What is the most common complaint against Flexible Finance, Inc.?

The most common issue consumers report about Flexible Finance, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 39 complaints filed with the CFPB.

Are complaints against Flexible Finance, Inc. increasing or decreasing?

Complaints against Flexible Finance, Inc. are rising. The company received 16 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Flexible Finance, Inc.'s reputation grade?

Flexible Finance, Inc. has a reputation grade of D (score: 54.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Flexible Finance, Inc. respond to consumer complaints?

Flexible Finance, Inc. has a 100% timely response rate to CFPB complaints.

In how many states does Flexible Finance, Inc. operate?

Flexible Finance, Inc. has received CFPB complaints from consumers in 14 states, with the most complaints from Texas (16 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Flexible Finance, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 14 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

17
Took or threatened to take negative or legal action

8
Written notification about debt

6
False statements or representation

5
Electronic communications

2
Threatened to contact someone or share information improperly

1

Data updated September 2026

CFPB complaint disposition

CCDB record flexible-finance-inc Flexible Finance, Inc.

Grade D · 39 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #1359 · compose #3382

VOL 39
GRADE D
12MO 16
STATES 14
TIMELY 100%
ISSUE Attempts to collect debt n…
RANK #1,359
COMPOSE #3,382

Volume peers

Nearest volume peer: Accurate Financial Partners (39 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Flexible Finance, Inc.'s 39 CFPB complaints sit next to Accurate Financial Partners on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

41.0% of Flexible Finance, Inc.'s CFPB filings land in Texas

High volume does not equal a clean composite: Flexible Finance, Inc. is volume #1,359 but composite #3,382, while Texas dominates the geography. Corpus placement method.

Dominant state: Texas 41.0%; 16 of 39 filings · 14 states touched
Seasonal peak: 2026-01 9.1%; 8–15% band · 8 filings
Divergent corpus ranks: #1,359 volume; #3,382 composite; Cleanest-composite ladder is 2,023 places worse than volume

How does Flexible Finance, Inc. compare to its peers?

How does Flexible Finance, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Flexible Finance, Inc. National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

79%

91%

Consumer-dispute ratelower is better

12%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-02 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	17
Took or threatened to take negative or legal action	8
Written notification about debt	6
False statements or representation	5
Electronic communications	2
Threatened to contact someone or share information improperly	1

Where do complaints against Flexible Finance, Inc. come from?

Flexible Finance, Inc.'s own per-state count, not a national baseline.

Texas

16
Georgia

4
Alabama

3
North Carolina

3
Florida

2
Michigan

2
Virginia

2
Arizona

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Flexible Finance, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 39.

4 peers

Know your rights before responding to Flexible Finance, Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.