Consumer complaint received 2022-09-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid 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

Complaint:
BMO Harris Mastercard refuses to enter my dispute for XXXX dollars of a XXXX dollar bill from XXXX XXXX XXXX. I have never experienced this with a credit card company. The situation is that the dealership sold me a battery, and offered a free tow and to put it in. Then the bill shows {$190.00} for something called a XXXX that I did not co sent to. They claim that the XXXX is necessary for the battery to work correctly, I have inquired with other mechanics and they think that is absurd. I tried to resolve the issue with XXXX, the manager would not come out to speak to me and I was not going to enter their office area as another associate from XXXX attempted to grab my cell phone out of my hand which made the situation hostile to any reasonable persons view. 
The dealership refuses to give me a print out of this XXXX, the results of it or any documentation. 
They also refuse to tell me how long it is that this XXXX took- they claim it is considered an hours work, well their shops hourly rate is maybe XXXX an hour, not XXXX, and in XXXX this is called gauging. They did nothing but drop a battery in the car and that was something they offered to do with the purchase of the battery ( just like an XXXX  would do... free of charge ). 
Notably, as a consumer I gladly would have gone elsewhere, but XXXX is the only ones selling XXXX XXXX and they effectively have a monopoly - and that makes this mysterious XXXX something that they then force on the consumer - in my case without any prior authorization - because i would have towed the car out, taken my purchased battery, and had any other shop put it in - for free - and I would tip them.

BMO harris Mastercard are operating out of XXXX I believe, they do not operate the way we do in the XXXX, and they will just tell you that you do not have a valid case. 

I had a very similar situation a year ago but with XXXX XXXX  tire for around XXXX dollars, effectively XXXX looked at it and then said they couldnt fix it due to regulations... nevertheless they did not so what I asked and Instead they tried to sell me not one..but 4 new tires!. Ths credit card company accepted my dispute of the charge and it was over with. 

BMO Harris also needs to answer to why they insisted I bring proof of employment, XXXX paystubs, and 2 forms of Identification to one of gheir branches foe them to unlock my card - and this is after I had used it for a purchase which made this even more strange. Their " Fraud '' department overstepped, and ultimately they did what they had to do which was unlocking my card. Keep in mind, I am in Massachusetts, and there isnt a BMO harris bank in the entire state. 
So theyve already wasted alot of my time since the inception of my card account with them. 

They really should not be doing business in Massachusetts, and maybe the entire country. 

They need to be educated on consumer protection laws. In MA you have 3 days to dispute things as a consumer as well. They need to learn about gauging laws in the states they wish to do business in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation