r/Scotiabank

I know my debit card is connected to my scene card and I could get points, however I was wondering if my credit card could also earn scene points or do I need to connect my scene card to my credit card.

I'll try my best to explain.

In December my car loan ended up to a collection agency following a difficult life situation.

I paid everything owed. It took months for the collection agency to send the papers back to the bank.

Every 2 weeks I would call and explain my situation and I was told they couldn't restart the payment due to the missing papers.

One day I called and hear I owe 800$ again because of all the missing payments I couldn't make.

The gentleman told me they would restart the bi-weekly payments and to pay the 800$ slowly.

However the bank never restarted the payments.

Despite having confirmed everything with them.

And my car loan ended up again in a collection agency.

I called and placed several complaints, as the amount owed was around 1000$, but the new collection agency fees were almost 2,000$ and didn't think it was fair for me to pay those due to the bank not restarting the payment like they said.

I would file a complaint with a CSR on the phone, get an email confirming it, and 2 minutes later a resolution email but, said email didn't contain any information.

Only a vague message and that if I wasn't satisfied I should contact the bank again.

3 complaints, same 2 minutes results without any mention of the results.

So I called Scotia and employees, including supervisors couldn't tell me the results as they didn't have access to it.

I was told a letter would be delivered.

Still nothing to this day.

They also left notes on files to wave the fees and only pay the amount owed to the bank, but when the agency called the bank, the bank said no. Despite having received confirmation from the employees the notes was in the file.

Now, my car is up for repossession because the bank didn't restart the payments as they said, and I owe thousands in fees because the bank doesn't want to follow through with the removal of the collection agency fees.

What can I do now?

I tried escalating the complaint but I'm told it can take 56 days and I don't have that time.

Thank you for your help.

Hi! I noticed only today that my credit card had seen through two purchases for $200+ yesterday, and I was wondering how likely would my dispute be accepted.

I don't know how in the world I didn't notice. Had I not thought to pay for my pending purchases (one from Amazon and another an in-app), I would've probably just not have known. Working 8 hours in fast-food does that to you I guess.

The fraud was an online purchase in pesos to some website I've never heard of, but some googling described it as a fashion store in Columbia. I'm completely baffled at how this happened in the first place, because I don't think I've ever clicked any random email. Hacking, perhaps? My phone did receive Scotia Bank's Fraud Alert, but I have this terrible habit of having my phone silenced. Not having it on DND makes me anxious because of all the notifications from family group chats.

My sister’s bank account CIBC, can now I don’t know since when they can have an Auto deposit E Transfer with her number phone. I wish Scotia authorized this new update cause even my father’s bank account National Bank could do this. It will be better if we can received money with our mobile phone instead of adresse emails. Don’t you think? Do you think Scotiabank will do the same thing than couples bank Canadian bank account or y’all think it will never happen?

Hi guys, I understand that background check varies by role and have experienced in the past too.

I was at a bank previously, and when I was hired there as Director, I only went through criminal and credit check. No education or past employment check. However, at other banks, I went through all checks including employment.

I am expecting an offer from ScotiaBank in Wealth AI team. Can someone share what kind of checks will I go through? More importantly, does anyone know if there are any additional internal checks that happen beyond regular Sterling checks?

Thanks in advance.

if you downgrade your card will you still get new card benefits scotiabank

Not sure what has changed, maybe an update i didn't read properly but in the past anytime a bill would try to pull out of my account and I didn't have the money id have until like 11am or noon to make sure it was in there to avoid it bouncing of an NSF. Well the last couple months it no longer does that and even if i transfer from my savings to chequing before 9am it still bounces -_-

Anyone else?

How is the app, mobile banking, certain accounts etc “not available” 7 days per week? I have no access to my money more often than not. I have had enough of the incompetence and I’ll be switching banks before the end of the month. Enough is enough.

Can’t sign in this morning. Says : “Something went wrong. Try that again.” Is it down or is it just me?

I read about a scam that uses NFC today. Here are the details: NFC (Near Field Communication) is wireless technology that allows devices such as smartphones, payment cards, and payment terminals to communicate when they’re very close together. So, instead of stealing your physical bank card, the attackers capture NFC activity on an infected mobile phone and relay it in real time to a criminal-controlled device held against a contactless payment terminal, or an ATM that supports contactless cash withdrawals.

I tried to go to my bank's website to turn off tap (contactless payment), but it cannot be turned off. They suggested locking my card between uses, using an RFID case, or requesting a replacement card with no tap, but availability of those varies. You used to be able to turn off tap on your debit card. Why would the banks change that? It's certainly an added security feature if a PIN is required. Not that I think it will make any difference, but I am going to write to them about it.

Anyone else having issues accessing their savings account, again? I'm so sick and tired of not being able to access my money when I want and can only spend in a control time limit.

I've been with Scotia for over 12 years but this week I'm leaving it. I'm sick of having the app constantly down, no access to transfers to or from savings. AND you never get an answer as to WHY it's down. Just "routine maintenance" or "we're having trouble displaying some of your accounts".

I'm honestly surprised a class action hasn't started against them.

Also don't get me started on their commercials they've been pushing recently "saving you money" yeah cause we can't access our money to spend it on basic things like bills and groceries.

EDIT: Just saw on their x page it's "planned maintenance" and will be down from 7am-7pm today. All day!!!!!!

kept getting transferred for NO reason and being put on hold for 30+ minutes every single time. idiots. i’m done doing business with them for good.

Sadly confirmed, effective Oct 22, Scotiabank’s cash back credit card suites (Momentum VISA, Momentum VISA Infinite, Momentum No-Fee VISA, and Momentum for Business VISA) no longer includes recurring rental and tax bill payments via Chexy and CASA

Edit: this is provided by my brother who works in Scotiabank. They received internal news as of today Aug 14. Feel free to check with your local Scotiabank Financial Advisor

I can’t login

Edit: I hate this place

I have Scotiabank High Interest Savings Account for 4.30% interest rate ending in August 31. I called the Scotiabank contact centre last month and the agent told me that she can extend the high interest savings offer until September 31.

So I called the same number again yesterday to fully confirm, and this different person told me that there is nothing in my file for the offer extension and employees can't provide those offer since they don't have any 'right' to do it.

Are there any action(s) I can take for the employee giving me a falsified information? Pretty sure Scotiabank has a record of exactly when I called and who I spoke to (or they may even have recorded the call). This is absurd how some call centre agents make something up just to make clients happy and gives absolutely wrong info. I waited an hour on the phone this morning to talk to supervisor/manager and agent just hung up on me....

Noticed Scotia is now coding YouTube subscription as entertainment and no longer a subscription. Also ttc top ups used to count as recurring but now they’re listed as 2%. Anyone aware of specific changes made to the card in the last month? Or is it just me