BMO HARRIS BANK NATIONAL ASSOCIATION

2015-05-15

Sun Prairie, WI

Taking/threatening an illegal action

Debt collection: Other (i.e. phone, health club, etc.)

Attempted to/Collected exempt funds
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-05-15

Blmgtn, 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: Yes Timely Response

2015-05-15

Addison, 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

2015-05-11

Sandy Hook, MO

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

2015-05-08

Derry, NH

Billing disputes

Credit card:

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

Disputed: Yes Timely Response

2015-05-07

Chicago, 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

2015-05-06

Palos Park, IL

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

2015-05-06

Palos Park, IL

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: This is a follow-up complaint to my previous submission, Case number XXXX. The previous submission involved a {$5700.00} " Ghost Loan Fragment '' that kept appearing on the larger of my XXXX HELOC loans with BMO Harris Bank. This XXXX problem was resolved by human intervention of the local Branch Manager, who effectively " zeroed-out '' the loan to show a true {$0.00} principal balance. I received XXXX letters via regular mail from BMO Harris regarding this issue. NOW, however, I am faced with ANOTHER Principal & Interest pay-down issue with my smaller HELOC that still carries a balance! Just yesterday ( Tues., XXXX XXXX, 2015 ), I went to my local bank branch and wrote out XXXX separate checks : a principal payment check of {$850.00}, and an interest-payment check of {$25.00}. After submitting these to the bank teller, I asked for a printed ACCOUNT INQUIRY. To my dismay, the CURRENT PRINCIPAL balance showed a reduction from the previous balance of {$24000.00}, to a new principal balance of {$23000.00}! And the CURRENT INTEREST was still held at {$25.00}! Therefore, a basic accounting error was made by BMO Harris! Instead of applying the directed {$25.00} to the interest, they erroneously applied ALL of the payment to the principal! Thoroughly disgusted, I immediately asked the teller to check, who then referred me to the Chief Teller. " Everything was coded correctly [ regarding P & I payments ], on our Front End, '' the Chief Teller told me. " This must have happened in THE BACK ROOM! So, we know nothing about this! '' THIS IS A MAJOR PROBLEM FOR THIS BANK! NO ONE SEEMS TO KNOW WHAT HAPPENS REGARDING YOUR P & I LOAN PAYMENTS! EVEN WORSE, THEY TELL ME THAT THERE IS NO LOAN DEPARTMENT, PER SE! THEREFORE, THERE IS NO ONE TO WHOM THE CONSUMER CAN COMPLAIN, WHO KNOWS THE ANSWERS! I then asked to see the Bank Manager ( the XXXX who had zeroed-out my XXXX HELOC balance ). I showed her the check intended for interest payment, and she walked back to the Teller area. She ( XXXX XXXX, Bank Manager ) soonreturned, bringing with her XXXX XXXX ( Market Manager ). XXXX XXXX complained that XXXX XXXX had to " break our Protocol '' in order to correct and remove the previous {$5700.00} " Ghost Loan Fragment, '' and that she really should n't have done that! As regards my current dilemma, he said ( incorrectly ) that my current interest was even owed! Instead, the amount paid mysteriously appeared in the PAYOFF section of the ACCOUNT INQUIRY. Very disturbed, I pointed out to him that the Bank 's ACCOUNT INQUIRY was INTERNALLY INCONSISTENT! I told him that there was very little accountability and way too much oblique " blame-passing '' to their mysterious BACK ROOM for loans! He replied that it would take hundreds of thousands of dollars to correct their system! Thus, I asked XXXX XXXX the name and phone number of the person above him. It was XXXX XXXX, Regional President. I phoned her office that very afternoon. She was away on business, so I gave a detailed description of the problem to her Assistant - - XXXX XXXX. I also gave her my home phone number. As of now, no return call to me has been made.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-05-06

NY

Closing/Cancelling account

Credit card:

Complaint: I submitted complaint XXXX XXXX XXXX. I received this complaint closure letter today ( XXXX XXXX ) with the following text : 'We reviewed the complaint you submitted to us on XXXX XXXX, 2015. Although complaints can be submitted on behalf of others, the bank has indicated that it is unable to process the complaint without authorization from the consumer. No further action will be taken on this complaint. The consumer can submit a complaint on their own behalf by contacting us ' This makes no sense. I AM the consumer and I filed the complaint. Since filing the initial complaint, Diner 's Club has closed my account in retaliation.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-05-05

Kenosha, WI

Loan servicing, payments, escrow account

Mortgage: Other mortgage

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

Disputed: No Timely Response

2015-04-27

Clayton, MO

Using a debit or ATM card

Bank account or service: Other bank product/service

Complaint: I purchased a piece of luggage from XXXX and the XXXX use of the new luggage resulted in the luggage being damaged. It was a large hard-sided shell and the shell was cracked beyond repair along with XXXX of the wheels being pushed up into the luggage to where it was unstable. I took the luggage to a XXXX authorized repair facility and they stated that it was damaged beyond repair and that it would not be covered by the XXXX warranty. The XXXX Warranty only covers manufacturing defects or damage and states it does not cover airline mishandling. I called XXXX to resolve the issue because this was the first use of their product and I believe they have a manufacturing defect in that they have not designed the luggage to withstand well know rough handling within the industry for which their product is designed to be used. This to me is an implied use warranty. XXXX refuses to credit my card, although they have sent an email indicating that if I want to send the damaged luggage back to them that they will re-evaluate my claim, but the luggage must be sent at my expense and for which I will NOT be reimbursed, even if they ultimately agree that the damage should be covered. I have gone to XXXX and USPS for shipping estimates and due to the large size of the luggage, it will cost me a minimum of {$60.00} to ship it to them for their evaluation. I then contacted my bank to open a dispute to have the amount credited back to my debit account, and the bank BMO Harris, has refused to do anything. Their position is that because the issue is not involving fraud, that I had no dispute that they could assist me in curing. I do not understand this policy as there is no other recourse for me to attempt to recoup my money without having to prove the airlines mis-handled the luggage, which THEY will require me to prove. This is extremely frustrating, and I would like to complain about the refusal of the bank to attempt to resolve this dispute for which their access device was used, as well as I 'd like to complain that XXXX can not simply disregard the fact that their product is not manufactured to withstand known aggressive handling within the industry for which their product is primarily intended to be used.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-04-23

Tucson, AZ

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: I have lived in XXXX XXXX for 50 years, my lifelong desire was to retire here and have my home to retire in. My husband and I purchased our home in XX/XX/XXXX, we worked hard and were able to make all the mortgage payment in 30 years, and after much sacrifice our home was finally free and clear. Now we face the distinct possibility of losing our home to foreclosure and may end up on the streets. I work hard and am a good citizen that has fallen on hard times. My loan servicer, M & I, closed the door on communication years ago when I tried to get assistance on my mortgage. I was completely shut down by their representatives who had no compassion for my circumstances. I am now in a situation where I am holding on to my home by a thread, when all it would have taken was a little bit of effort on the part of M & I to provide me access to available assistance programs for homeowners. It has been a very difficult time for me as I struggled to get back on my feet financially and attempt to same my home.My husband passed away in XX/XX/XXXX. My life took a XXXX degree turn for the worst as my life time partner, my friend was gone for good and left me facing all of the family affairs. Soon the bills started piling up, my husband 's creditors started harassing me for payments. In XX/XX/XXXX, I was forced to refinance my home to help cancel my husband 's debt and for home improvements. We installed a new roof, repaired the central air conditioner, and other improvements. I did not realize I signed up for an interest only payment. I reached out to M & I for assistance, but was immediately shut down. I fell behind on my payments and I tried to negotiate some type of agreement. I fell further and further behind. I had every door closed on me as I tried to have a loan modification case opened.I can not see where it is ethical or fair to block me from applying for assistance. They were so eager to sign me up and refinance my property. They are required by the government to review my loan for options and my loan should have been review over the past few years for retention options. I only spoke with one person at M & I but refused to work with me on my loan. I feel that I need my issue elevated to an executive level. I have n't been able to speak with above the line staff level and I was hoping your office could intervene and get me someone who could take my matter seriously and speak on my level. I should have never had to go through the difficulties they put me through and it looks like they got about XXXX to help homeowners. It appears that my loan qualified for government modification programs when I reached out to them in the past. Now they are trying to take my home away through foreclosure. It 's their fault that I am so far down the road and behind on my payments because they should have helped me years ago. They do n't understand their improper communication made a bad situation worse. My income is steady and I want to keep my home. I am hoping your office could contact them on my behalf to open the door to a meaningful discussion to save my home and get my loan on proper footing. I could really use someone in my corner and I am certain I can work this out with M & I if I speak to the right people. Thank you for your time and I am hoping you can help.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-04-20

Mc Farland, WI

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

2015-04-20

Brown Deer, WI

Loan servicing, payments, escrow account

Mortgage: Other mortgage

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

Disputed: Yes Timely Response

2015-04-17

East Troy, 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

2015-04-15

Arnott, WI

Loan servicing, payments, escrow account

Mortgage: Other mortgage

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

Disputed: No Timely Response

2015-04-15

Sandy Hook, MO

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

2015-04-14

Boca Raton, FL

Making/receiving payments, sending money

Bank account or service: Other bank product/service

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

Disputed: No Timely Response

2015-04-10

Milwaukee, 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

2015-04-10

Chenequa, 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: Yes Timely Response

2015-04-06

Hamburg, MN

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

2015-04-05

Palos Park, IL

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: I have had a terrible experience with being inappropriately charged with paying a recurring " ghost loan fragment '' on XXXX of my HELOCs ( Home Equity Lines of Credit )! There are XXXX concrete recent examples of my bank INCOMPETENTLY and INCORRECTLY servicing my HELOC payments : ( 1. ) Early this year, the bank incorrectly showed on my account statement, that my principal balance had been paid down to {$0.00}. In actual fact, they neglected to post an {$8600.00} transaction ( using a check to buy shares of a particular stock ) to my HELOC account balance. I repeatedly went to the bank and personally PLEADED with them to examine and find this amount! I was being completely honest and forthright with them! This was a serious bank error which would have been in my favor! My experience is that the Personal Bankers would say, " Oh, I 'm not in the Loan Department! That is not my responsibility! '' To make things even worse, they have recently revealed that my bank DOES NOT EVEN HAVE a PHYSICAL LOAN DEPARTMENT! Therefore, when a problem with a HELOC emerges, there seems to be no XXXX available to correct or address the issue! Instead, there is a collective shrugging off and abdication of responsibility! ( 2. ) Just over the last month, after I finally got the bank to post the {$8600.00} amount to my HELOC principal balance, I was very eager to pay it off, and obtain a " true zero '' ( {$0.00} ) balance on my account. On XXXX XXXX, 2015, I did pay the principal down to {$0.00}. I even obtained a printed ACCOUNT INQUIRY, showing that this was, indeed, the case! But the very next morning ( on XXXX 2015 ), I awoke to see a balance of {$5700.00} ( along with accrued interest ) back on my HELOC account! I was completely enraged! What is going on? I had to go and argue with the BankManager, calling the Regional President 's Office ( who was out of town, on vacation ). " I am filing a formal complaint! '' I bellowed. Finally, the local branch Manager said that she would fix the problem, and told me to have a nice day! " I 'm not having a nice day! '' I shouted. " This is totally ridiculous! Why would I ever want to get another HELOC from this bank? '' Well, apparently, the local branch Manager finally did correct the issue, as my HELOC principal balance is now back down to " true zero '' ( {$0.00} ). And I did get a phone call from the President of Marketing, who asked me about the problem. THE POINT IS, I SHOULD N'T HAVE TO BE GOING THROUGH THIS TRAUMA! AND NEITHER SHOULD THE LOCAL BRANCH MANAGER! MY BANK NEEDS TO GET THEIR BOOK-KEEPING OF LOAN PAYMENTS CLEANED UP! THEY ARE NOT BEING RESPONSIBLE LENDERS! I can only hope that another " mysterious ghost loan fragment '' does n't somehow REAPPEAR, again, on my HELOC principal balance!
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-04-03

Hinsdale, IL

Deposits and withdrawals

Bank account or service: (CD) Certificate of deposit

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

Disputed: Yes Timely Response

2015-04-03

Buena Park, CA

Account opening, closing, or management

Bank account or service: Checking account

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

Disputed: No Timely Response

2015-04-01

Skanawan, 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