Deferit Reviews

Summary: My experience with Deferit has been anything but grand or pleasant. My limit was 300 dollars after already paying 950 dollars worth of bills on time. I attempted to use that 300 dollars to pay a rent bill well over that amount but figured I'd at least be able to split the 300 dollars portion into payments. Ha! I submitted the bill and got a message that I could use 100 of the 300 dollars. If I wanted to use the remaining 200 dollars, I would need to reupload the bill, pay off the first two payments of the first installment, and then they'd pay another 100 dollars. Then if I wanted to use that final 100 dollars, the same process, so what was once a 300-dollar limit they "so graciously provided me with" is now 200-dollar. When you try and reach out to them, it takes almost two weeks for them to answer, and when they finally do answer, they send you a script they pulled from their site, and it doesn't even answer your damn questions. Stay far away from them!!

Positive: Absolutely no pros! Nothing about this company seems legitimate, and every time you "follow their rules," they decrease the amount of the limit they've provided you for paying on time.

Negative: Plenty of cons, and I've got them all listed below.

Summary: My mom has had a catastrophic illness and is hospitalized. Deferit has done nothing but harass and humiliate my mom. She had a massive stroke and is having to learn all aspects of life over. Despite me contacting Deferit on my mother's behalf explaining the situation they keep sending nasty and humiliating messages and emails to her. We don't know if she will survive but they will not stop. She has lost everything due to her illness.

Positive: Nothing.

Negative: Cruel treatment.

Summary: Too complicated. Support that cut off my call and sent a summary of the support chat to my email thinking they had resolved my issue by ignoring most of my questions. Think I'll stick to just paying my bills myself when they are due. The fees are excessive and unconscionable and now I need to get an independent ombudsman body involved for the 2nd time in 6months. Beware - Steer clear!

Positive: That you could pay your bills now. It good but the fees are hidden. On their website if you click on what are the fees it says:
On your website it says
We charge a monthly subscription fee of $14.99 - just like a Netflix or Amazon Prime subscription. However, instead of giving you access to unlimited streaming, this covers as many bills as you have active at any time with us, for up to $2,000 depending on your personal account balance! All card payments contain a 1.5% processing fee. We do not charge any interest or late fees ever. THIS DOESN'T EVEN MATCH WHAT THEY CHARGE!!!!!

Negative: The fees are hidden and the way they calculate the fees and when they charge them is ruthless.
I just uploaded 3 bills. I've been charged $9.99 per bill ( and two of those bills were $39), plus the Web Operator told me I would need to pay $9.99 today monthly fee and again another $9.99 monthly fee in 9 days time.
I don't know what school their accountant went too but a month is at lease 30 days so you should only pay the monthly fee once and only every 30 days not 5 times within 14days.

Summary: Worst ever!!! As I described above nothing as I was approved nothing as easy as it says it is I also had a time with my I’d verification.

Positive: I would have liked the payments to be broken down, like it is advertised.sometimes you just have a problem paying a bill.

Negative: 1. I was told I would get the initial $9.99 waived for the first month when I uploaded a bill they added it even after speaking to customer service.
2. I was told I was approved for $500.00 credit then it was knocked down to $300 without warning.
3. I turned in a bill for $191.00 and they were gonna pay $100.00 then you look on app and it said 191.00 pending avail balance 309.00 then after that it changed to the $300 credit line.
4. Customer service is horrible you have to send message and they only answered half my questions.

So this was just starting out. Cancelled payment and will be deleting that really sucks because it was an amazingly helpful app but I guess not for me.

Summary: Bad... just Bad, No support $7.99 month. and impossible to get refund. If you're behind on a bill just work with phone company.

Positive: First month paying my Verizon bill was easy! Second month they emailed me saying they needed more info? So they took the first payment from my bank and said they didn't have correct billing info? When i text them back (No Phone Number) I said you paid it last month no prob. why billing question? After a min. they said it was fixed and then they charged me the first payment again! So double charged, but bill did get paid. Now trying to get double charge back is a nightmare!

Negative: NO phone support, and text support could care less, And it's $7.99 a month with no support!

Summary: I used this service once and they paid my cable bill on time and even changed payment dates for me- I went to my cable bill again, did everything exactly the same, uploaded the same bill, only to be informed that they had to send a check which would take 7 to 10 days- no way I could wait that long, could only get through on chat and was disconnected when I asked for a supervisor, it does not make any sense that they somehow couldn't pay the same exact bill just for a different month online- I think that it's really bad for business in today's digital world to offer to send a paper check in 7 to 10 days, especially when they require that you make your first payment before they even do this. I never heard from a supervisor so I just told them to cancel my account and refund my monthly fee- still no response regarding that. Be careful if you need a bill paid sooner than 10 days.

Positive: First time using was fine. Second time was very disappointing and misleading- suddenly they can only pay by check.

Negative: Negative second experience, the advertising is misleading and they have changed how they process payments without warning.

Summary: Very disheartening for a first time experience. Wouldn't say that right now I would recommend the service to anyone. To know that if Georgia Power hadn't contacted me that my family would have been in the home without power is beyond acceptable. Deferit has to do much better.

Positive: Thought of the service being helpful. Turned out to be a headache and still causing trouble even trying to get refunded what they took and not paying our bill.

Negative: Bill was submitted and my bank account was charged for the payments along with the subscription and now the following month I was informed by Georgia Power that we were behind a month and our service was due to be turned off it not paid. Can't get ahold of anyone via phone and in sending emails that take 2-3 days for a response I am being told they wont assist with anything until I can prove that they didn't pay the bill to the biller. Really, you as a company know whether or not you paid a bill but you sure as heck took the funds without a problem. Not being able to get ahold of anyone of the Heroes by phone makes this process even harder to accept.

Summary: Absolutely heartbreaking and horrible. They have no honor and had left me with no money to go bury my sister. It's the most hurt thing I have ever gone through. They are topical of companies that are fraudulent and they will not last. Please don't become a victim. They don't care about the damage they caused and will not fix their mistakes.

Positive: There aren't any PROS if they pay your bills late cause you to have your service cut off or cancelled. The fees are too high for the damage the cost you financially. It they were trustworthy the fee would have been worth it. They absolutely don't have in pros. I was burned the 3rd time I tried them. They are offering to help you with serious bills and didn't hold their end to paying them in a timely manner. I have never had my car insurance cancelled in 44 years of driving. They aren't trustworthy at all.

Negative: The is a completely awful company. They paid my car insurance 6 days after they were supposed to. It caused my car insurance to be cancelled. I paid $73.00 on the 1st installment on 3-25 they didn't pay my bill until 3-31. They sent an email that my bill had been paid on 3-26. Which was a lie. The insurance company took $129.00 on 3-31 because the cancelled the coverage on 3-31 and that was the prorated amount. I paid $208.01 to have my policy reinstated on 4-4. Totally I paid $73.00, $129.00 and $208.00 on a bill that was only $228.00. I still owe $55.00 to Deferit. They worm out and offer to pay my late charges. They did this at a time I was seeing about a terminally ill family member. Who died on 4-3 at 8:39 a.m. from cancer. This company doesn't have any integrity or honor. They are cruel and will take advantage of you. They throw away what could have been a life time customer had the own and fixed their mistake. Please don't even try this company. Your bills are too important to trust them. I lost dearly at a time I am suffering the most.

Summary: When I first started using the service, things went fairly smoothly. The last few times, they have been VERY slow to pay the bill and it has taken more than 48 hours for my bill to be paid and I have had to check in however, previously, a rep was available to answer the phone & help push it through.

Positive: The ability to pay bills in installments is great.
Site is user friendly.
The ability to change payment dates if needed.

Negative: Most recently, I added a new bill - it has not yet been paid yet have not been able to get in touch with them via email or phone. Each time I call it indicates a 7 minute wait and it has always exceed 20 mins. Then the call drops directing me to their site, Call back, it says 8 minute hold as if someone is actually answering the phone (and as if I had not just been on hold for 20 minutes or more) They definitely took the first installment though.

Something they need to do is change the next installment date to 2 weeks after the bill is actually processed to the recipient. Why should we have to pay 2 weeks after the first installment date if the bill isn’t even processed on that date?

Summary: Absolute scam. They stole my money. They are dishonest and thieves. They took my money and never paid the bill.

Positive: There is nothing good. They take your money, promising to pay your bill, but the bill never gets paid. They are thieves.

Negative: They stole my money and violated the contract. They claim my bill was paid on the 17th but today is the 22nd and it still has not been paid. They took my money and didn’t pay the bill. Scam!

Summary: Sucks all day every day every week so bad until I’m done with this bs you guys should be ashamed of yourself.

Positive: There’s no pros to this company. I will never use the service taking money from your account and now my bill is late. I’ll pay it but I’m closing my account.

Negative: They take your first payment and now my light bill has a late fee and has not been paid. I’m going to disconnect my banking information.

Summary: Used this to pay a couple bills. It was okay until my last bill. Paid the first installment, they took the money out of my account but the bill is still not paid. The customer service number useless. I think there’s one person working the phones cause you can never reach anybody. There’s no online chat, or anything. I’m giving this bill one more day and then I’m disputing the charge with my bank.
I will be canceling my subscription and going someplace else. Beware of this site. It’s a scam.

Positive: Nothing it’s horrible. No customer service. No help.

Negative: Everything.

Summary: They are fraudulent. Taking your down payment and not paying your bill. Every time I reach out to them, they tell me they are behind in paying.

Positive: I paid my down payment and bill never got paid. I keep getting a story about that had so many people using them they are behind in making payments. I think that don’t have the funds to make the payments.

Negative: They are not making the payments. Take your money and don’t make the payment.

Summary: Avoid this SCAM company at all cost. Find another way if you can because these people will screw you.

Positive: They suck!

Negative: They will send you a text that the bill is being paid only for you to find out that they payed a portion.

Summary: If the number to CS worked or if there was anyway to get ahold of CS it would help. Needs major improvement!!

Positive: It works 50% of the time. There is no other pro to this app... Customer service sucks... I cant say say any other goods things about it.

Negative: They take money out of your checking account BEFORE the bill is okayed, so if it isn't approved you are without the money that they took out of your account. The phone number is NEVER ANSWERED!! CUSTOMER SERVICE SUCKS BIG TIME!!! NEVER HAS MY PROBLEM BEEN RESOLVED!!! NEVER.