ComplaintsforDebt Control Agency Inc

• Initial Complaint

  22/12/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I'm getting calls from this collection agency. I don't owe anyone any money.

  Business response

  03/01/2024

  Good evening, 

  Thank you for bringing this to my attention.

  We do have a file in our office under your name " ****** ****".

  Account was listed to our office on November 30, 2023. A letter was mailed to the address we have on file. Efforts to make verbal contact was made December 20, 2023.

  Thank you. 

  ******** *******
  Development Manager

  Customer response

  29/01/2024

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

  I do not owe anybody any money.

  My bills are paid on time and in full.

  After my complaint to the BBB this company continued to call me.

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

  Customer response

  31/01/2024

  No I have never spoken with this company. They claim they sent me a letter but they never did. I’ve been very clear in my posted comments that I don’t owe anything to anyone. They are aware of those comments because they responded to them.

  Business response

  14/02/2024

  Good morning, 

  We have sent a request to our client to provide the back up to support this debt.

  Once received, we will send to the customer.

  Thank you,

  Linda J.
  Director | Client Services and Customer Care

  Customer response

  14/02/2024

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

  They have to contact their mystery client to confirm a mystery debt. 

  Why can’t they provide any details to me or the BBB?
  
  Sincerely,
  
  ****** ****

  Business response

  26/02/2024

  Good morning, 

  Our client was not able to provide the supporting documents to prove the debt.

  They retracted this debt and the file is now closed in our office.

  Thank you,

  Linda J.
  Director | Client Services and Customer Care

   

  Customer response

  27/02/2024

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

• Initial Complaint

  29/11/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Account not mine, no knowledge of this account. I am not liable for this debt, I do not have a contract with Financial Debt recovery and they have failed to validate any information or contracts pertaining to this. I would like this removed from my credit bureau.

  Customer response

  29/11/2023

  This is the correspondence I had with DCA on email and I have also contacted in person without resolution or response. I have also contacted the creditor who is unable to provide me with original contract and stated it now belongs to collection agencies, but has no reconciliation or anything in regards to original contract. They are unable to find any information on me. Please have this issue resolved and removed off my bureau as we don’t even have indication if this was fully paid for or if a contract still legally exists. 
  

  Thank you, 

  ******** 

  Business response

  01/12/2023

  Good morning, 

  Thank you for bringing this to our attention. 

  The signed loan documents was received by DCA from our client ******* on Dec 1, 2023.

  We are mailing a copy of the loan documents to the consumer today.

  Best regards,

  Thakesan V.

• Initial Complaint

  29/11/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have an outstanding debt with **** * ***, for which I made a payment arrangement and have been fulfilling my monthly payments. I continue to receive notices from DCA for another account with **** * *** that does not exist. If you look at the copies of the agreements you sent me, the scheduled withdrawal dates were the EXACT SAME for "both" accounts. There is ONE account, and I have been making my monthly payments toward it. Every time I contact DCA, they tell me to ignore the second account and that they are looking into it. Each time I follow their instructions, but I continue to get emails and now letters, as of today, telling me that I need to make an immediate arrangement to avoid further collection efforts. I am having anxiety attacks over this and need you to stop contacting me regarding the account that does not exist (file number ********). Any time I call, I am transferred through different departments until I reach someone (the past couple times it has been Gina), who then says that she is launching an inquiry. This harassment over a non-existent debt cannot possibly be legal.

  Business response

  01/12/2023

  Good morning, 

  Thank you for brining this to our attention.

  Our client **** * *** CORP provided us loan documents for both accounts – these documents where mailed to the consumer on November 16, 2023.

  We are currently seeking further clarity from our client regarding both accounts.

  Best regards,

  Customer response

  01/12/2023

  
  Complaint: ********
  
  I am rejecting this response because: I have contacted DCA multiple times regarding this. I have contacted **** * ***, and they informed me that there was a duplicate that should not have been sent to DCA. DCA has done absolutely nothing to resolve this, and I have been told multiple times that DCA will contact **** * *** and resolve this. I was told by **** * *** to contact DCA regarding this issue, and now DCA is telling me again to contact **** * ***, despite them saying that they would launch an inquiry. DCA has continued to harass me despite this duplicate account not existing.I explained to Gina on the phone that if she looked at the contracts on the original and duplicate account, she would see that the withdrawal dates are exactly the same. How would I have gotten two payday loans from **** * *** with the exact same withdrawal dates? DCA needs to resolve this and actually pay attention to what has occurred. 
  
  Sincerely,
  
  ***** ****

  Business response

  07/12/2023

  Good evening and thank you for bringing this to our attention. 

  Our client **** * *** CORP has advised us there are two accounts.

  However, We are obtaining the loan documents from our client. Once we receive the documents, We will forward it to the consumer. 

  Best regards,

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

  Development Manager

  Customer response

  07/12/2023

  
  Complaint: ********
  
  I am rejecting this response because: I have contacted **** * *** and they advised me that there was a duplicate account. You have sent me two loan documents with identical withdrawal dates. One is very obviously a duplicate, and I am getting told by both parties to talk to the other regarding this issue. This is ridiculous. 
  
  Sincerely,
  
  ***** ****

  Business response

  04/01/2024

  Good afternoon, 

  Once again, Thank you for bringing this to our attention.

  Our client ********* has advised that this is not a duplicate account but it is a split loan based on the default of the consumers agreement with our client.

  Thank you.

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

  Development Manager

  Customer response

  04/01/2024

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

  This is untrue. I have contacted ******** and they said that the duplicate loan should not exist. DCA has been giving me the run-around, refused to look into anything, and has repeatedly threatened me with legal action for a duplicate loan that does not exist. 

  Sincerely,
  
  ***** ****

  Business response

  12/01/2024

  Good morning, 

  Once again, Thank you for bringing this to our attention. 

  We have reached out to our client **** * *** CORP again to investigate further.

  Please feel free to contact us if you have any questions or concerns. 

  Best regards,

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

  Development Manager

• Initial Complaint

  14/11/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I feel compelled to share my alarming experience with Debt Control Agency, a stark contrast to the excellent service I received from other collection agencies under similar circumstances. After opting to pay my debt in full to Debt Control Agency (surpassing the settlement offer) for an account associated with ******* ******, I expected a straightforward process. This payment was crucial, not just for resolving financial issues, but also for assembling a package for my ongoing identity theft case, making the release letter from Debt Control Agency extremely urgent. My repeated emails to confirm the payment remain ignored, showing a concerning lack of customer care. The responses from different agents via telephone were contradictory and unhelpful, further complicating the situation. (One said it was mailed another said it wasn’t) When my daughter called on my behalf, her pleas for urgent assistance were met with requests for more voicemails, despite our existing unreturned messages. (Emails and voicemails) This discrepancy is particularly concerning given the numerous negative reviews online about Debt Control Agency, which highlight similar issues of unprofessionalism (*** **** **** ********* *********** ***** ********** **********) The overwhelming negative reviews online are red flags that cannot be ignored and I wish I had checked the reviews before contacting this company. I truly understand how the other consumers felt ******** * **** **** * *** *******; I paid, as per their email (in full) they promised to send the letter and they still have not emailed me the letter.(The other companies all emailed me the release letter within 24hrs) I have been reaching out to them for over a week now and still no response. My daughter was told she couldn’t speak to anyone and had to leave a voicemail (which rightfully upset her) if no one is available then who is (*********) I mean “collecting” from consumers..? It takes two seconds to type one sentence.

  Business response

  15/11/2023

  Good evening,

  Thank you for bringing this to our attention. 

  The account was paid in full on November 7, 2023, The letter of release is normally mailed out to the consumers address. 

  A special request can be made for the letter of release to be sent via email, The consumer will have to email DCA INC with identification (Name, Address and date of birth) for us to email the letter of release. We have not received the identification (Name, Address and date of birth) via email hence why letter of release was not emailed. 

  We have confirmed with our administrative team that a letter of release has been mailed to the consumers address. 

  Thank you

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

  Customer response

  15/11/2023

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

  Contrary to their claim, I included all necessary identification information in my initial payment email and subsequent communications. I also informed them that I no longer reside at the address they have on file since I moved on Nov 1st 2023. (That email was sent on Nov 10th) * **** ******** * *** **** *********** ** **** *** **** *********. Additionally, their team has provided contradictory information regarding the release letter, varying between it being mailed out and not being sent at all.

  This inconsistency, coupled with their assertion that they are a smaller company compared to the other collection companies justifies a lack of response, is unacceptable and unprofessional. (This was told to my daughter when she called today, calls are recorded on there and I’m sure they can verify this) 
  

  Still those emails go unresponsive and It directly impacts my ability to resolve my case efficiently.

  Being a “smaller company” is not an excuse to have consumers feeling like they were ******** If the reason for not emailing the letter truly was lack of identity (which I have proved it wasn’t) why did no one respond and said “sorry, we are unable to process this letter due to lack of identity etc.) the least they could have done is confirmed the payment was processed successfully, instead of the customer care team being completely unresponsive. I seriously question the reliability of this company given that they are very comfortable lying to consumers, even when faced with proof and facts. And the fact is I have sent 5 emails and left numerous voicemails all of which have never been responded to by this company. The lack of customer care is why consumer hate collection companies; which is sad because the other companies I dealt with were amazing, even educating me on certain aspects of the process & industry. 

  **** *******

  Business response

  30/11/2023

  Good eveneing, 

  Due to volume of release request, typically letters of releases are mailed to consumers approximately 30 days after the full balance has been resolved.

  A letter of release was issued to this particular consumer 10 days after the account was resolved.

  We do  apologize if this created an inconvenience.

  Thank you.

• Initial Complaint

  09/11/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have been getting numerous phone calls every day from DCA Inc. asking for a call back and referencing a case ID. I looked them up on the internet and see they are a Debt Collection Agency. I have never dealt with DCA, I have no unpaid debts and am current on all my accounts and have never been in debt. My only outstanding loan is a mortgage and that has been the case since I has in university. I have been semi-retired for 7 years now and do not appreciate the ********** they are putting me through. Several years ago someone stole a credit card which I reported immediately, but I believe some purchases were made on it before the credit card company were able to cancel it. This is the only issue I have ever had with any credit card or agency. I wish to put in a complaint against DCA Inc as I believe they are mistaken in trying to contact me. I would engage with them except I know this only leads to more calls and harassment. Thank you, ****** ******

  Business response

  09/11/2023

  Good afternoon, 

  Thank you for bringing this complaint to our attention.

  Our agent already removed telephone # ************ from our system on November 8, 2023 at 2:24 PM and this was added to our DNCL list.

  I trust this will meet the customers requirements.

  Please advise if anything further is required.

  Thank you

  Linda J.
  Director | Client Services and Customer Care

  Customer response

  10/11/2023

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

  As of yesterday (November 10, 2023) the calls were continuing.  The agent I spoke did mention it may take 24-48 hours to stop, but the disruption caused to our daily lives was not repaired.  

  The calls were as many as 10 -12 times per day, and not just on the number listed.  The agent mentioned they use a call generator that comes in from several area codes so they are impossible to block.  They were also calling on my cell phone and leaving messages there.  The agent admitted I was not the person they were looking for (different age group) and lived in a different area.  The only similarity was my name.  I see no reparation, no regret and no apology for the disruption and anxiety caused to me and my household.  Some explanation as to why DCA Inc targeted me and how they got my numbers and chose the tactics they did should be explained as well.  

  These actions and tactics are certainly unethical if not illegal.  If they continue today, I will be furthering this issue to legal authorities and to the CRTC.

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

  Business response

  21/11/2023

  Good afternoon, 

  Once again, Thank you for brining this to our attention. 

  Our automated dialer campaign was already initiated at the time the consumer was receiving phone calls and carried over on Nov 15, 2023 where the consumer phone number was called 1 time. We have since audited the activity on ************ and can assure that this phone number is on our National DNC.

  We do apologize for any inconvenience this may have caused.

  Thank you.

• Initial Complaint

  06/11/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  I had a loan that was sent to collections. After months of getting the runaround from dca a manager reached out to me"******* ******. We worked out a schedule and I paid off my debts. This company tried to charge me nearly double what I owed. They wanted me to pay them $6982 when I owed $4497.88. That got resolved and I paid them the $4497.88. I asked this ******* ****** for a receipt for proof of payment but once he got his money he didn't provide the receipt and stopped responding. I paid off that debt over 4 months ago and it's still showing on my credit report as owing. I want this removed immediately or at very least updated to the proper amount and marked as paid. I did my part and there ****** aren't doing theirs. This ******* ****** tried changing the amounts and ******* ** *** several times. Although he wouldn't provide a receipt I have all email correspondence saved as well as bank records. If this is not corrected immediately I will be taking further action for the ***** they tried to commit!

  Business response

  14/11/2023

  Good morning,

  Thank you for bringing this complaint to our attention.

  I have checked ******* and this is already updated on his bureau as a settled account.

  In addition, a letter of release was mailed out to the customer on November 7th, which he should have received by now.

  Please let me know if anything further is required.

  ***** *****
  Director | Client Services and Customer Care

  Customer response

  16/11/2023

  
  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. Sorry for taking a couple of days to reply, my credit score just updated today and the debt is gone now. Thank you
  
  Sincerely,
  
  **** ****

• Initial Complaint

  06/11/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  this collection is from 2017. dca re-aged the debt. **** ** ******* ** ******. The six years is up and it has to be removed. **** *** ******** *** ****

  Business response

  15/11/2023

  Good evening, 

  Thank you for bringing this to our attention. 

  This file was listed in our office on July 18, 2023. The date of the last charge was on February 20, 2019.

  We have correctly followed the reporting guidelines and have not exceeded the timeline.

  Thank you

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

• Initial Complaint

  26/10/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  On July 25th 2023 I payed the company to complete a debt. Unfortunately I pit into the wrong account number. I called them to explain this and they said to contact my bank. I did several time. **** has confirm dca has the money and will not respond to thete messages. This is not right. I can't get my money back and they did not apply it to my account. They have taken my money and won't give it back.

  Business response

  01/11/2023

  Good morning,

  Thank you for bringing this customers complaint to our attention.

  The customer made a deposit to our trust account and provided the wrong account information.

  The customer provided us with proof of payment in August.

  After a thorough search, the funds were located, reversed from the account number the customer supplied and applied again his account number.

  The Funds were submitted to our Client and the debt is satisfied.

  The account is closed within our office and a request was submitted to the reporting agencies to remove any derogatory listings from the bureaus.

  NOTE: It could take the reporting agencies 30-60 days to update their records.

  I trust that this will satisfy the customer as although there was an unfortunate delay due to the customer providing the wrong account information, finally the funds were applied to the correct account and there is no further monies outstanding.

  Linda J.
  Director | Client Services and Customer Care
  

   

  Customer response

  03/11/2023

  
  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

  12/10/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I have been getting phone calls and emails from this business for the last month or two. The collection is for someone named **** *********. I have asked them to please remove my name, address, email address and phone number from this account as it is clearly not mine. I can forward you the emails that have been sent from me and this company if needed.

  Business response

  01/11/2023

  good morning, 

  Thank you for bringing this customers request to our attention.

  The phone number was removed and added to our DNCL list (Do not call list) on October 5th when the customer brought this to our attention.

  In addition, the email address was removed from our system on October 12th.

  This should satisfy the customer and they should not receive any further contact from our office.

  Please write should there be any further issues.

  Linda J.
  Director | Client Services and Customer Care

   

   

  Customer response

  01/11/2023

  
  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

  29/09/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  This Company keeps calling my cell phone asking for a person unknown to me. I have explained this to the agents calling but the ********** continues. They leave messages multiple times a week asking for this unknown person to call them. They don’t seem to have any file management skills whatsoever. They just keep calling or leaving messages. I’m not the party they are looking for but this doesn’t seem to matter to them.

  Business response

  05/10/2023

  Good morning,

  Thank you for bringing this complaint to our attention.

  The agent escalated this request to their manager on September 29th, and the Manager took action to remove the number to any associated files on October 2.

  This number was also added to our DNCL (do not call list).

  This should satisfy the wrong party and they should not receive any further calls from our agency.

  Regards,

  Linda J.
  Director | Client Services and Customer Care

   

   

  Customer response

  05/10/2023

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

  Customer response

  05/10/2023

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

*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. ↩