Kikoff Inc.

I have used this online advance a few times before and not had any issues. This time however when I took an advance of XXXX the funds never reached my checking account. They said the funds were sent on XX/XX/year>. I sent several emails showing that the funds were never deposited and even called my bank to verify that there were no pending deposits. The repay on the loan was for XX/XX/year> however the funds never came. There isnt a number for the company so Ive been emailing back and forth. I emailed them to also say that I was depositing money into my account and I didnt want that money taken out for a repayment for something I never received, no reply from the company on that point and they started taking money today from my account

I requested a cash advance from Grant ( they also go by XXXX according to a conversation I had with someone from Grant via email ). The amount was {$50.00}. I picked the option to receive the money 2-3 days to avoid paying an instant fee that didnt make no sense as the amount I requested was very little. I waited more than 3 days and until today, I never received the advance. I double checked my bank account to make sure I didnt make a mistake and I didnt, my account was connected through XXXX which means I didnt need to enter the account number or routing number myself, it just connects to my bank. I never received this advance and I contacted them via email, we went back and forth and they said I needed to look for the advance under XXXX if it didnt appear under Grant . They didnt make no sense in our conversation via email. These people are committing fraud and are connecting to peoples bank accounts. I need to get this resolve, please.…

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On XX/XX/year>, I contacted Kickoff and requested to downgrade my account from the $ XXXX plan ( {$2500.00} limit ) to the $ XXXX plan ( {$750.00} limit ). I made this decision because Im currently dealing with a serious issue involving a fraudulent account and misreporting by another creditor. Due to that issue, my credit is blocked, and I can not qualify for new accounts at this time. I was advised to keep a small active account like Kickoff, but reduce the limit until the dispute is resolved. I was told the downgrade would take effect in the next billing cycle. However, on XX/XX/XXXX, I was still charged {$20.00}, which means I should have remained enrolled in the premium {$2500.00} plan until at least XX/XX/XXXX. Instead, XXXX immediately downgraded my account and treated me as if I were already in the {$5.00} plan.…

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Kikoff - Build Credit Quickly Grant Cash Advance and Catch : Class Action XXXX are the apps listed on the XXXX XXXX XXXX you can download and install on any device all three of these apps are developed by kikoff inc I have found out that every single one of these apps have redirects to other websites when you get one of these choices you are taken to that website and you are taken out of the app you are in and you end up on a totally different website that looks completely normal and safe to use well the websites you are redirected to turn out not to be safe after all each app contains multiple redirects to websites that are full of viruses Spyware and malware and if you don't have any viruse Spyware or malware protection on whatever device you are using and you the average person would never know kikoff inc has redirects and links on every app they have developed and placed in the XXXX XXXX XXXX that are embedded with viruses Spyware and malware and if you click on those redirects…

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I went to pull out {$100.00} but I saw that the payback date was the XXXX which I had just gotten paid on the XXXX. I contacted the support boss and it said once you withdraw the money then you can contact support to change the date to your pay date, therefore I pull out the money and change the date and contact them telling them my payday was incorrect on the website here 's my actual pay date which would be the XXXX and I even sent them a screenshot of my paystub 's and pay history showing which days I'm paid they refused to rectify it and offered only seven days so I'm now reporting them for predatory business practice and terrible customer support. they were not helpful at all and kept sending the same message over and over and over

After I paid the loan back I tried to remove my bank account info from the grant app and the wrote me this I feel unsafe knowing I can't remove my personal bank info While we are not able to completely delete your bank account or debit card info from our system due to regulatory compliance reasons, we can remove our connection to your bank account so we will no longer have access to additional linked account transactions. In order to do so, you'll need to first close your Grant account. To close your account, please follow these steps : 1 ) In the app, select the " Account '' tab 2 ) Select " Manage Plan '' 3 ) Select " Close my account '' Please let us know if you've closed your account or if you have any other questions. Thanks, XXXX | Grant Customer Support

I am filing this complaint against Kikoff Lending LLC ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ) for charging approximately {$590.00} in monthly fees for a credit-building service I never received, failing to provide disclosures required by the Credit Repair Organizations Act ( CROA ), reporting a 30-day late payment to my XXXX credit report on an account for which no service was ever delivered, and continuing to charge my XXXX XXXX card to this day despite my formal demand for cancellation and refund. BACKGROUND : I am a Florida consumer who lost my employment and housing during the COVID-19 pandemic. I enrolled with Kikoff Lending LLC on XX/XX/XXXX specifically because they market their service as a credit-building tool for people working to restore their credit after hardship. I believed I was paying for a legitimate credit-building service. I was not.…

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I recently reviewed my credit report and discovered these collection accounts listed as XXXX - XXXX, XXXX XXXX XXXX - XXXX XXXX, KIKOFF LENDING LLC - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, EXETER - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LL XXXX - xxxxxx XXXX, CONSUMER PORTFOLIO XXXX - xxxxxxx XXXX, KIKOFF- XXXX XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under XXXX XXXX. XXXX ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under XXXX XXXX. XXXX ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that these accounts have the legal authority to collect this alleged debt.…

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My name is XXXX XXXX, and I am experiencing a significant issue with KIKOFF LENDING LLC regarding incorrect information that has been reported to the credit bureaus, which is reflected on my credit reports. The account in question, with the account number XXXX, shows a status of 'charged off ' with a current balance of {$220.00}. This account is inaccurately affecting my credit scores, which are currently XXXX with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I have taken proactive steps to resolve this matter, having already filed disputes with all three major credit bureaus on multiple occasions. On XX/XX/year>, and again on XX/XX/year>, I filed disputes regarding the incorrect details, yet the errors persist on my reports despite these efforts. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that furnishers of credit information ensure that the data they provide is accurate and up-to-date.…

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Your Name Your Address City, State, ZIP Date Credit Bureau Name ( XXXX / XXXX / XXXX ) Re : Notice of FCRA Violations Demand for Immediate Deletion ( Kickoff Account ) Creditor : Kickoff Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation. A mere automated confirmation from the furnisher does not constitute a lawful investigation. Your failure to provide any supporting documentation strongly suggests that no proper investigation was conducted. Furthermore, under 15 U.S.C. 1681e ( b ), you are required to maintain maximum possible accuracy in reporting. Reporting a charge-off without verified documentation is a direct violation of this statute. I am demanding the following : - The method of verification used- The name, address, and phone number of the entity you contacted - Copies of all documents, including any agreement bearing my signature, proving I have a legal obligation for this alleged debt You are also required under 15 U.S.C.…

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I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Kikoff Lending LLC # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/year> To Whom It May Concern, I am disputing the above account as unverifiable and potentially fraudulent. I have reason to believe that the account information associated with my identity may be inaccurate, misleading, or unauthorized. Continued reporting may constitute identity theft and a violation of the Fair Credit Reporting Act ( FCRA 609, 611, 605 ). I demand that XXXX XXXX XXXX : Immediately delete this account from all credit reporting agencies. Cease reporting any information associated with this account unless it can be fully verified. Provide written confirmation of deletion within 30 days. Failure to comply will result in formal complaints to the CFPB, FTC, and state regulators, and may include civil action for damages due to willful non-compliance with federal law. This is my final demand for compliance regarding unverifiable and potentially fraudulent reporting. Sincerely, XXXX XXXX

I made a purchase through the company a XXXX for a pay later purchase at XXXX back in XXXX of XXXX XXXX charged me for the down payment for the purchase ( XXXX USD ) but then never payed the store for the purchase. I know this because XXXX sent me a cancellation email stating they did not receive payment. So I then made a dispute with my credit card company ( Kikoff ). I have now received a written notice from Kikoff stating they will not side with me on the matter because they seen no issue with the purchase. I have also contacted XXXX about this multiple times and they say they no longer hold the funds because I disputed the transaction with my financial institution. Im not sure if I should submit the complaint with CFBP about Kikoff or XXXX because I have contacted both companies about my funds and neither company says they hold the funds.

On my credit it is showing a charge off and in collections when the account shouldn't be showing that at all considering that I have the same amount and it is open as of now and I don't understand how I pay them for help building my credit but yet the are reporting that I owe them money when I don't owe anything because I pay a monthly fee for them to report that I made a payment on a line of credit that I can't use

I noticed my XXXX XXXX tanked. I checked and saw kikoff llc and i was angry because i specifically had unsubscribed and i immediately ran and tried to get on the website to contact customer service. I was met with a rude, incompetent, agent and I tried to show them that even THEIR own system shows I cancelled in XX/XX/year>, Since i could not share my screen with her or him i took a screenshot. My reason for cancellation is because i lost my job and knew months ahead that i would not be able to keep the subscription. I took screenshots knowing these companies love to XXXX people over ( which verbatim states Since you closed your account XX/XX/year> you last XXXX XXXX we have is from XX/XX/year>. Even after sending them my exculpatory evidence they do NOT care that I followed KIKOFFs policies and rules and correctly unsubscribed, they just want to charge me, and or hurt me. I am being punished for being layed off and unable to afford kikoff.…

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In XXXX the account was open by me XXXX XXXX thinking it was going to help my credit score but i did not want to use the account once i did my full research. i also ask if I could pay for the account to be deleted of my credit reports and i was told that the company does not accept a payment for deletion my remaining balance is XXXX dollars i also offer to pay that and was told that the account is close and they can't take a payment on a charge off account

I have already filed a complaint against this company and they are refusing to remove this from my credit report. I just looked up the company and see that it is a credit builder company in which I have never signed up for! I am unsure what information was used to determine the accuracy of the account and how they are so sure that someone else did not provide my personal information but I will now be taking legal matters to get this resolved because why would I sign up for something that builds credit and not use it to do exactly so? I will be contacting my lawyer to get to the bottom of this

I previously disputed this fraudulent account and provided documentation supporting my identity theft claim. I have not received a proper response, and the account remains on my credit file. Your failure to remove or block this account constitutes noncompliance with FCRA 605B. I am demanding immediate removal and written confirmation.

I am completely unaware of this company, its services and I have never done any business with company to have any debt owe to it. I have disputed account several times and have stated and also provided documentation of being a victim of identity theft and this debt being a result of the debt. Company refuses to throughly investigate.

Kickoff To Whom It May Concern, I am writing to formally dispute the following information appearing on my credit report regarding the account with Kikoff Lending LLC. information currently being reported is misleading and/or inaccurate for the following reason ( XXXX ) : [ Reason Incorrect Payment Status ] The report shows a late payment for [ XXXX ], but I have records showing the account was never used. Credit Limit/Balance ] The account is reporting in a way that negatively impacts my debt-to-credit ratio despite the service 's marketing as a credit builder. The advertisement for kickoff with misleading, and its messing with my credit.

KIKOFF LENDING LLC ( Charge-Off {$45.00} ) Subject : Formal Dispute Demand for Full Ledger, Charge-Off Calculation, and Authentication To Whom It May Concern : I dispute this account in its entirety. You are furnishing : Charge-off status Balance : {$45.00} Past due : {$30.00} Multiple delinquency indicators Produce the following : 1. Complete life-of-account ledger from account opening through charge-off, including all payments, fees, interest, adjustments, and reversals. 2. Detailed charge-off calculation worksheet explaining how the {$45.00} balance was determined and reconciled. 3. Exact Date of First Delinquency and supporting documentation. 4. Exact XXXX XXXX data fields being furnished, including : Account Status Payment Rating Current Balance Amount Past Due Compliance Condition Code 5.…

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Account name KIKOFF LENDING LLC Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Open. {$20.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX A laptop was stolen from my place of employment back in XXXX. Since then, my identity has been compromised. Unknown addresses, phone numbers, accounts etc. have been showing up on my credit reports since then. This happened again in XX/XX/XXXX. I have been working endlessly to get this resolved, but I haven't had any success.

This company Kikff put latest on my credit file this was canceled on XX/XX/year> this misrepresentation this canceled by my laptop a letter was sent pay for delete they did not send a letter back to I ask them to take off the lates they will not this company is telling any consumer to call if any wants cancele on their computer it will work this miss information on them they put 90days past do false information.

The company kickoff showed up on my XX/XX/XXXXcredit file so I disputed it. I don't know the company, never did any business with them whatsoever. I contacted the company on multiple occasions telling them that this isn't my account and I'd like it to stop reporting false information on my credit. As of this morning it's still hurting my credit.

I am disputing the collection account with XXXX XXXX XXXX XXXX, This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

To Whom It May Concern at Kikoff Lending LLC, I am submitting this formal dispute and demand for corrective action regarding the inaccurate reporting of a XXXX past due status on my credit file and the continued reporting of this account despite my prior request to have the account closed. I previously notified Kikoff that I requested closure of this account and disputed responsibility for the reported delinquency. Despite this notification, Kikoff has continued reporting a XXXX past due status, which is inaccurate, harmful, and legally improper. This reporting is damaging my credit profile and constitutes furnishing information that is incomplete, misleading, or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ), furnishers of credit information are required to report accurate information and must conduct a reasonable investigation when a consumer disputes reported data. Additionally, 15 U.S.C.…

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being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

To Whom It May Concern, I recently received communication regarding an alleged debt. I do not know who the collector is or have full details of this account. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you provide validation of this alleged debt, including : XXXX. The amount of the debt. XXXX. The name of the original creditor. XXXX. Documentation showing that I am legally obligated to pay this debt. XXXX. Proof that you are authorized to collect on this debt. Until proper validation is provided, I request that you cease all collection activities, including reporting this debt to any credit bureaus. Please respond in writing to the address above.

Kikoff Lending LLC is reporting inaccurate, unverifiable information to XXXX and/or XXXX. I submitted a dispute under FCRA 611 ( a ), but the furnisher failed to provide validation. I also submitted a direct dispute under FCRA 623 ( a ) ( 8 ), and the furnisher failed to respond. The account continues reporting inaccurate late payments and an invalid charge-off status, which violates Sections 607 ( b ) and 623 ( a ) of the FCRA. I request immediate deletion of this tradeline.

I have reached out to kickoff lending through email. They have no phone number to contact him. Ask them for the documentation showing to where I owe the balance for the service of a charge card for {$500.00}. I never received a card. It was a reserve that was supposed to help my credit and I was set to make monthly payments and at the XXXX XXXX XXXX XXXX I will receive the balance back. I ran into financial trouble so I was unable to make the payments. I contacted them trying to pay the {$32.00} balance that they said I owe I would like to know if I pay the balance will they remove this off of my credit report or will they refund me the money that I have already paid into this Account?

I am writing to formally dispute inaccurate, incomplete, and legally unverifiable information currently being reported on my credit file regarding an account furnished by Kikoff. This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). Disputed Tradeline Furnisher : Kikoff Account Status : Paid/ {$0.00} Balance Issue : Account continues to be reported inaccurately despite being resolved Basis of Dispute Material Inaccuracy This Kikoff account has been paid in full, yet it is still being reported in a manner that is misleading, inaccurate, and damaging to my credit standing. Under the FCRA, consumer reporting agencies are required to maintain maximum possible accuracy. Violations include : 15 U.S.C. 1681e ( b ) Reporting must be accurate and complete 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Bureau must reinvestigate disputed information 15 U.S.C.…

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This letter constitutes a FORMAL DISPUTE, CEASE AND DESIST NOTICE, and DEMAND FOR IMMEDIATE DELETION pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), Regulation V ( 12 CFR 1022 ), and CFPB consumer protection standards. You are reporting a tradeline that is false, misleading, and improperly classified, in violation of federal law. MATERIAL REPORTING ERRORS & MISREPRESENTATION No credit card was ever issued No credit card number exists No usable revolving credit line exists The reported {$750.00} credit limit is simulated and misleading This product is a subscription-based credit builder, not a true credit account The reported Date Opened reflects enrollment, not extension of credit Address information is inaccurate and duplicative No lawful billing statements or credit disclosures were provided Reporting a non-credit subscription product as a revolving or charge account is deceptive and unlawful.…

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