Problem resolution process
At RBC Royal Trust we strive to provide a high level of client service. If you have a problem or a complaint about your account, we encourage you to contact us so that we can review and resolve your issues. If you make a written or verbal complaint about a product or service offered by RBC Royal Trust or about an employee, we will follow our internal complaint policy and respond to your complaint in a timely and fair manner.
Step 1–Contact your Trust Officer/Relationship Manager
Speak with your Trust Officer or Relationship Manager about your concerns so that they can review and try to address any issues you have. If you prefer, put your complaint in writing.
Step 2–Contact the Regional Vice President
If your Trust Officer or Relationship Manager is not able to address your concerns to your satisfaction, ask them for the name of the Regional Vice President responsible for the office where your account is held, and speak with them. If your complaint is unclear, the Regional Vice President will ask you to put your concerns in writing so that they can be thoroughly reviewed and responded to appropriately.
Step 3–Contact RBC Royal Trust’s national office
If we have not been able to resolve your complaint to your satisfaction, contact RBC Royal Trust’s national office by telephone at 1-855-833-6511, or in writing by email to email@example.com, or mail to this address:
RBC Royal Trust
20th Floor – 155 Wellington Street West
Toronto, Ontario M5V 3K7
Attention: Client Contact Centre
Complaints are responded to as soon as possible. However, this process may take up to 90 days depending on the subject matter involved. A written or verbal status update will be provided to you with a revised expected response time frame if the national office’s review and response to your complaint will not be completed within the 90-day period.
Step 4–Escalate your complaint
If the issue is not resolved after consulting the above contacts, there are a few options available to you:
The RBC Office of the Ombudsman
If you are not satisfied with the response to your compliant you have received so far, you may ask the RBC Office of the Ombudsman to review your complaint.
To contact the RBC Office of the Ombudsman:
P.O. Box 1, Royal Bank Plaza
Toronto, Ontario M5J 2J5 Tel: 1-800-ROYAL® 4-2 (1 800 769-2542)
The RBC Ombudsman’s services are free. The estimated time that the RBC Ombudsman takes to review and provide a response to matters is within 90 days upon receipt of a signed client consent form; however, complex investigations may take longer to resolve.
The RBC Ombudsman is employed by RBC and is not an independent dispute resolution service. The use of the RBC Ombudsman process is voluntary and the limitation periods for escalation to the ADR Chambers Banking Ombuds Office (ADRBO) or the Autorité des marches financiers (AMF) or to commence a civil action continue to run while the RBC Ombudsman reviews your complaint. Escalation to the ADRBO or AMF or the RBC Ombudsman does not affect your rights for taking legal action in the civil courts.
Third-party complaint-handling process for this institution
ADR Chambers Banking Ombuds Office
If you reside outside of Quebec, you may escalate a banking complaint directly to ADRBO without going to the RBC Ombudsman if you do not receive a final response to your complaint within 90 calendar days of our receiving your complaint in Step 2 or Step 3, or if you are not satisfied with the outcome or examination of your complaint.
You have 180 calendar days after receiving a final written response or a 90-day expiration letter to escalate your concerns to ADRBO.
ADRBO is a private company that operates independently of the participating banks. Its services are free of charge to those making the complaint.
To contact ADRBO:
31 Adelaide Street East
PO Box 1006
Toronto ON M5C 2K4 Tel: 1-800-941-3655
Autorité des marches financiers
If you reside in Quebec and you are not satisfied with the outcome or with the examination of the complaint, you may request that your complaint file be transferred to the AMF at any time. Following the transfer, the AMF will examine the file and, if deemed appropriate, may offer dispute resolution services.
To contact the AMF:
Place de la Cité, tour Cominar
2640, boulevard Laurier, bureau 400
Québec (Québec) G1V 5C1 Tel: 418 525-0337
Fax: 418 525-9512
800, square Victoria, 4e étage
C.P. 246, Place Victoria
Montréal (Québec) H4Z 1G3 Tel: 514 395-0337
Fax: 514 873-3090
Toll Free: 1 877 525-0337