Royal Bank of Canada Reviews

I went into the branch in Terrace B.C. Canada on Approximately Dec. 22 2019. I wanted to cash a cheque that my company wrote for me, because auto-deposit was delayed. I didn't have ID with me. Rarely, but it has happened before. With other tellers, their response was, "not a problem Donny". But on this day, (a busy banking day), The teller who I'm 99% certain her name is Teresa", told me in a derogatory tone that "No! We can't cash a cheque without ID!!!" I started to explain to her that I had cashed cheques here before without ID, and began pointed out at least one teller with whom I've done so. She raised her voice to tell me to lower my voice and that she didn't like my attitude!?!! I couldn't believe it. I am not an aggressive person. I'm calm and obliging. I was however, desperate to have my cheque cashed before Christmas. ??‍♂️

This bank is the worst bank I have ever tried working with. Tried opening an account with them for my business and it has been nothing but a nightmare! I opened an account online that required me to make an appointment to come in and finish the process. There was absolutely no appointments! This plus the rude service from the start made me to go another bank which has been a way better experience.

Used to cash in fraudulent Cerb payments. Phishing, scam, spam phone calls. Bad conditions applied on shared accounts in Quebec. Customer service not available over the phone. (Stuck on waiting line, after receiving an representative they hang up on you.)

The life insurance agent at RBC Fares ** offered me on several occasions to enroll in the life insurance with RBC as we used to play tennis together, each time I declined and asked him not to talk to me anymore about enrolling to life insurance as I am interested. To my surprise I received an email & package by post thanking me for enrolling to life insurance with RBC. I complained to RBC for being enrolled in something I didn't agree too nor signed or gave my consent for it. It appeared that the agent Fares ** had my personal information that he misused & he put his wife Credit card on the account hoping that once I am in front of the reality of being enrolled I will accept it & provide my banking information from then.

A few years back I had all my investments with RBC. Over a 7 year period of time I did not hear from them regarding these investments. While talking to others about their investments I was surprised to hear that they hear from their advisor as many as 2 times a year. So I decided to go into the bank to find out who is looking after my investments and why I had not heard from them and generally why my investments really had shown little to no growth.

During this Covid-19 pandemic, RBC is not doing enough to help its customers. With many businesses (grocery stores, pharmacies, etc) requesting for payment via debit or credit cards, RBC still levies the charge if the transactions exceed the limit. My account only allows a limited no. of payments via debit card so if I have to shop several times a month (which includes shopping for my clients as well) this limit is easily exceeded yet I am penalised for using contactless payment. RBC has NO sense of compassion as many are having difficulty making ends meet, yet they try to squeeze every last cent from its customers who use contactless payments. It appears that making a profit during this pandemic is a priority for them.

Loan Protector Insurance declined coverage. Took out insurance coverage on line of credit. Took Ill and ended disabled. Insurer told me that since I had completed the medical care I should go back to work and stopped coverage. Was bad enough they had made several requests for updates on my status as permanently disabled. Basically for what they charge should just have taken out a simple insurance policy of term. Issue High Blood pressure. Rupture ended with plate in head and shunt under brain. Basically like a stroke for treatment. So now I have gotten past the stage where I was basically out. This took place over Dec 2012 Through July 2017.

On April 30th, there was a removal (Deposit Correction") of $2,000 from my 90 year old mother's savings account. I have called RBC numerous times, sent them numerous emails and waited on the line for at least 30 minutes to talk to someone from Client Care. I keep telling everyone I talk to/email at RBC that my mother's account never had a deposit in the amount of $2,000 and the money should be credited back to her account. As of May 22nd, I have received no answers and the money has not been credited back into the account. Regardless of whether it was a mistake on the bank's part, or fraud, we deserve an answer and the money returned. The saga continues.

Wrong...rbc tells me the account is in arrears. Wrong again rbc, I have a rcpt fr all payments made. Upon actually looking, you know...with eyeballs!

I deposited a cheque then wanted to transfer some funds into another account. Because the entire cheque didn't clear, they charged me a $5 overdraft fee... despite the transfer staying in another account in Royal Bank; I never actually spent the money or really dropped below my overdraft limit. I am trying to get the fee back. I feel this is a cheap trick to steal money from me. Watch out for RBC... I'd recommend other banking options.

I have received a government cheque due to the covid19 situation. After finally getting aid from the government. After 4 complete weeks of not having income and being the proud father of a 13 week old baby girl. I was told to avoid unnecessary movement in the heart of the pandemic in Montreal! I went to a smart ATM machine and deposited the cheque. It distributed a receipt with the whole cheque as proof. IT, being smarter than most of the staff I have spoken to and more helpful too.

I went today to the Sherwood Park, Baseline Branch, and I found they are restraining customers to do transactions in the till rather they send people to do it via ATM. They are restricting my freedom and liberty to choose the way of doing transactions. They are acting with paranoia doing this. I wonder if this is a branch policy or RBC policy or Provincial policy or Federal policy? If you put in place measures for social distancing, you are not acting with paranoia. This reflects an excess of limiting/restricting usage of bank operations.

Called Visa on April 7; on hold for 1 hr 3 minutes. Called April 11; only hold for 50 minutes. Called on April 13. On hold for 1 hour 30 minutes. Last time I called at 8 P.M. I was summarily disconnected at 9:30 P.M. This is GARBAGE! I understand they are busy given current events; but if you cannot handle the call volume, either hire more people or extend your hours. One star is extremely generous. They deserve -10.

Went to do some online banking with my cell and my password would not work. So, I decided to restart my phone and then tried my computer web access. It appears they decided to "temporarily disabled your online access"? For what logical reason? I guarantee you my password was correct. So, was directed to call. Spent 27 minutes on hold, then when I was finally speaking to someone they transferred me to someone else! I wish the TD Bank in town didn't close down!

I changed my banking from TD to RBC over 20 years ago... It has been an agonizing 20 years. I have all our products with RBC (mortgage, substantial investment portfolio, insurance, RESP’s, bank accounts, US account, Line of Credit). Unfortunately RBC has not treated me as a valued client. They charged us $17,000 penalty when we built our house under a construction mortgage (1st draw paid the existing mortgage and they dropped this penalty on us)... They had no remorse in doing this. Now the latest we purchased an investment property and gave RBC another mortgage and they mislead us on the mortgage... Signed a day ago (under duress) during the world crisis and I asked to change as I misunderstood the mortgage...and was told “too bad, you should have read the document”... I am disappointed beyond believe and feel betrayed. I will be transferring my business to TD once I’m able to.

Have $120,000 in cash, 17 days now still can't get it. Asked Royal Bank to transfer the my RSP account, which was already in cash to a self direct account, on March 3...earliest they would make a appointment to sign the papers was March 12, got a email on March 19, said it normal takes 24 hours, but they are so busy, don't know when they will get to it... WHO THINKS ROYAL BANK IS FULL OF **. AND JUST USING CUSTOMERS CASH FOR THE VOLATILE STOCK MARKET TO MAKE MONEY... While paying me .01%... Yes 1/10 of a penny interest on the dollar. Remember it's already 17 days, still waiting... When they say it's normally 24 hours to transfer cash into another account.

I went there to withdraw from my account. I was told to wait outside of the building until I was called. I was given no indication of how long that would take and mind you I'm in a line during the corona virus pandemic. No information was provided, not even a note was placed on the wall to inform anyone of what the procedure would be. A very unprofessional and unwelcoming experience. When I enquired about the waiting time, I was told again that I was to wait until called and that the bank closes at PM and if I so wish I could return the following day. I was not given an estimate.

On 02/21 there was fraud on my account and money taken. I reported it on 02/23 and they stated they canceled the card and would ensure a fraud report. All of it was lies because on 02/25 they let the same people back into my account to steal more money. I called them on the 25th to ask how they could let this happen. 7 times I was transferred, sometimes to wrong departments, to get "We canceled the card" but nothing on how these people are still in my account. On the 7th transfer they picked up and then hung up as soon as I asked the question. It is now 02/26. The people are still in my account and I can't close it as Rbc states they will not give my money back without an open account which is going into debt. I am sure they won't hesitate to charge me NSF fees though!

When I pay my employees, the amount to be paid is deducted from my business account (by RBC). When I look at my payment history, it doesn't show anywhere the $2,713.99 that I paid to my employees, so I felt a SERIOUS VIOLATION of TRUST against Royal Bank of Canada and so I (naturally panicked and) called up their phone support.

I have been a loyal customer of RBC for 15+ years with several investment products, credit cards and mortgage with them for 8+years. I am currently on a variable term of Prime -1% = 2.95%. A friend of mine has recently renewed their mortgage with RBC at a 2.59% rate for a fixed 5 years term. So I asked RBC to convert my variable mortgage into a fixed one at 2.59%. They have declined because they know that it is difficult for me to break the term and move to another institution (I will have to pay a penalty if I wanted to). No manager or Customer Care Manager returned my call or spoke to me despite my request to the Financial Advisor to escalate the case. If I was in the end of my term, the situation would have been different. This is not the first time RBC has treated me this way with no consideration whatsoever to 15+ years of work with them. Pretty disappointing!

Really disappointed with the service on my business Letter of Credit. Our office moved, so I called to change my mailing address on my Letter of Credit, because it wasn’t changed through my regular bank account (It is a service through Royal Bank, but provided by Royal Bank International Trade Center). After two phone calls and having to fax my change of address form back to them, I received my confirmation in the mail- a statement of $115, still addressed to the wrong address! If everyone charged $115 to change an address, no one would ever be in business after a move!

Rbc does not stick to their agreement. After having a mortgage with RBC for many years, and having signed an agreement with them, our bi weekly mortgage rate was mysteriously amended from bi weekly accelerated to bi weekly, this makes a huge difference in the period it would take to repay the mortgage and also the overall interest to be paid. When I approached RBC about this, I was told "Why don't you make a lumpsum payment to reduce the amount of your mortgage," in order for Rbc to re instate the bi weekly accelerated rate, why should I have to come up with additional funds to compensate for a mistake made by RBC. I have queried this with RBC numerous times both telephonically and by speaking to a financial consultant at the bank, and the answers I get each time is both devious and misleading, has anyone else encountered a similar problem with RBC

Having read other, similar and recent reviews, RBC has clearly forgotten the basis of the banking sector: the client. As a long term, multiple account and mortgage holder, I've been thoroughly disappointed by the lack of customer care, due diligence and overall corporate responsibility that RBC has shown. This is a marked deviation from the Bank that my family and I have come to know and trust. I can only speculate that larger, macro-corporate interests have sadly overtaken what was once "our bank". Sorry RBC, you're losing people!

You can no longer call the 1-800 number and check your balance discreetly. You must announce publicly that you want your balance. Embarrassing. Disruptive. For this reason I leave RBC after 30 years for a bank that respects your privacy and gives options.

We recently opened a new E-Savings account to take advantage of a 90 day promotional interest rate of 2.5%. All the paperwork was done at the branch, by RBC personnel at Dollarton, in North Vancouver. We followed the direction of RBC personnel and deposited a significant amount of money. Now the promotional period is over and we are short $937.30 in interest. RBC are now saying the 90 day period began when the account was opened whereas before they were saying it began when funds were deposited. Our deposit was well within the allowable date parameters of their promotion.

We have been customers of RBC for well over 25 years and of late it would appear that they are not interested in high net worth customers. My wife and I have a joint VISA and she pays for the VIP Banking monthly fee of $30 which entitles her to a number of things including a free VISA card. Because our joint VISA is in my name they charge us $170 for fees on the 2 cards - every I've called up and they have reversed the fees because she is entitled to a free card and a free supplementary card. This they refused to do it. It is ridiculous that they could not fix it when we initially identified the problem. "No you need to close that account and open another one." We can't just switch primary users.

A bank draft for $28,000 to clear my line of credit was issued to the Masonville branch of the RBC on December 20th of last year. This draft was submitted by my CIBC representative, in person, and the money has since disappeared. I've reported this to 3 separate branches, and everybody just wants to distance themselves from this. I've since figured out it was misappropriated and is nowhere to be found. After 2 different people at 2 separate branches told me they would resolve it within 24 hours, they have since claimed no involvement in the matter when I said I would report it to the police.

The RBC opened a bank account in my name without my knowledge, permission or signature which is illegal. I complained and the investigation confirmed that is what happened and those involved would be retrained. The excuse they given by their mortgage specialist that committed the fraud was she had been given verbal permission by me which is another RBC lie because we NEVER spoke once. The truth is she stole my personal information off my partner's mortgage application to do this. RBC is disgusting.

I open the account in RBC and later on I open up The small business account as well. And I apply for the credit card they told me, "Your bushiness is new. Try next year." Then I try after a year. They told me to wait one more year and try again..so I have wait every other year to get the credit card. But didn’t get even one. By the way my credit score also good and I have a good saving. But I don’t know why I am not approved. So I am going to closed all accounts and find some good one.

The worst and most disorganized bank in Canada. I know it from the inside because I used to work for their security department. I got a call at the end of December because, surprise, I shopped. The phone call stated that I must call immediately because of unusual activity on my card. Happens every time I shop since I shop very rarely. They automatically make your credit card not work until you call a number they provide to verify things. I called it and followed the prompts but the automated system did not accept my valid postal code. THEN I got worried there was unusual activity on my card, beyond Christmas shopping. I was put on hold and threatened that if I don't hang up my credit card will not work anymore.

I have been with RBC for 25 years, I have multiple investments with them and I work full time. They have NO APPRECIATION FOR LONG TERM CLIENTS. I have never had any concerns with cashing cheques or overdrafts. The first incident they let my student loans take money without me authorizing it and refused to reimburse it (and no I did not sign for it prior and showed the proof of same).

I have been banking with RBC for the majority of my life. My mother set up my account for me when I was a child, and I used them until the beginning of this month. I have a credit card with them, I wanted to get a lower interest rate as the payments I make just cover the principal and not the interest. Client representative said she'd call me back in 2 days to see how my application goes (she hardly educated me on what she was applying for on my behalf). No call. So I called the credit card hotline, they said they couldn't help me either. It's not like I Was asking for MORE money, I was just asking for HELp. I closed both my chequing and savings account in the next coming days. They didn't even ask me WHY I was closing my account - THEY DON'T CARE. You'd think that client retention would be important to them. Never banking with them again.

This is the most incompetent bank in North America. It's a better idea to keep your money under your mattress. They froze my online banking, the customer service number made me go into the physical bank who refused to unfreeze my account. The customer service in the bank was rude unwilling to help they said they want me to get my phone cleaned professionally simply because I forgot to lock my phone before putting it in my pocket and having the wrong password put in. They charge me 10.99 to deny me access to my own banking. Go to Calgary first financial. Their services are way better and it's FREE! P.S. they charged me $50 for moving my rrsp after they refused to give me access to my banking. Do not bank with them. They are thieves.

We have banked at the Royal for over 35 years. Mortgage, RRSPs, personal loans, etc. We set our son up at the Royal a few years back and were planning to get him set up with a mortgage in the near future. Our son moved some money between accounts after 6 pm one evening then put it back when he realized he took from the wrong account. The bank charged him 40.00 for nsf the next day when a scheduled payment went out even though he had enough money in his account. When talking with the bank they gave some smoke and mirrors excuse about when the money was moved, we proved to the bank their excuse was wrong. They have no idea of how their system works.

Recently I moved to a new town and was excited that there was an RBC here. When I went in to change my address, the teller was initially friendly. I expected a "Welcome to the neighborhood, would you like to meet your new advisor," any of that, I wasn’t even from this half of the country. Nothing. My visa was expiring a few months later and when it never arrived, I called in. My address was never changed. Over the subsequent months I closed my TFSA. The tellers would not book me in for it though it was in mutual funds and I would have rather met with an advisor first to go over fees but nope. She had me log in to my online banking at the teller and shut it down. No retention of my business at all.

We purchased a custom Ford Transit 350 HD XLT with high top in March 2019. RBC was already covering 2010 Hyundai Elantra, so we asked them to add the van. Imagine our surprise to get a bill for $667/mo. We thought the rate was high, but this was our first new vehicle so we didn't really question it. Later we decided to switch carriers and CAA quoted us the same coverage for $130/mo. When we asked why CAA was so much less, they told us RBC was charging at a commercial rate. They also would not accept any of my US driving history, so instead of acknowledgement of the 30 years I've been driving and a pristine record, they charged me as if I'd only been driving for 2 years. Needless to say, we switched to CAA immediately, a savings of over $6000/year. I'm also certain they won't reimburse us for brazenly incorrectly overcharging us.

My mom called RBC this morning with my help (she's a little older and not great with technology). She had fraudulent charges on RBC Visa and after explaining the situation to them we were repeatedly told it was "just our word" and there was nothing they could do to help. She has been an RBC customer for 30+ years and I could not believe the lack of willingness to help. We will be cancelling her RBC accounts and taking her business elsewhere. I have been with TD for less than half that time and they text me themselves when they see suspicious activity on my account, the one time it was fraudulent they cancelled the transaction immediately. We will NEVER be using this company again.

After asking lots of questions, I closed an account with a different bank for my small business, since RBC offered an account with unlimited and 'free' electronic transactions. I specifically asked if I could pay my CRA remittances (payroll deductions, GST, etc.) electronically. 'oh, yes, for sure!' was the answer. Over the last 3 years I discovered

Been on hold now for over 30 minutes and still no one has picked up. Got a call about a charge on my card I didn't authorize, sounded fishy so I hung up and called the number on back of Visa card to make sure everything was ok with my card. Still waiting. I hope whoever is make illegal purchases with my card aren't still using it or they will have lots of time to rack up a serious bill!!

If you have to deal with their estate department, good luck. Policy varies from person to person. Cannot get a statement for the estate, been asking since August, won't even allow view only access to estate account even as executor.

Spend two days on the phone having to switch from 1 agent to another to book a ticket. RBC is not the place to deal with if you want real customers service. Everyone just reads from a script.. Total waste of my time. At the end with all my points it really did not make much of a difference if I would have bought directly from the airline and saved all the stress and effort that went into this booking. I will start shopping around for a better bank to deal with. My advice, stay away...

I called telephone banking because there was a transaction on my RBC visa that looked like fraud. Waited for over an hour before anyone took my call. These wait times are unacceptable. There should be more customer service representatives.

Please DO NOT use this bank, they suck **. They tricked my family over and We are moving because of that. Please everyone IF YOU SEE THIS... DO NOT...USE RBC. My dad recently died and we were trying to get his life insurance because that money is obviously my dad's which gives it to us, but one of the people there Took a cheap shot and now it's cut and dry because he told my mum false information. Please do not use this place. It’s sickening and the only thing good about this bank is their mints and that's all.

If you are looking for a bank that is going to tend to your needs from a service standpoint, RBC is not the bank for you. I have had constant issues as a finance manager for the company I work for and as a business owner. I can count several times where RBC service reps have ignored calls and emails which have led to difficulties in operating my own business and the business I work for. It always seems that when you are in need of assistance they are never around. Two representatives that come to mind are Tiffany ** from RBC Port Moody and Div **. Both of them were terrible at getting back to me and they both missed and cancelled meetings that were scheduled. This bank does not care about your time or business.

My mom is 87 and in Aug/2019 diagnosed incapable of managing her affairs. I had a valid POA and approached CRA, the pension funds, the province and was granted guardianship from everyone except RBC. Without explanation the bank refused to honour my mom's wishes in her valid POA. She remains in a facility and I am unable to pay for her care or maintain her property because the bank refuses to release or explain why it is stealing her assets. The people at Head Office won't reply anymore. The RBC Customer Care people stopped phoning after saying they have no idea what is happening or who is causing the block. The branch where mom banks refuses to explain why her assets are not being made available for her care. The RBC Ombudsman refused to hear my complaint because the Customer Care people refused to close their file.

I'm on disability. My elderly parents live with me. They have dementia and Alzheimer's. I have a vehicle loan and they keep threatening to take my vehicle because I missed a couple of payments. Worst bank.

I have account with RBC for 23 years. When you call them for any subject, you need to stay online for at least 45 minute. Recently they provide you horrible service. They are not cooperate with you at all. They are doing mistake and they will try to cover it. The operator is not qualified and they don't have any good direction. I don't recommend anybody to open account with RBC. Their rate is much higher than other bank. They are charge you more and even they are not provide you any good service.

This is has by far been the worst and I mean THE WORST experience I have ever had with any bank. Attempting to help my dad pay a bill online when access was denied I called in with him. After they verified him he gave consent for me to speak as it is hard for him to understand, the lady on the other end was beyond rude and 0 percent helpful and should not even be working in a customer service role when she clearly cannot comprehend what that means. She stated she was a supervisor, which was clearly a lie and if it's true that is very sad for RBC. She told us that if any fraud happens on an account where you have used a computer that you state you have ran an antivirus program on you are liable for anything that can happen to your account after.

I applied for debit and credit card two weeks ago, and I still haven't received any valid card. The temporary card I first got was demagnetized so I went in to talk to a staff. He said I should have received the card by now and if I didn't, I won't received it at all. He filed me a new card. Two days later, I got the debit card in mail. However it was declined due to filing a second card. So I am still waiting. I have to pay more money because I don't have a Canadian credit/debit card. I used my American credit though it has transaction fee. I don't know why I should pay for their mistake. I am switching bank. BMO only takes 3-5 days to receive a card.

I've banked with RBC for years. But recently, they returned my mortgage payment because I was $15 in the overdraft! I quickly transferred additional funds to clear up the overdraft. They returned my mortgage payment anyways. So, for $15 over, I paid RBC $45. On top of that, my mortgage company charges $199 for NSFs. In total I've paid $244 for being $15 over. Flippin' $15!!!! I ABSOLUTELY HATE RBC and all banks for that matter that make money on people's misfortunes.

I have been with RBC bank for ten years. Most of the time I haven't had any issues. I have lived in Asia for the past two years and this past year I've had so many issues with being able to use my credit card. I have not been able to book with many different hotels or airlines. I have tried with many different ones. Even American or Canadian airlines. My credit card will not allow me to do anything with it. I have emailed back and forth numerous times and the most common response I have received is "it's an issue with the merchant, not RBC." I'm really tired of having to have my family members book things for me because my own credit card will not work. I'm very frustrated and disappointed in the lack of assistance I have received. When I come back to Canada I will be changing banks, I need a bank that can provide me with assistance and allow me to do the things I need to.

I have been using this bank for over 35 years and only had a couple of issues that were taken care of swiftly and with the most upmost care and helpfulness. The thing I love about this bank is they work with you not against you. Prime example if you short a dollar most banks would charge a full fee where as Royal Bank would use a minus proving they would sooner have customers than grab money for a minor mistake like most banks. (Insufficient fee was not charged even though I had no overdraft with more than one dollar yet other banks charge even if it's one penny over which was done to me before.)

I arranged for and closed a mortgage transaction with RBC in early May 2019. I was promised $1000 cash for deposit to my account within 4 to 6 weeks. Three months later I am still waiting for the money. I contacted RBC several times. They promised that action will be taken and the item would be escalated. Even after their own internal 7 day deadline for resolution was imposed, I am still waiting and for the deposit. I am so disappointed with RBC. They can’t even meet their own expectations and standards of service - this speaks volumes about the service you can expect from them. The worst part is that you contact the mortgage rep directly, as well, as the Customer Service number and they do not respond or provide follow-ups. They apologize but that’s about it. They talk the talk but they clearly don’t walk their talk! I’m beginning g to think that the mortgage promotion offered to me is a scam. I would not recommend dealing with RBC!

Well, I would like to start off by saying Thank You Royal Bank. This is the 1st time in my life that I'm unable to pay our bills because my husband is in a nursing home and he was diagnosed with MS in 2017 and it has deteriorated him to the point where he can't see or walk, so now he's bedridden. For myself, I had a stroke in 2015 and I can no longer work. We both get Disability but mine isn't very much and his cheque goes to the nursing home, and his other cheque pays for our Mortgage on our house that I live in and I'm in the process of selling it. I'm having a hard time financially.

I like the convenience of online banking. It makes life very easy. If you would like to pay your bills in the middle of the night you can. No problem. I do not like the automated machine. You can't talk to it I just a pain. Other than that it's ok.

I have banked with RBC for 32 years, and was looking to consolidate debt. They told me that I probably wouldn't be able to get a home equity loan despite having at least 20% equity, and that a consolidation loan would not save me much more money. Then they suggested that I apply for a VISA with a 5.9% balance transfer for 30 months, I may not get a high enough limit, but it should help. I asked them "are you sure?" They said, “Yes, very likely you'll be approved.” Big mistake. They outright denied the application, stating that my debt ratio was too high. When I told them what their rep told me, they talked down to me, like I didn't know what I was talking about. They then told me I could get a home equity loan, and to come in the branch to apply.

We met Ratna in June 2012 as we move to Calgary. At that time both just got our jobs. Somehow we had a dream to buy our own house in Calgary. We were new to this town and looking for someone to help us in buying house. We already had an account in RBC. So we just gave a call to customer service and they referred Ratna's name to us. We met her in person and expressed our desire to buy new house. She was so nice and asked for just four pay stubs and processed for mortgage pre approval. She only says that wait for another three months to become a permanent status in our employment.

What a POS these PVQa are. This idiotic piece of software has decided in its tiny brain that my computer is no longer recognised as secure and keeps bombarding me with these questions whenever I try to sign in. This is truly disgusting and the worst security software of any of the big 5 or for that matter just about any Canadian bank. Do you guys have a deal with Bell so that when I dump them you make my life as difficult as possible?

Today I heard from the Manager. He was exceptionally good and dealt with all my concerns. He explained some of the reasons for the mishaps and how they will be rectified. I feel very good about recommending the branch now and confident with their care in future.

Hi my name is Fidi and I have been a client with RBC for over 8 years. I do not owe them money and my account always had funds. Last week I received a letter in the mail saying they're closing down my account with RBC. I called every department and they're telling me they can't release any information regarding this. They don't want to tell me why or what I did. I recommend not going with RBC to anyone. Whether you have line or credit or anything else, they will close your account with RBC with no explanation or reason. I WASTED OVER 8 YEARS OF MY LIFE WITH RBC AND IT WENT DOWN THE DRAIN... ALL WANTED TO KNOW WHY!?..

I have found their staff to be extremely helpful. Having worked in many financial institutions I can honestly agree that customers are more likely to provide a bad review than take the time to write a good review when warranted. I dealt with Royal Bank in the past and found the staff offered products that suited my needs and made suggestions even when I didn't have to ask. (I am not wealthy with perfect credit.)

Extremely rude people work on the other end of the phone. There needs to be some serious government oversight because this company does many things that are totally unethical. They charge fees after services have been cancelled. The second you call they cancel the fees. They are clearly banking literally on people that don't look at their statements in detail. Beware. This company only cares about short term profit. They do not care about their employees or customers. Find somewhere else to do business.

I've been a RBC client for nearly 20 years and recently switched my personal accounts to them from the credit union I have belonged to for nearly 40 years. Because I am a senior and can't always get to the branch, I rely on their on-line service to pay bills and manage my accounts. I have to say of all the on-line services I have encountered being in business, RBC seems to have the worst record. Half the time I cannot do any personal business because their system is "temporarily out". This is most distressing and given that I have to pay my bills on-line (going paperless!) I am very angry with RBC for not getting their act together.

Wow, I have never dealt with a more unprofessional business ever. I spent 1 hour on the phone with them and was preapproved for a loan. After waiting a few days for my appt I get a call 2 hours before and they tell me, "The person who approved it was new and so we can't help you." I can't wait to switch everything to another bank. Any bank would be better than this one.

Business owners stay away from this place. An hour long interview for a $5000 credit card and then tons of signatures. After 2 weeks I was again called back to bank to sign some more stupid papers. I had a credit score of 750 plus and with that history I could walk into any bank and get a credit. Credit card is still not delivered to me after a month and furthermore the account access card sent to me was blocked.

The bank put a deposit only message on my account, I went into the branch on Monday to have it removed. I was told the manager would review my account the next morning and contact me by the end of the week. So the next day before closing I went to the branch again and demanded to to withdraw my money and the manager refused and arrogantly handed me a pamphlet on how to make a complaint. I then returned the next day letting them know that I now have missed two days of work because I didn't have money to purchase gas for my vehicle in which he responded, "I told you I'll call you Friday." I returned again the next day and told them that this was the third day I couldn't drive to work and I was told to file a complaint.

I have a business account with RBC. I called them to request a line of credit. After wasting about an hour on the phone, the person I was talking to (he said his name is Jay) asked me to be on hold for few minutes and then just hanged up and never called again. I have never seen such an unprofessional services like this before. It is very apparent that we get connected with RBC employees who only want to do transactions that generate big bonuses for them.

The franchising come with everything in a neat package. Then little by little they start revoke credit cards and lines of credit. When that doesn’t make you quite they close bank account send letters telling you to bank somewhere else. Refuse to look into problems until you pay them extra and then make you pay fantium extra fee for BDO whom you never see before. They will discharge your loan when paid...STAY AWAY.

If RBC read any of these reviews they would have a better understanding that their customers DO NOT want virtual freaking customer service and wish to speak to a live person. Hire more people to deal with the customers calling in if that is the issue.

I have business account with RBC. Where I deposit cheques every month and all the cheques are from same one client! They been putting it on hold for 24 hours! Which was ok and now they started holding it for 4-5 days. I tried calling customer service where there’s no option to talk to Real person. Has to talk to their virtual assistant like stupid and then Finally it says he can’t help me so he gonna transfer my call to representative and no one answered call. They been putting me hold for 2.5 hours in process of transferring to someone real. After 2.5 hours phone got disconnected without talking to anyone. Switching my account to another bank. DONT WASTE YOUR TIME WITH RBC.

I applied for a mortgage at RBC. They advertise that their mortgage approval takes from 60 seconds to 3 hours. More than 2 weeks passed and they even didn't notify me that it was denied. So I've lost a chance to apply at other banks where I believe I could get a financing easily. Because of that I lost a lot of money. Their underwriters simply have no knowledge how to work with customers. I don't recomend RBC to anyone. Very poor service.

I have been RBC client for over 12 years, with the good background history with good income. I tried to apply for any service such as personal loan and line of credit but I was denied. It is a shame that a bank that I have no history with approved me for a very high amount of line of credit. I am thinking of switching over me and my husband both. I am so sorry to waste 12 years with Royal Bank of Canada.

I opened my account just recently at a branch in Dundas and Spadina last month. I plan to use it after a month, once I joined my next job at a new company. The advisor gave me a void cheque for the payroll direct deposit. I gave it to HR then receive my pay slip after working there for 2 weeks since I'm paid bimonthly. When I checked my account, I was wondering why my pay wasn't reflecting so I waited few more days 'cause there might be a lag or holding policy or whatever since it's a new account. I had to investigate if it's HR or the bank's fault.

I got a very attractive line of credit rate while working for RBC. As soon as I stopped working for them, they more than doubled it (10.35%) - banks I did not work for offer me substantially better rates. Another issue is that despite my making large payments on the line of credit that more than cover minimum payments, each time they also automatically withdraw minimum payment a few days after my payments. There is no reasoning with their 'support' staff (probably third world country staff).

Fraudsters and scammer who steal credit cards work with RBC employees and inside people on RBC to allow high-risk transactions, RBC failed to flag 2 transactions for 4000+ and 2000+ each in short time span. RBC is not doing anything to stop transaction, block card or even charge back. Their security call center is in third world country. Never trust RBC again, they are under RCMP investigation.

I have been banking with RBC for over 20 years, I have had 3 mortgages with RBC and have been a model customer. After my wife left me, I opened a personal checking account (previous was joint) and whilst doing so in the branch I asked RBC to transfer all the direct debits from the previous joint account to my new checking account. As I was in the branch doing this I wrongly assumed everything was completed. I work overseas and a few months after opening my new account I received a message from my daughter telling me I was in default on my RBC mortgage. I checked my account and the funds were there but had not been debited for 2 months. I immediately phoned RBC on a satellite from Libya and was told to go on line and transfer the funds to my mortgage account, which I did.

I have a small business and for over 10 years 2 bank accounts with RBC. I have received an inactive account notice on a business savings account stating that it has been over 2 years since I had activity on this account. In the past 2 years I have had interest deposited monthly and I deposited 70K in Nov. The reason for this letter and the notice that I will be charged $20 inactive fee is because I haven't used my client card on this account. I use my client card number almost everyday to access my accounts. How many businesses actually use a client card to do business banking? The whole premise of this letter and impending fee is insane. I will be closing this savings account.

4 years ago I was stupid enough to get an RBC West Jet rewards card. I always made my monthly payments. 6 months ago my son's father was unable to pay child support. I called them and they said they are writing off the card to "a third party collections agency." I said ok. For the past 3 months they seize 80% of every deposit, they seize child benefits, everything they can. I've lost our car over this, I'm unable to pay bills, buy food for my kiddos, unable to function, really, this has been the worst experience, the lowest low blows. The credit card had a 2k limit. They have taken $3,100 in 4 months. RBC IS THE WORST.

I make 100,000 ++ and own my own home and have very good credit. I applied for a home line of credit 16 WEEKS ago. Yes you read that right. They had an appraisal done and no issues there at all either. I’m not looking to borrow more money, just to tidy up some building/renovation debt. I get no calls, no updates, only a reply if I go over the agents head and still no answer about my financing. I get, I’m busy... I’m not at the office... I’m away on holiday... I will be sending all in for approval. I will check when I’m back to my office???

I booked with them yesterday to setup a business account. Today I get a phone call. "Hi, we're from ADP." "The payroll company?" "Yes. We were given your information by RBC." The booking agent for RBC had asked me on the phone if I wanted to discuss payroll. I felt it was a sneaky way to get a referral commission by exploiting my information. I have an appointment on Thursday and best believe I'm giving them the what for. I think they just lost my business.

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.

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.

I reported a fraud whom I paid after an online shopping. I called them right away after I learned that the site was fraud. All they do is keep telling you get a report from the police to show it's fraud and email it to us. When we had our report we wanted to send it to them but they said they don't have that address or whatever and that they can't refund us until they have the report. It's been a month and still no refund and when we call again they said, "What's the case number" and all. The same thing over and over. Still nothing.. What a shame to this bank. Very slow in helping their customers and the customer service people are rude. They don't really care about our concerns. I hope someday this bank will be bankrupt. They have poor service.

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.

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.

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.

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.

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.

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.

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 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.

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 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!

So I opened an RBC bank account because they had all these pretty advertisements about being a good bank. What a joke. Upon opening it, I was told that there are no holds, then there was one, I complained, and was told once my cheque from my work had been cleared a few times there would be no hold. To this day, after 4 months of receiving cheques that have never had an issue, they still hold MY money. After complaining multiple times, I have been told by several rude managers and equally rude staff, that they can choose how long to hold my money for based on my personal attitude. I dealt with one kind staff member after dealing with a manager who told me instead of giving me $100 when I cashed my cheque, she lowered it to $50 because I was upset. This nice staff member told me she can waive holds, any teller can, so for a while she was and it was great, all my bills were paid on time.

In 2017 after multiple tests I had quintuple bypass surgery, open heart. Although I have held the policy since 2005, and 5 days in hospital, with the surgeon's insistence of a minimum of 8 weeks recovery, and notification to the Bank, I was advised the policy only covered hospitalization. When I requested a copy of said policy it was not provided. Upon insistence it was provided 45 days later, with provisions and maximums not declared at the time of agreement with the original policy. My premiums to the time of my operation were 2478.24 dollars. The maximum payout being 36,500.00 dollars. Not part of the original policy. I'm not sure if I am the only one this has happened to, I would like to start a class action suit against the bank if your circumstances resemble mine. After all the Royal Bank has a dedication of too big to "FAIL".

I deposited a certain amount of money in my account. After a few days when I checked my account, I found that a debit of over $1000 has made and I am not aware. I called the my RBC branch. They did not know about it. On the next day I went to the bank, asked where did my money go. The spent over an hour and came back to me saying that the teller by mistake "credited $1000 into your account and we have adjusted it and we did not consider informing you." I told them that the teller counted the money in front of me then she went to the machine to count them again and then gave a receipt etc. But everyone wanted to secure their RBC colleague. I was asked to leave the bank. I tried at all levels in RBC but no one wanted to help. I closed my account and now decided to go to the court.

I've been living in Canada over 4 years and maintained a very good credit score (760+), 1st appointment I made at Kingway branch for credit card and other financial information he asked me to meet him after I get my permanent resident, after 6 month I when I went again (Surrey branch) with my permanent residence (Canadian Experience class category) which he don't understand what category 'CE' means so couldn't issue me a 1000$ credit card and suggested me to apply for other bank credit cards (American Express issued me 7000$ card). And gave zero information regarding home mortgage (which was my primary concerned). Time to change my bank with whom they treat their customers with respect.

When we began with RBC our advisor Miles ** said the TD Securities was selling us investments that only benefited TD. Now we are 10 years later and RBC has done the same thing. In the last 2 years he has moved our investments around several times which he hadn’t done in the last ten. When we got our last statement and saw we only made 2% last year we needed to talk. His excuse was that US hadn’t done well and that is part of the reason. Well the US market in 2017 broke records. Some of our friends and other investors I knew had done between 7-9%.

Worst of all bank. Stay away from this bank. Whatever they say is crap. I went to the Long Branch branch of RBC. I asked her if I will get a credit card or not, she didn't answer my question. I asked her several times, she said, "Come some other time. We will talk about it." My credit score was 740, they did hard check on my credit and my credit score went down by 90 points and later they send me a letter saying it's disapproved. I don't meet their credit criteria. Then they provide their information like email and phone number and asked me to reach them if I have any query but never ever they answered my email and phone. Because of them my credit score goes down by 90 points and I didn't get credit card.

RBC thinks that it is okay to generate several withdrawals, at one time, bounce the pre-arranged debit, rather than decline a $2 charge, have their app present an incorrect balance available then charge $45 in nsf charges for the account being $1.71 overdrawn with funds readily available in the savings account. I checked the account on Monday and they did not issue an nsf charge until Tuesday evening. Then they refused to issue a waiver for the fee, stating I could have called in to have them transfer the funds, since I didn't they are entitled to the $45, which is higher than the $38 charge that they bounced. They are so sneaky and greedy, a billion dollar bank robbing clients blatantly. It's one thing if the entire account is empty but I have seen them move $$ between my accounts to satisfy their fees yet on this occasion they couldn't do that.

I have a mortgage with RBC since 1999. In 2008 I lost my job and ran my credit cards up to 30,000. I then got another job and caught my mortgage up and was work on my cards getting paid off and then it happened. I wasn't paying fast enough so they start taking random amount of the account. I went to money mentors. They asked if I wanted to file bankruptcy or pay. I thought about it for a while and decided to pay. About three months after I noticed a bill for 168.00 coming out of my account. When I ask about it they said it was for a loan I took out. HOLD FRIGGIN ON. I'M TRYING TO GET OUT OF DEBT. I didn't take a loan out.

Updated on 01/12/2019: My account was hacked. I have had an ongoing issue of extremely bad customer service at RBC. On Dec 28 a company calling themselves Credit Resources took $20 out of my account. I reported the issue to RBC and went to the bank to fill out the form to get my money back. Jan 4 I finally got my money back. However this same company Credit Resources took $20 out of my account on Jan 4 Right after it was put back in. So I went back into the bank on January 4 and filled out yet another firm disputing the charge. Then started the process to close this account and open another account. Then on Saturday January 12 I discovered that yet again Credit Resources have tried to take $20 out of my account.

This is the worst bank in the world. You are not protected against fraud and they don't monitor transactions or accounts, they hold you responsible for any transaction and accounts, they are negligent and don't do their jobs. I was robbed 2000$ from my account and they said it's not their problem and make a police report. This bank endorses fraudsters with no punishment and blame the clients. Stay away from RBC. They say trust your bank don't worry and I got robbed now. I'm very worried. Can't trust this bank.

RBC is the worst bank in Canada history, they charge service charge and if you do not pay it... Consumers are taken to collection agency, even if you try to make a settlement they refuses to accept it. What a disgusting set of people to deal with in RBC. RBC START TREATING YOUR CUSTOMERS FAIRLY, WHAT YOU'RE DOING IS WRONG!!!

On Nov 4 my bank card was stolen which resulted in two individuals depositing empty envelopes and withdrawing money. With 8 transactions they managed to withdraw more than 2000$. I viewed pictures with the OPP and have no knowledge of who these people are. The OPP have pressed charges. After having numerous conversations with bank managers and the fraud department I have been informed that this money will not be refunded because I had given my pin number to my daughter in law in October (I suffer from depression and was not able to go to the bank that day). I was treated like a criminal by the staff at the Royal Bank.

Fraud Department doesn't believe my claim of fraud, rude service - I called with a genuine claim that someone had spent over 500 CAD using my credit card. After about 15 minutes of being forwarded to 4 different agents, all of whom asked for the same information in order to access my account (absurd, especially after electronically giving card information that of course was asked again by each of the 4 agents). When I finally spoke to the final agent and after explaining my situation, the agent asked me to 'stop playing games' and whether or not I was the one who originally made the payment, way to give your client the benefit of the doubt. What kind of accusation and language is that?

On Friday January 19th at 07:58 AM I made a $900.00 CASH deposit at the ATM at the Hurontario and County Court branch of RBC. At roughly 9:45 AM I realized I needed to take back $300.00 and attempted to withdraw it from the ATM only to be told that funds were not available. I went into the branch and spoke to a very condescending and dismissive teller to clearly hates her job and sees customers as a nuisance and was told that the funds "might" be available the following day. I called client services at the 800 number on the back of my client card and informed them of the ATM and unprofessional staff issues. Client services made all the right apologetic noises and assured me they would pass along my branch staff concerns and my funds would be available Saturday AM.

Hi... I am so tired to calling for this bank. I was holding more than one hour around 9 pm on Thursday 11th. Today 1pm still holding for 45min 15th. They have to keep more customer service. This bank make good money. Why they can't keep more ppl. Service in bank takes also so slow. I tried so many RBC banks. Same issue. But when we go TD calls or services are the best. I have my business account is with you. Otherwise I never will keep you guys. Still holding... very poor service. If you ask 0 to 10 what rate... it should be 0.

Customer service skills from representatives are far and few between. The suppose Royal Bank of Canada does not help or support long term customers with high credit ratings. They have no conflict resolution skills and hang up when being challenged in a respectful way because they are unresourceful. Super dissatisfied on a regular basis and will switching banks as soon as possible.

We need put this word out there. Me and my wife were victims of a fail of duty/fraud of RBC employee when signed papers, without acknowledgement of being guarantors (only given last page to sign!). The bank now is suing us and is trying to take the only property our family has. We already escalate the problem to RBC customer care, however the employee responsible did not hear us out properly and ruled in favor of his employer (RBC). I would very much appreciated your input and help, for this sensitive time matter, as I believe only making this public, RBC would make the proper investigation looking properly into our proofs., RBC would make the proper investigation looking properly into our proofs.

I had an appointment at Saddletowne Branch to check what's happening to my account. I usually received a voice mail regarding my account. When I called, the agent said, he couldn't give any information, I need to go to branch for security. During meeting with financial advisor (lady - punjabi name and couldn't remember the name because I was upset already to this staff) she's lazy to discuss the issue or not knowledgeable to the issue or somewhat she's doing something personal because I've notice she's still have some food on her mouth. And she's not interested to attend my concern. I will never come back to this branch.

On Aug. 25, 2017, I deposited a company check into my personal line of credit. The teller said, "You can't deposit it into this account until the company check is clear." Then I told the teller to transfer the amount of money from my account to personal line of credit. She nodded. I have 2 accounts in RBC. They can transfer it easily. What's the use of depositing my money into my private account? There is no interest to pay me while I need to pay that higher interest for my personal line of credit. RBC took my money and still charged my interest. Very dishonest! Their purpose is to charge me more interest by refusing my company check to be deposited directly into my personal line of credit. I paid higher interest rate. Very disappointed and feel angry about such a case.

I've been dealing with RBC for the past 8 years, doing everything with them, credit cards, chequing, savings etc. I deposited cash thru ATM, that is very usual for me, I rarely go inside, and I do have them immediately or in the next couple of days available to me. This time not only was different their timing is unacceptable! I did deposit a larger amount than usual (cash!!), totally understanding, I figure it will take them a couple of days to figured out, I actually had to call in to see what's going on with my funds, and they told me I had to go inside a branch to clear them!!

I've been with RBC Visa since 1990 and had a good credit rating and a card with a very high credit limit. Despite this RBC decided because I had not used the card for a while to cancel it along with my line of credit. Didn't receive so much as a letter from them warning of this cancellation. Nothing! Called customer service and may as well have spoken to my dog for all the help I got. It's actually laughable because if you read RBC's website it says "RBC believes all issues can be resolved by using open communication" hahaha except they don't communicate with anyone. Another cracker is "It's equally important for us to know when there is a problem..." Wonderful, so they can do absolutely nothing about it.

I have an account with the organization. Went in to pay because the account was dormant. $265 for charge tried to out $150 to bring the account up. The customer service told me I have to pay the full amount... even the very last increase. And there is nothing she is able to do. There was no consideration that this was service charges, "Let's work out if the $150 will bring the account up to date." "NO SORRY, IT'S IN COLLECTION!!! CAN'T DO IT."

I booked a hotel and I didn't like it, that's why I disputed the charge for only $170 and I went through all their complain procedures but no help, I just wasted my time. The bank doesn't mind paying 10 times of that amount for the lawyers and whoever was involved to investigate the issue, if you care about your finances avoid them please.

Most of the people posting their experiences with RBC are familiar with my story. I have been a customer with RBC for 10 years now. I am retired on a permanent disability from the Ontario Government. RBC reviews my files from time to time and offer me credit products. They like to call me on the telephone or setup one of their "special buttons" by online banking. They say on the phone, "Hello, Mr. **, we are calling because you are such a "good customer." Great. RBC and I have a great rapport. My business relationship started in 2008 but, the business deals started in 2012. Once upon a time, RBC must have reviewed my file, I was raising my son who was starting high school. I called RBC because I was inquiring about a charge on my account. This was made easy because I signed up for online banking and I still have the letter RBC posted online welcoming to their online banking on February 17, 2008.

It appears that RBC is not interested in further expanding their client base. If you are a non-client for RBC, don’t expect any type of professionalism from the branch staff. Common Sense and Reality: If the Branch staff treated non-clients with professionalism they could become potential clients. But apparently, the Branch staff lacks proper training and experience. Hence will be the downfall of RBC in terms of client services. The other banks are gaining a competitive edge in this area.

RBC is by far the worst bank in Canada. I deposit money to many different Bank branches. RBC is the only bank that I literally need to give a blood sample to deposit money into someone's account. They always ask where the money came from, why am I giving the money and my name. No other bank that I deposit money into people's accounts am I ever treated like that. On a few occasions the person who has the Royal Bank account receives a call after I deposit the money and I'm talking about $500, $1,000 nothing over $1,000, and they say on the phone that this is suspicious activity and could be fraud. Just by simply making a deposit into someone else's account they judge it as a fraudulent activity.

I have experienced worst customer service at RBC BRANCH LOCATED AT 101 MIDDLECOTE DR. AJAX ON L1T0K3. This morning I went to speak to a branch manager. His name is **. I waited for him to resolve a matter about my account. 20 mins and he came with a angry looking face and he did not even GREET AND INTRODUCE HIMSELF. NOT EVEN A HAND SHAKE. HE JUST CAME and hand over a paper and said, “We cant help you,” and walked off. Wow. I was shocked. What a service he has done as a manager. No greet. No introduction. Nothing and walking off. I am RBC client for almost 6 years and had visited all branches but never been treated this way. I hope this complaint will make a change in someone else life who will not face that man again.

In Nov 2003 I called RBC to see someone about applying for a personal loan as I had just finished paying off a $10,000 loan with no late payments. When I arrived at the RBC and was sent in to see someone. She seemed to be shaking with anger. I wondered what on earth was bothering her. Sat down, she talked on the phone for several minutes, looked at me and said in her nastiest voice, "Did you write that cheque?" I assumed she was talking about my final payment cheque regarding my loan so I said yes. Then she said, "You won't be getting a loan from us again." Or something to that effect. I was shocked and thought you are thankfully not the only bank in town!

I have had a terrible experience with RBC, they are uninformed and only do what is in their own self-interest. They charged me an annual fee for a credit card on top of my monthly account-fee, Then repeatedly told me they would remove the charge - after 2 weeks of continuous calls and wasted time, they conveniently told me to pay it myself from my account and had the nerve to ask me to increase my credit limit! Avoid this bank if you can, they do nothing for you and have the audacity to charge you for every little transaction! I will be switching as fast as possible.

I am a customer of RBC for about 20 years. When I opened a chequing account with RBC it was no fee banking account. A year ago I noticed there was a 4 dollars monthly withdrawal. I went to the branch and found out the reason I was charged for the account fee. I was told that I had to use RBC credit card every three months, or the charge of account fee placed.

It is obvious that the Royal Bank does not have their customer's best interest in mind judging by the awful customer support that they provide. Their workers have provided me with conflicting information each time I have called, not called me back (multiple times), and were unapologetic when I explained what was happening when I spoke to them. They don't deserve your money.

I have an RBC account in Marsh Harbour, Abaco Bahamas. It is a savings account although it pays no interest. I no longer have a need for it and I have been attempting to close it, transferring the balance elsewhere, since February 2017, six months ago. It has, or had, about $1,200 in it. In the meantime, RBC have been helping themselves to my money! I have written three letters, made numerous phone calls and sent numerous e-mails. They claimed they did not get the letters. On their advice I then e-mailed a scanned copy of my signed letters. I was then told I would need to give them vocal authority. I did this. No action was taken. Since then, they have not answered my e-mails. They do not respond to voice messages left on their phone - which they almost never answer during working hours!

I canceled and withdrew my investment accounts with RBC. Whilst my investment advisor was very helpful, the rest of the RBC interactions reflected a lack of interest in providing any customer support. Poor follow-up, poor response time and customer care. Once I withdrew my funds the service deteriorated further. Clearly the corporate culture is one of caring more for RBC than customer care. The myopic arrogance in this regards is sad to witness. I am now use a Credit Union - Far more customer focused and interested in providing a good service. Shame on RBC!

Tried to contact RBC fraud department regarding an email I received from RBC regarding suspicious activity on the account and I needed to click on a link to verify it was/wasn't me. I didn't click the link and thought I would just contact the bank directly. I sent an email directly to RBC. Then after a few days with no response I called RBC and sat on hold for approx 90 minutes. The agent, who answered, then told me they do not send out fraud notifications with links to click on so it was a fraud. Why could they not have simply responded to my original email in a timely manner??? Complete waste of a few hours of my day. I bet you if I wanted to move my mortgage to RBC they would email/call back right away.

We have been with Royal Bank for many years and had an amazing account manager. In fact we did not realize how amazing he was until he was promoted and we were provided with a new manager that we walked out on the first meeting. Her lack of response to our questions and lack of knowledge and ability to deal with our complex situation was shocking.

OMG! I cannot begin to describe the stress and upset I have experienced dealing with RBC US (Georgia) Bank in trying to get funds wired to a USA title company to complete a real estate transaction on our vacation home. Their instructions are incomplete on their website. I thought I had submitted all of the required documentation, and had in fact received a confirmation email from RBC. We had a deadline looming so I called RBC the same morning I requested the wire transfer and asked if all of the required documentation had been received. I was told the funds could take between 24 and 48 hours to reach the US title company. No problem I thought–I have 3 full days to meet the deadline. I check again the next day and the funds have not left my account. I check again at the 48-hour mark and funds are still sitting in my account. I call and learn this is NOT the correct process so now we are scrambling.

I've been with RBC for just a month... and I don't have a single good experience. Unfortunately due to my pay cheques and other deposits that is coming, I have to wait until I have the chance to go to another bank. My first visit: I made clear to the advisor that I needed cheques. He said not to worry and he was going to order. 2 weeks after, I didn't get anything on the mail. I decided to go to the branch and double check. I found out that he never ordered the checks??

Being a client of 38 years counts for nothing at RBC! I have been subjected to some of the worst customer experience ever over the past 2 weeks, and there is no one to talk to about this. Client care could care less! Clearly, this institution does not value my business and I am moving on! CIBC considers me a highly valued customer and extends every courtesy possible to make me feel valued. I can't wait to move all my business away from RBC. What a nightmare!

They have a product promotion. I upgraded my account which is previously free. Then they make extra charge to my account for a previous month bill. It took me many tries and hours and hours communications for them to correct it. They are challenging my times. Customer who do not want to waste time will just let them charged. It is not the ethics that a business should have. If they refuse to apologize, I will publish their manager's name, so their senior management can know that.