Royal Bank of Canada Reviews

Friday deadline for mortgage approval came, no word from the sucky RBC mortgage rep all day, despite more attempts to call. I made one simple call the Credit Union Mortgage Specialist in my area and she had me approved on the phone in under 10 minutes. Later in the day Friday RBC guy calls me and tells me he got it approved, but because it needs to be CMHC insured mortgage they needed to do an appraisal on the property which they would need to do on Monday. I told him he was an idiot and he wasted time all week and we couldn't do the appraisal on Monday because my condition dates were Friday. His reply was, "Oh **."

Obviously I went with Credit Union. I work in a job where I can refer mortgage reps, I have since caused at least 10 people to avoid mortgages with RBC bank. I will enjoy every mortgage I take away from RBC for the rest of my life. RBC IS THE BIGGEST THIEF/JOKE/SCAM BANK IN CANADA STAY AWAY. Even "the Simpsons" takes shots at this shady bank.

Sadly I'm aware I will be out money. But having my car on empty, I never imagined the bank would be so cold as to deny me a small $113.00 dollar fee I had paid as a deposit for her funeral. There is more than enough money to pay for funeral expenses, sadly they give me a bank draft to the funeral home. The funeral home couldn't even believe how heartless they were. And after registering complaints, I get told to go talk to the manager who was rude to me in the first place. I actually talked, mentioned I was recording the conversation, then when I made sense, she said, "I don't give my permission to record this conversation." I believe I asked her why, because I'm a human being and you care more about the money than a human being.

Unbelievable in a time of grief they would treat anyone like that. She talked down to me, and refused to give me funeral expenses that I paid. I have the whole thing. After 3 minutes she asked me to stop recording. Does anyone know where I can post the conversation online. Because as a human being, I don't recommend anyone should be treated like that in a time of grieving. Anyone who deals with RBC should reconsider using that bank. I'm going to add no wonder the wellington branch is closing, what scares me is people will have to now deal with this branch, the place of the incident as their new branch. Unbelievable. In a time of needed support, they do this. My advice you bank there - consider other options than moving to that location. Unbelievable, unhuman, and I'm just shocked.

Not being home with medical problems (in and out of the hospital), I never had the chance to call the bank back. Eventually the creditors started to call us and we made a deal with the credit card section of the Royal Bank. But one day, out of the blue, they frozed our account and took out money without any explanation (using the overdraft ). So for the first time the only paycheck that we had to pay the house payment was taken so we missed a payment!!! Now a few days ago... because of that, they are sending us a letter telling us that we owe them over $100.000 within the next 12 days. Because we missed a payment due to the fact that the account overdraft was frozen and even if the money was there at the time.

THEY TOOK from our account money that was to pay our mortgage TO PAY THEMSELVES WITHOUT giving us any WARNING (or any letter to tell us). They say it is a final notice but they keep harassing us by continuing to call us!!! The money is put every two weeks to pay the mortgage and other fees for the house and other bank payments. But they are still after us because we protected ourselves against creditors from the credit card department. Now since then, they are going after the house!!! Royal Bank of Canada is a vulture and they do not care about their client. After over 30 years as a client, paying and helping them grow they are putting me in my grave!!!

This is one of the worst banks I have dealt with in 20 years and this is how they treat us, slow customer service when you walk in only 2 tellers working at the branch at all times and moving over to TD would be convenient for a business owner like me since they are open 7 days a week. Good Luck RBC you have lost one long-term customer and you will lose a lot more. Next time you guys decide to give someone a news like this try to do it early instead of wasting the person's time and making them run around!! And try to get some staff that are educated and knows how to deal with your products. I feel like everyone that works there has no knowledge on what they are doing.

RBC tells me that I need to wait until he responds to them. They also tell me they are unsure about how long the entire process will take for me to be refunded. "It could be weeks or months" according to the branch manager. When I try to commit them to a more precise time frame, they stonewall me, promise to return my calls and never call back and they seem angrier than I am! They do not care that their error caused this! I am truly shocked and astonished at their response! I WILL NEVER bank with these callous idiots again! I am closing my account promptly upon receiving my refund. A total and utter disgrace! Terrible!

Around March I started working on my long term. I had no money coming in. Red cross was helping us. She sent in a my medical stuff to the insurance company for my truck. I guess it was losted in April of 2011. I got back paid, 15600 dollars. I won it in April, I put 3500 in my truck in Oct, tires, brakes, etc. have all the bills then Royal Bank came in Nov 2011. They said I owe payments, I said "no way, I have insurance on my loan". He said "take out your 400-dollar tool set out and cd spare etc". I said "I will have my truck back".

In the morning I called Belanger Ford told them what happened. They said don't worry I will have my truck back. They called utility management, they called I said they will fix it all up. A rude guy called me from the bank and said "you have to pay off the truck in full 35900 dollars. If not we are selling your truck". The women called from the insurance she said don't worry. Royal said I have to Jan 27th to fix it up. That rude guy keep calling to say "we are selling your truck", I said "don't worry they made a mistake, they will fix the bank up". I told the guy "are you nuts to sell the truck? If you do I have to go bankrupt".

On Jan 9th 2012 the lady fixing it all up said "they sold your truck for 13900". She said "how dumb". I still owe 22000 thousand. They even stole my tools, cds etc. The rude guy said "that's what happens when you don't pay your bills". Ruin my credit rating how a rude ** like that working at a bank and made you lose 22000 thousand. I have a letter saying I'm approved from Dec 3 2010 saying they will make the payment. It says from Dec 3 2010 'till Sept 2011 paid royal 3924.35.

Um, excuse me? Why? He said there is nothing they can do and there is no way for me to contact the fraud department. I told him I have many payments coming out and bills to pay. He said I have no answers for you, you'll have to wait 7 days. This is disgusting and absurd! My account is being suspended because I deposited 2 cheques. Horrible, horrible bank. I will be closing this account as soon as or if this gets resolved.

She wasn't even nice about it and when I wrote her an e-mail to express my dissatisfaction, she simply ignored my e-mail. Extremely unprofessional, and when I asked to speak to a branch manager she said nobody was available to help me out. I have since then closed all accounts and credit cards with RBC due to this horrible experience. Don't tell me I am a "high risk customer" when you are simply trying to scam me into putting money into a GIC. Nope, won't fall for it.

After being forced to stand for nearly 20 minutes today, I explained to the teller that I have a disability that makes it very difficult for me to stand for an extended period and asked what I should do for next time. Instead of answering my question, she proceeded to give me a lecture about using online banking or the ATM. When I forced the issue and asked to speak with a manager, the manager pointed to a bench that is behind a wall and not in a clear line of sight for the tellers if there are people standing in line. I asked how anyone would ever know I was in line, but didn’t get an answer.

I’ve had an account with the Royal Bank for nearly 20 years, but am fairly newly disabled. The design of the branch and the lack of signage, combined with the lack of staff at the sitting wicket, and the lack of interest on the part of the manager or staff in dealing with the issue left me with the impression that they don't care, that if you can’t stand in line for 20 minutes at a time like a “normal” customer, you’re not welcome here. The Royal Bank’s website was even more interesting in this regard. When I tried to use the feedback form in their “accessibility area” it failed. The wording of my comment was the same as it is above — no profanity or any kind of language that should cause the form to fail, yet no matter what I did, I got a message saying “the content was invalid.”

How I would like to see this resolved is for the Royal Bank to smarten up and get some protocols in place to limit line-up time to 10 minutes or less by having adequate staffing levels at all times and also by referring more complex customer issues to staff other than frontline tellers. There were only two customers ahead of me today, so there is no reason why there should have been a 20 minute wait in the first place. There needs to be signage to indicate where you should sit and wait if you can’t stand for an extended period; and the branch manager and staff need re-education so that they don't behave as if people with disabilities are a hassle who should stay home and do Internet banking or use the machines instead of bothering them. My goal in writing this review is to push RBC into doing right by its customers with disabilities.

Went to a branch to count some coins I have been saving: no coin counting machines. The only way to change your money is to count yourself every coin and roll them in paper bags!!! Which they don't have on site so I had to go somewhere else and buy them!! Seems not a big deal but to me it is. Just their customer service is very poor so is their general service!! I'M GOING TO CHANGE BANK!

Saying my iPad mini was ordered and will get another email saying it's been shipped with a tracking number, 5 weeks later no email no iPad, I called RBC and they had a tracking they gave it to me I tracked the iPad had been sent back to sender in the states I don't even live in the states I live in Canada, I found out the iPads were ordered out of the states from an apple factory and improper paper work would not let it cross over the border, I talked to one guy at RBC in costumer completes who was kind of rude and said it could be months before I received my iPad, so a week later I called back a week later and talked to another lady who seemed a little more helpful telling me she talked to their shipping department and assured me my IPad would be sent 2 - 3 weeks and I would receive a tracking number.

3 weeks went by no track so I called back again and she said it would be 3-4 weeks. Well 4 weeks went by. Nothing. Once again I called them again and talked to the same woman. She once again said she talked to her shipping department and they told her they don't make the iPad mini 2 anymore and they would be send me the newest iPad mini in 10-15 days. Funny thing is I called Apple and they do still make the iPad mini 2 and 15 days are here and once again no iPad. No tracking number. I've been getting the run around calling wasting my time and to be lied to by the RBC. I even went as far as to email CEO of RBC. Of course no reply. It's terrible bank to deal with. They can't even keep a promise.

Another issue I have with RBC is the horrible communication and lack of customer service. Currently we have several items (automatic debits and credits) with RBC. For the last three years, I have been depositing a paycheque of roughly $1400 every two weeks. Last week I deposited my cheque and went to pay for some items only to discover that now, after three years, they are holding all deposits into our account. Needless to say, I was pissed. I went into the branch the next day and was told by a very arrogant and rude client services rep that when head office makes a decision then it is final. I asked why there were holds and he said it's because someone reviewed my account activity and decided to put the holds on. This is a horrible company to bank with. They treat their customers like absolute trash. DO NOT BANK WITH THEM!!

She had those details 2 months in advance and closing date was given 20 days earlier. She delivered nothing and wasted our precious time. I'm very sure every multinational organisation or bank must establish and follow certain process, I'm astonished this is how one reputed bank employee respond and service clients. We were waiting patiently till very end of our closing date, she has no respect for client situation this is totally NOT ACCEPTABLE behaviour. No update from Ellen (Mortgage representative) at all and didn't highlight any impact or problem. We just blindly waiting for her message and lost the precious time to find another lender.

We called multiple times and left message, she shows no responsibility to clients critical situation. The information she was requesting a day before closing related to the lack of credit history should have been done long back when she collected our financial information like 2 months back and gave our consent to check our credit. We understand what she been telling us is total BS when we go to verify ourselves in TD bank, at the same time TD helped to check our credit history and willingly come forward to process our application on the same day, till today RBC unable to provide a credible answer. It cost me $285 emergency closing fee.

The gentleman showed up with a paper open envelop and pulled out (A USED SMALL ZIPLOC BAG WITH A STICKER ON IT THAT HAS A COMPUTER BAR CODE). I reminded him that I asked to make sure it is sealed, "Sorry I can not take this, please call me when you get the right product." He asked me to wait for 5 min and run to the back.

I said to him and the teller, "I can't wait. Please give me my order sheet." The teller said: "He said just 5 minutes, you can wait over there and used a careless finger pointing gesture to send me away." I did not respond. I took my sheet and walked away. I overheard her saying to the rest of the tellers. Remember his face. Do not order anything for him again. I stopped, I replied back saying. "EXCUSE ME. WHAT DID YOU JUST SAY?" The customer service lady behind the desk where I was said, "She is not talking to you sir." I was so insulted so I left. (Greta. **) reacted by calling back the pharmacy and threaten to charge me all kinds of fees if I am not picking it up. Called my pharmacy, Spoke with my staff pharmacist, Literally told him Mr. ** better come back and pick this order otherwise if we return it we will be charging him. Item return fee, shipping charges, handling charges etc.

I called the customer service phone number, told my story, they got me in contact with the customer service young lady in the branch who apologized and asked me if it is ok to order it in 5 pieces each is 1 Oz. I agreed. She said she will call me back when they arrive and said, "The manager will call you himself to apologize". I said no need.

The branch manager: Reacted in a very strange and rude stubborn way by. Asked Greta to call me and tell me (as above). Refuse to let them return the item and keep it there and wait. Did not return any messages regarding this situation. When I called back and insisted on Monday to know what is going on with my order he told the customer service lady to inform me that he will not absorb the costs if they return the item and will charge me.

At the end when Ms. ** from the customer care and the gentleman who called me back from the branch told me, "The branch manager will agree to refund you in full but from now on they will not order me any gold bars. Now before I start telling the facts in details I would like to mention that I have been with RBC since I landed here in Ontario in 1995. I have all my personal and businesses accounts with you guys as well as my mortgage before I pay it off. I also used to have my rrsp, resp,tfsa, investments. Etc up until 2007 - The first time was in 2007 when It was the closing date for my new house and finishing one mortgage (with rbc) and start the new home's mortgage (with rbc).

All with RBC and the branch manager insisted that I will pay 3 months interest as a fee for terminating one mortgage and starting the other one and he didn't care that it was the employees mistake who did say that upon renewal I told him that I'll be getting the new home a year from now and did not care when I said I'll be transferring all my investments to another bank (more than 200k) and he said, "It's up to you, it's your money, I dont care." I also was told, "We can't do anything, sorry. Whatever the branch manager says it goes you may escalate your concerns to RBC's Office of the Ombudsman in writing." Which I did and the response stayed the same.

So, as you see this is also the same. A person doesn't do his job to make sure something is done right. A mistake happens. Branch manager refuse to correct it because it costs money. But the big difference here is that Hazelton 7 Winston Churchill branch manager went another step further and refuse to provide any services for me if I choose not to receive this Ziploc bag.

Detailed incident report: On October 5th 2016 I went to the RBC branch on Hazelton and Winston Churchill. I paid for gold bar 5 Oz and as usual I told the gentleman who ordered it for me to make sure it is in the mint Canada plastic package. They called me the week after I think on the 14th to tell me it arrived to the branch.

I showed up on Monday the 17th. I think go to the teller. The gentleman came in after she told him the gold bar guy is here. He had an open envelop and pulled a USED ZIPLOC BAG WITH A STICKER ON - IT SAYS 5OZ AND A COMPUTER BAR CODE. I looked at him and said sorry we went through this before. I will only take it if it is in its original plastic seal. He said, "Wait sir. Let me get you the lady in charge. Just wait 5 minutes." I said I cannot but he left to get her. I asked the teller to give me my paper back which she did while saying to me don't leave wait for him over there - it is just 5 minutes. I did not like the rude tone in her voice but I did not say anything and I walked out. I overheard her saying to the other tellers, "Heh, now you remember h again." I turned back and I said excuse me, "What did you just say?" The teller ignored me.

The customer service lady at the desk said, "She is not talking to you sir." I am sure she was but I was angry and I did not want to say anything more and I just left telling the gentleman who showed up with another young lady, "Please I have to leave. Please call me when you get it in the sealed package." I turned my cell of right after I left the branch. I received a phone call from my staff pharmacist a day later saying that a lady by the name of Greta called and told him: He better come back and pick up this gold bar. If he doesn't he will be paying a fine. Return item fee, shipping charges, handling charges.

I called the phone customer service, Told my story. The lady apologized got me on line with another lady from the branch who also apologized and said how about if we order the gold bars in 1 oz and we do an order for 5 of them so we make sure that they are sealed. I said ok I dont mind as long as I dont pay extra. She said, "No and we will be calling you when it arrives." Same day I received a phone call from a lady by the name of Jasmin saying that she is my new advisor assigned to me instead of Greta. I told her the situation and I told her they said they will handle it.

I followed up by calling Jasmin a few days later who assured me that they will call me once they receive it - they are not supposed to keep these items long in the branch. Wednesday Nov 9th, I called her. She said she will call to inquire Thursday, she said they did not reply to her yet. Friday, she is on vacation 'till Nov 21st so I called the customer service that didnt able to reach anyone because it is a day off and I do not wish to disturb her.

Saturday November 12, I called and they made me levee the branch a message - no one called back. Monday 14th November, I called. They were able to get to the branch manager who told them to tell me. Again, I better come and get it. He is not going to send it back and absorb any charges. If I decide to return it and get refunded, I'll have to pay. Shipping charges, item returned unpaid fee, item return fee, commission, handling. Even the girl was embarrassed so she transferred me to the client care center (Linda **). Linda was very nice, listen to the whole story, asked me to give her a couple of days to solve the matter.

I called Linda Tuesday 15th to follow up; she said she didn't hear back from the branch yet, the problem is that I know any solution Linda is going to be opposed by the branch manager. As I mentioned above I learned yesterday Monday November 15th 2016 that the manager is the one who refused to make the other people in the branch to return the gold bar and ask for it again in a sealed plastic wrap like the actual order says because he is not willing to approve paying another shipping charges or anything.

Now This is not fair. I will not pay any extra fees or shipping charges because I told them, "Make sure that it is sealed." I refuse to believe that RBC will stand by the branch managers unacceptable, unfair decision to simply ignore me and my messages and also ignore Jasmin and now may be Linda too by not returning the phone call. I have my business and my personal accounts with RBC since the day I landed in CANADA. I hate that this is going to be the 2nd time that I get ignored and treated unfairly because of someone else didn't make a phone call to tell your supplier to make sure it is sealed. I am not sure what to expect. I just hope it is not the same response I had 9 years ago.

When I call them to provide me the reason for closing my accts they said they cannot give me any reason. They just wanna close my accounts. I never received any letter from them to provide me reason neither! I don't even know if I will receive the balance of my accounts. They said they mailed me a cheque but who knows! RBC GO TO HELL WITH THIS KIND OF SERVICE!

I was expecting someone to at least listen to me. The woman I was served by was completely rude to me for no reason. I explained my situation to a woman at the Woodbine and Danforth branch, and she cut me off mid-sentence, and said "Well, that's why you got charged. You gave out information without even thinking." She blamed the whole thing on me. I told her that I didn't know that the automatic fund (a charity donation by the way) was going to come in that night. She just kept cutting me off. The last time this happened to me, a man named Philippe at the same branch refunded as soon as he saw it in my transaction history.

Not one ounce of understanding from this lady. I work in customer service, and hey, I totally get it to be rude to a customer if they're being rude to you first. I get that it's exhausting dealing with clients asking you the same questions, but you have no right to interrupt me while I am talking about MY BANK ACCOUNT. But I was just asking a question, for some guidance even, on how to avoid this situation. I asked her to look at my checking account statement and history, and she didn't even take my card. I then told her I was going to be away in the United Kingdom for the next few weeks, and she just shrugged and said, "Okay." I'm completely shocked of the service I received from her. It was uncalled for. She didn't even look at my account, how would she know my full story?

A friend told me to contact RBC by the phone because she knew that I'm in no financial standing to lose $45.00 because my charity donation came through at a bad time. I explained the zero help I got from the Woodbine and Danforth branch, the man on the phone was 100% sympathetic and took the time to look through my history and said he believed it was a mistake, and waived the fee from my account. He apologized for HER behavior, which I think is completely unacceptable. I have nothing but good things to say about the RBC employees at the call center, every time I call them they always fix my problem right away without hesitation.

The lawyer tried to keep over 66.000.00. I talked to RBC mortgage and was advise because I fought in the courts that the law firm was able to keep the money. I fought in the courts the lawyer said it was an error. The money was put back towards the mortgage. However I still owe the bank money with no accounting. RBC wanted me to sign a release. I refused because there were accts I didn't know about. RBC had the courts label me as a vexatious litigant so I can't fight in the courts against them. This is unjust. Please help.

I did NOT receive notice from the branch in any shape or form that this was even going to happen. If I had any pre-authorized payments due on this day they would have been NSF because of what they did. I have been with this bank for over 20 yrs. So, this being said, I closed my account at RBC and have taken my business elsewhere. I have also been letting friends and family know about this. It has happened to a few of my friends here also. I think we should have been notified of these drastic changes beforehand.

NO ONE wanted to pass my call over to someone who could solve my problem and I heard all kind of excuses from them starting from “the manager is not on his desk”, “he/she is not available at the moment”. You name it. I wonder what kind of a BIG BANK cannot work on something as simple as releasing a cheque???!!! And has no one who can help a customer in a proper manner. I would bury my money in the backyard before I bank with RBC. One advice folks, avoid dealing with RBC in any way possible.

I go back to main branch and ask to see a manager (visit #4) who apologizes, phones around, "gets it solved" and promises there is a rush to get it delivered home. No effect. Go back to main branch (visit #5): ask to speak to a branch manager who calls around, "solves it", promises a rush before trip #2. No effect: card does finally arrive after 5 visits and more than 2 months after trip #2 so no use when it arrives. Reading the newspapers I should probably have asked for a $1m mortgage and THAT would have been done in 5 minutes it looks like! But a little card with barely any additional revenue for the bank that is going to waste several hours of my time. Well done!

I must say that the complete staff at that branch is completely unprofessional, impolite and unfriendly in general. They are slow, say they have not received any emails, although I bring along proof, they promise and then they forget, etc. I could go on and on... It took them 2 weeks to get my Debit card from another branch in the same town... and so on... Maybe it is just this branch, however, I was told by so many people not to go there. Well, I went there, opened an account and have learned my lesson. I will cancel the account today.

I am a hair dresser. This house was the one thing I managed to get with my life's work and they have the legal power to take it from me. This is over 700 dollars! Which was an amount they did not transfer to my new Capitol One card when they decided for some reason to change me over to that... I have no idea why. I have never in my entire life missed a single payment on my card or my Mrtg... This is their fault, but because the system holds trials in other provinces and RBC seems to have no need to inform me about it now I'm legally screwed. I have gone to lawyers, they want 2k just to get something started and they tell me this is something very difficult and expensive to do, like perhaps more expensive than the 100k and there are no guarantees. In other words it's hopeless for me since I do not have 100k to pay visa or 100k to fight their evil system.

I have tried to plea to any person in the RBC, tried to explain that I have done nothing wrong, and even if I did owe 700 dollars from years ago, it should not be almost 100k today because of their gigantic legal fees process... I would have been happy to pay this plus interest, so about 4k... but 100k is a scam! It's impossible for me. I have no family or rich friends... and cannot possibly afford their minimum payment of 2800 per month. I am a hair dresser, almost age 70 and on my LAST year or two of work. I earn very little. I could not even afford 200 per month without cutting off my phone or not turning on my lights. This company is EVIL.

If anyone could see the real story about what they are doing to me, no one would even believe it... and this is Canada. I have no idea how this type of brutal scam company can operate like this. They abuse the court system and target the weakest people like me. Basically at this point I have been told they will force the sale of my house over the next 12 weeks. They will subtract their 100k plus expenses and give me the rest... It will be less than nothing and I will be homeless age 70 and no idea how to store or tend to my personal items. I could never afford to rent in this city on my wage. My life ends over this under great stress and feeling helpless. I hope someone else reads this and will remember RBC is an evil company... Do not trust them. The people working at RBC are just young people with no blame, but the system in place is something they do not know about... It destroys good hard working people's lives.

We were supposed to receive an e-mail from RBC Direct Investing to let us know the TFSA account had been opened; the e-mail of course was never received as they sent it to the wrong address. When we inquired a few weeks later we were told they had opened a "spousal" account as it had been check marked on the profile application but that they couldn't proceed with opening the TFSA because these can only be individual accounts. They never contacted us to explain there was a problem with the account opening and all of this could have been avoided if the advisor at the branch had completed the forms properly!

Next time I decided to skip the branch and mailed the forms directly to RBC Direct Investing in Toronto. Never heard from them again until I phoned them a couple of weeks later. They told me that we had forgotten to complete the "Occupation" lines so that we had to complete the "Client Profile Form" again. As it turns out, you do not have to enter your occupation but choose from a list of numeric codes that correspond to a particular occupation which I had done as I verified the copies of my mailing to them. Anyway, I sent a new copy of the "Client Profile Form" and wrote the occupation next to the code.

Never heard from RBC Direct Investing again until I phoned them a week later. This time they said they had the profile but they didn't have the W-8BEN form and that is all they needed to open the account. My husband signed a new W-8BEN and popped into the branch to have it sent through their internal mail. Never heard from RBC Direct Investing again. We came back from holidays this week and phoned them. The answer was that they had the W-8BEN but that did not have the Profile Form!

I have been a client of RBC's for over 20 years and I simply had it. Something has been happening lately with their customer service. When you phone either RBC the bank or the Direct Investing side you can perceive that whomever answers your call is only a half-baked trainee, they do not speak clear English and they put you on hold to go and find out the right answer from someone else.

Yesterday, I phoned RBC and asked to speak with a supervisor to establish a complaint. Well, this lady transferred me to an answering machine of someone who said was out of the office until August 2 and that I should contact Customer Service. I phoned Customer Service again, spoke to the agent and explained the situation. He said, "No problem I will transfer you to the Customer Service Manager". He put me on hold forever until another agent picked up the phone and asked me what I was waiting for. I had not been transferred anywhere. I guess they left me waiting there until I tired and hung up. I have made an appointment with another bank this week to move all of my accounts out of RBC and RBC Direct Investing. By the way, trying to open that TFSA took over 3 months and counting.

Now, I sold my house and bought a condo. I had a great meeting with a mortgage person. It went very smoothly. We discussed how I wanted ONE mortgage, no line of credit. Paid once monthly (instead of bi-weekly). I wanted a 24 year amortization, 5 years fixed term (I had already worked out the numbers ahead of time). I got a great rate, we agreed on everything, and then I signed the papers based on what we had agreed upon. So when my house closed, I was surprised first to receive a statement advising that my first payment was due 2 weeks earlier than I had anticipated. Because they had gotten the payments wrong, and made it bi-weekly. Then, through the process of trying to fix that, I find out that I have a 30 year mortgage instead of a 24 year mortgage, and that they have closed my VISA account without telling me.

So I email the mortgage person who says that yes, that is what I signed. BUT THAT ISN'T WHAT WE DISCUSSED, OR WHAT I AGREED TO! Either she knowingly misled me, or she made a mistake, neither of which she will admit to. I signed the documents based on good faith that she had put in what we had agreed upon.

BUYER BEWARE! I am not a stupid person. I am well-educated, and I know my way around numbers pretty well. But I signed a document based on what she told me. I did check the document for the rate to make sure that was right. I never thought to check for the amortization period. So I have no proof that what I said happened, happened. I will never ever trust an RBC employee again for anything. I am stuck now, I can't get out of it without paying a huge penalty, so I will have to live with their mistake again, for another 5 years. But at that point I am pulling everything out of RBC and going to another bank. Maybe TD will give me a TV for switching to them. That's more than I ever got from RBC.

RBC never contacted me that my inactive account was accumulating an inactive balance and RBC continually let my balance go into the negative. They finally contacted me when the balance was over $300, and even at this point would not let me shut down the account. The Credit Union I bank with does not do this, and the bankers I talk to at Scotiabank also say they would contact me, shut the account down, or put a stop payment on the account until I was contacted. All of which was never done by RBC in a timely fashion. I was rejected the option to shutdown and put a stop payment or forced to pay $350 I didn't have, or I refused to pay to that evil bank.

I feel as though RBC is getting back at me for changing banks. I had joined RBC when they had a promotion to get a free iPad or $300 when signing up a new banking account. I used RBC for a while, but after a year I didn't enjoy their customer service so I went to a Credit Union. RBC can go to hell, if they want the $300 after I left a year later they should ask for it not steal it. Don't even get me started on RBC and their mortgages... Stay away on all counts. Worst bank in Canada.

Then stopped and said, "I'll have to verify the check or something", I said, "Do it." I have been depositing the same check since like forever. Stupid banker, the last time I saw her she was in the business section. I really wanted to avoid that **, there are other tellers so much better reaction, so much smoother, but luck would have it. I had to wire and consult only her as the other tellers said they didn't have authority to wire. I went up to her, the first thing she says is, "This is business section. You wait over there in the regular line." Apart from assuming me, like I wanted to consult her, then I said, "The other teller said to see you to wire", she said who, I pointed to the teller that wanted me to see her, she said the "young girl". I said yah? A young girl was her response, as if like making me guilty for following orders of a young girl or something. ** wrong with this bank - some incompetent tellers getting high positions.

I try to open for a credit card for their multi product rebate waive that fee concept for my checking account, having near perfect credit score they refuse me time time again. I don't need a credit card, all this talking and recording it to train their staff and getting me in deeper **. I am fed up with this bank, I stopped trying, saying, "Do you want me to withdraw all my funds, why you don't just give me a credit card to waive that fee, I don't even use a credit card." Gives me for 6 month rebate. Other banks would waive the fee after having a certain amount in deposit like 2K but this bank has a different business plan of enjoying giving out loans and mortgages (free money) to riddle the country with debt with their fractional reserve banking scheme at the expense of people working and using the money they earned wholeheartedly.

I don't think it's only me, but usually things run smooth with tellers except for ** and arab middle eastern tellers. Two ** tellers that I saw recently to make a wire, one close to Plamondon metro another Darlington. They wasted a lot of my time just to do something so simple, I was worried they might ** up my account, when ever I said something they looked at me with big eyes like they wanted to kill me.

The one in plamondon took 30 min of my time and wasn't able to do anything nor give me suggestions of what I already told her, instead pushing and typing this, consulting manager for 30 minutes and printing saying for her training purposes, ** that. The other 45 minutes consulting her manager typing in the information, dropping my papers on the floor for something so simple, the other tellers do it so well, she just wastes your time and does it wrong and is given high positions. She calls me on Saturday to give me bad news, this is not a ** game. I am taking my money out of this bank, I am sure lots of wealthier clients their, I hope this bank goes down for its sins.

Now I have another incident. They failed to see that the online department allowed a duplicate 5000.00 payment to go through. I am slowly getting my money out of my last account with them. I won't stop fighting until I get my 11.000 back with interest and an apology. I've trusted this bank since 1981 and now I feel betrayed by them. This bank treats you like gold when you are high income. Once you go below the poverty line they forget about you. Be careful everyone. Esp if you are low income. Always monitor your accounts. This bank is only concerned with high income customers.

Original Review: I have been fighting this for almost a year now. I had over 10 thousand taken out of my three accounts at RBC with 79 hits in less than two weeks out of two savings accounts and one checking. They concluded that I should have noticed after paying a bill online. Really now. It is interesting when I don't even pay bills online. Never. One account was even in the negative.

Funny, when I was making very good money at a government job in the north, held a mortgage and a line of credit with them, I received many calls regarding how they noticed that I had this money and would I like to invest. Then, I retired early, paid off my mortgage and my line of credit. Now, this. No more phone calls. No respect and no online monitoring like they promise. I feel that I am treated differently now that I am low income. I am not treated the same. I talked to many in the banking business who said that people are treated differently according to their income level. I went through all the channels to fight, but they still won't admit that they screwed up. It isn't about the money anymore. It is how I was treated and not taken care of and be called a liar after being involved with the bank since 1982.

I contacted the TV shows On Your Side and Go Public and am presently looking for a reporter to help me get my money back. I am presently trying to get help from as many groups who can help. I am not going to stop until I get my money back, plus interest and an apology. I am taking out some of my assets with them as soon as I decide on a different banking institution. This sort of practice has to stop.

The next day when my husband called National Bank to inquire about the payment, they said they did not receive it, as it went to Trevi. It was not a complicated bill to pay, we had the documentation and the teller screwed it up. My husband then called Trevi, who were more than happy to flag his file and decline payment once/if payment was sent through. Ok fine, not a major problem right?! Well that's 3200 dollars in "limbo" between the bank and Trevi. Royal Bank was then also notified about the wrongdoing so they could flag the mistake.

My husband then called the National Bank again and told the National Bank to take the money out of his account for payment to the pool loan. The loan now overdue because of the teller's mistake at the Royal Bank. "Pay it all off please." Another 3200 dollars. The National Bank needed to send a "release form" to the Royal Bank asking for electronic payment and my husband agreed to the terms. So at this point 6400 dollars in limbo (which is fine because we know where the money is and it won't be long before the limbo money is returned). This is A LOT of money to us. WE ARE NOT RICH! And have normal bills/debt like any other.

I had saved for three years to get this money for my pool, and improve our home. A few days pass and all goes as planned, Trevi declines the payment of the first 3200 dollars, and the National Bank takes 3200 for payment and the loan is closed... or so we thought. But wait!!! Why is another payment taken out of my husband's account!!! Of 9200!!! Putting his account into -1000 dollars overdraft! So now my husband's account has been -1000 for 6 days, including over a weekend. He had to go to both banks, driving all over the city, calling on the phone, and each institution has "no idea" what happened?! Not sleeping, missing out on relaxing sunny days to be inside talking with management of both banks to find out where the money is.

The banks need to "do an investigation" which may take up to 10 days!!! Both institutions "don't know what happened" and "can't give you money!!!" Are you serious!!! So now we have no money! No MONEY for food!!! NO MONEY for bills!!! No money for gas!!! For the car payment! For hydro! NO MONEY! WE DESERVE OUR MONEY BACK AND YOU CAN INVESTIGATE AFTER! We have payments and bills coming out of that account and if we transfer money into it it will just take the overdraft away!

Why are we the ones who are suffering for both the banks screwing up! ALL I WANT IS WHAT'S OURS! Oh and thanks but no thanks National Bank for the 50 dollar gift certificate to a restaurant which will feed my husband and myself not even one meal! What if we had children!! And children to feed! WE NEED THIS FIXED! AND WE NEED COMPENSATION!

I could go on but have run out of time and nice words. They aren't very customer service friendly if you don't give them your money. The money is just going to lawyers and the gov't and not to the existing families. What a real shame. They have no morals. This is after jumping through hoops for them and complying to all their demands. Go figure. They just want to know what you have and what they can get out of you.

Everything is paid off now. I pay all my bills. I have had 4 loans throughout my life that have been paid without late payments. Today I called about a car loan again knowing I would need a cosigner. After looking at my credit report the lady told me I would not be approved for a car loan because of my credit report even with a cosigner. OK I get it, I have bad credit. I took out 2 loans with the credit union (same credit situation). They worked with me and told me ways I could boost my credit, and allowed me to take out a loan. They never pushed me away as a customer. In conclusion, I will be closing my account with Royal Bank. Although the staff are very friendly Royal Bank as a whole don't care about you as a customer. They have never once tried to help me with my credit.

When I returned home I phoned Veterans Affairs and told them what happened and I was told they never heard of something like that happening before. I am now waiting for a return call to see what they have to say. I am fuming after being treated almost like a thief by Mr. **. If I didn't have so many investments at the Royal branch I would seriously consider moving to another bank. This is not the first time something like this has happened when dealing with my mother's financials and I would never overstep my POA by taking out money that does not belong to me. The interaction this morning with Mr. ** this morning was an EPIC FAILURE.

I had a lawyer contact RBC lawyer who said I needed to sign an affidavits explaining I had nothing to do with the business and that my ex and I were legally separated. My mortgage came due and because of RBC I am now losing my house before christmas. Why do I have to pay for my ex's dealings with RBC, because he has no assets that they can go after? I work with the public and a lot of new home buyers and I tell anyone and everyone my story and not to use RBC.

They do Not look out for the best interest for the client. The home line was not transferred and there was a shortfall of $15,000.00 and the account manager open a separate credit loan to help me out. I have waited over 9 months for my new home line to be activated, still has not happen looking at BMO, my advice when make stink they tell another day you will have an answer, this never happens. My favorite is that they tell before you make a complaint to the ombudsman you have to get a resolution answerer from client care, I have waited 9 weeks, "How long do You have to wait". My advice, go with BMO - they do not have mobile mortgage specialist, other words "subcontracted paid on commission".

Here are banks you should use TD, Scotia Bank, CIBC and Bank of Montreal! Notice I gave these banks capitals because they deserve it! Royal bank, I will make sure everyone I know and everyone I ever meet I will tell them NEVER, EVER to use your crooked banking system. And not to brag we know A LOT of people and in a small city that matters. I pray GOD enters your hearts and bank one day this way you can stop screwing over your clients. If I could give negative stars I would but it won't allow me on review.

I asked if she could speak English, German, Portuguese, or Spanish, and without a word she transferred me to another random guy. This guy picks up again rudely in French, and I ask if he can please speak English. I then explain that I'm sorry about calling him because I don't think I'm in the customer service area, and ask if he can give me a functioning number or transfer me. He said that he doesn't deal with customer service questions because he's running a proper bank, and says to hold and proceeds to hang up on my face! Who does that? THIS ISN'T EVEN MY BANK, AND THANK THE HEAVENS FOR THAT.

The next month, I received a letter saying the bank want a full payment of my credit card. They don't want my monthly payment. They want 6000 together. Unfortunately, I don't have that kind of money to pay right away so they try to intimidate me saying they will sell the house. But now they went in to my job and garnish my payment. No, I don't have money. I have to support my 3 kids and still they going to get payment not the full amount. My situation is really bad because I ask for a loan and other banks refuse to help me because Royal Bank give the worst credit and my debt 10000 because I now I have to pay the lawyer that Royal Bank hire to go after me. They are so cruel, Unprofessional. Never deal with this bank please.

No idea what is going out of our accounts. Basically almost impossible to run a business like this and being treated like some criminal when nothing out of the ordinary has gone on, that hasn't gone on for the last 15 years. If there is a problem, why not call us in and have us meet with someone to explain. I am furious right now and shopping for a new bank. This type of service could have you bankrupt in no time!! NO THANK YOU!!

What a shame? I held them personally responsible in emotional and psychological abuse towards my father. There was also financial and exploitation abuse including the disappearance of $40,000.00 in my father's account. Since my brother was his POA with this bank our bad experience after two years is still unsolved and I am unable to find a decent lawyer to take our case to sue them. So please beware of RBC because they are not ROYAL at all.

One day, I put some money in via interact, which I hardly use which I was talked into signing up for. I made only two interact transactions in about two years. When I checked my account, I noticed a lot of money missing. I later found out that there were 79 transactions made within a short period of time even though RBC assured me that they monitor interact banking. Really now? Turns out that my estranged daughter somehow got a hold of my card, thinking her father provided it to her as he is the only one that had my card info as he was making child support payments to me. I am now out almost 10,000 because of it and the fraud department refused my claim, because it was my daughter. If my accounts were monitored as they said that they are, then why was I not alerted? My friends who have a high income were called after two suspicious activities on their account. After what happened to me, they are changing banks.

My sister called today and told me that she is pulling out as well. She also told me that when she worked at a bank there were three classes of clients: A, B and C. I used to be an A and will be again as I am going to go for retraining and supplement my pension. Now that I am a C, I am not taken care of at all - Just ignored. I really don't feel safe having my money in RBC, nervous about what else is going to happen. I have three complaints against them in house as I feel that because I am low income, I do not get the same service anymore. If RBC doesn't give all my money back including fees, then unfortunately I will be going to the media with this one. How dare they treat me different because of my income change. I will not give up until I get all my money back, will complain to whoever wants to listen. When I get my money back, then I will be pulling out all my investments and money.

3. Final straw; I checked my bank account and saw I was overdrawn so went to an ATM at RBC to deposit a cheque ($500) from another bank line of credit to cover. A few days later after payday I went online to pay bills. I was able to see money in my account but not pay bills. I phoned helpdesk who said there was an issue with my card and I had to visit the branch to resolve . I left work and visited my local branch customer service desk. The staff looked up my account and said she would find a bank agent to help me. Within minutes a bank agent stepped out and in the waiting area of the bank, told me my online privileges were cancelled because of ** I don't recall the term but because I had bounced a cheque from my own account into another!

I was highly embarrassed for this to be broadcast to all and sundry in the bank! I left. I realized upon checking that the line of credit cheque had bounced but did not know this before. At no point did RBC call or email me to ask or discuss this. I wrote a cheque from my rbc account to another bank and have used them since then. After many years as a customer it seems that I was no longer welcome at RBC .

They would not accept anything from me unless it was back pay or interest. There were no other options for me and each time I would ask about the closing of the acct so that I could pay the 25% the collections dept would not have any of it. I had contacted other loan officers from other institutions and they did not understand why I was being treated in the manner I was because at their banks the situation would have been handled easily. I was contacted by a lawyer who works on their behalf and the $28,000 I was supposed to pay turned into a lien on my house and me paying $45,000. This institution goes against everything this country stands for. The impact of this situation almost made me homeless. Downright and utterly despicable.

The next day I visited the branch where the account was opened and saw the account specialist that had opened the account. This person did acknowledge that no overdraft was requested, and was in writing right in front of her. She then went on to say how she had no idea how this could happen. After she went to see her supervisor (bank manager). Upon her return she informs me that since I was a long term R.B.C. customer with a great credit rating, the bank automatically provides me with an overdraft availability. The joint account person somehow discovered this and took advantage of it. They, however did not check out the credit history or worthiness of the other account person, which would tell them that this person has stiffed 4 other banks by overdrawing and never seeing a repayment.

Now R.B.C. is telling me that if this is not repaid in a timely manner that it will affect my credit rating. When I opened this account at no risk to me (no overdraft allowed {in writing}) according to the specialist that opened the account. Because of their generosity and stupidity I am in a bit of a pickle. Where do I go from here??

My parents have been a customer for 23 years or more. They purchase even GIC, RRSP for min of $75000 which my father cashed them to expand the restaurant. Now from Nov 18 2015 to today's date my mom has no credit cards and they gave a loan line for $10,000 to pay back. She has great credit, a homeowner. Her net worth is over $650,000 and the Royal Bank treated her after 23 yrs doing business with no respect on her loss. And to top it off the have a collateral mortgage which they did not lead any money to her. She to pay off the balance of $10,000, and they hold a home of $390,000.

I understand that today there is no personal banking with banks. The Royal Bank should not argue with my mom but help her. They should left the line and her credit cards. They were secured on her home which was worth 390,000. Thank you Royal Bank Of Canada in Barrie Ontario 128 Wellington St West 705 725 - 7800 for not helping my mom at 78 yrs old and having a lost of my father after 60 years and she has assets taking away her credit cards and Line, and treating her so poorly that she speaks of it once a week. She has a great business which today is still operating, so they even see the income going in the Royal account. What is their reasoning for taking everything away from her?

They do what they want to do! The Bank should be Held Responsible. It's a crime they can do these things to honest people, trying to make a living, instead of helping, they destroy lives! So far I still have the House, but living in this nightmare for two months keeping my head above water! If we are suppose to be consumers and purchasing products from them and trying to follow guidelines, but what are RBC's? They make up their own Rules.... Nothing Can stop that, unless everyone pulled out!!! Miserable in Ontario!

We had to pay them a large sum, more than we could have possibly owed in that time frame, as well as their legal cost or they would foreclose. We filed a complaint with the ombudsman. After more than a year, we get a report that is full of errors, contradictions and inconsistencies. We still have not found out where our missing payments are. I found some information regarding a class action since this is a regular practice of RBC.

The woman on the phone said her hands were tied and I would have to visit the branch in person to speak with a manager if I had questions. I have several bills being deducted from my account this coming week, all of which will go NSF. And I was told that those fees are not the bank's responsibility, but mine, and they will not be waived. Needless to say, I am closing my accounts and making every effort to drag their name through the mud.

On 9 Mar 15 I went to the branch to find out where our money had gone and the manager would tell me nothing citing unspecified "privacy concerns". Our daughter understood that a new account had been set up but was not aware that the bank was now in control of it. On 16 Mar 15 I met with the manager and one of the account managers to provide Power of Attorney documents and return our accounts to their original state. They would still not give me any details and said the POA document had to be approved by their legal department which would take about 1 week, then everything could be rearranged. On 26 Mar 15 the manager called to say a doctor's note for my wife would be required, which I provided.

We then went to the Dawson Creek branch of the bank where our accounts originated to find out what was happening and it was here that we learned all of the details and it could not be reversed there but had to be done in Spirit River. On 9 April 15 our daughter had a conversation with the manager and learned the details of what had been done. She was not happy with the arrangement and told the manager it would have to be returned as it was. On Monday 13 April 15 my wife and I met with the manager and everything was returned to it's original state. BUT THIS IS NOT THE END OF THE STORY!

On 22 April 15 I received a registered letter from Spirit River branch informing me that the bank has determined that my wife may not have had the mental capacity to understand the POA or the joint account. As such the bank has removed all access to all of her accounts. In their words, quote "THE BANK WILL CONTINUE, AT ITS OWN DISCRETION AND ON A BEST EFFORTS BASIS ONLY, TO ALLOW TRANSACTIONS TO BE MADE ON THE ACCOUNT THAT PAY HER LIVING EXPENSES..... YOU MAY PRESENT ANY BILLS IN HER NAME THAT REQUIRE PAYMENT IN HER NAME AND WE WILL PAY THEM FROM THE ACCOUNT." The manager was given what amounts to POA powers over my wife's affairs without her knowledge or approval!!!

We have now managed to retrieve all of the funds in all of our accounts and moved our business to the bank across the street. If I had been asked 2 months ago if such a scenario was possible I would have considered it extremely humorous because it couldn't happen. Shows you how little I knew. Recommendation: STAY AWAY FROM ROYAL BANK, ESPECIALLY SPIRIT RIVER BRANCH. IT IS PURE POISON!!

I phoned the mortgage center to renew my mortgage to make sure I will get a decent interest rate and the documents that they sent me in April 20015 had again 53 years of amortization this is after many telephone calls and discussions on this problem. They were only negotiating the interest they own me as if this was a gift from them. They also asked me to signed a document "the interest that they owe me" is the settlement on this matter. In my view this is far from settlement, it is the normal adjustment of interest that should be made to correct their mistake. Also they pressuring me to sign a fix mortgage at 2.69, only then they will give me the first year of interest. This is because they know that interest rates are predicted to fall again. So that if I take this "good deal" they will continue to profit from me.

Right now, I'm working with mortgage broker right who can give me Rate-Capper at 2.15 interest rate. The problem is that to leave the RBC will cost too $$ since the mortgage is attached to a home line of credit. The big losers is the public when it come to renew their mortgages there is not such as thing as freedom of choice! PLEASE DON'T TRUST RBC.

Right above my head was a camera. I said ‘go look at the cam”, they said they could not do that..and she looked fast for the check but said 5 pm the checks were took and sent to Halifax...would not call the guy who picks them up to look or look at the camera. The checks were my rent and food for the week, now I got to wait for a week or two to make sure the check was not cashed before I can get a new one. So only part of my rent was paid, and hardly any food.

The bank person once I handed her the checks it's her main duty to make sure the check goes into my account. That day she was too excited about going home she misplaced it and never put it into my account. This is just so so awful...the bank lost my money...and said they could not do anything about it unless it shows up. I'm changing banks and going to news reporter to do new report on it. It's just awful...can't even trust bank anymore due to stupid people working in the Riverview nb rbc bank.....

I work in U of T system, and get paid once a month. I repay my credit card immediately. In December each year I get paid 2 weeks earlier (we get 2 weeks off for Christmas). According to my credit card statement I missed January payment (paid twice in December though) because my next payment came on January 28, right after I got paid. It concerns me that I'm treated as a bad payee, even though I make regular payments. I had an appointment at the bank to sort it out, but they wouldn't even listen - you missed the payment, that's it.

Avoid ** at Dundas/University and ** at Bay/Dundas by any means. Horrible customer service. They treat their loyal customers (I was with them for more than 5 years) very poorly. RBC fees are higher than in other banks, and their customers are stuck with poor customer service. Switching banks, I had enough of RBC "experiences". ** was very straightforward: "If you think other bank will take better care of you, go ahead". I guess I have nothing to add.

When they froze our account we did not even get a call from RBC to inform us and ask us what the problem was. We were pissed off. At least I was and to add I phoned RBC many times through the last couple of days to try and find some answers to fix this problem and phoned and it was a call center. Need I say more I talked to 6 people and all different people and 6 different answers which almost drove me to the point of driving to the branch and talking with some one the branch was in Trenton Ontario Canada on Dundas Street.

I am now in the process of totally closing out all of my accounts with RBC and going to my local credit union which I have dealt with in the past and really wish I stayed there with all of my banking needs. Online complaints with RBC are overwhelming. With our experiences with RBC my advice would be don't go there!! We are now talking with lawyers with this bad, bad service and will advise here on how things turn out.

To make a long story short, they "hot-carded" my card...meaning, there was a message on my card that it was stolen or being fraudulent. Teller calls to take this message off because it's obvious I wasn't up to any funny business because they know me and I spoke to them immediately. They can't get the message off until someone views my account...It could to take 2 or 3 days! Not only do I not have access to my cheque but they will not release ANY funds from my account. It happened Thursday and today is Monday. All my money is in that account. I had to pay for a birthday party for my daughter that weekend and feed my children. How do you do that when the Royal Bank has all of my money? Once they have released my funds I will no longer be banking at RBC.

I live in Nova Scotia. It was still January and we only had a regular winter in Nova Scotia, nothing extreme. I was told if I called her back and said tree fell on my pool they would cover it. I explained to her the deck wasn't even touching it. She said once again, "Call me back and say it was hit by a tree or have a contractor write a note saying it was damaged from a tree and they would pay. After hearing the conversation was recorded and all the talk of insurance fraud, I figure I am better off changing companies in the spring and paying for my own pool. Unbelievable how bad the service is. I felt the RBC license insurance agent was asking me to commit insurance fraud; I felt like I was being set up. I still believe my policy state the pool is cover, but without taking legal action it impossible to fight a big bank and the cost would out weight the $8500 the pool cost.

Tip: DO NOT get your insurance through the bank. Go with an outside source governed by FSCO (Financial Services Commission of Ontario) or whomever governs insurance companies in your area.

Somehow the bank renewed the mortgage for 300,000.00. I made very complaints. However on December 20, 2013 the bank froze my account taking my 500.00 overdraft away as well as my Visa stating I was a risk. I saw the bank Manager at the mall. She gave me a hug wishing me all the best in the new year. When I went to use my card for Christmas presents, food, etc. my account was frozen. In Jan. 2014 the bank started foreclosure actions. I have filed a complaint with ADR in October 2014 waiting for a response. On Jan 3, 2015 the bank is going to take my home. I need this stopped. The bank will not help me or tell me where the difference of 300,000.00 and 233,000.00 went to. I need this action. Please contact me at ** or contact me at **.. The bank has totally wrecked my credit.

Then a few months later. When I look at my bank accounts, they have started to increase my loan and my credit card without my permission. BUT hound me to have my credit card bill paperless. (NOT HAPPENING). After the second attempt to increase them I have to call again to say NO!! I am then told that I should keep as is as I would have to call back and wait 6 months before I could be approved again. STOP APPROVING ME WITHOUT MY APPROVAL FIRST. IF I WANT IT, I WILL CALL AND ASK LIKE I DID.

Now the month of Oct 2014 I need emergency renos done and need some money. I call and ask for the line of credit increase to be added back on. I was told it has been a year so should not be a problem. I am put on hold for 20 minutes to have the rep come back on the phone and tell me I would need to remortgage my house to do this. She could set up an appointment for me. I said, "Nope, I will take my business elsewhere," and hung up. I call back to ask about my credit card and ask for an extra $1,000.00 and told "oh we can increase it more." I say NO and they say but better to have more. I said I only want $1,000.00 and trying to get out of debt and not more in debt. After arguing and saying NO 2 more times I then state AGAIN LEAVE as is, I will take my business elsewhere and I hang up.

I go to another bank and get approved for more than enough to cover all my renos. I just need to call RBC to find out the mortgage switch out cost. I then speak to someone and mentioned the issues, they then advise they will look into things for me to see on an increase. I state what I was offered by the other bank. I spend time answering all required questions. Then told they will call me back by Friday. BUT The rep I spoke to was out of the office Friday and will leave it for another person to look after. I am sorry BUT IF YOU WANT MY BUSINESS YOU THAT TAKES THE CALL IS THE ONE TO START AND FINISH THE TASK AND NOT FOB IT OFF ON SOMEONE ELSE. So the next day I get a call to say I am pre approved for a set amount BUT I would need to go into a branch to sign papers. NO further details, NOTHING. The other branch still offers more than RBC so I call RBC back to speak to someone and ask the questions left unanswered by the mortgage rep. After questions answered with his frustrated voice to me, rushing me off the phone. I then stated to put a note on my file. I will call back after checking one other bank. He said that was the max they could offer and that was it end of story I had 10 days to decide.

YET AGAIN making me realize they really don't want my business, let alone VALUE MY BUSINESS. A few hours later I go online and see that the IDIOT I spoke to before about my credit card did increase it WITHOUT my approval. I call and speak to another rep to log a complaint. I mention about them not using the Loyalty statement and they say NO cause it sounds ROBOTIC. ALL CALL CENTERS HAVE SCRIPTS THAT ARE ROBOTIC. A good rep knows how to NOT make it sound robotic. DUE to the credit card increase if it is trying to screw up my credit rating. I told the rep I will be more angry then I am. All I get is sorry for your frustration. IT IS NOT FRUSTRATION, IT IS ANGER at the way they have been messing me around. It is bad enough they want my business BUT I have to pay a monthly fee to have accounts with them. They should pay me for the crap I have been through. Or reimburse me the 37 years of fees I paid as a loyal customer. Tangerine does not charge a fee, why should other banks. I recommend Tangerine over RBC any time someone asks me about banking.

This process of centralization is supposed to increase their efficiency. They have taken all the powers away from the management in the banks where we can't even request this removal with a letter from the local manager. How in the world is this good customer service??? We have been customers in this RBC bank for over 40 years, have a high credit rating, pay our Visa off every month in full, do not owe them a penny and deposit a goodly amount every month in our account. And there I sit begging to have something done so I can continue with my transaction that has been put on hold for a longer period of time because of inefficiencies in the banking system!!! I will guarantee that they will NEVER be able to do this to me again. If you are reading this - take my advise and take your business to a credit union which would have had this done in a matter of days. If you have a mortgage that you paid off or want a caveat removed, the same thing will happen to you. I feel like I have lost control over what is mine. I am beginning to appreciate my local credit unions more and more. They look after the little guys and care.

I am outraged because I already paid for a service so that this doesn't happen. So essentially you're paying extra money for a service that you really can't use. Originally I thought the stop payment fees were included in my account and when I asked to have those reverses I was told no. So I left it alone. The branch teller I was dealing with said everything was okay and that the stop payments were all in place. It shouldn't happen anymore. Now everything is bouncing out of my account and it seems they are blaming me for it.

I said I was fine with it going trough my account and that wasn't the issue. It was all the NSF fees the bank would be charging me. The customer care manager Alicia refused to reverse any NSF fees back to me. She says I will reverse the stop payment fees but the NSF still stands. I have other bank accounts before and when I had to place a stop payment, I never had an issue and if the system didn't catch something the bank would make sure I wasn't being charged for it, as really it isn't my fault that the system didn't catch it.

The Royal Bank tells me that if a company changes their name or amounts, basically the stop payment would no longer count. However some companies can be sneaky. How is that my fault? So my local so-called client care manager didn't care about me whatsoever. More like wanted the money. $180 in NSF fees was more important to a million dollar company. After not liking her response I called the 800 number and voiced my complaint to them. They basically said the same thing that they cannot guarantee a stop payment working. So they take my money to place the stop payment and now are charging me a ton on NSF fees for something that isn't my fault.

In case anyone would be wondering why I just don't contact the company themselves and get them to stop their payments from going through, I tried this. They refuse until they have received the bankruptcy papers. That is completely beyond my control. So basically nothing can be done and every 2 weeks I just have to be stuck paying NSF fees. That is ridiculous. I have never in my life been treated so poorly from a bank. I feel like they don't care about me and that I am just being ripped off.

For the first little while, the people at RBC were seemingly helpful, offering apologies and promises that they'd rush the cheques out right away. After many phone calls, we learned that there was an issue with our address for delivery, as whoever had entered the information had the proper address listed, but neglected to add the Apartment #. This was only for the cheques though, as a letter sent from the very same office arrived in our mailbox just fine.

After contacting RBC again and giving them the proper, full address again, they sent the package by registered courier. Without a tracking number. Unsurprisingly, it never showed up, and with no tracking information, there was nothing we could do. Around this time, the RBC employee handling the claim started dodging our phone calls, picking up only rarely.

We contacted them again, and once again they had the package shipped out by courier, namely Purolator (who will also be getting a "lovely" review). And once again, RBC failed to put our apartment number on the package, so it was sent back to the sender as "address incomplete." After finally contacting RBC again, they agreed that as soon as they got the cheques back from Purolator, that the money owed would be directly deposited into my girlfriend's bank account.

They got the package on Monday, July 21, 2014 9:21 a.m. It's now Wednesday, July 23, 2014. Still nothing. And to make it even better, we live in Alberta, while RBC's 1-800 "Customer Care" numbers are all based in Ontario, running Eastern Standard Time, and only available from 8-5. That being 3 in the afternoon where we live.

Oh, did I mention that the insurance money for short term disability claims is to help people with their bills *during* the time that they are off work? Things like rent, power, and phone bills? I feel that would be important to note, as through the utter incompetence of RBC Insurance, we've already received one eviction notice that we avoided by 1 day. And if they can't get this sorted out, we're facing another one in a week's time.

To sum it all up, RBC is useless, their help lines are useless, and I would urge people to bury their money (preferably the old papery kind) in a paper bag at the bottom of a river before I would ever suggest being a customer of RBC in any of their guises.

Had very little concerns up until about 7 years ago when they made the move from the small personal centered banks to erecting their Financial Institution and the onset of the 1-800 call centers. In hindsight I look back now and see that this was a judicious move away from that very slogan "Personal Touch Banking" to an aloof, indifferent and incredibly uncaring institution. Moved from my home town of Toronto out to Alberta with my only child Shannon 7 years and set up an account in Wetaskiwin (while retaining my original account in Mississauga). Two years into the move she became very ill and over the course of the next 6 years was hospitalized over 70 times.

When she arrived here AB she was a strong, smart, funny, accomplished young women of 27, had 5 years of Law under her belt, went to work for the Department of Justice, Alberta in the Court System, also had about 6K remaining on her student loan for her law career. She suffered 3 miscarriages due to her undiagnosed illness during those years. The geniuses out here said it "severe, uncontrolled environmental asthma" (Alberta is not a healthy place), one out of two people will contract cancer during their lifetime here. They were wrong, much as the RBC was and remains so today.

Her medications and treatment regime skyrocketed in a very short timeframe. I went to the Royal and took out a $9K line of credit to help pay for medications that skyrocketed to almost $70K at her death. I kept the Royal completely informed with telephone calls and personal visits to my account executive. People, I have to tell you, the things that took place, the decisions made by the banking institution despite the fact that the credit line was completely insured (and I paid for that), were hair raising. There were times when things were so tight, so incredibly hard, so frighteningly tenuous with no reprieve anywhere in sight from the government here in AB with respect to help, to my banking institution when looking for a reprieve from the incredibly crushing interest rates imposed, I thought I would lose my mind.

Despite numerous calls and visits to them, they continued to persevere without a single iota of concern for the personal situation our family was in. This was not a derelict account. Payments were made and food was not bought in order for prescriptions to be purchased. I had every intent to continue to meet my financial obligations as I had done for 5 decades before. Not once during any of those exceedingly difficult and terrifying years did the Royal ever once opt to lower the interest rate to give our family the much needed room to provide for my only child, much needed medical help. Past financial history and business relationship with them meant nothing, nothing at all.

If I couldn't meet the payment date by a day or two dependent upon my payroll at work, I would be hit with a $43 NSF for the withdrawal from my account that was a day or two late. This happened over and over on top of the crushing interest rate. It almost took me out. I would call 3 days in advance to let them know the date of my automatic deposit from my payroll, ask them to give me stay of grace for 48 hours, it was never, ever taken into account. They absolutely 100% wanted to make certain I was on the hook for that insured amount of $9K and that I would never ever get out from under the responsibility of that line of credit. Was never my intent to shirk that commitment I had with my bank; however, my commitment to my ailing child was tantamount. They could have given a rat's **. They are so all about the money it's frightening.

To make a long story short, my only child succumbed to her illness and died at 35 unexpectedly (we thought she was rallying and may be turning a corner, she was not). She had taken out an insurance policy through Alberta Justice unbeknownst to me, I believe now in retrospect that she knew she was not going to make it. I did not at the time think this. I was able to pay off the $6K owing in a lump sum which RBC balked at (seeing as they were making money hand over fist from the gouging) but it was finally completed nonetheless following her passing. I removed all of my finances from them (have left both my checking accounts and line of credit still standing as a reminder to them of "what you had and what you lost).

I took my business to the TD and have been pleased with both the attentiveness given me (because they are indeed using my money along with countless others to run their banking institution) and so they should give me this consideration and care. I took the time on the phone to tell RBC exactly the reasoning for this move, I felt my parents with me (they have passed) on that day I undertook that hard decision. They have had none of my business this past year since Shannon's passing. None. And here's the kicker of all.

After all this time has passed, I found myself in a position where I had to put $5000 on my line of credit for less than a couple of weeks. June 6 the money was taken out, June 26 it was paid back in full. I called the Royal prior to making the payment to enquire if there had been any interest accrued, they said no. I went and obtained a $5000 bank draft from my home bank TD and went to the teller that very day at the Royal. I confirmed with the teller, no interest had been incurred and double checked online. None. Paid the amount owing in full after much ado, they for some bizarre reason could not apply the money directly on the credit line, it had to go into my account first and then an order to withdraw and apply needed to be done. I asked for a call from the teller before the close of business that day (because I so know exactly how they operate after many, many years of being filleted and deboned by them). She called me at 4 to say the payment had been applied.

On the 30th of June I received a letter in the mail from RBC Collections computer stating that I had not only missed my payment, but that I owed $27. I called them and spent 40 minutes on the phone with Veronica and got absolutely nowhere. She had to refer the case to her higher ups. I know they will find the answer but she told me I would continue to incur interest on that $27 till the matter could be settled with her higher ups. RBC long ago removed themselves from the scrutiny of the Banking Ombudsman; it appears TD has as well. I believe they have done this due to the penalties imposed for impropriety and questionable business practice. I know this will be remedied as have many of the other instances of gauging and blatant gluttony.

Please believe this writer when I tell you up front and honestly, do not give this bank your business. They are undeserving all around. They will not be there for you (as your money is for them). Their word means nothing. They assume no responsibility whatsoever for banking mistakes but they will be all over you like white on rice if you are a day late in a payment or you cannot provide proof positive of an exchange either at the teller level or on the phone with the 1-800 number. They will discourage you, give you the most incredible run around and make you do all the homework for their mistakes with the hope you will throw your hands up in the air and give up. This is how they make their money.

Never, ever give them one cent of your hard earned money, nor give them an opportunity to latch onto you. They will drain you dry. Have nothing but the worst to say about the present day institution and their impersonal and greedy practices. Steer clear.

In the mean time, after trying at least half a dozen times for the Royal Bank to take the check from TD bank, I was laid off at work and to make a long story short I absorbed the money that was to pay off the car loan over the next 3 months just to live. I have never seen the branch manager ever again at the Royal Bank branch. So what my father said to me must be true, you don't become the biggest bank in Canada by being nice, so screw you Royal Bank. What I owe you now I take to the grave, I wish you nothing but ill will.

The second lady we spoke to was very helpful and have us several suggestions that we could use to build our credit and save for a down payment. So we did what she recommended and we started putting $250 a month into a "spousal RSP" to build my wife's credit. Another $500 a month went into a "tax free savings" in my name for my credit. In about six months we were able to purchase a home. THANKS RBC.

Things were moving along nicely. We had a family, a home, life was good. Then I became ill and was unable to fulfill my contract at work (self-employed truck drive) and lost and was let go. Immediately, my wife and I called the bank to let them know about our situation and if there was anything we could do to weather the financial storm that was sure to come. Somehow the insurance I requested for "death and or disability" was missing! If I died, it was covered but if I got sick... Too bad! So we asked for advice. "Sorry! There's nothing we can do!" was the response we received!

My wife and I own a second home and had loads of equity so we suggested to the bank that we do a refinance. Denied! We asked if we could defer payments and put them on at the end of the term. Denied! What about extended amortization period? Denied! These are all things made possible by CMHC yet we were denied the use of them even in our situation. So magically, no insurance! Funny how that slipped through the cracks!!

I'm working again, and exactly when I told the bank I would be, but it's too late! They are foreclosing on my mortgage and we're gonna lose our home! My 7-yr old boy and 3-yr old daughter will become homeless. Our other property is in Foreclosure as well. We only have $2,400 worth of mortgage payments in arrears! That's it!! I can make that up in a second once a pay cheque arrives. RBC doesn't care! Find someone else to take the mortgage or we're gonna sell your home they told us! Unbelievable!! 15yrs for what! To get ** over $2,400! What a joke!

RBC... Your greed disgusts me beyond belief! I will make sure that if anyone ever mentions a bank in front of me, they will hear this story! This all took ace at the branch in Hinton Alberta! I will not however do lose the names of the individuals who are obviously greedy idiots with nothing better to do than out us out on the streets!

In January 2014, I emailed Yang regarding the release of the GIC, but he never replied. I called him and left voice messages, but again no response. I was frustrated and walked into a branch closer to me to see if there's any account manager that can rectify this for me because at that time, I didn't want to deal with Yang anymore. The account manager was not sure why the GIC was on hold, and was a bit hesitant to release it. She left a message for Yang to contact me. Again, I never heard from him.

Two months ago, I stopped operating the franchised store and was planning on selling it. My business account doesn't have much money left, but I was still keeping my rent and loan payment up to date. The head office of the Franchise agreed to help me to find a new franchisee to take over the store and the lease. So they contacted the bank regarding the loan. That was on Apr 23, 2014. We called Yang and the CEO of the franchise left him a voice message to call us back. I never received any call back from Yang. At that point, my account didn't have much money left, but my loan payment and rent are still current. Since I couldn't get anyone at RBC to release my GIC that was secured for something that's closed over a year ago. I got a hold of the Assistant Manager, Neil **. During our first conversation, he promised me that he's going to release the GIC and transfer the amount into my RBC Business Savings account. I was satisfied, until I realized that the GIC was still on hold and nothing was done.

I tried to call Neil and left him several messages few days following our conversation. Never heard back from him again. I got a hold of the branch manager, Fred, and he promised that he will ask Yang to get back to me. On that day, Yang called me, but I was busy, so he left me voice messages and emailed me. The answer I got from him was not to my satisfaction. In his email, he mentioned that because the head office of the franchise told him that the store is not in operation, my loan has been sent to collection and he could not release the GIC anymore. He basically told me that this loan has nothing to do with the branch and I should contact the Collections Department. I was in shock! My loan payment was up to date, why should it be sent to the Collections?! The only reason I needed to release that GIC was to make sure that my loan payment is not behind during the transition.

After I received his email, I called the collections department, and found out that they didn't have my file. I was transferred back to the customer service at the call center. At that point, I was frustrated and confused. The representative on the phone gave me the name of Yang's direct supervisor, Shameer **, and she transferred my call to him. It was around 6 or 7 pm on Apr 30, 2014. I didn't expect him to answer the phone, and I left him a message to call me back. On the same day, I left a voice message for Fred, the branch manager, to call me, but he never did. I left Shameer another message the next day during business hour, but I never heard back from him.

Here I am, frustrated and furious. No one calls back or tries to help a customer to solve a problem or clarify the situation. I thought the first contact should rectify the problem. I felt like I was being pushed around and always ended up where I started. This morning, I called the collections department again. I asked her why my file was sent to collections when my payments are up to date. I wanted to arrange payment as I have someone buying the store, and the franchise head office is going to arrange the payment to be paid to the bank directly. Whatever is left on the loan after the sales will be paid out of my pocket, and I understand that. Then Ramona (I think that's the representative's name) told me that I cannot sell the store now, because it's in collections. She kept on asking me if I'm ready to pay my 25% of the loan. Why would the bank want to take the equipment in the store (which is worth $10k at max) plus my 25% when they can take a full payment on the loan?! Whats the rationale? 100% vs <50%, it's a simple math.

I would never recommend this bank to anyone I know. In fact, I would tell all my friends and family to stay away from it. I don't think what they did was legal. Holding the client's money over a year for no legit reason.

Trying to do the right thing, I finally capitulated, gave up pride, and began to ask banks for consideration. Yes, I made them aware of what I was going through. TD Canada Trust actually offered to help, and I took them up on it. But the Royal Bank of Canada would hear nothing of it. When I told them TD CT had offered to help, and asked them if they could do something for me (reduced payments, interest reduced, etc.) I was told flat out "no". They do not do such things. Their recommendation, and it was one I was definitely willing to consider, was to look at a loan to restructure my debt. That failed, and it was also a "no".

This is what I was told in e-mail, verbatim: "Your application has been reviewed and unfortunately we're unable to approve loan or restructure your debt at this time. This is based on your current credit facilities and lack of personal assets." Ah, yeah. What was I thinking? Obviously if I had assets I would have bartered to use them to help myself. My response to RBC, in part: "Not a reflection on you, but my two cents worth on the bank is that it's not willing to work with people through hardship. How content would or will RBC be if I'm unable to make payments?" How content indeed... as I'm finding out, they won't stop, even for a monthly payment that is at this point, 10-12 days late. (I checked my account online. I owe an overdue payment, plus a current one whose due date is coming up.)

This bank rakes in huge profit every year, and I know some of it is on my back. So be it. I got myself into this. But I'd like to know how they help the little guy. I'm wondering out loud how the few hundred dollars I owe is going to break them. So I'll make my late monthly payment (no, not the first time I've been late) in the next day or so, feeling that above all other financial considerations I might have, if I don't come through for them, even when they won't do anything for me, I will be 'pursued'. Regardless of whether my feelings are warranted, I now feel I have to go into stealth mode to keep this bank at bay. Whether wise or foolish, I have stopped answering the phone. (Tired of the typical delay you get from automated call centers anyway)

I'd be happy --mildly thrilled-- to think the RBC might actually have compassionate people on board somewhere. Instead of that, I had a response in social media, asking me what number I was being called from. That response was totally ... unhelpful.

The two missed payments were registered against my credit history resulting in my credit rating dropping from 'excellent' to 'fair'. On May 2nd, I contacted RBC via telephone requesting they reverse the information. They have declined my request. They state they tried to contact me twice via telephone regarding the missed payments. However I never spoke with them. After investigating my call history, it appears that RBC's computerized call system does not allow time for my answering system to start recording, so no message was left. There is an Alert Center Inbox on their online banking site, and they sent no messages to me.

In RBC's response to me they state, "I can assure you that this one time late payment scenario will not severely impact your credit history, and within some time of managing your accounts well, the effect will be negligible on your credit score." According to Equifax, this is false. The drop from "excellent" to "fair" has already severely impacted me it and will remain in effect for 3-6 years. RBC's assurances are as empty as their advertised commitment to customer service and "Values".

Pre-history:

My wife has migrated to Canada from Iran and at the time of her accounts being suddenly closed has been in the process of waiting to receive her Canadian citizenship. The sanctions against Iran have come in effect shortly prior to the above mentioned letter being received. One month prior to being informed of RBC closing all of her accounts, she has opened a joint account with her twin-sister, who was visiting from Iran and planning on moving to Canada as well (hence, the need for a Canadian bank account). One year prior to this incident with RBC, my wife has ran into a dispute with her employer (documented and processed by the Ontario Ministry of Labor), who owed her one full year worth of wages, been accused by US Security Exchange Commission of a stock fraud and escaped from Canada two days prior to FBI agents arriving to his doorsteps at PEI.

This entire development with SEC and FBI was sort of an eye-opener for her, a complete surprise, something completely(!) unexpected. To make long story short, she has was threatened by the [former] employer and his accomplices that if she were to aid SEC, FBI, or RCMP in releasing any sort of information on whereabouts of the guy and his family or on the nature of their mutual business interactions, either the guy himself or his "colleagues" had promised to make her life in Canada unbearable and one of the first things they were going to do was to contact RBC and tell them that she has been lying to the bank about all the employment-related information.

All of these threats were sent over the Skype and properly documented. I have to mention that she has been working full-time as a web-designer for the same employer for six years, since she moved to Canada, had no idea about the details of the business her employer was involved in the past and etc. Anyway, the SEC and FBI had indeed contacted her and told her the truth about the guy she has been working for, how many people have been ripped off by him and so on - after hearing all of which she has told them everything she knew. By the way, the guy has just recently turned himself in, served 6 months jail sentence and has been released due to his poor health - overall not bad of a punishment for living a luxurious life and having millions of dollars kept in the offshore accounts for a rainy day.

As I have found out later, this individual has been on the run from the time he was 22 and has finally been apprehended by the authorities at the age of 69(!!!). He has been wanted in 7 different countries and even has a website dedicated to himself: **. Now, frankly, I have no doubts about the reason for the closure of my wife's accounts. Naturally, we were trying our best to force RBC to talk to us, which would hopefully allow us to show all the evidence we have in our possession, proving that they should not have listened to a criminal lying about a decent person. All we have achieved: RBC has filed a lawsuit against my wife. We have no money to hire a lawyer and file a discrimination lawsuit against RBC, neither we were able to have in writing the reasons behind the closure of my wife's accounts.

I have contacted the government, but RBC and TD banks are self-regulated financial institutions. The government can only help if we can prove that my wife's account was closed because of sanctions against Iran, which we can't prove due to the bank absolutely refusing to say why the accounts were closed. The best part was when we have contacted the RBC's attorney and tried to talk to them: not only they were absolutely oblivious of the entire history of my wife's "relationships" with RBC, but also have told us that we should talk to RBC's representative (which we have done many times!) or RBC's ombudsman (done as well!). The bank, whenever we manage to contact a representative with some signs of having a bit of common sense, sends us to the lawyers, saying that we should discuss everything we have to say with the firm that represents them in this particular case. Nicely done, don't you find?!

So I exercise my option to complain and I learn two interesting facts: 1) the customer care complaints office and 2) the Ombudsman's office will defer back to the original decision maker. The same fellow who does not seem to have his info straight. So why have a complaints process or Ombudsman. Our only hope is the external Ombudsman who might be able to help us bridge the time between moving his business account to another institution who is looking to actually be a bank to us and not a marionette master. In any case what a sorry lot of people with no conscience. One can only wonder what their home life is like. I never thought I would equate organized crime with my bank.

Deciding after 3 years to look at purchasing a property in Vancouver within my price range, I decided to take out a car loan to build my credit rating. I applied for $10,000. At the time, I earned $59,000 per year, and had a lot of benefits with my job. My disposable income (money I had that I didn't need to pay anything else) was approximately $800 per month.

RBC refused me the loan. They refused me the loan based on the Rogers listing. RBC had no interest in the dispute between Rogers and myself, and had no interest in entertaining anything that I said in my defense against the listing. I subsequently wrote to both TransUnion and Equifax to ask them to provide me with my legal entitlement to have 100 words published in my defense in respect of the listing, TransUnion have not yet done this. Nor have they sent me the updated credit report I requested from them to prove they had published my defense against the listing.

For information, the amount that Rogers claimed is owing is $500 for the cancellation fees on the contract (Rogers breached their contract with me three times, and refused to deal with my situation, so having over-paid $35 per month, I wrote to them several times and when they didn't respond to my complaints, I cancelled my contract). There were a number of other issues with the contract (such as I was told I could reduce my cost amount whenever I wanted, which turned out not to be true). The breaches of their own contract decided me to cancel it - all my bills were paid up to date and on time, and no money was withheld from them. I had continued to pay all monthly bills even though they had absolutely lied to me about the amount that I needed to pay. Rogers is a disgusting entity and I have no idea how they are still in business in Canada.

I have now come to the following conclusion: Although the credit bureaus were set up in North America under the pretense that they were designed to defend the financial institutions from giving loans to people who don't pay their bills, the system is used today by the large corporations (such as Rogers) to list as many people as possible. This facilitates the financial institutions in increasing the interest rate to people who have a bad credit listing, and from what I believe, this is most people. I would have to hazard a guess that working hand in hand in this manner allows the large corporations to obtain very favorable interest rates and other benefits from the financial institutions (although I suspect there may be a problem finding proof of this).

I have decided to leave the financial institutions completely and do only use them when I need to. Because they take my money every month and lend it to others to make a profit for themselves, I now visit RBC every pay day and withdraw my funds in cash. I now leave my hard cash in an easily accessible security deposit box, which costs me $40 a month, plus the pleasure of not making my money available to the financial institutions.

I leave a small amount of money in my account to pay my household bills, but because I don't want to continue transferring money through internet banking therefore allowing the banks to hold my funds for three days before they pass it to the people I am paying and gain the interest, I now pay my household debts using my credit card (the payment goes through immediately). I put the money onto my credit card before I do this or pay it before the end of the month. That way, there are no fees.

I pay my rent in cash, don't use plastic cards (including debit cards) any more and therefore don't allow the banks to make any money through any financial transaction between me and anyone I pay money to (I have removed their charge of 3% from the company I buy from). I maintain and continue to pay useless RBC an amount of $9.95 per month for one bank account, and they can swing for the rest of the money they were making from me. When I decide to purchase a property here, I will not take a mortgage for more than 50%. This means that I will liquidate assets and prevent myself from having to pay the huge amount of interest on the mortgage therefore enabling the financial institutions from making any more profit off me than I can help. I am standing firm on this. I refuse to support the financial institutions any more, given that they are refusing to support me. Because I refuse to support them, I am no longer willing to enable them to abuse their authority.

They consistently try to hijack money from me automatically. I have made complaints. Just recently, I got raked over the coals by a CLIENT CARE CENTER representative because I didn't understand how the program works after he so pleasantly "understood" my concerns previously. I have automatic withdrawals for investments elsewhere. They don't like that and again for .12 cents, they let the payment go through (and I KNOW that if they just left it alone, my investment transaction would have gone through a different day) and charged me $45.00 NSF. He told me that I should have investments with the RBC, and this would be taken care of. He told me that I should speak with my investment company and tell them to take it out a different day or write them a cheque.

I told him, I had been burnt by the RBC before and have not since invested. They want to sell me products. THIS IS MY MONEY and I HAVE TAKEN CARE OF MY ACCOUNTS and they want to highjack my online account for anything they can and I am fed up. They are rude and ignorant. I pay more than my share of interest, and all their hidden little fees. I will be talking to my investment people, because I think this is illegal.

My spouse's only income was his pension. I, myself, have been on long-term disability for over a decade. I immediately contacted the Royal Bank and verbally cancelled the life insurance and home insurance policies. I sought credit counseling advice from a bankruptcy trustee and was told that with only our pensions as income, my spouse and I would not be able to pay the bankruptcy fees and was told to ignore the harassing telephone calls and letters. We were advised that our pensions could not be touched by our creditors. Contrary to my request to cancel our property insurance and life insurance, the automatic payments were still being withdrawn from our account.

One month later, I again contacted the bank with the specific request to cancel all insurance policies effectively retroactively. It was confirmed that all insurance policies would be cancelled. In August, two months after cancelling our insurance policies, withdrawals were still being taken from our bank account which no longer had a credit balance. By this time, the automatic payments were now being taken from our overdraft. I was dealing with urgent health matters on my behalf and pressing concerns behalf of my spouse. Stressed and unwell, I called the bank and was told that my account had been referred to "Collections" because our credit card was over-limit (no purchases had been made; the charges were all interest) and our bank account was overdrawn.

The CSR (customer service representative) was rude and unhelpful and did not listen to my request to cancel our insurance policies. The bank was putting me into debt and there was nothing I could do about it. The only financial resource I have is a "Locked In" RRSP (LIF) from another institution. Annually in January, a withdrawal is made from this fund to my bank. Last June, I notified my financial advisor of a change in banking information and filled out the appropriate forms; however, when the payment was processed this month, it was inadvertently transferred to my Royal Bank account in error. My financial advisor realized the error and request that the funds be transferred back to him. They were transferred but then the Royal Bank recalled the funds, amounting to just over $5,000.00.

I went to the Royal Bank to obtain the funds and was told my account was "frozen" and no withdrawals could be made, only deposits. I asked to speak to a manager, who gave me a number to call to speak to someone about my account. I was told in the bank that they could do nothing about it, because RBC Visa had frozen my account. I called the number I was given and spoke to a Collections Recovery person named Marla **. She was absolutely horrid to me. She was verbally abusive, sarcastic, bullying and utterly obnoxious. She told me the funds belonged to the bank and I would never get them back. She said she was going to recommend the bank sue me.

She told me she was going to do a property search and confiscate any property I owned (I don't own any property). When I informed her of this, she mimicked me sarcastically. I asked to speak to her supervisor. She said, "Do you think my supervisor wants to talk to you about how you are refusing to pay back the money you owe us?" I asked her why she was being so sarcastic and she replied, "I'm not." I told her I had seen a bankruptcy trustee to get advice and she interrupted me and said, "So you're declaring bankruptcy. I have nothing else to say to you," and hung up on me. I called her back and she said she wasn't going to listen to me or hear any explanations -- she wanted me to pay my credit card balance in full and she got verbally abusive again.

I will never ever recommend this bank to anyone and advise anyone reading this to stay well away from the Royal Bank. I admit I owe them money but am unable to repay it, and did not set out to defraud the bank - I am a victim of circumstance. Their attitude and policies are inhuman and vile. I am distraught, depressed and extremely upset, and am going to write a letter complaining about their total lack of service and the verbal abuse directed at me by Marla **.

It was around 7 pm central time when I decided to book my flight using the RBC travel tool. I entered the dates and made payment to book only a flight. Once the flight was purchased, an email was sent to me from RBC Travel. As always, I double checked the flight details to ensure the flight was booked correctly. I then noticed my flight days were off by exactly one month. The confirmation email was showing my dates as Feb 20-27, when it should be March 20-27. I IMMEDIATELY called the RBC Travel line, (at 7:07 pm central time) and was placed on hold. This is where my horrendous nightmare began. While on hold for 20 minutes, I decided to be proactive and call the airline of which my ticket was registered too. I dialed the number of that airline from another phone line (while still on hold with RBC Travel), and reached the customer service representative of the actual airline within a matter of second.

While still on hold with RBC, the airline rep suggested it would be best that I talk with RBC Travel to change the ticket, as I would experience a $250 fee to change. I hung up with the airline personnel and continued to hold with RBC. A full hour had passed by and still the RBC Customer Service representative had NOT answered my call. I was becoming more and more frustrated as the elapsed call time flashed on my phone. In order to try and ease my frustration I began looking on RBC's website for another number I could call since the customer care department was logging in call wait times. At that point, I then noticed the times of which the RBC Travel customer service center. The hours of operation for the RBC Travel center are: 6 am to 8 pm central time. My time was now 8:20 pm central time. I was now 20 minutes into the close time' of RBC customer service call center. I looked down at my phone to show the total call time of 1 hour 20 minutes. In absolute dissatisfaction, I hung up the call.

The next morning I instantaneously called as soon as RBC Travel opened (6:15 am central time) and waited on hold for approximately 10 mins - surprisingly. The call was then taken by a 'Charlene'. I mentioned the situation to her and at that point, she then told me I was now subject to the change fee because I didn't call in right away to notify the change. I then began to run through my events stated above, and this RBC customer relations person had the audacity to tell me I should have continued to wait on hold when I originally called in the night before. I explained to her that I am not familiar with the mechanics of the RBC call systems and that knowledge is not a requirement to book an airline ticket through Royal Bank of Canada. Thus far, they have continued to tell me I am subject to the change fee of $250(USD). This is worst instance of customer relations I have ever experienced- thanks to Royal Bank of Canada Travel. I am disappointed by the lack of customer care knowledge throughout the Royal Bank Team.

At some point in the transaction, or some odd reason, the teller asked to see my client card. Without thinking why she needed this, the teller swiped my card. I actually thought she just wanted to validate that I was who I said I was. However, two days later, I went to purchase some groceries and the transaction was declined. The message indicated that there were insufficient funds in my account. Knowing I had over $5000 in my account, I quickly checked online to confirm there were funds in my account. When I checked I in fact had the correct balance. I then contacted the customer service line and was told the reason my transaction was declined was because the bank had put a hold on a check. I explained to the rep that the check was going into my Dad's account not "MINE". Why would my account be frozen?

Anyway, the representative recognized that there was a mistake, but I would need to go into that branch to correct the problem. My Dad is 90 and is very fragile. Due to a mistake that the branch made, I am now without funds and cannot get groceries until this mess is straightened out. The worst part is that my poor Dad has to go out in this weather to fix a mistake that has been caused due to negligence. I would hope that we will be compensated fairly for this.

They claimed I asked them to empty my savings account and take out three months of payments. I explained that leaving me with 64 cents would leave me with no money for gas, food, bus fare, etc. and could possibly affect my new employment contract. Rather than work with me, they went through my account debits and asked me to explain why I bought food at a grocery store instead of paying them. I asked for a manager at that point and was told I would get a call. I am still waiting and have NOT a dime to my name. Unfortunately, after 25 years of loyalty to RBC - I didn't think about not having funds with the bank that is collecting. I assumed there is a level of compassion in business and loyal clients. I assumed very wrong.

Please spread the word that if anyone is looking for a bank that is compassionate about supporting their clients in good times and bad - RBC is the last choice for consideration. They are within their rights to have taken all of my money without notice - as per the client agreement when you first sign up. However, asking a human to not eat to pay the 24.9% interest on the never ever program so VP's and senior level management can award themselves bonuses while their loyal clients starve - is ridiculous. You RBC - need our money to make money. When Visa destroys your banking client base, the well will run dry.

I was at the RBC in Exeter Ontario and I had a good experience. Everyone was kind and attentive unlike Scotia bank in Exeter Ontario. Krista (who was helping me) did an amazing job of helping me understand things. But at Scotia Bank, I have had people be rude to me, treat me like a complete idiot and they wouldn't give me a credit card because I didn't have credit, but the $14,000.00 of assets didn't mean anything.

I went to RBC and they were very understanding. They said that it does not matter because they don't expect you to have credit if you don't have credit, DUH. Anyway, what I am getting at is that you shouldn't give an entire company a bad wrap just because of one person’s stupid mistake or because of one branch. I suggest asking your friends and family about a specific branch.