A #Warning about #RBC #Bank's #Abusive, #Deceptive, #Exploitative, #Unethical, and Dangerous Practices

  If you have accounts with RBC close them and go elsewhere.

 

Update 31/10/18: Goodbye big 5! They are all manipulative exploiters of thei customers who serve only shareholders. I'm with ATB now. The money stays in Alberta and RBC can kiss my ass.

Update: Now their commercials have the guts to say they respond to your investing needs and welfare. Just after all the banks were found out to be pushing things customers didn't want, didn't need and were often bad for the customer just good for the salespeople. Rotten crooks and liars.

Also see

#Retail #Banking is a #Destructive #Conflict of #Interest

They claim #1 customer service. Their employees must have voted that.

Apparently the head office decided this year that they can take away services from an account without informing you and without reducing the fee that you are being charged for the account. Does preventing an account from receiving transfers from another RBC client (my wife) make any sense? I could see not allowing transfers out. Still can do it through Interac.Their collections, who I had made arrangements with the day before and called again, you always get straight through immediately to Collections) had no idea about it or that it was possible. The customer service had to dig to find out about it and couldn't do anything about it. RBC is by far the worse bank that I've ever dealt with. I'd move immediately if I didn't have a credit line to pay off. They won't close the account and let you pay it from another bank. So they have me trapped. There's no one to complain to and no way to hold them accountable. Again I'm warning you to stop dealing with them before they decide to take away things without notice and keep charging you for them. I they are the best, I'd hate to see the rest. 

However, the joke is on them. Interac provides quicker and more reliable service than RBC hands down, especially transferring from RBC account to RBC account. Interac's computers don't go home at 6pm or take weekend and holidays off then charge you extra for it. Apparently RBC's computers have a better union than the human workers they had train their temporary foreign-worker replacements

But that's a minor offence.

During my long decades with them, I have been hounded, abused, lied to, misdirected, and trapped.

I graduated with distinction from college in 2007. I didn't find secure, stable, long-term, underemployment until 2013, reaching what should have been my 2007 starting wage this year, thanks to being given a 2$ raise to the corporation's minim standard level. The entry wage for the position. After two years of good appraisals in that position. Thanks, Sobey's - College Plaza. But I digress only to point out that I had to live on credit for a desperately long period.

In 2000 I learned I have Asperger's syndrome, a form o autism, along with chronic severe anxiety on top of my major depression disorder. I was put on a changing cocktail of powerful medications, including an unnecessary anti-psychotic to try to stabilize my moods, remaining on most o them until recently when my new doctor began reducing the number and took me off the anti-psychotic. Between the disorders and the medication effects and interactions, my thinking was foggy and erratic for most of the last decade. 

Just before entering the library technician program in 2005, RBC offered me a credit line. I don't recall seeing my wife's name anywhere on the simple form that I had to sign and send back. It was just what I needed to pay for school and survive.

I already had an RBC credit card.

After school income remained scarce and unpredictable the reliance on credit continued with payments made when possible. As both approached their so-called maximum limits, I started playing "bank-machine-bingo", trying to see if they would let me take out a relatively small cash advance. Turns out they let me go hundreds of dollars over both limits, in many withdrawals, over an extended period. Eventually the income ran out long enough that both got cut-off and we made arrangements to amortize them. Of course the interest keeps going, cash advances being the highest. Of course they provide no information about how much off the cash-advance principal is left to pay off.

The credit line began $500 over the limit. I have been making regular payments on the principle and the unpredictable interest (the payment changes according to a complex range of variables that one of their reps said he would have difficulty figuring out) for roughly three years. I've dropped it a few thousand dollars but it's still $500 over the limit. They reduce the limit by the exact amount of each principle payment without applying one cent to the overage. Of course overage penalties apply. The debt will be 0$ and the overage will still be $500. Last year, they called my wife to inform her that her credit line was $500 over the limit and needed quick payment. She immediately transferred $500 to pay it. I checked it as soon as their computers came back from their nap breaks. The overage was still $500. It still is.

I heard on the grapevine that TD offer a route to freedom. The lady that I met with was absolutely shocked by RBC's shenanigans and gall. I think I've found the way out.

Someone suggested that I complain to the BBB. They don't accredit RBC.

I wouldn't either. Avoid them.

The trap is tight and it can pull in the innocent.

I want to pay of the debt.. Hell, I'd pay 3 times the overage.... to anyone except RBC.

TD, emancipate me.


But don't believe me. Sent to me by Shazad Mirza  

Michael if you want to understand the tyranny of RBC then let me make it clear. My wife works for RBC 5 years ..she last year on maternity leave got diagnosed with the most rare auto immune disorder - ANCI C Vaculitius (Wegeners Disease) She almost died while being prognosed .. here's the kicker.. Her health insurance is with Sunlife same company as mine (I work for Microsoft.) .. RBS sunlife doesnt cover the CHEMO DRUG @Ratuxim from bayer as my health insurance does at Microst.. its 10k a pop.. RBC is a bottom feeding sesspool

I have also been approached by another person abused as an employee by RBC and we have joined forces.

JusticeDelayedJusticeDenied

• The Time Has Come

• In The Beginning…

• Glass Ceilings Galore

• The Beginning Of The End…

• Negligent Misrepresentation

• Are You For REAL???!!!

 

These tax-haven enabling jerks have a dark history, as the following links show:

How to Contact the 17 Banks Funding the Dakota Access Pipeline

Royal Bank of Canada
CEO David I. McKay
CEO and Board Communications:
Paul French
paul.french@rbc.com
416-974-3718
Corporate Media Relations:
Catherine Hudon
catherine.hudon@rbc.com
416-974-5506
Corporate Address:
200 Bay Street P.O. Box 1
Royal Bank Plaza
Toronto, Canada
416-974-5151 and 416-842-2000

Major banks suddenly shunning medical marijuana companies 

 

Three firms refuse OBSI compensation recommendations

"#RBC was first in Canada to "shun" official banking #ombudsman, and hire their own private "referee" #BuyerBeware"

RBC, BMO, National Bank exposed to ‘unpredictable losses’ because of reliance on capital markets: Moody’s

 

RBC replaces Canadian staff with foreign workers

 "The new people are in our offices and we are training them to do our jobs. That adds insult to injury."

Cluster Bombs Are Banned Munitions, But Canadian Companies Are Investing In Them

World’s 16 biggest banks, including RBC, ordered to face Libor lawsuits in ruling court warns could ruin them

 

How Canada's banks help money move in and out of tax havens

How Canada got into bed with tax havens
RBC denies wrongdoing after being named in Panama Papers
RBC to turn over files on Panama Papers clients to taxman

See where the Big 5 Canadian banks operate offshore

RBC Bank Sucks (@rbcbanksucks) | Twitter

RBC Sucks Canada
Are you leaving/left RBC? Tell us what bank you chose to help others ...
Rate my Employer - RBC / Banque Royale du Canada
RBC SUCKS - YouTube

Combat the Canadian Communications Cartel: The Bell-Virgin Rip-Off Continues

Nov 23rd Bill Assembled

The Bell-Virgin Rip-Off Continues

Here’s a pretty blatant example of the way these ass-holes treat their enslaved customers, my newest bill. Note the bloody SuperTab credit and guarantee sticker. I already told them I am not paying it and I will be switching likely to Wind/Freedom.  Virgin was the best before it became Bell’s whore. Oh and they consistently ignore complaints about them not activating the built-in FM radio reception chips I most phone brands, forcing you to data usage. They simply fail to admit or acknowledge that such is the case. Not a word.  Even Wind/Freedom’s phone specs omit that feature, even those the exact same models have it included in the specs from the manufactures. Of course these are the same bastards who control cable non-selection and are attacking their last obstacle… net neutrality.  The Cartel tightens its grip.

Cellphone companies like Samsung have become complicit in this by agreeing to make FM chips so that they can be shipped deactivated to the communications cartel. My Galaxy ACEII came with an active FM chip and all the builtin programs I needed to listen to free radio and my personal music. To do everything I need without forcing data charges. The J1 (2016) that I bought in August had a deactivated FM chip and forced me to download quirky 3rd-party programs to listen to online radio through intermittent WiFi as well as my own music without a streaming service. Samsung now forces data use too, giving the cartel choice instead of their actual users. And my phone was bought outright without a plan, at a Virgin kiosk. They won't let me use the features for which I specifically bought the damn thing. That's Apple's Mo and why I have avoided them since the 1980s. I'm back on my slow, reliable, satisfying ACEII and happier than a clam.

I had to go through quite a bit of searching on Google to figure out that Donnees is Data. I  NEVER turn data on. I use WiFi data only. My phone itself shows no mobile data usage since August when I got the phone and set it up. Also, $7.50 for 1KB of data use seems a tad extreme, like a hit of cocaine.

In the past I've also gotten charged for answering a text survey they sent me to rate the customer service that I had just gotten from them. Fool me once.

 Rogers, Telus, and Bell are destroying the Canadian telecommunications industry and definitely choking the market. Virgin Mobile used to be the best service available until Bell got hold of it. Then, within two years, the built in FM chips stopped being activated forcing users to pay data for radio that is free, not because they can. This is immoral, exploitative, and dangerous considering how essential CBC Radio was in the FT. Mac fire. It is only done so they can be data drug dealers, forcing you to mainline on the expensive stuff. It only benefits them. They care nothing of their customers, just like those pushing fentanyl.  They don’t have to care; they own and control the market.

They are a tripoly, a non-competitive de facto collusion where they never lower prices or offer better deals, but always walk in locked goosestep.  It’s not in their interest to compete. They can’t. In fact, instead of competing they buy up competitor, like Sobeys did with Safeway, with similar results. Nothing improves but their bottom line. In fact things can get worse, because you have no options to go elsewhere. The only place where there is any real competition is in Saskatchewan where there is a government option.

This shows that the big three can’t be trusted with Canadian telecommunications. In a country this size communication is too important to be trusted to an effective monopoly, unless it is a national one through government. Government is at least accountable at the ballot box. The big three are accountable to no one. 

Canada is being held hostage to the profits and whims of three companies. They have obviously become too big to allow to exist. They should be broken up, ideally into six, and forced to compete, no sharing of profit or ownership. Either that or the entire service provider industry should be nationalized. It’s time for them to stop dictating how things are and for the consumers to stand up and fight what others countries take for granted: choice, fair prices, and decent service.

Otherwise any new company that appears just get held down and gobbled up, eaten by the inferior with cash. This serves no one but the investors and I’m damn sick of it. There is no market if there are no real options. They have no reason to change unless we demand it.

Maybe the simplest solution would be to use a concept like eminent domain to national the infrastructure and give equal access to it to all players, big and small. Then they  would HAVE to compete on price and service.

The first way that we could do that is to stop using their data. Use only Wi-Fi in safe locations. You will gain time and attention and money as result as you will no longer be paying through the nose for what you can get far cheaper at home on a PC or through a bloody transistor radio.  We’ve started unplugging the cable cord. Keep doing it. Unplug all cable TV. Tell them you’re sick of being given no options. No choice. No fair treatment. Tell them you are sick of their exploitation and abuse and don’t need them. Hell, go to Wind/Freedom mobile. That’s Shaw but at least not one of the three, yet. At least they still have a $25/month talk and text plan. Like what I have through Virgin because they grandfathered it in but changed the rules on how SuperTab credits work and have been trying everything to push me onto a more expensive plan that I don’t want.  I’m switching. I still have that choice. For now.

It’s time the three giants were cut down to size, leashed, or destroyed, before they destroy our freedom.  The customer is always right, unless they salves to the big three. 

It’s time to fight Canada’s Collusive Cellular Tyranny.Thy don't have to actively collude, just fail to actively compete.  Like a lie of omission or wilful ignorance.

The CRTC and government need to institute solid regulations and consumer protections. The cartel laughs and openly flouts guidelines, even discouraging and places hidden fees on the the mandated skinny-basic cable packages. Despite cable-cutting becoming a national sport.  They'll do anything except provide real choice and competition.

The Canadian Communications Cartel must be defeated, or they will just spread their control and strategies. Competitive pressures you know. That justifies every race to the bottom.

*Update 2018: I just got a ZTE phone. It's FM chip is activated. Maybe the Chinese don't care what the Canadian cell providers want. I'm with Freedom Mobile now and they live up to their name, but my old Samsung's FM chip wasn't activated so it has to be the ZTE. The Chinese might be spying on me now, but I don't care. If they are they will be bored as hell. I only listen to the radio and text my wife and friends.

A Challenge to the Masked Legion

Hi all who shall remain anonymous.

I know every has their own projects but surely there must be some way that the talented and the bold cane figure out how to activate the FM radio receiver chips in Canadian cellphones. A free resource is being monetized by keeping the chips disabled so that they can bleed us dry with data charges. Three corporations control our communications, although they transmit on frequencies considered national resources and governed by the CRTC. They control our information. If they didn't demand the ability to have the radio chip disabled, the ability wouldn't exist. Why would manufacturers included a useless part? Working is usually the default state for built-in parts. This can be a literal matter of life and death and ending the control truly means power for the people. In the Fort McMurray fire, cell service was knocked out and all local transmissions disrupted. Only the CBC radio signal from Edmonton, five hours away, remained reliable. The information oligarchs must be stopped!

If I wrote code, I'd take a hack at it myself.

I've seen a lot of inspiring words and images. Is there anything else behind the mask?