Desjardins VISA Classic Consumer Reviews

I have a Bestbuy credit card through Desjardins, we just paid it off and now they cancelled it because they no longer have a contract with the Bestbuy store.
The second problem - we have a leon's card as well and another visa classic card, we have been making payments on time and always paid off the cards, so today my aunt applied for the leon's card they declined it and I was the co-signer to make sure and they still decline it for no reason, my credit is good, this is very disrespectful since we already in business and I been making payments, on time, so you know what I will close all my accounts with you for this disrespectful action declining my application, and I hope everyone and every business will stop dealing with you.

I used this company when Sleep Country offered a 2 year no interest through them. A few days later I made a second purchase and asked to have only one account for both purchases. First problem: they opened 2 different accounts and if they mailed any statements, I did not receive them. My first purchase: Took several attempts to access my account online to arrange for payments. Then I sent by fax and then by mail the information needed to make automatic payments. Both ignored. They began to send me late payment notices but no statements. After many failed attempts to speak with them over the phone, I finally was able to make the arrangements to pay without problems. In the meantime, I got a letter from the collection company regarding the "second account" (for which they claim have sent statements but none received). In spite of my efforts to arrange for monthly payments, they damaged my credit record and now I am dealing with a collection agency (for the second account only). My experience is that I am dealing with a deceitful or very incompetent company that is best to stay away from.

One of my furniture line of credit with them became overdue. I was on a 'don't pay anything for two years" plan to buy this furniture. After two years a monthly payment became due. It has been such a long time that it just went out of my mind, I missed the minimum monthly payment for 2 months, it wasn't a large amount. They never called or emailed me to remind me of the late payment. They ruined my credit score which hurt my ability to get a mortgage. When I called them to ask why you didn't contact me, they said they lost my number or didn't have it. I put all my correct details in the application. I paid off the entire amount rather than keep dealing with them. Even though the agent gave me the whole amount to be paid, they still contacted me of a small balance owing, I'm trying to get rid of them. Stay away from them and protect your credit score!

This company has the most confusing monthly payment arrangements I have ever experienced. They send you information on what you owe monthly and divide it all up. Nevermind how confusing the paper mail billing statements are. I asked what I owed in full because they put late on my statements and it reflected on my credit. I put 200 and owed 217 so it was considered a partial payment. Yet they do not send billing statements on time. Ridiculous. I asked them how much I owed in FULL so I could pay it ALL off because I was SO done with this company. They told me the amount I wrote it down and paid it. 2 months later I get a statement saying I owe 169.90$ and I'm 1 month late yet I asked how much I owed in full. I paid it and am going to cancel my credit card. Shame on you.

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!

I had a business visa card with Desjardins. It was the worst. Difficult and confusing to check the balance online. Confusing paper balances in the mail. My accounting software was unable to connect with the online account so, it was frustrating for my accountant too. I have 3 Mastercards with other banks. They all are great. Never going back to Desjardins Visa. Waste of time and money.

My wife called back in February to pay off our credit card. They told us the outstanding balance and we paid it. We never heard back from them until we received a phone call from Desjardins but it sounded like a scam. They told us that there was a balance on our card. Because we paid the card off fully, I didn’t think it was legitimate. We received a letter in the mail stating that if we have trouble meeting our financial obligations because of Covid 19 they could help. I call the number on the mailer and after being on hold for 40 minutes. A representative came on the line ( ID # 61A ). She was the rudest CSR I have ever dealt with. Completely lacking in empathy. I hope I never have to deal with someone like that again.

Their customer service do nothing for you! My 75-year-old mother had a loan on a sofa with Desjardins when the Coronavirus hit and my mom was afraid to go out do anything. So her bill went from $260 ish in March 2020 to over $525 by May 2020. It seems like a scam to me! So very be careful with this company!!!

Desjardins is just awful to bank with. I have a visa card with them they overcharged me and later when I followed up on it they said they made a mistake and would reverse the charges. They still charged me interest on it for late payment even though I should have never been charged at all. When I called in, I was on the phone for 1 hour on hold and when the person finally answered, she spoke to me for 10 minutes, said she would put me on hold to do calculations and left me on hold for another 40 minutes before hanging up on me. TERRIBLE customer service, incompetent employees. Do NOT bank with them if you can avoid it!