I have read so much negative and bad things about FlatIron, formerally Centrix Financial. Their customer service is absolutely awful and when speaking with them they threaten you to cooperate with them (no matter if they are wrong) or they will call your note and ruin your credit. This is just the beginning of their bad behavior.
I myself had set up a deferrment on my account because my wages had been cut in half. I had set this up in July and in order to defer with FlatIron they take a committment for the next month on ACH along with taking 3 additional references (that were not required on application), name and numbers or they won't do it at all for you. So, I had to have help, I complied to all their requests (which seemed really unnecessary) and thought I was going to be okay. Ha! My committment for payment was August 20th. And what do you think happened? Exactly, they are trying to pull money out of my account on July 20th.
This caused overdrafts because there was no money. That is why I set up the deferrment in the first place. This happend twice creating 2 over-draft fees. Flatiron started callling me and harrassing me and not even letting me explain what happened. I had to speak with a super-visor on numerous occasions to try to even get this straight.
After several days of harassing phone calls and stress do to the overdrafts and overdraft fees, FlatIron finally said they made a mistake. I was given incorrect information several times and noone there knows what is going on because they are collectors. They only can read the notes and don't care about you or your account.
So, now I get a phone call from FlatIron on August 16th saying they made an error in the deferrment and that now I owe for that additional month. So now I have a payment coming out on August 20th and they want another payment because of their mistake plus they won't pay the overdraft fees that they created.
I don't understand all this however I just know that this has happened and is happening to other people and it's got to be stopped. Because of the laws of the land some of us end up with companies like this to deal with because of our past. Lord knows we all don't deserve it. I had a lady from FlatIron tell me that is I don't figure out a way to make this extra payment they will just take it from my account anyway.
Sad thing is, that's illegal but they do it. They did the very same thing to a friend of mine and really messed him up bad. He did not authorize a payment and they sent an ACH thru anyway, which as I said is illegal without authorization.
I could go on and on about this company. I am trying very hard to re-finance my car and get away from them however I am upside down in it, meaning I owe more than the car is worth.
These people don't belong to the Better Business Bureau so it's worthless to even bother with wrirting them. However, I have been told to write the attorney general in their state, Colorado. I am writing to them, my friend is writing to them and I am hoping others will read this and write to them about their stories as well. We have to stop these people from hurting us.
Yes, collectors can be awful as we all hear people talk about. Usually there is a reason. However with FlatIron there is not. They are simply terrible and disrespectul, make illegal transactions and don't know what the heck they are doing.
Please, write the attorney general about any problems with FlatIron. It appears that they are doing the same wrong things over and over again and not getting stopped. Let's stop it.
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