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:11/15/2025

  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.

  yes the membership cost was supposed to include finding extra savings on your bill not to turn around and charge me half of the money they could save me on my bill which they didnt do

  

  Business Response

  Date: 11/17/2025

  Hi *****,
  
  We apologize for any confusion and value the opportunity to clarify how our **** *********** feature works.
  
  Your membership includes access to our ************************ at no upfront cost. A fee is only applied when verified savings are successfully secured. In those cases, do we split the annual savings from that provider by 50% and is automatically scheduled in four bi-weekly installments (can be extended up to 30 days each if needed).
  Important Note: New rates apply starting the next billing cycle.
  If we are unable to reduce your bill, no Bill *********** fees apply. More information is available at *******************************************.
  
  Rest assured; we have taken note of how this feature was communicated during the process and are committed to ways in improving the clarity with how it works.
  
  In light of the above, we'd like to confirm the successful cancellation of the service and the issuance of the corresponding refunds per your request. While we issue refunds immediately on our end, the timeframe for the funds to reflect depends on your bank. Most process refunds within 23 business days, though in some cases it may only take up to 10. Attached are the receipts for your records.
  
  We appreciate your patience and understanding as we address this matter to your satisfaction. Should you have any other concerns, please do not hesitate to reach out directlywe're here to help.

• Initial Complaint

  Date:11/14/2025

  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 paid them to defer a bill for my car insurance. They didn't cover the difference as agreed and my car insurance was cancelled. They are sending me to collections for a service they didn't actually provide to me.

  

  Business Response

  Date: 11/18/2025

  Hi *******,
  
  Thank you for bringing this matter to our attention. We understand how important it is to keep your insurance payments up to date, and we want to ensure you have clear and accurate information regarding the payment we made on your behalf.
  
  After a full review of your account, we'd like to confirm that we successfully processed a $334-payment to Dairyland on September 12, 2025, under confirmation number *********. For your records, weve attached the payment confirmation receipt reflecting this same-day transaction.
  
  You are welcome to forward this receipt directly to your ****** so they can verify and properly allocate the funds to your policy. Providing the confirmation often helps the ****** reconcile any discrepancies on their end.
  
  We value the opportunity to assist. Should you have any additional questions, need clarification, or require further support, please dont hesitate to reach out to us directlywere here to help.

• Initial Complaint

  Date:11/09/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was using my deferit account and they locked the account. I had used the account for an entire year with no problem. I went to pay my bill in september and i noticed the account was locked for payments. I reached out to the costumer service and was told to show my ID and card number. I told them i didnt feel comfortable with that and we could just let me pay the account to Zero. So that i wouldn't get a late payment on my credit. The wouldnt unlock the account. I would like the late payments removed. I tried my best to make the payment but the company wouldn't unlock the account.

  

  Business Response

  Date: 11/13/2025

  Hi ********,
  
  Thank you for choosing Deferit as your bill-budgeting platform. We appreciate the opportunity to assist you in restoring your account access.
  
  Following up on our direct email correspondence, were pleased to confirm that your account has been recalled from collections and successfully unlocked. You can now log in and settle your outstanding balance directly with us at your convenience.
  
  We truly appreciate your patience throughout this process. If you have any further questions or need assistance, please dont hesitate to reach out directlywere here to help.
  

• Initial Complaint

  Date:10/30/2025

  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.

  CREDIT REPORT DISPUTE LETTER Your Name: [***** ******]Address: [************************************************************************************]Date of Birth: [**********]Last Four of SSN: *************__Date: [10/29/25]To:Experian P.O. ************************* Subject: Formal Dispute Under FCRA 611 Deferit **************** Accounts Dear Experian,I am writing to dispute inaccurate accounts that appear on my credit report. The accounts listed as ******************** *** and ********** are not mine, and I request that they be investigated and removed from my credit file immediately.According to my records, I have never opened, authorized, or had any relationship with either company.I am invoking my rights under the Fair Credit Reporting Act (FCRA), Section 611 (15 U.S.C. 1681i),which requires credit bureaus to conduct a reasonable reinvestigation of disputed information and delete unverifiable accounts within 30 days.Please re-verify these accounts directly with the furnishers. If Deferit *** or ********** cannot provide verified documentation such as an application or signed agreement bearing my name the accounts must be deleted in accordance with FCRA 611(a)(5)(A).Account Details:- Creditor Name: Deferit *** - Account Type: [Installment / revolving ]- Account Number: [Last 4 digits or *****- Creditor Name: ********** * Account Type: [Unknown / Other]- Account Number: [Last 4 digits or N/A]Please send me written confirmation of the results of your investigation and an updated copy of my credit report once these items are resolved.Thank you for your prompt attention to this matter.Sincerely,[***** ******]***********][******************************]

  

  Business Response

  Date: 10/31/2025

  Hi *****,
  
  Thank you for bringing this matter to our attention. We take all reports of potential fraud very seriously and are committed to ensuring your information remains secure.
  
  Weve sent you a direct email at ************************ with instructions to begin our verification process so we can move forward with the investigation. To confirm your identity and help us proceed, please complete the quick verification via our secure Onfido link:
  ************************************************************
  
  This process only takes a few minutes and will allow our accounts team to thoroughly review and investigate the matter.
  
  Once youve completed the verification, kindly let us know so we can confirm receipt and ensure your case is escalated for immediate review.
  
  Thank you again for your cooperationwere here to support you every step of the way.

  Customer Answer

  Date: 11/25/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  [Your Answer Here]

   Not resolved I sent information to all 3 credit bureau file a cfpb complaint/ *** complaint, filed a Tennessee attorney general complaint & I also sent information to Deferit,Inc I dont understand why this is not resolved & its making my credit drop well over 100 points

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

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

  

  Business Response

  Date: 11/26/2025

  Hello *****,
  
  Thank you for your continued communication regarding your complaint. I understand the importance of this matter and would like to provide a clear update on the actions we have taken.
  
  We previously contacted you via email with the results of our investigation, and we confirm that the following steps have been completed:
  
  1.The tradeline associated with your account has been submitted for removal from all major credit bureaus.
  2. All outstanding balances on the account have been fully waived.
  3. Your account has been permanently closed to prevent any further activity.
  
  As noted in our prior correspondence, credit reporting updates are subject to each bureaus individual processing timelines. You can expect the removal of the tradeline to appear on your credit report during the first or second week of December.
  
  We recognize the impact this situation has had and want to assure you that all corrective actions have been completed on our end. Should you have any additional questions or require further assistance, please do not hesitate to reach out.

  Customer Answer

  Date: 11/26/2025

  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 and the matter has been resolved.
  
  Sincerely,
  
  ***** ******
  
  
  
   
  
  

• Initial Complaint

  Date:10/28/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

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

  

  Business Response

  Date: 10/29/2025

  Thank you for your patience. Wed like to provide you with an update on the results of our investigation. Here are the actions weve taken:
  The tradeline associated with your account will be removed from the credit bureaus. Any outstanding amounts on the account have been waived. Your account has been successfully closed.
  
  We appreciate your patience throughout this process. If you have any further questions or need additional assistance, please feel free to reach out. Were here to help!

• Initial Complaint

  Date:10/28/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to bring to your attention a fraudulent account that has been opened in my name. I am a victim of identity theft and did not authorize the opening of this account. Below are the details of the fraudulent account:Creditor *************************** Opened Date: 4/23/2024 Account Number: *******************I kindly request that you close this account immediately and remove any negative information associated with it from my credit report. Additionally, I would appreciate it if you could provide confirmation of the account's closure and any relevant documentation related to the fraudulent activity.Thank you for your prompt attention to this matter. I look forward to your immediate action and confirmation.

  

  Business Response

  Date: 10/29/2025

  Hi ********,
  
  Thank you for your recent communication regarding a claim of identity theft.
  
  We have completed our investigation and determined that the uploaded bills associated with the account are in your name, which aligns with the information provided during enrollment.
  
  Based on these findings, we are unable to accept the identity theft claim at this time.
  
  If you have any additional documentation supporting your claim, please submit it to us by replying back, or submitting the documents to ************************************* Upon receipt, we will gladly re-open the investigation and review the new information.
  
  If you have any questions or need further assistance, feel free to reach out via our Help Center.
  
  Kind regards,
  Customer Care Team
  ********************

• Initial Complaint

  Date:10/22/2025

  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 used deferit to pay a bill in 4. I finished paying the bill, thought it was convenient so I paid the same reoccurring bill using the pay in 4. It is set up in auto pay with my bank DEBIT card. I received a notice from them that my card was flagged as "high fraud". I had used a virtual DEBIT card from my bank account so I replaced it with the actual card number. (I have paid off on pay in 4 already and owe 3 payments on the second pay in 4). They reached to me again saying my account was still locked. Iuse that virtual card on all my online payments and never have an issue, and other online businesses are still using the virtual card as a form of payment. My physical debit card is active. I tried to call but there is no phone number. So I emailed them. They emailed me back to send over unencrypted email a photo of my ID and a photo of my bank card with the last 4 digits showing. No. That is not secure at all. I contact my bank who confirmed my card is absolutely fine. I emailed I was uncomfortable doing that to please open the portal and I would pay in full. They replied again asking for the photo of my ID and my card with last four digits to be EMAIL. I again declined and told them to open the portal so I can pay in full. a THIRD time they replied for me to send my legal name, birthdate, and social security last 4 digits. NO - a scammer could use that for a lot of fun. No way I am sending that on unencrypted email. I WANT TO PAY IN FULL AND CLOSE THE ACCOUNT!!! This is highly irregular.

  

  Business Response

  Date: 10/23/2025

  Hi *********,
  
  We understand your concerns and appreciate the opportunity to provide further clarity.
  
  As outlined in our previous correspondence, your account was automatically locked by our banking networks security systems. These measures are designed to safeguard your financial information whenever irregular activity or data inconsistencies are detected. This process is fully automated and not a manual action taken on our end.
  
  To securely verify account ownership and restore access, we requested limited identifying information. This is a standard verification step used across financial services to ensure account access is granted only to the authorized individual. Please be assured that all information shared with Deferit is handled in strict accordance with our privacy and data protection protocols.
  
  Once verification is complete, we will promptly unlock your account and proceed based on your preference. Should you have any other questions or require further assistance, please don't hesitate to reach out directlywe're here to help.

• Initial Complaint

  Date:10/21/2025

  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.

  they are billing me ***** then ***** then *****, my bank said the company keeps using different names to charge my account. i do not owe them, i got a new card and they have fradunetly received my new card , their site does not allow you to remove your card or cancel the membership. only email and i have emailed them and i'm sick of this fraudently company

  

  Business Response

  Date: 10/22/2025

  Hi *******,
  
  Thank you for bringing this to our attention. Weve completed a full review of your account and confirmed that all subscription fees incurred during your hardship payment plan have been refundedspecifically for May 2025, June 2025, July 2025, August 2025, and October 2025.
  
  Refunds were issued immediately on our end, and while most banks post funds within 23 business days, in some cases it may take up to 10 business days to reflect. The September 2025 subscription charge is currently under your banks dispute process, and its timeline will depend on your banking institution.
  
  For transparency, refund receipts are attached for your records. We appreciate your patience and understanding as we resolved this matter. Should you have any other concerns or require additional assistance, please don't hesitate to reach out directlywe're here to help.

  Customer Answer

  Date: 10/24/2025

  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 and the matter has been resolved.
  
  Sincerely,
  
  ***** ******
  
  
  
   
  
  

• Initial Complaint

  Date:10/20/2025

  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.

  On the recorded line with deferit and also with there third party company indebted I was told and agreed to a pay for deletion I have been waiting months and went there disputes and they havent done a thing but try to validate the late payment if a true investigation is done and I mean true they have to hand over that phone call with me which make my point valid

  

  Business Response

  Date: 10/20/2025

  Hi *******,
   
  Weve gone ahead and taken action close your account and remove the Deferit tradeline from your credit report as a one-time goodwill adjustment. Please note that it may take 2 to 4 weeks for this change to be reflected in your credit file, depending on the credit bureaus update cycle.
   
  If you have any further questions or need assistance in the future, feel free to reach out.
  

• Initial Complaint

  Date:10/17/2025

  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.

  Took money out my bank denied me service of not paying the bill I submitted

  

  Business Response

  Date: 10/20/2025

  Hi ******,
  
  Thank you for bringing this to our attention. Weve been in direct contact with you via email to confirm that both refunds for your September and October subscriptions have been successfully processed, and your account has been fully cancelled as requested.
  
  As noted in our correspondence, refunds are issued immediately on our end; however, the timeframe for the funds to appear in your account depends on your banks processing timesmost complete this within 23 business days, though in some cases it may only take up to 10.
  
  For your reference, weve also attached copies of the refund receipts confirming these transactions.
  
  We appreciate your patience and understanding, and were glad to have resolved this matter for you.