BMO HARRIS BANK NATIONAL ASSOCIATION

2015-08-21

Kildeer, 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

2015-08-13

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

2015-08-12

Wonder Lake, 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

2015-08-12

Indianapolis, IN

Using a debit or ATM card

Bank account or service: Checking account

Complaint: I called on XXXX/XXXX/15 at approximately XXXX and spoke with Branch Manager XXXX XXXX and explained to her my concerns about my account being debited 7 days after a purchase. I explained to her that I had been into my local branch BMO XXXX XXXX and my issues are still unresolved, she stated that she would look into this and call be right back she never returned my phone until after I called her back almost 24 hours later ( what about to Customer Service and Integrity ) After speaking with her on the next day I was informed that BMO Harris system indicated that my actual physical card was swiped 6 days later in which it was not and then removed from my bank account 1 day later. I then explained that I could produce a receipt stating that BMO Harris system is incorrect due to the fact the my receipt shows a date of Friday XXXX XXXX, 2015 not XXXX XXXX, 2015. She informed that its basically what BMO HARRIS system states and not my receipt. I asked for a corporate phone number and or address and she was unable to provide me with this information. She stated that she only had an internal number no contact number that could assist me.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-11

Twin Lakes, WI

Deposits and withdrawals

Bank account or service: Checking account

Complaint: It 's been told to me as I understand it that XXXX XXXX Institutions are requiredfor consumer concerns that within institution must be posted acknowledgement and/orrecognition of Office of Consumer Currency [ OCC ] and/or provide contact # Consumer Compliance Division ... nor FCPB ... .neither of which is provided. When asked for in XXXX XXXX, XXXX XXXX Senior Premier Banker, Vice President, Regional expressed no such ideaof any such agency that I was describing but offering outlandish excuses about myconcerns.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-08

Glendale, AZ

Managing the loan or lease

Consumer Loan: Installment loan

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

Disputed: Yes Timely Response

2015-08-07

Chicago, IL

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: We currently have a home equity balloon XXXX mortgage with BMO Harris Bank. We have paid this loan for 10 years and we have never been late or missed a payment until this point. XXXX XXXX lost his job XX/XX/XXXX and XXXX XXXX also is not working. As a result of our financial difficulties we could not pay the new balloon payment which went into effect XX/XX/XXXX. When we took out the home equity loan we were lead to believe that if we were unable to pay the balloon payment amount the loan would be re-set to interest only as long as we were current in our payments. BMO Harris purchased our loan from XXXX. We contacted the BMO Mortgage Dept. to see if the loan could be refinanced. BMO Mortgage informed us that because our credit had eroded due to our current financial difficulties that there was nothing they could do and referred us to the BMO Loss Mitigation Department. At the time our loan was not delinquent. The BMO Loss Mitigation Dept. informed us that there was nothing they could do because the loan was current. They went on to say that only after we were delinquent could they work with us on a solution and loan modification. They also went on to say that our credit score was going to be negatively impacted because they were going to report us as late to the credit reporting agencies. We have been working with the XXXX XXXX XXXX XXXX. They are a HUD certified mortgage housing counselor. ( Attachment ) XXXX advised us to first work out a plan with the XXXX mortgage holder and then work with the XXXX mortgage holder. XXXX recommended that approach based on the fact that we could not commit to a payment plan on the XXXX mortgage when we did not know what our XXXX mortgage payment would be. As a second mortgage holder we told BMO that we were first trying to work out something with the XXXX mortgage company before dealing with the BMO XXXX mortgage because until we knew what our first mortgage payment was going to be it was not possible to commit to a payment plan with BMO that we might not be able to maintain. ( Attachment ) However BMO has not been sincere in trying to help us with a XXXX mortgage modification. After we got a loan modification from our first mortgage holder we notified BMO and they filed a " Notice of Foreclosure ''. ( Attachment ) BMO is not working with us in an honest manner. They are continuing with a foreclosure while making unreasonable documentation requests within a limited time frame. ( Attachment ) The foreclosure notice was only sent to us and our condo association. Sending the foreclosure notification to our condo association was not a legal requirement on the part of BMO. They notified our condo association of the foreclosure in order to embarrass and intimidate us. We think BMO is using fear and intimidation toward us because we are XXXX, XXXX and have a large amount of equity in our home. BMO Harris wants to railroad us into foreclosure with a minimum amount of effort toward modifying our XXXX mortgage even though we had an excellent 10 year history in the past.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-07

Twin Lakes, WI

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I contracted with XXXX XXXX Movers for services that were never performed.. Regardless of the performance, the contract drafted by vantage .... '' ..authorizethe above named business to charge credit card indicated in thisauthorization form according to the terms outlined above. ". The contractCLEARLY STATES .... '' ... XXXX XXXX authorize XXXX Auto Movers.. '' This contract is clear and even was also provided to me by the recklessaction of my bank BMO Harris which this dispute is with. I under nocircumstances do I nor did I authorized to release via my account with BMOHarris any amount of funds to XXXX. BMO Harris sent mean arbitruary unsigned letter with a copy of contract that no where indicatesany relationship to XXXX XXXX XXXX. Regardless of BMO Harris banknow claiming, without providing any proof, that they [ BMO Harris ] now say, without in any writing are authorized outside scope of contract deliver funds to XXXX XXXX XXXX which is clearly not the " above named '' nor woulddo business with them. BMO Harris is not authorized to release any funds ofmine to XXXX XXXX XXXX ...
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-06

Bolingbrook, IL

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response

2015-08-06

Russell, IA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: For the past several months I 've been paying extra principal ( or so I thought ) each month when I sent in my auto payment. When I called this week I discovered the extra money I 've been sending has simply been paying any additional interest rather than paying down the balance as intended. So now I 'm paid ahead a month or more when I want to have my balance lowered as intended. When I contacted customer service they attempted to make me feel like this is a benefit to me, in case I do n't want to make a payment in the future I wo n't have to since I 'm paid ahead. Seems like flawed logic at best and outright robbery at worst. Why would I pay extra for any reason other than applying it to principal. If the lender does n't know how I wanted the money applied they could simply ask me. Seems to me they are lining their pockets by applying to my additional payment amount to interest rather than principal thus dragging my loan out further than I desire
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-05

S Milwaukee, WI

Application, originator, mortgage broker

Mortgage: Other mortgage

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

Disputed: No Timely Response

2015-08-05

Foothill Ranch, CA

Using a debit or ATM card

Bank account or service: Checking account

Complaint: My debit card was charged without authorization from XXXX XXXX XXXX in XXXX, NM. I submitted a fraud dispute with BMO Harris bank and received a provisional credit for a partial amount. The provisional credit was then reversed from my account with no warning or proof from the merchant that fraudulently charged my card in the first place for the amount of {$1100.00}.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-05

Itasca, IL

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: My husband and I have a home equity loan with BMO Harris. When we filed bankruptcy over XXXX years ago, they disabled our online account so that we could not view our account activity. The bankruptcy has been discharge and our loan has been modified, but I am told that I can not use online banking to so much as view my statements. They are not mailing me statements. I do not have access to normal customer service, I am told I have to talk to the loan mitigation department, which does not always answer their phone during business hours ( I often get voicemail ). As a customer, I want to be able to talk to someone during business hours, receive statements, and be allowed to view my account activity online. I have no idea if any of the payments I have made over the past year or so have even been credited to my account.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-04

Oxford, GA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: On XX/XX/2013, I XXXX with the XXXX XXXX to the XXXX XXXX. My civilian pay stopped at this point. It took many weeks after several delays for my XXXX pay to be established. During this period my HELOC payment to BMO Harris Bank was late as a result of the income lapse. Attempts have been made to have BMO Harris Bank remove this negative mark from my credit report due to my XXXX status. BMO Harris Bank has rejected my request.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-30

Manhattan, NY

Customer service / Customer relations

Credit card:

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

Disputed: No Timely Response

2015-07-29

Eloise, FL

Problems when you are unable to pay

Consumer Loan: Vehicle loan

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

Disputed: No Timely Response

2015-07-28

Golden Valley, MN

Loan modification,collection,foreclosure

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

2015-07-27

Reedsburg, 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

2015-07-25

Scottsdale, AZ

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

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

Disputed: Yes Timely Response

2015-07-24

Batavia, IL

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

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

Disputed: Yes Timely Response

2015-07-22

Oshkosh, WI

Loan modification,collection,foreclosure

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

2015-07-22

Manteno, 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

2015-07-15

Scottsdale, AZ

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

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

Disputed: No Timely Response

2015-07-15

Arvada, CO

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: I received a mortgage statement from BMO Harris bank. I noticed that my annual fee of {$35.00} that I sent in on XXXX/XXXX/2015 was not credited correctly ( they credited it to principal ). When I sent the {$35.00} in I even noted on the payment that it was for the annual fee. I contacted them at the number on my statement which is XXXX and spoke with XXXX. XXXX said that she would correct the problem and that it would take 3 to 5 business days. I was fine with the resolution until I asked her to mail me an updated statement. She told me that I could not have an updated statement and that they only sent XXXX per month. I asked her if that was the case even though you made a mistake. She said yes the XXXX statement rule still applied. I told her I was going to let you ( CFPB ) know about this rule. I have no idea if she is well within her rights or not, I just thought that you should know.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-15

IL

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: Harris Bank electronically deleted a good faith trade line from my credit bureau before the XXXX year law expiration date. After speaking with Harris Bank, BMO on several occasions, I was giving misleading information as to how my credit score plummeted due to Harris BMO deleting a good faith trade-line before the XXXX year law expiration. My score went down from a XXXX score to the low to mid XXXX 's. I would like the trade-line reinserted by the creditor to protect my fair credit rights. My fair credit rights were violated according to the law. Harris Bank, BMO is fully aware of their actions. The initial trade-line was deleted due to XXXX Credit Bureau sending in a frivolous dispute, which I attest to the fact I never disputed. XXXX has sense so far reinserted the trade-line. Unfortunately, XXXX, and XXXX who shared the data analysis from XXXX is not following suit. Harris Bank is refusing to reinsert the good faith trade-line, knowing my fair credit rights were violated. It was stated to me by a Harris Bank, BMO employee a carbon copy was shared amongst XXXX, XXXX and XXXX damaging my credit worthiness as well as my credit score. Please investigate this matter thoroughly. Additionally, sending supporting documents attached.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response