Consumer complaint received 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Since XXXX, I have had my Mortgage, Home Equity Line of Credit, Credit Card, Savings and Checking account through BMO Harris Bank. 

In XXXX, my ex sister in law began working at BMO Harris. I had a strong feeling she was illegally accessing my confidential financial accounts as I was in post decree litigation with her brother, my ex husband, over financial issues concerning my minor son. 

On XX/XX/XXXX I spoke with a BMO Harris employee ( XXXX XXXX ) who notarized a document for me. I explained my concerns & asked how I could go about asking BMO Harris to look to see if my accounts where being looked at. No investigation was initiated by the BMO Harris employee that I am aware of. 

Again on or about XX/XX/XXXX, I had the same exact conversation with BMO Harris employee, XXXX XXXX, who handled my HELOC with BMO Harris. No investigation was initiated from this discussion that I am aware of. 

Between XXXX XX/XX/XXXX, I called BMO Harris asking them to do an internal investigation into all of my financial accounts. More specifically, I wanted to know if my ex sister in law was viewing them. After many calls on my end and some run around from BMO Harris, I was finally advised around XX/XX/XXXX by XXXX XXXX ( BMO Harris investigator ) that my inquiry had been escalated up and that I would be hearing shortly from XXXX XXXX, Head of Banking at BMO Harris. 

XXXX XXXX and I spoke on XX/XX/XXXX for the first time. This is when he advised me that my ex sister in law had in fact been looking at my accounts and admitted to passing my financial information outside of the bank, to a family member ''. 

On XX/XX/XXXX Senior counsel XXXX XXXX advised me over the phone that my ex sister in law told them that she was investigating me for FRAUD, on behalf of a family member. That makes me livid! Not only should she not have had any authority whatsoever to view any of my documents, her current position at XXXX XXXX is not to investigate fraud in any capacity. Nor should she have illegally passed my confidential information to anyone outside of the bank. Nonetheless, XXXX XXXX did not terminate her from her current position and has put no safeguards in place so that my financial accounts and personal information are kept safe. 

A fair resolution would be if BMO Harris offered and produced the following to me within 10 days : 1 ) A copy of BMO Harris s entire investigative file in this matter, including training materials / bank employee polices and procedures Re : breach of contract, privacy rights etc and disciplinary action taken against their employee, my ex sister in law. 
2 ) An affidavit from my ex sister in law, stating what financial accounts she accessed of mine, the dates they were accessed, if she ran my credit report, if she viewed my credit report and when, who she disseminated my confidential financial information outside of the bank too and the dates this information was disseminated? 
3 ) XXXX XXXX remove this employee who criminally and illegally looked up my confidential accounts by immediately terminating her all together. 
4 ) All of my attorney fees be covered by Harris Bank under the legal cause of action, breach of contract and breach of fiduciary duties etc. as well as attorney fees currently pending in XXXX County ( post decree ) matter. 
5 ) That my medical bills related to this incident ( after XX/XX/XXXX- present ) be paid for up to {$100000.00} that are all casually related to this illegal incident and breach of contract- fiduciary rights suffered by XXXX XXXX employee , my ex sister in law. 
6 ) Mental Anguish, Pain and suffering, Punitive & Compensatory damages all in the the amount of {$400000.00}. This breach was done with malicious intent. BMO Harris is liable for their employees criminal actions, along with Data Breach, Breach of Contract & Breach of Fiduciary duties / rights. BMO Harris continues to be negligent as they did not terminate my ex sister in law or remove her from her position where she can continue to view / access and disseminate my confidential information to anyone outside of BMO Harris bank! 
7 ) BMO Harris agrees to provide identify fraud protection ( up to {$1.00} XXXX in coverage ) as well as credit monitoring for the next 10 years at no charge to me. 
8 ) BMO Harris Bank agrees to convert my current mortgage ( 5 year arm ) currently at 3 % interest rate to a 30 year fixed at 2.75 % within 30 days. Additionally, that for the next 20 years BMO Harris will provide a 30 year fixed mortgage at 2.75 % ( up to {$350000.00} mortgage ) to me in the event that I sell my current home and purchase another. 

Thankyou, 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 non-monetary relief