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I have had a RBC Visa for over 30 years. I am trying to keep my credit card use under control so I hadn't used it in over a year. It had zero balance throughout that time with a credit limit of $10,000. Suddenly I was informed by my credit/identity protection company that RBC had closed my Visa account in December 2018. I had no notification or knowledge of this, and my credit rating took a huge hit and is now at a "poor" rating, after having been "good" for decades. I called to find out what happened and was told that the annual fee of $20 (due in August apparently) hadn't been paid so they closed my Visa account. I told them I knew nothing of this fee and no one had contacted me to notify me of either the fee or the closure.
They said they had tried to contact me by phone on a few occasions but no message was left and they did not try to contact me by letter or email. So - without having made ANY ACTUAL contact with me - they closed my Visa account, a card I have held with them since I was in University. This is terrible, uncalled - for and pathetic service by one of Canada's major banks. I am livid and am spreading the word that RBC is the worst bank in Canada. I withdrew my bank accounts from them about 8 years ago due to bad customer service and now they have let me down again.
We were taken advantage of and lied to regarding a credit line. When we renewed our mortgage we got a credit line as well. Come December the rate doubled!! We were never told and now they say our rate when we signed was just a promotion!! Branch manager said he'd look after it, he didn't, we now pay twice the interest. Should BE CRIMINAL!!! The last response from them was "I do appreciate that rate adjustments are not pleasant" REALLY?!? They doubled the rate without notice, CROOKS!!!
First of all that temporary card you can't do ** all with which made it so I couldn't get a rental car when my car was stolen with my debit card in it. Had to wait 7-10 business days for a new card but any other bank actually has their systems up to date. Not to mention the fact that the RBC atm machine at RBC still wouldn't accept my card. I hate RBC more than any other bank. STAY AWAY FROM GETTING AN ACCOUNT HERE.
It was so easy for a hacker to gain access to my account through a mere text message. I lost $900 because of it. I tried TD first, but their security was good. Then RBC fell victim to this 3rd party...
My mother passed away on June 18, 2017. I just wanted to write to you about the experience my Dad who is now a widower with his bank. His Bank the Royal Bank illegally took money from his account without permission to pay off an line of credit $50k. Then the jacked up his mortgage by $500 dollars a month and wouldn’t decrease it for a year. Even though 3 times we filled out paperwork and they said they would and then he had a line of credit that he was planning to get address to which he had a week ago. And the bank closed without permission.
He is 81 years old. He cashed out his RRSP to have some cash on hand for expenses. The bank has constantly lied to and manipulated saying one thing doing another thing and doing things that are illegal saying it’s bank policy. I have looked up the laws. I’m writing to you because I am hoping that you can help him and shed some light on how evil they are and the people who work there have manipulated things for their benefit. It is just mind boggling what they have done and tried to get away with. It is amazing these crooks are in business especially with all these reviews. Government. doesn’t care though all the care about just like the bank is lining their pockets. Sick and evil what these SOBs do and get away with.
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Do not fall for their iPad **. I was with TD everything running so smoothly and RBC asked me to come back. They told me I just need 2 payrolls to enroll. This was done Sept 12 2018. Dec 12 2018 still nothing on my iPad after numerous calls emails etc. I finally heard from branch manager who said sorry because I was with RBC 2 years ago I dont qualify for iPad. So no letter nothing saying this. In fact when I went into RBC to open new account they used my old info from before right there in front of me and they never said, "You dont qualify for it" and kept saying, "6 weeks you will get iPad." 12 weeks later after no word on iPad I called time after time for them to tell me this. I changed EVERYTHING payroll auto withdrawals etc just to get screwed by RBC. Stay away from them. Once they get you they no longer care.
Never fall for RBC promotions. One rep named Manpreet called me at 10.30 pm on June 12th, promoted to open a checking account saying I would get an iPad once I set up two pre-authorized payments through the new account. She said I should not cancel the new account for a period of one year. After showing me the benefit of it, she over the phone opened my account, transferred my mortgage payments which were smoothly going through my TD accounts, and I authorized my Hydro payments also through it.
So far, despite my multiple calls to UPS and RBC, different reps tell different stories, most of them rude. And one of them asked me to contact Apple, though Apple has nothing to do with their own promotion schemes. They shamelessly charge a service fee for my checking account as well. Last guy I spoke to at RBC said he will send an email to my local branch manager to take care of it, and asked me also to leave at least a voicemail, which I did. And so far not even a courtesy call from the manager. So guys, do not fall for this hoax from RBC.
Can't believe in this day and age that a bank like RBC has to manually input data when you request a bank statement. Took 7 months to get bank statement and still waiting for the rest of it. They lost my money and wants me to sign a bond of indemnity so they can look for it... Do you believe this?
Disgusting Practice in RBC Lundy’s lane, Ontario. My father passed recently and my mother set up an appointment to transfer all my father’s funds over to her account and to add myself as joint holder, suggested by her lawyer, in case something happens to her I can step in to pay her bills... Etc... Which prior to my father’s death they both came in together to discuss this. The representative at the first visit sends my mother home to think about putting a family member on her account. Then we come back again today to get this done, I work full time. Don’t have time for multiple visits, it’s her account and she’s asking me to be added if she needs it down the road. The representative again questions her, seriously.
Then he ask for my information, does a credit check on me, takes all my personal bank information like I’m some criminal... I was furious, how dare he treat me like some elderly scum offender, like I’m going to steal my mother's money and go to Vegas. How dare he obtain my personal information and history. I don’t have an RBC account and after this treatment my mother is looking at pulling her money and heading over to CIBC where we did the same 3 weeks ago by phone with no hassles, came in signed papers and brought in death certificate, etc... Disgraceful, unprofessional treatment by bank advisor on November 23, 2018. He knows who he is, he bragged about his wife working for Canadian tire fraud unit. Sorry sir... We will be looking at pulling out of RBC.
Over the phone for the security questions, their questions are baseless. No concerns with the identity of the person. Just confusing questions. The representative was so rude and barely knows how to communicate with client. And then denied to process credit application because he said “I don’t think your answers were right”. On the other end TD Trust took one day to approve it.
I had an RBC employee cancel and apply for a new credit card without my knowledge or consent. I had been at the bank for a completely unrelated cash transfer however, when I left the employee had not closed my profile and proceeded to manipulate my accounts. I have gone through all of the channels at RBC with little concern from them. Adding insult to injury I recently learned that this employee was promoted! Appears they not only condone this abusive behaviour but reward it.
My name is Muralikrishna **. I opened my checking account recently. Deposited cash in 2 consecutive days, got the receipt with updated amount. After 2 weeks, they hold one of my deposits. When I call customer service, response is so irresponsible. They are very rude. My issue is not resolved yet. Never experienced this type of issue and this kind of customer service. Please think once again before you open the account.
We were flooded in 2017 and after a lengthy negotiation with the Government we chose to demo and rebuild our house. We had a balance left on our home line which gives the bank the right to block any demolition. So they are. We have documented proof that the government will pay us over and above the amount showing on our balance yet the bank refuses to give us a bridge loan for 1 month and they refuse to give us a letter advising it's OK to demo. They are costing us money in interest and in delays in our rebuild only because they can. They have been more than obtuse in their reasoning. Anyway stay away these guys are bloodsucking crooks - By the way 20 year customer who has RRSPS with them covering more than the amount we needed to borrow.
After 3 1/2 hrs with a 'licensed insurance agent' I believe that poor service is the norm at RBC. I have 5 vehicles with RBC and just removed 3. I only basic coverage on both and they cannot get that in place. There are options on my policy I did not authorize and their agents have no ability to address concerns in a timely manner. They have mailed me 2 policies since my calls began and still they cannot take a simple request and complete it. I am forced to spend a min of 1 hr per call (I start my calls with I with, I don't have an hour and they take an hour anyway). Call just to get it wrong again. I will be moving my vehicles as soon as I can find a better company to deal with and my shares and accounts will follow. This company will just let you down. Go somewhere else and spare yourself the agony.
Every so often I try to log on to one of my Royal Bank online accounts. I enter my account number and my password which I know very well. I get a message that says "that's not what we were expecting". After a few tries I usually just give up to try later. Next time I get the same message. What they really mean is "we have locked you out of your account". Maybe if they were honest and told me the truth "we have locked you out of your account" instead of "that's not what we expected" I might not be thinking about moving my accounts somewhere else. Once they sent me an email saying someone had changed my password. When I called them, it was them who had locked me out and no one had changed my password. Try telling the truth when you lock me out of my account instead of wasting my valuable time.
I Maria ** deposited 2 checks ($6000.00 Balance transfer check and $3000.00 a personal check) at ATM last Sept. 26 and 27, 2018 respectively. Unfortunately, I am unable to access my bank account at ATM. Went to a bank teller to get help. Waited for 1.5 hours (Barnett Highway Coquitlam Branch). The issue was not resolved and was being told to visit my branch (North Road Branch) to bring 2 pieces of ID. The RBC Barnett Branch check my ID already during my visit. Why do I have to visit my branch - North Road.
Instead, I called the North Rd branch and asked the customer service to transfer my call to a Branch Manager. Two hours later, the Asst Branch manager - Carmela returned my call and she was useless and have no clue as to why my funds are frozen. I visited the Barnett Highway branch for the second time, the RBC Barnett Highway branch manager, Cheryl has no clue why my funds was frozen and was being told that my account was delinquent that the interest for my credit line was due on Sept. 27 2018. Of course my funds are frozen.
Called Carmela again on October 11 2018 to discuss a letter received from RBC quote "Due to a discrepancy in the transaction, your account has been debited in Sept. 27, 2018 in the amount if $6000.00 for the following reason: 1040-Duplicate deposit." Carmela never returned my call (her customer service failed). Three hours later, Kevin of RBC returned my call instead of Carmela. He apologized and explained that RBC decided not to process any balance transfer checks effective August 30 2018 and no letter sent to their client to that effect and why Carmela and Cheryl (being asst branch manager and a manager respectively) has no clue. The customer service I received from both Carmela and Cheryl are negative reviews.
Deposited a cheque to my business account from Another RBC Client. The full funds were available to use next day and the cheque had cleared (was told that by the business teller at the bank). After waiting another day I needed the full amount of funds on the account to make payments. After using the funds and a few days pass by I check my account using online banking to see what I had in my account and saw that the cheque that was cleared and deposited into my account was reversed back into the customer's account.
Got a call from my customer to inform me when they went to the bank and found out that the money was back into their account (them being from out of the province couldn’t reissue a new bank draft). After a few minutes of talking to them to get this all figured out and sorted out, I called the 1800 number on the back of the card. Waited about 20 mins just to find out that they had reversed the funds back into the account it came from for being issued as a stop payment when my customers clearly said they didn’t do anything or knew what happened. Told the lady on the phone that by law if the cheque has been cashed already they cannot reverse the payment on the account. After she couldn’t figure out to tell me hangs up. After a few hours I can’t access my account anymore to transfer the money to my account that my customer sent again by e transfer this time.
I recently received a USD wire into my US Personal account for $61,856.33. All of my accounts were restricted to "deposit only" access, and I am able to access neither these funds, nor any of my CAD accounts or other products with RBC. I have visited my home branch in person, and was told the funds are under investigation. The bank refuses to provide any additional information, and will not give me a timeline for when the funds will be made available. Essentially, all of my money with RBC is being held hostage for an indefinite period. I am unable to pay credit cards or any bills, since all of my funds (not only the wire under investigation) are being held. Furthermore, I have received may five figure wires in the past from the same source as the wire being investigated. I have no idea why RBC is arbitrarily causing issues with this particular wire.
I am attempting to apply for a unsecured, personal loan through my bank, RBC. I have accumulated debt which is "not RBC related" and additionally debt which "is RBC related." I am sure most RBC readers can relate to similar financial circumstances. I shared a pleasant conversation with the customer care representative from the RBC customer care center in Mississauga today. Over the phone. I don't live in Mississauga. She was prompted to call me at home because I registered a complaint file with the "BBB." My complaint relates to my declined application for a loan. She explained at the beginning of our conversation she does not have the authority or power to approve loans. She explained to me when I mentioned the department, "The RBC Ombudsman" didn't actually do anything for me because the RBC Ombudsman wants clients to contact the RBC Customer Care Centre before we contact the Ombudsman.
They want me to contact the Customer Care Centre first?? I have on many occasions. I have a long list of notes to secure messaging through online banking. RBC clients know what I am referring to when I mention secure messaging. I had to keep records because an RBC representative can offer one thing over the phone and something different the next time you speak with them?? She explained even if I was approved for an RBC loan, a loan to consolidate my debt, RBC would consider a loan to pay down my debt which "is RBC related" only. She offered the loans specialist would consider "all aspects" of a loan application. When I heard her offer the last point, I replied with, "...no they don't consider ALL the aspects... " However, she politely listened to everything and offered to contact my RBC home branch to re-apply my loan application.
I declined her offer to re-submit the loan application because I wanted to wait until my credit score updated then negotiate a loan with another loan company. She offered her first and last name with a contact phone number. I genuinely thanked her by stating what she offered over the phone was more information than I had received from the RBC Ombudsman and the RBC Loans Specialist. Did I make any real progress though? My creditors outside RBC can't help me with further loans because I have "...too much RBC debt on the books... " on the other hand, RBC will not offer me a loan because "...I have too much debt on the books outside of RBC... " This is an interesting "catch 22" situation.
My advice. If you are drawing a disability income like I am, do not accept the RBC Visa Card or an RBC line of credit. My credit score is not in arrears, there are no collections on it, or legal files against it. But, I am not eligible for a loan. I am a good client with RBC, my sole bank, having deposited over "$200,000" in my chequing account since I first opened it in 2008, and have investments of $25,000. Sure, I have paid rent, food and the usual interest and service charges from that $200,000 but, I am simply another fish in the large financial market RBC mines every month. I wish everybody success with their cases with RBC. Don't give up.
5 trips to the Golden Mile place and 6 calls to customer service to set up a chequing account. First cheque was lost but when found no hold, second cheque deposited was placed on hold, bank card deactivated 3 times, website access denied after cheque was placed on hold. Hassle trying to get cash for monies in prior to the second cheque. The constant follow up and trips and time lost beyond disappointing.
I have a RBC credit card that I’m enrolled in the hardship program. I have been paying my monthly arrangement on time and wanted to continue the service. The agent was rude, accused me of being a liar, did not explain why all these questions needed to be asked. She kept me on the phone for 45 minutes. I felt she lacked people skills, communication skills and the decency of being a human being. RBC needs to train their staff on the basics of customer service and the value of clientele. At the end of the day we are all people and respect is a two-way street.
I called RBC auto and home insurance department and first the automated system stated the wait time would be half hour. Within that time frame I was able to drive to an RBC branch for a withdrawal, stop and purchase gas, then return home and still end up waiting for an 1 hr. I was annoyed and hanged up then tried my luck again to only find out that the wait time is now 1 hour and 30 minutes. Seriously?! RBC please provide customers with the option to schedule a call back time. It's not fair for customers to sit for hours and wait for your business when there are other competitors out there offering such services.
The credit card people told me, when I queried a double request under "authorized transactions" that it was the fault of the merchant but they wouldn't let it go through. The next day it did go through and took away my remaining credit on the card so various bills were not paid. The credit card people were rude and unhelpful. For example: a. Please increase my credit limit or refund the money immediately. "Can't. It's procedure." b. Can I speak to your manager, please? "No, it's procedure and as I'm following it, they'll just tell you the same anyway." No focus on the needs of the customer at all.
Then, although many other banks increase the $2500 limit for people, RBC will not! They proudly say "we like to just watch the other banks and see how it works". Not a thought for people like me who travel and need to conduct business online. The rest of the world allows transfers online which take about 60 seconds and are up to the equivalent of about $80,000 each day but Canada and RBC especially only $2500???
Reps an RBC Mortgage agents have misinformed us. Even with emails to prove it. RBC never wants to take accountability for its employees. Even now we paid off for our car over a year and it's a hassle to get it updates with the insurance company which bears the name RBC - they say RBC insurance is not really RBC. Well no matter your partners and should not have difficulty updating a car that was paid off over a year ago. When we were buying our second house we were given in email different loan amounts on RBC letterhead then they changed it and said mistake like mortgage officer we don't honour mistakes by our employees. What a joke even though I have it on RBC letterhead signed by their loan specialist. No accountability for their system and employees is RBC.
Today, I went to the Royal Bank in Penticton. They have just amalgamated 2 branches, same number of tellers for a population of 30,000 people. There was a lineup of 15 people, out the door. So I decided to go to the bank machine to deposit a cheque. The machine took my card and wouldn’t respond. I asked a staff member in one of the offices if she could get someone to help me. I stood by the machine. In a few minutes, it make some noises but my card did not appear. A teller came out and rudely insinuated I put the card in wrong and that she would now have to put an out of order sign on it. I asked, “Well what do I do now” and she rudely said I need to cancel my card then get a new temporary card. I asked if she would expedite my issue as the lineup was long. She replied she could not.
I got in line and when she went by about 10 minutes later, I asked her name, she rudely said, “Just a minute”...she came back and gave me her first name only and said that the assistant bank manager was aware of “what was going on”. I waited another 10 minutes still the lineup, hadn’t moved much. The same teller “Marcia”, came up to me and handed me my card without an apology. That was 30 minutes of anguish for what? I didn’t understand why she didn’t just get it in the first place and why I had to be singled out for her bad day. With the amalgamation of the two branches and very long line ups, customers should be treated fairly and with respect! Clearly this woman needs some training on service if that is the business she wants to stay in.
I went to Montreal mid July, before leaving I sent £2,000.00 to my family member who lives in Montreal thinking it was the best way for me to have the money already in Canada so I could relax knowing that everything was sorted. The money left my England bank on the 21st of June and I was told it would take 5 to 10 working days, after waiting for more than 6 days me and my family kept asking the respective banks for the money but without success, I contacted my England bank asking for answer but the only thing they could do was to sent emails to the RBC which never answered any of the queries from my bank in England.
I went to my holiday using my credit card and residuals of my savings but the worst thing is to be counting the pennies and not been able to enjoy your holiday. I came back from my holiday, my bank had compensated me for the damages but the bank in Canada had not even pay the money into the account it was send. My family member contacted the RBC and complained about the way this issue was handled and the money was put into the account the following day (04/08/18). Just a reminder of the bad professionals, control, audit and management this entity has. Extremely disappointed as the banks I am accustomed from England are serious and very professional. What a disappointment.
We opened two accounts with RBC. Jamie ** of the Salmon Arm branch spent 3 hrs with us, first opening a savings account and then a US high interest US account. She was very patient and walked us through "online" banking explaining every step in a detailed but user friendly manner. She explained various services, costs, disadvantages and advantages in a very friendly and professional manner. When we departed we had Client Cards, Canadian Mastercard, US high interest savings account and US Visa card applications, and had deposited monies in all accounts. As we travel every spring to Arizona this will relieve us of the extra financial expenses we have incurred in the past. Thank you Jamie.
I got a mortgage from RBC, and I was told by their mortgage specialist that I needed to open a bank account with them to receive an incentive she claimed they were offering. So I did so, with a very unhelpful person named Gary ** at Royal Bank Plaza in Toronto (it was an account that required a credit card and another bank product to have the monthly fee waived but when I tried to contact him to set them up, he ignored my messages). Anyway, when I tried to active my new ATM card by doing an ATM transaction, it told me I had to go to a branch. When I tried to log in to my account, it locked me out. When I went to a branch, they told me that my account was overdrawn.
I asked, "How could that be? I've never used this account." They told me that there was some mortgage charge for over $250, which I hadn't been told about, and that the promised incentive, which was supposed to have been credited when my mortgage began, was nowhere to be found. They sent an email to the mortgage specialist, who didn't reply. I sent an email myself and left her a voicemail message and no reply. When I call RBC's customer service number, they say only she can deal with it. Beware. This is how this bank operates - by lying about incentives to get you to open a bank account with them, then taking money out of it without telling you, and ignoring you when you try to get them to fix it. I haven't even made my first mortgage payment yet and I'm already regretting going with RBC.
I have been really upset with services provided by RBC a few times. Last time it was the RBC customer service. I thought the customer service is meant to be helpful. Instead, I felt myself kicked off. The man on the line was speaking polite sort of but the meaning of what he was saying was arrogant. He certainly was not helpful. I was left puzzled and angry with his attitude towards my problem.
Worst bank ever. Their accounts are always kept in an unordered fashion, they want to NSF you quicker than making any complete payment. I've had NSFs for amount of less than 2 dollars as well. They are generally very unhelpful with almost any situation, this bank just takes no caring on how long you have been with them!
Royal Bank of Canada Company Information
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- Royal Bank of Canada