Checking or savings account -- Opening an account -- Complaint #7740084
Complaint Overview
Complaint ID: 7740084
Company: BMO Bank National Association
Product: Checking or savings account
Sub-Product: Checking account
Issue: Opening an account
Sub-Issue: Account opened without my consent or knowledge
State: Pennsylvania
ZIP Code: 166XX
Date Received: 2023-10-22T12:00:00-05:00
Date Sent to Company: 2023-10-27T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
I received a statement from BMO Bank of NA saying I had a checking account with XXXX balance. I NEVER opened an account with this company. Not only that but I was told there were 2 accounts opened. The XXXX acct is XXXX. The XXXX acct is XXXX. XXXX was opened XX/XX/23 the other XX/XX/23. They had an email on file of XXXX and a phone XXXX XXXX XXXXXXXX. I was told that the accounts were frozen because someone tried to use it without funds in the account. I asked for a copy of the original application from 2 different people at the bank and was told they couldn't do that. Why not if this is supposedly my account? How did this bank open an account without my authorization? I want it closed out immediately! They told me I have to call back and talk to their fraud department. What kind of bank doesn't have a 24 hour fraud department?
Frequently Asked Questions
What is Complaint #7740084 about?
Complaint #7740084 was filed against BMO Bank National Association regarding Checking or savings account specifically about Opening an account. It was received by the CFPB on 2023-10-22T12:00:00-05:00.
How did BMO Bank National Association respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.