🚀 go-pugleaf

Huggy when you don't have any money it really does not matter.
* Huggy * wrote in message <368260c9.4386342@news.sprint.ca>...
>
>Hello.
>
>From the discussions I heard about ongoing incidents at Scotia Bank
>and CIBC, I decided to do deal with them and see what happened (I used
>to deal with CIBC so there you go... this time... Scotia).
>
>Indeed... I find that Scotiabank is NOT treating the customers well.
>Either employees are poorly trained or Scotia Bank is disorganized as
>a whole.
>
>
>Here are my stories:
>
>1)  The branch staffs and personnels for customer services on the
>phone (national wide) do NOT know what they are talking about.   For
>instance, I wanted to have a passbook on the student account and the
>brochures describe that student account has an option of either
>passbook or statement.   The person who opened up my account insisted
>that I could not have a passbook and the brochures contained errors.
>I called the national wide (?) Scotiabank customer service [the number
>which you could obtain from the web site] and see what they would say.
>They told me I could have passbook.   Next day, I went to visit the
>branch again and the customer service representatives told me that I
>could only have a statement account and they called the same number
>that I called.. "At the branch level... there is a mistake in the
>brochure..."  "he could only have a statement..."    Anyways, I had to
>switch to a standard plan since I just hated the idea of statement.
>
>2)  When I opened up the account, I ordered the personalized cheque.
>She told me it would take about 2-3 weeks.  2 weeks are gone.   3
>weeks are gone.   A month is gone;   Yet I have NOT received the
>cheques.       What should I do ?   Write a counter nocoded cheque and
>pay service charges to Scotia ?   They should give me a break.
>
>3)  I ordered the mutual funds.    I, however, did not receive any
>confirmation of transactions at all (a month went by and yet I still
>do not have any confirmations).
>Since I suspected that something was wrong, I phoned the mutual fund
>centre, asked if the transactions went though.    Although she saw
>everything in her computer, she kept questioning silly questions such
>as what transactions I did and which day and so on... and I finally
>confirmed that transcations went through OK for first one... but....
>later ones aren't... story in 4)   [by the way,
>transcations/arrangements are done at the branch... so obviously it's
>not my mistake.]
>
>4)  I arranged to have preauthorized purchases each month for two of
>the mutual funds they have.    Both of us signed the papers and she
>told me everything was going to be taken care of.   The result ?
>Nothing happened so far.     The transactions were to go through on
>20th of this month.   I signed the paper on 7th.  They had about two
>weeks to program in their computer and to verify [although two weeks
>is too much time for them in first place...].    Anyways, nothing
>happened on 20th.   I did not arrange a large amount of money with
>Scotia (I was actually testing and I wanted see if Scotia Bank
>personels handled the situation carefully...   just like I send out
>the test postal mails (registered and non-registered) with visible
>cash inside)    so it wasn't a big problem anyways.   Anyhow, I would
>no longer trust Scotia Bank in the future.
>
>
>5)   This is not as important as above 4 problems but something you
>want to think about.   Scotiabank does NOT arrange 1-800 phone service
>to redeem your mutual funds.  They do, however, arrange so you can
>either purchase or transfer.   They do not want to arrange redemptions
>over the phone because they don't want to lose profits... which are
>charged on the funds in every day basis.   Longer the you have mutual
>funds, longer the profit they make. Simple.
>
>
>Above of all, the available evidences suggest that Scotia Bank is NOT
>doing the job required for the customers.   Making false
>advertisements and agreements are liable upon summary of convictions.
>I saw people trying to sue Scotia Bank in the newsgroups a couple of
>weeks ago... I now hope that they succeed.   If you [who take Scotia
>Bank to court] need any help, you can at least use my story to back up
>your story.    My experience with Scotia Bank is the WORST among banks
>I deal with (TD is the best one... their online banking and online
>mutual fund tradings are superior over all the other banks I
>experience.  There was one small mistake that they made but they found
>it when I spoke to them and they apolozised... also they wouldn't need
>to make address change on everything... like chequing/savings, mutual
>funds, credit cards etc... since their system is "linked"... not like
>this in other major banks.    and interesting thing also is that they
>link credit card to your chequing/savings so you can use automated
>machine with your credit card as a regular ATM card at your request...
>Also TD seems to be the best bank in terms of giving the credit
>standing to their customers...  anyways, they are organized in my
>opinion and they "will do something" if you say something
>reasonable... try dealing with TD if you haven't...     they used to
>be open on Saturdays at all branches and gave $5 if you waited more
>than 5 minutes in line... sadly they wouldn't do these things anymore.
>But if TD decides to do them again.... I am sure it will result in
>explosive increase of number of customers for TD...
>...
>while Scotia Bank always tries to be above the customers... and they
>do not know what they are talking about (it's not acceptable).    I
>will probably close the Scotia account [because of their mistakes
>!!!!!] but I am sure they will charge the fee for account closing
>within certain time from opening of accounts... if they do I must
>admit that they are nothing more than money hungry monsters.
>
>
>
>______________________________________________________________________
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