BMO HARRIS BANK NATIONAL ASSOCIATION
Consumer Complaints
There are over 1624 complaints on file for BMO HARRIS BANK NATIONAL ASSOCIATION. Dated between 2019-12-04 and 2011-12-08.
Complaints Page 13
2018-08-13
De Soto, MO
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with fees charged
Complaint: REFERENCE COMPLAINT XXXX AND COMPLAINT XXXX Additional questions : 1 ) letter dated XX/XX/XXXX states vehicle was placed for sale after repairs were done in XX/XX/XXXX ... ..invoices show repairs done in XXXX ... .which is correct.
2 ) repairs show a windshield being replaced ... .when was windshield damaged as it was not in need of repair at the time the vehicle was surrendered.
3 ) you did not have a POA to sign off of the title. How was title signed off? IF, you state that a POA was provided in the contract, please specify paragragh and line providing for that.
4 ) On the XXXX form issued in the calendar year XXXX, you state that the value of the vehicle was approx. 92k yet in the same year you value the vehicle at XXXX. Please clarify how you can ... .in the same year ... provide 2 different values on the same vehicle. Please explain ... for IRS purposes the difference in these figures.
5 ) was the XXXX issued actually filed with IRS, I have been told both yes it was and no it was for my information only.
6 ) since the vehicle sold for more then the loan amount, why was an interest statement not issued to me for XXXX as the proceeds of the sale covered those charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-08-08
Baraboo, WI
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
2018-08-08
Struggling to pay mortgage
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
2018-08-08
Oldsmar, FL
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Didn't receive advertised or promotional terms
Complaint: I opened BMO Harris Premium Rewards credit card on XX/XX/18.
It was advertised that I was supposed to get XXXX points ( {$300.00} value ) after spending {$2500.00} within first 3 months. I have met that requirement, but never received this bonus.
When I contacted the bank they closed my card for no reason and responded that I couldn't get bonus because my card was closed. I have not violated any rules and met the bonus requirement, so I consider their decision a violation of their advertisement. I suspect they closed my card simply to avoid the bonus payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2018-08-07
Hamburg, MN
Opening an account
Checking or savings account: Other banking product or service
Confusing or missing disclosures
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-08-07
Lannon, WI
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Can't stop withdrawals from 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
2018-08-06
East Troy, WI
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 explanation
2018-08-06
Long Island City, NY
Opening an account
Checking or savings account: Checking account
Didn't receive terms that were advertised
Complaint: I opened an account with BMO Harris on XX/XX/2017. I opened the account online, and used a code " XXXX '' to earn a {$200.00} account opening bonus. The account was opened with seemingly no issues, and even issued me my account number. I did all the activities I was supposed to do to qualify for the account bonus. I called a few months later to find out why i have not yet gotten the bonus, and a rep told me to wait up to 6 months. I did, and called back. This time, I was told I don't qualify, because I'm not in their retail footprint.
If I'm not qualified, then why did the system accept my bonus code, and issue me an account number? Where on their website did the company state that this offer and code is for consumers within their retail footprint, and how is their retail footprint defined? If I put in a code that I don't qualify for a deal for on XXXX or any other website, the code rejects - in this case, my zip code should have alerted BMO, and the code should not have been accepted, nor the account opened under the pretense that I will be getting a bonus. The fact remains that the code went through, and the account was opened. This is a systemic failure on the part of BMO Harris ' IT department, and is a bait and switch tactic to get people to open accounts they don't qualify for.
I am demanding that BMO Harris honor their offer and credit my account the {$200.00} bonus. I have called numerous times, and the various individuals I speak to, most recently a XXXX in the online banking call center, refuse to escalate this matter, and furthermore refusing to provide me the number to the executive office to formally complain to someone that actually cares.
I intend to further file a formal complaint with the CFPB for abusive advertising practices, and non-disclosure of terms when opening an account online for promos.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-08-02
Oconomowoc, WI
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I am trying to sell a property ( vacant lot ) that had the mortgage paid off to BMO/Harris seven years ago who acquired the loan when XXXX XXXX failed in 2010. The loan was paid in full seven years ago, and a satisfaction of mortgage was filed, however there is a modification of mortgage still on the title which was missed by the lender and I have been unable to sell the property.
I've sent numerous requests to BMO regarding the title issue and also Consumer Mortgage Release Requests on their form along with full title search details, and the company will not respond. I have been trying to clear this up since XXXX and it is causing great financial hardship.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2018-08-01
Mill Creek, IN
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Information is incorrect
Complaint: So back on XX/XX/2017 I applied for a bank account at the bmo harris online, I was approved, I never got the chance to bring in my signature card and deposit on time so the account was closed.I called and was informed I had reapply application again but now this time I was denied in which i found odd.I then come to find out that BMO Harris reported me to check systems for fraud.on XX/XX/2017.
They have wrongfully put this on my consumer report and I want it off, I have never been reported for fraud.I consider this damaging to my reputation by libel.I am a XXXX worker for over 26yrs for a XXXX XXXX I have been a making a difference on published website, University XXXX XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-07-31
De Pere, WI
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
2018-07-30
Chicago, IL
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Complaint: This bank has continued to have horrible customer service through the phone as well as in the branch. Going into the location in XXXX on XXXX XXXX XXXX was horrific. I came into the bank after speaking to c.s. about applying for a credit loan and opening a savings account when i got to the bank the banker was very nasty and yelled at me for listening to the lady on the phone because she didn't know what she was talking about. Furthermore going into the bank the teller told me the cash advance machine was down and the banker and teller both bombarded me saying i should have called the bank before i showed up and thats the problem with people who jist come to the bank and dont call first and call the XXXX number. Further Customer service issues have occurred due to poor communication skills and bad information given. Lately its juat got to the point its a yelling match and often im just cursing and ready to close my account. I am so tired of being told one thing on the phone then something else in branch.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-07-26
Chicago, IL
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Transaction was not authorized
Complaint: Received a email my account is in overdraft for XXXX you can not withdraw a XXXX from you account have not been using my card to order any thing lately and I went into the bank to withdraw this month with this technology and online management is becoming a nuisances and a avenue to abuse and charge customers erroroansly. I dont want to thing my bank or the products I use are scamming my account had to replace my card recently because of uber charges adjusting to the account at XXXX XXXX. Please same thing happen to my XXXX money card I feel like I am being discriminated against.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-07-26
Brookfield, 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
2018-07-23
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
2018-07-19
Benton Harbor, MI
Managing an account
Checking or savings account: Other banking product or service
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
2018-07-18
WI
Managing the loan or lease
Vehicle loan or lease: Loan
Loan sold or transferred to another company
Complaint: I purchased a new vehicle and secured a loan through BMO Harris Bank. I was making payments to them, however when I was overseas on XXXX I found out that my loan had been sold to XXXX XXXX XXXX. I only found out that my loan had been sold while trying to make a payment on a sat phone in XX/XX/2016 in the middle of XXXX. I never received a disclosure from BMO Harris or XXXX XXXX. A customer service representative gave me a phone number to call and, thankfully, I was able to make a payment without a late payment, however I was BEHIND by one month. No one tried to call me, email me, or contact me via mail before or after the effective date of transfer, which I still don't even know.
XXXX XXXX XXXX seems like a scam company also. Terrible reviews from people who have had their auto loan sold by different banks. They have 100 % negative reviews on the XXXX website. As far as I can tell they have no website either, probably so people miss payments and they can charge late fees. Trying to find contact information for XXXX XXXX XXXX took hours. This is how not to run a business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-07-17
Milwaukee, WI
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 explanation
2018-07-17
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Confusing or misleading advertising about the credit card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-07-11
Managing an account
Checking or savings account: Checking account
Problem making or receiving payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-07-11
Chicago, 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
Complaint: I recognized that XXXX XXXX submitted 16 unauthorized inquiries on my credit report on XX/XX/2018.
BMO Harris was one of the companies that was solicited.
I contacted XXXX XXXX and spoke with XXXX, who identified himself as the Manager.
He refused to help.
It is very unfair that they did that. It lowered my credit score by 200 points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-07-11
Madison, WI
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
2018-07-10
Southern Pnes, NC
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: XX/XX/XXXX Dear Consumer Finance Protection Bureau : I need help with a lien on my home which should not be on there.
In XX/XX/XXXX, I had financed a 2nd mortgage from XXXX XXXX XXXX for {$10000.00}. Then, XX/XX/XXXX XXXX XXXX release my lien before transferring my loan to XXXXXXXX XXXX XXXX. Then, XXXX XXXX XXXX XXXX transferred my loan to XXXX XXXX XXXX. But did not release the lein before switching to XXXXXXXX XXXX XXXX. Which I had paid off in XXXX. In XXXX, I moved to XXXX for personnel reasons. Before I moved I made sure to satify all my loan obligations. I lived in XXXX for eight years. I was still making my mortgage payment. I had my brother staying in my home while I was gone. I was working XXXX XXXX XXXX XXXX contracting for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Then, President Obama changed the tax laws, really hurt our company with high taxes for small business. We had to go out of business.
I had to moved back home to XXXX, XXXX. I had no luck finding a job in XXXX. I almost lost my home. I researched my options. I heard about XXXX County Action Plan. They seen I had a lein on my home by XXXXXXXX XXXX XXXX.
XXXX County Action Plan, also known as XXXX XXXX Housing Finance Agency, XXXX County Legal Aid and I investigated my sitaution. We found out that XXXX XXXX XXXX was taken over by BM Harris Bank. XXXX XXXX XXXX does not exist anymore.
I contacted BM Harris Bank and spoke with XXXX XXXX the person in charge of that department. Mr. XXXX look into the matter for us. He did not see any outstanding balance or anything against my named. XXXX spoke with Mr. XXXX and was satify with his investigation. XXXX put me in the program. XXXX Housing Finance Agency helped me by paying my mortgage payments for 18 months. This program was XXXX Blessed. XXXX would not have helped me, if they thought this was not cleared. I thought this matter with the lein was taken care of and the lein was lifted.
In XX/XX/XXXX, I look in to refinance my home to get a lower interest rate with XXXX XXXX XXXX XXXX. Everything was good until the issue of this lein came up again. XXXX XXXX XXXX XXXX put their legal team on this matter. But the same thing is happening again. XXXX XXXX XXXX closed on the lein, XXXX XXXX closed to the lein. But XXXX XXXX XXXX did not sign off on the lein. Which XXXX XXXX took over the mortgage from XXXX XXXX XXXX. So, XXXX XXXX XXXX should have signed off on the lein before XXXX XXXX took over.
I tried to contact XXXX XXXX again, but he was promoted to a different position and location. No one at BM Harris has no idea how to solve this issue. So, I was referred to consumerfinance.gov by XXXX. They think you all can help me to clear this lein. You are my only hope to lift the lein and last option.
Please help me with this, I gratefully appreciate anything your organization can do to clear this lein off my property.
I also included the letter from the XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX. Which details the investigation the firm did.
Sincerely, Hopeful
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2018-07-09
Spring Hill, FL
Closing an account
Checking or savings account: CD (Certificate of Deposit)
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
2018-07-06
Milwaukee, WI
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