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:04/09/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with charter communication. I do not have a contract with Deferit they did not provide me with the original contract as I requested.

  Business Response

  Date: 04/16/2025

  Hi **********
  
  Thank you for sharing your concerns regarding the account reported to your credit file. We understand how sensitive credit reporting matters can be and appreciate the opportunity to provide clarification.
  
  We first heard from you on April 10, 2023, via an email sent from your ************************* email, which is not linked to your Deferit account. In your message, you mentioned issues making a payment and asked whether paying your balance with TrueAccord would reactivate your Deferit account. We replied on April 12, 2023, to confirm the correct account details and requested a response to proceedbut we have not received a reply since.
  
  We have conducted a thorough review of the matter outlined in your complaint, and we have sent you detailed response via email. This includes key findings from our assessment and relevant information regarding your inquiry. We also shared a direct link to the Terms and Conditions you accepted upon signup, which outline the payment responsibilities associated with your account. For your convenience, that link is: ******************************************* . We encourage you to review it at your earliest convenience.
  
  Should you require any further clarification or have additional questions, please do not hesitate to reply to our emailwe are here to ensure you have the information you need and are here support you every step of the way!

• Initial Complaint

  Date:04/08/2025

  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 inform you that a fraudulent account has been opened in my name with Deferit. 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 Name: Deferit Opened Date: 4/4/2024 Account Number: ******************High Credit: $300.00 I kindly request that you close this account immediately and remove any negative information associated with it from my credit report. Furthermore, I would appreciate it if you could provide confirmation of the account's closure along with any relevant documentation regarding the fraudulent activity.Thank you for your prompt attention to this matter.

  Business Response

  Date: 04/15/2025

  Hi ******,
  
  Thank you for bringing this matter to our attention. We understand how stressful identity theft can be and are committed to supporting you with transparency and care.
  
  Weve reviewed the details of your complaint and sent a follow-up via email outlining the next steps and required documentation to move forward with your claim.
  
  Please take a moment to review our message. If you have any questions or need further assistance, feel free to reply to our emailwere here to help and will continue working with you to resolve this matter as quickly as possible.

• Initial Complaint

  Date:04/01/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been attempting to update payment information and pay on my account for months. Card is only payment method allowed on their site. No card that I add will allow payment to be made. They continually tell me to check with my bank. There are no restrictions on my card with my bank. I cannot add other credit card because the site locks my account after multiple attempts. There is an entirely too lengthy process to unlock the account each time this happens. I want to add a cards info and pay what I owe.

  Business Response

  Date: 04/03/2025

  Hi ***,
  
  Thank you for bringing this matter to our attention. We understand how frustrating payment processing difficulties can be, and we appreciate the opportunity to assist you.
  
  After reviewing your concerns, weve taken steps to ensure your account remains in good standing. Weve also addressed the challenges you experienced with card verification and account access and provided guidance on successfully processing future payments. Additionally, we applied a courtesy adjustment to your account in light of the difficulties you encountered.
  
  Weve sent you a detailed email outlining the resolution, including which payment method has been successfully processed and recommendations for moving forward. Please review it at your convenience, and dont hesitate to reply to our email if you need any further assistancewere here to support you every step of the way!
  
  We truly appreciate your patience and understanding throughout this process and remain committed to ensuring a smooth experience for you moving forward.
  

  Customer Answer

  Date: 06/09/2025

  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:

   

  I have been attempting again numerous times to make a payment on the companys platform. It will not accept any card and they dont add payment for me. They are unable to resolve and have sent my account to collections. I want the account out of collections, no derogatory marks on my record and to be able to make my payment and have my account in good standing. It should not be this hard to make a payment for a bill. They continually do not provide resolution or proper assistance.

   

  *** ****

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

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

   

   

  
  

  Business Response

  Date: 06/10/2025

  Hi *****,
  
  Thank you for bringing this to our attention; we appreciate the opportunity to make things right.
  
  We've since replied to you via email, detailing the steps we've taken to ensure your account is no longer with the collections agency, lifted the resulting restriction preventing payment, and provided additional flexibility to help bring your account into good standing. We're committed to ensure everything is fully resolved to your satisfaction.
  
  If you have any other questions or need further assistance, please don't hesitate to reply directly to our emailwere eager to help and support you throughout your financial journey with us!
  

• Initial Complaint

  Date:03/26/2025

  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.

  Business Response

  Date: 04/02/2025

  Hi ********,
  
  Thank you for bringing your concerns to our attention. We recognize the importance of accurate credit reporting and remain committed to addressing any inquiries with diligence and transparency.
  
  We have conducted a thorough review of the matter outlined in your complaint, and we have provided a detailed response via email. This correspondence includes key findings from our assessment and relevant information regarding your inquiry. We encourage you to review it at your earliest convenience.
  
  Should you require any further clarification or have additional questions, please do not hesitate to reply to our emailwe are here to ensure you have the information you need and are here support you every step of the way!
  

• Initial Complaint

  Date:03/10/2025

  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.

  Please do not trust this company. I submitted my electricity bill for them to pay 600 dollars by the 3rd of March I set up a payment plan and made my 1st installment payment of 320 dollars. Well me thinking it was taken care of my lights were cut off on the 4th. So I had borrow some money to get my lights turned back on. Tried contacting them for a refund but to no avail. ************..

  Business Response

  Date: 03/11/2025

  Hi ******,
  
  Thank you for bringing this matter to our attention; we appreciate the opportunity to get this sorted out for you.
  
  We pay the bill by means that are available with your ******. If the payment requires log-in of confidential and sensitive information, we will seek your approval before opting for a check payment. We've sent you an email with the successful payment details for your reference.
  
  Thank you for your patience and understanding. If you have any questions or need further assistance, please don't hesitate to reply to our emailwe're here to support you every step of the way and look forward to your soonest response!

• Initial Complaint

  Date:03/10/2025

  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 am writing to formally dispute the reporting of a Deferit **** account on my credit report. This dispute is made under my rights granted by the Fair Credit Reporting Act (****), 15 U.S.C. 1681 et seq. The account in question is:Creditor Name: Deferit *** Account Number: ****** Date Reported: 10/31/2024 Upon reviewing my credit report, I have identified significant errors in the reporting of this account that constitute violations of the ****. Specifically:1.Inaccurate Balance Reporting on a Charged-Off Account Under the ****, once an account is charged off, it should not reflect a past due amount because the debt is no longer actively delinquent but written off as a loss by the creditor. Reporting a past due balance on a charged-off account is misleading and violates 15 U.S.C. 1681s-2(a)(1)(B), which prohibits furnishers from reporting information that they know or have reasonable cause to believe is inaccurate.2.Potential Violation of FCRA 1681s-2(b) Failure to Properly Investigate If this account has been previously disputed and remains inaccurately reported, Discover Card and the credit bureau may be in violation of 15 U.S.C. 1681s-2(b) by failing to conduct a proper investigation and correct or delete unverifiable information.3.Misrepresentation of Account Status By reporting both a charge-off and a past due balance, this account is being misleadingly presented to potential creditors, which may be a violation of 15 U.S.C. 1681e(b), requiring credit reporting agencies to maintain maximum possible accuracy.Given these inaccuracies, I am formally requesting that this account be deleted from all credit bureaus.

  Business Response

  Date: 03/24/2025

  Hi *******,
  
  Thank you for reaching out and bringing this matter to our attention; we truly appreciate the opportunity to assist you in resolving this issue.
  
  Please be assured that we have escalated your case to the appropriate team for further review and action. We understand the importance of accurate information on your credit report and want to ensure your concerns are addressed promptly and thoroughly.
  
  Our back-office team is thoroughly reviewing all the details, and we are committed to taking the necessary steps to resolve it to your satisfaction. We will keep you informed throughout the process and will notify you via email as soon as we have update.
  
  Thank you for your patience and understanding. We sincerely appreciate your patience and understanding as we work to resolve this matter. Should you have any questions or require additional assistance in the meantime, please do not hesitate to reply to our emailwe're committed to supporting you every step of the way!

• Initial Complaint

  Date:03/04/2025

  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.

  I cancelled my subscription to Deferit on 1/9/25 and have email confirmation of this, and I have no outstanding balances with them. On 3/1/25 I was charged for a membership fee when I did not reactivate my subscription. I immediately contacted Deferit on 3/1/24 after noticing the charge and to communicate the issue, and cancelled the subscription that I did not reactivate. I asked them to fully close my account and refund the money. I received a generic response stating well take care of this for you but did not receive any confirmation of receiving a refund. But can see that the subscription is no longer active as of today 3/4/25. I just want my money back.

  Business Response

  Date: 03/05/2025

  Hi *****,
  
  Thank you for bringing your concern to our attention; we appreciate the opportunity to get this sorted out for you.
  
  We are pleased to confirm that we have successfully processed the full refund and have sent you an email with the full details for your reference.
  
  Thank you for your utmost patience and understanding. If you have any questions or need further assistance, please feel free to reply to our emailwe're here to support you every step of the way!

  Customer Answer

  Date: 03/06/2025

  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:03/04/2025

  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 recently reviewed my credit report and found the following error. I am a victim of identity theft and am disputing the following account that does not belong to me:DEFERIT (Opened: 6/20/2024, Account Number: ***********************)This account was opened without my knowledge or consent. I have filed a complaint with ***************** regarding this matter, and I have enclosed a copy of the complaint for your reference.I respectfully request that this fraudulent account be removed from my credit report and that the necessary steps be taken to prevent further unauthorized activity under my name. I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue.

  Business Response

  Date: 03/05/2025

  Hi ********,
  
  Thank you for bringing your concern to our attention; we appreciate the opportunity to get this sorted out for you.
  
  Please know that we take identity fraud cases very seriously and are committed to resolving this issue to your satisfaction as quickly as possible. Unfortunately, we are unable to send you an email to your ******************************** address with the detailed steps for resolving the issue due to an error we're encountering. We kindly request that you send us an email at ****************************** instead, and we'll assist you right away.
  
  On your email, you may proceed with including the police report documenting the identity theft or online scam. This report will help us thoroughly investigate the fraudulent activity and take the appropriate steps to protect your information from further unauthorized use. Once you have obtained the police report, please send a copy to us so we can proceed with the next steps.
  
  Your patience and understanding throughout the process are truly valued. If you have any questions or need further assistance, please don't hesitate to let us knowwe're here to support you every step of the way and look forward to your soonest response via email.
  

• Initial Complaint

  Date:02/27/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My deferit account open in Nov 2024 where i made payments in app. On my credit report my account shows as past due for february 2025 but nothing for january and fully paid in november and december. The balance owed shows updated as $87 on Feb. 29th 2025.Deferit than reported again on Feb. 20th, 2025 that my balance was accurate, and still ONLY 30 days late. The account shows as open on my file. Not collections not a charge off. Just an open past due balance of $87 that is 30 days late as of Feb. 2025 ONLY on my Experian. Equifax shows it was fully paid on time Nov, dec, and Jan. transunion shows only one ontime payment for december and no recordings for November january or February. Nothing reported for Jan. on my Experian.The next day on Feb. 21st, 2025 i made a payment to fully pay my account at 2:28 am by logging into my deferit account. The payment was posted. No balance owed. Yet, on Feb. 22nd 2025, Deferit flagged my transunion as 30 days past due.I contacted support via email to ask why deferit reported twice to my credit. Once on feb. 20th & the day AFTER i made a full payment, feb. 22nd to flag my account as 30 days past due.I was replied to by ****** ******* who explained my payment was posted on feb. 21st & my credit will be updated at the end of the month. I asked if this is so why did deferit, on the 22nd update transuion as past due before "the end of the month". ****** told me to pay the memership fee to continue using deferit. She then proceeded to tell me i made my payment through indebted in Dec. 2024 & my account was in collections. My account was NOT past due in Dec. so that is false. She stated my account was sent to collections feb. 10th, as you can see it shows as open on my credit reports not collections. All payments were made directly to DEFERIT.DEFERIT has falsely claimed my account was past due and in collections starting december. inaccurately reported on my credit as well. credit limit was not $300 either.

  Business Response

  Date: 03/04/2025

  Hi ********
  
  We sincerely apologize for any confusion or inconvenience this may have caused. Thank you for bringing this matter to our attention; we appreciate the opportunity to get this sorted out for you.
  
  Weve sent you an email confirming that your balance with us is $0, and we've also recalled the credit report with InDebted.
  
  Additionally, weve taken care of your February subscription, making your account fully up-to-date and ready for use.
  
  Your patience and understanding are truly valued. If you have any questions or need further assistance, please feel free to reply to our email containing the complete detailswe're here to support you every step of the way!

• Initial Complaint

  Date:02/18/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Deferit claims to pay bills for customers. However it never paid Xfinity which Xfinity confirmed. I ended making the payments on defies and Xfinity ! And then Deferit refuses to acknowledge this. Charge me a fee. And reports to credit bureau!!

  Business Response

  Date: 02/18/2025

  Hi *******,
  
  Thank you bringing this matter to our attention; we value the opportunity to sort this out for you. We understand how important utility bills are, especially with your Xfinity bill, and we deeply regret any inconvenience this may have caused.
  
  We have sent you an email with the next steps to ensure that your double payment is resolved promptly while your services remain active. Rest assured; we are committed to preventing this from happening again.
  
  Your patience and understanding throughout this process mean a lot to us. If you have any questions or need further assistance, please don't hesitate to reply to our emailwe're here to help and support you every step of the way!