BMO Harris Bank Account Or Service Complaint

BMO Harris Bank account or service department,

Checking account Account opening, closing, or management Illinois

I opened checking account and BMO Harris bank on -/-/2017 with deposit $100.00 and on this day I tried to make online bill to - credit card for the ammount of $95.00. Their website show me a message /in red/ that I can not make online bill payment now and I gave up from the idea to use that service. Suddenly and without my permission BMO Harris make a payment on -/-/2017 and on this day I did not have the money, I was charged NSF $35.00, I called to their customer service and the money were refunded. I was totaly surprised when I saw today that my account is negative, becasue BMO tried to pay again without my permission $95.00 to the same - credit card. I went to BMO Harris, - on -/-/17, spoke with the banker - -, spoke with the Branch Manager and Customer service and I was told that I ow $91.00 to the bank because they paid to - $95.00 /I had $3.00 in the account/. I paid the $91.00 to the bank, but later during the day -2017/ I got e-mail from BMO Harris Bank that they did not pay the $95.00 to - and I will be charged NSF $35.00. I would like to share that when I opened the account on -/-/2017 the banker never discussed with me how the online bill pay works and debit coverage as well! Now I know, but base on the worst banking experience ever in my life!