Credit card -- Problem with a purchase shown on your statement -- Complaint #7871217

Complaint Overview

Complaint ID: 7871217

Company: BMO Bank National Association

Product: Credit card

Sub-Product: General-purpose credit card or charge card

Issue: Problem with a purchase shown on your statement

Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement

State: Nevada

ZIP Code: 89123

Date Received: 2023-11-17T12:00:00-05:00

Date Sent to Company: 2023-11-17T12:00:00-05:00

Company Response: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I made timely claims to Bank of the West and Bank of Montreal dating back to XXXX of XXXX for money taken from my secured credit card before, during and after their merger. On XX/XX/, a representative named XXXX seemed to understand the fraud that happened to me and went as far back as she could to resubmit the claims I had submitted dating back to XX/XX/. While my cards were used, and possibly duplicated, many of my accounts were hacked and my identity appears to have been stolen. XXXX, submitted these claims after she reviewed them for three days. When she resubmitted the claims she also gave me an immediate provisional credit and unfroze my access to remove the cash from my secured card whereby they were holding $ XXXX of my money against. I had been trying to close the account and remove the cash I had in it because Bank of Montreal and XXXX XXXX XXXX XXXX had mishandled my fraud disputes on both my debit and credit cards for months, dating back to XXXX XXXXbut the bankers at the XXXX branch in XXXX XXXX told me they didnt know how to close my account and forced me to keep it open. I requested that my cash advance fees and interest on cash advances be reversed on or about XX/XX/. The woman told me she reversed this and instead of reversing it, she double charged me. On XX/XX/XXXX, a woman from the credit card department named XXXX contacted me and told me she wanted to go thru the list of claims for the life of the account and consolidate my claims and resubmit them to be investigated. While this was unexpected, she still wanted to do this right then. She refused to look at the fees and other charges. She grew impatient and said she would call me at XXXX on Monday, XX/XX/. She did not contact me whatsoever as scheduled and she did not give me a number to call her. On Tuesday XX/XX/ she called and wanted to proceed. She took all the items that I thought should be in the claims, even though they should have already had all the information. She ended with asking me specific questions about my cards being stolen. She would not entertain any of the other reasons some of the items were claimed and forced the reason of the cards being stolen to apply to every dispute which is not accurate and further makes me distrust this bank. She would not give me a new claim number and she did not provide me with any provisional credits, no fees reversed, and did not address my concerns regarding the time frames that have passed whereby an investigation should have already been completed.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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• BMO Bank National Association Company Profile
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