Business Profile

Financial Services

President's Choice Financial

This business is NOT BBB Accredited.

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Complaints

This profile includes complaints for President's Choice Financial's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

99 total complaints in the last 3 years.
42 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:23/06/2025
Type:Sales and Advertising Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
June 20th 2025 spent required amount at specific store with PC **********. Was not given reward points as per PC Optimum loaded offers (20000-30000) points.
It’s not the first time reward points were withheld arbitrarily, contrary to stipulated reward.
Business Response
Date: 23/06/2025
We will reach out as soon as possible to assist.
Initial Complaint
Date:29/04/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I would like to submit a complain against PC Financial ****** **** for charging me interests almost every month with no purpose, although my payments are made on time. I have been with PC Financial for number of years and don't understand why they bill me interest charges every month. Last few months they charged me $6.10 and I only got a credit of $4.32. They still owe me a credit of $1.78. This month they again charged me $27.20. I don't understand why they are billing me interest for nothing. I called their Call Centre and don't know why the call goes to Philippines. **** ***** ********** ******* **** **** *** **** *** ****** ** **** ** ***. I spoke to one the agents and he said I have to pay interest if it's billed. I asked why? He said it's on the bill so I have to pay. I told him I pay all my bills on time so why there is interest charges? ** **** * ** ****** ** *** *** * * **** ** **** **** ** **** *** ******** *******. I cannot reach the PC Financial Call Centre here in Canada to get this issue fixed so decided to get help from Better Business Bureau. Please look into this issue very seriously as why I am billed almost every month the interest charges, what is the reason? Every month I pay my bills in full and on time so why there is an interest charge? ** ** ********* ****** ** ********* ** *** ******** **** ** ***** ** ** ********** ** ****** ** **** **** **** ** *** ******* I am there customer and always do my shopping at ***** ****** using my PC Card. The way they treat is not a good customer service. **** ** **** ***. I request BBB to please look into my complaint and pass me a total credit of $28.98 for the interests charged to my account for nothing. Thank you.
Business Response
Date: 29/04/2025
We will reach out.
Customer Answer
Date: 29/04/2025

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and now the merchant is reviewing it. I have attached the merchant's reply.

Thank you.

Sincerely,

******** *****
Initial Complaint
Date:23/07/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On June 28th, PC Financial made a pre-authorized payment on my ********** for an amount $900 greater than what I owe on the card. I have tried contacting their customer support multiple times, but have been repeatedly told that they "cannot do anything about it". I have spoken to an agent named "******" who offered absolutely no resolution.

I am asking that the BBB contact PC Financial to return the amount $913 that the system over-calculated during the withdraw. **** *** ****** ** ********* * **** ** ******** ************ ** ****** **** **** **** ********
Business Response
Date: 26/07/2024
We will reach out to the customer.
Initial Complaint
Date:20/06/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
In the past 2 weeks I have had PC Financial take money from my bank account that they cannot explain to me. I had an e-transfer sent for 60 dollars yesterday that just never went in my account. **** *** **** ****** ******** *** ***** **** ********* *** **** I got a refund for a game that I bought that never showed up in my account either. *** ******** **** **** ***** ****** *** ******* **** ** *********** ***.
Business Response
Date: 02/07/2024
We will reach out to the ch to assist.
Initial Complaint
Date:17/06/2024
Type:Service or Repair Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am writing to file a complaint against President's Choice Financial ****** **** regarding a persistent and unauthorized issue with my credit report. Despite my efforts to resolve this matter, I have been unable to achieve a permanent solution.

The issue began when I noticed that a President's Choice Financial ****** **** account, which I have never owned or applied for, started appearing on my credit report. I have disputed this entry directly with ********** on two separate occasions, and each time, the entry was removed. However, the President's Choice Financial ****** **** continues to reappear almost every month.

To further complicate matters, I have added a "Potential Fraud Victim" remark on my credit file to alert creditors of possible identity theft. Additionally, I have contacted President's Choice Financial directly, and they confirmed that there is no card issued under my name.

Despite these measures, the erroneous entry persists, causing unnecessary stress and adversely affecting my credit score. I am deeply concerned about the ongoing negative impact this is having on my financial standing and the potential long-term consequences if this issue is not resolved.

I kindly request the Better Business Bureau's intervention to address and permanently rectify this situation. Specifically, I am seeking your assistance in:

Investigating why the President's Choice Financial ****** **** account continues to reappear on my credit report.
Facilitating a permanent removal of this incorrect entry from my credit report.
Ensuring that such inaccuracies do not recur in the future.
Your help in this matter would be greatly appreciated, as it would restore accuracy to my credit report *** ********* *** ***** ****** **** ***** *** ****** ** ***
Business Response
Date: 02/07/2024
We will reach out to the customer to address their concerns.

Customer Answer
Date: 03/07/2024

Complaint: ********

I am rejecting this response because:
I did receive a call from the PC Financial team and they said that they will look into it and let me know.

Sincerely,

******* *********** *******
Business Response
Date: 10/07/2024
We will reach out to address the customers concerns
Customer Answer
Date: 15/07/2024

Complaint: ********

I am rejecting this response because:
They only reached out once via call by someone named ****. After that, they sent an email on July 3rd and after that nothing.

Sincerely,

******* *********** *******
Business Response
Date: 23/08/2024
We have spoken with the consumer and the issue has been resolved
Customer Answer
Date: 23/08/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Thank you so muchhhhhh.

Sincerely,

******* *********** *******
Initial Complaint
Date:13/06/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
*** ** ****** ******* *** I transferred a large portion of my income to one of my accounts with PC financial it turns out apparently that account was closed even though it still showed up on my dashboard it said that the money was in the account and when I tried to move it from said account I kept getting error messages so I called the customer service number and they said I would be able to transfer it out with their help so I followed the instructions I was given the money transferred out but I still haven't received any of it in my account now when I try to call them they don't answer and the call just ends with a dial tone before I'm hung up on this first happened last Tuesday and I haven't been able to get ahold of them ***** *** ******* ** * *** ****** ********* ** ** ****** ******* ** **** *** *** **** ** ** **** It originally was $210 that I lost but now they put on some fees on my account and I believe a couple NSF fees aswell.
Business Response
Date: 13/06/2024
We will reach out to assist.

********
Initial Complaint
Date:21/12/2023
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Pc financial led me on to believe they were going to help me and recieve my funds as there are major health concerns and i cant access my funds in my account. They also just closed my account without even trying to contact me first! I literally was just about to pay for my groceries when i seen that i was restricted for whatever reason. I have no money and its almost christmas. Not to mention i NEED FORMULA, DIAPERS, FOOD FOR MY HOUSE.
I have been patient enough to I understand that there is a process when it comes to things but I have expired and
used any resources that I could think of and reached out to whoever to get help because every day they tell me or somebody tells me they're
gonna call me back and they will let me know what's going on but no one calls me and every single day I call to contact somebody whether it's
once a day 3 times a day sometimes I don't even know how many times I've left messages for the CEO the President of PC financial and they've told me many different things But with promises that I could open up another bank account with pc financial and Get my funds deposited into my new account Nothing has happened yet *** **** ****** ********* *** * **** ** ***** *** ***** * **** ** ******* * **** ** ******* * **** **
********* * **** ** ******** I have nothing It don't seem to care that it's been well over a week and a 1/2 almost 2 weeks pretty much and I've
been calling them begging them telling them that this is an emergency and it just tell me it'll take 30 business days but first they told me it would take 7 to 10 business days then it changed to 10 to 20 and now it's 30 business days s* *** ***** ** ****** *** ****** *** *** **** **
** *** ****** *** ******* *** *** ***** ** **** **** ***** *** *** **** ***** ** **** ***** *** ** ********* *** ***** ** ***** **** * **** *
***** *** **** **** **** *** **** **** ** * ****** ********* *** *** *** ******* ***** *** ********** ****** *** ***** *** ********** ********
**** * **** ** *** **** ** **** *** * ***** These people have gotten my hopes app in helping me and just to be told all the sudden that I have to wait 30 businesses now I could have at least tried to open app another account to a hopefully get my direct deposits sent there but it would have been too late anyways but at least it would have been worth a try rather than have my direct applause it's going to an account that is magically closed and I can't even access it had they told me this from the beginning I wouldn't have waited and called every single day because I've been led on
Business Response
Date: 21/12/2023
We will reach out to the ch to address their concerns.
Initial Complaint
Date:19/12/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
My son and I booked at the ******* *** for a period of two weeks, a few days before we checked out I logged into my bank account to see how much money I had - upon checking I was shocked to see a negative balance on my account of -$273.82... when I saw this I immediately called the customer service line to see what was going on and I was told there was nothing owing on the account and I should not worry about it. As the person that I am I decided it was good to just have the amount in my account just in case so I transferred the money to cover my account. The balance went back to $0.00 for a few days and same thing happened again - I have talked to a lot of agents who all refused to get a supervisor on the line to be able to resolve the whole situation. ** * *** ******* * *** ******* ** ** ********* ** ****** ****** ************* **** ******** ********* ************ ** **** *** **** ***** **** *** ******** ****. The last manager or supervisor I spoke with her name is Wendy - she mentioned she was going to get a manager to call me to resolve the issue ** ** ****** *** ***** ******** - PC financial did not only stop there but has refused to resolve this issue but have the guts to put me in collections *** ****** **. I deserve a clear response from the company - ******* *** also issued a refund back which I have not seen till to this day which PC financial is holding back - **** **** **** **** ** ** *** ** **** *** * ** ****** ********** ** *** ***** ********** I have given them enough time to come back to me with a resolution but they have failed.
Business Response
Date: 19/12/2023
We will reach out and assist.

Customer Answer
Date: 20/12/2023

Complaint: ********

I am rejecting this response because PC Financial always says they will reach out and resolve this issue but has not reached out. I appeal to the better business bureau to reach out to PC Financial and have them reach a resolution as soon as possible. * ** ***** ** **** ***** ********* ** *** *** ***** *********

Sincerely,

******** **********
Business Response
Date: 20/12/2023
We have attempted to reach The customer at the phone number on file December 19th 2023 and left a voicemail. We also attempted to call twice today December 20th 2023 and left voicemails. We have also sent the customer an email December 20th 2023 advising our attempts. Another call attempt will be made tomorrow.
Initial Complaint
Date:14/12/2023
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
on Dec 2nd, received email from PC mastercard offer upgrade card for more points, i clicked upgrade but later went back to the email scroll down to realize the card charge $120 annual fee, I email their customer service right away, also call them the same day asking to cancel card, i’d been talking to at least 7 different people, i said not just i did not get the card, i also see they already charge me $120 on my existing credit card, they keep giving me excuse it’s an online card, they cannot cancel unless I receive the card, then downgrade it !!
they keep asking me to wait, I said if the card is lost in mail, you have to cancel the card anyway, I file the complaint because I did not get the card, and they refuse to cancel the card and reverse the charge even though I do not want the service and I am not using the service. Everything is just in limbo.
All they did is email me said they received my complaint under reference number ********
Business Response
Date: 15/12/2023
We will reach out to the customer and assit
Customer Answer
Date: 15/12/2023

Complaint: ********

I am rejecting this response because:
i have not yet talk to anyone from PC financial, today is Friday 15, I still didn’t get the card to process downgrade, the $120 is on my existing credit card, someone left message, every time I call back, it’s just voice mail to leave message, a game of phone tag, the 2nd message i left said I couldn’t answer my phone leave a detail message on whether the card is and will cancel and the charge is or will refund

Sincerely,

*** ******
Business Response
Date: 10/01/2024
Customer was contact through email and asisted
Customer Answer
Date: 10/01/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

*** ******
Initial Complaint
Date:27/11/2023
Type:Product Issues
Status:
UnresolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I made a purchase on ****** Nov 16, it was canceled. My card ending in **** was charged, Nov 19 pcfinancial informed me that a credit was going to be deposited. No credit PC keeps giving me the run around. Asked to speak to supervisor still waiting front Nov 17. Contacted ****** they told me that my account should have been credited.
Business Response
Date: 27/11/2023
Hello,
I do apologize about the frustration this has caused, I will forward off a request to have a supervisor from our dispute department to follow up and contact the cardholder to further assist.
Thank you
Customer Answer
Date: 27/11/2023

Complaint: ********

I am rejecting this response because:I was promised that a supervisor would call me on Nov 17 and again on Nov 20 and again today. Not once in 10 days has a supervisor attempted to resolve this. Also I was told today when I spoke to PC Financial that a supervisor of the disputes was to call me back before days end when all my transactions were reviewed. Again no response from PC financial.

Sincerely,

****** *******

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President's Choice Financial is NOT a BBB Accredited Business.