Consumer complaint received 2025-03-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
My name is XXXX XXXX I have a XXXX business account with XXXX Bank XXXX XXXX XXXX business checking # XXXX and XXXX XXXX XXXX XXXX Account # XXXX, my account are on hold for no reason and nobody is telling me anything this all started when I came in the a bank branch in XXXX XXXX  XXXX branch to take out a withdrawal for the amount of XXXX $ and i was told that I dont have any funds available which was a lie because I did have funds available which why I went into the branch in XXXX XXXX Minnesota and made the withdrawal I needed at the moment. The next day I was told that my account was on credit only status and that A branch XXXX in XXXX location by the name of XXXX XXXX phone number XXXX place my account in that status however I called XXXX XXXX and spoke with her she informed me that she did not do it and she doesnt know whats going on I informed her that the BMO XXXX department XXXX me that that she did so place my account In the credit only status because they seen the information that is noted in the system XXXX XXXX XXXX went on to say it must been her back office whom place this on my account however keep in my mind the fraud department informed that XXXX XXXX XXXX XXXX this. Furthermore I have previously took out XXXX cashier checks from my BMO account long before I visited XXXX XXXX branch and placed them checks inside my business account at Bank XXXX XXXX however I was told that someone called up there from the XXXX branch in XXXX XXXX  which is the same branch XXXX XXXX work at and filed a claim stating that my cashier checks did not supposed go into my account. This is outrageous how can someone filed a claim on my funds that saying my cashier checks dont supposed to be in my other account and once I called the BMO fraud department they dont know nothing about this claim nor anything about my cashier checks being placed on hold again because before I visited XXXX XXXX branch XXXX took out the the checks from other branch in XXXX XXXX XXXX I placed them checks into my Bank of XXXX account and they put a XXXX  day hold on them checks into they cleared the funds became available everything was good. Until a month later I visited XXXX XXXX XXXX she placed a hold on my account and she reviewed my account and put a stop on all of my cashier checks that is already cleared in the other account they was placed which is illegal I feel she is doing this because XXXX a XXXX man because she dont have no reason to do so and its not like my funds from in my account wasnt available because if I had no funds the i wouldnt been able to take out cashier checks in the first place I know this lady XXXX XXXX XXXX telling me wrong information everyone in XXXX XXXX says she the person who place my account on the credit only status which is wrong she only doing this because of my skin XXXX she is racism profiling from the start the first time I came into the Branch I felt uncomfortable as a customer. At this point I want my cashier checks released from XXXX so that my checks clear at my Bank XXXX XXXX account before my funds is available for use in my account at the time the checks was deposited

Company response to consumer: Closed with explanation