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Business Profile

Collections Agencies

C3 Canada

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Complaints

This profile includes complaints for C3 Canada's headquarters and its corporate-owned locations. To view all corporate locations, see

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C3 Canada has 2 locations, listed below.

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    • C3 Canada

      205 - 3200 Dufferin St North York, ON M6A 3B2

    • C3 Canada

      403 - 3500 Dufferin St North York, ON M3K 1N2

    Customer Complaints Summary

    • 32 total complaints in the last 3 years.
    • 17 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:06/04/2025

      Type:Billing Issues
      Status:
      Answered
      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 my credit report and on it was this company saying I have $191 unpaid bill. I have no outstanding or unpaid bills under my name nor have I missed any. I have not been able to contact them or have i received email or call relating to a missed payment of any kind. I ******* **** ** ** ********** *** would like this corrected ** **** *** **** ********** **** ** ** ****** *** ********* ** ******* ***** *** *** **** **** * **** *********

      Business Response

      Date: 11/04/2025

      Hello Mr. ********,

      Please be advised there was an account placed in collections for the City of Ottawa for an unpaid fine. The account was sent back as it remained unpaid. 

      I have removed this from your ********** credit bureau. It may take up to 14 days for that to reflect, and possibly longer on 3rd party apps such as ****** *****. 

       

      Thank you, Pasquina

    • Initial Complaint

      Date:02/04/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      They are doing collection for ***** ****** closed un paid accounts. Hydro reported some accounts which are not even mine for collection. With out even calling, texting or sending a letter to me they reported on my credit file and ruining my personal credit file. **** ** *** ****** ******* **** ********** ********** 

      Business Response

      Date: 24/04/2024

      Mr. *******   

      It was explained to you by our client, ***** ****** that based on you owning the properties where the utilities bills had originated from and your participation in the Landlord Reversion program that the accounts sent to our office for collection were legitimate.  
      We had sent notice to you on all accounts immediately once they sent to our office. After the 7-day holding period, we began reaching out to you on your phone number. We spoke to you directly on 11/29/2023 and advised you of the accounts in our office.  This would have been prior to any credit bureau implications. 

      Regardless of the legitimacy of that accounts owing in your name, ***** ****** has requested that we remove the collection items from your personal credit report and change the names of all accounts to reflect your business name.  We have completed this and removed the 3 collection items you have referenced as of 04/05/2024. 
      This process takes 10 business day to reflect on your end.  If you are checking from ****** ***** or ********* it takes longer to update.

      Mark H*** |  Operations Manager
      C3 Canada

      Customer Answer

      Date: 24/04/2024


      Complaint: ********

      I am rejecting this response because: *** ********** ****** **** ** ****** *** ********** ** **** *** *** *********** Neither they ever call me or wrote any letter to me for collection. They posted on my credit file and when I called them they hung up the phone on me many times. Also I wrote them over 20 emails to their operations manager and president and they did not respond at all. * **** **** **** * ****** ********* ******* **** ** ******* **** ** ***** 

      Sincerely,

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

      Business Response

      Date: 01/05/2024

      Mr ******* 

      ** *** *** **** *** ******** ********** Letters were sent on account sent to our office under your name.
      You spoke with multiple agents from our office who referred you to contact our client, which you did.
      The client then requested we remove from your credit report.  This was done and you were made aware of this.

      Regards 

      Mark H*** |  Operations Manager

      C3 Canada
      ******* ********* *** | Toronto ON *** ***
      |

       

      Customer Answer

      Date: 09/05/2024


      Complaint: ********

      I am rejecting this response because: *** **** ** **** ** ** *** ******* *** ********* *********** I even send 2 dozen emails to you and your president but did not receive a reply 

      you have ruin my personal credit and not even one single phone call or letter you send. *** *** *** *** *** ** *** ***** * **** **** * ****** ********* **** **** ** ******* 

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

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

      I called 2 dozen times to your company *** **** ************ ** ********** staff ** **** **** ******** *** hang up the phone. **** *** **** ******* ***** ** ** *****

      I pay all bills when due or before but I do not pay bills which are not mine. I have all documented 

      Sincerely,

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

    • Initial Complaint

      Date:11/12/2023

      Type:Billing Issues
      Status:
      Answered
      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.
      Credit agency contacted about a debt I was unaware of. I asked them for proof of the debt to verify. Said they would have it in 24-48hrs. No proof. They call about 10 days later asking for payment. I again ask for proof of the debt and am told they don’t have it and I’ll have to just pay it or they will post it on my credit report. I pointed out they can’t because I’ve asked for proof of this debt and for all I know they aren’t even a legitimate company and this isn’t a legitimate debt. I was transferred to a manager who I once again asked for proof of the debt and was told they didn’t have proof. I told the manager that in that case they couldn’t do anything until they proved the debt. He agreed and told me that he would be placing the file on hold until they could get proof to me. I still haven’t received any correspondence with proof. Today I checked my credit report and they have added it to my credit report. This company has not verified or proven this debt to me as required by law, and as such needs to remove the collection notice off my credit file.

      Business Response

      Date: 11/12/2023

      Hi ********,

      The client had advised to use the online portal to obtain proof of debt. 

      Please review and we will have one of our agents call you back with next steps.

      We are also investigating any gaps in our process with your concerns of the credit hit. 

      Thanks 

       

      Customer Answer

      Date: 11/12/2023


      Complaint: ********

      I am rejecting this response because:

      This is not an accurate response. You suggested i could contact ***** ****** as you did not have a copy of the debt to verify the debt, but under the law, when requested you must verify the debt, which you did not and to date have been unable to do so. ***** ****** has also confirmed they do not have a record of working with you and the period in question was during their labour disruptions when many people did not receive bills, including myself. 

      Further to the conversation we had earlier this evening, and to which your manager agreed, your company had made a mistake in reporting to the credit agencies. I wish to have it in writing that you will be removing the report you placed on my credit file from all credit reporting agencies. and that you will be training your agents on the law surrounding reporting practices, as their current practice is both inaccurate and predatory in nature, **** ** ***** *** ******* ***** **** ********* *****



      Sincerely,

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

      Business Response

      Date: 13/12/2023

      Hi ********,

      We had a one of our representatives provide you update via phone conversation,  that we are in the process of having the error fixed regarding the credit bureau on December 11, 2023. 

      Additionally we sent you email advising we are in the process of fixing the error. 

      We will provide you full release letter including that the error of the credit hit is fixed, we are currently waiting on one update to finalize before sending the release letter.

      Thank you for the feedback.

       

    • Initial Complaint

      Date:11/12/2023

      Type:Billing Issues
      Status:
      Resolved
      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.
      Received a letter in the mail from December 1st stating that my ******** **** ******* Account was in default by $67.49. *** *** **** ** **** ** * **** ******* *** I called the provider and they assured me I do not owe any money, my account with them is closed, and I actually have a credit of $2.75 on the account, not a balance owing. They made a note on file but couldn’t verify the letter sent. *** *** ******

      Business Response

      Date: 11/12/2023

      Hi ******,

      We will sent this back to ******** to confirm the account is up to date.

      Until then we will put your file on hold, We would advise that you do follow up with us to ensure the account is closed accordingly in 30 days.

      Thanks 

       

      Customer Answer

      Date: 11/12/2023


      Better Business Bureau:

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

      Sincerely,

      ****** *****

    • Initial Complaint

      Date:27/11/2023

      Type:Billing Issues
      Status:
      Answered
      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.
      Dispute Regarding Erroneous Negative Report my report on my credit history by A-1 Credit Recovery & Collection Services Inc. on behalf of **** ****** ****** (Accounts ********** and ***********). I demand A1 Credit IMMEDIATELY remove the negative report from my credit as I do not owe nor have any business with them and their partner. I make bold to say that the balance for both closed accounts was paid in full and on time, both accounts were closed, and my ****** services needs were provided by **** ******. After the closure of **** ****** ********, **** erroneously continued to bill me for services that I never signed up for, nor received. **** ignored all efforts to correct them. I am challenging this incorrect payment record reported by A1 on behalf of **** ****** *****a. **** ****** contracts ended in Nov 2022, and I requested they be terminated immediately. Despite requesting cancellation through ****'s online chat service and receiving assurance, the services weren't canceled. In January 2023, inflated final bills were auto-paid. **** continued billing until April 2023, resulting in double billing. Note that at this point, I DO NOT have any services with ****, but with ****. Also, note on the statements that **** auto-deducts previous payments and continues to retain this right. However, because the final bills were paid and closed, they feared they could not legally withdraw funds from my account for non-existing accounts and services. **** ******* ********** ***** ** *************

      Business Response

      Date: 27/11/2023

      Hello *********

      I have received your complaint and will be reaching out to our client **** ****** to investigate further.

      I anticipate a response no later than 3 business days.  

      Feel free to contact our office if you wish to discuss at ###-###-#### or you can email me directly at ****@******.com

      **** **** | Operations Manager
      A-1 Credit Recovery & Collection Services Inc.
      3200 Dufferin Street Suite 205 | Toronto, ON M6A 3B2| 

      Customer Answer

      Date: 27/11/2023


      Complaint: ********

      I am rejecting this response for the following reasons: Prior to lodging this complaint, I had already reached out to A-1 Credit to clarify that I hold no contract with them. Additionally, I explained the nature of the services I received from ****, emphasizing how payments were consistently made on time through automatic transactions, and noted that the contract was concluded with no outstanding balance. However, subsequent to the termination of services, **** introduced a new set of bills, even though my ****** services are now managed by ****. My attempts to communicate this issue did not receive any response. As such, revisiting the same contact point seems futile. I adamantly demand that A-1 Credit and **** immediately rescind the negative report from my credit history and add me to their 'Do Not Contact for Business' list. I would also like to highlight that during the contract period, I was never behind on any payments. This situation is absurd.

      Sincerely,

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

      Business Response

      Date: 30/11/2023

      Hello *********

      I had submitted your dispute to **** ****** and have received response, that based on their evaluation of your accounts have decided to close both account *********** & *********** in our office.  I have reached out to both ********** and ******* today to have both collection items expunged from your credit bureaus.  This will take 5-10 business days to reflect on your end.

      I have attached notice to confirm that we have closed your accounts.        

      Thank you.  

      **** **** | Operations Manager
      A-1 Credit Recovery & Collection Services Inc.
      3200 Dufferin Street Suite 205 | Toronto, ON M6A 3B2|
      Direct: ###-###-#### Toll Free: ###-###-#### | Fax: ###-###-#### 

       

    C3 Canada is NOT a BBB Accredited Business.

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