Debt collection -- Attempts to collect debt not owed -- Complaint #7257293
Complaint Overview
Complaint ID: 7257293
Company: Flexible Finance, INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Texas
ZIP Code: 75104
Date Received: 2023-07-15T12:00:00-05:00
Date Sent to Company: 2023-07-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This is my 2nd time sending this complaint over .... You all responded the first time saying that you all are aware that i paid my balance in full and have reported that to the credit bureau after my account was closed on XX/XX/2023 .... Well my account was paid in full and closed in XX/XX/2023 and it was removed from my credit report in XX/XX/2023! so how did a NEW account get opened under my name with a balance and placed on my credit report? i never requested that nor did i give my permission to Flex to open up an account under my name! that is fraud!!!! As you can see YOUR agent confirmed that my account was paid and closed by the collections department in XXXX! how after a couple of months did you open it again? and why? Look at the attachments!!! look at the dates!!!! these are your agents confirming my full payments and account closure!! now you are saying it somehow was reopened with a whole new balance? This is unacceptable! Since you are pretending that you are not understanding what i am saying to you all via email ( since that is the only way to communicate with you all ) lets see if you understand a lawsuit!! I should not have to suffer due to you all creating false accounts under my name and attempting to play on my words. That may work for CFPB but that doesnt work on me! you all created a false duplicate account under my name! and your agent confirmed it via email!!!!
Frequently Asked Questions
What is Complaint #7257293 about?
Complaint #7257293 was filed against Flexible Finance, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2023-07-15T12:00:00-05:00.
How did Flexible Finance, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Flexible Finance, INC.?
Yes, visit the Flexible Finance, INC. company profile at readthecomplaint.com/company/flexible-finance-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.