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:10/02/2025

  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:09/18/2025

  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.

• Initial Complaint

  Date:09/18/2025

  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 applied for deferit I was preapproved provided my utility bill that I would like paid which is scheduled for disconnection Friday ! I was told they couldnt verify my identity after I submitted my license for verification ! Paid a $14.99 membership fee which they deducted from my account yet I have a notification on my account that its not yet active ! I sent several emails no response

  Business Response

  Date: 09/18/2025

  Hi **********
  
  Thank you for bringing your concern to our attention.
  
  We're replied to your email with the information needed for us to be able to proceed with paying your bill. At your earliest convenience, please don't hesitate to confirm the required detail directly.
  
  Your patience and understanding are appreciated. We're here to help.

  Customer Answer

  Date: 09/22/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  [Your Answer Here]

  I would like my refund for the membership fee I cancelled my account unfortunately  

   

   

   

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

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

  Business Response

  Date: 09/23/2025

  Hi **********
  
  Thank you for your patience.
  
  We've replied via email confirming the successful cancellation of your account per your request, along with the subscription refund. This includes the timeframe for the funds to reflect on your account, depending on your banking institution.
  
  We appreciate your understanding and wish you all the best in your future endeavors. Thanks for being part of Deferit.

• Initial Complaint

  Date:09/11/2025

  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 have not had any problems but twice this year *** had my account flagged for an high risk banking issue. In April, I emailed and get a response within 1 day. Well recently I emailed about being on high risk alert again and received automatic email stating reply within 1-2 business days before a reply. Well its been a week and still no reply. I have sent 3 emails with no reply but Im getting emails and texts about a past due account but I cant even do anything nor pay due to my account being unlocked.

  Business Response

  Date: 09/11/2025

  Hi *********,
  
  Thank you for bringing this matter to our attention. We sincerely apologize for the delay in our response and understand how important timely access to your account is, especially with upcoming payments, and regret any concern this may have caused.
  
  We have since replied to your email with a secure link to complete a quick ID verification. Once submitted with a valid, clear photo of your identification, our Customer Heroes are ready to reassess and restore your account access without further delay.
  
  We value your patience and want to reassure you that resolving this promptly remains our top priority. Should you have any further questions or concerns, please don't hesitate to reply directly to our emailwe're eager to support you every step of the way.

  Customer Answer

  Date: 09/15/2025

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

• Initial Complaint

  Date:09/05/2025

  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 is not operating the way a business should. First off it was stated in the terms that there are no late fees and I searched this many times to get the same answer. However they added $10 to my most recent payment and I requested this additional fee to be removed since they tried to charge the wrong card and it didnt go through. Instead of removing that $10 they added another $8 on top of that. Now they expect me to pay $71 for a $53 installment even thought they already charge an insane monthly subscription fee. It has only been a few days since the due date I set for the payment. Im not sure that this is even legal. If this cannot be resolved I will be cancelling my membership and never using this service again. This is taking away from the positive aspect of having the app. And causing someone a hardship and not being willing to resolve it is a even crazier way to do business. You are better off just paying your bills instead of splitting through Deferit.

  Business Response

  Date: 09/08/2025

  Hello ********,
  
  Thank you for taking the time to share your feedback. We completely understand your concerns and want to assure you that weve addressed your questions in detail through a separate email. As part of our resolution, weve also waived the late fees on your account.
  
  We truly value the chance to support our customers and are committed to making sure you feel heard and assisted. If you ever have more questions or need further help, please dont hesitate to reach out to us directly.

• Initial Complaint

  Date:08/28/2025

  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 contract with this collection agency attempting to collect and report this to my credit report. I did not sign any paperwork with Deferit stating I would owe them any money. Deferit did not provide me with the original contract as requested.

  Business Response

  Date: 09/12/2025

  Hi *******,
  
  Thank you for bringing this matter to our attention. We understand the importance of accurate credit reporting and recognize how concerning it can be when you believe an account has been reported in error.
  
  We are currently conducting a thorough review of your account and the reporting information associated with it. Please be assured that we take these concerns seriously and will follow up with you directly via email once our review is complete.
  
  We appreciate your patience while we complete this process and remain committed to addressing your concerns promptly and thoroughly.
  

• Initial Complaint

  Date:08/25/2025

  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.

  Deferit sent me email in the beginning on August letting me know the card I used had been used in a dispute. Well when I went on the site it give me no option to clear the payment up . However I sent proof that this shouldnt be under dispute at least under me. I asked for someone to call me , they dont do calls now I cant pay the item or my other bills which is unfair I sent a email for a complaint and no one has responded to me. I think This is real unbelievable that I cant Pay my other payments thats making me go into collections or allow me to Use this service

  Business Response

  Date: 08/27/2025

  Hi ********,
  
  Thank you for bringing this matter to our attention; we appreciate the opportunity to address your concerns to your satisfaction.
  
  Weve since replied directly to your email, providing a detailed explanation and outlining the available options to move things forward.
  
  Should you have any further questions or require additional assistance, please don't hesitate to reply directly to our emailwe remain committed to supporting you and working toward a smooth and secure resolution.
  

  Customer Answer

  Date: 08/28/2025

  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]

  However what deferit keep sending me is the same exact thing I have explained over and over again . This does not change the fact that I emailed a complaint or that I cant even pay my other bills at all or that this company went to report this to the credit bureau that is now a negative impact on my report . Sending me the same email over and over again is pointless when we not getting no where 

   

   

   

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

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

  Business Response

  Date: 09/01/2025

  Hi ********,
  
  Thank you for your patience while we worked through this matter together. Were glad to confirm that your account has now been successfully unlocked.
  
  If you have any additional questions or need further assistance, please feel free to reply directly via emailwe're here to support you every step of the way!

  Customer Answer

  Date: 09/17/2025

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

• Initial Complaint

  Date:08/14/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I created an account with ******************** and was approved for $150 limit. Rather than have Deferit pay my bill, I opted for a $50 cash advance. Deferit approved it and said the $50 was deposited to my debit card on Aug 5th. The agreement was to pay back the $50 in two installments of $25.99. The issue is, the $50 was never deposited in my account and now ******************** is saying I owe them both installments. I contacted their customer support and never heard back. This is fraud! I will not pay them a dime for money that was never received.

  Customer Answer

  Date: 08/15/2025

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

• Initial Complaint

  Date:08/12/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I paid the fee for my bill to get paid and I HAVE YET TO HEAR FROM THIS COMPANY!! They took my money and as right now my bill has not been paid. My disconnect is on...and I have been screwed. I ahve tried emailing and no one will respond!! I don't recommend.

  Business Response

  Date: 08/13/2025

  Hi *******,
  
  Thank you for bringing this matter to our attention; we appreciate the opportunity to address your concern to your satisfaction.
  
  We sincerely apologize for the delay in our response as weve recently seen a higher volume of support inquiries, which has contributed to some extended response times. Rest assured; were actively scaling our support efforts to meet demand, and we genuinely appreciate your utmost patience as we work through this.
  
  We have since replied directly to your email with the complete details confirming the successful payment of your bill, along with guidance on ensuring your account reflects the payment we've made.
  
  We regret any frustration the delay may have caused and remain committed to providing timely and transparent communication. If you have any other questions or need further assistance, please don't hesitate to reply to our direct emailwe're committed to supporting you every step of the way.

• Initial Complaint

  Date:08/04/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

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

  Business Response

  Date: 08/06/2025

  Hi ***********
  
  Thank you for bringing your concern to our attention. We appreciate the opportunity to clarify the matter and ensure the information youve received is accurate and complete.
  
  To address your primary concern: no activity related to our **** Savings feature, whether settled or unsettled, is ever reported to credit bureaus. This service does not impact your credit report in any way, and we are confident that no negative reporting originated from this service.
  
  Regarding your account status: there is no active or outstanding balance on your account at this time. We've conducted a thorough review and confirmed that following your cancellation request, the cancellation was processed appropriately, with no further charges applied thereafter. For full transparency, we have attached your account summary, which reflects your current status and confirms that there is no remaining balance due.
  
  We value your time and patience, and were committed to resolving any outstanding questions you may have. If you need additional documentation or further clarification, please dont hesitate to contact us directly at ***************************************************** here to help.

  Customer Answer

  Date: 08/06/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  [Your Answer Here]

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

   

   

   

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

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

  Business Response

  Date: 08/20/2025

  Dear ***********
  
  We recently received a dispute from you regarding certain information in your consumer report. As required by law, we have reviewed our account records and the information provided by you as part of your dispute. During our investigation, we determined that the information we reported to the consumer reporting agenc(ies) was accurate, and is reflecting accurately on your consumer report based on our records.
  
  For your reference, we have attached your account summary, which includes your outstanding balance, past payments, and active installments.
  
  Thank you for choosing Deferit. If you have any questions, you can contact our support team using our Help Desk.

  Customer Answer

  Date: 08/20/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because

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

   

   

   

   

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

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

  Business Response

  Date: 08/28/2025

  Hi ***********
  
  Thank you for your follow-up and for sharing additional details regarding your concern. We understand how important accurate credit reporting is, and we recognize how concerning it can be when something appears incorrect.
  
  At this time, we are continuing to actively investigate the matter you raised, including a detailed review of your account records and the reporting information associated with it. Please be assured that we take these concerns seriously and will follow up with you directly via email as soon as our review is complete.
  
  We greatly appreciate your patience while we complete this process and remain committed to resolving the matter thoroughly and promptly.

  Customer Answer

  Date: 08/29/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

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

   

   

   

   

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

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

  Customer Answer

  Date: 09/18/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

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

   

   

   

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

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

  Business Response

  Date: 09/26/2025

  Dear ***********
  
  We recently received a dispute from you regarding certain information in your consumer report. As required by law, we have reviewed our account records and the information provided by you as part of your dispute. During our investigation, we determined that the information we reported to the consumer reporting agenc(ies) was accurate, and is reflecting accurately on your consumer report based on our records.
  
  For your reference, we have attached your account summary, which includes your outstanding balance, past payments, and active installments.
  
  Thank you for choosing Deferit. If you have any questions, you can contact our support team using our Help Desk at ***********************************************.