Originally Posted by britsnake;8517033
[I

But I hate that I may check my account online on a Wednesday and then when I check it a day later, I see they have retrospectively added transactions to previous two days[/I].

Originally Posted by danfolkestone (Post 8517238)

I feel your pain and have little doubt that it's the banks who are messing up. We had some problems with HSBC and with CIBC getting addresses wrong.

When we set up our HSBC credit cards, my wife didn't receive the card, the access code for online statements or paper statements (they had debited the annual rewards fee). After checking addresses and getting the stuff re-sent several times, it turned out that they weren't sending her documents to our home address. Instead, they had used the address on her letter confirming employment! Since she is a teacher, the letter had the board of education's address and never reached her - I wonder if something similar has happened in your case..

I won't bore you with details of all of the other problems, but it took 16 months for CIBC to change our address. After more than a year on my community association, we still haven't been able to change cheque signatories with CIBC as they keep losing documents. HSBC also repeatedly told me that I didn't have life insurance with them when I wanted to cancel and changed our bank account numbers without telling us so that we had no access to funds - only two days before we were due to complete on our house!

Often, the problems seem to arise because many of the banks have multiple incompatible systems, often one for US customers and one for Canadian customers. That was certainly the problem with our HSBC insurance.

FWIW, it's not only Canadian banks. When HSBC UK write to me or my OH, they get our address right. When the letter is addressed to Mr & Mrs, it goes to my in law's house. My old company pension documents are split between the two addresses, depending whether it refers to the money purchase or final salary element. Shaw's bills are also erratic - they're actually famous for it. Both electronic and paper bills can vanish for months at a time!

Originally Posted by kirstya (Post 8515607)

So when we moved here 18months ago we opened a Bank account with RBC and got a secured credit card with them

All was going fine ...
Until we wanted a statement for our credit card .. Its in the post they said..
after 3months of it not appearing we complained .. Its in the post they said
we waited some more .. and some more ... After alot of grief lies and hassle from RBC we cancelled the Credit card ... Its was a secured one .. for $1000 .. Do we have that money back .. nope they wont return it .. plus the $400 we over paid in payments due to having to guess what we owed .. due to never ever having any kind of statement from it .. Now they admit they owe us $1400 but just wont give it too us .. Arent banks fun .. Ok thats the first part of it ...
So due to that credit card not working we still needed a credit card .. So we went to TD bank , filled in the forms every thing good .. Its in the post no problems they said
After 2 months of asking them where it is and being told its in the post we gave up
and went to HSBC .. Now we bank with them in the UK so all should be good we were told .. We even opened a normal account as well as applied for a credit card..
all should be good they said.. we waited ...... its in the post they said .. we waited
and gave up AGAIN... And nope we still havent got the money back we opened the account up with ...
So now have gone to Capital one for a secured one as a last resort..

Anyway ... Why did the banks keep telling us lies ?? We even contacted the post office about maybe mail going missing and after an investigation on it they said are you sure people arent just telling you porkies (we had some other very important mail vanish too like Visa stuff and insurance stuff) But both those times it was finaly admitted it was never actualy sent...

So thats the Credit card problems and RBC
now theres the next part

Our current account with RBC .. At first this was fantastic , every time there was a mistake we would get a phone call and it would be sorted .. It happened alot but they were soo good about it ...
Then our card got cloned
and got cloned again
and again
and again

Ok something isnt soo good here .. can we have a new card do you think please ?
yes sure thing.. its in the post.. Guess what happed to that .. yep never arrived cos never actualy sent....
Then they keep making payments strange payments with our money .. Other day went to the ATM and oh wheres all our money .. rang the bank turned out they decided to pay for 3 yrs of car insurance !!We pay that directly in person so no idea why they would do it ... ok give back our money please .. Yes no problem sorry about that ..
week later it was something else... at least once per week we are unable to get money out of our account.. Due to one mess up or another on them..
Then our payments are going wrong .. A rent check got returned after it cleared our account and was in the landladys account .. RBC asked for it back .. Landlady contacted us we contacted bank , they couldnt explain why this happened ..
The other day got a big check off a company , it cleared , then the money vanished, the bank said it bounced , yet others got checks from same company and had no problems.. (said company is big and has lots of money so doubt it bounced)

Theres probably 101 other things they done .. but this post already gone on long enough ..

So we need a new bank account .. and after the joke with the credit cards we at a complete loss at what to do

So any ideas ....

We currently applying to BMO (been told theres a delay with that one , wont hold my breath)....

and sorry for the long post .. But needed to explain as much as poss..