ScotiabankReviews 274

The mortgage department is horrible. The mortgage agent are not trained and have zero finance knowledge at the Whitby branch. If you call the head office try to get someone from Maritime provinces. It will save you time. The solutions you will get are not outside of box, shows you can read about it online and come up with it yourself. I would recommend go to BMO, TD, RBC or any other bank. SCOTIA IS RED FOR A REASON A RED FLAG. GET READY TO GO THRU GENERAL CUSTOMER TO LOANS TO COLLECTION TO GENERAL CUSTOMER TO FINALLY GET TO MORTGAGE.

Reserve 4-5 hours of your day when calling scotiabank

Zero rating for their customer service which is almost non-existent. Their credit cards and mobile app are very unreliable. You just get locked out for no reason. The branch tells you it's not their problem and they ask you to call customer service which you'd have to wait 2-3 hours for. Then you get passed around different departments for 2 more hours only to be told to go to the branch for help. They use third party customer service which you can't understand on the phone. They avoid trying to help you and try to refer everything to their incompetent phone customer service. They don't have any accountability. The WORST customer service in any business I have dealt with in Canada.

Anyone that you speak with are not a resident of Canada. Wait time now is ridiculous from 30 minutes or more. Never used to be that way 3 years ago. Fraud department putting accounts on hold when unnecessary. Just garbage service!
When they they are sorry, believe me, they're not. That word sorry should not belong in their vocabulary..

Several years ago, I was trying to buy my first home. I knew nothing about mortgage brokers, and my real estate agent had a Scotiabank associate in her office on Parliament St. I was debt-free, holding three part-time jobs, and had a $65,000 as a down payment - this was in 2004, when you could purchase a decent starter house (in Toronto) for about $220,000. I found my dream house, in East York, for $237,000. When I made an offer of $232k, the Scotiabank agent told me that I had obviously NOT read the papers carefully, that I would have to come up with a 35% down payment, approximately $82,500. I tried to see if there was any way I could get around this punitive clause. I was informed that it was because I was a woman, because I was single, and because I didn't have full-time employment - never mind that I was working 28 days a month! I had to settle for a much smaller house in a really trashy area, and it took several moves before I was able to move to a decent area. Thanks a lot, Scotiabank - I would advise against using their services, despite their cheery, misleading advertising.

Tried to send an interac transfer to my SO (who has sent and received money from me before), Scotiabank decides today's the day they're going to block the transfer without offering an explanation or initial check before just blocking it. After talking to multiple chat advisors, nobody could give me an answer and told me "call this number, they know" Guess what! A 2 HOUR wait before I spoke to a single person. I had to wait and listen to their awful music, and had to spend almost another hour before it could be resolved. I went to the branch the next day and withdrew my funds, closing my account. What an absolute awful bank and an awful experience. This was the final straw after numerous "____ service will not be available from M-F" "Interac is currently down" "There was an error logging you in" "Sorry, can't complete the request right now", not to mention the EXTENDED amount of time you have to wait for refunds, payments to reflect, or anything being processed versus other banks. I encourage everyone to explore their options outside of Scotiabank.

If someone has a fraud issue don't even bother to ask for help because THEY JUST DONT CARE! There isn't any help! I REGRET being a Scotiabank client. Don't know what's going on but it is so frustrating. I have other things to do than wait on a 45 minutes call waitlist to get a representative to deal with an issue I shouldn't even have in the first place. However after waiting this much they ALWAYS transfer you, ops hanged up on you. Try it again, took me today 5 hours for an answer! Never again!

Just terrible service from customer service to branch manager in Cobourg Ontario. They locked me out of my account and stole my money. They will not return my money or let me back into my account. I've contacted everyone I can and they can't help me and are very clueless as to what is going on. It's really to bad a bank would need to steal money. I would give 0 stars to Scotia Bank

Customer service consists of a mandatory conversation with a robot before being informed that wait times to speak to a human are "greater that 45 minutes". I have done so twice already today only to be cut off after the long wait without actually speaking to anyone. After many years with this bank, I am now on the hunt for an alternative. Who in their right mind would continue to accept this kind of treatment?

In need of money, rushing to Scotia to take $5000 out. The old bank teller sitting there, we put in right pin, then asked if we have ordered to take cash out. We said no. With other bank, $5000 wouldn't ask to make order first. Then she was asking ID, as my mom old lady only taking Health card with her outside, showing the Health card. Then she asked the phone number, we couldn't remember the full long numbers, instead of asking other verification questions, she went to report to the office. Then it was arguing and questioning like police. It took more than 20 minutes. Even it's duel diligence, questioning as police is not right manner, plus though all our questions answer right. It's so difficult to control voice seeing this kind of so called service. Instead of giving cash $4000 as she said she could do, she lowered it to $3000. After 30 minutes we stepped into the bank, we took $3000 out from the bank. This is not giving service, this is giving trouble.

Wish the old lady good luck in her career, witch acting like a police.

Do not deposit a cheque you may end up like me! I deposited an almost stale dated cheque it still had 3 days to go. It actually cleared from the issuing business on the same date! The bank threatened to charge me with fraud for attempting to pass a bad cheque!
It's 3 mths later and there's still a hold on my acct! Nobody will release the hold eventhough there's been 0 days left on my acct and has been 0 days left for well over a week. I've left numerous messages with the top 3 people at my branch over the last 10 days I've left 4 messages with the office of the president and no return call, nothing! The line is so busy with people complaining that you have to leave a message and callback number! Worst bank I've ever dealt with by far! Worst customer service not to mention my money being held hostage for 3 months when it cleared the day it was deposited!

Absolute $#*! company. I've had issues ever since I set up my debit card with them. It's just one thing after the other, first the pin wasn't working, then it's the verification. It doesn't even show a change in my balance once I've received or taken out money. I don't know what's going on but it is so frustrating. I have other things to do than wait on a thirty minute call waitlist to get a representative to deal with an issue I shouldn't even have in the first place.

This bank is terrible and will be banking somewhere else. I've worked hard to get my credit up, applied for couple got approve and confirmed. Even spoke with a customer representative because I've changed address. Wait 2 weeks to find out they put a hold because they need more information. I don't care about that cause my other credit card raised my limit, I know I'm good. But to not notify is unacceptable. To waste my time, get hard enquiry on my credit score, my plans to buy things for my new place. I'm also going to start another company and ruin my schedule because of their laziness or care about their client and reputation. Om definitely pissed for they've don't that several times now. Have more poor reviews and good ones, I'm not the only one that feel this way. Save yourself the heartache and bank somewhere else. I'm speechless how much they suck!

Ive been involved in a Fraud with someone who has sent me a Fraudulent check and I've Talked to The Customer Service they said the Fraud Department handles these Types of Problems and someone From the Fraud Department said that the issue might be resolved in 14 days but its been more than 14 days and Issue hasn't even Been Resolved Yet im Really Fed up with this bank my Account is Still locked and I can't even conduct online banking scotiabank has slow Service and I'd Not even Recommend scotiabank to someone I'd rather Open a Bmo Account Right now to be able to conduct online banking...

They are horrible, don't ever use. They will take payments on incorrect days, bounce payments as they feel, including bouncing payments because they took their fees first. Now they REQUIRE 2 step verification with a cell phone and I can no longer login to the bank without it. I am done and ma closing my account. NOT worth the headache. 0 stars if it would let me

The worst bank I ever had! The costume service never have answers to me questions … I have been more than 3 months without receiving any transaction from others banks. They told me that my account I was fine.and the others banks have problems. Sorry but four different banks can't be wrong. And I had another's inconvenient but I think I need 3 pages to tell you guy's.my advice DO NOT OPEN any account with them..

Very inhuman bank. No mercy, as a low income like me, I can only pay a staggered payment not one time to their sky rocket interest on top of my debt. I been so long in scotia, and recently I experienced this kind of very inconvenient payment they did to me, all my salary from my checking they took all for the interest. I am so devastating where now I i will a money to feed my family, pay some of my debt. SCOTIA BANK VERY VERY VERY INHUMAN.

Two hours on the phone to find out out why a simple transfer wouldn't go through. Person I talked with had no idea and was extremely rude.

I had a few accounts with Scotiabank and somehow, either internally or externally a person was able to open two Mastercard and two Visa accounts under my name without my approval and I did not even do any online banking. This hacker was also able to take my identity and change my address, phone number and other banking information. Needless to say I closed both accounts with Scotiabank. You cannot trust a bank with such low online banking standards and security protocols.