Tangerine's complaint process
What is considered a complaint?
A complaint is any verbal or written expression of dissatisfaction with Tangerine, related to any Client service issue, products and/or policies and procedures.
A complaint may be provided to a Tangerine employee through a variety of sources or channels including verbally at a Café, by email, phone, mail or through social media.
How to escalate complaints
We are committed to providing our Clients with exceptional service, and we value and encourage feedback from our Clients. To ensure that your complaint is dealt with effectively and quickly, we ask that you follow the following steps. You are welcome to request a status update of your complaint at any time during the process.
Step 1: Contact one of our Associates
Contact one of our Associates at
Tangerine can also be emailed at email@example.com. However, this should be used for general inquires only, as it is not considered a secure form of communication. For our Clients’ protection, we ask that they call our Contact Centre directly to discuss Account specific details.
Step 2: Contact our Client Response Group
If the Supervisor is unable to resolve your issue, you can escalate the matter by writing to our Client Response Group at:
Our goal is to resolve your issue within 3-5 business days. If, for any reason, we can’t resolve the issue within that timeframe, we will let you know.
Step 3: Contact Tangerine's Ombudsman
If you have received a final response from the Client Response Group (CRG) and are still dissatisfied, you may contact our Ombudsman in writing.
The Ombudsman will complete an impartial review of all unresolved complaints that fall within his mandate and will provide you with a written response.
Step 4: ADR Chambers Banking Ombudsman (ADRBO)
If you are still unsatisfied after step 3, or your complaint to the Tangerine Ombudsman was not resolved within 90 days of the date you first brought your complaint to the CRG, you may go to the external ombudsman for Tangerine Bank - ADRBO.
The ADRBO is an independent and regulated body and can be reached at:
For matters related to Tangerine Investments, instead of the ADRBO, contact the Ombudsman for Banking Services and Investments (OBSI). The OBSI is an independent body appointed to serve clients of Canadian banks and other financial entities and can be reached at:
FCAC and the Internal Dispute Resolution Policy
If you feel that there has been a violation of your rights under federal consumer protection legislation, you may make a complaint to the Financial Consumer Agency of Canada (FCAC). The FCAC ensures that federally regulated financial institutions (including banks) comply with federal consumer protection laws and regulations, and it investigates any complaint that relates to a possible breach. Please keep in mind that the FCAC only deals with violations of your rights as a consumer (non-compliance of tied selling regulations, for example) and is unable to deal with complaints regarding general bank policies, such as the level of service provided by a bank employee, the inability to get money out of a bank machine etc.
Information about the FCAC, its role and consumer protection laws and regulations is available at www.fcac-acfc.gc.ca. The FCAC may be contacted at:
Financial Consumer Agency of Canada
427 Laurier Avenue West, 6th floor
Ottawa, Ontario K1R 1B9