A few questions, if you don't mind.
[1] Do you confirm that the account *was not accessed* by any Authorized
person during that entire time?
[2] *When was the last access* by an Authorized person, *before* the
non-authorized transactions took place?
[3] Has anyone insisted on BMO providing details on who the funds were
paid out to, specifically
* the destination account, and
* the Person/Organization associated with that destination account
*formalized as preparation for Police report on fraud*? (possibly
requested by Lawyer)
[4] (/this is what I am setting up for .../) Who, other than a BMO
insider, would know that the account was "semi-dormant"? We should
maybe insist on a report by BMO's internal Security detailing which
employees accessed the account, when and for what purpose, again
requested via Legal representation.
Thank you for considering my thoughts on this?
Eric Marceau, 70, retired
On 2025-12-06 21:41, Ian! D. Allen via linux wrote:
This is a BMO-related rant; it is not Linux-related.
Our community group uses BMO. We are not happy.
We put on a Contact Improvisation Dance event annually up to 2019.
We were on pause for 2020 through 2024, so we didn't look at the account.
As we prepared to restart the event in 2025, we discovered that BMO had let someone withdraw $4,000 from our account over two months in 2021, when we weren't looking:
2021-04-21 Pre-Authorized Payment, PAYDIRECT BILLI MSP/DIV 400.00 5,569.07
2021-04-21 Pre-Authorized Payment, PAYDIRECT BILLI MSP/DIV 200.00 5,369.07
2021-04-21 Pre-Authorized Payment, PAYDIRECT BILLI MSP/DIV 50.00 5,319.07
2021-04-21 Pre-Authorized Payment, PAYDIRECT BILLI MSP/DIV 100.00 5,219.07
2021-05-17 Pre-Authorized Payment, PAYDIRECT BILLI MSP/DIV 200.00 5,019.07
2021-05-17 Pre-Authorized Payment, PAYDIRECT BILLI MSP/DIV 100.00 4,919.07
2021-05-17 Pre-Authorized Payment, PAYDIRECT BILLI MSP/DIV 200.00 4,719.07
2021-05-17 Pre-Authorized Payment, PAYDIRECT BILLI MSP/DIV 200.00 4,519.07
2021-05-17 Pre-Authorized Payment, PAYDIRECT BILLI MSP/DIV 50.00 4,469.07
2021-06-01 Pre-Authorized Payment, PAYDIRECT BILLI MSP/DIV 300.00 4,166.57
2021-06-01 Pre-Authorized Payment, PAYDIRECT BILLI MSP/DIV 300.00 3,866.57
2021-06-01 Pre-Authorized Payment, PAYDIRECT BILLI MSP/DIV 300.00 3,566.57
2021-06-01 Pre-Authorized Payment, PAYDIRECT BILLI MSP/DIV 300.00 3,266.57
2021-06-01 Pre-Authorized Payment, PAYDIRECT BILLI MSP/DIV 300.00 2,966.57
2021-06-01 Pre-Authorized Payment, PAYDIRECT BILLI MSP/DIV 300.00 2,666.57
2021-06-01 Pre-Authorized Payment, PAYDIRECT BILLI MSP/DIV 100.00 2,566.57
2021-06-01 Pre-Authorized Payment, PAYDIRECT BILLI MSP/DIV 300.00 2,266.57
2021-06-01 Pre-Authorized Payment, PAYDIRECT BILLI MSP/DIV 300.00 1,966.57
BMO said we were supposed to watch our bank account every five days in case BMO might let some known fraud service take money out of our account without our permission. It's not up to BMO to keep our account safe from fraud services (even though BMO charges us $2.50 every month), it's up to us to watch it. In May 2025 there were 438 periods of five days since we last used the account in 2019; BMO expected us to sign on to our account 438 times (every five days) in the past six years just to check that BMO hadn't allowed a fraud billing service to take our money.
I hope all you BMO users check all your bank accounts every five days.
On Sat, Dec 06, 2025 at 05:50:57PM -0500, Jean-Francois Messier via linux wrote:
That's a bad move by BMO. I guess that the if and else parts of their
algorithm have been swapped / inverted. I stopped using BMO a long time ago,
way before the BMO name came out. I'm now with Tangerine and I am rather
happy. On another note, I was the victim of a fraud of over $20,000 from a
customer of BMO. They did absolutely nothing about the account that stole the
money. Tahberine and their team solved the problem and I got all my money
back.