President's Choice Financial Arvostelua 603

Had surgery about a year ago, ran off of funds and just started getting better about a month ago, trying to get back to work! Had a couple of thousand on the card and phoned and told them the situation and asked if they could put a hold on a payment until Mid May as I had no income left! I had a high credit score and now it's dropped to nothing as they just keep adding interest and have also reported it to the credit bureau.
Lousy greedy bunch of low life worms, "worms have a use" they bait hooks for fish! PC just robs and does nothing but take.

Really a very bad financial institution. Looks like they don't have enough assets or something. Very tight on money. Paid off their credit card fully over $15000 & next day they reduce limit by $8000. Who does that?? Not that I'll need to use it right away but it shows how unthankful they are for my business. It's just annoying & I won't go to them ever for any bigger business ever. I've had other cards actually raised my limits on payment but these guys culture is ignorant. & then i get emails from their CEO telling how they support my business & keep grocery prices low. Liars!! We should boycott their companies like loblaws etc.

Called on 10-Apr-2025 @ ~10:00, took a long time from the auto-assistant to a 'real person'. Told the person what the issue I'm having, she need to ask someone else to help, put me on-hold after a LONG WHILE I got disconnected!! Called back and go through the same routine again; This person no help at all with the issue I'm having, after a long while I had to end the call and said 'thank-you'! at this point it is around 11:25.

Pire carte que tu peux accepter dans ta vie faire plus affaire avec cette compagnie la vraie marde bloqué ta carte sans raison descendre votre crédit malgré tu paie jamais en retard tu peux aller faire ton épicerie arriver au comptoir ta carte fonctionne pas service à la clientèle la vraie marde n’importe quoi en general

I've been their costumer (before they sold it to CIBC) for many years and was satisfied till now. If you have business or you have to handle larger sums this is not the bank for you. Ridiculously low day/month limits even for transferring money from spending acc. to savings acc. I complained many times and got only automated email "We received your complain..." a did nothing.
This morning I wanted to pay my Income and property Taxes and couldn't do it "over the the daily/monthly limits". Explain that C.R.A or Municipality?! This year would take me two months to pay Taxes with their limits. Highly unprofessional.
Please note, day of experience is approximate, it's being ongoing for some time.
Moving my money to REAL Bank.
Update: I just finished conversation with supervisor and he couldn't do anything about that. THEY ARE THE (MIGHTY) ONE to limit how much you pay Taxes and your bills. Now I feel like a mouse in a trap.

Today my PC account was not receiving e-transfers,… I was receiving a transfer to cover a business expense and was unable to cover the cost as the money budgeted was sitting in cyberspace. I DID NOT receive notice that maintenance was going on and when I tried to call PC Financial the virtual assistant was unable to help connect me to a human which created even more frustration. This has cost a delay in opening my business and my level of frustration is off the charts as there was no way to contact a human to speak with. If I could rate them below one star I would. I do not recommend this bank as the issue with receiving e-transfers with auto deposit set up has happened previously. They seem incapable of correcting this problem. I gave them a chance to resolve the issue once before but when my money is deposited within a few days I am finished with these people. No service fees is not worth a weeks worth of lost wages and I don’t expect anyone to contact me so I’ll leave my review instead and move on from PC Financial as soon as my money finds its way to my account.

This is a follow-up from a one star review I gave on Mar 10.

I'm learning where their blindspots are and giving them a chance...seeing if I can work WITH them. They do, afterall, still have the best current interest rates going.

So IF YOU'RE PAYING your bills, automatically: make sure you deposit your funds into your non-saving / chequing account 24 hours in advance. Their system can't handle same day transfers and payments.

ALSO if you transfer funds in from another bank don't be surprised when, after the initial hold is released, everything disappears, deposit trail wise. You WON'T see your funds in the account you sent them to NOR will will see any 'on hold' message. Kinda scarey. BUT, they've apparently got a blind spot in their system that occurs on the day the funds are released and ready to be deposited. For most, or all of that day, you won't see your funds anywhere, nor do they give you any message that the funds are 'pending.' It's a yech experience, but the funds do come though after 10:00 pm. or so that night.

Their customer service is absolutely atrocious! ..they say one word when you get through to them and don't answer what you called about. You get absolutely no resolution for your call ! They have no basic understanding of the canada post strike impact on customers time line to pay yet they demand understanding THROUGH THE PHONE due to "canada post back log " ?

Trash ass company worst company ever been watching 3 years now for my new credit card they are scammers they tell me they shipped my card but I know they didn’t worst comp at ever never ever again will I do business with this trash ass company

Restricted access to my account because they didn’t recognize debit so I told them I know what it is and then tell me it will take 3 to 5 business days to get access to my accounts now I just got paid and 5 payments are about to bounce and I guarantee they will charge me for the nsf I’m changing my bank today do not ever get an account with pc ever

Ridiculous service , took 2 hrs to pick up a call and even show no courtesy, and special they trap on interest charges, I just paid my full amount of bill but they charge me with additional interest charge on next billing cycle and said it’s carry forward charge which is insane, if it is carry forward charges then it should shown in bill every month I have not paid full amount , and the person was saying there are two types of charges, so if there are two type of charges then they must shown on bill, total frustrating ruined my day with them . A

Worst ever had this card
Even customer service worst I closed account they said still open they charge me interesting money
Even I don’t want give to star

I never go back PC Card

Horrible ! It takes FIVE BISINESS DAYS to transfer money between linked account and PC Money account. I assumed I cancelled this request but it was not cancelled and they overdrawn my Simplii account and I had to pay NSF fee $45. Also they show now zero balance at my PC Financial acct although it had positive balance there before. I am on the phone for almost an hour waiting now. Stay away from this idiotic so called banking !

What's with these online banks!?

It's a nightmare trying to do anything with PC Financial...Hours on hold trying to do something their website says I can.

If I could give 0 stars I would. Never and I mean never use this bank. They will hold your own money hostage and make all your payments bounce and you will end up having to borrow money because they will deny you access to your own bank and money. This should be illegal and I'm not sure how they haven't been sued already because what they do here is criminal. They said they wouldn't give me access back to my bank unless they could call me on my phone number link to my account which I got a new phone and wouldn't be possible but they said sorry they can't help. I went out of my way to get that number back from Bell so they could call me on it but then they would make up another excuse for something else so they couldn't unlock my account. This has to be even worse then the Mafia dealing with these people. One lady even hung up on me when she said I can't get MY money back from MY bank. Do yourselfs the biggest favor and never ever ever ever get this bank, it says free but it's a prison sentence when you sign up.

Lol this is crazy but then when looking at the reviews not so crazy but more so funny cause the reviews are pretty recent I got excited when I got accepted for this card since my credit is low and I'm working on it so when I got accepted I was like sweet moving in the right direction well nope cause the worst bank in the world approved me lol it's been almost 1 full month and still not even a card in the mail I just keep getting and email saying ur promotion will expire activate card now well sweet thanks id love to activate but slowly I'm getting less excited because many are reporting many issues with their card I guess keep working on my credit in hopes someone like td accepts me maybe when their stars get to 1 star just maybe they might start taking this sector loblaws more serious lol all u can hope is for a better future for them but who knows what direction they steer the ship in may be good or bad direction we shall see

unreliable service and poor customer service. every day 15 calls no one answer I have not been able to make a single purchase still sending charges, always pay before due date every month extra interest change

Worst money account. I opened so I could accumulate points. I transferred $200 from CIBC. It didn’t show up. Thought it was a glitch. So tried again. Another $200. 2 days later I see it went out of CIBC account, then it took 5 more business days. So 7 business day. I thought okay just because it’s a new account. So I used that money for groceries and restaurant, that work but it doesn’t work at all places. Oh well it was for groceries. So I transferred $100. This time 8 business days.
I have optimum card and PC money account. Never fail to scan my card. And yet they still miss the points they offered. 17,500 to spend $175 in one week. They rectify it if you complain, but why the hell do I have to monitor every transaction with a magnifying glass. I would give 0 Stars.
Worst service ever.

Had a credit on my csrd of $ 150.00
Sent e-mail to get a check No help
Tried calling on hold for 40 minutes
Still receiving statements for lost card