Bmo Bank National Association

XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX : Wife and I entered BMO XXXX branch. Requested the closure for all of our accounts. Included checking account, debit and credit cards. We were told this was completed. Received our checking account balance and then left. Went home and cut into tiny pieces both debit and credit cards. Subsequent months : Did not receive and final/closing statement. Assumed all accounts were closed. A final or closing statement would have alerted us that the credit card was not terminated. Not receiving statements in the following months would also have alerted us that this account was still open. Did not receive any further statements or correspondence until XX/XX/XXXX. XXXX XX/XX/XXXX Without knowing and intent, mistakenly made of purchase of {$87.00} from XXXX using the BMO credit card that was still active. XXXX XX/XX/XXXX : Received an email from BMO Online Services. The letter asked for a past due payment of {$25.00} on the XXXX account ending in XXXX.…

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BMO Bank reviewed my account on XX/XX/XXXX, and closed it on XX/XX/XXXX, claiming to have mailed my balance of over {$400.00} in checks to my reserved address. However, I moved halfway through the year and did not receive the checks. As a result, on XX/XX/XXXX, I called BMO Bank to change my address and requested a reissuance of the checks.After the BMO bank customer service updated their information, they stated that the check would be mailed to the new address within XXXX weeks. On the eighth week, I did not receive the check and called BMO bank to inquire about the check mailing time. The customer service said that it had been mailed on XX/XX/XXXX, but my updated address on XX/XX/XXXX, clearly indicates that the bank has no record of mailing a check to my new address, and they transferred the call to the supervisor. The supervisor was unable to provide the mailing time or relevant shipping number.…

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I was in XXXX XXXX taking a class when there was some transactions in XXXX XXXX XXXX store. My debit was physically with me in XXXX XXXX on XXXX XXXX XXXX. My bank bmo is claiming code XXXX and refuses to return my money even when it clearly wasn't me. It was close to XXXX. But they won't return XXXX. Back to me stating that I need to contact apple. But I dont even have an account with XXXX. I do not know what method was used just that it was at an XXXX store in XXXX XXXX. I have attached my flights to XXXX XXXX and my lift rides. Also my class information. When I went to the bank I gave them my physical card showing them it was with me. Ive since made a police report, blocked my social and credit also changed accounts.

Financial Institution : BMO Bank N.A . Account Type : Checking / Debit XXXX Total Disputed Amount : {$4800.00} BMO Claim Numbers : XXXX, XXXX, XXXX, XXXX, XXXX Detailed Description of Issue : I am filing this complaint because BMO Bank has failed to properly investigate and resolve a series of five fraudulent, unauthorized transactions totaling {$4800.00} that occurred on my account on XX/XX/year>. The transactions, labeled as XXXX XXXX XXXX XXXX XXXX, are entirely foreign to me. I have no relationship with this merchant, did not authorize these payments, and did not receive any goods or services in exchange for these funds. On XX/XX/year>, BMO Bank issued a denial of my fraud claims ( Reason Code D24 ), stating their records show the transactions were authorized by me. However, the bank has provided no documentary evidencesuch as a verified IP address, a PIN entry, or a multi-factor authentication logto support this conclusion.…

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I went to the XXXX XXXXXX/XX/XXXX ATM on XX/XX/year> around XXXX. I deposited XXXX dollars in cash into the machine to start- and added an unknown amount after. I believed it to be XXXX dollars but I know for certain at least XXXX was deposited into the machine. My card stayed in the machine the entire time. After I deposited the cash- the machine shut off entirely and rebooted which took about XXXXXX/XX/XXXX or so to fully restart and I stayed parked at the machine with my card still inside to see if somehow my money would still deposit. The machine rebooted and then said it was Out of order and to call customer service. I received no receipt and no money dispensed from the machine. I checked my bank account and no money was deposited- and still has not been received to my account. So I took my card and left, and called customer service on the way home. Customer service filed helped me file a dispute against the atm.…

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I closed a refinance of my BMO mortgage on XX/XX/year>, with XXXX acting as the title company. On XX/XX/year>, BMO issued a confirmation stating that property taxes had been paid from my escrow account. Relying on this official confirmation, XXXX issued a " stop payment '' on the tax funds collected at closing to avoid double payment.However, BMOs reporting was inaccurate ; the county never received the funds, resulting in a delinquency notice and late penalties. Despite the loan being paid off on XX/XX/XXXX, BMO has failed to remit the tax payment or return my escrow balance. As of today, XX/XX/year>, it has been 26 business days since the payoff.

I divorced in Alaska, resulting in a legal name change. After divorce was complete I moved to Montana and need to re-title my vehicle to register it. I can only title it in Montana with a name that matches my ID ( legally changed name ). BMO bank will not allow me to update mynlast name with my legal decree, and will not release the title forbthe name change, making it impossible to register my vehicle at my new home.

I am filing a complaint regarding my RV loan for a XXXX XXXX XXXX. The vehicle has been in the possession of XXXX XXXX since XX/XX/year> due to an unresolved leak and has not been returned to me. I have therefore been without possession or use of the collateral for nearly three years. Despite this, I have continued making monthly payments of approximately {$1000.00} and maintaining insurance coverage, creating a significant financial burden for a vehicle I can not access or use. I have contacted the lender multiple times requesting assistance, but I have been told there is nothing they can do and that I must work with the dealer. The lender has refused to acknowledge this as a collateral dispute or review my account for any relief options.…

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In XX/XX/XXXX I have opened a checking account in the BMO location downtown XXXX. I provided all relevant info regarding the account. However from the beginning the bank blocked me from online access stating " security issues '' with my profiles which they alleged I have six. I was told to resolve this I must show up at the branch to present my credentials. I did that in XXXX shortly before XXXX at the XXXX XXXX XXXX, XXXX branch however despite fulfilling the obligation the bank still did not allow me online access. After I filed a complaint the BMO 's XXXX XXXX again insisted that I come again to the branch and present my credentials. I did it again in XXXX at the XXXX branch assisted by the banker XXXX XXXX. XXXX XXXX has taken my ID and notorized it followed by the conversation with the BMO corporate support line. I was again given all clear to finally set up my online banking and have access to my account.…

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I am submitting a complaint regarding BMO Harris Banks handling of a {$2000.00} transaction on my account that I have reported as unauthorized and/or obtained through deception. Date of transaction XX/XX/year>. While traveling internationally, my card was used at a point-of-sale terminal under circumstances that were misleading and appear to involve a fraudulent or compromised merchant. I did not knowingly authorize a {$2000.00} charge, and the amount was either not properly disclosed or was manipulated at the time of the transaction. BMO Harris Bank has denied my claim and instructed me to resolve the issue directly with the merchant. This is not a reasonable expectation. The merchant appears to be illegitimate or unreachable, and no valid contact information or receipt was provided. Requiring me to work with a potentially fraudulent entity defeats the purpose of consumer protections.

On XX/XX/XXXX, the company issued my Closing Disclosure for a mortgage loan establishing an escrow account for property costs. The Closing Disclosure ( page 4 ) lists the escrowed property costs as " Homeowners Insurance , County Property Tax, City Property Tax, Flood Insurance '' and states : " Your lender may be liable for penalties and interest for failing to make a payment. '' The Year 1 escrow estimate was {$29000.00} substantially exceeding my known annual obligations of approximately {$12000.00} ( {$5300.00} homeowners insurance and {$6700.00} secured property taxes ). Approximately {$22000.00} was refunded from escrow following closing. Despite sufficient funds being held in escrow, the company failed to pay my supplemental property tax bill ( a category of County Property Tax under California law ) when it became due. I was never notified that supplemental taxes would be excluded from automatic escrow payment or that any separate borrower request was required.…

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BMO terminated the account due to a third-party deposit. XXXX confirms the funds were sent, but BMO is holding the {$2600.00} and refusing to release it or return it to the sender. We are caught in a loop between XXXX and BMO 's back-office departments.BMO is saying they cant do anything XXXX have to pull hold harmless form and XXXX is saying they cant do anything because the funds are showing cashed out to them and they wont do anything about it because its been a month I have been calling BMO and XXXX since XXXX XXXX everyday.

I contacted BMO to report a XXXX transaction for a service that was not provided. The payment was authorized by me, and I was seeking assistance with a disputenot reporting fraud. However, the representative ( XXXX ) misclassified my report as fraud without properly clarifying the situation, which resulted in my account being abruptly closed. As a result of this error, I am now unable to receive critical incoming deposits, including my paycheck and a university reimbursement. Additionally, the funds that were already in my account have been frozen and are inaccessible to me. This has caused immediate financial hardship, including the inability to meet time-sensitive obligations such as rent. When I attempted to resolve the issue, I spoke with a supervisor ( XXXX ), who was dismissive and did not provide any meaningful assistance or escalation options. I was told there was nothing that could be done.…

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I reviewed my ChexSystems consumer report and discovered multiple accounts reported under my name that I do not recognize and did not authorize. These include accounts reported by XXXXXXXX XXXX XXXX XXXX XXXX and BMO Bank N.A . These accounts are listed with negative balances and statuses such as overdrafts and account abuse. I did not open these accounts, did not authorize their use, and have no knowledge of the transactions associated with them. I believe my personal information was used without my consent to open or operate these accounts. I have disputed these items with XXXX and am in the process of filing an identity theft report with the Federal Trade Commission. I am requesting that these companies investigate this matter and provide documentation proving that I authorized these accounts. If they can not provide such documentation, these accounts should be removed as fraudulent.

I closed my check account on XX/XX/year>, and sent the checks to my original address. However, I have moved and can not receive the checks. After calling to change my address at the beginning of XX/XX/year>, BMO Bank informed me that the checks would be mailed to my new address, and I would receive them within XXXX - XXXX weeks. But now, XXXX weeks have passed, and I still haven't received the checks. Tonight, I tried contacting the bank but was told that they could not verify my identity and requested a notarization or going to a branch. Since I can not go to the branch, my phone inquiries are restricted.Now, after consulting with various parties, I learned that BMO Bank has not issued a check and intends to embezzle funds. They are now making things difficult for customers by denying them access to check inquiries and processing.This achieves the purpose of embezzling customer funds.…

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Hello, My name is XXXX XXXX. I have a BMO Alto savings account, and I recently received a notice from the BMO Alto Fraud Department stating that my account has been locked. After contacting customer support, I was informed that I need to provide proof of ownership for a XXXX XXXX account ending in XXXX. However, I do not own or have any association with an account ending in XXXX. My only XXXX account ends in XXXX. The representative advised that banks may use different account numbers internally, but I contacted XXXX directly and was told this is not accurate in my case, and that I only have the single account ending in XXXX. At this time, I am concerned there may be an error or potential fraud issue involving my information. I am unable to provide verification for an account that is not mine. I provided proof of ownership of my XXXX account ending in XXXX and have yet to hear back.

I am submitting a formal complaint regarding BMO Banks handling of unauthorized transactions on my business account ending in XXXX, held under XXXX XXXX XXXX XXXX XXXX ) An individual previously had access to this account as part of business operations. However, that access was formally revoked on XX/XX/year>. After this date, the individual no longer had any authorization to access or use the account in any capacity. Despite this revocation, on XX/XX/year>, unauthorized XXXX transfers totaling {$5900.00} were made from the account to the same individual, including transactions of {$5300.00} and {$680.00}. I did not authorize these transactions. I reported the issue to BMO Bank ; however, my claim was denied on the basis that I had previously granted access to this individual. This response does not address the central issue : the transactions occurred after all access had been formally revoked, meaning they were not authorized under any continuing agreement or permission.…

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I deposited a check physically at an ATM into my BMO Checking Account for {$10000.00} on XX/XX/year> and was told there would be a XXXX business day hold on all of the funds. I had no access to any of it despite federal regulation CC. When I asked why they sent a letter saying they had confidential information leading them to believe that the funds would not be honored by the issuing bank. The funds were issued by XXXX XXXX ( the issuing bank ) on XX/XX/year>. When I inquired about where the funds were XXXX days later BMO claimed they were still verifying them with XXXX XXXX. XXXX XXXX said this was not the case. So BMO held my {$10000.00} for XXXX business days and give me access to the funds on XX/XX/year> causing me a great deal of financial trouble. I was hung up on XXXX times when asking representatives from the bank for information, politely and calmly. They had no answers and made no effort to answer my questions.

Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding the recent actions taken by BMO involving my credit card account. BMO closed my account without prior notice and reversed all of the rewards I had earned. I believe this action was taken unfairly and without a clear or reasonable explanation. All were legitimate transactions initiated by me, and at no point did BMO inform me that this type of transaction was prohibited or could result in account closure. I did not engage in any fraudulent activity, nor did I attempt to misuse the credit card system. BMO closed my account, removed all previously earned rewards, and charged back without my permission.…

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Subject : Improper denial of billing dispute failure to apply consumer protection standards I am submitting a complaint regarding the handling of a billing dispute by my credit card issuer, BMO. Beginning on XX/XX/year>, I made a series of payments to a merchant, XXXX XXXX House ( XXXX XXXX XXXX ), for trading education and related services. Over time, multiple charges were incurred through credit card transactions, many of which were not clearly disclosed, not properly authorized as presented, or were supported only by invoices generated significantly after the fact. I made repeated requests to the merchant for a complete and itemized accounting of all charges. No such accounting was ever provided. A formal dispute was submitted to BMO within the applicable timeframe for several of these transactions.…

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On XX/XX/year>, I received an email stating that a wire transfer of XXXXXXXX XXXX has been initiated. I called XXXX XXXX immediately to deny it since I did not do it. After waiting for the resolution of this dispute, XXXX XXXX has written me that I must contact this Bank I don't know and dispute it directly with them. This was a fraud, and I am demanding my money back. I never authorized this transfer. I don't know what it is about. I have been robbed. I hope this is the path to getting my money back.

I am submitting a formal complaint regarding my account with BMO Bank. On XX/XX/XXXX, a valid court order was issued by XXXX XXXX XXXXXXXX, directing the release of funds associated with my account. BMO was provided with this order on XX/XX/XXXX. As of today, my funds have not been released, and I have not received a clear explanation for the delay. This lack of action is causing financial hardship, including homelessness. I have made multiple attempts to resolve this matter through customer service on XX/XX/XXXX, XXXX and XX/XX/XXXX, but have not received a resolution or timeline.

I opened a credit builder account with BMO bank in XXXX of XXXX. The account hurt my credit and only gave like XXXX points back. I chose to close the account XX/XX/XXXX since I am the one funding the account and was told that I couldnt. I would like the account closed because its just a bill that is taking my money along with fees and falsely reporting to the credit bureau that they gave me a loan.

I am submitting this complaint regarding ongoing loan servicing errors by BMO Bank related to my auto/RV loan, which I obtained in XX/XX/XXXX. From the outset, my intent has been straightforward : to make my required monthly payment and, in addition, make consistent principal-only payments in order to reduce the loan balance more quickly. Despite following the banks explicit instructions, BMOs servicing system has repeatedly misapplied payments, created unexplained interest charges, and produced inconsistent and contradictory account balances. Multiple representatives have been unable to provide a clear or consistent explanation. At BMOs direction, I opened a BMO checking account to facilitate proper allocation of both minimum payments and additional principal-only payments. On XX/XX/XXXX, I initiated a {$1000.00} payment through BMOs system.…

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I was told that my money was being returned to my account and it was not I was informed that XXXX XXXX also a BMO customer like myself was returning the funds thats were accidentally sent to her account she contacted BMO and they told her they will handle the situation but they didnt I still have my XXXX dollars in my account I was told that their fraud department was closed but online it states it 24 hrs 6 days a week by a representative they said they closed at XXXX XXXX I did call around XXXX

Complaint Against BMO Harris Bank Account Freeze Without Notice I am filing this complaint against BMO Harris Bank regarding the sudden restriction of my bank account without prior notice or adequate communication. My account was frozen, leaving me with no access to my funds. I was not provided with a clear explanation for the restriction, nor was I given a timeline for resolution. This has caused immediate financial hardship, as I am unable to pay essential expenses including rent, transportation, and basic living costs. All transactions on my account are legitimate and authorized. The funds in question were received as payment for services rendered, and I am fully prepared to provide documentation to verify the source of these funds, including communication with the sender, proof of work completed, and payment records. Despite my attempts to resolve this matter directly with the bank, I have not received clear guidance or timely assistance.…

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On XX/XX/XXXX a portion of my husband, XXXX XXXX, paycheck in the amount of {$800.00} was deposited in a checking account with BMO Bank. That account was in my name only ( XXXX XXXX XXXX. All of our finances are combined and we have been married nearly 10 years. It did not cross either of our minds that this could possibly be an issue. BMO placed a freeze on the {$800.00} as well as the account and we were unable to log in to view any information. We had no idea why we could not log in or why we no longer had access to that money. We were simply provided a customer service number to call when we tried to log in. After calling in multiple times and getting different answers as to what was going on, it was finally explained to us that the issue was that it was my husband 's paycheck had gone into an account that did not have his name on it. At that point we were quite frustrated because it had taken so long just to figure out what was going on, let alone how to fix it.…

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I opened a Relationship Checking account on XX/XX/year> with BMO that included a {$1000.00} promotional bonus. I have met all the stated requirements for the bonus. On or around XX/XX/year>, I verified that all conditions had been satisfied. However, the bonus was not credited within the expected timeframe. I contacted BMO customer service by phone on XX/XX/year>. During that call, the representative confirmed that I had met the requirements and stated that the {$1000.00} bonus would be posted to my account by [ insert the specific date they gave you, e.g., last week ]. As of today XX/XX/year>, the bonus has still not been credited, which is now more than one week past the date I was given. I have not received any explanation for the delay or any updated timeline.

I opened up an account with BMO online because of a XXXX promo. When i fulfilled the agreement and messaged BMO about the XXXX they told me that I needed a promo code. The promo code is not provided in no advertisement when you open up this account. It literally tells you, " Open the account and you'll get {$400.00}. '' Specifically this a smart advantage account, exactly. So, I did exactly what they asked of me. I did exactly made a amount of money, and then I called them and said, " Hey, where's my {$400.00}? '' And they said, " What is the promo code? '' And I said, " There's no promo code, and there's no promo code provided. '' And they said, " Well, we can't do anything unless you have a promo code. ''

On Saturday XX/XX/XXXX, I received a text message from my bank flagging unauthorized charges. I immediately responded and told them I didnt authorize any of them. They did lock my bank card and sent me to the dispute charges department. At that time, and after extensive conversation I was told that I could not do anything with the 35 charges on the account as they were still pending and had to wait for them to post. Went to the local branch yesterday and they received a new card, and again asked for the charges to be removed. They told me again I needed to wait for them to be posted there was nothing they could do. This morning 20 of the charges have been posted so I called the bank- there are still 6 pending so they told me now that they can not do anything because all of the charges have not posted. In the mean time, my bank account has been cleaned out and I have no money. In the past, they have stopped payment or declined the charges- at least that is what other companies do.…

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My XXXX account was recently flagged for fraud on my BMO account and I would like to clarify the situation. I am a private event decorator, and a client submitted a {$150.00} payment to secure my services. As clearly stated in my booking policy, all deposits are non-refundable. After making the payment, the client chose to cancel her services and requested a refund. When I upheld my non-refundable policy, she reported the transaction as fraudulent. This claim is inaccurate. The payment was willingly sent to me via XXXX as a booking deposit, not an unauthorized or fraudulent transaction. As a result of this false report, my XXXX account has been restricted. I have documentation and communication records that confirm the payment was legitimate and agreed upon. I respectfully request a review of this matter, as the claim of fraud is unfounded and has negatively impacted my business.

I was previously enrolled and actively using XXXX through my BMO Bank account up until XX/XX/year>, when an unknown flag caused my XXXX access to be blocked. I was not provided with a clear explanation at that time. Recently, I attempted to re-enroll in XXXX through my BMO account but received an error stating there is a problem with my profile information. When I contacted BMO, I was told that my token ( my phone number and email associated with XXXX XXXX was restricted due to suspected fraud. However, my bank account is in good standing with no fraud activity. To resolve this, I contacted XXXX XXXX XXXX, the company that operates the XXXX network. I participated in a three-way call with both XXXX XXXX and BMO, during which XXXX XXXX confirmed that my phone number and email are NOT restricted at the network level. Despite this confirmation, BMO has continued to state that they can not remove the restriction or reset my XXXX profile.…

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I am submitting this formal complaint against BMO Bank USA regarding its improper handling and denial of clearly unauthorized transactions on my account ( Account Number : XXXX ). I identified multiple unauthorized transactions of more than {$3700.00} involving XXXX and XXXX XXXX XXXX XXXX. I did not authorize, initiate, or benefit from any of these transactions. Documentation in my possession, including records from both XXXX and XXXX XXXX, indicates that other individuals are listed as account holders or recipients associated with these transactions, further supporting that the activity is fraudulent. Despite timely reporting these unauthorized transactions, BMO Bank denied my claims without providing a sufficient investigation, supporting rationale, or evidence demonstrating that the transactions were authorized.…

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I was XXXX XXXX XXXX days in XXXX for something over a year ago and I'm almost in my XXXX XXXX When I got home I got their bill and called in a made a payment on XX/XX/XXXX, for XXXX dollars and asked for the full itemized statement which said I owed XXXX and I thought I only owed XXXX remaining on it. So I wanted a statement that showed all my payments since the time of purchase in XXXX. Today they sent a man to my door with civilian clothes no name tag and no paper work violently banging on my door demanding I hand over my home my camper and I'm XXXX XXXX XXXX And I checked the mail yesterday hadn't received any article of mail from the bank and was just about to phone the bank to see where the document was. The payment was for XX/XX/XXXX and it had not even been the end of the month. I did have a scheduled payment for XX/XX/XXXX for the remaining balance.

Complaint Against BMO Bank for Failure to XXXX XXXX XXXX and Provide Reasonable Access Dear Sir/Madam, I am writing to file a formal complaint against BMO Bank regarding its failure to safeguard my funds and provide reasonable means for me to access my account balance after account closure. On XX/XX/year>, my bank account was blocked by BMO due to a suspected fraud review. I was informed that the investigation would take up to 90 days to complete. During this period, I relocated outside of the United States due to a job transfer. Prior to leaving, I set up mail forwarding and attempted to update my mailing address through the BMO mobile application and customer service. However, I was informed that address updates were not permitted while the account was under restriction. On XX/XX/year>, at the end of the 90-day review period, I immediately contacted BMO, only to find that I could no longer access my online banking account.…

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