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Business Profile

Financial Technology

Deferit, Inc.

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Financial Technology.

Complaints

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

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Deferit, Inc. has 2 locations, listed below.

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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

    Customer Complaints Summary

    • 104 total complaints in the last 3 years.
    • 62 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:06/07/2024

      Type:Product Issues
      Status:
      Resolved
      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 uploaded my ************* bill on April 30th. Received an email that my bill was processed on May the 1st. Here we are on June the 7th and ************* still haven't received payment and I have made 3 out of the 4 payments already. I reached out to deferit 4 times and the 1st 2 times they said it was paid on May 1st and provided the receipt number. The last 2 times they have said a ticket was failed and somebody will get back with me but I haven't received anything letting me know they hangup or the problem as to why my bill hasn't been paid at ******* Power yet. The bill was 139 then and now it's continuing to go up plus late fees because it seems as though I haven't paid my bill.

      Business Response

      Date: 06/10/2024


      We've thoroughly investigated the payment matter and found that it didn't post to your account as expected. As per your request, we've processed the refund for the payment and included a complimentary coupon as a token of appreciation for your understanding during this inconvenience. Please check your email for further details on the follow-up process. Rest assured, we're here to ensure that your concerns are fully resolved to your satisfaction. If you have any questions or need further assistance, please don't hesitate to reach out.

      Customer Answer

      Date: 06/14/2024

      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:06/05/2024

      Type:Service or Repair Issues
      Status:
      Answered
      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 paid this company ***** to paid my ****** ATT bill, they stated to me that it has been paid. Well that is a lie. My service has been shut off and I had to make the payment myself to get my service restored also was charged a ***** fee for disconnection, and they yet to have paid it or even response to me.

      Business Response

      Date: 06/05/2024

      The customer's bill was processed and paid on June 3rd via ACH. The standard timeframe to reflect on ******** end is 2 to  3 business days. Responded to customer's email and provided a copy of the transaction receipt. Also advised that we do not encourage uploading of bills that are already due at the time of upload or due the next day since our processing time is 1 to 2 days. 

    • Initial Complaint

      Date:05/30/2024

      Type:Order Issues
      Status:
      Resolved
      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.
      Paid two TmObile bills using deferit each had a pay direct deposit one in the amount ***** and one in the amount of 100. According to their website fdeposit last will be released once bills have been paid. All bills have been paid with no outstanding balances yet they will not release my refunds. Reached out to customers 12 times with no response

      Business Response

      Date: 05/30/2024

      The Customer is confused between Pay Extra (she refers as Pay Direct) and Security Deposit. Reached out to customer and explained the difference. 

      "Pay Extra is when your available limit is insufficient to cover your total bill amount. For example, if your available limit is $100, and your bill amount is $200, for us to be able to pay your bill, you will be adding extra $100 upfront, then the remaining $100 will be divided into four installments. 


      On the other hand, Security Deposit is required for new account owners who did not meet certain parameters of our account verification process and is fixed to $19.99 amount. This is refundable once you completed your installments for that certain bill, where in your case, Security Deposit is not required."

      Customer Answer

      Date: 05/31/2024

      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:05/29/2024

      Type:Product Issues
      Status:
      Answered
      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 a scam! They hide all sorts of fees that you are not interested in. They claimed they saved me $240 and now expect me to pay them $120 of it but I was not interested in the first place. They should tell you these charges and you should be able to deny or accept them. I dont have an extra $120 for a phone call I could have made myself. Now, I cant cancel because of this charge. I want a refund for my membership and my account deactivated! They are deceiving.

      Business Response

      Date: 05/30/2024

      Reached out to the customer informing her that the bill savings were already cancelled and her account deactivated. Informed her also that a coupon was applied to her account for the membership fee, there should be no charge on her card. Asked her to provide us with a screenshot of the charge so we could further investigate and refund if applicable. 

    • Initial Complaint

      Date:05/20/2024

      Type:Product Issues
      Status:
      Resolved
      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 promised a free month of service and never received it. So I signed up anyway and contacted customer service. I was told they would send a request to their back office team for a refund. *** followed up twice and have not received a response. I sent another email with an additional question asking if I cancel my account, would I still be charged the monthly fee for my outstanding payment.

      Business Response

      Date: 05/20/2024

      Hi *******,


      Thank you for your patience. Our back office team was dealing with a high volume of requests, which caused the delay. We sincerely apologize for the wait.
      I'm pleased to inform you that they have processed a coupon for your next billing cycle. Additionally, because this is not the experience we want for our customers, I've applied an extra coupon, giving you the next two months free with us. I hope this helps improve your experience.

      Customer Answer

      Date: 05/21/2024

      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:05/17/2024

      Type:Service or Repair Issues
      Status:
      Resolved
      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.
      This company lied saying the found $450 in saving and that I would have to pay them half of my saving with I weird. ******* sent me an email telling me that I would be getting a $30 loyal customer discount. This company just hit my bank account for $57. This is after the fact that I emailed them about the same situation. Letting them know that because they lied and are trying to get extra fund from me I did not want there service. I would paying them for the phone bill they paid and thats it. I do not want nor need them negotiating anything for me especially after getting the email from ******* saying something different. They ignored the email and still took money out of account.

      Business Response

      Date: 05/19/2024

      Cancelled the bill savings and refunded back to the customer's account. Sent email to *********************** informing her of the resolution. 

      Customer Answer

      Date: 05/20/2024

      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:05/17/2024

      Type:Service or Repair Issues
      Status:
      Answered
      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 signed up for this service, thinking I could make a timely payment on my utility bill.Well, come to find out, the service could take days to process, unfortunately I do not have that long. Ive already paid the $14.99 sign up fee, then I paid the $55 installment for my electric bill.There is no confirmation on when my bill will be paid, and no way to contact Deferit for more details.I would just like a refund on all services.

      Business Response

      Date: 05/19/2024

      The customer's bill was already successfully processed. She also sent another email saying "Never mind. I am satisfied". 

    • Initial Complaint

      Date:05/15/2024

      Type:Order Issues
      Status:
      Answered
      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.
      They agreed to pay a bill for me online as a courtesy to help me in getting paid asap. HOURS later they finally tell me they didnt have to option to pay the amount I specified and had to pay the amount of $289.56 given on my billers page and asked how I wanted to proceed. I told them to go ahead and pay the $289.55 then and just adjust my last three remaining payments to compensate. Its almost end of business day, and my ******************* shows pending. They simply do not take urgency seriously with paying bills, when youre jumping through hoops to give them what they asked. No regards for the customer and the stress they cause you at all!

      Business Response

      Date: 05/15/2024

      Our management already reached out to *************************************** and advised that we've successfully processed the payment to his Insure on the Spot bill and adjusted the installments accordingly. We have enclosed proof of payment confirmation in the email for his reference and he may provide it to his ****** for them to locate the payment. We are waiting for the customer's response if he was able to view the attachment. 

      Customer Answer

      Date: 05/17/2024

      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:

      The payment still isnt showing on their end .  Please call them at ************ to resolve !

       



      Sincerely,

      ***************************************




       

      Business Response

      Date: 05/22/2024

      Hi ***********,

      Firstly, we apologize for the delay in resolving this issue. We understand that this is not the experience you expect from us.
      To provide some context, our team made a special exception to pay this bill online for you. However, the amounts did not match up on the ******** website, and we had no way of modifying it. We then requested your approval for the new amount and processed the payment within one business day. We understand that this was an inconvenience, and we appreciate your patience and understanding as we worked through the necessary steps to resolve this issue on our end. We hope that with this issue being resolved and with the bill being paid online as a one-time exception, we have met your expectations.

      Please let us know if you have any further questions or concerns.

    • Initial Complaint

      Date:05/06/2024

      Type:Product Issues
      Status:
      Resolved
      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 signed up and they said they couldnt find my social so I canceled the subscription and they didnt give me my money back and their email helpers keeps asking me if I want to deactivate my account and I just want my refund

      Business Response

      Date: 05/06/2024

      H* ******

      Thanks for raising this issue. Upon investigation, we have found the reason why you were unable to verify and use your account was due to you creating multiple accounts. We only allow for one account which our agent was trying to assist you with. That being said, the refund was already processed when we deactivated your account. If you do not see the refund reflect on your account in the next 5 - 10 business days, please get in contact with us.

      Customer Answer

      Date: 05/08/2024

      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:05/03/2024

      Type:Billing Issues
      Status:
      Answered
      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 contacted Deferit several times to close the account and they have not done so. I submitted a claim through my bank to stop payment and now Deferit is requesting money to be returned to them from the claim. I initially requested the account be closed several months ago because I no longer use this account and cannot afford to pay for something that I don't use.

      Business Response

      Date: 05/03/2024

      Hi ********,

      Thank you for reaching out to us about your account closure and refund request. We're sorry to hear about any confusion or inconvenience you've experienced. It appears there was a misunderstanding as we were awaiting confirmation from you to proceed with closing your account. However, understanding your situation, we have taken the initiative to close your account and refund the monthly fees you've incurred since your initial request.

      Please expect to see the charges reversed in your account within the next few business days. We value your satisfaction and appreciate your patience throughout this process. If there is anything more we can do to assist you, please let us know.

    Deferit, Inc. is NOT a BBB Accredited Business.

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