Total CFPB complaints
100
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 100 complaints
FlexShopper, Inc — Debt Collector Complaint Profile
CFPB complaint profile across 33 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about FlexShopper, Inc
- Attempts to collect debt not owed
Attempts to collect debt not owed
41 complaints
- Communication tactics 13
Communication tactics
13 complaints
- Written notification about debt 12
Written notification about debt
12 complaints
- Took or threatened to take negative or legal action 10
Took or threatened to take negative or legal action
10 complaints
- False statements or representation 6
False statements or representation
6 complaints
D
Grade D · 52.7/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about FlexShopper, Inc?
FlexShopper, Inc has accumulated 100 total CFPB complaints across 33 states, with 24 filed in the most recent 12 months against 76 historical complaints before that window. The trailing-12-month volume represents 24.0% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 98% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 33 states, led by Florida with 14 and Georgia with 8, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 52.7/100 places FlexShopper, Inc in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
24
24.0% of total history
Rising ↑
States active
33
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Reputation grade
D
52.7/100 composite
Response-quality profile
How FlexShopper, Inc performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 58.9%
Share of US states + territories with at least one filed complaint against this collector.
How does FlexShopper, Inc compare to its peers?
FlexShopper, Inc National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2023-02 2025-11
Top Consumer Issues
Attempts to collect debt not owed41 (%)
Communication tactics13 (%)
Written notification about debt12 (%)
False statements or representation6 (%)
Took or threatened to take negative or legal action10 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 18 |
| Attempts to collect debt not owed | Debt was result of identity theft | 15 |
| Communication tactics | Frequent or repeated calls | 10 |
| Written notification about debt | Didn't receive enough information to verify debt | 8 |
| Attempts to collect debt not owed | Debt was paid | 8 |
| False statements or representation | Attempted to collect wrong amount | 6 |
| Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | 5 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 5 |
| Written notification about debt | Didn't receive notice of right to dispute | 4 |
| Communication tactics | Called before 8am or after 9pm | 3 |
Where do complaints against FlexShopper, Inc come from?
The states where consumers have filed the most CFPB complaints against FlexShopper, Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against FlexShopper, Inc
Across 33 states with at least one filing
- Florida
Florida
14 complaints
- Georgia
Georgia
8 complaints
- Texas
Texas
7 complaints
- Maryland 5
Maryland
5 complaints
- Louisiana 5
Louisiana
5 complaints
- New York 5
New York
5 complaints
- Massachusetts 5
Massachusetts
5 complaints
- Ohio 4
Ohio
4 complaints
Frequently Asked Questions
What is the most common complaint against FlexShopper, Inc? ▼
The most common issue consumers report about FlexShopper, Inc is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 100 complaints filed with the CFPB.
Are complaints against FlexShopper, Inc increasing or decreasing? ▼
Complaints against FlexShopper, Inc are rising. The company received 24 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is FlexShopper, Inc's reputation grade? ▼
FlexShopper, Inc has a reputation grade of D (score: 52.7/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does FlexShopper, Inc respond to consumer complaints? ▼
FlexShopper, Inc has a 98% timely response rate to CFPB complaints.
In how many states does FlexShopper, Inc operate? ▼
FlexShopper, Inc has received CFPB complaints from consumers in 33 states, with the most complaints from Florida (14 complaints).
What can I do if FlexShopper, Inc is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If FlexShopper, Inc violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |