Krislov v. BMO Harris Bank

Appellate Court of Illinois·Decided August 28, 2026·No. 1-22-0306·Unpublished

Opinion

2026 IL App (1st) 220306-U No. 1-22-0306

Order filed August 28, 2026 Fifth Division

NOTICE: This order was filed under Supreme Court Rule 23 and is not precedent except in the limited circumstances allowed under Rule 23(e)(1).

IN THE

APPELLATE COURT OF ILLINOIS FIRST DISTRICT

NICHOLAS A. KRISLOV, as Executor of the Estate of ) Appeal from the Clinton A. Krislov, ) Circuit Court of ) Cook County.

Plaintiff-Appellant, )

) No. 21 CH 3494

v. )

) Honorable

BMO HARRIS BANK, N.A., ) Neil H. Cohen, ) Judge, Presiding.

Defendant-Appellant, )

________________________________________ )

)

BMO HARRIS BANK, N.A., )

)

Petitioner-Cross-Appellant, )

)

v. )

)

KENNETH GOLDSTEIN, MYRON CHERRY, and ) JACIE ZOLNA, )

)

Respondents-Cross-Appellees, )

)

________________________________________ )

MYRON CHERRY and JACIE ZOLNA, )

)

Petitioners-Cross-Appellants, )

)

v. ) BMO HARRIS BANK, N.A., and ANDREW VAIL, )

)

Respondents-Cross-Appellees. )

JUSTICE ODEN JOHNSON delivered the judgment of the court.

Justices Mikva and Wilson concurred in the judgment.

ORDER

¶1 Held: (1) The circuit court’s dismissal is affirmed where the complaint was barred by res judicata; (2) the circuit court’s denial of sanctions against Krislov and his attorneys is affirmed; and (3) the circuit court’s denial of Rule 137 sanctions against BMO Harris and Attorney Vail was not an abuse of discretion and is affirmed.

¶2 This appeal consists of three parts. The first being initiated by plaintiff Nicholas A. Krislov, as Executor of the Estate of Clinton A. Krislov 1 (Krislov) appealing the February 3, 2022, dismissal of his consumer fraud complaint against defendant BMO Harris Bank, N.A. (BMO Harris). Krislov contends that the circuit court improperly found that, due to his prior status as the relator in a prior qui tam claim for the State against BMO Harris, res judicata barred him from subsequently pursuing a consumer class action for himself and other non-government parties against BMO Harris for wrongful charges imposed on accounts. For the following reasons, we affirm.

Attorney Clinton A. Krislov was the original named plaintiff in this action, however, he died

1

during its pendency and the executor of his estate was substituted as the named plaintiff.

¶3 Secondly, defendant-cross-appellant BMO Harris appeals from the circuit court’s May 26, 2023, order that vacated its prior September 28, 2022, award of Rule 137 sanctions against Krislov and Attorney Kenneth Goldstein. 2 On appeal, BMO Harris contends that the circuit court abused its discretion in rescinding the sanctions against Krislov 3 and Goldstein. BMO Harris also contends that the circuit court erred in finding that Rule 137 sanctions were unavailable against Attorneys Myron Cherry (Cherry) and Jacie Zolna (Zolna). For the following reasons, we affirm.

¶4 Lastly, Attorneys Cherry and Zolna appeal from the circuit court’s May 26, 2023, denial of their motion for Rule 137 sanctions against respondents BMO Harris and its attorney, Andrew Vail (Vail). On appeal, Cherry and Zolna contend that the circuit court erred in finding that Rule 137 sanctions were not available against BMO Harris and Vail because pursuing sanctions against non-signing attorneys was a “technical matter” that should not be considered actionable under the rule. For the following reasons, we affirm.

¶5 I. BACKGROUND

¶6 A. KRISLOV I

¶7 This is not Krislov’s first appeal in an action involving BMO Harris. We previously affirmed the circuit court’s grant of the State of Illinois’ motion to dismiss Krislov’s qui tam action as a proper exercise of the State’s prosecutorial discretion. Specifically, we found that the record failed to support a finding of bad faith by the State in filing the motion to dismiss, and the denial of leave to amend the complaint was not an abuse of discretion where Krislov did not file a proper motion to amend the pleadings and did not provide the circuit court with the proposed amendment.

2 That same order denied sanctions against Attorneys Myron Cherry and Jacie Zolna.

3 BMO Harris has since voluntarily dismissed Krislov from its cross-appeal.

State of Illinois ex rel. Clinton Krislov v. BMO Harris Bank, N.A., 2021 IL App (1st) 192273-U, ¶ 1. (Krislov I).

¶8 The underlying facts of the case are taken from Krislov I and serve as the factual basis for the instant case. We restate only those facts that are relevant to our ruling herein.

¶9 On August 10, 2018, Krislov filed a qui tam action in the circuit court of Cook County under seal, as relator, on behalf of the State of Illinois against BMO Harris for alleged violations of the Illinois False Claims Act (740 ILCS 171/1 et seq. (West 2018)) under case number 2018 L 8650. The basic facts underlying Krislov’s qui tam action were that Krislov opened an account with BMO Harris’ predecessor, Harris Trust and Savings Bank 4, in 1973 with an initial deposit, and he continued to use the account until November 2007. At that time, the account had an approximate balance of $1631. Krislov did not communicate or otherwise interact with BMO Harris from November 2007 until about May 2, 2018, when Krislov went to a newly opened BMO Harris branch and inquired about resuming his banking services with BMO Harris. The bank employee was unable to find any account information for Krislov and indicated that further research would be necessary. In July 2018, Krislov returned to the branch and spoke to the bank manager, who indicated that the account was closed with a zero balance in April 2017, and that the bank charged a monthly $12 dormancy fee and maintenance fee each month until the balance reached zero and the account was then closed. Krislov alleged that “at some point,” BMO Harris adopted a policy of charging a maintenance fee on all checking accounts that did not meet certain waiver requirements, as well as a policy on dormant accounts. Krislov further alleged that the

4 Harris Trust and Savings Bank became BMO Harris after a merger in 2005.

bank’s deposit agreement showed that BMO Harris was aware of its obligation to report and transmit abandoned funds to the State.

¶ 10 On July 15, 2013, BMO Harris mailed a statement to Krislov, indicating that the bank would be eliminating the dormant account fee. The statement also indicated a balance of $582.65 in the account. Krislov asserted that BMO Harris knew or should have known that he was no longer using the account and that it became abandoned under the statute, thus triggering the bank’s obligation to report the account. Instead, Krislov maintained that the bank intentionally charged the monthly maintenance fee to the account to avoid reporting it as abandoned and remitting the funds to the State. Krislov alleged that the bank relied on the application of the monthly fee as “activity” in order to treat the account as active, even after more than five years of inactivity. Further, Krislov alleged that despite BMO Harris’ asserted right to charge the monthly maintenance under the contract with its customers, it was still obligated to report and turn over to the State any abandoned property as defined by the statutes. As an alternate argument, Krislov alleged that BMO Harris’ policy of not reporting accounts, where the only transactions were the monthly maintenance fee and the account owner took no steps that would rebut the presumption of abandonment, was done in “deliberate ignorance or reckless disregard” of its duty to report and remit the remaining funds to the State. Specifically, Krislov alleged that after the 60th month of inactivity, BMO Harris had a duty to report the account to the State as abandoned, which would have resulted in an approximate $911 remittance to the State on Krislov’s behalf. 5

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