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:07/21/2025

  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 a contract with Deferit **** They did not provide me with the original contract as I requested

  

  Business Response

  Date: 07/23/2025

  Hi ******,
  
  Thank you for bringing your concerns to our attention. We understand how important it is to have clarity around credit obligations and are committed to addressing all inquiries with transparency and care.
  
  Weve completed a thorough review of the matter outlined in your complaint and have followed up with you directly via email. This includes a detailed explanation of our findings, along with relevant supporting information for your reference.
  
  We appreciate your patience throughout this process and hope the information provided brings clarity. If you have any further questions or need additional support, please dont hesitate to reach out to us at ***************************************************** here to help.
  

  Customer Answer

  Date: 07/24/2025

  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:

  This account is being inaccurately reported on my credit report.  

   

   

   

   

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

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

  Customer Answer

  Date: 08/01/2025

  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 am filing a formal complaint against Deferit **** located at *****************************************, regarding a tradeline they have reported on my Experian credit report.
  
  
  According to the Fair Credit Reporting Act (FCRA) and Metro 2 reporting guidelines, the following issues make the tradeline unverifiable and inaccurate:
  
  
  No original creditor is listed, violating standard reporting format.
  The account reports a future open date of July 13, 2024, which is impossible and in violation of accurate data reporting.
  The status is contradictory: the account is marked Closed but is also being reported as Collection account, $132 past due as of July 2025.
  The date of last payment is reported as Feb 20, 2025, which is also a future date and invalid.
  The account is incomplete, unverifiable, and misleading per 15 USC 1681s-2 and Metro 2 compliance.
  
  
  
  
  I request immediate deletion or correction of this account. If ******************** cannot provide verifiable and complete documentation showing accuracy, the tradeline must be deleted from all consumer reporting agencies per the *****
  
  
  I request BBB assistance in resolving this matter.
  
  
  Sincerely,
  ****** ** ********
  ***********************************
  ************

  
  

   

   

   

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

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

  

  Business Response

  Date: 08/11/2025

  Dear ******,
  
  We have received your dispute regarding the accuracy of your account information. First and foremost, we want to clarify that Deferit is not a debt collector as defined under the Fair Debt Collection Practices Act (FDCPA). We are the original creditor with whom you have an outstanding balance. As such, our communications with you are in the capacity of the original creditor.
  
  As required under the Fair Credit Reporting Act (FCRA), we have conducted an investigation into your claim.
  After reviewing our records and verifying the details, we have determined that:
  
  the debt is accurate as reported.
  
  
  For your reference, we have attached your account summary, which includes your outstanding balance and past payments.
  
  Additionally, when you signed up for your account, you agreed to the Terms and Conditions, which outline your financial obligations, including repayment terms. You can access the Terms and Conditions online at: *******************************************.
  
  If you have any further questions or need additional information, please do not hesitate to contact us at ***********************************************************************.
  
  Attachments:
  Account Summary
  
  Sincerely,
  Customer Care Team
  ********************

• Initial Complaint

  Date:07/16/2025

  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 a contract with deferit. They did not provide me with the original contract.

  

  Business Response

  Date: 07/23/2025

  Hi *********,
  
  Thank you for bringing your concerns to our attention; we understand how important accurate credit reporting is and are committed to addressing inquiries with diligence and transparency.
  
  Weve completed a thorough review of the matter outlined in your complaint and have followed up with you directly via email with a detailed explanation and supporting documentation for your reference.
  
  We sincerely appreciate your continued patience and understanding throughout this process. Should you have any questions or need additional information in the meantime, please don't hesitate to email us at ***************************************************'re here to help!

  Customer Answer

  Date: 07/23/2025

  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 do not have a current balance the

   Deferit ************ It's an optional feature that I never agreed nor ask for I am not responsible for that debt.

   

   

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

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

  

  Business Response

  Date: 07/31/2025

  Hi *********,
  
  Thank you for your continued engagement. Wed like to clarify that no activity related to our ************ feature, whether settled or unsettled, is ever reported to the credit bureaus. Rest assured; this feature has no impact on your credit report.
  
  With regard to the negotiation completed through **** Savings, it resulted in a $55/month reduction to your internet bill over a 12-month period while keeping your services unchanged and without requiring a new contract. Full details of the negotiation, including confirmation and billing adjustments, were shared with you directly via email, along with your account summary and supporting documentation.
  
  For added transparency, we also provided references to our [Bill *********** Terms and Conditions (Clause 15)] and pricing overview.
  
  We appreciate your time and understanding. Should you have any further questions or need additional clarification, please dont hesitate to reach outwere here to support you every step of the way.

• Initial Complaint

  Date:07/09/2025

  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.

  Im not sure how its legal to not have a customer service line especially if youre a financial company. I was eager to set my account up and paid the member ship of $14.99 and set up my first bill of $148 and did everything I was supposed to do. But ******* never received the payment. My phone has been cut off. I sent an email and find it insane that I have to wait up 2 days before I can hear back to someone I spent $79.00 for the first payment and now I am out of that money with no help. The app itself is not good enough either. If I cant call at least make the app better. I received one confirmation stating my payment was pending. but no receipt was given once the card was charged. The app doesnt even have a payment status so we know if its been paid.

  

  Business Response

  Date: 07/10/2025

  Hi *******,
  
  Thank you for bringing your concern to our attention; we truly appreciate the opportunity to make things right.
  
  Weve sent you a follow-up email confirming that your payment was successfully processed. This includes your confirmation number and next steps to help ensure your ****** reflects the payment promptly.
  
  Please be assured that your feedback is valuable to us and that it will be shared internally with our product team as part of our commitment to improving your Deferit experience. We appreciate your continued patience and understanding.
  
  If you have any further questions or need additional support, feel free to reply directly to our emailwere here to support you every step of the way!

• Initial Complaint

  Date:07/08/2025

  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.

  The company stated they paid my bill but there is no evidence showing this happened. I am making payments to them for the bill payment. I have reached out and have been given the run around when trying to resolve the issue. My internet was disconnected and I still had to pay the bill as well as the payments to Deferit.

  

  Business Response

  Date: 07/10/2025

  Hi *******,
  
  Thank you for bringing this to our attention; we sincerely appreciate the opportunity to make things right.
  
  Weve followed up via email with the complete details, including confirmation that your refund has been successfully processed, along with the receipts for your records. We understand how concerning this situation must have been, especially with the disruption to your internet service, and we sincerely apologize for any inconvenience caused.
  
  Rest assured that we're always committed to resolving your concerns fully to your satisfaction so if theres anything further you need assistance with, please dont hesitate to reply directly to our emailwere here to support you every step of the way.
  

• Initial Complaint

  Date:07/07/2025

  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 had Deferit for a couple bills. My account went bad due to some personal issues I had going on and they locked me out. I've been cleaning my credit up and made sure to clear their account up too but when I went to ask them to clear it on my credit so the account could show in good standing they have not, even after everything has been cleared. I just need them to remove negative remarks off my credit.

  

  Business Response

  Date: 07/17/2025

  Hi ********,
  
  Thank you for bringing this matter to our attention. We understand how important accurate credit reporting is, especially as you're working to rebuild your credit; we value the opportunity to address your concerns to your satisfaction.
  
  We're currently reviewing your account internally, including your request for confirmation that it is in good standing. Rest assured that we'll follow up with you directly via email as we work toward a resolution.
  
  We appreciate your patience and understanding throughout this process. If you have any additional questions in the meantime, please dont hesitate to let us knowwere committed to supporting you every step of the way!

  Customer Answer

  Date: 07/18/2025

  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 as long as they keep to their word and the matter has been resolved.
  
  Sincerely,
  
  ******** ******
  
  
  
   
  
  

• Initial Complaint

  Date:07/07/2025

  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 believe this account has been assigned to me in error, as I am not liable for the debt in question.I have no contractual obligation with DEFERIT *** and have never received any documentation to substantiate the validity of this debt, despite my formal requests for verification. I specifically asked to review the original application or contract related to this alleged debt. Since DEFERIT *** has been unable to provide this documentation, I assert that the debt is not mine and should not be associated with my records.I kindly request the removal of this erroneous collection from my account and an acknowledgment of this resolution in writing. Thank you for your attention to this matter.

  

  Business Response

  Date: 07/07/2025

  Hi *****,
  
  Thank you for bringing this matter to our attention. Please be assured that we take concerns like yours very seriously and are committed to resolving them promptly and fairly.
  
  Weve sent you an email outlining the steps required to move forward with a comprehensive review of your claim. This includes instructions on how to securely verify your identity, which is a necessary part of our process to ensure were engaging with the correct party.
  
  Additionally, weve requested any supporting documentation you may have (e.g. previous correspondence, reference numbers, or other relevant materials) to help us validate your claim and complete our investigation accurately.
  
  We appreciate your cooperation and look forward to your response so we can work toward a timely resolution. If you have any questions or need further assistance, please dont hesitate to reply directly to our emailwere eager to help and are here to support you every step of the way.

• Initial Complaint

  Date:07/01/2025

  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 am filing this BBB complaint against Deferit, *** for reporting inaccurate, inconsistent, and conflicting information across all three credit bureaus, which is damaging my credit and violating federal law. The reporting on this account is full of contradictions that show Deferit has not taken proper care to report accurately or lawfully.********** and Experian list the high credit amount as $150, while ******* reports $600 a 300% inflation with no explanation. The credit limit is shown as $600 on ********** and Experian, but $0 on Equifax, which misrepresents my credit utilization ratio and unfairly hurts my score.The same $100 balance is listed on all three, yet the status is different: Equifax says 120 Days Late, while the others show Charge-Off. In addition, **********/Experian list Placed for Collection, while ******* calls it a Collection Account. These conflicting entries violate FCRA 1681e(b) which requires maximum possible accuracy and indicate no proper reinvestigation was done as required under 1681i(a).Deferit has not responded to prior disputes, nor have they corrected these false entries, violating 1681s-2(b). The absence of consistent data across bureaus also breaches 609(a)(1).I demand the following within 4 days:My original signed application Complete billing and payment records All collection notices Proof of valid debt assignment Any internal notes or responses to my disputes You must either provide documentation or delete this account from all credit bureaus. If not, I will escalate to the ***** FTC, and explore legal action. Deferit is now liable for $3,000+ in damages under **** for reckless disregard of accurate credit reporting

  

  Business Response

  Date: 07/11/2025

  Hi ******
  
  Thank you for bringing this matter to our attention. We take concerns related to credit reporting very seriously and appreciate the opportunity to review yours thoroughly.
  
  We're currently conducting an internal review of your account, including the reporting details you've outlined. Please be assured that well follow up with you directly via email with regard to addressing your concerns to your satisfaction.
  
  We sincerely appreciate your continued patience and understanding throughout this process. Should you have any questions or need additional information in the meantime, please don't hesitate to email us at ***************************************************'re here to help!

• Initial Complaint

  Date:06/10/2025

  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.

  May 9th I contacted deferit to help get my water bill paid and turned back on. They had me upload the bill and a day or two later emailed me that the check to The City of Sapulpa had been sent for $300. I have since sent them 2 payments of $75 to repay. I was emailed a payment schedule which had 2 membership fees of $14.99. The check supposedly got lost in the mail. The City of Sapulpa hasn't been paid yet and deferit attempted to charge my card $19.99 for the membership fee which I didn't have in my account. I had $15 to cover the fee. Because of the membership fee, deferit has locked my account and I can't reupload the bill which i was advised to because they said they had to stop payment on the check. I haven't gotten a refund for the $150 I've sent them. The only way I have to contact them is email. They don't list a phone number.

  

  Business Response

  Date: 06/10/2025

  Hi ******,
  
  Thank you for bringing your concern to our attention; we sincerely appreciate the opportunity to make things right.
  
  We've replied directly via email with the complete details to confirm that the check payment to your utility provider has been sorted out, with the payment being successfully refunded on our end. Weve also provided a detailed explanation of the situation with the subscription and the next steps to ensure your membership reflects the correct plan moving forward.
  
  We're glad to have been able to address all your concerns to your satisfaction. Should you have any other questions or need further assistance, please don't hesitate to reply directly to our emailwere committed to supporting you every step of the way!

  Customer Answer

  Date: 06/11/2025

  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:05/29/2025

  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.

  On 5/28 at 4:11 PM I received an email from ******** Internet confirming changes to my account. I found this odd as I had not made any changes and the email said I had cancelled my services and reinstated them which was alarming. I checked my account and all of my services were the same but I also received two separate emails from Deferit shortly after now I want to preface this with the fact I have used Deferit without issue in the past but the first email claimed they were negotiating bill savings for me. I did not consent to or request this service. The second email was a bill for $239.88 split up into roughly $30 installments and touted the savings I had earned on my Internet bill due to their successful negotiation. The irony is my bill is exactly the same and still the same amount it has been the last year. I find this shady and maybe Im overreacting and this was a clerical error but sending me a bill for over $200 for a service I did not request or sign up for is crazy.

  

  Business Response

  Date: 05/29/2025

  Hi ******,
  
  Thank you for bringing this to our attention; we truly appreciate the opportunity to make this right.
  
  Weve carefully reviewed your case and followed up with you via email with the complete details explaining what occurred and outlining the resolution. Were committed to ensuring your concerns are fully addressed to your satisfaction and that your experience with us moving forward remains a positive one.
  
  If you have any questions or need further assistance, please dont hesitate to reply directly to our emailwere committed to supporting you every step of the way.

  Customer Answer

  Date: 06/03/2025

  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:05/27/2025

  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.

  They tried to take a payment out for my *********** bill, but my card had been changed through my bank when they sent me an email.I immediately went in and changed the card and also tried to contact them. I sent multiple emails. I was never responded to no one ever reached back to me But they are still sending texting emails saying that my overdue payment needs to be paid well I have updated my card yet. They still have not taken the payment out. I do not want my account to be messed up because of this. My account has been locked as a result of this and I need to be unlocked and I need the bill to be paid and I need help with this issue as soon as possible. No one ever calls me back and I need help.

  

  Business Response

  Date: 05/27/2025

  Hi ******,
  
  Thank you for bringing your concern to our attention; we truly appreciate the opportunity to make this right.
  
  Weve thoroughly reviewed your case and followed up with a detailed email confirming that everything has been fully resolved. Were committed to ensuring a smooth and transparent experience, and weve already provided you with the complete resolution and confirmation.
  
  Your feedback is invaluable in helping us improve communication and payment transparency. Please rest assured that were always working to provide a smoother, more reliable experience for our customers.
  
  If theres anything more we can assist you with, please dont hesitate to reply directly to our emailwe're committed to supporting you every step of the way!