Complaints

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

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  goeasy Ltd

  510 - 33 City Centre Dr Mississauga, ON L5B 2N5

  
• 

  goeasy Ltd

  113 105 Carry Dr SE Medicine Hat, AB T1B 3M6

• 

  goeasy Ltd

  124 920 36 St NE Calgary, AB T2A 6L8

• 

  goeasy Ltd

  180 94 Avenue SE Calgary, AB T2J 3G8

• 

  goeasy Ltd

  220 9737 Macleod Trail SW Calgary, AB T2J 0P6

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:21/03/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to report an unauthorized withdrawal from my CIBC checking account # ******, by easy financial services Inc, located at ***** ******** *****, Edmonton, AB ****** In fact, on date of Nov 29, 2024 an unauthorized withdrawal from my checking account of $20.99 was made by this institution with no reason, since the loan I had with it, was paid fully in October 23, 2024. So, following this unauthorized withdrawal, I went to see the responsible of this branch to discuss the reason of this withdrawal. The responsible of the branch, after hearing my concerns, apologized and promised me to reimburse the amount taken from my account and, to stop any further withdrawals. I believed him, and i left his office thinking that everything will be sorted out. Then, some time later, to my great surprise, not only, there was no refund, but another withdrawal of $20.99, was made, from my account, on December 31, 2024. Again, I went back to see the same responsible and the same scenario repeated itself: excuses, promises of reimbursement and the cessation of new withdrawals. Then again, some time later, no only there was no promised refunds, but another withdrawal of $20,99 has been made shamelessly, by this branch, on January 31, 2025. So, following this new withdrawal, I decided to contact the headquarters of this Branch in Ontario. After my call to the head office, I received a call from the same responsible of the ******** ***** branch asking to come to see him and resolve this problem once and for all. When I went to see him, the same robotic scenario was repeated and played again : apologies and reimbursement. Unfortunately, everything that was promised was just deception, since another withdrawal of $20.99 was, also made on February 28, 2025. ** *********** * ******** *** ***** ************ *********** **** ** ******** ** *** **** ** **** ********* ******** **** ******** ********* ******* ***** ********** **** ***** ** ******

  Business Response

  Date: 26/03/2025

  Thank you for bringing this matter to our attention. easyfinancial sincerely appreciates the opportunity to address your concerns regarding the unauthorized withdrawals from your account.
  
  Upon reviewing your case, easyfinancial acknowledge that there was a misunderstanding which led to the continued charges for the Credit Optimizer (CO) standalone product, despite your request to cancel this service at our local branch. This oversight resulted in multiple unauthorized withdrawals from your account.
  
  After a comprehensive investigation, easyfinancial have confirmed these errors and are committed to resolving this issue promptly. easyfinancial will refund all the payments incorrectly withdrawn from your account. The cancellation of the CO service has now been fully processed. You can expect to receive the refunded amount within the next 3-5 business days.
  
  easyfinancial apologize for any inconvenience this situation may have caused and appreciate your patience and understanding as we work to ensure this does not happen again in the future.

  Customer Answer

  Date: 03/04/2025

  
  Complaint: ********
  
  I am rejecting this response because: 1), Easy financial services did not comply with my request to reimburse me the amount they deliberately took from my account with the same interest rate that they charge others for a loan, namely : 46.99%. 2). The manager I spoke to on the phone, from the head office, and to whom I explained the situation simply cut me off, shamelessly. And when I tried to call back to continue the conversation, the latter has simply ignored me to this day. 3),This behavior, on the part of Easy Financial Services’s  Manager , denotes a lack of professional awareness and a sense of responsibility that I will not tolerate.
  Sincerely,
  
  ** ****** **********

• Initial Complaint

  Date:20/03/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Exorbitant ainterest rates 40%-49,should be illegal. Customer service is abysmal, you call for one thing and they bounce you between departments Interest rate totals are nowhere on their app making it impossible for consumers to actual see the actual total owed.

  Business Response

  Date: 31/03/2025

  Thank you for the feedback. easyfinancial strives to ensure transparency by providing clear explanations of how the goeasy connect app works.

  We apologize for the absence of the interest amount on the goeasy connect portal. Currently, the interest accumulation feature is not available on the app. However, it’s important to note that the balance displayed online reflects only the principal amount and not the total payout amount. Customers can obtain details regarding their payout and interest by reaching out to customer service through email or the support number.

  For any further questions or concerns, customers can contact the support team at 1-************.

  
  

  Customer Answer

  Date: 03/04/2025

  
  Complaint: ********
  
  I am rejecting this response because:Not an adequate excuse for a company who has had the app for years. Should have had added interest rate on accounts from the start.
  
  Sincerely,
  
  ****** ******

• Initial Complaint

  Date:05/03/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On or about January 23, 2025, an approval was provided to ***** ******* for a loan in the amount of $12,100.00. However, on the same day, the e-transfer for that amount was neither accepted nor deposited as ***** chose to opt out due to urgent medical circumstances involving his mother. Despite this, on or about January 31, 2025, your firm unlawfully withdrew $244.80 from *****'s bank account. Upon discovering this, ***** immediately contacted Nathan (the manager who authorized the loan) via text, notifying him of the unauthorized withdrawal and requesting a reversal. Instead of addressing the issue, Nathan responded with an emoji, failing to acknowledge or rectify the unauthorized transaction. On February 5, 2025, ***** followed up again, explicitly requesting the reversal of the $244.80 charge. This request was completely ignored. Later that same evening, your firm, without *****'s consent, deposited the $12,100.00 into his account. Upon noticing the deposit, ***** promptly repaid the full balance within 24 hours—demonstrating his clear intent to decline the loan from the outset. In closing, I have never received a response. I want all interest paid back + cost for damages (my time - $500.00).

  Business Response

  Date: 12/03/2025

  easyfinancial appreciates the response to the review and looks forward to resolving the matter promptly.
  
  easyfinancial acknowledges that there were multiple attempts to void the loan before the first contractual due date. The resolution department is responsible for handling complaints and inquiries within the company.
  
  It is understood that the customer emailed, called, and messaged ****** ********* to clarify that they were no longer interested in the loan, as they allowed the e-transfer to expire. At the time, easyfinancial withdrew a payment of $244.80 on January 31, 2025, as the company was not aware that the loan was going to be voided. The loan amount was sent to the customer through online banking on February 6, 2025, and the customer returned portions of the amount on different days.
  
  The resolution department has reviewed the loan and clarified that the customer is entitled to $368.36, which will be returned in four separate installments, as the amount the customer had already paid was backdated to close the loan.
  
  Furthermore, easyfinancial aims to correct this mistake and is committed to addressing any further concerns the customer may have.
  
  Thank you,
  Customer Service
  
  

• Initial Complaint

  Date:21/01/2025

  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 am writing to formally address a significant issue regarding the incorrect reporting of my recently opened loan with Easy Financial Services on my credit bureau. I opened a loan during the third week of December 2024, with the first payment due on January 3, 2025. As agreed, I pre-authorized biweekly payments from my bank account, and the initial payment on January 3 was successfully processed without issue. However, when I reviewed my credit bureau at the beginning of January, I was shocked to see this brand-new loan reported as derogatory. This has caused my credit score to drop by 30 points, despite the fact that the account is in good standing. I immediately contacted the EasyFinancial store, and while they confirmed that the loan is in good standing, they could not explain why it is being reported as derogatory. On January 12, I provided proof from ********** showing this error, as requested by the store personnel. Since then, I have received no follow-up or resolution. On January 16, I sent a follow-up email, and on January 17, I called the store again, only to be told a manager would contact me, which has not occurred. In the meantime, I have been forced to open a dispute with **********, which may take over 30 days to resolve. This delay has had significant repercussions for me: my credit score remains severely impacted, and I was declined for a credit card with my existing bank due to this erroneous derogatory report. Having maintained a good credit history with no late payments or derogatory accounts for several years, this situation is deeply distressing and has caused me undue stress and sleepless nights. This mishandling of my credit information is unacceptable. I expect Easy Financial Services to urgently investigate and rectify this error. I request that they credit me 1 biweekly payment as compensation for the time and stress I have endured due to their company’s mistake.

  Business Response

  Date: 27/01/2025

  As discussed, your account is in excellent standing. We have reviewed and confirmed that our reports to the credit bureaus show no delinquencies. Therefore, we have opened a dispute on your behalf to have this matter corrected.
  
  Should you have any questions or concerns, please do not hesitate to contact us at any time at 1-************.

  Customer Answer

  Date: 03/02/2025

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID *******3, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******* *******

• Initial Complaint

  Date:10/01/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have a loan with these folks and having issues. It was supposed to have it where they have the money taken out the 1st of the month. They say that they pull early for holidays by one business day, but December 1st was not a holiday. They then try it again in January after they said things have been fixed and it would go next business day if there was a holiday. I have had 2 nsf charges for this issue and they claim they do not do nsf fees. This is a failure on their part, my file has it very clear when it would be pulled and they pulled early. 45 dollars is one nsf fee so I am 90 dollars short.

  Business Response

  Date: 22/01/2025

  Easyfinancial would like to address your recent concerns regarding the repayment of your loan, and we sincerely regret any confusion surrounding the payment due date.

  At easyfinancial, we strive to ensure clear communication with our customers, and it appears that, during the loan application process, some of the details regarding the payment schedule may not have been fully explained. During this process, our agents review the loan details and ask for the customer’s acknowledgment. If at any point a customer has concerns, easyfinancial encourages them to seek clarification from the agent, and we are always happy to go over the details in more depth.

  To clarify, if a payment is due on a weekend or holiday, the payment will be automatically withdrawn on the business day prior to that date. For example, if your payment is due on a Saturday or Sunday, the payment will be processed on the preceding Friday.

  In cases where a payment is missed or not made when due, a Non-Sufficient Funds (NSF) fee will apply, and the full outstanding principal balance, along with any accrued interest, may become immediately due. The NSF fee, along with the accumulated interest, will be applied before any payment touches the principal balance.

  We understand that in this case, an arrangement to withdraw the payment on the date you requested and waived the NSF fee on our end as a gesture of goodwill. However, as explained above, the terms of the loan remain in place, and we are unable to refund the NSF fee charged by the bank.

  We genuinely hope this explanation clarifies the situation. Please know that we are here to assist you every step of the way. If you have any additional questions or concerns, or if there is anything further we can help you with, please don’t hesitate to reach out to our customer service team at 1-************.

  Thank you for your understanding.

  Customer Answer

  Date: 03/02/2025

  * **** ********* *** * **** ** ** ******* **** **** **** **** ********* ****** **** *** ***** ** **** **** ******* ******** ******* **** 
  
  Please also note Clause 5 where it says they charge $50.00 fee for NSF cheques/ payments. (please note the bank also charges$45.00 NSF fee. so each NSF cheque or payment costs me $95.00.)
  
  Please also note clause 14 mentions governing law.  The Consumers Protection Agency says easy financial can NOT go into my account before the first of every month as per the contract payment due date.  
  
  I will need to send multiple emails for my response to their answer.  Starting with the contract itself.

  As you can see the loan application was made on August 31st 2024. 
  
  I received the funds of $1051.39 from easy financial on September 3rd 2024.  I’m not sure where the $48.61 went.  The loan was for $1100.00.  I will be emailing my September bank statement with all the details not relevant to easy financial whited out as evidence.
  
  On October 1st 2024 easy financial pulled my first payment of $115.18.  I will be emailing my October bank statement with all the details not relevant to easy financial whited out as evidence.
  
  On November 1st 2024 easy financial pulled my second payment of $115.18.  I will be emailing my November bank statement with all the details not relevant to easy financial whited out as evidence.
  
  On November 29th 2024 easy financial tried to pulled my third payment of $115.18 that was not due until December 1st.   
  
  You can see this on my November bank statement with all the details not relevant to easy financial whited out as evidence.
  
  You can also see that item returned NSF also on November 29th 2024 as evidence.
  
  You will also see the banks NSF item fee of $45.00 on December 2nd 2024 for easy financial bouncing the December payment by going into my bank account 2 days early before the payment was even due as evidence.
  
  Please inquire if easy financial also charged me a $50.00 NSF fee from them going into my account 2 days early and bouncing that payment and adding it to my loan balance.
  
  On December 31st 2024 easy financial tried to pulled my fourth payment of $115.18 that was not due until January 1st as evidence.
  
  You can see this on my December bank statement with all the details not relevant to easy financial whited out as evidence.
  
  You can also see that item returned NSF also on December 31st 2024 as evidence.
  
  You will also see the banks NSF item fee of $45.00 on January 2nd 2025 for bouncing the December payment by going into my bank account 1 day early before the payment was even due.  This
  Caused a banking NSF fee of $45.00 on Dec 2nd 2024 left me short $45.00 for the December payment causing me to get that payment  deferred.   I will send deferral document.
  
  Please inquire if easy financial also charged me a $50.00 NSF fee from them going into my account 1 day early and bouncing January payment.
  
  Please note on January 6th, 2025 I went into the Easy Home store where my branch is located and paid the $115.18 with part of my GST money since I was short $45.00 of my payment due to the NSF banking fee from easy financial going into my account before the due date yet again.  Please see this payment on my January statement.  Also please note on January 23rd 2025 I had to pay a $25.00 stop payment fee to put a stop payment on February 1st 2025  payment because it falls on the weekend and easy financial would have gone into my bank account early again causing me another $45.00 NSF banking fee.  I also think they will charge me another $50 NSF  fee attached to my loan balance that I am paying 46 or 47 percent interest on.
  
  All bank statements will be faxed next as evidence to prove what I am saying is true.
  
  I am requesting disclosure of all copies of internal mail regarding my loan and all documents of NSF fees of $50 from easy financial added to my loan balance.

  Customer Answer

  Date: 10/02/2025

  ******** ** ******* ******** **** **** **********
  
  I received my $200 cheque from **** **** and I scrapped together $100 then I took the $300  to pay towards the principal balance of my loan with easy financial.  I did not have my glasses with me as I didn’t think I needed them to make a payment towards the principal amount.
  
  I paid by debit and was asked if I wanted a receipt so I said yes.  The man then said I had to sign the bottom of his copy which I thought was weird.  He said it was because of the two paragraphs on the bottom.
  
  **** **** ********* ** ** ** ******* *** *** **** ** **** ** **** ***** ** ******** **** ***** ******* ******* I was told at the beginning of my application their was no fee or penalty to make additional payments.  And correct my if I’m wrong but I don’t see a few or penalty for additional payments in the loan document.
  
  However if you look at the attached receipt it shows a fee of $50 and it shows -$32.07 interest on my money I’m giving them.
  
  So the $300 I paid them didn’t go to the principal.  In my opinion and from my records this company is illegally taking my money any time they want to and they are probably doing it to all their other clients as well.
  
  *** ******** *********

  Business Response

  Date: 11/02/2025

  easyfinancial would like to address the customer’s concerns regarding the refund of the NSF fee and the repayment of their loan.
  
  Agents at easyfinancial ensured that the loan’s due date aligns with the customer’s pay period, regardless of whether they receive income through employment, AISH, ODSP, or CPP. This process is detailed in the loan agreement on page 2, section 5, which explains that payments are withdrawn on the Friday before the weekend or a day before a holiday.
  
  The loan agreement also includes a loan protection plan, to which the customer subscribed. This plan provides coverage for job loss, sickness, injury, and certain life events related to the loan. For more information about the loan protection plan, please refer to page 10 of the agreement.
  
  Furthermore, the first page of the loan agreement outlines the total repayment obligation, including accumulated interest. Payments made on the loan are first applied to interest, then to any optional services, and finally to the principal balance. Since the loan is open-ended, customers can make additional payments. The application of these payments depends on when they are reflected in the account. Payments are first applied to accumulated interest and then to the principal. If a payment is made on the same day as the scheduled payment frequency, the entire amount will be applied to the principal balance, provided there are no deferrals or missed payments. Any outstanding deferrals or NSF fees must be cleared before payments can be applied to the principal.
  
  In response to the customer’s situation, easyfinancial has removed the NSF fee and adjusted the payment schedule so that payments are withdrawn on the 1st of every month, even if it falls on a weekend or holiday. If the payment did not reflect correctly in the account on the intended date, it may be necessary to contact the bank to resolve the issue.
  
  After reviewing the transaction history, easyfinancial noted the NSF fee waivers and provided the transaction summary to the customer.
  
  As a goodwill gesture, easyfinancial has proposed a refund of $45.00, acknowledging that the customer made up for the payment within 24 hours. easyfinancial understands that this experience was frustrating and had an impact on their finances.
  
  easyfinancial sincerely hopes this resolution demonstrates there commitment to addressing your concerns and improving your experience with easyfinancial. If you have any further questions or require additional assistance, please do not hesitate to contact easyfinancial's customer service team. 
  

  Customer Answer

  Date: 12/02/2025

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

   September bank statement showing loan money deposit

  October bank statement showing first payment pulled October 1st

  November statement showing second payment pulled November 1st

  December statement showing easy financial went into my bank account early on November 29 prior to December 1 payment being due.  It also shows the payment bouncing because they tried to take the payment early and it shows the bank $45 NSF fee because they went into my bank account early.  

  January statement shows easy financial going into my bank account early on  December 31st for January 1st payment.  It also shows the payment bouncing because they went in early prior to Januarys payment being due.  It also shows the banks $45 NSF fee because they bounced the payment going in early.
  

  Stop payment in late January to prevent easy financial from going into to bank account early (January 31st for February 1st payment). You have the receipt that I paid this on February 4th. 

  Please refer to the loan document clauses 1 and 5 and 14.  Please Note Clause 5 is a conflict with Clause 1 and Clause 14 and the governing law!
  
  Clause 1 - Payment Obligation “…The payments are due on each payment due date…”. ( which is the first of each month)
  
  Clause 5 - Making Payments “… We may make exceptions at our sole discretion. If your payment is due on a weekend or holiday, we will withdraw that amount from your bank account on the last business PRIOR to that date (for example if the payment is due on Saturday, we will withdraw the payment from your account on Friday).”
  
  Clause 14 Governing Law “This Agreement is governed by the laws of Canada and the laws of the Province in which you obtained the loan.”
  
  Please note I have spoken to an Agent with the Consumers Protection Ontario (the Governing law of Ontario which is where I obtained my loan) and they have informed me that it is ******* to withdraw a payment prior to its due date. 

  As of today for this loan I have had to pay $90 in NFS fees for easy financial going into my bank account early prior to the first of the month before the money is due AND another $100 in NSF fees to easy financial which are added to the loan and which high interest is being charged.
  
  Plus a $25 stop payment charge to stop them from going into my account early for Februarys payment and easy financial charged me a $50 NSF fee for the stop payment.  Plus $32.07 interest on MY OWN Money I paid to go to principal of loan.  I will also have to pay another $25 stop payment fee in February to stop them from going into my bank a second time in February to try to take Marchs payment early and they will charge another $50 NSF fee by March 2nd or 3rd meaning I will be out $372.07 for this loan from sept til March.
  
  So no I am not satisfied with their response.
  
  *****

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

  Customer Answer

  Date: 13/02/2025

  The rules of Direct Debit state that payments are made on the same day each month, except when this date falls on a weekend or a public holiday, in which case it will be taken the following working day.

  Customer Answer

  Date: 18/02/2025

  Please ask easy financial to provide the following:
  
  A statement/transaction letter for each month showing every transaction on my loan with them.
  
  September 1st  -  September 30th
  
  October 1st. -  October 31st
  
  November 1st. -  November 30th
  
  December 1st. -  December 31st
  
  January 1st. -  January 31st
  
  February 1st. -  February 18th
  
  Please also ask easy financial to provide a copy of ALL internal emails and tickets from September 1st 2024 to February 18th 2025 regarding my Loan with them.
  
  Thank you.
  
  *****

  Business Response

  Date: 18/02/2025

  As previously mentioned, we have conducted a thorough investigation into your loan and can confirm that none of them were fraudulently approved or disbursed. We have diligently provided all requested information and documentation, and a comprehensive review of your file has been completed to ensure no fraudulent activity occurred. 
  
  Please also not that any payment that falls on a holiday or  not  banking date such as  a Saturday or  Sunday will result in the  payment  being  pulled the business day before hand.  For example December  1, 2024 fell on a  Sunday and there for was pulled  on the business day before hand.  This is stated under Teams  and Conditions  section 5  or  your loan contact. 
  
  However, if you still believe that your account may involve fraudulent activity, or if you feel you have been treated unfairly ,  we are still fully committed to working with you and any legal representation you choose. Our goal is to address your concerns and clarify any misunderstandings regarding the loans and their processing.
  
  Regards, 

  Customer Answer

  Date: 26/02/2025

  Nothing has been resolved as of yet.
  
  Please note I have made 2 requests for 
  all copies internal mail/email regarding my loan.  One on January 31st (last paragraph) and one again on February 18th (last paragraph).  
  
  I have still not been provided with the above information so I am asking for a third time as of today for a copy of all internal mail/email regarding my loan account.
  
  Thank you.
  
  Respectfully,
  
  *****

  Customer Answer

  Date: 03/03/2025

  Five updates.
  
  1.  Please re read my December deferral due to easy financial going into my bank account twice in November (November 1st and November 29th).  The November 29th they went in early to try to take my December 1st payment.  This resulted in a bank NSF fee of $45 leaving me short $45 for the December payment.  Hence the deferral.  Please read the 2nd sentence in the 1st paragraph where it says the next withdrawal date is 01/01/2025.  Yet they again went in early on December 31st even thou our agreement on the deferral was 01/01/2025.
  
  Also look at the loan agreement it is a monthly payment one payment per month yet they are going into my bank account 2 times a month in November, December, January and February.
  
  2.  They are not reporting my payments to ***** ***** credit bureau making my balance look higher then it is and bouncing my payments by going into my bank account early and more then once in a 30 day period.  I have filed a complaint against them as of today with ***** ***** credit bureau.
  
  3.  I have been trying to resolve matters with easy financial aka goeasy Ltd since early December and matters are still not resolved so I filed a complaint with the ombudsman today as well.
  
  4.  They went into my bank account early again trying to get Marchs payment early as of February 28th.  Going into my bank account again twice in less then 30 days.
  
  5. Just to let you know I apparently received a $45 NSF banking fee payment for easy financial sometime late yesterday.  They are other fees they owe me so this matter is still not resolved.
  
  FYI the next 2 payments will come out on time as they cannot go in early for them.
  
  Respectfully, 
  
  ***** *******

  Business Response

  Date: 03/03/2025

  Easyfinancial appreciates the response to the review and looks forward to promptly addressing the solution.
  
  At Easyfinancial, the company strives to ensure clear communication with customers, and it appears that, during the loan application process, some details regarding the payment schedule may not have been fully explained.
  
  To recap, Easyfinancial has removed the NSF fee and adjusted the payment schedule so that payments are withdrawn on the 1st of each month, even if the date falls on a weekend or holiday. To confirm, easyfinancial has removed the NSF fee customer received on December 3 2024, Jan 3 2025 and February 5, 202 and adjusted the payment schedule to ensure that if a payment date falls on a weekend or a holiday, the payment will be withdrawn on the business day as per customer's request. The payment on March 1 was successfully withdrawn from the customer's bank account on the due date. However, the customer also made an additional payment of $450.00 on February 28 at a branch, consisting of two payments: $400.00 and $50.00. These extra payments do not align with the due date for the preauthorized payment.
  
  Additionally, the company has informed the customer that the due date can be changed to a later date for added security, helping to avoid any issues moving forward. The loan modification form was sent to the customer for review and action, but it has not yet been completed.
  
  Furthermore, Easyfinancial has sent the post-transaction history from August 31, 2024, to February 12, 2025, and also included the email thread dated February 19, 2025, for the customer’s reference.
  
  Regarding the customer's request for clarification about the clause not conflicting with Ontario's law, it can be confirmed by easyfinancial that the company is compliant with all required laws and the details regarding payment dates and schedules is disclosed in full in the loan agreement and was consented by the customer at the time of funding. 
  
  The $45 refund was issued via direct deposit on February 26, 2025. Please note that direct deposit typically takes 3-5 business days to process. easyfinancial considers this matter resolved

  Customer Answer

  Date: 07/03/2025

  The business response from easy financial aka goeasy Ltd is NOT  satisfactory regarding my bbb complaint filed Jan 10, 2025.
  
  They have not returned the NSF fees, nowhere on my balance does it show a $200 decrease for the (4) $50 NSF fees. It doesn’t show any decrease amount for any of the 4 $50 NSF fees! They only claim to have waived them. But their own records do NOT show any NSF fee returns reducing the balance.
  
  They admit to charging NSF fees on December 3 2024, Jan 3 2025 and February 5, 2025 BUT you can see by Decembers Deferral Agreement Decembers payment was deferred so there shouldn’t have been an NSF fee for December!! And Januarys bank statement shows Januarys payment was made on or around January 6th so there shouldn’t have been an NSF fee for January!! And there is a receipt from the branch showing Februarys payment was also made on or around February 4th so there shouldn’t have been an NSF fee for February!! And then they had the nerve to charge me another (NSF) Fee of $50 for a second time on or around February 7th when I made an extra payment to go to the principal amount. As you can see by the receipt they printed they took another $50 fee from my $300 payment I made. As you can see by the recent payment history they also took $32.07 of that extra $300 payment I made to the principal for interest. They charged me interest on my own money I was paying them as an extra payment. Please note they also took $22.31 from another extra $400 payment I made to go to the principal for interest. Again they are charging me interest on my own money I was paying them as an extra payment. (As I’m am trying to get away from this horrible company and end this nightmare.). However they did not take any interest of my extra $50 payment. I have made 3 additional payments ($300, $400, and $50) trying to end this nightmare with easy financial who I will never ever ever deal with again!!
  
  Please look at my balances on the transaction history, nowhere do you see them refunding any $50 NSF fees any certainly not the 3 NSF fees they said they charged me on December 3rd, January 3rd and February 5th. Plus the 4th NSF fee they took off my $300 extra payment that was to go to the principal. Please note Decembers payment was deferred, Januarys payment was made on or around January 6th and Februarys payment was made on or around February 4th. Please note they charged me 2 NSF fees in February ( one on February 5th and again February 7th. Even though I paid February payment on February 4th BEFORE both NSF payments they charged me in February!!
  
  As for my bank charging  2 NSF charges caused by easy financial going into my account early in November for Decembers payment and the other was caused by easy financial going into my account early in December for Januarys payment even though we had a separate legal agreement (the December deferral which they wrote the next payment would be withdrawn 01/01/2025. Which they breached when they again went into my bank account early on December 31st, 2024 instead of 01/01/2025 as agreed!! I received one of the $45 banking NSF fees but I have NOT received the second $45 banking fee from them going into my bank account early a second time on December when our Deferral says January 1st. I also have not received my $25 banking fee for having to put a stop payment on to prevent easy financial from going into my bank early again on January 31st for my February payment.
  
  They also have not reported my payments to ***** ***** credit where it shows my balance at $1044.00 when it is hundreds lower then that and is negatively effecting my credit score.
  
  Please note I have filed a complaint/dispute with ***** ***** Credit Bureau and because  my  complaint with the BBB is still unresolved I have also filed a complaint with the FSRA.
  
  I have also cancelled my insurance protection on this loan so they owe me the difference from what they took for a whole month instead of a few days.
  
  Respectfully,
  
  ***** *******

  Business Response

  Date: 12/03/2025

  easyfinancial issued a refund of $45.00 for an NSF fee to the customer's bank account on February 26 through online banking. The refund is expected to take 3-5 business days to process. Regarding the removal of NSF fees on the customer's loan, the following actions were taken:

  November 29, 2024: NSF fee was removed on December 3, 2024
  December 31, 2024: NSF fee was removed on January 3, 2025
  March 1, 2025: NSF fee was removed on March 12, 2025

  When a deferral is applied to a delinquent account, it is applied to the previous payment that was reversed to bring the account current. However, an NSF fee will still be applied if the contractual payment due hasn't cleared.

  Based on the conversation between the customer and the agent, the customer placed a stop payment on their bank account. As a result, the payment withdrawn on February 1 was reversed, and an additional NSF fee was charged on February 5. This occurred because easyfinancial could not determine whether the payment would clear, which was due to the customer's action.

  Payments made toward the loan are applied as follows: daily interest is added to the balance, and when a payment is withdrawn, it first goes toward the accumulated interest, with the remaining amount applied to the principal balance.

  Making an extra payment can help improve the customer's credit, reduce daily interest, and lower the principal. Depending on when the payment reflects in the account, it will clear the interest first, and the remaining amount will be applied to the principal. However, if a payment is made on the same day as the contractual due date, the entire payment will go toward the principal balance.

  A ticket has been created to correct the customer's Credit Bureau report and ensure that the payments are applied on the correct dates.

  We value your understanding and cooperation and are here to support you in resolving these matters. If you have any further questions or need assistance, please don’t hesitate to contact us.
  
  Sincerely,

  Customer Service

  Customer Answer

  Date: 19/03/2025

  
  Hi ******** ******* ******* ******* ***** ******* ****** ********* *** **** *** ***** *******
  
  The response from the business is NOT satisfactory.  
  
  Please note I am filing a complaint with Consumer Protection Ontario.
  
  Please also note I have been trying to resolve issues with easy financial aka goeasy Ltd since the beginning  of December 2024 when they went into my bank account for a second time on November 29th 2024 which was BEFORE the due date of December 1st and as a result they bounced the December payment causing the first NSF banking fee of $45 on December 2nd 2024.  
  
  If this complaint with the BBB filed January 10th 2025 remains unresolved as of March 27, 2025, after exhausting all other options, you will leave me no choice but to bring this matter to Court for breaching various contracts, rules of the Canadian Payment Association, Canadian Rules of Direct Debt and my Authorization (PAD) causing me numerous fees and breaking Canadian Banking Rules.  
  
  Please note I will be seeking monies (fees) charged to me due to these breaches as well as legal fees and Court costs.  This complaint will remain open until the Courts make their decisions on all issues and monies owed as well as Clause 5 which conflicts with the terms of the loan agreement, my Authorization (PAD) and Canadian banking rules.
  
  Please also note I have cancelled my PAD and authorization for easy financial to withdraw any more money from my bank account.  My payment obligation is the 1st of every month a monthly payment.
  
  On or around November 29, 2024 Easy Financial did breach the following;
  
  Breached one of the main terms of the loan agreement being a MONTHLY payment on this loan by going into my account twice in one month on or around November 1st and again on or around November 29th.  (As you can see by my bank statement). They also Breached the first clause of the Loan agreement being Payment Obligations (being the first of the month).
  
  They also Breached the Authorization Agreement (PAD) where they were authorized to go into my bank account for $115.18 MONTHLY.  MONTHLY being once a month NOT twice in one month.  Going into my bank account twice in one month cause the second attempt on November 29th to bounce that payment (for December) to which my bank charged a $45 NSF fee.   Easy Financial charged a $50 NSF fee (which was added to the principal/balance).
  
  They also broke the Canadian Bank Rule of direct debt which states direct debt is withdrawn on the next business day AFTER a weekend and/or a holiday. NOT before.
  
  They also broke the Rules of the Canadian Payments Association who have established rules to make sure that PADs are properly authorized and protect against improper withdrawals.
  
  Please Note I recently  received $45 from easy financial for this $45 banking fee.  However I did NOT receive, nor did the balance of the loan/principal go down said $50 NSF fee from easy financial and therefore the $50 NSF from easy financial is still outstanding. ($50)
  
  On or around December 31, 2024 Easy Financial did breached the following;
  
  Breached the Deferral Agreement which states the next withdrawal would be 01/01/2025 which is January 1st, 2025.  Yet easy financial went into my bank account early on December 31st, 2024.  Going into my account early (December 31st, 2024) when we agreed in the Deferral the next withdrawal would be 01/01/2025 caused January’s payment to bounce and my bank charged another $45 NSF fee leaving me $45 short to make January’s payment and making me have to wait until my GST money came in in order to make up the $45 shortage from the banks $45 NSF fee.  
  
  Once I received my GST money, I took $45 from that and added to the rest of my loan payment. Then on or around January 6th (you can see by my January bank statement) I went in to see ****** at the branch and I paid my January payment in full. ($115.18).  Easy Financial also charged me another $50 NSF fee (which was added to the principal/balance).  
  
  They also broke the Canadian Bank Rule which states direct debt is withdrawn on the next business day AFTER a weekend or a holiday. NOT before.
  
  They also broke the Rules of the Canadian Payments Association who have established rules to make sure that PADs are properly authorized and protect against improper withdrawals.
  
  Please Note I did NOT receive this  $45 banking fee from easy financial.  I also  did NOT receive the $50 NSF fee from easy financial nor did the balance of the loan/principal go down said $50 NSF fee from easy financial and therefore both the $45 banking fee and the $50 NSF from easy financial are still outstanding. ($95)
  
  On or around January 31, 2025 Easy Financial did breached the following;
  
  They Breached the terms of the loan agreement being a MONTHLY payment loan by going into my bank account on (January 31st) after I had already made the January monthly payment on or around January 6th 2025.  Going into my account after the January payment was made (on January 6th) on January 31st is trying to get two payments in one month.   They also Breached the first clause of the Loan agreement being Payment Obligations (being the first of the month).
  
  Since I believed easy financial would again breach the monthly payment term and go into my account early, I put a stop payment on my bank account to help mitigate damages and fees from both the bank and easy financial.  It cost me $25 for the stop payment instead of a $45 banking NSF fee.  
  
  However, easy financial still charged me a $50 NSF fee on February 5th AFTER I had made Februarys payment on February 4th a day prior to their $50 NSF fee.
  
  Easy Financial also charged me a second “fee” of $50 on or around February 7th 3 days after I had made my February payment. 
  
  They also broke the Canadian Bank Rule which states direct debt is withdrawn on the next business day AFTER a weekend or a holiday. NOT before.
  
  They also broke the Rules of the Canadian Payments Association who have established rules to make sure that PADs are properly authorized and protect against improper withdrawals.
  
  Please Note I did NOT receive the  $25 banking stop payment fee from easy financial.  I also  did NOT receive the 2 $50 NSF fees from easy financial nor did the balance of the loan/principal go down said $100 NSF fees from easy financial and therefore both the $25 banking stop payment fee and the $100 NSF fees (2 $50  NSF fees charged for February) from easy financial are still outstanding. ($125)
  
  Please also note easy financial charged me an extra interest charge on or around February 7 in the amount of $32.07  for interest in the month of February on the same money/loan.  I have asked for an explanation  as to why the interest in February is so high and easy financial has failed to provide an answer.  If you go thru all the interest payments there seems to be a second over charge on interest between January 4th and February 4th.  I am still waiting for easy financial to explain this.
  
  Please Note easy financial also charged me $43.62 for insurance for the entire month of March when my insurance was cancelled as of March 4th, 2025.
  
  Please also note I have also cancelled my authorization and PAD so easy financial no longer has permission and or authorization to go into my bank account and take money to stop any further improper withdrawals.

  Respectfully,
  
  ***** *******

  Business Response

  Date: 26/03/2025

  easyfinancial strives to maintain transparency with its customers; however, during the loan processing, certain details were not fully explained, which led to some miscommunication.
  
  To clarify, easyfinancial has removed the NSF fees and confirmed that the preauthorized payments, as requested by the customer, have been turned off.
  
  The NSF fees were removed as follows:
  
  The NSF fee originally charged on November 29, 2024, was removed on December 3, 2024.
  
  The NSF fee originally charged on December 31, 2024, was removed on January 3, 2025.
  
  The NSF fee originally charged on February 1, 2025, was removed on March 25, 2025.
  
  The NSF fee originally charged on March 1, 2025, was removed on March 12, 2025.
  
  Unfortunately, this misunderstanding led the customer to issue a stop payment through their bank, which resulted in the reversal of the payment withdrawn on February 1, 2025. This caused an NSF fee from easyfinancial, which was removed prior to the information listed above.
  
  In an effort to prevent further issues, an easyfinancial agent explained to the customer that the due date could be adjusted to a later date for added security. A loan modification form was sent to the customer for review and action, but it has not yet been completed.
  
  Additionally, the first page of the loan agreement clearly outlines the total repayment obligation, including accumulated interest. Payments made toward the loan are first applied to interest, then to any optional services, and finally to the principal balance. Since the loan is open-ended, customers have the option to make additional payments, and the application of those payments depends on when they are reflected in the account. Payments are first applied to accumulated interest and then to the principal balance. If a payment is made on the same day as the scheduled payment frequency, the entire amount will be applied to the principal balance, provided there are no deferrals or missed payments. Any outstanding deferrals or NSF fees must be cleared before payments can be applied to the principal.
  
  Regarding the customer's inquiry about whether the loan agreement complies with Ontario's laws, easyfinancial confirms that the company is fully compliant with all applicable laws for financial institutions. The details regarding payment dates and schedules are disclosed in full in the loan agreement and were discussed with the customer at the time of funding.

  Customer Answer

  Date: 01/04/2025

  The latest/last response from easy financial/go easy is NOT satisfactory.
  
  I would like to point out a few things.  First of all they do not acknowledge all of their contract agreements.  (Authorization (PAD), Deferral, Loan Agreement).  
  
  Second, they refuse to explain why Februarys interest is so much higher than Januarys interest.  
  
  Third they fail to acknowledge they took money from my payment and applied to the full month of insurance for the month of March when the insurance was cancelled on the 4th of March.
  
  Fourth, they are falsely claiming a naff on 12/03/2025.  It even says wrong date.  First notice it is the same information as 12/03/24.  Then look back at ******’s email of February 19th when she provided me with the post transaction history.  At the top you will see the post of 12/03/2025. How is it possible to have a post in February for March and how was a March transaction reversed in January?? (01/26/25). 
  
  As four the other 3 nsfv how is there 2 +$50.00 and 3 -$50.00 so NSF fee was not waived which is why the balance always stays the same.  If $50 was really reversed then the balance would have gone down $50 each time and it NEVER went down.
  
  Fifth they are explaining how interest is taken off for month payments.  They failed to mention Clause 2 of the Loan Agreement which says “Interest on the Principal is calculated daily AND is payable according to the type of payment frequency chosen by you.”  Mine is a monthly payment so interest is due monthly, not for extra payments!!
  
  Lastly they failed to mention Clause 7 which says “Failure to make payment - if payment is not made WHEN DUE, you must pay an NSF fee.  My payments are due on the 1st of every month.
  
  I also filed the complaint with Consumers Protection Ontario as I said I would.
  
  Respectfully,
  
  ***** *******

   

  I forgot to mention add up all the principal payments I have made and subtract that total from my principal loan $1,100.00 you will see my real balance is $251.27 not the $306.29 they are claiming.  (Difference of $49.02 )
  
  They have taken extra interest money from payments that should have gone to principal.  (Over $60.)
  
  You also have the receipt of them taking $50 from my $300 payment for no reason.
  
  They won’t explain the $71 interest charge in February when January was only $26.
  
  They have taking approximately an extra $39 for Marchs insurance that they have not returned to me. 
  
  Respectfully, 
  
  ***** *******

  Business Response

  Date: 03/04/2025

  easyfinancial acknowledges the Authorization (PAD), deferral, and loan agreement. On page 2, section 5, it is stated that payments will be withdrawn on the Friday before the weekend or a day before a holiday. Additionally, the PAD form, which outlines the loan repayment details, can be found on pages 5 and 6. The purpose of applying a deferral on a loan is to keep the account up to date when a payment reverses from the bank, which then results in a reversal on easyfinancial end.
  
  Due to the customer placing a stop payment with their bank, the February and March payments were reversed. When a payment is reversed, the interest, insurance, and principal balance remain the same; however, a Non-Sufficient Funds (NSF) fee is added to the loan. While the account becomes delinquent, the customer continues to accumulate daily interest. When the next payment is withdrawn, it is applied first to the NSF fee, then to the interest, and to the Loan Protection Plan (LPP). The principal balance is not affected until the backdated interest and LPP are fully paid. Even though the customer canceled the LPP after the payment reversal, they are still responsible for paying for the backdated services and interest.
  
  The payment withdrawn on November 29 was reversed. At that time, the per diem rate was $1.34, which was added to the balance each day, accumulating a total of $37.59 in interest. Insurance charges amounting to $43.62 were then deducted, leaving $33.97 to go toward the principal from the payment amount of $115.18. As a result, the customer is required to cover the NSF fee of $50.00, along with the interest, insurance from the previous payment, and the current interest and insurance charges. 
  
  The NSF fee for the $300.00 payment was reversed, and the payout amount was adjusted accordingly.
  
  Additionally, the first page of the loan agreement clearly outlines the total repayment obligation, including accumulated interest. Payments made toward the loan are first applied to interest, then to any optional services, and finally to the principal balance. As the loan is open-ended, customers can make additional payments, and these payments are applied based on when they are reflected in the account. Payments made on the same day as the scheduled payment frequency are applied entirely to the principal balance, provided there are no deferrals or missed payments. Any outstanding deferrals or NSF fees must be cleared before payments can be applied to the principal balance.
  
  easyfinancial genuinely hope this explanation clarifies the situation. Please know that we are here to assist you every step of the way. If you have any additional questions or concerns, or if there is anything further we can help you with, please don’t hesitate to reach out to our customer service team at 1-************.
  

• Initial Complaint

  Date:06/01/2025

  Type:Sales and Advertising 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.

  The first loan I got back in November already I was tricked into almost signing a contract to have loan protection and credit optimizer put on my loan. I had to fight phone head office to have it removed. I got a call a few weeks later from a lady at easy financial and the first words out of her mouth were... I can offer you another loan or increase on your loan with absolutely no credit check at all. I declined at that time and that was fine. I got a call back on December 13th from another gentleman at the same branch and the first words out of his mouth were.. I can offer you an increase on your loan with absolutely no credit check. I went over this numerous times with him and I stressed the fact that if it is going to involve a credit check I do not want it. I was told and reassured there is zero credit check. They will not ding my credit score again for a second time. I find out later on that the branch does not record their calls. *** ********* ** *****. I have made multiple calls to the head office and nobody seems to want to do anything because the gentleman is ***** to his supervisor and stating he advised me there would be a credit check which is false.! He also tried to **** me into taking the employment insurance for $100 a month on 16-month term plus the credit optimizer which I made it clear before he made up the contract. I do not want that on there. He then proceeded to put it in. Big letters declined and try to trick me into signing it showing me is the client and when you read the small print it says decline for credit optimizer. Then he continued to *** to me and tell me that it's mandatory that I take this employment insurance for at least 90 days and then he could remove it which is absolutely false. I would like to hear from someone higher up in this company that will go and fix my credit score. I am tired of being **** to over and over and nobody wants to do a single thing about it.

  Business Response

  Date: 10/01/2025

  We appreciate the opportunity to address the customer’s concerns and sincerely thank them for bringing this matter to our attention.

  At easyfinancial, we are committed to providing clear and transparent communication in all our interactions. We understand that the customer has since spoken with a member of our Resolutions Team, and the issue has been resolved. Once the branch staff became aware of the miscommunication, immediate action was taken to remove the inquiry from the customer’s credit file.
  We deeply regret any frustration or inconvenience the customer experienced during this process and take their feedback seriously as we strive to improve our services.
  We are grateful to the customer for bringing this matter to light and allowing us the opportunity to address it.

  Customer Answer

  Date: 11/01/2025

  
  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

  Date:22/11/2024

  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 sent an e-mail to someone from Easy Financial and never heard back. I guess it is an unmonitored inbox. I don’t have the patience to get on the phone as I’m at work. This is the only feasible way. Not only am I getting ****** on interest, but now a derogatory is marked on my credit which is an R7 and I want to personally thank these guys for ruining my life , again. You guys were part of the reason I went through consolidated credit , then I was stupid enough to come back again . I definitely won’t be after this. * ****** **** ** **** *****. I e-mailed about payout as soon as my funds from my rsp are clear, I am getting rid of this account under the condition to please remove that derogatory mark. I did not miss a payment and was not made aware. There is no letter or e-mail stating so. ****** ** ******** **** ** ******* *** **** ********* ** **** ** ** *** ******* ****** ****** *** *** ********** *****. There also have been no phone calls on my cell or work phone. I also checked app and there is no missed payment. I guess that doesn't record that, which was a waste of my time. It is because of you guys I couldn’t get over draft, or even a bank loan, now I have to take out of my rsp. Oh well! I would have never came back if I wasn’t desperate, which got me into trouble anyway .A so called friend needed help and I helped so this should be friends bill. Not only am I out of money but now my credit sucks! Fix my credit report and I will gladly pay you in full because this is ridiculous. ** ****** **** *** ******** *** ********* 

  Customer Answer

  Date: 25/11/2024

  ****** *** ***** *********** ** I paid them today less the amount they’re going to withdraw as pre authorized debit . **** *** ***** **** . 
  
  I still need that derogatory removed from my credit as I don’t know why they did that . It makes no sense to me and the past is the past .  I still have no record of nsf , and I sent that letter from Consolidated Credit for this loan . My profile was not marked  before to my knowledge before and why now ?? If I knew that was going to happen  , I would have declined the approval. 
  
  I learned my lesson about the not paying a loan to term .  The only reason why I was there anyway was for my partner at the time and then had to go through consolidated credit .
  
  This time I panicked thanks to a so called friend but I can rest assure , I will never again help anyone. 
  
  The first time was different or so I thought.  Because , this so called friend is a social worker ……. Profession means nothing and to be more honest I fed her and her daughter , paid for car repair and lights because they were cut and cold .  In total was over $5000 and I got back so far less than $500 .  You’d think 20 plus years would mean something as friends but nope  . Painful lesson but my life is painful anyway. 
  
  It’s no point for me to go to ********** and it’s no point for court as I’m not getting a lawyer .  Lol 
  
  I know so far I paid over $1000 interest and that is not good enough either. However , that is the least of my worries right now. 
  
  Lesson learned about returning as a customer as well.  If I am ever stupid again , I rather be dead to be honest .  The stress this news has caused , is unbelievable. Seeing my score today , made me so mad because I worked so hard to almost hit 700 . Now it’s like what , 587…..  
  
  I guess I can kiss a possible mortgage good bye . I should have went for it when I was pre-approved over a year ago and between the 6-7 year mark of that consolidated credit mistake . 
  
  I’ve already felt ****** about my life, but this broke me ……
  
  I would appreciate help. I am sorry that I am upset .
  
  How would you feel if this happened to you ?  
  
  If someone can pull a Christmas Miracle , please do so . I don’t know what I did to ever deserve this …. Consequence of being a good person . I hope Karma goes after those who did me wrong but it seems karma strikes me ….. Especially with this …..
  
  Thanks 
  

  Business Response

  Date: 29/11/2024

  easyfinancial wishes to express gratitude to ******** for collaborating with customer service to resolve the issue. easyfinancial apologizes for any discrepancies that may have appeared on the credit report and has taken measures to remove the derogatory flag on the loan. The reason for the derogatory flag was due to a loan from 2013 that was paid out through credit counseling, which caused the error on the report. The easyfinancial credit bureau team is actively working with ********** to correct the status. Once the information is updated, the customer should notice the change within 30-45 business days. If the discrepancy persists after 30-45 business days, the customer is encouraged to contact the easyfinancial customer service team at 1-************, available Monday to Friday from 8 am to 8 pm and Saturday to Sunday from 10 am to 6:30 pm EST.

  Customer Answer

  Date: 29/11/2024

  
  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. Thank you to you all . 
  
  Sincerely,
  
  ******** ******

• Initial Complaint

  Date:18/11/2024

  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 had a loan with Easyfinancial that was paid and processed on September 9th. I called to verify it was paid in full and they said there was some interest owing which would come out on my next withdrawal date. Nothing was taken out until October 31st. They took the normal payment of $258. Then on Nov 14th. They took another payment for $258. So now I am paying for interest on interest charges. They should of taken the payment in September and not the end of October when their interest rate is $12.24 a day. This was not my error and I would like these payments stopped as the loan was paid in full from ** ****** ***** and reimbursed for the 2 payments taken after it was paid.

  Business Response

  Date: 21/11/2024

  easyfinancial appreciates the opportunity to address the customer's concerns. We experienced a systematic error that prevented the payment from being withdrawn on the scheduled date. As a result of this error, easyfinancial will address the matter by backdating one of the payments that was withdrawn and issuing a full refund for the second payment. Additionally, we will update the credit bureau to reflect that the account has been paid in full. There is currently an ongoing discussion with the customer and a resolution Agent with getting the issue resolved.  

  Customer Answer

  Date: 21/11/2024

  
  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:

  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 received several emails that I've been approved for an extension loan without no credit check inquiry and a reduced APR. Before I accepted this offer I specifically asked if there is no credit check inquiry and I was told that there is none because this is an internal offer from an existing loan. Few days after the deal was done I got a notification that on Sep 12 I had a credit check inquiry from Easyfinancial (Goeasy LTD). I called the branch to remove it but they are refusing to communicate.

  Business Response

  Date: 19/11/2024

  Clarification Regarding Credit Check Process
  
  Dear ****** *********,
  
  I understand your concerns regarding the credit check performed on your credit report. Please note that the initial offer is not based on a full credit check, but rather a soft inquiry, which provides us with an overview of your credit report. However, once you accept the loan offer, you must consent to a hard credit check. By accepting the loan, you provided your consent for this hard check, which was then performed in accordance with your approval. Since you accepted the offer, consented to the loan,  and accepted the increase we  will not be able to remove the  credit check at this time.
  
  I apologize for any confusion or misunderstanding regarding the loan increase that was offered to you.
  
  Kind regards,
  
  Easy Financial
  

• Initial Complaint

  Date:07/11/2024

  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 applied for a loan a while ago from easy financial! I was paying and I had insurance on my loan! I fell ill and had to stop working and as a result I am on Ei! I informed easy financial that I am going back to work and can pay in January I am being harassed beyond measure since September I even gave several documents and proof and my insurance form signed by my doctor and they aren't accepting it! They call on holidays they call on weekends, they even argued on the phone with me telling me they were going to get me fired from my job, they told me ask my friends and family yo borrow money and I told them I did my part I have insurance and can pay in January now they are calling and hanging up 6 times a day! This is wild that it's ok

  Business Response

  Date: 15/11/2024

  Easyfinancial is taking the opportunity to address the customer’s concerns and provide clarifications regarding their account.
  After full review of the customer’s account, we can confirm that a claim was filed with ******** due to the customer's medical leave. However, the submitted claim lacked certain required information. Both our branch and ******** have made efforts to communicate the requirement for additional documentation from the customer's physician; however, we have yet to receive a response.
  Easyfinancial has made several attempts to contact the customer, unfortunately without success. Consequently, as the account is currently in arrears, collection activities will proceed in accordance with the contractual agreement. The customer has been informed that their claim will be reopened upon reception of the necessary information from their physician. We strongly encourage the customer to engage with our team to make necessary arrangements and ensure all follow-up actions are conducted in a timely manner. Thank you