BMO HARRIS BANK NATIONAL ASSOCIATION

2015-09-30

Hillsboro, ND

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

2015-09-28

Bloomington, MN

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I had a target debit card payment go through that overdrew my account {$.00} - XXXX XXXX CENTS and they RETURNED the payment to XXXX and slapped me with a {$35.00} fee. I will also now get a {$30.00} fee XXXX. Their overdraft policy CLEARLY states if your account overdraws less than {$5.00} there will not be a fee. Not only did I get the fee they returned the payment entirely. This is insanity! I am now paying {$65.00} for a {$0.00} mistake.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-24

Gages Lake, 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 monetary relief

Disputed: Yes Timely Response

2015-09-22

Saint Petersburg, FL

Late fee

Credit card:

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

Disputed: No Timely Response

2015-09-22

Chicago, IL

Customer service/Customer relations

Other financial service: Check cashing

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

Disputed: No Timely Response

2015-09-20

Mc Farland, WI

Application, originator, mortgage broker

Mortgage: FHA mortgage

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

Disputed: Yes Timely Response

2015-09-19

Milwaukee, WI

Deposits and withdrawals

Bank account or service: Savings account

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

Disputed: No Timely Response

2015-09-16

Schaumburg, IL

Customer service / Customer relations

Credit card:

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

Disputed: No Timely Response

2015-09-15

Shawano, WI

Other

Credit card:

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

Disputed: No Timely Response

2015-09-12

Wind Point, WI

Deposits and withdrawals

Bank account or service: Other bank product/service

Complaint: I went to BMO bank XXXX XXXX XXXX XXXX WI. I gave them a {$10.00} bill and asked for a roll of quarters. They asked if I had an account there. I said no. They said they could not give me the roll of quarters. They said they are saving them for their customers. What are banks for? I used XXXX money asking for XXXX money. Are the United States low on quarters?
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-09

Chicago, IL

Application, originator, mortgage broker

Mortgage: Other mortgage

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

Disputed: No Timely Response

2015-09-09

Hoffman Est, IL

Credit decision / Underwriting

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

2015-09-04

Scottsdale, AZ

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I want to create a situation to safely pass along my account to my daughter and nobody will comment on how to do it. They say I need 3rd party legal advice and 3rd party legal advice only knows so much. I want to know risk and terms regarding the ending of my account when I pass away and nobody answers those simple questions. I want to know if a debt holder could find out about my giving my account to my daughter who has unpaid debts, but nobody will answer that simple question as to what the bank will show in any availability to debt holders. I am widow of retired XXXX XXXX
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-03

Chicago, IL

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I am seeking your help because my mortgage company is refusing to help me avoid foreclosure, it is now over 9 months since I was laid off and bmo Harris bank told me that they were going to help me modify my loan. Now after several months under review working XXXX, they just told me that they are not going to help me avoid foreclosure because it is not on the best interest of the investor to help me or my familyPlease help!!!!!!! XXXX XXXX
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-09-02

Dardenne, MO

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

2015-09-02

Tampa, FL

Deposits and withdrawals

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

2015-08-31

Ferryville, WI

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

2015-08-31

AZ

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I have XXXX Home Equity Lines of Credit with M & I XXXX Bank. BMO Harris Bank N.A . now claims ownership of these HELOC 's and has attempted several times to coerce me to redo the agreements. They have lied to me, threatened, bullied, misrepresented facts and used predatory practices in attempt to have me redo the HELOC 's. They have finally decided after several threats to " close the file '' to report that I am delinquent on my HELOC 's after paying without a missed or late payment approximately {$120000.00} dollars. After three attempts and different " reasons '' I must redo the HELOC 's, they settled on " your HELOC 's have matured ''. The problem with this and by BMO Harris 's own admission is that the M & I HELOC 's they acquired with the acquisition have no maturity date. They are attempting to scare approximately XXXX customers into redoing their M & I Lines of Credit to improve their bottom line. I believe this is an illegal practice and needs to be addressed properly. Further they are fraudulently reporting XXXX HELOC as a " charge off '' and another as " current ''. This is incorrect reporting to the credit reporting agencies. All of this is a result of BMO Harris Bank N.A . claiming ownership of the M & I Lines of Credit, illegally " calling them due '' and then reporting my delinquency to the credit bureaus when it is in fact BMO Harris Bank N.A . that has breached the Home Equity Line of Credit without question. They need to be stopped!
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-08-29

Clayton, MO

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I have banked with BMO Harris Bank for XXXX years. As a XXXX we get a lump of XXXX paychecks that are deposited in XXXX to cover our XXXX. I has addressed this with BMO and I was assured that I would not be charged the {$10.00} monthly fee for no direct deposit. They continued to ping my account, which caused it to go into the negative. I have recently married and due to merging accounts at my husbands bank I was keeping things at a bare minimum. I did however get student loan deposits into that account, so actually I did have direct deposits into the account. The banker at the XXXX XXXX, MO office assured me that it would all be taken care of, because between the XXXX months there was a total amount of overdraft fees and XXXX fees that totaled XXXX dollars. I was told they would fix it all and to not worry. Everyday that they were " working '' on it they pinged me with a XXXX fee. They total amount they took is now over XXXX and they closed my account. The lack of communication ( I was told I was busy,, do n't worry I 'll get to it tomorrow ) has now led to my account being upside down, when it should not have been and they have taken advantage of a situation that was their fault. I am a XXXX with XXXX sons who is in a XXXX at the beginning of the year. I expect my bank to be better organized and when I 'm told they will fix the problem they created I expect it to be fixed.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-08-28

Reedsburg, WI

Loan modification,collection,foreclosure

Mortgage: Other mortgage

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

Disputed: No Timely Response

2015-08-27

Scottsdale, AZ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

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

Disputed: No Timely Response

2015-08-27

Jacksonville, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I made my payments on time with BMO HARRIS bank, and somehow they missed one of the checks my bank sent, the money cleared my bank account, and the funds were taken from my XXXX checkings account. this happened XXXX of 2014, they 've been calling me an harassing me for a whole year about it, and I already explained the situation XXXX times to different people. they never put notes on the system, they 've called my mom at work, my brothers and almost got my Mother fired, I am a United states Marine. a and they call my job everyday from the same number. and they are not trying to work hard to find out who lost the check and were did my money go. at this point like I said my money cleared the account and I never got reimburse for the lost, if you look at my payment history I 've never missed one payment! and I have XXXX cars. they told me they would take my car and that it was n't their problem the money got Lost, that I HAD to pay.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-08-26

Aiken, SC

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

2015-08-26

Indianapolis, IN

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

2015-08-24

Cary, 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

Disputed: No Timely Response