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:07/19/2025

  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.

  After recently reviewing my credit report from your company, I noticed several inaccuracies that need to be addressed. The accounts in question are listed below:Company Name: KIKOFF Account #: CLLTYQ****Balance: $40.00 Under the Fair Credit Reporting Act (15 U.S.C. 1681g), I am formally requesting copies of all documents in your records that were used to verify the accuracy of these accounts. Please provide these documents in your response to this letter.I respectfully ask that you do not reply with a generic statement claiming the accounts have been verified. Instead, I expect to receive the actual records supporting this verification. If no such documentation exists, these disputed accounts should be removed from my credit report immediately, as required under Section 611(a)(5)(A)(i) of the FCRA.Including unverified or inaccurate information on my credit reportand continuing to share it with third partiesunfairly damages both my credit standing and my reputation. I ask that you take this matter seriously and resolve it as soon as possible.

  Business Response

  Date: 07/23/2025

  Hello *****, 

  Thank you for reaching out with your concerns. We understand the importance of resolving this matter and appreciate the opportunity to address it. According to our records, the terms and conditions for your account were accepted on November 21, 2022, 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. 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.
   
  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.

  Our records show we have responded to two prior BBB complaints from you, one in which you allege that we are inaccurately reporting your account and another in which you claim the account is fraudulent. We have thoroughly investigated your account and our findings remain unchanged. 

  For security of your account information, our support team will send you direct correspondence to the email on file. 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:07/18/2025

  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.

  COLLECTION AGENCY is violating the Customer Name, they removed it from one bureau and did not removed it from rest of the bureaus.

  Business Response

  Date: 07/23/2025

  Hello Kenya, 

  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.
   
  First and foremost, we as a company are not in the practice of debt collection and are not debt collectors. Any notifications of payment due on an account are sent to assist you in keeping your account current and intended to support your credit journey while the account is still in an open or active status. While we are here to support you, we do not engage in abusive acts, deception, or unfair practices. Once an account meets closure, electively or not, further communications regarding any payments owed/due will cease. 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.
   
  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. 
   
  According to our records, the terms and conditions for your account were accepted on April 29, 2024 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.
   
  Thank you for reaching out and allowing us the opportunity to address your concerns. If you require further information or need additional help, please contact us at ********************************************************. 
  

  Kikoff Customer Operations

• Initial Complaint

  Date:07/16/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

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

  Business Response

  Date: 07/18/2025

  Hello ********, 

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

• Initial Complaint

  Date:07/16/2025

  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.

  So, I signed up for a ************** Loan Account, they told me that I can get my 120 dollars back after I paid it off and when I did all I got was 50 dollars and that was it. I want to know what happened to the other money that was promised when I signed up for it? This is misleading and this can lead to a class action lawsuit if this isn't fixed. So, I pray, please help me.

  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.
   
  First, we would like to address your concerns regarding how our Credit Builder Loan works. The Credit Builder Loan is a service that helps you save money and build credit at the same time. Payments are $10 per month for 12 months. Upon closure or successful completion of the Credit Builder Loan, all funds you paid into the account are returned to you. 
   
  Upon investigation, we found that you made only five payments of $10 between August 2024 and February 2025. The last payment we received from you was on February 21, 2025, and the account was closed on May 30, 2025, due to an extended period of nonpayment. Our records indicate that you transferred the $50 funds paid into the account to a bank account on July 15, 2025. Again, as this account is designed to help you build credit and save money at the same time, only the funds you pay into the account are eligible to be withdrawn.
   
  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: 07/19/2025

   
  Complaint: 23606750
  
  I am rejecting this response because:
  Because it told me that I paid it all off and that it was done. Your tracking system is messed up or something, cause I know I paid the fill 120. 
  Sincerely,
  
  ********* *****

  Business Response

  Date: 07/23/2025

  Hello *********, 

  Thank you for your continued engagement.
  
  According to our records, we have found no correspondence indicating that you would receive the $120 even if the payments were not completed. Please note that before withdrawing any available funds, you will be able to see the amount you are eligible to withdraw based on the payments youve made toward your Kikoff Credit Builder Loan.
  
  You can also review your transaction history by following the steps below and confirming the payments made through your bank.
   
  Log in to your Kikoff app
  Click the Credit Builder Loan on the homepage
  Click the gear icon on the top right corner of your screen
  Click Transaction History  
  If you have any further questions or concerns, feel free to reach out to us at ********************************************************.

  Kikoff Customer Operations

• Initial Complaint

  Date:07/15/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

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

  Business Response

  Date: 07/18/2025

  Hello ******, 

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

  Kikoff Customer Operations
   

• Initial Complaint

  Date:07/15/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

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

  Business Response

  Date: 07/18/2025

  Hello *******, 

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

  Kikoff Customer Operations

• Initial Complaint

  Date:07/15/2025

  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 dont remember what Email I us3d to create the kikoff account. I found it on a survey app I use. I paid thr $5 subscription to report a positive balance for my credit report. Thought I would get to use that $5 but I didn't. I forgot all about the account. Then I noticed a negative **** saying late payment eith an outstanding balance of $55. I u first and not reporting if I didn't pay. But reporting negatively for something I dont even have? Never got my $5 back or a card u could spend it with. I should not be penalized for not paying the next months fee. Now your ruining my credit. Since I have an open balance of $55 I never used or seen. I would like a reimbursement of $55. I dont remember when I opened my account t but it was within the last 6 months.

  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.
   
  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 Basic plan which charges the tradeline a total of $60, to be paid off in the $5 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. Once these payments are successfully reported to the credit bureaus, they are non-refundable since they were applied according to our agreements. Please note that part of building credit is showcasing a person's timely payment history. 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. The tradeline is legitimate and is reported in compliance with all applicable regulations.
   
  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). 
   
  Our records show that terms and conditions were accepted on January 23, 2025, which outline both your payment responsibilities and Kikoff's commitment to accurate monthly payment reporting. 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. The last payment received was in January 2025, and the account is still active. 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 make every effort to keep our customers informed of account statuses through email notifications, which we understand may have been overlooked in your inbox. If you need assistance updating your payment method or no longer wish to maintain your account, please log in to complete a self-closure or let us know how we can assist further.
   
  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

  Customer Answer

  Date: 07/21/2025

   
  Complaint: 23601777
  
  I am rejecting this response because: To my knowledge this was a month to month subscription. Once paid then it was reported on my credit report. Regardless. Not paid should not reflect a negative **** on my credit. If im not paying it, it shouldn't be reported. How are you helping anyone if your reporting fake negative stuff? No, if your going  to report to my credit that I have a balance of $50. I want the $50 or remove it from my credit. 
  
  Sincerely,
  
  ******** *******

  Business Response

  Date: 07/24/2025

  Hello ********, 

  Thank you for reaching out. We appreciate the opportunity to continue addressing your concerns. 

  As we stated in our initial response, the terms and conditions for your account were accepted on January 23, 2025, at the time of account setup. These terms outline both your monthly payment responsibilities under the loan agreement, as well as the structure of the account. Please note that part of building credit is showcasing a person's payment history, and these transactions are eligible for reporting and are in line with our agreements. With this in mind, we cannot remove genuine late or missed payments. 

  We again understand your request and regret to inform you that we will not be able to remove Kikoff from your credit report. Our role is to provide information to the applicable credit bureaus in which we hope helps your credit building journey.

  We wish you well, and hope this explanation is helpful.

  Kikoff Customer Operations

  Customer Answer

  Date: 07/26/2025

   
  Complaint: 23601777
  
  I am rejecting this response because: if you can not remove it from my credit I would blame access to this $50 on this account that I never received.
  
  Sincerely,
  
  ******** *******

• Initial Complaint

  Date:07/14/2025

  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 have been with Kickoff credit builder for almost 2 years and now all of a sudden they stop reporting my bills and rent saying that there's no account shown and for a few weeks now they're threatening me with a deposit Demand. I stopped my auto pay because they were taking money from my account twice a month then saying that they didn't. So I decided to report and that also got me tied in and will not release me for dealing with them altogether

  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 understand the impact that payment history can have on a credit report, and it is always our goal to support our customers in maintaining positive credit outcomes.
   
  Upon investigating your account, we found that you downgraded your plan to Basic on July 13, 2025. We would like to let you know that Rent ********* and Bill ********* are not included as benefits on the Basic plan, which is why these items are no longer showing on your account.
   
  Our records show that you currently have a Kikoff Credit Account and a ************* Builder on your account. The payment for the Kikoff Credit Account was $20 (Premium Plan) and now $5 (Basic Plan), and $10 for the ************* Builder Loan, which is why your linked card was being charged twice a month while autopay was enabled.
   
  We want to address the concern you have regarding the screenshot attached that shows the deposit demand of $0.40. It is actually a process wherein the system is verifying the bank account that you're linking to your Kikoff profile. Once the bank details are verified, the $0.40 will be returned back to you.
   
  We wish you well, and hope this explanation is helpful.

  Kikoff Customer Operations

  Customer Answer

  Date: 07/18/2025

   
  Complaint: 23578931
  
  I am rejecting this response because the only reason that I downgraded was because I was paying $30.00 a month and they stopped reporting my rent, Cellphone and Electric talking about they couldn't find a payment. Mind you I pay all my bills with the same card across all platforms and have been paying them for almost 2 years with that exact card. Then they Demanded me to put my card on autopay or they couldn't report it.
  
  Sincerely,
  
  ******* La-viscount

  Business Response

  Date: 07/24/2025

  Hello *******, 

  Thank you for reaching out. We understand the impact that accurate credit history can have on a credit report, and it is always our goal to support our customers in maintaining positive credit outcomes.
   
  We would like to clarify that you have been making $20 payments towards the Kikoff Credit Account, which provides you the benefit of reporting your utility bills. In our investigation, we found that we have reported your phone bill and electricity bill from November 2024 up until June 2025, before you downgraded your plan to Basic.

  Upon further investigation, we have no record of any correspondence with you in which we demanded that you enable your Autopay for us to report your utility bills. We would like to clarify that enabling Autopay is per our consumer's discretion, and is only recommended to support you in keeping your account current. In the rare event of a payment failure, we will notify you promptly, providing ample time to make a payment before it is considered late. By staying on top of your payments, you will achieve optimal results in building a positive credit history.
   
  Thank you again for reaching out and allowing us the opportunity to address your concerns. If you have any additional documentation regarding your dispute, please feel free to share it, so we can continue to work together to ensure the accuracy of your account information.

  Kikoff Customer Operations

• Initial Complaint

  Date:07/14/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

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

  Business Response

  Date: 07/17/2025

  Hello Niche, 

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

  Kikoff Customer Operations

• Initial Complaint

  Date:07/13/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

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

  Business Response

  Date: 07/17/2025

  Hello *******, 

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

  Kikoff Customer Operations