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: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.

  Ongoing unresolved issue with Financeit / ****** ***** — poor communication and questionable lending practices
  
  We’ve been trying to resolve a serious issue with Financeit (under ****** *****) for months—and despite multiple calls, written communication, and a formal dispute letter, we have yet to receive any meaningful response or resolution.
  
  Our issue concerns Account Number *********, a loan initiated in 2017 for a Jacuzzi hot tub. The agreed interest rate was 6.99%. However, in 2022, we discovered—without any prior notice or consent—that the interest rate had been unilaterally increased to 12.99%. This was never communicated to us in writing, and we never received the letter Financeit claims was sent on August 19, 2022.
  
  Despite speaking with two of their representatives, including an acting supervisor (*** *** ******), and sending a detailed formal complaint on May 12, 2025, the company has failed to follow up or address our concerns. To date, we have paid over $11,394.29 on this $9,995 loan—more than $8,300 in interest alone, with a remaining balance of over $6,200. This projects to a total repayment of over $17,500, which is an excessive and unjustifiable amount that we believe violates fair lending practices.
  
  We clearly requested:
  • Proof that the interest rate change was lawfully communicated.
  • A proposed resolution that includes adjusting the overpaid interest and settling the balance fairly.
  
  To date, we have received no formal response.
  
  This experience has been exhausting, unfair, and highly unprofessional. We’re now preparing to escalate the matter to Consumer Protection Ontario and other regulatory bodies if it is not resolved. We would strongly caution anyone considering financing through Financeit or ****** *****. Our experience has been one of poor communication, lack of accountability, and potential breach of contract.

  Business Response

  Date: 04/07/2025

  Hello ********, 
  
  Thank you for bringing this matter to our attention. We appreciate the opportunity to provide clarification regarding the concerns raised by yourself about the interest charged and the renewal of your loan. 
  
  After reviewing the account and loan documentation, we would like to confirm the following: 
  
  Adam & ******** ****** entered into a loan agreement with **** ***** ****** ****** ******** for a 60-month term at an introductory interest rate of 6.99%. As outlined in the signed loan agreement, the loan was subject to an amortization period of 180 months. This structure means that at the end of each 60-month term, the loan would automatically renew for another 60-month term, subject to a new interest rate and adjusted monthly payments, until the amortization period was completed or the loan was paid in full. 
  
  This renewal process is detailed in the terms and conditions of the agreement, ***** ** **** ******** *** *********. It is also important to note that the initial 6.99% rate only applied to the first 60-month term, after which a revised rate would apply for any renewed term as per the agreement. 
  
  That said, our records indicate that Loan #********* is now closed and fully paid. For your convenience, we have also attached a copy of the official loan closure confirmation letter. 
  
  We understand that loan terms can sometimes be complex, and we are happy to further discuss any questions or concerns to ensure full clarity. 
  
  Warm Regards, 
  ******** **********

  Customer Answer

  Date: 04/07/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because your company has acted in extremely bad faith throughout this entire process. You sent us a letter (loan renewal letter which we never received nor did you confirm receipt of such a letter and when we did finally review it, it indicates there is NO amount outstanding. An error clearly made on your part. Yes we have closed this loan today but make no mistake we have no problem sharing our terrible experience and your lack of oversight or ability to take accountability for your own mistakes and errors on formal correspondence. To us, this company is a joke and we will make sure to share our experience far and wide. Goodluck. 
  
  
  
  Sincerely,
  
  
  
  ******** ******

• Initial Complaint

  Date:02/06/2025

  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 purchased an ATV and the financing is through FinanceIT. As per the contract I am to be charged bi weekly payments of the amount of $230.98.
  
  At the beginning of April I changed my payment dates from Tuesdays to Friday to better line up with my pay day. The payment date changed from April 8th to April 11th but I was charged twice on April 11th 2025. I called to resolve this and was told the overpayment could not be refunded back to me. Because of this error I have had numerous payments bounce and NSF charges as I cannot afford to pay more than the agreed upon amount. I was forced to put a stop payment for the payment that was due on April 25th 2025.
  
  I have attempted numerous times to resolve this with customer service and even supervisors but keep being told that my account is in arrears, which is not true. I paid twice for the month of April as per the contractual agreement. I’ve had other payments and loans impacted resulting in numerous NSF charges and now notices stating my credit is being impacted. THIS IS NOT OKAY OR LEGAL.
  
  I need support on resolving this matter.

  Business Response

  Date: 20/06/2025

  Hello *******, 
  
  Thank you for bringing this matter to our attention. We appreciate the opportunity to provide a response regarding your concerns. 
  
  Upon reviewing the account, we confirm that yourself signed into our secure online platform and manually changed the monthly payment scheduled. This action was completed by yourself on April 10th, 2025 and at that time, confirmation was provided both on screen and via follow-up email that you've approved to change the next payment date from Apr 22, 2025 to Apr 11, 2025 which also moved all future payments. Additionally, a document outlining the revised payment schedule, including the new due date of April 11th, 2025, was sent to you. 
  
  It's important to note that changes made by the yourself through our platform are not reversible after submission, as they are processed based on the authorization provided at the time of the change. This process ensures transparency ad control for our customers while maintain the integrity of the system. Given that you independetly updated your payment date and received multiple forms of confirmation, we are unable to issue a refund in this case, as the transaction was valid and authorized. 
  
  Warm Regards, 
  ******** **********

• Initial Complaint

  Date:23/05/2025

  Type:Order 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.

  In 2022 i did business with **** financial regarding a loan to pay for some **** renovations.
  I paid the loan out in full and requested via email something verifying that i had paid out the loan in full, as well as the fact that there was nothing attached to my **** or property. I never received anything pertaining to that. All i have received is emails stating that the loan has been paid out in full, I am now refinancing, and have been told that Financit is STILL on the TITLE to my ****. Three years later!! I have continuously requested that they remove anything that they have held tied to my **** for the past three years and i have been told that it will be up to or more then 8 MONTHS to have their company discharge their name from the title of my ****. This has caused my refinancing to be ruined, as well as the fact that when i sell my **** financit is STILL ON MY TITLE! I have sent numerous emails requesting they immediately remove this, as well as escalating it, and have been IGNORED. My lawyer has sent emails, of which are ignored, he is authorized to act on my behalf, and they are ignoring him, ignoring my emails, and only sending a pat letter stating yes my loan has been paid off thank you. Its UNACCEPTABLE that no one in the past three years has done anything about this, and that at this point in time, even though my loan was paid out in full on time, i am still being ****** and ******** and put off like this. Its terrible and bad business and cannot understand how this is allowed to happen. I would like this to be taken care of immediately as the lawyer has stated theyve dealt with discharges before and its taken a couple of days NOT 8 MONTHS LATER this is insane. I was told via email i would have a paid in full letter sent to me, and nothing has EVER been sent to me whatsoever. I am happy to send the emails and communication that i have received showing my efforts to resolve this.

  Business Response

  Date: 26/05/2025

  Hi ******, 
   
  We are sorry to hear about the experience that you have had. We take complaints like yours with the utmost seriousness and appreciate the opportunity to review the complaint. 
  
  Reviewing your account, your loan was previously funded with **** **** Financial on October 26th, 2022 for the total loan amount $17,000 and paid in full on September 7th, 2023 thus, should have prompted the NOSI/Postponement department at **** **** Financial to proceed with your discharge. 
  
  As your loan was migrated to Financeit on April 26th, 2024 I'm deeply sorry that your Notice of Security Interest was not discharged by **** **** Financial before your loan was migrated. 
  
  As of May 15th, 2025 the NOSI Registration Number: ******** has been submitted for discharge with the *** ********* Land Registry office. The processing time for the completion of the discharge their office, has provided us with a timeline of 8 weeks - 6 months. 
  
  I understand you mentioned, "I was told via email i would have a paid in full letter sent to me, and nothing has EVER been sent to me whatsoever."  However, I've noticed that you've provided the following ********** when submitted your complaint which is a letter from Financeit indicating the NOSI discharge has been submitted. 
  
  Would you like me to revise the letter to include the following date your loan was paid in full?
  
  Please let me know if you have any questions or concerns. 
  
  Warm Regards, 
  ******** ********** 

  Customer Answer

  Date: 28/05/2025

  
  
  Complaint: 23366854
  
  
  
  I am rejecting this response because:  The response time and lack of ***** ****** in this business and their dealings leave no room for trust or reliability,

  The response that they had sent me was ONLY due to the fact that i have now involved a lawyer, whom this business is effectively REFUSING to deal with.

  He has sent numerous emails as well as i, requesting that they have verification that ive authorized him to act on my behalf. 

  The most RECENT email that this business has responded with was a corrupted pdf file that was completely unuseable, and not readable,

  To this date, this company has continued to give my lawyer and I any explanation as to why there HAS NEVER been ANY discharge letter sent or as to why THE COMPANY IS STILL ON MY TITLE EVEN THOUGH MY LOAN HAS BEEN PAID OUT MORE THEN THREE YEARS AGO.... The discharge at this point is only showing as requested because i repeatedly phoned the company almost every morning as well as going on linked in, as well as contacting the better business bureau as an advocate to request that this company immediately and with an escalated response REMOVE THEIR NAME from the TITLE OF MY ****. This created a massive issue with refinancing as well as the fact that i am selling my **** only to find out that this company still holds ties to my ****.

  I will happily email you the responses I've received which are severely lacking and only promising a letter which ive been told is NOT supposed to take 8 MONTHS<<< MONTHS,, to receive. 

  This company and its response and lack of response is immoral unethical and are actively attempting to avoid speaking with my lawyer so that he can escalate the issue and ensure that i will have this companies name removed entirely from the Title of my **** as soon as possible.

  This should have been done at least TWO YEARS AGO,

  I expect that this be taken care of immediately and is escalated to the highest power.

  The email that this company is referring was only sent to me two weeks ago, stating that the discharge has been requested. Yet i have numerous emails three years ago requesting that i recieve proof that my loan was paid in full and that anything the company held tied to my **** was immediately removed.. The only thing i kept recieveing was an email stating the loan was paid in full and the company no longer had any affilitiations with my ****. Which was absolutely WRONG as i find out now at this point in time..

  I am DISGUSTED with this company and the way they have completely Mishandled this issue without resolving what should have been put forth three years ago or more.

  I am Disgusted by the fact that this company CONTINUES to avoid any responsibility by continuing to avoid my lawyers emails, as well as my phone calls and emails stating that he has authorization to act on my behalf. 

  I want this resolved as soon as possible, and we both know that a discharge does NOT take 8 months to be done. According to the lawyer, he has done discharges that take up to three days.

  I expect that this matter is resolved to my satisfaction entirely as i am pushing forward to escalate this in every way. 

  This company should NEVER have been LEFT on my TITLE of my **** for up to three years afterwards after my loan was PAID IN FULL.

  I have done my due diligence and completed my end of this contract. This company continues to show how little they care for their clients or their responsibilities, 

  Again, the response i have recieved is not satisfactory whatsoever. The email stating that there is a discharge in request was only sent to me a week or so ago. Not three years ago like it should have.

  Now i am unable to sell my **** at this point in time due to this!!!, i have a job waiting for me, a new **** waiting for me, and i cannot now sell my **** due to this company STILL being on my title three years later!!!

  NO ONE from this company has responded to me directly apologizing for this massive mistake on THEIR PART, and no one from this company has escalated this and ensured that i will in fact see them REMOVED from the title of my **** as soon as possible, in an escalated process, That is what i want. I want this escalated, i want their name off the title of my ****, i want the discharge papers put in place with an expedited process to resolve THEIR MISTAKE.

  My lawyer has again attempted to reach this company today only to have a corrupted file sent to him with no way of responding. This makes me believe that this is now being done purposely because i cannot believe that any major company would perform so poorly in terms of simply sending off an email in response to a clients lawyer requesting verification and authorization. 

  I look forward to hearing back from someone in upper management to resolve this issue and to resolve their mistake as soon as possible, 

  A phone call apologizing as well as letting me know what this company is doing to resolve this asap would be welcome.

  Thank you

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

  Business Response

  Date: 20/06/2025

  Hi ******, 
  
  We sincerely apologize on behalf of **** **** Financial for the inconvenience caused by the delay in processing your discharge. While this issue occurred prior to our servicing of our you account, we understand how frustrating this experience must have been and we regret any confusion or disruption it may have caused. 
  
  Your first interaction with Financeit was on May 12th, 2025 @1:23PM where you informed our customer service team that you've not received a loan closure confirmation letter from the previous company (**** **** Financial) and also mentioned that your lawyer informed you that the previous company (**** **** Financial) had not processed the discharge. During that conversation, our representative actioned upon your request and reached out to the appropriate team within Financeit to submit the discharge request the following day. 
  
  The processing time for the discharge is dependent on the provincial ministry (**) and is beyond our control.  We are waiting for the results from the provincial ministry.
  
  We will let you know once the discharge has been completed and send you a copy of the discharge document.
  
  Warm Regards, 
  ******** **********

• Initial Complaint

  Date:12/05/2025

  Type:Order 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'm advocating for my parents. They are seniors. My dad is on the spectrum (high functioning Asperger syndrome) and on top of that is showing signs of cognitive issues. Unfortunately this makes him a high target for ****s. He ended up purchasing 6 smoke sensors, 6 water sensors, 3 CO sensors, 1 Comm-Link, 3 Heat sensors, 1 Bed shaker by a door to door sales person. Total price was $8294.72 including $500 for installation fee which consisted of products being stuck to the wall or ceiling with double sided tape (which has since fallen off). The company is *** ******* ****** * **** ********* and they partner with FinanceIt. The loan is $101.73 a month for 5yrs with high interest rates of 12.99%. The sales person was good at his job and very persuasive. My parents were told these items were necessary and could save their lives. Being elderly and my dad's condition they bought into this ****! This was back in April 2023 but sadly we are just finding out about the gravity of the situation. They have paid over $2000 in the past 2yrs and now they would like to stop payment and return the products. The company does not do check-ins or render any services. I have called *** ******* ****** * **** ********* but they only give me the run around and avoidance. It's impossible to get in contact with FinanceIt. I know that there is a Class Action against FinanceIt *** ****** ********* ** *** *******. Unfortunately we are not able to be apart of that as FinanceIt is based in Toronto and my parents are in BC. This information was told to me by *** ******** ****** *** *** *******. Our wish is to stop payment of this loan and to return these products as my parents were duped into this loan.
  
  I was told by your company BBB in Toronto that because I am advocating for my parents as they are not able to do so for themselves that you would be sending me a consent form for them to sign and return back to you. I sincerely hope you can help us with this concern. Thank you for your help!

  Business Response

  Date: 29/05/2025

  Hi ******, 
   
  We are sorry to hear about the experience that you have had with our Customer Service team at FinanceIT. We take complaints like yours with the utmost seriousness and appreciate the opportunity to review the complaint. 
  
  May I please have the LOAN ID? 
  
  Warm Regards, 
  ******** ********** 
  
  
  

  Customer Answer

  Date: 13/06/2025

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********. I am providing the Loan ID as requested by ******** ********** Customer Service Team at Finance IT.

  Loan ID # *******

   

  Thank you
  
  
  
  ****** ***** *** ******* *******

  Business Response

  Date: 30/06/2025

  Hello ******,
  
  Thank you for providing your account number. This loan remains open and active, and our department will not be stopping payments as this is out of our control. You can cancel the pre-authorized debits which you are within your right to do, but in doing so your account will fall into arrears and will be subject to our normal collections process, non-payment will have the usual consequences, and we are not aware of any suspension of same. Currently, Loan #******* for ****** ***** is in good standing and no payments have been missed. 
  
  Financeit provides loans to consumers who are in need of financial assistance to purchase HVAC equipment amongst other goods and services. You were approached by *** ***** ****** * **** ********* *** who used Financeit for financing as you opted for financing for the Fire and water system. 
  
  This loan was funded on April 24th, 2023 where you completed our application process which included, a credit check to verify you're qualified and approved for a loan, proof of identity, banking information to confirm you would be financially stable to make payments and lastly a release of funds. This step consists of you providing Financeit authorization to release the funds (money borrowed) to the merchant for the work that was completed in your home on  April 24, 2023 20:49
  
  From the time of April 24th, 2023 up until today, payments are being made on time, and no issues has been brought to our attention until March 24th, 2025 where you received a payment reminder for your next payment due and you responded with the following, "Please cancel my account. I do not want to continue my services with you." You were informed by our customer service team that all cancellations need to be approved and completed by the merchant *** ***** ****** * **** ********* *** as you'd need to speak with them first for any issues relating cancellations, service, repair or maintenance. 
  
  Regarding the signed loan agreement we have on record for ****** ******* ***** it indicates that he has acknowledge and understood the terms and conditions of this agreement. 
  
  Please be advised that your agreement is not a renewal contract (as a rental company) but, rather a loan agreement between yourself and Financeit. As such, we are not authorized to cancel the contract without a formal approval from the merchant. We kindly recommend that you contact the merchant directly regarding your cancellation request.
  
  Warm Regards, 
  ******** **********

  Customer Answer

  Date: 17/07/2025

  Hello,

  The reason I am rejecting the response from Financeit is because they have NOT address the real reason for this complaint. As stated before the company that Finaceit used *** ***** ****** * **** ********* *** took advantage of my elderly parents and convinced/persuaded them that they needed a product that they actually DO NOT NEED. My dad is on the spectrum and has cognitive issues. All these things had a bearing on him being pressured to buy a product that was not necessary and doesn't work. We (my husband and myself) have been at the house. The product fell off the ceiling where it was just mounted with double sided tape. We have also been there were my parents had a water leak and the product did not alert them to it. My husband who is a plumber was able to fix the problem. I have tried to call *** but they refuse to answer any concerns that I have and only get the running. After I contacted *** they sent ****** *** *** ***** the original sales man after 2 months. My parents were alarmed and my dad did not remember him. I had to ask him to leave. I do not appreciate him showing up unannounced to try and intimidate my parents. Moving forward please DO NOT contact My parents unless I or one of their adult children is present. My niece was home and called me to tell me he was there. I then called ****** and after telling him 3 different times I was not interested in the product that he sold my parents he still persisted several times to convince me the product was legit. I'm of sound mind and body and I still felt pressured after saying no multiple times. How do you think an Elderly man who is on the spectrum and is dealing with cognitive issues is going to respond? ****** assured me that his boss ****** would call me to resolve this issue in a day or so......I'm still waiting for that phone call. It's been almost a Month. This company preys on the vulnerable. All we are asking is that they stop payment. They have already gotten over $2000 from my parents already. My parents are on a small pension and cannot afford to pay this exuberant loan for a product that they do not want or need. We are will to pack up the product and send it back to the company. I have already mentioned this to ****** *** *** *****. I am only looking out for my parents who were duped and unfortunately are prone to scams like this. They have been living in their house for over 30yrs and have been fine without this product. They were a target and it's NOT ok!!!

  Thank you 

  *******

• Initial Complaint

  Date:07/05/2025

  Type:Order 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.

  To: Better Business Bureau
  Subject: Formal Complaint – **** ***** Project Loan Account Issues and Contract Breach
  
  Dear BBB Representative,
  
  I am filing a formal complaint against the **** ***** Project Loan Program (or its affiliated financial institution) due to ongoing issues that remain unresolved and are impacting both my finances and contractual obligations.
  
  On April 15, 2025, I ordered my project loan card as part of the approved financing agreement. As of May 7, 2025, I still have not received the loan card, which is a fundamental part of accessing the approved funds. This failure is causing significant delays to my construction project and violating the agreed terms of the contract.
  
  In addition, I have discovered duplicate charges on my account. On May 1, 2025, two charges—one for approximately $8,000 and another for $268—appeared in pending status. On May 6, these same charges appeared again as posted, while the original May 1 charges are still pending. This effectively doubled the charges and reduced my available credit, obstructing the intended use of the loan and creating financial hardship.
  
  Efforts to resolve this have been frustrating and unsuccessful:
  
  The email address provided by the company is not functional and returns error messages.
  
  Customer service is unreachable despite repeated attempts to contact them.
  
  I have spent hours on hold and have not been able to speak to a representative to resolve these critical issues.
  
  This level of service is unacceptable and reflects a breach of contract, mismanagement of customer funds, and a lack of accountability. I am requesting the BBB’s assistance in holding this company accountable and ensuring:
  
  Immediate resolution of the duplicate charges;
  
  Prompt delivery of my project loan card;
  
  A formal response from the company outlining how they intend to prevent such errors in the future.
  
  Thank you for your assistance in this matter.
  
  Sincerely,
  ******* *****

  Business Response

  Date: 15/05/2025

  Hello *******, 
  
  We are sorry to hear about the experience that you have had with our Customer Service team at FinanceIT. We take complaints like yours with the utmost seriousness and appreciate the opportunity to review the complaint. 
  
  Reviewing your Loan #******* currently, I see the total loan amount as of today May 15th, 2025 is $8,282.47 (below) is where you'll find the amount including the date of the transactions made. 
  
  Your purchase of $426.01 made on Sunday, April 27, 2025 
  Your purchase of $531.57 made on Sunday, April 27, 2025
  Your purchase of $50.83 made on Sunday, April 27, 2025
  Your purchase of $112.95 made on Saturday, April 26, 2025
  Your purchase of $2,771.89 made on Thursday, May 1, 2025 
  Your purchase of $262.27 made on Saturday, May 3, 2025
  Your purchase of $268.94 made on Tuesday, May 6, 202
  Your purchase of $203.37 made on Monday, May 5, 2025
  Your purchase of $168.37 made on Saturday, May 3, 2025
  Your purchase of $61.95 made on Monday, May 5, 2025
  Your purchase of $603.42 made on Saturday, May 3, 2025
  Your purchase of $1,111.92 made on Saturday, May 10, 2025
  Your purchase of $644.10 made on Saturday, May 10, 2025
  Your purchase of $430.49 made on Saturday, May 10, 2025
  Your purchase of $634.39 made on Monday, May 12, 2025
  
  ********* ****** **** **** *** ******* ********* **** ***** ***** **** * *** ***** **** ***** **** ******* *** ************  ***** ****** *** *** ****** ***** ** ** **** ** ******** ** **** **** ******* ********** 
  
  With regards to your double payment I do see attempts where an online order was trying to be processed for the amount $8,270.47 which was not processed. Another attempt was made on May 11th, 2025 for the exact amount which is still pending to be applied/ included in your loan amount. 
  
  Just to confirm, did you make a purchase for the following amount via, online? 
  
  I apologize but, the email address [email protected] is experiencing difficulties and is not in use at the moment. If you require further assistance from a customer service representative you can feel free to call 1-************ or email *********@*********.io at anytime. 

   

  Warm Regards, 

  ******** ********** 

• Initial Complaint

  Date:06/03/2025

  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.

  Company launched a hard inquiry against my credit without my consent

  Business Response

  Date: 21/03/2025

  Hi *******, 
   
  We are sorry to hear about the experience that you have had with our Customer Service team at FinanceIT and our partner ******* *******. We take complaints like yours with the utmost seriousness and appreciate the opportunity to review the complaint. 
  
  Upon reviewing your account your application was open on March 4th, 2025 as you had a home appointment with the Merchant and provided permission for credit check to be completed. Although, on March 6th, 2025 you decided to cancel the order and you were concerned about the credit check being a hard hit and how it may impact your credit for your mortgage renewal. 
  
  We received the request from ******* on March 13 and responded within the 10 business day timeline on March 20. It will approximately take 10 business days for ******* to process the request on their ends. 
  
  Warm Regards, 
  ******** ********** 
  
  

  Customer Answer

  Date: 21/03/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: I did not give permission to do a credit check for the purpose of applying for a loan. I had an appointment at my bank *** today. Legally Financit is required to obtain my consent in moving forward with a loan application. Only verbal consent is required for a credit check. I DID NOT GIVE CONSENT TO ANY TRANSACTION REGARDING FINANCIT!!! I didn’t sign anything, I didn’t give verbal consent. I didn’t get any emails/correspondence/carrier pigeon note/smoke signal, nothing from Financit or from *******. I didn’t get any documents from either company whatsoever!! Not even after the fact!!! I agreed to see if I would qualify for the energy efficiency government grant. **** *** ******** ********** ********** *** *******!! *****!! ****** ****** the rep who ******* sent to estimate price for the basement windows only. ****** ****** **** and I will be seeking legal action against him both personally and **********. I said I would consider their estimate after looking into other companies. At no point did I agree to a contract with this company. As per my scheduled appointment, it was for a free estimate of my basement windows only. The merchant took ********** liberties. ****** ****** was hoping I would say yes and went ahead and applied. He blew up my phone in the next 24hrs when I didn’t respond. My lawyer’s appointment is tomorrow in regards to dealing with the sales rep. The owner **** of ******* had to audacity to ***** me with a “deal” on windows if I took my ****** Review down. This after asking me why I needed good credit in the first place. I told him it’s a absolutely none of his business!! Disgusting. Refer to their recorded conversations. At no point did I disclose my person information why I didn’t want them inquiring on my credit. ****** **** ****** **** **** ***** ** ***** * ***** *** ********* **** *** ** ********* **** *** *** *** ** ********** 

  
  
  Regards,

  
  
  
  ******* Godsall

  Business Response

  Date: 31/03/2025

  Hello *******, 
  
  I sympathize and understand your frustration with ******* ******* as you've had an unpleasant experience with one of our partners. 
  
  Financeit proceeded with the credit check as the merchant informed us, that you gave permission for credit check to be completed during in-home appt. We've completed both ******* request and have submitted back for further review. 

  Please let us know if there's anything else you need from Financeit. 

  Warm Regards, 

  ******** ********** 

  Customer Answer

  Date: 08/04/2025

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

  The hard inquiry is still showing on my credit report. I need Fiancit to retract it. As per my ******* statement, this inquiry is impacting my credit score. ******** ** *** ******* ************ **** *****

  Regards,
  
  
  
  ******* ******* ** ****

  Business Response

  Date: 17/04/2025

  Hi *******, 
  

  Financeit has received three consumer disputes listed below including the dates, which our team has action on each ticket and submitted back to ******* for review. Unfortunately, you'll need to contact ******* to inquire about status on your ticket. 

  Date: March 18th, 2025
  Ticket # ***********
  
  Date: March 13th, 2025
  Ticket # ***********
  
  Date: March 6th, 2025
  Ticket # ***********

   

  Warm Regards, 

  ******** ********** 

  
  

  Customer Answer

  Date: 28/04/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  The fact that there are three dates indicated with *******. What is relevant is that all investigations launched with ******* pertaining to the same issue of ***** ****** on behalf of ******* ************ applied for $100,000 loan with Financit in my name without my consent. The loan I may add is 5 times greater than the estimated amount for the service. A police investigation is under way to lay criminal charges against ***** ****** and *******.

  
  
  
  ******* ******* **** **

  Business Response

  Date: 07/05/2025

  Hi *******, 
  
  As mentioned, your application was open on March 4th, 2025 as you had a home appointment with ******* ******* and provided verbal permission for a credit check to be completed. Although, on March 6th, 2025 you decided to cancel the order as you were concerned about the credit check being a hard hit and how it may impact your credit for mortgage renewal. 
  
  Financeit has received the following tickets below, and have responded back to *******. 
  
  ******* Date: March 18th, 2025
  Ticket # ***********
  
  Date: March 13th, 2025
  Ticket # ***********
  
  Date: March 6th, 2025
  Ticket # ***********
  
  Your loan with Financeit has been canceled. If you require a letter or documents stating such information, please do let me know. With regards to your dispute with ******* ******* you'll need to formally address your concerns with their team directly. 

   

  Warm Regards, 

  ******** ********** 

  Customer Answer

  Date: 07/05/2025

  
  
  Complaint: ********
  
  
  Unless Financit withdraws the credit check in a week’s time, I will name Financit as a collaborative partner in the current ******** investigation for ***** and ************** against ***** ****** and *******. Both ******* and ***** ****** are facing ******** charges for both. No further discussion is required. I never consented to any project or any credit check at any time for the purpose of hiring this merchant. In case you aren’t aware, you don’t need to undergo another stress test for mortgage renewal. The accusation that I need good credit for this is just sad and baseless a quite frankly disgusting. Based on vulgar ************** comments made by ******* on social media about ****, the ******** charges against them will reflect this. I am happy to include Financit with charges of ***** and ************** as I am sure your comments and speculations about my financial standing are reflective of your ****** views and ************** ** * *****.

  Let me know if you need further clarification on this.

  
  
  
  ******* ******* ** ****

  Business Response

  Date: 15/05/2025

  Hello *******, 
  
  On March 8th, 2025 Financeit has requested and contacted ******* for a removal on the credit check. 
  
  Warm Regards, 
  ******** ********** 
  
  

  Customer Answer

  Date: 22/05/2025

  
  
  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:18/12/2024

  Type:Order 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.

  FinanceIt works with ********** ***** ***** and covered loan on install and product. Company has closed and I am being charged for equipment (heat pump head) that never worked and was never repaired. Damage done to home as well during install that was never corrected or paid for renovations.
  
  Also paying ******** **** ******* AND FinanceIt for a rental property when the ******** account was supposed to closed and taken over by ****. Account was never closed and FinanceIt continues to charge me in addition to what I am paying ******** for the furnace rental. This has been ongoing since March 2023.
  
  I have contacted FinanceIt and **** over 20 times with no reply or return call to rectify the situation.

  Business Response

  Date: 16/01/2025

  Hi *****, 
   
  We are sorry to hear about the experience that you have had with the merchant ********** ***** **** ********  FinanceIT. We take complaints like yours with the utmost seriousness and appreciate the opportunity to review the complaint. 
  
  I would like to clarify that Financeit operates independently as the lender and is not directly involved in the services or products provided by merchant partners. Please note that ********** ***** **** ******** is no longer an active merchant partner of Financeit.
  
  Upon reviewing both of your accounts you've placed a stop on your payments and both accounts are with our collections department. Where the collection agents have been trying to communicate with you via phone (***** ********) and email ( *****************@******l.com ) but, haven't received a response. 

  
  Warm Regards, 
  Samantha D.

  Customer Answer

  Date: 16/01/2025

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

  your company has joined forces with a ********** company that has not carried through on many of the guidelines of the contract. In addition, payment includes coverage and maintenance for equipment installed, even incorrectly installed, which can’t be completed as the company no longer exists. 
  

  I should not be making payments for faulty equipment nor coverage/maintenance - to you or to them. 
  

  what proof have you provided that you bought my loan from ****** ********* *****. When did I sign that new agreement at new interest 

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

  Business Response

  Date: 28/01/2025

  Hello *****,
  
  As this loan was migrated to Financeit from ****** ***** ********* *********** we do have records of your loan agreement for the below mentioned accounts. 
  
  Loan #************** *** ***** ***********
  Loan #************** *** ***** ***********
  
  ****** ***** ********* *********** provides loans to consumers who are in need of financial assistance to purchase HVAC equipment amongst other goods and services. You were approached by ********** ***** **** ******** who used ****** ***** ********* *********** for financing as you opted for financing for the equipment you had installed in your home. This loan was funded on Apr 13, 2023 and May 2, 2023 where you completed their application process which included, a credit check to verify they're qualified and approved for a loan, banking information to confirm you would be financially stable to make payments
  
  Please review the terms and conditions which is located on your loan agreement. Where it acknowledges the property of the equipment is to be handled by the manufacture as you've requested **** to lend you money for the purchase. Including the section which speaks upon the extension and the renewals after your term has been completed. 
  
  Please let me know if you have any questions. 

  Warm Regards, 

  Samantha D.
  
  

  
  

  Customer Answer

  Date: 29/01/2025

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

  the company, ****, after 18 months of trying to get work done and faulty equipment replaced/repaired, is no longer in business. Part of the contract includes coverage and maintenance over the course of the contract. Who is overseeing that now? You? I am not paying well above market price for faulty equipment and coverage that no longer exists. I have filed a stop payment through my bank and filed a small claims complaint against both **** and FinanceIt for breach of contract.
  
  
  
  Sincerely,
  
  
  
  ***** ***********

• Initial Complaint

  Date:04/12/2024

  Type:Order 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.

  Financeit continues to deduct a payment every 2 weeks regardless the fact that they represent a fraudulent company, ********** ***** **** ********. Contact with Financeit has yielded nothing as they claim to not know who the company is. Financeit also is not assuming responsibility of the contract now that it has been broken, thus leaving me with no remedies to have items fixed. Unless Financeit resumes responsibility of the contract, there is no need to deduct monies.

  Business Response

  Date: 12/12/2024

  Hi ****, 
   
  We are sorry to hear about the experience that you have had with ********** ***** **** ******** and Financeit. We take complaints like yours with the utmost seriousness and appreciate the opportunity to review the complaint. 
  
  You mentioned, "Contact with Financeit has yielded nothing as they claim to not know who the company is. Financeit also is not assuming responsibility of the contract now that it has been broken, thus leaving me with no remedies to have items fixed." Can you please advise as to what part of the contract with Financeit formerly known as, ****** ***** ********* **** has not been honored? 
  
  Warm Regards, 
  Samantha D.
  
  

  Customer Answer

  Date: 21/12/2024

  Complaint: ********
  
  
  
  I am rejecting this response because: the deduction that us taken every 2 weeks is for equipment, however, the equipment does not work or is faulty. That being said, the amount being deducted was pertaining to said equipment being maintained, which is now not happening. 

  Furthermore, the contract was with ********** ***** **** ******** and Simply. There has not been a new contract between myself and Financeit. ***** ****** ***** ***** *** *********** 
  
  
  
  Sincerely,
  
  
  
  **** ********

  Business Response

  Date: 17/01/2025

  Hello ****, 

  
  Please see attached for a copy of your loan agreement (not rental) from ****** ***** ********* ****. 

  
  Warm Regards, 
  Samantha D.

  Customer Answer

  Date: 22/01/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: thank you for sending the loan documents as I was able to review them and see you are ACTUALLY over charging! Based on the original 2.99% plus a year increase of 3.16%, I have calculated that the rate should be 12.47%, however...you are over charging me 13.99%. 

  In addition as originally said in the initial investigation/complaint, this was also to include maintenance/service. As Financeit is refusing to do so, this is a breach of contract. 

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

  Business Response

  Date: 10/02/2025

  Hello ****,
  

  I understand your concerns regarding your interest rate and I'm pleased to extend my offer of a reduction in your current interest rate from 13.99% to 8.99% which will significantly reduce your monthly payment including the amount applied to your interest from your monthly payments.
  
  If you have any questions or concerns please feel free to contact me at your earliest convenience. The next steps will be very crucial when accepting your offer.
  
  In addition to that, please keep in mind the Financeit provides open loans where additional or full payments can be made at any time without any penalty. This will benefit yourself by reducing the length of your agreement including the daily interest per diem.

  However, in regards to your service and maintenance plan Financeit works independently from ********** ***** **** ******** as they're the responsible party for your equipment. As they are no longer in business, it will be at your own expense to service and provide maintenance. 

  Warm Regards, 

  Samantha D.

  Customer Answer

  Date: 15/02/2025

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

  Yes, you are the administrator of the loan of the faulty equipment. And while I appreciate an attempt to reduce the rate, it makes me wonder why the loan continues to be taken out even though Financeit is now in the process of suing ****, *** ***** **** ************ **** ** **** *** ***** *********. 

  ** *** **** ** **** **** **** *** *** ** *** ** ******** ********* *** **** ***** **** **** *** **** *** *** ********** ******* **** ******* ** **** ****** ****** ********

  At this point, the loan should be discharged as you are seeking funds from your court case

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

• Initial Complaint

  Date:12/11/2024

  Type:Order 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.

  26Sept 2024 Install of HVAC ****** Tankless water heater and Heat Pump funds were advanced over the phone to the business when in fact the funds should have withheld until the 10 day cooling period was completed. I cancelled the contract on the 28Sept 2024. Financeit kept stating it was up to the business to resolve this issue. They should be aware of the Consumers rights and factor this when doing business with said companies. Fiannceit has not provided proof of release of funds and now I want to make sure I are not on the hook for the $20,000 and it is removed from my Credit Rating.

  Business Response

  Date: 22/11/2024

  Hi ******, 
   
  We are sorry to hear about the experience that you have had with Financeit. We take complaints like yours with the utmost seriousness and appreciate the opportunity to review the complaint. 
  
  Upon reviewing your account I do see that your loan has been canceled since November 19th, 2024. 
  
  Warm Regards, 
  Samantha D.
  
  

  Customer Answer

  Date: 29/11/2024

  
  
  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:29/10/2024

  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 November 18th, 2023 - I purchased a heat pump, tankless water heater, and attic insulation as part of the ontario home reno project. this was completed through ****. They work in hand with Financeit on getting the funding for the renovations.
  The agreement we signed was for 0.00% for 12 months, after 12 months it would be the market interest rate (currently showing 3.81%. Today October 28th 2024, i received a renewal email from Financeit showing the renewal for this loan is 17.99%.
  I called Financeit to get this fixed and all they could tell me is there are other factors that drive the interest rate up... i currently have a credit score over 725 and have never missed a payment. the agreement with Financeit also says they will provide 60 days notice, the email i received today says the new agreement starts November 18th. which is less than 30 days notice.
  
  ******** ** the copy of the initial agreement signed with **** (right beside the total amount shows fine print of being market interest rate.
  
  i would like this resolved with a reasonable interest rate for the loan.
  
  Thank you,

  Business Response

  Date: 08/11/2024

  Hi *******, 
   
  We are sorry to hear about the experience that you have had with FinanceIT. We take complaints like yours with the utmost seriousness and appreciate the opportunity to review.
  
  Reviewing your account and loan agreement, your loan was funded on November 16th, 2023 where it mentions on your loan agreement the term of 12 months and the amortization period of 240 months with the following monthly payments of $118.32 outlined on the first page of the contract. Including the Terms and Conditions on Section 6. EXTENSION AND RENEWALS - We may extend, renew or amend this Agreement with your consent without diminishing your obligations under this agreement. In addition, if the amortization period is longer than the term, we have the option to renew this Agreement at the end of the term and the annual interest rate for such renewed and amended agreement will be determined by us and disclosed by notice to you. If we choose to renew this Agreement, we will provide you with at least sixty (60) days written notice before the end of the term advising you of (a) the final date of the existing term, (b) the final date of the renewed term, and (c) all required disclosures for the renewed agreement, including the annual interest rate. The notice will tell you that this Agreement will automatically renew unless we receive written notice from you at least thirty (30) days before the end of the term that this Agreement should not be renewed and the outstanding balance (or the amount then still owing on the outstanding balance) should be withdrawn from your bank account at the end of the existing term. 
  
  Warm Regards, 
  ******** ********** 
  
  

  Customer Answer

  Date: 08/11/2024

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  The contract says i will be provided 60 days notice and you gave 21 days notice.

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

  Business Response

  Date: 12/11/2024

  Hello *******, 
  
  Your renewal agreement was emailed to you on Mon, 28 Oct 2024, 2:14 PM indicating your renewal will begin on December 18th, 2024, providing a 51 days notice. 
  
  Warm Regards, 
  ******** **********