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:09/11/2025

  Type:Sales and Advertising 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.

  I have not had any problems but twice this year *** had my account flagged for an high risk banking issue. In April, I emailed and get a response within 1 day. Well recently I emailed about being on high risk alert again and received automatic email stating reply within 1-2 business days before a reply. Well its been a week and still no reply. I have sent 3 emails with no reply but Im getting emails and texts about a past due account but I cant even do anything nor pay due to my account being unlocked.

  Business Response

  Date: 09/11/2025

  Hi *********,
  
  Thank you for bringing this matter to our attention. We sincerely apologize for the delay in our response and understand how important timely access to your account is, especially with upcoming payments, and regret any concern this may have caused.
  
  We have since replied to your email with a secure link to complete a quick ID verification. Once submitted with a valid, clear photo of your identification, our Customer Heroes are ready to reassess and restore your account access without further delay.
  
  We value your patience and want to reassure you that resolving this promptly remains our top priority. Should you have any further questions or concerns, please don't hesitate to reply directly to our emailwe're eager to support you every step of the way.

  Customer Answer

  Date: 09/15/2025

  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:09/05/2025

  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.

  Deferit is not operating the way a business should. First off it was stated in the terms that there are no late fees and I searched this many times to get the same answer. However they added $10 to my most recent payment and I requested this additional fee to be removed since they tried to charge the wrong card and it didnt go through. Instead of removing that $10 they added another $8 on top of that. Now they expect me to pay $71 for a $53 installment even thought they already charge an insane monthly subscription fee. It has only been a few days since the due date I set for the payment. Im not sure that this is even legal. If this cannot be resolved I will be cancelling my membership and never using this service again. This is taking away from the positive aspect of having the app. And causing someone a hardship and not being willing to resolve it is a even crazier way to do business. You are better off just paying your bills instead of splitting through Deferit.

  Business Response

  Date: 09/08/2025

  Hello ********,
  
  Thank you for taking the time to share your feedback. We completely understand your concerns and want to assure you that weve addressed your questions in detail through a separate email. As part of our resolution, weve also waived the late fees on your account.
  
  We truly value the chance to support our customers and are committed to making sure you feel heard and assisted. If you ever have more questions or need further help, please dont hesitate to reach out to us directly.

• Initial Complaint

  Date:08/28/2025

  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 Deferit **** I do not have contract with this collection agency attempting to collect and report this to my credit report. I did not sign any paperwork with Deferit stating I would owe them any money. Deferit did not provide me with the original contract as requested.

  Business Response

  Date: 09/12/2025

  Hi *******,
  
  Thank you for bringing this matter to our attention. We understand the importance of accurate credit reporting and recognize how concerning it can be when you believe an account has been reported in error.
  
  We are currently conducting a thorough review of your account and the reporting information associated with it. Please be assured that we take these concerns seriously and will follow up with you directly via email once our review is complete.
  
  We appreciate your patience while we complete this process and remain committed to addressing your concerns promptly and thoroughly.
  

• Initial Complaint

  Date:08/25/2025

  Type:Sales and Advertising 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.

  Deferit sent me email in the beginning on August letting me know the card I used had been used in a dispute. Well when I went on the site it give me no option to clear the payment up . However I sent proof that this shouldnt be under dispute at least under me. I asked for someone to call me , they dont do calls now I cant pay the item or my other bills which is unfair I sent a email for a complaint and no one has responded to me. I think This is real unbelievable that I cant Pay my other payments thats making me go into collections or allow me to Use this service

  Business Response

  Date: 08/27/2025

  Hi ********,
  
  Thank you for bringing this matter to our attention; we appreciate the opportunity to address your concerns to your satisfaction.
  
  Weve since replied directly to your email, providing a detailed explanation and outlining the available options to move things forward.
  
  Should you have any further questions or require additional assistance, please don't hesitate to reply directly to our emailwe remain committed to supporting you and working toward a smooth and secure resolution.
  

  Customer Answer

  Date: 08/28/2025

  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]

  However what deferit keep sending me is the same exact thing I have explained over and over again . This does not change the fact that I emailed a complaint or that I cant even pay my other bills at all or that this company went to report this to the credit bureau that is now a negative impact on my report . Sending me the same email over and over again is pointless when we not getting no where 

   

   

   

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

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

  Business Response

  Date: 09/01/2025

  Hi ********,
  
  Thank you for your patience while we worked through this matter together. Were glad to confirm that your account has now been successfully unlocked.
  
  If you have any additional questions or need further assistance, please feel free to reply directly via emailwe're here to support you every step of the way!

  Customer Answer

  Date: 09/17/2025

  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:08/14/2025

  Type:Service or Repair 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.

  I created an account with ******************** and was approved for $150 limit. Rather than have Deferit pay my bill, I opted for a $50 cash advance. Deferit approved it and said the $50 was deposited to my debit card on Aug 5th. The agreement was to pay back the $50 in two installments of $25.99. The issue is, the $50 was never deposited in my account and now ******************** is saying I owe them both installments. I contacted their customer support and never heard back. This is fraud! I will not pay them a dime for money that was never received.

  Customer Answer

  Date: 08/15/2025

  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:08/12/2025

  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 paid the fee for my bill to get paid and I HAVE YET TO HEAR FROM THIS COMPANY!! They took my money and as right now my bill has not been paid. My disconnect is on...and I have been screwed. I ahve tried emailing and no one will respond!! I don't recommend.

  Business Response

  Date: 08/13/2025

  Hi *******,
  
  Thank you for bringing this matter to our attention; we appreciate the opportunity to address your concern to your satisfaction.
  
  We sincerely apologize for the delay in our response as weve recently seen a higher volume of support inquiries, which has contributed to some extended response times. Rest assured; were actively scaling our support efforts to meet demand, and we genuinely appreciate your utmost patience as we work through this.
  
  We have since replied directly to your email with the complete details confirming the successful payment of your bill, along with guidance on ensuring your account reflects the payment we've made.
  
  We regret any frustration the delay may have caused and remain committed to providing timely and transparent communication. If you have any other questions or need further assistance, please don't hesitate to reply to our direct emailwe're committed to supporting you every step of the way.

• Initial Complaint

  Date:08/04/2025

  Type:Service or Repair 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.

  I have used Deferit for quite awhile and never had any problems. In the last month, they have locked my account twice saying I have a card that is high risk and they have locked my account. I have emailed at least 6 times but never get an answer. I cant pay what I owe or anything.

  Business Response

  Date: 08/05/2025

  Hi *****,
  
  Thank you for bringing this matter to our attention; we appreciate the opportunity to resolve your concern to your satisfaction.
  
  Upon checking, I'm pleased to have confirmed that your account has already been successfully unlocked and have since replied to your email with the details for your reference.
  
  Your patience and understanding throughout the process are truly valued. Should you have any other questions or require further assistance, please don't hesitate to reply directly to our emailwe're committed to supporting you every step of the way.

  Customer Answer

  Date: 08/06/2025

  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:08/04/2025

  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.

  "DeferIt" is a buy now, pay later service designed for bill payments. At first, it seems like a great option for flexible bill management. However, my experience revealed major issues with customer support, response times, and account management.When I needed to update my debit card after losing it, my account was abruptly flagged without clear explanation. The platform displayed vague messages asking me to "contact them right away," but no helpful details were provided. Despite reaching out immediately, it took nearly 10 business daysand a negative reviewto get a response. For a service marketed as reliable, such delays are unacceptable, especially when it involves paying essential ******** register, DeferIt requires extensive verification, including bank account and ID authentication. I provided my checking account details, a Wisconsin REAL ID, and a backup credit card. When I lost my debit card, my account was flagged "by the banking system" before my replacement card arrived. No explanation was given, and resolving the issue was unnecessarily slow.When DeferIt finally responded, their instructions to unlock my account were overly demanding, despite the documentation I had already provided. They requested:"To unlock your account, reply with:A selfie holding your card, showing only the last 4 digits and your name.A selfie holding your ****** may cover the rest of the card for privacy."While security is important, this request felt excessive, especially since DeferIt already had verified personal and financial details. Their rigid process and poor communication made the situation unnecessarily frustrating.Their fee structure raises concerns. DeferIt charges a monthly membership fee of up to $24.99, plus a $0.99 processing fee for each repayment. While they advertise no interest, these mandatory fees add up. Failure to pay them results in penalties, affecting loan access and repayment. This structure forces users to pay fees.

  Business Response

  Date: 08/04/2025

  Hi ********,
  
  Thank you for bringing this to our attention. We take verification-related concerns very seriously and truly appreciate the opportunity to make things right.
  
  Were glad to confirm that your account has been successfully unlocked following receipt of the documentation you provided. Weve also followed up via email with full details for your reference.
  
  Your feedback is incredibly valuable to us as we continually work to improving our processes, especially around clarity with verification and our Customer Heroes' response times, to ensure a smoother and more transparent experience moving forward.
  
  Thank you again for your patience and understanding as we worked through this together. If you have any additional questions or need further support, please dont hesitate to reply directly to our emailwere here to support you every step of the way.
  

  Customer Answer

  Date: 08/09/2025

  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:

  The issue immediately returned, but without a specific reason. The day following the business's reply, my account, which has been paid through ******* was immediately restricted again.  I simply want my membership fee and the "tip" from my bill payment refunded. 

   

   

   

   

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

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

  Business Response

  Date: 08/20/2025

  Hi ********,
  
  Thank you for sharing your concerns with us. We appreciate the opportunity to review your account and ensure a fair resolution.
  
  After completing a full review, we have processed refunds under our customer satisfaction guarantee for your July 2025 membership fee, the tip, and the associated installment processing fees. These funds have been returned to your original payment method and should appear within 35 business days, depending on your banks processing times. Your account has also been closed at your request, and no further charges will occur.
  
  Were grateful for your feedback, which helps us continue improving our verification process, communication, and response times to create a smoother experience for all customers.
  

  Customer Answer

  Date: 09/07/2025

  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:07/24/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am disputing an invalid account reported by **********************, *** 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: 08/05/2025

  Hi *******,
  
  Thank you for reaching out and bringing this matter to our attention. We understand how important accurate credit reporting is and appreciate the opportunity to address your concerns.
  
  At this time, we are still checking internally for any additional records that may help us identify the account in question and complete our review. Well follow up with you directly via email as soon as we have the more information to sorting this matter promptly.
  
  In the meantime, we appreciate your patience as we work to resolve this as quickly and thoroughly as possible.

  Customer Answer

  Date: 08/10/2025

  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:

  You have not provided any documentation or evidence proving that this account is mine. As such, you are in violation of the **** by continuing to report unverified information. This account is causing ongoing harm to my creditworthiness and financial well-being.
  
  
  I am formally requesting that you remove this account from my credit report immediately. Please confirm in writing within 15 days that this account has been deleted from my file.
  
  
  

   

   

   

   

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

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

  Business Response

  Date: 08/12/2025

  Hi *******,
  
  Thank you for your follow-up. We understand your concerns regarding the accuracy of the information reported and the potential impact on your creditworthiness.
  
  As mentioned in our prior direct outreach, we have not yet been able to locate any account under your name using the details provided in your complaint. To help us move forward with a thorough review, it would be helpful if you could confirm the email address associated with the Deferit account in question. Having this information will allow us to verify the account details and take the next appropriate steps under the Fair Credit Reporting Act (FCRA).
  
  Once we have the requested details, we will promptly complete our review and follow up with you regarding the outcome. Our goal is to work toward a resolution as quickly and accurately as possible.
  
  We appreciate your patience and look forward to hearing from you.

  Customer Answer

  Date: 08/12/2025

  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:

  I dont have an account so there is no email address to provide to you. Delete this account from my name. 

   

   

   

   

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

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

• Initial Complaint

  Date:07/24/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Subject: Urgent: Incorrect Reporting on Credit Report Payment History and Status Dear Deferit Inc.,I am writing to formally dispute inaccurate and damaging information being reported on my credit report in connection with my account with your company. Upon reviewing my credit report, I have noticed that Deferit is reporting my payment status as unknown and is inaccurately reflecting that 0% of my payments have been made on time. This is completely false and is negatively impacting my credit score.I have consistently made timely payments, and I expect my credit report to reflect this accurately. The current reporting misrepresents my payment history and raises serious concerns regarding your data furnishing practices.I respectfully request that you immediately investigate this matter and correct the reporting to accurately reflect my payment history, including updating the payment status and on-time payment percentage. If necessary, I am prepared to provide documentation or payment confirmations to support my position.Please confirm receipt of this message and provide a timeline for resolution. I expect this issue to be corrected as soon as possible in compliance with the Fair Credit Reporting Act (FCRA).Thank you for your prompt attention to this matter.

  Business Response

  Date: 08/05/2025

  Hi *****,
  
  Thank you for bringing this to our attention. We understand how important accurate credit reporting is, and we recognize how concerning it can be when something appears incorrect. We appreciate the opportunity to address this for you.
  
  Were still actively reviewing your account in detail, including the issue you flagged regarding how your payment history is appearing with *******. Please be assured that well follow up with you directly via email as soon as we have an update with the matter.
  
  In the meantime, thank you for your continued patiencewere committed to resolving this as thoroughly and promptly as possible.