Checking or savings account -- Managing an account -- Complaint #12302727

Complaint Overview

Complaint ID: 12302727

Company: BMO Bank National Association

Product: Checking or savings account

Sub-Product: Checking account

Issue: Managing an account

Sub-Issue: Deposits and withdrawals

State: Arizona

ZIP Code: 85254

Date Received: 2025-03-03T12:00:00-05:00

Date Sent to Company: 2025-03-03T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Tags: Older American, Servicemember

Consumer Narrative

Please see attached -- -for complete information What Happened. On XX/XX/XXXX a check was mailed by a XXXX XXXX XXXX to BMO bank at Mortgage servicing XXXX XXXX, XXXX .The bank deemed it as fraudulent. They sent me the check ( exhibit XXXX ). I noticed a different lender on it not BMO. Apparently BMO sold the mortgage to XXXXXXXX XXXX XXXXXXXX. BMO did not give me any notice, which is required as 15 days before they entertain another holder. The fraud Department got involved and a XXXX XXXX XXXX XXXX XXXX XXXX called and said they were locking the accounts-which is the equity, a personal, a business, and charity account along with this. I informed her that there was NO fraud ever on the other XXXX accounts. She said the bank will close the accounts on XX/XX/XXXX but gave me the option to close before that date.They informed me that my computer was hacked and had to be cleaned and showing me proof and after that all XXXX accounts would be opened, verbally.The fraud department changed my equity account number from XXXX to XXXX the supposedly fraud check copy was sent to me on XX/XX/XXXX and reflected the old account number ending in XXXXExhibit 1. I complied with the banks request to clean my computer. ( XXXX ) Exhibit 8 but there was nothing whereby someone could hack into it. XXXX XXXX send me a letter dated XX/XX/XXXX which stated the closure of the other XXXX accounts ending in XXXX personal, XXXX -charity, XXXX Exhibit XXXX. On XX/XX/XXXX a letter from BMO bank was sent to me removing the restrictions Exhibit 3. It stated there the restrictions were removed after they reviewed it on ACCOUNT ( S ) Plural, Exhibit XXXX. No specific account numbers were shown on that letter. I took the letter to the XXXX XXXX and dropped it off with a XXXX XXXX XXXX XXXX ( Retail Relations manager ) copy of his card Exhibit 4. He said he would fax it to XXXX XXXX, fraud department. He said he would call me -- -he never did. I drove to the branch with my wife and he said the restriction removal was for the personal account.only? He said the charity account was open and never touched but business account is still locked? He said he would open a new personal account -- which he did, with new debit cards. But NO online access? and the new account would be closed on XXXX XXXX? I asked him, why then did you open a new personal account and he had no answer.? He became very rude bluntly saying " Good Bye XXXX "!!? I was handled extremely poorly by this bank with no transparency. They are linking me to fraud on the equity account. The accounts were opened since XXXX.

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