Consumer complaint received 2024-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

4th time filing. I will be contacting an attorney at this point and suing BMO. I would like a hearing. Ive requested this two times now to prove my identity theft. They have clearly not looked into the notes placed by the XXXX XXXX vice president XXXX XXXX. They keep stating the same information without doing the research. I am going to attach all correspondence that I have stated up until this point. Im also attaching police report showing identity theft. I would like a hearing and I would like this within 60 days. I will be reaching out to an attorney Monday morning. 


Previous complaints That BMO keeps setting back stating unfounded because theyre not looking into it. All theyre doing is taking a fraudsters word and some banker who clearly did not do their research the first time correctly. They are not taking the word of their very reputable consumer who has had a lot of money with them over the years. Im appalled and disgusted and taking my money out ASAP as soon as I can. I absolutely hate this bank and everything it stands for now.

Original emails below. Have sent two complaints thus far and will continue to send complaints every time they are denied until this is remedied honestly. Attached is the records of the fraud that took place at XXXX XXXXk during the same time, as well as the police report. I request a hearing and an appeal for this. This is not true and I have a lot of evidence to prove it. I would like to request the notes from BMO in XXXX XXXX inputted by Vice president XXXX XXXX. I would like to request the audio of the phone call stating that I authorized these transactions and was in possession of a debit card, Had I had said anything stating a check had been deposited by an ATM it wouldve been followed up by an unauthorized individual, not me. This was NOT done by me. I am a VICTIM and for some reason, the perpetrator is being the one given the benefit of the doubt. This is ridiculous. What kind of consumer Protection is a victim, continuing to be victimized by the bank? I will Sign an affidavit that I had nothing to do with this. I dont know why thats not offered to me. A thorough investigation has not been completed on this. It is clear that somebody on a phone call with me, documented incorrectly, and I would like the audio recording to be reviewed. I will provide my other bank statements from my other bank, showing the fraud that took place during this time, In which I was found innocent of, along with several other police reports showing fraud for the past six months. I will not give up on this. I am a Victim, continuing to be victimized by the bank, and I have rights as a consumer. I hope the department of consumer affairs investigates this further and allows me in appeal and a trial . Original complaint and second complaint Original complaint dated XXXX  I have been the victim of severe identity Theft, which included my bank accounts at XXXX XXXX and BMO. Somebody access to my accounts fraudulently and changed the security codes for me to be locked out, change the address and phone numbers and mailed themselves a debit card. They access a pin via email reportedly and was able to use my debit card at ATMs, casinos, and other various locations in other areas I clearly was not. XXXX XXXX did a great job with refunding the funds, however, BMO will not refund approximately $6500, because a pin number was used. They argue that they cant prove that I didnt give my pin number to somebody. Its ridiculous and its a lot of money that I should not be held liable for per consumer protection laws. My account has continued to be compromised at this bank, and I am pulling my money out immediately and going to a different bank. Received response from an XXXX XXXX XXXX  from BMO and then they closed my consumer affairs report without my feedback. Per XXXX XXXX response letter dated XXXX, I allegedly had a call on XXXX XXXX XXXX with BMO in which I stated I had deposited an XXXX check and confirmed I was in possession of my card. If they looked in their files they would show this is completely not true and a blatant lie. A fraudulent IRS check was deposited in my account so that they could continue to take money out of my account over the weekend. This was not in my name. It was not a real person, nor was it a real check. XXXX XXXX, VP at the XXXX  BMO branch is very aware of this entire issue and it is very well documented internally, something I have seen with my own eyes. I have never had a debit card released to me on on my account. When Bank of the West was sold to BMO earlier this year, they automatically sent out debit cards to everybody, something I never had on my account, clearly mine was intercepted. They can look and see a debit card has never been used on this account other than the fraudulent charges. It was never activated by me. I never used a chip, a pin, no part of a debit card. A stranger was about to activate a pin number via email somehow, also documented internally. I would like to request the proof that this was me, they use ATMs and there is video. I would also like to request that you guys review all of the internal notes regarding the fraud activity that took place in late XXXX  and early XXXX XXXX. XXXX XXXX  also stated that no address change was ever found on my account. This is also fraudulent and a lie. If they go back to XXXX  and XXXX XXXX, they will see that an address in XXXX  XXXX  was placed on my account, along with a new phone number, a new email address, and my security passcode was changed, locking me out of my accounts completely. They also went back and verified that my correct information was the one that was previously on the account and I had to jump through many many hoops to get it changed back . I dont know why they are lying and stating none of this happened. I also experienced fraud at XXXX XXXX during this same time and they actually investigated it took care of it no problem, As it was very clear, it was fraud. I am reattaching the police report and I am asking for more information to be received to show proof of this guys response be my allegations. I am tired of the lies of BMO. I am leaving BMO for chase immediately as a result of all of this, and I recommend anybody else do it too because they will steal your money without any questions asked. I want this money back that was stolen from me. they owe me rightfully per my own protection with consumer affairs. Im happy to sign an affidavit stating I did not authorize anybody to get or use a debit card into my account. I am again asking that all the records be thoroughly reviewed and even requested by the department of consumer affairs, and attached to final response by BMO, which will prove XXXX XXXX is lying in this report. I will continue to reopen these consistently every day for the next 20 years if thats what it takes to get this is actually investigated and not a bogus response Just because they dont wanna pay for it. I do not believe the department of consumer affairs should get a letter back from the company and just assume that thats reality And close the case, without any further documentation for me, I can gladly prove. Please see attached police report. They also blocked the $XXXX Check, so if I had deposited this, then wheres the money for that? Its not there because it was fraudulent! Please also see attached letter written back from XXXX XXXX from BMO showing the blatant lies that he chose to tell without clearly doing any research. If anybody talked to me on XXXX XXXX and stated that I said I was in possession of my card, they are lying And I would like to hear the audio recordings showing I said this, as they are recorded per . I have never had a debit card, certainly was not in possession of a debit card in XXXX  and early XXXX, and definitely Did not deposit from a mobile deposit a fraudulent IRS check in a completely different name. I still to this day do not have a debit card and they are blocked on my account From being ordered. I am still getting people trying to access my account at BMO and it has been 5 months. I get a new email several times a week stating my password has been changed. Get it together BMO. This is completely unacceptable and anyones money is completely unsafe here. I was just in the process of completing a HELOC with them in which I am canceling immediately, Taking my money out of BMO, along with my dad who has a very large amount of money in BMO And an extensive history for 45 years with them because of this issue And the lack of respect and care to even try to investigate my claims honestly with due diligence