BMO HARRIS BANK NATIONAL ASSOCIATION

2016-01-18

Brookings, SD

Taking out 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

2016-01-15

Hollowayville, 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

Disputed: No Timely Response

2016-01-14

Chicago, 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

2016-01-14

Waupun, WI

Loan servicing, payments, escrow account

Mortgage: Other mortgage

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

Disputed: No Timely Response

2016-01-11

Lewisville, TX

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: My Mortgage with XXXX was sold to BMO Harris Bank in XXXX of XXXX. I have never had an escrow account as part of my loan agreement as I originally paid 20 % against the sale value of my house. After my mortgage was transferred I continued to pay my monthly payments as usual until I received a statement in XXXX of XXXX where it indicated that BMO Harris paid my year end property taxes and Homeowners insurance. On top of that they paid XXXX dollars more against my property taxes then the actual cost. All property taxes were current and on top of all this I had paid my property taxes and Homeowners insurance as well. BMO Harris never told me nor should they have ever paid my taxes or homeowners insurance. As a result of BMO Harris paying my taxes and insurance they have now issued me an adjusted statement stating that my escrow account is {$26000.00} in arrears and that they are adjusting my monthly mortgage payment to address the escrow shortfall. My new monthly payment would now be in excess of {$6700.00} per month. I have been in contact with both their customer service department and Escrow department continuously for the last two months. They have freely admitted that when they took over the mortgage account that they set it up in their system incorrectly which resulted in their paying out of an escrow that does not exist. They keep telling me that they are going to fix it and get their money back from both the XXXX and insurance company. My mortgage payment is out withdrawn from my bank account around the XXXX of each month and as of XXXX XXXX, XXXX they started withdrawing the {$6700.00} from my account which now has created serious financial difficulties for me. The bank is in breach of their fiduciary responsibilities and perhaps other laws that I am not privy to however I need this remedied. BMO Harris has been woefully non responsive in trying to resolve this and it would appear they just keep putting me off. Next step is legal.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-09

Chicago, IL

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Complaint: BMO Harris Bank has offered us what they call a modification with stipulations regarding our second mortgage the stipulation is a " mortgage payment forbearance agreement ''. However this BMO agreement is unfair and totally one sided in favor of BMO. What makes the agreement so bad is that it actually makes a borrower 's situation worst. BMO coerces desperate home owners to sign this deceptive agreement thinking it will help them. The BMO agreement actually creates a financial difficulty for the borrower and makes it easier for BMO to foreclose on the borrower. I sent BMO an e-mail listing my concerns. BMO refused to consider any changes to the agreement. Below are the concerns I have with the BMO agreement : 1. The agreement is not written in plain English. The agreement contains complicated legal language more suited for lawyers as oppose to simple laymen like us. 2. The agreement is completely one sided and written solely for the benefit of BMO. 3. The agreement requires a large balloon payment at the end of six months. 4. The agreement calls for us to sign way or waive all of our legal rights in relation to the loan. 5. The agreement absolves BMO of any and all responsibility for any wrong doing or mistakes in the past present or future. 6. The agreement shifts the burden of any BMO legal expenses associated with this loan to us. 7. This agreement should be a stand alone agreement but BMO has tied in to the loan in a manner which is the most adverse for us. 8. Any attempt by us during the 6 month period to fine another solution to our mortgage situation results in immediate default and foreclosure. 9. While BMO uses the treat of foreclosure to force us to sign this agreement the agreement states that this is not the case. Finally instead of helping us this agreement will make our situation worse. In denying us a loan modification you are still holdings to your normal lending standards. This does n't make sense when you consider that if we could meet your normal lending standards we would have applied for a refinance and not a hardship modification. What I have asked is that BMO permit us to continue to pay interest only for 5 years before the principle payback starts. Our request still allows BMO to have an interest paying mortgage with no loss of earnings. We are not asking BMO to take any lost associated with this loan all we are asking for is additional time. BMO retains all of its normal options if we fail to live up to the modification. We thought the BMO agreement was going to be a trial period before BMO would grant a permanent loan modification. This is what XXXX did. However not only is this not a trial with a reasonable outcome it is an agreement that leads us into a quick mortgage foreclosure with no legal recourse. Since experiencing financial difficulties resulting from unemployment I have now found a new job. We told BMO that we did not want or need a " mortgage forbearance agreement '' because we were now able to pay the full mortgage payment. BMO refused to consider anything but the unfair BMO " mortgage payment forbearance agreement '' and proceeded to foreclosure without offering any other options due to our changed circumstances. I attempted to pay BMO the normal payment beginning the same pay period offered in the unfair forbearance agreement. BMO returned the check. Attached are several documents related to my complaint ; 1. BMO " mortgage payment forbearance agreement '' 2. BMO agreement with changes we wanted to make so that the agreement was more fair and equitable for both BMO and us. 3. E-mail to BMO regarding the agreement and their response. 4. Our letter to BMO with a check for the normal loan payment amount 5. BMO 's letter to us returning our mortgage payment check
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-07

Braden River, FL

Making/receiving payments, sending money

Bank account or service: Checking account

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

Disputed: No Timely Response

2016-01-06

Forest Park, 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

Disputed: Yes Timely Response

2016-01-06

Riverside, CT

Other

Credit card:

Complaint: I write you as I believe I have been the victim of a consumer fraud across state lines which warrants a a certain level of investigation. What at first glance may appear to be a minor commercial dispute actually raises some very serious issues concerning consumer credit laws as well as IRS tax exempt status of the parties involved. XX/XX/XXXX I was illegally charged a {$200.00} membership fee on my Diners Club card ( XXXX ) by the XXXX XXXX XXXX through its proxy service agreement with XXXX. The XXXX XXXX XXXX claimed that I had authorized an automatic annual renewal of my membership for over {$200.00} per year. I never authorized the XXXX XXXX XXXX to automatically renew my membership nor did I authorize XXXX to automatically renew my membership. Furthermore, I never authorized the XXXX XXXX XXXX nor XXXX to hold and maintain my credit card information. Thus their actions were illegal. When protested and demanded that the XXXX XXXX XXXX reverse my credit card charges they refused to do so. It is my contention that the XXXX XXXX XXXX as an IRS sanctioned tax exempt organization crosses the line when exhibiting this behavior and should lose its tax exempt status. It also my contention that XXXX has built its entire business aiding and abetting this nefarious behavior by the XXXX XXXX XXXX and the other tax exempts that are its client base. XXXX should be ordered to cease and desist from these business practices.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-05

Schaumburg, IL

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

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

Disputed: No Timely Response

2015-12-31

Saint Paul, MN

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I went to BMO Harris to open an account on XXXX/XXXX/2015. When I inquired about overdrafts, the personal banker XXXX XXXX was confusing the opt-in and opt-out terminology. He stated that opt-out meant my overdrafts would be paid. He said everyone was opted out automatically and they could change to opt-in and not pay overdrafts. I said, " Really at XXXX they said opt-in meant paying overdrafts. '' I finally forced him to find me a copy of the account terms and conditions he was making me acknowledge receiving. He had no idea what I was requesting and tried to tell me the signature card page I signed was the Deposit Account Agreement and then tried to say the pricing schedule was it. I was persistent that there were additional account terms he had n't provided and they likely called it a handbook. He ran to a different area of the branch to look for one. Why are n't the account opening disclosures available at the desk where they make you open an account? Why does n't the personal banker know what the account agreement is? Finally, when he came back with the booklet ( Deposit Account Agreement ), I quickly flipped to the overdraft section and showed him the page on overdrafts. I read him the line that said opt-in meant paying my overdrafts and I wanted to be opted in. He said, " Oh, I was confusing the terms, but I can easily check a box to change that. '' I said, " I do n't have to do anything else? '' and he said, " no. '' I did not receive a separate notice describing the overdraft practice or a confirmation of opt-in. I called the XXXX number to inquire about my opt-in status on XXXX/XXXX/15 since I did n't receive an overdraft confirmation or notice. She confirmed I was opted in. She said most people opt-in online. She could n't explain why I did n't get the disclosures but put me on hold to talk to XXXX at the branch. When the person came back she said XXXX would mail the overdraft disclosures to me. XXXX mailed me the handbook and privacy policy but no overdraft disclosure or confirmation. I went to close my account on XXXX/XXXX/15 the Service Manager XXXX XXXX told me that I would be charged a fee if I closed my account, but I could talk to a banker to see about waiving the fee. I explained I was closing my account because they were n't complying with the regulations. The supervisor did n't care to ask what the violation was and he refused to let me withdraw the {$100.00} that was in my account. I was forced to go talk to the same banker who does n't understand overdrafts to get the account closing fee waived and then go back to the teller line to wait for a cashier 's check. I deposited cash and asked for cash to be returned to me, why was I forced to get a cashier 's check. It is hugely surprising that a supervisor is unable to waive a fee or did n't care about the details of a regulatory violation. I think this is a problem that has impacted several other customers. The personal banker does n't give out the deposit account agreement unless a person is forceful like I was. He tried to tell me the XXXX page " Individual Signature Card '' was the agreement. Even after I read the sentence about acknowledging receipt of the Handbook, he was unsure for what I was looking. Neither the personal banker nor the call center agent and XXXX understand what the required process is to comply with the Regulation E overdraft regulations. Then, when I point out their noncompliance and my desire to close my account, they want to charge me a fee. Please protect others ' consumer rights by looking into these overdraft practices.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-12-31

Scottsdale, AZ

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

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

Disputed: Yes Timely Response

2015-12-29

Chicago, IL

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: I have a complaint pending with the CFPB and the practices of BMO Harris bank regarding a home equity loan that I have with the bank. Part of the agreement was that they were to pay off credit cards and private student loans as of XXXX XXXX, 2015. To date, nothing has been paid by BMO Harris. When I ask for proof of payments, I receive no response but I am told I am responsible for the {$34000.00} that they supposedly paid off. When I attempt to contact customer service I am told that I have to speak to the branch, that they are unable to assist. I do not want to lose my home because BMO claims to have made payments that have not been made.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-12-24

Havana, FL

Billing disputes

Credit card:

Complaint: I have contacted BMO Harris in regards to XXXX credit cards that I did not receive and was instructed to file a police report for fraudulent charges made on the XXXX credit cards. On XXXX XXXX, 2015 I was told to file a police report and that once the police report was received a resolution would take 7-10 business days and replacement cards would be mailed. On XXXX XXXX, 2015 I submitted the requested documentation and have contacted BMO Harris several times to follow up on the situation but when I call I receive different information as to what is going on. The very long hold times and lack of current updates have become very frustrating. I just want this issue resolved.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-12-22

Gary, IN

Using a debit or ATM card

Bank account or service: Checking account

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

Disputed: No Timely Response

2015-12-22

Chicago, IL

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: In XXXX, I applied for a Home Equity Loan through BMO Harris. At the start of the process I was told it would take four weeks and close on XXXX XXXX, 2015. Then I was told due to the CFPB guidelines that it would be closed before XXXX XXXX ( " Unfortunately, it is a little frustrating for customers and myself, because the process is taking a little longer than normal due to new CFPB regulations ( Consumer Financial Protection Bureau ). I apologize for the length of time it has taken to process the loan '' ). The loan was not cleared to close until XXXX XXXX, at which I signed the documents. It is now XXXX XXXX and the funds have still not been released. I have spoke with BMO and have been told that the CFPB allows them to begin processing the loan and releasing the funds after 4 business days from the signing of the loan documents. Now where is this stated on the CFPB 's website. I would like a clear understanding and thorough investigation into the practices of BMO Harris.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-12-21

Chicago, IL

Other

Mortgage: Other mortgage

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

Disputed: No Timely Response

2015-12-21

Arlington Heights, 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

Disputed: No Timely Response

2015-12-21

CT

Money was not available when promised

Money transfers: Domestic (US) money transfer

Complaint: Transfer was pending at recipient bank for over 5 days at BMO Harris at XXXX XXXX XXXX in XXXX IL. Branch manager was on vacation and transfer department ignored my ACH deposit for {$30000.00}. This made me scared the transfer was lost, and angry that I was ignored.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-12-12

Murray, UT

Account opening, closing, or management

Bank account or service: Checking account

Complaint: On XXXX XXXX, 2015 i was emailed a BMO Harris checking account cash coupon for {$200.00} to open a new checking account with promo code XXXX ' and to deposit at least {$100.00}, set up direct deposits of {$300.00} or more within 60 days of opening a checking account and to maintain such direct deposits it would deposit a {$200.00} bonus into my account 120 days after my account became opened. On XXXX XXXX, 2015 BMO Harris Bank N.A . approved me and opened a checking account for me where i deposited {$100.00}. On XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015, & XXXX XXXX, 2015 I set up direct deposit and had my monthly {$750.00} social security income deposited on each of these months. On or about XXXX XXXX, 2015 i contacted BMO Harris Bank N.A . at its customer complaint resolution at telephone number, XXXX, concerning my {$200.00} bonus and was told by a female BMO Harris representative i needed to wait until my XXXX XXXX, 2015 direct deposit came before this representative could place a request that I be able to receive my {$200.00} bonus. On XXXX XXXX, 2015 this representative put a request in which BMO Harris told me takes 3-5 business days to process and stated that if my {$200.00} bonus was not deposited after XXXX XXXX, 2015 it could expedite my deposit immediately. However, on XXXX XXXX, 2015 when i contacted BMO Harris concerning my {$200.00} deposit another female representative, XXXX stated that she spoke with another department in BMO Harris who informed her that I would have to wait until XXXX XXXX, 2015 to get my bonus. Per BMO Harris Bank N.A . terms in its checking account cash coupon for {$200.00} it clearly stated that after 120 days of my account opening i would receive my {$200.00} bonus. Again, this account was opened on XXXX XXXX, 2015 and 120 days from that date, was XXXX XXXX, 2015.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-12-09

Redondo Beach, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

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

Disputed: No Timely Response

2015-12-08

Washington, DC

Rewards

Credit card:

Complaint: After paying annual fees for many years to Diners Club - run by BMO XXXX - I attempted to redeem points for miles. I completed my transaction only to receive an email receipt stating the transaction would take 2-6 weeks to complete. I needed the transaction immediately. I called the company within an hour of the transaction and they said they could not refund the points to my account, even though the transaction had just taken place and even though they did not disclose anywhere on the purchase pages that they time frame would take 2-6 weeks. I went through XXXX levels of customer service people for over an hour and all they would offer me was my annual fee back. I am not out XXXX miles - the equivalent of {$750.00}.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-12-07

Ft Lauderdale, FL

Closing/Cancelling account

Credit card:

Complaint: I had a company credit issued to me and the company closed the credit card in XXXX 2014, however the credit card continued to charge me a fee for a service from another company that I had already closed, without informing me of this going on. The card had been closed and expired and the credit card still let the charges accumulate. They also went to an electronic notification and I was never notified of any of this until I received a collections letter over a year later about charges and they were sending me to collections. The credit card let a company charge a closed account for over a year and never informed me of this, and the company charging against the credit card has not provided any service to me since XXXX of 2014, when I closed the account.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-12-05

FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I financed a new car in XX/XX/XXXX with BMO Harris bank. I suffered job loss about a year later and was receiving numerous calls each day late at night from the collection company my account had been sold to. The collection company refused to take any partial payments I was able to make and frequently threatened me with law suits and seizing of property. Once I was able to begin making payments again, I made a payment of approximately {$3600.00} and set up automatic payments thereafter. Automatic payments were taken from my account as agreed upon for nearly two years until my account was bought back by BMO Harris Bank, at which time the automatic payments stopped with no communication or notification to me. It took a couple months for me to track down the correct contact information of the creditor and set up a new automatic payment agreement. For the next couple years thereafter, automatic payments resumed. I called from XXXX to XX/XX/XXXX to request written documentation of all payments made since BMO Harris bank does not provide any sort of documentation of payments made, digitally or otherwise, and also to inquire about settlement options. My then current account representative, XXXX, was out of the office and not available to take messages for approximately 2-3 months that I know of, so I never received any response- not even from other reps in the office. I was finally able to reach XXXX in XXXX, at which time she argued with me over my right to receive a response regarding my account. I requested the written documentation and also a new account representative. I also inquired about settling my account, but was given no options- only further argument. I never received the documentation of payment history I requested ( it was supposed to be mailed to me ). After speaking with XXXX in XXXX and having a new account representative assigned, XXXX more automatic payment was taken from my account on XX/XX/XXXX, after which my automatic payments stopped coming out of my account again. I contacted my new rep in XXXX to find out why the payments had stopped and again to request the payment documentation that had never been received. She responded that my automatic payments had been stopped because I had inquired about settling my account, although no options were given and no agreement had been made. She assured me that she had resubmitted the request for payment documentation to be mailed to me and set up my automatic payments again. My next automatic payment was made on XX/XX/XXXX, after which they have stopped again! It is now XXXX and I still have not received the twice requested payment documentation, and the bank still is not honoring our automatic payment agreement.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-12-02

IL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I purchased a car XX/XX/XXXX and the loan was through BMO Harris Bank. I had to take a Chapter XXXX Bankruptcy XX/XX/XXXX. However, I was allowed to keep my car and make the rest of the payments IN FULL to a court-appointed trustee. I paid over {$11000.00} in principal and over {$800.00} in interest ( documentation attached ) to the trustee, who in turn paid BMO Harris Bank. I have completed all paybacks on my bankruptcy and yet Harris Bank ca n't seem to locate my title. They also turned me in to all XXXX credit report agencies as having over {$8000.00} " charged off as bad debt '' which is absolutely not true ( see attached documents ). I have spent hours on the phone, hours writing letter, and hours waiting for return calls that never come.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response