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

  
• 

  MetCredit

  E300 - 6860 Century Ave Mississauga, ON L5N 2V8

• 

  MetCredit

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

• 

  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:25/03/2025

  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 **********, 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.

• Initial Complaint

  Date:21/03/2025

  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 with Met Credit. I dont not have a contract with Met credit they did not provide me with the original contract as requested b

  

  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.

• Initial Complaint

  Date:10/03/2025

  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 never knew I had a problem till I seen my credit report I had a previous 300 tells bill in 2018 and file for consumer Proposal in 2023 and they file on my credit report met for ***** how is that possible

  

  Business Response

  Date: 12/03/2025

  The principal amount was $1058.80 when the service was cancelled on Dec 25, 2019. No payment has been received and therefore interest has accrued on the account for over 5 years to bring the balance to $9742.33 as of March 12, 2024. When you filed the consumer proposal was this ***** account included in the list of creditors?

• Initial Complaint

  Date:03/03/2025

  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.

  I am not liable for this debt with *******************************. I do not have any contract with MetCredit. They confirmed on call that this is a mistake because of similar details of with the liable.I requested the original contract, but I haven't received it yet.

  

  Business Response

  Date: 03/03/2025

  The collection item has been removed from the complainants credit file. MetCredit cannot provide the contract to the complainant as the debt does not belong to the complainant, it belongs to an individual with the same name but different date of birth. 

  Customer Answer

  Date: 06/03/2025

   
  Complaint: ********
  
  I am rejecting this response because my lease is coming to an end, and I have been actively searching for a new place to live. However, every landlord I have approached has requested a credit report, and due to this issue, my credit score has dropped by more than *** points.

  
  This situation has caused significant distress and has directly impacted my ability to secure housing. Given the negative consequences I have suffered, I am requesting appropriate compensation for the hardship this has caused me.

  
  I would appreciate your prompt attention to this matter and a fair resolution.
  
  Sincerely,
  
  ****** ******

  

  Business Response

  Date: 06/03/2025

  The credit reporting error was not caused by MetCredit, it was the credit bureaus who matched the collection item to the wrong consumer profile. Once the collection items has been deleted the complainants credit score will be amended accordingly. 

  Customer Answer

  Date: 07/03/2025

   
  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:25/02/2025

  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.

  With the help of the BBB, I was finally able to get ***** to reach out and settle an outstanding account (complaint #*********. The only problem was that ***** had already submitted the case to a collections agency called MetCredit. That agency has apparently been charging me interest on some amount of debt. I'm unsure of the amount or what they are basing their numbers on. They will not answer the phone when I call, they will not answer the phone when they call, and they haven't left any messages. They just call or send vague emails almost daily. I believe this method to be some sort of delay tactic to help the debt grow, thereby increasing the amount they believe they are entitled to for some reason. The amount they are requesting is higher than the amount paid to ***** to close the account. ***** has also not responded to requests to contact or help Metcredit.

  

  Business Response

  Date: 03/03/2025

  MetCredit has confirmed that ***** has applied an adjustment on the complainants account to bring the principal balance down to $****** and that they have received a payment in the amount of $******. The remaining interest charges will be waived bringing the account balance to $0.00
  

  Customer Answer

  Date: 04/03/2025

   
  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:19/02/2025

  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.

  February 18th, 2025, 2025 Hello, a previous landlord sent our file to Met Credit agency for money I owed, Met Credit contacted me so this issue can be resolved, after coming to an agreement based on the landlord agreeing to remove that file from my credit bureau this agreement took place on January 18th, 2025. I paid the fees off in full on January 20th, 2025 with the amount of $10,000, Once the payment was made ****** ******** the representative from met credit started running me around and still is reflecting on my credit report. This is not a legal matter but I would like a complaint filed against met credit and ****** ******** for being misleading and providing false information. People need to be aware of agencies like met credit,

  

  Business Response

  Date: 21/02/2025

  MetCredit has never reported this debt to the complainants credit bureau therefore there is nothing for us to correct. The money paid to settle the matter has been sent to our client ********* *****. Without our knowledge ********* ***** has engaged another company to report the matter to the complainants credit bureaus. The complainant will need to contact ********* ***** or the company whom he hired to make the report to the credit bureau. This has been explained to the complaint by MetCredit.

  Customer Answer

  Date: 26/02/2025

   
  Complaint: 22958400
  
  I am rejecting this response because: I was mislead by met credit and treated poorly once they received payment for their client.  I never stated that met credit reported me to any credit bureau but was left hanging without any direct responses, the purpose for this complaint is so other people call look up met credit and use caution while dealing with them as they took my payment by issuing comments that were counterproductive and other people need to be aware and use caution if they are faced dealing with this company. 
  
  Sincerely,
  
  ***** *******

  

  Business Response

  Date: 28/02/2025

  The complainants frustrations are misplaced. MetCredit was hired by ********* ***** to collect money owed to him by the complainant pursuant to an judgement order by the Landlord and Tenant ***** of *******. MetCredit negotiated a settlement with Mr. ***** on behalf of the complainant that resulted in over $2000 in reduction of the amount owed by the complainant. MetCredit notified Mr. ***** immediately upon receipt of payment. MetCredit has responded promptly to all of the complainants calls and emails. MetCredit has never provide false or misleading information to the complainant. The documentation that the complainant supplied with his complaint support all of the above. If the complainant continues to make false and defamatory public statements about MetCredit we will have no choice but to refer this to our legal counsel.

• Initial Complaint

  Date:04/02/2025

  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.

  MetCredit to stop reporting against my credit as the account was filed into bankruptcy. MetCredit is acting against the law by reporting against my credit. The company has been served bankruptcy documents three times in August 2024 and again in January 2025. The company is acting against the law.I am seeking full removal of MetCredit collection on my credit report and stop future reporting.

  

  Business Response

  Date: 04/02/2025

  Thank you for providing you bankruptcy documents. We will instruct ********** and Equifax to remove the ****** collection item from your credit files. 

  Customer Answer

  Date: 07/02/2025

   
  Complaint: ********
  
  I am rejecting this response because: it was not remove in January when the company received the documents for the 3 time. The company then after receiving the bankruptcy documents in August *********** bad faith and reported against my credit in November 2024 regardless of the law.

  I do not consider their response satisfied without proof they acted to removing the collection from my credit reports. Their response was open ended by not providing proof of sending the removal to ********** and Equifax along with no date of removal. 
  

  I will consider their response acceptable when I am provided proof that the removal request was completed and no future collection will appear on my credit reports. Simply, provide proof that the removal request was completed and then the matter will be resolved. If not, legal actions will be taken. 
  
  Sincerely,
  
  ******* ****

  

  Business Response

  Date: 10/02/2025

  See attached screen shot of your file with notes from 02/05/25 and 02/07/25 confirming instruction sent to credit bureaus to remove the reporting. Personal information such as address, phone #, and date of birth have been masked for privacy reasons. The complainant can contact ********** and Equifax to confirm the report has been removed.

  Customer Answer

  Date: 11/02/2025

   
  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:03/02/2025

  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 would like to file a formal complaint against Metcredit for being allowed to put a $******** accumulated interest towards a file that was handed over to them in 2020 by ******************. The original amount owing to ****** was $4584.66 before being sent to metcredit. I reached out to Metcredit on January 31 to find out that I owe $******* & over **% of it is because of interest. I wanted to fix my credit and I called metcredit to see if there's a way we can negotiate a settlement amount but when they told me I owed $*******, I couldn't believe it... and how is this LEGAL? I want to resolve this matter because it is affecting my credit, however, after finding out how much I owe, it is impossible for me to pay that. I moved around after using ******' service so I had no way way of knowing how much I owe. I checked out my credit report recently and I saw the amount. I had other collections in the past and I was able to resolve because the interest were not compounded as much as what Metcredit did. I really want to resolve this matter but it is out of my reach. I have never heard of collections being able to charge over **% in interest on top of the original amount. I really don't how to go about resolving this. I am hoping you can assist me or help me investigate how they are able to charge me continuous interest of $********.

  

  Business Response

  Date: 03/02/2025

  MetCredit only acts as agent for ****** and any interest added to the overdue balance is done so on the instructions of ******. The interest rate applied is **% compounding which is the interest rate contained in the ****** service agreement. The high amount of accrued interest is due to the fact that this account has been outstanding for over four and a half years. While the complainant may have moved over the years ****** has not. The complainant was free to contact ****** at any time to discuss resolving his account.
  
  We recommend that the complainant contact our office at ************** and speak to one of our agents about the repayment options available.

  Customer Answer

  Date: 04/02/2025

   
  Complaint: ********
  
  I am rejecting this response because: You people (****** and MetCredit) are so full of lies. While you can claim that ****** has not moved, it still does not justify the fact that you are trying to collect $********. When I spoke to *******, the President for *************************** he stated on a recorded conversation (CaseID: ***********: Account: ********* Contact Number: ************** or **************) that the final balance owing was $******** before it was handed over to a third-party collection agency named MCA Collection on April 18, 2019. I tried to resolve the matter with ******* by working out a settlement but he made a point that once file a is passed over to a third-party, they no longer have rights to it. ******* made it clear the FINAL balance owing was $******** and the account was cancelled on March 12, ******************************************** April 2020, the account was sold to ********************.... ****CONTINUED IN ATTACHMENT

  ********** SEE ATTACHED ********

  

  Business Response

  Date: 05/02/2025

  MCA and MetCredit are the same entity. *** is short from for Metropolitan Credit ************ doing business as MetCredit. MetCredit only acts a third party agent for ****** and the outstanding debt is owed to ****** and has not been sold to MetCredit or any other entity. The interest rates are set by ****** in accordance with the ***** terms of service agreement that the complainant was bound by. The interest rate is 24% and not 50% as the complainant have incorrectly stated. The large amount of interest accrued is a direct result of the complainant ignoring this debt for over 6 years.
  
  We have sent the complainant numerous emails over the years offering an opportunity to settle however the complainant have failed to respond. As stated previously MetCredit always been willing to discuss repayment options with the complainant and would recommend that the complainant call our office or respond to the email sent to him by MetCredit on Feb. *, 2025.
  
  I would like to point out that the BBB does not have any legal jurisdiction to conduct investigations or adjudicate matters. 

• Initial Complaint

  Date:03/02/2025

  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.

  Im not liable for this debt with ******************************* and i do not have contract with Met credit.They did not provide me the original contract as I requested.

  

  Business Response

  Date: 03/02/2025

  MetCredit acts as agent for ****** in the collection of an overdue account and therefore is not required to have a contract with the complainant. MetCredit has reported the outstanding debt the to complainant credit file on the instructions of ******. The complainant has never contact MetCredit or ****** to provide details of his dispute. The complainant must contract MetCredit or ****** to formally file a dispute so that an investigation can be conducted. the collection item will remain on the complainants credit file until such time as MetCredit has been instructed by ****** to remove it.

• Initial Complaint

  Date:28/01/2025

  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.

  Met credit is on my report when there is no money oweing to me by company that hired them. Bbb and I and company had discussions and since have both backed off. Met credit is still on my credit report charging interest to said ammount.

  

  Business Response

  Date: 28/01/2025

  The complainant entered into an agreement with our client ***************************** to assist with filing for disability tax credits from ***. The contract stipulated that the complainant was not allowed to apply to CRA for credit on their owns for a period of 24 months from the effective date of the contact. As a result of Swift's consultation the complainant received a refund credit of $********* to which Swift was entitled their fee of **%. The credit reporting will remain in place until such time that Swift has been paid according to the contract.

  Customer Answer

  Date: 28/01/2025

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

  Customer Answer

  Date: 28/01/2025

  In nov 2024. I put a complaint in to bbb aagainst swift disibility. We had communications for approx * weeks   last response i gave was if there was indeed a legit contract  that both parties agreed to then both parties have obligations to fullfill it. In contract it states no outside help for 24months.  It also states i have the right  to request to terminate contract by writing .. when ******* called me. And asked why in the beginning  they have not recieved the forms they sent to my ** to fill out. I told her then my ** said he wouldnt. He said seift benigits themselves all the way and it doesnt help me.  I told her also her services were not required past this point. This is when there should of been mention to me ablut a contract. About the ********. About my right to request to termumate thier contract. . There waa no mention about any of this to work for the contract. I told bbb and  swift disibility after swift been threatening to take me to court. That infac is in my best interest for them to tKe me to court.t

  Both swift and met credit. Have been harrassing and bulling me to the piint i had to send them both registered  contesting this and to have them leave me alone. I have copies.. on dec 2nd. Bbb requested permission to podt my response to the sight i gave it and have not heard a word from swift or bbb since. Ive reached out to both nurmous times since still no response.. 

  Customer Answer

  Date: 28/01/2025

  I even went so far as to asking bbb who was involved with myself and swift dissibility if they were in fact the real bbb . Since i havent recieved a respomse from them since dec *** 2024 after numerous attemts by myself. They just vanashed with swift disibility.