Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing a complaint and I would like for the CFPB To actually conduct a proper investigation into the way that BMO FinanciaXXXX manages their regulations and requirements and rules. BMO Bank In XXXX of 2024 Opened XXXX fraudulent accounts in my name. Without my consent. These accounts a Checking and a XXXX account. I did not sign any account application with this bank. I do not have a single branch located in my area or near my area. I have googled this bank I can see the nearest branch is about XXXX Hours away. At the time the accounts were opened I was not made aware of these accounts being applied for. I did not fund these accounts. I have extended fraud alerts on my credit profiles, and on my public information which states that I am a victim of identity theft and that any accounts that are applied for must first be verified that it is me applying for the product or service. In this instance BMO DID NOT Verify. They went ahead and opened the account. They funded the accounts from a XXXX XXXX XXXX Which I have never done business with. XXXX XXXX XXXX  already confirmed that the checking and savings account with their institution is and was Identity theft and fraud. However these accounts with BMO were opened at or around the same time as the XXXX XXXX Bank accounts. Not to mention that XXXX XXXX Confirmed that the XXXX XXXX XXXX Account was USED TO FUND THE BMO Accounts. I have tried addressing my concerns with BMO Several times, but BMO does not take my complaint seriously, and does not take Federal Regulations or Banking Guidelines seriously. They get away with either not responding to the complaint. Or False accusatory statements in their responses. When these accounts were opened the fraudster created an online banking profile, after the online banking profile was created the fraudster then agreed to BMO 's Terms and Conditions Which I did not agree to. Also the Fraudster registered a XXXX XXXX, and I can confirm with the message I have listed that there was problem with the XXXX Payment and that BMO was aware of the problems with the XXXX Payments to a XXXX XXXX, and yet BMO Let these transactions go through without my consent or permission. Furthermore, BMO has stated that the device ID was the same for Transactions from XXXX XXXX, and XXXX XXXX. I do not know a XXXX XXXX, Nor a XXXX XXXX either. I have never conducted business with a XXXX XXXX, Nor a XXXX XXXX, Nor with a XXXX XXXX. However BMO Seems to believe that I have conducted business based on the device ID From the fraudster that was used to conduct XXXX Transactions through the BMO Banking Application that registered the XXXX Profile FRAUDULENTLY. Bmo has also proceeded to falsely accuse and state that I confirmed that I performed Transactions to a XXXX and XXXX XXXX. Allegedly confirming I performed transactions through the XXXX XXXX outside of BMO Application. This is false information. I have never confirmed that I performed any XXXX Transactions in or outside of the BMO Application. I have stated on numerous occasions and on countless recorded lines that I did not perform the XXXX Transactions. I did not perform XXXX Withdrawals nor Deposits in or outside of the BMO Account. I did not agree to BMO XXXX XXXX. I did not Register for XXXX Outside of BMO or With BMO. At any point in time. I have requested that BMO Provide sufficient supporting documentation that further substantiates their false accusations. I never conducted any BMO Email XXXX of any XXXX Transactions. In XXXX 's Denial it states that I can contact BMO To obtain information used in their investigation. I have reached out to BMO Customer Service several times, and I have requested that Documentation be sent to me that was used in their investigation. As I can provide this to Law Enforcement further. I have not applied for any account or service with BMO. I do not know a XXXX XXXX, And I do not know a XXXX XXXX or XXXX XXXX. XXXX XXXX, Attempted to call me and confirm that I authorized XXXX Transactions to a XXXX or XXXX XXXX at which time, I advised XXXX XXXX that I have not conducted any XXXX XXXX. Never once at any point in time did I state that I authorized any Transactions not to XXXX, XXXX nor XXXX. It also says " Allegedly I authorized Withdrawals from XXXX to a XXXX or XXXX XXXX '' This is an Alleged Accusation and not factual information. When XXXX XXXX Asked me the question, I did advise XXXX I did not conduct any XXXX Transactions. I did not conduct any transactions through the XXXX XXXX nor Through BMO Application. XXXX stated she would take this information back to her XXXX, and XXXX LIED. XXXX did not provide the information back to her manager and instead lied about what I had stated on the recorded call. I did not register nor utilize the XXXX Banking Application, and I did not register through the XXXX Application either. I have not conducted any XXXX XXXX to anyone. No Deposits, Nor Withdrawals, and I have not advised or confirmed such. These are false Allegations and Fraud. BMO is a financial institution and they are refusing to investigation these transactions which occurred through Fraud. Any XXXX Transactions that are considered a scam or fraud are the responsibility of the banking antitauon which conducts the transactions through the XXXX XXXX. My Complaint email address is XXXX. BMO Has stated that the Email address I am using for my complaint and the Email address used for the XXXX Transactions are the same. This is false, and I do not have any emails from BMO about any XXXX Transactions. I do not have any email verification required from me, Past or Present. I do not show BMO has provided any emails advising that XXXX XXXX needed to be completed. The only email I have gotten is BMO telling me the XXXX profile has been XXXX due to an error with a payment. To XXXX XXXX for {$500.00} This would be correct because these payments to XXXX XXXX are FRAUDULENT. CFPB Please look into BMO Financial, As they are committing consumer financial abuse, and Fraud. BMO Financial is not providing consumers with resolution to unauthorized transactions and BMO is committing Identity Theft and Fraud. I have already filed a police report for these transactions that BMO Allowed to complete through XXXX Funds Transfer without my consent. BMO has advised that the transactions were authorized to reach out to the merchant. I reached out to XXXX whom told me that I did not authorize the transactions and that these transactions occurred through XXXX Banking application. Which means that BMO Allowed Unauthorized XXXX Funds transfers to XXXX XXXX, XXXX XXXX and XXXX XXXX, and XXXX XXXX without my consent or permission, and BMO will not assist law enforcement with investigating the fraud, and XXXX has not provided resolution of this issue instead false allegations have been provided from BMO without any proper investigation being conducted. I have read XXXX 's response and it does not address the issue. The Device used is not my device, and I did not partake in any transactions through XXXX XXXX. I did not receive a single BMO Debit Card. These XXXX Transactions require a debit card, and no debit card was ever received by me. {$8000.00} is owed from XXXX for these XXXX  transactions which are still not authorized. BMO has not sent a single piece of supporting documentation, and BMO continues to falsely accuse when they are responsible for unauthorized transactions conducted through their banking application. BMO Knowingly allowed these XXXX Transfers and at this time, I do not believe I am responsible for these transactions. 

Lastly BMO Sent a Check for {$3600.00}, {$450.00}, and {$3400.00} all of these checks were sent by Postal Mail. Without tracking. These Checks were mailed out in plain envelopes is what XXXX has stated Cashiers checks. I did not receive any of these checks, and I took a look at the signature on each of these checks and its not my signature. I believe these checks were stolen in the mail, and Forged. At this time BMO Is past the 90 Business Day mark, and must make an effort to recover the funds from these cashiers checks which were stolen and forged. The signature on each of these checks is not my signature. I did not cash any of these checks, and I did not deposit any of these checks. Check # XXXX, XXXX, XXXX All of these checks are stolen. Fraudulently endorsed and fraudulently negotiated. I have not conducted business with XXXX, Nor Independent Financial as these checking accounts were opened as a result of identity theft, and It is BMO Responsibility to replace forged or fraudulently negotiated and or endorsed checks. These checks are stolen and were all fraudulently cashed without my permission without my authorization. I would like for the CFPB to investigate BMO Financial, as BMO Owes me a refund of {$450.00}, {$3600.00}, {$3400.00} and {$8000.00} For Fraudulent Transactions. I did not sign any receipts. I did not sign any contracts with BMO, I did not sign any Account Applications, I did not sign any signature cards with BMO, and I most definitely did not register for BMO Online Banking and I NEVER Authorized ANY XXXX Transactions, and I never advised I authorized any XXXX Transactions Withdrawals nor Deposits to ANYONE. I do not know a XXXX XXXX, Or XXXX XXXX nor a XXXX XXXX. These transactions are and were fraudulent. The Device and My Drivers license was stolen at the time of these transactions. As I advised before. The Email Address was also compromised. I have been working with XXXX to recover the email address. Please make sure that you do not have Agents and XXXX investigators LIE About victims of fraud. Especially when XXXX asked If I authorized these transactions and I said no. XXXX is very much a liar.BMO is also responsible for replacing stolen Cashiers Checks, and Forged Endorsements.

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