Important information
- Customer Complaint:Due to the volume of complaints received, BBB is publishing the details (text) of 50% of complaints as a representative sample.
Complaints
Customer Complaints Summary
- 180 total complaints in the last 3 years.
- 69 complaints closed in the last 12 months.
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Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:25/02/2025
Type:Billing IssuesStatus:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
For the last almost 2 years, I am being called daily on my phone number ************ by this business. They leave me messages saying they are calling from MAC Financial, with a very special offer intended to improve my credit rating, and I should make sure to return the call at ************, extension ***. They never stated what they are calling about, specifically. I want these calls to stop immediately.Business Response
Date: 25/02/2025
We have updated the consumer's contact preferences. No further contact will be made regarding this debt.Customer Answer
Date: 25/02/2025
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.Today I received another call from MAC Financial. Hopefully the calls will stop once they are done removing my number from their list.
Sincerely,
***** ****Initial Complaint
Date:14/02/2025
Type:Billing IssuesStatus:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
This Company has been harassing me and now my work about a debt they bought that is almost 5 years old for credit card debt this is past the statute of limitations in BC. It had been with them over the 2 years (Aug 2022) of limitations as well so it has never been open to them. It is the last blemish on my credit I am trying to deal with. I had to download a credit app just to see the account infoBusiness Response
Date: 14/02/2025
We have updated the consumer's contact preferences. Debts remain on the credit reports for 6 years from date of last activity. We kindly ask that the consumer contact our office so that we can provide some options for settling the debt.Customer Answer
Date: 02/05/2025
I already had a solution from BBB in regards to being contacted by MAC on a debt past statue of limitation just this year, and they have started to contact me again when that wasn’t the resolution from earlier. Prior complaint number ********.Business Response
Date: 05/05/2025
A member of our consumer relations team reached out via email to see whether the consumer wished to pay the account to improve their credit. This debt is still affecting the consumer's credit and cannot be removed unless the debt is paid. The contact was a one time occurrence. We will not contact the consumer again in relation to this debt.Customer Answer
Date: 05/05/2025
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. They did however call me as well as the email, and I would like that noted.
Sincerely,
******* ******Initial Complaint
Date:11/02/2025
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I keep receiving letters verifying my employment status on a debt that is over 8 years old. This is way past the statute of limitations in Canada. I do not wish to be contacted via mail, telephone or email. I do not want them to contact family members or my "employer"Business Response
Date: 14/02/2025
We have updated the consumer's contact preferences. No further contact will be made regarding this debt.Initial Complaint
Date:11/02/2025
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Company is currently trying to collect a debt well over 15yrs old. It was entered on my credit report last summer dated April and March or 2020 and have recently updated this toJuly of 24. This debt is past the statue and should never have appeared on my report. I want it removed and do not want them to contact anymore.In the 6 months since this started they have also added $3000 to the original amount they have been trying to collect which seems way above the legal limitsBusiness Response
Date: 14/02/2025
We have investigated this matter. The delinquency date which we had on file was incorrect. We thank the consumer for bringing this to our attention. We have submitted requests to both ******* and ***** ***** to have the collection item removed. Please reply back to us if either credit bureau is not updated within 10 business days.Initial Complaint
Date:28/01/2025
Type:Billing IssuesStatus:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I keep receiving letters verifying my employment status on a debt that is over 10 years old. This is way past the statute of limitations in Canada. I do not wish to be contacted via mail, telephone or email. I do not want them to contact family members or my "employer"Business Response
Date: 28/01/2025
We have updated the consumer's contact preferences. No further contact will be made regarding this debt.Customer Answer
Date: 28/01/2025
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
****** *********Initial Complaint
Date:20/01/2025
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
These guys have been harassing me about debt they bought that is almost 8 years old credit card debt past the statue of limitations for it. The original debt doesn't even show up on my credit report. I have spoken with Greg from MAC- he is very **** on the phone to me when I do answer I've asked them to stop calling me as it is harrassement. He told me he can do whatever he wants and he isn't scared of me or my lawyers because I don't have any money. His words. If they record their calls you can hear him threaten me. I have asked for all communication to be strictly by mail. Nope MAC calls me daily. I ask that MAC does the proper thing and remove my phone number from their file. And Greg to attend courses on ********** behaviors.Business Response
Date: 20/01/2025
We have updated the consumer's contact preferences. No further contact will be made regarding this debt.Initial Complaint
Date:22/11/2024
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
This Company has been harassing me & my family about a debt they bought that is over a 4 year old for credit card debt past the statue of limitations. They also are harass my Underage daughter's cell phone number every day multiple times. I've warned them to stop calling.. I may be forced to contact Law Enforcement.
**** ****** ** ****** ** *****Business Response
Date: 27/11/2024
We have never spoken to the consumer before. We ask the consumer to confirm how the warnings were delivered to us so that we may look into it. We have updated the consumer's contact preferences for this phone number ending in ****. We ask that he confirm his daughter's phone number so that we may remove it.Customer Answer
Date: 27/11/2024
Complaint: ********
I am rejecting this response because: That is a complete lie, the Number **** is no longer in service yet they still locate another number which doesn't even belong to me which now they want me to confirm... There's no way, *** *** *** **** **** **** **** ****.
Sincerely,
****** *********Initial Complaint
Date:19/11/2024
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
MAC financial purchased my debt from a second party debt collector in 2020 and has since been harassing through threatening letters, multiple daily robo-calls and emails. Multiple attempts have been made to both dispute and settle the debt, all of which MAC is unwilling to work with. Repeated attempts to add the debt to a Debt Management Program have been rejected by MAC Financial, all so they can continue to collect interest rates that appear higher than the legal limit, and damaging my credit, including negatively impacting the ability for my business to obtain credit. Original debt was $200 yet MAC claims it to be over $600 and has refused a settlement of $400 as well as illegally contacted my cellphone, and continued contact after receiving a letter stating my Inability to Pay.
Only acceptable resolution would be for MAC financial to immediately remove the debt from collections status on my credit report and accept a settlement of the debt.Business Response
Date: 19/11/2024
The consumer sent a repayment proposal of $25/month on the full balance. We rejected the offer as it would take 2 years to pay off a $600 account. We cannot update the credit bureau until the account's balance is paid in full. We kindly ask the consumer to pay the balance in full if they wish to have the collection updated on their credit report.Customer Answer
Date: 19/11/2024
Complaint: ********
I am rejecting this response because:
The debt in question was paid to ******** **** in 2018 and has been disputed repeatedly.
Sincerely,
******* *********Update**
The original limit of the card was $200 which they maxed out by claiming the payment was never received. When I had asked it to be closed the balance was zero but I have no idea what ******** **** did after that.
I would appreciate any adjustments and *********** that need to be done
****Business Response
Date: 20/11/2024
We understand that the balance was less in 2018 than it is today. This is due to interest. The debt in question is a credit card with a contractual interest rate in effect. If the consumer has proof that the account was paid off in 2018 then we kindly ask her to send it to us.Business Response
Date: 27/11/2024
The ******** statement shows a payment of $120 in 2018. No other details are included.Customer Answer
Date: 12/12/2024
Complaint: ********
I am rejecting this response because:The balance of the card was paid off in full in store by debit as clearly shown in the provided, which they claimed was never recieved and attempted to raise the balance for non-payment. This clearly shows the payment was made to ******** **** and ******** **** would be responsible for provide copies of proof of payment notifications they received as well as the repeated requests to have the account closed.
As the bank account that was used in 2018 is no longer open I cannot provide further details other than the same copies I sent to ******** **** originally as proof of payment when it was made in 2018.
Sincerely,
******* *******Business Response
Date: 24/12/2024
The ******** statement provided
shows one payment of $120 on May 31, 2018. It shows that there was still a balance of $286.15 as of that day. The last payment received was $60 on
03/07/2019. The last charge was 03/13/2019. No payment has been made since the last charge. The consumer’s credit counsellor accepted our
counter offer of $75/month on a balance of $608.65.Customer Answer
Date: 08/01/2025
Complaint: ********
I am rejecting this response because:No proof has been provided showing that there was any balance remaining after the payment was made, nor was the card used in any way after that time, and would not have been a span of time of over a year between uses.
I have proven that the payment was made and that ******** **** failed to put that payment towards my balance.
The obligation is on ******** **** and MAC Financial to provide proof that there was a remaining balance by way of a dated bill for a date after the last payment was received.
I informed my credit counselor that the payment had been made and the offer was not to be made and thus it was removed by the credit counselor.
Sincerely,
******* *******Business Response
Date: 13/01/2025
We have ******** the statement showing last payment dated March 2019. We have ******** the last 4 statements from June to September 2019. The consumer alleges that there was no activity after 2018. We trust that this puts this argument to rest.Customer Answer
Date: 15/01/2025
Complaint: ********
I am rejecting this response because:I had repeatedly informed ******** **** to block the ****** ***** **** from charging the account, which they did not do. None of the purchases were authorized or performed by me as the account was supposedly blocked from use. All this shows is that ******** **** continued to allow the card to be accessed without authorization and continued to charge interest after the request for the account to be closed had been made in July of 2018.
Sincerely,
******* *******Initial Complaint
Date:07/11/2024
Type:Billing IssuesStatus:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I received a letter at work from MAC financial stating that they have confirmed my employment. I have not received 1 letter at home for any debt that I could possibly owe. Never heard of this company nor had any form of contact with them. I would like this harassment to stopBusiness Response
Date: 19/11/2024
We have updated the consumer's contact preferences. No further contact will be made regarding this debt.Customer Answer
Date: 19/11/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
******* ********Initial Complaint
Date:14/08/2024
Type:Billing IssuesStatus:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Since 2016, Mac financial has been ********* me for my daughter's contact information. If she took out a loan, I had no idea. She put my number down as she had stayed with me briefly for a few months in 2016, but since then we have had no contact.
Every time Mac financial calls, I tell them my daughter does not live here and we do not have a contact number for her, we have been estranged for years. I have been yelled at, ********** and ************ by this company for 8...years... I will be filling a complaint with the Financial Consumer Agency of Canada today, and if I need to take legal action for elderly abuse/harassment, I will.
I am 81 years old, and I have been clear every time that someone calls, my daughter is not here and I do not have any way of contacting her. Half of the time, when they call, they say her name wrong! They don't even know who they are harassing me about. Shameful behaviour, and I will take legal action.Business Response
Date: 26/08/2024
Thank you for bringing this to our attention. We have removed the phone number in question.Customer Answer
Date: 27/08/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
****** ********
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