President's Choice Financial Reviews

Great rewards but nonexistent customer service. Takes forever to get through their automated defences, hoping you will give up. Then when they transfer your call, it drops and go back to battling the customer defences.

I have been a customer and user of the PC world elite MasterCard for quite a while now. When I saw an offer to upgrade my card to the insiders world elite MasterCard with the 1st year no annual fee I jumped on it. Little did I know they lied and charged me the fee. After about 6 phone calls talking to numerous people was told I would be getting either a refund or the point equivalent. That has been over 2 weeks still waiting.

I really love the fact that this bank pay me to do business with them. I get an average of 5000pts (5$ in store) to have my money deposited in their financial institution. BUT I dread the moment I need to talk to a human of their customer service. I also feel like the app is not very useful. Many problems that I've had (trying to cancel e-transfer twice because of my error) could have been probably programed in their app but I had to call the customer service to do it and on both instances it was more than 1hr long wait times.

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. If they're going to place an inquiry on my credit report, send me an approval email AND send me a physical card, I deserve to know why they changed the status of my account.

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.

Terrible customer service. They just screw you around. Had 3 different interest charges they said were all the same. After I closed my account with them, (had a letter from them saying closed with 0$ balance). A month later they charged interest to my closed account and said it was a valid charge. They were supposed to waive it but never heard back and they don't pick up when you call. The service and hassle is not worth the no fees.

Concierge Service is useless. Called them 4 times before I got through (line was down), finally put in my request. They said it would take 24 hours. A week later no response. I asked them to email me but apparently they were phoning with no caller ID so I didn't pick up and they just closed the case. Be prepared to wait on hold for a long time before getting through. Agents are extremely rude and don't care at all.

They absolutely refuse to help when fraud happens to your account!!!! Talked to someone on the phone who put the fraud in and sent a new card, then went and cancelled that card and told me I had to speak with someone in order to get my money back. Tried calling and writing SEVERAL times. NO ONE calls or writes back! Get a bank account where the company actually cares, not one that makes being a single mother even harder!!!

Been with this bank for two years and then I had a scam. So cancel my card got a new one and as soon as I got new account I paid one bill on it and now I can’t access my money in my new account. Been calling them and been getting runaround one excuse after another. Don’t recommend this bank.

If I could I would have given 0 rating. Worst customer service ever. Don't waste your time with this institution. The CSRs have no idea how to resolve anything. Frustrating after on hold for an hour that they have no idea what is going on.