Consumer complaint received 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My phone was stolen in XXXX XXXX XXXX XXXX XXXX XXXXXXXX the Criminals had passwords and access to my XXXX XXXX, XXXX XXXX, banking accounts, routing and account numbers. etc. they spent the next XXXX days trying to fleece as much out of me as possible. 

they used XXXX XXXX ( XXXX XXXX XXXX  ) and XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) applications to draw money from My BMO Harris, XXXX, and XXXX XXXX  accounts to make XXXX transactions with the phone 's XXXX XXXX XXXX XXXX XXXX  etc. 

they never once used my debit cards to make purchases, they only ran up my {$2000.00} credit on XXXX XXXX, and then would transfer payments from my accounts to allow them to lower the balance immediately and thus make more purchases. they made purchases from XXXX XXXX to XXXX TX, while i had returned home to XXXX. 

when I called XXXX they where responsive, blocking all transactions and reversing anything and everything. 

XXXX XXXX  tried, but wasn't as successful. 

XXXX XXXX also non responsive, the best i could do was try to change my XXXX password they told me. which was hopeless as the criminals would do the same and revert the card back on for more XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX ( XXXX XXXX ) were also non responsive. 

BMO Harris completely failed. After numerous phone calls trying to explain the situation i was continuously put on call center help in XXXX, who proceeded to tell me there is nothing to worry about, my debit card has been locked and is secure. I tried to explain to them it wasn't the debit card, it was the Payment transfers going to XXXX XXXX and XXXX XXXX that needed to be stopped. Needless to say they couldn't stop {$6000.00} in transactions. 

My BMO account had only XXXXXXXX XXXX which is why i DONT understand how they allow XXXX in additional payments/transfers to XXXX XXXX to occur ? WHY didn't it just stop after XXXX? everyone could have lived with that, but they allowed almost XXXX that. 

NOW mind you i went into my local BMO Harris branch within XXXX hours, with a XXXX XXXX police department Police Report and was given a new bank account and was reassured i would be reimbursed the XXXX dollars stolen from me. which they did do. BUT within XXXX months time, with no warning, with no paper work, with some internal investigation they decided to REVERSE the XXXX, putting me in the negative, causing late fees on my XXXX XXXX, and more. making my XXXX XXXX XXXX a nightmare. it was embarrassing and cost me even more money. They told me for no good reason they had decided to reverse the original decision and Stole from me just like the Thieves did.

all this from a bank who Falsely advertises how secure their customers are. I want to SUE! my Lawyer tells me this is RICO. at this point my credit has been locked for safety, XXXX XXXX canceled my card also a year later with no notice either. 
I don't see how XXXX dollars makes up for all the hardship these banks actions have caused me.

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