President's Choice Financial Bewertungen 

I've been a PC Financial customer since September 2015 and recently discovered that I had been enrolled in Account Balance Protection (ABP) for many years and paying monthly premiums. Based on my available statements from the last two years alone, I estimate I have paid approximately $1,175 in premiums, and potentially much more over the life of the product.

On June 16, 2026, I contacted PC Financial and requested proof of my enrollment and consent for this optional insurance product. As proof could not be immediately provided, an investigation was opened. I was advised that the review would take approximately 6–10 business days.

More than a month later, I am still waiting for a decision.

During that time, I have contacted PC Financial repeatedly through phone, email, and live chat. Despite multiple follow-ups, I have received no substantive update, no revised timeline, and no explanation for when the review is expected to be completed.

I have also submitted multiple complaints regarding the lack of communication and missed timelines. Unfortunately, I have frequently received inconsistent information from different representatives, and on several occasions agents were unable to locate or verify complaint references that had previously been provided to me.

My frustration is not simply that the investigation is taking time. It is the lack of communication, missed commitments, and contradictory information that have made this experience so disappointing.

I am now considering escalating the matter to the PC Financial Complaint Appeal Office and, if necessary, pursuing the external dispute resolution process available to banking customers.

After more than 10 years as a customer, I expected better communication and accountability. Regardless of the eventual outcome of the investigation, this experience has significantly impacted my confidence in PC Financial.

PC Financial is hands down the most unknowledgeable and unprofessional institution I have ever dealt with.

I called to dispute a $70 point-of-sale debit transaction where a local merchant physically damaged my property during a service.

The first front-line agent I spoke with was completely unknowledgeable, explicitly lying multiple times by claiming that "no Mastercard credit or debit card anywhere in the world allows a chargeback for a disputed service."

When I called back with documented proof of network dispute rules, the next agent tried a completely different stalling tactic, claiming I am legally forced to wait 60 days before a dispute can even be opened. When I pushed back against this fabricated rule, the agent deliberately hung up on me.

Their chatbots are completely useless props, their phone lines are frequently out of service, and their agents use contradictory, scripted lies to protect negligent merchants over their own cardholders.

They deny basic fraud and transaction dispute protection, act with zero accountability, and actively treat the victim like the guilty party. Absolute trash operations.

Bypassing them completely for a formal complaint to the Ombudsman for Banking Services and Investments (OBSI).

Absolutely terrible people, locked my account for no reason no sorry closed it. They are still kaccepting money and now won't let me get my own money they stole the only way I can is by cheque apparently but last month it was no problem when my childtax went in there. They are liars and theives, don't and I repeat do not open an account with them. I'm not going to default on my car payment because of them. So much uneccessary stress. Shame on you.

If I could give 0 stars I would. It’s a real shame companies cannot be held accountable for their shocking customer service and conduct.

Spent 40 minutes and two departments later to be told they cannot do anything about someone illegally trying to take money from my account.

I will be closing my account and moving elsewhere.

Piss poor app, call centres outsourced to companies in countries where they don’t give a shit about who you are or what your issue is.

DO NOT GO WITH THEM! ITS NOT WORTH IT!

I’ll be reporting them to the ombudsman and anywhere else I can, as it’s shocking for a bank to act like this!!

Horrible company to have any of their banking services including credit cards, I did not use my master card over a year, and they deactivate my account, I will never own a card by president choice. Good ridden

I would rate zero stars if I could. Worst bank I've ever dealt with in my life. I waited 90 minutes to talk to someone on the phone and then got disconnected when I finally talked to someone and was placed on hold again. Brutal customer service. Customer service doesn't even speak English. If you want the worst banking experience ever, bank with PC Financial.

Be aware there is noway you can contact this institution. Being on hold for 5 hours, l tried chat online which is a scam & it is virtual.
I tried all the phone numbers during weekdays/ weekend for 4 consecutive days. Nobody picked up the lines, submitted few complaint forms, still no response and don't know really how to deal with fraud message and declined transaction and blocked credit card & account!

Normalement aucun problème, présentement il y a une situation avec des paiements de factures qu'ils n'ont pas été en mesure d'envoyer vers le fournisseur et j'en suis maintenant au 7e appel au service client et encore aucun règlement chaque appel est un éternel recommencement même le système de plainte ne fonctionne pas. Je les aimais et les recommendait, maintenant non ne les prenez pas.

I was overcharged for atm fees putting my account in the negative. Within a day I had money in my account and when I tried to use it it kept saying insufficient funds , but my money was there. Because of the negative balance they said I wouldn't be able to use my funds for 3 days which is bad for me because my bills were due the following day. No matter if it was there fault or not they refused to fix it a d let me use my own money. They are an absolute garbage bank to deal with and will be closing my account permanently. Their customer service is useless, and the problems keep happening with them. . I gave them several chances with earlier problems I've had with them , but they just keep happening . They definitely aren't worth using.

I am writing to express my disappointment with my recent experience regarding unauthorized transactions and the handling of my dispute by President's Choice Financial.

Over the years, I have often provided constructive feedback to companies when I identify opportunities to improve their customer service and internal processes. Unfortunately, my recent experience with PC Financial has been extremely frustrating.

One of the most significant concerns is the excessive wait time to speak with a customer service representative. On multiple occasions, I waited between 50 minutes and 1 hour and 30 minutes before reaching a live agent. Such delays are unacceptable, particularly when customers are calling about urgent issues involving their finances.

I reported unauthorized charges on my account and requested that they be investigated. Despite contacting PC Financial on three separate occasions, I never received a formal explanation or written outcome of the investigation. Instead, the disputed amounts remained debited from my account without a satisfactory resolution.

To better understand the situation, I reviewed my Google Payment Activity, where no transactions corresponding to the merchant in question appeared. However, PC Financial maintained that the transactions were valid without providing sufficient evidence to support that conclusion.

Another serious concern is that my account became overdrawn almost instantly, without any visible accounting transaction or pending activity that would have alerted me to the change in my available balance. As a result, funds that had been deposited by the Canada Revenue Agency were immediately absorbed to cover the overdraft, creating significant financial hardship.

I explained this situation several times to the customer service representative. I was advised that the funds would become available the following day; however, that did not resolve the immediate impact or address the underlying issue.

Recognizing the risk of future problems, I took the initiative to update my direct deposit information with the Canada Revenue Agency. Unfortunately, CRA requires approximately 30 days' notice for banking changes to take effect, meaning I had no practical way to prevent the payment from being redirected to the affected account.

I respectfully recommend that PC Financial review and improve the following areas:

* Reduce customer service wait times, especially for fraud and dispute-related calls.
* Provide customers with written investigation results and the evidence supporting dispute decisions.
* Improve account transparency by clearly displaying pending transactions and balance changes in real time.
* Enhance communication with customers throughout the dispute resolution process.
* Ensure that representatives provide accurate expectations regarding the availability of funds and account activity.

As a customer, I expect transparency, accountability, and timely communication when my financial security is at stake. I hope this feedback will be taken seriously and used to improve the experience of future customers.

Worse card ever.never get one even it free

Not even a star .
I just had to worst experience regarding credit cards here. I even asked someone that works in finance just to be sure if I misunderstand the proces.

I tried to pay more than the minimum amount stated on the billing before due which was 5days and I still get charge . Their reason was and said by their customer service that I needed to pay in full every billing cycle which does not make any sense if you are giving minimum payment to every customers stated on their statement and says zero rates. I have captured the full conversations and believe me i still don’t get where was the “ 21 days pay in full” and that says Mandatory to pay in full regardless any other noticed.

This is frustrating and I even closed my account because of not getting points rewards and a confusing process of payment .

I was told I don't have to inform them when I travel as the card will work anywhere in the world. I used to inform the company before I traveled in the past. I went to the united States recently and on my first attempt to pay for a family meal at a restaurant,the waitress came back and said the card is declined. This was a huge embarrassment. I have never in my life had a payment declined. Then my Uber ride to the airport was declined,the same with Lyft. Fortunately I have a back up card which worked well other than almost missing my flight as one normally call a ride service when you are ready to leave as they usually show up within a few minutes. But having to change the credit card to another and then hope it's going to work is very stressful just before going to the airport. Upon arriving back in Canada I contacted pc financial to find out why my card is locked. After not have a manager or supervisor available and spending more than an hour on hold to get my card unlocked,I hung up the phone and called back,only to be told that my card is not locked and they don't see and declined transactions. The customer service here really sucks. The people have very little knowledge of what they are doing and nothing gets resolved. I have decided to cut the card up and not use this useless company anymore. I will not advise anyone traveling to rely on this pc financial card. I have the black world elite Mastercard. Just a fancy name.

O if possible, I depended on PC for my banking and credit card needs until they intentionally closed my credit card account without warrning or notice after receiving my full payment. I spoke to their service representatives, who was a guy who couldn't speak English properly and only hid behind some vague policy he didn't understand himself. After this experience, I can say with confidence that PC is not a trustworthy service provider and is not a supportive or considerate service provider to its customers. You reap what you sow PC. No loyalty to scumbags.

It takes more.than an hour to get customer service after card is declined at transaction

Absolutely horrible wait times for trying to reach customer service. Seriously, this is so important when you need to speak to someone and I was on hold for over an hour and ended up having to hang up. I guess I'll try again tomorrow on my lunch break.

NEEDS TO BE A ZERO SCORE!!!!!!!!!!! 😡😡😡😡😡😡😡😡😡😡😡
I have already filed complaints on the app , maybe 4 of them and counting.
So called numbers are no longer in service , can’t speak to anyone - really
FRAUD CHARGES !!!!!!!!!!!!!!!!!!!!!!
I have 2 phones going trying to get in touch with you.
One phone is already 2hrs 15 min and counting .....................
Next phone is 1hr and counting ........................
I have 8 fraud charges on my card
I have tried various numbers to call, I have done numerous complaints and STILL NOTHING is happening on your side .
NO ONE IS ANSWERING ANY PHONES
This is absolutely disgusting service
I started calling immediately on Sunday 14th June and now it’s Monday 15th June........ and no one has answered anything at all
NOW WHAT !!!!!!!!!!!!!!!!!!!!!!!!!
Who else do I have to try and get this resolved or to even speak to someone

Maybe follow other companies with a better telephone service , how about you hire more people to answer phones , how about you fix your app on your mobile - as you keep pushing for that , how about you fix your AI Bot

They Randomly decided to Cancel my account without telling me at all 0 Email, No attempt to call or text just this is our decision but keep the account around Only to tell me I have been canceled upon me inquiring why i could not transfer my remaining balance to my actual bank asking about the next steps they told me the account will be closed and any funds up to $100 will be sent by cheque. the balance was $40 meaning they keep my cash. Will be proceeding with legal action as this is Criminal just would like to warn the public of this behavior and the 0 help to reconcile or even repair the situation just I'm out $50 because they decided that

Normally I'd say I love PC. No fees, bonus PC points.... however, the amount of maintenance they've been doing is making it almost unusable. The say "temporary maintenance" and that it should be up and running "shortly" but it's never short. The most recent downage (today) is over 7 hours and counting. I'm definitely thinking about switching banks.

0 stars if I could , been with them for over 10 years , had fraudulent charges on my account which never was dealt with so I'm out of money . Spent over 7 hours of my life on hold over multiple days and times (early mornings , work lunches etc.) and NEVER go a hold of anyone . I will be redeeming my points and removing this card from my life PERMANENTLY