Complaints

This profile includes complaints for goeasy Ltd's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  goeasy Ltd

  510 - 33 City Centre Dr Mississauga, ON L5B 2N5

  
• 

  goeasy Ltd

  124 920 36 St NE Calgary, AB T2A 6L8

• 

  goeasy Ltd

  180 94 Avenue SE Calgary, AB T2J 3G8

• 

  goeasy Ltd

  220 9737 Macleod Trail SW Calgary, AB T2J 0P6

• 

  goeasy Ltd

  260 6700 46 St Olds, AB T4H 0A2

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:29/07/2025

  Type:Sales and Advertising 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.

  Their business practise is a little weird and ended up getting ******* by a ****** ********* (which they pressured on me and didn’t give me any choice on whether to deal with).
  
  Getting a loan with them was fine. I got the amount I needed at first, but realized I needed more to cover my three credit cards. What I got was enough to cover one and they understood that I needed more. They force me to deal with ****** ********* to help me get the rest.
  
  ****** ********* ******* me and wasted my time the last three months saying that after three months I could get a lower interest rate and more to my loan. I refused several times but gave in because the lady on the phone gave me guarantees. Today (July 25, 2025), I was told I couldn’t get the rest of the loan from Easy Financial because they have no association to ****** and when I asked the person on the phone “so you are saying I got dragged along for three months for no reason and *******”, she said yes.
  
  Love to hear that from them, and when I applied to get more of a loan, she said I qualified for $0 and need a co-signer, I asked “How did I get approved in the first place?”. She fumbled her words and didn’t give me a proper response, by saying “I don’t know”.

  Business Response

  Date: 09/08/2025

  As per the customer’s request, we have been communicating with them directly via email regarding their concerns. At this time, we are actively reviewing the matter, including obtaining and listening to the recorded calls between the customer and the ****** ********* representative, to better understand the customer’s feedback and experience.
  Our goal is to gather all relevant information to ensure we can provide the customer with a clear and accurate response. We remain committed to supporting the customer throughout this process and will continue to correspond with them directly until the matter is resolved.

• Initial Complaint

  Date:14/07/2025

  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 signed a loan agreement on June 25 with the understanding that if I repaid the full amount within 14 days, no interest or charges would apply. I’ve since made a full repayment of the loan amount on July 4, within the agreed time frame.
  EasyFinancial withdrew two payments of $473.51 - monthly charges from my account on July 3. I raised this dual charge immediately and was told the amounts would be refunded once repayment was received. I requested written confirmation from ****** ******, the representative handling my case and he mentioned he would send it within 5 minutes of our call, which he never did and was really dismissive.
  This entire process had been frustrating from the beginning and I expressed my displeasure with ****** and it’s unacceptable. I also wasn’t informed of a hard credit check during the application process by the representative, since the goeasy app stated “no hard credit required.”.
  I expect a written confirmation of the following:
  
  That the $473.51 (x2) charges will be refunded in full
  
  That the hard credit check will be rescinded as promised by ******.
  
  The date the refund will be issued to my bank account on file. I understand a ticket has been raised and have been told on two occasions that an email will be sent to me. However, I haven’t received any email till date.
  
  I’ve spoken to more than one representative at this branch 2614 and they never do why they promise to do.

  Business Response

  Date: 23/07/2025

  I hope this message finds you well. We have issued two refunds: one in the amount of $771.17 on July 10, 2025, and another refund of $175.88 on July 15, 2025. These refunds address the accidental double charge on your account.
  
  We have confirmed that you have received the refund of $771.17. The refund for $175.88 should appear in your account within 3-5 business days.
  
  Please note that the initial application does not require a hard credit check. However, by proceeding with the application and completing the process, you consent to a hard credit check moving forward on the application.  That being said, we are unable to reverse the credit check.  
  
  Should you have any further questions or concerns please do not hesitate to contact us.  

• Initial Complaint

  Date:09/07/2025

  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.

  Easy Financial has been reporting incorrectly to ********** since April 2024 stating I am in Credit Counseling and my account is derogatory, which it is not and has not been. I have called the local branch, and customer service line, I have emailed multiple times I lost count, I have provided them with my credit check showing it is incorrectly reported since April 2024 and I just keep getting told by their employees that they will “put in a ticket to get it resolved”. I never hear anything back until I complain again, to which I am told the same thing “they will put in a ticket for the problem to resolve it”. This is hurting my credit, my score dropped, and I have been denied loans due to “being in credit counselling” (again I have not been in credit counseling).

  Business Response

  Date: 17/07/2025

  
  I would like to address your credit reporting issue.
  
  I have received a copy of your credit report and have thoroughly reviewed your account. Additionally, I spoke with our insolvency team to verify if we have received any credit counseling documents, consumer proposals, or bankruptcy filings. It has been confirmed that we have not received any such documents to date.
  
  I have updated our request to the credit bureau for a correction to your credit report. In the meantime, I would like to reassure you that, to date, you have not enrolled in credit counseling, a consumer proposal, or bankruptcy in regards to the loan. Please confirm that you have not enrolled in credit counseling, a consumer proposal, or bankruptcy program to date.
  
  We are  working diligently  to resolve this  matter.  Should you have any further  questions or concerns please do not hesitate to contact us at  1-*********** or  via email. 
  
  Thank you for your continued patience and cooperation.
  

• Initial Complaint

  Date:08/07/2025

  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 a loan with Easy Financial sydney ns ****** ****** location. I have loan protection insurance and I was laid off may 7 2025. My loan insurance is making the payments on my loan. Easy financial has repeated taken the payments from my account. They have given me back some of my money but not all of my money n told me that direct payments from my bank account was turned off but payments are coming out of my bank account. I called them to to get my money back as I provided them with the payment notice from my insurance stating a payment was made to cover that time period. I'm december 2024 I had a claim and my insurance made a payment to Easy financial on my loan they also took payments from my bank account but haven't given me my money back for those payments. When I call them td to get my money back they told me I have to pay them 8.99 e transfer fee or wait 3 to 5 business days for my money to be returned.

  Business Response

  Date: 14/07/2025

  Thank you for sharing customer's concern. At Easyfinancial, we are committed to addressing customer concerns efficiently and effectively.

  We apologize for any inconvenience customer have experienced. Upon reviewing your account, we found that the extra payments have already been refunded  and the preauthorized payment arrangement was cancelled  for the period covered by the insurance claim to prevent any further charges. Additionally Easyfinancial  also contacted customer to ensure all customer concerns are addressed. 

  
  

• Initial Complaint

  Date:08/07/2025

  Type:Sales and Advertising 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.

  easy financial and ********* financial have sold my phone number and i get spam calls so often i miss my personal ones.
  
  i just inquired about possible getting a loan with either of them and once i figured something out and didn’t need their services anymore they sold my number and i get spam calls at ALL hours.
  
  crappy if this is how they treat customers - i’ve been a long time customer of ********* and i’ll probably be closing my account now

  Business Response

  Date: 10/07/2025

  Thank you for reaching out to us. We want to assure you that Easy Financial  do not sell or share customers’ phone numbers with third parties. We take your privacy very seriously.
  
  The spam calls you are receiving are unfortunately not connected with us. We recommend blocking these numbers to help reduce the unwanted calls.
  
  If you have any further concerns or need assistance, please don’t hesitate to contact us directly.
  
  Thank you for your understanding.
  
  

  Customer Answer

  Date: 10/07/2025

  
  
  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:26/06/2025

  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.

  On June 13th I had agreed to pay $167, they charged $211 instead and have been ignoring all attempts to contact about issue.
  
  On June 24th I cancelled a protection plan for some $48 a month, reducing the payments of $111. On June 25th I was informed that even though they confirm I cancelled with more than 72 hours notice they still intend to charge me on June 27th for the full $111.
  
  These are in clear violation of our contract. EasyFinancial is repeatedly making ********** charges and will not address these issues.

  Business Response

  Date: 30/06/2025

  Thank you for bringing these matters to our attention. We sincerely apologize for the frustration and inconvenience you have experienced. We understand how important it is for your payments and service agreements to be handled accurately and respectfully.
  
  We are currently reviewing the charges mentioned — including the payment of $211, as well as the cancellation of the protection plan and the charge of $111. While we strive to ensure all billing aligns with our agreements, it’s clear that in your case, there may have been errors that need immediate correction.
  
  We will reach out to you shortly  in regards to resolution and with a full expiation the issue.  
  
  Once again, we apologize for the inconvenience and thank you for your patience and continued communication. Your satisfaction is important to us, and we are committed to making this right.
  
  

• Initial Complaint

  Date:26/06/2025

  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.

  *********** calling 6-7 times a day claiming I owe when i was charged 2 times in a week the 18th AND the 20th of June
  
  Keeps sending me emails calling past 8 has made an impact on my credit score, sending me emails threatening collections.

  Business Response

  Date: 02/07/2025

  easyfinancial appreciates the opportunity to address the
  customer's concerns. Following a thorough investigation of the account, it was
  noticed that the payment made on 06-18-2025 was applied incorrectly. easyfinancial
  is committed to working with the customer to rectify this error.
  
  Under normal circumstances, the company would contact the customer to collect
  the outstanding amount. However, after the investigation, this collection
  activity was stopped. The resolution team is actively working on correcting the
  account and will be keeping the customer up to date every step of the way.

• Initial Complaint

  Date:16/06/2025

  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 took a loan from EasyFinancial in April 2024. Since then, I have made regular payments every two weeks and then monthly, as agreed. Despite these payments and partial payments made during financial hardship, EasyFinancial is still stating I owe a large outstanding balance.
  
  On June 11, 2025, I made a partial payment as requested. However, on June 14, 2025, EasyFinancial attempted to withdraw the full payment amount from my bank account without my consent, which caused an NSF (Non-Sufficient Funds) fee.
  
  They have charged me multiple NSF fees due to unsuccessful withdrawals, and I agreed to several payment deferrals because of financial difficulties. However, the loan balance they claim does not clearly reflect the payments I have made. I requested a detailed breakdown of my payments, fees, and remaining balance multiple times, but they have not provided clear documentation.
  
  I missed my payment on May 20, 2025. After I complained by email, EasyFinancial stopped contacting me and my wife, who is a co-signer.
  
  Their threatening messages and threats of legal action have caused significant stress to my family. I have a wife and three children, including a newborn, and I am struggling to manage these financial and emotional pressures.
  
  Desired resolution:
  
  A clear and accurate statement of my loan balance and payment history
  
  A refund or waiver of any unfair fees related to NSF or deferrals
  
  Confirmation that no legal or collection actions will be taken until this dispute is resolved

  Business Response

  Date: 27/06/2025

  easyfinancial is currently in active communication with the customer and has established an ongoing dialogue to address the concerns outlined in the complaint. The customer is working directly with a Resolutions Specialist from our head office, who is reviewing the account and addressing concerns related to the payment history, fees, and account balance.
  We understand the importance of providing clarity and transparency, particularly during times of financial hardship. We are also reviewing the concerns raised regarding NSF charges and payment deferrals as part of our investigation.
  easyfinancial takes concerns related to communication seriously, and we are actively working to ensure that both the customer and their co-applicant are treated respectfully and kept informed throughout this process.
  We remain committed to resolving this matter in a fair and timely manner and will continue to work directly with the customer toward a satisfactory outcome.

• Initial Complaint

  Date:16/06/2025

  Type:Sales and Advertising 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 had a loan with EasyFinancial (Goeasy Ltd.) that was paid off in full in May 2025. Since the loan has been paid off, I have been contacted several times via phone and email from this branch for loan offers. I have said via email and with a rep on the phone that I am no longer interested in their services and to not contact me again. I have been getting daily calls and emails from them to sign up for another loan. I have asked to speak to the branch manager to request for all contact to stop and I’ve been told that I’ll get a call back or that they’re not in. I have not been contacted by the branch manager and continue to receive calls and emails.

  Business Response

  Date: 27/06/2025

  Thank you for sharing your feedback. easyfinancial takes these concerns seriously and appreciates the opportunity to address the issue regarding excessive calls, texts, and emails.
  
  It appears the customer has repeatedly requested that we cease contact, as she is not interested in obtaining a new loan. In response, her account has been updated and placed on a Do Not Solicit list, with processing expected to be completed within 24-48 hours. easyfinancial sent an email to our marketing team directly to request removal from our mailing list.
  
  Additionally, easyfinancial have instructed the branch to refrain from contacting the customer by phone, email, or text going forward.
  
  We sincerely apologize for the inconvenience caused by the multiple outreach attempts and hope this resolution addresses all concerns.

  Customer Answer

  Date: 04/07/2025

   
  
  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:09/06/2025

  Type:Customer Service 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.

  Over a year ago I had made application for a loan yo ****** financial was approved for 5000.00 and at 3.99 percent interest rate.
  
  Once approved then I was referred to easy financial for the funds to be released to my Direct deposit bank.
  
  Was only not long ago I asked how much I owed and how much the interest rate was ** *********
  
  I was shocked for i have been paying bi weekly over a year figuring was 3.99.
  
  Now I checked with ****** finacial adds as attached now they are charging 9.99.
  
  ** **** ******** ** ** ****** ********
  
  182.52 again been paying over a year and you see from the letter I still owe over 5000.00.
  
  I am asking for an investigation and reaching out for help please.
  
  
  **** ********* 
  
  

  Business Response

  Date: 19/06/2025

  
  easyfinancial acknowledges the concerns raised by the customer and wishes to clarify the situation. The loan in question was processed in partnership with ****** Financial. While ****** Financial's interest rates start at 9.99%, easyfinancial's rates during 2024 ranged from 29.99% to 46.96%. In this particular case, the customer was approved at an interest rate of 46.96%, which ****** Financial communicated as a monthly rate of 3.99%, rather than annually. easyfinancial apologizes for any misunderstandings that may have occurred during the processing stage.
  
  To further clarify how interest is applied:
  
  - Interest Application: Payments made at the beginning of the loan term will primarily cover interest rather than the principal. As the customer continues to make payments, the interest portion will decrease, allowing more of the payment to go toward reducing the principal balance.
  
  - Extra Payments: Customers are encouraged to make extra payments, which can reduce the total interest paid and shorten the loan term.
  
  easyfinancial is committed to addressing any further questions or concerns the customer may have. The company appreciates the customer's understanding and encourages them to contact the customer service team for additional support.