FlexShopper, Inc CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
01/28/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	DE 19973	Web
On XX/XX/XXXX, I revoked ACH and Debit Card Authorization for Payment on my Flex Shopper Account. On XX/XX/XXXX, I received notification from Flex Shopper stating I would have to call them regarding that matter- which I did. On XX/XX/XXXX, I received a Text from Flex Shopper stating they attempted to receive payment from my Checking Account unsuccessfully. I emailed them again, stating I had revoke authorization so an attempt to collect payment from that account shouldn't have been attempted. On, Flex Shopper took payments totaling {$12.00} from my other Check Account ( which I revoked ACH and Debit Card Authorization as well ). I contacted them on XX/XX/XXXX, confirming that I had revoked ACH and Debit Card Authorization. On XX/XX/XXXX, I received an email stating I would have to call a Representative again- which I did. Lease states that XXXX XXXX has to be done via writing which is why I submitted the emails. All future payments ceased until XX/XX/XXXX. On XX/XX/XXXX, 4 payments totaling {$51.00}. I contacted Flex Shopper via email and phone regarding the transactions since I had revoked authorization. They stated that they would put a ticket in to investigate and stop any additional charges. On XX/XX/XXXX, another payment of {$10.00} was removed from my Account that I had revoked authorization. I called and emailed Flex Shopper once again, to stop any additional payments to be removed and to get the unauthorized amount ( totaling {$62.00} ) be credited back to my account to avoid potential overdrafts. Representative said the payment came outXX/XX/XXXXXX/XX/XXXX because I just submitted the revocation XX/XX/XXXX and I had to give 3 Day Prior Notice. Informed, once again, that I submitted revocation on authorization on XX/XX/XXXX and if I had no prior knowledge of the payment coming out on XX/XX/XXXX or XX/XX/XXXX how could I notify Flex Shopper 3 Days in Advance. I have a meeting with my Bank this afternoon to dispute the charges on my end. When communicating with Flex Shopper, they kept talking in circles. The lease agreement says the XXXX XXXX has to be done via writing but when that is done they request a call and when you call they say the Revocation wasn't submitted in writing. Plus, they're trying to say I revoke authorization on XX/XX/XXXX when I revoked on XX/XX/XXXX. Furthermore, when I asked to speak to a lead supervisor, I was told there wasn't one available but they would send a ticket in which could take several days ( specific dates changed based on who I spoke to from 3 - 10 Days ) and was unwilling to resolve the issue and acknowledge the revocation. Please advise.
11/03/2023	No	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Problem with additional add-on products or services	MS 39206	Web
XX/XX/ RE : Discrepancy and Billing Issues with Flexshopper - Urgent Resolution Required Dear Flexshopper and XXXXXXXX XXXX in XXXX, XXXX XXXX XXXX I am writing to address a concerning issue I have encountered regarding my recent transactions with Flexshopper. I have reached out to your customer service on numerous occasions, both through phone calls and emails, with no satisfactory resolution. The handling of this situation has left me deeply dissatisfied and frustrated. Upon reviewing my bill, I noticed a significant discrepancy. I have attached the invoice from XXXX XXXX in XXXX, Mississippi, dated XX/XX/2023, which clearly shows my purchase with an Invoice Total of {$330.00}. However, Flexshopper 's records indicate a significantly higher amount, which is both inaccurate and unacceptable. Furthermore, my credit has been checked three times for a single bill, which has negatively impacted my credit report. This was caused by an erroneous charge on XX/XX/2023, when I did not receive any service due to the unavailability of the tires at the XXXX, Mississippi XXXX location of XXXX XXXX These issues have caused severe inconvenience and distress. I have made multiple visits to XXXX XXXX in an attempt to rectify this situation, which should not have been necessary in the first place. I believe that this discrepancy, coupled with the impact on my credit, reflects poorly on the professionalism and integrity of your company. I have attached my lease agreement with Flexshopper innpurchasinf tires with XXXXXXXX XXXX XXXXXXXX # : XXXX, as evidence of the actual transaction. I am determined to settle this bill promptly, but I refuse to pay the incorrect amount of {$670.00}. Additionally, I intend to dispute these inaccuracies with all relevant credit bureaus. It is imperative that this matter is handled promptly and efficiently, as it is evident that some individuals within your company are not fulfilling their responsibilities. I request an urgent resolution to this issue, and I hope that this letter will serve as a catalyst for addressing these discrepancies and restoring my faith in your services. Sincerely, Email : XXXX Phone : ( XXXX ) XXXX [ Attachments : Invoice from XXXX XXXX ] CC 'd : * Corporate Office * XXXX XXXX XXXX XXXX XXXX * XXXX, NY XXXX * Customer Service : ( XXXX ) XXXX * XXXX * XXXX * XXXX * XXXX * XXXX * XXXX
04/14/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NY 110XX	Web	Older American
This complaint is in regard to intentional deception and fraud activity by XXXX XXXX XXXX, XXXX XXXX XXXX, NY. XXXX adopted the policy of deceiving and giving false information to the costumers to open credit line with XXXX, while contracting with another debt collector company with 25 % extra hiding fee. On early morning of XX/XX/XXXX I went to XXXX to buy 1 front passenger tire due to bad alignment. When the sales person insisted they have special promotion for 4 tires, eventhough I have replaced them in XXXX. He broke down the number with coupon and added unnecessary items every couple of minutes. During this time I asked about the price he told me more than {$1000.00}, and again he insisted XXXX has it's own plan & I will pay within a year, As it shows on the statement I was going to pay cash, but he asked for my credit /debit card information and business checking information and all the details and put me on the phone with XXXX Credit card center. He got access to my phone to downloads the XXXX App to use it for future payments. He also told me I will receive the statement in 90 days. After almost 6 hours in the store I got the car back. I tried to log into the App within a week for payment without any success. since I haven't received any statement to pay the balance I called the store couple of times to talk to the sale person but he wasn't there. ( I found out he left the company permanently ). I believed XXXX charged my XXXX Card, since I did not received any XXXX credit card. On my XX/XX/XXXX XXXX account statement I noticed weekly withdrawal of {$39.00} from my business account by XXXX XXXX as early as XX/XX/XXXX for over {$1000.00}, and since the balance was less than {$3000.00} I was charged with late fees {$18.00} for several months. Since I didn't recognized the charges I asked the bank to put hold on the payment. Per Bank policy I called XXXX XXXX when I was told they are collection agency for XXXX Tire! and they are charging me 25 % fees. Eventhough there was not any issue of late/ unavailable fund. Since then I'm getting numerous threating text massages as well as phone calls that XXXX XXXX is going to seize their property ( tires )! I have never been informed that I have leased the tires, neither knew the XXXX XXXX. This case damaged my credit report and my business reputation.
07/17/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Money was taken from your account on the wrong day or for the wrong amount	GA 30135	Web
I am writing this complaint in regards of fraud activity going on in my checking account. I went to XXXX XXXX XXXX XXXX on XX/XX/XXXX, at XXXX XXXX XXXX XXXX, GA XXXX. My car needed A LOT of repairs done to it, and the total costing of it was around $ XXXX. The man who fixed my car signed me up to a program called Flexshopper ( also known as FlexTires ). I did not have much of a say whether I want to join this program or not, and the entire transaction and information explained to me was inadequate. The man forge my income when I did not have a job at the time, and suggested that doing weekly payments was acceptable. Once we got to the end of the entire process, to sign my name was typed and not actually in signature form. Fast forward, weeks passed and I see the payments being taken out every Monday. Recently, XX/XX/XXXX they took out the payment and right behind that payment they took money out AGAIN on XX/XX/XXXX. Not sticking with the agreement they went in AGAIN, and took out another payment on XX/XX/XXXX. I went online on a computer browser to check my lease, and it claims that I do not have a lease agreement. When I use the Flextires app it states I have an agreement ; looking closely at the agreement there is errors, my name is not signed, the signature of the company does not look real, and my payment is only suppose to be {$46.00} and some change ( payments do not state they are authorized ). Tried to called the company three times no one answered, sent them two emails no one answered. Went to my bank ( XXXX ) to report a fraud and paid a {$31.00} fee. The fraud department did not do their job and now another payment has been taken out on XX/XX/XXXX. I am XXXX XXXX XXXX, stressed, working extremely hard to pay bills, to go back to college, and so forth. Having someone forge my information, taking out random deductions out of my checking account is infuriating. I have proof of everything I have said in this complaint and I need serious consequences to be handed to this company and XXXX XXXX XXXX XXXX. Also, my car is still messed up, my windshield fluid was completely empty, windshield wipers smudges, alignment not great, breaks are squeaking and creaking A LOT, I could go on. Thank you.
01/08/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	FL 328XX	Web
On XX/XX/2022 I saw an ad from Flexshopper about a XXXX on XXXX. I believe the ad said the same thing I saw on their site ; 90 days same as cash price, with a XXXX on it. Exactly the same device I was looking for but didnt bought because it was still over XXXX dollars most places but this company had it and gave me 90 days to pay XXXX so I thought it was a no brainer. AFTER signing the contract I got an email congratulating the purchase but it had on parentheses the VERY IMPORTANT FACT that as a resident of XXXX, XXXX or XXXX I did not qualify for the 90 days SAC option! What!!!!! You telling me this now?!!! -remember saying to my self-. Went back to the site and CONVENIENTLY for them they DONT have NO OPTION TO CANCEL THE ORDER! My new early purchase option was XXXX dollars!!!?? I then replied the same email with the notice and they responded a day later that I had to refuse delivery or lease would start. I asked them to be diligent on the matter because I work 6 days a week and most likely I wasnt gon na be home. Wrong of me telling them that. Because they dint even responded until after delivery was made. Now, they will NOT HONOR THE 90 days same as cash and only refund me XXXX WEEK ( XXXX ) of the lease but for that I have leave my work and ship the box to themi must fix their own mistake they say they even charging late fees for that week they put on hold the leasing. I told them it must be a scheduled pick up and they wont accept. Just XXXX weeks ago they updated their site that XXXX XXXX and XXXX residents dont qualify for the 90 days SAC option on the site. I have evidence and will upload it to prove that on XX/XX/XXXX their site had the promotion of the 90 days SAC option and on the bottom of their site wasnt the exclusion notice of XXXX residents. Also, the signed agreement I have w them has no mention that as a XXXX resident I am excluded from their promotion. This is bait and switch. Guarantee you am not the only XXXX. Please! Do something!!!
11/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32003	Web	Servicemember
Received a call on XXXX XX/XX/XXXX from an agent from XXXX XXXX XXXX, a debt collector, claiming that I owed {$810.00} for a " Flexshopper '' account that was charged off in XX/XX/XXXX and now owned by a company called XXXX XXXX XXXX. I stated to the agent that the debt was not mine and stated that I needed a debt verification as the agent could not even tell me what address I was living at during the time this debt or account was supposedly applied for. I have not received any documentation from the company other than a standard debt letter which I am also taking action to dispute ( see attached ) and request all documentation on this account such as completed applications forms or promissory notes, emails and email addresses, addresses, phone numbers, names, SSN # s, etc. It is also suspect that out of the blue, a debt collector would try to collect on debt that is at least 3-4 years old ( based on the phone call and letter I received ) as I have never been contacted about this account previously. XXXX XXXX XXXX XXXX reveals very little as I could find any contact information or website for them except that it is a foreign limited liability company and appears to have been incorporated in multiple states throughout the XXXX calendar year. I believe that XXXX XXXX XXXX is running a scam where they may take fraudulent or time barred debt and misrepresent it to debt collectors as " owed '' and debt collectors attempt to collect the debt without confirming the validity of the debt. This an evil practice that preys upon vulnerable people to take what may be the last dollars in their bank account.
06/05/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	GA 30093	Web
I entered into a loan agreement borrowing {$1000.00} under a 90 day same as cash term loan from an agency called FLEXShopper/XXXX. I did not have the cash or personal credit to pay for repairs and tires to keep my car safe and legal in GA. I was presented with a lending option but was not given correct information about the terms and did not understand that the offer was contingent on payment IN FULL by the end of 90 days or I will be subject to XXXX billing my card an Additional 42 Weeks @ {$45.00} a week. This was a surprise to me as I was told when I agreed to the terms that only what remains after 90 days would double. To date, I have paid this company {$520.00}. I currently have a remaining balance of {$470.00} due in full by XX/XX/19 or they will continue to pull money out of my personal account. I am writing today to file a complaint on this company for its predatory lending practices as these types of loans are marketed only to the poor and clearly designed for people indebted long past 90 days. People that do not have access to cash, personal, or store credit are targeted and need protection from these types of lenders and the terms associated with the same as cash loans. It is a type of consumer robbery and should not legal. Misinformation and lack of transparency are deeply embedded in the process. Lastly, FlexShopper 's online interface is terrible and offers the consumer very little information about the consumers spending history. They need to make an improvement and show me where my money is and how it is being applied.
08/30/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	NY 11421	Web	Servicemember
I never requested or submitted an application to XXXX XXXX I never Received a card at my address which lead me to discredit the callers calling about any collections on this account valid. I never Bad established credit or had ever been approved for a credit card until 2019 when I applied For a secured credit card. Prior to this I was Always denied. I never Had a credit card prior to this or to my knowledge was ever given the opportunity. If this collection or debt is valid then it was not done by me and if so it was impossible since I never received any card or evidence by mail it would be physically impossible! I also never received any type of service from FLEX SHOPPER. I have e-mails where I had finally been lead to believe they accepted my situation where I never ordered or received any of their products that had been suggested I ordered Regardless I never Received any such item at my address or I would have refused or returned such items I had No clue of. After Flex shopper conducted their own extent of investigating this they concluded that everything I had told them to be true and would refund this apparent account I had. I assumed that would suffice and that would be the end of it. I had Never heard of the company before and I explained all this to them. They acknowledge this in this emails and here I am Years later still trying to provide my supporting documentation years later to be relieved of these false reports which are unfair but completely inaccurate.
08/31/2023	Yes	Credit card Store credit card	Other features, terms, or problems Problem with customer service	VA 238XX	Web	Older American, Servicemember
XXXX XXXX : XXXX # : XXXX I ordered truck tires from XXXX XXXX. They use Flex shopper as payment agent. When applying application ask how you are paid. I put monthly with hopes of paying monthly payments. Instead, as soon as tires were delivered, I was told the agreement is for weekly payments. I explained because account had been hacked, I was changing banks and as soon as I received the debit card and the new account was funded, I would make weekly payment. I was told after XXXX payments it would go to monthly payments. Then I kept being charged to the old account causing overdraft fees for old account and Flex shopper causing me fees on both accounts. Then I asked that old account be removed from account and my new account not be automatically drafted because this company is generating fees from old account, new account, and the Flex shopper account and never providing statement to alert for over drafts. The fees cost more than weekly rental of merchandise. Keep charging payments. I received the merchandise on XX/XX/2023, and as of XX/XX/XXXX, I have paid XXXX payments of {$45.00} overdraft fees of {$29.00} from old account 3 times and now one payment of {$82.00} and now another payment of {$45.00}. weekly. Plus, I have been blocked out of the account and can not see if any of the payments have been credited to account for tires. I am a service-connected XXXX veteran and all moneys come from department of XXXX XXXX XXXX XXXX and social security.
12/14/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 317XX	Web	Servicemember
I have an installment plan with flexshopper that I have been paying on for quite sometime. I have run into some financial struggles with Covid and have reached out several times for someone to get in touch with me about what options I have. The installments are for anXX/XX/XXXX and a separate super disk for the computer. I am already paying {$1400.00} more for the computer than it is worth and {$65.00} more for the extra disk drive due to the computer not coming standard with one, which the description of the computer doesnt provide. Ive been paying on this computer since XXXX paying out {$1200.00} towards the device already when its cash price is {$1000.00}. I have paid {$82.00} towards the super disk since XXXX which has a cash price of {$130.00}. I have paid enough in on these devices to own them outright and when I have contacted the company several times due to Covid related money issues all they want me to do is call them. I dont have the option to call them and sit on the phone for hours. Ive requested someone to email me with my options and I never get anything other than to call them. Now they are sending me emails telling me they are going to cancel my contract and Ill be required to send both devices back to them. Ive paid enough money on both of these to own them and they just want to threaten to take them back. I dont see how this is fair or reasonable.
08/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 765XX	Web
XXXX XXXX XXXX has a " collection '' on my credit report for the amount of {$1200.00}, from a retailer called " flexshopper ''. This account, created in XX/XX/XXXX, was opened without consent or permission by an ex-girlfriend. I noticed the debt at the end of XXXX, beginning of XXXX. We had since ended the relationship, as she was suffering complications as a result of her XXXX. I attempted to resolve it with her, but she never fulfilled our agreement, paying me {$0.00} total. I never pursued criminal charges, due to her family being close friends with mine, and to settle it civilly would mean I would have to travel to XXXX, costing more than the alleged debt. I've attempted to reach out to XXXX XXXX XXXX on several occasions, as I am willing to take on the debt to clear it from my report, because it has affected employment opportunities, causing me lost opportunities and income. It also affects my buying power for a house. I am about to have my XXXX XXXX, and this will affect her in the long run. I have contacted XXXX XXXX XXXX XXXX and left messages requesting something in writing, or an option on how to pay, yet I have never received one piece of mail/invoice from them. I contacted them nearly every month in XXXX, and XXXX of this year. I have not attempted contact since XXXX, as I moved from XXXX to XXXX.
06/16/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 95112	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are Reporting Inaccurate and Fraudulent Debt Amount on my Credit Report. I reported this to the CRA 's and directly to the company. I requested a Complete Account History of Account Opened, Purchases, and Payment History, necessary to verify legal accurate information. The Account History was not provided and inaccurate information is being reported by company and CRA 's. I authorized Flex Shopper to take monthly payments from my bank account. Flex Shopper took multiple unauthorized payments out of my bank account several times a month causing additional overdraft fees. I had to close my bank account. I called into to pay off remaining balance of {$200.00}. Flex Shopper refused my payment and demanded my bank account information. I tried several times to pay off the {$200.00}. and my payment was refused. Flex Shopper / XXXX XXXX XXXX XXXX are reporting to CRA 's that I owe {$1600.00}. and refuse to provide account history. They are committing acts of fraud and inaccurate reporting they are not being held responsible by CRA 's. A complete Account History must be provided for burden of proof in establishing the Validity of Legal Reporting Accuracy. Submitted Under Oath & Integrity XXXX XXXX XXXX XXXX XXXX
08/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CO 80922	Web	Servicemember
I see an entry on my credit report from XXXX XXXX XXXX in regards to a Collection account past due from Flexshopper LLC. I have never done business with Flexshopper nor have I done business with XXXX XXXX XXXX. Also the address they are saying the person who took the account out lives ate XXXX XXXX XXXX XXXX XXXX FL XXXX. I have never lived at that address. That address on XXXX earth shows up as a hotel not a single family address. I have lived in XXXX XXXX for the pass 10 year and before that I lived in XXXX XXXX. I have no clue why this account is on my recorded unless someone sole my Id. I have tried to call XXXX XXXX XXXX and keep getting directed to leave my phone number and name for them to get back to me. I feel that this complain is a scam and refuse to give them my number. Also when I checked my credit report it showed that I have never payed them any money and now it shows that {$28.00} has been payed. I did not pay them and would not ever pay them. I tried to deal with XXXXXXXXXXXX to have this removed from my credit report and they only come back with Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). I do not understand how they can do this when I have never done any business with ether of the companies in any shape or form.
09/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MN 55347	Web
Received first letter from XXXX XXXX XXXX dated XX/XX/XXXX requesting payment for a debt from original Creditor: FLEXSHOPPER LLC For the amount of $XXXX. this is not my debt and I have had no contact with FLEXSHOPPER. I then sent within 30 days a letter to them stating that this is not my debt. #1-I asked for full name and mailing address from the original creditor for alleged debt. #2-i request documentation showing you have information that i am responsible for this debt. #3-Documentation showing you are licensed to collect debts in my state. I also asked them to cease trying to collect this debt. I then received a second notice on XXXX XXXX XXXX from a second agency XXXX XXXX for a second attempt to collect on the debt from FLEXSHOPPER LLC. in the amount of $XXXX. I sent a second letter to XXXX within the 30 day period requesting the same information and asking them to cease their attempt at collection on XX/XX/XXXX I received a letter from the XX/XX/XXXX program manager which included a copy of the FLEXXSHOPPER LLC RENTAL-PURCHASE AGREEMENT/LEASE for the alleged debt. The address of the original purchase does not belong to me. The Bank account associated with this clam does not belong to me. THIS IS NOT MY DEBT and i would like this resolved so it does not affect my credit.
11/02/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 79928	Web
I received a call to my job from a gentlemen saying he is from XXXX XXXX - i was unable to find the authenticity of this company. They gave me the number XXXX XXXX XXXX to call and reference claim number XXXX. When i called the company says they are XXXX XXXX - again i try to find this company but find nothing. The agents refused to give me a website. I did acknowledge that the debt was mine but would need an invoice first to verify the company is legit and then I'd pay my balance in the three payments they advised me of. The first agent and then the supervisor i asked for did not want to provide me that information but insisted i give them a credit card first. After telling them i did not feel comfortable giving them a card without verifying who this company is they said i can then wait for XXXX XXXX to find me and give me some paperwork that would lead to further action. I let them know that due to COVID-19 I would not accept any documentation or talk to anybody I don't know and the agent hung up on me. They continue to call me continuously from this XXXX XXXX saying they're going to deliver paperwork but they never show up to my house - seems like a scare tactic to make me pay. I want to work with this company but they do not provide any details to confirm this is not a scam.
09/17/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 317XX	Web
I am currently being harassed by a company named XXXX XXXX about a debt from Flexshopper. I have what they called an independent investigator threatening both myself and my mother, saying he is coming onto my property. I called the company to talk on XX/XX/XXXX and had a talk with the account manager, who I realized was the same person threatening to come to my home. The next number my cell phone starts calling at XXXX XXXX. I answer the phone and I the same man who I spoke with started yelling at me, asking me for {$2000.00} and that he will be at my house within 5 minutes. He also started asking to speak to my mother and called her by name.He continued to call but would not say anything after I advised that I am recording all calls. He continued to call my phone from a private number and as of XXXX XXXX on XX/XX/XXXX, he has called 25 times which has be and my mother with high anxiety. I know that it is him because you can hear his kids playing in the background on every call while he remains silent. I need this harassment to stop, my mom is elderly and upset and is threatening to shoot anyone that comes on our property
10/06/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	WA 982XX	Web	Servicemember
Company called and left threatening voicemails saying they were going to take me to court over a debt i was unaware of at the time and they called family members and my employer. While speaking to my employer they asked what the procedure is for cops to come arrest me at the workplace. After that i got in contact with them and they said I owed an ammount of approx XXXX for a debt from 2016, I assumed the debt and payed off a negotiated ammount. Now, weeks later, they start calling family members again and leaving voicmails of threats to locate me and sue me for " intentionally defrauding a financial institute '' when I spoke to them now all of a sudden theres a " 2nd '' account that wasnt mentioned before and i owe another approx XXXX for reasons unknown to me and seemingly unverifiable by them. When asked repeatedly what their company name is I finally got XXXX from the representative. They called from various numbers and the contact number is ( XXXX ) XXXX they never answer with a company name just their personal name.
06/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28081	Web	Servicemember
Flexshopper charged me for items that I DID NOT order and expected me to pay with an insanely high interest rate and shipping cost. They would not believe me that I did not order these products. Total scam and they said that what I did order would be repo 'd and they would be sending " large '' men " in my area '' to come get them and I better have it all ready. I am not a small lady, nearly XXXX ft, but I am no match for the goons they were threatening me with. I was totally fine with returning and relinquishing those products to them though. Also happy for them to prepay shipping back, but I told them I could not prepay and they could take it out of my refund. They would not work with me. Anyway the " goons '' never showed up and this overinflated debt has been on my credit for at least a decade now. They would harrass me for at least 3 or 4 years and I tried to work with them. I got so depressed and felt like a theif, but I did not even have half of the merchandise they accused me of having.
10/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 49015	Web
Flexshopper has been calling me for over a year. I have already filed a XXXX complaint and gave them the FTC identity theft documents and demanded they no longer contact me. they call me an upwards of 5-10 times a day with different caller id 's, I block the number and somehow they get through the block. their reply to the XXXX was " it was delivered so she's responsible '' I have NEVER ordered anything from this company, apparently they shipped out some exercise stuff without signature or id verification and some how that's my fault? I don't know who they are, or what they are. it has gotten to the point where I just make animal sounds into the phone when they call, as they obviously have no idea what DO NOT CALL means and ITS NOT MY ACCOUNT. my next step after the CFPB is to sue, for XXXX per FDCPA violation, and since i have LOGGED 500+ calls from them. I've added phone logs, because they told the XXXX they only call once a day and don't use other caller ids to get through.
05/26/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	MA 015XX	Web
I owe about XXXX before interest on a loan for audio equipment I got a 3 years ago. They have been calling my relatives saying they will show up. I called my sister and she gave me a number to call so I did. They started to tell me I did credit fraud and a few other things and would of have to pay over a thousand for the fine and interest by the end of the day or I would be sued and serve jail time and a few other things. Pluss I would have to pay the legal fees. I have been at the same address for years and have gotten no letter. I called flex shopper where I got the stuff and they gave me the number of the collector there was no answer I left a message and have yet to get a phone call. The other number continues to call family that I don't even talk to and I know they have my number but they won't call or send anything to me. Just threats. I told them to send the bill and I would make payments they aren't hearing it.
10/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30062	Web
On XX/XX/XXXX I settled a debt with a 3rd party company ( XXXX and XXXX XXXX ) for money I owed to FlexShopper. It was done. Completely settled. Several times this year between XX/XX/XXXX and now I have gotten numerous phone calls and even text messages stating I owe them MORE than the original amount and that I never paid a settlement. I have emailed my letter of payment and spoken to a lot of different workers. I have begged them to update their system and to leave me alone. Today, XX/XX/XXXX I got another text about the debt and once more its more money than I owed. When the debt was settled I originally owed {$500.00}, now they claim I owe {$540.00}. I paid this in settlement and I need them to go away and leave me alone. No one seems to want to listen to me at FlexShopper, even after emailing proof and calling the 3rd party company, so maybe this will work.
09/14/2020	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	MA 02145	Web
Received numerous phone calls from telephone number : XXXX XXXX XXXX to my Father 's personal and private cell phone number which is XXXX from a person named " XXXX '' who would not disclose the company he was representing, I later found out he was a third party delivery person working with a Debt Collection Agency but he failed to explain to my father and to myself the nature of his call. he would aggressively argue with me that he WORKED FOR HIMSELF, he called me slow on multiple occasions, threatened me, and made me feel unsafe.The only bit of information I was able to obtain from him was the phone number of the debt collection agency which is XXXX The man named XXXX at the Agency was Kind, Helpful, Emphatic and Understanding and quickly resolved this matter with me in a way that made me feel safe and understood.
12/10/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30909	Web	Servicemember
XXXX, XXXX, and XXXX the same debt has reopened via XXXX by a company named XXXX XXXX. This has been resolved over lengthy processes costing me money and time. The account claim has been reopened as of XXXX with XXXX XXXX and XXXX for {$380.00}. Additionally, I have reached out to the credit bureaus to remove an address based in New York associated with the fraudulent activity. I have never lived in that state and have already provided all the proof previously for this account. I repeat, this account and address has been addressed 3 times and twice closed for fraudulent activity. I am in the XXXX with a job that this greatly affects and need help to remove this permanently since XXXX XXXX keeps getting new collection agencies to reopen accounts.
05/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44039	Web
My husband and I have been receiving calles from a company claiming to be a debt collector for Flex shopper. We have never had or purchased anything from them. When they started calling they were asking for my husband. He answered and when they ask him hiss birthday and last 4 of his social it didn't match and when they asked him if his birthday was XX/XX/1975 it was my bday and it was also my Social on the account. With his middle name and out last name. We told them this was not opened by us and didn't hear anything for a while. Now they are calling asking for me on his phone and mine. Leaving voice mails and threatening to file criminal charges against me for the debt in XXXX XXXX court. Please help this is very disturbing.
07/20/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IN XXXXX	Web
I am a consumer of the United States and XXXX XXXX XXXX XXXX is a debt collector attempting to collect a debt which falls under the FDCPA. I never gave written consent nor prior consent to XXXX XXXX to contact me at any given time or place as well as never giving them any of my information. The fact that XXXX XXXX has contacted me and also sent me statements to my home and cause my telephone to ring is indetity theft and fraud and a direct violation to title 15 chapter 41. Attached to this complaint is a cease and desist, affidavit of truth stating all the violations and harm XXXX XXXX XXXX XXXX has commited along with an invoice and Exhibits that was sent to the debt collector certified mail and green return slip on XX/XX/2021
10/04/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Problem with additional add-on products or services	IL 60608	Web
This is information I received from the collection agency, Access XXXX XXXX : A checking account was opened under my name through XXXX XXXX Bank. An account was then opened through Flex Shopper LLC ( also known as XXXX XXXX XXXX ). Repairs were made to a vehicle with the Flex Shopper financing. Installment payments were never made. The company is collecting, on behalf of XXXX XXXX, {$3500.00}. The account was opened XX/XX/XXXX. This is information I received from XXXX : An account was opened XX/XX/XXXX ( presumably the date the collection began ). The first date of delinquency reported was XX/XX/XXXX. I have not opened either account. I have never received any correspondence from either company. This is fraud.
06/09/2021	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	NM 88220	Web
Received a call from XXXX that was related to claim # XXXX that was being filed in XXXX XXXX Texas. This was relating to an account from 2017 and this is the first communication i have received from them. The message left on my phone was threatening to contact my employer and supervisor directly to discuss this. I called the # and spoke with them and they said they wanted immediate payment of {$1000.00} to settle or they would proceed with contacting employer. I told them I disputed debt and it was settled in 2017 and they are to stop all communication and also they would violate federal law if they contacted my employer. They didnt care and would not share the name of the company she was calling me from.
06/02/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MS XXXXX	Web	Servicemember
I was charged for the flex shopper insurance plan on product never received they charged me {$4.00} every other week and I called to ask them how can you charge me for warranty on a product you never shipped nor have I ever received it they refused to give me my money and now I owe them {$16.00} for fees for extended warranty on a product never received or delivered they took the money directly out of my bank account and I was not aware of this since I never received the product. You can not charge someone warranty for a product that was never received then refuse to refund money you took for no exchange of merchandise and then put a person in the negative as owing money when they never got your product.
06/01/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MA 01757	Web
Flex Shopper calling 12-15 times per day, everyday for a {$60.00} debt. Calling from various Rhode Island and New York phone numbers. Asking me to confirm information for the debt, when they calling me, so I refuse to give or any payment over the phone, as I cant be guaranteed its not a scam. I told operators numerous times to stop calling and send official mail, if they like to settle claim, they refuse and continue to call many times per day and even putting my work position in jeopardy due to the high calls. i have my phone loggs to prove this harrassment by Flex Shopper & furthur will NEVER do business with them ever again, nor do I recommend anyone i know to do business with them.
03/30/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	GA 30534	Web
I bought tires using flexshopper, I had a house fire XX/XX/XXXX and have been having to live in a hotel waiting on home repairs. I told flexshopper that with the added cost of living in a hotel i could not keep up my payments but when i got back in my house and back on my feet i would get the payments back on track. They told me they would repo my tires and report negatively to all three credit agency 's. They call 5 to 6 times a day, every day. For example XX/XX/XXXX they called at XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. J have asked them to stop and i would contact them when i could start paying again. They call so much I have XXXX XXXX every time my phone rings.
10/18/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	SC 29485	Web	Servicemember
The collection ( XXXX ) company called stated I owed {$1500.00} several times I attempted to tell them this is NOT my account and I pay my debt. Told them to just pull my credit report and you would see the pattern. They first connected me back in early XXXX. On XX/XX/XXXX I filed a police report with the XXXX SC police department ; Officer Report for Incident # XXXX. This company have aggressively and wrongfully harassed me, called my wife, sister and now my daughter. Also, I had a perfect credit score and because of this was denied credit or could not receive the best rate because of the false inquiry on my credit report.
12/31/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	WV 252XX	Web
We ordered about four products from XXXX but we started receiving a lot of calls from companies called afterpaying. prepay and flexshopper wanting to be paid afterpay flex shopper did take money from our checking account after pay refunded is money we never ordered anything from flexshopper but yet they are trying to charge us XXXX dollars a week We did receive some products from XXXX that we did not order and we sent it back we thought we was good until flexshopper started calling every day five times afer we closed our account so what do we do now
08/29/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32926	Web
I have never heard of this flexshopper. I have never ordered from them. My mother did when she was in XXXX XXXX XXXX. But not me havent been in XXXX XXXX yrs. So I want this removed from my credit report bc I keep telling them I have never go the product. I have never ordered from them before. I have already put in last year identity theft bc I seen several of charges from XXXX that wasnt mines and this is the only one who wont come off and I refused to have something under my name and never received anything and especially if Im not in the state
11/03/2023	No	Credit card Store credit card	Fees or interest Problem with fees	FL 33781	Web
I fell I'll from work for XXXX months and while payments lapsed in the bank incurred charges insured with addage of increased charge frequencies in amounts more than arranged while no one honored an agreement of {$37.00} only. However addage charges were {$17.00} in addition to the {$37.00} starting on XX/XX/2023 and after speaking with manager and other customer associates ignorance while continually in excess charging my bank account outside of agreement and exhorbant interest where the balance stays the same is continual is common.
10/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WA 98034	Web
On XX/XX/2021 I contacted XXXX XXXX XXXX And I spoke to XXXX XXXX , she was very professional but did not resolve my problem. This company is reporting me to credit bureaus that I owe them {$790.00} which I never had anything with this company or company they represent ( FLEXSHOPPER ) I informed XXXX that I was victim of a fraud and already emailed her police report and ID to prove my identity. I want XXXX XXXX to fix this issue ASAP, they ruined my credit score by almost 50 points with reporting something that is false.
09/09/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IN 46236	Web
XXXX XXXX failed to send a written notification of the debt that was allegedly owed to FlexShopper. They did not send anything in writing, they keep going back to " we sent it by email. '' I have a right to dispute this debt, this was NOT sent to me in writing. My contract is NOT with XXXX XXXX, it is with FlexShopper. As far as I am concerned this balance has been paid in full since XXXX XXXX paid off what was owed to FlexShopper in an attempt to try and EXTORT money.
02/05/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32003	Web
I have XXXX XXXXXXXX XXXX app on my phone. The other day a pop up appeared asking to block last call. I checked the log and I saw 30-40 instances of a number calling me. I decided to call in back and the first person I spoke was very abusive and hung up on me, all from me asking questions. I called back immediately and spoke with a young lady and her and I were working out this issue. However, this company continued to call me 18 more times after this interaction.
12/14/2023	No	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	TX 75040	Web
Before i signed the lease agreement, on XXXX XXXX, XXXX, I was informed by an agent that I qualified for cash price option in the amount of {$640.00}. Recently, i spoke with numerous other agents and was informed i don't qualify for the cash price because i live in the state of XXXX. It would've been nice to know that before i signed the lease. I'm requesting a refund in the amount of {$710.00} because i was swindled into signing the lease agreement.
02/02/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33578	Web
I cant remember a date but I went to flex shopper online to order a camera and make payments over time..I think it was weekly payments. I order the camera but never received the item. Ive tried many times to resolve this problem with the company speaking to many people. The account is now in collections which it should not be and everyday I receive calls and emails about a debt I do not owe because I never received the item.
02/02/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33578	Web
I cant remember a date but I went to flex shopper online to order a camera and make payments over time..I think it was weekly payments. I order the camera but never received the item. Ive tried many times to resolve this problem with the company speaking to many people. The account is now in collections which it should not be and everyday I receive calls and emails about a debt I do not owe because I never received the item.
02/23/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NC 28117	Web
Company called Flex shopper is constantly charging my credit card unauthorized charges and I keep having to call my bank to dispute. Their reason is that my account is past due. I make payments and did not authorize this company to take payments off of my card automatically. I also requested my card be deleted from their files. I was advised my card information was deleted but this was not factual.
01/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34609	Web
On Wednesday, XX/XX/2022, I sent XXXX XXXX Mail Letter to FlexShopper for the purpose of disputing and validating the debt. There was a problem with their XXXX XXXX Credit Card where the payment was declined and the order needed to be performed again. There is no record that FlexShopper paid for my order using their XXXX XXXX Credit Card, and according to my records I was double billed.
12/02/2023	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 21144	Web
XX/XX/ noticed an entry on my credit report from XXXX XXXX XXXX XXXX for a Flexshopper account in the amount of {$1700.00} XX/XX/ contacted XXXX XXXX XXXX XXXX XXXX phone to request debt validation XX/XX/ mailed a debt validation request to XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/ called XXXX XXXX XXXX XXXX XXXX inquire about letter XX/XX/ still have not received debt validation
09/17/2020	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	PA 19138	Web
XX/XX/XXXX, XXXX was repeatedly phoned on my cell phone and place of work. On XX/XX/XXXX spoke with woman who said she was private investigator hired by company in reference to transaction in XXXX, she was hired to serve papers to me and that she would be speaking to my supervisor to find out my next day of work to know when she could serve me with papers
03/19/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	TN 37303	Web
Today I entered a chat session with a XXXX rep to enquire about the balance on my account because no balance ever appears on the account. I was told that my balance was XXXX. So I made the XXXX payment and immediate was advised that my payoff would be XXXX. No explanation as to why I was told one amount and then added an additional amount once paid.
08/05/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 76011	Web
The Company has been repeating calling me in the morning and at night. They had called me on XX/XX/2023, They called again XX/XX/2023 and so on. The action I took was inform them that they need to stop calling me when im working and or not working. I also informed them that I have a debt collector company that is handling my debt on my behalf.
08/21/2023	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	KS 66605	Web
You had an account with FlexShopper with account number XXXX. As of XX/XX/2023, you owed. {$660.00} Between XX/XX/2023 and today :. You were charged this amount in interest : {$0.00} You were charged this amount in fees : {$0.00} You paid or were credited this amount toward the debt : {$0.00} Total amount of the debt now : {$660.00}
03/20/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NY 149XX	Web
I do have a current contract with the company, FlexShopper, that requires weekly payments. They call on a daily basis, upwards of 10 times per day. They leave automated voicemails and text repeatedly. The debt is not in question, but this is bordering on harassment at this point. Last communication was today XX/XX/23 via text message.
02/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SD 57702	Web
XX/XX/2021 Account was opened with my information while I was incarcerated. I have never used flex shopper Believe it could be a man named XXXX XXXX I think he stole one of my identification cards and possibly a social security card. I had a wallet come up missing about 3 years ago. Would like to press charges if it is him.
10/12/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 219XX	Web
They have an account in collections along with another company with the same account so two separate collections for ONE account is now on my credit report. I have never used XXXX XXXX! I have also NEVER gotten any notice of this BEFORE collections. Two different amounts are showing.
02/16/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TN 37160	Web
The lender refuses to remove bank account information upon request and revocation of authorization. Said was not allowed to remove information till I add more. This isn't how it works. Refused to remove my bank info. XX/XX/2023 at XXXX by phone.
08/31/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95035	Web	Servicemember
This company XXXX XXXX keeps bothering me and harrassing me for a debt they do not even tell me about. When they finally sent a letter I was like I do not owe this. The original company said I did not owe this. Stop harrassing me.
12/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	ME 047XX	Web	Servicemember
I received a bill from XXXX XXXX XXXX for a debt from XXXX XXXX XXXX of which I have never heard of telling me to submit a bogus payment of {$2300.00} from XX/XX/2020.
03/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30032	Web
I have filed bankruptcy for FlexShopper I receive XXXX XXXX calls Daily since XX/XX/2021 from multiple numbers : XXXX XXXX XXXX XXXX XXXX
09/14/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	SC 29720	Web
FlexShopper sold my debt to a collection agency who threatened legal action and to sue me over something that happened over 7 years ago.
02/20/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	IL 60051	Web
They are knownly taking repeated debit transactions more than the amount agreed upon. Stealing money out of my account.
05/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 93036	Web
This isnt my account I never applied or opened a flex shopper account please help remove it
02/04/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	FL 33319	Web

01/03/2024	No	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	IL 60651	Web

04/17/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	NV 89101	Web

04/06/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	FL 33708	Phone

03/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29070	Web

01/27/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	NC 28226	Phone	Servicemember

11/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	WA 98270	Web

09/01/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	GA 31210	Web	Older American

04/28/2022	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	AZ 85139	Web	Servicemember

03/25/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32432	Phone

03/24/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 11106	Web

03/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 02062	Web

02/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AR 72221	Web

02/12/2022	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	AZ 85138	Web

11/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 45417	Web

11/05/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	DE 19962	Referral

10/14/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 44870	Phone	Older American

09/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92124	Web

08/28/2021	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with the interest rate	NY 11356	Web	Servicemember

07/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21212	Web

05/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36105	Web

03/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20902	Web

01/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20902	Web

12/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85138	Web

12/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85138	Web

10/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly		Phone

09/11/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MA 01749	Web

08/05/2020	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	MI 48212	Web