Complaints

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

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  Wiggins Adjustments Limited

  19985 68 Ave Langley, BC V2Y 2W5

  
• 

  Wiggins Adjustments Limited

  200 â?? 17930 105 Ave Edmonton, AB T5S 2H5

• 

  Wiggins Adjustments Limited

  211-10534 124 St Edmonton, AB T5N 1S1

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:15/04/2025

  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.

  On April 11, 2025, I submitted a formal dispute letter to Wiggins Adjustments **** regarding an alleged $131.87 debt tied to **************** The debt was disputed due to material misrepresentation of the original contract, supported by audio evidence and multiple documented cancellation attempts. I informed Wiggins that the matter was already under active investigation by **********************. This is a second violation/investigation by ********************, the first in 2016. In response, on April 14, 2025, ***** *******, CPA #*****, replied: despite having received formal written notice that the debt is in dispute and that it is under active investigation by **********************. Mr. ******* acknowledged the dispute but stated that that will not stop the matter from being reported to your credit.This threat violates BCs Debt Collection and Repayment Regulation (Section 4), which prohibits continuing collection activity on a debt that is in dispute or unenforceable. It may also breach the Personal Information Protection Act (PIPA) by disclosing contested financial information to third parties. Additionally, Mr. ******** tone was retaliatory and dismissive. For example, he responded, you may complain to whomever you like. This shows a clear disregard for my rights and the regulatory process.Requested Resolution: To resolve this issue, I respectfully request that Wiggins Adjustments ****:Confirm in writing that it will not report ours or any debt to any credit bureau while a dispute is under active investigation by Consumer Protection BC or any regulatory body.Wiggins Adjustments **** identifies as the Canadian representative of ***********************, ***, a multinational debt collection network. **** professional reputation and global code of ethics may be jeopardized by Wiggins conduct. I encourage the BBB to note this affiliation in its records and recognize that reputational concerns may extend beyond this local agency.

  Customer Answer

  Date: 17/04/2025

  Subject: Re: BBB Complaint ID ******** Legal Basis and Clarification of Disputed Debt Status
  Dear ******,
  Thank you for the opportunity to clarify the basis of my complaint and substantiate my claim that this debt must not be reported to a credit bureau while in dispute.
   Legal Basis for Withholding Credit Reporting on Disputed Debts
  In ****************, debt collection practices are governed by the Debt Collection and Repayment Regulation (B.C. Reg. 100/2004) under the Business Practices and Consumer Protection Act (*****).
  Specifically:
  Section 4(1)(d) states:
  A collector must not communicate or threaten to communicate with a credit reporting agency unless the debt is not in dispute.
  In this case, Wiggins Adjustments **** was provided with proof of dispute, both verbally and in writing before he ever contacted myself. Furthermore, when ***** ******* of Wiggins emailed us on April 11, 2025, attaching a copy of the original contract and cancellation form, he also included copies of the written dispute letters citing misrepresentation of the original agreement with audio evidence to support the invalidity of the contract. We had hand-delivered and emailed to *********** these dispute notices. By then forwarding those same notices to us in doing so, he demonstrated that he had full knowledge that the debt was actively contested prior to his engagement.
  Despite that, Mr. ******** initial email and the collections notice we received came after he was in possession of the dispute documentation. His continued threats to report the debt to the credit bureau after receiving formal notice of dispute constitute a direct violation of Section 4(1)(d) of the above regulation.
  
  
  
  Privacy Violation and Incorrect Attribution of Debt
  Additionally, the collections notice was issued solely in my name, despite the fact that the alleged debt pertains to two individuals, myself and my spouse, ***** *****. Wiggins never issued a notice to him directly, and has misattributed the entire balance to me.
  This raises serious privacy and procedural concerns. Reporting a debt:
  That is only partially attributable to the named individual;
  That is not validated for accuracy;
  And that contains another persons private financial obligation without their consent;
  ...constitutes a likely violation of British Columbias Personal Information Protection Act (PIPA).
  Under PIPA, Section 33, an organization must not disclose personal information to a third party (e.g., a credit bureau) unless:
  The individual has consented, and
  The information is accurate, complete, and not misleading.
  In this case, the debt is not only in dispute, but it is also partially incorrect, and not entirely mine. Threatening to report it to a credit bureau under my name only represents both:
  Unlawful disclosure of my and/or my spouse's financial data, and
  An inaccurate and misleading attribution of responsibility to me.
  
  
  
   Summary
  To summarize:
  The collection agency knowingly received and acknowledged the disputed file before making threats of credit reporting or mailing a single collection notice to only half of the alleged debtor.
  Reporting the debt while in dispute violates Section 4(1)(d) of the ***** Regulation.
  Misattributing a partially shared debt to a single party and threatening to report it constitutes a likely breach of Section 33 of PIPA.
  No debt should be escalated or reported to a credit bureau unless it has been verified, and all parties have been appropriately notified and consent has been obtained.
  Please let me know if you would like supporting documentation (including the disputed letters, Wiggins email containing them, or the threatening response that followed). I appreciate your time and attention to this matter and look forward to the continuation of the complaint process.
  Sincerely,
  **** *****
  ****************************
  ************
  

  

  Business Response

  Date: 24/04/2025

  Kyla, this reference: Section 4(1)(d) states:
  A collector must not communicate or threaten to communicate with a credit reporting agency unless the debt is not in dispute.

  Does not exist in Part 7 of the debt collection act, the part that specifically references what collection agencies can and cannot do. This matter is due to be reported to your credit on or about May 29th. Pay your bill before this date to avoid a faulty credit record.

  ***** *******, Operations Manager

  
  

  Customer Answer

  Date: 24/04/2025

   
  Complaint: 23204180
  
  I am rejecting this response because:
  

  ************************************************************************
  Updated Summary of ***** Violations by Wiggins Adjustments Ltd.
  1. Failure to Validate Debt Before Collection
  Section 115(1)(b2) 
  A collector must not attempt to collect a debt until they have provided the debtor with:
  The name of the original creditor and the current creditor
  The amount of the debt, including a breakdown of the charges
  The identity and authority of the collector
  116 (3) (b-2)
  (ii) currently owing, including a breakdown of that current amount, if different from the amount of the debt on the date it was first due and payable, and
  the identity and authority of the collector to collect the debt from the debtor.
  (b) the amount of the debt
  (i) on the date it was first due and payable, and
  (ii) currently owing, including a breakdown of that current amount, if different from the amount of the debt on the date it was first due and payable, and
  (c)the identity and authority of the collector to collect the debt from the debtor.
  Violation:
  1. Wiggins did not provide a breakdown of the amount claimed. 
  2.The debt was later revealed to be only partially allegedly ****s, but they failed to conduct due diligence or validate liability before pursuing ****. This is a breach of their legal obligation to confirm and disclose the basis of the claim before making any collection efforts. 
  3. Only one collection notice came, **** has been provided a copy. 
  4. The notice contains no break down of costs, and no amounts attributed to each individual alleged debtor.
  5. in the matter of authority of the collector to validate the debt, by providing copies of the dispute notices back to the alleged debtor and the individual contracts signed, the creditor and their agent have proven that they had no authority to collect as the debt was knowingly belonging to two alleged persons, and was actively in dispute (will address in further points)
  
  
  
  2. Attempting to Collect from Someone Not Liable (in Part)
  Section 120(b):
  A collector must not collect or attempt to collect money from a person who is not liable for the debt.
  Violation:
  Because only a portion of the debt is allegedly ****s, Wiggins overreached by pursuing the full amount from **** without evidence or authority, thereby attempting to collect more than she is liable for and threatening to report the full alleged sum to the credit bureau. I made no such guarantee and signed no document to be expressly liable for ****** contract. I simply paid for his dues with one PAD form. 
  Communication with persons other than the debtor 117   (1) 
  Except for the purpose of obtaining the debtor's home address, telephone number or electronic mail address if the collector does not have that information or has that information but has reason to believe it is not correct, a collector must not communicate or attempt to communicate with a member of the debtor's family or household, or a relative, neighbour, friend or acquaintance of the debtor unless
  the person contacted has guaranteed to pay the debt and is being contacted in respect of that guarantee, or
  the debtor has authorized the collector to discuss the debt with the person contacted.
  
  
  
  3. Threatening to Escalate Without Proper Investigation
  Section 116(4)(c):
  A collector must cease contact if the debt is in dispute and the debtor requests that the matter go to court.
  Violation:
  I provided multiple clear written dispute notices to both Zak Fitness and Wiggins Adjustments, but Wiggins continued to threaten escalation and credit bureau reporting without validating or breaking down the debts totals. That amounts to continuing unlawful collection activity after being made aware of a live dispute and against an invalidated alleged debt. (see penalties at end of this document)
  
  
  
  4. False or Misleading Representation of Debt
  Section 123(a):
  A collector must not supply any false or misleading information.
  Violation:
  1. Demanding full payment of an unverified and partially invalid debt constitutes a misleading representation of what is owed, especially in the absence of a proper breakdown.
  
  
  
  5. Misuse of Professional Title to Intimidate
  Section 123(c):
  A collector must not misrepresent the identity of the collector.
  Deceptive Acts or Practices: Part 2 4(1)(a-b)
  4   (1) In this Division: "deceptive act or practice" means, in relation to a consumer transaction,
  an oral, written, visual, descriptive or other representation by a supplier, or
  any conduct by a supplier that has the capability, tendency or effect of deceiving or misleading a consumer or guarantor;
  Violation:
  1. Using ***** #***** in a debt collection notice is a visually deceptive act and has the effect of deceiving and misleading the consumer because it mimics the format of a professional or regulatory license number, but the ***** is not a licensing body  it's simply the name of the legislation.
  If the intent were to identify a valid license, it would follow the accepted format used by Consumer Protection BC (****), such as:
  **** License #******  the actual regulator of debt collectors in **, not a piece of legislation.
  By pairing ***** with a number, it falsely implies that the sender is certified, authorized, or governed by the law itself, which is both legally and procedurally incorrect. The only plausible interpretation for a consumer is that this is a license or credential issued under legal authority  which it may be referencing the **** number, but in an exceptionally misleading way. There is no other interpretation of nonsensical information combined together in a debt collection letter to the recipient other than legal authority. 
  The purpose of using ***** #***** is to illicitly convey legitimacy, legal authority, and regulatory weight  despite no such designation existing. In a power-imbalanced setting like debt collection, this is not only misleading, its coercive.
  
  
  
  6. Harassment or Coercion
  Section 114(c):
  Harassment includes:
  Coercive language
  Undue pressure
  Violation:
  Threatening to report a disputed, unvalidated, and partially incorrect debt to credit bureaus, especially while invoking false credentials, while knowing the debt was actively in dispute constitutes undue and coercive pressure under the Act.
  
  
  
  7. Part 13 Offenses and Penalties (2) 
  A person who contravenes subsection (5) or any of the following sections commits an offence:
  Section 189 2(F-32): [requirement to give accurate information];
  (f)
  Section 4 112 (1) [false or misleading information];
  (g)
  section 114 (1) [harassment];
  (j)
  section 117 (1) or (2) [communication with persons other than debtor];
  (m)
  section 120 [collection from person not liable for debt or in excess of amount of debt];
  (p)
  section 123 [false or misleading information and misrepresentations];
  (5) 
  Sub 5 A person must not do any of the following:
  (a)
  supply false or misleading information to a person acting under this Act;
  (b)
  refuse or fail to provide information as required under this Act;
  (7) 
  Each day that an offence continues under subsection (5) (e) constitutes a separate offence. I have had NO confirmation of the invalidated alleged debt being stopped since receiving the collections notice April 11th 2025 or since providing Wiggins a cease and desist notice. 
  (8) 
  If a corporation commits an offence under this Act, an employee, officer, director or agent of the corporation who authorizes, permits or acquiesces in the commission of the offence also commits an offence, whether or not the corporation is prosecuted for the offence. (***************)
  Penalty
  190   (1) 
  An individual who commits an offence under this Act is liable to a fine of not more than $10 000 or to imprisonment for not more than 12 months or to both.
  (2) 
  A corporation who commits an offence under this Act is liable to a fine of not more than $100 000.
  (3) 
  Despite subsections (1) and (2), the court may increase a fine imposed under this section by an amount of up to 3 times the court's estimation of the amount of monetary benefit acquired or accrued as a result of the commission of the offence.
  Compensation to consumer
  192   (1) In addition to a penalty imposed under section 190 [penalty], a court that convicts a defendant of an offence under this Act may order, at the time the penalty is imposed, the defendant to pay to an aggrieved consumer or guarantor, as compensation for pecuniary loss suffered by the aggrieved consumer or guarantor as a result of the commission of the offence, an amount not greater than the monetary jurisdiction specified in the Small Claims Act.
  (2) 
  
  
  
  
  Section Violation
  
  
  114(1)(c) Harassment/Coercion Threatening credit bureau escalation while the debt was under formal dispute, invoking false authority to pressure compliance.
  
  
  115(1)(ac) Failure to Validate Debt No breakdown of charges, no separation of liability, and no proper identification of the collectors authority.
  
  
  116(3)(bc) Insufficient Debt Disclosure Collector failed to provide: (i) the original amount due, (ii) updated totals with breakdown, and (iii) collector identity/authority.
  
  
  116(4)(c) Improper Escalation Continued collection and threats after receiving written dispute and request for resolution.
  
  
  117(1) Unlawful Communication Targeted one member of the household for an alleged debt that was individually incurred, without consent or valid separation.
  
  
  120(b) Attempted Collection from Someone Not Fully Liable Pursued full amount from one person without confirming who owed what.
  
  
  123(a) Misleading Representation of Debt Demanded full payment of an unverified and partially invalid debt without proper breakdown or clarity.
  
  
  123(c) Misrepresentation of Authority Used ***** #***** to mimic a professional designation and imply legal authority that does not exist.
  
  Sincerely,
  
  **** *****

• Initial Complaint

  Date:07/04/2025

  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.

  Wiggins posted a false $500 debt to the credit bureau damaging my credit rating. Despite providing evidence, including a CTA decision 389952-CO-2024, proving I did not owe this debt to ********** (for services not received) Wiggins continues to post the false debt. At the core of the issue is financial harassment - defamation of my credit - an attempt to coerce payment not owing - a reckless abandon of the truth - and an act of corporate negligence resulting in deliberate financial harm which has caused significant stress. Air Canada, Wiggins and Equifax have been made aware of the inaccuracy of the debt, yet they continue to allow this erroneous information to remain. The actions of Wiggins are unlawful, egregious and contrary to both legal and ethical standards. The false debt must be removed immediately and I should be compensated for distress and financial damage. Financial harassment is unacceptable and must be stopped.

  Customer Answer

  Date: 07/04/2025

  Good day, I seek to have Wiggins *************** remove the $500 false debt they posted to my credit report and have my credit rating restored. This debt was not owed to **********. This fact is supported by the *** decision which ruled that it was ********** who, in fact, owed me compensation. I trust that the BBB will assist me. I recognize that the BBB cannot order compensation for emotional stress. 

  

  Business Response

  Date: 09/04/2025

  *****, we've been all around the houses on this. ******* investigated in detail and agrees that you got $500.00 from ********** that were NOT entitled too. The listing stays until you pay your debt.

  ***** ******* Operations Manager

  Customer Answer

  Date: 09/04/2025

   
  Complaint: 23172430
  
  I am rejecting this response because: The $500 debt was a false and fraudulent debt posted to my account dated Dec 31, 2023 at a time when the debt was under dispute and, as per the *** decision of September 10, 2024, was found to be NOT owing. As per decision 389952-CO-2024, the *** ruled that, in fact, I was owed compensation -not a debt collection notice. **********'s actions, along with Wiggins Adjustments *** and Equifax, constitute a clear case of unlawful conduct, financial harassment and egregious behaviour. The factual misrepresentations made by **********, Wiggins Adjustments *** and Equifax are designed to obscure the truth and confuse the matter at hand. At the core of the issue is the fact that ********** knew, or ought to have known, that the debt was not owed to them at the time of posting. The fact that Wiggins posted this debt is not just an error; it is an unlawful attempt to coerce payment. The action taken be Wiggins Adjustments *** constitutes financial harassment, as it sought to force me into paying for services I did not receive and that was not owed in the first place. In addition to the wrongful posting of the debt, the communications I had with ********** revealed a pattern of deliberate misrepresentations. On multiple occasions, **********'s representatives made false statements regarding the availability of lie-flat seating on domestic routes. They also falsely claimed that business class seating and Signature class lie-flat seating are one and the same, when, in fact, they are distinct and provide vastly different seating. Furthermore, they misleadingly told me that my eligibility for a refund was forfeited due to my original booking being in Economy class, which was completely inaccurate and misleading. These misrepresentations were not mere mistakes - they were intentional efforts to confuse the issue and avoid the company's responsibility to provide the compensation I was owed. It was clear that ********** was attempting to deflect blame and mislead me about my rights in order to avoid paying compensation rightfully owed. They also withheld information, contrary to the Air Passenger Protection Regulations (APPR), that prevented me from initially claiming (and obtaining) compensation for denial of boarding ($900 per passenger) which resulted in the ***'s inability to rule on the matter. This pattern of behaviour was not only unprofessional but unlawful, as it involved misleading a customer into believing they had no recourse for the failure to deliver services paid for. Adding to the gravity of the situation, **********'s legal counsel admitted, during a recorded phone call on February 26, 2025, that I should have been compensated from the outset. This admission is a critical piece of evidence that underscores the wrongful nature of the debt. If **********'s own legal team acknowledges that I was entitled to compensation, then it is clear that the posted debt was false. This admission further emphasizes the egregious conduct by all parties involved. Wiggins Adjustments *** and Equifax are complicit in continuing to report an erroneous debt. *******, as a credit reporting agency, is responsible for ensuring that the information they report is accurate. The failure to remove the false debt, despite the legal ruling and clear evidence, constitutes a violation of my rights and is a blatant disregard for their legal obligations under consumer protection laws. Furthermore, Wiggins Adjustments ***, as a collection agency, continues to pursue payment on a debt that has no legal basis, using coercive tactics to pressure me into paying for something that I did not owe from the beginning. It is unlawful for Wiggins Adjustments *** and Equifax to post a false debt and then claim retroactively a debt is owed. The ***, who ruled on **********'s submissions, did not rule a debt was owed to **********. This conduct - spanning from **********'s wrongful posting of the debt, to their misrepresentations, to the continuing harassment by Wiggins Adjustments *** and Equifax - amount to nothing less than financial harassment. It is an attempt to hold ****** my credit health and to force payment through manipulation and deceit, without any legal justification. The persistence of the false debt is not just a minor error; it's a deliberate act of financial harm that has caused significant stress and damage to my credit rating. The situation at hand is clear: the false debt must be removed immediately. **********, Wiggins Adjustments *** and ******* have all been made aware of the inaccuracy of the debt, yet they continue to allow the erroneous information to remain. Their actions are unlawful, egregious and contrary to both legal and ethical standards. It is imperative that these companies cease their unlawful conduct, remove the false debt from my record, restore my credit rating and take responsibility for the harm they have caused. The debt should be erased forthwith, and I should be compensated for the distress, confusion and financial damage caused by this situation (I realize the BBB cannot force financial compensation). This case serves as a ***** reminder of the importance of corporate accountability. When companies like ********** fail to deliver services paid for, when they make false statements to mislead customers, and when they continue to post inaccurate debts with the help from companies like Wiggins Adjustments ***., despite clear evidence to the contrary, they must be held accountable. Financial harassment, especially in this context, is unacceptable and must be stopped. The false debt must be removed, and these companies must take corrective action to ensure that this never happens again - as stated in a recorded phone call by **********'s legal counsel. I trust that this matter will be resolved without further delay.
  Sincerely,
  
  ***** ******

  

  Business Response

  Date: 10/04/2025

  *****, you owe my for the over-payment you received. ********** does not hand out free money and no amount of blather from you will negate or cancel out this debt. You owe it, so pay it, and afterwards I will set about fixing your credit. There is nothing left to say about this.

  ***** *******, Operations Manager

  Customer Answer

  Date: 14/04/2025

   
  Complaint: 23172430
  
  I am rejecting this response because: Wiggins Adjustments **** A Textbook Case of Bad Faith ******* and False Debt Reporting. I had received a lawful chargeback (refund) from my credit card company for services not received on an ********** flight. In retaliation, ********** sent me an action notice for $500. ********** and their collection agency, Wiggins Adjustments ***** are using my credit rating as leverage to collect a $500 "debt" that was never valid. Their actions are coercive, unlawful and retaliatory. The alleged debt was reported while in dispute - a violation of reporting standards. Under Canadian credit reporting standards, creditors are obligated to mark debts as "in dispute" when such a challenge is raised and not yet resolved. Failure to do so constitutes misleading reporting and is actionable under consumer protection laws. I filed a regulatory complaint with the ****************************** (***) in January 2024. On Sept 10, 2024 (Decision 389952-CO-2024), the *** ruled in my favour and ordered ********** to pay me compensation. However, **********, Wiggins and ******* refuse to remove the false debt claiming I've been overcompensated. Even if ********** believes I was overcompensated, they cannot unilaterally and retroactively declare a debt after the fact. The damage to my credit is being used as leverage, not as fair debt collection. This tactic is coercive and abusive. It's especially egregious when there's been a regulatory finding confirming compensation was owed to me - not a $500 debt collection notice. The debt is not legally established and if I'm coerced to pay it, I set a precedent that false debt reporting and coercion work. Agreeing to pay would reward Wiggins Adjustments **** and Air Canada for: 1) deliberate misrepresentations 2) failing to properly resolve the issue when it arose 3) ********** losing their case before the *** 4) retaliating through false credit reporting. Wiggins Adjustments **** should be held accountable for false debt reporting. This case undermines not only my rights but consumer protection broadly. This is coercive collection. Using a false debt to impact a consumer's creditworthiness as a means to pressure unlawful payment (not legally established as owing) is a violation of 1) The federal credit reporting Act 2) debt collection guidelines under the ************************** 3) Tort laws related to defamation and injurious falsehood 4) Common law principles of abuse of process. Wiggins Adjustments apparently is unfamiliar with the legislative rules of engagement. It's important to note that the ************************************ (****) fined ************ and ruled the following on January 17, 2025 for: failing to properly conduct reinvestigations of disputed information in consumer files; failing to provide adequate written notice to consumers of the results of its reinvestigations; failing to follow reasonable procedures to assure maximum possible accuracy of information Equifax reports on consumers; and failing to block reporting of information consumers identified as resulting from identity theft and to provide appropriate notice when such blocks were declined or rescinded. The Bureau also found that ******* engaged in unfair acts or practices in violation of the ****************** Protection Act of 2010 by: (1) using ineffective systems, flawed processes, and excessive deference to furnishers to resolve consumer disputes and failing to adequately inform consumers of the results of reinvestigations; and (2) selling inaccurate consumer credit scores and credit attributes after it introduced test code into a production environment in a scoring model server. The order requires ******* to come into compliance with the law and pay a $15 million civil money penalty. ******* was fined for exactly what Wiggins Adjustments **** and ******* have done in my case - unfair business practices. Equifax has not provided any adequate written explanation to me or the BBB for the reporting of the false debt and has only engaged in continuous deference to furnishers. Neither Wiggins Adjustments nor Equifax have marked the debt "as disputed" as required by law - and my credit score should not have been damaged by this false debt reporting. Wiggins Adjustments **** must remove the false debt and have my credit score restored immediately. I trust that the BBB will act accordingly to help resolve the matter. 
  
  Sincerely,
  
  ***** ******

  

  Business Response

  Date: 16/04/2025

  *****, you received money to which you were not entitled, so the listing shall remain on your bureau until you make restitution to **********

  ***** ******* Operations Manager

  Customer Answer

  Date: 21/04/2025

   
  Complaint: 23172430
  
  I am rejecting this response because: First, To be clear Equifax has not conducted a proper investigation nor have they provided any written explanation. Had Equifax done so, they would know that there is no legal basis for collection of the debt. Please note that a formal complaint regarding ******* has been submitted to the proper authorities. 

  For absolute clarity:

  *Wiggins purchased a false $500 debt claim from ***********
  *I do not acknowledge any debt.
  *No court judgment has established any debt.
  *The underlying matter appears to be an internal claim by ********** alleging overcompensation, which does not create an enforceable debt without due legal process.
  *To date, Wiggins has failed to provide any credible evidence substantiating this alleged $500 obligation. Simply restating a claim, while dismissing my fulsome evidence, the *** Decision and consumer protection laws as "blathering," is both unprofessional and contrary to your obligations under applicable consumer protection and credit reporting laws.
  I formally dispute the alleged debt and demand the following forthwith:
  *Full written explanation of the legal basis for the alleged claim - specifically including court decision(s);
  *Confirmation that no negative credit will continue in connection to this disputed and unsubstantiated claim.
  *If Wiggins continues collection activities without substantiating the debt as legally owing or if they engage in, or have engaged in, negative credit reporting, I reserve the right to pursue all available legal remedies, including but not limited to claims for defamation, harassment, and breaches of consumer protection legislation.

  All parties have engaged in false debt collection - damaging my credit score to coerce payment for a debt not legally established as owing. And, they know it. 

  Please know that I have submitted formal complaints about Wiggins Adjustments **** to the relevant regulatory and oversight bodies.
  Continued disregard of this formal dispute will be taken as evidence of bad faith.
  

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

  

  Business Response

  Date: 24/04/2025

  none of that is true *****. Money isn't free. I will be on hand to fix your credit once you have repaid your debt to **********,

  ***** ******* - Operations Manager

  Customer Answer

  Date: 24/04/2025

   
  Complaint: 23172430
  
  I am rejecting this response because:

  The Wiggins reply is not only factually inaccurate, its legally and ethically indefensible.
  ? The amount in question was never legally adjudicated as a debt.
  ? The ****************************** ruled that I was owed compensation by ***********
  ? The alleged debt was posted before the *** ruling during an active dispute in direct contradiction to principles of fair and accurate reporting. 
  Subject: Re: Disputed Debt and CTA Ruling Failure to Acknowledge Valid Evidence
  Please find attached the Action Notices issued prior to the ****************************** (***) decision, at a time when the $500 was still under active dispute.
  In both instances, I promptly provided clear, indisputable evidence to support my position evidence that Air Canada and Wiggins Adjustments refused to acknowledge. This same documentation was relied upon by the ***, an impartial tribunal, to rule in my favour. The facts were never in question only willful blindness - by Air Canada and Wiggins Adjustments ****** by perversely adhering to a course of action in spite of reason and valid arguments - a decision in bad faith for the purpose of financial gain.
  Both Action Notices explicitly allowed me an opportunity to respond with a valid dispute. I did exactly that. And it was later proven valid when I won my case and ********** lost. Yet, both ********** and Wiggins proceeded to ignore my response (and ignore their own Notice terms) Air Canada, seemingly in retaliation for the chargeback, and Wiggins, perhaps due to blind corporate loyalty, or worse, personal bias. 
  Air Canada and Wiggins are solely responsible for creating this problem. They filed a debt with ******* during an active dispute before any adjudication and have since attempted to retroactively justify that action by claiming overcompensation, despite the *** ruling in my favour.
  There was no legal process, no tribunal finding of a debt, and no justification for reporting it as a collections item. This is a clear case of retaliation and an abuse of the credit reporting system.
  Every response from Wiggins has been dismissive, patronizing, and entirely unprofessional. At no point has there been any substantive acknowledgment of the binding ruling or the facts underpinning it. Instead, I have been subjected to continued harassment over a debt that has no legal foundation.
  This behaviour must stop. 
  Continuing to report a disputed, unvalidated amount as a collections debt in defiance of regulatory findings amounts to financial harassment and coercion, not legitimate collections activity.
  I will be escalating this further to the Office of the Privacy Commissioner, media outlets, and consumer protection bodies. Wiggins Adjustments **** is not above the law, and I will not be intimidated into payment of funds not legally owed.
  
  Sincerely,
  
  ***** ******

• Initial Complaint

  Date:24/02/2025

  Type:Customer Service 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 recently obtain a cell phone with a new number.I received multiple calls from ************ and ************. Both numbers are not identified with the company when they call and my carrier identifies the numbers as ********** messages were left for a ****** *** ref# ******** to contact them at ************** I called the number (**************) on Feb 3/ 2025 and talked with a representative and explained there is no such person associated with the cellphone number they called. They said they would fix the problem and remove my cell number.I keep receiving calls (Feb 18, Feb 20, Feb 22, Feb 24) from both the above numbers.Please update your contact information for ****** ***. The cell phone number you have does not belong to him.

  

  Business Response

  Date: 13/03/2025

  Hello *****, I checked the file and made sure your number has been removed. Sorry for any inconvenience

  ***** ******* Operations Manager

  Customer Answer

  Date: 13/03/2025

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

• Initial Complaint

  Date:19/02/2025

  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.

  June 12, 2024 Wiggins Adjustments Limited - Diamond Parking Services ****** **************. Walk Off ticket. I disputed because I went to ****** after I left but didn't have a receipt cause I didn't buy anything. ******* denied the dispute. Then being contacted constantly by Wiggins. Weird messages and texts claiming that they are Transport Canada and also being charged interest. My complaint is the tactics to collect.

  

  Business Response

  Date: 19/02/2025

  Hello ****, I understand what you're saying however, it doesn't matter that you shopped in the business attached to the lot. If you leave the lot for any reason and don't take your car with you, you get a ticket. That is why your dispute was unsuccessful.

  We never ID ourselves as anything except "Wiggins Adjustments ***** If you are hearing **************** then that is somebody else not related to our company.

  ***** ******* Operations Manager

  Customer Answer

  Date: 19/02/2025

   
  Complaint: 22962215
  
  I am rejecting this response because:
  
  Sincerely,
  
  **** **********

  

  Business Response

  Date: 25/02/2025

  Hello ****, I stand by my previous answer

  ***** ******* Operations Manager

• Initial Complaint

  Date:27/11/2024

  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 have received a collection notice from this organization and wish to dispute the charge with the original company (***********) as I was charged but no service was provided as they did not send the service I ordered. I have attempted to call Wiggins at the number on the bill and the one found on the internet, neither gets answered or has voicemail. The letter states I will be reported to the credit bureau of not paid by the end of November. I am requesting an extension to end of December while I attempt to resolve the issue at hand.

  

  Business Response

  Date: 27/11/2024

  I've reviewed the file and I have included the invoice. You are being charged a call-out fee for services ordered. There is no charge for any services on the invoice, just a call out fee for the truck, driver and time spent getting to you. This is standard in the industry. You may dispute with them if you choose, but all service providers of this type charge a fee if you call them out then send them away.

  ***** ******* Operations Manager
  

  Customer Answer

  Date: 06/12/2024

   
  Complaint: 22610117
  
  I am rejecting this response because: I wish to confirm an extension on the deadline for this account as payment is due today. Again I called your business line wait on hold and get disconnected. I would like to talk to a person. In addition,, *********** did not send the service I requested and that is the root of this complaint. PLease call me ************ and confirm that my file will not be sent to collection today we need time for resolution. 
  
  Sincerely,
  
  ****** **********

  

  Business Response

  Date: 06/12/2024

  I have extended the deadline per your request

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

  Customer Answer

  Date: 07/12/2024

   
  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

  Date:14/11/2024

  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 24-11-13 I received an automated call from a Wiggins Adjustments out of *******. The automated voice said I owe approximately $210 but I have no idea what for. I've never received a parking ticket etc. so do not know what this would be for. I believe this is a scam. Please help. Thank you.

  

  Business Response

  Date: 14/11/2024

  Hello *****, the reason for our call is not for a parking ticket. ******************************* has fined you for "NO DOG LICENSE" in the amount of $210.00 on July 29 2024. You should have received letter notice from them along with the original ticket to your address. Please contact our office **** to resolve the matter. This is NOT affecting your credit at this time.

  ***** *******, Operations Manager
  

  Customer Answer

  Date: 15/11/2024

  To whom it may concern,

  Thank you for your quick response regarding this matter.

  I have never received any correspondence regarding the dog license. My dog has been deceased for over 3 years and I have not lived at the address on ***************** for over 3 years. My Mother and I lived at that address until her passing and at that time the house was sold. I did put my forwarding address in to ****** Post and still did not receive any notices from the City of **********. I don't believe I should have to pay that amount after going through such a heartbreaking time. 

   

  Thank you

  *. *********

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

   

   

   

   

  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:25/09/2024

  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.

  Wiggins is a debt collection agency and by Canadian law they are not allowed to contact me by phone unless I have provided that right to them. I have never provided any parking company or collection agency with my phone number, yet they are harassing me not only with many texts but also phone calls trying to threaten and intimidate me to paying them.

  

  Business Response

  Date: 25/09/2024

  Hello ****, I don't know where you got that information, but I advise you seek advice from a lawyer because what you are suggesting simply isn't true. If you owe a legally enforceable debt, an agency can call and demand payment.

  In this case you owe a fine to ************************ for being illegally parked on June 4 2024 at 7:49pm, at *************** for Failing to Pay for parking.

  ***** ******* Operations Manager
  

• Initial Complaint

  Date:25/09/2024

  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 have been receiving phone calls and texts for Cheyenne ************ I previously notified them that they had the wrong number, but the calls and texts persist. I do not enjoy being harassed.

  

  Business Response

  Date: 25/09/2024

  Hello ***, sorry for the calls, your number has been removed.

  ***** ******* Operations Manager
  

  Customer Answer

  Date: 25/09/2024

   
  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

  Date:20/09/2024

  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.

  Wiggins is collecting on a parking ticket I heavily dispute. I walked into the store to get groceries in the correct lot and they claim I went to another store.

  

  Business Response

  Date: 20/09/2024

  Hello ****, we do not claim anything against you. We are here strictly to collect on unpaid fines. You got the ticket because you were SEEN walking off the lot. That's why the enforcement agents are there. You currently have multiple unpaid tickets with ***. Because of this, you risk having your vehicle towed and impounded the very next time you are caught in any DPS controlled lot. Please contact our office to resolve the matter.

  ***** *******, Operations Manager
  

• Initial Complaint

  Date:20/09/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I got a letter saying that I got tickets from concord parking. Both of which when I got the letter's I responded immediately to the Concord parking company filing a dispute. I never received a response or phone call from Concord ************* I received a letter from Wiggins Adjustments Limited. The letter said:Previous efforts to effect payment have been as follows:Validation notice sent upon assignment, follow up collection letters, various number phone calls with no response.I have never received a second letter or letters, a single phone call (not sure they even have my phone number)Concord parking should contact me first especially since I went through the hassle of submitting a dispute. But the fact this letter is stating things that never happened is a scare tactic? Seems to be a very common thing with this company reading online.

  

  Business Response

  Date: 20/09/2024

  Hello Arran, you have 2 tickets with Concord Parking, total is $160.00. They provided your email and phone number so clearly they received your submissions but did not accept them. That is why you are now in collections. We cannot cancel a ticket, only our client can do that. We are simply here to collect unpaid fines and to let you know that because you owe multiple fines, you risk having your car towed and impounded if found in any Concord controlled lot. Please contact our office to resolve this matter.

  ***** *******, Operations Manager