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Business Profile

Financial Technology

Deferit, Inc.

Complaints

Customer Complaints Summary

  • 158 total complaints in the last 3 years.
  • 96 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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.

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Complaint status

Complaint type

  • 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: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 had bill negotiated that I canceled but they continue to try to charge me for and report negative reporting to the credit bureaus. I was told this would be cancelled last year and I am still dealing with this issue. I have all my emails receipts regarding this

    Business Response

    Date: 08/06/2025

    Hi ***********

    Thank you for bringing your concern to our attention. We appreciate the opportunity to clarify the matter and ensure the information youve received is accurate and complete.

    To address your primary concern: no activity related to our **** Savings feature, whether settled or unsettled, is ever reported to credit bureaus. This service does not impact your credit report in any way, and we are confident that no negative reporting originated from this service.

    Regarding your account status: there is no active or outstanding balance on your account at this time. We've conducted a thorough review and confirmed that following your cancellation request, the cancellation was processed appropriately, with no further charges applied thereafter. For full transparency, we have attached your account summary, which reflects your current status and confirms that there is no remaining balance due.

    We value your time and patience, and were committed to resolving any outstanding questions you may have. If you need additional documentation or further clarification, please dont hesitate to contact us directly at ***************************************************** here to help.

    Customer Answer

    Date: 08/06/2025

    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]

     I have attached screenshots showing how ************ has negatively reported my on credit that I have 3 late payments, 30 and 180 days past due when all payments were made. You cant be reporting inaccurate information to the credit bureaus its a violation under the ****. I was never late. So please update my account with each credit bureau you are reporting to. I want  $2000 for violating my rights under the fcra Any further neglect to fix your errors will result in litigation. 

     

     

     

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


    Sincerely,

    ********** *****




     

    Business Response

    Date: 08/20/2025

    Dear ***********

    We recently received a dispute from you regarding certain information in your consumer report. As required by law, we have reviewed our account records and the information provided by you as part of your dispute. During our investigation, we determined that the information we reported to the consumer reporting agenc(ies) was accurate, and is reflecting accurately on your consumer report based on our records.

    For your reference, we have attached your account summary, which includes your outstanding balance, past payments, and active installments.

    Thank you for choosing Deferit. If you have any questions, you can contact our support team using our Help Desk.

    Customer Answer

    Date: 08/20/2025

    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

    All payments were made within time frame and with extensions that are possible through the app without penalty. With the information you provided it does not show any payments ******************** 30 days past due. So you are manipulating my credit reports with false late payments. You need to update my credit to show no late payments.

     

     

     

     

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


    Sincerely,

    ********** *****




     

    Business Response

    Date: 08/28/2025

    Hi ***********

    Thank you for your follow-up and for sharing additional details regarding your concern. We understand how important accurate credit reporting is, and we recognize how concerning it can be when something appears incorrect.

    At this time, we are continuing to actively investigate the matter you raised, including a detailed review of your account records 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 as soon as our review is complete.

    We greatly appreciate your patience while we complete this process and remain committed to resolving the matter thoroughly and promptly.

    Customer Answer

    Date: 08/29/2025

    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:

    Thank you for your response I look forward to settling this matter and will wait for further resolution.

     

     

     

     

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


    Sincerely,

    ********** *****




     

    Customer Answer

    Date: 09/18/2025

    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:

    Hi, I am still waiting on resolution from the company after they would contact me after their investigation. 

     

     

     

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


    Sincerely,

    ********** *****




     

    Business Response

    Date: 09/26/2025

    Dear ***********

    We recently received a dispute from you regarding certain information in your consumer report. As required by law, we have reviewed our account records and the information provided by you as part of your dispute. During our investigation, we determined that the information we reported to the consumer reporting agenc(ies) was accurate, and is reflecting accurately on your consumer report based on our records.

    For your reference, we have attached your account summary, which includes your outstanding balance, past payments, and active installments.

    Thank you for choosing Deferit. If you have any questions, you can contact our support team using our Help Desk at ***********************************************.
  • 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.
  • Initial Complaint

    Date:07/22/2025

    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.
    Company Name: DeferitComplaint/Review:I was charged $14.99 on July 19th by Deferit before I even had access to their service. I attempted to reach out to their customer support via email immediately after noticing the charge, but received no response ************* make matters worse, they have no accessible customer service phone number, which makes resolving issues extremely difficult. I find it unacceptable for a financial service to operate without responsive customer support, especially after taking payment without delivering any value or access.This feels like a predatory billing practice, and Im extremely disappointed with the lack of transparency and communication. Im requesting a full refund and asking others to be cautious before signing up.

    Business Response

    Date: 07/22/2025

    Hi ********

    Thank you for bringing this to our attention. We sincerely apologize for the delay in our response and truly appreciate the opportunity to make things right.

    Weve since replied to your email with the complete details addressing:
    1. Your account access and the $14.99 charge
    2. Outlined steps should you either decide to move forward with our services or otherwise

    Rest assured, were committed to resolving this promptly and ensuring your experience is handled with care. If you have any other questions or need further assistance, please don't hesitate to reply directly to our emailwere here to support you every step of the way.
  • Initial Complaint

    Date:07/22/2025

    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.
    On May 22nd, I set up a payment schedule with Deferit. They stated they would pay my ******* **** bill of $350.00. I made a down payment of $98.99. However, on May 28th, ******* **** disconnected my services for non-payment. I called ******* and explained that Deferit had paid the bill. ******* agreed to investigate. I also contacted Deferit by email, and they insisted they paid $350.00. After several emails, ******* completed its investigation and confirmed that Deferit never made the payment. Despite this, Deferit continued to withdraw money from me in the amount of $350.00, however my bill was never paid. I sent another email to Deferit last week, but received no response. This company took my $350.00 and never apologized. I am requesting a full refund from Deferit, as their practices are deceptive.

    Business Response

    Date: 07/23/2025

    Hi ******

    Thank you for bringing your concern to our attention; we appreciate the opportunity to sort this matter out to your satisfaction.

    Weve sent you an email with the full details, confirming that the $350-refund has been successfully processed on our end. This includes information about typical bank processing timeframes as to when you are to expect the funds to reflect on your respective account. Additionally, weve also attached copies of the refund receipts for your reference.

    We sincerely appreciate your patience while we worked through this matter. If you have any other questions or need further support, please dont hesitate to reply directly to our emailwere here to help and support you every step of the way!

    Customer Answer

    Date: 07/25/2025

    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:07/21/2025

    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 went into an agreement with this company, ( Deferit ) turns out it was a scam. The agreement was for this ( Deferit ) company to pay my bill ( for ******** ) and I make payments back to them ( Deferit ) Well they keep showing me pics of a fake check that my ****** ( ******** ) has never received. Deferit has charged my debit card 4 times for repayment and fees and what not but they have never fulfilled their end of the contract by paying ******** July 2, 2025. Ive sent numerous emails to Deferit about this matter ( they dont accept phone calls ) they keep sending me a pic of fake payment check that no one can track or find. So now they have stolen a lot of money from me and wont refund any of it or uphold their end of contract and pay ********.

    Business Response

    Date: 07/21/2025

    Hi *******,

    Thank you for bringing your concern to our attention; we appreciate the opportunity to make things right. We apologize for the inconvenience this has caused.

    Following a detailed review, we found that the check issued to your ****** was unfortunately delayed or may have been lost in transit. We understand how frustrating this situation must be and apologize for the disruption.

    To resolve the matter, weve sent you a direct email outlining the full details: including confirmation of the check cancellation, refund issuance, and next steps. While refunds are processed immediately on our end, the time it takes for the funds to appear in your account may vary depending on your bank. Weve also provided guidance to help avoid any issues should the original check be received and mistakenly processed.

    If theres anything further we can assist with, please dont hesitate to reply directly to our emailwere here to support you every step of the way.

    Customer Answer

    Date: 07/22/2025

    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:

    Yes I received your email. However the 3 charges you are referring to that are allegedly being refunded to my account are all for 0.00. So the charges are not valid as you charged me 3 separate transaction equaling 135. 00 + I have pics of this for proof. 

     

     

     

     

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


    Sincerely,

    ******* ********




     

    Business Response

    Date: 07/22/2025

    Hi *******,

    Thank you again for your continued engagement and for outlining the specific charges.

    As noted in our most recent reply to your email, weve likewise processed full refunds for all three charges you referenced. This includes the additional amounts of $40.99 and $14.99, bringing the total refunded to $136.96. Refund receipts were also attached for your reference.

    Should you have any other questions or concerns, please don't hesitate to let us knowwe're always here to help!

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