Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) XXXX  XXXX XXXX XXXX  XXXX DC XXXX To : XXXX XXXX XXXX ( XXXX ) Subject : Formal Complaint Regarding Fraudulent Depletion of XXXX Benefits, Unauthorized Access to Accounts, and Police Involvement in XXXX-related Activities Dear Sir or Madam, I am filing a formal complaint against BMO Harris Bank , XXXX XXXX  XXXX XXXX XXXX and individual police officers involved in unlawful activity and fraudulent financial actions that have caused severe harm to me, a XXXX XXXX survivor. 

I. Unauthorized Access and Depletion of Funds : BMO Harris Bank has enabled unauthorized access to my accounts, resulting in the complete depletion of my XXXX benefit funds. These funds are crucial for my survival and were deliberately stolen from my account through fraudulent transactions linked to Detectives XXXX XXXX and XXXX XXXX, who have had illegal access to my personal information and financial accounts. 

Additionally, XXXX XXXX XXXX XXXX has allowed fraudulent accounts to remain on my credit report despite my attempts to address this matter. These accounts were opened through coercion and abuse during my XXXX  period, and they are linked to my financial exploitation. 

II. Demand for Compensation : Given the unlawful access to my accounts and the depletion of my Social Security XXXX ( XXXX ) benefits, I demand immediate restitution. I request a check be issued to me for the full amount of my XXXX benefits for the last two months that were stolen from my accounts. 

This theft is a direct violation of my rights, and I am entitled to the restoration of these funds immediately. 

III. Violations by Law Enforcement and Bank : As a survivor of XXXX XXXX, I have been subjected to further victimization by local police officers who have stolen my personal electronics and misused my private information for fraudulent purposes. These actions have been coordinated with BMO Harris Bank and XXXX XXXX  XXXX XXXX to perpetuate a system of exploitation. 

The actions of the police officers involved, including XXXX XXXX XXXX and XXXX XXXX, represent unlawful acts that are a direct violation of my civil rights. I demand that they be held accountable for their criminal actions. 

IV. Immediate Legal Action and Next Steps : I am no longer willing to tolerate the exploitation and criminal actions directed at me. I am taking immediate legal action against BMO, XXXX XXXX  XXXX XXXX, and the involved law enforcement officers for their coercion, fraud, and theft. 

I demand that these entities : Cease and desist from any further exploitation of my personal information. 

Provide full restitution for the stolen funds. 

Ensure that these unlawful acts are investigated and that those responsible are held accountable. 

V. XXXX XXXX Survivors Rights : As a XXXX XXXX survivor, I am entitled to legal protections under federal and state law, including the Debt Bondage Repair Act and FCRA provisions. The unlawful actions perpetrated by BMO Harris Bank, XXXX XXXX  XXXX XXXX, and law enforcement officers are in direct violation of my rights under these protections. 

I am submitting this complaint to the CFPB, XXXX, and all relevant regulatory bodies. If my demands are not met within five ( 5 ) business days, I will take the necessary legal actions to protect myself and ensure that my rights are fully enforced. 

VI. Request for Acknowledgment : Please confirm receipt of this complaint and provide updates on the status of the investigation. I look forward to the immediate resolution of this matter. 

Sincerely, XXXX 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 explanation