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Business Profile

Financial Services

AAR Mortgage Corporation

This business is NOT BBB Accredited.

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Complaints

Customer Complaints Summary

  • 6 total complaints in the last 3 years.
  • 4 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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.

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Complaint status

Complaint type

  • Initial Complaint

    Date:07/03/2025

    Type:Billing Issues
    Status:
    Answered
    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 have a loan with AAR financial. Due to circumstances beyond my control I was unable to pay as agreed and asked for some other arrangement. I was ignored and had to email constantly to get someone. I was sent to at least 3 different people. No one would work with me. Told they have to speak to manager. ****** **** ******* ** **** ****** **** ***** *** ******* They have garnished my wages. I explained numerous times that sometimes I work 12 hours a week sometimes I work 4 hours a week. Garnishing my wages has caused a lot of financial damage.

    I asked to come up with a plan to make a payment plan and stop garnishments. After months of emails back and forth, finally came to an agreement. Asked when I should start payments and then I was emailed by “manager”. She was rude and said an amount not agreed on. Very unprofessional and rude!

    Business Response

    Date: 21/03/2025

    Thank you for bringing this matter to our attention

    Since the complaint was filed,there have been ongoing communications by telephone and email with the customer to attempt to resolve the  matter.

     

    Thank you

  • Initial Complaint

    Date:20/02/2025

    Type:Billing Issues
    Status:
    Resolved
    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.
     

    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,



    Anna ********* * ** *** **** ******** **** *** ********* **** ******* **** ******* ** **** *** *********

    Business Response

    Date: 24/02/2025

    Thank you for bringing this matter to our attention.

    This consumer is currently dealing with a staff member regarding her concerns.

    Thank you

  • Initial Complaint

    Date:04/02/2025

    Type:Customer Service Issues
    Status:
    Answered
    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.
    As I mention Feb 6th i will be signing the documents today with ***** ******* if these guys still keep on harassing me for payments or any further information i will be force to file for bankruptcy. things take time i had to wait for 60 days for my previous proposal to be discharge which brings it to Feb 1st. if they have issues they can contact my trustee at ***** *******. Once we sign the documents today they will be Efiling it. These things take time and in the mean time i refuse to pay these guys if this does not work I will be filing for bankruptcy. These guys need to be patient. If they wont wait then bankruptcy will be around the corner.  

    Business Response

    Date: 06/02/2025

    Thank you for bringing this matter to our attention.

    This customer had filed a Consumer Proposal with an Insolvency Trustee in or about September 2023.

    On November 7,2024 we received notification from his Trustee that the Consumer Proposal had been annulled due to the failure of the customer to make payments due under the Proposal.

    As a result we were entitled to proceed with further steps to collect the amount due and owing to us.

    On January 16,2025 the customer advised our collection department he was in the process of filing another Consumer Proposal.

    As of January 24,2025 we had not heard from a trustee on his behalf and staff called and emailed him.

    On January 31,2025 the customer  advised we had to wait for his Trustee to contact us

    Until we have received notification from a Trustee that he has filed another Consumer Proposal or a Bankruptcy we are legally entitled to contact him regarding payment.

    Twenty days have passed since he initially advised he would be refiling with a Trustee,and we have yet to hear from a Trustee on his behalf

    He most recently advised he was meeting with his Trustee on February 4th to sign documents.

    As of 9:30 am on February 6th we have not heard from a Trustee.

    Any further action on our part is on hold pending receiving notification from a Trustee in the next few days,given his advice in the complaint that he is now signing documents with the Trustee on February 6th.

    Failing that,we will proceed accordingly as we are entitled to.

    The customer has not been receiving "robo calls every 20 min" as he suggests.

    Any calls a customer would receive from our office are by a staff person.We have no system of automated calling of customers.

    Thank you

     

     

    Customer Answer

    Date: 06/02/2025

     

    Complaint: ********



    I am rejecting this response because: They need to wait if they refuse to wait I will file for bankruptcy 



    Sincerely,



    Shaun *****

    Customer Answer

    Date: 06/02/2025

    I had a meeting with my Trustee today with ***** ******* we have signed the documents for the Division 1 proposal. Once ***** *** ********** closes my file in a few days after all the final checks have been cleared, Then next week sometime they will send the file if these guys don't believe me they can call ***** ******* for update. In the mean time if they still be aggressive I will skip the process and file for bankruptcy. ** **** ****** ** **** **** *** ****** *** *********** ****** ** *** **** *** *** Also all my bank accounts have been closed. and my trustee inform me today not to pay anyone regardless. as it will interfere with the proposal * **** * **** ** *** ********* **** *** **** *** ******* *** **** **** *** * **** ** ****** **** * ****** ***** ***** *** *** **** ******* *** * *** ***** **. **** **** ** ** ******* ** ***** ***** **** *** ******* *** **** **** *** **** **** *** * **** **** ** **** *** **** **** *** ***** **** ** ** **** *** ******** * ******** ** ********** Thanks this is my last message a I been informed from my trustee that I am not to be in contact with them. they will wait till the E file the documents to the courts next week they can call the trustee if they want more information in the mean time there emails and numbers have been blocked 

    Business Response

    Date: 07/02/2025

    As indicated previously we have been waiting for weeks to hear from the trustee,and will continue to do so.

  • Initial Complaint

    Date:27/08/2024

    Type:Billing Issues
    Status:
    Answered
    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.
     

    Complaint: ********



    I am rejecting this response because: this is not how it went *** ***** *** * ***. The regular payment was taken twice at the same time because of a glitch in your bank, as you switched banks. you were only supposed to withdrawal the regular payment. so the glitch causing it to take twice made it come back as there was only enough to cover the regular payment. 

    ** don't *** *** say I missed the payment and another day you tried to take it again, that is false. They were both drawn the same time. I have the statements to prove it.

    Sincerely,



    David *********

    Business Response

    Date: 10/09/2024

    Thank you for bringing this matter to our attention.

    We had attempted to take the customers regular payment on its due date,it did not clear and a second attempt was made that did not clear as well,leading to the nsf charges.

    From a bank account statement provided by the customer,the account was in a negative balance on the date and time the withdrawals were attempted.

    In these circumstances we would not be providing a refund to the customer.

    Thank you

     

     

    Business Response

    Date: 11/09/2024

    Thank you for the additional response.

    Our previous response did not indicate we tried to take the payment "and another day tried to take it again".

    At the time the attempts were made the customer had a negative balance in his account before any of the attempts were made.That is why the payments did not clear.

    I note that is not addressed in the response to our response

    Thank you

    Customer Answer

    Date: 11/09/2024

     

    Complaint: ********



    I am rejecting this response because: *** ******** *** *** ***** You said, the original payment didn't clear so you attempted again..as stated, my account * had the money to cover the payments,  but you tried taking double.  My statement will show a negative because of overdraft so thats irrelevant.  If you look at the statement,  you'll see there was enough to cover the payments. I wad the extra payments from your error that put it past the available overdraft resulting in the nsfs.




    Sincerely,



    David *********

  • Initial Complaint

    Date:30/05/2024

    Type:Service or Repair Issues
    Status:
    Answered
    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.
    Despite being asked multiple times by multiple different people over the course is weeks, AAR Financial has not provided any information to myself, my ex, or my husband in regards to a payout statement. This has now delayed sale of my house and will likely lead to added costs to myself and my ex. This is completely unacceptable and I demand an explanation for it.

    I would like for them to be held responsible for these increased costs since they are entirely the result of their *************

    Business Response

    Date: 12/06/2024

    Thank you for bringing the matter to our attention.

    By way of background, this customer has a loan with us that is secured by a lien that is third charge on a property that he is the joint owner of.

    The property sold and we received a request from a legal assistant at the law firm assisting the customer for the current balance.

    This was sent on May 21,2024. to the email of the person who requested it.

    Over a week later we received another request for the buyout from another representative of the law firm. Apparently the person we had responded to was away from the office due to an illness,and her email had not been checked.

    We resent the buyout again as requested by the second staff person.

    Due to the numerous liens, tax arrears and monies owing relating to the property, there were insufficient funds to pay our debt in full, but we agreed to accept a significant reduction in the amount due to us in exchange for us agreeing to discharge our lien.

    His lawyer has confirmed to us  that the sale is being delayed by a lienholder subsequent to us on title, who will receive no funds from the sale and is not cooperating in agreeing to discharge their lien to allow the sale to proceed.

    Thank you

  • Initial Complaint

    Date:29/01/2024

    Type:Service or Repair Issues
    Status:
    Answered
    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.

    Won't accept consumer proposal. I
    have a loan with them and AAR Mortgage * *** ********* ***** ********* ***** ***** ** ******** **** ** ******* less than $**** each, been paying for years.
    I cannot find out how much is actually owing because they will not share this
    information with me. I have filed consumer proposal, and their response to the
    trustee, they are not accepting the proposal - These are the exact words via
    email from my trustee: The purpose of our email today is to advise that a
    creditor (AAR Mortgage) has voted against your proposal. The creditor has
    provided a counteroffer for your consideration. They (AAR) would like an
    increase in your monthly payments to $*** over 60 months for a total proposal
    of $******* **** * ****! All other creditors (15 of them) have accepted the
    proposal. The reason I am filing the proposal is because I cannot afford
    anything, let alone paying ONE creditor $***/mth. **** *** *********** ****** **** **** **** *** **** ************ *** **** **** 

    Business Response

    Date: 30/01/2024

    Thank you for bringing this matter to our attention.

    The individual who filed this review has misapprehended the facts of our response to her trustee.

    The counteroffer we made to the trustee for a payment of $*** would be shared pro rata by all of her creditors, as it is in all Consumer Proposals. It is not how much we were suggesting be paid to us only.

    Our counter was based on our analysis of her  financial particulars as provided by the trustee, and the information she provided at the time of the loan applications.

    If all of her other creditors accepted the the Proposal as she mentions, then our failure to also accept it will not matter as it will be considered approved as the other creditors account for the majority  of her debt.

    As to the balances outstanding those have been provided to her trustee.

     

    Thank you

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