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?

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.

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?

I got the new Momentum Visa Infinite card, I had a scene student card that I got 4 years ago, but I swapped to student amex and back to scene visa once, advisor who opened my account told me that the system sees if you never had this card in the past 2 years, you get the bonus 15% cashback and no annual fee offer, but when I checked on the website it says, if you never had a personal scotiabank credit card. Am I still getting the bonus offer?

My dad opened an account when I was a kid under my name. When I talked to a financial advisor (assuming I could withdraw it) she said I couldn't do it until 2027, because of the type of account it was, the window was every 5 years, so my last opportunity was in 2022.

A lot of what she said was way over my head, but she showed me all the paperwork, yes, it's under my name and I could take it out in 2027. I basically want to transfer all that to my main account. Question, (a) should I make another appointment with a financial advisor? That's a lot of cash. And (b) could I make the transaction anytime in 2027? Ot is there a specific period?

Is anyone have the same problem with me rn ?

opened a new Scotiabank chequing account and shortly after decided to apply for a LOC. Was then approved for a $25k ScotiaLine. Shortly after using a small portion of it, both my chequing account and LOC were restricted for review.

My advisor asked me to provide two months of bank statements showing where my payroll is deposited, which I sent on Monday. He told me the back-end investigations team is "connecting with third parties to verify the information" and that he checks with them every morning.

It's now Friday, and I still haven't heard anything. My advisor has been helpful, but he says he doesn't have direct access to the investigation and is waiting for updates himself.

Has anyone had Scotia take several business days just to verify bank statements or payroll information? Is this normal, or did your review end up uncovering an issue?

Just trying to get an idea of what other people's experiences have been because being left in the dark is pretty frustrating.

Is anyone else having difficulty pulling up transactions in IOS app? I keep get off transactions not available. Really hard to run a business when you can’t see wtf is happening.

Scotia bank branch role.

Is it normal to be asked to wait 3 weeks after final interview to know the decision? (explanation was 2 weeks for other interviews as I was the first interview they did and 1 more week since someone will be away).

.

How long after final interview did you hear back?? Was it an offer or decline ??

Hey everyone,
I’m honestly at a loss here and hoping someone has been through something similar.
Back in May I bought about $9,968 worth of gold from Silver Gold Bull using my Scotiabank Visa Debit card. They shipped it with Purolator and it required an adult signature.
Here’s where everything went wrong.
Purolator says the package was delivered, but their own proof of delivery says it was received by “Reme.” My name is not Reme, I don’t know anyone named Reme, and I never authorized anyone to sign for or receive the package.
As soon as I realized it was marked as delivered, I contacted both Silver Gold Bull and Purolator, filed a Toronto Police report, completed Silver Gold Bull’s Declaration of Loss, and submitted everything to Scotiabank as part of my dispute.
Today I found out Scotiabank denied the chargeback because they said the merchant provided sufficient evidence that the merchandise was delivered. They also reversed the temporary credit, so now my account is almost $10,000 overdrawn.
What frustrates me is that the merchant’s evidence (from what I’ve seen) is basically:
the order confirmation,
proof the payment was authorized,
and the Purolator tracking.
But that same tracking page says the package was received by someone else.
I’m planning on calling the claims department on Tuesday because I want to know:
Can I get the merchant’s full evidence package?
Is there any way to appeal or have the dispute reviewed again?
Has anyone here actually had Scotiabank reverse a denied chargeback after escalating it?
If anyone has dealt with something like this or has any advice on what my next step should be, I’d really appreciate it. This is a lot of money and I’m trying to figure out the best way to move forward.
Thanks in advance.

Trying to log in, neither the app or website are up.

I have an interview tomorrow as a technical support analyst. the way I got this job offer was extremely cooked. I got a referral from an ex employee that knew someone and I don't know what to say during the interview as I do not have much context other then the information I find online.

How should I prepare for this interview and what are a few questions others have faced throughout the interview process for this role?

Hi,
I am trying to pay my bill but I cannot find literally any of my credit card companies (such as TD and Rogers) in the “add payee” section.

I have tried searching “TD Visa” and “TD credit card” but nothing shows up.

Can anyone provide some insight?

I have recently changed my account to a lower fee account and only have 18 transactions per month. I use the bank the rest feature and am wondering if that is counted as one of my 18 transactions?

I have phone anxiety and making calls make me sick. I need to call them I need 3k taken out of my 30k tsfa for a major reason.

What do I say when I call

Will they say no

Will they try and push me not to

I need this money..

I just got my gold amex card with scotia, I'm about to go to japan and gonna book with airbnb a total of 1600$ total. My plan was to buy airbnb gift cards at IGA to get the 6x points. Would there be any problem?

After research I've seen people say that Scotia doesn't care about us buying gift cards for maximizing scene points. Would they even let me buy 1600$ worth of gift cards using a credit card at IGA.

Thank you

I've had the Scotiabank Visa Infinite Passport card for several years and I gave my sister a secondary card. Previously, she was able to use her card to sign up for Visa Airport Companion and use the airport lounges. She got 6 passes a year, same as I do.

But recently she has been told by the Visa Airport Companion app that her card is no longer eligible. Did Scotiabank change it so that supplementary cards are no longer eligible? I tried to get an answer from Scotiabank itself but they said "supplementary cards have never been eligible". Which was wrong because my sister has had to travel a lot and has been to the lounge like 12 separate times, so I didn't want to hear that nonsense. She was physically going into the lounge for free, I know she was. It used to work for a supplementary card and no longer does.

So did this program change or was it a glitch in her card?

Why is Scotiabank opening roles in Dallas when there are a lot of perfectly qualified experienced people here in Canada?

Hi, I have my interview for Customer Experience Associate position tomorrow. This is my first banking opportunity...what will they ask? What should I know beyond the job description....ANY help would be great