BMO HARRIS BANK NATIONAL ASSOCIATION

2018-06-04

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

2018-06-04

Northside, NC

Incorrect information on your report

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

Account information incorrect
Complaint: In XX/XX/XXXX, we filed a complaint against BMO Harris Bank because they were reporting incorrect information on our credit report. They responded to our complaint on XX/XX/XXXX, stating they were going to fix the situation. As of today ( XX/XX/XXXX ), they are still reporting the inaccurate information on our credit file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-31

Wonder Lake, IL

Incorrect information on your report

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

Account information incorrect
Complaint: Re : BMO Harris Bank. I originally had a HELOC line of credit on my condo in XXXX, IL. That property was sold in XX/XX/XXXX and the balance on the HELOC was {$0.00}. The HELOC was never closed by BMO Harris but they did encourage me to use the HELOC after the property closed. I utilized some of that money. The open line of credit was {$95000.00}, I utilized approximately {$65000.00} and paid down that amount. I needed extra time to pay it off, wrote a letter to XXXX XXXX, the CEO of BMO Harris and never received a reply. They submitted my account as delinquent, as there was NO ASSET, no longer any real estate to tie the HELOC to. I continued to pay down the {$65000.00} amount every month. After years of my making monthly past due payments, there was still a balance due of {$9300.00} which was written off by BMO Harris in XX/XX/XXXX. BMO Harris continues to show on my credit report that {$47000.00} was written off which is TOTALLY NOT CORRECT. The total amount written off is {$9300.00}. PLEASE CORRECT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-31

Blaine, MN

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft 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

2018-05-31

Campton Hills, 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 monetary relief

Timely Response

2018-05-30

Arnott, WI

Managing an account

Checking or savings account: CD (Certificate of Deposit)

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

2018-05-29

Milwaukee, WI

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft 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

2018-05-28

Viewfield, SD

Managing the loan or lease

Vehicle loan or lease: Loan

Billing 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

2018-05-26

Dallas, TX

Closing your account

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

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

2018-05-25

Chicago, 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

2018-05-24

Park Ridge, 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 monetary relief

Timely Response

2018-05-24

NV

Problem with a purchase shown on your statement

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

Card was charged for something you did not purchase with the card
Complaint: I WAS CHARGED FOR SOMETHING I DID NOT AUTHORIZE AND I NEVER DID BUSINESS WITH THIS COMPANY.. I CALLED XXXX XXXX XXXX XXXX BACK IN XX/XX/XXXX WHEN CHARGE WAS ON MY STATEMENTS TO REPORT FRAUD WELL I NEVER RECIEVED THE CREDIT BACK FROM THEM, SO I CALLED THEM AGAIN THIS YEAR AND THEY ARE NOW TELLING ME THAT I NEVER FILED FRAUD WITH THEM ... I TOLD THEM I DID BACK IN XX/XX/XXXX AND I WANT MY MONEY BACK. THE REP TOLD ME THAT IT WAS TOO LATE AND THEY CAN ONLY GO BACK 30 DAYS I ASKED FOR A MANAGER SO MANAGER XXXX CAME ON AND TOLD ME I ONLY HAD 60 DAYS TO REPORT I TOLD HER I REPORTED IT BACK WHEN IT HAPPEN AND SHE SAID I DIDNT ... THIS IS SENIOR CITIZEN ABUSE AND THEY SHOULD BACK ME AS A CLIENT.. PLEASE HELP ME GET MY MONEY BACK I AM LIVING ON A FIXED INCOME. I WILL LIST THE CHARGE FOR YOU XX/XX/XXXX HELP FOR TIMESHARE BUT IT WAS UNDER ANOTHER NAME TOO SOMETHING XXXX.. FOR XXXX ON MY XXXX XXXX. PLEASE HELP ME GET MY MONEY BACK
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-24

Lake Windsor, 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

Timely Response

2018-05-22

Buffalo Grove, IL

Struggling to pay mortgage

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

2018-05-21

Flushing, NY

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

2018-05-17

Branch, MN

Attempts to collect debt not owed

Debt collection: Mortgage debt

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

Timely Response

2018-05-16

Cottage Grove, MN

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft 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

2018-05-14

East Troy, WI

Closing an account

Checking or savings account: Checking account

Company closed your account
Complaint: On XX/XX/XXXX, I opened an account at the BMO Harris Branch in XXXX XXXX, WI. I had received a {$300.00} bonus offer from BMO Harris, and I opened my account and presented the bonus offer that I had received ( see attached bonus offer ). I completed all of the requirements of the bonus offer. My opening deposit was above the minimum of {$25.00}. I made 2 direct deposits of at least {$500.00} within 90 days of opening my account. I made at least 10 debit card purchases within 90 days of opening my account ( see attached statements ). On XX/XX/XXXX, I noticed that my account had been closed without my action. I received no notice that my account would be closed. I believe BMO did this to avoid paying me the account opening bonus. When I inquired about this in an online chat ( see attached chat transcript ), I was told that my account was closed because there was no activity for 45 days. When I asked where it said that accounts would be closed after 45 days of inactivity, I was told that it was part of the deposit agreement. I responded that the deposit agreement ( see attached deposit agreement ) made no such statement. I believe that BMO Harris closed my account solely to avoid the payment of the {$300.00} bonus offer. In all my years of banking, I've never had an account closed after having a {$0.00} balance for just 45 days, especially without warning. In fact, to the contrary, I've had to follow-up myself to close accounts that have had XXXX balances for 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

2018-05-11

Ft Lauderdale, FL

Opening an account

Checking or savings account: Savings account

Didn't receive terms that were advertised
Complaint: BMO Harris Bank seems to have the practice of promising bonuses they have no intention to honor. In this case, they offer a small bonus [ {$50.00} ] for opening a savings account with them by XX/XX/XXXX. I opened such account on XX/XX/XXXX, with {$1000.00} and have kept that money in the account to this day. Five months later, they haven't honored it yet I have received, though, XXXX CENTS in interest rate during this period of time. But, no bonus.
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

2018-05-11

Bonaventure, FL

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: BMO Harris promised a {$200.00} new checking account bonus in exchange for a few requirements. They were all fulfilled, including receiving direct deposits from my employer 's brokerage account. The deposits required, at the time, were of {$300.00}, the ones I received were above {$500.00}. Nevertheless, I have received no bonus, yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-05

Palos Park, IL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I filed for bankruptcy in XX/XX/XXXX ... ever since then its been very difficult to contact BMO Harris Bank N.A., and make a payment on my mortgage. I have tried on more than one occasion to either visit or call a local branch XXXX XXXX, IL and XXXX XXXX, IL to be specific, but the minute they see bankruptcy on my mortgage I am told they can not assist me in answering any questions and inter office my payment is all they can do for me. So I began calling in my monthly payments to the Banks bankruptcy department XXXX XXXX XXXX XXXX option # 2 and the following has occurred : 1. ) I have to call multiple times to get a live representative on the phone 2. ) Often my hold time is over 30 minutes ... just to make a payment 3. ) Once, the bankruptcy representative asked me several times why my payment was late and then apologized over and over for asking the same repetitive question about late payments and blamed it on himself because he was new to the job 4. ) I also have a Home Equity Loan with the BMO Harris Bank N.A., for which I called their Bankruptcy Dept ( repeatedly ) inquiring about possibly consolidating my first and second mortgage ... the Representative whispered and told me I was better off going to another bank because BMO Harris Bank was not going to help me combine the two. 5. ). I called on another occasion and spoke to yet another Representative from BMO Harris Banks bankruptcy department and asked her if she knew what I had to do in order to consolidate the 1st and 2nd mortgage? She told me I should call the Branch..I explained to her and told her I had left messages for the mortgage representative at the XXXX XXXX branch several days before but the I had not received a call back. Her response was Pfff, probably because they know youre not going to get approved. I said excuse me ... you do know that you can not discourage someone from applying for a loan ... and she immediately began back peddling. 6. ) Often I have questions regarding my escrow ( included in my mortgage payment ) and Im told to leave a message ... twice I waited for over 2 weeks to get a call back. By the time I received a call back I had forgotten what I called for. 7. ). When calling the Bankruptcy department, if I ask them questions about my mortgage including payment information, Im repeatedly told they dont have that information and Im pretty much in my own ... well who can answer my questions then? 8. ) Today XX/XX/XXXX, I called to make a payment and called more than 9 times and left 2 voicemail messages because no one was picking up in the bankruptcy department or returning messages. So I entered option # 1 for the Probate Department, hoping someone would take my payment ... someone anyone. I spoke to a nice lady by the name of XXXX. She told there was nothing she could do for me other than direct me to hang up and call again and leave a voicemail for the Bankruptcy department. After waiting for a call back I called back and once again selected option # 1 for the Probate Department hoping to speak to a live representative and XXXX picks up again and stated she had brought my first phone call conversation to her direct manager and was told theres nothing they could do in the Probate Department and could not take a payment from me and that I had to go directly through the Bankruptcy department. I then told her I had it! ... I asked if she could give me the address to where I could mail my payments being that the branch would not assist me and calling in my payments is time consuming where Im constantly having to call over and over and leave messages to no avail. I told her I was going to report BMO Harris Bank to the CFPB and she immediately said hold on let me get a hold of someone in the bankruptcy department to call you right back. Really thats what it had to take to get someone to take my payment?!? Within 6 minutes I got a call from XXXX from the bankruptcy department who took my payment over the phone. Why is this such a grueling process ... every month? 9. ) I recently changed homeowners insurance companies and called to inquire about the claus I needed the claus information to provide it to my new insurance carrier. After 6 calls, 4 different representatives and 3 days later I called once more and was told just fax it to us well get to the right place ... .this is truly disappointing and exhausting. Doesnt anyone have this information? Or is it because I filed for bankruptcy that Im treated with less respect? 10. ) I was finally put in touch with a representative concerning combining the 1st and 2nd mortgages about 6 months ago ... .for which he explained to me that BMO Harris does not take loans ( for which a client has filed for bankruptcy ) and combine them. It was against regulation/policy ... and was further adviser I was better off going to another mortgage company to seek financing ... because BMO Harris Bank could not accommodate me and neither could a mortgage representative from one of their branches. 11. ). There has been 1 single individual who has offered to help me and gave me permission to ask for her whenever I called after explaining some of the service I had encountered with attempting to make my mortgage payments. Her name is XXXX, unfortunately I could not get a live representative today no matter how many times I called and left messages until I told the representative I was going to submit a complaint. I would appreciate an explanation for the poor service and lack of employee knowledge and empathy. 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

2018-05-03

Las Vegas, NV

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

2018-05-03

Janesville, WI

Closing an account

Checking or savings account: Savings account

Company closed 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

2018-05-02

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

2018-05-02

Wascott, WI

Incorrect information on your report

Vehicle loan or lease: Loan

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