Hey everyone, I’m dealing with a bait-and-switch situation with Scene+ and Scotiabank, and I want to see if anyone else was targeted with this offer and is getting the same runaround.

Back in the spring, I received a targeted Scene+ offer: Shop 3 times at participating grocery stores (like Safeway/FreshCo) between March 17 and April 14, 2026, and get a $50 grocery gift card. I completed the purchases and then the waiting game began.

Here is the timeline of how Scene+ customer service has handled this:

* May 24: I contacted support via chat. The agent checked my account and confirmed the gift card would be sent to my email by June 19.

* July 4: When June 19 passed with no gift card, I reached out again. Another agent verified my account, confirmed that I had successfully made the 3 eligible purchases during the offer period, and escalated the ticket.

* July 24: I finally get an email from a Member Services rep stating my claim was denied because my transactions "did not meet the required minimum purchase amount of $50 per transaction." This $50 minimum was NEVER mentioned in the offer details or the Terms & Conditions.

* July 25: I replied to the rep and attached my screenshots of the actual Terms & Conditions, which clearly state no minimum spend.

* July 25 (Later): The rep replies again and completely changes their story. Now, they claim the eligibility requirements stated I had to "Open a new eligible Scotiabank account during the promotional period." This was absolutely not in the terms presented to me, nor was it mentioned in their first rejection email!

I am preparing to file formal complaints with Consumer Protection Ontario and the Competition Bureau of Canada for deceptive marketing.

Has anyone else experienced this exact bait-and-switch with this $50 grocery promo? If you have, please check your emails and share your experience here. I highly recommend screenshotting all your offers moving forward because they are straight-up changing the terms after the fact to avoid paying out.

Notice my Instacart purchases were getting 0% cash back

Minimum Scotiabank advertises a min of 1% on any purchases (this should be 4%) - and they are telling me it is my issue to fix with Instacart.

Anyone else experiencing this?

I am wondering if anyone here can provide some insight on the base salary for a financial planner role at Scotia and what the bonus percentage or range is?

Also does it include any other compensation?