Guide

Bank fees, errors and disputes: getting a correction and switching banks

Fees that appear, a contested transaction, a changed rate, a product sold without need: a financial institution has a disclosure duty and a mandatory complaint process. Here is how to use it.

Check before acting

Fees that appear, a contested transaction, a changed rate, a product sold without need: a financial institution has a disclosure duty and a mandatory complaint process. Here is how to use it.

The internal complaint is a mandatory step, and it leaves a trace

Every financial institution must have a complaint process: a recipient, a response deadline and a written decision. A call centre promise creates no enforceable record.

Official sources

Sources: Autorite des marches financiers (https://lautorite.qc.ca/en/); Financial Consumer Agency of Canada (https://www.canada.ca/en/financial-consumer-agency.html). Checked September 20, 2026 — amounts, deadlines and fees are not reproduced here: confirm with the official source.

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