Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kikoff Inc.
State: FL

Complaint narrative:
Company : Kickoff Product : Credit reporting / subscription account Issue type : Incorrect information on credit report Desired resolution : Correction or deletion of inaccurate reporting I am filing this complaint regarding inaccurate and misleading credit reporting by Kickoff, despite repeated disputes, cancellation requests, and payments made to close the account. 

I have been disputing this account since the first late charges were reported in or around XXXX, XXXX, and XXXX of XXXX. Those late charges were disputed and initially removed, but after I disputed the account again in XXXX, the same late charges were later placed back on my account. 

I requested cancellation of my Kickoff subscription by phone in or around XX/XX/XXXX. I was advised that in order to close the account, the balance needed to be paid in full. I made the requested payment and reasonably believed the account had been closed. 

In or around XX/XX/XXXX, I contacted Kickoff again by phone to cancel the account after issues arose due to my phone number being changed in their system. I was again advised that payment was required to close the account, which I paid. I was told the account would be closed. 

Despite these cancellation requests and payments, reporting and withdrawals continued. Payments were taken throughout XXXX, including at least XXXX months in which payments were withdrawn without my knowledge. I disputed the account again after making payment, yet the reporting continued. 

In XXXX, I contacted Kickoff by phone approximately XXXX times to dispute the continued reporting. I was repeatedly told that payment was required in order to dispute or close the account. These payments were made solely in reliance on those representations and did not authorize continued billing or credit reporting. 

During these calls, representatives repeatedly stated that no prior deactivation had been received and that the account would be deactivated, yet it remained active and continued to be reported. I also sent an email explaining that I had canceled my membership, paid balances as instructed, and that the information being reported was inaccurate. 

On XX/XX/XXXX, Kickoff responded stating that no phone calls or cancellation requests had been made. This directly contradicts my repeated disputes and communications. Ultimately, Kickoff closed the account with an outstanding balance of {$100.00}, despite prior statements that there was no charge to cancel and despite multiple payments already made to close the account. 

At no point did I authorize continued billing, late payments, or negative credit reporting after my cancellation requests. As a result of Kickoffs continued inaccurate reporting and failure to properly close my account despite repeated notice, I experienced credit-related financial harm, including the inability to qualify for credit or loans and financial strain. I also incurred unnecessary financial loss by making payments I would not have otherwise made, in reliance on Kickoffs representations that payment was required to close the account. 

Kickoffs failure to properly document cancellations, reinsertion of previously disputed late charges, and continued reporting after notice violates the Fair Credit Reporting Act. 

I am requesting correction or deletion of all inaccurate information associated with this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation