Scotiabank
reviews and complaints

In The Emails from Scotia Bank

Please Do not Accept any Offers For O% Interest because it's all fraud or just To make Customers in dreams.

Even When You Calls For their Mistakes they will Threatened You and They will Do Wrong Investigations on Wrong side To just waste Your Time. And You will Ending Pay higher Interest Lots if Mony. NO ANY OTHER BANKS DO NOT HAVE THIS WORST EMPLOYEES AND CHEATING BEHAVIOR AND HELPLESS POOR MANAGERS. WHO'S BOUNDED BY SCOTIA BANK WRONG POLICY.

I AM PAYING EXTRA MONEY TO JUST KILL MY NEW BUSINESS FOR PAY 0% FAKE MONEY.

Please Do not Trust Scotia Bank any more Why ?

I will Explain to You

Call Me Ayaz Durrani [protected]

Scotia Bank is a Bank of America partner and BofA customers can withdraw cash overseas without fees. That part is true but the foreign exchange given by Scotia Bank is much worse than the rate provided by other banks and resulting in an effective exchange rate that is far less than competitive.

I had 2 experiences with Scotia Bank recently:

1) Cash withdrawal in Asunción (Uruguay)

2) Cash withdrawal in Mexico City (Mexico)

and in both instances, Scotia Bank provided an exchange rate as much as 20% below the market rate.

I contacted Bank of America on 08/31/2023 to make them aware of Scotia Bank's practices and asked that they stop referring their customers to Scotia Bank.

When there's a problem and you speak with them over the phone they hang up on you and then you call them back and it's always over an hour wait to speak to a representative when you schedule an appointment, they cancel it with no explanation and there's no way to contact them via email,n even though you've been waiting a week for the appointment and they've been cancelling consistently, my information is not secure as my account has been hacked numerous times but this has never happened with other banks***. If they are making changes to your account even when you're supposed to have a deduction come out, sometimes it's delayed which results in an NSF for the deduction not coming out at the scheduled time and Scotiabank takes no responsibility and says that the changes happen at random times so there's not much they can do, it takes ages for a cheque to clear too or to receive an e-transfer as well.

I still don't understand why the appropriate heads are not taking actions against this bank . This has been the fifth time this bank is taking my money and when to pay it back they don't it give.
I recently called once more requesting a withdrawal from my account in advance of 5 days with the required denominations. I was give a name and number who will be handling my request. I went to the bank 5 days after to pick up my cash only to find out it is not available. I requested to speak with the manager . It so happened that this manager was a financial planner at the time of one of the instances at another branch where the exact situation happened. I am not letting this go by cause these services are very prompt to take a dollar from your mistakes for eg one extra transaction.
These incidents happen 3 times at Highway 10 and Bovaird branch once at Mississauga and Williams Parkway and once at Queen Street.
I dealt with several managers but nothing changes.

the only bank with mandatory two step verification where money gets *** from your account, An automatic payment was made from my account to ***, money I didn't owe *** so I called Scotiabank to enquire about it, I was told *** requested the money and if *** didnt know about it, I should call the Fraud Department.
Needless to say *** did not request any money because my preauthorized payment was cancelled, neither did they get any money from Scotiabank, so I called the Fraud Department and surprise surprise they can do nothing about it I have to go to the branch. I sold a house the payment was deposited to my Scotia Account todays later I had to go into the branch to track my money down they charged me $15.00 to accept the wire transfer but didn't know what to do with it so they were about to send it back. i have been with this Bank since 1988, I am so scared to leave my money with them overnight now .Today i will start moving the few dollars I have there somewhere else and will sell the house when it comes up for renewal next year.

Scotiabank loan department should stop sending generic letters which make clients panic and worry. We received a letter that our account is long overdue and need to pay all the balance and interest. Instead make individualized letters stating the amount of the outstanding balance and the interest that the client has to pay. So we have to call which is a long wait and waste of time. So we learned that the balance is only $107.90 and the interest is $1.50. We have arranged a PAD and so the loan would be debited bi-weekly from our account. The remaining balance wasn't debited so we thought we had paid the entire amount of the loan. Until we received a letter stating that our loan is long overdue and need to pay the balance and interest which drove us to worry and panic. Scotiabank should have sent a more detailed letter explaining that our balance wouldn't be debited from our account but instead pay it directly to the bank or call an agent. But instead, Scotiabank sent a generic letter that is vague. Hope you would look into this matter so future clients wouldn't have the same experience.

Absolutely useless customer service, tellers aren't any better. Called about weird charges on my checking and they open up a fraud investigation, tell me I must go to a branch to get a new card. Except that my account is a French account, and I moved to a very English province, and apparently the banks here don't bother keeping both language cards around (and apparently that's a thing), or the ones they do have are expired.

Tell me to call customer service, spend 3 hours on hold and talking to multiple different reps, each one more useless than the next, talked to fraud analyst who guaranteed she fixed the problem and will transfer me to someone that can send me a new card, and surprise, that person also can't do *** either.

Their solution now is for me to go to a branch and have them call customer service so that I can get a new card mailed to me. Yeah.

So now I have to book a day off work to do banking to hopefully be able to get a new card sometime within the next month. If I can get one.
Other option is sacrifice what's there and close everything. Worth it to not deal with this useless bank anymore

I recently had a horrible (and time consuming) experience with Scotiabank. I called to apply for a lower interest credit card, ultimately wanting to transfer the balance from a higher interest card (that I had with Scotiabank as well). When I initially spoke to someone they were very helpful and mentioned that if I could show a solid payment history for 6 months, they would be happy to turn the card into a line of credit tor transfer the balance to a lower interest card. I then called and spoke to a different representative who told me I was approved for the lower interest card and would get the transfer rate of

Worst idea of a business. WE all still pay all the service fees and interest well above the Canadian Bank Rates but they feel we are not worthy of having our issues handled in a timely manner meaning 5 minutes from start to finish instead it is acceptable to think we all want to wait the minimum 45 minute hold listening to their voice over advertising. Well I am fed up because website issues being locked out because of their second factor issues they DO NOT TEST FIRST BEFORE LAUNCHING. And so many other issues. Took 3 second factor issues to simply change the email and password on scene points and now I am locked out ***. I am totally done with this Banks idea of service. THERE IS NO SERVICE ITS SIMPLY A BANK THAT CHOOSES TO FORCE YOU TO WASTE TWO OR MORE HOURS OF YOUR LIFE AND THEN THEN CUT THE PHONE LINE OFF WHEN THEY FINALLY ARE SUPPOSED TO CONNECT TO YOU. so done with my life being stuck on the phone connected to the charger so the battery life is still active when I finally speak to someone. ITs time to source a bank that cares and gives a human at the branch who has authority to do it all

The absolute worst bank, and worst company I have ever dealt with.

Had my credit card frozen while travelling as Scotia thought one of my purchases was suspicious. When I called them to authorize the transaction and have my card unlocked, they couldn't unlock it and told me I had to go in-person to a branch to have access restored. During covid, when I already had let the rep know I was out of the country. Spent over 6 hours speaking with various reps and branch employees.

They sent my debit card to the wrong address, because apparently when you update your credit card & account billing address, that doesn't update the branch's records. Again, not in the country, so I had to jump through hoops in order to get a card - all while not having access to my money or online banking portal due to them cancelling my old card.

If you encounter any issue that requires talking to customer service, be prepared to wait for at least an hour on hold until being connected to an agent. And even then, it's unlikely that will be the end of the time you need to invest.

Someone should honestly file a class action lawsuit against Scotiabank - the amount I have paid in fees, interest, etc. makes me angry, because I feel like Scotiabank should actually owe ME money for all the time I've wasted talking to their reps and dealing with their stone-age policies.

Every time I call, I get a different story from each rep. It's like they have 25 different policy books, and it's up to chance which policy you end up being told.

Absolutely horrible bank and customer experience. They need to be investigated. Avoid at all costs. I am in the process of switching banks and will never again deal with Scotiabank for any reason.

been with scotia for 6 months now and have had nothing but problems with them, between then always freezing my account and holding my money, telephone banking that wont do banking over the teliphone insted just say every single thing bank related must be done at branch but there is no way to contact the branches can only talk to the call center back east. and the biggest and final straw was to day where they are refusing to give be my direct diposit from compo so i can pay my rent in 2 days and after sitting on hold for 45 minuites then getting hung up on then having to call back on hold for another 45 minuites and arguing with the pweroson on the other end of the phone for another 15 minuites with them sayinging that i had to go to the branch even though i am positive for covid 19. so i was forced to go to the branch and jeperdize all the poor staffs there well being as well as the other coustmers, and rising a 25000 dollar fine and jail time my self just for the branch to say no thats a telephone banking this as they dont have the access to what i need. so i call back to the call center and 45 mins later ask to speak to a supervisor and what does *** do? he transfers me back to the *** branch manager. so i hang up and call back for the 4th time today where after another 45 minuites on hold (do the math this is a full day now waisted ***) but thankfully the lady i spoke to this time was decent and actully looked in the the porblem and transfered me to a supervisor who documentd the complaint but ended up just giving attitude like everyone else. as soon as my money clears i am out of this *** bank and will be using *** or what ever else i am done with banks.

Huge security issue. ***

Before July , I had a Power of Attorney added to my account since I was traveling and needed someone to have access to my accounts in case I needed a new card while abroad.

When I returned in July I went into a Scotiabank branch to remove the Power of Attorney (POA) from my account. Scotiabank confirmed that the POA was removed.

Today, almost 2 years later, the POA informed me that they still had full access to my account. This was all without my knowledge, as Scotiabank had confirmed with me that this person was removed, when in fact they were not.

I called Scotiabank today (June 18) and asked why the POA wasn't removed.

First, while asking my security questions, they ask who the joint account holder was (very unsettling since this person was supposed to be removed 2 years ago).

Then, when they inquired about my request they told me, "this person has been removed" meanwhile, the POA could still see all my account details and had access.

I let them know once again that the person STILL had access to all my details. After waiting on hold for a while, I was told that this issue would be directed to the branch to resolve the issue. The branch got back to me to confirm this person was removed with the following message. "The contact center asked me to remove the POA access and I have done so. Please let me know if you need anything else."

Their team has handled this situation VERY poorly.

Having someone on my account for two years that had access to all funds, unknowingly, is a huge security issue, especially for a bank. Thankfully this person didn't withdrawal any funds that they had full access to and shouldn't have. However, other people in this situation may not be so lucky.

I have responded requesting the following information:

What caused this issue? Who was responsible for it? And what will be done in the future to prevent such issues?

Very disappointed. Be careful before considering banking with Scotiabank, especially if security is a priority for you.

I really wish I read these reviews before considering banking with them.

The most horrible business on earth!
I spoke with Call centre both agents and "supervisors", tellers and Branch manager! and everyone without any exception was absolutely useless ***! I even spoke with"The President, Scotia bank" and what a waste of time!
I opened an account early October , and it was a super complicated long online verification process. But after different tries, I finally did it and I received their fake emails telling you all is good and now you can start enjoying our online services! To find our few days later that I am not able to access my online account!
After many phone calls I made to there completely useless Call centre, finally one lady she gave me the access.
I started transferring my pay to this horrible bank, and they started to charge me their ridiculously expensive monthly fees of $16.xx, to find out. after two months that I am not allowed to take any money from my account!

Of course I called again, and you all know how long we have to wait to speak with one of their *** "Customer Service" agents/supervisor. After waiting for almost an hour, they said:
Your account is not fully opened yet since you still have to go to the branch to verify your identity! What the *** Two month, taking my money, and charging me monthly fees, and I am not allowed to take my money?
So after speaking with "supervisor" she promised she will make a phone appointment for me with the branch to finish the process of closing my account and give me my money back, and gave me the option to call the "The President, Scotiabank" to make a complaint about all this, and when I called, the agent was very impatience, and she was blowing air all the time, she told me the "supervisor" never wrote anything about your appointment in your file, and no its not possible to resolve this problem by phone and you have to go in person!

***? What a real shame for a Canadian Company!
How would I get my money back? God knows!

Don't you feel just helpless with all these big companies are exceeding their bad treatment to the clients and no resolution is done?

It is all my fault, as last year I tried to open an account with them and I had a horrible situation with them by Phone and in Person, but I decided to give a chance!

I tried to call the branch to see if I can go down there and take my money and stop this nightmare, but it transferred me automatically to the call centre!

Good Day
My name Is Brian T., I live in Oshawa On. And I would like to tell my story if I may.
I am a senior just turning 61 this month which has been one of the worst months of my life.
In November I had a mental breakdown. *** I have made arrangements for a monthly payment on a credit card I used to have and have been trying to live up to my commitments. Well I give up.
I had a new car loan with Scotia Bank which had a mere 6 months to go on when I had my breakdown. I defaulted on this loan I freely admit and I'm sorry but what could I do. So Scotia bank sold the dept to *** Collections which was at $5846.06 as of 06/04. With interest of course it is outstanding about $6500 now. This collection company calls me daily *** for some kind of payment. I have explained over and over and over my situation but they just don't care. The phone calls still are daily.
Well on the 30th of May Scotia Bank withdrew $540 out of my account with no notice or authorization. When contacted they said they were just taking out the money in automatic withdraw I had agreed to in 2013. That is not true I had it set up to be taken out of my *** account which I no longer have..Another fine story about the banking and collection system in this country and how they treat seniors ***. But we know that from the news don't we. They withdrew my last cent in the world with 3 payments of $163.93 and of course they had to take my last $49.12 that was left in my account. Then NSFed a cheque that I had set up to pay off that other credit card. Now I get phone calls daily from that company! I have had no money for food or medication which now I have not had any since the 10th of the month. ***
So who do I owe $6500 to Scotia or the collection company? Why are they both *** me to the point of another breakdown. *** I have tried my best to smooth this all out but my next step is going public..***, emails to news and so on. With the way things are it would make a good human interest story.
Please do not send me instructions or mounds of paper work ( like Durham). I have no friends or family here to help me fill it out and of course you cannot actually sit down with your case worker in this brave new world! What a joke my life has become and all I ever tried to do is work hard and survive!

Brian J T.

This has been an ongoing battle with Scotiabank. Opened my first account 1970 savings. Account was closed by Scotiabank without my permission, since it does not show up in my profile any longer? Just disappeared.
Had a personal chequing account for probably 45 years, went to make a deposit one day, and after about 15 minutes and chats with other employees, teller informed me account no longer exists. Seems some *** bank employee stuck their nose in my personal business and closed said account. In any other organization, employees are chastised and often fired for accessing personal information, without reason. Doubt that happened here. What did an *** branch employee do, to follow up on this, well they sent me a survey, rather than deal with their obvious error. By sending this ridiculous document they proved to me conclusively I had been screwed and they were not going to do a *** thing about it. Was never given an apology for this, or any other compensation, guess it is okay to *** someones money.
In June last year, I had been paying a balance on a *** account I was not using, seemed a bit odd to me, so to be sure reported card ***. Some time later attempted contact with *** having issues with account. Attempted to interact with individual, explained never received replacement card, but the number on back of new card must have been different to old card. He accused me of being a theif and hung up, but the last thing I told him was close account.
I logged into my banking profile this week and discovered there was activity on this account, yes Scotiabank had *** from me again.
An individual identifying as a Scotiabank employee started pestering me late 2020, wanted to contact and meet with me regarding my accounts at branch. I finally agreed after *** from me so i responded aired some complaints and agreed to meet with her. I did inform her if we could not resolve problems I had with Scotiabank, I would be closing my accounts, and pulling my money out of Scotiabank for good. It is with this exchange that she indicated she wanted branch Manager to be involved. I could not see the point and considered this a stall effort, and advised her of such, but she insisted. Sent email to manager, he finally rersponded with appointment at 3 PM Wednesday March 31 . I within the hour responded advising difficulty scheduling on short notice. Now that was 23 hours ago. Have emailed 3 times since, for reschedule, guess he must be too busy. It is a crime the bs I have put up with from this branch of Scotiabank, considering the 1.5 out of 5 rating Scotiabank I am likely not the only customer they are currently screwing over.
These are not the only issues I have with Scotiabank

My lawyer deposited a certified cheque to the Scotiabank at Yonge and Mulock on Nov 25th for the sale of my Condo. I've confirmed with my lawyer that it was a certified cheque and he said he uses this branch all the time to deposit certified cheques for his clients and they never hold the cheques. But this time they did without letting me know. The next day I transferred to my investment company as the full amount is not insured with the bank.

I got an email from my bank saying my account was overdrawn. I spent all Monday the 29th and Tuesday the 30th trying to get through to my branch with no response. I contacted the branch that put the hold on the account but they said they couldn't remove it. She also said they had to put a hold on it because a third party deposited the cheque. This is done all the time by the lawyers. My parents sold their home the same day and their lawyer deposited their cheque into their new Scotia bank account with no hold. I have had no NSF's and my credit rating is excellent but they still held my cheque.

I've called the VP's office and they said it can take up to 15 days to resolve. This is really bad business. No return calls to resolve this problem.

Real estate lawyers do this all the time as the money usually has to go towards the purchase of their new home. They can't wait for 15 days while the bank resolves the issue. They would be sued for not closing on time.

I've been on the phone with customer services and called the branch many times but no returned call. The customer service person said they booked a phone meeting with me for Nov 30th but I was not informed about the meeting and didn't receive a call from them at 8am when the phone meeting was apparently set. The hold is still on my account and no help from Scotiabank.

I spent two days on the phone trying to get the hold removed when I got a message that my account was in overdraft. I talked to the manager at this branch and she said they had to hold the cheque because a third party deposited it. Yet my parents home closed the same day and was deposited by their lawyer to a brand new Scotiabank account. No hold on their funds (and it was a much larger cheque). I've been a customer for over three years with no NSF's and a very good credit rating and my funds are held. I was told only my branch manager could remove the hold. I spent the day trying to contact her with no luck. I eventually got the number to the presidents office 1-877-xxx-xxxx and was told it may take up to 15 days to resolve. If you're having problems call this number first as you won't get any help from the branch or the help line.

I contacted my lawyer this morning and he said he uses this branch all the time and the branch manager never holds the certified cheques but all of a sudden they want to hold mine without letting me know.

I'll continue to update this review. Hopefully it won't take 15 days to resolve and that this will not affect my credit rating and incur extra charges from my investment company.

I hope this doesn't happen to other customers when selling their home.

I closed my Scotiabank *** after paying off the balance in April 2022. I had previously been in credit consolidation and the credit consolidation company made a payment on the Scotiabank *** after I had closed the account. After some investigation, I discovered that I had a credit of $103 on my Scotiabank ***. I contacted a customer service representative in early June to ask how to receive a credit for this overpayment. I was told that I would have to go into a Scotiabank location to show identification. I went into a Scotiabank location on Wednesday, June 22. Initially the teller gave me the credit in cash, however she made me hand the cash back to her after seeing some sort of alert on my account. She said that she could not help me and I would have to call Scotiabank ***. I made the teller call them as at that point I had spent at least a few hours of my time investigating the issue on the phone, as well as arranging to go in-person to a Scotiabank. She spoke with someone who said that I could not receive a credit as the payment was made over 30 days from the time I called. They said the only way to receive the funds would be to open a new account with them. I think it is very dishonest that Scotiabank did not reach out to me to inform me of the overpayment, and when I attempted to look for the credit using mobile banking it was not apparent. Now it seems more than convenient that too much time has passed to claim this credit. I filed a complaint with Scotiabank *** on June 22, however I have not heard back from them and I have little confidence that they will refund this credit without prompting from a third party. I would like this overpayment to be sent to me as a cheque, just as other credit card companies have done for me in this situation. This money came out of my bank account and it is rightfully mine, not Scotiabank's.

Idk what province it just gave me ON as an option. I am unhappy with the service I get from scotia so I was switching my acct to *** and my scotia loan payment came out of both accts which mailed my SGI plates NSF and I took a hit on my credit score. They were skipping a payment on Dec 25 to make up for the duplicate and my next payment was suppose to come out Jan 8. It skipped dec 25 but came out Dec 29 instead and 2 payments came out Jan 8. It took them over a week to reimburse me for the duplicate payment on Jan 8 and then another duplicate payment came out Jan 22. I didnt not get reimbursed they said they were doing an extension so the next payment wasn't suppose to come out until feb 19 and it was only going to be for the interest of $14. Today is feb 6 and a payment still came out. I called she was working on my acct and she was talking and the call dropped. No one ever calls me back. This is the 3rd time a call has dropped and no one has the courtesy to return my call. And when I was dealing with the last duplicate payment from the 22nd I demanded to speak to a manager. They said a manager will return my call Monday morning. No one called so I called Monday afternoon and the guy told me he will call me back himself Tues and have a manager on the line with him. No one called me back. I called the following Sat. Nothing got resolved still no manager. So I went into the branch early this week to get something done. It took almost 2 hrs but I thought they resolved, apparently not. And the CSR was suppose to call me back the next morning foe a follow up on the credit score correction. She did not. So idk if she actually did it or not. But the next day I got a call from collections that my acct was in the rears for almost 30 days. Well how can I clear it and close it if I'm not getting reimbursed? Keep messing up so other things NSF. I live pay cheque to cheque since my separation I can not afford this mess ups

I recently had the worst experience ever with Bank of Nova Scotia and wanted to see if this is actually something the Bank is allowed to do legally. My boyfriend went personally bankrupted on Oct 27th. The bank was officially notified then. We do have a join account together but the licensed Insolvency Trustee told him the Bank cannot touch this account. However, this was not the case at all. I am main user of this joint account -0 been opened for over 30 years . Boyfriend was added several years after. This account had overdraft but I was the one who applied for it. Account was in good standing, no issue. Looked at online banking Thursday afternoon and the account was GONE! And I saw a new loan (in grey) showing in default! So after several calls, I ended finding out that BNS CLOSED my account and put the overdraft amount into a loan. NO ONE contacted me about this at all. The branch we work with , Petitcodiac NB, was absolutely terrible in customer service + response. They were on-responsive, unhelpful***. This is surprising to me as I never had any issues like this before...ever...anywhere. Since the account was now closed, and no one apparently could reopen it, all my transactions were returned for that night! Obsolutely terrible. They told e it was because of his bankruptcy and he was on the account. Ok I get it BUT why did they close the account and NOT notify in advance? This whole fiasco could have been avoided and easily handled much better. They did eventually open the account back up late the next day BUT now the branch is saying the NFS fees from any 3rd party they will not reimburse me. And the money was there. I m going after them for them to compensate me for the fees at least as this is not right. These big banks making BILLIONS each quarter and the treat me like this? I have spent over $50,000 in interest fees OVER 50 yr period and I get treated like piece of dirt. I may leave this bank.

I had a Scotiabank chequing account with a 1500$ overdraft. The bank account was linked to a Scotia Value ***. My *** was automatically deposited into my Scotiabank chequing account which 200$ would be directed from my account to pay on my credit card. Due to my account being in perpetual overdraft by anywhere from 100$ to 500$ monthly the bank decided to convert my chequing account to a loan but failed to inform me or send any documents explaining the process or any rates, fees, interest rates, loan terms, repayment terms or even a loan number to be able to begin to pay it. I found out about the loan once the calls from value *** began about my credit card payment not being received for 3 months and fees would be tacked on for overdue charges. My first instinct was to check my Scotiabank chequing account which I then realized no longer existed. I contacted Scotiabank which was no help and but me through to the fraud department which said would call me back never did. Not long after the calls to pay the loan (which at this time I thought was identity theft or just a scam) started. The phone calls started two to three times a week from Value *** and the loan department meanwhile where were my *** payment going to and why were they not being put towards this loan? Someone from Scotiabank Value *** called me told them the situation which I then was transferred to customer service which once I told them the issues would disconnect from the call. This is now the situation I get told to call customer service I do and get disconnected every time. The loan collection department calls 2 to 3 times a week I keep asking for the loan information to be mailed to me so that I can organize through my bank *** and start paying for this. Still waiting on loan documentation it's been 90days. I was told to go to the branch which requires me missing work and means a loss in profit for me to fix an error made by the financial institution.

LOST 55,988.00 USD DUE TO SCOTIABANK CLERICAL MISTAKE; AHMET C. On the date of AUG 24, 2022, 55,988.00 USD (Fifty-five thousand nine hundred eighty-eight USD) was deposited to my USD Saving account in Scotiabank with a bank draft from my sister. One and a half months later; On OCT. 07, 2022, this amount was removed from my account as a 'Returned Cheque.' When I asked regarding the reason for the returned cheque, I was told that the bank draft was unreadable, and then the Scotiabank officer provided me with a scanned copy with a written explanation and stamp. Therefore, I presented my own copy of the bank draft, which is the most readable document I have ever seen in my whole life. ***. When we compared these two documents at the bank, I was just told that "Apparently, this was our clerical and scanner copy mistake; however, we cannot reverse the transaction and are sorry" by the officer at Scotiabank. At the time of writing this email, after ten days of the transaction, the amount still has not been transferred back to its original account. Please inform me where this amount is? Obviously, this catastrophic incident caused pecuniary and non-pecuniary damages to my life. How are you planning to compensate for these losses? ***. I do not feel secure within your banking system of Scotiabank anymore. This is a terrible banking experience and intense customer dissatisfaction; therefore, I am planning to withdraw all my investments from Scotiabank. Please, I would like to receive an explanation regarding the case. Regards

Estate account January 2022 - July 2022. I was dealing with my fathers estate. Called the contact centre mid January to start the estate process my making an appt with a branch. I asked if it could be done in a different town then where his account was they said it could. When I got to the branch they said they tried calling me to cancel and I'd be better speaking to the branch he dealt with, they called while I was on my way to the branch. Made an appt with the branch who told me they couldn't help me until we got probate. Made another appt after probate to get the estate account. I tried to make an appt with the same person I had before but he was not answering his emails and his phone was no longer being monitored because he left the job. I made another appt with someone new. They cancelled that appt again 5 minutes before while I was on my way to the branch. They told me they couldn't help me I needed a paper from the estate department. I called the estate department for 6 hours getting cut off multiple times. To find out they don't deal with that piece and I had to go back to the branch and make an appt by calling the contact centre who made me an appt for financial planning. Got to the branch and again could not help me because appt was made incorrectly. Put in a complaint and asked to speak to the Manager. *** called me back had me in that day, it took 20 minutes to complete and he was great. Come time for the mortgage payout from the sale. Made an appt for renewal as the renewal came up 10 days before sale. Told them I was selling and I was told to contact them when we need to finalize. They give me the number for *** for the lawyer submit a payout request 6 times. The portal says pending but the *** says that means rejected. Branch can't help me. Wrong document submitted, wrong mortgage number, no authorization which has been on file since January. Disconnected from mortgage centre 6-10 times. 1.5 hours prior to closing get doc

On December 3rd I purchased concert tickets for ***, thinking it was from the venue's website (as when I searched *** tickets, it brought me to the website ***.***). The tickets were ridiculously overpriced ($595.13 for 2 tickets top row section), I then found the real website, tickets were sold for $183 for 2 tickets. I immediately sent an email to ***.*** to cancel the tickets (As the confirmation page said 100% money back guarantee. I then called Scotiabank *** to have the charges stopped before going through. Scotiabank *** said the purchase hadn't gone through and they'd have to wait before it went through to do anything. They said for me to call the dispute center to fix the issue. I called the dispute line on December 4th. I sent screenshots of the email stating the money back guarantee. I was told it could take a long time to have this resolved. To avoid the hassle and stress, my friend offered to buy them. I wrote to Scotiabank to let them know this. However on December 16th I received a phone call from Scotiabank ***. The agent stated that the dispute had been resolved and the money had already been returned back to our account on December 6th. I let my friend know that the tickets were no longer available. Yet on January 12th, I received a phone call from a Scotiabank agent stating that Scotiabank had put the money back onto the ***. I was told that *** was refusing to refund the money and that Scotiabank had only loaned us the money. I was very frustrated as I was told the dispute was resolved. And there was no room left on the *** after Christmas. I wrote the agent stating I was not satisfied as the website clearly states 100% money back guarantee. There was no clear stipulation to this guarantee. And that it was misleading ***. The company displayed misleading advertising and grossly inflated pricing. we are now in collections because of this issue.

On 05 January , I entered into an Internet sales contract with *** for flights purchased through *** totalling $1,711.36. On 20 April , all above flights were cancelled due to Covid-19. Therefore, the services contracted were not delivered on the dates specified in the agreement. On 08 January , I sent a cancellation of contract to *** requesting a full and complete refund. On 21 January , *** refused to provide a full and complete refund. On 29 January , I sent a notice of dispute to Scotiabank *** requesting the reversal of credit card charges for a cancelled internet sales contract. On 12 May , I sent a notice of disputed debt to Scotiabank *** after two billing cycles passed since I sent my notice of dispute. (As such, Scotiabank *** failed to comply with its legal obligations to reverse credit card charges along with any associated interest.) On 12 May , I clawed back the disputed amount of $1,711.36 from Scotiabank *** via a cash advance to my Scotiabank Preferred Package chequing account. Since then, I have received no refunds or billing adjustments from Scotiabank ***, and I've accrued $195.52 in interest charges. Meanwhile, an additional $113.72 has been withdrawn from my Scotiabank Preferred Package chequing account in what is being referred to as a "Payment Recovery" in order to "help bring my account back to good standing" in two separate letters from ***. Evidently, my credit score has also been affected, falling 100 points from 803 in May to 703 in October . I am requesting the following resolutions: 1. The disputed amount of $1,711.36 be credited back to my Scotiabank *** account 2. The accumulated interest of $195.52 be credited back to my Scotiabank *** account 3. The "payment recovery" amount of $113.72 be credited back to my Scotiabank Preferred Package chequing account 4. My credit score be re-adjusted 5. To no longer receive notices from collection agencies

I have a Scotia Plan Loan for my truck. They take automatic payments for the loan out of my account every Friday. On Sept.3, '21, they were supposed to take a loan payment but didn't. The funds were there and I have bank statements to prove it. No NSF fee's occurred. (So now this is counted as a missed pay't even though it's not my fault they didn't take the funds) Friday Sept. 10 - payment came out fine. On Mon. Sept. 13, they tried to take 2 pay'ts out of my account. Monday is not a pay't due date. Now I have an NSF fee to deal with. Sept 17 & 24th Pay'ts went through fine. I call them to discuss the issue, & speak with an agent named ***. I was told I was behind 2 pay'ts. After an hour long confusing & frustrating conversation...I make arrangements to have 2 pay'ts come out on Oct.8. On Oct.8, they take 1 pay't instead of 2. On Tues. Oct.26 - they try to take out a payment again, resulting in yet another NSF fee. On Oct.27, I call and speak to ***. I give them permission to allow my girlfriend to speak on my behalf because at this point I am becoming very frustrated with the situation. We had the call on speaker phone so we could both hear the facts. We stated everything that had took place and offered to send copies of my bank statements showing they never took a payment on Sept 3rd even though the funds were there. The agent stated that they did in fact try to take a payment but the funds weren't there. We ask to speak with a supervisor, and was denied. The agent was confusing, and misinformed. At one point he said I was only 1 pay't behind, then shortly after was saying I was 3 behind. After over an hour we determine that I am 1 pay't behind, and so we set the date for Fri. Nov.5 to make the Sept 3 missed pay't. At this point the agent states that I will be required to make 4 pay'ts on Nov.5, which makes no sense, because no other pay'ts were missed, & I am only behind 1 pay't. behind because of them. This company is horrible to deal with!

On August 11 to 12, my Scotiabank bank accounts were hacked for $400. Upon speaking with Scotiabank on the Friday, the customer service agent said my account was placed on hold, they would investigate, and I would have to go to any branch in my city to get my new bank card. The customer service agent said they as well put a stop to an email transfer to an *** in Toronto for $264 which was the amount of my savings account, and they added an additional $200 in my account. The customer service agent said on the Friday, that she put a note on the account requiring me to bring two pieces of identification to show at Scotiabank to the one downtown St. Catharines on *** as well my home branch on the north end of town in the ***. Well as, my money was going in and out, I just paid my cellphone bill on the Friday when I had no access to my account. The night before that alerts from the bank were going off on my phone but I was when I woke in the morning, I noticed an additional $200 was put in my account and then $156 was withdrawn to paid to ***. I explained to her, moved to the west end of town closer to downtown and that would be the branch I would be going to get my new bank card. I did not have time until this week Tuesday August 16th to go to the branch downtown St. Catharines. When speaking the bank teller customer service agent, I explained to her what was going on, then after about 10 minutes in the bank she explained to me that I would have to go to my home branch because of the issue. I said to her then why would the customer service agent over the phone tell me it did not matter. They could not help me. I have tried calling my home branch and all it does is redirect me to the call center where they can't help. I have not had time to go to my home branch ***. As of today, Scotiabank, withdrawn out $200 out of my account but credited the $200 on Friday and the one on the Thursday.

On January 25 I received an email from Scotiabank notifying my of a settlement offer on my line of credit. I called the bank to make sure that the offer was legitimate and not a scam. I was informed that it was indeed real, but to make any changes to the account, (all I wanted to do was pay off the line of credit and close the account in accordance with the settlement offer) I needed my cosigner's approval. The cosigner *** has passed away. So I needed to provide a copy of the death certificate. I provided the required document, made the payment requested to close the account and called the bank to confirm the payment and account closure. At that time, they said it may take a few days to process, but I didn't need to do anything further. A month later, I started receiving calls that my account had overdue payments. Since that time, I have called the bank EVERY week trying to get this sorted. Every time I call I am told that a Manager will return my call in 3-5 business days. 5 months later, I still haven't received that call. The last rep I spoke to last week, informed me that I never should have received the settlement offer in the first place because I don't even qualify for the offer, and that their software system sends the letters randomly. In November my credit score was ***, now, it's ***. ***. I just got off the phone with Scotiabank AGAIN because last Tuesday, I was told that I would once again receive a call from a Manager, and still haven't gotten the call. I got the same response today. "I have notified a Manager and you should receive a call in the next 3-5 business days" I am EXTREMELY frustrated, am a *** that works 2 part-time jobs and now I have to find a place to live on top of everything else. I just want my credit score back and Scotiabank gone

In early Nov.2020, I received an email with an CALOB form that I completed and sent within hours. After tremendous follow up and several attempts, the form was finally corrected and sent. On Feb 5th, 2021, I received an email indicating stocks in my account were sold. Shocked and assuming fraud I immediately phoned ***. After non-stop hours of waiting on the phone from 10.05 am,I connected with a representative after 2.30 pm. The stocks were sold without my prior knowledge, followed by an email to me! *** had done it to cover the 15% additional withholding tax because of the same Calob form. Disappointed I argued it should never have happened. I have held the dividend paying stock in this account for over 10 years, always only paying 15% non-resident withholding tax, never 30% as my corporation is and has always been Canadian. He said he would help me re-purchase the stocks, but couldn't because I didn't have cash in the account (even though the account value was substantial). He got the approval for me to re-purchase on Monday, which I did. Repeated requests where I have spent more than 2 hours on the phone each time, have resulted in a few items being sorted out and verbal promises that the 15% excess withholding tax will be returned to the account. In the first week in March, I put in a complaint to the Scotia Ombudsman after the local Branch Manager (who had initially intervened with no success) suggested I would get results through this method. They have also "restricted" my account. No reason nor answer yet. Cash transfers are not permitted online on my account and small cash transfers through a representative takes a week or more to complete! Do they have a right to do this'? I have spent an inordinate amount of time ***. To say I am disappointed and frustrated with the lack of service is an understatement. A courtesy call from *** initially would be the least they should have done for a "Platinum" client holding an account with them for over 10 years.

THEY WILL NOT SUPPORT YOU AND THEY WILL KEEP YOUR MONEY HOSTAGE. My account has been suspended, and they have not fixed it for 2 months now. It is ridiculous. Noone cares. They absolutely do not care about their clients. Over 5 emails have gone unanswered (other than the system generated reply that they received it) and it is impossible to reach them on the phone (3 hour wait and then line goes dead). This does not happen with ***. They actually care about their costumer and at least answer their emails. I have been locked out of my account for 2 months, and have not been able to do any trading. It is a joke, because they would be making money with the This is the email I sent on March, 1 to iTrade service, office of the president as well as the ombudsman. iTrade service and office of the president did reply with their usual system generated email, while the ombudsman did not even respond. This is is a horrible company. Email follows: To whom it may concern (even though it seems like no one is actually concerned about my issue because it has been 6 weeks, 3 departments contacted and now the ombudsman, and nothing seems to be resolved). I have been locked out of online access from my account for 6 weeks now, and this is truly unacceptable. I cannot see what my gains are, and am probably going to lose money because of your incompetence. Messages sent through the secure portal on my online account went unanswered (still unanswered and they have been sent 6 weeks ago) The associate on the phone said that this matter will be resolved in 3 business days (that was 4 weeks ago). ***@scotiaitrade has not replied to my message sent on Feb 11, 2021 even though they guarantee they will take care of issues in 5 business days. President's office assured me last Tuesday that someone will be contacting me directly. 4 business days have passed and no emails nor phone calls from anyone. This is the worse service I have ever received from any institution. This is a disgrace, and I am not sure how you can treat a long-time customer like this. Seems like it might be time to take my business elsewhere, and trust me, no one will be hearing anything good from me regarding Scotiabank service.

I need IMMEDIATE ATTENTION on a *** card overdue case and the bank owe me $389. This problem was caused by mistakes made by Scotiabank right from the beginning and all the way till now. I could not believe Scotiabank, a federal regulated financial institution, could make so many mistakes to one simple case. I hold NO responsibility for anything at all however I am the individual to suffer from all mistakes Scotiabank made. Firstly, the merchant made two refunds on an expired *** card. It was a supplementary card so the name is different on the statement. It was wrong that the transactions went through successfully. Scotiabank was supposed to transfer the refund back to my other active accounts but it didn't until I called *** card Dispute. Then tons of messes started from there. I didn't get the refund but on the other hand they double the refund amount as an overdue. I spent hundreds of hours contacting different departments. I wrote to the President too but I did not get any reply at all, instead Collection Department kept calling me for the outstanding balance. I feel very frustrated and distressed. Dec 2019: *** Card Closure Feb 2020: *** Card with zero balance 30Mar 2020: Merchant Port *** cancelled the course planned due to COVID19 30Mar 2020: Merchant Port *** claimed that the course fee refund of total CAD 185.50 was made in 2 transactions to *** W *** XXXX XXXX XXXX XXXX. On 30Mar20 CAD 148 with Transaction # XXXXX Invoice# *** (Time 30-Mar-2020 08:16:00) On 01Apr20 CAD 37.5 with Transaction # XXXXX Invoice# *** (Time 01-Apr-2020 10:33:45) ***-July Checked with the merchant on where the refund went since it hadn't been received. They claimed that the refund was made to the *** card on their account record, instead of the original card actually debited (which was a different card). Two refund receipts were attached as proof of payment. The card they used for refund was Scotia *** W *** XXXX XXXX XXXX XXXX. The merchant said *** knew the limitation of the receipts they generated that name or card number could not be shown on the receipts. As a consumer we were not able to trace the fund movement. 26 Aug 20 We called the Scotia bank *** card dispute center on *** to check the refund, at the time the agent was able to find the refund and transferred the refund amount of 185.50 to my Chequing account. 13Nov20 I received a Scotia bank collection note to collect the outstanding balance of 185.50, which was drawn on 26Aug20 as fund advance! 30Nov20 I called the Scotia Customer service on XXXXXXXXXXX again (Confirmation number XXXXXXX), told them what had happened. The agent agreed to reverse the outstanding balance (The 185.50 + any interest and charges) and the results should be available on 03Dec20. On 30Nov20 one more transaction CAD 185.68 was debited from my *** account for unknown reason. It should be a Credit! 03Dec20 I found that my *** card had an outstanding balance of CAD 381! I called the Scotia Customer service on XXXXXXXXXXX again (Confirmation number XXX XXX XXX). An investigation had been filed with an ETA on 08Dec20. 10Dec20 Called card center at 1 *** (Confirmation number XXXXXXXXX), this time the agent said she couldn't find the merchant refund. That was why the card had an outstanding of 185.5 from Aug 20 to Nov 20 and I am asked to repay the outstanding of CAD 185.5 in order to close the case. The DR of CAD 185.68 on 30Nov20 was an error. I was so surprised that they couldn't find the merchant refund which was not mentioned ever since I contacted Scotiabank on 26Aug20. 10Dec20 A total of CAD 185.5 was withdraw from my Basic account and Credit to my *** card account, now I have an outstanding of 194.82. 21***21 The card continue to accrual interest and charge on balance results from incorrect bank operation, a total outstanding of 203.5 as at 21***21.

On or about the 14th day of September 2 I was figuring out our monthly budget and became aware that we would have a cash flow problem on October 1 . So I called to speak with an agent as to what I could do to avoid possible NSF charges. The agent said she had adjusted the payments to biweekly so the next payment of $328.11 would be withdrawn on October2nd to avoid a regular payment of 669.07on October 1st. I spoke to the agent about having our payments deferred all together because I had recently lost one of my part-time jobs due to covid and it was obviously going to affect our ability to pay. I was sure at this time she told me someone would call me but it took up to 30 days to approve and that would not be in time and this is why she suggested changing the payment frequency. On October 2 nothing that I thought would happen happened. I woke up to an nsf I immediately called the bank to see what was the matter and was informed that their policy was before the change in frequency was effective a regular payment needed to be made. So I got an NSF for missing $669.07 and was going to get another one now because I was only prepared to pay $328.11 and I had already paid the other bills. This agent now told me to avoid another nsf fee i should call the bank the funds were being withdrawn from and request they place a stop payment on the account and that she would escalate my concern to a supervisor and someone would get back to me. No one ever did so on November 3rd I called again. I was then told my account was being reviewed for deferral and someone would get back to me but not to worry. I then got a collection letter in December and called again because no one called me back then the Scotia story started to change. The original call that the other agents could see and referenced in their notes , there was no longer a record of. There were some emails with a member of the *** branch and I spoke to that representative again lsat week she directed me to Scotia Help and to try and resolve this ongoing issue NO ONE was trying to deal with. I resumed regular paymnets once I learned they were just being recorded as missed and demanded the bank do an investigation and get back to me. I complained to their presidents department I have voiced my concerns to each and every department and some of their agents agree that because their customer service systems are not interfaced they all can't see what is happening with a particular customer or account. I have asked that the $45 I was charged by *** (the account the funds were withdrawn from be reimbursed) I have asked for their charge of $48 be credited back to our mortgage account and instead they withdrew another 48 dollars without giving me any for warning on December 15. I will be sending a formal request for phone call recordings regarding myself and Scotiabank and all their agents from Sept 20202 to present and will happily forward the information when I receive it. As for my word against theirs all I have are my hand written notes and the proof of my banking transactions that did happen. Last week the agents I spoke to all said to disregard the collection letter i got dated January 5 saying they would take further action. All the agents said not to worry it was just something the computer spit out and they were sure someone would get to the bottom of this and help me sort it out. Today the supervisor I finally got intouch with because I called and followed up said that the collection letter stands and I should pay up now. $1640.55. I was laidoff from another part-time position due to the January covid lockdown again. And smeared in my face at the bottom of this collection letter are the words scotiabanks words, "COVID-19 Financial Relief: If you are experiencing financial difficulties as a result of COVID-19, Scotiabank has some relief options that might be right for you." Our mortgage is up for renewal this June.