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:09/11/2025

  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.

  On 9/4 I sent Flex my 1st payment for September's rent in the amount of ********. Received notification that the rent was paid. Later that day, I found out it wasn't and eventually informed that my payment went to another management company. This morning I received a partial refund in the amount of $550.36 and no answers as to when the remaining $584.18 will be refunded. I have now been charged late fees, and no one from Flex's corporate office has reached out to me or my management office. I am now requesting that Flex pays the entire amount of $1841.01 rent due for the month of September. I've been using Flex for over a year and a half and never encountered this issue before. Flex's initial response was that the management company is not an integrated property. The issue I have with that is, this property hasn't been an integrated property for over a year, and payment was always delivered to management company without any issue. After each time management companies changed, I would update my Flex account. *** has been the management company for ************************ since December and rent payments from my Flex account has been submitted and delivered to *** with no issues. The only communication I have is through their virtual support team who initially were very responsive, but now communication from them is only received after I send an email asking for an update. The last communication was yesterday and I was informed that my issue was bought to another team and a response still has not been received. A rent ledger was provided and the issue still hasn't been resolved.

  Business Response

  Date: 09/19/2025

  To Whom it May Concern,
  
  Your complaint filed with the Better Business Bureau was referred to the ************************ at **********************.
  
  We recently had the opportunity to speak with you regarding your inquiry. During that conversation, our ************* Manager informed you that your initial Flex payment was refunded on 9/15. In addition, we refunded the late fee incurred this month and provided you with additional funds to cover the remaining balance of your rent payment.
  
  If you have any further questions regarding your account, please respond directly to the last email from our agent for assistance.
  
  Thank you for your business and for allowing us to be of service. Your concerns are important to us.
  
  Best,
  Flex Team
  

  Customer Answer

  Date: 09/19/2025

  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 and the matter has been resolved.
  
  Sincerely,
  
  ********* *******
  
  
  
   
  
  

• Initial Complaint

  Date:09/08/2025

  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.

  9/5/2025 $1123.00 was withdrawn from my debit card from Flex for my rent. I got a notice that my rent was not paid and I have to pay it and late fees. I went into the app saw the amount in the flex account and tried to withdraw it but it wouldnt let me. My money is just sitting there and I have talked to a chat AI and did many emails. No resolution. There is no human to talk to about YOUR MONEY. Its just sitting there. I want a refund and a cancellation of membership **** please.

  Business Response

  Date: 09/10/2025

  Better Business Bureau,
  
  ****** ******s complaint filed with the Better Business Bureau has been addressed by Flex. 
  
  In response to ****** ******s initial complaint, Flex followed up with ****** to inform them that Flex returned the funds to their account as requested and will be seeing the funds shortly. We received no further questions or concerns.
  
  If ****** ****** does not see the provided update, they must reach out to their bank. Since Flex has taken all of the commercially reasonable steps to address the complainants concern, we request that the Better Business Bureau close this complaint.
  
  Best, 
  Flex Team
  

• Initial Complaint

  Date:09/08/2025

  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 have been using flex for nearly a year. This month, when it came time to pay rent, we had a family emergency but still did everything we could to use Flex. As we got the money, we uploaded it into the app under funds. The total amount the app showed was due was $883.86. This was incorrect, however the correct amount of over $1000 did not update in the app until 1:30pm CT on 9/5/25. There service does state that after 3pm ET, then it cannot be used, however when I attempted to submit payment and it got denied, the menu screen changed and showed a new due date for 9/7/25. We doordash to get the remaining amount, go to hit submit at 12am 9/6/2025... The app tells us we cannot use it this month. Later on 9/6/2025, I attempt to withdraw my funds--because that how the app has it listed, as a withdrawal, NOT a refund--However, attempts are blocked stating that I have to wait 24 hours because I updated my card per their request. Yesterday morning, 9/7/2025, I am able to do the withdrawal, and confirm the funds were my account. Yesterday afternoon, I go to submit payment to my landlord, only to find that the $884.86, is not in my account anymore but states that it's "pending refund from Flex." I attempt to contact them as they boast about 24/7 customer service. They do not have a phone number, their app chat is AI only, and I have been attempting to contact them via email for the past 18 hours, and have only received automated responses telling me that I'm being "transferred" despite not being contacted again. I will be facing eviction if this company does not give me the funds for the rent that they were supposed to help with, and I would have been able to use their service on time if they had updated with the correct payment amount. But now, I can't get a response, and I am taking every measure possible to get my money back today.

  Business Response

  Date: 09/10/2025

  Better Business Bureau,
  
  ***** ********* complaint filed with the Better Business Bureau has been addressed by Flex. 
  
  In response to ***** ********* initial complaint, Flex followed up with ***** to confirm that the funds of $884.88 were withdrawn on the app on September 7th and will appear shortly, depending on the banks processing speed. Flex provided ***** with the funds Acquirer Reference Number (ARN) to track the payments with their bank. We received no additional questions or concerns. 
  
  If ***** ******** does not see the provided update, they must reach out to their bank. Since Flex has taken all of the commercially reasonable steps to address the complainants concern, we request that the Better Business Bureau close this complaint.
  
  Best, 
  Flex Team
  

• Initial Complaint

  Date:09/07/2025

  Type:Service or Repair 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 have been using Flex for a year and a half with no issues. September was a different month for me as I received a $400 penalty from my complex. This was added to my monthly total to which I was alerted on the app. Because I have a longer deadline to pay back the penalty to my complex, rather than confirming the rent amount, I changed it in the app to $1,553 which is what I would normally pay. I made my usual payment of $962.53 and thought all was well. Flex refunded $753 back to my card and set up a rent amount of $400 instead of the $1,553 that I confirmed myself in the app. I immediately reached out to my complex and Flex and asked what happened. My complex let me bring in a cashiers check for $753 because this wasnt my fault. I paid the refunded amount back to my complex to not have late fees charged to me. Flex finally saw the error and instead of reaching out to me as I requested via email, they paid $1,153 in addition to the $400 and requested that I pay that money back. I sent ****** and ******* a picture of the cashiers check stating that I have already made the payment. They are now asking for the property manager to be added to the email for further proof!! Although I was frustrated by this I did it anyway. Flex made a mistake and I am asking not to be penalized because of it. I cannot pay $753 TWICE because you made a mistake. I am asking for this to be made right! This company does not have telephones, and it takes 1-2 days for anyone to respond to a simple email. This is my home! I dont deserve for this to drug on in this way and for this long! I understand a mistake was made, but as quickly as it was made, is as quickly as it should be made right. The level of customer service and the turnaround time for a response is deplorable.

  Business Response

  Date: 09/15/2025

  To Whom it May Concern,
  
  Your complaint filed with the Better Business Bureau was referred to the ************************ at **********************.
  
  We recently had the opportunity to speak with you regarding your inquiry. During that conversation, one of our ************* Managers confirmed that your property management credited your rental account for the duplicate rent payment submitted this month. Additionally, you can reschedule the repayment in the Flex app to align with your pay schedule. As a courtesy for the inconvenience encountered, your monthly membership fee has been waived for September and October.
  
  If you have any further questions regarding your account, please respond directly to the last email from our agent for assistance.
  
  Thank you for your business and for allowing us to be of service. Your concerns are important to us.
  
  Best,
  Flex Team
  

• Initial Complaint

  Date:09/06/2025

  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 gave Flex my rent money and they scammed me out of it, I am a disabled senior and the ****** that I was scammed for came out of my social security check, Please help me

  Business Response

  Date: 09/11/2025

  To Whom it May Concern,
  
  Your complaint filed with the Better Business Bureau was referred to the ************************ at **********************.
  
  We recently had the opportunity to speak with you regarding your inquiry. During that conversation, one of our ************* Managers explained that your Flex Funds of $822.00 was refunded to your card ending in **** on 9/6 because you failed to initiate your first payment in the app before our cutoff time, 3PM EST on 9/5. As a one-time exception, we attempted to pay for your rent past our cutoff time, on 9/8, however, your card was declined due to insufficient funds.
  
  As a result, we credited your Flex Funds with $78.70 to cover the late fees incurred this month due to the confusion encountered. We see you withdrew that amount on 9/8 to your card. 
  
  We also received confirmation from you on 9/10 that you have paid for your September rent in full on 9/8. 
  
  If you have any further questions regarding your account, please respond directly to the last email from our agent for assistance.
  
  Thank you for your business and for allowing us to be of service. Your concerns are important to us.
  
  Best,
  Flex Team
  

• Initial Complaint

  Date:09/06/2025

  Type:Service or Repair 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 am now late on my rent and will need to pay the full amount in the next 48hrs as per my property management due to negligence from Flex pay. I spent 12 hours emailing with Flex customer service making sure they can process my first payment of month before their ridiculous cutoff time of 3pm. I send multiple screenshot showing their app was having technical difficulties and wasn't allowing me to make payment. I even ***eated several times to use card on file and let's get the wheels going. All that *** did was continue lying that she was waiting for technical issue to be resolved and to not worry. Well after most of the day waiting for process to be completed another agent ******* pretty much wrote that I missed cutoff time and I was screwed. I sent him proof what other agent promised and all the screenshot of emails. He stated that they are rigid about their cutoff time and even though it was a fault of their system he can't do anything for me. Here I pay monthly fees, processing fees and additional fees to be robbed of their end of the agreement. So I'm freaking out how to pay full amount to property and all late fees. Flexpay are liars, scammers and hide behind a computer screen.

  Business Response

  Date: 09/15/2025

  To Whom it May Concern,
  
  Your complaint filed with the Better Business Bureau was referred to the ************************ at **********************.
  
  We recently had the opportunity to speak with you regarding your inquiry. During that conversation, one of our ************* Managers confirmed that ********************** returned your initial September payment, and your account has been canceled as requested.
  
  We have reached out to you on three separate occasions, requesting your rent ledger in order to address the late fee incurred; however, we have not received a response. We hope the emails sent by our ************* Manager have addressed all of your questions and concerns.
  
  If you have any further questions regarding your account, please respond directly to the last email from our agent for assistance.
  
  Thank you for your business and for allowing us to be of service. Your concerns are important to us.
  
  Best,
  Flex Team
  

• Initial Complaint

  Date:09/05/2025

  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 created a flex debit card on august 29th in the amount of 1200. I was charged for 600. I went to pay my rent with the flex debit card, and it was denied stating that there was only $196 on the card when there should have been 1200. I reached out to support on August 29th and they stated that they were "fixing" the issue. I get a notification stating that $1084 was paid to my property. I never submitted a payment in the amount of 1084 my card was made for 1200 I attempted a payment in the amount of 1184. Not sure where$1084 came from. I believe there is some glitch in their system that never loaded my card properly It has been 7 days. Flex claims they have paid my property. they did not as reflect in my rental ledger I would like my rent paid or my money back .....or some real assistance aside from an AI bot

  Business Response

  Date: 09/11/2025

  To Whom it May Concern,
  
  Your complaint filed with the Better Business Bureau was referred to the ************************ at **********************.
  
  We recently had the opportunity to speak with you regarding your inquiry. During that conversation, one of our ************* Managers confirmed that your Flex ledger has been updated, the appropriate refunds have been issued back to your card, and the remaining rent balance for September has been covered by Flex.
  
  If you have any further questions regarding your account, please respond directly to the last email from our agent for assistance.
  
  Thank you for your business and for allowing us to be of service. Your concerns are important to us.
  
  Best,
  Flex Team
  

• Initial Complaint

  Date:09/05/2025

  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 rented an apartment in ********, **, and was informed by the apartment management that they were using a payment system called Flex (*****************************) for rent payments. I made payments through this system, and the company charged me multiple amounts:$14.99 $621.00 $2,515.50 $3,686.20 $1,646.05 Out of these charges, I only received a refund for the $2,515.50 payment. The remaining amounts have not been reimbursed.I have already paid these amount to the apartment management, who informed me that they no longer use the Flex system. However, I am now stuck because there is no effective way to contact this company directly.The only phone number available *************) states that they do not accept calls.Attempts to reach them via chat and request a live agent have been unsuccessful, as my requests are blocked or ********** a result, I am unable to recover the funds that were improperly charged to my account.I am requesting the BBBs assistance in obtaining reimbursement for the outstanding amounts, totaling the payments listed above (minus the one refund already received). I expect these funds to be returned as soon as possible, as I have fulfilled my obligations with the apartment and these charges were collected in error.

  Business Response

  Date: 09/11/2025

  To Whom it May Concern,
  
  Your complaint filed with the Better Business Bureau was referred to the ************************ at **********************.
  
  Recently, one of our ************* Managers sent you a resolution with regard to the concern on your Flex account. We spoke with your property manager, ******* ******, who confirmed that you received two weeks of free rent for August. As a result, your rent due was reduced to $1,646.05, which matches the amount Flex paid on your behalf in August.
  
  You were initially charged $3,561.55 on 8/2/25, plus a 3.5% fee totaling $124.65. Since Flex confirmed that your rent bill for the month was $1,646.05, we refunded $2,515.50 back to you on the same day, 8/2/25. As a result, your first payment toward Augusts rent bill to Flex was $1,046.05.
  
  We also refunded you an additional $88.04 from the 3.5% fee you were originally charged, because your first payment decreased from $3,561.55 to $1,046.05. You should see the funds in your account within the next 3 business days, if they are not already there. Additionally, as a courtesy for the confusion, we refunded your August membership fee of $14.99 on 9/5/25.
  
  Since your first payment to Flex for August's rent was $1,046.05, you were charged the remaining $600.00 owed for your rent bill, plus a 3.5% fee of $21.00, for your second payment on 8/8/25. 
  
  We attempted to contact you on three separate occasions (9/8/2025, 9/9/2025, and 9/10/2025); however, we have not heard back from you. We hope the emails our ************* Manager sent answered all your questions and concerns.
  
  If you have any further questions regarding your account, please respond directly to the last email from our agent for assistance.
  
  Thank you for your business and for allowing us to be of service. Your concerns are important to us.
  
  Best,
  Flex Team
  

• Initial Complaint

  Date:09/04/2025

  Type:Order 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.

  Indeed flex is very scammy. They post one job on ********** and once you have entered all of your personal private information into the indeed flex app, all the job details change. Then there is no way of removing your information. And no support, no help, the AI assistant will keep sending the same message over and over. If you are not desperate do not put yourself in this situation. Also it displayed 8 available jobs that once you provide the necessary information jobs fell to 2. Mind you, these were the same sort of jobs beware.

  Business Response

  Date: 09/05/2025

  To Whom it May Concern,
  
  Your complaint filed with the Better Business Bureau was referred to the ************************ at **********************. 
  
  Flexible Finance, Inc. (Flex) is a monthly subscription service that enables customers to split rent into two payments. Customers pay part of their rent upfront and the rest later in the month. Flex helps pay their full rent directly to the property on-time.
  
  According to the complaint filed, you were referring to a different company (Indeed Flex).  Please ensure that your inquiry is sent to the correct company with the Better Business Bureau.
  
  If you have any further questions, please contact us at ***************************************************************.
  
  Thank you for your business and for allowing us to be of service. Your concerns are important to us.
  
  Best,
  Flex Team
  

• Initial Complaint

  Date:09/04/2025

  Type:Service or Repair 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.

  Flex emails me repeatedly saying I have missed a payment when I have not used their service FOR OVER FIVE YEARS. They have no way to be contacted, I have tried countless times to email them and it goes nowhere.

  Business Response

  Date: 09/09/2025

  To Whom it May Concern,
  
  Your complaint filed with the Better Business Bureau was referred to the ************************ at **********************. Recently, one of our ************* Managers reached out to you and explained that your account was active, which is why you were receiving emails about missed membership payments. We see that you canceled your account on 9/5/2025. You should no longer receive emails regarding a missed payment.  
  
  If you have any further questions regarding your account, please respond directly to the last email from our agent for assistance.
  
  Thank you for your business and for allowing us to be of service. Your concerns are important to us.
  
  Best,
  Flex Team