Canadian Imperial Bank of Commerce [CIBC]

Beware of Banking with CIBC Albion!

Those who have visit this branch will never forget the experience and never return to them.

This is for new people in Kipling and Finch area. Those who have done business with them knows how these people are.

CIBC Albion have special hidden rules and policies which I experienced and i would like to share

1. Before paying any bill makes sure you have reserve money to pay the same bill.

2. Must have a very strong heart to stand the insults the CIBC Representatives Shower on you.

3. Never complaint they don't know what to do with it. (I wonder even if they know the meaning)

4. Mistake should be tolerated by clients or will be insulted.

5. Never expect minimum manners.(Even from Manager)

6. For appointments never be on time come half an hour late. You can save your time

7. Before meeting a representative you should ask if he/she is newly joined or not.

If you wonder these are wrong rules just try once. You will feel it is true. Take my recent experience

CIBC does claim their customers are really valuable for them and "strive"to maintain a healthy relationship between their customers. Of course they are right in some branches. I should admit that e.g. CIBC Main branch at Bloor; CIBC branch at Wilson; CIBC Branch Richmond BC..

But what I wonder is do they differ in their policies branch wise?

This is what I experienced with CIBC Albion branch.

As usual one Friday I visited the branch to pay my CIBC visa. The teller who was much eager to help and due to her "over eagerness" she paid my phone bill and returned my Visa card along with my banking card. I didn't know that I came home and started to pay my bills online with my Visa Card as I always do that and I know my limit and usually pay within that.

I was trying to book my exam and found my card is declined. I could not believe it. I called the Visa and asked them what happened. They told me I have crossed the limit and I will be charged $20 as the over limit fee. I argued and told them I paid the bill in the branch through the teller and it should reflect in the very next minute. They said there was no recent transaction after July 30th. I was wondering where my money went. This happened on Saturday and I had to wait till Monday to get a resolution.

I went to CIBC Albion Branch and addressed this issue to the receptionist. She apologized for what happened and assured me there is a procedure to cancel the transaction and I will get my money back but will take 2-3 days. While she was helping a lady who claims herself the Senior Financial adviser came in between and told the receptionist they can't do it and this is not possible at all. I told her I don't want to suffer for a mistake done by CIBC representative. The Financial Adviser became furious and started yelling at me. Seriously I was shocked! I couldn't understand how a CIBC representative can talk to a client like this. She shouted and asked to follow her. I thought I will be taken to a cabin and discuss. Instead shockingly she took me to a chair in front of the Manager room which is in the main banking area where more than 30- 40 people were there and shouted "You better sit here!". I was insulted I can't understand anything. I asked her "Is this the way CIBC representatives behave to customers?". This made her increase her volume and yelling at me she said "SIRRrr.you have to sit here".

I saw all the customers looking at me. I felt ashamed I sat there. I couldn't believe it. There is not a mistake from my side and I have been insulted too. She went inside and came out in another couple of minutes. This time she told me that there is a procedure to cancel the transaction and my money will be given back and the receptionist will help me in the matter.(Bloody hell ! This is what the receptionist told me why this lady should interfere! To show her bossy attitude) This was said in a mild soft manner. I don't dare to talk to her.

I simply went to the receptionist. While the receptionist was doing it the financial adviser was saying "wow this is Wonderful. I didn't know that. I learned something today". (What the Heck? If she doesn't know it why did she interfere? Why did she insult me in front of all the customers present there? I pity the victims who took advice from her) this time I asked her name and she gave me her name card.

I made a hand written complaint and gave to the assistant manager regarding the rude behavior of the CIBC representative and the loss of money. She said the Manager will take care of it and I will be informed and my money will be back in my account by Wednesday. I asked for complaint registration number and the Assistant manager assured no need to worry the matter will be taken care and I will be kept informed.

I waited until Thursday and nothing happened. I visited the bank again and this time the Assistant manager went on vacation and the receptionist went for lunch. One Representative was there to help me. I had explained all the situations again. This time I asked whether they have any complaint registration process or procedure. This guy doesn't know if anything like that exist and humbly said I am new I don't know anything. (It is good that these people are wearing a name plate so they can remember where they are working and their name!How thoughtful CIBC is!)

Again I came on Friday to get my money and this time too I did not get it. I asked for an appointment with the Manager to know whether she is aware of what is happening there. I got an appointment on Tuesday at 1 pm because Monday is Labor Day. (What Labor Day for them! insulting Clients?)

On Tuesday I came and waited more than half an hour to get another appointment on Thursday. (Why don't these people call and inform if they are busy? I was just expecting the minimum manners. My mistake. I should know I am dealing with CIBC ALBION branch). This time I received manager's visiting card with date and time of appointment. I got my money back. But nothing was done for the insult I faced.

I came on Thursday sharp 1:55pm so I won't be late. So there was nothing surprising I had to wait until 2:30pm to meet her. I talked to her regarding the complaint and I informed her it has been 7 business days (CIBC language! To be frank it is 10days according to ordinary calendar) after I registered the complaint and I was not even acknowledged that the complaint has been registered or any action taken on.

The Manager (Remember THE MANGER) told me I didn't ask for any acknowledgment or any complaint registration number. (Interesting!) . To my inquiry on the action taken she replied she cannot disclose it to me as it is internal matter but since I have taken much interest in it she told me that she asked for a statement on the incident from the financial adviser. On the Statement she agrees that her behavior was bit rude to me. This statement was taken on Friday, the previous week and they didn't take any further action. At least an apology letter! A phone call! I have given my full address with phone number for contact. Usually when anyone registers a complaint they should be contacted even after 5 Business Days! The Manager said she can't do anything further. So when a complaint is registered against any CIBC Employee the Managers will take a statement from the employee... That's it...I couldn't apply for the exams I planned for the week. I have to wait another 5 days for the money; I am insulted. I can't realize any mistake I done other than doing my banking in this branch.

Even after the financial adviser accepted her guilty the manager was trying to justify her... It is the tone of her voice and all. I can't understand if this is the service clients has to expect .

There is no respect for clients. It's like we clients are slaves and we have to suffer for what they do. They don't pay the interest of the money which is held for their mistake. If we do a mistake like pay our loans after one day they charge us interest. Does it fell like justice?

I could have left this matter and live. But think about the hard earned money of the people working 12-14 hours a week that belongs to the majority in this area are looted and ill-treated for banking with CIBC Albion. While I was waiting for the appointment from 2:00pm to 2:30pm I saw 4 people getting pissed off because of their service. Seriously I wonder whether they are running any financial institution or running some "Corner Bank Shop". Those who run corner shops, please don't feel offended. You guys do better than CIBC Albion People

I dedicate this complaint for them and I request all those had bad experience with this branch better reply to this complaint and together we can wake them!