Financial and Consumer Affairs Authority

Please be advised that the FCAA will relocate to a new office on April 3, 2023. Our new address is: Financial and Consumer Affairs Authority of Saskatchewan
4th Floor, 2365 Albert Street, Regina, SK, S4P 4K1

Important Notice:
- Licensees, registrants, and businesses should pay fees by credit card where possible.

General Notice:
- Messages sent from FCAA's Registration and Licensing System (RLS) are sent from fcaarls@gov.sk.ca. Please add this sender to your safe senders list.

FCAA Registration and Licensing System

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Web Form - 2022-08-29

Your issue has been submitted to FCAA for review.

Instructions
Financial and Consumer Affairs Authority (FCAA) protects consumer and public interests and supports economic well-being through responsive marketplace regulation. We protect Saskatchewan consumers by regulating financial products and service providers in an effective, efficient and balanced manner.

Our secure online form below is available for your convenience. If you experience any troubles with the below form, please call our office. If your submission is successful, you will 1) see a confirmation message on the webpage and 2) receive a confirmation email (if you provided an email address). If you do not see these confirmations, then your submission was not successful. You may wish to make a new submission and you may wish to contact our office.

We’re here to help. If you would like to speak to someone in person, please call us: 306-787-5645.

Please use these tips to help you complete the form:
- Only have one form open at a time (do not have another "questions and complaints" form open on any browser window; do not have the Registration and Licensing System (RLS) open on any browser window; do not have FCAA 411 open on any browser window)
- Keep your information safe. Do not forward this webform link to anybody. To submit a new question or complaint, people must go through the link found on www.fcaa.gov.sk.ca and must trigger a new question or complaint submission.
I would like to:Submit a Question or CommentSubmit a Complaint
The Financial and Consumer Affairs Authority of Saskatchewan (“FCAA”) is subject to The Freedom of Information and Protection of Privacy Act (“FOIP Act”). As such, the personal information you provide will be used or/and disclosed in accordance with the provisions of the FOIP Act, including for the purpose of responding to your comments/concerns.
Submission Information
After you complete this form, click "Submit to FCAA". You will receive an confirmation of submission by email. If you do not receive that email, then please redo this form or contact the FCAA.
As of March 21, 2023, all consumer protection-related complaints can be submitted to the Consumer Rights service after completing the Consumer Rights pathway. To learn more about this service, its features, and how it can help resolve your dispute or process your complaint, visit https://fcaa.gov.sk.ca/consumer-rights

Please provide as much information as possible.

Please use this guide to help determine which division to select:
- Please select "Consumer Credit Division" for matters related to trust, loan, and financing corporations, loan brokers, payday lenders, mortgage brokerages, mortgage brokers and associates, and mortgage administrators.
- Please select "Insurance and Real Estate Division" for matters related to licensed insurers and special brokers.
- Please select "Pensions Division" for matters related to pension plans registered in Saskatchewan.
- Please select "Other" if you are not certain of the applicable division.
NOTE: For Securities or Investment complaints follow this process: Click Here.
Please indicate which FCAA Division that you believe your complaint is best suited to be reviewed by. If you do not know which Division to select, please select "Other". On submission, your complaint will be forwarded to the appropriate FCAA Division.Consumer CreditPensionsInsurance and Real EstateSecuritiesOther
Please provide the name of the key individual or company involved:
Please provide the names and addresses of the individuals and/or companies involved and your relationship (i.e. employee, partnership, etc.) to them. Tell us about the company and/or individual(s) involved:succursale.03811@bnc.ca Name is machyla +1-888-835-6281 National bank of Canada -Quebec City of Regina property tax department
Please provide a detail description of your complaint, including key dates.National bank pays my property tax through a tax reserve account. In June 2021 the city of Regina did not receive their payment. NBC tried charging me for the error. They took out an extra $188 on march 1 2022 on top of the regular $107 for property tax. I have paid monthly for 7 years to nbc. I have sent documents to them from the city of regina. That’s when I noticed they have paid late for prior years and have been charged a late payment fee that has been added to my monthly tax payment, but I have always paid on time. National bank charges me $107 a month property tax but through the city “tips” it is $98. I have closed my tax reserve account with nbc as of July 1 2022. They continue to tax monthly property tax out of my account. I’ve received letters and emails saying I am getting a refund. This issue has been going on since March 2022. It should have been dealt with by now. I keep getting the run around that they are waiting on the tax department.
Tell us about the investment product, consumer goods, or services, if applicable Provide the name of the goods, services, or investment product. Depending on the nature of the complaint, we may require additional information such as file or reference numbers, account details, amount of goods purchased, and date of contract. If your complaint is related to an investment, tell us how much you invested and when.Mortgage and overpayment of property tax
Who have you contacted about this matter?
Check all that apply.The company or firmThe individual(s) who sold the productOther provincial or territory regulatorsOmbudsman for Banking Services and Investments (OBSI)Better Business BureauLocal PoliceOther
If other, please describe
Tell us what steps you've taken: What steps have you taken to try to resolve your complaint so far? Include whether or not you have started legal action, or details of any contact you've had with other organizations.Numerous phone calls and emails. I filed a complaint online with the complaint department through the bank. I look on CRA website and said that step 2 was to deal with the complaint department. Seemed very helpful at first. But now it’s been months and nothing has been solved.
Tell us what you would consider to be a fair resolution to your complaint.I would like to have my refund plus my insuf fees repaid
Do you have any additional comments?We also have our house up for sale and wondering if we should pay them the penalty to break our term agreement. 3 years left. Or resign with the same bank. I feel like I don’t trust them at all.
Please provide us with any documentation that you wish to provide at this time.
Do you have documents you wish to upload?YesNo
Your Contact Information
Please tell us about yourself (provide as much information as possible).
First Name*
Last Name*
Address
City
Province / State
Postal Code / Zip Code
Country
Phone*
Alternate Phone
Email*
Alternate contact information
ONLY provide other contact information if you want FCAA to correspond with someone other than yourself (include full name, address, phone and email)
Are you submitting this complaint form on behalf of a complainant other than yourself?YesNo
Consent
The Financial and Consumer Affairs Authority of Saskatchewan (“FCAA”) is a regulatory body comprised of different divisions that administer a number of regulatory programs under various legislation and regulations (“Regulatory Laws”).

PLEASE NOTE: The Freedom of Information and Protection of Privacy Act (“FOIP Act”) applies to FCAA as a government institution. As such, the information, including personal information, you provide on this form is being collected by FCAA in order to review and investigate your complaint. The information will be used or/and disclosed for regulatory purposes and as authorized under the FOIP Act and Regulatory Laws. In particular, some or all of the details of such information may be used to take regulatory proceedings, and may be disclosed to the subject of your complaint in order to allow them provide a response to the complaint.

If you have any questions on the above, please contact FCAA at 306-787-5645 or fcaa@gov.sk.ca.
Your issue has been submitted to FCAA for review.