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.

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.

So disappointed with President Choice Mastercard Company they couldn’t detect fraud transactions not even once but twice!!! Unlike other Mastercard Company if they see a suspicious transaction they always informed the client if they are the ones who did it or not for security reasons. If I could rate it as ZERO I will so disappointing and they couldn’t reverse the transactions that the scammers charged to our credit twice. How could this Company run their business and could not detect scam and fraud transactions!!!

I've been a PC Financial Mastercard holder for almost 10 years. Everything was fine until one day my card had been compromised. That is when the nightmare began. I've spent the last 6 months being sent from department to department, fighting them over the fraudulent transaction. To this day I'm still fighting them over it. The disorganization is horrible. Stay far far away from PC Financial if you value your sanity. You've been warned

My father has always paid all his bills in full and on time. He is now 92 and is not happy with his current Mastercard service. We thought we would try PC MC.

We were asked the usual questions, to verify who we were. We were then asked multiple-choice questions and told to give the answer that was the closest to the right answer. Excuse me but what...? And then told we answered wrong.

He has never experienced anything like this before in his life. He is an honest, hard-working man, who has never had a problem of this kind ever. Right now I am so shocked by how he was treated I cannot find the words to describe how I am feeling. Very angry and upset by how he was treated by this company.

The customer service is really bad, every time when calling, it will take at least 45 mins waiting time to get hold of someone, then they will transfer you to another person for another 20-25 mins. I was with them for 15 years and recently found there is a fraudulent transaction. It was a restaurant purchase at a transportation company. Obviously, this transaction is not right but they kept asking me if I did any purchase there or used it for any online purchase. We were on the phone for about half an hour, and they said they could not do anything to help. I’m not suggesting people use this card, and if you do, make sure you check all your transactions. Well, if there are fraudulent ones, they are probably not going to help anyway. You are gonna stuck there paying just like me. I cancelled my card right away.

I was being scammed by a cryptocurrency user.
During this large transaction, a computer-animated operator calls you to confirm a large transaction if you authorize it. Had an actual human being operator called and gave heed OF WARNING, I could have saved myself $5045 and not gone through with the transaction and gave a better thought to not have money stolen from me. These are SCAMS! PEOPLE, take my lesson to learn and save yourself from being robbed. I am giving them time to make it right on both ends of a horrible mistake!

I used to work for one of the big 5 so have some experience. I got this for PC points and then one month they lowered my limit. I contacted them and it was restored only to be reduced 2 weeks later... Whenever I use secure messaging via the app I’m told I have to call. When a supervisor is requested they’re not available but will call back in 24 hours.

In their defence, they do call back but it’s days later, unfortunately.

Not impressed.