Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #20491693
Complaint Overview
Complaint ID: 20491693
Company: BMO Bank National Association
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-Issue: Transaction was not authorized
State: California
ZIP Code: 93726
Date Received: 2026-03-22T12:00:00-05:00
Date Sent to Company: 2026-03-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint against BMO regarding unauthorized transactions and the banks refusal to properly resolve my dispute. On XX/XX/year>, XXXX unauthorized transactions were made on my account in the amounts of {$530.00} and {$29.00}. I did not authorize, approve, or have any involvement in these transactions. I promptly reported these charges to BMO and filed a dispute under case number XXXX. Despite clearly stating that these transactions were unauthorized, the bank denied my claim and refused to credit my account. I believe BMO failed to conduct a proper investigation into my dispute and did not provide sufficient explanation or evidence to justify denying my claim. Under federal consumer protection laws, I am entitled to protection against unauthorized electronic transactions. I am requesting that BMO : 1. Reopen and properly investigate my dispute 2. Refund the full amount of {$560.00} ( {$530.00} + {$29.00} ) 3. Provide a clear explanation of how they determined these transactions were authorized 4. I request that BMO conduct a thorough fraud investigation including reviewing any available transaction data such as location, IP address, device information, or merchant records that would confirm the transaction. I have acted in good faith and reported the issue promptly. I am seeking a fair resolution and the return of my funds. Thank you for your attention to this matter. XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #20491693 about?
Complaint #20491693 was filed against BMO Bank National Association regarding Checking or savings account specifically about Problem with a lender or other company charging your account. It was received by the CFPB on 2026-03-22T12:00:00-05:00.
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 (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.