Scotiabank

Scotia Bank American Express Gold card is the WORST card I have ever had! First of all the bank at Place d' Orleans in Orleans, Ontario promised me 20,000 promo points with no expiry date. They never mentioned additional monthly charges. When I went online to redeem my promo points one year later, they were no where to be found and after 4 online chats with no help where the points were I was referred to an 800 number and again several attempts to locate the promo points were unsuccessful. I was finally referred to yet another person who said there was a disclosure stating I was to use the card within 30 days to get the promo points. Now this information was never given to me. I feel I was tricked into getting this card with a promise that never exist. On top of the monthly fee, there are additional charges plus a $99 dollar annual fee. I have always paid the bill in full and only received very little points that cannot be redeemed for anything! DON'T APPLY FOR THIS CARD THROUGH SCOTIABANK! It's a bank PROMO SCAM!

Out of 5 it's a ZERO! December 2021 I went to the Browns town branch to have my card change because I was about to travel. I spoke with a representative within the branch. Told her what was my issue and she advised me that my card will be sent out in the already. I have told her that I have been checking and nothing. She kept saying check with your postal agent. I left it and I went on my vacation to the state and back. Went to the bank again to have my card change. And the process is is rather time consuming and tiring. Took my lunch time from work hoping I would get this done n it was a waste of my lunch time. I turn to the sale rep and I asked isn't there a easier way to just get a replacement card that waiting ere in line her words were " NO SIR" I have to go back to work so can u please have them send me a new card in the can I make that request, NO SIR u have to wait. Have number 34 and having a job to return to. You all can do better. Implement SOP. That will better able to facilitate customers. There are ways to assign workers to get the job done in s more effective and efficient manner. Break the work load into specific job roles and the process can be much more effective. Am do turn off. I just transferred my salary from one back because of there service and now I feel I will be doing the same. You all need to fix this. U can't be going to the bank n spending the entire day just to get your business done. It's ridiculous. We are in a competitive market place n ppl have choices. Step up n put plans in place. Am hurt. I don't lie. I took time out today to get it done n I wasted my time. Poor service!

I have a complaint in with Scotiabank, and "coincidentally" they have yet to process the transfers of registered accounts to another institution. They have had all needed information since November 22nd, yet continue to say they don't have the information, and that there is a blackout on the transfer of the RIF. I have searched high and low, and to the best of my knowledge, this is not a real thing. No one, including the person I spoke with at the Office of the President, has ever heard of this. Not the CRA, not anyone at the branch, not other banking professionals... NO ONE. It is not indicated in any documentation from Scotiabank or otherwise. The Voluntary Commitments and Code of Conduct Guidelines for Transfers of Registered Plans indicates that once all needed information is received, banks will endeavour to process transfers of deposit type registered plans in a maximum of seven business days. This couldn't be further from the truth! I am waiting on the transfer of a TFSA and RIF and neither have been processed. So now I have 3 complaints in with Scotiabank and continue to wait on responses, even though I have reached out numerous times, have provided all needed documentation, etc.

How do you like waiting on hold for 30 min each time you need to talk to a representative? Or just all-around unreliable and subpar services?

At one point I would have give 5 stars! My account was defrauded of a 975$! I was told it would take 9 days! After 10 days noone knew what I was talking about!? I was on the phone put on long waits! Transferred to 5 different people! This took 5 hours! I was told the money would be there in 5 days! Guess what!? Surprise! Not there! I talked to a very nice bank manager that assured me that was rediculous and she was in the fight for me. Finally once again I have to wait up to 3 business days I went in to the bank and I was very upset. Basically had to threaten that I wanted it today or I was leaving! Threaten not in a harmful way let's make that clear. Lol I didnt care how they got the money! Aghh they offered me an over draft... um are you kidding me!? Lol I told them that they could all take it out of there pockets and then get the money and see how they liked it. I then took all my money out of my account and said today and even then I have ro think about coming back.In a half an hour my money was there! Hmm what a surprise! I told them that with all I went through it didnt feel like enough! I had to use my rent money for the summer as I do not work! I told them that I feel I should be reimbursed that money for the upset! The emotional crap I had to go through and how I had to make threats before something happened!. The manager agreed. Hmm passive aggressive maybe. Idk. However I'm sure that wont happen. I also said or dont charge me for a year for using your bank. Lol
I'm sure I wonr hear back. It's too bad I really liked it until then.

READ MY REVIEW FOR THE TRUTH
Hours terrible can't ever get to a branch on time after work, they hold your cheques for no good reasons and have ridiculous requirements for customers to meet that other banks don't, not going to get in too much detail.
Trying to reach your local branch or any branch by any means is unable to happen even if you get an extension number they wont even answer or call you back after leaving a message.
Interest rates are usually quite high for credit and debit accounts.
Tellers in branches are very unknowledgeable or rude depending on but most.
A big problem I have is if a transaction is cancled or failed on thier end it'll tell you insufficient funds when that isn't the case at all and takes many days to get your money back.
Scotiabank has very few atms, you can only take out multiples of $20 bills from ATM.
Scotiabank website is down almost every day, and has very few options to choose from resulting in you having to go to the bank yourself for a simple fix.
Theres also very few tellers so you'll be waiting in line for awhile.
CHOOSE ANOTHER BANK

This peace of sh*t bank is Scam and fraud.

Don't ever use this stupid bank otherwise you'll go bankruptcy for sure. Thieves

Do not apply for a Scotia Bank credit card. The bank does not help you when you have any issues with online purchases. I used my card for an online purchase with Walmart. It was a third-party purchase and Walmart and the third party were pointing fingers at each other as to who is responsible for the price match. This item was a cabinet bed and I was concerned that if there was an issue with the bed there would also be finger-pointing, so I decided to return the item. I never opened it. I emailed Walmart and responses were to come within a few days. They never did reply via email. I called customer service and was told they would send me a mailing label so this item could be returned. I never received a mailing label. 3 more calls with promises of a label. By this time my credit card payment was due for this item. I called Scotia Bank and they understood and told me not to pay it. They would put it on hold while they dispute the charge. That changed a number of days later when a different person called back from the resolution department. They told me to return the item and if Walmart then did not give me a refund Scotia Bank could then help me. I explained again that I could not just return the item to a store. It had to be shipped back to the third party. I asked Scotia Bank to help me with a mailing label from Walmart. Scotia Bank said they can not call a company on our behalf. I was willing to sign giving permission, but they just don't do this. This is a long story, but in the end since I did not pay for this item as I wanted it returned, Scotia Bank did not view me as their customer, they sent it off to collections. Nice work! I have never in my life not paid for an item. Never! The customer service with Walmart and Scotia Bank was absolutely unacceptable. The way I was treated by Scotia Bank was also unacceptable. They started harassing me instead of trying to help me. Do not use this bank.

Despite being a customer for many years, Scotiabank denied my existence because I left town for one year. They turned over all my child's education savings plan to the control of my ex partner, even though it is specified on file to not do so. After showing proof that I was a client, the person who denied that I ever existed as a client was conveniently let go or transferred. Recently, I was sold fraudulent concert tickets and I have tried tonight five times to report this fraud. Once the lady said that I didn't answer my questions correctly, even though I had The app open on my phone so I can answer the questions perfectly. The second time after answering the questions the man put me on hold and after five minutes it just hung up on me. I've called three more times and one time I recorded the entire call, and every time it transfers me to the fraud department to report the fraud, it just hangs up on me. Something very very strange is going on with Scotiabank and I'd like to know what it is. I had to replace my card because it suddenly was not working and they said it's because your tap only has a certain amount for the entire life of the card. They told me that your tap limits run out after a certain amount of taps. Forever and then you have to get a new card which nobody else that I know has had this experience. I went downtown to open a business account as an independent paralegal, and I was treated like garbage. Even as I try to get insurance for my paralegal service company, I am still being treated like absolute trash, all of this, despite finishing as one of the top students in my college class. I'm so sick of the discrimination, and if anybody else would give my black face an account anywhere else, I would leave Scotiabank. I need this fraud reported as soon as possible, and I need anybody involved at Scotiabank to also face legal consequences if that's the case. PS. After more than five years with this bank, I could still only withdraw $100 after depositing at the machine.

Long waiting time, dont call them ever
They will make you wait like ages, instead go to bank directly