Checking or savings account -- Managing an account -- Complaint #8009653
Complaint Overview
Complaint ID: 8009653
Company: BMO Bank National Association
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem making or receiving payments
State: California
ZIP Code: 90064
Date Received: 2023-12-15T12:00:00-05:00
Date Sent to Company: 2023-12-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I was a Bank of the West customer, which merged into BMO. I had a person XXXX me money using my mobile number. Previously I have used XXXX with another financial institution which I have not had for a year as well as with Bank of the West. When I received the XXXX payment on XX/XX/2023 at around XXXX I got a text message to enroll with XXXX through my financial institution. I went on the BMO website and enrolled with XXXX through BMO. I received an email from BMO welcoming me to XXXX. On the BMO website meanwhile I was given an error, that my phone number was previously used at another financial institution and therefore I can not use it with XXXX on BMO. I contacted BMO support they told me there is nothing they can do without previous institution releasing my phone number or " token '' from XXXX. I contacted my previous financial institution. They told me my phone number had no XXXX profile with them. They gave me XXXX 's customer service info. I contacted XXXX customer service. They told me my phone number was not associated with any kind of XXXX profile and I was free to use it with any institution I wanted. I contacted BMO again to let them know of this information. They told me there is nothing they can do, that I should register a new phone number ( I only have a single phone number ) and then have the person re-zelle me with this new telephone number. They hung up on me multiple times after I told this this was not a possible option. My transaction is now sitting in XXXX waiting to be claimed. BMO will not do anything about it, meanwhile XXXX is saying that this phone is free to be claimed.
Frequently Asked Questions
What is Complaint #8009653 about?
Complaint #8009653 was filed against BMO Bank National Association regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2023-12-15T12:00:00-05:00.
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.