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Here's Where I Trash the $%($ Out of Manulife Banking
May 20, 2021
5:02 pm
archangel
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Here I was trying to take advantage of their 2.00% promo (not worth the hassle)...

Signed up. That part was flawless, and 100% online. Congrats, Manulife. That's where the good ends.

To link an account, you need a cheque image. What is this, 1872? C'mon, FIs, take a look at the likes of, say, Tangerine, on how to do this right. I am one of those unfortunate buggers that goes by my middle name - a truly cruel thing to do to your child, parents, as FI signups are a PITA! How is it possible, in this day-and-age, that this is still a problem? I signed up with the name by which I go, which is what I always do now. Hell, they did a look up to Equifax or Transunion where they were able verify my full, legal name, and let me sign up just fine.

FIs: Ask for the full, legal name, which you can verify against Equifax or Transunion, and have a toggle select for the name by which you go. Simple. I just solved a world problem - send me all the royalties.

I start moving funds over to this other FI's chequing account, that earns, basically, no interest. And there is sits, rotting away...amassed upon the border, sans the command to send in the troops.

1. Cheque rejected because it's my legal first, middle initial (name by which I go), surname. They send me an email thus, requesting a "bank-stamped confirmation letter". I get on the phone to confirm. Great.
2. I request & get that from other FI. That cost me $16.50.
3. Send over to Manulife. Days pass. No word. Nothing. Call up. Oh, that was rejected. What do you mean it was rejected, and why didn't you tell me thus - it was exactly of what you requested of me? Send us a pic of your drivers license. I said - I bet you folks never get back to me, after I send this. Oh, no, she said - that comes right to our department - it will be resolved in 1-2 business days. BS.
4. License cap sent. Days pass. No word. Nothing. Log in - still not linked. Meanwhile, a large sum of money sits waiting, amassed upon the border, earning nothing. And the promo is predicated upon 120 days from when you SIGN UP, not when you make your first deposit, so that, too, is eroding away.

Worst linking "technology" ever - I've never had any issue linking any other FI to any other FI. And whilst the support was pleasant enough, they speak words devoid of caloric value.

At this point, I'm probably out ~$50-70 just chasing after their promo.

I'm just going to move it to somewhere (that actually has post-war-era type transfer technology), and link from ANOTHER FI to them, circumventing their garbage. *bleep* you, Manulife, you're going to take my $ and like it. And then I'm going to withdraw it, after the bonus period, and badmouth you forever, to whomsoever will listen, in order to attempt to negatively impact in any way I can.

May 20, 2021
11:52 pm
HermanH
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archangel said
I'm just going to move it to somewhere (that actually has post-war-era type transfer technology), and link from ANOTHER FI to them, circumventing their garbage. *bleep* you, Manulife, you're going to take my $ and like it. And then I'm going to withdraw it, after the bonus period, and badmouth you forever, to whomsoever will listen, in order to attempt to negatively impact in any way I can.  

Oh, c'mon. Don't be so harsh with Manulife. After all, even a galactic civilization with trans-warp capability (like the Empire had in Rogue One) needed to blow up a space station before they could attach and transmit/e-mail a single file (with the Death Star plans) to the Rebel fleet. 🙂

May 21, 2021
5:12 am
KamWest
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I feel the pain, my dad passed away and had altered his last name by 1 character and to top it off stopped using his first name and substituted John.

What a bloody mess, the death certificate had so many names on it it made me cringe but that was the only way I could get everyone to accept it.

It took 9 different copies of the death certificate before all the financial institutions accepted it.

To the OP.... I feel your pain!!

May 21, 2021
5:27 am
Corange
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I also opened an account with Manulife to try to get 2% on Monday, I have nothing weird going on and still took an hour to jump through their hoops. It's Friday now, and my account still isn't functional. Guess we have learned not to bank with these guys.

May 21, 2021
7:23 am
Norman1
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Don't cause yourself and others problems. If one is going to adopt a different name for legal purposes, then one should do a proper name change.

As one relative found out, land title offices will not accept the power of attorney when the donor's name on the power of attorney doesn't match the name of the registered owner of the property. Donor can no longer sign a new power of attorney legally because of diminished mental capacity.

Good luck too in getting a passport in one's married name if one's name on the marriage certificate doesn't exactly match one's legal name before marriage!

May 21, 2021
7:30 am
archangel
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Norman1 said
Don't cause yourself and others problems. If one is going to adopt a different name for legal purposes, then one should do a proper name change. 

I texted my mommy and told her how pissed I was that she chose to name me by my middle name. Does that count?

May 21, 2021
7:55 am
harbottle
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It's a simple process to do a legal name change. After that, no hassles in changing all FI accounts over with a Change of Name Cerificate. (and even get a new birth certificate with your new legal name, which took nearly a year sf-smile).

I did this 25+ years ago to change my first name to my middle name and added the name I preferred to be called as my first name. Easy peasy.
The hard part was getting a new SIN issued with your now new legal name ---> which then would be used to change the name on your CPP records, etc.

May 21, 2021
8:05 am
Dean
Valhalla Mountains, British Columbia
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Norman1 said

Don't cause yourself and others problems. If one is going to adopt a different name for legal purposes, then one should do a proper name change.

As one relative found out, land title offices will not accept the power of attorney when the donor's name on the power of attorney doesn't match the name of the registered owner of the property. Donor can no longer sign a new power of attorney legally because of diminished mental capacity.

Good luck too in getting a passport in one's married name if one's name on the marriage certificate doesn't exactly match one's legal name before marriage!  

    This ⬆

There's too many people being their own worst enemies, and then placing
the blame on others ❗ sf-confused

    Dean

sf-cool " Live Long And Prosper " sf-cool

May 21, 2021
8:20 am
archangel
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Thanks for your 2 cents, Dean. Both the "bank-stamped confirmation letter" and my license contained my full, legal name, both of which they said would be used to quickly rectify the situation. And my license also has my birth date & address, which could also be verified.

May 21, 2021
8:27 am
Dean
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archangel said

Thanks for your 2 cents, Dean. . . .  

      Dean sf-smile

sf-cool " Live Long And Prosper " sf-cool

May 21, 2021
9:03 am
smayer97
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On the topic of name conflicts, here's another situation....

My birth name is in a different language. I came to Canada when I was a baby. The federal government accepts and recognizes translations of ones name to an English equivalent and will place that on your documents. I have used my English name all my life and is on all my legal documents, with all levels of governments, banks, mortgages, land titles, insurance policies, court documents, etc, etc, etc. and on my Canadian passport, except my Canadian citizenship card (note these last 2 have "different" names BUT issued by the Federal government).

One day I decided to try to take advantage of the enhanced driver's license (EDL) option, issued by the Provincial government, instead of renewing my passport for a trip my family was taking. They requested proof of citizenship, so I brought in my citizenship card. When they recorded my info for the EDL they chose to "update" my name on my driver's license.

It took a moment for me to realize the implication. Driver's license is used to confirm my identity in so many places. But now there would be a mismatch between all my life's documentation and I would have the HUGE hassle of updating ALL my documents.... or having to do a legal "name change" back to my English name JUST to satisfy the Provincial government, which I did not want to do., nor had the time to do.

I then had to fight for a long time, escalating to managers, and so on (who for the longest time just refused to make the correction claiming it was already in the system and could not be changed) to get the Ministry of Transportation to change back my records to my English name that is legally recognized by ALL OTHER institutions and governments, and then undo and cancel the EDL request, because at that point they refused to recognize my English name as my legal name, even though my passport showed that as my legal name.

How a Provincial office has a different standard as to what is accepted as a legal name vs the Federal government on a matter of immigration and border control, where one accepts translated names and the other does not, for a matter that you would think falls under the purview of the Federal government, is beyond me.

That was a very harrowing experience. Be very mindful of the implications of name discrepancies on legal documents.

May 21, 2021
9:19 am
HermanH
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I hear ya. I recently went through the process with my aged mother. She allowed her provincial drivers' licence to lapse because she never drove and did not want the hassle of renewal (test & medical exam). She wanted to save money, so did not revert to the provincial ID card option.

When she tried to get a new bank account to take advantage of a promotion, she had no current ID. None of the forms she normally carries qualified as ID (i.e. Health Care card or SIN). She was born in the PRC and came to Canada in '54. Her Citizenship papers show a different name and she has no birth certificate. She has used her English name (and then her married name) all her life.

She tried her marriage certificate, but it is no longer valid since it has no eSignature capabilities. Finally, we decided to just get her a passport. She has been able to get one in the past with her Citizenship certificate. We sent all the stuff (and I lay awake at night in fear of its loss) and finally received her passport good for 10 years. Hopefully, it will last for her remaining years. I have nightmares of her losing her original documents, thus stranding her as a non-person in the eyes of the government. I can only imagine the hardships someone faces if they lose their documentation through fire.

These are first-world problems. Just imagine how terrible the situation would be for someone in flight under wartime conditions.

I may also have some problems in the future, as I am of Chinese descent. The authorities often mix my family name with my middle name, due to the way we address ourselves with our family name first. At least I have strong English skills to explain the situation, if it should ever arise.

May 21, 2021
9:20 am
smayer97
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harbottle said
It's a simple process to do a legal name change. After that, no hassles in changing all FI accounts over with a Change of Name Cerificate. (and even get a new birth certificate with your new legal name, which took nearly a year sf-smile).

Well that is a huge contradiction if I ever saw one... "...simple process...", "... no hassles...", "... get a new birth certificate...", "took nearly a year". oh boy...

As per my story, a name change can have HUGE implications. The more documentation you have out there, the more complicated it gets. The later in life you do this, the greater likelihood of that.

May 21, 2021
9:41 am
archangel
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Thank you for sharing your stories, folks...those are certainly tougher situations than my transient, "high" interest privilege.

May 21, 2021
10:53 am
Norman1
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smayer97 said

Well that is a huge contradiction if I ever saw one... "...simple process...", "... no hassles...", "... get a new birth certificate...", "took nearly a year". oh boy...

As per my story, a name change can have HUGE implications. The more documentation you have out there, the more complicated it gets. The later in life you do this, the greater likelihood of that.

It is not a big issue if one has the legal documents to link the names together. One will have the name change certificate that does just that if one does a formal legal name change. The provincial marriage certificate also does that in many provinces.

Issues arise because people don't have a recognized legal document that links the names together.

The friend with the marriage certificate problem didn't realize there was a problem until a few years after her husband passed away. Apparently, she and her husband never needed a provincial marriage certificate before. Perhaps, the banks used to accept those commemorative marriage certificates issued by the church or a copy of the record of marriage that the priest signed and sent in to the provincial government. Not anymore!

Technically, she has no legal document that she was married to him all those years!

May 21, 2021
12:08 pm
mebe
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I signed up for the Manulife 2% rate, advantage account last week. Pulled money from EQ and was getting the interest within 2 days, and the actual money from EQ was removed the day after. I just entered transit number and institution number for EQ and used void EQ online cheque image.
Easy and quick setup and all online. My Manulife Debit card and pin # arrived yesterday and today (pin arrived today).

Glad I didn't need to mail a cheque to link my EQ account.

May 21, 2021
12:54 pm
Norman1
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mebe said
…. I just entered transit number and institution number for EQ and used void EQ online cheque image.
Easy and quick setup and all online. My Manulife Debit card and pin # arrived yesterday and today (pin arrived today).

Glad I didn't need to mail a cheque to link my EQ account.

Good to know that Manulife Bank will accept that simulated void cheque image from EQ Bank as confirmation of the EQ Bank account.

May 21, 2021
1:14 pm
Norman1
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archangel said

I texted my mommy and told her how pissed I was that she chose to name me by my middle name. Does that count?

Unfortunately, that's not going to help later on when dealing with, for example, the land titles office.

Definitely don't try that for an airline ticket. Used to be if the ticket was for "Alice Smith" there was no further check if the passenger appeared to be female and Caucausian. Now, people can have issues boarding if ticket says "Alfred Strauss" but their ID says "Alfred Strauß".

May 21, 2021
2:54 pm
harbottle
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smayer97 said

harbottle said
It's a simple process to do a legal name change. After that, no hassles in changing all FI accounts over with a Change of Name Cerificate. (and even get a new birth certificate with your new legal name, which took nearly a year sf-smile).

Well that is a huge contradiction if I ever saw one... "...simple process...", "... no hassles...", "... get a new birth certificate...", "took nearly a year". oh boy...

As per my story, a name change can have HUGE implications. The more documentation you have out there, the more complicated it gets. The later in life you do this, the greater likelihood of that.  

The process for a new birth certificate was straight forward. It took about a year of waiting for processing. In the meantime, the old birth certificate was valid accompanied with the Change of Name Certificate. i didn't want to carry 2 pieces of paper.sf-wink

May 21, 2021
3:21 pm
smayer97
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Norman1 said

smayer97 said

Well that is a huge contradiction if I ever saw one... "...simple process...", "... no hassles...", "... get a new birth certificate...", "took nearly a year". oh boy...

As per my story, a name change can have HUGE implications. The more documentation you have out there, the more complicated it gets. The later in life you do this, the greater likelihood of that.

It is not a big issue ....

Issues arise because ...

You are missing the point...

The big issue is that it takes a lot of time, effort, needing to make sure all your 'i's are dotted and your 't's crossed, and needing to track every step to make sure it was done and done correctly.

The issues arise because it takes time with many potential delays, people make mistakes, and it is too easy to overlook some document(s) and such...

Unless one has a VERY SIMPLE life, it may not be so simple.

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