Consumer complaint received 2023-10-03 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: NV

Complaint narrative:
I opened several accounts with Bank of West in XXXX of 2023. 
There was misuse of the initial cards sent The replacement cards were never forwarded to me and stolen along with many others items including car titles and license plates. 
I reported all of the disputes to Bank of The West prior to their merging with Bank of Montreal XXXX. 
I received a provisional credit from Bank of The West for only about {$620.00} approximately and that was the only credit out of about $ XXXX in disputed transactions on my checking account Then Bank of The West reversed the credit and blamed my beneficiary who was also a victim and not the person who did the fraud. We proved that his address was different and the bank gave us back the credit. I have explained this to Bank of The West in XXXX Ca where I opened the accounts and the XXXX XXXX said she would forward the information to the XXXX and confirmed this by email. The XXXX has never once contacted me. I saw two checks that I didnt recognize on my account next and I sent a message online to inform Bank of The West that I didnt write them. I then received an online message from Online services by a person named XXXX XXXX That she closed my accounts and then all my accounts were suddenly removed from the app and I couldnt access anything including my business account. I called the XXXX in XXXX and asked him why the accounts were closed without issuing a new account number He told me that the accounts were still open No one ever changed my account numbers to protect me and I couldnt access my accounts for a good two weeks Next I get a new card for my account and was told that one of my cards was issued in mid XXXX the same day a different card was issued. Apparently the bank issued one card number twice because the date she said it was issued was weeks after there was apparent card use with that number. I have attempted to dispute transactions over and over and the checking account department of XXXX formerly Bank of The West has no clue how to take my claims seriously. I have copies of my bank statements showing that every card that has been issued is the only card Ive had since I opened the accounts. It is impossible to understand how this bank is able to provide comprehensive service. They are intentionally causing enough time to go by that they now say the claims are too late. I have no provisional credits. They have not investigated anything and no one will confirm the items on the claims or provide me with any information no matter how many times I call and ask. XXXX person told me that he disputed everything in California and refused to give me a copy and refused to give me a total. This was XX/XX/2023. This person said I would have my provisional credits in one to ten business days and I still dont have them. I had the same issues with the credit card department however they have now handled my disputes according to policies but I will file a separate complaint about that account because they have mishandled my money. I am going to lose a property due to the mishandling of my accounts and I want my money. Policies are not being kept by this bank.

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