BMO HARRIS BANK NATIONAL ASSOCIATION

2019-09-08

Corona, AZ

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-08

Chicago, IL

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: I am a XXXX women. I made a purchase at the XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX XX/XX/2019. I used my BMO HARRIS banking card. The cashier stated that no more funds could be withdrawn from the card. I had to leave the line and go to an ATM and accrued another fee to get the cash to complete the transaction. This fraudulent practices when my account has the funds available. receipt # XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-08

Charlotte, NC

Incorrect information on your report

Vehicle loan or lease: Loan

Information is missing that should be on the report
Complaint: XX/XX/XXXX BMO Harris Bank XXXX. Box XXXX XXXX XXXX, IA XXXX Phone # : XXXX Fax # : XXXX XXXX : XXXX XXXX XXXX XXXX. Account # XXXX To Whom it may Concern, My name is XXXX XXXX XXXX XXXX and I am writing due to the fact that I feel that I am being treated unfairly by BMO Bank. I took over a Company called XXXX XXXX XXXX back in XXXX from XXXX XXXX XXXX XXXX of XXXX, NC. The XXXX XXXX XXXX XXXX XXXX that he purchased through XXXX Bank was found to have an engine that was no good in the first month of his purchase. I had the engine replaced through a purchase warranty and I have been running the Company and making the truck payment since the first payment of the loan. I asked XXXX XXXX to contact BMO Bank back in XXXX to inform them of this change and to inquire about having the loan put into my name. BMO Bank stated they would not do that. I have continued to pay this loan, never late always on time and on two different occasions I felt that I wanted to expand my company and add another truck but BMO Bank the first time told me that they were confused with my paperwork, no further explanation and I was denied. The second time I inquired with BMO Bank regarding a loan to acquire another tractor they once again denied me this time because they said there was to many inquiries on my credit report and that my accounts were not in place long enough. The standard response you get from a Financial Institution when there is no real basis for the denial. I have now nor did I than have any negative issues on my credit report for at least the past XXXX to 5 years. I have not been late or missed any payments due dates in the past XXXX to 5 years. I have paid BMO {$1200.00} per month for the past XXXX to 5 years and never missed a payment and never have I been late. Yet the only response I have received from BMO Bank is no or nonsense about inquiries on my credit report or not having accounts long enough. Clearly anyone can see from my credit history that none of the reasons BMO bank denied me for has had any bearing on my ability to pay on time consistently and this can not be denied. I am scheduled to be released from the hospital around XX/XX/XXXX. Before I entered this hospital on XX/XX/XXXX. I had inquired with BMO Bank asking them for a ( 3 ) month waiver because I would be unable to work the truck. XXXX of BMO Bank explained that there is a process to be approved for this and she was not sure as to how long it would take for me to receive an answer. What XXXX was sure of is that my monthly payment would increase, my interest rate would also increase and there was one more increase that would take place if I were approved for the waiver. I asked XXXX what I needed to do to be considered and she responded that some documents would be sent out to me but now as I am unable to work, I have yet to receive those documents to be considered for the waiver. It is crystal clear that BMO Bank could care less about me or about me being one of their customers. It makes no sense that I am paying {$1200.00} dollars per month from this hospital bed when BMO bank could have granted me a waiver especially for a XXXX International PRO Star Tractor that I will have paid off in ( 9 ) months. I am now clear about who BMO Bank is, they send me an invoice to my home each month for {$1200.00} and after they receive my money they pretend they dont know me and want nothing to do with me. I get it!!! I am requesting assistance with being recognized as the consumer whom has diligently been paying on this loan since day one. I would like the three credit reporting agencies to be made aware by BMO bank, that I XXXX XXXX XXXX XXXX has been paying the {$1200.00} invoices that BMO Bank has been sending me since day one. BMO bank has unjustifiably said no to me about ( 2 ) loan applications and they had no problem with not even responding to my request for the waiver even though from my hospital bed I have had to pay them out of pocket on time each month. I feel that I had earned the three previous requests that I had made to BMO Bank. I dont believe that anyone even BMO bank can take from me the reality regarding whom has paid the note on the XXXX International PRO Star For the last four years and that I should get credit for my efforts. I am asking that the three credit reporting agencies be contacted by BMO Bank to inform them of my four years payment history that the credit bureaus know nothing about. I would like my four years of payment history to be reflected on my credit reports. Here is thanking you in advance for any assistance rendered in this matter In case there is any questions or confusion as BMO bank claimed before regarding the validity of my request please feel free to contact myself or XXXX XXXX. Closing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # : ( XXXX ) XXXX Phone # : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX, NC XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-06

Federal Way, WA

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Complaint: This is regarding my personal checking account from Harris Bank BMO. I requested the account closure in late XXXX of 2019 and a check was supposedly mailed to me on XX/XX/XXXX. 2019. After a few days, weeks, months of not receiving the check, I placed multiple phone calls to determine the whereabouts of my funds. BMO Harris bank initially replied that the check was lost and as of XX/XX/XXXX the funds were returned as they may have mailed the check to the wrong address where it was returned to BMO Harris bank as undeliverable. I need my funds to pay off my car loan. BMO Harris Bank is stating that I must now wait their banks policy of 90 days before another check may be issued. I have communicated this to multiple individuals at BMO Harris bank, the last and most senior individual being a MrXXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-06

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-04

Monticello, WI

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: BMO Harris is using unfair if not illegal practices concerning depositing of cash funds and and backdating checks to create overdrafts. On XX/XX/2019 I went to my account online to find it was overdrawn $ XXXX.xx at XXXX XXXX. At that very moment I transferred {$700.00} from a savings account into that checking account. Looking at the account the next day ( XX/XX/XXXX ) showed a XXXX OD fee ( yes, I agree ) PLUS 2 more checks posted against the account on XX/XX/XXXX creating 2 more OD fees of {$72.00}! Clearly the two additional checks ( XXXX, XXXX ) were received by the bank on XX/XX/XXXX and then backdated to the XXXX. They WERE NOT in the account as of XX/XX/XXXX. I saw that figure online. Furthermore, the bank inexplicably puts my cash transfer deposit on a " PENDING '' status from the XXXX to the end of day on the XXXX! This itself is also wrong. The bank is manipulating all transactions to skew them against the customer and this should be illegal. I called them two times, once on the XXXX and again today. A customer service supervisor named XXXX at their XXXX XXXX center offered to refund 1 OD fee and not both of them. When confronted with details of their shenanigans she becomes very evasive and towed the company line of " we feel a customer needs to have full funds in the account as soon as they write a check. '' This is absurd, Full funds must be in the account when a check is presented to the bank for cashing. Another fishy bit about this is customer service on the XXXX confirmed the time of deposit was XXXX XXXX and that agrees with my memory. I knew it was past XXXX XXXX, BMO 's cutoff time for entries that day. Today, XXXX tried to tell me the transaction time was XXXX XXXX on the XXXX! Which actually supports my case. When questioned about thisd ridiculous statement she huffs and says she has " no time to go into minute by minute details ''. I point out that we are not talking about minutes here but DAYS!! And that is not important to her when it comes to being caught in a deception. In a nutshell, BMO has a strategic plan to defraud customers of fees by purposely manipulating dates a check debits ( posts ) and then holds deposits as " PENDING '' with no valid explanation, so on paper, it appears everything is smooth and legit. The blue " PENDING '' banner disappears when they finally credit the account, never to be seen again by an outside auditor or online in my account. Nail these thieving XXXX will you?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-09-04

Dayton, MN

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-09-04

Oak Lawn, IL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Personal information incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-31

Anderson Township, OH

Closing an account

Checking or savings account: Checking account

Can't close your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-29

Madison, WI

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-28

Reidsville, NC

Trouble during payment process

Mortgage: Home equity loan or line of credit (HELOC)

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-28

Chicago, IL

Managing an account

Checking or savings account: Savings account

Banking errors
Complaint: I signed up for a savings account promotion ( Promo Code XXXX ) that provided if I deposited {$10000.00} for 90 days I would receive a bonus of {$200.00} within 120 days of opening the account. I opened the account on XX/XX/XXXX, set up an external transfer account ( via verification of trial deposits ) and attempted to move the {$10000.00} to the account on XX/XX/XXXX. However, even though my external account was verified, there was no way to transfer the funds to my savings account ; the funds could only be transferred to a checking account. I called customer service and they said that I was unable to transfer funds directly to a savings account because of the limit on withdrawals ( this made no sense to me since I was transferring money into the account not transferring it out ). Regardless, the agent I spoke to ( XXXX XXXX, direct line : XXXX, NMLS XXXX ), said that I could transfer the funds to my checking account first then transfer them to my savings account and it would still constitute new money for the purpose of the promotional bonus. I did this in two transactions of {$5000.00} each into the checking account ( which were completed on XX/XX/XXXX and XX/XX/XXXX, respectively ), since there was a {$5000.00} limit in transferring the money into my checking account at that time. I then transferred the full {$10000.00} into my checking account on XX/XX/XXXX. 120 days after the account was opened on XX/XX/XXXX, was XX/XX/XXXX, which was a Saturday. I called the general customer service line for the bank on Monday, XX/XX/XXXX at XXXX XXXX Central Standard Time ( " CST '' ) and was told that promotional bonus distributions are made on Tuesdays. When the bonus was not deposited on Tuesday, XX/XX/XXXX, I called back on Wednesday, XX/XX/XXXX at XXXX XXXX CST and was told that I would not receive the bonus because the funds came into the savings account from the checking account. At this point, I called XXXX XXXX directly on Wednesday, XX/XX/XXXX at XXXX XXXX CST, left a message, and actually spoke to XXXX at XXXX XXXX CST that morning. XXXX told me that I should receive the bonus as the funds did constitute new money. He escalated the case to his manager that day ( record number XXXX ). I have called several times over the past two weeks and there has been no further development. I called and left messages for XXXX on Monday, XX/XX/XXXX, at XXXX XXXX CST, Tuesday, XX/XX/XXXX, at XXXX XXXX CST, and Wednesday, XX/XX/XXXX at XXXX XXXX CST. After it was clear that XXXX was no longer responding, I spoke to XXXX XXXX ( NMLS XXXX ) on Thursday, XX/XX/XXXX at XXXX XXXX CST and she told me that the escalation team had approved the promotional bonus and would be deposited by today, Wednesday, XX/XX/XXXX. When I did not receive the bonus, I called back in to check on the status at XXXX XXXX CST today, Wednesday, XX/XX/XXXX. I was transferred to customer service, and spoke with an agent ( " XXXX XXXX '' ) who told me that the reason my case was escalated was because the {$10000.00} was not deposited on the day my account was opened ( this is not a requirement in the terms of the promotion and the online account application offers two funding options : by check and by transferring funds from a bank account ). XXXX told me that the escalation had not been approved and there have been no further developments despite my multiple calls and attempts to move this along over the past two weeks. XXXX and I reviewed the terms of the promotion and she agreed that I had met the requirements and did not understand why the case had to be escalated. I left a message for XXXX, since what XXXX told me directly contradicts what she told me last week, but have not heard back yet and frankly, do not expect to hear back given how I have been treated so far. I also spoke to XXXX XXXX supervisor ( " XXXX '' who would not give any identifying information other than that she was the only XXXX in the two contact centers the bank has in Illinois ). She confirmed the information XXXX provided and said there was nothing for me to do at this point but wait for the escalation to be approved. Just the calls this morning took up over an hour of my time. I am extremely frustrated and disappointed in the bank 's lack of consistent responses and failure to adhere to the terms of their promotion.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-08-28

Naples, FL

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-27

Kansas City, MO

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I opened an account with BMO that came with a {$300.00} bonus if certain terms were met. I completed these terms ( as confirmed by company representatives, received 3 dates that the bonus was supposed to post by, and it still has not posted ). I no longer trust what the company representatives say, so this is my best resort. I've basically been lied to at least twice ( bonus will post by xx, it didn't ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-08-26

Edgerton, WI

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-08-25

Key Biscayne, FL

Opening an account

Checking or savings account: Savings account

Didn't receive terms that were advertised
Complaint: On XX/XX/2019, I opened a BMO Harris Statement Savings account. They were offering a {$200.00} bonus for opening a new Statement Savings account between XX/XX/2019 and XX/XX/2019 with an initial deposit of {$10000.00} or more of funds not currently on deposit at BMO Harris Bank or its affiliates and then maintaining at least {$10000.00} in the account for 90 days. The promotion code XXXX was automatically applied at the time the application was submitted online. I fulfilled all requirements on XX/XX/2019. Since I did not receive the {$200.00} bonus in the promised 120 days, I contacted them by phone on XX/XX/2019. The BMO Harris customer service representative initially stated the {$200.00} bonus will be credited at the same time the interest is paid to the savings account which should be at the end of XX/XX/2019 since the interest is paid quarterly. I explained her the bonus terms and conditions explicitly said the bonus will be paid approximately 120 days after opening as long as the account is open and in good standing. Then, the BMO Harris customer service representative reached the appropriate BMO Harris department to verify there were no issues with the bonus requirements. She called me back and told me the {$200.00} bonus should be already deposited by Friday, XX/XX/2019. Although this new date was 129 days after opening, I accepted to wait an extra 9 days. However, as of today, XX/XX/2019 I have not received the {$200.00} bonus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-08-24

Green Bay, WI

Fraud or scam

Money transfer, virtual currency, or money service: Mobile or digital wallet

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-24

Dallas, TX

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-23

IN

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: I opened a new checking account and use the promotion offer. I supposed to get {$300.00} after opening the account and two direct deposits of {$500.00}. After this I asked the bank multiple times why I am not getting the promotional amount. After research and multiple follow up calls, I was told that I didn't use a debit card. When I opened the account, I didn't get the debit card and the manager didn't mention to me anything about using debit card. This is clearly misleading advertisement and intentionally not disclosing all facts when I was opening the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-08-22

Randolph, MN

Money was not available when promised

Money transfer, virtual currency, or money service: International money transfer

Complaint: The bank performed an international wire transfer on Tuesday, XX/XX/2019 in the amount of {$43000.00}. The receipt indicates the funds should have been available on XX/XX/2019. To date ( XX/XX/2019 ), the funds have not arrived at the destination. I have emailed my bank with no response. I have called and have not received a call back. I contacted the dispute number on my receipt and placed a trace on the funds with a request the funds be returned if found. To date, the funds are still missing. All account numbers, etc. on the wire transfer have been confirmed and are correct.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-20

Mc Farland, WI

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Can't close your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-08-20

Livonia, MI

Unauthorized transactions or other transaction problem

Money transfer, virtual currency, or money service: Mobile or digital wallet

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-08-17

WI

Problem caused by your funds being low

Checking or savings account: Checking account

Bounced checks or returned payments
Complaint: On XX/XX/XXXX my checking account was overdrawn by XXXX after a utility payment posted. The XXXX overdraft occurred because of a gratuity on a restaurant bill. Charging a {$36.00} fee and returning a {$630.00} utility payment all for the lack of XXXX is disgusting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-08-13

Clermont, FL

Managing an account

Checking or savings account: Other banking product or service

Funds not handled or disbursed as instructed
Complaint: On or around XX/XX/2019, I deposited $ 5000+ into a BMO Harris account that had a {$500.00} incentive offer associated with it. At the time I was in the branch office in XXXX XXXX in XXXX, FL, there was a concern I had that the incentive offer was based on the wording that the money be deposited the same day as the account was opened. I brought this to the attention of XXXX, the branch manager there, and she assured me that if there was any problem because of that, she would take care of it. I just spoke with her today ( XX/XX/2019 ), more than 6 months after I opened the account, and she is wrongly telling me that I was supposed to do a wire transfer the next day. I told her that is not what her and I agreed on which was a bank to bank transfer. If what she was saying was true ( which is it not ), then she should have contacted me 2 business days later if she did not see the money and told me I was disqualified. However, I am 100 % certain that she knew and agreed to the bank to bank transfer, which can sometimes take 6 to 8 business days, which can amount to as much as 12 calendar days in some cases. It appears to me they are trying to look for false excuses to not pay me, even though I was assured I should be fine. I asked at least once for XXXX to give me written confirmation of her word but she never sent it to me, making me think she was trying to " XXXX me over '' all along. She claims she is trying to escalate it up the chain of command, but the agreement was that SHE would take care of any problems, not the higher ups. She appears to be looking for ways not to pay me the {$500.00} but the agreement was made and I met all of the requirements ( with the exception of the same day deposit but that requirement was verbally waived by XXXX ). I am requesting that if they say they told me I had to pay via wire transfer only, that they show written proof of that. If they can not, then they can not prove that is what they told me. My very clear recollection is that I told them I would be doing a bank to bank transfer and have to wait to go through the security procedures for doing that and they agreed. I gave them the example " Do you expect people to just walk in this bank with {$5000.00} cash in their pocket? That seems unreasonable ''. They agreed to that statement and told me a bank to bank transfer is fine and reasonable. They are telling me on the phone that because it took 11 days to deposit the money that it was " too long '' but they never told me any time limit to do the bank to bank transfer. They mentioned 10 days which is very suspicious because it is 1 day less than what I may have taken. Since I am at the mercy of the bank funding the bank to bank transfer ( and somewhat at the mercy of the receiving bank too ), I should not be penalized for taking 11 days to transfer the money. I remember I had a few challenges to get that transfer to work so it was not simple like just pushing a button. BMO Harris should be reprimanded for doing this to me. If they " knew '' I would not qualify, they should have let me know early so I could have taken my money out and invested in elsewhere. However since I feel I met ALL the requirements, I am holding them to the {$500.00} and if they do not pay, I am prepared to contact the local news and report them to warn other people NOT to bank at BMO Harris and possibly even sue them in small claims court. I had a similar problem with another bank ( XXXX XXXX ) but I " fought '' them and they paid. I am prepared to " fight '' again with this bank that is XXXX me around bigtime. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-08-08

Gilbert, AZ

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response