Credit card or prepaid card -- Closing your account -- Complaint #4814994
Complaint Overview
Complaint ID: 4814994
Company: BMO Bank National Association
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Closing your account
Sub-Issue: Can't close your account
State: Illinois
ZIP Code: 601XX
Date Received: 2021-10-16T12:00:00-05:00
Date Sent to Company: 2021-10-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My BMO credit card was placed on a fraud alert, as tried to purchase an item from XXXX and then XXXX. I called them on XX/XX/2021 to state that the charges were indeed legitimate and their agent said he lifted the fraud alert. After trying to make several purchases later that week they were all declined. I called again twice again on XX/XX/2021 and it apparently my card was still on fraud alert ( as I had paid my balance in full, the current balance was {$23.00} ). I inquired and the agent stated they " would call me back in 2 minutes '' after I explained that there was no fraud taking place. The agent ( s ) never called me for resolution. On XXXX, I called to close my account and their agent did not comply.
Frequently Asked Questions
What is Complaint #4814994 about?
Complaint #4814994 was filed against BMO Bank National Association regarding Credit card or prepaid card specifically about Closing your account. It was received by the CFPB on 2021-10-16T12:00:00-05:00.
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 card or prepaid card) 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.