Consumer complaint received 2024-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
English is my second language. It is dangerous to complain against unfair practices by one or several bank employees, who bank definitely is going to protect and ignore created by them problems for customer. These days customer isn't protected. First I filed a complaint with BMO Bank management. No response on my complaint # XXXX was received. After opening the account request for help with ACH transfer was ignored several times. No one call was returned by XXXX XXXX. Only after my complaint to management, the BMO employee, XXXX XXXX, who opened my account suddenly called after 40 days and left a voicemail premeditatedly accusing me that I didn't respond for his constant attempts to finish set up preferences for my account, when it was the other way around. First of all, he refused to accept my version of DPOA and/or already notarized DPOA to add on my account and said the authorization for assistance has to be the one that created by the bank. The very simple one that satisfied XXXX XXXX, but not my version, was finally signed and notarized by Bank Notary in the middle of XXXX  that he obviously refused to do that at the same day when account was opened. He continue stretch the time and didn't add the notarized power of attorney to my account and never sent it to the appropriate department for a record on my account that was finally discovered just now in XX/XX/XXXX. Some how the external transfer from a different bank to BMO was blocked under unknown circumstances by BMO. The hours spent on the phone and on chat did help for a while. Finally, the new message stated that transfers are pending, but later the transfers were denied again. The proper procedure to connect external accounts with BMO checking account were performed and confirmed. BMO Bank continued to deny the transfer without an explanation. None of the employees on the phone said that account is locked and acted like they do not know what is going on. Only agent on chat stated that account is locked and I need to call. Who locked my account for transfer and why, is not understandable. Why BMO Bank employees did set up incoming transfers for denial, or XXXX XXXX did it and/or somebody else controlled that conditions for promotional monetary benefit won't be met on time. It is all about money, do not let new customer to earn the promotional benefit. It feels like some secret conspiracy at the BMO bank is in affect and/or secret and silent conspiracy between banks do not allow transfers. XXXX XXXX brutally and boldly lied as I have been at the Bank with my DPOA three times and after I complained to the bank management he began claiming that he did not finish preferences for the account because I didn't keep the appointments. I do not know how is that possible to stay with such bank that impossible to trust, because its employee lies and intentionally and knowledgably create obstacles and damages.

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