Checking or savings account -- Managing an account -- Complaint #6207156
Complaint Overview
Complaint ID: 6207156
Company: BMO Bank National Association
Product: Checking or savings account
Sub-Product: Other banking product or service
Issue: Managing an account
Sub-Issue: Problem making or receiving payments
State: Illinois
ZIP Code: 600XX
Date Received: 2022-11-15T12:00:00-05:00
Date Sent to Company: 2022-11-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
ON XX/XX/2022, I used bill pay at BMO Harris Bank and scheduled a payment to be sent.The payee did not accept on line payments so a check was mailed by the bank and the bank debited my account 3 days later. 6 weeks later I found that the payee never received the check, but my account had been debited by the amount. XXXX XXXX, I have asked the bank why the account was debited when the check had not been submitted. ( There was no information on the website explaining this practice. ) Response from the bank was that is the way digital pay is done. I asked the bank when the bank reverses the debit to my account. They do not ever reverse the debit unless I file paperwork to show the check was not cashed and request that the amount be added back to my account. I also asked if I closed my account without knowing the check had not been cashed, would there be an audit to identify that transaction and credit my account. Answer : no. I asked who would get that money in that case. No answer. I think this happened once before, but I can not check it since the bank does not keep records older than 7 years. To insure that this does not happen again, I will not use digital bill pay for payees not accepting on line payments. I think this practice should be reviewed and hopefully be changed in some way. I do not believe that the bank should debit my account when a check has not been cashed.
Frequently Asked Questions
What is Complaint #6207156 about?
Complaint #6207156 was filed against BMO Bank National Association regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2022-11-15T12:00:00-05:00.
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.