BMO HARRIS BANK NATIONAL ASSOCIATION

2017-05-02

Fitchburg, WI

Problem with the payoff process at the end of the loan

Payday loan, title loan, or personal loan: Title 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

2017-04-28

Mehlville, MO

Incorrect information on your report

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

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

2017-04-28

Lannon, WI

Opening an account

Checking or savings account: Other banking product or service

Didn't receive terms that were advertised
Complaint: I opene d a BMO Harris Money Market accou nt on XXXX XXXX , XXXX . I was to receive a bonus of {$200.00} for keeping {$10000.00} in the account for 90 days. This bonus was to be paid within 120 days of account opening. I met the bonus requirements. As of today, XXXX XXXX , XXXX I have not received the bonus. The bonus was to be paid by XXXX XXXX , XXXX . I contacted the company via secure message on their website on XXXX XXXX , XXXX , inquiring about when I will receive my bonus. This was their response : " Please know that the marketing team reviews accounts after they have been open for 120 days. If you have fulfilled the new account bonus requirements, they will typically deposit the new account bonus withi n ten busine ss days. Due to the high demand for the new account bonus, the marketing team has been running two to three weeks behind schedule. If you can provide us with the new account bonus code utilized when you opened your account, we will be glad to escalate your account to the marketing team for review. I hope that this information is helpful and do apologize for any confusion or inconvenience. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-04-26

Madison, WI

Problem when making payments

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

You never received your bill or did not know a payment was due
Complaint: After being a customer of BMO 's for 8+ y ears, I had my first misstep. I have a checking account, savings account, overdraw line of credit and credit card through them. In XXXX of XXXX , I missed my first payments ever. It was an honest mistake, but I just forgot to pay the bill - a true human error. I was never called, emailed, texted or otherwise notified that I had missed a payment. I did n't realize that I had goofed until XXXX XXXX , not BMO, let me know that I had missed a payment and my scored had dropped by XXXX points. I called the company, apologized and admitted that it was a goof on my end but I also mentioned that I was never notified that I had an overdue payment. That helped nothing. They told me that there was nothing they could do to help me since it was " not their fault '' and that I could file a formal dispute. Before filing the formal dispute, I went into a BMO branch to explain to them what had happened. They seemed enthusiastic to help me since they could see that I had done business with them for so long, but I was also told by the manager of the branch that there was nothing she could do either and that I 'd have to follow up with the people who handled the credit cards directly. Needless to say, I filed a formal dispute with the credit card division within BMO and received response stating that the " information being disputed was verified as accurate and would not be changed. '' Document is attached. I want to make it absolutely clear that I did not receive any communication whatsoever from BMO letting me know that my payment was overdue and I was at risk of a derogatory mark on my credit report. I think I received 1 voicemail from them after my credit report had already been hit. I never once asked that they refund me the late fees, I was perfectly willing to pay them. I only asked that they remove the derogatory remark from my credit report as I felt that there was something they could have done to help prevent the situation. This all occurred after they completely wiped my credit card rewards with no warning. I would not recommend doing credit card business through BMO. They have some serious work to do from a customer service perspective.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-04-25

River Forest, 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 explanation

Timely Response

2017-04-21

Hinsdale, IL

Account opening, closing, or management

Bank account or service: Checking account

Complaint: In XXXX XXXX , I opened a bank account with BMO Harris Bank in which I would earn a {$300.00} bonus after completing XXXX direct deposits. My XXXX direct deposit was completed on XXXX XXXX , XXXX . It is more than 100 days since completing the requirement and I still have not received my {$300.00} bonus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-19

Oak Creek, WI

Incorrect information on credit report

Credit reporting:

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

Disputed: No Timely Response

2017-04-18

Williamston, MI

Loan servicing, payments, escrow account

Mortgage: Home equity loan or 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

Disputed: No Timely Response

2017-04-15

FL

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I have a checking account with BMO Harris ( the bank ) and am required to maintain a balance of at least {$2000.00} to avoid a monthly charge. I looked at my account online this afternoon and discovered that the bank assessed a {$15.00} charge to my account on XX/XX/2017. I contacted the bank and asked the customer service representative ( the rep ) with whom I spoke the reason for this charge. She stated that it was due to my account balance decreasing to less than {$5000.00}. I informed her that I received a notice two or three years ago stating that I must maintain a balance of at least {$2000.00}, but that I was unaware of the requirement to maintain at least a {$5000.00} balance. I asked her when my account terms changed and when the bank issued the notice to me. She reviewed the account further and confirmed that I was only required to maintain a {$2000.00} balance. She stated that the fee was assessed in error and that she would reverse the charge. However, I believe this error, without the rep even understanding why it occurred, reflects a major flaw in the bank 's compliance management system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-14

Bloomington, MN

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: My dealership never went over what finance company had my loan. I knew what month payments were to begin and I figured I would for sure get some notification ( email, mail, customer service call etc ) and I never received anything. I had no idea at this point how I could ever find anything out since nobody has contacted me in any way! A collection agency called me and I made the prior and current month payment, they never informed me who my loan servicer was. So, process repeated itself, this time I did n't get a call so I decided I would call random banks and see if they had an active auto loan with them. When I called BMO Harris, they said yes. I explained my situation and frustration with the company and how that 's not a great start for a new customer to the business. I asked if this was going to impact my credit and the representative said yes because it was past 30 days. I then re-explained the situation and frustration and she said that if I could provide proof that I had the money in my accounts ( which I had ) at the time of payment being due that they could reverse the credit hit. She was going to see if we did n't have to even go through those steps of providing proof by checking with a manager and calling me back. She called me back and said that even providing proof she wo n't reverse it because my mailing address was correct. I explained I just recently bought the house I 'm in and I have n't received any mail from BMO and that I clearly had no idea who had my loan as I called multiple banks to find where my loan existed. They said they do n't send out emails and that the mail is the only documentation they send. I said I live in a townhouse and have a small mailbox within a pod of other mailboxes for everyone else on my block since they 're town homes as well. The representative would n't do anything for me. I have PERFECT payment history for all my auto loans and this is my fourth I 've ever had. I even said, let this conversation go on record! I now know who my loan servicer is and we have had a conversation about what I need to do going forward. Leaving that conversation feeling like the representative/company thought I was lying and actually an irresponsible person trying to take advantage of their business is sickening, disrespectful and unfair.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-12

Atlanta, GA

Application, originator, mortgage broker

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I submitted a mortgage application with a mortgage banker, XXXX XXXX, who works at the XXXX XXXX Branch of BMO Harris Bank ( XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ). He mishandled the application so badly that we would have been unable to close on our home at the already agreed upon date. As a result, we withdrew the application and secured a mortgage through another bank. The current issue I have is that XXXX XXXX and BMO Harris Bank ( including his supervisor, XXXX XXXX, and the branch manager, XXXX XXXX ) refuse to return my {$490.00} application deposit. As unprofessionally as my application was handled, at this point, I simply want my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2017-04-11

Sedona, AZ

Account opening, closing, or management

Bank account or service: Checking account

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

Disputed: No Timely Response

2017-04-07

Chicago, IL

Late fee

Credit card:

Complaint: I submitted a complaint back on XX/XX/XXXX regarding the one 30 days late payment I had on this card which was accrued after the passing of my father. I was granted a removal of the late payment from my credit report via a letter from BMO Harris Bank. Fast forward to today, XX/XX/XXXX, I open my XXXX and the payment has been placed back on my report with no written notification to me which is a direct violation of consumer protection laws.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-07

Syringa, VA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: During the third week of XXXX I came across and advertisement by BMO Harris Bank to open a checking account, satisfy " 1 ) Open a new BMO Harris Everyday Checking ( R ), BMO Harris Select Checking ( R ) or BMO Harris Portfolio Checking ( R ) account between XX/XX/XXXX and XX/XX/XXXX in a BMO Harris Branch or by calling XXXX. 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. " I then called the number listed on the advertisement and spoke to a representative who I asked to confirm that an ACH deposit that comes in with the account number and routing number qualifies as a direct deposit, and I was told YES. Based on this, I opened over the phone with that representative. They sent me a package in the mail that had account information and my signature card. I sent the signed signature card back, and went on banking normally. I then had to ACH deposits into my account from an external source for work I did credit into the account each for more than {$300.00}. After both posted in the account, I called and spoke to a representative who informed me that this WOULD satisfy the requirement for the bonus ( FlexCodeXXXX ) and that I was all set, because it was just " outside money. '' Feeling a bit hesitant because that representative used wording that was neither on the offer nor had been used by the other representative, I thank the representative and hung up, and called back the next day to again to confirm. This time, the representative first said the same thing as the representative I spoke to on the day prior " foreign money, '' however when I asked her to double check, she came back and told me that she had miss informed me. When I asked to speak to a manager, she put me on hold for over 20 minutes, and then the line just disconnected. I called again and had to jump through hoops to get to a manager where I was told that those deposits would not qualify me for the bonus. When I asked to speak the a manager, and had a representative from corporate call me back, they said and I quote " NO one here will give you a bonus. '' They then continued to be very rude and yell at me over the phone, and it was a very uncomfortable conversation. It has been a huge headache and a pain to deal with this bank as they treat their customers very poorly and do n't honor their marketing campaign. They deceived me to open an account, and than do not want to honor the bonus for me, but rather want to treat me rudely.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2017-04-05

Chicago, IL

Problems caused by my funds being low

Bank account or service: Checking account

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

Disputed: No Timely Response

2017-04-05

Port Washington, WI

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response

2017-04-04

Addison, IL

Deposits and withdrawals

Bank account or service: Other bank product/service

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

Disputed: No Timely Response

2017-03-31

MI

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: BMO Harris Bank XXXX, WI XXXX reported {$4.00} late payment on my credit causing it to drop 100 points. BMO Harris was contacted via phone on XX/XX/2017 and could not give a detail of where this information came form. I was transferred to a Dispute department and they sent me a dispute form to fill out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-03-29

Buena Vista, WI

Identity theft / Fraud / Embezzlement

Credit card:

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

Disputed: No Timely Response

2017-03-28

Green Oaks, IL

Account opening, closing, or management

Bank account or service: Savings account

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

Disputed: No Timely Response

2017-03-28

Portland, OR

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I had several accounts at BMO Harris Bank in XXXX that were closed on XX/XX/XXXX. I had to wait until XX/XX/XXXX to access my funds to ensure there were no outstanding claims against the money. They closed my accounts and gave me the remaining balance. I was contacted by a debt collector XXXX in XX/XX/XXXX ( almost a year later ) indicating I had an overdraft charge. I filed a dispute and they stated I would get something in the mail. I never received follow up on this despite repeated attempts to obtain resolution. Then In XXXX, I was contacted by a debt collector, XXXX for the same debt. I have been disputing this debt for an additional 2 1/2 months, in writing with the debt collector and the bank. No one has provided me with documentation that proves I created the overdraft, who may have been paid with funds, or anything other than a bank statement showing a " previous balance '' from XX/XX/XXXX, a month after the account was closed. I have spoken with multiple employees at BMO that confirm I owe nothing. I have confirmed with all of my creditors that no payments received by them were drawn on BMO after the date I closed the account. After 6 months of calling them and being repeatedly told I did not know anything, I was finally offered to be transferred to the credit reporting area of the bank " If I thought that might help '' and the employee there said I owed it but hung up on me when I attempted to find out what caused the charge in the first place. I am still being reported delinquent and still getting calls well after the 30 day window for dispute resolution. Each attempt to get information ends in my being directed to take it up with whichever party I do not have on the phone. This is impacting my credit and I am getting no where with either the lender or the credit reporting agency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-03-24

Phoenix, AZ

Account opening, closing, or management

Bank account or service: Other bank product/service

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

Disputed: No Timely Response

2017-03-16

Wonder Lake, IL

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: 1.Please see pay off amount attach to Harris bank XXXX as per bank letter payoff amount {$41000.00} 2. See attach XXXX XXXX XXXX 3. Harris Bank letter to XXXX no delinquent payments what about other XXXX credit reporting agency XXXX admitted to me some one keep changing auto loan information and she also told me car in XXXX I did not work with her my wife did.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-03-14

Naperville, IL

Deposits and withdrawals

Bank account or service: Checking account

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

Disputed: No Timely Response

2017-03-12

WI

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: I need help with BMO Harris suspicious account activity. I have had 2 loans with Bmo harris for many years. 2 Mortgage loans. I went through a bankruptcy in XX/XX/2009 and reaffirmed on both loans. I have been making 2 monthly payments and I have recently tried to refinance with a different bank. I just found out that the 2nd loan has been sitting in a bankruptcy hold account and my payments have not been being applied to this loan. And on top of this they have applied over XXXX in Late charges to the account with out contacting me of any problem. I asked the representative why I was not contacted and she said because they can not contact an account in bankruptcy. The acct has been out of bankruptcy since XX/XX/2009. PLease help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response