BMO HARRIS BANK NATIONAL ASSOCIATION
Consumer Complaints
There are over 1624 complaints on file for BMO HARRIS BANK NATIONAL ASSOCIATION. Dated between 2019-12-04 and 2011-12-08.
Complaints Page 36
2016-04-11
Milwaukee, WI
Application, originator, mortgage broker
Mortgage: Home equity loan or line of credit
Complaint: A online application was submitted along with all the pertinent documents. The processor XXXX XXXX left her position and stopped responding the emails and requests for updates on the status of the mortgage. I applied online for this loan on via their website On XXXX they mailed a packet of documents to sign as well as a list of the items needed in order to review the loan. I emailed her with all the information requested and she had full documentation in her hands in a timely manner. These are the dates of the emails ... .. XXXX, XXXX, XXXX, twice on XXXX, XXXX, XXXX, XXXX, XXXX, 4 times on XXXX, XXXX, XXXX and XXXX. There are so many emails because I kept requesting verification that she had everything she needed. She did not respond until XXXX at which time she finally responded and advised me that she switched to a new position and would get back to me " by the close of business '' that day with the new processor/loan officer information. I never heard from her again. I then called BMO and asked to speak to her boss. I was advised it was XXXX XXXX which I spoke to on XXXX. She advised that she was her " new '' boss but she would have her get back to me with the name of new processor. No call was received I even said she could respond via email but have n't received any response. I called again today XXXX and was now told that well too bad it does n't really matter because now the application is expired and we will have to submit a new application. Neither XXXX or XXXX apologized for the way this was mishandled not to mention that they did not adhere to the CFPB rules as far as time to complete the review of the application as well as notifying me of the approval or denial etc .... I have all my phone records and emails. No calls or letters were received from BMO other than a letter from XXXX at which point all the additional documentation was provided. I have proof in my emails that they had everything they needed on time to make a decision regarding approval or denial of the loan. XXXX dropped the ball and the entire loan file and now XXXX her new boss is backing her this is very disturbing. I have yet to be provided the information that XXXX was going to provide me with on XXXX which was the new processor. Now that they let the time expires they expect me to start all over and reapply. I still have not received a loan denial letter if that was the case I was only told so today because of the length of time. If I did n't call today I would have no idea I would need to reapply. I did advise them I would be filing this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-04-06
Itasca, 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
2016-04-06
Itasca, IL
Settlement process and costs
Mortgage: FHA mortgage
Complaint: My wife and I went through the mortgage process and closed our FHA loan on XXXX XXXX 2015. We experience a variety of difficulties throughout the process and I am filing this complaint because I have not gotten a satisfactory resolution from the parties involved at BMO Harris. We applied for a mortgage in conjunction with the Illinois Housing Development Authority down payment assistance program. The Loan Officer also verbally offered us a grant program from the bank in the amount of {$1000.00}. Initially there was a delay in the process due to the inexperience of the loan officer so his sales manager had offered compensation in the amount of the underwriting fee approx {$800.00} after the loan closed. In XXXX 2015 we requested a cash to close worksheet to see the breakdown of the costs to give us an idea of what amount was needed to close. We did n't even have the correct payment amount as the taxes and loan amount were incorrect when they were disclosed to us. We never did received this nor was our request acknowledged for the worksheet. As we got to the week of closing we again asked for a cash to close worksheet as we knew with our seller credits we would need to have the loan amount adjusted to get the full credit. Once again the request was disregarded. We did not get our final numbers and only a verbal amount of what to bring to closing, until less than 4 hours before the actual signing. Upon the verbal notification we were also informed that the seller credits would need to be reduced by $ XXXX- {$2900.00} otherwise we would have gotten cash back at the closing which is not allowable including our earnest money. Right away we had insissted that the loan amount be reduced so that the down payment assistance could go toward the down payment rather than the closing costs that the seller was willing to pay. We were told that the loan would have to close as is or be rescheduled to the next day. Our final extension/amendment showing the most recent seller credits was expiring and we were not in a position to reschedule the closing as my wife had already made arrangements to have someone work for her that afternoon and could not take additional time off the next day. At the closing there were issues with the HUD XXXX and it had to be corrected so with the confusion our Attorney was not clear on all of the credits we were to get. After we had moved into our home and received our final signed documents from our closing we reviewed the settlement statement and found much to our surprise that we also did not received the {$1000.00} grant from BMO Harris Bank. This now brings the total amount to $ XXXX- {$3900.00} that we have lost out on. I contacted the head of operations at BMO and was told that {$3900.00} was not a lot of money and that there was no evidence in the file that we were getting a {$1000.00} grant. I told XXXX XXXX " it may not be a lot of money to you but it is to me ''. I have yet to hear from anyone at BMO Harris since I had spoken to the complaint department along with the sales manager XXXX XXXX in regards to the compensation that he had promised or any resolution from my complaint. I am a hardworking man with a wife and XXXX children to depend on me and I am only trying to do the best for my family. I do n't have a substantial income and to experience what we had to go through to purchase this home is the most stressful experience I have encountered and to have someone at such a high level at BMO Harris Bank simply dismiss my issue is demoralizing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-03-30
Itasca, 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
2016-03-30
Folkston, GA
Closing/Cancelling account
Credit card:
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-03-30
Madison, WI
Late fee
Credit card:
Complaint: A inappropriate fee was charged to my account, along with an associated inappropriate interest charge. The credit card company has not responded to, or acknowledged, my dispute of these charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-03-28
Rockford, IL
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
2016-03-25
Muskego, WI
Settlement process and costs
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
2016-03-23
College Hills Mall, 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
2016-03-22
MN
Fees
Prepaid card: Gift or merchant card
Complaint: On XXXX XXXX XXXX I received a BMO Harris Gift card. There was XXXX dollars on the card. Beginning XXXX XXXX, XXXX, BMO Harris began to reduce the balance by XXXX dollars a month. At this point I had XXXX dollars left on the card. I would like to get my XXXX dollars back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-03-16
Wonder Lake, IL
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
2016-03-16
Everett, WA
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
2016-03-16
Saint Paul, MN
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
2016-03-15
WI
Billing disputes
Credit card:
Complaint: We are XXXX citizens, and my husband made a payment and by mistake he over paid Them by over XXXX dollars. We have contacted them on several occasions asking them to please cut us a check we need that money returned and have been told that they ca n't they have so follow guidelines and we have to wait a month or more to get it back. Mean while they are collecting interest on our money and we are short money on our end. That seems very unfair. If we would n't pay them we would have to pay them a penalty. Is that rule reversed if that pertains to them withholding our money? Please look into this for us we really need that money back Thank your, XXXX and XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-03-14
Oak Lawn, 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
2016-03-12
Carol Stream, IL
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
2016-03-04
Mount Pleasant, WI
Application, originator, mortgage broker
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
2016-03-01
Ft Belvoir, VA
Other
Credit card:
Complaint: I have been a customer of DINERS CLUB for the past 20 years. During all past 20 years Diners club never submitted data to credit reporting agencies. In XXXX XXXX, Diners Club sent me a note stating that they start submitting data to reporting agencies. The letter did not inform me that the card will submit data in the past 2 years. Unfortunately, Diners Club decided to submit data for the past 2 years. Giving the fact that I have been a customer for twenty years during which the card never reported data, it is reasonable to assume that the data being reported should only include data from the time they informed me they will start reporting, not data in the past. For example, had I known that Diners club will report data in the past, I would have cancelled my membership. Or would not have made use of the extension they have for their clients to pay after 60 days instead of 30 days.
This is not acceptable. The card never disclosed in their terms and condition when I signed up for a card in XXXX that they will report data to credit Bureau. The card should only report data from the time it informed its customers of its intent to report data and moving forward, not to go back 2 years.
I am asking you to take actions that compile BMO HARRIS DINERS CLUB to only report data from the time they updated its client of their intention to report to credit agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-02-27
Skanawan, WI
Account opening, closing, or management
Bank account or service: Savings account
Complaint: I have XXXX separate investment accounts ( XXXX personal and XXXX IRA ) with BMO Harris Bank. 45 days ago I sent instructions to transfer all money and equities to XXXX XXXX. In the last few days, XXXX XXXX has made numerous telephone requests for any information and has only received run around remarks such as " I do n't know '' or " I have no idea who you can call '' or " I do n't have that information ''. Obfuscation, foot dragging and total fiducial irresponsibility by any measure -- -no professionalism and possibly theft such as loss of opportunity profit. BMO deserves to be penalized for lack of acceptable minimal procedures and ethics.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-02-25
Chicago, IL
Loan servicing, payments, escrow account
Mortgage: Home equity loan or line of credit
Company Response: Company chooses not to provide a public response Closed with explanation
2016-02-25
Hiawassee, FL
Application, originator, mortgage broker
Mortgage: Conventional fixed mortgage
Company Response: Company chooses not to provide a public response Closed with explanation
2016-02-24
Independence, 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
2016-02-24
Itasca, IL
Loan modification,collection,foreclosure
Mortgage: Home equity loan or line of credit
Complaint: XXXX mortgage with Harris, they are asking for the full balance and will not take payment. Will soon be adding late fees etc. I asked for a modification and they said I would need to see about applying for new loan at 8 % fixed. I will not gaulify for that it has been over 30 days with no answer. I do not want a new higher payment will sell in two years and pay them off. I feel they gave these loans before the mkt tanked and they should help customers who did not walk away from house and modify the XXXX until we can pay off or sell. I need a modification before they eat up what little equity I do have while they add late fees etc.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-02-24
Park Forest, IL
Account opening, closing, or management
Bank account or service: Checking account
Company Response: Company chooses not to provide a public response Closed with explanation
2016-02-22
Katonah, NY
Billing disputes
Credit card:
Company Response: Company chooses not to provide a public response Closed with explanation