BMO HARRIS BANK NATIONAL ASSOCIATION

2017-10-13

Folsom, CA

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 explanation

Timely Response

2017-10-13

Chino Hills, CA

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

2017-10-12

Grand View, ID

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: the bank is supposed to honor a {$200.00} new account bonus, as long as i has a direct deposit from a paycheck. I have contacted the bank probably 5-6 times, and i have already submitted a CFPB complaint. The company 's response to my last CFPB complaint is invalid. They are advizing that my " direct deposits '' do not qualify - yet they have no valid reason to say this. Their frontline reps already tried telling me the direct deposits are not valid - when i showed them pay stubs from an employer, they came up with a new reason of why i do not qualify for the bonus. So, BMO already has my pay stubs on file, yet they are asking to see them again. What is going on? - EXPLAIN TO ME HOW MY DIRECT DEPOSITS DO NOT QUALIFY????????????? ON WHAT BASIS ARE YOU SAYING THIS??????????????????????????????????? READ YOUR OWN REQUIREMENTS, COMPARE IT TO THE PAY STUBS THAT YOU ALREADY HAVE ON FILE, AND EXPLAIN TO ME HOW YOUR REQUIREMENTS WERE NOT MET!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! This is a copy and paste from their response to my previous cfpb complaint : " Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} 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. '' P.S. If you are going to try to deny my the bonus once again, i kindly ask that you read the emails ive already sent your company. Like ive already mentioned, youve come up with 5-6 completely false excuses to deny the bonus - each time i have replied to your company, disproving the excuse, and then you just come up with a new one. Your company 's response to my previous CFPB complaint was already disproven in my 2nd of 3rd email to your company. Please respect my time as well as your time and read the emails so that you dont try using an excuse that has already been disproven. P.S.S : i am attaching a copy of one of the pay stubs which proves the direct deposit come from an employer. BMO Harris has on their records this deposit, as well as the 2nd deposit from the same employer which makes me qualify for the {$200.00} bonus becuase both deposits are mroe tahn {$300.00} and happened within 90 days of account open.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-12

Grand View, ID

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: the bank is supposed to honor a {$200.00} new account bonus, as long as i has a direct deposit from a paycheck. I have contacted the bank probably 5-6 times, and i have already submitted a CFPB complaint. The company 's response to my last CFPB complaint is invalid. They are advizing that my " direct deposits '' do not qualify - yet they have no valid reason to say this. Their frontline reps already tried telling me the direct deposits are not valid - when i showed them pay stubs from an employer, they came up with a new reason of why i do not qualify for the bonus. So, BMO already has my pay stubs on file, yet they are asking to see them again. What is going on? - EXPLAIN TO ME HOW MY DIRECT DEPOSITS DO NOT QUALIFY????????????? ON WHAT BASIS ARE YOU SAYING THIS??????????????????????????????????? READ YOUR OWN REQUIREMENTS, COMPARE IT TO THE PAY STUBS THAT YOU ALREADY HAVE ON FILE, AND EXPLAIN TO ME HOW YOUR REQUIREMENTS WERE NOT MET!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! This is a copy and paste from their response to my previous cfpb complaint : " Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} 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. '' P.S. If you are going to try to deny my the bonus once again, i kindly ask that you read the emails ive already sent your company. Like ive already mentioned, youve come up with 5-6 completely false excuses to deny the bonus - each time i have replied to your company, disproving the excuse, and then you just come up with a new one. Your company 's response to my previous CFPB complaint was already disproven in my 2nd of 3rd email to your company. Please respect my time as well as your time and read the emails so that you dont try using an excuse that has already been disproven. P.S.S : i am attaching a copy of one of the pay stubs which proves the direct deposit come from an employer. BMO Harris has on their records this deposit, as well as the 2nd deposit from the same employer which makes me qualify for the {$200.00} bonus becuase both deposits are mroe tahn {$300.00} and happened within 90 days of account open.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-11

Dundee, IL

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

2017-10-11

Laurel Hollow, NY

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

2017-10-10

Middletown, DE

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

2017-10-10

Lannon, WI

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 monetary relief

Timely Response

2017-10-06

Bentley, MI

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I opened a BMO Smart Advantage checking account at BMO Harris on XX/XX/XXXX. When I signed up I used the promotion code to receive a {$200.00} bonus for opening the account after making two $ XXXX direct deposits withing 90 days. I sucessfully met these requirements after a direct deposit of {$300.00} on XX/XX/XXXX and another {$300.00} direct deposit on XX/XX/XXXX. On XX/XX/XXXX ( after not receiving the bonus yet ) I contacted BMO Harris about the status of my bonus and was told that I did not qualify for the bonus because I do not live in one of the targeted states as part of the promotion. The issue with this is that when I signed up for the promotion there were no state requirements, this has only been recently added. Due to this I still deserve the {$200.00} bonus. Thanks for your help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-06

Jacksonville, FL

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: I lodged a complaint few days back to CFPB. The case # is XXXX. I opened a checking account online with {$1000.00} as initial deposit on XXXX XXXX and made XXXX direct deposits by XXXX. The bank had advertised that if I made XXXX direct deposits it will credit my account {$200.00}. The bank has not yet deposited the amount to my account. I filed a complaint through CFPB and the company responded that my account did n't have a promotion code attached to the account. The problem is at the bank 's end. Their site through which I opened the account stated, accounts opened online will have the code automatically attached. I have attached the screen shot as evidence. What I find frustrating is, I am not the only XXXX. The bank is trying to give excuses not to give the bonus. I believe it is a fraudulent business practice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-04

Berkeley, CA

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

2017-10-04

Northbrook, IL

Managing an account

Checking or savings account: Savings 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

2017-10-02

IL

Problem with a purchase shown on your statement

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

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: A company called XXXX XXXX has been charging my credit card unauthorized {$19.00} per month for a service that I did not sign up for. This has been going on for 9 months ; the amounts were small, and I do n't often check my account online. The bank would only go back 90 days, so only XXXX of the XXXX charges will be reversed. All of this activity is fraud, and should be reversed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-30

Melrose Park, IL

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

2017-09-29

Dayton, OH

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

2017-09-29

Keeneyville, IL

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

2017-09-29

Kuna, ID

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

2017-09-28

Arco, CA

Managing an account

Checking or savings account: Savings account

Funds not handled or disbursed as instructed
Complaint: On XX/XX/XXXX I opened a savings account and funded it with {$1000.00}. On XX/XX/XXXX, with no notice my savings account was closed by BMO. A check was supposedly mailed to me but I was travelling and it was returned by the post office. It has been a nightmare trying to get this {$1000.00} back. I have called, chatted, messaged, XXXX and no one has been able to help me. I was told I could call a supervisor named XXXX XXXX at XXXX. That number was a fax so no help. I was told XXXX XXXX from the internet sales team would need to call me back. She never called. When I followed up I was told there is no one there by the name of XXXX XXXX. This has been a very frustrating experience. It 's even more frustrating that I have a checking account and it would have been possible just to deposit the money there. It also would have been very helpful if they had communicated the need for any paperwork or that they were closing the account. All in all a very bad experience with this account and all the customer service reps who could n't help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-28

Boca Raton, FL

Closing an account

Checking or savings account: Checking account

Company closed your account
Complaint: Few months ago I opened up a BMO checking account for the {$200.00} sign up promotion for " Receive two qualifying direct deposits of at least {$300.00} or more within 90 days of account opening ''. I completed the requirements but the {$200.00} sign up bonus never posted to my account. I checked my account today and account has been closed. This seem like a switch and bait where they advertise you to sign up and refuse to pay and simply 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

2017-09-27

Fort Worth, TX

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

2017-09-27

Grand View, ID

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: The bank is supposed to offer a {$200.00} bonus for opening an account and receiving 2 direct deposits from an employer of more than {$300.00}. I completed these requirements, and the bank is refusing to honor the promotion. Ive spoken with the bank 4-5 different occasions, each time they come up with a different excuse. They have resorted to making up requirements beyond what is stated in the terms and conditions for the offer ; for example, their latest excuse is that i do not live in a state where they have a branch. It is true that in their offer terms, one requirement is that I must live in a state where they have a branch. However, on the day that i applied, XX/XX/XXXX, this state requirement was NOT listed. it was only listed AFTER i applied. To be specific, XX/XX/XXXX account opened XX/XX/XXXX direct deposit from paycheck of {$550.00} XX/XX/XXXX direct deposit from paycheck of {$550.00} " 2 ) Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} 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. Offer is not available to existing BMO Harris personal checking customers ( including signers on joint accounts ) or those who have closed a BMO Harris personal checking account within the past 12 months. Offer can not be combined with any other offer and is limited to one per account. We reserve the right to amend or cancel any part of this offer. "
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-27

Glencoe, IL

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

2017-09-26

Fremont, CA

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

2017-09-26

Wonder Lake, IL

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I opened a BMO Harris Smart Advantage Account on XXXX XXXX. There was an offer that I would receive a {$200.00} bonus if the new account received two qualifying direct deposits of at least {$300.00} or more within 90 days of account opening, and once that happened I would receive the bonus within 120 days. The deposits were made successfully in XXXX. When I called in XXXX to ask where my bonus was, they stated I had to wait at least 120 days. When I logged on to my account on XXXX XXXX to check if my bonus had posted, my account had been closed by BMO Harris. When I called and asked why, they stated my account had been dormant for 45 days and that they closed. When I showed them that in the account disclosures a dormant account is classified as 3 years of inactivity, they said they could close my account at any time for any reason. I spoke with XXXX and XXXX XXXX in their call center. I find it extremely fraudulent for a bank to ensure you that you 'll receive your bonus in 120 days from account opening, and then close your account days shy of passing that boundry. Especially after calling and confirming that the bonus terms were met. I 've attached copies of my online statements showing the deposits were made, and when they closed my account. I also included the terms of the account that outline an account can be closed for dormancy reasons after 3 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

2017-09-26

SC

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: I opted out of an Overdraft Protection program for my debit card account which explicitly states that they would decline the card should there be insufficient funds in the account and not charge an NSF fee. Upon noticing a NSF charge I called the bank. They referenced a Regulation E which explains that the opt out does not apply to " recurring charges '' the definition of such was not adequately explained. They refused to refund me the overdraft fee of {$35.00}, even for this first offense. I mentioned that since my account is in negative balance and therefore can not close the account without paying the NSF fee, I would let it become inactive. The repercussions per the agent I spoke with would be another {$50.00} in fees and then having a collection agency attempt to collect his amount. In the meantime, this would effect my credit score and I would not be allowed to open any other checking accounts. This is quite a hefty fee to pay for a poorly worded policy that anyone could have been duped.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response