Complaints

This profile includes complaints for Deferit, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Deferit, Inc.

  199 Water St Fl 34 New York, NY 10038-3584

• 

  Deferit, Inc.

  PO Box 3511 New York, NY 10008-3506

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:03/10/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to formally dispute the reporting of a Deferit **** account on my credit report. This dispute is made under my rights granted by the Fair Credit Reporting Act (****), 15 U.S.C. 1681 et seq. The account in question is:Creditor Name: Deferit *** Account Number: ****** Date Reported: 10/31/2024 Upon reviewing my credit report, I have identified significant errors in the reporting of this account that constitute violations of the ****. Specifically:1.Inaccurate Balance Reporting on a Charged-Off Account Under the ****, once an account is charged off, it should not reflect a past due amount because the debt is no longer actively delinquent but written off as a loss by the creditor. Reporting a past due balance on a charged-off account is misleading and violates 15 U.S.C. 1681s-2(a)(1)(B), which prohibits furnishers from reporting information that they know or have reasonable cause to believe is inaccurate.2.Potential Violation of FCRA 1681s-2(b) Failure to Properly Investigate If this account has been previously disputed and remains inaccurately reported, Discover Card and the credit bureau may be in violation of 15 U.S.C. 1681s-2(b) by failing to conduct a proper investigation and correct or delete unverifiable information.3.Misrepresentation of Account Status By reporting both a charge-off and a past due balance, this account is being misleadingly presented to potential creditors, which may be a violation of 15 U.S.C. 1681e(b), requiring credit reporting agencies to maintain maximum possible accuracy.Given these inaccuracies, I am formally requesting that this account be deleted from all credit bureaus.

  Business Response

  Date: 03/24/2025

  Hi *******,
  
  Thank you for reaching out and bringing this matter to our attention; we truly appreciate the opportunity to assist you in resolving this issue.
  
  Please be assured that we have escalated your case to the appropriate team for further review and action. We understand the importance of accurate information on your credit report and want to ensure your concerns are addressed promptly and thoroughly.
  
  Our back-office team is thoroughly reviewing all the details, and we are committed to taking the necessary steps to resolve it to your satisfaction. We will keep you informed throughout the process and will notify you via email as soon as we have update.
  
  Thank you for your patience and understanding. We sincerely appreciate your patience and understanding as we work to resolve this matter. Should you have any questions or require additional assistance in the meantime, please do not hesitate to reply to our emailwe're committed to supporting you every step of the way!

• Initial Complaint

  Date:03/04/2025

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I cancelled my subscription to Deferit on 1/9/25 and have email confirmation of this, and I have no outstanding balances with them. On 3/1/25 I was charged for a membership fee when I did not reactivate my subscription. I immediately contacted Deferit on 3/1/24 after noticing the charge and to communicate the issue, and cancelled the subscription that I did not reactivate. I asked them to fully close my account and refund the money. I received a generic response stating well take care of this for you but did not receive any confirmation of receiving a refund. But can see that the subscription is no longer active as of today 3/4/25. I just want my money back.

  Business Response

  Date: 03/05/2025

  Hi *****,
  
  Thank you for bringing your concern to our attention; we appreciate the opportunity to get this sorted out for you.
  
  We are pleased to confirm that we have successfully processed the full refund and have sent you an email with the full details for your reference.
  
  Thank you for your utmost patience and understanding. If you have any questions or need further assistance, please feel free to reply to our emailwe're here to support you every step of the way!

  Customer Answer

  Date: 03/06/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.
  
  Sincerely,
  
  ***** ****
  
  
  
   
  
  

• Initial Complaint

  Date:03/04/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I recently reviewed my credit report and found the following error. I am a victim of identity theft and am disputing the following account that does not belong to me:DEFERIT (Opened: 6/20/2024, Account Number: ***********************)This account was opened without my knowledge or consent. I have filed a complaint with ***************** regarding this matter, and I have enclosed a copy of the complaint for your reference.I respectfully request that this fraudulent account be removed from my credit report and that the necessary steps be taken to prevent further unauthorized activity under my name. I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue.

  Business Response

  Date: 03/05/2025

  Hi ********,
  
  Thank you for bringing your concern to our attention; we appreciate the opportunity to get this sorted out for you.
  
  Please know that we take identity fraud cases very seriously and are committed to resolving this issue to your satisfaction as quickly as possible. Unfortunately, we are unable to send you an email to your ******************************** address with the detailed steps for resolving the issue due to an error we're encountering. We kindly request that you send us an email at ****************************** instead, and we'll assist you right away.
  
  On your email, you may proceed with including the police report documenting the identity theft or online scam. This report will help us thoroughly investigate the fraudulent activity and take the appropriate steps to protect your information from further unauthorized use. Once you have obtained the police report, please send a copy to us so we can proceed with the next steps.
  
  Your patience and understanding throughout the process are truly valued. If you have any questions or need further assistance, please don't hesitate to let us knowwe're here to support you every step of the way and look forward to your soonest response via email.
  

• Initial Complaint

  Date:02/27/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My deferit account open in Nov 2024 where i made payments in app. On my credit report my account shows as past due for february 2025 but nothing for january and fully paid in november and december. The balance owed shows updated as $87 on Feb. 29th 2025.Deferit than reported again on Feb. 20th, 2025 that my balance was accurate, and still ONLY 30 days late. The account shows as open on my file. Not collections not a charge off. Just an open past due balance of $87 that is 30 days late as of Feb. 2025 ONLY on my Experian. Equifax shows it was fully paid on time Nov, dec, and Jan. transunion shows only one ontime payment for december and no recordings for November january or February. Nothing reported for Jan. on my Experian.The next day on Feb. 21st, 2025 i made a payment to fully pay my account at 2:28 am by logging into my deferit account. The payment was posted. No balance owed. Yet, on Feb. 22nd 2025, Deferit flagged my transunion as 30 days past due.I contacted support via email to ask why deferit reported twice to my credit. Once on feb. 20th & the day AFTER i made a full payment, feb. 22nd to flag my account as 30 days past due.I was replied to by ****** ******* who explained my payment was posted on feb. 21st & my credit will be updated at the end of the month. I asked if this is so why did deferit, on the 22nd update transuion as past due before "the end of the month". ****** told me to pay the memership fee to continue using deferit. She then proceeded to tell me i made my payment through indebted in Dec. 2024 & my account was in collections. My account was NOT past due in Dec. so that is false. She stated my account was sent to collections feb. 10th, as you can see it shows as open on my credit reports not collections. All payments were made directly to DEFERIT.DEFERIT has falsely claimed my account was past due and in collections starting december. inaccurately reported on my credit as well. credit limit was not $300 either.

  Business Response

  Date: 03/04/2025

  Hi ********
  
  We sincerely apologize for any confusion or inconvenience this may have caused. Thank you for bringing this matter to our attention; we appreciate the opportunity to get this sorted out for you.
  
  Weve sent you an email confirming that your balance with us is $0, and we've also recalled the credit report with InDebted.
  
  Additionally, weve taken care of your February subscription, making your account fully up-to-date and ready for use.
  
  Your patience and understanding are truly valued. If you have any questions or need further assistance, please feel free to reply to our email containing the complete detailswe're here to support you every step of the way!

• Initial Complaint

  Date:02/18/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Deferit claims to pay bills for customers. However it never paid Xfinity which Xfinity confirmed. I ended making the payments on defies and Xfinity ! And then Deferit refuses to acknowledge this. Charge me a fee. And reports to credit bureau!!

  Business Response

  Date: 02/18/2025

  Hi *******,
  
  Thank you bringing this matter to our attention; we value the opportunity to sort this out for you. We understand how important utility bills are, especially with your Xfinity bill, and we deeply regret any inconvenience this may have caused.
  
  We have sent you an email with the next steps to ensure that your double payment is resolved promptly while your services remain active. Rest assured; we are committed to preventing this from happening again.
  
  Your patience and understanding throughout this process mean a lot to us. If you have any questions or need further assistance, please don't hesitate to reply to our emailwe're here to help and support you every step of the way!

• Initial Complaint

  Date:02/07/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I paid my ************** bill, and they requested that I resubmit my billing information. Following their review of the bills, they acknowledged that check payments were not currently an option, yet proceeded to send out a bill. As a result, my phone service remains suspended, and I would advise others to be cautious in their dealings with them.

  Business Response

  Date: 02/07/2025

  Hi ********
  
  Thank you bringing this matter to our attention; we value the opportunity to sort this out for you. We understand how important utility bills are, and we sincerely apologize for the inconvenience caused.
  
  Upon reviewing your account, we have confirmed that an error occurred during our attempts to process your ************** bill online. As a result, **** successfully canceled the check that was sent and have also processed a full refund of your payment. For your reference, weve sent you an email with the complete details.
  
  If you have any questions or need further assistance, please don't hesitate to reply to our emailwe're here to help and support you throughout your financial journey with us!

• Initial Complaint

  Date:02/07/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  After recently reviewing my credit report from your company, I noticed several inaccuracies that need to be addressed. The accounts in question are listed below:?Company Name: ******* Account #: ******************** Balance: $227.00 Under the Fair Credit Reporting Act (15 U.S.C. 1681g), I am formally requesting copies of all documents in your records that were used to verify the accuracy of these accounts. Please provide these documents in your response to this letter.I respectfully ask that you do not reply with a generic statement claiming the accounts have been verified. Instead, I expect to receive the actual records supporting this verification. If no such documentation exists, these disputed accounts should be removed from my credit report immediately, as required under Section 611(a)(5)(A)(i) of the FCRA.Including unverified or inaccurate information on my credit reportand continuing to share it with third partiesunfairly damages both my credit standing and my reputation. I ask that you take this matter seriously and resolve it as soon as possible.

  Business Response

  Date: 02/17/2025

  Hi *****,
  
  Thank you for bringing your concern to our attention; we value the opportunity to address this matter and resolve it for you.
  
  Weve sent you an email with the requested documents attached, including an account summary and copies of the bills paid on your behalf. These documents provide the details we used to verify the accuracy of the account in question.
  
  We appreciate your patience and understanding throughout this process. If you have any questions or need further assistance, please dont hesitate to reply to our emailwe're here to support you every step of the way!
  

• Initial Complaint

  Date:02/05/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have tried adding my card for over a month and the representative ***** has give me a difficult time. Every time I try adding it it states card is locked then it locks my account. The payments is reporting negative because I am unable to add my card to pay these payments. I have numerous emails from ***** ****** ******* This is ridiculous!!

  Business Response

  Date: 02/11/2025

  Hi *******,
  
  Thank you for bringing this concern to our attention; we appreciate the opportunity to get this sorted out for you to your satisfaction.
  
  We apologize for the inconvenience you've experienced while trying to add your card to your account. We are pleased to let you know that we have taken action to resolve this issue, and we have sent you an email containing the complete details for your reference.
  
  Additionally, please be assured that we're committed to making sure that any impacted credit report will be updated.
  
  Thank you for your patience and understanding. In the meantime, we look forward to your soonest reply to our emailwe're here to support you every step of the way!

  Customer Answer

  Date: 03/05/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  The company has blocked my card again. I have sent several emails to no avail. I advised the company I would resend the email to BBB and I have yet to receive a response. Please see the attachment above for reference. 

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  ******* ******
  
  
  
  
   
  

  Business Response

  Date: 03/05/2025

  Hi ********
  
  Thank you for your continued communication with us. We appreciate the opportunity to ensure that your concerns have been addressed to your satisfaction. We understand the frustration youve experienced, and were pleased to inform you that the issue with your card has already been resolved.
  
  We want to assure you that weve taken the necessary steps to resolve the concerns you raised, and weve sent you a direct message via ******** Messenger along with an email, containing the complete details about the resolution and the actions we've taken. We encourage you to review both our chat and email for reference.
  
  We greatly value your patience and understanding throughout this process. If you have any questions or need further assistance, please feel free to reply to our email or DMwe're here to support you every step of the way!

• Initial Complaint

  Date:01/23/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with deferit, I do not have a contract with DEFERIT **** they did not provide me with the original contract as I needed

  Business Response

  Date: 01/24/2025

  Hi *****
  
  Thank you for bringing your concern to our attention. We understand the importance of clarity in all matters related to your account, and we appreciate the opportunity to address your concerns.
  
  We are committed to providing transparency and have sent you an email with the complete details regarding your agreement.
  
  We are dedicated to resolving the matter promptly and to your satisfaction, and we are here to support you throughout this process. If you have any questions or require further assistance, please don't hesitate to reply to our emailwe are eager to help!

• Initial Complaint

  Date:01/02/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was a user of their services and yes I admit I fell a little behind on my payment however I remedied that. I cancelled my subscription in September and was still charged a membership fee. I let it go thinking maybe I cancelled too late into the month and they just charged me anyway. However I was Charged for December for a subscription that I previously cancelled. I also received a new bank card in the midst of all of this and somehow they got a hold of my new bank card number. I checked the app and my subscription was reactivated? How ? I cancelled in September and if I dont what about Oct and Nov payments? Why wasnt I charged for those then? I want a refund and they are not taking me serious about my money! I am fed up with this company I just want my refund from the stealing my money out of an account they should have had NO access to

  Business Response

  Date: 01/03/2025

  Hi ******,
  
  Thank you for bringing this to our attention; we appreciate the opportunity to resolve this matter to your satisfaction.
  
  We are pleased to confirm that we have successfully processed the corresponding refunds in question and have emailed you the details for your reference.
  
  Thank you for your utmost patience and understanding throughout the process. If you have any questions or need further assistance, please don't hesitate to reply to our emailwe're here to support you every step of the way!

  Customer Answer

  Date: 01/04/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.
  
  Sincerely,
  
  ****** ******