Consumer complaint received 2026-03-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Kikoff Inc.
State: FL

Complaint narrative:
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. NO PRODUCT OR SERVICE WAS EVER DELIVERED : From the account opening date of XX/XX/XXXXXXXX through the date of this complaint a period of approximately 14 months I have never received any product, merchandise, credit line, physical card, digital product, or service of any kind from Kikoff Lending LLC. I enrolled in what I believed was a credit repair or credit-building program. I received nothing. TOTAL CHARGES {$590.00} CONFIRMED AND ESTIMATED : Kikoff has charged my XXXX XXXX XXXX XXXX XXXX ( ending XXXX ) {$35.00} per month since XX/XX/XXXX. My XXXX XXXX XXXX annual statement confirms : {$100.00} on XX/XX/XXXXXXXX and {$35.00} on XX/XX/XXXXXXXX ( confirmed total from XXXX statement : {$140.00} ). My XXXX XXXX last 90 days statement confirms : {$35.00} on XX/XX/XXXXXXXX ; {$35.00} on XX/XX/XXXXXXXX ; {$35.00} on XX/XX/XXXXXXXX ( confirmed total from 90-day statement : {$100.00} ). Including estimated monthly charges from XXXX through XX/XX/XXXXXXXX at {$35.00} per month ( {$350.00} ), the total amount charged is approximately {$590.00}. I am the authorized user on this XXXX XXXX account ; the primary cardholder is my mother, who also has no relationship with Kikoff and did not authorize these charges. THE UNEXPLAINED {$100.00} CHARGE XX/XX/XXXXXXXX : On XX/XX/XXXX, Kikoff charged my card {$100.00} exactly triple the monthly fee with no prior notice, no invoice, and no explanation of any kind. Two days later on XX/XX/XXXX, Kikoff charged the regular {$35.00} monthly fee. No explanation for the {$100.00} charge has ever been provided. This appears to be an entirely unauthorized charge with no contractual basis. CREDIT REPAIR ORGANIZATIONS ACT ( CROA ) VIOLATIONS : Kikoff Lending LLC operates as a credit repair organization within the meaning of 15 U.S.C. 1679a. Under CROA, a credit repair organization is prohibited from charging or receiving any money before fully performing all promised services ( 15 U.S.C. 1679b ( b ) ). Kikoff has charged me {$590.00} in advance monthly fees while never performing any service. Additionally, CROA requires credit repair organizations to provide consumers with a written contract containing specific disclosures and a three-day right of cancellation ( 15 U.S.C. 1679c, 1679d, 1679e ). I was never provided any written contract with CROA-required disclosures and was never informed of any right to cancel. These are per se violations of federal law. FCRA VIOLATION 30-DAY LATE PAYMENT REPORTED ON ACCOUNT WITH NO SERVICE : My XXXX credit report dated XX/XX/XXXX shows a 30-day late payment in XX/XX/XXXXXXXX on the Kikoff Lending LLC account ( Account XXXX ). Kikoff reported a negative payment notation against me on an account for which they delivered no service and for which they were simultaneously collecting monthly fees. Reporting negative credit information on an account where no service was rendered violates the Fair Credit Reporting Act, 15 U.S.C. 1681s-2. I have disputed this account with XXXX and have sent a formal demand letter to Kikoff via USPS Certified Mail. Kikoff has not responded and continues to charge my card.

Company response to consumer: Closed with explanation