President's Choice Financial

"Worst bank ever. Don't bother with these ppl. Their customer service is worst than a third world country.."

"EVERYTHING with this company was HORRIBLE. They would not reply when I tried to use the balance insurance while on a medical leave in 2020 even though I PAY for it. Spent YEARS trying to pay it down after all the interest they charged during my medical leave and when I finally did and closed my card they will not stop sending me the bill with a 0.01 credit on it just to harrass me. I spent 20 min on the phone waiting to talk to someone to get them to stop sending me mail. They took my phone number and HUNG UP THEN DIDNT CALL ME BACK. I AM DONE WITH PC and I am going to do my best to not even use PC points anymore. !!!! AWFUL"

"DO NOT sign up with this place if you ever expect to speak with a live person. They have no such thing as 'customer service'. If you do have an issue, expect to listen to numerous options that don't apply (over the phone) or only to chat with an AI bot that can't help you (online). Absolutely horrible."

"Not even one star got aproved within 5 minutes waited for the card snd received it was not able to acrss the card waited online support 2 times about 45-60 each time then i wss told they have to transfer me to someone else and do on , at that point it was just not worth it so I JUST CANCELLED IT !!! TRULLY A WSIST OF TIME!!"

"YOUR CUSTOMER SERVICE IS THE WORST POSSIBLE 1 OUT OF A 100. I ACTIVATED MY MASTERCARD, USE IT FOR A WEEK, THEN GET MESSAGE TO VERIFY MY ID, TOLD IT TAKES 2 DAYS TO VERIFY, AFTER A WEEK, I STILL HAVE A BLOCK ON MY CARD. 3 TIMES I WAIT FOR AN HOUR TO SPEAK TO A LIVE AGENT THEN I GET HUNG UP ON."

"I’ve been trying to get help from PC Financial for two days straight, and the customer service has been extremely frustrating. If the call gets disconnected, they don’t call you back, so you’re expected to call again and wait nearly two hours just to get connected to an agent, only to then be transferred to another department. What made it worse was being transferred to a department that couldn’t even help resolve my issue. The Payment Solutions Advisor I spoke with was not helpful at all. I clearly explained my situation, and at one point she put me on hold and transferred me without even telling me she was doing so. As someone who works as a Payment Solutions Advisor at another financial institution, I understand that these calls can be challenging, but the lack of communication and customer service was unacceptable. Overall, one of the worst customer service experiences I’ve had with a financial institution."

"Sent in a complaint about pending transactions, delayed payments being applied and delayed refunds. Never responded even though "Your business is important to us". Before PC Mastercard was sold I always had reasonable service from them. Now I will take my business to another provider. Plenty in Canada to choose from"

"Truly terrible. I was assaulted on the phone with the agent screaming at me and telling me what to do with my body and emotions. They are incredibly dumb as well and have no problem solving capabilities. Supervisor calls returned in 6 days when supposed to be 24 hours, no voicemail left. They're beyond incompetent and have allowed their staff to be abusive repeatedly."

"Only gave it a 1 star because no stars are not available. Have a fraud issue with my card. Tried calling several times over a period of weeks. waited over 45 minutes each time and they did not pick up. I spend between $60,000 and $100,000 per year using this card. As soon as I find a comparable card I'm gone."

"I would never use this service. I called to try to access my account, because I hadn’t paid on time it was disabled. I reiterated that they refuse to send a paper copy and denied me access to my account and all I wanted was a statement so I could pay it off. I was denied and they hung up on me. Not only that, they said I had to pay for a statement. What company will not give you a statement, require you to pay for it and not make it easy to pay off? Do NOT use PC."

"Don’t sign up for this card!!! They are scammers who will not return your money!!! I have a credit of over $1000 dollars. I have requested to have the money transferred to me numerous times and they keep finding excuses not to return it. I even cancelled the card meaning I cannot even make anymore purchases and still they refuse to return the money. There’s are so many better options for credit cards out there. Stay away from this scam company"

"They try to screw you into getting into debt. When you cannot afford a high limit they keep offering a higher and higher limit. But when you can afford a higher limit they won't give it because they just want to make money off your interest payments. Customer service is complete trash, never once spoke to anyone there that can speak english. If you don't need this card very badly then don't get it, they are just trying to take advantage of vulnerable people."

"Getting someone on the phone is hell on earth. more red tapes to get through than the government. so many questions and long winded shit on the phone when you make a call you can get a heart attack before getting someone on the line. the statement system sucks and the phone person knows nothing there is no statement to veiw but they want you to make a payment."

"a vendor was supposed to issue me a refund and did not. i contacted pc mastercard via a dispute form but they have not followed through and they no longer have human customer service or a messaging service like they used to so there is only one of those useless chatbots that gets stuck in a loop. i guess i will try small claims court against pc Mastercard now to recoup the stolen funds"

"Honestly this is the worst financial institution ever, customer service won’t answer until after 2hrs they will finally pick up and ask you to wait 2-3mins and hung up. Your money just disappeared in you bank and they can’t even explain why, this bank itself it a fraud once your money is missing they give you different excuses for as long as it take so you forget it. Please don’t ever bank with them or trust them with your pay check. They are fraudulent bank ."

"Crappiest bank on planet earth, I put $20,000 of MY OWN MONEY in MY BANK ACCOUNT??? They locked my account and the “account specialists” keep not answering and just hanging up on me like wtf? PC FINANCIAL GIVE ME MY MONEY"

"I would like to give -1000, but the system would only allow rating 1-5, therefore 1. I recently make some purchase at Zara as they are on sale. On July 29, I made some returns which my purchase were paid by my PC MasterCard, therefore Zara refunded back to my MasterCard, which I confirmed with customer service today total 12 transactions and around $750. These transactions were pending on July 29, but on July 30, all these transactions were disappeared, not in either pending list, nor in my transaction list. My credit balance showed I owe PC MasterCard over $1500+, excluded what Zara had refunded. So I called PC MasterCard, at the beginning, the customer service couldn't see any transactions happened on July 29, then, after an hour waiting on the phone for the customer service to look into it, she finally found the 12 transactions, but said your transactions"on hold", then I asked when it will be processed, the customer service replied it will take 2 weeks, this sounds weird to me, and also to my question if it is on hold, why it is not in the pending list, the customer service could not answer. This is suspicious, why the transactions all disappeared, and it will take 2 weeks to process? Clearly either their banker stole my money, very unlikely, or the banker made a mistake and transferred my credits to some other person's account, anyway, clearly, they are trying to hide the truth. What transactions need 2 weeks to process, and all these transactions are not showing on my credit history, or pending transaction list, as of now I'm writing this review. I'm very disappointed with PC MasterCard, maybe I should switch to tangerine or some other credit card. Very unsafe, and customer service horrible, not trustworthy."

"i've been on the phone for nearly an hour, and I still haven't spoken to anyone"

"DO NOT GET THEIR MASTERCARD!!! I have had many credit cards over the years but this is the absolute worst by far. There was a block on my account for no apparent reason and it took 3+ weeks just to access my statement online. They said it was unlocked and I tried to use it - declined. I will pay it off and close it. You can’t get any help with customer service - and the wait is always one hour minimum. Don’t waste your time."

"I think I'm only reiterating other people's experience but it has been problematic from the start. I have only been with them for a year. At the very beginning, I spent an enormous amount of time working with somebody who had me troubleshooting multiple steps to resolve an issue that would have been 1 interaction with another bank. Right then I decided this would just be a secondary financial option for me. Now, the problems continued again and I barely been using the account. Essentially, every action has has probkems attached. There's delayed communications when I transfer and it takes especially long (I had $1000 in limbo at one point having no idea what was happening or if it was lost in the ether) and now I can't transfer to another account I have. I receive continued errors. The option is to talk to someone who interestingly was the same person I talked to months ago so I don't think they have a lot of people on this. Companies that have no regard for customer service often do this .. they have a limited number of people that you can contact who have limited authority and they don't apparently have anyone supervisor you can speak to so if you have issues with them so there's nothing you can do. This all led to me expected to navigate technical aspects of the app (which did not make any difference). It seems that they don't give the people in charge of resolving issues much capacity to do really much of anything. I transferred all my funds out of this bank today. Enough is enough. Life is stressful enough it doesn't make sense to deal with the company that doesn't know how to manage itself properly. They basically make passive money off customers and do little to ensure we are able to rely on the service."