Product: Checking or savings account

I attempted to get help from XXXX XXXX and they are blaming this on BMO as they don't have control over the funds. Below is my first and second complaint to XXXX XXXX. XXXX, almost XXXX months has gone by and this is ridiculous. I just want my money back and to be stress free. I have nothing to my name now and it's a miserable feeling EVERY SINGLE DAY.

First Complaint : " I'm XXXX and still living with my mother. I had a substantial amount of money ( to me ) saved up. Right at {$100000.00}. I held it all in my XXXX account. ( I used it for a " savings '' account ) I transferred it all into my XXXX XXXX checking account as I'm looking to buy a house soon. I deposited the funds ( {$100000.00} ) on XX/XX/XXXX. All the withdrawals were made less than a week later. A total of {$95000.00}. XXXX was even a " Business to business '' transaction and I don't even have a business account. I don't check my checking account balance often because I use credit cards and pay them off with my checking account balance, so I didn't notice any of this until yesterday ( XX/XX/XXXX ) while I was at work and immediately left due to the fact my life savings at XXXX are just up and gone. I call XXXX XXXX yesterday ( XX/XX/XXXX ) and they tell me everything is fine as it wasn't my fault. I ask them to cancel my card and change my account number AND turn off wire transfers completely. Today ( XX/XX/XXXX ) I get a call from XXXX XXXX and I am told that they think I spent {$95000.00} in under a week. Due to who the merchant the money was sent to because I have used them in the past ( XXXX and middle of XXXX ). I go on to tell the lady that {$95000.00} almost XXXX figures is a lot to spend for someone who is a XXXX  and it takes XXXX years to make that sort of money, and that's not spending a XXXX of it. Goes on to tell me the chances are small that I get my money back and can't tell me where the money even ended up. Have had issues from XXXX XXXX before and this does it for me. {$95000.00} doesn't vanish and all you can tell me is " we think it was you, because you've used this merchant in the past '' I want my XXXX  years of saving money back as my whole future just went down the drain Second Complaint : " This would be my second complaint as the first was no where near complete. I had a total of {$95000.00} withdrawn from my checking account and XXXX XXXX returned {$35000.00} of it. They have gone on to say that the remaining amount was my fault and they " assume '' it was me. I have stated over and over that it makes no sense to refund any of the amount if you " assume '' I am the one who has done this. If XXXX XXXX was so positive of this fraud being me, they would not have returned any of the money that belongs to me. There is more to the story and I have yet to hear any of it. I have still yet to hear where the money has gone or if there's even a little bit of chance I'll get the money back. Like stated, it makes no sense to refund some of the money but then accuse me of the other bit of it. No one would do such a thing. '' Everything I have done to get MY money back and will keep going. 

XX/XX/XXXX XXXX claim to CFPB XX/XX/XXXX Claim to FDIC XX/XX/XXXX XXXX Claim to CFPB XX/XX/XXXX Claim to OCC/Comptroller of CurrencyXXXX XX/XX/XXXX Claim to FBI/IC3 XX/XX/XXXX. XXXX Claim to Attorney General of Alabama