Complaints

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

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  MetCredit

  400 10310 Jasper Ave Edmonton, AB T5J 2W4

  
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  MetCredit

  E300 - 6860 Century Ave Mississauga, ON L5N 2V8

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  MetCredit

  600 - 1155 Boulevard Robert Bourassa Montreal, QC H3B 3A7

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  MetCredit

  430 475 W Georgia St Vancouver, BC V6B 4M9

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:16/06/2025

  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 not liable for this debt with MetCredit . I do not have a contract with MetCredit, and they did not provide me with the original contract as requested.

  

  Business Response

  Date: 16/06/2025

  MetCredit was hired by to collect an overdue account from the complainant by his service provider. We have made efforts to communicate with the complainant however he has not contacted us to date.  If the complainant disputes this debt, he must contact our office and provide details of his dispute so we may can conduct an investigation. The collection item reported by MetCredit on the complainants credit file will remain in place unless we are instructed by our client to remove it.

• Initial Complaint

  Date:09/06/2025

  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.

  Summary of the Issue:MetCredit Toronto is reporting a tradeline under account number ********* with a balance of $******, allegedly from ***** Mobility. This appears on both Equifax and **********, but the account is fabricated or falsely inflated.I contacted ***** directly. They confirmed that:My actual account was #********, with a final balance of only $********, which was assigned to MetCredit.***** has no record of any account or debt under number *********.There is no known balance of $****** tied to my name or any account on file.A ***** agent, ******* *******, confirmed this on June *, 2025, and validated both the real account and the fact that the alleged $****** account does not exist in their system.?Violation Summary:MetCredit has:Reported a fictitious account number with an exaggerated balance.Falsely attributed this debt to ***** to make it appear legitimate.Misused my information by attaching a real ***** debt to an inflated, unrelated tradeline.This is a direct violation of the Consumer Protection Act and federal credit reporting laws, and it is harming my credit score. I have submitted proof to both ***** and Consumer Protection ********?Requested Resolution:I request:Immediate removal of the $****** tradeline from all credit reports.Written confirmation from MetCredit that the tradeline has been deleted.A formal apology or explanation for how this false tradeline was created.

  Customer Answer

  Date: 09/06/2025

  Updated Complaint Summary False Debt Reporting by MetCredit
  
  
  This is an updated complaint against Metropolitan Credit Adjusters Ltd. (MetCredit) for reporting a false ***** Mobility debt under account #*********, now showing $******. ***** has confirmed this account does not exist.
  
  
  Since April 2025, *** sent four formal dispute letters to MetCredit via RMail (a legally certified email service), requesting:
  
  Debt validation and proof of assignment,
  Full billing and account history,
  Removal of the tradeline if not validated.
  
  
  
  MetCredit has ignored all written disputes. The only document I received was a ***** bill from October 2021 for $********under a different account number (#*********. Yet ******************** continues to report a much higher balance tied to a fake account.
  
  
  ***** provided chat transcripts (May ** & June *, 2025) stating that account #********* does not exist in their system. MetCredits reporting is false and misleading.
  
  
  Their conduct violates the Ontario Consumer Protection Act, the Collection and ************************ Act, and federal privacy laws under PIPEDA. This **** tradeline has severely damaged my credit score and disrupted my Canadian Armed Forces application.
  
  
  Requested Resolution:
  
  Permanently remove the fraudulent tradeline from Equifax and TransUnion.
  Cease all reporting and further contact.
  Provide written confirmation of deletion.
  Explain how a non-existent ***** account became a reported tradeline.
  
  
  
  All supporting documentation is attached, including letters, ***** transcripts, and proof of RMail delivery. I am prepared to escalate this matter through legal channels and media if needed.
  
  
  Sincerely,
  ***** *****
  ***********, **
  ****************************************
  

  Customer Answer

  Date: 09/06/2025

  enclosed is every single document regarding the fraudulent account ********************** is reporting to the credit bureaus 

  Customer Answer

  Date: 09/06/2025

  part 1 & 2 of documentation regarding met credit 

  Customer Answer

  Date: 09/06/2025

  part 2 of documentation 

  Customer Answer

  Date: 11/06/2025

  On June 11, 2025, I called MetCredit regarding the disputed ***** Mobility debt they are reporting to *******. During this call, an employee confirmed:
  
  
  The account number reported to the ********************** bureau (#*********) is MetCredits internal reference number, not the actual ***** Mobility account number (#*********.
  The current balance of $****** is mostly interest, yet they claimed they are not required to provide documentation showing how that amount was calculated.
  
  
  
  
  This is incorrect. Under Canadian consumer protection laws, debt collectors must validate all charges, especially inflated interest amounts, when requested in writing which I have done via RMail on multiple occasions.
  
  
  Additionally, the way MetCredit has structured the credit reporting makes it nearly impossible to dispute. While ***** Mobility is listed as the creditor, MetCredit is the furnisher. Because the internal MetCredit number is used, Equifax flags disputes as verified simply because their own system matches MetCredits reference not because the original debt has been validated.
  
  
  This tactic obstructs the dispute process and misleads both the credit bureaus and consumers.
  
  
  Although I understand BBB cannot enforce compliance, I request this complaint be publicly documented as I proceed with Consumer Protection Ontario and the *********************************** (****). If necessary, I will pursue civil litigation.
  
  
  MetCredits conduct is misleading, obstructive, and harmful to consumers credit rights.
  
  
  
  ***** *****
  
  
  

  

  Business Response

  Date: 12/06/2025

  MetCredit only acts as agent for ***** and any interest added to the overdue balance is done so on the instructions of ******  A copy of the complainants last billing statement from October 2021 when his account became delinquent is attached. 

  All accounts handled by ******************** are assigned a file number to identify and track all communication related to each debt. The complainants MetCredit file number is *********. On his previous call with a ***** agent,the complainant provided the MetCredit file number and not his ***** account number. This is why it did not come up in their system. 

  If the complainant wants to dispute the account as *****, he may contact ***** and provide them with his ***** account number ******** so they may investigate further. 

  The complainant may contact our office to speak to one of our agents about the repayment options available. Once the debt has been paid in full, his credit record would then be updated to reflect this status. 

   

  Customer Answer

  Date: 12/06/2025

  MetCredits response continues to ignore multiple critical facts and legal obligations.
  
  
  Balance Discrepancy
  At no point has MetCredit provided documentation explaining how this alleged debt grew from $***** to $******. Even the original balance, as previously stated, was around $***** which itself was never verified. There has been a massive and unexplained increase in the amount being reported, and MetCredit has failed to account for:
  
  What charges, interest, or fees were applied
  Who authorized those charges
  When and how I was informed of those charges
  
  
  No Legally Required Documentation
  Despite repeated formal requests, I have not received:
  
  A copy of the original ***** contract or agreement tying me to the account
  An itemized statement showing how the balance increased over time
  Documentation proving that MetCredit is legally permitted to collect interest or fees beyond the original creditors instructions
  
  
  
  
  
  
  Under Ontario Regulation 74/05, Section 22(6) of the Collection and ************************ Act, a collection agency cannot charge fees or interest unless specifically authorized by the creditor and disclosed to the consumer. MetCredit has not provided any proof that ***** authorized this level of interest or that it was disclosed to me.
  
  
  Misuse of Internal File Number
  MetCredit used its internal file number (*********) in place of my actual ***** account number, causing confusion and delaying my attempts to verify the debt. ***** only later confirmed that account number ******** was assigned to ********************. This tactic obstructs my ability to investigate and verify the debt with the original creditor.
  
  
  
  
  
  
  
  
  
  
  Final Position:
  
  
  
  
  Unless MetCredit provides:
  
  
  A full breakdown of how the amount increased,
  A copy of the original agreement,
  Documentation showing ***** authorized these charges, and
  Proof of legal right to add interest,
  
  
  
  
  I will continue to treat this debt as disputed, unverified, and potentially inflated in violation of Ontario law.
  
  
  

• Initial Complaint

  Date:27/05/2025

  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.

  Sister **** phone companies denies reporting to equalfax Metcredit collection needs to remove this falsehood from my credit report

  

  Business Response

  Date: 02/06/2025

  MetCredit was hired to collect overdue debts on behalf of two separate clients from the complainant. The phone number and email address provided by the complainant are not in our system and we would need to confirm the identity of the complainant prior to discussing these accounts. The complainant has failed to contact our office to discuss the outstanding balances owed since the dates of assignment for each account *********** &2024-08-08).

  If these debts are in dispute, the complainant must contact our office and provide details of the dispute so our clients can conduct an investigation.
  The collection items reported by MetCredit on the complainants credit file will remain in place unless we are instructed by our clients to remove it.

• Initial Complaint

  Date:08/05/2025

  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 am not liable for this debt with ******************, I do not have a contract with metcredit, they did not provide me with the original contract as I requested

  

  Business Response

  Date: 08/05/2025

  MetCredit was hired by ************** to collect an overdue account from the complainant. We have made efforts to communicate with the complainant however he has not contacted us to discuss his outstanding balance owed to ***** Mobility.  If the complainant disputes this debt, he must contact our office and provide details of his dispute so ***** Mobility can conduct an investigation. The collection item reported by MetCredit on the complainants credit file will remain in place unless we are instructed by ***** Mobility to remove it.

• Initial Complaint

  Date:23/04/2025

  Type:Product 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 hired Metcredit on October 15, 2024, to collect debt on my behalf from my debtor. Metcredit provided me with a permission to sue form on November 7, 2024, outlining their intention to place a lien on my debtor's property with a retainer fee cost of $300. I paid the $300, and on November 8, 2024, I received confirmation that my agent would initiate the work.On January 28, 2025, my agent sent me an email informing me that the lien has been registered against my debtor's property.On April 14, 2025, I checked the state of the title certificate for my debtor's property and found that there was no lien in place, and the work I had paid for was not completed. The same day, I reached out to my agent via email about this, but I haven't received a response.I sent a follow-up email on April 17, 2025, and still have not received a response. It has been five business days now with no response from my agent, and I am submitting this complaint to try to escalate my issue to a case manager.

  

  Business Response

  Date: 25/04/2025

  The complainant has had many exchanges with our agent updating him on the status of his account was assigned in October 2024. The agent left the company March 31st which is why the complainants email communications were missed. We had his momentary order registered as a judgment with the BC provincial court - see attached copies of Certificate of Judgment and Process Server Invoice. We have attempted to garnish the debtors bank account however no funds were available. We had instructed the process server in December to file a lien on the home and have requested on update on the status of that lien. These efforts were in addition to communication attempts to the debtor by phone, email, mail and SMS. The complainant may call us at ************** if he has any further questions or concerns. 

  Customer Answer

  Date: 29/04/2025

  Complaint: 23241396
  Thank you for your response. Please see my comments:

  Agent Departure and *****************************start="279" data-end="282"> Metcredit admits my emails were missed because my agent left. This confirms they failed to reassign my case or ensure communication continuity.
  Recommendation: Forward outgoing employee emails to a manager or use a shared mailbox to prevent future breakdowns.

  Certificate of Judgment and ****************************start="600" data-end="603"> The invoice shows $161.25 for the Certificate of Judgment. I paid a $300 retainer. Request: Please clarify what services account for the remaining $138.75.

  Garnishment **************start="785" data-end="788"> Metcredit claims a garnishment attempt was made. However, no garnishment was filed in court.
  Evidence: Court document list shows no garnishment filing.
  Request: How was a garnishment "attempted" without a court order?

  Lien *********************start="1040" data-end="1043"> Metcredit says they instructed a lien filing but still cannot confirm completion.
  Request: Please provide proof (e.g., updated State of Title Certificate) that the lien was registered. Until then, this remains material non-performance of the $300 service I paid for.
  Collection Efforts

  Metcredit mentions additional debtor communication but did not specify if these were billed separately or included in fees.
  Request: Provide a cost breakdown for these efforts.

  General ****************************start="1557" data-end="1560"> I expect a written resolution via the BBB, not a phone call. If clarification is needed, I can be reached at ************ or ******************** However, the complaint remains unresolved until Metcredit completes and documents the work.

  Summary
  This complaint concerns service non-performance, particularly failure to register the lien. I request that Metcredit complete the lien registration, provide proof, and clarify the billing discrepancies.
  I look forward to Metcredits next written response.

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

  
  

  Customer Answer

  Date: 30/04/2025

  Hello, I have a question about when it would be time to consider other avenues of enforcement if the business does not respond? Would that be 14 days from the time of their last response?

  

  Business Response

  Date: 09/05/2025

  Thanks for your feedback.

  We have set up email forwarding to ensure no correspondence is missed. 

  Here is the breakdown of additional services:
  $25 lien discharge writ once completed
  $85 bank garnishee attempt. No funds were in account. Consent was obtained to file garnishee
  $25 file Certificate of Judgement and get application
  Remaining amount $3.75
  There is no cost for communication between client &Metcredit

  Consent to attempt a bank garnishment was obtained from you by our agent on Feb 13, 2025

  Please see the attached copy of Land Title registration. 

   

• Initial Complaint

  Date:23/04/2025

  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 ***** ********, I do not have contract with Metcredit, they did not provide with the original contract as I requested.

  

  Business Response

  Date: 25/04/2025

  The complainant has failed to communicate with our office to discuss the matter. Our records reflect that phone contact had been made with the complainant on November **, 2023 however the speaker would not confirm his identity and therefore we were unable to discuss the debt in question. We have received no further communication from the complainant nor has a contract been requested. If the complainant disputes this debt, we ask that he contact our office and provide details of his dispute so that we can conduct an investigation.

• Initial Complaint

  Date:07/04/2025

  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 am not liable for the debt to MetCredit, as I don't no contract with them. They did not provide me with original contract as requested.

  

  Business Response

  Date: 07/04/2025

  MetCredit was hired by our client to collect an overdue account from the complainant. The complainant has not spoken with our office to discuss his outstanding balance owed to our client. If the complainant disputes this debt, he must contact our office and provide details of his dispute so our client can conduct an investigation. The collection item reported by MetCredit on the complainants credit file will remain in place unless we are instructed by our client to remove it.

  We recommend that the complainant contact our office at ************** and speak to one of our agents for assistance. 

  Customer Answer

  Date: 09/04/2025

   
  Complaint: 23164427
  
  I am rejecting this response because: *************************** made me account in error and committed fraud because no was no account. They will be sending case num C206376203 to the medcredit, who I have no legal contract with and has no right to begin with to ask for any money. I demand this be erased from my credit immediately, as ****** it will take some time and case number ********* will be release number sent out. This take 100 hours of my time and fraud and there's no contract with medcredit. So these letters don't have to wait to be issued, this should erased immediately regardless or I will going after them in court for compensation.I am very sick and need this resolved immediately not on ****** leisure time
  
  Sincerely,
  
  ***** ********

  

  Business Response

  Date: 11/04/2025

  Thank you for provided the reference number in your response. We have escalated the matter to ****** to investigate and they have confirmed that the account was assigned in error. Our file has been closed and we will submit notification to the credit reporting agencies to delete this item from the complainants credit record. The complainant may call us at ************** if he has any further questions or concerns.  
  

  

  Business Response

  Date: 14/04/2025

  Thank you for provided the reference number in your response. We have escalated the matter to ****** to investigate and they have confirmed that the account was assigned in error. Our file has been closed and we have submitted notice to the credit reporting agencies to delete this item from the complainants credit record. The complainant may call us at ************** if he has any further questions or concerns.  

• Initial Complaint

  Date:28/03/2025

  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.

  I am not liable for Metcredit (MET ************), I do not have a contract with Metcredit (MET ************ / Business Headquarters Location address: ***************************************************, they did not provide me with the original contract as requested.

  

  Business Response

  Date: 28/03/2025

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

• Initial Complaint

  Date:27/03/2025

  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.

  It is Second complaint but against Met Credit for the same subject because it is only today comave representative ******** informed me that they have sold my debt to Met Credit . I spoke to Met credit rep ***** yesterday who redirected me to comwave for resolution but received a call today from Met credit representative ***** **********************27 ext 6361 to pay the debt immediately,Comwave ******************* ******************************************************************** . Contact ************************94 generated an invoice of 348 CAD as homephone /net charges and reported/sold to Met credit /********** as outstanding amount in collection .I didnt use this service & was out of ****** for the mentioned service period . The service was used by my ex wife using my ******************* I am a person on permanent disability with severe medical conditions& only on limited social assistance barely enough to pay an unjustified amount of service used in my absence. I humbly request that these charges be waived /removed by ******* or Met collection if the debt is sold to them to erase this as outstanding from ********** /Equifax because it is causing negatively on my otherwise good credit history but also causing a great deal of stress on me . An earliest resolution would greatly solve the problem , I request to keep my 2 complaints seperate because the initial account number ******* /debt was sent/sold to Met credit by ******* & both the parties are involved & needs to be approached for resolution . Thanks

  Customer Answer

  Date: 27/03/2025

  Dear ****** , 

  Yes I filed another complaint through BBB a day before the existing complaint on 25th March 2025 on the same subject against service provider ******* but when i was informed / updated next day that comwave sold the debt to MET CREDIT collection , i filed the existing complaint against MET CREDIT on 26th March 2025. . No complaint ID has been assigned for previous complaint so you may ignore it & proceed with updated current complaint with complaint #********.

  Hope it clarifies .Let. me know if you have any further questions for me

  Thanks & regards 

  ***** ****

  

  Business Response

  Date: 06/04/2025

  Upon our first verbal communication with the complainant, we escalated the matter and the account was recalled and closed by our client within two days. We have also advised the credit reporting agencies to delete this item from the complainants credit record. The complainant may call us at ************** if he has any further questions or concerns.  

  Customer Answer

  Date: 09/04/2025

   
  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:26/03/2025

  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 am not liable for this debt with ******************. I do not have a contract with Metcredit and they did not provide me with the original contract as i requested

  

  Business Response

  Date: 26/03/2025

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