Manulife Bank complaint resolution process

At Manulife Bank and its subsidiaries, including Manulife Trust, we believe that complaint resolution is important and it is incumbent upon us to respond to complaints promptly, accurately, and with the utmost courtesy. We will provide our customers with accessible means with which to communicate their complaint, and will employ our best efforts to respond and resolve where possible. All complaints and personal information collected, whether written or verbal, must be handled in a timely, professional, and confidential manner. Our clients are entitled to no less.

Customer Satisfaction and Complaint Resolution Pamphlet (PDF)

To ensure that your questions or concerns are addressed as quickly as possible, please follow these steps:

If you are not completely satisfied with our staff member’s response, ask to speak to the manager in the department.

If your complaint is not resolved within 14 days at the first step, it will be transferred to the Complaints Office or if you are not satisfied with the manager’s response, you can escalate your complaint to the Complaints Office for an additional review.

Call us toll free at: 1-855-891-8671
E-mail us at: 
 Manulife_Complaint_Office@manulife.ca

What you can expect
Upon receipt of an escalated verbal or written complaint, your concerns will be acknowledged and an investigation will begin.

The complaint investigation
We may:

• Contact you to clarify information you have already provided;
• Contact you to request additional information in writing;
• Share your complaint and supporting documentation with your advisor, if applicable;
• Request additional information from other parties involved;
• Provide you with updates throughout the complaint handling process;
• Advise you of any action we will be taking

Our response to you
Once the investigation has been completed, you will receive a written response explaining the reasons for the decision.

If the Complaints Office is unable to resolve the problem to your satisfaction, please write to:

Client Dispute Resolution Office
Manulife Bank of Canada and
Manulife Trust Company
500 King Street North
PO BOX 1602, Station WATERLOO
Waterloo, Ontario N2J 4C6

Email us at: ClientDisputeResolutionOffice@manulife.ca

The CDRO aims to resolve each complaint as quickly as possible, however, should this exceed 56 days from the date you filed your complaint at Step 1, you have the option for external recourse in Step 5. Once your complaint has been investigated by the CDRO, you will be sent a written response.

Annual CDRO Complaint Report (PDF)

If after following the above steps, you continue to remain dissatisfied and wish to pursue your complaint, or your complaint has not been resolved within 56 days since you raised your complaint in Step 1, external recourse is available to you, through The Ombudsman for Banking Services and Investments (OBSI). OBSI is part of the Financial Services OmbudsNetwork (FSON), which is a national industry-based dispute resolution system for consumers of financial services. The OBSI deals with concerns about banking and securities investment products and services that have not been resolved through the company’s dispute resolution system.

Toll free telephone: 1-888-451-4519 or from Toronto (416) 287-2877

In the province of Quebec, the regulatory body for financial institutions is the Autorité des marchés financiers. If after dealing with the Manulife Trust Client Dispute Resolution Officer, you remain dissatisfied with the way in which your complaint has been handled or with the results of process, you may ask that your file be transferred to the Autorité. You can reach the Autorité by calling toll-free at 1-877-525-0337 or, in Quebec City, at 418-525-0337, in Montreal at 514-395-0337, or online by visiting the AMF website.

The Financial Consumer Agency of Canada supervises all federally regulated financial institutions, which includes banks, (financial institutions), for compliance with federal consumer protection laws. 

Financial institutions are legally required to have a complaint-handling process in place.

If you have a problem with a financial product or service, you may file a complaint with the responsible financial institution directly.

If you are not satisfied with how your complaint has been handled or 56 days has passed since you made your complaint, you can escalate the complaint to the following External Complaints Body: The Ombudsman for Banking Services and Investments (OBSI). Details about OBSI can be found in Step 5.

If you want to know your rights or need information about the complaint-handling process of a financial institution, you may contact FCAC by online form, mail, or telephone. FCAC uses information from consumer enquiries to support its mandate.

Web site: https://www.canada.ca/fcac

Online form: https://www.canada.ca/en/financial-consumer-agency/corporate/contact-us.html

Phone: 

For service in English: 1-866-461-FCAC (3222) 
For service in French: 1-866-461-ACFC (2232) 
For calls from outside Canada: 613-960-4666
Teletypewriter (TTY): 1-866-914-6097 / 613-947-7771

Video Relay Service: FCAC welcomes Video Relay Service (VRS) calls. You do not need to authorize the relay service operator to communicate with FCAC. Visit https://srvcanadavrs.ca/en/ to learn more.

Mailing address: 

Financial Consumer Agency of Canada 
427 Laurier Avenue West, 5th Floor 
Ottawa ON K1R 7Y2