Bank of Montreal refused stealth deposit

[fast2233]

BMO refused my mismatched name deposit and is trying to phone me. I'd like to be prepared with a plausible reason to accept the deposits. Any ideas?

[GreenBean]

How long have you had the bank account and how much has gone thro' it?

[fast2233]

It's brand new and this is the first transaction

[dallasreed]

Employee making deposits

[MM78]

Originally Posted by fast2233

BMO refused my mismatched name deposit and is trying to phone me. I'd like to be prepared with a plausible reason to accept the deposits. Any ideas?

Can always use the reasoning I give "My Boss (stealth name) pays me through Paypal to bank deposit for my work (make up a job u do)"

Does it work 100%? No! lol, it's worked about 40% of the time and usually for me, they would ask for some personal info on the name, such as address, phone, etc. So I always have all the info handy.

[css1]

I don't know from experience, but just say anything, seem genuine and they might put it through, or they'll say no. But evading them will never lead to anything good.

[fast2233]

To complicate matters I'm from Indonesia and went to the US and Canada to open many bank accounts. I understand that banks can see if you've applied to open other bank accounts, so she might also realize that fact.

For the idea of the boss withdrawing funds from a paypal account directly to my account, how might I answer the question of why he doesn't just send me paypal money? I suppose I could say that I don't have a paypal account, or that I did but they cancelled it with no reason a few years ago.

Or instead of boss I could say client who I do some freelance work for - such as telemarketing or some such - who wanted to pay by paypal but as I had no paypal he added my bank to the withdrawl.

[BiN4RY]

Banks don't trust you when 1) you're opening bank accounts and is not a citizen of the country or the surrounding countries and 2) when you proceeds to use it oversea.

This is exactly why BMO shut you down.

[fast2233]

They didn't shut me down. And of course they knew I was not a Canadian citizen when I opened the account. Someone from that bank is just trying to call. And of course it's likely because of the deposit, as they refused it.

Oh, also I only login to the account using a Canadian proxy.

[rsot]

Very odd - I have had good experiences with BMO hmm what was the amount of the first transaction? was it the 2 pp deposits?

[GreenBean]

Originally Posted by rsot

Very odd - I have had good experiences with BMO hmm what was the amount of the first transaction? was it the 2 pp deposits?

Why would it be very odd for you as a resident in Canada to have anything but good experiences with a Bank ?

re-read what the OP said.

He's using a proxy to access the banking system.

The Bank already knows he is a non-resident.

Sadly whatever he has done has flagged his account.

[rsot]

@fast2233, all your proxy business and such noted...did you create the accounts in Canadian funds? or USD-based fund accounts?

Originally Posted by GreenBean™

Why would it be very odd for you as a resident in Canada to have anything but good experiences with a Bank ?

I have miserable experiences with CIBC as I stated a bit back due to issues with merchant stuff - but thats not with PP