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:23/04/2025

  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.

  My name is ***** *******, and I am filing a formal complaint against LendCare, a division of ****** ***., located at **** ********* ******** *** ****** ********** ******** *** ***.
  
  On April 23, 2025, I was approached by a bailiff regarding repossession of my quad, despite having made payments on my loan for almost three years. I currently owe approximately $4,000 on the original loan of $19,341.16. LendCare has persistently contacted me via email and encouraged me to sign what appears to be a new loan agreement, with no written breakdown of:
  
  What I’ve paid to date
  
  Current balance
  
  Arrears or late fees
  
  Interest or penalty charges
  
  The reason for refinancing under a new agreement
  
  Despite multiple written requests for transparency and a detailed account summary, I have been pressured to accept a refinance agreement by simply replying “YES” over email, without any documentation or clear explanation of the new terms. This raises serious concerns regarding:
  
  Lack of informed consent
  
  Unfair and aggressive debt collection practices
  
  Attempts to obscure loan history or misrepresent arrears
  
  Threats of repossession without due process
  
  I have also been redirected between different departments, such as collections and sales, without a clear resolution. This is causing extreme distress and confusion.
  
  I am seeking Alberta Consumer Protection’s assistance in:
  
  Investigating the conduct of LendCare and their representatives, including ******* **** and ******* *********.
  
  Stopping any further attempts to pressure me into signing a new agreement without full, written documentation.
  
  Ensuring that all communication remains in writing, and I receive a complete breakdown of my loan before proceeding.
  
  Clarifying whether the company is complying with Alberta’s fair lending and debt collection laws.
  
  I would be happy to provide further documentation or correspondence if needed.
  
  Thank you for your attention and support in this matter.

  Business Response

  Date: 02/05/2025

  The customer has been in contact with a representative from our team regarding the possibility of restructuring their loan, as their combined balance across both loans is currently over $7,600 past due. Our records show that the representative last spoke with the customer on April 27th.
  

  We encourage the customer to continue cooperating with our team to determine whether they intend to make payments on the vehicle. If not, repossession will proceed in accordance with the contract terms.
  

  We also strongly recommend that the customer review the terms and conditions of their agreement to better understand their financial obligations.
  Sincerely,
  LendCare Customer Support Team

  Customer Answer

  Date: 09/05/2025

   Dear LendCare Customer Support,

  I am writing to formally respond to recent communications regarding the restructuring of my
  loans. I want to make it very clear that I am willing to accept a new loan agreement — but
  only on fair, fully disclosed terms.

  I have made multiple reasonable requests for a written breakdown of my loan history and
  current obligations. Unfortunately, I have received no meaningful response, only repeated
  refinance promotions without the transparency I need to make an informed decision.

  The lack of clarity and communication has left me no choice but to proceed in writing and
  request the following before I can agree to any new terms:

  I amrequesting a complete written account summary for:

  Loan ****** and Loan 647614, including:

  • Original amounts financed
  • Total paid to date (principal and interest)
  • Current balances
  • Amounts in arrears and all late fees
  • A breakdown of how late fees have been calculated
  • Any other charges or interest applied
  • The reason I’m being asked to sign a new 4-year loan after already paying for 3 years

  I respectfully ask that all communication regarding this matter be handled via email only. I am
  not comfortable discussing important financial decisions over the phone, and I require written
  documentation for transparency, accountability, and peace of mind.

  Please understand, I am not refusing to resolve this matter — in fact, I am grateful for the
  opportunity to potentially restructure the loan and keep my quad. However, I cannot and will
  not sign a new agreement blindly. I am committed to making this work, but I need clear answers
  and fair treatment first.

  Thank you for your time and attention to this request. I look forward to your written response.
  
  
  Sincerely,
  
  
  
  ***** *******

  Business Response

  Date: 22/05/2025

  A representative will provide the requested documentation. If the customer wishes to proceed with restructuring the loan and avoid repossession, we strongly encourage them to act promptly and cooperate with our agent.

  Sincerely,
  LendCare Customer Support Team

  Customer Answer

  Date: 28/05/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because I ma so confused.

  I responded to the below message - 

  If the banking on your loan is INVALID , we will require current and valid banking to proceed.
  If you can not provide VALID BANKING immediately, we can not proceed with your refinance offer !
   A Good Faith Payment of $50 to $100.00 will be required to proceed with your rewrite.
  If you are unable to make this payment now, we can not proceed with your refinance offer ! Please provide a reason! 
   Lendcare Capital would like to offer you an opportunity to rebuild your credit and avoid escalation (and in some cases repossession!).
  We’ll give you 90 days with NO PAYMENT & NO INTEREST !
  Your new payments will begin in 90 days at the ORIGINAL INTEREST RATE ! No need to maintain 6 months of perfect payment history to get back your original rate !
  This fresh start gives you 90 days of payment relief, a discount interest rate & a chance to repair and rebuild your credit !
  If you would like to take this opportunity before it expires simply reply “YES” & one of our agents will be able to provide you with your offer !  
  Upon acceptance of the terms, we will freeze your loan and stop your payments today!

   I then agreed with - Hi ****, 
  
  Can we go forward with the refinance offer.
  
  Please confirm you need an email transfer and a direct deposit form? 
  
  Was there anything else? I can sne both today. 

   

  Then I received this message with two dollar amounts

  Gap, warranty, theft
  Unfortunately, if the loan is re-written you will not be able to do claims under this loan NULL AND VOID POLICY
  Best Option is to pay the past due $1371.44 on or before May 30/2025 and we will drop interest rate 19.90%
  Please provide a date to debit the payment from your bank account and new banking 
  Let me know your intentions.  Valid phone is needed Thanks
  Here is the information to do an e-transfer.
  
  E-TRANSFER AMOUNT $922.44

  *************@********.ca
  
  MESSAGE FIELD: FULL NAME OR LOAN NUMBER: ******
  Please send a picture or screen shot of the completed E-Transfer transaction with the confirmation/reference # to me 
  ******* **** 

  Im so confused and unsure how to proceed. 
  
  
  
  Sincerely,
  
  
  
  ***** *******

  Business Response

  Date: 03/06/2025

  We apologize for the confusion regarding this matter. The customer was presented with two options:
  1. Accept the restructured loan for their GAP warranty (in addition to the restructuring of their unit loan), which would restore the original interest rate and provide a three-month grace period. However, as this would be a new loan agreement, the customer’s existing GAP, warranty, and theft protection coverages would no longer apply to the unit, and no claims could be submitted under those contracts.

  2. Pay the past due balance of $1,371.44, which would have allowed the original interest rate to be reinstated without affecting the current coverage.
  This option was recommended by our agents but has since expired.
  
  A representative from our team will reach out to the customer to help clarify these details and address any remaining concerns.
  
  Sincerely,
  LendCare Customer Support Team

• Initial Complaint

  Date:23/04/2025

  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.

  The details of the complaint are as follows:
  • Vehicle Information: 2023 Nissan Qashqai
  • Service Contract Provider: *********** ******* ****
  • Loan Provider: Lendcare
  • Contract Number: *************
  
  Complaint Details:
  1. Service Contract Cancellation:
  I contracted a vehicle service contract for my vehicle on December 24, 2024, without knowing is taken as a loan in first place. However, I have fully paid off my car loan as of March 2025, and I no longer own the vehicle. Despite this, I am being forced to continue payments on a service contract that no longer applies, as I no longer use or own the vehicle.
  2. Conflicting Refund Information:
  I have received two conflicting refund amounts in emails from the service contract provider. One email mentions an outstanding balance of $4,438.55, while the other refers to $5,083.24. I am seeking clarification on these discrepancies and a clear explanation of how the refund is calculated.
  3. Failure to Cancel Service Contract:
  I have requested that the service contract be canceled, but Lendcare has refused to address this properly, and I continue to receive demands for payment for a service I cannot use.
  4. Unfair Practices:
  The sales agent did not adequately explain the terms of the contract, nor did they make clear that I would be obligated to continue payments after paying off the loan. This is a case of misrepresentation and unfair practices, which I believe violate my consumer rights under the Ontario Consumer Protection Act.
  Request for Resolution:
  • I request the immediate cancellation of the service contract.
  • I request a full refund based on the fact that the service is no longer required, and clarification on the conflicting refund amounts.
  • I expect to be relieved of any further payment obligations associated with the service contract.

  Business Response

  Date: 02/05/2025

  The customer will be receiving a prorated refund of $2,628. However, the remaining balance of $5,081.27 is still owed and must be paid.
  A member of our team has also provided the customer with information regarding the option of a consumer proposal and encouraged them to speak with our Collections Team. We strongly recommend that the customer continue working with the representatives they have already been in contact with to find a resolution.
  Sincerely,
  LendCare Customer Support Team

• Initial Complaint

  Date:22/04/2025

  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.

  Lend care took a double payment from my account on march 31 2025 and then another payment april 1 2025.
  i’ve tried contacting them over the span of three weeks i was told at first 5 business days then 10 then 15 days then 20/25 days and over the span of three weeks keep being told its a problem im the system and it going ti take another 5-10 days on top of the 20 days i’ve waited already
  
  they also kept raising my payment amount which i haven’t agreed too which they aren’t willing to work with me on
  
  i’ve tried calling being polite and nice and more then half the people on the phone are rude and not helpful and hang up the phone on me just because i’ve been trying to get my money back

  Business Response

  Date: 02/05/2025

  We understand the customer's frustration and will have a representative from our team reach out to discuss their concerns.
  Sincerely,
  LendCare Customer Support Team

• Initial Complaint

  Date:17/04/2025

  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.

  I paid out my loan March 28, 2025 with an insurance cheque as my car was a write off….lendcare owes me $5500 refund….its now April 17, 2025 and I’ve yet to receive my refund.

  Business Response

  Date: 02/05/2025

  We understand the customer's complaint and apologize for any inconvenience. As of April 28th, we have been in contact with the customer, and their request is currently being fulfilled, pending final approval from our senior leadership team.
  

  Sincerely,
  LendCare Customer Support Team

  Customer Answer

  Date: 08/05/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  This has been the same answer I’ve been given for over a month now…..I paid them March 28. It is now May 6….if rolls were reversed they would’ve sent me to collections while charging me interest. 
  
  Sincerely,
  
  
  
  ***** ******

  Business Response

  Date: 15/05/2025

  We appreciate the customer's patience. As of today, the refund has been approved and is currently being processed. The customer can expect to receive the refund within 5 business days.

  Sincerely,
  LendCare Customer Support Team

• Initial Complaint

  Date:17/04/2025

  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 was behind my payments with lendcare when they sent me this offer that I accepted but they have not honored this offer and after many phone calls and emails, the problem is still not resolved.

  Business Response

  Date: 02/05/2025

  It appears that the customer has received their cash loan and that all terms of the agreement have been fulfilled. If the customer has any specific concerns, we kindly ask them to clarify the issue. For a faster response, we recommend contacting our Customer Support Team at 1-************ or by email at ***************@********.ca.

  Sincerely,
  LendCare Customer Support Team

• Initial Complaint

  Date:03/04/2025

  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 bi weekly contract with them for an auto loan, they keep taking money out of my debit account on days that are not the payment dates. And costing me NSF fees that I should not be having as I have bank proof of payment. As well when I call to discuss the problem and to get my money back from all the NSF fees almost 200$ for a 175$ bi weekly payment. And when you call they just keep transferring you to other representatives as well when you ask for a manager they hang up the phone. Even my bank teller says it’s wrong they are taking a payment almost every week and costing me lots in fees that I don’t deserve. And making my credit worse even though I’m up to date on my payments

  Business Response

  Date: 04/04/2025

  We have reviewed the customer's account and confirmed that the customer is not up to date with their payments, including a missed initial payment. As per the terms of the customer’s contract, if a payment is missed or returned, our system will automatically reattempt to process the payment. This is a standard procedure designed to ensure that payments are made on time and the account remains in good standing.
  

  We advise that the customer ensure sufficient funds are available on their scheduled payment dates to avoid NSF fees and potential interest rate increases.
  

  If the customer would like to speak with someone directly, they may contact our Customer Support Team at 1-************ or by email at ***************@********.ca.
  Sincerely,
  LendCare Customer Support Team

  Customer Answer

  Date: 07/04/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  I have no missed payments with the company, I have proof through my bank statements as well as my bank telling me more money has come out from account, I have proof of all my payments as well as proof of myself asking them to take one of my accounts off of the file due to it being the wrong account. I would really appreciate a conversation with someone so I can explain in full. 
  
  Sincerely,
  
  
  
  ***** ****

  Business Response

  Date: 11/04/2025

  A member of our team will be reaching out to the customer by end of day.

  Customer Answer

  Date: 11/04/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  There is nothing to respond to regarding the matter at hand. If I do not get my money back with all of the proof and all of the phone records I will be forced to get a lawyer or legal assistance regarding the claim. Thank you I hope to hear from you or a representative shortly.
  
  Sincerely,
  
  
  
  ***** ****

  Business Response

  Date: 17/04/2025

  We understand the customer's frustration and would like to assist in resolving this issue. We kindly ask that the customer provide a bank statement to our Billings and Collections Team so we can review the matter and determine if there was any error on our end.
  

  Sincerely,
  LendCare Customer Support Team

  Customer Answer

  Date: 24/04/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  I have already sent in the bank statement showing that the company has tried multiple times to try to take the money that I never owed them causing my bank to charge me nsf fees as shown in the statement I have already sent the company. They have also stopped answering my emails as well as my phone calls I am put on hold and then the line disconnects I am unsure if that is at there fault but it is also frustrating. Thank you for your co-operation I look forward to hearing from you shortly. 
  
  Sincerely,
  
  
  
  ***** ****

  Business Response

  Date: 02/05/2025

  A dedicated member of our team will be reaching out to the customer to provide further assistance and help address their concerns.
  Sincerely,
  LendCare Customer Support Team

  Customer Answer

  Date: 03/05/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  I have not heard back at all from anyone at lendcare in regards to my file. 
  
  Sincerely,
  
  
  
  ***** ****

  Business Response

  Date: 15/05/2025

  Our representatives were in contact with the customer on May 9 to discuss options for rectifying the situation.
  For further assistance, we require a letter from the customer's bank outlining the error or an email from the bank manager confirming that the NSF fees will not be waived.

  
  Sincerely,
  LendCare Customer Support Team

• Initial Complaint

  Date:28/03/2025

  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.

  The dispute I am having with Lendcare, is I had ******** **** ***** pay $4000 to lendcare in October 2024 as part of a car purchase. After ***** paid that amount, I paid the remainder owing to close the account. For a month and a half lendcare kept taking $220 every 2 weeks from my account after the account was paid. I had to put a stop payment on my account to stop them from ******** money from my account. I have had many emails back and forth with lendcare over this issue. A month ago was able to contact someone at lendcare to apparently resolve this issue. I had to have a finance person from ***** contact lendcare as lendcare refused to contact *****. I was told the issue would be resolved soon. Today lendcare ***** an additional $1300 from my account. I will have to contact my bank to see if they can do anything for this fraud transaction. I am hoping the BBB can help in having Lendcare find out what they did with the $4000 they were sent by ***** on my behalf and return the $2000 they have ****** from me.

  Business Response

  Date: 28/03/2025

  A dedicated member of our team will be reaching out to the customer to provide further assistance and help address their concerns.

  Sincerely,
  LendCare Customer Support Team

• Initial Complaint

  Date:21/03/2025

  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.

  Accused me of missing a payment when there was no record of a missed or late payment. One payment was 24 hours late. Then they proceeded to take a payment, send it back and up my interest rate on the loan to 31.99%.

  Business Response

  Date: 28/03/2025

  A dedicated member of our team will be reaching out to the customer to provide further assistance and help address their concerns.
  

  Sincerely,
  LendCare Customer Support Team

  Customer Answer

  Date: 28/03/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: I fully believe I was taken advantage of because of my age and tricked into paying an absurd price for a product that will not even last as long as I’m paying for it. They have told me after two late payments that the result of my missed payments they have added a balloon payment of $37,000 on to the end of my term. I am expected to pay $110,000 on a contract that has a total payable amount of $68,000. Added to they accused me of missing a payment before and I responded with my record of payment amounts and dates. They increased my interest to 31.99% because of two late (by less than 24 hours) payments. I am not interested in continuing with this company because they are trying to get more money out of me in ways they can’t do without voiding my contract. In the attached email photo you can see how they tried to correct their mistake by lowering my interest but raising my payments instead. Finding a way to still get more money from me than the total payable amount on the contract.
  
  
  
  Sincerely,
  
  
  
  ******* ******

  Business Response

  Date: 04/04/2025

  We apologize for any confusion. A dedicated member of our team will be reaching out to help clarify the matter.
  

  Sincerely,
  LendCare Customer Support Team

  Customer Answer

  Date: 07/04/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  This is the same response as last time and I still haven’t been reached out to.
  
  Sincerely,
  
  
  
  ******* ******

  Business Response

  Date: 11/04/2025

  The customer has been in communication with our Collections Department, and it appears they are in the process of surrendering their unit. As the matter is being actively addressed through ongoing discussions with our team, we respectfully request that the BBB close this complaint.
  

  Sincerely,
  LendCare Customer Support Team

  Customer Answer

  Date: 13/04/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: They are still going to try and sue me for the difference on the car for what it doesn’t sell in auction. They sold this vehicle to me knowing I was unemployed making $600 in child tax a month and they charged me 751 a month for a car. That is more than my income. How do they expect me to be able to keep up. I can’t afford to pay the difference. 
  
  
  
  Sincerely,
  
  
  
  ******* ******

  Business Response

  Date: 02/05/2025

  According to the initial application completed and signed by the customer, their employment status was listed as full-time and employed. The claim that the vehicle was financed with the knowledge that the customer was unemployed is not accurate.
  

  The customer was provided with a contract outlining all terms and conditions of the agreement. It is the customer's responsibility to review and understand these terms prior to signing.
  

  As per the signed agreement, the customer is still required to meet their financial obligations. The current outstanding balance is $34,626.82, which includes $1,500 in missed payments.
  

  Sincerely,
  LendCare Customer Support Team

  Customer Answer

  Date: 06/05/2025

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

  I told house of cars worker ****** ****** that I was only paying for the car out of my 648 a month child tax. He then referred to it as I was a “full time stay at home mom” not full time employment. I was fine paying the 34,000 that was owed for the car until the balloon payment came up, then they raised interest without notifying me about any change. I will not be paying any more on this car. I have no job and I have not been employed since August 2022. The statement that I was full time employed is false. I was ******* by this company and house of cars. I have contacted them about repossession and once they come to collect the car which is collateral for the loan I will not be contacting them anymore or paying any more on a vehicle they have tried to charge me more than stated on the contract. Total payable amount came out to 64,000 and then I was told over the phone (I contacted them, they didn’t contact me) that due to a 24 hour late payment I owed at the end a 34,000 balloon payment. They are going to try and charge an unemployment single mother a ONE TIME PAYMENT OF $34,000!!! AFTER paying 751 a month for 6 years and interest on top they want me to pay $34,000.
  
  
  
  Sincerely,
  
  
  
  ******* ******

  Business Response

  Date: 15/05/2025

  We take the customer's claim regarding misrepresented income very seriously and are actively investigating the matter further. A member of our team will be reaching out to the customer to discuss the situation.

  Additionally, at the customer's request, a VSA has been sent, and we are currently awaiting its return.

  
  Sincerely,
  LendCare Customer Support Team

• Initial Complaint

  Date:19/03/2025

  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 am financing a snowmobile and lend care keeps trying to take the payment out of my account multiple times so far in March I think they’ve done it four times leaving me with NSF charges. I’ve read online that if they try to take more payments than their agreed upon that borrower does not have to repay the cost of borrowing my account right now is -$400 because of all the NSF charges…

  Business Response

  Date: 21/03/2025

  Upon reviewing the account, it appears that the NSF fees are a result of missed payments. The customer has not made any successful payments on the account and currently has an outstanding balance of $411.
  Our Collections Team has offered the customer a loan rewrite on two separate occasions; however, no payments have been made to initiate the process. These NSF fees are not the result of a system error but rather due to returned or missed payments.
  Additionally, the customer informed a collections agent that the vehicle was involved in an accident, but no insurance information has been provided to date.
  If the customer would like to resolve their account or work toward a solution, we encourage them to communicate directly with our Collections Team by phone or email. For further assistance, the customer may also contact our Customer Support Team at 1-************ or via email at ***************@********.ca.
  

  Sincerely,
  LendCare Customer Support Team

• Initial Complaint

  Date:07/03/2025

  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 had the company withdraw the total payoff amount on Jan 17 2025. I have been asking for my payout closing letter for the insurance company since then. I have been calling every week for the past 7 weeks and just am just constantly being lied to. They just say the letter will be in my email within 3 hrs and nothing every time. I called back again on Feb 26 and found out now the company has not closed my account and been charging me monthly so I have a balance and they can not issue me a letter. After 7 weeks of calling they tell me this now? They said the charges would be reversed and a letter would be issued. Every time I call they do not have a manager that is working to speak to. This is getting out of hand. I would like a resolution asap. Thank you

  Business Response

  Date: 21/03/2025

  We have investigated the account and confirm that the customer’s loan has been closed and the release letter has been sent. If the customer has any further inquiries, we encourage them to contact our Customer Support Team at 1-************ or by email at ***************@********.ca.
  

  Sincerely,
  LendCare Customer Support Team