r/Scotiabank

I went in to Scotiabank to get my credit limit increased because I use too much of my credit card every month (because my limit is so low, found out i’m still on a student card). I noticed my credit score going down because of this. My advisor chastised me for checking my credit score and said that me checking makes the score go down. I check through the scotiabank app and supposedly it’s not supposed to affect anything?! Is she telling me incorrect information or am I actually negatively affecting my credit score?

I made an appointment for tomorrow where I have to bring my pay stubs and apply for a new card. I’m feeling dejected because I work part time so they don’t look the best. I’m worried that my credit score is going to keep decreasing if i’m not able to get a new card at a higher limit. I always pay off in time and have never been late on my payments. I just need some advice for my appointment tomorrow :(

I am applying for a Scotia STEP and asked the bank rep. to increase the prepayment amount to 20%.from the usual 15%.

She said that can only be done if the rate is slightly higher and is adamant it's not possible at the regular quoted rate.

I've seen people here saying they got 20% prepayment options with no change in rates. How can I get this?

Ever since Tim Clark waddled his way through to Scotia as CIO there has been a massive influx of TD employees swarming Scotiabank. Very questionable hiring practices as they all seem to come from the old bloke's inner circles. Anyone noticing such a trend especially amongst the leadership announcements? Are these TD employees really that good that we need so many of them, why not from other backgrounds and companies?

I have a business account that I haven't used for a while. So, I called the support line number shown in the app to confirm it is active, and after sitting in a queue for about half an hour, someone finally answered.

They asked for my card number right away, which I gave, and then "three digits on the back of the card". I mean, WTF? The ONLY reason someone would want your CVV is to steal your money.

When I said "No", person on the other side insisted that CVV is required for "security authentication" and this is the only way to authorize in a system to get my question resolved (which they apparently didn't even listen). And without the cvv, they'll not speak with me any further. So I ended the call.

Even more ridiculous, when I called the fraud report "hot" line - I was on hold for about 40 mins, and didn't get anyone to talk to at all.
Cherry on top - I've got an email from scotiabank asking "how satisfied you were with our support". I wrote how "satisfied" I am in the feedback form, but I doubt anyone will ever read it.

I could understand when you get a call from scammers pretending to be a bank's staff. Even how they can spoof the number to look legit.

But when I call you, that's just bank staff being scammers.

Now, I am not even sure if I can ever share my account info or authorize through normal means (DOB, secret question, etc.) with Scotia's phone support. And going to the branch in person is the last thing I want to do.

Vent over. Going to check other banks' offers and find one that can answer simple questions securely through the app, and doesn't live in the 15th century.

EDIT: for those who say this is completely normal:

1. Scotia's own site says "don't share that code with anyone"
2. It takes just a good memory to steal people's money without being caught for a support staff. All the criminals would line up for support staff positions at Scotia. If that's how Scotia is set up, the bank should close right away.
3. I called support many times in the past and was never asked for CVV, there are other, proper ways to authenticate. Suddenly, now only CVV works.
4. In general, the whole conversation was rude, pushy, and focused on getting the card number and CVV. Nothing like support staff should behave.

Hi everyone,

I’m a newcomer to Canada on a Work Permit and recently opened a Scotiabank Preferred Package account online to take advantage of the StartRight newcomer offer (12-month fee waiver + cash bonuses).

Today, I went into my local branch to do the mandatory identity verification using my Work Permit and Passport. The advisor updated my profile data (Date of Arrival and Work Permit status) and told me everything was good to go. However, when I asked about the newcomer benefits, she told me that because the account was opened online, she "could not change anything" on her end to explicitly apply the offer or was unaware of the newcomer status.

To double-check, I contacted Scotiabank’s online chat support.

• Chat support told me that my arrival date is there, but the actual StartRight Promotional/Campaign Code is completely missing from my profile. They explicitly told me the branch needs to manually add it.
• The branch manager/advisor insists that because my profile fields are updated, there is no button for them to manually add a code to an online-opened account.

Has any other newcomer opened a Scotia account online and run into this? Does the system actually auto-trigger the StartRight benefits just based on the profile data fields (Arrival Date/WP status), or did my branch advisor miss a manual campaign enrollment step?

Bills straight from the bank no creases or nothing, perfection. But I'm only able to deposit 120 out of 500. I got my brother to deposit the rest from RBC that's been folded to hell and it takes it no problem.

Scotia, I don't mind the two factor requirement every time I log in, but could you please give us more than a minute to enter it?

Scenario one: I am in my basement office doing banking on my desktop. Cell phone is upstairs because it is not welded to my hip (we also have a land line.) By the time I say "Oh f**K" and go get my phone the minute is over. Have to ask for another code.

Scenario two: I am travelling and not in Canada. Phone is on wifi and service is voip because I don't feel like paying $15 a day for roaming - More than once by the time I received the code and attempted to enter it the minute was over.

Has anyone applied for free samsung product offer after opening investment account in scotiabank?