CIBC Visa (Canada) Customer Service Issues

I recently returned a purchase at Walmart, needing the funds urgently to catch a bus back to my city. Walmart informed me it would take 3 days to process the refund. In the past, Visa had promptly credited me for returns to deduct the amount later, yet this time they refused, citing it being reserved only for emergencies. After requesting to speak with a supervisor, I was met with a dismissive attitude and told my account was too new. Despite explaining their previous assistance, I was met with resistance and felt the supervisor made excuses to avoid helping me. I want to escalate my request and file a formal complaint regarding this unsatisfactory interaction.

Subject: Issue with CIBC Visa Account I am reaching out regarding the CIBC VISA Card ending in [redacted] under the name Shannon V. Gordon. Due to challenges with your phone messaging service, I am resorting to email for the fifth time to address our concerns. Following my wife's recent stage IV cancer diagnosis, we had to organize her affairs. We discovered a recurring charge on her CIBC Visa account, which we have been unable to close despite informing you of our intent on April 29. It appears there may have been confusion related to the power of attorney recognition by your bank. It seems that the payments are linked to Microsoft. Could you confirm if these charges are related to a pre-authorized debit to Microsoft? If so, kindly advise on the necessary steps to close the account and share any relevant contact details within Microsoft's collections department. Given Shannon's health constraints, she is unable to visit a branch or engage with your phone services. If a response is required directly from her, please reach out at [redacted] or [redacted], and ensure to include me in the correspondence. Thank you for your anticipated prompt assistance. Best regards, Chris Scattergood

Hello, I have been a loyal Visa customer for many years. Unfortunately, I have faced some challenges recently as I lost my elderly mother and have been unwell. Due to these circumstances, I realized I was a week overdue in paying my bill. Despite promptly settling it, I am concerned about incurring additional interest charges, especially considering the current situation. Typically, I clear my balance in full each month, and I greatly value my relationship with Visa. Is there any possibility of reducing the interest rate or fee given my situation? The outstanding amount is substantial, over $[redacted], and I am currently unable to work as a supply teacher due to the Covid-19 restrictions causing school closures. I appreciate your understanding and assistance in this matter. Thank you, Mrs. Laurie Rodgers

Subject: Assistance Needed with Visa Bill Dear Visa Customer Service, I hope this message finds you well. I am reaching out as a longstanding Visa customer who recently faced some challenges. Unfortunately, in the past two months, I lost my elderly mother and have been ill myself, leading me to overlook my Visa payment last week. Normally, I diligently pay off my Visa bill in full each month, but due to these unforeseen circumstances, I have fallen behind. I understand that I will be charged interest for the late payment, but I kindly request if there is any possibility to reduce the interest rate applied. As of now, I am facing financial constraints as I am currently not working as a supply teacher due to COVID-19 restrictions. I appreciate any assistance or consideration in this matter. Thank you for your understanding. Warm regards, Mrs. L. Rodgers Toronto, M4G 1J1

Subject: Request for Assistance with Visa Interest Fee Dear Visa Customer Service, I have been a loyal Visa customer for many years, diligently paying my bills in full. Unfortunately, due to personal circumstances, including the recent passing of my mother and my own illness, I overlooked my payment this month. I only realized the oversight when I was already over a week late. I understand that I will now incur interest charges on top of my balance. Given my current situation, being out of work as a supply teacher due to Covid-19 restrictions, I kindly ask if there is any way the interest fee or rate could be lowered. The outstanding amount is significant, over $[redacted], and any relief would be greatly appreciated. Thank you for considering my request. Sincerely, L.R. Toronto, M4G 1J1

I started a business account back in [redacted]. Recently, upon returning from an emergency trip abroad, I was shocked to find out that my account had been closed without any prior notice. Despite my willingness to settle any outstanding charges, the abrupt closure has caused significant issues. The timing was particularly challenging with a slow business period followed by the impact of the pandemic. When I tried to apply for Ceba assistance, I was denied due to the closure of my account by CIBC. This has put my business in a dire situation, and I am determined to address this matter with the support of legal assistance. It is frustrating that such actions could have a detrimental effect on small businesses like mine during these challenging times.

My small software business has been heavily impacted by Covid-19, leading to a significant drop in demand and putting a strain on our cash flow. Currently on CERB, which is ending soon, I worry about running low on funds in the next few months. Both my wife and I have CIBC Visa cards with $25,[redacted] balances each, resulting in monthly charges of approximately $[redacted]. I've heard about the Pace-It program that allows for deferring monthly payments, but considering the ongoing uncertainty of the pandemic, this may worsen our financial situation later on. A substantial reduction in the monthly rate by CIBC would greatly alleviate our financial burden.

I am unable to find any information about my CIBC Visa Account on my Equifax report, even though it is listed under my Debt Management Program with Consolidated Credit. The account has been closed since [redacted], and I have been making regular monthly payments to Consolidated Credit, with a portion allocated to CIBC Visa since February [redacted]. I am looking to get in touch with the appropriate individual or department at CIBC Visa to ensure that my outstanding balances are reported accurately to Equifax. I hope to resolve this discrepancy promptly. Final digits of my CIBC Visa Account: XXXX XXXX XXXX [redacted]. Thank you. Robert L. [redacted]

Since February [redacted], I've been diligently repaying my outstanding balance on my CIBC Visa Account through a Debt Management Program with Consolidated Credit. I have consistently made $[redacted] payments every month through Consolidated Credit. However, my CIBC Visa Account, ending in [redacted], does not reflect on my Equifax Credit Report. I am seeking guidance on how to rectify this issue. Could you kindly direct me to the appropriate individual or department at CIBC Visa who can assist in ensuring my account is correctly reported to Equifax? Thank you. Best, R. Levack

Hello, I am currently in the process of redeeming my late aunt's Visa points. I have the necessary authorization to claim them. The CIBC bank in Oakville has been contacted by the estate department multiple times regarding this matter. Today, when I contacted CIBC rewards, they mentioned that they require the signed letter of authorization from me to proceed with the redemption. Despite being told over two months ago by a representative that they had the letter on file, I was informed that the process needs to start over due to the missing authorization document. I am feeling very frustrated with the situation and would be grateful for any assistance you can provide.

I was browsing on the GeenLeafz CBD website but logged out when I saw the prices as they were too high for me. Shortly after, I received a text message offering a gummy jar for only $4.95, so I clicked the link and agreed to that offer. However, I later received an email with charges for three additional products totaling $65.31, which I did not agree to. I have tried to cancel these unauthorized orders via email but have not received a response. The charge on my credit card appears as MAGENTAMAGNIFICENTGAD [redacted]. Can someone please assist me in canceling these payments from quintessentialwholenessexperience.com?