Managing an account: Checking or savings account

* '' I am filing a brand new complaint against BMO Harris Bank due to newly discovered information iregarding a severe processing error on my previous dispute. That I just learned about during the response to my claim I originally disputed two transactions with the merchant 'stagvapes ' because the products arrived completely defective and unable to charge. However, I have just found out that BMO Harris incorrectly labeled and processed my claim under the wrong regulatory category as an 'Unauthorized/Fraud Claim. ' Because BMO Harris submitted their own incorrect code, the claim was automatically denied because I did authorize the purchase. I am not claiming fraud ; I am claiming Defective Merchandise / Not as Described. BMO Harris is refusing to correct their internal clerical error and is forcing me to be liable for a mistake their own employee made. The merchant has explicitly admitted in writing ( see attached chat logs ) that they knowingly mixed my orders with a 'higher defect rate batch ' and sent broken items. I am requesting that BMO Harris immediately correct their coding error, open a proper 'Defective Merchandise ' dispute, and review the merchant 's written admissions of fault.