Important information
- Customer Complaint:Due to the volume of complaints received, BBB is publishing the details (text) of 25% of complaints as a representative sample.
Complaints
Customer Complaints Summary
- 416 total complaints in the last 3 years.
- 135 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:16/01/2024
Type:Billing IssuesStatus: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 a laptop last 12/16/23. I then returned it and purchased another laptop because it was the incorrect model. The plan i purchased on the flexiti card was no payment, no interest for a year. I was of the assumption that it was the date of the second laptop that i would go of but on Dec16, i realized the terms were from the Dec 16 purchase. The 1st pymnt $900.24 was on feb6, 2023, i made the pymnt for the balance of $900 on Dec. 16. I called flexiti and was told that if we sent proof that the $900 balance was paid on dec16, then the interest charges would be removed. We then made a purchase at ******* in November which was a different transaction, the monthly payment for that transaction was $15. Flexiti is now telling us that we needed to pay the monthly charge for the other transaction and since it wasn’t paid we will now have to pay the interest that was accrued for the laptop. The two transactions have nothing to do with each other. They are two different terms. At no point in time when I called flexiti on Dec 16 did the representative tell me that the $15 charge needed to be paid as well. I would love your help in flexiti removing the interest as they told us they would if we showed proofBusiness Response
Date: 26/01/2024
This matter has been resolved as of 01/16/2024.
The customer
connected with our customer service team to discuss the interest charged to
their account and an agreement was made. The customer made the requested
payment, and the appropriate interest adjustment has now been completed.If the customer has additional questions regarding their account,
they can contact us directly. We can be reached, at 1-877-259-3745.Customer Answer
Date: 01/02/2024
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:12/01/2024
Type:Billing IssuesStatus: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 bought a bedroom set on August 22, 2022 with **** ********* in Winnipeg but the financing was done through Flexiti and this option gives you one year to pay the bill interest free from the time you receive the furniture. I did not receive furniture till December of 2022, so thinking I had till december of 2023 to pay bill in full. I only received an invoice with the full amount owing of $3200.00 including all taxes and fees with no contract or paperwork for my agreement. **** gets you to sign an **** and doesnt give you any paper work other than the bill of sale. I had to call Flexiti to find out how to get into my account and finally got into my account in August of 2023 to ask Flexiti what my account number was. Also, when I received my furniture, it was the wrong color. I orderd purple and received blue. I also discovered that my bill was due on August 13/2023, so I called them back to ask. I decided to pay the amount of $3200.00 in full on August 24, 2023, I also discovered Flexiti was adding an administration fee onto my bill and I told them that the $3200.00 was the amount owing and I wasn't paying a penny more as per my agreement. Flexiti has now added onto my account over $1700.00 interest and I do not know where this came from. I do not owe this money and have paid my bill in full. **** ** ******* ******* *** ***** **** * ********** ** **** *******. **** ******** **** *** *** * **** ******** *********. Please get back to me on this manner. thanks ***Business Response
Date: 22/01/2024
We have fully reviewed the customer's account. The customer made a
purchase on August 13th, 2022, on a 12-month DP - S.A.C (Interest
Accrues) promotional plan.The promotional expiration date is based on the date of the
customer’s purchase and is not related to the delivery date.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 August 13th, 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.Should the customer have additional questions, they can contact us
directly and we would be happy to help. We can be reached, at 1-************.Customer Answer
Date: 25/01/2024
Complaint: ********
I am rejecting this response because: I wasn't given any COPY of the Agreement that i signed on the **** at **** *********. I had no idea on what type of agreement I entered into, I had nothing to look back on. When I purchased the bedroom suite, I was told that I had one year from the time i received furniture and that loan was interest free for one year, period. If I paid after the year then I would pay interest after the one year expired. I had no idea that the interest free wouldnt be honored. I did not know there was an expiry date and how could i know if I dont know what i signed. I walked into this agreement blinded. I was totally misinformed on this and i have copies of ****s ad regarding interest free for a year. I was also told that Flexiti would send me a copy of the agreement i signed. I also did not receive any welcome package. I did not know who Flexiti was until August of the following year and I didnt know my account number and had to phone flexiti to ask for it. I only figured out who Flexiti really was until I ******* who they were. I was told that flexiti was a finance company and did not know that they were a credit card company. I phoned Flexiti on numerous occasions before August 13th of 2023 and told them that I was unhappy about the transaction with **** *********, cause they sent me the wrong furniture which was supposed to be purple and not blue, plus the light on the bed does not work. That would be considered breach of contract. I also asked flexiti if they could reset purchase date and they said i was to ask **** ********* and I did, So **** did say they would reset purchase date, due to the fact I didn't receive my furniture until December of 2022. I don't think i should be punished for this nightmare of a transaction and I am asking to please give me a one time EXCEPTION of the interest.. I will agree to pay the monthly interest after August 13,2023 and not the $1424.52 from the supposed one year no interest that wasn't honored. I would like to settle this manner and Flexiti. I am asking to Please credit my account the $1424.52 because if i would have known about these charges, I would have paid the bill earlier.
Sincerely,
*** ******Business Response
Date: 11/02/2024
This matter was resolved as of 02/06/2024.
The customer was in contact with our collections team on
01/31/2024 and a mutually satisfactory resolution was reached.The appropriate adjustments were made to the customer’s account on
02/06/2024.The customer has now paid their balance in full, and their account
has a balance of $0.00.If there are any additional questions, we would be happy to help.
We can be reached at 1-************.Initial Complaint
Date:12/01/2024
Type:Billing IssuesStatus: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 provides a ********* payment due date and a difficult-to-understand promotional expiration date for credit interest accrual. My payment was made in full on my payment due date, which fell three days after my promotional expiration date in which interest accrued. Their emails and customer portal are designed to be ********* in not providing clarity. I called customer service a month before my payment date to find clarity. Still, I was not provided any information about the difference between the promotional expiration and the payment due date listed on my account. My account has now accrued $1,776.24 of interest, which has only been revealed on my portal page after the promo expiration date, three days ahead of the Payment Due date shown on the account page. This system has been well designed to ensure promotions expire before the "Payment Date" listed to ensure this ********* lender can collect interest that otherwise would not have accrued.Business Response
Date: 22/01/2024
We have fully reviewed the customer's account. The customer made a
purchase on November 5th, 2022, on a 14-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 5th, 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.Initial Complaint
Date:05/01/2024
Type:Billing IssuesStatus: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 got my appliances from *** ***** (********* *********, I opted to use *******'s credit facilities. I first did the 4 years equal payment which was messed up from the word go. The store clerk at *** *****s had told me that I needed to pay the taxes on the purchase I made in store, so my ******* card was charged for it, to my surprise, ******* started charging me interest so I asked why, then I was told that i got the wrong information from t6he store and that I was supposed to pay the taxes in after my statement period. I called and called until this was resolved, because of the problem I faced with the equal payment option, I then closed the equal payment account before 9 months even though i elected for 4 years. I then went with the deferred payment option. To my surprise, I was still getting charged interests, I called the customer service department again and I was told at some point that I paid money in before my statement period, on another occasion I was told that the "system automatically chooses where my payment goes to" because it was not going into the account I wanted it to go to based on the scheduled dates.
I got tired and called again at this point interest charges were reversed, there was a deferred payment coming due so I paid off as of due date, but missed one of it by 2 days based on weekend payment and all. Flexity immediately collapsed all the deffered payment and started charging me interest of over 31.99%. I made a call through and at first someone there said she would see to it, the customer service agent came back and said my loan would be collapsed and i would pay an interest of 9.99% but make a monthly payment, I told her I could not because I already planned my finances based on the deferred payment plans I had made. She came back that management said "the offer was off the table" I am still shocked, sounded to me like the company were doing me a favor when it's their systems and policies and inadequate information from the start that had messed things up.Business Response
Date: 16/01/2024
The customer’s account has been reviewed in full. The customer’s promotions
have defaulted due to multiple missed payments.Customers are also sent monthly
statement reminders to the email on file advising them that their statement has
been released and prompts them to login to the online customer portal to view
it. The statement includes the minimum monthly payment amount and its due date.The customer also missed their payment with a due date of July 24th,
2023, in which payment had to be received between the dates of July 3rd,
2023, and July 24th,2023, to align with their billing cycle.The customer missed their payment
with a due date of October 23rd, 2023, in which payment had to be
received between the dates of October 2nd,2023 and October 23rd,2023
to align with their billing cycle.When a customer misses or short-pays two payments within 12
months, ******* has the right to cancel any promotional offers. At the end of
each statement and included within the terms of the Cardholder agreement, it is
noted that if we do not receive the required payment under a Promotional Offer
by the Balance Due Date in effect, we may, at our option, cancel one or more
Promotional Offers applicable to the Account, effective on the date such
default occurred. If we cancel a Promotional Offer applicable to the Account,
any amount payable under an unexpired Promotional Offer will immediately become
an interest-bearing amount and in all other respects shall be treated as a
Regular Credit Purchase in accordance with the terms of the Agreement.The customer was in contact with our customer service team on 12/28/2023
to discuss their account and the possibility of reinstating their promotional plans.
The customer’s account was reviewed, and the customer was offered a refinancing
plan for a new equal monthly payment plan for 15 months at an interest rate of
9.99%. This offer was declined by the customer.Should the customer have additional questions, they can contact us
directly via email at **********@*******.com to
schedule a phone call with a dedicated case manager.Initial Complaint
Date:02/01/2024
Type:Billing IssuesStatus: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.
Subject: Disputing Unauthorized Inquiry on Credit Report - Urgent Resolution Needed
Dear [BBB Representative's ],
I hope this email finds you well. My name is ***** ***** and my DOB ********** , and I am writing to bring to your attention a concerning issue regarding a false inquiry on my credit report.
I recently discovered an inquiry made by Flexiti Financials on my credit report, and I would like to emphasize that I have never entered into any contractual agreement with this company. This unauthorized inquiry is both inaccurate and damaging to my credit history.
I have ******** supporting documentation, including proof that I have not engaged in any business dealings with Flexiti Financials. I kindly request your assistance in investigating this matter promptly and facilitating the removal of the unauthorized inquiry from my credit report.
Maintaining the accuracy of my credit report is crucial, and I trust that the BBB will help ensure a fair resolution to this issue. Please let me know if there is any additional information required from my end to expedite this process.
Thank you for your prompt attention to this matter, and I appreciate your assistance in resolving this dispute.
Sincerely,
***** *****Business Response
Date: 12/01/2024
Per Flexiti and credit bureau
policy, we cannot reach out to ***** ***** on a customer’s behalf. The process
must be initiated by the claimant with ***** *****/*******. Once we receive the
declaration from the customer’s credit bureau, and confirm the same as
fraudulent, the credit score will be reinstated.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.Initial Complaint
Date:02/01/2024
Type:Billing IssuesStatus: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 Dec. 27, 2023 I noticed that I was being charged creditor insurance once a month creditor insurance that I did not sign up for. I do not have any documentation that shows i selected to pay creditor insurance. I know that i always opt out of creditor insurance. I only have 2 payment plans with Flexiti and I know that i did not select creditor insurance. I phoned flexiti who advised that I had signed up for ************ insurance through one of the merchants but could not tell me which merchant. They said I had to call ************, which I did. They were not able to help me other than send a cancellation form. They advised that no refunds were allowed and that in September 2023 Flexiti indicated that I had signed up for creditor insurance. ************ advised that I would have received an email from Flexiti giving me 30 days to cancel. I searched my email inbox and could not locate such an email.Business Response
Date: 12/01/2024
We have fully reviewed the customer's account. The customer signed
up for a payment protection with *** (*********** Insurance) at the time of
their online account login, hence the ******* ******** premium charges that
were appearing on their account.The customer was sent an email on August 18th, 2022,
confirming the insurance and the details of the insurance. The email presented
the following information:Payment protection coverage start date:
September 01, 2023
Premiums for the Simply Secure program will be conveniently
billed each month and can be found on your monthly Flexiti statement. Premiums
for the Simply Secure program will be conveniently billed each month and can be
found on your monthly Flexiti statement.
You have a 30-day risk free period. Should you cancel your
insurance in the first 30 days, any premium billed during that period will be
refunded to your Flexiti account.
Coverage is immediate and may be cancelled at any time by
providing notice to *********** Insurance at 1-************ or in writing by
emailing ********************************** or faxing 1-***********1.We can confirm that the payment protection plan was cancelled on
the customer’s account as of 01/03/2024, but no refunds were authorized.Please note, Flexiti does not receive the premiums as the ******* ******** insurance is dealt by a third party, ***. Should the customer wish to
discuss the premiums further, they are encouraged to reach out to *** directly.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.Initial Complaint
Date:22/12/2023
Type:Product IssuesStatus: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 had a negative balance on my account of -$60.00. I asked for my account to be closed and the balance issued to me via a check. They have refused and will not respond to my emails. I called and asked to speak to a supervisor. at that time I also asked for the money owed to me to be returned. At this point, they had taken $25.00 of it and claimed it was a fee for holding my negative balance for too long even though Iv asked multiple times to have the money returned to me. I also asked the supervisor for what government agency they are covered by be in the Financial consumer agency of Canada or similar. They refused to let me know and said I would have to send an email in reguesting this information as well as an email requesting my funds returned. I tried to explain that I had already sent in multiple requests to the email provided and they keep denying returning the balance to me. I followed through though and have sent 3 more emails in none of which have received a response.Business Response
Date: 29/12/2023
The customer’s account has been reviewed.
The customer should note that ******* does not provide credit
balance refunds by cheque, but through EFTs.In order for us to issue the credit balance refund that the
customer has requested, we’ll need additional information. The customer should email
us a copy of their direct deposit form or void cheque at their earliest
convenience to ************@*******.com.
The email should also include their Flexiti account number and name. Flexiti will then issue an EFT directly to the account number listed on the direct
deposit form or void cheque. This process generally takes 8-10 business days
from the date of receipt.As a courtesy, we have reversed the credit balance annual fee of $25.00,
returning the customer’s current credit balance to $60.00.Should the customer have additional questions, they can contact us
directly via email at **********@*******.com to schedule a phone call with a dedicated case manager.Initial Complaint
Date:14/12/2023
Type:Billing IssuesStatus: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 utilized a flexiti credit card to purchase the appliances for my home. I had it set up for equal payments. When I was getting the bill, it gave me an option to pay just the minimum payment. This is what I did noting the option was there and I had other competing financial priorities. I was suddenly informed that flexiti has revoked all the promotional plans I was on and now charging me compounding interest at 39.99%. I was told this is because I was paying just the minimum payment, which said I could pay this to remain in good standing. I was told there is no way I can have this full amount refinanced so that I can have more affordable payments. Currently the minimum payment is for $812 for just interest per month. This is for a $22,000 balance. I would like a reasonable solution.Customer Answer
Date: 18/12/2023
Please close this complaint. The company just called me and we agreed to a resolution of the issue.
Thanks,
*******Initial Complaint
Date:14/12/2023
Type:Billing IssuesStatus: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.
********** *** ********* ******** *********. TERRIBLE CUSTOMER SERVICE.
I signed up for a 15-month interest free, zero payment required purchase plan with Flexiti in 2022 - a promotion that was offered at *****. At the end of the 15 months period, 2 days after the end of the promotional period, on September 18, 2023 I made full payment so as to avoid interest. Every statement up to that point, including Flexiti's online portal showed the Payment Due Date as September 21. They received the funds on September 19 and immediately added Deferred Interest to my account- three days before the stated Payment Due Date (as per every statement and billing portal).
I first reached out to customer service on September 25. They did not understand the issue and advised me to "make payment soon to avoid further interest." After I responded again, clarifying my problem with the deferred interest, they responded again a few days later, simply saying "that they confirm having received my original payment".
Three calls to their customer service team and a referral to their credit department later, they request proof of payment from me. I clarified that they, themselves, have already confirmed having received payment, but that I am disputing the deferred interest (now accruing) charged before the originally stated "payment due date".
Finally they call back and explain that the payment was due PRIOR to the PLAN EXPIRY DATE. THE PAYMENT DUE DATE IS OF NO SIGNIFICANCE. The customer service agent was finally (and the first in 2 months) to explain that I had to ignore the Payment Due Dates on all previous statements and reference the tiny print on page 3 of the statement mentioning this. She also referenced the original credit agreement. When asked about escalating the matter, she referred me back to customer service or credit service teams and that managers have already reviewed and made a ruling on the case.Business Response
Date: 24/12/2023
We have fully reviewed the customer's account. The customer made a
purchase on June 16th, 2022, on a 15-month DP - No Payments + No
Interest Accrued promotional plan.The customer was sent monthly statement reminders via email,
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 September 16th, 2023, to avoid paying
a deferral fee and 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 Deferred payment – no interest, no
payments. No payments are due on purchases made under this promotion until the
promotion’s expiry date. No interest is payable for the duration of the
promotional term on the balance subject to the promotion. Interest does not
accrue on the balance subject to the promotion for the duration of the
promotional term. If the promotional balance is not paid in full by the promotional
expiry date, immediately following the promotion expiry date, any outstanding
balance which was subject to the promotion will then be treated as a Regular
Credit Purchase and the applicable deferral fee will be charged to your
Account.The customer did not make payment in full by their promotional
expiry date therefore, a deferral fee of $99.99 and interest was charged to their
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: 04/01/2024
Complaint: ********
I am rejecting this response because:The language included on every statement prior to September 16, 2023 as referenced by the business appears only on the 3rd page in small print, while every statement lists the "Payment Due Date" as September 21, 2023 on almost every page, including the tear-off slips. I believe, as per my original complaint, this is intentionally and *********** done by Flexiti, with the aim that customers miss the fine print, so as to collect Deferral Fees.
I have however paid the business the amount owed since my complaint, but will avoid using them again in future. I also wish to alert others to be careful in dealing with this organization.
Sincerely,
**** ********Initial Complaint
Date:12/12/2023
Type:Billing IssuesStatus: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.
Made a credit card purchase for $5000.00 on 02/03/22 with a one year term of no payment or interest until 02/03/23
On 12/29/22 paid $3000.00
On 01/28/23 paid $2000.00
Total $5000.00 paid on time before 02/03/23
Received a statement on 05/10/22 to pay a min. $3.00, called customer service and was told it’s a paper bill fee charged, I’ve paid the $3.00 on 05/03/22 and requested the paper bill be stopped as I intend to pay full $5000.00 on time.
Received another statement due 06/08/22 for a min.$3.04, called customer service and the fees was waived.
Started getting calls that my account is overdue and over $2000.00 is owing all due to $0.04. Apparently emails has been going out to an email no longer being used so I wasn’t aware. My sincere apologies for this and kindly ask your forgiveness.
After many frustrating phone calls from flexiti I went to the authorities for directions and was told to pay the $0.04 which was paid on 05/02/23
The phone calls stopped coming for mths and stared again and was told it cannot be stopped it’s an automated system.
I’ve never had a credit issue in over 45yrs and presently recovering from open heart surgery and cannot handle the stress. I’ve sent a registered mail to flexiti customer service mgr, also many emails went out and kept getting a no-reply confirmation that email is received.
Do need to get this resolved and looking forward to your help.Business Response
Date: 22/12/2023
This matter was resolved as of 12/21/2023. A case manager was in
contact with the customer to discuss their remaining balance as well as the
interest charged to their account. The interest charged to the customer’s
account was adjusted, and their account now has a balance of $0.00.If the customer has additional questions regarding their account,
they can contact us directly. We can be reached, at 1-877-259-3745, or directly
via email.Customer Answer
Date: 28/12/2023
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,
******** *******
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