Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:05/02/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Purchased TV from ******* *********** on November 24, 2022.
  Paid $3499 + HST for TV, ******* sale person aggressively encourage to sign up for flexiti deferral program to close the deal, paid registration fee of $199.98 + HST, this black Friday 2022, very busy store, salesperson skipped all process even I asked for any issues/potential issues for signing up for flexiti, stating they do many contracts every day, no customer issues.
  Paid $379.85 to make even $3800 on the flexiti deferral program to paid in full by May 2024 without any interest.
  Got a call from flexiti in January 2023 that I need to pay for annual fee of $24.99, It said no problem, setup the account on flexiti.com, paid $200 and asked flexiti customer rep how to avoid payment issue, customer rep advised me to setup a automated payment process of $10 per month to avoid any issue, which I did and paid $10 every month starting April 2023 to Feb 2024.
  On Jan 15, 2024, got a text that payment is due, surprised about this as I pay flexiti $10 every month, called them, that I missed an annual fee of $24.99 and to make payment. I informed them I make payment every month of $10 to avoid this issue, but got informed that I need to make exclusive payment of $24.99 for the annual fee and that my payment are going to my purchase amount.
  Very upset about this information, I told that the previous customer rep from flexiti advised me to do this to avoid any issues, the new customer rep informed this information was incorrect and now I am in default of the deferral program and own $2055 in interest, if I can make the annual fee and purchase payment flexiti will remove the interest, I asked the customer rep to verify with supervisor, it was verified and PLUS all flexiti calls are recorded, I made my payment of $30 for annual fee and plus $3545 purchase amount, but flexti is still trying to get the $2055 interest from me.
  Need all the interest to be removed and account closed as I have fully paid my purchase amount

  Business Response

  Date: 16/02/2024

  This matter has been resolved as of 02/06/2024.

  The customer
  contacted Flexiti on 01/25/2024 to discuss the interest charged to their
  account. The customer made a payment for the remaining balance on their promotion on 01/26/2024, and their complaint was escalated and reviewed. The customer’s interest was
  adjusted accordingly.

  The customer’s account balance is now $0.00, and their account was
  closed on 02/06/2024.

  We trust we have resolved this matter to the customer's
  satisfaction. Should the customer have any further questions, we can be
  reached, at 1-877-259-3745.

• Initial Complaint

  Date:26/01/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hi, I just spoke with a person from flex city. I explain to the person that I had purchased furniture and the payment was due in full I believe on 17 January I tried to send the payment from the area that I was in which was not the area that I live but rural area. I told the person I tried to send an E transfer and it wasn’t going through so I did leave the area and make the payment in full but they received it two days later now they are telling me that I’m going to have to pay back all the interest from the time the purchase was made, I really did try to explain to them and tell them that I had made more than the minimum payment every month but she keeps on telling me that I need to wait until the interest goes on. I don’t believe the interest would be more than what I paid for the furniture . I am only human and we all do make mistakes. It is unfortunate that I was in rural area. I was in this area because my brother has lung cancer and was going to see if he could have it removed but unfortunately he just had triple bypass and they didn’t know if they could remove the part of the long so this is why I was late with my payment I don’t see a lease I just couldn’t get it to them. The email transfer would not go through in that area. . I did have another promotional account that I did pay off as well so as they would see, the problem was not me paying the money it was just that I was in the wrong place at the wrong time to send the email transfer, but was in the right place at the right time to be with my brother..

  Business Response

  Date: 05/02/2024

  The customer’s account has been reviewed
  in full.

  A dedicated case manager has been in touch with the customer and a
  mutually satisfactory resolution was reached on 02/05/2024. Once the customer’s
  agreed upon payment has been received, the appropriate interest adjustments
  will be made to the customer’s account.

  Should the customer wish to follow up they can contact us, and we
  would be happy to help. We can be reached, at 1-877-259-3745.

  Customer Answer

  Date: 05/02/2024

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  ******* **********

• Initial Complaint

  Date:16/01/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I purchased a laptop last 12/16/23. I then returned it and purchased another laptop because it was the incorrect model. The plan i purchased on the flexiti card was no payment, no interest for a year. I was of the assumption that it was the date of the second laptop that i would go of but on Dec16, i realized the terms were from the Dec 16 purchase. The 1st pymnt $900.24 was on feb6, 2023, i made the pymnt for the balance of $900 on Dec. 16. I called flexiti and was told that if we sent proof that the $900 balance was paid on dec16, then the interest charges would be removed. We then made a purchase at ******* in November which was a different transaction, the monthly payment for that transaction was $15. Flexiti is now telling us that we needed to pay the monthly charge for the other transaction and since it wasn’t paid we will now have to pay the interest that was accrued for the laptop. The two transactions have nothing to do with each other. They are two different terms. At no point in time when I called flexiti on Dec 16 did the representative tell me that the $15 charge needed to be paid as well. I would love your help in flexiti removing the interest as they told us they would if we showed proof

  Business Response

  Date: 26/01/2024

  This matter has been resolved as of 01/16/2024.

  The customer
  connected with our customer service team to discuss the interest charged to
  their account and an agreement was made. The customer made the requested
  payment, and the appropriate interest adjustment has now been completed.

  If the customer has additional questions regarding their account,
  they can contact us directly. We can be reached, at 1-877-259-3745.

  Customer Answer

  Date: 01/02/2024

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  ****** ******

• Initial Complaint

  Date:12/01/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I bought a bedroom set on August 22, 2022 with **** ********* in Winnipeg but the financing was done through Flexiti and this option gives you one year to pay the bill interest free from the time you receive the furniture. I did not receive furniture till December of 2022, so thinking I had till december of 2023 to pay bill in full. I only received an invoice with the full amount owing of $3200.00 including all taxes and fees with no contract or paperwork for my agreement. **** gets you to sign an **** and doesnt give you any paper work other than the bill of sale. I had to call Flexiti to find out how to get into my account and finally got into my account in August of 2023 to ask Flexiti what my account number was. Also, when I received my furniture, it was the wrong color. I orderd purple and received blue. I also discovered that my bill was due on August 13/2023, so I called them back to ask. I decided to pay the amount of $3200.00 in full on August 24, 2023, I also discovered Flexiti was adding an administration fee onto my bill and I told them that the $3200.00 was the amount owing and I wasn't paying a penny more as per my agreement. Flexiti has now added onto my account over $1700.00 interest and I do not know where this came from. I do not owe this money and have paid my bill in full. **** ** ******* ******* *** ***** **** * ********** ** **** *******. **** ******** **** *** *** * **** ******** *********. Please get back to me on this manner. thanks ***

  Business Response

  Date: 22/01/2024

  We have fully reviewed the customer's account. The customer made a
  purchase on August 13th, 2022, on a 12-month DP - S.A.C (Interest
  Accrues) promotional plan.

  The promotional expiration date is based on the date of the
  customer’s purchase and is not related to the delivery date.

  The customer was sent monthly statement reminders via the email on
  file, prompting them to login to the online portal. On every statement, it was
  advised that the promotional offer expires on and must be paid before the
  Promotional Expiration Date of August 13th, 2023, to avoid paying
  accrued interest charges. The Annual Interest Rate on regular credit purchases
  will then apply to any amount that remains unpaid.

  In accordance with the Cardholder Agreement, sent to the customer
  in their Welcome Email, for purchases on DP - S.A.C (Interest Accrues), no
  payments are due on purchases made under this promotion until the promotion's
  expiry date. No interest is payable during the promotional period, however,
  interest at the AIR applicable to Regular Credit Purchases accrues from the
  transaction posting date and the accrued interest will be charged to your
  Account if the promotional balance is not paid in full by the promotion's
  expiry date and any outstanding balance which was subject to the promotion will
  be treated as a Regular Credit Purchase.

  The customer did not make payment in full by their promotional
  expiry date therefore, the accrued interest was charged to the customer's
  account.

  Should the customer have additional questions, they can contact us
  directly and we would be happy to help. We can be reached, at 1-************.

  Customer Answer

  Date: 25/01/2024

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: I wasn't given any COPY of the Agreement that i signed on the **** at **** *********. I had no idea on  what type of agreement I entered into, I had nothing to look back on. When I purchased the bedroom suite, I was told that I had one year from the time i received furniture and that loan was interest free for one year, period. If I paid after the year then I would pay interest after the one year expired. I had no idea that the interest free wouldnt be honored. I did not know there was an expiry date and how could i know if I dont know what i signed. I walked into this agreement blinded. I was totally misinformed on this and i have copies of ****s ad regarding interest free for a year.  I was also told that Flexiti would send  me a copy of the agreement i signed. I also did not receive any welcome package. I did not know who Flexiti was until August of the following year and I didnt know my account number and had to phone flexiti  to ask for it. I only figured out who Flexiti really was until I ******* who they were. I was told that flexiti was a finance company and did not know that they were a credit card company. I phoned Flexiti on numerous occasions before August 13th of 2023 and told them that I was unhappy about the transaction with **** *********, cause they sent me the wrong furniture which was supposed to be  purple and not blue, plus the light on the bed does not work. That would be considered breach of contract. I also asked flexiti if they could reset purchase date and they said i was to ask **** ********* and I did, So **** did say they would reset purchase date, due to the fact I didn't receive my furniture until December of 2022. I don't think i should be punished for this nightmare of a transaction and I am asking to please give me a one time EXCEPTION of the interest..  I will agree to pay the monthly interest after August 13,2023 and not the $1424.52 from the supposed one year no interest that wasn't honored.   I would like to settle this manner and Flexiti. I am asking to Please credit my account the $1424.52 because if i would have known about these charges, I would have paid the bill earlier.  

  
  
  
  Sincerely,
  
  
  
  *** ******

  Business Response

  Date: 11/02/2024

  This matter was resolved as of 02/06/2024.

  The customer was in contact with our collections team on
  01/31/2024 and a mutually satisfactory resolution was reached.

  The appropriate adjustments were made to the customer’s account on
  02/06/2024.

  The customer has now paid their balance in full, and their account
  has a balance of $0.00.

  If there are any additional questions, we would be happy to help.
  We can be reached at 1-************.

• Initial Complaint

  Date:12/01/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Flexiti provides a ********* payment due date and a difficult-to-understand promotional expiration date for credit interest accrual. My payment was made in full on my payment due date, which fell three days after my promotional expiration date in which interest accrued. Their emails and customer portal are designed to be ********* in not providing clarity. I called customer service a month before my payment date to find clarity. Still, I was not provided any information about the difference between the promotional expiration and the payment due date listed on my account. My account has now accrued $1,776.24 of interest, which has only been revealed on my portal page after the promo expiration date, three days ahead of the Payment Due date shown on the account page. This system has been well designed to ensure promotions expire before the "Payment Date" listed to ensure this ********* lender can collect interest that otherwise would not have accrued.

  Business Response

  Date: 22/01/2024

  We have fully reviewed the customer's account. The customer made a
  purchase on November 5th, 2022, on a 14-month DP - S.A.C (Interest
  Accrues) promotional plan.

  The customer was sent monthly statement reminders via the email on
  file, prompting them to login to the online portal. On every statement, it was
  advised that the promotional offer expires on and must be paid before the
  Promotional Expiration Date of January 5th, 2024, to avoid paying
  accrued interest charges. The Annual Interest Rate on regular credit purchases
  will then apply to any amount that remains unpaid.

  In accordance with the Cardholder Agreement, sent to the customer
  in their Welcome Email, for purchases on DP - S.A.C (Interest Accrues), no
  payments are due on purchases made under this promotion until the promotion's
  expiry date. No interest is payable during the promotional period, however,
  interest at the AIR applicable to Regular Credit Purchases accrues from the
  transaction posting date and the accrued interest will be charged to your
  Account if the promotional balance is not paid in full by the promotion's
  expiry date and any outstanding balance which was subject to the promotion will
  be treated as a Regular Credit Purchase.

  The customer did not make payment in full by their promotional
  expiry date therefore, the accrued interest was charged to the customer's
  account.

  Should the customer have additional questions, they can contact us
  directly and we would be happy to help. We can be reached, at 1-877-259-3745.

• Initial Complaint

  Date:05/01/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I got my appliances from *** ***** (********* *********, I opted to use *******'s credit facilities. I first did the 4 years equal payment which was messed up from the word go. The store clerk at *** *****s had told me that I needed to pay the taxes on the purchase I made in store, so my ******* card was charged for it, to my surprise, ******* started charging me interest so I asked why, then I was told that i got the wrong information from t6he store and that I was supposed to pay the taxes in after my statement period. I called and called until this was resolved, because of the problem I faced with the equal payment option, I then closed the equal payment account before 9 months even though i elected for 4 years. I then went with the deferred payment option. To my surprise, I was still getting charged interests, I called the customer service department again and I was told at some point that I paid money in before my statement period, on another occasion I was told that the "system automatically chooses where my payment goes to" because it was not going into the account I wanted it to go to based on the scheduled dates.
  
  I got tired and called again at this point interest charges were reversed, there was a deferred payment coming due so I paid off as of due date, but missed one of it by 2 days based on weekend payment and all. Flexity immediately collapsed all the deffered payment and started charging me interest of over 31.99%. I made a call through and at first someone there said she would see to it, the customer service agent came back and said my loan would be collapsed and i would pay an interest of 9.99% but make a monthly payment, I told her I could not because I already planned my finances based on the deferred payment plans I had made. She came back that management said "the offer was off the table" I am still shocked, sounded to me like the company were doing me a favor when it's their systems and policies and inadequate information from the start that had messed things up.

  Business Response

  Date: 16/01/2024

  The customer’s account has been reviewed in full. The customer’s promotions
  have defaulted due to multiple missed payments.

  Customers are also sent monthly
  statement reminders to the email on file advising them that their statement has
  been released and prompts them to login to the online customer portal to view
  it. The statement includes the minimum monthly payment amount and its due date.

  The customer also missed their payment with a due date of July 24th,
  2023, in which payment had to be received between the dates of July 3rd,
  2023, and July 24th,2023, to align with their billing cycle.

  The customer missed their payment
  with a due date of October 23rd, 2023, in which payment had to be
  received between the dates of October 2nd,2023 and October 23rd,2023
  to align with their billing cycle.

  When a customer misses or short-pays two payments within 12
  months, ******* has the right to cancel any promotional offers. At the end of
  each statement and included within the terms of the Cardholder agreement, it is
  noted that if we do not receive the required payment under a Promotional Offer
  by the Balance Due Date in effect, we may, at our option, cancel one or more
  Promotional Offers applicable to the Account, effective on the date such
  default occurred. If we cancel a Promotional Offer applicable to the Account,
  any amount payable under an unexpired Promotional Offer will immediately become
  an interest-bearing amount and in all other respects shall be treated as a
  Regular Credit Purchase in accordance with the terms of the Agreement.

  The customer was in contact with our customer service team on 12/28/2023
  to discuss their account and the possibility of reinstating their promotional plans.
  The customer’s account was reviewed, and the customer was offered a refinancing
  plan for a new equal monthly payment plan for 15 months at an interest rate of
  9.99%. This offer was declined by the customer.

  Should the customer have additional questions, they can contact us
  directly via email at **********@*******.com to
  schedule a phone call with a dedicated case manager.

• Initial Complaint

  Date:02/01/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Subject: Disputing Unauthorized Inquiry on Credit Report - Urgent Resolution Needed
  
  Dear [BBB Representative's ],
  
  I hope this email finds you well. My name is ***** ***** and my DOB ********** , and I am writing to bring to your attention a concerning issue regarding a false inquiry on my credit report.
  
  I recently discovered an inquiry made by Flexiti Financials on my credit report, and I would like to emphasize that I have never entered into any contractual agreement with this company. This unauthorized inquiry is both inaccurate and damaging to my credit history.
  
  I have ******** supporting documentation, including proof that I have not engaged in any business dealings with Flexiti Financials. I kindly request your assistance in investigating this matter promptly and facilitating the removal of the unauthorized inquiry from my credit report.
  
  Maintaining the accuracy of my credit report is crucial, and I trust that the BBB will help ensure a fair resolution to this issue. Please let me know if there is any additional information required from my end to expedite this process.
  
  Thank you for your prompt attention to this matter, and I appreciate your assistance in resolving this dispute.
  
  Sincerely,
  ***** *****

  Business Response

  Date: 12/01/2024

  Per Flexiti and credit bureau
  policy, we cannot reach out to ***** ***** on a customer’s behalf. The process
  must be initiated by the claimant with ***** *****/*******. Once we receive the
  declaration from the customer’s credit bureau, and confirm the same as
  fraudulent, the credit score will be reinstated.

  Should the customer have additional questions, they can contact us
  directly and we would be happy to help. We can be reached, at 1-877-259-3745.

• Initial Complaint

  Date:02/01/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On Dec. 27, 2023 I noticed that I was being charged creditor insurance once a month creditor insurance that I did not sign up for. I do not have any documentation that shows i selected to pay creditor insurance. I know that i always opt out of creditor insurance. I only have 2 payment plans with Flexiti and I know that i did not select creditor insurance. I phoned flexiti who advised that I had signed up for ************ insurance through one of the merchants but could not tell me which merchant. They said I had to call ************, which I did. They were not able to help me other than send a cancellation form. They advised that no refunds were allowed and that in September 2023 Flexiti indicated that I had signed up for creditor insurance. ************ advised that I would have received an email from Flexiti giving me 30 days to cancel. I searched my email inbox and could not locate such an email.

  Business Response

  Date: 12/01/2024

  We have fully reviewed the customer's account. The customer signed
  up for a payment protection with *** (*********** Insurance) at the time of
  their online account login, hence the ******* ******** premium charges that
  were appearing on their account.

  The customer was sent an email on August 18th, 2022,
  confirming the insurance and the details of the insurance. The email presented
  the following information:

  Payment protection coverage start date:
  September 01, 2023
  Premiums for the Simply Secure program will be conveniently
  billed each month and can be found on your monthly Flexiti statement. Premiums
  for the Simply Secure program will be conveniently billed each month and can be
  found on your monthly Flexiti statement.
  You have a 30-day risk free period. Should you cancel your
  insurance in the first 30 days, any premium billed during that period will be
  refunded to your Flexiti account.
  Coverage is immediate and may be cancelled at any time by
  providing notice to *********** Insurance at 1-************ or in writing by
  emailing ********************************** or faxing 1-***********1.

  We can confirm that the payment protection plan was cancelled on
  the customer’s account as of 01/03/2024, but no refunds were authorized.

  Please note, Flexiti does not receive the premiums as the ******* ******** insurance is dealt by a third party, ***. Should the customer wish to
  discuss the premiums further, they are encouraged to reach out to *** directly.

  Should the customer have additional questions, they can contact us
  directly and we would be happy to help. We can be reached, at 1-877-259-3745.

• Initial Complaint

  Date:22/12/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had a negative balance on my account of -$60.00. I asked for my account to be closed and the balance issued to me via a check. They have refused and will not respond to my emails. I called and asked to speak to a supervisor. at that time I also asked for the money owed to me to be returned. At this point, they had taken $25.00 of it and claimed it was a fee for holding my negative balance for too long even though Iv asked multiple times to have the money returned to me. I also asked the supervisor for what government agency they are covered by be in the Financial consumer agency of Canada or similar. They refused to let me know and said I would have to send an email in reguesting this information as well as an email requesting my funds returned. I tried to explain that I had already sent in multiple requests to the email provided and they keep denying returning the balance to me. I followed through though and have sent 3 more emails in none of which have received a response.

  Business Response

  Date: 29/12/2023

  The customer’s account has been reviewed.

  The customer should note that ******* does not provide credit
  balance refunds by cheque, but through EFTs.

  In order for us to issue the credit balance refund that the
  customer has requested, we’ll need additional information. The customer should email
  us a copy of their direct deposit form or void cheque at their earliest
  convenience to ************@*******.com.
  The email should also include their Flexiti account number and name. Flexiti will then issue an EFT directly to the account number listed on the direct
  deposit form or void cheque. This process generally takes 8-10 business days
  from the date of receipt.

  As a courtesy, we have reversed the credit balance annual fee of $25.00,
  returning the customer’s current credit balance to $60.00.

  Should the customer have additional questions, they can contact us
  directly via email at **********@*******.com to schedule a phone call with a dedicated case manager.

• Initial Complaint

  Date:14/12/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I utilized a flexiti credit card to purchase the appliances for my home. I had it set up for equal payments. When I was getting the bill, it gave me an option to pay just the minimum payment. This is what I did noting the option was there and I had other competing financial priorities. I was suddenly informed that flexiti has revoked all the promotional plans I was on and now charging me compounding interest at 39.99%. I was told this is because I was paying just the minimum payment, which said I could pay this to remain in good standing. I was told there is no way I can have this full amount refinanced so that I can have more affordable payments. Currently the minimum payment is for $812 for just interest per month. This is for a $22,000 balance. I would like a reasonable solution.

  Customer Answer

  Date: 18/12/2023

  Please close this complaint. The company just called me and we agreed to a resolution of the issue.
  
  Thanks,
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