President's Choice Financial Reviews 614

I am experiencing an issue where my PC Mastercard account has been flagged or locked, and the system provides only one resolution path: calling customer service. This is a dead end. I've wasted nearly an hour on hold over two separate attempts (45 minutes and 15 minutes), and my calls were never answered. The online messaging is unhelpful, simply telling me to go online, completely contradicting the instruction to call. This level of inaccessible and poor customer service makes it impossible to resolve account problems and is unacceptable.

A few weeks ago they phoned me to let me know that my Mastercard had been compromised, they would cancel it and send me a new one in 7 to 10 business days. Considering that I only use this one credit card, that was a great inconvenience, but what could I do? It took a week and a half to receive my new card, during which time I was unable to pay my phone bill which will cost me a late charge. So with my new card in hand I went to the grocery store and at the checkout, with a full cart of groceries and people lined up behind me, was informed that my card was declined. So I phoned PCF again and was informed they were cancelling my new card and would offer no reason other than "for added security". They would send me my NEW new card in 7 to 10 business days. And now Canada Post is on strike. I phoned them AGAIN to ask if they could use a courier to get me my newest card faster and was told a flat out, rude, "absolutely not". Customer service is atrocious, they barely speak English; I cancelled my card and will be getting a Visa.

Worst experience I have ever had !

Worst experience so far. Waiting for the last 49minutes and no one is picking up the call. They said they would transfer me to the right department and the rest is history.

On September 3rd, my Mastercard suddenly had problems. It had to be submitted repeatedly. As the account as paid up and there was adequate credit, there was no reason for this.
I called the same day and quickly got to a customer service person. She was very helpful. A replacement card was to be sent.
A few days later, it arrived. I was pleased to see that my number had not been changed. It was attached to a brochure saying the card was active but I need to follow a certain procedure to activate the Tap function.
I followed the instructions which resulted in the transaction being declined and the account frozen.
More instructions to reinstate the account. Attempts to comply resulted in responses that my information was incorrect.
So, to the phone. A long outgoing message, followed by requests for the card number and my date of birth.
I gave this. Lots of messages about my balance and encouragement to use the online account.
Then the BOT. I could not make myself understood.
It kept asking if I wanted a replacement card or it gave me the outgoing message. A lot of time was wasted and my frustration level was very high by the time it finally it stopped and I was waiting to speak to a human being.
This resulted in the “rhythmic racket”designed to drive customers off the phone, interrupted by patronizing messages thanking me for holding and intimating that somehow my call was valued.
My thought is that if the company really values me and my time, measures would be taken to improve service.
Then, after a 45 minute wait, this call was terminated
I called back, repeated the entire experience to have the call terminated after a 20 minute wait.
I called again the next day, September 11, at 8 AM.
Except for being stuck in BOT- land for far too long, I was able to reach a very helpful gentleman who patiently listened to my card troubles, apologized for the mess, asked questions and did very useful things to rectify the problems. He gave me clear information on my next steps and answered my questions.
Both the customer service people were excellent.
Why make the journey to get to them so awlful that in my case, I was so angry that I had steam coming out of ears and had to stop trying until the next day?
Surely, I am not alone in hating this experience?

If I could give less than 1 star I would.
Card is lost...app says I can't access the "report a lost card" function...with no reasonasto why. Virtual assistant was useless...never did answer my question...just repeated canned answers about how to use the function they denied me access to.
And as always 'unusually long wait times' when I went to call.in the hopes of talking to a human.

So horrible, cardio never ever recommended to anyone, so poor customer service never attend call

After waiting for 40 min to get one person the other person had to cut the call and I had to wait for an extra 40min again. Just remove your money the stress is not worth it

I had to wait an hour and 25 minutes to get my answer to a question. Most representatives have no clue how to help. So disappointed. Going to look for other bank.

If I could give less then one I would. I'm not used this account in over 2 years but had someone accidentally direct deposit a check in there without my knowledge when I called to access my account they told me it was closed and they can do anything about it that they would send me the money by check which could take up to 30 days customer support was not helpful they said they could not open my account back up and there's no other way to send a check how does this make sense with them being online Banking Company

i had to wait 45 minutes to get through to an agent. He couldn't resolve my issue so he forwarded my call to a specialist. i then had to wait another 30 minutes and this guy couldn't even answer my question either. totally useless!

Terrible Bank, do not use this bank, it will steal your money, block you from talking to supervisors or people in charge. flags everything as fraudulent so they can collect interest on your money. There is no physical location to get help. RUN!!!

Negative five stars AVOID like the PLAGUE

Trying to activate a replacement card. Says you can do it using a PIN at a retailer that accepts credit cards. NO YOU CAN'T. Tried the chat...totally useless. Tried to do it online..."how to" is very well hidden, so again NO YOU CAN'T. Now waiting on the phone for someone to answer...they keep telling me my call is important to them HA, HA not really 50 minutes on customer ignore and still waiting!!! My cell is running out of battery#*??###

They will put you on hold for inquiry at the phone for an hour. Wasted your precious time waiting for nothing.

I would put 0 if there was a way. Customer service agents (several) that I got on the phone are incompetent and lied to me several times, even though the calls are supposedly recorded.

You ask to be sent a new card at least 2 weeks prior to the expiration month, they argue with you and tell you, in between the lines: tough luck, card will be sent by Canada Post regular mail, even though supposedly the first new one was sent by Canada Post and I never received it. I had to fight for hours till they accept to send it by FEDEX, which again was a lie and they sent it by Canada XpressPost, having lead me to believe that the tracking number they gave me was FEDEX when it was Canada Xpresspost all along.

this service if not discriminatory as my experience isnt widespread is then flawed. blocked my card while on the road then told me the back team handling unblockimg is offline and needed two business days to respond while I was stranded om the road. also has Asian slow talkers taking time to tell how unreachable the requested service is. They did give credit points which served me well but its not a real bank.

Garbage banking. Their money account is setup for a 5 year old at best. Sent a transfer from CIBC into PC account and it got put on a 5 day hold. I have flawless banking history and an excellent credit rating. A maximum of $500 on transfers as well? Lmao. I switch money back and forth with wealth simple all day long with zero issues. Don't waste your time on these fools. They aren't a bank. They're a waste of digital space.

PC Financial’s customer service is unacceptably slow. Over 40 minutes on hold for basic assistance is not just inconvenient—it’s disrespectful to customers. This level of service is far below what anyone should expect from a financial institution

I have attempted multiple times to apply and either been denied an account or they opened one only to cancel before I could use it. I attempted again and now they're telling I have too many accoynts and I am not allowed to open one with them. I have none. So when I call them I'm given a complete run around and then told that there's a block on one of my apparent account and they have no reason for it and they cannot remove it. And that I am never allowed to opem am account with them.