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:12/26/2024

  Type:Customer Service 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 used Deferit service. They turn your regular bills into credit reporting like a credit card to help build credit. It was fine until my last $19..74 (4 of 4 installments) for a pseg bill I used then for. They claimed my payment was declined by ****/failed. This made no sense. As funds were more than available. I called my bank. My bank had not received a request from deferit to charge my that amount. While on ohonevwith bank I attempted pay it again. I pay all my deferit bills weeks before due. ******* confirmed no request to charge me $19.74 reached them. Yet deferit said payment failed lack of funds. I had another bill with them for installments of $*****. Right after the $19.74 failed i paid the last two $***** installments. That equal $30.10. Those requests reached my babk immediately. I was able to pay. They were not due for weeks 1st chsrged *****& months for other. I contacted deferit with this info via their email cos service as no number. They didn't respond or fix. I attempted pay this over & over with my bank on the line. Each time my bavk confirmed no request by deferit was made. Yet deferit failed payment. I did this over & over. Each time emailed then for help. They have never responded or fixed. They reporting negativity to credit agencies. Now refusing to allow my to pay my last bill with them. Until this I paid Each bill with them weeks before they were due. They will not respond. Will not fix. They are impacting me negativity. I need help. They need to be held responsible *** sent them documentation proving funds were available. ********** never received request by them to charge me that amount since the 3rd installment. They have been provided everything to prove this their error. I have reached out countless times. Still no response or fix from deferit. Please help.

  Business Response

  Date: 01/02/2025

  Hi ********,
  
  Thank you for bringing this to our attention; we truly appreciate the opportunity to resolve this matter to your satisfaction.
  
  Upon reviewing your account, we have sent you an email, outlining the details to address your concern accordingly.
  
  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! Thank you for your utmost patience and understanding.

• Initial Complaint

  Date:12/06/2024

  Type:Sales and Advertising 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.

  On October 23, 2024, I submitted a bill to Deferit to be paid. It totaled $316 with the payments split into four payments of $79.99. They charged the first installment payment and claimed the bill payment ($316) was sent to *******. As of October 29, my Xfinity account had not be credited the $316, so I reached out to Deferit via email - the ONLY way to reach them. After NO response, I reached out again on 11/5/24, 11/20/24, 11/27/24 and again today (12/5/24). I've been told this had been submitted to "back office" for escalation. I have provided proof from ******* that the payment has not been received, yet here we are with Deferit holding my money, saying they have provided a service for which I paid. This is FRAUD!

  Business Response

  Date: 12/09/2024

  Hi ****,
  
  Thank you for reaching out and for bringing this to our attention; we value the opportunity to sort this out for you to your satisfaction.
  
  We are pleased to confirm that we have successfully processed the payment of your Xfinity bill, and we have sent you an email with the complete details for your reference.
  
  Thank you for your patience and understanding. If you have any further questions or concerns, please dont hesitate to reply to our emailwere here to support you every step of the way!

  Customer Answer

  Date: 12/10/2024

  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:

  [Your Answer Here]

   And on two different occasions, I have provided your company the screenshots above that show this payment has not been received by Xfinity.

   

   

   

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

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

  Business Response

  Date: 12/19/2024

  Hi ****,
  
  Thank you for bringing this to our attention; we truly appreciate the opportunity to resolve this matter to your satisfaction.
  
  After a thorough review, we're pleased to confirm the following actions have been successfully completed:
  
  A refund of $29.98 for the monthly subscription fees for November and December was processed on 12/10/2024.
  Due to a system error, we reprocessed the refund for two installments of $79.99 each, totaling $159.98, on 12/16/2024.
  
  These refunds should be reflected in your account within 5-10 business days from the date of successful processing due to bank processing times. We sincerely appreciate your utmost patience and understanding throughout this 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: 12/19/2024

  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:12/04/2024

  Type:Billing 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.

  To Whom It May Concern at the BBB,I am writing to file a formal complaint against Deferit, regarding an account listed on my credit report with a balance of $758. I have made multiple attempts to resolve this matter with Deferit, but I have been unable to receive proper clarification or assistance.I contacted Deferit to validate and resolve this account. However, I was directed to Indebted, which they claimed manages this debt. Upon reaching out to Indebted, I was informed that they do not have my account. This leaves me in a position where the account remains on my credit report with no clear resolution.The following issues are my main concerns:1.Deferits failure to provide validation or supporting documentation for the debt.2.Inconsistent information about the accounts management, leaving me unable to resolve the issue.3.The harm caused by this unresolved matter, as the inaccurate listing negatively affects my credit score and financial stability.I am requesting the BBBs assistance in holding Deferit accountable for:1.Providing clear documentation and validation of the debt if they still manage it.2.Ensuring the removal of the inaccurate information from my credit report if they no longer manage the account or cannot validate it.I am seeking a fair resolution to this issue, as this account is causing harm to my financial health.Thank you for your attention to this matter. I am hopeful that with your assistance, this issue can be resolved promptly.

  Business Response

  Date: 12/16/2024

  Hi *****,
  
  Thank you for reaching out and in bringing your concern to our attention. We value the opportunity to get this sorted out for you.
  
  We want to let you know that we've sent you an email containing the details with regard to your outstanding balance and your respective request in line with your credit.
  
  If you have any questions or clarifications, please don't hesitate to reply to our emailwe're here to support you every step of the way! Thank you for your patience and understanding.

  Customer Answer

  Date: 01/02/2025

  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:

  To Whom It May Concern,
  
  I am writing to follow up regarding my unresolved complaint with Deferit. Despite an email from the company two weeks ago stating that they would escalate the matter, I have yet to receive any resolution. In the meantime, they continue to report negative information on my credit report, despite my numerous attempts to address the issue.
  
  Deferit has provided me with conflicting information about the account, including initially stating who holds the account and now failing to provide any information at all. Last week, I sent a follow-up email to their Escalations Manager requesting that the matter be resolved before the close of 2024, but I have not received a response.
  

  If Deferit no longer holds the account, I am formally requesting that this issue be resolved and the negative information removed from my credit report immediately.
  

  Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
  
  Sincerely,
  
  ***** **************

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

  Business Response

  Date: 01/07/2025

  Hi *****,
  
  Thank you for your patience and collaboration; we truly appreciate the opportunity to resolve this matter to your satisfaction.
  
  We're pleased to let you know that we've replied to your email with details with regard to sorting out your credit report as outlined in our agreement.
  
  Thank you again for your patience and understanding. If you have any questions or need further assistance, please don’t hesitate to reach out to us via email—we're here to support you every step of the way!

  Customer Answer

  Date: 01/12/2025

  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:11/25/2024

  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 has mishandled my account and been unresponsive for over a week. My account is locked, and despite repeated attempts to contact them, they have not resolved the issue or communicated effectively.Deferit is demanding I email a photo of my credit card and a selfie with my drivers license to unlock my account. This request is extremely concerning because email is not secure, and sending sensitive information this way puts me at risk of identity theft or fraud. When I raised my concerns, they claimed my case was escalated, but they stopped responding. Although they claim to reply within 24 hours, it has been days since I heard *********** payment is now overdue because of their delays, and this will likely harm my credit score. Deferits lack of urgency and disregard for their customers concerns is unacceptable.I am asking the BBB for assistance. I want Deferit to unlock my account immediately without requiring me to send sensitive information through insecure email. Their unresponsiveness and poor handling of this situation have caused unnecessary stress and financial risk, and I hope the BBB can hold them accountable.

  Business Response

  Date: 11/26/2024

  Hi ********,
  
  We're sorry about the difficulties you have encountered with your account. Thank you for bringing this matter to our attention and for the opportunity to sort this matter out.
  
  We are pleased to inform you that your account has been successfully unlocked, and we've sent you an email containing 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! Thanks again for your patience and understanding throughout the process!

• Initial Complaint

  Date:11/11/2024

  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.

  So I thought this would be a good program for me being that my credit is not to bad and I work a great job . I was told I was approved for 500 before adding the subscription but once added and into the system I was only approved for 100 with 40$ deposit FOR 3 months on each time I pay . This company is a scam and its scary that it working as a LEGIT scam . I was a refund for my account it was not open for more than 24 hours I have been requesting a refund and was given a automated email response I just want my refund for the subscription times are very hard and I can barely afford my rent so I need my 30$ it can be used for the bill instead of the *** please this is my 6th email to this company I just want my refund I never used your service it was started NOV 6TH 2024 and ended the same day I need my refund PLEASE

  Business Response

  Date: 11/11/2024

  Hi *******,
  
  Thank you for bringing this to our attention; we appreciate the opportunity to sort this out for you.
  
  We are pleased to confirm that we have successfully processed the full refund of the subscription, and we have sent you an email with the full details of the refund
  
  If you have any further questions or need additional assistance, please feel free to reply to our email. Your feedback is incredibly valuable to us, as it helps us continuously improve our service.
  
  Thank you for your patience and understanding.

• Initial Complaint

  Date:11/11/2024

  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.

  My deferit account was paid off and it still shows a balance of 300 dollars when I dont owe that and keeps trying to charge my bank card and I been with them a long time and needs to be fixed

  Business Response

  Date: 11/12/2024

  Hi ******,
  
  Thank you for bringing this to our attention. We understand the importance of having your payment accurately reflected, and we're committed to ensuring that everything is updated so you can continue enjoying our services without any issues.
  
  We have sent you an email outlining the details to ensure the prompt unlocking of your account.
  
  Thank you for your utmost patience and understanding throughout this process. If you have any questions or need further assistance, please don't hesitate to reply to our emailwe're here to help!

  Customer Answer

  Date: 11/13/2024

  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:

  I'm rejecting this request because I don't owe a balance on the account because i paid all my payments to and y'all taking money from my bank account and I want this fixed so I can start using this service again for bills every time I call them they don't pick up the phone 

   

   

   

   

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

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

  Business Response

  Date: 11/19/2024

  Hi ******,
  
  Thank you for your continued communication with us; we value your collaboration in keeping us updated and ensuring we stay aligned.
  
  After carefully reviewing our records, we are thrilled to confirm that we have reached a resolution and have sent you an email with the details.
  
  Thank you for your utmost patience and understanding throughout this process. If you have any questions or need further assistance, please feel free to reply to our emailwe're here to help!
  

  Customer Answer

  Date: 11/20/2024

  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:08/26/2024

  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 have a fraudulent account being reported by Deferit on my credit report due to this my credit score has dropped tremendously . I am not sure how this fraudulent account was opened in my name but I never authorized this account . I didn't even know about Deferit till I checked my credit report. I take great pride in maintaining a high credit score and paying my bills on time. I need this fraudulent account removed it is not mine. I have attached an FTC report

  Business Response

  Date: 08/26/2024

  Hi *****, 
  
  Thank you for bringing this to our attention. We want you to know that we take these matters very seriously and are here to support you through this. We've sent you an email requesting additional information to help us investigate further. We're committed to assisting you and getting this resolved. Thank you again for your patience and understanding as we work through this together.

• Initial Complaint

  Date:08/20/2024

  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 keep receiving failed payment notices sent to my email claiming that I owe $152.28. I don't owe them any money. I paid off my balance months ago. They are attempting to double charge me for a bill that I already paid. This seems like a scam and I am surprised because I thought highly of Deferit.

  Business Response

  Date: 08/20/2024

  Hi *****,
  
  We apologize for the inconvenience caused by the incorrect payment notifications, and we appreciate you bringing this to our attention. We're happy to confirm that your account is up to date with no outstanding balance, and we appreciate your patience as we resolved this issue.
  
  Our team is actively working to address the glitch that caused these messages. Weve also sent you an email confirming that your account is now in good standing. Your feedback is incredibly valuable and helps us improve our service.
  
  If you have any further questions or need assistance, please dont hesitate to reach out. Thank you for being a valued customerwere here to ensure your continued satisfaction.

• Initial Complaint

  Date:07/25/2024

  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 is not Sending proof of payment to credit bureaus at all! And theyre saying because i didn't pay the membership fee again that they will not fix it! Credit score dropped 99 points then the next day 50 points due ti this matter. As of 7 days later it is still not reported and they declined reporting it. Cause of late membership fee payment DO NOT USE THIS COMPANY! This will take me years to fix! All my hard work gone!

  Business Response

  Date: 07/30/2024

  Hello ******,
  
  Thank you for bringing this to our attention. We understand how crucial it is to keep your credit score up to date, and were really sorry for any stress caused by the account lock. At ********************, our goal is to help you manage your bills and improve your credit score.
  
  Weve reviewed your account and sent you an email with details on how your payments were reported and the steps to unlock your account.
  
  If you need any help with upcoming payments or if youd like us to assist with extending your payment schedule to avoid future late reporting, please let us know. Were always here to help.

• Initial Complaint

  Date:07/22/2024

  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.

  Two issues: first submitted bill for Mosaic Apts. Deferit stated they had to send a paper check. The paper check did not have my name or anyway for the receiver to know the check was pertaining to my account. I finally asked for a stop payment to be issued they advised they would refund my first installment to the original form of payment. My bank closed the account and card due to possible fraud I asked Deferit if they could mail a check. All they tell me is they sent it to the back office with no other explanation. Here it is almost one month later and no one has been paid. I need my refund asap. Second issue; I sent a second bill for spectrum. Deferit stayed payment of $ 100 was made on 7/19/24 this is a lie as spectrum has not received it. Seems Deferit is lying to their customers and keeping our money. I work from home and need my internet and Deferit is really making this difficult. Payment to spectrum still not made.

  Business Response

  Date: 07/23/2024

  Hi *******,

  Were really sorry for the trouble youve faced and appreciate the chance to resolve your concerns.

  For the Mosaic Apartments bill, we understand how important it is to handle payment details correctly. Weve processed your refund and stopped the check payment as you requested. You should have received a refund receipt and a confirmation number to help you trace the refund from your closed account to your preferred account.
  Regarding the Spectrum bill, there was a delay due to a ********* outage affecting our systems. Weve now reprocessed the payment and sent you an email with the updated confirmation details. We know how crucial a reliable internet connection is, especially when working from home, and we hope your internet is now up and running smoothly.We are here to ensure all your concerns are resolved to your satisfaction. 

  Customer Answer

  Date: 07/30/2024

  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,
  
  ***********************************