Consumer complaint received 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened XXXX accounts with bank of the west in XXXX XXXX California. Personal checking and savings. Everything was good until i received a noticed that I couldnt deposit some checks from a job o had done 3 months prior but barely I was getting paid. I deposited a check and the bank teller last name XXXX, asked me questions where was it from and why it was given to me. When Im the check memo said it why. Then she said if the issuer of the check was going to give me more checks then I replied yes. Then she went ahead and ask why couldnt they wire the money instead. Then I replied well Im not sure as long as i get paid for the job that I did. I dont care how they pay. Then she went talked to manager assistant then proceeded to deposit the check. I went in a couple of days later to deposit another check and the same thing I got question. At this point I felt singled out and also profiled. The 3rd time I went she went and spoke to her manager again and she started to question me more then said she would need some type of prove for the job that I did. Ive never had this done to me before and thats when I felt singled out for sure. I got question more and then she said she will hold on to the check until I send prove invoice or the job. I did so later on that day and the same day the manager XXXX XXXX XXXX called me and spoke to me and told me they couldnt take the check and to please pass by pick it up. By this time the rest of the finds where being hold and she notified me that my account was going to be placed under investigation by them. Not telling me why or the reason. So in my mind it was because of my race. But I dont want to think like that. Then I walked into the branch trying to get a letter stating that my account was under investigation but they refused to give me one then the manager XXXX was not there but the assistant manager was there and was being rude to me telling me she was not aware of it and that she didnt know what was promise to me or nothing. While the whole time I was calm she was getting upset raising her voice telling me she couldnt give me no letter and telling me she wasnt there. Instead of saying let me look into it or hold on let me check your account nothing she did not help at all very unprofessional and need more training. After she just told me Im walking away know like if she didnt want to assist me for personal reasons but thats the first time Ive ever spoken to her. This was around the begging of XXXX and ever since XX/XX/XXXX my account has been on hold with my money in there I was left with no money and still have no money at all. I havent paid my bills nor my rent and I called but the manager is out no one to help me at all. I feel useless and helpless I had a very horrible experience with this bank and I just want my money so I can go ahead and bank some where else. The funds left the account that paid me so banco of the west got paid and has the money from the checks.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation