Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Kikoff Inc.
State: NV

Complaint narrative:
Today on XX/XX/XXXX, I received an email that states : " Congratulations on making another purchase with your Kikoff Credit Account! 
Heres the order receipt for your purchase : Total : {$60.00} Payment method : Kikoff Credit Account New account balance : {$60.00} You can see the details of your Kikoff Credit Account from your dashboard : https : //kikoff.com/dashboard And you can access your purchase by going to the Order Center : https : //kikoff.com/dashboard/credit-account/orders Remember to make on-time payments to build your payment history! '' I was just on KikOff a few days prior looking at my previous accounts to make sure they were closed and I screenshot the statements. 

So if I know I have no new accounts because in order to start a new account with you guys, depending on the chosen limit, EVERYONE has to input the initial start fee to get the ball rolling. That is how Kikoff accounts become activated. So why is Kikoff opening a new account underMY name without MY permission? Please explain to CFPB why you opened a new account under my name without permission? 

To KikOff : Did you think I wouldn't take screenshots? Do you think I wouldn't be educated enough to notice major typos AND illegal back dating??? No, seriously? 
Here is an annotation of actions under KikOff from legal to illegal : XX/XX/XXXX, I, the customer applies for a {$60.00} Kikoff Loan that credits at {$750.00} after payoff. This is a loan to build payment history on credit reports and is not a transactional handheld loan. ( A screenshot has been added as proof ) Each month from XX/XX/XXXX to XX/XX/XXXX, for {$5.00} a month, this Kikoff Loan was payed for. Only XXXX  were missed but were immediately caught up. ( A screenshot is added as proof ) BECAUSE today is the XXXX, and it's XXXX XXXX, it would have been impossible for me to have signed up for another {$60.00} Kikoff Loan on the XXXX to then receive at XXXX an email about the loan on the same day. What makes it impossible would be that THE CUSTOMER would have had to put in for that loan the day prior to receive an email the next day but for KikOff applications, loan approvals are IMMEDIATE. HINT : I STILL HAVE, STARRED, THE EMAILS FROM LAST YEAR WHEN I SIGNED UP. ( Screenshots attached as proof ) Logging on to Kikoff App today after receiving said email, I opened the section that says " Kikoff Loan details '' and at the very bottom, I find : " Account open date is XX/XX/XXXX, Next Closing date is XX/XX/XXXX '' ( Attached as proof is my record transaction statement from Kikoff that shows the actual start date of the loan I opened with my permission while the second screenshot shows the same account getting reopened but with the wrong dates/back dates that clearly do not match up at all with the transaction history. )

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