Complaints

The 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:14/11/2023

  Type:Billing Issues
  Status:

  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 morning I received a text message from Mac. I'm curious why the debt collection agency is charging $4942.30. I have never been in debt and I had just moved to Canada from Hong Kong to recuperate. I suffer from depression and heart disease. Please stop bothering me with text messages or I will take you to court.

  Business Response

  Date: 16/11/2023

  We have updated the file.  No further contact will be made to this number.

  Customer Answer

  Date: 16/11/2023

  
  
  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:10/11/2023

  Type:Billing Issues
  Status:

  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 is about MAC FINANCIAL who has sent me two letters, the last of which was dated oct 19/2023, threatening to take legal action and put a lien on my property for a debt that would be well over the statute of limitations in Nova Scotia. The statute is 2 years, and this debt would have to be over 20 years old.
  Mac is saying that I owe $11,151.14 on a delinquent ******** **** account, but I have spoken to my bank about this and according to them, there is no record of this debt when they look into my history.
  Mac has also been calling me repeatedly on a cell phone provided by my employer for work purposes only, as well as on my personal cell phone, neither of which I gave permission for them to use.
  Hopefully you can have this harassment stopped.
  Thank you

  Business Response

  Date: 10/11/2023

  We have updated the consumer's contact preferences.  No further contact will be made to the consumer.

  Customer Answer

  Date: 10/11/2023

  
  
  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:08/11/2023

  Type:Billing Issues
  Status:

  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.

  During covid I lost my job, got diagnosed with cancer and got into a car accident . I had a ******** **** credit card owing $300 it went to collections , I was able to obtain another credit card 2 years later with ******** **** . I made an enquiry on my credit bureau and since then over a year I’ve been constantly ******** by Mac Financial , via email, letters in the mail and phone calls . I’m currently on disability going through my 3rd fight with cancer , i was only working part time at *********** because on disability you can work a few hours and I had to to make ends meet . Now Mac company is ********* my former place of work by calling them, sending them letter telling them I owe money that’s in collections but have to legal withstanding way to collect from my employer . **** *********** ***** **** ********** *** ********** *** * ****** ** ***** ******. The gentleman now and a security d person called Kristin C. is ********* me , my former employer , and causing me sever emotional and physical anxiety and stress . today my daughter went to the police station to file a complaint, the police officer asked us to try the BBB to see if we can ask this company to stop the **********, if no resolution can be met we can file a no contact order , and charges . **** **** **** ******* *** ******* ** **** **** ***** ****** **** ** ** ****. I would like the owner to contact me to see the emails, letter and listen to phone calls their employers are making. These are ******* tactics that could impact a person mental health, loss of employment, it is 100% ********** . I will be pursuing legal action if this does not cease to stop

  Business Response

  Date: 08/11/2023

  We have updated the consumer's contact preferences.  She will not receive any future correspondence from us.  However this account will continue to affect her credit until she pays it.  Due to it being a relatively small balance we encourage her to reach out to resolve the account.

• Initial Complaint

  Date:31/10/2023

  Type:Billing Issues
  Status:

  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 had an account that went into collection due to some bad choices I made while I was 19, I was contacted by Mac Financial in 2020 and I paid off the debt that was owed. Fast forward to 2023, Mac Financial, employee name Mark who I dealt with in 2020, reopen up the collection account that was 100% paid off and it appeared on once again in my credit report as unpaid, which took a huge hit affecting my credit on ******* and ***** ***** that I have been working very hard towards fixing, as I work towards my career as an industrial Electrician. They corrected what they claim was an "error" but never removed the item that was in collection (I now have two separate report on the same collection items in my credit history.) The first delinquency date for the original debt was in 2018 and now they have updated the report first delinquency to "2023" resetting my timeline for the report history removal. Not only does this seem like a scam to get more money out of a debt that was 100% paid but also seem ******* to reopen a debt that was paid. This report (original) was supposed to be removed by 2025 and now that they have updated the account with false information, I won't be able to remove this till 2029. ******* is currently investigating the matter as they are confused as well, my last resort would be to hire a Lawyer to fight this company ******* if *******, ********** and The BBB fail to assist me in this matter. Let me make it clear one last time, this debt is 100% paid off and I have the release letter from them but they have updated the credit report with false and incorrect information which contradicts the release letter they sent me. I have ******** pictures of *******, which shows when the account when into collection and paid off, and when they re-updated ******* with the same account in collection, also a copy of the release letter.

  Business Response

  Date: 31/10/2023

  We spoke to the consumer yesterday at length regarding this
  issue.  The consumer insisted that we
  remove the collection item from his credit report.  We informed him that we were not permitted to
  remove accounts from credit reports.  Now
  we are receiving this complaint.
  Nothing has been ‘re-opened’ since we purchased this account
  in 2020.  The debt has been reporting to
  the credit bureaus since we purchased it.  It seems that the consumer is stating that we ‘re-opened’ the account
  after he paid it.  This is false.
  A trade item from ******** **** and a collection item from
  MAC Financial is the proper way of reporting a delinquent debt which has been
  sold.
  We have not updated the delinquency date to 2023.  If ******* is reporting this then it is an
  issue on their end.  The delinquency date
  is in 2019.  Not 2018.
  We are in agreement that the delinquency date should be in
  2019.  As we told the consumer yesterday
  we will contact ******* and make sure that it is reporting correctly. 

  Customer Answer

  Date: 08/11/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: I'm still waiting for Mac Financial to correct the first delinquency date (2019) not (2022] with all credit agency on this matter, once that is completed I'll be satisfied 
  
  
  
  Sincerely,
  
  
  
  ****, 

   

   

  Business Response

  Date: 15/11/2023

  ***** ***** confirmed that they have updated the date of delinquency.  We contacted ******* and they stated that they do not have our collection item on the consumer's credit bureau.  We obtained a copy of the consumer's ******* credit bureau to confirm and there is no collection item from MAC Financial on it.

• Initial Complaint

  Date:26/10/2023

  Type:Billing Issues
  Status:

  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 have been getting very **** calls from this company. I have requested information and they refuse to provide any information.
  
  They make assumptions that are NOT correct and when you try to discuss anything with them they become highly *************l.
  
  I want these calls to stop being so *************l.

  Business Response

  Date: 07/11/2023

  We kindly ask the consumer to specifically state which charges he would like explained.

  Customer Answer

  Date: 11/11/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:

  I have provided this information years ago and am still waiting for any documentation. 
  

  I never received statements for a card that was taken out by someone else. I’m assuming that it is ***** ******* ********** from PEI. He stole my identity many years ago.  
  
  
  
  Sincerely,
  
  
  
  ***** **********

  Business Response

  Date: 15/11/2023

  We do not have the information.  We ask the consumer again to specify what documents he is requesting. 

  Customer Answer

  Date: 23/11/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:

  As stated many times in many different communications with this organization, I never received statements regularly from the company  this was not taken out by me and was never paid by me  this is a case of identity theft and I’m very sure (but have no proof) it was taken out by the other ***** ********** that lives in PEI  he did this before as well   I need all statements and all purchases made  I can’t provide any more information as I have nothing  to reference  

  
  
  
  Sincerely,
  
  
  
  ***** **********

  Customer Answer

  Date: 28/11/2023

  I never received statements regularly. I reported this with the company and requested the information from the company but I never received anything. As such I don’t have anything to provide. I’m requesting the information yet again. The company responded and I replied but they didn’t answer my last email through your organization. 
  

  hopefully someone can provide me with either the information or a way to gain access to the information. 
  

  please let me know what the next steps are. 
  

   

  Business Response

  Date: 04/12/2023

  We have requested on two occasions that the consumer specify which documents he would like to see.  Since the consumer does not wish to specify we have attached the application and statements from origination to charge-off.

  Customer Answer

  Date: 06/12/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  
  i appreciate the information finally being sent. I’ll review.  However your communication states that I did not make any requests. That is not true. Please check these emails and you will see that I did make the requests. 
  

  I do not appreciate the ***************** of this company. Please do not make unfounded accusations against me. 
  
  
  Sincerely,
  
  
  
  ***** **********

• Initial Complaint

  Date:12/10/2023

  Type:Billing Issues
  Status:

  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.

  Yesterday, Oct 11, 2023, in the mail, I received a letter from a company called Mac Financial Recovery saying that this is a notice of legal action for a credit card debt from 2009 with a ******** **** Credit Card.
  I was shocked as I haven’t received any kind of communication statements, letters, or anything from this so called credit card in 14 years until Mac Financial Recovery sent me this letter.
  Somehow, Mac Financial had my mailing address which is different from 14 years ago, and my mother’s phone number because they called her after I hung up the phone with them. They said that I was apparently paying the card for 8 years and I just stopped in 2009 which I wouldn’t do. I checked my credit score and reports on ****** *****, ****, and *******, and this card is not even listed on my reports, and all reports say my credit is in good standing. The balance they say is a lot larger than it was back in 2009 because it was acruing interest and now they are saying I owe then $9739.43.
  If the card was building interest, wouldn’t I be getting statements sent to the address on file??
  I’m also on Long Term Disability and am terrified they will garnish my disability and I won’t be able to live if that happens.
  Panicked, I looked up the Statute of Limitations, and for NS, it says that after 6 years I’m protected.
  I don’t really know what else to do… I don’t recognize said credit card, and why would I get slapped with a notice for legal action when I haven’t been contacted for 14 years, and why have I not received any statements to the address that I would have had back when I got said card in 2001?
  I would like to have this company to stop contacting me as I don’t have any record of said credit card debt or the card on any of my credit reports.
  
  Thank you
  **** ******

  Business Response

  Date: 18/10/2023

  We have noted the consumer's preferences to not be contacted in the future regarding this debt.

  Customer Answer

  Date: 18/10/2023

  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 expect all communication to cease and desist with me or the workplace with regards to this file.
  
  
  
  Sincerely,
  
  
  
  **** ******

• Initial Complaint

  Date:15/08/2023

  Type:Billing Issues
  Status:

  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 getting phone calls and text messages asking for someone I don’t know and have never heard of. I called once and asked for my number to be removed and they refused to do so. Please remove my number immediately

  Business Response

  Date: 15/08/2023

  We have updated the file.  There may be further contact attempts this week but after this week there will be no more contact made to that number.

  Customer Answer

  Date: 16/08/2023

  
  
  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:10/08/2023

  Type:Billing Issues
  Status:

  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 collection agency is continuing to call and send text messages even though this debt is not mine. I have asked them to stop contacting me or any other member of my family but it continues. I have informed them that I don't have contact information for the person they are looking for. Man I was speaking to was extremely **** and told me he had the right to know how I knew the person who they are looking for and have the right to continue contacting me. This is not my debt, I cannot contact the person they are looking for and I want the calls and texts to stop.

  Business Response

  Date: 11/08/2023

  We have updated the file and removed the phone number.  We apologize for the inconvenience.

  Customer Answer

  Date: 15/08/2023

  
  
  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:09/08/2023

  Type:Billing Issues
  Status:

  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 had a credit card that went delinquent November 2018, debt purchased by Mac Financial and reported to ******* in 2020. They call/text 4-6 times a week, they sent me a letter in May stating they were going to take me to court, and I just received another letter July24, 2023 stating they’ve contacted my employer/verified employment and are threatening to garnish my wages. This debt is way past the 2 years statute of limitation. I want them to stop contacting my employer and to stop *********** me with a law suit!

  Business Response

  Date: 09/08/2023

  We have updated the consumer's contact preferences. 

  Customer Answer

  Date: 09/08/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: in their response they said they updated the contact preference and I just received another text at 8:27 pm August 9, 2023
  
  
  
  Sincerely,
  
  
  
  ***** *******

  Business Response

  Date: 14/08/2023

  Our lists are generated weekly.  If a file is updated on Wednesday it is possible to receive another correspondence the same week. 

• Initial Complaint

  Date:26/07/2023

  Type:Billing Issues
  Status:

  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.

  july 17 2023
  ref ******
  
  This collection agency has contacted my parents, and myself numereous times and advised that i am not the person they are looking for.
  
  I called again today and spoke Rafael L. and explained to him to stop ********* me as i am not the ******* * ***** and I do not have debt with mentioned letter. He called me a liar and made many acquisitions that were not in any sort of professional manner.
  
  I would like an apology letter from Mr L. stating his lack of fact finding and confirmation that they will no longer be ********* myself, friends, family or work,
  
  Thank you

  Business Response

  Date: 26/07/2023

  The consumer called in on July 25th and we were able to resolve the matter.  We apologize for any inconvenience and have updated the file.

  Customer Answer

  Date: 26/07/2023

  
  
  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,
  
  
  
  ******* *****