Checking or savings account -- Managing an account -- Complaint #4816165
Complaint Overview
Complaint ID: 4816165
Company: BMO Bank National Association
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem using a debit or ATM card
State: Wisconsin
ZIP Code: 54904
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
The evening of XX/XX/2021 I used a XXXX XXXX ATM to deposit cash I had taken out to buy a lawn mower private party, but the deal fell apart. Anyway I withdrew {$5000.00} that day and because I didnt buy the lawn mower I wanted to put the money back in my account as soon as possible. The ATM was # XXXX the time on the ATM receipt is XXXX. ATM location XXXX XXXX XXXX, XXXX WI. Ive used this ATM before because its less than a mile from my house and Ive used it to deposit cash before and as many as 40 bills as the machine advertises it can handle. I counted 40 XXXX bills and proceeded to deposit them in the ATM the ATM began counting the bills and once it got to 9 it stopped and presented an error message stating it would basically be not returning my deposit and that I should contact my financial institution for support. A little after this message presented itself on the screen the ATM printed a receipt and gave me my card back. For the next 4-5 minutes I sat there stunned listening to the ATM gears turning inside the machine and the ATM was unusable. Eventually the ATM became usable again so I decided to deposit the remaining {$1000.00}. This would allow me to check if my {$4000.00} was stuck in the deposit slot as well as confirm I deposited 40 XXXX bills and not 38 or 39. The second deposit went through without issues. This confirms I counted correctly and proves the first deposit had 40 bills. I have contacted BMO Harris bank and do have an open investigation with them, but this is ridiculous and I cant believe this can happen. If this happens to more people I want it documented.
Frequently Asked Questions
What is Complaint #4816165 about?
Complaint #4816165 was filed against BMO Bank National Association regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2021-10-16T12:00:00-05:00.
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 (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.