Product: Checking or savings account

On or around XX/XX/year> BMO XXXX XXXX XXXX Bmo Harris Bank ) Allowed fraudulent charges to appear on my account from a stolen debit card. I promptly reported the charges, and I asked at the time of the call for the merchant to be blocked, because it does seem like this merchant is either targeting me and or some how had my information. I have been a victim of Identity Theft. When BMO opened these accounts checking and savings account they did not verify my identity before opening the accounts. I called in to request my debit card be replaced because previously I did not receive the one I was told was expedited. When I called BMO To replace my card yesterday XX/XX/year> the customer service agent said they could not replace my card even though they had previously expedited the card. I advised the agent I did not receive the card and she told me that they were planning to close my accounts in XX/XX/XXXX or XXXX XXXX That I could call back and speak to the fraud department to determine why. The Fraud that has occurred on my account has been from the same merchant 's that I have NEVER conducted business with. I did not grant these merchants my signature, nor approval, nor authorization to EVER Charge my accounts. Yet, BMO has let these same merchant charge my cards several times. I have not received any benefits from these merchants and I have not conducted any business or monetary transactions with these merchants. I advised BMO that I am requesting them to BLOCK this merchant to prevent any charges from EVER occurring from the merchant again. They told me they blocked the merchant, Yet when I realized my card was lost on XX/XX/year> BMO told me that they couldn't do anything about it because they can't replace the cards. I asked If I could go ahead and close the Savings Account and then the checking account once BMO Refunds the unauthorized charges. The lady told me she can close the savings account out, and then later called me and said they need to speak to me about that. I noticed they allowed this same merchant to make charges on my card that they " Expedited '' That I never received yesterday XX/XX/year>. These charges should be disputed as unauthorized fraud, and it appears its from the SAME MERCHANT Again that I previously asked be blocked. I do not live in Oklahoma and I do not conduct business in Oklahoma. I do not know whom the merchant XXXX is and I do not visit Casinos which appears where the charge came from. 
XX/XX/year> XXXX XXXX XXXX XXXX, OK {$950.00}, XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX  OK {$480.00}, XX/XX/year> XXXX XXXX XXXX OK {$1100.00}, XX/XX/year> XXXX XXXX XXXX XXXX XXXX  OK {$840.00}, XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX OK XXXX {$17.00} All of these charges are fraudulent. I am entitled to receive provisional credits. I want the Debit card closed out because it seems like BMO has allowed this XXXX company to breach my account. I am not sure how they can continually bill me for charges I never authorized, nor gave any permission to charge. I did not receive any service nor merchandise from these merchants. BMO is closing the accounts now because of the Fraudulent charges. That I never authorized. I do not know whom conducted the charges. I did report it to the police as I told BMO Before, and BMO Instead of correcting the issue decided to just close the account. BMO Should follow Regulation E Guidelines and provide credit for all the charges listed above as BMO is a regulated financial institution. I do not know whom conducted the charges or what happened but I should not be responsible for these charges. When I send money to the account its not for these charges my money was for my savings before I found out about these charges.