ComplaintsforFlexshopper, LLC.

• Initial Complaint

  07/26/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  these people have taken money out of my account when it was not due, twice and caused me to be over draw at the bank.

  Customer response

  07/26/2024

  My balance yesterday on one account ********** now today it is ****** lease # ****CF2CADB

  the other account yesterday was ***** today it is back up to ****** lease # **ED00F8B27F

  I don't know what they are doing, I also was charged an overdraft fee from my bank over them taking money they should not have taken.

  Business response

  07/30/2024

  FlexShopper makes every effort to resolve customer inquiries or complaints to the reasonable satisfaction of the customer whenever practical. We apologize for any inconvenience that occurred. Our investigation revealed a payment processing error during the week ending 07/19, which resulted in a double charge of $13.67 and $24.96 associated with lease no. ending B27F and AD7B. We have corrected the issue and applied a refund on 07/25, which may take 7-10 business days to process. If the consumer has any further questions or concerns, please reach us via email at ************************************* or contact our ****************** at **************.

  Customer response

  07/30/2024

   
  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

  07/25/2024

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  I have a current lease through flex shopper & all payments are auto deducted & on time. Last week of July 19,2024 they took out 2 payments in same week! 1st was the original falling in line as should on the 17th of July. Then on the 19th ANOTHER payment was taken out. When I called customer service they said they put a request for the refund of the extra ************ would take 3-5 days to process. I called again 4 days later to confirm the refund because the next weekly payment was going to come out as well. They said the refund was to be done by end of the day we spoke on. And they put in another request for the refund just in case. In the meantime I received an email saying an error occurred & accounts were debited extra. Their solution to their problem is they will take the extra payment off the END of lease! So, I was lied to about getting a refund that day & instead of refunding the extra payment they're keeping it! I only receive a monthly amount of money & can't afford them taking extra payments!!! I need that money to stretch till next month and now I'm short for money! This should not be allowed. A proper payment refund should occur so I'm not out the extra. Also, the last payment isn't the same as the rest, it's less. So, they would be keeping the difference! I shouldn't have to wait Months to get recouped! It's not my fault their system has errors. Customers shouldn't have to be put out of extra money due to their incompetent business practices. What do we do in meantime... ****** & go without so they don't have to return anything??? Worst business ever had to deal with. Will never recommend or utilize again.

  Business response

  07/30/2024

  FlexShopper makes every effort to resolve customer inquiries or complaints to the reasonable satisfaction of the customer whenever practical. We apologize for any inconvenience that occurred. Our investigation revealed a payment processing error during the week ending 07/19, which resulted in a double charge of $30.03. We have corrected the issue and applied a refund on 07/30, which may take 7-10 days to process. If the consumer has any further questions or concerns, please reach us via email at ************************************* or contact our ****************** at **************.

  Customer response

  08/12/2024

   
  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

  07/20/2024

  Complaint Type:

  Delivery Issues

  Status:

  Answered

  More info

  I order an item and have waited several weeks with no delivery and no tracking update. I reached out and was told the item was unable to ship from the vendor so I requested a refund. Several days later I got an email about the upcoming payment so I reached out again and was told they would look into it. Still have heard nothing back so 2 days ago I emailed asking for an update or I'd be filing a complaint with the BBB and today it shows delivered but it was NOT delivered. There is still no tracking number and nobody has reached out. I either want the item delivered to me or want to cancel the order and get a refund on any payments made so far.

  Business response

  07/24/2024

  We apologize for the customers recent experience at **********************. ********************** makes every effort to resolve customer inquiries and complaints in a timely manner whenever reasonably practical. The customer had contacted ********************** 7/10/2024 to inquire about the tracking number and was advised the vendor would be providing as soon as it was available. FlexShopper is sorry to hear the claim that the item was not received. After a thorough review of our records, we have confirmed that the package was successfully delivered on July 22nd, 2024, at 12:02 PM, via *** with tracking number 1Z45A0T80310998292. Please see the image attached for proof of delivery. The customer must reach out to the vendor Amazon for them to initiate a shipping investigation. Amazon will then coordinate with USP the shipping company.
  Amazon might require you to file a police report to assist with their investigation in this matter. If you have questions about payments, including those processed through UOwn Leasing, please contact them directly at ******************** or **************.
  We apologize for any confusion or inconvenience caused and appreciate the Customers understanding. Should you require further clarification or assistance, please do not hesitate to contact me at ************** or ******************************************

• Initial Complaint

  07/15/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Feb 10, 2024 I was offered a lease payment agreement at ***** Tire in ******, ** with the company Flex Shopper to pay for $642.28 for tires, oil change and front breaks. When I was approved my payments were $38.00/week I've paid now to date $753.84. Today I went to see what my pay off balance was bc I knew I had paid the principal at lease. The payoff balance is $549.40. I am not going to pay over $600 on a lease I had for 6 months and it's paid off plus over $100 in intrest. This is highway robbery and very unfair business. Are you all able to help me? When I called Flex Tire I tried to negotiate but they would not budge. People were laughing in the background it didn't even sound like a professional environment. On May 31, 2024 I took out another agreement to finish the work that needed to be done on my car. 2 more tires, the back brakes, ashock an oil change. I am willing to pay a fair price. That agreement was for ******. I've only paid $231.30 towards my balance the lease payoff is $624. 04 as of now. Please help me get a fair adjustment so I can pay what I owe plus a fair interest rate. I will never ever do this again I just needed my car fixed. They'll keep robbing single women like me.

  Business response

  07/26/2024

  We apologize for the customers recent experience at **********************. ********************** makes every effort to resolve customer inquiries and complaints in a timely manner whenever reasonably practical. Weve been trying to reach out to the consumer to work out a feasible arrangement with the consumer, however have been unsuccessful. On 7/23 the consumer called back and requested that ***************** (Collections Supervisor) call her back on 7/24 at 10AM so she would be able to have a notebook and pen during the call. The call back was also unsuccessful and consumers voicemail box has been full. We will continue trying to reach out to the consumer to provide assistance.
  We apologize for any confusion or inconvenience caused and appreciate the Customers understanding. Please reach out to *****************, **************************************** or **************.

• Initial Complaint

  07/06/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have been charged by Flex Shopper about four times now. The two most recent times were on July 1, 2024. Those charges did not go through; however, I was charged two 9-dollar fees to my Checking account each of the four times. The business has not committed to providing me with anything because I have never purchased anything from Flex Shopper. I contacted their billing, and they confirmed I did not have an account with them. However, this is the fourth time theyve charged my card. I asked them if there was a scam associated with their company or if something else was going on, allowing people from their company to charge my card. I was told no. I was accused of allowing someone to use my card to buy something from their company, which I did not, and I never have, and I never will. It wouldnt make any sense for someone to try to use my card to buy something from their company because they are at lease to purchase company, so I am assuming that its their systems that are allowing these charges to occur and that theyre not doing the proper protection of information or that they have a scam going on. I assume they will try to charge me until they can take legal action against me for a loan for a product I never purchased. I would say the company has not attempted to resolve the issue because they continue to try to charge my card, and they are not taking responsibility for it. They require that I jump through all these loops to contact somebody to fix the issue, prolonging and allowing them to continue these charges. I dont want this to affect my credit, and I want a refund for the fees they already cost me. I dont feel like the business is trying to resolve this issue. There is no corporate number, and the billing people do not know how to resolve my problem.

  Business response

  07/12/2024

  FlexShopper makes every effort to resolve customer inquiries or complaints to the reasonable satisfaction of the customer whenever practical. After a thorough review of our records, we found an account associated with the transactions referenced by the consumer. These transactions were linked to another customer's lease account.

  
  Our IT department identified the transactions in question, which were payments of $14.71 and $19.82 made on 06/28/2024 and reversed on 07/02/2024. The payment method for these transactions was listed as ********************* ************ with the last 4 digits of the account number being 0868.

  
  If the consumer did not give permission for anyone to use their bank information, it is strongly recommended that they take the necessary steps to protect their personal information. This can include contacting their bank to dispute these charges and reaching out to local authorities to report any potential unauthorized use of their financial information. Their bank will be able to provide specific instructions on how to proceed with the dispute and ensure the security of their account. Typically, banks have procedures in place for investigating unauthorized charges and can take the necessary steps to protect their financial information.

  
  If the consumer has any further questions or concerns, they are encouraged to contact FlexShopper via email at *************************************.

  Customer response

  07/15/2024

   
  Complaint: 21950659
  
  I am rejecting this response because:
  Im wondering what action you took against the person purchasing with my card. Did you guys close the account?
  Sincerely,
  
  *************************

  Business response

  07/16/2024

  FlexShopper values the security and trust of our customers and takes unauthorized transactions very seriously. Upon identifying the unauthorized use of the consumers bank information, we have taken swift and appropriate action to address the matter internally.
  While we understand the consumer's concern about the actions taken against the individual who used their bank information, we must maintain the privacy and confidentiality of all our customers. We assure the consumer that appropriate measures have been implemented in accordance with our policies.
  To ensure the consumer's financial information is protected, it is crucial for them to contact their bank to dispute the charges and secure their account. The bank is equipped to handle such situations and will provide guidance on the necessary steps to prevent further unauthorized transactions.
  We regret any inconvenience this situation may have caused and are committed to supporting the consumer through this process. For additional assistance or concerns, please reach out to FlexShopper via email at **************************************

• Initial Complaint

  07/03/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am urgently writing to address errors on my credit report due to the disclosure of my personal information to credit bureaus, causing significant financial and emotional distress.According to 15 USC 1681 Section 602, I have a right to financial privacy and expect my information to be kept confidential.Additionally, under 15 USC 1681 Section 604(a)(2), a consumer reporting agency cannot disclose account details without my explicit consent, which I have not given.The discrepancies related to FLEXSHOPPER have negatively affected my financial standing and need immediate correction.Compliance with 15 USC 1666(b) is also essential, as it prohibits creditors from treating credit card payments as late under certain conditions.For your reference, here are my account details:Account Number: 4058****I request a thorough review of my account, immediate correction of the credit report inaccuracies, and strict adherence to federal laws governing my information.Failure to address these concerns promptly may result in legal action. I appreciate your immediate attention to this matter.Sincerely,*******************************

  Business response

  07/09/2024

  FlexShopper is committed to resolving customer inquiries or complaints to their reasonable satisfaction. We take such matters very seriously. We have conducted a thorough investigation using due diligence and reviewed our records related to the customer's complaint.

  
  Our investigation revealed that the customer entered into a loan agreement with TAB ********************* LLC, a subsidiary of FlexShopper, on June 17, 2022. The agreement complies with all relevant federal and state regulations, including the Truth in Lending Act (TILA), which clearly discloses the annual percentage rate, finance charges, and payment schedule. The agreement specifies that the customer authorized electronic fund transfers and provided their banking details to facilitate these payments. It also includes a comprehensive privacy notice ensuring the protection of their personal information. There is no evidence of unauthorized disclosure of the customer's account details to third parties.
  The loan amount was $803.15 with an annual percentage rate (APR) of ******%, resulting in total payments amounting to $1,647.30. The payment schedule consists of 51 weekly payments of $31.69 starting on June 24, 2022, and one final payment of $31.11 on June 16, 2023. Fees included a late fee of $5.00 for weekly payments and a returned payment fee of $20.00, with prepayment allowed without penalty. The agreement includes an arbitration clause and complies with Florida Documentary Stamp Tax laws.

  
  Emergent Servicing, the third-party collection agency for TAB Bank, advised us that they spoke with the customer on September 18th. During this conversation, the customer made no mention of any disputes and informed Emergent that KJB *************** was handling their account. Emergent can be contacted at ************** for further details.
  It is important to note that credit reporting agencies are provided information based on the account activity as authorized in the loan agreement. We take all necessary measures to ensure accuracy and compliance with 15 USC 1681 Sections 602 and 604(a)(2), which protect consumer financial privacy and restrict the disclosure of account details without explicit consent. The customer mentioned discrepancies related to FlexShopper affecting their financial standing. We are committed to working with them to resolve any inaccuracies. We have initiated a review of their account, ensuring adherence to 15 USC 1666(b) regarding billing errors, and found no discrepancies.

  
  We aim to resolve this matter promptly and amicably. We have attached the customers loan agreement for review. Should the customer have any further questions or concerns, they are encouraged to contact FlexShopper via email at *************************************.

  Business response

  07/10/2024

  My apologies, we've attached the loan agreement. Thank you.

• Initial Complaint

  06/20/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have Flex Shopper on my credit report. I called the number for Flex Shopper on my credit report and was told I don't have any accounts with Flex Shopper. The person who answered said the only way to contact them was to write a letter. I have never taken out a loan with flex shopper. I want this off my credit report immediately and to not have a phone number to call to speak to someone who can help is unacceptable.

  Business response

  06/27/2024

  FlexShopper is committed to resolving customer inquiries or complaints to their reasonable satisfaction. We take such matters very seriously and have thoroughly reviewed the customers account. To assist with providing clarity on this matter, we have attached the loan agreement for review and reference.
  Our investigation revealed that the customers assertion that they did not create or open an account with ********************** is accurate. However, it appears there is some confusion regarding the relationship between FlexShopper and FlexLending. FlexLending operates as a subsidiary of FlexShopper, and the loan agreement in question was indeed signed with TAB ***************************** are the details of the account and loan agreement information in question:
  Customer Name: *******************************
  Agreement Number Ending: A877
  Amount Requested: $2,300.00
  Date Signed: 06/06/2022
  First Payment Date: 06/13/2022
  Payment Amount: $90.74 per week
  This account was placed with Emergent for debt recovery on 08/14/2023. The following actions have been taken by Emergent, the third-party collection company for SST / TAB ************************** and payment history were requested.
  04/15/2024: Media and payment history were sent via email to the consumer.
  05/07/2024: Dispute form was received, with part of the Initial Notification Letter cut off (attached).
  05/07/2024: Media and payment history were re-emailed to the consumer.
  Voice mails have been left since this time.
  No payments have been received by Emergent.
  We understand that there may have been confusion due to the different entities involved under the FlexShopper umbrella. We hope this explanation provides the necessary clarification. We are committed to swift and prompt resolutions. Should the customer have any further questions or concerns, they are encouraged to contact FlexShopper via email at **************************************

  Customer response

  06/27/2024

   
  Complaint: 21876384
  
  I am rejecting this response because:  I have never taken out a loan with this company, also above they state that they have emailed me information.  I have never received such an email.  Outright fraud 
  
  Sincerely,
  
  *******************************

  Business response

  07/01/2024

  FlexShopper acknowledges the customer's response and has thoroughly reviewed the rebuttal submitted. We take this concern seriously. Using due diligence upon further review, we acknowledge the customers claim that they did not take out a loan directly with FlexShopper. However, it's important to clarify that the loan agreement in question was executed with FlexLending, a subsidiary under the FlexShopper umbrella. This subsidiary relationship may have contributed to any confusion regarding the origin of the loan.
  Regarding the email communications, our records indicate that media and payment history were sent to the email associated with the customers account on multiple occasions, including April 15, 2024, and May 7, 2024.
  To proceed with any further recourse or investigation into the potentially fraudulent activity claimed, we kindly request that the customer provide a police report and a notarized fraud affidavit. These documents are essential for us to thoroughly investigate and address this matter.
  Please contact our escalations team directly via email at ************************************* to provide the required documentation. We are committed to resolving this matter promptly with the customers cooperation.

• Initial Complaint

  06/17/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I purchased an iPad through them by lease to own and paid every payment on time. When I got to the point of playing it off early I started calling them on Friday to completely pay it off. They had me on hold for 30+ minutes and kept giving me a prompt to press 1 for scheduled call back even I though it said 1 person ahead of me in line. I pushed 1 and it gave me a call back time at 8:10 pm Eastern time and it was 7:08 pm Central time. I never got a callback. I repeated the exact same process Sunday and no call back or response of any kind. Today I called and paid the lease off and after I got off the phone I noticed the $57 was still taken out. I called back and the guy said nothing could be done and if I stopped payment on it it would keep my lease open and I would continue to have $57 come out of my account every Monday. Seems quite underhanded that they would continue to not answer my calls all weekend starting on Friday and on Monday they would answer with no problem but still pull my payment which by the way has now overdrafted my bank account which gives me an overdraft fee with my bank. I used another credit card of mine to pay off my lease because money is tight and everything is accounted for right to the *****. I never missed a payment and even purchased the insurance they offered in case I had any problems with my payments. They took out payment last week on time and then put the money back in my bank account the next day and charged me a late fee which I had to get them to reverse when I paid off the lease. That was shady in itself. Thankfully I noticed it on my account so I could get it reversed but this is ridiculous. This will cause me many financial problems since I was just laid off from my job. Very upset. I paid a total of 14 payments of $57 for the item and another 14 of $3.99 for insurance and $108 and change to pay it off. It was supposed to be around $708 total for the iPad. Bad business practices on their part.

  Business response

  06/21/2024

  Flexshopper is dedicated to resolving customer inquiries or complaints to the customers reasonable satisfaction. The payment method we have on file for the customers weekly payments is an ACH, an ACH is an electronic check and can generally take up to 1-3 business days to clear the customer's financial institution. We process checks on Thursdays however, most consumers see it clear the following week on Monday or Tuesday. It could possibly be longer if the banks are closed for Holidays as well. Customer would have to call FlesxShopper on Wednesday to payoff account to prevent ACH from processing. The payoff amount that customer paid on 06/17/2024 included weekly payment that was processed on 06/13/2024. Our cash price for the item(s) including tax is $842.39. Customer paid a total of $790.39. On 06/20/2024, weekly payment for 06/13/2024 in the amount of $57.00 returned as Insufficient funds this caused lease to reopen and applied fees for returned payment. The system reprocessed payment for weekly payment on the sameday. We removed fees and reclosed account in hopes that payment that is reprocessed will be successful. We attempted to reach out to the consumer via phone and email, however, was unsuccessful. We are here to help. If the customer has any further questions or concerns, they may contact our Escalation Specialist, Valeine St Fleur directly at ************** or via email at ******************************************

  Customer response

  06/24/2024

  They just charged me again causing yet another overdraft fee in my account. In the wee hours of the morning. Thats $39 each time. Two times now. I was willing to let it be but this is too much. They deposited the money back in my account a day or two after I contacted you guys which doesnt take care of the overdraft fee but did give me my money back. This is becoming downright predatory. They were supposed to have take n my card off file the last time I spoke to them. It will be on their recording of our conversation they say they get when we are speaking. Im about ready to file. Charges against them. I was never late on a payment and paid it off early. This is not fair. 

  Customer response

  06/24/2024

   
  Complaint: 21862617
  
  I am rejecting this response because:

  They just charged me again causing yet another overdraft fee in my account. In the wee hours of the morning. Thats $39 each time. Two times now. I was willing to let it be but this is too much. They deposited the money back in my account a day or two after I contacted you guys which doesnt take care of the overdraft fee but did give me my money back. This is becoming downright predatory. They were supposed to have take n my card off file the last time I spoke to them. It will be on their recording of our conversation they say they get when we are speaking. Im about ready to file. Charges against them. I was never late on a payment and paid it off early. This is not fair.
  
  
  Sincerely,
  
  *****************************

  Customer response

  06/24/2024

  Ok, so an update. I was contacted by someone this morning at 9:24 am central time by Flexshopper about the complaint and the woman said it was a mixup on their behalf and they would wave charges as soon as my bank declined it. I will be waiting to see if that happens but at least at the moment, they are attempting to correct it. Hopefully, I can get the overdraft fees taken off as well. I will update you as it unfolds. Thank you for your help. You are a Godsend for those of us who feel helpless in situations such as these. Just know that you are appreciated. This is my first time contacting you in my 46 years on this planet but thank goodness I was taught about what you do at a young age by my parents who are small business owners and remembered who to contact. Have a blessed day. 

  Business response

  06/25/2024

  FlexShopper acknowledges the customer's response and has thoroughly reviewed the rebuttal submitted. We spoke to the customer and explained to the customer that we have an ACH on file for their weekly payments which posting generally takes up to 1-3 business days to clear their financial institution. Also explained to the customer that we are not returning payments it's their financial institution that's rejecting the payments as insufficient funds. Informed customer once the payment comes back return as a one-time courtesy, we will remove any NSF fee that occurs and move forward with closing the lease agreement. At the customer's request we have removed banking information from their account. The customer understood and was content at the end of the call. We are here to help; If the customer has any further questions or concerns, they may contact our Escalation Specialist, Valeine St Fleur directly at ************** or via email at ******************************************

• Initial Complaint

  06/11/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Company charged my account over 8 times with a card that has been cancelled for over 10 months and they have no way to charge my account using a card that was cancelled. They have caused negative charges to my bank account on 6/9/2024 and 6/11/2024

  Business response

  06/17/2024

  FlexShopper is committed to resolving customer inquiries or complaints to their reasonable satisfaction. We take such matters very seriously and have thoroughly reviewed the customers account. Our investigation revealed that the customer signed the lease agreement on June 19, 2023. Additionally, the customer has a remaining balance of $180.51 to fulfill the lease agreement at the 52nd week according to the lease terms and conditions.
  Regarding the refund request, Section 11 - Payment Authorization within the lease agreement authorizes us to seek payments by initiating charges to any payment card or bank account on file. Due to these terms, we are unable to honor the refund request. This section authorizes us to seek payments for any amounts due under the lease by charging any card or bank account on file, as well as to correct errors or reinitiate rejected payments as necessary.
  Our call records from March 9th indicate that the customer was experiencing banking issues at that time, but there is no record of them updating any payment methods on file. Furthermore, it has been observed that recent payments have been stopped by the customer through their bank. Additionally, we noted discrepancies in the last name and email address associated with the account and the complaint, which require further clarification.
  To address this matter, we have attempted to contact the customer to discuss these concerns and clarify any discrepancies. Unfortunately, we have not yet received a response. Customer cooperation is essential for resolving this issue promptly and accurately.
  We are committed to swift and transparent resolutions. If the customer has any further questions or concerns, they may contact us via email at ************************************** or call our ****************** at **************.

  Business response

  07/09/2024

  Thank you for your continued assistance with this matter. We have thoroughly reviewed the consumer's concerns and would like to provide clarification on the points raised.
  1. Payment Authorization:
  The consumer signed the lease agreement on June 19, 2023. According to Section 11 - Payment Authorization of the lease agreement, which the consumer agreed to, FlexShopper is authorized to initiate charges to any payment card or bank account on file for various payments, including past due lease payments and any other charges due under the lease. Specifically, the clause states:

  
  Section 11a: Authorization for Charges/EFT for Amounts Due Under Lease:
  "You authorize us to seek the following payments by initiating a charge to any payment card identified on Exhibit D (or any substitute or replacement payment card of yours) ("Card") and/or by initiating an electronic fund transfer ("EFT") from any bank account identified on Exhibit D (or any substitute or replacement bank account of yours) ("Bank Account"): your most recent Lease Payment to come due; any past due Lease Payment(s); any unpaid/returned Initial Payment; and any Other Charge that has come due. In this Authorization, we call each payment described in items (1) through (4), a "Required Payment." You authorize us to initiate charges to the Card and EFTs to the Bank Account for Required Payments on or after the dates such Required Payments come due. You authorize us to first seek payment of any Required Payment by a charge to the Card identified on Exhibit D, if any, and if such charge fails, by EFT to the Bank Account."
  This authorization includes charging any updated or replaced card or bank account information that the consumer provides or that we have on file.

  
  Additionally, Section 11f: Bank Account/Card Updates and Balance Checks is relevant:
  "We purchase a service that *** update your Card information automatically when it changes. If you do not want to have your Card information automatically updated, you can opt out of updating by contacting your issuing bank. To help us determine whether a payment under this Payment Authorization will be successful, you authorize us to initiate a non-monetary or similar entry to the Bank Account/Card and/or to obtain balance information from the financial institution holding the Bank Account/Card (e.g., through a data aggregator using your online banking credentials). We are not obligated to initiate any payment under this Payment Authorization if we receive information suggesting that it will likely fail."

  
  Therefore, the charges to the consumer's old debit account were in accordance with these terms, as our service *** have automatically updated the card information.
  Account Access: Regarding the consumers difficulty accessing their account, we understand the inconvenience and are here to help. Our records indicate no recent changes or updates to the consumer's account credentials. We have attempted to contact the consumer multiple times to resolve these issues, but we have not received a response. We encourage the consumer to reach out to us directly at ************************************** or our ****************** at ************** for assistance in regaining account access.

  
  Supporting Documentation:
  Attached is a copy of the signed lease agreement, highlighting Section 11 - Payment Authorization, to support our actions in charging the account on file.
  We remain committed to resolving this issue swiftly and transparently. If there are any further questions or concerns, please let us know.

  Customer response

  07/09/2024

   
  Complaint: 21836339
  
  I am rejecting this response because:

  They weren't given bank account information and they also weren't given debit card numbers, the debit they had on file was cancelled and you can't take money from a cancelled debit card as they stated they did, that's impossible 
  
  Sincerely,
  
  ***************************

  Business response

  07/10/2024

  My apologies, we have attached the lease agreement. Thank you.

• Initial Complaint

  06/08/2024

  Complaint Type:

  Delivery Issues

  Status:

  Answered

  More info

  I never ordered from this company and I tried to cancel immediately yet they have not satisfied my request even tho I have not received any items they claim to have shipped to me.

  Business response

  06/17/2024

  FlexShopper is dedicated to resolving customer inquiries or complaints to their reasonable satisfaction. As part of FlexShoppers due diligence process, we encourage the customer to file a police report. A temporary hold has been placed on the account pending receipt of the police/identity theft report. Once obtained, please email a copy of the report to ********************************** Weve attempted to contact the customer to assist and discuss this matter further; however, our attempts were unsuccessful. We are here to help and appreciate the customers cooperation with this matter. If the customer has any further questions or concerns, please reach us via email at ************************************** or *************************** at **************

  Customer response

  06/17/2024

   
  Complaint: 21822003
  
  I am rejecting this response because: I have not received a phone call in the matter. I am currently sending this company an email to the above address. I will not write a police report as I did not place any order asking for your services and when you took the first payment you said I could refuse delivery and I was prepared to do just that. The payments continued and no product was ever in the mail. I never signed, ordered or received one thing from your business and at those prices I never want too. Please email me back and I'll upload are progress as I continue to dispute these erroneous payments and outrageous claims of my lack of honesty.
  
  Sincerely,
  
  ***************************

  Business response

  06/18/2024

  FlexShopper acknowledges the customers response and has thoroughly reviewed the rebuttal submitted. On 6/13/2024 an email was sent to the customer regarding this matter, same email address that is listed within the BBB complaint. On 06/14 and 06/17 a call was placed to the customer to the number ending in 0839; however, both attempts were unsuccessful, a voicemail was left both times. In order to move forward with an investigation, we do require a police report to be filed. The customers personal information was used to apply for an account with ********************** without the customers consent leading us to believe the customers information has been compromised. We are here to help and appreciate the customers cooperation with this matter. If the customer has any further questions or concerns, please reach us via email at ************************************** or *************************** at **************.

*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. ↩