Consumer complaint received 2025-04-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
****DO NOT BANK WITH BMOXXXX XX/XX/XXXX Tried to log in my BMO account to verify beneficiaries listed, bit I could no log into my account. It was auto closed I rarely used account ( more of a safety net acct ), left at {$500.00} bal to not get service fees XX/XX/XXXX I called BMO. I was told that my bank account auto closed on XX/XX/XXXX due to lack of activty and a {$500.00} check was sent to my old mailing address ( haven't lived there for 11 years ) per XXXX on XX/XX/XXXX XX/XX/XXXX - I'm UPSET that BMO closed it and sent check to my old address without communication. They've communicated via email in past that - contact us else your account will go dormant. 
They had my email; and have emailed in past about inactivity and to contact them to keep open. 
I called BMO back, got transferred to Resolution Team - Now trying to get my money and then closing. Sending check was a lie. 
XXXX XXXX said they sent the {$500.00} to the state due to inactivity and no response- they have my email. Direct conflict of XXXX saying what happened. 
XXXX said now it's my responsibility to figure out how to get {$500.00} from state. He gave me bad info and sent me on my way. 
Contact at BMO Resolution Team - XXXX XXXX XXXX - state unclaimed XXXX gave me a bad # and will not return my vmails -left ATLEAST XXXX VMAILS - WILL NOT CALL ME BACK. Get your QA to look up my # for call recordings : XXXX I went on uncliamed.org - nothing there. I called and spoke with someone - they did XXXX searches and found nothing there State Unclaimed person told me to call bank back because they don't have it XX/XX/XXXX - I called XXXX branch to get help : XXXX Spoke to XXXX ( XXXX Branch Manager ) ; shared my disgust for lack of BMO action and everything I've done thus far with NO RESULTS. SHE IS FILLING OUT complete escalation form XX/XX/XXXX - called XXXX ; said she was told it had been resolved - a check had been sent by XXXX XXXX and that he had called to notify me/verify address. I GOT NONE OF THAT -HE LIED Don't you think there's a compliance issue with XXXX sending out a check without verifying an address - no call to me : XXXX - look it up XXXX XXXX XXXX second CHECK TO WRONG ADDRESS - WHAT AN XXXX - THE REASON THIS ALL HAPPENED WAS WRONG ADDRESS!!! I HAVENT LIVED AT XXXX PL for 11 YEARS I emailed XXXX 's supervisor : XXXX XXXX XXXX ( requested XXXX 's supervisor contact info from XXXX ) I left a vmail with XXXX to call be back too - XXXX No response from XXXX via email nor phone XX/XX/XXXX - Called XXXX ( XXXX Branch Manager ) for staus because I have heard nothing - notes said XXXX was taking over from XXXX XX/XX/XXXX - Left XXXX for XXXX to call me with status - no response XX/XX/XXXX - Left XXXX for XXXX to call me with status - no response XXXX is the only one who communicates and I appreciate her willingness to share what she knows. She can't resolve it. 
XX/XX/XXXX - Called XXXX ( XXXX Branch Manager ) for staus because I have heard nothing from XXXX- apologized again, system notes made it sound like it was taken care of A XXXX called at XXXX CT ( works with XXXX and works for Micheele - did not give her last name ) ; left XXXX that she is taking this over XX/XX/XXXX - XXXX let XXXX know that someone new was taking this over. XXXX offered to do a daily followup at BMO until taken care of. 
I called XXXX XXXX asking for her role and involvement with getting this taken care of. I left a voicemail. 
XXXX called me back to confirm my address becaseu overnighting a check on Friday to my CORRECT address. 


XX/XX/XXXX I've been asking for my {$500.00} since XX/XX/XXXX. It is now XX/XX/XXXX and I MAY get my money by XX/XX/XXXX. I got cashier check for {$500.00} on XX/XX/XXXX. 
What do you think a reasonable compensation for a disasterous customer experience and lack of care/communication should be? 
What action is BMO taking with this situation regarding XXXX, XXXX, XXXX?

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 monetary relief