BMO HARRIS BANK NATIONAL ASSOCIATION

2016-12-22

Anthem, AZ

Loan modification,collection,foreclosure

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

2016-12-19

Itasca, IL

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: XXXX XXXX, XXXX Consumer Financial Protection Bureau Dear Complaint Department : In XXXX we took out a Line of Credit loan from BMO Harris Bank. In XXXX we learned by letter that our loan was coming due in full on XXXX XXXX, XXXX. We had no idea a Line of Credit loan matured with a balloon payment 15 years in the future. It was a Line of Credit! We always made our loan payment of approximately {$90.00} per month on time and never late. Around three years ago, we started increasing our monthly payment to {$150.00} per month. This allowed us to pay on the principle and pay off the loan quicker. When we were notified that the full balance of the Line of Credit was coming due XXXX XXXX, XXXX, we tried to refinance our home mortgage including this balance of {$40000.00}. But because of our financial hardship at the time, we could not qualify. I 'm a XXXX Veteran with a XXXX XXXX. Once again, we tried to refinance our home mortgage, and this time we qualified. We were also able to lock-in a very good interest rate before they recently increased. Everything was going great until BMO Harris indicated we were 252 days late on our Line of Credit balloon payment. Even though we were continuing to pay our monthly payments on time, we were trying to include BMO Harris as a Subordinate positon to our home mortgage and get this loan active again... they refused. See, they have already written off this Line of Credit loan. But because BMO Harris wants to play hardball, we are going to lose our lock-in and may not ever to be able to qualify for a loan again. The interest rates have already gone up since we locked-in this great rate. Our lock-in expires XXXX XXXX, XXXX. This means we must pay an additional {$300.00} to lock-in for two more weeks. BMO Harris is intentionally blocking our refinance opportunity knowing we are about to lose our lock-in. This after being loyal customers for over 40 years. I guess if you are meeting their expectations you are FAMILY, but once you fall out of place they treat you as if you have the plague. After making phone calls to BMO Harris ' Loss Mitigation department over several weeks, XXXX recommended providing them with a settlement letter. We could come up with {$10000.00} from a friendly legal outside source. I spoke with XXXX, the Team Leader through XXXX and XXXX has declined our {$10000.00} Settlement offer. XXXX requested {$24000.00} as a Settlement, but {$10000.00} is the maximum amount we could obtain. We do n't understand why BMO Harris would intentionally block an opportunity to receive our {$10000.00} Settlement offer, or get this {$40000.00} loan back on the books and let us pay our monthly payment again like we have for 15 years. We can extend our lock-in two more weeks, at an additional cost of {$300.00}, and then all hope is lost. Why is BMO Harris being like this? Please help us. Sincerely, XXXX & XXXX XXXX XXXX XXXX XXXX
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

2016-12-16

Alden Manor, NY

Shopping for a loan or lease

Consumer Loan: Vehicle loan

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

2016-12-15

Northbrook, IL

Billing disputes

Credit card:

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

Disputed: No Timely Response

2016-12-14

East Troy, WI

Account opening, closing, or management

Bank account or service: Checking account

Complaint: BMO Harris bank sent an offer to my house ... open an account with {$10000.00} for 90 days and receive {$200.00} bonus. I opened an account in XXXX. I went to cash out the acct a little over 90 days later and was told payment would be made 120 days after opening the account. I think 90 days MEANS 90 days NOT 120.
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

2016-12-13

Naperville, IL

Problems caused by my funds being low

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

2016-12-12

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

2016-12-07

IA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: As I anticipated, BMO Harris Bank added a late fee to my bill this month. My mother called on XX/XX/XXXX to make payment for me and they were going to add a XXXX charge for paying over the phone. There is also a charge to pay online. They told her the only way they would not charge was if she sent a check. So she did send a check that day for the payment amount. I kept checking online to see if the check had been applied to my account but it was taking longer than I thought. My mom said the money was still in her account as well. I kept trying to get in contact with BMO as I anticipated they would add a late fee if the payment was not made by XX/XX/XXXX. The check definitely arrived by XX/XX/XXXX as it was sent first class normal mail. That never takes longer than a few days. BMO decided to add a late charge anyway. This is not right. They want to charge people to pay them no matter how people decide to do it - whether the service fee for over the phone or via internet, or whether a late fee for sending a check. In addition, now it says my account is in default when it really was not. This sets me back from being able to get online access even more. These are absurd practices done by a giant corporation trying to take advantage of the little guy.
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

2016-12-07

IL

Using a debit or ATM card

Bank account or service: Checking account

Complaint: I filed a dispute for an unauthorized charge to my debit card. I also filed a police report for theft relating to the same matter. The BMO Harris XXXX failed to obtain the police report number, XXXX contact information, contact information for the local police office, etc., to investigate, and did not contact the authorities at any time. Instead, I received a letter from BMO Harris stating that my claim was denied, and closed. In short, I used my debit card at a XXXX gas station located in XXXX, IL. I inserted my card at the pump, and proceeded to pump XXXX gallons of gas into my portable gas can. After a few days, when reviewing my checking account activity online, I noticed I was charged {$58.00} for what was a {$6.00} purchase. I have been in contact with the corporate office of XXXX, and with BMO Harris, my debit card provider. I filed a police report with the XXXX Police Department. I also filed a dispute for the charge with BMO Harris, per the recommendation of the representative from XXXX XXXX she told me there was nothing more they could do because there was an open and active police investigation pending ). As of XX/XX/2016, I received a letter from BMO Harris denying my claim. Apparently, XXXX somehow generated a receipt showing XXXX gallons of gas purchased at a cost of {$58.00}, and BMO Harris simply accepted that as a basis for denial of my claim without noting the police report of theft, and without taking any information pertaining to it, and without contacting the XXXX Police Department. When I called to ask about this, the representative I spoke with ( not in the dispute department, simply a call center representative for all banking customers XXXX told me after he put me on hold that he spoke with the XXXX and attempted to pass along the police report number, XXXX name, and contact information for the police department, but was told by the XXXX that she would not look at the information or take it into account. He apologized and told me there was nothing he could do. If all other factors are ignored in this case, at the very least it should be noted that my vehicle according to the owner 's manual has a fuel tank capacity of XXXX gallons. It is not possible for me to pump XXXX gallons if I wanted to, notwithstanding the fact that I only pumped XXXX gallons into a red plastic portable gas container for my lawnmower that day.
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

2016-12-03

Bloomington, MN

Improper contact or sharing of info

Debt collection: Mortgage

Talked to a third party about my debt
Complaint: I sent a letter requesting removal/deletion of erroneous hard credit inquiries. I used the addresses as published on my personal XXXX credit report. The mail comes back " not deliverable as addressed- unable to forward. '' If XXXX is publishing fictitious addresses, how am I able to have the inquiry deleted? I have had this problem with the phone numbers that are published as well. Please advise! Thanks in advance!
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

2016-12-02

IA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I have XXXX complaints about the online banking access for auto loan customers. XXXX. BMO Harris bank has a policy that your loan remain in good standing for XXXX months before you are allowed view your loan via BMO Harris XXXX Banking. There is no justification for this policy other than that it makes it much more difficult for people to make payments and to view their loan information. People who have gone into default are clearly already struggling, so why would an entity make it more difficult to access payment methods or to view loan information. Banks should be in the business of making it simple for customers to pay them back timely. In addition, when they are extra charges or something of that nature, it is impossible to investigate without online access unless you take the time to call a representative at BMO which can take a very long time with lots of tranfers to different people. We live in a world where people have easy access to the internet no matter what socioeconomic bracket they XXXX fall into. It is predatory to create barriers to access to those who have struggled in the past. The only reason I can think of to justify this policy is that XXXX actually has financial interest in people defaulting as they can issue fees or reposess. If they do not have this financial interest that I suggest, then I would like to know what interest they do have. XXXX. When I was in default, I was told I could not have online access. Several people told me that if I got out of default, I would have online access. I struggled really hard and made up payments by skipping out on many other things to find out that when I was finally caught up, I still would not have access. No XXXX EVER told me there was a XXXX month waiting period. In fact, the last time I called and found out that I did not in fact have online access, the representative told me that I would never have the option of online access because people who go into default never get it. When I received this formal letter from XXXX, that is the first time I had ever heard of such a policy, which bolsters my first complaint - I would like online access because the representatives that I speak to over the phone often have no idea what they are talking about and can not help me. I also have a complaint in response to the letter that was addressed to my first complaint. It said that no one ever told me I owed {$4000.00} dollars. When the man came to repossess my car ( which I did n't know was going to happen because BMO did not warn me of this ), he told me to my face that unless I paid {$4000.00} dollars then I would lose my car. And I told him he was incorrect, but he refuted many times and said that is what XXXX told him. The {$120.00} charge for repossession should not even be a charge because at the time the man came to reposess the car, a check my mother had written days before was being processed at BMO for payment. In addition, my mother had called several days before, several times, trying to make a payment but they would not let her make XXXX over the phone. BMO practices predatory policies in every regard and transaction I have had with them. I know I screwed up and got myself into default, but I paid the fees and got out of it so I should be treated fairly.
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

2016-12-02

Glendale, WI

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

2016-12-01

Dyer, IN

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 monetary relief

Disputed: No Timely Response

2016-12-01

IA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: The bank continues to ignore my requests to access my loan and make timely payments. They will not call or email me back although I have requested it several times. I need to be able to access my loan information and make payments before late fees are accumulated.
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

2016-11-30

Jacksonville, FL

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: Yes Timely Response

2016-11-30

Bloomington, MN

Using a debit or ATM card

Bank account or service: Other bank product/service

Complaint: I have a duplicate charge from a XXXX for {$25.00} on XXXX/XXXX/16 and have tried to get it resolved with BMO Harris and the XXXX. Neither one is helping me and I do n't know how to get 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: No Timely Response

2016-11-29

Washington, DC

Account opening, closing, or management

Bank account or service: Savings account

Complaint: I had an account for around {$1000.00} at XXXX at the XXXX, Wisconsin branch before that bank was purchased by BMO Harris bank. I was unaware that the bank was being purchased, and I was living abroad for several years before learning about the purchase. I then contacted BMO Harris bank to retrieve my money, and they have told me that they have no records of this account. They instructed me to contact the office of unclaimed property in the state of Wisconsin, which I did. They had no records of this account either. I have a banking statement of the account in question from XX/XX/XXXX, but BMO Harris refuses to honor this issue. Please advise.
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

2016-11-29

IA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: The bank is making it nearly impossible to pay my auto loan. I have called almost 100 times and still can not get through to make a payment. My mother waited on the phone for an hour and got through to someone only to find out that they charge {$15.00} for making a payment over the phone. I need online access to make charge free payments and they will not grant it to me. I have charges that I do not understand and need to be explained except I can not reach anyone to do so.
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

2016-11-25

Madison, WI

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

2016-11-23

Beaver Dam, WI

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

2016-11-22

East Troy, WI

Managing the loan or lease

Consumer Loan: Installment loan

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

2016-11-21

IA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: My auto loan bank, BMO Harris, is not allowing me to access my loan information online and is making it extremely difficult to access loan information by phone. I just got caught up on my loan payments as I got behind when I got laid off from my job. When I was in default, the bank said I would not be able to set up an online account to look at my information and make payments. I understood, but then I got caught up on my payments so I owed {$XXXX} as of XX/XX/2016. I called to set up online banking but they told me I could not set up online banking because I was once in default and now can never set it up. This is very problematic for me because I need to be able to access my account to keep caught up on my payments. Today it says I owe {$440.00} dollars - three days later - and I do n't know how. My monthly payment is supposed to b {$290.00} so I do n't know what the extra charge is and I ca n't go look on my online account to see. I tried to call and the auto loan management number, which always works, wo n't register my social security number or auto loan number after calling and attempting at least a dozen times. I can not talk to anyone at BMO without getting through typing in a valid SSN or loan number so I can not talk to anyone about these charges. BMO seems to be deliberately making it difficult for me to make my auto loan payments. They have also tried to repossess my car unlawfully, citing that I owed {$4000.00} when I really owed {$400.00} and had made the payment but they had n't processed it yet. They are not working with me to allow me to make timely payments and wo n't let me have access to the information I need. It 's like they want me to default so that they can re-possess the car. I will not sit by while this happens to me and they keep making unlawful charges and not helping me pay.
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

2016-11-20

Rockford, IL

Using a debit or ATM card

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: Yes Timely Response

2016-11-18

Bellevue, WI

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: Yes Timely Response

2016-11-16

Scottsdale, AZ

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I contacted BMO Harris regarding our XXXX auto loans that we have financed with them. Both loans are current accounts & have never been past due. My husband recently was out of work due to XXXX & there was payroll issue with his check. To avoid being late, I contacted BMO Harris to inquire about a deferment/extension since this would be an a short term issue as it was already in process of being rectified. After they reviewed the accounts, while I did qualify for the deferment/extension they would not approve it because it was based on my husband 's income interruption & not mine, but both loans were listed in my name since I usually handle the car shopping for our household. I explained to the representative as well as the supervisor that our household works off a joint income and a delay of {$1000.00} was an impact to paying our monthly bills as it would be for many people. They still declined the request again for the only reason being that it was not my direct income being impacted. I feel I was provided a lack of service due to being honest. As a good consumer who pays bills in a timely fashion, I feel this situation should have been looked at with a different level of scrutiny vs. to the letter of their policies. Working in the same industry, I understanding having policies, regulations, and guidelines, as well as when there is room to service the consumer with flexibility within those same practices.
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