Consumer complaint received 2022-04-22
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to BMO Harris bank last Monday XX/XX/2022, I opened two savings accounts that added up to {$93000.00}. I talked to a banker named XXXX XXXX and he assured me that everything was fine, and he deposited my cashiers checks from XXXX and XXXX XXXX  and gave me a folder with other pamphlets and documents confirming my transactions. The next day I receive a call from XXXX XXXX in the Fraud department stating that I need to give him a call back. But when I called him back I could not reach him for two weeks and I still can not reach him.XXXX and I tried to call him and we both can not reach him and XXXX is a banker there. I have tried to get my case reassigned to someone else in the fraud department that is there, but they will not let me. XXXX weekend I received threatening letters stating that they need documents verifying my identity and stating that there was identity fraud when opening my accounts on XX/XX/2022. The letter went on to say that XXXX XXXX will be closing my accounts on XX/XX/2022. This was not even enough time to get the documents in to them. Also, I this is illegal to hold my money this long when I have cooperated and got the documents in to them. I went into the branch at XXXX XXXX XXXX on XX/XX/2022 and spoke to XXXX XXXX, the man who opened my accounts and showed him the threatening letters mailed to my current address. He said that they were misleading and that my account is open, but there is a hold on it until this Friday XX/XX/2022. I called the fraud department XX/XX/2022 and provided him with the documents that they needed to verify my identity. These documents consisted of my state ID, driver 's license, ssn card, voter 's registration card, medical card, state of XXXX letter and paystub from my job. I could get the utility letter because I am not paying the utility bills so my name would not be on it, but I do live there and this is my current address. So, I asked them if I can provide alternatives to the utility bill and they told me some medical documents would work so I included my medical card and voter 's registration card. XXXX went on to explain to me that if they do not accept my legal documents, my accounts will be closed, and the money will be sent to the state. How is this even legal? I thought everything was settled that day, but it was not, so I called XX/XX/2022, and I spoke to about five different people in the fraud department named XXXX, XXXX, XXXX and XXXX. All of whom gave me the run around. But I think that they are trying to withhold my money from me by freezing my account so suddenly. I believe that I am being discriminated against because I am a young XXXX female trying to deposit a large amount of money. These policies that they have are discriminatory. If I was a XXXX young female with a large amount of money, they would not be doing this to them. But since I am not, I am made out to be a criminal and now they are trying to take my hard-earned money from me. I am not going to be able to pay rent if they don't release it. I spoke to a man named XXXX today and he told me that they have not been able to verify my checks at the bank, but I have copies of the checks that I deposited with them, and I have proof that they are real and that I am XXXX XXXX the young lady who sat with XXXX XXXX XXXX XXXX XXXX and deposited the checks. It was so easy for XXXX XXXX to put a hold on my account, but they are all making it so hard for me to have the hold lifted. XXXX XXXX will not pick up the phone and now I keep getting an answering machine and no one will answer my calls and give me an update on my accounts. I need this to be on the news and I need some help either to withdraw my money from this bank or get the hold lifted. I have never gone through all this at a bank before in my life, is this even a real bank. I have been through two weeks of XXXX trying to unfreeze my accounts. If someone can please help me.

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