Home Trust Bewertungen 

I have been using their credit card for about 4 years now. This is not my primary card, and neither should it be yours.

Pros: no foreign exchange transaction fee. I love this. No added fees when you buy something in USD or British pounds...etc. Unlike other credits cards, they will just convert back to CAD using the latest conversion rate. This is why I use their credit card when I travel outside of Canada. Or when I'm shopping online and paying in USD. Sadly, this is their only pros

Cons:

1) Lack customer support. This is a small bank after all.

2) Oversensitive about fraud protection. I called them and told them I will be traveling to China. In China, I tried to buy a train ticket using trip.com. This was flagged as fraudulent and my card was locked. I get that Trip is a UK company and I said I was in China, but it wouldn't be out of the question that I was buying a ticket using a UK company. Not to mention I paid for my plane ticket and hotel while I was in Canada through Trip

3) Card deactivated because I was late on payment. I was late like 2 business days. This was back in 2019. I was in Halifax instead of my hometown. So I didn't get my credit bill in the mail. Nor did I check online for when my credit was due because I was on Holiday. Now I set up email billing notification to remind me when my CC bills are due soon. But it is ridiculous that they stopped my card because I was late for 2 business days.

4) Before I was getting my billing in mail. Often time I would receive it days before it is due. I use online billing now because I have to

5) No mobile phone app. I like to check my bills through mobile app. Biometric logins are so easy. If I check my hometrust billing, I have to go to their website and after a few wrong passwords your account will be locked and you will have to call them. Please make a mobile app. It will make all our lives so much easier. Not to mention if it supports biometric logins, I will never need to rememeber my password again. If you ever do this, I can see this becoming my primary card

As to your email I do remain unsatisfied and do not except this type of behaviour until we receive an apology from Karen pankratz the matter remains far from closed.
1. This has nothing to do with the declined application you and I both know it. This is just a manipulated scheme. You guys are using to cover up your employee Karen’s behavior, but I will address this because you keep bringing it up Karen declined an application that was unfinished and not completed cause she refused to help me ( proof can be provided ) so now I want an investigation to be done on this as well.

2. Karen’s inappropriate unprofessional misconduct has nothing to do with how to provide information to declined applications, if you read the email I sent, you would know why and not just tell me what your associates in crime Karen pankratz, Dave tett, Cristie Smith and Pierre Martin is telling you to say in order to keep covering this up.

3. I will need an apology from Karen in order to close this matter or I’m going to have to escalate the situation. Because you just proved my point I sent that email on August 5 2023 and you didn’t reply until today September 1 2023. Brian is this how you conduct complaints. Proves and shows how you and your staff at home trust mortgage division is inappropriately acting which we will not tolerate or except. Beside this one and only email from you almost 1 month after I sent my email I have received no communication no email saying there gonna look into this matter and get back to us or this complaint will be taken to the proper department for further review and investigation. You brian ji the complaint manager for the underwriting department which I know shouldn’t be handling this complaint due to the fact it has nothing to do with the underwriting of the mortgage but I know the reason there trying to go this avenue through your department and I will not let it happen and as you telling me to take this up with the home trust customer complaints and appeals office I have emailed them multiple time and no reply. So this will not stop until a proper investigation is conducted and we receive an apology from Karen Pankratz and parties involved!

So far we just got our visa cards. Will have to see if the new pin numbers work after inputting the 1's that came in the MAIL. The company that has been handling my GF consumer proposal recommends HOME TRUST VISA. So will wait 3 to 6 months to see how things go but still kind of weary from the reviews so if anything happens will go with CAPTIAL ONE since never had problems with them. After the 3-6 month trial period if any problems occur with the PINS NUMBER OR NON REPORTING TO THE CREDIT BRREAU will start telling people to avoid this company & try to get our security deposit back. If we run into any problem will ask our company that is handling the GF CONSUMER PROPOSAL to help

Tried to apply for a Hometrust Visa. Have impeccable credit and thought I might give a smaller company some business, since the big banks are , well, too big.

The amount of questions after providing a pay stub, etc to prove my credit worthiness went too far. I cancelled the application this morning. I worry now that people may be intentionally rejecting people by making things intentionally too hard, in order to steal personal information, so watch your credit scores!

Stay clear of Hometrust. Their process clearly is not designed to bring in good clients.

Something is clearly very wrong with their process and I don't recommend others take a chance with their valuable information.

Worst customer service ever. Just cancelled my visa 10 days into my trip. I input the incorrect Pin once and followed it with the correct pin and the transaction was approved. That was the last time it worked. I finally got through to their customer service # (it didn't work first 2 times I tried) and they told me my card was locked and there was nothing they could do about it (really??). I cancelled the card. Premium exchange rate not worth the hassle. Thank God my MasterCard still worked.

Thank you, but the issue remains the same.

Worst company ever . Been with them for over 10 years . Nothing but crappy interest rates , they take advantage of the self employed people. When people are at 5 percent , these morons charge 9 percent . They want yiu to fail or to sell for all the hard work you put in to pay the high rates . Ridiculous, I’m might be done with home ownership, not worth it .

Long time Home toast customer. Our rate went for 4% to 8%! We called to see if we could get a better rate since we've never missed a payment and got "that's the best we can do". BS.

Horrible company the rates are ridiculous. I’ve been with them for 10 years. Never missed a payment consistent of two years. Cleaned up some of my credit not all of it but most of it and I get these ridiculous rates then I get an answer. I’m sorry I can’t do anything else to help you. This is what it is so this is what you have to pay. They won’t help u , consistent payments or not we’ll just keep increasing rates so we can foreclosure house. I swear that is there an end goal

I cut up my Visa card over a year ago. All of a sudden I received a statement showing several thousand in fraudulent charges. I made a number of phone calls to people who had no idea as to the process to resolve this issue they seemed to have shut the card down already but wanted to send me a new one with no info about resolving the fraud itself. Since the card did not physically exist it seems likely it was a hack, a random fraud attempt or someone was given my number in error.

After several calls I was given a fraud line where the fraudulent charges were read to me by a robot to which I agreed I had no knowledge of,

then a person who insisted on reading them to me yet again even after I told her I hadn’t had the card for over a year. I then was told to call yet another number , she had no idea what the process was to resolve the issue.
I phoned the number, was cut off and called again. I explained it again for the fourth time. He told me I should not have cut up my card until my new one arrived, just like you wouldn’t cut up a drivers licence until a new one arrived. No analogy there. I had told all of the people I talked to I do not want another card. But I don’t think they understood.

He said a package will be sent to me within 2 week to resolve the issue , but he didn’t know what that meant. None of the people I talked to listened to anything I said and kept interrupting me as if they had a script and could not vary from it.

In this situation a customer should be able to make one call to a knowledgeable individual who understands the system and processes. This is the worst experience I have had with a bank.

Zero Stars! As a victim of fraud, I just want to warn everyone about this company. They are giving credit cards to anyone even if the applicant's information is fake. Don't trust them. Customer service is useless and their managers ( I spoke to Eric) have no idea how to handle fraud accounts. We asked for a phone transcript or email contact but nobody knows how to do it. Update: they advised me to call them, it is a joke, we called both companies and asked to remove fake info and we received no help. Fraud information are still on the Equifax.

New Home Trust Visa customer.
Have had absolutely zero issues with this card. Acceptance is pretty much everywhere. No being declined for no reason. Customer service is FAST to answer the phone and more than answer my questions. I was with a different company previously and had nothing but issues...Declines for no reason, poor customer service. Breath of fresh air dealing with the professionals at Home Trust.

thank you for the great card and service!

Need to get important information on an investment made at HomeTrust. Neither my broker nor myself could reach someone to provide required info. No reply to email or phone! Not even the receptionist answers. Nobody calls back when a message left. Don’t know what to do. The 1-877 number provided doesn’t work

Hello, We were your customers in 2015 and we refinanced our home mortgage. Went terrible as the amount was so high and we found TD bank to help us in 2017. TD was a great help. I wouldn't go back to Home Trust. Very expensive interest fees. Nothing left in my bank book at the end of the month.

I just wanted to give a major shout out to Anand Anantharajah for going above and beyond for helping me with my equity line visa. He was Incredibly responsive and involved. Made things much easier for me. Highly recommend him for any re financing or mortgage needs.

-Victor

closed my credit card account without my knowledge. customer service said that they sent out a notice that I didn't receive. Because I didn't reply, that was my consent to close my account. I'm very responsible financially and had a credit score of 865 prior to the closure, the closure reduced my score to 839. If you're serious and responsible about your finances, I don't recommend doing business with this company.

Worst in the credit card company. The Website is terrible and the service is just mediocre. I do not recommend using their service. Best you stay away

Hello, I am applying for a mortgage refinance and the mortgage specialist sent me the commitment and I wanted to talk to him as I have another offer from another lender and wanted to make my decision right away. Regardless of sending e-mails, leaving voice messages he does not respond. I tried to contact customer service and they again after explaining the issue they transfer me to the same specialist voicemail who does not respond and the service is very rude. Wanted to stay with them as i am currently with them but with this service i doubt it and i do not recommend it to anyone else.

Terrible do not use. No transparency. They don’t even have a pre approval process for mortgages. So the only way to find out what you are approved for is to make an offer on a house. It’s totally useless. Employees are no help and rude on the phone. You Can’t even be put through to anyone in underwriting unless you reapply for a remortgage they won’t let you talk to the person you already talked to. Such a joke. We will be looking for a new provider ASAP.

Stay away from these thieves. Applied for the secured Visa card in December 2020 to re build my credit history as I recently moved back to canada and never got my card. Sent them money order for $500 and still no card, no update. Called them many many times and sent them emails but no reply. Every time I called them they were like we don’t see any update in the system or no application under your name. They were like we don’t see anything under your name so we are unable to provide you any information. Then the customer service rep. was I’m going to transfer your information to the another department and someone will get back to you in 10 days and then another 10 days. Keep going this nonsense. After following up many times, suddenly they sent me email saying oh your visa is not approved this time. Please try again next time 😡😡 then again next morning they sent another email saying please upload your ID for the verification so that we can send you your card in the mail. After all this nonsense, again they sent me email, sorry for the inconvenience and delay but your card is not approved this time. They never get back to you with any update. Really frustrating. I asked them to give me my refund back and they never reply back. Whenever I try to call or send them email they are like sorry for the inconvenience and delay or someone will get back to you in 10 business days.
They are scammers and thieves. They make money from our hard work money. They rip off people. Very disappointing and frustrating and still waiting with no response. Stay away 😡😡