Presidents Choice Financial MASTERCARD Consumer Reviews

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.

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.