President's Choice Financial Bewertungen 

Absolutely terrible, shit customer service, 10min of phone call queues to then wait on hold for 30min: just terrible

Worst service ever. Somehow my card was used in 3 different places across the world. They cancel the card, rushed me one yet never got it. No clue where it is. Now they rush me another one I hopefully get before Christmas. Not counting on it. I cancel 2 trips cuz the card books me hotels. Christmas is coming and I need card to book hotels. Doubt that will happen

In a week I spent over 9 hours on the phone. Hung up on 4 times. They dont put me through to a manager told me I get a call in 24 hours. Its almost 72 hours and no call. They can not tell me why they not only cancel my card but froze my entire account. Money goes in but I can not access money until this card they are rushing me again comes. Its ridiculous.

Other day they told me I could only get account unblocked if they called me. They could not that night. I had call in morning. Call back, verify myself with a code they sent me to then wait 35 minutes so they can call me back. They call back to make me verify myself. Tell me create a verbal password as I need it for future calls. I do this then ask for manager. Tells me call back and you be asked for password. I call back no one asked for password, when I asked why she forgot. They wont give me a manager and told me one will call me back. Still waiting. I have sent 3 emails in past 3 days, no reply. No answers to why my account froze, what going on.

My car loan was not paid cuz they froze it so it was nsf on loan side, they say that they can't do nothing. Now I owe the loan company nsf fees. This bank has caused me a headache and stress before Christmas for something that happened 2 weeks ago. Other banks dont take this long. My card used at 3 different cities at same time and no call yet my other bank calls asap when something odd happens.

This bank security and customer service sucks

I made four calls to +1 866 246 7262 because ALL MY MONEY was gone from my chequing account. I received terrible customer service on every single call.

The first person had no answer and switched me to a second representative who could barely speak or understand what was happening; it seemed to me he was drunk. Then he put me on hold for 30 minutes (maybe to take a shower and have a coffee) and after this gave me another phone number to call. When I asked another question, he just disconnected the call. Maybe he didn't like the question.

Then I made six calls to this "other" number, +1-844-286-7069, left six voice messages, and received no call back, even a few days later.

After that, I made another call to the main number, +1 866 246 7262. A lady put me on hold and then transferred me to a menu where I was able to change my PIN code. There was no explanation—just after the "hold," I was prompted to change my PIN. Just a reminder: I was calling because all my money was gone.

Finally, I made one more call, and someone picked up for 5-10 seconds (maybe to check my profile to find out if he liked me or not), then without a word put me on hold, and then disconnected. So, I was left with no money, not even for food, and no customer support, no answers, and no way to resolve the situation.

I had a fraudulent transaction made on my card, it took me more than 4 hours to get a new card. I waited more than 50 minutes each time to report the fraud and my line was cut off twice after 50 minutes of waiting. When I finally talked to an agent, he promised to send new card via courier but it did not happened. it is 8 business days since it was shipped. I have been using credit card for over 35 years and have never had such rude and inefficient customer services from any credit card provider.

one of the worst customer service, they put you on hold for almost an hour - really bad they dont respect people time. WORST

This is the absolute worst pretend banking service available. The website / App always giving error messages. The wait to speak to customer service is usually a min of an hour. Only to have the customer service rep say I'm putting you on hold but hangs up and doesn't call back. The next rep today was impatient because I asked him to confirm he would call back if the call got dropped and I asked him to wait until we were sure I was able to get into my online account. We reset my password, (which was actually the same password as previous) only for me to thank the rep for his help. No longer did I let him go I proceeded to transfer the funds in my account to my PC MC - I received an Error message.
I tried Etransfering - Received an Error Message I tried a Bill Payment - Received another opps error message that I cannot do that with this account.
I have No Access to MY Funds in my account. I e-transfered that money months ago into the account and Now cannot access it. And now I'm stuck on hold again. Secondly, I had asked the previous representative to delete an old phone # off of my account as it keeps trying to get me to do verifications to an old phone # I have no access too. Sure as shit he said he deleted it only for me to call back and the stupid automated asked me to send a verification to the old phone # again!!
So for your own sanity NEVER OPEN AN ACCOUNT WITH THIS COMPANY. NO ONE IS EVER AVAILABLE at the Kiosk and even when you reach someone on the phone they have no concern about actually helping resolve anything. If I'm lucky enough to get access to my money I will be immediately removing it all and closing this account. I may end up having to file an official complaint to the Better Business Bureau to even access my own money! this is absolutely absurd!

Moved $250 to PCF on November 25, 2025. It's December 3, 2025 today. 9 days have passed and 7 of those days are business days and funds still on hold. They claim to hold money for up to 5 business days. I saved a screenshot

I have been with PC financial for over 12 years. In this time I have been late with a payment 3 times. When I say late I mean 2-3 weeks maximum. My payment was due November 4th, by the 21st they had put a hold on my credit card. Zero communication was had reminding me I was late. I went to make a purchase and I was declined. Shortly after that I get 4 texts in a row telling me they have put my cc on hold until I make a payment. Some of us use ccs for a safety net in an emergency. What if I was paying for a taxi or at the airport and needed my CC for an emergency? I find this practice to be unsafe. Their customer service has gone downhill. Needless to say I have cancelled my account. I do not recommend this company whatsoever. They’re unreliable and unsafe.

Terrible customer service
I etransfered an amount to my spending account and once I attempted to make a payment it wouldn’t allow me to use decimals
I called and the non intelligent individual on the line instructed me to just make the payment without the cents
If one uses this account for payroll direct deposit, PC just keeps your cents

went to go pick up my medication today and pc locked my money have been on hold just trying to get in touch with support for 4 hours i am moving all of my money to my other bank account and closing this do not use them

I'd been calling them due to some issues with card and called 3 tines already, I got hold for almost 30 minutes on each call but so unfortunate because nobody was answering my call.

The customer support is the worst in the industry. For that reason, I choose another institution for my credit card needs.

This experience has been since the start. Not just recently. To speak with someone takes 1 month waiting on the phone for someone to finally pick up. It's like they don't hire any workers to provide customer support

i am trying to talk to them, holing on line for 49 minuts and counting. lousy lousy customer care

Been banking with them for 3 years. Have 8 loans come out of this account every month for my business equipment. This last month I have had 2 nsa fees because pc is taking out the money days before the loan is dated for. So called the loan company the told me that is how pc is processing and not them. Called pc about the issue 3 times and got yelled at and talked down too. Ultimately not getting my money back.....

Extremely Disappointing After 10+ Years as a Customer.

I had this card since 2014 and always paid my balance. While travelling, I genuinely forgot about a small $40 balance and paid it as soon as I returned to Canada. Instead of showing any understanding for a long-time customer, they cancelled my card without warning.

What made it worse was the attitude from customer service. No appreciation for over a decade of loyalty, no attempt to fix the situation, and then they told me I had to *reapply* like a brand-new customer. That was the final straw.

I cut the card and I won’t be using any of their services again. If this is how they treat long-term customers over something so minor, I can’t recommend them to anyone.

I’m disappointed with my experience at PC Financial. My account was locked twice for no reason, and the amount of time I had to spend fixing it was unacceptable and unprofessional.
The first time, I spent over an hour on the phone and was transferred twice just to get my account unlocked. Frustrating, but I moved on.
The second time was far worse. I was on hold for 3.5 hours and transferred eight times before someone finally resolved it. As soon as I tried to send an e-transfer, my account was locked again. I had to call back, spend another hour on hold, and get transferred four more times.
At that point, I unlocked my account just long enough to transfer all my money out. I’m officially done.
I’ve moved to Wealthsimple, and the difference in service has been night and day. PC Financial really needs to improve their systems and customer support — this was beyond disappointing.

ZERO STAR!!! PERIOD. THE MOST CROOKED COMAPNY ON THE FACE OF PLANET EARTH!!!!!

The absolute worst Customer Service I have ever dealt with......now this is saying lots but even worse than Rogers. Wait times average 45 minutes and when you get someone they ask for the problem and have to transfer to someone else and then that person asks you what is the problem......finally snapped and told them to cancel the World Elite card.

I’ve been a loyal PC Financial Mastercard holder for over a decade, with a credit limit of $19,900. Over the past six months, without any justification or explanation, they’ve drastically reduced my credit limit all the way down to just $1,000. I’ve always maintained a perfect payment history, often carrying a zero balance, so this reduction came out of the blue and had a significant impact on us.

This sudden change affected our plans to build a house, as we had factored that line of credit into our budget. Losing that credit line before we could even use it caused considerable stress and inconvenience.

I called about this every time they reduced the line of credit further and escalated the issue to a supervisor, who promised to contact the credit department and get back to me with a resolution. Unfortunately, they never followed through, and continued to lower my limit after these calls, even while carrying a zero bslance. Despite multiple calls and hours upon hours on hold and expressing concern to multiple agents, I received no call back, explanation or resolution.

In summary, this experience has been extremely frustrating and disappointing. All of my other credit cards have a sizeable limit, no other provider has lowered my limits. This is extremely unprofessional. I would not recommend PC Financial based on my recent experience and I intend to close my long standing relationship with them.