Consumer complaint received 2024-08-13 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: IL

Complaint narrative:
XX/XX/XXXX Office of the Comptroller of the Currency HelpWithMyBank.gov After speaking with a customer service representative on XX/XX/XXXX. I, XXXX XXXX XXXX XXXX, XXXX  ( never married in life ) was advised that it would be best for me to file my complaint in writing. 

On XX/XX/XXXX, I, XXXX XXXX XXXX XXXX, attempted to open up an online account with BMO HARRIS BANK. With the assistance of XXXX XXXX : XXXX. XXXX XXXX : XXXX. XXXX was unsuccessful in opening an online account for me due to my identity not being able to be verified. XXXX XXXX : XXXX had me upload my : United States Passport, my social security card as well as my Illinois Drivers License. BMO HARRIS online portal system consistently rejected my passport, my drivers license as well as my social security card. Therefore, I, XXXX XXXX XXXX XXXX, was not successful in opening up an online checking account with BMO HARRIS BANK on XX/XX/XXXX. 

After, XXXX XXXX : XXXX attempted to open up the BMO HARRIS BANK ACCOUNT and was unsuccessful, he advised me to to go into the branch and open up the checking account that offered a {$250.00} bonus that would be honored if I met all the guidelines by have direct deposits of {$4000.00} within 90 days. XXXX also stated if they needed to call him to call him the XXXX, IL, BMO HARRIS BRANCH reach out and call him. I, XXXX XXXX XXXX XXXX, suggested this to XXXX XXXX XXXX, on XX/XX/XXXX, she did not call XXXX XXXX XXXX : XXXX. In order to verify what I was saying. She consistently insisted that an online BMO HARRIS checking account has already been open up online, except without my consent or my signature. 

I, XXXX XXXX XXXX XXXX, attest that every exhibit that I will use as evidence is concrete evidence to prove, I took XXXX XXXX : XXXX advice he gave me while on the telephone with him on XX/XX/XXXX. 

I first called to set up an appointment. I then called back to reschedule the appoint for XX/XX/XXXX. The purpose of me changing the scheduled date to XX/XX/XXXX was because, I knew after reading the fine print details pertaining in order to qualify for the bonus, I would reach my 90 days on XX/XX/XXXX, because my United States Government Checks had been directed for direct deposit into my new BMO HARRIS BANK ACCOUNT, ending in XXXX on XX/XX/XXXX while in the XXXX, IL. BMO HARRIS BANK BRANCH, on camera in the lobby of BMO HARRIS Bank. Located at : XXXX XXXX XXXX XXXX. XXXX, IL. XXXX. 

As a XXXX XXXX {$25.00} dollar deposit receipt will show I, XXXX XXXX XXXX XXXX signed my name in the presence of XXXX XXXX XXXX, Retail Relationship Banker NMLS : XXXX underneath BMO HARRIS bank cameras as well. It was stated by BMO HARRIS XXXX XXXX XXXX, XXXX XXXX Bank, NMLS : XXXX, that the online account has been set up and I had to except the date it was set up as XX/XX/XXXX. Without a verified signature. Or an updated signature. Neither did she attempt to call XXXX XXXX XXXX : XXXX as he advised for the banker to call. 

I, XXXX XXXX XXXX XXXX, attest to the fact, I never signed an electronic signature for an online account or verified opening up an online checking account with BMO HARRIS BANK on XX/XX/XXXX. 

What I found out was that BMO HARRIS BANK used an OLD SIGNATURE FROM AN OLD ACCOUNT I HAD WITH THAT HAD BEEN CLOSED FOR MORE THAN TWO YEARS. This would be considered illegal. Due to the fact, I never consented for BMO HARRIS to use an old outdated manual signature as an electronic signature in order to open an online bank account with BMO HARRIS BANK. 

Just as important I will be uploading [ NINE Exhibits ]. Proving every incident as well as a letter I, XXXX XXXX XXXX XXXX, spinster ( never married in life ) wrote to BMO HARRIS XXXX XXXX XXXX, Vice President Bank Manager, of the XXXX, XXXX, Branch, who stated it was not her issue. I HAD TO TAKE THIS MATTER UP WITH BMO HARRIS ONLINE DEPARTMENT. I, XXXX XXXX XXXX XXXX, attempt to called BMO HARRIS ONLINE BANK DEPARTMENT on several occasions. But, to no avail received no returned phone calls regarding this matter. 

I was not honored the {$250.00} bonus due to an online account being open up without my consent and with an old outdated signature. Not an electronic signature. On : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all three of XXXX XXXX XXXX XXXX, United States Government checks were direct deposited into XXXX XXXX XXXX XXXX BMO HARRIS BANK ACCOUNT ending in XXXX. Totaling over {$4000.00}. Yet, because BMO HARRIS BANK backdated and allowed an unauthorized online account to be open without an electronic signature that I did not authorized or consent. Again, I was denied the {$250.00} BONUS Neither has this adversed account advertised by BMO HARRIS BANK paid any interest on this particular BMO HARRIS SMART CHECKING ACCOUNT that offered a {$250.00} Bonus. 

I, XXXX XXXX XXXX XXXX, attest to the fact, I insisted on receiving an updated online electronic signature. BMO HARRIS BANK could not verify that I signed for an electronic online account on XX/XX/XXXX. XXXX XXXX XXXX, XXXX : XXXX, XXXX XXXX Bank, located at XXXX XXXX XXXX  XXXX XXXX, IL. XXXX, PRESENTED and SHOWED ME A SIGNATURE OF AN OLD CLOSED OUT ACCOUNT THAT WAS OVER 2 YEARS OLD. A signature, XXXX XXXX XXXX XXXX, never consented too. 

XXXX XXXX XXXX, XXXX : XXXX showed me the old outdated signature in his presence underneath BMO HARRIS BANK CAMERAS. Located at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. He stated the old outdated signature was what BMO HARRIS USED TO OPEN UP AN ONLNE ACCOUNT I, XXXX XXXX XXXX XXXX, XXXX ( never married in life ) consented too or signed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, from an original appointment set-up ) for XX/XX/XXXX ). XXXX XXXX rescheduled the appointment for XX/XX/XXXX. 

Respectfully, XXXX XXXX XXXX XXXX, spinster ( never married in life ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Unit XXXX XX/XX/XXXX Dear XXXX XXXX XXXX XXXX Bank XXXX XXXX BY XXXX ONLY HIGHLY CONFIDENTIAL I would like to have a HIGHLY CONFIDENTIAL CONVERSATION with you regarding how I was treated at the XXXX BMO XXXX XXXX XX/XX/XXXX. 

Before you and I move forward, I would like for you to first contact XXXX, XXXX Number : XXXX, Telephone Number : XXXX, who can attest to the fact, he is the only party I, XXXX XXXX Authorized ] and SIGNED A DIGITAL SIGNATURE WITH. 
However, every attempt XXXX, XXXX Number : XXXX tried to open the Smart Checking Account it was DENIED. As XXXX XXXX, stated to me XXXX XXXX : XXXX. HE HAD TO VOID ALL ATTEMPTS ... MEANING THE ELECTRONIC AUTHORIZED SIGNATURE WAS VOIDED AS WELL. XXXX XXXX XXXX Number : XXXX assured me of this, XXXX XXXX XXXX Number : XXXX is also the only employee of XXXX Bank, IXXXX XXXX spinster, authorize to XXXX soft creditreport profile on me. 

As far as an account that your XXXX XXXX stated wasopened up online. Where IS THE AUTHORIZED DIGITAL SIGNATURE? More importantly, who, when and where was the soft credit profile pulled authorizing an account to me open online on XX/XX/XXXX? 

Please pull all phone cards regarding this matter. From XXXX XXXX XXXX : XXXX. From, XXXX XXXX XXXX Number : XXXX, who I had to call twice to in order to reach the XXXX, Illinois branch. To reschedule my appointment for XX/XX/XXXX. XXXX is the employee who I spoke to and scheduled the appointment with. 

After leaving my first message with XXXX XXXX, who did not call me back. I was giving him a call to let him know, I would not be able to come in on XX/XX/XXXX due to the fact, XXXX XXXX XXXX Number : XXXX scheduled the appointment for me due to the fact, each time he attempted to open the account online it was DECLINED. 

I admit I attempted to open up an account on XX/XX/XXXX. However, I was not successful. I was never given A PROMOTION NUMBER, XXXX XXXX was assigned to an open account with my identity on XX/XX/XXXX. I NEVER SIGNED A DIGITAL RECEIPT for the Smart Checking Account. I never gave anyone besides XXXX XXXX XXXX Number : XXXX the right or should I say authorization to pull a soft copy credit report on me. In addition, XXXX XXXX XXXX Number : XXXX is the only employee of XXXX Bank I gave the permitted A DIGITAL SIGNATURE with XXXX XXXX : XXXX. This promotional code was sent to me on XX/XX/XXXX to my XXXX Mail Account. 

I will upload all evidence from all employees, after you and I speak. As always, thank you. 


Respectfully, XXXX XXXX  ( never married in life ) Publisher|Author|Registered Active Designated Copyright Agent XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Cell Number : XXXX

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 monetary relief