Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Flexible Finance, Inc.
State: GA

Complaint narrative:
I am refiling a complaint against Flexible Finance , Inc. ( Flex ) regarding a false debt claim related to my XX/XX/year> rent payment for XXXX XXXX  Apartments, managed by XXXX XXXX. 
My prior CFPB case was closed prematurely and did not resolve the issue. Flexs prior response was inaccurate, omitted documentation, and falsely implied that I was responsible for charges billed by XXXX XXXX, which Flex has no legal authority to collect. 

Timeline of Events XXXX XXXX : I provided advance written notice to XXXX XXXX  / XXXX Partners of my move-out date in XXXX. My rent was prorated well in advance months before XXXX to {$630.00} + utilities, as confirmed in my Notice to Vacate. 
XX/XX/year> : Flex paid my full rent amount of {$1400.00} to the property on my behalf through their rent-splitting service. 
XX/XX/year> : I notified Flex that XXXX rent had been prorated and that the correct amount was {$630.00} + utilities. Flex advised that I contact my property management directly for any refund since they had already paid in full. 
After I moved out : XXXX XXXX later assessed move-out and utility chargesthese were billed after I vacated and were never part of XXXX rent or the Flex transaction. 
Despite that, Flex later claimed I owed them {$600.00} {$600.00}, asserting that my account had utilities and move-out charges applied, and sent the disputed amount to collections ( XXXX ). 


Why Flexs Response Is False and Misleading 1. Proration was established months before any additional charges.

I knew about and documented my rent proration months in advance, before any move-out or utility fees were ever created. Flexs statement that utilities and move-out charges were applied to my account as justification is chronologically impossible and completely inaccurate. 

2. Flex and XXXX XXXX are separate entities. 

The move-out charges and utilities Flex referenced were assessed by XXXX XXXX XXXX XXXX XXXX  XXXX not Flex. Flexs system handled rent payments only ; it can not apply or collect property fees. By using Rams post-tenancy charges to justify a debt within their own system, Flex misrepresented another companys billing as their own. 

3. Flexs hypocrisy. 

In the same CFPB response, Flex told me to work directly with property management to resolve any overcharge, yet then claimed to have confirmed with the property manager that no overpayment occurred and sent me to collections. 

Flex can not simultaneously disclaim responsibility for the propertys accounting and claim final authority over it. That is inconsistent and deceptive. 

4. Missing and contradictory evidence. 
Flex referenced a XX/XX/year> rent ledger ( Document 6 ) but never provided it. 

They also failed to show : When each charge was posted on the ledger ( rent vs. utilities vs. move-out ) ; Any refund or credit audit between Flex and XXXX XXXX  XXXX A consistent balance explanation ( they alternated between {$600.00} and {$600.00} ). 


Requested Actions I request that the CFPB : XXXX. Reopen investigation into Flex and require them to provide : The complete XX/XX/year> ledger with timestamps for rent, proration, utilities, and move-out charges. 
The written confirmation Flex claims to have from XXXX XXXX XXXX XXXX XXXX. 
A refund/credit audit showing whether Flex was reimbursed after my proration was communicated. 
2. Instruct Flex and their collections vendor XXXX to cease all collection and credit-reporting activity until this debt is fully validated. 
3. Confirm that Flex has no standing to collect on property charges originating from XXXX XXXX, as those were never part of my Flex account or line of credit. 


Attachments Flexs CFPB response ( dated XX/XX/year> ) My Notice to Vacate showing the prorated rent amount ( {$630.00} + utilities ) Email correspondence with Flex and XXXX XXXX confirming communication prior to any move-out or utility billing Statement : Flex is misrepresenting the nature of this debt by merging two unrelated billing systems and inventing a link between my pre-planned rent proration and charges billed weeks later by another company. This is deceptive, inconsistent, and unfair. I am not responsible for the alleged balance and request a full reinvestigation.

Company response to consumer: Closed with explanation