CIBC Reviews 1,888

I had a line of credit with CIBC, for about 20-30k and had an outstanding balance of about 3k$. CIBC reduced my limit to 4k. I told CIBC customer service, I will pay you the balance and close my card, you guys are ridiculous! You reduce my limit just like that! I can take my business elsewhere. AVOID CIBC, lots of other banks out there that will pay you to use their cards not like CIBC reduce your limit overnight for no apparent reasons! BS.

Exceptional service from Mr. Kaluwe Nambota at CIBC, 2866 Dufferin Street, Toronto, ON M6B 3S6! Professional, caring, and dedicated, he consistently goes above and beyond. I highly recommend him to anyone seeking top-notch support.

they intentionally don’t send out statements so that you have to pay them late charges and interest fees.
Hope Costco can go back to CapitalOne MasterCard.

Letters including the below have been sent to:
Executive Vice-President Amy, Office of the CEO and Chief of Staff at CIBC.
Senior Executive Vice-President and Chief Administrative Officer Christine
Vice President Chris, Client Complaint, Management & Appeals
RE: Serious client service mistakes closing account, poor investigation by senior manager in Client Complaints including lying about location of paperwork; lack of diligence from senior management in Head Office to address. This is where I am now. Beware!
There was a letter to the Toronto Star Editor in which new CIBC CEO Culham was also mentioned and sent to the above in mid-January 2026. This case has been going on for over a year - there has only been silence from head office since then. In January of 2026, CIBC did offer coverage to protect my account which was reasonable but the settlement offer was not so I declined. This is what happened:
Briefly I closed down my mother's account after she passed away. The account remained open for months leaving me exposed because my account was linked to hers. I told the bank branch and manager about this repeatedly and also found the line of credit on her account was still in use! I could transfer money back and forth from her line of credit in her account to mine! The Bank branch manager called me in July of 2025 after I threatened to go to the media and told me that as far as they were concerned they never had a record of me going into the bank to close down my mothers accounts eight months before! They made me feel like I was really the one who was in the wrong and acted like I was lying. I continued to get emails for my mother as well.
The thing is when I closed the account in 2024, the teller who did it took all my details including passport and credit cards, gave it to someone at the branch who went to photocopy it and brought me back the originals. The bank manager said she could not identify the people who were there that day. There was no copy.
It was only when I took money from her line of credit account in 2025 which should have been closed and put it in my account that I finally got action regarding a monthly payment. I told the cibc agent calling to ask for my mother what happened and why I did this to show how dangerous this was for me to not have closed my mother's account. Who would pay if someone took $10,000 from her line of credit?
I was then escalated to a customer care rep who was very understanding and also said that they could not find the actual paperwork to show that I had closed it down so they asked for it. I emailed the paperwork to the agent who put it in the file. I had been told by the bank manager and the community manager who I was escalated to that the teller was no longer with the CIBC and they could not confirm what happened to the paperwork.
The senior community manager who was excellent at investigating the trail could also not tell me exactly where the paperwork ended up after a very thorough investigation. Now it goes to senior investigations and I get this person who says they need three weeks after all the information provided, to investigate as well. I recorded the conversation with the senior managers so I know exactly what happened. The offer from CIBC this January, I think is far below (way under $1000) what I deserve for what happened to me and what I went through for months. This time spent was bad enough but worse was the fact that the senior investigations officer lied. Here's what happened: The Senior Investigations Manager comes back and tells me that "Oh, guess what? We found the closed transaction at the bank attached to another file in a credenza at the back". This is more than a year after it had gone missing! Remember, I had given the paperwork to the Customer Care Rep early on and that is how he had it. The paperwork is supposed to be shredded after a short time when it is entered into the system. This is a blatant lie and CIBC stands behind this what I believe is fraudulent. CIBC even at the highest levels refuses to acknowledge the blatant criminal lie regarding where the paperwork ended. Also be warned --There is another group that they say is there to submit a case through CIBC but it turns out the additional investigations whistleblower group Clearview Connects is run by the VP of Client Complaint Management. After 1 hour of giving my case to someone who had language issues, Clearview came back very quickly and said that my case was rejected. No surprise there.
This is not a case for the OBSI, this is for Senior Management and the Office of the CEO to settle in-house. I know others who have gone through similar things with CIBC but mine was the worst. My mother had a great manager at CIBC at Eglinton and Glenarden. Those days are gone.

They keep routing you to different departments until you give up what you were calling for. When I get tired on that, I told the customer service, they just reply me understand my situation and then keep repeating my request instead give me some suggestions or guidelines. LOL... Worst banking service I have ever seen. If you have other options, avoid CIBC.

From their Agent, to bank tellers to even their AI bot is unpleasant to deal with

They stole over 80k from my mother with dimentia, and blocked me out as POA. I have a whole list of colorful language to describe them. Not a single positive thing to say

Visited the C.I.B.C in Alberton, PEI Canada -we were fortunate enough to deal with Debbie- Customer Service Rep who directed us to Kelly Howell/Bank Manager -
Being from out of Province - Kelly helped us in a timely manner with a sensitive personal family matter - we couldn’t have gotten through all we had to without Kelly. Her genuine empathy and professionalism, truly listening to the challenges we were facing, turned a stressful situation into a manageable one.
Thank you to Kelly Howell and Debbie at C.I.B.C Alberton, PEI Canada -
SIncerely,
Dianne Scotchko/Cathy Jones

Chino had so much patience in assisting me registering my new credit card.time to time he check for the status until i finished registering my card to the app

I had an appointment with Jordan Sawatzky at CIBC and I am extremely grateful for his help. As someone who is not very familiar with the banking system and whose first language is not English, I really appreciated how professional, patient, and clear he was in explaining everything.
Jordan handled my request quickly and efficiently, making the whole process so easy and stress-free. He is friendly, knowledgeable, and truly professional. CIBC is very lucky to have him on their team! I highly recommend Jordan to anyone who needs assistance.

From the 18th December I have been in contact with CIBC about my money that has gone missing and until now I can't get my money back.
Branch manager and customer service manager very incompetent. Can't answer a question with total clarity.
I don't know if they want me to go to the news media and police about my money. People stay away from this bank. My next step is I'm going to put out all the fake emails they have sent me and all the staff involved so people can see the fraud taking place here.
Today I'm supposed to have a telephone appointment with the customer service manager and it didn't happen and there was no cancellation.

THE WORST BANK EVER!!! CUSTOMER SERVICE IS NON EXISTENT AND THEY TAKE FOREVER TO RESOLVE AN ISSUE THAT WITH ANY OTHER BAK WOULD TAKE 1-5 BUSSINESS DAY. THEY DO NOT CARE!!!
thier phone lines does not work you call and call and no one ever answers the phone. you go in branch and no one is helpful. my experience with this bank is just awful. I would not recommend, not even to a DOG!!!!

Ever since they switched to this new bullshit "tiered account system" it's just been one annoyance after another. And trying to fix it or find alternatives is even more annoying since their customer service is damn terrible too.

At first I could manage the "monthly fixed overdraft fee", it's $5 a month... yeah, no biggie. Then it happened AGAIN. And then I asked to get that refunded, initially heard that I couldn't on the phone (turned out to be a lie, shocker) and that I was getting lectured that I should've read their legalese emails more when I'm just asking a simple damn question before work. Then I do what she said and made an appointment in person, have the guy tell me that he'll fix the "system error" and get me a refund at the end of the day (he didn't) and to contact him if it pops up again in February. Okay, fair enough.

A few days ago (dated January 26th on the statement) I get hit with an "annual fee" for the credit card. Usually gets rebated, no big deal... it's not getting rebated. Great, love to pay $99 for some snobby banker to get richer when I'm trying to save money now... Thanks. So now unless I have $100k in my accounts now, I don't get that rebate thanks to the tiered banking systems!

Stay far away from this absolute dogshit bank. Never take ANYTHING that they try to upsell you, it's just an excuse for them to prey on you by getting you used to it until they drain your account with fees after fees...

Banking in Canada sucks hard.

I wish I can give this no stars. I can’t believe they won an award for customer service when their customer service is awful. I was on the phone for over an hour. I’m trying to product change my credit card and they won’t unblock my student account even though I haven’t been a student for more than 10 years. then I called that every day checking account to see if I am a student and they told me that I haven’t been under a student account for 10 years. i’m about to pull all my money out of my CIBC accounts and switch banks.

I requested a proof of funds statement for something coming up. I needed three copies and they had to have a written signature and be hard copies.
I called and talked to Mary who sent a message to Gail, her supervisor.
Gail had them signed and sent. She scanned and emailed me the documents and I had the hard copies in hand within a week.
Thank you, Mary and Gail for your help!

I had a horrible experience with one CIBC branch in St. John’s.
Basically, I was put on « ignore »!!!
Today I went to the CIBC branch on Water Street in St. John’s.
David Holland was kind, polite, and 100% professional.
He was very warm to my disabled son.
People who work customer relations need to learn the value of a smile.
Maybe David can do an inservice for all other branches!!!!
Learn to take a moment.
Learn to walk in another’s shoes!!
Even pretend like you care about the stress parents of disabled people are under!!!!!
But by the grace of God ……..go you!

Poor experience - endless issue with customer service team and constant push from the banker to invest in FHSA/mortgage

Dont ever use this bank you'll regret it. For the 5th time I was in an extremely vulnerable position because of this bank. Last year it blocked my credit card the day I went on a 3 week road trip to vancouvr island , I had no credit card couldn't book or pay for anything, it then blocked again NYE the hotel didn't let me sign in I spent 2 hours on the phone and missed all the NYE plans I had made, they stopped all my regular payments I had been making for years like Spotify and Netflix it was the worst trip I ever had because of CIBC

I have several more stories like that. But yesterday tipped the bucket for me

Im in mexico, im here for 8 weeks , they ALWAYS block my cards for fraud and don't ask, just stop the use, they didn't do that this time, I took out 22thousand pasos to give to my landlord. Thought it was odd they didn't check, never mind. I hit my max withdraw limit ( I am so sick of putting this up and them putting it back down without asking. I couldn't buy my car, or insurance without ringing them 3 times!!!!!) So why can't I pay ICBC but I can take our thousands in mexico? Anyway that's not the bad part. I got declined when I paid for dinner I then owed this man money i said I was driving to the bank the next day if he trusted me ill come back ( not an ideal situation in mexico) drove to the bank, has no trouble getting thousands out the day before. Didn't work, I had to ring them from abroad which costs a fortune. First phone call got cut off. No call back. 2nd phone call woman tells me to change my pin I said I didn't want to do that I dont think it will work, she's like trust me mam im from the bank I've seen this before , she tells me turn my phone off, put in aeroplane mode and she promised she PROMISED she will call me back. That liar never called me back and of course it didn't fix the problem. I rang for a 3rd time this whole time im stood at the side of a busy mexican street with my dog, crying wandering how the hell im gonna access money ( I drove there because of my dog so I couldn't even just abandon my plans and fly home) the 3rd woman on the phone is now telling me why did you change your pin you shouldn't have done that....CIBC TOLD ME TO!!!! She then wants me to go to a merchant and test my card. I try....she tells me try again I said what do you think will
Change if I keep trying merchants they all speak Spanish and nobody understands me its just declining. I ask to speak to supervisor. It took another hour and 20 minutes ( despite this being CIBC fault guess who will foot the bill for being hours on the phone? Me! )He makes me go to merchant after merchant like anything is going to change. Bank after bank. After over an hour and half on the phone he decided its the chip on the card is damaged. I don't believe it. I think that just helps them remove blame from themselves

Anyther thing about the crap cards they send...the nunbers will rub off in less than 3 months they are cheap and useless. Unlike TD and every other bank I have ever used they don't put the numbers on like braille. So when they are gone its gone, its so difficult! I don't know my nunber or my expiry.

Thank god I had my credit card because we could link it and I was able to use it. Why it took 3 phone calls and hours on the phone to determine that I dont know.

Why 2 people didn't call me back I don't know. The second one promised me, I was crying I ws vulnerable i was scared she knew this and she LIED. This lott couldn't arrange a drink up in a brewery. Useless bank. I won't even start on the last time they got me stranded in mexico ....let me take out thousands all week on holiday...blocked me at the airport trying to pay 10 for a ETA did they call me to ask if it was me? No? Did they block me before asking? Yes? Did I miss my flight? Yes. Becauese of CIBC.

THIS BANK WILL PUT YOU IN THE WORST POSITION IMAGINABLE. THEY DONT CARE THEY WONT HELP AND THEY WONT FOOT THE BILL FOR AND STRESS ANDTHE PROBLEMS THEY CAUSE. I CANNOT WAIT TO COME BACK AND LEAVE THIS BANK. I HATE THEM DO NO DO IT TO YOURSELF PLEASE! YOU WILL HAVE NOTHING BUT ISSUES I HAVE NEVER HAS PROBLEMS WITH MY BANK UNTIL I MET CIBC

A week and a half ago I witnessed my friend wait on the phone for one hour, then the CIBC phone system hung up on him, then he waited over an hour and a half again to get a condescending, useless representative “attempt”to help him login online unsuccessfully. I watched him call everyday for a week and a half, each time they couldn’t help him log in.
Today, a very rude condescending representative helped him by simply letting him know the CIBC system had problems with some specific symbols, so not to use those symbols.
All other representatives apparently did not know this, and I wonder how many other clientele suffer through stupid frustration, and can’t access necessary funds all because of CIBC representative ignorance.
THANK GOD I DON’T BANK WITH CIBC !!

Waited over 3 hours over two call for Visa Card action. Hung up. Set up a call back via Chat bot. No call back. I'll now walk into the branch to fix my cards....service is below poor and for a large company that makes billions you'd think customer service is paramount. Very poor!