Checking or savings account -- Managing an account -- Complaint #4691492
Complaint Overview
Complaint ID: 4691492
Company: BMO Bank National Association
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
State: Illinois
ZIP Code: 60515
Date Received: 2021-09-03T12:00:00-05:00
Date Sent to Company: 2021-09-03T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
about 7 months ago my checking acct ending in XXXX at bmo harris bank in XXXX XXXX, illinois XXXX received {$1000.00}. from somewhere. i tried to find out who had sent the funds but could not. over the next few months I spent the {$1000.00}. in about XX/XX/2021 my bank received a federal complaint that some lady sent the {$1000.00} to my acct by error, the harris bank agents arbitrarily froze all my accounts I had with them. This freezing of my accts at bm harris caused substantial numbers of my checks to bounce etc. resulting in substantial penalty fees such as returned check fees, overdraft fees etc, I am still paying for those arbitrarly frozen accts and their returned check fees etc. the m harris bank also arbitrarily withdrew the supposed {$1000.00} from my acct as well w/o consulting me or even investigating whether this {$1000.00} was actually sent to my acct in error or possibly simply to cause me financial problems such as overdraft fees etc i am a senior citizen, XXXX yrs old. and on a limited fixed income.also, i had to take early retirement from my teaching job due o an accident possibly a " hit '' because I called the illinois child abuse hot line .i believe I was unnecessarily charged substantial returned check fees etc amounting to about {$2000.00} per acct at bmo harris bnk . will you please help me recover those fees resulting from bmo harris employees arbitrarily freezing my accts causing substantial extra returned check fees etc and returning the {$1000.00} taken from my acct w/o asking me or properly investigating who this lady was, her motivations etc.. e
Frequently Asked Questions
What is Complaint #4691492 about?
Complaint #4691492 was filed against BMO Bank National Association regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2021-09-03T12:00:00-05:00.
How did BMO Bank National Association respond to this complaint?
The company responded with: "Closed with 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.