Consumer complaint received 2024-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: NV

Complaint narrative:
In XX/XX/XXXX, I made a purchase online with a company called XXXX. I had requested them to process a reseller 's certificate license through the state of California and send me the license. A month went by and no license was forthcoming. I emailed the company 3 times with no response. There is no number listed on their website of which to call to reach them so the only way I can communicate is via email. When I received NO response, when I received NO license, I looked the business up on the California Secretary of State website and discovered this company was " not in good standing '', their incorporation status had been " revoked ''. Since I had no response from the company AND the company was not in good standing with the state I filed a chargeback against the company with my bank for fraud. I had no other option as the above information I had gleaned from my search led me to this conclusion. 

BMO bank went through their investigation process, NEVER at any point in time asked for any paperwork from me justifying my claim. BMO Bank just denied the claim and closed it. 

I then reached out to this company, XXXX, in XXXX and XXXX and AGAIN and their response was that they had sent me the license in XXXX so I asked them to resend it. The owner, XXXX, said that since I " was rude '' I had to pay another {$100.00} to obtain my license which is now extortion. I asked for proof of the emails he claimed to have sent in my attempts to reach them in XXXX and he refused this, too. 

In XX/XX/XXXX I filed a complaint with the California Attorney General 's Office, too. 

It was now XX/XX/XXXX and I mailed a letter to the bank to their debit card fraud department - NO RESPONSE. 

I then mailed the bank a CERTIFIED letter XX/XX/XXXX - NO RESPONSE!!!! 

I finally had enough and contacted my bank 's manageXXXX, XXXX, in XXXX, NV and she tried to resubmit the claim only to be told by the bank 's debit card department that I was now " out of time ''!!!! 

This is just absurd!! I have made numerous attempts to have this properly investigated only for the bank to drop the ball at every single point, fail to do the proper due diligence and have left me, the customer, exposed to fraud and failed in their fiduciary duty to their customer. 

I wanted my money refunded along with compensation for my time that I have had to engage in to be made whole against a business that engages in fraud. 

Lastly- I obtained my reseller 's certificate in XX/XX/XXXX on my own with the Taxation Department. I also was informed in that same phone call that the license XXXX attempted to do was never completed so this business LIED to me. He never did the work that I paid him to do AND obtaining a reseller 's certificate IS FREE OF CHARGE!! I WAS CHARGED {$110.00} FOR A PROCESS THAT IS FREE!!!!!!!!!!!!!

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