Top 245 Reviews From Legit President's Choice Financial Buyers (2024)

I had a bad experience with PC Financial MC. When I tried to ask them to dispute the transaction, they were not helpful. They didn't care to resolve the problem and the customer service agent talked rudely. Sherry called me a liar and her manager Eli was ruder. They put comments in my dispute so they could reject my dispute. There’s no protection or safety on this card. TD and RBC or even Amex are best cards with peace of mind. The service to dispute a transaction is poor and hours of wait hold, disrespect and rudeness to deal with. They just made any excuse to reject the dispute by saying you have no rights and you’re stuck to pay for over charged and fraudulent charges.

I've been a loyal PC Mastercard user for several years, typically enjoying a problem-free experience. However, on Oct 18th, a hiccup occurred. According to PC Financial, an issue with my card led them to block it and dispatch a replacement without any notification via email, phone, or text. I was in the dark for days about my card being deactivated, only discovering the change when my card got declined at a store about four days later. Despite my high credit rating and over two decades of spotless credit history, suddenly, my card was unusable. Reaching out to them, I learned that some flagged activity on my card prompted this action. Their lack of communication left me frustrated, and their response was a mere surprise that no one had informed me. It took a call to them to understand the situation; otherwise, I'd still be clueless about why my card wasn't working.

I was told to expect my new card within 7-10 business days. Upon its arrival the following week, I attempted activation but encountered a series of errors. Contacting support led to a blame game where I was accused of incorrect data entry by multiple support personnel over a span of 3-5 hours. Following their instructions, I tried activating it on their website, only to face an error message urging me to call a 1-800 number for further support. The cycle of calls, blame, and futile attempts at activation went on until the 5th support representative identified the issue: the card had an incorrect expiry date.

The realization came after hours of being blamed for supposedly entering data incorrectly. The error on their part now meant waiting for another replacement card for two more weeks. The incompetence disrupted my automated bill payments, setting me up for payment bounces at the month's end. The ordeal showcased a glaring lapse in customer service, leaving me utterly disappointed.

You cannot use your debit card at retailers unless they accept Mastercard as a method of payment. You cannot get cash back at any retailers because your card shows as a credit card purchase. If you need cash, real cash, you will have to use an ATM and good luck finding a PC Financial ATM, especially if it's after grocery store hours. In that case you will pay, big. If you go to a non PC ATM, you will be charged $3 for using their machine PLUS $2-$3 from PC. So, taking out $20 will cost you $25! That is a 25% fee! You should also be aware that cheques are not available on these accounts.

My wife and I have a PC Financial Mastercard. We were travelling in BC for most of the summer and when we came home around August 23rd, we noticed a new card (PC Financial Mastercard) was sent to her. Why?!? We checked our transactions and sure enough, there had been some fraudulent activity on our account (6 charges to hotels in London England that were of course not made by us as we were in BC).

Usually, most credit card companies have algorithms to catch activities like this - not PC Financial. RBC Visa or Mastercard would have called us right away. Funny how PC Financial sent my wife a new card but did not mention that we had over $2500.00 of bogus charges on our account. They say it was 'just a coincidence! Ya, right.

After 5 conversations with different people who eventually 'opened a file' on this matter - they said on August 24th that we would be re-imbursed on our next statement. Not right away as most 'real' banks do. On our next PC Mastercard statement, guess what... no reimbursem*nt!!! Shocker. The same guy that jacked up bread prices for Westons/Loblaws, must be in charge of their credit card division. Talk about cagey!

I just spoke with the seventh rep at PC Financial and they say that we will see a re-imbursem*nt for these fraudulent changes on our next statement around the 3rd week in October. So it takes almost two months to get our money back. If I didn't keep after them from the start, they likely wouldn't have said anything nor reimbursed us. I would suggest that you consider another card, or watch these guys like a hawk! Just trying to share a horrible experience ("Mikey Mouse" outfit) with other people. Buyer beware.

My card was unfortunately affected by fraudulent activity. I contacted customer service and a new card was scheduled to be sent. I did not receive the card for two months. I contacted customer service again and again was told that the card would be sent in the mail. In the end, a charge of $6.83 was on my account while I was awaiting the new card. I was planning on waiting till I received the new card. However, my account was instead suspended over the balance. Over $6.83. Without any notification. It is also very inconvenient to get ahold of any customer service agent. Be prepared to stay on hold for a good amount of time.