The story is long-BMO allowed 11,000$ of fraudulent charges (significantly more than my credit limit) to go through on my card in a one hour period at 2am on September 25. I reported them as fraudulent the next day while they were still pending and BMO neither noted the fraud nor did they stop the transactions. BMO has a 4+ hour wait on hold for processing customer service credit card fraud. After spending hours trying to solve this I went to my local branch where the BMO banking representative informed me that BMO doesn't actually do anything with respect to the credit cards it advertises which are signed up for at the branch. BMO is currently holding me responsible for these charges. This is a violation of Canadian banking security