Flexiti Anmeldelser 125

They sneakily shoved some insurance garbage into my account without my consent! I logged in, and BAM! Global Insurance is threatening to snatch $45 from me every month! What a bunch of scammers! This is beyond infuriating!

This guys brutally steal hard earned money , unfortunately nobody cares and they remain in business to harass honest people
I paid extra money on account ,and that was reason I ve been charged interest ::))

I had a terrible experience with Flexiti for the first time. I purchased a laptop from staples with promotional plan 13 months no interest, no payment which seemed reasonable. However, after the grace period, I made payment in full, 10 days later I was shocked to find out that I have interest charge for $456.00 which was 50 % interest rate was calculated since day one of the purchase date because Flexiti email me that I have balance owing, so I make a call to Flexiti and Spoke to customer service, I have to call 3 times, they hung on me the second time, the customer service rep asked to email them proof of payment which was ridiculous because they can actually see the payment on my account, anyway I finally able to speak to customer service and he told me I made late payment, I said NO I did not, I made the payment on Jan 29 because when I log into my account, it said there clearly the due date is Jan 31 even the statement said due date Jan 31, so after an argument with him he agreed to waive $325.00 I still have to pay $131.00, Fine I will pay it there is no point keep trying to argue with this kind of scammer, that is how they get your money. He told me my Promotional Plan expire on Jan 27 which fall on the weekend so I made payment on Jan 29 which was the next business which I think It is consider on time even CRA recognized that rule when payment received on the next business day that will be consider on time. My trouble is why they have to put statement due date on Jan 31 not Jan 27 then it will not give misleading information. I am fine paying the interest if that is my fault, but in this case I go by the statement due date, I strongly advise against using Flexsiti for payments. Anyway I am done with this loan shark company. I am going to close my account in a couple of days after they receive my payment, I will not be doing any business with them going forward, If I could rate them lower than one star, I would give them negative 1000. I question how they remain in business when their practices are so questionable. Customer service lack of skills and they will co-operate and understand your situation while the error is not at my end.

Terrible! Pire compagnie qu'une carte de crédit. Les frais sont vraiment élevés et ils décidés à leur convenance. On frôle les frais cachés. Ne prenez pas de carte avec eux. Vous manquez un paiement il vous charge le triple. Évidement c'est écrit en tellement petit caractère... avant le concept paiement en 3 ans sans intérêt, les intérêts se cumulait après le temps. Eux, l'intérêt se cumulé dès la minute du retard et elle gonfle de 50%. Pire qu'une carte de crédit. Je déconseille à tout le monde.

C’est de la m…. Des porcentajes d’intérêt trop élevés. Et même si on a une situation financière favorable il vont te refuser sans explications. Svp ne faites pas avec cette compagnie. C’est mieux Afterpay

I had a terrible experience with Flexiti for the first time. My wife purchased a ring from a jewelry store with a few months of interest-free payments, which seemed reasonable. However, after the grace period, I was shocked to find out that the interest was calculated monthly rather than annually. With a balance of $1450, the interest amounted to $889, and when I contacted customer service, they informed me that it could jump by another $600-$700 the following month. This kind of interest rate, nearly 50% monthly, is outrageous and unheard of. I strongly advise against using FlexSHITI for payments if you're faced with such exorbitant interest rates. It's a classic case of "too good to be true." I was skeptical from the beginning, especially with their enticing offers and lack of communication. If I could rate them lower than one star, I would. I question how they remain in business when their practices are so questionable. Customer service ratings don't reflect the financial burden customers face, which is why I don't solely rely on them.

OVERPAID BY two months

1. Call - they can't fix it on the phone

2. They send an email with a link
** then they ask for my banking information: account and password!!!!
which they would already have.

3. You can't get a refund for a month
NEVER NEVER NEVER AGAIN

I seriously doubt I will get my money back
Class action lawsuit anyone?

Do NOT engage in ANY business dealings with this corporation! They may start off treating you with seeming respect BUT they are manipulators WHO DO NOT respect basic business practices much less the law. We started with this firm in May 2022. Being on a limited pension budget and needing a new mattress, we were lured into using them because of the ease of getting their 'financing' through the furniture company. As we engaged in a formalized wedding, we used them for more items in the early spring of 2023. Easy peasy. We are NOT stupid. Their 'contract signing fees' make their financing ludicrous compared to bank financing. Convenient. "Interest free!" financing, so they shouted on more documents... And then... We are on meagre pensions. We get paid once per month at the end of each month. WE specifically asked about due dates with each purchase and understood that these would be the 27th of each month. This was so. Indeed, one month this summer the due date was the 28th... Then, suddenly, in October 2023, their due date arbitrarily became the 23rd. And again in November. We called, asked why. They claimed it was their 'billing cycle'. We asked them to ensure that it was the 27th of each month as provided by EVERY other business we deal with. They refused. In December, their 'due date' changed to December 22. Today, because we refuse to play their games, we received a threatening call from one of their 'agents'. I listened to this gal tell us that, because December 23 was a Saturday, they arbitrarily advanced this 'due date' to December 22. CANADIAN LAW FORBIDS THIS. IF a due date falls on a weekend OR holiday, the business is to change it to the first day AFTER that holiday happens. WHICH MEANS that, even IF this company had ANY LEGAL right to change these due dates, they should have had a December due date of December 26, 2023. IT IS CLEAR that they DO NOT care one whit about contractual rights of ANY CLIENT. STAY AWAY from these vultures!!! Don MacAlpine, Regina, Saskatchewan CANADA

Have never used this company willingly. Someone stole my information and opened an account in my name in June. Flexiti did not do any sort of security check so the purchaser was able to place a $3000 charge under my name. A few months later I got a bill in the mail saying that I was behind on my payments. I called and let Flexiti know that it was fraud. They assured me that it was dealt with on their end and the case was closed. 4 months later they sent the case to collections and dinged my credit score by 70+ points. So far I have spent over 3 hours on the phone with the collections agency, the RCMP and Equifax trying to get this straightend out. This never should have happened. This company is incompetent. I would give zero stars if possible.

I can’t log in to see my balance. I clicked the “forgot user ID” so they sent me an email with the user ID. I go to login again, enter that user ID and get the error “wrong user ID”. Like this is the simplest stuff to fix and they still haven’t gotten that figured out.

Very bad service unfortunately…!.
deductions, adding interest, adding insurance, inadequate payments, etc… terrible card and when you called them you got suffered to have clear answers even to get your rights… I paid and lost a lot of money to cancel this unrely card..

Bought a stereo receiver from Visions thinking my original was not working. I found out it was working, so I cancelled the purchase before it was delivered or installed. Visions withdrew the charge on the Flexiti card but i am getting charged for $167.00 annual membership fee. I spoke with Flexiti to cancel the card completely. They said this would be noted but i had to get Visions to start the process to cancel! Why? its not a product from Visions. I cannot reach Visions now. They hang up when i ask for someone who handles the Flexiti card. I guess i have to get a news channel involved now. Meanwhile, Flexiti is billing me $25.66 per month for something i will never use.

Title: Beware of Flexiti: An Unreliable Financial Institution

Review:

I recently had a highly disappointing experience with Flexiti, a financial institution that claims to provide easy and convenient services. Unfortunately, my encounter with them has left me with a strong belief that the Canadian government should take notice of their questionable practices and protect consumers from being cheated.

First and foremost, the reliability of Flexiti is severely lacking. During my interaction with them, I encountered numerous issues that made me question the integrity of their operations. One of the most frustrating aspects was their inconsistent customer service. Whenever I tried to reach out for assistance with my concerns, I was met with long wait times, unhelpful representatives, and a general lack of accountability. It became abundantly clear that Flexiti does not prioritize customer satisfaction or prompt issue resolution.

Moreover, Flexiti's lending practices appear to be designed to take advantage of vulnerable individuals. They employ tactics that seem to intentionally mislead and deceive unsuspecting customers. For instance, their advertising often promises low-interest rates and flexible repayment plans. However, when it came time to finalize my loan agreement, I discovered hidden fees and exorbitant interest rates that were never disclosed upfront. It felt like a bait-and-switch scenario, leaving me feeling cheated and taken advantage of.

In my opinion, the Canadian government should be made aware of these unscrupulous practices. Financial institutions like Flexiti should be held accountable for their actions and prevented from preying on vulnerable individuals who are seeking financial assistance. Stricter regulations and oversight are necessary to protect consumers from falling victim to these unfair and deceptive practices.

In conclusion, I cannot stress enough how unreliable and untrustworthy I found Flexiti to be. My personal experience with them was nothing short of a nightmare, and it is my sincere hope that others can be spared from such an ordeal. It is crucial for the government of Canada to address these concerns and take appropriate action against financial institutions that engage in deceptive practices.

I bought a necklace for my son from Peoples last year March 2022 using my Flexiti. I don’t know how to use the online to check my statement so I called customer service this year on March 16th, 2023, to ask when is my due date for payment, because I don’t want to pay for late charges. The representative told me my due date is March 23, 2023, and I repeated it back to her and said yes. I even wrote the due date on my note. Therefore, I paid off my balance on the day of my due date.

After a few months, I got a statement, saying I have a balance of $700+ for the late fee. Little did I know that the representative gave me the wrong due date, it was supposed to be March 20th, 2023. Therefore, I called again customer service and let them know that their representative gave me the wrong information. Now they telling me that I never called on March 16th, 2023 according to their record, but I do have a proof/screenshot that I called them on that day.

The manager named Crystal, said that they will trace the recorded conversation on March 16th, 2023. It’s almost 2 months but she never call me back to update what was going on. That’s why I keep calling them and they never traced my recorded conversation with their representative.

I asked to waive off my balance since it was their representative’s fault for giving me the wrong due date and they never tracked my conversation with her. In the end, they only gave me 50% off and I paid it (paid $ 376.36 on June 19th, 2023) even though it was not my fault just to get it over. I was so pretty disappointed. I’ve been using a lot of credit cards and paid them off on time.

Update July 5, 2023: Now they charged me again $ 15.74 for the interest because they’re saying that I didn’t give them a call on June 19, 2023, that I paid. FIRST OF ALL, THEY DIDN’T GIVE ME CLEAR INSTRUCTIONS THE LAST TIME I CALLED THEM (JUNE 19, 2023) THAT DUE TO MY CASE I NEED TO CALL AGAIN TO LET THEM KNOW THAT I ALREADY PAID. Besides that, I mentioned that I’m going to make a payment on that day, so they should do their job to check it and waive off the other 50% off so I won’t get charged for the interest.

I feel like I’m doing their job to fix my own case. What an irresponsible credit card staff and management company! They never call me back to give updates, never traced the recorded conversation with the representative and didn’t give me clear instructions. It took 2 months to resolve this case. This was the worst experience I encountered.

Total scam buyers beware.

I bought something from sleep-country, and they lied to me and told me I can setup interest free payments, and pay the same amount over 12 months, I asked them more than 5 times if I would pay interest at any point, they told me: No.

6 months later, I get a bunch of added interest on my account .. that I have "automatic payments" setup on, turns out, they just raised the fee somewhere hidden inside of a statement, and my automatic payments have been coming short, and accumulating interest.

I only noticed the accumulation of interest when I decided to go through a detailed statement ... and to make matters MUCH MUCH worse they are now giving me the proverbial middle finger, and sticking my calls in a loop, where it keeps redirecting me to enter my information, and can't get a rep on the line for almost an hour.

Most horrible. They scam you. I missed a couple of payments and they started charging horrible amount of interest. Bricks of course never told me that. They were just saying it is all interest free. Horrible

Absolute garbage of a company. I’m not sure why their Google reviews are good. Horrible customer service as well. If you’re thinking about using this company just save yourself the headache and don’t!

Trustpilot reviews are TRUE and honest. Don’t go with google reviews those I guess are not giving right views of Flexiti Credit Card (financial), those might be for some different products. Because I had horrified experience with Flexiti credit card which allow equal monthly payments on purchases (e.g. Bricks, Staples etc). This is nothing but the SCAM to TRAP customers through these companies.
I guess, Flexiti INNOVATED a new way to CHEAT customers. Multiple times they charged interest and deferral fees on my account for promotion ending in middle of the statement period without any Intimation and just by saying its customers responsibility. I don't check my account statement transactions in details, just pay my monthly statement dues well in time and diligently. But I was lucky, just going thru last statement and identified these charges and fees charged at different times. It's not FAIR, Flexiti track everything by SOFTWARE and wont even feel to inform customer about it. They intentionally don't generate separate statement for each promotion (that they track for end date) but just send a monthly statement to fool customer. Monthly statement just provides a amount due on that date only and mentions about all promotions on last page. I found Flexiti customer agent and supervisor was adamant, RUDE and were happy to close my account after receiving deferred charges. I paid their UNFAIR deferred fees and closed my Flexiti account. I learnt my lesson and I will never use Flexiti or it’s products in future and would suggest you to avoid it!

This company doesn’t worth even 1 star. The worst financial company I have ever seen. They have no customer service. Their representatives do not know about the process of payment and in the end, they will charge your account with high-interest rate. They charged my account $823.35 for a purchase of $2626.02 even after paying off the whole purchase before the due date. I tried to contact the manager for more than 4 months, but nobody cares about my calls. I would close the Flexiti account, and I will ask all my friends and families to cancel their accounts with Flexiti. It is not fair to pay $823.35 interest on a purchase of $2626.02 of a wedding ring. I used Flexiti because of financial difficulties but they made my problem worse. I don't need to do business with a financial institution that does not have trained representatives and responsible managers. Do not give your money to this company that treats their customers awfully.

Be careful when dealing with Flexiti , you can get hit with a lot of hidden charges , I missed to pay the first installment on $650 amount and the next thing they started charging me with monthly 103$ interest and 150$ credit insurance on a payment of 650$ , that is not logical and not realistic , I only noticed that after 3 months because I don't usually check online statement on those credits cards , of course they never sent an email or call to warn me about the extra charges , i believe they are scammers and they take advantage of the situation , I ended up paying double the borrowed amount of 650$ Just because I defaulted the first installment . I will be closing my account with flexiti as I have no trust in their services.