From:	XXXX
Sent:	February-27-14 7:45 PM
To:	Consumer Code / Code consommateur
Subject:	XXXX banking practices unacceptable


*	XXXX does not allow me to transfer money from my TFSA to my chequing account 
online. Upon requesting it in person at a branch, XXXX makes it unavailable to me for one 
day. They did not even tell me about that when I opened the TSFA. If they had, I could 
easily have come in some time before the day I needed the money for major car repairs.

*	XXXX holds a cheque from the US for 30 days, regardless of when it is actually passed

*	There was another issue that a XXXX did not warn be about that caused major 
inconvenience, but I can't remember what. The point is, in two cases they did not warn be 
about inconveniences that could happen

And here's a story about a mistake one of their tellers made and their resistance to correcting it 
themselves:

A XXXX teller deposited my partner's severance cheque into his account without verifying the 
date (his former employer apparently unkowingly post-dated the cheque). Because the teller 
cashed it for him at the time, the bank later demanded he replace the money without producing 
the cheque, threatening harm to his credit rating. When we asked a bank manager to remedy the 
situation that one of her tellers created, this manager arrogantly replied that that was not going to 
happen, making us feel like beggars. Eventually, after much perseverance on our behalf, the 
situation was resolved at the initiation of a XXXX senior, who ordered the branch to do exactly as 
we requested of the manager.
--  
XXXX