Presidents Choice Financial MASTERCARD Consumer Reviews

I contacted PC Financial to claim hardship. I lost my job due to coved and have not worked for 3 years. I was unable to make my payments. The customer service rep signed me up for a program to lower my payments. That was 1 month ago. I received 6 phone calls today from the same collection agency regarding my PC MC account. My account was sent to collections despite my making the agreed payments.
Worst credit card company I've ever had to deal with.

This card temporarily ruined my life. The fact that I can't get a full transaction history to figure out why/how I'm carrying a balance is insane and seems borderline illegal. This is only listed in the statement, which can't be copied and pasted from to put in a spreadsheet. Certain cards can only see certain transactions, and all the transactions for cancelled cards are removed from the transaction history. Support is either non-existent or completely useless, but very much looking forward to going through the painful process to cancel this card.

Don’t Ever be a human being and make a mistake by paying your PC CREDIT CARD 2 times and have a credit. If you try to get your money back they will charge you. Even if you ask for a cheque. $20.00 and 30 days waiting. But got forbid you are 1 minute late with your payment, the interest is slammed through. I’ve decided to invoice them to get my money back and charge 22% interest until they pay and $250.00 for any time to resolve their inadequacies. If more people do this they may get the message.

I spotted two unauthorized transactions from a healthcare provider in the US who I never heard of as I live in Canada. Both transactions have been disputed and I ordered a new card. The PC agent who I spoke to first said that both transactions will be combined into one claim. Therefore, I filled out the only submitted document to support my claim and emailed this document on the same day showing both transactions to support the claim. A few weeks later I received a letter stating that one transaction claim has been denied. I called PC and the new agent explained to me that there is an error message on my claim and that it's not possible to have two unauthorized transactions combined into one claim. She also told me things that the other agent missed filing so my entire claim has been closed. She also said that there is no way for her to re-open that claim. This is unacceptable customer service which makes me push more business to my other credit card companies. My PC Mastercard account I closed at the end of my last conversation with them.

I was dealing with PC Financial when I had a dispute over a purchase where I did not receive the product I was supposed to get. Not only was customer service awful ( wait times over 2 hours, only to speak with a representative who was unknowledgeable about the process) but the company offered me no help at all. Even when I went to put my card on hold as a precaution, the company said they would, and then when I went to test it, didn't. It may be seen as a cheap option, but when you really need your credit card to do as it is meant to (which is to protect the user), it will fail every time. My first review I've ever written because it was an appealing experience.

The customer service agents always seem lost, always have to go ask someone for help, and somehow still end up not knowing what they're talking about.

But what has prompted this review is their collections department. I usually pay bills on time, but shit happens and I've unfortunately been hearing from a number of collections departments. Most are kind and understanding. They ask why you're behind if you can pay anything, when you can pay, and try to set up a payment plan. They're grateful when I say I don't need a payment plan, I'll catch up on a specific date. PC is just dehumanizing. They make a bad situation worse and leave me feeling horrible, I wouldn't be surprised if they'd pushed someone on the edge of suicide before. My mental health certainly nose dives whenever I speak with them. I answer, and they say it's PC and I say something like "I'll catch up on Friday" and they say "do you know you owe $165?" And I say "yes, I'll catch up on Friday" and they say "if you don't pay now it will affect your credit score" and I say "I literally have no money until Friday. There is about $3 in my bank account right now." And they suddenly get aggressive and say "can you pay $65?" And I say "look, I told you I have no money, I literally don't even know how I'm feeding my family this week, I'll pay you on Friday" and they start *yelling* at me and making threats about credit scores and how horrible my life will be if I don't pay some minimum amount when I have already told them I have nothing to give. And then I start crying and hang up. And then someone calls the next day and says "oh, looks like you got disconnected" and the whole conversation happens again.

Every other company is like "you can pay Friday? Can you pay a smaller amount sooner? No? OK. We'll stop bugging you for now and watch for that payment, thank you."

After 4 days of having my MasterCard, I made a $208 charge and received a text to validate the charge. I sent "Valid" as requested and the response I received said to call a 1-800 number. I was on hold for 75 minutes then got hung up on in a transfer.
I found another number and sent emails to various PC Finance locations and got a call back within 5 minutes.
The trick is to email and receive a callback, it seems.

Numerous requests for statements to back up the balance due were ignored for almost a year and still waiting... Trying to pay an account here on behalf of an ailing relative but just keep getting demands from the Collection agency. No response to letters requesting statements, which stopped last August. I would not recommend PC Financial M/C or its financial services if this is the best they can do.

I had a limit of $3000. Then all of a sudden $4000 shows up on my card. They can’t figure out why and won’t give me my money back. One employee blamed it on internet charges. $1000 interest charges!?! That’s ridiculous and a blatant lie!!! I will never bank with this awful company again!!!

TERRIFYING EXPERIENCE! On the phone, the representative actually swore at me. First, I had been waiting a long time to speak with someone, and when I did, a representative answered the phone. The agent misled me on the app because she didn't understand how it operated or where the prompts were located. I became irritated and requested to talk with a supervisor. When the supervisor answered the phone, he didn't care about my wait time or the fact that his representative didn't know how to navigate the app; instead, he yelled at me and swore. When I tried to refocus the conversation back to the original argument of the dispute he started to tell me that the transaction came out from the other card on the account and when I was telling him that he is wrong, it came out of the other card, he hung up the phone. As per their corporate policy, the call was recorded, and I'm hoping that someone will be able to listen to it. His tone, demeanour, and reasoning left me speechless. I'm now on the phone, attempting to cancel the account, and have been waiting for another 20 minutes to speak with someone. The worst experience I've ever had, and they effectively stole my money. $59.99 for four consecutive months in a row.