Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XXXX of XXXX, BMO Opened fraudulent checking and savings accounts in my name without my permission. These accounts were opened as Identity Fraud. BMO However states that I authorized these accounts. Which is not accurate, and in fact their Representative XXXX XXXX, Advised that the accounts were opened and funded with a " XXXX XXXX XXXX '' Account that I have never owned nor applied for. I did not Apply for the BMO Accounts. I am a victim of identity fraud. These accounts were applied for online, and I have never once in any of my complaints, Nor Emails claimed to have authorized such. Furthermore, BMO Stole over {$8000.00} In XXXX  Transactions from the account, of my own hard earned money. This is causing financial harm, and its being caused by BMO. At this time, BMO is still falsely providing information. Lets explain further. In XXXX of XXXX, XXXX XXXX to be exact. I received XXXX Singular statement for the month 's of XXXX. This was sent by USPS from BMO and I did not receive it until this date. I advised to BMO that I never enrolled in Online Banking, and I did not authorize any transfers to or from this account including XXXX. BMO Advised to me without any documentation proof that I received or enrolled in online banking, and or XXXX  and also Electronic Statements which is false. I never received a single statement, I did not receive any EMAILS from BMO regarding ANY XXXX Transactions, and I did not enroll in XXXX app nor with their Mobile App. I advised this to XXXX XXXX. In their response BMO states that I authorized XXXX Transactions through my email, and I did not. My Email had been previously hacked, and after recovery it was forwarding to some email address I do not own. XXXX. I reported this to XXXX. They recovered my email address XXXX but I do not know who XXXXXXXX XXXX XXXX  is, and in fact It was some XXXX  address. This has been reported to the authorities. Claim # XXXX, and XXXX Were denied. In their Denial they state that I authorized XXXX  transactions to a XXXX and XXXX XXXX. I never agreed that I authorized these transactions and I can attach a copy of the email where XXXX Advised to let her know if I authorized those, and I advised I did not and I won't be responding to further interrogations from BMO Bank. The Bank has advised that you can not register through the XXXX XXXX  as when you put your information in the XXXX XXXX  it redirects you to BMO. Again, I did not register through the XXXX XXXX, and I did not state I did either. These transactions to XXXX for XXXX XXXX, are and were unauthorized. I do not know this person. On the XXXX Website it specifically states that XXXX should only be sent to someone who is family or you know. I did not know XXXX XXXX. I did not Add XXXX XXXX, I did not sign into the BMO App, and I did not sign into BMO Website. I did not ever at any point sign any contract or authorization for these transactions. On the BMO Site. I did not authorize BMO, At any point to Authorize ANY XXXX Transactions. In fact, at the time of these transactions, My Wallet, Phone and Identity were stolen. I did not sign up for online banking with BMO. I will not accept responsibility for something I DID NOT Conduct. I never registered through the XXXX XXXX, XXXX XXXX, and or BMO Website, Nor BMO Mobile Application. As I stated my Device was stolen, My identification was stolen, My Wallet was stolen. I advised I am already a victim of identity fraud, and XXXX XXXX LIED in the investigation and in fact she called me from HER CELL PHONE. Which should be against Bank Policy. I believe I am entitled to funds BMO STOLE. - XXXX XXXX email and my response I will inform management that you prefer email communication vs a call back. We are checking with XXXX regarding the other transactions. In my previous email, I asked if you are confirming that you never logged into our online banking and only used the XXXX app to make the transactions to your dad and brother. Can you please respond to this question? I want to have it noted when forwarding correspondence to management. 
Hi XXXX, I will not be answering any further questions/ Interrogations. If you have further questions, Please refer back to our call today. If you have additional questions that need immediate assistance I would be happy to provide my attorney 's contact info. This claim has already been open past the 10 Business Day Federal Regulation standard. I have not received credits or my refund at this time for the fraudulent unauthorized charges. I am requesting the refund cashiers check be sent OVERNIGHT Express to me at my address you have on file. As you should have provided provisional credits by now because you did not complete your investigation. I have already answered your questions previously, and instead of continuing to demand more and more and more information my claim should be resolved. I do not have a banking relationship with BMO Further, and I am requesting my money that I am entitled to and the continious delay is preventing me from receiving my refund I am entitled to. Please contact your regulatory complaints department which I have filed a complaint to. 
Per the CFPB 11C Regulation

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