President's Choice Financial

No idea how this has any stars - an absolute joke of a Company. Applied for the PC Mastercard and received approval. No card for several weeks and so called them - they basically stated that I had actually been unapproved due to "process error". Asked why they hadn't contacted me to let me know was met with nothing more than a I don't know but basically ended up being human error. I spoke to this individual called Jesse who stated this happened all the time at the Company. Told me to reapply and should be able to get it approved. It wasn't. When asked why, they couldn't tell me but it didn't align with their lending policies, whatever that means. Honestly a joke of a Company - Loblaws must be bleeding money with these people running it.

I signed up with PC Financial to move our banking over to their 'Money' account. I already had a PC Mastercard. The experience was absolutely awful!! The website kept glitching, I tried everything and was unable to use my Money account. I couldn't transfer, fund it or anything. I tried different computers, clearing cookies, cache etc.

Worst banking experience of all time. Worst customer service. Longest wait times. Customer services reps cant do anything to help you. If you like waiting on hold for an hour just to be transferred to a voice-mail that never calls you back this bank is for you.

I have signed up for PC Money Account by thinking I will save some money on everyday groceries and it went well for 3-4 months then suddenly no points were getting added to my PC Optimum account out of my total expenses!! The sales person told me I will receive 10 points for spending 1 cent by using PC Money account in participation stores and I received it under "PC Money Account Spend Promo" for initial 3-4 months and then suddenly it disappeared. Now I am owing to PC Optimum a sum of 45000 points and I have already 2-3 cases open with PC Optimum department and 1 case under PC Money account department but so far no outcome. I have been calling 2 times every week to PC Optimum department and every single agent saying specialist/escalation team working on it!!

What seems like a value add with points to save on purchases becomes a nightmare if you EVER have to dispute a transaction or deal with fraud. The online method with a robot in chat is a neverending circle of nonsense, and finally a phone call. That was answered relatively soon, but even after contacting the merchant directly to verify the preauthorized order is Canceled, received email confirmation, etc... this is still not reversed, and PC states it can take up to 15 days, which is when we can proceed with a dispute if the charges are not reversed.

Do not get this card or even deal with President's Choice Financial at all. Customer Service is absolutely horrible and money just happens to go missing out of your money account and due to terrible customer service, you don’t get it back. They drag it out saying it’s because transactions are “pending” - but regardless the math does not add up. So many times I’ve had money just leave the account with no trace. More money gets deposited to the card than gets spent - yet it’s all gone. They are straight up thieves.

I had a PC Mastercard and PC Money Card - The money card was closed when I got the Mastercard - There was a credit in the account - They could not refund or etransfer out - Took 7 or 8 long phone calls, email and escalation - In the end I made a payment to my utility company once they re opened the account. Ok for Christmas I made a purchase around $3000, they flagged the account and locked my card out, no phone call, no email, no info at all - Called in after a few declined transactions, long hold time multiple phone calls - They canceled the card and put a hit on my credit score - All I got was sorry lost all my points... They said to re apply in 3 months, but I need to send in copies of my personal ID and personal banking records :(

After calling the Fraud department to report unauthorized issuance of balance protection plan on my credit card. Their process is to phone me back within 1 to 2 business days. When I am a victim of fraud who do they expect me to reply to a phone call and answer questions that could put me under further risk as anyone could impersonate their call. The process should be that they allow me to call them and then I trust which party I am calling, they can do the verification they need and then address my situation. When I asked to escalate to a manager, the reply I got that the manager will phone me back. So same story goes on.

I had an account for 2 years prior to this ridiculous incident and had a great report with them. My account was always in good standing! Last January I had lent a fellow mother $40 for formula. She paid me back the $40's via etransfer... Months later I go to use my card and boom account is locked so I call, sit on hold for 2.5 hrs, spoke to 6 different people before someone was able to have authority to transfer me to a supervisor. I'm told there is nothing I can do... like what? Then I find out the fellow mother was a victim of fraudulent activities regarding her bmo bank so because I had received a $ 40 email it was now frozen. I was evicted 2 times because my cheques were directly deposited and my income support worker would not put another bank on file because I could not get a closing account balance.

Someone hacked into my optimum account and was able to redeem points without a card. They did it with a phone. I wasn't made aware that you can redeem the points from a phone. And I'm sure many of their customers don't know that either. Absolutely horrible security. Can happen to anybody. Customer support does not care at all. They say someone will call, but they never do. All customer support can do is read a script. They're not actors. Also when points are redeemed, you are not sent any notification. Your transaction history can all be on one side of country and someone can redeem your points from the other side and customer support will think it makes sense.