Review Time
How do I even start? I traded in my iPhone and even though I had done all their steps to remove the two factor from the iPhone when I got my new one, I go to login, and it says oh you have to verify on your iPhone you just traded in which I can’t have access to… and I try and do the two factor reset but it didn’t work and I spent one month. I’m not kidding you one month trying to get into my accounts.
I emailed over 50 branch managers 48 of them had out of the office inbox, not monitored auto replies.
Basically all the employees were trying to not deal with me and I can’t call a branch directly and my personal finance representative of 12 years wouldn’t reply to emails and she normally is good but just maybe on vacation but there’s no vacation responder.
When I finally got through to someone at a branch by using AI to gather all people’s phone numbers with their extensions and emails. I finally got through to one person at my own branch (can’t call branch directly, you can only call Rajeet in Mumbai call center), and they said oh have you tried calling the Scotia one 800 number (which I tried 6+ hours with no help before trying to reach actual human in Canada).
So in my email to 50 branch managers, I said I tried calling the one 800 number you get people in India or somewhere else they don’t even know what the word 2 Factor even means. They don’t even speak English. They can’t even hear you properly. All you hear is them arguing with other people on their call center it’s literally like a nightmare.
I ended up solving the problem myself. It turns out that the two factor reset website is totally separate from the regular app and banking and that one has some glitch in it where there has to be a space after you put your card number in and it can’t be in the same format as the bank login so if you have your password saved like everyone you have to manually type it in one number after the other.
It’s such a basic glitch and should have a 1 tiny line of code to fix, it’s just obviously that website was programmed in India, and they didn’t even bother to like check like one little error code, and I guarantee I’m not the only one having this problem. You can see it on Reddit. People are like I can’t get my two factor reset.
And in the branch, they can’t help you. They just tell you to call the one 800 number they won’t even like call the one 800 number with you and there is no technical support. Can you believe this a bank that has highly technical complex two factor banking doesn’t have a technical online support team to fix problems.
The other issue I had was when they switched from the old website to the new one. A lot of my information was not transferred over so again they did such a bad job that they didn’t even transfer over my address phone number.
luckily when I was able to get in again, I was able to update that.
I’m not banking with these guys anymore. This is totally sketch. This was just Siri text to speech so ignore it if it looks messy.
The customer service representatives were unhelpful and seemed disinterested in assisting me. I called twice and spoke to different individuals, both of whom were rude and did not provide any useful information. After explaining my issue, one of them simply grunted and asked for my card number, prompting me to hang up. The support team clearly needs better training.
If you have a loan with the company, please be cautious. It's important to monitor your account daily, as you might incur charges multiple times a month, which can be incredibly frustrating! Please spread the word, as the actions of the company are concerning.
The company failed to conduct adequate checks on credit applicants, resulting in credits being granted to fraudsters during the pandemic, leading to substantial financial losses. Their response? They abandoned the situation, leaving innocent individuals to suffer. With such disregard for today's security standards, their negligence contributes to the ongoing issue of fraud.
I had funds in a savings account that I needed to withdraw for bills due to an accident that left me with limited mobility. The senior financial advisor disregarded my multiple messages, scheduled three appointments, and only reached out after I filed a complaint with a central department. She still managed to miss yet another promised appointment. Throughout this process, she had to consult with the branch manager, who refused to communicate with customers. THIS EXPERIENCE WAS AT A LOCAL BRANCH.
I am writing to formally address a significant issue with the handling of my credit card. Recently, my card was blocked after a purchase. When I called to verify and unblock it, the representative insisted I disclose personal details about my purchase, which felt inappropriate. I verified my identity and transaction details, yet the representative refused to assist without further personal information. I was told to visit a branch with ID despite having already verified over the phone. This caused considerable inconvenience and embarrassment, wasting nearly 40 minutes. I would like the company to review this incident, confirm that such personal details won't be required in the future, offer an apology, and ensure staff are trained in proper procedures.
I waited a month for my mortgage refinancing papers to be reviewed, but they still did not arrive by the deadline. I had to sign with another bank instead. The process was bogged down by excessive bureaucracy and conditions for what should be a routine refinancing.
I've been a customer for a while, but the experience has become more frustrating than helpful. Recently, my deposit was unexpectedly held, and I received different explanations each time I called. It took days to get a clear answer. Customer service was also lacking, with long wait times and constant transfers, leaving me with excuses rather than solutions. While daily banking is fine, getting support is slow and complicated. For a major bank, I expected much more; currently, it's a 2-star experience at best.
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The Bank of Nova Scotia, operating as Scotiabank, is a Canadian multinational bank.
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