Business Profile

Collections Agencies

MJR Capital Services Inc

BBB Accredited Business B+Rated by BBB

Important information

Customer Complaint:
Due to the volume of complaints received, BBB is publishing the details (text) of 50% of complaints as a representative sample.

Complaints

This profile includes complaints for MJR Capital Services Inc's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

164 total complaints in the last 3 years.
65 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.

Initial Complaint
Date:08/01/2025
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.
I wish to file a formal complaint with MJR Capital Services operating out of Ontario. (Collection Agency)

I suffered days of harassment with phone calls demanding I pay over the phone with a credit card. There were no formal letters or letters of intent prior to the phone calls. When I refused to give my credit card number over the phone without an invoice proving I owed money, I was hung up on.

Calls continued by different agents until I demanded an invoice be emailed to me. Finally I received a makeshift invoice that I verified with the company I allegedly owed money to. I responded to the email promptly and informed them over the next couple of days of my intent.

I paid the alleged amount owing to these debt collectors and still have not received in writing a receipt of payment or a final release. It has been over 30 days.

They appear to be ignoring my emails. I worry my credit scores have been hurt by this encounter and I have no recourse. *** * *******?

I have the emails I sent them on file if you request. (not sure how to upload an email chain)

Thanks for your time.

**** ******
Business Response
Date: 09/01/2025
Hello **** ******,

We appreciate your communication and
welcome the opportunity to respond. We have investigated this matter in
its entirety, and offer the following response to your concerns.

We’re sorry to hear that your experience
with us was not positive. We have forwarded your concern to our
management to find out where our processes were not followed and ensure that
similar situations are properly handled going forward.

A release letter was prepared and
emailed to you on 08Jan2025. Should you have any further questions, please
contact us through our website, https://www.**********************/ attention ombudsman. Please provide reference number *********

Thank you for bringing this matter to
our attention.
Customer Answer
Date: 13/01/2025

Complaint: ********

I am rejecting this response because:
1. I am concerned their mismanagement of my file has affected my credit rating at the Credit Bureau. I received no assurances one way or another.
2. I am concerned for others in my predicament where MJR has called demanding credit card numbers over the phone and told they are not owed an explanation. This promotes mistrust and *****. Indeed, I thought I was being swindled until an invoice was finally produced. I received NO paper copies from either ****** or MJR informing me that I was behind in ANY payment. I still havent. (I did receive the final release in previous email on Jan 8th. I believe this is satisfactory now that this saga has ended.)
3. There seemed to be no record of previous calls made to me. I received approximately 5 calls over a week, and the next caller did not preface my concerns I made to the previous caller. ie: I will not provide a credit card number to a voice over the phone merely because they demand it. I requested their operational number to operate in Alberta and was denied.

I will live with the consequence of my actions. My interactions with MJR are solely from my financial hiccups. I do not expect to be treated curtly from a collection agency. On the contrary, I expect to be treated ****** as is the nature of the dicey conversations with insolvent denizens. I only ask is that they follow their own procedures and provincial rules. I am most concerned with Bullet One.

Sincerely,

**** ******
Business Response
Date: 21/01/2025
Hello Mr. ******,

MJR does not report to the credit bureau
companies for this credit grantor. Where applicable, credit grantors
update the credit bureau based on their credit updating policies, over which we
have no influence or impact. You can contact the credit bureau companies
for a free copy of your credit report. *********** ************** *** ******** ***************

For this credit grantor, we can only
provide a balance letter, which was provided to you. You should have been
directed to the insurance company’s website to self-serve for supporting
documentation for the outstanding account. We will ensure that our team
is reminded to properly direct consumers when documentation is requested.
It is our practice to help consumers pay their accounts immediately; the
balance of your file was relatively small, so payment by phone was recommended
by our agents.

Finally, our operating license in
Alberta is ******. Our license is valid until 30Nov2025, at which time a
renewal is made.

I trust that I have answered your
concerns, however, should you have any further question, please contact us
through our website: https://**************************/.
Please include reference number ********.

Thank you
Customer Answer
Date: 22/01/2025

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:20/03/2024
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.
This company has been calling my ex-husband regarding an alleged debt collection under my name and his phone number. He has repeatedly stated to them that this is not the phone number to contact me at, however they refuse to take my phone number from him and continue to harass him with phone calls. According to the Government of Ontario (******** ** ****** * ******** ******* ******** * ******************************************************************), collection agencies are not allowed to "contact you more than 3 times in a 7-day period without your consent".
My ex husband was contacted the following dates:
March 12 - 3 phone calls
March 13 - 7 phone calls
March 14 - 3 phone calls
March 15 - 2 phone calls
March 16 - 1 phone call
March 18 - 2 phone calls
March 19 - 1 phone call
For a total of 19 phone calls in a 1 week period
I contacted them myself on Tuesday, March 19, 2024. The woman on the phone was extremely **** and told me there was no point in filing a complaint against them when I informed them that I would be doing so (as requested by the MPBS website). When I reiterated that it was my right to file a complaint, she then proceeded to hang up on me. The call was made at 11:46 on Tuesday, March 19 for your verification purposes and was recorded.
Awful company to deal with. What a terrible and stressful experience for the consumer.
March 18
Business Response
Date: 28/03/2024
Dear ******* ******,

We appreciate your communication and
welcome the opportunity to respond. Our staff are trained to remove phone
numbers from non-responsible parties, however, in this particular case, the
agent did not follow our procedures and calls continued to your ex-husband in
error. His number has been removed from our file. We apologize for
the resulting inconvenience. Our management group has addressed the agent
and will provide reminders to our entire team.

Please note that MJR has respected the
allowable call frequencies. The 3 in 7 rule applies after we establish
right party contact which occurred on March 18, and does not include
unsuccessful contact attempts. Also on the call of March 18, you
requested written communication only. Normally, such a request must be
made in writing, however, we have updated your file accordingly. We have
requested proof of debt and once received, it will be mailed to your
address. Please give this your time and attention so that we may bring
this matter to a resolution. Should you have any questions, please
contact our supervisor, Ms. W., toll free at 1.877.669.4935 e****.

Thank you for bringing this matter to
our attention.
Initial Complaint
Date:06/02/2024
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 have received 2 phone calls from this place (Jan30 & Feb5). Half of the message I cannot understand. All my bills are PAID, except my mortgage which is paid monthly and up to date. This phone number is my husband’s and not one I use. The intrusion and stress this has caused is unexplainable. I don’t owe any money; please stop phoning me. I know, for a fact, that there is a ******* ***** in SK. Perhaps that is who you are looking for. Please stop calling me.
Business Response
Date: 07/02/2024
Hello
******* ******,

We
appreciate your communication and welcome the opportunity to respond. We
have investigated this matter in its entirety, and offer the following response
to your concerns.
It is not our wish to contact wrong
parties, and as such MJR’s policy is to immediately remove wrong numbers from
our files. In this particular case, we were only made aware of the wrong
number through your complaint via the BBB website. Once received,
we removed your telephone number from our file. You will receive no
further calls from us in this matter.
Thank
you for bringing this matter to our attention.
Customer Answer
Date: 08/02/2024

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,

******* ******
Initial Complaint
Date:26/01/2024
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 have been receiving a lot of calls from this company without anyone talking from the other line. I also received texts asking for certain ***** ***** to pay his debts at ****** ****** or something.
That person is not me and i don't have any debts. I replied to their text and filed a complaint on their website stating that it is not me that they're looking for but without any reply and any stoppage on calls.

It is so annoying because they use random phone numbers including their own which bif you answer, there is nobody speaking so i choose not to answer anymore. There has been an increase of calls during the end of December 2023 to the moment i am writing this.

I want this to stop.
Business Response
Date: 31/01/2024
Hello
****** *** *****,

We
appreciate your communication and welcome the opportunity to respond. We
have investigated this matter in its entirety and offer the following response
to your concerns.

It
is not our wish to contact wrong parties, and as such MJR’s policy is to
immediately remove wrong numbers from our files. In this particular case,
we were only made aware of the wrong number through your complaint via the BBB
website. Once received, we removed your telephone number from our
file. You will receive no further calls from us in this matter.

With
respect to our agents not answering phones, we may have been experiencing a
large volume of answered calls at the time we contacted you and no one was
available at that moment to connect with you. While we do our best to
monitor our calling campaigns to avoid such situations, they do occur from time
to time. We apologize that your experience was not a positive
one.

Thank
you for bringing this matter to our attention.
Customer Answer
Date: 31/01/2024

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,

****** *** *****
Initial Complaint
Date:25/01/2024
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.
I continue to receive multiple calls a day from this company even though I have told them I filed a consumer proposal over 2 years ago in which all debts were settled. If this continues I will file charges against the employee of the company that calls me personally.
Business Response
Date: 26/01/2024
We appreciate your communication dated 04Jan2024 and received by MJR on 24Jan2024. It is not our wish to contact wrong parties. Please contact our Response team through our website https://************************** and provide the number you wish for us to remove. Thank you for bringing this matter to our attention.
Customer Answer
Date: 26/01/2024

Complaint: ********

I am rejecting this response because:
I have sent them a form stating what I have told them several times in the past and the numbers to not contact. With this company I have my doubts that it will work.

Sincerely,

***** ******
Business Response
Date: 31/01/2024
Dear
***** ******,

We
appreciate your communication and welcome the opportunity to respond. We
have investigated this matter in its entirety and offer the following response
to your concerns.

MJR
is reaching out on behalf of an insurance company regarding accounts
established within the last two years. While we respect your request for
no further calls, the outstanding matter persists and requires your immediate
attention. The insurance company has emailed you notifications of this debt,
however, should you require assistance, or reprints of your invoices, please
contact them toll free at 1.844.766.6382. For payment, please contact our
supervisor, Ms. ******, toll free at 1.877.669.4935 e***.

If
these debts are part of your consumer proposal, kindly provide a copy to us at ******@**********.com, attention
ombudsman. Please include reference numbers ******** and ********. Our
administrative team will promptly forward the documents to our client for
processing.

We look forward to hearing from
you. Thank you for bringing this matter to our attention.
Initial Complaint
Date:04/01/2024
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.
The company claimed I owed *** an amount that was closed more than a year ago. I exchanged conversations with Craig C. to resolve it and paid the amount they said would resolve it. I am still receiving emails asking for more money on top of the resolution. I have all the proof of the request and the money paid.
Business Response
Date: 11/01/2024
Hello
***** *********,

We
appreciate your communication through the BBB website and have thoroughly
investigated this matter.

In
November 2023, a settlement was offered to you, however, you short paid the
settlement by a small amount. Unfortunately, the total amount that you
paid did not fall within our parameters to settle the account, and as such,
collection calls were made to you to cover the shortfall. In the interest
of bringing this matter to a positive resolution, MJR asked the Bank for a
special exception to close your account. They agreed to accept your
payment as settlement in full. Your account has now been closed and a
release letter will be mailed to your home address. As per our normal
process, credit bureau updates will be sent to ******* and **********.
Each will update its record according to their internal processes and
timelines.

Thank
you for bringing this matter to our attention.
Initial Complaint
Date:08/06/2023
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
It started with a purchase at ***** diamond center. They pushed to get their credit card for the purchase. I agreed and signed up. I paid the balance of the transaction to the account they provided with the card. Turns out they were under going and switch with credit card companies, so I technically paid the old company and the new company was looking for payment. After almost 2 years, we got it settled, paid and closed between *******, MJR Capital and myself and we closed the account. Forward to present day 3 years later, I received a statement from ******* showing a credit of the amount of the original battle and fees being deducted from a credit. ******* can't fit it. They stopped the account statements from being sent, but can't close the account, they forward me to MJR Capital again and again. No one at MJR will answer the phone or return emails. 1. How does a closed account reopen after 3 years? 2. How do you justify taking a fee off a credit?. 3. How do I stop this before fees eat the credit (that isnt mine) on an account that should exist, and put my name into collections?. That will actually hurt me in the long run?it took me 2 years to fix this the first time and collections was almost involved then!!! Thank you for your help and time
Business Response
Date: 15/06/2023
Dear Katherine Coyle,

While
we regret the circumstances prompting your communication, we welcome the
opportunity to respond. We have investigated this matter in its entirety,
and would like to offer the following in response to the allegations presented
to us through the BBB website.

We
confirmed that your file is closed with both MJR and the credit grantor.
When MJR closes its files, we electronically notify the credit bureau companies
and they are supposed to update the record. We checked both credit
bureaus and found that an active record was showing for you. An update
request was sent to ******* on 14Jun2023. Please allow 5 business days to
update.

Thank
you for bringing this matter to our attention.
Customer Answer
Date: 15/06/2023

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.

I Would also like to be updated when the open file against me has been corrected. I have recieved another email statement from ******* on my account, again statement is dated after account closure.

Sincerely,

***** *****
Initial Complaint
Date:08/05/2023
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 have received numerous calls from them. most calls are automatically screened by my phone and the caller leaves a message. I answered two calls and got a series of tones before being disconnected. I understand that this is a debt collector. They are asking for another name. This is not for me. I have no outstanding debts. I want my number removed so this doesn't affect my credit rating.
Business Response
Date: 10/05/2023
Dear
*** *******,

While
we regret the circumstances prompting your communication, we welcome the
opportunity to respond. We have investigated this matter in its entirety,
and would like to offer the following in response to the allegations presented
to us through the BBB website.

It
is not our wish to contact wrong parties, and as such MJR’s policy is to
immediately remove wrong numbers from our files. In this particular case,
we were only made aware of the wrong number through your complaint via the BBB
website. Once received, we removed your telephone number from our
file. You will receive no further calls from us in this matter.

Thank
you for bringing this matter to our attention.

Thank you,
Julie
Initial Complaint
Date:26/04/2023
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 don't live with ** ******. This number, ************ **** ******* ****** ****** **** ** ** ******** ** keeps calling ** ** **** *** ******* ***** ***** (not me, ***** *****) and leaves a message pertaining to me. The message says it's MJR Capital Services, **** ******* **** **** ****** ************ *** *** *** *** ** ***** **** ********* I know my credit record is clean. I don't want to phone this number back ******* * ** ******* ***** * ***** I want them to stop calling ** ****** ** *** ************* ** ** ** ********* *** *** **** **** *** *** *** * ***** ********** ** ******* number is unlisted ** *** *** ******** I don't know how they got *** number to begin with.
Thank you.
Business Response
Date: 02/05/2023
Dear
***** *****,

While
we regret the circumstances prompting your communication, we welcome the
opportunity to respond. We have investigated this matter in its entirety,
and would like to offer the following in response to the allegations presented
to us through the BBB website.

Your
mother’s number has been removed from our files. She will
receive no further calls from MJR.

MJR
is a collection agency, and one of our clients has asked us to contact
you. For security and privacy reasons, we are permitted to share details
regarding this matter with you only, and we may not leave details on answering
machines or communicate via email. To better assist you, please contact
********** ***** **** **** ** ************** **** with reference number *******. You will be required to verify your identity and then account
details can be shared with you, and supporting documentation can be sent to
your home address.

Thank
you for bringing this matter to our attention.
Thank you,
Julie
Initial Complaint
Date:24/04/2023
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 don't owe any debt but they keep calling me for no reason, and using a different number each time. They **** call me at least 5 times a day.
Business Response
Date: 28/04/2023
Dear
***** *** *****

While
we regret the circumstances prompting your communication, we welcome the
opportunity to respond. We have investigated this matter in its entirety,
and would like to offer the following in response to the allegations presented
to us through the BBB website.

Your
number has been removed from our files and placed on our Do Not Call
List. MJR is a collection agency, and one of our clients has assigned an
outstanding matter involving you in our office. For security and privacy
reasons, we are permitted to share details regarding this matter with you
only. To better assist you, please contact *** *** ****** **** **** ** ************** ***** or via email at *********************.
Please quote reference **********. You will be required to verify your
identity and then account details can be shared with you.

Thank
you for bringing this matter to our attention.
Julie
MJR Capital Services Inc.
Customer Answer
Date: 02/05/2023

I am rejecting this response because: Still getting called.
Business Response
Date: 10/05/2023
Dear
***** *** *****

Thank
you for your email. We looked into this further and found that your
number was not properly removed as we had indicated. We apologize for
this oversight. We have removed it and you should receive no further
calls from us.

We
apologize for this oversight. If you receive any further calls, please
contact us at ********************* ********* *********.
Customer Answer
Date: 02/10/2024
They are harassing me again after I filed a complaint last year about this, it seems they forgot again? I don't owe any debt AT ALL as I only have one credit card and always paid full amount on time, and I also paid off my other debts long before they were due. So basically, they have no clue what they are doing.
Business Response
Date: 09/10/2024
Hello Ms. ****. It is not our wish to contact
wrong parties, and our agents are trained to remove wrong party
information. Because we work on behalf of many companies, your number was
on another file assigned to us. We have removed your number and placed in
on our permanent Do Not Call List so that you will receive no further calls
from our organization. We trust that this will resolve your
concern.

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MJR Capital Services Inc is BBB Accredited.