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:03/17/2025

  Type:Sales and Advertising 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.

  Kickoff lending is reporting an account that I have never had and stating I am past due. I've never heard of this company and I want this removed I am going to sue this company for fraud

  Business Response

  Date: 03/21/2025

  Hello ********,

  Thank you for reaching out to us through the Better Business Bureau. We have reviewed your complaint and upon further review of the account that was opened in your name, we found inconsistencies in the information that would support a fraudulent claim. With that said we have submitted a correction to have this account removed from your credit reports. Please be advised that the bureaus have varying processing times but should reflect the changes over the coming weeks.   
     
  We apologize for any inconvenience this has caused, thank you for bringing this to our attention and wish you well in your financial future.

  Kikoff Customer Operations

• Initial Complaint

  Date:03/14/2025

  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.

  Complainant:Jaclilline ***** ********************************* 03/16/1974 1899 ************************************************* ********************************************* Complaint Date:03/14/25 Complaint Summary:I am filing a formal complaint against Jaclilline ***** for reporting fraudulent and inaccurate accounts/inquiries on my credit report, violating consumer protection laws. Despite previous disputes, they have failed to correct or remove this incorrect information.Issues with the Company:1.Failure to Properly Investigate My Dispute They continue to report incorrect information after I provided proof that these accounts are not mine.2.Unlawful Reporting of Information They reported these accounts/inquiries without my consent in violation of 15 U.S. Code 1681b.3.Unfair and Deceptive Practices They failed to validate the accounts before reporting them, violating the ***** and FCRA.4.Damaging My Credit and ***************** Hardship Their actions have harmed my ability to obtain credit, housing, and other financial services.5.Failure to Respond to Prior Disputes I have attempted to resolve this matter directly with them, but they have ignored my previous requests.Requested Resolution:I demand that Jaclilline *****:? Immediately remove the fraudulent accounts and inquiries from my credit report.? Provide written confirmation that the information has been deleted.? Cease any further attempts to report or collect on inaccurate accounts.

  Business Response

  Date: 03/17/2025

  Hello Jaclilline, 
  

  Thank you for reaching out with your concerns. We understand the importance of resolving this matter, and we appreciate the opportunity to address it. 
  Firstly, our records show no previous communications or disputes received from you, or on your behalf, regarding the accuracy of our reporting your account information. Had we received any requests from you to investigate the account, we would have done so and responded back to you with our findings. 
  

  We would like to direct you to our account terms which form part of our Terms of Service, that you accept electronically during account opening, and outlines the responsibilities of the loan and the monthly payment reporting to the bureaus. Our records show that you accepted these terms on December 18, 2021, at the time of account opening. Since Kikoff is a virtual company, accepting our terms is completed electronically, and is a requirement to proceed with opening an account. 
  

  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 we received was in October 2022, and the account is currently closed. In compliance with the Fair Credit Reporting Act (FCRA), we cannot remove genuine late or missed payments, as it is our obligation to maintain accurate reporting on all accounts, regardless of status.
  

  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.

  Kikoff Customer Operations

  
  

• Initial Complaint

  Date:03/13/2025

  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.

  To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. ******************** - CL2NTFT7JP - $160.00 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  Business Response

  Date: 03/17/2025

  Hello ******, 

  Thank you for reaching out to us through the Better Business Bureau. 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. 
   
  Upon checking your account, it shows here that there were consistent payments on the account before the plan was upgraded to Premium Plan. It was upgraded on February 9, 2024. We verified that the upgrade confirmation correspondence was opened. Our records show that the last payment we received from you was on June 16, 2024, and the account was charged off on February 2, 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.
   
  As a lender, we have a responsibility to report payment information truthfully and accurately, as required by the Fair Credit Reporting Act (FCRA). 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.
   
  For security of your account information, our support team has sent 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

  Customer Answer

  Date: 03/18/2025

   
  Complaint: 23060290
  
  I am rejecting this response because:
  
  Sincerely,
  
  ****** *****

• Initial Complaint

  Date:03/13/2025

  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: 03/17/2025

  Hello Karlise, 

  Thank you for reaching out to us through the Better Business Bureau. 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. Our investigation of your account shows that you opened the account on December 2, 2023 with the Basic plan then upgraded to the Premium plan on the same day. 
   
  Our records show that the last payment we received from you was on April 10, 2024, and the account was charged off on November 24, 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.
   
  As a lender, we have a responsibility to report payment information truthfully and accurately, as required by the Fair Credit Reporting Act (FCRA).  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.
   
  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:03/12/2025

  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 disputing an invalid account reported by ***************************** Name]** on my credit report. This account is inaccurate, unverified, and violates the Fair Credit Reporting Act (FCRA). Since it does not meet the legal standards for reporting, I request its immediate removal. If the furnisher cannot provide proper validation, it must be deleted per federal law.I am disputing an invalid account reported by ***************************** Name]** on my credit report. This account is inaccurate, unverified, and violates the Fair Credit Reporting Act (FCRA). Since it does not meet the legal standards for reporting, I request its immediate removal. If the furnisher cannot provide proper validation, it must be deleted per federal law.

  Business Response

  Date: 03/17/2025

  Hello Markeiona, 

  Thank you for reaching out to us through the Better Business Bureau. 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. 

  Our records show that you opened the Kikoff Credit Account on April 29, 2023 and made a payment of $20 on that date. Your payments due from June 26, 2023 to November 26, 2023 were not paid until November 17, 2023, which exceeds our generous ***** ******* 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.

  As a lender, we have a responsibility to report payment information truthfully and accurately, as required by the Fair Credit Reporting Act (FCRA).  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.
   
  For security of your account information, our support team has sent you direct correspondence with all documents pertaining to your account 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:03/12/2025

  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 filing this complaint because my credit report contains unverified accounts that I do not recognize. These accounts are appearing under my name without my authorization, and I have every reason to believe they may be linked to a data breach or fraudulent activity. I take my financial security seriously, and I refuse to allow false or unverifiable information to damage my credit standing. These inaccuracies are actively harming my financial stability, and I demand immediate action to correct them.Despite my repeated attempts to obtain verification, I have not received any legitimate proof that these accounts belong to me. This blatant lack of transparency is a direct violation of my consumer rights. Under the Fair Credit Reporting Act (FCRA) 15 U.S.C. 1681g, I am demanding full documentation proving the validity of these accounts, including:Company Name: KIKOFF Account Number: ********** Reported Balance: $160.00 I require real, verifiable proof such as original account applications, signed agreements, or transaction records confirming their legitimacy. A generic response stating that the account has been "verified" is not acceptable. If no such documentation exists, these accounts must be immediately removed under FCRA Section 611(a)(5)(A)(i), which mandates the deletion of unverifiable information from consumer credit reports.Additionally, I am filing a formal complaint with the Better Business Bureau (BBB) against them, as this company has failed to provide proper documentation proving the validity of the reported account. Their refusal to supply supporting records and their failure to conduct a legitimate verification process are clear violations of federal law. I expect an immediate investigation and a full response addressing this issue.

  Business Response

  Date: 03/17/2025

  Hello *******, 

  Thank you for reaching out with your concerns. We understand the importance of resolving this matter, and we appreciate the opportunity to address it. 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 19, 2023, all of which matched.
   
  We have confirmed that the emails sent to the linked email address have been successfully opened, and the verification codes sent to your phone number were used to access your account, subsequently verified, and your phone number has been associated with you for an extended period prior to account creation. Furthermore, we have verified that you successfully authenticated your government ID and a verification document. Additionally, the billing address associated with the payment method used is identical to the address on file.
   
  According to our records, the terms and conditions for your account were accepted on August 19, 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 bureau, and is completed electronically as a requirement to proceed with opening an account.
   
  We do sympathize with your situation, and would take action if the evidence indicated a different result, but we are also responsible to report accurate information - which in this case does appear to be accurate.
   
  Thank you, and we wish you all the best. 
   
  For security of your account information, our support team has sent 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:03/12/2025

  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 kikoff lending. I do not have a contract with the collection agency, they did not provide me with the original contract as I requested.

  Business Response

  Date: 03/17/2025

  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 14, 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.
   
  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.
   
  For security of your account information, our support team has sent 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:03/11/2025

  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.

  you received my dispute regarding some transactions and late payments that you and ( Put creditor name here) furnished to my consumer report and when I disputed these exclusions using the **** I received a response from you (Experian, **********, Equifax) stating that the account was verified!!! I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that; (2)Exclusions.Except as provided in paragraph (3), the term consumer report does not include (i) report containing information solely as to transactions or experiences between the consumer and the person making the report; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment? Further more lets take a look at 15 USC 1666b (a)Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637(b) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy; What reasonable procedure that you have adopted designed to ensure that each peridioc statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date. The only way for you to validate a latepayment is to ensure that 15 *** 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 *** 1666b! Further more this process must be certified by an agent that the information is accurate.

  Business Response

  Date: 03/14/2025

  Hello ******, 

  Thank you for reaching out to us through the Better Business Bureau. 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. The payment due for September 10, 2023 up until January 10, 2024 was paid on February 23, 2024 that brought your account back to current status. However, your payment has fallen outside the ***** period.
   
  We make every effort to keep our customers informed of account statuses through email notifications. Upon investigating further, the account plan was upgraded to Premium on March 7, 2024. We have confirmed that you were able to receive upgrade confirmation and opened the correspondence that we have sent. Our records show that the last payment we received from you was on February 23, 2024, and the account was charged off on October 7, 2024, due to an extended period of nonpayment.
   
  As a lender, we have a responsibility to report payment information truthfully and accurately, as required by the Fair Credit Reporting Act (FCRA). 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.
   
  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:03/11/2025

  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.

  I have an account with kickoff, but I have not paid in a while, but when I got my tax money loaded on that card. They took a $245 payment when I havent even logged into my kickoff account. I never took any loans or real money from them. I tried calling them, but because I couldn't give the right address, they pretty much told me they cant help me... This is ridiculous and I want my real money back.

  Business Response

  Date: 03/03/2025

  WE ARE NOT KIKOFF CREDIT! WE ARE CORPORATE KICKOFF -- A MOTIVATIONAL SPEAKING COMPANY. MAKE SURE YOU ARE WRITING A COMPLAINT TO THE RIGHT COMPANY BEFORE YOU SUBMIT.

  Business Response

  Date: 03/14/2025

  Hello *******, 

  Thank you for reaching out to us through the Better Business Bureau. We have thoroughly reviewed your complaint and, upon investigation your account, we noticed a payment lapse spanning from September 2024 to February 2025. As your Kikoff Credit Account was enrolled in Autopay, our system automatically deducted the past due payments from the card saved on file once it detected sufficient funds.
   
  We would like to confirm that a refund was initiated on March 1, 2025, and should be credited back to the card used for payment within 5-7 days.
   
  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:03/11/2025

  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.

  This debt with KIKOFF is not my responsibility. There is no agreement between me and KIKOFF. This is fraudulent behavior because the account was opened without my consent. The business has did not present a signed contract or other evidence that I gave permission for this to be opened. account. There is no legal foundation for this unless there is a signed, legally binding contract. to be registered in my name. Consequently, I contest its legitimacy and ask that it be taken down right away from my documents.

  Business Response

  Date: 03/14/2025

  Hello Dillian, 
  
  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 August 26, 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.
  
  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 our 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.

  Kikoff Customer Operations