BMO HARRIS BANK NATIONAL ASSOCIATION

2017-09-25

Chicago, IL

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

Timely Response

2017-09-23

Wonder Lake, IL

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: Hello- an ACH double posted on my BMO Harris account of XXXX, my balance at the time was XXXX. But because it double posted my balance went negative. I was then charged an NSF fee of XXXX from BMO, they will not reverse the full fee and are advising me that I need to bring my balance to XXXX before I can close the account. And I will also incur a XXXX early account closure fee. I recently signed up with BMO under a promotion to test drive them and switch over. Below is a transcript of my chat with them XXXX : Hi, my name is XXXX. How may I help you? XXXX XXXX : Hi XXXX XXXX XXXX : I recently had an ACH debit my account twice for the same amount XXXX XXXX : and because of this I incurred a NSF fee of XXXX XXXX XXXX : I am wondering if this is reversible. I do not know why the ACH was taken out of my account twice ... XXXX : I am sorry to hear about the issue with the duplicate charge. I can review this for you today. What is your name and e-mail address please? XXXX XXXX : XXXX XXXX and XXXXXXXXXXXX XXXX XXXX : thanks! XXXX : Thank you XXXX. One moment please. XXXX : Thank you for your patience. I have reviewed the account. I am showing the transaction that overdrew the account was a Web payment set up directly through XXXX XXXX. Since this was not a transaction set up through the BMO Harris online banking it is not a bank error. With it being a first time occurrence on the account, I would be happy to split the insufficient funds fee and refund {$17.00} back on the account. The second transaction was returned on XXXX-17. What I wo n't know by looking at this transaction is if XXXX will resubmit that item for payment on the account. I would advise that you contact XXXX to find out if that second ACH will be resubmitted or not. Would you like for me to go over with you some options for Overdraft Protection? XXXX XXXX : No, I do n't think overdraft protection is necessary. I XXXX XXXX : I 'm not sure I would really need the account open then if I am left with an overdraft of XXXX, does n't see worth it to me. I opened it up under a promotion and was going to test drive the account before we switched over ... XXXX : If you decide down the road you would like to know more about our overdraft programs, please let us know as we are here to help. I have credited that portion back on the account and my confirmation number for that today is XXXX. I would advise that you make the account positive by the close of business Monday as the account can also be charged a {$5.00} consecutive day overdraft fee if the account sits in an overdrawn balance for more than 3 consecutive business days. XXXX XXXX : oh if that 's the case lets just go ahead and close the account. thanks XXXX : Once the account is brought back to a positive balance you can reach out to us to close the account but I would n't be able to close the account until then. Plus, there can be a fee of {$50.00} charged to the account for closing within the first 90 days of account opening.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-22

Warrenton, VA

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I opened a checking account with {$1000.00} as initial deposit on XX/XX/XXXX and made three direct deposits by XX/XX/XXXX. The bank had advertised that if I made two direct deposits it will credit my account {$200.00}. The bank has not yet deposited the amount to my 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

2017-09-20

San Jose, CA

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I opened my account on XX/XX/XXXX in responding to a web ad saying XXXX opening bonus if you complete 2 direct deposit of XXXX or more. It also says Well automatically apply the {$200.00} offer promo code when you apply online. I called and was told there was no promo code attached to my account at opening. It has been over 5 months and still no XXXX dollars. I read that many people are having the same problem. BMO Harris is the worst 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

2017-09-19

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

2017-09-19

Lannon, WI

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

2017-09-18

Frankfort, 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

2017-09-18

San Diego, 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

2017-09-16

Rockford, IL

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: On XX/XX/XXXX my account was withdrawal for {$270.00} ; The transaction was done on XX/XX/XXXX at BMO Harris bank at XXXX XXXX XXXX XXXX, IL,XXXX XXXX. ON XX/XX/XXXX, I tried to pay something and they informed me that my account had no enough founds to cover the transaction. I checked my bank transactions online and I saw a " REQUESTED WITHDRAWAL " transaction for a total of {$270.00}. I called the bank and they explained me that someone in a different county, same estate of Illinois withdrawal money from my bank account and t " by mistake '' the bank took the money from my account instead of his account. Bank customer service rep. told me that they do not know how that happened and they offered me to refund the money but it will take 2-3 business days. As well they recommend me to go to my branch, spoke with the manager in the branch close to my residence and they will talk to the manager in XXXX branch to " tried '' to correct my account and deposit the money into my account as soon as they can. I asked her what will happen with the payments I had schedule to be withdrawal from my account in the following dates, because those will be rejected it due to no money in my account. She said that they will not charge me an overdraft " if '' they accept one of those payments, but since I had no money in my account, then no one of my payment will be through. That answer do not help me at all, as a result of his error and lack of problem solving at the moment, I will end up with a ton of fees in my end with a different institution that I owe because the payments will not going through. Regardless that they will return my money, this situation extremely concerns me, how is possible to release money to someone that is not even the same sex or nationally as the account holder 's name or picture ; how is possible that the bank will charge me for late fees as quick as next day if I withdrawn my account, but instead, if they make an error they will take all the time they want and leave me with no money for payments that I need to make, in addition with a bad record in my credit report, adding my stress level up to the roof because of a bank error which is not even reasonable or credible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-14

Liverpool, TX

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: On XXXX XXXX, I applied for a BMO Harris Everyday Checking Account, which offered a {$200.00} bonus for qualifying deposits ( screen shot attached ). The account was provisionally opened on XXXX XXXX, and fully opened after following their procedures, including submission of signature cards. As detailed below, I contacted the bank in order to confirm that my deposits qualified for the account opening bonus, they confirmed my deposits as qualifying in three separate exchanges, and then other agents within the bank determined otherwise. I would like the bonus posted to my account as soon as possible. On XXXX XXXX I contacted their eChat service and XXXX confirmed that a deposit qualified ( transcript of chat attached ). On XXXX XXXX I contacted their eChat service and XXXX confirmed the second deposit qualified ( transcript attached ). On XXXX XXXX I contacted their eChat service and XXXX informed me that deposits post only after 120 days, " as disclosed in the mailer, '' although I had not applied through a mailer but instead through their online application ( transcript attached ). On XXXX XXXX, more than 120 days after opening the account, I contacted their eChat service and XXXX again affirmed that the two deposits qualified and that I could expect the bonus to post on XXXX XXXX XXXX transcript attached ). On XXXX XXXX, XXXX " escalated '' the matter and told me I could expect a response within 3-5 days ( transcript attached ). On XXXX XXXX, XXXX stated that my qualification was under review, in spite of the previous statements of XXXX and XXXX that I had qualified. He implied that I might not qualify after all, but that the matter was under review ( transcript attached ). On XXXX XXXX, XXXX affirmed that XXXX had submitted the review on XXXX XXXX, and, after my request, contacted the marketing team. XXXX communicated to me that the marketing team now contradicted XXXX and XXXX, having determined that the deposits do not qualify without further documentation ( transcript attached ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-14

Palos Park, 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

2017-09-14

Noblesville, IN

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

2017-09-11

Bolingbrook, IL

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

2017-09-10

Tucson, AZ

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Personal line of credit

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

Untimely Response

2017-09-09

Austin, TX

Trouble during payment process

Mortgage: Other type of mortgage

Complaint: I have a mortgage loan with BMO Harris Bank. On my XX/XX/2017 loan statement, I noticed that the amount I 'm paying over the regular payment amount due is all of the sudden being applied to the following month 's regular payment. Up to this point, anything over the amount due was being applied to the principal. I 'm trying hard to pay the principal down as fast as I possibly can to reduce the interest I 'm losing. My reg payment is {$310.00} ( roughly {$240.00} principal, {$69.00} interest ), but I recently starting paying {$800.00} each month through auto bill pay with my bank ( XXXX ). I called BMO and asked why I see two regular payments and one curtailment related to my XX/XX/XXXX payment of {$800.00} and I 'm told " there was a policy change. '' BMO now takes what was the curtailment amount and applies it to the next month 's regular payment ( which includes interest not yet accrued ) if it 's equal to or greater than the regular payment amount due. Then, I asked to change this configuration/setting/preference back to the way it was, and I was told it 's not possible. I was told I 'd have to call in every month to tell them how to apply the payment ( all overage to principal ). *My bank does n't allow me to send a memo with my payment that would designate how to apply the payment, and BMO 's online banking will not allow me to designate that either. I was told I could use chat or call in if I wanted it changed. Though the rep said this was a policy change, I 'm wondering if BMO ran analysis of some kind and discovered that I had increased my monthly payment which prompted them to start using my money without my permission so they could milk every last penny out of me by gaming the interest when they delay my payment to the next month? I asked the rep to submit a complaint stating the change is unethical and immoral. I believe this practice is an attempt to exploit consumers and manipulate the system to BMO 's advantage, even if it 's a few cents at a time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-08

IN

Closing an account

Checking or savings account: Checking account

Can't close your account
Complaint: I just open this account and I have had consistent issues with the customer service I open this account after having issues with XXXX XXXX XXXX and their customer service so I figured BMO after having such a wonderful branch manager open my account as soon as I would n't have the same type of issues since opening this account not even in my first 30 days I have had horrible customer service on the phone I have been told misleading facts and statements regarding my account on several occasions my account is locked at night about midnight due to BMO updating their system but when I enter the correct login information rather than disclose to me that well this system is updating the online and mobile access to my account is restricted it locks me out and locks me out the account so then I have to call back in to customer service to get my account reset for it saying that I entered the wrong login information when it 's really a system cause automated error I am to the point of beyond frustrated with this company I have tried on several times to close this account and I 'm being told that because I 'm closing it within the first 90 days I 'll be charged fees for closing all of my accounts at this point I 'm waiting for one more deposit to hit my account and at that point I will be closing this account and if I am charged a fee I will be suing the original branch that open my account because these fees were not disclosed to me nor was it disclosed to me that I would not have access to my own funds or account information due to Errors By The automated system at BMO Branch I am appalled and outraged at what awful shity service that they have provided to me in regards to my personal and business account with this low-class 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

2017-09-08

Chicago, IL

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

2017-09-08

Chicago, IL

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

2017-09-08

Chicago, IL

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

2017-09-07

Seattle, WA

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: Opened a BMO Harris Everyday Checking account under a promotion that said that I would receive {$200.00} if I did two {$300.00} direct deposits from an employer within 90 days. I completed the requirements but still have not received the {$200.00} promotion yet. I opened the account on X/XX/2017 and according to the customer service reps I 've talked to, I should have received the {$200.00} promotion after 120 days. After 120 days and not receiving the promotion, I talked to the customer service reps who were unable to help 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

2017-09-05

WI

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Complaint: XXXX and I opened a Home equity line of credit with XXXX bank XXXX/XXXX/XXXX it was an interest only line of credit, which we used to pay for XXXX expenses as we sent her back to college. Harris Bank bought XXXX in XXXX XXXX, by XXXX XXXX we received the letter telling us that the loan was no longer offered and we could work with them to convert the loan. We began working with XXXX XXXX ( XXXX ). After several weeks, we were almost to the end when XXXX ask for XXXX Social Security number. Being concerned about Identity theft we sent the last email asking her to look it up on the taxes we had sent earlier, I did a follow up with a phone call and gave it to XXXX verbally, and confirmed that was all she needed from us. We didnt hear anything else from Harris, now BMO until XXXX XXXX, XXXX and we received a refund for interest (? ) following with the letter XXXX XXXX, XXXX giving us to XXXX XXXX to address the issue. We had contacted BMO and we referred to the recovery department and they were looking for an offer to pay off the loan and were told that getting a loan modification was not an option. When I asked where my loan went for 2 years I was told that since I had not giving all the information on the first application my file was closed, I told them I had, and was inform that was not the case ( please refer to my emails ). As of XXXX XXXX, XXXX BMO reported the loan are a write-off and my credit score dropped to XXXX, even though the last letter said the was no negative reporting. I then contacted XXXX XXXX the manager XXXX branch where the loan was originated and asked her to fix my credit. I gave her copies of my documents and indicated she thought she could help. Over 60 days later ( and many phone calls ) she informed me that the only option I had was to work with recovery and they will not fix my credit. Desperate a referred back to the last letter and contacted the department listed and currently am working with XXXX XXXX, to get a loan modification, however this is not a sure thing and it will still not fix my credit. The long and the short of this is BMO should have never closed my loan application in XXXX. In reviewing my credit score after XXXX XXXX, the loan was listed on my report and without and payments and my score dropped to XXXX for not having on time payments and using over 90 % of my available credit, which I was unaware of until recently. After it was reported as a charge off it dropped to XXXX. I have contacted my own bank who will not give me a loan with a score so low. I have never tried to get out of paying this loan, I have only dealt with BMO in good faith hoping for the same but, by BMOs actions, I am trapped, I can only take whatever they offer me. I need you help as my advocate, Im out of options.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-03

Chicago, IL

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

2017-09-03

Chicago, IL

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

2017-09-02

Jacksonville, FL

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: I opened an account with BMO Harris bank under a promotion to receive a {$200.00} bonus after a maximum of 120 days. Per BMO I was to use promo code " XXXX '' which would be automatically applied and " 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. '' Here is my timeline of events : XXXX/XXXX/XXXX - account opened with promo code XXXX/XXXX/XXXX - deposit of {$500.00} from XXXX XXXX pension/retirement plan XXXX/XXXX/XXXX - deposit of {$500.00} from XXXX XXXX pension/retirement plan XXXX/XXXX/XXXX - closed account I closed my account after 150 days and no promotion bonus was received. I contacted customer service via echat but they advised they were unable to assist.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-31

Taft, OH

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I opened my BMO account on XX/XX/XXXX with a promotion for {$200.00} after making two direct deposits greater than {$300.00} within 90 days. This was completed by XX/XX/XXXX, but I have not seen the {$200.00} applied to my account. Initially contact BMO Harris on XX/XX/XXXX and was told the account would be evaluated after 120 days of being opened, and then the bonus applied within 10 business days. I then again contacted BMO Harris XX/XX/XXXX, and was told the bonus would be applied within 10 business days. It is now 11 business days without any bonus being applied or further communication from BMO Harris.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response