Complaints

This profile includes complaints for goeasy Ltd's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  goeasy Ltd

  510 - 33 City Centre Dr Mississauga, ON L5B 2N5

  
• 

  goeasy Ltd

  16, 1500 Cranbrook Street N Cranbrook, BC V1C 3S8

• 

  goeasy Ltd

  3 2404 Centre St NE Calgary, AB T2E 2T9

• 

  Easyfinancial Services

  10596 King George Blvd Surrey, BC V3T 2X3

  
• 

  Easyfinancial Services

  106 3000 Louie Dr Westbank, BC V4T 3E2

  

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:09/07/2025

  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.

  Easy Financial has been reporting incorrectly to ********** since April 2024 stating I am in Credit Counseling and my account is derogatory, which it is not and has not been. I have called the local branch, and customer service line, I have emailed multiple times I lost count, I have provided them with my credit check showing it is incorrectly reported since April 2024 and I just keep getting told by their employees that they will “put in a ticket to get it resolved”. I never hear anything back until I complain again, to which I am told the same thing “they will put in a ticket for the problem to resolve it”. This is hurting my credit, my score dropped, and I have been denied loans due to “being in credit counselling” (again I have not been in credit counseling).

  Business Response

  Date: 17/07/2025

  
  I would like to address your credit reporting issue.
  
  I have received a copy of your credit report and have thoroughly reviewed your account. Additionally, I spoke with our insolvency team to verify if we have received any credit counseling documents, consumer proposals, or bankruptcy filings. It has been confirmed that we have not received any such documents to date.
  
  I have updated our request to the credit bureau for a correction to your credit report. In the meantime, I would like to reassure you that, to date, you have not enrolled in credit counseling, a consumer proposal, or bankruptcy in regards to the loan. Please confirm that you have not enrolled in credit counseling, a consumer proposal, or bankruptcy program to date.
  
  We are  working diligently  to resolve this  matter.  Should you have any further  questions or concerns please do not hesitate to contact us at  1-*********** or  via email. 
  
  Thank you for your continued patience and cooperation.
  

• Initial Complaint

  Date:08/07/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have a loan with Easy Financial sydney ns ****** ****** location. I have loan protection insurance and I was laid off may 7 2025. My loan insurance is making the payments on my loan. Easy financial has repeated taken the payments from my account. They have given me back some of my money but not all of my money n told me that direct payments from my bank account was turned off but payments are coming out of my bank account. I called them to to get my money back as I provided them with the payment notice from my insurance stating a payment was made to cover that time period. I'm december 2024 I had a claim and my insurance made a payment to Easy financial on my loan they also took payments from my bank account but haven't given me my money back for those payments. When I call them td to get my money back they told me I have to pay them 8.99 e transfer fee or wait 3 to 5 business days for my money to be returned.

  Business Response

  Date: 14/07/2025

  Thank you for sharing customer's concern. At Easyfinancial, we are committed to addressing customer concerns efficiently and effectively.

  We apologize for any inconvenience customer have experienced. Upon reviewing your account, we found that the extra payments have already been refunded  and the preauthorized payment arrangement was cancelled  for the period covered by the insurance claim to prevent any further charges. Additionally Easyfinancial  also contacted customer to ensure all customer concerns are addressed. 

  
  

• Initial Complaint

  Date:26/06/2025

  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.

  *********** calling 6-7 times a day claiming I owe when i was charged 2 times in a week the 18th AND the 20th of June
  
  Keeps sending me emails calling past 8 has made an impact on my credit score, sending me emails threatening collections.

  Business Response

  Date: 02/07/2025

  easyfinancial appreciates the opportunity to address the
  customer's concerns. Following a thorough investigation of the account, it was
  noticed that the payment made on 06-18-2025 was applied incorrectly. easyfinancial
  is committed to working with the customer to rectify this error.
  
  Under normal circumstances, the company would contact the customer to collect
  the outstanding amount. However, after the investigation, this collection
  activity was stopped. The resolution team is actively working on correcting the
  account and will be keeping the customer up to date every step of the way.

• Initial Complaint

  Date:16/06/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I took a loan from EasyFinancial in April 2024. Since then, I have made regular payments every two weeks and then monthly, as agreed. Despite these payments and partial payments made during financial hardship, EasyFinancial is still stating I owe a large outstanding balance.
  
  On June 11, 2025, I made a partial payment as requested. However, on June 14, 2025, EasyFinancial attempted to withdraw the full payment amount from my bank account without my consent, which caused an NSF (Non-Sufficient Funds) fee.
  
  They have charged me multiple NSF fees due to unsuccessful withdrawals, and I agreed to several payment deferrals because of financial difficulties. However, the loan balance they claim does not clearly reflect the payments I have made. I requested a detailed breakdown of my payments, fees, and remaining balance multiple times, but they have not provided clear documentation.
  
  I missed my payment on May 20, 2025. After I complained by email, EasyFinancial stopped contacting me and my wife, who is a co-signer.
  
  Their threatening messages and threats of legal action have caused significant stress to my family. I have a wife and three children, including a newborn, and I am struggling to manage these financial and emotional pressures.
  
  Desired resolution:
  
  A clear and accurate statement of my loan balance and payment history
  
  A refund or waiver of any unfair fees related to NSF or deferrals
  
  Confirmation that no legal or collection actions will be taken until this dispute is resolved

  Business Response

  Date: 27/06/2025

  easyfinancial is currently in active communication with the customer and has established an ongoing dialogue to address the concerns outlined in the complaint. The customer is working directly with a Resolutions Specialist from our head office, who is reviewing the account and addressing concerns related to the payment history, fees, and account balance.
  We understand the importance of providing clarity and transparency, particularly during times of financial hardship. We are also reviewing the concerns raised regarding NSF charges and payment deferrals as part of our investigation.
  easyfinancial takes concerns related to communication seriously, and we are actively working to ensure that both the customer and their co-applicant are treated respectfully and kept informed throughout this process.
  We remain committed to resolving this matter in a fair and timely manner and will continue to work directly with the customer toward a satisfactory outcome.

• Initial Complaint

  Date:16/06/2025

  Type:Sales and Advertising 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 had a loan with EasyFinancial (Goeasy Ltd.) that was paid off in full in May 2025. Since the loan has been paid off, I have been contacted several times via phone and email from this branch for loan offers. I have said via email and with a rep on the phone that I am no longer interested in their services and to not contact me again. I have been getting daily calls and emails from them to sign up for another loan. I have asked to speak to the branch manager to request for all contact to stop and I’ve been told that I’ll get a call back or that they’re not in. I have not been contacted by the branch manager and continue to receive calls and emails.

  Business Response

  Date: 27/06/2025

  Thank you for sharing your feedback. easyfinancial takes these concerns seriously and appreciates the opportunity to address the issue regarding excessive calls, texts, and emails.
  
  It appears the customer has repeatedly requested that we cease contact, as she is not interested in obtaining a new loan. In response, her account has been updated and placed on a Do Not Solicit list, with processing expected to be completed within 24-48 hours. easyfinancial sent an email to our marketing team directly to request removal from our mailing list.
  
  Additionally, easyfinancial have instructed the branch to refrain from contacting the customer by phone, email, or text going forward.
  
  We sincerely apologize for the inconvenience caused by the multiple outreach attempts and hope this resolution addresses all concerns.

  Customer Answer

  Date: 04/07/2025

   
  
  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:09/06/2025

  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.

  Over a year ago I had made application for a loan yo ****** financial was approved for 5000.00 and at 3.99 percent interest rate.
  
  Once approved then I was referred to easy financial for the funds to be released to my Direct deposit bank.
  
  Was only not long ago I asked how much I owed and how much the interest rate was ** *********
  
  I was shocked for i have been paying bi weekly over a year figuring was 3.99.
  
  Now I checked with ****** finacial adds as attached now they are charging 9.99.
  
  ** **** ******** ** ** ****** ********
  
  182.52 again been paying over a year and you see from the letter I still owe over 5000.00.
  
  I am asking for an investigation and reaching out for help please.
  
  
  **** ********* 
  
  

  Business Response

  Date: 19/06/2025

  
  easyfinancial acknowledges the concerns raised by the customer and wishes to clarify the situation. The loan in question was processed in partnership with ****** Financial. While ****** Financial's interest rates start at 9.99%, easyfinancial's rates during 2024 ranged from 29.99% to 46.96%. In this particular case, the customer was approved at an interest rate of 46.96%, which ****** Financial communicated as a monthly rate of 3.99%, rather than annually. easyfinancial apologizes for any misunderstandings that may have occurred during the processing stage.
  
  To further clarify how interest is applied:
  
  - Interest Application: Payments made at the beginning of the loan term will primarily cover interest rather than the principal. As the customer continues to make payments, the interest portion will decrease, allowing more of the payment to go toward reducing the principal balance.
  
  - Extra Payments: Customers are encouraged to make extra payments, which can reduce the total interest paid and shorten the loan term.
  
  easyfinancial is committed to addressing any further questions or concerns the customer may have. The company appreciates the customer's understanding and encourages them to contact the customer service team for additional support.

• Initial Complaint

  Date:30/05/2025

  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.

  ***** ** *** ****** ** *** *** **** ********!
  May 27, 2025
  - Visited the website: https://********************** - I clicked get a loan quote with terms stating that applying wont affect your credit score
  - I wanted a quote on the interest rates available for a $7000.00 quote. My AC and hot water tank needs replacement so I was shopping around to see what is out there.
  - The form glitched out so I just left it
  May 28, 2025
  - Contacted by a sales rep to complete the loan quote
  - I was very direct that I did not want to apply for a loan and only wanted a quote!!!
  - So I send him the required information, kept mentioning that I did not want a loan just wanted a quote
  - Part of the requirements were to link your bank account to the application so you can verify your income. I did this.
  - I have a personal account as well a joint account with my partner.
  - They asked me about a credit card payment....that was on my joint account. Which I did not give them permission to access. Told them that it was my partners credit card and a bill payment was made from the joint account.
  - End result: instead of giving me a quote that I requested and was very direct about they went ahead with a loan application....leaving me with a hard credit inquiry on my credit report. Not only that, they entered wrong information on the application stating that my partners credit card was mine, resulting in a high debt ratio and said that no other banks would look at me. I asked them to fix this infomation and was told nothing could be done.

  Business Response

  Date: 10/06/2025

  At easyfinancial, we take your concerns seriously. We understand that you were only seeking a rate quote—not a formal application—and we're sorry for the unexpected credit check and the use of joint account information you did not authorize.
  We're also reviewing how incorrect information was submitted and why it’s been difficult to correct. This doesn’t meet our service standards, and we regret any impact this may have had on your credit profile.
  
  To make things right, we will:
  Review and, if appropriate, request the removal of the credit inquiry.
  Correct any inaccuracies in your application, including third-party debt.
  Improve our process to ensure customers requesting quotes are not treated as formal applicants without clear consent.

• Initial Complaint

  Date:30/05/2025

  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 entered into a loan agreement on Sept 20th, 2024. We were told we could pay this loan out early at any time. I replied to 2 emails sent by the company asking for payout amounts in advance of potentially being able to pay the loan off. I received no response. I called the company on May 14th and requested a payout statement. A payment came out of my account May 15th. I have now called back 2 times Monday May 26th and again yesterday May 28th. Both times I was told the statement would be emailed that day.

  Business Response

  Date: 09/06/2025

  easyfinancial would like to express their gratitude to the customer for highlighting this issue. They apologize for any miscommunication regarding the secured payout process. easyfinancial clarifies that their secured personal loan is open, but if a customer decides to pay it off before three years, a six-month interest penalty is applicable. This penalty is based on the remaining principal as detailed in Section 6 of the terms and conditions.
  
  easyfinancial aims to deliver payout statements within five business days of a request. They acknowledge there was a delay with the initial request made on May 14th, which may have been inadvertently missed. easyfinancial assures the customer that there was no intention to delay the process. However, once the customer reached out again, they promptly provided the payout statement within the estimated timeframe.
  
  Following the issuance of the statement, easyfinancial confirms that the payout was processed on May 29th, and the loan has now been closed. They remind the customer that the discharge document will be available 30 business days from the payout date.
  
  easyfinancial apologizes once more for this experience and sincerely hopes the customer will consider them again for their financial needs in the future.
  

• Initial Complaint

  Date:23/05/2025

  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.

  I took out a loan with easy financial with the disability insurance and almost had it paid off. $5800 was all that was left owing. when I got hurt. And according to there policy if I make payments after the disability application is filed I would be reimbursed. And I could be covered for up-to 2 yrs
  It took 4 months to approve the application.
  The same day it was approved the loan was payed off and my account was closed. When I found this all out I was told i couldn’t be refunded the payments I made after the application was filed because the account was closed.
  To get my refund they would have to reopen the account and that would make the account over due and they would send me my refund but then the account would be open and i would have to make payments until 2029 with was the original maturity date. ******** (the insurance company) with is a sister company of easy financial even had me get a continuation form filled out so my claim could be extended
  Do you have any advice on how I can get reimbursed with out having to make payments for the next 4 years

  Business Response

  Date: 09/07/2025

  easyfinancial appreciates the opportunity to address the
  customer's concerns thoroughly. The customer had a loan with us and was making
  regular payments. During this period, the customer filed an insurance claim,
  which took some time to approve due to missing information. Once approved, the
  payments had to be backdated and applied to the loan.
  
  While the insurance claim was being processed, the customer made a significant
  lump-sum payment to reduce the principal balance. Additionally, the customer
  continued making payments through online banking, which accelerated the
  reduction of the loan balance and saved on overall interest.
  
  Since the majority of the insurance payment was backdated, it was used to pay
  off the account, alongside the payments made by the customer. Our policy is to
  refund payments made by the customer if they were covered by insurance.
  However, since the insurance payment arrived after the customer had made these
  payments, the account was marked as paid in full.
  
  The customer requested a refund for the payment. Upon reviewing the account, we
  informed him that refunding his payments would reopen his loan, resulting in a
  past due status due to no payments being made since January. This would
  accumulate five months of interest and could lead to reapplying the lien on his
  home.
  
  The customer initially insisted on receiving the refund. As a result, the
  company prepared to send back the funds. However, after speaking with a manager
  who explained the process and potential consequences, the customer decided to
  cancel the refund and keep the account closed.
  
  To further assist, easyfinancial conducted an additional review and waived some
  of the interest paid by the customer during the time between his payments and
  the receipt of the insurance funds. This gesture aimed to support the customer
  in improving his financial situation, reflecting our commitment to helping our
  customers achieve better financial health.

• Initial Complaint

  Date:22/05/2025

  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.

  First of all, thanks for assisting me with another identical case.
  
  This Complaint is as follows:
  
  Company Name: Easy Financial
  
  Complaint: A settlement was requested from Easy Financial. It was offered at $2700, which I accepted. * ** ********* 3 emails that’s shows the settlement offered, a payment made and a last letter indicating one payment is left. To the best of my knowledge at that time the last due payment was approximately $300.
  
  Now I have been contacted by a new collection company stating I owe an amount of $7300 to Easy Financial. I told the agent calling this was a settled account over 4 years and I do not owe anything.
  However, they reported this account is in collections to *******. I’m sure in efforts to forcing me into paying the amount. But not only this, but to negatively impact my Credit Score, which it has done, at a very crucial time when I am desperately trying to rebuild for a future loan.
  
  The timing from this new collection agency is impeccable. It came just weeks after I was inquiring into my ******* File. I had told ******* that the Easy Financial account has been settled.
  
  Note: Since the last letter stating one payment left, I have had no contact from Easy Financial in over 4yrs.
  
  2 Note: My medical note describing I had suffered seizures and stroke I have attached was the basis for getting a settlement approved.
  
  2. The attached letter and emails are the only proof I have of what transpired. My bank account was compromised and a that account was closed and a new one opened.
  
  3. After last letter from Mr. * ****** re: one payment left, I suffered more seizures which made me very sick mentally and physically.
  
  4. The settlement time was still during COVID times. So the way files were sent, received and were modified.
  
  5. Though I had only one account, three shows up on *******
  
  I want my account to be closed and noted settled. The collection company to be notified remove from *******

  Business Response

  Date: 27/05/2025

  We acknowledge the approved settlement agreement that was sent to you on July 22, 2020. As per the terms of the agreement, the full settlement amount of $2,700.00 was to be paid in full by July 31, 2020.
  
  To date, we received a total payment of $2,373.00. Despite reminders sent on March 29, 2021, and April 23, 2021, the remaining balance of $327.00 was not paid in full.
  
  As the settlement agreement was not honored in full, your account has been referred to a third-party collections agency. The third party that contacted you has a valid claim, and Easy Financial no longer has any claim over your debt.
  Please continue to resolve this matter directly with the collections agency.

  Business Response

  Date: 13/06/2025

  As,  per our last communication I reiterate the following.  
  
  We acknowledge the approved settlement agreement that was sent to you on July 22, 2020. As per the terms of the agreement, the full settlement amount of $2,700.00 was to be paid in full by July 31, 2020.
  
  To date, we received a total payment of $2,373.00. Despite reminders sent on March 29, 2021, and April 23, 2021, the remaining balance of $327.00 was not paid in full.
  
  As the settlement agreement was not honored in full, your account has been referred to a third-party collections agency. The third party that contacted you has a valid claim, and Easy Financial no longer has any claim over your debt.
  Please continue to resolve this matter directly with the collections agency.