Checking or savings account -- Managing an account -- Complaint #5628714
Complaint Overview
Complaint ID: 5628714
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: 60101
Date Received: 2022-06-02T12:00:00-05:00
Date Sent to Company: 2022-06-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
On XX/XX/XXXX while trying to make a small purchase at XXXX, my debit card could not be used,,, i tried to use a second time and same issue. showed denied funds. i just thought it was the new price checkout.. got home after midnight on XX/XX/XXXX and tried to login to online banking at bmo harris, was denied entry many times... was never able to get it.. then a number appeared stating i needed to call, when i called the number, that recorded message said closed and gave hours available ... early the same morning i received a call from a XXXX at XXXX XXXX XXXX XXXX stating she was with fraud division at bmo harris bank , after numerous attempts to contact her and leave voice messages Inever heard from her.. contacted my local branch her in XXXX illinos and they also tried to contact her, they did mention a deposit made around 3 weeks ago for XXXX seemed suspicious and froze my money in both accounts .... the time the money was deposited, the money showed it was on hold and after many days was released to my banking account ... .why are they going after something 3 weeks ago and approved by bmo harris and now messing with me paying my mortgage and all my bills, i need my money as i have direct deposit thru my work there is no reason why I have to live without my funds
Frequently Asked Questions
What is Complaint #5628714 about?
Complaint #5628714 was filed against BMO Bank National Association regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2022-06-02T12:00:00-05:00.
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.