Complaints

• Initial Complaint

  21/01/2025

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  This Company has called me none stop. I called and talked to a rep to settle it and she laughed at me and told me to go to a trustee. I want to pay half of what I originally owe. They have put over $6,000 dollars in some sort of interest or fees on it. These reps are very nasty and unprofessional. A manger Paul contacted me and I sent in my financial info last year and he never got back to me. I want to get this settled. If they don't want to settle they should be deleted this account as goodwill due to poverty.

  Business response

  29/01/2025

  Hello ****** *****,
  
  We appreciate your communication and welcome the opportunity to respond.  We have investigated this matter in its entirety, and offer the following response to your concerns.
  
  MJR contacts individuals when a credit grantor assigns us an outstanding account associated with their information, including the principal balance and any applicable interest. We do not add additional fees to accounts.
  
  When you spoke with our agent in May 2024, you were advised that MJR was preparing a claim in Small Claims Court. At that time, you offered to pay $10 per month, which would not have prevented the legal action. Our agent did not laugh at your offer but suggested that you consider credit counseling, which you refused.  You also contacted our legal representative, requesting a hold on the court action due to your ODSP status. In good faith, he placed the action on hold while awaiting proof of ODSP, which was received in July 2024. While MJR has since halted legal proceedings, your account remains outstanding.
  
  Until a payment arrangement is established, we will continue our collection efforts as per our agreement with the credit grantor. If you would like to discuss a settlement offer based on your financial situation, please contact Ms. ****** at 1-************ ext. ****. She will be happy to assist you.
  
  Thank you for bringing this matter to our attention.  

  Customer response

  29/01/2025

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***** *****

• Initial Complaint

  08/01/2025

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I wish to file a formal complaint with MJR Capital Services operating out of Ontario. (Collection Agency) I suffered days of harassment with phone calls demanding I pay over the phone with a credit card. There were no formal letters or letters of intent prior to the phone calls. When I refused to give my credit card number over the phone without an invoice proving I owed money, I was hung up on. Calls continued by different agents until I demanded an invoice be emailed to me. Finally I received a makeshift invoice that I verified with the company I allegedly owed money to. I responded to the email promptly and informed them over the next couple of days of my intent. I paid the alleged amount owing to these debt collectors and still have not received in writing a receipt of payment or a final release. It has been over 30 days. They appear to be ignoring my emails. I worry my credit scores have been hurt by this encounter and I have no recourse. *** * *******? I have the emails I sent them on file if you request. (not sure how to upload an email chain) Thanks for your time. **** ******

  Business response

  09/01/2025

  Hello **** ******,
  
  We appreciate your communication and welcome the opportunity to respond.  We have investigated this matter in its entirety, and offer the following response to your concerns.
  
  We’re sorry to hear that your experience with us was not positive.  We have forwarded your concern to our management to find out where our processes were not followed and ensure that similar situations are properly handled going forward.
  
  A release letter was prepared and emailed to you on 08Jan2025.  Should you have any further questions, please contact us through our website, https://www.**********************/ attention ombudsman.  Please provide reference number *********
  
  Thank you for bringing this matter to our attention.  

  Customer response

  13/01/2025

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

  1. I am concerned their mismanagement of my file has affected my credit rating at the Credit Bureau. I received no assurances one way or another.
  2. I am concerned for others in my predicament where MJR has called demanding credit card numbers over the phone and told they are not owed an explanation. This promotes mistrust and *****. Indeed, I thought I was being swindled until an invoice was finally produced. I received NO paper copies from either ****** or MJR informing me that I was behind in ANY payment. I still havent. (I did receive the final release in previous email on Jan 8th. I believe this is satisfactory now that this saga has ended.)
  3. There seemed to be no record of previous calls made to me. I received approximately 5 calls over a week, and the next caller did not preface my concerns I made to the previous caller. ie: I will not provide a credit card number to a voice over the phone merely because they demand it. I requested their operational number to operate in Alberta and was denied. 
  
  I will live with the consequence of my actions. My interactions with MJR are solely from my financial hiccups. I do not expect to be treated curtly from a collection agency. On the contrary, I expect to be treated ****** as is the nature of the dicey conversations with insolvent denizens. I only ask is that they follow their own procedures and provincial rules. I am most concerned with Bullet One. 
  

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

  Business response

  21/01/2025

  Hello Mr. ******,
  
  MJR does not report to the credit bureau companies for this credit grantor.  Where applicable, credit grantors update the credit bureau based on their credit updating policies, over which we have no influence or impact.  You can contact the credit bureau companies for a free copy of your credit report.  *********** ************** *** ******** ***************
  
  For this credit grantor, we can only provide a balance letter, which was provided to you.  You should have been directed to the insurance company’s website to self-serve for supporting documentation for the outstanding account.  We will ensure that our team is reminded to properly direct consumers when documentation is requested.  It is our practice to help consumers pay their accounts immediately; the balance of your file was relatively small, so payment by phone was recommended by our agents. 
  
  Finally, our operating license in Alberta is ******.  Our license is valid until 30Nov2025, at which time a renewal is made. 
  
  I trust that I have answered your concerns, however, should you have any further question, please contact us through our website:  https://**************************/. Please include reference number ********.
  
  
  Thank you

  Customer response

  22/01/2025

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  **** ******

• Initial Complaint

  20/03/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

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

  Business response

  28/03/2024

  Dear ******* ******,
  
  We appreciate your communication and welcome the opportunity to respond. Our staff are trained to remove phone numbers from non-responsible parties, however, in this particular case, the agent did not follow our procedures and calls continued to your ex-husband in error.  His number has been removed from our file.  We apologize for the resulting inconvenience.  Our management group has addressed the agent and will provide reminders to our entire team.
  
  Please note that MJR has respected the allowable call frequencies.  The 3 in 7 rule applies after we establish right party contact which occurred on March 18, and does not include unsuccessful contact attempts.  Also on the call of March 18, you requested written communication only.  Normally, such a request must be made in writing, however, we have updated your file accordingly.  We have requested proof of debt and once received, it will be mailed to your address.  Please give this your time and attention so that we may bring this matter to a resolution.  Should you have any questions, please contact our supervisor, Ms. W., toll free at 1.877.669.4935 e****.
  
  Thank you for bringing this matter to our attention.

• Initial Complaint

  06/02/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

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

  Business response

  07/02/2024

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

  Customer response

  08/02/2024

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********* and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******* ******

• Initial Complaint

  26/01/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I have been receiving a lot of calls from this company without anyone talking from the other line. I also received texts asking for certain ***** ***** to pay his debts at ****** ****** or something. That person is not me and i don't have any debts. I replied to their text and filed a complaint on their website stating that it is not me that they're looking for but without any reply and any stoppage on calls. It is so annoying because they use random phone numbers including their own which bif you answer, there is nobody speaking so i choose not to answer anymore. There has been an increase of calls during the end of December 2023 to the moment i am writing this. I want this to stop.

  Business response

  31/01/2024

  Hello ****** *** *****,
  
  We appreciate your communication and welcome the opportunity to respond.  We have investigated this matter in its entirety and offer the following response to your concerns.
  
  It is not our wish to contact wrong parties, and as such MJR’s policy is to immediately remove wrong numbers from our files.  In this particular case, we were only made aware of the wrong number through your complaint via the BBB website.   Once received, we removed your telephone number from our file.  You will receive no further calls from us in this matter.  
  
  With respect to our agents not answering phones, we may have been experiencing a large volume of answered calls at the time we contacted you and no one was available at that moment to connect with you.  While we do our best to monitor our calling campaigns to avoid such situations, they do occur from time to time.   We apologize that your experience was not a positive one. 
  
  Thank you for bringing this matter to our attention.

  Customer response

  31/01/2024

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ****** *** *****

• Initial Complaint

  25/01/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I continue to receive multiple calls a day from this company even though I have told them I filed a consumer proposal over 2 years ago in which all debts were settled. If this continues I will file charges against the employee of the company that calls me personally.

  Business response

  26/01/2024

  We appreciate your communication dated 04Jan2024 and received by MJR on 24Jan2024.  It is not our wish to contact wrong parties.  Please contact our Response team through our website https://************************** and provide the number you wish for us to remove.  Thank you for bringing this matter to our attention.

  Customer response

  26/01/2024

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

  I have sent them a form stating what I have told them several times in the past and the numbers to not contact. With this company I have my doubts that it will work.
  
  Sincerely,
  
  ***** ******

  Business response

  31/01/2024

  Dear ***** ******,
  
  We appreciate your communication and welcome the opportunity to respond.  We have investigated this matter in its entirety and offer the following response to your concerns.   
  
  MJR is reaching out on behalf of an insurance company regarding accounts established within the last two years.  While we respect your request for no further calls, the outstanding matter persists and requires your immediate attention. The insurance company has emailed you notifications of this debt, however, should you require assistance, or reprints of your invoices, please contact them toll free at 1.844.766.6382.  For payment, please contact our supervisor, Ms. ******, toll free at 1.877.669.4935 e***. 
  
  If these debts are part of your consumer proposal, kindly provide a copy to us at ******@**********.com, attention ombudsman.  Please include reference numbers ******** and ********. Our administrative team will promptly forward the documents to our client for processing.
  
  We look forward to hearing from you.  Thank you for bringing this matter to our attention.  

• Initial Complaint

  04/01/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  The company claimed I owed *** an amount that was closed more than a year ago. I exchanged conversations with Craig C. to resolve it and paid the amount they said would resolve it. I am still receiving emails asking for more money on top of the resolution. I have all the proof of the request and the money paid.

  Business response

  11/01/2024

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

• Initial Complaint

  08/06/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  It started with a purchase at ***** diamond center. They pushed to get their credit card for the purchase. I agreed and signed up. I paid the balance of the transaction to the account they provided with the card. Turns out they were under going and switch with credit card companies, so I technically paid the old company and the new company was looking for payment. After almost 2 years, we got it settled, paid and closed between *******, MJR Capital and myself and we closed the account. Forward to present day 3 years later, I received a statement from ******* showing a credit of the amount of the original battle and fees being deducted from a credit. ******* can't fit it. They stopped the account statements from being sent, but can't close the account, they forward me to MJR Capital again and again. No one at MJR will answer the phone or return emails. 1. How does a closed account reopen after 3 years? 2. How do you justify taking a fee off a credit?. 3. How do I stop this before fees eat the credit (that isnt mine) on an account that should exist, and put my name into collections?. That will actually hurt me in the long run?it took me 2 years to fix this the first time and collections was almost involved then!!! Thank you for your help and time

  Business response

  15/06/2023

  Dear Katherine Coyle,
  
  While we regret the circumstances prompting your communication, we welcome the opportunity to respond.  We have investigated this matter in its entirety, and would like to offer the following in response to the allegations presented to us through the BBB website.   
  
  We confirmed that your file is closed with both MJR and the credit grantor.  When MJR closes its files, we electronically notify the credit bureau companies and they are supposed to update the record.  We checked both credit bureaus and found that an active record was showing for you.  An update request was sent to ******* on 14Jun2023.  Please allow 5 business days to update. 
  
  Thank you for bringing this matter to our attention.  

  Customer response

  15/06/2023

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
     I Would also like to be updated when the open file against me has been corrected. I have recieved another email statement from ******* on my account, again statement is dated after account closure. 
  Sincerely,
  
  ***** *****

• Initial Complaint

  08/05/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

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

  Business response

  10/05/2023

  Dear *** *******,
  
  While we regret the circumstances prompting your communication, we welcome the opportunity to respond.  We have investigated this matter in its entirety, and would like to offer the following in response to the allegations presented to us through the BBB website.   
  
  It is not our wish to contact wrong parties, and as such MJR’s policy is to immediately remove wrong numbers from our files.  In this particular case, we were only made aware of the wrong number through your complaint via the BBB website.   Once received, we removed your telephone number from our file.  You will receive no further calls from us in this matter.  
  
  Thank you for bringing this matter to our attention. 
  
  Thank you,
  Julie

• Initial Complaint

  26/04/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I don't live with ** ******. This number, ************ **** ******* ****** ****** **** ** ** ******** ** keeps calling ** ** **** *** ******* ***** ***** (not me, ***** *****) and leaves a message pertaining to me. The message says it's MJR Capital Services, **** ******* **** **** ****** ************ *** *** *** *** ** ***** **** ********* I know my credit record is clean. I don't want to phone this number back ******* * ** ******* ***** * ***** I want them to stop calling ** ****** ** *** ************* ** ** ** ********* *** *** **** **** *** *** *** * ***** ********** ** ******* number is unlisted ** *** *** ******** I don't know how they got *** number to begin with. Thank you.

  Business response

  02/05/2023

  Dear ***** *****,
  
  While we regret the circumstances prompting your communication, we welcome the opportunity to respond.  We have investigated this matter in its entirety, and would like to offer the following in response to the allegations presented to us through the BBB website.   
  
  Your mother’s number has been removed from our files.    She will receive no further calls from MJR.  
  
  MJR is a collection agency, and one of our clients has asked us to contact you.  For security and privacy reasons, we are permitted to share details regarding this matter with you only, and we may not leave details on answering machines or communicate via email.  To better assist you, please contact ********** ***** **** **** ** ************** **** with reference number *******.  You will be required to verify your identity and then account details can be shared with you, and supporting documentation can be sent to your home address.
  
  Thank you for bringing this matter to our attention. 
  Thank you,
  Julie

*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. ↩