BMO HARRIS BANK NATIONAL ASSOCIATION

2016-07-20

Barrington, IL

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I have been trying to combine my home equity loan into the mortgage and refinance with Harris Bank since XXXX 2015. It seems that each time a bank employee disappears and drops the ball. The Bank 's " Help-Line ( an oxymoron ), '' seems to drag out the process, asking me to fax an IRS Form XXXX to their office at XXXX in XXXX , WI., but when I try to send the fax, their fax machine does not pick up and when I try to contact them by voice at XXXX, either I get the run-around, or their voice mail system becomes an impenetrable barrier to communication. My " Single Point of Contact, '' was XXXX XXXX, XXXX, who inexplicably disappeared leaving no named successor as a " Single Point of Contact. '' Before he disappeared, I left XXXX XXXX a voice message informing him that his fax machine was not picking up. Some time later, his supposed assistant called me, apparently after listening to his voice mail and sent a letter which XXXX sent nearly a month ago asking me to fax the IRS Form to the non-functioning fax number. The form is time sensitive and must be received by the bank to complete the process. In this comedy of errors, it appears that Harris Bank is either deliberately acting so as to induce my attempt to combine the loan with my mortgage and refinance to fail, or the bank is so incompetently managed as to produce the same result. I can submit documentation in support of my complaint by fax and snail mail.
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

San Jose, CA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I opened the Everyday Checking with BMO Harris over the phone in XXXX 2016. The promotional code that I used for the {$250.00} checking bonus was n't expired until XXXX XXXX which was after when my account was established. This code was confirmed originally by the phone agent, and the bank should have kept the recording of this phone call as proof of my claim. Moreover, I also have email proof of this promotion sent by the bank so there is no denying from the bank for refusing to honor it. The worst thing was with their customer service which seemed to have mostly been trained to tell all customers that the promotion was not from the bank at all, and the bank website has been hacked or at least the promotion page was hacked to send out this bonus. I have NEVER heard such a ridiculous response from any other financial institutions before, and it is seriously shocking to learn that a good sized bank like BMO Harris could NOT honor its bonus for whatever reason. The second issue is with the XXXX monthly fees charged. I have to say that their banking system is the worst I have ever dealt with, even credit unions are having better systems to make the process easy to use and streamlined for their customers. When I created my online banking account I expect everything to be automated and did NOT have to call customer service to get it to work. This has been my experience with any other financial institutions that I 've dealt with, however BMO Harris system is different and does n't work without manual intervention. The request for refunds is for the amount of time and trouble it caused me to set it up successfully. If I received the initial temporary password that your website was supposedly to send out, I would have completed the enrollment process in no time and transferred in enough funds to waive the monthly fees. So to summarize, I 'd appreciate CFPB to work on my behalf with the bank in order for them to honor my bonus, and refund the fees charged inappropriately. 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 explanation

Disputed: Yes Timely Response

2016-07-19

Andyville, MN

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

2016-07-19

Hoffman Est, IL

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

2016-07-15

Superstition Mtn, AZ

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: Bank of Montreal BMO foreclosed on my Heloc loan ALMOST TWO YEARS ago for no reason except they did not want interest only loans on there books. This is what BMO employee told me. However, I am protected under A.R.S 33-814 anti deficiency law. I always paid the Heloc and the first Mortgage they had no reason to foreclose. Bank of Montreal called the note and demanded I pay them in full for the interest only part of the loan approximate {$76000.00}. That would be impossible because no one would offer me a loan due to the housing market collapsing and home values were upside down and they knew it. We were forced out in the streets after they sold my house worth {$350000.00} for only {$76000.00} approx. I was current until they called the note and threatened to foreclose. The heloc originated in XXXX I pulled out XXXX dollars on Heloc it was a interest only Heloc. In XXXX they told me I can separate loan and pay principal and interest on part of the loan. and interest on the other half. So I told them to use {$100000.00} dollars of the heloc loan and make it interest and principle in the loan. They said no cost to me and would still be the original Heloc loan nothing except interest rate would change. They never explained they may or would call the note for no reason. I made XXXX different payments per month as they requested and they gave me XXXX loan numbers for one Heloc .I never was told they can call the note and remove me and my family from my home. I lived there making payments for over 10 years. They refused to take my payment anymore for the interest only part of the heloc. In my opinion this is criminal what BMO did and they stole our family home and sold it for penny 's on the dollar to someone else. And now demanding that I give them {$100000.00} 2 years later for deficiency.This loan originated with M & I bank and then they merged with Bank of Montreal. When they merged all the loan numbers were a mess. Every time I made a payment there was an error on t. Due to BMO changing all the loan numbers after merger. The investor that bought my home at the trusty sale kept my first mortgage current by lying saying he was XXXX XXXX. The investor lied and called XXXX XXXX XXXX the first mortgage and told them he was me and he wanted to keep the mortgage current so they let him. I found this out when they sent me a letter saying thank you for paying off the first Mortgage with B of A. I called B of A and they told me someone called and said he was me making the payment. I can assure you this was some kind of fraud on investors part and BMO. Later that year I receive a XXXX for the interest the investor paid and they gave me credit to claim. I did not use that tax credit because it did not belong to me. The investor did this for many months until he sold it for {$310.00}. First Mortgage was later paid by investor who bought house at trusty sale many months later when the investor sold my home. Now two years later almost after BMO called the note on heloc and then foreclosed. BMO is demanding {$100000.00} from me BMO lost there right to collect. Due to A.R.S Section 33-814 we are protected under the anti deficiency law because. BMO foreclosed on the note at a trusty sale. For the past few years I have noticed that BMO has on all three credit reports that I owe approx {$100000.00} dollars for deficiency. This bold statement is a public defamation of character. I need help getting justice and suing BMO I have made complaints to all three credit reporting agency 's. No one is helping me. I called BMO and asked them why they are demanding {$100000.00}. They said it was collectible. BMO lied stating they never foreclosed on the house.. I have proof from the trusty and proof BMO released the lien off the property to the investor and BMO sold the house under me. I have a paper trail proving BMO foreclosed. Please review law update in Arizona XXXX XXXX A.R.S SECTION
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

2016-07-13

Hoffman Est, 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

2016-07-05

Minneapolis, MN

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

2016-06-30

Akron Canton Region Airport, OH

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

2016-06-28

Seattle, WA

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-24

Elgin, 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

2016-06-22

Chicago, IL

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

2016-06-22

Lilydale, MN

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: Yes Timely Response

2016-06-21

Lexington, KY

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt was paid
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

2016-06-18

IN

Settlement process and costs

Mortgage: Home equity loan or line of credit

Complaint: my home equity loan with m & i bank in XXXX wi. was bought by bmo bank after about 5 years, after paying on it another 5 years never missing a payment and always on time. they told me it had come due and they would not renew it. there was no due date on my contract with m & i. i have a XXXX credit score. and have never been late on payments or filed bankruptcy. bmo advertises, were here to help. not in my case.they want to go in default with it. i dont know what i can do. please help
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

2016-06-15

Schaumburg, IL

Account terms and changes

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

2016-06-11

Elk Grove Village, IL

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: Yes Timely Response

2016-06-11

Gloucester City, NJ

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

2016-06-10

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

2016-06-10

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: Yes Timely Response

2016-06-08

Chestnut Street, IL

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

2016-06-02

Seneca, SC

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: Unfortunately I do not have a scanner to send a copy of my existing paperwork, but I will try to describe my paperwork the best that I can. On XXXX XXXX, XXXX, I received a letter from XXXX Harris Bank ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) with the following information : " As you know, M & I and Harris joined to create BMO Harris Bank N.A . last year, but have operated on separate networks and systems as we work to complete the integration. At the close of of business on Friday, XXXX XXXX, XXXX, that process will culminate in the transition of your deposit account ( s ) and services to the shared BMO Harris system. '' On the back of this paperwork there is listed a BMO Harris Account Summary : IRA Growth Money Market ; ( last XXXX digits of account no. ) XXXX ; ( new name of account ) IRA Premium Savers. On XXXX XXXX, XXXX, I called BMO Harris Bank ( at telephone niumber XXXX ) to inquire about the account and was informed by XXXX ( customer service ) that the account has been closed. I asked, " When was it closed and who closed it. '' She said it was closed in XXXX and she was not sure who closed it. She put me on hold to find out more information for me. She came back to the phone and said that someone was researching it and she would call me back with an answer, probably before closing that day. XXXX called me back the next day, XXXX XXXX, XXXX, and left a voicemail that she was typing the information into my records on their computer and I could call back and speak with anyone who can pull up the information. I called back and talked with a lady who said that my account was closed before the M & I and Harris merger, and transferred to XXXX and that is all she knew. I asked, " what is XXXX? '' She said she did not know. I asked to speak with a manager, and she said they would tell me the same thing. I asked, again to speak with a manager and she put me on hold. I held for 20 minutes and hung up and called customer service again. I was told by another lady that the account was transferred to XXXX. I asked what is XXXX. At first she said that she did not know, then she put me on hold and came back and said that it was a bank.. I asked if they had a telephone number and address, and she said she did not know it. She said that I could look it up on the computer and that was all she knew.
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

2016-06-01

Chandler Hts, 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

2016-05-27

Tampa, FL

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

2016-05-26

Chicago, IL

Identity theft / Fraud / Embezzlement

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

2016-05-25

Scottsdale, AZ

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