topic Re: Issue with HSN FlexPay in Community Chat

Issue with HSN FlexPay

LexaMom — Sun, 29 Nov 2015 14:50:53 GMT

I get my Andrew Lessman vitamins from HSN on FlexPay every 4 months. This AM I noticed that I was getting really low and checked online to find out that my November shipment was never sent out. Just spend a half hour calling their customer service - and they told me that I had too many Flex Pays outstanding - even tho my credit balance was not maxed out.

Never happened to me before - and why didn't they send out an email. Doesn't make lot of sense to me - since they offer Flex Pay on almost everything. Why limit it?

They are shipping it out asap but I thought everyone should know.

Re: Issue with HSN FlexPay

KYToby — Sun, 29 Nov 2015 14:59:23 GMT

Your credit limit and flex pay limits are two entirely different things.

The credit limit is determine by a separate bank, and you can obviously purchase as much as you want as long as you are within your limit.

HSN limits flex pays, though (as do other shopping channels) based on their own criteria. This is to help reduce fraud and loss which unfortunately happens.

I do sympathize, though. An e-mail notifying you of an issue would have been very helpful and reduced the inconvenience.

Re: Issue with HSN FlexPay

sashamatthews — Sun, 29 Nov 2015 15:04:42 GMT

I had the same thing happen to me, also with a Lessman product. Now, I monitor the AD to make sure it is being shipped.

Re: Issue with HSN FlexPay

LexaMom — Sun, 29 Nov 2015 15:04:51 GMT

They really need to let you know BEFORE you buy something using them - since nowadays flex pays are the default. I really never knew that flex pays were limited. Is this is a stated policy for all the channels? I've never seen it.. but I will find out.

Re: Issue with HSN FlexPay

nomless — Sun, 29 Nov 2015 15:09:08 GMT

How many flex pay orders are allowed?

Re: Issue with HSN FlexPay

dex — Sun, 29 Nov 2015 15:09:47 GMT

it would be helpful if policies were discussed when businesses make their offers...a quick mention of the max amount of flex pays could prevent frustration for shoppers.I thought it was a matter of the max allowed on your credit card too.

Re: Issue with HSN FlexPay

LexaMom — Sun, 29 Nov 2015 15:13:00 GMT

I have no idea.. does anyone know?

Re: Issue with HSN FlexPay

CatsyCline — Sun, 29 Nov 2015 16:04:30 GMT

HSN FlexPay Eligibility Specialists can be reached at 1-800-404-8533. .

Re: Issue with HSN FlexPay

Reba055 — Sun, 29 Nov 2015 16:37:26 GMT

Wow, I'm suprised they haven't cut me off then. I've started using flex pay because I order so much and if there's a return, it's just smaller amounts that I have to worry about. I guess I buy enough to balance mine out.

After Christmas I'm going to cut way back on my spending. How many things do we really need? I've got enough shoes, clothes, jewelry, styling tools/products, kitchen appliances, hangers, lol, and cosmetics and bath products to last forever.

I have been buying a lot gifts lately though.

And today I'm buying the Kitchenaid mixer for me 😳😳

Re: Issue with HSN FlexPay

LexaMom — Sun, 29 Nov 2015 17:20:05 GMT

I've decided, after this shipment, to move my Lessman subscription to his own website. Also going to stop buying so much from HSN and the other channels. I don't like the way they use Flex Pays to sell the product and then count them against you. Amazon sells pretty much the same stuff and they are at least up front with you on their policies.

Re: Issue with HSN FlexPay

elated — Sun, 29 Nov 2015 21:35:28 GMT

I don't understand that policy. I would think that as long as your flex pays are able to be paid each and every month from your account--it makes no sense. I could see if your flex pays were not being paid on a timely basis and then it would be a concern. My easy pays are deducted from my debit card each month. I have never had a problem with QVC. Maybe it is time to reconsider your business with HSN.

Re: Issue with HSN FlexPay

Vickiv — Mon, 30 Nov 2015 14:00:59 GMT

This is one of the reasons I like QVC customer service. They will always solve the problem. I don't buy much from HSN I don't like their CS.

Re: Issue with HSN FlexPay

CrazyDaisy — Mon, 30 Nov 2015 15:41:55 GMT

Are you sure it is a limit on the flex pays and not the limit on your credit card? I believe that while you are not charged for the full amount of the purchase when using flex pay, the credit card company is notified of the full amount. They may be the ones stopping further charges.

Re: Issue with HSN FlexPay

LexaMom — Mon, 30 Nov 2015 16:24:43 GMT

No, I have plenty of available credit on my card. The CS specifically told me that I had too many flex pays.

Re: Issue with HSN FlexPay

CouponQueen — Mon, 30 Nov 2015 16:38:27 GMT

I can see why they would limit the amount of Flex Pays as it is a huge liablity to them ..Easy Pay etc..should be limited..I have read time and time again where people get in over their heads with them. Not that it applies to everybody but they cannot pick and choose so they do a blanket policy.

Especially if funds are limited and tight and a flex payment hits twice in the same month depending on the CC billing cycle..then you hear the complaining about overdraft fees etc.

I think it is a nice tool for purchasing big ticket items that may not work out and you are only out x amount of dollars until the refund..but when you take a fifty dollar item well....

Re: Issue with HSN FlexPay

Lipstickdiva — Mon, 30 Nov 2015 16:38:57 GMT

I had no idea HSN limited the number of items you could have outstanding at one time on flexpay. But it does make sense.

I work for a law firm and we handle a lot of probate. I cannot tell you the number of people who die and have outstanding payments due to all the shopping channels and many times they aren't paid.

Re: Issue with HSN FlexPay

LexaMom — Mon, 30 Nov 2015 17:53:25 GMT

I would agree if they didn't use Flex-Pays as an advertising tool. All they say all day is how you can get it home for a certain price. For QVC, if you use Express to submit an order online, it automatically puts you on Flex-Pays. Either they want them or they don't.

Re: Issue with HSN FlexPay

CatsyCline — Mon, 30 Nov 2015 18:46:54 GMT

Flex pay on HSN is just a way to purchase something without committing to full price.

FlexPay is NOT the default payment option! the default is SINGLE PAYMENT of purchase price!

at times if i wanted flexpay rather than full payment, i had to quit out of an order, and go back and select flexpay

you can always go in and a manage the flexpays. its up to the consumer to evaluate their budget.