BMO HARRIS BANK NATIONAL ASSOCIATION

2016-11-14

Sm, KS

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

2016-11-07

Buckeye, AZ

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

2016-11-04

Phoenix, AZ

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

2016-11-04

Chicago, IL

Using a debit or ATM card

Bank account or service: Other bank product/service

Complaint: On XX/XX/2016, at XXXX, I went to an outside ATM machine at BMO Harris Bank, XXXX, IL., to withdraw {$640.00} from my XXXX card. However, the ATM never dispensed the money, money never came out, though it gave me a receipt as if it had given me money. The next day I went back to the bank to speak with the bank Mgr. ; he told me that BMO do n't manage the ATM 's outside, though they have BMO 's name on them. So I contacted XXXX to open a claim. On XX/XX/2016 I got an email from XXXX informing me that the 3rd party vendor who manages the outside ATM 's at that location submitted documents that indicate the ATM 's showed no surplus. But regardless, the machine never gave me money that night, and I 'm very confident the bank 's and ATM 's cameras ( which I 'm quite sure they are equipped with ) will reflect this.
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

2016-11-04

MN

Using a debit or ATM card

Bank account or service: Checking account

Complaint: I Made An Online Purchase And Did n't Receive The Product. I Had Contacted The Merchant And They Sent me a Refund E mail Telling Me To Contact My Bank " BMO Harris '' in Order To Get A Refund. I Contacted BMO Harris and They Told Me That They Would Send Me A Claim Form To Fill Out And To Drop It off at Any BMO Branch. After A Week I Still Did n't Receive The Claim Fourm And Contacted BMO Harris Again And They Said They Would Send The Fourm Again. Instead Of The Claim Forum I Received A Letter Telling Me That My Dispute Is With The Merchant Over An Authorized Transaction And That They Will Not Continue The Claim And BMO Was Closing My Claim. ( This Is The Refund E mail From The Merchant ) Important Order Info Inside ... Act immediately if you want a 100 % REFUND on your order. Your order will NOT ship! Please read below and follow the instructions very carefully. Failure to follow the instructions will mean you will not receive your refund. As was stated in a previous email, the money you paid for your order is being sequestered by XXXX and as much as we would like to refund you directly, we can not as we have been locked out of managing our XXXX Account. However, this does not mean that you can not receive the FULL REFUND that you are owed. Follow the following instructions in order to get your money back ASAP. 1. If you paid for your order via XXXX, log into your XXXX account and effect a dispute on your payment to XXXX XXXX. If you paid for your order via Credit Card, please contact your bank or credit card issuer as soon as you are able. Again, we sincerely apologize for any inconvenience this has caused by XXXX. The Management XXXX This Is The Only Information The Merchant Is Providing Witch Gives Permission For My Bank To Reverse the Charges. I Do n't Know Why The Bank Will Not Reverse The Charges??
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

2016-11-01

Brooklyn, NY

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

2016-11-01

Wonder Lake, IL

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: I have a personal checking account and an auto loan through BMO Harris bank. I have an automatic debit set up for the XXXX of each month for the amount of XXXX to pay my auto loan. On XXXX/XXXX/2016 at XXXX XXXX XXXX was taken out of my personal checking account without my knowledge or consent. ( XXXX was pending ) Upon realizing this, I immediately contacted BMO. On my first phone call, the customer service representative informed me that it was a transfer to my auto loan, when I asked why the amount was significantly higher than it 's supposed to be she said " I do not know, let me look into it '' after being on hold for 35 minutes, the representative returned and informed me that she did not know why, and there was nothing they could do. At this point, I am livid. I then went into the branch and asked to speak with a banker, after an hour with the banker I STILL had no answers as to why so much money was taken out of my account. When I asked to have a stop-payment placed on the transfer, they said there was nothing they could do. So I called AGAIN. This time a gentleman helped me, listened to me and gave me some answers. BMO had taken and extra {$730.00} out of my personal checking, claiming I owed " late fees and other fees '' as a consumer, I was never informed of any late fees, in fact when I called BMO AND visited a branch, I was told that my balance on the loan was XXXX. When I asked to be credited back the XXXX, they told me no, that the transaction needed to post first, that it would be 1-2 business days before they could do anything. ( Now I 'm short XXXX on the first of the month ) keep in mind, no one knows why this is happening, they are also doing nothing to stop or correct it. When I asked for a credit for the amount, I was again told no. So this morning on XXXX/XXXX/2016 the payment posted to my account, after arguing my point to the representative she said she would " see what she could do '' about getting me my money back. Since they have returned only XXXX of the XXXX extra they took for no documented reason. There was NOTHING saying that I owed any late fees, and they did not have my permission to take the money, I should not be fighting to get it back. To me, they stole my money and would not tell me why or make it right. Absolutely no financial institution should operate in this manner and treat their customers as I was treated.
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

2016-10-31

Palmetto, FL

Billing statement

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

2016-10-29

Phoenix, AZ

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

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

2016-10-28

Huntley, 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: Yes Timely Response

2016-10-27

Orchard Park, NY

Rewards

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

2016-10-27

Lisle, IL

Managing the 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

2016-10-25

Discovery Bay, CA

Advertising and marketing

Credit card:

Complaint: Credit card company denied charge back on the purchase of a pet food supplement. The product did not match the description on the website. The credit card company demanded written testimony from an expert ie veterinarian or pet food store stating that the product was not as described. This, despite my providing proof that the description on company website differed from the fact sheet that was included in the actual product.
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

2016-10-24

Mesa, AZ

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

2016-10-24

East Troy, WI

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I opened a checking account with BMO Harris Bank, which came with a {$200.00} bonus offer to be paid within approximately 120 days of account opening. It has been over 120 days since I opened my account, and I have fulfilled all the terms of the offer, but have not yet received my bonus. I contacted customer service, and they said that they were unable to see the status of the bonus, but that their marketing team was running 2-3 weeks behind schedule. However, it has already been more than 3 weeks since my account was open for 120 days, so even according to their delayed time frame, I should have received my bonus by now.
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

2016-10-22

La Jolla, CA

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

2016-10-21

Fayetteville, GA

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

2016-10-21

Milwaukee, WI

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: Yes Timely Response

2016-10-20

Zionsville, IN

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

2016-10-19

Lannon, WI

Loan servicing, payments, escrow account

Mortgage: Other 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

2016-10-18

Gilman, IA

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

2016-10-18

IL

Account opening, closing, or management

Bank account or service: Savings account

Complaint: When I was XXXX I got my first part time job and put all of my money into a savings account in my name. It went untouched for several years and when i was about XXXX or XXXX I went to retrieve my money, excited to see how much interest had accumulated, only to be told my account was closed due to inactivity, and the money was no longer there. I asked the teller where my money went and she claimed that there was no record of money being in my account although I showed her my bank book with the date of deposit and the balance. Being young and naive I let the situation go thinking there was no way to solve this problem. Since then the bank has closed. I have checked at www.unclaimed.gov and www.missingmoney.com with no luck. There has to be some kind of record left stating where my money went, or if someone took the money.
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

2016-10-17

Chicago, IL

Credit decision / Underwriting

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: Yes Timely Response

2016-10-13

Chicago, IL

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

2016-10-13

MN

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I opened a checking account with BMO Harris bank on XX/XX/XXXX. I opened this account in the XXXX XXXX, MN branch location. I brought with me a coupon for a promotion to open the account. The coupon and the bonus terms and conditions are attached to this file. The terms are that I will receive a {$200.00} bonus for opening a new account and setting up a recurring direct deposit of {$300.00} or more. The terms say that the bonus will be credited within 120 days. I contacted BMO Harris Bank and asked why my bonus was not credited. Initially, I was told it would be credited to my account within 10 business days. Later I was told that I did not meet the terms of the contract. I was told that I had an account open within the past year. This is not true. The most recent time I held an account, in any form, with BMO Harris, was XX/XX/XXXX. According to a BMO customer service representative, I closed that account on XX/XX/XXXX. The terms of the offer say : " Offer not available to existing BMO Harris personal checking account customers or those who have closed a BMO Harris personal checking account within the past 12 months of opening a new account as part of this promotion. '' Since I opened my new account on XXXX/XXXX/XXXX and closed my most recent previous account on XXXX/XXXX/XXXX, I did not have an account with BMO Harris for over a year, and during no part of 12 consecutive months. I have otherwise met the terms and conditions of this offer and as such, BMO Harris is in breach of contract. They have refused to credit the {$200.00} bonus to my new checking account after 120 days. I also feel that this is false advertising on the part of the bank, and has wasted some of my time and likely the time of its employees in researching this matter. I acted in good faith, met the terms of the offer, and expect the bank to hold up 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 explanation

Disputed: No Timely Response