Complaints

• Initial Complaint

  01/17/2025

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I am not lieable for this KIKOFF LENDING LLC I do not have a contract with KIKOFF LENDING LLC, they did not provide me with the original contract as I requested

  Business response

  01/24/2025

  Hi Ottisha,

  Thank you for your note.  In response to this complaint, we have provided you with additional internal correspondence regarding your reporting as well as verification of your account.

• Initial Complaint

  01/17/2025

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Im not liable for this debt with kikoff I do not have a contract with the collection agency reporting this to my credit report they did not provide me with the original contract as I requested

  Business response

  01/24/2025

  Hi ******,

  Thank you for your note.  In response to this complaint, we have provided you with additional internal correspondence regarding your reporting as well as verification of your account.

• Initial Complaint

  01/15/2025

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  the company fronts like your adding money to a savings for the future and while doing so you helping your credit score, but not one ***** payment to kickoff savings account reflected onto my credit score, but as soon as I stopped due to no longer able to send to the savings they began sending negative ***orts so I canceled and requested my money be refunded and they are stating they are keeping my money for the Serice provided, but they did not provide any service at all, i advised the *** that i cannot afford to just give away ******. i asked to speak with a supervisor and she put me on hold and never came back. she first said there was no one but herm when i threatened her with filing a complaint with BBB then she told me to hold while she got a supervisor but never returned to the call. I just want my ****** I'm a single mom of 3 and trying to fix my credit for the future of my children, i cannot afford a loss this big

  Business response

  01/07/2025

  We are not Kikoff Credit. We are not a credit company at all. We are Corporate Kickoff a corporate motivational speaking company. Please make sure you have the right company before writing a review.

  Customer response

  01/07/2025

   
  Complaint: 22709974
  
  I am rejecting this response because: they are keeping my ****** when they had me thinking I was putting this to save, weve confirmed they were not doing what was expected I closed the account and requested my money back they told me that they were keeping it for tor services provided and this I did not agree to this I  feel mislead and scammed. I cannot afford to just give away money for no apparent reason and this would be for no reason because there was no service provided other than holding on to my money
  
  Sincerely,
  
  ***** *******

  Business response

  01/24/2025

  H Adele,

  Thank you for reaching out. Id like to provide clarification regarding your Kikoff Credit Account and the Credit Builder Loan, as well as address your concerns.
  
  When you sign up for Kikoff, you receive a credit line that is reported to the three major credit bureaus. This serves as the Credit Account. Depending on the plan you choose, a balance is charged to the credit line, creating payments over a 12-month period. Your payments are reported monthly to the credit bureaus, contributing positively to your credit history. Having a credit line in your profile can also help reduce overall utilization, diversify your credit mix, and build payment history, which are significant factors in your credit score. Its important to note that Kikoffs credit account does not come with a physical or virtual card.
  
  As part of our compliance with strict lending rules and regulations, we are required to report accurate payment activity to the credit bureaus. For this reason, the payments in question cannot be refunded. We understand this may not be the outcome you were hoping for, and we appreciate your understanding of our commitment to compliance.
  
  The Credit Builder Loan you opened on 05/04/2024 had a loan amount of $120, with monthly payments of $10 over a 12-month term. This serves as the "savings account." Upon successful completion of the Credit Builder Loan, all funds paid into the account are returned back to the member, ensuring that your commitment to credit-building also includes financial rewards. Unfortunately, this loan was closed due to non-payment on 09/03/2024 as no payments were received.
  
  If you have further questions or need additional clarification, please dont hesitate to reach out at ********************************************************.

• Initial Complaint

  01/15/2025

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  12/17/2024 asked the company to close the account and stop overdrafting my bank account. The app just spins as if there's a connection issue. They continue to send me emails to fund my account and I responded back that I didn't have money at this time to pay for the subscription and please cancel my account Overdraft fees are *****

  Business response

  01/07/2025

  We are not Kikoff Credit. We are not a credit company at all. We are Corporate Kickoff a corporate motivational speaking company. Please make sure you have the right company before writing a review.

  Customer response

  01/07/2025

   
  Complaint: 22699271
  
  I am rejecting this response because: I expect to be cancelled as requested in November 2024. 

  The website does give you the option to cancel with a confirmation .
  
  Sincerely,
  
  ******** *****

  Business response

  01/24/2025

  Hi ********,

  This email is in reference to a recent complaint filed on your behalf through the Better Business Bureau (BBB).

  After reviewing your account, we can confirm that it was self-closed on 12/18/2024. The last attempted payment was made on 12/16/2024, and an email confirming the account closure was sent to you on 12/18/2024.Additionally, we have not found any record of correspondence from you regarding your account or any attempted charges since 12/16/2024.

  If you have documentation or evidence to support your claim, please email it to ********************************* and we will be happy to assist you further.

• Initial Complaint

  01/13/2025

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  Was an open account on my credit report I had no idea or aware of an open account on ****************** no contact or nothing about the weariness of an account

  Business response

  01/17/2025

  Hello Makyule, 

  We have received your complaint, both from CFPB and BBB in which they were under the same foundation claiming the account wasn't yours or wasn't created by you. We do take these claims seriously and have reviewed the application process, and also considered any new information provided in your recent dispute. Unfortunately based on this latest internal investigation of the account verification and approval process, there is insufficient evidence to support removal of this tradeline.

  In your complaint you advise that you did not open or authorize the account. To be approved for a Kikoff loan/credit account, an applicants identity/personal information must be verified, including name, DOB, address, and SSN. In the case of this account, we have reviewed and reconfirmed the verification process of the information provided during account signup back in 11/28/2023, all of which matched. The information used to open the account is also consistent with your FTC report that was attached. Here at Kikoff we require both email and phone to be verified upon account creation through multifactor authentication and see that it was done so successfully. 

  Additionally, during the application process you acknowledge our terms electronically. This too  is a requirement in order to proceed with the account. We do sympathize with your situation, and would take action if the evidence indicated a different result, but we are also responsible to report accurate information - which in this case does appear to be accurate.
  Thank you, and we wish you all the best.

• Initial Complaint

  01/12/2025

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  15 u.s.c 1681 consumer credit protection act protects information collected by consumers. access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by ************************** Delete this off my report

  Business response

  01/17/2025

  Thank you for contacting the BBB regarding your concerns about the reporting of your account. At ******************, we take all disputes seriously and are committed to ensuring that the information we furnish to credit reporting agencies is accurate and complies with applicable laws and regulations, including the Fair Credit Reporting Act (FCRA). After reviewing your account history, we have confirmed that the charge-off status as well as any late reporting was reported accurately. Our records show that the account experienced a series of months without payment, which ultimately led to the charge-off designation in compliance with our policies and the terms of the account agreement.

  Under the ****, consumers have the right to dispute inaccurate or incomplete information on their credit reports. However, it does not mandate the deletion of accurate information. Because the charge-off status reflects the factual history of the account, it will remain on your credit report as required by law. If you believe this determination is in error or if there is additional information you would like us to consider, please feel free to provide it, and we will re-evaluate your dispute promptly. You may also contact the credit reporting agencies directly to dispute the accuracy of the information.

  We understand that a charge-off can have a significant impact on your credit file and remain open to working with you to address any concerns. Please dont hesitate to reach out to us at ******************************** if you have further questions or require additional assistance. 

  Thank you,

  Kikoff Customer Operations

• Initial Complaint

  01/11/2025

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  They've been taking money from me for months and giving false and inaccurate information claiming this information was from the 3 credit bureaus.(********, transunion,etc.) When I wrote to them asking where they got thus information from they continued to lie. I have screen shots of everything from receipts to monthly credit scores they were claiming were true and transcripts of customer service *** lying when asked. I was so happy and invested my time and money thinking they were telling me the truth only to find out I have been wasting my precious time. I'm devasted as I've been trying to fix my credit for my children so that I can get them a place to live and get a car to drive them to school and the doctor. I'm a single mother and they have robbed me. Please i need a lawyer pro **** who can help me with this. Please contact me ************ thank you.

  Business response

  01/16/2025

  Thank you for your note. At Kikoff, we are required to report accurate information to the bureaus, however, we understand your concern regarding differences in reporting across the bureaus.  We have also sent you an email internally through the contact in this complaint that goes into greater detail in regards to your concern and provides you with reference material and contact information to be able to work with the bureaus directly.   In that response we also provided you with additional information that can be accessed within the application that can and will affect your reporting , but is separate from Kikoff. If you have any further questions, please contact us via email at ******************************** and we would be happy to assist you with any questions you may have with the information we have provided to you.  We hope this information is helpful and we wish you well in your journeys. 
  
  
  

  Customer response

  01/17/2025

   
  Complaint: 22798397
  
  I am rejecting this response because:
  
  Sincerely,
  
  ******* *******

  Business response

  01/23/2025

  Thank you for reaching back out.  We understand your concern with differences in reporting that you are seeing with the bureaus.  When we last provided you with our response we also sent you an internal email that provided you with contact information and methods to remedy the differences in reporting that has drawn your concern.  If you have questions about any of that information please contact us at ******************************** and we can assist you.  Please bear in mind that while we endeavor always to report your information accurately, we are reporting it to a separate entity a third party over which Kikoff has no control.  For this reason, again we encourage you to work with the bureaus to correct perceived inaccuracies.  We appreciate your understanding of this aspect of the situation and are here to support you for any questions you have.  We hope this is helpful and we wish you well. 
  
  
  
  

  Customer response

  01/24/2025

   
  Complaint: 22798397
  
  I am rejecting this response because:
  
  Sincerely,
  
  ******* *******

• Initial Complaint

  01/08/2025

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  This account was initially made help increase my credit score. After making the account I was never able to login again which meant that payments werent made but I had no possible way to make a payment due to the fact that they said that the account never existed.

  Business response

  01/16/2025

  Thank you for your note. At Kikoff, we are required to report accurate information to the bureaus. If you believe any of the information we reported is inaccurate, we are happy to review the reporting.  We have also sent you an email internally through the contact in this complaint that goes into greater detail in regards to your concern. If you have any further questions, please contact us via email at ******************************** and we would be happy to assist you with any account-specific questions regarding its status or any amounts with respect to  your privacy in doing so. We hope this information is helpful and we wish you well in your journeys

• Initial Complaint

  01/07/2025

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I am not liable for this debt with charter communications, I do not have a contract with KIKOFF **** They did not provide me with the original contract as I requested

  Business response

  01/15/2025

  This email is in response to a concern you have brought to our attention through the Better Business Bureau. We understand the importance of resolving this matter and appreciate the opportunity to address it.
  According to our records, the terms and conditions for your account were accepted on 01/01/2023, at the time of account setup. These terms outline both the responsibilities associated with the loan and the monthly reporting of payment activity to the credit bureaus. Please know that all Kikoff Lending, LLC customers have the right to cancel their accounts at any time without any penalties or associated fees if they no longer wish to participate in our program. Unfortunately, we do not have a cancellation request on file for this account. If a request had been received, we would have promptly processed it in accordance with our cancellation policy.
  We have provided a copy of your account terms through the internal email we have also sent to you through the contact information within this complaint.  This information is also made available inside your account at any time.   We are committed to transparent communication and ensuring you have access to all pertinent information about your account. Please dont hesitate to reach out  to us via email at ******************************** if you have any further questions or require additional support.
  

• Initial Complaint

  01/04/2025

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for this debt with KIKOFF LENDING LLC, I do not have a contract with KIKOFF LENDING LLC, they did not provide me with the original contract as I requested.

  Business response

  01/09/2025

  Thank you for your note. At Kikoff, we are required to report accurate information to the bureaus. However we also want you to know that we are not debt collectors. In addition to this we have also provided an internal email through the contact in this complaint that goes into greater detail to address your concerns.  If you believe any of the information we reported is inaccurate, we are happy to review the reporting. Additionally, we consider your privacy when reviewing your accounts and request you contact our ******************************** if you have any account-specific questions regarding its status or any amounts.
  
  

*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. ↩