BMO HARRIS BANK NATIONAL ASSOCIATION

2019-10-15

Sun City, AZ

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

2019-10-15

Mount Pleasant, 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

2019-10-11

Heidelberg, 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

2019-10-11

Madison, WI

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: On XXXX XXXX 2019, I opened a BMO Harris Platinum Money Market account based on a promotion of a total bonus of {$300.00} associated with this account. The terms required depositing {$10000.00} into the Money Market account and not letting the balance drop below {$10000.00} for the next 90 days. To satisfy this requirement, I deposited {$10000.00} into the account on XXXX XXXX, 2019, and then did not remove any money from the account until XXXX XXXX, 2019 ( 92 days later ). The {$300.00} incentive corresponds with offers ( 2 ) and ( 3 ) on the attached PDF " BMO XX/XX/2019 promo XXXX ''. I also did offer ( 1 ) and received the {$400.00} bonus for that offer, which is relevant to receiving offer ( 3 ). The dispute is with offer ( 2 ). See the attached chat logs for details, but the summary is that BMO Harris says that because I transferred the new money into the checking account I opened for offer ( 1 ), then immediately into the money market account to start the 90 day timer, that I did not satisfy the " new money '' requirement. I think this is a disingenuous interpretation of " not currently on deposit at BMO Harris Bank or its affiliates ''. You can see from the attached account history images that I transferred the money into the Money Market account on the same day that it transferred to BMO 's checking account from an external source. I could have withdrawn the money from the checking account at a branch, held the {$10000.00} in cash for two seconds, and then deposited the " new money '' into the money market account. But that kind of nonsense would be a waste of everyone 's time. I expect better of myself and I expect better of BMO Harris as well.
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

2019-10-11

Itasca, IL

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: We are filing this complaint against BMO Harris for reasons of negligence on their part while the fraudulent activity kept on going with our Home equity and another account for almost 1 year and now enormously distressed by their unfair business practices. We were never contacted to authenticate any such transaction, my signatures were never validated, not a single correspondence. A year later ( XXXX ) we received a letter from the bank notifying us of the overdraft and that we are required to make the payment. My husband, XXXX XXXX went to the bank the very nest morning and discovered that we apparently have a home equity line in the amount of {$610000.00} and a dormant joint account with apx. {$27000.00}. The bank manager was quite helpful ans was able to pull some information. It was discovered that starting XXXX someone somehow accessed our home equity line account and starting transferring money into our joint checking account and on monthly basis was sending money to different banks, one was particularly XXXX XXXX belonging to XXXX XXXX XXXX XXXX The entire year such large transactions kept moving out with fraud signature and received not a single notification. Upon discovering this, we immediately filed a police report, filed a complaint with FBI and FTC. This was all done to provide additional support and assistance to BMO Harris bank in investigating and closing the matter. The bank has been avoiding communication, lack of response. WE had one meeting with investigating team in XX/XX/2019 and other on XXXX, because we were being persistent. There is a matter of statue of limitations as well. The bank is unnecessarily causing delay. FBI has confirmed to the bank that there is no foul play by the client and there is a large racket out which is involved in such fraud activity. Now the bank is asking for our Identity Theft Protection information which is our insurance. We spoke with XXXX XXXX and they were socked as to how the bank can come after our our personal insurance. We have provided the BMO Harris all the contact information of XXXX XXXX and what they are trying to do is reduce their losses. Their exact words.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-09

WA

Opening an account

Checking or savings account: Savings account

Didn't receive terms that were advertised
Complaint: I opened my savings account on XX/XX/2019 in branch in XXXX. The new account bonus for the savings account was for {$200.00} if you deposit $ XXXX in new money into the account and keep the money for 90 days. At the time of opening, the agent said I can deposit {$100.00} as the minimum opening account balance and then move in $ XXXX. I have met all the terms, and now its been 5 months and I still have not gotten 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 monetary relief

Timely Response

2019-10-09

Ft Wayne, IN

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I opened a checking and savings account on XX/XX/19 with a promo that totaled {$500.00} for meeting some terms which included switching my direct deposit and having a minimum of {$10000.00} in the account. I have met all of the requirements and have not seen the bonus. I have reached out to BMO but only received back a generic response.
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

2019-10-08

South Florida, FL

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: Dear CFPB and BMO Harris, I applied for a new BMO Harris Smart Advantage Checking account and a new Statement Savings account on XX/XX/19. At the time, BMO Harris advertised a {$300.00} bonus for the checking account and a {$200.00} for the statement savings. ( I have attached a print out of the application page that confirms the promo code was attached to my application. ) Both accounts were opened on XX/XX/19. The terms and conditions for the bonus, which I also provided as an attachment, specify that " the bonus is paid approximately 120 days after opening. '' Since more than 120 days had passed since my accounts were opened, I contacted BMO Harris via secure message to get an update and inquire about my pending bonuses. For your review, I have attached my secure messages. A representative of BMO Harris claimed that I have met the requirements for the Statement Savings {$200.00} bonus, however, that I did not meet the requirements for the Smart Advantage Checking {$300.00} bonus. For your review, I have attached the first two statements for the Smart Advantage Checking account which clearly show the required opening minimum deposit of {$25.00} was made, the 10 debit card purchases within 90 days of account opening were made and that the PPD deposits over {$500.00} were made on two consecutive months to meet the requirements for this bonus. I decided to file through CFPB upon discovering of numerous complaints online regarding BMO Harris ' reputation for not issuing bonuses to depositors who have met promotion requirements. If any party would like additional information or evidence, kindly reach out to me. Thank you very much.
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

2019-10-05

Wascott, WI

Managing the loan or lease

Vehicle loan or lease: Loan

Billing 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

2019-10-04

Arizona City, AZ

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

2019-10-04

Key Biscayne, FL

Opening an account

Checking or savings account: Savings account

Didn't receive terms that were advertised
Complaint: On XX/XX/2019 I received an email from BMO Harris Bank inviting me to open a Statement Savings account and offering me a {$50.00} cash bonus after qualifying transactions. The email stated : Get a {$50.00} cash bonus. Well reward you with a {$50.00} cash bonus1. Heres how : 1.Between now and XX/XX/2019, open a Statement Savings account with a minimum of {$1000.00} in new money 2. Maintain at least {$1000.00} in the account for 120 days, and you'll receive a {$50.00} bonus. On XX/XX/XXXX I applied for such account using the promo code XXXX that was sent on the invitation email. Later the same day I received a confirmation email informing me that my account had been opened and that the {$1000.00} opening deposit from my external bank has been completed. The deposit posted on XX/XX/XXXX, I waited 120 days as the terms of the promotion stated but my {$50.00} bonus never was credited to my account so contacted BMO Harris Bank on XX/XX/XXXX through their websites secure message and the next day rep. XXXX replied my message and confirmed that I had met the requirements, however he said that he needed to escalate the bonus inquire but first I needed to call customer service and provide an statement of my external account I wasnt sure what he meant by escalate the bonus inquire so I replied back saying that that providing an statement of my external account was not mention anywhere on the terms and conditions of the promo but never received a reply. This is really frustrating because they lure you into opening accounts offering bonuses and then give you the run around when is time to pay, even though I meet the requirements.
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

2019-10-03

Pacific Palisades, CA

Closing an account

Checking or savings account: Savings account

Funds not received from closed 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

2019-10-02

MN

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: Hi i'm missing a XXXX $ sign up bonus with my account for having 2 direct deposits of 500 $ or more and 10 debit card purchases from my account in the first 90 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-01

Louisa, VA

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Complaint: 1 I opened a Savings Account with BMO Harris Bank on XX/XX/XXXX. A initial deposit by check of {$5000.00} was sent to them on XX/XX/XXXX. The check was paid by my Bank on XX/XX/XXXX. Now BMO Harris has put a hold on the funds until XX/XX/XXXX which is 12 days AFTER my Bank disbursed the {$5000.00}. In the meantime the money is idle and not earning interest. This hold of 12 days is excessive and abusive. 2. The interest is not posting as of the end of the month as it is customary with all Banks. BMO Harris says it will show the interest posted at the end of the monthly cycler. 3. To talk to a human at BMO Harris takes usually 30 minutes or more on hold. UNACCEPTABLE! 4. Communications by email go unanswered. 5. When you ask to talk to a responsible Manager you are not allowed and given a runaround. In my opinion, this Bank is a SCAM and should be investigated by Federal Banking Authorities. I have now made a 2nd deposit of {$5000.00} via on-line transfer and they don't even acknowledge that 2nd deposit. I am very concerned that my {$10000.00} will be lost! Please investigate and let me know! Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-29

Scottsdale, AZ

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I was supposed to receive a {$300.00} bonus for opening a checking account with BMO Harris after completing the following requirements within 90 days of opening the account : - 2 direct deposits of at least {$500.00} each - 10 debit card transactions. I met these requirements. I was told that I would receive the bonus 120 days after opening the account, but still have not. I called the bank and multiple long holds was told that the person I spoke with couldn't help me and I had to call back during different hours. I don't have time to jump through all these hoops just for BMO Harris to honor the terms they promised.
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

2019-09-27

Madison, WI

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: In its response to a complaint submitted through the CFPB ( XXXX ), BMO stated that it had conducted a " careful '' and " thorough '' review of my account and determined that I was " qualified to receive the bonus of {$XXXX} ''. However, only {$XXXX} was deposited to my account by the bank.
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

2019-09-27

Noblesville, IN

Closing an account

Checking or savings account: CD (Certificate of Deposit)

Can't 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

2019-09-26

Mountain View, OK

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I opened my checking account on XX/XX/19. They had a promotion for a {$300.00} sign up bonus upon meeting the following requirements : two direct deposits of {$500.00} or more and ten debit card transactions. I met and exceeded these requirements which has been confirmed by the bank on multiple occasions via phone calls to customer service. Based on the terms of the promotion, they said the bonus should be paid out around 120 days after opening the account, so on or around XX/XX/19. I began calling to inquire about the status of the promotion I believe in early XXXX, giving them a few weeks of leeway time after the expected date to receive the promotion. After multiple phone calls over the past month, each representative has told me that I do indeed qualify for the promotion but to keep checking my balance on the following Wednesday morning because the promotions are dispersed on Wednesdays. So each Wednesday I would monitor my balance and see nothing had changed. They keep claiming that they have escalated the issue but nothing ever happens. No one has ever reached out to me to describe the problem, if any. I feel like this promotion was a bait and switch and they never intended to pay out the promised promotion.
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

2019-09-25

Mooresville, IN

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 monetary relief

Timely Response

2019-09-25

Loves Park, IL

Closing an account

Checking or savings account: Savings account

Can't 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

2019-09-21

Saint Clair, MO

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated fees
Complaint: XX/XX/2019 deposit for XXXX $ XX/XX/2019 debit for XXXX $ XX/XX/2019 Debit for {$1600.00} returned XX/XX/2019 {$36.00} NSF fee accessed Institution refuses to credit nsf fee / merchant is also charging {$25.00} retuned item. In this case the bank states if I were to have taken the deposit to institution vs. submitting to the institution mobile the item would have been honored. Due to the posting order of items and the positive balance reflected on my account I had no way to predict or protect myself from the fees. This institution is notorious for inconsistency and ill compassion. Previous fee credits were bank 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

2019-09-17

Madison, WI

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I opened a checking and savings account with an offer of {$300.00} for the checking and {$200.00} for the savings in BMO Harris Bank when I finish 2 direct deposit in 2 months and {$10000.00} balance on XX/XX/XXXX. I have already met all the requirements for more than 2 months. I opened the account with my friends together and they all got the bonus at the beginning of XX/XX/XXXX. But I never got it. I have called BMO Harris Bank 10s of times and every time they keep me waiting for more than 1 hour and then told me I have already met all the requirements and just need to wait a few days, one more week and next month. I have been waiting day by day, week by week and month by month for more than 3 months but I still got nothing. I spent more than 20 hours contact with them about this problem but haven't been solved. That's the worst experience I ever have with a bank. I suffered a lot in the meantime.
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

2019-09-14

Charlotte, NC

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 monetary relief

Timely Response

2019-09-12

Glendale, AZ

Other features, terms, or problems

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

Problem with balance transfer
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

2019-09-12

Chicago, IL

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft 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