Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:07/16/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My name is ******** ******** ********** ***** and I am reporting multiple accounts and inquiries that I do not recognize and did not authorize. I believe I am a victim of identity theft. The accounts listed under my name include a *********** credit card opened in July 2022 with a balance of 2235 a ******************* sales contract from July 2024 for *************************************** August 2024 for 1682 a Kikoff Lending charge card from September 2024 for 385 and a Navy Federal credit card from June 2024 with a balance of 7155. I also see hard inquiries from companies like ********** ******************* *** Truist ********* *** and ************** which I did not authorize. These accounts and inquiries are not mine and I am requesting that they be investigated and removed from my credit report. I am concerned that someone has used my personal information without my permission

  Business Response

  Date: 07/18/2025

  Hello ********, 

  Thank you for reaching out. We understand the importance of resolving this matter, and we appreciate the opportunity to address your concerns. We have reviewed your complaint and understand the impact that an unauthorized account can have on a credit report. We have reviewed the application process, and also considered all information provided in your recent dispute. Unfortunately based on our internal investigation of the account verification and approval process, there is insufficient evidence to support removal of this tradeline. 
   
  To be approved for a Kikoff loan/credit account, an applicants identity/personal information must be verified, including name, DOB, address, and SSN. In the case of this account, we have reviewed and reconfirmed the verification process of the information provided during account signup back in September 5, 2024, all of which matched. 
   
  In our investigation we found that all activity on the account originated from a device matching your location. We also confirmed that the billing ZIP code on the payment methods linked to the account matches your address. While we acknowledge the submission of an *** report, please note that an FTC report alone does not constitute sufficient proof of fraud. We understand that contact information may change over time; however, our investigation confirms that the information used at the time of signup remains applicable and current for you. We have verified that both the phone number and email address on the account have been associated with you long before the account was opened.
  
  Furthermore, during the application process, you electronically acknowledged our terms, which is a required step to proceed with opening the account. We sympathize with your situation and would take action if the evidence indicated otherwise. However, we also have a responsibility to report accurate information, which in this case appears to be correct.
   
  Thank you, and we wish you all the best.

• Initial Complaint

  Date:07/15/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  i am not liable for this debt with charter communications. i do not have a contract with KIKOFF LENDING, LLC. they did not provide me with the original contract as i requested

  Business Response

  Date: 07/18/2025

  Hello ******, 

  Thank you for reaching out with your concerns. We understand the importance of resolving this matter and appreciate the opportunity to address it. According to our records, the terms and conditions for your account were accepted on October 25, 2023, at the time of account setup. These terms outline both the responsibilities associated with the loan and the monthly reporting of payment activity to the credit bureaus.
   
  Please know that all Kikoff Lending, LLC customers have the right to cancel their accounts at any time without any penalties or associated fees if they no longer wish to participate in our program. Unfortunately, we do not have a cancellation request on file for this account. If a request had been received, we would have promptly processed it in accordance with our cancellation policy.
   
  In your dispute, you mentioned that Kikoff did not provide the original contract as per your request. Based on our records, this appears to be the first time we have received correspondence from you. If you had previously reached out to request documentation, we would have gladly provided all relevant records related to your account.
   
  We have provided a copy of your account terms, which are also made available inside your account at any time. As a company that serves its customers virtually, we do not have wet or physical signatures. We are committed to transparent communication and ensuring you have access to all pertinent information about your account.
   
  Please do not hesitate to reach out if you have any further questions or require additional support. 

  Kikoff Customer Operations
   

• Initial Complaint

  Date:07/15/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Im filing this complaint regarding a closed Kikoff account that continues to report negatively on my Equifax credit report, despite having a $0 balance since August 1, 2023.The negative marks stem from a few missed payments due to confusion over Kikoffs promotional setup. Once I realized the issue, I brought the account current, and it was subsequently closed. I reached out directly to Kikoff and requested a goodwill deletion, but they declined.This account is now closed, fully paid, and inactive. Im asking Kikoff to consider removing the account from my credit report out of goodwill, especially since the balance is $0 and the issue arose from a misunderstanding not willful neglect or ongoing delinquency.Thank you for reviewing this matter.

  Business Response

  Date: 07/18/2025

  Hello *******, 

  Thank you for reaching out. We understand the importance of resolving this matter, and we appreciate the opportunity to address your concerns. We have reviewed your complaint and understand the impact that accurate payment history can have on a credit report, and it is always our goal to support our customers in maintaining positive credit outcomes. For this reason, Kikoff provides a generous ***** period for payments. However, your payments have consistently fallen outside this ******* As a lender, we have a responsibility to report payment information truthfully and accurately, as required by the Fair Credit Reporting Act (FCRA).
   
  Our records indicate that we received only one payment on your account, which was made on the same day the account was opened on March 16, 2023, and the account was electively closed on August 4, 2023. Although Kikoff settled the remaining balance upon account closure, your payments due in May and June 2023 exceeded our 30-day ***** ******* As a result, late payments were reported on your credit report. We make every effort to keep our customers informed of account statuses through email notifications, which we understand may have been overlooked in your inbox. In compliance with the ****, we cannot remove genuine late or missed payments, as it is our obligation to maintain accurate reporting on all accounts, regardless of status.
   
  Thank you for reaching out and allowing us the opportunity to address your concerns. If you require further information or need additional help, please contact us at ********************************************************. 

  Kikoff Customer Operations

• Initial Complaint

  Date:07/14/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  THIS COMPANY IS UNLAWFULLY REPORTING ON MY CREDIT REPORT. THEY HAVE REPORTED AN ACCOUNT THAT I HAVENT AUTHORIZED AND THEY WILL NOT RESPOND TO MY MESSAGES, GIVE ME A COPY OF THE CONTRACT, OR TELL ME WHO IS INDEED RESPONSIBLE FOR OPENING THIS ACCOUNT UNDER MY NAME, THEY KEEP GIVING ME THE RUN-AROUND EVERY TIME I CALL THEM TO GET ANSWERS.

  Business Response

  Date: 07/17/2025

  Hello Niche, 

  Thank you for reaching out. We understand the importance of resolving this matter, and we appreciate the opportunity to address your concerns. We have reviewed your complaint and understand the impact that an unauthorized account can have on a credit report. We have reviewed the application process, and also considered all information provided in your recent dispute. Unfortunately, based on our internal investigation of the account verification and approval process, there is insufficient evidence to support the removal of this tradeline.
   
  In your complaint, you advise that you did not open or authorize the account. To be approved for a Kikoff loan/credit account, an applicant's identity/personal information must be verified, including name, date of birth, address, and SSN. In the case of this account, we have reviewed and reconfirmed the verification process of the information provided during account signup back in May 1, 2023, all of which matched.
   
  In our investigation, we found that all account activity occurred from a device matching your location. We also found that the billing zip code for the linked payment methods matches your address. We have verified that the email address and the phone number on the account have been associated with you for an extended period of time prior to account creation. This email was verified at the time of account signup, and emails sent to this address are being received and opened. We have also verified that you were able to successfully access the account using multifactor authentication (MFA) verification codes sent to the phone number on the account.
   
  In addition to your apparent access to the account, we found that you used the Disputes feature available on your account to dispute multiple items on your credit report. A fraudster would not dispute various accounts on your credit report on your behalf.
   
  In your dispute, you mentioned that Kikoff did not respond to your messages or give you a copy of your contract. According to our records, this appears to be the first communication we've received from you regarding your account. Had we received direct correspondence from you, we would have been happy to provide all relevant information pertaining to your account. We're here to support you through the process and ensure that it was investigated thoroughly.
   
  We do sympathize with your situation, and would take action if the evidence indicated a different result, but we are also responsible to report accurate information - which in this case does appear to be accurate.
   
  Thank you, and we wish you all the best.

  Kikoff Customer Operations

• Initial Complaint

  Date:07/13/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I started kickoff in 2023 with the 5 dollars a month. They talked me into the 20$ a month deposit with the insight that when i closed my account i would get a good portion of that money back. They are very sneaky with explaining things and have not helped me in the last 2 years like promised. They are a scam and are preying on the already weak. I am disgusted

  Business Response

  Date: 07/17/2025

  Hello *******, 

  Thank you for reaching out. We understand the importance of resolving this matter, and we appreciate the opportunity to address your concerns.
   
  First, we would like to address your concerns regarding how our Credit Account works. When you open a Kikoff Credit Account, you receive a tradeline that is reported to the credit bureaus. Depending on the plan you choose, the tradeline is charged a balance for the annual total of the monthly payments. In the case of your account, you were enrolled in the premium plan, which charges the tradeline a total of $240, to be paid off in the $20 monthly payments you were paying. The account you held included a purchase for a subscription to help build credit, in which your payments were reported monthly to the bureaus, and once they are successfully reported, we are unable to process a refund because it falls under a non-refundable category.
   
  We have a service called Credit Builder Loan, which is an optional add-on service, where the funds you pay into the account are returned back to you at the end of your term. However, we found that there was no Kikoff Credit Builder Loan that was opened under your Kikoff profile.
   
  In your dispute, you mentioned that Kikoff talked you into upgrading to the premium plan. Upon investigation, our records show no correspondence with you regarding your account. You may see offers in the app to upgrade your plan, which are optional and intended to provide more tools to support your credit-building journey. However, Kikoff will never require you to upgrade. What we can do is to provide the benefits of each plan, and it is still up to you to decide which plan works best for you.
   
  We wish you well, and hope this explanation is helpful.

  Kikoff Customer Operations

• Initial Complaint

  Date:07/13/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

   
  Complaint: 23593595
  
  I am rejecting this response because: I was not given these details prior to joining *******. It was all based off the *** and not online. I was given a choice to set the monthly amount. Should it have been explained in such detailed manner when applying, I would not have gone through with the application. The *** was very misleading. I as a struggling citizen to pay off debt, this set me off $2,500 from my pocket that I could have used to pay my credit cards. Kickoff DID NOT help with my credit in any way or manner. 
  
  Sincerely,
  
  ******** *******

  Business Response

  Date: 07/18/2025

  Hello ********, 

  Thank you for reaching out with your concerns. We understand the importance of resolving this matter and appreciate the opportunity to address it.  
   
  We would like to clarify that the Credit Builder Loan is an optional add-on service for the Kikoff Credit Account that helps you save money and build credit at the same time. The Kikoff Credit Builder Loan is a secured installment where the funds you pay in to the Credit Builder Loan are returned back to you at the end of your term. Upon investigation, we found that there was no Kikoff Credit Builder Loan that was opened under your profile. 
   
  We would like to address your concerns regarding how our Credit Account works. When you open a Kikoff Credit Account, you receive a tradeline that is reported to the credit bureaus. Depending on the plan you choose, the tradeline is charged a balance for the annual total of the monthly payments. In the case of your account, you were enrolled in the Ultimate plan which charges the tradeline a total of $240, to be paid off in the $20 monthly payments you were paying. Kikoff reports these payments to the three major credit bureaus, in the hopes that this will positively contribute to your credit history, as payment history is a key factor in credit scoring. Additionally, it is important to note that the Credit Account does not come with a physical or virtual card as the tradeline can only be used in the Kikoff store, and is most commonly used to purchase one of our credit-building plans. Our records show that you have paid off the remaining balance of the Kikoff Credit Account on July 13, 2025.
   
  The purchase you made for the Kikoff Credit Account was for a subscription service designed to assist in building credit, and unfortunately, we are unable to process a refund, as the payments were applied according to the account agreement.
   
  We wish you well, and hope this explanation is helpful.

  Business Response

  Date: 07/23/2025

  Hello ********, 

  Thank you for your continued engagement. We understand your concerns and appreciate the opportunity to clarify the nature of your Kikoff Credit Account and the Premium Plan.
  Were sorry to hear that you found the app experience and product terms unclear. Transparency is important to us, and we aim to present clear and accessible information about our products at the time of enrollment. According to our records, you accepted the terms and conditions on August 26, 2021, which included information about the account structure, plan costs, and how payment activity would be reported to the credit bureaus. These terms were presented digitally through the app, which serves as the central platform for all Kikoff services. We do not collect physical or "wet" signatures, as our services are entirely virtual.
  
  To clarify your concern about the $2500 tradeline, this amount reflects the reported  tadeline associated with the Premium Plan, not an amount you paid out of pocket. The Premium Plan includes a $2,500 tradeline reported to the credit bureaus as part of your subscription, which was billed at $20 per month for 12 months. Our records show you consistently made all payments on time, which positively contributes to your credit score.

  We again apologize for any confusion regarding the nature of your account. We wish you well, and hope this explanation is helpful. If you have any further questions or concerns, feel free to reach out to us at ********************************************************.

  Kikoff Customer Operations

  Customer Answer

  Date: 07/24/2025

   
  Complaint: 23593595
  
  I am rejecting this response because:
  Again, the information via the application was misleading. Im a single mother of 4 and with the information that was provided it did not state different plan options. Nor fair warnings on the plan that I was lead to choose via the APP. 
  Sincerely,
  
  ******** *******

• Initial Complaint

  Date:07/09/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was supposedly adding money to a loan that wasn't a loan. Tell I reached ***** dollars I made three 35 dollar instalments and a 20 to start the loan and I spent thirty dollars to a credit bureau loan. The 30 they said they would return to me instantly but that was false. The other I find out after I closed the account is non-refundable. That's not right especially if it was for a loan.

  Business Response

  Date: 07/11/2025

  Hello ****, 

  Thank you for reaching out. We understand the importance of resolving this matter and appreciate the opportunity to clarify how our credit-building services work. 
   
  First, we would like to address your concerns regarding how our Credit Account works. When you open a Kikoff Credit Account, you receive a tradeline that is reported to the credit bureaus. In the case of your account, you were initially enrolled in the Premium plan, then upgraded to the Ultimate plan, which charges the tradeline a total of $420, to be paid off in $35 monthly payments you were paying. Kikoff reports these payments to the three major credit bureaus, in the hope that this will positively contribute to your credit history, as payment history is a key factor in credit scoring. As your payments have already been reported to the credit bureaus, these transactions are tagged as non-refundable. This purchase was made for a subscription service designed to assist in building credit, and unfortunately, we are unable to process a refund.
   
  The Kikoff Credit Builder Loan is a secured installment and is an optional add-on service for the Kikoff Credit Account. Additionally, the funds you pay into the Credit Builder Loan are returned back to you at the end of your term. According to our records, we found that you withdrew the funds to your Kikoff Secured Card on July 8, 2025.
   
  We wish you well, and hope this explanation is helpful.

• Initial Complaint

  Date:07/09/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to report a fraudulent account that has been opened in my name with Kikoff Lending LLC. I am a victim of identity theft and did not authorize the opening of this account. Below are the details of the fraudulent account:Creditor Name: Kikoff Lending LLC Opened Date: 12/28/2020 Account Number: ********** High Credit: $109.00 I request that you close this account immediately and remove any negative information associated with it from my credit report. Additionally, I would appreciate it if you could provide confirmation of the account's closure and any relevant documentation related to the fraudulent activity.For your reference, I have attached a copy of my Identity Theft Complaint.Thank you for your prompt attention to this matter.

  Business Response

  Date: 07/11/2025

  Hello *******, 

  Thank you for reaching out. We understand the importance of resolving this matter, and we appreciate the opportunity to address your concerns. We have reviewed your complaint and understand the impact that an unauthorized account can have on a credit report. We have reviewed the application process, and also considered all information provided in your recent dispute. Unfortunately based on our internal investigation of the account verification and approval process, there is insufficient evidence to support removal of this tradeline. 
   
  In your complaint you advise that you did not open or authorize the account. To be approved for a Kikoff loan/credit account, an applicants identity/personal information must be verified, including name, DOB, address, and SSN. In the case of this account, we have reviewed and reconfirmed the verification process of the information provided during account signup back in December 28, 2020, all of which matched. 
   
  In our investigation we found that all account activity occurred from a device matching your location. We have verified that the email address has been associated with you for an extended period of time prior to account creation. This email was verified at the time of account signup, and emails sent to this address are being received and opened. 
   
  We do sympathize with your situation, and would take action if the evidence indicated a different result, but we are also responsible to report accurate information - which in this case does appear to be accurate.
   
  Thank you, and we wish you all the best.
   
  For security of your account information, our support team will send you direct correspondence to the email on file with the requested documents attached. Please check your email for additional information and if you have any further concerns you can reach us by email at ******************************************************** or by phone at ************.

  Kikoff Customer Operations