Presidents Choice Financial MASTERCARD Consumer Reviews

I fully agree with other reviews that their customer service and fraud departments are horrible. Two weeks after I reported that clearly fraudulent purchases were made on my card, and I was assured (after 5 hours of wait on the phone and inane conversations) that the charges were reversed and the card cancelled, new fraudulent charges were posted (which I reported), and I am still getting repeats of the same fraudulent charges. We love the free groceries, but this is not worth the aggravation. My new card took a week to arrive. Needless to say, I will not be using it.

Someone used my credit card. It took 6 months for them to realize that it wasn't me. They sent me an apology letter and then put the charge back on my card and don't want to talk to me or discuss why, it was 4 months of wasting my time calling in, investing more than 13 hours, and still no supervision is never there or return my phone calls, stay away.

6 months later and PC Mastercard customer service admits my file was still not even looked at. Called 5 times and each time they say it will be expedited.
I had fraudulent charges on my account and reported in a timely matter, provided documents and evidence, and never got my money back.

Don’t get this card.
I called in to authorize a purchase after it was declined. Fail #1I tried again and it locked my account for fraudulent activity. Fail #2
Tried calling in for the ENTIRE WEEK. Took an hour to finally reach a customer service representative who said the fraud team will look into it. Fail #3
It’s been more than 3 weeks, I hear nothing from them. Try to call their customer service but of course, the wait times are an hour long no matter when you call. Haven’t been able to use my card for more than 4 weeks now.
Their fraud team is terrible, their customer service terrible, and their system can’t even authorize a purchase I called in to authorize. Embarrassment. Go with literally any other bank...

Had a fraudulent charge on the card, the card was not stolen.
Waited on the phone for over 3 hours before the issue was resolved.
Funny that when the new card came in, to get it operating only took 4 minutes.
This is unacceptable.

This is one of the worst experiences I got, That is why I want to share it, so people can be careful with their choices.
I noticed some unauthorized transaction on my account so I decided to contact the customer service, to find the solution for that, and after a long waiting time with the annoying music, someone answered my call and I explained everything to him and they tried to transfer me to another department but unfortunately lost the line, and I noticed that I have to call again and go through the same process, anyway I did that and the story repeats itself three times every time they transfer me a loser line and do another call and that story went for more than 4 hours.
Finally, someone transferred me and I spoke to another person which was the rudest person ever I've ever dealt with and they told me that this is not a fraud and they can do nothing about it and when I decided to speak to the supervisor after a long waiting of time they got back to me and they said he's busy and he will call you back.
A week later pass and no one contacts me... No email, no phone call, and nothing, so I decided to call to cancel every service I have with Presidents Choice Financial MASTERCARD, and I don't recommend that company to anyone.

Telephone wait times are always unreasonable. I had my card stolen and though I was able to report it stolen and have it cancelled relatively quickly online I waited over 2 hours by phone to report fraudulent charges. As I couldn't always wait over 2 hours each time this had to happen three times. As I'd reported illegal charges my online account was frozen and I had to call in to have it unlocked. Again, 2-hour phone waits. I could not activate the new card as I was locked out of my online account and after waiting 2 hours 20 minutes the call service operator had to refer me to the fraud security department. I said I would not wait another 2 hours on hold and I was assured this would not happen. After a further 30 minutes on hold and no answer, I hung up, emailed requesting a paper copy of my account be mailed and to close my account. I cut up the never-activated card and see no use for this product.

The PC fraud department contacted me about suspicious activity. I returned their call and confirmed a significant charge for a new Apple phone was fraudulent. They assured me this would be taken care of and removed from my bill. After two months and 3 more calls to follow up - each call taking almost an hour on hold before reaching a representative - the charge has been applied to my new card and the card has charged interest for this fraudulent charge. PC customer service is unprofessional, unhelpful and incompetent. When my previous bank alerted me about suspicious activity many years ago, my account was immediately closed, a new card was issued and I never saw the fraudulent charges again. The PC Mastercard is the worst charge card I've ever had and the service is extremely unsatisfying and poorly handled. I would never recommend this card to anyone... ever.

Apparently, something happened with my card. What it was I don't know. No one will tell me anything. Been on hold on a phone for hours waiting to talk to someone to find out what happened. When I finally got a representative they couldn't tell me the reason why my card is not working, they are doing some sort of investigation? I was transferred to 3 different people, all of whom couldn't tell me any reasons for my card freeze. I can't even access my account online to see my card balance. It's been 7 days now! I have reoccurring bills attached to that card. This is completely irresponsible and unacceptable. I finally got told that they will mail me a new card. Great, still no explanation, and still can't see my credit card bill. I pay my credit card off in full and on time. These people are beyond negligent. This is criminal. Needless to say, I am now getting two new different credit cards. You can't rely on this card.

I was security flagged for some reason after I had received the cards and was unable to activate them because when logging on to the PC Financial app as it was restricted. Called and waited and waited. Sent in my supporting documentation. Waited 3 weeks, tried to log in but still Access Restricted. Was told that my documentation did not check out!!! I've lived in the same owned home for over 30 years, I'm employed by the same employer for over 20 years and have excellent credit. Something is not making sense here. They solicited me to get the card, I thought I'd use it to collect more points - I don't need any more credit. Makes me suspicious of their intentions quite frankly. And the agent I spoke to on the 2nd occasion confirmed that I was flagged for something and that it was not random as I was told on the first call. Sounds like a lot of trouble to have a PC Mastercard! So it all worked out in the end.