Reviews

Review Details

• Review fromYulia K

  Date: 09/01/2025

  1 star
  I used Flexiti services for financing a purchase and diligently paid off my balance, including interest, throughout the promotional period. By the end of the period, I had only $359.72 remaining, which I paid 7 days after the deadline.
  However, instead of applying reasonable late charges, Flexiti imposed a penalty of $1015.15, which appears to include previously paid interest. This amounts to double charging, ***** **** ******* **** ******** ********* *** ******** ******** ******.
  Additionally, the statement provided by Flexiti indicated an incorrect payment deadline (November 11 instead of the actual November 9), which misled me about the timing of my final payment. Furthermore, the statement outlined certain late fee terms, but the penalties applied do not align with what was stated. This inconsistency creates confusion and erodes trust.
  When I reached out to Flexiti for clarification and adjustments, I did not receive a transparent or satisfactory response. Instead, I was met with an insistence on paying these unfair penalties.
  As a result, I have filed a complaint with the Financial Consumer Agency of Canada (FCAC) to report these practices. ************, * **** ** ***** ** ********** ** *** ********* ********* ********** **** ******** ********** * ****** ***** ********* ********** ********** ********* * ****** ***** ************ ****** ******** ******** * ***** ** ******* ********* *** ********* ******* **** ******** 
  The issues I experienced include:
  1. Non-transparent credit terms.
  2. Misleading information in statements about payment deadlines and late fees.
  3. Excessive and unfair penalties that do not align with the agreement terms.
  I hope my review helps other consumers be cautious when dealing with Flexiti. Companies must prioritize transparency and fairness, and my experience with Flexiti has been deeply disappointing.

• Review fromGrant H.

  Date: 09/01/2025

  1 star
  I purchased a bed from ***** ******* and decided to use financing for six months and assumed it would be 6 equal interest free payments. There was no discussion so I later found out the to my surprise that there were no automatic equal payments. You pay what you want and the interest rate charged if you fail to pay it off in full is 31.99% which is close to what a payday loan might charge. Due to the lack of equal payments, if someone forgets to make pay it all off (since there are no reminders) or their math is not very good, they would be hit with this high interest rate. In other words, the current set up risks failure due to no set payments and then they would be charged the high interest rate. After finding all this out I wanted to pay this off and get out of this right away. It was a HUGE challenge to find out how you can pay if you don't use online banking. I first tried my bank (***) and was told they do NOT recognize this company. This made me a little worried. **** * ****** *** **** ****** ** ***** ******* *** ****** ****** ** *** *** ****** ***** I ***** ********** *** ********* ****** *** ** ***** **** ***** do NOT have online banking *** *** ** ***** ** *** **** ** **** * **** ** *** ***** *********  When I called Flexiti they didn't know what to do since I didn't have online banking, and they shared that one other bank does not recognize them either. Then after being on the phone for about 45 minutes, I was told a link would be sent to me to pay this off but no one was their who could send this. I was never sent this link. This company needs to make alternative ways to make payments and to publicize them. I had to call several times and was told I could either pay it off at ***** ******* (false - they don't handle financing) or the ***** (true - that's where I paid it off). * **** **** ** *** **** ***** ******* ***** ** ******* ******* *** ********* ****** *** **** ******** ******* *** *********

• Review fromMatthew B

  Date: 31/12/2024

  1 star
  ** *** ** **** **** ******** The emails they sent with amount owing always said zero so we assumed that the amount owed was zero mistakenly. Then our term expired and apparently we had 332 on a 5k purchase (and all of the sudden amount due is 900+). Well they went ahead and charged us the 601 interest for the purchase in full. When we called they said they said they can give us 50% of the interest and nothing more (which I appreciate but am not satisfied with). Why would your emails say amount due is zero if there was a balance. While technically they did nothing illegal - the practice and emails are ***** *** clearly meant to be confusing. They could have easily included the amount owing in the emails. I have used other services like ********* before and they are clear on what is owed. We closed our account **** ******* ** ** *********. We will never use them again and * ***** **** ******* ** ********* ****** *** *** If you do - just be very careful.

• Review fromRoy M

  Date: 31/12/2024

  1 star
  ******* ******** Our credit rating is excellent, debt load is low for income , they declined our application and our credit rating dropped six points for their hard credit check. No one can explain why we were declined. **** ******** ** ****** * ****** *****

• Review fromMichael T

  Date: 05/12/2024

  1 star
  **** ****** ** *** **** interest and insurance cost I spent 1160 and was only able to pay off 400 dollars meanwhile they made 750 dollars off interest and insurance costs alone ****** ******* ******** ******* bad service called to get help didn't help me never had remorse did not lower cost **** ******* ** **** **** *** ** ********** ** **** **** **** ***** ***** ***** *** *******

• Review fromCrystal P

  Date: 03/12/2024

  1 star
  They owe me $41.13 and won’t pay me. ******! WILL NEVER USE THIS BUSINESS AGAIN ??

• Review fromKelsey G

  Date: 22/11/2024

  1 star
  **** ** *** ******** ***** ********* ***** ** **** ***** ** * ***** **** * ******** **** * ****** I purchased furniture in August 2024 through this company and have been dealing with the same issue since September 2024. I made my initial "non-promotional" payment which was due 30 days after purchase. They then proceed to charge me a "late fee" over $200 because my payment wasn't made "in time", even though my banking statements proves otherwise. I was asked to provide my banking information to these people so they can confirm that in fact the payments were made in time. Then they tell me that I owe interest on this $200 "late fee" and there's nothing they can do about it. Fine, so I pay the interest to get this dealt with and be over with. THIS $200 IS STILL SHOWING AS OUTSTANDING ON MY ACCOUNT. I do not owe I single penny more. Every time I email them, they tell me there's nothing they can do, that is allocation takes up to 4-6 weeks to be completed, and I have to speak to someone on the phone. I have spoken with 6 different representatives and no one can help me and get this amount removed from my account. Yet I keep getting reminders that payment is due.. This is absolutely unacceptable. **** ******* ****** ** ****** ** ** **********

• Review fromIssam A

  Date: 24/10/2024

  1 star
  Poor service *** ************* *********. The manager started scolding me like I was his kid—********* ***** ******** They initially offered me a 60% discount on the interest-only if I paid on the same day and which I did but they changed on their word and then insulted me.

• Review fromElisa S

  Date: 07/10/2024

  1 star
  I was set up with a Flexti card through the ***** when I purchased a couch and was told it was interest free if payments were made. I was also told that there was a portion (Taxes, etc) that were not included in the promotion - which it shows on my statement.
  I was advised that if I pay lump sum at the start that it would pay the non promotional portion first and then I would have equal payments for the remainder.
  This was not the case and I have been getting charged insane interest on an amount I have been paying off with no luck getting a response from anyone from Flexti. ***** ** * ******** *** telling ****** they have an interest free promotion for purchases and then collecting interest on taxes.

• Review fromHenrique N

  Date: 19/09/2024

  1 star
  NO REFUND
  I made a purchase at ******* 24 equal installments. I setup automated payments from my chequing account. For some reason, the payments kept going through after 24 months. I called Flexiti the (credit issuer) and was told to interrupt on my end the monthly payments which I did (I thought by having no balance to pay no action was required).
  Then I was told to follow a link on an email sent by ***************** I followed all the instructions wich includes sharing my bank info with a third or fourth party company. Well, I did despite being uncomfortable with it. Once all directions were completed they came up with a message: "Your request has been received! Allow 15 to 20 days for processing. It was July 31st. After 20+ days I called and had to repeat it all since no information was found on their system. No one in the credit/refund gets calls and those who answer have no permission to get things done. No escalation, no transfer to another department, nothing and off course, no refund yet after almost 60days. **** * ******* **** ******* ** ** *** *****, no service or product backs then keeping my money. It was free money for them not being returned. * ****** *** ** *** *** **** ** ** ********* *** ***** **** *** having to work again for the same money given the stress and time Flexiti/******* are causing. ** **** * **** **** *** ****** * **** ** **** *** *** *** *.
  ** *** **** * **** **** ****** **** * ****** ****** *** ***** ******* ***** ******* ** ********** To Flexiti, I gave up trying directly with you. I still checking my account *** **** ****** **** *** ******** ** ** *** Please give my earned money back *** *** ****** * *** **** ******* ****** ** ***** ********* ***** ***** * ******** **** **** **** *** ***** ******* ** *** ** ******* ****** *********** **** ***** ******* **** * ******** ********* *******