Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO Bank, N.A. (CA)

On XX/XX/XXXX I opened a bank account at a branch of Bank of the West at their downtown location. I opened a personal and business account for a business that I had that had recently received ERC checks for when I had a little over XXXX employees back in XXXX. The accounts which are ending in XXXX and XXXX were opened without any type of error or misunderstanding by either myself or the bank. I had to supply ample documentation for the business prior to being approved - in addition to my residency info for the state of California. 

On XX/XX/XXXX I made a deposit into the account of {$180.00}, XXXX into the business account and was quickly told by the teller that this money would not be available until XX/XX/XXXX. I replied to the teller that I understood and would plan accordingly. 

On XX/XX/XXXX I was given notice that my account was closed after coming into the branch. I was asked to wait and could overhear the other bankers discussing my account information in fine detail with anyone within earshot to my dismay. XXXX XXXX XXXX finally came over to the area where I was waiting and shuttled me over to his desk. He told me that they would be closing my account. Did not give reasoning and I was told I would know soon the resolution to this issue. I have called back on ( 5 ) separate occasions since this all took place and was told that a XXXX XXXX XXXX is the only one that can supply information to my account. 

When attempting to call she is near impossible to reach and when I called on XX/XX/XXXX I was told that my account was still open. I quickly let her know that I had received a letter saying my account was closed - which she replied, " No, that is wrong- I see that your account is still open ''. I asked if she could please check on the status of my account and for them verifying the legitimacy of my Department of Treasury check. She said she would and would be in touch with me the following day. When I attempted to call her today on XX/XX/XXXX - I was told she was " busy '' each time. I informed XXXX XXXX that I would be consulting the District Attorney of California and other entities that could assist with this situation. She told me that the time from the time I received notice of closure to the time of yesterday was in her words, " too long '' hence her attempting to take action. 

This money was given to me by the United States government through the Department of the Treasury because of the fact that I had suffered losses by virtue of the pandemic that had occurred throughout XXXX into XXXX. I had largely drawn back staff because of funding by the government for these types of government contracting services were winding down in the VA hospitals that I had won a government contract for. My business has been operational since XXXX and has been in charge of roughly 9 separate VA facilities throughout the United States to include Hawaii. The name of my business is XXXX XXXX XXXX XXXX XXXX. and XXXX is XXXX. My company has paid all federal monies owed to the government and had it not been for this reason - the United States government would have never given me this money. Note : All info about in not confidential info as I am a XXXX XXXX Veteran Owned Small business who has held United States government contracts and are available for review at XXXX. 

In conclusion, as mentioned prior I am a XXXX XXXX Veteran Owned Small Business owner. I also served my country honorably during XXXX in the United States XXXX XXXX XXXX XXXX XXXX from the United States and XXXX XXXX from actions taken in battle for my country. I ask that you please intercede on my behalf and help in the recovery of these funds for my business. I don't believe it's right to close down a XXXX persons account and don't believe it's right to discriminate against XXXX XXXX owned small businesses or veteran owned small businesses in this country under any situation for any individual.