Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I recently opened an account an account with BMO Harris. Before XXXX my husband was out of town trying to get money to me because they paid after the holiday instead of before the holidays. Thats not my complaint. We sent it XXXX XXXX After waiting several hours I had to call them in which they told me no transaction existed. So we were about to cancel and leave me with no money at all and the money comes through so one transaction did exist. Last Saturday my husband was still out of town. I had no money at all and went to cash out my XXXX  account and paid XXXX $ and it was XXXX XXXX Sunday approximately and this was only the second time and they never put that through. I called several times. I was out of food and essentials. They told me they locked my card because I left my debit card as my default card on XXXX. I didnt know a transaction. Went through. Someone turns the blame on me. That was hours ago and the woman told me the night before it would be there Monday and the second time I called I was still with out food and pet food and anything and the did not go through. I was panicking. Im like it has to go through anyway. It doesnt go through cash out because they actually a real deposit through XXXX  and that never came through. I was crying and had no good. So then they put the Mon through Tues late and took out my XXXX money in the mean time my husband XXXX me a dollar and I received it and I said XXXX me XXXX $ to eat and buy essentials through the email Im using with you right now. Hours later almost 8 hours go by. I had nothing to eat in two days and they didnt put the XXXX through. This was a very serious situation. I called the lady to be made fun out sarcastic because I tolD her I didnt eat in almost three days because of their Bank errors. They never sent the XXXX. She hung up on me. I was hysterically crying starving and I needed a prescription and could not get my prescription. I called my parents to ask them to XXXX me from Florida as I was in a very detrimental Situation. They had no problem. XXXX $ comes through XXXX within 5 minutes. My husband at about XXXX XXXX 12 hours later gets a message from his bank telling him that BMO fraud the XXXX he put through earlier when they the transaction didnt exist and hung up and made fun out of me for being hungry without medicine for days. So I still have XXXX $ after getting groceries and medicine through my parents same XXXX account they told my husband bank was a fake email. Its not a fake email. Thru wouldnt let me see my bank information or even get get earlier that day never thing was getting declined. They were saying the bank credentials dont exist. Then later I put the same credentials in. It worked. So my now my husband at XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX finally got frustrated because they are lying about things making fun out me being hungry and not having food and hanging up me. He sent money through money and paid for instant transaction and I still didnt get it. They have messed up and lied about every deposit thats been sent. Now were paying XXXX XXXX XXXX and nothing is going through. XXXX worked fine but my husband showed me the XXXX confirmation. There was no mistake. Only because they know its a matter of emergency. They made fun out me. They are disgusting. I have my pension transaction that will be Thursday in which is tomorrow. I will take that money out of the account and close it. Ive never had such a terrible bank in my life

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