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:08/02/2023

  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 claimed bankruptcy in 2019 and, as such, all creditors at the time were notified, including **** ****** Alberta. For the past couple weeks (2022-2023), I have been receiving calls to my new NB phone from DCA for collection of this debt. I spoke with a representative this morning and refused to give my private information. I professionally told him that I did not have an obligation to his company, but I was calling to inform him I am protected under the Bankruptcy Act from further actions by **** ****** Alberta, and they will want to stop contacting me. He told me without verification of private information that is over four years old he would not be able to do anything. To this point, he had asked me only one piece of information for verification. When I told him this was the last time I would be calling their office, he hung up on me. Now I am left to wonder if this is legitimate or whether an elaborate phishing scheme. Phone number was local to Moncton where there are many centralized call centres.

  Business Response

  Date: 13/02/2023

  Thank you for bringing Mr/Ms. *****’s concern to our
  attention.
  The consumer
  called into our office advising they filed bankruptcy. For us to forward a
  request for review and closure to our client we require bankruptcy details such
  as estate #, trustee name and number or a creditors package. 
  The consumer only
  provided a general idea of her bankruptcy, and no creditor package or estate
  details were provided. Account details of the consumer’s file cannot be
  discussed without full verification which the consumer refused. Please have
  them email their creditor’s package to customer care team at [email protected] for us to update their file and forward to our client for review and closure.

  Customer Answer

  Date: 13/02/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:

  This matter was dealth with by *** in Saint John, NB, in April 2020 (** ****** ******* ** **** ***** ***** ** *** **1). 

  At such time, all information was sent to **** ****** as per the Bankruptcy Act by ***.  I will not be sharing confidential information at this time with the debt collection agency, and all communication regarding this matter is a direct infringement on my rights and the Bankruptcy Act legislation.  **** ****** is not lawful in their hiring of the debt collection agency, and the debt collection agency is not lawful in their communication with me. 

  All further communication on this matter can proceed through ***'s office.  I would advise the debt collection agency to communicate with THEIR clients, **** ******, so that they can close the matter.  

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

• Initial Complaint

  Date:25/01/2023

  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.

  I got a call from a DCA collection with respect to an unknown debt that I am not aware of. This call was seeking to get personal information from me that I am sure they do not have, can you look into this matter, I have requested information and so far nothing from this collection agency.

  Business Response

  Date: 30/01/2023

  Thank you for
  bringing Mr/Ms. ******’s concern to our attention.

  Request for supporting
  documents has been forwarded to our client, once received they will be
  forwarded to the consumer’s address noted on their file.

  Customer Answer

  Date: 30/01/2023

  
  
  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.
  
  
  
  
  Sincerely,
  
  
  
  ******* ******

• Initial Complaint

  Date:23/01/2023

  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.

  account # DE643758
  
  This collection agency has been refusing to provide me with a proper debt validation letter with my signature. I have written to them on a few number of ocassion, and they are not willing to validate a debt they claim i owe them. either you provide me with the orignal contract with my signature, otherwise I will be reporting you to consumer protection Ontario.

  Business Response

  Date: 30/01/2023

  Thank you for
  bringing Mr/Ms. ****’s concern to our attention. As per the consumer’s request
  a copy of the online payday loan agreement was forwarded to him on January 16th 2023 via email after name, address and date of birth verification received. Please
  have the consumer reach out to our office to discuss a resolution on his file.

• Initial Complaint

  Date:12/01/2023

  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.

  I keep getting emails from DCA for ******* ****** INC. stating that I owe $98.51. I have never had anything other that pay as you go with ******* ****** and have called the company multiple times to be told I do not have an outstanding bill. I would like this resolved so it does not go on my credit report as i am working on rebuilding it.

  Business Response

  Date: 17/01/2023

  Thank
  you for bringing Mr/Ms. *******’s concern to our attention. We have requested
  proof of debt from our client to be forwarded to them once available. To expediate
  forwarding the documents to Mr/MS. ******* please have them reach out to our
  customer care team to provide authorization for email. If no email
  communication received those documents will be sent to the mailing address on
  file.
  Thank you, 
  

  Customer Answer

  Date: 17/01/2023

  
  
  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.
  
  
  
  
  Sincerely,
  
  
  
  ******** *******

• Initial Complaint

  Date:03/01/2023

  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 paid this company over 3 years ago they won't take my calls and they refuse remove my paid accounts from my report.

  Business Response

  Date: 12/01/2023

  Thank you for bringing Mr/Ms. ******’s concern to our attention. Mr. ******’s
  account was closed as Settled in Full on for ******** on December 31st 2020
  and Paid in Full for ******** on December 18th 2018 and coded to reflect
  as such for both. We have sent another request to have both items updated on
  January 4th 2023.
  Please note it can take up to 10 business days for
  changes to take effect. If update has not been completed, please reach out to
  our customer care team to investigate further.
  Thank you,

  Customer Answer

  Date: 12/01/2023

  Complaint: ********

  
  

  I am rejecting this response because: its been two year since they were paid off in full. 

  
  

  Sincerely,

  
  

  ******* ******

  Business Response

  Date: 17/01/2023

  As previously stated, a request has been forwarded to the
  credit reporting agencies to update their records. Any further questions/concerns
  can be forwarded to the them as we have ensured the files were identified based
  on status of the file upon resolution of the file. No further action is
  required by DCA
  Thank you,

• Initial Complaint

  Date:28/11/2022

  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.

  My wallet was stolen, they did a credit check on multiple things and all the got was a payday advance, which went to collections…
  DCA has been given the police file number and I get the strong feeling that they are her king my chain and I’d greatly appreciate it if you could look into it…
  
  File- ** ******
  
  Thank you
  **** *****

  Business Response

  Date: 01/12/2022

  Thank you for bringing Mr/Ms. *****’s concern to our attention. Our client has requested the account to be closed as Fraud on November 11th which was completed. Please note the file has been coded to be removed from the credit reporting agencies. 
  Thank you, 
  
  

• Initial Complaint

  Date:02/11/2022

  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.

  On Sept 13 2022 i called dca and made a full payment in regards to ******* ******, I just checked my credit report and it's still on there it is now Oct 30 2022 they need to pls have it marked as paid ,I do have proof it was paid by my bank thanks

  Business Response

  Date: 16/11/2022

  Thank you for bringing Ms. ****** to our attention. Please note a
  request has been submitted on November 3, 2022, to the credit  reporting agencies
  to have the paid item removed as a gesture of good will.
  Please feel free to reach out to our office if the matter is not cleared after
  14 days to investigate further

  Customer Answer

  Date: 16/11/2022

  
  
  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:18/10/2022

  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.

  DCA phoned me to collect money on an account on behalf of **** ****** for an account back in 2020. They could not provide details only had my name. It was also too long ago to remember what the address would have been. With it being attached to my credit score. I paid off the amount which reflects my credit score with the balance being 0 . I also have proof from my bank statement that it was also paid. But they haven’t reported it to **** ******. I just recently went back to **** ****** and when paying my bill. Through a link by email. I actually paid the account I paid through the creditors. Now which causes my current account to be behind. When I called DCA today. October 13th 2022. They want me to provide details of the account that I don’t have and said they won’t help me. And hung up on me. All I need them to do is report the payment for the account. I don’t need details, and they would have enough details that the account is paid.

  Business Response

  Date: 19/10/2022

  Response to BBB forwarded.
  Thank you for bringing Mr/Ms. ******’s to our attention. Please
  note the account has been closed as Paid on March 5th, 2021, and the
  account was updated to reflect as such. No further action is required by our office.
  Thank you

  Customer Answer

  Date: 20/10/2022

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: I know that it has been paid. But **** ****** doesn’t know that’s it’s paid. Are they not required to report the account is paid. Because they are calling me about it and I recently paid the same amount again on this account. I had attached a recent bank statement showing that the funds were paid again. When I talked to **** ******. They told me to call the creditors to get them to report that the account was paid. Can they confirm that this was done?
  
  
  
  Sincerely,

  
  
  
  
  ********* ******s

  Business Response

  Date: 09/12/2022

  As per our previous response the account has been closed as Paid on March 5th, 2021, and the account was updated to reflect as such which has been done. No further action is required by our office. We suggest the consumer bring their inquiry to the credit reporting agencies to investigate further
  Thank you,

• Initial Complaint

  Date:14/09/2022

  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.

  Several times DCA has been informed that they are filing incorrect and negative information about me with both ********** and *******
  Their file ******** * ******** are identical with only the dates differing. They have been told they are reporting the same claim twice and incorrect dates. I have disputed the alleged claims as the landlord made an agreement at the Landlord and Tenant Tribunal settlement we had, and was to pay this. This debt is not mine, is being reported twice and they are changing the dates to extend the reporting period. The attached documentation from ******** Hydro shows the last payment date of Sept 2017

  Business Response

  Date: 19/10/2022

  Thank you for bringing Mr/Ms. *****’s to our attention. Request
  for supporting documents has been forwarded to our client, once received they
  will be forwarded to the consumer’s address noted on their file.

  Customer Answer

  Date: 20/10/2022

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:

  They are still reporting incorrect date of last payment.  I sent copy of payment record from ******** hydro directly.

  Additionally the owner/landlord was responsible for paying the outstanding balance from landlord tribunal agreement. Money was deducted from settlement paid out to me to cover this.
  
  
  
  Sincerely,
  
  
  
  **** *****

  Business Response

  Date: 09/12/2022

  We
  have forwarded the consumer’s proof of payment to our client who is
  investigating the matter internally. We have put the file and credit reporting
  on hold until we receive a response from our client. We will provide an update
  once received
  Thank you,