Ombudsman for Banking Services and Investments (OBSI)
401 Bay Street, Suite 1505, P.O. Box 5; Toronto, Ontario M5H 2Y4
Fax: 416-225-4722
Dear Ombudsman:
1. This is a complaint against the CIBC, the Amicus Bank, Galen Weston and family, John Skeoch, the President’s Choice Financial Master Card credit card, and the President's Choice Financial (“PCFMC”) for breaches of my privacy and the Cardholder Agreement (“CA”), nuisances and frauds in my account.
A- Breach of Renewal Card
2. Since 2003, I am the “primary cardholder” with PCFMC in account number 5181 2710 2380 9392, expired on August 2010. My account was in “good standing”. However, PCFMC, maliciously, did not issue a renewal card, contrary to terms 1.4 and 2.4 CA, rejected to pay $10.88 to Shoppers’ Drug Mart 1026, at 463 College Street, in Toronto, on September 9, 2010 at 3:25pm. On September 30, 2010, at 9:30pm I called PCFMC, Alexandria and Roxanne #V42 clearly told me that they were surprised why new card was not send and said: “Card mailed now! You will get it in 2-3 business day”. Until October 5, 2010, I did not receive it; so at 1:47pm I called. I said to the bankers that I want to file a complaint; after several “hold”, I talked with a manager MANON #D323MD; she refused to give last name; but said she would send it today with a priority post and add 10,000 points to my account for mistakes! At 3:57pm, after a long hold I talked with Senior Banker John Skeoch; he said would investigate my complaint within two days, would call me on October 7th in which he did NOT call. Skeoch promised to add points for my damages! However, none of them were staff of Ombudsman so at 4:10pm, I complained to Curt Muraska; he was surprised that Manon said, “today I will send card with priority post”. I found the said bankers intentionally lied to me; misconduct themselves by making false promises and trying to make a story for their own professional negligence.
B- Breach of Internet Banking
3. PCFMC is the Internet banking, abusing my account, such as changing my passwords without any notice and denying my access to my account causing nuisances, frustrations and liability against I as the cardholders are liable to pay bills even if they fail to access the Internet. All citizens and I hating to call PCFMC because its telephone not allowing to contact with Customer Care Specialist and does not contain all topics such as an option talking with the Ombudsman. It is important to notice that even in PCFMC Website there is NO information to file a complaint pursuant to the Bank Act. I found PCFMC, and Galen Weston & PC, intentionally, holding information to mislead the public as PCFMC ranked by J.D.Power and Associates having highest customer satisfaction in 2007, 2008, 2009 and 2010 Canadian Retail Banking Customer Satisfaction Study; http://businesscenter.jdpower.com/news/pressrelease.aspx?ID=2010123
In particular, on September 30, 2010, at 9:20pm I attempt to have access to my account via Internet; as usual it was denied asking me to call bank. I called PCFMC Alexandria & Roxanne V42 asked all Security Questions, which is very frustrating [they repeated 13 times in the said two days]. They put me on a long hold then a rude female said: “You don’t need to know my name I am the last person you are talking with. Your account is in Security Watch [repeated three times], your new card is mailed. We don’t have a new number, call us Monday to set your Internet password.” This is breaches of Internet terms 3.5, 4.3, 13.4 of CA that is making Cardholder liable, whereas PCFMC maliciously changing passwords to defraud us.
C- “Security Watch” and Abuse of Banking Power
4. Since September 2010 I have NO valid card that anyone can abuse it. Why my account was in the Security Watch? I honestly believe that the CIBC, Weston & PCFMC trying to attack to my credibility and my credits because in one of my lawsuit against CIBC, the Ontario Court made a judgment against CIBC.
It is important to note on September 28, 2010, I served a Notice of Claim as against the Crown for torts and
damages caused by the Computer Hackers hired by the Crown; also Skeoch and Muraska were both were shocked that why my account was on Security Watch. I have no doubt that the Crown’s agents talked with Skeoch and Muraska, in particular, Muraska was interested to learn more about my lawsuits and damages than to facts related abuse of my account. I honestly believe that my complaint with Skeoch and Muraska was intercepted and the informer of my Cell phone was the rude female that I refereed in paragraph 3.
Attachment # 1 is a copy of said Notice of Claim as against the Crown referring to CIBC at paragraph 2.
D- Breach of my Privacy
5. Since 2003, PCFMC, Galen Weston and family stealing my private information and selling to the marketing & the Criminal Organization causing huge damages and torts to me such as providing my home phone numbers to them. The fraud and theft of my personal information by of PCFMC and Weston and family forced me to continuously change my home numbers. On June 2009 I received a letter from PCFMC that my account was suspended for 12 months because the marketing staffs were unable to contact me and sell products. For about one year, PCFMC maliciously held $11,000 against my credit obstructing my access to get loans from banks by showing Suspension of my Credit Card ended other banks to refuse my application. Whereas the term 7 of CA stated if you have abused the program's privileges, failed to follow the terms and conditions. There is no evidence whatsoever that the said statement can be applied to my account. On April 16, 2010, the PCFMC asked for home phone number 416 895 1200 and immediately has sold my personal information to the Crown & Criminal Organization; so I changed my number again.
On September 10, 2010, I noticed that Roxanne#V42, in particular the said rude female was surprise of my “new home phone number”. It is reasonable for me to conclude that PCFMC had no intention to set Internet
Password but PCFMC intention was to obtain my current phone number. It is important to note that I am Plaintiff in few pending lawsuits. I have no doubt PCFMC providing my personal information to the Crown’s agencies for unlawful interception of my communication to mislead and obstruct justice. My telephone records indicate that I had NO disturbing call in my “new home phone number” before September 30, 2010. However, since early morning on October 1st 2010 I am getting disturbing calls from PCFMC marketing. My phone every few minutes showing “missed calls”, but most numbers blocked. On October 2nd 2010 at 7pm my phone call with my family was intercepted at “Royal Conservatory Hall”, my location was reported to the Security who commenced harassments against me [usual Crown’s tactics against Witnesses before the Court that is Contempt of Court. I can assure you that I have not given my new phone cell phone number to anyone up to October 6, 2010. Thus I have no doubt that PCFMC has sold my personal information contrary to the Privacy Policy in promising to handle personal information with “respect” and contrary to the Personal Information Protection and Electronic Documents Act because Galen Weston and family have no hesitation in causing harms to the public and I for their own unlawful businesses and gluttonous activities.
E- Arbitrary Decision in reduction of the Credit & Breaching “Points” Agreement
6. In 2003 PCFMC put $2000 credit in my account; every year increased it to $11,000 because my account was always in good standing. Thus I planned for $11,000. In 2010 without any reason PCFMC decreased my credit limit to $2,900. At the same period my daily withdraw from CIBC machine has been decreased to $500. My research is showing that other customers had similar complaints showing that Galen Weston and PCFMC are overspending having NO sufficient found to support their customers’ credits. PCFMC arbitrary decreases of the credit limits are contrary to the CA. This fact is important for the Bank Insurance in accordance to the Bank Act to consider whether Galen Weston & PCFMC are in the bankruptcy stage [No bank ever deceased my credit limit]. Finally, since June 2009 I have renovation in my condo and I spend over $50,000 in my other credit cards that if PCFMC was no suspending my account I could get “ PC points” to purchase groceries from Loblaws and nofrills which is additional damages and unlawful suspension of my card, and refusal to mail the renewal card are contrary to the main part of CA . Please investigate this complaint with honestly and impartiality.
Major Keyvan Nourhaghighi
CC CIBC Ombudsman Fax 416 980 3754 2/2
Willard Gordon Galen Weston, OC, OOnt (born October 29, 1940) Canadian businessman and philanthropist, is Chairman and President of George Weston Limited, which owns Weston Foods Limited as well as controlling interest in Loblaw Companies Limited, Canada’s largest food retailer. W. Galen Weston is also Chairman of Holt Renfrew in Canada,Selfridges in the United Kingdom, and Brown Thomas of Dublin, Ireland. He is President of The W. Garfield Weston Foundation, a private, family-based charitable trust.
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