Consumer complaint received 2023-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
1. On XX/XX/XXXX I went to a BANK of the WEST branch my accounts were opened in, to make a needed cash deposit. A XXXX looking XXXX teller at XXXX, XXXX  branch was picking out XXXX looking people behind me in line to wait on. I am XXXX XXXX. She refused to wait on me. There was no separate language line. She said she normally worked XXXX XXXXXXXX XXXX  and was the manager. I complained and XXXX  guy came in and she eventually waited on me, but took at least XXXX minutes to give me my change and refused to give me a deposit slip for my cash deposit into my own acct. I ended up calling the XXXX Police for help and reported the incident to bank Corp office XXXX XXXX XXXX XXXX 

2. Thereafter bank wouldn't let me take money out of XXXX branch ATM when funds available ; wouldn't let me access my accouts ( XXXX checking accts ) online after accepting my LOG-IN & PASSWORD. I contacted bank over XXXX times XXXX XXXX XXXX  of banking problems ( race discriminations, denied acct access, retaliations ), to NO AVAIL. 

3. On XXXX by phone, bank told me bank had closed my 2 checking accts ( that had money in them ); said no reason why was found or listed and said there was nothing I could do about it. This was XXXX XXXX  day before federal holiday XXXX XXXX XXXX XXXX. I couldn't get my money out ; I couldn't transfer funds. I had a $ XXXX monthly gym debit electronic charge that went thru on the XXXX of each month. 

4. Bank of the West violated federal discrimination laws and retaliated against me and then harmed me. My main checking acct was where my monthly Social Security disability/retirement $ $ $ went into. The debit card to that account could only be used at a Bank of the west branch ( no XXXX ability ). I couldn't receive my XX/XX/XXXX Social security money because the XXXX needs changes put into their system before the XXXX of any month, for the changes to timely go into effect, So I DID NOT get my XXXX XXXX XXXX XXXX XXXX XXXX XXXX because of what this bank did to me. 

5.. Without just cause or a reason, the bank just closed my accts and gave me untimely deceitful mailings with fraudulent postmarks the bank ( not USPS ) put on the bank 's mail notices, dated a deceitful XX/XX/XXXX date, XXXX digit XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ) and time stamped XXXX XXXX, when mail actually had to be sent in XX/XX/XXXX as the mail was not received until XX/XX/XXXX of bank closing my 2 checking accts. Bank also sent me notice of closing my friend XXXX XXXX 's checking acct. He is XXXX XXXX also ( XXXX ). He address is in XXXX, CA while my address is in XXXX XXXXXXXX XXXX  XXXX. 

6. Bank closed my accts that had money in them to cover my monthly {$10.00} gym membership fee, and then tried to PROFIT from their deceits, fraud and retaliation, by charging me XXXX XXXX XXXXXXXX fees. Bank closed my accts preventing the electronic bill to be paid electronically and now is threatening to ruin my credit and is saying I must pay the bank {$80.00} or the bank will report me to credit bureaus. 

7. I had banked with BANK OF THE WEST for over 10 years and never had a problem prior to the XXXXXXXX XXXX and people blaming XXXX  for it. 

8.. The Corp Office promised me on XXXX XXXX, XXXX that it would investigate the XXXX HATE DISCRIMINATION I experienced earlier that day at its XXXXXXXX XXXX XXXXXXXX, but never did. Instead, XXXX office retaliated and unlawfully closed my XXXX checking accounts and harmed me. 

XXXX. Both of my checking accounts were opened years ago with NO OVERDRAFT PROTECTION & with NO NSF option. I set them up this way due to past ID thefts. In XX/XX/XXXX when I contacted bank toll-free Customer Service XXXX XXXX unlawful OVERDRAFT & NSF fees XXXX I was told " Too Bad :, that it didn't matter if my accts were opened not to have charges go thru if funds not available or not there.

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