Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13766255
Complaint Overview
Complaint ID: 13766255
Company: BMO Bank National Association
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Old information reappears or never goes away
State: Arizona
ZIP Code: 85323
Date Received: 2025-05-27T12:00:00-05:00
Date Sent to Company: 2025-06-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
BMO Credit Card had failed to acknowledge that I was told by an employee to contact XXXX XXXX XXXX ( XXXX ) about the charges when I first noticed the charges and was told I shouldn't have given them my card information to have on file. I told the BMO Rep I have never used this company ; her response to me was How did they have my card information. I then asked for a supervisor who called back days later. The Supervisor told me that I was given the wrong information. I gave XXXX my card information to remove from their records. At this time, I was issued a new card from BMO. Later, I also found out that XXXX was a fraudulent company that stole my identity BMO should have a complaint on file with the first Rep I spoke to. There is a police report on file with me being a victim of identity theft. This is a clear case of fraud. I should have never been asked to contact XXXX. I am appalled that BMO has failed to acknowledge the complaint against their employee who asked me to contact XXXX with my card information. A supervisor at BMO acknowledged that I was given incorrect information by this representative. BMO downplaying the pending FBI case attached against XXXX, saying it was before the card was issued, is absurd! I was a victim of identity theft before BMO issued the card. Check the Credit Bureaus! Anything dealing with fraud should be removed from a person 's credit report.This has been in my file for several years and needs to be deleted.
Frequently Asked Questions
What is Complaint #13766255 about?
Complaint #13766255 was filed against BMO Bank National Association regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-05-27T12:00:00-05:00.
How did BMO Bank National Association respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against BMO Bank National Association?
Yes, visit the BMO Bank National Association company profile at readthecomplaint.com/company/bmo-bank-national-association to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.