BMO HARRIS BANK NATIONAL ASSOCIATION
Consumer Complaints
There are over 1624 complaints on file for BMO HARRIS BANK NATIONAL ASSOCIATION. Dated between 2019-12-04 and 2011-12-08.
Complaints Page 6
2019-06-19
Chicago, IL
Managing an account
Checking or savings account: Checking account
Funds not handled or disbursed as instructed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-13
Itasca, IL
Managing an account
Checking or savings account: CD (Certificate of Deposit)
Banking errors
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-11
Chilton, WI
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Personal line of credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-07
Ft Myers, FL
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-04
Milwaukee, WI
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Sent card you never applied for
Complaint: Approximately 3 months ago I received a credit card in the mail from BMO Harris Bank. I did not order this credit card, ask for it, apply for it, nor did I make the activating phone call noted on the back of the card. I mailed a note to BMO Harris Bank on XX/XX/2019 explaining the above and noting the card has never been used. To date I have received no mailings and/or reply from BMO Harris Bank, only a billing statement asking for the yearly fee of {$80.00} due on this card. Three statements have followed, stating in addition to the yearly fee, fees charged and interest charged now total {$180.00}.
I am an XXXX year old female, and I consider this an unfair and deceptive practice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-06-03
Key Biscayne, FL
Managing an account
Checking or savings account: Checking account
Banking errors
Complaint: On XX/XX/XXXX I attempted to open a new checking account with BMO Harris Bank. Their website had an error and I could not fund my account online. On XX/XX/XXXX I called the bank to fund my account and finalize opening. They instructed me that their website was having issues, so I had to mail in a check to fund my new account. I did this, which took until XX/XX/XXXX to post to my account. This delayed all account transactions until then - all due to a website error on BMO 's part.
During this time, I was required to make meet some requirements in order to be eligible for a {$200.00} welcome promo bonus. The requirements were to make 10 debit transactions + receive two direct deposits of {$500.00} each, all within 90 days.
Due to BMO 's website error and unforeseen delay, I could not get my account number in time, or log in online, to properly schedule my payroll 's direct deposit in time to meet their deadline. I did end up fulfilling their requirements, but a few days after the deadline. BMO does not want to honor their {$200.00} welcome bonus despite having considerable setbacks on their part.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-06-02
Pinellas Park, FL
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Overcharged for something you did purchase with the card
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX All of these charges and bills resulted from a trial offer of 2 XXXX products that were supposed to be free.
XX/XX/XXXX XX/XX/XXXX XXXX XXXX UT XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX UT XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX UT XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX UT XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX UT XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$69.00} + XX/XX/XXXX XXXX {$79.00} When I received 2 bottles of XXXX products in the mail Friday XX/XX/XXXX I called the number on the envelope to find out why. I did not recognize the sender on the envelope. No invoice was in the pkg regarding billing. I was informed it was part of an online trial offer I accepted for {$4.00}. I asked them what they billed me for the product and XXXX at the call center said $ 450+ for 3 shipments of a product that would have cost me less than {$100.00} on XXXX . I told him I wouldn't pay. He said he would take off 2 charges ( {$69.00} and {$79.00} ) and I would have to pay the rest. When I refused and asked him who took my money he said he didn't know. I called BMO and got the following response.
Customer service advised me they would send a new card, and said XXXX handles their fraud claims.
Several employees in XXXX claimed I didn't have the right to dispute the charges ( XXXX ). They all sounded like they were from XXXX but they said they were in XXXX. They said they KNEW I accepted the Terms and Conditions. I now, remember that event - I was solicited, decided to try the product for the {$4.00} and before even 10 seconds had past, in the middle of my reading, I was redirected to the payment screen.
The employees in XXXX seemed to know my issue before I could finish explaining. And they seemed to know this company, and adamantly refused to process my dispute. I told them I would file complaints with XXXX - Florida Office of Financial Regulation- Consumer Financial Protection Bureau and ftc.gov XXXX said she didn't know any information about who received my money, and that the bank sent money to 4 different companies, via call centers, for the 2 XXXX products.
Every company listed in my BMO acct was using a call center, they refused to tell me the brick/mortar stores names/addresses of the companies who billed me.
No invoices with charge amounts, were in the envelopes I received.That 's why I thought the products were free trials.
The call centers claimed they would refund some of my money ( I called 3 ). I want all my money back except the {$4.00} and {$1.00} for shipping/handling. All of these call centers were provided my personal info/account without my knowledge.
I looked at my BMO charge card online today ( Sat XX/XX/XXXX ) to see if they really refunded me any money, and no refunds were shown.
I called BMO customer service, and was told that she was blocked from speaking with me, and that I would have to come to the downtown XXXX office to speak to them in person, eventhough I had full access to my online account and their telephone customer voice line. I asked her who blocked me, and she said, she couldn't tell me that.
BMO Harris is included in my complaint for poor practices and not protecting me, the client, and for not telling me who they were giving my money to. I planned to dispute the charges directly to the companies, but since BMO said they didn't know anything about them except the call centers telephone number, and they refuse to file disputes, it leaves me no recourse except to try and get relief from your office.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-31
Melrose Park, IL
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
2019-05-29
Galena, OH
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-29
Sun City, AZ
Problem caused by your funds being low
Checking or savings account: Checking account
Bounced checks or returned payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-05-28
Oconomowoc, WI
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
2019-05-27
Chicago, IL
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Can't stop withdrawals from your account
Complaint: We were a long time business customer with BMO Harris in XXXX. Our account was repeatedly compromised. Starting XX/XX/XXXX, small telephone transfers began to happen. We reported this. However, the transfers began to mirror our own ACH payments such as XXXX, XXXX, XXXX XXXX, etc. We assumed that these payments were ours. When we realized they were not, we contacted the bank and found that an unknown person had been given permission to make telephone transfers. These transfers totaled {$14000.00}. BMO told us that our only option was to close our account and there were no other remedies. Their fraud division is not contactable and does not respond to calls or emails. We were told by our local branch to close our account. We had the expectation that BMO had fraud measures in place, however, it seems probable that the person that committed this fraud actually works for the bank. After forty years in business, working with BMO has been the worst experience we have ever had.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-26
Skanawan, WI
Closing an account
Checking or savings account: CD (Certificate of Deposit)
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
2019-05-24
Rollingstone, MN
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-05-24
Apple River, IL
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Last XX/XX/XXXX I received a letter from BMO Harris Bank that as of XX/XX/XXXX, they would no longer pay our property taxes ( both, property tax and Homeowners are included in mortgage payment ). I thought it was odd, but just thought that they were discontinuing this practice and we would have to begin paying ourselves in XXXX when first installment was due. I figured BMO would recalculate my payment to reflect this. In XX/XX/XXXX, much to my surprise, I got a letter from my county saying that my property had been sold for delinquent taxes! I was irate. I never received notice that BMO hadn't paid the XXXX XXXX installment, which was before XXXX. It took 3 days to reach a human. I was told that they no longer had interest in our property so they didn't pay them. I asked what that meant and why did I not get a letter informing me that they didn't pay. She put me on hold and never came back. In XXXX we received our mortgage statement and it demanded full payment of nearly {$18000.00}. I called again, which took nearly a week to reach someone. I was then told that our mortgage had been " tagged '' incorrectly as if we had filed bankruptcy against the house and that they problem would be fixed immediately. It was not. In XXXX, again we got the mortgage statement and it asked for {$18000.00} again. So I started trying to call again ... .I was NEVER able to reach a human!! I also wanted to know why, if they were no longer taking money out for escrow, why has my payment not gone down, and where was this money going. After trying to call several times over a 2 week period, I called a local branch and asked for the manager. XXXX XXXX is the branch manager at the XXXX branch in XXXX, Il. The first time we spoke was XX/XX/XXXX. She attempted to call the mortgage department and was told that that information is internal?!!? Even their own branch manager was unable to reach someone! She then sent an E-mail explaining the issue. Nothing was fixed as of XX/XX/XXXX so I called XXXX again. She said that she had gotten a response and they were going to fix it immediately. I also received notice that my homeowners was due in a week. My wife and I are on a tight budget so we did not have an extra {$500.00} laying around to pay it as it is included ( supposedly ) in our mortgage. I am now worried, so I called XXXX once again on XX/XX/XXXX. Still, nothing has been fixed. XXXX had sent a 2nd E-mail and they responded that they had to gather information in order to fix it ... but they are the ones with all the information! On XX/XX/XXXX I received a letter that my homeowners insurance has been cancelled. This is a rental home so I pray that no one is injured now. I called XXXX once again today, XX/XX/XXXX. Still no word ... .not fixed ... XXXX taxes were not paid either ... .so now ... we owe {$1000.00} in taxes ... {$500.00} to homeowners. This is crazy!! My wife and I have never been late on our payments to BMO or anyone. But we are being made to look like deadbeats! Our names were in the paper for the property being sold for taxes. Our homeowners has dumped us. Please help!!! Our next step is a lawsuit. One last thing. Since we have continued to make full monthly payments, where has escrow money been going? They have my number..WHY COULDN'T THEY JUST TAKE THE TIME TO CALL ME? Why has it taken 10 months to fix a simple problem?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-23
MN
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Problem with paying off the loan
Complaint: BMO Harris P.O. box XXXX XXXX XXXX IL.
XXXX We have a car loan through BMO Harris.
They refuse to provide any paperwork or provide Internet information on the loan.
We wanted some sort of overall proof of payments made and charges over the course of entire loan.
They refuse to provide any information to us.
There is most definitely some fraudulent activity going on here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-05-22
IL
Took or threatened to take negative or legal action
Debt collection: Mortgage debt
Threatened to sue you for very old debt
Complaint: XX/XX/XXXX To whom it may concern, Regarding : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Back around XXXX I had a HELOC Home Equity Line of Credit. When the recession hit my husband and I could lost our jobs and we could not pay our bills. When my husband gained employment we were able to do a modification. This was done and our HELOC was charged off. Years later, I called my creditors and made good on past accounts with payment arrangements. It was then, that I discover that my HELOC was sold from M & I Bank to BMO Harris Bank N. A. I was never notified the loan was sold at that time my house was under water by over 100K.
I called BMO in the past and have tried to settle, but they insist on at least 35K. I have told them this is not possible. This year, I received a 1099-C with a Identifiable event code of G. My accountant said it wa A cancellation of debt. When I did my taxes they said I was insolvent.
I called BMO XXXX XXXX XXXX XXXX and spoke with XXXX regarding the 1099-c. For the amount of XXXX She said the reason I received the form was because I had passed the statute of limitations for collections. I then asked if they would remove the lien. She said no, NOT until I pay off the debt. She wanted to settle for XXXX. I told her if I could I would have. And that even if I sold the house today, after expenses paying the 1st only, I would need to come with money to the closing table. I told her I would like to have the lien release. Since I have a 40 year loan and want to refinance. I do not think I will live to be 98 and pay the first off much more the second. I told her it does not make sense to charge off the debt, and for them to get the tax ride off and still collect from me. It seems like they are double dipping. Well XXXX said I could write a hardship letter and maybe they will accept a lower amount.
I am wondering if I have any rights as a consumer for this. Since I am in no position to hire and attorney. I have searched the internet and its called XXXX debt. There is contradicting information. I am also sending this letter to other agencies, as I feel the their business practices are deceptive and illegal for trying to collect after a cancellation of debt 1099-C.
I can be reached at XXXX ) XXXX the best way is email XXXX Thank you for your time, XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX .cc Federal Reserve .cc Attorney General .cc XXXX XXXX XXXX .cc Fair Debts Collection Practices
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-05-22
Colfax, IN
Opening an account
Checking or savings account: Checking account
Didn't receive terms that were advertised
Complaint: I opened an account with BMO Harris Bank on XX/XX/XXXX using promo code XXXX.
I decided to open this account for two reasons : it offered XXXX monthly maintenance fees, and a {$200.00} bonus payable approximately 120 days from account opening if the terms were met.
The terms were : Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$500.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening.
AND Have at least 10 debit card purchases made with your BMO Harris Bank Debit Mastercard post to your account within 90 days of account opening.
I met both of these requirements in the first 90 days.
I waited well past the 120 day mark, which would have been XX/XX/XXXX, to call into customer service to find out why my bonus had not been credited.
I first emailed, but was told I had to call, so I called and spoke with a XXXX on XX/XX/XXXX. The call lasted approximately half an hour. XXXX put me on hold several times to speak to their marketing department.
She explained that my deposits came through XXXX, which caused an issue. Their system was recognizing it as a transfer, not a deposit. I explained to XXXX that I do freelance work and that is how I get paid. My paycheck comes through XXXX, and that is my ONLY option for getting paid.
Also, when I lived in Alabama several years ago, I opened a checking account with XXXX XXXX and they also offered a bonus at that time. I also did freelance work then and was paid through XXXX. I received their bonus with no problem.
So XXXX stated she would forward that information on to Marketing and if they needed to verify my earnings, they would contact me. She told me bonuses are credited every Wednesday. Well, I did not receive the bonus last Wednesday, XX/XX/XXXX, or today, XX/XX/XXXX. No one from customer service has contacted me for additional information.
I am not calling in again to waste another half hour on the phone and get no answers.
If BMO is advertising a bonus, they should honor it. I met ALL the qualifications.
If BMO does not count funds deposited from XXXX as a qualifying deposit, they should mention this in their terms and conditions for the offer. As this is not explicitly stated in the terms, I expect this bonus to be honored. 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
2019-05-21
Colfax, IN
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Information belongs to someone else
Complaint: My identity was compromised while oversees from XXXX to XXXX. During this time a fraudulent account was opened in my name by BMO Harris. I demand that this item be removed from my XXXX report immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-17
Virginia Bch, VA
Closing an account
Checking or savings account: Other banking product or service
Funds not received from closed account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-16
Scottsdale, AZ
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 monetary relief
2019-05-16
Wonder Lake, IL
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
2019-05-15
IL
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Complaint: Good Afternoon, We are having a problem with our bank, BMO Harris Bank. On XX/XX/2019 we made a deposit to a personal checking account. the deposit was a check drawn on a foreign bank account. The deposit was acknowledge by the bank teller. We got a copy of the check and a copy of the Domestic & Foreign Items Collection/Cash Letter Form.
On XX/XX/2019, a letter was issued and mailed. It was a letter acknowledging receipt of the mentioned collection and it being presented for payment.
On XX/XX/2019, a letter was issued notifying that the collection item was not going to be paid. The reason was THE LEGAL PERIOD FOR PRESENTATION WAS EXPIRED. On the letter is states that the item was enclosed, but it was not. Only a photocopy of the check was attached to the letter.
Since then, the branch has not been able to obtain the original check back. The bank in XXXX requires the original check to be returned. It has been 5 months now, and the bank has no answers for me. They can not locate the original check. The letter form received when the check was deposited states that the unprocessed item was to be returned via mail. No one is able to help get a phone number for the legal department or a XXXX Rep. Is there something that can be done and can you help me? If so I can email you all the supporting documentation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-05-14
IL
Managing an account
Checking or savings account: Checking account
Problem making or receiving payments
Complaint: Since BMO Harris rolled out its new online banking system recently, the bank is deducting funds from my account for checks sent through / by BillPay days before the biller receives and deposits/cashes the checks. The three most recent examples are below. The biller in this case is XXXX XXXX XXXX. In addition, BMO Harris no longer includes a hyperlink next to the debit entry ( online banking ) so that I may be able to review a scanned copy of the cleared check received by the biller. Finally, the FAQ webpage of BMO Harris, in the BillPay section states that funds will not be deducted from my account until the check is cashed. However, this is fraudulent. Most recent examples : Received By date set as XX/XX/2019, {$300.00} ; not received/cashed/posted until XX/XX/2019. Received by Date set as XX/XX/2019, {$300.00} ; not received/cashed/posted until XX/XX/2019. Received by Date set as XX/XX/2019, {$2300.00} ; not yet received/cashed/posted as of XX/XX/2019.
Since my initial complaint, the company quickly sent an email notice of a change in terms on XX/XX/2019 to the Digital Banking Agreement, in which it describes a " Corporate Check '' as a new ( and now third ) option the bank in its sole discretion may choose to use at any time ( separate from and distinct from the generally accepted practice of a paper check and an electronic transfer ). When the bank in its sole discretion chooses to use a " Corporate Check '' to pay a bill, under the new terms ( set to take effect on XX/XX/2019 ), the customer has no course of action if funds are not received by the biller ( received / cashed / posted ), until at least 90 days have passed. In the meantime, BMO Harris deducts the funds from your account on the " estimated received by '' date. It is only after 90 days have passed that they will begin the process of review in order to possibly credit back the funds to your account if the funds are not received by the biller, by that time. This unreasonable delay is unacceptable, to any degree, when funds are being withdrawn from an account and essentially seized with no available remedy to the owner of the funds, and with no manner of transparency to trace the funds, or verify when the check was mailed, received by the biller, or cashed - and with no manner to review a scanned copy of the cleared check afterwards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-10
IL
Managing an account
Checking or savings account: Checking account
Problem making or receiving payments
Complaint: Since BMO Harris rolled out its new online banking system recently, the bank is deducting funds from my account for checks sent through / by BillPay days before the biller receives and deposits/cashes the checks. The three most recent examples are below. The biller in this case is XXXX XXXX XXXX.
In addition, BMO Harris no longer includes a hyperlink next to the debit entry ( online banking ) so that I may be able to review a scanned copy of the cleared check received by the biller.
Finally, the FAQ webpage of BMO Harris, in the BillPay section states that funds will not be deducted from my account until the check is cashed. However, this is fraudulent.
Most recent examples : XX/XX/2019 {$300.00} ; not received/cashed/posted until XX/XX/2019.
XX/XX/2019 {$300.00} ; not received/cashed/posted until XX/XX/2019.
XX/XX/2019 {$2300.00} ; not yet received/cashed/posted as of XX/XX/2019.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation