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

  16, 1500 Cranbrook Street N Cranbrook, BC V1C 3S8

• 

  goeasy Ltd

  3 2404 Centre St NE Calgary, AB T2E 2T9

• 

  Easy Home Furnishings

  1001 8249 Eagle Landing Parkway Chilliwack, BC V2R 0P9

• 

  Easyfinancial Services

  106 3000 Louie Dr Westbank, BC V4T 3E2

  

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:18/10/2022

  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.

  My common-law partner, ***** ******** had a loan with Easy Financial. ***** died June 1st 2022 and the loan was paid out by ********* Insurance. Easy Financial continued taking payments in the amount of $1863.86 from my account.
  I have been trying to get this money back since Sept 6 with no luck. Each time I phone I get a different person and different excuses. I just want my money back in my account. I was never on the loan and the money they took was unauthorized. P***** help, they are ruining my credit due to NSF on my other bills due to them taking this money.

  Business Response

  Date: 31/10/2022

  Easyfinancial would like to take the time to respond to this
  complaint. A member of our resolutions team has investigated and reached out to
  ******* and spoke with her on the phone. This member confirmed that the refund
  was sent and processed on October 21st, 2022 and that ******* did
  receive the funds. If the customer would like to discuss this further, she can
  contact the Resolutions Department at 1-888-502-3279.

  Customer Answer

  Date: 31/10/2022

  
  
  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:03/10/2022

  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.

  I am currently in arrears with the company. I know I need to make my payment. I attempted to make a 200$ payment on September 22nd 2022. I sent them an email with a screenshot of the payment made to them with a confirmation number. They said they have received it but are unable to accept my payment and to redo another payment. They will not accept payments on my terms when they are not my only debtor. Unfortunately due to hard times, I have fallen behind on multiple payments with other debtors. When I make a payment to my other creditors, they take the payment gladly. I have asked easy financial to send me to collections as I am willing to make payments when I can afford it. They call so often I had to block the number and they continue to call and fill my voicemail box. I’m dealing with creditors, I have heard that if a creditor refuses to take your payment, it can be written off. I’d like to pursue that avenue as I have sent multiple emails stating I can only pay what I can afford, when I can afford it. They refuse to work with that.

  Business Response

  Date: 17/10/2022

  Thank you for contacting easyfinancial. We review each of our customers’ feedback and always encourage honest reviews of our services. On July 21st the customer expressed he was experiencing financial difficulty and could not afford his payments. We offered to refinance his loan to help him make his payments more affordable. Since then, the customer has only made one payment of $25 and missed every contractual payment resulting in NSF fees. His account is currently past due with an outstanding balance. We have tried to contact the customer through phone calls, emails, and texts but have been unsuccessful. A Resolution team member has made attempts to reach out to the customer to bring his account up to date but has not heard back. Customer's have the ability to make extra payments online through their banking and can do this as frequently as they want. We advise the customer to contact the office as soon as possible and bring his account of out arrears. As of today October 17, 2022, the customer has made not made a payment on his loan since August 15th, 2022 and it stands at 37 days past due incurring daily interest. We want to be able to help and address the customers concerns. Please contact us at 1 888 502 3279 Monday to Friday 8 AM- 8PM

  Customer Answer

  Date: 17/10/2022

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:you stated in the BBB reesponse that clients can pay anytime. I have proof that you refused to take my payment and that i cannot make a payment anytime i wish. Please see the ******** screenshots. Also as mentioned in one of the emails, i will not be taking phone calls from Easy Financial nor Goeasy. i need written proof, hense this particular issue where you lied to both myself and the BBB. So if you wish to contact me e-mail me, OR send me to collections so i can file with ******* and give them the proof that you refused my payment and they will remove that debt from my account. 
  
  
  
  Sincerely,
  
  
  
  ***** ********

  Business Response

  Date: 14/11/2022

  At this time easyfinancial has only received one payment of $25 and every contractual payment has resulted in NSF fees. His account is currently 30+ past due with an outstanding balance. We strongly encourage the customer to contact us and make arrangements with one of our agents. If affordability is an issue we have options available to assist the customer to bring his account up to date. We have made numerous attempts to contact the customer through phone calls, emails, and texts but have been unsuccessful. Customers have the ability to make extra payments online through their banking and can do this as frequently as they want as stated in the signed loan documents. As of today November 14th, 2022, the customer has made not made a payment on his loan since August 15th, 2022 and it stands at past due incurring daily interest. Easyfinancial wants to be able to help and address the customer's concerns together. Please contact us today at 1 888 502 3279 Monday to Friday 8 AM- 8 PM.

  Customer Answer

  Date: 14/11/2022

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: as you claim to say that "customers can make payments anytime they want through their bank" ****** ***** ** ***** *****. It clearly states from one of your employees that we cannot accept payments when you can make it. Please look over all the *** files i have ******** and explain. all my other creditors accept my payments when i make them except you. and as mentioned, i do not accept your phone calls as your numbers are blocked due to over calling. i reply with every email to send me to a collection agency where i can work out a payment arrangement with them when it suits my needs, but you refuse to do so. also i recieved an email from your collection department which i will no longer work with your company. I am requesting you send my account to a collection agency other than a Easy Financial collection team.  
  
  
  
  Sincerely,
  
  
  
  ***** ********

  Business Response

  Date: 29/11/2022

  Thank you for contacting easyfinancial. We have tried to contact the customer through phone calls, emails, and texts but have been unsuccessful. Customers are able to make payment arrangements or extra payments at any time but that is outside the originally agreed contractual payment arrangement as stated in their contract. As per the loan agreement, the customer confirmed they would pay a specific amount on scheduled payment dates and as that has not occurred all regular collection activity will continue. As per the contract, easyfinancial has the right to exhaust all collection options (legal, wage garnishment, etc.) for the remaining loan balance but if no solutions are met within 90 days of non-payment then in most cases the debt will be sold to a third party to which further collection activity and payment arrangements can be explored. We advise the customer to contact the office as soon as possible and bring his account of out arrears. As of today November 29, 2022, the customer has made not made a payment on his loan since August 15th, 2022 and it stands at 80 days past due incurring daily interest. We want to be able to help and address the customer's concerns. Please contact us at 1 888 502 3279 Monday to Friday 8 AM- 8 PM.
  

  Customer Answer

  Date: 29/11/2022

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: this is a generic email. there is nothing stating that we can work on this. the multiple daily calls which go to voicemail, the mulriple daily emails, can be classified as harrassement. i want clarification as to why your stating that we can make payments when we can, but i have an email stating that i cannot make a payment. i have proof provided in this which i have provided. 
  
  
  
  Sincerely,
  
  
  
  ***** ********

• Initial Complaint

  Date:29/09/2022

  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.

  I have a loan with Easy Financial. I have fallen behind on payments. When talking and making arrangements to pay, there is no communication or notes left on file to avoid getting multiple calls a day from different reps. The reason for my complaint is the multiple calls a day from different numbers. It exceeds the amount of times that I am to be contacted during the day or week according to Ontario's collection laws. Please have this limited to no more than 3 calls a week and have notes on file to prevent the constant calling if I have made arrangement with a rep over the phone.

  Business Response

  Date: 04/10/2022

  Easyfinancial would like to respond to the recent complaint
  by the customer. A member of our resolutions team investigated and found a
  payment arrangement made by the customer with Easyfinancial for September 16th, 2022. However, the customer failed to follow through on this arrangement. This
  member also found that the customer has multiple failed promises to pay since her last payment made in June.

  
  As a first party, we have different rules and regulations than
  third-party collectors do in Ontario. Easyfinancial does the due diligence and follow
  the laws the province has placed for us.

  
  As the customer’s account is past due, to avoid collection
  calls in the future they can reach out and follow through on their payment arrangements.
  Your branch will have lots of options to help you get back on track. You can
  also contact the resolutions team to discuss this further at 1-888-502-3279.

  Customer Answer

  Date: 04/10/2022

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: I will agree to contact the office to make payment arrangements however I still do not agree how many times I am called a day and from various numbers. I will continue to work with my home office to pay the loan off.
  
  
  
  Sincerely,
  
  
  
  ****** *****

• Initial Complaint

  Date:28/09/2022

  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.

  On Sept. 5th 2022 I placed an order through ******* and recieved financing with Easy Financial to pay for the order. After placing the order it was realized that there was an error in product and ******* put a cancelation in. On Sept. 14th 2022 they forwarded/issued the refund to Easy Financial. I spoke with a representative on multiple occasions (Sept.17, 19, 22, 24 and 27th). Each time I spoke with someone I was told that they hadn't recieved the refund yet and to wait a few more business days. At the same time I was also told that they had recieved the refund and it was being processed. While this was going on payments were taken from my bank account from Easy Financial. And when they stopped the payments because they knew the order was cancelled, then they started calling my everyday, multiple times a day and emailing me, saying that I owe them money and am behind on payments. I never recieved any product or funds from this company. The ********** I'm recieving daily is unacceptable. I've tried calling in again to find out what's going on and keep getting told that everything is still processing. It has now been 4 weeks of this and it's unacceptable. This company has taken money from me even though my order was cancelled and continue to ****** me daily with phone calls n emails.

  Business Response

  Date: 14/10/2022

  Thank you for contacting easyfinancial and informing us about the experience you had with our company. We review each customer’s feedback and always encourage customers to leave honest reviews of our services. I am sorry to hear that you had a negative experience and apologize for the delays and any inconvenience we may have caused. Easyfinancial partners with many different businesses like ******* which gives customers a chance to buy high-priced items through financing. In this case, the customer ordered a product on September 5th and was set up for weekly payment to come out of his account. Once the customer let easyfinancial know he had canceled his order, the agent noted the file saying the account would be refunded in 10 business days and let the customer know. At this time we can confirm the loan has been paid out fully and there is no longer any financial obligation for the customer. We can also confirm the customer has been sent his owed refund of $25.60 as of September 27th, 2022. Again we would like to apologize for the delay and any inconvenience we may have caused. If you have any further comments, questions, or concerns please don’t hesitate to contact us at 1 *** *** ****.

• Initial Complaint

  Date:13/09/2022

  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.

  Easy Financial employees harass you with a million phone calls if your account falls one day after due date. They even found the number of my landlord ********* and called her to harass. They sent me threatening emails saying that if I don't pay them they will call my employer and landlord. I asked them to follow normal protocols and send the account to collections if I have defaulted but they keep ********* me with phone calls *** ******* especially Mr A. from the Yonge Street branch. They called 14 times from no caller ID everyday.
  I will appreciate your swift response so I can bring your account back up to date. Let us work together to stop negatively affecting your credit and for us to prevent showing in your credit report for 7 years. If we don't hear back from you further action will be taken by calling your references and your employer. To avoid this all please contact us ASAP so we can find a solution for you."
  This was what he wrote in his email which i have proof of. They can follow protocol and send it away for default but ********** and ********* my employer and landlord is illegal.

  Business Response

  Date: 19/09/2022

  Easyfinancial would like to
  address this complaint. A member of our resolutions team has reached out and
  connected with the customer regarding this matter. None of the contact
  information was obtained illegally and was provided by the customer when they
  applied for a loan. It is a part of the application process to get this
  information from the customer in case we can’t reach them when they are past
  due. Multiple contact attempts were made to the customer prior to the
  references being called. Understanding this is frustrating, to avoid this in
  the future the customer can let us know prior to the due date that they cannot
  make the payment. That way they can reach a solution with the branch, and collection
  calls would then not need to be made. If the customer has any more concerns
  they would like to discuss, they can call the resolutions team at 1-************.