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:10/12/2025

  Type:Billing Issues
  Status:

  ResolvedMore 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.

  correction to my credit report, I demand this account be removed from credit report account is ready closed please see the attchament

  Business Response

  Date: 10/13/2025

  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. 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. Upon reviewing your account, it has been determined that the payments due in June, July, and ****** were not made until September and the account was then closed on October 1, 2025. Although you settled your outstanding balance upon account closure, we did not receive payment within the 30-day ***** ******* which has led to the notation of late payments on your credit report. Please also note that closing an account does not remove it from your history. 
  
  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 ********************************************************. 

  Customer Answer

  Date: 10/13/2025

  Better Business Bureau:
  
  But I don't owe them anything. I don't know why they have me on my credit as late payments if they already received all my payments. I'll send them the attachment again.
  
  Sincerely,
  
  ****** A ******** *****

   

  I ASKED THEM FOR THIS AND THIS WAS WHAT THEY SENT ME. I DON'T OWE THEM ANY MONEY.

   

   Oct 11, 2025
  To Whom it may concern,
  This letter is to confirm ****** a ******** Parra has an account with ****************** with the reference token of CLF2CP6XHF. This revolving line of credit account has been successfully paid off as of 09/30/2025 and holds a $0 current balance.
  If you have any other questions about this accounts payment, history, or otherwise please let me know and we can further assist. Thank you for your inquiry.
  Regards,
  ZEUS
  Kikoff Operations

• Initial Complaint

  Date:10/08/2025

  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.

  Company has a credit builder account and continuously reports to the credit bureaus as if you owe them when that isnt the case

  Business Response

  Date: 10/09/2025

  Thank you for bringing this matter to our attention. We have reviewed the information provided in your complaint, including the phone number and email address listed. After a thorough search of our records, we were unable to locate an account associated with the information provided.

  Because we could not verify a matching account, we are unable to investigate or provide details regarding the charges referenced in your complaint. If you believe you may have used a different email address or phone number to register your Kikoff account, please share that information so we can conduct a more complete review. Our support team can be reached at ********************************************************

  At this time, based on the information available, we have found no record of an account or any charges associated with your name, phone number, or email address.

• Initial Complaint

  Date:10/08/2025

  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 find this account to be incorporated with inaccurate information, I strongly believe this to be misleading and misrepresentation of my credit history.

  Business Response

  Date: 10/10/2025

  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 May 6, 2024 and the account was charged off on March 3, 2025, 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.
  
  We understand your continued concern and appreciate the opportunity to review this matter again. This is the third complaint weve received regarding this issue, and after another thorough review, our findings remain the same, the information being reported is accurate. Unless new evidence or documentation becomes available, any further complaints about this matter will be considered duplicates. If you require further information, please contact us at ********************************************************. 

• Initial Complaint

  Date:10/08/2025

  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 have been paying a total of $45 every month under the impression that it will build my credit score and that I will get it all back on a card after. Similar to a prepaid card to build your credit. Not at all. I was offered $120 after stating I needed to pay additional to get a card. I refused. Then I called to cancel and was told it would damage my credit by a big amount until the year was up. So then I finished the year and disabled auto pay. Now I am magically back on auto pay and they are still taking money from me. I want a refund for false advertising. They need to be shut down and fully refund everyone.

  Business Response

  Date: 10/09/2025

  Thank you for reaching out and sharing your concerns. We completely understand how important your credit journey is and how frustrating it can feel when expectations about refunds or credit reporting dont align with what was anticipated. We appreciate the opportunity to help clarify how your Kikoff accounts work.
  
  ****************** offers several credit-building products that are designed to help customers strengthen their credit profiles. Each product operates independently to support different aspects of credit building.
  
  Your main Kikoff Credit Account includes a monthly subscription that reports positive payment activity to the credit bureaus to help build your credit over time. Once these payments have been successfully reported, theyre considered non-refundable since the reporting service has already been completed. This account doesnt include a physical card, its focused solely on helping establish and maintain positive credit history.
  
  You also enrolled in two optional products: the Credit Builder Loan and the Kikoff Secured Credit Card. The Credit Builder Loan runs for a 12-month term and returns the total amount, $120, once the loan is completed. Our records show your loan was successfully completed in July 2025 however you have not collected the funds from the voucher. The Secured Credit Card helps build credit using your own deposited funds, which determine your available spending limit. A deposit is required before a physical card is issued or reporting begins.
  
  At this time, your Kikoff Credit Account remains active. If you decide to close it, you can do so anytime by logging in or reaching out to us directly for help. Please know that closing an account may have a temporary impact on your score, but all prior payment history will remain on your credit history as part of your overall credit journey.
  
  We truly appreciate you taking the time to contact us and allowing us to explain how these accounts work. If youd like us to walk through any details together or assist with closure or the withdrawal of your ********************** funds, please reach out to us anytime at ************************************ here to help.

• Initial Complaint

  Date:10/07/2025

  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 find this account to be incorporated with inaccurate information, I strongly believe this to be misleading and misrepresentation of my credit history.

  Business Response

  Date: 10/09/2025

  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 13, 2022, and the account was charged off on August 2, 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. 
   
  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:10/06/2025

  Type:Product Issues
  Status:

  ResolvedMore 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 company stole money from my account since April still o haven't gotten any refund it's ridiculous this company needs to pay me my refund

  Business Response

  Date: 10/07/2025

  Thank you for bringing this matter to our attention. We have carefully reviewed the information provided in your complaint. However, we were unable to locate an account with ****************** that matches the details provided, including your name, contact information, or any associated email address.
  
  To assist us in conducting a more thorough search, please provide any of the following:
  -The email address used to register your Kikoff account
  -The last four digits of the phone number associated with your account
  -Any account ID or reference number available
  

  Once we receive this information, we will promptly re-review our records and provide an updated response. At this time, we have not found evidence of any account or charges connected to the information currently provided.

  Customer Answer

  Date: 10/08/2025

   
  Complaint: 23981143
  
  I am rejecting this response because:
  
  Sincerely,
  
  ******* *********** I've already dealt with your company more than I should have to I've been getting people telling me I'm getting a refund  still i haven't received it all I want to know is when I'm getting what's owed to me I already  sent you the ftc report I've reported your company  for theft 

  Business Response

  Date: 10/09/2025

  Thank you for your follow up. As we previously stated we have no record of an account in your name that we are able to investigate. In order for us to locate and review any refunds, if applicable, we will need further identifying information. This can be an account number, the associated email address, the associated phone, or the last four of your Social Security number. At this time we do not have any open accounts under the name or contact information provided in this complaint.  

  We understand the importance of resolving this however we are unable to proceed without the necessary information. Our support team can be reached at ******************************** if you choose to provide further details. 

  Customer Answer

  Date: 10/09/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******* *********** last 4 of social is 9160 phone number is916-203-3897

• Initial Complaint

  Date:10/06/2025

  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 believe this account has been assigned to me in error, as I am not liable for the debt in question.I have no contractual obligation with KIKOFF and have never received any documentation to substantiate the validity of this debt, despite my formal requests for verification. I specifically asked to review the original application or contract related to this alleged debt. Since KIKOFF has been unable to provide this documentation, I assert that the debt is not mine and should not be associated with my records.I kindly request the removal of this erroneous collection from my account and an acknowledgment of this resolution in writing. Thank you for your attention to this matter.

  Business Response

  Date: 10/08/2025

  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 January 24, 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. 
  
  Please also note that we are not a debt collector and if you are seeing an amount owed on your credit report, this is due to a non-elective closure that took place because we did not receive payment for an extended period of time nor did we receive a request for closure from you. 
  
  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 dont hesitate to reach out if you have any further questions or require additional support.

• Initial Complaint

  Date:10/04/2025

  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.

  Business is supposed to help with your credit report. I tried to call and cancel my account, and they made it difficult to cancel. I sent emails and got no response. Now they are ruining my credit as I changed debit cards, and they are still harassing me by reporting the lack of payments to the credit bureaus

  Business Response

  Date: 10/08/2025

  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 stated that you have attempted to close your Kikoff account, but it remained open and late payments were reported as a result. All Kikoff 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. Upon reviewing the account and prior correspondence with you, it shows that you've tried reaching out to us last May 6, 2025 to close your account, but ended up wanting to downgrade your plan instead. Unfortunately, the call got disconnected. The downgrade was not completed by you and we didn't receive any further follow up requests which is why you are seeing continued communications regarding your account and reporting to the bureaus. We also did not locate any emails from you requesting closure. If you need no longer wish to maintain your account, please log in to complete a self-closure or contact us so we can assist further.
  
  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, 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).
  
  Thank you for reaching out and allowing us the opportunity to address your concerns. If you need additional help with the closure of your account, please contact us at ********************************************************. 

  Customer Answer

  Date: 10/08/2025

   
  Complaint: 23973392
  
  I am rejecting this response because:
  

  The reason I disconnected the call was that the agent was not allowing me the opportunity to close the account. He kept insisting I keep it open with a lowered status. I also tried to email a closure request, but received no response.
  Sincerely,
  
  ****** *******

  Business Response

  Date: 10/09/2025

  Thank you for your follow up. Upon review of your account, we see that it was successfully closed as of October 8, 2025 and you no longer hold a balance with Kikoff. We wish you the best on your credit journey and if we can be of assistance in the future, please let us know. 

• Initial Complaint

  Date:10/03/2025

  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.

  My short term subscription service that I had a monthly payment of an amount to be less than $10.00 USD. To Kikoff. That payment was for the service plan that offered a credit builder loan, an optional opportunity to fund the Kikoff secured (credit) debit MasterCard, and gain the ability to click the dispute button 5times per day instead of one time daily;which in doing so the app says that the "Kikoff team" will file the chosen dispute(s) with each credit bureau that is showing these deliquent account balance that wasn't paid for which negatively affected/damaged my credit score. I utilized the opportunity to pay for the Kikoff credit builder loan for the lowest monthly payment amount available, $35.00 every month for the time period of *********************************************************************************************** the mail and shortly read that my secured credit card required for my payment funds transfer to it before I would be able to get it mailed to me, so I just left it at $0 and thought nothing of it. I'm openly honest that I don't have any disputes that could be filed on a daily basis, and I was surprised to file the handful of times that I could. The Kikoff monthly payments was set up as automatic and earlier this week I locked my debit cards and froze all my payment accounts so that I wouldn't be able to buy things or pay for any transactions without having to ** freeze the card for what I need to spend. That is why I am able to make this report today. I got texts from my bank with 2 $70 declined transactions for payments to KIKOFFINC, payments that I don't have any knowledge or authorization for Kikoff to be extracting. KIKOFF HAS BEEN STEALING MONEY FROM MY BANK ACCOUNTS AND DEBIT CARDS WITHOUT HAVING MY KNOWLEDGE AND PERMISSION AND IF I HADN'T FROZEN MY CARD ACCOUNT S OR LOCKED UP ALL DEBIT AND CREDIT CARDS I WOULD NEVER HAVE FOUND OUT&I AM JUST ONE PERSON I WONDER HOW MANY PEOPLE WHO ARE STILL VICTIMS OF THE KIKOFF SCAM THEFTS

  Business Response

  Date: 10/07/2025

  Thank you for reaching out and giving us the opportunity to clarify your concerns.
  
  When you opened your Kikoff Credit Account, a tradeline was created and reported to the credit bureaus to help you build positive credit history. The $35 monthly payments you made were for your Ultimate Plan, which totals $420 over 12 months. This account is reported as an active credit line to support credit building. After reviewing your account, we confirmed that all payments applied were authorized through your Kikoff Credit Account plan, and no unauthorized payments were taken. At this time, no refund is owed or warranted, and we note that you have since closed this account.
  
  Your ****************** Credit Builder Loan and Secured Credit Card are optional products. The Credit Builder Loan allows you to make designated monthly payments that are returned to you at the end of the term. The Secured Credit Card must first be funded by you, either through external bank accounts or direct deposit, before it can be used. As this product requires funding to be activated, we do not send a physical card until the funding requirement has been met, to avoid confusion with the Kikoff Credit Account.
  
  We also see that there are still two open accounts under your profile. If you do not intend to maintain these accounts, we encourage you to contact ******************************** for assistance in closing them or log in to your app to close them yourself. We remain available to provide additional details about how our products work or to answer any other questions you may have.

• Initial Complaint

  Date:10/03/2025

  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 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: 10/07/2025

  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 November 11, 2021 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. If a request had been received, we would have promptly processed it in accordance with our cancellation policy.
   
  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.