Checking or savings account -- Opening an account -- Complaint #7069466
Complaint Overview
Complaint ID: 7069466
Company: BMO Bank National Association
Product: Checking or savings account
Sub-Product: Checking account
Issue: Opening an account
Sub-Issue: Unable to open an account
State: Washington
ZIP Code: 98109
Date Received: 2023-06-03T12:00:00-05:00
Date Sent to Company: 2023-06-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to complain about a denial of account opening without explanation. At the beginning of XXXX, I tried to open a checking account over the phone with a BMO bank representative. I was denied without a reason, merely that I would receive a letter in the mail explaining why. The letter arrived ( this can be viewed in the attached documents ) but there was still no explanation, just a vague referral to a XXXX report which was allegedly not a factor in the denial. I spoke with XXXX subsequently and received their consumer report which contained ZERO flags or delinquent accounts. This report is also attached. I make over $ XXXX and my XXXX score is over XXXX. BMO owes me an explanation SPECIFICALLY why this account was denied. I expect a BMO representative to CALL ME with this explanation.
Frequently Asked Questions
What is Complaint #7069466 about?
Complaint #7069466 was filed against BMO Bank National Association regarding Checking or savings account specifically about Opening an account. It was received by the CFPB on 2023-06-03T12:00:00-05:00.
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.