President's Choice Financial Opiniones 603

Applied for a PC Financial mastercard, was approved, received the card but when going to activate it, I was told the account was closed and they're unable to disclose the reason why.

Three major issues with the PC Mastercard for me are that you cannot add it to your Samsung Wallet, you cannot put your account on autopay, and Customer Service is useless. Had I known, I would not have bothered getting this card. When you contact them by phone to rectify an issue, the customer service is horrible! Prepare to wait 45+ minutes before even talking to an agent. They will file numerous complaints with a reference numbers (see attached screen shot), to which they have never once provide follow-up or rectification. When you request a call back from a Supervisor, that never happens either. The back office has no idea what they are doing; it's just a waste of your time calling. I will be cancelling my card as soon as my statement is provided.

Have called about an issue that can't be solved via AI which they push. Got hung up on twice after holding 15 minutes. Called today after 29 minutes said can't take this call and hung up again. No banks to go to I am contemplating letting my credit card go to much hassle and it has my pc points I can't even use till issue solved. Bah humbug and yes I am a Karen and usually a patient person.

I’m writing to express my deep frustration and disappointment regarding the delay in receiving my replacement card.
I reported my lost card in early September and was told that a replacement would be sent via courier due to the postal strike. It is now October 17, and I still have not received the card. When I called today to follow up, I was informed that the card had been sent, but there was no confirmation of when or how.
I requested another replacement and was told it would take 10–12 business days, which is concerning given the length of time I’ve already waited. I also asked if it could be couriered (as originally promised), but the agent said he wasn’t authorized to do so and transferred me to another department. Unfortunately, after being on the call for about 90 minutes my call ended with a busy signal.
This experience has been both time-consuming and distressing. I am urgently in need of my replacement card.
If you're looking for customer disservice, go with a PC Financial credit card. Otherwise, just go with the tried-and-true big banks.

PC Financial has consistently demonstrated an alarming lack of competence and reliability, both for customers and staff. Their systems are inefficient, their customer service is slow and unhelpful, and staff appear unsupported and undertrained, leading to repeated errors and unresolved issues. Customers frequently face long wait times, unclear policies, and unresponsive communication channels, creating frustration and distrust. Even routine banking tasks can become unnecessarily complicated due to outdated processes and poorly maintained platforms. Staff morale suffers as employees are often left to manage dissatisfied customers without proper guidance or authority to resolve problems. Overall, the organization exhibits systemic inefficiencies that impact everyone involved, leaving clients feeling neglected and staff overburdened. PC Financial’s inability to provide reliable service reflects poorly on its brand and undermines confidence in its operations. Urgent reforms and improved customer support are essential for restoring trust and operational efficiency.

I got a PC Mastercard because I wanted a Mastercard product and I was already a user of the optimum program. I did not have the card very long, just a few months, when it was declined at the grocery store. I went on the app and it said the transaction was declined because the account was closed. So I called the number I was provided, and sat on hold for 45minutes before the call was answered, then on hold off and on for another 20 minutes. I was told that my card was identified as being part of a "mass compromise" two months earlier. Nobody communicated this to me, I did not receive a new card, and I was still able to use my "compromised" card for another 6-8 weeks, which doesn't seem like a very good way to protect clients from fraudulent charges. So I waited on hold again while they issued a new card to be sent to me. I was then told that the new card would be mailed within 7-10 business days, but Canada Post is on strike so it may be delayed. I asked why they were mailing it then, since other card companies are using more reliable methods (my VISA expires this month and the replacement card was couriered to my house). I was told that that's just what they do... cool. Terrible service compared to other cards I have.

Absolute worst customer service.

Waiting on hold for hours. Had a claim denied when a seller from CHINA stole from me, great work PC I rarely use my credit card now only for emergencies and I will eventually cancel. As if you treat your customers like this. I was charged for something fraudulent sent to me that I actually even tried to return, shame on this company for standing up for sellers like this.

Your wait times are also ridiculous.

Atrocious service and then take no responsibility for their mistakes or offer any viable solutions. Poor communication and an utter lack of accountability makes them unreliable and a liability.

They closed my account without notification. A violation of federal consumer protection standards.

Account closures need to be provided in writing.

Yet they still took my paycheck are restricting me to daily E transfers of 3k and offering a mailed cheque (canada post is on strike), this is unreasonable holding.

They have failed to provide reasonable access.

This is the worst banking experience of my life

If you know whats good for you, you won't even bother with this craziness. Unless you like staying on the phone for hours at a time, listening to same song on repeat.

Oh, and they also told me something different every time I called them. I've called this bank 4 times now about my account closure and STILL have not gotten a clear reason for my account closure. Neither have they released my funds.

They've effectively stolen thousands of dollars from me at this point.

I applied for and received the PC Financial World Mastercard based on the offer of NO ANNUAL FEE. Even before I used it, the fee was applied to my account. I called and asked them to cancel the card due to the annual charge and they assured me it would be reversed on the next statement. It was not. I called again and was assured it would be reversed. 2 months later it still has NOT been reversed. I have contacted them several times online as I don't want to keep wasting an hour on the phone each time but now they just don't respond to my messages. Disgusting cutomer service and obviously a fake offer just to get my money. DON'T USE PC FINANCIAL.

I had a fraudulent charge on my Mastercard.. During the first phone call I was told that it was fraudulent and they would remove the charge..Got passed off to 4 people. Their fraud line doesn't work BTW. On the next call then they told me that no they can't do anything and I would have to get the money back myself and ask a fraudulent company to reverse the charges. These people don't know their job.. We had bank accounts with them previously and had nothing but problems. Nothing like being passed off to 4 people then they dont answer after being on the phone for an hour .AVOID..

Waited for over an hour to resolve an issue about payment not showing up on their side. The customer service rep. put me on hold few times and then the last time it disconnected. I had to call back the same issue not resolved. They don't speak English and don't understand. I had to repeat the same question few times. I'm fed up and will cancel my Master Card. Very disappointed. The customer service doesn't exist anymore. They have outsourced to a third country who barely speaks English and can't resolve any issues.

People who say they dont hire a lot of people i saw on there website they are indeed hiring

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