Scotiabank

I had been banking with Scotiabank for over ten years and just recently I switched to a new bank.
More times than not, their app doesn't work. They have something called "courtesy overdraft" which is just robbery because they say they'll let a transaction go through to not charge you overdraft but then charge a $15 overdrawn handling fee on top of the monthly fee. I been noticing these charges for months now until I recently called in and their adviser was like it can't be removed over the phone, lmao. They're telling me I'm in the negative balance but that's not what I'm seeing through the mobile app. It makes no sense, how can I transfer and spend money that's not in the account in the first place. Their telephone service is never of any help. I'm pretty much fed up with Scotiabank's shenanigans.

Honestly the worst place to do business or spend your money. They couldn't care less about your financial well being or needs as a client. The phone line is even more useless as you wait on hold for at least 30 min and need to be transferred to several people ( if you get that far as some don't know how to transfer without disconnecting the call) The fees are absolutely asinine. Just an entirely horrible experience and I advise anyone to please do your banking literally anywhere else if at all possible

What an absolute joke. I've had a debit card with scotiabank since I was a teenager and only recently got a credit card. Never had an issue until now. Got multiple calls and emails that my card "MAY" have been compromised. It wasn't I was the one who made the purchase. Annoying right? OK so ill just call the fraud department to get it sorted out quickly. WRONG! I've called 5 times each time I waited 2+ hours and no one answers. Today we have reached the 3.5 hour mark and I am beyond livid. I reached out via Twitter and Facebook but the replies are always " we are sorry to hear that" No do better. Beyond frustrating especially when I work 2 jobs i don't just have all day to do this. Stay away from this bank.

Majority of customer service agents I talked with was terrible, especially the one names Milton. He didn't even know about his bank products, did offer me $300 introductory bonus cash, which supposed to apply for new client only while I'm an existing client. Then couldn't solve my question but advised to email to the bank's president email. Also, let me wait for more than 45'. Awful. Couldn't understand how he could sit in the bank office.

International students this is a warning! Avoid this bank at all cost. I did not have money in Canada because the bank returned a wire. They have horrible customer service even if you escalate to presidential level. You will be just a helpless victim since they take one million years to resolve an issue and respond. Their customer service hung up on you when you request for a manager, they can't speak English and have poor comprehension skills. You want an account, where you can withdraw your funds easily they turn it into GIC! That's not good service, and that's disclosing your products properly to consumers. Don't believe that they are Canada's number one bank, go with other banks. Horrible, horrible, bank, why do you even exist?

This is the worst bank or institution of any type I have encountered ever. I am the executor trying to settle a family members estate, unfortunately they had multiple accounts all originating at one branch on Trafalgar road. Manager did not return calls or emails, poor advisor must be in the same boat as I as this poor younger person just cant do anything; would anyone believe they have at least 6 estate departments all with different phone no's and so far 4 departments tell me its not theirs and they are not able to help and they are not on the same system so documents uploaded are not shared. It is so bad that I now copy everyone that I have ever talked to on the emails.
There should be negative star ratings available for companies like this.
Stay away from this bank!

This bank has lost my trust and business. I needed to remove my ex-wife from two mortgages I have for my investment properties after a separation agreement has been signed. Scotiabank pretends to open a new mortgage for me (which is ok) but treat like I am virtually paying off the old mortgages and pay the penalties but keep the business with them. As reference I am doing the same with another bank (CIBC) and there is not such insane and illogical situation like with Scotiabank. This made me realize that Scotiabank goals is to take money from customers at any cost. Terrible bank I am moving my businesses (mortgages and credit cards) to another bank as soon as possible. Stay away from Scotiabank.

Worst bank ever... over 1.5 hours on hold to reach a representative! This is unexceptable, then to finally reach someone and she answers the phone with "What can I do for you"? No hi how are you? Sorry for the delay nothing! She was incredibly rude, then the phone gets disconnected! Like Oh my God, my frustration level is raging! Definitely changing banks tomorrow. Never will I ever deposit another red cent to this bank. Can't even give a complaint because no one ever replies. Great service guys, keep up the good work

Good afternoon,
Today we encountered a discriminatory interaction with a customer service representative named Arif. She failed to offer us assistance because my grandmother does not speak English, but Spanish. In a rude manner she offered my grandma who we expressed is unable to physically go to the bank to resolve the issue with someone who could understand her. She then further told us that her first language is Spanish, which all within itself does not make any sense. If you are able to assist us in your own native language we shouldn't have faced an issue, we should have been able to pass through the authentication process. This is ridiculous and a representation of the further issue of the company not just it's incompetent and self discriminatory employees.