Consumer complaint received 2023-03-14 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:
Ive opened a checking account with the Bank of the West in XXXX of XXXX. It was my only bank account at the time. 
My employee was also a client of the same bank and become a victim of checks theft. Every time my employee issued a paycheck, he supposed to contact the Bank of the West in order for them to release money to the person who would come to cash out the check. I had no idea about this problem my employee is having with our bank. I found it out only after failed deposits to my account. 
My employee issues my paycheck every two weeks. I was using a mobile app to deposit my paychecks. Normally it should take 24 hours for them to process. First troubled check that I got was issued on XX/XX/XXXX, Ive tried to deposit it trough the app on XX/XX/XXXX, but I received a message on the app saying that I need to address a person who issued a check. 
By that time got another check issued on XX/XX/XXXX. I talked to my boss and he told me that it should be fine and as for my failed check he might need to write me a new one. So Ive deposited the most recent check through the app and went to the branch with the check that had a problem with. 
After first failed attempt of depositing a check I addressed a person who issued a check and he told me to go to specific branch where personal is aware of the problem his business having. 
So in the branch personal were well aware of problems with my bosses checks. My colleagues had the same problems. One of the managers called my boss confirming that he is the one who wrote a check and theyve deposited money on my account saying that {$100.00} would be available immediately and rest of the money will be available the next day. 
I asked why my most recent check deposited through the app is on hold and how long its going to take them to process. The manager told me that since my account is new ( under 90 days old ), they could put it on hold if the check was issued by other bank, but it wasnt the case. The check was issued by the same bank, my bank. They told me to bring the checks to the branch in the future and not use the app. At least until the problem with my bosss account would resolve ( which should take about two weeks ). 
So the next day, once I saw my money on the account, I went processing my payments that I was already behind on. In hour and a half after first transaction bank closed my account. I lost access to my account on the app so I had to go to the branch and learn about it there. The manager tried to help me out with it, she tried to tell the main office that its not my fault that the checks were bounded because of the problems with their business account client. The result remained the same - two paychecks wouldnt come through, bank took that money and closed my account. Even with the confirmation of their client who issued the checks. 
So then I was told to wait for a cashier check with my money to come. I received a cashier check but they put someone elses check in the envelope. Supposedly they mixed my cashier check with another one. 
Now Im stuck in a position where I dont have my money, I have no access to my account. I have no assistance through the phone support nor at the branch. Its been over 2 weeks of this trouble and I feel that the bank treated me badly. 
I did nothing wrong from my part to cause any uncertainties.

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