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:07/10/2025

  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 order items for Christmas last year and I paid off my contract twice. They changed how much I owed them so I paid it once and they changed it so I paid that amount as well. Now they are saying I still owe them and I have to send my stuff back to them.This company is no legit! They need to be shut down and repay everyone who ever order from them. They just want more money than required. I had to change my bank information so they could stop taking money after I paid what I owed them. This company is fraudulent!

  

  Business Response

  Date: 07/16/2025

  Thank you for reaching out to us. We truly regret the frustration and inconvenience youve experienced, and we understand how upsetting this situation must beespecially after making multiple efforts to pay off your account. After reviewing your account, we want to provide clarity regarding the balance and payment activity:

  Prior to February 27, 2025, there were multiple weekly payments that declined on both ACH and card. You then attempted to pay off the balance by submitting a $942.07 payment on February 28, 2025 through the FlexShopper central portal. Unfortunately, this amount was not sufficient to satisfy the total loan due to three outstanding ACH payments of $67.74 each from February 14, 21, and 28, which were in the process of being returned. On March 10, 2025, your bank sent us a delayed return notice advising that those ACH transactions were not authorized. These three payments totaled $203.22, which, when added to your original balance, brought the true payoff amount to $1,280.76.

  We acknowledge the payment of $671.11 made on March 5, 2025, and want to assure you we are committed to working with you toward a resolution. Please give us a call at ************ so we can review your account and go over your available options. We appreciate your time, your business, and your patience as we work to resolve this matter.

  Customer Answer

  Date: 07/16/2025

   
  Complaint: 23579515
  
  I am rejecting this response because: I owed. $622 and paid it then when I logged in it said lease complete. I called and talked to someone who assured me I was done paying. Then I noticed I had 2 more payments come out. I called my bank and told them to reject anymore payments because your company was just sucking money from me. It seems odd that all the complaints are similar. Your company bleeds money from people. I can't wait for a lawsuit against the *******************
  
  Sincerely,
  
  ******** **********

  

  Business Response

  Date: 07/21/2025

  Thank you for your response. We understand your frustration and would like to clarify the situation based on our previous communications.
  As noted in your account history, three separate representatives explained the Same-As-Cash process to you during your calls on February 28, March 5, and March 7. Each agent outlined that any final payoff amount would not reflect pending payments that were already processing unless all scheduled payments had cleared.
  When you submitted the final payment, it did not include three scheduled payments that were still in process. These payments, totaling $203.22 (three installments of $67.74), were subsequently rejected at your instruction to your bank. This is why your account still reflects an outstanding balance.
  While we understand your concern, the information regarding the payment process was thoroughly provided. We encourage you to reach out to us directly so we can review your account together and discuss payment options to resolve the remaining balance.
  Were here to assist and are committed to a fair resolution.

• Initial Complaint

  Date:07/09/2025

  Type:Service or Repair 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 opened an account with FlexShopper in December 2024. I made the monthly payments. It was paid in full April of this year. The account cleared. It said paid. 3 weeks later. They reopened the account. And started to charge my card again. My bank blocked them. They still continue to charge my card. My husband called them. They said there's still $46 left. We paid it 2 weeks ago. They said, that was it. There wouldn't be anymore charges. The account bow says $126 is owed. They contine to try and cheat us out of money. They keep making excuses. Even after showing proof of payment.

  

  Business Response

  Date: 07/16/2025

  Thank you for reaching out, and we sincerely apologize for the inconvenience and frustration this situation has caused. 

  
  We acknowledge the concerns you shared regarding the charges following the payoff of your FlexShopper account, and we appreciate you bringing this to our attention. We also want to confirm that a conversation did take place with one of our agents via text on Friday, July 11, 2025, in which these issues were discussed.

  
  After reviewing your account, were pleased to inform you that the matter is now considered resolved, and the lease has been officially closed. No further charges will be processed, and we sincerely apologize for any confusion or disruption this may have caused you and your family. If you have any additional questions or need further confirmation, please dont hesitate to contact us. We appreciate your patience and your continued trust in FlexShopper.

  Customer Answer

  Date: 07/29/2025

   
  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:07/03/2025

  Type:Order 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.

  Flex shopper is charging way more than the items are worth.I got sick and was put in a hospital and couldn't make the payments.I've reached out several times to try to pay off the amount that was due before it was inflated to no Avail.I.'Ve been offered several times a settlement offer.But there's no option to make payments.I want to just pay the $845 offered in the settlement and be done with this company

  

  Business Response

  Date: 07/14/2025

  Thank you for reaching out and sharing your concerns. Were truly sorry to hear about the challenges you've faced and apologize for any frustration this situation has caused.
  We want to work with you toward a resolution. While we understand your desire to settle your account, we will honor the $845 settlement and are willing to split the paymentscontingent upon a phone call made by you so we can set up the arrangement properly.
  Please note: The first installment must be completed before the end of July in order for us to honor this agreement.
  Additionally, you previously mentioned that the checking account used did not belong to you. However, our records indicate that the payment method was saved under the same IP address used to initiate the lease.
  Were here to help and want to resolve this matter in a way that works for both parties. Please give us a call at ************ at your earliest convenience so we can finalize the arrangement

  Customer Answer

  Date: 07/29/2025

   
  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:07/03/2025

  Type:Service or Repair 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.

  So this company tell u about early pay off but when u pay it off they still continue to take out your weekly payment since its connected to your bank they keep a extra payment the pay off was 166 before the payment due now oh its ******************************************************************* financial information either

  

  Business Response

  Date: 07/14/2025

  Thank you for reaching out. We truly apologize for any confusion or inconvenience youve experienced.
  We understand your concerns regarding the extra payment following your payoff. Please know that the weekly automatic payment was already in processing during the same timeframe you completed your early payoff on July 2, 2025. Because of the timing, this payment was successfully debited before our system could reflect the account closure.
  We appreciate your patience and understanding, and were here to help if you have any additional questions or need further assistance.

  Customer Answer

  Date: 07/14/2025

   
  Complaint: 23552312
  
  I am rejecting this response because:
  
  Sincerely,
  
  **** *********

  

  Business Response

  Date: 07/14/2025

  Nothing further was added to consumer rejection

  Customer Answer

  Date: 07/14/2025

   
  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:07/02/2025

  Type:Service or Repair 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 started a lease and contacted business before creating lease that I would be leasing a new item. You can clearly see from the pictures items were damaged and looked like previously used. Upon contacting company I wanted them to edit the price of the items since I was sold like new items that were used. Was told that they wouldnt let me out of lease or edit prices without contacting the people who provided item. Items are installed in my house currently based off previous interaction with a previous associate. Business practices are deceptive and I would like my items prices to be reflected for a used item and not a new damaged item.

  

  Business Response

  Date: 07/09/2025

  Thank you for reaching out. Were sorry to hear about your recent experience and appreciate the opportunity to address your concerns.
  
  Please know that FlexShopper does not sell refurbished or used items unless clearly specified on our website. If the items were damaged in shipping, we can file a damage claim with the carrier. Our goal is always to provide our customers with new, quality merchandise and a satisfactory shopping experience.
  
  While we understand you do not wish to return the items, we would like to assist you further. The vendor has a 30-day return policy in which if you are unsatisfied we would like the option to return the items. 
  Based on your message, youve advised that the item arrived used and with missing parts. Unfortunately, the photos provided did not clearly reflect any visible damage or missing components. However, we are happy to contact the vendor on your behalf to request replacement parts. To proceed, we kindly ask that you provide the description or SKU of the missing components.  
  
  We apologize for any inconvenience and truly hope to resolve this matter for you. Please respond with the requested details, and we will take the next steps immediately.

  Customer Answer

  Date: 07/23/2025

   
  Complaint: 23549477
  
  I am rejecting this response due to the fact that I had to reach out to original manufacturers myself and get the correct parts coming. The items were indeed second hand as Whirlpool did say the serial number had been previously registered under warranty. I did get the correct parts needed for repair on my own. To charge such an exorbant price for a item and then offer little or no way to correct it is ridiculous. I will keep the items and faithfully make good payments but my issues were not resolved by the company, I had to resolve them myself. 
  
  Sincerely,
  
  ****** *******

• Initial Complaint

  Date:07/02/2025

  Type:Product 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.

  On 6/27/2025 I placed an order (I had viewed their site multiple times for months). I had been approved for 1600 dollars. I made an initial purchase of with my debit card and set up a lease agreement for them to use ACH withdrawals for future payments. They emailed me a copy of the lease, and then I heard nothing. On 6/30/25 I emailed them asking for a status on my order. On 7/1/25 I contacted them via chat and was told it has been processed and is waiting for the store (Best Buy) to reply to them (They are a 3rd party leasing company). Later that night (7/1/25) I received a reply to my email from days ago stating that my order was cancelled because my bank was not verified with CHIRP, and that their automated approval system did not catch that. I have since asked for a refund to my debit card for all charges ($53.06) and have not heard back from them. I sent an email to them on 7/1 and again on 7/2. I have tried the web chat multiple times and told nobody is available to chat with me (even though chat hours are clearly posted.) I attempted to call them at the number they provided me: ************, and it just rings with no answer. The lease agreement does mention a "non-refundable processing fee that is applied toward the first payment on the lease"; However, if they cannot execute the lease (they cancelled my order) then they should not be entitled to any fees from me. I had already been approved prior to making any type of payment and then they pulled my approval after I made the initial payment. Now I am getting no response from them. Multiple reviews on multiple websites are showing similar cases from other individuals.

  

  Business Response

  Date: 07/10/2025

  Thank you for reaching out, and I sincerely apologize for any frustration caused by the delay in communication regarding your recent order.
  Id like to confirm that a refund in the amount of $53.06 was submitted on July 2, 2025. Refunds typically take *************************************************************** your account, depending on their processing times.
  We appreciate your patience during this process and understand how important it is to have clear and timely updates. If you have not seen the funds returned after the 10-business-day window, please dont hesitate to contact us.
  If you have any further questions or need assistance, please feel free to reach out to us at ************

  Customer Answer

  Date: 07/10/2025

   
  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:06/27/2025

  Type:Sales and Advertising 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.

  After NO contact for over three years I suddenly get an email regarding a payment made. I hadn't authorized any such payment and called the number in the email after verifying it was correct. I then sent an email stating I wanted to revoke the authorization given in 2022. I then called my bank to do the same. Well after years of no communication this company debited my account with NO notice. When you call the customer service number which I have and been on hold just to get someone you can't understand and then hung up on. How can you resolve issues when the company has such terrible customer service and support? After waiting for 30 minutes I get hung up on with no resolution to my issue.

  

  Business Response

  Date: 07/10/2025

  Thank you for reaching out and sharing your concerns. We sincerely apologize for the frustration and inconvenience youve experienced, especially regarding the recent automatic payment
  Please know that we have stopped all automatic payments on your account on June 27, 2025 after you reached out to us and were assisted. Moving forward however, we would like to clarify that this action does not revoke or delete the payment method we have on file. Since we did not receive a specific request from you to remove the payment method itself, it remained active on your account.
  As outlined in Section 11 of your Lease Agreement, FlexShopper reserves the right to collect any past-due payments using the payment method on file. For your convenience, a copy of your lease agreement is attached for your records and reference.
  We understand your concerns and are here to assist you. If you have any further questions, would like to update your payment information, or need additional support, please dont hesitate to contact us at **************.

• Initial Complaint

  Date:06/27/2025

  Type:Customer Service 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.

  6/25/2025 on this date flexshopper charged my account I didnt have any funds available so now I am overdrawn I have paid off my account and dont owe them anything

  

  Business Response

  Date: 07/10/2025

  Thank you for reaching out and sharing your concerns. We sincerely apologize for the frustration and inconvenience youve experienced, especially regarding the recent automatic payment and the difficulty reaching our customer service team.
  Please know that we have stopped all automatic payments on your account going forward. However, we would like to clarify that this action does not revoke or delete the payment method we have on file. Since we did not receive a formal request to remove the payment method itself, it remained active on your account.
  Your leases are not paid off, and on August 6, 2024, we responded to your inquiry with a settlement offer totaling 50% of the outstanding amount. The recent charge was processed in accordance with Section 11 of your Lease Agreement, which allows FlexShopper to collect past-due payments using the payment method on file.
  For your convenience, a copy of your lease agreement is attached for your records.
  We understand that unexpected charges can be upsetting, and were here to assist you. Please give us a call at ************** so we can further discuss your account and review additional payment options that may be available to you.
  Thank you again for your time and understanding

• Initial Complaint

  Date:06/27/2025

  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.

  Complaint Against FlexShopper Date of Incident: 06/27/2025 Details of Complaint:On June 27, 2025, I noticed an unauthorized charge on my bank account labeled as ********************** 2. I have not used FlexShopper since 2022, and I have not authorized any recent payments to them. I contacted my bank immediately, and they informed me that the payment was processed over the phone using my bank account and routing number. I want to emphasize that I did not make this call and did not authorize this transaction in any ****** 2022, I defaulted on my FlexShopper payments and have had no further contact with the company since then. The last communication I received from FlexShopper was in November 2024, stating that my account had been sold to another company. Since then, I have not received any phone calls, emails, or legal notifications regarding any balance, payment arrangement, or court-ordered garnishment.I attempted to contact FlexShopper via phone and their online chat to address this unauthorized charge, but I have been unable to reach a representative. I have waited several times on hold for 25+ minutes just for an automated voice to say "No agents are available, please call back later" This has caused frustration as funds were withdrawn from my account without ********** this time, I am requesting the following:1)A full investigation into how this charge was initiated and by whom.2)Immediate refund of the unauthorized payment.3)Written confirmation that FlexShopper has no legal basis or authorization to withdraw funds from my *************** documentation regarding the status of my previous account and verification that it was sold, as stated in November 2024.I take unauthorized access to my financial accounts very seriously and am requesting that this matter be addressed and resolved promptly. And would also like my flex shopper account/username information removed and closed.

  

  Business Response

  Date: 07/10/2025

  Thank you for reaching out and sharing your concerns. We sincerely apologize for the frustration and inconvenience youve experienced, particularly regarding the recent automatic payment and the difficulty connecting with our customer service team.
  Please note that your account was placed with Emergent on October 6, 2023, to service on our behalf. Since that time, Emergent has attempted to contact you via email and phone on multiple occasions, though those attempts were unfortunately unsuccessful.
  Regarding the recent charge, we have stopped all automatic payments going forward. However, this does not revoke or delete the payment method on file. Since we did not receive a request from you to remove the payment method itself, it remained active on your account.
  As outlined in Section 11 of your Lease Agreement, FlexShopper reserves the right to collect any past-due payments using the payment method on file. A copy of your lease agreement is attached for your records.
  We understand your concerns and are here to assist you. If you have any further questions, would like to update your payment information, or need additional support, please dont hesitate to contact us at **************

  Customer Answer

  Date: 07/16/2025

   
  Complaint: 23526325
  
  I am rejecting this response because:
    It fails to address the actual concerns I raised.
  
  
  First, I did not receive any calls or emails from Emergent regarding my account. If you claim contact attempts were made, please provide specific dates, times, and contact information used, because I have no records of these communications.
  
  
  Secondly, FlexShoppers reliance on Section ***************************************************************************************** first especially after months of no contact and when the account was already transferred to Emergent. With no active communication, charging my account without prior notice is an unethical business practice, regardless of what is stated in the agreement.
  
  
  Additionally, your admission that you did not receive a request to remove my payment method is misleading. In my initial complaint, I explicitly requested both the removal of my bank information and the closure of my account. If no communication was made prior to that, how else was I supposed to request it? This logic is circular and inappropriate.
  
  
  At this point, I am formally requesting:
  
  
  Written confirmation that my payment method is fully deleted from your system.
  Proof of all attempted communications, including time-stamped call logs and copies of emails sent.
  
  
  
  
  Thank you.
  
  
  

  
  Sincerely,
  
  ******* ******

  

  Business Response

  Date: 07/23/2025

  Thank you for bringing your concerns to our attention. We regret any inconvenience you have experienced and apologize for any prior miscommunication.
  Please be advised that your bank account information has been permanently removed from your FlexShopper account. No further automatic payments will be initiated, and your payment method is no longer on file.
  Additionally, we have sent proof of the correspondence attempts made by our company to the email addresses we have on file. These records reflect our efforts to communicate important information regarding your account.
  We encourage you to contact us directly at ************ so we may review your account in detail and ensure all concerns are addressed appropriately. Speaking with a representative will allow us to provide clarity and resolution in accordance with the terms of your lease agreement.
  We appreciate your attention to this matter and the opportunity to assist you further.

  Customer Answer

  Date: 07/30/2025

   
  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:06/27/2025

  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.

  Flex shopper i paid off two years ago and now this morning i wake up to check my account only to find they took money out of my account without permission. putting my account in the hole, which i also have to pay. I do have bank account proof but i cannot screen shot it as it will not let me.

  

  Business Response

  Date: 07/10/2025

  Thank you for reaching out and sharing your concerns. We sincerely apologize for the frustration and inconvenience youve experienced, especially regarding the recent automatic payment and the challenges in reaching our customer service team.
  Please know that we have stopped all automatic payments on your account moving forward. However, we would like to clarify that this action does not revoke or delete the payment method we have on file. Since we did not receive a specific request from you to remove the payment method itself, it remained active on your account.
  As outlined in Section 11 of your Lease Agreement, FlexShopper reserves the right to collect any past-due payments using the payment method on file. For your convenience, a copy of your lease agreement is attached for your records and reference.
  We understand how unexpected charges can be upsetting, especially after a period of no communication, and we regret that your experience with our support team did not meet expectations. Your feedback has been noted and will be used to help improve our service.
  If you have any further questions or would like to update or remove your payment method, please dont hesitate to reach out. Were here to help.

  Customer Answer

  Date: 07/23/2025

   
  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,
  
  ******** ******