Flex
Reviews and Complaints

I would rate this service a zero due to their poor customer service. They don't have a phone number to contact them, and it takes them forever to respond to emails. They claimed that I have a due balance on my account, which is not true. I provided them with all the necessary documents to prove that, and they have access to my rent portal where they can verify it. They failed to withdraw the rent from my account, and as a result, I had to pay the full rent with a 20% penalty fee. After that, they suspended my account. I have been trying to prove that I don't have any due balance and that Flex didn't pay my last rent for no valid reason, although they took the monthly fees for the service they did not provide. I tried to get help from them, but they only send auto-responses to all the emails

With rent being 888 (or $890), Flex splits it up. Which is nice (when it actually worked ) as I would pay 444 first of the month and then 444 on the 15th. Well this time they double charged my account on the first with no heads up at all. So they pulled 444 and then 444 again, which completely counter to what they are designed for. And even if you’re sitting there thinking “well at least you’re paid up for the month” .. unfortunately even THAT isn’t the case. The app is telling me i’m paid up for the first half and still have to pay the second “half” (which is probably going to be another $888 knowing them) on the 15th. This is completely unacceptable and wrecks the rhythm and flow of hardworking people who do not have time for this nonsense. Worst of all, no one has responded to my “messages” on the app which are a complete joke and there is no phone number or anything where you can get sensible help. Awful. This is the last thing someone needs who works hard all their life and all they need is to not be completely scammed and treated unjustly. How can they let an error happen like this ? It’s not just like I go up to a gas station and get double charged for a $1.50 pack of gum. This is $444 dollars just taken TWICE from my account. And no one to reach out to and ask for help, how is this company still allowed to function? At this rate they will take rent 4 times from my account every month and there is no way to stop it. It’s maddening. Shame on them for not having a clear support number or venue and for being low.

I heard about Flex from my apartment complex back in the spring and decided to try it out and it worked perfectly fine in July…I got some emails throughout July that there were some changes and some accounts would be affected (like the due date changing from the 5th to the 3rd)…nothing on my end changed. They claimed that they “couldn’t detect sufficient funds” in my payment account by the deadline on the 3rd and wouldn’t be covering my rent for August…the funds were there and I responded to them that I had the funds sitting in my account, but they still just said “Flex couldn’t detect sufficient funds” and to email them between the 15th and 31st of August to reactivate my Flex account for September. So, I email them after both receiving an email and a text from Flex to email them to get my account reactivated…I did and they tell me that “because there were not sufficient funds at the beginning of August, my account wasn’t going to be reactivated moving forward”…so, if that was the case, why was I told three different times to email Flex to reactivate my account…if the reason they gave me for not reactivating my account was so, then I should’ve been told about that at the beginning of August. I again told them I had the funds at the beginning of August and they again did NOT listen to me, & didn’t help me…the reason I’m so mad is because I had sufficient funds by their stated deadline and for whatever reason their system couldn’t “detect” the funds, and they refuse to admit that there may have been a glitch on their end. I’ve been seeing a lot of others with similar issues. Flex was wrong for this and unless their computer system is perfect, which it’s not, they should have considered that and listened to me when I told them numerous times I had more than enough in my account.

After realizing the popularity of pay later apps for goods/services and then finding myself in a money crunch around rent time, I started googling companies that would help split rent payments. I had no idea that a company like this really existed but what a novel idea!

I’ve been using Flex for 5 months of rent payments now and I have no complaints! They withdraw the first half of your rent payment from my account automatically between the last day of the month and the 3rd. Whatever day they are able to complete the payment in that time frame is the day that they pay the rent in whole. The other second payment is automatically drafted some time in the middle of the month (the day varies). What I love is that there’s a calendar that you can look at with the dates that flex plans to withdraw money. While you can’t change that first payment, you can certainly change the second one with advance notice.

I was almost frustrated that Flex doesn’t have a phone number because when I first needed a payment date changed I feared that emailing them about this concern would be pointless. However, I’m proud to report that even without a phone they responded and have been responding to my emails promptly and accurately! You just have to make sure that after you submit your contact form that you confirm that you still need help by responding to the automatic email that’s sent after each contact request.

Now I know to look ahead at the Flex payment calendar in the app and at my rent total on my resident portal each month, and email Flex as soon as I need them to update either the payment date or the total of my rent that will need to be split for the upcoming month.

I love splitting my rent into two payments! It helps me budget better. I’m so happy that this was created and I highly recommend.

I’ve used them for almost a year, and outside of a couple instances they’ve been well enough to work with - however, this last month changed my perception of them. *Do not use them*

Like usual, they were to take out my first half rent on the first of the month. My account, no changes to it, had enough money by plenty. They kept sending me texts each day the first five days of the month that they were unable to take the funds and pay rent because of “insufficient funds”. They ended up taking my money out of my account — but did not pay my rent!

I tried using the phone number provided, but despite multiple attempts at calling, I never got a live person. I tried to reach them via email, prior to them taking the money out (between the 1st and 5th) to inquire about them saying there’s insufficient funds despite there being more than enough. They took almost a week to reply, we’ll after I opened the help ticket, and gave me a generic form answer and closed the help request.

Them taking the first half of rent, but not actually then paying my rent, caused my landlord and apartment complex to get involved, because I had to make separate payment arrangements with them to get my rent paid. Apparently my apartment complex has an easier time getting ahold of flex than I do, because Flex told them they didn’t take the money and there were insufficient funds. They either lied to my apartment complex, or are simply incompetent.

They work fine for the most part, but at any point you have issues with them, their support system is a joke, and there’s the chance they’ll rob you blind by taking your money without paying your rent. The situation has caused me to fall behind on things financially because I had to shell out essentially 1.5x rent because they took the first half without paying my rent.

I can’t recommend enough — *DO NOT USE FLEX

If I could give no stars I would. I received an email from my leasing office to utilize this feature. My thoughts at first were this seems like a good app for renters and would make paying rent more convenient. However that was the farthest from what I experienced. Setting up the account was a nightmare and support is basically useless. For example flex was not linking with my rental portal even thought the log info was correct. I reset my PW multiple times and still no luck linking. I reached out to support, there was response was to ask for a screenshot and then not reply until I followed up twice LOL. Not sure why they needed a screenshot for that but ok.. time is ticking down as my rent needs to be paid by the first. I follow up daily and nothing seems to be happening except for the rep picking up the ticket seemed irritated and let me know that they have already made contact with me and will let me know once they had resolved the issue. I used my wife”s phone which is the same phone I have and was able to set up the account and get the app linked. So I fixed the issue.. thanks flex support great job lol. Then I was told my rent would be covered by the 4th funds are in my account everything seems to be working . Flex doesn’t cover my rent even though my funds were available. So I have my leasing office calling me asking why my rent has not been paid - I reach out to flex, flex tells me that there was a connection issue with my bank and was unable to cover my rent. I had to update my bank pw which unlinked the bank but I re linked immediately, mind you this was on 5th of December not on the 4th so the payment should have been taken care of on the 4th as the rep had so confidently told me. Luckily I lease from a good company so I won’t get charged late fees for this mess. This app could have cost me hundreds of dollars in late fees and did not work. Would not recommend.

UPDATE: My account was finally cancelled.

I was really hopeful when I downloaded this app, but wound up closing my account because:

-They first told me that my rent couldn’t be paid because online payments weren’t allowed. I swiftly wrote in explaining that my landlords to accept ACH or e-checks, which is their required modes of payment. I was told my rent would be paid when my rent posted by a rep. A day after it was due, my rent payment was still processing (it had been for three days). I was told it was about my portal did not accept ACH. I was disappointed because they say that you will be notified of issues but they didn’t keep me in the loop. I had to ask about it. I felt reassured that there would be no issue in my previous correspondence (which I still have). I was also confused because I pay rent every month using e-checks, so I know this is not an issue (in fact, I just used and e-check to pay my rent this morning ). Thankfully I wasn’t in a desperate situation or this could have gone so badly.

If you are in dire straits, do not depend on this app. Reach out to community resources, some of which will help pay off rent balances and the latter if the rent is late. I would only use this app if I know I could pay my rent comfortably if it doesn’t work, which is the opposite of its use, I feel.

I will say that my concerns were answered within the same day, so this issue seems to have improved! Rent is such a delicate subject, and Flex customers should be supported through fast communications to alleviate housing stresses. Flex should have a contact number and devote resources to it so that people can get their issues handled swiftly. I asked to close my account and everything is still pending. I am afraid that money will be pulled out of my account because I cannot unlink my information— this is something to keep in mind when releasing your information to theses apps.

First of all there is NO customer service number! How can you use something without having an actual phone number to call when you need assistance? I was offered this service from my leasing company and figured it would really assist me with my rent payment and not feeling so rushed to make the complete payment by the due date. Perfect I sign up, the process is fairly simple and easy. I sign up the day before rent is due and a few hours later the payment is already pending in my bank account. I went back to check the app and there is an alert showing “SERVICE ISSUE” so I click on the alert and it states that my leasing agent is NOT taking these type of payments. Why offer this to your tenants when in reality it’s not going to work. I call my leasing office and they’re telling me that they’re not responsible as this a third party and they have no control over the issue. So there I am trying to fix the issue with EMAILING flex customer support, which is truly an inconvenience, why is there NO customer service number? SOUNDS LIKE A SCAM TO ME. I advised my leasing office that I will not be responsible for late fees etc if they can’t fix the issue with the option THEY offered, once again why offer a payment plan if it’s not going to work. I went back into the app and click on the service issue and there are now two options available for me 1. Cancel my payment and pay my rent completely on my own or 2. Try to submit my payment with flex manually. I CANCELED IT! There is no way that I am waiting until a day after my rent is due and pay more in late fees. I finally got a generic basic reply from flex customer service, is this how it will be? Going back and forth with BOTS?! No thank you. JUST PAY YOUR RENT ON TIME FOLKS. THIS APP IS A SCAM. Thank you so much for reaching out! Please know that I've received your request, and am working on it for you now. I'll circle back with an update shortly! Best, Willow Flex Team

NEW UPDATE - 3/27:

The paid March’s rent, I successfully completed both payments, and they cancelled my account for absolutely no reason.

They’ve been nothing but a pure headache from the start and they’re sketchy.

DO NOT USE THIS APP. The reliability is laughable honestly.

UPDATE:

They reached out to me last week to ask if I wanted to try with Flex again for March’s rent, I was reluctant, but thought I’d give it another try. Within the day, they set my account back up, linked my rent portal/bank account, and had me active for the 1st of the month. I woke up this morning on the 2nd and my rent has actually been paid!

Things started off super rough with poor communication from their support team, but they have improved and I can tell they’re working to get better overall. I would give it a try for sure, but MAKE SURE EVERYTHING IS IN ORDER before you sign up. Getting things fixed manually can be a pain, but if all is smooth from your end, they will pay it on time as I’ve seen today. Thanks Flex.

OLD REVIEW BELOW - NEW REVIEW UPDATED ABOVE

Customer service is absolutely INFURIATING. They take at least a day or two if not a week to respond and when they do respond with an answer, they don’t reply ever again after that if you need something done dealing with that answer. My app has been giving me a random error message for TWO WEEKS and I’ve gone through 3 customer service people who’ve left my emails hanging.

This wouldn’t be a huge deal if you weren’t dealing with people’s freaking livelihoods and HOMES. If you advertise to cover people’s rent, you need to come through on that and in a timely manner. Otherwise you’re just putting people in crappy positions with late fees who thinking you’re actually coming through.

It’s a decent concept for an app, but would absolutely NOT recommend this app until they can step up their dependability/follow thru game and customer service game. It’s literally like pulling teeth trying to get anyone to answer you.

I just moved into a new place and this is my first month using flex. Coincidentally it’s also my rental property’s first time offering flex. I have everything input correctly, but it keeps unlinking my property and saying it can’t find my lease. No matter how many times I relink it, it becomes unlinked again within an hour. No one at my rental office knows what to do, and “customer support” has no phone number to call. Contacting email support just results in an automatic response that says “wait times are extended due to high volume, but rest assured you’re in the queue.” That was YESTERDAY and I still haven’t heard anything. My rent was DUE yesterday. It won’t even let me cancel the service—there isn’t even a button for it. I can’t pay my rent outright because I’m afraid of getting double charged, and I can’t afford to be double charged. Flex, you NEED to get a call center for customer support. This is not the sort of situation you can wait several days for with a “sorry for the wait, we’ll get to you as soon as we can!” message. That won’t do me any good when my rental office asks me why my rent is late.

UPDATE: they responded to tell me to email them and I already HAVE. Three separate times! AND my leasing office emailed their contacts on my behalf too! I have gotten exactly ONE reply, THREE DAYS AFTER THE INITIAL EMAIL, asking for my contact information. My leasing office got a couple of emails that amounted to “but is the contact information correct?” And then had the nerve to tell them that the issue was resolved. NOTHING got resolved. It is still doing the same issue. If this isn’t resolved by tonight I’m going to pay my rent outright and cancel this service. If they double charge me for my rent after that point I will be contesting the charge with my bank and looking into legal action.

All in all, I tell you if you’re reading this review: RUN. If it sounds too good to be true it probably is. They advertise peace of mind, but this has been nothing but a nightmare.

UPDATE March 12: they covered March rent after much grappling and immediately asked me to change the review so I’m assuming that’s the only reason anything got done.

I told them I would change the review once next month (April) went smooth as well but someone went behind me to put the “looks like we resolved your issue comment” on here.

Rest assured, things are NOT all peachy with this app and I am NOT YET completely satisfied with my decision to use flex becuse NOT ONCE have I had a month where it wasn’t a HUGE HASSLE getting my rent paid.

Once there is a month of no hassle, I will GLADLY rate this app five stars.

The only issue is the trouble you have to go through to get the app to actually preform its purpose.

Furthermore, Delaney has been the one following up and being helpful. Seems like Jenny just forgot about us and went on about her business.

Also as you can see my husband and I keep getting confused and mixed emails because they addressed him in the comment when I clearly wrote the review.

Please flex pay attention to who you’re responding to, I am not Devon.

See you soon with another update!

UPDATE: (based on communications with service employees Jenny and Delaney) Initially I was Very happy with the way this app works, now in the second month I am once again having issues. My rent Portal Was disconnected and it took about a week to get it back connected.

Also the final due date for payments was changed without my knowledge from the 9th to the 5th and therefore it fell before my pay day and would require me to miss the payment.

There is a ton of miscommunication and it’s very hard to get the support employees to understand that they are dealing with people’s housing situations and that that is nothing to play with.

Communication and accessibility are extremely lacking.

I will keep updating as the months pass about my experience with Flex

Took a while to get set up but Jenny and the team worked hard to help me solve issues. Very appreciative of this service! Money and life saver!

Just be prepared to get the boot I would not depend on them. On Sep 3rd at 7:38PM I did a request to reactivate my account for the month of October and, I got the good old automated email saying “ Hi There,
Thank you for reaching out! We have received your inquiry (***)

Flex Support is available daily from 9am - 7pm EST.

We appreciate your patience and will do our best to respond as soon as possible. Please note, sending additional emails regarding the same concern will only delay our response to you as you will move back in the queue.”

Then I get an email from an employee named Dave saying

“ Hi Giovani,

Thanks for reaching out!

It seems your account was deactivated.

Unfortunately, Flex is currently not accepting reactivation requests at this time. If you would like to be re-activated for October, please send a request after the 15th!

We apologize for the inconvenience and hope to hear from you then!

Best,
Dave
Flex”

Same thing the next month on November and also note I had funds in my account to make the 1st initial payment. They tell you that you will receive contact via email on a date but instead you get this email that really triggers me “ Hi Giovani,

This is a reminder that Flex will attempt to authorize your initial payment and then pay your rent directly to your Property starting on the last day of this month. Refer to the Flex app for more details, Thank You!

Then you get a email the next day saying

“ Hi Giovani,

Yesterday, you received an email from Flex with the subject line: "Reminder: Upcoming Flex payment." Please disregard this email as it was sent in error. We apologize for any confusion this may have caused.

Thank you!

It’s just and endless loop with Flex. I already gave up they paused my account for no reason and I just grew tired of it. If you need the help, sure go for it but don’t depend on Flex they are not reliable and won’t cover you for some reason and I guarantee you after I post this review I will get the good old “We have been trying to contact you and you don’t have any contact information” So just be warned they will give you the BOOT!

Unfortunately, the negative reviews are accurate. This company frauded me.

I requested for my account to deleted, and two employees informed me that my account was deleted. 24 hours later, my rent was paid and my card was charged. I had already made arrangements with my complex..24 hours later. I did not need that money to come out. I told the company that the activity was simply fraudulent, I informed my bank, then I closed the account. I informed the company that I would mail them a check on the same date the 2nd payment was due. I verified the address and the arrangement with the payment operations manager, Jaime Hayes. Jaime Hayes stated that she would also move the 2nd payment date to the last day of the month to ensure each component processed correctly (card not charged and physical check processed by company). Jaime Hayes lied and further represents the fraudulent activity of this company. I received notifications from my bank that a transaction was attempted to be processed on the 2nd payment date. Imagine if I didn't close my bank account. I would have been in a terrible financial situation due to the original payment mishap.

Here is Jaime Hayes response:
"I understand, and I apologize. I did move your payment to the 31st as indicated. However when we were trying to address a separate issue, we inadvertently reverted anyone who had a manually rescheduled payment back to the previous schedule. We did not realize it until the payments started processing, and once they started processing we are not able to stop the payment. It was definitely not intentional, but I understand why you would think so."

What do you mean WE/YOU/YALL inadvertently screwed up a written agreement? (Reason number 1 a bank will give you your money back) Is your system that poor or are your ethical standards that low? It was absolutely intentional because the reason that I was provided further supports my claim of this company being fraudulent and employed by ignorant and foolish individuals.

You're better off arranging a payment plan with your complex and humbly make room for the associated fees. This has been a month long nightmare.

Update: months later. I get an email last night after not using the service in months due to the issues below. They have lowers my available credit to $500 because they have been unable to collect rent the last few months…. The same company that I cancelled this service with and blocked me from using the service because my rent was already paid. Always paid everything I owed them. Such a flawed system.
So after they responded below I reached out as they asked. No one replied, I just received another “how did we do survey.” My card info is still in their program not removed. Awful!

Update: They finally got back to me 21 days later… no real answers. But they suspended my account because they could not collect the rent money that I had already paid. Had they collected it, my rent would have been double paid this month. When you enter your payment info, it says nothing will be pulled from your account until money was due. Nothing was due and they tried to pull money over 10 times. Now they will not remove my card info and there is not a way for me to either. They told me I could just delete the app. I have now put in my second request/demand for them to remove my card/payment info.

Original post: My rent for March was paid. They kept trying to pay it and charge me for rent that was already paid. I tried reaching out daily to support with no response Feb 28-March 6. They tried running my card over and over but no way to contact them beside submitting requests which I did. No response. But I did receive a satisfaction survey multiple times asking me how customer support did resolving my issues. They did not do anything, they never even responded. Friday I got an adverse action notice kicking me off the app. After reaching out again to customer support. Today I received another satisfaction survey asking how customer service did in resolving my issue. Still they have done nothing. No response. I am at a loss at this point. Not being able to reach customer support to resolve an issue and then getting an adverse action letter is concerning considering how much access I gave them to my bank. Especially when they are trying to pull money that was already paid.

Where do I start, I’ve never had such a worse headache than dealing with flex.

I won’t go into much detail, but it was so much back and forth emailing and they would just ignore the context in my email.

They couldn’t “pay” my month of February because my complex didn’t take online ach. Um you paid January’s rent no problem. When I got the text mentioning this, I emailed them and asked them what the issue was. They emailed me back on the 3rd (last day to pay rent) that my account was in the queue and I would get a confirmation email. Next day, still not paid. I messaged them again and they basically were like, oops. sorry couldn’t pay. AFTER I JUST AENT A LING MESSAGE WITH SCREENSHOTS OF EVERYTHING, They just responded with couldn’t pay. No sorry even.

Now it’s me going back and forth and I just ended up paying my late fees because they said they couldn’t take care of it.. oh and I had to reach out multiple times just to get them to respond.. like a day would go by and they wouldn’t even respond. I constantly had to get in touch with them with this ongoing issue.

Then again, I would send a message with screenshots bc they said they would send me $75 back to reimburse me for other unnecessary fees due to them that I had to pay my complex. They said to reach out on the 5th if it didn’t come in. Well after all this was “over” I said I paid my rent plus late fee, I’m wondering where my $75 is. Not once but TWICE they responded with “send sceeenahots of your late fees of the rent, we can send it to finance, blah blah blah. SIR THIS IS DONE AND OVER WITH. I PAID MY OWN LATE FEES. It is the 12th and i’m only asking you where my $75 is?! TWICE I HAD TO SEND ANOTHER EMAIL BACK TO THEM SAYING THIS.

Never in my life. A company giving you the run around. And then they send back $55 and i’m like omggggg. WHAT IS THIS. I have to reach out again because PEOPLE CANT COUNT? AND ALL THEY SAY IS OOPS. wrong amount.

DONT USE THEM UNLESS YOU ARE READY TO PAY LATE FEES, TALK TO PEOPLE WHO REALLY JUST DONT CARE.

TAKE ONE MONTH to pay your full months rent on the first then half of it on the 15th to your complex people. Then when the first comes back around, you only have to pay half. BOOM. no $20 membership fee.

For a low monthly tenant membership fee, I’m able to balance my budget with FLEX, to pay my rent in two separate payments.

FLEX allows me to plan for financial emergencies, have enough money to pay my bills, and continue living in my favorite city neighborhood on an apartment I enjoy.

Features of FLEX that make it easy to use: the articles and the electronic calendar on the FLEX app. shows you when your two rent payments and your membership fees are due. (If you need to reschedule your second rent payment you just select the date on the calendar that you want FLEX to automatically withdraw from your checking account.)

FLEX’s staff are online and have written helpful articles for every rent-payment related scenario. You can also reach out to the FLEX membership team with your questions or concerns via email. They will respond within a day or two.

If there is a technical problem with FLEX on FLEX’s side; tenants are given a FLEX accounting number and routing number to pay their full rent on the first of the month. The tenant logs into their online rent portal, selects checking account and inputs the information provided by FLEX. Only half of the tenant’s rent is paid but FLEX pays the full amount to the property management company as usual. Then, the tenant will select the second date on FLEX’s electronic calendar to pay tue remainder of their rent to FLEX. Such an easy process.

Imagine if every property management company and home mortgage company accepted FLEX payments from their tenants and home owners; they’d have higher retention rates in their apartments and homes, and happier tenants and homeowners. Financial worries are removed when FLEX is utilized by both the tenant and property managers.

I’m fortunate that my property manager accepts FLEX to pay my rent in full on the 1st of every month. Without FLEX, I’d constantly worry about balancing my budget and having to move because of rent increases.

FLEX allows me to plan my life around my rent payment , so that I can relax and budget smarter. I love FLEX! I wish every property manager accepted it. Would make life so much easier for tenants and for the property manager too ( with FLEX, tenants’ rent is always paid on time).

Thank you FLEX for making my life easier!

Here’s why this app & service is outrageously bad, and I hope this really helps the service improve or helps someone find better alternatives than these folks. Lack of Support, Issues with Authentication on the App, Slow feedback and response from support, Lack of significant notifications. Lack of Support/ Slow Feedback and response from Support: takes 2-3 days for initial response from these folks and 12 hours to a day for each message after. So if you’re on a time crunch trying to pay rent, you’re absolutely screwed. I also tried calling their support number but it seems like it’s shutdown Issues with Authentication: So I don’t know when I set a birthday on my account but when I was trying to link my residence portal and it asked for my DOB and Social - it said the DOB was not matching what I had on my account. Mind you, there’s no where on the profile settings (at least from a mobile app or web app) where you can change your DOB. So I had to reset my account which took some time for that to happen in turn delaying my rent payment (Disclaimer: I worked on this 1-2 weeks in advance to ensure that I had no issues with my account and it only got resolved the day before I had to pay my rent). Lack of Significant Notifications: When an issue is resolved there’s no notification or email to notify you of such. My account was literally inaccessible for weeks and this was an issue that their support was handling, so at least send an email saying the issue has been resolved. I only find out about changes to my account when I get on the app. My rent for the past month was not paid by them, and I only found out when I got my eviction notice saying that the rent wasn’t paid. Just to find out that on my Flex account the info for paying rent for June wasn’t there anymore and they have things set up for July - WHILE IT’S STILL THE FIRST WEEK OF JUNE ! If a payment wasn’t collected for June when I set it for June, NOTIFY ME ! Don’t just move on to July and, assume the user knows that’s the decision y’all made. Its not like I’m always monitoring this ridiculous excuse for an app. I am begging y’all users just get your bread (money) up somehow and forget about using flex. It’s an incomplete service that has a long long long long way to go before becoming something decent.

I was alerted by Flex that I would need to self-submit payment on April 1st,2023 using their account information and had to do so again on the 3rd. I did as instructed and figured everything was good when my leasing office confirmed submission. However, I was surprised to receive a call from my leasing office two days ago to tell me that the ACH from Flex returned ( in other words the check bounced). To summarize I contacted Flex at the request of my leasing office to ask that they correct this issue. I received automated responses but no live help. A representative named DANTE from flex said that they would try to resend the payment or refund my rent payment so I can pay it myself. I checked each day to find that NOTHING had been completed. NO REFUND AND NO SERVICE RENDERED. I have tried calling flex through their number listed on the ComplaintsBoard.com website and even then was only able to submit a voicemail. They seem to reach out by email once a day with the same response of: “ I can understand the frustration and anxiety this kind of situation may cause and we appreciate your patience.” Yet there is no urgency to correct the issue resulting in late payments on your account. At this time, I have demanded a full refund of my payment and service fee. I will not be taking the chance of using this service again once I have been refunded. If you intend to use this service please be aware that there is a possibility that they will leave you waiting for long periods without responses unless collecting a payment from you. It is imperative that you protect yourself from possibly have to borrow money and/or bargain for leniency on your rent. Update: 4/28/23 I was contacted by Becky after 4pm to inform me that Flex does not show that the ACH was returned. And they are asking ME to get proof from my complex instead of them getting this information. No one seems to know where my payment is but yet Flex was paid. Unbelievable! I’m seriously thinking about putting this on social media to warn others.

UPDATE: The issue with Flex has been resolved and my payment returned. There were really apologetic and even asked for feedback. Hopefully they will setup up an emergency live support when issues like this arise in the future. Going forward I will be paying my rent on my own. However, I wish them luck in the future.

I've been doing things all on my own and paying my rent in full on time before the pandemic, after the pandemic, and during the pandemic so to get this offered to me was like hitting the lotto. But July's rent, like every month, was due on the first of the month and any payment to my account after the 1st is subjected to late fees. Having said that, "Flex" withdrawal attempt was made on the same date my rent was due which immediately kicked my anxiety up to "hyper spasm" mode. Since it was blatantly obvious to foresee "Flex" would fumble my lease agreement and "drop the ball" ultimately leaving me, the account holder aka the "legally financial responsible" party, in a rental hardship; I had to cover July's rent myself. Since I'm a single parent with small kids I don't have time for games! Especially when it comes to keeping a roof over my little ones heads. ...Having said that, I would really like to see "Flex" work for me but for me, in this situation, paying early is "on time" and "paying "on time" is late! And on the 5th of the month issa humiliating "5 day eviction notice" taped to your front door! So now it's July 27th @0800. I've already submitted a partial payment to my leasing office for 50% of my rent. I requested rent payment service from "Flex" for August rent for the remainder balance of a smaller amount. This way if "Flex" don't come through, like I'm eagerly anticipating them to, a partial amount of 50% will be easier to pay verses the full amount and getting a humiliating nerve racking 5 day notification to vacate. Idk, but if "Flex" communications that an attempt to withdraw the partial payment amount I owe to them out of my bank account prior to the 1st; it must mean "Flex" will make good on their end of our agreement. Oh well lol. I'll patiently wait to see how this is going to play out. If you're new to "Flex" like me and don't got time for the games and theatrics don't worry l'll DEFINITELY update this post. Update: OMG Y'ALL! PHENOMENAL It's 08/05 and Rent was paid On-Time aka Exactly on the 1st! Idk how they did it but my balance is totally paid and my account is in good standings. There's not even a single blemish on my lease agreement/ rental account that would insinuate or speculate that I have an agreement with FLEX. Which is good for me because I don't want it to seem as if I'm in competent of fulfilling my rental agreement. ⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️

Update: I’ve asked for someone to call 16 times and each time I get a generic response, I get the same canned message every time. I’m never actually gotten a real response. Just canned message after canned message

Update-Here we are months later and still nothing has changed. I’ve been emailing for DAYS and no real response to my concerns. I’m so over this app.

Update- so I saw that someone responded to my review. I did as they said and emailed them only to have Kevin tell me they can’t reactivate account after the 1st. Last time I was told the 5th. Every time I finally speak to someone I get a different answer. I’ve been trying to reach out all week PRIOR to the first and I’m just now getting a response when it’s too late to reactivate. I’ve also sent countless emails asking for someone to call me! I still haven’t received a call. Starting to seem like every time I need help they are no where to be found..

I loved loved the flex app until 2 days before my scheduled payment I received an email saying my payment schedule had been changed from weekly to bi-weekly literally two days before it was due and when asked why didn’t I get any notice before then and I was told you received an email about your April’s rent at the end of March, I told them that before making changes they should give the customer enough time to make sure they have the funds in the account to cover the payment. I was asked if I received a text message in regards to my payment and as I explained before I received the information on March 31 (tues) explaining that my payment schedule was changed and payment amount was doubled without my knowledge and had to be paid by Friday. Due to the pandemic I hadn’t been working as often so I was really depending on flex to help get me through these tough times. I continued reaching out and finally I was told that my apartment was not a partner property although they have a link to flex on their website and I literally just linked my account when I received that response. I asked when did that change and didn’t receive an answer instead I was asked if I wanted to reactivate for June, I told them no because I wasn’t sure I can depend on them anymore because I was told that I was take off of Flex due to April’s rent not being paid even though they changed my whole payment schedule and amount.. and now I’m still playing catch up with rent because all this mess happening in April set me back a lot. If only I could actually speak to someone and not wait two days for an email.

This company is horrible! The “chat bot” customer rep is no help! You can’t connect to anyone! NO CUSTOMER SERVICE NUMBER TO CALL! They INSIST there is a force payment button when there is none. They debit your account at random times and don’t tell you when. They charged me a membership fee for a month my rent didn’t get paid when funds were available . They LIED to me about cancelling my membership for my credit score as it has gone up! If you DO have a problem and try to contact support be prepared to WAIT SEVERAL TO TEN DAYS FOR AN ANSWER! HORRIBLE HORRIBLE HORRIBLE!

today is July 5th and unfortunately i got paid today due to the fourth of July holiday, so since the first of July Flex has been charging my account, but obviously i didn't have significant funds that i needed to pay the first payment until today (the 5th). i looked on the flex app and it says that the flex app will keep charging my account until the 5th @ 1:00 pm EST which is 12:00 my time, so today is the 5th and now i got paid and i have significant funds and now im waiting for flex to charge my account for the first payment so my rent can be paid because by now im 5 days late and guess what flex does... dosnt charge me at all! there are no charges for the 5th! and to make it all worse they have no contact support, and everytime i contact the Lex bot chat it keeps saying the same thing, that 'flex will keep charging my your account until the 5th until 1:00pm est' but flex didnt even make a payment on the 5th . i have been trying countless times to email them and nothing all day. now its 12:00 am on the 6th and i look on my phone and now flex is saying that they wernt able to pay my rent. so now me and my husband are very upset because the app did say that they will keep trying until the 5th and guess what they didnt even try on the 5th AND I HAVE THE FUNDS NOW!

You can only reschedule the second payment which makes the idea of flexible rent not so flexible.

They sent an email saying a payment was going to be taken out on one day got an email a week later that the payment was going to be taken out a day before pay day, received another email saying to disregard last email but the payment still got taken out one day before pay day.

The app in itself doesn’t offer much. It just give information that I could get on the website so not really worth it.

Gives me these start up vibes where the push is GROW GROW GROW rather than putting out a quality product. So let’s hire a ton of people because we can’t keep up with demand and not hire project managers to direct engineers and the people that face the brunt of it are the, what the CEO sees as second class employees, the customer service team.

Since the idea is building credit I would say that at first you cannot reschedule your first payment of the month until you have six months good credit built up with us. I would also make it so that you can reschedule your second payment on the app without contacting customer service. It’s not that hard to give limitations on an iOS app where they try to reschedule without enough advanced notice the app won’t let them or if they try to reschedule on a bank holiday the app won’t let them.

Idk if the company is just focused on hiring hiring hiring before actually solving issues to what otherwise would have been a great idea.

I have been using Flex for months and loved the service until these recent changes displayed another company falling subject to corporate greed.

Flex was extremely easy to set up and once you are approved for a LOC to cover your rent, Flex took care of everything else including making the payment. The program in the beginning allowed you to split your rent 50/50 with Flex which gave you the flexibility (hence the name) to budget rent better

The link was sent by my management company as an alternative. I reviewed and read all the services and decided it would have positive impact on my budget. I DL the app, completed the registration process, and while reading the disclosures/terms, the process timed-out. Ok, I’d thought, “just log back in, continue where I left off”. I signed in and the app was locked on the phone verification, where I needed to continually enter my ph#, just to get a white screen and an “Ooops”, error message that my phone number wasn’t valid. When I’d already completed the registration. I eventually uninstalled the app, reinstalled to start over. When I DL app, I get the “welcome back”, screen (with my personal data still in the app) that prompts to continue where I left off which should have been the terms and disclosures. This time I get to the email verification and it freezes. I repeat the uninstall/install process 4-5 times, in which the app freezes on almost every page of the registration process. I submit a ticket to support, just to be instructed to repeat the DL/DEL app process over and over again. I eventually receive an email, and sending additional emails would only delay response and that it has been escalated to their tech team. My issue is: some products and or services require a “LIVE”, person to assist, especially those service requiring your personal data and banking information. This company has a great concept, but no phone number or option to delete your personal data.

If you are secure and confident that you won’t need their customer service, then this company won’t be a problem for you.

1.) They are COMPLETELY unreliable when it comes to email communication. I sent an email asking to reschedule my second payment, I didn’t get a response until 4 days later. Thank God it wasn’t close to my due date because they wouldn’t have been able to change it.

2.) The payment processing is sketchy. They say you can email them to request to have your payment processed but they NEVER handle your request on time. So if you need to process a payment on the last day before the late fee kicks in, you’re out of luck. They claim that they run the payment twice a day until the funds are available. That’s a lie. It only runs once sometimes but when you tell them that, they don’t believe you. They caused me to have a late fee on my account because they didn’t process my payment the second time. They refused to reimburse me because they said it had nothing to do with them and to take it up with my bank.

3.) they have no phone number so 9 times out of 10, they handle your emails when they want to handle them. They don’t care about people’s financial concerns.

4.) My apartment late fee kicks in on the 4th. On the 3rd, I realized that they hadn’t processed my payment all day. I emailed them to please hurry up and process so I won’t have a late fee. Not only did I not hear back from them until two days later, they refused to take accountability and fix the problem.

So use at your own risk.

I’m really unhappy with flex and it’s customer service. Flex attempted once to take money out my account on January 31st before the 1st which my funds wasn’t available until February 1st since January 31st flex never attempted to pull the half of my rent money from my account which normally they supposed to keep attempting until the 5th of each month that never happened. I have now emailed there customer service at least 3 times and I got the same response each time saying they have a high volume of messages and they will get to me once it’s my turn in the que. I don’t understand why flex don’t have a customer service number that you can actually speak to someone it will make life a lot better or they can actually allow you to make your 1st payment yourself on there app like you can do with the 2nd payment yesterday I received a 3 day notice to pay my rent and if I don’t pay it on that time frame I will be facing an eviction I have a 5 year old daughter and just found out I’m expecting so rent is the last thing I need to be stressing about being that I’m high risk when I’m pregnant.. If I don’t have my rent paid in 3 days I will be responsible to pay my rent on top of trying to stop an eviction which is about $500 smh flex I’m very upset and stressed out with the way you’re handling your business my funds been available to pull since February 1st yet as of today my funds are still sitting in my account if you guys are experiencing a system issue tell your customers that be honest and make things right!

Their customer service is COMPLETELY RIDICULOUS. I’m They don’t follow through or follow up. They act like they can’t comprehend anything and they tell you anything. Seriously. I’ve been trying to do the app for over a month and a half. Initially I was told that they didn’t support my bank when the whole time they did it was just under another name. Then I ran into a issue to where I put in a bank that wasn’t my primary bank so I needed my accout wipes to reapply. I am currently working with LiLy and a sup named Kevin. I’ve been working with them since 09/21 with absolutely no resolve. Lily was able to get my account wiped the first time but when I went in to apply again I didn’t finish the application completely, when I came back later to finish it I got a message saying to email flex because they had ran into a issue. These people do not update or give responses or even attempt to see if they are maybe misunderstanding your issue. All they have to do is wipe my account again for me and they’re giving me all types of run around info. I have asked to be called over and over. Nothing. I am soo disappointed because this is the only service my apartment complex uses. Smh

Update: I’m now Able to get into the app, once I put in my bank info all it says is Hang Tight, we’re crunching some numbers”. I have tried not at least 10 times. You guys portal/server/app is just horrible. I have been and still am working with you guys but it’s like nobody really knows what they’re doing... It’s been almost 3 months now.

I’ve been loyally and ON TIME making my payments with Flex since it came out well over 3 1/2 years ago. Everyone once in awhile there’s been an issue but they’ve always got it sorted. About 2 years ago one of FLEX’s payments came back returned. Not mine. Since then, Jenny who is the best worker there, got my replacement payment in with a card and resolved the matter. Since then Flex has gone in every month to my rent portal and added a DEBIT or CREDIT CARD to make my payment with no issues since I always have money in my account early! Well they did a big update this last month, here we are at the 1st, and the app says SERVER ERROR and it can’t load the bill information. Mona emailed me back just saying that my landlord disabled ACH payments which isn’t true, and that it has to be enabled for Flex to pay my rent. Which isn’t true as Flex has been using a Debit/Credit card for the last 2 years! I can barely get a response back, and the one I do doesn’t seem interested in helping my issue and just giving me a quick answer. My account is an exception due to Flex’s error, payments can be made through my rent portal using a CARD! You still have the card that was used last month saved on the portal! You would think when you hold up your side of an agreement and follow all the rules and NEVER miss a payment that this is how I’m being rewarded. This is a simple fix and if it’s not corrected by tomorrow then I’m screwed! Look at my account and past history and you’ll see Flex uses a debit or credit card to pay my rent!

I signed up for Flex rent by the 3rd of the month before 5 pm EST. My application was approved and all I had to do was press the black “next” button on the “You made it to the last step” page. When, I pressed the “next” button, the website form turned into a white blank page. Confused and having tried Flex for the first-time, I thought maybe that meant the form was processed. Later in the afternoon, I refreshed my browser and was given the “You made it to the last step” page again. I pressed the “Next” button and it seems to have now processed/completed my application (this time I received a page saying “Congrats! You’ve completed setup.”). Given that I didn’t receive this page until after 5 pm EST, I am concerned that my form did not fully process my rent request for this month (October) and Flex will not be able to my rent on-time. If the rent isn’t paid by the 5th of this month (tomorrow), I will receive a $50 late rent fee. I tried contacting Flex support on Oct. 3rd and, so far, received no un-automated response from a customer service representative. I’ve never been concerned before like this about rent and decided to try Flex. I am writing this review in hopes that I receive a response and my rent can be paid so I don’t have to pay the $50 late rent fee and Flex can cover my rent until I get paid again. I have the Flex projected initial payment available in my bank account. I just need Flex to contact me as soon as possible (today Oct 4th /tomorrow Oct 5th) to pay my rent. Please assist, customer service support. It’s extremely urgent.

The point of this program is to relive people of the stress of paying rent all upfront and allowing us time to make up the rest . This is the point right ?
They do random withdrawals from your account on the day it’s scheduled to be made
For example if your rent is due by the 3rd , they will attempt any time through out the day to take the payment. Once it gets to 7pm my time I’m freaking out because I don’t want a FEE OR NOTICE on my door .
. So you can be sitting here all day for them to process a payment and pay your rent causing your anxiety levels to be evaluated (MINE ). Why would they do this ? There are plenty of similar programs and processes they can follow they choose this one .
They should have an OPTION between the first and the 5th for a customer to manually process the payment via DEBIT CARD instead of waiting for them to randomly withdraw it from the account any time of day.
The customer service is no help . They give you copy and paste responses and they don’t have a phone number to speak to anyone . This takes the human aspect out of the process , and because this program is designed to help people , you would think they would add a human element to their customer service process . It’s just bad .
Also please make sure you have at least half of your rent in the bank just in case they decide to randomly screw you with no Vaseline . Im fixing to cancel my plan and just continue with my life BAU. You guys wanna help need to have a board meeting and really discuss what that would look like to build a better brand .
Drops mic

I resigned up for the service in October I wasn’t notified til the day before my rent was due that they could not “locate my leasing agreement. “ After resubmitting my info and emailing them for 4 days it finally went through, when I went back to the app to see when my second payment was due it had no info showing me when it was due since they took my payment late. When I first signed up for the service I was notified that payment dates were the 1st and the 15th but when the 15th came around they did not take my second payment only the membership fee and tried to take payment the next day.A unexpected charge hit my account that day and took some money out of my account and when they tried to take payment they couldn’t. I received a notification that day that payment was unsuccessful i went the same day and put the remaining funds in my account. the next day I received a message saying that my account was suspended because of an outstanding balance but shortly after they took the payment out of my account and left my account suspended.The same day that I received the message about my suspension I emailed them to unpause my account and that was November the 17. I had been going back and forth with them for about 2 weeks only received generic emails stating that they are they are experiencing high volumes or that my request has been reviewed and that they will get back to me but they never did and it’s the 7th of December which made me have to pay a late fee on my rent over a pending balance on my accounts that I shouldn’t have because they have been payed.

Had them for 3 months, in those 3 months I was paying an extra $250 in late fees because they will take the funds from your account only to process it for up to 4 days. So do the math rent is due on the first, but gets paid on the 5th? Almost like they want extra money because you HAVE TO PAY them back. Also, no proper way of communicating anything to any actual human. Everything is via email and will take daysssss to get a response. Then they charge you $20 every month also as a membership fee? Like huh. How does a company that’s build on helping people with rent want to take more of money? The icing on the cake for me is after paying my rent for 3 months with flex, they said my complex didn’t accept their form of payments. I was basically being evicted at this point by my apartments and had to explain that Flex shouldn’t be allowed at their property and I was fortunate enough to have the funds available to pay my own rent fully. Flex never responded and in fact responded after I asked for my money back and to close the account. It is honestly worth the $72 filing fee to small claims because of how dishonest they are. Which I have yet to decide whether or not I’ll be doing, but it’s definitely cool maybe your first month but BIG NO from me. Rather be dead broke than depend on flex to help. Don’t recommend. Find another way. This is not the company you want because if you depend on them literally, they will fail. And if you don’t have a back up then you will be evicted and homeless because you put trust into a company that literally isn’t ready to be used.

I have been using this app and service for months and up until October I had no issues. Until recently due to an issue on Flex end they were having trouble submitting my payment to the apartment complex once they took it from my bank account, which caused my payment to be late and my apartment complex charging me a fee. Luckily my apartment complex had me submit the text I received from Flex and they reversed the fee, however I reached out to Flex first and because the communication is only through email their response time is horrible and I never received an answer back as to how this would be resolved. After this I have had nothing but issues with Flex. I no longer have access to the app and the only thing I keep getting told is to uninstall and reinstall the app because my account is still active and this does not help I have done this over 10 times with still no access and Flex has not responded with a solution, also because I have no access I was not able to change my 2nd payment date so I emailed with a payment date change request and they emailed me back stating they would change it and it was approved. However, they took my money anyway early causing something else I had to pay to fall into default. I have sent multiple emails about all of these issues with no resolution. Now my December rent is almost due and I still have no access to my app account and I haven’t heard anything about anything. This is horrible customer service and the communication needs to be changed. Communication via email is not a good solution when dealing with money especially when the turn around is multiple days later or none at all.

update*** so after I got my portion of the money back from them on sunday, i did the logical thing and paid my rent, assuming flex was not covering my rent. Monday, i got a text from them saying that they did cover my rent. But its too late for me because i have already take. My half and paid it to my property managers. Fast forward to today, Here we are two almost 3 days later, and now THEY CAME BACK AND CHARGED MY ACCOUNT AGAIN! now I am $600 in the hole in my bank account. The last little $10 i had to my name is gone. I emailed them as requested, since they SUPPOSEDLY dont have any of my contact info and they did this. What the actual $&@!

It has only worked for me one time. This month, idk why things happened the way they did but they have screwed me big time. For some unknown reason they were not able to submit the payment to my property managers so i had to self submit. They dont even give you all the info to enter. Tou have to input name and bank account information but all the give you is the bank account info. Anyways. I sent a message to flex support and no one ever responded so i just went ahead and did it before i couldnt anymore. Well here are several days later on a sunday(banks arent even open today) and conveniently after i cant resubmit my money reappears in my account one day after ican’t resubmit. But the instructions say if the amount gets released back into my account. This is the second time ive had issues with them resulting in late rent. Its written in my lease that if u are late twice u have to pay an extra amount for the remainder of the lease. So guess who is going to have to do that now?

We moved all the way from Nj to N.C. so we where trying to manage our money the best we could and since we saw an add for this app pop up on our rental portal we decided to give it a try. We liked our bank account two weeks prior to the first or September everything was fine. Then the day before the first of the month around 7pm I decide to check the app just to make sure again that we are good to go for tomorrow (I had already checked it that morning and the rental portal and bank account where linked everything was fine) well when I check at 7pm it says that our rental portal has disconnected and there’s no number to call all you can do is email. So you would think that they wouldn’t try to take the money out of your account on the first since I tried for almost two hours straight to reconnect my rental portal with no luck. September 1st comes around at 9 am I call my rental property to see if flex paid the rent they tell me nothing is payed so I call my bank to see if they really tried charging me and of course this scam of a company tried charging my account $544 (half my rent) without even being linked to my rental portal. This company is an absolute scam my husband emailed them to cancel everything that we want no business with them and they’re response was “well we don’t understand what’s wrong and we can’t cancel at this time unless you tell us what happened! Until then we will keep trying to charge your account the money for the scheduled flex payment” please don’t let these people steal your money! Had I not blocked my account the night before these people would have taken $544 of our hard earned money and left my family and I owing our rent.

I have been using Flex to pay my rent since August. I felt the $9.99 a month was a small price to pay to have Flex take rent out of my paychecks so I didn’t have to pay my landlord all at once as rent rarely fell on my pay cycle. I get paid every other Friday and when I joined, they agreed to take out 425 every pay period and would pay my rent to my landlord between the 1st and 3rd usually. I have a consistent direct deposit schedule, never been late or had insufficient funds or ANYTHING. Flex advertises themselves to pay on “our terms” and up until now, I would give them 5 stars. Well they decided to pull the rug out from under me, during a horrible pandemic no less, and put me on a “fixed” schedule which basically means the money comes out the same days every single month without taking my pay schedule into account. I addressed it with them and they pretty much said they can’t change it. There is ZERO reason for them to put me on a fixed schedule when that’s not what they advertise and that’s not what they told me! How can you market yourself as a company that puts our paycheck into consideration then change it completely? Your random two dates you pulled out of your hat are opposite from when I get paid so for that I cancelled and urge EVERYONE who is thinking of signing up to not. Also, if you already have an account BEWARE and get out while you can. They are frauds and false advertisers. I will be going on every website I can including ComplaintsBoard.com if they are registered with them to write a review. I will be paying my rent on my own and will make it my mission to prevent people from being scammed and mislead by your terrible company. SHAME ON YOU!