Royal Bank of Canada (Client Care Centre)

When I pay my employees, the amount to be paid is deducted from my business account (by RBC). When I look at my payment history, it doesn't show anywhere the $2,713.99 that I paid to my employees, so I felt a SERIOUS VIOLATION of TRUST against Royal Bank of Canada and so I (naturally panicked and) called up their phone support.

As it turns out, the support person on the phone says that the cut-off time is 6pm and at that point the amount is "in transaction..." therefore I can no longer access it. At this point my jaw literally dropped, and I asked: "I should have a WRITTEN RECORD of the amount as I see it has been deducted from my business account, yet I don't see the 'balancing number' anywhere."
The support person just kept repeating that the amount is "in transaction." Now I tell him "Let's take *** transactions for example: When a transaction is awarded to a merchant, the amount is written in the 'Authorized Transactions' section till it's posted, but at least the amount has a WRITTEN record... unlike (!) how my payroll amount has absolutely NO WRITTEN RECORD at all (apparently till midnight) when the amount will have been paid to my employees' bank account."

I am telling the support personnel that "I feel a COMPLETE VIOLATION OF MY TRUST towards RBC because there is absolutely NO WRITTEN RECORDS OF THE MISSING AMOUNT" so he *** keeps saying (like a broken record): "I can assure you Sir, that the amount is not lost, but it's 'in transaction' so you should feel safe."

I tell him from a different view point (so maybe he will understand the seriousness of the issue at hand): "Let's say YOU pay someone $2,800 and all you see is that is DEDUCTED from your account, but you can see absolutely NO RECORDS of where the amount is gone, whether it's been paid, or if it's 'in transaction' or nothing at all! Wouldn't you feel your TRUST in the Financial Institution is VIOLATED?"

He is (again) repeating it ***: "Sir, your money is safe, it's not gone, it's just 'in transaction' to your employees."

I couldn't have been more specific to him so I had tried it one final time for him to understand that when a certain amount is not shown at all IN WRITING, i.e. it's not shown as a 'balancing amount' on the books (so to say), then the amount is missing and the Customer (obviously) is panicking and FEELING VIOLATED and asks where the money is, as the only way we are able to monitor our funds is through WRITTEN RECORDS, so (as it looks like) Royal Bank of Canada has VIOLATED MY TRUST by not disclosing (at all times) where ALL my money is (at any given time).

I asked him to bring it up in a meeting to hire some COMPETENT individuals to deal with their IT system to make sure that ABSOLUTELY NO AMOUNT of MONEY is EVER missing from the records for absolutely no amount of time, otherwise there will be many thousands of people who will feel their trust is being VIOLATED BY RBC, but *** he had just kept repeating himself saying "Sir, you can absolutely trust Royal Bank, your money is 'just in transaction' so there is no reason to panic."

My final conclusion is that if you want a bank that is completely TRANSPARENT with its transactions and banking records, then you should AVOID USING the Royal Bank of Canada (RBC) at any cost!

I am now in the process of looking to find another financial institution, one that I CAN trust, one that will NOT VIOLATE my TRUST by disclosing all the transactions at all time, not choosing to have any money VANISH for any length of time.

there was a unknown transaction on my RBC personal checking account. I reported the activity to contact center, someone unknown deposited money to my personal account and I found this activity bit suspicious, I called the contact center and explained my side, they blocked my account and asked me to visit my home branch.
next day I did visit my home branch, instead of putting suspect money on hold they blocked my all accounts with them. and asked me to wait for next 5 to 7 business days. I cannot use my bank account in any form. I don't carry cash with me, I left with no money as RBC not allowing me to use my own funds in my own account with them.
I have 4 years old toddler, and being a single parent my so called bank account is blocked for next 7 business days. I need to resolve this matter. we cannot survive next 7 business days which doesn't even include coming long weekend in total 10 days without money obsequiously no groceries.
need a help to get my account back in working condition.

E transfer was sent twice when I only clicked the confirm button once. Two transactions went through for $1000 dollars each totaling $2000. Not the first time E transfers and bill payments have gone through twice as I have shown to the Ombudsman. This is a technical issue that is RBC's responsibility to resolve and replace the $1000 that was "NOT" authorized by me. In months past, over payment was always refunded by other party as they were honest business or individual. Not this time I'm afraid.
Ref# is BUSXXXXXXX
Possible alternative file # XXXX-XXXX
Transfer date. Jan 6/2020 acct# XXXXX-XXXXXXX

Other examples of duplicate transfers from my personal account.
Transfer date. Dec 6/2019 Account# XXXXX-XXXXXXX
March 22/2019 Acct# XXXXX-XXXXXXX

. I recently met with my financial advisor , to wit, on December 17, 2019 and on January 14, 2020 at the Manotick branch. Our private and confidential second appointment was interrupted by the branch manager. Details, such as client behaviour during the first meeting were communicated to Mrs. Erin K., group manager. This was communicated to me both verbally and in writing by Kelly on January 22 in a meeting in her office in Barrhaven. ***. Nancy B.

To whom it may concern,

My exboyfriend and I were together for many years. During that time he added me to his bank account however we did not open it together and have since parted ways. He told me he had appled for overdraft protection and at no point was I ever a co-applicant or did I sign any documents that would deem me liable for his overdraft amount.

In January 2017, he was having financial difficulties and filed a consumer proposal with ***. In that proposal was his overdraft in the amount of $2047.14. In February, RBC voted in favour of accepting his overdraft as part of his proposal. Since then, my life has been *** with constant *** from RBC and now the have added *** to the task of continuing the ***.

I have not been with Mr. in years and need this to end. I am *** living on a small income and do not feel that I am liable for this debt as I did not sign any documents requesting any of this overdraft or credit. I am trying to maintain my credit only to receive letters from a collection agency for this debt. I have told RBC over and over again, this debt was accepted in his proposal three years ago and that I could not pay his debts.

RBC has continued to add interest to this debt despite all of this going through ***, at which point that should have all stopped but they continue to add interest ***, making their settlement offer of $1961.98 sound like a huge savings when in fact that original amount was only $85.16 more. *** letter says 60% settlement offer when it's actually 4%.

Revdex.com, Please assist with this matter.

I loaded an RBC offer for a $5 statement credit when I spent $40 or more on gas at *** with a linked RBC card. I made a purchase of $40.08 on December 27th. This offer had an expiry date of December 31st ***

RBC did not credit the offer. I contacted the customer service center twice requesting credit for this offer - once on December 28 and once on January 2 - and both times the customer service staff denied that I had such an offer. I definitely did have such an offer

I needed to change banks for personal reasons. I chose RBC because they had the lowest monthly rates. I quickly discovered their service to be horrible...
-Firstly, transactions don't show up immediately in my account. I once checked my balance on a Friday and found it to be around $850. By Monday, it was nearly $0, and I had hardly spent any money. So at some point, I spent money I didn't have without knowing it.
-Second, when I decided to change banks again because I was displeased with their service, some payments went through even though my balance was low, and rather than decline the payment, they put it through and charged me a large overdraft and NSF fee.
-Third, and this is a minor issue, unlike every other major bank in Canada, they aren't yet offering denominations other than $20 at the ABM.

I'm taking my business elsewhere!

RBC keeps making these "free ***" offersWell, in fall 2014, I took them up on itThe deal was: open a chequing account ($monthly fee for a fairly basic account!) and set up pre-authorized payments (PAPs) by Dec1st, and they'd send me an ***I did as instructed, telling both payees to make sure the PAPS were started by no later than Dec By summer 2015, I still hadn't received the tabletSo I called the bank: they told me that I hadn't qualified for the [redacted] Offer because of my PAP payees didn't initiate its 1st PAP withdrawal until Dec2nd -- one day late! I figured, OK, the bank's computer system didn't put me on the [redacted] mailing list because of a minor technical detail; but it's nothing that can't be fixed by a little intervention by a Customer Service agent WRONG!! In branch, I was told by a teller and an assistant manager that there was no way for them to override/overrule the computerThey suggested I contact Head Office in Downtown TorontoI did The Head Office told me the same thing: the PAPS had to start by Dec1; no exceptions, no excusesIf I didn't like it, I could complain to their OmbudsmanI did After months, the Ombudsman finally responded: the marketing department policy was reasonable; the decision not to give me an [redacted] was reasonable; and the Ombudsman couldn't and wouldn't do anything to intervene on my behalf At least in the "good ol' days", when a bank offered you a free toaster, they gave it to you on the spotYou didn't have to pay exorbitant monthly service fees for the better part of a year, until you found out whether or not the bank would live up to its promises! Lesson learned: stick with the banks you trustDon't get sucked in by marketing ploys and questionable promises My RBC account is now closedThey won't see my business againOr my wife'sOr (if I can help it) my kids' Anyone who asks: I say bank somewhere that values your business and cares about your customer satisfaction; somewhere other than RBC

[redacted] I had Auto Insurance through RBC and when it was time for renewal they asked me to provide them with other peoples personal information in order to renewal my auto insurance Example: As a business they are treated like a "person"So RBC "person" asked me to go get personal information of my family members (other people) and provide it to them so they can renew my auto insurance It is against the law for someone to have another persons personal information so I don't understand how RBC is able to ask for itThey should know better There was no explanation as to why this is importantI had asked what if that individual doesn't want to provide me with the informationTheir response was "we will cancel your insurance"They stressed me to the point where my family (members) will cancel all our accounts, checking / savings, mortgage, ***, property insurance, auto insurance within the next years (at the time of mortgage renewal) This is unacceptable and we all already know Insurance is a growing problem for everyoneThe consumer needs to be protectedI hope this helps others to make the right choice

I wired USD $12000 to China on Oct 10, the client service representative didn't let me know that China has a foreign currency control and possible would not accept such amount of USD. I was charge for a transfer fee by RBC, but the money was returned by the recipient Chinese Bank due to some foreign currency control policy. And now it is Nov12, the Chinese bank said the money has been returned back to the sender, and RBC said there is no money in. My money just disappeared for over a month.

I am writing to complain about the unreasonable practice of RBC Cash Back *** - in order to get the cash back, you must have at least $25 accumulated, even if you are terminating the card, you won't get any cash back if the accumulated amount less than $25. Which is ridiculous, all other banks either pay monthly or yearly no matter how much cash back is accumulated, that why I stop using RBC Cash Back ***, but I still have $20ish cash back being held up by them and have no way to get it back unless I spend another $500 with their card which I will not give them any more business due to such bad practice.

[redacted] I'm using RBC Saddletowne Calgary branch (most unprofessional) from last two years file complaints but no improvements and now dicided to stop using this bank Reasons :- I went to their branch to transfer some funds to my suppliers account and they took money from my moms personal account instead of my business account couple months ago the branch manager told me he will figure out what went wrong still no response Last month I went to the bank (most unprofessional ) to transfer $to my suppliers account and wrote a chaque all went well till yesterday I got a call from manager (unprofessional ) they did somthing wrong and instead taking money from my account they took money from someone eals account and they need the money right away but I told them I need to look to my account and want

Horrible customer serviceNo way to resolve any dispute with Royal Bank ***They stand on merchant sideRBC [redacted] doesn't want to be involved in anything other than you using your [redacted] Card

I've been a client for over years, watched their services slide continuallyAfter being told they tried to call but didn't even leave essay I'm switching banks

Summary:
My partner and I (***) are buying a house and the closing date is Sep 30. Part of the down payment is coming from my sister (***) who lives in Switzerland. She sent CHF 160,000 (CAD 211,332.59) in a wire transfer from her/Swiss bank called '***' to my/Canadian bank 'RBC' on Sep 11.

The money never arrived in my/RBC account and after investigating, my sister told me that RBC had refused the wire transfer, and that there are approx. CHF 3,000 to pay now for administration fees.

RBC did not contact me or her prior to refusing the wire transfer. The refusal apparently happens on a local/branch level -> RBC Bank, 1497 W Broadway, Vancouver, BC V6H 1H7.

So not only have I lost valuable time, i.e. putting the closing at risk, but also my sister gets charged approx. CHF 3,000, has to wire the money again to me, and her and I have spent at least one hour each trying to sort this all out!
Also, I have contacted RBC Customer Service 4 different times (Fri, Sep 13 / Tue, Sep 17 / Wed, Sep 18 / Fri, Sep 20) where I spoke to four different agents.

Call 1/Sep 13: the male agent inquired with the RBC wire dept. if they can see the money 'in the pipeline'. He told me that his colleagues cannot see anything yet, but that because it is such a big amount that it is normal for it to take 5 business days.

Call 2/Sep 17: the female agent told me that I shouldn't worry that because it is such a big amount, it is probably looked at in more detail and that it takes 5-7 business days, i.e. that it was still within the 'regular' processing time frame (as the money left my sister's account on Sep 11).

Call 3/Sep 18: the female agent checked again with the wire dept. and still could not see anything. She informed me that I cannot launch an investigation, that only my sister in Switzerland with her bank *** is able to do that.

I spoke with my sister on Sep 18 to launch a tracking/investigation with her bank ***.

On Sep 19 she informed me that RBC had refused the wire transfer that we don't know why or when and that there are charges of approx. CHF 3,000 to pay, which are raised by RBC not her bank.

Call 4/Sep 20: the female agent noted the whole series of events and checked yet again with the wire dept. She told me that the wire dept. doesn't know why/when the wire was refused, but that I should go into my RBC branch (West Broadway) in person, so they could tell me the reasons.

I informed her that I will not go to the branch, that I will log a formal complaint (which she did: XXXXXXXX), and that I will wire the money again (this time from my Swiss account) and that they have to complete the transfer. Because otherwise, we will not be able to close on Sep 30 and will lose it all, e.g. the house and the deposit.

What leaves me so speechless is that no one at RBC bothered to contact me to check what this wire transfer is all about. Particularly after I called them 3x, and I have told them that this money is for a down payment, i.e. the importance of it. And that RBC is on top of all of it asking/charging my sister approx. CHF 3,000 for a service that was never delivered - on the contrary - actively sabotaged.

I have been an RBC client from the beginning when I came to Canada 5 years ago, and I have all my personal & business accounts with them. *** it puts our closing at risk, which is in ten days.

In August 2016, I applied for a student loan at the Westminster branch in Montreal under MY name, SIN, permanent code, etc. I was the only one that signed for it and knew about it. Now, 3 years later, school is finished and I can pay it back. A month before I finished school, my mom who lives in Vancouver applied for a mortgage and on her credit check, my loan appeared under her name. This is negatively affecting her credit and she NEVER consented to having a loan under her name.

The 3 parties involved (RBC, RBC student loans and the Quebec government student loans) are all shifting the blame to each other and no one has any clue what to do as this has never happened before. I spoke to RBC customer service on the phone to see how this could have happened, and they said that 2 weeks after I had applied for a loan, RBC bank sent a letter to RBC student loans asking them to change the loan to my mother's name...without my consent or hers. HOW can this happen? This is ***, and no one knows what to do. It is time for me to pay back the loan but because of this mistake, it appears as though I don't owe a dime; instead, my mother is on the hook for a loan that she never consented to.

The Ste Catherine branch manager tried for hours to help me, but she was also at a loss for what to do. If someone who is so helpful and calls every number possible is unable to find a solution, I am definitely not able to on my own.

I have spent hours on the phone with the loans department, and they are extremely *** and always hang up the phone after saying "everything is fixed", when it is NOT fixed. I am beyond unhappy with this level of service, and RBC's inability to rectify this issue.

I attempted to make a purchase on an RBC Virtual Debit *** card and there was an issue with the payment. I now have $699.43 locked up that I can't access. ***.ca indicated they cancelled the authorization. RBC is blaming *** and is now indicating it could take up to two weeks to release the funds, despite them acknowledging the transaction was cancelled by my spouse and by ***. All we want is the funds available immediately based on the fact that the transaction has been canceled.

I have difficulty communicating with the RBC on the phone and they have not offered any alternatives to phone calls. I requested information related to my overdue accounts and repayment options but have not heard any replies.
Product_Or_Service: *** and

My troubles began when I made the decision to change from RBC to***. I was swapping simply for better rates. I was told this would be no issue, an easy swap. My prior services with RBC included a chequing account, a savings account, a ***, and a student line of credit.

I had things set up so that my $9,500 balance from my *** was paid by a *** line of credit, thus closing the *** at a $0 balance. There was correspondence online to confirm this. They also closed my savings account. I advised I would be leaving my student line of credit open with RBC, and paying from my new chequing account. RBC advised me to call in in order to provide them my new account details. This proved to be the beginning of my troubles with RBC.

I called RBC mid-April of 2018 to confirm my *** chequing account details, and change my address, as I had moved. They read these details back to me, informed me that my chequing account with RBC was now closed, and the line of credit was my only remaining service. I was happy for such a quick and easy break from RBC. Unfortunately, as I became aware months later, it was not so simple as I had thought.

The agent I had spoken to in April had not processed any of the changes I had confirmed with them over the phone - my address change, nor my chequing account change. Because of this, my chequing account was left open. A $10/month *** subscription began attempting to charge to an empty account, as well as my $10.95/monthly fee on the account. These both, understandably, began to bounce with NSFs being charged to the account until such a point that I received a very unpleasant phone call the week of my wedding explaining to me what had happened. If the chequing account had been closed in the first place, as it should have been when the analyst I spoke to neglected to shut it down in a timely fashion, none of these charges (*** included) ever would have been charged. The analyst I spoke to that day said she would take care of things for me - this was in August. She did update my address. She had told me as well that my *** owed money - which was waived that day, when she looked up communications on my account confirming it was closed at a $0 balance. This was three errors on RBC's part - saying my chequing account was open and due money, saying my *** was closed but due money, and no change to my address.

Flash forward to October, and I receive a letter in the mail stating I'm being sent to collections by RBC for $500 or so. I call and finally am able to speak with a manager. This call I would request you pull and listen to - there are even file notations reflecting the entire conversation, per a conversation I had last month. This manager promised to finally close my chequing account with RBC, as she could see it was still not done. She promised as well to tell the collections agency I did not owe any money. This is the important part.

I am now being *** by a collections agency who claims I still owe them money. I have called RBC twice in March alone, both times being told that I would need to deal with the collections agency myself. RBC analysts have lost connection with me and not called back, have refused to provide any documentation, and are now refusing to let me speak with any manager who can rectify the situation for me. The collections agency states they just need proof from RBC of the conversation in October 2018 that would wipe all debt, but RBC insists I need to deal with them myself.

I have now called RBC several times, only to be looped from one manager to the next, or one department to the next with people refusing to allow me to speak to their manager (which is, by the way, illegal in Canada). I have confirmed that my work hours are such that, unfortunately, it is not feasible for me to appear in person at a branch location, nor should I have to. Everything prior to this was being handled online and via the phone for me - I do not believe I should have to present myself to be told to call in and speak with a collections agency that I have no business being with anyway.

I have been banking with Royal Bank Canada for many years now. The last 3 days I have been trying to get my account information through the online website and mobile app, but have not been able to access any information. I can log in but there is no information about my account other then "Attention We are experiencing temporary problems. Please try again later" I have been trying for 3 days to access my account, finally today I decided to call customer service. Customer service was very helpful because they told me my account had been closed on Feb 27 2019, there customer service rep said there was not reason for the account to be closed as I have been using it. He transferred me to the *** Ontario Branch to find out more information. Unfortunately I got the voicemail and left a message I did call back again and when I finally spoke to *** the branch manager he could not give me any information as to why my account was closed, where it was closed, nothing. I got no where. I explained to him I have been a customer for many years and this was unacceptable, and that I was to be getting deposits this week to that account from the Government, he told me there was nothing he could do at the moment until he looked further into it. *** did call back and tell me he tried to reopen the account but he is unsure if it worked, He said I would have to go to the bank tomorrow and try to deposit money into the account to see if it worked.
Now that is has happened I will no longer use RBC for any banking and will not recommend RBC to anyone.