Checking or savings account -- Closing an account -- Complaint #6806062
Complaint Overview
Complaint ID: 6806062
Company: BMO Bank National Association
Product: Checking or savings account
Sub-Product: Checking account
Issue: Closing an account
Sub-Issue: Company closed your account
State: California
ZIP Code: XXXXX
Date Received: 2023-04-06T12:00:00-05:00
Date Sent to Company: 2023-05-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
1. On XX/XX/XXXX I went to a BANK of the WEST branch my accounts were opened in, to make a needed cash deposit. A XXXX looking XXXX teller at XXXX, XXXX branch was picking out XXXX looking people behind me in line to wait on. I am XXXX XXXX. She refused to wait on me. There was no separate language line. She said she normally worked XXXX XXXXXXXX XXXX and was the manager. I complained and XXXX guy came in and she eventually waited on me, but took at least XXXX minutes to give me my change and refused to give me a deposit slip for my cash deposit into my own acct. I ended up calling the XXXX Police for help and reported the incident to bank Corp office XXXX XXXX XXXX XXXX 2. Thereafter bank wouldn't let me take money out of XXXX branch ATM when funds available ; wouldn't let me access my accouts ( XXXX checking accts ) online after accepting my LOG-IN & PASSWORD. I contacted bank over XXXX times XXXX XXXX XXXX of banking problems ( race discriminations, denied acct access, retaliations ), to NO AVAIL. 3. On XXXX by phone, bank told me bank had closed my 2 checking accts ( that had money in them ); said no reason why was found or listed and said there was nothing I could do about it. This was XXXX XXXX day before federal holiday XXXX XXXX XXXX XXXX. I couldn't get my money out ; I couldn't transfer funds. I had a $ XXXX monthly gym debit electronic charge that went thru on the XXXX of each month. 4. Bank of the West violated federal discrimination laws and retaliated against me and then harmed me. My main checking acct was where my monthly Social Security disability/retirement $ $ $ went into. The debit card to that account could only be used at a Bank of the west branch ( no XXXX ability ). I couldn't receive my XX/XX/XXXX Social security money because the XXXX needs changes put into their system before the XXXX of any month, for the changes to timely go into effect, So I DID NOT get my XXXX XXXX XXXX XXXX XXXX XXXX XXXX because of what this bank did to me. 5.. Without just cause or a reason, the bank just closed my accts and gave me untimely deceitful mailings with fraudulent postmarks the bank ( not USPS ) put on the bank 's mail notices, dated a deceitful XX/XX/XXXX date, XXXX digit XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) and time stamped XXXX XXXX, when mail actually had to be sent in XX/XX/XXXX as the mail was not received until XX/XX/XXXX of bank closing my 2 checking accts. Bank also sent me notice of closing my friend XXXX XXXX 's checking acct. He is XXXX XXXX also ( XXXX ). He address is in XXXX, CA while my address is in XXXX XXXXXXXX XXXX XXXX. 6. Bank closed my accts that had money in them to cover my monthly {$10.00} gym membership fee, and then tried to PROFIT from their deceits, fraud and retaliation, by charging me XXXX XXXX XXXXXXXX fees. Bank closed my accts preventing the electronic bill to be paid electronically and now is threatening to ruin my credit and is saying I must pay the bank {$80.00} or the bank will report me to credit bureaus. 7. I had banked with BANK OF THE WEST for over 10 years and never had a problem prior to the XXXXXXXX XXXX and people blaming XXXX for it. 8.. The Corp Office promised me on XXXX XXXX, XXXX that it would investigate the XXXX HATE DISCRIMINATION I experienced earlier that day at its XXXXXXXX XXXX XXXXXXXX, but never did. Instead, XXXX office retaliated and unlawfully closed my XXXX checking accounts and harmed me. XXXX. Both of my checking accounts were opened years ago with NO OVERDRAFT PROTECTION & with NO NSF option. I set them up this way due to past ID thefts. In XX/XX/XXXX when I contacted bank toll-free Customer Service XXXX XXXX unlawful OVERDRAFT & NSF fees XXXX I was told " Too Bad :, that it didn't matter if my accts were opened not to have charges go thru if funds not available or not there.
Frequently Asked Questions
What is Complaint #6806062 about?
Complaint #6806062 was filed against BMO Bank National Association regarding Checking or savings account specifically about Closing an account. It was received by the CFPB on 2023-04-06T12:00:00-05:00.
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.