Complaints

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:09/09/2024

  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.

  I was hacked and had fraudulent transactions made across multiple accounts including flexity. I contacted flexity regarding the fraudulent transaction in the amount of $416.92 which was an online purchase at the *****. I was away that week on a family vacation when this happened. Flexity requested for me to fill out a form called “declaration of fraud or identity theft” which I have filled out and sent in. As well as a confirmation number for a report made with ***** ***** ******* Canada regarding the identity theft. I then waited for a response regarding this issue and received no response. I called in nearly a month later and the representative advised me that the issue has been resolved. It just hasn’t been updated or processed on my account and that he would have it escalated and somebody would contact me within a few days, it is now nearly a month later again with still no response and I called and spoke with another representative who is now advising me that they don’t have any of the information I provided them originally on file so now this issue went from being resolved and just needed to be updated or processed or what not to now they don’t have any of the affidavit or other information provided they need to fill out and send in again and they also need a police report now which was never mentioned to me initially.

  Business Response

  Date: 24/09/2024

  The customer’s account was reviewed in full.

  The customer reported a fraudulent transaction on 07/06/2024. The
  customer was sent an affidavit and was advised to complete it and send it to ********@*******.com. The customer was
  also asked to open a dispute with ********** and provide us with the case
  number.

  Per the customer’s calls, they had sent the affidavit to the incorrect
  email address and were provided the correct email address on 09/03/2024. The
  customer’s affidavit was received on 09/04/2024 & their ********** case
  number was received on 09/13/2024. Upon receipt of the ********** case number,
  a fraud investigation was initiated and is on-going.

  The customer has been advised they are not required to make payments
  towards the fraudulent transaction on their account while the investigation is
  on-going. The customer is still liable for the remaining balance on their account.

  Should the customer have any further questions or concerns, the
  customer can contact us, and we would be happy to help. We can be reached, at
  1-877-259-3745.

  Customer Answer

  Date: 10/10/2024

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: I have not received any update or correspondence regarding this fraud matter, I have not been contacted by phone or email since 09/13/2024. We are now a month later and there is still no resolution. I have provided all the necessary documents required and asked of me, there is no reason this should be taking this long. In Flexiti’s response it is stated that the customer(myself) was advised they do not have to make any payments towards the fraudulent transaction on the account while the investigation is ongoing, but I was advised of no such thing and also, I was just sent an email on 10/10/2024 with the fraudulent charge of $419.09 and due date for 10/29/2024 to be paid or interest charges will be applied. As of right now I have no access to my account and I  cannot review my bills in full. I have every intention of paying my bill but NOT until this fraudulent transaction has been removed from my account. I do not want any payments made to the account to go towards the fraudulent transaction. Furthermore, if this issue has not been resolved by the due date in December of another charge that I have to make a payment for, then I do not believe I should be charged interest or responsible for paying interest on that charge as Flexiti has failed on their part to resolve this issue in a reasonable time.
  
  
  
  Sincerely,
  
  
  
  ****** ******

  Business Response

  Date: 16/10/2024

  Hi ******, 
  Our apologies, our team has reviewed and the transaction listed as fraudulent will be removed as per investigation. This will be reflected on your account within the next 3-5 business days. 
  Please contact **********@*******.com if there are additional questions surrounding balance. 

  Customer Answer

  Date: 17/10/2024

  
  
  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.
  
  
  
  
  Sincerely,
  
  
  
  ****** ******

• Initial Complaint

  Date:02/04/2024

  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.

  Flexiti** never sent me a bill advising me that I was about to incur a deferred interest charge of over $4000. It only sent me notice of the charge after the deferred interest charge was incurred. * ******* **** **** ******** ******** ** * **** ** ********** *** ** * ********* ** *** ******** ********** ***, I sent a detailed letter to Flexit on February 27, 2024 and haven’t received the courtesy of a response. I made several calls and was promised a phone call from management. I have received nothing but form letters asking for a payment I have no intention to make. I am attaching a copy of my letter to Flexiti setting out the details of my issue.

  Business Response

  Date: 12/04/2024

  We have fully reviewed the customer's account. The customer made a
  purchase on January 2nd, 2023, on a 12-month DP - S.A.C (Interest
  Accrues) promotional plan.

  The customer was sent monthly statement reminders via the email on
  file, prompting them to login to the online portal. On every statement, it was
  advised that the promotional offer expires on and must be paid before the
  Promotional Expiration Date of January 2nd, 2024, to avoid paying
  accrued interest charges. The Annual Interest Rate on regular credit purchases
  will then apply to any amount that remains unpaid.

  In accordance with the Cardholder Agreement, sent to the customer
  in their Welcome Email, for purchases on DP - S.A.C (Interest Accrues), no
  payments are due on purchases made under this promotion until the promotion's
  expiry date. No interest is payable during the promotional period, however,
  interest at the AIR applicable to Regular Credit Purchases accrues from the
  transaction posting date and the accrued interest will be charged to your
  Account if the promotional balance is not paid in full by the promotion's
  expiry date and any outstanding balance which was subject to the promotion will
  be treated as a Regular Credit Purchase.

  The customer did not make payment in full by their promotional
  expiry date therefore, the accrued interest was charged to the customer's
  account.

  Should the customer have additional questions, they can contact us
  directly and we would be happy to help. We can be reached, at 1-877-259-3745.

  Customer Answer

  Date: 12/04/2024

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: The business' response is not accurate. Putting an account statement on a portal does not satisfy the requirement of the Consumer Protection Act

  That the consumer be provided with a statement. No amount was ever requested until AFTER the interest was charged to the account. I have checked my email account and never received a statement. Flexiti's response carefully hides this fact. Every other bill to be paid sends me a statement, whether or not it has a "portal". Examples include ** ****, *** ****, ****** , **** etc. This is the only company that I know of that doesn't send a statement. I have spoken to them on a few occasions and I never get to talk with anyone who gets my point or has the ability to address my problem. There will be a further problem in a month when they ask for another $5000. I will not be paying this as when I made a payment of $15,000 I was told I had paid in full and was not told that the $15,000 included more than $4000 of deferred interes. Someone with the authority to deal with this can call me. I don't see the point in speaking with another person who will tow the party line and not understandt that their practise violates the Consumer Protection Act.

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

  Business Response

  Date: 26/04/2024

  A dedicated case manager has been
  in touch with the customer and a mutually satisfactory resolution was reached
  on 04/26/2024. Once the customer’s agreed upon payment has been received, the
  appropriate interest adjustments will be made to the customer’s account.

  Should the customer wish to follow up they can contact us, and we
  would be happy to help. We can be reached directly at **********@*******.com. 

• Initial Complaint

  Date:27/03/2024

  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.

  Over a year ago I purchased a TV set and decided to use ******* as it seemed easy at the time and I was being sold on the no interest for 24m. The total I belive was around 2 thousand. I paid on time obviously over what the minimum was and a little over a year later I owed $800. Then in March I got a invoice saying I owed 1700. Completely shocked I looked over my previous invoices. I called ******* and they said I got the 12m plan that ended in OCTOBER. They didn't notify me of any upcoming term ending agreements. They waited 4 months to pack on the interest and THEN emailed me with a massive bill which will be continuing to add interest. I'm at children's hospital and have been this year. I'm incredibly stressed and I know I should have read all the fine print and that is my fault. I have never missed payments on my bills. They however make money this was by waiting until they can rack up 40 percent in interest and then shove it at you. I would have paid that day or any day if I knew interest would be added! I got zero notifications or extra money owing.

  Business Response

  Date: 07/04/2024

  We have fully reviewed the customer's account. The customer made a
  purchase on October 23rd,2022, on a 15-month DP - S.A.C (Interest
  Accrues) promotional plan.

  The customer was sent monthly statement reminders via the email on
  file, prompting them to login to the online portal. On every statement, it was
  advised that the promotional offer expires on and must be paid before the
  Promotional Expiration Date of January 23rd, 2024, to avoid paying
  accrued interest charges. The Annual Interest Rate on regular credit purchases
  will then apply to any amount that remains unpaid.

  In accordance with the Cardholder Agreement, sent to the customer
  in their Welcome Email, for purchases on DP - S.A.C (Interest Accrues), no
  payments are due on purchases made under this promotion until the promotion's
  expiry date. No interest is payable during the promotional period, however,
  interest at the AIR applicable to Regular Credit Purchases accrues from the
  transaction posting date and the accrued interest will be charged to your
  Account if the promotional balance is not paid in full by the promotion's
  expiry date and any outstanding balance which was subject to the promotion will
  be treated as a Regular Credit Purchase.

  The customer did not make payment in full by their promotional
  expiry date therefore, the accrued interest was charged to the customer's
  account.

  Should the customer have additional questions, they can contact us
  directly and we would be happy to help. We can be reached, at 1-877-259-3745.

  Customer Answer

  Date: 10/04/2024

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: the amount left unpaid on my account was $800 on the last invoice I got before I got one for 1700$. You stated interest is in the amount unpaid then why am I owning one month $800 and the next $1700. 
  
  
  
  Sincerely,
  
  
  
  ****** *******

  Business Response

  Date: 26/04/2024

  A dedicated case manager has been attempting to reach the customer
  to further clarify what happened on their account and to discuss their concerns,
  but they were unable to reach the customer. A voicemail was left advising the
  customer to send us an email to schedule a phone call.

  Should the customer wish to schedule a phone call, they can
  contact us, and we would be happy to help. We can be reached directly at **********@*******.com.

• Initial Complaint

  Date:06/03/2024

  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.

  I got my flex credit card with 36 months without interest fees after a few months I decide to buy extra things with a payment before 30 days I accidentally paid the wrong card and my interest fees started.
  
  On my big surprise in 6 weeks, I was charged $90 for an amount less than $1000. It’s impossible to be charged that big if your amount is less than 1000$ but If you take the full amount o. The credit card and charges interest will make since. They take the full money on my card. I got a refund from the company from one of my items and it was refund 2 days after the charge on the credit card. They never considered to reduce the amount and continue to charge the totale amount on my credit card for the interest.
  It's illegal to charge interest fees on a total amount when you have 36 months without interest. The only interest I was supposed to pay is the iteams I need to paid before 30 days…..

  Business Response

  Date: 16/03/2024

  We have fully reviewed the customer's account.

  The customer made a purchase on 08/31/2023, on a 36-month Equal
  Monthly Payment – No interest promotional plan.

  In addition to this purchase, the customer made multiple regular
  credit purchases with a different merchant.

  The customer made 2 purchases on 11/20/2023, one in the amount of
  $ 194.34,
  and the second for $ 202.26.

  The customer made another purchase in the amount of $ 288.14 on
  11/21/2023.

  The customer made another purchase in the amount of $ 388.70 on
  11/23/2023.

  The customer made another purchase in the amount of $ 109.60on
  11/27/2023.

  These purchases were not subject to a promotional payment plan and
  had to be paid in full before their statement due date to avoid interest
  charges. The customer’s monthly statement was released on 12/14/2023 with a current
  payment amount of $ 1,357.72 due by 01/04/2024. This amount
  included the customer’s regular purchases, as well as the monthly payment
  amount required from their Equal Monthly Payment promotion. Only a payment of $175.00
  was received during this period, which is why interest has been charged to the
  customer’s account.

  Should the customer have any additional questions or concerns,
  they can contact us directly at **********@*******.com to schedule a phone call
  with a dedicated case manager. 

  Customer Answer

  Date: 25/03/2024

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: I received my card in October for the purchase of 5599 without interest over 36 months. In November I made purchases as mentioned by felxiti at *******:
  Nov 20 from - 194.34 + 202.26
  Nov 21:288.14
  Nov 23: 388.70
  **November 27 REFUND FOR THE SAME COMPANY OF A PURCHASE BUY ON NOV 20
  Nov 27: 109.60
  I made an epayment of $175 for the interest-free amount of 36 months of the INITIAL amount of $5599
  
  VERY IMPORTANT NOTE; the calculation of payments with REFOUND is 194.34 + 202.26 + 288.14 + 388.70 - 210.17( Partial refund from *******)  + 109.60 = 972.87$
  
  ANOTHER SUPER IMPORTANT NOTE THE INTEREST RATE: Your account annual interest rate is 31.99%.
  
  SO LET'S RECAPULATE FROM THE START THE AMOUNT IS $981.87 WITH AN INTEREST RATE OF 31.99% ANNUALLY EXPLAIN TO ME WHY I HAVE INTEREST TOTAL OF: $90.45 IN 2 MONTHS
  JAN 15: 9.95 + 10.36 + 14.48 + 18.82 + 4.91
  FEB 13: 31.93 (Surprise you repaid the interest on Feb 24).  
  YOU CHARGING YOU INTEREST ON THE ENTIRE AMOUNT OF THE CREDIT CARD AND NOT ON THE PURCHASE AMOUNT
  
  ANOTHER DISTURBING PROBLEM IN YOUR COMPANY: I received an email dated February 25 to see proof that I must reimburse an amount of 1447.50 which we remember is TOTALLY FALSE WITH THE SUPPORTING PROOF SHOWN ABOVE OF AN AMOUNT OF 972.87 FOR PURCHASE MADE WITH *******.

  I paid the amount as of February 22 of $1450 which should not have had interest and STILL SURPRISED THE INTEREST OF $9.12 ARE CHARGED. MAR 13.
  
  You have to explain your overcharged interest calculations and errors to your credit card center.
  
  Sincerely,
  
  
  
  ******* ********

  Business Response

  Date: 07/04/2024

  This matter has been resolved as of 04/05/2024. A dedicated case
  manager was able to contact the customer to further discuss their account and
  address their concerns.

  If the customer has additional questions regarding their account,
  they can contact us directly. We can be reached at **********@*******.com.

  Customer Answer

  Date: 08/04/2024

  
  
  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.
  
  
  
  
  Sincerely,
  
  
  
  ******* ********

• Initial Complaint

  Date:26/02/2024

  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 purchased a recliner chair at ******** Barrie on March 16, 2022. The purchase was financed by Flexiti Financial. The balance financed was CAD 2800.01. There was a promotional offer of no payments and no interest for 12 months. At the end of the 12 months interest would start accruing on any remaining balance. I was informed of this promotional offer by the salesperson and the manager at the store. It was also clearly stated on the first statement from Flexiti Financial
  I made regular payments throughout the 12 months. Unfortunately I was late in making payment of a remaining balance of CAD 340.01 by March 16, 2023. At the end of the promotional period I had paid Flexiti Financial a total of CAD 2460.00.
  The statement ending February 23, 2023 already showed an interest balance of CAD 782.95. The statement ending March 27, 2023 showed the interest and balance owing had increased to CAD 824.12. I therefore called customer service to try and find out what all this meant. The person I spoke to told me that the deal was that interest would be charged on the original amount of CAD 2800.01` and not on the balance owing at the end of the 12 months. She also told me that their interest rate is 31%. I was unable to come to a a resolution with Flexiti, so I decided to pay CAD 453.00 (CAD 340.01 plus 31% interest) I made this payment on April 16, 2023
  I have tried to resolve this issue with Flexiti Financial over the phone. I have written a letter to them expressing my grievance. I have paid Flexiti Financial a total of CAD 2913.00
  Flexiti Financial promised me that if I did not pay the amount they were demanding, they would ruin my credit score - which they have done. They have also called me multiple times every day, including weekends and holidays, since March 2023.
  My Flexiti account number is ****************

  Business Response

  Date: 08/03/2024

  We have fully reviewed the customer's account.

  The customer made a
  purchase on March 16th, 2022, on a 12-month DP - S.A.C (Interest
  Accrues) promotional plan.

  The customer was sent monthly statement reminders via the email on
  file, prompting them to login to the online portal. On every statement, it was
  advised that the promotional offer expires on and must be paid before the
  Promotional Expiration Date of March 16th, 2023, to avoid paying
  accrued interest charges. The Annual Interest Rate on regular credit purchases
  will then apply to any amount that remains unpaid.

  In accordance with the Cardholder Agreement, sent to the customer
  in their Welcome Email, for purchases on DP - S.A.C (Interest Accrues), no
  payments are due on purchases made under this promotion until the promotion's
  expiry date. No interest is payable during the promotional period, however,
  interest at the AIR applicable to Regular Credit Purchases accrues from the
  transaction posting date and the accrued interest will be charged to your
  Account if the promotional balance is not paid in full by the promotion's
  expiry date and any outstanding balance which was subject to the promotion will
  be treated as a Regular Credit Purchase.

  The customer did not make payment in full by their promotional
  expiry date therefore, the accrued interest was charged to the customer's
  account. Interest continues to accrue at the customer’s annual interest rate.

  Should the customer have additional questions, they can contact our
  collections team directly and we would be happy to help. We can be reached, at 877-259-3753.

  Customer Answer

  Date: 17/03/2024

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: AS per the response from Flexiti, interest rate would be charged on the amount remaining at the end of the promotional period. The amount remaining was CAD 340.01 on March 16, 2023. Their Customer Service Representative told me that their annual interest rate was 31%. So I pain CAD 340.01 x 1.31 = CAD 453.00 on April 14, 2023. 

  The statements, as they claim, did not show accrued interest rate until the statement ending Feb 23, 2023 - which was even before the promotional period was over. Also I had been paying off the balance throughout the promotional period, 
  
  
  
  Sincerely,
  
  
  
  ****** *****

  Business Response

  Date: 01/04/2024

  As previously mentioned, the terms of the customer’s promotional
  plan are located in the customer’s cardholder agreement.

  “In accordance with the Cardholder Agreement, sent to the customer
  in their Welcome Email, for purchases on DP - S.A.C (Interest Accrues), no
  payments are due on purchases made under this promotion until the promotion's
  expiry date. No interest is payable during the promotional period, however,
  interest at the AIR applicable to Regular Credit Purchases accrues from the
  transaction posting date and the accrued interest will be charged to your
  Account if the promotional balance is not paid in full by the promotion's
  expiry date and any outstanding balance which was subject to the promotion will
  be treated as a Regular Credit Purchase.”

  As per the above, interest accrues at the AIR from the transaction
  posting date and will be charged if the promotion expires with an outstanding balance.
  Interest began accruing on the date of the customer’s purchase, 03/16/2022.

  In addition, on each monthly statement, there is a breakdown of
  the customer’s promotional balance, showing both the outstanding promotional
  balance, as well as the total accrued interest as of the date of the statement.
  The accrued interest is mentioned on each statement but is not charged unless
  the promotion expires with a balance.

  Should the customer have additional questions, they can contact our
  collections team directly and we would be happy to help. We can be reached, at
  877-259-3753.

  Customer Answer

  Date: 07/04/2024

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: There was never any mention of interest being charged on the amount posted on date of purchase, all that was stressed was that interest would be paid on any amount remaining at the end of the promotional period. The amount remaining at the end of the promotional period is minimal compared to amount posted at date of purchase. I unfortunately did not pay on time. If truly my understanding had been that the interest would be charged on the original amount, I would have had no problem paying this small amount remaining. This on the part of Flexiti Financial amounts to deceptive advertising.
  
  
  
  Sincerely,
  
  
  
  ****** *****

  Business Response

  Date: 26/04/2024

  A dedicated case manager has been attempting to reach the customer
  to further clarify what happened on their account and to discuss their concerns,
  but they were unable to reach the customer. A voicemail was left advising the
  customer to send us an email to schedule a phone call.

  Should the customer wish to schedule a phone call, they can
  contact us, and we would be happy to help. We can be reached directly at **********@*******.com.

• Initial Complaint

  Date:21/02/2024

  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 made all my monthly payments in full but because I made one payment early before the billing cycle was released they are now saying I’m one month behind
  I called to confirm payment was made which they confirmed but are saying they cannot reflect it on my statement due to the fact it wasn’t released which now puts it into a double payment for the next month with interest.
  They refuse to acknowledge the payment was for that month cycle

  Business Response

  Date: 02/03/2024

  This matter has been resolved as of 02/29/2024. A dedicated case
  manager was able to contact the customer to further discuss their account and address
  their concerns.

  If the customer has additional questions regarding their account,
  they can contact us directly. We can be reached, at 1-877-259-3745.

• Initial Complaint

  Date:08/02/2024

  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.

  I bought a TV at ******* *********** with the fkexiti card and they give 12 months to pay without interest and my last day to pay the total amount was January 5 ,and I did pay at January 4 and my bank send the money at January 5 and was still at time to pay and I did call flexiti at January 3 to pay by phone or different method but they don't have any options just by bank account and tha bank take 3 days to send the money to them but I did pay on-time and now they charge me 1400 at interest because the payment appears at they system after 3 days but this is no my problem because I did send the money at January 4, I did call them and explain what happens and they told me to send the proof of the payment on time and the problem can be fixed and I did send the proof and they send me email saying that I have to pay interest anyway

  Business Response

  Date: 18/02/2024

  The customer’s account has been
  reviewed in full and we consider this matter resolved.

  The customer emailed our customer service
  team a copy of their proof of payment, and the interest charged to their account
  was waived.

  Should the customer wish to follow up they can contact us, and we
  would be happy to help. We can be reached, at 1-877-259-3745.

  Customer Answer

  Date: 19/02/2024

  
  
  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.
  
  
  
  
  Sincerely,
  
  
  
  **** ********

• Initial Complaint

  Date:06/02/2024

  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.

  Date of Transaction Sep 18th - present
  Amount paid: $610
  Business committed to providing: Monthly payments interest free for 12 months, as long as I pay minimum due
  Issue: Immediately charged me interested after paying more than the minimum amount, false advertisement, now I have interest every month 40% which is a ****, did not realise this was a **** as I was offered this by an actual Canada Computers employee. I believe the due dates are also wrong to my email, only possible explanation
  Flexiti has not tried to solve this issue, infact I see a couple hundred people with my same issue as well after I *******
  Account #: **** **** **** ****, Does not say my tracking/order number on the online portal,
  I went to Canada Computers to purchase a computer, employee said I could use Flexiti as a financing option, just like any financing I understand I have to pay monthly to avoid interest, I paid on time and still got charged interest, which means this is NOT 0% interest and these are not monthly payments, checked my statements now it says I am being charged 40% interest from the start. I want to just get these interest charges reversed as I paid on time and I will like to fully pay off this and close my account *** ** *** ***********, but all of those interest charges are unfair and very *********. I will attach a picture of the payments, I have $1476 purchase, and paid $610 thus far, yet my balance is $1244, when I pay, I get charged interest monthly, which is a ****. I would like a full refund on all of those interest charges ( $237.87) , I will then proceed to pay off everything at once so I can get out of this situation

  Business Response

  Date: 17/02/2024

  This matter has been resolved as of 02/12/2024. We were able to
  contact the customer to further discuss their account and their concerns.

  If the customer has additional questions regarding their account,
  they can contact us directly. We can be reached, at 1-877-259-3745.

• Initial Complaint

  Date:05/02/2024

  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.

  Purchased TV from ******* *********** on November 24, 2022.
  Paid $3499 + HST for TV, ******* sale person aggressively encourage to sign up for flexiti deferral program to close the deal, paid registration fee of $199.98 + HST, this black Friday 2022, very busy store, salesperson skipped all process even I asked for any issues/potential issues for signing up for flexiti, stating they do many contracts every day, no customer issues.
  Paid $379.85 to make even $3800 on the flexiti deferral program to paid in full by May 2024 without any interest.
  Got a call from flexiti in January 2023 that I need to pay for annual fee of $24.99, It said no problem, setup the account on flexiti.com, paid $200 and asked flexiti customer rep how to avoid payment issue, customer rep advised me to setup a automated payment process of $10 per month to avoid any issue, which I did and paid $10 every month starting April 2023 to Feb 2024.
  On Jan 15, 2024, got a text that payment is due, surprised about this as I pay flexiti $10 every month, called them, that I missed an annual fee of $24.99 and to make payment. I informed them I make payment every month of $10 to avoid this issue, but got informed that I need to make exclusive payment of $24.99 for the annual fee and that my payment are going to my purchase amount.
  Very upset about this information, I told that the previous customer rep from flexiti advised me to do this to avoid any issues, the new customer rep informed this information was incorrect and now I am in default of the deferral program and own $2055 in interest, if I can make the annual fee and purchase payment flexiti will remove the interest, I asked the customer rep to verify with supervisor, it was verified and PLUS all flexiti calls are recorded, I made my payment of $30 for annual fee and plus $3545 purchase amount, but flexti is still trying to get the $2055 interest from me.
  Need all the interest to be removed and account closed as I have fully paid my purchase amount

  Business Response

  Date: 16/02/2024

  This matter has been resolved as of 02/06/2024.

  The customer
  contacted Flexiti on 01/25/2024 to discuss the interest charged to their
  account. The customer made a payment for the remaining balance on their promotion on 01/26/2024, and their complaint was escalated and reviewed. The customer’s interest was
  adjusted accordingly.

  The customer’s account balance is now $0.00, and their account was
  closed on 02/06/2024.

  We trust we have resolved this matter to the customer's
  satisfaction. Should the customer have any further questions, we can be
  reached, at 1-877-259-3745.

• Initial Complaint

  Date:26/01/2024

  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.

  Hi, I just spoke with a person from flex city. I explain to the person that I had purchased furniture and the payment was due in full I believe on 17 January I tried to send the payment from the area that I was in which was not the area that I live but rural area. I told the person I tried to send an E transfer and it wasn’t going through so I did leave the area and make the payment in full but they received it two days later now they are telling me that I’m going to have to pay back all the interest from the time the purchase was made, I really did try to explain to them and tell them that I had made more than the minimum payment every month but she keeps on telling me that I need to wait until the interest goes on. I don’t believe the interest would be more than what I paid for the furniture . I am only human and we all do make mistakes. It is unfortunate that I was in rural area. I was in this area because my brother has lung cancer and was going to see if he could have it removed but unfortunately he just had triple bypass and they didn’t know if they could remove the part of the long so this is why I was late with my payment I don’t see a lease I just couldn’t get it to them. The email transfer would not go through in that area. . I did have another promotional account that I did pay off as well so as they would see, the problem was not me paying the money it was just that I was in the wrong place at the wrong time to send the email transfer, but was in the right place at the right time to be with my brother..

  Business Response

  Date: 05/02/2024

  The customer’s account has been reviewed
  in full.

  A dedicated case manager has been in touch with the customer and a
  mutually satisfactory resolution was reached on 02/05/2024. Once the customer’s
  agreed upon payment has been received, the appropriate interest adjustments
  will be made to the customer’s account.

  Should the customer wish to follow up they can contact us, and we
  would be happy to help. We can be reached, at 1-877-259-3745.

  Customer Answer

  Date: 05/02/2024

  
  
  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.
  
  
  
  
  Sincerely,
  
  
  
  ******* **********