Consumer complaint received 2024-11-15 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:
Friday the XXXXXXXX XXXX XXXXXXXX I deposited my check and was told I would have credits available to me the next day and the rest will be held for 7 days since account was new. Went in the next day after checking account I had the credits stated to me available. Went to make a withdrawal. Was asked a whole bunch of questions by the teller. Stated she needed to look at the check why did I have the check where was it from. Then she told me she couldnt give me any funds because the check was deposited wrong by whoever deposited my check and I shouldnt have any funds released. Went out and called customer service to the bank. I was told there was nothing wrong with my account and the credits that show on my available balance. I have access to and I should be able to make withdrawal from the teller for whatever mount I would like, and if I have my debit card that I could take out to up XXXX. I went back in the bank and asked to speak to Manager. Manager came in and then stated I shouldnt have any funds available. They did something wrong and he would fix it and he couldnt give me any money because he would be held responsible If my check didnt clear so to go back to the bank where I made the deposit, but as Im leaving, says that he will fix my account because I shouldnt be able to have an available balance, or make a withdrawal, and he would contact the other bank. Arrived at the bank where I made the deposit. Then Ill tell me. I dont have access to my credits. All I have is credits and I cant use them. Then another teller comes to The. Tell her Im speaking with and says there was a problem with my account yesterday that theyre back team had And I would have to wait. They found something and there was an error and I would receive this notice in the mail and 14 days I asked for The noticed that they are saying, or if they can show me what happened and they said no. Just to wait for the 14 days in the mail. Called customer service again. Now theyre telling me. Theres a fraud alert on my account. I asked why they said they have no reason it can take up to an hour or so, and to call back. I called the bank back. They still had no reason I asked to speak to the fraud department. They gave me the fraud, Number. I speak to fraud department. Now theyre telling me. There is no fraud. Alert. What happened? Was the other The XXXXXXXX XXXX through an extra security because they didnt for whatever reason that my account was due that in good faith, I shouldnt be able to have those credits because they dont think that my check would clear. So Ive been told multiple different reasons as to why I wasnt able to use my available credits by the bank and customer service line. then the following business day on Tuesday XX/XX/year>, my available balance shows XXXX. Now I have to wait 9 days instead of 7 for my funds. Feel very XXXX XXXX by the XXXX bank I tried to withdraw from XXXX XXXX XXXX XXXX and how I was treated and looked at and questioned. I have recordings of different reasons and statements I was told about my account and what was happening.

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