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:07/14/2025

  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.

  Before opening my account Kickoff did not break down any options other than misleading information stating that I would accrue a type of savings account while building credit. I paid off my account to receive the $2,500 funds, but was told that I did not save up for the Credit Builder account. Which was NEVER given to me as an option on the first place.

  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.

  Customer Answer

  Date: 07/18/2025

   
  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: 07/23/2025

  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

• Initial Complaint

  Date:07/08/2025

  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.

  No one has responded to me from this business about someone opening an account in my name without my knowledge and I wanna get in touch with the business to know who did it, why , and where but they have yet to respond to any of my calls or messages, it is very hard to reach them, I want this item off of my credit its hurting me badly in succeeding in life, They have not sent me a copy of the contract as requested. We need to get this matter resolved.

  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 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 July 13, 2023, 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 phone number on the account has been associated with you for an extended period of time prior to account creation. Additionally, the email address was verified at the time of account signup, and emails sent to the 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 a review of the payment history on your Credit Account, we found consistent on-time monthly payments were made from the time the account was opened in July 2023 through December 2024. This payment history is not consistent with an account that was opened due to identity theft.
   
  We would like to address your claim that Kikoff has not responded to your calls or messages. We investigated this claim and found no prior communications from you regarding this account. Additionally, we did not receive a request from you for a copy of your contract. Kikoff is happy to provide you with the requested documents for your account, and we would have done so had we received such a request from you.
   
  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.

• Initial Complaint

  Date:07/08/2025

  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 signed up for Kikoffs $35/month Ultimate Credit Plan on July 11, 2024, thinking it was a credit builder loan that would return my payments after 12 months. I made all of my monthly payments for a full year, totaling $385, expecting that I would receive the money back at the end. It was not clearly stated during sign-up or on their website that this was not a loan, but rather a subscription to a revolving credit line that can only be used to buy digital books and coaching services from Kikoffs own store.Nowhere on their platform does it clearly state that the credit line is non-cash, non-transferable, and has no payout or savings aspect. I would not have agreed to pay $385 for something I couldnt use or get ******* June 2025, I switched to the $5/month plan due to financial hardship, thinking it would just reduce my final monthly payment. Instead, it automatically renewed my account for a new ****** contract, extending it to July 2026 without any clear warning or consent.When I contacted Kikoff to explain the misunderstanding and requested a refund or to cancel the renewal, they refused and claimed it was non-refundable because it had already been reported to the credit bureaus. I feel this was deceptive and that I was misled into a service I didnt fully understand.

  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 regarding a request to refund your payments. In review of your account, we can confirm that your account is still active.
   
  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. This tradeline is available to use for purchases in Kikoff's online store, and is most commonly used to purchase one of our credit-building subscription plans. Depending on which plan you choose (Basic, Premium, or Ultimate), the tradeline is charged for the annual total of the monthly payments, and as you make your payments, we report them to the credit bureaus with the intention of helping you build credit. The Credit Account is designed to help our customers build and improve their credit by showcasing positive payment history, as payment history is the biggest factor in credit scoring. Since the tradeline can only be used in the Kikoff store, this also helps keep your credit utilization low, which is another key factor in credit scoring. The tradeline is legitimate, and is reported in compliance with all applicable lending rules and regulations.

  In your complaint, you mentioned that it was not stated during sign-up that your Kikoff Credit Account is not a loan. Our records show that terms and conditions were accepted on July 11, 2024, which outline both your responsibilities under the loan agreement and Kikoff's commitment to accurate monthly payment reporting. The account you held included a purchase for a subscription to help build credit, in which your payments were reported monthly to the bureaus. Once they are successfully reported, we are unable to process a refund because it falls under a non-refundable category.

  Lastly, you stated that your account was automatically renewed without your consent, and that Kikoff would not cancel the renewal. When you upgrade or downgrade your plan, this charges the tradeline for the annual total of the monthly payments for that plan, as it does when you enroll. We also credit any remaining balance on your previous plan. Your account was not automatically renewed, you electively changed your plan which charged the tradeline the balance for that plan. If you no longer wish to maintain the account, you may close your account at any time by logging in to your account and complete a self-closure. Please note however, that closing an account does not remove the account or its prior payment history from your credit report, and again, we are unable to refund payments once they have been reported to the credit bureaus, as these payments were applied according to the account terms.

  We appreciate you reaching out and allowing us the opportunity to address your concerns. If you have any further questions, you may contact us directly at ********************************************************.

  Kikoff Customer Operations

  Customer Answer

  Date: 07/11/2025

   
  Complaint: 23569036
  
  I am rejecting this response because:
  Nowhere during sign-up was it clearly stated that this product is not a credit builder loan and that my monthly payments would not be refunded. The site and app heavily implied that I was making payments toward something Id get back at the end of 12 months. I paid $35/month for 11 months (totaling $385) under the belief I was saving while building credit.
  
  
  Kikoff claims I accepted the terms on July 11, 2024, but those terms were not presented in a way that made the actual structure of the account clear. This wasnt a transparent agreement it was confusing and misleading by design.
  
  
  I also did not knowingly renew my account. I tried to lower my payment from $35 to $5 due to financial hardship, and that triggered a 2-year extension without any clear warning. Thats not an upgrade, thats a trap.
  
  
  This companys refusal to issue a refund or reverse the renewal despite my clear misunderstanding is disappointing. I am again requesting a full refund of $385 and for the 2-year extension to be cancelled immediately.
  
  
  
  Sincerely,
  
  ***** ********

  Business Response

  Date: 07/18/2025

  Hello *****,

  Thank you for your continued engagement in resolving this matter. As we previously explained, once payments on a Credit Accout have been reported to the credit bureaus, they are considered non-refundable. The account you opened included a subscription designed to help build credit, with your payments reported monthly to the bureaus. Once these payments have been successfully reported, we are unable to issue a refund, as they were applied according to the account agreement. In your complaint, you stated that it was not clearly stated that payments toward your Kikoff Credit Account would not be refunded. However, this information is publicly and transparently available on our website. To reiterate, the account you opened is a Kikoff Credit Account, not a Credit Builder Loan, and therefore the payments you have made toward this account are not refundable. Our records show that you accepted our terms on July 11, 2024, which outline both your obligations and Kikoffs commitment to accurate monthly reporting.
  
  Additionally, to clarify, if you choose to downgrade your Kikoff Premium subscription, your monthly payments will change to $5 for the next 12 months. Previous payments cannot be applied to your new plan; however, those payments will continue to be reflected on your credit report.
  
  Unfortunately, due to these policies, we are unable to issue a refund for payments made toward your Kikoff Credit Account. Thank you for reaching out and giving us the opportunity to address your concerns. If you have any further questions or need additional assistance, please dont hesitate to contact us at ********************************************************.

  Kikoff Customer Operations

• Initial Complaint

  Date:07/03/2025

  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 am trying to make a payment for a past due amount but kick off is refusing to take payment unless I pay a future dated payment. My point decreased due to kick off and they were supposed to help increase my credit score. They are refusing my payment but report incorrect on my credit report

  Business Response

  Date: 07/08/2025

  
  Thank you for reaching out. We understand the importance of resolving this matter and appreciate the opportunity to address your concerns.
  
  Regarding your claim that Kikoff refused to take your payments unless you paid a future dated payment, this is because your payment due on May 14, 2025, was not received and the account was past due. When a Credit Account becomes past due, our When a Credit Account payment becomes past due, our system automatically updates your balance to include both the past-due amount and your next scheduled payment. This helps ensure your that next payment brings your account back to current status and prevents accidental late payments.
  
  We understand the impact that accurate payment history can have on a credit report. 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 fallen outside this period. As a lender, we have a responsibility to report payment information truthfully and accurately, as required by the Fair Credit Reporting Act (FCRA). We can confirm that you made a payment on July 3, 2025, which brought the account back to current status, however, in compliance with the ****, we cannot remove genuine late or missed payments, as we are obligated to maintain accurate reporting on all accounts, regardless of status.
  
  Thank you again for reaching out and allowing us the opportunity to address your concerns. If you need further information or assistance, please contact us at ********************************************************.

  Kikoff Customer Operations

• Initial Complaint

  Date:07/02/2025

  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 bring to your attention a fraudulent account that has been opened in my name with KIKOFF . 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 Opened Date: 3/20/2023 Account Number: CLSTX3****High Credit: $60 I kindly 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.

  Business Response

  Date: 07/07/2025

  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 March 20, 2023, all of which matched. 
   
  In our investigation we found that all account activity occurred from a device matching to your location. 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. The email was verified at the time of account signup, and emails sent to the address are being received and opened. We have also verified that you were able to successfully access the account using MFA verification codes sent to the phone number on the account.
   
  In addition to your apparent access to the account, our records show that there is a history of on-time payments made on the account before it was charged-off which is inconsistent with the activity of a fraudster. 
   
  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:06/30/2025

  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.

  They were very misleading on the accounts and what they consisted of Ive always used Self credit builder and theyve been straightforward about the accounts and what they do. Kik of leads you to think youre paying on an account that is worth 2500 and building credit but then when youre done they tell you that you cant get the money back because you dont have that type of account open. Seems like Im not the only one who has dealt with this.

  Business Response

  Date: 07/03/2025

  Hello Jakeem, 

  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. This tradeline is available to use for purchases in Kikoffs online store, and is most commonly used to purchase one of our credit-building subscription plans. 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 $420, to be paid off in the $35 monthly payments you were paying. The Credit Account is designed to help our customers build and improve their credit by showcasing positive payment history, as payment history is the biggest factor in credit scoring. Since the tradeline can only be used in the Kikoff store, this also helps keep your credit utilization low, which is another key factor in credit scoring. The tradeline is legitimate, and is reported in compliance with all applicable lending rules and regulations. 
  
  Our records show that there was no Kikoff Credit Builder Loan that was opened on your account. 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 ************** is a human service powered by our team and payments made on the Credit Account are not refundable once the payments have been reported to the credit bureaus, as they were applied in line with our agreements, whereas the funds you pay in to the Credit Builder Loan are returned back to you at the end of your term. 
   
  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