Desjardins complaint?

Do you have a dispute or a bad customer experience with Desjardins? Report it through our website to maximize the chance of getting it resolved.

We help you write an effective complaint in minutes. Our AI models are trained on thousands of effective complaint letters. Then we push it through emails, social media, paper complaint letters and other tools at our disposal. And you are not alone: our helpful community is there for advice.

The Desjardins member service number in Canada is 1-800-224-7737. Because each caisse is somewhat autonomous, the quickest route for an account, loan or mortgage question is usually your own caisse: its name is on your statement and its advisers answer through the secure message centre in online banking. Card, insurance and investment matters run through separate Desjardins teams, so say which product the call is about in your first sentence.

Have your member number, the account or policy number, the dates that matter and any reference number from an earlier call ready. After the call, send a secure message summarising what was agreed, so the promise exists in writing and not only in somebody's call notes.

Passed between your caisse and a service centre with the same account problem? Start it through our complaint process: we help you write the complaint in minutes, drawing on thousands of complaint letters that actually worked.

Check first whether the problem is a general Desjardins outage or something on your own access, because the two need different letters. Desjardins posts service notices in the app and on its site during a general outage. A login that fails while other people are getting in usually points at your own access instead: a locked personal code, an expired card, a new device, or a security block after several wrong entries.

What matters for a complaint is the damage, not the downtime. Screenshot the error message with the time visible, note the payment or transfer that could not go out, and keep whatever followed: a late fee from a third party, a returned payment charge, interest, a missed deadline. Ask in writing for the outage to be confirmed for your account and for any resulting charge to be reversed, and keep the ticket number.

Payment missed because the app would not let you in? Report it here and we push it out by email, social media and printed letters, at the caisse and at the group.

Desjardins does not publish one timeline for every claim, because home, auto, life and travel claims follow different steps and depend on what the adjuster still needs. Ask for three dates at the start: when the claim was opened, when a decision is expected, and when the next contact is due. Ask for every decision in writing, a partial payment or a reduction included, with the policy clause it relies on.

Build the claim on documents. Keep the policy wording and the declarations page, the proof of loss and your photographs, repair or replacement quotes, receipts for anything you paid in the meantime, and a dated note of each call with the adjuster's name. Where an amount has been cut, ask exactly how it was calculated and which limit, exclusion or depreciation was applied.

An insurance complaint in Quebec can be escalated inside Desjardins to the group's complaint handling officer, and after that to the provincial financial sector regulator, which can review how the complaint itself was dealt with. Ask for a copy of your complaint record when you escalate: you are entitled to see what was passed on.

A held transfer at Desjardins is normally a verification step rather than a judgement about you: a new payee limit, a first large Interac transfer, an out of pattern amount, a hold on a deposited cheque, or a fraud screen triggered by a new device or a trip abroad. Ask which of those applies, because each one has a different way out.

Have the details that identify the payment ready: the amount, the date and time, the destination account or payee name, the transfer reference number, and the message that appeared on screen. Where a hold was placed on a deposited cheque, ask for the hold period that was applied and for the release date in writing.

A hold has consequences that the release date does not undo. Note the bill that went late, the fee you were charged and the interest that accrued, and put those amounts in your complaint so they can be reversed rather than merely explained.

Nothing has been reported about Desjardins here yet. Our research shows what typically goes wrong at a large financial cooperative: long waits to reach an adviser or the call centre, online and mobile banking outages, mortgage and loan applications that move slowly between the caisse and head office, insurance claims that are delayed, reduced or refused, service charges nobody expected, and payments or transfers held by security checks.

Recognise the claim that sits between your caisse and head office while the repair bills keep arriving? Open the record with your case, and other members with the same claim can say what finally moved theirs.

Your complaint gets its own public page on Complain.biz and we get to work: we bring it to the attention of Desjardins through emails, social media, paper complaint letters and other tools at our disposal.

And we stay with it after you file. Our trained AI opens a case file for you and keeps coaching: what to reply, when to push again, and how to escalate if nothing happens.

Yes. We have an active community of consumers, and complaints here are public: people who ran into the same problem with Desjardins can give you advice or back you up with their own story. A complaint with a community behind it is much harder to overlook.