Scotiabank

I am extremely dissatisfied with Scotiabank. For months, all my local purchases in Jamaica were correctly deducted from my Jamaican Dollar account and all online purchases from my U.S.

account, exactly as I requested.

However, on August 20th, a purchase at Fresh Approach supermarket was wrongly deducted from my U.S. account instead of my Jamaican Dollar account. This has never happened before, even at the same supermarket. When I contacted the Contact Centre, the representative gave me a dismissive explanation that the U.S.

account is primary for both local and international, which makes no sense, if that were true, then all my local transactions should have been deducted from the U.S. account, not just this one.

The purchase was made on Wednesday, August 20th. However, the money was deducted from my U.S. account on Thursday, August 21st.

I am very frustrated and disappointed.

This inconsistency shows that something was changed on my account without my request or consent, and no proper explanation was provided. Your representatives are unhelpful and unknowledgeable, leaving me with no resolution.

Scotiabank has proven unreliable, and I am seriously considering moving my business elsewhere.

I have been with Scotiabank for almost 35 years, including 3 mortgages. Scotiabank client service quality has been declining in the last 10 years to the point of being literally the worst bank in Canada in 2025!

The recent issue I experienced was receiving an unintended email from Scotiabank, and when I attempted to contact Scotiabank customer service, they transferred me 4 times to finally reach their Fraud department, which, after authenticating me, decided to disable my login account and debit card. Almost 2 hours were wasted on the phone with Scotiabank only for them to create more problems as opposed to resolving my inquiry. Their Fraud department agent couldn't speak English clearly, and the background sounded like a duct cleaning scam call center. Scotiabank very likely uses agents in India or similar offshore call centers for customer service and the fraud department.

This is utterly disturbing knowing my SIN number and personal information on file at Scotiabank can be accessed by individuals outside of Canada! I've ultimately decided, given the continuous terrible service with them, to close all my accounts at Scotiabank and sincerely tell them to go *** themselves!

I am so done with this garbage bank - Scotiabank. I truly hope other customers leave this *** institution and hit them where it hurts most - losing customers!

Interac allows banks to set up auto deposit if e-transfers sent to both your mobile phone number and email address.

Sadly, Scotiabank has decided to only all auto deposits of interacts sent to their customers' email - not mobile phone.

There is also no explanation of this fact in there online help - it is silent on their decision. I called customer service and asked that a complaint/ suggestion be filed on my behalf which they did.

Within 1 minute I received a non human AI auto reply email saying that the matter is in line with their policies, and that my case was closed. Really? No way to treat a customer's feedback.

This is brutal - terrible customer service.

Every other major Cdn bank allows this for obvious reasons. But not Scotia.

Scotia, please get your act together, get with the times & be more competitive!

I called to increase my etransfer limit to pay outstanding debt on my rent- they made me go through 45 min of verification and holds just to tell me there's a hold and fraud alert on my account so I can no longer use my account or increase my limit until I go into my home branch with 3 forms of valid ID!!

Not to mention it's a holiday and banks are closed until tomorrow at 9:30 and I have to be in another city for a doctors appointment at 9am - they close at 4pm and I won't be back in town until 5

So I can't get gas, pay for my appointment or anything until Wednesday so now I either have to cancel and wait another 6 months for an appointment or ask to borrow money from someone to get through the day and go on Wednesday!

They couldn't even tell me what the fraud was on my account!! Like how can they shut down my account without even telling me the cause!

I'm withdrawing my money and closing my account tomorrow! This is the worst service I've ever had!

Do not bank with Scotiabank if you can help it!!!

Over several decades, frequent typical experiences have been making me wait almost an hour on hold to be told that they arbitrarily cancelled (instead of putting a temporary security hold) on transactions, making large payments of twice the amount that I had authorized thus emptying my account, taking up to a month to correct their many banking errors, virtually always having to wait at least 15-30 minutes to speak to someone, blatantly lying about the cost of services, etc. ad nauseaum. I've long invested a lot of money, but never with Scotiabank since it's by far the most incompetent and customer-hostile financial institution I've ever dealt with.

Trying to apply for something, they asked for information, I provided. And then they kept asking for the same information over and over and over again.

If they could just check their emails or at least OPEN the documents, they would know that they have it already. Not to mention them being overly picky about the stuff that you send them (for example if you send them something with ONE line cut off, they will ask you to send it again, but that line contains ZERO information and is not relevant at all). They are also so rude and it's like they're more "superior" than you or something.

Literally gives me the feeling that they look down on you. Can't say I've experienced any of this at any other of the three banks I've been to in the past.

The most pathetic customer service youll ever experience they close my account after 29 years as a result of swearing to a customer service representative because they continue to deny me access to my own account saying I wasnt getting the security questions correct when I was I had my app open. Ive had the account for 29 years.

They withdrew money for my account for a bill that was already paid And I demanded that they refund me because as a result I paid twice then I receive a letter in mail saying their closing my account pathetic organization do not go with them.

Theres so many more reasonable banks that are available that wont treat you like this. Its very difficult to communicate with them half the time I cant even understand what the people were saying because they cant articulate their speech.