Flexiti Financial
reviews and complaints

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

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

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

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

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

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

I received a Flexiti card in my mail today, it has my name on it and says I've been a member since 2021. I have never applied for a Flwxiti card and I did not even know they existed until today.

I called them, they demanded my personal information and I refused to give it to them. I did however, give them the card number.

They said that the card was applied online in December. I didn't have a computer at that time. They suggested that someone else applied for it. They then continued the call by asking my personal information, which I declined to give.

I told them to cancel the card, ***

I don't know how they got my name and address, like I mentioned before I have never heard of Fkexiti until that card arrived in my mail box.

On September 19 through *** located in Calgary, Alberta I requested the approval for a credit to purchase a mattress whose value was $1,092 which was declined. I provided all the information requested to get the credit.
I was incredulous that my request was declined because I have a solid and active good standing credit score.
I provided to them copy of my Financial Scores from *** and ***.
***.

Still I have not got any response or an apology for their mistake.

I understand that it is sole Flexiti decision to accept or not any credit request, however, declining any request without not reason, may cause damage to my reputation which I am not willing to accept.

I kindly request Flexiti to respond my email or this note.

Regards,

PD: BTW. after looking the reviews on Flexiti I am no longer interested in their credit.

I signed up for Flexiti so I could purchase some items from *** and when I tried to use the card, it told me the number was invalid.

I called Flexiti Customer Service only to be told that I apparently can't use my flexiti card to buy things at *** because of my account type? I then proceeded to ask why *** is listed on the website (literally the first store on the website) if I can't make a purchase and they were unable to answer my question, instead, just began spouting nonsense about rates/percentages etc.

They then tried to send me a current list of the retailers I could use (Even though I repeatedly told them I literally don't even have any of these retailers in my city) and I pretty much said "What's the point of giving me a list if it's not correct"? and then she told me "Well I have a different list"... So, why do you have a different list?

This is complete false advertisement and I closed my account on the spot.

. Too many tricky things. FLEXITI has option of paying over 12 months and Dentist applies for me. However, when I pay the money back, I found there are extra 99.84 dollar I need to pay. I call them, I was told it is insurance. I said I never ask for insurance. Then it might be dentist, dentist says they never buy insurance for clients. Then who buy the insurance for me. More crazy thing is I call FLEXITI and it is related insurance company *** and follow their procedure to cancel the insurance. I did not get the refund. The I was told that I need to pay 99.84 each month. Crazy! 99.84 each month! But I have cancelled, so I do not need to pay each month. But what I have paid cannot get refund because of one month passed. The question is I even do not know the insurance until I receive the statement and call them. then I have to call FLEXITI and *** and understand what is going on. it has been one month passed.

I bought a product and applied for this the 12 months 0% for 12 months payment. I never had a missed payment and actually already paid in full. After few months of equal payment, I learned that there was a payment protection insurance every month for $15. I called and cancelled the insurance however the past months was not waive. HOw come I was charge for insurance without being offered and discussed, in tot her words, without my knowledge, isthis LEGAL? I close my card and they keep sending emails and call for my "balance" of the insurance. I asked to waive but they refused. Flexiti told me to call *** and when I talked to them, they said its flexiti that should waive, then call again Flexit and refered again to *** then to flexiti then ***... this happens many times... its so frustrating,... why would I have to chase them to fix my account the fact that FLEXITI AND *** INSURANCE charge me without my knowlegde. So stressful... most credit card company ever...

Because of the shut down my first payment (I sent a cheque) did not arrive. I called spoke to a supervisor and informed them that I would stop payment on the 1st cheque and send a replacement by expresspost, which I did.
They received that cheque and my account was paid in full. Some three weeks later my 1st cheque arrived and they cashed that too even when they were not supposed to. I had put the stop payment on that cheque so of course it was refused. They then hit me with an NSF charge.
I called and they were *** ignorant to me. Informed me that I had to pay the NFS fee because I hadn't filled out the first cheque properly? I told the guy I had no intention of paying it and he says well then email the company.
I did just that. With pictures of both of the cheques and the expresspost receipt. That was the 12 of September. I have had no response so I sent another email today and will call them again.
What an aggravation! I will cancel my account asap

I filled out an online application and got an email to contact them back. All of my information is updated with *** but *** had the last digit of my phone number wrong. They told me that I needed to update my info with both companies. When I called the credit companies *** told me my info was all correct. *** told me they had corrected my phone number. After all of this I contacted Flexiti again as they had requested. Knowing that the information may not have come through yet they did another hard credit check and then proceeded to make me feel like I was lying to them. Natasha also continued to tell me after that sometimes the info doesn't flow through as quick. I asked why she didn't tell me that before. Her response was that I said okay to the check. This was not knowing that the info would be updated on their report yet or not. I expect people that are in this profession to give me all the details before hand.

Nightmare company!
I will never use Flexiti again if you paid me.
I had an interest free 18 month loan, which I had automatic monthly payments that would clear the debt before the actual 18 month term. They called me back in September stating I had missed a payment in August, I then had to provide a screenshot of my banking to prove the payment was taken out of my bank account and was paid on time for the month in question. They later on received the payment and I thought this issue was cleared up. I then come to find out they had charged me interest on the late payment, it is now The end of June and I am still receiving *** emails of collection agencies and affected bad credit rating due to this *** company.
I have spoken with a new person about this a couple times each month since last September, waited 20-40 minutes to be told that my issue will be put under investigation with no end result.
This company has zero communication & zero customer care

I used Flexiti to purchase some appliances and did not want the Insurance. Flexiti is difficult to reach and get anything corrected. I have been trying to have the insurance costs reversed. They keep referring me to *** as well as the store where I purchased the appliances. I have contacted both and am getting no returned calls. I chose the no payment for 12 months, however I received notices regarding late payments. It turns out the overdue amounts are for insurance which I did not want. I have been trying to get this sorted out for several weeks. Flexiti keeps calling me for payment and does not look at the comments on my account. As soon as I instruct who is calling to look at the comments, they apologize for the inconvenience. I am tired of the run around so have paid my account in full including the insurance payments that I did not want as I don't want this to affect my credit. I will never deal with them again as nothing seems to be resolved. All this did was cost me an extra $300 to finance the applicances for the 2 months of problems. I also was charged $24.99 for a user fee which I was not told about.

I purchased a Washer/Dryer and was financed through Flexiti. I made all my payments on time and decided to pay the balance off early because I wanted to make another purchase. Thinking I had sufficient credit I proceeded with my new purchase only to find out it was declined. Knowing I had more then enough credit to make the purchase I contacted Flexiti. They told me my account was on hold pending my payment to clear. I asked why was that the case when my credit limit available was much more than I needed. They couldn't give me a straight answer on when it will available to use. I gave jt the weekend and called them back to see if they could tell ne when the hold will be released. I mentioned on how I logged into my account and it said that my full available credit was there along with a overpayment. They then informed that my account was closed due to bad payment history meanwhile I have everything paid off in 8 months when I had 1 year to pay it. I don't agree with the way they handled this and I'm concerned that this may affect my credit when in deed I had it paid in full months before the designated time. I would like a apology from them. My over payment sent to me and my account reinstated.

This is a terrible company. I've had nothing but problems dealing with the Customer Service department. The representatives either speak over you or in a very condescending way, or are not consistent with their policies and procedures. It took a full 6 months to have a new card issued after a legal name change on my Flexiti account, then they got the spelling wrong on the new card. So I had to call them again, wait on hold forever, then speak with a very unpleasant woman who was condescending and continually spoke over me. They insisted that in order to get a new card issued they had to change my numbers, which isn't true because they had already issued me a 2nd card with the same numbers (the one that took 6 months to receive). They deactivated my account numbers without my authorization and went ahead with an action to change my account without my consent. I have had unpleasant interactions with representatives in the past where they were unprofessional and lacking knowledge of their product and services offered. I felt like I was speaking with a child working off a cell phone in their parent's basement. As a financial company I would expect professionalism and knowledge of product at the bare minimum.

I had 3 calls today alone 2 phone call and 1 pass on...and how they do it to make it look like 1 call for they pass the call to another 2 person *** . They refused to send me my statement they order me to put *** on my computer with me even when i said it wont wont with my computer then they yell at me for not paying bill i said how im i not paying my bill when you do direct deposit & if i have extra money i will send it,,, They said they started taking 2 payments a month instead of 1 with out my permission seeing the agreement is on for the original amount they phone and send me letter for a 2nd payment and are mean,. and ever time you ask for a manager or supervisor they wont give one just another associate they wont give you one or a phone number to call one.

Flexiti is a terrible company to deal with. Cancelling 3 seperate cards that were bought out by Flexiti in 2018. Card were from 2016 and 2018.

Application for the original card was made with *** services 5 and 3 years ago. All approved. Original Companies were ***, *** and ***

Just purchased a TV end of June . Did it on 3 month payment plan. Paid $700 for TV upfront and had rest of television on flexiti (about $400). Just received first statement and there is a $24.99 "annual fee".

I received the new cards (when flexiti purchased ***) in 2018. I received NO new cardholder agreement and was told they were the same as the original cards.

I called Flexiti and they told me they do not send out cardholder agreements as you get them when you apply. *** I did not apply with them, I applied with *** years ago THROUGH the stores. I was told that the "annual fee" is a one time charge that gets activated when you use the card and on its annual date. That is terrible for small ticket items paid off quickly. If you take $400 financed on the card and get an instant fee of $25 that the equivalent of a very high interest rate.

Will be cancelling all $22,000 available credit in Flexiti and never looking back. They are a predatory company and I am sure some less-savy folks get caught up in their .

I bought a sofa & love seat from a very respected furniture store in the Fall of 2021. I could have just paid for it but the salesman told me that if I open a Flexiti Account I could get it now and not pay for a year with no interest. I had taken advantage of this a few times at *** - they were honest and true to their word and I was pleased with my purchase. Flexiti is a different story. My first statement arrived online nine days after delivery of the furniture. It posted an "Administration fee" of $79.99 and a "Fees and Interest Charged" of $61.52. What the "Fees and Interest charge" is for I can't say but I'm assuming it is nothing more than a money grab. I started making payments of $100 monthly just to chip away at the bill, but today took a look at the account and wondered why with 4 payments of $100 the outstanding balance was only $77 less than it was initially. I looked further at the transactions and saw that I was paying monthly for "Defender Premium". It turns out that they automatically enrol you with an insurance company and to cancel it I'd have to write them and request it. Even if I'd have done that they don't refund any charges they've already applied so they get some money out of you the instant you open an account. I paid them $59.89, $60.44, $60.99 and $61.52 respectively.

So today I paid off this account in full and I'll of course be cancelling it the instant they receive the payment. Flexiti is disgusting and I'm not very happy with the furniture store either as I have always thought well of them. ***. If Flexiti responds to this entry I assure you it will just be a lot of sugar coated crap like I've seen them sprinkle on the other entries.

All of the reviews tried to warn me. They stated in bold, heavy lettering that this card was a complete waste of time, and they could not be more right. I had a sick feeling in my gut that turned out to be bang on. My card arrives with a $3,000 limit. Weirdness number one is the fact that most of the merchants (and there are only a handful of furniture, jewellery and electronic stores) will not allow you to use the card online so in the midst of pandemic recovery, you have to go to the store for in-person shopping. That should have been enough to deter me but the idea of having a little extra cash this time of year enticed me and I charged ahead to the one store from their list of merchants *** that I enjoy shopping with. Cautiously I approach the cashier prior to shopping around to confirm that the Flexiti card is accepted as there is no sighnage to support this brand. They assure me they do. Surprised and prematurely confident I do my shopping and go back to the same cashier with my $250 worth of purchases. After ringing it all through, and a line-up behind me, they process my payment insisting that the terms are payment is due immediately, that with my card there are no options to pay in 3 or 6 or 12 months like the card boasts. Surprised I confirm that I cannot use the Flexiti card as my method of payment? That is correct sir. Then what is the *** point of having a card with a $3,000 limit if I cannot use it for credit purposes? So even with a zero balance owing, I cannot use Flexiti to pay with, I must use another method of payment. I call Flexiti and their response was that ***, among other stores that accept Flexiti (like People's jewelers) don't have a promotion going on with Flexiti which means that payment is due IMMEDIATELY. And both *** and *** are both featured as the preferred places to shop on the Flexiti website. ***. No good comes from having this card, only stress and your time wasted. Needlesss to say I cancelled the *** card.

. I have 3 things on my account two under a no payment no interest and 1 that was 3 equal payments Totalling $500 I paid $625 before the deadline thinking they would pay it off and push the excess to my other no payment no interest accounts. Instead to my surprise a month later all on one day I receive 4 interest charges to my account 1 for $1, $6, $230, then a final same day of $430, no label to why or what it was for just all under interest charge. I phone them the guy says I didn't pay according to the agreement so they charged interest which that account was paid 23days ahead of final due date and overpaid by $125. ***. He puts me on hold, then comes back and says he talked to client care and they agreed to reimburse my $670 in interest payments and reset my no interest no payments which apparently were faulted somehow even though they aren't due till the end of this year. A month later I get another $115 interest charge and go through all the same things on the phone minus the laughing at me to hear, well the reverse charges etc have to go through approval and it hasn't been finished yet. Even So now again I'm waiting another month to find out what happens and if these interest charges on my account for items that were already paid off and items that are still under no pay no interest actually get fixed. I will never be dealing with this company again and I advise anyone who is looking at these guys as an option to excessive extreme caution and advise to choose another option. Also this is just a summary of what I went through doesn't include how they talked to me the attitude they used, the lack of care for my concerns and treated me like I'm stupid for asking and not understanding where my money is going or why these Interest charges are appearing, The only answer I received from them was "because my one item on my account was 3 equal payments and I over paid earlier then the due date they put the whole payment I paid onto my other no payment no interest accounts (which kind you still show as no payments made) which then still put that payment in arrears which allowed them to void all of my contracts and charge me continually for interest on all accounts and continue to do so until I pay the entirety of all accounts off at the same time.

You have a purchase of $2,600.- gets 18 months interest free contract for $143,- a month. unfortunate you missed the first 3 payments. I understand You have a 450,- balance.

I decide to pay $1850,- because of a positive tax refund. remaining interest free balance for the remaining 15 months should be $415,- So I was assuming that I was good till January 2024. I did not paid the remaining balance till Feb 2024. Flexiti somehow want you to pay the remaining 3 months right away in May June and July from 2023 and so I accumulated in my an unfair interest dept. I was 9 months in advance with my payments.

This is not correct. The contract stated 18 months to pay the full price and now because of a lump sum it was brought back to 9 months.

Hello, I purchased appliances from a store with loan approved by flexiti, we were supposed to pay before 6th dec2023 for the stuff we bought and we did payment around 4 dec that was updated in my flextiti account too But the problem now comes they gave us insurance that we were never aware of and the amount was around 1400$ like why would a person buy insurance for amount of 8000$ appliances. I made a call to flexi and my insurance company both but they are not ready to listen and disconnecting the phon by telling you need to pay. Just about a day ago they send us interest rate amounting to around 3300$ and around 800$ for the insurance. IT will be great if we are not charged anything for the services we were never aware of or used for

I called today at 12:36 pm eastern time and a french representative named Lucy answered my call. She was rude and started screaming at me when I told her that I don’t understand the interest charges over my monthly payments. I asked her politely to explain again why I have to pay a big amount and she decided to scream at me, rude and arrogant. She even hung up the phone on me.

I purchased a tv with there card great awesome

I have never missed a payment with them ever

My interest started at 36 something g now the more I been paying off the more interest I’m getting charged to pay

I have had my tv for 4 months and only paid 100 dollars towards it that’s 4 dollars more in interest I’m paying on a lower amount of the tv this company are nothing but crooks and I will be getting a lawyer involved if they don’t fix this asap

False information is being sent to customers in regards to balances owing. Flexiti sends statements declaring a $0 balance owing unless you log into their website to confirm actual statement balances owing with "deferred interest". This company practices false advertising to their customers and collect their profits from interest accumlated at 30% I didn't receive any notice that I owed anything until the past due date of agreed payment. I could have made that payment in full if I was notified properly! I tried to reason with a representative to no avail. Please make this company be more transparent and upfront with their statements and balances.

I purchased earrings from People in 2023 the associate offered the credit card and I was approved. She said don’t pay for 1 year no interest and interest will only be charged after 1 year. I logged into their portal once. I got email statements or a brief statement indicating no payments. I got August 14 indicating no amount due Sep 1 and now it’s Sep 14 and I owe the original purchase amount plus interest for a year. I called them and they said nothing they can do. I do not think this is fair. Why make their email statements deceiving and they have an unfriendly portal, hard to navigate, log in and poor customer service. My interest is 1000$ plus. Additionally one of the managers disconnected my call. They said to contact Peoples is it my responsibility to train the staff correctly ? Never again will I use or refer this credit card company. Looking for a fair resolution. The manager said will the amount is owed, I never said I’m not paying. I’m disputing the interest amount.

I bought a tv 3 months ago from vision and I got approved for a Flexiti card

Well it’s now 3 months later and I only paid 31 dollars towards my tv getting charged 36-39 dollars a month on a 68 dollar payment that’s crazy if you ask me good thing I never referred them to anyone nothing but a huge rip off I’ll be paying this tv till I’m 75 at this rated do not recommend at -10 and will be cancelling this joke of a card once my tv is paid screw them worst then the Canadian government

I was a victim of a fraudster who took money of my banking account and credited it to a flexiti credit card. Upon talking to flexiti customer care and its fraud team, they informed me and my bank that the credit card holder impersonated someone else and had acquired the flexiti credit card.

The incident was reported to the flexiti team on the next day from my bank and sent the recovery notice via email to bring the unauthorized transaction. But despite that flexiti came with an answer the amount cannot be reversed as there is nothing left if the credit card to be recovered.

I was pre-approved 2 years ago for 2500.00 thru flexiti financial which I went thru a merchant thru them furniture depot I paid out of my own pocket for the first payment to be taken care of before arriving 6 months later no furniture or contact.so I cancelled it thru furniture depot but flexiti got collections on me I fought it thru equifax and won now furniture depot is trying to get collections on me PGA group...I ve had enough and my credit is already being worked on but this issue keeps sending it down worse.I feel ignored and robbed and nobody acknowledged me thru flexiti they ignored me abd threatened me and sent me to collections.

I purchased some furniture at The Brick in April 2023 and was given the option of financing through Flexiti for a period of 3 months free , the 4th month I was to pay however I was not receiving any statements for 2 months straight I was hence delayed by 16days. I immediately made the payment of $742.75 and sent the proof however, they said they would still charge the differential fee of $59.99. As a customer I kept requesting to waive out of goodwill as I honestly received no statement and have never defaulted on my payment but it seemed I was to be blamed for not receiving notifications from them. I received notifications for May & June but not july and august I some what feel the company does this on purpose to make money. I am also facing a situation where I have a family member hospitalized who is dying and cannot manage to chase companies when I have signed up for a service I expect prompt communication.

This is my first bad experience with a financial company. No customer service at all. Just a bunch of people not willing to hear you out and saying they can do nothing to help when they can just waive the fee.

I do not understand how the company expects to earn customers when they are unable to provide a decent service. I would never use this service again despite paying on time and being 16days late according to them I need to pay $60. Buying furniture cost me an extra meal at a fancy restuarant.

I purchased some furniture and appliances at The Brick in November 2021 and was given the option of financing through Flexiti. Now I was very comfortable with that since I use that option at a couple of other places too and very successfully.

Their system of approval was online so I was approved immediately in a few steps. I understood the amount and my EPP for 36 months and then started paying monthly. I was told if I missed 2 payments in 12 months my 0% interest rate would cease to exist and I "MAY BE charged a higher amount".

Then on I have been receiving 2 emails a month from them -

1) Your statement is ready to view.

2) Thank you for your payment.

I have to say here - the portal is really not friendly nor useful - you can log in only 2 out of 10 times otherwise there are technical issues so honestly I did not check the portal too often.

In June 2023 I was checking all my credit statuses since I was due for a mortgage renewal and I realized when I was able to log in -

That since August 2022 I have been paying 40% interest to Flexiti for 10 months!

When I called them - they said there were 2 late payments by a few days in April and August of 2022 and so it is a valid thing.

There were no communications. To date no reminders. No calls. No information. I was told I should have read my terms and conditions better and checked my portal more regularly.

Who goes from 0% to 40% without any information? They can send me 2 emails a month but not a single communication on that kind of interest change? I feel cheated and very very disappointed. I have paid regularly and now more than $2000 in interest only and I am told nothing can be done about it!

I am hoping someone here can intervene and negotiate for me. I cannot afford these charges at all. I am mentally very very disturbed and upset.

Please note I manage credit with 5 other companies too and very successfully. This is my first bad experience with a financial company. No customer service at all. Just a bunch of people saying - too bad! Read your terms and conditions?

I purchased a ring to propose my girlfriend in May 2022 using the 0% interest promotional plan by Flexiti. I made sure to autopay the total amount in installments every month before the due date with the last payment going out on April 27th, 2023 of CA$333.33. Unfortunately after diligently paying CA$333.33 for 12 months there was still an amount of CA$0.04 that was pending on the account after the last payment. I was charged an interest of $863 on May 4th because there was 4 cents pending on my account. There was no reminder from Flexiti notifying the promotional period end date nearing nor was there any notification about the interest being charged because of the pending amount of 4 cents. On top of that the promotional period ended before the statement was issued so the only notification I received was that the interest was charged.

Flexiti charged me because a massive interest on the 0.001% of the total amount that was unpaid. And they are sticking to their guns and making sure my concern is not heard because of a technicality in their T&C. There is not even a thing you can buy in 4 cents these days and they are holding me accountable for not paying the full amount after paying 99.999% of the borrowed amount. Is there anyone that can help me with this situation?

My account is in good standing and always paid on time.

I had to contact them twice since my purchase in November regarding unnecessary interest charges, which they repaid back to me. How many people do they do this to?

My due dates have been between the 2nd and 4th of every month. I've setup an automatic payment for the 1st of every month.

Now all of a sudden the due date has been changed to the 31st? I get paid on the 30th/31st of every month. This just seems like another scheme to charge me interest fees on "late payments". I have sent emails, but no response.

Is this how this company works? Cheating customers by charging extra fees?

In August of 2021 my husband went to Peoples Jeweller's to buy me a ring for my 60th birthday. It was a surprise gift for me.

They offered him a credit card where he wouldn't have to pay for 18 months interest free.

In January 2023, it was due so he gave me the information for me to pay as English is his second language and I pay all the bills. So I opened the statement and clearly the statement said on the first page (payment due date Jan 23/23). I paid the whole amount of $3558.77 on January 18, 2023, a few days earlier so the payment arrives in plenty of time. They received the payment on Jan 19, 2023, 4 days before the payment is due.

A few weeks later, my husband receives a call from Opal (who works for their Total Credit Recovery) advising him that he owes 2,088.40 in interest for the whole 18 months. They have been charging interest every month as well since January so now the total is $ 2,259.71. This is so ridiculous.

I called Flexiti for my husband and spoke to Jenie(I believe that is the spelling of her name), they advised me to send them the proof of when it was paid, which I did and said that they would look into this for me. A few days later, I called them and they transferred me to Opal and she insisted that I needed to pay the full amount before January 15, 2023 (not even on the due date) to avoid the interest. The due date on the front page, in big bold writing was not the real due date. That is totally confusing, when any visa or bills need to be paid, you go by the due date to avoid interest.

Opal told me I needed to pay the minimum balance of $ 211.31 to keep the account in good standing and she would look into seeing what she can do for me.

When my husband received this credit card at People's, the only thing that he was told was that the promotion was 18 months no payment, no interest.

They sent my husband a statement clearly showing the due date of January 23, 2023. Their statements are clearly misleading and confusing.

They advised that even when they received the money on January 19th, it was still considered late. The due date was not the real due date. If Jan 23rd wasn't the due date, then why did it show on their statement?

I started looking up this company Flexiti, I have noticed that there are many cases like mine.

My husband and I have always been very diligent in paying our bills, I pay our visa every month and never incur interest charges because its always paid on time. My husband has not been sleeping because of this. He tried to do something nice for me, Please help us to resolve this.

Date of transaction 21/08 (item was tv and total I suppose to pay is $3000 to this business) I did paid this business two times on following date: 30/08/2022&25/10/2022 The amount was $35&$90 and please note that $35 I paid for annual fee. Business did commitment of 18 months No interest No payment (In other words flexiti not gonna charge me any interest and there is no requirement of minimum payments). Dispute is that somehow this business is started charging me interest that I don't even know until I got call from flexiti customer representative that they already charged me for $1407 for interest only. When I ask the reason from them they told me I'm enrolled in some insurance service in the flexiti and I missed that payment so that's why my deal or promotion is no longer active which is 18 months No interest No payment. Main Point to be noted that I did not add any of the insurance on my account I don't have any idea it seems like they are charging *** me. Again I did not add any insurance. So according to the commitment period i still have time till 21February,2023. So please make a settlement for me I just want to pay the principle amount which i suppose to pay within the above mention period as per commitment. I talked to business supervisor she did some settlements for me that after hearing me . Settlements are she gonna deduct $300 from interest amount which is $1407 and she gonna give me some extension on due date. Due date which is 25/10/2022 after extension as she committed 1/11/2022. I talked to her on 21/10/2022 but till now nothing is reflected on my account as she committed. Please do something for me . I hope I explained the situation in best possible way thanks Flexiti account number:

I purchased a bed from *** and opened up a creditcard to get a free delivery on my bed and set up. I thought it was gonna be a "***". Turns out it was a company called Flexity. Because of my delivery going wrong *** gave me a credit to the card I made the purchase on. I only opened the account to get the delivery discount. If called flexity on a number of occasions, reached out to my Federal Member of Parliament about issue 5 times with no assistance from his staff. ***, I even wrote ***. A credit card company should not be allowed to keep your money and keep your account open when you want to close your account! Praying you can help me get the balance of my money back. It is very odd but flexity is requesting more personal information to refund me. Correct. Want personal bank transit information in order to give me a refund or void cheque. BUY THEY WONT MAIL ME A CHEQUE FOR WHAT THEY OWE ME. THEY Have my email and they have my mailing address. All I'm asking is for a check Or an e-transfer to My email account which they have on file and keep sending me statements showing my credit. It is very minimal it's $101.69. But a lot to me! If I owed them $101.69 they'd be charging me interest. Help me get my money as soon as possible. Not providing personal banking and print transit information like they were requesting. I have had credit balances before on *** and *** that has never been a problem for them to mail me a check. In fact I did have a *** just last year and they change their financial provider last year. The credit on my account was issued to me in a check. Flexity seems to be wanting to seek personal information and taking advantage of the fact that they owe me money. My card number ends in ***.

Account # XXXX XXXX XXXX XXXX. I bought a camera and lens at *** ($4,428.99 including taxes and the admin fee). The retailer told me about the no-no for 6 months and the admin fee $59.99 - which I agreed to. A few days later I decided I wanted a higher end lens - returned the original lens and purchased another lens (an additional $391.94). Again a few days later I checked my account on line and discovered that I had been charged the admin fee again. The rep I spoke to at Flexiti was not able to answer my questions about the charge but said that she made notes on my account (for investigation) and that if I called the following week someone should be able to help me resolve. I called Flexiti and the person I spoke to saw the notes but was not able to resolve the issue (above her pay grade). I then asked to speak with a manager, I was on hold for approx 50 mins - no one ever picked up to help so I hung up. My complaint is the communication process and the cardholder agreement that seems to be unclear & contradictory in places. In my opinion I should have not been charged the admin fee twice. Flexiti Reps told me the charge was by the retailer - not true according to retailer and turns out I should have been notified of the 2nd charge by the retailer but speaking with them at length they just got a small binder, no training, and had to figure it out on their own - they had no idea I would be charged again. In fact the senior sales person at *** said I was the first client he had processed. I will go to the retailer to relay my experience with Flexiti but thought I'd try through you 1st. BTW I sent an email last week through their web portal but never got a response. I would like the 2nd admin fee reimbursed. Thank you

Flexiti and *** Dispute To whom it may concern: On October 27, I applied for a Flexiti account at *** in Park Royal (North Vancouver. At that point, I was told I was approved for $5,000.00 CAD total credit which I used in full to purchase my sectional. I was told it was 3 years of credit with zero interest rate, for which I have been paying $138.00 CAD each month and all are supposed to be going towards the principal amount as there should be no monthly interest within those 36 months. On February 11 2022 I received an email from Flexityi stating that I was late paying $218.22 CAD on monthly payments for another purchase of $2,682.00 CAD made on January 27, 2022. I never made such a purchase, but I still called Flexiti as I was confused and they said that my purchases now had a monthly interest charge of 31% on 50% of all charges made and the other 50% of charges is zero interest rate. On February 12, 2022, I went in person to *** in Park Royal (North Vancouver) and spoke with *** from the financial department who confirmed that there was no transaction made by me recorded on their store's system on January 27, 2022. I need both Flexity and *** to correct this mistake immediately as this is causing me stress and can affect my credit score. I will not pay for something I did not purchase. It is also impossible to use more credit than what I was approved for. I also want Flexiti to clarify why there are interest rate charges now showing on my original statement from the $5,000.00 CAD purchase that I did on October 27th/ 2021 as it is supposed to be a zero interest rate for 36 months. I need confirmation in writing that all the made-up charges will be dropped immediately as well as any interest rate in my $5,000.00 CAD purchase.