Business Profile
Financial Technology
Deferit, Inc.This business is NOT BBB Accredited.
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Complaints
Customer Complaints Summary
- 136 total complaints in the last 3 years.
- 80 complaints closed in the last 12 months.
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Submit a ComplaintThe 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:02/26/2024
Type:Product IssuesStatus: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.
This company keeps trying to charge my card after membership was canceled. I signed up on 12/26/23 and changed my mind after seeing the fees that they charge for their services. I canceled without using their service on 12/29/2023. I received an email saying that they had high volume of request and could not complete my request at the time. On 12/30/2023 I received an email from ******** saying sorry to see you go but still didn't cancel my subscription. They tried to take money out my account but my card was locked. I sent another email on 01/06/2024 asking them to cancel again. I received nothing but generic emails from ********, **********. This company should be investigated and closed because their business practice is not right. Every month they are trying to charge me a fee that I do not owe.Business Response
Date: 03/28/2024
We've sent the customer an email confirming that their account has been refunded and deactivated. We've also requested additional information from the customer if there are any other discrepancies or issues that need addressing.Initial Complaint
Date:02/13/2024
Type:Product IssuesStatus: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 led me to believe they would pay my phone bill for me and I would pay them back in 4 payments. Well they took the full bill amount of $200 out of my account and when I asked about it, they said I didn't qualify for their program. So I asked why did they take the funds from me and ******** returned the $200 back to them on 1/25/24. I have sent messages and a screenshot of my ******* account still showing due for $200. No proof of ID, ssn, picture of myself or card was needed to sign up for the program but they are now saying they can't refund me without it. I asked over a week ago why it was needed for the refund when it wasnt needed to withdraw funds and I have gotten no response. But they keep sending me advertisements. I just want back my $200 and I never have to deal with them againBusiness Response
Date: 04/05/2024
We sent a follow-up email to the customer and provided a refund after confirming the returned payment.Initial Complaint
Date:02/09/2024
Type:Billing IssuesStatus: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.
Paid ***** and they barely respond and no bill was paid i want be refunded my ***** and close my accountBusiness Response
Date: 03/28/2024
We sent the customer a follow-up email explaining why we couldn't pay their bill due to missing information and we've refunded their account.Initial Complaint
Date:02/08/2024
Type:Service or Repair IssuesStatus: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.
It has been over a month and I have diligently tried to make contact with this company to resolve an apparent lock on my account. There was a lock placed before and was resolved in three business days. I was never informed of why but the customer service hero wanted to verify my identity. A week later I went to my app to make a payment and realized my account was locked again. This prevents any activity even payments. I sent an email with my license and a photo as previously requested to all of my contacts at deferit sure this was an error that would soon be fixed. To date, I have sent numerous emails, created multiple help tickers and tried to reach out by phone. All of my emails are being ignored and my help tickets are being read and closed without assistance. Because of this negligence, my account is now 31 days past due for a payment I have been trying to settle. The company is deliberately not fixing the issue preventing me from satisfy my account despite my exhausting all efforts and resources available to me. This company reports to the 3 major credit bureaus and reporting delinquencies that are intentionally caused by the company is a fraudulent misrepresentation. I have tried to settle my outstanding payments and can not due to the freeze on my account. It is my hope to settle any balances with this company and sever ties never using them again. There is no address to make payments and no legitimate number to speak to someone so help tickets and emails have been my only option and are being ignored intentionally despite the commenting able to verify my account or respond with what is needed so that I can make payments.Customer Answer
Date: 03/04/2024
Better Business Bureau:
At this time, I have not been contacted by Deferit, Inc. regarding complaint ID ********.
Sincerely,
*********************************Business Response
Date: 04/04/2024
We emailed the customer to confirm that we submitted the credit report revision on February 29th. Additionally, we asked them to provide more details about their payment challenges so we can look into the issue further.Customer Answer
Date: 04/05/2024
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. Please ensure that my account is not locked further from making my payments and as stated, please feel free to extend my current arrangement.
Sincerely,
*********************************
Initial Complaint
Date:01/26/2024
Type:Order IssuesStatus: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 download the app I was under the intention if I paid the $14.99 I was able to use the paying for to pay bills. I tried to upload the bill it said I wasn't eligible so I immediately canceled probably 5 minutes on the website I would like my $14.99 back since I was deceived of getting my bills paidBusiness Response
Date: 04/05/2024
We refunded the customer for the membership fee in February and have since followed up to ensure everything is sorted out on their account.Initial Complaint
Date:01/23/2024
Type:Sales and Advertising IssuesStatus: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 started a booking payment with this company. I got behind on payments Ave wanted to get caught up. The company sent me an email about my account possibly going to collections if I dont make a payment but they wont respond to numerous emails and messages on ******** that I have sent about setting up a payment for when I get my direct deposit on 1/24/24.Business Response
Date: 04/05/2024
We reached out to the customer on February 12th to provide an update on their account status. In our latest follow-up, we've informed them about the current state of their account. Additionally, we asked if they are encountering any further challenges with making payments that we can assist with.Initial Complaint
Date:01/19/2024
Type:Service or Repair IssuesStatus: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.
So on January 19th I signed up for their website and paid the monthly fee of $14.99. They initially said I was approved for $500 but then only provided me a $200 balance. I attempted to have them pay my car insurance bill, which is $261, but it was only after submitting the bill that they changed my balance to $200. Then during submitting the bill I approved to pay $70 which includes the security deposit for the installment payment. Money doesn't immediately come out. After the bill "proccesses" they ask for a firsr payment of $170.00 which is asinine. If I had that much I would pay my car insurance myself. And to completely change up the deal after it "processed" felt like a joke to **** canceled my account ASAP. I want my $14.99 payment refunded ASAP or else I'm disputed the charges. Company was of no help and kepr switching up its terms.Business Response
Date: 04/05/2024
We refunded the customer's membership fee and provided a followed up email to explain our billing process and offer further assistance.Initial Complaint
Date:01/16/2024
Type:Service or Repair IssuesStatus: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 trying to make 2 late payment outstanding on the account but the option is removed and states to contact them. I have sent 3 messages with no response of how I can pay the balance and this has been reported to ************* as late payment which has erected my credit score.Business Response
Date: 04/05/2024
The customer's account is currently up to date, with no outstanding payments. Additionally, a follow-up email has been sent to the customer to ensure that any outstanding issues or concerns regarding their account are addressed and resolved promptly.Initial Complaint
Date:01/16/2024
Type:Billing IssuesStatus: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.
Checking my credit report Ive noticed an unfamiliar account that is reporting late. I have never used this service! I have never signed up for this service! I am requesting this account be removed from my credit report. Immediately! There is an alert on my file that all accounts call and verify for my identify which this company has never done. Identity report attached. I do not give this company permission to call, text, mail or email me. All communication is to be handled through this complaint.,Business Response
Date: 04/05/2024
On February 8th, we followed up with the customer and investigated their account. We confirmed it was fraudulent and took action by closing the account and removing the Credit report.Initial Complaint
Date:01/08/2024
Type:Billing IssuesStatus: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.
Date: Mon, Jan 1, **** at 11:10 p.m.Amount: $14.99 Business Committed: 4 Payment Options to pay my bills NATURE OF THE DISPUTE: FIRST, The 4 payment Option was NOT available to use. The OPTION was LOCKED. The only option available for immediate use was something called "Build your credit" I don't need or want this service that only reports if you pay your bill. I wanted the 4 payment service that was advertised to me that I signed up for but it was locked and unavailable.SECONDLY, due to the false advertisement, I immediately canceled my membership. As a result, they immediately removed my access to utilizing the account for any services for the month of ******** I am fine with that b/c they are not offering the service I paid for, HOWEVER, Deferit did not refund the fee of $14.99 I paid for ********BUSINESS ATTEMPT TO RESOLVE:No attempt by Deferit to resolve the matter, mainly automated replies about how busy they are right now. I sent this business at least 3 different emails via their website, and the one time a **************** representative responded, she didn't address the issue about my refund. She sent an email mainly discussing their service. It seems like an automated response without the person even reading my complaint.ACCOUNT/ORDER/TRACKING NUMBER:The associated email address is ******************** THE ADVERTISEMENT:The advertisement was originally found on ****** as well as their website and facebook.SUMMARY./One of the Emails Sent to Deferit:To Whom It May ********* was advertised the Pay in 4 Feature soI joined themembership touse this payment method. I gave you my Social Security number, and in fairness, you should have let me know before I made the payment that I would not have access to the Pay in 4 Feature immediately. It should have been disclosed that I needed to use Credit Builder FIRST. I canceled the membership within minutes, and I want to make sure that I am being refunded the $14.99 fee for ********Customer Answer
Date: 02/01/2024
Better Business Bureau:
At this time, my complaint, ID ******** regarding Deferit, Inc. has been resolved. I was refunded the membership fee.(By clicking "OK", your complaint will be closed as Resolved.)
Sincerely,
***************
Deferit, Inc. is NOT a BBB Accredited Business.
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