It is possible to file a complaint against a collection agency or a debt settlement firm to the Ontario Government. In order for you to file a complaint it will be necessary for you to go through a two-step process.
Step One: Send a written letter of complaint to the business
The Ontario Government will decline to process your complaint unless you first write a letter of complaint to the business in question. In this letter you should describe the nature of your complaint against your business. Furthermore, you should also state what actions by the business, if any, would resolve your complaint.
Step Two: Submit a completed Complaint Form to the Ontario Government
Once you have made your written complaint to the business in question then you can file a written complaint to the Ontario Government using the Ontario Government’s Complaint Form which can be found online at the following link:
You can also find a copy of this 4-page Complaint Form reproduced at the end of this post.
You should also include copies of any relevant documents in connection with your complaint. For example, if you are complaining about the conduct of a debt settelement firm, you might want to include copies of your debt settlement agreement as well as copies of correspondence between yourself and the debt settlement firm.
You have a number of options in terms of how you submit your Complaint Form. You can submit your completed Complaint Form online. You can also print a Complaint Form and then submit it via e-mail, by fax, or by regular mail:
- via e-mail to firstname.lastname@example.org
- by fax, to (416) 326-8665
- by mail to the following address:
Ministry of Government and Consumer Services
Consumer Protection Branch
1201 Wilson Avenue, Building A
North York, ON M3M 1J8
What happens to your complaint after it is submitted?
After your complaint is forwarded to the Ontario Government it will be be processed. Complaints are input into the Ontario Government’s computer system and the complaint will be assigned a unique file number. Complaints go through triage to determine the priority in which a particular complaint should be dealt with. Those complaints which are deemded sufficiently serious are forwarded to an Investigations Unit. Complaints alleging that a business is contravening Ontario law is more likely tobe forwarded to an Investigations Unit.
Ontario Collection and Debt Settlement Services Act and Regulation 74
The conduct of both collection agencies and debt settlement firms is governed by the Ontario Collection and Debt Settlement Services Act and Regulation 74 enacted pursuant to the Act. A complaint to the Ontario Government against a collection agency or a debt settlement firm alleging a violation of either the Ontario Collection and Debt Settlement Services Act or Regulation 74 will likely be treated more seriously than a complaint which does not involve conduct contravening these provisions.
You can find the Ontario Collection and Debt Settlement Services Act at the following link:
Contact me if you would like to make a complaint against a collection agency or a debt settlement firm
You are welcome to call me at (866) 996-9941 or (519) 827-5513 if you have made a complaint, or you wish to make a complaint, regarding a collection agency or a debt settlement firm. You can also contact me, via e-mail, at email@example.com.
The 4-page document reproduced below is the Complaint Form that must be completed by an Ontario resident who wishes to make a complaint against a collection agency or a debt settlement firm. The Ontario Government will decline to process a Complaint Form unless a consumer first writes a letter of complaint to the business in question.