Business Profile

Financing

Kroger Personal Finance, LLC

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Financing.

Complaints

This profile includes complaints for Kroger Personal Finance, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

238 total complaints in the last 3 years.
53 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.

Initial Complaint
Date:05/28/2025
Type:Customer Service 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 brother is 85 and recently out of the hospital. He is not supposed to be doing much and stays home because his wife has Alzheimer's. I bought them a Kroger grocery delivery gift card. Several people tried to communicate with Kroger or otherwise attempted to activate the card. I have called Kroger and emailed them repeatedly and now they have me dealing with ********* network. There are great multitudes of people having issues with card activation purchased through *********.
Business Response
Date: 06/06/2025
Thank you for contacting us and we are sorry the customer had an issue applying their Kroger Delivery Boost gift card to their account. We spoke with the customer and offered to assist them in applying the card or refunding it. The customer agreed to have the funds added to their account for their boost membership or grocery delivery service. An agent from our center was able to connect with the customer on 6/6/25 to walk them through completing that action. This has been resolved for the customer.
Thank you.
Customer Answer
Date: 06/09/2025
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.
I am happy to inform you that thanks to you, the Kroger company has graciously and professionally resolved the matter stunning from the purchase of the ********* Network (***) gift card. They were very nice about the matter. I am not quite sure what had gone wrong, but the many comments I found in reviews about *** online were a bit disheartening. I am hoping that ultimately it was some sort of technological glitch. I would hate to think otherwise. Thank you again for your help with this matter.

Regards,

***** ***********
Initial Complaint
Date:05/09/2025
Type:Sales and Advertising 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.
Your Receipt
Apple ****** ** *** *** ***** **** **** * ***** Barcode: **********************

Promotional Bonus $27
Total Paid Out $301
Seller

******** ********
******************* Payment Method

***** **********
Funds should post to your account within 24 hours.
Kiosk Location
Kroge************* ************** ***** *** *** ** *********** **** *****

Transaction Date
04/24/2025

Session ID
************************************
This money got send to another person's ***** and I called ****** and ***** to get my money and neither would help me. I lost a good device and 300 dollars when I'm pregnant and unemployment really needing the money. This money wad sent to the person that had my number but now I have it. Please get me my money!!!
Business Response
Date: 05/19/2025
Thank you for contacting us and we are sorry the customer had an issue with their transaction with ******. This complaint information was sent to ****** and they shared this response:

Hello
********,

Thank
you for reaching out about your recent transaction at an ****** Machine. We
reviewed your transaction and claim in full. On April 24, 2025 you visited a
machine located within a Kroger in ********* ****. You sold an ***** ****** ** *** *** *** ****. During the transaction, ***** was selected as the
preferred payment method. The ***** account input for the transaction was
**********. The payment shows as fully paid, which means the funds were
successfully transferred from our bank account to the ***** account selected.
Since the transaction has fully completed, we are not able to issue a secondary
payment. Rarely, these payments can return to us at day 31 if the account owner
rejected the payment. As of today, May 19,2025, the payment has not been returned.
We have your claim (*********) escalated to check again after May 25, 2025. If
the payment is returned to us, we will be able to issue you a new payment, via
check. Our Customer Care team will reach out with an update after this date.
Please let us know if you have any further questions or concerns.

Thank
you,
Haley
******
Customer Care
Claim:
*********
www.******.com
Initial Complaint
Date:05/04/2025
Type:Product 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 purchased $125 worth of gift cards at a Kroger store and accidentally left them behind. Despite having my receipt clearly showing payment and activation, both the store and Kroger customer service refused to provide assistance or escalate the issue. The store refused to review security footage or even take my concern seriously. I’ve exhausted every reasonable option and still have no support, reimbursement, or investigation into the lost gift cards.
I am requesting that Kroger investigate this matter properly, attempt to recover or deactivate and reissue the gift cards I paid for, and provide an explanation for the lack of customer service response and refusal to escalate.
Business Response
Date: 05/19/2025
Thank you for contacting us and we are sorry the customer lost their gift cards. This receipt information was sent to ********* (***), our gift card processor, and the cards still had their account balances. *** has voided the cards, a refund is approved for $120 that will go back to the debit card used for the purchase and this should post to their account within 7 business days.
Initial Complaint
Date:05/02/2025
Type:Sales and Advertising 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.
On April 27,2025, I requested to purchased a money order at Kroger's located on **** ****** ******** **** ******* ** *****, in the amount of $44.50. The cashier negligently printed the money order out for $45.50. The next day I went back to the store to the correct amount money order and was denied service. The store manager Fred M*****, refused to assist me, and directed his employees to assist me. Fred M***** offered no explanation for his denial to provide me service. I cannot use the money order for its intended purpose and want a full refund.
Business Response
Date: 05/19/2025
Thank you for contacting us and we are sorry the customer had an issue with their money order. This information was shared with the store and they responded that an email was sent to the customer on May 7th to invite the customer back for a refund. Please let us know if the customer received this email and returned to the store to resolve their concern.
Customer Answer
Date: 05/19/2025
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, reasons for rejection are included. The respondent failed to fully read my complaint, take it seriously and resolve it. I received an email from Kroger's stating that I would only receive a partial refund not the entire amount of the errored money order. In addition I do not live in ********* **. so that issue was not noticed from Kroger's response team. I live in ******* ** and the money order would have to returned at a Kroger's near me.

Regards,

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

Business Response
Date: 06/06/2025
The store shared they had sent an email to customer prior to our office receiving this complaint, this store email invited the customer to return for their refund. If the customer has not responded to that email or called the store, please have them contact store management who is happy to assist with refunding this transaction.
Thank you,
Initial Complaint
Date:04/22/2025
Type:Product 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.
This complaint is regarding my eGift Cards order from Kroger’s Gift Card online website. The order date was 12/12/24. My order number is ********. I attached my order confirmation to this complaint.

I ordered two $57.50 Treat Yourself eGift Cards on 12/12/24. I made this purchase during the sale: “Get a $7.50 bonus when you buy a $50 Treat Yourself eGift Card.” After I made the purchase on 12/12/24, I received an email with the two links to the two $57.50 Treat Yourself eGift Cards. I didn’t redeem the eGift Cards immediately. On 4/19/25, I tried to redeem the two eGift Cards by clicking on the two links in the email. When I clicked on the eGift Card links in the email, the links brought me to a page with a button that said “View your eGift.” When I clicked the “View your eGift” button, the same page kept looping. Clicking the “View your eGift”button didn’t take me to the eGift Card redemption page. I attached a screenshot of the looping page to this complaint.

I tried using different browsers such as ******, ******, and *******. I also tried normal browsing mode and incognito browsing mode. But the same looping issue happened. I tried a few more times in the next few days and the same looping issue continued. This is quite frustrating.

I don’t have issues redeeming other “One4All”eGift cards that were purchased through Kroger’s Gift Card online website. I have only trouble with these two $57.50 Treat Yourself eGift Cards.

I submitted a contact form about this issue on the Kroger Gift Card website but have yet to receive a response, which is why I am submitting this BBB complaint.

Please refund the $100 that I paid for the two Treat Yourself eGift cards or reissue the two $57.50 Treat Yourself eGift Cards ($50 + $7.50 bonus for each eGift Card), a total of $115.
Business Response
Date: 05/08/2025
Thank you for contacting us and we are sorry the customer is having an issue with their gift card purchased online through ********* ******* **** We have sent this information to Blackhawk to investigate and respond to this concern. We anticipate receiving a response withing 5 business days.
Thank you.
Initial Complaint
Date:04/02/2025
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 hope this message finds you well. My name is ******* ******, and I am writing to express my deep frustration and concern regarding a promotion I was offered at the **** stall at Fred Meyer in ********* on February 20, 2025.

At the time of my upgrade, I was assured that by trading in my ****** ** ***, I would receive a free upgrade to the ****** ** ***, with no additional cost beyond paying taxes on the new device. However, after contacting customer care a few days later, I was informed that I would have to pay $13 per month for 36 months for the new phone, which contradicts the promotion details initially provided to me.

Upon further investigation, I learned that the charges appear to stem from a supposed difference in the trade-in value of my device and the cost of the new ******. This directly contradicts what I was promised by the **** representative at Fred Meyer. I also have a written confirmation of this promotion from the **** agent, which clearly stated there would be no additional cost for the phone.

To add to my frustration, I initiated a trade-in request, and customer service informed me that I would receive a box to return my ****** ** ***. However, when I followed up a week later, I was told that no record of this trade-in exists in your system. Despite being given an invoice number for the return box, customer service denied its existence, leaving me with no option to return the phone and forcing me to pay the full price.

I feel misled, and each interaction with customer support has provided conflicting information. This situation is unacceptable and seems to involve a breach of trust. I respectfully request immediate clarification on this matter and a resolution that aligns with the original promotion terms.

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Business Response
Date: 04/21/2025
Thank you for contacting us and we are sorry the customer had this experience. We sent this information to **** for review and to respond. We received an update their call center team was able to connect with the customer on 4/18, the correct billing promotion was applied to their account and a courtesy credit was provided. **** advised the customer was happy with the resolution.
Thank you.
Initial Complaint
Date:03/10/2025
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 purchased these 2 gift cards on Jan 2. When I mailed them th my grandchildren there notified me that the cards were missing the last 2 digits and were no good. When I contacted Smiths I was told they couldn't do anything about it and I needed to contact ***** customer service. I have never been able to reach ***** customer service. I even drove across the city to an ***** store and was told that they could not help me. Now I am stuck with 2 faulty cards and am out $55. I believe these cards were tampered with in the store and Smith's is selling bad cards to the public and making money doing it. I would like a refund of my money from Smiths or assistance from ***** as to what to do with their faulty cards as I am out $55.
Business Response
Date: 03/25/2025
Thank you for contacting us and we are sorry the customer had an issue with their gift cards. We sent this information to ***** for review and a refund was approved. We spoke with the customer to confirm the refund and her mailing address, the check should arrive within 10 - 12 business days in the mail.
Thank you and we apologize for the inconvenience.

Customer Answer
Date: 03/28/2025
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.

Regards,

***** *******
Initial Complaint
Date:01/29/2025
Type:Sales and Advertising 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 made several attempts to purchase a Kroger Gift Card on their website and ********* ******* has declined my purchase stating it is fraud. I have made several phone calls to Kroger and ********* trying to get this issue resolved without any resolution. None of the information I have entered is fraudulent. The only information that has changed since my last purchase is my credit card number which my credit card company has changed. ********* hasn't even requested authorization from my credit card company. They have declined my purchase before requesting authorization. My case numbers are **********...**********...********** all stating order cancelled FRAUD. This is not fraud!!! I would like this issue resolved so I can continue to participate in promotions Kroger offers regarding gift card purchases.
Business Response
Date: 02/07/2025
Thank you for contacting us and we are sorry the customer is having an issue with their gift card. We are investigating this concern and will respond within 2 business days.
Thank you and we apologize for the inconvenience.
Customer Answer
Date: 03/04/2025
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, reasons for rejection are included below.

I have not heard from the business. I am not able to purchase gift cards from Kroger online. They keep
denying my orders. I'm not able to participate in any of the promotions they email me such as extra
fuel points or discounts on gift cards. I have been able to do this in the past and all of a sudden in
January my purchases have been denied.

Regards,

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

Business Response
Date: 03/11/2025
Thank you for contacting us. The purchase of gift cards online is through Gift Card Mall and is operated by ********* ******** ***. We request the BBB submit this complaint to ********* for review and response to the customer's concern on this transaction.
Thank you.

Business Response
Date: 03/27/2025
3/27/25 - We sent this information to ********* and asked that they investigate and respond to this customer on their concerns with their online gift card orders, the status and decisioning. We have asked them to confirm once this has been completed and we will share another update once we receive an update.
Thank you.

Customer Answer
Date: 03/29/2025
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, reasons for rejection are included below.

It is Customer Appreciation Week at King Soopers so I'm hoping that Kroger will go to bat for me. I have also filed a BBB case regarding ********* ******* ********* ***. to no avail. ********* ******* ********* ***. states they uses a multi-layered fraud-screening approach to review every consumer order it receives. This approach involves inputs from several third parties that provide specialized fraud-screening services, as well as a variety of internal procedures. The company constantly reviews and calibrates this approach with the sole goal of rejecting fraudulent orders and approving non-fraudulent orders. They never shares any details of their fraud screening approach with any customers who have had their orders rejected. They are comfortable with the accuracy of our process, they do realize that no screening process is perfect and, unfortunately, sometimes good people are impacted. I am a good person and am not trying to commit fraud. I was able to purchase gift cards from Kroger without a problem until the new year. Please look at the history of my account. ********* ******* ********* ***. isn't even sending the information to my credit card company to give them a chance to approve the transaction. I would like to be able to participate again in promotions that I receive from Kroger regarding their gift card (extra value added or a discount applied and 4 times the fuel points). These offers are only offered online and not in the stores. I am constantly receiving emails from Kroger stating Linda don't miss out on your gift cards today or Forgot something your gift card awaits! Why are these being sent to me if my purchases are not being approved. Whatever fraud screening ********* ******* ********* ***. is using is not correct. I would like to speak to someone that will help get this issue resolved and verify my information. I'm hoping that Kroger will appreciate me as a good customer during their Customer Appreciation week. If Kroger values me as a good customer they will help me get this issue resolved. I doubt a fraudster would go to this length to commit fraud.

Regards,

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

Business Response
Date: 04/11/2025
This information was sent to ********* to investigate and respond to this concern. Please see the update we received today:
On April 8th, following
the investigation of this BBB complaint, our team informed the customer that due
to the dispute received from her financial institution alleging that the
purchase was fraudulent, our system is currently preventing her from placing gift
card orders. We also suggested that if the chargeback was made in error, she
should contact her financial institution to request the chargeback reversal.
Once the discrepancy is resolved, she will be able to process orders with us.
After sending this information via email, the customer requested a callback,
which was made today. Unfortunately, she did not answer our call. We will
continue to follow up to provide additional assistance if needed.

Customer Answer
Date: 04/11/2025
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, reasons for rejection are included below.

After numerous requests ********* has finally informed me that the reason I'm not able to make purchases is due to the chargebacks from my credit card company. I had fraud on my account on December 27, 2024 for 3 ******* Gift Cards that were not purchased by me. My credit card company notified me immediately and blocked my account and changed my account number. First of all I should not be responsible for charges that were not initiated by me. These are fraudulent. ********* is telling me that in order to do business with them I should have these chargebacks reversed which means I need to pay for something I did not purchase or benefit from. Once I knew what the issue was I reached out to **** **** which processed the transactions and they told me that the funds were still on the gift cards and blocked. If ********* would have handled the charageback correctly they would have drained the gift cards and credited my account. If I was to have these chargebacks reversed ********* would be unduly enriched...they would have the funds back from my credit card company and the funds on the gift cards. This whole situation has not been handled professionally. Currently ********* has not taken a loss because the have the funds on the blocked gift cards and I have received a credit on my credit card statement. We are even. I do have concerns as to where my information has been compromised. I have done business with ********* in the past and they have my credit card information and email address.
No ********* did not reach out to me as they say they did. I am willing to submit copies of my phone records to prove this. I have addressed this with them and finally did receive a call.
I want this issue resolved and to be able to purchase gift cards online without any issues.

Regards,

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

Business Response
Date: 04/18/2025
Hello,

We
are sorry the customer still has questions and concerns with their account and
ability to buy gift cards online through *********.
We
requested when we received this complaint it be directed to ********* the
processor. We shared the complaint details with ********* and asked them to investigate and respond. ********* shared their response with us
and we provided that information in this case on 4/11. At this time, *********
responded with their findings and decision. Any further inquiries should
be directed to ********* ******** ***. on concerns with the chargeback and the
customer's account.

Thank
you.
Customer Answer
Date: 04/21/2025
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, reasons for rejection are included below.
I have spent countless hours trying to resolve this issue with ********* *******. I was hoping since Kroger uses ********* ******* to process their gift card orders they would support me with this issue. Unfortunately due to fraud being committed using my information ********* has banned me from purchasing any gift cards online. I am unable to speak to anyone at their corporate office for assistance. Meanwhile I keep receiving emails from Kroger for gift card promotions and then I get a follow up email stating...Still thinking it over? We noticed you were eyeing this gift card, and we totally get it—it's hard to resist! If
you’re still deciding, why not explore some of our most popular gift
card categories? Whether it’s for you or a loved one, there’s something
for everyone. Your perfect pick is waiting!
I would like to have some assistance in getting this issue resolved.

Regards,

***** ********
Initial Complaint
Date:01/14/2025
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.
Received my rewards every 3 months. The last one was a lot, so I finally thought I would cash out. (Picture included) I was delighted it was around 500.00 so I put in a request (picture included) and was told it would be awhile before I received it. I waited, checking the mail every few days. I called and was told they would send it again. After a month I call again and they assure me this time I would get it in about 30 days. This time I put it on my calendar. Still nothing. I have photos of my rewards that could not be cashed in from when they were changing from **** to ****** ****, I had the same issues calling customer service many times, finally gave up and decided to get a new charge card at that time. But now I am dealing with it again.
Business Response
Date: 01/29/2025
Thank you for contacting us and we are sorry the customer experienced difficulties in redeeming their rewards through their ** ****, ********** credit card account. The pictures of the rewards notices in red, these are from a discontinued program but the bank applied these credits to their rewards account. When the customer redeemed their rewards and requested gift cards, the customer contacted the bank, notified they hadn't received them, and the bank voided the gift cards and placed the rewards points back into their account to select other redemption options. The bank shared the rewards have been redeemed for cashback or credit to their account. If the customer has any further questions, please call ** **** at the number on the back of their card. An attempted to call the customer to confirm they were able to redeem these rewards successfully was made but the message on their voicemail stated "their mailbox is full".
Thank you and we apologize for any inconvenience.
Initial Complaint
Date:01/09/2025
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 have an ****** gift card that was purchased in a ********** Kroger store for $100. When I opened the package, I noticed the claim code numbers had been filed off. I first contacted ******, who told me to go to the point of sale for assistance.

I have learned this is part of a big scam where scammers steal the cards at point of sale and return them after filing the activation numbers off. They are useless to the consumer because their value is immediately stripped before the customer has a chance to use them.

I have spent the last six months being toyed with by the customer service team at Kroger, who has had me do everything from take pictures of the gift card, provide the first six digits of my credit card, get a physical copy of the receipt, and every time I abide by their request there is no follow up. When I call to get updates, they make up a new reason why they won't help me. The latest is that I should be talking to ******, even though this is a known issue that happened in their store, and they have changed their security measures to attempt to resolve it.

Even writing the company president only resulted in a canned response from the same customer service team.
Customer Answer
Date: 01/15/2025
This was purchased May 9th, see attached. The Kroger loyalty number used was: **********
Business Response
Date: 01/24/2025
Thank you for contacting us and we are sorry the customer had an issue with their gift card. This case was escalated to the gift card brand, ****** for review. In our case notes the customer was provided an update the refund was approved, a check was mailed 1/20/24 and should be received within 10 business days by mail.
Thank you and we apologize for any inconvenience.

Customer Answer
Date: 01/28/2025
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.

Regards,

****** *****

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Kroger Personal Finance, LLC is NOT a BBB Accredited Business.