Complaints

• Initial Complaint

  26/05/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Just over a year ago I made a complaint (*********) about ***** Mobility persistently contacting me through MetCredit, despite my repetitive attempts to communicate my position. Fortunately this harassment ceased after you communicated with *****. Unfortunately it has begun again. I have received several texts and an email. I will copy the latest email in the supporting documents. I have more from 2021 and 2020 if required.

  

  Business response

  20/06/2022

  ******,
  I have reviewed your complaint; our client had reassigned the file to our office recently for debt collections. I will reach out to them to review your previous concerns and respond back to you.
  Regards,
  *** ********* * *******

  Customer response

  22/06/2022

  
  ****** ******** *******
  
  I have reviewed the response made by the business in reference to ********* ** ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ****** *******

  Customer response

  11/07/2022

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

   

  Thank you for your response *****

   

  As it turns out MetCredit continues to text and phone 3 to 4 times a week. I am not responding for reasons already mentioned, but would like it to stop. If their idea of following through with the complaint is to review and come to the same conclusion, then I must reiterate that I can live with them doing what they continuously threaten to do. Just do it. I have stated my case very clearly. There is no sense in asking me again and again. No means no.

   

  I would like to reopen the complaint.

   

  Thank you for your time on this,

   

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

   

  
  

  

  Business response

  11/07/2022

  ******,
  
  We are a little confused about your complaint:

  
  You originally complained that we had been calling you, and then the calls stopped after a complaint was made and then the calls started again recently. You further claim you disputed the debt and had previously communicated the dispute to our office. Now you claim you don’t have the means to pay. What is the truth behind your complaint, you dispute the debt or you just don’t have the money to pay your debt?

  
  ***** has provided a response to your complaint on 6-23-2022:

  
  The account was assigned to collection correctly as the ****** ******* did not make her final payment for the amount due. ****** ******* ported out on July 26, 2018 and the account was canceled immediately. The account balance was never paid, and ****** ******* was told this back in 2018, 2020 and in 2021. The file was "reassigned" to MetCredit for collection on April 19, 2022.

  
  MetCredit has done nothing wrong, MetCredit is acting as mandated by *****. Our client maintains the debt is due, and you have an obligation to pay the debt under the terms of service that governed your agreement with *****. 

  You can contact ***** **** ** ******************* ** *** ***** ************ to make arrangements to pay your overdue account. 

  Regards,
  

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

  Customer response

  11/07/2022

  
  ********** ********
  
  I am rejecting this response because:
  
  Sincerely,
  
  ****** *******

• Initial Complaint

  22/05/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I settled with Met Credit my n December 21 -2020 on behalf of Koodo mobile. Acc#********. I received a settlement letter on December-22 2020 , confirming I paid in full and my account was now closed. But in my credit report, met credit and Koodo mobile both have me as unpaid. I phoned Koodo and was told they had nothing to do with my file and couldn’t help me. So my credit rating is being badly affected by these two companies, it’s been paid for 2 years now. I tried dealing with it and got nowhere. Can you please help me with this. I have the release letter in front of me.

  

  Business response

  27/05/2022

  ******* 

   

  We are not reporting anything to your credit report. 

   

  Can you send me something showing something reporting tbrowatzke@metcredit.com. 

   

  Thank you, 

   

  *** ********* * ******* 

• Initial Complaint

  04/05/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  MetCredit a.k.a Metropolitan Credit Adjusters has taken on a claim without completing their due diligence in investigating and confirming the case was in fact valid, resulting in a contract breach. Upon getting the first contact from their employee, a “collection consultant”, I had provided all the evidence that my legal contractual agreement had been met. As their employee failed to complete his due diligence by seeking to understand contract law, MetCredit has now placed this on my credit, impacting my credit without due cause. MetCredit and it’s employees have failed to complete their due diligence in applying contract law facts to the noted case. The customer, myself, has provided all the legal backup to show the contractual agreement had been met, including: Facts: * ONE signed contract, ending October 1, 2021, between the two parties involved. * Written notice cancelling the agreement after its expiration had been provided, per agreement terms. * No consent given by me written, by email, or other, to extend the contractual agreement beyond the signed October 1, 2021, end date. Given the scope of work MetCredit completes, the due diligence of upholding Contract Law and understanding when a contract has been met or breached would be believed to be part of its practice and training their staff accordingly, to evaluate their competency - per legislative requirements. MetCredit needs to understand their negligence and correcting the issue, removing the claim from my credit, due to the facts, as per the requirements set forth within Contract Law.

  

  Business response

  18/05/2022

  ********, 

   

  Upon review of your complaint provided to our office on April 2022. We have closed the file as disputed. The credit reporting has been removed. 

   

  Regards, 

   

  *** ********* * Manager 

• Initial Complaint

  02/05/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  They have attached an account to my credit bureau without any documentation/ multiple requests for documentation with none provided.

  

  Business response

  16/05/2022

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

  
  As you are aware MetCredit is the agent for Merchant Treasury – ****** *****. You signed the attached agreement for 24 months with ****** ***** however you canceled the agreement and stopped the Pre-Authoitzation in August 2018.

  
  Below is a summary of the balance claimed by our client. I would note they only charged you to the end of the year and not to March 2020.
  Transaction Description:

  
  Regular Payment - Account Closed 8/1/2018 $83.99
  Returned Payment Fee 8/2/2018 $50.00
  Regular Payment 9/1/2018 $83.99
  Regular Payment 10/1/2018 $83.99
  Regular Payment 11/1/2018 $83.99
  Regular Payment 12/1/2018 $83.99
  Subtotal: $469.95

  
  This was previously communicated and provided to you via email on 2-26-2019 via e-mail at your order and request.

  
  We are amiss as to why you would claim no documentation was provided, you obviously had an agreement, and you stopped the payments under the agreement. The balance remains due and owing.
  

  Regards, *** ******** – Manager

• Initial Complaint

  30/03/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have a complaint against Met Credit. They have a collection account from ***** against me. The original amount is under $1000, and now they are trying to get over $2000. That is not my main complaint. This claim has come off of my credit report 2 times over the past year, and then it comes back on again. Each time with a different date for last activity. I have not had an account with ***** since 2016. I think they are changing the date to keep it on my report so it does not fall off after the 6 years are up this year.

  

  Business response

  12/04/2022

  ********

  
  I have reviewed your complaint to confirm we are the agent for ***** Mobility relating to an unpaid debt assigned to our office for the purpose of debt collections.

  
  There has been 2 assignments of your account from ***** to our office, and the Last Transaction Date did not change.

  
  The balance owing is due, and its is reported in accordance with our mandate from our client.

  
  Should you like to discuss this further please contact ***** **** ** ************** * ****.

  
  Regards,

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

• Initial Complaint

  14/03/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  MetCredit have been trying to collect on a debt that doesn't belong to me. Ive asked multiple times for them to send any supporting info, or verification that the debt is mine, and they are refusing to do so. Ive given them over a month to confirm the debt. They added their file to my credit report under collections. They FALSIFIED a payment date of Feb 1 2022, even though ZERO payment has been made, made ZERO acknowledgment that the debt is mine, and failing to provide supporting information to the legitimacy of the debt. This company is known for creating false debt, and trying to collect on it. Ive asked them for immediate removal from my credit report, or provide legitimacy to their claim, and they've done neither.

  

  Business response

  25/03/2022

  ****,

  
  We have attached a copy of the invoices relating to the account in question. As you can see we don’t just make up debt. Our client did assign the account to our office for collections and we engaged in collection activity accordingly and as mandated by our client.

  
  You can contact ***** **** * ******** ** ****************** ** ************** **** **** to discuss any further concerns or questions relating to this matter.  

  
  Regards,

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

• Initial Complaint

  22/02/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This company has been emailing me trying to get me to pay " $1,998.66 plus accumulating interest"(***** ** *** ***** ********* ** *** ********** ** ****** *******). They keep threatening with "formal action from our client". My initial debt is 742$ and ***** says it has not gone up and this is the amount confirmed by their recovery unit. I am beyond frustrated with Metcredit pulling reasons for charging almost 3 times the amount that ***** says I owe. **** *** ****** ********* *** ******** *** *** ***** ******* ******* *** ***** ******** ** *** **** *** ** *** **** ***** ****** **** ************* *** *** ********* * ** *********** *** ****** ** *** *** * **** *** **** *** ****** ** **** ********* ** **** ** **** ***** ********

  

  Business response

  08/03/2022

  ****** ***,

  
  MetCredit is the authorized agent for ***** Mobile. Your account ******** was assigned to our office for the purpose of collections.

  
  I have ******** the outstanding invoices, and please note the interest rate on outstanding balances which I have highlighted on the file invoice.

  
  I would point out if you review your terms with ***** it clearly outlined the interest owing on late payments.

  
  As MetCredit is the agent we are only acting in accordance with our client’s direction and mandate.

  
  Please contact Shawn V*** Director of Operations at ************** * **** to discuss resolution of this matter.

  
  Regards,

  
  MetCredit

  
  Tim B******** – Manager  

  Customer response

  09/03/2022

  
  Complaint: ********
  
  I am rejecting this response because:
  
  I have asked multiple times for a document(proof of debt with amount)that MetCredit has been sent from ***** with actual amount ***** is requesting. They have not provided this document. All they give is invoices with a interest rate from a contract. They have no proof that the amount they are requesting is the one asked from *****. **** ***** **** **** *** **** ****** *** ****** ****** ** ****** * ******* I contacted a credit protection agency and they have told me that the credit collector needs to provide the document with an actual amount requested by ***** and not old invoices and contract information. MetCredit isnplaying around with amounts. I have even called *****'s payment department and they confirmed that I only owe the 743$ and not 2000$ something that Metcredit is asking for. **** *** ****** ********* ** **** ********* *** ********** **************. Sincerely,
  
  ****** ***

  

  Business response

  15/03/2022

  ******,

  
  As we provided you already, the final invoice from ***** on your account was $742.96.

  
  Attached is the ***** Terms and Conditions:

  
  “What if I don’t pay my bill in time?
  If your payment is not received by the date indicated on your bill, a late payment charge will apply.
  Late payment charges are two percent per month (26.82% per year) on your total unpaid amount.”

  
  This is also outlined in the statements sent to you.

  
  From 2018 to today there has been interest accumulating on your outstanding balance of $742.96 at 26.82%.

  
  I am confused what about this you don’t understand.

  
  We dispute your claim you contacted ***** and they said you don’t owe interest.

  
  As I have already indicated you can contact Shawn V*** at ************** * ****, he can work with you to resolve this issue.

  
  Regards,

  
  Tim B******** – Manager

  Customer response

  15/03/2022

  
  Complaint: ********
  
  I am rejecting this response because: The business is not providing the documents I am requesting. Again they are saying they gave me my last invoice and my terms and condition but this is not proof of the amount that ***** is asking Metcredit to get paid back. This is complete ly ridiculous. * **** **** **** **** ** *** ***** **** **** *** ****** ** **** ** *** ** ****** **** * **** **** **** ******** *** **** ****** ******* **** *** **** ***** ** *** ** * ********* And you send me an invoice but ask me to pay morebthan double the amount with absolutely NO PROOF. **** ******** ****** *** *** *************** I have mentionned many times I would pay the original debt from ***** and not whatever fees you make up because you cannot charge fees other than the debt from the company..** ** ******* ******** *****
  
  Sincerely,
  
  ****** ***

• Initial Complaint

  14/02/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have contacted ******* ********** whom state I have no credit card account with them and yet I keep getting mail from people saying that I do. THIS WILL STOP IMMEDIATELY! I request my name and all other information be deleted from any of their databases. I will not accept any phone calls from these companies and any mail from them will be shredded.

  

  Business response

  14/02/2022

  ****** ***********,

  MetCredit is the authorized agent for ******* Rewards ********** (*** BANK), as such we have been engaged in the collection of out outstanding balance owed to them.
  

  In this case the information you provided in the BBB Complaint suggests that there is an outstanding balance owing to them.

  
  If for whatever reason you never had a ******* Rewards **********, you will need to file a police report and send it to ******************. You may reference file number *********. I would also note this item is reflecting as R9 on your credit report, so you should or ought to have know this was outstanding.

  
  The information acquired for the purpose of debt collection belongs to *** Bank in relation to the unpaid ********** and as agents we maintain records in accordance with our mandate from the Bank.

  
  I trust this answers your concerns and should you have additional question and or concerns please direct them to ******************.
  

  Regards,

  
  Tim B******** – Manager

  Customer response

  23/02/2022

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

  I DO NOT HAVE A CREDIT CARD WITH *******! I am sick and tired of being contacted for something I don’t have and don’t wish to have.

  Desired Outcome:           Correction to a credit report; No further contact by the business

   
  ****** **********

  Customer response

  23/02/2022

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

  I DO NOT HAVE A CREDIT CARD WITH *******! I am sick and tired of being contacted for something I don’t have and don’t wish to have.

  Desired Outcome:           Correction to a credit report; No further contact by the business

   
  ****** **********

  

  Business response

  23/02/2022

  ******, 

  I have already explained to you how to respond to this matter if you never had a card. 

  I have already explained to you we are an Agent for *** Bank respecting a ******* Reward **********, and we do not deal with credit reporting. 

  You now need to take this situation into your own hands and file a police report so proper steps can be taken to address any concerns you have. 

  By complaining to the BBB is not going to change the situation, a ******* Rewards ********** with a balance owing in your name with your address has been assigned to collections.  If this is not yours or you were a victim of fraud you need to contact the authorities. We can no do this for you. 

  Please refer to my original message advising the steps to be taken.

  Regards, 

  Tim B******** - Manager 

*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. ↩