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:28/04/2023

  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 offered a payment arrangement which they're legal team has said is not good enough. By not accepting my payment arrangement and requesting more money they are leaving me in financial distress

  Business Response

  Date: 10/05/2023

  We attempted to contact the consumer last week and left a voicemail.  We would appreciate the consumer calling us back so we can attempt to resolve this.

  Customer Answer

  Date: 10/05/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: I have offered 2 different payment arrangements and both have been denied. I'm not sure what else I can offer that won't leave me in financial distress. I don't like playing games and being run around 
  
  
  
  Sincerely,
  
  
  
  ****** *****

  Business Response

  Date: 19/05/2023

  If the consumer wishes to resolve this account we recommend calling our office in order to speak to a live person.  We will escalate the file at this time so that the consumer can call in and speak to a team leader or manager.  That is the best way to find a solution.  Please call 1-866-671-6669 and your call will be directed accordingly. 

  Customer Answer

  Date: 20/02/2024

  My name is ****** ***** I would like to reopen my past complaint. I am attaching more info. This account was closed and written off by ******** **** back in 2021, as well I have ******** a picture of the letter I received from Mac Financial Recovery. Thank you for your time 
  ****** ***** 

  Business Response

  Date: 20/02/2024

  This account went delinquent in 2021.  We suggest the consumer contact ******** **** to confirm the validity of the debt.  The account is not closed.  It is an active unpaid debt.

• Initial Complaint

  Date:17/04/2023

  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.

  Mac financial and ******* ***** an employee of MAC keep sending me *********** letters that they may garnish my wages and take me to provincial or supreme court, they also never sent me any documentation or collections agent registration numbers etc.
  
  I consulted legal advice and messaged them that it is stats barred and to stop contacting me *********** legal action about it but they won't stop so im asking for your help to resolve this.
  
  My credit bureau and my own paperwork clearly state last activity fall of 2019 hence statue of limitations. After I mentioned this they sent me a letter ( *** ********) from a lawyer in BC, I reside in ON.
  
  I would like them to stop contacting me and stop *********** legal action, to remove the collections from my credit bureau and stop *********/ contacting me.
  
  Thank you for time.

  Business Response

  Date: 17/04/2023

  We can update the consumer's contact preferences if he wishes.  The statute of limitations refers only to legal action.  The statute of limitations does not erase the debt or remove it from the credit report.  We are happy to discuss a settlement with the consumer if he wants to resolve it.

• Initial Complaint

  Date:12/04/2023

  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.

  Hi !
  Mac financial recovery in Ontario keeps sending letters, last one was a ****** to garnish my salary Mac financial says they found my job but I don,t have a job, I am retired on m writes that I owe 4,000 dollars the letter before was of another amount, Mac financial changes the amount of the debt each time he sends me a letter of retaliation, this time Mac financial wrote to me that, they are going to seize my bank account they want me to pay the ******** **** credit card but i don't have a ******** **** credit card, i'm old and just the federal government pension, are there any problems telephone fraud and ******ening letter, please help me, I cannot answer the telephone of the residence for the elderly I am deaf please write to me by email, do you have a service in French I am French-speaking I live in Quebec , I use a translator on the internet the Mac financial reference number is ******
  
  the person sending me *********** letters is ***** ********** phone *** *** ****
  THANKS You

  Business Response

  Date: 12/04/2023

  If the consumer would like to contact us via email our email address is ****@********************.ca 

  We can obtain origination documents to investigate this.  Please email us directly and we would be happy to assist.
  

  Customer Answer

  Date: 12/04/2023

  
  
  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:04/04/2023

  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.

  Mac financial recovery keeps sending ********* text and phone messages for a debt that doesn't belong to me. I've left them numerous messages and they keep sending anyway changing phone number all the time.
  Their voice mail is full so cannot contact anyone to have them correct the situation and stop ********* me.

  Business Response

  Date: 05/04/2023

  We have updated the file.  It is possible that the consumer may receive further communication this week.  Starting next week there will be no further communications to that number.

  Customer Answer

  Date: 05/04/2023

  
  
  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:30/03/2023

  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 company continuously ******** me through phone calls and text messages. They are looking for a person that must have given them my number. I have told them numerous times that I am not this person, yet they continue.

  Business Response

  Date: 06/04/2023

  We have updated the file and the consumer will not receive any further communication from us regarding this issue.

  Customer Answer

  Date: 06/04/2023

  
  
  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:30/03/2023

  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 paid a debt for ******** **** ** in full with Mac Financial in 2020 and I have the release letter stating so. Well today on my credit reports for both ******* and **********, Mac Financial has the placed debt again in collections as unpaid. This is unacceptable. Mac Ref# ******, Original Ref# **************** has already been paid. This needs to be corrected immediately on my credit reports, I deserve a written apology and I want the collection actions stopped. This Collection Agency is completely ********** activities to people and they need to be charged. They can not collect on the same debt twice. Correct my credit report immediately and have this debt completely erased from my credit reports or I am contacting a lawyer and suing this company.

  Business Response

  Date: 12/04/2023

  The account was settled.  A release letter was provided and the credit bureau was updated.  The account will continue to be listed as settled on the credit report.

  Customer Answer

  Date: 12/04/2023

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

  This account was paid, my credit report had showed as paid and then now mac financial has placed this account back on my credit report as unpaid, not settled. My discharge letter from mac financial says the account was paid in full not settled. Why are they going back to debtors who paid their accounts in full and requesting them to pay the debt again and putting the debt back on their credit reports as unpaid??? **** ** ****** The letter clearly states the account was paid in full, and no further action will be taken. 2 years later mac financial puts the debt back on my credit report as unpaid and says the account was never paid. This is wrong, ********** and must be corrected immediately. Update my credit reports reflecting that the account was paid in full 2 years ago and have this debt fully removed from my credit report! Stop harassing people who have paid their accounts. Update my credit reports immediately!
  
  
  
  Sincerely,
  
  
  
  **** *******

  Business Response

  Date: 13/04/2023

  We reviewed the release letter and it clearly states that the account was settled in full.  When accounts are settled we must update the credit bureau to reflect settled.  We can only list an account as paid in full when it is paid in full.  We have not "put the debt back as unpaid" on the consumer's credit report.  We cannot remove accounts from the credit bureau.  That is a violation of our agreement with ******* and ***** *****.  The account should be listed as settled.  It should say "settled" and list whatever remaining balance was unpaid.  If this is not what is reporting then we are happy to contact ******* and ***** ***** to ensure that it is reporting correctly.
  

  Customer Answer

  Date: 15/04/2023

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

  You say settled..well I paid 1850 according to your release letter. The debt on my credit report that mac financial put back on says I owe 2241 which was the total amount. 

  The release letter states released. No further actions will be taken. 3 years later, mac financial thinks its ok to take ********** actions by reporting inaccurate information to ******* and **********??? This is unacceptable. I do not owe 2241. The account should reflect settled and paid. When mac financial agrees to close an account once its been settled, they need to honour that. You can not put a debt back on someone's credit report and then *** about the amount. I do not owe 2241. I paid my account in full with mac financial and this needs to be reported as paid. My release letter states paid in full. It is showing as unpaid and a balance of 2241. When you use math, 2241 - 1840 = 391.00. Not 2241. For you guts to be that petty over 391 dollars by ******** ** peoples credit, it shows exactly what your company really is. Remove this debt immediately, correct my credit reports, and do your job correctly.

  You need to get this corrected immediately, this is my last attempt and I will have lawyer involved and I'll get your license removed.
  
  
  
  Sincerely,
  
  
  
  **** *******

  Business Response

  Date: 17/04/2023

  We agree with the consumer that the remaining balance on her credit report should not be $2241. We sent an update request to ******* and ***** ***** on April 12th.  Once the request is processed her credit report should reflect what is showing on our system.  If the consumer still has an issue after the update she can contact us back.

  Customer Answer

  Date: 18/04/2023

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

  You said you contacted ******* and ********** and agree it should not be 2241. Thank you! However I want to be sure your request shows the correct amount outstanding as 391. 

  Also, i want an apology. Your company miss represented my debt and caused my credit score to drop with incorrect information.

  this is unacceptable.
  
  
  
  Sincerely,
  
  
  
  **** *******

  Business Response

  Date: 19/04/2023

  We sent the correct information to the credit bureau when the account was settled and did not make any changes to this file on our end between then and April 12th, 2023.  That being said we understand that these situations can be difficult and we apologize for any inconvenience.

• Initial Complaint

  Date:23/02/2023

  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.

  The debt this company is attempting to collect is over 10 years old, they think that buying debt resets the clock on the statute of limitations and are not the first to attempt to reset this timer by huying the debt.

  Business Response

  Date: 23/02/2023

  We have updated the consumer's contact preferences and will refrain from contacting him until further notice.

  Customer Answer

  Date: 23/02/2023

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

  The collection agency has not addressed the issue that they are attempting to collect kn a debt that is past the statute of limitations.

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

  Business Response

  Date: 01/03/2023

  We acknowledge that this debt is past the statute of limitations.

  Customer Answer

  Date: 02/03/2023

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

  This means the company in question must retract their collection action and should act to have it immediately removed from my credit report as it remains there now solely because of their ******* collection action.

  While I do not assume this was done i************ or ***********, the company has admitted their error and should take action to responsibly and professionally correct that error.

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

  Business Response

  Date: 13/03/2023

  There were charges to this credit card as well as payments made on it in 2017.  We have updated the consumer's contact preferences as a courtesy and are not admitting any error.

  Customer Answer

  Date: 14/03/2023

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

  The account itself was closed, by me long before this date and the credit holder decided to hold on to the debt and try to force the credit to remain open so it would continue to accrue interest at the rate of the credit card before finally attempting collection. **** ******* * ******* ***** ** **** ** ****** ******* **** ** ***
  

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

  Business Response

  Date: 17/03/2023

  We have updated your contact preferences and will not contact you regarding this debt.

  Customer Answer

  Date: 22/03/2023

  
  
  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:31/01/2023

  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.

  This company calls me 2, sometimes 3 times a day to recover money for a loan which is apparently from 15 years ago and I can not remember the details about. They previously called all of my family members and aggressively ******** them including my grandmother, they also call me on my cellphone which is apparently not allowed according to https://www.********************************************************************************
  
  My ******* doesn't show this loan.

  Business Response

  Date: 31/01/2023

  We have updated the consumer's contact preferences.

• Initial Complaint

  Date:09/01/2023

  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.

  My employment received a letter from MAC financial to obtain confirmation of employment. I am still dealing with this company's continued ********** of a debt they claim I owe. I have already explained to them that the debt in question is not mine. I have never taken out a loan or credit card from any entity they are claiming. They are trying to pass along a debt from a boyfriend I was in a relationship with over 10 years ago. They claim it is my debt even though two unfortunate factors occurred - my past boyfriend claimed bankruptcy and tragically he also passed away in 2015. It is now 2023 and I am still being ******** via phone and mail for his old debt. And now they contacted my employer! This is unacceptable and disgusting. Please help me.

  Business Response

  Date: 10/01/2023

  We can produce origination documents if the consumer wishes.  We are offering a large discount to have the debt closed.

  Customer Answer

  Date: 10/01/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: Again - it is not my debt and the fact that you are see**** that I pay for the debt of a deceased human being is disgusting and unethical. If there are documents with my name and or signature that states i am respinsible for the debt of **** ****, then they are **********.

  Proceed with your documents if you wish but I refuse to be ******* by a company who harasses people for debts of dead people. And as I stated - I know for a fact that Mr. **** **** claimed bankruptcy a short time before he died and thus only after that time did I begin being notified and  ********* post his death. As well,  as of 2014 Mr **** and myself were no longer in a relationship and I recieved ZERO communication from him, or any entity regarding a debt. 

  I am not interested in taking any offer. That debt is over 10 years old, possibly even 15 years and settling for payment for a debt I do not owe is unfair and goes against every principle I have. It also dishonours the memory of someone who tragically died.

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

  Business Response

  Date: 16/01/2023

  We can attempt to help the consumer get to the bottom of this if she likes.  We have no record of any other party opening this account. 

  Customer Answer

  Date: 20/01/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  It is not my debt. Period. It is over 10 years old. It is a result of a ********** transaction. Furthermore  i cannot discuss this situation and get to the bottom of this issue with Mr. **** **** since he is deceased. 

  Thank you for offering assistance to investigate it but i am not wasting anymore time and energy on this. The constant harrassment has been a source of great emotional and mental pain to me and it is unacceptable.

  I am again formally requesting through the BBB that MAC financial please stop trying to communicate with me further. If you want to get to the bottom of the debt situation, you go right ahead since it is obviously so important to for you.  But I am finished discussing this further.

  The harrasment needs to stop. 

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

  Business Response

  Date: 30/01/2023

  We will not contact the consumer again about this debt.

• Initial Complaint

  Date:30/11/2022

  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.

  Business Called looking for Owner of Previous Number.
  
  which i've had now for a few months.
  
  once explained they said th would continue to call .
  
  i get one more call your done i already am opening other complaints just wait

  Business Response

  Date: 30/11/2022

  The phone number provided does not match anything in our system.  It's possible that another company might be calling.  Please provide the phone number and/or the name of the person we were attempting to contact and we can look into this.

  Customer Answer

  Date: 01/12/2022

  I am rejecting your resolve.

  As your company Mac Financial recovery had called me. On ************.

  Looking for a "***** ******" she doesn't have this number and after explaining to you both your agent at ext *** and your director Mr. ****** ***** that you would continue to call because you didn't like the way I spoke to you. Get it right already 

  Business Response

  Date: 01/12/2022

  We have removed the telephone number.  No further calls will be made to the consumer.

  Customer Answer

  Date: 01/12/2022

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

  You should be doing more such as reprimanding your employee at ext ***. Including your director mr.*****.

  And I want proof of these actions to enforce you have accountability within your organization.
  
  
  
  Sincerely,
  
  
  
  *** *****