Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
To resolve this matter lawfully, equitably, and in accordance with federal consumer protection and XXXX statutes, I am requesting the following corrective actions and financial remedies from BMO Harris Bank : Immediate Corrective Actions Full reinstatement of account access, including debit card functionality and XXXX capabilities, without delay or procedural obstruction. 
Written confirmation that the XX/XX/XXXX fraud designation was erroneous and has been permanently removed from my account history. 
Waiver of all late fees, overdraft charges, and penalties incurred between XX/XX/XXXX and XX/XX/XXXX, including rent, utilities, pharmacy surcharges, and business transaction failures. 
XXXX escalation protocol for future account issues, including direct access to a designated XXXX support liaison trained in psychiatric and executive-function accommodations. 

Verified Financial Compensation I am demanding {$48000.00} in verified restitution, supported by forensic accounting, medical documentation, and statutory damages schedules. This amount includes : Category Amount Basis Compensatory Damages {$16000.00} Missed rent, medication costs, lost consulting income, emotional harm Statutory Damages {$22000.00} Violations of ADA, EFTA, Texas DTPA, TILA, FCRA, FHA Punitive Damages {$15000.00} Pattern of ADA neglect, emotional exploitation, and procedural abuse Total Verified Demand {$48000.00} See attached Expert Report and Affidavit of Harm This figure is conservative and excludes additional damages currently under review in federal court filings, including reputational harm, business interruption, and ADA retaliation. 

Institutional Accountability Termination and disciplinary review of the representative XXXX who closed my account in direct violation of protocol and ADA obligations. 
Internal audit of BMOs fraud-handling procedures, with public-facing transparency on how disability-related inquiries are managed and escalated. 
Formal apology and acknowledgment of harm, to be issued in writing and retained in my account file for future regulatory review. 


XXXX XXXX XXXX  XXXX may choose to : Issue direct payment via certified check or wire transfer to my account on file. 
File an internal insurance claim under its Small Business Loan Insurance Plan ( Group Policy No. XXXX ), which covers operational disruption up to {$250000.00}. 


Enforcement and Escalation Failure to resolve this matter will result in : Continued litigation in federal court Publication of verified press releases and affidavits Escalation to the CFPB, BBB, and state banking commissions Subpoena of internal call logs, fraud flags, and training records I am prepared to furnish all supporting documentation, including call logs, medical letters, forensic damage schedules, and XXXX certifications. This is not a theoretical disputeit is a documented injury with statutory standing and public interest implications.

XXXX  Harm and Malicious Intent In addition to the damages listed above, the emotional, medical, and procedural impact of this account closure was profound and measurable. I am a XXXX XXXX with a federally documented XXXX XXXX, a support animal, and prescribed executive-function accommodations. These facts were disclosed to BMO in writing and on multiple phone calls, including conversations with XXXX, the representative who unilaterally closed my account and flagged my business activity as fraud. 

XXXX actions were neither accidental nor the result of a systemic flawthey were targeted, dismissive, and executed without evidence or escalation. I requested that my card not be blocked, explained my XXXX, and cited my prescription dependency on uninterrupted access to funds. My account was closed anyway. The decision happened with full awareness of my medical and XXXX context, including prior disputes, support documentation, and forensic timestamps. The XXXX violation was not abstractit was direct, injurious, and malicious. 

During this freeze, I experienced : XXXX consecutive days without financial access Inability to refill XXXX medications including Levetiracetam and antidepressants Cancellation of time-sensitive XXXX trades and client payment collections Acute XXXX flare-ups, XXXX, and a psychological crisis confirmed by my psychiatrist These injuries triggered medical evaluations, affidavits, and clinical documentation, all submitted to BMO. No corrective action was taken. This resulted in reputational damage, revenue loss, and physical deteriorationall preventable, all documented, all unlawful. 

XXXX Grounds Supporting XXXX XXXX 42 U.S.C. 12132 and 12205 ( ADA Title II/III ) Prohibits exclusion from public-facing services on the basis of XXXX. 
15 U.S.C. 1693f and 1693m ( EFTA ) Mandates prompt investigation, provisional credit, and written resolution of transaction errors.

Tex. Bus. & Com. Code 17.46 ( b ) and 17.50 ( b ) ( 1 ) Prohibits misleading business practices that cause mental anguish or economic harm.

Tennessee v. Lane, 541 U.S. 509 ( 2004 ) Confirms disabled individuals right to access public services without obstruction.

Olmstead v. L.C., 527 U.S. 581 ( 1999 ) Establishes denial of access as a form of actionable discrimination.

Stanley v. City of Sanford, 2007 WL 2827748 XXXX  protects cognitive limitations including executive-function impairments. 


This harm was not speculativeit was lived, recorded, and now legally framed. I am not asking for empathyI am demanding justice.

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