BMO HARRIS BANK NATIONAL ASSOCIATION

2018-01-19

Schaumburg, IL

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 monetary relief

Timely Response

2018-01-18

Louisville, CO

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Complaint: Closed my checking account with {$290.00}, as well as a savings account, in account on XXXX XXXX, 2017 over eChat. Never received my funds from either account. Contacted BMO Harris over the course of the past 3 months almost every 2 weeks via phone and echat. Finally got a resolution on my savings and was emailed a stop payment form which I faxed back and received a re-issued check in the mail. Have attempted numerous times to get the same resolution for my checking 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

2018-01-18

Austin, TX

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

2018-01-17

Closing on a 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 monetary relief

Timely Response

2018-01-09

Chapel Hill, NC

Closing an account

Checking or savings account: Savings 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

2018-01-06

Shalimar, FL

Closing an account

Checking or savings account: Checking account

Company closed your account
Complaint: I opened a Smart Advantage checking account with BMO Harris on XX/XX/XXXX. The account advertised a {$200.00} Bonus if I had 2 Direct Deposits, each $ 300+, post within 90 days of account opening. I made these direct deposits, as well as returned my signature card, and complied with all other requirements of the checking account. There were no monthly fees and no minimum balances associated with the account. On XX/XX/XXXX, I inquired via eChat about the status of my bonus. I was informed that my account was closed on XX/XX/XXXX, without consent from me or even any communication from BMO Harris on its intentions to close the account. I asked to reopen the account and receive my bonus. Both requests were denied. I have attached a PDF picture of my account status, a quicken format of all account transactions, and a script of the eChat between BMO Harris and myself concerning the account status.
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

2018-01-05

Lenexa, KS

Problem with a lender or other company charging your account

Checking or savings account: Checking account

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

Timely Response

2018-01-05

Venice, 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

2018-01-04

Edina, MN

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

2017-12-28

Elmhurst, IL

Closing an account

Checking or savings account: Checking 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

2017-12-28

WI

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: We had applied for a loan for a 2nd home that we were going to rent part time. Our mortgage lender went ahead with the 2nd home mortgage and we closed XXXX XXXX 2017. The closing at the title company took about 20 minutes in which we signed or initialed about 50 times. After we got home we went through paper work and noticed a " 2nd Home Rider '' page that states the loan will be in default if we rent it. I called and emailed the mortgage lender the next day and he said the company does not offer investment home loans, if we wanted to rent the home we would need to go to another bank. This is going to cost us around {$2500.00} dollars to refinance with another bank. We want to be able to rent this property. We made that clear during the lending process. This compliant is being made against BMO Harris Bank. Our mortgage broker was 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

2017-12-26

Gary, IN

Trouble using your card

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

Can't use card to make purchases
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

2017-12-26

Jupiter, FL

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Complaint: On XXXX/XXXX/XXXX my XXXX XXXX Account XXXX, with BMO Harris was closed with a balance of {$620.00}. I did an online chat with them and they said a check would be coming in the mail with 2 weeks. After 3 weeks I once again started a chat and they said to give it until the end of XXXX. Still no check. Just recently I called BMO Harris last week and was transferred over to a person who handles the checks but was not as her desk so I left a message. My message was never returned. It 's been almost 2 months and I am missing my {$620.00} from my closed bank 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

2017-12-26

Wonder Lake, IL

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: XX/XX/XXXX : Opened a BMO Harris checking account with the promo code " XXXX '' which included a {$200.00} opening bonus after completion of 2 direct depositions of {$300.00}. XX/XX/XXXX & XX/XX/XXXX : Direct deposit terms met. XX/XX/XXXX : Bonus was never received. Contacted BMO customer service via secure message to inquire. XX/XX/XXXX : Final response from BMO stating they can not escalate the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-21

Rockford, IL

Closing an account

Checking or savings account: Savings 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

2017-12-20

Glenview, IL

Problems at the end of the loan or lease

Vehicle loan or lease: Lease

Excess mileage, damage, or wear fees, or other problem after the lease is finish
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-20

Sayreville, NJ

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I opened a checking account with a {$200.00} promotional offer. The terms stated when applying online the 'code ' would be applied automatically. This was in XXXX, now in XXXX, they are asking me what the code is after stating that the bonus will be coming next statement for the past 3 months. 1. At account opening, you must mention the promo code in the email sent to you. To receive the bonus : 1 ) Open a new BMO Harris Smart Money Account, BMO Harris Smart Advantage Account, or BMO Harris Premier Account between XXXX XXXX, XXXX and XXXX XXXX, XXXX in a BMO Harris branch, by calling XXXX, or by clicking open now above. Well automatically apply the {$200.00} bonus promo code when you apply online.
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

2017-12-19

Glendale, AZ

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

2017-12-19

Gilbert, AZ

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-19

Lakeville, IN

Getting a loan or lease

Vehicle loan or lease: Loan

Fraudulent 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

2017-12-15

Hickory Hill, TN

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

2017-12-15

Del Rio, TX

Communication tactics

Debt collection: Auto debt

Frequent or repeated calls
Complaint: Im a XXXX XXXX XXXX and I purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I used the finance company that was referred by dealership. BMO is finance company. I agree that I do owe them however I pay them approximately 18000 per month for six vehicles. I currently owe them XXXX for month if XXXX and I have sent the last XXXX today. They wont recognize that we are in the Month of XXXX and they will not remove repossession order. The reason I know that is because repossession agent has informed us they are on the way to pick trucks up. I just feel they are pretty drastic when it comes to collection. We never refuse their phone calls. I spoke to dealership about this problem and they informed me that the finance company does this to be able to resale equipment all over again. Meaning they would have kept everything we sent in payments and then add the future income of what would come from resale. We get just as many calls from repossession company as we do from finance company. They seem to look forward to seeing us fail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-14

Itasca, IL

Other features, terms, or problems

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

Problem with rewards from credit card
Complaint: This is a XXXX XXXX card, and we redeemed on line for XXXX earned points for 3 {$100.00} XXXX e-gift cards, with the codes supposed to be delivered within 3 days by email. This was a Saturday XXXX/XXXX/XXXX and when the codes did n't come within a day - which they have before- we called XXXX customer service and rewards # s on the website. There was no option to email. We were told it could take through til a business day, which would have been XXXX, for the e-codes to be redeemed. We waited until Wed XXXX/XXXX/XXXX, about XXXX CST, to call again at the number listed and were told that rewards is closed, on a week night, and no one can help us - no supervisor available and that XXXX customer service can do nothing. The rep on the phone also said she was the only supervisor for XXXX that I could speak to, and that there is no one else. My complaint is this -- poor customer service that in redeeming rewards, there is no one to speak to during the business week, outside of normal business hours. XXXX CST is ony XXXX PST and even earlier elsewhere in the world. How can customers have no one to speak to, when more than {$300.00} in rewards is outstanding and no one provided any service. We plan to close this card as soon as all the rewards issues are resolved and all redeemed. XXXX is supposed to be a premium card- they should always, always have rewards redemption help available and an escalation process to submit an issue. Not acceptable for a fee based card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-13

TX

Closing your account

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

Can't close your account
Complaint: In XX/XX/XXXX I purchased a service from XXXX with an automatic renewal three years later - XX/XX/XXXX. The purchase in XX/XX/XXXX was charged to my XXXX XXXX XXXX. I cancelled the XXXX XXXX XXXX in writing in XX/XX/XXXX. I stopped using XXXX some short time after the renewal and forgot about it. In XX/XX/XXXX I received a bill for {$170.00} for a renewal of XXXX from XXXX XXXX. This was the first bill I had received from XXXX XXXX since I closed the card. I called the dispute department at XXXX XXXX and found out that my account had been left open because the terms of the agreement with XXXX were for an automatic renewal. I have spoken to XXXX and they may refund my money. I am writing this complaint to you because : 1. I do n't think that companies should allow charges to be made to credit cards that have been closed. 2. I think that companies who have automatic renewals directed to a credit card that has been closed should be obligated to get a new open credit card from the consumer before any charges can be made. The scenario that I have discribed above could go on and on. The customer could discontinue use of a service, move, never receive the bill from the closed credit card and accumulate charges that are unfair.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-13

Sm, KS

Closing an account

Checking or savings account: Checking account

Can't close your account
Complaint: I am a XXXX vet living on XXXX since my XXXX and my wife and I decided to change from BMO Harris Bank to XXXX XXXX XXXX. I had a plan to migrate and my SSA XXXX check took two months to change from one institution to the new one so as I planned the second check transfer I expected the same time period. It only took XXXX 5 days to make the change. So my car insurance and my wife 's health Insurance payments bounced. I got them changed over to the new payment systems but BMO charged me {$35.00} a pop and then started charging me {$7.00} per day so now they say I owe them {$200.00} to close the account. I do n't have the money to close it until my next XXXX check at the end of the month. BMO says eventually they will close the account but who knows how much I will owe then. I am sorry this happened but I am not sure how to get out of this now.
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