Consumer complaint received 2024-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2024, Claim Number XXXX, XXXX Were opened due to Fraudulent transactions that had occurred on the BMO Checking account that they opened due to identity fraud. Previously BMO did not sent any statements for the account, and stated that they sent these statements by E-Statement, Which I never received. Nor did I enroll in Estatements. BMO Charged me a paper statement fee as well, I did not get the XXXX - XXXX Statement until XX/XX/2024. At the time of receiving the first statement in the mail I reported Fraudulent transactions listed below. Thus why these claims were opened. Instead of resolving the Claim BMO Called me to interrogate me. Telling me they saw another transaction to XXXX and XXXX XXXX. Which is not related to my claim. I advised BMO my phone was stolen at the time of the transaction. I advised that the only transactions I was reported is to a XXXX XXXX ( XXXX Transfers ) Which I did not authorize. However, They continued the interrogation on the phone telling me that XXXX XXXX XXXX  was used to fund the account and why was this used for funding. Again this has nothing to do with my claim. The agent XXXX XXXX was very hostile on the phone and very dissrespectful. Originally XXXX stated they closed my claim because it is past XXXX  days since the day of the statement however they didn't even give me the statement in the mail until XXXX. Which is when I reported these transactions. Per the Law 's I have XXXX  Days from the date of receiving my statement to report an error. Therefore I am still within the XXXX  Day timeframe of when I received the statement. Lastly, BMO brushed these transctions under the rug and refuse to provide a refund for these transactions I did not conduct, I do not know this person, I do not know whom this person is. The BMO Account is closed, and I fully expect a refund check for the money that was stolen from me unauthorized transfers. At this time BMO has not resolved the claim. I have not received any statements since, and I have never received any statements for the savings account either. I do not know whom conducted these transactions but I do believe it should be reviewed and corrected. AS THESE ARE UNAUTHORIZED. 
XXXX XXXX out to XXXX XXXX XX/XX/2024 {$260.00} XXXX XXXX out to XXXX XXXX XX/XX/2024 {$520.00} XXXX XXXX out to XXXX XXXX XX/XX/2024 {$940.00} XXXX XXXX out to XXXX XXXX XX/XX/2024 {$500.00} XXXX XXXX out to XXXX XXXX XX/XX/2024 {$500.00} XXXX XXXX out to XXXX XXXX XX/XX/2024 {$650.00} XXXX XXXX out to XXXX XXXX XX/XX/2024 {$600.00} XXXX XXXX out to XXXX XXXX XX/XX/2024 {$180.00} XXXX XXXX out to XXXX XXXX XX/XX/2024 {$580.00} XXXX XXXX out to XXXX XXXX XX/XX/2024 {$160.00} XXXX XXXX out to XXXX XXXX XX/XX/2024 {$180.00} XXXX XXXX out to XXXX XXXX XX/XX/2024 {$500.00} XXXX XXXX out to XXXX XXXX XX/XX/2024 {$500.00} XXXX XXXX out to XXXX XXXX XX/XX/2024 {$580.00} XXXX transfer out to XXXX XXXX XX/XX/2024 {$160.00} XXXX XXXX out to XXXX XXXX XX/XX/2024 {$180.00} XXXX XXXX out to XXXX XXXX XX/XX/2024 {$500.00} XXXX XXXX out to XXXX XXXX XX/XX/2024 {$500.00} Transactions not Paid {$8000.00} for account ending in XXXX, Claim was filed on XX/XX/2024.

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