Complaints

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

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  Affinity Credit Solutions

  202 10217 106 Street NW Edmonton, AB T5J 1H5

  
• 

  Affinity Credit Solutions

  Suite 202 10217 106 Street Edmonton, AB T5J 1H5

  

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:25/03/2025

  Type:Service or Repair 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 not liable for this debt with Affinity I do not have a contract with this collection agency. They did not provide me with the original contract as requested. I demand this be removed from my credit report

  

  Business Response

  Date: 27/03/2025

  
  Affinity Credit Solutions was hired by our client to collect an overdue account from the complainant. The complainant has failed to contact our office to discuss her outstanding balance owed to our client. If the complainant disputes this debt, she must contact our office and provide details of her dispute so we may conduct an investigation with our client. The collection item reported by Affinity Credit Solutions on the complainants credit file will remain in place unless we are instructed by our client to remove it.

  Customer Answer

  Date: 02/04/2025

   
  Complaint: 23115106
  
  I am rejecting this response because:
  Like stated, I'm not liable for this debt with Affinity I do not have a contract with this collection agency. They did not provide me with a contract as requested. I demand this be removed from my credit report
  Sincerely,
  
  ****** ***

  

  Business Response

  Date: 06/04/2025

  To date the complainant has not contacted us to discuss the  debt nor to request a copy of the contract with our client.

  There are protocols that must be followed in order for a proper investigation to be initiated and to obtain a breakdown of the debt owing. 

  The collection item reported by Affinity Credit Solutions on behalf of our client will remain in place until we have been instructed otherwise by our client.

  We recommend the complainant ************** contact our office to speak to one of our agents.

  
  

• Initial Complaint

  Date:04/02/2025

  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 am not liable for this debt with AFFINITY CREDIT I do not have a contract with Business Headquarters Location address:********************************************.

  

  Business Response

  Date: 19/02/2025

  We were retained in March ************************************************************************************************************ ***** *****. To date she has not responded to our communication attempts made by phone, email and letter and no payment has been received.The debt was reported as delinquent to her credit bureau record on June **, 2024.

  The breakdown of the debt is as follows:

  Rent Arrears                       $****
  Insurance Fee                     $**
  Maintenance Charge          $***

  Less Security Deposit       -$***

  Current Total Balance Owing $****

  A copy of Ms.****** application, lease agreement, and move out statement are available for her review. She may contact us directly to make suitable payment arrangements at ************* or toll free **************

   

• Initial Complaint

  Date:07/12/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was sent to collections by AMA, they did not notify me of this because I moved and changed my phone number, which is understandable. I have zero complaints with AMA. My complaint is with affinity credit solutions. They sent me a demand to pay IMMEDIATELY or face a stain on my credit for 7 years, or 2029. They gave me zero notice to pay the balance. ZERO.
  
  How could they? They didn't have my phone number or address. BUT they had my email. And I did not receive any heads-up, or a willingness to work with me to resolve the solution.
  
  The specific agent I dealt with was *** *********. She sent me a demand letter on November 29th 2023, stating that if the balance of $538.19 is owing and is due on November 29th 2023 (The SAME DAY) or they would report it to the credit bureau.
  
  So, with zero notice, I've been reported to the bureau with a stain on my credit for 7 years because they are so obtuse, they couldn't even work with me to get it paid off. I asked for a two week extension in my emailed reply, and they never responded to my email. Simply just followed up with ANOTHER rude email, attempting to intimidate me into paying a bill I had no idea had went to collections.
  
  Yes, I forgot about a bill, and it went to collections, but I've never worked with a business that wasn't able to try and understand that I've had zero notice about the is collections bill, and then work with me to resolve the issue BEFORE it gets reported.
  
  I would have LOVED the opportunity to pay the damn bill, or at least negotiate some time to pay considering they gave me ZERO days notice.

  Customer Answer

  Date: 20/12/2023

  Hey this complaint has been resolved.

• Initial Complaint

  Date:09/01/2023

  Type:Service or Repair 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.

  Spoke to your agent *** on 28 Oct./22 when it came to my attention there was an issue with my credit rating! Called AMA to inquire. They advised it could’ve due to their transfer of info. to a new system. It was dealt with on the 28th Oct./22. They advised new info. would be sent with Oct./22 “batch” to Affinity. I also sent a copy to *** that day and sent 2 inquiries that day to *** to confirm receipt. No response. Not to mention my phone contact has been the same for over 20 yrs. Today 09 Jan./23 I found out there has been no action by Affinity to update the error! And this year all ******* is all automated! Oh joy! So, I found this on your website. Maybe now it will get actioned???!!!

  

  Business Response

  Date: 13/01/2023

  On August 24, 2017 you emailed us wanting to know
  why your account was sent to collection. Our agent directed you to contact AMA regarding your debt for the amount of $256.16. You did not respond further until October
  2022.
  
  On October 28, 2022 you called and spoke to our
  agent *** and stated that you were declined for a utility account due to this collection
  item. The agent was helpful and answered all of your questions and concerns
  regarding AMA and your previous communications with them.  She advised you that the account remained
  unpaid and you said you would contact AMA and call us back. She confirmed your
  email address and she agreed to send you an email with her contact information. After
  the email was sent, she left you a phone message and email the same afternoon requesting your new
  mailing address to send you a notice, however there is no record that this was provided to her. 
  
  You paid AMA directly with a credit card later on
  the same date of October 28, 2022 and forwarded the receipt to us for confirmation.
  We posted the payment to your account the same day and subsequently reported your account to ******* and ********** as paid in full. Our reporting is submitted on the 15th of each month therefore this was sent on November 15th, 2022 and can be expected to updated by the bureaus within 45-60 days from the date of reporting.