BMO HARRIS BANK NATIONAL ASSOCIATION

2019-01-08

Scottsdale, AZ

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Public record information inaccurate
Complaint: the delay in recording the trustees sale is a manipulation of how their items is reporting to the credit bureaus and is a violation of the FTCs Fair Credit Reporting Act guidelines as this is not reporting to your credit fairly or accurately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-01-08

WI

Closing an account

Checking or savings account: Checking account

Company closed your account
Complaint: On XX/XX/2018 I received a letter from XXXX XXXX XXXX stating that they are ending their banking relationship with me. This letter was in regards to an inactive account that we had opened on a trip to XXXX, which had been inactive for about 2 years. In reading online, it is understandable that an account that has been inactive for this long would be closed. The letter instructed me to close this account by XX/XX/2018, and had attached another page outlining the " full list of all accounts to be closed '', which only included this 1 account in XXXX. I do not have a problem with this closure as the account had been inactive for so long and we were going to shut it down anyway. However, we also have accounts with BMO Harris ( USA ). When we logged on to our online banking on XX/XX/XXXX, we saw that all of our accounts had been closed. We had not been notified prior to this closure. We reached out to the local branch and had been given the name of the person who closed our accounts and were told that the account had been closed on XX/XX/XXXX. In speaking with the person who had closed our account, he said that he does not know why our accounts were closed, however he was instructed to do so from BMO Harris. Furthermore, when he investigated why we were not notified, he was told that we were notified via certified mail back in XXXX about the closures and sent along receipts from the certified mail. We had never received these letters and upon tracking them via USPS, the letters were just sent out XX/XX/2018 ( 7 days after the closures ) and are still in transit. We had a number of bits ( utilities, credit cards, etc. ) that automatically withdraw from this bank account. Since the unexpected closures, we have received significant charges due to unpaid bills as they tried to withdraw from this account. In addition, we have also had some bounced checks that were written and were attempted to be cashed when the account was closed. The bank manager is unable to obtain information as to why our accounts were closed and thinks that it is simply because of the closure of the inactive account in XXXX by BMO Harris ' parent company. We have since tried moving banks, but upon cashing the cashiers checks from BMO Harris, a 30 day hold is put in place on funds from checks deposited by new customers. During this time more bills are coming due ( tuition, credit cards, utilities, phone, etc. ) which will incur even more fees and will significantly impact my credit score. My accounts at BMO have always been in good standing, and I have been with BMO for nearly 40 years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-01-07

Reeds, MO

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: BMO Harris Bank keeps charging me excessive overdraft fees and not even covering my overdraft although I signed up for overdraft protection they have never covered any overdraft but continue to fee me excessive fees for a {$2.00} charge in the negative at XXXX XXXX XXXX they charged me {$36.00} I'm currently in a economic hardship and they refuse to reimburse me the excessive fees! Also they state they sending back my auto withdrawal from XXXX XXXX XXXX and charge me more and more although I opted into overdraft protection this bank is frivolous in that they excessively charge and fee u to much!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-01-05

Galva, IL

Closing an account

Checking or savings account: Checking account

Can't close your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-01-05

Blandinsville, IL

Closing an account

Checking or savings account: Checking account

Can't close your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-01-03

Tempe, AZ

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with balance transfer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2018-12-29

Sayreville, NJ

Closing an account

Checking or savings account: Checking account

Can't close your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-28

Greenfield, WI

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-27

Chicago Heights, IL

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-26

Closing an account

Checking or savings account: Other banking product or service

Can't close your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-24

Milwaukee, WI

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: On XX/XX/XXXX I received a text message at approximately XXXX stating fraud charges. All these charges were use in XXXX, IN. Fraud Charges- {$100.00} XXXX XXXX, {$95.00} XXXX XXXX, {$100.00} XXXX XXXX, {$92.00} XXXX XXXX XXXX and {$95.00} XXXX XXXX XXXX. At that time I called BMO Harris Bank and spoke to a representative who filed a dispute she also emailed me a form to take to a branch location in the morning. The representative also stated that I would receive a provisional credit once the forms were received in the REG E dept. She did inform me that it would take 7 to 10 days but I told her that is not acceptable because 2 bills were coming out my account and this would leave my account in the negative. As of today the money has not been placed in my account. I have been on the phone with multiple representatives from XX/XX/XXXX-XX/XX/XXXX. I need action done and someone to reach out to me regarding this matter. This is the short version of the issue. I have more to say but I will discuss this with BMO Harris CEO and board of directors.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-20

Clayton, MO

Closing an account

Checking or savings account: Checking account

Company closed your account
Complaint: Attached is the documentation detailing the fees that were charged due to the returned checks. A total of {$120.00} was charged. I am also attaching the letter I received from BMO Harris requesting supporting documentation for reimbursement. I received a letter from BMO Harris dated XX/XX/2018, that it has decided to close my bank account. The letter does not include any explanation why my account will be closed. I received a letter from BMO Harris dated XX/XX/2018, that I confirmed that there was no fraudulent activity and BMO Harris removed the restrictions from my account after my confirmation. In this letter, BMO Harris apologized for restricting my account without me being informed, and requested supporting documentation for fee reimbursement because I was charged {$120.00} due to BMO Harris 's action. Both letters are from the same Fraud Management and Enterprise Authentication department. As the XXXX XXXX letter confirmed, there was no fraudulent activity, and BMO Harris 's mistakes ( Changed my name in the bank file and my account, froze my account without any notification ) caused this situation. As the XXXX XXXX letter came after the XXXX XXXX letter, I would like to ask whether BMO Harris will still close my account even after it learned and confirmed that there was no fraudulent activity. If it will close my account nonetheless, I would like to request an explanation from BMO Harris why it will close my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2018-12-20

Broadview, IL

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-19

Las Vegas, NV

Trouble during payment process

Mortgage: Home equity loan or line of credit (HELOC)

Complaint: BMO Harris has unnecessary borrower authorization practices. The company mandates borrowers to utilize a personal pin in order to speak to their customer service agents. This is the only creditor I have that requires this. If I forget the pin, BMO Harris subsequently requires me to submit a written letter that must be signed and notarized. This results in me spending money for a notary fee and waiting several days for BMO Harris to process my notarized letter. I am on XXXX and it can be difficult for me at times to travel to find a notary. The reason for my call was only to confirm if BMO Harris was in receipt of payoff proceeds from the sale of my house and to ensure they have my correct mailing address. Additionally, I have yet to receive any periodic statement during the time BMO Harris serviced my loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-14

Palos Park, IL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-14

East Troy, WI

Problem with customer service

Money transfer, virtual currency, or money service: Traveler's check or cashier's check

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-10

IN

Struggling to pay your loan

Payday loan, title loan, or personal loan: Personal line of credit

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-07

Zionsville, IN

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2018-12-07

East Troy, WI

Managing an account

Checking or savings account: Other banking product or service

Fee problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2018-12-07

Chicago, IL

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: Every week I have a issue with on line or my atm I am feeling targeted this is my third ATM card and every time I try to check my accounts on line to stay on top of things there is limited access or I have to call in or go in to see some one. What is the point of the on line services if they never work.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-03

Greensburg, KS

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2018-12-03

VA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: Company card w/XXXX XXXX XXXX BMO Harris ) - {$3300.00} Name of Company : XXXX This was a XXXX XXXX XXXX company card. I left this company XX/XX/2018. All expenses were submitted and approved for payment prior to my leaving XXXX. XXXX has not paid this expense. XXXX XXXX XXXX has repeatedly called and harassed me on a daily basis ( sometimes more than 3 times in 1 day ). I have on more than four occasions patiently explained how this was approved prior to my leaving XXXX and XXXX XXXX XXXX should reach out to XXXX. This has now become harassment. I have asked XXXX XXXX XXXX repeatedly to stop calling as I can not help any further. XXXX XXXX XXXX even suggested I pay them ( XXXX XXXX XXXX ) and go after XXXX legally. I should not have to do this. There was one day that XXXX XXXX XXXX called me 11 times! In addition, I was told by one of XXXX XXXX representatives that XXXX has a habit of not properly settling these types of accounts ( when an employee leaves the company ) in a timely fashion. All protocols was appropriately followed by myself with both entities.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-26

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-24

Addison, IL

Trouble during payment process

Mortgage: Home equity loan or line of credit (HELOC)

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-24

Scottsdale, AZ

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: BMO Harris Bank pulled my credit report without my authorization and caused me to have a credit inquiry on my XXXX XXXX credit report. The credit inquiry is fraudulent and unauthorized. I never applied for an auto loan with BMO Harris Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response