BMO HARRIS BANK NATIONAL ASSOCIATION

2018-11-22

Irving, TX

Problem with the payoff process at the end of the 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

2018-11-21

Madison, WI

Problem caused by your funds being low

Checking or savings account: Checking account

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

Timely Response

2018-11-19

Chicago, IL

Managing an account

Checking or savings account: Other banking product or service

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

2018-11-18

Chicago, 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 monetary relief

Timely Response

2018-11-17

Quartzsite, AZ

Opening an account

Checking or savings account: Savings account

Confusing or missing disclosures
Complaint: I called the BMO Harris contact line at XXXX to inquire further about an account I saw advertised on the BMO website at www.bmoharris.com ; their Premier Money Market Account. I did not see a full disclosure of fees for the account. When a representative came on the line, I told her that I was interested in opening a Premier Money Market Account and would like to see the truth-in-savings disclosure to verify fees for such items as minimum balance, number of withdrawals, etc. The agent put me on hold for approximately 5 - 7 minutes, when she came back she told me to look at the website. I informed her in the time that I was on hold, that I found a disclosure at the following address : XXXX XXXX XXXX but that this disclosure contained information many different accounts, but not for the Premier Money Market Account, and that this was a disclosure was required by law, and I would like to see it before opening this type of account. At this point the representative became very upset and said that I should just " go visit a BMO personal banker. '' I told her that I wanted to either speak to a supervisor, because I understood that a truth-in-savings disclosure must be provided if requested. She stated that all phone calls are recorded, her name was XXXX, and hung up the phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-15

Aurora, IL

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-15

Krakow, WI

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Money was taken from your account on the wrong day or for the wrong amount
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

2018-11-13

Chicago, 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 monetary relief

Timely Response

2018-11-07

Chicago, 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 monetary relief

Timely Response

2018-11-03

Bolingbrook, 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 explanation

Timely Response

2018-11-03

Milwaukee, WI

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: BMO Harris is the issuer of my car loan. I've submitted a complaint about them before but I just got off a recorded line with XXXX. I called in at approx XXXX on XX/XX/XXXX. The issue is that they tell customers that they can make a principal only payment to their loans through the website, which they can not. I have had additional interest hit my account because of the false statements and unwillingness to comply with a correction. I've asked for them to go back and adjust every over payment and apply it to principal, instead of simply toward the next payment. A few months ago I spoke with a women who attempted to understand the issue and got caught up in her own lie, I asked for a supervisor to call me. I never heard from them. Compound interest is a powerful thing. Especially when used against people who don't understand it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-26

Saint Paul, MN

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: Three accounts opened online in XX/XX/2018 with {$1000.00} each for a total of {$3000.00}. BMO has frozen accounts and continues to charge {$7.00} in fees per month while I have no access to my funds. Multiple 30 minute phone calls with BMO customer service and no resolution. Advised to call 'XXXX XXXX. ' in fraud department, called and left message with my call not returned. Received email asking for documents to proof identity, returned email with all requested documents in a timely manner. No response. Went into branch on XX/XX/18 to verify identity and resolve but the branch was also unable to unfreeze my account and refused to refund the fees that continued to accrue. Asked if I could just close my accounts and get back my {$3000.00} deposit but was told the {$14.00} in fees will not be returned. Unacceptable to freeze account, charge fees and refuse to unfreeze account even after identity verification completed in branch.
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

2018-10-24

Chicago, IL

Managing an account

Checking or savings account: Checking account

Cashing a check
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

2018-10-23

Chicago, IL

Managing an account

Checking or savings account: Checking account

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

2018-10-22

IL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: To whom it may concern : I have been trying to work with BMO Harris Bank Mortgage Dept. and Illinois Hardest Hit Program for about I year now. My Rep is XXXX XXXX of the XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL.XXXX email : XXXX XXXX XXXX, XXXX Fax # XXXX XXXX has been assisting me with my mortgage lender to either have the lender refinance our mortgage or have assistance paying the mortgage. The HHF has approved us but the lender has not. We have acquired very high medical bills due to illness and really need this help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-21

Gages Lake, IL

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-21

Reeds, MO

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: I opened a checking account with BMO Harris Bank and opted in to " overdraft protection '' however after several attempts and even causing me to be stranded they will NOT allow me to overdraft account for purchases or via atm such as other banks do up to a certain amount with fees for the overdraft BMO Harris refuses to allow my account to overdraft and I was stranded one time also BMO Harris bank promised to provide a {$200.00} just for opening an account in 90 days however did not do so and even promised {$50.00} for enrollment into paperless statements and refuse to do so they need investigated for false advertisement I was never told by Branch Manager in XXXX Ks for the {$200.00} u must have {$600.00} in deposits each month for the {$200.00} reward bonus until I called BmO bank customer service and learned that they are a XXXX bank I encourage anyone reading this to utilize another bank!!! Shame on 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

2018-10-12

Tucson, AZ

Written notification about debt

Debt collection: Mortgage debt

Didn't receive enough information to verify debt
Complaint: BMO Harris Bank refused to disclosure of 1st position balance to a XXXX XXXX, subordinate lien holder for the property at XXXX XXXX XXXX XXXX XXXX XXXX for the borrower XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-11

Quartzsite, AZ

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: On XX/XX/2018 BMO Harries bank charged me an overdraft fee of {$36.00} dollars after I had deposited money to cover the overdraft that occurred on XX/XX/2018. On XX/XX/2018 an automatic charge from XXXX in the amount of {$10.00} was charged to my account which had {$1.00} at the time, causing me to go into negative {$8.00}. This occurred some time in the afternoon and the bank has a cut off time of XXXX local. The next day in the morning when I checked my account I was made aware of this situation, which I promptly remedied by depositing money into the account to cover the overdraft, at this time the bank did not apply the overdraft fee, which means the account was only in negative by {$8.00} when I deposited the funds to cover the overdraft. Later that day the bank charged me the {$36.00} dollars for the overdraft even thou I had remedied the issue hours before. I was not given any notice by the bank that my account had been overdrawn nor prior to me checking the account myself. There reasoning is that because I didn't not deposit money the day the overdraft occurred, the XXXX of XXXX, and it is now the XXXX of XXXX they will not remove the charge. This is only one of the shady practices that this bank deals in. A month before they charged me over {$100.00} dollars in late fees because they forced a service charge thru before my purchases causing me to overdraft even thou when I made the purchase I had money in the account to cover the purchased items. I believe that this is blatant ripping off of customers since not even a full day had passed before I deposited money to cover the overdraft, the bank had not even charged me the overdraft fee when I deposited the money to cover it. This has occurred on many occasions and when ever I call to right the wrong they give me different reasonings and excuses of why they can not help. After some internet searches I came across several lawsuits against BMO Harries bank for these practices that they were fined for and lost cases. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-10

Palos Park, IL

Trouble during payment process

Mortgage: Other type of mortgage

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

Timely Response

2018-10-05

Anthem, AZ

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
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

2018-10-04

Sun Prairie, WI

Trouble during payment process

Mortgage: Conventional home mortgage

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

Timely Response

2018-09-28

IL

Trouble during payment process

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

Complaint: In XX/XX/XXXX our HELOC that we have with Harris Bank matured/came due. I contacted Harris the prior summer to find out what my options were as I did not think I would be able to refinance. I explained that when the economy crashed, my husband was laid off from his job as a XXXX XXXX making $ XXXX. Since it took so long for the economy to recover, he had to make a career change and became a XXXX. He want from making $ XXXX to a first years XXXX salary of $ XXXX. It took him 9 months to find a job. During the same time frame, I was in a horrible car accident and had a lot of medical bills as a result. We were referred to the Loss Mitigation Dept. at Harris and put in touch with XXXX XXXX XXXX. XXXX as so helpful, kind, and compassionate. We were offered a 6 month Stipulation plan and had to pay {$260.00} each month. We were told that if we make these payments on time that Harris would be able to help us work towards a permanent solution. As promised, XXXX contact us after we made 5 payments. I faxed her the paperwork she requested. A few days later XXXX contacted me apologizing stating that she could no longer assist us because our loan was now being handled in a different department and our HELOC was being charged off. When I inquired why this was happening, XXXX was not sure and confirmed that I had made all of our payments on time. That same day I contacted the department that was now handling my HELOC. They told me that my only option is to put this loan into a 5 year loan and make payments of {$1400.00} a month. I explained to her that I can not afford that high of a payment. She told me this was my only option. She told me I could make lower payments if I wanted but that would not guarantee that Harris would not pursue legal action/foreclosure on my house. I dont feel what happened here is ethical. We followed our end of the agreement on the good faith that Harris was working with us and that they would follow their end of the agreement. See below a copy of the email I received letting me know about the Stipulation Plan. Email from Harris regarding Stipulation plan. I copied it onto this document. I am happy to forward the original email. I do not have the contract/paperwork I signed on email, but Harris should have a copies of that paperwork. Email dated : XX/XX/XXXX : Hi-Management has approved you for a 6 month stipulation plan. 1st payment due on XX/XX/XXXX. Amount is {$260.00}. The 6 month plan is temporary to allow you time to improve your debt to income. Once you make your 5th payment, we will send you another package to get updated information in the hopes that things have improved so we can get you into a long term solution. Please call or email with questions/acceptance. If you accept, my closer will send you a letter with the payment due date and amount. Thanks. XXXX ( I included the copy of this email here because every time I tried to attach it below I lost everything I had typed. )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-09-27

Phoenix, AZ

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-09-25

Oakbrook Ter, IL

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