BMO HARRIS BANK NATIONAL ASSOCIATION

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 account on X/XX/17 with a {$200.00} promotion after making 2 DD > {$300.00} within 90 days. I have met the requirements by XXXX. I contacted BMO Harris on X/XX/17, which was 140+ days since opening the account, and received a reply the same day stating a bonus would be applied within 10 business days. It has now been 11 business days with no bonus or any further communication.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-29

New Lenox, IL

Managing an account

Checking or savings account: Other banking product or service

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

2017-08-25

Kansas City, KS

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: On X/XX/17 I purchased a Used XXXX XXXX XXXX XXXX through XXXX on XXXX, XXXX XXXX XXXX XXXX, XXXX, IL. They applied for financing for me through BMO Harris Bank. The amount financed was XXXX at an interest rate of 5.14 %. Since then I have called the BMO Harris Auto Loan customer service number XXXX to find out what the pay-out amount of my loan is because I want to refinance the loan through my credit union. Neither through the automated system or by talking to an agent has BMO Harris been able to give me that amount. The agents have told me that my loan is not yet in the system. Today I spoke with a supervisor, XXXX XXXX XXXX, who told me that it can take 4 weeks to " book '' the loan. I got the loan exactly 4 weeks today. He told me there is nothing he can do to speed up the process and that there is no way that I can go to a branch office today to pay off the loan. I 'm angry because BMO Harris is charging me their high rate of interest during this time that I wish to have already paid off my loan but can not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-25

East Troy, WI

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 explanation

Timely Response

2017-08-25

Butler, WI

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

2017-08-25

Eden Prairie, MN

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

2017-08-23

CT

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: XX/XX/XXXX - Checking account opened online at BMO Harris Bank with bonus offer code " XXXX '' which is a {$200.00} offer if 2 direct deposits of at least {$300.00} are made during the first 90 days of account opening. Offer stated that bonus would be applied within 120 days of account opening. ( I have attached the original email with the bonus offer and terms. ) XX/XX/XXXX - Direct deposit # 1 of {$300.00} posted XX/XX/XXXX - Direct deposit # 2 of {$300.00} posted XX/XX/XXXX - Last activity ( ACH withdrawal ) on account. {$0.00} balance XX/XX/XXXX - The 120th day of account opening, bonus should have posted by now. {$0.00} balance XX/XX/XXXX - XX/XX/XXXX statement ( XX/XX/XXXX-XX/XX/XXXX ) made available online. No activity in the statement, {$0.00} balance XX/XX/XXXX - I call BMO Harris to ask about the bonus. Rep says the offer code was not applied properly to my account and she will send the case to marketing team to investigate. She suggests I put some activity on my account to avoid account closure from inactivity of over 45 days. This is the first I 've heard of an inactivity closure. I thus send a {$1.00} ACH deposit to my account for XX/XX/XXXX from my XXXX XXXX XXXX checking account. XX/XX/XXXX - Account is closed without my knowledge XX/XX/XXXX - I notice my account has the status of " Purged '' when I login online. I call BMO Harris and ask rep to investigate why the account was closed. XX/XX/XXXX - XXXX XXXX XXXX says the {$1.00} ACH has failed because the BMO account is showing up as closed. XX/XX/XXXX - I call BMO Harris. The first rep explains that BMO Harris marketing team rejected my request to honor the bonus because I did not satisfy the requirements. Marketing claims that the requirements were to have a " recurring deposit deposit for at least 90 days from account opening. '' Rep then explains the account was closed for inactivity of over 45 days. I ask to escalate the account closure issue and he says there is no recourse for this. I repeat this with another rep and she tells me the same thing. I am told nothing can be done over the phone since the account has been closed.
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

2017-08-19

Palos Park, IL

Fraud or scam

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Complaint: Multiple times I 've had my own identity stolen by my own sister and it 's easy for her to do bc she looks similar to me, she 's 5 years older, she lives close, knows everything about me, she went to school for an account, knew in her earlier high school years how to get illegal ssi numbers. Do n't know what she would want with that. So she 's opened credit cards with my social, drained empty multiple bank and checking accounts from 3 different branches, stole my inheritance from both my XXXX parents and signed the checks, claimed me as her adult adopted XXXX child on her taxes, I have to go to court in to weeks for a credit card she opened under my name, she does my taxes every year so I have to sit at the IRS, she 's stolen around 300 grand just from bank accounts alone. I 'm sick of this. She stole my moms XXXX XXXX XXXX, my XXXX XXXX with XXXX, tried to get me to buy her XXXXXXXX XXXX. She tells me how to make XXXX. Called me one day telling me there r bugs crawling down her walls and her body. She 's the governments biggest issue, I 've complained so many times but no one seems to care. It seems like they would rather be out doing stops for XXXX and speeding 5 miles over the speed limit than the serious issues we have to address. This has been going on big time since XX/XX/XXXX, the looking up socials was I believe XX/XX/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

2017-08-17

Skanawan, WI

Problem with a company's investigation into an existing issue

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

Problem with personal statement of dispute
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-17

Closing an account

Checking or savings account: Other banking product or service

Fees charged for closing 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

2017-08-16

Palos Park, 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: I made payments in the total amount of {$4400.00} that were posted to my BMO Harris Bank credit card account on XXXX XXXX, 2017. This was reflected on my credit card statement dated XXXX XXXX, 2017. In early XX/XX/XXXX, I received a letter dated XXXX XXXX, 2017, from BMO Harris Bank stating that " we recently became aware of a payment that was applied to your account in error. You will see a debit in the amount of {$3400.00} on your account on XXXX XXXX, 2017. '' Upon receipt of this letter, I immediately contacted them to dispute this reversal of my payment from 4 months prior. They told me that they had no information why this occurred but would investigate it. A week or so later, I received a voicemail saying that they were looking into it, but could n't yet provide me with any additional information. On XXXX XXXX, 2017, I contacted them again. Again, they had no information regarding this payment reversal. My last contact with them was yesterday, XXXX XXXX, 2017, and they are still unable to prove that my payment was not properly made. BMO Harris Bank made additional errors in opening this credit card account originally, and their customer service trying to resolve these issues has been horrendous. I have been a customer for approximately 20 years, with various checking, business, and credit accounts. I have no faith anymore that this bank is able to properly keep records and will be closing all my bank and credit accounts with them because of these disputes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-16

Reidsville, NC

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: Bmo Harris advertised a XXXX bonus if I opened an online account and set up a direct deposit. I met those terms on my account that was opened on XXXX XXXX, 2017. I never received the {$200.00}. When I called an associate who only identified herself as XXXX said I did n't meet the terms and there is nothing she could do.
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

2017-08-15

Lannon, WI

Incorrect information on your report

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

2017-08-15

Effingham, KS

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: BMO Harris was running a {$200.00} sign up bonus promotion. After meeting terms, I inquired multiple times within last 120 days as to when funds will be paid. First 3 calls I was told I qualified and would be paid ( in order of phone calls ) next statement. close, 60 days, 120 days. Now, today, after 120 have passed and calling in, the bonus is somehow not to be found for my account ( yet was found first 3 times ). BMO Harris is not honoring the terms they gave me, nor the commitment made to me.
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

2017-08-15

Spring Hill, 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

2017-08-15

Wascott, 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

2017-08-11

Roy, UT

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I opened an account at the end of XXXX 2017 under a promotion where if I had 2 direct deposits from my employer of {$300.00} or more I was to receive {$200.00} within 120 days of account opening. The website also mentioned that if I applied online this promotion would automatically be applied. I met the terms of the promotion within several weeks from my paycheck, I work for the XXXX XXXX and allotted {$300.00} per paycheck to this account. The 120 days has came and went with no bonus. I called the bank and after waiting a half hour on hold, they told me to keep waiting and if I met the terms it will eventually show up. That response was open ended and ambiguous, and just plain unacceptable. I certainly believe I met the terms of the promotion and the bank has not kept its end of the deal.
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

2017-08-10

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: Please refer to my earlier complaint : XXXX on XXXX/XXXX/XXXX. Just now got a letter from BMO harris - they are telling non accurate information. I had sent them the signature card twice - in their provided envelope. How come they are denying that they have n't got it??? That letter from BMO is bunch of lies. there seems to be something really wrong with BMO harris ... please investigate their operations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-10

Ormond Beach, FL

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

2017-08-09

KS

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
Complaint: I have had a Diners Club card for years and I am a member of their Club Rewards program. I went to their website to redeem points and selected ( 1 ) {$100.00} eGift Certificate to XXXX XXXX and ( 1 ) {$50.00} eGift Certificate to XXXX 's. The prices displayed for these were XXXX points for the {$100.00} eCertificate and XXXX points for the {$50.00} eCertificate. Once I checked out to finalize the redemption the final cost in the cart for the {$100.00} certificate was XXXX points for the {$100.00} ecertificate and XXXX for the {$50.00} eCertificate. I called the Diners Club Rewards customer service and they informed me the last statement covered the increase for the eGift Certificates and the price listed on their website was wrong. I had n't seen the notice in the last statement. I informed the customer service rep that their website is mis-leading. She spoke to a supervisor and they informed her I had to redeem the extra points even though they were informed the website was not correct. I did redeem but I wanted to bring this to the attention of the regulatory agency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-08

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

2017-08-05

Chicago, IL

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: Requested a new account opening online on XX/XX/XXXX and was told that follow-ups were required. Two options were presented ( mail and in-branch ). I opted to go in branch to complete the application. Went into branch on XX/XX/XXXX ( XXXX XXXX XXXX, XXXX ) and representative said they could n't complete the application online and needed to open a new account ( which I obliged ). Once complete, I received written and email notifications to complete my online application. When I called back/online chatted, I was told to ignore the notifications as my account was setup. Fast forward to XX/XX/XXXX when my account was closed down. Furthermore, I had a {$1000.00} direct deposit setup for XX/XX/XXXX which BMO Harris branch ( I visited the same XXXX on XX/XX/XXXX ) claims that they ca n't see despite what the online support team says. I am now without a bank account and {$2600.00} ( direct deposit amount from employer plus the existing balance that was mailed 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

2017-08-02

Hamden, CT

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

2017-08-01

Chicago, IL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I filed for bankruptcy XX/XX/XXXX and made my first post filing payment XX/XX/XXXX . I was responsible for 11 payments from XXXX - XX/XX/XXXX . The issue is that BMO Harris completed an incorrect escrow analysis which reduced my mortgage from {$840.00} to {$720.00}, this reduction was due to a lack of including my second tax installment. I received notification around XXXX / XX/XX/XXXX that my mortgage would increase to {$1000.00} due to an escrow shortage of {$1700.00}. After getting my account current on XX/XX/XXXX , I sent BMO Bankruptcy team a request to complete a new escrow analysis and requested a mortgage reduction. On XX/XX/XXXX , I called the bankruptcy team regarding as a follow up to my request. I received a call from someone in escrow department stating that the escrow analysis did n't include one tax installment and my homeowners insurance and that a supervisor would call me. I was also advised that the BMO Harris Bankruptcy team must give escrow permission to speak to me. I never received a call from the supervisor or a resolution. I received in the mail 9 page document that detailed transaction history since start of mortgage in XXXX On XX/XX/XXXX , I submitted a letter via fax to BMO Bankruptcy team requesting an in-person meeting with a representative from both escrow and bankruptcy team to review my account to address my concerns. The meeting has not occurred, I was mailed the original escrow analysis and told the one of the departments are not based in Illinois. I also dealt with during the month of XXXX and XXXX , getting my chapter XXXX plan amended as the plan has only sent BMO one payment of {$150.00} due to the debt being labeled unsecured vs secured. As of XX/XX/XXXX , My account was current for all XXXX - XX/XX/XXXX payments @ {$720.00} and XXXX - XX/XX/XXXX payments @ {$1000.00}. I had {$420.00} in un-applied funds that was overage from my payments. I made a payment of {$590.00} by phone on XX/XX/XXXX , that was to be added with the unapplied funds to complete a payment for XX/XX/XXXX payment. During that call with the BMO Bankruptcy specialist, I was not informed that my account had been referred to legal for missed payments. I advised during call that I would make another payment in XXXX to rectify XXXX payment and also that I could n't afford the {$1000.00} mortgage, confirmed that a payment had not been received from bankruptcy trustee as well. The bankruptcy specialist confirmed the amount I had in unapplied funds and sent an email to release those funds because I made a payment for the difference to make a complete payment. BMO does not accept partial payments. On XX/XX/XXXX , I received copy of motion to dismiss filed by BMO for 4 missed payments on XX/XX/XXXX . I called the BMO bankruptcy team on XX/XX/XXXX and was told : I could not make a payment post filing, BMO did leave out one of my tax installments on escrow analysis but I must still pay, and my attorney should file immediately a motion for resolution and that escrow payments can be paid over 24 months possible. It is the miscaluculations of both the bankruptcy and escrow team that has gotten here. Why did they accept my XX/XX/XXXX payment and not apply it to XX/XX/XXXX payment if they had already filed? Why is the surplus amount stating {$960.00}, when I had {$420.00} in unapplied funds and paid on XX/XX/XXXX {$590.00} which totals {$1000.00}. Their motion is documented incorrectly as I currently owe XXXX - XX/XX/XXXX as of XX/XX/XXXX , which I could n't pay any of this due to filing and now I owe XX/XX/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

2017-07-31

IL

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Complaint: My bank is n't working with XXXX app
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response