Desjardins VISA Classic Consumer Reviews

I just received notice that my personal information may have been compromised. To avoid issues, Desjardins says that they will pay for Equifax for five years... sure! First, you need to sign on, not following their instructions because that won't get you where you want to go, then you will get a code upon which Desjardin will MAIL you and activate code for Equifax!?!? The letter I received is dated May 28, 2020, and I received it on June 15, 2020. By the time Desjardin sends me an activation code, who knows what potential damage has been done. I have the credit card only because I bought a mattress! Two more months and I will be cancelling this card and I will NEVER go near this company again!

You would think that a credit card company would be vigilant about credit card frauds. I went to Best Buy because of the flexible financing they offered with Desjardins visa credit card. Despite my good credit scores, my request for the maximum of $2,000 limit had been denied. They gave me a Desjardins number to call to see why I had been denied the application. After series of voice automated options, I found out that I had been approved for $15,000 limit and the account had been created under my SSN (It's Canadian) This freaked me out, and I immediately called their customer service to see what was happening. I was on the phone with them for over an hour as the Fraud Department could not figure out anything, and they pass the call around with different departments at least three times. Oh, and when I was transferred to customer service, they were very short with me about the fact that I called them up about fraud-related events... It was very hard to keep calm over the phone. My last time being "on hold" I was waiting for about ten minutes, then the phone was disconnected. Needless to say, they have the WORST customer service ever. They were so irresponsible as they did not know how to deal with fraud-related events. If anything, do not deal with credit card companies who couldn't care less about credit card fraud (and your credit score)

I lost my wallet fairly recently, and there was fraudulent activity on my card which is my fault for losing it in the first place. However, I called customer service 6 times one night. The calls kept going dead, aka not dropping. Two of the six agents could not find my account based on the info I provided based on my name/birthday/phone number I provided. I spent over 2 hours and 35 minutes having my situation unresolved. As far as I know, someone still has my card and using it fraudulently as they could not get it cancelled. There is a balance owing and I'm praying it does not affect my credit rating.

Compensation, customer service and the technology they use to move the money around are all by far the worst I have had to deal with. I have 3 other Visa cards that are substantially better. When trying to get statements after cancelling this card they made me buy a fax machine only to have different representatives tell me they won’t fax for security reasons. After 2 weeks of hounding them with calls, they finally emailed to me which they all said, in the beginning, was not possible. The reps on the phone are consistently awful, arrogant, snarky and hard to understand either their strong French accents