Wednesday, May 9, 2007

Questrade - Review

Well I used my Questrade account yesterday for the first time so…now that I’ve had a little field experience actually using it I think I’m ready to give it a proper review. However, I would just like to point out that there are four different trading platforms available but the only one I’ve used and thus the only one I’ll review is the WebTrader platform.

The WebTrader platform is similar to the online platforms of the big banks however it is not as slick or user friendly.

-has decent charting tools for those of you interesting in technical analysis
-CHEAP TRADES. I can’t really over emphasize this. This is the real positive of Questrade. When you sign up you can chose from 2 different accounts:

1. $0.01 a share (minimum fee of $4.95)
2. a flat fee of $9.95 a trade (unlimited shares)

I chose option 1. However, if you were a real day trader into penny stocks option #2 would save you a huge amount of money compared to the fees charged by the big banks.

-No online help
-No research reports
-No online information on the fundamentals. Ie- P/E, P/B, revenue growth, earnings estimates etc...
-Screen layout is not as user friendly as the big banks
-Functionality is lacking compared to the big banks. ie- If you click on “positions” it shows you the securities that you own but you can’t click on them to get a quote, or click on them to sell them. The WebTrader does of course let you get real time quotes and sell securities but you can’t simply click on your positions. Instead you have to select “stocks” and then enter the information for the stock that you want to sell.
-Unlike the big banks you can’t just select “CDN” or “U.S” when buying securities you have to put in a period and the short form of the exchange that the security is listed on ie- Toronto = .TO Venture = .VN. I don’t really have a problem with this except that there is no online help outlining what the short forms are for the exchanges. However, if you do a symbol lookup it will display the security in the proper form ie-ZED.VN
-WebTrader does not catch errors on the fly. For example, when I put in my buy order for ZED I put in just "ZED" however, I should have put ZED.VN. I didn’t know my order wasn’t valid until I looked in my account history and beside my order status it said “rejected”
-Cannot built portfolios of stocks to create a watch list.

Despite all of the negatives I’ve mentioned above overall I’d say my Questrade WebTrader account is O.K but not great. What I would suggest to anyone thinking of switching over is don’t close your account at the big bank as Questrade literally offers no research or reports. I plan on using this account to buy securities that I don’t plan to hold forever (ie- any cyclicals) and will continue to use my big bank trading account to purchase securities that I plan on holding forever. In my mind $30 is a reasonable amount to pay for the features and security I get from trading with one of the big 5.


Anonymous said...

Hi MCM, do you know how Questrade compares to Interactive Brokers? I've been thinking about opening up an account there. They charge $.01 / share, with no minimum charge. They do however charge monthly subscription fees for market data. If you actively trade these fees could be waived.

Also your cash not tied up in investments earns either 3.75% or 4.0% calculated daily depending on your account balance.

Interested to hear if you've tried them out before.

Middle Class Millionaire said...

sorry shan. I've never tried it or even seen it in action (it's advertised almost non-stop on BNN though...). The fees sounds very similar to Questrade. Questrade does not have any additional fees above the trading commissions.

Anonymous said...

I use both IB and Questrade. I use qtrade for it's RRSP account as IB doesn't allow it. If you trade frequenty, then IB will end up cheaper than QTrade, especially their forex fees.


Anonymous said...

I've written a piece on Interactive Brokers.

I agree with MDJ's comment. Trading fee is the least of your worry if you plan to diversify across the border or if you want to buy on margin. You can recover your $120 annual fee with just a single exchange of $10,000 from Cdn to US.

I also use both discount brokers. QuesTrade for RRSP, and mostly Canadian securities in non registered. New US purchases will go to IB.

Unknown said...

Does anyone know if Questrade allows you to buy cross-listed shares on one exchange and immediately sell them on another exchange? example: buy 100 TLM on TSX, then sell 100 TLM on NYSE?

This is known as "Norbert's Gambit" (for those of you who are part of the Financial Webring Forum).

Apparently IB doesn't allow it which is why I am looking at Questrade...

Anonymous said...

Hi all,

Thank you for the comments…..the good and the bad ones. I would agree with some of you about the simplicity of the WebTrader platform. On its defence, it is a Free Direct Access platform. It offer cheap order execution; no middle man involved. There are several free websites that offer fundamental research.
A platform that you should all try a demo of is CyberTrader. It’s one of the most sophisticated platforms in Canada. Excellent order entry, stock screening, immediate execution. Check out the options trading on the platform.
If you’re trading more than 495 shares at a time Questrade is better than IB. You can trade as often as you like with us. We are not bound by US regulations when it comes to day-trading. You can start with as little as $1000. You can have more than 1 account on the same platform. The combined trades will count towards getting the more advanced platforms for free.
Tim, you can trade across exchanges but you have to call our trading desk for that. Were you fishing for arbitrage?
Thanks again for talking about Questrade.

Please get in touch with me if you have any specific questions.

Good luck trading,

Emil Vojkollari
Client Acquisitions Supervisor
Questrade Inc.
416-227-9876 x 380
1-888-783-7866 x 380

Anonymous said...

Hello Emil,

Thanks for taking the time to respond on here. If you are interesting in writing up a detailed post on all the advantages/disadvantages of Questrade -ie- a comparison of your product to others I would be happy to post it to my blog.


Anonymous said...

I guess they will not allow someone to have 2 accounts -

one with $0.01 a share (minimum fee of $4.95)

the other with the flat fee of $9.95 a trade (unlimited shares

Anonymous said...


You can have as many accounts as you like and you are free to chose different commission plans in your accounts.

Emil Vojkollari
Client Acquisitions Supervisor
Phone: (416) 227-9876 ext.380
Toll Free: 1-888-783-7866 ext.380
Fax: (416) 227-0078
Questrade Inc. | 5650 Yonge Street, Suite 1700, Toronto, ON M2M 4G3

Trade Stocks for $4.95

Anonymous said...

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Anonymous said...

The new platform that just came out, QuestraderPro, is a peice of shit. Orders are delayed, platform in general is tedious to use, the free level 1 quotes only show 3 prices. Just a total peice of trash. Don't sign up for questrade if you are an active trader, you will just be wasting your time and money.

Anonymous said...

Agreed. Questrade is a crappy crappy company. I can't believe this guy is posting his real name representing questrade on a public forum. Don't even bother with these jokers.

Anonymous said...

I use Quest to trade margin Forex. This is run by a different group of guys at Questrade. I've been very happy so far. After some negotiation, I got tight spreads. They throw in free eSignal charts, valued at $600/year. No monthly fees. And the forex account is insured by CIPF just like their stock accounts.

As for stocks, sorry I can't say...have never traded stocks with Questrade.

Anonymous said...

I have a feeling the support staff at Questrade either work out of a non-english-speaking country or as part of a program to employ the mentally disabled. Getting help even setting up an account was so frustrating I gave up.

Anonymous said...

Just though I would mention that interavtive brokers requires somthing like 10 thousand dollars to open an account.

Anonymous said...

I opened an account with Questrade lately, and had a few surprises. It was absolutely not mentioned anywhere during the whole application process that I was actually opening a MARGIN account. They automatically grant you credit that you have not explicitly requested, without even warning you. This is not particularly honest, I'm not even sure it's legal. Margin accounts can be very risky for inexperienced traders.

I transfered $2000 from my account with Disnat and started buying stocks as soon as the money arrived in my Questrade account (a few days later). I bought for around $2000 of US stocks... to find out that funds are not automatically converted. And that's how I actually discovered that I had a margin account! I didn't even have a warning screen or anything to tell me that I was buying on margin.

Questrade has so many websites. In order to use their service, you need to use:
- for information about their services
- to manage your accounts
- to trade stocks
- other websites if you want to trade other kinds of equity
- to see your transaction history

All of which require different user IDs with different passwords.

So let's say you want to buy US stocks but your account is funded in CAD. You expect that the funds will be converted automatically (as with any serious broker), but no. There is a warning about it on in the "pricing" section... But you're trading on

I found that Questrade tries very hard to hide all the information from you. They make it impossible to guess that you're opening a margin account. They hide the information that CAD are not automatically converted to USD when you're buying US stocks. And then you're caught buying on margin and they charge you interest.

Obviously, Questrade makes its money on interests they charge. It's understandable they actually want you to buy on margin as much as possible. But tricking you into it is not the right way to do business.

Anonymous said...

Here is a copy of correspondence with Questrade's customer service:

From: [name removed]
Subject: Commission
I see in my account history the following lines:
Total Trades: 2
Commission: $19.80
Apparently, I have been charged 4 transactions. Why?
[name removed]


From: Questrade
Subject: Commission
Dear [name removed],
Thank you for contacting us.
The information that you are looking at under the Customer Information section is not accurate. The commission listed should be divided by 2. The correct commission is $9.90 [2 X 4.95]. You can calculate the commission charged by checking the trades listed in the Trade Activity section.
Please feel free to contact us if you have any additional questions.
[name removed]


What kind of broker is that? Inaccurate information? I'm out!!!

Anonymous said...

Questrade’s Incompetence


financial loss for investor

Late June 26 2008 I funded a Questrade account after extensively familiarizing myself with the Questrader Pro demo as well as consulting with ‘new customer service’ when questions arose.

Starting to trade on July 1.08, using the Life Questrade Pro Platform, I executed more than 100 trades as a day trader / swing trader to date.

In absence of a comprehensive Questrade manual showing rules and regulations pertaining to its policies and trading platform, calls to customer service were needed to clarify discrepancies inherent in the life versus the demo platform.

Unfortunately, I received as many contradicting information as there were agents I spoke with; requiring additional calls asking for verification from a supervisor. Andrew has to be mentioned as most professional, helpful, willing, competent and customer service oriented .

Nonetheless, reaching the “life” customer service department involved extensive waiting periods and when finally connected the respective, presumably knowledgeable ‘life account holder agent’ often needed to consult someone else to get an answer to the question; i.e. clarifying after hours trading to execute an order set off many contradicting instructions by Wes, Wen, Wendy, Ricki and Karan Mahotra whereby the latter fortunately does chose to get help instead of spouting unqualified misinformation which fails when followed.

Some of the issues are the number of decimals allowed to enter, excessively long time lapses to fill market orders despite direct access, limit orders do rarely appear on level 2 queue view, commission amounts charged are shown at 2x the amount incurred, etc. etc. etc. etc. etc. and on and on.

Aside from these shortcomings, one is hopeful will iron itself out after learning Questrade’s intricacies in the most inefficient manner, Questrade’s ineptitude and lack of concern for the client does also prompt a heavy monetary loss to the user of Questrade as shown below:

On July 22.08 I closed one of several same symbol long positions which were accumulated over several days. The trading platform however, closed a position other than the one selected by me which had shown a gain when closed out at that time. Instead a significant loss occurred when the system chose a different position of the same symbol acquired at a different price than the one I had selected.

I called Questrade immediately following the incident. After 15 minutes on hold, I was informed by Ilia?, / Elia? that Questrade’s policy does not allow for account holder selection of positions to be closed out of multiple same symbol positions, but the system selects automatically the first in first out position if several positions have been accumulated over several days.

Conversely, if all of several same symbol positions are accumulated during the same day , the last position acquired is the first one out upon closing/covering one of the positions held.

I accepted that information as a lesson learned, after confirming that I had not overlooked that crucial information in Questrade’s 70 page info/disclaimer material. Instead I was advised by Ilia/Elia? that it was my responsibility to call in for obtaining such information prior to doing the trade because Questrade is a discount broker.

With this information in mind, on July 29, 2008 at 14.08 hours, I covered that day’s last acquired position held as one of several same symbol positions acquired during the morning of July 29.08. That particular position showed a gain of $148.73 .

This gain, added to a $557.23 gain closed earlier that morning in other symbols’ positions, would result in a total gain of $705.96 before commissions.

Instead, the arbitrary Questrade system selection presented me with a loss of $254.11 because the trading platform system covered a different position which was not the last position opened and thus had a different price and therefore was creating a loss. Consequently, my gain for the day to 14:09:36 hours was reduced from the earlier gained $557.23 to $303.12.

In addition, my unsuccessful attempts to resolve the issue in several phone calls to customer service resulted in repeated disconnections, more than 13 minutes waiting periods on hold and refusal by agent Ilia to connect me to a supervisor.

Instead, rude, rushed and unfriendly, he tried to convince me that only a paper, but no real loss had occurred.

He assured me he had now adjusted the account to eliminate the loss occurred. When I asked him how the result is shown so that I can see it in my trading account, he answered that he is not an IT programmer and thus, does not know how the computer did it.

I was/am unable to detect any changes made, my losses remain the same as prior to my call to Questrade and are reflected at closing of the markets.

Brad, agent at the trade desk, and later agent Karan, assured me the account would be adjusted at end of the trading day because current attempts made by them failed for technical reasons unbeknownst to them.

During my 1 and ¾ hours occupied with the phone ordeal and frustration, my other positions could not be closed out at 14:15 hours which would have resulted in a small gain; instead, an additional loss of $ 1120.57 occurred for a total loss of a minimum of $1374.68 at the end of the trading day.

Furthermore, the unresolved issue prevented me from re-acting to market performance during the remaining 1 ½ hours of trading, disabling the opportunity to re-gain some of the previous weeks’ losses.

Questade’s agents remarked they are very sorry about what happened. I requested several times to be connected to a manager or supervisor and asked for a call back, I AM STILL WAITING TO BE CONTACTED.

Related documentation is available.

Anonymous said...

Questrade Trade’s 30 Free Trades Promotion is a big SCAM!!! Make sure you have proof that you entered the promotion code or else they will say that you did not enter the code and not give you the free trades.

Slow Customer Service and does not care about customer satisfaction

Anonymous said...

I do not recommend this broker at all even if the commisions were $0. Customer service is almost non existent and run by very rude and incompetent people. System platform is unreliable and servers always going down. They will not take any responsibility for it and show they don't care at all if you leave them. They actually tell you what do you expect for $4.95 a trade. So far their incomptence and unreliability has cost me thousands of dollars, a hell of a lot more then any savings I would ever accumulate in commisions. They are competely unreliable and I am planning on transfering out of there as fast as possible!

Anonymous said...

I found one problem of Questrade is that they don’t have their own back office, Penson Financial Services Canada Inc is their back office. Therefore they have no control of the money movement. So if there any problems with any transactions, you call Questrade (and that’s the only way), then Questrade contact Penson. This can go back and forth multiple times, and that is one reason that dealing your requests take so long.

Those online brokers who have their own back office (e.g. TradeFreedom) should not have this kind of problem.

Anonymous said...

Here is why you should not use Questrade:
1. Questrade don’t have their own back office, Penson Financial Services Canada Inc is their back office, which means they have no control of the money movement. So if there any problems with any transactions, you call Questrade (and that’s the only way), then Questrade contact Penson. This can go back and forth multiple times, which explains why dealing your requests takes so long.
2. Their trading platform is not reliable. As a trader, timing is everything. Imagine their platform crashes when you are executing an order, or you must sell certain stocks/options immediately.

No doubt their commission is one of the lowest in Canada, but you have to put the safety of your money and the reliability of the platform on top priorities.

Anonymous said...

This company is absolutely ridiculous. The worse part is, I can't even get good customer service to get my account set up!!!

I started the process back on October 20th, did everything online and used my bank account to fund the questrade account on Oct 21. I was told it would take 1-4 business days to get my account activated and begin trading. Fast forward to Monday, Oct 27...still not activated. In fact, my account status said that I hadn't provided the 5.00 cheque required. So I contacted support and said "hey, I've paid $1000 to activate my account...what's going on?". The response was "oh yeah, there is 1000 in your account. I'll send it in for approval.".

So I waited a day, then contacted them again yesterday. This's still awaiting approval. Today (9 days after creating my account, and 8 days after funding it), I wrote customer support who said I should be active by this afternoon. I checked at 2:30 and wasn't. So then I thought, maybe I ought to contact a supervisor, so after searching the net, I saw the name of Emil V. Seems he's helped lots of folks.

So I called him and told him what was happening; his response was "yeah, there is 1000 in your account and it should be active today" I asked if it would be activated by 4 so that I could begin trading and he said it would...I told him I wasn't pleased and I had been waiting a week to start trading, to which he replied "ok, well good luck with that".

If the customer service is this bad, especially from an account supervisor, what can I expect when I am actually a customer and need help? Most companies provide excellent customer support to new customers in order to get them in...not this far, the experience has been ridiculous. It's 3:50...wonder if I'll be activated in the next 10 minutes? I doubt it.

Anonymous said...

I just opened my Questrade account and was impressed with the fast response of the online chat. I filled in the application about 10 days ago, trasfered the funds on Monday and had them available in the Penson account on Friday. However, as funds were not showing in MyQuestrade new account, I contacted Questrade by chat and got my login by email 20 minutes later. So I logged on, went through a lot of acceptance forms and finally purchased stock for the first time in my life. Two things I observed: the Penson account shows the funds in US currency. It does not mean they have been converted. My Questrade account showed the correct CAD value when I accessed it. Second, I selected All or None on my first trade and it got rejected twice. Again, I chatted with Questrade and they told me not to select all or none, which I did, and my order got filled almost instantly. Total cost: 5$ for 500 shares purchased in two transaction.

So, up to now, I'm happy with Questrade. I usually don't post comments, but I found the online reviews very useful, so I decided I should also share my experience.

My inexperienced conclusion: For the low commission fee charged, Questrade provided a pretty neat tool for inexperienced investors.

In terms of markets, I don't think we'll see any improvement soon. However, some of the stocks are worth gambling with.

Good luck to you all!

Anonymous said...

I also wish I had seen all these comments before joining questrade, I am an amateur to trading but there are certain things common logic can judge. I have contacted questrader about the problem I have, all I was looking for is an explanation but it seems when I brought up the info they chose to ignore me so I am going to post on every website to search for the answer. I contacted them concerning a change of name from PNHL holdings to GTLA. After they gave me GTLA shares at an average of 0.20 when the high was 0.17 on the day of trade. This is the exact email and reply sent.


As per our conversation, your account has been reviewed and we can confirm that your account has been properly updated. The terms of the corporate action that saw PNHL simply change symbols and name to GTLA (GT Legend Automotive), was that each share of PNHL was exchanged for 0.0005 shares of GTLA. At the time your account was holding 4,929718 shares of PNHL which were converted to 2465 shares of GTLA. The average price for the GTLA shares has been set to $0.20 based on an average price of $0.0001 for your PNHL shares. The prices are not official and are for display. It is your responsibility to know what price you have paid for your PNHL shares and what price your GTLA shares should be valued at. Please contact us if you have any further inquiries.

Thank you,

Nicholas Roussos
Client Services Specialist
Phone: (416) 227-9876
Toll Free: 1-888-783-7866 ext.421
Fax: (416) 227-0078

hello, I thought the trade was supposed to be 1 pnhl for 0.005 shares of GTLA since even if it was just an exchange, the GTLA on that day was 0.02 , can you check that for me please Wednesday nov 26 which was the day of the "change in name" , this is the chart from historical prices Google finance, as you can see it opened at 0.02 that day and wouldn’t change to 0.17 until after the name change is effective, that is a dramatic jump that can only be influenced by such an occasion, also if the high of the day was 0.17 why was my average purchase price even above that. If I am to calculate from the 0.02 opening price, since the name change should take place at the opening of the market to begin trading immediately I should have had 24648 shares... that is $0.0001 per pnhl divided by $0.02 per GTLA, giving 1 pnhl for every 0.005 GTLA therefore dividing 4929718 by 0.005 giving 24648, I think the error in you calculations came in the placement of the decimal place, the price of GTLA was 0.02 not 0.20

I will really appreciate it, if the experienced traders will let me know where I stand in this situation, now even if I was wrong I would never in my life recommend this excuse of a trading website to anyone, not even an enemy. My experiences with them begun with a VTSO placed for a penny stock worth 0.82, I knew it was a risky trade and asked the limit to be 0.80, the stock dropped to 0.20 in about 2 days, I am not actively managing my account, I return and find out I lost about $300 so I contacted customer service, what I was told was that they do not advice the use of VTSO with penny stocks because sometimes their system fails to execute the trade, something along those lines, I was basically 1 month into trading at that time so thinking it was my own stupidity not finding out how well vtso works with penny stocks before placing it I left the matter, now a few months later speaking to the same Nicholas above about some other matter I asked about the vtso since it popped into my mind, just to find out if the answer I received previously was the common held notion, His excuse or reply I should call it was, I told the system to execute the trade if the price dropped 0.80 instead of 0.02, now I recall distinctly that the other representative went over the trade and confirmed that I did everything right...I then told him to check the chat between myself and the other representative to confirm it, his reply was since the trade was done 6 months ago the chat was deleted from record and their risk department cannot do anything about it now given the period of time, then he just closed the chat window without even awaiting my reply.
I learnt my lesson, so from now on any conversation I have with them I save, and I have hard copies of their rudeness and ineptness.

Anonymous said...

I am afraid my portfolio is too small to trade using big banks. If I could afford to I would leave Questrade right now. They have screwed me many times resulting in actual loss of capital.

For example, I had shorted the stock DXPE in the middle of August 2008, and covered it only a few trading days later (within the same week). In early October I got margin called by Questrade requesting that I liquidate my holdings to finance my account - the reason for this was that DXPE had a 2:1 stock split on the first of October and although I had covered my short position weeks before, Questrade made an error by charging the extra split shares to my account. This episode resulted in my account being frozen for more than three weeks while incompetent and lazy customer service agents did, as far as I can tell, nothing. In the end my account was restored, however due to the liquidation of all my long positions I had lost a considerable amount of money (which would have easily been made back had I been left to hold the positions).

A second example, during the crazy market fluctuations of November I was back to trading, but not for long as Questrade's servers went down inexplicably for an entire trading day - no excuses, no appologies. Then my account's password was reset automatically, yes how many people would put up with that...? Imagine if your bank PIN number just changed on you, and it took the bank more than a day to fix it, that's how I felt.

Third example (that's right no end in sight), I had sent a sell order at market price for a certain security when it was trading at $3.87 now, the trade was partially excuted at $3.87, but stopped filling for around 15 minutes, while the security traded above $4.00! This was not a volume issue as the security had traded well above 10K shares within that timeframe. I tried cancelling the unfilled portion of my order but to no avail.... Then finally once the security's price came back down to $3.87 was the rest of the order filled; another lesson about the stupidity of Questrade - to them sell at market means sell at a price equal to or lower than the last sale.

Fourth example (yeah, I'm not kidding), the margin account is unbelievably frustrating. Your buying power is listed as three times your actual balance (as advertised by Questrade), however they actually only provide 100% margin, meaning they LIE just straight out when they say their margin accounts provide 3:1 margin ratio against your account's equity.

Fifth and last example (that I can think of in just 5 minutes of writing), RUDE RUDE RUDE customer service. After waiting 25 minutes for their "Live Chat" customer service I was connected to an agent to whom I asked about when Questrade would mail me my annual account history for tax purposes. His reply took ten minutes, possibly because he was asking someone else or possibly because he was playing games while he chatted. But his reply being slightly confusing I asked for clarification, which he provided but not without adding "Do you UNDERSTAND NOW?", along with several other caps locked words as if to suggest I was either blind or a moron.

Seriously people, if you care about your money, pride, dignity, humanity and/or life you will do well to stay the hell away from Questrade - the ugliest most horrendously incompetent online broker you will EVER find.

Anonymous said...

I signed up a few weeks back and so far everything has been going very smoothly for me. I cant be happier.

Anyway when i signed up I used a really cool promotional offer code: 50DollarFreeTrades

It gives you $50 in Free Trades at maybe the use of this code might help relieve any stress...who doesnt want free trades, right?

Anyway, for posterity reasons, if anyone wants to get the free $50 as well here is a direct link to use when signing up or just enter the code 50DollarFreeTrades in the "Promotional Code" input box when signing up:

And for those interested here's a bigger discussion about this offer code by other people:

They are great discount brokers!

Anonymous said...

I am very happy with Questrade. You get what you pay for so I find it surprising that people complain about the tools or the setup. If you want luxury go pay for it. Their website is very intellegent and while sometimes I have to explain things in detail to the reps, they eventually get it and answer my questions. I was looking for an account that doesnt charge big commissions and this suits my needs perfectly. I just opened my TFSA with them as well!

Anonymous said...

Try following Questrade coupons also

bonus50 ($50 Promotional code)
PromoCode-Free100 ($100 Promotional code)

Most of the rest have expired, I hope this helps.

Fitstarter said...

I'm pretty happy with Questrade. The live chat feature is quite useful, the software is getting more and more reliable (haven't crashed in months) and execution is quite fast now. I signed up in November 2007, and a lot of the issues that popped up occasionally seem to have been ironed out. I'm an active trader and use a real-time subscription to, which is about $500 CAN. That's how much I save by trading with a discount brokerage every month.

Anonymous said...


I have had the single worst experience of my entire life with Questrade over the last few days, as I write this MY ACCOUNT IS MISSING $923.45 or 35% of my entire account balance & life savings after 3 CONSECUTIVE DAYS OF ACCOUNT IMBALANCES. I am actively spreading the word of my ordeal through any medium I can until the problem is fixed I have gotten a letter to the editor posted in the Kingston Whig-Standard and am awaiting publication of my letters to the Toronto Star, Toronto Sun and the Globe and Mail. My uncle is one of the webmasters at Craig’s List so I should have a leg up in informing as many people as possible.

I have personally traded stocks, options and funds for 7 years and ETF’s, FOREX and bonds for 5, so I consider myself informed about the online broker business. I am not a wealthy person but I enjoy investing in a ‘hands on’ fashion. I had an account with E*Trade for 6 years with no problems. A few months ago I left them for Questrade because of the cheaper commissions and their favorable consumer ratings.
Up until the morning of March 5, 2009 I had a very good experience with Questrade, I even got my account set up in only 4 business days, which was very impressive!

*Note all figures include commissions and exchange rates at the time of the transaction. Also, I have a TaxFreeSavings account, which means no margin account, no loans, no borrowing, no overdrafts. I can do transactions up to my current cash balance, any more money and it will reject the order because of insufficient funds. I can prove all claims/ figures through screen shots of history and physical account activity forms mailed to me after every day that I traded. With that in mind……

The night of March 4, 2009 at 4:05PM I bought 23 shares of FAZ (an ETF) @ $79.80 USD=$1,840.44 USD (total after trade commission) x 1.27(the exchange rate at the time)=$2337.36 CAD worth of stock in my account + $54.72 CAD in cash left in my account=$2392.08 CAD is my total account balance.

The morning of March 5, 2009 at 9:33AM I sold the same 23 shares of FAZ I carried over from the day before @ $86.86USD=$1992.81 USD (after trade commission) x 1.2785(the rate at the time)=$2547.81 CAD + $54.72 CAD (cash left in account since night before)=$2602.53 CAD total cash in account now. But there was actually $2232.04 CAD showing in my account balance when I checked it after the trade like I always do. That means my account was $370.49 CAD… just like that.

I’m not going to go in to greater detail but the same thing happened the next two days as well taking $165.04 CAD on the morning of March 6,2009 and then again for $396.96 on the morning of March 9, 2009. I suspended my account at that point and stopped trading. They had taken $923.45 CAD by the end of it, or 35% of my life savings (I am still young and busy paying off student loans). I would’ve suspended it after the first day but they assured me it would be fixed and after the second day I was waiting for this manager to call me back, which he failed to do.

Now you would think that in the face of this irrefutable evidence, and the fact that they admit a computer glitch took money through faulty a exchange of currency from a bunch of other people’s Tax Free Savings Accounts over these same days, that they would admit the error. Boy was I wrong, the real fight had just begun as I spent 2 hours and 06 mins. that day (have long distance phone bill to prove it) on the phone to 3 different people at customer service, trading desk, etc. They just tried to explain it away going down a checklist of things;didn’t add in trade commissions (even though the totals I used from webtrader history have them added in), exchange rate (which I took from the forex website), my miscalculations, etc. Each person would say they would “send a report to the back office and someone would follow up with me in the next few days. Guess what, not one of them did, I called again on Friday March 6, 2009 and asked to speak with a manger that didn’t call me back for 4 business days and when he did he brushed me off, even though they admitted “some money was taken from my account and put back”, $181.82 CAD on March 5, 2009. He refused to understand that I sold stock for this price and then my account balance said I had much less then what I sold the stock for, even though this is very simple concept. Robert Chandler is the name of the “manager” I spoke with. He at one point 30 mins. into the conversation said hold on for 5 mins. and pretended to have an audit done on my account, even though another manager told me audits take at least 3-5 business days. Apparently Rob is a superhuman adding computer… either that or a bald faced liar. I called him on the amazingly quick audit he was able to do and he hung up (I have a witness who was also listening to the call), after 45 mins. of denials. I spoke with him a few days later and said he couldn’t bully me into submission, that I wanted a real audit of my account. He told me a real audit is $75 an hour charged to my account. I asked if Questrade was found to be at fault, would the audit be free? He said no the audit would be around $500.00 in total and would not be refunded even if they found that Questrade took money from my account.

I then attempted to go higher then Rob by using this excellent comment post and contacting Emil Vojkollari and Nicholas Roussos who seem to help people on this blog solve problems with Questrade, and guess what? I have left 2 messages for Emil seeking assistance in the matter and 4 for Nicholas asking him for help as well and both HAVE YET TO RETURN ANY OF MY 6 MESSAGES. That is not client support, that is an abomination and I intend to make it my hobby for the next few months until every cent of my $923.45 CAD is returned to me with an apology of mass proportions. The ironic thing is that after my forensic auditor finishes his assessment I can take them to small claims court where if found guilty of taking money from me they would be on the hook for $1000’s to pay for my legal counsel (my dad, who charges $300/an hour) and $1000’s for their own legal counsel plus have to explain the verdict to the IIROC Canadian securities regulatory body and risk losing their retail broker license.

Sorry it took so long to read, but PLEASE, ANYONE WHO DOESN’T ALREADY HAVE AN ACCOUNT WITH QUESTRADE…DON’T, ANYONE THAT HAS AN ACCOUNT ALREADY…CLOSE IT. THIS AGGRAVATION HAS GIVEN MY WIFE AND I WEEKS OF SLEEPLESS NIGHTS AND UNTOLD STRESS. This recession has been hard enough on everyone let alone being taken for 35% of my families entire savings. Questrade are at best a terrible company with horrendous customer service and complaint response, and at worst criminal with gross misconduct on the part of ROBERT CHANDLER. You don’t hang up on someone or lie and say you are doing an “audit” that was magically finished in 10 mins. instead of the standard 3-5 days. The fact that neither Emil nor Nicholas has bothered to return my calls proves that the upper management is also not taking customer’s complaints seriously. It’s sad what this world is coming to sometimes, I hope between the huge ad on Craig’s list and the letter in the Whig-Standard, the letters hopefully in the Tor. Star, Tor. Sun and Globe & Mail: people will recognize the absolutely vile way they have handled me. I was only trying to get my family ahead using a discount broker to save fees, I didn’t deserve this, my wife didn’t deserve this and my 5 month old daughter certainly didn’t deserve this. Shame on you Questrade.

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Anonymous said...

Questrade is the worst business i have ever dealt with. Stay away at all cost.

The account start up took over 3 weeks to complete but it doesn't stop there. I have spent the last 2 months trying to withdraw my funds from the account!!
I funded my account electronically but apparently this does not mean you can withdraw you funds electronically. After sending in my pre-authorization form 3 times, the customer service rep is telling me the EFT is still not set up.

I would rather pay the $29 commission from TD Waterhouse because the problems with questrade is just not worth it.

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Today Questrade servers have crashed again, just in the middle of a trade. That happens about once in a month. Phone not answered after 15 min of waiting on line. Live chat answered after about 20 minutes (they actually helped me however).

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Questrade Review - Customer Feedback

This year I opened a Questrade account. I have been trading moderately through several brokerage accounts (including Scotia iTRADE and BMO Investorline) for the last 6 years. Due to Questrade’s confusing account balance info, it wasn’t until 6 months in that I discovered I was paying hundreds of dollars per month in interest on ALL the money I used to buy stock. My Canadian funds were not being used to purchase stock – instead, the funds were used as a hedge, and US funds were loaned to me to facilitate the purchase of stock.

Questrade support is rude and involves a minimum of ½ hour wait.. The support representative I eventually reached cordially informed me that I was in error, and so I asked to speak to a supervisor. The supervisor was forceful, insolent, and demeaning, yet well-trained: following the conversation I realized that his job consisted of efficiently overflowing the customer with double talk in order to secure the funds which Questrade subversively exacts from its clients.

My experience with Questrade is by far the worst I’ve had with a broker – discount or otherwise. If you are absolutely certain you understand all the fine print of this scam-broker, feel free to use them to save a dollar or two per trade. However, I am now going with iTRADE. They have proven to be both fair and professional; support requests are answered almost instantaneously, 100 free trades were offered regardless of my obliviousness, and each trade is $10.

And yes, I went through the standard 2 month procedure of repeatedly mailing documents that Questrade apparently did not receive. The best part is the fake electronic signature capability, which is another great time-waster.

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