Checking or savings account -- Managing an account -- Complaint #18877025
Complaint Overview
Complaint ID: 18877025
Company: BMO Bank National Association
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
State: Indiana
ZIP Code: 463XX
Date Received: 2026-01-20T12:00:00-05:00
Date Sent to Company: 2026-01-21T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
too whom it may concern, on XXXX I opened a checking account at BMO bank in XXXX XXXX Indiana at XXXX XXXX XXXX XXXX Indiana. i had saved up money and want to open a checking account to keep my funds save. i made XXXX deposits XXXX in the amount of XXXX and the other in the amount of XXXX both cash deposits. later that day I went to grocery store to buy food and diapers for my baby. when i went to checkout I realized my card wouldn't go through that's when i logged into my mobile banking and my account was frozen. before i left the bank that day i was told by the banker my account and card were good and funds were available. XXXX XXXX was the banker who set up my account. on XXXX i called to get the issue resolved and was told they needed more documentation so i got the documents they wanted and took them into the BMO branch. on XXXX i called to see if my account was active because i have bills due and was told it will be another XXXX days. at this point i feel like they did something wrong and this isnt fair to me i have bills that are goanna be late now.
Frequently Asked Questions
What is Complaint #18877025 about?
Complaint #18877025 was filed against BMO Bank National Association regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2026-01-20T12:00:00-05:00.
How did BMO Bank National Association respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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 (Checking or savings account) 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.