Consumer complaint received 2025-05-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Stream Platforms, Inc.
State: TX

Complaint narrative:
Im filing this complaint against MyFlexPay due to a lack of transparency, predatory payroll-linked deductions, and system failures that have directly contributed to my financial collapse and upcoming bankruptcy filing. 

I was on leave from XX/XX/XXXX to XX/XX/scrub> 2025, and my MyFlexPay account showed as paused during this time. I assumed this was related to my leave or to my employers recent company acquisition, which had caused some payroll changes. 

Between XXXX and XX/XX/XXXX, I was able to make withdrawals from the app. I had no idea that wages were not being settled behind the scenes. After XX/XX/XXXX, the app again showed as paused, and I was unable to withdraw anything, so I assumed the account was officially frozen and that MyFlexPay would not take further action until I reactivated it. 

However, on XX/XX/year>2025, the day payroll was processed for a XX/XX/XXXX paycheck, MyFlexPay reactivated itself without notice and deducted {$2000.00} from my pay to settle supposed back wages. This deduction exceeded their own stated {$2000.00} limit on advances. I had never withdrawn anywhere near that amount in a single period, and the withdrawal wiped out nearly my entire paycheck. I was left with less than {$150.00} to survive two weeks, while {$600.00} I had budgeted for other auto-payments was funneled into an account I couldnt use. 

I switched to split pay in XX/XX/year>2025, allocating part of my wages to a secondary account to avoid overdrafts and maintain control of auto-payments. The {$600.00} split pay account was set as my primary account in the MyFlexPay app, and it was the account to which wage withdrawals were sent. MyFlexPay did not change my payroll deposit elections, but they failed to alert me when I added the second account that their service only allows one account. It was not until XX/XX/year>2025, the same day they reactivated my account and made the large deduction, that the app displayed a notice stating that only one account is permitted. The app asked me to remove the {$600.00} primary split pay account in order to regain access to earned wage advances through the remaining account ( my main account ). This late notice forced me into a position where I must choose between financial protections I set up and access to MyFlexPay services. 

A support representative admitted that MyFlexPay had not received any payroll deposits on my behalf since XX/XX/year>2025, effectively for nearly a month, yet they allowed me to continue withdrawing wages from the app during this time. This caused my balance to accumulate substantially without proper settlement until the XX/XX/XXXX deduction. 

To make matters worse, I still have split pay set up through my employer, a protective measure I took to manage my finances. MyFlexPay is now pressuring me to remove my secondary account through their app, which would give them full access to my main account again. 

A support representative told me : You can correct the payment election issue in the app by tapping on the XXXX XXXX This will return your account to access transfers once the payment elections are corrected and your account Settles the funds youve already transferred to yourself. 

This means MyFlexPay is denying me access to further earned wage advances unless I surrender control of my payroll elections and allow them to settle from my primary bank account. This feels coercive and unethical, especially after they already took {$2000.00} in a single deduction without adequate warning, more than their stated advance cap. 

I received no email, push notification, or warning prior to the reactivation or deduction. The app still showed my account as paused that morning. I only realized what was happening when I manually checked the app after seeing a discrepancy in my expected pay. 

I contacted support to ask for a repayment plan, refund, or delay, explaining that this unexpected withdrawal had caused severe financial hardship. The response I received was dismissive, stating that repayment plans werent applicable because I had already received my wages. My support ticket was closed without any further action or escalation. 

I am now facing overdrafts, unpaid bills, and have no money to cover basic expenses. I am being forced to file for bankruptcy, something I had been fighting hard to avoid. This experience was the final tipping point. 

MyFlexPay should not be allowed to : Display false or misleading account status ( e.g., paused while allowing wage advances ), Deduct large amounts from pay without explicit confirmation or notice, Require changes to official employer payroll elections just to manage the app or limit access, Reactivate an account without user approval and trigger automatic payroll deductions on payday, Violate their own {$2000.00} cap on earned wage withdrawals, Coerce users into giving up payroll protections like split pay in order to regain app access or settle wages they didnt even know were pending. 

This is unfair, deceptive, and predatory. I am asking the CFPB to investigate this companys practices and their compliance with earned wage access ( XXXX ) regulations, especially when their systems are directly integrated with employer payroll and impact how and when wages are distributed. 

Additionally, a support representative acknowledged : Please note : you actioned transfers from your account and myFlexPay has not received a Salary on your behalf since the Pay Date of XX/XX/scrub> 2025, the transfers are in your possession along with your Full pay from each Pay Date since XX/XX/scrub> 2025. 

The funds accessed are your own money, which you have already earned through work. Then, on your regular payday, any remaining wages owed that you have not already accessed are paid out as usual. 

Therefore, as there is nothing to repay, setting up a repayment plan in this situation is not applicable.

Company response to consumer: Closed with explanation