Tangerine CA

The title of my review should say it all! But let me add it is in fact worse than that as I would as a seasoned borrower seriously avoid this bank and apply extreme caution. They constitute in my opinion the meaning of predatory lending.

I did not add a proof of purchase but I assure those that might read this rating on Tangerine I have dealt with them.

I used to applied Tangerine's Home Equity Line of Credit, with lower mortgage rate than Other banks. I only applied 200K loans, but being request to registering my Land Title Act of Full Value of the house, which means they report to the government that they own full value of house, please refer attached document clause 16 from more details. It means in case I passed away, Tangerine will own the full value of my house even I just owe $1000 to them! Finally I refuse to their mortgage.

I have had nothing but great experience with Tangerine banking. I have never got charged a fee for anything! They have all the options needed to set every kind of transaction email money, transfer bill payment, paypal etc. etc. And most ( not money orders) are freeeee! So sign up and tell them I sent you for an extra bonus 25$ for you and 50$ for me! UNitl Dec 31
"Give this code to family when they sign up for Tangerine Banking with Referral code *******S1 and get an extra 25$ when you open a savings account with a 100$ balance!"

They are a $#*!ing disaster and joke of a bank. Do not even go near them. They could care less and have not one $#*!ing clue what they are doing. Their cards do not work they are $#*!ing Scotia Bank which means Scotia bank is a piece of $#*!. Their online banking platform is complete $#*!. You cannot deposit. You cannot withdraw their $#*!ing VISA/Debit is crap and doesn't work. WHAT THE $#*! IS WRONG WITH THIS PEICE OF $#*! BANK

After 20 years of having an account, Tangerine still won't allow me to get promotion. Also was on phone for hours on hold. If they don't allow you to get promo even after 20 years, then imagine how inflexible they will be if I were their client now again. That's totally wrong and not a professional way to gain back old customers. That's a great way to reassure ex customers not to come back

So card work at grocery store (tap), went to get gas tap wouldnt work, stuck at gas station now after being on hold to reset pin only to tell me i have to go to a scotia, update they cut me off from my funds for 3 days until security can talk to me...? I know totally unheard off, I just put in the wrong pin what a pain it has caused

Someone frauded my account, deposited a fake check and instead of investigating what happened they closed my account. Basically saying i did this and refuses any reason or wouldn't even listen to me. Bunch of $#*!s.

I have a $250 limit on my overdraft but on Dec 4 I was shocked to see that I was charged a %45 NSF fee for a $46.45 loan payment that made my balance increase to 243 and I wasn't over my limit. Would like to hear from the bank about this.

One of the problem is the employees at the phone. They dont speak FRENCH OR ENGLISH correctly! I am so opened to all genders, nationalities, ages working but when this becomes a problem, you need to do something. So bad customer service its not even believable.

You get what you pay for...
No service! Impossible to speak with someone on the phone, when they answer, they put you on hold, they transfer you, than they put you on hold and then they transfer you again and again you just finish by closing the phone because your batterie is dead! I had fraud in my bank account, they never stopped the thieves if I hadn't transfert my money in savings my bank account would have been emptied because they can't stop the frauds! They howe me 138.70$ still! You can't trust that bank and you have a bad service!

Do not. Even think of using this card if you travel. The card may work once and that's it When you call you will be on hold for at least 30 minutes while they tell you they are 12 times winner of the J D Power award for customer service. Be prepared to wait 4 days for them to transfer your money to a bank whose card will work. Sadly I tried their card on a friday so 2 business days for them to transfer. I actually joined J D Power to ask how such a badly run company won even once! If you do have to call make sure to use the collect number and not the 1-800 and maybe if they suffer some consequence like I have they will actually have something resembling customer service one day. The star I gave them is actually a -1.

If you live in an acreage, have a PO Box or whatever you so use
DO NOT deal with tangerine banking
They do not call back, they do not process information properly, they DO NOT deal with customers appropriately or honestly

Its not worth the hassle!
Ive been trying for almost three months and supervisors are no better then the staff manning the phones, no one saves information, they could care less if you've called 10 times with the same reoccuring issue, they give false information and supervisors simply will ignore you if you have a valid reason for frustrations.

30 minute to 1 hour wait times on average. Calls drop 50 % of the time. Customer service inconsistent, staff lie and make things up about why client cards don't work, policies and procedures.

I have been waiting on a call for more than 6hrs to resolve my locked account issue. I couldn't even get a chance to talk to a support guy who can explain the issue.

Every day I have to call them and they will put me on a line to the security department which never responds. If you have money in Tangerine bank consider it can be taken away from you anytime.

I try calling the security team to unblock my internet access. Over 12 telephone calls you will be waiting 1/2 hour to 1 hour to get a answer. You will need to send in document by email. Than they ask me to take a selfie of my self holding my drivers card. Is this really nessary? Do they have some photo ID software in the banking centre. This action make me feel I'm a criminal being charge for wanting access to my account. I also ask for a manager or supervisor to call me back? Customer service tells me what for? I can just speak to them? I'm not Sure if they are running a bank or a police military station?
Date of experience: September *******

Honestly run! These guys at the security department are not even trained! Just run don't even attempt this place. I would rather eat another humans puke than deal with this place. And now knowing Scotia bank owns this company, that is even more scary

My Wife and I are new account holders. I now regret all the work I had to do to setup the accounts. Here are my grievances.
1. Cannot open a Joint Chequing account without both parties having their own account and debit card first. So we did this.

2. Cannot link the other joint account holder's debit card to the Joint account. Accounts can only have 1 debit card.

3. Cannot transfer money directly to my daughters account. For years I have been sending her a weekly allowance automatically from another bank. I can only email an Interact transfer manually. Not doing that 52 times a year.

Everything above is support by our TD accounts.

Been waiting over 3hrs on the line and still no answer all because they decided to block my credit card.

Sent an e-transfer to myself for a large amount. The transfer doesn't go through but the funds disappear from my account! I then get locked out of ALL my accounts. I call to resolve the situation and David ******* from the security department lies and tells me that he made a complaint for me and escalated the issue but fails to provide me a reference for the call and then hangs up on me because he doesn't "feel like waiting" while the issue gets resolved. I am shocked that this bank employs people like David ******* Really disappointed from the service received from David ******* and how I was treated. The worst. I truly hope noone ever goes through something like this.

I have tried for a month now and spoken to 5 to 6 different agents, including a "manager" and have gotten no help or proper follow to my CC issue. I have asked the different agents this past for help to install my CC to my Google pay.
Each time been told thar a ticket has been raised and it would take 1 to 2 business days for the installation from their end to be installed. It is now almost a month and still no results, that's even with a " supervisor " issuing one of those tickets.
Planning on switching because they are no help and to be honest, very difficult to understand.

Was a great bank Until one day all of a sudden they decide to shut my account and end Financial Relationship for literally no reason I asked what was the reason Tangerine told me the reason is that we are not meeting your needs which is literally not a reason at all because I didn't complain everything was fine till boom closed
I did not get notice until one month after the shut down the letter was dated for February and I didn't get The letter until beginning of April like talk about short notice tangerine left me financially ruined for almost a month and a half waiting time for the Bank draft and because it wasn't a certified my new bank institution held it for 10 Business days so if I had to rate this bank it would be half a star not even PS don't bank with Tangerine

They have long waits
They ask for security code
Then don't phone back

Tangerine is the worst company I have ever dealt with

Over hr on hold. Its not worth the free mthly fee ive had money on hold4 over 6mths. Im going back to TD