Consumer complaint received 2024-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I have a checking account that I opened with Bank Of The West and BMO purchase Bank Of The West I was at the grocery store and my debit card would not work which should not be the case because I had {$2900.00} in there so I went online and looked right away And they paid a {$4200.00} bank transfer which overdrafted my account by {$1100.00} and I do not have overdraft protection on purpose so that doesnt happen. I never do bank transfers that shouldve been a huge red flag. If it was Bank Of The West this. wouldve never happened. I received a letter a couple days later that says. The following items listed on the back of the page was presented for payment today, and your account reference below had insufficient or unavailable funds to cover the items. However, your item was paid because BMO used our discretion to pay it. I reported this immediately. It was on a XXXX  XX/XX/XXXX and they took the money out a day or a day and a half earlier. I contacted my local branch XXXX, and he filed a complaint for me and he said they would have to do an investigation, and told me that they would have my money back in my account even if the investigation took longer by XX/XX/XXXX which is today and its still not there I tried to talk to somebody to tell him that I needed to put my money back because it was their fault, they shouldve never paid that overdraft and that wouldve never been a fraudulent payment. They use their discretion and they were wrong because I dont have overdraft protection. I dont want it covered because I dont overdraft for that kind of money. you would think they would know that anybody who is going to transfer money out of their account would know how much money they have. They told me, that I would have the money back in my new account by the XXXX. Today is the XXXX and I called them and of course all I can talk to is a customer service representative and then she tried to tell me they have 45 days. This happened at a horrible time, in line at the grocery store in front of everybody so my card doesnt work. XXXX years ago my wife and I lost her XXXX son and then XXXX years ago on what wouldve been his birthday XXXX days before XXXX anniversary. My wife died and I just now got to a point where I can try to meet somebody and I was supposed to meet her for a vacation that she paid, and I would reimburse her for my part later, but I couldnt even go and now she wont even return my phone calls. I cant begin to tell you how hard its been for me to even get to this point and then they have this happened. This is a bunch of XXXX people need to take responsibility thats how I grew up you did what you said you were going to do and you did it honestly These people will not even let you talk to anybody. I really appreciate you taking time to look at this and help me in the best way you can I need to get this resolved its just XXXX XXXX  keep compounding. Normally I have a lot of cash laying around or extra money but I dont right now I have none. I used all my extra money to help my daughter. I dont have anything built back up yet. Ive got a bunch of property and Im trying to sell some of that but thatll take a long time I got to do lot line adjustment and everything else I shouldnt have to. They should have my money put back in my account. Thank you again for taking the time to read this and see what you can do to help. I really appreciate it. Take care, XXXX excuse, the punctuation and grammar I use speech recognition

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