Consumer complaint received 2024-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This is. A disgrace. This. Bank. Should not be operating. They got ta to be doing serious business fraud and illegal activity. Thats my opinion because every day since I changed over my direct deposit. One month they keep screwing everything up. There is no way this is mistakes unless they have hired really extremely unqualified people. I think they are reading off a script. I can no longer access my account. I had a XXXX $ deposit direct depost from the XXXX and I can no longer get into my account. They Play a games all day. Several times telling me The banking credentials are wrong. Of course the first couple times I assumed system maintenance And its every single Day then youll Go in later and credentials do work. I have to be able to see if the deposit went through. I called earlier and he gave me figure and I feel like he was lying. I just told them I cant get into my account. Everyday but I feel now Im being retaliated against. I had to track my other deposit yesterday Im spending everyday on the phone with people who have no Integrity or competence. I trust them 0 %. I have yet to see if my regular direct deposit went because now my account is being played with and Im sure they are trying to hide something. I have no idea whats going through. They messed every deposit up so far. I am not that confident this one is in there. I have a right to Access my money. XXXX hours and then they keep telling me the credentials are not right. So I just checked again credentials work but error. They blame All the customers for their disgusting business operations. I actually was so sick today because they They have inflicted pain and suffering to a fullest extent. It seems Deliberate. I dont care.. Im trying to see if the mortgage went through which would be lovely but I doubt it. They mess everything up. Not one thing Ive dealt with has made an attempt to make processes smooth. I seriously need help or Im going to end up sick In The hospital from the stress or duress. Im not the only one. I read the reviews. They should not be allowed to operate a financial institution. This has to be noted or something horrible is going to happen and if something happens to someone else and they are going through what Im going through which I know is because they have hired extremely unqualified people. XXXX XXXX XXXX  and I feel that its the same thing that a mistake would be made and I was hired as doctor with out a license. They can not get the banking g correct. I would like see my account. I would like to know why I call there to ask them something then they tell me after all the problems he tells me my account balance. The number really doesnt make sense so I would like to see my account and I just told him the bank is down again like every day. But now its been 24 hours. Like really he doesnt care or know. Before I got off the phone he says to me you know you can do your banking online. I said no I cant and I believe that was the purpose of the reason I just called you. I believe I just told you that, which is not the first time I feel like they dont have a clue or listen to customers at all. I want to see my money now. Im done with all the duress and I need to get my money out of there but I have to see whats going through and the fact that every time I go online they tell me a different reason why the bank system is down is either complete incompetence, which thats the reason more than likely or retaliation. I dont think their thought process is capable of retaliating because they dont seem like any single person knows anything about banking.

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