BMO HARRIS BANK NATIONAL ASSOCIATION

2018-07-05

Itasca, IL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: Failure to honor US currency. I attempted to deposit a number of coins into my Harris Bank checking account. The clerk and bank manager stated they would not accept coins unless there were first rolled and refused to take my coins as a deposit. My wife works for a XXXX XXXX XXXX and does lose coin deposits all the time without rolling coins. A bank refusal to accept US loss coin currency from the public ( but does so for business ) is a direct violation of Federal Banking law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-03

Shindler, SD

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

2018-06-30

Wonder Lake, IL

Closing an account

Checking or savings account: Other banking product or service

Funds not received from closed account
Complaint: Tried to change account involving XXXX XXXX. As of today XX/XX/2018 no monies that are held have been transferred into my business, since mid, XX/XX/2018. Having made numerous phone call filling out duplicate XXXX forms. Two days ago I spoke with branch mgr to no avail. He was given same runaround. XXXX, XXXX & XXXX are all involved. My monies are being held in " limbo '' as one person stated. Evert time I call I speak to a new person. It appears they haven't a clue and to think of all the money that goes through these people it amazing as to the obvious incompetence. Amount they are holdind is approximately {$5500.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-26

Milwaukee, WI

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: On the Morning of XX/XX/XXXX my Debit Card was fraudulently used by someone at multiple locations for a total of 7 times and a total of {$840.00} + {$9.00} in fees. I received a notice from BMO Harris stating that my card was compromised. I called the bank to confirm everything and start a fraud claim. After one day they approved one of my claims and paid me back a total of {$380.00}. After a week and a half of waiting I received a letter stating that they where denying the rest of my claims. They are saying that the physical card was used for the transactions so they are denying the claims, and that the first one was a mistake and they should have not paid that out. I have been in control of the card the whole time and was at home a sleep at the time of the alleged charges. Looking
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-26

Schaumburg, IL

Incorrect information on your report

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

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

Timely Response

2018-06-26

De Soto, MO

False statements or representation

Debt collection: Auto debt

Attempted to collect wrong amount
Complaint: Reference previous Complaint number : XXXX I was not given complete and accurate information of the following issues : 1 ) What date was the equipment actually taken to auction? 2 ) Please provide copies, cost, and any other information regarding all advertising for sale. 3 ) Since I was never informed that the equipment did not sale at auction on XX/XX/2017 ( date I was given for the auction ) .please provide date and proof of sale. 4 ) When was repo title applied for and obtained. Please provide a copy of the repo title. 5 ) Since there were no mechanical issue with the truck at the time it was returned, exactly what repairs were deemed necessary? Please provide original receipts for all repairs done to the equipment 6 ) If body work was done to the equipment, please provide original receipts of repairs as well as before and after photos. 7 ) Please thoroughly explain how you calculated the amounts given on form 1099A. 8 ) Please justify yourself in selling a piece of equipment valued in excess of {$160000.00} for {$120000.00} NOTE : Since I am being asked to pay a balance you show of approximately {$8500.00}, I feel I am well within my rights to ask for proof of any and all monetary expenses incurred after the equipment was returned to BMO 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

2018-06-21

Lannon, WI

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 explanation

Timely Response

2018-06-21

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 explanation

Timely Response

2018-06-21

Bradenton, FL

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

2018-06-20

PA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: BMO Harris failed to disclose all the requirements of their XXXX mortgage program during the application and pre-approval stages and continued to misrepresent our options and solutions during processing and underwriting resulting in delay in closing and failure to perform. We began initial discussions with mortgage banker XXXX XXXX in XX/XX/XXXX and were pre-approved prior to going under contract for a home on XX/XX/XXXX. The status of our employment ( starting new jobs in a new state ) was made clear to both XXXX XXXX and XXXX XXXX ( new loan officer who took over our account from XXXX XXXX ). We were never told that the contingencies contained within our offers letters and contracts, which were provided during this phase, would be required to be met prior to closing. As is standard in XXXX contracts, we had contingencies including state licensure, XXXX credentialing, as well as other employer specific requirements. While we had been working to meet these contingencies, including by having submitted all documentation required on our behalf, the remainder of the contingencies could not be met until governing boards had completed their process. If we had been properly informed of the mortgage program requirements, we would not have staked the closing of our house on these contingencies which were out of our control. We were first made aware of these requirements when we received our conditional loan approval on XX/XX/XXXX. We contacted our processor and submitted letters from our future employers ' HR departments stating that we had completed our portion of these contingencies and we were on track to starting on our anticipated start dates. After submission of this documentation we were unable to get answers from BMO employees in either processing or loan officers on where the status of our loan stood. In fact, our loan officers did not return several calls and emails until we contacted his supervisor XXXX XXXX on XX/XX/XXXX. At that time we were told that they were working with underwriting where it had been escalated to the level of the U.S. director of underwriting. XXXX XXXX told us that the decision was made to allow a verbal verification of our future employment in lieu of meeting contingencies for both of us. He told us that he was 95 % certain that it would go through and if we were able to get our processor in contact with our employers that it would not be a concern. We helped to facilitate the contact with our future employers with our loan processor. I remained in contact with our processor every few days to ensure they did not need any further documentation and that everything was on track for our closing date of XX/XX/XXXX. I received multiple reassurances that indeed they had all documentation and that the decision made by the head of underwriting could not be overruled. As of XX/XX/XXXX this continued to be the message. When I called again on XX/XX/XXXX, I was unable to reach the processor despite multiple attempts. I called multiple times again on XX/XX/XXXX as we should have been receiving our closing disclosure and was unable to get a return call or email from either the processor or loan officer. We again escalated this to XXXX XXXX who text us that evening that there were problems with the contingencies but he could not discuss them with us at that time and that we needed to call the processing supervisor XXXX XXXX. As it was after business hours we called, left a voicemail and emailed but could not get in contact until the morning of XX/XX/XXXX when we were told that we would not be closing on time. We worked with XXXX over the next several days to attempt to get documentation from our future employers as we were then told we could close by XX/XX/XXXX. I reviewed the remaining steps and timeline required for closing with XXXX however this process changed as time went along and despite meeting certain approvals would then require additional documentation and start the approval process over. On XX/XX/XXXX, XXXX stopped returning my calls. That night after business hours I received a call from XXXX XXXX that they would not close our mortgage until our XXXX credentialing had been complete ( which would be later than XX/XX/XXXX ). Had they been clear from the start or even at the point that we raised questions about these requirements we would have had adequate time to find another lender who understood XXXX contracts and employment. In addition to their misrepresentation of their program, their customer service was deplorable. Not only did they not answer or return calls and emails but we were spoken to with such disrespect. We provided all requested documentation promptly and gave them extra time beyond the contracted closing date in order to close this loan. Their actions were not of a bank trying to earn our business, but instead trying to prevent us from using another lender.
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

2018-06-20

Melbourne, FL

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

2018-06-20

Chandler, AZ

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

2018-06-20

Bartlett, 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

2018-06-20

Chicago, IL

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

2018-06-19

Janesville, 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

2018-06-13

Wisc Dells, WI

Applying for a mortgage or refinancing an existing mortgage

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

2018-06-12

Adelphi, MD

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

Timely Response

2018-06-12

Chicago, 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

2018-06-11

Northside, NC

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: We had a home that was foreclosed on back in XX/XX/2012, and we are no longer in possession of the home. To this day, BMO Harris is still calling our son, XXXX XXXX, and leaving messages on his voice mail about collecting monies owed on this debt. Our son was not involved in the financing of this home in any way, and has nothing to do with this mortgage. It is illegal for them to be contacting him about this debt. We never gave BMO Harris his name or phone number as a contact. It is completely illegal what they are doing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-11

Wonder Lake, IL

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: Hello The bank that i am complaining about is BMO Harris. Well at the starting of the month of XX/XX/XXXX my younger brother Who lives in XXXX asked me for some money. For which I called the bank and asked them on how can I send him the money to which they told me the online bill method can be applied to send him the money The process is simply one needs to put in the address and name of the individual and the bank shall send that person the check on the prescribed address. Well, I did the same wrote him a check on XX/XX/XXXX. My brother never received the check as he was continuously in touch with me. on XX/XX/XXXX while i was checking my bank account I realised that the check was cashed by someone. I called my brother and enquired whether he has received the check and cashed it to which his reply was negative. I called the bank and told them to which the replied somebody did cash it. I told them it is fraud someone else cashed it. The bank told me to come into the branch on Monday t file a complaint whereas they will place a hold on the account. On Monday ( XX/XX/XXXX ) as I went to the bank where i met XXXX XXXX XXXX who happens to be a Personal Banker at BMO Harris Located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. She asked me to fill up an affidavit and get it signed it by my brother and also asked me to get a police number which I did from the XXXX police department. An affidavit was filled, Signed and Notarized and submitted to XXXX XXXX XXXX which she submitted to the bank. It has been almost three months now there has no development to as per my knowledge I applied for provisional credit which was also declined by the bank. I applied for provisional credit which was also declined. I am lodging a formal complaint against the bank as the Money is FDIC insured yet there has been no sort of reimbursement from the 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

2018-06-08

Bradenton, FL

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 explanation

Timely Response

2018-06-07

Palmetto, FL

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

2018-06-07

Saint Louis, MO

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

2018-06-05

Park Ridge, 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

2018-06-05

Glendale, AZ

Problem caused by your funds being low

Checking or savings account: Other banking product or service

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 monetary relief

Timely Response