Consumer complaint received 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Flexible Finance, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> Re : Claim Number XXXX Request for Reconsideration To Whom It May Concern, I am writing in response to your letter dated XXXX XXXX, 2026. After reviewing your findings, I remain completely unable to understand how you arrived at the conclusion that I owe {$520.00}. Your determination appears to rely on Flexs assertion that these funds were refunded to me. There is no evidence that such a refund ever occurred. 
To be clear : 1. There is no record of any deposit of {$520.00} into my XXXX  XXXX XXXX account. 
2. I never received these funds in any form.

3. I never cashed or deposited a check from Flex.

4. There is no evidence that these funds were applied toward my rent. 
In short, there is no paper trail whatsoever. A legitimate financial transaction especially one involving a refund would generate documentation, including an ACH trace number or a copy of a cancelled check. None has been provided. The absence of any verifiable record strongly suggests that the funds were never disbursed to me. 
Your letter also states that Flex paid my rent in full. This is demonstrably false. Flex paid nothing toward my XXXX rent. My bank statement clearly shows a withdrawal of {$1000.00}, which I personally paid to my apartment complex. There is no corresponding credit from Flex to offset this amount. 
Regarding my Flex account, I attempted to cancel it in early XXXX. I mistakenly did not scroll far enough to complete the cancellation, but even so, Flex still paid XXXX dollars toward my rent. A repayment charge can not be justified when no payment was ever made. 
Additionally, Flex has been unable or unwilling to provide proof that the {$520.00} refund was ever issued. If Flex truly disbursed these funds, they should be able to produce : An ACH trace number A deposit confirmation A copy of any check allegedly issued Proof of payment to my property manager To date, none of this exists. 
I am XXXX XXXX XXXX and can not afford to lose {$520.00} due to an internal accounting error by Flex or a misapplied transaction. I am being asked to repay money I never received, for rent Flex never paid. This is unjust and unsupported by any verifiable evidence. 
I respectfully request a full reconsideration of this claim. Unless documentation can be produced showing that the funds were actually delivered to me or applied to my rent, I can not accept liability for this amount. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX * Additional statement about regulatory expectations : Banks and financial services are required to maintain : Transaction logs ACH trace numbers Check images Refund confirmations If none exist, then the refund did not occur. 

Practical Next Steps You Might Consider XXXX. XXXX  XXXX XXXX ACH trace Please provide this trace. 
If Flex claims they sent money to my account, XXXX can trace it. 
If no trace exists, Flexs claim collapses. 

XXXX. I will file a complaint with the CFPB As you know, the Consumer Financial Protection Bureau handles disputes involving XXXX companies. 
Flex has been the subject of many complaints. 

XXXX. I will provide XXXX with the BBB record You will note a pattern of similar issues. 

XXXX. I request Flexs refund confirmation Flex must provide : Date Method Destination account Trace number If they can not, the refund did not happen. 

Summary Publicly available information reinforces my position : Flex has a history of refund/payment failures Their own documentation shows refunds can be triggered without successful payments They are not a bank and rely on thirdparty systems, increasing the chance of misrouting Nothing in the search results contradicts my account. In fact, they support it. 

Thanks again for your review. Please use any available tracing in resolving this as well as on line contribution. 

* Additional Context About Flex ( Based on Search Results ) 1. Flex has a documented history of refund/payment failures. 

The BBB page shows hundreds of complaints involving : Refunds that were issued but never received Payments taken but not applied to rent Conflicting or duplicate communications from Flex staff Difficulty getting proof of transactions This aligns closely with my experience. 

2. Flexs own help center confirms that refunds can be triggered automatically Flex lists several reasons a refund might be issued, including : Overpayment System not detecting a rent balance Payment submission issues User pausing or canceling the payment process But crucially, they do not provide any guarantee that the refund will reach the customer if their system misroutes it. 

XXXX. Flex is not a bank Flex is a financial technology company. Their banking services are provided by XXXX XXXX  or XXXX XXXX  ( per their website ). 
This means : They rely on thirdparty systems Errors can occur between Flex bank property portal Paper trails can break if a transaction fails midstream This strengthens my argument that Flex must provide proof, not just an assertion. 

Please provide the following documentation : A copy of the ACH transaction record The trace number ( required for all ACH transfers ) A copy of any check allegedly issued Proof of deposit into your account Proof of payment to your property manager If Flex can not produce these, the burden shifts entirely off of me. 

Additional statement about regulatory expectations : Banks and financial services are required to maintain : Transaction logs ACH trace numbers Check images Refund confirmations If none exist, then the refund did not occur. 

Practical Next Steps You Might Consider XXXX. XXXX  XXXX XXXX XXXX trace Please provide this trace. 
If Flex claims they sent money to my account, XXXX can trace it. 
If no trace exists, XXXX claim collapses. 

XXXX. I will file a complaint with the CFPB As you know, the Consumer Financial Protection Bureau handles disputes involving XXXX companies. 
Flex has been the subject of many complaints. 

XXXX. I will provide XXXX with the BBB record You will note a pattern of similar issues. 

XXXX. I request Flexs refund confirmation Flex must provide : Date Method Destination account Trace number If they can not, the refund did not happen. 

Summary Publicly available information reinforces my position : Flex has a history of refund/payment failures Their own documentation shows refunds can be triggered without successful payments They are not a bank and rely on thirdparty systems, increasing the chance of misrouting Nothing in the search results contradicts my account. In fact, they support it. 

Thanks again for your review. Please use any available tracing in resolving this as well as XXXX contribution. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation