Consumer complaint received 2026-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or missing disclosures — 
Company: Stream Platforms, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding the way myFlexPay structures and communicates repayment of earned wage access ( EWA ) transfers, which resulted in unexpected and financially harmful payroll deductions. The core issue is not that the system malfunctioned, but that the repayment mechanism is not clearly or adequately disclosed to users, leading to a reasonable misunderstanding that directly caused financial harm. Summary of Events I used the myFlexPay service to access earned wages prior to payday. Based on how the platform presents work weeks ( Sunday through Saturday ), I reasonably understood that transfers made in different weeks would be repaid separately across different paychecks. I made the following transfers : XX/XX/year> {$650.00} + {$3.00} fee XX/XX/year> {$340.00} + {$3.00} fee XX/XX/year> {$380.00} + {$3.00} fee These were settled as follows : XX/XX/year> paycheck {$650.00} deducted ( partial settlement of XX/XX/XXXX transfer ) XX/XX/year> paycheck {$730.00} deducted ( remaining balance plus both XX/XX/XXXX and XX/XX/XXXX transfers and fees ) As a result, I received paychecks of {$0.00} and approximately {$26.00}, creating immediate financial hardship and impacting my ability to meet essential obligations, including rent. How the System Actually Works ( Per Company Explanation ) After contacting support, I was informed that repayment is not based on the displayed weekly work periods or when transfers are made. Instead, repayment is governed by a lock date system : Transfers made before the lock date are settled on that paycheck Transfers made after the lock date are settled on the next paycheck In my case : Pay period : XX/XX/XXXX to XX/XX/year> Lock date : XX/XX/year> Both the XX/XX/XXXX and XX/XX/XXXX transfers occurred before the XX/XX/XXXX lock date, which caused them to be combined into a single paycheck deduction. Disclosure and Design Issue The problem is that this lock date mechanism is not clearly presented in a way that a reasonable user can rely on when making financial decisions. 1. Terms of Service focus on payroll cycles, not lock dates The Terms of Service describe the service in relation to : Available Earnings before the employer runs payroll Earnings accrued since the last payroll run Access before the next payroll run Deductions from the end of pay-cycle salary payment This language frames the service around payroll cycles and pay periods. However, the Terms I reviewed do not clearly define or prominently disclose that a separate lock date determines which paycheck is actually debited. 2. App presentation reinforces a weekly structure The platform displays work weeks as Sunday through Saturday, which reasonably suggests that repayment aligns with those periods. There is no clear, prominent indication at the point of transfer that : -displayed work weeks do not control repayment timing -multiple transfers across different displayed weeks may still be combined into one paycheck -a lock date is the actual controlling factor 3. Company acknowledgment of the issue In their final response to my complaint ( Reference XXXX ), the company acknowledged : That the Sunday-to-Saturday work week display could reasonably lead someone to expect repayment would align with those periods That the lock date mechanism isn't clearly visible at the point of making a transfer Despite acknowledging both the potential for reasonable misunderstanding and the lack of visibility at the decision point, the company denied any reimbursement or adjustment. Why This Matters This is a disclosure and transparency issue. A financial product that : allows early access to wages automatically deducts repayment from paychecks uses a non-obvious internal mechanism ( lock date ) to determine repayment timing must clearly and prominently disclose how and when deductions will occur. In this case, the system : presents one structure ( weekly work periods ) operates on another ( lock date cutoff ) does not clearly connect the two at the point of user decision-making This creates a materially misleading experience and exposes users to significant and unexpected wage depletion. Financial Impact Due to this lack of clear disclosure : Multiple transfers were combined into a single paycheck deduction I received paychecks of {$0.00} and approximately {$26.00} This caused immediate financial hardship, including difficulty meeting rent obligations

Company response to consumer: Closed with monetary relief