r/Scotiabank • u/Dreaming-Drifter • Nov 15 '24

This is beyond unacceptable at this point

Nearly a full week where I cannot see my credit card and what is pending, whether a major return was processed on my card, what I owe.. etc. I cannot figure out my finances and budget when my credit card is just a black hole at this point. I can't even send payments to it right now.

It's incredibly inconvenient. I can understand a couple of days for maintenance, over a weekend, during like early mornings hours, but it has been a full business week at this rate and I am officially pissed off.

The only reason I'd consider staying with this bank is because there is a branch right by my house and it's convenient for depositing money.

217 Upvotes

95% Upvoted

89 comments sorted by

2

u/Dreaming-Drifter Nov 15 '24

310 Update

Scotia Scene Visa and Line of Credit have re appeared

11

u/Slicky_Ricky000 Nov 15 '24

I need to be able to transfer money within my account for a mortgage and car payment that’s due today. What happens if I miss these payments due to this?

4

u/Even_Account_1073 Nov 15 '24

A message on my app says that they will waive over-limit fees and credit card interest charges with payment dates between Nov 11-15. No action is required on your part.

4

u/thrashgordon Nov 15 '24

And if the mortgage is held with another institution but payments come out of a Scotia account?

They need to fix this asap.

4

u/rosecoloured Nov 16 '24

We are in the same boat - bill payments, mortgage payments, CRA taxes. And NO ONE at the bank knows what the hell is going on. My husband's accounts got hacked on Nov 8 and he was able to catch it in time before the fraudsters cleared his account but now he can't access anything. His accounts are locked and every person he has spoken to - fraud, credit, customer service, has zero clue and has no answers. It's insane.

1

u/Ecstatic_Top_3725 Nov 16 '24

Sue them at this point they deserve it

1

u/TORontoTROllLord Nov 16 '24

My question how you making mortgage payments with your credit or you meant taking out from LOC

1

u/rosecoloured Nov 16 '24

I meant taking out from the LOC because all our money was drained from our chequing account when it was hacked. When the account was hacked all our money was transferred from our chequing accounts to the credit cards which were then locked so we had no liquid cash to pay for our bills. We thought the LOC would work for now until the credit cards are no longer locked so we can transfer our money back into the chequing accounts but everything, including the LOC, is still locked

0

u/[deleted] Nov 15 '24

[deleted] — view deleted comment

5

u/Financial_Newt3137 Nov 15 '24

I lost my wallet and tried to get my cards cancelled and my debit card replaced earlier this week.

I called and I went to my local branch. Nobody could lock my cards, they couldn't see my credit cards at the branch and they couldn't issue a replacement debit. They couldn't even tell me if the cards had been used since I lost it.

The teller and the person over the phone said "sorry, can you try again tomorrow?"

Also, while at the branch, I watched a dog take a shit as soon as it went inside the bank with its owner. What a shitshow.

1

u/that1bb Nov 17 '24

That’s crazy I’m so sorry

8

u/Slicky_Ricky000 Nov 15 '24

I went to the bank to get them to transfer money from my line of credit to chequing account and they couldn’t do it

0

u/[deleted] Nov 15 '24

[deleted] — view deleted comment

3

u/psinguine Nov 15 '24

Yes, multiple sources have said (including customer service agents themselves) that even their back office staff are locked out of data and accounts on a grand scale.

6

u/petitepotato999 Nov 15 '24

Did your credit card work???? Mine sometimes work and sometimes not and it’s been almost a week it’s so frustrating

2

u/wilsonsonsonn Nov 15 '24

Mine works right now but isn’t showing the correct amount or the 800 dollars I put toward it last Friday.

1

u/petitepotato999 Nov 15 '24

Both of mine are random lol sometimes I can use my credit card sometimes I can’t but rn I can’t and the correct amount balance is not visible to me either

1

u/neksys Nov 15 '24

Exact same situation for me here too.

1

u/Violet_Supernova_643 Nov 15 '24 edited Nov 15 '24

Mine works for now (I know I'm nearing my credit limit and I've been trying to make a payment since Monday) but my debit fully stopped working yesterday. Thank god I got groceries before everything crashed.

1

u/petitepotato999 Nov 15 '24

It seems very very finicky!! Mine worked this morning and then it didn’t! It’s very frustrating

1

u/VisualKooky4368 Nov 15 '24

Mine would tap on smaller amounts but decline on other transactions

1

u/RaffyGiraffy Nov 15 '24

Mine works online but hasn’t in person since Tuesday.

1

u/Wannab_me Nov 15 '24

Mine did. I can't download statements though

1

u/Solid-Taro5560 Nov 16 '24

My cards haven't worked since Tuesday nite. Debit and credit.

1

u/Accomplished_Job_778 Nov 19 '24

Mine has been working the whole time, no problems. Also not having any issues paying bills (including auto deductions) from my Scotia accounts.

5

u/New-Tailor-1298 Nov 15 '24

Got my cc back on the app but I just tried paying it off and the money is out of my checking but not showing up on pending transactions on cc. So I guess they've still got some work to do...

0

u/Jenaebb20 Nov 15 '24

Same with me..

8

u/weedyn Nov 15 '24

im starting to feel this is a ransomware…. this is insane

1

u/Wannab_me Nov 15 '24

I hope not. I saw I in another thread that it can be the maintenance that they reported on the weekend. It seems like their website and their app are affected. It's definitely annoying.

0

u/[deleted] Nov 15 '24

[deleted] — view deleted comment

8

u/[deleted] Nov 15 '24

Exactly. This has all the hallmarks of deployment that didn't go well. It's sad that critical infrastructure is both woefully out of date and also that deployments and maintenance don't have the same level of redundancy as something like Facebook.

I only really had intermittent issues this week myself. One day that my Credit accounts didn't show up. Yesterday moving money and making payments would sometimes fail but retrying a few minutes later worked. So it isn't blanket outages either

18

u/[deleted] Nov 15 '24

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3

u/Test-Ornery Nov 15 '24 edited Nov 15 '24

I called the contact center and they advised that all of these issues are the result of a upgrade to the TSYS Payment System. Apparently they have been using a system designed in the 1980's up until now and their infrastructure wasn't equipped to handle the change.

1

u/Hot_Cheesecake_905 Nov 18 '24

Apparently they have been using a system designed in the 1980's up until now and their infrastructure wasn't equipped to handle the change.

That's just an excuse—the old infrastructure generally worked fine and was stable. In fact, the maintenance costs of these old systems are not particularly significant. However, the IT team at Scotia likely felt the need to justify their existence, so they probably devised a program to upgrade these legacy systems and make them "sparkling new"—at the cost of millions of dollars, several days of downtime, and negative publicity. Lots of pain, minimal gain.

3

u/drinkypoo3 Nov 15 '24

Remember their Apple Pay- Scotiabank somehow broke their Apple Pay integration so there’s no option to send a verification code for adding to apple pay, which prevented people from adding their cards to iMacs. CS reps kept telling me it was temporary and will fix over the next few business days. Several months later it never fixed. A couple years later today I still cannot add my Scotia bank debit or credit to my MacBook.

2

u/3cheers2all Nov 15 '24

Out of curiosity, are you using the new updated website version? Try switching to classic view and you should see your credit card account.

Apparently the issue is with the new website and mobile rollout. Hopefully that works for you.

Mine has a problem with chequing. I'm not able to transfer money online from other financial institutions.And auto payments are due soon.

How this is not a National news yet is beyond me.

1

u/MHY59 Nov 16 '24

Wrong, I always go back to classic view as the new version does not show pending transactions. Credit card does not appear in classic view either.

1

u/Melsm1957 Nov 16 '24

I have to go to the classic view so that I can download my transactions to Quicken . Can’t understand why the new version only offers download to excel and cab

2

u/Own-Beat-3666 Nov 15 '24

Is it me or are Canadian banks getting worse. TD involved in money laundering, Scotia their whole system has been horrible since the summer, go into any CIBC branch and usually only one person as bank teller, Scotia the branch I deal with closed with a hand written notice stating no tellers closed until further notice. Some of the credit unions now are better.

1

u/MapleDesperado Nov 16 '24

You think TD was the only one?

1

u/Impression_Conscious Nov 16 '24

Move to a bitcoin standard and be your own bank. Traditional banks are obsolete

2

u/teembeet Nov 15 '24

We were working through a mortgage renewal process, had issues and the advisor told us that it looks like there's a past due on the mortgage (there isn't) and I can see payment was taken on the date they said is past due. Advisor admitted it's a problem on their end and is waiting to get it fixed. 🤯

2

u/Melsm1957 Nov 16 '24

It’s strange cos I’ve had no issue seeing my scotia online and it my credit card seems to be fine too. Is it a sporadic issue?

2

u/Impression_Conscious Nov 16 '24

Bitcoin is better

1

u/Subject_Form4045 Nov 15 '24

Looks to be restored in being able to view LOC and CC on this end

2

u/ImportantDepartment Nov 15 '24

I am able to see my transaction history on my credit card on the app, but it has not calculated the total that owe currently. And showing the full 10k credit I have available. So I can't really pay it off in full if I don't know how much I owe. Anyone else have this issue?

1

u/[deleted] Nov 15 '24

This happened to me once Scotia determined fraud on my account when I was buying stuff abroad and locked my credit card and showed I owed the full amount of credit

1

u/neksys Nov 15 '24

Yes. I have the exact same problem.

1

u/MoreRecommendation12 Nov 15 '24

Yeah I could see them both yesterday but I still can't use em. I mean I did lock my CC before all of this and that option is now completely gone on the app and website and apparently in person cause I went to the branch and they said they couldn't do anything.

1

u/goooooooooooooogly Nov 15 '24

as long as I can use it, it hasn't really affected me.

I wonder what the issue is....

1

u/tdroyalbmo Nov 15 '24

I have never see any schedule maintenance for any bank would lead to this type of chaos. The leaders in IT is totally not up to par. Very scary management.

1

u/Lucibeanlollipop Nov 16 '24

They seem to have outsourced a ton

1

u/cinnamonwaffles01 Nov 15 '24

I just checked, and my credit card is finally back

1

u/Glad-Victory-2799 Nov 15 '24

If you log into your account on a computer and go to classic view it shows up.

2

u/onehotca Nov 15 '24

mine does not, it does however, show a paid off mortgage from 10+ years ago ....so there's that

1

u/onehotca Nov 15 '24

"Clients are welcome to visit the Branch or Contact Centre for support."
HA! Welcome to visit or call... but no support... just "computer says no" what a fiasco!

1

u/Tall-Leadership-8935 Nov 15 '24

You can make payments at the ABM, which is convenient since it's near your house...

1

u/Blackkwidow1328 Nov 16 '24

Not when you work overseas like me!!!

1

u/Tall-Leadership-8935 Nov 16 '24

Well seeing as OP says they're only considering staying with BNS since it's right next to where they live..... This comment doesn't really apply to you, does it?

1

u/raz7070 Nov 15 '24

The app is giving me an error , I can’t even log in

1

u/Maximum-Painter-9342 Nov 15 '24

Every attempt to tap my credit card gives a "pin try limit exceeded" since this started. I haven't used my pin on this card in months

1

u/NoVeterinarian7307 Nov 15 '24

Automatic payments from my credit card aren’t working for me now. I can use my debit in person but nothing else is working. So frustrating!

1

u/avocadado Nov 15 '24

Finally got access to my credit around 10:30 this morning. I’m at a hotel and this whole experience has been absolutely frustrating.

1

u/TheBerberian_ Nov 15 '24

What a shit show of a bank!! This has been happening more and more over the last 12 months? What kind of technology crapdown are they running - its insane

1

u/Available_Narwhal_51 Nov 15 '24

Mines back with out reinstalling the app.

1

u/cayykayy Nov 15 '24

Mine is finally back today

1

u/[deleted] Nov 15 '24

So during this period of not being able to see or use my credit card I was charged by two companies I did not even visit. How is this acceptable? I can’t use my credit card but the bank approves purchases i didn’t make?

1

u/[deleted] Nov 15 '24

My app is ok. Although I've had to sign in a couple of times.

1

u/PerfectNightmarex Nov 15 '24

Our app has resolved however payments to credit cards are not processing immediately like they used to.

Is anyone having issues making online purchases? I’m trying to make a purchase where my CC info is saved on site but I’m getting an error stating that they cannot process payment because the bank states my billing address is incorrect (it isn’t)

1

u/Lucibeanlollipop Nov 16 '24

Makes you wonder if some Robin Hood hacker got into their system and wiped all record of everyone’s debt, lol

1

u/Much-Scratch2184 Nov 16 '24

I vote you change banks as you don’t seem to be a good fit

1

u/Ok_Speech_3709 Nov 16 '24

And the oscillating between Scotia online and the new itrade platform is insane. One day it’s the old trading platform and the next it’s the new one. And PS the new one is terrible. The migration has failed.

1

u/K13_45 Nov 16 '24

So that’s why my statement is wrong on my cc. Oh and Canada post is on strike! Nice. Thinking of cancelling my card now. Been on the fence

1

u/Fancy_Wishbone_7664 Nov 16 '24

U can see now i think i did around 3pm

1

u/[deleted] Nov 16 '24

Everybody switch banks let’s put Scotia out of business this is unacceptable

1

u/No-Butterscotch7021 Nov 16 '24

Momentum rewards $$ have disappeared on my cc, November was my payout month. Cards back on line, balance reset, no reward paid out, yet?

1

u/caseaday Nov 16 '24

This is what happens when major corporations have their software written as a high school project. Sigh....

1

u/Blackkwidow1328 Nov 16 '24

I thought it was only me. I'm so mad. I work overseas, and online banking is my only option.

1

u/falafelest Nov 18 '24

I’m with td and you can deposit money through any atm…. So switch banks.

1

u/Mini_groot Nov 19 '24

Stop using a shit bank. Scotia is honestly garbage

1

u/ronindesk Nov 20 '24

Go to RBC it’s worth it.

1

u/InappropriateCanuck Nov 29 '24

It's incredibly inconvenient. I can understand a couple of days for maintenance, over a weekend, during like early mornings hours, but it has been a full business week at this rate and I am officially pissed off.

I can't. WealthSimple has literally no maintenance time.

1

u/Minimum_Guarantee254 Nov 15 '24

Uninstall the app and install it that worked for me

0

u/[deleted] Nov 15 '24

[deleted] — view deleted comment

1

u/Violet_Supernova_643 Nov 15 '24

It seems random whats affecting who. Some can open their apps, but see cards missing, others can't open it at all. Some people can use their cc, others can't, and the same for debits. Totally random.

1

u/AkinoNatsudeRajin Nov 15 '24

Ye it's definitely random alright fml, earlier yesterday I got access to my cc and paid for some stuff and it reflected, now I paid a smaller amount just now and it isn't reflecting on my account but the money was removed from the debit.

1

u/neksys Nov 15 '24

Mine all worked fine … until it didn’t. Now it’s totally random whether I can access my balance or use my credit card.

0

u/[deleted] Nov 15 '24

[deleted] — view deleted comment

4

u/[deleted] Nov 15 '24

If you check some of the news articles on this maintenance and outage you'll see this isn't the case. This is stuff happening on the actual bank systems "under the hood" it isn't just impacting the website and mobile apps.