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 7
2019-05-08
Phoenix, AZ
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: As of the date of my last complaint, XX/XX/2019, I received a call from XXXX, an escrow analyst at BMO Harris, and she advised me on XX/XX/XXXX that the corrections had been made, the payment corrected, and the escrow overage returned. She specifically stated that the check would go out that day ( XX/XX/XXXX ). I followed up with XXXX on XX/XX/XXXX to clarify the amount of the refund, and to confirm that the check had been sent out on Friday, XX/XX/XXXX. She provided the refund amount, confirmed that the check had been sent, and advised that my new payment would go into effect XX/XX/2019. I had not received anything as of XXXX so I reached back out to XXXX and left a message. I also left a message with their escrow team as well. When I did not get a response from either, I call their customer service team. I spoke with a rep named XXXX, and he advised that the check was just sent on XXXX. I mentioned how frustrating this whole process has been for me, and he laughed and stated, " At least this is done now. '' First of all that is an exceptionally poor response when someone tells you they are frustrated and been dealing with it for almost 2 months. Secondly, I have no faith in the info provided as this is now the second date provided for when my refund check was sent. Thirdly I have no faith that my payment will actually adjust.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-08
Phoenix, AZ
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: This is an addendum to my last complaint filed earlier today. I just checked my mortgage account with BMO Harris, and have seen that they have apparently double disbursed my escrow refund just yesterday. This brings up 2 concerns. FIrst I was assured on XXXX that the check was sent on XXXX. Second since they have disbursed the escrow 2 times, I do not want an escrow shortage on my account. I have attached a screenshot showing the history and double disbursement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-07
Fleming, GA
Vehicle was repossessed or sold the vehicle
Payday loan, title loan, or personal loan: Title loan
Complaint: On Thursday, XX/XX/2019 my vehicle, a XX/XX/XXXX XXXX XXXX was repossessed by BMO Harris Bank, N.A. for what I presume was for unpaid late charges of {$200.00}. Since Thursday, XX/XX/2019 I have tried on numerous occasions to contact BMO Harris Bank, N.A. in order to resolve the issue. However, I continued to be transferred to different telephone numbers and told to the persons I have spoken to, XXXX XXXX, XXXX XXXX, XXXX XXXX (? ), XXXX XXXX, and XXXX XXXX that they are " sending an e-mail '' to someone who will contact me.
As of today, Tuesday, XX/XX/2019 I have not been contacted by BMO Harris Bank, N.A. and remain without the use of my vehicle.
All payments have been made in accordance with the coupons in the bank 's payment book and mailed well in advance of their ten day window for receipt prior to a late fee attaching.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-07
Scottsdale, AZ
Managing an account
Checking or savings account: Checking account
Banking errors
Complaint: I opened a business account with BMO harris because I was starting a new business and they offered {$500.00} for new customers. I had to keep a balance of {$5000.00} in my account, have it for 9 months and make 10 debt transactions. All these things I did. While I had the account my debt card continually didn't work, and I couldn't access my online account. Multiple times I had to go into the branch, met with terrible customer service. At the end of the 9 months I contacted BMO harris customer service to see when the {$500.00} would be deposited. I was told " soon ''. I had to call multiple times with no answers. I was told someone would contact me, or go to the branch to talk to them. Again terrible customer service. I went into the branch where I opened the account. The branch manager looked into the account and said she would call me back. After a week I didn't hear anything so I called her. She said she would call them and call me back. After another week I had to contact her again. She finally said they found I didn't make the right amount of transactions. I showed her I did make the 10 transactions that were required. She said she printed, highlighted the 10 transactions, and sent it back to the BMO harris customer service to review again showing I made the 10 transactions. I checked in for four weeks straight with no update. I had to call her every time, even though she said she would call me. Finally after a few months I called the the BMO Harris customer service line who informed me my account was closed. I called the bank manager, furious. She informed me that two weeks ago the funds were suppose to be deposited but she forgot to call me. She then called me back after checking with customer service and said they were going to deposit the funds but closed my account due to being inactive.
My account was only inactive because they took months to get the funds together. All the while not giving me any information or communicating. Not only is BMO Harris have customer service but they made a promise of {$500.00} for opening an account and did not follow through.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-05-07
Las Vegas, NV
Opening an account
Checking or savings account: Checking account
Unable to open an account
Complaint: OnXX/XX/XXXXIappliedoverthephoneforacheckingandsavingsaccountatBMOHarrisBank.IclearlyinformedthebankerthatmyaddresswasnotmyphysicaladdressandwasabusinessaddresssinceIamstationedfarfromhomeandBMOHarriswouldnotacceptanFPO.IinformedthebankerthatmyIDandproofofaddressalsocontainedthatmailingaddress.Duringthiscall,Iwasofferedapre-approvedrevolvingcheckinglineofcredit.SheconsultedwithothersatBMOHarrisandsubsequentlytoldmetherewouldbenoproblems.Shelied.Therewereproblems.BMOHarrisrefusedtoopentheaccountsandsentnoadverseactionnoticeasrequiredbylaw.
AftertalkingwithBMOHarrisagain,theirmanagementtoldmethatIshouldapplyagainusingmyactualhomeaddressandtheypromisedtherewouldbenoproblems.Theyliedagain.
OnoraboutXX/XX/XXXXIattemptedtoagainopenanaccountusingmyresidenceaddressandthephonebankertoldmethatinhersystemIwasnotallowedtoapply.Shegavenoreasonwhy.ShereluctantlyconnectedmewithanunnamedsupervisorwhotoldmeIneededtogotoabranchtoapply.
ThefollowingdayItriedtoapplyonline.Ipassedtheverificationquestionsandmyaccountwasopened.Ireceivedwelcomeemailsandwasabletologinonlinetoviewmyaccounts.
OnoraboutXX/XX/XXXXIreceivedaletterfromBMOHarristhattheysenttomyoldmailingaddresswhichwasNOTusedforthisapplication.TheyaskedmetobringID,SocialSecuritycardandutilitybilltotheirbranch.
OnXX/XX/XXXXBMOHarrissentmeyetanotherletterstatingtheydeclinedmyapplicationandfailedtoprovideareason.TheyincludedaDeclinationNoticethatinnowaystateswhytheyrefusedtoopenanaccountthattheyhadalreadyopened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-05-06
Itasca, IL
Managing an account
Checking or savings account: Savings account
Deposits and withdrawals
Complaint: XX/XX/19 BMO Harris allowed my transfer of $ XXXX from XXXX XXXX XXXX opening an account.
Shortly thereafter, my account was frozen by BMO Harris ; their fraud department determined more information was needed to verify my address. This is partially understandable given I was in the process of changing my residency from XXXX to XXXX, but at time of transition most, if not all, of my personal information was under my XXXX address. In order to free up my account they required among other things, a bill that was associated with the address. I dont have any utilities in my name, thus preventing me from being able to unlock my account. It has now been almost two months since my account was frozen and I have made multiple calls to their fraud department ( that have gone unreturned ) and they have provided no alternative means of resolving this. Ive contemplated legal action, but I am mostly frustrated and just want my money back at this point.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-03
New Lenox, IL
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 explanation
2019-05-02
Wascott, WI
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 monetary relief
2019-05-01
Tampa, FL
Trouble during payment process
Mortgage: FHA mortgage
Complaint: I have been reaching out to my mortgage servicer BMO Harris Bank since XX/XX/XXXX asking what they have for for my XXXX and I am being ignored.
I have called them 3 times and was told by customer service I would be called back and I've heard nothing. I emailed them ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( see attached ), asking for this information and I've heard nothing back. My escrow payment increased again in XXXX and I called with questions and received a call back on both occasions, but no one has called or has been able to answer any questions in regards to this inquiry. I am being completely ignored.
Last year when I reached out to them they wanted me to pay for a full appraisal but I'm just inquiring as to what they have in their records. I should not have to pay out of my own pocket for information they are required to track, unless I disagree with their assessment.
My understanding is they are required to drop my PMI once I am at 80 % LTV. I bought my home in XXXX for {$200000.00}, refinanced in XXXX and have never had a late payment. My current loan amount is {$140000.00}. I believe I am well below 80 % LTV but without knowing what they have my LTV at, I can't confirm.
I do not believe they are tracking this information for me or for any of their customers and I believe the bank is taking advantage of someone who is in good standing to offset the customers that are not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-30
Greenfield, WI
Getting a loan or lease
Vehicle loan or lease: Loan
Changes in terms mid-deal or after closing
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-27
Saint Paul, MN
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Information is incorrect
Complaint: In XX/XX/2019, BMO Harris bank filed a W-2 with the IRS indicating that it had paid me {$300.00} in interest. It never paid me any interest. It did give me a gift of {$300.00} for opening checking account to 6 months and arranging to have direct deposit of my social security benefit. I closed the account after complying with the terms of the offer. I want the bank to rescind its W-2 immediately. The {$300.00} was a gift and gifts are non-taxable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-25
Phoenix, AZ
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: In XXXX of XXXX I purchased my home and BMO Harris over estimate my tax escrow amount by {$700.00}. I paid my the total amount due for my XX/XX/XXXX property taxes to the taxing authority in XX/XX/XXXX. They have since paid my XX/XX/XXXX installment and have yet to refund the escrow overage back to me. During the month of XXXX I've reached out to them by phone times and spoke to a rep, and I went into a branch and spoke with them face to face. In XXXX I spoke with another rep over the phone and ach time they took my information down and advised that some one would be in contact with me.Yesterday I called the branch that I went into in XXXX and ask for the branch manager. He wasn't available and a left him a voicemail to which he hasn't yet responded.As of today, I'm still waiting for the escrow refund and for my month payment adjust accordingly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-23
Sun City, AZ
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
2019-04-22
Wonder Lake, 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
2019-04-22
IL
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: In XXXX of XXXX, an error occurred and BMO Harris did not receive proof of my Homeowners insurance. Due to another error, BMO was sending notifications of this to the wrong address, and also calling a phone number which was not mine. BMO bought homeowners insurance on the open market at a very high rate and adjusted my escrow. This is when I noticed it on my mortgage statement online.
After correcting the address in their system and the phone number, they assured me that everything would be fine. They did an escrow assessment and sent me a check for {$1500.00} for an amount that the escrow was over. They assured me that the prior due amount would be adjusted on a future statement.
Since then, they have not been applying my mortgage payments ( which are automatically debited from my checking account ) correctly. It is complicated for me to understand, but because of how their system works, they will not book a partial payment, but only a full one. For some reason, this error has been accumulating and is now saying that my mortgage is a full month past due and they are demanding I make, essentially, double mortgage payments. I can show in my checking account that the correct amount has been debited every month on the correct date without failure. Their website does not allow me to easily see more than a few months back and they are saying that I need to show them where the error took place. It seems like they are trying to make ME audit their systems without full information, something they should be able to do. A phone representative ( XXXX in their customer service ) even said that it appeared everything should be current.
I talked to Their representative several times over the last few months about this ( Once around XX/XX/XXXX ) and was always assured that they would escalate it to their Escrow department, and that someone would call me within 48 hours. I have never received any calls from their Escrow department and the issue has not been resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-04-17
Chicago, IL
Managing an account
Checking or savings account: Other banking product or service
Banking errors
Complaint: This account was opened about 20 years ago. I have not received any statements. I made a deposit to my IRA account on XXXX for {$1000.00} this amount was never credited to my account. I have been trying to resolve this problem for over 2 and a half years. In addition the Internal Revenue Service ( IRS ) states that they have no record of this amount being deposited into my IRA account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-12
Rncho Domingz, CA
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Complaint: After receiving a debit card for my personal checking account at BMO Harris bank, I proceded to call the activation number that was provided. Upon calling the number, I was transfered to a, I agent who said that in order to activate my debit card, I was to fax or send a notorized copy of my driver 's license, front and back, include the notory address, phone number and license and include a contact phone number for myself. I told her that usually I activate my cards by just dialing the actvation number and entering my card number. She said that this was the only way I could activate my card. I asked for a supervisor and I was referred to a XXXX XXXX who told me that after submitting all this info I would be sent a text to my contact number where I would be given a code that I would confirm and then she would call me back with a decision at some time. I told her this was rediculous and that I would fax the information to her. After faxing a notorized copy of my driver 's license with the other info she requested I waited for her text. After two hours of faxing the info with no response, I recalled the activation center. They told me that she was not available. When I called a third time I was told she was busy. Finally, after a third time calling the said she went home. This was about XXXX XXXX pacific time. The next day I called again and was told they had not received the fax yet. I have a copy of the transmission and it said fax was successful. On Sunday, XX/XX/19 I called 3 times to activate my card and was abruptly disconnected by them after entering my card number. Because I needed to use funds in my account to pay my bills, I decided to drive from my home in XXXX XXXX county to XXXX, Arizona the neareast location to me. That drive took approximately 10 hours round trip {$100.00} of gas. I also missed a day of work.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-04-11
Elk Mound, WI
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
2019-04-11
Pr Du Chien, WI
Getting a line of credit
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
2019-04-09
Ashville, OH
Fraud or scam
Money transfer, virtual currency, or money service: Domestic (US) money transfer
Complaint: I requested my HSA funds from XXXX XXXX be transferred by check to my new XXXX HSA account. However, XXXX sent the check to the wrong bank, BMO Harris. BMO Harris cashed a check that was not written to them as it was written to XXXX XXXX FBO XXXX XXXX. A copy of the check provided to me by XXXX will be attached showing endorsement by BMO Harris. I have tried for over month calling all three banks with no resolution as it is difficult to communicate with XXXX and XXXX is refusing to do what the other two banks recommended ( fill out the fraud form ). Essentially, BMO Harris has my XXXX account funds which they won't release back to XXXX until fraud forms are filed by XXXX and filled out by XXXX. XXXX is refusing to file the fraud form. They are telling me I can't fill the forms out since the check was technically written to XXXX and not me directly even though my name is also on the check as the FBO. Thus, I'm left without access to XXXX of my money that XXXX sent to the wrong bank that fraudulently cashed said funds. No bank seems to be communicating with each other and nothing is getting done to return my funds by anyone at this time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-06
Valparaiso, IN
Opening an account
Checking or savings account: Checking account
Unable to open an account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-04
Berwyn, IL
Managing an account
Checking or savings account: Checking account
Problem accessing account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-02
Itasca, IL
Closing an account
Checking or savings account: Checking account
Company closed your account
Complaint: In XXXX, XXXX, BMO Harris closed my checking account with no communication that it would do so. In many unsuccessful attempts, I have tried to get information as to what had happened during this closing of my checking account.
On XX/XX/XXXX, I had a phone call with a XXXX XXXX of BMO Harris which she confirmed in a XX/XX/XXXX letter. The letter has no return address or email address. Only a phone number for leaving voice mails. In the XXXX XXXX phone call, I had asked XXXX XXXX what had happened to the missing BMO Harris check which I was advised was mailed to me in early XX/XX/XXXX upon closure of my checking account. XXXX XXXX in the XX/XX/XXXX phone call said she would get back to me with the status or what had happened to that missing check.
Today is XX/XX/XXXX and I have not been advised by anyone at BMO Harris as to what had happened to that missing check.
Previous attempts to reach XXXX XXXX at BMO Harris via phone were not successful. In a previous voice mail left, I gave my email address and no emails have been received. In my opinion, BMO Harris communicates with the public only via responding to CFPB complaints.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-30
Chicago, IL
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Why does BMO Harris bank only use the gross amount when determining if you're eligible for a specific loss mitigation plan during a hardship? They seem to also ONLY look at direct housing cost and what appears on your credit report. There are expenses that will not appear on a credit report, I.e. paying for someone to take care of your spouse who had a XXXX, grocery bills for a family of 6, child care payments, life insurance payments, car insurance payments, etc. It is unfair and unreasonable that BMO Harris has a process as such.
This process should be changed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-29
Oakbrook Ter, IL
Managing an account
Checking or savings account: Checking account
Problem making or receiving payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation