BMO HARRIS BANK NATIONAL ASSOCIATION

2016-09-07

Sun Prairie, WI

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: Yes Timely Response

2016-09-07

Lake Shore, MD

Problems when you are unable to pay

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

2016-09-05

Avalon, MO

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: Yes Timely Response

2016-09-04

Palos Park, IL

Settlement process and costs

Mortgage: FHA mortgage

Complaint: I purchased my home XXXX/XXXX/2015 with BMO Harris Bank with the condition that my loan would be sold to XXXX Bank with in 90 days due to me having a XXXX down payment assistance loan with XXXX and XXXX XXXX is servicer along with my loan being an FHA. Come to find out I was still signing paper work after my closing due to neglect that was left out of my closing paperwork. Now, in XXXX. I was told they put the wrong interest rate on my closing paper work. Should have been 3.75 % and they had 4.25 %. So to cover themselves they wanted me to sign a modification stating I was in default on my mortgage and I was having trouble paying my mortgage! This was fraud! This I did NOT sign. I did sign an agreement to have the interest rate changed to 3.75 %. Now I have been sending my XXXX payment to XXXX XXXX as XXXX dose not deal with BMO. This has been going on for a year. Now I was told XXXX XXXX refused to buy my loan due to numerous errors on my mortgage. So now I am stuck with BMO Harris and all the errors that keep happening. One example is I make my mortgage payment and add additional to escrow and tell them to apply it to escrow and they put it to the principal every time. I then contact them and it takes days for them to fix. This happens every time. Also I was told by XXXX ( XXXX ) that BMO fronted the money for my down payment assuming they would sell my loan to XXXX XXXX and now that it did n't happen I have to pay BMO back and not them. XXXX is taking the terms and conditions of my XXXX loan and using this to be paid back. No money was ever exchanged between XXXX, XXXX XXXX or BMO. This is not what I agreed to. None of this is. I have requested all of my mortgage paperwork form BMO including what was sent to XXXX XXXX. Some of the paperwork I did n't have and they do n't have a lot of what I have. But there are a few pieces of paperwork that stand out. One was my interest is supposed to be 3.50 % for and FHA loan which I have and a conventional loan is supposed to be 3.75 %. Also the cover sheet I have that was supposedly sent to XXXX XXXX stating they were selling my loan to them had the interest rate of 4.25 % on it! This is just a quick over view of what has been going on for over 15 months and keeps continuing. All the errors just wo n't stop. I have talked to numerous people about this, asked to talk to someone at corporate and I get nothing but a run around. I have a XXXX page time line of all the errors and mistakes that I have given to numerous people at BMO and still nothing is being done. Being a first time home owner I will never do this again. I have all paperwork and over 200 emails to back up all that I have stated if you need them.
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

2016-08-31

Chicago, IL

Deposits and withdrawals

Bank account or service: Checking account

Complaint: BMO Harris issued me a new chip debit card to replace my old chip debit card as part of a rollout. When I called to activate the new card, I was told by the representative I could destroy my old card. After destroying my old card, the representative stated for some reason a pin was not attached to my new card and they would have to mail one out. This was on Friday, XXXX XXXX at XXXX am. I was guarantee by the manager I spoke with that it would be in Friday 's mail and I should receive it in 2-3 business days. I was informed without the pin, my card would not be useable but if I wanted to go to a branch during their business hours I could withdraw money from a teller. On Wednesday, XXXX XXXX, I called BMO Harris again after not having received my new PIN number. I was hung up on by XXXX and then told by XXXX that my old pin should be valid, I just need to go to a branch to check. I informed XXXX of the phone call I had with the manager on Friday and that my work schedule does n't allow me to go to a branch during business hours. I asked if there were any offices open later and was told no. I have been without access to my paycheck and using credit cards because of BMO Harris ' XXXX up and they do not want to address or fix the issue.
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

2016-08-29

Chicago, IL

Credit decision / Underwriting

Mortgage: FHA mortgage

Complaint: I applied for a home mortgage loan with BMO Harris Bank N.A . I chose this financial institution because they are listed as XXXX of the few authorized lenders for the 1st Home Illinois program offered through XXXX I am a XXXX XXXX XXXX XXXX XXXX male. I have a XXXX credit score, a 0 % debt to income ration, and am on a fixed income through social security. I was pre-approved in XXXX. I have had no change to my income, credit score or debt ratio from the time I was originally pre-approved. In XXXX 2016 BMO Harris requested that I pay a {$490.00} dollar application fee. After I paid the fee they completed the appraisal on the property I have a contract on. The appraisal came back within range of market value and requested price. I meet all the requirements for the 1st Home Illinois program ) I was told this by the lender and instructed to complete the homebuyer counseling course and obtain a certificate. I received an email on XXXX XXXX stating my loan application was denied due to " Limited credit experience and Value or Type of Collateral not Sufficient. In figuring a credit score the credit bureau 's figure length of credit history, debt ... etc in figuring a score, which is in turn used as a basis to offer credit. If I meet the credit bureaus standards to have a XXXX, why am I subjected to additional credit scrutiny by the lender. Secondly if the Federal Trade Commission considers social security a reliable source then why is this not the case with the lender. The XXXX states I may not be discriminated against due to age, however I feel it is the basis for my denial. After all, how could I initially be pre-approved based on credit and income and then denied based on the same criteria which has not changed at all. In fact my current rent of {$630.00} is actually higher than what my mortgage would be, which is estimated at {$430.00}. The XXXX states credit should be made available to creditworthy applicants without regard to color, religion, sex or age. My XXXX makes me creditworthy!
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

2016-08-24

Rockford, 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

2016-08-21

IL

Credit decision / Underwriting

Mortgage: Other mortgage

Complaint: I have applied for HARP Refinance with BMO Harris Bank. I was told you are eligible for HARP Refinance by Loan Officer. And gave me closing cost around {$1100.00} and 3.75 % 20 year. But Bank processed my application as conventional loan. And in closing statement they charge huge amount of money. I did n't close my refinance loan. I asked for refund {$490.00} which they charge for deposit but no response from bank.
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

2016-08-19

College Hills Mall, 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

2016-08-17

Muskego, 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

2016-08-16

IL

Deposits and withdrawals

Bank account or service: Checking account

Complaint: A {$1700.00} check from a different bank 's account was debited from my account. They have the same routing # and account number.
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

2016-08-15

Wonder Lake, IL

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

2016-08-12

Vero Beach, FL

Credit decision / Underwriting

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

2016-08-12

Arnold, MO

Loan modification,collection,foreclosure

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

2016-08-10

Hollowayville, IL

Loan modification,collection,foreclosure

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

2016-08-09

Bloomington, MN

Dealing with my lender or servicer

Student loan: Non-federal student loan

Received bad information about my loan
Complaint: BMO Harris Bank paid part of my tuition while I was working for them. The contract stated that if I leave the company within three years of tuition assistance, I may be responsible for a portion of the balance. I stayed for almost three years and they charged me the entire balance. When I attempted to negotiate, they sent the debt to a collection agency. Now it 's reporting on my credit as an uncollected debt.
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

2016-08-06

Wallington, NJ

Account opening, closing, or management

Bank account or service: Checking account

Complaint: XXXX Behavior by BMO Harris Bank I called BMO Harris bank to inquire about the requirement for opening a new checking account. During the call I mentioned that I was a XXXX and not a citizen and the BMO Harris agent said they do not open account for people who are not US citizens. When I said that their requirements online did not say so, he said they can add their own requirements and why do I need to open an account with them anyways? Later I checked online again and on finding no such requirement on their website, did an application online. I have to say that I regret that decision. Not only they have XXXX attitudes, they are the worst bank I have ever encountered and are set up to gouge customers on fees. I was told that I have 2 months to get set up and meet the requirements to avoid the monthly account maintenance fees. I met the requirements and by XX/XX/XXXX had more than {$1000.00} required to waive the monthly fee. But they went ahead and charged me the {$12.00} fee on XX/XX/XXXX anyway. When I called to inquire about that, they tried to bait me into opening a credit card with them. When I said no to that, they said there is nothing they can do about that. When I asked for a supervisor, they said there is no one available as they are all in meetings ( on a Sunday ) and someone will call me in 24 hours. No one called me in 24 hours, so I had to call them again and they again refused to do anything about the fees. I request that you put this complaint so that others can see how dishonest and corrupt their practices are.
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

2016-08-03

Black Walnut, 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

2016-08-03

Wonder Lake, IL

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: To who may concern, This update is continuing for previous complain and recent BMO Harris bank action of my home equity line of credit. I started my proces two and half months before my maturity date XX/XX/2016.All documents required by the bank has been promptly delivered on day one and no additional paperwork after that. Through that time I received offer that Harris bank declined itself by saying they overlooked some details. Then all two months no communication about specific product of modification, new home equity line of credit until 3 business days before my maturity date I received some documents ( see attached files ). First two months old decline offer, second bill for {$150.00} and third info about hardship and foreclosure. This only proves that the BMO Harris bank has no interest to protect that time bank 's money of {$150.00} while bank estimated my home value for {$120.00} ( well underpriced and initial complain describe that I offered {$50.00} down to keep going with helc ). Set it all together it shows fot the BMO Harris bank 's dirty practices and I believe that cases like this one would halp the state and federal law enforcement agencies to protect other customers against this bank. Sincerely XXXX
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

2016-08-01

Schaumburg, 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

2016-07-31

Waupun, WI

Account opening, closing, or management

Bank account or service: Savings account

Complaint: I am writing to inquire assistance, if possible, on recovering some funds that were charged to us by BMO HARRIS, XXXX WI. I am writing per the Consumer Financial Protection Act that was created in part to protect consumers from Unfair, Deceptive or Abusive Practices. Several years ago I opened for my young son a savings account for which I was the custodian. My son turned XXXX on XXXX XXXX 2015. BMO Harris did provide quarterly electronic bank statements. I admit that I did not look at them too closely, as for the past few years, there was not much activity on the account. As I went to close the account last week, to my surprise, the bank gave me the balance minus {$40.00}. They explained that the {$40.00} charge was related to 8 monthly maintenance fees worth {$5.00} each, that started when my son turned XXXX in XX/XX/XXXX ( XX/XX/XXXX - XX/XX/XXXX ). I explained that I never received any letter or warning about the change and they responded that it was their usual practice. I am aware that their website provide explanations of the rule. Indeed, much information is laid out on their site for customers to search and read. However, I know that it is customary for financial institutions to send notifications when a change occurs on an account. I had a bank account with XXXX XXXX who sent me a notice about starting charging fees due to inactivity on the account. I went to XXXX XXXX and closed the account. The same situation occurred with my wife and XXXX XXXX. I am inquiring for assistance as I do n't believe that their practice is fair and conducive to a clear and transparent business relationship between the bank and the customer. This is an omission on their part that gave me no choice and that is totally one sided. This is an omission that benefits them only and leaves me with no option than bearing the cost. If I had not decided to close the account, they would have emptied the account of the funds and then they would have sent me a notification for non-payment of additional maintenance fees. There is something wrong with this practice. Therefore, on one end, they send no notice or warning before any change on the account and before charging any fees ; and on the other end, they would readily send me a notice demanding that I pay fees after having emptied the 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

2016-07-30

San Jose, CA

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

2016-07-29

Mc Farland, 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: Yes Timely Response

2016-07-28

Palos Park, IL

Application, originator, mortgage broker

Mortgage: FHA 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

2016-07-20

Berwyn, IL

Application, originator, mortgage broker

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