Savings accounts - Pre-authorized debit not stopped

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If you’re paying via PAD, you’ll have some protection from unauthorized transactions. Anyone taking money via PAD has to have a reimbursement statement in their agreement, giving you the right to receive reimbursement for any unauthorized debit or debit that isn’t consistent with the PAD (for example, a payment for an incorrect amount). 


Generally speaking, you’ve got 90 days from the date of the withdrawal to report an incorrect or unauthorized PAD.

You should know

Where available we include the Internal Ombudsman of a bank in the escalation process. This is in-line with the FCAC complaints process guidance:

https://www.canada.ca/en/financial-consumer-agency/services/complaints/file-complaint-financial-institution.html

If you already have a final response from your bank that is not to your satifaction, you can choose to escalate for a Third Party Review regardless of whether you have been to the Internal Ombudsman.

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