Complaints
This profile includes complaints for MetCredit's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 159 total complaints in the last 3 years.
- 78 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:10/05/2023
Type: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.
Hi,
Im having MET Credit reach out to me and saying I owe a payment from 11 + years ago with ****** and demanding I pay. First off, my credit score is excellent and I have all ******* showcasing that this file was paid and closed on the consumer expense. I have told them to stop harassing me - its apparently for 158.00 and they have called dozens of times and left shady text messages.
I looked up the rules and regulations and creditors need to go about a legal way of telling me who I owe and what I owe they did not follow any of this. Speaking on a file that is over 11+ years old I am deeply concerned as to why ****** is still bothering me.
Business Response
Date: 19/05/2023
******,
I have reviewed your complaint. ****** has assigned your
file to collections. Regardless of date of debt they continue to exercise their
rights to collect unpaid debt.
MetCredit is only the agent of ******, and your concerns and
complaint really should be addressed to them and not our office.
Regards,
*** ********* * *******Initial Complaint
Date:28/04/2023
Type: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 received several text message from this company that I owe money. I never received a letter. I used to receive calls and a robotic voice told me to press one to resolve my issue when I pressed one no one answered and the line was disrupted but I would get a text message shortly after. The text message gives me a file number and a link which I can click to pay my outstanding payment. I do not even know who I owe money. Please excuse that I won’t call you back but this all is very suspicious to me.Business Response
Date: 19/05/2023
******,
Based on the limited information you provided in your
complaint (leaving out your address) we can not 100% confirm you identification.
You can contact ************ ********* **** and speak with ****** ******, she
can then advise you if there is an active account in debt collection in our
office.Regards,
*** ********* * *******Customer Answer
Date: 19/05/2023
Complaint: 19996416
I am rejecting this response because:
After filing my original complaint I received a call from an actual person who left a call back number that did not work. I listen to the voicemail a few times and tried several combination for the number. I then called the general number listed on your website and with my name and my mobile number they were able to find me. (My name is unique) I do not feel comfortable giving out my address as I am still not sure if this is a legit claim you have or a spam. The way you have approached me, automated calls and text messages makes me believe this is a ****. You should have my address on file because somebody contacted you who i apparently own money to. I told the lady the same and asked her who I owe money to, to check myself and if that is true to of course pay you and resolve the issue. I was told without me giving you my home address she is not allowed to give me these information. She told me that a letter was send to me on the 29th of April. I still did not receive said letter. As far as I know I am entitled to a letter stating who I owe money, the amount and from when and I was told that such a letter is sent out by collection agencies before contacting people by phone. Also I did receive phone calls from the 780 number you mention in your response but every time I answer there was only silence and nobody spoke to me.I am happy to provide you my home address or confirm it if you could please give me a good reason. As I mentioned above you should be able to find my case by looking up my name and mobile number. In case you need it again it is *** *******. I also kindly ask you to send me a letter I am entitled to so I know you do have an actual claim against me and this is not a ****. I am sorry for causing so much trouble but again the way I was so far approached does not make me believe you and your claim are legit.
Sincerely,
****** *************Business Response
Date: 19/06/2023
We are governed under Privacy Legislation, unless you provide the information required we can not be of more assistance.
In my previous message I have provide a number you can call to address your concerns and go through the proper channels to confirm identity.
Customer Answer
Date: 20/06/2023
Complaint: 19996416
I am rejecting this response because:
Dear MetCreditAnd I am a person who got ****med before. As mentioned before your way of approaching me has been not very professionally in my opinion. The calls I currently receive I only know it is you because of the number you provided me. The robotic voice answering does not even say who they are calling from but just ask me to press 1 which I will not cause I am still not sure of you are a real company or not. Anyway as mentioned in my previous response I am happy to resolve the issue and here is what I suggest:
Have an actual person call me to confirm my address. Let me know what address you have on file and I will be happy to let you know if that is my correct mailing address. If I do not answer my phone please leave a call back number that works and I am gladly call you back. Once we confirmed my current mailing address please send me a letter with all the details who I owe money so that I myself can double check. Once I checked and I owe you money I will gladly pay you.
Sincerely,
****** *************Initial Complaint
Date:27/04/2023
Type: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.
These idiots robocall me at least 5 times a week. I do not owe any debts to anyone and they do not say my name in the robocall. I do not want this spam on my phone anymore. I see they have a high rating on your website but they shouldn't have because they are pestering people who have nothing to do with their business.Business Response
Date: 28/04/2023
******,
There was a
file in our office, we have closed the file. You will no longer get calls.
Regards,
*** ********* * *******Customer Answer
Date: 28/04/2023
****** ******** *******
I have reviewed the response made by the business in reference to complaint ID 19991608, and find that this resolution is satisfactory to me.
Sincerely,
****** ******Initial Complaint
Date:14/04/2023
Type: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.
Metcredit has collected a “debt” off of me and made a derogatory mark on my credit report for a debt I dispute I have. Maple Leaf appliances was supposed to provide me a service and they did not. They billed me anyways and the next day I responded to their text invoice saying they provided no such service and I would not pay their fictitious invoice. These companies are being underhanded and using my credit report to coerce me into paying a bill I never should have receivedBusiness Response
Date: 28/04/2023
***** *****,
Your file
was assigned to our office for the purpose of debt collections.
You paid
the debt, and we update the credit file to show this.
As for your
concerns, we are only the agents for Maple Leaf, funds have been remitted, our
collection file is closed.
If you have
additional questions and/or concerns you need to direct them to ***** **** ********** ***.
Regards,
*** ********
– *******Customer Answer
Date: 01/05/2023
Complaint: 19936699
I am rejecting this response because:
I am not liable to pay this false debt and only did so because you used coercion to force me to by affecting my credit score. Your company also did not write me a letter before filing a derogatory comment on my credit report.
Sincerely,
***** *****Initial Complaint
Date:04/04/2023
Type: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.
This is a formal complaint regarding Prohibited Debt Collection Practices.
I received a call at my place of business. I was embarrassed and harassed about a collection account that was not mentioned. The call came from the Vancouver number. *** ********* ***** *** **** *** ** ******* **** ****** *****
I have made legal note of this matter. Any further calls to my place of business will lead to possible legal action.
******* *******
This harassment has violated the Business Practices and Consumer Rights Act. SBC 2004, c 2, s 116Business Response
Date: 19/04/2023
****** ******,
MetCredit
received your complaint from the ****** ******** ****** on April 15, 2023. We
have investigated your allegations of Prohibited Practices, under the Business
Practices and Consumer Protection Act, s.116 (“BPCPA”) and concluded the
following:
MetCredit
has been attempting to contact you at ************, regarding a matter in our
office needing your attention.
Our first
attempt to contact you at ************ was on January 4, 2023, subsequently we
made additional attempts on:
January 10,
2023
January 17,
2023
April 4,
2023
On April 4,
2023 our office placed a call to you at ************ which is your place of employment,
we were able to speak with you directly. On this call you indicated that you did
not have time to talk, you also mentioned that the phone number where we have
been calling and leaving messages ************** was not your number. You then
provided an alternative contact number of ************, and indicated this was
the best number to reach you.
As Section
116 of the BPCPA:
Communication
with debtor116 (1)A
collector must not communicate or attempt to communicate with a debtor at the
debtor's place of employment unless
(a)the collector does not have
the debtor's home address, telephone number or electronic mail address and the
collector contacts the debtor solely for the purpose of requesting that
information,
(b)the collector has attempted
to contact the debtor at the home address, telephone number or electronic mail
address that the collector has for the debtor, but the collector has not
contacted the debtor in any of those attempts, or
(c)the collector has been
authorized by the debtor to communicate with the debtor at the debtor's place
of employment.
Based on
section 116 of the BPCPA we have determined our agent has not breached any
prohibited practices.
During your conversation with our agent on
April 4, 2023 you indicated that phone number ************ was a good contact
number for you, however, the contact information you submitted to the ***
suggests otherwise. This further corroborates our position our agent had been
complaint with s. 116 of the BPCPA.
Customer
Information:
******* *******
** **** **** ******
******* ** *** *** ******
******* ****** ***** ********
******* ********************
Please
contact **** ***** ** ************** ********* **** to discuss this matter, and
any additional questions and/or concerns you may have.
Regards,
*** ********* * ******* ** ********* ********* * ***** **********Initial Complaint
Date:02/04/2023
Type: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 was sent to a collections agency (MetCredit) after winning a credit card dispute with a business that failed to deliver a product I purchased within a 30 day time frame as stated by the Consumer Protection Act in that province. I have sent a debt verification letter to MeCredit as well as a letter stating that I want to be contacted on writing ONLY and mailed directly to my address. However, I’m still receiving harassing emails from this collection agency a full month after sending out my demand that I only want to be contacted in writing. Additionally, MetCredit has failed to verify the alleged debt and this could negatively impact my credit if It has not already. This is astounding as they are pursuing me for a debt I do not owe after winning a credit card dispute for “products not delivered”. How can a business pursue me for a product I never legally received after a card issuer and financial institution sided with me? This is not conducting business in good faith and no one should have to deal with a business fraudulently demanding money for products that have not been received by using collection agencies to damage personal financial/credit standing. My letters were sent out on March 4, 2023, delivered on March 8, 2023 and my last email from the agency was on March 29, 2023.Business Response
Date: 17/04/2023
****** ** ******,
Our client has advised that the debt is due, and we are only the agents. We act on their behalf. Their position is below.
CLIENT PLACED TWO PREORDERS ORDERS.THE ITEMS WERE MADE AN D
BUILT TO HIS SPECIFICATIONS DURING CHECKOUT HE AGREED A LL TERMS AND
CONDITIONS.WEBSITE STATED THESE ORDERS CANNOT BE CANCELLED.WE SHIPPED ORDER AND
HE REFUSED BOX. PRIOR TO THIS WE STATED
AGAIN ORDER CANNOT BE CANCELLED.THE CHARGES ARE 35% CANCELLATION FEE + $100
ADMIN INTEREST ON UNPAID IS 5% PER MONTH.If you have further disputes it should be made directly to the vendor, not MetCredit.
Regards,
*** ********* * *******
Customer Answer
Date: 17/04/2023
Complaint: 19885967
I am rejecting this response because: Consumer Protection Legislation states all products must be delivered within 30 days of transaction date. There are no terms and conditions that over rule this legislation. The card network sided with me in this dispute and I have documentation to support this. The reason for me winning said credit card dispute is “product not received”.
Sincerely,
****** ** ******Initial Complaint
Date:23/03/2023
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
My manager got a call from met credit. That said I owed money or something or the sort. She made me aware of the situation. I called my credit card companies and the said they have never heard of the such a company. I don’t have any loans and I don’t miss my bill payments. Also this company has never contacted me once, so to call my work out of the blue is outrageous and embarrassing.Business Response
Date: 24/03/2023
Good Afternoon,
We do not have any records for your in our system.
So it was unlikely our company called.
There are other collection agencies out there that have similar names to ours.
Regards,
*** ********* * *******
Customer Answer
Date: 24/03/2023
****** ******** *******
I have reviewed the response made by the business in reference to complaint ID 19642123, and find that this resolution is satisfactory to me.
Sincerely,
***** ******Initial Complaint
Date:23/03/2023
Type: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.
This file was opened up due to an outstanding bill and dispute with the cell phone service provider ****, which I will also be filing another separate complaint about this issue. This whole situation is not my fault. I have acknowledged this bill with this company METCREDIT and I have also made an attempt to give them a small payment which is all I can afford right now due to the fact that I am on a medical disability with the Canadian government and I have very low income on a monthly basis. This company is stating that this payment I have made is not enough and that they are charging me 42% interest on this account which is rapidly increasing and in my opinion; an outrageous and greedy amount of money to tack on to my existing debt. My question is to you, is this even legal to be charging an interest rate that high?, After I have contacted them and made an attempt to offer some payment? I feel that they are constantly harassing me with phone calls and emails in a very threatening nature.
Why should this account be charging 42% interest on an account that has been acknowledged by me? I don't agree with this. Can you help me with this matter???Business Response
Date: 17/04/2023
I have escalated the dispute to ****, asking them to review and provide instructions. As you are aware MetCredit is an agent for ****, and therefore we act for them under their directions and mandates. If the individuals file should be pulled from collection or otherwise to resume collections I will advise.Customer Answer
Date: 17/04/2023
Complaint: 19641054
I am rejecting this response because:I have already spoken to the CEO OF ****; ***** and she advised me that my account with Metcredit would be closed and I would make payments directly to **** NOT METCREDIT. METCREDIT's response is giving me a one way or another response that is not clear. That is why I reject their response because it is open ended not clear like ***** advised from ****!!!
Sincerely,
****** ********Initial Complaint
Date:07/03/2023
Type: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 found out through a denied loan agent that I had an account in collections that I was unaware of. Through some research I found out it was a ***** account from 2015 with an original balance of 815$. The account was apparently sent to MET collections agency. They are now trying to say I have to pay $2862 dollars. They claim the extra fees are standard fees and interest yet the gov of Canada website says that debt collectors cannot add collection related fees to costs.
I was completely unaware of this debt as the account has been closed for years. I have been unable to obtain any documentation showing what the original balance was even for. I received no letters in the mail/email. This is affecting my credit as well as my lending ability. I would have no issue paying the original balance of 815$ to resolve this and clear the negative collections on my credit bureau report however MET seems unwilling to accept this paymentBusiness Response
Date: 09/03/2023
*******,
Please contact ***** **** * **************** ** ************** * ****. As the Manager for this he will review with you the
options available to settle this matter.Regards,
*** ********* * *******Initial Complaint
Date:24/02/2023
Type: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.
MetCredit texts me AND calls me at least once every day for debts that are almost 10 years old. No idea how they even got my phone number, I want them to stop calling me and if there is an outstanding debt, would appreciate if goodwill forgiveness was applied so I can move on with my life.Business Response
Date: 09/03/2023
**** *******,
MetCredit does have an active account in our office for you.
Please contact ******* ****** at ************** * ****. She will be able to negotiate
some sort of resolution.Regards,
*** ********* * *******
Customer Answer
Date: 24/03/2023
Complaint: 19493031
I am rejecting this response because:you didn’t give me any case number or any other information that I could verify or confirm? Who Do I apparently have outstanding balances with?
Sincerely,
**** *******Business Response
Date: 27/03/2023
**** *******,
You can
contact ******* ****** at ************** * ****. As I mentioned in my previous communication to get the information you
require.Regards,
*** ********* * *******
Customer Answer
Date: 05/04/2023
Complaint: 19493031
I am rejecting this response because I am not dealing with it You’ve been calling me for four years and you’re harassing me I don’t owe any money to anyone, anything I have outstanding is from more than 7-9 years ago Stop calling me
Sincerely,
**** *******
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