• PC Financial

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Overview

PC Financial has a rating of 1.6 stars from 10 reviews, indicating that most customers are generally dissatisfied with their purchases. Reviewers complaining about PC Financial most frequently mention customer service problems. PC Financial ranks 41st among Credit Cards sites.

  • Service
    7
  • Value
    5
  • Quality
    5
Positive reviews (last 12 months): 0%
Positive
0
Neutral
0
Negative
4
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How would you rate PC Financial?
Top Positive Review

“Very happy with their MasterCard”

Marto J.
1/28/19

Really happy with the MasterCard. Its used all around the world and works flawlessly. The support is amazing and always ready to help. Collected points could be used for groceries and I believe for travel too. But I am using them for groceries.

Top Critical Review

“Holding funds from pending transaction”

BONNIE D.
7/13/21

Worst nightmare money account! I had made a purchase through PayPal home Depot, I had a duplicate charge 1 went through and the other has been sitting in pending status for 8 business days now, each time I phone I get a different answer not to include the customer service is very terrible, I regret signing up for the PC FINANCIAL money account.

Reviews (10)

Rating

Timeframe

Other

Thumbnail of user bonnied226
1 review
3 helpful votes
July 13th, 2021

Worst nightmare money account! I had made a purchase through PayPal home Depot, I had a duplicate charge 1 went through and the other has been sitting in pending status for 8 business days now, each time I phone I get a different answer not to include the customer service is very terrible, I regret signing up for the PC FINANCIAL money account.

Tip for consumers:
DO NOT USE THIS SERVICE

Products used:
PC MONEY ACCOUNT

Service
Value
Quality
Thumbnail of user jasonf1219
1 review
0 helpful votes
April 26th, 2023

Received new cards to replace expired cards.

Went through activation system and both the primary and additional cards failed to activate, whether via web or automated phone system.

Took seven calls and three hours to the support center to get the primary card activated.

Additional card also failed activation, costing several more hours on the phone trying to activate, all unsuccessful.

I finally gave up, wasting half a day attempting to accomplish a trivial task with PC financial support, and simply called once again and cancelled the additional card.

What kind of credit card company can't resolve something so basic as activating replacement cards?

Will be closing the account and dumping PC Financial.

Thumbnail of user berlins1
3 reviews
6 helpful votes
August 15th, 2023

I had a bad experience with PC Financial MC when I tried to ask them the dispute the transaction, they were not helpful. They didn't care to resolve the problem that the customer has and the customer service agent talked rudely. I can't believe that they provide such a service like that when I have a problem disputing a transaction. I need the proof for the transaction that I made but the merchant can't give me that. The merchant said that it is not in their system, however, my credit card has been charged. So, I asked PC Financial to dispute it, so the merchant can give the proof of my purchase. Sadly, PC Financial said that it is not something they can dispute. They want me to deal with the merchant. I can say now, bye PC Financial. You are not recommended at all.

Tip for consumers:
I have been using this credit card for over 5 years with good standing, and they didn't even value me as their good customer.

Products used:
PC Financial did not want to provide me with the service for the dispute. They told me to deal with it myself.
Please do not use their credit card as their customer service is not helpful. I don't recommend PC Financial to anybody.

Service
Value
Quality
Thumbnail of user brittanyw532
1 review
2 helpful votes
November 14th, 2022

I'm getting very suspicious of my acct and wished I kept better track of my money. I pay for things and then it sits in pending and then it comes out of my account…again? I rented a movie on Amazon, Amazon Prime accepted my payment and I got to watch the movie. Then 4 days later I have a charge from Amazon but I'm pretty sure the money left my acct the day I paid. Now the "pending" transfer finally posted onto my acct days later and took out the payment days later…it's so confusing. I feel like there could be some double dipping because they never show how much funds you have remaining after every transaction on your e-statement so you can't have a visual of how many times you've been charged. You can't even get the amount you've had in the previous days, you'll have to pull out the calculator and do some math on how much money was in your acct on a certain day. Your app and statement wont help you track your money properly. I'm seriously sitting here dumbfounded on the delay it takes for transactions to be posted and the funds being taken out days later, isn't it taken out on the spot?!?! It's concerning and im moving my truck payments and money to a different bank. This institution has me on edge wondering if the transaction comes out the day of and then days later when it's "posted", funds are being taken out again?!?! Even stupid things like grocery shopping, transactions won't be posted for days.
There's a delay on auto withdrawals coming out, you won't see it nor know if a subscription or payment is coming out till days later because again, their suspicious delay, but it's too late, you'll have an NSF fee, that's how you'll know. Piss poor institution, avoid! I'm going to have to see if they've been double dipping, if you like PC Financial, take screenshots after you've bought something to see if the money was taken out, because days later…more money will be taken out for the same thing!

Service
Value
Quality
Thumbnail of user martoj
16 reviews
54 helpful votes
January 28th, 2019

Really happy with the MasterCard. Its used all around the world and works flawlessly. The support is amazing and always ready to help. Collected points could be used for groceries and I believe for travel too. But I am using them for groceries.

Thumbnail of user markj548
7 reviews
11 helpful votes
May 8th, 2021

Signed up for a PC Financial money account when it is first started. I was trying to fund my money account from another bank. After putting in the transfer request, no pending transaction showed in my PC money account. After waiting 1 business day I checked again, and still no pending transfer. So I put through the transfer request again via my PC money account(3-5 business day hold on all bank to bank transfers). After another business day I checked my PC Financial money account again, and still there was no pending transaction showing on my PC money account. I called customer service and inquired about the transfer. I was informed that there was 2 pending transfers but due to a glitch in there system it was no showing in my account. I then requested one of the 2 transfers please be cancelled as I did not have the funds to cover both. PC Financial did not cancel one of the 2 transfers and I was hit with an insufficient funds penalty fee by my bank. If this was not bad enough a couple of days later I decided to try and fund my PC money account via an Interac e-transfer. This should be instantaneous. My Interac e-transfer however, was held for over 48 hours...

Products used:
PC Financial Money Account

Service
Thumbnail of user mistys270
2 reviews
1 helpful vote
December 15th, 2023

This Company sucks S@&T and stay far away from them. They Jack up interest then blame the customer for going over the limit but in reality it's THEM who took me over my limit at 26.99% interest. They look at people as cash cows and that they're going to make a killing off of interest. I have good credit, a great credit score, never missed a payment and was never late, this is the thanks I get?! Well these losers will be learning real quick I'm always 1 step ahead and will have this paid off in full in no time and they can suck it and choke on it. YOU'VE BEEN WARNED PEOPLE, STAY FAR FAR AWAY! There's many other MUCH better choices! I'm going to be posting this EVERYWHERE PC, this is what you get When you treat people who actually keep paying their card in these times of ridiculous inflation when MANY people are not paying and always late. Consider yourself lucky I can't write what I REALLY want to say!

Thumbnail of user juanitae51
3 reviews
0 helpful votes
September 23rd, 2022

Ok so undedstandablely I opened my account with PC financial because I didnt have fantastic credit at the time and I was working on fixing towards a better rating which I went from a poor to a a enrage in 5 months so did well at establishing myself, mean while the bank was constantly taking hundreds of dollars from me everytime a pay check would go in and wouldn't have an explanation why and then all of a sudden all of these companies were accessing my account taking $40,50 160 dollars at a time so I finally after many phone calls and pointless arguement got a super user that helped me and put a fraud complaint thru and said he put blocks on all the companies so they couldnt access my account I would hear back within 30 business days well I finally after complaining about an entirely new set of issues arising this past week heard back a put the issues back in may and was found not liable but in the mean time 2 companies have continued access to my account accessing hundreds of dollars or causing hundreds in NSF fees the bank is refusing to fix and has no set me also in back negative 849 dollars so took my 400 dollar pay on the 15 of September and I'm still negative 419 dollars in the account and I've been waiting to hear from the executive customer care team who said they were doing the math in my account manually monday its friday and my 13 year old nephew has sat down and did all the math and figure it all out in 35 minutes why haven't they called me back? Because there in the wrong and know they owe me back all that money on the NSF fees plus the 849 and all the money they allowed to leave my account and a huge apology for me almost getting arrested and the 50 dollars I had to borrow to pay a cab driver to not get arrested because there agent said everything was good I could go to the kiosk and take my money out no problem and got the and after fighting and leaving my cab sitting half hour was left to tell them I couldnt pay thank god my roommate lent me the money cause they gave me 24 hours or they were calling the police. This bank has caused me hell I've been left to starve no transportation to work no anle to pay my basics of needs n Bill's because of them. Its been held

Thank god I fixed my credit and finally got a normal bank account again DONT USE PC FINANCIAL IF U DON'T HAVE TO EVER..

Tip for consumers:
If you need a financial institution for very basics of needs I would'nt even suggest using there service I'd rather pay to cash my pay at a money cashing place like cash money

Products used:
Banking, Mastercard

Service
Quality
Thumbnail of user mh1016
1 review
0 helpful votes
September 10th, 2023

Applied. Was approved. Received my card, activated it, used it once and they froze it. Called, was told they needed to verify my identity, I had to send proof of address and photo ID…why this was not done prior to allowing me to use the card is beyond me! Then to top it off, it would take 3-5 days to unfreeze. Told by customer service "the fraud department might call you in an hour, it might be a day or so, I don't know" HORRIBLE ANSWER. You cannot speak to a supervisor or the fraud department. You are left to sit and wait. When they finally called, it was for a second person to NOT unfreeze my card but to waste more of my time. It took 5 days and 4 phone conversations to unfreeze my card…the day after my card is finally useable again, I go to purchase groceries and guess what…they froze my card again! I called again and was told they needed to hang up and call me back to verify it was me…after I answered all the questions with the person when I called….the entire time I am horribly embarrassed in the grocery store with a cart full of groceries…the person calls back and asks me my email address, which I had told him 5 minutes ago while in the phone with him! Then he claims my card is unlocked. It was not, still would not go through. After 30mins of this I paid another way and went home. I then called the fraud department again and was told that person needed to call me back to verify my account…after asking me a bunch of security questions to verify my account…She also did nothing to unlock my card, telling me it's going to take 3 business days to unlock it. So now I have had my card for 2wks, with 8 of those days being frozen. I have been embarrassed multiple times by a declined card, that should not be happening. I was told to make a payment to see if that stops them from freezing my card, I don't even have a bill yet, it's been 2wks since I received the card and only a week since it was even activated…oh and let's not leave out the part where they claim to have no idea why my card keeps getting frozen but claim it could be because it's a new account…NOT promising information for new customers! Don't bother asking to escalate the call to someone who has answers, you'll be told no one is there to take the call. So now, here I am again with a card that is completely useless until someone gets around to calling me to do what, I don't even know at this point. I will not use this card again because it is not fun going through this every time I try to use it. If I can help anyone avoid making the same mistake I did, I hope this is it! I chose this card for the PC points, which would have been great but instead I am left with so much frustration this card is not worth the headache it has been.

Service
Value
Quality
Thumbnail of user wendys66
23 reviews
42 helpful votes
November 7th, 2022

My step father applied for and received a Presidents Choice Master Card in April of this year. As he is a big fan of No Frills this was great. He received no 1st month billing. He called number on the card *******262 for help. This was mid May. "You are not in the system. I will pass this on the Supervisor". He asked where his 100,000 incentive points were. I can not tell you as Your Not in the System. I called at the end of May for his past due statements. NOT IN THE SYSTEM. I will pass this on to my supervisor. AGAIN! In 2 months PC Financial could not find 1 single competent data entry person to put this info in their computer system. Seriously. I would be hiring some new data entry people. Every 2 weeks Dad called in. Every other 2 weeks I called in to The supposed help line *******262. MID JULY a statement arrived. Dad checked it against what he knew. No points. Another call new PC Optimum Card was ordered. No Statement for August. AND Optimum card not added on to PC Mastercard. WTH! You've got to be kidding. Dad spoke with a 'supervisor' T…. Who he put on speaker phone. While not outright rude when points came up her voice turned cold and answers were very short. Dad explained the amount of calls, time on hold, unreturned voicemail messages. She said she would make sure original 100,000 incentive points were added and for inconvenience she would add another 100,000. Dad said thank you end of call. He sent an email re points and inconvenience T called dad and left VM to return her call *******775. When dad got ahold of her she said 'you agreed to this amount of points being given you. One Dad DId Not Agree to anything like that he said thank you. 3 other people listened to that call, which dad had put on speaker. So her attitude was uncalled for. No additional points awarded, no kind of compensation offered so why the call? To let off steam because to many Voicemails left?
You would think this was finally solved. SURPRISE SURPRISE SURPRISE. There were charges on his statement he knew nothing about. From 3rd week in August to November 7 today still 'under investigation'. Dad is so tired of this Crap. He just wants to pay and cut up card. How many other Seniors have they done this to? To date:: Phone calls to PCMC financial
52 Voicemail Messages left 21 (Not 1 answer)
Transfers to 'Another Department' 14. Time on HOLD ready for this 84 hours. I repeat 84 hours. This just from July 21st, 2022. Even a letter to the Ombudsman to seek help was literally brushed aside. He was told between him and PCMC. The PC Financial Complaint Appeals *******377 yielded no solution or assistance. Think you are getting the picture. Dad has been trying since August to get credit for 2 charges from a Sex Store overseas. Told dad to kiss that money goodbye. This morning he made another call to try to get this off his statement. He was transferred 2, twice, ended up in Fraud dept who transferred him yet again to Investigation. You WONT believe this. Still under investigation. I think it is disgraceful a company of this size, that brags about 'family' values treats people in this way. Or is this just reserved for Seniors, majority on a limited pension, and who can't stand up to them re time spent on phone. How many hours on hold the wasted time. Our whole family is now involved. Dad is 82. Yes 82. We will take this on.
And none of us shop Extra Foods or No Frills now. And we tell everyone and anyone about this fiasco.

Tip for consumers:
Seniors please be care Do Not sign up for a PCMC Presidents Choice Mastercard

Products used:
No products Mastercard and optimum issues

Service
Value

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