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:10/29/2025

  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.

  This account is inaccurate. Please remove it.

  Business Response

  Date: 10/30/2025

  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 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 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 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 November 16, 2020, all of which matched. 
  
  In review of your account, there was a lapse in payments received which is why you are seeing the late remarks on your credit file. 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. Our records show that the last payment we received from you was on October 14, 2022, and the account was charged off on May 15, 2023, due to an extended period of nonpayment.
  
  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 ********************************************************. 

• Initial Complaint

  Date:10/28/2025

  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.

  The kickoff credit building account reports information that is not accurate when you look at your account it gives you false information about your credit score, claims to have helped you improve when they have had no impact on my credit score at all. The information they give is false and they miss lead you to believe false information.

  Business Response

  Date: 10/30/2025

  Upon review, your Credit Account was opened on February 6, 2025. Please be informed that 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 provided can only be used in the Kikoff store, this also helps keep your credit utilization low, which is another key factor in credit scoring.
  
  Additionally, Credit Account payments are for a subscription service designed to assist in building credit. These payments are non-refundable once they have been reported to the credit bureaus, as they have been applied according to the account agreement. We'd also like to clarify that Kikoff has reported 8 payments as on-time payments, starting on 2/28/25, to contribute towards your credit. Please keep in mind that there are many factors at play in calculating credit score, and we encourage you to check other accounts and with the Credit Bureaus directly for more insights on what could be factoring in to your score. 
  
  We apologize for any confusion you may have had regarding our products. 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 *********************************

• Initial Complaint

  Date:10/28/2025

  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.

  FCRA Violation Notice Formal Legal Demand for Immediate Deletion This correspondence constitutes a formal notice of violation under the Fair Credit Reporting Act (FCRA). Pursuant to 15 U.S.C. 1681e(b), every consumer reporting agency and furnisher of information is legally obligated to maintain the maximum possible accuracy of all data reported. The accounts identified in my dispute contain inaccurate, misleading, and unverifiable information, representing a willful and reckless breach of federal compliance standards. Such conduct directly violates 15 U.S.C. 1681n and 1681o, rendering your organization civilly liable for actual, statutory, and punitive damages, as well as attorneys fees and costs.

  Business Response

  Date: 10/30/2025

  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 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 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 review of your account, there was a lapse in payments received which is why you are seeing the late remarks on your credit file. Our records show that the last payment we received from you was on December 18, 2021, and the account was charged off on August 5, 2022, due to an extended period of nonpayment. 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.
   
  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 February 9, 2021, all of which matched. 
   
  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 ********************************************************. 

• Initial Complaint

  Date:10/27/2025

  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.

  This account is inaccurate. Remove it from my credit Report.

  Business Response

  Date: 10/30/2025

  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 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 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 review of your account, there was a lapse in payments received which is why you are seeing the late remarks on your credit file. Our records show that the last payment we received from you was on April 17, 2023, and the account was charged off on December 04, 2023, due to an extended period of nonpayment. 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. 
   
  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 June 9, 2022, all of which matched. 
   
  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 ********************************************************. 

• Initial Complaint

  Date:10/26/2025

  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.

  KIKOFF ACCOUNT NUMBER: CLWGNN****I URGE YOU TO REMOVE THIS ACCOUNT BEFORE I AM FORCED TO TAKE LEGAL ACTION. IF YOU CANNOT VERIFY THE **** PURSUANT TO ****. AND YOU CONTINUE TO REPORT IT ON MY CREDIT. I WILL FIND IT NECESSARY TO SUE YOU FOR ACTUAL DAMAGES AND DEFAMATION OF MY CHARACTER. ACCORDING TO **** REGULATIONS, I MAY SUE YOU IN ANY QUALIFIED STATE OR FEDERAL COURT. INCLUDING A SMALL CLAIMS I WANT THE BBB TO PUBLISH THIS DESCRIPTION SO THAT OTHERS CAN LEARN FROM MY EXPERIENCE. I REQUIRE A RESPONSE AND A PHYSICAL PROOF THAT I OWE THE **** THE BUREAUS REPORTED ON MY CREDIT REPORT. THESE ARE IMPACTING MY CREDIT PROFILE WITHOUT MY CONSENT. PLEASE REMOVE IMMEDIATELY.

  Business Response

  Date: 10/28/2025

  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 February 26, 2025, all of which matched. Additionally, we would like to clarify that, we, as a company are not in the practice of debt collection and are not debt collectors.
  
  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:10/25/2025

  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 ordered my annual credit reports as I had not done so in a while, and after receiving notification of changes to my reports.After receiving all three reports, I noticed the appearance of not one but two accounts listed for ********************. I sent a letter to the company requesting verification of the accounts to the address listed on my credit reports. The address was in ****, **. The company did not respond.I requested: the name and address of the original creditor, the amount of the alleged debt, including how it was calculated, copies of any written agreements, contracts, or statements that show I am legally obligated to pay, and proof of your authorization to collect this debt on behalf of the original creditor. I requested everything to think of After receiving no response. I did an independent search and found the correct address for the company.

  Business Response

  Date: 10/28/2025

  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 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 would like to clarify that, we, as a company are not in the practice of debt collection and are not debt collectors. Additionally, we have not received any letters regarding your account.
  
  According to our records, terms and conditions were accepted on March 14, 2022, at time of account opening, which outline the responsibilities of the loan and the monthly payment reporting to the bureaus. As a company that serves our customers virtually, this agreement is completed electronically and we do not have wet signatures available. For security of your account information, we cannot provide account documents in response to your complaint. Please reach us by email at ******************************************************** or by phone at ************ to request any account documents. 
  
  Lastly, our records show that the last payment we received from you was on October 12, 2024, and the account was charged off on May 11, 2025, due to an extended period of nonpayment. 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.

  Customer Answer

  Date: 10/28/2025

   
  Complaint: 24064400
  
  I am rejecting this response to show my disagreement with information provided as I do not have a hard copy of the documents requested.  I will still email the business as requested.  I will email the business @ ******************************************************** as requested.  I will await for the business to provide me requested information either through mail or through scanned PDFs.

  Sincerely,
  
  ***** ******

  Business Response

  Date: 10/31/2025

  Thank you for sharing your additional concerns; we welcome the opportunity to address them.
  
  As a company that serves our customers virtually, acceptance of our account terms is completed electronically as a required step to open an account, and we do not use wet or physical signatures. We have provided a copy of your account terms which are also made available inside your account at any time. We are committed to transparent communication and ensuring you have access to all information about your account.
  
  To find your account statement or agreement, log into your Kikoff app, navigate to the Kikoff Credit Account, and select the settings icon in the top right. Additionally, please reach out to ******************************** and we'll be happy to provide any requested documents. For security of your account information, we cannot provide them in response to your complaint. 
  
  Upon checking, we haven't received any correspondence from you. Please don't hesitate to reach out to us directly at ********************************, we're happy to help! 

  Customer Answer

  Date: 11/05/2025

   
  Complaint: 24064400
  
  I am rejecting this response because the business through this entire process has not provided me with the documents requested asking them to verify the account.  I may not been well versed or knowledge in legally jargon, but the company has not verified the account.  I will send another  request for information through  certified mail in addition to the email the company is requesting me to communicate through.
  
  
  
  ***** ******

• Initial Complaint

  Date:10/24/2025

  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.

  Since November of 2024 I have been making monthly payments to this company think and read that I was going to get my money back at any time when I plan to close the account or the year of payments are made. Whichever comes 1st. For this last year I have been making 20. Payments thinking it was going to be returned to me and my credit would get better throughout the year. My credit was never reported to the bureaus but once and when I closed the account today 10/24/2025 I was told that I have been paying a monthly subscription to them. In which that what was not told to me when I opened the account. Now Im out of the money and no credit was reported to the bureaus. This isnt right and now being told how this goes without consequences for the consumer.

  Business Response

  Date: 10/28/2025

  Thank you for reaching out. We understand the importance of resolving this matter, and we appreciate the opportunity to address your concerns.
   
  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 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. The account you held included a purchase for a subscription to help build credit and once they are successfully reported, we are unable to process a refund because it falls under a non-refundable category. 
   
  In your complaint, you mentioned that your account was not reported to the credit bureaus. Following a thorough investigation, we would like to reassure you that all of your payments were made on time and reported as such, which positively contributed to your credit score. We can confirm that your Kikoff Credit Account was closed on October 24, 2025. 
   
  We apologize for any confusion you may have had and thank you for the opportunity to further clarify our products, if you have any additional questions, please reach out to us at ********************************************************.

• Initial Complaint

  Date:10/24/2025

  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: 8/18/2022 Account Number: CLBOKE****High Credit: $240.00 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.Thank you for your prompt attention to this matter.

  Business Response

  Date: 10/27/2025

  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 August 18, 2022, all of which matched. Furthermore, we have confirmed that corresponding emails were successfully sent and opened and the ** address logs match with your postal code on file. 
   
  We 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, the payment in question fell outside of our ***** ******* As a lender, we have a responsibility to report payment information truthfully and accurately, as required by the Fair Credit Reporting Act (FCRA). 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 review of your account, the payment due on July 16, 2025 was paid on September 9, 2025, exceeding the 30-day ***** ******* which resulted in a late payment notation being applied to your account. 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.
   
  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:10/23/2025

  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.

  This account is inaccurate. Remove it from my credit Report.

  Business Response

  Date: 10/27/2025

  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 period. 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 show that the last payment we received from you was on May 13, 2024, and the account was charged off on December 30, 2024 due to an extended period of nonpayment. 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.
  
  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 February 15, 2023, all of which matched. 
  
  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 ********************************************************. 

• Initial Complaint

  Date:10/23/2025

  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 was told by the company my credit would improve. They charged 20$ a month for a fake credit line where I hsd to pay a monthly fee but never had access to the credit. They just kept the money. For over 3yrs I made on time payments and got nothing in return. They are leaching off of people who are honestly trying to improve their financial wellbeing.

  Business Response

  Date: 10/27/2025

  Thank you for reaching out. We understand the importance of resolving this matter, and we appreciate the opportunity to address your concerns.
  
  In your complaint, you claim that your credit didn't improve and that Kikoff provide a fake credit line. 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 Premium plan which charges the tradeline a total of $240, to be paid off in the $20 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. Please be aware that your account is still active. 
  
  Additionally, while Kikoff helps build credit, please keep in mind that there are many factors at play in calculating credit score, and we encourage you to check other accounts and with the Credit Bureaus directly for more insights on what could be factoring in to your score. 
  
  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. 
  
  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 ********************************************************.