Complaints

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:14/05/2025

  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.

  Rented a car with Alamo in ********* last Christmas and was charged with erroneous and fraudulent charges on return.. Disputed Alamo to no avail and has now progressed to Credifax. I sel reported one small ding on the tailgate upon return snd i'm now being charged with over two thousand dollars of damages which are not mine.

  Business Response

  Date: 21/05/2025

  The complainant has claimed that his credit card insurance was supposed to pay but didnt yet, we have no details of any claim that was ever filed or a claim number or an adjusters name or contact number for that matter. I doubt that a claim was ever created.
  

  The complainant is also made allegations of fraud or fraudulent charges on numerous occasions. The definition of Fraud is defined as the intentional act of deception for personal gain or to cause a loss to another party. It typically involves false representation, concealment of information. Clearly, our client is in the business of renting cars, not in making money on damage claims. Secondly, they have no need to conceal or deceive renters as each individual renter is responsible for the care of the vehicle and the cost of repairing damage that occurs to a vehicle while it is in their possession. Individual renters are held accountable for their own damage. Making allegations of fraud are quite serious and could result in a case of defamation which would be for significantly more than the $2000 damage that the complainant has caused.
  

  The car rental company, in accordance with their Terms and Conditions repairs damage to the vehicle to restore it to a like new state.When the vehicle is rented, there is always a pre-walk around of both the agent and the renter to note any pre-existing damage but there was none noted.
  

  I have attached all correspondence including the damage claim, photos and estimates that can be found in the attached email in the *** titled Billing Letters. The complainant by his own admission has commented on damage to the tailgate which are consistent with our client's general summary of a scratched and dented bumper/tailgate. Just painting a small panel on the vehicle can cost in excess of $1000 alone not including repairing a dent. Estimates of the repair are also included.

  The complainant has reached out to our client with these allegations. Our client has investigated and determined that the complainant is responsible for the damage and the cost of the repair of those damages. We merely act for the client and have no expertise in damage evaluation,estimation or repair.
  

  The complainants claims are inconsistent. He acknowledges there was some damage to the tailgate. So, the question is, did he fail to make a claim with his credit card insurer within 90-day requirement of the damage and then claim was he charged erroneously or fraudulently?
  

  We have included all of the documents demonstrating our case however, the complainant has no proof whatsoever of his allegation that the charges for the damage are erroneous or fraudulent. When I rent a vehicle, I do the walk around with my camera and take photos to ensure that I dont have any pre-existing damage regardless of what the car rental company might also do.Where is the complainants proof that the damage was pre-existing?
  

  Our client has already made it clear that there will be no billing adjustment.

  Business Response

  Date: 22/05/2025

  The complainant has claimed that his credit card insurance was supposed to pay but didnt yet, we have no details of any claim that was ever filed or a claim number or an adjusters name or contact number for that matter. I doubt that a claim was ever created.
  

  The complainant is also made allegations of fraud or fraudulent charges on numerous occasions. The definition of Fraud is defined as the intentional act of deception for personal gain or to cause a loss to another party. It typically involves false representation, concealment of information. Clearly, our client is in the business of renting cars, not in making money on damage claims. Secondly, they have no need to conceal or deceive renters as each individual renter is responsible for the care of the vehicle and the cost of repairing damage that occurs to a vehicle while it is in their possession. Individual renters are held accountable for their own damage. Making allegations of fraud are quite serious and could result in a case of defamation which would be for significantly more than the $2000 damage that the complainant has caused.
  

  The car rental company, in accordance with their Terms and Conditions repairs damage to the vehicle to restore it to a like new state. When the vehicle is rented, there is always a pre-walk around of both the agent and the renter to note any pre-existing damage but there was none noted.
  

  I have attached all correspondence including the damage claim, photos and estimates that can be found in the attached email in the *** titled Billing Letters. The complainant by his own admission has commented on damage to the tailgate which are consistent with our client's general summary of a scratched and dented bumper/tailgate. Just painting a small panel on the vehicle can cost in excess of $1000 alone not including repairing a dent. Estimates of the repair are also included.

  The complainant has reached out to our client with these allegations. Our client has investigated and determined that the complainant is responsible for the damage and the cost of the repair of those damages. We merely act for the client and have no expertise in damage evaluation, estimation or repair.
  

  The complainants claims are inconsistent. He acknowledges there was some damage to the tailgate. So, the question is, did he fail to make a claim with his credit card insurer within 90-day requirement of the damage and then claim was he charged erroneously or fraudulently?
  

  We have included all of the documents demonstrating our case however, the complainant has no proof whatsoever of his allegation that the charges for the damage are erroneous or fraudulent. When I rent a vehicle, I do the walk around with my camera and take photos to ensure that I dont have any pre-existing damage regardless of what the car rental company might also do. Where is the complainants proof that the damage was pre-existing?
  

  Our client has already made it clear that there will be no billing adjustment.

• Initial Complaint

  Date:15/04/2025

  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 this debt with *************. I do not have a contract with the collection agency Credifax. . They did not provide me with the original contract that I requested.

  Business Response

  Date: 16/04/2025

  The debt in question has nothing to do with *************. The debt that we are calling about is for a citation #PG712550 for a parking ticket that the complainant incurred on 30-AUG-22 @ 7:51 AM issued by the City of ******* while driving a rented vehicle, a 2021 ****** RAV4 with the license plate number of *******. The citation was issued for parking within 3m of fire hydrant near *********************
  

  We have requested copies of the documentation including a rental agreement signed by the complainant, proving that he is liable for this debt. We will forward this documentation to the complainant upon receipt from our client.
  

  We will not remove this delinquent debt from his credit file where it will continue to report for up to 6 years from the date of the citation.

• Initial Complaint

  Date:23/12/2024

  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.

  Credifax employee **** ***** continues to call ask questions but when I speak with him he just hangs up. He is trying to play phone tag between my co-signer on the account and I *** ***** ************** *** *********. I am trying to make arrangements with this representative however even with me being extremely nice and cooperative he is rude and hangs up without cause.

  Business Response

  Date: 03/01/2025

  The following is a response from the collector handling our file:
  
  1.Initial Contact:
  - The debtor (complainant) and the co-borrower (Cosigner) have both failed to make arrangements to pay the outstanding account.
  *********** Response:
  - On December 10th, the cosigner (father) was contacted and refused to take responsibility for the account, citing that it has been years since he guaranteed the rent.
  - Despite being sent a copy of the contract, the cosigner is unwilling to cooperate and even suggested inviting legal action.
  3.The complainants Response:
  - On December 3rd, the debtor mentioned that he was looking for work, and despite that, no commitment to a repayment schedule was made.
  - On December 10th, the debtor called again and was advised to contact the cosigner to arrange a repayment plan to settle the debt. No further communication or arrangements have been made since.
  ******* Considerations:
  - Given the lack of cooperation from both parties, we have recommended and requested permission to pursue legal action from our client.
  - We are now awaiting further instructions on whether the client wishes to proceed with litigation of both ***** and ***** ********.
  
  In addition, the file will continue to be handled by our collection manager until litigation is authorized when carriage the file will be transferred to our legal manager. No apology or change will occur as a review of audio recordings did not indicated that conduct of the collector was unprofessional or unethical. The complainant simply didn't like our message that this debt must be paid or additional action may be taken up to and including litigation of both the debtor and cosigner. We will continue with our collection efforts until the debt paid.
  
  

  Customer Answer

  Date: 03/01/2025

   
  Complaint: 22723203
  
  I am rejecting this response because: How am I supposed to make payment arrangements with someone when they continually hang up on me. That is the definition of unprofessional and unethical and no basis to support good customer service. I cannot make an arrangement with myself. I have been more then willing to pay, but in order to do so I need to have income, which I just started working again last week, and need cooperation from credifax.

  You as a company have to make an effort to speak with the person you are trying to get money from and not hang up on them. I have not been rude or dismissive with you instead explained the situation I am in. 

  Threatening litigation will do nothing when you hang up on someone as you have not shown a will to speak with me on the matter. 

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

  Business Response

  Date: 06/01/2025

  You state that you have continually been hung up on however, you have only spoken to our collection manager on two occasions December 3 and December 10. On both occasions he advised you to speak with your cosigner and then contact us with your proposed arrangement. He ended the call after instructing you to speak to your cosigner, he did not hang up on you. It is important to be aware that both you and your cosigner are jointly and severally liable for this debt. That means that you are both liable for the full amount of the debt. A payment arrangement includes payments being made. To date, no payments have been made, no arrangement for payments to be made has been proposed by you or your cosigner.
  
  To be clear, this account is in collections. Our offices do not provide customer service to debtors of a delinquent collection claims. I recommend that your cosigner pay this debt in full and then you can repay the cosigner. As I mentioned, you are both liable for the debt. We can pursue either you or your cosigner for full payment.
  
  I suggest that in the meantime, either you or your cosigner should immediately make a payment to demonstrate your good faith and your intention to repay the debt.

• Initial Complaint

  Date:02/12/2024

  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.

  Credifax put a ********* credit against my personal name. I spoke to **** ******* from Credifax who said he does not care and to pay the money. He is not answering equifax to answer the questions to complete the dispute.

  Business Response

  Date: 16/12/2024

  Due to a timing error, we reported the outstanding debt of this consumers business, which the complainant is the principal of. It was our intention to proceed with a Small Claims Court action including a breach of trust claim against him personally when it was determined that the debt was statute barred. Accordingly, we could not proceed with the action in accordance with the Small Claims Court Rules of Civil Procedure.

  We disabled the reporting flag in our system at that time however, as we only report once a month, we made a request to manually have it removed from his personal credit file with both ************** and ***********. It should now have been removed from his credit file.

• Initial Complaint

  Date:11/10/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I paid everything I owe to ********** and it’s still flagging a payment from 2017. I paid off ********** back then not knowing I had to pay credifax instead. I was young I didn’t know I thought I owed it to ********** ,
  Now credifax is saying I owe 561 from 2017 with accumulated interest. I did in fact pay ********** up to date and I have not been able to get in a rental due to this issue since Monday Oct 7. This matter is not getting resolved

  Business Response

  Date: 15/10/2024

  We have no information regarding any payment that the complainant alleges to have made. There is no difference whether the complainant paid Credifax or our client. We have spoken to our client on multiple occasions and have been  advised that they have not received payment for the debt incurred in 2017.
  
  The complainant needs to send us proof of their payment to attempt to verify receipt of it by our client and whether it is for the correct debt. The principal amount of the debt is $236.10, which has now accrued $316.22 in interest, as the debt was incurred 12/05/2017.
  
  We have no control over the complainant's ability to rent from our client, as our client manages their own do not rent list based on unpaid accounts.

  Business Response

  Date: 16/10/2024

  We were only advised yesterday by our client that they were finally able to locate your prior payment and that they have now removed you from their Do Not Rent list.
  
  Although it appears that you paid that balance months after it was listed for collection, we are still removing it from your credit file as we are unable to ascertain the exact date of payment since you never provided any details of when or where the payment was made.

  This would never have been an issue for you if had you and provided proof of payment to us back in 2018.

  Customer Answer

  Date: 16/10/2024

  
  
  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,
  
  
  
  Tanya ******

• Initial Complaint

  Date:18/04/2024

  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 contracted ************************* of A1 *********** to replace the subfloor and update my plumbing in my bathroom of which he said he was qualified to do. This occurred in Dec 2023. During this time I asked him for a quote for putting up bedroom doors. Please note I was not living in the home yet so he was being let into the home by a family member. **************** decided to put up 3 doors w/o giving me a quote or seeking out my consent. He then proceeded to try to charge me an amount of $1780.88 for the putting on 3 doors, the completion of the bathroom and bathroom plumbing. I advised him that I had not agreed for him to put up the doors and would only pay for the renovations to the bathroom and him putting up 3 light fixtures that I had agreed to have him put up for $300. Plus he had caused damage to my drywall when putting in the bathroom vanity which cost me $200 to fix as he did not know how to fix the drywall himself. I paid him $1500 via e-transfer. Subsequently in the month of Feb 2024 I contacted **************** about the plumbing he had cut and glued together for the bathroom that was leaking which damaged the drywall in the kitchen area as the bathroom was above the kitchen. I also sent him video footage of this. I left him voice messages on his phone and sent him text messages to which he did not respond to. Then I received a phone call from **************** from Credifax who advised I owed **************** $2062.93. I advised her that I did not and sent her an email of the original invoice that **************** had sent to me of $1780.88, however it was agreed upon to pay him $1500. Subsequently ***************** me $500 for the plumber that I had to pay to fix his poor plumbing job and $200 for fixing the drywall that was damaged from the leak. I advised **************** via email that I did not owe the amount of $562. However Credifax has listed the fictitious amount of $562.93 on my credit report as of April 17, 2024. Please see attachments of my email correspondence with ****************.

  Business Response

  Date: 19/04/2024

  We have reviewed the file of ********************. It appears that our client ** *********** was doing general renovations.
  
  As this work was outside of the expected scope of our client, we will need to contact them to seek clarification of the work that was done and any agreements that *** or *** not have been entered into.
  
  We will remove the collection from ******************** credit file at this time while we attempt to determine the nature and validity of the dispute of ******************** and the claim assigned from ** *********************

  Business Response

  Date: 22/04/2024

  We have reviewed the file of ********************. It appears that our client ** *********** was doing general renovations.
  
  As this work was outside of the expected scope of our client, we will need to contact them to seek clarification of the work that was done and any agreements that *** or *** not have been entered into.
  
  We will remove the collection from ******************** credit file at this time while we attempt to determine the nature and validity of the dispute of ******************** and the claim assigned from ** ***********

  Customer Answer

  Date: 22/04/2024

  
  Complaint: ********
  
  I am rejecting this response because: Credifax has not provided a timeline as to when the fictitious amount will be removed from my credit bureau, both TransUnion and Equifax. I would like the fictitious amount to be removed from my TransUnion and Equifax credit bureau immediately. Furthermore they have not addressed that **************** **** provided an invoice with a fictitious amount and he and they have violated my rights in relation to the ******** of ****** and ************************** ******** Services ******************* policy and procedures. I would like to know how they plan on rectifying this.  
  
  Sincerely,
  
  *******************************

  Business Response

  Date: 26/04/2024

  We made the request for removal to both credit bureau reporting agencies. We have no control over their timeline for removal. The complainant can follow up with the bureaus directly if required. As far as her claims regarding our client, she will have to follow-up directly with them as our file has been closed. Credifax has not violated any rights of the complainant.

  Customer Answer

  Date: 02/05/2024

  
  Complaint: ********
  
  I am rejecting this response because: Credifax has placed a fictitious amount on my credit bureau despite me advising of such and providing proof to them. Credifax has reported to TransUnion and Equifax that I owe **************** **** $562, and that the date of delinquency for this amount was Oct 12, 2023. I did not even know who **************** **** was in Oct 2023. I was introduced to him on Nov 27, 2023 and he proceeded to do the renovations in Dec 2023 of which I paid him the agreed upon rate for and thus owe him no outstanding balance. I advised Credifax of this and sent proof of this, and further sent them proof of the cost of the damages that I have experienced due to the faulty work that **************** **** did on my plumbing resulting in a leak and water damage. However Credifax disregarded this information and placed their fictitious claim/collection onto my credit report, which has negatively impacted my credit score and opportunities that I was seeking. This is a direct violation of my rights. I want proof that they have retracted their fictitious collection from both Equifax and TransUnion and that they requested for an immediate removal of their fictitious collection, as well as proof that they have closed their file.
  
  Sincerely,
  
  *******************************

• Initial Complaint

  Date:27/03/2024

  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.

  Hello,I would like to file a complaint against Credifax Limited.This company has been calling me and saying I owe ********** Rent a Car money. This is not true, and I do not owe this company anything. I've told Credifax Limited this multiple times now. I've also told them multiple times that I would like to dispute this debt, and I suggest ********** Rent a Car or Credifax take the matter to court. They still keep calling me.This company is in *******, and the law states that a collection agency cannot contact you without your consent if you: write to the collection agency and say that you dispute the debt; and suggest that the matter be taken to court.******************************************************** I've sent them emails and told them on the phone that I wish to dispute the debt and to take the matter to court. But they keep calling. Breaking the law.

  Business Response

  Date: 04/04/2024

  I conducted a detailed review of ************************ outstanding account with ********** **********. The file was listed on 02/09/2024 for $597.89. Upon our first contact with *******************, he told us "we should go after insurance". We advised him that that was his responsibility and he needed to follow-up with them as it was his insurance and privacy laws prevented us from contacting his insurance. He became belligerent using profanity, so it was necessary for us to end our first call. We made several subsequent phone calls each time he used profanity and then hung up on us. While the account was listed on February 9, no mention was ever made of ANY dispute until he emailed us on March 27 stating that it was a dispute and that he would file a formal complaint with the ******** of ******** and Corporate Affairs if we didnt stop calling him. No details have ever been provided with respect to his alleged dispute.
  

  Ive attached his original rental agreement and the invoice for additional mileage and fueling as he did not top up the fuel upon returning the vehicle.  Upon the review of the file and the clients documentation, I see no reason any dispute. I have also attached his email claiming that there was a dispute.
  

  A review of Mr. ********* credit indicates that he has other creditors who are unpaid and have either written off their balances or assigned them for collection. It is my opinion that his alleged dispute is nothing more than a means to avoid his creditor.
  

  Since the receipt of the email from *******************, we have initiated no further contact with him by any means. We have closed Mr. ********* file however, we will continue to report the outstanding collection to his credit file where it will remain for the next six years. I can only suggest that ******************** resolves this outstanding account in order to improve his credit standing.

  Business Response

  Date: 05/04/2024

  I conducted a detailed review of ************************ outstanding account with ********** **********. The file was listed on 02/09/2024 for $597.89. Upon our first contact with ********************, he told us "we should go after insurance". We advised him that that was his responsibility and he needed to follow-up with them as it was his insurance and privacy laws prevented us from contacting his insurance. He became belligerent using profanity, so it was necessary for us to end our first call. We made several subsequent phone calls each time he used profanity and then hung up on us. While the account was listed on February 9, no mention was ever made of ANY dispute until he emailed us on March 27 stating that it was a dispute and that he would file a formal complaint with the ******** of ******** and Corporate Affairs if we didnt stop calling him. No details have ever been provided with respect to his alleged dispute.
  
  Ive attached his original rental agreement and the invoice for additional mileage and fueling as he did not top up the fuel upon returning the vehicle.  Upon the review of the file and the clients documentation, I see no reason any dispute. I have also attached his email claiming that there was a dispute.
  
  A review of Mr. ********* credit indicates that he has other creditors who are unpaid and have either written off their balances or assigned them for collection. It is my opinion that his alleged dispute is nothing more than a means to avoid his creditor.
  
  Since the receipt of the email from ********************, we have initiated no further contact with him by any means. We have closed Mr. ********* file however, we will continue to report the outstanding collection to his credit file where it will remain for the next six years. I can only suggest that ******************** resolves this outstanding account in order to improve his credit standing.

  Customer Answer

  Date: 05/04/2024

  
  Better Business Bureau:
  
  The first time this company call me. Yes, I told them, "They should get ********** to rent a car to contact my insurance company." Because they are the ones that owe them money, not me. I'm allowed to use profanity when you guys are laughing at me during the phone call when I tell you I wish to dispute the debt. I hang up, and you call back, saying, "I'm sorry we got disconnected laughing." That's harassment.
  
  This man said "A review of Mr. ********* credit indicates that he has other creditors who are unpaid and have either written off their balances or assigned them for collection. It is my opinion that his alleged dispute is nothing more than a means to avoid his creditor." My credit with other companies should be none of this man's business. I don't have to explain to them what's on my credit report that has nothing to do with them.
  
  All you have to do is look at this company's ****** reviews, and they speak for themselves: nasty, condescending,rude,unprofessional, highly aggressive, *** ******** *** ***. This man will say, "Our collectors are not rude to people" or "All other collection agencies have negative reviews from people who owe money; this is very common with this type of business," like the previous complaint made here on BBB. I guess we are all lying. *** ***** ****** **** **** *** ********* **** *** **** ******* **** **** ******* *** ********
  
  This man said, "No details have ever been provided with respect to his alleged dispute." and "I see no reason any dispute. I have also attached his email claiming that there was a dispute." This is something this man and his employees could not understand and still can't understand. " The law says that a collection agency cannot contact you without your consent if you: write to the collection agency and say that you dispute the debt; and suggest that the matter be taken to court." I don't have to give you details. All I have to say is that I wish to dispute the debt, and you can take the matter to court yourself. Learn the law in your own province. ********************************************************
  
  Sincerely,
  
  ***************************

  Business Response

  Date: 05/04/2024

  We have no comment to Mr. ********* rhetoric. He has made numerous claims about the law that are inaccurate. To start with his insurance company doesnt owe the money, he does, in accordance with the terms and conditions that he signed. **********'s agreement is with ********************, not his insurance company. If his insurance company pays on his behalf, then it is Mr. ********* responsibility to contact his insurance to file a claim against with his policy. To the best of our knowledge, we know nothing about his insurance company, his policy number or whether he in fact even filed a claim with his insurance.
  

  While there are no laws about individuals like ******************** using profanity, our personnel do not have to listen to it.

  His credit file is relevant as we are legally able to obtain a copy of it in order to assess credit worthiness or ability to pay. No one has asked ******************** to explain whats on your credit file. It is a record of his credit history with various creditors. A credit file establishes an individuals financial character.
  

  No one ever accuse ******************* of lying however, that does not change the fact that he still owes the debt. We do not require consent to contact individuals who we have a legitimate claim assigned to us for collection. We have provided proof of the debt with the supporting documentation. However, we are required to stop contacting him upon receipt a written no not contact letter which we have done upon receipt of his email of March 28. It is accurate for him to state that he does not have to provide us with details of the alleged dispute and we have not contacted him requesting details of his claim.
  

  ******************** is correct;collection agencies do get poor reviews as they are more often reviewed by disgruntled people who owe money. Complaining to the Better Business Bureau does not change that fact that the money is owing to **********. In addition to reporting this collection to ******************* credit file, he should be aware that he will never be able rent a vehicle from **********, National, Alamo, Discount, Car Share or any other brand that ********** owns, any time in the future while this debt remains outstanding.
  

  I will not respond further to any of Mr. ********* commentary, rhetoric or insults about our knowledge of the law, as it changes nothing. Its worth noting for ******************** that the details of the collection laws in ******* can be found on our webpage at *********************************************** Collection and *************** Services Act, for his review and information.

• Initial Complaint

  Date:21/01/2024

  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.

  On the 23/11 2022,I was directed by my Insurance provider to obtain a rental from **********.Based on the booking,********** offered me a vehicle . I was told that I would be responsible for only charges other than rental such as parking tickets etc..I was requested to make a deposit by way of a credit card to cover any potential charges.I complied accordingly.As my contract ,stated the rental period of one day,I visited the rental office to return the vehicle.I was told the rental is not due until the 27th of December.On my seeking clarification I was told the ***************** has made the reservation until then,and I am *********** use the vehicle.Further the payment for this period would be made by the Insurance provider.I returned the vehicle on the due date.**********,accepted the vehicle and confirmed that no amount is due from **** was surprised to receive a invoice on 18/01 2023 requesting payment for an outstanding invoice amounting to $1052.29.I responded by EMail my position, as to why I am not responsible for the invoice.The invoice references RA # *****G ,which states that estimated is to be billed to the insurance provider. ********** has charged $300 on the credit card .This is in violation of the understanding that the deposit is to be used only to cover any additional charges .In spite of my numerous submissions,I have had no response to any of the matters raised by ****nstead I continued to receive requests for payment. On the 13/02 2023 received a collection letter from *** ******** *** ***********. I submitted a letter stating my position.On 21/03/ 2023 I received a collection notice form Consumer collections.I responded by email .On the 20/09/2023 ,I received a collection notice from Credifax..I have sent numerous emails stating my position.Without any response to my submissions I continued to receive notices and phone calls.I have come to know that Credifax has reported me to the **************

  Business Response

  Date: 30/01/2024

  None of the complainants issues have anything to do with Credifax. It would appear that the complainants insurance did not pay any of the rental as the complainant expected. It is important to note that it is the complainant's insurance and his responsibility to ensure insurance pays in accordance with the complainants policy coverage.
  
  The complainants $300 deposit was utilized as it appears that insurance did not pay any of the rental. The complainant should follow up with that his insurance or file a BBB complaint against his insurance company however, it is important to note that it is the complainant's insurance, not Credifax's, nor **********'s. In addition, it is also important to be aware that insurance companies do not rent vehicles, individuals do. The complainant's insurance company made a reservation with ********** and advised the insured that they would cover the rental for the duration of the repairs to his own vehicle. ********** merely billed the complainant for the period of time the complainant had the vehicle. Again, it had nothing to do with Credifax or **********.
  
  The complainant needs to take this matter up with this insurance. If they cover the outstanding amount due, the complainant will get his deposit back. 
  
  The bill for the rental is in the complainant's name and he signed the rental agreement. Consequently, the complainant now owes ********** ********** $1277.16. Complainant needs to follow up with this insurance company to determine what amount they will pay however, payment to ********** ********** remains the complainant's responsibility.

  Business Response

  Date: 30/01/2024

  This individuals complaint is regarding his understanding from his discussions with  his insurer and ********** ********** . It is unrelated to the collection of any outstanding balance. The complainant needs to understand that his insurance did not rent the car they reserved it on his behalf and committed to pay for it. Any outstanding balance that they did not compensate ********** for has nothing to do with Credifax.
  Credifax cannot refund monies paid to ********** for vehicle rentals. This individual was advised back in September 2022 that he needs to contact his insurance if they did not pay on his behalf as it is his insurance.

  Customer Answer

  Date: 01/02/2024

  
  Complaint: ********
  
  I am rejecting this response and attach a document stating the reason.Credifax,while attempting to distance itself from this issue,is also attempting to defend this wrongful billing. Its Credifax that has reported the debt to Credit Agency,and it must  take immediate action to cure the damage done to me.
  
  Sincerely,
  
  **********************

  Business Response

  Date: 02/02/2024

  We do not dispute what you believe you were told with one exception, your insurance company made a reservation for you and authorized you to spend up to $1500 on rental of a replacement vehicle. Unfortunately, your insurance company never made payment to **********. Since the vehicle was rented by you as per the attached signed rental agreement in your name, your deposit was applied to the $1,352.30 cost of the rental leaving $1052.29 outstanding (invoice attached). As your insurance company never made payment, the rental balance remains your responsibility until it is paid. Only you can follow up with your insurer to have them remit payment.  Neither Credifax ************** can follow up with your insurer in accordance with privacy laws. It is your insurance. If insurance takes responsibility for the outstanding amount and issues payment for the full amount, the reporting of this debt on your credit file will be removed. 

  Customer Answer

  Date: 06/02/2024

  
  Complaint: 21178022
  
  I am rejecting this response because:

  I have notified ************** ******** **T ************ Collections as well as Credifax of the following,

  1.I was advised on three occasions,as detailed in  my previous attachments,that I will not be responsible for any rental charges.

  2.**********,had a arrangement directly with the Insurance provide for the collection of rental charges.I was requested for a deposit specifically to cover other charges.,to mean traffic tickets etc.

  3.I was never advised, as to I will be underwriting the payment arrangement between ********** and the Insurance provider , nor did I consent to it.

  4.The agreement clearly states,payment is to be from the Insurance provider.********** relied on the understanding it had with the Insurance provide to rent me the vehicle.

  5.Further the agreement clearly states that ,my estimated charges to be zero.It states the amount that can and will be billed to the insurance provider. 

  6.It is the usual practice,for rental charges to be collected on the return of the vehicle.If so,why ********** waited   two weeks  to raise the invoice after the return of the vehicle?.

  7.If ********** was not paid by the  Insurance provider,why is it ********** not  perusing  collection form them?.

  8.If the invoice is relying on the agreement how can a agreement  for one day ,  be used to raise an invoice for 3 weeks?

  9.None of the above parties,including Credifax,have not rejected any of my my submissions nore responded to same.

  Details relating to these matters ,were all in the attachments sent previously.

  Further ,I would like to to advise Credifax,none of the submissions that I have ***** are merely my belief.They are factual recollections of what transpired during course of this transactions. 

  Considering the above,I hope Credifax will have the decency and courage to admit its mistake, and take immediate action to cure the same. 

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

• Initial Complaint

  Date:11/05/2023

  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 had a ticket from ********** ******** that was never sent to my address, they simply passed it on to this company who made no attempt to contact me by phone, only by an old address. I spoke with someone on the phone last year and paid the fine, I was told on the phone it would be removed from my credit file if it was paid, it was not. They also left the claim open with the credit Bureau's despite it being paid almost a year ago. When I called and asked for help the woman on the phone lied to me and said it was "not their problem" and told me I should have paid and how it is now on me to go around and speak to the credit bureau's to have it closed. I was lied to on the phone and told when it was paid it would leave my file and now they are saying they will not do it.

  Business Response

  Date: 26/05/2023

  The above-noted debt was assigned
  to Credifax for collection on 12/10/2021 by ********** ******** for an unpaid
  parking ticket when the complainant rented a vehicle from **********
  **********. A letter dated 12/11/2021 was mailed to the complainant notifying
  him of the collection assignment of the unpaid citation.
  

  The complainant should have been
  aware of the parking ticket as they are normally placed on the windshield of
  the vehicle at the time of the offence.
  

  Debts for this client are not
  reported to an individual’s credit file for 60 days from the date of assignment
  (grace period).
  

  On 01/10/2022 we issued a second
  letter to the complainant providing him with payment options. Mr. ******* contacted this office on 01/14/2022 upon receiving our correspondence, he spoke
  to a collections Officer who again provided payment instructions. Mr. ******* advise the collector that he would be paying the debt at that time, which would
  have been long before the expiry of the reporting grace period.
  

  We made several additional
  attempts to contact Mr. ******* by telephone and issued 2 further letters to
  Mr. ******* without reply. We did not we receive any returned mail from the
  above-noted address.
  

  At no time was Mr. ******* told
  that this would be removed from his credit file. We do not negotiate payment on
  the basis of removal of our reporting obligations to the credit bureaus once
  the grace period has expired. When we first spoke to Mr. ******* on January 14,
  Mr. ******* would have been told that the citation had not reported to his credit
  file. We also issued a letter on February 8, 2023 warning the complainant of
  the impending reporting of the citation to his credit file without a response
  from the complainant.
  

  On 07/19/2022 we finally received
  payment by email money transfer, more than 7 months after the debt was assigned
  for collection.
  

  If this collection had not reported to Mr.
  ********* file, it is unlikely that he would have paid this obligation. Once the grace period expired 60 days after the original assignment,
  this debt assignment becomes a permanent blemish on his file for the next six
  years. We have updated the status of this debt as paid.
  

  No corrective action is required,
  nor will any change result on the complainant’s credit report.

• Initial Complaint

  Date:15/09/2022

  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 first received a letter dated 5/27/2022 regarding two charges, $7.00 and $9.34, for a total of $16.34 relating to ********** ******** ***. I sent an email to the collections officer on 6/16/2022, asking for back up documentation for the charges, and expressed disappointment that ************************* had not reached out to me directly, as I rent from them frequently.
  After no response by 6/21/2022, I followed up with a second email. I received a reply on 6/22/2022, suggesting that the tolls were for 2x ****** invoices, however I had no rental business with this corporation in the province of Ontario. I further asked for detailed invoices, as well as a signed rental invoice. On 6/24/2022, I was notified that the charges were actually related to highway *** in Montreal, with descriptions of the vehicles. These charges are valid, and not contested, however they are business expenses and receipts are still required.
  Meanwhile, I have received follow-up letters dated 6/23/2022, 7/23/2022 and 8/31/2022, which was a FINAL NOTICE and a comment that I should "Govern myself accordingly". On 9/15/2022, I called the new collector and asked for an update - specifically for the invoices required, and asked why I'm still getting letters threatening to damage my credit report, when I have been actively driving the conversation since mid-June. The employee became increasingly ignorant, suggesting that it is my responsibility to communicate with ********** ******** directly, to obtain the necessary documents. Without any further information on the invoice numbers, and now having Credifax as the creditor that is due funds, ********** ******** was not able to help me.

  Business Response

  Date: 14/12/2022

  I have reviewed the collection files for the complainant and discussed the details of our
  activities and interaction with our collections officer, **** * ******. I have also reviewed Mr.
  *************** complaint and find both accounts are essentially acccrate. However, I
  dispute Mr. *************** characterization of **** ****** as “increasingly ignorant” for
  suggesting that it was his responsibility to communicate with ********** ******** ********,
  as this is his opinion and is not based in fact.
  We have requested the supporting documentation from our client that will be forwarded to
  the complainant upon receipt. Mr. *************** acknowledges in his complaint that “these
  charges are valid, and not contested” and he has since paid the outstanding tolls.
  We Our file has been closed noting that these debts have not been reported to *** ********
  ********* credit file.