FlexShopper
Reviews and Complaints

I purchased products in Florida using Flexshopper’s 90 day same as cash. I was told they would take money out of my account to pay the lease off in 90 days. I signed up and forgot about it 5 months into this 90 days same as cash, I noticed payments continued. I called the customer service and was told after 90 days I was charged 65% interest rate. My original lease $1400 and I will now pay more than $4000 for this service. I have never paid a 65% interest rate in the US or any other country.

I bought a TV for my old man back in June, right before Father's Day. I had no issues with it at all, paid for it auto-draft and everything went smooth. After a few months in September, I thought I deserved a little something for myself and took a peek on FlexShopper's site. They had a sale going on, so I decided to nab a laptop for my daughter. It was a pretty penny, nearly $850 to be exact, but I figured it was worth it for a Christmas present. Unfortunately, when I gave it to my daughter on Christmas Day, it didn't work. You can imagine how upset my daughter was - it broke my heart. I gave them a call and talked to a few reps, but none of them could do anything for me. Eventually, I spoke to a supervisor who told me they could return it, but that was it. They couldn't guarantee a replacement or a credit or anything. Talk about bad business! I was furious, especially since I still had a few payments left on my TV. After hearing that they couldn't guarantee anything, I stopped auto-draft and refused to pay them anything else until they fixed the situation. I told them exactly how it is - I'm a single mom on a budget, and their shady behavior wasn't helping me out at all. I've told everyone about this and am even considering filing for bankruptcy just to show them how angry I am. The laptop is still in the box, and if they credit me my money, then they're welcome to it. I'm not a happy customer, but I am a customer who won't be taken for a ride.

I recently ordered something off of FlexShopper's website, feeling pretty positive about the whole thing. But, like any good consumer, I decided to take a peek at the reviews to make sure everything was on the up and up. And let me tell you, I was not impressed. There were all sorts of people claiming they never received their packages and many other complaints.

I was so alarmed that I dove right in and called the company to try to cancel my order. But, wouldn't you know it, they told me it was already on the way and basically shrugged off my concerns. They suggested I reject the package when it arrived and hope for the best.

But then, while really scrutinizing my contract (which, I have to say, had some pretty insane interest rates), I discovered a clause that allowed me to cancel my order within three days of purchase. I pointed this out to the customer service agent and gave them a real tongue-lashing, demanding to know what they thought they were playing at.

Despite their initial protestations, they ultimately processed my cancellation pretty quickly - it was obvious they were just trying to stall me until the package was delivered. I found the whole experience really frustrating and alarming. It's just not worth buying from a company that doesn't let you return their products. My advice? Always read the agreement!

Listen up folks, I gotta share my experience with FlexShopper. This is one company to avoid like the plague. Let me tell you, I fell behind on a couple of payments and when I finally decided to pay up, I called them up to make the payment. But imagine my surprise when they told me there was a computer error and they couldn't process my card. I thought, "Okay, no biggie, I'm sure they'll work it out." How wrong I was. The next day, they messaged me about being overdue and charged my debit card two more times. Two more times! That's three times in total. I was fuming and quickly called them up again to settle this. I explained that I've made the payment and it was debited from my account. They told me they'll look into it, but then never called me back. Next day, two more charges and still the same overdue message! I called them again and demanded a payment statement. I had to check for myself if I was being charged wrongly or not. I mean, who can stand being charged FIVE times in just three days? Their reply? I was overdue, so they charged me. Really? I know for a fact that I wasn't that far behind. I just forgot to update my account after changing banks. And here's the kicker, they said I had a credit on my account. If that's the case, then why charge me multiple times? And to make matters worse, they won't refund any payments. Now, my finances are messed up because I didn't budget for four extra payments. This was a costly mistake. I'm telling you, just don't use FlexShopper. Whatever it is that you need or want, it's not worth the headache and hassle. Stay far away from this company.

So, here's the deal, folks. I had an experience with FlexShopper and it wasn't what I expected. On December 2nd, I made a purchase for three items. However, on December 5th, I realized that I needed to cancel the order. I mean, things happen, right? So, I contacted FlexShopper and they said that they would cancel the order once the one item that had already shipped came back. Well, that sounded reasonable.

But, guess what? Three days later, they shipped out the rest of my order even though I had asked them to cancel it. I don't understand why they would do that. So, the very next day, I received one of the items, and I called them again. This time, however, I decided to keep the one item that I received. Nothing else showed up at my door. So, I looked at the shipping and realized that the second item was attempted to be delivered when I was at work, but it was since sent back to the sender. I called FlexShopper again to see what was going on.

To my surprise, they acted like they didn't know what they were doing. But eventually, they said they would cancel the order and refund my money. They told me that I would receive the money in three days. However, while the package was in transit back to the sender, I found that the package had a damage report on it, but it has not been removed from my account to this day. So, I called FlexShopper to ask why it hadn't been removed, but they said they were waiting on confirmation from the merchant. Come on, it's just a simple email!

I decided to call back and talk to a supervisor, but they refused to let me talk to anyone in charge! What kind of customer service is that? It makes me so furious that they refuse to cancel my order and don't care about their customers enough to listen when they want to speak to someone in charge. Honestly, I wouldn't order another item from this place. My experience was far from satisfactory and I don't recommend it.

My experience with FlexShopper was quite a rollercoaster ride. My first order was smooth sailing, no problems at all. However, my second order was a complete disaster! I ordered a fireplace heater, which came scratched and with a cabinet broken on the left corner. I was shocked when the customer service representative told me that once the box was opened, they were no longer responsible for the item. How could I possibly know if the item was damaged or not until I opened the damn box? A full price, plus huge interest fees for a badly damaged item? Come on, you've got to be kidding me!

In addition to the damaged fireplace heater, I ordered a laptop computer for my daughter, which arrived three weeks later. To make matters worse, the computer that I received WAS NOT the computer that I ordered. It was much cheaper than what I had ordered. I called them and they gave me instructions on what to do. They promised to adjust my payments for the cheap computer that I received. However, despite me doing everything they asked me to do, I got no response at all from them. My payments were never adjusted.

After two payments, I called again and they gave me the run around transferring me from person to person with no resolution. It was the same outcome each time I called. To add insult to injury, I asked about sending it back and was told that they did not own the computer since they had leased it for me from a third party. Therefore, they could not accept it back. When I asked who this 3rd party was, I was told that they could not release such information to me. In the end, I paid over $1200 for a computer that was worth (maybe) $500. They never adjusted my payments, and I was charged for the high-end computer that I never received. This is robbery!

I am convinced that if a person had the time and money to hire a lawyer, it would also be found illegal. All in all, I am disappointed with the service provided by FlexShopper. Their customer service is awful and they don't take responsibility for their mistakes. It's a shame because I had high hopes for this service. I hope that they take the necessary steps to improve their service and avoid such a disastrous experience for their customers in the future.

When I first came across FlexShopper, I thought it was a great way to get the things I needed without having to worry about breaking the bank. Unfortunately, as soon as I gave them my account information, I regretted not reading the reviews first. It seems that everyone is saying the same thing - this company is nothing but a scam!

I wish I had listened before and not have done business with them. The reviews don't lie. They do not ship you the items you order and steal money straight from your bank account. They do not keep their end of the lease agreement; charging customers before the product has arrived. The company even claims that the product has been delivered when it hasn't, and, to make matters worse, they refuse to refund your money! It's all absolute nonsense.

I do have evidence that the package was never delivered, including screenshots and videos from my front door camera as well as the office manager agreeing that there was never a delivery. There are even reports suggesting that unmarked delivery trucks show up delivering substandard products that never work properly.

I beg you and stress, never give your account information to FlexShopper, as it's a complete scam. I don't trust them at all, and I hope that no one else falls for this pitfall.

It's all very frustrating as they tell you the product arrived when it hasn't. They continue charging premiums on your account, even though there's been no delivery. They don't seem to care about the customers and will steal your money.

Please take heed - do not trust this company or give them your information. Learn from my mistake. They are a complete fraud, and I'm now in the process of filing a police report and contacting a lawyer regarding the fraudulent charges and their entire operation.

Update: Today's date is 2/15/22 and, as expected, the package never arrived. FlexShopper is now refusing to help or stop payment, and claim I already have the laptop even when I don't. It seems they don't have a legitimate lease and are participating in fraudulent activities.

And here's another update - It's 2/16/22, and FlexShopper is still trying to charge me again. They're acting like I never filed a claim - blatant lies.

Tread with care.

I've been using FlexShopper for about 5 months and haven't had any problems so far. Payments went smoothly, even though their interest rates are pretty high. But hey, I wanted to spread out my payments over a whole year so it was worth it.

However, I did come across some reviews online saying that FlexShopper can randomly charge you extra out of nowhere. I didn't believe it until last week when they pulled double on one payment and put my account in the negative. I reached out to their support team and all they said was that it was a system issue and they couldn't do much about it. To make things worse, they continued to charge me double for one of my leases for being late on a payment. It's ridiculous and I believe they're nothing but con artists at this point. They're just messing up people's finances and then pointing fingers at them for their own mistakes.

I've seen many reviews about them pointing out the same issues and it's really concerning. The fact that they don't even have a resolution for such issues and just ask you to wait and watch your account dip lower and lower with no action on their side is just unacceptable. They need to be held accountable for their actions and I believe there should be some sort of class action lawsuit against them.

When things are going well, everything seems fine with FlexShopper. But if you run into any issues, don't expect any help from them. They'll just put your bank account so far in the hole that you'll never be able to get out of it. I hope people read this and stay away from them, considering I've been struggling with this situation all week and still haven't gotten any help.

I've got some experience with FlexShopper in the past and I've been making weekly payments for almost half a year, without running into any issues. However, my most recent experience with them left me feeling quite frustrated. I had ordered a coffee maker, but after processing the order, it dawned on me that I had made a mistake and ordered the wrong one. I waited until customer service was available the next day and was advised that they would cancel the order. Unfortunately, later that day I received an email stating that the item had already been shipped. When I phoned them again to complain, I was told that I could refuse delivery or simply receive the item and then request a return label. Not wanting to wait any longer for a coffee maker, I decided to just take what was sent to me.

However, when I finally got the box and opened it, I discovered that the plastic grounds basket was broken. So, I contacted customer service again, explained the situation, and was told that they'd put in a ticket for a damaged return. But then I waited for two whole weeks before receiving an email from their returns department, asking for pictures of the damage - which I promptly sent. I was getting very frustrated at this point - it seemed that they were willing to rush the shipping without any care for the customer, but when a problem arises, they don't seem to show much urgency.

These issues with customer service were exacerbated by the fact that I had switched banks around the same time that the coffee maker arrived, which meant that my weekly payment didn't go through. I knew that I wanted to resolve the issue with the coffee maker return before submitting new bank details, but despite this, FlexShopper's customer service reps started calling me multiple times per day, reminding me to make my payment. This was very frustrating, especially since they had not done anything to help me with the issue of the broken coffee maker.

All in all, my experience with FlexShopper was very disappointing. As a customer who had previously been very happy with their service, I found it frustrating that they were more concerned with getting their payments on time than with resolving an issue that they themselves had caused. If they want to keep customers happy and retain their business, they'll need to do a better job of prioritizing customer service and addressing problems when they arise.

So, I wanted to take advantage of the 90-day same as cash offer that FlexShopper was advertising for holiday shopping. I was hesitant at first, but I work in finance, so I thought I could navigate the waters here. Boy, was I wrong! This company is a hot mess! It's almost like they must have hired a group of monkeys to run things - and even then the monkeys might have done a better job. Honestly, I think even a $0.25 lemonade stand would have been better run!

From my personal experience, I can tell you that FlexShopper is NOT ethical. They'll do anything to make a quick buck, even if it means going back on their written agreements. I have multiple conversations on record where they've tried to back out of contracts because of a change in the item's price before they'd acquired it. That's against their contract's terms, which state that inventory acquisition should happen when the contract is drafted.

Of course, they admitted to me that they don't do it- it's only done after the contract is executed. And that's why they kept pushing me to cancel the order and place a new one. But when I refused to do that and brought up management, they finally reinstated my order at the originally contracted price.

In my opinion, FlexShopper won't last long - I'd be surprised if they're not bankrupt in 18 months or less. I don't approve of this behavior, but I think they'll continue to draw in a significant number of customers who hope that they'll end up keeping the item for free while they go bankrupt. It's a pretty sad state of affairs.

If you're planning to shop with FlexShopper, my advice to you is to tread very carefully. Honestly, I'd recommend avoiding them altogether. If you've already signed a contract, you might want to have a local attorney check it out. Personally, I believe that this won't stand up in court and will be regarded as fraud, which can result in the charge being nullified and the item being returned without further payment. This is especially true if the contract is found to be userous, which could be the case in some states.

Overall, I think it's clear that FlexShopper is a company that preys on the financially struggling lower and middle class market. They're in it for a quick profit, even if it means ripping off people who are already down on their luck. I wouldn't recommend doing business with them - there are plenty of other better, more ethical retailers out there.

I had an experience with FlexShopper through a Cash America pawnshop, and at first, I was excited about the idea of making a purchase through this company. However, my experience quickly went downhill. I had to constantly call them to make payments, and even though I was making lump sum payments on an 800.00 product, I found out I was behind on payments just as I was about to make my final payment.

What was even more frustrating was that I made a payment of 100.00 and two days later, they withdrew a weekly payment x 4 and then 2 more weekly payments 2 days later. When I called, they claimed I was behind in my payments, yet the only amount owed was 75.00. To make matters worse, they claimed I owed an additional 799.99 because I missed paying off my purchase in the 90-day same as cash period.

However, this 90-day same as cash was not even advertised nor mentioned in any of my conversations with their employees. Each time I spoke with someone, I was given a balance, and I wrote it down to keep up with my payments. So, I was shocked to hear that I owed so much money.

To add insult to injury, the last operator I spoke with was rude and had children yelling in the background, which made it hard to communicate with her. It seemed like she didn't care about my account and needed to tend to whatever was going on in the background. The communication for this company is awful, and as a consumer, I have never felt so financially taken advantage of in my life.

I strongly suggest that you do not buy anything through this company. They will steal money from your bank account at odd hours of the day and night, and they do not seem to care about their customers. I could not even get a supervisor on the phone when I requested, nor could I get any employees to transfer me to one or put them on the line. It seems that they just ignore their customers and say you have to pay the money without any explanation.

In addition, the apps or website to pay on the account do not provide any information about your account. Overall, this is just bad business all around, and these people should not be in business. Save yourself the hassle and buy from someone who will treat you with respect.

This is the worst company that I have ever dealt with, and I have dealt with companies just as bad. For one, unless you have a weekly paycheck, this site isn't for you. They will not give you a choice to make your payments bi-weekly, semi-monthly, or monthly. Two, they will not work you if you lost your job or otherwise lost your source of income. They will constantly call asking for money that you might not have, or need for other things, like...housing and food. Above all else, their customer service department is, for lack of a better word, incompetent. They will not help you with any issues you might have regarding billing or shipping. Case in point, I just got off the phone with them. All I wanted to do was deactivate my account with these predators, and it was "we'll send your request to the review team", and not, you know, honoring my request right then and there.

That being said, there are MUCH BETTER alternatives to Flexshopper, including saving money for a wanted item and buy outright, or going without an item in the first place. AVOID THIS COMPANY AT ALL COSTS! I seriously wish I could give it zero stars if I could!

I feel so ignorant that my husband and I did not investigate what consumers were saying about this merchant. Which by the way is true. This is not a merchant for those with good credit and high income. We thought it would be better for my husband so I could keep my debt-to-income ratio down. The first red flag is that you cannot reach customer service until after you have been hung up on several times and called back. The second red flag like companies that cut corners do, most of their staff is minority or foreigner whose dialect is not easy to understand. If you do not pay what was puchased off in 90 days this apparently add more fees, interest and any other amount they could think of every week! This is the same concept payday loans use. Our balance started at $1100.00 with making payments, doubling up on payments if we fell behind a week, reducing the balance to $414.00. imagine our shock and discuss when we were told the balance to payoff is $1400.00 More than what we started with! As I write this I am on hold with them for the last two hours starting at 7am. I asking to speak to a supervisor. The billing department would not give any explainations and if she did offer one I could not understand what she was saying. I believe I will probably file a complaint with the AG's office.

They have bothered me with phone calls and things in the mail. I have never dealt with them or used any of their products and never will. They seem to be bothering a lot of people and are scamming people out of lots of money. I have heard nothing good about them. I have heard anything from products broken to others being overcharged. Never ever use them for anything. They are a scam company and scam people out of their money.

Hi my name is Kathleen Harris, I applied for a flexshopper account and was denied because my son which is 44 years old had an account with them and because our address is the same I was denied. My point is how can you hold me responsible for another person account, my son's account has nothing to do with me he don't pay my bills and i don't pay his I should not be denied service because of this, I also informed them that my son's wife which has an account with them also live at the same address i was told that she might have fell through the cracks, Very poor customer service and not a fair company, You cannot hold another family member responsible for someone else account if they did not co-sign for that person there guidelines should based solely on the person that's applying for the service not on what other family member used the service.

Thank you

Kathleen Harris ([protected]@yahoo.com

I have dealt with flexahopper for a few years. Everything was fine until I had time miss a payment due to Covid. Since then they have screwed up my leases, charged me when I didn't owe money, changed my leases to weekly without me knowing, tried to charge a card I told them to take off account because of fraud and then got penalized because it didn't go through on that card but went through on another. They have lied to me several times, told me they would send documents to me which they never did. I have sent my bank statements to them and they still never fixed account. I paid that missed payment and account was fine and a few days later they say I owe them again.

Lease 61f0846581fd8; to whom it may cocern i brenda predmore was taking advantage of and paid more then i should for this lease agreement. ...On 5/24 i called to ask for my balance on this account was told i owe 422.00 and 28 more payments i made a extra 150.00 from my credit card towards the balance...Only 67 dollars was apy. The rep told me i still owe 355 after that payment. I have made extra payments in the past to bring the balance down. The math does not add up? i was told yesterday on 5/24 after spending a good 2 hours on hold and being switched to a few reps till i asked for the badge numbers id 20596 that she will help solve my problem that by her looking at my account i should have a few credits applyied mind you i was told it was a recorded line...Then flexshopper should have the converesations to play back from what the costumer was told...Moving forward i was told a supervisor named pam would return my call with the right math. Today i called back to be told i owe still 355. I would like a full report on this account before i take further action. I over paid and have all my statements to prove.

I would have given a negative 5 stars. Bought a laptop in April buy November it stopped working... completely! Doesn't even turn on. Has never been dropped or anything. That's not what I'm mad about though. I get things happen. The fact that I have been contacting the customer service department to have repairs done for 2 weeks now and still haven't been able to get it fixed. Instead I keep getting told I have to wait for someone to call me to set up an appointment for repairs. Since I have made the complaint I have made the payments (3 of them). My advice is dont buy anything that could ever need repairs. Paying $210 for a paper weight is just ridiculous.

How is it possible not to receive a response or any correspondence after 3 weeks? No updates to my online account, no phone calls, no emails, no snail mail, no telegram, nothing.

Three out of four items were returned back to Adorama on 11/8. I have provided the UPS delivery confirmation on numerous occasions. The other item was mailed back to Best Buy via regular mail on the same day I shipped the other items.

In addition, I have asked for a breakdown of account details for both of my accounts several times. I've received nothing.

This is ridiculous. FlexShopper has the absolute worst customer service I've ever experienced. Further, your agents are unprofessional and disrespectful, they lack product knowledge, skill, accountability, and urgency. I will never do business with FlexShopper again and I'll be sure I spread the word to others to keep their distance.

It'll be even more pathetic when (and if) I finally receive a return email from FlexShopper. It will most likely be some canned, apologetic response saying "we're sorry you feel this way, blah blah."

My banking and payment information will be changed tomorrow. If your company is still interested in receiving payment from me for my previous orders, you can reach out to me - I might get back if I have time.

I have applied for $2, 500 limit on the website of Flex Shopper LLC. I got it for free for 30 days. I haven’t used it, so after 10 days I cancelled the subscription. However, they have charged me anyway. I contacted online chat agent, who excused and told that within 5 business days I would get refund. However, the situation has changed, because money never appeared on my account. So, my advice – don’t subscribe for their subscription.