Kikoff Inc.

I was putting a friends money in the bank to pay his bill, and they IMMEDIATELY withdrew it from my checking.... I sent them a cessation order to stop pulling AHC transactions. They then pulled money from my account XXXX more times after the order ( twice immediately after, and twice more XXXX hours later ) they refuse to refund it and are refusing to acknowledge the EFTA regulation E.

This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

To Whom It May Concern : I respectfully request escalation and further review of Kikoff Lending LLC 's response. The company has provided conclusory statements regarding the accuracy of its reporting but has not provided sufficient evidence to independently verify the information furnished to consumer reporting agencies. XXXX asserts that I entered into an agreement on XX/XX/year>, that payments became delinquent, and that the account was charged off. However, mere assertions do not satisfy the requirement to conduct a reasonable investigation and maintain maximum possible accuracy under the Fair Credit Reporting Act. Accordingly, I request that XXXX produce competent documentary evidence supporting every item of information furnished to any consumer reporting agency, including but not limited to : The complete consumer agreement and all amendments in effect at account opening.…

Grant money services pull XXXX XXXX from my account resulting in my account going into the negatives by XXXX XXXX now I dont have money I removed permission from Grant money services llc from my main checking a account and set up a completely different account for them to pull from. this was a unauthorized transaction I need a credit to cover the money taken and fees

I paid {$450.00} back last week was eligible for {$250.00} then paid that back last week, it stated I'm eligible after XX/XX/year> so I go on to get my new advance and if says now there's a charge back and not eligible. This is not fair I need my advance they ripped me off and I can't get a hold of anyone

I am filing an expedited complaint against Kikoff , Inc. ( operating as Grant Cash Advance ) for predatory billing practices, ledger manipulation, and retaliatory account closure. I borrowed two {$50.00} cash advances through the Grant app. My official bank records conclusively prove that Grant successfully debited a total of {$100.00} ( {$53.00} per advance, including fees ) directly from my payroll deposits. On XX/XX/year>, Grant drafted {$53.00} ( - {$26.00} and- {$26.00} ) which cleared my bank and was never returned. On XX/XX/year>, Grant drafted another {$53.00} ( - {$26.00} and- {$26.00} ) which also cleared. Grant collected {$100.00} in total, fully settling my debt. However, their internal system glitched on XX/XX/XXXX and failed to update my user dashboard. When I provided official bank statements proving the money had cleared, front-line customer service ignored the evidence and threatened to repeatedly auto-debit my bank account for a third time.…

I see collection on my credit report this not my collection account open by scamer please I need it removed immediately before I take action

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

This complaint is against Grant Money , LLC, which is a subsidiary of Kikoff , Inc. I'm also including XXXX XXXX XXXX and XXXX as well. Subject : Emergency Dispute : Unauthorized ACH Debits and Regulation E Violations by Grant Money , LLC XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX, and XXXX. Statement of Facts : This complaint is filed against Grant Money , LLC ( operating as Grant Cash Advance ), a wholly owned subsidiary of Kikoff , Inc., for executing unauthorized electronic fund transfers, and against XXXX XXXX XXXX and XXXX for failing to uphold consumer protection rights under federal law. No Authorization or Receipt of Funds : On XXXX XXXX XXXX Grant Money , LLC claims I requested and received a {$250.00} cash advance into my XXXX account. I strictly deny this. I never requested, authorized, or received these funds. Conclusive Evidence Provided : I have uploaded my official XXXX bank statement covering XX/XX/XXXX through XX/XX/year>.…

Grant cash advance I have been using it for quite some time since last year and I have made every repayment to this company. All of a sudden I made one complaint, they want to turn it around and make me the bad villain when I have proof of being a wonderful customer to this grant cash advance. I have made every repayment, and I have screenshots to prove it when I made the small complaint, hoping that they could give me some information they wanted to go back in their records. Ive made every repayment and they told me I owe them {$100.00}. Ive paid that and they did not credit it to my account then I was able to get other cash advance, which I repay them back one complaint equals oh you owe us this amount of money you owe us that amount of money or you cant get this and you cant get that.…

This letter serves as formal notice that Kikoff Lending LLC is engaged in the unlawful and inaccurate reporting of consumer credit data regarding the above-referenced account. As of XX/XX/year>, your company has verified and maintained a reporting status of " Account charged off '' with a {$180.00} balance and a {$100.00} past-due amount on my consumer credit files. This reporting is entirely fraudulent and illegal. I do not owe Kikoff Lending LLC any balance whatsoever. There is no outstanding debt, nor has there ever been. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information are strictly prohibited from reporting data they knowor consciously avoid knowingis inaccurate. Furthermore, verifying false data during a reinvestigation constitutes a willful violation of the FCRA, exposing your company to statutory damages, punitive damages, and attorney 's fees.…

CFPB Complaint Statement I am filing this complaint against Kickoff Lending LLC for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Kickoff Lending LLC has reported inaccurate and misleading information regarding my payment history to the consumer reporting agencies. This information is incorrect and has remained on my credit report for an extended period of time, despite multiple disputes submitted directly to the company and through the credit reporting agencies. Under the FCRA, specifically : * 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. * 15 U.S.C. 1681s-2 ( b ), upon receiving notice of a dispute, furnishers are required to conduct a reasonable investigation and correct or delete any inaccurate or incomplete information. * 15 U.S.C.…

I have been using grant money app for about a year now with no problem even though I didn't ask for a cash advance I still repay the money every month I use them but now they are telling me that they can't change the repayment date to something else that will help me then they say it the system but now it's always something else not to mention the high quality of payments for just taking the money to give you and I have not asked them for a cash advance but I see that I get a email anyway no problem I will pay them back for the money but now it's gotten out of hand to the point where I have been trying to work with them but they always have something new to say if you can help me with this matter asap I will be very happy to get them out of my head

I am filing a complaint against Kikoff regarding an unauthorized automatic renewal of my account agreement and the resulting negative credit reporting. I originally signed up for a one-year agreement with Kikoff. After my original term ended, Kikoff automatically renewed the agreement and continued the account without my clear knowledge or meaningful consent. I was not adequately informed that a new term would begin automatically, and I did not knowingly authorize a renewal for another term. Because of this automatic renewal, the account later reflected missed payments that negatively impacted my credit profile. Had I been properly notified and clearly informed that the agreement would renew into another term, I would have canceled the service before any additional obligation began. I am requesting that Kikoff provide : 1. Proof that I explicitly consented to a new renewal term, 2. Proof that proper renewal notices were sent before renewal, 3.…

I am submitting this complaint regarding the inaccurate reporting and improper verification of a Kikoff Lending LLC account appearing on my credit file. I disputed this account with XXXX as fraudulent/not authorized and submitted an identity affidavit supporting my dispute. Despite this, XXXX concluded that the account belongs to me without providing any documentary evidence demonstrating that I personally opened or authorized the account. To date, neither XXXX nor Kikoff has provided : * A signed agreement or application * Documentation demonstrating authorization or ownership * Any evidence showing that a reasonable investigation was conducted Instead, the account appears to have been verified through an automated process without proper review of the documentation I submitted. I am requesting : 1. A complete reinvestigation of this account 2. The method of verification used 3. Copies of any documentation relied upon to verify this account 4.…

I am disputing three unauthorized withdrawals by XXXX : {$0.00} on XX/XX/XXXX, and {$26.00} and {$9.00} on XX/XX/XXXX. XXXX used predatory balance sensing to " sweep '' my account 10 minutes after a refund arrived. XXXX violated 12 CFR 1005.10 ( d ) ( 1 ), which requires 10-day written notice if a transfer " will vary in amount from the previous transfer... or from the preauthorized amount. '' No notice was provided for the {$0.00} pull or the subsequent XX/XX/XXXX pulls. XXXX also violated 12 CFR 1005.10 ( b ), which requires transfers be authorized " only by a writing signed or similarly authenticated by the consumer. '' My authorization was for XX/XX/XXXX only. In an email on XX/XX/XXXX, XXXX representative XXXX admitted : " Since the repayment failed, we will continue to retry payment until we collect the full amount. '' This policy of automated " fishing '' retries without a signed writing for specific dates is a direct violation of the EFTA.…

Accounts are being reported to my credit file that were opened or shared without my consent. These items were not authorized and are harming my credit and identity.

I am submitting this complaint regarding the inaccurate reporting of my account. The reported information contains errors that do not accurately reflect my payment history. I have been a responsible payer, and the negative remarks on my account are incorrect. Under 15 U.S. Code 1666b, creditors are required to promptly correct billing errors. Additionally, under 15 U.S.C. 1681i ( 7 ), I am entitled to a full description of the reinvestigation procedure conducted regarding my dispute. As a consumer, I request to know all the steps the agency took to ensure the accuracy of the reported information before it was added to my credit report. Despite my efforts to dispute this matter directly with the reporting agency, I have not received adequate verification or resolution.

I am filing a complaint against Kikoff regarding inaccurate and inconsistent reporting of an account listed on my credit report ( Account ending in XXXXXXXX XXXX XXXX ). This account is being reported in a manner that is inconsistent across all three credit bureaus and does not comply with the Fair Credit Reporting Act ( FCRA ), which requires all information to be accurate, complete, and verifiable. Specifically : The High Credit amount is reported as {$260.00} on XXXX and XXXX, but {$0.00} on XXXX, which is inconsistent. The Credit Limit is reported as {$2500.00} on XXXX and XXXX, but {$0.00} on XXXX, which is inaccurate and misleading. The account is being reported as both a revolving account and a charge account, creating conflicting classification. The past due amount ( {$120.00} ) does not match the total balance ( {$260.00} ), with no explanation or breakdown provided. The last activity dates differ across all three bureaus, indicating inconsistent reporting.…

I am filing a complaint against Kikoff Credit regarding their handling of my identity theft dispute. I initially submitted the requested identity theft documentation for fraudulent accounts or activity connected to my credit file. I was informed the documents were acceptable, but then Kikoff later changed their position and stated the information was not enough. They then requested documentation showing that my phone had been compromised. I provided that documentation as requested. After I complied again, Kikoff reversed course and said they now wanted identity theft documents again. I asked them to clearly explain the exact documentation they require so I can fully resolve this matter and provide whatever is needed. They have refused to specify what exact documents they want, while continuing to delay resolution of my dispute. This has created unnecessary hardship, confusion, and prolonged the correction of fraudulent activity affecting my credit.…

I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Kikoff account was deleted and should be there. My good credit was deleted. I have a {$3000.00} credit line and its not reflecting. Plea put it back on

They reached out to me after i posted a negative review about their product and service. They misrepresented the service offered as it was poised as a LINE OF CREDIT up to XXXX USD only to find out that this is NOT what they offer but some kind of subscription that is allgegdly to build your credit and not a loan or line of credit. I contacted them after recieving their email with their XXXX # and requested the money returned to me that i had invested and they REFUSED. and they have reported this to my credit report as a charge off after they scammed me I only want the money invested and the negative mark removed.

charge account was opened around XX/XX/XXXX with an original balance of approximately {$420.00} and a credit limit of {$3500.00}. The account later became delinquent and was reported as a charge-off/collection with a current balance of {$380.00}. The last reported payment was listed as XX/XX/XXXX. This account was later reported to my credit file on XX/XX/XXXX as a derogatory collection / charge-off, with remarks indicating it was charged off as bad debt and a profit and loss write-off. I dispute the accuracy and validity of this reporting and do not believe the account information has been properly verified. After the account appeared on my credit report, I attempted to dispute the item and requested validation of the debt. However, the account continues to be reported without sufficient documentation or proof that the debt is accurate or that I am fully responsible for it.…

They promised to increase my credit score by self-financing a loan that I could start or stop when even I liked. I paid monthly for a loan that I never received in other words. However, when I wanted to stop the loan, I was sent numerous late notices, and they reported negative payments to my credit bringing down my score instead of it increasing my score.

I recently reviewed my credit report and discovered a collection account listed as KIKOFF LENDING LLC - 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 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( 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 this company has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

I asked for debt verification of this item and nothing could be provided. I did not sign up for this account and they could not provide anything showing I did. It is reporting as a bad unpaid debt that I did not do.

I am submitting this complaint regarding XXXX handling of my credit file and continued failure to comply with requirements under the Fair Credit Reporting Act ( FCRA ). I previously filed a complaint concerning this matter, during which the account in question was reported as verified as accurate. Since that time, additional concerns have arisen regarding the procedures used and XXXX compliance with its obligations under the FCRA. On XX/XX/year>, I mailed a written request to XXXX seeking the method of verification for the account, pursuant to FCRA 611 ( a ) ( 7 ). This request was sent directly by me and included my identifying information. On XX/XX/year>, I received a response from XXXX stating that the request does not appear to have been sent directly by you and that no action was taken. This raises several concerns : XXXX failed to process a direct written request from me without providing a clear or reasonable method to verify my identity.…

My name is XXXX XXXX, and I am writing to formally dispute incorrect information on my credit report. My date of birth is XXXX XXXX XXXX, and the last four digits of my Social Security Number are XXXX. I have noticed a significant error associated with an account from KIKOFF LENDING LLC on my XXXX credit report. The account number ending in XXXX is reported with a derogatory status and a XXXX balance. This account is inaccurately marked as derogatory, and it is adversely affecting my credit scores across all three credit bureausXXXX, XXXX, and XXXXwith scores of XXXX, XXXX, and XXXX, respectively. This derogatory status is incorrect and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and complete information.…

To Whom It May Concern, I am submitting a formal complaint regarding inaccurate credit reporting by Kickoff Lending. My credit report currently reflects that my account with this company has been reported as 60 to 89 days late. This information is incorrect, as I have never been late on this account. The presence of this inaccurate late payment history is severely damaging my credit profile and misrepresents my payment behavior. Under the Fair Credit Reporting Act ( FCRA ), all information furnished to credit reporting agencies must be accurate and verifiable. Reporting false delinquency status is a violation of these standards. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action. Specifically, I am requesting : * Verification of the reported late payments by Kickoff Lending. * Immediate correction or removal of any inaccurate delinquency reporting.…