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:10/22/2025

  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 used deferit to pay a bill in 4. I finished paying the bill, thought it was convenient so I paid the same reoccurring bill using the pay in 4. It is set up in auto pay with my bank DEBIT card. I received a notice from them that my card was flagged as "high fraud". I had used a virtual DEBIT card from my bank account so I replaced it with the actual card number. (I have paid off on pay in 4 already and owe 3 payments on the second pay in 4). They reached to me again saying my account was still locked. Iuse that virtual card on all my online payments and never have an issue, and other online businesses are still using the virtual card as a form of payment. My physical debit card is active. I tried to call but there is no phone number. So I emailed them. They emailed me back to send over unencrypted email a photo of my ID and a photo of my bank card with the last 4 digits showing. No. That is not secure at all. I contact my bank who confirmed my card is absolutely fine. I emailed I was uncomfortable doing that to please open the portal and I would pay in full. They replied again asking for the photo of my ID and my card with last four digits to be EMAIL. I again declined and told them to open the portal so I can pay in full. a THIRD time they replied for me to send my legal name, birthdate, and social security last 4 digits. NO - a scammer could use that for a lot of fun. No way I am sending that on unencrypted email. I WANT TO PAY IN FULL AND CLOSE THE ACCOUNT!!! This is highly irregular.

  

  Business Response

  Date: 10/23/2025

  Hi *********,
  
  We understand your concerns and appreciate the opportunity to provide further clarity.
  
  As outlined in our previous correspondence, your account was automatically locked by our banking networks security systems. These measures are designed to safeguard your financial information whenever irregular activity or data inconsistencies are detected. This process is fully automated and not a manual action taken on our end.
  
  To securely verify account ownership and restore access, we requested limited identifying information. This is a standard verification step used across financial services to ensure account access is granted only to the authorized individual. Please be assured that all information shared with Deferit is handled in strict accordance with our privacy and data protection protocols.
  
  Once verification is complete, we will promptly unlock your account and proceed based on your preference. Should you have any other questions or require further assistance, please don't hesitate to reach out directlywe're here to help.

• Initial Complaint

  Date:10/21/2025

  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.

  they are billing me ***** then ***** then *****, my bank said the company keeps using different names to charge my account. i do not owe them, i got a new card and they have fradunetly received my new card , their site does not allow you to remove your card or cancel the membership. only email and i have emailed them and i'm sick of this fraudently company

  

  Business Response

  Date: 10/22/2025

  Hi *******,
  
  Thank you for bringing this to our attention. Weve completed a full review of your account and confirmed that all subscription fees incurred during your hardship payment plan have been refundedspecifically for May 2025, June 2025, July 2025, August 2025, and October 2025.
  
  Refunds were issued immediately on our end, and while most banks post funds within 23 business days, in some cases it may take up to 10 business days to reflect. The September 2025 subscription charge is currently under your banks dispute process, and its timeline will depend on your banking institution.
  
  For transparency, refund receipts are attached for your records. We appreciate your patience and understanding as we resolved this matter. Should you have any other concerns or require additional assistance, please don't hesitate to reach out directlywe're here to help.

  Customer Answer

  Date: 10/24/2025

  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:10/20/2025

  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.

  On the recorded line with deferit and also with there third party company indebted I was told and agreed to a pay for deletion I have been waiting months and went there disputes and they havent done a thing but try to validate the late payment if a true investigation is done and I mean true they have to hand over that phone call with me which make my point valid

  

  Business Response

  Date: 10/20/2025

  Hi *******,
   
  Weve gone ahead and taken action close your account and remove the Deferit tradeline from your credit report as a one-time goodwill adjustment. Please note that it may take 2 to 4 weeks for this change to be reflected in your credit file, depending on the credit bureaus update cycle.
   
  If you have any further questions or need assistance in the future, feel free to reach out.
  

• Initial Complaint

  Date:10/17/2025

  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.

  Took money out my bank denied me service of not paying the bill I submitted

  

  Business Response

  Date: 10/20/2025

  Hi ******,
  
  Thank you for bringing this to our attention. Weve been in direct contact with you via email to confirm that both refunds for your September and October subscriptions have been successfully processed, and your account has been fully cancelled as requested.
  
  As noted in our correspondence, refunds are issued immediately on our end; however, the timeframe for the funds to appear in your account depends on your banks processing timesmost complete this within 23 business days, though in some cases it may only take up to 10.
  
  For your reference, weve also attached copies of the refund receipts confirming these transactions.
  
  We appreciate your patience and understanding, and were glad to have resolved this matter for you.

• Initial Complaint

  Date:10/15/2025

  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 have the subscription rigged where theres no way on their website to cancel membership or remove my debit card and I dont want to be charged for something I dont feel is legitimate.

  

  Business Response

  Date: 10/15/2025

  Hi ******,
  
  Thank you for reaching out and sharing your feedback. We're pleased to confirm that your account and membership have been successfully canceled as requested.
  
  If you have any other questions or require further assistance, please dont hesitate to reach outwere happy to help.
  

• Initial Complaint

  Date:10/09/2025

  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.

  I am filing this complaint against Deferit for unauthorized billing and continued charges to my account despite my decision not to use their services. I did not wish to use Deferits services and made that clear. However, Deferit continued to charge me subscription fees for July and October, which I never agreed to or authorized. These charges caused my account to go negative by $30. I did not request any bill payment services, and no valid reason was provided for why the billing continued after I had stopped using or intending to use the account.

  

  Business Response

  Date: 10/20/2025

  Hi ******
  
  Thank you for reaching out and for providing the attached screenshot showing the Deferit line item on your account. We appreciate you taking the time to share that information, as it helps us conduct a thorough review.
  
  Upon examining our records, we confirm that both of your previous Deferit accountsregistered under ******************* and ************************** deactivated at your request in May 2024. Since that time, no subscription fees or charges have been processed on either account.
  
  Based on this review, it appears that the charges reflected in your attachment may be associated with a different Deferit account registered under another email address. To assist you further, could you please confirm whether you may have used any other email address between July 2025 and October 2025 to access or sign in to Deferit? Once we receive this information, we will promptly investigate and provide a detailed update.
  
  We appreciate your cooperation and understanding as we work to ensure this matter is fully resolved.

  Customer Answer

  Date: 10/23/2025

  It was a while ago but I stop using the account and I cant find which email I used in regards 
  

• Initial Complaint

  Date:10/06/2025

  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.

  On September 27th, 2025 I opened an account on ******************* app. Unfortunately I provided my bank information because my intention was to have a bill paid. After discovering that there was no live customer service where I can speak with a human being I immediately changed my mind and sent an email on the 27th stating that I wanted to close my account and that I wanted to refund back because of the fact that there was no customer service available and I did not want to communicate with an AL bot. I received an automated email saying someone should be emailing me in 24 to ************************************************************************************************************************************** order to have the charge refunded back. As of today October 3rd, 2025 I received an email stating that deferit received my banking dispute and that I owed them money for an installment. This has got to be the most scamish, and unprofessional business out there claiming to pay someone's bills. This company has not paid one bill, they have not paid any installments I have not used them for any service at all all they did was take my money and then turn around and say I owe them more money and provided nothing in return. But is claiming that I owe them for an installment even though I never uploaded any bills onto their app for them to actually pay. It is very discerning and disturbing that a company would charge you monthly services that you immediately changed your mind about And don't have any human decency or professionalism to have a live human respond back immediately and address my concerns by refunding me for services that are not going to be used and closing out my account as I requested. I requested a refund on three different emails and no one has bothered to acknowledge any of them this is sad and unprofessional and I want a full refund.

  

  Business Response

  Date: 10/08/2025

  Hi ***,
  
  Thank you for bringing this matter to our attention. Were sorry to hear about your recent experience and appreciate the opportunity to clarify.
  
  Our records show that your account was deactivated and a refund for the $14.99 membership fee was issued on October 2, 2025. However, as a dispute was initiated with your bank on October 3, the refund transaction could not be completed on our end. Once a dispute is filed, the resolution and any refund are managed directly by the financial institution.
  
  We recommend following up with your bank regarding the status of the dispute and refund. Should the dispute be resolved or withdrawn, please reach out to us so we can ensure the matter is closed appropriately.
  
  We regret any inconvenience this situation has caused and appreciate your understanding.

  Customer Answer

  Date: 10/09/2025

  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:

  [Your Answer Here]

   It should not have taken a dispute to be filed against you to get your attention just to refund me back. After three ignored emails and waiting several days for a response You led me no other choice but to follow dispute with my bank. Service here is poor and you need to get a customer service number where people can engage with live humans to address any concerns or questions they have instead of substituting people for chat bots. At this juncture the dispute is already in effect with my bank and my bank is doing what is necessary in order to make sure I get my refund back.

   

   

   

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

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

  

  Business Response

  Date: 10/21/2025

  Dear *** ******************************* you for your additional feedback. We understand your concerns regarding your initial experience and appreciate the opportunity to further assist. Our virtual assistant is designed to provide quick answers and route inquiries efficiently, and when you requested further assistance, our Customer Heroes have since followed up directly to help close your account and process your refund request.
  
  As confirmed, a refund for the $14.99 membership fee was processed on October 2, 2025. Under normal circumstances, refunds issued on our end are typically reflected within 23 business days, depending on each banks processing timelines. However, as a dispute was filed with your bank, the refund transaction could not be finalized through our system. At this point, the refund and resolution process will continue directly through your financial institution.
  
  We regret any frustration this situation may have caused and appreciate your feedback, which helps us further enhance both our customer service and support experience.
  

• Initial Complaint

  Date:10/02/2025

  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.

  My account was flagged for a high security risk and this is not allowing me to make the payments that are due. I reached out to them several times and finally received a response from someone named ***** who assured me that if I sent over photos that would appropriately identify me she would fix my account, unlock it and allow me to continue to make my payments on time which I have been doing. I have been emailing every day for the past week and a half, and I am receiving notifications of late payments however I am not able to make them because my account is locked. This company is infuriating and I can see that someone else previously went through the same thing with them. I do not understand their lack of response when I am furiously trying to get this resolved so I can make my payment. It is so unfair and I am getting unnerved by receiving all these notices about my late payment. I sincerely hope they dont believe that they are going to charge me any kind of late fees when this is not my fault.

  

  Business Response

  Date: 10/02/2025

  Hi *******,
  
  Thank you for bringing your concern to our attention and for working with our Customer Heroes directly to resolve this matter. Weve confirmed that your account has now been successfully unlocked, and you should be able to log in and resume making payments or uploading bills without any issues.
  
  We truly appreciate your patience and understanding throughout the process and your continued commitment to staying on top of your payments. If you have any other questions or require further assistance, please dont hesitate to reach outwere always here to help.

  Customer Answer

  Date: 10/02/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.
  
  Sincerely,
  
  ******* ********
  
  
  
   
  
  

• Initial Complaint

  Date:09/19/2025

  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.

  Hello my name is ********* ****** this app that called deferit wrote me saying I owe them but I never used this app or was aware of activity I dont owe them anything because money still 400 and they never paid anything so I am writing complaints I dont want any bill that will hit my credit and mess up anything because this is very unnecessary if I dont even know how to use the app

  

  Business Response

  Date: 09/29/2025

  Hi **********
  
  Thank you for reaching out and bringing this to our attention. We understand how concerning it can be to see activity you dont recognize, especially when it relates to billing or credit reporting.
  
  We are currently reviewing your account and any related activity in detail to confirm whether charges were incurred and to ensure that all reporting is accurate. Please be assured that we take these matters seriously and are committed to resolving them thoroughly.
  
  We will follow up with you directly via email once our review is complete. In the meantime, we appreciate your patience while we investigate and work to provide clarity.

• Initial Complaint

  Date:09/18/2025

  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.

  They were suppose to send a check to my landlord for $700 but for the 2nd month in a row, the check mysteriously got lost in the mail. I have emailed them about 20 times in the last 3 weeks with only 1 reply asking me what I wanted to do. I told them to cancel the check like last time and refund me but I have not heard from them since

  

  Business Response

  Date: 09/23/2025

  Hi *******,
  
  Thank you for bringing this to our attention; we value the opportunity to make things right.
  
  We've replied directly via email confirming the cancellation of the check and issuance of the refund. This includes the banking timeframe for the funds to reflect to your account, and an important reminder to let your ****** know not to encash the check should they receive it to avoid being charged the *** fee.
  
  Your patience and understanding are appreciated. If you have any other questions or concerns, please don't hesitate to reach out to us directlywe're here to support you every step of the way.