BMO HARRIS BANK NATIONAL ASSOCIATION

2016-02-22

Tubac, AZ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: We completed a refinance that closed on XXXX XXXX, 2015. As part of that closing, {$3300.00} was to be applied to principal reduction ( i.e. the refinance amount was larger than what was needed to pay off the old loan and closing costs ). Several months have gone by, and I have asked my bank repeatedly for an explanation on where that principal reduction appeared on my statements, and they have not been able to communicate this. I see that on XXXX, a curtailment amount of {$400.00} was applied, but {$2900.00} remains unaccounted for. The bank 's mortgage transaction statements are totally confusing and not clear.
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

2016-02-19

Chesney Shores, 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: No Timely Response

2016-02-19

South Florida, FL

Delinquent account

Credit card:

Complaint: I attempted to pay my past due balance of {$2100.00} on XXXX/XXXX/2016 via XXXX XXXX on my XXXX account. I was not aware that XXXX did not have a bank to bank payment option with XXXX. Thus, even though I fully attempted to pay on the due date, the payment did not post until XXXX/XXXX/2016 because of the check method, the weekend and the following holiday XXXX on XXXX/XXXX/2016. I called XXXX to resolve this issue and did not receive any help. XXXX then charged me a very large late fee and reported to the credit bureau that I was late by 30 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Disputed: Yes Timely Response

2016-02-19

Manhattan, 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: Yes Timely Response

2016-02-18

Chicago, IL

Charged fees or interest I didn't expect

Consumer Loan: Pawn loan

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-02-18

Foothill Ranch, CA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-02-16

Watkins, CO

Billing disputes

Credit card:

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-02-12

Hoffman Est, IL

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-02-11

Palos Park, IL

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-02-11

Sheboygan, WI

Managing the loan or lease

Consumer Loan: Installment 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

2016-02-10

Peoria, AZ

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-02-04

Onalaska, WI

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: I have owned a rental property in XXXX, WI ( XXXX XXXX XXXX ) for about 20 years. My XXXX mortgage holder is XXXX XXXX. I have a XXXX mortgage currently held by BMO Harris. This XXXX mortgage used to be owned by M & I Bank, until about 4 years ago. I have a {$40000.00} line of credit on this XXXX mortgage, and I have never missed a payment in all the years of that I have used this line of credit. For many years the balance was XXXX to XXXX. Last year, I badly needed a new roof on the property ( XXXX XXXX XXXX ) and I used the remaining XXXX for the roof. Soon after using the remaining credit, I tried to make a payment online, and the site would not allow it. I called customer service at BMO and they informed me that the entire balance ( XXXX ) was due at that time. From this point, BMO treated my case like a loan modification and assigned XXXX XXXX XXXX, Senior Real Estate Underwriter. After making many requests to keep my current line of credit and make payments like I have been, XXXX XXXX XXXX asked me to find a loan guarantor, in order to " re-do '' the loan. This is not an option for me, and I conveyed this to XXXX XXXX. She then suggested that I think about selling the property. This is also an option that is not realistic at the current time, considering the numbers. I am also worried about my credit score being affected adversely.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-02-03

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-02-01

San Tan Valley, AZ

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-02-01

San Tan Valley, AZ

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-30

Eagan, MN

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2016-01-29

Itasca, IL

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-29

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-28

W Bend, WI

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-28

KS

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Last month after XXXX and before XXXX a voicemail was left for me on a co-workers line by a representative of BMO Harris Bank. My supervisor listened to the voicemail because my co-worker was out of the office and she gave me the message. I called BMO that day and told a representative what had happened and that I could not get these types of phone calls at work. I wanted to talk to whoever it was that had called, but after putting me on hold for over 10 minutes I had to hang up, since I was at work. This morning my co-worker hands me message slip. BMO has again called me at work and left a voicemail on my co-workers line. When that line is automatically answered it 's very clear about who you leaving a message for. It should be clear to the BMO representative that you will not get to my voicemail to leave me personally a message if you call after our work hours.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-27

IL

Application, originator, mortgage broker

Mortgage: FHA mortgage

Complaint: apply for XXXX loan {$90000.00} all paper submit their was and that appraisal by their peoples and it was appraise at the {$90000.00} so I through the loan was going thru but later it was denied because they did another appraisal it was a XXXX finance by XXXX the loan did not change so why another appraisal. file XXXX
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-01-25

Old Round Rock, TX

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-25

Lewisville, TX

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: We had a XXXX XXXX walk away from us in the middle of a project. He asked for XXXX checks from us. XXXX in which I called XXXX XXXX to have cancelled - however they never cancelled the check and the fraudulant XXXX walked away with twice the amount of money he should have taken us for. I provided a customer service rep with the check number and the amount which needed to be cancelled. To my surprise a check for {$45.00} was cancelled instead of the check for {$7500.00} ( check number XXXX ). Since the following check to the fraudualnt XXXX was also cashed, I am at a loss of {$15000.00} instead of {$7500.00} due to harris bank not properly canceling the first check. When I spoke with Multiple layers of management, they told me there was nothing they could do because they claim I gave them the wrong check number. They should have never allowed the {$7500.00} to leave my bank account and should be liable for such a loss.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-21

Glen Ellyn, IL

Credit determination

Credit card:

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-20

Greenfield, WI

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response