Consumer complaint received 2025-08-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Kikoff Inc.
State: FL

Complaint narrative:
Kickoff upon learning too late did as thousands literally thousands have echoed. They advertised a no fee debit card offering to set up a service allowing you to use them a a bank and every purchase made would be paid from a pre funded account with no mention of minimum account balances or rules regarding time for fund availability or physical card requirements to access services. Upon registering I was asked to pay XXXXXXXX XXXX  to fund my account and additional deposit if XXXXXXXX XXXX to have access to deposits and be provided a physical debit card. I was misled to believe also that a credit line was to be issued matching and or exceeding my deposits which also was not true. Upon being denied the forementioned debit card I was told it was due to insufficient balla ce to which was XXXXXXXX XXXX so far deposited. Instantly I was charged XXXX or near this amount for registration which was never indicated prior to registration and I saw my balance drop by another XXXXXXXX XXXX  despite confirmation from both backs linked demonstrating they were successful in drawing funds. These charges were not expected or explained in their advertisement nor during registration. In addition despite these charges I still had more than XXXXXXXX XXXX requirement to buy my right to a physical debit card and yet I was not allowed that option as their system would indicate to me I would need to deposit another XXXXXXXX XXXX  or more tonight gain access to it. Enraged I contacted support which was an ai automated bot which correctly reported back to my both my charges and my deposits. After figuring out how to get further support having to blow my flute, so a dance, and click through the web to get a hold of a live human, I was told I had no deposits and that kickoff can't be used as a debit service which made no sense, I was also misreported my deposit amount by the rep as now my deposits were split in half with. No one on the support side accurately accounting for my actual funds and I even showed them the screenshots where their own chatbot acknowledged deposits reflecting the accurate deposits they said they would get back to me. Further attempts to reach a human being were not successful. I indicated that I was misled by their advertisement, not disclosed these required fees, and not aware further deposits were required to use their service or obtain a physical card and demanded my money back and die them to cancel my subscription. This was all within twenty minutes of having regis. Since that day they have charged me every month from XXXX XXXX XXXX XXXX and have refused to acknowledge or refund me or speak to my deposits and or their not observing or acknowledging my request for refund and xanxella of services. One quick glance online shows thousands of others like myself experiencinf the same at various degrees of subscription fees and mine i discov was at a rate higher than anyone else 's and there lack of access to their funds or features promises by kickoff are plenty. This is not XXXX XXXX XXXX XXXX. This is a fraudulent, deceptive, and bad faith institution that needs to be shut down and made an example of for their dismissal of their customers concerns, rights, and legitimate grievances.

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