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.
If you've experienced an issue
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:26/01/2024
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.
I received a letter advising that MAC Financial has verified my employment and they would bring legal action on a debt from almost 20 years ago. I am receiving new text messages and phone calls weekly with the amount owing increasing higher and higher with every attempt. The original debt was around $3000 and it is now at $27,374.87 and rising. I am a single mom on disability and I don’t own a home. The statute of limitation has passed on this debt.
Please cease and desist all calls, txts and threats of legal action and any further contact with me.Business Response
Date: 09/02/2024
We have updated the consumer's contact preferences. No further contact will be made to the consumer regarding this debt.Initial Complaint
Date:12/01/2024
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.
This company continues to contact me about a possible debt. All my current debts are under good standing and any debt they may be referencing would be past the statute of limitations on debt collection. Their contact to me is borderline ********** and I want it to stop.
The reference # is ***** and the person who keeps contacting me is ****** ****Business Response
Date: 12/01/2024
We have updated the consumer's contact preferences. No further contact will be made to the consumer regarding this matter.Customer Answer
Date: 12/01/2024
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:02/01/2024
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 bought debt from ******** **** and is trying to collect, by means of harassment, embarrassment, etc.
The statures for debt collection in B.C. the province I live in is 2 years.
The debt they are trying to collect on is way more then 2 years in fact it could be 5-6+ years.
They have contacted my employer.
Texting me daily, calling me daily.
Threatening to take me to court.
MAC Reference # ******
******** **** balance sold to MAC = $3363.99
MAC balance they are trying to collect is $5414.41
I want them to remove me from their collection list, remove any mention of this debt or collection they have posted on ******* or other credit rating services.
I would also like an apology letter from MAC Financial stating this matter is over.Business Response
Date: 11/01/2024
MAC Financial is adhering to all applicable
provincial regulations in this matter. We have never spoken to the consumer. We have updated his contact preferences and no further correspondence
will be sent to him regarding this account. This account is not listed on the consumer’s credit report.Initial Complaint
Date:20/12/2023
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 would like the company to please stop contacting me, my workplace and family members. Kindly stop *** ********** as the statute of limitation has passed on the debt. Please cease and desist all calls and contact with me/my workplace and family members immediately.Business Response
Date: 21/12/2023
We have updated the consumer's contact preferences. No further contact will be made.Customer Answer
Date: 21/12/2023
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:12/12/2023
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.
**** *** ********** ** ***** ***** * **. They are calling the place I worked and sending mail to the there. I now no longer have a job because of them. They text, call and email 10 times a day almost everyday. I have told them many times that when I can pay I will pay but I could barely afford to keep roof over our heads, utilities on and food in the stomachs of my kids. Thanks to them making me lose my job Im doing even worse. I want the ************ to stop, when I can pay anything I willBusiness Response
Date: 12/12/2023
We have updated the consumer's contact preferences.Customer Answer
Date: 12/12/2023
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:29/11/2023
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 calls me multiple times a day from different numbers asking for a person I've never heard of. They leave a pre-recorded voicemail each time they call. Furthermore, they mentioned some of said person's financial information, which is completely unprofessional. I don't know who they are trying to seek, but it's not me. * ****** ** **** ** * **** ** ******Business Response
Date: 01/12/2023
We have updated our records and removed the phone number. **** ** *** * ***** The consumer provided this phone number to ***** ***** last month.Customer Answer
Date: 03/12/2023
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. I have no record of submitting my number to the ***** *****. My information was recently taken from a hacker, so I wonder if perhaps a hacker sent my number in. Thank you for removing my number.
Sincerely,
****** *****Initial Complaint
Date:29/11/2023
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 blown my mind. This lady Lilly has been ********* my phone and previous work. When I picked up the phone she began to belittle me and call me broke over and over again, she also kept telling me I have no money and will amount to nothing. I need some action to be taken and I’m willing to go to court and sue this company for defamation. She should be fired and should never talk to someone like that. She said I have no job and I’ll never have money and that I’m just a broke boy. LEAVE ME ALONEBusiness Response
Date: 01/12/2023
We will investigate this matter further and provide re-training and/or discipline should the matter warrant it. We take these matters very seriously. We also note that there are two sides to every story. Our agents are not to be subjected to verbal abuse. We will look into this and make adjustments to our process should it be warranted.Customer Answer
Date: 01/12/2023
Complaint: ********
I am rejecting this response because: you have not apologized properly, regardless of what the customer said, as a professional business you should not resort to disrespecting the customer, this is not a tit for tat kind of conversation. You should all be ashamed of yourselves for even calling yourself a business. Lilly should never deal with customers ever! And should be let go, I will continue to file a defamation case as you have not satisfied my complaint. You have also not said you will stop contacting me.
Sincerely,
**** ***********Business Response
Date: 04/12/2023
We have updated the consumer's contact preferences and will refrain from contacting him again in the future. We apologize for any inconvenience that this has caused.Initial Complaint
Date:29/11/2023
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.
Nov 2022 went to ********* Loan and took a loan out to payout two **** cards one was with Mac Financial Recovery. ********* made a arrange to payout 4000.00 out of the 4936.18 to settle the account and in the letter I have ******** *** **** *** **** it was settle and they within 5 business day where suppose to report to both Credit Bureaus but they did not instead they have left it now they are phoning me and asking me for the 936.18 and they will send a report to the 2 credit Bureaus and my score will jump up or they will send in letter stating I made a arrangement and that it will go up a little he also told me they left it up so that it would purposely hurt my credit and that they knew I would be calling sooner or later , honestly the things he said to me I was completely dumfounded . 100% that is called extortion. I paid this and account was to be closed and settle but its not. I did phone them and he right out admit that they didn't close it as they want back the 936.18. I told him to hand in the letter and close the account and send the 2 letters to the Credit Bureaus, I gave him 5 days to complete and no this year I was cleaning my credit up from being on WCB for 4 years from a serious accident went to purchase a car and that's how I found out it was still on my credit report. Not happy at all *** **** ******* ** * **** ****** bottom line also phone my work place looking for meBusiness Response
Date: 01/12/2023
The consumer settled their debt on Nov 11, 2022. We closed the account as settled. The consumer phoned us on November 15, 2023
stating that their credit bureau had not been updated. At that time we provided her with the option
of paying the remaining $936.18 of principal balance in order to obtain payment
in full status. She declined the option
and her account remained settled. We have
not phoned the consumer since she settled the debt in 2022. We have since contacted ******* and ***** ***** to find out why her credit report did not update. They confirmed that it is now updated as settled.Initial Complaint
Date:16/11/2023
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 keeps sending me notices about a debt that my daughter allegedly owes for about 600 plus dollars. It pops up from time to time on my cell phone. I don't owe them any money and they have no business coming after me for someone debts. I delete the message and try to prevent it from popping up again by blocking the caller but somehow it manages to get through. It is annoying, but I don't owe them ANY money and they have no business going after me to collect a debt owed by some else.Business Response
Date: 16/11/2023
We have updated the file. We appreciate the clarification.Initial Complaint
Date:14/11/2023
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 received a demanding letter from Mac Financial Recovery dated October 27th, 2023 for REF#****** in the amount of $4.741.04 for a debt that has been over six years with ******** ****. The amount that Mac claims to be owed is far more than what the credit card amount was. I receive daily phone calls from different numbers to both my personal and business numbers *********** legal action against me, garnishment of bank accounts and wages, execution against lands and titles, and registration on debt on my credit bureau. The account has already exceeded the limitations yet on a daily basis I would receive text messages and phone calls with ******* to pay the money back with an increased amount stating interest. It was not showing on my credit report until the matter was sold to Mac in 2018.Business Response
Date: 16/11/2023
The account will not be removed from the consumer’s credit
report until 6 years past the date of delinquency. It has not been 6 years yet. If the consumer wishes to settle the account
we would be happy to discuss this with them. The account is growing with interest due to
the fact that the consumer has not made a payment in over 5 years. We will update the consumer’s contact preferences
so that no further contact will be made to her regarding this debt.
MAC Financial Recovery is BBB Accredited.
This business has committed to upholding the BBB Standards for Trust.
Why choose a BBB Accredited Business?BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.
As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.