BMO HARRIS BANK NATIONAL ASSOCIATION

2019-11-04

Wonder Lake, IL

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 a BMO cash back credit card in XXXX. Per the promotion, I'd get {$200.00} bonus after spending {$2000.00} within the first 90 days after the account is opened. {$2000.00} was spent in late XXXX and got posted in early XXXX. However, I still haven't received any opening bonus yet. I stopped by the local branch in XXXX and the banker told me to come back in XXXX if the bonus is not posted till then. I came back to the branch in XXXX and was told that the bonus would be posted in the XXXX statement. However, I still haven't got it yet till NOW. I'm so frustrated with BMO bank, and I would greatly appreciate it if CFPB can help step in.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-01

Palos Park, IL

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

2019-11-01

Chicago, IL

Getting a credit card

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

Card opened as result of identity theft or fraud
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-01

Phoenix, AZ

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: I had a charge that was pending on XX/XX/2019 I transferred funds from one of my checking accounts to the checking account that had a pending charge. I checked my account after midnight and it showed a {$0.00} balance. I had my payroll got into the same account and checked again today XX/XX/XXXX first and seen I was charged a insufficient funds fee. I have had my problems with this bank charging me multiple fees and not wanting to credit them back. I put funds in the account to avoid a insufficient funds fee and still was charged.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-01

FL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: BMO Harris holds out mortgage. Our primary residence suffered a water leak in the master bathroom. We completed the repairs to the master bathroom this summer and filed an insurance claim for the repairs with our insurance company. The insurance company made the app {$38000.00} check out to both my husband and I ( the mortgage holders on the home ) AND BMO Harris. On XX/XX/XXXX I was advised by BMO Harris that I would ned to drive to the closest BMO Harris branch to have the check endorsed back to me so I could deposit the check in my bank. I drove over 2 hours each way to the closest BMO Harris branch ( in XXXX, FL ). While there I was told to wait in XXXX for the day and I would have my endorsement stamp taken care of by the end of business. While at the branch I was forced to endorse the check with my signature and hand it over to the back clerk there. After waiting for many hours, at the end of the day I was informed that I would not be getting the endorsement I was promised. That the BMO Harris XXXX Branch needed to send my check to the XXXX Escrow office for an endorsement stamp and that it would be forthcoming within the day. My husband spoke with XXXX with BMO Harris Customer service who passed along our request for information. After not hearing anything from BMO Harris the morning of XX/XX/XXXX I finally spoke with an Escrow employee who answered the ohone when I called. Her name is XXXX. She informed me that we would need to undergo an inspection to verify that the repairs were done as stated, that an inspector would call me before the close of business, and would come to our house the next day to complete the required inspection so the endorsement could take place. The inspector did not call that day, but when he finally did call I learned he was unable to inspect until Tuesday XX/XX/XXXX. He inspected on XX/XX/XXXX and assured me that his report showing the repairs were 100 % complete ( as I had claimed ) would be to his manager 's desk by XXXX that same day. BMO Harris had previously informed me that if the inspector 's report stated the repairs were compete and that report was received by XXXX, then the check would be endorsed by BMO Harris and overnighted to me for next day delivery. Since the morning of XX/XX/XXXX I have been trying to get a return phone call from BMO Harris about the status of my nearly {$38000.00} check. I have called every day since XX/XX/XXXX and left a message. They refuse to return my phone calls. Their voicemail message states they will return calls within 24 - 48 hours. Its been going on FOUR days and I have not yet gotten a return call. I would like answers as to where exactly is my {$38000.00} check, and why has it not been returned to me, endorsed. I find this treatment extremely disrespectful and certainly unfair that they are holding my {$38000.00} for no reason whatsoever and refuse to so much as advise me as to when it will be sent to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-01

IL

Incorrect information on your report

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

Account status incorrect
Complaint: THE CREDITOR HAS ADMITTINGLY POSTED A LATE PAYMENT TO MY CREDIT REPORT AND HAS YET TO FIX THE ERROR.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-11-01

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 monetary relief

Timely Response

2019-10-30

Brazito, MO

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-30

Sarasota, FL

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 monetary relief

Timely Response

2019-10-28

IL

Managing an account

Checking or savings account: Savings account

Problem accessing account
Complaint: I enrolled in banking offer with a promise of {$700.00} when setting $ XXXX of direct deposit and keeping $ XXXX in savings for 90 days. I was committed to using account but still had auto pays such as for home loans from other outside accounts. I was promised that I would be able to use XXXX to transfer to my other bank. I did this without any issue the first two months. This last month a few days before 90 day seasoning period my checking account was blocked from XXXX transfers. I was only given option to do so from savings. I made the transfers I needed completed over 15 day period. It did not come to my mind that these XXXX transfers were exceeding a limit and the online site never disclosed prior to the transfer that you are about to go over a monthly transfer limit. All I knew is I needed to make transfers and they were not giving the option to do so out of my checking. As luck would have it this triggered {$45.00} in fees which placed my account just under $ 10k so as to disqualify me from {$300.00} portion of the $ XXXX days before reaching 90 day threshold. Conveniently fees were reversed and representative I spoke to for over an hour on the phone assured me that you will not be penalized against offer as your average daily balance is over this. From my perspective it was they who blocked the checking for reasons beyond my control and in a busy 15 day stretch I had transfer using my savings to pay my mortgage and other creditors. Of course they will not take responsibility for their error to block the checking and allow savings. If this was about a security concern then XXXX should have blocked from all accounts. I feel unscrupulous lead to the block in an effort to create the fees that would lead to the account to fall just below $ 10k days before it would qualify for added {$300.00}. Please help correct this matter with BMOHarris Bank in 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

2019-10-28

Breidablick, WA

Applying for a mortgage or refinancing an existing 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

2019-10-28

FL

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: BMO Harris is refusing to honor the sign up bonus I was promised when I opened my checking account. I opened my account on or about XX/XX/2019. The advertised terms were as follows : To receive the {$200.00} bonus for a BMO Harris Smart Money Account or BMO Harris Smart Advantage Account : 1 ) Mention or use the promo code when you open a new BMO Harris Smart Money Account or BMO Harris Smart Advantage Account between XX/XX/2019 and XX/XX/2019. If you use the open now link above well automatically apply the promo code for you. 2 ) Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$500.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. We reserve the right to request documentation that the direct deposits qualify. 3 ) Have at least 10 debit card purchases made with your BMO Harris Bank Debit Mastercard post to your account within 90 days of account opening. I completed all requirements by XX/XX/2019 ( direct deposits and debit card transactions ) but I still have not received the {$200.00} that BMO promised in exchange. I have contacted them three times in the past three months and have been given the run around each time, although they have acknowledged and confirmed repeatedly that I am entitled to the payment -- but they are continuing to withhold payment more than seven months after I opened the account, without explanation. My correspondence with them is attached.
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

2019-10-25

Phoenix, 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 explanation

Timely Response

2019-10-24

Dixmoor, IL

Problem with a lender or other company charging your account

Checking or savings account: Savings 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

2019-10-23

Indianapolis, IN

Problem caused by your funds being low

Checking or savings account: Checking account

Bounced checks or returned payments
Complaint: The bank charge me an NSF fee then returned the transaction after saying they paid it. when I contacted the bank they told me that it wasn't their problem and returned a portion of the fee telling me that I should try to be more cautious of how I 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

2019-10-23

Bull Valley, IL

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

Timely Response

2019-10-23

Madison, WI

Managing an account

Checking or savings account: Savings account

Funds not handled or disbursed as instructed
Complaint: Last year in XXXX, I opened a brand new checking and savings account at BMO bank with bonus promotion. They promised my that the bonus will be automatically deposit to my bank accounts after qualifying days, which should not be later than XX/XX/2019. In XXXX, I was called on Military XXXX XXXX order, after I went back from the order in XX/XX/2019. I still didn't see the bonus in my both accounts, so I called the banker in XXXX XXXX, WI. I was informed that the bonus will be deposit to my accounts soon. After a couple of weeks, i only saw the bonus in my checking account, not savings ans with addition paperless statement bonus ( {$50.00} ). Up until now, I still have not got any bonus in my saving account. This is against the terms and condition policy of BMO bank when I opened my accounts with them. Now, it made me believe that BMO bank does not have ethical code of conduct and integrity to do business with customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-22

Chicago, IL

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: I have a checking account with no checks, only a debit card. I am a young consumer. I was making purchases on XXXX, and my purchases went thru. I had NO IDEA that BMO would pay out on purchases, overdraw my account and charge me almost 200.00 in overdraft fees. This is highway robbery. First and foremost, purchases done on a debit card should NEVER be allowed. They should be stopped and indicated no funds. On top of that, by the time I am informed of this, they charge daily late fees and subtracted almost 200.00 in fees. I tried to resolve this issue at the XXXX XXXX/XXXX location. My account now has a block on it so this problem will never occur on purchases. This should have been set up this way from the get go, and not overdraw and steal money from consumers who make a mistake. I was told that NO FEES can be reversed. This is not appropriate customer service, especially due to the fact I did not overdraw by using checks. These purchases should of been blocked and not paid out. I would like to have these fees reversed. I am a young person, and I am suffering financially due to this.
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

2019-10-21

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 notice that my credit report was ran without my consent on XXXX by XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have been a victim of Identity theft and I been trying to reach out to the creditor to have this inquiry removed along with the other inquiries that were placed on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-21

Hollywood, 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 monetary relief

Timely Response

2019-10-21

Foothill Ranch, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I pre-pay my loan quarterly, and they take my payments as principal reduction and then try to charge me late fees. This is called predatory lending practices. This is why we invented the CPFB when I worked for XXXX XXXX at the FDIC. I have notified them in writing and verbally several times and they still take my exact mortgage payment - and then say Im late. Every time they apologized but they keep doing it. I make my payments about a week apart in the exact amount of the loan payment and yet still - its applied to principle reduction and then send me late notices. This is predatory lending practices, specifically loan servicing predation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-18

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

2019-10-18

Glendale Heights, 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

2019-10-17

Lexington, KY

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

2019-10-16

MN

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: Here were the terms : Get a {$200.00} bonus when you open a Platinum Money Market account, deposit at least {$10000.00} in new money and keep it for 90 days. -- -- I opened the account XX/XX/2019. It's been 99 days since I deposited {$10000.00} on XX/XX/2019. I had issues in the past with them not paying me the bonus for my other account and now it's happening again. I reached out multiple times over social media, secure message on the bank website and phone calls. I tried escalating the issue as well. Thanks, 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