BMO HARRIS BANK NATIONAL ASSOCIATION

2017-06-26

Dyer, 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

2017-06-24

Chicago, IL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I received a letter from XXXX XXXX dated XXXX XXXX 2017 attempting to collect a {$250.00} debt on behalf of BMO Harris Bank. Not only have I never done business with BMO Harris Bank in my life, but the letter is addressed to my middle name. I have not contacted XXXX XXXX, because this debt collection attempt is fraudulent, and I do not want to them to have my contact information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-21

Wonder Lake, IL

Opening an account

Checking or savings account: Savings account

Didn't receive terms that were advertised
Complaint: I opened my checking and savings account with BMO in XXXX XXXX. I opened with a special offer of {$300.00} bonus for checking account and {$200.00} for the savings. I have been inquiring about the bonuses for months, only to be told to wait. Now I did not get the bonus and this was escalated to the marketing department under Ticket XXXX and I was told the type of savings account I opened was ineligible. This is infuriating as I had no say in what type of account was needed, I was not given a confirmation of the bonus or any other documentation at account opening about the requirements. I want this escalated and I feel that there is no reason I am not awarded the {$200.00} bonus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-19

Ephraim, WI

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 explanation

Timely Response

2017-06-15

Sioux Falls, SD

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: BM O Harris Bank 's auto servicing online service is designed to make payments and payment arrangements relatively difficult. If you set up an online access account, you ca n't actually make a payment through your account. The user has to go to a generic site and enter payment and account information every time. In addition, setting up an autopay arrangement is a paper intensive process that provides little feedback if the autopay is set up and when it kicks in. At the end of the day, the payment system seems to be setup so that people miss payments and become sloppy paye rs ( getting charged multiple late fees over a loans life cycle ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-15

Hinsdale, IL

Managing an account

Checking or savings account: Checking account

Problem accessing 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

2017-06-14

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

2017-06-14

Wallington, NJ

Wrong amount charged or received

Money transfer, virtual currency, or money service: International money transfer

Complaint: https : //www.bmoharris.com/main/personal/checking-accounts/smart-advantage/ BMO Harris Bank : The bank advertises 0 fee with NO fine print for international incoming wire transfers.This is false advertising and this is not how it worked out for me when I used their service. <P/>I opened a checking account with them on XX/XX/XXXX because they advertise the 0 fee for incoming wire transfers which I needed to receive from family in XXXX. I had a wire transfer into my account initiated XX/XX/XXXX and received the following day. The expected amount was USD XXXX but only USD XXXX was received. <P/>When I called their Wire Transfer department today to inquire about the missing {$20.00}, I was told there is an intermediate bank which takes a commission and it is not their responsibility and I should check with the sender. The sender has paid separate fee to the sending bank for initiating the wire transfer and has nothing to do with intermediate bank either. <P/>{$20.00} is not a big amount, but the advertising is false and it should be corrected. At the very least they should notate this in the fine print instead of saying no fees for incoming wire transfers warning to the fact that the transfer could be routed through an intermediate bank that would result in added fees. Nowhere is that listed and it is still advertised as such on their website that they do 0 fees incoming wire transfers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-10

Minneapolis, 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

2017-06-09

Bay View, WI

Fees or interest

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

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

Timely Response

2017-06-09

Arlington Heights, IL

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 monetary relief

Timely Response

2017-06-06

Sarasota, FL

Trouble during payment process

Mortgage: Other type of 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

2017-05-31

SC

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Complaint: MAJOR SECURITY BREACH by BMO Harris Bank- received my IRA statement Form 5498 along, with my statement was another individuals statement with last 4 of the soc sec # and account balances and account numbers, Home address. Upon contacting BMO Harris on X/XX/17, concerned about Identity theft they had no process in place or what appeared to be a plan. Asked me to shred the other person documents, and that they were sending out a new statement with the corrected info. They offered credit bureau monitoring. No mention of identity theft protection which is what would be needed in this scenario, XXXX accounts impacted, this is worth a visit from the CFPB to the BMO Harris and some government fines.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-30

Phoenix, AZ

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

2017-05-23

Kouts, IN

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

2017-05-22

Lisle, IL

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 explanation

Timely Response

2017-05-21

Chicago, IL

Incorrect information on your report

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

Account information incorrect
Complaint: I had gotten my BMO Harris debit card stolen on X/XX/17 and called it in the following day. I was told my card was canceled as they caught a fraud attempt of a cash withdrawal of {$130.00} at a XXXX gas station in XXXX , IL. I was not asked about any previous transactions to verify no other fraud was made and I understood that the {$130.00} attempt was the onl y one. I h ave an installment loan with BMO and a payment of {$46.00} is taken automatically from my checking account every XXXX of the month, however, XXXX XXXX payment was not paid due to my account having insufficient funds. I opened my monthly statement and see that a purchase at XXXX XXXX was made for $ 30+ and ca used my funds to drop. That purchase was not made by me and was fraudulent and was not verified by me through BMO when canceling my card and caused the payment for XXXX to be overdue. I attempted to pay my past due balance in person at a branch in XXXX , IL and was advised to wait until my next payment day of X/XX/17 to avoid being double charged. I listened and come X/XX/17 I received a phone call from BMO 's credit reporting office and was informed my payment was 30 days overdue and was now going to be reported to the credit bureau and was misinformed on the double charge statement. I paid the overdue payment in addition to XXXX XXXX payment that totaled out to {$100.00} and then the next day was in fact double charged for XXXX XXXX overdue payment which put me at insufficient funds once again. BMO has reversed fees but still said it was going to be reported to the bureau and refused to retract it since I took the proper steps to make the payment but was misinformed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-19

WI

Getting a loan or lease

Vehicle loan or lease: Loan

Confusing or misleading advertising or marketing
Complaint: I was going to buy a car at XXXX XXXX XXXX XXXX XXXX Wisconsin. The finance manager told me there should be no problems and I would be approved for a loan. I told him if he encountered any problems to contact me by phone or email right away. Well he never contacted me, and instead ran my credit XXXX times. I did not approve of this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-17

Indianapolis, IN

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: The issue I have been dealing with involves my escrow account and what I am paying into it. I have been paying into this account since XX/XX/XXXX . When I took on my mortgage I had to file homestead and mortgage exemption ; once property taxes where due in XX/XX/XXXX the amount due was adjusted. XX/XX/XXXX Taxes have been paid and I have well over the amount in my escrow to pay HOI premium and XX/XX/XXXX taxes. My mortgage company will not re-adjust the amount I owe each month to put into my escrow account. Now they plan on taking over {$1300.00} of my money and holding in an account that will not be used for anything. Taking and holding the money until the end of the year, then producing a refund is counter-productive. I totally understand taking out the appropriate amount each month for XX/XX/XXXX taxes and HOI bills, but the amount that is being taken out now is excessive. I feel that my rights and finances are being taken advantage of. I have attached my most recent mortgage statement with the date XX/XX/XXXX Taxes were paid and current escrow balance ( that covers HOI and XX/XX/XXXX tax bill ) , my HOI XX/XX/XXXX page with the amount of my yearly premium, and my State Tax bill that has XX/XX/XXXX ( spring ) and XX/XX/XXXX ( fall ) amounts listed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-16

Wonder Lake, IL

Managing the loan or lease

Vehicle loan or lease: Loan

Loan sold or transferred to another company
Complaint: This is in response to your XXXX XXXX , XXXX dated correspondence regarding my Complaint with the Consumer Financial Protection Bureau. Attached are two cashier checks indicating the amounts that I paid, one is f or {$5000.00} dated XXXX XXXX , XXXX and the second cashier check is for {$37000.00} dated XXXX XXXX , XXXX which brings the total to {$42000.00} that I paid t o BMO Harris Ba nk XXXX XXXX XXXX , XXXX XXXX ( r eceived by XXXX XXXX in front of XXXX XXXX . they were talking to XXXX XXXX ). This amount disputes your claim of the {$41000.00} payoff and is a difference of {$1400.00} which is the amount that I am seeking compensation for fro m BMO Harris Bank, pl us the {$500.00} ( that I paid to XXXX XXXX XXXX in order to remove the vehicle from auction. This brings the total request for compensation to {$1900.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-15

Itasca, IL

Trouble during payment process

Mortgage: Other type of 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

2017-05-13

Bloomington, MN

Opening an account

Checking or savings account: Savings account

Didn't receive terms that were advertised
Complaint: I opened an account with a coupon that I would receive a promotional credit upon meeting requirements. I met the requirements ( the bank confirmed this ), but the banker did n't add the promo code despite assuring me that they did, so I did n't receive the promotion. When I called their toll-free number, they would n't resolve 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

2017-05-11

Chicago, IL

Struggling to pay mortgage

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

Complaint: On XXXX XXXX , XXXX I received a workout option from BMO HARRIS BA NK to pay XXXX per a month towards my home equity line of credit XXXX . I received a letter in writing stating that if I put down XXXX and pay XXXX per a month on the first day of each month. I have paid every single month on time since XXXX of XXXX . In XXXX of XXXX and XXXX XXXX , Harris Bank did not withdraw the money from my bank account. I called the bank and was informed that I owe them all the money at one time. I told them that I had a written agreement from the employee that no longer works at the bank. I was told that they did not care, and that I had to now pay XXXX a month for one year, and pay the loan off in full. This is illegal. I was not informed and they are reniging on the original terms and agreements that were given to me by XXXX XXXX . I need help with this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-10

MN

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Complaint: To Whom it May Concern : I am writing a complaint in regards to an outstanding balance I owe to BMO Harris Bank for a XXXX XXXX XXXX that is affecting my credit score. I am writing because I feel as if I was treated unfairly. I was going through a divorce at this time and I owned a XXXX XXXX XXXX, loan through a different bank, and my husband at the time owned ( loan was in my name ) a XXXX XXXX. When we separated I was left with the two cars and was not able to pay for both so I need to get rid of one. I went to XXXX XXXX, where I had bought my first car, to see if they would help. At this time, I had no idea what I was going to do with 2 car loans. When I arrive at XXXX they had told me I could trade in both my vehicles, both had depreciated value, and get a new car. Once this was in place I bought a XXXX XXXX XXXX. Going through the process of the loan, the car was worth around {$24000.00} but with both my bad equity from the two cars I already owned I ended up getting a loan for {$35000.00}. My car payments turned out to be around $ XXXXmonth for 7 years, which is very high. I said ok due to knowing I had to get rid of one car and being in a very emotional a distressed state of mind due to the divorce and worries of the payments I would have to make for 2 cars. I have made the payments for about 2 years and at that point was going through a transition with jobs due to the company going out of business so I returned the car back to BMO Harris. Once BMO Harris took the car they were to auction off the car, I received a letter stating the car was sold for around {$12000.00}. This still didnt cover what I owed to BMO. I still owe BMO Harris Bank {$17000.00}! I dont understand after making payments for so long that I would not even make a dent in my loan. I do not feel I should have received this loan in the first place knowing that it was too high of payments and income but that it was well over the value of the car its self. This is on my credit as a delinquent payment and is putting a hold on my future of buying a house. This has affected me with being able to be approved on even an apartment due to the bad credit. I dont feel I was treated fairly and was taken advantage of by being in a vulnerable state of mind, being very young and naive. I have requested from the bank to receive the loan agreement, payment history, and the auction amount but was denied this information. What I would like to see in the end if we could settle a balance on the car that is manageable to pay off that would make sense for all payments I have made or possibly forgiving the loan. I would like to buy a house in the near future but this has put a hold on things. Not only has this been a problem to get a house but this has been a problem everywhere. I would like to settle things to see my future in a better place. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-08

Powder Spgs, GA

Attempts to collect debt not owed

Debt collection: Mortgage debt

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

Timely Response