Presidents Choice Financial MASTERCARD Consumer Reviews

I was offered a vacation package that I saw in Mexico. I was stupid to believe all their lies. I realize this people are not honest, right away I call presidents choise to diapute the transaction. They told me because it was pending they cannot dispute it. So I waited. It was February when I signed a dispute form. But it seems like they are not doing any inventigation. I called many times and waitied for long call wait time. They said it takes 90 days to close this dispute. But it took till October. It took them 9 months and just to tell me I lost my dispute at the end. I will close all my accounts with this company. Their customer service is worst. They dont care about you, they didnt support my dispute even if I dont use any service of the merchant! And it took 9 long months for them to decide! Worst experience with this company. I will not deal with this people again!

I had 4 charges of frauds FROM AIRBNB on August 18, 2023:

I phoned PC Financial at and spoke to a lady to report these frauds
and I got the corrections (refunds) of 3 frauds next day but then PC Financial put these 4 charges of frauds back to my account again. I tried to contact PC Financial again to find out the problem but failed to contact them, I were put on hold for 45 minutes and then the connection dropped. I phoned again and got the same respond (holding for 40 minutes and the connection dropped). I will try again to dispute these frauds from AIRBNB and then I will cancel my PC credit card after 25 years using it for its grocery points.

I was charged $1400 on PC Mastercard for a service I never used. I disputed the transaction, PC said they would get back to me within 5 business days. I didn't hear anything until I called them a month later and they said no one had looked at the file, but that they would push the matter and someone would get back within 2 business days. I didn't hear back until I called another month later. They said, someone left us a voicemail on a friday afternoon and that we were instructed we had 2 days (over the weekend, while we were off the grid) to respond or the matter would be closed. We found a voicemail that was completely inaudible, which I assume is PC. We were told that they can't reopen to dispute and that the matter is closed. We made a formal complaint and again, we were told someone would get back within 2 days. It's been a month and I haven't heard a peep. After 15 years, we moved on to another provider, as we DO NOT TRUST PC WITH OUR MONEY!

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.

No definitive answers when asking questions, getting shuffled around on hold repeatedly.
Not to mention they were rude when I tried telling them how frustrated I was.

I have had a PC Mastercard for 15+ years. When it works, it's great. If anything goes wrong, getting any kind of support from PC Financial will be a nightmare.
A while back, the tap feature on my card stopped working. I ordered a new one. I tried to activate it on the website, but the system wouldn't let me enter the activation code. I called the helpline, which put me on hold and scolded me repeatedly for not solving the problem using their useless website. I waited for maybe an hour and a half.
During this time, I actually walked to a store location and visited the PC Financial kiosk. The guy there told me that PC Financial deliberately made people wait for hours for telephone support, and would not help me anyway.
I hung up and called the next day, and after another hour and a half on hold, I finally reached someone. She told me that she would not do anything to help me, and in a rude and disapproving tone, told me to do it on the website. I told her that the online activation wasn't working. So she told me to call a different telephone support line. I called that one, which sent me into a series of useless online menus, but wouldn't put me through to anybody.

The card is basically useless. Restricts many online purchases. Treats the customer like they are doing you a favor. Customer service is garbage, and wait times are ridiculous.

DO NOT RECOMMEND!

Applied for a credit card and was refused, with no reason given for refusal other than a list of generic and non-specific factors. Not very professional but I can accept that. The tone of the letter was what troubled me: it was needlessly dismissive and disrespectful. I got the feeling they were perturbed by having to deal with an applicant - so I won't be bothering them again on that account.

I waited for 11/2 hours for customer service and this lady having bad behaviour or say unacceptable way of talking telling me she knows everything because she said she's been working there a long time!!!! And in the end, hang up on me!!!! Just clarifying my bill's statements, how come they hire people like her.
I will cancel my card because it's frustrating dealing with this kind of service, not in my life again to get PC financial card and letting to know my friends and relatives how bad their service...

Incompetent staffs. Took forever to reach to a live agent. Staffs were rude and unable to identify or reactive my new card. Poor judgment skills