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What to do when a debt collector calls. If a debt collector calls you, ask for and write down the following information: the agent's name. the company they work for. the name of the company they are collecting money for. the debt collector’s telephone number. Ask for details on the debt, such as: the amount you owe.
Managing debt, credit cards, mortgages, loans, lines of credit, credit reports and more. Search for recalls and safety alerts Find recalled consumer products, vehicles, food and health products.
Submit a question or complaint. From Financial Consumer Agency of Canada. Please note that our normal response time is 8 business days. Should you wish to speak with a representative from our Consumer Information Center, please call 1-866-461-3222 (toll-free) from Monday to Friday, 8:30 a.m. to 5:00 p.m. EST.
- Getting started. Things to consider before making a complaint. Does your complaint involve a business, company, or private individual? Does the other party have a policy or procedure in place regarding your complaint?
- Know your rights in Canada. Consumer complaints may fall under federal, provincial or territorial legislation depending on the issue. The Government of Canada has legislation that was put in place to protect the rights of consumers.
- Know your rights in your province or territory. Many consumer complaints fall under provincial and territorial legislation. It is also important to know that legislation and complaint processes may vary between provinces and territories.
- Prepare. Be prepared. Good preparation will help you present your complaint in a clear, concise and factual way. Before you start, collect all the facts, receipts and other documentation related to your complaint.
A creditor is harassing me daily. What should I do? Although the regulations differ slightly across Canada, there are limits on what creditors and collection agencies are allowed to do. For example, they cannot make telephone calls of such a nature or frequency that they amount to harassment of you or your family.
Aug 13, 2024 · A legitimate collection agency will have all the details about your overdue debt, including the type of debt, who the creditor is, how much the debt is, when you started falling behind on your payments, and what the interest rate is, among others. If the debt collector is not able to provide you with any of these details, it’s most likely a scam.
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Filing a complaint about a credit bureau. If you feel that a credit bureau hasn’t treated you properly, you may choose to file a complaint. Start by contacting the credit bureau directly. Find the process to follow when filing a complaint. If you wish to make a complaint, contact your provincial or territorial consumer affairs office.
