BMO HARRIS BANK NATIONAL ASSOCIATION

2016-10-13

Chicago, IL

Customer service / Customer relations

Credit card:

Complaint: I got this Credit card while I was an employee at BMO Harris. During the time that my father passed, I missed a payment and it has been on my credit ever since. It is the only late payment that I have had since I 've had this card and it is affecting my credit score. I have been calling to find a resolution to this situation.
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

Greenfield, WI

Credit decision / Underwriting

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: Yes Timely Response

2016-10-12

Glendale, AZ

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

2016-10-10

Eldorado, WI

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: Made the last payment on 15 year loan in XX/XX/2016. Was informed by bank that I had a balance of {$98000.00}. I applied for loan to buy some time and was turned down because of low income and low credit score. The 15 year loan was paid monthly without missing a payment. {$950.00} a month for 15 years. Total amount paid was {$170000.00}.
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

2016-10-07

Brooklyn, NY

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

2016-10-06

Beldenville, WI

Other

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

2016-09-30

Wonder Lake, IL

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: A line of credit account was opened by BMO Harris without my permission. I did n't find out about the account until I received a notice that I owed {$25.00} for service charge.
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

2016-09-27

Houston, TX

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: Yes Timely Response

2016-09-26

Alafaya, FL

Application, originator, mortgage broker

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

2016-09-26

Fort Stockton, TX

Improper contact or sharing of info

Debt collection: I do not know

Talked to a third party about my debt
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

2016-09-26

Lannon, 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: Yes Timely Response

2016-09-26

Eldorado, WI

Communication tactics

Debt collection: Mortgage

Frequent or repeated calls
Complaint: Disregard the above paragraph, none of your choices fit. We sold our home on XXXX/XXXX/2016, and BMO was paid off by the closing agency. the problem is we have not received our escrow balance.
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

2016-09-23

Ballwin, MO

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

2016-09-23

Bullhead City, AZ

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: in XXXX XXXX my mother purchased a property in XXXX. In XXXX of XXXX she filed a revocable land trust naming me as beneficiary. in XXXX XXXX my mother applied for and was approved for a 2nd mortgage with Harris bank. I was told that due to the land trust, I would need to sign this 2nd mortgage with my mother. In XXXX XXXX, my mother filed chapter XXXX bankruptcy. I was paying the first mortgage, living at the location taking care of my mother. In XXXX XXXX my mother passed. I continued paying first mortgage. I never received any notices from Harris Bank about any money due them. In XXXX XXXX I relocated to XXXX. My mail was forwarded.in XXXX I attempted to purchase an rv. I was denied as a delinquent mortgage was reported by harris bank. I called them and they refused to talk to me stating my mom had filed bankruptcy and they could not talk to me. when I asked for debt validation, they sent me copy of promissory note I signed in XXXX. I called them and explained that I was unaware of any balance due. I explained that this report to credit stops me from refinancing and taking care of my moms debt. I also explained that I did not file bankruptcy and asked why no demand for payment was made before reporting this to credit. since their report, I have suffered extreme financial hardship. I later found out through other sources, Harris bank wrote this loan off in XXXX my mom had continued to pay until she passed. Harris bank states they never sent any notices stating that payments stopped or the loan was delinquent. I do n't have enough personal funds to hire an attorney, or pay the delinquency. Because of the credit report, I cant refinance as my score fell from XXXX to XXXX. I am unable to purchase a home in XXXX. It is my understanding that when a mortgage becomes delinquent, a demand for payment should be made before taking any other action. even if they had started reporting the missed payments on my credit immediately, I would have known and had time to rectify the situation. but they did not report anything on my credit for almost 2 years after payments stopped.
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

2016-09-22

Chicago, IL

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Complaint: We have a balloon mortgage with BMO. The mortgage was due in full XX/XX/XXXX. We have made a good faith effort to refinance our property and pay off the loan. We have been denied this opportunity by BMO as we applied for a mortgage to refinance the balloon mortgage with BMO and not only never completed the transaction, we were never notified either of the status of the loan, the appraised value, and whether or not we were approved for the mortgage. When we had no success with BMO, we applied for a mortgage and were approved, but then BMO foreclosed on us and we could not refinance. Here is a timeline in our attempt to refinance with BMO : XX/XX/XXXX- Met with XXXX with BMO Harris . XXXX told us what was needed to refinance. XX/XX/XXXX- Met with BMO XXXX employee, they referred us to have a realtor come out to the house to appraise it. Not sure why they had a real estate agent come to our property rather than running an automated appraisal. XX/XX/XXXX-XXXX came out to our property. XX/XX/XXXX- Sent the refinance financials and application papers to BMO XX/XX/XXXX- Received a letter of Approval, still needing information Approx. XX/XX/XXXX-XX/XX/XXXX-house of appraised twice. The appraisal was never sent to us. Not sure why it took months to get an appraisal done. XX/XX/XXXX-Received letter from a XXXX at BMO needing some additional information to get to the loan approved, we sent this on XX/XX/XXXX. XX/XX/XXXX-We attempted to make a payment on our current loan but BMO denied our mortgage payment and would not accept the funds when we went to the bank to pay. When I went to the bank, they told us to call another person named XXXX XXXX. We faxed the paperwork to XXXX at BMO. XXXX said not to worry about paying the mortgage right now, it will all be settled in the new loan and that it will be included in our new payment. Since that time, we have heard nothing about our loan with BMO and never received a rejection or a clear to close on the loan. XX/XX/XXXX-Since we could not refinance, we XXXX XXXX XXXX XXXX since BMO did not make a decision. XXXX was in the process of funding a loan on my parents ' ( XXXX and XXXX XXXX ) house to pay off the BMO balloon mortgage when BMO served us with foreclosure papers. This makes it impossible to refinance. BMO has clearly violated a host of lending requirements and has impeded our good faith effort to
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

2016-09-21

Madison, WI

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 explanation

Disputed: No Timely Response

2016-09-21

Madison, WI

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

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

2016-09-20

Albuquerque, NM

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Greetings! I am a member of XXXX XXXX XXXX, that is to say, I have a savings account with them. I am satisfied with this product so I went in to open a checking account. I was given an " Adverse Action Form ''. They could not allow me to open a checking account. They use a reporting agency who discovered that I owe money to a bank called BMO Harris. I 'm quite certain that I have never done any business with this bank. So I gave them a call. The clerk I spoke with asked for my name and SSN, which I provided to her. She said that her records indicate that my SSN reveals a debt owed to them. However, my name does not match the name they have on file linked to my SSN. As I said : I believe that I do not owe this particular bank any money and the fact that they do not have my name on file reinforces my opinion. Please help me get this item addressed. Thank you, 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

2016-09-20

Tampa Palms, FL

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 explanation

Disputed: Yes Timely Response

2016-09-19

Channahon, 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 explanation

Disputed: No Timely Response

2016-09-15

Schaumburg, IL

Managing the line of credit

Consumer Loan: Personal 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

2016-09-09

Campbell, CA

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

2016-09-08

Sun Prairie, WI

Taking/threatening an illegal action

Debt collection: Other (i.e. phone, health club, etc.)

Attempted to/Collected exempt funds
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

2016-09-08

East Troy, WI

Credit decision / Underwriting

Mortgage: FHA mortgage

Complaint: My loan was transferred or sold to another mortgage company and it shows on my credit as a collection account, paid status not reported by all bureaus. Due to this my credit score is lower and I received a higher interest rate when I refinanced.
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

2016-09-07

South Holland, IL

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: Yes Timely Response