Consumer complaint received 2023-01-11
Company: Flexible Finance, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I signed up for a service with a company that calls themselves getflex.com in XX/XX/2022. They provide flexible payment solutions to fixed cost of rent. They pay your rent in full at beginning of the month and you pay Flex back in two payments auto deducted from your debit card while paying them a monthly subscription fee and service charges. 

I had a fraud alert on my debit card in XXXX and needed to update my debit card with Flex as they hadn't taken out my second payment for rent of {$1200.00}. Between XXXX XXXX XX/XX/XXXX, there were XXXX emails exchanged saying they were working on finding my account and allowing me to make this change. I submitted XXXX support tickets and I kept getting emails that said bare with us a little longer. I didn't understand why I couldn't access my account that I set up in XXXX -it was like it didn't exist. I let them know that if they didn't resolve this by XX/XX/XXXX, I would be paying my rent directly to my apartment. 

I asked over and over again for a person to talk to and would get no response. I asked for a way to send them a check to their corporate hq -again, no response. 

I paid my rent XX/XX/XXXX. I kept trying to find information on this company but they don't seem to exist outside of a web page. I then went to try and file a complaint with XXXX, and read all the reviews about money being taken, rent not being paid by this service and I started panicking especially since my bank cancelled my card after sending me a fraud alert asking about a charge I didn't recognize in XXXX. 

I emailed this company and told them I have been trying to get them paid since XX/XX/XXXX and they were unable to make a simple change to my payment method. I now have told them I will send them a check for the outstanding balance to company XXXX but they will not get my bank card again. I even uploaded my bank account to my rent portal and they were unable to accept XXXX payments. 

I have now received an adverse action notice from them about outstanding balance. They provided a bank name that doesn't seem to exist if I think there is a mistake on my account-the bank name is XXXXXXXX XXXX XXXX XXXX XXXX XXXX Flexible Finance Inc XXXX : Billing Statement Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX phone number, no website -they provided their website https : //help-getflex.com -- I have 60 days to write to this ghost company and dispute this. I am not disputing the balance ; I have XXXX emails begging for help they wouldn't give me to add my new card. Now that I have seen their support, I will not entrust my bank card on their site again. Once you put your card in you are auto enrolled in their subscription service. I have asked for a way to send a check certified mail with proof of delivery to legitimate bank and they refuse to provide any help. They have threatened to turn me into credit bureaus and they refuse to provide a pathway to securely pay them. Had they resolved this issue for me of adding my new debit card between XX/XX/XXXX and XX/XX/XXXX, I would never had known their was some legitimacy issues with this company. I have never experienced a company or service that won't allow someone who is asking to pay you to refuse to offer a pathway to do so. 

I am at a loss here as I think this service plays fast and loose with subscribers financial information and I am willing to pay them, but only in a way that protects me. I was never even late-this was something that should have been a simple fix and they for whatever reason wouldn't resolve it for me ensuring that my payment wouldn't get deducted. This was on them as they wouldn't resolve it, call me or provide any address for me to simply send a check as I didn't trust their service any longer. 

I have submitted this scenario to XXXX XXXX and don't know what to do to get help and protection. 

I am afraid to write to the phony bank they listed in XXXX as I don't want my personal information ( PII ) further compromised by getflex.com They threatened I only have 60 days to write to their bank and they won't do anything in the meantime. I can't find any information on this bank and like their service, their is no phone number and no real website. 

Please help me. 
XXXX XXXX

Company response to consumer: Closed with monetary relief