Complaints

This profile includes complaints for BMO Bank N.A.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  BMO Bank N.A.

  320 S Canal St Chicago, IL 60606

  
• 

  BMO Bank N.A.

  1712 N. Richmond Road McHenry, IL 60051-5414

• 

  BMO Bank N.A.

  111 W Monroe St Chicago, IL 60603

  
• 

  BMO Bank N.A.

  10 Huntington Lane Wheeling, IL 60090

  
• 

  BMO Bank N.A.

  10 S. Villa Avenue Villa Park, IL 60181

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/11/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  After repeated US mail flyers and letters encouraging me to open a *** Credit Card account I did so in mid 2023. *** in suspected retaliation of US tariffs placed on ****** they abruptly canceled mass numbers of US accounts without notification or explanation, my account included. This resulted in a negative impact to my credit score despite having a perfect payment record with *** and a zero balance. When calling *** the customer service agent was unable to provide any reason for the cancellation and was evasive when pressed for further information. This company is acting in bad faith and should not be allowed to continue these practices.

  

  Business Response

  Date: 04/22/2025

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A letter was mailed to ***** Quorplan on April 22, 2025, addressing their concerns. Please allow 7-10 days to receive the letter sent via ****. In the interest of protecting the customers confidentiality, we are not posting a summary of the correspondence in this forum. Please let us know if we can assist further regarding this matter. Thank you for taking the time to bring this matter to our attention.

  Customer Answer

  Date: 04/22/2025

   
  Complaint: 23192248
  
  I am rejecting this response because:

  The letter that was sent is vague, lacks detail and provides no valid reason for the atrocious conduct of this merchant. We assume they are treating US customers badly in retaliation due the Canada's dispute with US trade policies. I have contacted my congressman to alert him of this conduct and request that an investigation should be started to determine if this banking institution should continue to be allowed to operate in the ************************. I have also contacted the **** with a similar complaint.
  
  Sincerely,
  
  ***** Quorplan

  

  Business Response

  Date: 04/23/2025

  We are in receipt of the additional comments provided by the above referenced person. We have reviewed the concerns and have nothing additional to add to our original responses.  BMO Bank N.A. considers this matter closed. Thank you.

  Customer Answer

  Date: 04/29/2025

   
  Complaint: 23192248
  
  I am rejecting this response because:

  The merchant refuses to address our concerns by simply responding as they consider the matter closed. This is what the letter they sent also claims. *** is not a customer oriented merchant and deserves an "F" rating.
  
  Sincerely,
  
  ***** Quorplan

• Initial Complaint

  Date:04/10/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The state of ** placed a levy on my account to pay my ex's back child support. I am in no way associated with the child support case. I provided all evidence to NJ and the levy was lifted. NJ mailed the letter to *** 3/5 stating all money was to be put back into my account. *** stated they never received the letter. NJ then faxed the letter 4 times and emailed it 2 more times. 4/1 *** sent my money to ** despite countless calls and NJ sending them the letter to return my funds 7 times. I have attached the copy of the release letter that was sent to my home as well.

  

  Business Response

  Date: 04/28/2025

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A letter was sent to ***** ******* on April 22, 2025, addressing their concerns. In the interest of protecting the customers confidentiality, we are not posting a summary of the correspondence in this forum. Please let us know if we can assist further regarding this matter. Thank you for taking the time to bring this matter to our attention.

  Customer Answer

  Date: 04/28/2025

   
  Complaint: 23187035
  
  I am rejecting this response because: The issue was not properly resolved and this is beyond shady business practices. When a letter is sent to return someone's money repeatedly, via mail, fax and email that needs to be honored. The funds never should have been sent to the state of ********** as they notified the bank numerous times that this was to be handled by returning my money because I was not involved in the levy that was placed wrongly on my account. 
  
  Sincerely,
  
  ***** *******

  

  Business Response

  Date: 04/29/2025

  We are in receipt of the additional comments provided by the above referenced person. We have reviewed the concerns and have nothing additional to add to our original responses.  BMO Bank N.A. considers this matter closed. Thank you.

  Customer Answer

  Date: 04/29/2025

   
  Complaint: 23187035
  
  I am rejecting this response because: Nothing was properly resolved. This is shady business practice and unacceptable. 
  
  Sincerely,
  
  ***** *******

• Initial Complaint

  Date:04/09/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I opened a business account with ********;and I deposited checks that were endorsed to me through an ATM they held the checks then they let them go through there was no fraud or anything wrong with them well after they put them on hold then let the em go through they decided they didnt want to be in trouble if they were fraud so they froze my entire account it was a business account and I had my customers money in there and everything I needed to work and do my job well it took me a min to get the people that the checks were from to sign a affidavit because one was in jail and the other was in a wheel chair so they decided they were going to close my account all together and issue a cashiers check for my remaining balance minus the amount of the checks I went and got the people who endorsed the checks to me got it notarized they were all good and they still wouldnt release the funds back to me they insisted that they send them to the people who they were originally written for even though I had already gave them the one for the checks when I deposited them and the bank let them go through so now its been about a month and they have yet to receive the checks and I have no way to know if they have received them or not so I have a chance of not getting my money back at all because I dont know if they are going to be honest and give me my only or keep it and be paid by me twice and me be out a lot of time and money this is the most ridiculous thing that I have been through and the craziest part is all this ******** and there was ABSOLUTELY NO FRAUD NOTHING WAS WRONG WITH THE TRANSACTION IM ******.

  

  Business Response

  Date: 04/21/2025

  We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customers inquiry. A letter was sent today April 21, 2025, addressing the concerns brought up in the complaint. Please allow up to seven days for receipt.  In the interest of protecting our customers confidentiality, we are not posting the contents of the letter in this forum. Please let us know if we can assist further regarding this matter. Thank you for taking the time to bring this matter to our attention.

• Initial Complaint

  Date:04/06/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was the victim of debit card theft i.e. skimming/shimming fraud. I was honest with my bank in that my actual debit card never left my possession. Therefore the bank denied my reimbursements claims due to the fact that since I never lost my card, and it had to be present for the fraudulent transactions to take place, that they were in fact legit transactions that I did. Basically, they turned me into the criminal. Maybe had I lied to them and said I lost my card, things would have went differently. The fraud went on for many months under my nose before I scrutinized my account history and discovered it. The reasons they deny me and reimbursement are wrong. The only thing that would make sense is if there is a regulatory time limit for reimbursement. For instance, maybe I get paid before for the last 90 or 120 days where the fraud was occurring and anything older than that I am out of luck. However, they denied my for everything, which is unfair and not right. They claim that chip cards cannot be duplicated however according to the *** website that is false. chip cards can be skimmed/shimmed while used at a POS. My card info, chip info, and PIN were stolen electronically from me while using my debit card. And either some technological device or a duplicated card was created for thieves to use my info in *******, ** for steal money from me little bits at a time so no one would notice, and they succeeded unfortunately. *** denies my claims because they said all the transactions were authorized. this is FALSE. I have a spreadsheet that I made showing all fraud transactions and a long email chain for months trying to resolve this with the bank. Please help me, no government organization has done anything to help. I am just a regular guy that had over ***** dollars stolen from me and I need that money to feed my family. please help.

  

  Business Response

  Date: 04/08/2025

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A letter was placed in the mail April 8, 2025, to the customer, addressing their concerns. Please allow time for mail delivery. In the interest of protecting our customers confidentiality, we are not posting the contents of the letter in this forum. Please let us know if we can assist further regarding this matter. Thank you for taking the time to bring this matter to our attention.

  Customer Answer

  Date: 04/12/2025

   
  Complaint: 23168668
  
  I am rejecting this response because: I received the mail piece. It was another denial letter. The reasons for my denial do not make sense. I was not present when the fraudulent transactions took place, they were not authorized by me nor was my personal debit card used as I had it with me. When these transactions took place, I was at work, not in *******, ** making these transactions. Were there cameras at the ATM's or locations where the transactions occurred? did BMO review footage to see it was not me? 

  BMO States:

  "Our investigation found that your card was required to be present for the transaction, the chip was read/validated and you have confirmed you are still in possession of your card."
  This is obvious, my card was skimmed and someone made a duplicate fake card. My one and only actual true debit card never left my wallet. And I didn't make the transactions. If you review the pattern of transactions, and the addresses they were made, it is obviously fraud. The investigation was haphazard and not comprehensive. Most of the transactions were located around a 4-way intersection in *******, **. I don't go to *******. And my *** location history from the two phones I have on me everyday, as well as the *** tracking history of my company vehicle, I am sure could prove this if the history is stored and saved up to today. Nevertheless, this is obvious fraud. DO A BETTER COMPREHENSIVE INVESTIGATION. LOOK AT THE ADDRESSES! 

  *** claims that a chip card cannot be duplicated. Then please explain to me how someone duplicated it. It's called chip (EMV) card cloning. 

  I was not present for the transactions and they were not authorized hence they are fraud. Therefore, someone was able to duplicate, or clone, my card, when I used it somewhere during a point of sale transaction. This is literally the only explanation. BMO is treating me like I am a liar and a criminal. Please as a company have some integrity. Why would I put so much effort into getting my stolen money back if I was the one that did the fraud transactions. I have literally tried everything to convince you, the bank, and I have file complaints everywhere I can. No one is helping me. The big banks win again and the little guy takes the fall while the criminals go unpunished. I am being punished and I didn't do anything wrong.
  
  BMO States:
  "Our Investigation found that your PIN was required to complete the transaction."
  Again, this is obvious debit card skimming fraud. My PIN was skimmed also. Someone skimmed my debit card, chip, and PIN at some point, somewhere, when I made a valid transaction.
  Does nobody with BMO know what debit card skimming fraud is? please see the link below from the *** website for information:
  *****************************************************************************************
  
  BMO States:
  "Our investigation found that the time, frequency, location, types, and amounts of the disputed transactions are consistent with previous patterns of use on your account."
  This is so obvious. It was because the fraud was going on for 11 months before I caught it and reported it and disputed it. Therefore, it may seem normal, but the reason is what I just stated.
  If you review the account transaction history and patterns FROM BEFORE the fraudulent transactions were occuring, you would see that this is obviously NOT consistent with my pattern of use and it is all fraud.
  
  
  I understand there are regulations and timelines for when a claim can be approved based on the fraudulent transaction dates versus claim opening dates. However, if you review the attached spreadsheet, the transaction dates are populated as well as all of the dispute ID's from which I am sure you can see what dates the claims were submitted. If you cross reference the dates the claims were submitted, you will see that there are definitely some transactions that are within the timeline. PLEASE be thorough. I should not be receiving a blanket denial for all claims. What are the regulatory timelines? No one has informed me of this. No one has informed me of anything other than I am denied everything. This is unacceptable. I know I should have been monitoring my account, and I do not expect to receive all the money back. However I should be getting something back. Should it go back 90 days? 120 days? No one has told me anything. Please review, cross reference dates, and advise me of how much money I will be getting back from this obvious debit card skimming fraud. I promise you I will not give up on this. I should not be out of luck with the total dollar amount.
  
  Sincerely,
  
  ***** *******

  

  Business Response

  Date: 04/15/2025

  We are in receipt of the additional comments provided by the above referenced person.  We have reviewed the concerns and have nothing additional to add to our original responses.  BMO Bank N.A. considers this matter closed.  Thank you.

  Customer Answer

  Date: 04/15/2025

   
  Complaint: 23168668
  
  I am rejecting this response because: I have explained everything and my position. I have nothing further to add except that I dispute the resolution by the bank. The bank and I are in disagreement and the bank has not offered answers to my satisfaction. My belief is that they are in the wrong and have treated me unfairly. All third party arbitration has failed to provide a satisfactory resolution. I was the victim of fraud and the bank did not support me, and appears that they do not even believe me. I will never do business with this bank again and I will inform everyone I can to avoid this bank at all costs. I realize that I should have caught the fraud sooner, which is my mistake. However, that doesn't negate the fact that the fraud took place, and that I should be entitled so some, not all, but some monetary reimbursement. ******** was not interested in resolving this matter fairly, and keeping a customer. I have been a member of that local branch (previously Bank of the West) since I was 18 or so years old. This was the first time I have been the victim of fraud, and the criminals won, and the bank did nothing. It is my hope that ******** will learn from this, and treat their clients better in the future. It is my hope that *** will learn to care about their customers, and actually perform human investigations on matters of fraud. Some people are honest and should be treated justly and fairly. I have been dealing with this for close to 9 months. ******** was slow to respond, went months without any movement on the matter, and the outcome is nothing. Over $2300 was stolen from me and *** bank offered no support. Do better in the future, please.
  
  Sincerely,
  
  ***** *******

• Initial Complaint

  Date:04/06/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In late 2024, I was informed by BMO Harris Bank that my account had been hacked. This account was overdrawn by $3,000. *** had extended a line of credit of $3,000 to the 'hacker'. BMO has charged me for the $3,000 but refuses to give out any information as to the purchases made for by the hacker. Hence, they have blocked any investigation on my part.

  

  Business Response

  Date: 04/17/2025

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A letter to the customer was placed in the mail on March 3rd, 2025, addressing their concerns. Please allow time for mail delivery.  In the interest of protecting our customers confidentiality,we are not posting the contents of the letter in this forum. Please let us know if we can assist further regarding this matter. Thank you for taking the time to bring this matter to our attention.

• Initial Complaint

  Date:04/06/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We bought an RV in April 2017. Our loan was originated through Bank Of The West, with 6.25% interest, and $680 monthly payments. **** has since been taken over by BMO Harris..Every month our statements continue to show that 50% or more of our payment was applied to interest, with less than 50% applying to the principle of the loan. We have never been late on a payment, and have occasionally made extra payments...but those, too, apply more toward interest than ************ far this year (April 2025) I've paid $2100, and according to my latest statement for end of March, $1039 of that has gone to interest.For 2024 we paid approximately $8400 ($700 x 12 months) and my statement shows that I paid $4925 in interest for 2024. Over the better part of 7 years I've paid almost $60k, yet my principle has decreased by only around $30k.I've repeatedly asked over the phone and in person at a BMO branch for an audit of my payment history, and for an amortization schedule; all with no response other than "we'll let you know if we find anything wrong".I simply cannot understand how BMO can justify taking 50% of every payment over 7 years, and applying it to interest, and I cannot get anyone at *** to provide me with an amortization schedule for my loan.

  

  Business Response

  Date: 04/14/2025

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A letter to the customer was placed in the mail on April 14, 2025, addressing their concerns. Please allow time for mail delivery. In the interest of protecting our customers confidentiality, we are not posting the contents of the letter in this forum. Please let us know if we can assist further regarding this matter. Thank you for taking the time to bring this matter to our attention.

• Initial Complaint

  Date:04/05/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In February 2025, I deposited my paycheck as usual to my *** account. When no funds were available, I called to inquire. I was told that there was doubt to collectability and the hold would last for 12 days (I was told it was extended due to a holiday). I explained that this is my paycheck and I have 3 small children. I need to be able to feed them, pay my mortgage, etc. I was given a poor response, and the supervisor I spoke to told me there was nothing *** could do as the hold issue was coming from the issuing bank (later discovered this was an outright lie). I then called the issuer of the check, who contacted his bank. I spoke with the issuing bank's branch manager who told me there was no issue on their end and they had cleared the check. She was helpful an contacted *** on my behalf. She called back and told me *** would not give her any information. I then sat in my branch, working with a customer relations person who attempted to assist me by calling the fraud department. I then was issued a cashier's check to deposit from the issuer so I could pay my bills while we waited the outcome of the held check. On my way to deposit, I checked my account again, and they cleared my original check. My branch manager said he had given his back office copies of my checks that had cleared so this would not happen again. Now we are just two months later, and it has happened again. The bank is withholding ALL funds from my paycheck with NO valid reason, and causing real damages to a middle class family with 3 small children. I have been given no valid reason whatsoever for this hold AGAIN for a check for the same amount, from the same account to the same account as EVERY SINGLE MONTH. This is unacceptable, prevents me from supporting my family and paying bills, and takes me away from work to attempt to resolve the matter. The fact that this has now happened 2 times in 2 months is beyond my understanding. This has caused my family undue hardship. 

  

  Business Response

  Date: 04/09/2025

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A letter was mailed to **** ***** on April 9, 2025, addressing their concerns. Please allow 7-10 days to receive the letter sent via ****. In the interest of protecting the customers confidentiality, we are not posting a summary of the correspondence in this forum. Please let us know if we can assist further regarding this matter. Thank you for taking the time to bring this matter to our attention.

• Initial Complaint

  Date:04/03/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I deposited a check on Wednesday, April 2nd. I researched online how long it would take for the check to clear. The company website states checks clear within 1-2 business days. I called the bank branch and was automatically routed to corporate call center. I called to follow up on the availability of the funds. The representative advised me that the funds would not be available until Friday, April 11th due to a fraud hold. This is unacceptable as it does not state on the website that checks could take 2 weeks to process. The first 2 reps were unhelpful. I asked to speak to a manager. I was transferred to someone who advised me that she could not help me. She had no answers to my questions and refused to assist with a resolution.

  

  Business Response

  Date: 04/09/2025

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A letter to the customer was placed in the mail on April 9, 2025 addressing their concerns. Please allow time for mail delivery. In the interest of protecting our customers confidentiality, we are not posting the contents of the letter in this forum. Please let us know if we can assist further regarding this matter. Thank you for taking the time to bring this matter to our attention.

• Initial Complaint

  Date:04/03/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have had my *** credit card for decades and have always paid on time, never going beyond my credit limit. I have a good credit score. On April 2, 2025, I attempted to purchase gas with my card and it was declined. I tried several times and it still declined. I called *** and was told that they cancelled my card/closed the account - as per their "customer agreement". I had zero warning or notice from *** - just suddenly my card didn't work. Luckily I was close to home and not depending on the card while ************ doesn't seem that a bank can simply cancel my account because "they feel like it". I created no cause for them and have been a compliant customer. My concern is this cancellation will affect my credit score and through absolutely no fault on my part.

  

  Business Response

  Date: 04/04/2025

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A letter was sent to ***** ******* on Aptil 4, 2025, addressing their concerns. In the interest of protecting the customers confidentiality, we are not posting a summary of the correspondence in this forum. Please let us know if we can assist further regarding this matter. Thank you for taking the time to bring this matter to our attention.

  Customer Answer

  Date: 04/14/2025

   
  Complaint: ********
  
  I am rejecting this response because:
  In regards to the complaint (********), I got a letter stating they were sending a letter on the 7th.  So far I haven't received any letter.  If this matter doesn't affect my credit rating, I will no longer be dealing with BMO, so you can close the case as unresolved.  Thank you for your time.
  
  
  *** and ***** Jackson 
  

  
  

  
  Sincerely,
  
  ***** *******

  

  Business Response

  Date: 04/15/2025

  We are in receipt of the additional comments provided by the above referenced person. We have reviewed the concerns and have nothing additional to add to our original responses.  BMO Bank N.A. considers this matter closed. Thank you.

  Customer Answer

  Date: 04/23/2025

   
  Complaint: 23155501
  
  I am rejecting this response because:
  *** did send a letter again reiterating that they closed my account.  They never did give me any reason for this action nor did they give me any notice.
  *** does not treat their customers with any kind of respect or accountability. Not much more I can add since they have stonewalled me. So, I guess that's the resolution.
  
  ***** E *******
  

  
  

• Initial Complaint

  Date:03/31/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Back on February 12 /2025, On February 12, 2025, I was notified by my bank about a $16,000 commercial loan taken in my name in 2019, which I had no knowledge of. It seems someone used my Employer Identification Number (EIN) and Social Security Number (SSN) to secure this loan without my consent.I denied responsibility and attempted to initiate a fraud claim. However, the bank's provided documentation lacked the application form, prompting me to contact a customer relations representative. He advised me to visit my bank branch, where I met with my banker and the branch manager, but they could not resolve the issue. The manager promised to escalate the matter.Despite my efforts, including calling the *** ************************ I received no follow-up communication. After two weeks of frustration, I faced harassment from collection agencies calling at all hours, which made it difficult for me to manage the situation. Though I initially tried to address outstanding bills, I eventually withdrew from further engagement. I returned to the *********** for help, but a resolution remains elusive.

  

  Business Response

  Date: 04/09/2025

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A letter was placed in the mail April 9, 2025, to the customer, addressing their concerns. Please allow time for mail delivery. In the interest of protecting our customers confidentiality, we are not posting the contents of the letter in this forum. Please let us know if we can assist further regarding this matter. Thank you for taking the time to bring this matter to our attention.