| 10/05/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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Attempts to Close My Account/Stop Recurring Transfers 1. Called Bank of the West ( " BOW '' ) on XX/XX/XXXX to pay off my overdraft protection account ( a/k/a XXXX ) and close both that account and my checking account. I was trying to get it done before BMO took over in early XXXX ). [ 19 minute call ] a. There was a recurring transfer in progress, however, so they couldnt do that.
b. Tried to find out payoff amount on a particular date, but she couldnt do that, either.
c. Tried to find out how to stop recurring transfers, but she couldnt tell me how to do that, either. Wanted to transfer me. I said no.
2. Went to XXXX XXXX on XX/XX/XXXX ; went in person to the XXXX branch, now BMO, which is two hours from my home. Spoke to the following two individuals : a. XXXX XXXX XXXX XXXX i. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ii. XXXX, Iowa XXXX iii. Tel : XXXX XXXX iv. XXXX b. XXXX XXXX i. XXXX XXXX XXXX ii. Same address/phone iii. XXXX iv. NMLS : XXXX c. XXXX assured me that it was closed : i. BMO disbursed {$2.00} from checking account balance to me ( cash ).
ii. Told me there were no pending recurring transfers, and that I would have to call corporate about that.
d. At XXXX on XX/XX/XXXX, I received an email telling me that in three business days we will execute your External Transfer request. It closed by saying, Thank you for using BMO External Transfers. Best regards, Your friends at BMO.
e. XX/XX/XXXX Called corporate ( XXXX. Spoke with XXXX. [ 22 minutes ] i. XXXX XXXX ( the Credit Union from which the transfer was coming ) had to take care of the recurring transfer issue.
ii. Said the account was not closed ( contrary to what XXXX XXXX had told me, and that it couldnt be closed until the recurring transfer was canceled.
f. XX/XX/XXXX Called XXXX ( XXXX ).
i. She confirmed that it was not up to XXXX to close that ; it was a pull transaction ( from BMO ), not a push transaction ( to BMO ).
ii. XXXX put a stop payment for all future attempts ; she agreed to not charge me for this, since it was BMOs fault, not mine.
g. XX/XX/XXXX Called BMO Corporate again. Spoke to XXXX. [ 24 minutes ] i. XXXX allegedly closed the account, telling me that it would be closed in 24 hours ( XXXX XXXX Central Time ).
ii. When I asked about the recurring transfer, he acted as though I had said nothing about that. He noted that it would be a problem if they transferred the money on XXXXit would reopen the account.
1. This, of course, would create a never-ending problem ; until BMO canceled the recurring transfer, it would continue to pull it from XXXX ; it would deposit into the checking account, and reopen the account. I would then have to close it again, and BMO would have to mail me a check.
2. However, that was not going to happen, because XXXX put the stop payment on the transfer.
iii. XXXX then threw the branch colleagues under the proverbial bus by saying they hadnt done their job properly.
iv. However, he also said he could not see any pending transactions ( despite the email I had received the evening before ).
v. His only solution was to just wait until Friday to see what happened.
h. On Friday, XX/XX/XXXX, I received another email telling me that BMO had received my external transfer request, and that I should expect to see the funds in the destination account within 3 business days The destination account was the BMO Checking account I had been told was closed on XX/XX/XXXX.
i. XX/XX/XXXX - I called BMO Corporate AGAIN and spoke to XXXX. [ 31 minutes ] i. She told me the account was not closed, but that she would close it. She stated that the previous associate ( XXXX XXXX had not closed it properly. She told me she had closed it ( Confirmation # XXXX ), and that it would close in 24 business hours ( which, because it was after XXXX XXXX on Friday would not be until Monday ).
ii. She also was able to walk me through canceling the recurring transfers. On the BMO site, both the XX/XX/XXXX transfer and the upcoming XX/XX/XXXX transfer were showing. I canceled both, and all future transfers. No idea why BMO associates could not see these pending transfers in their system.
iii. XX/XX/XXXX, I received a confirmation email of that cancelation at XXXX.
j. On Monday, XX/XX/XXXX, I received an email that my statement was available online.
i. The account was not closed on Monday as promised.
ii. And now, the statement showed a balance of {$3.00} on the ( f/k/a ) XXXX account. This interest was added on XXXX XXXXpast the XX/XX/XXXX date when I had closed the account, and past the XX/XX/XXXX date when the XXXX account was paid in full.
iii. The checking account showed a {$0.00} balance.
k. On XX/XX/XXXX, after receiving that email, I called and spoke to XXXX. [ 28 minutes ] i. He confirmed the account was still open, and that there was a hold on it for some reason.
ii. I suggested that perhaps the hold was due to the fact that there was now an interest payment due ( on a XXXX balance ). Yes, I was sarcastic.
iii. I asked him to escalate the call to a manager. He told one would not be available for 10 minutes. I said I would hold. I asked if there was a direct line in case we were disconnected. He said no. I asked if he would take my phone number so they could call me if we were disconnected. He said they didnt do that.
iv. And then, five minutes later, he disconnected me. Unintentionally, Im sure. Yes, more sarcasm on my part.
l. I immediately called back and spoke to XXXX ( sp? ).
i. She stated she would transfer me to a manager.
ii. She took my phone number in case we were disconnected ( apparently they can do that ) iii. She apologized, and actually sounded sincere ; the problem is, they all apologize ; what I want is to have the problem resolved.
m. Finally transferred to Manager XXXX.
i. Explained the whole thing to herfor the millionth time.
ii. She said she would see if she could waive that interest payment so we could close the account.
1. Reiterated that there would not have been an interest payment if they had closed the account when I asked them to.
2. She responded that this was a hard one to waive, but she would see, because of all the bank errors.
3. Back on hold. This last phone call was [ 58 minutes ] ; most of it was spent on hold.
iii. She is unwilling to waive the {$3.00}, because technically, that accrued before I paid it off on the XXXX.
1. However, no one told me there would be an additional interest payment ; not at the time I closed it at the branch or in any of the subsequent phone calls.
2. She asked me to deposit the amount to the checking account, and then I could transfer that. But I CANT DO THAT, because : a. There is no branch here for me to deposit it, and ; b. Even if I could deposit that money, I no longer have access to the XXXX account, so would not be able to transfer it.
iv. She ultimately did waive the {$3.00}, because of all the efforts I had made to try to get things resolved.
v. She promised she would close the account and would call me on Thursday to confirm that.
vi. I did not receive a call back from her, and it appears my account was still open on Thursday.
3. Called on XX/XX/XXXX and spoke to XXXX ( sp??? ) a. I told her that XXXX had promised to close my account and call me on Thursday, but she did not call, and the account still appears to be open. I asked to be connected to XXXX, and was put on hold.
b. XXXX??? got back on the phone, told me that XXXX XXXX was still working to get my account closed, and would call me by the end of the day.
c. I remarked that she had promised to do those things by yesterday, but hadnt, so I didnt hold out much hope that she would keep her word today ( paraphrase ).
d. The phone call was [ 14 minutes ] ; probably 10-12 of that was on hold.
e. XXXX did not call me by the end of the day.
f. My account remained open.
4. Called XX/XX/XXXX XXXX XXXX XXXX [ 27 minutes ] a. Asked to speak to XXXX b. At XXXX, XXXX got back on and said they were still waiting to hear from XXXX XXXX. He made some noise about trying to figure out what the problem was, but i. Everything up to that point should be in the notes ; I shouldnt have to go through the whole thing all over again, and ii. I dont know why he thinks he can close it when the manager seems to be unable to do so.
iii. He asked if there were any more recurring transfers pending. I told him no, those were canceled, I received confirmation of that cancelation, AND I had XXXX put a stop payment for all future transactions on my account.
iv. He put me back on hold ( XXXX ) and said he would try to close it.
v. Back on XXXX XXXX said, Rest assured it will be closed within 24 hours.
vi. Call ended XXXX c. Called XXXX Spoke to XXXX [ 58 minutes ] d. Put on hold at XXXX XXXX. Back on hold at XXXX XXXX e. Transferred to Supervisor XXXX f. {$3.00} is still showing up on the Overdraft Protection Line, which is what is preventing the checking account from closing.
g. Back on hold at XXXX.
h. XXXX is trying to waive that {$3.00} ( while Im on the phone ).
i. She stated that XXXX did get it approved, but the department that actually does the waiver had not yet done it.
ii. XXXX stated she had marked it high importance, and that she would call me when it was resolved. She gave me a number she would be calling from [ XXXX ] and stated she would call by end of day tomorrow, if not today.
iii. I also expressed my concern that if it stayed open much longer, I was going to get hit with another service fee on my checking account and/or interest on the XXXX. XXXX stated she would monitor that, and if anything further accrued on the account, would waive those fees.
iv. I explained to her my belief that it shouldnt be this hard to get an account with a XXXX balance closed. I told her I had not yelled at anyone, had not sworn at anyone, or called anyone names. I just wanted my accounts closed. She thanked me for my patience and my feedback.
i. Hung up at XXXX.
5. XXXX did not call back on either Thursday or Friday, and it appears the account is still open.
6. I called XXXX on XX/XX/XXXX and left a message asking for a call-back. Did not receive it.
7. Called XXXX on XX/XX/XXXX and left a message asking for a call-back. Expressed that I hated being left in the dark on this, and asked her to please do me the courtesy of a return phone call. XXXX did not return my call.
8. XX/XX/XXXX The account is still open.
9. I filed my complaint with the Federal Reserve using their online form, and indicated I would be submitted additional documentation by mail.
Received an email from the Federal Reserve telling me to come to the CFPB.
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| 11/30/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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Bank of the west took {$12000.00} from me for a secured credit card in XX/XX/2023. They also gave me a personal checking and a business checking and two savings accounts this bank merged with bank of Montreal in the beginning of XX/XX/2023 between the time of my opening the accounts and the merger my cards were stolen. My bank accounts were compromised and a lot of my money was taken. Ive provided timely complaints/claims disputes on those items and bank of the west did not process the claims correctly asked me to wait for provisional credits and while I waited, trusting that they had processed everything correctly, according to policies and procedures that they explained to me while I waited trusting them my bank accounts continually got compromised and by the time the claims were processed they were processed incorrectly and did not include everything that I had claimed this was escalated to a manager. I have proof by emails and phone calls, recorded, conversations, etc. the manager never contacted me back. The claims were miss handled. My accounts were miss handled during the merger. I had lost use of my accounts because of these issues that the bank was having there was nobody in charge. Theres nobody helping me I filed new claims which they took reluctantly, and tried to tell me that I was too late, even though the claims were already filed, I went into a bank because the credit card claims and debit card claims had me XXXX down financially and because the only claims that the bank of Montreal decided they had personnel competent to process were the credit card claims and I needed to get my credit card closed and take my money out because this was {$12000.00} they were holding of my money and then suddenly there were new policies and whether they were new or whether they were old the fact that they tried to charge me cash advance fees, and {$160.00} interest on cash advances where they were holding my {$12000.00} and only gave me {$.00} interest on that money then charged me $ XXXX on the same money thats mine, the personnel didnt know how to close the account forced me to have to keep my money in the bank and then charge me all these fees and now theyve said they process my claims and sent me all my money back which I still dont have, and that they think that theyre valid and keeping charges against me for cash advances and get an interest on cash advances is a crime. The bank has held my money XXXX and has punished me for having fraud claims and now have closed all my accounts and forced me for the checks that I do have to have to cash them at a check cashing company and pay {$2500.00} fees for cashing them because the bank said they dont have enough money to cash their own checks. My two savings accounts are missing. I have no idea what theyve done with them. They just have been missing on my app. I have no clue where they are. I dont know anything about them theyre just gone they have unprofessionally handled every account. They have double charged me on cash advance fees and interest on cash advances when they told me they were going to be credited to my account and now they sent me a letter that they sent me a {$9000.00} check which I dont have but theyre going to keep those fees which is unacceptable and proves to the consumer, financial protection bureau and the FDIC, that this financial institution and this merger between financial institutions is mishandling peoples money. This is serious. I want the government to investigate their books because they have double charged me fees after they were supposed to give me credit and I have complained several times to this financial institution that this has happened and no one has paid attention but instead they have decided to choose whatever numbers they chose to pay me back whatever members they chose to credit me and now theyre saying that they have a right to keep these in interest that they charge me and they dont they do not I dont even trust the amount of money that they have returned to me are correct until I have them audited myself, and because I have been forced into this position at this point is because of the banks mistakes, and because the bank is ignoring the fact that they even just double charged me when the person told me, she was crediting the account and they arent even paying attention to what I said instead of saying, they have rights to these fees proves clearly that they have no idea what theyre doing and you cant trust them with your money I can not trust this bank with my money whatsoever. Its a big game its like a joke its so incompetent. I cant believe it. On top of that Im being discriminated against there was no discussion about anything with my savings account. Theres no discussion about them closing my business account and there was no discussion that they werent going to issue new account numbers they just decided to have the branch issue me two cashiers checks for whatever numbers they decided they were going to give me and that the bank was not gon na cash them for me and force me to pay {$2500.00} in fees at a check cashing place. When the person in the front investigation unit told me that they were going to issue checks to me she didnt even offer the {$12000.00} that they were holding in my security count. She told me that there was a {$9000.00} approximate credit on my credit card account and that shes going to close the account and send me the {$9000.00} and then I had to ask her what about the {$12000.00} youre holding You have to give me that too and then she put me on hold and came back and told me that I could get that from the bank so she didnt even realize that that was part of it. Theres no possible way that this financial institution is taking care of peoples money correctly. I would be not surprised at all if somebody in the bank is stealing money, or that a lot of people like myself, start popping up with this financial institution Theres no reason for them to keep any more of my money. They double charged me when they said they were crediting me on fees and interest on cash advances. They forced me to have to take those cash advances then they double charged me when they said they were crediting me, and I want it all paid back to me every dime! Theres no way anyone has audited that or done anything about it they just want me to, except what theyve done they charge me XXXX for withdrawal fees. They charge me interest on my money for cash advances and refused to close the account because they said they didnt know how to but now theyve done it now that theyve been placed under review with a CFPB I think that you need to pay attention to the fact that theres no accountability to anything that this financial institution is doing theres no consistent policies theres nobody managing someone else every person doesnt know how to escalate anything I have gone through XXXX months of XXXX while the bank held my money XXXX, refused to give it back to me, and then charge me fees and enormous interest on my having to use my own money and because they didnt know how to process claims and then finally only knowing how to process Credit Card claims and not debit card claims which forced me to have to close my credit card account but they couldnt do it but then forced me to have to use whatever cash I could get out of it because they wouldnt process my other claims. This is their fault, and I want all of my money every XXXX back and I want damages, I feel like you need to have their legal department review what theyve done to my life and now forcing me to let them double charge me and give them money for fees because they made mistakes and abandoned the rules and laws and policies and procedures that are in place for a financial institution to exist and ignore the fact that I told them over and over that they just double charged me for something that their personnel said they were going to credit me and then from them to make me except the fact that they want to keep all the rest of the fees and interest and everything else that they charge me, and then force me to have to go to a check cashing company because they tell me that the branch doesnt have enough money to cash the cashiers checks that they just handed me I want all that money back. I want somebody to be accountable in this financial institution for what theyve done to me and stop trying to punish me because on top of all of that now they discriminate against me didnt talk to me at all took away my savings account and closed all my accounts and told me this is what were gon na give you, and theres no accountability for them and I want every XXXX back every single XXXX. It is easy to see how Ive been treated and punished by this bank for the banks mistakes because the bank didnt know how to take a claim correctly and because the bank wants to cause people who are victims of fraud more pain intentionally instead of helping the customer because the bank is supposed to be a trusted financial institution where people can keep their money and trust that the bank has their best interest in mind, but this bank does not care about anyone, but their own money and what they get from people they dont care how they treat people they dont care about training people, they dont care about policies and procedures, and I dont feel like this financial institution is professional whatsoever. I want all of my money back every fee every charge every interest you charge me everything that you took from me everything and for the damages you put on my life. To be accountable, but I want my money back the bank hasnt even take a notice to the fact that I keep saying when the woman said she was going to give me back {$160.00} cash advance interest and a cash advance fee because that was her limit that day she charged my account instead of crediting it thats double charging and youre not even paying attention to that point there whatsoever instead you sent me a letter that you sent me some {$9000.00} check on XX/XX/XXXX, which I dont have and that youre keeping all these fees including the double charging me fees thats unacceptable and I want my money NOW
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| 04/08/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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Disputed XXXX Payment XX/XX/XXXX I requested to send {$150.00} to receiver through my BMO Harris mobile app that didn't go through but was place on hold.
I received an email immediately after from BMO Harris and within the email, attached, I was advised to call immediately to verify my identity so that my funds could be released. After waiting on hold for 30 minutes a representative came on the line & advised that the department that is able to release the hold on my XXXX payment wasn't in. I advised the rep that I wanted a supervisor/manager to call me about the email I received advising me to call immediately only to find out the department was not in. No one called.
XX/XX/XXXX I was at work and late morning I received an email, attached, advising that my funds had been released to receiver. I never spoke to the department that was suppose to verify my identity and within the email I had received from BMO Harris on XX/XX/XXXX, attached, it stated that my payment would not be released and would be cancelled if I didn't speak to the department that was not in on XX/XX/XXXX.
I called BMO Harris and was told that nothing could be done. I asked for a supervisor/manager to call me & advised the rep at BMO that I was at work till XXXX XXXX that day but on XX/XX/XXXX I was off and could accept a call at any time. At XXXX XXXX I received a call, but couldn't answer as I was at work, and the rep from BMO Harris XXXX left a message stating that she would call me in the morning on XX/XX/XXXX.
XX/XX/XXXX Around XXXX XXXX I still had not received a call from BMO Harris rep XXXX and called BMO Harris. I spoke with a rep named XXXX who advised that he was messaging XXXX and she would give me a call but she never did.
XX/XX/XXXX I called BMO Harris around XXXX XXXX and spoke to a supervisor/manager XXXX who told me that once a XXXX payment had been initiated it could not be cancelled. XXXX was the first rep that ever mentioned this. I asked XXXX then if it could not be cancelled how could I get an email saying if I didn't call to verify my identity that my payment would be cancelled? XXXX said she'd look into everything and call me back on Friday XX/XX/XXXX. I explained to XXXX that I worked XXXX and would not be able to answer the phone during those hours so I needed her to call me before XXXX XXXX.
XX/XX/XXXX XXXX from BMO Harris never called before XXXX XXXX. Instead she called around XXXX XXXX and was shocked that I answered the phone.
XXXX advised that there wasn't anything that could be done. I told XXXX I wanted someone above her to call me on XX/XX/XXXX as this was my day off and could take the call any time that day.
XX/XX/XXXX I received a call around XXXX XXXX from a rep XXXX who said that he was advised to call me before XXXX. I asked XXXX how he got that information because I had said that I could accept a call any time that day. There is no communication within BMO Harris ; not with there customers and not within their organization. XXXX told me that the first rep that I spoke with on XX/XX/XXXX could not give me all the information about my account because it had to do with the XXXX portion of my account and that department was not in that day. I asked XXXX how it could possibly be that a representative from BMO Harris is not able to give their customers all the necessary information pertaining to their account ; their money, in order for BMO Harris 's customers to be able to make sound decisions about their money that they work for? So basically BMO Harris doesn't think it's necessery to give their customers all the pertinant information about their account so that they can make sound decisions about their finances. I told XXXX I wanted someone above him to call me about this because this does not seem right.
XXXX told me that someone would give me a call by week 's end, XX/XX/XXXX XX/XX/XXXX I hadn't heard from anyone from BMO Harris and decided to go into the XXXX, IL location. I worked with a banker, XXXX, who said she was going to file an internal complaint about what was happening with the lack of communication about my situation and played the message I had save from XXXX from XX/XX/XXXX stating she'd call me the morning of XX/XX/XXXX.
XX/XX/XXXX No one from BMO Harris had called so I reached back out to XXXX by phone and she said no one had responded to her about the internal complaint but she would follow-up.
XX/XX/XXXX No one from BMO Harris has called. I called XXXX at the XXXX, IL BMO Harris location and she told me there was no response. What is going on? No one from BMO Harris cares that their customer is out {$150.00} of their hard earned money. XXXX asked if I would like to have her manager, XXXX, give me a call. I said yes and setup a time for XXXX to call me on XX/XX/XXXX at XXXX XXXX.
XX/XX/XXXX XXXX from BMO Harris calls at XXXX to hear my horror story. XXXX advises that she's going to look into everything and will get back to me the following week XX/XX/XXXX XXXX calls and leaves a message advising that she knows I'm at work and can not answer but she just wanted to follow-up and would not be in on my day off, XX/XX/XXXX but would reach out to me on XX/XX/XXXX The reason I'm filing my claim is because I have no faith in XXXX resolving my situation and getting me my hard earned {$150.00} that was not suppose to be sent. The lack of communication that BMO Harris has with their customers and within their organization is astounding. BMO Harris doesn't care what they tell their customers and that they don't think it's important to give their customers all the important information about their account in order for their customers to make sound decisions about their hard earned money.
Disputed unauthorized charges made on my BMO Harris Debit Card XX/XX/XXXX I looked at my BMO Harris mobile app and noticed there was a pending charge from XXXX XXXX. I had never heard of this place, let alone done any business with them. Knowing that BMO Harris Bank can not do anything with pending charges I called XXXX XXXX to find out why there was a pending charge on my debit card. XXXX XXXX had all my information but the email they had on file did not match the only email that I have used since the XXXX 's XXXX. XXXX XXXX reversed the charge and credited me back the money. Because of this pending charge on my account and it had just been the XXXX season I took a look back through my banking transactions and noticed that there were several charges that were not made by me and being that I don't give my debit card out to anyone I called BMO Harris to dispute the transactions that I did not make, which I have attached the denial letters from BMO Harris.
XX/XX/XXXX I received emails containing PDFs, attached, denying my claims.
XX/XX/XXXX I called into BMO Harris to dispute my denial letters pertaining to my disputed charges. Spoke with a rep who advised me to send an email & advised me of what to write within the email, attached, while I was on the phone with the rep.
XX/XX/XXXX I had not heard anything from BMO Harris pertaining to my disputed charges. I went into the BMO Harris branch in XXXX, IL & worked with a banker named XXXX. I wrote a statement disputing my charges again because it didn't appear to XXXX that my email I sent on XX/XX/XXXX had been received. XXXX faxed my denial letter.
XX/XX/XXXX I called the BMO Harris XXXX, IL branch and spoke with XXXX inquiring about when I was going to hear about my disputing the denial letter that I faxed on XX/XX/XXXX. XXXX advised that my claim was again denied but that BMO Harris does NOT have to reach out to the customer. So basically the customer has no idea what is going on with their claim. BMO Harris 's customers are just suppose to sit in limbo wondering what is going on with their claim. How could this be? A BMO Harris customer reaches out for help and BMO Harris doesn't bother to respond on the status. And not only that they flat out tell you that they are not going to let their customers know what is going on and that is somehow just suppose to be ok.
XX/XX/XXXX I called BMO Harris in XXXX, IL to find out what else I can do in order to get my disputed charges claim reviewed again. I have proof that on the dates of the disputed charges that I was at work, and as we all know no one can be in two places at once. XXXX asks if I would like to speak with her manager, XXXX, and a call is scheduled with XXXX for XX/XX/XXXX at XXXX XXXX XX/XX/XXXX XXXX from BMO Harris calls at XXXX to hear my horror story. XXXX advises that she's going to look into everything and will get back to me the following week XX/XX/XXXX XXXX calls and leaves a message advising that she knows I'm at work and can not answer but she just wanted to follow-up and would not be in on my day off, XX/XX/XXXX but would reach out to me on XX/XX/XXXX The reason I'm filing my claim is because I have no faith in XXXX resolving my situation and getting me my hard earned {$160.00} & {$16.00} that was charged to my debit card by someone else and not me. {$53.00} of my disputed charges was for an online retailer XXXX XXXX & I was given a provisional credit that was then reversed. The lack of communication that BMO Harris has with their customers and within their organization is astounding.
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| 01/30/2024 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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I opened a two checking accounts with BMO on XXXX XXXX XXXX They were offering a promotion to receive a bonus if you transferred a certain amount into your account. The amount then has to sit in your account for 4 months in order to receive the bonus. I stayed on the phone for almost 3 hours while XXXX verified my information. He then told me that he would have to give the back office my information to verify me. Then he told me that the they would send me paperwork the next day for me to sign. Instead, he called me on the next day on XXXX XXXX XXXX and requested that I give my banking information to transfer my funds from my current bank ... Although, I was not a customer at the time yet. He also asked for my debt card number and security code. This was not needed because I already gave him my account information. I have never had a bank make me give them my account information from my old bank before I had even become a customer with them. Then after I signed the paperwork I tried to set up my online banking on XX/XX/XXXX so that I could transfer more funds into my account. The online banking sent me a verification code but would not allow me to finish. Then on XXXX XXXX XXXX I called over the phone to finish online banking. However, when I tried to sign in the made it so that I could not use the option to verify myself via email ... Only by phone or text. I could sign in if I changed my password only. The next day a rep told me she was going to call me back. She never did so I called. They already had some of my money transferred to my accounts with BMO. No, I was on the phone all day with them trying to access my accounts. By the end of the day they had a person accusing me of not being who I said I am. She sent me verification form to be notarized to prove who I was ... Although I had verified myself on XXXX XXXX XXXX. Now, they had my money and were saying that they did not believe me. They were being XXXX, and XXXX about while they had my money! I went the next day on XX/XX/XXXX and I had the form notarized by XXXX XXXX XXXX XXXX. I then called back on XX/XX/XXXX and I spoke with a rep. He was mean and rude too. When I asked to speak with someone else, he refused. When I said I was going to file a new CFPB complaint he yelled at me and said, " Go ahead. '' Then I pressed the issue for access to my account because I had proven again I am the person I said I was signing up. Then I got access to my account. After I now gained access to my account... I heard a strange sound on the phone. I asked the male rep ... '' What is that sound. '' His reply was, " Does it sound like something rubbing against the phone? '' XXXX!!! Then they sound stopped immediately. I finished me call and I got off the phone. I received a reply back from BMO via mail only after my XX/XX/XXXX complaints. I requested that they call me and to this day they have not called me. I then called them back in XX/XX/XXXX. Again, the rep on the phone said he verified me via my voice but then gave me hard time when I asked to be connected to someone in the XXXX or XXXX. I filed another complaint because no one had called me. In that complaint I mentioned that the rep I talked to in XX/XX/XXXX had a strange sound in the background. It sounded very inappropriate. Right after that I noticed a week ago that no BMO had taken {$3.00} from my accounts. I called and spoke with XXXX last week. I told him when I called in XX/XX/XXXX I asked if I was going to charged any fee 's? I was told " No, not for the first 60 days, '' Then I asked XXXX about closing my accounts. I told him I would need a legal document saying that my accounts were closed. In the conversation he told me that he could see that BMO had Never returned any of my calls. That they had just sent me letters. He reimbursed me my {$3.00}. However, over a month later I just received a letter mentioning nothing about closing my accounts. However, they sent me my money back via checks. I felt like they were still trying to see who I was because on XX/XX/XXXX it said I had to sign for the package. Then they changed it and the package arrived XX/XX/XXXX. I called them and asked if they closed my accounts without my permission? I asked to speak to someone in the XXXX and not their 3rd party. They refused to speak to me XX/XX/XXXX. However, the rep told me that my accounts were closed. However, I was able to sign into my accounts today XXXX XXXX XXXX This was part of my complaints. That these banks offer a bonuses for you to open accounts then they try to find ways to make you angry and go away. Then keep your accounts open for their investors. They are saying they closed my accounts for no valid reason. Now, they still have my accounts open. They are refusing to send me legal papers showing that my account is closed. Now, after all they have taken me through I can't get my bonus which I signed legal papers. I had up until XXXX XXXX XXXX to add more funds. XXXX I spoke to today was very mean. I told her that I had to add more funds and keep those funds in my account for 4 months before I could receive my bonus. I have the legal documents that show this. I had until XXXX XXXX XXXX to add more funds. Instead, they closed my account... Then they are refusing to put this in writing. That is because they know it is a breach of contract after I signed the paperwork on XX/XX/XXXX where I signed up for the bonus with a marketing code. XXXX told me last week that I don't have to put in writing I am closing my accounts. I told him that is not true ... I told him I will need to have BMO send me paperwork showing my accounts are closed. I did not give them access to close my accounts. I have had access to my accounts since XX/XX/XXXX since I proved to BMO I am who I say I am with getting the paperwork notarized. I feel like BMO is in breach of Contract for the bonus after I complained to CFPB and XXXX about the inappropriate sounds on the call back in XX/XX/XXXX. I just complained to you all about this XXXX weeks ago. This was a awful experience dealing with them and now I do not even get my bonus. They treated me like I was a criminal over and over again! I signed a contract to get my bonus if I transferred more funds to before XX/XX/XXXX. When I said this is what I accused BMO of ... Opening accounts for share holders to see ... XXXXThen trying not to keep up their legal part of the contract to give new customers their bonuses. That is a scam! I do not live near a branch and they know it so they try to use it to their advantage to get you to go away. Meanwhile they tell their share holders that they have new accounts. IT IS DAFAMATION OF CHARACTER WHEN A BANK DOES NOT BELIEVE YOU ARE WHOM YOU SAY YOU ARE ... WHEN ARE PROVING THEM WRONG OVER AND OVER AGAIN! BUT NOT ONLY THAT THEY TOOK MY MONEY BACK ON XX/XX/XXXX AND JUST NOW RETURNTED ON XX/XX/XXXX WHEN I COMPLAINED AGAIN ABOUT WHAT I HEARD THEIR REP DOING ON THE PHONE! I HAVE HAD ACCESS TO MY ACCOUNT SINCE XX/XX/XXXX. LIKE i SAID THEN THEY TOOK {$300.00} DOLLARS FROM BOTH OF MY ACCOUNTS AND SAID I DID NOT SIGNUP FOR PAPERLESS. I DID SIGNUP FOR PAPERLESS ON XX/XX/XXXX WHEN i WAS ABLE TO ACCESS MY ACCOUNT ON THAT DAY. THAT IS A TOTAL OF {$6.00} THEY TOOK OUT OF MY ACCOUNT IN XX/XX/XXXX. WHEN i COULD NOT EVEN ACCESS MY ACCOUNT FROM XX/XX/XXXXXXXX XXXX XXXX THEY THEN WERE LOOKING IN MY ACCOUNT AND TELLING ME I ACCESSED MY ACCOUNT OVER XXXX TIMES. THAT IS ANOTHER LIE! I WAS ABLE TO ACCESS MY ACCOUNT ONLY A FEWS TIMES ON XX/XX/XXXX BEFORE LOCKED ME OUT COMPLETELY OUT OF MY ACCOUNT ON XXXX XXXX XXXX XXXX XXXX
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| 12/17/2023 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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The bank lost {$1200.00} between the desk and the deposit upon opening a checking account.
My name is _______, I was at the bank at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX from XXXX until XXXX PM the afternoon of XX/XX/2023 to open a personal checking by scheduled appointment at the desk of XXXX XXXX XXXX.
I came in with the cash amount of {$18000.00} totaled from amounts in XXXX envelopes. The cash in each envelope had previously been verified/counted as the correct amounts written on them. XXXX XXXX asked for two forms of ID and entered information for the new account at his desk for quite some time while I sat with my envelopes.
XXXX XXXX eventually came and went with papers for me to sign and after that stood up and indicated he was ready to take the envelopes/cash/money to deposit and apparently count it out elsewhere. This made me very uncomfortable and I am sure I showed this disappointment in my next two actions. Feeling pressure while he stood waiting I decided I should at least write down the amounts of each envelope before parting from them. This I did quickly on the other side of a notecard which had the original info of my deposit amount of {$18000.00}. This was still unsettling so I also quickly told him I wanted the empty envelopes returned please! I suppose it would be at least something.
XXXX XXXX left and sent the manager XXXX XXXX XXXX to sit with me at the desk and speak with me about debt and money management which she did. When I indicated to her instead that I was concerned about the money being counted and where was it, XXXX XXXX said it has to be counted and continued to inundate me with her banking knowledge which was not helpful.
XXXX XXXX finally returned, after what seemed a very long time, handing me a deposit slip showing an unexpected amount of {$17000.00} while saying the amount was a little less and then quickly rattling off the numbers of bills he said he counted. I turned the deposit slip over and asked him to repeat that as I jotted down what he said because it seemed he wanted me to know this as he had all of that it in his head all the way over here.
I checked my notes, the difference was a shocking {$1200.00} less. I showed immediate confusion at the difference, and frowning said to him that it was pretty much impossible. XXXX XXXX shrugged and said " mistakes happen ''.
Next I noticed he did not have the empty envelopes as I had requested him to return. Upon asking he down-played my input and offered no reason nor apology for not returning them. I said I wanted them, to my own embarrassment I was feeling like the problem again, and he acquiesced. He left the desk and returned a few minutes later, pushing one at me saying this one was inside another. I knew that and it didnt matter, it was inconsequential and felt like a diversion/distraction from the issue. XXXX XXXX came rushing up with a large envelope for XXXX XXXX to quickly put the others into and before I could have a look at them.
I didnt know what to do and again expressed my doubt. XXXX said I can take you back there and show you the money. I sat there in disbelief! I knew my original amount was correct, this big of a difference really was impossible. In shock I got up and left feeling no other option.
Later I wondered : Was I supposed to call the police and have everyone searched, or would they have only made a report anyways?
Later I also noticed only one of the envelopes was ripped/torn open, as if in a hurry. All the other envelopes were carefully opened.
It bothered me so much that on Sunday I tried to call the bank to leave a message for the branch manager but didnt realize at the time it was XXXX XXXX and could not get though anyways. So I left a voicemail message for the only contact I could find at the time, XXXX XXXX saying to please find the money from the envelopes and to call me. Had it fallen out I asked this so he could make it right and to give the benefit of the doubt. After all his eyes were crossed and looked damaged and he seemed a bit slow/odd. Maybe it fell in the shredder or trashcan?
On Monday morning I learned the branch manager was XXXX XXXX and sent her an email at XXXX AM XXXX. She left a message for me a few seconds later also at XXXX AM, reactively saying she didnt know what I was talking about which was not proactive to helping me. I could not forsee her helping as she wasnt helpful before but part of the problem. I sent her another message saying I preferred to communicate in writing and have not heard back. I was going to file a small claim with the county but I'm concerned about doing it incorrectly and then being countersued.
Questions noted : When XXXX XXXX asked XXXX XXXX to sit with me at the desk and speak with me about debt and money management. Was this a distraction so he could count the money " alone? ".
Are there camera recordings to show XXXX XXXX counting properly and not taking any for himself? If so why did XXXX XXXX not respond immediately to my email and provide them to me?
Who will pay for this carelessness? Is it now the customers responsibility to over-ride employee carelessness, incompetence and/or coerciveness and to have to insist on being included in any deposits with cash counting? If so should they now be expected to also give up all cash and wait anxiously in the foyer for all cash deposits?
To recap what doesnt seem right : XXXX XXXX did not count the deposit in front of me at his desk. Nor I was I invited to " the counter '' to make the deposit with a competant employee who knows how to count money in front of a customer. Nor was I shown my money going through a counting machine to be also shown the digital number. Nor directed to the counter to make the deposit with someone who understands how important it is for the depositor to be able to observe the counting in proper bank practices as other banks typically do to my knowledge and have done for me in the past.
XXXX XXXX was oddly insensitive to responding to the real needs of the customer. As avoiding the cues the customer was nervously scrambling to write down all the amounts from each envelope for some record of her money, and then used XXXX XXXX calculator to re-add up the total one more time, plus requesting the return of the envelope 's to verify. Instead he could have invited her to wherever he was heading with her money or counted it at the desk with her present.
Do banks no longer set the standard in money-handling but are d'evolving and so customers must be assertive to guard ourselves in the future?
Included documents : *Appointment with XXXX XXXX email confirmation *Envelopes stack image *Envelopes XXXX of them, XXXXrontside *Envelopes 14, backside *Large envelope XXXX XXXX brought to XXXX *close up of only ripped/hurriedly opened envelope, front *close up of only ripped/hurriedly opened envelope, back *Notecard with envelope amounts jotted down *Deposit slip, frontside *Deposit slip, backside *timestamp left bank, screenshot text *Called XXXX XXXX left a message to him, screenshot *email to XXXX XXXX branch manager, image *Transcription of voicemail to me from XXXX XXXX, image
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| 03/09/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of XXXX ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. BMO HARRIS BK N A Inquiry : XXXX XXXX, XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
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| 02/01/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I got paid on XX/XX/XXXX. On XX/XX/XXXX I attempted to order pizza, only to have my card declined. I called the bank to see what was up. Online banking was down that weekend for a scheduled update so I knew I had to call. My account was flagged for fraud. I still had {$53.00} dollars in my account ( I should have had over {$400.00} ), but because they noticed the fraud, they changed my account to credits only. I was not told this, instead I was told I would be able to withdraw funds via ATM with my pin. I wanted to grab that last {$50.00} so I at leas had some cash while I got this sorted. Im a paycheck to paycheck girl while going to school and trying to pay off my car.
I went to the ATM the next morning with no luck. Call the bank back and this new lady tells me that I cant withdraw the funds and that I need to visit a branch as soon as possible to get the fraud dispute started ( I was also told this on the previous call ). She also informed me that this charge was from XXXX, which I had never heard of and had to have her explain to me over the phone.
Tuesday morning ( XX/XX/XXXX, bank was closed XX/XX/XXXX for a holiday ) I walked into the branch I have been going to since the day I opened my account. There were no available personal bankers and they asked me to come back at XXXX. When I came back at XXXX, I sat with a personal banker who walked me through what I would have to do, and she told me the fraud occurred through my online banking. A fraud claim needed to be filed and I needed to start the process of getting back into my online banking. I began to backtrack and realized I got an email saying my account was locked on XX/XX/XXXX from failed login attempts. She said thats probably whoever did this. She also informed me that I had to open an entirely new checking account because the old one would never be valid again. And I needed {$25.00} to do so. Also the investigation would be 7-10 business days before I see that money again.
At this point I have no money. Payments that I set up over the weekend processed but would eventually be returned because I had no funds. That meant the {$50.00} I hoped to take out that weekend were lost to me for now. The banker also had to call online banking to figure out the process I needed to go through. I told her I could get the {$25.00} to open an account, but it wouldnt be until later that day ( borrowed it from my brother ), and she said I should come back later.
I went in for the third time that day. She told me she had filed the fraud claim and we opened my new checking account. She also told me my credit card payment would process ( that lady {$50.00} ) and it wouldnt be returned, but my cell phone payment would be.
In XX/XX/XXXX, I checked my credit card app only to see that {$50.00} payment had actually been returned. I called the bank since it was Saturday and branches were all closed after noon to verify I had funds in the locked account. I did, but he was unable to transfer them over because it had to be done in person since there had been previous fraudulent activity.
On XX/XX/XXXX I called the banker at the branch to transfer that money into my good account ( she said since she knew me I didnt need to come in ) and check the status of the fraud claim. I was told in order to restore my access to online banking, they required a third party to wipe clean my devices I used for online banking in case any one was hacking them.
Being without any money, my only option was to drive an hour to the XXXX store who would wipe my phone and computer for free. But before I drove that distance, I decided to swing by the ATM to make sure she had actually transferred the money over. She had not. I went into the branch and made sure she did it, triple checked my account, and drove to the XXXX store. Also it was snowing and the roads were super dangerous, but because of my work schedule, that was the only day I could go.
On XX/XX/XXXX, I went into the branch with my receipts from the XXXX store to restore my online banking. The girl I had been previously working with was not available, so I worked with a different personal banker. I sat at his desk for 45 minutes while he was on hold with online banking to restore my account. Eventually that got done and online banking informed him that a male had called on XX/XX/XXXX asking to reset my password. Apparently whoever this was had my SSN. I asked if they had a number of the person that called but never got a response. I asked him if he could check the status of my fraud claim. He said sure, but he didnt want me to have to wait there while he was on hold. He assured me he would call me later that afternoon with an update. I never got a call.
Yesterday, XX/XX/XXXX ( the 7th business day ), I called the original banker I was working with for an update. When she returned my call, she said there was an issue with the claim and I needed to contact online banking and fraud myself. She gave me the general customer service line. I called and got to a human who told me they would transfer me to online banking and it would be a 45 minute wait. I asked to speak to a manager. His manager told me she would contact one of the managers in online banking and they would call me back before the end of the day. They did not.
I regularly XXXX about this whole ordeal, and the verified BMO XXXX XXXX me asking what happened and for my phone number so someone could contact me. Several hours later I got a call from a guy ( I believe he was in customer care/social media ) who told me he was going to have an investigation started to figure out why Im getting this run around.
Around XXXX XXXX I got fed up that online banking had not called me as promised earlier, I called the bank again. I was on hold for 20 minutes, told that it would be an additional 15 minute hold time for online banking, and I waited. It was an hour before I got someone in online banking. I was upset. I was in tears by the time they answered and my mom was very angry too as she seen what had happened and had to help me throughout by lending money, This lady informed me that there were no fraud claims filed on my account. I would have had to sign something for that to happen and it never did. She didnt understand why the banker I had been working with in person didnt file anything and why Ive had to do all this without a claim. She told me the fraud department was closed now ( it was after XXXX ) but she gave me her first and last name and we picked a time of XXXX today ( XXXX ) that she would call me back and transfer me directly to fraud and I wouldnt have to be on hold anymore.
That call did come in and I was connected to the dispute department only to immediately have the call ended. I waited for them to call me back, but have heard nothing. I am trying to call again but continue to be put on hold by every single person I talk to and have not received proper answers.
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| 01/16/2024 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
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Web |
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Commencing on or about XXXX XXXX, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX XXXX from my BMO Harris account to fraudulent investment firm ( s ).
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether BMO Harris did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of BMO Harriss custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether BMO Harris promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether BMO Harris was in compliance with its own policies and procedures ; ( v ) whether BMO Harris owed duties to myself, what the scope of those duties was, and whether BMO Harris did not uphold those duties ; ( vi ) whether BMO Harriss conduct was unfair ; and ( vii ) whether BMO Harris has within its power the ability to, and should, compensate me for the harm that has befallen me.
Upon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity, and properly communicate to the customer that such activity meets the relevant criteria of fraud. In providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a XXXX XXXX to known facts pointing to a real possibility that their customer is being scammed. In other words, BMO Harris must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. The financial institution must have known or reasonably ought to have known that I was dealing with a scammer.
Granted, there is room for diversity of view insofar as reasonableness is concerned. Indeed, there is a sense in which the standard of care of the reasonable person involves in its application a subjective element.
However, it must be remembered that the correct test is always reasonable care in all circumstances, not average care. The fact that most people behave in a certain way may be good evidence that the conduct is reasonable, but this is not necessarily the case. Although reasonableness is a very fluid concept, all of the evidence suggests that BMO Harris did not foresee the fraud and disregarded even the most obvious dangers in this respect.
Situations do tend to repeat themselves and it is advisable to examine previous outcomes to see how the standard of the reasonable person should be applied, and that lessons can be learned from the errors of the past.
Apropos of the fluidity of the concept of reasonableness, all BMO Harris has done in this regard is set up a dichotomy of having or not having the legal obligation under consideration, however, that does not go one-inch toward explaining why various regulatory authorities, has maintained that financial institutions can, and should, protect consumers using their systems, advanced technologies, and rich experience.
BMO Harris is obliged to take some action if it is sufficiently aware of a real possibility that a fraud may be being perpetuated. If you don't question its customers instructions or raise the possibility of a scam with the customer in these circumstances, it may be liable if the red flags indicate the customer is : particularly vulnerable, or if the possibility of fraud was serious or real, not just suspected.
There are some recommendations to organizations for protecting customers from financial harm that might occur as a result of fraud or financial abuse ; and gives guidance on how to recognize customers who might be at risk, how to assess the potential risks to the individual and how to take the necessary actions to prevent or minimize financial harm.
These recommendations are established as a general principle, the organization should deliver a service that : XXXX ) Takes a proactive approach to minimizing risks, impact, and incidences of financial harm and it sets out systems and tools for the prevention and detection of fraud and financial abuse. As a general point, it says organizations should ensure that all systems are developed using technologies and methodologies that are effective in the prevention of fraud and financial abuse, through authorized and unauthorized payments, thereby minimizing the risk of financial harm to customers. As regards the detection of fraud and financial abuse, it says the organization : A ) should have measures in place across all payment channels and products to detect suspicious transactions or activities that might indicate fraud or financial abuse. It then lists the following examples of suspicious activity on customer accounts : a. multiple chequebooks; b. suddenly increased spending ; XXXX transfers to other accounts ; d. multiple password attempts ; e. logins from new devices, multiple geographical locations ; f. sudden changes to the operation of the account ; Unusual transactions are transactions whose amount, characteristics and frequency bear no relation to the economic activity of the customer, exceed normal market parameters or have no apparent legal justification.
g. a withdrawal or payment for a large amount ; h. a payment or series of payments to a new payee ; i. financial activity that matches a known method of fraud or financial abuse.
B ) organizations should have a process in place to ensure that staff makes contact with the customer to verify the financial activity, challenge its authenticity, explain the nature of the suspected or detected fraud, and discuss an appropriate plan of action.
I am deeply convinced that the disastrous results that I have previously elaborated upon will continue to ensue if no responsibility is adopted by BMO Harris in relation to this matter. I have also thoroughly detailed why they can not simply dismiss this problem by strictly adhering to legal technicalities which, after careful reflection, struck me as being nothing more than self-interest. Indeed, it seems to me utterly unfair to disregard fragile, sensitive, and vulnerable consumers who are afflicted by such allegedly malevolent acts, thereby keeping an unjust status-quo that is corrupting our society at its core.
|
| 03/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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BMO HARRIS BANK HELD MY MORTGAGE PAYMENTS FOR 4 MONTHS AND THEN REPORTED IT NEGATIVE ON MY CREDIT REPORT : When I was healthy and working, I paid my mortgage on time and was never late in 20 years ( since the first mortgage in XXXX ). However, during the Covid pandemic, I experienced hardship and lost my job. I also became sick and recently had to have major surgery.
In XX/XX/XXXX, I fell behind on my mortgage and was granted a 3-month forbearance in XX/XX/XXXX. In XX/XX/XXXX, I was served with foreclosure court papers. After 3 requests, I finally received the reinstatement letter in XX/XX/XXXX and paid the full amount of {$8200.00} on XX/XX/XXXX bring my mortgage current.
However, BMO Harris kept my account on hold for nearly 4 months and did not apply the funds to my back mortgage. In the meantime, they were reporting negative to my credit reports and I could not pay at the local bank, or over the phone because my account was " still on hold '' and " funds were in the process of being applied '' ...
I called and emailed BMO Harris Bank over a dozen times in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX begging them to release the hold on my account so that I could pay my current mortgage. Then during the time they were not allowing me to pay because my account was still on hold, BMO sent me a letter in XX/XX/XXXX stating that my mortgage would go into foreclosure again if I didn't pay. I'VE BEEN TRYING TO PAY SINCE XX/XX/XXXX, BUT WAS NOT ALLOWED BECAUSE MY ACCT WAS ON HOLD. BMO Harris Bank held my payments for 4 months AND inaccurately reported negatively on my credit report.
BMO PHONE CONVERSATIONS/EMAILS : My phone conversations with BMO Harris Bank are from the following dates, but not limited to : XX/XX/XXXX : XXXX approved a 3-month Forbearance XX/XX/XXXX @ XXXX : I called to pay my current mortgage and XXXX stated that the account was current and no money was due at that time. I was transferred to the Foreclosure Dpt who stated that the payment was still being processed and that I could not pay at the local branch.
XX/XX/XXXX @ XXXX : I was told that there was a credit of {$3200.00} that still has to be applied to my account.
XX/XX/XXXX @ XXXX : I spoke with XXXX who transferred me to XXXX who told me to email my concerns to XXXX.
XX/XX/XXXX @ XXXX : I emailed XXXX requesting that the {$8200.00} be applied to my account because its being reported negatively on my credit report.
XX/XX/XXXX @ XXXX : I was on hold for 30 mins ; then it was quiet with music for XXXX mins. Then it just hung up.
XX/XX/XXXX @ XXXX : Team Lead XXXX will research and request they apply the funds.
XX/XX/XXXX @ XXXX : XXXX transferred me to XXXX who said she was waiting for 1 more hold code to change.
XX/XX/XXXX @ XXXX : XXXX said I was removed from foreclosure on XX/XX/XXXX ( eventhough I paid the reinstatement on XX/XX/XXXX ).
XX/XX/XXXX @ XXXX : I emailed XXXX, XXXX ( second time ) requesting that BMO Harris Bank release the stops and flag codes from my account because my current mortgage is due on XX/XX/XXXX. I also requested that they reverse the inaccurate negative credit reporting.
XX/XX/XXXX @ XXXX : I spoke with BMO Harris Bank Foreclosure Team Lead XXXX XXXX XXXX XXXX XXXX stated that I STILL could not go into my local bank to pay my mortgages ( which was 3 months past due at that time ) because the Hardest Hits Funds Department has not responded to her emails that she forwarded to them from me. XXXX XXXX confirmed that the reinstatement process should take about 30 days. It had been 3 months since I paid the reinstatement on XX/XX/XXXX. As of XX/XX/XXXX, my account was still on hold and reporting negative to my credit report. XXXX XXXX confirmed that I was at risk of going into foreclosure again because my account would be 4 months past due on XX/XX/XXXX. I stated that I had the funds to pay the past due mortgages for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX.
LOCAL BMO HARRIS BANK WOULD NOT TAKE MY MORTGAGE PAYMENTS : XX/XX/XXXX @ XXXX : After speaking with XXXX XXXX XXXX I went into the local bank located in XXXX XXXX XXXX IL and tried to pay {$1400.00} with check # XXXX ( XXXX ). Bank tellers XXXX and XXXX stated that they could not do it and sent me to XXXX XXXX XXXX, who stated she could not apply the payment either because my account was still in collections. She gave me a number to call the Mortgage Department.
XX/XX/XXXX : I called the Mortgage Department and I was finally able to pay the mortgages for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in the amount of {$1400.00} ( confirmation # XXXX ). BMO charged me {$11.00} for a phone payment system I was forced to use. I am requesting a refund of {$11.00}.
XX/XX/XXXX : I called Customer Service to request Mortgage statements from XX/XX/XXXX XX/XX/XXXX to prove that I had a forbearance/ hardship deferment for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and that I tried to pay the mortgages for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but BMO had my account on hold and I could not pay.
XX/XX/XXXX : I called Customer Service to request FOIA transcripts of all my phone conversations with BMO to prove that I tried to pay my mortgage. They said it had to be an emailed request.
XX/XX/XXXX : I emailed communications XXXX to the following BMO Harris Bank.
XX/XX/XXXX MORTGAGE WAS PAID IN FULL ON TIME, BUT WAS STILL REPORTED LATE ON MY CREDIT : XX/XX/XXXX @ XXXX : I went to the local BMO Harris bank in XXXX XXXX XXXX IL and paid the {$480.00} mortgage due XX/XX/XXXX with check # XXXX ( XXXX ).
XX/XX/XXXX : I checked my XXXX and XXXX credit report and BMO reported that the mortgage payment for XX/XX/XXXX was late. IT WAS NOT LATE I paid a day early. I called BMO XXXX and they confirmed that it was PAID ON-TIME on XX/XX/XXXX.
INACCURATE NEGATIVE CREDIT REPORTING ( please reverse ) My credit report states 14 missed payments from BMO. This is NOT accurate. As stated above, I had a forbearance/deferment for XX/XX/XXXX - XX/XX/XXXX ; my account was put on hold in XX/XX/XXXX and I paid the reinstatement on XX/XX/XXXX ; BMO Harris kept my account on hold until XX/XX/XXXX and would not let me pay the mortgage. Technically, I have 6 missed payments, not 14. As a courtesy, I am requesting for BMO Harris Bank to reverse ALL negative reporting.
I am requesting for BMO to contact XXXX, XXXX XXXX XXXX Credit Reporting Agencies and : A ) Legally remove negative reporting for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
B ) Courtesy removal of negative reporting for XX/XX/XXXX XX/XX/XXXX.
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| 11/22/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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BMO Harris Bank engages in deceptive trade practices. In our case, it was not our choice to go with BMO. Our company & our lease contracts were transferred to BMO through their buyout of another company whom we were already engaged in business.
BMO acquired XXXX XXXX in XXXX. XXXX XXXX is the company we leased our equipment through. In XXXX, our company had XXXX active leases with XXXX XXXX which included, XXXX XXXX XXXX XXXX XXXX XXXX XXXX with an estimated value of roughly, {$970000.00}, and since we are a trucking company, we can not do our business without our trucks & trailers. Our only option was to continue business with BMO. With that being said, our business was now going to be through BMO and we have learned the hard way, that entering into a contract with BMO is nothing short of a no-win situation for everyone but BMO.
Their contract is a, " take it or leave it '' agreement, and is the epitome of what qualifies as a Contract of Adhesion. An adhesion contract or contract of adhesion exists if, " the Parties are of such disproportionate bargaining power that the party of weaker bargaining power could not have negotiated for variations in the terms of the Adhesion Contract ''. Adhesion contracts are generally in the form of standardized contracts that are entirely prepared and offered by the party of superior bargaining strength to consumers of goods and services.
BMO revised The Master Vehicle Lease Agreement after acquiring XXXX. XXXX agreement allows them to take your payment and apply it as follows ; " first late charges, then additional rents, and then any other fees or amounts payable hereunder ''. Then they apply your payments to the monthly rentals. BMOs revised agreement says, " all payments received by us with respect to a lease may be applied by us, in our sole and absolute discretion, to late charges, to additional rent and any other fees or other amounts payable hereunder, and to the monthly rentals, in any order and manner selected by us ''.
This is in the fine print of their contract, and if you can get past all the wordiness in BMOs agreement, you see that EVERYTHlNG in the agreement gives BMO full authority to do business however they wish and holds them accountable for nothing, and you as the consumer, are liable for everything no matter what deceptive practices BM0 dishes out.
Under the Doctrine Of Unconscionability, it states ; If a contract is unfair or oppressive to one party in a way that suggests abuses during its formation, a court may find it unconscionable and refuse to enforce it. A contract is most likely to be found unconscionable if both unfair bargaining and unfair substantive terms are shown.
The contract isn't the only problem. What is an even bigger issue is the deception they use in their billing process to get away with stealing your money. Then when you figure out that that is what they are doing, they talk you in circles like you're an XXXX.
The definition of consumer fraud is, " the unfair or deceptive business practices that cause consumers to lose money or be misled ''. Consumer fraud is commonly defined as deceptive business practices that cause consumers to suffer financial or other losses. The victims believe they are participating in a legal and valid business transaction when they are actually being defrauded. Fraud against consumers is often related to false promises or inaccurate claims made to consumers, as well as practices that directly cheat consumers out of their money.
Their invoices tell you to include your " Account Schedule number '' to ensure your payment is applied correctly. It also states that " invoice is for current items due ''. So when you write a check to pay a bill, you expect that when the company receives it, that bill will be paid. Especially if the company does not send you any information to the contrary, ever. We sent our payments in with the invoice coupon from the bill and wrote the account # s on the check.
Since BMO has taken over, XXXX XXXX has experienced issues such as ; being charged erroneous tax amounts, fluctuations of erroneous tax amounts, fluctuations in payment amounts, misapplication of payments, discrepancies with our ACH payment receipts, erroneous late charges, incorrect account balances, the removal of access to our online accounts, overpayment on leases by tens of thousands of dollars, doubled billing, splitting up payments between c ] ur accounts without telling us.
BMO has taken it upon themselves to create a " LOAN '' for us without a verbal consultation with XXXX XXXX beforehand, and it is under question that the documents they have for that loan, may or may not have been manipulated without our written consent. They sent a letter stating we applied for the restructure of our leases, but they can not give us any paperwork showing that we did it. BMO has taken our payment that were on time and put it in their system, turned around 3 days later and reversed it, then put the next month payment that also included the previous payment into their system at the later date and charged us late fees. Incidentally the first {$7000.00} payment has just disappeared. We had a lease that we were overcharged & overpaid for and that we have paid off, and should have the titles & trailers in our possession, but instead they were bought out from underneath of us by a third party from BMO. We have evidence that suggests that BMO is holding payments past due dates which results in late charges.
This is not a complete list of the issues we have and are currently having with BMO.
In XXXX when XXXX XXXX first discovered tax discrepancies on our billing history, we contacted BM0 with the information. They checked into it, acknowledged that we we re correct and they refunded some of the tax monies that we were incorrectly charged. We have since went through all of our lease accounts with BM0 and have found a plethora of discrepancies and erroneous charges and it is still an ongoing battle with BMO to get these issues resolved. We have consulted with their legal counsel, we have sent records and numbers and evidence & explanations to BMO. We have conversed with their accounting people, upper management, account managers. We still do not have resolution.
On XX/XX/XXXX, we were contacted by a representative of BMO, XXXX. He stated " he was picking up all the equipment ''. We have been making payments on time and even early. BMO is not out any monies. We believe this business practice is unacceptable.
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| 12/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Older American, Servicemember |
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I am an attorney and have power of attorney for my elderly father, who started the process of attempting to pay off his mortgage loan with BMO Harris Bank in XXXX. He had considerable difficulty obtaining a pay-off statement and, according to him was given " the run around. '' BMO Harris ultimately directed him to XXXX, as its administrative agent. When he finally received the requested pay off statement from XXXX via facsimile on XX/XX/XXXX, not only did it have a good to date of XX/XX/XXXX, which PRE-DATED the date it was actually provided in violation of the banking regulations, but it also contained numerous errors and inconsistencies on the face of the document, including an interest calculation for 0.0000 % at {$550.00} and a charge of {$2300.00} for something called recoverable balance.
I spoke with " XXXX '' at XXXX to attempt to reconcile these issues to no avail. Initially, he indicated that the recoverable balance figure could have to do with a tax or insurance payment, but then advised that other records showed that the charge had been removed from the account. The interest rate issue, he could not explain and needed time to further investigate, recommending that we request a new pay-off statement in seven days, which we did not want to do as the loan was coming due. Thus, I spoke with his supervisor, XXXX XXXX at XXXX XXXX, who promised to look into the inaccuracies and provide a proper pay off statement ASAP so that the loan could be paid off. Unfortunately, XXXX then went radio silent and failed to respond to my numerous emails and follow up requests for a proper payoff statement so that the loan could be satisfied. See emails dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Frustrated with the lack of response to the request to obtain a proper pay-off letter or explain the basis for the miscellaneous charge of {$2300.00} on the erroneous and obsolete pay-off letter that was sent, on XX/XX/XXXX, a formal request to terminate was faxed and a wire for {$80000.00} was sent. The amount of {$80000.00} was excess of the amount owed even with the improper and unexplained miscellaneous charges. The check cleared from the issuing bank on XX/XX/XXXX. I continued to follow up with XXXX to obtain proper payoff statement and answers to the outstanding questions related to any charges assessed against the account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. See, emails dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX never responded to any of these direct email requests which were sent to XXXX XXXX.
On XX/XX/XXXX, my father received a monthly billing statement dated XX/XX/XXXX which showed a payment due of {$77000.00} to satisfy the loan. Thereafter, I call BMO Harris directly as XXXX had completely ignored our repeated requests for information. BMO service representative confirmed the loan had been paid in full, but refused to provide any additional information claiming that the oral authorization previously provided numerous time over the phone by my father had expired. I provided a formal written authorization on the loan account to BMO Harris on XX/XX/XXXX.
On XX/XX/XXXX BMO Harris forwarded an acknowledgment of the authorization to my office address. I called the number provided on BMO Harris 's acknowledgement and spoke first with XXXX who confirmed that there was a charge assessed against the account for {$23000.00}, but could not explain the nature of the charge or why it was assessed. I then spoke with XXXX, who was also unable to explain the basis for the miscellaneous charges were applied to the account in connection with the loan pay off. Notably, this was the same {$23000.00} charge that was initially at issue in the bad XX/XX/XXXX pay off statement issued by XXXX and the same charge that was purportedly removed from the account per my discussions with XXXX on XX/XX/XXXX. Because neither BMO representative could provide an explanation as to what the charge was for, they directed me to communicate the inquiry via email to " XXXX, '' claiming that someone would respond to the inquiry within 24 hours.
Thereafter, I forwarded to the email address provided a history similar to that set out above with the request that the Bank provide an accounting of the charges assessed against the loan account and explain the basis for any miscellaneous charges. XXXX, XX/XX/XXXX email. After receiving no response, I followed up again on XX/XX/XXXX. BMO Harris still did not respond.
On XX/XX/XXXX, my father received a refund check for {$120.00}. On XX/XX/XXXX I followed up again via the email address that the Bank provided and advised that we had received a " refund '' check that was considerably less than what was owed and outstanding and had repeatedly demanded an itemization and accounting of the charges assessed against the account. I advised that if we did not hear back regarding this issue, we would be forced to take formal action, including but not limited to filing complaints with consumer protection agencies and civil court to the extent a conversion claim was necessary.
Not one of the numerous people we have had try to assist us have been able to explain this charge. The Bank and its agents complete failure to respond to our repeated documented requests for a proper pay off letter and answer the questions we have about the improper charges is inexcusable and should subject BMO to liability under the banking regulations.
We have demanded that the miscellaneous charge of {$2300.00} be reversed and reimbursed and that the funds in excess of {$77000.00} pay-off amount noted in the XX/XX/XXXX closing statement be returned immediately to avoid further action. Please contact me promptly with questions or need for additional information.
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| 11/09/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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This is not a duplicate complaint. This is an ongoing mistreatment and I continue to call this bank and do everything they tell me to do but they are ignoring me. I believe that I am being discriminated against because they continue to lie to me about my fraud disputes. This financial institution is responsible for their customers money and to apply the policies and procedures that are in place in order to do so. Complaining to the CFPB and the FDIC have not forced them to pay attention to my issues and they keep shoving my complaints under the rug. I filed disputes with Bank of The West as soon as I discovered transactions that I did not recognize or authorize. I filed these disputes in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I made a police report and I filed a list of disputed transactions with the customer service representatives every single month. I emailed the banker who opened my accounts and she emailed back stating she was escalating my claims to the manager in XXXX and that I would get a call from the manager the next day. I believe the manager did not contact me because the merger with BMO was about to begin and all accounts would be shut down for XXXX weeks. I explained that my cards were stolen and other mail. I was told to wait for XXXX business days each time I called whether it was the debit card department or the credit card department to receive a provisional credit while the items were investigated and that a final determination would be determined within 45 days. I was explained the process and that the merchant only had a certain amount of time to respond. The rules are clear. The manager of the bank didn't contact me until I researched her email address and found her XXXX weeks ago. She apologized for not contacting me in XXXX. There is NO EXCUSE for this. Every single person has some reason for not taking care of returning my money to me. I DO NOT trust this bank whatsoever. The carelessness that I have had to endure by random online service representatives removing my accounts from my accessing them and lying to me that they were closed. Then having to be stuck in a restaurant after closing because my cards didn't work, only to call in and be told that the fraud department was closed so call back tomorrow. I was facing being arrested for not being able to pay for my food. When I finally reached a manager I was told he could not find any accounts for me. I recently asked for overdraft and then I received verifications in the mail stating that my request to NOT have overdraft protection was approved. I asked for it not to stop it. I requested that my secured credit card is closed. The bank personnel at every level does not know how to do that so my credit is going to be ruined. This is the most XXXX, UNORGANIZED GROUP i have ever seen in my life. I have had to sell everything I own including my house because of this. I made another claim on Saturday for the same items before the XXXX day cut off and was told that now my account would be FROZEN and I would need to go to a branch to get a new a account number. I can't even buy gas to go to the branch to do that. This was for a claim that has been made over and over. I was told that the interest on my cash advances for the secured card that the bank is holding {$12000.00} of my money for would be reversed and also the cash advance fees. Rather than the person reimbursing me for this, she charged my account AGAIN FOR IT. Who is in charge of this? I have called and called and emailed and emailed and not one person is accountable. Is this the highest that I can complain? I am furious. I am being treated as if I am some kind of problem. NO this is all the banks fault and I want my money now. This bank may very well be stealing money for all I know. No one will contact me about my claims and no one is giving me what the policy promises. I don't understand why I am sitting here with frozen accounts and backward charges and no provisional credits. I am being pushed aside so that time keeps going by intentionally. I will be filing lawsuits before the statute of limitations is up to do so. I record every call just like the bank does so my lawsuit will extend to sue individuals who have mishandled my fraud disputes and discriminated against me personally. Complaining seems to make the representatives treat me worse because I am complaining. I just want to be treated equally and have my money in an institution that follows the federal guidelines that allow it to exist. I spend at least XXXX to XXXX hours a day on this and NO ONE CARES. I don't have 60 days to keep waiting. If this was taken as serious as it is, someone would be answering to all of this and not keep causing more damage to my life. Every day that I have to go through this discrimination it is being lodged in my ongoing timeline and extensive notes and I believe that punitive damages will be significant for the way my situation has been so poorly handled. It is XXXX and this has been ongoing since XXXX. How is it that this financial institution is allowed to change the policies and procedures to allow them to start to investigate something they dropped the ball on and not make sure that I am given my provisional credits? This is a set up because there is nothing consistent from person to person and there is not one care in the world that i am missing over {$30000.00} in my accounts and there is not one care in the world that I am being charged enormous excessive fees and being told that I can't close my accounts to that the bank can keep over charging me? Who is going to do something about it? Do i have to die of starvation and homelessness before you pay attention?
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| 05/05/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I filed for bankruptcy in XX/XX/XXXX ... ever since then its been very difficult to contact BMO Harris Bank N.A., and make a payment on my mortgage. I have tried on more than one occasion to either visit or call a local branch XXXX XXXX, IL and XXXX XXXX, IL to be specific, but the minute they see bankruptcy on my mortgage I am told they can not assist me in answering any questions and inter office my payment is all they can do for me. So I began calling in my monthly payments to the Banks bankruptcy department XXXX XXXX XXXX XXXX option # 2 and the following has occurred : 1. ) I have to call multiple times to get a live representative on the phone 2. ) Often my hold time is over 30 minutes ... just to make a payment 3. ) Once, the bankruptcy representative asked me several times why my payment was late and then apologized over and over for asking the same repetitive question about late payments and blamed it on himself because he was new to the job 4. ) I also have a Home Equity Loan with the BMO Harris Bank N.A., for which I called their Bankruptcy Dept ( repeatedly ) inquiring about possibly consolidating my first and second mortgage ... the Representative whispered and told me I was better off going to another bank because BMO Harris Bank was not going to help me combine the two.
5. ). I called on another occasion and spoke to yet another Representative from BMO Harris Banks bankruptcy department and asked her if she knew what I had to do in order to consolidate the 1st and 2nd mortgage? She told me I should call the Branch..I explained to her and told her I had left messages for the mortgage representative at the XXXX XXXX branch several days before but the I had not received a call back. Her response was Pfff, probably because they know youre not going to get approved. I said excuse me ... you do know that you can not discourage someone from applying for a loan ... and she immediately began back peddling.
6. ) Often I have questions regarding my escrow ( included in my mortgage payment ) and Im told to leave a message ... twice I waited for over 2 weeks to get a call back. By the time I received a call back I had forgotten what I called for.
7. ). When calling the Bankruptcy department, if I ask them questions about my mortgage including payment information, Im repeatedly told they dont have that information and Im pretty much in my own ... well who can answer my questions then?
8. ) Today XX/XX/XXXX, I called to make a payment and called more than 9 times and left 2 voicemail messages because no one was picking up in the bankruptcy department or returning messages. So I entered option # 1 for the Probate Department, hoping someone would take my payment ... someone anyone. I spoke to a nice lady by the name of XXXX. She told there was nothing she could do for me other than direct me to hang up and call again and leave a voicemail for the Bankruptcy department. After waiting for a call back I called back and once again selected option # 1 for the Probate Department hoping to speak to a live representative and XXXX picks up again and stated she had brought my first phone call conversation to her direct manager and was told theres nothing they could do in the Probate Department and could not take a payment from me and that I had to go directly through the Bankruptcy department. I then told her I had it! ... I asked if she could give me the address to where I could mail my payments being that the branch would not assist me and calling in my payments is time consuming where Im constantly having to call over and over and leave messages to no avail. I told her I was going to report BMO Harris Bank to the CFPB and she immediately said hold on let me get a hold of someone in the bankruptcy department to call you right back. Really thats what it had to take to get someone to take my payment?!? Within 6 minutes I got a call from XXXX from the bankruptcy department who took my payment over the phone. Why is this such a grueling process ... every month?
9. ) I recently changed homeowners insurance companies and called to inquire about the claus I needed the claus information to provide it to my new insurance carrier. After 6 calls, 4 different representatives and 3 days later I called once more and was told just fax it to us well get to the right place ... .this is truly disappointing and exhausting. Doesnt anyone have this information? Or is it because I filed for bankruptcy that Im treated with less respect?
10. ) I was finally put in touch with a representative concerning combining the 1st and 2nd mortgages about 6 months ago ... .for which he explained to me that BMO Harris does not take loans ( for which a client has filed for bankruptcy ) and combine them. It was against regulation/policy ... and was further adviser I was better off going to another mortgage company to seek financing ... because BMO Harris Bank could not accommodate me and neither could a mortgage representative from one of their branches.
11. ). There has been 1 single individual who has offered to help me and gave me permission to ask for her whenever I called after explaining some of the service I had encountered with attempting to make my mortgage payments. Her name is XXXX, unfortunately I could not get a live representative today no matter how many times I called and left messages until I told the representative I was going to submit a complaint.
I would appreciate an explanation for the poor service and lack of employee knowledge and empathy. Thank you.
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| 06/20/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
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On XX/XX/XXXX, I made a XXXX transfer from my XXXX saving account to my Bank of the West checking account for {$1800.00} and another transfer on XX/XX/XXXX from my XXXX saving account to my to my Bank of the West checking account for {$290.00}. I never had any issues with XXXX in the past, so I didn't think anything of it, until on XX/XX/XXXX I realized I never received either amount in my Bank of the West checking account. So I disputed the XXXX transaction with XXXX and they warned me saying it would take 10 days to do an investigation. They credited my savings account for the transactions on XX/XX/XXXX. While on vacation, we received a letter from XXXX stating that they found no errors and saying the transaction was complete and that they would withdraw the money from our savings account on XX/XX/XXXX. After we came back home from vacation, I was going through the mail on XX/XX/XXXX and came across the letter from XXXX. I checked the XXXX savings account and sure enough it was withdrawn and I checked the Bank of the West checking account and sure enough it was never deposited. So I called XXXX and spoke with XXXX in Disputes and explained the situation and he recommended that I contact Bank of the West to see if they can see anything. I called Bank of the West and spoke with XXXX. Realizing that my issue was more of an online banking issue, he transferred me to XXXX. XXXX stated that she didnt see anything on Bank of the West end of things and so I called XXXX again and spoke with XXXX and gave her the case # XXXX that XXXX gave me. I told her that even though it says that it is complete I never received it and I can show proof by showing my Bank of the West bank statement. She recommended I submit my proof, that it was never received, through XXXX secure messaging online. So I did that with the following message and submitted my XXXX bank statement from my Bank of the West checking account.
This is regarding case # XXXX. Attached is our checking account bank statement with Bank of the West ending in XXXX showing proof that I ( the recipient of the XXXX transfers : {$1800.00} and {$290.00} ) never received the funds, but the funds are still withdrawn from my XXXX savings account # ending in XXXX.
Attachments Bank of the West Statement XXXX Transaction Disputes XXXX For a month going back and forth with XXXX getting the run around from them, I finally filed a complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX.
On XX/XX/XXXX I received a phone call from XXXX with XXXX saying that the problem is the account number that was entered for XXXX was missing a digit. He said the routing number was correct and went to Bank of the West, but not the account number. The account number was missing the second 0 in the number. He said typically if this happens it would fall in their general ledger account until they can figure out which account number it belongs to. ( Frankly I wish they would have told me this sooner so I could have started working with Bank of the West right away with the issue. ) XX/XX/XXXX - I sent a secure message to Bank of the West explaining the situation.
XX/XX/XXXX - Since there was no response from the secure message that I sent above, I called Bank of the West and XXXX answered and I explained to him the situation and he said unfortunately they only have access to records for up to the past three months. He recommended that I go to the nearest branch as they would have access to records for those that are dated further than three months.
XX/XX/XXXX - Went into Bank of the West at XXXX XXXX XXXX, XXXX, CO and spoke with XXXX XXXX and she called the online department and they said theyll put in a claim with XXXX ( Claim # XXXX ) but more likely it wont work, but we need to wait 7 business days for the results and then if no luck there, she said she would call the client who has our money to see if he is willing to send back our money. If no luck there then she said we can try and request it back through XXXX.
XX/XX/XXXX - I called to check on the status of the claim # with XXXX and ultimately the lady who answered said that Bank of the West claims that they cant do anything because it wasnt the bank that initiated it.
XX/XX/XXXX - So I tried to Request the money back through XXXX as XXXX with Bank of the West suggested on XX/XX/XXXX. I went to XXXX website and went to Request and the contact/name/account didnt pop-up for where I initially sent it to, it was only in the Sent option. In the Request I could add a contact but I would need the mobile # or email associated with XXXX and not just the account #. So I contacted XXXX and spoke with a lady who seemed as though she was trying to help us and after putting us on hold after explaining the situation, she said we can request a dispute, which she did for us for each transaction. She said that it will take 5-10 business days for us to receive the forms. As soon as we receive them, we need to fill them out and send them back to XXXX ( we have just 5 days to send them back ). XXXX investigators will look at our case and could take 45 to 90 calendar days to investigate and make a determination as to what they can do. She said the Dispute # is XXXX.
XX/XX/XXXX - Unfortunately we never received those dispute forms, so I called XXXX and spoke with XXXX. She stated that she spoke with the Dispute office and they claimed that they cant do anything because the transaction shows that it went through.
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| 12/31/2021 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Funds not received from closed account
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Web |
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Im writing in regards to a XXXX XXXX XXXX account ( # XXXX ) held at XXXX XXXX, which still shows as having a balance of {$100.00}. See the attached exhibits as examples of the funds Im able to see on XXXX XXXX website and mobile app. Ive also included a statement that I had saved previously, which includes the full account number for your reference.
When I called on XXXX XXXX, XXXX, around XXXX to XXXX Pacific Time ( XXXX Central ), to close the account and have the funds available sent to me, the phone representative, XXXX, repeatedly told me she could not find the funds or even see the account. She placed me on hold several times during the 45 minute call, and eventually told me that she thinks we sent the funds to the state as unclaimed property.
When I informed her on several occasions that I could see the account online, she told me her system was showing her nothing, and that she couldnt help me. I asked her to have someone else research the issue further, but she simply told me to use a website called, unclaimed.org and search for my name using this 3rd party website to find the funds and claim them myself from the state of New York, where I originally opened the account. ( I previously lived at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX- I still own that apartment and regularly check mail there, but have moved to a new address in the last year. In either case, I never received written correspondence from XXXX XXXX that they were sending my funds to the state or any other government body. ) However, despite using the unclaimed.org website as directed by XXXX, I can not find any funds unclaimed under my name in the state of New York that might have been left by XXXX XXXX ( again, this was at XXXX direction ). Ive tried searching with a variety of names or alternate spellings, and there is nothing there.
I asked XXXX to provide me her last name, an employee ID, or a reference number to help me track our discussion, but she refused and simply said to use her name and the time I made the call. She also made no attempt to put me in touch with a supervisor or anyone else at the company that could help, and did not let me know if anyone would reach out to me despite multiple requests on my part to have someone do the research, investigate, and come back to me.
She said the funds were sent out from XXXX XXXX on XXXX XXXX, XXXX, which is less than a year after I last received a statement and not even 10 months since a transaction had last posted to the account ( again, see the aforementioned statement and screenshot of my account, which I could view through my laptop ), which you can see for yourself still had funds in it since at least XX/XX/XXXX.
My experience with XXXX XXXX has not lived up to its reputation and billing as a major regional bank in the US for several reasons : # 1 ) I was surprised that there was no case or file opened to research this matter, and even when I told XXXX that we could take the time to look into this, she cut me off and just told me to use a non-BMO website.
# 2 ) I found it highly unusual for a bank representative to direct a customer to use a 3rd party website. Ive never heard of Unclaimed.org and dont know why I was instructed to use it. I also dont know why XXXX XXXX this was a satisfactory outcome.
# 3 ) I never received any written correspondence from XXXX XXXX that it was taking the {$100.00} and declaring it unclaimed property and sending it to a government agency.
# 4 ) I was not offered any help when I couldnt find the unclaimed property through New York State. I find this particularly frustrating since XXXX XXXX caused this problem in the first place.
# 5 ) XXXX XXXX took this action less than a year since I last held funds in the account.
# 6 ) XXXX was unable to see my account or balance, despite the fact that I kept telling her I could see it on my end, both on XXXX XXXX website and on your mobile app. I find this very strange and I dont understand how your own customer service agents cant see the banks own information. This was a major point of frustration, since XXXX kept repeating that the account didnt exist, that the funds werent there, etc. while I could see very plainly that the account and money were very much there.
It is also frustrating that I am taking time out of my holidays and limited time off from work to take care of this issue, and I am disappointed that XXXX XXXX not only created this problem but does not seem interested in fixing it, and is leaving a customer to fend for themselves with unclear directions and no resolution in sight. The attitude from XXXX was simply one of telling me that it wasnt XXXX XXXX problem, and that I would have to find my missing funds by myself, which I can not locate despite multiple best efforts on my end.
I am unsatisfied with how XXXX XXXX handled my funds, and XXXX strikes me as only part of the problem. There appear to be multiple points of failure in this process, and it suggests issues with your controls and compliance processes. I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) to look into this matter as well.
At a minimum, I would like XXXX XXXX to fix the issue of the missing funds, and return to me the {$100.00} that is showing up in my account.
I would appreciate a prompt reply with a reasonable path to resolving this issue. Ive included my contact information below.
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| 03/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
Servicemember |
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I submitted a complaint on XX/XX/XXXX regarding Bank of the Wests handling of the loan processing for a motorhome I purchased from an individual. I stated I purchased the motorhome around the end of XXXX or first of XX/XX/XXXX. Bank of the West responded by saying this was incorrect as I signed the installment agreement on XX/XX/XXXX. This may be a matter of opinion but the first of XXXX was not a specific date but a statement of the general timeframe. The date the loan was funded is irrelevant and not in dispute. The handling of the process from that point forward including the response to my original complaint is unacceptable. The loan was funded in XXXX of XXXX and the transfer of title/registration was not completed until XX/XX/XXXX. This was not because of a power of attorney that was submitted incorrectly. Paperwork was requested before the loan was actually funded as well as the title that was sent to the previous owner. The previous owner made copies of all paperwork and the original title before sending to Bank of the West in a return envelope they provided. I was told on one of the many customer service calls that I made it appeared the paperwork was lost by Bank of the West because the loan had not yet been funded and therefore had no where to go as they could not match the paperwork with an existing account. This is only one example of the gross negligence and incompetency of Bank of the West. We were sent paperwork to take to the DMV to have the VIN certified and we were told we had to take the motorhome to the DMV to do this. We drove 30 minutes away on 2 separate days after getting an appointment at the DMV only to be told the motorhome was titled in CA originally and did not need any other certification from the DMV to move forward. According to the DMV that process is only for vehicles that were not previously titled in the state of CA. I took time off from work to take care of this unnecessary request. As a bank processing loans in the state of CA someone should have known the process before requesting paperwork that wasnt needed. I called regarding this XXXX up as well. There are numerous documented phone calls from myself and my wife attempting to get some sort of action on this process. Each time we called we were given a different reason for the delay. At no point did anyone from Bank of the West inform me the delay was a result of incorrect paperwork. We even provided documentation requested through email and still did not receive a response. This process was delayed over the course of 9 months through no fault of our own and is a direct result of the mishandling and improper practices of Bank of the West. I do not dispute that a retail installment contract was signed or the responsibility to pay. I dispute the statement from Bank of the West that they will not reimburse me for payments made on a motorhome that I was unable to use or move because of their negligence. I do not dispute that insurance is required. I dispute the response by Bank of the West that they should not have to reimburse any part of payments made even though I was not able to drive the motorhome through their negligence. If Bank of the West actually looked into this matter as they claimed then they would have found records of the numerous phone calls that were made by myself and my wife trying to rectify this situation. I even went in person to the local Bank of the West in XXXX, Ca and still could not get anyone to help me. I can assure you if we were told a power of attorney was the only thing needed it would have been provided right away. The original registration expired during this long and tedious process preventing us from using the motorhome in any capacity. Once again I can assure you if we had been able to fix the issue as simply as providing the POA we would have done so. Instead we had to continually make payments for something that we did not legally own. The title as well as the registration remained in the previous owners name and therefore Bank of the West was collecting payments for a loan that they never completely processed. The registration was finally received XX/XX/XXXX and instead of a normal registration period it only covers the remaining months of the original registration. So not only could I not drive or use the motorhome now i will have to pay for the renewal in a matter of a few months instead of the year we should have received. At the very least the late fees as well as the fee for the shortened renewal should have been covered by Bank of the West. Instead the only resolution offered was to review the bills I received for the 2 storage spots I was forced to pay for as I was unable to move the motorhome to the closer storage facility with expired registration. I respectfully decline to take your ludicrous response to a very valid complaint at face value. Nothing in this process was a result of my negligence or failure to provide requested or accurate documentation. Everything related to this is a direct result of the incompetence of Bank of the West. They should be ashamed at the way they treat hard working people who are the whole reason they can conduct business in the first place. I will be consulting an attorney and filing a complaint with the XXXX XXXX XXXX
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| 11/21/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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At this time, I am putting a claim against BMO Harris Bank, the beneficiary of the funds that I sent through my XXXX XXXX XXXX account which subsequently turned out to be a scam. I feel this is the only way BMO Harris Bank will see my very detailed documentation detailing a scam/fraud which will hopefully assist them in deciding to return my funds. Below are the details which I included in my original complaint ( COMPLAINT ID XXXX - SUBMITTED ON XX/XX/2019 ) against XXXX XXXX XXXX which XXXX XXXX XXXX has since denied. It is important to note that on XX/XX/2019, I did speak with a representative of BMO Harris Bank by the name of XXXX. I called their 800 customer number ( XXXX ). After explaining my predicament to XXXX, she put me on hold and when she came back on the line, she said that she had spoken with one of their fraud investigators by the name of " XXXX '' and that he had told her that he was aware of this fraudulent online puppy company, " XXXX XXXX '' and that they were investigating them. So that's why I want to make sure that they see my documentation and help me get my funds back.
Below is what happened : On Sunday, XX/XX/2019 I found on the internet a company, XXXX XXXX, that was supposedly selling puppies. I contacted them on the phone number listed on their website ( XXXX ) XXXX. When they replied to me the phone number changed to ( XXXX ) XXXX. The seller/scammer told me his name was XXXX XXXX and his address was XXXX XXXX XXXX, XXXX, Texas. We negotiated for two puppies to be shipped to us from Texas to Florida for {$1400.00}. We agreed on 1/2 ( {$700.00} ) deposit to be sent to an e-mail address ( XXXX ) they provided me to send the deposit thru XXXX. I did this on Monday, XX/XX/2019 with the promise that the puppies would be delivered on Tuesday, XX/XX/2019. I was supposed to get a confirmation number first thing Monday, XX/XX/XXXX which was supposed to include flight information. I was eventually provided by e-mail with the confirmation and another website ( XXXX. ) I later found out this was also a fake website. Long and short - they had no puppies nor did they have any intentions of delivering the puppies just taking my money. As soon as I figured out that I had been scammed, that same Monday, XX/XX/2019 I contacted my bank, XXXX XXXX XXXX, and filed a claim ( claim # XXXX. ) They proceeded to tell me during this first call that they would start an investigation that could take anywhere from 10 to 45 days. The bank told me to file a police report with my local jurisdiction so that same day, I went to my local police department and filed a police report ( XXXX, Florida Police XXXX # XXXX. ) I provided the police department with extensive documentation to back up my case which included e-mails between myself and the scammer as well as pictures of the fake websites, and more. The next day I made another phone call to XXXX XXXX XXXX fraud dept. to give them the police report number and I was told that once I had the police report in my hands to go to one of my local XXXX XXXX XXXX branches and have them fax my police report and any other documentation I had to the XXXX XXXX XXXX fraud department. I was also told that I would receive a letter after the 10th day giving me the name of the XXXX XXXX XXXX investigator working my case. Once I had the hard copy of the police report, I met with a local banker from XXXX XXXX XXXX who reached out to the fraud department. They proceeded to tell us that they didn't need that paperwork. I explained to XXXX XXXX XXXX fraud dept during this meeting that the paperwork I had would give them backup to show the beneficiary bank, BMO Harris Bank, how I was scammed and that they should make every effort to retrieve the money for me. XXXX XXXX XXXX proceeded to insist that if they needed it to fight my case, they would request it from me at a later time. I was anticipating receiving the letter which XXXX XXXX XXXX had told me I would receive after the 10th day of me placing my claim. Well I did receive it on Monday, XX/XX/2019, and it did not include a investigator 's name. It basically told me that they had finished their investigation and they were not able to get my money back from BMO Harris Bank. I made a claim against XXXX XXXX XXXX through this agency, the CFPB. Approximately a week ago, I received a phone call from XXXX XXXX XXXX telling me they had reviewed everything that was provided to them by CFPB and still concluded that they were denying my claim. I asked them how they concluded this, and they said that it was because I authorized the payment. I proceeded to ask them if they had contacted the beneficiary bank, BMO Harris Bank and shared the documentation with them, and they said " no ''. I went on to tell XXXX XXXX XXXX that I felt that if they had shared this documentation with BMO Harris Bank, that bank would clearly see that I authorized these funds under fraudulent conditions and they would possibly consider trying to get my funds back. Therefore, at this time, I am putting a claim against BMO Harris Bank because I feel this is the only way they will see the my very detailed documentation detailing a fraud. PLEASE NOTE THAT MY PDF ATTACHMENT HAS BEEN BOOKMARKED FOR EASE OF READING. Thank you.
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| 10/25/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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When I originally applied for a Home Equity Loan Line of Credit ( HELOC ), I was told by the personal banker that if by the time the loan has matured it is not paid off in its entirety ; I would only see an increase in the interest rate and that too by a few points. I was not told that there would be any other penalties or problems ; just a slight increase in my interest rate. I readily accepted this information thinking that the banker was guiding me in the best way possible since I had never taken out a line of credit before. In XX/XX/XXXX, I received a letter from BMO Harris Bank indicating that my HELOC had matured and by that time, I had not finished paying off the loan in its entirety. Because I had not paid off the loan completely, it was sent to a collections agency. We were contacted by the collections agency and it was arranged that I would make fixed payments in the amount of {$250.00} every month. I was sent monthly statements indicating how much of the loan was remaining, my amount due, and my payment received was reflected within the statement. I continued making payments towards the loan every month never once missing a payment and every month I always paid MORE than the amount that was fixed by the collections department. I always paid {$300.00}. In XX/XX/XXXX, I stopped receiving statements from the bank. But, that didnt stop me. I continued making my payments every month. For the past year and a half, I have not received a single statement that reflects my payments made at the bank or my current balance, but I continued making my payments. Due to the nature of my loan and how it was set up within the bank system, the payments had to be entered into the bank system in a certain procedure. Not all the bank tellers were aware of this procedure. As a result, there were many times when the payments were entered into the system incorrectly. And due to not having a statement sent to me, the bank tellers were constantly messing up and adding more hassle to my already frustrating problem. In XX/XX/XXXX, I went to the bank to have my debit card re-set and it was that personal banker who inquired about my mortgage asking me what my current interest rate is and if I was interested in refinancing. At that time, I explained to him my situation with the line of credit. How no one took the time to explain the loan to me and misguided me. As a result, my loan went into collections and I now have a delinquency being reflected on my credit report. The personal banker introduced me to a mortgage banker. It was at this appointment that I found out how much of my loan was left to payoff ; approximately {$3800.00}. I was very excited to find out how little of the line of credit was left to payoff and was ready and willing to pay off that exact amount right away. I was referred back to the personal banker to help me in contacting collections to finish paying off the loan. I went back to the bank a few times and finally was told that if I would like pay off my loan, my payoff amount would be {$5500.00}. I was told that my loan was now in the hands of a third party collections department that was not within BMO Harris Bank. No one from any collections department had ever bothered to contact me to settle the loan or negotiate once it matured. When I told the personal banker I would like to settle, he gave me the number to contact collections. I was placed on hold forever. No one ever picked up the phone. Whenever the personal banker tried to get through when I came to visit him, he too would be sitting on the phone waiting for someone to answer. I was finally contacted by a representative from Collections on XX/XX/XXXX. I told her I would like to settle the loan. She asked if I can pay off the loan in the amount of {$4500.00}. I do not have that much money available so negotiated in the amount of {$4000.00}. It was still more than the original balance the mortgage banker told me of but included interest for the bank. She stated she will call me back the next day with an answer. I did not hear from her until Monday, XX/XX/XXXX ; 1 week later. She stated that the request for the settle amount was denied and that the new payoff amount was {$5500.00}. I made another counteroffer for {$5000.00}. She stated she will present my offer and call me back. I am still waiting to hear from the representative. While all these negotiations are going on, I still have not missed making a payment and made a payment for XX/XX/XXXX this time for {$400.00} ; more than the designated fixed amount. If I was guided to refinance or remodify, my credit would never have been affected. I am ready to settle the balance and finish this loan, but the bank is not budging. I am trying to negotiate the payoff amount and they are not willing to agree. Lack of receiving statements has made a HUGE impact. Every time I try to negotiate a counter offer with interest, they are not accepting anything. As you can see, I am desperate to pay off the loan and be done while trying to meet the bank on their terms. One would think the bank would be happy to settle with the first available offer so they can close this loan, but instead they are being extremely uncooperative by denying every offer I make.
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| 09/08/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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XX/XX/XXXX BMO Harris Bank XXXX. Box XXXX XXXX XXXX, IA XXXX Phone # : XXXX Fax # : XXXX XXXX : XXXX XXXX XXXX XXXX.
Account # XXXX To Whom it may Concern, My name is XXXX XXXX XXXX XXXX and I am writing due to the fact that I feel that I am being treated unfairly by BMO Bank. I took over a Company called XXXX XXXX XXXX back in XXXX from XXXX XXXX XXXX XXXX of XXXX, NC. The XXXX XXXX XXXX XXXX XXXX that he purchased through XXXX Bank was found to have an engine that was no good in the first month of his purchase.
I had the engine replaced through a purchase warranty and I have been running the Company and making the truck payment since the first payment of the loan. I asked XXXX XXXX to contact BMO Bank back in XXXX to inform them of this change and to inquire about having the loan put into my name. BMO Bank stated they would not do that. I have continued to pay this loan, never late always on time and on two different occasions I felt that I wanted to expand my company and add another truck but BMO Bank the first time told me that they were confused with my paperwork, no further explanation and I was denied. The second time I inquired with BMO Bank regarding a loan to acquire another tractor they once again denied me this time because they said there was to many inquiries on my credit report and that my accounts were not in place long enough.
The standard response you get from a Financial Institution when there is no real basis for the denial. I have now nor did I than have any negative issues on my credit report for at least the past XXXX to 5 years. I have not been late or missed any payments due dates in the past XXXX to 5 years. I have paid BMO {$1200.00} per month for the past XXXX to 5 years and never missed a payment and never have I been late. Yet the only response I have received from BMO Bank is no or nonsense about inquiries on my credit report or not having accounts long enough. Clearly anyone can see from my credit history that none of the reasons BMO bank denied me for has had any bearing on my ability to pay on time consistently and this can not be denied. I am scheduled to be released from the hospital around XX/XX/XXXX. Before I entered this hospital on XX/XX/XXXX. I had inquired with BMO Bank asking them for a ( 3 ) month waiver because I would be unable to work the truck. XXXX of BMO Bank explained that there is a process to be approved for this and she was not sure as to how long it would take for me to receive an answer. What XXXX was sure of is that my monthly payment would increase, my interest rate would also increase and there was one more increase that would take place if I were approved for the waiver. I asked XXXX what I needed to do to be considered and she responded that some documents would be sent out to me but now as I am unable to work, I have yet to receive those documents to be considered for the waiver.
It is crystal clear that BMO Bank could care less about me or about me being one of their customers. It makes no sense that I am paying {$1200.00} dollars per month from this hospital bed when BMO bank could have granted me a waiver especially for a XXXX International PRO Star Tractor that I will have paid off in ( 9 ) months. I am now clear about who BMO Bank is, they send me an invoice to my home each month for {$1200.00} and after they receive my money they pretend they dont know me and want nothing to do with me. I get it!!! I am requesting assistance with being recognized as the consumer whom has diligently been paying on this loan since day one. I would like the three credit reporting agencies to be made aware by BMO bank, that I XXXX XXXX XXXX XXXX has been paying the {$1200.00} invoices that BMO Bank has been sending me since day one. BMO bank has unjustifiably said no to me about ( 2 ) loan applications and they had no problem with not even responding to my request for the waiver even though from my hospital bed I have had to pay them out of pocket on time each month. I feel that I had earned the three previous requests that I had made to BMO Bank. I dont believe that anyone even BMO bank can take from me the reality regarding whom has paid the note on the XXXX International PRO Star For the last four years and that I should get credit for my efforts.
I am asking that the three credit reporting agencies be contacted by BMO Bank to inform them of my four years payment history that the credit bureaus know nothing about. I would like my four years of payment history to be reflected on my credit reports. Here is thanking you in advance for any assistance rendered in this matter In case there is any questions or confusion as BMO bank claimed before regarding the validity of my request please feel free to contact myself or XXXX XXXX.
Closing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # : ( XXXX ) XXXX Phone # : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX, NC XXXX
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| 06/20/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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BMO Harris failed to disclose all the requirements of their XXXX mortgage program during the application and pre-approval stages and continued to misrepresent our options and solutions during processing and underwriting resulting in delay in closing and failure to perform.
We began initial discussions with mortgage banker XXXX XXXX in XX/XX/XXXX and were pre-approved prior to going under contract for a home on XX/XX/XXXX. The status of our employment ( starting new jobs in a new state ) was made clear to both XXXX XXXX and XXXX XXXX ( new loan officer who took over our account from XXXX XXXX ). We were never told that the contingencies contained within our offers letters and contracts, which were provided during this phase, would be required to be met prior to closing. As is standard in XXXX contracts, we had contingencies including state licensure, XXXX credentialing, as well as other employer specific requirements. While we had been working to meet these contingencies, including by having submitted all documentation required on our behalf, the remainder of the contingencies could not be met until governing boards had completed their process. If we had been properly informed of the mortgage program requirements, we would not have staked the closing of our house on these contingencies which were out of our control. We were first made aware of these requirements when we received our conditional loan approval on XX/XX/XXXX. We contacted our processor and submitted letters from our future employers ' HR departments stating that we had completed our portion of these contingencies and we were on track to starting on our anticipated start dates. After submission of this documentation we were unable to get answers from BMO employees in either processing or loan officers on where the status of our loan stood. In fact, our loan officers did not return several calls and emails until we contacted his supervisor XXXX XXXX on XX/XX/XXXX. At that time we were told that they were working with underwriting where it had been escalated to the level of the U.S. director of underwriting. XXXX XXXX told us that the decision was made to allow a verbal verification of our future employment in lieu of meeting contingencies for both of us. He told us that he was 95 % certain that it would go through and if we were able to get our processor in contact with our employers that it would not be a concern. We helped to facilitate the contact with our future employers with our loan processor. I remained in contact with our processor every few days to ensure they did not need any further documentation and that everything was on track for our closing date of XX/XX/XXXX. I received multiple reassurances that indeed they had all documentation and that the decision made by the head of underwriting could not be overruled. As of XX/XX/XXXX this continued to be the message. When I called again on XX/XX/XXXX, I was unable to reach the processor despite multiple attempts. I called multiple times again on XX/XX/XXXX as we should have been receiving our closing disclosure and was unable to get a return call or email from either the processor or loan officer. We again escalated this to XXXX XXXX who text us that evening that there were problems with the contingencies but he could not discuss them with us at that time and that we needed to call the processing supervisor XXXX XXXX. As it was after business hours we called, left a voicemail and emailed but could not get in contact until the morning of XX/XX/XXXX when we were told that we would not be closing on time. We worked with XXXX over the next several days to attempt to get documentation from our future employers as we were then told we could close by XX/XX/XXXX. I reviewed the remaining steps and timeline required for closing with XXXX however this process changed as time went along and despite meeting certain approvals would then require additional documentation and start the approval process over. On XX/XX/XXXX, XXXX stopped returning my calls. That night after business hours I received a call from XXXX XXXX that they would not close our mortgage until our XXXX credentialing had been complete ( which would be later than XX/XX/XXXX ).
Had they been clear from the start or even at the point that we raised questions about these requirements we would have had adequate time to find another lender who understood XXXX contracts and employment. In addition to their misrepresentation of their program, their customer service was deplorable. Not only did they not answer or return calls and emails but we were spoken to with such disrespect. We provided all requested documentation promptly and gave them extra time beyond the contracted closing date in order to close this loan. Their actions were not of a bank trying to earn our business, but instead trying to prevent us from using another lender.
|
| 06/05/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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This concerns a checking account, savings account, and CD with Bank of the West and belonging to a nonprofit unincorporated association. I have served as the XXXX of the nonprofit and as a signer on these accounts since XX/XX/XXXX. Bank of the West is now a part of BMO Harris.
In XXXX or XX/XX/XXXX, I contacted my small town Bank of the West branch about my concern that there might be an attempt to commandeer these bank accounts by a statewide organization.
On XX/XX/XXXX, I contacted my branch about closing out the CD which would mature on XX/XX/XXXX. Thus, my branch should have suspected that I was still XXXX I was told I needed to wait until XX/XX/XXXX.
On XX/XX/XXXX, unspecified individuals using purported meeting minutes had my bank branch replace the existing signers with themselves, without warning, inquiry, or notice to, and without authorization from, the existing signers.
I discovered what had happened in the morning of XX/XX/XXXX, and the accounts were frozen. But the bank has not reversed the changes made on XX/XX/XXXX, and I have not had a comfort level with how it has all been handled. I have not been told that I will even be informed when the dispute is resolved.
I have provided various documents to the branch, but my understanding is that before the changes will be reversed, I have to file suit against those who requested the bank to make the changes. This seems backward. It seems like those who wanted the accounts changed should be the ones who file suit.
My understanding is that the accounts will remain frozen until I surrender the books to the other parties, whomever they be, and the other parties can prove they've been surrendered. But the bank refuses to identify who is/are now listed as signer ( s ) on the accounts, and refuses to provide details about the purported minutes that were used to hijack the accounts.
I filed a complaint with the OCC on XX/XX/XXXX in order to inquire as to what safeguards might exist to prevent accounts from being hijacked in this manner.
When I've asked a difference branch of the same bank, the bank 's national customer service or fraud line, and my own personal bank this question, I have been told multiple times that a safeguard is to involve an existing signer when making changes to an account. Yet when discussing this particular incident with the bank branches and the regional customer service officer, I get a different answer, that involving an existing signer isn't necessary and purported minutes alone are sufficient. To me, it's as if someone is trying to evade liability for what happened by answering the question differently.
The first response I received from the OCC didn't make sense, because the letter said the OCC doesn't process complaints that aren't submitted by the account owner. This didn't make sense because by phone the OCC told me to submit my question using their complaint form, and then when I did that, the OCC 's letter told me I couldn't do that. It's as if there is no way to complain to the OCC about an unauthorized change of signers on an account. Further, I was using the complaint form to ask my question about what safeguards are in place, as the OCC had instructed me to do, and thus technically wasn't filing a complaint, as far as I can tell.
Eventually I got a call back from the OCC which sounded as if I was talking to the bank : No, the bank could not notify me when the dispute was resolved. I could get a copy of the purported minutes during discovery in a lawsuit, but not from the bank before then. But the oddest part of the conversation was this : I have repeatedly raised my concern that this reveals a weakness in our banking system, that anyone, perhaps someone involved in organized crime, could walk in off the street, produce purported minutes, and hijack bank accounts. In response to this, both the branch manager of a different branch of the same bank, and the OCC person who called me back after I asked questions about the letter I had received from the OCC, discounted my concern as being just a hypothetical.
Another troubling issue was that the bank 's national customer service or fraud lines ( both BMO Harris and Bank of the West ) told me there was a form I needed to fill out and sign at a branch. The branch at which the incident occurred knew nothing about such a form, even four days after I had originally followed up on what I was told by phone. After being again told an additional three days later by a national customer service person that I needed to go into a branch, and fill out and sign a form, I drove 40 miles one way to a different branch to do that. At that branch I was told there is no form. And when the regional customer service officer later called me, she said there was no form as well.
|
| 06/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
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I received an email at the end of XX/XX/ from BMO HARRIS BANK stating I had changed my phone number on my online banking. I had not done so and immediately went to the nearest branch located in XXXX XXXX XXXX. It was determined my account had been compromised and I was informed that initial account was closed for investigation. A new checking account was opened with limited funds while the investigation was underway.
As instructed at the branch, I made several attempts to contact BMO Harris Bank Fraud Department, waiting upwards of 30 minutes on hold for a Fraud representative before being disconnected or having to end the call due to other appointments.
I am XXXX by a XXXX XXXX disorder and had inquired about speaking to a Fraud specialist in person, but was told they do not work with clients in person. I was finally able to make it to the XXXX XXXX branch during business hours and sat down with the Branch Manager who waited on hold with me in his office for 35 minutes before a fraud representative answered the phone. During our conversation, I was informed that my account had not been affected with only one {$800.00} transfer being attempted but not completed. I was told to have my phone cleaned for malware and my online banking would be suspended until then.
I went to the extreme of buying a new phone and stopped using my BMO HARRIS BANK accounts, instead using XXXX CHECK CASHING LOCATIONS, CASH, GIFT CARDS, XXXX, and XXXX XXXX while the investigation was being completed.
When I hadnt received any updates by the end of XXXX, I went to the XXXX XXXX branch location and worked with XXXX - BANKER. She informed me that my accounts werent being investigated or monitored as I had been assured, and proceeded to show me my accounts. This was the first time I saw my accounts in months and recognized $ XXXX of dollars in fraudulent transactions. These transactions were documented and those accounts were frozen with another new account opened.
A couple weeks later, I went to the XXXX XXXX XXXX XXXX location to inquire on the investigation and change my mailing address. I was informed that a police report was required, and a letter saying so much has been mailed to me despite my repeated request for phone calls, emails, and messages via the BMO APP. This request was made as a result of the fraud investigations mismanagement leaving my without adequate money to afford housing.
I went to the police station within a couple days of being informed of the request for a police report. I reported {$29000.00} in potential fraud and emailed the report to fraud.
The day after I received a call from XXXX XXXX from BMO HARRIS BANK Fraud and emailed him a copy of bank statements with every potentially fraudulent transaction highlighted, a copy of the police report that indicated {$29000.00} in potential fraud, and a request for regular progress updates via phone call or email. He promised to communicate this to FRAUD. He also informed me I was not eligible for a provisional credit because I reported the fraud after 60 days. I communicated my frustration because I had been reporting my accounts being compromised for months and been operating under BMO HARRIS guidance, but despite this I was not given any provisional credit.
I reached out to XXXX every week requesting an update and finally received word in XXXX the investigation would be complete at the end of the month. That time came and went with no update and finally in XXXX I was informed {$900.00} was determined to by my transactions- 10 days later I received {$1800.00} in my checking account. Then at the end of XXXX a letter that had been mailed despite several phone calls detailing why I could not receive mail and assurance I would receive emails, was forwarded to me by XXXX BMO XXXX. It stated the investigation had been completed despite {$26000.00} in potentially fraudulent transactions not being accounted or investigated.
I made an appointment with the BMO XXXX XXXX who had replaced XXXX, a TRULY OUTSTANDING BMO LEADER and the only reason I maintained an account there, who had moved to Arizona. I explained to her my situation, she did not believe my account ever possessed the funds in question, showed me my account had been closed for excessive overdraft, and then literally threw me out of her office.
Realizing I had likely lost {$25000.00} after suffering homelessness and having to apply for XXXX XXXX waiting for over eight months for BMO to secure and reimburse my accounts with almost no response to over 100 requests for updates my mental health spiraled and that day I was admitted to an XXXX XXXX XXXX for a week before transferring to a XXXX XXXX for continued monitoring.
|
| 12/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Since XXXX, I have had my Mortgage, Home Equity Line of Credit, Credit Card, Savings and Checking account through BMO Harris Bank.
In XXXX, my ex sister in law began working at BMO Harris. I had a strong feeling she was illegally accessing my confidential financial accounts as I was in post decree litigation with her brother, my ex husband, over financial issues concerning my minor son.
On XX/XX/XXXX I spoke with a BMO Harris employee ( XXXX XXXX ) who notarized a document for me. I explained my concerns & asked how I could go about asking BMO Harris to look to see if my accounts where being looked at. No investigation was initiated by the BMO Harris employee that I am aware of.
Again on or about XX/XX/XXXX, I had the same exact conversation with BMO Harris employee, XXXX XXXX, who handled my HELOC with BMO Harris. No investigation was initiated from this discussion that I am aware of.
Between XXXX XX/XX/XXXX, I called BMO Harris asking them to do an internal investigation into all of my financial accounts. More specifically, I wanted to know if my ex sister in law was viewing them. After many calls on my end and some run around from BMO Harris, I was finally advised around XX/XX/XXXX by XXXX XXXX ( BMO Harris investigator ) that my inquiry had been escalated up and that I would be hearing shortly from XXXX XXXX, Head of Banking at BMO Harris.
XXXX XXXX and I spoke on XX/XX/XXXX for the first time. This is when he advised me that my ex sister in law had in fact been looking at my accounts and admitted to passing my financial information outside of the bank, to a family member ''.
On XX/XX/XXXX Senior counsel XXXX XXXX advised me over the phone that my ex sister in law told them that she was investigating me for FRAUD, on behalf of a family member. That makes me livid! Not only should she not have had any authority whatsoever to view any of my documents, her current position at XXXX XXXX is not to investigate fraud in any capacity. Nor should she have illegally passed my confidential information to anyone outside of the bank. Nonetheless, XXXX XXXX did not terminate her from her current position and has put no safeguards in place so that my financial accounts and personal information are kept safe.
A fair resolution would be if BMO Harris offered and produced the following to me within 10 days : 1 ) A copy of BMO Harris s entire investigative file in this matter, including training materials / bank employee polices and procedures Re : breach of contract, privacy rights etc and disciplinary action taken against their employee, my ex sister in law.
2 ) An affidavit from my ex sister in law, stating what financial accounts she accessed of mine, the dates they were accessed, if she ran my credit report, if she viewed my credit report and when, who she disseminated my confidential financial information outside of the bank too and the dates this information was disseminated?
3 ) XXXX XXXX remove this employee who criminally and illegally looked up my confidential accounts by immediately terminating her all together.
4 ) All of my attorney fees be covered by Harris Bank under the legal cause of action, breach of contract and breach of fiduciary duties etc. as well as attorney fees currently pending in XXXX County ( post decree ) matter.
5 ) That my medical bills related to this incident ( after XX/XX/XXXX- present ) be paid for up to {$100000.00} that are all casually related to this illegal incident and breach of contract- fiduciary rights suffered by XXXX XXXX employee , my ex sister in law.
6 ) Mental Anguish, Pain and suffering, Punitive & Compensatory damages all in the the amount of {$400000.00}. This breach was done with malicious intent. BMO Harris is liable for their employees criminal actions, along with Data Breach, Breach of Contract & Breach of Fiduciary duties / rights. BMO Harris continues to be negligent as they did not terminate my ex sister in law or remove her from her position where she can continue to view / access and disseminate my confidential information to anyone outside of BMO Harris bank!
7 ) BMO Harris agrees to provide identify fraud protection ( up to {$1.00} XXXX in coverage ) as well as credit monitoring for the next 10 years at no charge to me.
8 ) BMO Harris Bank agrees to convert my current mortgage ( 5 year arm ) currently at 3 % interest rate to a 30 year fixed at 2.75 % within 30 days. Additionally, that for the next 20 years BMO Harris will provide a 30 year fixed mortgage at 2.75 % ( up to {$350000.00} mortgage ) to me in the event that I sell my current home and purchase another.
Thankyou, XXXX
|
| 09/01/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
ACCOUNT VERIFIED RESPONSE I Sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking #.
According to the FRCA The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.
ListAccounts DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!
These accounts should not be furnished on my consumer report as they are in VIOLATION!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to sub
section ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
PS!
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' BMOHARRISBK/XXXX Do you see information you believe to be inaccurate?
Start a dispute Account info Account name BMOHARRISBK/XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$9.00}, XXXX written off. {$9.00}, XXXX past due as of XX/XX/XXXX.
Status updated XX/XX/XXXX Balance {$9700.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$8700.00} Highest balance - Terms 84 Months On record until XXXX XXXX Payment history XXXX XXXX XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX 30 XXXX 60 XXXX 90 XXXX CO XXXX CO Current / Terms met 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days CO Charge off Payment history guide Charge Off as of XX/XX/XXXX to XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX This account is scheduled to continue on record until XXXX XXXX.
Balance history XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more Additional info The original amount of this account was {$8700.00} Contact info Phone number None provided Address XXXX XXXX XXXX XXXX, GA XXXX AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
|
| 02/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
On XX/XX/XXXX, I applied for the BMO Harris Bank XXXX XXXX Mastercard because of the advertisement the company addressed to me in the mail promising a " {$200.00} cash back bonus awarded after {$2000.00} spent in purchases within the first 3 months of account opening. '' On the same day, I was notified that I had been approved for the card. I received an email confirmation of the approval. On or around XX/XX/XXXX, I received the card in the mail and I activated it via the phone number indicated on the card. On the same day, I made an online purchase for about {$83.00}. Immediately thereafter, I received a " suspicious activity '' email stating, " Your card ending in [ XXXX ] is currently restricted due to security reasons. Please call us at XXXX to address a suspicious {$0.00} transaction that occurred on your card on XXXX at [ XXXX XXXX XXXX ]. '' I immediately called the number. The company representative said I had to verify my identity before I could continue to use the card by visiting a XXXX Bank in person. I've had numerous credit cards over my 18 year credit history and I have never once had to verify my identity in any way - let alone in person - so I was frustrated, confused, and suspicious of this Bank 's request. The representative then said she could verify my identity by sending me a text message, but I never received the text. This also made me suspicious. Then the representative said I could verify my identity by answering a few credit bureau type questions. This also made me highly suspicious, especially because it seemed as though the representative was calling from her home and it was super quiet. It made me uncomfortable with all the telephonic fraud taking place in the world, coupled with the fact that I'VE NEVER HAD TO VERIFY MY IDENTITY WITH A CREDIT CARD COMPANY BEFORE USING A CREDIT CARD. Therefore, I declined verifying my identity this way. At this point, I was suspicious of this company and wanted to cancel my card, but then a BMO Harris Bank representative informed me that I could not cancel my card without first verifying my identity. I called on XX/XX/XXXX at around XXXX XXXX but could not get through to anyone for over 40 minutes and had to hang up. I then called again on XX/XX/XXXX at around XXXX or XXXX XXXX PT and the representative said I could not cancel the card without visiting a bank branch in person. However, the representative told me there were no XXXX Bank branches anywhere near where I live in XXXX XXXX, CA. He then said he would send me a secure message with a document that I could complete that would help verify my identity but that a manager would have to approve it and that would not be until business hours on Monday in Central Time which are XXXX XXXX to XXXX XXXX Pacific Time, Monday through Friday. After a lengthy conversation with this person, in which I complained about XXXX 's glitchy and difficult to navigate website and overall bad customer experience, I hung up. I received the document the following day via a private message center within the XXXX online banking portal. I had to set up a whole other password to use this messaging system. I then downloaded the document and although it seemed simple enough, it required notarization! An additional cost that was not disclosed to me. Needless to say, I am extremely frustrated with BMO Harris Bank on many levels. Chief among my complaints are that it ( XXXX ) mislead me into believing it was a trustworthy company through its advertising as it looked similar to other trustworthy banks that Ive used in the past, such as XXXX XXXX XXXX, XXXX, and XXXX, ( XXXX ) it advertised that I could earn {$200.00} if I spent {$2000.00} within 3 months of the card opening but it has purposely prevented me from using the card after my first purchase, ( XXXX ) its website allowed me to schedule a payment on it but it did not send me a confirmation email and Im worried given how untrustworthy it has proven to be that the transaction will actually occur, ( XXXX ) On XX/XX/XXXX, I tried to log into my account on the XXXX website multiple times but I was unsuccessful due to a site error, ( XXXX ) the Company lured me into applying for its card with the intent that I never be able to earn the {$200.00}. If I am unable to use the card and if XXXX continues to be difficult to deal with, then I would like to cancel the card. However, I am unable to cancel the card without going through the arduous process spelled out above. Given my experience so far, XXXX XXXX is untrustworthy and should not be permitted to conduct business within the United States.
|
| 06/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
XX/XX/XXXX RE : XXXX XXXX Bank of the West ( XXXX ), Acct # XXXX, ( CFPB ) Case # XXXX To whom this may concern, XX/XX/XXXX, the Covid-19 pandemic broke out and effected millions across the nation, which eventually led into massive job losses, delayed unemployment benefits, delayed stimulus payments, delayed federal extensions, paused government and financial institutions to no fault of the consumer what so ever. XX/XX/XXXX, my federal extension was cut off without good reason by The State of Californias Employment Development Department ( EDD ). By doing so, it resulted in delinquent payments and destroyed my credit to no fault of mine, see ( EXHIBIT A, Pgs. 1-3 ). These exhibits clearly indicate my years of good standing credit prior to the Covid-19 outbreak, then plummets drastically because of the delays mentioned above. Recently, after one year and nine months, questioning ( EDDs ) adverse actions, XX/XX/XXXX, ( EDD ) miraculously released the missing federal extension payments, see ( EXHIBIT B, Pgs. 1-2 ). If ( EDD ) processed the extension timely, it would have prevented the delinquent payments. Now, I am faced with a bankruptcy for the first time at a cost to me, which is unacceptable, disturbing, and concerning for a matter I did not create.
I did reach out to The Department of Financial Protection and Innovation ( DFPI ). I argued the same mentioned above, however, the ( DFPI ) would not engage. In my view, there are no laws or safeguards that would protect a consumer from an event that has never taken place before. Because of the pause, it created a massive financial disruption that nobody has ever encountered before. I strongly feel, I am one of thousands, perhaps millions of consumers that was dealt a brutal blow because of the circumstances mentioned above.
Furthermore, I find it very disturbing, as of lately there is a record number of bankruptcies being reported by consumers and businesses of all kinds. Consumers were given stimulus checks and federal extensions as well as businesses and now the majority are failing because of the pause, which is disturbing and concerning. I strongly feel all financial institutions do understand what has taken place. In my view, these financial institutions are Steam Rolling consumers for financial gain by taking advantage of millions of consumers who have delinquent and defaulted loans, which was created by the unforeseen historic Covid-19 outbreak.
These circumstances were way beyond the control of the consumer. ( BOW ) has failed to recognize the impact this matter has created and simply do not want to. I have found out through my time spent with this matter, all lenders I have had accounts with acted in the same manner and hid behind their terms and conditions, which are dated and do not apply to this unique circumstance. There is nothing in writing within ( BOWs ) terms and conditions that would describe how they would operate during a complete government and financial institution shutdown, because that event has never happened before in history.
Again, in my view, there are no laws or safe guards that would protect a consumer regarding this never seen before catastrophe. So, how is a consumer supposed to protect oneself with no laws or safe guards set in place? I strongly feel, the banking institutions are fully aware of what they are doing and nobody is talking about this. So, where does that leave the consumer against these financial giants with zero resources to protect oneself against their relentless pursuit to obtain payment? Most of the nation, including myself are now being heavily impacted three years later, as its all falling apart right in front of the nations eyes with still no solution or recourse, why not?
Finally, the fault and blame lead back to the unforeseen Covid-19 outbreak and ( EDD ) for their inexcusable adverse actions. ( EDD ) did the right thing by issuing the past due amount. ( BOW ) must and should reverse the negative credit report to reflect a good credit standing. I strongly feel this is the appropriate remedy to extinguish this matter due to their inexcusable patterns of unethical business practices, which has gone unnoticed.
Lastly, I respectfully request the ( CFPB ) to investigate this matter, as I have only noted the obvious throughout my complaints. If this matter is not under the jurisdiction of the ( CFPB ), please provide the appropriate agency or agencies that may be of assistance.
CONCLUSION I respectfully request ( BOW ) to reverse any negative credit reporting and bring my account current.
Respectfully, XXXX XXXX
|
| 10/03/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
This issues in my other complaint roll over to this complaint and the following more specific issues : I opened a secured credit card with XXXX XXXX XXXX XXXX in XX/XX/2023. The banker took $ XXXX for this card. My claims on disputes were not taken correctly and after the bank merged with Bank of Montreal my ability to use the account was changed. I went into the new bank where I live and was told that I would have to pay off the account in order to close it. I informed the branch which was now Bank of Montreal that they had $ XXXX on deposit against my usage and that they need to reconcile the account by using that money. While I didnt want to close it initially, they had stopped allowing me to pull cash out. Every person I spoke to had a different version but no one would help me. I had fraud disputes with all my accounts and no comprehensive help from anyone. While I tried to pull out money in the branch, the teller called her contact at BMO and I stood there an hour and a half while no one picked up the phone to talk to her. I called BMO myself and got thru in XXXX minutes. While that customer service person told me I exceeded my cash advances I got a call on my other phone from XXXX, XXXX, XXXX. It was the fraud department asking me if I was trying to withdraw money. I confirmed that I was and where I was etc. I had to pass my cell phone under the window while the branch manager took my phone to the back to speak with the lady. The fraud department confirmed several times that there was no limit on my cash advances and that she removed the block. This never happened. I was then told to work with customer service and that the block was removed. I was unable to get my money several times. I had disputes on this account dating back several months that were not handled correctly. I was sent from department to department and one guy wouldnt transfer me and argued with me for an hour. The next time I went to the BMO branch they told me they couldnt close my account or give me any of my money. They wouldnt give me a form to refile my disputes as I was told to do in the branch. They told me to call BMO and ask them what I should do. I was standing in the BMO branch. The next time I came to the branch they locked the doors XXXX minutes early while I was in my car getting ready to go in. Eventually I reached a woman who handled all my disputes and she did some research and said she would return my call. She did return my call and she resubmitted my disputes. I had my provisional credits the same day and the cash advance limit seemed to have been removed. Now I am being charged over a XXXX dollars in cash advance fees. And interest of almost {$200.00} for cash advances. Due to the mishandling of my disputes for so long I feel this bank has taken advantage of me. My account holding $ XXXX for this card earned XXXX cents in a year. But they are charging me cash advance fees and interest on my use of the money. I paid the account off every month. I have been tormented on calls and in person. Neither bank has been able to escalate my issues and my credit and financial well being has suffered greatly including my mental health. I reported that I want all these fees returned to my account but only XXXX have been credited. Thats the way everything is handled on all my accounts. I asked the bank to close this account for months and they refuse to do it. Only XXXX person has every got back to me since XXXX. Everyone else has transferred me to closed departments or told me they cant help me and told me they cant escalate my matters. No one will go over the disputes and the items in the disputes and then they choose how much they want to allow or start treating me like this is my fault. This goes back to Bank of The West and transfers to BMO and theres no consistency. The BMO credit department says a provisional credit is applied within XXXX to XXXX business days while the checking department says 1 to 10 business days and both departments pick and choose what credits they give like only XXXX out multiple cash advance fees. When the credits dont appear then they say well we try but it can be longer than XXXX business days. They tell the customer to wait. No one is accountable and as a customer you have to wait and then they say to much time has passed and now its to late to process the claims. I cant get past the customer service reps and they tell me they will escalate by email and someone will get back to me and no one ever does. Ive lost a lot of money due to this.
|
| 12/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a BMO Harris/BMO personal relationship checking account on XX/XX/XXXX, during that time they had a promotion running that stated if I opened this personal account and direct deposited {$7500.00} or more I would earn a {$500.00} account bonus. I opened the account, on XX/XX/XXXX I recieved an email stating thank you for opening the account and the promotion is applied to the account and the bonus will be paid assuming all requirements are met and on XX/XX/XXXX I direct deposited {$8400.00} into the account.
Here are the terms : To take advantage of the checking offer, you must open your account between XX/XX/XXXX and XX/XX/XXXX, and use the checking promo code thats automatically applied in the XXXX XXXX links above. Accounts opened on the final day of the promotion must have their applications submitted and approved prior to XXXXXXXX XXXX XXXX You may open your account at a BMO branch, online, or by calling XXXX.
If you open your account online by clicking XXXX XXXX above, we will automatically apply the promo code for you. If you open your account by calling XXXX, we must receive your opening deposit and all signed account opening documents by XX/XX/XXXX. Offer is limited to one per customer and is not available for existing BMO personal checking customers ( including signers on joint accounts ) or those who have closed a BMO personal checking account within the past 12 months. Cash bonus is not considered part of the opening deposit and will be reported to the IRS for tax purposes. You are responsible for any applicable taxes. Offer canbe changed or canceled without notice at any time and can not be combined with any other offer. Your account must be open, in good standing and must have a balance greater than XXXX when the cash bonus is paid.
Checking Offer : Get up to a {$500.00} cash bonus when you open a new BMO Sma
rt Money Checking, BMO Smart Advantage Checking, or a BMO Relationship Checking account and have qualifying direct deposits of salary orother personal income such as a paycheck, pension payment, Social Security payment, or other governmentbenefits payment electronically deposited into the account from an employer or similar third party. We reserve the right to request documentation that the direct deposits qualify. Direct deposits via Account to Account or Peer to Peer ( i.e. XXXX, XXXX ) transfers do not qualify.
1 ) Get a {$300.00} cash bonus when you open a new Smart Money Checking or Smart Advantage Checking account and have a cumulative total of {$4000.00} in qualifying direct deposits within 90 days of opening.
OR 2 ) Get a {$500.00} cash bonus when you open a new Relationship Checking account and have a cumulative total of {$7500.00} in qualifying direct deposits within 90 days of opening.
You are only eligible for one checking cash bonus ; you can not open multiple checking accounts and receive multiple cash bonuses. Day 1 is the day you open your account and begins the tracking period. If you open your account on a day other than a Business Day, Day 1 is the next Business Day. The checking account type you have on Day 90 will determine which cash bonus you are eligible for. In order to receive the cash bonus, you must meet the associated criteria for that account. Cash bonus is paid into the checking account approximately100 days after account opening.
After waiting the 100 days from opening which would have been XX/XX/XXXX, I called customer service and was told that I did not qualify for the bonus as I closed a personal checking account withing the past 12 months. I did close a business elite checking account with BMO within the last 12 months and the terms stated here only say that I can not be an existing personal checking account holder or have closed a personal checking account withing the last 12 months in which this account opened on XX/XX/XXXX would be the first personal checking account with the bank. Lastly they said that even though I closed a business account it would disqualify me from receiving a personal account welcome bonus which clearly shows that they are not honoring the words in the terms and conditions.
I have attached the welcome email for my business checking account established back on XX/XX/XXXX ( in which the from name comes from a name BMO Harris Business Banking ), the welcome email I received for my personal relationship checking account from XX/XX/XXXX, a pdf copy of the terms and conditions ande an account statem, ent showing my director deposit of {$8400.00}.
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| 12/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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My loan was a transfer from Bank of the West ( who you bought out ). I did not choose to do business with your company, I was forced, my opinion was not solicited. No alternative options were offered.
Problem 1 ) Stopping my monthly due date e-mail notifications. Forcing me to accept a paper statement.
Problem 2 ) Bad training. I was told both on the phone ( multiple conversations ) and during an in-branch visit that I could not schedule payment through an external bank via the BMO Harris online platform .
Problem 3 ) Call center people. They speak poor english and are difficult to understand. Are they either US citizens or based out of the United States? I refuse to provide personal or financial information to foreigners.
Problem 4 ) Contacting me to tell me my payment is late after my payment has been received and processed by your bank. When I call up the day payment is finally posted to my account, your phone rep tells me payment has not been received from my bank. Your phone rep suggests I need to contact my bank for the check number and to submit it via some email address or form yada yada yada -- at that point I stopped listening. A check was submitted, and it is NOT MY JOB to process the payment. Your a bank. Do that yourself. It's kind of like, your whole job, right? Making money off of loans...
Problem 5 ) Please spend more time developing effective and worthwhile service practices and please spend more effort and money training implementing these practices. If you face budget shortfalls, I humbly suggest you stop building giant palaces for your main branches. That place I visited looked like XXXX XXXX.
I'm a XXXX, I work for XXXX months a year XXXX and out of the country. I don't want my financial information sitting in an overflowing mailbox for anybody to come along and steal. Except for this account, I currently receive XXXX ( ZERO ) statements by mail .... for my own personal protection.
After your bank suborned my loan account from XXXX, I struggled just to submit my initial payment to you guys. XXXX, did I try. I made multiple phonecalls, and even visited a BMO Harris branch in person. You people were not helpful. I was told by all your reps that e-mail monthly notifications are not an option and that I had to have a mailed statement. I had trouble setting up my online account ( information wouldn't show ) and your phone people were not helpful ( I already said I don't provide info to foreigners ). I had to visit a branch just to get my online information to show up, which your account rep did apologize for and said that the entire account takeover was messed up and that this issue had happened to many different accounts. It was at this point that I ran into issue ( 2 ). He ( and your phone reps I talked to previously ) said I had to pay in person, mail a paper check, or make a payment directly from a BMO account on the platform. I was expressly told external payments were not an option. I'm just trying to pay a bill, and you guys are refusing my money? Issue ( 3 ) : I ran into this during my many phone conversations.
I've been getting collection phonecalls for the last several weeks, including on the XXXX, XXXX, and XXXX of XXXX. I called you on XX/XX/XXXX, explaining that my bank sent payment, nothing much I could do otherwise, since I'm ON A BOAT IN THE OCEAN.
What in the??? ( please insert expletive ) are you guys doing?
After getting tired of the phonecalls, I called you guys late in the afternoon of XX/XX/XXXX. ( During my working hours, since I'm near the international date line and your business hours coincide with when I'm supposed to be working ).
Your rep told me payment was past due. I told her my bank had confirmed a check was received and cleared by BMO several days ago. Your rep told me I had to submit something ( a check number?? ) to somewhere ( an e-mail address? an online form? ) to prove payment.
XXXX XXXXXXXX? How do you think you can require your customers to process accounts receivables themselves? What the heck is this XXXX.?
I told her I'd look into it later and hung up.
Fast forward to now : I log online to BMO to get my account info, discover that I can, after all, submit external bank payments through your website.
I also discover that you received my check on XX/XX/XXXX, and eventually posted payment to my account on the XXXX.
People, get your XXXX together. Don't tell someone to process their own loans. Don't harass people with phonecalls when the bill has been paid.
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| 08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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BANK OF THE WEST you are furnishing inaccurate information to the consumer reporting agencies.
Account no. is XXXX The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.
You and your inaccurate reporting have damaged my livelihood.
1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact PROHIBITION ; a law or regulation forbidding something As Defined by the IRS Even if you didnt receive a Form 1099-C, you must report canceled debt as gross income on your tax return.
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
By Definition the IRS clearly says a Cancelled or Charge off is income. The reporting of this account as a debt is inaccurate.
You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ inaccurate information immediately.
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
You are hereby put on notice that you are furnishing incorrect inaccurate information The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} dollars or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1.
The above paragraph is taken directly from the IRS 2021 publication.
SEND ME MY FORM 1099-C that you should have sent when you filed the account as a canceled or charged off debt. My address is listed above.
In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information in fact is, inaccurate.
The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, Inaccurate account from my Consumer report. Why would they send me a bill on a charged off account, especially just for a payment and not the whole amount.Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.
In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).
Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law.
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| 02/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Financing agreement with XXXX XXXX XXXX, for an excavator, through Bank Of The West signed XX/XX/XXXX - for a finance amount of {$19000.00}, with 0 % interest for a term of XXXX months. Contract # XXXX commenced on XX/XX/XXXX, with monthly payments in the amount of {$390.00} to begin XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX a total of {$3500.00} was paid on the loan principle { no interest }. The excavator was totaled during XXXX XXXX, and Bank Of The West was notified that an insurance claim would be paying the remaining principle, a XXXX day payoff letter was requested on this day. We were not provided a XXXX day letter, the letter was sent via email on XX/XX/XXXX, with an expiration date of XX/XX/XXXX. This was not seen as an issue with the insurance company as the financed amount carried no interest so the amount would not increase in the event the pay off was made after this expiration date. An insurance check for the amount in total { {$15000.00} } was issued on XX/XX/XXXX to Bank Of The West. This check was posted on XX/XX/XXXX. Between XX/XX/XXXX { Date Bank Of The West was notified of the insurance claim } and XX/XX/XXXX, The automatic payments through Bank Of The West were not canceled and XXXX additional payments of {$390.00} were deducted. It is important to mention that the customer web portal for account management for Bank Of The West was never working properly, as a customer, I was not ever able to view the correct information on payment history, balance, etc. Multiple calls to customer service over the length of the loan and was told on several occasions that their website was being " updated '' but that never happened. I was not able to turn automatic payments off myself. On XX/XX/XXXX, I placed a call to customer service to insist they turn the automatic payments off, issue me a paid in full letter, and refund the XXXX additional payments, and the representative refused. I reached out through email, and was contacted back via email on XX/XX/XXXX, from a customer service representative who stated the automatic payments were now turned off, and the request for the refund had been submitted. I was informed within this email, that I would receive a refund of exactly {$790.00}, I was also instructed to keep checking the website { which never updated } to look for the account to be marked as " paid in full '', and then I was to request the paid in full letter. It bears mentioning that by this time, the account had been paid in, with the overpayments as well, for a total of XXXX days already. On XX/XX/XXXX, the website still showed no update of the full payment, the account showed as open with payments due. I sent another email, and was told to check back in another week. On XX/XX/XXXX, still no update, and another email was sent to customer service. Their response was that their accounting department was a month behind, and they she { customer service representative } would follow up with me when she heard something. On XX/XX/XXXX, no update, another email sent to inquire about the requests. No one responded to this email. On XX/XX/XXXX, I sent another email, after seeing still no update either on the website or response from customer service. In this email, I informed the customer service representative that if I was not responded to within the same day that I would calling my bank to dispute the last XXXX payments, as well filing complaints with various consumer protection agencies. They did respond, however the email response only stated that a refund check in the amount of {$390.00} was issued on the same day and that the account was paid in full. No mention of the second overpayment, or the actual paid in full letter. I responded immediately, reminded the representative that she sent me an email confirmation stating that the refund amount was {$790.00}. I also sent an email to another representative that I had been in contact with in XXXX. Neither representative has responded to date, XX/XX/XXXX. Today, XX/XX/XXXX, I sent a final email to both representatives, informing them of my intent to file this complaint, and demanding they send me a full accounting of all payments they received with a running balance. This was not something I could ever access on their website, nor was I sent any statements via USPS mail. All I have is my own accounting.
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| 08/28/2019 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Banking errors
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Web |
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I signed up for a savings account promotion ( Promo Code XXXX ) that provided if I deposited {$10000.00} for 90 days I would receive a bonus of {$200.00} within 120 days of opening the account. I opened the account on XX/XX/XXXX, set up an external transfer account ( via verification of trial deposits ) and attempted to move the {$10000.00} to the account on XX/XX/XXXX. However, even though my external account was verified, there was no way to transfer the funds to my savings account ; the funds could only be transferred to a checking account.
I called customer service and they said that I was unable to transfer funds directly to a savings account because of the limit on withdrawals ( this made no sense to me since I was transferring money into the account not transferring it out ). Regardless, the agent I spoke to ( XXXX XXXX, direct line : XXXX, NMLS XXXX ), said that I could transfer the funds to my checking account first then transfer them to my savings account and it would still constitute new money for the purpose of the promotional bonus. I did this in two transactions of {$5000.00} each into the checking account ( which were completed on XX/XX/XXXX and XX/XX/XXXX, respectively ), since there was a {$5000.00} limit in transferring the money into my checking account at that time. I then transferred the full {$10000.00} into my checking account on XX/XX/XXXX.
120 days after the account was opened on XX/XX/XXXX, was XX/XX/XXXX, which was a Saturday. I called the general customer service line for the bank on Monday, XX/XX/XXXX at XXXX XXXX Central Standard Time ( " CST '' ) and was told that promotional bonus distributions are made on Tuesdays. When the bonus was not deposited on Tuesday, XX/XX/XXXX, I called back on Wednesday, XX/XX/XXXX at XXXX XXXX CST and was told that I would not receive the bonus because the funds came into the savings account from the checking account.
At this point, I called XXXX XXXX directly on Wednesday, XX/XX/XXXX at XXXX XXXX CST, left a message, and actually spoke to XXXX at XXXX XXXX CST that morning. XXXX told me that I should receive the bonus as the funds did constitute new money. He escalated the case to his manager that day ( record number XXXX ).
I have called several times over the past two weeks and there has been no further development. I called and left messages for XXXX on Monday, XX/XX/XXXX, at XXXX XXXX CST, Tuesday, XX/XX/XXXX, at XXXX XXXX CST, and Wednesday, XX/XX/XXXX at XXXX XXXX CST. After it was clear that XXXX was no longer responding, I spoke to XXXX XXXX ( NMLS XXXX ) on Thursday, XX/XX/XXXX at XXXX XXXX CST and she told me that the escalation team had approved the promotional bonus and would be deposited by today, Wednesday, XX/XX/XXXX.
When I did not receive the bonus, I called back in to check on the status at XXXX XXXX CST today, Wednesday, XX/XX/XXXX. I was transferred to customer service, and spoke with an agent ( " XXXX XXXX '' ) who told me that the reason my case was escalated was because the {$10000.00} was not deposited on the day my account was opened ( this is not a requirement in the terms of the promotion and the online account application offers two funding options : by check and by transferring funds from a bank account ). XXXX told me that the escalation had not been approved and there have been no further developments despite my multiple calls and attempts to move this along over the past two weeks. XXXX and I reviewed the terms of the promotion and she agreed that I had met the requirements and did not understand why the case had to be escalated. I left a message for XXXX, since what XXXX told me directly contradicts what she told me last week, but have not heard back yet and frankly, do not expect to hear back given how I have been treated so far.
I also spoke to XXXX XXXX supervisor ( " XXXX '' who would not give any identifying information other than that she was the only XXXX in the two contact centers the bank has in Illinois ). She confirmed the information XXXX provided and said there was nothing for me to do at this point but wait for the escalation to be approved.
Just the calls this morning took up over an hour of my time. I am extremely frustrated and disappointed in the bank 's lack of consistent responses and failure to adhere to the terms of their promotion.
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| 08/16/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/XXXX I noticed SEVERAL unauthorized transactions in my banking account. Some went thru ; others were pending : Posted to the account : - {$51.00} on XXXX XXXX XXXX - {$110.00} on XXXX XXXX Pending to the account : - {$36.00} on XXXX XXXX XXXX - {$130.00} on XXXX XXXX XXXX XXXX {$57.00} on XXXX XXXX XXXX Since then, the 'pending transactions have now posted to my account ; bring the total amount of charges to {$290.00}. With an additional pending of {$51.00} [ XXXX XXXX ] that keeps having a date change. I have since stopped all direct deposits into that account ; and moved the remaining money out of the account to protect myself from future funds being taken out against my authorization.
When this occurred, I immediately reached out to BMO Harris via XXXX and got caught in a phone tree that took me over 10 minutes to reach a person. I was then told that I had to go into a branch office to dispute and file a report. The branch office nearest me didn't open until XXXX CST ; so, I had to wait until they opened to file a report and get this taken care of.
Once there, while filing a report ; I was told that it would take 7-10 days to investigate and that they were canceled my debit card [ as transactions were posted using my debit card ] ; and issued a new one. My debit card was in my possession the entire time. The card was canceled ; and I was given a new one. A complaint was filed ; and I was told that should there be any more pending transactions ; that I could call in the dispute and add it to my claim. During this process, I was also 'sold ' a credit card. That is the last thing on my mind at that point to open a credit card.
Since then, the pending transactions on XX/XX/XXXX were posted to my account ; and there is another pending transaction that keeps having a date change. I called the number on XX/XX/XXXX and was told that I would have to go into a branch to report ; that they couldn't add it to my claim on the phone. I was also told that the card ; which was supposed to be canceled effective XX/XX/XXXX ; actually, wasnt canceled until XX/XX/XXXX ; a full DAY after I had requested it be canceled.
I repeatedly asked to be connected to a fraud department and I was told that there was no way to do so. That there is a process, and I must wait for them to reach out to me ; that there is no way to speak to someone about my case. I was repeatedly told I would have to go into a branch to report this additional pending claim which is the opposite of what I was told when there in person the day before. I then tried calling my BMO branch and requested to speak with a manager. I was either disconnected or hung up on.
At that point ; I opted to send an email to the banker that I opened my account with ; as I also had a question about when I would receive the bonus for opening an account with them having a certain amount of direct deposits in 90 days. I had asked this in person ; and was told I had to talk to the person that opened my account as they couldnt answer that for me. This email was on XX/XX/XXXX and I have yet to receive a response either phone call or email.
I shouldnt be surprised as opening an account was a complete joke ; as well as making sure I get correct debit cards. I also have a join account ; and wanted to make sure that one account debit card would have my First and Last Name and the other account would have my First Name, Middle Initial and Last Name ; so that I would have a way to differentiate between the two accounts. Imagine my surprise when I received one card that had my first name and middle initial. That doesnt work. It took quite some time to get straightened out.
The BMO Harris phone number is a complete joke to be able to have your questions or concerns addressed. There has been zero contact or follow up from my initial claim ; and it appears that if I want to add notes or make changes ; I must go into a banking branch to deal with this. Which places no faith in the system ; because it has been such a mess to begin with.
To say that I am unhappy customer ; and feel that this process shouldnt be this difficult is an understatement. I do not feel protected as a customer and feel that I am just throwing things to see what sticks to fix the current situation.
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| 09/02/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Starting in XXXX, I started working for an individual doing car work. My duties included purchasing parts and other items and travelling to different places to fix cars. They were paying me with checks that look just like paychecks I have gotten from any other employer. Much of the funds were paid as reimbursement for items that I had purchased. I deposited the first check into XXXX XXXX and withdrew the funds. The second check I deposited and XXXX froze my account so they could conduct an investigation into the validity of the checks. The account was frozen for 30 days, after which, they released the funds from the check and unfroze the account. I continued to do work for this individual and deposit my checks into XXXX as I was confident in their validity since XXXX had conducted their investigation. When I deposited a check and the funds were available, I withdrew them as this was the second time XXXX froze my account ; the first time was due to an insurance check that was valid and put me in a position of financial hardship, so I did not trust them to hold the funds in their account but they were the only method I had to deposit checks. In addition to this, I usually needed the funds to purchase more parts to complete my future jobs. I did receive the first few checks back as returned, XXXX sent me a letter saying the reason was " Invalid MICR line ''. I was not sure what this meant so I went to the local branch and asked. They told me it had to do with the numbers on the bottom of the check not being in the correct place as they have to be a very specific distance from the edge and bottom of the check. At that time I called the individual I was working for and told them what was happening. They called me back at a later time and told me that the issue had been fixed and all checks going forward would have the correction on them and they would re-issue those payments. In late XXXX, suddenly the checks all started being returned and the funds removed from my account. This caused the balance to go severely negative and caused several deposits of mine to essentially be taken by XXXX. When I contacted the individual I was working for, he hung up on me and not too long later his phone number stopped working. It appears that I was defrauded of time and money. I spoke to XXXX a fraud analyst with XXXX, and he treated me like I was an XXXX for not realizing that there was an issue earlier. I don't know why, as I am not in banking and I do not have much knowledge of all of that stuff. I asked him what the investigation that froze my account was for again, and he said it was to look into the validity of the checks, and he made sure to tell me that they did their due diligence and I was responsible. I spoke to an attorney to get advice after which I contacted the bank the checks were written on and they advised me that they are an online bank that DOES NOT allow account holders to write checks whatsoever. If XXXX was looking into the validity of the checks, they clearly did not make any attempt to contact XXXX BANK ( paying bank ) to see if the checks were valid, as they would of been told the same thing. Additionally, when I first started making these deposits I did so in person and not a single teller said anything. It has come to my attention recently that these employees have a good knowledge of the banking system and should of been able to tell that the bank was an online bank. This also goes for the fraud team that " investigated '' the checks. I can not recall the regulation, but there is a regulation that states that banks must take reasonable measures to protect themselves AND account holders from scams/fraud. XXXX claimed to have conducted an investigation that took 30 days to verify the validity of the checks, if they would of actually done their due diligence, this would not have continued and resulted in such severe losses. Additionally, I made several attempts to get XXXX to remove my information from XXXX, as they have my phone number and email attached to XXXX through their system and it has caused a {$990.00} payment to automatically be deposited. I have also sent a certified letter and spoke to the fraud analyst requesting this. They have no complied and my information is still attached.
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| 01/24/2024 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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There are 2 issues One I called in XX/XX/XXXX and asked for a payment deferment of one month, they said they could only do a payment reduction, so I was to pay {$310.00} for XX/XX/XXXX. I paid {$320.00} then in XXXX I paid {$640.00} and after that payment I received a letter from BMO Harris Bank stating I was approved for a 3 month reduction and then in XXXX I paid {$360.00} +/- I can not remember that amount, then in XXXX their website showed I currently owed {$0.00}, and my next payment due was XX/XX/XXXX. I thought since I overpaid the reduction that is why it showed {$0.00} owed. I received a letter on XX/XX/XXXX that I owed {$510.00} in late fees. also now my account showed me past due {$290.00} something dollars on my account. I called the number listed which took me to the collection dept and I s/w someone on XX/XX/XXXX and she said all I owed was {$290.00} something so I paid {$300.00} that day. Then she transferred me to the payment dispute dept about the late fees on XX/XX/XXXX I s/w XXXX and she said that those fees are from the payment reduction plan and I should not owe those and she would take care if them. The next week I received another letter from BMO, so I called to make sure " it was taken care of '', I called on XX/XX/XXXXXXXX s/w XXXX she said at first, she could not see where I s/w XXXX, but then after searching she found the rep I s/w and that there was a recorded call of my conversation. XXXX also said those fees were from the payment reduction plan. I said if you all approved me to have reduced payments why are you charging me fees? She agreed and said she needed to s/w a supervisor about waiving fees, she put me on hold and after speaking with a supervisor she said the person she spoke with was only authorized to waive so much and she would waive half, but XXXX felt I should not be responsible so she was going to submit a request for all to be waiver and would know in 48 hours. she said she was off Wed and would call me Thursday XX/XX/XXXX, I asked for her extension, but she said she would call me " she always calls her customers back ''. She never called so I called XX/XX/XXXX s/w XXXX and she said my fees are a combination of the reduction and my paying my payment late. I told her I don't pay my payment late ( This is the second issue ) on the BMO Harris web site I go in on my XXXX day of my grace period ... payment it due on the XXXX and I pay on the XXXX, I log on to their website on the last day of the grace, but their system adds an extra 2-3 days to process. When I look back in their system about payments it looks like they were paid late, but I pay on time, they process late, and there is no way to change the date they decide to process on their website. I feel they do this on purpose to scam and get late fees out of people. I went on BMO Harris web site today to make my payment... mind you last month I only had to pay {$290.00} something verified by the collections dept on XX/XX/XXXX which I paid {$300.00} XX/XX/XXXX, now it said I owed {$1400.00} which I pay {$630.00} was reg payment the rest I have no idea???? I called today to BMO s/w XXXX to ask about the late fees of my original issue and now why am I being charged all this money for my monthly payment? She put me on hold said she had to s/w someone in the payment reduction dept, then she came back online and told me she was waiting to hear from someone, then I asked another question and she said even though I pay on the XXXX day of my grace period I am being changed 0.3 % daily after the XXXX ( when my payment is due ) I said I have never been told that before and have had several loans over my lifetime. she then said she was going to try the collections dept ( now a different dept than before ) she had me on hold then she never came on the line she put me in a cue and it was to a dept that was not open, she had my phone number and never called me. I told her I wanted to get taken care of today. I paid {$1500.00} today. My fear that is not the late fees either. I need help with these late fees I pay my payment on the last day of the grace, but they take 2-3 days to process. Also I should not being charged late fees during the 3 month reduction since they approved this plan.
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| 02/24/2021 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Deposits and withdrawals
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Web |
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BMO Harris Bank did not inform the two female beneficiaries of their rights to a private family education trust for 30 years. Under Minnesota Trust law and Universal trust law, all beneficiaries must be informed upon maturity of their rights to such accounts. The female beneficiaries were told by the elder male beneficiary that this account was empty and/or falsely, that the education/health restricted trust was his personal retirement account. The trust documents and other supporting statements by the person who established the trust clearly indicate that its primary intention was children 's education or major/irregular health or childcare expenses. The elder male beneficiary lives in the area of XXXX Wisconsin and leveraged his friendly local relationship with male branch employees to improperly influence the administration of the trust for his personal benefit.
He began making withdrawals when his XXXX XXXX moved in and convinced him to buy more XXXX and use if for non-educational expenses. During this time, the female beneficiary, a XXXX widow with a small child, was struggling as a single mom to repay XXXX XXXX XXXX, the huge medical debts from her late husband 's XXXX and still rebuilding after XXXX FEMA disasters. During this time she had no access to these funds or cooperation from family - who financially exploited her whenever she needed emergency childcare. It was XXXX when XXXX in the XXXX branch informed the woman of these funds left in XXXX to her by her grandfather, a professor who became a famous politician. With XXXX 's encouragement, she submitted a documentation of major PAST education and health and childcare expenses that met the criteria for withdrawals - and for which she still had debts. She asked that a son 's CURRENT emergency tuition request be approved asap. XXXX indicated the purposes were proper and in accordance with the trust terms. The beneficiary also consulted two attorneys to confirm that she had the rights to these funds. After submitting the request, the branch started creating irregular delays and waited over a month to schedule a meeting on election day. The selection of the date was transparently politically motivated. Specifically, it was Wisconsin red state male bankers were making a point to further their authority over a trust ceated by a famously liberal blue state politician. It was furthermore retaliation because the female beneficiary sent scholarly articles about gender discrimination issues in private trusts to BMO management. These branch men held the meeting behind closed doors ( irregular ) and denied all request & all purposes including her ten year old 's emergency tuition request without any explanation. When questioned why they approved withdrawals for the elderly male 's XXXX and girlfriend they moved aggressively to disband the trust. Although they had managed for decades at the same stable, modest balance -- -they suddenly claimed it was " too small '' for them anyway and wanted to dissolve it in favor of the elderly male, despite his misuse of it and lack of need. 3 weeks before, when the woman protested bmos high fees and over-risky investment strategy for a conservative-purpose, modest sized trust -- they were adamant that they had to manage the trust this way according to unspecified fiduciary guidelines. They said it could not be amended or dissolved with her elderly retires beneficiary potentially needing it for healthcare -- despite her arguement that he had adequate personal wealth and excellent lifelong health benefits. This is clearly a case of trust abuse via gender-bias, political-motivation and discriminatory branch practices/lack of neutral oversight. Furthermore, XXXX 's misdirection and lack of discretion, created a huge rift between family members who were not privy to the trust terms or issues of it being misused. The female beneficiary has since been harassed. The other beneficiaries emotionally abandoned the widow 's young son to retaliate for highlighting thes issues. BMO, sought to take further advantage of the woman 's out of state location during covid by moving aggressively with an attorney to dissolve the trust before a complete investigation or inquiry could be initiated.
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| 12/27/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Money was not available when promised
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Web |
Older American |
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I purchased two 13 mos. CDs at BMO Bank that matured XX/XX/XXXX and XX/XX/XXXX. These accounts were initially funded via ACH from my bank to BMO.
When the first CD matured on XX/XX/XXXX, I chose to close the CD account and move the funds to my local bank. The only option given me was for BMO to close the account and mail me a certified check for over XXXX. BMO insisted that I had no other option except go to a local BMO bank and get a certified check. I live in Tennessee and there are no local BMO banks. After much heated discussion, I agreed that BMO should just mail me the check. I complained that BMO 's procedure was archaic and that my check was at risk being sent via U.S. mail not to mention opportunity costs associated with waiting for the funds. Nonetheless, they closed the account and told me my check would be mailed " XXXX '' business days.
On XX/XX/XXXX after the second CD matured, I learned that I could open a regular checking account at BMO and transfer the funds from the closed CD account, which I did. I then had the option to set up an external bank transfer with that checking account. I completed the information, and today I confirmed the small $ funds that BMO sent to my bank so I was ready to transfer my money from the checking account at BMO into my local bank here in Tennessee.
When I initiated the transfer, I got a message that my request exceeded my limit. The limits stated that I could only transfer $ XXXX a day and $ XXXX per month. This meant that it would take until XX/XX/XXXX for me to transfer all of my money out of BMO Bank.
I challenged the limits and a very nice customer service agent XXXX, sought to get the limits increased. After holding, she came on the line and told me that the most she could get approved was $ XXXX, for today and then tomorrow, I could transfer the balance.
I tried the $ XXXX transfer but only to get the same " exceeds limit '' message. Finally she advised me that I could wire transfer the funds from BMO to my Tennessee bank to which I agreed although I was aware of the fees associated with such transfer.
BMO wire department sent me a wire transfer agreement to sign and informed me that I was required to mail the contract via U.S. Mail and wait for someone at BMO to contact me once it was approved. Meanwhile BMO still has use of my money.
I insisted on speaking with someone who could raise my transfer limit because I did not and still do not agree that BMO simply can not provide me with my own money. Agent " XXXX '' came on the line and told me that was just how the banking industry worked. I told him that I had been buying CDs for over 2 years and currently had money in 5 other banks and never had I experienced anything close to the poor customer service being provided by BMO bank. He informed me that my only option was for him to close the account and mail me a certified check. I finally reluctantly agreed. As he was closing the checking account he commented that I had just opened the account yesterday. I told him that was my only option to get the money out of the CD account so that I could sweep the CD funds into an account so that I could set up external transfer. He told me that he would document my issue and request a waiver of the fees associated with closing the account early. So now I don't know if i will have to pay a fee for closing an account that I opened yesterday for naught.
Now I have two checks totaling well over $ XXXX that BMO is mailing me via U.S. Postal Service.
In the meantime, I had researched and made arrangements to move the funds to another banking institution with a higher CD option. Now I don't have my funding $ XXXX and have no idea if the CD offer will be any good once the money comes via U.S. mail.
I have utilized internet banking for over two years and have never come across such an archaic process as I have with BMO Bank. BMO bank had absolutely no problem receiving my initial investments which I sent to them via ACH. But boy did the tide turn when my CDs matured.
I am currently suffering from revenue loss on $ XXXX due to the backward, outdated processes of BMO bank. When I get my money, I will never again invest in BMO bank 's online options.
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| 03/17/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I bought this house in XX/XX/XXXX, it was at the peak of the housing bubble. When it collapsed, my house purchased for {$310000.00} was worth {$210000.00}. I signed the documents, I take responsibility. I took a pay cut at work and couldn't afford the house. I almost lost it. I got behind. I was saddened when many neighbors got help thru HARP and principle reductions thru their lender, and homes around mine sold in foreclosure which dramatically reduced the price of comparable homes. The values of homes in this area of XXXX XXXX IL. have yet to recover fully. BMO is not a U.S. Bank and therefore didn't qualify for any assistance being offered thru FHA or HARP. I begged for help but it fell on deaf ears at BMO Harris. I took my plea to the United States Comptroller of the Currencies, and complained that BMO Harris wasn't willing to do anything to help me avoid foreclosure. I was contacted by the VP of BMO Harris who offered to help. Her " help '' was a 40yr mortgage with andjustable rate. I was XXXX old at the time which would make the pay off date beyond the normal life span of a male in the US. The VP of BMO I spoke to as well as the loan person said that if the rate increased in the future, I could refinance it and they " would gladly work with me again if necessary ''. I had no choice but to sign it or have my credit further ruined as they threatened to take my home. They lied and their lies amount to deceptive mortgage practices. The rate has now increased by {$160.00} a month ( effective XXXX ) and I filled out their extensive paperwork asking for the adjustable rate to be converted to a fixed rate. I received a denial letter and I spoke to XXXX who told me my income was sufficient to pay more. They refused to help. This amounts to a lie on the part of the lender and it's employees which i believe was intentional to deceive me and get me to continue to pay a mortgage that the lender clearly knows will never be paid off in my lifetime and most likely would result in foreclosure and their taking the home back in the future. The bank told me to try and get conventional refinancing at another place which they also know can not be done because the current value is approx {$260000.00} and the amount I owe is more than that. I asked the bank to refi the loan without the formality of the appraisal. They refused this option as well. Banks that loan in the USA should be required to live up to the laws of the United States and that includes the benefits that other banks with FHA backed loans extended to their customers with HARP refi and other government assistance.
I really can not afford another penny. Although the bank says I can. I owe a considerable debt on a XXXX ( {$23000.00} ) and recently lost my renter due the basement of the house flooding. The flood cost me approx {$1200.00}.
The bank made it clear to me that the 40yr mortgage, which they used strong arm tactics to get me to sign while threatening to take the home I had already paid over {$40000.00} into, could and would be modified again if/when the rate began to rise. Now they will not make it a fixed rate and will not refinance it without an appraisal which they know will not work either because the amount I owe is more than the current value. The bank made it seem like they were working with underwater lenders to avoid additional government oversite during the housing bubble but their assistance to those customers amounted to lies. Again, I believe this amounts to deceptive loan practices and this bank should be forced to either : a ) change the adjustable rate i've been on the last year to a fixed rate allowing me to continue to pay and stay in the property b ) return all money that I have so far paid into this deceptive loan and I'll vacate the property in 90 days.
Another reason I believe their practices are deceptive is that on XX/XX/XXXX I spoke to XXXX XXXX of the BMO loss mitigation department by phone. I asked her about the Dispute and Appeal process. XXXX advised me ( despite what the letter she sent me states ) that there is no point in appeal because although a new underwriter would look at my appeal, the same manager would receive my packet and would again deny my request.
|
| 11/01/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Closing an account
- Funds not received from closed account
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Web |
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I closed the account on XX/XX/2023 which contained {$20000.00}. I did this via the chat box on BMO online service. When I did this, I was asked to verify the address on the account. After I verified it, I sent a message and asked the cashiers check to be sent to my new address as I had recently moved. The chat box said the check was already issued to the previous address, but they would change it. I asked if I could call back to ensure that it was sent to the correct address, and they said to call back in a couple of days.
I called on XX/XX/2023 and was told to wait a few more days because the check had to be processed in order for them to see where the check was going.
I called again XX/XX/2023 and was told that the check was sent to the correct, updated address. I was told it would arrive in XXXX business days.
I called again XX/XX/2023 and was told that they weren't sure where the check was but to wait a few days to see if it arrives.
I called again XX/XX/2023 as the check still hadn't arrived. I was told that an account executive would call in XXXX business days. I explained that the check was very late and I needed the money due to a recent lay off and I would be moving across the country in a week.
I called again XX/XX/2023 to see if I could get more information on what happened to the check. They notified me that they weren't able to tell me any more information, but tried to find out more. I was told that the check was actually sent to the wrong address and I would have to wait for the account executive to call to fix it.
I called again XX/XX/2023 as I still hadn't received a call back. After reviewing my entire call history and explaining that I'd spent hours on the phone trying to get this resolved, the lady on the phone said she would check that the check hadn't been cashed, cancel the check, and issue a new check to the correct address. I asked if the check could be expedited as I would be moving by XX/XX/XXXX, but she said it would only take XXXX business days. I was told that if I don't receive the check by Wednesday, to call back and ask for her directly.
I called on Wednesday, XX/XX/2023 and was told that they didn't have any information on the check. I was adamant on getting the issue cleared up due to leaving the state on XX/XX/2023. I was told that only the account executive could give me the information and they would call in 1-3 business days- explained I would not be in the state at that point. After an hour on the phone and asking to speak with a supervisor, I was transferred to a solution specialist. They assured me that the account executive would call around XXXX XXXX as that is when their work day starts. At XXXX XXXX, I still hadn't received a call and called back in to get information on my check. After XXXX hours on the phone with a solution specialist, I was not able to get any additional information on the check ( where it was sent, when I should receive it, why I hadn't received it, if it was ever sent at all ). I was told I would receive a call ( again ) from the account executive in XXXX business days, and that the solution specialist would call me herself by the end of the day by XXXXXXXX XXXX I asked to speak to a manager but the managers were in a meeting untXXXX XXXX XXXX. I was also told that no one else would be available to help me.
On this same day, I also called the physical branch that I was assigned to. I was told that the account executive wouldn't be able to help me with my issue as all of the banking had been done online. The online customer service team would have to handle it.
I still haven't received a call from an account executive, and I have no idea where my money is despite being told where the check had been sent to previously. It has now been 1 month since I closed my CD account and I still don't have my {$19000.00} and I have no idea where the money located.
I also had all of my mail forwarded to my new address, so even if they had sent it to the old address, I should have received it at my new one. I get notifications from USPS that tells me what mail is forwarded, and I didn't receive a notification showing me that the cashiers check was being received at my address.
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| 06/16/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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I am the XXXX to my Sisters Estate. I discovered that XXXX had a Checking Account with Bank of the West in XXXX XXXX, CA. XXXX also had an IRA with that XXXX XXXX XXXX of the Bank. I contacted the bank branch and I was told that somebody walked in with a Death Certificate and closed out both Accounts. When I questioned who that person was, the bank would not release any information to me. They asked for proper Identification from me before they would give any more information.
I immediately faxed those documents to them including a Death Certificate for XXXX, My " Letters of Special Administrator '', A Small Estate Affidavit and a Copy of my NV Driver 's License. When I called back to XXXX a second time she still would not tell me anything. She said, " Somebody came in with a Death Certificate and that they closed out the Accounts. She was listed on the Death Cert so she is the Beneficiary. ". When I argued that point she stopped talking all together. I explained to the bank that IF there IS a Beneficiary for the accounts that is fine. It is the Law. BUT, I need verification of that. I can not just say OK. They can't account for the money, they can't provide documentation of a Beneficiary and they refuse to answer my inquiries. I have since taken this farther up the ladder to the Bank XXXXs Headquarters in SF, CA. I gave them a two week window to complete an investigation to account for the missing funds and that I be notified of those results. I have emailed the Chief CEO since then also.
( I believe it was the CEO ) My Mother passed away prior to XXXX and XXXX was XXXX of Moms beneficiaries. In addition to her Residence, my Mother also had an IRA with XXXX Bank in XXXX, OR. for the amount of $ XXXX and Mom had Beneficiaries listed on the IRA XXXX so it was easily distributed because the Courts were not necessary in this matter. I sent my XXXX her allotment of {$11000.00}. That check was signed and deposited XXXX hours before my XXXX 's death. XXXX was in ICU and then transferred to XXXX prior to her passing. She was not at the bank the day that check was deposited. She did not endorse the check on her deathbed. When I questioned the Bank and requested they compare signatures with the one they have on file they wouldn't. They did not and will not. The bank 's latest reply has been that the Accounts are closed and gone. There is nothing they can do about it now. I questioned them about a XXXX Department or XXXX without getting any reasonable response from them. When I questioned the signature on the {$11000.00} Cashier 's Check the bank 's reply was that they don't require ID, or require checks be Endorsed unless it is a Tax Return or a Government Issued check. WHAT??? No ID required? No Signature required? Something is NOT right here. There is a sizable amount of money that is unspoken for. My job as the XXXX is to Collect, Protect, Liquidate and Distribute the XXXX. I can not account for whatever my XXXX had in this Banking XXXX. I have demanded answers on this garbage.
I know who the suspected fake " XXXX '' is. XXXX XXXX XXXX ) XXXX. Our Family has known her most of our lives. She is a friend and roommate to my Sister and nothing more. She is not part of our Family and as far as I know should not have any authority to close out bank accounts that were not hers. The bank can not prove any different information. Regardless, nobody is willing to provide documents to settle this problem.
The Bank has since called on XXXX and verified that XXXX did not have a beneficiary on her accounts and that XXXX was indeed the person who presented a death certificate and a sworn Affidavit claiming to be the legal beneficiary and the bank released the cash to her with that alone.
XXXX knows she has no right to the money my XXXX had in her accounts and has stated so to a mutual friend. XXXX claims that I deserve the money but she is going to fight me until the money 's gone.
I am the only remaining survivor to my XXXX and those funds are to be placed in a XXXX Account until the Courts, and myself as XXXX, distribute them as per Law.
Thank you, XXXX XXXX XXXX
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| 11/20/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
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I started doing paper routes at the age of XXXX and for quite a few years I put my paper route money into what is known in XXXX as a building society. I have always been incredibly careful with money.
I was brought up and taught to save for rainy days, and I have always paid bills on time. My credit score is XXXX. I pay every bill online the day I receive them. I pay my credit card bills the day I use the card. My utilities are the same too. That is me, it is the way I have always been.
Any bank account that I opened in countries all over the world, from XXXX XXXX, XXXX, XXXX to the XXXX XXXX XXXX in XXXX, I have certainly made it top priority from day one of opening any account to fully understand what the minimum amount is needed, to avoid any future fees. I do not go under the penalty amount.
I have never been in debt in my life, my rent for years was paid 4 months in advance due to being a school bus driver, without pay during the summer ; by doing this I do not have the eventual financial worry.
I opened an account with XXXX XXXX XXXX XXXX many years ago and I have always been a good customer, from what I can see. My accounts are POD so that if anything ever happens to me the money, as little as it is, goes to my son.
By chance I just so happened to deposit a check into this bank ( now known as BMO Harris ) on the afternoon of Saturday XXXX. While sitting in front of a personal banker, XXXX XXXX, a lady whom I have known for many years ( and from a different bank ), it was brought to my attention that {$12.00} had been withdrawn from my checking account for quite some time. I had absolutely no knowledge of this whatsoever.
This came as an absolute shock to me because I have never had money taken out of any accounts, in any countries and from any banking institution in my whole life. I was angry and upset that the bank was closing and nothing could be done right then.
XXXX asked me Do I not check my statements to which I replied I have no reason to. This is not my primary account ; the money in BMO Harris is really for my son when I pass. I do not withdraw any money from my accounts here, so what reason would I have to look at my statements. I do have a BMO Harris credit card, which I use once in a while, and as stated above it is paid via my primary banking account that very day, which takes a day or two to process.
I now understand, as of this evening, that BMO Harris bank changed my checking account so that the minimum which was {$1000.00}, and had been for years and years and years, had changed to a minimum of {$1500.00}.
As already stated, I had absolutely no knowledge of this. If it was disclosed in my online banking app I would not have known as I do not check it, I have no reason to.
I would have thought that if such a drastic change was about to take place a letter would have been sent to customers with a green fluorescent background to it, with huge letters stating As of a certain date, if you do not have {$1500.00} in your checking accounts, then {$12.00} will be taken out every month. Believe me, this would have got my attention IMMEDIATELY and I would have acted upon it that very day.
As any banking institution that I belong, or have belonged to, will tell you or any landlord/landlady whom Ive paid rent to since XXXX, I have always paid my bills early and of course on time. I was brought up with morals, standards and principles.
I work very hard for the little money that I do get, and to have what I believe to be {$120.00} taken out of my account, when all I have done is simply banked with you for many years, I feel is very, very unfair.
So, as a loyal customer of BMO Harris bank for a long time, who has never had any kind of overdraft or any other fee attached to any of my accounts, or has never borrowed any money from your bank, I am merely asking would you mind reversing these fees that you have taken out ; to which I had no knowledge of to begin with. I have no problem putting more money into my checking account to equal the amount that is needed to avoid any future fees.
Thanking you XXXX XXXX
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| 09/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
Servicemember |
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BMO Harris Bank continues to report charge off on original HELOC loan {$52000.00} dated XX/XX/XXXX. They are false reporting this charge off under account XXXX which was charged off on XX/XX/XXXX under the old account number of XXXX.
The New subserver named XXXX XXXX XXXX XXXX XXXX XXXX, took over all loans by BMO Harris bank and has changed the original account number of XXXX to XXXX.
This original loan first went in default on XX/XX/XXXX. BMO Harris Bank executed XXXX XXXX XXXX XXXX attorneys to accelerate the defaulted note. The charge off was reported and has been reported on Credit Bureau reports over 10 years using various account numbers, dates, and amounts.
It has been almost a year now, and We have asked multiple times through our Arizona Attorney General for BMO Harris Bank N.A . and/or their sub server of XXXX/BMO Harris Bank N.A. to remove it and they still have not. They claim they have sent paperwork however none has ever been received by XXXX. With this day and age of online uploading from bank recovery department to credit reporting bureaus is possible. I believe they have the ability to remove this muddled charge off as fast as a flip of a switch. They can also send electronic emails to have this done but nothing has been received by XXXX. I have constantly reached out weekly to the recovery department via email and they still do not remove it. In fact they usually verify to XXXX that this new charge off is accurate reporting on the credit reports. I don't see how you can report a charge off on an old charge off creating a new account number and different numbers and dates of past due, etc.
We were told by their recovery personnel on XX/XX/XXXX, XXXX XXXX that he has the ability to remove and add information to credit bureaus to show lates and/or charge offs.
They have claimed they have sent paperwork to XXXX on XX/XX/XXXX per the Default litigation department letter dated XX/XX/XXXX, however I have verified with Dhin of XXXX, XX/XX/XXXX, via phone reference number XXXX. XXXX claims to this date that they have not received any paperwork from BMO Harris Bank, N.A., and or there Sub server of XXXX to remove this re-aged muddled charge off of over 10 years.
We ( XXXX and XXXX XXXX XXXX have been victims of this malicious act that by their recovery personnel. For example, XXXX of BMO Harris Bank recovery department stated over the phone that they will continue to report us to credit bureaus as long as the charge off was not paid in full. XXXX of BMO Harris Bank said this on XXXX XXXX, XXXX. This was already past the seven years of them reporting us illegally.
We have tried over 10 years to negotiate however they continue to refuse to take any of our fair settlement offers.
After the charge off we made additional payments monthly on-time in the local bank branch via bank statements they sent to us, not knowing that the loan was every charged off. Our monthly payments have totaled since the XX/XX/XXXX charge off of {$17000.00}. We have never received any information about this loan as a charge off since it was charged off. The bank statements never reflected this was a charge off or to collect a debt.
They are requesting a payoff of {$52000.00} more than the original balance even though we stopped making payments in XX/XX/XXXX. This Deed of Trust is attached to our home and they have not applied any of our payments correctly. They are charging an absorbent amount of interest, fees, etc, after the charge off which is not in compliant with Arizona laws.
Because of their malicious acts of unfair practices by not complying to the Fair Debt Collection Practices Act and they have made it extremely difficult for us to recover our financial status which in-turn would help to settle this debt quickly.
This has been an ongoing fight with them for almost a year and 10 years reporting on the Credit Bureau reports. We feel that they should indeed be penalized for their conscience acts to hurt us. We also feel if there is any way we can have some financial restitution we would appreciate it.
|
| 08/24/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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THIS IS NOT A DUPLICATE COMPLAINT. I AM FILING THIS COMPLAINT FOR MYSELF AND NOT FOR ANY OTHER PARTY.
In XXXX of XXXX BMO Harris bank, hereafter, " Harris '' indicated that they were due and owing monies and fees, in excess of XXXX, without explanation, itemization or accounting. Beginning on XX/XX/XXXX on a monthly and consecutive basis, Harris was contacted by phone and letter asking them to provide an accounting and itemize the monies allegedly owed. ( Exhibit A ) To date, the information requested has not been provided.
However, in XXXX of XXXX, Harris indicated by letter that to date they had failed to provide periodic statements of the account. They further provided a check to make restitution for their failure to provide a statement of accounting, as required. Additionally, they reported this corrected information to the IRS, as well as, indicating that they were waiving fees as result of this failure. ( Exhibit B ) Harris subsequently retained a law firm. The firm sent a letter dated XX/XX/XXXX indicating that they were trying to collect a debt etc ... pursuant to the fair debt Collection Practices Act ( 15 USC 1692 ). Based upon the XX/XX/XXXX letter the debt had exponentially grown from in excess of XXXX to be in excess of XXXX, again, without explanation, itemization or accounting. ( Exhibit C ). Within twenty-six ( 26 ) days, of the letter dated XX/XX/XXXX, on XX/XX/XXXX, Harris filed a Mortgage foreclosure case- XXXX. Further, Harris failed to attach an accounting of the debt to the lawsuit, as required to properly support the motion. Additionally, Harris filed the lawsuit, in violation of the Fair Debt Collection Practices Act, prior to the close of the thirty- ( 30 ) day period allowed to contest. ( Exhibit D ). The debt was contested, on XX/XX/XXXX, within thirty- ( 30 ) days of receipt of the letter by certified mail. ( Exhibit E ) To date, Harris has failed to provide verification of the debt, as well as, the requested itemization and accounting.
Further to date, Harris continues to be dereliction of its duty in not providing an accounting pursuant to the Real Estate Settlement Procedures Act and the Truth in Lending Act. ( Exhibit F ) Additionally, there is a question as to Harris various characterizations to this being a mortgage or a home equity line, as Harris as interchangeably used these variations throughout this discourse for tactical advantages. Harris ' fraudulent actions, attempts to unlawfully enrich themselves by alleging monies are due and owing to them without accounting, itemization or authentication, and unfair debt collection practices was a pretext to foreclosure and has caused me great irreparable harms.
Further, on an ongoing and regular basis prior to XX/XX/XXXX, Harris has been reporting to the credit bureaus the same debt in duplicity and with incorrect accounting. Additionally, Harris is reporting inaccurate and inconsistent information to the various credit bureaus. They have refused to correct the issue with me or the credit bureaus ; despite disputes being raised at the Credit Bureaus and with them. Further, they have been reporting that there has been a deed in lieu of foreclosure among other misnomers.
Further, it has come to my attention that Harris transferred/sold my loan to a service provider who has to date continued to represent themselves as Harris Bank in violation of the Fair debt Collection Practices Act. Additionally, this new service provider began sending inaccurate periodic monthly statements, as if it were Harris and continues to do so as of XX/XX/XXXX. Further, these actions beg the question of the lawfulness of Harris to collect a debt that they no longer own or have rights to pursuant to the Fair Debt Collections Practices Act or any other law or statute, if the mortgage was transferred/sold to XXXX XXXX XXXX XXXX XXXX XXXX this unscrupulous act makes it hard to narrow down whom the debt collector is, as well as, come to a clear resolve in the outstanding issues in this matter.
|
| 12/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am writing this letter to inform you that I have notified the credit bureaus and XXXX XXXX of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information.
You have violated my rights under 15 USC 6802, by sharing my personal information in direct violation of HIPAA, disclose it to third party without contacting me. You are in direct violation of 15 USC 1681b, without permissible purpose, before you can disclose my personal information. Transactions and experiences are to be excluded from consumer reports according to 15 USC 1681a2, you disclosed my personal information to third party debt collector.
The tradeline is inaccurate because I am not legally obligated to HARRIS BANK in the amount of {$120.00} for the alleged chargeoff deficiency claim.
The address is wrong, this address does not belong to me.
The balance is wrong, BMO is reporting {$120.00}, XXXX is reporting a different amount.
How can an account be CHARGED OFF AND PAID IN FULL? This is an oxymoron.
The tradeline is showing two different closing dates, this is inaccurate and wrong.
Furthermore, the tradeline is incomplete because you have not verified the date of last activity with the creditor HARRIS BANK, since I had begun dispute regarding this creditor, it appears no actual creditor investigation was actually done, because the date verified did not change.
Although HARRIS BANK was closed/Chargedoff. The tradeline appears to show delinquencies after the closed date. How can a tradeline be paid off and still chargedoff? Your verification procedures have allowed this which has been harmful to me and my family. The balance is not correct, and the date of late activity has re aged. Please delete it.
The following account HARRIS BANK is reporting a balance of {$120.00}, it is my understanding and reason to believe that because this debt was charged off by you that it was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is canceled and at least should not reflect the balance that is currently showing of {$120.00} on my consumer file. This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge notice and confirmation of the errors.
Please provide me with the return of the same time and form as prescribed by regulations, my name, my address, my TIN, the date, and amount of the discharged/charged off debt information as prescribed by the Secretary of Treasury. If not, then I would demand that the accused be removed from my credit report completely to avoid appropriate legal recourse or action on behalf of myself by retained counsel.
Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports is concerning me. Therefore, I request that my future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. Your prompt attention to this important matter is required in order to comply with federal law.
Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately. The law is very clear as to the Civil liability and the remedy available to me for your willful non compliance ( Section 617 and 813 ) if you fail to comply. I am a litigious consumer pursuing litigation in this matter to enforce my rights under the FCRA.
|
| 05/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
To whom it may concern, My name is XXXX XXXX XXXX. I wish to file a complaint against Bank of the West XXXX XXXX at XXXX XXXX XXXX, XXXX, XXXX XXXX for not responding to my fraud complaint and lack of help to get my money back.
On XX/XX/2023 I discovered two checks I had made out to pay bills were stolen from my mailbox and someone had fraudulently changed the payee and amount payable to {$5000.00} each. Upon finding out {$10000.00} was missing from my husbands and my personal accounts, I promptly went to the XXXX to let them know what had happened. I brought them my duplicate copies to show them how the checks were fraudulently altered and asked for assistance. XXXX stated the fraudster had " washed '' the checks including our signatures.
I first talked with XXXX XXXX, assistant manager who had me talk to XXXX. She had me call the XXXX police to get a case # for the bank. I called right there, she helped me fill out the paperwork, notarized it and forwarded to XXXX in their fraud department. Bank of the West refused to cover the lost funds even though they had cleared the fraudulent checks with signatures that do not match ours.
XXXX clearing process did not catch the fraudulent checks and is taking the stance that it is not responsible. XXXX allowed someone to steal {$10000.00} from us and is taking no responsibility. What stops anyone from creating fraudulent checks if the bank is not going to protect us consumers? I check with the bank each week on their progress. They keep telling me that they are working on it. Two months later, XXXX told me the fraudster cashed my checks at XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ).
On XX/XX/XXXX, I contacted XXXX and checked with their fraud department and provided them copies of the fraudulent checks that XXXX allowed to clear. In a few hours, XXXX confirmed the checks were cashed at their institution and the {$10000.00} was still in the account the fraudster used to deposit the checks! They stated the account was in a suspended state, most likely due to the application not being complete. XXXX stated XXXX just need to request the funds to be returned and give XXXX a hold harmless letter. They stated that XXXX should have done that immediately when I brought the fraud to their attention. That was 3 1/2 weeks ago. I still do not have my money back.
I have continually called XXXX XXXX, manager of the branch and he either doesnt call me back or brushes me off when I go in person. He tells me they are still doing their investigation and to be patient.
Bank of the West does not keep me updated on my fraud case and will not let me call XXXX in fraud because she doesnt deal with customers.
I do not understand their actions. Bank of the West simply needs to claim the funds from XXXX and return them to our accounts.
I feel Bank of the West has been purposely dragging their feet getting our money back and taking advantage of us because of our ages. I am XXXX and my husband is XXXX. Unfortunately, this has become a clear case of elder abuse. We are not being treated very well by XXXX. Once they found out we had our life savings in their bank, they did not wait to refer me to one of their investment guys, who wanted us to put our money into the stock market and annuities with high management fees. Instead of helping me recover my money that their failed check clearing process allowed to happen, they only wanted to increase the fees we pay to XXXX. My husband, XXXX, and I are on fixed income and can not afford to lose {$10000.00} for over 3 months.
They should have put the funds back in our accounts immediately as we did nothing wrong. The fraudster stole the money and XXXX allowed it to happen. The checks should not have cleared the check proof process as the signatures did not match. In this case, the funds are sitting at another bank and XXXX still continues to refuse to help us.
Please help.
Thank you, XXXX XXXX XXXX
|
| 07/15/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Bank of Montreal BMO foreclosed on my Heloc loan ALMOST TWO YEARS ago for no reason except they did not want interest only loans on there books. This is what BMO employee told me. However, I am protected under A.R.S 33-814 anti deficiency law. I always paid the Heloc and the first Mortgage they had no reason to foreclose. Bank of Montreal called the note and demanded I pay them in full for the interest only part of the loan approximate {$76000.00}. That would be impossible because no one would offer me a loan due to the housing market collapsing and home values were upside down and they knew it. We were forced out in the streets after they sold my house worth {$350000.00} for only {$76000.00} approx. I was current until they called the note and threatened to foreclose. The heloc originated in XXXX I pulled out XXXX dollars on Heloc it was a interest only Heloc. In XXXX they told me I can separate loan and pay principal and interest on part of the loan. and interest on the other half. So I told them to use {$100000.00} dollars of the heloc loan and make it interest and principle in the loan. They said no cost to me and would still be the original Heloc loan nothing except interest rate would change. They never explained they may or would call the note for no reason. I made XXXX different payments per month as they requested and they gave me XXXX loan numbers for one Heloc .I never was told they can call the note and remove me and my family from my home. I lived there making payments for over 10 years. They refused to take my payment anymore for the interest only part of the heloc. In my opinion this is criminal what BMO did and they stole our family home and sold it for penny 's on the dollar to someone else. And now demanding that I give them {$100000.00} 2 years later for deficiency.This loan originated with M & I bank and then they merged with Bank of Montreal. When they merged all the loan numbers were a mess. Every time I made a payment there was an error on t. Due to BMO changing all the loan numbers after merger. The investor that bought my home at the trusty sale kept my first mortgage current by lying saying he was XXXX XXXX. The investor lied and called XXXX XXXX XXXX the first mortgage and told them he was me and he wanted to keep the mortgage current so they let him. I found this out when they sent me a letter saying thank you for paying off the first Mortgage with B of A. I called B of A and they told me someone called and said he was me making the payment. I can assure you this was some kind of fraud on investors part and BMO. Later that year I receive a XXXX for the interest the investor paid and they gave me credit to claim. I did not use that tax credit because it did not belong to me. The investor did this for many months until he sold it for {$310.00}. First Mortgage was later paid by investor who bought house at trusty sale many months later when the investor sold my home. Now two years later almost after BMO called the note on heloc and then foreclosed. BMO is demanding {$100000.00} from me BMO lost there right to collect. Due to A.R.S Section 33-814 we are protected under the anti deficiency law because. BMO foreclosed on the note at a trusty sale. For the past few years I have noticed that BMO has on all three credit reports that I owe approx {$100000.00} dollars for deficiency. This bold statement is a public defamation of character. I need help getting justice and suing BMO I have made complaints to all three credit reporting agency 's. No one is helping me. I called BMO and asked them why they are demanding {$100000.00}. They said it was collectible. BMO lied stating they never foreclosed on the house.. I have proof from the trusty and proof BMO released the lien off the property to the investor and BMO sold the house under me. I have a paper trail proving BMO foreclosed. Please review law update in Arizona XXXX XXXX A.R.S SECTION
|
| 08/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I opened a bank account at a branch of Bank of the West at their downtown location. I opened a personal and business account for a business that I had that had recently received ERC checks for when I had a little over XXXX employees back in XXXX. The accounts which are ending in XXXX and XXXX were opened without any type of error or misunderstanding by either myself or the bank. I had to supply ample documentation for the business prior to being approved - in addition to my residency info for the state of California.
On XX/XX/XXXX I made a deposit into the account of {$180.00}, XXXX into the business account and was quickly told by the teller that this money would not be available until XX/XX/XXXX. I replied to the teller that I understood and would plan accordingly.
On XX/XX/XXXX I was given notice that my account was closed after coming into the branch. I was asked to wait and could overhear the other bankers discussing my account information in fine detail with anyone within earshot to my dismay. XXXX XXXX XXXX finally came over to the area where I was waiting and shuttled me over to his desk. He told me that they would be closing my account. Did not give reasoning and I was told I would know soon the resolution to this issue. I have called back on ( 5 ) separate occasions since this all took place and was told that a XXXX XXXX XXXX is the only one that can supply information to my account.
When attempting to call she is near impossible to reach and when I called on XX/XX/XXXX I was told that my account was still open. I quickly let her know that I had received a letter saying my account was closed - which she replied, " No, that is wrong- I see that your account is still open ''. I asked if she could please check on the status of my account and for them verifying the legitimacy of my Department of Treasury check. She said she would and would be in touch with me the following day. When I attempted to call her today on XX/XX/XXXX - I was told she was " busy '' each time. I informed XXXX XXXX that I would be consulting the District Attorney of California and other entities that could assist with this situation. She told me that the time from the time I received notice of closure to the time of yesterday was in her words, " too long '' hence her attempting to take action.
This money was given to me by the United States government through the Department of the Treasury because of the fact that I had suffered losses by virtue of the pandemic that had occurred throughout XXXX into XXXX. I had largely drawn back staff because of funding by the government for these types of government contracting services were winding down in the VA hospitals that I had won a government contract for. My business has been operational since XXXX and has been in charge of roughly 9 separate VA facilities throughout the United States to include Hawaii. The name of my business is XXXX XXXX XXXX XXXX XXXX. and XXXX is XXXX. My company has paid all federal monies owed to the government and had it not been for this reason - the United States government would have never given me this money. Note : All info about in not confidential info as I am a XXXX XXXX Veteran Owned Small business who has held United States government contracts and are available for review at XXXX.
In conclusion, as mentioned prior I am a XXXX XXXX Veteran Owned Small Business owner. I also served my country honorably during XXXX in the United States XXXX XXXX XXXX XXXX XXXX from the United States and XXXX XXXX from actions taken in battle for my country. I ask that you please intercede on my behalf and help in the recovery of these funds for my business. I don't believe it's right to close down a XXXX persons account and don't believe it's right to discriminate against XXXX XXXX owned small businesses or veteran owned small businesses in this country under any situation for any individual.
|
| 04/22/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I went to BMO Harris bank last Monday XX/XX/2022, I opened two savings accounts that added up to {$93000.00}. I talked to a banker named XXXX XXXX and he assured me that everything was fine, and he deposited my cashiers checks from XXXX and XXXX XXXX and gave me a folder with other pamphlets and documents confirming my transactions. The next day I receive a call from XXXX XXXX in the Fraud department stating that I need to give him a call back. But when I called him back I could not reach him for two weeks and I still can not reach him.XXXX and I tried to call him and we both can not reach him and XXXX is a banker there. I have tried to get my case reassigned to someone else in the fraud department that is there, but they will not let me. XXXX weekend I received threatening letters stating that they need documents verifying my identity and stating that there was identity fraud when opening my accounts on XX/XX/2022. The letter went on to say that XXXX XXXX will be closing my accounts on XX/XX/2022. This was not even enough time to get the documents in to them. Also, I this is illegal to hold my money this long when I have cooperated and got the documents in to them. I went into the branch at XXXX XXXX XXXX on XX/XX/2022 and spoke to XXXX XXXX, the man who opened my accounts and showed him the threatening letters mailed to my current address. He said that they were misleading and that my account is open, but there is a hold on it until this Friday XX/XX/2022. I called the fraud department XX/XX/2022 and provided him with the documents that they needed to verify my identity. These documents consisted of my state ID, driver 's license, ssn card, voter 's registration card, medical card, state of XXXX letter and paystub from my job. I could get the utility letter because I am not paying the utility bills so my name would not be on it, but I do live there and this is my current address. So, I asked them if I can provide alternatives to the utility bill and they told me some medical documents would work so I included my medical card and voter 's registration card. XXXX went on to explain to me that if they do not accept my legal documents, my accounts will be closed, and the money will be sent to the state. How is this even legal? I thought everything was settled that day, but it was not, so I called XX/XX/2022, and I spoke to about five different people in the fraud department named XXXX, XXXX, XXXX and XXXX. All of whom gave me the run around. But I think that they are trying to withhold my money from me by freezing my account so suddenly. I believe that I am being discriminated against because I am a young XXXX female trying to deposit a large amount of money. These policies that they have are discriminatory. If I was a XXXX young female with a large amount of money, they would not be doing this to them. But since I am not, I am made out to be a criminal and now they are trying to take my hard-earned money from me. I am not going to be able to pay rent if they don't release it. I spoke to a man named XXXX today and he told me that they have not been able to verify my checks at the bank, but I have copies of the checks that I deposited with them, and I have proof that they are real and that I am XXXX XXXX the young lady who sat with XXXX XXXX XXXX XXXX XXXX and deposited the checks. It was so easy for XXXX XXXX to put a hold on my account, but they are all making it so hard for me to have the hold lifted. XXXX XXXX will not pick up the phone and now I keep getting an answering machine and no one will answer my calls and give me an update on my accounts. I need this to be on the news and I need some help either to withdraw my money from this bank or get the hold lifted. I have never gone through all this at a bank before in my life, is this even a real bank. I have been through two weeks of XXXX trying to unfreeze my accounts. If someone can please help me.
|
| 05/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX BMO Harris Bank NA Dispute Resolution Department XXXX XXXX XXXX XXXX XXXX | Operations Re : CFPB Complaint RE : Case # XXXX Dear Sir/Madam, I am writing to express my dissatisfaction with the recent response I received from BMO Harris Bank regarding the late payments dispute on my account, which is in response to the CFPB complaint RE : Case # XXXX.
Your decision not to adjust the reporting of the late payments to the credit reporting agencies ( CRAs ) - the nonaffiliated third parties- is in direct violation of the Gramm-Leach-Bliley Act ( GLBA ) and the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 6802.
Allow me to clarify that payment status and payment history are considered personal information under various privacy laws and regulations, including the GLBA and the FCRA. Under the GLBA, financial institutions are required to provide customers with clear and conspicuous notice of their privacy policies and practices, including information about the types of personal information that may be collected and shared with third parties. Payment status and payment history fall under the " financial information '' category, which is considered personal information under the GLBA.
Similarly, under the FCRA, credit reporting agencies are required to ensure the accuracy and privacy of consumer credit reports. Your payment history is likely to be included in your credit report, which is considered personal information under the FCRA.
Considering this, I would like to remind you of your obligations under the FCRA, specifically 15 U.S. Code 6802 : 1. 15 U.S. Code 6802 ( a ) : Notice requirements explicitly state that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party, such as CRAs unless a notice complying with section 6803 is provided.
2. 15 U.S. Code 6802 ( b ) ( 1 ) ( A ) : Financial institutions are obligated to clearly and conspicuously disclose to the consumer that such information may be disclosed to a nonaffiliated third party like CRAs.
3. 15 U.S. Code 6802 ( b ) ( 1 ) ( B ) : Consumers must be given the opportunity to direct that such information is not disclosed to a nonaffiliated third party, such as CRAs.
4. 15 U.S. Code 6802 ( b ) ( 1 ) ( C ) : Consumers must be explained how they can exercise the nondisclosure option.
Despite this, your institution has neglected its duty to comply with the FCRA 's and GLBA 's guidelines and has declined to make any adjustments to reporting these late payments to the CRAs.
XXXX XXXX acted as an agent for BMO Harris Bank NA during the transaction on XX/XX/XXXX. Please provide copies of my signed acknowledgment if you are articulating that XXXX XXXX successfully provided the proper disclosures that met the 15 USC 6802 A, B, and C requirements.
I demand that BMO Harris Bank immediately review the evidence I have provided and reconsider its decision in strict accordance with the FCRA 's and GLBA 's guidelines for protecting consumer information as stipulated in 15 U.S. Code 6802, including subsections ( a ), ( b ) ( 1 ) ( A ), ( B ), and ( C ).
Furthermore, considering the evidence provided, I expect a detailed written explanation for your institution 's refusal to adjust the reporting of the late payment to the CRAs. Should BMO Harris Bank continue to disregard the legal requirements and decline my request, I will have no choice but to escalate this matter to the appropriate regulatory authorities and pursue legal action without hesitation.
Be advised that I expect a response within 30 days of receipt of this letter, as required by the FCRA. Failure to provide a satisfactory response within this time frame will result in my immediate pursuit of further action to protect my rights.
Thank you for your prompt attention to this matter.
Sincerely,
|
| 09/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a BMO Relationship Checking account on XX/XX/2023 ( under an offer to receive a {$600.00} bonus if I received direct deposits of at least {$7500.00} within 90 days ). I was instantly approved for the account, and immediately was provided with my account number. I funded my account and I was able to set up online banking.
Then a day or two later I received a voicemail asking me to call in for an " urgent '' issue. I spent half an hour on hold after calling in, and then after getting connected to an agent for a minute to inquire about the issue, they hung up on me. So I spent another half hour on hold calling back in that evening, only to be told the agent wasn't able to view my account and I needed to call back in the next day during the day.
When I was able to call back in during the day, I finally was told that my account had been frozen for identity verification issues. I was told by the fraud team that to verify my identity, I needed to go to www.bmo.verification.com - this link is to a malicious site that attempted to infect both my phone and computer when I tried visiting it. It is unacceptable for a " fraud prevention '' team to give me misinformation and send me to a malicious website due to their negligence. When I brought it to the representative 's attention this was a malicious link they had given me, they were confused by this and took over another half hour of me waiting on hold (! ) before they finally gave me an email address and told me to send in a copy of my drivers license and a bill/statement showing my name address on it. They said once I sent in those documents, my account would be unfrozen and all set.
The email address they gave me was XXXX. I couldn't find anything on the internet about this email address and it seemed a little odd, and given the previous misinformation with the malicious link and how sketchy everyone was acting, I messaged BMO on XXXX ( formerly XXXX ) to confirm this was a valid BMO email address for me to send my verification documents to. They confirmed via XXXX direct message that this was the correct email. So I emailed in the requested documents to that provided email address, and immediately received an auto-reply message saying that email address is no longer monitored and to send any messages to XXXX instead. I sent the documents over to that email address as well. I then messaged BMO on XXXX to confirm that XXXX was monitored and the right email address for me to send the docs to and get my account unfrozen. And they replied telling me I need to call back in again.
This is absurd the incompetence and lack of caring about assisting me I have experienced. If I call back in again, I am likely to just be on the same merry-go-round of waiting on hold for an hour before being told inaccurate information by a representative. I don't understand why it's so difficult to give me simple information about why I received a voicemail and what I need to do within me having to spend multiple hours wasting my time without receiving any accurate information or answers.
I request that you perform XXXX of the XXXX following remediation options : XXXX. Immediately unlock my account and online banking access based on the requested verification documents I sent in to XXXX.
XXXX. If you are unable to unfreeze my account, then please close my account and compensate me {$100.00} an hour for the time that has been wasted with misinformation, plus financial coverage for virus remediation software and/or replacement of devices due to being directed by a BMO representative to visit a malicious/virus attack website ( www.bmo.verification.com ) in order to " verify my identity ''. I have spent at least XXXX hours on the phone, on hold, etc. dealing with this issue, so the minimum appropriate remuneration to provide me with would be at least {$300.00}.
|
| 10/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
Servicemember |
|
On XX/XX/XXXX BMO/ BMO Harris acquired Bank of the West along with a loan for a travel trailer me and my wife took out in XXXX on XX/XX/XXXX I tried to make a payment but the information for digital banking did not transfer over, so I was forced to redo the external transfer information which was all good and fine. I waited the 3 days like I was told to in the app went back on the website XX/XX/XXXX the information did not process so I contacted the bank customer service line at XXXX XXXXXXXX XXXX I imputed my information loan number and SSN per the automated system. I was able to get ahold of a rep from the bank, but she said she was unable to discuss the loan with me and could not find the issue as to why the bank info had not worked, she walked me thru putting the info back in again and was told I could make a payment on their XXXX XXXX XXXX. I then went to the XXXX XXXX XXXX as directed and tried a 3rd time to make a payment the app denied the payment due to information not matching. I was told to see if the external acct process was worked and try again in 3 days. on Sunday XX/XX/XXXX I checked the mail, and my wife received a notice to pay the bill in her former name that she had not used since XXXX. I had also received an email from my current bank that there was some possible unauthorized activity on my checking acct. I called my current credit union and was told they received ACH transfers that for a person that did not match my account. I then realized that they were trying to process the verification in my wife 's former name that our current credit union has no record of. So, on Sunday XX/XX/XXXX I called BMO bank to try to correct the discrepancy and pay the bill when I again dialed in my personal SSN and my loan number via the automated service the first Rep said she could not help me and transferred me to the loan dept at which time I talked to them at XXXX XXXX XXXX I was told that they would not talk to me about the loan which I found odd since I am the Co- Applicant and the loan is tied to me as well as her I tried to tell the lady on the phone they had the wrong people on the loan she still refused to talk to me and would only talk to my wife. I then obliged and put my wife on the phone she was told that this was the information on the loan they verified my SSN was tied to the loan. she asked to have her name changed to her correct legal name and the name that the loan was applied to since she filled out the loan application in her true legal married name. The lady refused we tried to explain our credit union was flagging the transaction and we needed it to be changed and that for whatever reason they needed to correct the ability to speak to me since they verified, I was the co applicant and am legally entitled to be informed of depts in my name. We were then told that the only way to fix the problem is to go to a BMO branch this poses a problem since we reside in XXXX XXXX and the nearest branch is in XXXX XXXX miles away. I believe this to be in violation of CFPB regulations first then they refuse to talk to person legally entitled to information about depts trying to be collected in my name and refuse to give any information to me. They applied a loan to a former name that is not the one on the loan application itself and was verified with copies of our XXXX driver licenses when we were granted. As well as not abiding by XXXX fair banking practices for the same mentioned above I may reside in XXXX but as a military member I still retain my XXXX residency and right thereunto. We also have reason to believe BMO sold this incorrect information since we have already been contacted by collectors looking for her former husband that she has not been married to in over 20 years and have not obligation to any of his current depts which has led to some harassing phone calls.
|
| 04/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
Older American |
|
1. On XX/XX/XXXX I went to a BANK of the WEST branch my accounts were opened in, to make a needed cash deposit. A XXXX looking XXXX teller at XXXX, XXXX branch was picking out XXXX looking people behind me in line to wait on. I am XXXX XXXX. She refused to wait on me. There was no separate language line. She said she normally worked XXXX XXXXXXXX XXXX and was the manager. I complained and XXXX guy came in and she eventually waited on me, but took at least XXXX minutes to give me my change and refused to give me a deposit slip for my cash deposit into my own acct. I ended up calling the XXXX Police for help and reported the incident to bank Corp office XXXX XXXX XXXX XXXX
2. Thereafter bank wouldn't let me take money out of XXXX branch ATM when funds available ; wouldn't let me access my accouts ( XXXX checking accts ) online after accepting my LOG-IN & PASSWORD. I contacted bank over XXXX times XXXX XXXX XXXX of banking problems ( race discriminations, denied acct access, retaliations ), to NO AVAIL.
3. On XXXX by phone, bank told me bank had closed my 2 checking accts ( that had money in them ); said no reason why was found or listed and said there was nothing I could do about it. This was XXXX XXXX day before federal holiday XXXX XXXX XXXX XXXX. I couldn't get my money out ; I couldn't transfer funds. I had a $ XXXX monthly gym debit electronic charge that went thru on the XXXX of each month.
4. Bank of the West violated federal discrimination laws and retaliated against me and then harmed me. My main checking acct was where my monthly Social Security disability/retirement $ $ $ went into. The debit card to that account could only be used at a Bank of the west branch ( no XXXX ability ). I couldn't receive my XX/XX/XXXX Social security money because the XXXX needs changes put into their system before the XXXX of any month, for the changes to timely go into effect, So I DID NOT get my XXXX XXXX XXXX XXXX XXXX XXXX XXXX because of what this bank did to me.
5.. Without just cause or a reason, the bank just closed my accts and gave me untimely deceitful mailings with fraudulent postmarks the bank ( not USPS ) put on the bank 's mail notices, dated a deceitful XX/XX/XXXX date, XXXX digit XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) and time stamped XXXX XXXX, when mail actually had to be sent in XX/XX/XXXX as the mail was not received until XX/XX/XXXX of bank closing my 2 checking accts. Bank also sent me notice of closing my friend XXXX XXXX 's checking acct. He is XXXX XXXX also ( XXXX ). He address is in XXXX, CA while my address is in XXXX XXXXXXXX XXXX XXXX.
6. Bank closed my accts that had money in them to cover my monthly {$10.00} gym membership fee, and then tried to PROFIT from their deceits, fraud and retaliation, by charging me XXXX XXXX XXXXXXXX fees. Bank closed my accts preventing the electronic bill to be paid electronically and now is threatening to ruin my credit and is saying I must pay the bank {$80.00} or the bank will report me to credit bureaus.
7. I had banked with BANK OF THE WEST for over 10 years and never had a problem prior to the XXXXXXXX XXXX and people blaming XXXX for it.
8.. The Corp Office promised me on XXXX XXXX, XXXX that it would investigate the XXXX HATE DISCRIMINATION I experienced earlier that day at its XXXXXXXX XXXX XXXXXXXX, but never did. Instead, XXXX office retaliated and unlawfully closed my XXXX checking accounts and harmed me.
XXXX. Both of my checking accounts were opened years ago with NO OVERDRAFT PROTECTION & with NO NSF option. I set them up this way due to past ID thefts. In XX/XX/XXXX when I contacted bank toll-free Customer Service XXXX XXXX unlawful OVERDRAFT & NSF fees XXXX I was told " Too Bad :, that it didn't matter if my accts were opened not to have charges go thru if funds not available or not there.
|
| 09/07/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On Friday XX/XX/2020, I made several cash withdrawals from several atms, all within a short period of time. The last cash withdrawal was made at a grocery store at approximately XXXX XXXX.. The next day, Saturday XX/XX/2020, at approximately XXXX XXXX., I attempted to use my debit card at a restaurant. However, the transaction was declined.
Immediately afterwards, I called BMO 's customer service. Suspecting why there was a hold on my card, I was prepared to speak with the fraud department, to have the hold removed so I would be able to immediately access my funds. However, I was told the Fraud Department was closed, and they would be available until the next business day. Normally, the next business day would be Monday.
However, since this is a holiday weekend - with Monday being XXXX XXXX, I now have to wait until Tuesday to access my own money!! So, because the fraud department is not available 24 hours, or at least 7 days a week, I have no money from Saturday until Tuesday!!
I've never heard of such disregard for customers in my entire life. How on earth is it legal for a bank to place a hold on my account, never notify me of the hold, and force me to wait several days to access my own money - all because " hypothetical XXXX '' is off work, living his life, while I am forced to starve. All this grief is because I can't get my money until the fraud department returns to work bright and early the next business day?
When I asked why I hadn't been contacted about the hold, I was told there was a note in the system stating the fraud department sent me an email. After I questioned how could they send an email if they're closed, I was then told it was an automated email. I never received an email!
However, even if the email was computer generated after XXXX XXXX, ( which I never received ), what was the point, from their point - of view - since the Fraud Dept was closed?
Even if they had have sent an email - which they didn't - it makes no sense to send one lone email, without calling or texting me. An email is not a reliable means of communication when a dire situation is at stake. We all know a phone call, or text, is the most common-sense, quickest method of quick, assured communication. Nevertheless, I never received any notifications. I had to discover, for myself, the card was on hold while at the restaurant! How ludicrous and humiliating!
I have no objection to them placing the hold, based on suspicion of fraud. However, if there are algorithms in place that will automatically generate a hold after hours, then the fraud department should be available to remove the hold after hours. Otherwise, remove the ability to deny someone the right to access their own money, if they can't regain access just as quickly. Also, claiming to have sent an email, with no other form of communication, is absolutely the most inconsiderate, unethical thing I can think of - besides them holding my own money for 2 to 3 days because " that department is closed ''.
This matter needs to be addressed by forcing BMO to cease this unethical, if not illegal, business practice.
No one should be forced to wait until someone returns to the office to have access to their funds. Doing so is akin to saying my quality of life is based upon one person returning to work to ask me 2 or 3 questions to prove my identity. It's saying, they're covering their butts to prevent fraud, but have no concern about the customer, if the fraud occurs after hours on Friday, through to the next business day.
This is real life. I shouldn't suffer at the hands of person, simply because he/she has to ask me a question 3 days after denying me access to my funds.
This unethical, and seemingly illegal practice is degrading, inhumane, and could have an adverse effect on someone's quality of life. It must be stopped.
|
| 05/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Dear BMO Harris Bank, BMO HARRIS SENT ME A LETTER DATED XX/XX/XXXX STATING THAT THE CREDIT REPORTING IS NOW ACCURATE ( from my first complaint on XXXX ). IT IS STILL NOT ACCURATE.
XXXX. XX/XX/XXXX mortgage payment was ON-TIME. My credit report shows that is was late. I am requesting that BMO change the XX/XX/XXXX payment to on-time status. ( payment proof attached ).
XXXX. The BMO letter states that the loan was reinstated on XX/XX/XXXX. I made the reinstatement on XX/XX/XXXX. It is not my fault that they held the payment for so long. I called and tried to pay, but I was not allowed to. BMO said my account was on-hold and I could not pay. It is not my fault that I could not pay. Also I received statements with a {$0.00} balance for XX/XX/XXXX and XX/XX/XXXX, which was inaccurate. I am requesting that BMO change the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments to on-time status. I am also requesting a refund of {$11.00} I was forced to pay over the phone because I was not allowed to pay at my local branch in person ( Inaccurate BMO statements attached ).
XXXX. The BMO letter states that HAF payments are to be reported per the effective date posted to the loan. I paid with my own money-not HAF ( my personal payment attached ).
XXXX. On XXXX, I sent a FOIA requesting my phone conversations with BMO. I am missing the phonecall from XXXX when I was trying to pay mortgage, but was not allowed to ( BMO transcripts attached-missing call from XX/XX/XXXX ).
XX/XX/XXXX MORTGAGE WAS PAID IN FULL ON TIME, BUT WAS STILL REPORTED LATE ON MY CREDIT : XX/XX/XXXXXXXX XXXX XXXXXXXX : I went to the local BMO Harris bank in XXXX XXXX XXXX IL and paid the {$480.00} mortgage due XX/XX/XXXX with check # XXXX ( XXXX ).
XX/XX/XXXX : I checked my XXXX and XXXX credit report and BMO reported that the mortgage payment for XX/XX/XXXX was late. IT WAS NOT LATE I paid a day early. I called BMO Harris and they confirmed that it was PAID ON-TIME on XX/XX/XXXX.
LOCAL BMO HARRIS BANK WOULD NOT TAKE MY MORTGAGE PAYMENTS : XX/XX/XXXXXXXX XXXX XXXXXXXX : I called to pay my current mortgage and XXXX stated that the account was current and no money was due at that time. I was transferred to the Foreclosure Dpt who stated that the payment was still being processed and that I could not pay at the local branch ( this is missing from my FOIA request ).
XX/XX/XXXXXXXX XXXX XXXXXXXX : After speaking with XXXX XXXX XXXX I went into the local bank located in XXXX XXXX XXXX IL and tried to pay {$1400.00} with check # XXXX ( XXXX ). Bank tellers XXXX and XXXX stated that they could not do it and sent me to XXXX XXXX XXXX, who stated she could not apply the payment either because my account was still in collections. She gave me a number to call the Mortgage Department.
XX/XX/XXXX : I called the Mortgage Department and I was finally able to pay the mortgages for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in the amount of {$1400.00} ( confirmation # XXXX ). BMO charged me {$11.00} for a phone payment system I was forced to use. I am requesting a refund of {$11.00}. I am also requesting that my status changes to on-time payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
ATTACHED DOCUMENTATION ( XXXX ) : My complaint to BMO today XX/XX/XXXX ( XXXX ) -my response to BMOs letter.
BMO Letter dated XX/XX/XXXX ( XXXX ) -not resolved.
My credit reports from XX/XX/XXXX & XX/XX/XXXX ( XXXX ) -credit reporting still inaccurate.
Payments to BMO Harris Bank on XX/XX/XXXX ( {$8200.00} ) ; XX/XX/XXXX ( {$1400.00} ) ; XX/XX/XXXX ( {$480.00} ) - ( XXXX ) -BMO kept my acct on hold too long & would not allow me to pay ; not my fault.
BMO Mortgage Statements-Inaccurate XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ) -how can I have {$0.00} balance?
BMO Phonecalls per FOIA ( XXXX ) -missing XX/XX/XXXX.
|
| 09/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/2023, I received a call from Bank of the West, whom I have banked with my entire adult life. I was informed that fraudulent activity was detected on my debit card in North Carolina. However, the card was in my possession, and I was at work in XXXX, Iowa. The representative that I spoke with informed me that he closed my account and that I would be receiving a new debit card in the mail by the next morning. However, I did not receive a new debit card in the mail on XX/XX/2023. Due to Bank of the West 's merging with BMO, I was unable to access my banking information over the entire holiday weekend. On Tuesday, XX/XX/2023, I was finally able to access my banking information via BMO 's mobile app. When I logged into my account, I noticed that there were 27 transactions that occurred at XXXXXXXX XXXX in XXXX, Tennessee on XX/XX/2023. There was a single transaction for {$42.00} and 26 transactions for {$40.00}. Cumulatively, {$1100.00} was charged at this location in Tennessee. I was working in XXXX, Iowa on XX/XX/2023, and still had my debit card on my person. I was not in Tennessee, and I did not give anyone permission to use my debit card information to make purchases at a XXXXXXXX XXXX. I have never shared my banking account information with another person. I had to complete a web search to determine what XXXXXXXX XXXX even was. On XX/XX/2023, I called BMO 's customer service number. I waited 30 minutes to be connected with a representative, who proceeded to place me on another hold and disconnect from my call. I attempted to call back a second time, where the exact same thing happened. Later that evening, I called the same number. Due to the high volume of calls being placed at that time, I waited over an hour to be connected with a representative. He assured me that my account was frozen, he filed disputes on all of the transactions, and I would be receiving a new debit card in the mail. He requested that I call BMO back the next day to check on the status of the disputes. I called the customer support number again on XX/XX/2023. A representative informed me that no disputes had been made, so she helped create disputes for five out of 27 transactions. When I asked about the other 22 transactions, she did not provide me with a clear answer. On XX/XX/2023, I received a letter in the mail from Bank of the West. The letter was addressed on XX/XX/2023. The letter informed me that my debit card information had been added to a XXXX device 's mobile wallet. I do not have a XXXX device. I own an XXXX, as does my husband. On XX/XX/XXXX, I decided to go into the BMO bank in XXXX, as trying to communicate with representatives via phone had gotten me nowhere. I spent three hours at the bank that morning, while bankers assisted me in filing all 27 disputes. The bank manager assured me that all 27 disputes had been filed, he had connected with someone at BMO 's headquarters, and that I would be getting all of my money back into my account no later than XX/XX/2023. On XX/XX/2023, I received a letter from BMO stating that my disputes had been denied, as I still have my debit card on my person, so I must have been the one to complete the transactions. I immediately contacted the BMO customer support line and was placed on hold with a representative for over an hour. He assured me that he would be transferring me to BMO 's fraud department, so that I could receive the help that I need. However, he transferred me to a representative in XXXX. The representative in XXXX informed me that he could not transfer me back to a number within the United States, so I would have to call the U.S. number again. This issue is ongoing and every step I have taken has led me to a dead end. I am not liable for this fraudulent activity and deserve to get my money back.
|
| 01/09/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
BMO Harris Bank has offered us what they call a modification with stipulations regarding our second mortgage the stipulation is a " mortgage payment forbearance agreement ''. However this BMO agreement is unfair and totally one sided in favor of BMO. What makes the agreement so bad is that it actually makes a borrower 's situation worst. BMO coerces desperate home owners to sign this deceptive agreement thinking it will help them. The BMO agreement actually creates a financial difficulty for the borrower and makes it easier for BMO to foreclose on the borrower. I sent BMO an e-mail listing my concerns. BMO refused to consider any changes to the agreement.
Below are the concerns I have with the BMO agreement : 1. The agreement is not written in plain English. The agreement contains complicated legal language more suited for lawyers as oppose to simple laymen like us.
2. The agreement is completely one sided and written solely for the benefit of BMO.
3. The agreement requires a large balloon payment at the end of six months.
4. The agreement calls for us to sign way or waive all of our legal rights in relation to the loan.
5. The agreement absolves BMO of any and all responsibility for any wrong doing or mistakes in the past present or future.
6. The agreement shifts the burden of any BMO legal expenses associated with this loan to us.
7. This agreement should be a stand alone agreement but BMO has tied in to the loan in a manner which is the most adverse for us.
8. Any attempt by us during the 6 month period to fine another solution to our mortgage situation results in immediate default and foreclosure.
9. While BMO uses the treat of foreclosure to force us to sign this agreement the agreement states that this is not the case.
Finally instead of helping us this agreement will make our situation worse. In denying us a loan modification you are still holdings to your normal lending standards. This does n't make sense when you consider that if we could meet your normal lending standards we would have applied for a refinance and not a hardship modification.
What I have asked is that BMO permit us to continue to pay interest only for 5 years before the principle payback starts. Our request still allows BMO to have an interest paying mortgage with no loss of earnings. We are not asking BMO to take any lost associated with this loan all we are asking for is additional time. BMO retains all of its normal options if we fail to live up to the modification.
We thought the BMO agreement was going to be a trial period before BMO would grant a permanent loan modification. This is what XXXX did. However not only is this not a trial with a reasonable outcome it is an agreement that leads us into a quick mortgage foreclosure with no legal recourse.
Since experiencing financial difficulties resulting from unemployment I have now found a new job. We told BMO that we did not want or need a " mortgage forbearance agreement '' because we were now able to pay the full mortgage payment. BMO refused to consider anything but the unfair BMO " mortgage payment forbearance agreement '' and proceeded to foreclosure without offering any other options due to our changed circumstances. I attempted to pay BMO the normal payment beginning the same pay period offered in the unfair forbearance agreement. BMO returned the check.
Attached are several documents related to my complaint ; 1. BMO " mortgage payment forbearance agreement '' 2. BMO agreement with changes we wanted to make so that the agreement was more fair and equitable for both BMO and us.
3. E-mail to BMO regarding the agreement and their response.
4. Our letter to BMO with a check for the normal loan payment amount 5. BMO 's letter to us returning our mortgage payment check
|
| 12/05/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
On XX/XX/2022, a person used my name and bank account with a suspected fake ID to launder a fake check into my bank account at the HARRIS BMO bank branch in XXXX, WI # XXXX. I was notified of this on XX/XX/2022 from a phone call of from Harris BMO fraud XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX - BMO fraud dept XXXX, XXXX, XXXX. I called the fraud department to make sure this was true, and checked my account. Sure enough, it seemed that someone was able to access my account, deposit a fake check for {$6500.00} and remove {$6500.00} from my account. Later, the bank realized it was a false check and removed {$6500.00} from my account. At this point, I was told to freeze my account, open a new account, and I would not have access to my funds for 2 business days. This fell two days before XXXX, therefore, I did not have access to any money for over 6 days. The fraud department would not give me any information, they would not tell me the branch this was done. On the day in question, I have proof that I was working in a hospital in a state that HBMO does not exist, therefore, it obviously could not have been me depositing a fraudulent check. I called the next day to the fraud department over 10 times and called XXXX, and finally got more information. I was then told that I would have to sign an affidavit and I would have to contact the bank branch where this occurred, as well as file a police report to obtain an incident number to obtain the security footage. I was told it was the branch in XXXX, WI. I have never been there and I live on the XXXX XXXX. I had to contact the branch XXXX XXXX XXXX, who was very professional and helpful, but said she could not do anything until the subpoena was obtained from the police to get the footage and to get my money back, I would have to get in touch with the fraud department again. She also told me the bank teller on the date in question remembers the transaction but can not remember what kind of ID was presented or if the address, name, etc matched my real ID.I have all of my identification and have never lost my identification, so this was created falsely, or was a different ID altogether. They could not tell me any further information. I called the fraud department again, and was met with significant unprofessionalism and almost accusatory behavior. I did not get any questions answered and no one could tell me what the next process was or what I should do next to protect my identity or get my money back. I was able to contact the XXXX police and get an incident report. I have not heard back about the subpoena to get the security footage.
I was then called by XXXX from the XXXX, IL bank headquarters and she helped with some transactions outstanding from my frozen account, but could not tell me when I would get my money back, even after many emails back and forth. She also said I would need to contact the fraud department again. I called again and finally XXXX spoke with me saying, I deal with trying to stop hundreds of fraud cases a day, I do not have time for this. I am not sure who I am supposed to talk to if the fraud department does not have time for my fraud case. He would not tell me when or where to get an apparent affidavit to sign or what I should do next. He continued to say he could not help me.
I called XXXX XXXX, branch XXXX in XXXX, WI, who was able to locate the proper affidavit and signature cards to notarize and send back to her.
At this point, I have not been given any further information and feel the fraud department for this bank is very unprofessional and does not follow basic fraud procedures or instruct their patrons on what to do when fraud does occur. I need assistance to get my large sum of money back, {$6500.00}, as it has been 17 days since the fraud occurred.
|
| 04/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I am writing to XXXX dispute the charged-off account and inaccurate reporting associated with the above-referenced account number XXXX, as reported by BMO Harris Bank NA XXXX Upon reviewing my credit report, I discovered that the account was reported as charged off, which needs to be corrected.
The specific inaccuracies in the reporting include the following timeline of events : XXXX. XX/XX/XXXX : 30 days past due XXXX. XX/XX/XXXX : Current XXXX. XX/XX/XXXX : 30 days past due XXXX. XXXX and XX/XX/XXXX : XXXX XXXX. XXXX and XX/XX/XXXX : 30 days past due XXXX. XX/XX/XXXX : 60 days past due XXXX. XX/XX/XXXX : 90 days past due XXXX. XX/XX/XXXX to XX/XX/XXXX : Listed as " ND '' I believe this to be a violation of the XXXX XXXX Reporting Standards, as the account should not be reported as charged-off if there are inconsistencies in the reported payment history.
I vehemently dispute the accuracy of the charged-off account and assert that the reporting is fundamentally flawed.
By taking a write-off for the previous debt, BMO Harris Bank NA effectively exploits public tax dollars to assist with the write-off. This action constitutes a form of public assistance. Moreover, my requirement to file the discharged debt as income on my tax return falls under the income statute, which should exempt this debt from being reported on my credit report.
In addition, I have yet to receive Form 1099-C ( Cancellation of Debt ) from XXXX XXXX XXXX XXXX which contravenes the Internal Revenue Service ( IRS ) regulations under section 6050P of the Internal Revenue Code. Regardless, I have dutifully filed the discharged debt as income on my tax return, as mandated by the IRS. BMO Harris Bank NA failure to provide the 1099-C constitutes a breach of the IRS tax code, and it has come to my attention that you have taken a write-off for the debt in question.
It is crucial to emphasize that income is not required to be reported on a consumer report under the Fair Credit Reporting Act ( FCRA ). Section 605 ( a ) ( 4 ) of the FCRA explicitly states that consumer reporting agencies may not include any information in a consumer report that pertains to " receipt of public assistance benefits. '' I assert that the income reported on my tax return, which encompasses the discharged debt, qualifies as public assistance benefits and is therefore exempt from reporting on my consumer report.
I demand that you provide documentation supporting the validity and accuracy of the reported information, including any signed agreements that establish the debt and any other pertinent information.
I insist that you investigate this matter and verify the following : 1. The accurate reporting of the charged-off account on my credit report, considering that I have filed the discharged debt as income on my tax return despite not receiving a 1099-C from BMO Harris Bank NA 2 . The validity of the reporting of the charged-off account.
3. The accurate reporting of the charged-off account on my credit report, considering the inconsistencies in the reported payment history.
4. The validity of the reporting of the charged-off account, considering that it is not in compliance with the XXXX XXXX Reporting Standards.
Should the investigation reveal inaccuracies in the reporting of the charged-off account, I expect you to remove the account promptly.
I request that you provide me with the 1099-C you neglected to issue, as required by the IRS regulations .
I demand that you respond to this dispute within 30 days, as mandated by the Fair Credit Reporting Act ( FCRA ). Failure to comply may result in further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel.
I await your prompt attention to this matter.
|
| 11/30/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Unable to open an account
|
|
Web |
Older American |
|
On XX/XX/2023 I was researching longer term interest rates to invest money currently held in a deposit account in another XXXX bank and found VERY attractive rates on CDs at BMO XXXX, a new, on-line only subsidiary BMO Bank N.A. XXXX XXXX BMO Harris Bank XXXX XXXX
I applied for the account online, but after entering the required information, I received a message stating " Sorry! We're unable to approve your application today. We'll send you an email with further information '' ( see attached screen shots ).
The email stated the following : " Thank you for your interest in BMO XXXX. Unfortunately, your account application has been declined. If you believe you have entered information incorrectly, we invite you to re-apply. '' Certainly, I could have mis-keyed a data entry in the application, so I repeated the application process, MULTIPLE times, carefully checking my inputs, with the same result ( see attached PDF with several, but not all, automated emails from BMO XXXX confirming repeated declination of the account.
Thinking that perhaps a mis-typed entry might have been stored in my browser cache, causing continued errors in the application process, I closed my browser, cleared its cache and history and rebooted my computer. Additional attempts to open the account after the PC reboot also resulted in denied applications.
I called the toll free customer service number listed on the bank 's web site and received a return call ( due to an inordinately large queue of backlogged calls ) several hours later. The representative with whom I spoke proceeded to read me a canned script indicating that my account was denied due to inaccurate or incomplete information in the application that resulted in failure to satisfy XXXX banking safety/disclosure requirements. I asked the bank representative to tell me what information was defective/inaccurate. She stated that she had no access to the reason for the account declination and couldn't help me- but had I tried entering the online application on a different device. As she suggested, I used another laptop in our home to enter an application, carefully checking the accuracy of my inputs, with no success. Account declined.
At this point, I asked to speak to a supervisor and was told none was available. The bank rep then offered to open an internal ticket regarding the problem, but then incredulously told me that she couldn't guarantee I would receive a call back. I gave her the personal information she requested and asked for a call log number or other identifier that would reference our conversation. She gave me the following : " Request # XXXX. '' What is even more frustrating, my wife and I were customers of the parent BMO Bank XXXX ( and its predecessor market identity as BMO Harris Bank XXXX ) for well over 20 years, having held multiple checking, first mortgage and HELOC accounts with BMO. The parent entity certainly has records that would confirm my identity. We have paid BMO hundreds of thousands of dollars in mortgage interest over the years.
Now, we were refused the opportunity to open an account, but the bank can't or won't tell me what information is inaccurate or offer any assistance in remedying the problem their automated online system flagged.
My wife and I have numerous CDs and a deposit account held at online-only banks, so this application process isn't our first rodeo. Likewise, we are well familiar with Federal banking regulations that require accurate information about depositors - and support those common sense regulations. But I have never experienced a problem entering an account application online EVER before. The fact that the reason for declination of application can't/wo n't be disclosed by the bank is doubly unreasonable.
|
| 09/16/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
XX/XX/22 I finalized a refinance loan with XXXX XXXX XXXX to pay off my loan at BMO Harris, monthly payment {$530.00}. I received a letter dated XX/XX/22 that my loan with BMO Harris as of XX/XX/22 had been paid in full. When I originally had the loan with BMO I set up automatic payment through BMO online banking with an external transfer that was initiated through their online banking.
XX/XX/22 : BMO debited my account {$540.00}. 24 days after my loan was paid in full.
XX/XX/22 : Called BMO approx. XXXX asking why the funds were debited. The individual whom I don't remember his name stated he could not see why the funds were debited as all payments set up through BMO should of been canceled by BMO when the loan was paid in full.
The individual I spoke to spent 30 min or so looking to see what the issue was and he could not locate any reason why the funds came out or any type of transfers that were still in place. He said he would contact me back with a resolution.
XX/XX/22 approx. XXXX I reached back out to BMO to explain all over again what the my issue was. The individual I spoke to located my external transfer and it was still active, that individual canceled the external transfer and said it should of been canceled by BMO when the loan was paid in full. I received email confirmation that the external transfer was canceled.
In speaking to BMO the induvial, I advised that BMO took money out of my account and my account has gone negative and continues to go further negative for my regular bills that are coming out. The individual stated nothing can be done about fees and I just have to wait for my money to be returned. I asked for a supervisor.
I was placed on hold for several minutes and someone else picked up my call did not say he was a supervisor. This person told me I have to wait three days after the funds were debited from my account for the funds to post to BMO loan then they can initiate the return of my money. I again asked what BMO was going to do about my negative account and fees. The " supervisor '' said BMO does not refund customer.
I asked for a manager : the " supervisor '' began to say the manager will not refund fees and the bank does not refund fees. I asked the supervisor to transfer the call to a manager.
At that time after a 5 minute wait I was transferred over to XXXX on the Resolutions team. I once again for the 4th time had to reexplain my situation. XXXX advised me that this error on not canceling the external transfer is an error on the part of BMO as they should have canceled the external transfer when the loan was paid in full. BMO dropped the ball. XXXX tells me that I have to wait 3 days and my current bank will reject the payment that was made and 3 days after that the funds will be back in my account. I advised XXXX that my bank had already cleared the payment to BMO it is not a pending transaction any more. He began to explain to me what an ACH is and how things work. I advised him I work for a financial institution and do not need to be educated. He again said that my bank will reject the payment. I said they are not rejecting a cleared already posted payment, XXXX then states that once BMO receives the payment the money will then go to a clearing house account to issue over payments to the customer via cashiers check which will take 10 days after they receive the money not including time the checking is going through the mailing. XXXX also stated that BMO does not compensate customers for fees that are caused by their bank.
So now I have to wait 10+ days for my money. I have over draft fees that will keep hitting my account, my pay check went to all the fees on my account and the payment that should never of come out of my account.
|
| 01/18/2024 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Summary of Events : XX/XX/XXXX BMO Alto notified Fraud Detection for amount of {$20000.00} Received a call from Agent XXXX in Fraud for BMO Alto however I was unable to answer the phone. Thereafter, few minutes later, I called back with no answer ( left a voicemail ) I called back to XXXX ( referenced as BMO alto Fraud ) and was redirected back and forth from customer service to Fraud department because BMO is different than BMO alto. Bank now was closed.
Tuesday XX/XX/XXXX, same issues occur of being redirected back and forth from customer service to fraud department. Finally, they redirect me to XXXX once more. XXXX informs me to unlock my account I need to provide Bank statements on how I funded my account and any transfers associated with that account with ID. I am not provided further details why this is requested, rather it is stated if I do not comply my account will close in XXXX days.
I was able to obtain statements from all accounts except my funding account due to it just opening and statements were not available online. I explained to her, its not available she did not believe me. XXXX demanded I not get a screen shot showing the transactions rather she needs the bank statement to show the transactions. I once again elevated that case to my credit union. It took XXXX hours so that I could get that statement. I asked to speak to manager but it was denied. She said they are not available.
No, after statements were provided by my bank, I get a call around XXXX from XXXX saying my account is being closed. She noted she could not disclose the reason but that at this point they no longer wanted to do business with me. I explained that is fine but XXXX I wanted a reason and XXXX I wanted to know when I would receive my money back. She denied answering and said I would receive a response by mail. She later explained that she would call me back tomorrow ( XX/XX/XXXX ) on the timeframe to obtain my money. I asked to speak to a manager, and it was denied stating they would not say anything different.
XX/XX/XXXX : I call BMO alto fraud and same back and forth between departments. I am then transferred to XXXX again. She tells me XXXX your account is being closed there is nothing that can be done. I explain again that is fine, I would like to know the reasoning and timeframe to obtain my money. She noted this time she did not find the documentation adequate. I asked what she was looking for and she said it just was not adequate. I exclaimed that I provided the exact statements she requested. She denied that I speak to a manager and she said you account is closing and that is all.
Later that day, I call again. XXXX states that I need to obtain again, bank statement from my bank and proof of ownership to be able to expedite the return funds request.
XX/XX/XXXX : XXXX takes back what she said previously, after I paid my bank for the documentation and states again, account is under closure and It will take XXXX weeks to receive funds back.
She nor anyone at BMO has been able to provide me a clear rational or description of what is going on and why I could not unfreeze my account and obtain my money back. Rather I am given sarcastic questions by the agent, do you know what a high yield savings account is? Do you know what Fraud is?
BMO alto has been extremely unprofessional and have lacked the transparency the consumer requires to work through an issue and see what can be done to resolve the problem as effectively as possible. No formal notification of bank account closure has been provided from their behalf. My bank, XXXX also finds their questioning suspicious. They tried to work with them on a call XX/XX/XXXX but BMO alto refused to work with them.
|
| 10/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
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|
Web |
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On XX/XX/XXXX my wallet was stolen at an XXXX grocery store in XXXX, IL. I was out of town assisting a relative. I contacted the XXXX Police department immediately and filed a report with them. Since I was out of town, my husband contacted all of the financial institutions to report my wallet stolen to alert them to fraudulent activity on my account. There were multiple transactions, with the majority of transactions utilizing the debit card that is associated with my XXXX XXXX ( which is noted as a checking account by BMO Harris Bank ) account which was issued by BMO Harris Bank. The transaction amounts were for {$320.00} ( XXXX ), {$670.00} ( XXXX ), {$500.00} ( XXXX ) and {$860.00} ( XXXX ) for a total of {$2300.00}. Only the transaction for {$320.00} posted immediately. Per instructions by BMO I submitted a Fraudulent Transaction declaration on XX/XX/XXXX for the {$320.00}. I received credit for that transaction within 10 business days. The other transactions for some reason did not post until the end of XXXX, at which time on XX/XX/XXXX I filed another Fraudulent Transaction Declaration, again at the direction of the bank. Since that time I have contacted the bank again by phone on XX/XX/XXXX, XX/XX/XXXX and XXXX. I have also sent an e-mail to the reg E processing department at the suggestion of the telephone banking representative. Each time I contacted BMO they gave me different information on the timing that I might expect an answer on my claim. With the first call on XX/XX/XXXX I was told to check back in at the end of that week. The second call they told me it could take up to 30 days, and the final call on XXXX I was told that because it was a debit card for my XXXX that they had 45 days to resolve it.
Finally, on XX/XX/XXXX I contacted a branch representative. I was then told that since this was an XXXX XXXX account the debit card was not subject to Reg E and therefore they have 45 days to respond to my claim and they are doing this as a courtesy to me. They told me they would be required to make a determination and inform me of the resolution by XX/XX/XXXX. As of today, XX/XX/XXXX I have yet to receive a credit for these fraudulent transactions and I have yet to receive any correspondence or response to me from BMO. All communication has been initiated by me. They will not allow me to speak to the investigator working the fraud case and have only provided me with an e-mail address for the fraud area. I sent an e-mail to the fraud are on XXXX, but never received any response.
I have looked over all of the disclosures I received when opening up my account, the disclosures included with my debit card, etc. and I can find no information that tells me that fraudulent transactions with my XXXX debit card would be handled any differently than a debit card for any other consumer bank account. In speaking with the branch representative, they too were not aware of this special circumstance and admitted that they had never counseled someone opening this type of account about the risks involved with a debit card tied to an XXXX account.
The branch representative did call me back to let me know he had sent an e-mail to the person working on my claim and was expecting to be able to contact me by end of day on XX/XX/XXXX. I contacted the branch representative again the evening of XX/XX/XXXX. He contacted me on XX/XX/XXXX to let me know that he finally received an e-mail from the person working on the fraud claim and they are waiting to hear from the merchants involved in the transactions and that because this does not fall under Reg E they have 90 days in which to resolve the case. The timeframe for their resolution appears to be a moving target.
|
| 11/30/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
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Hello, I am writing due to Bank Wire that we sent to a company that has not received it.
On XX/XX/XXXX of XXXX I went into a XXXX XXXX branch to initiate a wire in the amount of {$37000.00} to a US based company named XXXX XXXX who is based in Florida.
We had wired money to them several times in the past with not issues.
Their bank is BMO Harris Bank in XXXX XXXX, FL XXXX.
XXXX XXXX has stated that they have not received the wire and it has been 7 months.
They have recently sent me to collections.
After intense research into this issue with the XXXX XXXX team, they were able to find the wire and provided the Federal Reference Number to us which is listed below.
XXXX XXXX XXXX, along with BMO Harris bank has clearly stated that the XXXX XXXX #, also known as XXXX, is the SOLUTION to finding what happened to the wire we sent.
Both banks stated that they use XXXX as it is a real-time gross SETTLEMENT SYSTEM of central bank money used by Federal Reserve ( Fed ) banks to transfer funds electronically between member institutions.
I have also personally worked with our agent at XXXX XXXX for past few days to confirm the money has not been returned due to the wire being canceled or unretrieved by the recipient. They show the money was deducted from our account and never replenished due to a cancellation or void of the wire.
Unfortunately, the receiving company of this wire " XXXX XXXX '' will no longer respond to my messages of trying to resolve this matter as they are frustrated with me and the situation.
I was hoping XXXX XXXX would be so polite to call their bank " BMO Harris '' and provide the Federal Number # that XXXX XXXX has provided to see if there is an error in the transaction.
I have even spent time on the phone with the BMO Harris bank manager who stated that if their client " XXXX XXXX '' will call them with the Federal Number, they can determine what happened to the money once it hit the bank.
The XXXX XXXX documents show that the money was received on the BMO Harris end. It shows a received time and date of XXXX @ XXXX.
This data is shown on a report that was sent to local XXXX XXXX XXXX from their headquarters.
I had to go physically pick up the doc as it was too sensitive to email.
BMO Harris bank is UNABLE to confirm 'as I am not their customer ' that the money was directed to the proper account. This would need to be done from XXXX XXXX side as they are the customer of BMO Harris bank.
I am in need of guidance on how to confirm that the money was received at the at the BMO Harris bank level. This has caused big issues between both parties.
To make matters worse, XXXX XXXX originally provided an incorrect account number on the first attempt of sending this wire. So, we canceled first wire and sent a second wire using the corrected account number they provided. The second wire is what is in question.
XXXX XXXX shows in their system both Wires being initiated. But the second one was not received by XXXX XXXX. Our first wire was properly refunded to us after canceling. No problems there.
I am ready and willing to send a new wire to XXXX XXXX ASAP for the XXXX but not until I am able to confirm with BMO Harris regarding the status of the first wire transfer.
And as I stated, XXXX XXXX XXXX department will no longer communicate with us to resolve this matter. I feel my hands are tied. I will follow up with XXXX XXXX accounting department again via email today to provide the Federal # and plead with them to please call the bank but I think they feel it is my responsibility to resolve this, and I agree. But I can't call their bank for them unfortunately. I have tried.
|
| 09/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Loan sold or transferred to another company
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Web |
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BMO Bank has acquired the accounts and banking business of Bank of the West.
At the time of the acquisition announcement, I had 3 accounts with Bank of the west : Checking, RV Installment Loan and Home Mortgage. This acquisition has not been transparent to me as a consumer and has had a material impact on my finances, credit and time required by me to manage the transition of my accounts. In addition, new policies and practices by BMO have made it more difficult to do business with them. This is unfair to me as a consumer to be impacted by this acquisition without choice or compensation for my time and expense. Further, there has been no formal process to file complaints other then calling customer service.
Specifically : 1. The transfer of the servicing of my home mortgage impacted my credit score by reporting a new mortgage in the amount of my outstanding principle to all three credit bureaus which inaccurately doubled the amount of my indebtedness and dropped my credit score at a time when I was considering applying for new credit. This would have changed my approval prospects and affected my qualifying interest rate, increasing my cost of finance charges. I was offered a letter of explanation which could be submitted to a new creditor, which I confirmed request and have never received to this day.
2. During the first month ( XXXX ) of servicing my RV installment loan, double payments were made to my loan. This situation was created because the autopayment from Bank of the West was transferred with the loan and during setting up BMO digital banking I had no visibility into existing Bank of the West autopayments, so I established a new one as part of my digital banking transition. When I contacted customer service to sort out the double payment and requested, they cancel the Bank of the West autopayment since they provided no means to manage it myself, I was informed I would have to write a letter to BMO requesting it to be canceled. They would not accept my verbal instructions over the phone although with my prior relationship with Bank of the west they would have honored my verbal request. I asked to speak to a supervisor and had to wait 25 minutes to speak to what seemed to be their bank policy manager ( I'm sorry, I don't have the individual 's name or full title ). This person was firm on their policy and refused to do anything to correct the situation other than me having to write a letter. When asked about the policy change between banks and why the old Bank of the West policy wasn't honored, I was simply told that this was their policy with no expectations or alternatives.
3. Consumer Complaints - the only process offered to file a consumer complaint was verbal and offered no case number for follow-up or guarantee that I would be contacted or responded too. Further, In all of the notification letters I have received, there is no information offered on how to file complaints other than calling their customer service numbers. I'm left with the impression BMO doesn't care about the impact their policies on consumers- too big to care and seemly not accountable to consumer protection policies.
I feel this acquisition has not treated me fairly and I am being victimized as a consumer for the benefit of BMO 's acquisition of Bank of the West. I believe banks should compensate consumers for their time and inconvenience caused by these bank purchases. Consumers should receive a dividend as part of the transaction to compensate us for the time and financial impact of these transactions. As a consumer, I'm treated as if my time isn't worth anything and I'm being used freely to benefit their profit.
|
| 03/15/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
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Web |
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This matter concerns a dispute with BMO Harris Bank over a NSF ( not sufficient funds ) charge of {$36.00} on XX/XX/XXXX on a personal checking account.
On XX/XX/XXXX, an authorized payment of {$65.00} was taken out of our personal checking account which put the account into a negative balance. I happened to learn of this situation very early the morning of XX/XX/XXXX, by accident, as I happened to check the account on line. I then physically went to a BMO branch and made a teller deposit sufficient to cover the negative balance at approximately noon, XX/XX/XXXX. Then, several hours later, after the curative deposits were made, I received an e-mail notice from BMO Harris at about XXXX XXXX advising that, due to the negative balance, it was reversing the {$65.00} payment, and assessing a {$36.00} charge.
I then contacted BMO Harris on XX/XX/XXXX and spoke with a " manager '' by the name of XXXX XXXX to request a courtesy reversal of the {$36.00} charge based on the prior deposits which provided sufficient funds to cover the {$65.00} payment. I note, too, that while BMO Harris system does provide an immediate e-mail notice to advise of the NSF charge, the BMO system provides no notice of the negative balance problem in the first place to allow timely curative action. I simply discovered the problem by accident the morning of XXXX.
In the conversation with XXXX XXXX, he advised that he must decline any reversal of this {$36.00} NSF charge for 2 reasons. His first reason was that the NSF charge was imposed on XXXX, before the cash deposit was made. However, my on-line bank statement clearly shows the imposition of this fee on XXXX ( not XXXX ) and clearly shows the cash deposits prior in time to the reversal of the {$65.00} payment and imposition of the charge. Additional, BMO 's e-mail notice of these actions was provided at approximately XXXX XXXX, the evening of XXXX and state in the body of the e-mail that BMO 's actions were taken " today '', not on XXXX and, again after the curative deposits were made.
XXXX XXXX 's second reason for declining a reversal of the {$36.00} charge is that I've had NSF charges in the past. And that is true -- BMO has indeed imposed NSF fees on our account in the past. In that regard, in XXXX, we attempted to set up over-draft protection for the account in question, which took several months & repeated efforts to set up correctly. In the first instance, BMO did not link our accounts properly, the over-draft protection failed to operate and resulted in NSF fees. This was finally corrected. In the 2nd instance, we learned that there is federal bank limitation which prohibits intra-account fund transfers more than 6 times in a 30 day period, which ( with our BMO accounts ) resulting in failed transfers of funds and additional NSF fees. ] Here, I'm not seeking to " re-litigate '' any past NSF fees. Here, I'm only seeking a courtesy adjustment of the XX/XX/XXXX {$36.00} fee based on ( 1 ) the XXXX prior cash deposits we'd made to address the NSF problem and ( 2 ) BMO 's policy of not providing notice of NSF problems in a manner calculated to allow the customer to address the problem timely. In a larger picture way, I personally believe that BMO 's NSF fee charges and policies are specifically designed to maximize the fees charged to the customers, to be difficult for customers to navigate, and to increase BMO Harris ' revenue from such fees, all in an unfair and inappropriate manner. I also can advise that we've had no similar problems with our banking relationships at XXXX XXXX or XXXX XXXX XXXX -- only at BMO Harris.
Thank you for your kind inquiry into this matter.
|
| 06/02/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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|
Web |
Older American |
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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.
|
| 05/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Older American |
|
This involves Bank of the West XXXX now owned by BMO Harris Bank ) Purchased e-bike from XXXX Bikes for {$1500.00} on XXXX ( from checking ) A charge back was started on XXXX for {$1500.00}.
I never received any docs to sign or a way to send the bank supportive information of my claims. I have made a number of calls to the bank with the last call to a supervisor telling me she will send the info to my email in 48 hours. Please note that she verified the correct email.
Below is a breakdown of events : I received from XXXX on Sunday an e-bike on XXXX. It was not assembled for a few days this is when I discovered the seller made misleading fraudulent claims on what height the e-bike will fit and that it is not XXXX certified as they claimed. I sent the seller 3 requests to return the e-bike but they never responded so I started a charge back. The seller only responded to my return requests ( 3 of them ) the day after the claim was filed. My return request reason was to ship it back due to their misleading fraudulent claims and I will expect a full refund and not part. After the charge back was started then the sellers response was to ship it back but they will charge me a 25 % restocking fee. I will not pay that fee due to their misleading fraudulent claims because it is not my fault and I am legally right. I have all the proof, documentation and photo evidence which will prove my claims against the seller beyond a reasonable doubt, but the Bank of the West which is now owned by BMO Harris Bank has never sent me any information to sign or a way I can send them my documents. Personally I feel the seller also banks with B of W and this is the reason that I am treated this way. The seller wants to charge me 25 % restocking fee ( {$380.00} ) even though they made misleading and fraudulent statements and its not my fault. I still have not received any documents or email from the B of W concerning case # XXXX or a way to sign or send my supportive documentation which will support my claims. There is a 30 day return policy which the seller has. I called B of W on XXXX but find they did not start a charge back, but one now was started on XXXX. It is now 20 days. Im sure since B of W procrastinated the seller will attempt to use the 30 day return policy against me ; however the claim was started on the XXXX. NOTE : The e-bike is still new and never ridden.
My last call was on XXXX and asked to talk to a manager or supervisor then was told by the supervisor they sent the information to my email which I never received. I was asked for my email by the supervisor. She asked if there was another email ; I said no thats the only email address I have on file with the bank and where the bank sends me emails ; if there were any prior emails they were deleted and not on file. She said they sent it to a different email. I asked what that email was and she refused to answer and said some XXXX about privacy. I responded ; just to talk to me about my accounts and verify who I am the bank ask for last 4 of my social security number, pin number, address etc. and per your records there is another email on record and you refuse to tell me what that email is on my account ; if its on file then I have the right to know. This is the time I said I dont believe her because no other emails are listed on line. I dont know why The Bank of the West isnt doing their job ; perhaps its because they fear since BMO Harris Bank is the new owner they might lose their job. However in my opinion if BMO does see what I am going though they might find who is responsible, so now they may be creating their own unemployment.
|
| 09/19/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
Older American, Servicemember |
|
I sold my home in XXXX Wisconsin on XX/XX/2021 it was a home I inherited from my mother free and clear of a mortgage but there was a HELOC on the property for XXXX with BMO Harris Bank. The week before closing I received the payoff statement from BMO saying that my payoff figure was {$76000.00} I immediately called the bank to dispute the amount and the letter had said that if I didn't pay the full amount they wouldn't close on the property I was scheduled to close on my home in XXXX XXXXXXXX on XX/XX/2021 so I had to take out a loan with a private company for {$26000.00} to close on my property in XXXX I have been trying to get an audit of my account and the XXXX the expense to me for over almost a year and I continually receive letters from them saying that they are researching it or require more time I do not understand why a bank would not have the information readily available to me and be able to account for the charges they have charged to me I'm a XXXX old woman whose husband served in the military and I have to put up with a bank not being able to disclose to me these XXXX they charge to me prior to my closing they have sent me a letter stating that there's XXXX that they charge me but I want an audit of that money and and not disclosure as to what the money was used for I think a bank should have some rules and regulations as to what their expenses are that they charge to their customers and they refuse to acknowledge any of the expenses they incurred for that {$26000.00} I have documentation of every letter I have sent them every call I have made to them and every call or every letter that they have made to me I have full disclosure of all the information I provide to you and I also found an error that they said I didn't pay {$1200.00} and they charge me for that as well I sent them a letter stating that I had paid that amount with proof and validation of my check that was paid to them and they now say that they need 15 more days to investigate it after almost a year this is insane and I think they're taking advantage of a elderly person XXXX or not may not have the ability to legally file a suit against them in the court or they're hoping that I'll give up my pursuit of this because I'm getting tired of their continual request for research. Why can't a bank not provide information and what their charges are to a customer if they were charged or not given money that they were supposed to have they would surely go after me to pay for anything that they felt I owed. I feel I mean discriminated against because of my age and gender and they don't feel that I will pursue this any further but I do not have {$26000.00} to pay back to the note that I had to get to close on my property prior to closing because of their excessive fees. I have sent letters to the chairman of the board XXXX XXXX XXXX five letters to be exact he never responds to them he sends them to his loan department and they send me the same information without an audit of the account or the expenses they've charged me all I get is letters saying they need more time to research it I have full documentation of everything but to put it on this email would be too numerous and two lengthy to do I will happily provide this information an additional email if necessary I need some help in this because they're just putting me off and I want them to pay me the $ {$1200.00} back that I have already paid and I want the {$26000.00} back and I I want late charges and fees assessed to that amount and I want an additional loan for pain and suffering for all these years of them not meeting my requests this is outrageous.
|
| 12/18/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I had opened a Online Savings account on XX/XX/2023 at BMO XXXX Bank, which is a online subsidiary of BMO HARRIS BANK NATIONAL ASSOCIATION. I transferred huge amount in a week to this Savings account, thinking it is a good bank. But I was proved completely wrong.
This BMO XXXX bank has 2 factor authentication to login via username, password and later user has to enter the code received in text message to login to online account. This itself proves that original user is logging in correctly. I tried to transfer {$1000.00} and {$2000.00} separately from this savings account to my External Checking account on XX/XX/2023 and I have initiated, authorized the transaction. But both the transactions immediately went into a review without my permission and 2 days later, my account was locked on XX/XX/2023 and I was thrown out of my account for 10 days. During this period, I could not login to my account at all because of some ridiculous and bad decision by the bank that there was some fraud in my account. In reality, there was no fraud at all in my account. Whenever I call customer service at XXXX I have to wait 1 to 2 hours in the queue which is just bad. When I finally get to talk to them, they also couldn't access my account and they tell me to contact fraud department at XXXX. I tried contacting fraud department 10 times everyday at different times of the day when they are open but no one picked up my call for 10 days and there was no option to leave voicemail. Finally I was able to luckily talk to someone in fraud department after 10 days on XX/XX/2023 after trying 100 's of times. The agent took a look at it, verified me by asking so many questions and finally told that they removed all restrictions in my account and I should be able to transfer the amount now. But when I tried transferring my money to external account, it still mentions now that my account has " AccountFreeze '' restriction and I still can't transfer to my external account. I can't even close my online account. This BMO XXXX bank seems like a scam and are trying to rob the money from me by locking my amount forever in the account. This bank is shady and a nightmare to deal with. I have never felt so disrespected as a consumer and uncared for by a XXXX XXXX. Needless to say, there is a lot of time being lost while I make such calls without much action by the bank. The burden on the consumer in order to transfer their money to external account is unrealistic.
I am being treated very unfairly and I need my money urgently. I raised multiple requests/tickets with customer service but they are not helping. There is no coordination between departments in this bank. I have seen hundreds of similar complaints online against this bank recently when I started researching about reviews of this bank. This bank shouldn't be allowed to follow this behavior and scam the consumers in this way. I have attached the screenshot of AccountFreeze restriction in my account and also couple emails, photos from this bank mentioning fraud detection, when infact there was no fraud in my account.
Complaints against this bank : 1 ) This bank is not allowing me to transfer my own money to my external account. I want this bank to transfer my entire money to my external account ( of my choice ) immediately without any delay.
2 ) This bank is not allowing me to close the account, hoping that would transfer my money to my external account. They should first transfer my entire money to my external account without any issues and then once I get my entire money and once I confirm getting the amount, they should close my savings account.
|
| 08/01/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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I filed for bankruptcy XX/XX/XXXX and made my first post filing payment XX/XX/XXXX . I was responsible for 11 payments from XXXX - XX/XX/XXXX . The issue is that BMO Harris completed an incorrect escrow analysis which reduced my mortgage from {$840.00} to {$720.00}, this reduction was due to a lack of including my second tax installment. I received notification around XXXX / XX/XX/XXXX that my mortgage would increase to {$1000.00} due to an escrow shortage of {$1700.00}. After getting my account current on XX/XX/XXXX , I sent BMO Bankruptcy team a request to complete a new escrow analysis and requested a mortgage reduction. On XX/XX/XXXX , I called the bankruptcy team regarding as a follow up to my request. I received a call from someone in escrow department stating that the escrow analysis did n't include one tax installment and my homeowners insurance and that a supervisor would call me. I was also advised that the BMO Harris Bankruptcy team must give escrow permission to speak to me. I never received a call from the supervisor or a resolution. I received in the mail 9 page document that detailed transaction history since start of mortgage in XXXX On XX/XX/XXXX , I submitted a letter via fax to BMO Bankruptcy team requesting an in-person meeting with a representative from both escrow and bankruptcy team to review my account to address my concerns. The meeting has not occurred, I was mailed the original escrow analysis and told the one of the departments are not based in Illinois. I also dealt with during the month of XXXX and XXXX , getting my chapter XXXX plan amended as the plan has only sent BMO one payment of {$150.00} due to the debt being labeled unsecured vs secured. As of XX/XX/XXXX , My account was current for all XXXX - XX/XX/XXXX payments @ {$720.00} and XXXX - XX/XX/XXXX payments @ {$1000.00}. I had {$420.00} in un-applied funds that was overage from my payments. I made a payment of {$590.00} by phone on XX/XX/XXXX , that was to be added with the unapplied funds to complete a payment for XX/XX/XXXX payment. During that call with the BMO Bankruptcy specialist, I was not informed that my account had been referred to legal for missed payments. I advised during call that I would make another payment in XXXX to rectify XXXX payment and also that I could n't afford the {$1000.00} mortgage, confirmed that a payment had not been received from bankruptcy trustee as well. The bankruptcy specialist confirmed the amount I had in unapplied funds and sent an email to release those funds because I made a payment for the difference to make a complete payment. BMO does not accept partial payments.
On XX/XX/XXXX , I received copy of motion to dismiss filed by BMO for 4 missed payments on XX/XX/XXXX . I called the BMO bankruptcy team on XX/XX/XXXX and was told : I could not make a payment post filing, BMO did leave out one of my tax installments on escrow analysis but I must still pay, and my attorney should file immediately a motion for resolution and that escrow payments can be paid over 24 months possible.
It is the miscaluculations of both the bankruptcy and escrow team that has gotten here. Why did they accept my XX/XX/XXXX payment and not apply it to XX/XX/XXXX payment if they had already filed? Why is the surplus amount stating {$960.00}, when I had {$420.00} in unapplied funds and paid on XX/XX/XXXX {$590.00} which totals {$1000.00}. Their motion is documented incorrectly as I currently owe XXXX - XX/XX/XXXX as of XX/XX/XXXX , which I could n't pay any of this due to filing and now I owe XX/XX/XXXX .
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| 08/13/2019 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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On or around XX/XX/2019, I deposited $ 5000+ into a BMO Harris account that had a {$500.00} incentive offer associated with it. At the time I was in the branch office in XXXX XXXX in XXXX, FL, there was a concern I had that the incentive offer was based on the wording that the money be deposited the same day as the account was opened. I brought this to the attention of XXXX, the branch manager there, and she assured me that if there was any problem because of that, she would take care of it. I just spoke with her today ( XX/XX/2019 ), more than 6 months after I opened the account, and she is wrongly telling me that I was supposed to do a wire transfer the next day. I told her that is not what her and I agreed on which was a bank to bank transfer. If what she was saying was true ( which is it not ), then she should have contacted me 2 business days later if she did not see the money and told me I was disqualified. However, I am 100 % certain that she knew and agreed to the bank to bank transfer, which can sometimes take 6 to 8 business days, which can amount to as much as 12 calendar days in some cases.
It appears to me they are trying to look for false excuses to not pay me, even though I was assured I should be fine. I asked at least once for XXXX to give me written confirmation of her word but she never sent it to me, making me think she was trying to " XXXX me over '' all along. She claims she is trying to escalate it up the chain of command, but the agreement was that SHE would take care of any problems, not the higher ups. She appears to be looking for ways not to pay me the {$500.00} but the agreement was made and I met all of the requirements ( with the exception of the same day deposit but that requirement was verbally waived by XXXX ).
I am requesting that if they say they told me I had to pay via wire transfer only, that they show written proof of that. If they can not, then they can not prove that is what they told me. My very clear recollection is that I told them I would be doing a bank to bank transfer and have to wait to go through the security procedures for doing that and they agreed. I gave them the example " Do you expect people to just walk in this bank with {$5000.00} cash in their pocket? That seems unreasonable ''. They agreed to that statement and told me a bank to bank transfer is fine and reasonable.
They are telling me on the phone that because it took 11 days to deposit the money that it was " too long '' but they never told me any time limit to do the bank to bank transfer. They mentioned 10 days which is very suspicious because it is 1 day less than what I may have taken. Since I am at the mercy of the bank funding the bank to bank transfer ( and somewhat at the mercy of the receiving bank too ), I should not be penalized for taking 11 days to transfer the money. I remember I had a few challenges to get that transfer to work so it was not simple like just pushing a button.
BMO Harris should be reprimanded for doing this to me. If they " knew '' I would not qualify, they should have let me know early so I could have taken my money out and invested in elsewhere. However since I feel I met ALL the requirements, I am holding them to the {$500.00} and if they do not pay, I am prepared to contact the local news and report them to warn other people NOT to bank at BMO Harris and possibly even sue them in small claims court. I had a similar problem with another bank ( XXXX XXXX ) but I " fought '' them and they paid. I am prepared to " fight '' again with this bank that is XXXX me around bigtime.
Thank you.
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| 12/31/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I went to BMO Harris to open an account on XXXX/XXXX/2015. When I inquired about overdrafts, the personal banker XXXX XXXX was confusing the opt-in and opt-out terminology. He stated that opt-out meant my overdrafts would be paid. He said everyone was opted out automatically and they could change to opt-in and not pay overdrafts. I said, " Really at XXXX they said opt-in meant paying overdrafts. '' I finally forced him to find me a copy of the account terms and conditions he was making me acknowledge receiving. He had no idea what I was requesting and tried to tell me the signature card page I signed was the Deposit Account Agreement and then tried to say the pricing schedule was it. I was persistent that there were additional account terms he had n't provided and they likely called it a handbook. He ran to a different area of the branch to look for one. Why are n't the account opening disclosures available at the desk where they make you open an account? Why does n't the personal banker know what the account agreement is? Finally, when he came back with the booklet ( Deposit Account Agreement ), I quickly flipped to the overdraft section and showed him the page on overdrafts. I read him the line that said opt-in meant paying my overdrafts and I wanted to be opted in. He said, " Oh, I was confusing the terms, but I can easily check a box to change that. '' I said, " I do n't have to do anything else? '' and he said, " no. '' I did not receive a separate notice describing the overdraft practice or a confirmation of opt-in.
I called the XXXX number to inquire about my opt-in status on XXXX/XXXX/15 since I did n't receive an overdraft confirmation or notice. She confirmed I was opted in. She said most people opt-in online. She could n't explain why I did n't get the disclosures but put me on hold to talk to XXXX at the branch. When the person came back she said XXXX would mail the overdraft disclosures to me. XXXX mailed me the handbook and privacy policy but no overdraft disclosure or confirmation.
I went to close my account on XXXX/XXXX/15 the Service Manager XXXX XXXX told me that I would be charged a fee if I closed my account, but I could talk to a banker to see about waiving the fee. I explained I was closing my account because they were n't complying with the regulations. The supervisor did n't care to ask what the violation was and he refused to let me withdraw the {$100.00} that was in my account. I was forced to go talk to the same banker who does n't understand overdrafts to get the account closing fee waived and then go back to the teller line to wait for a cashier 's check. I deposited cash and asked for cash to be returned to me, why was I forced to get a cashier 's check. It is hugely surprising that a supervisor is unable to waive a fee or did n't care about the details of a regulatory violation.
I think this is a problem that has impacted several other customers. The personal banker does n't give out the deposit account agreement unless a person is forceful like I was. He tried to tell me the XXXX page " Individual Signature Card '' was the agreement. Even after I read the sentence about acknowledging receipt of the Handbook, he was unsure for what I was looking. Neither the personal banker nor the call center agent and XXXX understand what the required process is to comply with the Regulation E overdraft regulations. Then, when I point out their noncompliance and my desire to close my account, they want to charge me a fee. Please protect others ' consumer rights by looking into these overdraft practices.
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| 10/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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As a natural person, consumer, original creditor and executor per 15 USC 7006. Due to the UNITED STATES Bankruptcy of 1933 and passing of HJR192, the UNITED STATES is bankrupt and all debt is the obligation of the UNITED STATES. The banks CAN NOT loan money so why is BMO HARRIS BANK saying I have a loan? As a result of this documentary evidence I am asserting my rights per my contract and revoking power of attorney by rescinding the transaction and arbitration agreement per 15 USC 1635 due to repeated FDCPA and TILA violations, fraud and all information and representations being false and misleading pursuant to 15 USC 1692e.
433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least XXXX point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
I was violated before, during and after the consumer credit transaction by pulling my consumer report without permissible purpose, Identity theft and violating my right to privacy 15 USC 1692a.
pursuant 15 USC 1681a ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; The transaction is a violation due to being charged a finance charge, which is the sum of ALL charges and I was charged additional fees for insurance, which should have been included. I am making payments on a fraudulent account. This is organized fraud and embezzlement 18 USC 656. Only the original creditor with the original note has the authority to collect. I never received the UCC lien paperwork, I never received the 3 copies of the right to recission and supported documents. The entire consumer credit transaction was complete at signing of the master promissory note, the negotiable instrument. Per my contract the alleged debt is paid in full in accordance with the law 16 CFR 433.1, 16 CFR 433.2 and 16 CFR 433.3.
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| 04/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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In accordance with The Fair Credit Reporting Act, the creditor has violated my rights pursuant to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
They are noncompliant in regards to this law. Also, pursuant to 15 U.S. Code 1681s2 ( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off.
They are in violation of this section by reporting an account that shall not be, with the respect to a credit obligation of the consumer, on my consumer report that is inaccurate, due to the exception of the account being a charge-off.
Also, pursuant to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies section ( 2 ) Duty to correct and update information A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
( XXXX ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
It is their responsibility to adhere to the guidelines/rules of the laws XXXX put in place as a furnisher of consumer personal information accurately.
Pursuant to 15 U.S. Code 1681n - XXXX liability for willful noncompliance, they failed to comply to my correspondence, is grounds for my consumer rights seeking damages to my character by furnishing inaccurate information on my consumer file knowingly & willfully while have no permissible purpose in doing so. I have not received a response in any communication through any medium within the 30 day period pursuant to 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I have extended extra time to receive communication from BMO HARRIS BANK XXXX, but have not received any communication regarding the dispute sent.
Best regards, XXXX XXXX XXXX. VIN # XXXX for further identification
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| 04/06/2016 |
Yes |
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- Settlement process and costs
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Web |
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My wife and I went through the mortgage process and closed our FHA loan on XXXX XXXX 2015. We experience a variety of difficulties throughout the process and I am filing this complaint because I have not gotten a satisfactory resolution from the parties involved at BMO Harris. We applied for a mortgage in conjunction with the Illinois Housing Development Authority down payment assistance program. The Loan Officer also verbally offered us a grant program from the bank in the amount of {$1000.00}. Initially there was a delay in the process due to the inexperience of the loan officer so his sales manager had offered compensation in the amount of the underwriting fee approx {$800.00} after the loan closed. In XXXX 2015 we requested a cash to close worksheet to see the breakdown of the costs to give us an idea of what amount was needed to close. We did n't even have the correct payment amount as the taxes and loan amount were incorrect when they were disclosed to us. We never did received this nor was our request acknowledged for the worksheet. As we got to the week of closing we again asked for a cash to close worksheet as we knew with our seller credits we would need to have the loan amount adjusted to get the full credit. Once again the request was disregarded. We did not get our final numbers and only a verbal amount of what to bring to closing, until less than 4 hours before the actual signing. Upon the verbal notification we were also informed that the seller credits would need to be reduced by $ XXXX- {$2900.00} otherwise we would have gotten cash back at the closing which is not allowable including our earnest money. Right away we had insissted that the loan amount be reduced so that the down payment assistance could go toward the down payment rather than the closing costs that the seller was willing to pay. We were told that the loan would have to close as is or be rescheduled to the next day. Our final extension/amendment showing the most recent seller credits was expiring and we were not in a position to reschedule the closing as my wife had already made arrangements to have someone work for her that afternoon and could not take additional time off the next day. At the closing there were issues with the HUD XXXX and it had to be corrected so with the confusion our Attorney was not clear on all of the credits we were to get. After we had moved into our home and received our final signed documents from our closing we reviewed the settlement statement and found much to our surprise that we also did not received the {$1000.00} grant from BMO Harris Bank. This now brings the total amount to $ XXXX- {$3900.00} that we have lost out on. I contacted the head of operations at BMO and was told that {$3900.00} was not a lot of money and that there was no evidence in the file that we were getting a {$1000.00} grant. I told XXXX XXXX " it may not be a lot of money to you but it is to me ''. I have yet to hear from anyone at BMO Harris since I had spoken to the complaint department along with the sales manager XXXX XXXX in regards to the compensation that he had promised or any resolution from my complaint. I am a hardworking man with a wife and XXXX children to depend on me and I am only trying to do the best for my family. I do n't have a substantial income and to experience what we had to go through to purchase this home is the most stressful experience I have encountered and to have someone at such a high level at BMO Harris Bank simply dismiss my issue is demoralizing.
|
| 02/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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This loan was taken out on XX/XX/XXXX through XXXX XXXX XXXX in XXXX TN and financed by them through Bank of the West in XXXX XXXX CA. The first installment was due XX/XX/XXXX once monthly for 72 months.
The Retail Installment Sale Contract states that there is no prepayment penalty is paid off early - all amounts due up to the date of the payment is due.
On XX/XX/XXXX, the balance showed on the loan was {$910.00} and that amount was submitted electronically from my bank on the Bank of the West payment app and accepted.
On XX/XX/XXXX, I logged onto the Bank of the West payment app to see if there was an update on when I would receive the title for my vehicle. It showed that I owed another {$50.00} - even though the balance was paid down to {$0.00} on XX/XX/XXXX - so I paid that electronically on the app as well thinking it was a service charge to obtain my title.
I logged onto the app weekly to check on the status of my title and received no other updates.
When I logged on XX/XX/XXXX, it showed that I had another {$2.00} charge, so I paid it electronically right then in expectation of receiving my title back.
On XX/XX/XXXX, I logged on yet again and saw another {$50.00} charge and paid it thinking this was the last service charge.
On XX/XX/XXXX, the app showed that I owed {$0.00} and thinking that that was holding up my title, I also paid it.
Today, XX/XX/XXXX, I received a phone call from Bank of the West stating that my vehicle loan account was delinquent and that I owed a little over {$500.00} and that payment was due today immediately to avoid repossession.
When I questioned what this was for and requested to speak to a supervisor, the collector hung up on me.
I called the Bank of the West back and spoke to a supervisor XXXX who was also communicating with his supervisor XXXX - that XXXX transferred me to.
They stated that this amount resulted from a {$60.00} payment that was due in XXXX and the rest of {$500.00} amount was late charges on this payment. No one was able to explain to me why I owed the {$60.00} - or the other two {$50.00} payments I already made. All of these three people also confirmed that due to a glitch in their system, no one was notified of the payment due - not the app, not them, and not me. The glitch even prevented them from mailing me a letter about it. This was all on a recorded line at the company and I can provide the times of these calls today.
All that XXXX would tell me is that it was owed- even though they don't know why and can not provide documentation of why - and if it is not paid they will reposses my vehicle.
In my contract at financing, it states that a late charge would be assessed if payment is not received within 10 days of payment being due. The late charge is {$1.00} or 5 % of the part of the payment that is late, whichever is greater.
Now, I do not understand how I can be late on a loan that has no balance- I can provide a screenshot of their app showing no balance owed- but even if it was late, how does the late charge equal over {$500.00}?
The fact that they are not providing with proof of a payment due, they are charging more fees after the balance was paid off, they are trying to collect a " debt '' that they themselves admit was never disclosed to anyone that was due ( including late charges on this " debt '' ), and they are threatening me with repossession, I believe this falls under an abusive collection practice under the Frank-Dodd ACT and is a UDAAP violation.
|
| 01/31/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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I recently opened an account an account with BMO Harris. Before XXXX my husband was out of town trying to get money to me because they paid after the holiday instead of before the holidays. Thats not my complaint. We sent it XXXX XXXX After waiting several hours I had to call them in which they told me no transaction existed. So we were about to cancel and leave me with no money at all and the money comes through so one transaction did exist. Last Saturday my husband was still out of town. I had no money at all and went to cash out my XXXX account and paid XXXX $ and it was XXXX XXXX Sunday approximately and this was only the second time and they never put that through. I called several times. I was out of food and essentials. They told me they locked my card because I left my debit card as my default card on XXXX. I didnt know a transaction. Went through. Someone turns the blame on me. That was hours ago and the woman told me the night before it would be there Monday and the second time I called I was still with out food and pet food and anything and the did not go through. I was panicking. Im like it has to go through anyway. It doesnt go through cash out because they actually a real deposit through XXXX and that never came through. I was crying and had no good. So then they put the Mon through Tues late and took out my XXXX money in the mean time my husband XXXX me a dollar and I received it and I said XXXX me XXXX $ to eat and buy essentials through the email Im using with you right now. Hours later almost 8 hours go by. I had nothing to eat in two days and they didnt put the XXXX through. This was a very serious situation. I called the lady to be made fun out sarcastic because I tolD her I didnt eat in almost three days because of their Bank errors. They never sent the XXXX. She hung up on me. I was hysterically crying starving and I needed a prescription and could not get my prescription. I called my parents to ask them to XXXX me from Florida as I was in a very detrimental Situation. They had no problem. XXXX $ comes through XXXX within 5 minutes. My husband at about XXXX XXXX 12 hours later gets a message from his bank telling him that BMO fraud the XXXX he put through earlier when they the transaction didnt exist and hung up and made fun out of me for being hungry without medicine for days. So I still have XXXX $ after getting groceries and medicine through my parents same XXXX account they told my husband bank was a fake email. Its not a fake email. Thru wouldnt let me see my bank information or even get get earlier that day never thing was getting declined. They were saying the bank credentials dont exist. Then later I put the same credentials in. It worked. So my now my husband at XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX finally got frustrated because they are lying about things making fun out me being hungry and not having food and hanging up me. He sent money through money and paid for instant transaction and I still didnt get it. They have messed up and lied about every deposit thats been sent. Now were paying XXXX XXXX XXXX and nothing is going through. XXXX worked fine but my husband showed me the XXXX confirmation. There was no mistake. Only because they know its a matter of emergency. They made fun out me. They are disgusting. I have my pension transaction that will be Thursday in which is tomorrow. I will take that money out of the account and close it. Ive never had such a terrible bank in my life
|
| 12/12/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
Older American |
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XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX, XXXX Email : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
XXXX XXXX XXXX Subject : Request for Investigation and XXXX XXXX XXXX XXXX Dear XXXX Customer Service, I hope this message finds you well. I am writing to you with a matter of utmost importance and urgency, seeking your assistance in investigating a financial transaction related to Lunar Automation and, if possible, retrieving the funds that were transferred.
The details of the transaction are as follows : Name of the Company : Lunar Automation Address : XXXX XXXX XXXX XXXX, XXXX Floor # XXXX, XXXX, Delaware XXXX, XXXX XXXX XXXX : XX/XX/XXXX Wire Transfer Date : XX/XX/XXXX Amount Wired : {$30000.00} I must emphasize that this transaction was not related to a trading platform. Lunar Automation had promised to create active XXXX and XXXX stores within a couple of months after joining, with various guarantees outlined in the contract I had enclosed with this letter. However, they consistently provided different reasons for delaying the establishment of these stores. As of today, XXXX months later, I have not received any stores, no sales, and Lunar Automation still possesses our funds.
The agreement with Lunar Automation was structured such that they would handle all the work, while I provided the capital, and we would split the profits. Additionally, XXXX XXXX had guaranteed that they would buy back the stores after a specific period, along with all the profits generated until that point.
During my interaction with Lunar Automation, I had contact with several individuals, including : XXXX. XXXX and XXXX - Individuals who registered me and convinced me of the opportunity.
XXXX. XXXX- Responsible for customer service during the onboarding process.
XXXX. XXXX, XXXX, XXXX, and others in the support department - These individuals were involved in the support department, and their names frequently changed. XXXX once requested an additional {$1900.00}, which I refused to pay as it seemed unusual, given their initial promise to work for free until the stores became profitable.
I initiated the wire transfer to Lunar Automation via the following banking details : Bank : BMO Harris Bank N.A .
Beneficiary : XXXX XXXX XXXX XXXX Beneficiary Address : XXXX XXXX XXXX XXXX, XXXX Floor # XXXX, XXXX, DE XXXX Account Number : XXXX Routing Number : XXXX Bank Address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX This ordeal with Lunar Automation began when I started receiving offers in my email and saw their advertisements on XXXX around XX/XX/XXXX. Subsequently, I engaged with them as follows : XXXX. XXXX XXXX XXXX : Scheduled calls and initiated the onboarding process.
XXXX. XX/XX/XXXX : Signed the Account XXXX Services XXXX and sent the wire transfer.
XXXX. XX/XX/XXXX : Received confirmation and was assigned to set up a call for onboarding with the customer service team.
XXXX. Completed all onboarding requirements within a few days.
XXXX. Continued waiting for progress updates and the completion of the promised stores.
However, despite numerous inquiries and complaints, there has been no meaningful progress, and Lunar Automation continues to provide excuses and delays. Their last communication was on XX/XX/XXXX, requesting further funds for software, which I believed were already covered.
As of today, XX/XX/XXXX, I have received no response, and no progress has been made in fulfilling their promises.
|
| 02/10/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Unable to open an account
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|
Web |
Servicemember |
|
On XX/XX/XXXX I requested to open a Trust Account with BMO Harris Bank. BMO Harris Bank manager/vice president XXXX XXXX XXXX certain information in regards to opening up a Trust Account. The following information was : 1. Two Form of ID : which was my Issued Passport and a Bank Credit Card.
2. My social security card.
3. My Certificate of Trust and my IRS EIN number.
After I gave BMO Harris Bank the documents she requested. XXXX XXXX told me " that in order to open up a Trust Account, she would have to send confidential details of my Trust to BMO Harris Bank Legal team in that it would take the legal team 8 hours to let me know if i could open the Trust Account.
On XX/XX/XXXX after 8 hours have passed I contacted BMO Bank and asked why was it taking so long to open the said account. Later in the even XXXX XXXX contacted me by phone and she told me they the " Legal Team '' said they could not open my account unless I showed them my Full Confidential Private Living Trust documents ''. Later after that I went into the XXXX Branch : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX and voice my " privacy rights '' that BMO Harris Bank was violating. XXXX XXXX ; Bank Manger / Vice President said " Its BMO policy and it do not matter what my rights are as a consumer and I needed to gave them additional information outside of the recent information they already had ''. I told XXXX XXXX that outside of my Certification of Trust, EIN, SSN which is also a violation of my rights to ask for, and my ID I was not providing any more of my private information to BMO Legal Team.
BMO Harris Bank is in violation of my consumer rights pursuant to XXXX Law XXXX XXXX. XXXX. Certification of Trust. ( 8. ) A person making a demand for the trust instrument in addition to a certification of trust or excerpts is liable for damages if the court determines that the person did not act in good faith in demanding the trust instrument.
BMO Harris Bank is in violation of The privacy Act of 1974 for denying me my right to open a Trust Account without providing my private information such as my Social Security Card without proper material disclosure by law what on it was being used for pursuant to " The Privacy Act of 1974 ( a ) ( 1 ) It shall be unlawful for any Federal, State or local government agency to deny to any individual any right, benefit, or privilege provided by law because of such individuals refusal to disclose his social security account number.
( 2 ) the provisions of paragraph ( 1 ) of this subsection shall not apply with respect to ( A ) any disclosure which is required by Federal statute, or ( B ) the disclosure of a social security number to any Federal, State, or local agency maintaining a system of records in existence and operating before XX/XX/XXXX, if such disclosure was required under statute or regulation adopted prior to such date to verify the identity of an individual.
( b ) Any Federal, State, or local government agency which requests an individual to disclose his social security account number shall inform that individual whether that disclosure is mandatory or voluntary, by what statutory or other authority such number is solicited, and what uses will be made of it. Section 7 of the Privacy Act of 1974, as amended, 5 U.S.C. 552a note ( Disclosure of Social Security Number ) ).
I have attached the said documents that I have gave BMO Harris Bank to open my account.
|
| 12/17/2021 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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On XX/XX/21, I made a deposit to BMO Harris at my local branch. I deposited XXXX echecks for {$23000.00}. I proactively noted to the clerk, although idential amounts, they are separate checks. My friend told me he sent separate checks in case I had a deposit limit of {$25000.00} on phone app or otherwise.
I received a deposit hold notice, which is fine. I get it - compliance on large deposit.
I receive phone call the next day from XXXX ID # XXXX who asked a lot of questions, some with sacrasm as he found it unbelievable from his preconceived point of view that these checks are legit. He flat out told - literally - that these checks are fraudualent and THAT THE WILL BE RETURNED to BMO Harris within 48 hours. He also told me that HE IS CLOSING MY ACCOUNT without any proof or actual return. I specifically questioned his sacastic comments to me as well as " what happens when the checks clear '' and he responded " We will cross that bridge if it happens '' with sacastic tone.
I am concerned for several reasons 1 ) XXXX had preconceived idea before actually speaking to me and was quite frankly, a bit unprofessional.
2 ) XXXX was JUDGEMENTAL that his preception was right and ruled to close my account before a proper investigation - namely - will the checks clear.
3 ) I understand that a bank can close my account for any reason, I am concerned XXXX is over dramatizing this situation.
Facts 1 ) I can not control how someone pays me. I deposited the electronic checks I received in good faith as they are legit from someone I know.
2 ) XXXX XXXX, the check writer, told me he can get on the phone with BMO Harris and his bank on the phone to verify that funds are present and that he authorized the checks. XXXX, never asked or followed up at all on the legitimacy of the checks.
I understand the electronic checks are new and thus a complaince concern, but BMO Harris need to adjust to the flow of electronic payments. I find it unethical that XXXX from complaince PREJUDGED me as fraudalent depositing checks. A deposit hold of 5 business days is punishing enough as BMO Harris waits for the checks to clear.
In addition, I am not confident that when these checks clear that BMO Harris will timely release the funds to me nor reoepn my account. XXXX seems very firm in his judgement and literally said he is closing my account. People like this rarely admit a mistake unless a superior or social pressure is involved. I am concerned that he will stick to his opinion irregardless and promote to his superiors that he was doing the right thing when I am confident the facts ( the check clearing ) will bear out otherwise.
The fact remains that BMO Harris and XXXX DID NOT actually perform a proper investigation regarding these checks. They are closing my account before they clear and never even attempted to verify with the receiving bank or my friend. It clearly seems to me he called me to document some distored view point he has to prove his point and " note the file ''. At whatever circumstantial evidence he believes is out of my control- I did not issue or write the checks, I am in good faith depositing them.
I would like BMO to investigate his investigation. This includes reopening my account once the checks clear, acknowledging their mistake and compensating me {$500.00} for my time and damage to my reputation.
Thanks for your time.
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| 05/24/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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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?
|
| 11/06/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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|
Web |
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This is the response to my issue with this bank : BMO Harris Bank N.A . ( the " Bank '' ) is in receipt of your complaint filed with the Consumer Financial Protection Bureau ( " CFPB '' ) on XX/XX/XXXX. We appreciate the opportunity to provide additional information regarding your concernsIn your complaint you allege that there was unauthorized activity on your account in XXXX because of your online banking being compromised. You would like the Bank to review this matter and refund you any money that you may have had before that unauthorized activity occurred.
BMO Harris Bank takes all customer concerns seriously and has conducted a thorough review of this matterWe are committed to serving our customers in a fair and ethical manner in accordance with all applicable laws and regulations. In response, we provide the following : Our records show that on XX/XX/XXXX, there were two checks deposited via mobile banking totaling {$1600.00} ( $ XXXX {$820.00} {$1600.00} ) to your account number ending in XXXX. On XX/XX/XXXX, there was a Person To Person transfer in the amount of {$1000.00}. The checks previously mentioned that were deposited on XX/XX/XXXX were returned unpaid on XX/XX/XXXX. As a result of the checks being returned unpaid, {$1600.00} was debited from your accountThis left your account overdrawn by {$980.00}.
The Bank was unable to locate any records of you contacting us to report that there was unauthorized access or activity with your Online Banking that occurred back in XXXX. The BMO Harris Handbook, Section II, 5 ( F ) that was given to you at the time of account When this happened, and my account was locked due to security breach I called BMO Harris Bank many times. I spoke to an agent that says they couldnt help me into my account until after the pending charges were cleared and that had in no way helped me, as a consumer, a customerget back into their account. This was the reason I had no idea what had happened because I called and could not log into the app and I called and I was basically told I could not do anything about this. I had always used my account responsibly and then this happeningmakes no sense as to why the bank says there is no record of me contacting you when I assure you I spoke to a representative that same day. Immediately actually. And then several times after. I would advise the bank to look into the checks depositing and how they were able to do that? And to whom and when did this even happen because I know my account was closed due to this and my funds, yea my balance has been taken over by the bank since. The bank has failed to do the following, and that is to make this right from the stand point of any consumer.
I urgently require a swift and decisive response regarding my money, as the bank clearly breached their own time constraints when my mobile app was unexpectedly locked due to suspicious activity. They failed to provide me with any information about the situation or facilitate the deposit of a check through Person to Person transfer. I am left wondering where the check has gone, and why theres no record of my calls with their agent regarding this issue. Ive made several attempts to address this, and its evident that there was a significant lapse on their part. I implore you to respond promptly and work towards a resolution without further delay.
|
| 03/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
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|
Ive opened a checking account with the Bank of the West in XXXX of XXXX. It was my only bank account at the time.
My employee was also a client of the same bank and become a victim of checks theft. Every time my employee issued a paycheck, he supposed to contact the Bank of the West in order for them to release money to the person who would come to cash out the check. I had no idea about this problem my employee is having with our bank. I found it out only after failed deposits to my account.
My employee issues my paycheck every two weeks. I was using a mobile app to deposit my paychecks. Normally it should take 24 hours for them to process. First troubled check that I got was issued on XX/XX/XXXX, Ive tried to deposit it trough the app on XX/XX/XXXX, but I received a message on the app saying that I need to address a person who issued a check.
By that time got another check issued on XX/XX/XXXX. I talked to my boss and he told me that it should be fine and as for my failed check he might need to write me a new one. So Ive deposited the most recent check through the app and went to the branch with the check that had a problem with.
After first failed attempt of depositing a check I addressed a person who issued a check and he told me to go to specific branch where personal is aware of the problem his business having.
So in the branch personal were well aware of problems with my bosses checks. My colleagues had the same problems. One of the managers called my boss confirming that he is the one who wrote a check and theyve deposited money on my account saying that {$100.00} would be available immediately and rest of the money will be available the next day.
I asked why my most recent check deposited through the app is on hold and how long its going to take them to process. The manager told me that since my account is new ( under 90 days old ), they could put it on hold if the check was issued by other bank, but it wasnt the case. The check was issued by the same bank, my bank. They told me to bring the checks to the branch in the future and not use the app. At least until the problem with my bosss account would resolve ( which should take about two weeks ).
So the next day, once I saw my money on the account, I went processing my payments that I was already behind on. In hour and a half after first transaction bank closed my account. I lost access to my account on the app so I had to go to the branch and learn about it there. The manager tried to help me out with it, she tried to tell the main office that its not my fault that the checks were bounded because of the problems with their business account client. The result remained the same - two paychecks wouldnt come through, bank took that money and closed my account. Even with the confirmation of their client who issued the checks.
So then I was told to wait for a cashier check with my money to come. I received a cashier check but they put someone elses check in the envelope. Supposedly they mixed my cashier check with another one.
Now Im stuck in a position where I dont have my money, I have no access to my account. I have no assistance through the phone support nor at the branch. Its been over 2 weeks of this trouble and I feel that the bank treated me badly.
I did nothing wrong from my part to cause any uncertainties.
|
| 01/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
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On XX/XX/XXXX, I opened a checking account at the XXXX XXXX, IL branch location and funded the account with {$1600.00}. The account opening had a bonus of {$200.00} if the account was open and funded with {$1500.00}, open for 90 days and had 10 debit card transactions. I completed the 10 debit card transactions within 30 days.
On XXXX XXXX. I received the debit card. I noted the address was wrong in that my city address was showing as XXXX XXXX, IL instead of XXXX, IL. I called the bank and had the address corrected.
On XX/XX/XXXX, I paid online via the debit card for a service provided. I thought it best to confirm my bank balance after doing so.. I found out my bank balance was XXXX. In a phone contact with BMO Harris that day, I was advised to visit the XXXX XXXX IL location to find out why. I visited the XXXX XXXX IL bank branch and was advised that a letter from the BMO Harris bank compliance dept was sent XX/XX/XXXX to my address stating that additional information was needed. I advised the bank agent that I did not receive the letter. A XXXX XXXX of the branch advised me that since no response was received from myself the account was closed and the compliance dept issued a check for the account balance. The check date is not known but it was mailed to my address. I did not receive the letter or the check. I asked XXXX XXXX for a copy of the compliance dept letter but she did not have access to the letter.
I asked that a stop payment to be made on the BMO Harris check and a reissue to be made. XXXX XXXX advised that she tried to call me to request the needed information. I advised that my telephone records do not show a phone call received from BMO Harris. Further, I asked that if somebody called you would you supply information via phone to someone claiming to be from a bank. I asked for the replacement check now and not wait for another lost check in the mail. She left and talked with somebody and came back with a replacement check.
In this same visit, I requested a copy of the letter sent by BMO Harris compliance dept. XXXX XXXX said she would email me the letter copy as soon as she receives the copy from the BMO Harris compliance dept. During the next two weeks, I contacted XXXX XXXX twice via email for the letter copy. She replied twice that she is awaiting for the letter copy from her compliance dept.
Needless to say, no letter copy has been received.
On XXXX XXXX, I searched online and could not find any phone contact number for the BMO Harris compliance dept. I used the customer contact online process at BMO Harris to request the phone number and received an auto response that a BMO Harris rep would contact me in two days. No contact received since XXXX XXXX.
On XX/XX/XXXX, I left a voice mail message with the XXXX XXXX, IL branch manager, XXXX XXXX, with a detailed description of my request for the compliance dept phone number. No reply back.
I believe that BMO Harris bank denied the payment of the {$200.00} bonus through their erroneous actions though I complied with their bonus terms. The closing of my checking account by BMO Harris was their error and by this error they denied the payment of the {$200.00} bonus.
Please note that I searched the CFPB complaint database and found 4 other IL complaints about checking accounts terms not as advertised.
|
| 09/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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|
Web |
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Bmo has recently acquired my loan from Bank of the West on my XXXX wheel. I went online to set up my account due to it being a new company I had to do some verification and get everything set up. I than proceeded to set up my online payments. I pay my fifth wheel every XXXX weeks religiously. I do this to save on interest and pay down my loan quicker. I set up the online bill payment and when I did, it was XX/XX/XXXX. The system would not allow me to pay my bill that day, it kept pushing it to XX/XX/XXXX which I found strange. It was only about XXXX that day so no way it was the next business day, I finally gave up and set the online payment for XX/XX/XXXX in the amount of {$250.00}. I made the payment re-occurring for every XXXX weeks. Today I happened to get on BMO 's website to check on my account, to see that I was issued credit for the payment on XX/XX/XXXX! I set this payment to come out on XX/XX/XXXX and they gave me credit for XX/XX/XXXX. I called and I spoke with XXXX representatives. I explained to them I pay my bill every XXXX weeks, the interest is roughly {$120.00} and the remaining goes to principle. I informed them that because they waited 5 days to give me credit for my payment that I now payed {$170.00} in interest! They tried to inform me that because it was an auto debit that it takes XXXX days to process. I was dumbfounded, I had never been with a company who does not give you credit for the day you set the payment for. He suggested to me that I pay a few days earlier so it can be credited for the day I wanted. I asked what the point of a due date is if you cant pay on that day and get credit for that day?? I told him that he is informing me that if I pay on my due date, they are processing it XXXX days later and now not only am I paying additional interest, I can have a late fee as well?! HOW IS THAT LEGAL! The one rep informed me the {$170.00} I accrued on the payment was interest from XX/XX/XXXX ( the last time I paid ) XXXX with a per diem of {$8.00}. I asked her to do the math in the calculator and she came up with {$120.00} not {$170.00} in which she responded " let me look into this again '' This company is doing very shady things with consumers money. I work in the personal loan/ auto finance industry. I know exactly how daily interest works! This company is out to take consumers money any way they can now that their indirect auto business is shutting down!! People who have perfect payment histories and pay every XXXX weeks are now being penalized and have NO option to make a payment and get credit for the same day. They have no branches in MD so its not like I can walk in and hand them cash money. When I asked if there was any way I could make a payment and receive credit for the same day, low and behold I was told NO!!! So your telling me that there is absolutely no way I can pay my bill and receive credit for that same day. Again, How is this legal?! He suggested I call on the day I want to pay and make the payment over the phone, he also informed me there is no guarantee that I would get credit same day for that either, that usually takes a few days to process. This company needs to be shut down for unlawful business and soon before they take all their consumers money! I cant imagine how many of their customers don't even know this is happening!
|
| 12/30/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
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XX/XX/XXXX - Speak to BMO Harris bank representative on the phone regarding insufficient funds fee. Representative tells me charge can not be reversed on the phone and has to be done in person at my nearest BMO Harris Bank branch.
XX/XX/XXXX - BMO Harris Bank in person visit. Assisted by banker XXXX XXXX. Reason for visit was insufficient funds fee that had posted to my account. Ms. XXXX explained {$6.00} Target transaction that caused insufficient funds fee was not tied to debit card. Ms. XXXX also told me the XXXX transaction was considered " rejected and refused '' by BMO Harris Bank. As I had spoken to BMO representative on phone earlier, Ms. XXXX reversed insufficient funds fee due to being misinformed by phone representative. I also requested assistance regarding inability to deposit funds to BMO account via XXXX XXXX. Each time I would attempt to deposit money, I would receive an error saying the bank account was not authorized. Ms. XXXX did not know why I would be unable to deposit money into my account, verified my contact information and told me I would hear back from her within 24 hours.
XX/XX/XXXX - As I had not heard back from Ms. XXXX, I sent follow up email regarding deposit issue.
XX/XX/XXXX - I receive automatic " I am out of the office until after XX/XX/XXXX '' away email from Ms. XXXX in response.
XX/XX/XXXX - I send email requesting help to BMO banker XXXX XXXX. No response.
XX/XX/XXXX - A new insufficient funds fee BMO Harris Bank for original " rejected and refused '' XXXX transaction. BMO Harris Bank in person visit where I am assisted by BMO banker XXXX. After pulling up and looking at my account, XXXX tries to reverse insufficient funds fee. Receives system error and tells me the bank manager needs to reverse it. She explains he is not in on Saturdays and that he will be back at the branch on Monday. She tells me she is sending email to bank manager and that since she does not work Mondays she is cc'ing BMO banker XXXX XXXX and that I will receive follow up on Monday.
XX/XX/XXXX - Receive email from Mr. XXXX stating they can't reverse insufficient funds fee because of the XX/XX/XXXX reversed insufficient funds fee.
XX/XX/XXXX - Mr. XXXX sends email stating insufficient funds fee occurred to " merchant error ''.
This insufficient funds fee could have been avoided if BMO Harris Bank had not told me the XXXX charge was considered " rejected and refused '' or if BMO Harris Bank had not failed to resolve my inability to deposit funds issue, a problem they were aware of, said they would assist me in resolving and which they failed to do. My inability to deposit and transfer funds to my BMO account could have been at an earlier date. Instead, despite assurances, I was left unable to deposit money with the only option funds are immediately available to me.
So in sum, I had a XXXX transaction that led to insufficient funds. BMO informs me the XXXX transaction is considered " rejected and refused ''. I'm unable to deposit money to account via a regular source of income and ask for help. Am promised immediate help regarding this. I receive none. " Rejected and refused '' transaction reposts and since I am still unable to deposit funds using accrued money in XXXX XXXX account, I am charged another insufficient funds fee.
|
| 11/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
Older American |
|
Bank : BMO Bank N.A XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX I would like to make a formal complaint against BMO Bank . I would also like to know what my rights are concerning escrows. I have tried to resolve this issue with them but they havent done anything to resolve it.
I have informed BMO Bank numerous times that they were taking out more money for my property tax escrow then they needed to take out. I requested that they stop taking the escrow funds from my account altogether. They stated that I had to wait until the mortgage is two years old before I could request that. They didnt tell me they would approve the request. They stated that they were going to stop taking my home owners insurance from my escrow but they didnt lower my escrow amount for approximately five months and they didnt lower it by the amount of my insurance, so they are still taking more than they should. I informed them that my tax bill for the year would be around {$7700.00} and I showed them proof from my property tax appeal from my attorney ( attached ). I ask them to perform an escrow analysis using that figure but when they did the analysis, they used an inflated figure of {$10000.00}. I talked to two bankers at XXXX XXXX XXXX XXXX IL. about this ( XXXX XXXX and XXXX XXXX ), who talked to the mortgage department employees ( XXXX and XXXX XXXX and sent my tax appeal to them.
XXXX told me that they needed to have a two-month cushion, well they have over a six-month cushion. They are currently taking the funds from my checking account. I want that to obviously stop too, as I want to take all my money out of the bank. One of the other employees I talked to, I believe XXXX state that once my escrow reaches {$4000.00}, the escrow amount would be lowered about {$300.00} per month. That never happened.
I would like to know when I can get out of this escrow problem. I made the decision to let them take out an escrow amount when the mortgage was first approved. Seeing what they are doing, I want to stop it. I must have some recourse. Allowing the bank to take escrow funds is not mandatory, I could have said no at the time of approval. What are my options to stop this? I didnt have to agree to allow then to do this, and if I would have known they were going to take out this inflated figure, I never would have agreed to it.
I just got my property tax bill for the XXXX XXXX XXXX XXXX XXXX and it is {$3100.00} ( attached ), which is due by XX/XX/XXXX. I have an escrow balance of more than twice that, {$7500.00} ( statement attached ), which doesnt include my most recent payment. It is now over XXXX. They are taking more than {$1000.00} a month in escrows for my property taxes, when my taxes are only a little more than XXXX. How can I get the $ XXXX they are holding back, and can I charge them interest?
Since they continue to take these funds, I would like to remove all my funds from the bank. Can I remove my funds from the bank without any penalties from them because I originally allowed them to take the funds from my checking account? If this continues, I wont be able to pay my other bills, as they are holding more than {$5000.00} and my salary cant cover all my expenses.
Please let me know if you have any questions or need additional information or documents.
Thank you, XXXX
|
| 04/23/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
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.
|
| 09/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American |
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I have had an account with Bank of the West for about 30 years, using the account for direct deposit of my paycheck and to automatically pay my mortgage payment and utility bills.
When preparing my taxes, my bookkeeper downloads the statements from the tax year and adds up the income and deductible expenses. We have always had an option to have a code sent by email.
Bank of the West was bought out by XXXX, and the accounts transferred over labor day weekend. The following week I was able to connect to my account briefly and I downloaded what were supposed to be the 2022 monthly statements ( for XXXX, labelled XXXX -- XXXX etc ), but they were in fact statements from 2018. See attached file for an example of these bogus statements.
That week my bookkeeper was trying to finish the taxes to submit to my accountant. I sent her the code so she could download but she didnt get through everything. Going back on, we no longer had the option of the code by email, only to a XXXX cell phone number. However, I was traveling abroad that week, using a local XXXX card to be reachable. I do not turn on the XXXX phone because the daily charges are very high and I have no need of the XXXX line while I am abroad.
I called the BMO customer service number XXXX on XXXX, hoping I could resolve the matter. I called at XXXX XXXX time, and got a message that I would be on hold for XXXX minutes. At XXXX I was connected to XXXX, who would not disclose the department she was in. The connection was not great, and there were times when the conversation would drop out for some seconds. She didnt speak very clearly so it was very difficult to follow. XXXX asked a number of questions for verification such as direct deposits and auto payments, and my last debit card transaction. I explained that I do not use a debit card on this account. She said she would ask me other questions, which I had to answer quickly, but then she kept me waiting several minutes while she had technical problems and did not have the questions. I asked to speak with her supervisor. She said she would connect me with someone in accounts it was not clear. Then XXXX in Customer Service answered. I had to start over with him, with the account number, and explaining the issue. I then heard music as if I was on hold. He came back and said he had a problem with his microphone. He said he would send a code to my mobile phone. I pointed out that I had just explained to him that I am not turning on my mobile phone when traveling abroad. He then said he would transfer me to online security, which he did before I could respond. Someone answered there and promptly cut me off before we could talk further. That was XXXX XXXX time, XXXX min and XXXX seconds after I first reached the XXXX computer and got put on hold.
This repeated disregard for the customer is arrogant and insulting. I see no reason why I can not continue to receive security codes by email, and certainly why I could not speak to a single intelligent, informed staff person when I called and wasted nearly an hour of my time time that I can never recover. Moreover, being unable to access this basic information from my account has caused me to submit my tax info to the accountant late, and I will likely be charged a late fee now.
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| 12/02/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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I have XXXX complaints about the online banking access for auto loan customers.
XXXX. BMO Harris bank has a policy that your loan remain in good standing for XXXX months before you are allowed view your loan via BMO Harris XXXX Banking. There is no justification for this policy other than that it makes it much more difficult for people to make payments and to view their loan information. People who have gone into default are clearly already struggling, so why would an entity make it more difficult to access payment methods or to view loan information. Banks should be in the business of making it simple for customers to pay them back timely. In addition, when they are extra charges or something of that nature, it is impossible to investigate without online access unless you take the time to call a representative at BMO which can take a very long time with lots of tranfers to different people. We live in a world where people have easy access to the internet no matter what socioeconomic bracket they XXXX fall into. It is predatory to create barriers to access to those who have struggled in the past. The only reason I can think of to justify this policy is that XXXX actually has financial interest in people defaulting as they can issue fees or reposess. If they do not have this financial interest that I suggest, then I would like to know what interest they do have.
XXXX. When I was in default, I was told I could not have online access. Several people told me that if I got out of default, I would have online access. I struggled really hard and made up payments by skipping out on many other things to find out that when I was finally caught up, I still would not have access. No XXXX EVER told me there was a XXXX month waiting period. In fact, the last time I called and found out that I did not in fact have online access, the representative told me that I would never have the option of online access because people who go into default never get it. When I received this formal letter from XXXX, that is the first time I had ever heard of such a policy, which bolsters my first complaint - I would like online access because the representatives that I speak to over the phone often have no idea what they are talking about and can not help me.
I also have a complaint in response to the letter that was addressed to my first complaint. It said that no one ever told me I owed {$4000.00} dollars. When the man came to repossess my car ( which I did n't know was going to happen because BMO did not warn me of this ), he told me to my face that unless I paid {$4000.00} dollars then I would lose my car. And I told him he was incorrect, but he refuted many times and said that is what XXXX told him. The {$120.00} charge for repossession should not even be a charge because at the time the man came to reposess the car, a check my mother had written days before was being processed at BMO for payment. In addition, my mother had called several days before, several times, trying to make a payment but they would not let her make XXXX over the phone. BMO practices predatory policies in every regard and transaction I have had with them. I know I screwed up and got myself into default, but I paid the fees and got out of it so I should be treated fairly.
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| 01/14/2019 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
Older American |
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Help -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I am a XXXX year old married man that had his house sold at a sheriffs auction on XX/XX/XXXX caused by a clerk in the XXXX XXXX XXXX XXXX in XXXX, Indiana in XXXX. The clerk put the wrong property ID on a 2nd mortgage document.
This was caused by the 2 parcels of property that had the same address given my the county. The first property was my home on XXXX acres of ground. The second parcel was for XXXX acres of farm ground that was next to my home. The address was XXXX .XXXX XXXX XXXX XXXX. XXXX, In XXXX. It was given the same address since there were no buildings on it at the time and this would allow the tax papers to be sent to me.
In XXXX, I had to refinance both properties taking our a 1st mortgage on both to pay for a divorce the home appraised for {$120000.00} and the ground appraised for {$75000.00}. I borrowed {$100000.00} on the home and {$30000.00} on the ground..
In XXXX, i needed some more money to do some things to improve the properties. I took out a 2nd mortgage on the ground for {$40000.00} as this was the only one that had equity that i could borrow. When the clerk typed up the paperwork she put the property ID for the house of XXXX acres on the paperwork instead of the ID for the XXXX acres. this was then all filed with the recorders office. no body caught this mistake.
I sold the XXXX acres in XXXX because i was having problems paying the payment. To a neighbor.
Now in XXXX i get papers suing me for the 2nd mortgage on the house.??? they said i had not made a payment since XXXX. It went to trail in XX/XX/XXXX. I had a lawyer from the Indiana XXXX XXXX , XXXX from XXXX in. a Mr. XXXX XXXX. A week before the trail he told me he could not help me anymore as he had done his 7 hours?
I presented all this to the court in XXXX XXXX at XXXX, In and showed them the paperwork that i owned both pieces of property on the date of the mortgage and also the appraisals and what was borrowed. The judge found in favor of the plaintiffs even though i had shown how the mistake was made. the court s in XXXX are all pro business courts. We could not afford the $ 400/500 hr attorneys. the court then ordered the sheriffs sale of my home for XX/XX/XXXX.
It was sold for {$66000.00}. that was over by {$10000.00} of what the judgement was for. To this day i do not know what happened to the money. where did it go? How do I find out?
i contend that this sale was illegal to start with because of the error made in XXXX.We would like to have our home back now. I have lost my home and {$80000.00} in equality.
I have all the paperwork to back up this claim but i need some help to get it done. I will be happy to bring all this evidence and sit down with you and show exactly what happened. The exact dates may be off a little but the years are correct. It is all in the papers. If you do not agree with me please call me and i will take you through it as i have went through this with 2 bankers and they say they have seen the problem and it is plain that i have been wronged and that I am correct in what happened..
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, In XXXX XXXX
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| 02/03/2017 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I recently opened an account with BMO Harris bank through the online platform. The process itself took about an hour and they asked for multiple different documents and information which I have never been asked for previously. Once I completed the online portion I received an email stating that all parties and the account must call in and speak to a representative or the account would be closed. Upon calling into the bank I was asked the same questions that I just finished filling out online. When my wife called and spoke with the representative they advised that the account was already opened and she did not need to speak with them which contradicts the email we received. In order to open the account a deposit of {$100.00} was needed. We opted to transfer money from an existing external account. In order to verify the account the funds were coming from we were to receive XXXX small deposits from XXXX and then verify these deposits on the website. Once these deposits were received we were unable to find the link we were directed to use. Upon calling into the bank we spoke with a gentleman that did not understand the issue at all. We were advised that the transfer needed to be made from our external account and that he would call our bank. We had spent XXXX minutes telling him that we processed the transfer through BMO at the time of the account opening and that BMO already knows my external account number because they deposited the probe charges, and all we needed was to find out where to verify the deposit amounts to complete our transfer. Seeing as this was getting us nowhere we requested a supervisor. After being on hold over XXXX minutes we were informed that his supervisor was not in. So again we requested any available supervisor. When the supervisor came onto the line she began to read off information that was not what we said to the previous person. Now being even more upset we went into the story again and were hung up on. Soon we received a call back from the original gentleman stating that he is going to transfer us to another department since we were " disconnected ''. After the transfer the new XXXX did not have he correct information again regarding our complaint and we went into the story again at which point we were advised that no one would be able to help and we would have to call back another time. After waiting on hold for almost XXXX minutes. At this point we requested to not do any further business with BMO and to close the checking account because this was more irritating and annoying than it is worth. The XXXX advised us that we would have to call back to close the account and we would be charged a fee of {$50.00} for closing the account soon after opening. Something that should have been a single task ended up taking over a week to complete. During the whole conversation with BMO we felt like our concerns were not being heard. After correcting multiple people the wrong information was still being forwarded to the next representative. BMO Harris is using deceptive and unfair business practices and misleading their customers. I would highly recommend that others send their relationship with BMO as well and I would not be referring this bank to anyone else.
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| 01/29/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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My complaint concerns unfair late fees and interest charges resulting from failure of BMO Harris to send credit card statements to me in a timely way, thus not allowing me to send payments by their deadline.
Problems started when BMO took over Bank of The West, where I had a nearly perfect payment record, and a positive banking experience, for many years. My last statement from Bank of the West was for the period ending XX/XX/XXXX. That statement reached me in a few days, and I submitted payment XX/XX/XXXX, in time for the mailed payment to reach the bank well before the XXXX XXXX deadline - as I had for years.
Here is the record for subsequent months : Billing cycle XXXX XXXX - XXXX XXXX BMO mailed paper statement reached me approximately XXXX XXXX XXXX XXXX - XXXX XXXX BMO mailed paper statement reached me approximately XXXX XXXX XXXX XXXX - XXXX XXXX no paper statement was sent to me XXXX XXXX - XXXX XXXX no paper statement was sent to me XXXX XXXX - XXXX XXXX as of today, XXXX XXXX, XXXX, I have not received a paper statement I do not recall ever asking to go paperless. I would never have done so, as I always keep paper statements for my records. Please note that BMO sent paper statements for XXXX months after taking over from Bank of the West, then stopped sending paper statements, without notifying me.
Because of late-arriving statements, and then no statements at all, BMO claims that I incurred late fees and interest. Their charges were as follows : XXXX/XXXX/XXXX interest {$20.00} XX/XX/XXXX late fee {$25.00} XX/XX/XXXX interest {$25.00} XX/XX/XXXX late fee {$39.00} ( refunded ) XX/XX/XXXX interest {$42.00} I called BMO phone support on XX/XX/XXXX to try to straighten out the problem, and requested a refund because of the banks failure to bill me properly. The phone rep approved a refund of the {$39.00} late fee, but was unwilling or unable to refund the balance.
I have talked to the manager of the local BMO branch. She was sympathetic, but unable to do anything except send an email with my complaint to BMO.
Thus, I have still lost {$110.00}, that BMO has improperly taken. I cant say whether this issue is due to simple incompetence on the part of one of the biggest banks in North America, or was part of an intentional policy of sending late statements, to make customers incur late fees and interest. Either way, I am losing confidence in this bank. Employees at phone support and at the local branch were friendly and polite, but ultimately unhelpful.
Other facts I should add : 1 ) One of the phone reps I talked to said that other customers had called with the same problem - late or missing statements, and resulting late fees and interest charges.
2 ) Another rep told me that BMO mails its statements on the XXXX or XXXX of each month. XXXX says that first-class mail from their location should reach me in 3-4 days. After 3 months of statements reaching me only at the very end of the month ( if at all ), I have to believe she was not giving me correct information.
3 ) The same rep confirmed for me that I am signed up for paper statements.
I hope that the CFPB can help me with this. Again, I am asking that BMO refund {$110.00}, as explained above.
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| 12/21/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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BMO Harris bank has not paid me interest due on a matured CD. The amount due to me is as of XX/XX/XXXX, is {$360000.00} which includes the initial amount plus interest, but additional interest accrues every day, so the exact amount will be higher depending on when I recieve the payout.
I purchased a 1 year CD with BMO Harris Bank with a deposit amount of {$350000.00} at an interest rate of {$5.00}. The CD matured on XX/XX/XXXX. I called XX/XX/XXXX to close my account but they insisted they could not verify who I was. After several days they finally sent me a link where I could verify my identity. At that time ( less than 10 days after maturity ) I requested the money be sent to me via cashiers check, since they did not have a bank to bank wire option. I specifically told them I did not want to reinvest and wanted to close all of my accounts. They said the approximate payout would be {$360000.00}.
I recieved {$100.00} for the closing of my Savings and Checking accounts, but did not recieve the money from the CD.
I waited approximately 10 days and called them to find out what had happened to the check for the CD. I figured because it was a large amount, it might have taken longer to issue. They said they had re-deposited the amount into another CD account and would have to look into it. They opened a case # XXXX. Several calls and days later, I received a check for {$350000.00}.
A few days later, a representative from BMO Bank called and asked if they had included the interest. I told them I was not at home and would need to check my notes against the amount they had quoted I would recieve.
Upon check the check against the quoted amount, I realized the check was wrong. I called the bank and spoke to the resolution team 3 times ; I spoke with XXXX, XXXX, and XXXX. No one could tell me what happened and did not return my calls with any updates.
I again called the resolution team and spoke to XXXX in the resolution team. I explained that I did not receive the correct amount for the closed CD, and that in fact, they had quoted me the wrong amount initially. I used several CD calculators online, which all came up with the amount of {$360000.00} which is more than they quoted. He could not give me any answers. I also mentioned that it had been a month that I have been waiting for this payout, so they also owed me for interest accrued during this delay which amounted to {$1400.00}. He blamed me for calling so many times saying I had caused the delays in the resolution by calling once a day. He said that I was hostile when I insisted on speaking to a manager and said that no manager would be able to talk to me and he refused to transfer me. He continued to call me agressive and blame me for the problem. He promised he would call later that day with an update.
He called later that day and said they were still looking into it and had no other information. I thanked him for at least following-up. Another day went by with no update. It has now been more than a month with no resolution.
I have not cashed the initial check of {$350000.00} because it is the wrong amount and I don't want it to appear that I have accepted this as the true amount due to me.
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| 09/28/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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I opened a relationship checking account on XX/XX/2023 with BMO Bank online. The application was completed successfully and during the application I funded the account with {$35.00} from my XXXX XXXX XXXXXXXX account. Upon completion of the application, I was given an account number and routing number immediately on the website. So I went ahead and changed my employer direct deposit to the account number and routing number provided by BMO bank. I then immediately enrolled in online banking and was able to login and confirm my new checking account was showing on that same day.
The next day, XX/XX/2023 I logged in to BMO online banking again. This time I noticed my new checking account disappeared. I attached some images to show what I see when logging in from then until today.
The initial {$35.00} funding for the BMO checking account posted on XX/XX/2023. I confirm the funding amount was debited from my XXXX XXXX XXXXXXXX account. On XX/XX/XXXX, my direct deposit from my employer also posted to the BMO checking account in the amount of {$2200.00} I reached out to BMO bank customer many times using the customer service phone number. They claimed that they could not access my account no matter who I talked to. They see my profile but no account tied to it. They also denied receiving my initial funding and direct deposit. After many more phone calls, they eventually recommended that I go into a physical BMO bank branch.
I went to a BMO bank branch on XX/XX/2023. The associate named XXXX XXXX there was very helpful. She somehow was able to pull up a screen on their banking system that showed that my account was indeed initially funded with {$35.00} and also received a direct deposit of {$2200.00} on the dates I specified earlier. I have a printout of this sheet that she kindly provided me. She opened a new dispute case for me with case number : XXXX I was told they would look into it and that someone would reach me via email or phone call for an update. So I waited almost a week, but there was no update. Yesterday I reached out again to the customer service number and they said they couldn't access my account nor the case that was opened. I went through three different representatives who couldn't help. They suggested a branch visit again.
Today I called the BMO physical branch location again to attempt to escalate the case hoping for a resolution but the manager was not available. The person I spoke with said to call back tomorrow. Today marks day 17 from account opening where I haven't been able to login and access my account.
On XX/XX/2023 I scheduled a transfer from the BMO checking account to my XXXX account to test whether I can access my funds from an external bank. This transfer is still pending.
The resolution I would like to obtain is this : make the exact same BMO checking account I opened accessible again from my online banking login and restore access to my checking account so I can login, view and access my money. I do not want a new checking account. I want only the same checking account that I successfully opened before with the promo code still tied to it to be accessible again.
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| 10/03/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I opened several accounts with Bank of West in XXXX of 2023.
There was misuse of the initial cards sent The replacement cards were never forwarded to me and stolen along with many others items including car titles and license plates.
I reported all of the disputes to Bank of The West prior to their merging with Bank of Montreal XXXX.
I received a provisional credit from Bank of The West for only about {$620.00} approximately and that was the only credit out of about $ XXXX in disputed transactions on my checking account Then Bank of The West reversed the credit and blamed my beneficiary who was also a victim and not the person who did the fraud. We proved that his address was different and the bank gave us back the credit. I have explained this to Bank of The West in XXXX Ca where I opened the accounts and the XXXX XXXX said she would forward the information to the XXXX and confirmed this by email. The XXXX has never once contacted me. I saw two checks that I didnt recognize on my account next and I sent a message online to inform Bank of The West that I didnt write them. I then received an online message from Online services by a person named XXXX XXXX That she closed my accounts and then all my accounts were suddenly removed from the app and I couldnt access anything including my business account. I called the XXXX in XXXX and asked him why the accounts were closed without issuing a new account number He told me that the accounts were still open No one ever changed my account numbers to protect me and I couldnt access my accounts for a good two weeks Next I get a new card for my account and was told that one of my cards was issued in mid XXXX the same day a different card was issued. Apparently the bank issued one card number twice because the date she said it was issued was weeks after there was apparent card use with that number. I have attempted to dispute transactions over and over and the checking account department of XXXX formerly Bank of The West has no clue how to take my claims seriously. I have copies of my bank statements showing that every card that has been issued is the only card Ive had since I opened the accounts. It is impossible to understand how this bank is able to provide comprehensive service. They are intentionally causing enough time to go by that they now say the claims are too late. I have no provisional credits. They have not investigated anything and no one will confirm the items on the claims or provide me with any information no matter how many times I call and ask. XXXX person told me that he disputed everything in California and refused to give me a copy and refused to give me a total. This was XX/XX/2023. This person said I would have my provisional credits in one to ten business days and I still dont have them. I had the same issues with the credit card department however they have now handled my disputes according to policies but I will file a separate complaint about that account because they have mishandled my money. I am going to lose a property due to the mishandling of my accounts and I want my money. Policies are not being kept by this bank.
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| 04/12/2022 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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XX/XX/XXXX I went to BMO Harris bank located XXXX XXXX XXXX XXXX in XXXX XXXX XXXX il XXXX. I was shocked there was ONE lane open and there were lots and I mean LOTS of cars just standing so much so they were interfering with traffic because it backed up to the major road. I went around the cars and parked and walked inside to see what is going on and to my surprise there was only ONE very XXXX woman doing the drive thru and I asked if there was anyone else working there, there was a person in the middle of room/office, just standing and staring into space, I asked if they worked there to which I was told Yes but in training! And I asked by whom and where r they?! No Answer, when I spoke louder because no one seemed To understand that but one person but the ready to deliver XXXXXXXX lady trying to Do everything!!! I tried to tell her shes doing great and its everyone else, she said she would Open another lane but not one person there to help!! I raised my voice to see/ask if there were other employees at this location because its just not right!!! When that occured they came crawling out like cockroaches from every nook And cranny!!! They began with telling to lower my voice and they will not tolerate my asking if there were other employees since they r blocking traffic outside and no one helping inside and ONE XXXX lady doing EVERYTHING!!! I finished my transaction and the main XXXX told me that I am not to walk I. There talking like this and like that. I said if every person was this enthusiastic about helping the customers along with everyone there would not be people like me coming inside to see what is happening!! So to my surprise and disbelief, they closed both accounts would not answer any questions nor did they call me or give enough notice less than 24 hrs they did this, Im a SINGLE KOTHER, A WIDOW! And closing both accounts without knowledge just because they felt a certain kind of way?! When I finally was able to Speak to someone who told me they were the top, she said everyone felt THREATENED BY ME AND MY ACTIVITIES, but yet. I police were called, if video and audio is heard I never ever threatened anyone in any kind of way shape or form, I Simply raised my voice aka my concern, as to why this was happening and this happens ALWAYS AT THIS BRANCH NOT MY FORST ENCOUNTER WITH THE POOR COMMUNICATION ( language barrier ) perhaps, I do t know but this is INSANE! Never threatened! Had accounts there since XXXX And for them to just boom make it stop, I paid for checks, I Mailed checks, I also Did stimulus, taxes EVERYTHING, just gone because Im stead of doing their job tbey made me the villain and them Victims and because of covid, which way before that this Was happening!!! Regardlesss this is Crazy!!!! I had My Deceased husbands XXXX funds plus Pension coming into The accounts, with their poor work Ethics and zero knowledge of human Compassion I Was crying on the phone And she had the audacity To say she dfeels threatened now with the way I was talking To Her!!! And when I opened account it said Somewhere, they have right to Close account at any time With and without Notice!!!!!!
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| 05/06/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
Older American |
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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.
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| 03/10/2018 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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complaint : ( 1 ) refuse to close my account despite multiple requests to close the account in order to charge more fees ( 2 ) refuse to address customer 's concerns under the disguise that they could not " verify '' the customer due to use of unreasonable questionaire.
On XX/XX/XXXX afternoon, multiple " phone calls '' and " internet chats '' were made to inform you that IRS had fraudulently tried to cash a check of {$28000.00} after I had paid IRS the same amount online. You refused to listen to my concerns. Instead, you illegally charged me {$36.00} " NSF fee ''. Over the phone, your first " bank teller '' asked me some ID questions and then proceeded to ask me detail about my account activities. I told her that I do not remember my account activities and I did not have access to a computer to know the account activity. That bank teller then told me I " fail '' the identification test and I must " email '' her my driver license before she can talk to me again. I told her I can not send her my confidential driver license information using email because the risks of identity theft. I told her that she can verify my identity using other questions. I then asked to speak to a supervisor. After more than 1 hour of waiting, the supervisor told me the same thing. Unless I emailed the bank teller my driver license or come to a local branch to show my ID, I can not access my account. I told her I live in Texas and can not come in to a branch. I told her I had something very urgent I need her help and she can ask me other ID questions. The supervisor told me I either " comply '' with her demand or she can not help. I asked to speak to her supervisor and she said the second-line supervisor is not available but will call me. I then called several more times and were told my account is " locked '' until I sent the bank teller my driver license using email. But I was able to login to my account and attempted to " chat ''. The " chat '' person told me I have to " call ''. I told the " chat '' person they " lock '' my account. She/he then told me I had to " call '' again or come into the branch. After several " chats '' with different people, it went nowhere. The next day, no " supervisor '' ever called me.
To protect my money, I ACH my remaining balance out. On XX/XX/XXXX, I sent you a message using your electronic mail system when I login ( see attached ). I demand you stop all transactions and close my account. The next day, you replied and said you can not help but I can do it by " chat '' " call '' or " at a branch ''. I had tried all above methods except walk-in and everyone had refused to address my problems. Instead, You continued to pile up more " fees '' despite knowing my demand to close my account and stop harassing me.
On XX/XX/XXXX, I made my final request to demand you close my account and stop charging me illegal fees ( see attached ). Again, this fell on deaf ears. On XX/XX/XXXX, I received a " demand '' letter saying I " overdrawn '' my account and owed you {$100.00}. Again, the account is closed and I don't owe you any money.
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| 07/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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|
Web |
Older American, Servicemember |
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I have a BMO Harris Bank XXXXXXXX XXXX XXXX XXXX. I have always paid ahead of the due date for this credit card electronically through BMO Harris electronic banking. I receive my XXXX XXXX XXXX on the XXXX of each month since XX/XX/2023. My BMO Harris BK XXXX XXXX XXXX payments are due on the XXXX of each month. I have always paid this card on time and have not been late. I started paying on the XXXX week of each month in XX/XX/2023. I made a {$60.00} payment on XX/XX/2023, due XX/XX/2023. I was owing. It was paid through the online banking that BMO Banks has for the credit card. It was deducted from my checking account as they always do. It was credited to my credit card balance account, but the BMO credit card balance payment did not show that the payment was made. The payment for XXXX showed on the bank account as being due on XX/XX/2023, as a minimum of {$25.00}. I immediately called the bank on XX/XX/2023, and talked to the credit card department representative, letting her know that the minimum payment of {$25.00} was showing with the date of XX/XX/2023. The customer service representative stated that the credit card statement had gone out on XX/XX/2023. She stated that it was going to be adjusted. I told her it was estranged because I always paid my card before the due date, and it was immediately adjusted. I took her word it was going to be adjusted. It did not. On XX/XX/2023, the BMO XXXX XXXX XXXX had a late fee of {$25.00} even though the payment had been made on Monday, XX/XX/2023. The XXXX XXXX XXXX XXXX payment policy states, and I quote, " Payments : We will credit your payment on the date we receive it if it meets the requirements for your method of payment ; otherwise, credit may be delayed : Online - We must receive authorization to effect payment by XXXX XXXX
XXXX XXXX via our website at XXXX ''. This is precisely what I did. My payment was deducted from my checking account on the morning of Monday, XX/XX/2023. Nothing on their statement states that making a payment before the due date is a penalty. Yesterday morning, I called XXXX from the BMO Credit Card Department. And explained my concerns regarding the late fee that brought my balance to {$67.00} to {$92.00} due to the {$25.00}. XXXX stated that the statement would make the adjustment once it came out and would take off the fee of {$25.00} from my statement bringing it back to {$67.00}. I expressed my concern to XXXX and told her I did not trust the bank by one second. The bank was manipulating the payment, charging a {$25.00} fee in bad faith. I told XXXX that I would contact the President of the BMO Bank through email because I had already experienced an issue with the bank. Her answer was that she would not reverse the {$25.00} back, which is up to the bank statement to adjust the account. I will legally fight this bank because this is an injustice done to low-income people. This is not the first time this bank has committed this crime. This a crime, and I am charging and accusing the bank of stealing money from me.
Thank you for everything.
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| 11/09/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Account information incorrect
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|
Web |
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NOTICE OF DEFAULT and OPPORTUNITY TO CURE Notice to Principal is Notice to Agent / Notice to Agent is Notice to Principal FROM : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX TO : BMO Harris bank XXXX XXXX XXXX XXXX XXXX, IL XXXX DATE : XX/XX/2023 VIA : Certified Mail # XXXX RE : Loan Account # XXXX hereinafter Loan This is a Notice of Fault and Opportunity to Cure upon the presentments enclosed within the Certified Mailing, received by the BMO HARRIS Bank on XX/XX/2023 and as evidenced by Certified Mail # XXXX.
By the terms and conditions of the agreement contained in that document, since XXXX XXXX disputed the alleged debt, BMO HARRIS Bank was under obligation to timely and in good faith provide full validation and verification by providing the promissory note and signed contract with my two wet signatures of the debt under penalty of perjury within twenty ( 20 ) days pursuant to UCC and FDCPA or request an extension of time. Instead BMO HARRIS provided a XXXX credit card agreement with no signature.
The BMO HARRIS Bank 's failure to honor the offer places BMO HARRIS Bank at fault. This is the XXXX XXXX 's good faith offer to extend the time by an additional five ( 5 ) days from date of delivery to give the BMO HARRIS Bank an opportunity to cure BMO HARRIS Bank 's fault, to make the required presentment and to cure BMO HARRIS Bank 's fault.
Should the BMO HARRIS Bank fail, refuse or neglect to respond to this Notice of Fault and Opportunity to Cure, XXXX XXXX will enter a Notice of Default, as second witness, upon the BMO HARRIS Bank.
Of this presentment the BMO HARRIS Bank should take due Notice and heed, and govern oneself accordingly under the FCRA regulations. I will have all rights to sue BMO HARRIS bank for willful non-compliance and seek economic and emotional damages under the FCRA and contract law regulations.
If BMO HARRIS Bank can not validate and verify with a promissory note and contract with my XXXX wet signatures, then BMO HARRIS Bank needs to delete and remove this account from my credit profile, because it is ruining my credit worthiness to purchase a home.
Fault : " American Law - Negligence ; an error or defect of judgment or of conduct ; any deviation from prudence, duty, or rectitude ; any shortcoming, or neglect of care or performance resulting from inattention, incapacity, or perversity ; a wrong tendency, course, or act ; bad faith or mismanagement ; neglect of duty. '' XXXX XXXX XXXX, XXXX XXXX, page XXXX.
Default : " By its derivation, a failure.. An omission of that which ought to be doneSpecifically, the omission or failure to perform a legal dutyThe term also embraces the idea of dishonesty and of wrongful act. '' XXXX, page XXXX.
Promissory Note : XXXX XXXX XXXX XXXX written promise to pay a debt by a specific date. It can be turned to cash by transferring it to another party.
NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence Sincerely and with all rights reserved,
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| 11/28/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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there was a charge for a hotel thru XXXX that was NOT authorized by myself despite this being booked in my name for a reservation at the end of XXXX. I reached out to my credit card company when I saw the charge filed a dispute- they credited me. Then almost 2 months later approx on XX/XX/XXXX - they re debited my credit card for this unauthorized hotel charge for a hotel that no one has stayed at that XXXX reached out and I confirmed in writing that this was not authorized and was even a future date and the bank has not called me back from their resolution department despite calling them on XX/XX/XXXX that has been almost 10 days I have reached out to follow up at least XXXX diff times via telephone and XXXX + times in writing via their app in which I was told I had to be verified in a branch and I already did that because someone I spoke to on the phone said they couldn't verify me on the phone in which I had to take a whole day off work and goto a branch way far away as they have like no physical locations. Long story short after getting verified in the branch someone didn't properly update notes on my file or whatever so then so much time gets wasted because they tell me they can not talk to me despite me in writing telling them I went there already it took telling them this multiple time for someone to apparently actually read and escalate it or that had access to see, sooo frustrating. I was told on XX/XX/XXXX that because it was within 100 days of the charge still that it would be reopened and they would take the email I got from XXXX that I confirmed it was unauthorized to their chargeback department who asked for this and they still haven't responded. I am told that they have NO way to call in to speak to them, the person on XX/XX/XXXX told me they are outgoing calls only. this is just nuts.
I am not going to pay for a hotel room someone else tried to charge on my account that my computer had been compromised apparently and I reported this, there was no goods I purchased or received, what so ever. I can not believe that this is happening and that they are making it so difficult for someone that is communicating with them thoroughly this much of a hassle. It has now affected my credit score in a negative way after working diligently for years to restore this after a rough divorce.
The company has stated that because of the time I reached out to them after this being taken out of my account as they said XXXX is challenging something despite me telling them in writing it was not authorized and this is for a future date how this would be something I would be responsible for. I have never had any issues with a fraudulent charge/unauthorized transactions in my life this is the only time this has ever happened/occurred!
BMO / ( credit card ) has again not responded, I can not call in to speak to the people I was told must call me on XX/XX/XXXX after I went into a branch and spent a whole day taking time off work just to try to speak to them to hit a road block. I don't know what to do at this point.
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| 08/07/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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|
Web |
Older American |
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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.
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| 07/10/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
Servicemember |
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XX/XX/XXXX Dear Consumer Finance Protection Bureau : I need help with a lien on my home which should not be on there.
In XX/XX/XXXX, I had financed a 2nd mortgage from XXXX XXXX XXXX for {$10000.00}. Then, XX/XX/XXXX XXXX XXXX release my lien before transferring my loan to XXXXXXXX XXXX XXXX. Then, XXXX XXXX XXXX XXXX transferred my loan to XXXX XXXX XXXX. But did not release the lein before switching to XXXXXXXX XXXX XXXX. Which I had paid off in XXXX. In XXXX, I moved to XXXX for personnel reasons. Before I moved I made sure to satify all my loan obligations. I lived in XXXX for eight years. I was still making my mortgage payment. I had my brother staying in my home while I was gone. I was working XXXX XXXX XXXX XXXX contracting for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Then, President Obama changed the tax laws, really hurt our company with high taxes for small business. We had to go out of business.
I had to moved back home to XXXX, XXXX. I had no luck finding a job in XXXX. I almost lost my home. I researched my options. I heard about XXXX County Action Plan. They seen I had a lein on my home by XXXXXXXX XXXX XXXX.
XXXX County Action Plan, also known as XXXX XXXX Housing Finance Agency, XXXX County Legal Aid and I investigated my sitaution. We found out that XXXX XXXX XXXX was taken over by BM Harris Bank. XXXX XXXX XXXX does not exist anymore.
I contacted BM Harris Bank and spoke with XXXX XXXX the person in charge of that department. Mr. XXXX look into the matter for us. He did not see any outstanding balance or anything against my named. XXXX spoke with Mr. XXXX and was satify with his investigation. XXXX put me in the program. XXXX Housing Finance Agency helped me by paying my mortgage payments for 18 months. This program was XXXX Blessed. XXXX would not have helped me, if they thought this was not cleared. I thought this matter with the lein was taken care of and the lein was lifted.
In XX/XX/XXXX, I look in to refinance my home to get a lower interest rate with XXXX XXXX XXXX XXXX. Everything was good until the issue of this lein came up again. XXXX XXXX XXXX XXXX put their legal team on this matter. But the same thing is happening again. XXXX XXXX XXXX closed on the lein, XXXX XXXX closed to the lein. But XXXX XXXX XXXX did not sign off on the lein. Which XXXX XXXX took over the mortgage from XXXX XXXX XXXX. So, XXXX XXXX XXXX should have signed off on the lein before XXXX XXXX took over.
I tried to contact XXXX XXXX again, but he was promoted to a different position and location. No one at BM Harris has no idea how to solve this issue. So, I was referred to consumerfinance.gov by XXXX. They think you all can help me to clear this lein. You are my only hope to lift the lein and last option.
Please help me with this, I gratefully appreciate anything your organization can do to clear this lein off my property.
I also included the letter from the XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX. Which details the investigation the firm did.
Sincerely, Hopeful
|
| 09/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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BMO Harris Mastercard refuses to enter my dispute for XXXX dollars of a XXXX dollar bill from XXXX XXXX XXXX. I have never experienced this with a credit card company. The situation is that the dealership sold me a battery, and offered a free tow and to put it in. Then the bill shows {$190.00} for something called a XXXX that I did not co sent to. They claim that the XXXX is necessary for the battery to work correctly, I have inquired with other mechanics and they think that is absurd. I tried to resolve the issue with XXXX, the manager would not come out to speak to me and I was not going to enter their office area as another associate from XXXX attempted to grab my cell phone out of my hand which made the situation hostile to any reasonable persons view.
The dealership refuses to give me a print out of this XXXX, the results of it or any documentation.
They also refuse to tell me how long it is that this XXXX took- they claim it is considered an hours work, well their shops hourly rate is maybe XXXX an hour, not XXXX, and in XXXX this is called gauging. They did nothing but drop a battery in the car and that was something they offered to do with the purchase of the battery ( just like an XXXX would do... free of charge ).
Notably, as a consumer I gladly would have gone elsewhere, but XXXX is the only ones selling XXXX XXXX and they effectively have a monopoly - and that makes this mysterious XXXX something that they then force on the consumer - in my case without any prior authorization - because i would have towed the car out, taken my purchased battery, and had any other shop put it in - for free - and I would tip them.
BMO harris Mastercard are operating out of XXXX I believe, they do not operate the way we do in the XXXX, and they will just tell you that you do not have a valid case.
I had a very similar situation a year ago but with XXXX XXXX tire for around XXXX dollars, effectively XXXX looked at it and then said they couldnt fix it due to regulations... nevertheless they did not so what I asked and Instead they tried to sell me not one..but 4 new tires!. Ths credit card company accepted my dispute of the charge and it was over with.
BMO Harris also needs to answer to why they insisted I bring proof of employment, XXXX paystubs, and 2 forms of Identification to one of gheir branches foe them to unlock my card - and this is after I had used it for a purchase which made this even more strange. Their " Fraud '' department overstepped, and ultimately they did what they had to do which was unlocking my card. Keep in mind, I am in Massachusetts, and there isnt a BMO harris bank in the entire state.
So theyve already wasted alot of my time since the inception of my card account with them.
They really should not be doing business in Massachusetts, and maybe the entire country.
They need to be educated on consumer protection laws. In MA you have 3 days to dispute things as a consumer as well. They need to learn about gauging laws in the states they wish to do business in.
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| 12/24/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
Servicemember |
|
I opened up a account online XXXX weeks ago and deposited {$200.00} in my account. As I awaited my debit card, I went into the branch and withdrew {$100.00}. After receiving my card and activating it, I went into a branch location and deposited a XXXX financial aid refund. The teller advised me that the funds could potentially have a hold and to check my account after midnight to see if a portion of my funds would be released. I did as instructed and the majority of the funds showed available.
Fast forward to the next morning, which is Friday XX/XX/XXXX and I placed a online XXXX order to pick up a few gifts for my children. A few hours later, I received a call from BMO fraud department. The individual who contacted asked me various questions re why some one like me would choose to open a account at BMO Harris. I was bewildered by the question and asked for elaboration. The individual stated that He was from the fraud unit and was concerned as to how someone who only had {$200.00} to open an account suddenly came into possession of XXXX.
He then proceeded to tell me he was going to freeze my entire account, not just the check deposit, until he could speak to someone from my school to verify that I am a student, that they issued the check and the he wants to speak with someone at the bank because he believes the check to be fraudulent.
Again : I am completely bewildered. I asked him a timeline on when this would occur, seeing as we are XXXX days before XXXX. His response was BMO doesnt care about your holiday. They pay me big money to stop people from committing fraud and Im not letting you walk out of a bank with XXXX that isnt yours.
Now, Im livid. I asked him if he understood how disgusting it was to gloat about his paycheck when he is freezing my account before the holiday. His response was I dont care, Im compensated well, if you dont like it, file a complaint.
Calls are recorded, so you can verify what was said. I called back to customer service to speak with another agent. This time, I got a female rep who proceeded to tell me that shes not going to even look at my account because I already spoke with someone. I asked to be escalated to a supervisor and she said no. I told her that I would just go to a branch to see if they would call and she told me that Id just be wasting my time because nobody was going to assist me with a complaint about a XXXX XXXX XXXX.
I drive to the nearest branch anyway and attempt to log in to my account to see if there has been a update. My User Name, E-mail, Password all rejected. I call back to customer service and they tell me that someone went into the system and suspended my online and phone access. I ask why and they say no notes were left.
This is petty, unprofessional behavior and I want to make sure they are aware of how new customers are treated as I take my business elsewhere. I can understand holding the check as a business practice. But, being childish, demeaning and disrespectful was not necessary.
|
| 08/10/2023 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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|
Web |
Servicemember |
|
XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX took the late XXXX XXXX XXXX XXXX home which I resided in with her for over 5 years at least everything I was making mortgage payments. They were supposed to post a thing in the paper anybody that had any interest in property after her passing should attend City meeting. It was never ran in any paper. I looked. I was power of attorney/durable power of attorney. And making mortgage payments out of my own pocket. I also had a lease agreement with XXXX XXXX XXXX. The bank knew this. XXXX XXXX contacted me on XXXX and then ask me a lot of questions. About XXXX and if there were any executors. XXXX XXXX and XXXX XXXX XXXX owner went in and took over as far as representative and over seeing of estate. Keep in mind Court proceedings that I went to court for. Were a bill that I owed XXXX XXXX XXXX for XXXX XXXX funeral. I wasn't actually there for an eviction. Just to be removed from the premises. And hadme evicted from my own home. Where I was not squatting I had Utilities in my name. And somehow she got Bank information that was not privileged to her. Which I was behind on two payments. I was evicted from my house even though that's not what I was in court for. I was there to vacate premises for being a squatter. She didn't have to follow the guidelines of the law. And the judge overseeing the case just looked past it. Didn't make her file in the proper way in order to do what XXXX XXXX the attorney was trying to do. She is also done this to several other people and taking their homes. At least four that I know of. I don't know how this is legal. And XXXX XXXX also has a real estate company address to her law office on XXXX XXXX in XXXX Kansas but it's not stated anywhere there's no sign saying that that's what's there. But when you call mapping it gives her company plus her address which actually belongs to her law firm. It's some sick way for them to gain Realty for money cuz. If I was a squatter and I had paid utilities within this if they sold the house they'd have to give me the difference after the funeral expenses and any foreclosed type stuff such as final payment on the house through the bank was done I would get the difference according to the law here. At least that's what I've been told. But they're not selling the houses returning them into rentals. Therefore never owing anybody any money. And they let them sit for long periods of time. But reason for evicting and such a timely fashion was because they needed to get in there and wrap the plumbing before it got cold. Which it already been done because they destroyed most of the house and everything in there gutted everything. So that was never even really a liable reason to have somebody evicted And Timely fashion. It's all very confusing. And I was definitely railroaded court. I don't know how many different people have told me that that was against the wall. But I'd like to know for sure. And hope that it doesn't happen to anybody else.
|
| 03/28/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Managing an account
- Banking errors
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|
Web |
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Dear Sir/Madam, I opened a 5-year CD with BMO Harris Bank on XX/XX/XXXX. BMO withdrew the principal of {$100000.00} from my checking at XXXX XXXX XXXX on XX/XX/XXXX. BMO sent an email confirmation of receipt on the same day. The terms of the 5-year CD are the following : CD term : 60 months Interest Frequency : quarterly/every 3 months after the last pay Interest payment method : XXXX.
Interest rate : 4.162 % Interest APY : 4.25 % Maturity Date : Date : XX/XX/XXXX Last Renew Date/Opening Date : XX/XX/XXXX.
The first 3-month interest period was from XX/XX/XXXX to XX/XX/XXXX, comprising 92 days. Based on my calculations, the total interest accrued for the period should have been {$1000.00} ( vs. {$1000.00} BMO deposited for the period ).
When I contacted BMO Harris Bank regarding the discrepancy on XX/XX/XXXX, I was passed on to multiple departments and representatives in a total of one and a half hours. The Everyday Bank Specialist admitted that the first 3-month interest of {$1000.00} deposited to my CD was incorrect and that my calculation of {$1000.00} was the right amount. However, the Everyday Bank Specialist said he could not make the correction because it had to be done in the system from the back office.
When the bank 's back office was contacted, the system department was unable to correct the problem either, and I was told that I would have to visit a BMO branch to get my money back. As I live in XXXX XXXX, TX, which is thousands of miles away from XXXX where the bank is located, this is an unreasonable and unacceptable solution.
I was eventually transferred to a Solution Specialist named XXXX, who said she would also have to reach out to the back office. However, when I asked her to send me a written response regarding the issue when she heard back from the back office, she said she could not send any written response or email but would call me back in 5-7 business days. But that phone call never came.
I followed up again with BMO Customer Service and was told the correction could only be made by the back office and customer service representatives could not make any corrections. It has been more than a month since I contacted the BMO for the discrepancy, and things went nowhere. The issue remained unresolved.
I hereby request your help to have BMO Harris Bank refund my {$41.00} shortchanged for the very first 3-month interest deposit. More importantly, BMO Harris Bank needs to make sure the system setup was correct going forward as it is a 5-year CD. If the first 3-month interest was erroneously calculated, it will impact the interest compound for the remaining term of the CD ( 4 years and 9 months ).
BMO Harris Bank has a responsibility to correct its mistakes promptly and transparently. I appreciate that CFBP would investigate this matter and take appropriate action to ensure that BMO Harris Bank complies with federal regulations and treats its customers fairly.
Thank you for your help and attention to this matter.
|
| 09/23/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
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Hello- an ACH double posted on my BMO Harris account of XXXX, my balance at the time was XXXX. But because it double posted my balance went negative. I was then charged an NSF fee of XXXX from BMO, they will not reverse the full fee and are advising me that I need to bring my balance to XXXX before I can close the account. And I will also incur a XXXX early account closure fee. I recently signed up with BMO under a promotion to test drive them and switch over. Below is a transcript of my chat with them XXXX : Hi, my name is XXXX. How may I help you?
XXXX XXXX : Hi XXXX XXXX XXXX : I recently had an ACH debit my account twice for the same amount XXXX XXXX : and because of this I incurred a NSF fee of XXXX XXXX XXXX : I am wondering if this is reversible. I do not know why the ACH was taken out of my account twice ...
XXXX : I am sorry to hear about the issue with the duplicate charge. I can review this for you today. What is your name and e-mail address please?
XXXX XXXX : XXXX XXXX and XXXXXXXXXXXX XXXX XXXX : thanks!
XXXX : Thank you XXXX. One moment please.
XXXX : Thank you for your patience. I have reviewed the account. I am showing the transaction that overdrew the account was a Web payment set up directly through XXXX XXXX. Since this was not a transaction set up through the BMO Harris online banking it is not a bank error. With it being a first time occurrence on the account, I would be happy to split the insufficient funds fee and refund {$17.00} back on the account. The second transaction was returned on XXXX-17. What I wo n't know by looking at this transaction is if XXXX will resubmit that item for payment on the account. I would advise that you contact XXXX to find out if that second ACH will be resubmitted or not. Would you like for me to go over with you some options for Overdraft Protection?
XXXX XXXX : No, I do n't think overdraft protection is necessary. I XXXX XXXX : I 'm not sure I would really need the account open then if I am left with an overdraft of XXXX, does n't see worth it to me. I opened it up under a promotion and was going to test drive the account before we switched over ...
XXXX : If you decide down the road you would like to know more about our overdraft programs, please let us know as we are here to help. I have credited that portion back on the account and my confirmation number for that today is XXXX. I would advise that you make the account positive by the close of business Monday as the account can also be charged a {$5.00} consecutive day overdraft fee if the account sits in an overdrawn balance for more than 3 consecutive business days.
XXXX XXXX : oh if that 's the case lets just go ahead and close the account. thanks XXXX : Once the account is brought back to a positive balance you can reach out to us to close the account but I would n't be able to close the account until then. Plus, there can be a fee of {$50.00} charged to the account for closing within the first 90 days of account opening.
|
| 09/28/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/XXXX our HELOC that we have with Harris Bank matured/came due. I contacted Harris the prior summer to find out what my options were as I did not think I would be able to refinance. I explained that when the economy crashed, my husband was laid off from his job as a XXXX XXXX making $ XXXX. Since it took so long for the economy to recover, he had to make a career change and became a XXXX. He want from making $ XXXX to a first years XXXX salary of $ XXXX. It took him 9 months to find a job. During the same time frame, I was in a horrible car accident and had a lot of medical bills as a result.
We were referred to the Loss Mitigation Dept. at Harris and put in touch with XXXX XXXX XXXX. XXXX as so helpful, kind, and compassionate. We were offered a 6 month Stipulation plan and had to pay {$260.00} each month. We were told that if we make these payments on time that Harris would be able to help us work towards a permanent solution. As promised, XXXX contact us after we made 5 payments. I faxed her the paperwork she requested. A few days later XXXX contacted me apologizing stating that she could no longer assist us because our loan was now being handled in a different department and our HELOC was being charged off. When I inquired why this was happening, XXXX was not sure and confirmed that I had made all of our payments on time.
That same day I contacted the department that was now handling my HELOC. They told me that my only option is to put this loan into a 5 year loan and make payments of {$1400.00} a month. I explained to her that I can not afford that high of a payment. She told me this was my only option. She told me I could make lower payments if I wanted but that would not guarantee that Harris would not pursue legal action/foreclosure on my house.
I dont feel what happened here is ethical. We followed our end of the agreement on the good faith that Harris was working with us and that they would follow their end of the agreement. See below a copy of the email I received letting me know about the Stipulation Plan.
Email from Harris regarding Stipulation plan. I copied it onto this document. I am happy to forward the original email. I do not have the contract/paperwork I signed on email, but Harris should have a copies of that paperwork.
Email dated : XX/XX/XXXX : Hi-Management has approved you for a 6 month stipulation plan. 1st payment due on XX/XX/XXXX. Amount is {$260.00}. The 6 month plan is temporary to allow you time to improve your debt to income. Once you make your 5th payment, we will send you another package to get updated information in the hopes that things have improved so we can get you into a long term solution. Please call or email with questions/acceptance. If you accept, my closer will send you a letter with the payment due date and amount. Thanks. XXXX ( I included the copy of this email here because every time I tried to attach it below I lost everything I had typed. )
|
| 05/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
I opened XXXX accounts with bank of the west in XXXX XXXX California. Personal checking and savings. Everything was good until i received a noticed that I couldnt deposit some checks from a job o had done 3 months prior but barely I was getting paid. I deposited a check and the bank teller last name XXXX, asked me questions where was it from and why it was given to me. When Im the check memo said it why. Then she said if the issuer of the check was going to give me more checks then I replied yes. Then she went ahead and ask why couldnt they wire the money instead. Then I replied well Im not sure as long as i get paid for the job that I did. I dont care how they pay. Then she went talked to manager assistant then proceeded to deposit the check. I went in a couple of days later to deposit another check and the same thing I got question. At this point I felt singled out and also profiled. The 3rd time I went she went and spoke to her manager again and she started to question me more then said she would need some type of prove for the job that I did. Ive never had this done to me before and thats when I felt singled out for sure. I got question more and then she said she will hold on to the check until I send prove invoice or the job. I did so later on that day and the same day the manager XXXX XXXX XXXX called me and spoke to me and told me they couldnt take the check and to please pass by pick it up. By this time the rest of the finds where being hold and she notified me that my account was going to be placed under investigation by them. Not telling me why or the reason. So in my mind it was because of my race. But I dont want to think like that. Then I walked into the branch trying to get a letter stating that my account was under investigation but they refused to give me one then the manager XXXX was not there but the assistant manager was there and was being rude to me telling me she was not aware of it and that she didnt know what was promise to me or nothing. While the whole time I was calm she was getting upset raising her voice telling me she couldnt give me no letter and telling me she wasnt there. Instead of saying let me look into it or hold on let me check your account nothing she did not help at all very unprofessional and need more training. After she just told me Im walking away know like if she didnt want to assist me for personal reasons but thats the first time Ive ever spoken to her. This was around the begging of XXXX and ever since XX/XX/XXXX my account has been on hold with my money in there I was left with no money and still have no money at all. I havent paid my bills nor my rent and I called but the manager is out no one to help me at all. I feel useless and helpless I had a very horrible experience with this bank and I just want my money so I can go ahead and bank some where else. The funds left the account that paid me so banco of the west got paid and has the money from the checks.
|
| 11/01/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
BMO Harris holds out mortgage. Our primary residence suffered a water leak in the master bathroom. We completed the repairs to the master bathroom this summer and filed an insurance claim for the repairs with our insurance company. The insurance company made the app {$38000.00} check out to both my husband and I ( the mortgage holders on the home ) AND BMO Harris.
On XX/XX/XXXX I was advised by BMO Harris that I would ned to drive to the closest BMO Harris branch to have the check endorsed back to me so I could deposit the check in my bank. I drove over 2 hours each way to the closest BMO Harris branch ( in XXXX, FL ). While there I was told to wait in XXXX for the day and I would have my endorsement stamp taken care of by the end of business. While at the branch I was forced to endorse the check with my signature and hand it over to the back clerk there. After waiting for many hours, at the end of the day I was informed that I would not be getting the endorsement I was promised. That the BMO Harris XXXX Branch needed to send my check to the XXXX Escrow office for an endorsement stamp and that it would be forthcoming within the day.
My husband spoke with XXXX with BMO Harris Customer service who passed along our request for information. After not hearing anything from BMO Harris the morning of XX/XX/XXXX I finally spoke with an Escrow employee who answered the ohone when I called. Her name is XXXX. She informed me that we would need to undergo an inspection to verify that the repairs were done as stated, that an inspector would call me before the close of business, and would come to our house the next day to complete the required inspection so the endorsement could take place.
The inspector did not call that day, but when he finally did call I learned he was unable to inspect until Tuesday XX/XX/XXXX. He inspected on XX/XX/XXXX and assured me that his report showing the repairs were 100 % complete ( as I had claimed ) would be to his manager 's desk by XXXX that same day. BMO Harris had previously informed me that if the inspector 's report stated the repairs were compete and that report was received by XXXX, then the check would be endorsed by BMO Harris and overnighted to me for next day delivery.
Since the morning of XX/XX/XXXX I have been trying to get a return phone call from BMO Harris about the status of my nearly {$38000.00} check. I have called every day since XX/XX/XXXX and left a message. They refuse to return my phone calls. Their voicemail message states they will return calls within 24 - 48 hours. Its been going on FOUR days and I have not yet gotten a return call. I would like answers as to where exactly is my {$38000.00} check, and why has it not been returned to me, endorsed.
I find this treatment extremely disrespectful and certainly unfair that they are holding my {$38000.00} for no reason whatsoever and refuse to so much as advise me as to when it will be sent to me.
|
| 12/19/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Older American, Servicemember |
|
XXXX XXXX, XXXX Consumer Financial Protection Bureau Dear Complaint Department : In XXXX we took out a Line of Credit loan from BMO Harris Bank. In XXXX we learned by letter that our loan was coming due in full on XXXX XXXX, XXXX. We had no idea a Line of Credit loan matured with a balloon payment 15 years in the future. It was a Line of Credit! We always made our loan payment of approximately {$90.00} per month on time and never late. Around three years ago, we started increasing our monthly payment to {$150.00} per month. This allowed us to pay on the principle and pay off the loan quicker.
When we were notified that the full balance of the Line of Credit was coming due XXXX XXXX, XXXX, we tried to refinance our home mortgage including this balance of {$40000.00}. But because of our financial hardship at the time, we could not qualify.
I 'm a XXXX Veteran with a XXXX XXXX. Once again, we tried to refinance our home mortgage, and this time we qualified. We were also able to lock-in a very good interest rate before they recently increased. Everything was going great until BMO Harris indicated we were 252 days late on our Line of Credit balloon payment. Even though we were continuing to pay our monthly payments on time, we were trying to include BMO Harris as a Subordinate positon to our home mortgage and get this loan active again... they refused. See, they have already written off this Line of Credit loan. But because BMO Harris wants to play hardball, we are going to lose our lock-in and may not ever to be able to qualify for a loan again. The interest rates have already gone up since we locked-in this great rate.
Our lock-in expires XXXX XXXX, XXXX. This means we must pay an additional {$300.00} to lock-in for two more weeks. BMO Harris is intentionally blocking our refinance opportunity knowing we are about to lose our lock-in. This after being loyal customers for over 40 years. I guess if you are meeting their expectations you are FAMILY, but once you fall out of place they treat you as if you have the plague.
After making phone calls to BMO Harris ' Loss Mitigation department over several weeks, XXXX recommended providing them with a settlement letter. We could come up with {$10000.00} from a friendly legal outside source. I spoke with XXXX, the Team Leader through XXXX and XXXX has declined our {$10000.00} Settlement offer. XXXX requested {$24000.00} as a Settlement, but {$10000.00} is the maximum amount we could obtain.
We do n't understand why BMO Harris would intentionally block an opportunity to receive our {$10000.00} Settlement offer, or get this {$40000.00} loan back on the books and let us pay our monthly payment again like we have for 15 years.
We can extend our lock-in two more weeks, at an additional cost of {$300.00}, and then all hope is lost. Why is BMO Harris being like this?
Please help us.
Sincerely, XXXX & XXXX XXXX XXXX XXXX XXXX
|
| 01/20/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
To whom it may concern, In XXXX of XXXX, we applied for a mortgage with Harris Bank, now BMO Harris.
1 ) The loan origination process was full of errors and inaccurate appraisals were used by the bank.
a. Functional Utility : All properties were Average Utility yet the comps were all adjusted by {$3000.00} up which shouldnt be.
b. Gross Living Area : The square footage on all three comps was taken from the assessor, except for the property. Adjustments are inaccurate. The appraiser adjusted approximately {$50.00} a square ft the box for public water is checked, the house is on well water Age of comps. Most comps are within 6 months- Some of comps used are over a year old.
Information does not align with assessors office for property as stated in comp.
Breach of Contract and Inaccurate interest rates : The loan was signed on XX/XX/XXXX in the amount of {$530000.00} with interest only for 3 years and an adjustable thereafter. In XXXX, the loan did not convert to Principle and Interest per the schedule. We inquired with the bank and no one would answer or respond to our inquiries. I made numerous attempts to try to get the bank to respond to why the loan did not convert per the note. In XXXX, my daughter made a contact with one bank VP through XXXX to try to get some additional attention. At this point, the loan had not converted after nearly 4 years. In XX/XX/XXXX, that bank VP acknowledged that the loan was not serviced properly and applied a " temporary fix '' ; a fixed P & I rate for 1 year and a discounted rate thereafter. The bank has admitted to multiple other errors on this loan including charging inaccurate interest rates, having to make multiple adjustments and issuance of checks to my husband and I with little to no explanation or support for their calculations.
In XXXX, we finally reached someone with BMO after additional filings with other agencies who referred us to the CFPB. The contact provided all of the support to evidence the breach of contract and acknowledged the breach. They offered us a fixed rate mortgage at 4 %, only if we sign an agreement waiving all acknowledgements of the bank 's breach of contract by failure to convert this loan to P & I in accordance with the note along with any other errors. This breach of contract has cost my husband and I approximately 60K and years of time and effort to try to get someone to acknowledge there was an issue.The bank argues that we could have paid more, above our owed interest amount, however why would we pay more if we know our payments are not applied correctly and we can not obtain statements from the bank with principle and interest due.
Summary of note issues : -Breach of contract- loan did not convert to P & I in accordance with note -Inaccurate interest rates charged- XXXX, XXXX -Errors in transaction history resulting in inaccurate XXXX, causing customer to refile with accurate rates.
|
| 03/14/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Bounced checks or returned payments
|
|
Web |
|
|
BMO Harris Bank ( XXXX XXXX XXXX ) XX/XX/2018 : There is a pending charge of {$150.00} on my checking account. At the time of the charge pending there was only about {$6.00} in the checking account. To avoid fees and returned items the bank advises to make a deposit before XXXX CST. I make a deposit of {$140.00} cash with a receipt time stamp of XXXX XX/XX/2018 ; I go on to deposit {$160.00} in a check from a local bank with a time stamp of XXXX XX/XX/2018. The next morning about XX/XX/2018 about XXXX I check my account online and see that the only deposit showing is the check deposit of {$160.00} ; the cash deposit is no where in sight. I contact the BMO Harris 24 hour customer service line and I speak with a representative who informs me that she also is not showing a cash deposit and advises me to launch an investigation. I do so by providing the deposited amount and the ATM location. My main focus at this time is to ensure that the pending item is paid. I am advised to contact the ACH department before XXXX CST to request the item to paid. I do so and am denied with the bank citing no available funds to honor payment of the {$150.00} item ( my account was still reading a negative balance of - {$140.00} at close of business XX/XX/2018 ) and I was charged a {$35.00} returned item fee from BMO Harris and later a {$25.00} returned check fee from the merchant. I stayed on the phone with this bank from XXXX until close of business XX/XX/2018 ; to no avail my item was returned. On XX/XX/2018 the {$160.00} check deposit was made available, the {$140.00} cash deposit was made available, and {$140.00} provisional credit ( for the missing deposit ) was made available, there was a reversal of a provisional credit of {$500.00} leaving my account negative $ XXXX. I made a deposit of {$840.00} ; however XX/XX/2018 is a weekend day and I was charged an overdraft fee of {$36.00}. On XX/XX/2018 the provisional credit of {$140.00} was reversed and debited back to my account ; I requested the bank to credit my returned check fee of {$35.00} and {$25.00} as well as the overdraft fee of {$36.00}. BMO Harris denied my request citing previous reversal of fees as if they were doing me a favor and all of this was not contributed due to a bank error. I have spent over 14 hours trying to resolve this matter ; no one listens and no one seems to care.. Please note the morning in which I opened the investigation I did not have my receipt from the deposit as I had thrown it away ; to aid the investigation ; I left home at XXXX to go through trash at a laundry mat where I had thrown the receipt away, on the way home I have a car accident ; I call BMO Harris to inform them I now have the receipt to add to the claim and the representative says she doesn't need it, the investigation was already sent! Horrible service a perfect example of why companies need to use uniform customer service.
|
| 12/11/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
On or about Sunday XX/XX/XXXX, I went on-line to my BMO Harris bank to review the status of a CD, Money Market and two checking accounts. One is a business checking account in the amount of {$19000.00} and one is a Smart checking account in the amount of {$5000.00}. However, the Certificate of Deposit, {$1000.00} and Money Market, over {$8000.00}. Over a 6 year period I have been seriously sick and was not able to keep a close eye on my funds. My relationship with Mrs. XXXX XXXX began in XX/XX/XXXX. Mrs. XXXX has hidden these accounts from mean line from time to time because I would question her about it. These Accounts were not available for viewing on XX/XX/XXXX.
I called the customer assistance number and I was told that the CD account was closed on XX/XX/XXXX with no additional information available. I was told to contact BMO on Monday XX/XX/XXXX during regular business hours.
I called and spoke to XXXX XXXX, Personal Banker at the XXXX XXXX location in XXXX, IL. Mrs. XXXX told me that the CD was closed and the funds had been sent to the State of Illinois, Treasurers 0ffice of unclaimed property because BMO couldn't contact me via mail. My address has always been up-to-date because I receive mailings from XXXX XXXX, financial advisor on a monthly basis. I asked to speak to the Manager. Mrs XXXX XXXX, Manager at BMO 's XXXX branch, who was my first Personal Banker at BMO and is the person who recommended and opened the XXXX and Money Market accounts for me. Mrs. XXXX told me the same that I needed to contact the Treasurer 's unclaimed property division.
On or around XXXX the same day I went to the XXXX branch in XXXX and met with Mrs. XXXX and Mrs. XXXX who have been my personal bankers for the past 6 years. I told them that I have 7 accounts with BMO, 3 investment accounts with XXXX XXXX, two checking accounts, one CD and one Money Market account. I was unable to view the CD or Money Market accounts. I told them they had no right to close these accounts without my written permission. Mrs. XXXX acknowledge the CD but completed denied any knowledge of the Money Market. I told them that I plan to file complaints and contact an attorney. Prior to leaving the bank, I withdrew {$17000.00} from the business checking account and {$4800.00}.
On Tuesday XX/XX/XXXX, I received a telephone call from Mrs. XXXX stating that the CD account has been re-opened and asked me not to contact the State Treasurer because they will contact them on my behalf. Mrs. XXXX said she will keep me updated on their process on recovering the money.
On today, XX/XX/XXXX, I called and left a voice message with Mrs. XXXX making her aware that I found documentation of the Money Market account and that something fishy is going on and that Iam in the process of researching my legal options are because I have never received any updates on the CD or Money Market accounts in 6 years.
|
| 04/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
This complaint is against BMO Harris Bank N.A . I communicated with BMO from approximately XX/XX/XXXX through XX/XX/XXXX regarding obtaining a home mortgage. My main point of contact was with XXXX XXXX, the mortgage banker. Initially, I requested a quotation from XXXX for mortgage rates and fees. After subsequent emails and conversations, I told XXXX that I wanted to go with her initially quoted interest rate ( of 4.1 % ) and initial fees quoted which did not include points. I communicated that I did not want to buy the rate down. I also communicated that I wanted to lock in the quoted rate. XXXX informed me that the rate was locked. I later received paperwork in the mail to sign off on and I noticed that the box for a locked rate was not checked. I informed XXXX and she assured me that my rate was locked. As the mortgage process went on I continued to receive documents with points added to the cost of my agreement. I communicated this to XXXX and constantly reiterated that I had not agreed to that and did not want to pay for points. She informed me that it turned out that my rate was not locked in when she thought it was because of a system error and that there was nothing she could do to remove the points. She admitted that it was the banks error. I subsequently requested her supervisors contact information and she gave me XXXX XXXX XXXX contact information. XXXX told me she informed XXXX XXXX of the situation. I also contacted XXXX XXXX on more than one occasion by phone and email and never received any communication regarding a resolution to this issue.
In the midst of all this, I continued to receive bank documentation to sign off on which had points added on that I had not agreed to. The documentation came with deadlines by which I had to sign and return the documents so I felt under pressure to meet the deadlines so that I would not be in breach of contract with the seller of the home I wanted to purchase and be in jeopardy of losing my earnest money. My real estate lawyer informed me that I did not have enough time left in the process to find another banker and secure a mortgage without being in breach of contract. Therefore, I marked up some of the loan documents, and signed them, indicating that I did not agree to the points that were added on.
In summary, I made phone calls and sent many emails to XXXX and XXXX XXXX and in the end, {$380.00} was added to my closing disclosure that I did not agree to. XXXX replied to my emails and calls but said there was nothing she could do to remove the points. XXXX XXXX returned one of my calls and said that he would look into the situation and get back to me. Afterwards, some time passed during which he did not get back to me. I followed up with emails and phone calls and still did not receive anything back from him in regard to any progress or a resolution to the issue.
|
| 03/02/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Hello! In XX/XX/XXXX, I received a promotional offer from BMO Harris where if I set-up a Money Market and Savings account and fulfilled the requirements, then I would earn the {$700.00} bonus offer. I had received the promotional code and opened up my accounts on the BMO Harris website where I entered in the promotional code at least three times during my account set-up. I made sure to complete all necessary requirements to qualify which included : depositing {$10000.00} into the savings account within first 30 days, link direct deposit to Money Market and have at least {$6000.00} within 120 days of account opening, and completed at least 10 transations. In XX/XX/XXXX, I reached out to BMO Harris on the mobile app where I submitted an email inquiry checking on the status of my bonus. On XX/XX/XXXX, an employee named XXXX confirmed that I met all requirements and the bonus will be paid approximately 150 days from account opening date of XX/XX/XXXX. On XX/XX/XXXX, I followed up requesting an update and received no response. On XX/XX/XXXX, I printed off all of my documentation and went to a neaby BMO Harris branch in my city. The address of this bank is : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. A banker named XXXX XXXX ( XXXX, XXXX ) then said there was nothing they could do to help since I opened the accounts online and not at a branch. They directed me to call the toll free number XXXX in order to speak with a representative about the status of my promotional bonus. I called in to this number multiple times and the representative claimed that my promotional code was not showing up on my account and there was nothing they could do about honoring the bonus I was owed. They did not provide any assistance with helping get this issue resolved and help try to keep me as a banking customer at BMO Harris. After these calls, I reached out to the BMO Harris XXXX page to try and be directed to a representative that would be of better assistance. I was directed to XXXX where I spoke with him on the phone and he asked me to send him an email with all of my documentation and that he would escalate this issue with the marketing team. I sent my first email to XXXX on XX/XX/XXXX and the email was : XXXX. I received no response from this email, so I followed up once more on XXXX. Throughout these last few months, BMO Harris has been difficult to work with in order to resolve this issue. An employee named XXXX confirmed that I successfully completed all requirements, but I have yet to receive any bonus payment. At this point, the only reason I haven't closed my accounts with BMO Harris yet is because the bonus is still pending. This experience has been upsetting as I wanted to remain a BMO Harris banking customer, but the customer service shown has been disappointing. I sincerely appreciate any assistance with this issue. Thank you!
|
| 01/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The response given by XXXX is XXXX of XXXX is arbitrary and capricious as it does not definitively state the action that was taken.
The same debt is reported two ( 2 ) times on my credit, by the same creditor with varying names and account information. i.e.
Account Name Account Number Balance Monthly Payment BMO Harris Bank N.A . XXXX {$250000.00} {$0.00} Harris XXXX XXXX XXXX XXXX {$0.00} - - - In response to my latest complaint, BMO Harris Bank has changed their reporting name on my credit report to Harris T & S ; An entity that I have never done business with. See Exhibit XXXX XXXX XXXX Credit Report vs. Exhibit B-XXXX XXXX XXXX Credit Report. Further, this is a separate legal entity. This is deceptive and problematic. As one can further see, the balance has once again reverting to a balance in excess {$250.00}, 000.00 in opposition to the {$170000.00} amount they allegedly verified to support this information remaining on my credit report. See Exhibit A & B respectively.
Further, upon closer examination one can see that it is the same debt etc... I reject the contention that Harris Bank or Harris XXXX XXXX XXXX verified this debt. The issue and contention is relative to Harris Bank/ Harris XXXX XXXX XXXX accounting of my account that facilitated the delinquency of the account ( s ) in question. Further, it is fundamentally impossible for them to have verified the account as stated, as by their own admission and conduct stated, in XXXX of XXXX, that they had not previously provided me with any account statements. Also, the check from BMO Harris accompanying the XX/XX/XXXX letter, as a form of restitution, underscores and supports that there was and is outstanding accounting issues.
In addition, most recently in XXXX of XXXX BMO Harris followed up with a letter in support of the restitution they offered related to accounting inaccuracies in XXXX. See Exhibit C and D respectively. This is clear cut evidence that there are discrepancies.
Further, it is not reasonable to assert that a company who intentionally provides misleading and patently false information and changes its name to avoid culpability and liability is credible.
Therefore, Harris Bank has not verified the debt; continuing to report the same debt twice. Under the Fair Debt Collection Practices Act you, as a Credit Reporting Agency, are required to remove erroneous and unverified information from my account. And as a direct proximate of that FDCP Act, I am formally requesting that this erroneous information be removed promptly.
This is the third ( 3 ) time that I have pointed out these discrepancies and as a recorder of, life determinative, information it is your fiduciary duty to ensure that the information is accurate and correct while following the prevailing statutes and regulations. Failure to do so is a violation of my rights.
|
| 02/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
XXXX. I received an unsolicited offer by mail from Bank of the west for a credit card saying that if I spend certain amount in XXXX months - they will offer a credit of {$200.00} sometimes in XX/XX/XXXX XXXX. I applied and got the Credit card XXXX. I used the XXXX to pay for some bills so that I am eligible for {$200.00} reward XXXX. When it was time to pay the bill - I paid most of the amount minus {$200.00}. I called their XXXX XXXX and they said they helped me apply the reward amount to the balance payment of the bill. The XXXX XXXX did not tell me that there is a time lag between applying the reward amount applied to pay the bill and the actual posting of the amount towards the bill.
XXXX. After this I did not use this XXXX to charge any other amount.
XXXX. A few days back I received a bill for {$54.00} from the bank of the west for this XXXX XXXX. I called the number given on the back of XXXX and was told that reward was applaied on XX/XX/XXXX while bill was due on XX/XX/XXXX and thus there was a late fees of {$27.00}.
XXXX. As I had not used this XXXX for any other transaction- I did not check my monthly statement.
XXXX. The customer service of the Bank XXXX told me that since I had not paid the first late fees of {$27.00} there was an additional alte fees of {$27.00} and tne total amounto be paid was {$54.00}.
XXXX. I explained that I was not told about the lag time in applying the reward amount towards the payment of the bill- I should not be charged {$27.00} as the late fees and thus if thje first late fees is waived - the second late fees should be waived automatically. The Customer services rep stated that the system does not allow them to wauve these fees XXXX. I requested the rep to cancel my XXXX and she said that it can not be canclled unless I pau the {$54.00} XXXX. I then went to Bank of the west XXXX located ar XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and met XXXX XXXX XXXX,, XXXX XXXX Banker ( Phone Number XXXX ), Email address - XXXX. She called the bank XXXX line and requested them to waive off the {$27.00} fees and was successful in getting the first {$27.00} fees waived. XXXX pleaded with the XXXX to waive the XXXX fees as it had not justification after the first fees has been waived. XXXX- the XXXX rep called his supervisor XXXX who expressed his inability to waive the XXXX {$27.00} fees. XXXX expressed her frustration to me stating that their XXXX group do not even listen to them.
XXXX. I requested XXXX and XXXX XXXX to give me the Email address of the customer service for XXXX. Both told me that I should XXXX it and find this out. I havre XXXX it for XXXX minutes and there is no place they give the email addresses of the customer service VP.
XXXX. This bank seem to be behaving like a rogue and That is what I decided to take the time to file the Complaint with CFPB
|
| 05/10/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
To Whom it May Concern : I am writing a complaint in regards to an outstanding balance I owe to BMO Harris Bank for a XXXX XXXX XXXX that is affecting my credit score. I am writing because I feel as if I was treated unfairly. I was going through a divorce at this time and I owned a XXXX XXXX XXXX, loan through a different bank, and my husband at the time owned ( loan was in my name ) a XXXX XXXX. When we separated I was left with the two cars and was not able to pay for both so I need to get rid of one. I went to XXXX XXXX, where I had bought my first car, to see if they would help. At this time, I had no idea what I was going to do with 2 car loans. When I arrive at XXXX they had told me I could trade in both my vehicles, both had depreciated value, and get a new car. Once this was in place I bought a XXXX XXXX XXXX. Going through the process of the loan, the car was worth around {$24000.00} but with both my bad equity from the two cars I already owned I ended up getting a loan for {$35000.00}. My car payments turned out to be around $ XXXXmonth for 7 years, which is very high. I said ok due to knowing I had to get rid of one car and being in a very emotional a distressed state of mind due to the divorce and worries of the payments I would have to make for 2 cars. I have made the payments for about 2 years and at that point was going through a transition with jobs due to the company going out of business so I returned the car back to BMO Harris. Once BMO Harris took the car they were to auction off the car, I received a letter stating the car was sold for around {$12000.00}. This still didnt cover what I owed to BMO. I still owe BMO Harris Bank {$17000.00}! I dont understand after making payments for so long that I would not even make a dent in my loan. I do not feel I should have received this loan in the first place knowing that it was too high of payments and income but that it was well over the value of the car its self. This is on my credit as a delinquent payment and is putting a hold on my future of buying a house. This has affected me with being able to be approved on even an apartment due to the bad credit. I dont feel I was treated fairly and was taken advantage of by being in a vulnerable state of mind, being very young and naive. I have requested from the bank to receive the loan agreement, payment history, and the auction amount but was denied this information. What I would like to see in the end if we could settle a balance on the car that is manageable to pay off that would make sense for all payments I have made or possibly forgiving the loan. I would like to buy a house in the near future but this has put a hold on things. Not only has this been a problem to get a house but this has been a problem everywhere. I would like to settle things to see my future in a better place. Sincerely,
|
| 10/31/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened an account with BMO in early XXXX, XXXX after receiving a marketing promotion in the mail with a bonus for opening an account. I was in the market for a new local bank and the marketing worked.
-On XX/XX/XXXX I deposited a check which was my paycheck from my work, the amount was {$1100.00}. This was a mobile deposit using the BMO banking mobile app. I had also deposited {$200.00} in the checking account via electronic transfer from my existing/previous bank account outside of BMO.
XXXX XX/XX/XXXX when checking my account I noticed that I was locked out of my online banking accountwhen logging on the BMO site said my credentials or password were incorrect, and to reset my password. The reset password flow did not work and I was still locked out of the account.
-On XX/XX/XXXX I visited a BMO branch bank in XXXX to regain access to my account.
-After getting mobile banking access reestablished, I noticed that I could see the balances of my account but was unable to move money between the BMO checking and savings accounts.
-I called customer service on XX/XX/XXXX and was told that my account was under investigation for fraudulent activity. After multiple calls I was told that the XX/XX/XXXX paycheck was suspected of being fraudulent. I asked for more information on this but was not given any.
-I asked the fraud department to have a manager call me about the issue, I was told this would happen but it still has not as of XX/XX/XXXX.
-I was told that the investigation by the fraud department would take up to 14 business days, however on XX/XX/XXXX a Customer Service Representative from BMO stated that my account would be closed after the investigation, and that a cashiers check would be mailed to me at some point after that ( potentially in XX/XX/XXXX ).
-I asked for information in writing regarding the status of my account and further information in writing when the status of my account was updated or resolved. I have still not received any information in writing as of XX/XX/XXXX.
-I have been working for my current employer since XX/XX/XXXX, and have deposited or direct deposited all of my previous paychecks to my existing/previous checking account WITHOUT ISSUE.
-I contacted my employer HR and they confirmed that BMO has drawn the money from that XX/XX/XXXX paycheck as of XX/XX/XXXX.
-I am distressed that my money has been taken and frozen by BMO with little information and no updates about the status of the investigation, and further, that when I have requested information from managers that these requests have been verbally confirmed, but not resulted in any calls or updates.
-I have spent over 4 hours on hold on the phone, and visiting the branch in person, in regards to this account frozen issue.
-I have paystubs and bank statements showing my previous paychecks from my employer.
|
| 02/07/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
Servicemember |
|
I am filing this complaint because when Harris Bank upgraded its online mobile and online banking system, it opted me in to services I did not agree to and is not allowing me access to my overdraft line of credit balance and payment history. On XX/XX/19, Harris upgraded its online and mobile banking platform without prior notification to customers. When I attempted to log in on XX/XX/19 via my mobile device, I received an error message advising me that the app was no longer active and advised me to download the updated app. Harris Bank has multiple apps and the message did not specify which app to download. After several attempts, I did have the correct app but it kept crashing when I tried to pay my bills. I paid my bills online via my PC and sent a message to the Bank via my online messaging center regarding the functionality and difficulty with this new platform, but received no response as of this date. On XXXX I contacted the XXXX help desk to ask how I can turn off the constant e-mail messaging I was now getting from Harris each time a bill was paid from my account and how to de-activate the e-bill option. Harris had started converting my bills to e-bills without my consent. While this conversion was only for 90 days and I would still receive paper bills, it was a service I did not opt in for and they had no method of allowing me to cancel it. After being on hold for 1/2 hour, I did reach a representative who was not able to assist, even after troubleshooting with me. She transferred me to technical support and my call was dropped. No one called or emailed me back with additional information. On XXXX I received a notice that my overdraft line of credit activated. When I logged into my account both via PC and mobile, I could not find the line of credit. It was not listed with my accounts as it had been in the past. I called the help desk and the rep was not able to assist me and did not appear to be familiar with the new platform. She transferred me to technical support. I am typing this while on hold, clocking in at 45 minutes now. During a review of BMO 's mobile app since the new platform, I noted 473 1-star ratings and 54 2-star ratings. Harris ' XXXX feed has dozens of complaints related to this upgrade. The BMO digital app for XXXX also has dozens of posts of users being frustrated with this app. The saving grace for the individuals posting on XXXX and XXXX app platforms is that they received a response back from Harris. I have yet to be contacted. I was told by the rep that if a call is dropped, they are not allowed to call the customer back. I have now clocked in at 53 minutes on hold and will hang up. Harris Bank has a responsibility to listen to these complaints and at minimum, have appropriate ( trained ) staff available to handle calls and consumer complaints.
|
| 12/28/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
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Subject : Problem related to inability to obtain a loan modification I have been working with BMO Harris Bank ( BMO ) to obtain a loan modification, since XX/XX/2021. Unfortunately, they have been uncooperative and unwilling to assist me.
The process of requesting a loan modification began in XX/XX/2021 and I have submitted documents that were requested by the bank on many occasions. Some of these occasions included : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have called on several occasions to find out the status of my application and wrote directly to find the status of my application as well. The last call I made I was informed that my application was denied on XX/XX/XXXX ( I believe ) because I did not provide a copy of my contract with my current employer.
This information was not initially requested from BMO so it is unclear to me why the rules suddenly changed. I included in correspondence with BMO on XX/XX/XXXX, stating that I could not provide a contract with my employer, because I did not sign a contract. I have never been provided with a signed contract and Georgia is a " right to work '' State where an employer is not obligated to provide XXXX. In addition, I provided BMO with my bank statements showing the deposits of income received from this current employer. My monthly paystubs were also submitted to BMO reflecting the money received as well as a W2 and the pay schedule issued by my employer.
BMO failed to take the time to contact me for additional information and clarification knowing that I had been working with them consistently since XX/XX/2021. It appears that BMO 's tactic was to deliberately deny me rather than to communicate what was needed. Their reluctance to assist me during a time when I was cooperating with them gives the appearance that there were other motives for their denial.
Suddenly, I received a new application stating that I must complete the same extensive paperwork again. It makes no sense when the circumstances will still be the same and it appears to me that this is being done to frustrate me so that I will become discouraged. Instead of making it very difficult for me, BMO should be providing me with help. This practice of BMO is unacceptable and denies some customers an equal and fair opportunity to receive a loan like others. I am requesting that this matter be investigated and their practice of denying " without asking '' stops.
It takes a lot of time to complete the loan paperwork as well provide the requested documentation for it to not be taken seriously. I spent numerous hours gathering documentation and there should be no reason for their denial.
Your assistance is requested to receive fair opportunity to get loan modification. Thank you very much for your time and efforts.
|
| 02/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
This is an additional complaint as the response from Bank of the West from Complaint ID XXXX did not make sense as the complaint was not regarding reporting to credit bureaus. The complaint was issued pertaining to an unauthorized charge that I disputed within reasonable time and through a reasonable way, the online banking portal.
Within Bank of the Wests response from the previous complaint Bank of the West never mentioned that they reviewed the conversations I had with their Online Banking department like I stated in my initial response. Bank of the West also did not review the unauthorized charge communication I sent through the online banking portal, which would have shown that I contacted Bank of the West about the unauthorized charge from XXXXXXXX XXXX XXXX within the appropriate time frame. Bank of the West did not adequately respond to the complaint since their response was very generic and did not provide any detail about what they actually reviewed. Rather they only focused on repeating what I had mentioned within the initial complaint.
Initial complaint from Complaint ID XXXX : On XX/XX/22 my Bank of the West checking account XXXX was incorrectly charged by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) for {$53.00}. Before this, the checking account was not used until the unauthorized charge. I disputed the charge from XXXXXXXX XXXX XXXX through Bank of the West 's online banking system. However, when I tried to see the status update I was unable to access my online banking as they took my permissions away due to the unauthorized charge overdrafting the checking account. I called Bank of the West multiple times and they assured me that they put notes on my account regarding the situation. I was told to dispute the charge through the Collection Agency ( XXXX XXXX XXXX XXXX ) by someone named XXXX from the Online Banking department, which I did. XXXX also assured through a phone conversation that the charge would be taken care of since it was unauthorized and there was a mix up of disputing the charge through online banking. Today ( XX/XX/22 ) I received documents in the mail stating the XXXX XXXX XXXX spoke with Bank of the West regarding the situation, but Bank of the West decided to continue the collection. There is absolutely no way I can obtain proof from XXXX XXXX XXXX that the checking account from Bank of the West was indeed authorized to be charged. There is also no proof that has been sent to me from Bank of the West or The XXXX XXXX XXXX that either of the companies did any type of investigation into this matter. I went through the proper channels to dispute the charge and Bank of the West decided to ignore the dispute and escalate the charge off that included the unauthorized charge and two overdraft fees to collections.
|
| 05/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I bought a new car in XXXX of XXXX. I was financed through BMO Harris Bank from the dealership. I have a high credit score so financing was not a problem. After obtaining the car and the loan, the vehicle was totaled on XX/XX/XXXX. My insurance company and gap coverage was more than enough to cover the entirety of the loan. In XX/XX/XXXX, I sent a full payment to BMO because I knew that it would take time to get the payments from the other financial institutions to take care of the loan lien. In XX/XX/XXXX, My insurance company sent all but about {$1500.00} to BMO for the loan payoff and the rest was to come from the gap insurance refund. I told BMO that that payment could take 14-16 weeks, but that their payment was on the way. In the mean time, I received call after call, day after day, from the loan payment center wanting me to make a payment. I explained my case several times and even had it verified that my loan was in the total loss department and that they were just waiting for that last payment from gap. When BMO would call, they would harass me about the payment and threaten me at my job. I had to block them from calling my job, as I was going to be fired for the harassment. I had explained in multiple phone calls that their payment would be there around the end of XXXX. Several people that I talked to from the total loss department were fine with that and had noted the account. On XX/XX/XXXX, I saw that BMO Harris Bank hit my credit with a 30 and 60 day late mark. When looking up the financial side, they received a payment in XXXX for $ XXXX and change, another payment in XX/XX/XXXX for about {$1500.00} and they were still waiting on gap. There should be no reason they mark my credit for being late when they were receiving payments. They are a huge scam. I have done everything I can to honor the contract I have with BMO and have been on everyone to send the payments in a reasonable amount of time. When you do have questions, or you want to talk to someone about what is going on, there is no real person to talk to. Half the time when they called for payment and I would answer the phone, nobody was there and they would hang up. When I finally got ahold of someone in the total loss department to tell them what is happening, their response was " Oh yeah, you get put on an automatic dialer, so that happens a lot and there's nothing we can do about it ''. I am waiting for the last of the money to be sent to them, which they will then owe me around $ XXXX when its all done, I don't trust that they will actually send it. When gap has tried to reach out because all they needed to send the money was an address and no-one has reached back out to them for BMO. What a horrible company and way to do business. I will never recommend BMO for any reason.
|
| 06/28/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
On XXXX XXXX, 2017, I attempted to open an account with BMO Harris Bank online through their website. When I made it to the identity verification stage, I was presented with five questions ( knowledge based authentication ) to answer in order to verify my identity to the bank. I answered those questions correctly, but clearly my correct answers were not the answers their KBA system was looking for. The application was rejected after this stage. I 'll provide a concrete example. One of the questions asked about a leased vehicle I currently have and wanted me to choose the name of the leasing company from their list. My car is leased from XXXX XXXX. The closest name on the list was XXXX XXXX XXXX. So I chose " None of the Above '' because those two companies are different entities. Clearly that 's not the answer they were looking for, despite the fact that it is objectively the correct answer. I 've since checked my credit reports from all three credit bureaus and they all show the lease is with XXXX XXXX, not XXXX XXXX XXXX. Anyway, I called in to continue the application 1-2 days later. The phone reps were unable to continue the online application, so I had to submit a new application over the phone. I was ultimately successful in doing so and the account has been open since that time. What 's interesting is the KBA questions they asked over the phone were different ( and easier ) from the ones asked in the online application process. That said, I recently received a denial letter for the first attempted account opening. I will attach a copy of the letter. The letter is basically useless. It only states that my XXXX Score from XXXX may have been the reason for denial, but, crucially, only if a XXXX Score is actually listed on the letter. No score is listed on the letter, so that is clearly not the reason for the denial. The letter does not state the source of the information used to deny my account opening, nor does it state any reason at all for the denial. Now, I know the reason for the denial, but I do not know the source of the information they use to generate those KBA questions. Whatever the source of that information, some of it is incorrect and I need to be able to correct it. This is not the first time I 've encountered this issue while trying to open a bank account. The banks all seem to use the same vendor to generate these questions, so I have a legal right to know the source and content of the information about me. Since the denial letter did not state the source of the information used for the account denial, BMO Harris is in violation of FCRA Adverse Decision Notification regulations. As such, I ask that they comply with the letter and spirit of the regulations and provide the information I 'm entitled to.
|
| 09/05/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
XXXX and I opened a Home equity line of credit with XXXX bank XXXX/XXXX/XXXX it was an interest only line of credit, which we used to pay for XXXX expenses as we sent her back to college. Harris Bank bought XXXX in XXXX XXXX, by XXXX XXXX we received the letter telling us that the loan was no longer offered and we could work with them to convert the loan. We began working with XXXX XXXX ( XXXX ). After several weeks, we were almost to the end when XXXX ask for XXXX Social Security number. Being concerned about Identity theft we sent the last email asking her to look it up on the taxes we had sent earlier, I did a follow up with a phone call and gave it to XXXX verbally, and confirmed that was all she needed from us.
We didnt hear anything else from Harris, now BMO until XXXX XXXX, XXXX and we received a refund for interest (? ) following with the letter XXXX XXXX, XXXX giving us to XXXX XXXX to address the issue. We had contacted BMO and we referred to the recovery department and they were looking for an offer to pay off the loan and were told that getting a loan modification was not an option. When I asked where my loan went for 2 years I was told that since I had not giving all the information on the first application my file was closed, I told them I had, and was inform that was not the case ( please refer to my emails ). As of XXXX XXXX, XXXX BMO reported the loan are a write-off and my credit score dropped to XXXX, even though the last letter said the was no negative reporting. I then contacted XXXX XXXX the manager XXXX branch where the loan was originated and asked her to fix my credit. I gave her copies of my documents and indicated she thought she could help. Over 60 days later ( and many phone calls ) she informed me that the only option I had was to work with recovery and they will not fix my credit. Desperate a referred back to the last letter and contacted the department listed and currently am working with XXXX XXXX, to get a loan modification, however this is not a sure thing and it will still not fix my credit.
The long and the short of this is BMO should have never closed my loan application in XXXX. In reviewing my credit score after XXXX XXXX, the loan was listed on my report and without and payments and my score dropped to XXXX for not having on time payments and using over 90 % of my available credit, which I was unaware of until recently. After it was reported as a charge off it dropped to XXXX. I have contacted my own bank who will not give me a loan with a score so low. I have never tried to get out of paying this loan, I have only dealt with BMO in good faith hoping for the same but, by BMOs actions, I am trapped, I can only take whatever they offer me. I need you help as my advocate, Im out of options.
|
| 04/05/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
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!
|
| 01/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
|
|
Web |
|
|
MAJOR SAFETY AND PRIVACY FLAW FOR CREDIT CARDS IF USING ONLINE BANKING THROUGH BMO!!! BMO Harris allows the option to update settings ( including address ) to your account online. Under that account is housed both debit and credit cards. Despite being able to update statement preferences ( paperless, etc. ), for BOTH debit and credit cards under the account, you CAN NOT update addresses to credit cards online. That would be fine EXCEPT this is not indicated ANYWHERE and not even a lot of employees know this ( and it is misleading that you can change other preferences regarding the credit card statements ). In XXXX or XXXX of XXXX, I updated my account address online ( not under the specific debit or credit card, but the whole thing ). My debit card address updated but my credit card did not. This means that my credit card statement was sent to an prior address for the person there to read what I bought and where I bought it, and had other private information in my statement. On XX/XX/XXXX I found out about this problem and contacted BMO Harris, where I spoke to 3 separate employees. The first two staff members at BMO had no idea why this was happening to me, and told me that it was all fixed in their system ( they looked up my account via my SSN, not debit number or anything, so you would think my credit card would also appear. ) Not a single staff member had any sympathy for the fact that they sent my personal, private information to someone else. At first, I was just told that that " Well why don't you just try going paperless online, since you aren't getting them sent to you anyway. '' since they didn't know what to do ( the only reason I was not getting them anyway was because they were sending them to the wrong person -- a place that I left and moved far from! ) It took several transfers for someone to know that credit cards were not updated online. How on Earth is a customer supposed to know this until it is too late and their privacy has already been violated and safety potentially compromised. Again, not a single person had any care about this, and without actions greater than calling customer service, BMO will not be changing their online system to include a disclaimer because they simply do not care about consumers ' privacy, or even safety. I strongly hope that change is made, because including a simple statement that credit card addresses are not updated ( while other preferences for statements are ) would be very easy to do, would solve the problem entirely, and would protect consumers ' privacy and safety. As is, BMO is causing potentially dangerous/abusive situations to be enflamed by incorrectly sending personal information on purchases ( which often indicates a person 's new location ).
|
| 04/18/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Hi, I purchased a newly built single family house on XXXX XX/XX/XXXX. The purchase price of the house was {$260000.00}. I made a down payment of 10 % and took a loan of {$240000.00} from BMO Harris Bank, in a 5 year ARM at 2.75 % interest.
That loan came with a monthly PMI of {$78.00}, which I am paying with my mortgage without any fail. Initially I was told that my PMI will be cancelled when my LTV reached 80 %. But I noticed that BMO Harris is still charging PMI even after my LTV crossed 80 %. I asked BMO Harris Bank local branch and they told me that the PMI would not be charged once my LTV reach 78 %, which would be after XX/XX/XXXX. As per the suggestion of the BMO employee, I sent a written request towards that goal. I never received any written acknowledgement for that letter confirming BMO Harris received my letter asking to cancel PMI.
BMO Harris also told me that any extra payment to reduce principle would not be considered for PMI cancellation. We paid {$200.00} extra every month towards the principle. I think what BMO Harris is saying is against law, as I checked from this website, which says, You can ask to cancel PMI earlier if you have made additional payments that reduce the principal balance of your mortgage to 80 percent of the original value of your home '' - https : //www.consumerfinance.govXXXX On top of that, BMO Harris want me to pay {$500.00} for an appraisal of my property to cancel PMI in future. I refused that considering the same website that indicates such property appraisal is needed to refinance loans and not for fresh or new loan. Moreover, BMO Harris itself have all the documents to show that the value of my single family home has increased to {$350000.00} ( as against {$260000.00} purchase price ) as per the city and for which I am paying higher taxes too, which BMO has an escrow account as well.
I checked all the documents that the Bank gave us during our signing of the loan and it says nothing about PMI cancellation or how would it work.
Im getting more frustrated with this bank and tend to think that Im being cheated by them. They messed up last year tax calculation and for which I had to pay an about extra {$900.00} for many months. That was not easy.
I like my PMI payment be cancelled immediately.
I also have the following questions : 1 ) How and when can I cancel my PMI payment?
2 ) When will that PMI be cancelled automatically ( without any action from my side ) if I keep on paying my monthly mortgage, as I'm doing now? Or will that PMI be charged for till the end of my 5 year ARM period ( XX/XX/XXXX )?
3 ) I also like to know what will be my loan amount that we need to pay BMO Harris after 5 year ARM period is over ( XX/XX/XXXX ).
Thanks,
|
| 12/03/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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I not only called BMO Harris in an attempt to get them to investigate an improper portion of a charge on my credit card ( ending XXXX ), but sent *four* written notices, including by fax. The company has refused so much as to investigate the improper charge, which is their duty under the Fair Credit Billing Act.
I notified them immediately that I had been charged a 'fee ' that XXXX XXXX varyingly described as their own optional fee *and* as a 'tax ' ( it is almost certainly not the latter, since taxes were listed separately, once I was permitted to view them ). The charge for my mobile service was only ever advertised as {$180.00} ; I assumed there would be some tax when paying, but not 12 % worth ( which does not jibe with sales tax ). The total charge was never revealed until after I paid with my card, and I was never sent an itemized bill ; it was only after some digging in an online account that I managed to find the accompanying itemization. The fraudulent amount is {$17.00}. I was only ever able to reach XXXX XXXX customer service once ( they have no electronic or mail addresses that are public, so calling is the only way to reach them ), when the CSR told me it was a 'tax ' and then, when I asked to speak to a supervisor, disconnected the call.
To be clear, whether a 'recovery fee ' is legal or proper or not ( and I have no idea, as the only explanation I ever received or found was that it is a 'fee ' or a 'tax ' ), this needs to be stated up-front not only listed *after* the customer pays!
This deceptive charge is obviously unacceptable. However, it is BMO Harris that could have helped resolve the issue of the phantom charge, but simply has refused to even address it, which baffles me. When I called the CSR refused to investigate, only telling me to talk to XXXX myself going so far as to connect me to their customer service again!
Attached are the itemization I eventually found ; the screens one sees before purchase ( note that they only state {$180.00} mine is the 12 month/ 3GB ) ; and the third written notice, which I faxed ( there I state 'final ', but I did try one further attempt in secure messaging ).
I have tried over the preceding 2.5 months, with my many notices to BMO Harris, after my futile attempts with XXXX, to get them to assist me ; regrettably, I feel I have no choice but to ask the CFPB to enforce consumer rights when a company blatantly shirks its duty under the law. Thank you.
XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, IL XXXX Disputed Credit Charge Credit Account Credit Card - XXXX Transaction Date XX/XX/2019 Merchant Name ( as it appears on your statement ) XXXX XXXX Transaction Amount ( excluding fees ) {$200.00} Disputed Amount {$17.00}
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| 04/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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In XX/XX/XXXX, I received a response from Bank of the West 's credit dispute process refusing to correct the payment history reported to the Credit Bureaus showing that this account 's XXXX payment was made 30 days late.
This account has been opened for more than 3 years with no late payment history since the inception of the loan. In XXXX ( approximate ), Bank of the West ( BOTW ) was acquired by another bank. Prior to this acquisition, the monthly payment was made by us to BOTW via wire transfer from our bank directly to the HELOC account. Post acquisition, a change in process occurred whereby BOTW would accept payment ONLY by a direct debit ( by BOTW ) from the checking account which was required by BOTW to have in order to have obtained the HELOC.
At issue is that this direct debit from BOTW occurs at midnight on the XXXX of the month and only on XXXX of the month at XXXX It does not appear that BOTW verifies the funds are available in the required checking account within the stated grace period and before reporting a late payment to the credit bureaus.
Between XX/XX/XXXX and XX/XX/XXXX the full payment amount was wired into the BOTW checking account and available to the bank to withdraw for payment. Unbeknownst to me- nor should the burden be entirely mine to ensure BOTW pulls money available to them to cure the owed payment before reporting a damaging 30 day late payment to the credit bureaus.
I provided to BOTW credit dispute department confirmation that the wire was sent and received by BOTW within the first five business days of the due month.
I believe the bank failed to act responsibly by : 1 ) verifying if the payment was available in the designated account before the end of the grace period ; 2 ) verifying the payment was available in the designated account before the end of the month or time period before reporting a missed payment to the credit bureaus. BOTW 's practice of limiting the timeframe by which they verify payment is made to midnight of the first business day of the month and does not appear to verify within a reasonable amount of time the payment is available creates a harming situation for a customer who is making their payment ; making their payment in the manner designated by the bank ; and made within the stipulated grace period and within the time frame allowable before a negative payment is reported to the bureaus.
The BOTW actions are now creating secondary harm through increased interest rates and higher costs for purchases relying on our credit bureau score.
I am requesting that BOTW correct the late payment report to the credit bureaus. I also encourage, as a matter of public policy, to review this practice by BOTW.
Thank you.
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| 01/20/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Cashing a check
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Web |
Older American |
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My XXXX XXXX XXXX mother has a checking account and I am the co-owner though my name does not appear on the checks. It is at BMO Harris. My mom used to still write checks for her bills. All were small amounts save for the caregiver company and her XXXX account ; but those were never over say {$1200.00} at a time.
In mid XXXX, my mom wrote 4 checks for various utilities and a donation and i deposited them in the local XXXX XXXX XXXX of the local XXXX XXXX XXXX XXXX. XXXX, specifically, where many residents are elderly.
About 3 weeks later my mom got mailed notices that 4 checks had been cashed from her account for {$9800.00}, {$7500.00}, {$9700.00} and {$9800.00}. We immediately went to the local BMO to register these as fraudulent. However, were told that it takes 3- 6 months to investigate and retrieve these checks. ( The money was only in my mom 's checking as her care giver bills are increasing, and she took money out of an IRA - a perfect storm. ) Now 3 months later, only 1 {$9800.00} check has been credited to our account.
My Mom is XXXX. soon to be XXXX Really??? 3-6 months????
i write because : 1- clearly BMO Harris does not have adequate checks and balances on elderly people 's, or anyone for that matter 's, accounts. UNCONSCIONABLE. ( I was told by a friend at XXXX that monitoring the elderly 's accounts is XXXX there. ) 2-BMO Harris has a very obscure complaint department. You can only really contact your local branch, who is frankly 100 % out of the loop and powerless. They repeatedly say, " it is being investigated in the Fraud Department. '' but a consumer can not reach the Fraud department. Nor does that Dept. give any info to the local branch.
3-And perhaps most importantly, we were told the 3 other checks, not yet credited, were cashed at XXXX XXXX XXXXXXXX and BMO was waiting to resolve this with XXXX XXXX XXXX. These are FIDUCIARY institutions. THEY made the mistake - yes bothXX/XX/XXXX and BMO - of cashing checks to people who had CLEARLY WHITED OUT my mother 's written amounts, with 3rd grade handwriting. Because they lost money, and are arguing as to whose fault it is, why should the innocent consumer be made to pay? They are holding our money in fiduciary trust- it is not their money to decide when we should get it back.
I WOULD LIKE OUR MONEY BACK WITH INTEREST IMMEDIATELY. They are borrowing our money because they made a mistake and can not resolve it quickly. And yes, the irony that my mother 's Credit Card for which we would have to pay interest if the " borrowed funds '' are not paid back on the due date is held at BMO Harris only adds salt to the wound. This lack of immediate return seems a direct violation of their governing laws.
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| 12/05/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I financed a new car in XX/XX/XXXX with BMO Harris bank. I suffered job loss about a year later and was receiving numerous calls each day late at night from the collection company my account had been sold to. The collection company refused to take any partial payments I was able to make and frequently threatened me with law suits and seizing of property. Once I was able to begin making payments again, I made a payment of approximately {$3600.00} and set up automatic payments thereafter. Automatic payments were taken from my account as agreed upon for nearly two years until my account was bought back by BMO Harris Bank, at which time the automatic payments stopped with no communication or notification to me. It took a couple months for me to track down the correct contact information of the creditor and set up a new automatic payment agreement. For the next couple years thereafter, automatic payments resumed. I called from XXXX to XX/XX/XXXX to request written documentation of all payments made since BMO Harris bank does not provide any sort of documentation of payments made, digitally or otherwise, and also to inquire about settlement options. My then current account representative, XXXX, was out of the office and not available to take messages for approximately 2-3 months that I know of, so I never received any response- not even from other reps in the office. I was finally able to reach XXXX in XXXX, at which time she argued with me over my right to receive a response regarding my account. I requested the written documentation and also a new account representative. I also inquired about settling my account, but was given no options- only further argument. I never received the documentation of payment history I requested ( it was supposed to be mailed to me ). After speaking with XXXX in XXXX and having a new account representative assigned, XXXX more automatic payment was taken from my account on XX/XX/XXXX, after which my automatic payments stopped coming out of my account again. I contacted my new rep in XXXX to find out why the payments had stopped and again to request the payment documentation that had never been received. She responded that my automatic payments had been stopped because I had inquired about settling my account, although no options were given and no agreement had been made. She assured me that she had resubmitted the request for payment documentation to be mailed to me and set up my automatic payments again. My next automatic payment was made on XX/XX/XXXX, after which they have stopped again! It is now XXXX and I still have not received the twice requested payment documentation, and the bank still is not honoring our automatic payment agreement.
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| 02/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
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Web |
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I am submitting this complaint due to BMO Harriss unfair practices and mishandling of my claim. They have been extremely uncooperative and their actions have continuously impacted me, and their customers, even after XXXX attempts to communicate and resolve this matter with BMO Harris Bank. I originally submitted a merchant dispute around XX/XX/22 ( Case ID # XXXX ) for about {$40.00} and provided some specific details on what happened. I placed an order with XXXX online and the place delivered the incorrect order. I called the restaurant where the food came from and spoke to the General Manager, XXXX XXXX who acknowledged their mistake and offered to refund my money, however because the charge went thru XXXX, XXXX explained I needed to communicate what happened to DoorDash so they could issue the credit. XXXX sent me an email message confirming/acknowledging I was owed a refund. I attempted to call and resolve the matter with XXXX explaining what happened, but they refused to assist me or communicate with the General Manager XXXX even after being provided with all necessary info and approval.
When I communicated to BMO Harris what happened, I also provide them with the phone number to the General Manager of XXXX along with an email and attached the email from XXXX, the General Manager at XXXX. The email again confirmed their mistake and that I was owed a refund. Since filing my claim with BMO Harris, I continue to have issues with gaining assistance in completing out this claim. I keep getting the run around and no one seems to know how to do their job or have the correct info. Each rep contradicts the other making it extremely difficult to trust or understand certain things which results in me trying to request to speak to a supervisor. BMO Harris has failed to completely due their due diligence in handling this matter and are violating the Truth and Lending Act by classifying and handling and my claim as a in good faith claim. The services rendered by the merchant were NOT delivered as agreed, which they acknowledged. BMO Harris has failed to explain to me why they have classified and handling my claim in such manners. I have attempted to escalate this matter multiple times with all failed attempts. I requested to speak to a manager more than 2.4 weeks ago, which I was told I would receive a call back within 24-48, and a manager just attempted to return my call the other day. This is unacceptable behavior and mishandling of my claim when BMO Harris has been provided with more than enough evidence and information to refund my money. I need your help in obtaining a refund and holding BMO Harris accountable for their unfairness and mishandling of claims.
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| 09/04/2016 |
Yes |
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- Settlement process and costs
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Web |
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I purchased my home XXXX/XXXX/2015 with BMO Harris Bank with the condition that my loan would be sold to XXXX Bank with in 90 days due to me having a XXXX down payment assistance loan with XXXX and XXXX XXXX is servicer along with my loan being an FHA. Come to find out I was still signing paper work after my closing due to neglect that was left out of my closing paperwork. Now, in XXXX. I was told they put the wrong interest rate on my closing paper work. Should have been 3.75 % and they had 4.25 %. So to cover themselves they wanted me to sign a modification stating I was in default on my mortgage and I was having trouble paying my mortgage! This was fraud! This I did NOT sign. I did sign an agreement to have the interest rate changed to 3.75 %. Now I have been sending my XXXX payment to XXXX XXXX as XXXX dose not deal with BMO. This has been going on for a year. Now I was told XXXX XXXX refused to buy my loan due to numerous errors on my mortgage. So now I am stuck with BMO Harris and all the errors that keep happening. One example is I make my mortgage payment and add additional to escrow and tell them to apply it to escrow and they put it to the principal every time. I then contact them and it takes days for them to fix. This happens every time. Also I was told by XXXX ( XXXX ) that BMO fronted the money for my down payment assuming they would sell my loan to XXXX XXXX and now that it did n't happen I have to pay BMO back and not them. XXXX is taking the terms and conditions of my XXXX loan and using this to be paid back. No money was ever exchanged between XXXX, XXXX XXXX or BMO. This is not what I agreed to. None of this is. I have requested all of my mortgage paperwork form BMO including what was sent to XXXX XXXX. Some of the paperwork I did n't have and they do n't have a lot of what I have. But there are a few pieces of paperwork that stand out. One was my interest is supposed to be 3.50 % for and FHA loan which I have and a conventional loan is supposed to be 3.75 %. Also the cover sheet I have that was supposedly sent to XXXX XXXX stating they were selling my loan to them had the interest rate of 4.25 % on it! This is just a quick over view of what has been going on for over 15 months and keeps continuing. All the errors just wo n't stop. I have talked to numerous people about this, asked to talk to someone at corporate and I get nothing but a run around. I have a XXXX page time line of all the errors and mistakes that I have given to numerous people at BMO and still nothing is being done. Being a first time home owner I will never do this again. I have all paperwork and over 200 emails to back up all that I have stated if you need them.
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| 08/31/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
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Web |
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I came into this branch today to open a savings account after the security guard informed me that the banker was already late she told me that he had no appointments in front of me and that I would be the first person he saw it he came in the bank teller XXXX was late he immediately ignored me he went into helping other customers and decided to ignore even the security guard telling him that I was waiting on him for customer service and then began to still sit there and do whatever he wanted to I waited patiently going on XXXX upwards of 20 and 30 minutes away Ting I came up to the window and I told the young lady I said you know it at this point can I just close my account and withdraw my funds she told me I could not without speaking to a banker I said what I know I should be able to withdraw my funds without talks about 30 minutes now and she told me that I could not have to have a seat and then I said the lady that was sitting there threw up her hands very disrespectfully and walked away the branch manager with her little XXXX attitude told me that they were going to ask me to go to another branch because I was being rude and I told her what was rude was having the nasty late Banker sit there and ignore me while I was waiting going on 20-30 minutes for his service so that I can open a savings account and close my savings account at the same time I began to leave and me and the branch manager began to have heated discords back and forth with her being sarcastic and nasty and telling me to leave and when I asked who she was she just slammed her business card under the window at me and said what time the branch manager Etc the security guard began to in a threatening way hold her hand on her firearm as if that was supposed to provoke me to leave the building faster and which I told her that I was not scared of a XXXX all the cuz she had a XXXX she's not the only one with XXXX and things like that and I left with the same that actions like that is how people get shot XXXX Branch I've ever went to I went to another Branch immediately after and inform them of what happened and at first it was no problem with me opening my account and getting my funds for savings account and then after that I got a call some evening by some security for XXXX telling me that the bank was going to be closing my account because of the comments I made still without addressing any of their customer service issues so that is going to be handled in court on Tuesday I've never had such a nasty unprofessional unethical XXXX ran building Bank in my life one branch and BMO is siding with his XXXX employees as if I'm the villain in this and I did something wrong XXXX ridiculous
|
| 04/07/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
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Web |
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During the third week of XXXX I came across and advertisement by BMO Harris Bank to open a checking account, satisfy " 1 ) Open a new BMO Harris Everyday Checking ( R ), BMO Harris Select Checking ( R ) or BMO Harris Portfolio Checking ( R ) account between XX/XX/XXXX and XX/XX/XXXX in a BMO Harris Branch or by calling XXXX. 2 ) Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. " I then called the number listed on the advertisement and spoke to a representative who I asked to confirm that an ACH deposit that comes in with the account number and routing number qualifies as a direct deposit, and I was told YES.
Based on this, I opened over the phone with that representative. They sent me a package in the mail that had account information and my signature card. I sent the signed signature card back, and went on banking normally. I then had to ACH deposits into my account from an external source for work I did credit into the account each for more than {$300.00}. After both posted in the account, I called and spoke to a representative who informed me that this WOULD satisfy the requirement for the bonus ( FlexCodeXXXX ) and that I was all set, because it was just " outside money. '' Feeling a bit hesitant because that representative used wording that was neither on the offer nor had been used by the other representative, I thank the representative and hung up, and called back the next day to again to confirm.
This time, the representative first said the same thing as the representative I spoke to on the day prior " foreign money, '' however when I asked her to double check, she came back and told me that she had miss informed me. When I asked to speak to a manager, she put me on hold for over 20 minutes, and then the line just disconnected.
I called again and had to jump through hoops to get to a manager where I was told that those deposits would not qualify me for the bonus. When I asked to speak the a manager, and had a representative from corporate call me back, they said and I quote " NO one here will give you a bonus. '' They then continued to be very rude and yell at me over the phone, and it was a very uncomfortable conversation.
It has been a huge headache and a pain to deal with this bank as they treat their customers very poorly and do n't honor their marketing campaign. They deceived me to open an account, and than do not want to honor the bonus for me, but rather want to treat me rudely.
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| 10/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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|
Web |
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I recently purchased a new vehicle and my loan was financed by BMO Harris Bank. I have made two payments on the account on time and I recently asked for a payoff because I am thinking of refinancing with my credit union. When given the payoff I asked for a breakdown of my interest/principal that was taken out of my two payments. After this was given to me verbally I asked for a amortization schedule because I felt the interest taken out of the first payment was more than what I had calculated myself using my own amortization schedule. I was told I was I would be getting one in the mail.
After a week, I called back today and wanted to check on my request. After five failed attempts to reach a live person to speak with, I was able to get a representative to forward my call to the complaint/escalation department. I finally spoke to XXXX ( employee # XXXX ). He attempted to explain the breakdown of how interest and principal is taken out of each payment depending on the daily per diem. I informed him I understood everything he was telling me but my dispute was the interest charged out of my first payment did not match what I was calculating on my amortization schedule. I asked to speak to the originations or underwriting supervisor or someone that can explain and break down how they came up with their amount that was taken out of my first payment. The escalation representative seem to get irritated that he was not going to be able to get me off the phone easily and put me on hold for several minutes, stating that he was attempting to escalate my compliant. After minutes of being on hold, XXXX came back on the line and informed me that BMO Harris Bank does not provide amortization schedules to their consumers. I asked why? He stated over and over that they just don't. I asked him " what if a customer, like me, has a dispute about where and how their payments are being applied? Is the customer just supposed to believe BMO Harris is doing the correct thing? XXXX kept informing me that he could not escalate my call and that again XXXX Harris does not provide amortization schedules. I informed XXXX my concerns are valid and that I feel that BMO Harris did not accurately calculate the interest taken from my first on time payment. I informed him that there aren't many other factors that could have affected my loan since this is my first payment and its on time. If you start with the Amount Financed, term, rate, contract date, first payment, then your calculated interest charged should be the same regardless of what amortization schedule program someone uses. Unless, BMO Harris has a different way of calculating this I'd like to know.
|
| 11/28/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
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I have been a XXXX XXXX XXXX customer for decades. Since XXXX XXXX has come into control of the XXXX XXXX XXXX brand, I have experienced numerous difficulties not encountered with other credit card companies or banking institutions. I keep the account because I travel professionally, and certain features of this card are very helpful. I have yet another problem. On Tue XX/XX/XXXX I made anonline payment ( an extra payment in addition to my normal monthly payment ) of {$1700.00}. I printed the confirmation from the XXXX 's website. Keeping in mind that XXXX XXXX is a XXXX corporation, there is no reason to believe that the US holiday of XXXX could interfere in any way with accreditation of payments. However, this payment did not clear my banking account until Fri XX/XX/XXXX, a delay of 3 days. Today, 1 week after payment was rendered, and 4 days after clearing my bank account, I have still not received credit for the payment on the XXXX 's website. I paid several bills that day, and all of them ( except XXXX 's ) were credited the very next day. Today, Tue XX/XX/XXXX, fully 1 week after the payment was rendered, I attempted to confirm the payment had been credited, and in doing so I printed out the appropriate XXXX 's webpage ( " New Transactions Since Last Statement '' ). That payment has still not been credited towards my account. Therefore, I am paying interest on the outstanding balance for that extra week. It is not the actual interest amount that is concerning. I am asking your help in determining whether this constitutes a breach of XXXX XXXX 's fiduciary responsibility and for help in contacting XXXX XXXX. You see, in addition to failure to post my payment, the corporation 's " Contact Us '' feature, which provides an online template for comments and queries does not work. It allows entry of all necessary information, but after clicking the " Submit '' button, a popular page appears, saying, " Error 500 : FormAttributes is null or empty ''. For the record, all template blanks were properly filled ; I made a record of this by printing screenshots of the attempts. As I have had so many similar and related problems with XXXX XXXX, I prefer all contact with the corporation to be in writing, and there seems to be no other way to send expedited communication to XXXX ( no customer service email address is provided ). In recapping, XXXX XXXX has withheld credit towards my XXXX XXXX XXXX credit card balance unduly, which is presumably accruing undue interest. Additionally, the institution seems to provide no means for written queries other than through paper means, which is completely unreasonable in this digital age.
|
| 12/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I been having nothing but a Horrible time with BMO Bank, They can't tell me were my XXXX went to and how did it get applied to my loan. If My loan was for 84 months and they stated that they took the XXXXWarranty ( Returned ) and applied it to my principal balance Show me were and how did it change my payment amount and why did my payment term Either became a lesser term or why did my pay amount decrease. No one at this XXXX XXXX bank can explain where and how and why question. they keep saying the same thing it was applied to your principal balance even though your payments didn't go down and your 84 month terms didn't change. We applied it but we can't tell you how it was applied XXXX missing. ( and I Want Answers ). your account or were it went but we see it Did get applied I AM SICK OF HEARING THAT EITHER SHOW ME THE MONEY OR GIVE ME THE MONEY.Also I've been waiting on a refund check from this same XXXX XXXX They have a Bunch of incompetent employees that works For them it seems like they just hired a bunch of middle school age kids to answer the phone.who lacks Customer service skills and a bunch of other skills. ON XX/XX/2023 .they told me to call back and because they sent me out an over payment back on XX/XX/XXXX for XXXX that I have yet to receive .every time I call they Hang up the phone .This happened 5 times yesterday XXXX. They told me if I didn't receive the check by XXXX to call back to get a new check reissued .And that will take another 30 day XXXX why is it taken so long to send out a Check that has been lost over 8 weeks now Why do I need to keep waiting. If they can't get a check out for XXXX and explain to me were my check went to then how am I suppose to belive that they are telling me the truth about my XXXX Show me were my XXXX was applied and Send me my XXXX express mail since they can't get it to me by regular mail .I really hate This company and they Also keep lying saying they don't have a officer of the president were you can write a complaint on how treble there customers services is They will answer the phone and ask you your personal information. Once they get it they would disconnect the call .This has happened several times.or they will. Leave you on hold for a hour and never check back.this Bank need to be investigated. By The FDIC as well as The FTC they are stealing customers money without a clear indication on were the customers money went .if this issue isn't resolved I will be filling a law suit on this Bank They think they can stealing from the little people but what they need to understand it only take one person to open up.a can of worms to take down a corrupt corporation.
|
| 09/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/2023 XXXX charges from merchant XXXX XXXX was made on my at the time bank of the west account which is now BMO bank. i had placed XXXX order online with the merchant which was shipped out to me in XXXX shipments so they had split the charge to XXXX since it was shipped in XXXX parts. charged {$2500.00} {$2100.00} {$350.00} the items were shipped back to merchant using XXXX tracking XXXX. Weighed XXXX lbs signed for by XXXX delivered on XX/XX/2023. you have XXXX days to return anything with the merchant. merchant for a week said they will refund me and gave me the run around i never got the refund so i contacted my bank to file a dispute. i filed my dispute was told i would have a temporary credit in XXXX days while they work on it. i never got that temporary credit and on top of that bank of the west now bmo bank ignored me for over a month i had to chase them down. after ignoring several emails by a supervisor XXXX and my so called fraud department agent XXXX i got sick and tiered and decided to write to there corporate and file a claim with you guys. i have still been chasing them down and have had no luck getting any answers from them. XXXX weeks ago i got XXXX answer from XXXX who re opened the case because they are claiming merchant said it has been returned/exchanged in. store but there is no proof of who or whom, did this what card a return or exchange was done on and i do not understand was it a exchange or return. they have been lying to me and since i did not fall for the lie they claimed to have re opened the claim which i highly doubt. i have no proof of that return exchange or who ever did it if it was done or how that could have even happened if my package clearly shows delivered and it transit at those times and merchant signed for it also. i am beyond angry and upset with bank of the west now bmo bank for treating me this way. i have my proof of return which is my tracking i should be getting my funds back to me instead of helping me they are ignoring me and not doing anything at all. it has been the worst experience and they are the worst bank who lies and treats their customers like XXXX. they have a full fraud liability and i as a customer am saying the merchant is doing fraud they received my merchandise and are not refunding me and my bank who is suppose to protect me who has my trust with my money is doing nothing and on top of that ignoring me at all costs. never bank with them i am so glad i did not take my XXXX business accounts to them because they way they get you to be a customer is all lies. the claim numbers with the bank is XXXX. XXXX. XXXX
|
| 02/12/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Older American, Servicemember |
|
I opened a checking account in XX/XX/XXXX with BMO HARRIS BANK. I signed an agreement that allowed me to access my account online through bmo harris 's portal.
XX/XX/XXXX I tried to access my account using my id and password and was directed to another portal instead of my account. At that portal I was prompted to check two boxes signifying my agreements to new terms and conditions and I refused to check. When I refused to check I was not permitted access to my account online. My online account has been taken hostage until I agree to a new agreement.
What happened to the agreement that allowed me access to my account since XX/XX/XXXX??? I contacted bmo harris and spoke to XXXX, and then to whom I was told was a manager named XXXX. Neither would allow me access to something that only twenty four hours prior I had had access to. And XXXX refused to give me any officers names in the harris organization that I could contact by calling or email, and would give no names to whom to address my complaint via snail mail. I feel like he was deliberately being unhelpful.
Once the accounts are established through signed agreements and I am in receipt of agreed upon services, I in no way expect for those services to be interrupted until if and when I enter into another agreement. I think such behavior is bullying, intimidating, immoral, abusive, and possibly illegal. The bank has no right to XXXX XXXX, arbitrarily, change the original agreement because it suits their needs or desires, and if it does and I agreed to it then I don't have to agree to it again.
After getting in touch with management I was told " If you feel that you can not agree to the online terms, then unfortunately we will not be able to grant online access to your accounts, however, you can still access your account information via telephone banking, branches and ATMs. '' I was also told by by the bank representatives that I had agreed to several changes in the past and that I checked agreement boxes in order to access my account.
Those are lies, subsequent the initial agreement I have checked no other boxes to access my account, nor was I was allowed to access my account by telephone. My pin was not recognized, and when I called I was told that I had never set up a pin and had never accessed my account by telephone before, whereas I used to use the telephone service almost exclusively. This is not a dormant account, never has been and is used daily through a debit card.
I feel I am being taken advantage of by a banking system that is possibly violating the law by such actions.
XXXX XXXX
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| 01/08/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
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On XX/XX/2018 I received a letter from XXXX XXXX XXXX stating that they are ending their banking relationship with me. This letter was in regards to an inactive account that we had opened on a trip to XXXX, which had been inactive for about 2 years. In reading online, it is understandable that an account that has been inactive for this long would be closed. The letter instructed me to close this account by XX/XX/2018, and had attached another page outlining the " full list of all accounts to be closed '', which only included this 1 account in XXXX. I do not have a problem with this closure as the account had been inactive for so long and we were going to shut it down anyway. However, we also have accounts with BMO Harris ( USA ). When we logged on to our online banking on XX/XX/XXXX, we saw that all of our accounts had been closed. We had not been notified prior to this closure. We reached out to the local branch and had been given the name of the person who closed our accounts and were told that the account had been closed on XX/XX/XXXX. In speaking with the person who had closed our account, he said that he does not know why our accounts were closed, however he was instructed to do so from BMO Harris. Furthermore, when he investigated why we were not notified, he was told that we were notified via certified mail back in XXXX about the closures and sent along receipts from the certified mail. We had never received these letters and upon tracking them via USPS, the letters were just sent out XX/XX/2018 ( 7 days after the closures ) and are still in transit. We had a number of bits ( utilities, credit cards, etc. ) that automatically withdraw from this bank account. Since the unexpected closures, we have received significant charges due to unpaid bills as they tried to withdraw from this account. In addition, we have also had some bounced checks that were written and were attempted to be cashed when the account was closed. The bank manager is unable to obtain information as to why our accounts were closed and thinks that it is simply because of the closure of the inactive account in XXXX by BMO Harris ' parent company. We have since tried moving banks, but upon cashing the cashiers checks from BMO Harris, a 30 day hold is put in place on funds from checks deposited by new customers. During this time more bills are coming due ( tuition, credit cards, utilities, phone, etc. ) which will incur even more fees and will significantly impact my credit score. My accounts at BMO have always been in good standing, and I have been with BMO for nearly 40 years.
|
| 04/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
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Web |
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On XX/XX/2023 at about XXXX XXXX. I purchased gas at the XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA. I paid at the pump with my debit card and proceeded to drive home. I arrived home around XXXXXXXX XXXX. at my home in XXXX XXXX, CA. When I arrived home I did my normal chores, etc. and around XXXX XXXX. I started to get ready for bed. At about XXXX XXXX I logged onto my bank account at Bank of West and there was over {$1800.00} in charges to my account. At no time did I leave my home. My debit card was in my wallet/purse the whole night. The last purchase I made for that day was at the above XXXX XXXX XXXX for {$52.00} on XX/XX/2023 at around XXXX XXXX I immediately called Bank of the West and they put a stop to my card. I believe my debit card was skimmed at this particular XXXX XXXX XXXX. All the purchases made that night were in XXXX XXXX, XXXX XXXX, and XXXX XXXX which these cities are at least 50 miles from my home. At no time did I leave my home when I arrived home from work that day. I never allowed no one to use my debit card. Bank of the West has now blamed me for the purchases and refuses to help me out. I am supposed to feel protected and my money is supposed to be protected by Bank of the West. At no time did I receive any notifications from Bank of the West that these transactions were going on. Bank of West 's fraud department is stating that I did all these transactions myself. I am being treated like I am the criminal! I had no knowledge this occurred until XXXXXXXX XXXX that night when I checked my bank account. I have proof of my whereabouts at all times. I have written to all customer services where all purchases were made. One of the stores that person or person who were unauthorized to use my debit card information wrote me back and sent me a copy of the receipt from XXXX XXXX XXXX. The person or person ( XXXX ) who skimmed my card purchased items, the items all related to men 's wear, etc. First of all, I do not have a husband or boyfriend. The only man who lives with me is my son XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. There were 5 transactions to XXXX in XXXX XXXX XXXX XXXX XXXX row with amounts of $ XXXX each. There were several other transactions.
Why did I get notified that this was going on from Bank of the West? These person or person ( s ) went on a shopping spree on my dime! I have been unfairly treated by Bank of the West. It has been a horrible experience and I have been tryin to fight this claim. I am ready to go to small claims court if I have to.
|
| 01/25/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
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My wife and I opened a joint checking account on XX/XX/XXXX with our gift money from our recent wedding. The personal banker said that my wife was eligible for the current promotion since she was a new customer ( XXXX, Offer 1 Get a {$400.00} bonus for completing the following activities with your new checking account in the first 150 days, Offer 2 Get a {$200.00} bonus for opening a Platinum Money Market account, depositing at least $ XXX in new money and keeping it for 90 days, Offer 3 Get an additional {$100.00} bonus when you complete the requirements for Offers 1 and 2 ).
We asked if opening a joint account would still qualify, since I was a current account holder. The banker said that she would still qualify for the promotion, so we deposited all of our savings with XXXX. He asked us if we would like to open a credit card, which would provide an additional incentive. We declined, and he light-heartedly told a coworker that he was giving us {$700.00}, and he tried to give us more ( with the credit card offer ), but we didnt want it. I believe he acted in good faith and sincerely thought that we met the eligibility requirements.
We lived paycheck to paycheck for several months to keep enough money in the money market account, signed up to directly deposit our paychecks in the checking account, enrolled in online banking, and began paying bills online in order to meet the requirements of the promotions. After meeting the requirements for Offer # 2, we received the {$200.00} promotion.
However, after meeting the requirements for Offer # 1 and Offer # 3, we did not receive the {$500.00} bonuses. I sent an email through the online banking system on XX/XX/XXXX requesting a status and did not receive a response. I called customer service four times, and after the fourth call, they said that my wife was not eligible for the promotion, because the account was a joint account with an existing account holder. I explained what the personal banker told us, and customer service said that we could talk with the banker at the branch, and he could override the error. When I went to the branch, the personal banker had been transferred to another branch. One of the other bankers gave me his phone number, and I left a message for him and was ignored.
I would like your help in remedying a situation where a personal banker made a promise that the corporate headquarters is refusing to honor. Because the banker was not knowledgeable about a promotions terms is not a reason to punish a customer. This is an unethical practice and a form of deception.
|
| 04/11/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Web |
Servicemember |
|
A online application was submitted along with all the pertinent documents. The processor XXXX XXXX left her position and stopped responding the emails and requests for updates on the status of the mortgage. I applied online for this loan on via their website On XXXX they mailed a packet of documents to sign as well as a list of the items needed in order to review the loan. I emailed her with all the information requested and she had full documentation in her hands in a timely manner. These are the dates of the emails ... .. XXXX, XXXX, XXXX, twice on XXXX, XXXX, XXXX, XXXX, XXXX, 4 times on XXXX, XXXX, XXXX and XXXX. There are so many emails because I kept requesting verification that she had everything she needed. She did not respond until XXXX at which time she finally responded and advised me that she switched to a new position and would get back to me " by the close of business '' that day with the new processor/loan officer information. I never heard from her again. I then called BMO and asked to speak to her boss. I was advised it was XXXX XXXX which I spoke to on XXXX. She advised that she was her " new '' boss but she would have her get back to me with the name of new processor. No call was received I even said she could respond via email but have n't received any response. I called again today XXXX and was now told that well too bad it does n't really matter because now the application is expired and we will have to submit a new application. Neither XXXX or XXXX apologized for the way this was mishandled not to mention that they did not adhere to the CFPB rules as far as time to complete the review of the application as well as notifying me of the approval or denial etc .... I have all my phone records and emails. No calls or letters were received from BMO other than a letter from XXXX at which point all the additional documentation was provided. I have proof in my emails that they had everything they needed on time to make a decision regarding approval or denial of the loan. XXXX dropped the ball and the entire loan file and now XXXX her new boss is backing her this is very disturbing. I have yet to be provided the information that XXXX was going to provide me with on XXXX which was the new processor. Now that they let the time expires they expect me to start all over and reapply. I still have not received a loan denial letter if that was the case I was only told so today because of the length of time. If I did n't call today I would have no idea I would need to reapply. I did advise them I would be filing this complaint.
|
| 07/29/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Mind you with Illinois 's state budget impass and BMO Harris Bank located mostly in our region, this is how my story goes BMO Harris Bank online account displays a positive balance when logging in, which is accurate when you line up your quickbooks or bank register to reconcile. What you do n't know as an account holder is that you need to scroll through each and every transaction ( yes, I have screen shots and documents to show this exactly ), wether you are a personal or business account holder. Why? This is where the deception is : If you have a debit removed from the past few hours in your account and you deposit funds daily automatically, via ACH, cash, check, state comptroller, etc. BMO Harris will not only ignore your deposit ( even though the online account shows a positive available balance, they will return your item for a {$35.00} fee and unknownst to you, decide wether or not to charge an additional {$35.00} overdraft fee. So the next day you are confused on why your balance may be higher and items were returned. Stay with me it gets worse, now there is no human looking at your account ever, so if you miss this because you only looked at your online account balance, which shows a positive available balance, the next day is {$5.00} fee, and every day until you deposit more money to cover the $ 75+ banking fees. The sad and painful part is that the original item debited ( XXXX ) was only {$34.00}, but now cost you {$100.00} AND BMO Harris has not paid the item causing a second round of full fees. I called and visited a branch 30 minutes from my company this past week, not one familiar face was there, showing my ID again, mind you BMO opened my company in 1997 with a XXXX XXXX. Are you as suprised as me that not one person in 20 years was still employed at the branch? XXXX on the phone said, " this is not a banking error, no fees will be removed. '' Because this has caused both myself and my accountant such confusion we stopped having payments removed automatically as of XX/XX/XXXX. It has been 18 days later and over {$1000.00} in banking fees between BMO Harris and vendors who I have reimbursed for their NSF fees. Unfortunately, I do not have the money to retain an attorney. I have called more than once, but to this day have had no resolution.
I have received two automatic replies on their chat and XXXX page ; Of course removing my complaint and not one person has reached out.
I bet this is a part of their business model learn from me, and use ANY other bank that lines up the accounts accurately with what is displayed.
|
| 12/09/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
I hope this letter finds you well. I am writing in response to your communication dated XX/XX/2023 in reference to my complaint submitted through the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/2023. I appreciate your prompt attention to this matter and the thorough review conducted by BMO Bank N.A.
Acknowledgment of BMO 's Response : I acknowledge the details provided in your response regarding my request for a refund of {$170.00} and BMO 's assertion that a check was issued to me on XX/XX/2023. I appreciate the effort made to investigate the matter.
Dispute Regarding Check Status : While I understand BMO 's position, I must reiterate that I have not received the check in question. Despite your confirmation of its issuance, I remain unaware of its status and, to my knowledge, it has not been delivered. I kindly request further clarification or documentation to substantiate the issuance and delivery of the check.
Concerns about Affidavit and Compensation : In response to BMO 's mention of the Lost Affidavit Indemnity Form, I must express my inability to sign the affidavit due to the lack of information about the check 's status. Signing such a document without adequate knowledge poses a legal and ethical challenge.
I must respectfully dispute the denial of my request for a {$200.00} compensation. The circumstances surrounding the lost check are unique to my situation, and I believe a fair resolution should be considered to address the inconvenience caused.
Legal Considerations : Regarding the legal aspects of this matter, I would appreciate your clarification on whether it is within legal bounds for a credit card company to withhold a customer 's funds. Additionally, could you please provide information on the legal requirements for a credit card company to return money to its customer in a situation where a check has been issued but not received?
Request for Thorough Investigation : I kindly request a thorough investigation into the issuance and delivery process of the check in question. Additionally, I urge BMO to provide any documentation or evidence that supports the claim of the check being sent to me.
Conclusion : In conclusion, I appreciate your attention to this matter and request a prompt resolution. I am open to further communication and clarification to resolve this matter amicably. However, if a satisfactory resolution can not be reached, I may have no choice but to explore other avenues to protect my rights.
Thank you for your understanding, and I look forward to your prompt response.
|
| 08/20/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
Servicemember |
|
Trying to help elderly father ( went through XXXX XXXX, had multiple XXXX, & early stages of XXXX ) get a handle on his finances ; doing so from Ohio. Approximately 1 year ago I was in Wisconsin and visited the bank so I could gain access to his accounts online from Ohio. At that time I was added as a signee to my father 's account as well as opening another checking account in my name. My father 's account has an over-draft line attached to his checking account.
Approximately 4-6 months ago I noticed my father over-drafting his checking resulting in additional fees and increasing his over-draft line to the limit, which I was attempting to pay down. I called the bank representatives not less than 6-8 times trying to resolve the issue ; asking that the checking account decline any charges once dad 's account hit XXXX. Doing this would have allowed me to slowly pay down his over-draft line over time and help dad get a better hold on his spending.
Fast forward to the end of XXXX ... my father over-drafted 5 transactions from to a Wisconsin business. Since the business tried to re-deposit the transactions multiple times it has caused bank over-draft fees of {$610.00}. The bank refunded {$77.00} ( {$7.00} per day over-drafted ) in fees. When I called and spoke to the manager asking for additional help ( since I had reached out months earlier looking for solutions only to be turned away ) her response to me was that's all she could do. As a follow-up I called the district manager to seek additional help. He told me that he would review with bank manager and get back to me the next day. 3 days later after not hearing back, I again called him back and left message. A few hours the same day I received a call back from the bank manager stating there is nothing further they can do to help, stating ; " if the bank refunded all the over-draft fees they would be out of business ''.
Then on Saturday XX/XX/18 I received an over-night ( Sat delivery ) that the bank has closed the accounts ( accepting credits only ) and wants the over-draft protection line ( {$1000.00} balance ) paid off in 1 week 's time or they will send to collections.
I'm trying to find out if I'm liable at all for the overdraft protection line since I'm a " signee '' on my father 's account. I would not think I'd be liable for those dollars. We're willing to work on paying the account off over time, but seeking help with some of the additional fees that were slapped on my father. He is on a fixed income of $ XXXX monthly which obviously doesn't go very far.
|
| 07/31/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Bank of the West has been reporting a charged off amount of {$2800.00} since XXXX on a credit card that I opened with them in summer of XXXX. The credit card was a secured card, with a limit of {$500.00}. A rental car company over charged my account for the cost they said my insurance at the time would not cover. The charge was only a small amount so I'm not sure how Bank of the West got {$2800.00} from that. The same company also charged my debit ( checking account ) card for {$1300.00} then enlisted XXXX XXXX to collect on that account. XXXX XXXX then put the account ( checking account ) on all three credit bureaus as a collection account. They then charged interest every month for as long as the account went unpaid. In XX/XX/XXXX, XXXX XXXX XXXX was removed from my credit report but in XX/XX/XXXX, the amount that they could not collect on, along with the interest that that accrued was added to the existing balance of charged off credit card account. I disputed this information with all three credit Bureaus, and not only did it come back verified, but the amount also increased every time from {$1500.00} to {$1700.00} to {$2600.00}. The payment ledger that reported ND for the last five years was edited and updated to reflect CO going all the way back to when the charge-off was first opened. It is currently being reported with late payments as well as a statement claiming " {$2800.00} written off. {$2600.00} past due as of XX/XX/XXXX. '' The account was closed in XXXX. I'm not sure how a closed account can suddenly be charged {$2600.00}. The new company that has taken over for XXXX XXXX XXXX is a company called " XXXX XXXXXXXX XXXX XXXX. '' They sent me a letter on behalf of Bank of the West to collect on the checking account debt in which they stated the amount owed on the checking account is {$1300.00} along with {$700.00} dollars in overdraft fees. In reality they're adding in the interest charges accrued from XXXX XXXX as well as other fees they fabricated. The account was frozen and put under investigation and soon after closed at my request. Therefore, there could not be any overdrafts or other fees.
To sum it up, Bank of the West is in violation of my consumer rights. Not only are they reporting false information intentionally, but they are also punishing me every time I dispute this information by increasing the debt. I am now in a situation where I have to move due to safety and health concerns and I am unable to do so without paying an extremely high deposit or getting turned down all together.
|
| 04/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
In XX/XX/XXXX my car was repossessed. Bank Of The West stated I was behind 3 months, but that was not the case I agree I was behind but I always make sure it was not 3 months. I got sick with XXXX and started falling behind on bills but this in particular I new I I could only if you have more than three months so and XXXX are you, XXXX I cant find it. What are the stats on XXXX of XXXX I send two payments of {$560.00} an accident when I noticed that I called the bank because it to my financial situation I couldnt make those two payments so I told them I need one return if that was possible they said yes it was possible they will send me {$560.00} back to my account. Around XXXX, I called again because they never sent me anything to my bank nor did I received a check on the mail they told me the check was mail for me to wait about 2 weeks and call them back if anything was received again. So I waited and at this time I keep making payment and was still behind 2 payments. Around XXXX since XXXX didnt received the check I told them to just apply that money to my balance and they said they would but never did. In XXXX I email the bank and told them again to apply it to current balance but they never did. When the repossessed my car I call the bank immediately to see why they had done that and the guy who answer the phone told me it was a mistake that I was not behind 3 payments that a payment of XXXX was never apply to my loan for me to call another department and he provided me with the number. When I called over-there I explain the guys and he said the bank had the right to repossessed the car after one missing payment I told him that was not in the contract and the said he didnt know what contract I was talking by about for me to wait a few days and then call back. When I call back in about a week they told me in order for Me to get the car back I needed to pay {$3800.00} at front and I could go pick up the car but didnt had the money for that at the moment. About a month later I got a letter stated they had sold the car for {$19000.00} and that there was a balance reminding of $ XXXX since the mount left on the loan was XXXX for me to start making payments on that or they would sent me go collections. I feel the bank didnt respect the contract and I understand I was behind on payments but they should of fixed their system and apply the {$560.00} they had somewhere and I never received. At least I should be charged for the reminder amount since they never took the time to review my account in detail.
|
| 03/04/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
On XX/XX/2018, I opened a checking account at the BMO Harris Bank XXXX XXXX, IL branch. I funded the account with a deposit of {$1600.00}. On XX/XX/2018, I received the debit card for the new account and noted the address was wrong. The city displayed was wrong. I called the bank and noted to the bank that the address city was wrong and asked for the address to be corrected.
On XX/XX/2018, I paid online via the debit card for a service. I thought it best to confirm my checking account balance and checked the balance online. On checking the online balance, I found my balance to be XXXX.
I contacted BMO Harris customer service and inquired what had happened. The Customer service person suggested that I contact the bank in person. I visited the XXXX XXXX, IL branch and was advised by a XXXX XXXX, bank rep, that my account was closed. Per XXXX XXXX, a XX/XX/2018 letter was sent to my address by the Compliance dept of the bank. XXXX XXXX said that due to no response from myself to the letter that the account was closed and a BMO Harris check was mailed to me. The check date was not know by Ms XXXX. But the check was mailed to my address. Ms XXXX said that she had personally tried to phone me to inquire to address the situation in the compliance dept letter.
I advised Ms XXXX that I had not received the compliance dept letter. Same for the BMO Harris check sent to my address. Further, I indicated that I had not received a phone call from MS XXXX.
I requested a copy of the letter from the compliance dept from Ms XXXX. She advised me that a copy would be sent to me via email shortly. After a few days and no email received, I contacted Ms XXXX via phone and email. I contacted the branch manager via phone and email ( Ms XXXX had supplied me with a wrong email address for the branch manager ) requesting the compliance dept letter. I contacted BMO Harris customer service requesting the compliance dept letter via BMO Harris via their website contact process. I contacted via phone voice mail with a XXXX XXXX of the XXXX IL BMO Harris branch to contact me. All attempts to have BMO Harris Bank contact me were futile as no body contacted me. I do not have the compliance dept letter.
I suspect that no compliance dept letter was sent due to the lack of no contact on this request.
My complaint is about the lack of service in not providing the compliance dept letter to myself and the closure of my checking account.
I have searched the CFPB database for similar account closure problems and have found 5 others.
|
| 01/31/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
|
|
I used my debit card for a retail purchase at a restaurant and the entire party I was with became very sick with Salmonella poisoning the day after XXXX. I called the restaurant many times and no one answered or phoned back. I then decided to request my money back via the bank card BMO and was told that they would investigate and also fund me my {$270.00} back while doing so. They asked me if I had contacted them and I said YES but that no one is returning my calls. They asked me to try again but that they would also do their part. I went to the XXXX XXXX corporate account, I went to " Contact Us '' and sent a very detailed email via their website about what happened and that I dont believe I should have to pay for this meal. My father was hospitalized with XXXX XXXXXXXX failure from XXXX XXXX from his XXXX XXXX XXXX XXXX. I included in the email my story, my check amount, my name and call back information as well as my email. on XXXX BMO sent me a letter in the mail requesting more information from me which made no sense to me, this told me that they were not being a good back to me. I was so busy with my father in the hospital, I finally sat down to write them a letter that I had not received a drop of communication from the restaurant and had nothing to provide them because I sent the email via their website ( without a response ) and my hands were tied. Yet, on XX/XX/year> the seemingly immediately sent me another horrible letter saying they would NOT refund emergency my money and basically could care less and sent me off to deal with this alone. I believe this is absolutely irresponsible. I received no calls from them, no information or proof that they even did anything to investigate on behalf of their clients and I am absolutely feel abandoned by my bank and I'm losing money to a company that isn't responsible, probably making other people sick and not following up with their correspondences. What is obvious is that my only option is to hire an attorney if this does not work out for me. I have never been treated so poorly by a banking institution. They don't do their due diligence for me, they're soon to be former customer. They showed me 0 proof of an investigation and never had an ounce of sympathy to help or accommodate me as I used their services to live ion this world. It is also their responsibility to advocate and investigate and yet all they did for me was send me contradictory letters without any help or advocate for the consumer. I feel completely abandoned and used by BMO.
|
| 10/12/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
the bank is supposed to honor a {$200.00} new account bonus, as long as i has a direct deposit from a paycheck.
I have contacted the bank probably 5-6 times, and i have already submitted a CFPB complaint.
The company 's response to my last CFPB complaint is invalid. They are advizing that my " direct deposits '' do not qualify - yet they have no valid reason to say this. Their frontline reps already tried telling me the direct deposits are not valid - when i showed them pay stubs from an employer, they came up with a new reason of why i do not qualify for the bonus. So, BMO already has my pay stubs on file, yet they are asking to see them again. What is going on? - EXPLAIN TO ME HOW MY DIRECT DEPOSITS DO NOT QUALIFY????????????? ON WHAT BASIS ARE YOU SAYING THIS??????????????????????????????????? READ YOUR OWN REQUIREMENTS, COMPARE IT TO THE PAY STUBS THAT YOU ALREADY HAVE ON FILE, AND EXPLAIN TO ME HOW YOUR REQUIREMENTS WERE NOT MET!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
This is a copy and paste from their response to my previous cfpb complaint : " Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. We reserve the right to request documentation that the direct deposits qualify. '' P.S.
If you are going to try to deny my the bonus once again, i kindly ask that you read the emails ive already sent your company. Like ive already mentioned, youve come up with 5-6 completely false excuses to deny the bonus - each time i have replied to your company, disproving the excuse, and then you just come up with a new one.
Your company 's response to my previous CFPB complaint was already disproven in my 2nd of 3rd email to your company. Please respect my time as well as your time and read the emails so that you dont try using an excuse that has already been disproven.
P.S.S : i am attaching a copy of one of the pay stubs which proves the direct deposit come from an employer. BMO Harris has on their records this deposit, as well as the 2nd deposit from the same employer which makes me qualify for the {$200.00} bonus becuase both deposits are mroe tahn {$300.00} and happened within 90 days of account open.
|
| 12/28/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
XXXX Went into BMO branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX and opened BMO Harris Premier account after seeing welcome bonus on the banks website. Mentioned promotion as reason for wanting to open this particular account.
Per terms on website the welcome bonus of {$500.00} was subject to meeting {$7500.00} in qualifying direct deposits in 90 days of account opening. Qualifying deposits include those from an employer.
Direct Deposits from employer made : XX/XX/XXXX {$1200.00} XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} On XX/XX/XXXX I called Bmo customer service, as no welcome bonus had posted to the account. Customer service advised that they could not find a promotion code on my account to check status of welcome bonus. Representative asked if my paperwork from the account opening had a promotion code attached. I advised it did not, only terms of the accounts. Transferred to XXXX XXXX on the Resolution team who advised she would have to reach out to the local branch to see if they had the promotion code. Told local branch should call within a few days, but may take longer as of XXXX XXXX XXXX. XXXX also advised if the local banker did not apply the promotion code, that they would be able to honor promotion from when I opened account. Given direct number to reach for any questions XXXX Received no follow up and reached back our to XXXX XXXX on XX/XX/XXXX. Left voicemail asking for status of request and call back.
Received no response.
Called back XXXX XXXX on XX/XX/XXXX and left additional voicemail asking for call back.
XX/XX/XXXX called customer service and spoke with Manager XXXX who advised she could help reach out to branch to figure out the issue with promotion. Disconnected from line while on hold.
XX/XX/XXXX spoke with another service representative who called branch directly. XXXX at local branch advised they had no record of me asking for promotion when I opened the account. They can not honor promotion without proof I asked for it. I questioned how would I provide proof when they are the ones documenting the process with access to my file? I advised that I had dated screen shots of the promotion on their website from the day I opened account. XXXX advised without written proof in my file he could not provide the welcome promotion. Only option is to possibly work with carrier resolution team. Transferred back to XXXX XXXX. Left voicemail asking for call back.
No call back received.
|
| 10/12/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
the bank is supposed to honor a {$200.00} new account bonus, as long as i has a direct deposit from a paycheck.
I have contacted the bank probably 5-6 times, and i have already submitted a CFPB complaint.
The company 's response to my last CFPB complaint is invalid. They are advizing that my " direct deposits '' do not qualify - yet they have no valid reason to say this. Their frontline reps already tried telling me the direct deposits are not valid - when i showed them pay stubs from an employer, they came up with a new reason of why i do not qualify for the bonus. So, BMO already has my pay stubs on file, yet they are asking to see them again. What is going on? - EXPLAIN TO ME HOW MY DIRECT DEPOSITS DO NOT QUALIFY????????????? ON WHAT BASIS ARE YOU SAYING THIS??????????????????????????????????? READ YOUR OWN REQUIREMENTS, COMPARE IT TO THE PAY STUBS THAT YOU ALREADY HAVE ON FILE, AND EXPLAIN TO ME HOW YOUR REQUIREMENTS WERE NOT MET!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
This is a copy and paste from their response to my previous cfpb complaint : " Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. We reserve the right to request documentation that the direct deposits qualify. '' P.S.
If you are going to try to deny my the bonus once again, i kindly ask that you read the emails ive already sent your company. Like ive already mentioned, youve come up with 5-6 completely false excuses to deny the bonus - each time i have replied to your company, disproving the excuse, and then you just come up with a new one.
Your company 's response to my previous CFPB complaint was already disproven in my 2nd of 3rd email to your company. Please respect my time as well as your time and read the emails so that you dont try using an excuse that has already been disproven.
P.S.S : i am attaching a copy of one of the pay stubs which proves the direct deposit come from an employer. BMO Harris has on their records this deposit, as well as the 2nd deposit from the same employer which makes me qualify for the {$200.00} bonus becuase both deposits are mroe tahn {$300.00} and happened within 90 days of account open.
|
| 03/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I received a credit alert via e-mail at XXXX pm CST via my XXXX Protect My ID program. I logged in and saw that BMO was reporting my account delinquent. I called XXXX at XXXX XXXX XXXX to inquire about it, but that phone kept asking for my phone number and PIN but never led to an actual person. I then called XXXX and ended up talking to XXXX.
He explained the XX/XX/XXXX payment was not received. Told him I sent it. He said because it was not a full payment, it was not applied. Paul admitted BMO has my mortgage payment, but BMO is refusing to apply it. During the conversation I learned my monthly payment had increased and that BMO never notified me of this. XXXX said BMO mailed me 2 notices, but when I asked him to give me the dates of the notices, he said he didn't have access to that. We went back and forth about the notices, he claiming I had received them but never producing any actual proof I had. I asked him to tell me what address BMO had sent the notices to, but he was unable to tell me either.
We were not getting anywhere, so I asked to speak to his supervisor. He put me on hold and told me his manager, XXXX, was on the phone with someone else and to give him a number XXXX could call me at.
After my phone call with XXXX ended, I started looking at the statements online, my preferences and my paper files to try to better understand what was going on. The last paper statement I have from BMO was the one dated XX/XX/XXXX. The last escrow analysis I received from them via mail was dated XX/XX/XXXX for changes effective XX/XX/XXXX. Every year, once I receive that, I make changes to my monthly payment. However, I did not receive any escrow analysis in the mail for changes effective XX/XX/XXXX.
I then turned my electronic version of my account with BMO. I went to the paperless statement setting to see if I could find any answers, but BMO tells me that I " don't have eligible accounts for paperless statements. '' I then checked the settings for security alerts and notifications and alerts, BMO has my current e-mail and phone numbers but never sent me an e-mail or a text about the change if payment and the so-called delinquency. I don't even get notices from BMO that a monthly statement is available.
I then tracked down the electronic statements to see what answers I could find. It turns out that the mailing address on those documents is " XXXX XXXX XXXX XXXX, Return Mail, IL. '' Even the escrow analysis for changes effective XX/XX/XXXX doesn't even have my address!
|
| 02/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Hello, I ordered a new XXXX XXXX XXXX on the manufacturer 's website on XX/XX/XXXX. I was presented with a {$60000.00} 2.49 % loan offer from BMO Harris Bank on the same day, but did not sign any loan documents. Vehicle delivery was scheduled for XX/XX/XXXX.
On XX/XX/XXXX I went to the XXXX dealership location ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) to pick up the car. Unfortunately the car was physically damaged and had several error notices showing up on the main screen. I spoke with a XXXX representative ( XXXX ) and he told me in his experience this was not normal. I told XXXX that I would reject delivery. XXXX told me that this would not be a problem and that XXXX would cancel the order, have a new car/VIN allocated for me to be delivered at a later time.
XXXX does NOT allow future owners to inspect the interior of the car and/or the software/computer inside the car before signing the documentation, therefore I was forced to sign their paperwork prior to completing my inspection of the vehicle. I asked XXXX if this would be a problem after I rejected delivery, he said no. He promised me orally and subsequently via text that my deposit ( {$8700.00} ) would be refunded shortly, that the documents would be cancelled and that a new car will be ordered.
On XX/XX/XXXX I received a notification from XXXX that a new lien was added to my credit report. This was the BMO Harris Bank loan for {$60000.00} that I never accepted because I rejected delivery of the vehicle. I reached out to XXXX immediately and asked him why my credit report was showing this loan. He told me that XXXX 's systems showed the loan contract as voided, that he followed up with XXXX 's financing team to confirm and that my deposit would be refunded within 30 days. I never heard back from XXXX.
On XX/XX/XXXX a BMO Harris Bank employee reached out to me to let me know that that loan was showing as due in their systems and that I needed to start paying. I explained the situation to him and asked him to reach out to XXXX to confirm that the loan was voided/cancelled and that XXXX kept the car. I reached out to XXXX again and asked for some sort of resolution, but I never heard back from him.
I filed a dispute with XXXX and today the dispute was " resolved '', but the loan remains on my credit report. I have tried getting XXXX 's help on this matter multiple times, but time and again they refuse to do anything to solve this issue.
I attach the communication I have had with XXXX for the past few months.
|
| 11/17/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I made timely claims to Bank of the West and Bank of Montreal dating back to XXXX of XXXX for money taken from my secured credit card before, during and after their merger. On XX/XX/, a representative named XXXX seemed to understand the fraud that happened to me and went as far back as she could to resubmit the claims I had submitted dating back to XX/XX/. While my cards were used, and possibly duplicated, many of my accounts were hacked and my identity appears to have been stolen. XXXX, submitted these claims after she reviewed them for three days. When she resubmitted the claims she also gave me an immediate provisional credit and unfroze my access to remove the cash from my secured card whereby they were holding $ XXXX of my money against. I had been trying to close the account and remove the cash I had in it because Bank of Montreal and XXXX XXXX XXXX XXXX had mishandled my fraud disputes on both my debit and credit cards for months, dating back to XXXX XXXXbut the bankers at the XXXX branch in XXXX XXXX told me they didnt know how to close my account and forced me to keep it open. I requested that my cash advance fees and interest on cash advances be reversed on or about XX/XX/. The woman told me she reversed this and instead of reversing it, she double charged me. On XX/XX/XXXX, a woman from the credit card department named XXXX contacted me and told me she wanted to go thru the list of claims for the life of the account and consolidate my claims and resubmit them to be investigated. While this was unexpected, she still wanted to do this right then. She refused to look at the fees and other charges. She grew impatient and said she would call me at XXXX on Monday, XX/XX/. She did not contact me whatsoever as scheduled and she did not give me a number to call her. On Tuesday XX/XX/ she called and wanted to proceed. She took all the items that I thought should be in the claims, even though they should have already had all the information. She ended with asking me specific questions about my cards being stolen. She would not entertain any of the other reasons some of the items were claimed and forced the reason of the cards being stolen to apply to every dispute which is not accurate and further makes me distrust this bank. She would not give me a new claim number and she did not provide me with any provisional credits, no fees reversed, and did not address my concerns regarding the time frames that have passed whereby an investigation should have already been completed.
|
| 10/07/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Older American |
|
In XX/XX/XXXX received a letter from the BMO Harris Bank which was stating that I owed them funds associated with a home equity account which has been settled since XXXX in conjunction with the Federal HARP program when the house mortgage and associated accounts had been settled.
I responded the same day refuting the claim and asking for proof that they were even licensed to make claims in the State of Ohio as I suspected this was a phishing exercise. Many weeks later ( actually months ) I received a copy of a statement which did not have my signature.
In XXXX of this year I received another letter which obviously did not even acknowledge my first response. I wrote back again on the next day and said this : Well I guess I should say Happy XXXX XXXX XXXX!! I would like to begin a conversation which will satisfy this issue with some civility. Your letter dated XXXX XXXX was just received yesterday. I always try to respond in a timely manner. The issues the US Post Office are having come to life with mail deliveries having no rhyme or reason.
I wrote back on XXXX XXXX with my response to your letter about this issue. I am including a copy of that letter as there has not been any actual answer, other than a form letter and a copy of a very old statement. I want you to be assured that I remain convinced this had all been settled with the HARP settlement in XXXX, XXXX. I also find it odd that after 7 years I suddenly am receiving these letters. I am well aware of the 7 year rules, and attempts to resurrect old and settled claims.
In the past 20+ years I have endured 2 divorces and defended this family home more than once. I would very much like to hear from an actual person. Please contact me so that we can have a quiet and civilized discussion.
I feel that my responses have been timely and reasonable in seeking solutions if necessary. This week I received notices to participate in a " mitigation '' program which could result in some kind of foreclosure action. I am more than alarmed. None of their letters offer any form of contact than a mailed response. All of these take time and now even more with the train wreck the US Post Office has become.
I still have no idea or recollection that BMO Harris was the bank of record and have a feeling that they have " bought '' the paperwork which was settled and are involved in a financial harassment. I do not think the 7 years is a coincidence. I take a threat to my home and my business very seriously and am seeking your help.
|
| 11/08/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Account opened without my consent or knowledge
|
|
Web |
Older American, Servicemember |
|
On XXXX XXXX, XXXX, I applied online to BMO Alto for a 12 mo cd with JOINT OWNERSHIP. It was crucial to make this joint since the amount we were funding exceeded the {$250000.00} FDIC limit. The application process asked me for the funding amount ( {$360000.00} ) and institution ( XXXX XXXX checking account ) which I provided. I gave them both joint owners names, social security numbers and other relevant data.
On the same day, XXXX XXXX I was emailed a welcome letter.
XXXX XXXX I was emailed an External account added to BMO Alto indicating the addition of my XXXX XXXX external account was successful.
XXXX XXXX I received an email titled Your BMO account ownership status saying we regret to inform you that were unable to honor your request to add XXXX XXXX to your account. This is to let you know that your account will remain in your name only.
XXXX XXXX my husband received an email titled Your BMO Alto application has been declined. This email just stated that his account application has been declined and there was NO REASON GIVEN.
The next morning ( XXXX XXXX, XXXX ) at XXXX XXXX I called BMO Alto at ( XXXX ) XXXX. I explained to the representative that since I opened and joint cd account and the joint owner was rejected I should get my investment returned. I was told that even though I applied for a joint ownership cd, since the joint owner was declined it automatically opened as a single owner. Furthermore if I wanted to cancel and get my money back I would be penalized for fees amounting to roughly 6 months of interest. He stated that if I added my husband as a beneficiary it would add an additional {$250000.00} FDIC insurance. We were skeptical however added my husband as a beneficiary since we felt we had no other option. The representative assured us we would be completely covered by FDIC and referred us to the FDIC EDIE system, provided us the banks certificate number ( XXXX ) and location ( XXXX, IL ). This information proved false as well. We learned that we had {$110000.00} not insured after adding a beneficiary.
Our complaint is threefold. 1 ) We applied as a joint owner. If BMO Alto could not satisfy this request they should have informed us and given us an option to cancel without penalty. 2 ) My husband was declined as a joint owner and BMO Alto did not provide us with a reason for this rejection. 3 ) We were told that the addition of my husband as a beneficiary would increase the FDIC insured amount. This proved to be false.
Thank you,
|
| 11/29/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
This has to be the worst bank I have ever had in my entire life of living and I havent been on this earth for that long. This whole XXXX has been a horrible experience with this bank. Beginning of the month cash was withdrawn from my account and I had to go back and forth with these people to file the dispute. Just to file the dispute, the branch office the people that work online and over the phone all told me different information. I felt like a chicken running with my head cut off because all of the information was conflicting. On XX/XX/XXXX they finally completed the investigation and then gave me my money back. But then guess what? My account is frozen. So I cant access the money that was taken from me. Its so funny because its like BMO basically stole the money back. That is so crazy. I then talk to the fraud department she said oh your account is frozen because of an altered check she said did you deposit I said yes she said oh your account is getting closed it will take 3-4 weeks to get your money. WOW. Didnt even ask for an explanation. I do party planning and decorations. The check was from a client for the remaining balance. I trusted this client as they also paid through XXXX or cash but they said their account would not let them send it through XXXX due to the limit and that they didnt want to get that much cash out so I allowed a check. I didnt check it because why would I check it from someone I trust. XXXX and behold the check is Altered and I have no access to the funds I already had and now I also lost out on the {$4000.00} I was supposed to be paid for the decorations. Now I have to go to small claims court for my money. Then I called your back again today the dude says oh you have to go to the branch your account is not closed its just frozen. You have to go to the branch to get your money and then we can close it. So then I called the fraud department again because this isnt what I was told yesterday. The lady this time says oh we are still investigating in whether or not we want to close it but you cant access your money. XXXX. Like do yall even know whats going on at yall bank. Every minute Im being told something different but I know one thing I STILL CANT ACCESS MY FUNDS. You guys want to close my account fine I really dont care I just want my money especially with the holidays coming up. I already have enough going on I dont need the extra stress that you guys have already caused. This is beyond ridiculous. My updated phone number is XXXX
|
| 12/22/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
On XX/XX/XXXX, a person who had stolen my husbands identity walked into a branch of the BMO Harris Bank somewhere in the XXXX XXXX area. He tried to cash a very dicey looking check ( my husband and I have seen a copy of this check ), and was told that he couldnt have the checked cashed, but that he could deposit it into the joint account checking account belonging to my husband and me and then make a withdrawal. He then made two withdrawals totaling {$8000.00}. In other words, the bank assisted with the theft. When my husband and I learned of this illegal activity on the account, we reported it to Harris Bank. They filed a fraud charge with their department and set up a new account for us with a fraud alert on the new account. Then on XX/XX/XXXX, a person walked into a branch of BMO Harris in Indiana and cashed two fraudulent checks totalling {$7900.00}, using my identity ( despite the fact that there was fraud alert on the account ). We were actually out of the country in XXXX when this occurred. However, we found out about it when we returned, reported the theft to Harris bank, and were told that our checking account would be frozen. They assured us that no money could be taken out of the account. This was on XX/XX/XXXX. However, on XX/XX/XXXX, someone walked into a branch of Harris ( Harris did not tell us of the location of this branch ), and cashed a fraudulent check for {$2900.00} using my husbands, XXXX XXXX, identity. Mind you, this is after we had been assured that our checking account would be frozen. ( No money could be withdrawn by anyone. ) Since then, on XX/XX/XXXX, we withdrew most of our money ( all but {$200.00} ) from Harris Bank. Now, we realize that BMO Harris is not responsible for all identity theft. ( Although we do wonder if they have had a data breach that they are not telling us about. How else was our bank account information stolen? We have had no problems with other accounts or credit cards. ) But the bottom line is that they have been appalling lax about securing our accounts. A fraud alert and even a frozen account were all ignored by the personnel at the bank, as the criminals walked out the door with our money. Isnt the very essence of banking to keep the consumers money safe? Harris tells us that within six months they will complete their fraud investigation. In the meantime, though, we have lost this money, even if it proves temporary, and we are appalled at Harris Bank 's sloppiness and feel the need to report it.
|
| 06/29/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
Back in XXXX I stayed with the XXXX Hotel in XXXX, Az for XXXX nights. XXXX of the nights was paid for with my debit card and the other XXXX nights I paid cash which was {$340.00}. I did not pay cash until I checked out of the hotel so my debit card was pending authorization for my stay. After waiting a few days for the money to go back on my debit card it was to my surprise that the hotel was still authorizing my debit card after I was no longer staying there. I realized this when I had tried to make an ATM cash withdraw and my debit card was declined. I immediately got online to see what was going on and at this point I went straight to the hotel to inform them and to get my money back. After an hour in a half standing at the front desk of the hotel XXXX of the employees and the manager released my funds. It took XXXX days for the money to go back into my bank account and once it did it was immediately taken out. I called customer service with my bank and was wanting to put a block on my debit card for the XXXX Hotel, but per BMO Harris I was advised to close my debit card which is exactly what I did. XXXX days after closing my debit card and already having a new debit card and using it my bank account went into the negative for over {$1100.00} and it was because my bank authorized the charge with the XXXX Hotel. This time I immediately went into my bank to handle this. Not only was the banker at the branch not understanding why this had happened, but the XXXX people he had spoken to on the phone were also baffled with what had happened. I ended up filing a dispute which I was complaining about having to do since this was clearly something that was XXXX 's problem, but I filed the dispute anyways. Within XXXX days my account was back in positive standings and that was that. XXXX months later my account is back in the negative due to XXXX denying my claim which is why I am filing this complaint today. I have spent hours on the phone with BMO and I can never speak to anyone who works directly with the claims department. Instead, I am always having to speak with a CSR who has me on hold for XXXX minutes so they can read the notes and then on hold again so they can speak with someone directly in the claims department and the conversation ends up being me on hold while they talk and come back to tell me what they said. Last week after XXXX XXXX hour phone calls and still my bank account is in the negative I feel as if I have no other choice than this.
|
| 01/23/2024 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American, Servicemember |
|
BMO/XXXX Fraud Unit Is Non-Existent XXXX | XX/XX/2023 I opened an account at BMO/XXXX just prior to XX/XX/XXXX. I originally funded the account with {$25.00} through an ACH deposit from one of my other banks. That deposit was followed by a XXXX XXXXXXXX deposit which sat in my account for a while or until at least it cleared, which it did. I was looking at my account and discovered that XXXX of my creditors attempted to set themselves up as XXXX Accounts which I did not authorize. Before this discovery, I attempted to make XXXX ACH Transfer to XXXX different accounts. Which after 5 days they did not go through, so I called XXXX bank to discuss this transfer and the attempted external accounts. The Rep put in a complaint for me, or so I thought. Based on the attempted fraudulent additions, I ask that the XXXX ACH Transfer be canceled until this is resolved. This was on XX/XX/2023. My account was immediately locked up, preventing me access to my account or my money. I did get through to the main number and was told that the Fraud Unit was investigating and would contact me in 3-5 business days, It is now the XXXX of XXXX and I have yet to hear from this so-called Fraud Unit. Both me and my attorney have made several attempts to contact this Fraud Unit and if we do happen to get someone to answer on the main number, they transfer us to a non-monitored line, and we sit on hold for a long time and in some cases over two hours and gave up. I want access to my account and my money as I now wish to close out this account. I know I am not alone with this problem as I have read other complaints. The question is, where do I go from here? They are holding over {$30000.00} hostage and I really need my funds. How are they allowed to get away with this? Time for the Feds to investigate this bank and seeing they are actually a XXXX Bank, prevent them from doing business in the USA.
If you follow this link, you will find Numerous Complaints against BMO/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX They have my account locked up and are holding over {$30000.00} of my money and are hiding the fact that their Fraud Unit is nonexistent. I honestly believe that their intent is hoping I will just go away and allow them to defraud me out of my money. Please investigate and help me resolve this injustice. I think you will find the additional complaint with XXXX quite interesting if you are not already aware of this site.
Thank You, XXXX XXXX XXXX
|
| 09/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/2023, my bank, BMO, began a transfer of its newly acquired bank, Bank of the West. During that time, as stated on their website, " Debit cards will continue to work for merchant purchases and ATM cash withdrawals, but not for balances and other account information throughout the weekend. " ; therefore, access to money in accounts was available, but customers would have no access to view their accounts online or on the app during that time. The dates of the process would be XXXX XXXX with regular service resuming XX/XX/XXXX. On XX/XX/XXXX, I began receiving cell phone notifications from BMO that my automatic monthly charge to my cellular provider was declined. I received this alert several times every day during the four days mentioned. I then began receiving additional notifications from other merchants I had set up autopay with using my BMO checking account. One merchant, XXXX, reverted to a previously saved card that I did not want to use ; the process for changing it back required several steps and much of my valuable time. Fearing something had happened with my BMO account, I stopped using the debit card, and tried to contact the company. Because of this massive transfer BMO was engaged in, all attempts to speak with a representative resulted in exhaustive wait times on the phone and finally giving up. On Tuesday, XXXX XXXX, when BMO assured its customers that service would return to normal, I was able to view my account online and see there was ample money available ; I assumed the declined payments were a product of BMO 's transfer. That same day, I attempted to use my card with a merchant with whom I was dining, and it was declined. I called BMO again and this time I was able to reach an operator. The operator informed me that on XXXX XXXX, I attempted a purchase that appeared to be fraudulent. ( The purchase was to a music service for {$14.00} ; I had previously used this very same service just over a week prior, on XX/XX/XXXX for {$28.00}, with no red flags raised by BMO. ) In addition to this not previously causing red flags, BMO made no attempt to contact me on the date of the charge, despite my having all alerts set on my cell phone, and BMO sending me repeated alerts about all of my declined auto-payments for four straight days. Finally, the " fraudulent '' charge showed that it had cleared on XX/XX/XXXX, despite BMO never receiving my permission to accept it or confirming the charge in question was fraudulent.
|
| 01/29/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I am writing to you as I have had funds removed from my account without my permission or knowledge. I have met with the bank manager, XXXX XXXX, several times and he has not been able to assist in a productive manner.
On XX/XX/2023, there was a debit to my account of {$100.00} to XXXX XXXX through XXXX XXXX. By the way this is my name?
On XX/XX/2023, there was a debit to my account of {$200.00} to XXXX XXXX XXXX XXXX through XXXX XXXX
I have never used XXXX XXXX.
To use XXXX XXXX the person must move monies from their account into XXXX XXXX.
This has never transpired from my account, as it would show up.
Why would I pay myself {$100.00} from XXXX XXXX? It is not logical. I would go to the bank and withdraw.
I do not know XXXX XXXX in XXXX XXXX.
At this time, I filed with my local bank for theft. XXXX, the manager, filed this for me.
I felt confident all would go well as this was theft from my account and I never used XXXX XXXX.
As you look through my bank statements you will see I only use XXXX to transfer monies and it is to three people only, look at my statements.
To my surprise your investigative team came back and said these withdrawals, thefts, from my account were valid. This is astounding ignorance as we all know thieves have programs they place on credit card machines, gas station pumps, they sit next to you and can scan your card.
I went to the bank again and asked the manager, XXXX, to intercede and get the proof from XXXX XXXX. He said he could not and that I needed to call customer service.
I called customer service and there is absolutely no way to speak with a human person. Your bank demands approval to use my voice for identity before I speak with a customer service representative.
Poor customer service, you should offer an option.
I called your corporate office on XX/XX/2023 and left detailed information on the theft from my bank account. I was assured I would return a call back. Never happened.
I work for XXXX XXXX in XXXX XXXX and spoke with our IT Department on this issue with XXXX XXXX The Director of IT said it would be very easy to prove I never used the XXXX XXXX by accessing my phone system.
As a result of your incompetent researchers, you are charging me the {$200.00} and insufficient charges.
I am reaching out as I want this issue resolved and closed.
The bank where I opened the account is BMO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the manager.
|
| 10/12/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
I am reaching out in regards of the complaint that I have. I was in the a processing of purchasing a home through BMO Harris Bank. XXXX XXXX who was my lender would approve my application and I give her everything she asked for then she would turn around and decline my FHA application. XXXX done this to me three times. It got to the point that I went inside the branch to file a complaint and requested to speak to her manager regarding this matter. The supervisor of XXXX XXXX got back with me until months later. So I applied again and XXXX approved my loan application again. At this point I was very close to closing and didnt want anything to happen. XXXX went from telling me I need XXXX, XXXX to XXXX at closing for my closing cost. I went back up to the branch at speak to XXXX and the branch manager at BMO Harris bank requesting for her supervisor to please take a look at my paperwork because it just wasnt sitting right with me. XXXX and the branch manager was really trying their hardest to help me with my mortgage loan. The manager finally got back to me in late XXXX of XXXX I was suppose to close on my home that XX/XX/XXXX. Two days before my closing date XXXX XXXX once again declined my loan application. I felt like I was being targeted by her because of my race. Her supervisor XXXX XXXX explained to me that my loan application was going to be declined regardless because she done my paperwork wrong. So at this point the guy that was selling the home no longer wanted to wait on BMO Harris and he felt like that BMO was also discriminating against me. Unfortunately someone purchased the home now. XXXX XXXX told me that she would have someone else help me with my loan but to look for another home. I didnt want another home, I wanted that home, the seller took his house off market for almost a year because he was determine to give me the home for myself and children. But he no longer wanted to deal with BMO Harris. I feel like all of this could have be avoided if XXXX would have stepped in when I requested for her to. When I reached out to XXXX to asked why my application was denied again she ignored me. I felt like this was all a game to them and I was taking as an joke. I even reached out to BMO Harris myself requesting to file an complaint and to speak to XXXX. No one from that bank ever followed back up with me regarding this issue. I was treated unfairly. I also work at a bank and I never done a client how BMO Harris done to me.
|
| 09/04/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Older American |
|
BMO Harris is using unfair if not illegal practices concerning depositing of cash funds and and backdating checks to create overdrafts.
On XX/XX/2019 I went to my account online to find it was overdrawn $ XXXX.xx at XXXX XXXX. At that very moment I transferred {$700.00} from a savings account into that checking account.
Looking at the account the next day ( XX/XX/XXXX ) showed a XXXX OD fee ( yes, I agree ) PLUS 2 more checks posted against the account on XX/XX/XXXX creating 2 more OD fees of {$72.00}!
Clearly the two additional checks ( XXXX, XXXX ) were received by the bank on XX/XX/XXXX and then backdated to the XXXX. They WERE NOT in the account as of XX/XX/XXXX. I saw that figure online.
Furthermore, the bank inexplicably puts my cash transfer deposit on a " PENDING '' status from the XXXX to the end of day on the XXXX! This itself is also wrong.
The bank is manipulating all transactions to skew them against the customer and this should be illegal.
I called them two times, once on the XXXX and again today. A customer service supervisor named XXXX at their XXXX XXXX center offered to refund 1 OD fee and not both of them. When confronted with details of their shenanigans she becomes very evasive and towed the company line of " we feel a customer needs to have full funds in the account as soon as they write a check. '' This is absurd, Full funds must be in the account when a check is presented to the bank for cashing.
Another fishy bit about this is customer service on the XXXX confirmed the time of deposit was XXXX XXXX and that agrees with my memory. I knew it was past XXXX XXXX, BMO 's cutoff time for entries that day.
Today, XXXX tried to tell me the transaction time was XXXX XXXX on the XXXX! Which actually supports my case. When questioned about thisd ridiculous statement she huffs and says she has " no time to go into minute by minute details ''. I point out that we are not talking about minutes here but DAYS!! And that is not important to her when it comes to being caught in a deception.
In a nutshell, BMO has a strategic plan to defraud customers of fees by purposely manipulating dates a check debits ( posts ) and then holds deposits as " PENDING '' with no valid explanation, so on paper, it appears everything is smooth and legit. The blue " PENDING '' banner disappears when they finally credit the account, never to be seen again by an outside auditor or online in my account.
Nail these thieving XXXX will you?
|
| 04/15/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
Older American |
|
I have been a customer of BMO Bank for decades. Several months I inquired about a personal loan to consolidate my debts. I was told by the banker that I needed to raise my credit score to XXXX. She told me my payment history was very good, but I filed bankruptcy in 2016 so I needed to show improvement. I did what she said and got my score to XXXX. I inquired again and was told by a different loan officer that I needed a credit score of XXXX and that BMO primarily pulls from XXXX. I continued to persevere, and got my credit score to XXXX. This past week I reached out to my local Branch and inquired again. I left a message on Tuesday, no reply. I called on Wednesday and spoke briefly with the banker and she said she would call me back. Didn't happen. Today, Friday XX/XX/XXXX. I finally was able to speak with her. I specifically said I did NOT want my credit report pulled if the bankruptcy would effect the decision. She told me since the bankruptcy was 7 years ago, not to worry because they just go back 3 years. I told her to go ahead and pull it. I was denied. She said the underwriter denied my application because of : 1.bankruptcy 2. I had 2 late payments 5 YEARS ago.
3. I used more than 20 % of my available credit!!!!
Let me say, I was livid! How many people have they given loans with late payments in the last 3 years? During the pandemic and the high rise in inflation, I still managed to make on time payments, pay more than the minimum, and raise my credit score. How many people can say that? I also OWN my home. So to go back 5 years and use 2 late payments against me is morally and ethically wrong. I don't know anyone of average means that does not have credit card debt. I feel discriminated against! I did what BMO told me to do. I jumped through their hoops and they kept changing the rules. Today, after telling me I was denied, the banker said when I got my credit score to XXXX and my usage below 20 % to come back. Is this the criteria for everyone applying for a personal loan? I was not seeking to go further into debt. I was seeking help to get out of debt faster.
This is BMO 's Mission Statement : Banking is our personal commitment to helping people at every stage of their financial lives.
Where is there commitment to me, a loyal customer for decades? Shameful they can keep changing the rules. Now my credit will take a hit because of the hard inquiry. They hurt my credit and did not help me as I was led to believe.
|
| 05/22/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
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
|
| 12/10/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
On XXXX at about XXXX XXXX Central time, I went online to open a BMO Alto online high yield savings account at https : //alto.bmo.com/ I entered all of the requested application information carefully and accurately, triple-checking the accuracy of each piece of information that I entered.
I submitted the online application and was immediately informed onscreen, " Sorry!
We're unable to approve your application today. We'll send you an email with more information. '' An email followed shortly afterward which stated, " Thank you for your interest in BMO Alto. Unfortunately, your account application has been declined. '' It did not provide any specific reason for my application being declined.
I then called the customer service number provided on their website ( XXXX XXXX ) and spoke to a customer service representative. I provided her with my application information, and she reviewed my application, telling me that I was declined because they could not verify my identity. She said this could have been caused by me not entering my information correctly on the application. There is NO WAY that I did not enter my information correctly, as it was basic personal information that I provide frequently, and I was very careful as stated above. My credit is stellar ( exceptional rating ), and I do not have one single blemish on my credit report. I have never been declined on any application that I have submitted previously. I have opened several other online high yield savings accounts in the past few years with no issues whatsoever.
This declination is very unusual and suspicious and in doing some online research, I have seen many other comments and testimonials by other BMO Alto applicants who said there were also declined for no good reason. I believe there are problems with their systems or procedures which are causing applicants to be falsely declined. Not only does this prevent me from opening an account that should be available to me, but my credit report and rating are also being adversely affected by this wrong, incorrect declination of my application.
I request that I be allowed to open this BMO Alto high yield savings account and any other deposit accounts being offered. I also request that any adverse reporting from BMO Alto to any credit agency as a result of this application declination be removed from my credit report and rating.
For your reference, my Application ID is as follows : XXXX
|
| 02/14/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I recently filed a complaint against BMO Harris Bank. I requested that they freeze my account and prevent any further activity. I also requested they send me my original signature cards, as in my previous claim, they alleged I was not the owner of the account.
BMO has charged me over {$3000.00} in fees in the last XXXX months, even though I requested my account be frozen. In spite of this they have let transactions go through my account, which I let them know were unauthorized and no one from the bank has reached out to me in effort to resolve this. Below is my original request.
I tried to conduct business on my business checking account months ago and was told that I had been removed as a signer by the other signer on the account. When I tried to resolve this matter in the branch, I was given resistance and subsequently told that I had been removed and could not be added back.
Recently I received a letter from BMO stating that I had not in fact been removed from the account and was a current signer as I had been since the account was first opened. It befuddled me how such an error could occur.
I would go to the branch trying to transact business and told I was not a signer and were not allowed to speak with me. I was also informed by an inside source at the bank, that negative comments were attached to my the account, in a roundabout way, stating I am a nuisance to the bank!
After, being granted access again to review my account after several months, I was affronted to find my account negative summing nearly {$1000.00}, after several months of my access being denied, due to unauthorized transactions!
First, I am requesting any negative comments regarding me be removed from this account, as it creates a poor customer service experience at the teller line as well as when working personal bankers. It 's an impediment on the overall morale of the customer relationship! Additionally, I am requesting that this account be frozen and a new business account be opened until we can resolve and get to the bottom of this negative balance.
And due to a death in my family and a father with XXXX, I am unable to go into the branch, so your willingly to help me resolve this using technology is greatly appreciated.
Please be advised that a copy of this will be forwarded to the Office of the Attorney General as well as the Consumer Financial Protection Bureau for closer scrutiny of this matter!
Thank you!
|
| 02/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Complaint against BMO Harris Bank I have a property Florida has gone through foreclosure. During the first foreclosure I paid the reinstatement fee of what they requested in the time they requested. This was in XXXX of XXXX. It was right about {$24000.00}. This also had about {$5000.00} legal fee. We were supposed to get a reinspection in XXXX. We ordered that from the bank. Then they sent out the wrong insurance company. Then they had to send out another insurance company in XX/XX/XXXX. We then had to hire an engineer and that cost {$3000.00}. I had to pay for that out of my pocket. This was because a tree fell on the house. The bank still has part of the money from the insurance. They won't pay that out now. I missed a few payments on the house and I found out they were doing a foreclosure again. I called them to see how much I needed to pay to get it out of foreclosure. They came out in XX/XX/XXXX and tried to changed the change the locks but my neighbor stopped them because the house was occupied. I contacted them and told them I would pay the back payments to get the home out of foreclose. They tried to charge me another {$5000.00} fee against. I told them I didn't thing that was fair since I paid the fees last time. They then said I didn't pay the taxes but I did. I agreed to pay the back payments I owed. They said they had the right to charge the legal fees. I asked them how could they do that since I could not live in the house since I was getting it fixed due to the tree damage and they are still holding the insurance money. Then they said there was something wrong with the title and that would be another {$2000.00}. I have had this house since XXXX and there has never been a problem with the title. I am the contractor right now and I am paying other contractors to help me to fix the house from the tree falling on it. So all my tools and everything are in the house. They came back in XX/XX/XXXX and broke into the house and changed all the locks. They were not supposed to do that and I advised their attorney that they was wrong. Their attorney said he would check with the bank to see why that happened. The address of the house is XXXX XXXX XXXX XXXX XXXX, FL XXXX.
this complaint was filed and closed but the bank agreed to resovle and remove service fees and legal fees but to date they have not made the adjustments to the acount. i have made calls and left voicemails and no response.
|
| 11/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Hi I am writing to express my deep frustration and disappointment with the handling of an ongoing issue related to my BMO auto loan account # XXXX.
Unauthorized transactions were executed from my XXXX XXXXXXXX XXXX account to BMO on the following dates : XX/XX/XXXX ( {$570.00} ), XX/XX/XXXX ( {$860.00} ), XX/XX/XXXX ( {$860.00} ), and XX/XX/XXXX ( {$860.00} ). These transactions, totaling four in number, were directed to an individual named XXXX XXXX. ( Account # XXXX ) at Harris BMO Banks. To my great astonishment, these transactions took place without my knowledge or consent.
I contacted XXXXXXXX XXXX on XX/XX/XXXX, to file a claim regarding these unauthorized transactions. XXXXXXXX XXXX, recognizing the gravity of the situation, closed my account and subsequently refunded {$1400.00}, covering the transactions on XX/XX/XXXX and XX/XX/XXXX.
In addition, I reached out to BMO in XX/XX/XXXX to address and rectify this issue. XXXX XXXX, a Resolution team specialist at BMO, has been assisting me with this matter. During our discussions, it came to light that BMO initiated two fund transfers to my closed XXXX account. On XX/XX/XXXX, an amount of {$860.00} ( with trace number ACH : XXXX ), and on XX/XX/XXXX, an amount of {$950.00} ( with trace number ACH : XXXX ). Regrettably, these transactions were reversed and returned to BMO, and I did not receive any funds with these transfers.
I am specifically requesting the reimbursement of the funds related to the unauthorized transactions on XX/XX/XXXX ( {$860.00} ) and XX/XX/XXXX ( {$860.00} ), from BMO.
Despite my efforts to resolve this matter, I have experienced six months of unproductive back-and-forth with XXXX at BMO. This ordeal has not only been time-consuming but has left the issue unresolved. I am deeply frustrated by the lack of progress and the constant redirection between XXXX and BMO.
It has come to my attention that the root cause of this problem may have been an error made by a BMO representative, resulting in the misdirected auto payments. I firmly believe that it is BMO 's responsibility to address and rectify this situation promptly.
I am left in a position where I do not know whether to reopen my old XXXX account, as their advice to file a claim seems impractical given that my account is now closed. I am seeking your urgent assistance in resolving this matter and preventing any further unauthorized activity on my account.
|
| 10/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
On XX/XX/XXXX, I opened up a BMO Relationship Checking account. The account opening was successful, and I was able to create an online username/password. I was able to successfully log in and see my account number. To open, I was required to deposit {$25.00}, which I instantly did.
On XX/XX/XXXX, I was able to log in to my online account, but my Relationship Checking account had disappeared. I called IT support, and they said they could not find my account ( I unfortunately forgot to write down my account number on XX/XX/XXXX ). I was able to confirm with the applications team that my account was successfully opened, and that I needed to wait XXXX business days to get it processed and for it to reappear online.
On XX/XX/XXXX, I was no longer able to log in to my online account. It said that I had the wrong username/ password, and when I tried to reset with my social security number and email, it said that the information didn't match.
On XX/XX/XXXX, I went into my local XXXX branch. The XXXX representative could not find the account in her system, but she was able to call in to the same applications team from XX/XX/XXXX. They told her that there was some technical issue that was causing problems, and that they could not release my account number. The BMO representative told me to wait another XXXX days to see if the technical issue had been resolved.
The following week, I received XXXX letters in the mail. The first was to activate my debit card, and the second was an account statement for the period between XXXX, which confirmed my {$25.00}. On the statement, I received my full account number. I was unable to activate my debit card via the automated phone line, and was transferred to a representative, who then told me to go into the branch to resolve the issue.
On XX/XX/XXXX, I made another trip to the BMO branch with these XXXX documents in hand. Still, the BMO representative could not find my account, and the BMO representative called their back office. The back office instructed her to create a work request internally to get a resolution to this issue, and that they would investigate and get back to her within XXXX business days.
I am writing to you today, on XX/XX/XXXX, still unable to log in online, with no access to my account or debit card. The BMO representative never contacted me, and it has been over a month with no access to my account, nor the funds inside.
|
| 10/18/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
Older American |
|
I got no help from BMO at the transition of Bank of the West to their platform.
Firstly, I was told that there was no guarantee that any of links would hold, because the ABA routing number was changing. In order to be sure I salvaged my perfect credit score, I had to act and relink my credit cards, utilities, paycheck, online savings, brokerages etc. to a guaranteed ABA and bank account number. As I was receiving no help from BMO, I chose at that juncture to relink to a different bank. This took multiple hours.
I later again went into my main branch of the new BMO and asked if they could at least help me understand what my previous accounts were actually morphing into ; the nomenclature on my accounts and whether I needed a minimum required balance now at BMO. I was told that I would require a {$5000.00} minimum balance on all of my accounts, which turned out not to be true. The way my Money Market checking was structured at Bank of the West required NO MINIMUM balance.
Another branch said that {$300.00} would suffice, so I left my Money Market Checking open with that {$300.00} minimum, only to be told by another branch that it requires {$1000.00} minimum at all times or Id be hit with a {$10.00} service fee.
I immediately beefed my balance up to the required {$1000.00}, but that was obviously too late in the XXXX statement cycle.
That branch manager said that he would waive the fee as a courtesy as soon as he saw it, because Id been given wrong information and rectified it as soon as I was given the correct information.
When the service fee hit, that manager did not reverse it as promised, he did nothing, thereby bringing down my balance to below the required {$1000.00} again making it assured that another {$10.00} fee would hit at the end of the XXXX statement cycle anew.
I was out-of-state and didnt realize that he had lied until I arrived home and was able to check the account online from my desktop computer.
I will now close that account and rescue the remaining cash in there.
The gist of this is that I was lied to by three different branches in XXXX of 2023.
The XXXX number is inaccessible all day and all night.
I will next close out my Credit Card.
Feel free to contact me, if youd like any further information. I have retained documentation of names and locations. This is not a good business model for a bank.
I strongly recommend that no one bank at BMO.
|
| 04/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/XXXX I received a check for XXXX from a business I thought was a scam. Since my research of the company ( via XXXX ) on the check came back the business was legit I held onto the check for about a week. On XX/XX/XXXX I took the check to my bank ( BMO Harris Bank ) and asked if I deposited it and it bounced am I out the bounce fee of {$12.00}. The rep said yes. Because of this I pulled over and called the bank that the check was from. They confirmed that yes there were sufficient funds to cover the check. I then went back to the bank and deposited it. I waited another week to make sure the check didn't bounce. At this point I texted back the issuer of the check who told me to send them {$1400.00} back and keep the rest. Seeing as though I've heard of this to be a scam, I called my bank who would not allow me to send the money. They identified it as fraudulent and froze my account. I was then told by the bank rep I would have to go to a local branch to remove the freeze. I did this near the XXXX. Thinking this was the end of the issue I payed no attention to my account. Then near the XXXX I realized my credit cards weren't getting paid .Then my paycheck didn't get deposited on the XXXX. I FINALLY got through to the fraud specialist who said my accounts still frozen and she doesn't know till when. I am now without any financial means. My three credit cards and checking account is shut down and I have not received my paycheck.
I explained I did my due diligence to confirm the check was good. The bank put the money in my account, I didn't spend any, thinking it was fraud, I brought to their attention and told them the crooks have no link to my account or any financials, they froze my account because of what " I '' brought to their attention. Now after having this account at this bank for at least 20 years the fraud specialist says I need to open a new account, my funds are frozen. She also went on to mock me that I " c'mon your a grown man you should know better '' Also '' YOU sir are the one that started this problem ''. She then went on to give me a list of transactions on my account " you don't know about '' due to the register reading different amounts from her screen to mine.According to my register I should have at least {$500.00} in my account. She says its about - {$500.00} and at the end of the investigation if there is any left they'll send me a check ... .and BYE.
|
| 12/14/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I was a Bank of the West customer. Bank of the West was acquired by BMO and the transition took place over at the end of XX/XX/XXXX and beginning of XX/XX/2023. I have numerous accounts with them including business accounts. Nearly as soon as the transition occurred, my business credit card was hacked by someone in XXXX so BMO closed my account. While they said I would have new card in 5-7 business days, it took almost three weeks to get a new card. I needed the card in the course of my business.
Now that I have the new card, my transactions frequently get denied and I have to call BMO.
In addition to this, I can no longer directly pay my credit card from my BMO accounts. They created some website called XXXX XXXX for business credit cards. We are required to use this website to pay our business card but it never works. I have had to changed my log in, password and security questions many different times and it still doesn't work.
I have to call BMO to have them transfer funds from my other accounts to pay the business card! THEN, they put a week long hold on the transaction. These are funds coming from accounts I have with them. They KNOW the money is in the account yet they put a hold on the payment. I think they are doing this intentionally so they can charge interest on the card.
This morning, I had another purchase that was declined so I called BMO. While the rep was talking to me, she said she heard a voice in the background and wanted to know who else was a co-signer on the account. I do not have a co-signer on my business credit card. I told her the voice was my boyfriend and the news on the television. She insisted that I provide her with my boyfriend 's phone number or she could not continue the call. I explained to her that he is not on any of my accounts and had nothing to do with my business card or anything else. I asked to speak to her supervisor. I was on hold for several minutes and the rep said the supervisor was busy. She came back on trying to encourage me to call during business hours. I said I would hold. She asked again for my boyfriend 's phone number and I refused to give it to her. I said I would hold for a supervisor. She eventually terminated the call.
The problem began in XXXX of XXXX and today 's date is XX/XX/XXXX for the most recent problem. BMO should have records of all of my phone calls and problems associated with this credit card.
|
| 10/03/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
BMO Harris Bank conversion of Loan Servicing to XXXX XXXX XXXX which took place XX/XX/20 - XX/XX/20 XXXX Written notification, sent by mail, was received less than 14 days in advance as is required by law.
The letter was printed on XX/XX/20 but was not received until Monday XX/XX/20.
This only allowed 10 business days to find an alternative.
I did not wish to work with XXXX due to their numerous negative reviews.
2-They could have emailed me about the conversion 14 days in advance, but did not. They emailed me a " reminder '' TWO DAYS before the conversion on XX/XX/20.
They have emailed all my statements in the past, so they had this information and could have used it but chose not to.
3- I paid the Payoff Amount on XX/XX/20, this included the 17.23 interest due.
4-On XX/XX/20 XXXX sent a statement billing me a second time for the 17.23 interest.
The statement even shows that I paid the 17.23, yet they are demanding it again.
5- XX/XX/20 I used the BMO Harris `` Contact Us '' form to request correction of their billing error. I gave them detailed information including account numbers. No response.
6- XX/XX/20 I used the BMO Harris `` Contact Us '' form to request correction of their billing error. I gave them detailed information, including account numbers and statement copies. No response.
7- XX/XX/20 I sent a letter by mail to request correction of their billing error. I gave them detailed information, including account numbers and statement copies. I asked them to close my account and reflect this was done at my request and signed the letter. No response.
8- XX/XX/20 I emailed Mr. XXXX XXXX CEO of Harris , to request correction of their billing error. I gave detailed information, including account numbers. I asked him to close my account and reflect this was done at my request.
No response.
9-I tried calling the 800 number several times over several days and all it does is loop from one voice menu to another. It is impossible to reach a person.
There are likely understaffed, as they have numerous jobs posted on XXXX, XXXX, etc.
XXXX has a horrible track record and mostly negative reviews.
I do not want these people to destroy my good credit.
It is appalling that from XX/XX/20 through today, XX/XX/20 there have been no responses in any way shape or form regarding my communications.
Isn't it a law that there must be a response within 5 days?
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| 09/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I refinanced my mortgage with Bank of Montreal Ontario, Harris Bank. ( BMO HB ) They have farmed out their mortgage servicing to XXXX XXXX lending, at XXXX.
BMO Harris Bank Customer Advocacy Support and Escalation Team XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX, is who I went with for the refinance and they submitted a check to BMO HB on XX/XX/2020 and the check was cashed by BMO HB on XXXX/XXXX/2020.
I have written customer support at BMO HB several ( 10-12 ) times beginning on XX/XX/2020 up until today XX/XX/2020 asking about when I should expect to receive the balance of my escrow funds {$2000.00} and have gotten no written response or resolution.
Additionally, I did not receive my regular monthly statement for XX/XX/2020 on the XXXX of the month. After several written requests I finally got a XX/XX/2020 regular statement electronically on XXXX/XXXX/2020.
I have also requested a closing settlement statement from BMO HB that describes the payoff amount of {$170000.00} provided by XXXX XXXX on XX/XX/2020 that was cashed by BMO HB and describes how this number was settled against the actual principal balance of {$170000.00} after the XXXX 2020 payment that was made on XXXX/XXXX/2020. I calculate a difference that should be paid back to me of {$230.00}.
I would like to be paid the amount of {$2000.00} which is my money left in my escrow account and an estimated date for when I should expect to receive my escrow funds and the difference due to me from the excess payoff funds of {$230.00}.
The RESPA laws violations are : Notification - The expected date of payment communicated to me for settlement of escrow funds to be payed to me and any principal balance differences due to me on this refinance should be communicated to me in a reasonable time ( within 2 weeks of Paid In Full from refinance ) with notification of amount No Later Than XXXX/XXXX/2020. It is XX/XX/2020 and I still have not heard from BMO HB what the payoff date is even though they cashed the check on XXXX/XXXX/2020.
Any balance in any such escrow or suspense account that is within XXXX the servicers control at the time the loan is paid off on XX/XX/2020 shall be promptly returned to the borrower within XXXX business days which is on or before XXXX/XXXX/2020. ( Today ) The above is required by the Real Estate Settlement and Procedures Act ( section 2605 ( e ) ).
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| 12/12/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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I signed up for a new account with BMO Harris Bank XXXX XXXX XXXX XXXX It took almost 3 hours to verity me over the phone. I had to send many documents and answer many questions over the phone. The next day my representative asked me for my account numbers for me to transfer my funds to them. Then they sent me many documents to sign over a portal. However, when I tried to sign up on the online portal I have run into many problems. First, their online portal refused to send me a code after Friday. Then on XX/XX/ a representative gave me a temp password to sign up online. The system did not allow me to finish the process. So, I waited until Monday XX/XX/ to call back. I was on the phone for several hours trying to sign in. It allowed me to sign in only by clicking on forgot password. After being on the phone the repXXXX told me she would call me back today XXXX XXXX XXXX So, I called and spoke with several reps. The first one was very Rude. The second one XXXX was very nice. The online banking has locked me out a would not verify me. However, it would send me texts messages and emails saying that a unauthorized device was trying to sign in my account. Then it was saying all day that it did not even recognize my information. When I tried back a rep in the escalation dept was EXTREMELY MEAN AND RUDE TO ME!!!, l just got off the phone with XXXX who just mostly defended her co-workers attitude towards me. This bank took my money and allowed me to open up account 's and then refused to allow me access to my accounts with my money in them. Then they disconnected the calls and then wrote in my account that I hung up and I was not verified! That is a lie! They did this purposely I feel to get my accounts open to their advantage and then refused to verify ... Although they are saying that I hung up! I have been trying to access my accounts to see if my money is okay. Imagine someone saying they need your money to open your account... Then taking your money and then refusing to let you get to your money. This has been a awful experience dealing with them! I am requesting all phone records be pulled from XX/XX/XXXX, XXXX, XXXX, XXXX. Then she said that I called 20 times today ... Which is another LIE! The accessed my account to make it look like I called 20 plus times. They should have never let me open a account then demand my money if they did not believe I am who I say that I am!
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| 01/17/2020 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Banking errors
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Web |
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I signed up for an offer from BMO Bank to earn a {$400.00} Checking account bonus + a {$200.00} Money Market bonus + and a {$100.00} bonus for doing both. That checking account bonus was paid XX/XX/XXXX. The Money Market and combined bonus has not been paid and it has been 177 days, well past the required time.
I opened a Platinum Money Market account and deposited {$10000.00} within 30 days of opening.
I transferred the money temporarily to my checking account to be able to move it into the money market account. I could not transfer it directly into the account because my other bank requires micro deposits to verify the account. So I had to put it in the checking account for a few days and then I could open the Money market account. It was in there a short time and it seems clear to me what my intent was.
My checking account shows I transferred {$8000.00} on XX/XX/XXXX to the money market, and the remaining {$2000.00} on XX/XX/XXXX.
The {$10000.00} balance has been in the account 177 days as of XX/XX/XXXX.
I have sent them a message through their website on XX/XX/XXXX and again on XX/XX/XXXX. They have not replied to either message. They did reply to earlier messages so I do not know why they are ignoring this.
Below copied from their website ; Offer 1 was paid. Offers 2 and 3 were not paid.
3 offers to get up to a {$700.00} bonus!
Offer 1 - Get a {$400.00} bonus for completing the following activities with a new checking account in the first 120 days : BMO Harris Smart Advantage Checking Account {$25.00} min deposit Have a total of at least {$6000.00} in qualifying direct deposits. ( {$1500.00} a month ) 2 x $ 800 month XXXX XXXX in BMO Digital Banking and set up paperless statements.
Make at least 10 qualifying electronic transactions. ( debits ) BMO Harris Smart Advantage Checking Account no monthly fee with paperless ( estatements ). pay bills, transfer money, view statements, and more with free BMO Digital Banking6 {$5.00} for each Money Order, {$10.00} for each Cashiers check, {$30.00} outgoing domestic wire transfer Offer 2 - Get a {$200.00} bonus when you open a Platinum Money Market account, deposit at least {$10000.00} in new money and keep it for 90 days.
Platinum Money Market account Offer 3 - Get a {$100.00} bonus just for opening a checking account and a Platinum Money Market account! ( this gets deposited into your checking account )
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| 05/22/2019 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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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.
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| 12/07/2016 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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I filed a dispute for an unauthorized charge to my debit card. I also filed a police report for theft relating to the same matter. The BMO Harris XXXX failed to obtain the police report number, XXXX contact information, contact information for the local police office, etc., to investigate, and did not contact the authorities at any time. Instead, I received a letter from BMO Harris stating that my claim was denied, and closed.
In short, I used my debit card at a XXXX gas station located in XXXX, IL. I inserted my card at the pump, and proceeded to pump XXXX gallons of gas into my portable gas can. After a few days, when reviewing my checking account activity online, I noticed I was charged {$58.00} for what was a {$6.00} purchase.
I have been in contact with the corporate office of XXXX, and with BMO Harris, my debit card provider.
I filed a police report with the XXXX Police Department. I also filed a dispute for the charge with BMO Harris, per the recommendation of the representative from XXXX XXXX she told me there was nothing more they could do because there was an open and active police investigation pending ).
As of XX/XX/2016, I received a letter from BMO Harris denying my claim.
Apparently, XXXX somehow generated a receipt showing XXXX gallons of gas purchased at a cost of {$58.00}, and BMO Harris simply accepted that as a basis for denial of my claim without noting the police report of theft, and without taking any information pertaining to it, and without contacting the XXXX Police Department.
When I called to ask about this, the representative I spoke with ( not in the dispute department, simply a call center representative for all banking customers XXXX told me after he put me on hold that he spoke with the XXXX and attempted to pass along the police report number, XXXX name, and contact information for the police department, but was told by the XXXX that she would not look at the information or take it into account. He apologized and told me there was nothing he could do.
If all other factors are ignored in this case, at the very least it should be noted that my vehicle according to the owner 's manual has a fuel tank capacity of XXXX gallons. It is not possible for me to pump XXXX gallons if I wanted to, notwithstanding the fact that I only pumped XXXX gallons into a red plastic portable gas container for my lawnmower that day.
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| 11/01/2016 |
Yes |
- Bank account or service
- Checking account
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- Making/receiving payments, sending money
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Web |
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I have a personal checking account and an auto loan through BMO Harris bank. I have an automatic debit set up for the XXXX of each month for the amount of XXXX to pay my auto loan. On XXXX/XXXX/2016 at XXXX XXXX XXXX was taken out of my personal checking account without my knowledge or consent. ( XXXX was pending ) Upon realizing this, I immediately contacted BMO. On my first phone call, the customer service representative informed me that it was a transfer to my auto loan, when I asked why the amount was significantly higher than it 's supposed to be she said " I do not know, let me look into it '' after being on hold for 35 minutes, the representative returned and informed me that she did not know why, and there was nothing they could do. At this point, I am livid. I then went into the branch and asked to speak with a banker, after an hour with the banker I STILL had no answers as to why so much money was taken out of my account. When I asked to have a stop-payment placed on the transfer, they said there was nothing they could do. So I called AGAIN. This time a gentleman helped me, listened to me and gave me some answers. BMO had taken and extra {$730.00} out of my personal checking, claiming I owed " late fees and other fees '' as a consumer, I was never informed of any late fees, in fact when I called BMO AND visited a branch, I was told that my balance on the loan was XXXX. When I asked to be credited back the XXXX, they told me no, that the transaction needed to post first, that it would be 1-2 business days before they could do anything. ( Now I 'm short XXXX on the first of the month ) keep in mind, no one knows why this is happening, they are also doing nothing to stop or correct it. When I asked for a credit for the amount, I was again told no. So this morning on XXXX/XXXX/2016 the payment posted to my account, after arguing my point to the representative she said she would " see what she could do '' about getting me my money back. Since they have returned only XXXX of the XXXX extra they took for no documented reason. There was NOTHING saying that I owed any late fees, and they did not have my permission to take the money, I should not be fighting to get it back. To me, they stole my money and would not tell me why or make it right. Absolutely no financial institution should operate in this manner and treat their customers as I was treated.
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| 09/22/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Application, originator, mortgage broker
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Web |
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We have a balloon mortgage with BMO. The mortgage was due in full XX/XX/XXXX. We have made a good faith effort to refinance our property and pay off the loan. We have been denied this opportunity by BMO as we applied for a mortgage to refinance the balloon mortgage with BMO and not only never completed the transaction, we were never notified either of the status of the loan, the appraised value, and whether or not we were approved for the mortgage. When we had no success with BMO, we applied for a mortgage and were approved, but then BMO foreclosed on us and we could not refinance.
Here is a timeline in our attempt to refinance with BMO : XX/XX/XXXX- Met with XXXX with BMO Harris . XXXX told us what was needed to refinance.
XX/XX/XXXX- Met with BMO XXXX employee, they referred us to have a realtor come out to the house to appraise it. Not sure why they had a real estate agent come to our property rather than running an automated appraisal.
XX/XX/XXXX-XXXX came out to our property.
XX/XX/XXXX- Sent the refinance financials and application papers to BMO XX/XX/XXXX- Received a letter of Approval, still needing information Approx. XX/XX/XXXX-XX/XX/XXXX-house of appraised twice. The appraisal was never sent to us. Not sure why it took months to get an appraisal done.
XX/XX/XXXX-Received letter from a XXXX at BMO needing some additional information to get to the loan approved, we sent this on XX/XX/XXXX.
XX/XX/XXXX-We attempted to make a payment on our current loan but BMO denied our mortgage payment and would not accept the funds when we went to the bank to pay. When I went to the bank, they told us to call another person named XXXX XXXX. We faxed the paperwork to XXXX at BMO. XXXX said not to worry about paying the mortgage right now, it will all be settled in the new loan and that it will be included in our new payment. Since that time, we have heard nothing about our loan with BMO and never received a rejection or a clear to close on the loan.
XX/XX/XXXX-Since we could not refinance, we XXXX XXXX XXXX XXXX since BMO did not make a decision. XXXX was in the process of funding a loan on my parents ' ( XXXX and XXXX XXXX ) house to pay off the BMO balloon mortgage when BMO served us with foreclosure papers. This makes it impossible to refinance.
BMO has clearly violated a host of lending requirements and has impeded our good faith effort to
|
| 08/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
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Web |
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[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, IN, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] BMO Harris Bank XXXX XXXX XXXX XXXX, XXXX, IL XXXX Subject : Reimbursement Request for {$6100.00} Due to Account Fraud and Closure Dear Sir/Madam, I hope this letter finds you well. I am writing to address a serious matter concerning my BMO Harris Bank account, which has been under fraudulent activity and subsequent closure for the past XXXX years. I kindly request your immediate attention to this issue and seek your assistance in facilitating the reimbursement of {$6100.00}, which was unjustly taken from my account due to unauthorized transactions.
I was alerted to this unfortunate situation in XX/XX/XXXX, when I discovered unauthorized transactions on my account statements. These transactions were carried out without my knowledge or consent, indicating clear cases of fraudulent activity. I promptly reported these incidents to your bank and followed the necessary procedures to safeguard my account.
Despite my best efforts and the cooperation with your bank 's representatives, the fraudulent activity persisted, leading to the eventual closure of my account in XX/XX/XXXX This ordeal has caused significant financial distress and emotional hardship for me and my family over the past XXXX years.
I implore you to thoroughly investigate this matter and take appropriate actions to rectify the situation. It is my sincere belief that BMO Harris Bank should take responsibility for ensuring the security and integrity of its customers ' accounts. I kindly request the reimbursement of the stolen funds amounting to {$6100.00} to be deposited into my new account as soon as possible.
I have attached relevant documents such as account statements, correspondence with your bank 's representatives, and any other pertinent information to support my claim. Please review this evidence and treat this matter with the urgency and seriousness it deserves.
I remain committed to resolving this issue amicably and look forward to your prompt response. You may reach me at XXXX to discuss any further details or to provide updates on the progress of my reimbursement request.
Thank you for your attention to this matter. I trust that BMO Harris Bank will uphold its commitment to its customers and ensure a swift resolution to this unfortunate situation.
Sincerely, XXXX XXXX XXXX
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| 04/25/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
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|
Web |
Older American |
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Bank of the West ( the Bank ).
A trade name used by BMO Harris Bank N.A.
I do not believe BOTW is operating in a responsible or good faith manner.
After purchasing an RV Camper on XX/XX/XXXXXXXX from XXXX, I signed a RETAIL INSTALLMENT CONTRACT ( the " Contract '' ) on XX/XX/XXXX from XXXX XXXX to finance the purchase of a XXXX XXXX BackPack XXXX for the amount of {$29000.00} with BOTW.
Payments were made on XXXX XX/XX/XXXX for {$270.00} XXXX XXXX XXXX for {$300.00} XXXX XXXX for {$300.00} XXXX tried making automatic payments on the BOTW app online Several times, during the months of XXXX, XXXX and XXXX.
But I had to resort to single payments as the system kept saying it was under maintenance or wasnt able to complete the transaction.
I kept trying to set up auto payments. I thought it had been taken care of by this time, but it looks like it only pulled XXXX dollars.
XXXX XX/XX/XXXX for {$0.00} When I spoke to a representative of the bank, in XXXX, she said she saw that I had set up the payment but that it takes a couple of months before it takes effect. She said the funds would start being pulled on the XXXX of XX/XX/XXXX.
They didnt get pulled until XXXX XXXX
No other bank, that I know of, takes 3 months to set up automatic payments.
The BOTW did not take an auto payment for XXXX or XXXX.
I had to do it manually. When it didnt take the XXXX XXXX auto payment, I paid the {$1000.00} in XXXX. I paid that twice, again because the BOTW online app was not completing the transaction properly.
Payments were also made on, XXXX XX/XX/XXXX for {$300.00} XXXX XX/XX/XXXX for {$1000.00} XXXX XX/XX/XXXX for {$1000.00} XXXX payment of {$1000.00} The first auto payment I have seen, taken out, has been the XXXX. XX/XX/XXXX for XXXX BOTW has been the worst banking experience I have had in over 60 years.
It seems to me that it is very convenient for the bank not to address the bank app situation as in the end, it generates extra income in the way of fines and interest. Also, because of the late payment report to Credit Agencies, they make it difficult to seek credit at another bank as my rating is tarnished.
The resolution for me would be to withdraw the Late payment from the Credit reporting agencies and put me back in good standing, make sure the auto payments keep working, and put whatever over payments there are, towards the principal.
|
| 04/08/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/XXXX my bank account was over drawn. Due to my XXXX XXXX XXXX, I made a purchase to pick up groceries at XXXX XXXX XXXX. After having someone pick up my items, my receipt showed that I was charged XXXX for one pack of thin chicken breasts, when the initial price was {$7.00}. It appears that the weight of the chicken was scanned incorrectly causing the total of my 15 items to equal XXXX. After this occurred, I opened a fraud claim with my bank on XX/XX/XXXX, reached out to XXXX to launch an investigation for shoppers fraud, and filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX, The Division Corporate Affairs Manager for XXXX reached out to me directly via email on XX/XX/XXXX. In the email, it was admitted that an error occurred, I was wrongly charged for the chicken, and a refund in the amount XXXX of would be processed to my account. On XX/XX/XXXX, XXXX reached out to me an informed me that the refund was successfully processed on their end. A provisional credit was applied to my account on XX/XX/XXXX. On XX/XX/XXXX, I was able to go inside the branch to make a withdrawal from my account and speak with a banker. I spoke with a banker name XXXX XXXX at the XXXX XXXX location. When speaking with this banker, I informed him that I wanted to ensure the fraud investigation that i launched was ended because I received a refund from XXXX XXXX XXXX. I was told by this banker, the back office would see I received a refund and the investigation would be stopped. On XX/XX/XXXX I received a letter from BMO saying my fraud claim was denied because the merchant provided proof of a valid transaction and the provisional credit that was applied was revered, causing my account to become negative in the amount of {$1000.00}. On XX/XX/XXXX, I went to the branch and spoke with the same banker. I wanted him to clarify why my account was negative and why the provisional credit wasnt reversed when I notified the bank of receiving the refund. I informed the banker that I no longer wanted to continue my business with BMO as I can no longer trust them with my funds or protection of my account. I completed all the necessary steps I needed to take to ensure that all parties were in accordance and that my funds were recovered properly. There was a miscommunication between the bank, myself, XXXX. I believe that BMO is at fault for this error.
|
| 10/31/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
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Dear CFPB Representative, I hope this message finds you well. I am writing to seek urgent assistance and intervention in a financial matter that has caused significant distress and extreme XXXX.
On XX/XX/2023, I opened XXXX accounts, the XXXX XXXX Account and the XXXX XXXX XXXX XXXX, with BMO through their website. I followed the instructions and proceeded to transfer the initial deposits into the accounts. Using my XXXX account detailsspecifically the routing number and account numberI made XXXX distinct transactions : a {$25.00} deposit into the Smart Advantage account and a {$25000.00} deposit into the XXXX XXXX XXXX XXXX account through the XXXX website.
However, on XX/XX/2023, I received notifications from XXXX stating they encountered difficulties funding my newly opened accounts and decided to refund. However, I only received the {$25.00} deposit reflected in my XXXX account. The {$25000.00} intended for the XXXX XXXX XXXX XXXX account did not appear.
Despite numerous attempts to resolve this issue by contacting XXXX, I have not received a satisfactory resolution. XXXX asserts that the {$25000.00} was returned to my XXXX account on the same day as the {$25.00}, but this substantial sum has not been credited to my XXXX account. I subsequently engaged with XXXX, providing them with all pertinent details and initiating a dispute investigation. Regrettably, after their investigation, XXXX conveyed their inability to locate the disputed funds and redirected me to seek a resolution from XXXX. My latest conversation with BMO, specifically with their XXXX department, failed to yield any tangible resolution or guidance. Their suggestion to visit a physical branch is not feasible, as there is no XXXX branch in my residing state.
This financial situation has made my life a mess as I need to use the {$25000.00} to pay my rent and groceries. Therefore, I seek the CFPB 's assistance in facilitating a resolution to retrieve the missing {$25000.00} and in holding both BMO and XXXX accountable for their roles in this issue.
I would appreciate your immediate intervention and guidance on steps to reclaim the missing funds and to ensure accountability from both financial institutions involved.
I am willing to provide any additional information or documentation necessary to expedite the resolution of this matter.
Thank you so much!
XXXX
|
| 08/01/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
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Web |
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On XX/XX/2023 I applied with BMO Alto to open a new jointly owned CD account with me as primary owner and my husband as co-owner. Their online application form required my personal information only, and stated that the co-owner will be invited to apply once the account is opened and funded. We funded the $ XXXX account via ACH, and the account officially opened on XX/XX/2023.
On XX/XX/2023 my husband was invited via an email from BMO Alto apply for his co-ownership, which he did. Later that day he received another email stating that his ownership was denied, and that he would receive a follow-up email with more information. He is still waiting for that email. He called BMO Alto, and was informed that a co-owner can not be added to an account once it is opened and funded, which is in direct opposition to the online application process and also the opposite of what was stated in the first email he received. The customer service rep ( XXXX ) filed a complaint on my husbands behalf and was told a supervisor would call back in XXXX hours. He is still waiting for that call.
On XX/XX/2023, I received an email from BMO Alto stating Thank you for choosing BMO Alto. We regret to inform you that we're unable to honor your request to add ( my husband ) to your account ( s ). This is to let you know that your account ( s ) will remain in your name only. Thank you for choosing BMO Alto. This is not what I wanted at all. BMO Alro took it upon themselves to change the application from a co-owned account to an account in my name only without my input or permission. I would have never allowed this had I applied for the account in person. I called the bank asking that the account be closed immediately and that our entire $ XXXX be returned without penalty, considering that the bank mishandled the account ownership. The rep I spoke with filed a complaint on my behalf and told me I would receive a follow-up call in XXXX hours. I am still waiting for that call.
After a week went by without hearing anything from BMO Alto, I called the bank again. I reiterated my request. I was told that the account would be closed without penalty on XX/XX/2023, and that our money would be returned in its entirety within XXXX hours after the account closed. It is now XX/XX/2023. The account is still open. Our funds have not been returned. The bank has not contacted us.
|
| 07/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
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On XX/XX/XXXX, I went to Bank of The West to deposit my {$500.00} 2021 NM rebate check into the ATM. I put my debit card in and started the deposit, after choosing my savings account to deposit the funds in, the ATM said the account was not linked to make deposits. The ATM then spit the check back out and gave me my debit card back. I then started the process over, this time choosing my checking account to deposit the funds in. At this point, the ATM tried reading the check and after about 5 minutes of processing, the machine shut down. I watched as it loaded back up slowly. Since it was a few minutes until closing time, I then went into the bank to ask for help since both my debit card and check were in the ATM. I went in and the first teller said theres nothing that can be done and my debit card and check would be shredded. The Senior Relationship Banker then went out to the ATM with me to see what was going on. He went back into the bank to call the ATM third party to see what to do. They said they could remotely reset the ATM and my check and debit card should come back out. After loading back up, the ATM did not return my card or the check. The Senior Relationship Banker, then gave me a buisness card with his number, since he was leaving for the day, and told me I should see the {$500.00} credit in my account the next day ( XX/XX/XXXX ), but if I didn't see the credit to give him a call. He said if it was an ATM error or any error on the banks part, I would be compensated right away. The next day, after not seeing the credit, I called him. He said the ATM technician should be out there that day and they could open the ATM and get the check. When the tech got there, they opened the machine but were not able to find my check. I was then instructed to go into the branch location to order a new card and see what they could do about the check. I went in, got a new card ordered and was told they would open an investigation about what happened with the check. Since that day, I have called multiple times, gone into the branch multiple times and called the XXXX customer service multiple times. I have recieved 1 call back, after being promised I'd recieve calls back, and have been given no time length or information on the investigation, what the investigation entails or what will be done in the event that the check is not found.
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| 10/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I am writing to file a formal complaint against BMO Harris Bank regarding a recent incident in which they conducted an unauthorized hard inquiry on my credit report. Despite my repeated attempts to resolve this issue with BMO Harris Bank directly, the matter remains unresolved, and I seek your assistance in addressing this violation of my consumer rights.
The unauthorized hard inquiry in question was made by BMO Harris Bank for an auto loan, a credit application that I have never initiated. This inquiry appeared on my credit report without my knowledge or consent, causing undue harm to my credit profile and raising concerns about potential fraudulent activities.
The details necessary for this dispute are as follows : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I first became aware of this unauthorized hard inquiry when I reviewed my credit report, and upon contacting BMO Harris Bank to inquire about it, I was met with an unsatisfactory response. Their claim that it was related to an auto loan application I never made is not only false but also deeply concerning. I have not applied for any auto loans within the past year or authorized BMO Harris Bank to access my credit report for any such purpose.
I am deeply troubled by this violation of my consumer rights, as well as the potential consequences it may have on my credit score and financial well-being. I kindly request that the CFPB investigate this matter promptly and take necessary actions to ensure that BMO Harris Bank rectifies this situation by removing the unauthorized hard inquiry from my credit report.
Furthermore, I am seeking a comprehensive response from BMO Harris Bank outlining the results of the investigation and the actions taken to rectify the situation. Additionally, I request that the CFPB take appropriate measures to hold BMO Harris Bank accountable for their actions.
I appreciate your immediate attention to this matter and your assistance in resolving this issue. Please inform me of any actions or responses received from BMO Harris Bank. I can be reached at the phone number provided above to discuss any additional details related to this complaint.
Thank you for your efforts in protecting consumers ' rights and ensuring fair credit reporting practices.
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| 11/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I have a car loan with BMO Bank and on XX/XX/XXXX they pulled an extra {$340.00} car payment out of my bank account and when I called to ask why and get it cancelled they said I had set up recurring payments. I do not remember setting up recurring payments nor did it pop up a confirmation page if I did. On my BMO account page it had said my recurring payments were off, while multiple representatives claimed it was on. I was able to get a refund for the {$340.00} but my bank account had charged {$30.00} for an overdraft fee and I requested that BMO pay it and I was told they could not because it was an external bank. I had cancelled all of my pending recurring payments and turned off recurring payments. On XX/XX/XXXX, I had a pending transaction with my bank account for {$340.00} again and I called BMO again and they said I do not have recurring payments turned on but when I asked why it came out then I was transferred to a supervisor who told me that I did have my recurring payments turned on but when I had cancelled it before, it didnt cancel this one for some reason. I was told that they cancelled this pending transaction but it still pulled it from my bank account and shows in process back from XX/XX/XXXX. When I logged into BMO bank to cancel this transaction like we had done last time, my account was locked. I could not cancel this transaction or do anything with my account. This was without warning. I called and they said it would clear when my latest payment posted but they couldnt cancel it. I called again and got a different representative and was told that they COULD take care of it and when I logged in, I was able to check my account as normal. I was told I would have my money back by today XX/XX/XXXX in my bank account. As of XXXX I still do not have it back in my account. I called them around XXXX on XX/XX/XXXX and I was told that it was still pending so they are not able to refund it and I said its pulled from my bank account so how is it still pending. I was told it just is. I asked to be transferred to a supervisor as I was told I would be getting my money back today and the representative hung up on me. I have rent that is due at the end of day tomorrow that I will not have because they have not pulled my rent money from my account against my will and will not even correct the issue or apologize.
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| 05/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
Servicemember |
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This is the law so i need them to reverse every late payment bank of the west ever put on my report and i want a check for every late fee they charge because i know the law ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this subchapter.
( 2 ) Content of notice The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph.
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| 10/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I disputed incorrect information on my XXXX report, requested a full investigation and a deletion of the incorrect accounts but did not receive any. Although I provided all the necessary information required by law on my part.
XXXX has REFUSED to reinvestigate my disputes even though in their letters it clearly states that I have the right to dispute the incorrect information on my report. Under Section 611 of the FCRA, consumers have the right when it comes to disputing items on their XXXX reports. Section 611 is often referred to as the " Reinvestigation of Disputed Information '' section. XXXX has refused to follow this law and reinvestigate the submitted dispute. I did contact XXXX by phone to understand these issues but the representative hang up the phone on me mid conversation. They also sent me a letter on XX/XX/2023 and 3 days later claimed that the letter was sent out by error in another letter.
In accordance with the Fair Credit Reporting Act The accounts # XXXX/ACCT # : XXXX / XXXX and XXXX/ACCT # : XXXX / XXXX have violated my rights.
15 U.S. Code 1681c2 - Block of information resulting from identity theft. ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A. section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. If XXXX can provide any exceptions to this section of the law then they shall provide me with a clear reasoning.
I request color copies of my Identification including my Social Security Card used to open these account.
If XXXX can not satisfy any of these requests or follow any of these consumer laws, then these incorrect items must be deleted and blocked from my file.
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| 05/14/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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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.
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| 06/02/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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Unfortunately I do not have a scanner to send a copy of my existing paperwork, but I will try to describe my paperwork the best that I can.
On XXXX XXXX, XXXX, I received a letter from XXXX Harris Bank ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) with the following information : " As you know, M & I and Harris joined to create BMO Harris Bank N.A . last year, but have operated on separate networks and systems as we work to complete the integration. At the close of of business on Friday, XXXX XXXX, XXXX, that process will culminate in the transition of your deposit account ( s ) and services to the shared BMO Harris system. '' On the back of this paperwork there is listed a BMO Harris Account Summary : IRA Growth Money Market ; ( last XXXX digits of account no. ) XXXX ; ( new name of account ) IRA Premium Savers.
On XXXX XXXX, XXXX, I called BMO Harris Bank ( at telephone niumber XXXX ) to inquire about the account and was informed by XXXX ( customer service ) that the account has been closed. I asked, " When was it closed and who closed it. '' She said it was closed in XXXX and she was not sure who closed it. She put me on hold to find out more information for me. She came back to the phone and said that someone was researching it and she would call me back with an answer, probably before closing that day.
XXXX called me back the next day, XXXX XXXX, XXXX, and left a voicemail that she was typing the information into my records on their computer and I could call back and speak with anyone who can pull up the information. I called back and talked with a lady who said that my account was closed before the M & I and Harris merger, and transferred to XXXX and that is all she knew. I asked, " what is XXXX? '' She said she did not know. I asked to speak with a manager, and she said they would tell me the same thing. I asked, again to speak with a manager and she put me on hold. I held for 20 minutes and hung up and called customer service again. I was told by another lady that the account was transferred to XXXX. I asked what is XXXX. At first she said that she did not know, then she put me on hold and came back and said that it was a bank.. I asked if they had a telephone number and address, and she said she did not know it. She said that I could look it up on the computer and that was all she knew.
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| 11/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
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Web |
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Approximately two month 's ago I was informed by BMO Harris Bank of ( XXXX XXXX, WI XXXX ), by a teller that I had extra account ( s ) in my name ( showed up under my personal account information ). Estimated date was XX/XX/XXXX. I dismissed that info provided by the teller ( thinking it was an error on the teller 's part ). one week later, I went to BMO ( same location ) and performed a transaction inside the bank. Upon making a withdrawal from my individual checking acct the teller had asked me which acct I wanted the funds to be pulled out of? My individual acct or my premium money market acct. I declared my individual acct. After the completion of that transaction I requested to speak with an acct representative. The rep ( XXXX XXXX ) is whom I spoke with. I had inquired with Ms. XXXX about obtaining some deposit history to my individual checking acct. When Ms. XXXX opened my acct information, an additional acct showed up ( MM Acct ). Ms. XXXX inquired, which acct? I said the individual checking. She said the info that I requested would take a few days to acquire the documents. Then, I requested information on the ( MM Acct ), that is or has my name and personal info attached to the acct ( as it appears each time I utilize the bank for a transaction ). Ms. XXXX played down my inquiry. Refused to disclose the acct holder 's name, refused to release any info to that MM acct that has/had my name on it. I became angry, angry in fear of someone having my acct information, utilizing my name on an acct that I did not open, that I did not provide a signature to the acct. I'm in fear of being held responsible for fraudulent activities. Ms. XXXX, only stated that I maybe receiving a small inheritance., a beneficiary possibly. THIS WAS NOT AN ACCEPTABLE RESPONSE! ... Now, on XX/XX/XXXX I spoke with acct rep Mr. XXXX XXXX, I had made an inquiry about the mm acct. The rep stated there was no other account showing up other than my own two ( individual checking & savings ). This tells me an acct representative move that mm acct off of ID, but it does not assure me that my name is removed from the mm acct and a CD acct. I expect absolute assurance that my name has been removed from these acct 's, ( not just moved off my ID and placed on a different board whereas it no longer shows up with my board/ID.
|
| 11/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
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Web |
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BMO bank took over XXXX recently. The account they put me in had a service fee. They did not disclose this fee or how to avoid it. I called once I saw the fee and after waiting an hour an agent was finally able to adv that he can change the statements to online and it will waive the fee. He said I wont get a fee in the future. Then I see the same fee next month. I called and she advised that I need to change my statements myself and they wont waive the new fee until that happens. I was very clear that I was lied too and it didnt matter. I asked to speak to a supervisor and she said there wasnt one.I continued to push and she put me on hold for over an hour and I had to disconnect. Mind u all of the people I have spoken from BMO are from another country and continuously give me wrong info. I submitted a survey w this information and still never got a call back. Recently I got a text that there was an attempted charge for XXXX from XXXX. I responded that no this is not authorized and I called customer service immediately. She lied to me and said that the charge was declined. She ordered me a new debit card. I was very upset because I never activated the card they tried to charge. I never used it online or at an ATM. I just saw today that the XXXX charge posted to my checking account. I called and confirmed that there was no claim that was filed when I was clear that this was an unauthorized transaction previously. This is a violation of reg e and had a financial impact due to them lieing. This is a violation of Udaap. I was very concerned that the fraudsters had my checking account because how were they allowed to use a debit card that was not activated? The bank was not able to answer this and said they filed a complaint for me. This is unacceptable and this company continues to lie to me about whats going on on my account. This is my money and how I pay my mortgage. The agents continues to tell me the fraudsters used a debit card. How was a debit card that was never activated used online or at an atm allowed to go through? This is very concerning. How are banks able to protect us if they r letting charges go through a checking account from an invalid card? This is terrifying and they should have to answer to how this happened, why I was lied to and why a claim was not filed timely.
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| 09/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
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Web |
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I recently opened a new account with this bank. Within 90 days of this deposit. I needed some extra funds and my boyfriend gave me a cashiers check to deposit from his credit union. Within an hour or 2 the fraud dept. left message to call I did not see this till next day because I have roboblock. When I when to the bank she told me it would be available next day. When that didnt happen I went to the bank asked why and she said my account has been frozen and I needed to call the fraud dept. She asked me if I knew my boyfriend?? I said of course weve been together for almost XXXX. She asked me again am I sure? I didnt understand and would not answer me. I called the fraud dept.
and if course it was a holiday weekend so I had to wait till Tuesday. When I finally got ahold of someone in fraud dept again several times asked me if I knew my boyfriend?? Then she slipped up and said they thought he wrote the check to himself. Which was their mistake because they didnt read the check correctly. Who was remitter And who it was paid to. My boyfriend is former XXXX and has XXXX XXXX. The person on the phone was not very nice when I told I needed to speak to my lawyer she added I should speak to XXXX as well. I wasnt getting my money anytime soon. That Friday I went to a branch because another phone conversation I had told me I needed a written and signed affidavit brought in with both of us. Friday our XXXX stop was his credit union just to get cash and low and behold my bank has already cashed my cashiers check. Words can not express my feelings about how Ive been treated this whole process because I can not access my account to pay my bills which to this day are still delinquent. XXXX stop was to branch when banker tried to help me and her hands were tied of everything and she had to email copies of her verification of everything being correct and not fraud to fraud dept and it would be two more weeks to verify. I have called twice yesterday with no return phone call because every department Ive spoke to said they can not release my account. And they are still verifying. All I can do is cry and Im scheduled for XXXX to have XXXX removed for second time and all I wanted to do is pay my bills in case I wasnt able to after XXXX. Today is another 2 weeks with no answers. What should I do???
|
| 07/31/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
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Web |
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I am writing to inquire assistance, if possible, on recovering some funds that were charged to us by BMO HARRIS, XXXX WI. I am writing per the Consumer Financial Protection Act that was created in part to protect consumers from Unfair, Deceptive or Abusive Practices.
Several years ago I opened for my young son a savings account for which I was the custodian. My son turned XXXX on XXXX XXXX 2015. BMO Harris did provide quarterly electronic bank statements. I admit that I did not look at them too closely, as for the past few years, there was not much activity on the account. As I went to close the account last week, to my surprise, the bank gave me the balance minus {$40.00}. They explained that the {$40.00} charge was related to 8 monthly maintenance fees worth {$5.00} each, that started when my son turned XXXX in XX/XX/XXXX ( XX/XX/XXXX - XX/XX/XXXX ). I explained that I never received any letter or warning about the change and they responded that it was their usual practice.
I am aware that their website provide explanations of the rule. Indeed, much information is laid out on their site for customers to search and read. However, I know that it is customary for financial institutions to send notifications when a change occurs on an account. I had a bank account with XXXX XXXX who sent me a notice about starting charging fees due to inactivity on the account. I went to XXXX XXXX and closed the account. The same situation occurred with my wife and XXXX XXXX.
I am inquiring for assistance as I do n't believe that their practice is fair and conducive to a clear and transparent business relationship between the bank and the customer. This is an omission on their part that gave me no choice and that is totally one sided. This is an omission that benefits them only and leaves me with no option than bearing the cost. If I had not decided to close the account, they would have emptied the account of the funds and then they would have sent me a notification for non-payment of additional maintenance fees. There is something wrong with this practice. Therefore, on one end, they send no notice or warning before any change on the account and before charging any fees ; and on the other end, they would readily send me a notice demanding that I pay fees after having emptied the account.
|
| 11/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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The loan was obtained under my maiden name XXXX XXXX XX/XX/23 - We had a used vehicle loan with BMO Harris Bank that had a payoff amount of {$3200.00} which we paid online that day. We received an error message upon submitting the payment, so we called customer service. The individual on customer service confirmed the online payment did not go through and manually processed a payment of {$3200.00} ( different amount due to accumulated interest from 1 day ). After a few business days, both payment described above were deducted from our account ( please see attached bank statement ).
XX/XX/23 - We called BMO customer service. They confirmed that there was a double payment and that they will send us a check for the refund for {$3200.00}. We were told to call back in 4 weeks if we had not received the check. We confirmed our address.
XX/XX/23 - We called BMO customer service three times. The first time, the customer service rep was adamant there was no overpayment. After asking him to escalate to manager, he hung up on us. Second time, the customer service rep said they do not handle overpayments and were instructed to call the dealership where I purchased the car. The third time, the customer rep told me to call the DMV where the car was registered.
XX/XX/23 - After confirming that both the DMV and car dealership were the incorrect avenue to obtain the overpayment, we called BMO back and were transferred to the resolution department. A resolution specialist, XXXX XXXX, confirmed once again that there was a double payment. She submitted a case for us ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). She also asked us to fax our bank statement showing the double payment ( Fax XXXX XXXXXXXX XXXX XXXX ). She told us to follow up in 4 weeks if we hadn't received a check in the mail. She confirmed our address again.
XX/XX/23 - We still had not received a check in the mail so we called BMO again. We were transferred to the loan department and spoke to XXXX. She confirmed with the account team that a check was sent XX/XX/23 but to wait one more week to call back as they want to allow for 30 days before putting a " stop payment '' and resend a new check.
XX/XX/23 - We called BMO and were transferred to the loan department where the individual was adamant that there was no double payment.
|
| 09/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
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When my mom passed away in XXXX, I began the process of trying to address all her accounts and bills. I took her death certificate, her will showing me as her sole beneficiary and my previous POA into the branch on XXXX XXXX. The Manager at that branch said they wouldnt even review any of that paperwork. They wouldnt even send it to the legal department to review, as I could have forged it. I had all her statements and a safety deposit key. She had taken the key from me and was practically refusing to hand it back to me. Flabbergasted, I asked what Im supposed to do and she shrugged and said, Get a lawyer.
So, at more cost than whats even sitting in those accounts, lawyer hired and Estate filed. This time, went to the XXXX XXXX. Was really hoping for better customer service and compassion. Spoke with XXXX at that location. Gave him a certified Death Certificate and Certified copy of the Estate Paperwork.
He called me back a week later and said the legal department would not consider that paperwork as the Testamentary had an expiration date.
My lawyer said hes never heard of anything like that. But, he wrote a letter requesting they assist me and allow us to close the accounts and safety deposit box.
XXXX called me back and said the legal department has okayed closing the account. I said I would return Saturday to take care of it. He said he wouldnt be there but would tell the Manager to expect me and theyd have everything ready. But then said they dont think the safety deposit box exists. No record of it. Weird, since I have a key in a marked envelope Went into the branch, as we discussed. XXXX, the Manager, said they have no record of any of this and cant help me. Come back another time. I asked if they can just call their legal department to confirm approval to cancel the account. They said, They dont allow us to call them.
I have jumped through every hoop, at personal cost, to close her accounts. Theyre denying the safety deposit box exists and playing games. They are refusing to comply with legal paperwork. I have spent a lot of time and $ to get what they owe ; I shutter to think what they do to families who are grieving and dont have the same resources I do. It feels like a game where they hope Ill just give up and they can keep funds that dont belong to them.
|
| 05/07/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
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I had a bunch of overdraft and NSF fees totaling {$1400.00}. I spoke to the bank several times about this and was simply told, It was my fault and nothing they can do about it. Starting XXXX to XXXX I was charged these fees and they allowed XXXX XXXX to keep pulling these debit card transactions and charging me {$140.00} NSF fees each time. It totaled over {$1200.00} and these transactions were {$10.00}, {$20.00}, transactions. I contacted them XXXX when I first noticed and was told there was nothing they can do. I explained that I received a letter directly from BMO Harris that no overdraft fees would be charged to customers due to the pandemic and they simply denied any letter existed. I have messaged them several times on my online banking with no response or a response they will not refund these fees back. I also had my spouses stimulus payment come in during this time and they held it 5-6 days while allowing these {$140.00}, {$100.00} transactions to keep negativing out my account still. Took them about a week to deposit that into my account. The week on XX/XX/2021 I also seen they had deposited my {$200.00} promo credit which I got for opening this account, then a week later they pulled it back out with no notice given and it cause my check to bounce and they charged me another {$36.00} overdraft fee XXXX for that and it was a bank error. I messaged them and called several times between XXXX about that prior to my check going through and they said that promo was taken out due to bank error and I wouldnt be charged any overdraft fees, but I was and the check didnt clear so I now has to go to the vendor and pay that check and their {$35.00} fee on top of this. I feel like Ive been completely taken advantage of as a customer and I have not opted in for overdraft coverage and they have never paid any of these transactions just charged {$36.00} and {$140.00} fees for a {$10.00} debit card transactions. I have called and sent several messages and they will not refund any of these fees and wont even help. They took over {$1200.00} from stimulus money which I could of used for our family of XXXX. I am XXXX and can not work and my spouse is on unemployment and we have XXXX children. We can not afford to give BMO Harris Bank {$1500.00} in bank fees nor should it be allowed.
|
| 02/05/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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My Father had a XXXX in XXXX of XXXX and had limited mobility after that. He had been using a bookkeeper for most of his items and they were discontinuing servicing in XXXX. We had spoken to Bank of the West in XXXX as to what was necessary to get me added to my father 's Personal and Business accounts and they said a large amount of paperwork need filled out. I live approximately XXXX miles away, but would visit frequently and needed to do some banking chores. My father filled out paperwork and had them send the paperwork to the Bank of the West on XXXX and XXXX for my signatures ( I am unsure of the dates and the bank has no documentation of any of this according to the branch in XXXX, I was not provided a copy after signing in the branch ). I signed all paperwork at the teller window at the branch in XXXX for them to get the process finished. Upon recent visits to Colorado in XXXX and XXXX, I was told there was no record of the documentation that was worked on at XXXX branches and they would need paperwork filled out again. My father was on his death bed literally and passed away while I was there on XX/XX/XXXX, so filling out paperwork again was not an option. I inquired to have them look again for this paperwork and was told it still could not be found and even if it was there was nothing they could due after his death. This was all supposed to be handled while living many months earlier, sensitive documents with account information and signatures just disappeared. They immediately closed his accounts when I let them know of his passing even though I was durable power of attorney and told them I had written checks ( they immediately took away online access too, but told me I could still make deposits ). They were horrible to deal with and I had to use my own funds at my own bank to try to keep his business and home running due to complete negligence by Bank of the West. Heck, probably got fees for returned items too there, but can't tell because they took away all access even though I should have been on the accounts long before to make this process less stressful and easier to handle. Thanks to Bank of the West, I have numerous disconnect notices and late fees/charges from utilities and the like causing great anxiety over their improper handling of documents...
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| 04/28/2020 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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I opened a " Platinum '' Money Market account with BMO Harris Bank on XX/XX/2020. I was told I needed to immediately deposit {$5000.00} in order to qualify for the " Platinum '' account. I made a {$5000.00} deposit immediately and received confirmation on that same day that my opening deposit was complete. I then received an email from BMO Harris with the subject line, " Come back and Transfer Funds ''. So I made a second transfer for {$5000.00}. When I went the following day to check my BMO Harris account, I received an error that my log-in information was incorrect. I called BMO Harris ( XXXX ) and was put on hold for nearly 50mins. Someone then answered, verified my identity, and told me they needed to transfer the call. They then disconnected.
I called back the following day, was again placed on hold- this time for 35mins. Was asked a series of questions to verify my identity and then was placed on hold again while I was transferred to " the tech department ''. Someone answered, asked a series of questions to verify my identity, and then informed me that a hold was placed on my account, and they weren't sure why but I should keep trying to log in and eventually my log-in would work.
The following week, after no success accessing my account or the money I'd deposited, I called XXXX XXXX back. This time after being on hold for an extended period I spoke to a personal banker. I explained that I wanted to just cancel the account and have my money returned to me. She told me that she couldn't do that, but would transfer me to the " fraud department ''. After being placed on hold, the personal banker returned and informed me that the " fraud agent '' assigned to my case wasn't available. I explained that I had called several times and had spent hours on the phone with the bank in an effort to rectify this issue. She said there was nothing she could do, and that I should call back.
I called back again today ( XX/XX/2020 ). Same thing- identify verified, but they refused to put me in contact with someone who could solve the issue AND they refused to return my money to me. I have no way to access my funds, no way to view my account, and they are refusing to allow me to close the account. It has been several weeks and a complete nightmare. Please help me. Thank you.
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| 04/14/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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My dealership never went over what finance company had my loan. I knew what month payments were to begin and I figured I would for sure get some notification ( email, mail, customer service call etc ) and I never received anything. I had no idea at this point how I could ever find anything out since nobody has contacted me in any way! A collection agency called me and I made the prior and current month payment, they never informed me who my loan servicer was. So, process repeated itself, this time I did n't get a call so I decided I would call random banks and see if they had an active auto loan with them. When I called BMO Harris, they said yes. I explained my situation and frustration with the company and how that 's not a great start for a new customer to the business. I asked if this was going to impact my credit and the representative said yes because it was past 30 days. I then re-explained the situation and frustration and she said that if I could provide proof that I had the money in my accounts ( which I had ) at the time of payment being due that they could reverse the credit hit. She was going to see if we did n't have to even go through those steps of providing proof by checking with a manager and calling me back. She called me back and said that even providing proof she wo n't reverse it because my mailing address was correct. I explained I just recently bought the house I 'm in and I have n't received any mail from BMO and that I clearly had no idea who had my loan as I called multiple banks to find where my loan existed. They said they do n't send out emails and that the mail is the only documentation they send. I said I live in a townhouse and have a small mailbox within a pod of other mailboxes for everyone else on my block since they 're town homes as well. The representative would n't do anything for me. I have PERFECT payment history for all my auto loans and this is my fourth I 've ever had. I even said, let this conversation go on record! I now know who my loan servicer is and we have had a conversation about what I need to do going forward. Leaving that conversation feeling like the representative/company thought I was lying and actually an irresponsible person trying to take advantage of their business is sickening, disrespectful and unfair.
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| 12/22/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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XX/XX/XXXX Consumer Financial Protection Bureau I am writing to file a complaint against BMO Harris Bank.
I opened a checking account online at BMO Bank on XX/XX/XXXX, account ID XXXX. I have made significant deposits on XX/XX/XXXX and XX/XX/XXXX, but no withdrawals made. Total balance is {$14000.00}.
I checked my balance on XX/XX/XXXX, and the balance is XXXX.
On XX/XX/XXXX, I went to the BMO Harris branch at XXXX XXXX XXXX, XXXX XXXX XXXX. I spoke to branch XXXX XXXX XXXX, XXXX XXXX. He informed me that my account was locked due to suspicious activity. He did not specify the activity.
He asked me to produce several documents including two photo IDs ( drivers license and passport ), social security card, credit card, naturalization paper, and utility bills ; I complied promptly. XXXX XXXX also said that he would contact XXXX recovery team in his bank to restore the balance, but no specific time frame given.
I have called his office several time since ; he has not answered and I have left messages.
On XX/XX/XXXX, I went to the branch to meet with XXXX XXXX, and was told that he was off for an unspecified emergency. He called me later that day, saying that he is still working on it but again no time frame was given.
On XX/XX/XXXX, I went to the branch again. I met with XXXX XXXX and he asked me to contact the fraud department, as XXXX XXXX said he was not authorized to unlock the account.
On XX/XX/XXXX, around XXXX XXXX, I called the fraud department and spoke to XXXX ( I believe XXXX XXXX ), a fraud XXXX with BMO Harris. He advised that I should return to the bank with my passport, and XXXX XXXX could unlock the account immediately.
On XXXX, around XXXX XXXX, I went to the bank with my passport, and again XXXX XXXX refused to access my account, and stated that he is not authorized to unlock it.
On XX/XX/XXXX, XXXX XXXX called and said that he has been working with XXXX XXXX XXXX in the fraud department to unlock my account. I was given no time frame as to when this situation would be resolved.
I am enlisting your help to investigate and resolve the issue immediately. Please advise if you need any additional information, or have any questions.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX.
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| 08/21/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
Older American |
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Dates, amounts and actions : On XX/XX/XXXX I got a mail notice about an overdraft. I opened the account online and was appalled to see the bank had charged me overdraft fees against a positive balance that put me in overdraft and then proceeded to charge me daily overdraft fees against the overdraft they caused. There was no attempt made by the bank to reach out. The negative balance got deeper and then my insurance company made drafts against negative balance of which {$36.00} per draft was charged while the {$7.00} daily fees continued.
The total of the overdraft came to {$250.00} of which {$290.00} were overdraft and services fees charged in a 20 day time period.
I talked with XXXX XXXX at the XXXX Customer Contact center of BMO Harris Bank. This was on XX/XX/XXXX at or around XXXX. I have been a customer at the bank since XX/XX/XXXX. He proceeded to lecture me on the overdraft. I have never seen a daily overdraft fee. I asked him when the bank had put this policy in place as I never would have agreed to it. He claims the policy was put into place when I opened my account 18 years ago.
I asked him if he had paper proof of that, and all he responded with was I can show you the current terms of your account. Frustrated with the apparent disregard they had for customer relations and the attempted dressing down from a person who wouldn't give his last name, I hung up. I'm XXXX Years old. I didn't intend to get emotional, but the attitude and wanton disregard for the past 18 years of being a customer put me into overdrive.
This is just flat out robbery by another name. Overdraft fees, on top of daily OD fees, on Top of Overdraft fees as in the Punishment will continue until morale improves. I have wired enough to cover the overdraft, but the best out come for me is that this go as public as possible. A bank can only be as good as the service they provide and they all provide some variation of the same service. We bailed them out 8 years ago via tax payer dollars and then govt borrowing as the Fed printed up trillions to make their balance sheets whole again. Not one of them went to jail and now they rob us blind with apparent impunity.
I realize with your budget cut, your ability to reach out is limited. I thought I would give it a try.
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| 05/03/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Managing an account
- Problem accessing account
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Web |
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I opened an online account with BMO. I received an email with a link to verify 2 micro deposits which I did. Once that step was complete I was instructed to setup the mobile app so I would be able to verify the account terms ( CD term, amount, rate, apy ). I was never able to get the app to work as I kept getting an error message. I was told to wait until the next business day and attempt again. When I attempted the next day the app stated " the user ID entered does not exist ''. Concerned I called in and was asked if I could receive text messages. The associate attempted to verify me via text but I never did receive the message. She stated there was not much more she could do and I asked to escalate. I was transferred to XXXX XXXX. I explained to her that I was having issues with the application she stated I could complete a form, have it notarized and send it in with a copy of my drivers license. I told her that was not an option that I was trying to validate the terms and conditions of the account that was opened and that I was not able to verify the account number, etc and that my online access had been removed. She stated she really could not assist me. I told her I had a request from XXXX to verity the debit was correct and that the account was established. I told her I would need to let XXXX know that I was not able to verify this information and they may return that debit as fraud. I asked if we could please escalate as I hated to take that action. She stated that there was no one higher than her to escalate to. I was shocked as she defiantly was not the CEO. She then again stated that the person I spoke to the day before did not do what they were supposed to and the only way I could procced is the complete the form and find a notary. I again told her that was not an option. I do not think customers should be the penalized and made to jump through hoops when the technology provided does not work. I then asked being that they could not verify me and I could not verify the information requested could they account opening be cancelled and the funds returned. I was told no, it was too late. Again, I feel like I should have that option being that I was not able to verify and utilize the information sent to me via email and the mobile app.
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| 11/28/2020 |
Yes |
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- Trouble during payment process
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Web |
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BMO Harris Bank N.A . is claiming not to have received an XXXX payment that in fact shows received. I have been speaking with a representative in the compliant department since XX/XX/2020 and he too is having difficulty having the account reconciled. I have also filed a compliant with the XXXX XXXX XXXX. The XXXX closed the complaint as the business claimed to have sent me a letter. The letter I received was that I still owe a payment. Prior to this, I was speaking with Customer Representatives over the phone that were unable to figure out why the payment was missing. I have statements showing the business has taken the money from my account ....
- XX/XX/2020 = {$750.00} ( applied to the XX/XX/2020 amount due ) - XX/XX/2020 = {$770.00} ( applied to the XX/XX/2020 amount due ) - XX/XX/2020 = {$750.00} ( applied to the XX/XX/2020 amount due ) - XX/XX/2020 = {$760.00} ( applied to the XX/XX/2020 amount due ; the statement received showed a balance owed of {$480.00}. The representative I spoke with claimed the account would resolve itself as I have been making the payments. So, just to make my normal payment. ) - XX/XX/2020 = {$720.00} ( applied to the XX/XX/2020 amount due ) - XX/XX/2020 = {$43.00} ( applied to the XX/XX/2020 amount due ; this was due to a Representative calling me and telling me if I paid this, I would be current, owing a payment for XX/XX/2020 ).
I have yet to receive my XXXX statement ( and never received a XXXX statement ), which I was hoping to see the account reconciled. However, instead I received another letter stating that I missed my XXXX payment. I'm not sure if the bank is failing to apply the payment and keeping it in unapplied funds ( this was a theory of my Complaint Representative ), but this needs to be resolved. The compliant Representative XXXX XXXX has not returned any of my calls or emails since XX/XX/XXXX and his Manager XXXX XXXX has declined to get involved. Another email address that has fallen silent is XXXX. This is the email address Representatives keep giving to submit for review. I have emailed this email address four times to try and get a response. Just to be clear, I have emailed the XXXX address, made two complaints on the BMO website and two complaints on the XXXX with still no resolve.
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| 07/14/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Credit decision / Underwriting
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Web |
Servicemember |
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On or around XX/XX/XXXX, I applied for a mortgage loan to reduce my mortgage payment at BMO Harris Bank XXXX Illinois XXXX XXXX location. I talk with XXXX XXXX ( XXXX ). I sign a paper so I could start the application process and for him to Pull my credit report at which time I had told him I had file for bankruptcy in XX/XX/XXXX.He said that did not matter, because they 're doing this new program, where I get a grant to pay closing cost for {$1000.00}. This sounded good. Made an appointment, I gave him copies of my Bank statements for 2 months current copy and current copies of my mortgage statement for 12months and information about property taxes, and home owner insurance, then he asked me for a lease for the rented apartment I said ok made another appointment .he did not show up for this appointment. re-schedule. I got tried of the run-around and called him and said that ok about the loan. Then I decide to try again because no one would give me a loan. On XX/XX/XXXX. I called XXXX XXXX XXXX and asked was it to late to get the loan he said no just bring in the lease form. I said ok. I took in 2 years of tax returns, copy of home owner insurance and the lease. He said I had to sign a new application form so I did. I asked him did he have to pull my credit report again, he said '' NO. he said they keep the credit report for 90 days on file. I said ok. Then on XX/XX/XXXX I receive a credit alert on my credit report that a hard pull was being made by BMO Harris Bank . I then gave XXXX XXXX a called and asked him why he had pull my credit report again, he said he was sorry they only keep it for 30 days. I was upset so I just waited to see if I would get approve for the loan. He told me I would receive a package in the mail bring it in we will go over them. I did receive the package and a statement of credit denial letter dated XX/XX/XXXX. reason for denial Bankruptcy I called him today and told him that he knew I had file bankruptcy and should not have kept pulling my credit report and told him that I told him doing the application procedure that I had file chapter XXXX. he said he was sorry but have not seen the denial letter yet and would call me as soon as he see it. I said ok and file this complaint on XXXX XXXX. XXXX XXXX XXXX.
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| 12/10/2021 |
Yes |
- Vehicle loan or lease
- Title loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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In the first week of XX/XX/2021, I went to make my final payment to BMO Harris bank by logging into my BMO account. In my BMO account, I was able to see how much was on my loan so I could use their express loan payment site to make the payment. I could no longer see the amount I owed, it was as if the account was closed as it wasn't showing on my screens anymore. Unsure of what my balance was, I tried to call BMO many times. I was out of the country at the time and tried to use their international number, but the number would never connect me to a representative and would disconnect. I contacted BMO via email and social media but never received a response. I have an email I sent out on XX/XX/2021 detailing my frustration with the company for not responding to my calls or inquiries and that I just wanted to make my final payment but did not know the amount I still owed. I emailed them consistently for the next following weeks, I was calling them on the international number, I even had my mother call and speak to them as well. They told my mother that they can not speak to her as she is not a user on the account and therefore she can't make payments, but I could add her as a user. I sent more emails requesting to add her as a user but I did not receive a reply until XX/XX/2021. I replied to their email with my mother 's information and requested the number to call to pay off the loan as well as the amount. I never received a response from them until eventually, my mother was able to get in contact with one of their representatives. This representative stated once I approved her ability to speak on my behalf and make the payment, she would need my mother to call her directly in order to make the payment as only she could make it. Once I sent the information with my mother 's details over email, my mother tried to contact this representative whose name I believe was XXXX or XXXX, but it consistently went to voicemail. My mother left many voicemails to make the payment but we were unable to get in contact with her. Eventually, I returned to the states at the end of XX/XX/2021, called BMO, and made the payment myself but at this point, the damage was done and they marked me as delinquent despite my many efforts to pay my final payment.
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| 08/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Hello, I am looking to refinance my mortgage that is currently being financed with BMO Harris Bank N.A., and wanted to take advanced of the current low rates. I had filed for Bankruptcy years ago and both my first and second mortgages ( both with BMO Harris Bank ) no longer display on my credit report. I called BMO on XX/XX/2021 to inquire about the balances owed on the 2nd mortgage or had it been charged-off ( wanted to get an idea of how much I owed, prior to submitting an application for refinancing ). Neither mortgage was included in the Bankruptcy. I was told my inquiry had to be submitted via email at XXXX and that I should get a response within 24-48 hours. I emailed the same day ( XX/XX/2021 ), on XX/XX/2021 I emailed them once again because I had not heard back from them. I received a response with the 2nd email on XX/XX/2021 asking for additional details on my 2nd mortgage to which I provided the response the same day. I emailed once again on XXXX asking for the answers to my questions. I received a response from the Collections Department from the mortgage servicer for my BMO mortgage - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL. XXXX. I was told that I had been misinformed and that the response time can be up to 30 days for this type of request as they needed more time to research. I received a letter in the mail dated XX/XX/2021 acknowledging my request and promising to get a response to my request as promptly as possible, and that a response will certainly be given within the times limit required by the law. I had not heard back from BMO or from XXXX ( the mortgage servicer ) and emailed once more on XX/XX/2021. It is now past 30 days since my initial request and I have not heard back from them either via email ard/or mail. I want to refinance my loan ( s ) and can not proceed without knowing if the 2nd mortgage has been charged-off, what balance I owe on it if any, as I am not able to come up with a definite number as to how much mortgage I should apply for. BMO Harris N.A., has made it very difficult for me to move forward with my refinance because they refuse to answer my questions. I do not want to feel bound to dealing with mortgage that is very difficult to deal with.
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| 10/01/2021 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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In XX/XX/2021, I opened an account after receiving email marketing from BMO harris that I can establish an account in earn up to {$300.00} after {$4000.00} had been deposited over a 90 day period.
The account was receiving deposits bi-weekly for a XXXX dollars from my employer.
XX/XX/2021, I logged in to transfer the funds to my local bank, due to the lack of ATM 's and locations as I've done since the account opening and notice that the account was not showing on my OLB XX/XX/2021 - I spoke to XXXX ( customer service representative ) who told me the account was closed due to inactivity, being a bank employee at another institution. I knew that XXXX and consistent direct deposits are considered activity. I asked to speak to a manager and spoke with XXXX. XXXX shared that the XXXX 's which were typically sent the next day, not the date of direct deposits being received resulted in the account having a XXXX end of day balance and the system closed it on the 45th day.
I have an additional concern as to this deposit culminating the $ XXXX amount that was marketed. It seems that BMO Harris closed the account to avoid paying the marketing fee. An even more pressing concern is that it resulted in me having to wait for XXXX that was received after the account was closed according to my conversation with XXXX. This will cause an issue with me paying my rent which is due before the XXXX of the XXXX. BMO harris let me know it won't be returned until Monday.
It seems that BMO is engaging in deceptive marketing and closing account pre-emptively to avoid paying marketing rewards, unless you meet additional requirements not disclosed. Additionally, the disclosures for the marketing clearly states that 0 minimum balance requirement, and fees.
- all access to statements have been removed, so I am not able to provide to you. The industry standard after account closing is to allow users 90 days of access, typically for accounting purposes. These statements should show the direct deposit coming in and the zelles being dispersed the next day ( account number used to initiate ) I notified the team member that I will be filing a complaint with the CFPB and asked for her to file a complaint - BMO HARRIS complaint number XXXX
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| 09/19/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
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On XX/XX/2020, I attempted to complete an ACH transaction on a recently opened account. I called customer service BMO Harris at XXXX. CSR who took the call asked me verification questions. I was unsure of the last question regarding a XXXX XXXX that I previously owned. The question was regarding the year of the XXXX XXXX. I was unsure of the answer because I previously owned and no longer own a XXXX XXXX. While I was thinking of the answer the CSR selected none of the above. This resulted in failed verification and the CSR told me I would need to come into the branch for BMO Harris. I then asked her for a manager and she subsequently hung up on me. I then called BMO Harris again at the same phone number and the call was disconnected. I called the same phone number and spoke with XXXX and she informed me that the verification questions were answered incorrectly and that I would need to walk into a BMO Harris branch for verification. XXXX then transferred me to XXXX who repeated that I would need to come to a BMO Harris branch because I was within the footprint of a BMO Harris branch. I was very confused by what the word footprint meant. I advised XXXX that I was currently in the State of New York for an undetermined period of time and was concerned about COVID-19. XXXX then placed me on hold for a very long time ( more than 5 minutes ). When she came back on the phone, she did attempt to assist with the online banking process but repeatedly told me I needed to come to a branch to verify my identity even though the previous customer service representative failed the verification process in error. I am in the New York area for an undetermined period of time and do not know when I will return to the XXXX area to enter a BMO Harris. Given the circumstances with COVID-19, I dont think anyone human wants me to enter a BMO Harris bank. In addition, XXXX suggested that I enter a XXXX XXXX XXXXXXXX in XXXX to perform my banking transaction. To the best of my knowledge, only essential workers, such as doctors and nurses, may enter XXXX for the short term and possibly the long term. There is no BMO Harris bank anywhere near my current location in XXXX New York. We ended the call with no resolution provided by BMO Harris.
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| 11/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
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|
Web |
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I'm a previous Bank of the West customer and am now a BMO customer via the buyout. I've experienced bank buyouts before as a customer, and this, by far, was the worst train wreck transfer so far.
They didn't correctly transfer my bill pay info. There were all kinds of login nightmares that I'm still dealing with. Most of those were resolved by working with their back. However, even today, half the time I can't log in so I try again, and sometimes it will work. Sometimes I have to close my browser tab to get it to work, and even then, it doesn't always work. This is on multiple computers.
I decided to close all my accounts. Calling into their phone tree XXXX was XXXX. They have a set of XXXX prompts, then another set of XXXX prompts, and yet another set to be able to speak to a human. I wasn't able to close all of my accounts, so I had to make multiple calls. Finally, today, I closed my last account. Well, kind of. I was told if there's an outstanding balance before the account actually closes, the account will re-open. My balance showed {$0.00} since I transferred the money out earlier, and there were no transactions I was waiting to hit my account, so I was confident it would close. My mistake. I logged into my account later that day, and it showed a shortage of XXXX cents. Of course, there's a problem with this too ; why wouldn't there be?
So I called back using their phone tree XXXX. I spoke with another bank employee, and caught her up on what I did earlier, and what I am trying to do. She also found it odd that the account was still closed, but had an outstanding balance, and the XXXX XXXX didn't show up anywhere in the account transactions, it just showed that amount being owed.
She escalated the issue and got back to me, saying that I should try to log in, in a couple of days to see if the account balance was back to XXXX. I was extremely irritated that XXXX had to call back for an issue their bank caused, so I asked that I get a call back when the account had been confirmed closed. They agreed. I never got a callback.
Even now, when I log in, it doesn't show that any of my accounts are closed. I was verbally told the other accounts were closed, but it doesn't show that on their website.
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| 04/26/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
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After being a customer of BMO 's for 8+ y ears, I had my first misstep. I have a checking account, savings account, overdraw line of credit and credit card through them. In XXXX of XXXX , I missed my first payments ever. It was an honest mistake, but I just forgot to pay the bill - a true human error. I was never called, emailed, texted or otherwise notified that I had missed a payment. I did n't realize that I had goofed until XXXX XXXX , not BMO, let me know that I had missed a payment and my scored had dropped by XXXX points. I called the company, apologized and admitted that it was a goof on my end but I also mentioned that I was never notified that I had an overdue payment. That helped nothing. They told me that there was nothing they could do to help me since it was " not their fault '' and that I could file a formal dispute. Before filing the formal dispute, I went into a BMO branch to explain to them what had happened. They seemed enthusiastic to help me since they could see that I had done business with them for so long, but I was also told by the manager of the branch that there was nothing she could do either and that I 'd have to follow up with the people who handled the credit cards directly. Needless to say, I filed a formal dispute with the credit card division within BMO and received response stating that the " information being disputed was verified as accurate and would not be changed. '' Document is attached.
I want to make it absolutely clear that I did not receive any communication whatsoever from BMO letting me know that my payment was overdue and I was at risk of a derogatory mark on my credit report. I think I received 1 voicemail from them after my credit report had already been hit. I never once asked that they refund me the late fees, I was perfectly willing to pay them. I only asked that they remove the derogatory remark from my credit report as I felt that there was something they could have done to help prevent the situation.
This all occurred after they completely wiped my credit card rewards with no warning. I would not recommend doing credit card business through BMO. They have some serious work to do from a customer service perspective.
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| 04/27/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
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Web |
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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.
|
| 06/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
I had a Bank of the West Secured Credit Card with a {$1000.00} limit and a {$1000.00} security ( kept in the banks savings account.
1. Back in XXXX I asked that the bank close my account ( at my request ) and apply the security deposit. They failed to do so. While I received a letter stating they closed the account ( letter dated XX/XX/XXXX ) with a balance of {$1000.00} from my voluntary request, they did not apply my security deposit.
2. I have made multiple written requests, phone requests, and even taken to social media asking for help to get my security deposit applied. I have stated repeatedly that once they apply the security deposit and send me a bill for any difference I will pay the difference. They claim to call me back and leave messages, and yet they don't. Although they have hung up on me. When they have spoken to me ( because of my phone call attempts, they hang up, refuse to help - saying they have no ability, refuse to give me to a manager that can do something, or actually promise it will be done and nothing occurs. This has literally been the worst customer service ever.
3. Instead they have charged additional fees/interest and refused to apply the security deposit. As of yesterday morning the representative i spoke to ( that their social media support transferred me to ) stated that if I pay the full balance which is now {$1100.00} ( due to fees and interest added ) that they will then at some point in the future mail me a certified check for the security deposit. But there are no guarantees of when I will get that deposit back.
4. This is not satisfactory, that is my {$1000.00} in that savings account, I don't trust the bank at this point as they have spent months lying about closing the account, stating that in " two weeks my security deposit will be applied '', and now trying to get me to pay the balance and wait for a refund on my security deposit.
Please help me to get this account closed and security deposit applied.
*I have attached the letters received and the latest email outlining the events to the Bank of the West Social Media representative. I have also attached the last security deposit statement and the XXXX Credit Card Statement.
|
| 09/16/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
On XX/XX/XXXX my account was withdrawal for {$270.00} ; The transaction was done on XX/XX/XXXX at BMO Harris bank at XXXX XXXX XXXX XXXX, IL,XXXX XXXX. ON XX/XX/XXXX, I tried to pay something and they informed me that my account had no enough founds to cover the transaction. I checked my bank transactions online and I saw a " REQUESTED WITHDRAWAL " transaction for a total of {$270.00}. I called the bank and they explained me that someone in a different county, same estate of Illinois withdrawal money from my bank account and t " by mistake '' the bank took the money from my account instead of his account. Bank customer service rep. told me that they do not know how that happened and they offered me to refund the money but it will take 2-3 business days. As well they recommend me to go to my branch, spoke with the manager in the branch close to my residence and they will talk to the manager in XXXX branch to " tried '' to correct my account and deposit the money into my account as soon as they can. I asked her what will happen with the payments I had schedule to be withdrawal from my account in the following dates, because those will be rejected it due to no money in my account. She said that they will not charge me an overdraft " if '' they accept one of those payments, but since I had no money in my account, then no one of my payment will be through. That answer do not help me at all, as a result of his error and lack of problem solving at the moment, I will end up with a ton of fees in my end with a different institution that I owe because the payments will not going through. Regardless that they will return my money, this situation extremely concerns me, how is possible to release money to someone that is not even the same sex or nationally as the account holder 's name or picture ; how is possible that the bank will charge me for late fees as quick as next day if I withdrawn my account, but instead, if they make an error they will take all the time they want and leave me with no money for payments that I need to make, in addition with a bad record in my credit report, adding my stress level up to the roof because of a bank error which is not even reasonable or credible.
|
| 08/23/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/2022 there was XXXX withdrawals from my account on for {$110.00} and the other for {$110.00}. I had moved from XXXX to XXXX on XX/XX/XXXX. I checked my balance on XX/XX/XXXX it was a Saturday and called the number for BMO Harris Bank immediately that Saturday to report these charges and have them stop them because it showed they were pending. BMO said they would look into this matter. They said they would cancel that debit card and send me another one. Had to call again on Monday XXXX they did not stop the transaction. So they said they would put the money back and investigate the matter ma month later I checked my account because I was very upset with BMO because they never sent me a new card and I was now living in XXXX and there is no BMO banks in XXXX so I could not go into a local bank. So when they removed the money from my account overdraft. So now they say I owe {$270.00} dollars to them for the funds and fees. I called BMO again and they informed me that they did not find in my favor. I was very upset and asked them how they could not have found in my favor?. They informed me that the mercant told them I order diet supplements and had them delivered to a address in XXXX. I asked what the address was and the gave me my aunts address. I said we'll that never happened and nothing was ever mailed to her house. I explained to them that the investigator should have verified that information they should have check for a tracking number and followed up with fraud charges against these people. I was not only violated from a scammer but by my bank as well.I appealed the decision and that is when they were suppose to send it to the appeals department. The lady took my aunts name and phone and took my phone number and said a lady investigator would be contacting my aunt and myself. No one ever got ahold of us. I started getting notices about my account being over drawn and they are going to send me to collections agency. I called BMO bank again a couple days ago and they informed me there that there is nothing they can do to contact the police depart. I thought banks are there to protect us against things like this. I have been victimized twice now. Thank you.
|
| 11/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
I deposited the following checks at BMO Harris that were named out to me & a previous mortgage lender ( mistakenly addressed by my home insurance provider ) on XX/XX/2023 for Insurance payments to a 3rd party who did repairs on our house.
Check # 1 - {$5000.00} - Mobile Deposit Check # 2 - {$9500.00} - Mobile Deposit These checks are placed on hold because I deposited these checks with only my signature but they were addressed to myself and a previous mortgage lender I had no relationship with anymore.
I contacted the bank to figure out what needed to be done to release these funds so I could pay the 3rd party repair vendor & they explained I would need an affidavit signed by the other party on the check. Because I had no relationship with that mortgage lender at that time they would have no reason to sign those checks. I contacted that previous mortgage lender to be sure & they were not able to assist. I also contacted BMO Harris local bankers & their main support line over email to provide information on mailing the required affidavit & official procedure needed on the outside chance that previous lender could sign. I followed up three times with the bankers near my house by phone & twice to their general support email for affidavits. No response was ever given & no information ever provided.
So they accepted these checks without the correct signatures & kept them on a hold until XX/XX/XXXX when I noticed there was a COE claim on both those checks.
I called weeks after that happened to find out what that meant & what were the steps to either reject those funds back to the insurance provider so correct checks could be made out or what that COE claim meant for more information. They explained to me they could tell me nothing repeatedly about what that claim meant.
The funds are now gone from the bank. No information provided by the bank & Im starting to receive fines from the city of XXXX for being on collections with the vendor who made the house repairs.
I can provide screenshots of these checks when requested.
Please assist in this situation. I have no idea what to do at this point. Nor the bank or insurance provider has been able to find a solution.
|
| 12/07/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On Friday, XX/XX/XXXX at approximately XXXX XXXX I went to BMO Harris bank on XXXX XXXX XXXX in XXXX, WI to deposit {$240.00} into my checking account via ATM. At that time {$120.00} was recorded but was not placed into my account however {$240.00} was the amount deposited. The denominations were one single XXXX dollar bill and seven XXXX dollar bills. The ATM logged off and shut down, and at that time I saw an employee exit the building as they were closing for regular business hours. I asked her if she worked at the branch and she replied yes. I quickly explained what had just happened and the employee stated that the only way she could help me was for me to come back the next morning. The next morning I went back to the branch to discuss this with the same employee about the issue I had experienced at the ATM. She called the corporate office and filed a dispute to rectify my {$240.00} deposit. I was told ATM would be balanced and my money would be deposited at a later date. However my rent was due and I needed the money placed in my account immediately. My boyfriend stepped aside to take a phone call, the employee proceeded to offer me a credit card so I could take a 26.4 % cash advance on the credit card in order to pay my rent. I had no intention of opening a credit card, I did not believe this was the only option to obtain my funds however felt forced into opening a credit card with BMO Harris. Due to my age I felt that opening a credit card was not a reasonable option. After I had opened up the credit card, I called the BMO Harris customer service phone number to explain the issue that had occurred and the lady on the phone would not help me as she was stating that I was being " coached '' by someone in the background during my phone call, the lady proceeded to state that she could not help us due to this fact and hung up. To date my funds have not been deposited into my account. On XX/XX/XXXX, I called the bank manager to see how this situation had progressed and was told that it was not even on record but would look into it the following monday, XX/XX/XXXX. I am not in a position to be without this much money and need this rectified as soon as possible.
|
| 07/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
I am filing a complaint about the BMO Harris Bank because I have received a bank statement about a checking account that was opened under my name without my approval nor my knowledge. I have never opened any type of bank account with BMO Harris Bank as I live in New Jersey and there are no BMO Harris Bank branches that are located in New Jersey. I had called the phone number that is listed on the bank statement a couple of times to verify who had opened this account but they refuse to disclose this information by either stating this this account does not exist or that they would close this account and submit a " credit dispute '' so that this would not negatively impact my credit score. I highly suspect that this is a case identity theft because in addition to opening the checking account without my approval nor my knowledge and not disclosing the information that I was asking for ; the bank statement that was sent to me appears to be fake as the po box address that are listed on this letter are inconsistent and does not match with the actual bank branch addresses that are listed on BMO Harris Bank 's website. I would truly appreciate it if someone can please take a look into this matter and take the necessary steps to report this company to appropriate law enforcement authority or make the public aware about these fake bank statements are being sent from BMO Harris Bank.
I had filed a complaint with the XXXX XXXX XXXX about this matter. The response that I had received from BMO Harris Bank was the following : " We are in receipt of the complaint for the above referenced consumer. We welcome the opportunity to respond to the consumers inquiry. A letter was placed in the mail to the consumer on XX/XX/2023. We are not posting the contents of the letter in this forum. Please let us know if we can assist further regarding this matter. Thank you for taking the time to bring this matter to our attention. ". In addition, I received a letter from BMO Harris Bank acknowledging that the bank account was opened using my personal information without my authorization and they had recommended that I should file a complaint with the Federal Trade Commission about this issue.
|
| 03/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I have been dealing with BMO Harris since last XXXX regarding what they claimed to Be late payments. The payments occurred as their interface is misleading and they had switched mobile systems which were preventing me from Logging in as I did not know. When I called, they demanded i go in person despite my concerns about COVID. I asked for statements as I had no way of knowing. Then my kid was diagnosed with XXXX in XXXX and me in XXXX. Despite me telling this ro BMO On the phone ; in email, and va letter. They continue to put marks on my credit report. I have since called and went into the bank. The banker called the credit card portion. I spoke with 5, FivE, people that day - two from collections, a customer service rep, somebody who screens the calls, the banker - the level of service was ridiculous. I explained to each of them as I have to at least three other customer reps in the the phone plus multiple emails and letters that I was locked out of the online system and BMO was refusing ro send me statements. They are presumably charging late fees and interest but I have yet to receive a statement which I have demanded each time I have spoken with them. They told me that I would have to start a new dispute that the account had been sent to their collections. I was debilitated with XXXX for months. Now, I am having an XXXX XXXX up likely related to XXXX-I have XXXX and XXXX along with XXXX XXXX XXXX. I want the entire account resolved but after over an hour on the phone with five people after months of trying to resolve this, I am fed up. I left a message for the banker these days ago and have not heard back. I had to keep repeating that I needed a statement and they kept asking if I wanted to pay the amount due. They did not keep notes in My account and I have to be a broken Record. I asked if I did another dispute for them to expedite it and stop putting late remarks on my credit report expressing my preference that they honor the first dispute. The representative said that there could be no guarantee to honor any request and it would take thirty days. What is more- I had never had a late payment nor a single other negative remark on my credit report.
|
| 10/16/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XXXX my husband and I claimed a bankruptcy due to loss of employment. Part of that bankruptcy was a stipulation or modification with BMO Harris ( BMO Harris attorney was at the hearing ). The stipulation was that we pay XXXX per Month for 36 months with no interest and XXXX per month beginning on XXXX/XXXX/XXXX with an interest rate of XXXX %. My husband and I followed the stipulation and now that our bankruptcy is discharged and our credit rating a little better decided to refinance for a lower rate and combine the first and second mortgage.
We had to request a payment history from BMO to show we had paid our payments timely. When the payment history was provided the payments were not recorded timely. Sometimes a whole month was skipped and two payments recorded the next month. Sometimes the payments were recorded late in the month. This did not show a consistent payment so I had to reach out to my bank for the history from the bill pay with chase bank to show that I had paid on time each month. This almost affected my ability to get a refi. On the payment history provided by BMO it showed a balance of XXXX. While I understand that this is not a payoff, it is usually pretty close. Prior to closing we requested a payoff. We were first told it would take 3 weeks. After some argument they said 5-10 days. When the payoff was finally sent it showed a balance of XXXX. This was a huge surprise. BMO despite that fact that my BK had discharged and I had requested statements did not send any.
When calling BMO Harris I spoke with XXXX who said that they had applied my whole payment to principle and had not followed the XXXX % that they were supposed to. This was another obstacle for us to be able to refinance as the amount was XXXX over what was on the payment history sheet sent previously. They did not follow the court order of the Bankruptcy, and were now wanting to back charge me all of that interest. This also will affect my taxes. I am trying to better my financial situation as a responsible consumer and kept my home instead of adding to the ugliness of the home crisis at that time. BMO Harris seems to have been irresponsible and I am now paying for that.
|
| 03/16/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Hello and thank you for your service ( s )!
I TOO.. Want to help YOU and consumers connect with financial companies to understand issues, fix errors, and get direct responses about problems.
I WISH I DID NOT HAVE TO COMPLAIN TO A 3RD PARTY. : ( It is semi-comforting to know that Submitting my complaint WITH YOU helps OTHERS TOO and plays a role in everything YOU do, helping YOU to identify problems and prioritize YOUR work AND turn MY complaint into action to improve the marketplace. This is VERY important to me!
Here is my ordeal in brief.
NO ONE @ BMO Harris has adequately explined to me " EXACTLY '' why my " electronic deposits '' were not acceptable!
I opened my BMO Harris accout in early XX/XX/2017 with an promotional incentive coupon from the bank itself stating in fine print I need to have " direct deposit OR ANY other electronic deposit '' of {$300.00} or more for 2 consecutive months ( which I actually did for 4 months, see image screen shot ) and " AUTOMATICALLY '' receive {$200.00}.
The banker that accepted the coupon XXXX XXXX at the XXXX Wisconsin BMO Harris Branch 1st FAILED to inform me promptly that this may not be acceptable while trying to acuse me of being hostile. I was not in any way hostile and was appologized to by another member of the bank for her behaviour. I was VERY disappointed in her lack of timely concern for my {$200.00} incentive, she merely opened the account, DID NOT CARE and/or forgot about the incentive altogether there-after! She sure DID NOT forget to sales pitch me for a mortgage though!!!
I NEVER RECEIVED THAT {$200.00} bucks, it has not been a year yet so this is my final attempt to get my {$200.00} bucks before possible court/legal action.
Heres your coupon! Promo Code XXXX Swing by a nearby BMO Harris branch with your promo code or open your account online now. Well automatically apply the {$200.00} cash bonus promo code when you apply online. Youll get {$200.00} after you open an eligible checking account with qualifying direct deposits.
I would like BMO Harris executives to credit {$400.00} for my having to wait a year for it now.
{ END OF MESSAGE TEXT } - ERROR ATTACHING FILES/IMAGES
|
| 08/02/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I purchased my mobile home in XXXX and secured a 20 year loan through Bank of the West.
The area I live in is considered a flood zone and Bank of the West requires flood insurance for the loan.
For many years, I was using a broker XXXX XXXX who purchased XXXX for the insurance.
Almost from the beginning, I would receive automated notifications from Bank of the West they were missing flood insurance.
My broker from XXXX, XXXX representatives, and myself would send emails and fax declarations. I would also go into local branch offices for support, but all they would do was say they would " contact someone '' at Corporate.
One year, the Bank of the West forced insurance onto my loan although I had purchased it. When that happened, I placed a formal complaint with CFPB COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX In XXXX, I received notice from XXXX that XXXX would no longer provide flood insurance.
I did some shopping and found XXXX XXXX.
I communicated with a XXXX XXXX and purchased what I believed was needed *before* my current policy expired on XX/XX/XXXX.
On XX/XX/XXXX, XXXX XXXX sent the new Insurance policy ( including Flood ) to the Bank of the West.
On XX/XX/XXXX, I received notice from the Bank of the West they had not received Flood Insurance.
On XX/XX/XXXX, XXXX XXXX tried to contact the Bank of the West to no avail.
On XX/XX/XXXX, I sent the following attached letter through US Postal. I also emailed the Escrow Department that same day.
On XXXX Thursday, XX/XX/XXXX, I received the very first non-automated email from XXXX XXXX stating saying explaining the coverage received was {$20000.00} and needed to be {$69000.00}.
Although I will agree my *new* broker made an error in the coverage amount, I believe I am being penalized for a lack of communication as to what was needed.
Their email to me on Thursday, m XX/XX/XXXX was the first non-automated email I received from the Bank of the West.
And now you are penalizing me for a forced place flood gap that could have been avoided had the Bank of the West communicated with me when they first received the new insurance from XXXX ( before my previous insurance expired )
|
| 03/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
I am going though identity theft! It has completely turned my life upside down making me paranoid, and has brought out challenges as in my XXXX and heightened them as well I have meet and exceeded expectations that the bank has requested in my option, and have had to be part of my own dehumanizing. As I am XXXX I am asking for a reasonable accommodations for my XXXX so I apologize in advance if I mispronounce, might not ask or explain thing probably. I do appreciate your patience with me. I have been a customer with BMO HARRIS sense XXXX in XXXX I opened a business banking account for my charity the XXXX XXXX I do outreach and advocate for individuals with XXXX including myself I was refused the reasonable accommodation as well as simple fundamental customer rights I believe the identity theft is though the bank I am convinced I am truly at a loss for words as I watch my credit score and my public image, and mental heath are diminishing. I live on a fixed income and cant afford the money, time from school, and the Commuity that I help I am also part of the XXXX XXXX XXXX of ccs programs of XXXX county and I have put everything on hold they have subjugated me to ableism on a level that has left me crying myself to sleep nightly. I never asked to be born little loan with XXXX and I have overcome all adversities life have thrown my way but this one with the bank has prolly been the hardest and thats a bold statement please help me I have supporting documents as well I have went to the bank over thirty times in the last two months only to be refused service or misspelling my name on the business account and the refusal of the documentation from the IRS on two different occasions I was flagged as fraud as well because the misspelling of my name multiple times from the bank has me as having alias and now my capital one accounts were compromised as when the 360 banking with capital one reached out to verify me XXXX XXXX XXXX gave them false and fraudulent information about me I know this sounds far fetched but I can prove everything with documents and a mound of evidence thank you for taking the time to reach this sincerely XXXX XXXX XXXX.
|
| 05/29/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Servicemember |
|
On XX/XX/2021 I went to a local restaurant and bought my kids food At XXXX XXXX and I must of dropped my debit card accidentally and noticed 25 minutes later it was completely gone I went on my banks app on my XXXX and turned the card off w the controls on the app about an hour and a half later Out of an abundance of caution I checked my account I noticed three charges {$8.00}, XXXX XXXX XXXX at approx XXXX XXXX and XXXX at approx XXXX XXXX I called my banks XXXX number and spoke to a gentleman who indicates the computers werent working properly that day and therefore did not actually shut my card off and he promptly shut it down I then went to the XXXX store where last used and called police and filed a police report I was assured once posted I would get a provisional credit when that did not happen in a few days I called the local branch and spoke to a XXXX XXXX who is of XXXX XXXX decent and explained the situation. I waited several days later and called the XXXX number as why my money was not returned. I was informed that there was an investigation and they determined they said the cars was in my position they said at the time of the incident ( not true ) i then called my local branch and spoke to mr XXXX and determines he totally mixed up my story and apparently led this bank to believe the card was in My position and it was not So I decided to go to police station Tuesday MY XXXX and get the police report and info was limited because this is now an ongoing investigation by XXXX XXXX police and they put the fraudster who took my card and distributes his picture throughout police in Minnesota I then went across street to BMO and showed them the police report and she sent it on to someone at corporate I have never got a provisional credit I shut my card down immediately and there computers were not working that day as they even had a recording when you call the XXXX number The police have pictures and video of the suspect using my card to buy tv and camera and dog food This is an injustice I want to be reimbursed immediately BMO Harris has a copy of police report Its not available as I write this to attach XXXX XXXX
|
| 10/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
We are filing this complaint against BMO Harris for reasons of negligence on their part while the fraudulent activity kept on going with our Home equity and another account for almost 1 year and now enormously distressed by their unfair business practices. We were never contacted to authenticate any such transaction, my signatures were never validated, not a single correspondence. A year later ( XXXX ) we received a letter from the bank notifying us of the overdraft and that we are required to make the payment. My husband, XXXX XXXX went to the bank the very nest morning and discovered that we apparently have a home equity line in the amount of {$610000.00} and a dormant joint account with apx. {$27000.00}. The bank manager was quite helpful ans was able to pull some information. It was discovered that starting XXXX someone somehow accessed our home equity line account and starting transferring money into our joint checking account and on monthly basis was sending money to different banks, one was particularly XXXX XXXX belonging to XXXX XXXX XXXX XXXX The entire year such large transactions kept moving out with fraud signature and received not a single notification. Upon discovering this, we immediately filed a police report, filed a complaint with FBI and FTC. This was all done to provide additional support and assistance to BMO Harris bank in investigating and closing the matter. The bank has been avoiding communication, lack of response. WE had one meeting with investigating team in XX/XX/2019 and other on XXXX, because we were being persistent. There is a matter of statue of limitations as well. The bank is unnecessarily causing delay. FBI has confirmed to the bank that there is no foul play by the client and there is a large racket out which is involved in such fraud activity.
Now the bank is asking for our Identity Theft Protection information which is our insurance. We spoke with XXXX XXXX and they were socked as to how the bank can come after our our personal insurance. We have provided the BMO Harris all the contact information of XXXX XXXX and what they are trying to do is reduce their losses. Their exact words.
|
| 05/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
I am writing to complain about two checks that I deposited in person with Bank of the West in XXXX XXXX, CA on XX/XX/22 and XX/XX/22. It has been almost 6 months since my first deposit and the funds have not been credited into my account. I have made numerous visits, phone calls and sent emails in an attempt to understand where the funds are or to have the checks returned to me to no avail. No one has been able to provide me with the status of my check deposits. I have included below my XX/XX/22 email to the relationship banker who opened my account and her response and also attached copies of the Bank 's internal form " Outgoing Collection Receipt '' showing my deposits. I am hoping that you can assist me in the collection of the XXXX euros ( {$3800.00} ) deposits.
For additional background, on XX/XX/22 I opened a checking account with the Bank of the West and deposited {$1.00} cash and a check made out to me for XXXX euros with instructions that the monies were to be converted into USD and then deposited into my checking account. Even though the deposits were in euros, I was assured that this was ok since the bank 's was owned by the XXXX bank XXXX XXXX and that they would handle the currency conversion. I made another check deposit to this account from the same vendor on XX/XX/22 in the amount of XXXX euros for a total deposit sum of XXXX euros ( see attached " outgoing collection receipts '' ). The Bank has recently been sold to BMO Harris Bank N.A. Member FDIC.
Other than these two deposits, there has been no activity with the account and no record of these deposits being made into my account. Additionally, I was recently notified that my account was overdrawn ( see attachment ) and the Bank is requesting a deposit to cover the overdraft amount due to a {$9.00} service charge. This matter further concerns me as it states that unless I make a deposit, my account will be in default and notice of the default will be sent to a collection agency which will negatively impact my current excellent credit rating. When i log into my checking account, there is no record of my deposits totaling XXXX euros ( XXXX USD ).
|
| 04/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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BMO Refused to renew my loan because it wasn't my primary house anymore. It use to be my primary house for 8years. The loan contract states that the loan will be automatically renewed if agreed by both, but BMO refused to renew do to it wasn't my primary home. This was learned about after I called them and spoke to them. They told me to continue making payments as normal it shouldn't be a problem. As we continued to make payments, my wife and I kept an eye on our credit. It never shown any negative or late payments. Plus, BMO never sent me a certify letter or never demand the loan to be paid in full. I finally paid the balance off on XX/XX/XXXX after months of requesting a payoff letter. Once I paid the loan off they went back 6months and damaged my credit by stating I was late and it was a charge off. They performed this task in XX/XX/XXXX after I was requesting payoff letters months prior. This shouldn't be a charge off or late payment because they refused to give me documents.BMO then back log late payments because current credit checks never shown this prior. I will attach loan agreement which they should of refinanced per contract which doesn't state anything about 2nd home we don't refinance. Also I will attach payment stubs and a payoff document. Also the credit Bureau failed to there job and agreed with them. They also never sent me Documents that they finished there investigation or explained their reasons for their decision. They have ruin my wife 's credit and mine intentionally which has caused a burden and stress. Dates of payments will be on statements. Contact with BMO on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. They even wanted to see if they can refinance the loan and tried, and never mention to payoff the note it is being called. This is wrong for a bank. They also refused payment at first on XX/XX/XXXX until I threaten legal action. Also if you look at loan documents the maturity date was XX/XX/XXXX and it should of automatically been renewed then and they never wrote it off as a charge off or late payment. never reported it on credit report back then.
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| 08/23/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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Web |
Servicemember |
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Good afternoon, I went to have a balance transfer from XXXXXXXX XXXX to a Bank of the West card which promised no APY on outstanding balance until XXXX ( very enticing ). It was a portion of my debt with the intent to forget about some and pay off a smaller portion with discover.
I had requested a balance transfer approximately XX/XX/XXXX, and sent a follow up inquiry on XX/XX/XXXX on their online message center ( no response ). Sent a follow up on XX/XX/XXXX and received a response on XX/XX/XXXX. It was a standard response of wait until 3 weeks ( which had been over 3 weeks by this point ).
Message details sent to them on XX/XX/XXXX : I have no problem making payments ** However, looking at the statement balance, XXXX, which is an INCREASE ( emphasis ) from when I had the balance transfer from XXXX ; XXXX XXXX XXXX.
This is weird as I made a payment on XXXX XXXX in the amount of XXXX, which should have reduced my total to XXXX. I want to make a payment tomorrow, but it seems the math is not math'n.
Please advise, payment due date is XXXX ( Sunday ) which I will make but need to know what's going on.
///////////BREAK/////////// Since this had been two-three months by this point, i preceded to call the numbers on their website. One directed me to a woman who was aggressively trying to sell me an emergency call button for what I imagine is for geriatric population. I interrupted her to ask who she worked for, to which she said she would transfer me but hung up.
A second call after that one was with a man with a poor phone connection, and asked for my full SSN and Credit Card number for verification ( did not provide ).
I have contacted XXXX, and they have no records of a balance transfer being initiated, so I have continued to make my payments to them. Bank of the West created debt out of thin air and were beginning to push for payments being made ( which after my first and only payment, my balance increased despite 0 % interest on debt ). I have ceased payments upon discovery of this suspicious activity and to date have never used this card.
Greatly appreciate your assistance on this matter,
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| 06/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Two of the three credit reporting agencies ( XXXX and XXXX ) still improperly show a debt in collection that I do not owe. I have attempted resolution with a prior complaint ( XXXX ) to no avail.
In 2018 a " XXXX XXXX XXXX, XXXX '' placed a collection debt on my credit report -- I was never notified of it otherwise. As a result I contacted them to resolve -- I had no unpaid debts to my knowledge. At the time they just Identified Bank of the West ( BoW ) as the creditor to which I explained that I had recently resolved a bank error and there should be no negative records ( backed up by letters from the bank and a corrected XXXX credit report ). They gave me no more information and they refused to change the report. I then filed the first CFPB complaint ( above ).
Only in the their written response to the CFPB complaint did they identify the debt as associated with a checking account at BoW ( at the time, joint with ex-wife ) that has long been closed. I had no known debt from any checking account anywhere. So I set out to research and find the source within BoW and to contact the local branch where the account was held to verify the activity. After four ( 4! ) years of communications and efforts they have never been able to identify any debts/fees owed by me to the bank nor any records of the account being delinquent. I, of course, offered to pay in full if that was the case. They have in fact stopped communicating on the matter. Email trails of communication with customer service person and bank manager attached.
This XXXX XXXX XXXX debt is false and not mine. I was never notified by any entity within BoW -- despite extensive efforts on my part to research and find it -- of any debt or fees owed. I have tried for four years, from the banks central records to the local bank manager to find a record of the debt and have even offered to pay it if verified, all to no avail.
This is not reflective of my credit worthiness ( the correct credit report XXXX has my XXXX XXXX at XXXX ). This record of delinquency should be removed from my XXXX and XXXX credit reports with no negative reporting immediately.
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| 01/07/2024 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Hi, So i Recently made deposit of large amount of checks from state of california it was a back pay for my job as an IXXXX XXXX for me XXXX this program for family 's with XXXX family member and a family member can provide the support i was approved to provide in home care for my son since my application date was XX/XX/XXXX and it took so long to get approved the state sent me all back pay from the time i applied i then went to the bank and deposited the amount into my bank account it was fine i went and made some small purchases and everything was going well. Until I decided to pay off my husband car loan on XX/XX/XXXX around XXXX XXXX we went to the XXXX XXXX XXXX and tried to pay off the loan the transaction didnt went trough, After that my card was keep getting declined so the next morning janurayy XXXX around XXXX XXXX i called the bank and asked them why my transactions getting declined the tier one support transferred my call to Fraud department.
This is where the story begin a very rude lady starting all the questions i all ready answered to the tier one agent whom i was on a call with for 30 minutes i asked the Fraud department lady why she is asking me same questions all over again she should have all information from tier one who connected us she got mad and Said okay bye have a good day and hang up on me.
Few minutes later around XXXX XXXX up on checking my account online I noticed i cant login and access anything where i was able to login and access everything before calling the bank so i called again and someone from fraud department asked some questions from checks I deposited and told me that your account is frozen due to check deposits and we will investigate this it will take two weeks i told them several time that those checks are from state of California and you can call the issuer if you have any questions from me i can answer but no my account is still frozen and no one is taking care if it.
I am attaching receipt from the days of deposit and also some email screen shot from the sender of checks the confirms it is coming from a legitimate state office.
PLEASE HELP!!!
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| 08/23/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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XX/XX/XXXX - Checking account opened online at BMO Harris Bank with bonus offer code " XXXX '' which is a {$200.00} offer if 2 direct deposits of at least {$300.00} are made during the first 90 days of account opening. Offer stated that bonus would be applied within 120 days of account opening. ( I have attached the original email with the bonus offer and terms. ) XX/XX/XXXX - Direct deposit # 1 of {$300.00} posted XX/XX/XXXX - Direct deposit # 2 of {$300.00} posted XX/XX/XXXX - Last activity ( ACH withdrawal ) on account. {$0.00} balance XX/XX/XXXX - The 120th day of account opening, bonus should have posted by now. {$0.00} balance XX/XX/XXXX - XX/XX/XXXX statement ( XX/XX/XXXX-XX/XX/XXXX ) made available online. No activity in the statement, {$0.00} balance XX/XX/XXXX - I call BMO Harris to ask about the bonus. Rep says the offer code was not applied properly to my account and she will send the case to marketing team to investigate. She suggests I put some activity on my account to avoid account closure from inactivity of over 45 days. This is the first I 've heard of an inactivity closure. I thus send a {$1.00} ACH deposit to my account for XX/XX/XXXX from my XXXX XXXX XXXX checking account.
XX/XX/XXXX - Account is closed without my knowledge XX/XX/XXXX - I notice my account has the status of " Purged '' when I login online. I call BMO Harris and ask rep to investigate why the account was closed.
XX/XX/XXXX - XXXX XXXX XXXX says the {$1.00} ACH has failed because the BMO account is showing up as closed.
XX/XX/XXXX - I call BMO Harris. The first rep explains that BMO Harris marketing team rejected my request to honor the bonus because I did not satisfy the requirements. Marketing claims that the requirements were to have a " recurring deposit deposit for at least 90 days from account opening. '' Rep then explains the account was closed for inactivity of over 45 days. I ask to escalate the account closure issue and he says there is no recourse for this. I repeat this with another rep and she tells me the same thing. I am told nothing can be done over the phone since the account has been closed.
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| 10/18/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Money order, traveler's check or cashier's check
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- Lost or stolen money order
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Web |
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I was banking at Bank of the West & they had just gotten bought out by BMO Harris Bank. I attempted to wire transfer my funds to another bank account I have at XXXX XXXX Bank as I wanted to close my accounts with BMO Harris Bank. When I tried this they froze my account and told me to call to unfreeze them. I called and the woman said she would unfreeze the account. I checked three days later and it was still frozen. On XX/XX/XXXX I called BMO Harris bank to close both my checking & savings accounts I had with them. I called at XXXX XXXX XXXX. The man on the phone told me he would close the account and the check for about ( total of checking and savings ) {$4000.00} would be in my hands in 2-3 business days. I told him 3 times what address to send it to as they had the incorrect address on file, even though my current address was updated with Bank of the West. The man repeated the address I gave him and I verified it was correct. I did not receive the check at this time so I called and asked where it was. The man told me it was actually 7-10 business days. So I waited and did not receive the check, so on XX/XX/XXXX I called again asking where my check was. I was told by XXXX that it was mailed to my old address and not my current one, even though each person I spoke to prior to this verified my current address. XXXX then told me to wait until XXXX for my check. Between XX/XX/XXXX and XXXX I left XXXX multiple voicemails and got no return call. On XXXX there was no check so I called again and spoke to XXXX. He told me that it was in fact mailed to my current address. He told me that he would put a request for a XXXX to call me back which would happen in the next XXXX hours. XXXX XXXX was a Friday and XXXX a holiday, that would mean XX/XX/XXXX. I got no call from anyone during that week. I called on XX/XX/XXXX and spoke to someone who told me that her XXXX would personally call me that day, and I havent received a call. Its now XX/XX/XXXX, and I have been late on my rent and other bills, owe multiple family members money as they have been so kindly doing what they can to support me during this time.
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| 03/20/2023 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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Dear sir or madam, I opened my BMO Simple Business Checking account on XX/XX/XXXX. At that time, BMO Harris has a promotion to open the business checking account.
These are promotion requirements : By Day 31 your balance must be {$10000.00} and it can not drop below {$10000.00} for the next 90 days.
Have at least 10 electronic transactions post to the account within 90 days of account opening. Electronic transactions can be any combination of : ACH credits or debits, online bill payments, mobile deposits, wire transfers or debit card POS purchase transactions. ATM transactions and POS credits do not qualify as electronic transactions.
I met all these conditions. But I did not receive {$500.00} bonus. I called BMO customer service and spoke to XXXX on XX/XX/XXXX. She documented what I said, Feedback XXXX XXXX XXXX, and she said that she would call me back about the status. But she didnt. I called BMO customer service again on XX/XX/XXXX and asked for the investigation status and was told that I am not eligible for {$500.00} bonus due to my account was opened on XX/XX/XXXX, and promotion has been expired.
The thing is I opened my BMO Simple Business Checking account on XX/XX/XXXX, After I submitted all my information, I received an email to ask me to upload Business Registration Documents, which I uploaded them immediately on XX/XX/XXXX. BMO has all my information on XX/XX/XXXX.
BMO rep told me that my account was approved on XX/XX/XXXX, which is one day late for the promotion. I dont know what happened and why it took another day for BMO to approve my application. However, I submitted all my information on XX/XX/XXXX, I also called BMO business checking customer service to confirm I was eligible for the promotion. This should be considered that I opened BMO Harris Simple Business Checking account on XX/XX/XXXX.
I opened my Simple Business Checking account on XX/XX/XXXX, and I fulfilled all promotion conditions. Per BMO promotion requirements, I should receive {$500.00} bonus.
Please investigate what happened and deposit {$500.00} into my account.
Thanks XXXX XXXX
|
| 05/07/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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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.
|
| 07/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
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Web |
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I opened a " any deposit checking account " online and submitted the proper documentation and got approved. Used my checking account for about 30 days then the bank suddenly out of nowhere closes my account asking me to go into the branch. Once I'm in the branch, the employees tell me to go home and they will give me a call. Well they never did. So i make another appearance and get helped by a XXXX manager who explains that the bank suspected me of being a fraud, but me being in branch with a valid government ID would get them to re open my account and get access back which it did. Same week the account gets closed again. I visit the branch and they turn me away with another promise to have a manager call me. This time I just opened another account online because my app suggests it.. same thing, submitted my documents and got approved. and so i procedded to used that one instead waiting for a call from that branch that never came.
. Same thing happened again. Random online access blockage and a blocked debit card. I go to the bank ready to not go home and wait like they have suggested before but demand answers and service. I was lucky enough to be greeted by a manager who proceeds to tell me my debit card was reported hot and the account was closed and its a final decision. When I told her that doesn't make any sense to me and I have no idea why this was happening she just looked at me like I was a crinimal. It's my account and my money!! Why do they treat me like garbage and at that not tell me why. Her assistance to my horrible news was " you will receive a correspondence from them through the mail '' the manager didn't even offer me to withdraw my available funds .and when I asked her for my money her reply was " I don't have a cash drawer, you can try with one of the tellers '' at this point I'm just shocked and embarrassed so I just left. I'll be returning tomorrow morning to withdraw my funds. I don't know what will happen if they don't let me. Why couldn't the manager give me any real service? The bank itself is horrible and known to be involved with scandals.
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| 08/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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I have 2 Diner 's Club XXXX accounts. One is a corporate Diner 's Club XXXX account. The other is a personal Diner 's Club XXXX. Both credit cards are administered by the BMO XXXX XXXX. Over the years, I have almost never used my personal Diner 's Club XXXX. When I checked my credit report a few months ago, I learned that BMO XXXX XXXX had reported to a credit agency that I was delinquent in paying a balance on my personal Diner 's Club XXXX. When I contacted BMO on or about XX/XX/XXXX about the alleged delinquencies, I was told there were 2 charges for XXXX 's on or about XX/XX/XXXX for {$860.00} and {$1500.00}, respectively. I told the BMO representatives that I did not make those charges to my card and they are fraudulent and I requested they remove the charges and all of the penalties and interest that had accrued. I asked them to review the history of transactions on my personal Diner 's Club XXXX and they could see there have been very few transactions because it is a card I have rarely used over the years. I don't believe I charged anything to my personal Diner 's Club XXXX in XXXX. I also informed BMO 's representatives that my address changed slightly ( I changed apartments in the same building ) in XX/XX/XXXX, so I didn't receive any paper statements in the mail about the 2 XXXX 's transactions, and I haven't been able to electronically access to BMO 's website to review the statements. I spoke with BMO representatives in several additional subsequent calls, once in late XX/XX/XXXX, once on XX/XX/XXXX, and several times today on XX/XX/XXXX. BMO has told me that my personal Diner 's Club account was " charged off '' in XXXX, so they can not give me electronic access to my account. BMO also said they can not review the 2 fraudulent transactions because we are outside the 100 days of the transaction, per XXXX. This is untenable. I didn't have notice of the fraudulent transactions, so I was not able to timely dispute them. I asked BMO today to send me a copy of my statement showing the fraudulent transactions and they said they would e-mail it to me tomorrow.
|
| 05/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
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Web |
Older American, Servicemember |
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My complaint is that I am owed {$120.00} from BMO Harris Bank. Here are the facts : BMO Harris Bank Corporate Headquarters XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX x XXXX XXXX Loan Numbers : Old XXXX XXXX ( purged system ) I purchased my current residence ( XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ) in XXXX of XXXX Financing was through BMO XXXX XXXX loan # XXXX ).
I refinanced this loan in XX/XX/XXXX. XXXX for a more favorable interest rate.
After the closing I received a letter from BMO-Harris stating there was a balance in my BMO escrow account of {$120.00}. I called my bank about it, and was told I'd be receiving a check within XXXX days.
First Call : When I had not received my balance due by XX/XX/XXXX I called BMO Harris XXXX XXXX ] and spoke to XXXX XXXX employees are not allowed to give out last names. ) XXXX informed me that on XX/XX/XXXX BMO-Harris issued check # XXXX and sent to my address. When I told her I never received it, she stated the check would be stopped and reissued. The process was to take approximate 10 days.
Second Call : On XX/XX/XXXX I called again and spoke to XXXX of Customer Service. She confirmed that the check had been stopped, but it was to be reissued on XX/XX/XXXX and I should receive it by XX/XX/XXXX. I also spoke to a supervisor ( XXXX ) who promised to call me to insured I received the check.
Third Call : " XXXX '' XXXX of BMO Harris XXXX called on XX/XX/XXXX. I told her I had not received my check. She expressed surprise and told me she would look into the matter.
Fourth Call : I called on XX/XX/XXXX and spoke to XXXX of Customer Service ( BMO XXXX XXXX. I asked to either see a copy of cancelled check or for them to send me my check. She asked me to wait and give it a few more days. I should have it by XX/XX/XXXX.
Fifth Call : I called on XX/XX/XXXX, and spoke to XXXX. She verified my current address. I was told the check was in the purged system and a new check is being prepared. It was to be sent by 2 day air on XX/XX/XXXX and be placed in my hand by XX/XX/XXXX.
As of XX/XX/XXXX I still have not received this check.
|
| 09/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
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in XXXX XXXX my mother purchased a property in XXXX. In XXXX of XXXX she filed a revocable land trust naming me as beneficiary. in XXXX XXXX my mother applied for and was approved for a 2nd mortgage with Harris bank. I was told that due to the land trust, I would need to sign this 2nd mortgage with my mother. In XXXX XXXX, my mother filed chapter XXXX bankruptcy. I was paying the first mortgage, living at the location taking care of my mother. In XXXX XXXX my mother passed. I continued paying first mortgage. I never received any notices from Harris Bank about any money due them. In XXXX XXXX I relocated to XXXX. My mail was forwarded.in XXXX I attempted to purchase an rv. I was denied as a delinquent mortgage was reported by harris bank. I called them and they refused to talk to me stating my mom had filed bankruptcy and they could not talk to me. when I asked for debt validation, they sent me copy of promissory note I signed in XXXX. I called them and explained that I was unaware of any balance due. I explained that this report to credit stops me from refinancing and taking care of my moms debt. I also explained that I did not file bankruptcy and asked why no demand for payment was made before reporting this to credit. since their report, I have suffered extreme financial hardship. I later found out through other sources, Harris bank wrote this loan off in XXXX my mom had continued to pay until she passed. Harris bank states they never sent any notices stating that payments stopped or the loan was delinquent. I do n't have enough personal funds to hire an attorney, or pay the delinquency. Because of the credit report, I cant refinance as my score fell from XXXX to XXXX. I am unable to purchase a home in XXXX. It is my understanding that when a mortgage becomes delinquent, a demand for payment should be made before taking any other action. even if they had started reporting the missed payments on my credit immediately, I would have known and had time to rectify the situation. but they did not report anything on my credit for almost 2 years after payments stopped.
|
| 09/24/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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|
Web |
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Primary issue : Unable to access my account and funds through any means since XX/XX/XXXX ( mobile app, online, or by phone with the assistance of a banker ).
XXXX XXXX Opened person relationship banking online with an opening deposit, received bank account and routing number. Used these details to add deposit from my employer. Successfully set up online banking profile but was unable to see any accounts.
XX/XX/XXXX - Received email confirmation from bank that opening deposit was complete. Opening deposit amount removed from my other bank.
XX/XX/XXXX to today XXXX XXXX XXXX - Called BMO customer support, including online sales teams, on multiple occasions with no resolution. Agents gave many explanations : - Tell me they are unable to find an account from my account number or social ( only see an online profile ) and can't help me- Tell me there's an issue with linking up new accounts to online access and I have to wait - Transfer me to other departments that are closed - Investigate opening deposit based off the reference number and escalate to a manager, then promise to follow up but never do ( XXXX XXXX XXXX XXXX ).
XXXX XXXX First employer direct deposit sent to account which wasn't returned indicating the money was received by BMO Bank.
XXXX - Received debit card in the mail which can't be activated. When I attempt to activate, it simply redirects me to the same customer support phone line.
I've since cancelled my direct deposits but are continuing to be sent in a loop when calling for help so have been left with no choice but to escalate to CFPB. Although I'm confident in a long term solution to this given government protections and ACH tracking information, I no longer have confidence in BMO as a reliable bank or one that prioritizes their customers.
IMPORTANT NOTE FOR CFPB : BMO IS UNABLE TO ASSOCIATE ME WITH MY ACCOUNT NUMBER SO ADDITIONAL INFORMATION LIKE THE OPENING DEPOSIT/APPLICATION REFERENCE NUMBER ( DTRPBCG ), ACH TRANSFER TRACKING NUMBERS AND/OR BANKING STATEMENTS OR PAYSTUBS SUPPORTING SAID DEPOSITS MAY BE REQUIRED TO RESOLVE THIS.
|
| 01/20/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Web |
Older American, Servicemember |
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I opened a XXXX account with BMO on XX/XX/XXXX. Prior to that I had no accounts with BMO.
I linked my checking account at XXXX with BMO to deposit the initial funds into the BMO XXXX.
On XX/XX/XXXX, the funds were debited from my XXXX account in the amount of {$200000.00}. I am including the confirmation from BMO that the account was funded as an attachment.
I lost access to the account website on XX/XX/XXXX. All of a sudden my log in credentials no longer worked. I called the bank and spoke to XXXX XXXX XXXX ) regarding my account ending with XXXX. I believe he works in their fraud department, and he requested I email him sensitive information ( SS XXXX License ), which I provided to him. I asked him to call me with confirmation of receipt of this info but I never heard back.
I called XXXX back numerous times over a XXXX hour time period on Friday XXXX. His voicemail is a recording that XXXX is not available and to leave a message.
Eventually I connected with XXXX ( XXXX ) at BMO on XX/XX/2023.
She confirmed the account was opened on XXXX I confirmed the following with her based on previous emails and conversations with BMO employees : a. explained XXXX shows the transfer went through b. My back and forth with XXXX XXXX explained that I received XXXX emails about trouble funding the account and XXXX snail mail letter from the Fraud department all on Tuesday, XX/XX/2023 ( attached ) XXXX I told XXXX I want to move forward quickly unlocking this account - they can reverse the funds back to Ally or I will send complaints to CFPB & OCC.
XXXX put me on hold while looking into the transfer from XXXX.
As per XXXX : XXXX. The funds became available to BMO XXXX XXXX. BMO was unable to accept the funds. I asked why not and she told me there is no explanation showing on her computer.
XXXX. She said the funds are being returned to my XXXX account. It will take XXXX business days and they should show in my account on XXXX ( these dates are from XXXX ) My Ally account as of XXXX still does not show that the funds have been returned to my XXXX account.
|
| 04/26/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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We have a first mortgage with BMO Harris bank. This mortgage was first issued in XX/XX/XXXX, and was acquired by BMO Harris bank through a series a bank mergers and acquisitions.
As a side issue, my wife and I filed for bankruptcy in XX/XX/XXXX. We did not reaffirm the mortgage debt, but continued to make timely payments as our intention was to keep the property.
Shortly after BMO Harris acquired our mortgage, they stopped sending us monthly mortgage statements. Because it is an adjustable rate mortgage with property taxes escrowed, the monthly amount due changes frequently, at least twice a year. We do not receive any notice of these changing amounts due. As a result, at times we continued to pay an older amount due that was no longer sufficient to cover the entire amount due.
In these situations, BMO Harris will place the paid funds in a suspense account, again without notifying us of the shortfall.
Needless to say, this soon results in a mortgage payment that is 30 days past due. BMO Harris is prompt on reporting the past due status of the account to the credit unions, before even giving us a chance to make up the shortfall. They also add on numerous late fees and penalties, again without notifying us of the existence of these fees and penalties, which increases the shortfall in the subsequent months.
Over the last several years, we have made numerous requests, both by phone and in person, to have monthly mortgage statements again sent on a regular basis. BMO Harris has never complied with these requests, and has never provided an explanation for why they refuse provide monthly statements.
It is unconscionable for a large bank such at BMO Harris to deliberately refuse to provide regular statements of the amounts that are due to avoid late fees, penalties, and adverse credit reports, yet promptly send adverse credit reports to the credit bureaus. The adverse credit reports have had a direct and negative effect on our financial dealing, more recently resulting a car loan being obtained at a much higher interest rate than was initially offered.
|
| 01/04/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
I earned rewards points from BMO Harris for spending money on my BMO Harris credit card. I used these points to reserve flights for two trips. In both of these cases the airline cancelled the flights ( we did not ask for the flights to be cancelled ; the airline cancelled them ). I called BMO Harris after the flights were cancelled and asked them to refund me my points for these reservations. BMO Harris refused and said that I needed to get the airline to issue a refund to BMO Harris so BMO Harris could in turn refund the points to me. I thought this was unreasonable since BMO Harris was my travel agency and it is their job to obtain refunds for cancelled flights, but I decided to help them anyhow. I filed a complaint against the airline, XXXX XXXX XXXX, with the US Department of Transportation along with the Minnesota Attorney General 's Office. XXXX XXXX XXXX responded and told me that yes, they cancelled the flights, that I am eligible for a refund, and that the company BMO Harris is working with for my reservations is to issue me a refund. I then called BMO Harris back and explained all of this to them on XX/XX/2021 but they again refused to issue a refund. The US Department of Transportation has issued guidance that consumers are entitled to full refunds for carrier-cancelled flights. That guidance is available here : https : //www.transportation.gov/sites/dot.gov/files/2020-05/Refunds % 20- % 20Second % 20Enforcement % 20Notice % 20 % 28May % 2012 % 202020 % 29.pdf. Note that this guidance requires refunds, NOT vouchers. The reservation and flight details are on the attached documents. Copies of correspondence with the airline and other parties are also attached for review. Note that BMO Harris has been paid for these reservations and the airline has been paid for these reservations. It is the responsibility of BMO Harris as the travel agency to work with the airline to ensure compliance with federal regulations and advocate on behalf of their customers. I paid for these flights and the airline cancelled these flights ; I am owed a full refund.
|
| 01/11/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I was 2 payments behind going on the third payment behind and just today XX/XX/XXXX early in the morning around XXXX XXXX the bank of bmo sent the dealership repo told truck to get the vehicle and left and took it. I have previously contact them in XXXX and a few month back before XXXX of 2019 and the representative are very rude and very hard and they dont seem to understand customers financial hardship situations and I talk and have a conversation with an agent they get very aggressive and as much as u explain them what is going on they are very rude and they dont want to listen to you all they talk about is money rather than giving me the opportunity to talk and see my options to reduce my payment or get enrolled in to a payment plan or arrangement dude to my financial hardship situation. My income has been reduce and I am the only one working in my home at the moment but you know that XXXX and the winter time the jobs always slows down a lot and its out of my control I explained the representative and agent but it is useless they ignore u and all they want is money rather than listening to customer needs when you go to the dealership for The first time they convince people to buy but when you are struggling to make payments they turn they back and just give u the run around it is not the first time asking them for help and they refuse to do so.
I have XXXX girls that me and Them Depend on the car and now that its snowing I need the car to take them to school and For me to get to work without the truck I cant take my daughters to school and I cant get to work ontime. Or drive to work as thery repo my car this morning it is not fair that they denied me any type of help payment arrangement any financial help to help me get caught or reduce my payments, It was useless the more I would say to them the more they would act XXXX and Laught at me thru the phone. Some of My kids are going to XXXX and need the truck to transport and the school Is a bit far and I have a XXXX XXXX XXXX who I also take to school and Drop Her off the Bank bmo didnt care at all.
|
| 07/30/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
Older American |
|
XX/XX/2022 To Whom It May Concern : RE : Dispute with BMO Harris Bank XXXX name is XXXX XXXX XXXX, on XX/XX/XXXX, I transferred $ XXXX from my account at XXXX XXXX XXXX to my beneficiary, XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX ) at BMO Harris Bank, XXXX XXXX XXXX XXXX, XXXX, IN XXXX. They have held my funds for nearly a month. I have asked my credit union to have BMO Harris Bank to return the funds to my account. This is serious because the money was for family support. The purpose of the funds was to help a family member whose health and business was affected by Covid.
It should be noted that on the original wire transfer the name of the beneficiary was misspelled and that should have triggered an immediate return of my funds. Bank protocol should have returned my money to me the same day since the beneficiarys name was incorrect. Instead, BMO Harris Bank has held my funds for nearly a month with no one contacting me for a reason.
My credit union reached out to BMO Harris Bank numerous times and after many attempts they responded with reference # XXXX that the funds were credited to the beneficiarys account. When I contacted the beneficiary, he told me that the funds are in his account but the bank has put his account on hold so he cant transfer my funds. Nobody at the BMO Harris Bank has explained why his account is on hold. This puts my {$70000.00} in jeopardy. I need help! You should note that I have filed complaints with the FDIC, Consumer Financial Protection and Department of Financial Protection. This is a serious situation where BMO Harris is using my funds for a full month for an internal problem they are having with the beneficiary and is unfair to me. This needs to be resolved immediately. XXXX XXXX XXXX has been notified of this situation to intervene immediately to prevent an intense investigation by the FDIC.
I can be reached at XXXX or XXXX. My address is : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX XXXX XXXX, XXXX.
XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXXXXXX XXXX XXXXXXXX XXXX
|
| 06/11/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
Yesterday XX/XX/20 at around XXXX XXXX I went to the ATM at the BMO Harris Bank at XXXX XXXX XXXX XXXX, XXXX, AZ to make a deposit into my checking account of {$2000.00} cash. The ATM machine jammed as it was counting my cash and froze. I could not get my card out of the machine or my money. The screen went black and it started reloading software. It eventually got reloaded after around 15 minutes. I got my card out and put it in again to check my account balance. My deposit was not credited to my account at all. {$2000.00} cash is missing. I've spent many hours now yesterday and today trying to get my bank to return my {$2000.00} their ATM machine stole from me. I filed a complaint with them yesterday and they told me at XXXX XXXX yesterday that my funds would be deposited to my account within 2 hours. They told me this happens all the time. I'm XXXX and I've never in my life had money stolen by a bank or ATM machine. By the end of the day my funds were not returned. Finally the bank manager XXXX called me after the bank had closed and told me they were " starting an investigation that would take about a week ''. I can not wait a week to get my funds back. That money is a hard money rehab loan that I got from a hard money lender for rehabbing my house. I have contractors lined up to start work tomorrow and all of next week who require cash payment for their services on a daily basis. If I have to cancel their schedules I don't know when they will be available again and this hard money loan is short term and very high interest and must be paid in full by XXXX. I can not wait for my stolen money to be returned. I need it today. All they have to do is go get it out of their ATM machine in their drive through and give it back to me. This delay in returning my {$2000.00} deposit stuck in their ATM is unacceptable. I also called their corporate office this morning where I'm not allowed to talk to anyone but the receptionist. I called their fraud and ATM department who said it's being handled by their Regulation E Dept who they refused to let me talk to.
|
| 01/03/2024 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American, Servicemember |
|
XXXX : Transferred {$5000.00} via ACh from All in XXXX XXXX XXXX XXXX XXXX to BMO Alto.
XXXX : XXXX 'd {$5.00} via ACh from XXXX XXXX BMO Alto.
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wired {$210000.00} to BMO Alto, who rejected the Wire, charged me {$31.00} Wire Reject Fee. BMO Alto insisted that XXXX assessed this Fee. XXXX stated that BMO Alto didn't know what they were talking about : BMO Alto removed {$31.00} before returning the remainder of Wire to XXXX.
-- BMO Alto only later stated they don't accept Wires & apologized that their website doesn't mention this (! ).
-- BMO Alto has 1/ No Chat communication 2/ No Mobile App 3/ No regular Customer Service via e-mail 4/ Long hold times for phone service.
-- After BMO Alto fumbled my Wire Transfer, I decided against doing further business w/ BMO Alto and to close my Account instead, as BMO Alto had given many indications in a rapidly short amount of time that they had no idea what they were about.
XXXX : Requested online ACh Transfer of {$5000.00} from BMO ALTO XXXX Account to XXXX to consolidated my funds. I had waited until my funds were " available '' for Ach Transfers, as BMO Alto had advised.
XXXX : BMO Alto froze my Account due to their claim of " fraud. '' BMO Alto LOCKED Access to my own Account. BMO Alto refused my request to close my Account and return my funds. BMO Alto is demanding XXXX Verification of XXXX XXXX XXXX Copy of my Photo ID ( driver 's license ) " or else '' they won't unfreeze my Account. BMO Alto claims that if I don't send these two documents, I must wait 30-days for the Account to be closed and have my funds restored to the rightful Owner, myself.
-- Is the BMO Alto Rep. I talked to in their Fraud Dept. overseas? She claimed they're " in Florida. '' Impossible to verify their e-mail address for sending a photo ID, which opens me to identity theft risks.
-- I discussed ACh Transfers earlier w/ BMO Alto. I was given no warning they'd freeze my Account. Only that I had to wait for the Funds to become available, which condition I had met.
|
| 03/25/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
I was a victim of criminals who posed as a celebrity and catfished me, placed me under duress and stress and got me to send them money via wire transfer which I did at my bank BMO Harris. The first criminal managed to get me to transfer {$1000.00} on XX/XX/2022. The second criminal got me to transfer a total of {$14000.00} which was broken down into {$500.00} on XX/XX/2022, {$3500.00} on XX/XX/2022, {$2000.00} on XX/XX/2022, and {$8200.00} on XX/XX/2022. This second criminal even went so far as so threaten me with criminal charges as he spun a story that he was arrested in the XXXX XXXX trying to get on a plane with a case of money which he sent me a video of the case of money and a picture of his plane ticket trying to come meet me because he had promised to pay me all of my money back and told me he punched a police officer and was taken to a XXXX. He proceeded to give me an email for the fbi who I emailed and the fbi sent me a clearance form to fill out which looked official so I filled it out then they asked me for {$50000.00} to get this celebrity out otherwise everyone would find out and his career would be ruined which of course was the last straw for me. Subsequently this celebrity told me that charges would be brought against me also. I did call and speak to one of the bankers that I had dealt with and she told me there was nothing BMO Harris could do to help me which I was extremely upset by and disappointed in because I have been a customer my entire life and really felt very uncared for and disrespected as a customer, not protected whatsoever which is why I found this route to get my money back since I was a blatant victim and have documentation of the wire transfers outside of the wire transfer receipt for {$500.00}, communication between myself and these criminals, email addresses, pictures, even a video to back it all up!! I appreciate your assistance with this matter as it has left me emotionally and financially devastated!! Not to mention scared since these criminals both have all of my personal information and I do live alone!!
|
| 04/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
Dear Sir/Madam, I am writing to file a grievance regarding the handling of my Bank of the West credit card account. On or around XX/XX/XXXX, I made a payment of $ XXXX towards my credit card balance at the XXXX location. However, despite my payment, the teller did not properly apply the payment towards my balance.
Upon discovering this issue, I immediately contacted Bank of the West to rectify the situation. However, I was met with repeated runarounds, both in person and over the phone, which resulted in my credit being compromised for the following six months.
It was only after I reached out to corporate with images of the receipt and the names of the tellers involved that the issue was finally resolved.
I am extremely disappointed with the level of service I received in this situation. As a customer, I trusted Bank of the West to handle my account with care and attention to detail. However, due to the negligence of the teller and the inefficiencies of the customer service team, yet again I had another issue this last year in XXXX of In XXXX, I lost my card and requested an itemized list of my purchases and a replacement card. However, despite repeated attempts to communicate with Bank of the West, my requests were ignored.
I informed Bank of the West that I was willing to pay for any purchases made on my card once I was able to review an itemized list of my transactions. However, without warning or explanation, Bank of the West closed my secured credit card account and withheld my down payment of {$1000.00} that I had made in XXXX.
As a result of Bank of the West 's negligence, my credit score has plummeted from XXXX to XXXX. I have been having a difficult time obtaining financing for essential purchases, such as a vehicle, due to this significant drop in my credit score.
I appreciate your attention to this matter and look forward to resolving this issue as soon as possible.
Sincerely, XXXX XXXX XXXX XXXX. I have attached other customer reports on how they have had similar experience with their banking.
|
| 05/09/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
My wife ( then fiancee ) and I moved to Minnesota in XX/XX/XXXX, migrating our personal bank accounts into joint savings, checking, and credit card accounts with BMO Harris. We choose BMO Harris because it had physical branches in the XXXXWI and XXXXIL areas, in preparation for our wedding in XXXX that same year. The accounts manager included a " personal line of credit '' that included yearly fees but were not explicitly stated, as my wife and I were ( and are ) adverse to accounts with fees. We would never use this line of credit. To describe the character of the accounts manager that created our accounts : he got our names, phone numbers, social security numbers, and address all incorrect, taking months to correct in person, over the phone, and online. Additionally the savings account we were given had a prohibitively large minimum balance that incurred fees, another feature of our accounts not explicitly disclosed. I visited a branch in XX/XX/XXXX to close all remaining accounts, including this line of credit, and neither the teller or Account Manager informed me that the personal line of credit could be canceled because of a balance due. I still received vague emails about my online account. A call to customer service in later in XXXX, the representative informed that I had no active accounts and that it must be a glitch in the system pending the removal of my online access. Recent ( this month, XXXX ) updates to BMO 's online system, and email notifications informed me that I had an account with a balance due. After reactivating my online access, I clearly saw the personal line of credit and a non-zero balance. Numerous in person, over the phone, and online interactions demonstrates a clear pattern of incompetent, if not fraudulent, business practices. Given the times involved, XXXX to XXXX, I have no records remaining as problems of this nature become apparent within a year, and I keep those records for at most two years. I will be buying a larger fire-proof filing cabinet to keep records for at least 5 years.
|
| 12/24/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
Over the past 3 years upon renewal subsequent to past issues prior, there have been very serious constant errors, negligence, personal information comprimised, lack of payment statements and possible fraud, misappropriation of funds.
I called for months, found out my telephone payment were randomly applied, and applied incorrectly and the ach debit id that correlated to my bank account reflected mans cell phone that work for the processing company for BMO Harris bank, XXXX XXXX, After finally reaching the Presidents office 3rd year in a row, the head VP of complaints in USA, XXXX XXXX, year 2018, and now Mr. XXXX XXXX, after a full investigation they closed my loan and rebooked without my convent, immediately following my verbal and text communication that I wanted out, they should forfeit my loan, I seriously think they should be fully Audited for the portfolio that they gave to XXXX XXXX when the bought XXXX XXXX charter from the FDIC. I have records of misconduct, negligence and privacy rights disclosed to a landscaping company. Misappropriation of funds etc. iIve never experienced anything like this. Most recent statement made no sence. My last phone payment never went through, they called me today to tell me I never paid, I said I did the same way I did every month, they said this month I had two loan numbers, so my payment never went through, now I called after work to verify, and it does not recognize my loan number?
What they have done is illegal, again the us department of treasury as well as the remittance rule over and over, most importantly my human right.
XXXX XXXX is horrible as their reviews clearly state, yet for well over 3 years Ive had So many problems, now they are verbally lying saying I did not make this months payment, sent me a false statement, and No XXXX called me today to say they had to rebook my Heloan?
I signed nothing!
I would like council, I believe they should be fined or resin my loan.
Its that horrible!
Please contact me, XXXX XXXX XXXX. Us Inspector General
|
| 07/03/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened new checking and savings accounts with BMO Harris Bank on XX/XX/2021. Over the following weeks I made a series of deposits into the account ( some checks, XXXX and XXXX funds, transfers from my previous bank, etc. ).
On or around XX/XX/XXXX, I attempted to transfer funds from my BMO Harris checking account, to my BMO Harris savings account, but found I could not execute the transfer. I also found that none of the debits or withdrawals ( e.g. utility and credit card payments ) I would have expected to see over the previous few weeks were reflected in my checking account activity.
I contacted BMO Harris to inquire as to what the issue might be, whereupon they informed me that " furthered [ XXXX ] verificaton is needed for account access '' and requested that I provide my social security card, driver 's license, and a utility bill to their fraud detection department. I immediately sent the requested documents.
BMO Harris at no time contacted me, by any means, to notify me that there was any issue with my account, nor is there any indication when accessing my account online that it is frozen. They unilaterally cut me off from my money and could not be troubled to let me know they were doing so ( nor did they indicate what I might do to prevent -- or remediate -- the situation ). If I had not discovered the issue myself, I suspect my funds would have remained frozen indefinitely.
Meanwhile, I am unable to pay my rent, pay credit cards, or withdraw cash. I am incurring fees for rejected payments. I have no access to my own money.
I have contacted BMO Harris via secure chat in their banking portal, by phone, and by social media, and repeatedly requested escalation of my case. I have received no assistance -- only standard 'we 're sorry for the inconvenience ' messages and an indication that their fraud team may remove the freeze within 3-5 business days.
I can not contact their fraud team as their offices are closed over the weekend. BMO Harris ' mismanagement of this issue is unacceptable.
|
| 04/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
Older American |
|
On XX/XX/2023 I logged into my online banking to check my balance. I notice a entry that was not made by me. I opened up the entry to notice a check ( which I had previously made out to my medical provider ) was made out for {$220.00} and cashed. I contacted the bank and told them what had happened. I followed everything they instructed me to do. I went in to the local branch at XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX. I explained to them what was going on. But was told There was not a branch manager there and the 2 staff members did not know when or if she will be back. From there I went to the XXXX XXXX Police Department and filed a complaint. I was help by XXXX XXXX XXXX, who took my complaint and gave me a crime victim paper. On Monday XX/XX/2023 my sister took me to the XXXX XXXX XXXX. I explained to a a teller XXXX XXXX why I was there and what had happened. She had me to wait and directed me to one of the Branch Bankers XXXX XXXX. I explained to him why I was there and that my account was fraudulently jeopardize. I gave him all information ( Copy of police report, cancelled check front and back, carbon copy of check in question ) and let him know I wanted to be reimbursed. XXXX took all information closed the account and opened me a new checking account with new debit card. From XX/XX/2023 through XX/XX/2023 I have been to the XXXX XXXX Branch or called to find out what was going on, and I can not get anyone to call me back. I called in XXXX and ask for the fraud department. I explained again why I was calling and that I wanted to speak to someone in the fraud department. I spoke to a gentlemen who told me they wanted me to contact the bank where the check was cashed. I told him I was not going to do his job, I wanted my funds put back into my account. I said if you are FDIC bank I should not have to go through this much trouble to have my funds returned. I have been a customer with BMO for over 40 years, and should not be treated this way. I am at my wits end. Please help. Thank you XXXX XXXX.
|
| 09/14/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
On XXXX XXXX, I applied for a BMO Harris Everyday Checking Account, which offered a {$200.00} bonus for qualifying deposits ( screen shot attached ). The account was provisionally opened on XXXX XXXX, and fully opened after following their procedures, including submission of signature cards.
As detailed below, I contacted the bank in order to confirm that my deposits qualified for the account opening bonus, they confirmed my deposits as qualifying in three separate exchanges, and then other agents within the bank determined otherwise. I would like the bonus posted to my account as soon as possible.
On XXXX XXXX I contacted their eChat service and XXXX confirmed that a deposit qualified ( transcript of chat attached ).
On XXXX XXXX I contacted their eChat service and XXXX confirmed the second deposit qualified ( transcript attached ).
On XXXX XXXX I contacted their eChat service and XXXX informed me that deposits post only after 120 days, " as disclosed in the mailer, '' although I had not applied through a mailer but instead through their online application ( transcript attached ).
On XXXX XXXX, more than 120 days after opening the account, I contacted their eChat service and XXXX again affirmed that the two deposits qualified and that I could expect the bonus to post on XXXX XXXX XXXX transcript attached ).
On XXXX XXXX, XXXX " escalated '' the matter and told me I could expect a response within 3-5 days ( transcript attached ).
On XXXX XXXX, XXXX stated that my qualification was under review, in spite of the previous statements of XXXX and XXXX that I had qualified. He implied that I might not qualify after all, but that the matter was under review ( transcript attached ).
On XXXX XXXX, XXXX affirmed that XXXX had submitted the review on XXXX XXXX, and, after my request, contacted the marketing team. XXXX communicated to me that the marketing team now contradicted XXXX and XXXX, having determined that the deposits do not qualify without further documentation ( transcript attached ).
|
| 12/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
We are a business checking account customer with BMO Harris Bank. BMO Harris has two different portals for online banking. bmoharris.com ( digital banking ) which we use daily and is secure. They also have the portal XXXX XXXX XXXX XXXX ( XXXX ), which was not secure. In XX/XX/XXXX we faced numerous issues with the XXXX and our ability to secure the credentials for the security of the site. We communicated these issues to BMO Harris ( see email dated XX/XX/XXXX with BMO bank employee XXXX. It was our decision then to close and lock the XXXX access as we could not use it or secure the site. We chose to use the XXXX XXXX instead, which we had secured. Harris replied on XX/XX/XXXX that the XXXX was locked ( see email dated XX/XX/XXXX ). This proves our request was made, received and supposedly acted upon by XXXX XXXX. On XX/XX/XXXX fraud actors accessed the XXXX and initiated a wire transfer out of account ( see wire payment confirmation ) for {$49000.00}. This transaction should never have worked as we had requested and received prior verification of our reasonable request to close and lock user access on the banks end to prevent this from happening. the bank was negligent in its handling and therefor at fault. After months of requests for records, to which the bank is refusing to provide, we received an email chain from the XXXX once again surrounding the closure of our XXXX portal. The email chain improperly sates that it had not received any such prior request, however the email we have dated XX/XX/XXXX clearly is proof to the contrary ( see email chain dated XX/XX/XXXX ). The banks improper handling of the account holder 's requests given the nature and concerns surrounding the inability to secure the user access, the prior instruction to close it and lock out access and the banks failure to ensure such action was taken despite its acknowledgments all clearly demonstrate a bank error that led to the financial harm of its customer. We request an immediate refund of the fraud dollars not recovered.
|
| 08/08/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
My wife and I were diagnosed with XXXX XXXX XXXX.
Early XXXX my wife was diagnosed with XXXX XXXX XXXX XXXX. Later in XXXX I was diagnosed with XXXX XXXX, XXXX Score XXXX 'Aggressive ' XXXX XXXX. My wife began XXXX XX/XX/XXXX. I had a XXXX XXXX XX/XX/XXXX. During my recovery I suffered XXXX XXXX XXXX. Before being released from hospital for that diagnosis I suffered a massive XXXX. Needless to say, our income for XXXX and XXXX were lower than normal. My wife ended XXXX XX/XX/XXXX. I was released from physical therapy XX/XX/XXXX.
In XX/XX/XXXX, I made a request to obtain a conventional mortgage from BMO/Harris but was advised by BMO/Harris to renew my HELOC. I attempted to do so, however, our income was deemed too low as we are both XXXX-XXXX. We defaulted XX/XX/XXXX and continued to make regularly scheduled payments. We applied for Equity Line Reset Program XX/XX/XXXX. We were denied XX/XX/XXXX. Our account was turned over to BMO Loss Mitigation XX/XX/XXXX.
We have never missed any payments. We have no auto loans or recurring credit card debt.
We were placed in Forbearance while I attempted to secure a mortgage from other lenders. I was told by BMO/Harris that I would need approximately {$800.00} per month more in income to be approved. I requested an IRS approved monthly XXXX distribution from an IRA I own which paid over {$900.00} per month. We were placed in a second Forbearance and ultimately denied a reset to our HELOC. We had not missed any Forbearance payments.
I found a portfolio lender that approved us for a higher interest rate mortgage and received a professional appraisal valuing our home at {$320000.00}. I wrote BMO/Harris requesting an extension so we would be able to close on this new loan. The extension was denied and Harris placed us to collections and filed with the court for Foreclosure. I was advised by Harris collections to stop making further payments on the HELOC.
The new mortgage was then denied and Foreclosure is now pending.
Documentation available upon request.
|
| 07/20/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I opened the Everyday Checking with BMO Harris over the phone in XXXX 2016. The promotional code that I used for the {$250.00} checking bonus was n't expired until XXXX XXXX which was after when my account was established. This code was confirmed originally by the phone agent, and the bank should have kept the recording of this phone call as proof of my claim. Moreover, I also have email proof of this promotion sent by the bank so there is no denying from the bank for refusing to honor it. The worst thing was with their customer service which seemed to have mostly been trained to tell all customers that the promotion was not from the bank at all, and the bank website has been hacked or at least the promotion page was hacked to send out this bonus. I have NEVER heard such a ridiculous response from any other financial institutions before, and it is seriously shocking to learn that a good sized bank like BMO Harris could NOT honor its bonus for whatever reason.
The second issue is with the XXXX monthly fees charged. I have to say that their banking system is the worst I have ever dealt with, even credit unions are having better systems to make the process easy to use and streamlined for their customers. When I created my online banking account I expect everything to be automated and did NOT have to call customer service to get it to work. This has been my experience with any other financial institutions that I 've dealt with, however BMO Harris system is different and does n't work without manual intervention. The request for refunds is for the amount of time and trouble it caused me to set it up successfully. If I received the initial temporary password that your website was supposedly to send out, I would have completed the enrollment process in no time and transferred in enough funds to waive the monthly fees.
So to summarize, I 'd appreciate CFPB to work on my behalf with the bank in order for them to honor my bonus, and refund the fees charged inappropriately. Thank you very much.
|
| 08/29/2016 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
Older American |
|
I applied for a home mortgage loan with BMO Harris Bank N.A . I chose this financial institution because they are listed as XXXX of the few authorized lenders for the 1st Home Illinois program offered through XXXX I am a XXXX XXXX XXXX XXXX XXXX male. I have a XXXX credit score, a 0 % debt to income ration, and am on a fixed income through social security. I was pre-approved in XXXX. I have had no change to my income, credit score or debt ratio from the time I was originally pre-approved. In XXXX 2016 BMO Harris requested that I pay a {$490.00} dollar application fee. After I paid the fee they completed the appraisal on the property I have a contract on. The appraisal came back within range of market value and requested price. I meet all the requirements for the 1st Home Illinois program ) I was told this by the lender and instructed to complete the homebuyer counseling course and obtain a certificate. I received an email on XXXX XXXX stating my loan application was denied due to " Limited credit experience and Value or Type of Collateral not Sufficient. In figuring a credit score the credit bureau 's figure length of credit history, debt ... etc in figuring a score, which is in turn used as a basis to offer credit. If I meet the credit bureaus standards to have a XXXX, why am I subjected to additional credit scrutiny by the lender. Secondly if the Federal Trade Commission considers social security a reliable source then why is this not the case with the lender. The XXXX states I may not be discriminated against due to age, however I feel it is the basis for my denial. After all, how could I initially be pre-approved based on credit and income and then denied based on the same criteria which has not changed at all. In fact my current rent of {$630.00} is actually higher than what my mortgage would be, which is estimated at {$430.00}. The XXXX states credit should be made available to creditworthy applicants without regard to color, religion, sex or age. My XXXX makes me creditworthy!
|
| 10/11/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
On XX/XX/2018 BMO Harries bank charged me an overdraft fee of {$36.00} dollars after I had deposited money to cover the overdraft that occurred on XX/XX/2018. On XX/XX/2018 an automatic charge from XXXX in the amount of {$10.00} was charged to my account which had {$1.00} at the time, causing me to go into negative {$8.00}. This occurred some time in the afternoon and the bank has a cut off time of XXXX local. The next day in the morning when I checked my account I was made aware of this situation, which I promptly remedied by depositing money into the account to cover the overdraft, at this time the bank did not apply the overdraft fee, which means the account was only in negative by {$8.00} when I deposited the funds to cover the overdraft. Later that day the bank charged me the {$36.00} dollars for the overdraft even thou I had remedied the issue hours before. I was not given any notice by the bank that my account had been overdrawn nor prior to me checking the account myself. There reasoning is that because I didn't not deposit money the day the overdraft occurred, the XXXX of XXXX, and it is now the XXXX of XXXX they will not remove the charge. This is only one of the shady practices that this bank deals in. A month before they charged me over {$100.00} dollars in late fees because they forced a service charge thru before my purchases causing me to overdraft even thou when I made the purchase I had money in the account to cover the purchased items. I believe that this is blatant ripping off of customers since not even a full day had passed before I deposited money to cover the overdraft, the bank had not even charged me the overdraft fee when I deposited the money to cover it. This has occurred on many occasions and when ever I call to right the wrong they give me different reasonings and excuses of why they can not help. After some internet searches I came across several lawsuits against BMO Harries bank for these practices that they were fined for and lost cases. Thank you.
|
| 10/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
I'm a small business owner. I have a business account with BMO bank and they opened the business after i met all requirements. I submit a check from a client. The next business day which was a Monday they freeze the acount. They tell me this is protocol because my address is different from business address. Then they tell me a few business days. I call and ask why is my account frozen and only an Anaylst assigned to my account can talk to me. Seven days later they tell me someone tried to make a charge on my debit card internationally, but how on a frozen account and card in my possession. Then I'm told it's hard to believe that someone like me can deposit a $ XXXX check and they need 30 days to investigate me.Then they make me email my contract to prove that I contracted with XXXX and a sample invoice. I contact my client to cancel the check only to find out the bank made good on the check the first day I deposited the check on XX/XX/XXXX and fully cleared XX/XX/XXXX and the client provides proof. I am then told to email proof to the fraud department which i do. I further send in transaction information from XXXX to the analyst as well. I finally get the back office info for XXXX bank and contact them and they have me send an email to that department as well. On Saturday XX/XX/23 i go into the bank in XXXX, Ca and my account is further notated to show them again my business formation paperwork. The Analyst XXXX XXXX stated that she would not remove the freeze until XXXX calls her directly and confirm the check. XXXX does not do that and BMO bank should know that. I have gotten eviction notices, disconnected power, couldnt make payroll, pay my business insurance, credit cards or anything because a bank vetted me to open account and when i use the account i become suspicious and treated this way. The analyst further refused to speak with me as well as her boss refused to speak with me. My business is XXXX XXXX XXXX same name account is in. The website is XXXX I am XXXX XXXX XXXX
|
| 08/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Hello. My name is XXXX XXXX. I am a customer of BMO Harris Bank N.A .
XX/XX/XXXX I called the BMO customer service help line and filed XXXX transaction disputes. The XXXX transaction was posted on XX/XX/XXXX in the amount of {$710.00} The XXXX transaction was posted on XX/XX/XXXX in the amount of {$110.00}. Both transactions came from the same merchant. XXXX XXXX hotel.
The transaction dated the XXXX was from a reservation I made online for a stay at this hotel. Online this hotel states it is 'pet friendly '.
After making online reservations, once arrived I went into the hotel lobby to check in, all was fine at this point. I verified my card, my id, ECT ECT. As we were about to part ways, I was given the hotel key, the guest service representative realized that I had a cat with me. She stated that that's not allowed. I pointed out the claims states on their website. Nonetheless, she informed me cats are never allowed. Dogs only on a single night basis. She then told me that she would need to cancel my reservations. But assured me the charges would reverse before they finish processing. That never happened. Not only was I not returned the {$710.00} for my online reservation they cancelled. I then find out that another nights charge was posted on my account. When I called with my concerns to this. I was told that I would receive the refunded credit for the cancelled booking however due to cancellation policy I am responsible to provide payment first XXXX nights rent. For cancelling. But I didn't cancel!
I tried for weeks too work this out with the merchant and had no success. XX/XX/XXXX I contacted BMO and filed the dispute. I called almost daily to receive updates as to this only to be left on hold again and again.
I am a single mom. {$800.00} is allot of money to lose out on for something that was never recieved.
BMO informed me today that my claims were denied but could offer me no explanation as to why. So I was put on hold again until ultimately the call was dropped
|
| 09/09/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have a mortgage loan with BMO Harris Bank. On my XX/XX/2017 loan statement, I noticed that the amount I 'm paying over the regular payment amount due is all of the sudden being applied to the following month 's regular payment. Up to this point, anything over the amount due was being applied to the principal.
I 'm trying hard to pay the principal down as fast as I possibly can to reduce the interest I 'm losing. My reg payment is {$310.00} ( roughly {$240.00} principal, {$69.00} interest ), but I recently starting paying {$800.00} each month through auto bill pay with my bank ( XXXX ).
I called BMO and asked why I see two regular payments and one curtailment related to my XX/XX/XXXX payment of {$800.00} and I 'm told " there was a policy change. '' BMO now takes what was the curtailment amount and applies it to the next month 's regular payment ( which includes interest not yet accrued ) if it 's equal to or greater than the regular payment amount due.
Then, I asked to change this configuration/setting/preference back to the way it was, and I was told it 's not possible. I was told I 'd have to call in every month to tell them how to apply the payment ( all overage to principal ).
*My bank does n't allow me to send a memo with my payment that would designate how to apply the payment, and BMO 's online banking will not allow me to designate that either. I was told I could use chat or call in if I wanted it changed.
Though the rep said this was a policy change, I 'm wondering if BMO ran analysis of some kind and discovered that I had increased my monthly payment which prompted them to start using my money without my permission so they could milk every last penny out of me by gaming the interest when they delay my payment to the next month?
I asked the rep to submit a complaint stating the change is unethical and immoral. I believe this practice is an attempt to exploit consumers and manipulate the system to BMO 's advantage, even if it 's a few cents at a time.
|
| 03/26/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
I have a PUA claim/file that was put on an Integrity Hold due to possible fraud on XX/XX/2021. I filed the appropriate report with XXXX XXXX fraud department.
Once benefits were resumed for the PUA program, I applied to have my account reverified and for benefits to resume. XXXX did reverify and reopen my claim. I submitted 11 weekly certifications dating back to XX/XX/2021 to XX/XX/2021. Payment was processed for those weeks and payment was made on XX/XX/2021. On XX/XX/2021 I still had not seen a deposit come through for any of those weeks to my bank account - from the very beginning of my claim being active, funds had been direct deposited to my personal account.
When I went into my dashboard to investigate, I discovered that someone had accessed my account and entered routing information and an account number for direct deposit that was not mine, as well as changed the tax withholdings to {$0.00}. The financial institution was listed as " BMO HARRIS BANK , N.A . ", account number ending in " XXXX '' and routing number " XXXX ''. The total amount processed and deposited to this incorrect account was {$7700.00}, on XX/XX/2021 via direct deposit.
I immediately contacted BMO Harris Bank to solicit their assistance with putting a stop/hold on these payments, reversing the deposits, or any suggestions they had to remedy this issue. Clearly their bank was complicit in moving and disbursing funds that were fraudulently allocated. However, I received no such assistance. I was told that despite proving I have NO account with their institution, under my name or SSN, they could not put a stop/hold on the deposits or put any sort of a flag based on the account information I was able to share. They offered no practical solution beyond telling me to call CDLE and file a police report, and wait. Needless to say, there is a lot of time being lost while I make such calls without any action on the part of the bank through which these funds are being illegally obtained and moved.
|
| 05/16/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
On Friday XX/XX/2020 at approximately XXXX, I had left my 2 way radio at the bank worth close to {$500.00} to establish a safe deposit box.
I was told the bank was closing, so just left it there to resolve the issue in the morning.
I noticed a man outside the bank on his cellular phone wearing a black suit.
I had reported the man to the bank corporate office for releasing personal information outside the bank.
I returned to the Bank on Saturday XX/XX/2020 and the female teller indicated that my personal information was released to the Sheriffs Department and my two way radio was given to them.
I was asked why I had wanted a safe deposit box, and I had indicated because my Grandfather used to Bank at the Bank years ago. I was only aware that this location had a Safe Deposit Box.
I did not give anyone permission to release my property, nor personal identifiable information to the public.
I had asked the teller if she could get it back from law enforcement for me, but she refused to help.
I asked for the managers card.
The managers card indicates his name is XXXX XXXX with a NMLS : XXXX I am very concerned that this bank may be releasing information about other wearily families like mine to the public. Especially if this Bank is outside the bank talking on a cellular phone and showing property that is supposed to be in a safe deposit box.
I know a guy named XXXX XXXX who is a XXXX XXXX and he has an account at this bank too.
It would be good to find out if us wealthy people are getting our accounts compromised by this Bank, because this bank even lets people open accounts, that do drug activities.
I ask that you please inform this bank on all the laws a financial institution is supposed to follow and get my equipment back to me, instead of compelling me to go to the Sheriffs department myself.
This is completely incompetence and illegal on the banks behalf. Whoever is responsible for this branch should be terminated for these types of practices.
|
| 07/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
We bank with BMO Harris, particularly the branch in XXXX, IL. On XX/XX/2023, I went to the gas station to buy gas and I discovered that my card declined several times even though I knew that I had {$800.00} on it. I called the bank, and they told me I have to contact the fraud department. I tried for two weeks to speak with a guy named XXXX XXXX, but it seemed as if he was ignoring me every single time I went. I went to the bank at different hours during the day, and there was always some type of excuse - he's on lunch break, he just left, he's not here today. I left him plenty of voicemails and he didn't reply to any of them until XX/XX/2023 informing me that he closed the accounts and stole all the money. I received a letter regarding my account that I received a check deposit for {$3400.00} on XX/XX/2023. A company named XXXX XXXX XXXX XXXX in XXXX, FL tried to deposit this check in my account and the bank accused me of fraudulent transactions. The return reason was - " not sufficient funds. '' I don't know where this check came from and why someone tried to deposit it in my account. On XX/XX/2023, XXXX actually called back claiming that there was another deposit made except for {$6500.00} this time. Meanwhile, I received NO proof of this happening and I could not see these transactions on the mobile app. On XX/XX/XXXX, XXXX called back and said he had to close the account because there were, again, " not sufficient funds '' after the second fraudulent transaction It needs to be said that I am on two accounts, and they froze and later closed both without giving me the money that was on there that was mine, which is almost {$3000.00}. If the bank FDIC insured, why is my money not protected? Because of this problem, I wasn't able to pay for the mortgage and assessment in XXXX and XXXX. This was money I lived on, I wasn't able to buy food either for me or my daughter. This bank put me in jeopardy and this reflects on my credit score. Please look into this, thank you.
|
| 12/20/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
In XX/XX/XXXX, through BMO Harris Bank, I closed a maturing HELOC loan and opened a new account. My balance at the time of closing my old line was {$0.00}. At closing of my new line, The bank added a balance of {$12000.00}, which according to them reimbursed my prior line for Flood Insurance of years XXXX and XXXX. I had NO information nor detail regarding this at all. I was told to send them my flood insurance certificates for those years and they would reverse the charges ( The collateral is in a high rise 90 unit condo in Florida which mandates flood insurance by law ).
I subsequently sent the noted certificates and received a credit if {$3600.00} from BMO 's third party servicer, but was notified they needed additional certificates for years XXXX, XXXX and XXXX to receive a credit for the remaining {$8800.00}. I forwarded them the requested additional certificates and was then told by the servicer ( XXXX ), that they did not service the account for those years and could not process the credit. From there, both the servicer nor BMO Harris has refused any assistance, nor accepted that there is an outstanding issue.
They have told me the remaining amount of {$8800.00} is a valid charge without acknowledging the prior position of refunding me upon the submission of the insurance certificates. They also have refused to offer any background ( breakdown ) of ANY of these charges.
I received no notification of flood insurance certificates requirements because the bank had the wrong mailing address for the past years. No monthly emailed statements showed no owed balance either over those noted years. This is for five years and no one even called me about a issue that was NEVER communicated to me prior to just taking this money from my line.
I will be happy to submit all coorespondence related to this matter. I also appreciate any assistance. Also to note, I have been required to pay interest of this outstanding balance while I have been requesting this review.
|
| 08/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened a checking account with BMO Harris Bank on XX/XX/2023 ending in XXXX with {$100.00} in initial funds.
I deposited my payroll check of XXXX on XX/XX/2023 after a failed ACH payment via mobile deposit. I received a deposit received and deposit approved message on XX/XX/2023.
I received a voicemail from an XXXX, supposedly from the fraud department, ( XXXX ( XXXX ) XXXX ) on Friday, XX/XX/2023 at XXXX XXXX Central advising me to call him back in regards to the account. I tried calling back at XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX the same day and it goes straight to voicemail. On XX/XX/2023 I learned my debit card and online banking access had been disabled. I called the number on the card and was advised to wait and call on Monday by the rep so I can talk to the fraud department. Due to one missed phone call, I can not access my account for over 3 days.
On Monday XX/XX/2023, I left XXXX a voicemail at XXXXXXXX XXXX Central. I also called the XXXX number on the card to see if I can talk to someone in the fraud department. I was on hold for over 45 minutes and when I called the XXXX number and refused to be transferred, I was told they can not contact XXXX. I was told I can go to the branch to close my account.
I went to the branch located on XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and spoke with XXXX XXXX and was told she can not contact the fraud department and she can not close the account so I can get my paycheck. I asked to submit a formal complaint and after some time was told feedback had been submitted. A copy was not provided to me, therefore I doubt if anything was actually submitted.
In response I am hoping the CFPB can get a hold of someone at the bank who can resolve the 'fraud ' issue and release my account. I will then likely close my account out of frustration. There is a clear sense of incompetency and red tape that will tie up the consumer out of their hard earned money and I advise consumers to avoid banking with BMO Harris Bank.
|
| 04/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
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.
|
| 09/17/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
On XXXX XX/XX/2018, I opened a BMO Harris Smart Advantage checking account. I opened the account online, which stated that the relevant promotional code would be " automatically applied '' if I " applied online now ''. This wording still persists on their website : https : //www.bmoharris.comXXXX Per the terms of my promotion at that time, I was to receive a {$200.00} bonus after ( 1 ) making two direct deposits of {$500.00} or more within 90 days of opening the account, and ( 2 ) ten debit card transactions posting to the account within 90 days of opening the account.
I am eligible for the bonus : - Both of the two direct deposits of {$500.00} posted on XXXX XX/XX/2018.
- All ten of the debit card transactions posted on XXXX XX/XX/2018.
- 120 days have passed since opening the account.
I have attempted to resolve this myself several times : - I spoke with a representative on Monday, XX/XX/2018. I was told to call back at the end of the week.
- I spoke with a representative on Friday, XX/XX/2018. I was told to call back at the end of the week.
- I spoke with a representative on Monday, XX/XX/2018. I was told that the promotional code may not have been attached to my account. I told them that their website said it was automatically applied, but the representative insisted this did not matter. I was repeatedly asked for this automatically-attached promotional code ( which I eventually did find in an old email ).
I was also told different terms for the bonus ( saying I needed {$600.00} direct deposits instead of {$500.00} ). I was told there was no qualifying activity on my account when this was clearly not true. In short, I felt like the representative was just saying whatever she could to get me to acquiesce.
I have met the terms set forth in the opening promotion for this BMO Harris checking account, and as such I am eligible for the {$200.00} bonus. BMO Harris is engaging in deceptive business practices by refusing to honor their own terms.
|
| 01/05/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Background : My father had a checking account with BMO. I was added to the account when his health got bad. He passed away in XX/XX/XXXX.
As part of closing the account I was transferring funds out of the account but keeping it open as I was trying to track any bills/benefits/accounts he had connected to it, but had withdrawn much of the funds. Had an unexpected charge from his closed cable account which put the account negative {$130.00}.
I contacted BMO through online chat on XX/XX/XXXX to ask how to close the account properly. I was told to transfer in funds so it was a XXXX balance, and then I could close it through online chat again.
That same day I initiated a transfer using BMO 's website. I received an email confirmation that the funds would be pulled from my XXXX account to BMO. BMO sent an email saying the funds were taken from the XXXX account on XX/XX/XXXX and would be available in the BMO account in another day. On XX/XX/XXXX, BMO sent an email saying the funds were credited to the destination account as of XX/XX/XXXX.
The Issue On XX/XX/XXXX, I logged in to contact chat and close the account. I saw BMO had closed the account on XX/XX/XXXX, but stated it was closed with a negative balance and money owed, and they sent derogatory information to XXXX.
I contacted online chat who refused to assist me saying they could not verify my identity, though just 10 days earlier I had communicated with them in the exact same manner.
I then spent 45 minutes waiting on hold to explain the situation to a customer service rep, who put me on a hold for a long period, and then told me I had to talk collections.
She forwarded me to the collections dept, which is just a voicemail box that tells you to leave a message and they will contact you back in 24 hours. I left a message with my contact info and explanation. Three days later I have received no response. If I log into the account it still says closed with negative balance sent to XXXX.
|
| 11/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XX/XX/XXXX Received letter from BMO Harris Bank stating they engaged XXXX XXXX XXXX XXXXXXXX as the Loan Servicing Dept for BMO. They advised if mortgage payments are through Internal Transfer, which mine is, to update on after XX/XX/XXXX. I updated on XX/XX/XXXX.
XX/XX/XXXX I received a letter dated XX/XX/XXXX on BMO letterhead stating I owed {$920.00} for my XXXX payment and XXXX payment, both payments were made internally through BMO on the XXXX of each month.
XX/XX/XXXX I called and spoke with XXXX who advised she did see my XXXX payment but did not see XXXX 's payment. She transferred me to supervisor XXXX who had me send PROOF OF PAYMENT to their Cashier Dept email. Since this is internal transfer from the bank I sent my bank statements showing transfer for XXXX and XXXX both were internally transferred out of my account on the XXXX. XXXX advised after I emailed I would be contacted within 7 days.
XX/XX/XXXX I was never contacted by BMO or servicing Dept XXXX so I called and got another supervisor XXXX. XXXX advised they did received my email of proof and all was resolved and my loan amount changed from XXXX to {$460.00} in XXXX so I would just pay the difference.
XX/XX/XXXX Never received letter so contacted BMO servicing dept XXXX again and spoke with XXXX. XXXX advised I owe for XXXX .... so we are back to square one. Transferred to Supervisor XXXX who advised yes I owe XXXX they do not see XX/XX/XXXX payment and it would be resolved by XX/XX/XXXX XX/XX/XXXX Spoke with XXXX who advised I owe now for XXXX and XXXX ... asked for Supervisor and got disconnected.
Since BMO was to transfer all information to the Servicing department on XX/XX/XXXX they dropped the ball and apparently did not send my data .... however, BMO Bank just keeps sending me to the Servicing dept who keeps stating I owe for two months when this is and has always been an internal transfer from my account to the Mortgage Company through the BMO Banking System.
|
| 02/04/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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I was a customer of BMO HARRIS BANK, and my account had a positive balance and at the time, I was a server, so there was always cash deposits being made if it was to ever reach a low balance, I would make sure any bills were paid and covered. My account was compromised in 2018 while I was at work, having had my XXXX being hacked, so I went through data and financial loss. I had no idea what the extent was, but I do know that that BMO locked me out of my account and then had some activity on it post that I was not aware of. I reached out several times and wondered how and why this could happen, if I was locked out of my device and when I logged in on my computer I saw the activity. I could not dispute it, or even reach personal that could help me and I was devastated and took a loss on my credit, my bank account and financial security. I dont know why this happened and it has been something I wish I could have had a resolution to sooner. And so here I am now, years later, knowing more about how to protect my device and financial security. But I am beyond dissatisfied and disappointed with how BMO handled this. They locked me out of my account and funds, and then did nothing but say there was activity on it that was deemed fraudulent and my account had a balance. I was not able to file a dispute a claim anything and it was the most trauamautic financial thing I had to deal with since. Because since then Ive felt like I was that criminal who actually gained access to my account and locked me out and had BMO treat me like I was the one benefiting from that and that was not the case. I hope this gets to the right team and is addressed, because if BMO failed to have my back on app security at the time, and I had Face ID and would always change my passwords if I felt my phone or app was potentially at risk from something that appeared on my phone or a random pop up showed upto say this incident truly had a negative effect on me is an understatement.
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| 01/11/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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My Mortgage with XXXX was sold to BMO Harris Bank in XXXX of XXXX. I have never had an escrow account as part of my loan agreement as I originally paid 20 % against the sale value of my house. After my mortgage was transferred I continued to pay my monthly payments as usual until I received a statement in XXXX of XXXX where it indicated that BMO Harris paid my year end property taxes and Homeowners insurance. On top of that they paid XXXX dollars more against my property taxes then the actual cost. All property taxes were current and on top of all this I had paid my property taxes and Homeowners insurance as well. BMO Harris never told me nor should they have ever paid my taxes or homeowners insurance. As a result of BMO Harris paying my taxes and insurance they have now issued me an adjusted statement stating that my escrow account is {$26000.00} in arrears and that they are adjusting my monthly mortgage payment to address the escrow shortfall. My new monthly payment would now be in excess of {$6700.00} per month. I have been in contact with both their customer service department and Escrow department continuously for the last two months. They have freely admitted that when they took over the mortgage account that they set it up in their system incorrectly which resulted in their paying out of an escrow that does not exist. They keep telling me that they are going to fix it and get their money back from both the XXXX and insurance company. My mortgage payment is out withdrawn from my bank account around the XXXX of each month and as of XXXX XXXX, XXXX they started withdrawing the {$6700.00} from my account which now has created serious financial difficulties for me. The bank is in breach of their fiduciary responsibilities and perhaps other laws that I am not privy to however I need this remedied. BMO Harris has been woefully non responsive in trying to resolve this and it would appear they just keep putting me off. Next step is legal.
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| 11/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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To whom it may concern, I am writing to formally dispute the presence of the BMO BANK N.A. account on my XXXX report, as referenced under XXXX XXXX XXXX; XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The account is associated with the name XXXX XXXX and the address XXXX XXXX XXXX, XXXX, TX XXXX, with the reported XXXX XXXX.
Account Details : - Date of Closure : XX/XX/2021 - XXXX/ACCT # : XXXX / XXXX - Original Charge Off Amount : {$9100.00} - Closure Status : UNPAID - Closure Status Date : XX/XX/2021 Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), I assert my entitlement to a precise and equitable representation of my credit history. This statute imposes an obligation on information furnishers, such as BMO BANK N.A., to furnish accurate and complete information to consumer reporting agencies.
I challenge the accuracy of the reported information and dispute the veracity of the debt in question. Additionally, I request that, in accordance with the FCRA, a thorough investigation be conducted into the legitimacy of this debt. I seek assurance that, beyond any prescribed investigative timeframe stipulated by 15 U.S.C. 1681s-2 ( a ), if applicable, the contested account will be promptly removed from my XXXX report .
Furthermore, I request validation of the debt in question. Kindly provide comprehensive documentation verifying the legitimacy of the reported account, including details on the original charge off amount and pertinent closure information. I have enclosed the following documents, -Current Utility BILL -Current State ID -Current SSN I am cognizant of my rights under the FCRA and anticipate that XXXX XXXX will undertake a diligent examination of this matter, adhering to the statutory provisions. A prompt written confirmation of the investigation 's outcome, as well as the removal of this account from my XXXX report, is earnestly requested.
Thank you for your prompt attention to this matter.
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| 06/21/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
Older American |
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On Wednesday, XX/XX/2022, I discovered that my Bank ( BMO Harris ) had cashed a check against my account in the amount of {$5100.00} on XX/XX/2022 which was payable to XXXX XXXX. I had written the said check ( # XXXX ) on XX/XX/2022 for the amount of {$20.00} payable to XXXX XXXX XXXX XXXX XXXX XXXX. In looking at the copy of the cancelled check it was obvious to see that all the details had been altered, date, payee, amount, and my signature. I was told that I needed to file a police report ( because of the amount of the fraud ) and that the bank could not begin an investigation until they had the report. I filed the report and the bank received a copy of that report on Friday, XX/XX/XXXX. I was told that an investigation would take between 30-45 working days and that " day one '' began when I reported the fraud which was XX/XX/XXXX ) Further communication with the bank manager has been poor. I feel there has been limited communication and I only learn things when I call them. When I talked to the branch manager on XX/XX/XXXX, that I anticipated my money being returned on XX/XX/XXXX ( 45 working days from initial complaint ) ; I was told the following, " she misspoke about the 45 days and that the fraud department would now need 60 to 180 days to determine the outcome of my fraud investigation. '' I expressed my displeasure at hearing this news and asked why the bank continued to move the goalpost on returning my money. I was told that it had to do with the amount of the fraud. I called the main BMO bank in XXXX and repeated the details of my story to their customer service department. I was told that my conversation would be shared and listened to and that my situation would be rectified. Needless to say nothing has been done. I am still waiting for the money ( {$5100.00} ) to be returned to my account. I am tired of waiting and I hope by filing this report that something can be done to return my funds to my account immediately.
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| 06/21/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Money was not available when promised
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Web |
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XX/XX/2023 I went into Bank of the West, XXXX, California branch. I submitted for a wire transfer in the amount of {$8000.00} to XXXX XXXX XXXX XXXX in XXXX, XXXX, XXXX. My XXXX was to receive the funds within a couple of days as he has many times before. I was called by Bank of the West a few hours after my transactions to return to the bank and resubmit my wire transfer. I was told that the teller entered incorrect information and I needed to sign corrected paperwork. The teller had misunderstood my request to send the wire in USD instead of XXXX Pesos. I returned on XX/XX/2023 to sign off on the corrected wire.
From prior experience with wires, I was expecting the money to be available in XXXX by Monday, XX/XX/2023, but it never arrived. I was advised to wait until the documented wait time of XX/XX/2023. It never arrived.
Since then, I have been working with Bank of the West, XXXX, Branch XXXX, XXXX XXXX. To this date all I have been told is that the person investigating the complaint in the wire department is waiting for an email/phone reply from XXXX. I have called and visited my local branch multiple times a week. The last visit was today, XX/XX/2023. Per my request, XXXX XXXX assured me he would forward my case to his higher up. His regional XXXX.
On XX/XX/2023, l also called the number provided in my Bank of the West wire receipt for disputing errors. XXXX. I spoke to XXXX. XXXX referred me to my local bank branch and said she would also forward my complaint to regional.
In XXXX, my XXXX has spoken to the receiving bank, but we hit a wall there as well. They claim they have XXXX evidence that our transaction exists and that we should take it up with Bank of the West, the debiting bank. XXXX ( XXXX XXXX XXXX XXXX ) bank number in XXXX is XXXX.
Please help us. {$8000.00} is a large amount of money to me and my family. I don't understand why it is so difficult to get any solid answers. I'm desperate for help. Thank you.
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| 04/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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In XXXX, XXXX I had my accountant try to create an amortization schedule to match the loan monthly payments on an RV that I purchased. He was unable to so I called the bank. The first call was XX/XX/XXXX. The bank refused to discuss the loan and said I had to go to the dealer that sold me the vehicle. Between XX/XX/XXXX and XX/XX/XXXX, I made 6 calls to the dealer and three to the bank none were ever returned. Two additional calls that made where I manage to speak to someone at the bank customer service yielded no amortization schedule or any additional information. On XXXX XXXX XXXX I made my first payment and the ENTIRE amount was applied to interest. It turned out that the loan ( not known to me ) was a simple interest loan. I found this out In my conversation with the bank on XX/XX/XXXX, XXXX ( the customer service manager ) told me that the first payment was 45 days long. They did that so ( as he said ) I had time and money to register the vehicle. I did not ask for that time and the result was that I was charged an additional {$750.00}. in interest. Then in XXXX I paid extra money against the principal. The payment was made XXXX.The bank did not apply the principle to the loan until AFTER they calculated the interest for XXXX. That means I was charged interest on a the {$400.00} I paid towards principal. XXXX admitted that " yes the bank makes more interest this way but that is what we are business for ''. Now that the loan is fully in effect BMO Harris Bank is willing to send me an amortization schedule, XXXX said he would even wave the {$10.00} fee ( yeah ) .He further told me that I should have looked at the truth and lending statement. I said who would sit down and try to calculate the interest on a 20 year to make sure it agrees with the tota shown on the truth and lending report. I believe that the 45 day period on the first payment is to cover the money XXXXXXXX XXXX ( the seller of the vehicle ) gets form the bank.
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| 01/18/2024 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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In XXXX XXXXXXXX acquired Bank of the West, who was the originator of the loan for my XXXX
In XXXX, I received a letter from the BMO collections department threatening action for delinquent payments.
On the XXXX of XXXXXXXX XXXX I spent all morning talking to various BMO representatives and explained to them that I had never missed a payment on this loan, and in fact had always deliberately overpaid each month, so in fact I was overpaid.
I also explained to them that their app shows that I am current and my next payment was not due for another month.
Details : XXXX, began chat with XXXX, then was transfered to XXXX, who promised that her manager XXXX, would contact me. I was placed on a long hold, and then was told XXXX was having technical issues and would have to get back to me later. ( To this date, XXXX has never contacted me, nor anyone else from BMO ) I explained to XXXX that BMO has obviously lost payments during their acquisition of Bank Of The West, and she acknowledged that yes, many customers are having this problem.
BMO opened a payment investigation ticket # XXXX, to resolve this error.
I then asked to be transferred to IT support to report the bug in their app that is showing that I was not delinquent, and my payment was not due for another month.
Ar XXXX, I was connected to XXXX, then transferred to XXXX who opened support ticket # XXXX to research the bug.
During my first phone call, I emphasized to XXXX that BMO would face consequences if they impacted my credit report, and she literally said not to worry about that, that will not happen.
Anyway on XXXXXXXX BMO did file a negative report with the credit unions, and I am writing to understand my options.
Afraid that this would happen, I had deliberately paid the payments BMO reported delinquent, and will prove to the bank at the end of the loan that fact.
Now, 2 months later, I have not had any communication from BMO regarding this issue.
|
| 04/21/2023 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Problem accessing account
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Web |
Older American |
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XXXX Tried to access digital banking from home computer. Got error message that information provided was incorrect. Attempted again being careful to enter correct credentials. Again got error that information was not correct. Attempted couple more times but was unsuccessful.
Contacted digital banking support number. Initial troubleshooting attempts were unsuccessful. Was told that happens sometimes and to clear browser cache as well as reboot computer. Both did not rso.ve the problem. Ask for someone else to talk to. Said try again another day. Asked for someone else. Repeated same deeps but still failed. Asked for a manager or supervisor. Got access only if I changed my password. Logged out and tried to login using new password. Same problem as before. Only if I change my password can I get into my account. Changed it 3 times but when attempted to log back in it fails.
XX/XX/XXXX Still having problem. Went to branching and talked to a banker. Was able to login using their computer. Told me must be an issue with my computer. Have no problems with accessing any other financial sites.
XX/XX/XXXX XXXX a call from VP of the branch. Told me it is my problem. Tried to contact the last person I talked to on XX/XX/XXXX but could not reach him. Later VP called me saying they had a major update the previous week and some people were reporting problems. Said I should use my mobile device or Chrome browser on computer. VP said he would contact me when it is fixed.
XX/XX/XXXX Contacted VP of branch as to the status. Told me it only affects some people and I should just use my mobile device.
It is difficult to view my statements on a small screen. As this bank " encourages '' customers to use digital banking I would expect that they should address technical issues and not limit customers to only use one type of device or software. Issues like this should be addressed and not try to blow off customers, especially long time customers.
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| 02/27/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Cashing a check
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Web |
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My company had several business checking accounts with BMO Harris from XXXX - XX/XX/XXXX. We switched to another bank due to better interest rates.
My accountant noticed in XX/XX/XXXX that one of our BMO checking accounts cleared the same check number XXXX twice for two different amounts in XX/XX/XXXX. The check in the amount of {$1800.00} was issued by our company. However, the check for {$5000.00} was not ours. I immediately went down to my old branch and spoke with branch manager XXXX XXXX XXXX. She pulled both check images and immediately recognized that the {$5000.00} check was a fraudulant check. It did not look like our other checks, our business name was spelled wrong, it was signed and made payable by names not associated with our business at all. She admitted that it was indeed a bank error, that we should've been notified at the time of the duplicate check number. She said to get a police report and come back and fill out a fraud affidavit, which I did. She said the money will be put back in my old account within 30 days. I called her 5 weeks later and she said she'd call me back. She called me back and said her request was denied because I did not file a complaint within 90 days. She also said that she would not be able to get decision over turned because I was no longer a customer. I asked for her boss ' info. I then spoke with XXXX XXXX XXXX XXXX XXXX who also admitted that this was clearly a bank error and that he would contact his superiors for a refund. I called him 10 days later and he said he had bad news. Because I did not report the fraud within 30 days that I was responsible for the fraud. He said the same thing as XXXX that because I was no longer a customer he would not be able to get the decision over turned. I asked for his boss ' info. He said he would email to me but never did. I have never had any fraud issues with BMO in the 8 years I was with them. This was the first and only issue.
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| 12/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
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Web |
Older American |
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We took out a mortgage with BMO Harris Bank N.A . # XXXX on XX/XX/XXXX. We have never been late or missed a payment in over 20 years. In fact, we have aggressively overpaid {$400.00} each month on average for over 20 years. Additionally, in XXXX and XXXX we doubled our monthly payments several times.
One year after obtaining our mortgage, XXXX, our house was destroyed by Hurricane Charlie and we were informed our insurance had lapsed for nonpayment of premium by BMO Harris. We had to sue BMO for intentionally slow payments to our insurance company. At the time BMO had our money in escrow but was playing a float game according to Florida Governor XXXX XXXX. We were out of our home for 3 years while pursuing BMO which put us behind in obtaining a contractor. During those 3 years we never missed a payment.
Since the hurricane of XXXX we have had Hurricane Ian in XXXX repeat the same path as XXXX. We continue to make our payments plus additional principal reduction amounts.
BMO has refused to provide the complete payment history of our mortgage. BMO has used multiple servicing companies for our mortgage and refuses to insist on their cooperation. We have paid ahead over {$90000.00} in an effort to satisfy our commitment before our retirement which was 7 years ago.
BMO confirmed to us at our closing on XX/XX/XXXX that their recast feature was exactly what was in place to ensure we could substantially reduce the term of our note. We have repeatedly requested our payment history to no avail. We hired an attorney who tried multiple times to obtain the information but to no avail. Our attorney advised us that the only course of action was to sue BMO but advised us it would cost thousands and potentially take years because BMO would have their attorneys delay until we ran out of patience or money.
Please advise us what our course of action and next steps should be to proceed.
Sincerely, XXXXXXXX XXXX XXXX XXXX
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| 11/30/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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I have {$500000.00} in a high interest rate online savings account with BMO XXXX. I initiated a transfer of {$250000.00} from this account to another institution. On XX/XX/XXXX, BMO locked my account for fraud detection. I understand the reason for locking it. However, my account has been locked for nearly five weeks with zero communication from the BMO fraud department. I immediately called the online savings phone number on XX/XX/23 ( XXXX ) to notify them that the transfer was indeed initiated by me and not actual fraudulent activity. They gave me the fraud departments phone number ( XXXX ) to call to handle it with them. For the past 32 days as of the date of this statement, I, as well as my wife, have alternated calling this number countless times trying to get through to the fraud department. When we call the number, the BMO recording comes on and we sit on the call for about 7.5 minutes before a recording comes on saying the voicemail is full and to try our call again later and then disconnects. Both my wife and I separately have explained this to the customer service line and they tell each of us to just keep calling until we get through. One representative told my wife that he would give the fraud department my name and number and that they would be calling. I have yet to be contacted by the fraud department. Both my wife and I have made attempts to speak to a manager in the customer service department to escalate this issue. Each time were told there is no manager available and to just call again later to see if a manager is available at another time. I even went into a local branch trying to get help. No one either can or they won't help. So, what do we do? I can't even close the account because it's locked for fraud. And why has BMO not taken the initiative to contact me about suspected fraudulent activity like other banks do? BMO is fraudulently holding my money against my will. Or they've stolen it.
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| 08/10/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Closing an account
- Funds not received from closed account
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Web |
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On XX/XX/2023, I closed my CD account with BMO Harris Bank via online support. The amount of the account was {$34000.00}. I was told that it was banking policy to send customer funds on closed accounts via regular mail. Note, when i opened the account, BMO Harris Bank allowed electronic transfer into their bank but not fund transferred out.
After ten business days from the date of closing and check issuance of my proceeds, i still had not received the check. I called customer service and told them of the situation. After validating my mailing address, they told me it would take longer. In the several times i called customer support i received three different answers as to my check delivery time period.
After three weeks, i called customer service and stated that i had not received the check for my proceeds. The BMO Harris bank customer service agent proceeded to send my via email a lost affividavit form that i had to get notarized and submitted back to the bank.
When i read the cover letter, it stated that it would take 90 days from the original issue date before they would remit another check unless i obtained a surety bond. A surety bond costs between {$800.00} - {$1400.00} for the amount of my proceeds to obtain. Given the high cost of the bond, i sent back the notarized affidivat form XXXX XXXX and a return XXXX XXXX label ( at my expense ) so it would not go regular mail. ( I was told unless i provided a XXXX XXXX account number, they would not pay for an express delivery. ) I asked if they could wire the money to me instead and was declined. Given their stringent policy about using regular mail to delivery customer account funds, there is nothing i can do to speed up the process.
Lastly, by the time i finally receive my funds, over 90 days will have passed, no interest earned by me, and incremental costs for shipping and notary fees incurred ). Thank you in advance for looking into this issue.
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| 12/29/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I am going through XXXX XXXX at the moment and have been getting donations for my benefit. I had a gentleman call me explaining how he lost his wife to XXXX XXXX and his daughter is a XXXX XXXX survivor and wanted to donate. He asked me if he could mail me a check. He did not say an amount but did say it was coming from his beneficiary lawyer. I was a little skeptical but thought I would just open up a new bank account to avoid any funds being taken from my original bank account. I opened an account with BMO and gave this XXXX XXXX he called himself the routing and acct # 's for the lawyer. On that exact first day I opened that account and gave him that information there were emails coming to me with login issues. I called BMO right away to make sure no one was in my account and the lady said there was no issues. About a week later the check showed up in the mail. It was larger than I thought he would of sent but I thought maybe with both his wife and daughters issues he was being generous. I deposited the check knowing that I wasn't going to use right away because I'm putting together a benefit for cold capping and if there was an issue with the check BMO would let me know. Well this guy already was hacked into all my accounts. He online deposited XXXX checks into my BMO account and withdrew all {$5000.00} the bank approved before clearing the check. BMO has done the investigation and is now telling me I am responsible for the loss and owe them {$5400.00}. I don't know how they can not see the device used for the XXXX online checks is not mine. This hacker also got into my credit card account and maxed it. Then proceeded to make a payment from an account I have no idea where its from to pay it off. My credit card has completely settled everything on their end but BMO told me its my fault because I deposited the check. Is there something I can do to get this solved? Please let me know what my options are.
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| 07/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
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Web |
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Our company bank accounts with BMO Harris Bank were all closed XX/XX/XXXX. I stopped into the branch to make sure that all accounts had {$0.00} balance and that cash balances were transferred to our new bank account with XXXX XXXX ( XXXX ).
I have an email asking to confirm that all accounts are closed.
Almost a year later, we received a call from a collection agency stating that our business credit card has a transaction that occurred that generated significant amount of interest. I thought the transaction was fraud and stopped by my local BMO branch to notify them.
The branch stated that the BMO Business Credit Card was never closed by their employee and that a XXXX renewal membership of {$65.00} was ran on the card. I agreed that the XXXX membership is ours, but the card was supposed to be deactivated, making it impossible for any auto pay vendors to process it.
I agree to pay the XXXX fee plus the interest to be done with it and then verified with them at the branch that it was paid in full and the account is closed.
Today ( XX/XX/XXXX ) I received a call from a collection agency on behalf of BMO stating that we have an outstanding balance of {$460.00} due.
This is ridiculous. I stopped by the branch again and asked them to waive the balance. They explained that the account is in fact closed, but I have to discuss the balance with the credit card company. I try calling the credit card company and it just ends the call.
I am being run around in circles for accounts that we tried to close out almost two years ago. I am being punished on my credit report and with a collection agency because a BMO employee failed to do their job. I have made no purchases with these cards as they were shredded the same day we closed our accounts. We do not receive any paper statements in the mail from them because they will not update our new business mailing address and our online account with BMO is locked.
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| 09/18/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
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BMO took over Bank of the West. On XX/XX/XXXX the transfer was complete. Around XX/XX/XXXX I went online to establish my account with BMO I received an error message. I called and the agent was able to clear the error. I went to the next step to verify my bank information and they requested the user name and password of my bank to verify my account. Not happening. I spent 3 days using their XXXX alternative to verify my account. Each day I receive error messages. I finally was able to verify my account.On XX/XX/XXXX I received an email that my phone number was taken off my account. I again called BMO was told the agent had no access to my account. He could not or not explain why. I asked to be transfered to someone who could access the account. I finally was connected to a person. She explained that my account was shut off because they request a driver license verification. In this process, I could no longer access my account. I never recieved that by email or bank message. I requested that they mail through the Post Office the driver license request and a payoff bill. I was told they could not send me a driver license verification through the mail. She also told me if I sent a check in the mail that no one could access my account. Today XX/XX/XXXX I have access to my account for now. In between all these conversations I was being told that I would need to go to my local branch. I live in XXXX the local branch to me is XXXX XXXX XXXX. I was told also when I called The XXXX toll-free number that they could not help me because I am in the US. So XXXX is not an option. All I would like to do is to make sure that my BMO account is active. I am taking a personal loan from my bank to payoff this loan if I get the mailings. I just want to pay this off. I do not want my credit score to be effected, I worked hard to get it where it is at. In XXXX years I have never had this type of issue. Please help Thank you
|
| 09/15/2023 |
Yes |
|
- Closing on a mortgage
- Changes in loan terms during or after closing
|
|
Web |
|
|
I have a mortgage with Bank of the West ( now BMO ) recently bought in the last week.
During COVID I applied for mortgage forebearance through the CARES act. My payments stopped I believe for approx 1 year. When I started regular payments again I was told that I had to sign some papers with HUD and that the amount that was not paid during that year would be tacked onto the back of my mortgage.
I am in the process of trying to get a HELOC with another bank right now and for over a month we have been trying to find my actual principal balance on my mortgage. HUD stages that I owe them {$10000.00}. That they dispersed those funds to BMO ( Bank of the West ) at that time to be applied as they see fit to my mortgage to cover my forbearance. They have confirmed that for me in writing and with a payoff letter. I have requested mortgage statements from XXXX, XXXX, and XXXX as well as the documentation breakdown of how they applied the {$10000.00} ( that I owe HUD ) and was to be applied to my mortgage. Just glancing at the current balance of my mortgage, if {$10000.00} had been applied, it should show a lot less.
I am unable to access any of my records from BMO online at this time because they are still in the process of moving everything. However, the story they are telling me about the balance being tacked on to the back of my mortgage I owe them, is a completely different story than HUD is telling them. In fact, one is saying they gave my mortgage company money, and they other is saying they did not.
And my mortgage company ( bank ) can not readily provide me with even statements from past years so I can see if there is any obvious adjustments ( as there should be from HUD dispersing the funds ).
I need assistance. I met with the VP of BMO at my local bank yesterday in XXXX kansas and Im not getting anywhere fast. He sent some emails requesting information because they can not even pull up statements.
|
| 10/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
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On XX/XX/XXXX, I went to payoff my auto loan and so I called customer service. They told me that since the balance was over {$5000.00} that I could not pay it off. I asked for somebody else as that can not possibly be true then after getting a second representative they told me that they could not process payments of over {$5000.00} OVER THE PHONE. So I asked what my other options were given the " over the phone '' limitation. The rep then told me that I could make these payments via mobile banking or go into a branch. At that point I did not live in an area with physical branches as the closest branch to XXXX XXXX Ohio is over XXXX minutes each way so I logged into mobile banking and on XX/XX/XXXX setup a larger payment that got denied and put my account on hold as you can see from the attachment below. Immediately after getting this message I called customer service ( as shown in the below customer service attachment ) and spent about XXXX minutes bouncing around people explaining what happened when I finally got to somebody that seemed to understand the issue and was working on it. I was told that the hold would be removed from my account on XX/XX/XXXX or XXXX. Nothing happened so on XX/XX/XXXX I reached out through the chat feature in XXXX Banking and that person told me that it would take until XXXX XX/XX/XXXX and that I would get an email saying it was taken care of. It is now XX/XX/XXXX and I have tried XXXX different times to get an answer on what is holding this issue up and BMO keeps extending the deadline to which they will get me a response. I am completely 100 % unable to make payments on my loan and I am good for the month of XXXX but at this pace there are only a few more weeks before the XXXX payment is due and I do not want to be placed in default for an issue that BMO Harris has caused and I have done everything in my power to remedy the problem through normal channels.
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| 03/27/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Bounced checks or returned payments
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Web |
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Around summer of last year ( 2017 ), me and my spouse had gone to BMO Harris to open a joint checking account in which we would pool together our funds for living expenses. Despite having known that we were both still XXXX XXXX at the time, the banker had opened a heavily fee-associated joint account for the both of us. Being XXXX, our account was not always well-funded, even though we had pooled all of our expenses together and used the account for rent and other heavy expenses. We soon found out that the {$35.00} NSF fee that had been continuously charged to us despite us not engaging in overdraft activities were piling up, and too much to bear.
One specific incident where the fee was charged and the transaction returned, however, has caused significant damage to my then-good credit score. Last XX/XX/XXXX, I had made a credit card payment of {$25.00} to XXXX XXXX XXXX, which was a very routine situation as I make 100 % of all my payments on time. The payment had even shown up on my XXXX XXXX transactions the next day. However, two days later, the transaction had been reversed by BMO Harris because my account was in NSF standing, even though I had intended to make a payment immediately. Instead of giving a 24 hour grace period like most banks, however, BMO Harris had reversed my last transaction. This in turn resulted in a missed payment with my XXXX XXXX credit card, an additional fee of {$35.00} f
rom BMO Harris, and a significantly dropped credit score. When I decided that the banking relationship with BMO Harris that I
had was too harsh for my situation as a XXXX, I had gone to a branch office physically to close my account, as XXXX XXXX had offered better financial buffers for XXXX XXXX. At that time, in an effort towards retention, the banker had told me that they could switch me to a XXXX account instead, though our accounts should have reflected our XXXX status from the start.
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| 03/06/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX I notified a merchant XXXX XXXX that I will not be renewing the policy with the insurer carrier. I also XXXX the automatic billing portion listed on the account. On XX/XX/XXXX I received the bill for {$790.00} that is unauthorized charge as the policy has been changed to my account anyway. I contacted XXXX XXXX and the response was that they are going to investigate the matter as they acknowledge receiving the XX/XX/XXXX phone call.
The same day onXX/XX/XXXX I contacted BMO Harris the card in the intention of disputing the purchase. As result I have dealt with a surely and completely unprofessional agent that made the process very difficult as well as personally insulting me ( addressing me by my first name basis several time ). As result of the " treatment '' I decided to cancel the card.
It is my impression that despite what I was told the BMO Harris is not going to process the dispute and it also refused to refund the rewards balance {$12.00} I have accrued as their card member by giving thousands of dollars of business tot hem. When I requested to be credited to my account in form of check I was told that it is not " how it is done '' and that the points will be forfeited.
It is also troubling that the bank doesn't protect its customers from unauthorized purchases such as this with the excuse in this case of being the " recurring '' purchase. The purchase was not authorized to be recurring and the bank failed its responsibility to protect me from unauthorized use of the card. Why the bank feels it doesn't need to contact the cardmember to verify the transaction is beyond me.
It is truly telling on how the bank treats its customers irrespective of whether they are in good standing or not.
This is not how anyone should be treated thus I will no longer use their services. I also cancelled my upcoming car rental in XXXX that was made using BMO Harris Card services.
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| 07/26/2019 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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The issue is with BMO Harris online saving account Platinum Money Market.
XX/XX/2019 I've opened the above mentioned account In terms and conditions there were no transfer limits published and i assumed that i'll be allowed to deposit or transfer funds as much as needed at any time ( subject to standard restriction 6 transactions per month ).
XX/XX/2019 i validated linked account and submitted initial deposit it happened to be limited to XXXX. Then i tried to make another transfer and learned that any deposit or withdrawal is limited XXXX per month. So obviously this limits liquidity and freezes funds. Given this situation I've double checked with BMO Harris if they limit transfers initiated by another institution and received the answer that no limit on deposit but online withdrawals are subject to the same XXXX per month limit. I've requested to return the initial deposit and close the account as they didn't disclose critical information on the account operation terms and this doesn't fit my needs of liquid funds with competitive interest rate. They didn't complete request and just advised that account closed within first 90 days is subject to {$50.00} fee.
In addition, XX/XX/2019 my funding account recorded transfer of funds to BMO Harris and as of XX/XX/2019 there is still no record of deposit at BMO Harris ( meanwhile the trial transactions for linking accounts go through the next day ).
The BMO Harris practice with this account is quite dishonest and predatory for consumers - a mouse trap, you put money and then it would take some time to get them back. There are accounts which operate in such way and they should be called CD. The transfer limits are not disclosed, meanwhile this information should be on the front page of the terms and conditions as this is essential information on the account and should be visible upfront before infinite legal disclosures.
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| 10/28/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
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Web |
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I enrolled in banking offer with a promise of {$700.00} when setting $ XXXX of direct deposit and keeping $ XXXX in savings for 90 days.
I was committed to using account but still had auto pays such as for home loans from other outside accounts. I was promised that I would be able to use XXXX to transfer to my other bank.
I did this without any issue the first two months. This last month a few days before 90 day seasoning period my checking account was blocked from XXXX transfers. I was only given option to do so from savings. I made the transfers I needed completed over 15 day period. It did not come to my mind that these XXXX transfers were exceeding a limit and the online site never disclosed prior to the transfer that you are about to go over a monthly transfer limit. All I knew is I needed to make transfers and they were not giving the option to do so out of my checking.
As luck would have it this triggered {$45.00} in fees which placed my account just under $ 10k so as to disqualify me from {$300.00} portion of the $ XXXX days before reaching 90 day threshold. Conveniently fees were reversed and representative I spoke to for over an hour on the phone assured me that you will not be penalized against offer as your average daily balance is over this. From my perspective it was they who blocked the checking for reasons beyond my control and in a busy 15 day stretch I had transfer using my savings to pay my mortgage and other creditors.
Of course they will not take responsibility for their error to block the checking and allow savings. If this was about a security concern then XXXX should have blocked from all accounts. I feel unscrupulous lead to the block in an effort to create the fees that would lead to the account to fall just below $ 10k days before it would qualify for added {$300.00}.
Please help correct this matter with BMOHarris Bank in XXXX.
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| 05/10/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
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Web |
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I took out a XXXX mortgage line of credit a number of years ago through XXXX XXXX XXXX Bank. I paid every payment on time. XXXX XXXX XXXX Bank was bought out by BMO Harris Bank several years ago. The line of credit loan continued as it had with XXXX & XXXX Bank. I continued to make payments on time, never falling short even one time. In the fall of XXXX I received a letter from BMO Harris bank stating they were discontinuing this type of loan and called the note due in XXXX XXXX. Even though we were very ill prepared to refinance, we took the fall to attempt to prepare our home and our finances for this transition. I went XXXX Bank to secure a mortgage to pay off my XXXX mortgage and the note demand from BMO Harris. When our home appraised for less than we hoped, we had to shift to a XXXX and XXXX mortgage.
We were able to secure a payoff on our XXXX mortgage with XXXX Bank. We requested and received a payoff amount from BMO Harris Bank, however after accepting our payoff check, they decided to add a very large fee and refused to release the note. I have contacted BMO Harris Bank several times in this matter and they insist on charging this exorbitant fee. Large businesses such as these have a big advantage over the general public. They can bully the average consumer like me since I have no resources to battle against them. I struggle from paycheck to paycheck while they simply expect me to fork over an additional {$900.00}. This is a predatory practice that should not be allowed. I have faithfully paid my XXXX & XXXX mortgage on time, every time to XXXX Bank since.
I do find it very strange that a company that I never seeked to do business with now has a stranglehold over my life and finances. To a normal middle class working family, this seems mighty unfair. I would appreciate some intervention in the matter.
Thank You XXXX XXXX XXXX XXXXXXXXXXXX
|
| 11/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I obtained a 1st mortgage ( via XXXX XXXX and a 2nd mortgage ( via Harris ) to purchase my property in XXXX. The second mortgage was a HELOC with a balloon payment at the XXXX year ( XXXX ). In XXXX, the loan matured and the remaining balance of roughly XXXX became due. Having never missed a payment and having always paid more than the payment amount, I applied to refinance the remaining balance. Since XXXX was reporting inaccurately to the credit agencies from XXXX until XXXX, my refinance of the remaining balance with Harris was denied. I still made monthly payments on the Harris account however, in XXXX the remaining balance was charged off as a bad debt. My credit accounts should reflect, " charged off, paying as agreed, '' but does frequently does not. Harris has been contacted regarding this issue at least twice, once in XXXX of XXXX and once in XXXX of XXXX.
In a letter dated XXXX in response to my letter to Harris regarding inaccurate reporting, Harris stated that they found that they were reporting inaccurately and would send corrected reports to the Consumer Reporting Agencies to reflect account reporting as charged off, paying under a partial payment agreement.
In a letter dated XXXX in response to my letter to Harris regarding inaccurate reporting, Harris stated that they found that they were reporting inaccurately and would send corrected reports to the Consumer Reporting Agencies to reflect Account reporting as charged off, paying under a partial payment agreement with all credit marks removed after the charge off date in XXXX of XXXX.
I applied for a mortgage loan in XXXX of this year. I am in receipt of a loan denial because Harris is still reporting an inaccurate charge off date and is not reporting that the loan was charged off and paying as agreed.
Please see attached letters from Harris, loan approval and loan denial
|
| 10/13/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
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Web |
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I opened a checking account with BMO Harris bank on XX/XX/XXXX. I opened this account in the XXXX XXXX, MN branch location. I brought with me a coupon for a promotion to open the account. The coupon and the bonus terms and conditions are attached to this file. The terms are that I will receive a {$200.00} bonus for opening a new account and setting up a recurring direct deposit of {$300.00} or more. The terms say that the bonus will be credited within 120 days. I contacted BMO Harris Bank and asked why my bonus was not credited. Initially, I was told it would be credited to my account within 10 business days. Later I was told that I did not meet the terms of the contract. I was told that I had an account open within the past year. This is not true. The most recent time I held an account, in any form, with BMO Harris, was XX/XX/XXXX. According to a BMO customer service representative, I closed that account on XX/XX/XXXX. The terms of the offer say : " Offer not available to existing BMO Harris personal checking account customers or those who have closed a BMO Harris personal checking account within the past 12 months of opening a new account as part of this promotion. '' Since I opened my new account on XXXX/XXXX/XXXX and closed my most recent previous account on XXXX/XXXX/XXXX, I did not have an account with BMO Harris for over a year, and during no part of 12 consecutive months. I have otherwise met the terms and conditions of this offer and as such, BMO Harris is in breach of contract. They have refused to credit the {$200.00} bonus to my new checking account after 120 days. I also feel that this is false advertising on the part of the bank, and has wasted some of my time and likely the time of its employees in researching this matter. I acted in good faith, met the terms of the offer, and expect the bank to hold up its end of the deal.
|
| 09/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
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|
On XX/XX/, I had opened an online checking account. I received a federal treasury check for my XXXX in the amount of {$8600.00}. This was the same day when BMO restricted access to my account. I called the BMO customer service asked them why a restriction on my account when I did a mobile deposit. I was told by customer service that I do have a daily amount of {$25000.00}, and no monthly limits. I was informed that the account is on freeze due to a fraudulent deposit. The fraud team is doing an investigation, and it will take 14 days, and someone will get back to you.
I was told that they do have 14 business days to let the Fraud Department investigate this check and see if this is a real check, once this is cleared then my account will be reinstated, and I will have access to the account. I was questioned with how did i get this check and why do I have this check and what is this check for? I did answer all the questions they asked, and it was logged in my BMO case. On XX/XX/, call and spoke with CSR and they too were shocked to see that there was no update on my case and the account is still restricted. The CSR who helped me did send an email to both the Manger and the analyst who is working on the case.
It is now XXXX XXXX, XXXX, I called, and they kept telling me that I do need to go to a branch to verify my identity so the Fraud Department can then help me further. I had to go to the branch 2x today, to have nothing done. Spoke with the fraude team they said she will email the following to her supervisor, the analyst who is working on my case, as well as his supervisor. This will be the 2nd time an email has been sent out to both analyst and his supervisor with no response as stated from the 1st email that was sent on XX/XX/.
I also have attached a copy of the email i received from the bank which i will attached here as well
|
| 12/12/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
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Web |
|
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On XXXX XXXX, 2015 i was emailed a BMO Harris checking account cash coupon for {$200.00} to open a new checking account with promo code XXXX ' and to deposit at least {$100.00}, set up direct deposits of {$300.00} or more within 60 days of opening a checking account and to maintain such direct deposits it would deposit a {$200.00} bonus into my account 120 days after my account became opened.
On XXXX XXXX, 2015 BMO Harris Bank N.A . approved me and opened a checking account for me where i deposited {$100.00}. On XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015, & XXXX XXXX, 2015 I set up direct deposit and had my monthly {$750.00} social security income deposited on each of these months. On or about XXXX XXXX, 2015 i contacted BMO Harris Bank N.A . at its customer complaint resolution at telephone number, XXXX, concerning my {$200.00} bonus and was told by a female BMO Harris representative i needed to wait until my XXXX XXXX, 2015 direct deposit came before this representative could place a request that I be able to receive my {$200.00} bonus. On XXXX XXXX, 2015 this representative put a request in which BMO Harris told me takes 3-5 business days to process and stated that if my {$200.00} bonus was not deposited after XXXX XXXX, 2015 it could expedite my deposit immediately. However, on XXXX XXXX, 2015 when i contacted BMO Harris concerning my {$200.00} deposit another female representative, XXXX stated that she spoke with another department in BMO Harris who informed her that I would have to wait until XXXX XXXX, 2015 to get my bonus.
Per BMO Harris Bank N.A . terms in its checking account cash coupon for {$200.00} it clearly stated that after 120 days of my account opening i would receive my {$200.00} bonus. Again, this account was opened on XXXX XXXX, 2015 and 120 days from that date, was XXXX XXXX, 2015.
|
| 06/15/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
- Other transaction problem
|
|
Web |
|
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I opened a CD with BMO on XX/XX/2023. I received an email confirmation at XXXX on XX/XX/XXXX that my account had been created. I received an additional email at XXXX on XX/XX/XXXX that my opening deposit of {$100000.00} was complete.
On XX/XX/XXXX, the funds left my XXXX XXXX Bank account.
On XX/XX/XXXX, I contacted BMO because my account balance was showing {$0.00} with no pending deposits. On this occasion, I was told that they could see the money in the account, and it would post overnight.
On XX/XX/XXXX, I contacted BMO again because my account balance was still {$0.00} with no pending deposits. On this occasion, I was told that BMO had placed a freeze on my account because of a funding error. They asked me to contact XXXX XXXX to verify the funds. I contacted XXXX XXXX, who insisted that the funds successfully left my account, which was clear through my mobile banking app. I contacted BMO and was told that the hold had been lifted and the account would be funded by the next morning.
On XX/XX/XXXX, I contacted BMO again because my account balance was still {$0.00} with no pending deposits. On this occasion, I was told that BMO never received the funds because XXXX XXXX ( and or XXXX ) had placed a hold on the funds. I verified this was inaccurate with XXXX XXXX while still on the phone with BMO. XXXX XXXX insisted that I needed to verify my identity. I had a notary public sign a form that verified my identity and uploaded it to BMOs secure portal. They told me that this would release the hold on their end, but that XXXX XXXX was still holding the funds. I received an official form from XXXX XXXX documenting that they had officially transferred the funds on XX/XX/XXXX. I was then placed on hold for over 2 hours while BMO contacted the fraud department. That is the most up to date information.
This remains unresolved.
|
| 01/06/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
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I received a cash adance check from a firm based in NY named XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Ny XXXX. I had this overnighted to me as a loan against a settlement that I am expecting. The package was delivered via XXXX XXXX number XXXX by a representative named XXXX XXXX. The check was drawn off of a NY XXXX bank and I live in XXXX BMO accepted the mobile deposit of the check at XXXX pm informing " This message confirms your deposit, check number XXXX in the amount of {$2000.00} has been received. You will be notified separately when your deposit has been approved and processed. '' I then received a second email from BMO at XXXX stating " This message confirms your deposit, check number XXXX in the amount of {$2000.00} has been approved and processed. It may take up to two business days for the funds to appear in your account. Please retain the check from this deposit for at least 15 days prior to securely discarding it. Do not attempt to deposit the check again. If you have questions, please call XXXX, option XXXX. '' Then at the very end of the day the bank shut down my account and when I called they accused me of committing fraud. Refused to take any of the documentation I had, refused to contact the bank the check was drawn off of, refused to allow me to speak to a supervisor, refused to give me the proper reason as to why they are accusing me of committing as crime and refused to offer a solution. I can not get any one from this bank to release my money, accept my documentation or properly do the job of verifying the check. They even told me that they were sure that I was committing fraud and they would need to revaluate the desire to continue the relationship with me. I am attaching all the documents that they would not accept. They even told me that I didn't get the email stating it was approved.
|
| 12/07/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
I have been scammed by a person who said they were the owner of the property that I was going to be renting as my primary residence. They used the owners identity and information to scam me out of deposit and 1st month rent total of {$3200.00}. They said I needed to send money to secure home. I sent money via BMO Harris bank XXXX app through my account. I went to meet said person for the keys on moving day to find out I had been scammed and the money I send to the finance manager was a fraud. I filed police report and filed dispute claim with BMO harris like I was told. The bank did not even wait to receive my written claim with all my evidence along with the police report number since I pressed charges. They denied my claim saying they dont deal with authorized push payments even though I had clearly been scammed and the money I thought was going to the real owner was to a fraud.
The dates I was instructed by fake XXXX XXXX to sent money were as follows to XXXX XXXX ( financial manger ) XX/XX/22 {$100.00} application fee {$1500.00} deposit fee XX/XX/22 to move in early XX/XX/22 due to work schedule I was told to pay {$1300.00} 1st month rent {$150.00} dog fee The fake XXXX XXXX was in contact with me the whole time and said the previous tenants couldn't get out by the XXXX but I could meet him at XXXX on XX/XX/22 to get keys. We were in contact until that morning when I went to move in and found out it was a scam. I filed police report with XXXX XXXX that morning number : XXXX. I called bank right after and filed claim. I had did a been verified check on XXXX XXXX before I filled out application on XX/XX/22 to make sure I was in contact with the real owner. Unfortunately that was not enough to prevent this fraud from happening. I used my savings to secure this property and now have no means to secure a another place to rent.
|
| 01/30/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I was trying to login to my account with Bank of the West and noticed that for some reason it had changed from Bank of the West to BMO. I somehow managed to change the password and logged into my account. The funds showed lower than what I had spent. I called the bank and was informed that any disputes must be done in the branch as they were not able to help over the phone. I printed out XXXX transactions from my account that were not mine and went to the branch. The branch seemed confused as to how to help me and told me to call the XXXX number to file the claim as they were in transition and did not really know how to proceed. That is when I got frustrated and raised my voice and stated that I would not leave the branch until they filed the claims. Eventually they filed the claim for XXXX transactions that were not authorized by me and had no relation to me in any ways. I was advised that the process would take XXXX days and left. Not hearing back from them after a while, I decided to login to my account but still was not able to, so I called the XXXX and was advised that they had locked the account. So they verified me and unlocked the account. I logged back into my account and saw that the balance was still low. So I called them back and was advised that only XXXX transaction from the same merchant was settled but not the other XXXX. When I asked them how it was possible to settle XXXX transaction from the same merchant and not the other, the XXXX had no idea and no information to give. The only info I was given was an email that they said they also used to get any answers, and the XXXX was really bewildered to know that XXXX claim from the same merchant was settled but not the other one. BMO chose the lowest claim amount to settle which did not make any sense as the other transaction was from the same merchant as well.
|
| 12/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am writing to express my deep concern and dissatisfaction with the conduct of BMO Harris Bank in handling my financial information. On XX/XX/XXXX, I initiated an account with your institution, expecting a level of confidentiality and adherence to legal regulations. Unfortunately, my experience has been marred by several alarming violations, which I believe warrant immediate attention.Key Points of Concern : FCRA, Fair Debt Collection Act, and Credit Privacy Act Violations : BMO Harris Bank has, without my explicit consent, disclosed my non-public information to third parties. This action stands in direct contravention of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Act, the Credit Privacy Act of 1974, and 15 USC 1681 ( b ). Such unauthorized sharing of personal data raises significant legal and ethical questions.Breach of Terms and Conditions : Furthermore, the bank has failed to uphold its own terms and conditions by denying me the right to opt out. This is a direct violation of 15 USC 6802-6805, demonstrating a disregard for the contractual obligations established between us.Continued Non-Compliance : Disturbingly, despite these concerns being brought to light, my non-public personal information is still being reported to third parties, as evidenced by my consumer report with XXXX consumer XXXXeporting agency. This persistence in non-compliance compounds the severity of the issue.In light of the aforementioned violations, I kindly request that BMO Harris Bank takes immediate corrective actions to rectify these breaches of privacy and adhere to the stipulations set forth by relevant laws and its own terms and conditions.Please consider this letter as my formal complaint and expect further legal action if these matters are not promptly addressed. I anticipate your immediate attention to this grave matter.
|
| 06/11/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Hello The bank that i am complaining about is BMO Harris. Well at the starting of the month of XX/XX/XXXX my younger brother Who lives in XXXX asked me for some money. For which I called the bank and asked them on how can I send him the money to which they told me the online bill method can be applied to send him the money The process is simply one needs to put in the address and name of the individual and the bank shall send that person the check on the prescribed address. Well, I did the same wrote him a check on XX/XX/XXXX. My brother never received the check as he was continuously in touch with me. on XX/XX/XXXX while i was checking my bank account I realised that the check was cashed by someone. I called my brother and enquired whether he has received the check and cashed it to which his reply was negative. I called the bank and told them to which the replied somebody did cash it. I told them it is fraud someone else cashed it. The bank told me to come into the branch on Monday t file a complaint whereas they will place a hold on the account. On Monday ( XX/XX/XXXX ) as I went to the bank where i met XXXX XXXX XXXX who happens to be a Personal Banker at BMO Harris Located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. She asked me to fill up an affidavit and get it signed it by my brother and also asked me to get a police number which I did from the XXXX police department. An affidavit was filled, Signed and Notarized and submitted to XXXX XXXX XXXX which she submitted to the bank. It has been almost three months now there has no development to as per my knowledge I applied for provisional credit which was also declined by the bank. I applied for provisional credit which was also declined. I am lodging a formal complaint against the bank as the Money is FDIC insured yet there has been no sort of reimbursement from the bank.
|
| 04/12/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
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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.
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| 01/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I am a single father with XXXX children. I signed into a contract with the bank XX/XX/XXXX when I was going through a divorce. I was making payments on this mortgage until XX/XX/XXXX when my monthly payments went up over two thousand dollars A month what they where ( because I was n't able to make A property tax payment ). This was the first time I contacted the banks Loss Mitigation Department. After going to Loss Mitigation Department they keep coming back with payments that where just to high for me to handle and I informed them of that. On XX/XX/XXXX I received a court document stating complaint to foreclose mortgage. When I received this document I contacted the banks Loss Mitigation Department again. Because I was not able to come up with the money they where asking for on a monthly basses. I then started looking into selling the house so that I would be able to pay off the bank holding the mortgage. I put the house on the market looking to sell it as is. I was finally able to find a buyer in XX/XX/XXXX. While going through the process the relator found that the house was sold in a Sheriff Of XXXX County Sale. I was told that the law in IL was the bank would not be able to put the house up for sale prior to one year of me being notified, which would have been XX/XX/XXXX. I found out they had sold it almost five months early than that date. I was told I needed to contact the banks loss mitigation department. I contacted them and informed them I needed a copy of my loan file, all communication efforts by the bank and or legal team. all they sent me was the XXXX XXXX XXXX XXXX paper work from XX/XX/XXXX. Today I received a Final Eviction Notice along with Order Confirming Sale Dated XX/XX/XXXX. It states that no defendants appearing before the court. I did not know about this court date or any other court date prior.
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| 09/21/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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On XX/XX/XXXX, I applied for {$50.00}, XXXX business line of credit designed for XXXX businesses at BMO Harris Bank located at : XXXX XXXX XXXX XXXX XXXX, MN XXXX. My company ; XXXX XXXX XXXX, has been in business in the State of Minnesota since XXXX. I was told by the branch manager ; XXXX XXXX, that the minimum credit requirement for this line of credit is XXXX, as long as that hold true, and the company is majority owned by XXXX, we should not be worried at all. In addition, I was told that we have to open a business account with a minimum of {$5000.00} and in return, BMO will reward us {$500.00} in the next 90 days so long we maintained that {$5000.00} balance on the business account. In fact, not do I met the minimum credit requirement of XXXX, my personal credit score with XXXX was XXXX at the time of the pull.
I was in for a rude awaking on XX/XX/XXXX, I was told that my company has been denied due to the fact that the company 's EIN was not listed on my personal Schedule-C personal taxes returns for XXXX & XXXX fillings!! This was a shock to me as I am in the financial/lending industry and we know many single owned entity enterprises use either the owner 's SSN or the company 's EIN on the personal Schedule-C tax fillings. More Importantly, BMO Harris was out compliance for the date of the application ; XX/XX/XXXX and the date disclosure ; XX/XX/XXXX.
Not only do I believe my company has denied for wrong reason, but also this has cost me 18 points reduction on my personal credit score with XXXX which BMO Harris is refusing to remove credit inquiry.
BMO Harris Bank not only are advertising this Business line of credit for minority, I they're disclosing it wrongly and their practice is deceiving the same people it supposed to help. I hope the regulators should take a look at it.
Thank you Sincerely, XXXX XXXX
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| 08/06/2018 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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I opened an account with BMO Harris on XX/XX/2017. I opened the account online, and used a code " XXXX '' to earn a {$200.00} account opening bonus. The account was opened with seemingly no issues, and even issued me my account number. I did all the activities I was supposed to do to qualify for the account bonus. I called a few months later to find out why i have not yet gotten the bonus, and a rep told me to wait up to 6 months. I did, and called back. This time, I was told I don't qualify, because I'm not in their retail footprint.
If I'm not qualified, then why did the system accept my bonus code, and issue me an account number? Where on their website did the company state that this offer and code is for consumers within their retail footprint, and how is their retail footprint defined? If I put in a code that I don't qualify for a deal for on XXXX or any other website, the code rejects - in this case, my zip code should have alerted BMO, and the code should not have been accepted, nor the account opened under the pretense that I will be getting a bonus. The fact remains that the code went through, and the account was opened. This is a systemic failure on the part of BMO Harris ' IT department, and is a bait and switch tactic to get people to open accounts they don't qualify for.
I am demanding that BMO Harris honor their offer and credit my account the {$200.00} bonus. I have called numerous times, and the various individuals I speak to, most recently a XXXX in the online banking call center, refuse to escalate this matter, and furthermore refusing to provide me the number to the executive office to formally complain to someone that actually cares.
I intend to further file a formal complaint with the CFPB for abusive advertising practices, and non-disclosure of terms when opening an account online for promos.
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| 11/04/2016 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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I Made An Online Purchase And Did n't Receive The Product. I Had Contacted The Merchant And They Sent me a Refund E mail Telling Me To Contact My Bank " BMO Harris '' in Order To Get A Refund. I Contacted BMO Harris and They Told Me That They Would Send Me A Claim Form To Fill Out And To Drop It off at Any BMO Branch.
After A Week I Still Did n't Receive The Claim Fourm And Contacted BMO Harris Again And They Said They Would Send The Fourm Again. Instead Of The Claim Forum I Received A Letter Telling Me That My Dispute Is With The Merchant Over An Authorized Transaction And That They Will Not Continue The Claim And BMO Was Closing My Claim.
( This Is The Refund E mail From The Merchant ) Important Order Info Inside ...
Act immediately if you want a 100 % REFUND on your order. Your order will NOT ship! Please read below and follow the instructions very carefully. Failure to follow the instructions will mean you will not receive your refund.
As was stated in a previous email, the money you paid for your order is being sequestered by XXXX and as much as we would like to refund you directly, we can not as we have been locked out of managing our XXXX Account.
However, this does not mean that you can not receive the FULL REFUND that you are owed. Follow the following instructions in order to get your money back ASAP.
1. If you paid for your order via XXXX, log into your XXXX account and effect a dispute on your payment to XXXX XXXX. If you paid for your order via Credit Card, please contact your bank or credit card issuer as soon as you are able.
Again, we sincerely apologize for any inconvenience this has caused by XXXX.
The Management XXXX This Is The Only Information The Merchant Is Providing Witch Gives Permission For My Bank To Reverse the Charges.
I Do n't Know Why The Bank Will Not Reverse The Charges??
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| 04/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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I was charged a foreign transaction fee for a purchase I made on XX/XX/2023. I was surprised to see the charge as 90 % of the credit cards I own don't charge a foreign transaction. I called to ask if it can be removed, and the first rep. said he will remove it and put me on hold to do so, and then the line got disconnected ( I the time I thought, this was accidental on their end, but now I suspect it was INTENTIONAL ). Then, I called back and told what happened to the new rep. that picked up, and she said if I have not had a fee waived in 12 months, she will be able to waive it for me. She checked and verified that I did not have any fees waived in the past 12 months, and said she waived it for me.
One week passes by, and I notice the fee is not credit back to my account, so I call to follow up, and the rep that answered said it was waived and will be posted by XX/XX/2023. XX/XX/2023 came and went, and the fee was still not credited back to my account! So I called today ( XXXX ) to follow up again, and asked to speak to a supervisor this time. A supervisor by the name of " XXXX '' answered and notified me that they do not waive fees, and I have to do it at a 'local branch. '' She also told me that their are " no notes '' indicated the fee was waived by any of the three reps I previously spoke with! All the reps lied to me and the first one even hung up the phone on me!
So, then I called my local branch of " Bank of the West '' just XXXX mins ago, to ask them to waive the fee, and she told me she has no access to my Bank of the West Credit Card, and that I would need to call the XXXX on the back of the card to get the fee waived! Which is what I already did and explained here what happened!
This bank of lying to their customers and hanging up the phone on them! They have the WORST service I have ever come across!
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| 07/28/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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I called BMO Harris yesterday ( XX/XX/28 ) when I realized that payments that were supposed to cease, had continued to be withdrawn. In the middle of XXXX I revoked the authorization for a creditor to take ACH withdrawals biweekly. I sent them a letter stating that they no longer had authorization to take anything out of my account. I also spoke with someone in XXXX and told them i would be manually resuming the payments but it would be initiated on my end. I did attempt to resolve the issue with them and get the payments ( 3 since I revoked authorization in XXXX totally {$350.00} ) credited back to my account with no luck. So I filed a dispute, explained the situation, and she even closed my debit card and got a new one. Here is where BMO is lightyears behind, she said they won't be issuing a provisional credit at all. So even though the transactions are fraudulent because they continued to withdrawal funds after I explicitly told them they they could not and I was revoking my authorization, I get to wait until BMO fraud team investigates and maybe get my money back then? Absolutely not. That is NOT what XXXX outlines for financial institutions when it comes to fraud. I even sent documentation to support my claim to the reps hoping that would speed things along. So here I sit without {$350.00} dollars that I really need because BMO doesn't think they should credit customers while they are waiting for an investigation. Unreal. If XXXX can issue a provisional credit in 12 hours so can you and so should other banking institutions when dealing with fraud. When the consumer does everything right and the merchant fails to resolve, the burden lies on the financial institution and until they have proof supporting anything other than the details of the claim, the money is mine and should be credited to my account ASAP.
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| 02/07/2021 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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BMO alleges I owe a debt and it is completely false. I have spent numerous hours attempting to show them and yet they continue to harass me, report me to credit bureaus and threaten to seize my property. Here is a copy/paste of what I have sent recently and what is similar to what I have sent in the past.
XX/XX/XXXX I moved and began a series of useless calls with your company trying to update my address. I was even told to drive to a local BMO just to change my address. I was not getting statements XX/XX/XXXX Same as above XX/XX/XXXX Same as above XX/XX/XXXX {$64.00} via XXXX due XXXX. XXXX XX/XX/XXXX {$110.00} via XXXX due XXXX XXXX ALSO INCLUDED XXXX WHICH WAS MISSED B/C YOU XXXX SWITCHED TO XXXX AND NO ONE SENT ME ANYTHING. THIS WAS AFTER I ALREADY UPDATED MY ADDRESS IN PERSON AT A LOCAL BMO XXXX BRANCH AND OVER THE PHONE MULTIPLE TIMES. The late fee was waived due to BMOs admitted failure to 1 ) send correspondence to the correct address ; 2 ) provide due notice of a change in loan servicers ; 3 ) provide updated mailing address for new servicer ; 4 ) provide updated loan number under new servicer XX/XX/XXXX {$64.00} via XXXX due XXXX XXXX XX/XX/XXXX {$60.00} via XXXX due XXXX XXXX XX/XX/XXXX {$65.00} via XXXX due XXXX XXXX XX/XX/XXXX {$64.00} via XXXX due XXXX XXXX XX/XX/XXXX {$60.00} via XXXX due XXXX XXXX XX/XX/XXXX {$74.00} via XXXX due XXXX You are in breach of all applicable state and local laws by continuing to report my account delinquent, by harassing me and threatening me via written letters sent both via regular US Mail and certified US Mail . At this time, I will be filing complaints with the consumer Financial Protection Bureau & appropriate local state agencies. Further, I intend to retain counsel and seek reimbursement of those legal fees, costs, plus interests and damages as appropriate.
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| 02/28/2020 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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I opened an account with BMO Harris Bank on XX/XX/XXXX using a coupon I received from the bank for a promotion in which I needed to completed the three following offers to receive a bonus of {$700.00} total : Offer 1 Get a {$400.00} bonus when you open a checking account and complete the following activities within the first 120 days : Have a total of at least {$6000.00} in qualifying direct deposits, enroll in BMO Digital Banking and set up paperless statements, and make at least 10 qualifying electronic transactions.
Offer 2 Get a {$200.00} bonus when you open a Platinum Money Market account, deposit at least {$10000.00} in new money and keep it for 90 days.
Offer XXXX - Get a {$100.00} bonus when you open both accounts with your promo code!
I followed the directions exactly as the email with the coupon directed and inserted my Promo Code XXXX ' into the box which should have prompted the website to open the two accounts associated to the promotion code. When I spoke with the BMO Harris Bank customer care person they confirmed that they had a problem with the link that was opening up the wrong type of account for 'Offer 2 ' above. It opened a 'Statement Savings ' account as opposed to the 'Platinum Money Market ' account it was supposed to have opened.
I called when I noticed the account type didn't reflect the promotion to alert them of the error on their end. The customer service agent said they weren't able to modify the account type, but I should keep the {$10000.00} in the account and call after 90 days to receive the additional {$200.00} for completing Offer # 2 and {$100.00} for completing Offer # 3 above. When I called on multiple occasions they were unable to honor their promotion and as of today, XX/XX/XXXX, I have only received {$400.00} total of the {$700.00} I was supposed to receive.
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| 11/21/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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My auto loan bank, BMO Harris, is not allowing me to access my loan information online and is making it extremely difficult to access loan information by phone. I just got caught up on my loan payments as I got behind when I got laid off from my job. When I was in default, the bank said I would not be able to set up an online account to look at my information and make payments. I understood, but then I got caught up on my payments so I owed {$XXXX} as of XX/XX/2016. I called to set up online banking but they told me I could not set up online banking because I was once in default and now can never set it up. This is very problematic for me because I need to be able to access my account to keep caught up on my payments. Today it says I owe {$440.00} dollars - three days later - and I do n't know how. My monthly payment is supposed to b {$290.00} so I do n't know what the extra charge is and I ca n't go look on my online account to see. I tried to call and the auto loan management number, which always works, wo n't register my social security number or auto loan number after calling and attempting at least a dozen times. I can not talk to anyone at BMO without getting through typing in a valid SSN or loan number so I can not talk to anyone about these charges. BMO seems to be deliberately making it difficult for me to make my auto loan payments. They have also tried to repossess my car unlawfully, citing that I owed {$4000.00} when I really owed {$400.00} and had made the payment but they had n't processed it yet. They are not working with me to allow me to make timely payments and wo n't let me have access to the information I need. It 's like they want me to default so that they can re-possess the car. I will not sit by while this happens to me and they keep making unlawful charges and not helping me pay.
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| 12/28/2023 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Confusing or missing disclosures
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Web |
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Dear Consumer Financial Protection Bureau, I am writing to urgently file a formal complaint against BMO due to the sudden closure of my checking account ( Account Number : XXXX ), which was opened with the promise of a {$600.00} sign-up bonus.
Background Information : On XX/XX/2023, I opened a checking account with BMO with the understanding that I would receive a {$600.00} sign-up bonus. Regrettably, my account was closed without any prior notice, causing significant confusion and delay in my funding activities. I suspect that the closure may be related to an attempt by my husband to send a Direct Deposit ( DD ) to my account.
Importance of Checking Account : I would like to emphasize that my checking account is of utmost importance to me, serving as a vital component of my financial affairs. The unexpected closure has not only disrupted my financial planning but has also caused confusion and delay in receiving crucial funds.
Sign-Up Bonus and Fraud Concerns : Given the sudden closure of my account and the lack of a clear explanation, I am increasingly concerned about the legitimacy of the promised {$600.00} sign-up bonus. This situation raises serious questions about potential fraudulent practices by BMO.
Attempts to Resolve : Despite multiple attempts, I have been unable to obtain a satisfactory explanation from BMO regarding the account closure. I have attached copies of my communication attempts, including emails and phone call records, for your review.
Contact Information : You can reach me at the provided contact information for any further communication related to this complaint.
I appreciate your swift attention to this matter and trust that the Consumer Financial Protection Bureau will play a crucial role in resolving this issue promptly.
Thank you for your urgent assistance.
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| 10/16/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On or around XX/XX/, there was a fraudulent transaction on a checking account owned by XXXX XXXX As a result of the fraud BMO Harris Bank closed the checking account and the related savings account and blocked all access to the accounts and the account information.
I, XXXX XXXX in this time period had telephone conversations with BMO Harris Bank requesting that the funds be released. At some point, BMO Harris became unresponsive to XXXX telephone calls or promising to research the matter and not following up.
I estimate that the funds in question, between the checking and savings accounts, may be in excess of {$3000.00}.
In late XXXX XXXX XXXX asked his father, XXXX XXXX to help resolve the matter. XXXX authorized his father to act on his behalf in a letter dated XXXX XXXX XXXX
In XXXX XXXX XXXX XXXX attempted several telephone calls to BMO Harris Bank spending several hours on hold trying to get additional information on the status of the accounts.
The closing of the accounts, the loss of funds, and the unresponsiveness of BMO Harris Bank resulted in XXXX being evicted from his apartment and becoming homeless. In XX/XX/ XXXXXXXX XXXX XXXX in XXXX for 4 days. This series of events forced XXXX to return to his family home in XXXX XXXX XXXX XXXX XXXX
Having been frustrated with trying to communicate with BMO Harris Bank, XXXX XXXX with formal written authorization from XXXX XXXX sent letters to BMO Harris Bank on the following dates : XX/XX/ by USPS Certified Mail XX/XX/ by USPS Certified Mail XX/XX/ by XXXX Copies of all correspondence are attached as a PDF file.
The formal correspondence asked for specific information on the fraud and an accounting of the money involved. To date, BMO Harris has been silent. Please note that all correspondence includes full and complete contact information.
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| 09/19/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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I contacted my bank BMO Harris regarding multiple charges on my account that were from from XXXX XXXX which was a total of 4 transactions. I explained to BMO Harris that I attempted to contact the merchant XXXX XXXX to advise them of the fraud charges but they refused to help me and asked me to show them proof that the charges were in fact fraud, which I explained to them I have no way of proving other than explaining I did not make nor authorize the transactions. The merchant continued to refuse to assist me with the fraud charges and getting my money back.
While on the phone with BMO Harris I explained the above and advised them of the fraud transactions and that I did not make, I did not authorize those transactions nor sign for any of these charges. I received a letter via email that my claims department advising my claim was denied due to proof the merchant sent in. I contacted BMO Harris to inquire what info the merchant could have provided that indicated the charges were valid. The representatives explained the merchant sent them pictures of that the deliveries were made and placed in front of a door. I asked what the door looked like and what the picture looked like and what was explained was not what is in front of my home nor is what is described to be my home and I explained this is not my house. BMO Harris refuses to communicate with me to verify the pictures, send me evidence of the pictures and wants to hold me responsible for fraud charges I DID NOT Make. I am filing this complaint because they are failing to give me money back and able to prove that these charges are in fact valid and delivered to my home address that is on file with them and on my Drivers License. I have provided some attachments below. I am requesting assistance in obtaining my money back from BMO Harris Bank.
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| 03/28/2017 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I had several accounts at BMO Harris Bank in XXXX that were closed on XX/XX/XXXX. I had to wait until XX/XX/XXXX to access my funds to ensure there were no outstanding claims against the money. They closed my accounts and gave me the remaining balance. I was contacted by a debt collector XXXX in XX/XX/XXXX ( almost a year later ) indicating I had an overdraft charge. I filed a dispute and they stated I would get something in the mail. I never received follow up on this despite repeated attempts to obtain resolution. Then In XXXX, I was contacted by a debt collector, XXXX for the same debt. I have been disputing this debt for an additional 2 1/2 months, in writing with the debt collector and the bank. No one has provided me with documentation that proves I created the overdraft, who may have been paid with funds, or anything other than a bank statement showing a " previous balance '' from XX/XX/XXXX, a month after the account was closed. I have spoken with multiple employees at BMO that confirm I owe nothing. I have confirmed with all of my creditors that no payments received by them were drawn on BMO after the date I closed the account. After 6 months of calling them and being repeatedly told I did not know anything, I was finally offered to be transferred to the credit reporting area of the bank " If I thought that might help '' and the employee there said I owed it but hung up on me when I attempted to find out what caused the charge in the first place. I am still being reported delinquent and still getting calls well after the 30 day window for dispute resolution. Each attempt to get information ends in my being directed to take it up with whichever party I do not have on the phone. This is impacting my credit and I am getting no where with either the lender or the credit reporting agency.
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| 12/05/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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On XX/XX/XXXX we made a payment of {$730.00} to BMO Harris Bank, as we always do on or around the XXXX of each month, but a few days later we noticed that the payment had come out of our account twice. One on XX/XX/XXXX. and one XX/XX/XXXX We did not authorize a double payment. We contacted our bank, XXXX XXXX, and they told us there was nothing they could do for us and suggested that we contact our mortgage company, ( BMO Harris Bank ). We contacted BMO Harris Bank, at XXXX and talked to a woman named XXXX on XX/XX/XXXX and explained the problem and told her we needed the money back to pay other bills and that the lack of money in our account was making other payments bounce, incurring charges from our bank for two over drafts. They told us they would mail us a check right away. They didnt. We called over the next month or so talking to other customer service people, one named XXXX near the end of XX/XX/XXXX. and there was always an excuse for why they hadnt sent the check. Finally one of the customer service people told us that they would just apply the money as our next months payment. They told us not to make the payment for XX/XX/XXXX. so we thought the matter was resolved. Then we got a payment delinquent notice for not paying the XX/XX/XXXX. payment. We called and ask for a manager, that manager was XXXX XXXX and explained everything to him. He assured us that he could see on our account that every thing had been taken care of, and not to worry. He gave us his number XXXX and encouraged us to call if anything went wrong. The following month we got another delinquent payment notice and the manager we had talked to, XXXX, will not answer his phone or return our messages left on his voicemail. They took our money and wont give it back or apply it as a payment. They are just keeping it.
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| 10/18/2020 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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In XXXX after 2.5 years of negotiating while considering bankrupcy, we finalized through our lawyers and BMO HARRIS representatives XXXX XXXX of XXXX & XXXX for a Settlement Forbearance on our 3rd mortgage with BMO HARRIS of XXXX settled for XXXX with XXXX down and 60 payments of XXXX.
We have made every payment on time and continue to do so as recorded on every statement of ours through BMO HARRIS and showing in all BMO HARRIS records.
BMO HARRIS has transferred servicing of loans to a company named XXXX XXXX XXXX ( XXXX ) representing BMO HARRIS.
Since this transfer occurring in XXXX of XXXX we have received through mail and multiple phone calls from BMO/XXXX, requests for, with total disregard or acknowledging a former agreement ( with payments made and accepted to and by BMO HARRIS ), for the full amount.
There is no longer any communication available or successful with our former contact of XXXX XXXX or a successor on any BMO HARRIS phone line, extension or email.
Our payments of XXXX are being made directly now through cash payments at the BMO HARRIS location in XXXX WI and are showing as accepted by BMO/XXXX.
With every phone call the BMO/XXXX representative will again start over and request setting up payments on a full due amount of over XXXX. This is unsettling and we are told by our lawyers this is in violation of the FDCPA.
We are requesting by BMO/XXXX, validation of the Settlement agreement in progress, a confirmed process of future payment, a reliable and consistent contact to work with towards a successful completion of the agreement, consistent credit reporting as " charged off '', " paying under partial payment agreement '', and as of a last payment monthly or upfront to reach XXXX as " settled '' or " paid in full for less than the full balance ''.
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| 06/05/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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My husband and I took out a XXXX HELOC with BMO Harris in XXXX of 2013. It had a 10-year draw-down period. I don't recall how much we drew down, but we paid off everything within just a few years. We were still getting billed {$50.00} annually, and we kept paying it. In XXXX of XXXX ( not sure exactly ), I was informed that for some reason unknown to me, they had to close our HELOC account and reopen it under a different account number. I bank online, and after they made this switch, I could see the new account number. We took this opportunity to go in to the Bank and have the account closed. We signed a bunch of papers and I thought that that was it. I still saw this account listed when I checked accounts online, but it always had a XXXX balance due. I thought it had to stay that way for the full 10 years.
On XX/XX/XXXX, we went in to the bank once again to close the account, and not have it roll over for another 10 years ( we didn't owe anything, but I don't want open credit lines out there. ) I wanted it CLOSED closed. I was told that we owe {$150.00} -- three annual {$50.00} payments for the last three years. How can that be if we closed it in 2021? The lien on my house will not be released unless I pay them {$150.00} for an account I haven't used in seven years, and closed two years ago. How does that make sense?
I thought that because BMO is a XXXX bank, it wouldn't engage in some of the shadier business practices that many American banks do. That's why we have three savings and one credit card account with them, in addition to the HELOC. We've been good customers of theirs for almost 12 years. Sadly our good will isn't being reciprocated. If we can not come to a resolution in this matter, BMO can take their {$150.00} off the top when we close all five of our accounts.
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| 03/13/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
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Web |
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I opened a checking account in XX/XX/XXXX XX/XX/XXXX called and requested account closure and cheque to be mailed to me in the amount of US {$1000.00}. XXXX advised a letter would be sent to me to be signed and returned then cheque would be mailed.
XX/XX/XXXX - spoke to XXXX re my cheque as I have no record of receiving it but it shows online that the account is closed. He could not find any information about my account. He will have to check with Back Office.
I have made a number of a calls - certainly more than 6 ; I had not kept notes on all but my last contact was XX/XX/XXXX. I had called on XX/XX/XXXX and again they could not find any info so could not verify me. I was told to go to a BMO in XXXX and have my ID notarised. I went in and spoke to a gentleman there by the name of XXXX XXXX. He told me they did not do nortarisation however he did call BMO Harris to try and help me. He got the same results I did - will have to check with Back Office because they dont have the information for my account. He left his information with them asking for a follow up and he promised to keep checking in for me. I assume he is having no better results than I am.
XXXX from BMO Harris called me the next day ( XX/XX/XXXX ) to tell me they were still checking and that someone would call me EVERY DAY to update. I have not heard from her or anyone else since.
I am frustrated with this process and tired of trying to get a plausible answer. On top of which this behaviour seems very suspicious especially coming from a bank. Closed accounts or records of any business do not not disappear from a system. Tired of the run around for my hard earned dollars.
I can provide account opening letter, associated XXXX form, copy of deposits, statements, copy of debit card etc.
Thank you.
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| 11/27/2019 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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See attached BMO Complaint for easier reading.
Opened a new checking account and a money market account with qualifying activities and am entitled to a {$500.00} bonus. The company will not pay the bonus, saying the direct deposits do not count as qualifying transactions. With this I disagree. The details of the activity and offer are as follows.
*Offer 1 : Get a {$400.00} bonus when you open a new BMO Harris Smart Money Account , BMO Harris Smart Advantage Account , or BMO Harris Premier Account and complete the following steps : 1 ) Have a cumulative total of {$6000.00} in direct deposits of a paycheck, pension payment, Social Security payment, or other government benefits payment electronically deposited into the account from an employer or outside agency within 120 days of opening. We reserve the right to request documentation that the direct deposits qualify.
1. XX/XX/XXXX -- XXXX ACH DEPOSIT -- Payroll From XXXX XXXX XX/XX/XXXX -- XXXX ACH DEPOSIT -- Payroll From XXXX 2 ) Enroll in BMO Digital Banking and set up paperless statements within 120 days of account opening. You must still be enrolled in paperless statements when the cash bonus is credited.
Done 3 ) Have at least 10 qualifying transactions post to your account within 120 days of account opening. Qualifying transactions include ACH credits or debits, online bill payments, mobile deposits, wire transfers or debit card POS purchase transactions.
1 XX/XX/2019 {$100.00} ACH DEPOSIT 2 XX/XX/2019 {$50.00} ACH DEPOSIT 3 XX/XX/2019 {$50.00} ACH DEPOSIT 4 XX/XX/2019 {$50.00} ACH DEPOSIT 5 XX/XX/2019 {$50.00} ACH DEPOSIT 6 XX/XX/2019 {$50.00} ACH DEPOSIT 7 XX/XX/2019 {$50.00} ACH DEPOSIT 8 XX/XX/2019 {$3000.00} ACH DEPOSIT 9 XX/XX/2019 {$3000.00} ACH DEPOSIT 10 XX/XX/2019 {$3000.00} ACH DEBIT
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| 11/09/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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|
Web |
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DO NOT DO Business with BMO XXXX ( BMO subsidiary that has online only XXXX ).
They put an account restriction on my account when I tried to withdraw my money to my account at another bank ( Up to this point : I understand that they may want to be cautious of any potential issues- suspicious activities and I appreciate their efforts to safeguard the account ). However, when I called the customer service number and verified my identity through my DoB, Social Security number and text message verification at the pre-registred number. They said that they can not do anything to help and referred me to their fraud preventation department and gave me their number. So I call that number, which went straight to the voicemail ( I called this number about over 10 times over a different time period during the business hours ). So I called the customer service again and they submitted a " ticket '' for me and the issue will be resolved within 48 hours or somebody will reach out to me. But it's been almost a week since. In the meantime, I have called the customer service number multiple times to follow up and called the fraud department countless times ( Everytime, straight to the voicemail ). And I can't even close the account until the issue is resolved apparently. So they are keeping my money because their backoffice is non-existent and can not deal with customer issues properly. Their Fed Supervisors should really shut this institution down and bar them from accepting any more new deposits from customers until they have the requisite back office structure/capacity necessary to deal with any issues that may arise. This place epitomizes incompetency, and the regulators should fine their parent company BMO until they can fix this disaster that they call " BMO XXXX. ''
|
| 11/02/2023 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Unable to open an account
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Web |
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I wanted to open new account in BMO along with safe deposit box. Called XXXX branch. spoke with manager- XXXX XXXX she gave me appointment on XX/XX/XXXX. When i reached, she took my information, promo code etc and then told she cant open my account and asked me to come other week. i went to bank with my wife other week ( on XX/XX/XXXX with appointment ). we cancelled all our appointments and went to bank to open new account. After going to branch, bank manager started giving different excuses. first she told my appointment is on wednesday, then she told bank computer system is down and they will call me once system is stable. one other employee wanted to help me but bank manager turned her down and asked us to come other time. its been whole day and they never called me. How can computer system can be down whole day in the bank next to XXXX campus and in XXXX XXXX. I saw other people going to bank. Later that day, i again called them and asked if their system is stable. Some employee picked up phone and she wanted to give me correct response but some other male manager picked up phone and he told me i can not open account at their branch because our business interest don't align. this is clear discrimination against XXXX people. I have been seeing such discrimination in this branch ever since i visited. they are giving me some or other excuses and don't want to help me open new account. i asked them multiple times that i will open account online then they said no, i can not open account online. if i open account online then they will not give me safe deposit boxes. I tried complaining to their customer service over the phone, XXXX and XXXX. They kept telling me I will get response in 1 -2 business days and so far I did not receive any feedback.
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| 12/16/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Unable to open an account
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|
Web |
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I opened a 12 month CD with BMO Harris Bank on XX/XX/XXXX. The next day I saw the {$1000.00} leave my XXXX XXXX account. I called BMO to request the following : 1. Verify how long it takes an ACH transfer to post. Three different reps gave different answers with the longest time being 30 days.
2. I asked how long the grace period was to add additional funds. The first rep didn't know and one other rep said 30 days. If it takes 30 days to ensure my original transfer safely posted to my acct, why would I send additional funds before confirming this?
3. I asked to add my son as a beneficiary. The first rep said I was out of footprint. The manager I spoke with last told me they needed to send a form that I had to notarize and send back. But I decided I didn't want to proceed further with the acct after the experience I had with the bank. I was on with the first rep for over a half hour and she was difficult to work with. She dumped me into the sales queue. When the rep picked up, I told him what was going on and he was already gone, disconnected the call.
4. I called a second time and spent 20 minutes with a rep who seemed to have difficulty connecting me to a manager when I requested to speak with one.
5. I called a third time and after 15 min, finally got a manager on the line. He had trouble answering questions and kept calling over to sales. Then when he came back he said he couldn't authenticate me and I would need to send in a notarized letter and copy of my license. The issue here was the account had not funded yet ( thus, the original call ) and I couldn't verify a transfer posting.
Before I knew how poorly this would go, I initiated the {$1000.00} ACH transfer on XX/XX/XXXX. I want this transaction closed and funds issued back to me.
|
| 12/06/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
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I deposited a check from a marketing company I received to do surveys. I thought I had lost the check and found it in an purse I had used previously. The check/cashiers check was returned and I am told was flagged as a fraudulent item. This deposit occurred on XX/XX/2023. On XX/XX/2023, my transactions were declined which is the same day my standard direct deposit to the same account for approx. 1 1/2 years. I contacted the bank being able to see that my XXXX had been processed. I was informed the account was suspended, I had no access to funds due to the previous deposit of the cashiers check had been returned, and an investigation was occurring. No notice, no next steps, no access to funds, and it would take 14 days. My XXXX more than covers the return ( cashiers check was approx {$1400.00} and I had a balance of approx. {$400.00} at the time of the deposit ), and my XXXX is approx. {$3000.00}. I was treated as if I had done something wrong despite having my account for several years with Bank of the West/Now BMO without incident. I am incurring late charges, return charges, unable to pay basic needs such as rent, food, insurance, and despite stating a notice was mailed, I have yet to receive any communications from BMO. They will not even inform me of how they will contact me after the investigation upon multiple requests of the process and next steps. I am requesting their notifications, practices, and reasons be inquired upon, along with the release of any funds as a result of my XXXX which is currently unavailable, and any and all late charges, be compensated for. I am being treated like a criminal v. a victim of fraud and without any support from BMO. I have spoken to and provided them with all the information I have, to no avail.
|
| 10/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
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|
Web |
Older American |
|
BMO took over Bank of the West. In XXXX I set up for auto pay for the XXXX payment. BMO did the test. 3 deposits into my account and 3 withdrawals. XX/XX/XXXX I get an email stating they have received my external funds transfer request. XX/XX/XXXX I get an email stating the external funds transfer is in progress. XX/XX/XXXX I get an email stating that as of XX/XX/XXXX the funds have been credited to my account.
Before BMO we were having the money deposited into Bank of the West from our other bank and then the loan was paid. On XX/XX/, we got a notice saying there was insufficient funds to pay the loan. At that time we told BMO not to take money out of that account anymore. We got an insufficient funds notice dated XXXX the same day that BMO said my funds had been credited to my account.
I called BMO on XX/XX/XXXX and it's a debt collection. No one to look to tell me where my payment for XXXX was. They kept asking me questions do you plan to keep the property, when do you get paid, etc. I kept telling them I paid and where is my money that you took. On XX/XX/XXXX I had to send proof of payment showing that they took the money out of my bank account and no one has been able to tell me where it is.
On XX/XX/XXXX I get an email saying my funds transfer will start in 3 business days. ON XX/XX/XXXX I get an email stating my funds transfer has been scheduled. On XX/XX/XXXX I get an email stating my funds transfer is in progress.
Today, XX/XX/XXXX I get a pink letter dated XX/XX/XXXX reminding me my XXXX payment is past due and this could be an attempt to collect a debt.
I can not get any person at BMO to tell me where my payment for XXXX is. When we check our statement on line, it still shows our mortgage is past due.
|
| 09/08/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
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|
Web |
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I just open this account and I have had consistent issues with the customer service I open this account after having issues with XXXX XXXX XXXX and their customer service so I figured BMO after having such a wonderful branch manager open my account as soon as I would n't have the same type of issues since opening this account not even in my first 30 days I have had horrible customer service on the phone I have been told misleading facts and statements regarding my account on several occasions my account is locked at night about midnight due to BMO updating their system but when I enter the correct login information rather than disclose to me that well this system is updating the online and mobile access to my account is restricted it locks me out and locks me out the account so then I have to call back in to customer service to get my account reset for it saying that I entered the wrong login information when it 's really a system cause automated error I am to the point of beyond frustrated with this company I have tried on several times to close this account and I 'm being told that because I 'm closing it within the first 90 days I 'll be charged fees for closing all of my accounts at this point I 'm waiting for one more deposit to hit my account and at that point I will be closing this account and if I am charged a fee I will be suing the original branch that open my account because these fees were not disclosed to me nor was it disclosed to me that I would not have access to my own funds or account information due to Errors By The automated system at BMO Branch I am appalled and outraged at what awful shity service that they have provided to me in regards to my personal and business account with this low-class Bank.
|
| 09/27/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
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Web |
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I sent XXXX bank generated checks for {$390.00} to BMO Harris Bank to pay towards a loan held by their bank. The address I was given was incorrect and they went to the Transportation Finance Department of BMO Bank. None of the checks were credited towards the loan desired, for which I provided account information and details when ordering the checks from my personal account at XXXXXXXX XXXX but all the checks were cashed and endorsed on the back by BMO Bank Transportation Finance ( phone number XXXX ). BMO credited back {$390.00} for XXXX ( XXXX ) of the checks, but the third has never been returned. When I call BMO they tell me that the checks were rejected and therefore there was no refund due. When I tell the customer service representative of BMO that is incorrect they tell me there is nothing more they can do because it is another department that deals with this type of issue. When I request to speak to the other department they tell me I can not. After multiple phone calls to BMO to get my money back with no more assistance than previously, I reached out to my bank, XXXX XXXX, to assist with and recover the claim. XXXX originally credited my account for the {$390.00} but then deducted it again as they were unable to receive feedback from BMO. I have called many times and even gone to the BMO branch to discuss with a manager, as this has been on-going since XXXX of 2022, so oveXXXX XXXX months and BMO is still not responding. I have spent far too much time trying to get my money back from BMO Bank without even making a small progression towards rectifying the problem and returning my money.
I have print outs showing the checks and the endorsement by BMO, as well as my claim paperwork I submitted to XXXX XXXX.
|
| 05/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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I had gotten my BMO Harris debit card stolen on X/XX/17 and called it in the following day. I was told my card was canceled as they caught a fraud attempt of a cash withdrawal of {$130.00} at a XXXX gas station in XXXX , IL. I was not asked about any previous transactions to verify no other fraud was made and I understood that the {$130.00} attempt was the onl y one. I h ave an installment loan with BMO and a payment of {$46.00} is taken automatically from my checking account every XXXX of the month, however, XXXX XXXX payment was not paid due to my account having insufficient funds. I opened my monthly statement and see that a purchase at XXXX XXXX was made for $ 30+ and ca used my funds to drop. That purchase was not made by me and was fraudulent and was not verified by me through BMO when canceling my card and caused the payment for XXXX to be overdue. I attempted to pay my past due balance in person at a branch in XXXX , IL and was advised to wait until my next payment day of X/XX/17 to avoid being double charged. I listened and come X/XX/17 I received a phone call from BMO 's credit reporting office and was informed my payment was 30 days overdue and was now going to be reported to the credit bureau and was misinformed on the double charge statement. I paid the overdue payment in addition to XXXX XXXX payment that totaled out to {$100.00} and then the next day was in fact double charged for XXXX XXXX overdue payment which put me at insufficient funds once again. BMO has reversed fees but still said it was going to be reported to the bureau and refused to retract it since I took the proper steps to make the payment but was misinformed.
|
| 03/12/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
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|
I opened a new savings and checking account using a promotion that I received in the mail the last day of XX/XX/XXXX. For the savings account, I was supposed to receive a {$200.00} bonus if I deposited {$10000.00} and maintained that for three months. On XX/XX/XXXX, after the trial deposits were confirmed, I moved the funds over as I was instructed to. On XX/XX/XXXX, I was charged an unexpected service fee on the saving account ; however, I then deposited extra funds to maintain the average daily balance of {$10000.00}.
I contacted the customer service line twice. The first time I was told that after the three months, it sometimes takes a statement cycle or two for it to show up. On XX/XX/XXXX, I again contacted customer service and was told that I would have needed to deposit the {$10000.00} on the day it was opened. When I told them that the banker had said that as long as I transferred the funds shortly after the account opening date ( the trial deposits were confirmed on XXXX and I transferred the funds on XXXX ), it wouldn't be a problem. I was then told by customer service that I would need to directly contact the banker who opened the account for me at the branch. That same day I emailed the banker, XXXX XXXX, and provided the information above. XXXX XXXX almost immediately replied that he would work on getting this resolved. That email from XXXX XXXX on XX/XX/XXXX was the last time I heard from him. I have followed up on XX/XX/XXXX and XX/XX/XXXX, and I have not yet received a response.
The balance in the account remains over {$10000.00} as of XX/XX/XXXX. XXXX XXXX stated that they needed to keep the copy of the promotion mailer for the file, so I no longer have it in my possession.
|
| 05/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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|
I had a BMO account in XX/XX/XXXX. In XX/XX/XXXX I went to BMO to do a wire transfer. I paid the {$30.00} fee for the transfer. When I spoke to the company that was to receive my funds I found out that BMO did not put the transfer through. When I called BMO not one representative at the bank would speak to me. I was consistently referred to the Fraud Department. When I spoke with a XXXX in the Fraud Dept she informed me that my account was restricted due to deposits into my account not in my name. After discussing the situation XXXX explained that if I were to take the person to BMO with an ID they could receive the funds that came into my account in their name. That was not true. We went to BMO, as directed by XXXX, myself along with my friend and his ID. And being that no one was permitted in the bank due to COVID-19 we went to the drive-up teller. The tellers would not assist. We were told to go into the bank. Which was not a possibility since no one was permitted in any bank. I called XXXX back in Fraud. The conversation went in circles since she now claimed she did not tell us to do that. And that at this time my account was being turned over to legal. I received a letter from XXXX via USPS on XX/XX/XXXX telling me that my account was closed and any balance would be mailed to me. In XX/XX/XXXX my balance online showed {$19000.00}. On XX/XX/XXXX the balance online for my account disappeared and I can not get anyone to tell me what happened to my funds. Including the amount, I deposited for the initial wire transfer of {$9500.00}. The letter I received telling me I would receive any balance in the account once closed never happened. At this time I can get no assistance from anyone at BMO.
|
| 01/10/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened without my consent or knowledge
|
|
Web |
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|
On XX/XX/, I received a letter from BMO 's Enterprise Fraud Management, requesting that I visit the nearest branch with my ID, SSN, and Utility Bill to verify my identity. The letter stated that my deposit account would be closed on XX/XX/, if I failed to comply.
However, I want to clarify that I have never had any association with a bank named BMO, nor have I opened any account with them. Therefore, I immediately contacted BMO to report the account as fraudulent. Since then, I have had multiple conversations with four different representatives from BMO on XX/XX/XXXX and XX/XX/XXXX.
While speaking with these representatives, I have been given conflicting information regarding the status of the account. Some have assured me that the account is closed, some have indicated it is in the process of being closed, and others have given varying explanations. They have also advised me to report this incident to the local police department and the Federal Trade Commission ( FTC ).
In accordance with the guidance provided by the FTC, I have requested that BMO : 1 ) Confirm in writing that the fraudulent account is not mine.
2 ) Verify that I am not liable for the account.
3 ) Confirm that it has been removed from my credit report.
Despite these requests, BMO has refused to provide the requested documentation. Depending on whom I speak with, I have been informed that they either do not provide such letters or that they will only do so if there is recent activity on the account. This leaves me in a position where I must trust BMO 's verbal assurances that the necessary actions have been taken, with no tangible protection in case issues arise due to their failure to verify the account properly.
|
| 02/10/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
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|
Web |
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|
XXXX I posted online for XXXX tickets. XXXX XXXX ( name on XXXX who has now deactivated her XXXX account ) She showed me the image of the 4 XXXX tickets as well as an image from her XXXX account. She stated for section XXXX the tickets were $ XXXX so a total of {$9000.00} XXXX - She gave me her cell phone number so my husband could call and verify ( XXXX ) XXXX My husband gave me the go-ahead on purchasing the tickets. I tried several times to send the money via XXXX, the XXXX XXXX, etc. The XXXX handle I paid {$2000.00} to was XXXX ( she said this was her sister 's account ) She said they work together because they'll ticket brokers. So I sent the {$2000.00} then XXXX wouldn't allow me to send any more money. She refused XXXX. I suggested a XXXX XXXX and attempted to pay $ XXXX but again it failed. So my suggestion was a wire transfer. I went to my branch bank at BMO harris on XXXX in XXXX. The teller XXXX XXXX filled out the wire. I gave the recipient 's account info : XXXXXXXX XXXX - routing XXXX account number XXXX. I sent this recipient {$7000.00} via wire. As soon as I showed her the image she blocked me on XXXX and wouldn't return my calls. When the teller asked me what the address was for the recipient I sent her a message to get her address. The teller responded " just pick an address, it doesn't matter ) so the only address I knew off the top of my head was my mother 's. So the wire transfer doesn't even have a correct address on it.
XXXX I went into the bank to close all of my accounts because she had access to my account numbers and address. I submitted a complaint to the attorney general, the filed a police report for the XXXX police, the submitted a fraud case to the FBI.
|
| 03/03/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
The bank is refusing to follow the procedures outlined by the Federal Govt in how to deal with unauthorized purchases, specifically where a refund/credit was supposed to be received but was not yet received. They indicated they are not required to open a dispute without documentation in writing stating that I am due refund or credit. I explained that it was a phone call where an account was cancelled and i was told they refund would be processed to my account in 5-7 days that has been almost two months. To appease them I explained that if requested after the dispute is open or challenged by the merchant that I would get documentation however the responsibilty is for the dispute to be opened. She refused and said until I have the documentation that she would not open the dispute to which I responded that I couldnt even send the documentation until the dispute is opened and she responded well I know you dont have the documentation so until you do I wont even open the dispute. I referenced to her Sec 205.11 of Reg E iii. The omission of an electronic fund transfer from a periodic statement Generally this one will apply to a missing credit to an account. If the case of a debit card transaction, if the merchant promised a credit or refund and failed to provide it, it is a Reg E error. If the merchant did not make such promised, but the customer feels they are entitled to one, it is a merchant dispute. The rep indicated they are not required to follow those guidelines ... I think BMO needs a update on Fed guidelines when it pertains to Reg E too many banks think they can make up rules and do their own thing. The rep I spoke with : XXXX XXXX XXXX XXXX XXXX, XXXX. This needs to be addressed!
|
| 05/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I called BMO on XX/XX/XXXX to request a mortgage payoff amount. BMO told me on the phone the payoff letter would arrive in a couple of weeks and for me not to pay my monthly mortgage as it would change the final amount. I waited for the letter but it never came. On XX/XX/XXXX, I requested a refinance from my bank for an auto loan as I needed a score of 750 or higher to qualify for the low rate, however BMO reported that I missed my XXXX payment and my score dropped nearly 100 points and I was denied for the loan. I wired the payment in the BMO that very day. I called BMO on XX/XX/XXXX to submit a dispute on the matter. They verified my email address and mailing address at that time. I have called BMO three times over the past few months to request a status of the dispute. Each time they told me someone would call me back but I never received a call. I called BMO again on XX/XX/XXXX to request another mortgage payoff letter. I again waited and NEVER received the letter in the two weeks they told me it would take to arrive. Covid came and I decided not to pay off the mortgage and would continue making payments in case I needed the extra money for emergency use. I have paid BMO two additional monthly payments this month proving I have the funds to pay them. Today I talked with a BMO representative and stayed on the line until they sent the letter to my proper email address. After I finally received the denied dispute, BMO simply says in the letter " The XX/XX/XXXX bill was not satisfied until XX/XX/XXXX. The late mark is valid ''. My aim is to get the late payment mark removed to restore my good credit rating. I feel I have done nothing wrong and BMO has denied my dispute without proof.
|
| 09/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Since my account from Bank of the West merged to BMO im not being abble to access my online banking, also I dont have SSN so the system doesnt allow me to fix this issue.
So I nee to have restored my online banking access, I know my user name XXXX and also remember the old password.
And second need to open a merchant dispute for merchandize not received ( I dont speak XXXX by phoen and now BMO doesnt provide that service ) As I dont have access to my online banking I cant guss the exact date of the charge and also the specific amount in US dollars because the transactions was made in a foreign currency : 1 ) Around XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, International currency {$650.00} XXXX XXXX XXXX XXXX XXXX Around XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX International currency {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX International currency {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX ) Around XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, international currency {$730.00} XXXX XXXX XXXX XXXX XXXX These 4 purchases were made on the store, f ace to face but they didnt have on stock on the same store, so they will ship it from their warehouse to my mailling address on file which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX
The items never arrived, must be received on or before XXXX XXXX.
I tried to contact them by email and phone calls to request the tracking number, delivery confirmation or any other shipment information without success, nobody respond. I start contacting them on XX/XX/XXXX.
I cant go to the store now because im not on that city any more. I have the invoice and receipt that I would like to send to the bank to support my case.
|
| 12/26/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Due to the promotion of the new account sign-up bonus, as they advertised, I opened a new premier account with BMO Harris on XX/XX/2022.
I clicked the link on their website : https : //newaccount.bmoharris.com/online/servlet/SmartForm.html? formCode=dao & PRODTYPE=Checking & PRODUCTID=336 & COID=BMOP-06772Q-89QT8P3 And I followed the steps by filling out all the fields in the application.
And one of the fields was an auto-filled promotion code. The promotion code was : XXXX. That was auto-filled in my application.
The requirements are to have over {$7500.00} direct deposit within 90 days after the account was opened, then they will give me a {$350.00} cash bonus.
I changed my direct deposit setting with my company. I deposited {$9600.00} from my payroll from XX/XX/2022 to XX/XX/2022.
After I notice that I not only didn't receive my bonus on time but also I was charged a {$25.00} service fee! This fee was a hidden fee by the way.
So I called BMO Harris. The representatives told me that I did not have a promotion code on my application, which is impossible as the code was auto-filled. If there was no promotion I had no reason to open this account. They must manipulate my account and delete the code from my application to avoid the payment they promised.
I called at least 5 times, and every time I was put on hold for at least 30 mins and did not get any solution. I also tried to chat with one of the bankers, no solution either.
I was told twice that one of the managers will call me back during the day. I've never received any phone calls from the bank.
I feel this bank is a scam. I am very disappointed with their service. I request a solution to my unsatisfied experience.
|
| 06/08/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
On Wednesday, XXXX XXXX, 2015, I went into a BMO Harris branch in XXXX, Illinois to apply for a mortgage refinance. I presented the Mortgage Banker, XXXX XXXX XXXX XXXX a commitment letter from my current bank for the mortgage refinance and asked if he could do better than their deal. It was an interest rate of 3.5 %, for 15 years with XXXX origination fee and XXXX discount fee. Although he said the cost would be approximately {$1500.00}. He also said that the recent appraisal of my house could help to reduce the cost of the loan and I would get a grant for {$1000.00}. But he required a {$100.00} deposit. I provided a master card for the {$100.00} and asked for a receipt and he said he would email it, but he never did. Today, I received the application via express XXXX letter that he completed along with other mortgage documents including disclosures and settlement information. How can {$4100.00} in settlement charges be better than XXXX cost and XXXX origination fees? I wanted to borrow XXXX, but the application says that I want {$85000.00} to pay for consumer debt when I did not ask for additional funds. I told him that I currently do not have an escrow with my current mortgage and want to keep it that way, but the application/documents he prepared state that I would have an escrow. I have asked whether I would be denied a refinance loan for the {$73000.00} and whether I am only approved for the larger {$85000.00}. To date, he has not documented whether or not that is the case. Also to date, he has not provided me a receipt for the {$100.00} that I have requested XXXX, but BMO Harris managed to charge my credit card. I have found this loan refinance process to be such a scam.
|
| 09/14/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I have a checking account and associated debit card from BMO Harris Bank ( BMO ), among other banking products. On the evening of Sunday XX/XX/2022, I received a notification from the BMO Mobile App ( App ) that a charge on that debit card was " Denied due to card issuer rejection ''. I did not recognize the merchant, location, amount, or time, and viewed the attempted transaction as fraudulent activity. To prevent additional fraud, I immediately disabled the debit card using the App.
The next day, Monday XX/XX/XXXX, I called BMO for advice using the toll free number on the back of my debit card. After authentication and confirming the details, the representative set up a card replacement via mail.
Per this conversation, replacing the card was something the bank representative chose. I did not request a card replacement, nor did the representative confirm that I wanted a card replacement. They phrased the situation like " to ensure the security of your account, we will be replacing your card ''. The representative did not disclose any fees for card replacement, and did not gain my consent to accept any fees.
Today, via the App, I noticed a {$5.00} charge on my checking account for " REPL/EXPED FEE '', dated XX/XX/2022. I believe this is a charge for replacing my debit card. I view the charge as incorrect because I did not request or consent to that service.
Furthermore, the debit card was due to expire next month, in XX/XX/2022. The representative could have seen this and chosen to rely on the routine card replacement process instead of specially ordering a new card. But because I did my part to report fraud as a vigilant customer, I ended up with an extra fee from BMO.
|
| 01/06/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
BMO Harris Bank has not adhered to its terms and conditions relating to the awarding of its {$200.00} savings account bonus paid to new BMO checking and/or savings account owners meeting certain deposit requirements. According to the bonus terms and conditions published and in effect when my account was opened on XX/XX/XXXX, the {$200.00} savings bonus is awarded when consumers open a new Platinum Money Market account and fund the account with at least {$10000.00} within 30 days of opening and maintain that balance for a period of 90 calendar days. As my attached money market account statements reflect, the account had at least a {$10000.00} balance from XX/XX/XXXX through XX/XX/XXXX ( 100 day period ). The terms state that the bonus will be credited within 150 days after opening or XX/XX/XXXX in my case. There is an additional {$100.00} bonus awarded when both this savings account bonus and a separate checking account bonus have been earned which has not been paid either, despite meeting the requirements and receiving the separate checking account bonus on XX/XX/XXXX. I have met all requirements necessary to receive the {$200.00} + {$100.00} bonuses including an opening deposit of {$5000.00}, funding to {$10000.00} within 30 days of opening, and being a resident of Wisconsin. My XXXX XXXX checking and Platinum money market accounts are open, in good standing, and have positive balances. I previously submitted an online secure message to BMO Harris on this issue and supplied them with the same info but have yet to hear anything back as of XX/XX/XXXX. I am hoping that by reaching out to the CFPB this matter can be addressed and resolved in a timely manner.
Thank-you, -XXXX
|
| 09/05/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
On XX/XX/2023, I initiated a transfer of {$4500.00} from my XXXX checking account to my BMO Harris auto loan. I had previously used my XXXX account to make a payment of {$470.00} on the first installment due date, XX/XX/XXXX.
After initiating the payment, the webpage for making transfers to BMO Harris was rendered inaccessible, stating that my account had been put on hold due to issues verifying my identity. The hold notification instructed me to call XXXX in order to resolve the issue.
Since then I have made six phone calls to the BMO Harris help line, most recently on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The first five times, the customer service representative told me they would send my issue to their resolution team, who would send me an email declaring the hold removed from my account by the end of the following business day. So far, this has not happened.
My most recent call on XX/XX/2023, ended after a nearly two-hour hold when BMO Harris hung up the phone after transferring me to the resolution team. This occurred two days before my scheduled auto loan due date, and I received mixed guidance on whether the initial {$4500.00} would be withdrawn from my account.
The customer service workers have been professional, if still developing their XXXX proficiency. I consider this a failure of BMO 's management, if not an outright malicious attempt to discourage any behavior that would prevent them from squeezing every penny of interest out of their unfortunate customers.
I can not imagine any resolution to this complaint that the bank and I would see eye to eye on, unless the directors of BMO Harris would be amenable to XXXX their institution to the ground.
|
| 12/17/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I have opened an online XXXX account on XX/XX/2021 after being informed by a retail relationship banker at the Bmo Harris Bank fishers location on XXXX XXXX of a {$400.00} dollars sign on bonus for opening a XXXX checking account. I have made qualified direct deposits and maintained over XXXX dollars in my checking account to qualify for the {$400.00} sign-on bonus ; however, as of XX/XX/2021, I still have not received the {$400.00} sign-on bonus.
On XX/XX/2021, I wrote the XXXX XXXX XXXX an email requesting an explanation for the missing sign-on bonus. In which the banker explained that the missing sign-on bonus was due to not having a promo code associated with my account according to BMO Harris support team and online department. Which I explained that the promotion code was auto generated after clicking open XXXX account on the website. The process did not provide the customer a copy of the promotional code via email therefore I dont have any record of the code. The banker then proceeded to tell me that the only way to resolve this issue is to have this unique promotion code so she will work on getting a hold of that code as of XX/XX/2021. I emailed the XXXX XXXX XXXX back on XX/XX/2021 requesting an update on the progress for locating that code and inquired if she can resolve the problem with more time, which she completely diverted addressing my question. She did inform me again in the reply that she can only resolve the issue if she has the unique promotion code.
Since XX/XX/2021, there has been neither any email communication from this XXXX XXXX XXXX to address the missing code nor any attempt from the institution to contact me to ratify the situation.
|
| 06/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
BMO harris Credit Card has a promotion where if you purchase " XXXX XXXX '' with their card, you get 5 % cash back.
I purchased this product on XX/XX/XXXX using the promoted BMO harris credit card for {$140.00} - and I assumed I would receive {$7.00} in rewards points.
However, XXXX XXXX changed their name to " XXXX '' on XX/XX/XXXX. as a result of the credit card billing event not coming from " XXXX '', I did not receive the 5 % rewards.
I contacted BMO harris on XX/XX/23 to explain this, and they said that it is the responsibility of XXXX ' to honor this promotion.
I then used BMO 's online portal on XX/XX/XXXX to write my complaint and they instructed me on XX/XX/XXXX to call their call center again. I then wrote to them again on the XXXX and they replied on the XXXX with the same comment.
on XX/XX/XXXX I called BMO again and the representative said that they can't control what XXXX choose to name themselves for billing. They suggested that I contact XXXX XXXX support and inform them that they need to change their billing codes with BMO - I do not think this is a fair position to put the consumer in, I am only trying to get the benefit that was marketed to me.
BMO is still running the promotion that if you purchase " XXXX '' you will get 5 % in reward points. BMO is offering a benefit that can not be redeemed due to technicality, and they are relying on an outdated colloquialism ( XXXX XXXX XXXX ) to market their product without providing the reward. I do understand that the Bank likely is coded to look for the name " XXXX '' and not " XXXX '' but this is an issue that they need to fix internally and should not be the customer 's responsibility.
|
| 06/08/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
Step 1 : What is this complaint about?
This complaint is about a HELOC with BMO Harris Bank.
Step 2 : What type of problem are you having?
We are having problems getting the money for the loan after the closing paperwork was completed. Without having copies of the closing paperwork to review in advance, we had to sign blindly on the online notary agent.
Step 3 : What happened?
The complaint has two areas of concern : 1 ) BMO did not share the closing statements for us to review prior to the loan closing. They gave us an electronic link to the documents, but the documents were not found on this website. Our paperwork was signed XX/XX/21 and allowed for 3 days to cancel ; however, we didn't get the notice until XX/XX/21 when I contacted XXXX XXXX to ask where our copies of the closing documents were at that time she sent them to me electronically only after I asked which was too late to cancel. 2 ) BMO is lagging in sending us the loan funds ; we signed on XX/XX/21 and the funds were still not deposited into our account on XX/XX/21. Where is our money? We bank with BMO electronically and this could have been done on the day of the closing! I'm assuming they will charge interest beginning on XX/XX/21? In addition, they took our money and paid off an existing HELOC loan for the wrong amount. When I asked why they didn't get a correct payoff figure before paying off the loan, XXXX told me that is not their practice, BMO just pays the amount from a prior statement and we have to try and get the money back from the other HELOC lender.
Step 4 : What company is this complaint about? BMO Harris Step 5 : Who are you submitting this complaint for? XXXX and XXXX XXXX
|
| 10/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
On XXXX XXXX 2019, I opened a BMO Harris Platinum Money Market account based on a promotion of a total bonus of {$300.00} associated with this account.
The terms required depositing {$10000.00} into the Money Market account and not letting the balance drop below {$10000.00} for the next 90 days. To satisfy this requirement, I deposited {$10000.00} into the account on XXXX XXXX, 2019, and then did not remove any money from the account until XXXX XXXX, 2019 ( 92 days later ).
The {$300.00} incentive corresponds with offers ( 2 ) and ( 3 ) on the attached PDF " BMO XX/XX/2019 promo XXXX ''. I also did offer ( 1 ) and received the {$400.00} bonus for that offer, which is relevant to receiving offer ( 3 ).
The dispute is with offer ( 2 ). See the attached chat logs for details, but the summary is that BMO Harris says that because I transferred the new money into the checking account I opened for offer ( 1 ), then immediately into the money market account to start the 90 day timer, that I did not satisfy the " new money '' requirement.
I think this is a disingenuous interpretation of " not currently on deposit at BMO Harris Bank or its affiliates ''. You can see from the attached account history images that I transferred the money into the Money Market account on the same day that it transferred to BMO 's checking account from an external source. I could have withdrawn the money from the checking account at a branch, held the {$10000.00} in cash for two seconds, and then deposited the " new money '' into the money market account. But that kind of nonsense would be a waste of everyone 's time. I expect better of myself and I expect better of BMO Harris as well.
|
| 01/17/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
THIS BANK VERIFIED ME IN XXXX XXXX THEN THE NEXT DAY AFTER THEY VERIFIED ME FOR ALMOST XXXX HOURS OVER THE PHONE. I SENT THEM ALL REQUESTED DOCUMENTS VIA ONLINE TO VERIFY ME. I WAS TOLD THE NEXT DAY THAT I COMPLETED THE VERIFICATION PROCESS SUCCESSFULLY. THEN BEFORE THEY WOULD ALLOW ME TO SIGN THE PAPERS THEY SAID THAT I HAD TO GIVE THEM MY ACCOUNT INFORMATION SO THAT THEY COULD FUND MY ACCOUNTS. I THOUGHT THAT WAS STRANGE BECAUSE MOST BANKS ALLOW YOU TO FUND YOUR ACCOUNT AFTER YOU SET IT UP ... NOT BEFORE. I FELT LIKE IT WAS A ULTIMATUM. THEN THEIR CUSTOMER SERVICE AGENT ASKED FOR MY DEBT CARD NUMBER AND SECURITY CODE. HE ALSO ASKED ME WHAT THE VALUE OF MY HOME IS WHICH I REFUSED TO GIVE HIM. THEN AFTER THEY GOT MY FUNDS FROM MY OTHER ACCOUNT THEY LOCKED ME OUT OF MY ACCOUNT ONLINE AND SAID THAT THEY DID NOT BELIEVE I WAS ME. THIS AFTER THEY VERIFIED ME AND TOOK MY MONEY. THIS IS FOR A ACCOUNT THAT YOU GET A BONUS. THESE BANKS ARE TRYING TO GET NEW CUSTOMERS THEN THEY TRY TO BE MEAN SO THAT THEY DO NOT HAVE TO PAY THE BONUS. THIS IS A SCAM THESE BANKS ARE RUNNING. THEY ARE TRYING TO GET NEW COSTUMERS FOR THEIR INVESTORS AND THEN TRYING NOT TO PAY THE BONUSES. I HAVE BEEN REQUESTING FOR THEM TO CALL ME FROM THEIR XXXX XXXX SINCE XX/XX/2023.XXXX .NO ON HAS CALLED ME! THEN NOT ONLY WAS THEIR CS MEAN AND RUDE THEY REFUSED TO ALLOW ME TO GET TO MY OWN MONEY AFTER THE TRANSFER. THEN ONE OF THE LAST CALLS I MADE TO THEM IT SOUNDED LIKE THEIR CS REP WAS DOING SOMETHING INAPPROPRIATE ON THE PHONE. I ASKED HIM, " WHAT IS THAT SOUND. '' THEN IT STOPPED .XXXX AFTER HE SAID, " DOES IT SOUND LIKE LIKE SOMETHING RUBBING ON THE PHONE. '' IT MADE ME FEEL VERY UNCOMFORTABLE!!!
|
| 11/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I was solicited by BMO Harris bank to open a checking account and I would receive {$300.00} bonus. I opened account and added my husband as co-owner on online application. The offer was to have direct deposit, account activity, and paperless statements. The account type was selected by BMO per the offer. It was not disclosed in clear terms that I needed the maintain {$25000.00} balance to avoid being charged $ 25 month.
The account opening was in XXXX or XXXX. XXXX and XXXX I see 2 {$25.00} fees. I inquire and I am told that is based on account type. I explained this is what I was told should be opened for offer for {$300.00} bonus that was made. Offer only referenced {$6000.00} or {$8000.00} of direct deposit over 90 days with debit card activity and online statements. Nothing about keep $ XXXX balance.
They refunded XXXX of the fees and in XX/XX/XXXX or so confirmed request to change account type. XX/XX/XXXX they charged {$25.00} fee again. I asked for this to be returned as I already changed account type to online account. They refused! I further inquired about {$300.00} bonus and was told I was an existing client! This was not true I had never been a client before! This whole thing is so sickening!
People are struggling. I am an unemployed XXXX XXXX XXXX due to COVID collecting unemployment. It is painful that I get solicited for my banking. I keep my side of bargain and not only do I not receive the bonus but I am out {$50.00}! I am sure this nickel and diming bank has received some type of COVID relief from government. Its a crime how they are treating people like me struggling with no help.
Please help me recoup fees and the bonus that is owed.
|
| 06/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I wrote a check to the US Department of Treasury for {$3900.00}, and mailed it in XXXX. I made an error and put the check in the wrong envelope, and it went to the City of XXXX XXXX, Missouri instead. The City then deposited it, and the bank made payment in the amount to the City. The check was not made out to the City. The back of the check clearly indicates it was deposited by the XXXX City Treasurer. BMO Harris should not have paid those funds to the City of XXXX. I raised the issue with the bank today, and they said they don't have any further information other than what is on teh check, refused to acknowledge responsibility, and directed me to the local branch to file a fraud and forgery report. But, this is not fraud or forgery, it is the bank issuing payment inconsistent with the payment direction on the check.
This was the response in the chat, after noting that the endorsement did appear to be by XXXX, rather than the US Dept of Treasury.
Thank you for your patience XXXX, after further reviewing, my back office was not able to locate any other information. They only can see what we are seeing. The manager said in this case if they were not suppose to receive these funds you will need to file a Fraud and Forgery dispute. This will take place a local BMO branch you will need to fill out a Fraud and forgery affidavit form and have it notarized. I asked why did we allow it to go through and they mentioned due to the depositing side not finding any errors with the check it was able to be processed. They did ask if you had any open accounts with the city treasurer because if there was no account to place these funds in they should have sent it back.
|
| 01/11/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Since the beginning of Covid ; I've had a lot of problems with unauthorized card use, and inability to access my account correctly, while banking with BMO Harris Bank located on XXXX XXXX XXXX XXXXXXXX, WI. Starting around the beginning of Covid, BMO chose to switch to needing a " temporary phone password '' to access anything via their XXXX customer service line. This also includes their " card member services line '' as well. Since the beginning of Covid, I've had a couple of unauthorized transactions. The most recent was on XX/XX/XXXX I believe, where the bank finally offered the shut my card down, but then still authorized transactions on XX/XX/XXXX to XXXX XXXX in the amount of {$200.00}, and to XXXX XXXX in the amount of {$330.00} ''.
There was also a secondary account setup in XXXX of XXXX by one of my sole-proprietor business clients in my name, which I'm not able to access at all. I was at the bank with my client in XX/XX/XXXX to setup the account. I even received the follow-up call a day or 2 later from my banker, checking on the account. But, when my client tries to put $ into the account using the account # giving to use, they're not allowed to, being told that the account doesn't exist. And I get told the same thing from BMO teller when trying to access the account on my end as well.
As stated, this has been an ongoing issue with BMO Harris bank since Covid. They have no right to be doing this to customers, as it violates federal banking laws, yet here we are. Because of their unwillingness to cooperate at this point, I'm requesting any and all accounts information, ran based of SSN for the financial institution over the last XXXX years.
|
| 10/18/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Older American |
|
My CD matured on XX/XX/XXXX, a XX/XX/XXXX I called them on XX/XX/XXXX, a XX/XX/XXXX, to request the funds be returned. They said I needed to fill out a written authorization and that it needed to be mailed to me. No email or online option available to get my funds returned.
I received the form on XX/XX/XXXX XX/XX/XXXX. It did not have a post paid return envelope like the letter said. I had to call ( second call ) to get the mailing address ( not posted anywhere online ). I mailed the form on XX/XX/XXXX, a XX/XX/XXXX I did not hear from the bank nor did I see a check cut by looking at activity on their webpage, so I called again on XXXX and asked status for funds being returned. They asked if I wanted a check mailed and I said I would prefer a ACH deposit. They do not provide that service so they said they would mail me a check. They deducted {$490.00} from my check as a penalty for not redeeming the CD during their grace period.
Called XXXX ( third call ) and asked for a supervisor, explained the timing and asked that the {$400.00} penalty be refunded. Spoke with XXXX XXXX, Resolution Supervisor. She said she would call me within two days. Never heard from anyone.
Called again XX/XX/XXXX atXX/XX/XXXXon hold for over 30 minutes ( fourth call ) about status of check. I see online that they refunded the {$400.00} penalty. 24 days since CD matured! Spoke with XXXX again. She said she check on the problem and would call me back within an hour.
Their policy makes it impossible for anyone outside of the XXXX area to redeem their CD within the bank 's grace period. It takes about two weeks to mail out a form, sign it and then mail it back to them.
|
| 12/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
I have 3 mortgages with BMO bank. There is also a checking account at BMO that I transfer external funds to that serves as a settlement account for mortgage payment. The mortgages were transferred to BMO after BMO and Bank of the West merged. Loans were originated with Bank of the West. Payments have always been on-time.
Last month, XXXX of XXXX, the BMO website suddenly began not recognizing me as a user. This has persisted until today, XXXX. I can not login. When I attempt to login in, it says " Hmm. The information you provided doesn't match our records. Try again? '' The website address is https : //usdigital.bmo.comXXXX XXXX XXXX When I attempt to reset my password by entering my email and correct social security. number, the website responds : " Hmm. That information doesn't match our records. Try again? '' This suggests that my online account has been disabled. I also tried using my husband 's social security number to no avail.
My email is clearly correct and exists on BMO 's records because I continue to get email confirmations of automatic transfers that were set up months ago. My social security number is also correct.
I attempted to call BMO 's phone number but it immediately asks for my account numbers after verifying my social security number. However, I need to be able to login to see my account number. Without account numbers, there is no way to progress on the call. There is no option to speak to anyone. Eventually, the automatic call disconnects me because I can not produce an account number.
I currently have no way to pay my mortgages which are now due for XXXX. Entering a physical branch is not possible at this time.
|
| 12/20/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
XX/XX/XXXX I sent an ACH money transfer ( {$18000.00} ) from my account at XXXX to XXXX XXXX XXXX XXXX owned account at BMO Bank XXXX XXXX XXXX XXXX XXXX, IL XXXX. The purpose of this transfer was to transfer funds from my checking out into my brokerage account with XXXX XXXX XXXX. I followed the instructions on XXXX XXXX XXXX website that instructed to send a transfer to BMO Bank routing : XXXX XXXX XXXX acct. num. XXXX.
XX/XX/XXXX I contacted XXXX XXXX ( via email and via phone XXXX ). to see if my funds were available.
XXXX phone number is 'unofficial ' and they do not answer the phone. They are supposed to return voicemail but they never do. They do usually respond to XXXX.
XXXX XXXX stated they could not located the funds.
I contacted XXXX : they said the transfer was successfully sent to BMO ( XXXX ).
I contacted XXXX XXXX again and they asked me to get from XXXX a trace number to locate the funds.
I contacted XXXX and got the trace number.
I contacted back XXXX XXXX and they would not be able to locate the funds with the trace number. XXXX XXXX recommended to cancel the transfer.
XX/XX/XXXX I contacted XXXX to cancel the transfer : I was told it was too late because it was already received by BMO. So they suggested to file a dispute with 40 day resolution timeframe.
I contacted BMO 3 times. They said : 1 ) they can not find an acct. num. XXXX with their bank 2 ) they can not disclose information on their customer ( XXXX XXXX XXXX ) 3 ) they can not find anything with trace number ( XXXX ) which XXXX has provided.
XXXX XXXX XXXX is now not responding to my emails. I left another voicemail and they are not calling me back.
|
| 01/11/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I opened a Platinum Checking and Money Market account with BMO Harris Bank ( Address : XXXX XXXX XXXX XXXX, XXXX, WI XXXX ) ( Phone : ( XXXX ) XXXX ) on XX/XX/2019. I completed the requirements of the ongoing promotion which said - 1. Get a {$400.00} bonus for completing the following activities with a new checking account in the first 120 days a. Have a total of at least {$6000.00} in qualifying direct deposits.
b. Enroll in BMO Digital Banking and set up paperless statements.
c. Make at least 10 qualifying electronic transactions.
2. Get a {$200.00} bonus when you open a Platinum Money Market account, deposit at least {$10000.00} in new money and keep it for 90 days.
3. Get a {$100.00} bonus just for opening a checking account and a Platinum Money Market account While I got {$400.00} for the checking account but I did not get the promo money {$300.00} for point 2 ( Platinum Money market ) and point 3 above. When I enquired I got to know the banker applied promotion only for the Checking account and forgot to apply promotion for the Platinum Money Market account. Subsequently I had several communications ( telephonic and personal visit ) with the banker and the bran
ch manager at the branch. They agreed to their mistake and said besides me there were around 4 -5 more people affected.
They wrote to higher ups and are still awaiting an approval for manual payout since the promotion period had ended.
I also followed with online BMO customer care and they too accepted the mistake and regretted it. But told me that only the Branch where I opened the bank account can rectify the mistake and release the pending {$300.00} promotion amount.
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| 04/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I purchased my car insurance through my XXXX XXXX XXXX Harris Credit Card.
My car insurance gave me a refund through the credit card for nearly the full amount. I carried a credit balance on the card for months.
on XXXX the XXXX of this year I noticed that BMO harris mastercard had posted a " Credit card Balance refund '' for {$340.00} which was the outstanding credit balance I had on the card.
I called and inquired. I was told they mailed me a check for the amount. I verified they had the correct address.
i never received the check. Never cashed it. I called back. They said they would mail me an affidavit to complete and return so they could re-issue the check.
I never received any mail. Called back again. Verified address every time. I repeated this process 3 times, never received any letter. They are not sending me this document to reissue the check.
I escalated to a VP i knew. He said he would help. I got an email from them today with an " attachment '' asking me to fill it out and return the document " notarized '' to them. The attachment was obviously incorrect and did not have any area for me to fill out. Almost as if they attached random documents they had on their computer.
This process is ridiculous. This lender has stolen from me and refuses to give me my money back. I keep getting passed around and I refuse to go to a different local bank to notarize a document where I swear I haven't received or cashed their check. A document that they can't even provide. They should know if i had received and cashed their check. The only checking account I have is with this bank as well. I am stuck. They have stolen from me.
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| 11/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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BMO bank made a derogatory report to credit bureaus.
1. After making an online payment for a BMO credit card on XX/XX/XXXX, I received a confirmation number.
2. On XX/XX/XXXX I made another scheduled payment and received a confirmation number.
3. On XX/XX/XXXX I received a letter from BMO that was written on XXXX of XXXX, stating my account is late and payment is due in 2 days!
4. Calling BMO customer service/collection department, I was advised the XXXX payment was not received.
XXXX representative also said that " ..she can see payment attempt was made with XXXX XXXX. but due to the fact they were changing from Bank of The West to BMO, there were a technical issues on their end and the payment did not get properly credited to the account '' She said that if I make the payment again, while on the call, the account will be all sorted out.
Asking about derogatory report to credit bureaus, she replied there are none.
5. Though the error is clearly BMO 's, they took liberty on XXXX of XXXX, having been paid twice yet only processed one payment for XXXX, to file a derogatory report on XX/XX/XXXX.
In 33 years of having credit history in the USA, I have not had a single late payment.
Summary : XX/XX/XXXX BMO issued confirmation of payment # XXXX [ this is they were having technical problems processing due to change from Bank of The West ] XX/XX/XXXX BMO issued confirmation of payment # XXXX XX/XX/XXXX BMO issued confirmation of payment # XXXX [ replacement for XXXX XXXX, made with customer service ] BMO should issue an immediate retraction of derogatory report to all bureaus and send me a copy of the action taken.
Thank You!
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| 04/27/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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On XX/XX/XXXX I received my checking account statement from BMO Harris Bank and noticed my account had a XXXX balance and that BMO Harris had assessed a " Service Charge '' of {$1.00} and upon reviewing previous statements discovered that they had recently assessed maintenance fees depleting the account of its nominal balance. I called BMO Harris on XX/XX/XXXX and the first person I spoke with said they had changed the terms of my account and that now I would be assessed a service fee but if I chose a different kind of checking account she would credit all of the service fees back to that account. When she tried doing this, she discovered that BMO Harris had unilaterally closed the above referenced checking account and that because it was closed she could not credit back the money BMO had wrongly taken from my account ( despite her willingness to do so but for the account being closed ). She then transferred me to " XXXX '' who told me that there was no way to get my money back. When I asked him for the names and addresses of BMO Harris ' regulators he said that he did not have that information to give out. He also said that there was no one for me to talk to about getting my money back. The first representative did tell me that my XX/XX/XXXX bank statement disclosed that BMO would start charging fees ; however, in describing the new checking account she was going to try to get me in, she said the new account did not have " hidden fees '' or " hidden terms '', thus acknowleding that BMO Harris did in fact hide the fees that they were going to start assessing the account they subsequently closed after they drained the money out of it.
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| 06/27/2021 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Can't close your account
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Web |
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I have checking and savings accounts with BMO Harris, which I rarely interact with. Had around $ XXXX {$700.00} balance in both accounts combined. My accounts were no maintenance fee accounts. Hence, I was not concerned with putting more money in the account. BMO Harris decided to add a minimum balance requirement and change the fee structure of the accounts and started charging me monthly maintenance fees without due notification. I was told that it was disclosed as a statement message. I decided to close my accounts. I called multiple times to BMO Harris and tried to close my accounts - they closed my checking account with one representative warning me that the account will be closed but might reopen on its own if a transaction posts to the account and would result in overdraft fees which I will be liable to pay. To which I asked the representative to make sure no transaction posts/decline all transactions - I was told that it can not be done, I am responsible to make sure no transaction can post to the account.
My savings accounts with a balance of around {$300.00} was not closed, and then, I realized there was a debit transaction equal to balance, that made the account balance XXXX. When I called for asking what this transaction was, I was told I failed verification, I was told they sent me a text to my mobile phone for verification, which I never received. I asked the them to resend the text, which they declined saying its a one time thing regardless of why the text message could have failed to deliver. Now I am being asked to go to a notary and get my id verified. I can not expose myself to COVID trying to get my id notarized.
|
| 11/01/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Payment process
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|
Web |
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This is follow up to complaint XXXX which I have previously indicated the company response was insufficient.
Due to BMO taking TWO Payments in XXXX, there is now insufficient funds in my account for the XXXX payment of approximately XXXX. There is a XXXX external transfer pending of XXXX, the request was initiated automatically through BMO on line banking ( as it is every month ) on XX/XX/XXXX. As I indicated in my last complaint : 1 ) why does it take up to three business days to transfer and credit funds and 2 ) this is a scam to charge late fees. Due to the fact that my incoming transfer will not arrive in time, I am afraid BMO will use this as an excuse to charge me an Overdraft fee or late fee or BOTH.
Once again I turn to the issue of security questions. I supplied my loan number, social security number, zip code, property address and phone number. The last question was 'what is the term of the loan '. I answered 'a 15 year HELOC ' which XXXX found to be unacceptable. He wanted to know the remaining term based on the account opening. WHO IN THE BLOODY XXXX KNOWS THAT? Again I must say that these questions are onerous, offensive and designed to prevent inquiries being made on accounts. I informed XXXX XXXX we just got off the phone ) that his questions were overbearing. He told me I would have to call back later ( which would accomplish what? ) or go visit a branch. It so happens I am not near a branch and they would probably ask the same questions, so again I ask-to what end would that accomplish?
I find this entire affair with BMO to be completely frustrating and the lack of cooperation from the BMO side is AMAZING!!!!!!!
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| 10/08/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
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Web |
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Dear CFPB and BMO Harris, I applied for a new BMO Harris Smart Advantage Checking account and a new Statement Savings account on XX/XX/19. At the time, BMO Harris advertised a {$300.00} bonus for the checking account and a {$200.00} for the statement savings. ( I have attached a print out of the application page that confirms the promo code was attached to my application. ) Both accounts were opened on XX/XX/19.
The terms and conditions for the bonus, which I also provided as an attachment, specify that " the bonus is paid approximately 120 days after opening. '' Since more than 120 days had passed since my accounts were opened, I contacted BMO Harris via secure message to get an update and inquire about my pending bonuses. For your review, I have attached my secure messages.
A representative of BMO Harris claimed that I have met the requirements for the Statement Savings {$200.00} bonus, however, that I did not meet the requirements for the Smart Advantage Checking {$300.00} bonus. For your review, I have attached the first two statements for the Smart Advantage Checking account which clearly show the required opening minimum deposit of {$25.00} was made, the 10 debit card purchases within 90 days of account opening were made and that the PPD deposits over {$500.00} were made on two consecutive months to meet the requirements for this bonus.
I decided to file through CFPB upon discovering of numerous complaints online regarding BMO Harris ' reputation for not issuing bonuses to depositors who have met promotion requirements. If any party would like additional information or evidence, kindly reach out to me. Thank you very much.
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| 03/02/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Money was not available when promised
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|
Web |
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Consumer Financial Protection Bureau cc ; BMO Harris bank XX/XX/XXXX Dear XXXX I XXXX XXXX opened online a checking account # XXXX with BMO Harris Bank an account on XX/XX/XXXX with initial deposit of {$50000.00} via ACH from my account at XXXX XXXX in XXXX NY where I reside.
On XX/XX/XXXX I requested thru my Account login at BMO Harris Bank to close my account and mail me a check to my name and mail it to my address, in return I was told to do it thru a secured procedure I have tried several time but the procedure does not get completed.
Attached is the screen shots of various tries to send them the documents they requested but could not complete the transfer.
I requested several times help from the bank to assist me but mysteriously I get disconnected, from my 20-30 calls that I initiated to the bank for the last 15 days I could not get the same person and can not get the procedure completed to their satisfaction.
I tried to get back my money thru a ACH transfer to the same bank where BMO Harris Bank received the fund from.
I believe that BMO Harris Bank is trying to prevent me from taking out my money in a very unfair disgusting way. Some of the persons who answered my call were very rude to me and refused to help me they just hung up the phone on me.
I am attaching my notarized drivers license with the notarys Business Card.
I am attaching copies of several checks that I received the last 2 weeks, just by making a phone call.
I am attaching my current checking account where it shows several ACH transfers.
I demand to get my money from BMO Harris Bank ASAP XXXX XXXX XXXX XXXX.
XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX
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| 10/19/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
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|
Web |
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I opened a Premier checking account with BMO Harris on XX/XX/2021 through a promotional campaign BMO had on their website. The promotion was for a {$400.00} account opening bonus if the consumer completed the following conditions : a ) setup a direct deposit with BMO, b ) deposit {$7500.00} or more within 90 days.
Despite meeting these conditions, I never received my account opening bonus. This XXXX, I called BMO Harris several times at XXXX to follow up. Each time I called, there was a 20 min wait to even get to a customer service rep. Even after getting to the rep, I was bounced around to various departments - everything from sales to servicing. After the third call, I finally got to an agent who could look into my file.
BMO claimed that when I went through their online application, the " promo code '' was not filled in. I explained to them that I applied through a promotion they ran directly on their website. I did not see any promo code requirement nor did I see a place to enter a promo code on their online application. Furthermore, I asked them even if there was a promo code, why wasn't it pre-populated on the form for the consumer especially when I applied through BMO 's promotion advertisement directly?
Finally, since this was their " Premier '' account, BMO charges a monthly service fee if the account balance is not at least {$25000.00}. I was actually charged these fees for several months because my balance was under {$25000.00}.
I am filing this compliant because I feel BMO ran a very deceptive ad campaign. Given how messy this whole experience was, I suspect other consumers have also incurred financial loss.
|
| 12/13/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
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I opened a savings account with BMO XXXX XXXX and recently tried to make a withdrawal, but my request was rejected by the bank because they said an account freeze was in place due to potential fraud. I verified all necessary information, and although the customer service rep. agreed everything looked fine, she told me she doesnt have authority to unfreeze my account and that must be done by the fraud team. Unfortunately, no one picks up the fraud teams phone and it goes to a completely full voicemail. Ive now called three times back to customer service, who tells me they cant help me and they transfer me back to the fraud team, which doesnt pick up the phone and has full VM. At this point, I filed a complaint with customer service and just want to close my account, and transfer all money back to the funding account, but they told me that until the fraud team takes action, they cant help me. Even worse, I received an email that my password to my account was changed due to my request, while on the phone with customer service, but I never requested it be changed. When I called back to customer service angry that it was changed, the representative apologized, saying she was the one who changed it and she should have asked permission first. She said that she did it according to internal bank policy in order to open a ticket so the fraud team can help, but I never authorized her to change my password. So now, I dont have access to my online account, the bank has frozen my money, no one in customer service can help, and no one on the fraud team is accessible. Please help! Its right before XXXX and I need access to my money.
|
| 05/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
Servicemember |
|
I made several attempts to close my checking account with BMO Harris bank through their main customer service number since I do not live near a local branch. I also requested all of my account statements since the statements do not load online ( which BMO Harris main customer service line admitted is a " known issue '' ). I finally was able to get my request to close my account ( and have a cashier 's check mailed to me at no cost ) as well as receive my account statements sent to me ( for free ) on XX/XX/2023. As of XX/XX/2023, I had not received anything, and my account still showed open online. I called the main customer service number, and they told me that my request was cancelled on XX/XX/2023. I asked why it was cancelled, and they would not tell me. I then called the branch in XXXX ( closest to my home of record ). The branch representative told me that they can not close my account without me coming in person ( which is impractical due to distance and a current military commitment ), and they would charge me for account statements despite them not being available through their website due to a " known issue '' on their part. The branch representative told me that to close my account remotely, I had to call the main customer service number. I asked her to assist me with this due to their refusal to close my account on prior occasions, and the branch representative told me that she was too busy to assist me due to " appointments. '' I told her that I needed to speak with a supervisor before filing a complaint with the CFPB, and after 25 minutes on hold, the call was disconnected. I did not receive a call back.
|
| 10/04/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
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|
Web |
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On XX/XX/2019 I received an email from BMO Harris Bank inviting me to open a Statement Savings account and offering me a {$50.00} cash bonus after qualifying transactions. The email stated : Get a {$50.00} cash bonus. Well reward you with a {$50.00} cash bonus1. Heres how : 1.Between now and XX/XX/2019, open a Statement Savings account with a minimum of {$1000.00} in new money 2. Maintain at least {$1000.00} in the account for 120 days, and you'll receive a {$50.00} bonus. On XX/XX/XXXX I applied for such account using the promo code XXXX that was sent on the invitation email. Later the same day I received a confirmation email informing me that my account had been opened and that the {$1000.00} opening deposit from my external bank has been completed. The deposit posted on XX/XX/XXXX, I waited 120 days as the terms of the promotion stated but my {$50.00} bonus never was credited to my account so contacted BMO Harris Bank on XX/XX/XXXX through their websites secure message and the next day rep. XXXX replied my message and confirmed that I had met the requirements, however he said that he needed to escalate the bonus inquire but first I needed to call customer service and provide an statement of my external account I wasnt sure what he meant by escalate the bonus inquire so I replied back saying that that providing an statement of my external account was not mention anywhere on the terms and conditions of the promo but never received a reply. This is really frustrating because they lure you into opening accounts offering bonuses and then give you the run around when is time to pay, even though I meet the requirements.
|
| 01/03/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
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I have had BMO since XXXX. I DO NOT have overdraft protection on my account but yet if I am low in my account and a payment is coming out they still let it go through and I am always going negative in my account when this happens. Why is BMO allowing this? this is not fair to anybody who is struggling right now during hard times, The most recent payment was for {$350.00} which is for my XXXX XXXX payment. I only had {$300.00} and some change in the account and they allowed it to go through and now I am - {$50.00} in my account. I want an audit done on this by BMO since I have had them and I want to see how much money they caused me to go negative since XXXX. Now I have no money till XX/XX/XXXX when I get paid next and now I will be {$50.00} less once my direct deposit goes in. This is down out right and dirty for a bank to keep doing this and not doing the right thing by saying " Sorry, you don't have enough funds in your account to cover this '' Then I can call the creditor and make arrangements with them. I had two people on the phone today, one this morning saying that the money won't be taking out as I see you don't have enough in your account and it should just fall off. I get an email stating that the payment did go through from the email I got from my Trustee 's office stating it on the way. I call back this afternoon XXXX and a gentleman from BMO even stated the transaction should have never gone through as I DON'T have overdraft protection on my account and he apologized for the inconvience. I want a full audit done as I want to see how much this bank cost me over the years with their unethical practices.
|
| 04/11/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
Older American |
|
See the attachments for : -Bank of the West notification to me of a breach in my online banking account.
-Bank of the West Complimentary Service Offer for one year subscription for " Identity Guard '' credit monitoring and theft protection service.
-Redemption Code and instruction to self enroll by XX/XX/XXXX.
- ContacXXXX number for Questions.
- Features to include " 3-Bureau Credit Report and Scores ( provided by Credit Expert )... etc.
- Signatory on the letter by " Corporate Security Office, Bank of the West '' I enrolled in late XX/XX/XXXX.
- I attempted to access and review my account in late XXXX or early XX/XX/XXXX.
- The account was empty of any data other than my contact information.
- Identity Guard explained to me that Bank of the West " had not paid '' for the service. And instructed me to call Bank of the West.
- After a half dozen phone calls and hours on the phone ( various dates ) with BoW customer service people and supervisors on XX/XX/XXXX I was told by a woman in Online Banking that 1 ) they had found the letter, 2 ) were working on it and would be in touch with the resolution.
- I followed up on XX/XX/XXXX. After 45 minutes of discussion with underlings I am told by " XXXX '' in XXXX Banking that they have no such letter and the issue doesn't lie with Online banking, plesse call the number provided in the letter. He then hung up on me.
- I called the number in the letter again. For the third time they transferred me to Online Banking.
8 months after the breach I still have not received the monitoring services or even a phone number for the office that sent me the letter.
|
| 09/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
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I was a BMO Harris Bank customer, and my account consistently maintained a positive balance. As a server, I made regular cash deposits to ensure the account stayed in good standing. However, in 2018, I faced a significant problem when my XXXX was hacked, leading to data and financial losses. When I noticed the compromise, I immediately contacted BMO Harris Bank and informed them of the situation. They locked me out of my account, but I later discovered unauthorized activity that occurred after I had been locked out. Despite multiple attempts to reach out for clarification and resolution, I was unable to dispute the activity or get in touch with someone who could assist me. This situation had a severe impact on my credit, financial stability, and overall peace of mind. I want to emphasize that I was not the one responsible for this fraudulent activity. I had robust security measures in place, such as Face ID and frequent password changes, to protect my account.Now, years later, I have become more knowledgeable about securing my devices and financial information. However, I remain dissatisfied and disappointed with how BMO Harris Bank handled this incident. They not only locked me out of my account but also failed to provide the necessary support and resolution.I am requesting a thorough review of this case, the reopening of my account, and the reimbursement of funds lost due to this incident. I hope this matter can be addressed promptly, as it has had a lasting negative impact on my financial well-being.Please let me know if you need any additional information or documentation regarding this situation.
|
| 05/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
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Per the Indiana XXXX website the lien holder listed for my XXXX XXXX XXXX is BMO Harris Bank. I called BMO Harriss auto loan division to request a release for the title on XX/XX/XXXX. I requested the release electronically and was told I would receive it right away. I called back on the following Monday and was given no information about the status of my request for release, just that an additional release could be submitted and that it would be 4 business days. I called back on Friday ( XXXX XXXX and was given no information again from the first representative I spoke with, just that another release could be placed and it would take 12 business day. I asked if there was anyone else I could speak with that may have more information on the request or could help me expedite things as this is a time sensitive manner. I was not given any other options on transfer, no explanation, and no further help. The only response I received was Thats just the way it is and then the representative stopped responding to me at all. It was the worst customer service I had ever received. I hung up and called back to BMO Harris is hopes I would get more help from another representative, my second representative was able to see the status of my request, that it was unable to be processed and I was given a number to call with no further information. This number led me to XXXX XXXX, after speaking with multiple representatives they could not find any account or information about me. I was told by XXXX to reach out to the FDIC and then referred here by the FDIC. As of writing this I have still received nothing from XXXX XXXX.
|
| 12/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
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I was a Bank of the West customer, which merged into BMO. I had a person XXXX me money using my mobile number. Previously I have used XXXX with another financial institution which I have not had for a year as well as with Bank of the West. When I received the XXXX payment on XX/XX/2023 at around XXXX I got a text message to enroll with XXXX through my financial institution. I went on the BMO website and enrolled with XXXX through BMO. I received an email from BMO welcoming me to XXXX. On the BMO website meanwhile I was given an error, that my phone number was previously used at another financial institution and therefore I can not use it with XXXX on BMO. I contacted BMO support they told me there is nothing they can do without previous institution releasing my phone number or " token '' from XXXX. I contacted my previous financial institution. They told me my phone number had no XXXX profile with them. They gave me XXXX 's customer service info. I contacted XXXX customer service. They told me my phone number was not associated with any kind of XXXX profile and I was free to use it with any institution I wanted. I contacted BMO again to let them know of this information. They told me there is nothing they can do, that I should register a new phone number ( I only have a single phone number ) and then have the person re-zelle me with this new telephone number. They hung up on me multiple times after I told this this was not a possible option. My transaction is now sitting in XXXX waiting to be claimed. BMO will not do anything about it, meanwhile XXXX is saying that this phone is free to be claimed.
|
| 11/29/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
Servicemember |
|
When I attempted to apply for an online account with BMO Alto I was denied. When I called there is no path forward, nothing to do. The email I received stated no reason but encouraged to apply again if there could have been a mistake. So the second time my husband applied as the account owner and me as the co-applicant. He was immediately approved and I received the invite to apply as co-applicant. As soon as I completed my application I was denied. No reason for the denial in the email received. So I spent over an hour on the phone this morning waiting for customer service and trying to get a path forward. They told me there must have been a mistake in my information, so we went over all of it and it is all correct. They told me my identity could not be verified and therefore I was denied. When I asked what I needed to look into to find where the misunderstanding is I was told there is nothing to be done and that they could not verify my identity therefore I could not have an account with their institution. As an employee of the Department of Defense, I know that my record is clear and there are no issues. Yet, they just stated I was denied and that my husband could manage the account and I could be a beneficiary. I responded that it wasn't acceptable for us and that we both needed access to our account as equals. Then I was told there was nothing they could do, therefore they basically have excluded me from their services despite the fact my record is pristine and my credit is stellar. Would like a resolution. If I can not be on the account we will not be transferring a XXXX into the institution.
|
| 09/27/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
The bank is supposed to offer a {$200.00} bonus for opening an account and receiving 2 direct deposits from an employer of more than {$300.00}. I completed these requirements, and the bank is refusing to honor the promotion. Ive spoken with the bank 4-5 different occasions, each time they come up with a different excuse. They have resorted to making up requirements beyond what is stated in the terms and conditions for the offer ; for example, their latest excuse is that i do not live in a state where they have a branch. It is true that in their offer terms, one requirement is that I must live in a state where they have a branch. However, on the day that i applied, XX/XX/XXXX, this state requirement was NOT listed. it was only listed AFTER i applied.
To be specific, XX/XX/XXXX account opened XX/XX/XXXX direct deposit from paycheck of {$550.00} XX/XX/XXXX direct deposit from paycheck of {$550.00} " 2 ) Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. We reserve the right to request documentation that the direct deposits qualify. Offer is not available to existing BMO Harris personal checking customers ( including signers on joint accounts ) or those who have closed a BMO Harris personal checking account within the past 12 months. Offer can not be combined with any other offer and is limited to one per account. We reserve the right to amend or cancel any part of this offer. "
|
| 10/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
Servicemember |
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BMO savings/checking account had several transfers going in and an ACH had processed for XXXX. The debit processed and posted, leaving account temporarily at a negative. The receiving merchant, XXXX XXXX XXXX, recorded the payment. No chargebacks or requests were filed on my end or merchant. 2 days later, as deposits were starting to post, the {$420.00} was posted BACK to acct and hold. I sent a detailed message to BMO regarding incoming transfers and the overdraft and asked why that payment had been rescinded. XXXX XXXX XXXX corporate office had the payment as POSTED and current. Their app showed now the acct was past due, even though the corporate office showed payment. XXXX XXXX XXXX forwarded the notice by me to their appropriate department with investigation # XXXX. I have been a timely paying customer for 5 years. This problem occurred when I switched to XXXX in order to attach bank to a family trust. I never heard back from BMO. 12hrs after I messaged in detail about why funds were being pulled back after posting, the BMO acct was closed without notice, with deposits in it. I immediately had my main bank cancel ALL out going transfers that had not posted. Unlinked BMO. Now I have pending transfers stuck in limbo. BMO never responded, answered my concern and notice. Just made the acct unaccessible and closed with money in it. XXXX XXXX XXXXXXXX never requested a return. I didn't request a return or dispute. I also had another utility payment sent back during this time. This caused merchant acct to go past due end of week after original payment, though overdrawn at the time, posted complete.
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| 10/16/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
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Web |
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This is related to complaint number XXXX submitted on XX/XX/20. I have not yet received a response to my initial complaint.
I contacted BMO Harris Bank on XX/XX/20 to find out where my debit card or bank statements were for my checking and savings accounts. I deposited {$3000.00} with BMO Harris Bank on XX/XX/20 and have no access either online or by phone. Please see previous complaint.
When I contacted BMO Harris bank today ( XX/XX/20 ) I asked for assistance with my accounts and was told I needed to go to a branch. I told the CSR that I am affected by COVID-19 and am in the State of New York for an indefinite period of time and the branches are located in the XXXX Illinois area. The CSR said she could not give me any information on the accounts and abruptly ended the call.
At this point I dont how to proceed. I am extremely concerned that I have lost my {$3000.00}. I did not receive a phone call, email or USPS mail about my {$3000.00} and have no way to access my money. I do not have a debit card to access my money, I am stuck in the State of New York because of COVID-19 for an indefinite period of time and BMO Harris Bank refuses to talk to me about my accounts.
I am very concerned I will have to drive or fly to the XXXX area to get my {$3000.00}. Its very possible I could have long term health damage because of BMO Harriss irresponsible behavior. Additionally due to the COVID-19 pandemic, if I traveled to XXXX, I would need to quarantine upon my return to New York for 14 days. BMO Harris is causing enormous hardship and emotional distress because they are withholding my {$3000.00}.
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| 11/02/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
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Web |
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I applied to open an account at BMO Harris on XX/XX/2020. At the time of my application, I signed up using a promotional code that promised a bonus upon the completion of certain requirements. These requirements can be found here : https : //www1.bmoharris.com/api/us-banking/secure-message/customer/conversations/5f7b536c7324033affe4ad04/attachments? url=7C7769BA-D9AE-4DD0-B0D4-3CE580A376C7 & type=pdf & filename=promo031820 My account was not initially opened, as they needed to verify my address. However, after I sent in my verification documents, my account was opened. However, this occurred after XX/XX/2020, which was the last day of the promotional period. Therefore, BMO Harris is now claiming that the promotional code that I applied is not applicable and that I am no longer eligible for the bonus.
I have already started the process of completing the bonus by changing my paycheck direct deposit to BMO Harris and depositing the required amounts for the Money Market bonus. I believe I am eligible for this bonus because I completed my application within the promotional period, the fact that BMO Harris couldn't verify my information is not my fault. My account should not have been opened if I wasn't going to be eligible for the promotion and it should have been clearly stated that I wouldn't receive the bonus BEFORE the account was opened.
I have reached out to BMO Harris numerous times and they confirm that I am not eligible for the bonus and they could only retroactively apply the promotion if there was an error on BMO Harris ' end, which they are claiming there is not. I believe there is.
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| 04/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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BMO Harris is refusing to release the lien more than 10 days after loan has been paid off ( acct # XXXX ). BMO Harris has made the process of paying of the loan extremely difficult, with policies that limit the options available to pay off the loan. On XX/XX/2023, I followed the payoff process ( provided by BMO ) and had my bank send a check for payment in full ( per the payoff ). On XX/XX/XXXX, I was informed that BMO returned the check to my bank ( with no explanation and no attempt to take payment ). I called BMO and was able to process a bank transfer ( for a higher amount ) that satisfied the loan. On XX/XX/XXXX, I received email confirmation from BMO that the account was paid and closed. I was then unable to access any online account information. It is now XX/XX/XXXX and I have not received my title. I called BMO and was told that they do not initiate a lien release until 17 business days after the loan is paid off. I informed the agent that that was not compliant with the PA ELT program, which requires the lien request be released electronically immediately upon payment. They said that they did not need to comply with PA law and that they only follow the bank policy. I would have to wait. BMO also refused to send me a letter showing the debt paid in full. This would allow me to get the title reprinted at the PA DMV ( for {$58.00} ). I spoke with the PA DMV and was told that without the released title or letter of payment, the bank was holding me XXXX ( their words ). The actions of BMO are unconscionable and place an undue burden on the consumer, after the loan has been paid in full.
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| 04/14/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
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I opened a high-yield savings account with BMO in early XXXX of this year. It advertised a daily external transfer limit of {$10000.00} and a monthly limit of {$25000.00}.
After repeated problems early on with making deposits, including my account being frozen multiple times with no explanation, and waiting days each time for the hold on my account to be released and get back access to my funds, on XX/XX/XXXX I made my first-ever withdrawal from the account for the daily maximum limit amount of {$10000.00}. The following day, I scheduled a withdrawal of {$7200.00}, below my daily maximum limit, and clearly below the {$25000.00} monthly limit.
I received an alert on the XXXX that my transfer had been canceled for exceeding my limit. Sure enough, the app showed my daily limit still as {$10000.00}, but my " remaining today '' limit was {$5000.00}. I used the chat feature in the app to speak to a representative. She was unable or unwilling to explain why my daily limit had been cut in half after the first time I'd ever withdrawn my funds from my account. She would only say, " You can only transfer 5k, you can not go over the 30-day limit. '' Which of course makes no sense because I wasn't close to going over my 30-day limit.
I don't have the option of going to a branch to get my money ; the nearest branch is hundreds of miles from me. I need to be able to access my funds through their online banking.
I feel as though BMO is arbitrarily blocking my from accessing my own money, and violating their own terms of service. I need to pay my taxes, and now I will not have the money in time.
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| 04/06/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
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Web |
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On XX/XX/XXXX a XXXX XXXX arrived to my bank account from a construction company. As this money was sent to a personal account my account advised me to call the banks and reverse the transaction.
The incoming transaction for {$5000.00} was initiated by XXXX customer to my Personal Bank account.
On XX/XX/XXXX {$5000.00} was deposited in my account. Then, On XX/XX/XXXX I called BMO to reverse the transaction of {$5000.00} back to XXXX XXXX. BMO stated that they would reverse the transaction and the other party would receive it in 7-10 days. They gave me a XXXX XXXX Case Number to give to my customer.
My customer filed a non-fraud dispute with XXXX. They have no record of the refund. The {$5000.00} was stolen by BMO Harris Bank or XXXX XXXX ( third party servicing department ).
I want my {$5000.00} reimbursed to my account as it is Fraud plain and simple and no one can give me a clear answer as to where my money is in transit anywhere.
For the past 30 days, I have tried to resolve this. I was given case # XXXX by BMO, apparently, this is a XXXX XXXX case number. If BMO initiated the CASE then they can reverse it. However, they are saying only XXXX can do it. However, XXXX has stated there is no CASE # XXXX. So who is lying?????? Or they are using different systems and BMO, the initiating party lost my money. You can't send money and not be able to retrieve it and hold me responsible. Had I initiated the transfer personally I would be responsible. I would like to get this money returned to me as I have spoken to my accountant and he says we can work it out on the accounting side.
|
| 04/14/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
On XX/XX/2021 mortgage was paid in full. On XX/XX/2021 a mortgage payment of {$860.00} was withdrawn from our account causing an overdraft. The bank was called and the mortgage paid in full on XX/XX/2021 was acknowledged. I was directed to discuss the matter on XX/XX/2021 with the mortgage company. They directed me back to the bank as there was no longer a mortgage and they did not do the withdrawal. I called BMO Harris and was then directed to my bank in XXXX XXXX AZ. I asked for the Manager XXXX ....? and was told she was busy and would call back. This was XX/XX/2021. A gentleman called me back. I explained the situation and the now updated account with an additional {$36.00} overdraft charge. He told me this would be taken care of, and within the next 48 hours the Overdraft would be reversed and the {$860.00} would be returned to our account. On XX/XX/2021 nothing had been corrected. I again called BMO Harris in XXXX XXXX and asked for the manager - XXXX ...? I was told she was busy and would get back to me. The same gentleman called and said the correction and overdraft would be corrected in 72 hours. On XX/XX/2021 there are now overdraft charges to the sum of {$56.00}, the payment has not been refunded and the manager is out of the office.
I want the payment returned and all Overdraft charges reversed. I do not understand where this money would have gone as there is no mortgage account to pay? Is this theft? Fraud? I am not sure. A simple computer mistake because of dates is acceptable. This has gone on far too long to be more than a 'clerical ' error - in my opinion.
XXXX XXXX
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| 10/16/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
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The evening of XX/XX/2021 I used a XXXX XXXX ATM to deposit cash I had taken out to buy a lawn mower private party, but the deal fell apart. Anyway I withdrew {$5000.00} that day and because I didnt buy the lawn mower I wanted to put the money back in my account as soon as possible. The ATM was # XXXX the time on the ATM receipt is XXXX. ATM location XXXX XXXX XXXX, XXXX WI. Ive used this ATM before because its less than a mile from my house and Ive used it to deposit cash before and as many as 40 bills as the machine advertises it can handle. I counted 40 XXXX bills and proceeded to deposit them in the ATM the ATM began counting the bills and once it got to 9 it stopped and presented an error message stating it would basically be not returning my deposit and that I should contact my financial institution for support. A little after this message presented itself on the screen the ATM printed a receipt and gave me my card back. For the next 4-5 minutes I sat there stunned listening to the ATM gears turning inside the machine and the ATM was unusable. Eventually the ATM became usable again so I decided to deposit the remaining {$1000.00}. This would allow me to check if my {$4000.00} was stuck in the deposit slot as well as confirm I deposited 40 XXXX bills and not 38 or 39. The second deposit went through without issues. This confirms I counted correctly and proves the first deposit had 40 bills. I have contacted BMO Harris bank and do have an open investigation with them, but this is ridiculous and I cant believe this can happen. If this happens to more people I want it documented.
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| 03/31/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
First week of XXXX I noticed unknown charges on my bank account. I immediately contacted XXXX bank and shut down my card. The BMO representative XXXX issued a report back to the bank on the charges totaling {$51.00}. Approximately two weeks later the bank sent me a letter dated XX/XX/XXXX with reference number XXXX stating the " Our investigation reveals that your card was required to be present to complete the transaction. '' This is absolutely not true. The bank rep. XXXX advised the charge that came through on XX/XX/XXXX was actually done on XX/XX/XXXX which I was not in town and had my card with me. Secondly if they truly investigated my account they would see these charges appear all of a sudden and are from a location that is quite a ways from my home and does not fall in a pattern of my checking account. I called the bank on XX/XX/XXXX and was advised to send an email to XXXX and I would hear back within XXXX hours. I waited until XX/XX/XXXX and called BMO again. I spoke with a BMO manager named XXXX who advised she would escalate and call me the next day. That call never came. Today XX/XX/XXXX I called and spoke to a manager named XXXX who advised she spoke with processor and they can TELL that my card was presented at location. This is not true for these charges on my account are absolutely fraudulent and my card is with me at all times. BMO bank has offered NO PROOF that my card was present to make these transactions. I had a total of {$51.00} stolen out of my account with absolute no funds protection by my bank that I have been a loyal customer to for over XXXX years.
|
| 09/03/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
about 7 months ago my checking acct ending in XXXX at bmo harris bank in XXXX XXXX, illinois XXXX received {$1000.00}. from somewhere. i tried to find out who had sent the funds but could not. over the next few months I spent the {$1000.00}. in about XX/XX/2021 my bank received a federal complaint that some lady sent the {$1000.00} to my acct by error, the harris bank agents arbitrarily froze all my accounts I had with them. This freezing of my accts at bm harris caused substantial numbers of my checks to bounce etc. resulting in substantial penalty fees such as returned check fees, overdraft fees etc, I am still paying for those arbitrarly frozen accts and their returned check fees etc. the m harris bank also arbitrarily withdrew the supposed {$1000.00} from my acct as well w/o consulting me or even investigating whether this {$1000.00} was actually sent to my acct in error or possibly simply to cause me financial problems such as overdraft fees etc i am a senior citizen, XXXX yrs old. and on a limited fixed income.also, i had to take early retirement from my teaching job due o an accident possibly a " hit '' because I called the illinois child abuse hot line .i believe I was unnecessarily charged substantial returned check fees etc amounting to about {$2000.00} per acct at bmo harris bnk . will you please help me recover those fees resulting from bmo harris employees arbitrarily freezing my accts causing substantial extra returned check fees etc and returning the {$1000.00} taken from my acct w/o asking me or properly investigating who this lady was, her motivations etc.. e
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| 10/19/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
On XX/XX/XXXX I opened an account at BMO Harris Bank. The checking account number is XXXX.
I was enticed to sign up using a promotional bonus of {$200.00}, payable with these terms : " Well automatically apply the {$200.00} bonus promo code when you apply online. 2 ) Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening.
I was not excluded by any terms regarding previously being a customer of the bank, etc.
After making two {$300.00} transfers from my XXXX XXXX account on XX/XX/XXXX and XX/XX/XXXX, I satisfied the requirements for the accounts signup bonus. I waited 120 days from the opening of the account as their terms indicated would be required for the bonus to be paid, but nothing happened.
On XX/XX/XXXX, I contacted them on the live chat feature, and after reviewing my account, they explained : " After reviewing the account, I show you did not meet the direct deposit requirement. You have external transfer deposits into the account. The direct deposit have to be direct deposits of {$300.00} or more. They have to be payroll, pension, or government direct deposits.
They are insisting on excluding them because they are external transfer deposits. I believe that the deposits do qualify, as XXXX XXXX transfers can be derived from self-managed pensions, but their system does not recognise this. They are refusing to credit my account with the bonus.
|
| 01/25/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I tried to open BMO Elite Business Checking Account for my business following an online promotion : XXXX : XXXX? XXXX & XXXX & XXXX & XXXX All the information was provided and all the documents about Business ( State of Texas certificate of formation and IRS EIN number allotment certificate ) had been uploaded. Next day I got this email : Hi XXXX, Youve started an application for a BMO Elite Business Checking Account for XXXX XXXX XXXX XXXX.
To consider your application complete, the following items need to be uploaded for review. Please show us your most recent : - Business Registration Documents I called the following phone numbers : XXXX.
Transferred around 4 times and then call getting disconnected after 1.5 hours.
Then i called XXXX where I am being told that they can't get handle of my application even when I provide the reference # XXXX. I also sent an email to XXXX. I just wanted to know : What is missing or wrong?
But more than 2 hours on the phone, nobody could provide that information. Called XXXX XXXX Central time and done around XXXX XXXX.
There is no local branch where I can go.
Phone banking wants to start this process all over again- which is significant waste of time to spell everything and I won't be getting the promotion.
Sent messages to XXXX handle - same frustrating experience.
It seems BMO harris has hired some really XXXX people and left hand doesn't know what right hand is doing?
Business customers like me want to open the account but very vague messages are being sent with no human touch which is very confusing and not at all helpful.
|
| 08/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
On XX/XX/2022, I received a letter in the mail from BMO Harris Bank regarding a new savings account that was opened in my name. I did not open this account. I contacted BMO Harris immediately and informed them that this was fraudulent. I then filed a report on XXXX. A report pulled from XXXX showed that a fake California driver 's license was used to open this account. I provided this information to the BMO Harris fraud department. I never received a follow-up from them and was unable to speak with anyone at the fraud department despite trying to contact them several times. On XX/XX/2022, I saw on my credit report that a credit card had been opened in my name at BMO Harris bank. I did not open this credit card. I filed a police report and again contacted the BMO Harris fraud department and provided them with the police report number. The person I spoke with at the fraud department recognized these accounts as fraudulent. They also informed me that is was there policy to not contact consumer who filed identity theft claims and that I must contact them for updates. However, there is no direct line to the fraud department. I've called the main customer service line multiple times and even they were not able to speak with someone from the fraud department on multiple occasions. I also filed a dispute with the three major credit bureaus regarding the fraudulent credit card account and fake address used on my credit report. However, the all three denied my identity theft claim and stated that the credit report was accurate, despite all the evidence to the contrary.
|
| 01/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American, Servicemember |
|
On/about XX/XX/2022 BMO, manager Reference # XXXX on XX/XX/2022 dispute my dispute against an Authorize XXXX mobile provider, BMO paid XXXX. XXXX XXXX {$55.00} dollars for a XXXX mobile device and mobile services. I came to get a free mobile device, free talk, tex, and internet.
The store supervisor " XXXX XXXX '' said he can register me into Affordable Connectivity Program and pay a one time fee of {$55.00} dollars. He took my picture with his device, took my public assistance Link card #, He took my Illinois State I.D . and My BMO Bank card billed for {$55.00} dollars. My phone texs messages from XXXX XXXX for {$55.00} dollars. Thank You for payment {$55.00} I have the tex messages. I am not registered in Government Affordable Connectivity Program ( A.C.P ) next day I went back to store he told me to bad.
I made report to Office Of The Attorney General, XXXX XXXX, Attorney General, I was appointed XXXX XXXX, Citizen 's Advocate Consumer Protection Division, XXXX, ( XXXX ) XXXX. On/about XX/XX/2022 RE : XXXX XXXX XXXX XXXX XXXX XXXX No : XXXX Device mobile # XXXX.
I wanted a Government XXXX ACP ) not XXXX or XXXX XXXX.
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX email XXXX The BMO Manager at XXXX XXXX XXXXXXXX has been mailing partial bank statement to my address not entire month with my Social Security Direct Deposit for approxiately 3 months.
please resolve my problem and investigate. Please respond by mail. no email, no telephone with privacy.
Thank You XXXX XXXX XXXX
|
| 08/30/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
My name is XXXX XXXX I am writing in regards of disputing a denial in the account ending in XXXX.
For claim number XXXX. The dispute was initially made on XX/XX/2022 due to an error made by a Bmo bank employee from a previous dispute claim number XXXX filed XX/XX/2022. I was told that debit card ending in XXXX would be immediately deactivated and could not further be used in dispute XXXX. Only after a transaction of {$370.00} with the same debit card ending in XXXX did not deactivate debit card ending in XXXX. I continued with the dispute and was told that I was not at fault because debit card ending in XXXX should have immediately been deactivated after dispute XXXX was filed. The transactions for debit card XXXX happened seven days after claim XXXX was filed. As shown in attached photo. With notes also attached stating such reason XXXX. Employee forgot to shut the card down .. Ive received a email stating that dispute XXXX was denied and that a provisional credit of {$370.00} would be deducted from my account as of XX/XX/2022. I am here to dispute the denial of claim XXXX reason being I no longer had possession of debit card ending in XXXX. I was also told by XXXX XXXX employee that debit card number ending in XXXX would be deactivated and could no longer be used. I can not be at fault for something I had no control over. Here are attached supporting documents regarding my claim ..as shown in both disputes attached card number ending in XXXX was used in both disputes .I would like to pursue further with a complaint against Bmo Harris Bank XXXX
|
| 01/13/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
On XX/XX/19, I attempted to open an account with BMO Harris Bank online. While signing up, it requests information to fund the account from another institution, and seeks the account information for a transfer. importantly, the screen states that your money will not be transferred until you complete the application process.
When I went to complete the process all the website did was show me the information I had submitted already. It did not confirm I had completed the application, did not advise whether it was successful, and did not provide any next step in the process., 2 days later, I receive an email telling me my initial deposit of {$6000.00} was successful. Again, no information on how to access my account. To date, I have made no fewer than 11 phone calls. I have confirmed that despite the lack of information, BMO Harris did open an account, and does have my money. Unfortunately, I can not access any of my money because the bank now says it can not verify my identity and does not give out bank account numbers over the phone. In discussions with customer service, they have apologized because the failure to give the bank account number to customers is a " common problem '' they are trying to fix.
In the meantime, the {$6000.00} transfered from my XXXX XXXX XXXX account -- without even confirming that I wanted to complete the application or telling me the bank account number -- si now outside of my control and BMO Harris. Bank, will not give me access to my alleged account or my money. I have not ever been given a bank account number.
|
| 11/08/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I opened a high yield savings account with XXXX XXXX bank on XX/XX/2023. Due to issues with THEIR online banking system, when I transferred in my money to fund the account, the transfer was duplicated. I recognized the problem immediately and contacted them to have the duplicate transaction voided but they said they were unable to do this manually. It took over a week for their system to understand it was a duplicate transaction. Once this was finally resolved I realized I didn't feel safe having my funds saved with such a poorly run bank and tried to transfer my funds back out and and close the account on XX/XX/2023. They then put my account on a fraud hold.
I have now called repeatedly trying to remedy the situation by verifying my identity so the fraud hold can be released so I can have access to my funds again and to close the account. Their customer service team just keeps putting in " tickets '' to their fraud department that never get answered. When you call their fraud department, you get sent to a voicemail box that is always full and can't take new messages.
At this point I am legitimately getting concerned that I will never have access to my funds again and the money I have been saving all year to pay my property taxes next month with are in those funds! This is starting to feel like fraud itself. Any help I can get would be highly appreciated.
I went online and they are countless websites with people complaining about their horrible experience with this bank. Please someone step in and regulate their shady business practices!
|
| 10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XX/XX/23 I went to BMO Bank in the XXXX XXXX area of XXXX, Illinois. The purpose of my visit that day was to open a business banking account.
Upon meeting with a relationship specialist I was immediately given a flyer about a business line of credit product for minority companies that bank with BMO. This was unsolicited by myself. I was only there to open a business banking account.
After being hounded by the relationship specialist and branch manager about the benefits of the product BMO offers, I finally relented. I was told my XXXX credit report needed to be unlocked. I was told there would be a soft pull on my credit to determine my worthiness for product.
I was confused why BMO needed to do a soft pull on my personal credit for a business credit product. When the credit pull was performed it was a hard inquiry, which I did not want or anticipate.
Ultimately I was declined the business line of credit product. The reason was combined business and personal income was inadequate for the loan amount requested.
My issues are as follows : Never was told this product would require a hard inquiry.
Never filled out, completed or signed an application for this business line of credit product.
When I asked BMO for my completed and signed application I was never provided any documentation. Then I requested that BMOs resolution department remove the inquiry from my credit report when BMO was unable to provide my signed application for the business line of credit. The resolution team refused to remove the inquiry from my credit report.
|
| 01/27/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a BMO Harris Smart Advantage Account and a Platinum Money Market Account in XXXX, XXXX via a promotional offer that promised 1 : {$400.00} for opening the Smart Advantage Account and having direct deposits totaling {$6000.00} within 120 days of opening, enroll in digital banking, and have 10 transactions posted to the account within 120 days.
2 : Earn 2.05 % Annual Percentage Yield ( APY ) when you open a Platinum Money Market account with at least {$5000.00}.
3 : Get {$100.00} bonus just for opening a checking account and a Platinum Money Market account. You must open the PMM within 30 days of opening the personal checking account.
I'm having two issues.
1. I did all three above, and recieved the {$400.00} bonus on XX/XX/XXXX. I have yet to receive the additional {$100.00}. I have sent numerous messages to BMO Harris. I was assured at one point that I would get it by XX/XX/XXXX. Once that didn't happen, I sent a message on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All with NO response.
2. My second issue is I believe their offer of a higher APY was a bait and switch, as I earned 1.91 % on my XX/XX/XXXX statement, 1.81 % on my XX/XX/XXXX statement, 1.70 % on my XX/XX/XXXX statement, .53 % on my XX/XX/XXXX statement, and .25 % on my XX/XX/XXXX statement. I understand that they have the " right '' to lower APY, but this was deceptive of them.
I have a copy of the language that I had possession of when I signed up for the accounts. BMO sent me DIFFERENT language when trying to get out of paying me the additional interest.
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| 10/28/2019 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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BMO Harris is refusing to honor the sign up bonus I was promised when I opened my checking account. I opened my account on or about XX/XX/2019. The advertised terms were as follows : To receive the {$200.00} bonus for a BMO Harris Smart Money Account or BMO Harris Smart Advantage Account : 1 ) Mention or use the promo code when you open a new BMO Harris Smart Money Account or BMO Harris Smart Advantage Account between XX/XX/2019 and XX/XX/2019. If you use the open now link above well automatically apply the promo code for you. 2 ) 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. We reserve the right to request documentation that the direct deposits qualify. 3 ) 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 completed all requirements by XX/XX/2019 ( direct deposits and debit card transactions ) but I still have not received the {$200.00} that BMO promised in exchange. I have contacted them three times in the past three months and have been given the run around each time, although they have acknowledged and confirmed repeatedly that I am entitled to the payment -- but they are continuing to withhold payment more than seven months after I opened the account, without explanation. My correspondence with them is attached.
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| 07/29/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I paid my car off on XX/XX/XXXX. At the advise of the loan officer i was told that it would report as lien released within 48 hours or as soon as money shown as removed from my bank account. I was told by representative that she could make two checks by phone for total amount because the limit for each transaction was {$5000.00}. She drafted a {$5000.00} transaction and a {$3000.00} transaction. I was told that once the money was deducted from my account that i could get my lien released. XX/XX/XXXX i called back and spoke with a supervisor XXXX. I was told that it would take 11 day to verify funds before the lien could be released. He finally after being pressed agreed to see if he could get it done as promised. He asked me to email a copy of my bank statement showing sufficient funds to complete the transaction. I emailed it to XXXX. I received a document saying BMO Harris has no financial interest in my car. Its now the XXXX and the electronic release still has not been received by the state of Florida. I spoke with a XXXX XXXX tax collector who informed me that the lien was still in place.
XXXX XXXX stated that there was nobody above him to complain to and that his supervisor was on vacation anyway and had no idea when shed be back. Only that i could not contact her.
Spoke with a XXXX who claimed to be at the same level as XXXX XXXX. She confirmed that release of lien was no requested on the XXXX as states several times by XXXX XXXX. She stated that it was requested released a little after XXXX today after my 4 th call to XXXX .
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| 08/06/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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XXXX Behavior by BMO Harris Bank I called BMO Harris bank to inquire about the requirement for opening a new checking account. During the call I mentioned that I was a XXXX and not a citizen and the BMO Harris agent said they do not open account for people who are not US citizens. When I said that their requirements online did not say so, he said they can add their own requirements and why do I need to open an account with them anyways?
Later I checked online again and on finding no such requirement on their website, did an application online. I have to say that I regret that decision. Not only they have XXXX attitudes, they are the worst bank I have ever encountered and are set up to gouge customers on fees. I was told that I have 2 months to get set up and meet the requirements to avoid the monthly account maintenance fees. I met the requirements and by XX/XX/XXXX had more than {$1000.00} required to waive the monthly fee. But they went ahead and charged me the {$12.00} fee on XX/XX/XXXX anyway. When I called to inquire about that, they tried to bait me into opening a credit card with them. When I said no to that, they said there is nothing they can do about that. When I asked for a supervisor, they said there is no one available as they are all in meetings ( on a Sunday ) and someone will call me in 24 hours. No one called me in 24 hours, so I had to call them again and they again refused to do anything about the fees.
I request that you put this complaint so that others can see how dishonest and corrupt their practices are.
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| 07/21/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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Checking account opened XX/XX/XXXX. I am a previous customer of BMO Harris ( last account closed XX/XX/XXXX ) and have existing login credentials. I attempted to log into my new account on XX/XX/XXXX using my existing login credentials and kept getting a message that my credentials weren't matching what they had on file. I called and spoke with CSR XXXX on XX/XX/XXXX. XXXX advised that I couldn't access my online account because my initial deposit hadn't yet hit the account, and to give it a couple days ; once my account was funded, I'd be able to access it. When I was still unable to access it on XX/XX/XXXX, I called again and spoke with CSR XXXX on XX/XX/XXXX. He looked into it and couldn't determine what the problem was ; he said he would open a ticket with their tech department and he would call me back in 2-3 business days to let me know the status. I never heard from him again. On XX/XX/XXXX, I called again, this time requesting to speak to a manager. I was transferred to, and spoke with, XXXX XXXX ( her phone number is XXXX ). She also could not determine what the problem was in my accessing the account ; she said she would submit an expedited request with the tech team and she assured me that she would call me back by the end of that day. I never heard from her again. I left voice mail messages for XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and never received a return call. As of this morning, I still can not access my online account, although two deposits have been made ( one of which is a payroll direct deposit ).
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| 08/15/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX and XX/XX/XXXX Letters were sent to all 3 credit reporting agencies.
Each agency stated that they verified all accounts without providing evidence of verified account documentation. On XX/XX/XXXX I submitted a claim with CFPB and all reporting agencies stated that the information they provided were verified though i did not receive not one document of verification.
The information regarding a XXXX XXXX XXXXXXXX account i never opened with a limit of {$700.00} should not be on any of my accounts. I closed it for the reason that i never approved it to be opened and never used the credit line. This account should be deleted.
Somehow Bank of the west i have over 3 accounts with the same bank that is in collections with no verification that they are mine and i have no recollection of opening an account excluding one which has been paid and closed for the amount of {$170.00}.
On XX/XX/XXXX There is a bank of the west account that is stated by the credit reporting agency of a balance of {$2800.00}, Credit Limit {$2500.00} date reported XXXX. However, on XX/XX/XXXX reporting statement says Balance {$4500.00} and amount pass due {$2600.00}. The previous amount pass due on XX/XX/XXXX stated {$930.00} with date of reportinXXXX XXXX on each document in XXXXXXXX
There is also a NEW Bank of the West account with {$1600.00} balance due with charge off amount of {$2800.00} on credit report XX/XX/XXXXXXXX
Credit agency stated " verified account and information has been updated '' with no documentation of verification.
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| 12/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Older American |
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I have been contacting BMO bank since XX/XX/XXXX regarding incorrect distribution of my monthly payments on my RV loan. All of my payment is being made to interest for XXXX and XXXX payments. My loan was established at the time that BMO absorbed Bank of the West. I called the XXXX number on multiple occasions and was told it was a known issue during system transfer and it would be fixed. I called again on XXXX and I was told a ticket was submitted. On XX/XX/XXXX I was told it was in process and would take XXXX business days. In the meantime I made my XXXX payment and reviewed my account and the payment was split between interest and principal by the system. I called back on XX/XX/XXXX to find out when XXXX and XXXX would be corrected. I was told another ticket would be submitted. I called back on XX/XX/XXXX and the correction is still not made and the representative stated that no notes existed for my prior call on XX/XX/XXXX. The rep on XX/XX/XXXX resubmitted with XXXX case IDs which were provided to me and they are XXXX and XXXX. They are still telling me 3-5 business days and maybe someone will call me back. They also stated that initially payments go to interest. That is inaccurate. Any loan payment has the majority going to interest and a small amount to principal. Their system did the allocation itself in XXXX. Why is this not occurring for XXXX and XXXX? Also, they still have yet to provide me with a payment schedule for the life of the loan. I need to this to be resolved and my payment information to be accurate.
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| 11/11/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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I received notification from Bank of the west debit fraud alert on the morning of the XXXX of XXXX. I responded immediately.
There were multiple charges from XXXX against my debit card. 14 charges of {$9.00} and 6 at XXXX that had happened close to midnight on XX/XX/23 and into the morning XX/XX/23.
I checked my email and noticed the fraud alert.
I immediately called the bank and I reported that they were not my charges. They closed my debit card at that moment. The operator started the process of replacing my debit card.
Then i looked online. My account showed All charges were still in pending. I contacted the bank again and they said I'd have to wait until Monday when the department was open.
I called Monday XX/XX/23. They said they would start the process of investigating the charges. they allowed all of the charges to procces and the money to be removed from my account. Approximately 12 days later they reimbursed what at that time i thought were all the fraudulent apple charges.
Now almost 3 months later they Withdrew the amount that was reimbursed. {$170.00}. During all of this mess Bank of the West was in transion to BMO bank.
Today XX/XX/23 going back and looking at my account and reconciling. I relize they did not in fact fully reimburse me. The original amount that they alerted me to was {$250.00} They only had reimbursed part of the fraudulent charges. Which I did not realize. And now they have taken that back.
Needless to say after 25 years I will be moving my banking services away from BMO Harris.
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| 10/27/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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XX/XX/XXXX I received a letter with a complaint about the bank 's tactics, which I felt were discriminatory. The letter explained the bank 's side of the concern. On XX/XX/XXXX, I received a cashier 's check from the bank in the amount of {$36.00} from a refund to XXXX, which they pushed through to the card ending in XXXX. I am XXXX and do not handle checks, cash, or anything I can lose and have difficulty replacing. I was surprised that I had received a cashier 's check. As expected, the check was lost by me on the SAME day. I contacted the bank the following day as a former client because I had closed the account on XX/XX/XXXX in order to have the check replaced. As expected, BMO said I needed to go to a branch. This was strange because : 1 ) the Cashier 's Check did not originate from a particular branch, and I closed the account on XX/XX/XXXX. On XX/XX/XXXX, I visited the XXXX location. The banker said she would give me a call on XX/XX/XXXX but she could not find the check. This never took place. When I called on Friday, she was unable to provide me with the complaint procedure and instead directed me to customer service. I have had trouble with the customer service team since they do not seem to care about their customers, which is why I initially closed the account on XX/XX/XXXX. Getting my check replaced is what I am hoping for. It is obvious to me that because of my XXXX ) XXXX and XXXX ) perceived race, I am being discriminated against, as there is no other reason to treat me consistently in adversarial ways.
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| 01/23/2024 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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To whom it may concern, this complain is related to the first complained i have filed with BMO bank, i was notified that the investigation was done & completed but only one of my complain was resolved ( MY dispute with XXXX charge ) NOT the ( XXXXXXXX XXXX ) that i have also filed which is the a missing refund coming from the merchant ( XXXXXXXX XXXX ) i will attached all proof below that there is a refund indeed made to my account which is a screenshot but for some reason BMO bank failed to explain/disclosed where & why all this info about the refund from XXXX was not showing anymore on my bank statement even the authorization that was originaly showing to my account which is a proof of refund that is being process, i also would like to complain that due to the incorrect Hold 's being done by BMO to my money for 3 month 's since XXXX for this case # XXXX, they charge me {$15.00} & {$3.00} fees on XXXX for being overdrawn while they were investigating my complain on the ( XXXX ) they Don't want to fix/waived due to there mistake Not releasing my FUNDS & reason why my acct was on a negative, they also lock our ( XXXX ) after i filed a complain without us notifying ( owner ) that is why we can not transfer the money we have been waiting for month, until my husband complain to the branch and notify them that it is illegal for them to Lock our acct w/out any Notice .Pls help and assist us with this Unfair service being done by the bank and help us resolved this issue that we have been dealing for Month 's now since XXXX.
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| 12/24/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
Older American |
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I do not dispute the fees charged me are allowed by contract. I complain that the fees are excessive. The bank offered a refund ; I am not worried about my XXXX. I am concerned about those who are crippled by these fees.
On XX/XX/23 I used a XXXX XXXX XXXX to access my BMO XXXX account to : XXXX ) inquire about my balance XXXX ) withdraw XXXX from my account.
I was charged : XXXX from XXXX for the inquiry, XXXX by BMO for the inquiry, XXXX by XXXX for the withdrawl. ( I was expecting this. ) XXXX by BMO for the withdrawal for a total of XXXX.
For sake of documentation, I videotaped the same sequence while withdrawing XXXX. XXXX on XXXX is XXXX %. The XXXX charged by BMO is XXXX % of the XXXX I got from the XXXX. This is too much especially for a low income person who typically will be withdrawing smaller amounts of cash.
XXXX replace tellers at XXXX XXXX XXXX branch banks. They save banks money. They are convenient but they also have negative social consequences. Banks should not be charging us to use XXXX while replacing workers and emptying storefronts. I should be able to see my balance and to withdraw funds for free as it had been and still is in the XXXX branches.
The banks are part of the down escalator for low income persons and up escalator for the shrinking middle. I will now shop for a new bank that will pay me XXXX to open an account and cash back on purchases.
Banks no longer serve a useful purpose. Their functions should be taken over by XXXX and all Americans given a fee free bank account.
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| 04/23/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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- Loan Payoff check in the amount of {$11000.00} issued to BMO Harris Bank on XX/XX/2021 - A XXXX tracking receipt, # XXXX showing that the check was received by XXXX XXXX on XX/XX/2021 and signed for at the front desk by a person with the last name of XXXX I received loan delinquency notice on XX/XX/2021, followed by several harassing collection calls from XXXX XXXX in the weeks that followed. During each phone call, I explained to that person that they had the check and provided them with the check number, amount, and the XXXX tracking number showing that they had received the check. I received a second loan delinquency notice on XX/XX/2021, followed by the same harassing phone calls in the weeks that followed.
I faxed a copy of the check and XXXX tracking receipt to XXXX XXXX, as directed by XXXX XXXX on XX/XX/2021. I emailed the same ( check copy and XXXX tracking receipt ) to " XXXX '', as directed by XXXX XXXX on XX/XX/2021 and on XX/XX/2021.
Despite all of the above, and assurances by each XXXX representative that they would correct this situation, I still receive daily phone calls from BMO collections people ( latest was this morning at XXXX ) advising me that my loan is delinquent and that I would be reported to the credit reporting agencies if it remained delinquent on XX/XX/2021 - until I explain the situation to that person the situation, and then advised that they would be resolving the issue.
The loan payoff issued as actually an overpayment of {$480.00}. XXXX XXXX actually owes me a refund.
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| 12/01/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Problem accessing account
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Web |
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I opened a XXXX XXXX online savings account on XX/XX/23 because the interest rate was 5.10 %. I linked XXXX external accounts to make deposits. I opened the account with $ XXXX and another transfer of $ XXXX on XX/XX/23.
The problem began on XX/XX/23, I received an email that my account is restricted and frozen. Followed by XXXX more emails regarding returned items due to fraud detection, which I did not do. Something happened and someone tried to transfer $ XXXX out of my account XXXX times. I could not access my account online because it was locked and there are no branches. I called the Customer Service line XXXX and was directed to call the Fraud Department XXXX. The Fraud Department does not pick up the phone. I left XXXX voicemail messages. I call the XXXX line everyday, multiple times and at different times of the day. No answer and continues to say the voicemail box is full and not accepting new messages. I also call the Customer Service line everyday and every representative said that they can not help me. The representatives also call the XXXX line and receive the same outcome : no answer and voicemail box is full. They have put in XXXX work order tickets and XXXX complaint ticket. It has been XXXX weeks, it is XX/XX/23 and I have not received any further emails, no letters in the mail, and XXXX correspondence from the Fraud Department. Customer service say they can not do anything. I continue to not have access to my money and no way of regaining access to my account. Please, please, please help!
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| 10/11/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Older American |
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on XX/XX/XXXX my husbands and my credit cards were both charged with fraud charges. my husbands for XXXX on that date his card was cancelled. 2 days later i had to call back to contest the charges after they posted.. with in a few day the charges were removed. i again asked what happened to my card status. spoke with a XXXX. my card was then cancelled on the XXXX of XXXX on XX/XX/XXXX spoke with XXXX and she said the charges are still pending and would be removed in 5-7 days. i continued to check daily and nothing is resolved. spoke with XXXX on XX/XX/XXXX was told that this is still pending. had XXXX at the branch office call. he was told that the claim had gotten stuck for some reason because bank of the west went to bmo. on XX/XX/XXXX was told by XXXX that it could take up to 60 days before it could be removed. on XXXX called bmo XXXX # again spoke with a XXXX advised there were no notes about these charges she opened a dispute and gave me a claim number and was told again 7-10 days. called on XX/XX/XXXX because now there is an XXXX $ and change interest on this charge.
( this charge was for XXXX an airline tkt. i XXXX it ) this is the only charge on my card.
i called and talked to XXXX on XX/XX/XXXX and was told the 7-10 days was incorrect but she did see that there is a claim. i don't understand why a {$2400.00} chrg can be removed in a few day but not a XXXX $ charge. nothing was documented until XX/XX/XXXX now i have interest chrgs. i want to clear this up so i can cancell my credit card with bmo
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| 02/17/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
Older American |
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On XX/XX/XXXX I put a downpayment of XXXX on a whiskey mink coat at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, Il XXXX. I would than make several more payments on XX/XX/XXXX for XXXX, on XX/XX/XXXX, XXXX made another XXXX debit card transaction on XX/XX/XXXX all of my payments were made with my BOM Mastercard debit card. Then on XX/XX/XXXX I paid the remaining amount of XXXX. That coat was paid for on that date and an appraisal was typed up and I was to pick up the whiskey mink coat on XX/XX/XXXX. However, I saw a black sheared mink with chinchilla collar. So, I canceled the whiskey mink and the appraisal document was given back to the merchant.
I had to pay an additional XXXX. The merchant said that he didn't know when he would have the coat. This he said after he debit my account. It was a special order. Not knowing when I would receive my coat, I returned several time and each time no coat. So after 28 days I filed a dispute with the card issuer, BMO Harris. After 40 days, they denied me a chargeback on XX/XX/XXXX.
The bank denied me a chargeback because the merchant showed videos of me paying with my debit card. I was paying on the layaway but I never received the coat. I never signed the space on my copy of the receipt date picked up line. I never signed an appraisal for insurance purposes. I never told the bank that it was fraud, but I did tell it that I never received the coat totally XXXX. I have the unsigned receipt showing the money amounts and a unsigned pickup date. Please address my concerns.
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| 02/01/2024 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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My RV loan was transferred from one company to another. I realized I was behind in payments because I was unable to pay my loan on the old companies website and reach them by phone. The new company claimed they sent information that I never received.By the time I received the new companies information I was behind several months and on the phone with the new company I set up payment up to date of past due balances. The new company BMO, gave me confirmation of payment via email and stated they would send me information on auto pay by mail as they dont provide set up over the phone. No information was received by mail, email, or phone. Two months past when I realized that no information was being received by mail or email when I called BMO they said my loan had been written off and is now in recovery. They said the previous payment never went through. I told them I was never informed of that by email phone or mail. I asked if I could make all past due on payments that my account would go back to normal they said yes I proceeded to pay them only to find out that my account is to remain in a wrote off/ collections state which negatively effects my credit for 7 years. Ive asked to speak with management several times and customer service refuses to transfer me or let me speak with management. If my account was to be charged off and if a payment didnt go through I would expect and email phone call or letter notification giving me the opportunity to make payment before such a serious impact on me and my family.
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| 02/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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In XXXX I filed bankruptcy up until that time. The payments were taken out automatically {$610.00} and XXXX the Harris Bank found out about the bankruptcy, and They stopped taking the payments out automatically, and said we have to start making the payments, but they never told me that XXXX of the payments had not been taken out of our account. in XXXX they went to a new account firm XXXX still under Harris Bank, I made every payment never late but not knowing these two payments were missing until they sent me a letter saying I owed {$15000.00}, I said No I don't, it was Covid, so I couldn't go into the bank, but I was on the phone with them telling them I didn't owe anything because I did not know of the two missing payment at that time. Once I did I asked them to correct the amount owed and I would paid them, because At that particular time to my knowledge I have paid every payment and never been late and even now I have the papers & proof from their bank that says the very same thing other than those two payments that were missing in XXXX. My attorney said the judge was going to rule in our favor but judge ruled against us with all the proof that we had. She said that because we were behind even one payment, the bank, could call in the loan, before hiring attorney, I was in the bank more than 14 times even the bank XXXX understood the problem, but could not get it fixed. Even people in customer service understood the problem, but could not get it fixed. They said it was not in their department.
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| 10/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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Had a boat loan with Bank of the West. They recently sold to BMO Harris, so now BMO is handling our loan. We received a NC UCC statement yesterday and inquired what it was about. They told us that BMO filed a lien against our name and to contact them to see why. When we contacted BMO, we were told that it was a mistake and shouldn't have been filed, so we asked for a letter stating that the lien was removed and it was an error on their part. They wouldn't provide us with this letter and instead said a manager would call us back. They never called back. To try to disassociate with this bank because of this situation, I logged in to make a lump sum payment to pay off this loan with them. I was informed that they would only allow a {$25000.00} payment to be made and that I couldn't make the whole {$45000.00} payment. So I paid the {$25000.00} payment and it immediately locked my account. I've made a payment from this same account in the past and they had no problem when it was a regular monthly payment but because it was such a large payment I was told that they had to verify my identity. Upon calling to do so, I was told that it was verified but would take XXXX days for them to process the hold on my account on the back end. So now not only can I not make a payment, it is probably going to be late due to them locking my account. I've spend countless hours contacting them for help and no one is willing to help me. I need someone to step in and make this bank do what they're suppose to do. Thank you!
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| 02/13/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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***THIS ISSUE IS TIME SENSITIVE*** My current home mortgage is with BMO Harris and I am re-financing with XXXX XXXX . I also have a small business loan with BMO that XXXX instructed me pay off to facilitate the refi ( the loan is secured with my house ). I paid off the BMO business loan on Friday, XX/XX/XXXX in the amount of {$2700.00} and asked for a discharge letter to be sent to me ASAP. I have a rate lock with XXXX expiring on XX/XX/XXXX unless I can confirm the loan payoff. I contacted the branch on Monday, XX/XX/XXXX to verify the loan payment had been processed. The branch could NOT verify payment had processed. They instructed me to contact their Customer Service department at a number they provided. I was transferred 3 times, having to explain my situation each time, before getting someone to confirm the payment was processed. When I asked for a discharge letter I was told it could take up to 30 days. After explaining I couldn't wait that long I was told it could be expedited but that would still take up 14 days. I requested something to give XXXX to extend my rate lock. She offered a letter emailed to me on Tuesday, XX/XX/XXXX. I did not receive that email. I've left two messages today with no response. In addition, my loan officer at XXXX has indicated his difficulty in getting payoff information on the primary mortgage delaying the process more than it should. It doesn't seem to matter who you call or what information you're seeking, this bank is unresponsive to it's customers needs.
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| 01/21/2024 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/2023 a check was fraudulently drawn on my account for {$5200.00}. On XX/XX/2023, that money was returned to my account.
On XX/XX/2023 {$920.00} was fraudulently taken from my account ( which only had {$330.00} in it to begin with ... ) this time, BMO-US did not return the funds, instead, freezing my account and telling me I had to go into the local branch office to discuss further. I went to BMO 's Branch office in XXXX, FL. The representative helping me, XXXX XXXX, proceeding to close my account and open a new account that my funds could be sent to once this was resolved. She ended up completing the wrong paperwork, which was then notarized by the XXXX XXXX, XXXX XXXX XXXX who, apparently, was just as clueless on how to handle my situation.
In the meantime ( XXXX month later in XXXX ), I travelled across country to New Mexico when it was revealed to me that the paperwork I submitted was incorrect and that I would need to seek out a local BMO branch. I then went to BMO in XXXX XXXX, NM, where the Branch Manager completed the appropriate paperwork, but then sent the paperwork along to XXXX XXXX at BMO-XXXX XXXX so that she could complete a section ( 4 ) on the " Affidavit of Forged or Altered Checks '' called " Additional Information Required. '' I've asked her repeatedly for a copy of this document for my records and she avoids getting back to me. I have a complete list of emails and phones calls that I've made to the branch and BMO-Customer Service and I'm getting no help at all.
|
| 10/19/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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I authorized my bank to pay XXXX XXXX {$9600.00} XX/XX/XX/XX/XXXX Transaction was done but then reversed when XXXX XXXX could not find account ( recorded on my statement as having occurred on XX/XX/XXXX ). Bank had given me wrong account number ( gave me savings account number when it should have been checking account number ). So the money was put back into my account.
However, then with no request from XXXX XXXX for a payment, my bank, BMO, made an electronic withdrawal of {$9600.00} from my savings account on XX/XX/XX/XX/XXXX
Green Sky never received this payment because BMO sent it to Fifth XX/XX/XXXX and not XXXXXX/XX/XXXX, the institution XXXX XXXX uses.
I have talked to over 4 Resolution Team members at BMO and have not had the issue resolved. I have also talked numerous times with one particular XXXX XXXX resolution team member. It took me three weeks to even get BMO to give me a TR number, trace number, and transitioning number. They also gave me the institution they sent the money to -- XXXX XXXX Bank. When I talked with XX/XX/XXXX, my resolution team member informed me that XXXX XXXX does not useXX/XX/XXXX She also informed me that there is no record of XXXX XXXX initiating any payment to them from my bank on XX/XX/XXXXXX/XX/XXXX. They have received no payment from BMO.
Thus, BMO transferred & XXXX from my savings account to an unauthorized banking institution ( XXXX XXXX ) without request from me or the banking institution ( XXXX XXXX ) they should have paid on XX/XX/XXXX.
|
| 10/04/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Confusing or missing disclosures
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Web |
Older American |
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My name is XXXX XXXX.On XX/XX/21, I Applied for a bank promotion from BMO Harris bank that I saw on the internet.It promised {$500.00}. for enrolling and completing direct deposits of {$7500.00}. within a ninety day period.It seemed like a great opportunity so I applied and was accepted. I was given a promotion code and proceeded to change my direct deposit information with my employer.After my first direct deposit went through I was informed by BMO bank that I didnt qualify for the promotion due to the state I resided in ( Michigan ). Indeed, when I went back over the fine print in the offer the state exclusion was mentioned.However, I feel that when I filled out the application, including my correct address, I should have been rejected immediately rather than be told I was accepted and awarded a promotion code ( see attachments ).
Defrauded is too strong a word but I certainly felt misled and I feel that I cant be the only consumer who has experienced this.It is a simple solution to change the application process to prevent this from happening.I am a XXXX XXXX XXXX woman supporting my XXXX XXXX XXXX husband and my XXXX XXXX XXXX husband and needless to say every penny counts.I look for any way I can to supplement my income.
I would ask that I be awarded the {$500.00}. promotion due to my completing the direct deposit requirements, acted in good faith and was unnecessarily confused by the banks application flaws and BMOs misleading response of awarding a promotion code.
XXXX XXXX
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| 01/12/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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In XXXX, a former employer set up a XXXX XXXXXXXX XXXX on behalf of myself with BMO Harris.
In XXXX, XXXX XXXX announced they would be transferring management of XXXX accounts to XXXX. This transfer would occur in XX/XX/XXXX.
In XX/XX/XXXX, BMO Harris should have transferred {$2400.00} to XXXX. Their wire transfer shows {$0.00}.
I have contacted BMO Harris customer support 2 times, a BMO Harris branch where my account was set up by my former employer3 times, and XXXX 2 times. I have been bounced back and forth saying I need
to call one another. BMO claims there is nothing they can do as they dont have access or visibility into the accounts and their staff at the branches dont know how to troubleshoot the problem beyond lip service that theyll look into it. Ive had to follow up each time. Lively says the funds transferred match t
he {$0.00} and that theres nothing they can do on their end. They have on record that Ive called twice and had an extended conversation with one of this reps.
The funny thing about this is I can still see the XXXX account in the BMO Harris portal, despite them claiming my money does not exist.
Today, XX/XX/XXXX, after following up with BMO Harris I saw a note on my account saying they were updating the balance of the account to {$0.00} and since the account is marked closed.
In my most recent call on XX/XX/XXXX to discuss why my account was being updated if they no longer could look into it they hung up on me and refused to answer my call again.
|
| 12/11/2017 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
Servicemember |
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I opened a checking account in XX/XX/XXXX and the terms stated with {$300.00} direct deposit receive {$200.00} bonus. I had DD 2x a month for several months and did n't receive the bonus. I have followed the terms to a T and since I 've tried calling, doing live chat and sending secure messages I would like to have this matter resolved. I feel like this company might be preying on senior citizens. They attempt to be confusing and state different terms or reasons to deny me each time I contact them.
The terms I signed up for : To receive the bonus : 1 ) Open a new BMO Harris Smart MoneyTM Account, BMO Harris Everyday Checking, BMO Harris Select Checking or BMO Harris Portfolio Checking account between XX/XX/XXXX and XX/XX/XXXX in a BMO Harris Branch, by calling XXXX, or by clicking open now above.Well automatically apply the {$200.00} offer promo code when you apply online 2 ) Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. We reserve the right to request documentation that the direct deposits qualify.
Cash bonus is not considered part of the opening deposit and will be reported to the IRS for tax purposes. You are responsible for any applicable taxes. Offer can not be combined with any other offer, is non-transferable and is limited to one per account.
|
| 01/17/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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|
Web |
Older American |
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Sometime ago, I responded to advertisements for bank credit card. Subsequently, I found unauthorized purchases on the card for clothing and XXXX. I contacted the credit card toll free number and spoke to an agent regarding the unauthorized purchases. However, communication difficulties occurred because I had a XXXX and when XXXX I have difficulties in speaking and remembering some details. I also have XXXX issues. The credit card company required me to go to the branch with my identification. I went to the branch which was very helpful trying to resolve any issues that the credit card had. I left assuming that everything was done and resolved. Last week, I had the problem using the card for some purchases online, I called the credit card company and agent was rude and unprofessional and disconnected the call. Today, I went to the branch again to help resolve the issue with my credit card. The credit card company never stated that they required a verbal pass code on my account that was done and any blocks were apparently removed from the card.
The credit card company never told me that they required a verbal pass code which would allow me to use my card.
I am very disappointed and frustrated with the credit card issued by the bank they are unwilling to help customers with XXXX and have no knowledge of dealing with people with XXXX needs. I had to go to the bank twice now to resolve issues with bank credit card. It's difficult for me to go back and forth just to prove who I am.
|
| 06/05/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
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Web |
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On XX/XX/2021 BMO closed my checking account. They sent my account over to XXXX XXXX. They made a mistake and sent me {$200.00}. I opened up my account when there was a {$200.00} bonus and was unaware that they made the mistake. Now they a making me pay back a fee for over charge that I disputed. Instead of working with me to refund the account they closed my account. And charged me the {$160.00} that I spent. They forced money into my account. I spent some of the money because I truly thought that I was eligible for the promotion. At one point they had me owing more than $ 50K why would I fund an account with the {$160.00} if my account was that far negative. In my community a few extra dollars means buy something for yourself. I am a single mother. I usually cant afford to buy things outside of our budget for regular household items. So when I got an extra {$200.00} I thanked the XXXX for it. I didn't know this was not my money why would BMO put it into my account if it wasn't mine. They caused me to think that I had money that they owed me. I opened up the account during their {$200.00} promotion. Now they close my account and charge me {$36.00} for their mistake all because I sent a complaint about it with this organization. Typical corporation abuse. They are making me suffer more because I made a complaint to this location. My funds from the XXXX tax credit for kids from the latest stimulus package is set to hit that account. Now it wont and BMO can pay for that delay.
|
| 09/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
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|
Web |
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BMO and Bank of the West merged recently. I was a Bank of the West customer. I went to make a transfer from my now BMO account my XXXX XXXX XXXX. I have verified the deposits from BMO to my XXXX account and put in for a transfer now that I was able to link the external account. My account was put on hold and I was not told why. I called and thought I had the problem fixed, I got an email confirmation that the transfer was under way. Shortly there after I got 4 emails. The first one said that my XXXX account was locked and I would not be able to use it from BMO. I already use it with a different bank so I could not use it any way. The second was that my transfer had been cancelled now. The third was that my verified XXXX external account had been suspended. The fourth was that my account had been suspended and I would not be able to transfer money.
My complaint is that when I was with Bank of the West, I could transfer money, write checks, and spend my money. Now they have locked my account since the merger with BMO. BMO now states that I can not handle this matter over the phone and that they will need me to go in person to one of their branches. I live a XXXX round trip away from a branch and XXXX mile so this is unacceptable. Before I tried to resolve this over the phone I would have been able to write a check or transfer money for rent, but now I can not. I am wishing that I can get my money back and be able to transfer the money for I can close my account with them.
|
| 05/14/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
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Web |
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On XX/XX/XXXX, I opened an account at the BMO Harris Branch in XXXX XXXX, WI. I had received a {$300.00} bonus offer from BMO Harris, and I opened my account and presented the bonus offer that I had received ( see attached bonus offer ).
I completed all of the requirements of the bonus offer. My opening deposit was above the minimum of {$25.00}. I made 2 direct deposits of at least {$500.00} within 90 days of opening my account. I made at least 10 debit card purchases within 90 days of opening my account ( see attached statements ).
On XX/XX/XXXX, I noticed that my account had been closed without my action. I received no notice that my account would be closed. I believe BMO did this to avoid paying me the account opening bonus. When I inquired about this in an online chat ( see attached chat transcript ), I was told that my account was closed because there was no activity for 45 days.
When I asked where it said that accounts would be closed after 45 days of inactivity, I was told that it was part of the deposit agreement. I responded that the deposit agreement ( see attached deposit agreement ) made no such statement.
I believe that BMO Harris closed my account solely to avoid the payment of the {$300.00} bonus offer. In all my years of banking, I've never had an account closed after having a {$0.00} balance for just 45 days, especially without warning. In fact, to the contrary, I've had to follow-up myself to close accounts that have had XXXX balances for years.
|
| 01/01/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
Older American |
|
On XXXX I asked to do a transfer of funds from my account to my son which I have been doing for over 10 yrs. with Bank of the West now BMO. All we were doing was asking for the transfer funds from my account to his ( they are linked together ) which we have done for yrs nothing new the rep. got angry and hostile and told us we have to go to the bank for them to id us. Which made no sense. We had gone through the id process through the automatize system even to get to that point which we told her that was ignored. Told her to get her boss that was ignored. We ended up drive XXXX XXXX one way to the bank which we have been going to for yrs about 10 or more the same day this happened. Which we try to avoid because of problems we have had in the past. Instead of doing the transfer and opening up her account they acted as if they didnt know us and gave us the third degree which they also ways do which upset us and we left. All we wanted was to take funds from her account and transfer it to mine THAT IS IT, SIMPLE. Then we received a letter last week saying they are closing her account period, no discussion!! Leaving us in a Hardship it's not many banks area. We are XXXX hate crime victims in XXXX, KS and it is orchestrated by the XXXX police and law enforcement. We ask to be treated like human beings ; this a simple thing should not be kicked out just because they have the power to do so. We need help. Anytime we get some done we are treated like this on everything we do.
|
| 08/16/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Servicemember |
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I made payments in the total amount of {$4400.00} that were posted to my BMO Harris Bank credit card account on XXXX XXXX, 2017. This was reflected on my credit card statement dated XXXX XXXX, 2017.
In early XX/XX/XXXX, I received a letter dated XXXX XXXX, 2017, from BMO Harris Bank stating that " we recently became aware of a payment that was applied to your account in error. You will see a debit in the amount of {$3400.00} on your account on XXXX XXXX, 2017. '' Upon receipt of this letter, I immediately contacted them to dispute this reversal of my payment from 4 months prior. They told me that they had no information why this occurred but would investigate it. A week or so later, I received a voicemail saying that they were looking into it, but could n't yet provide me with any additional information. On XXXX XXXX, 2017, I contacted them again. Again, they had no information regarding this payment reversal. My last contact with them was yesterday, XXXX XXXX, 2017, and they are still unable to prove that my payment was not properly made.
BMO Harris Bank made additional errors in opening this credit card account originally, and their customer service trying to resolve these issues has been horrendous. I have been a customer for approximately 20 years, with various checking, business, and credit accounts. I have no faith anymore that this bank is able to properly keep records and will be closing all my bank and credit accounts with them because of these disputes.
|
| 01/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
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Web |
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TILA, RESPA and XXXX XXXX XXXX to Harris Bank to verify receipt of my payment.
Dear Harris Bank, My name is XXXX XXXX, I am a buyer of property located XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX where Harris Bank was a Lender for XXXX XXXX, the Seller of this property.
On XX/XX/XXXX I obtained a Mortgage loan from XXXX XXXX XXXX XXXX for {$170000.00} to pay XXXX XXXX and her lender, Harris Bank for this property where Harris Bank loaned XXXX XXXX {$100000.00} on XX/XX/XXXX.
As I recently discovered, Harris Bank apparently did not received {$100000.00} or any other reasonable amount from my XXXX payment.
According to XX/XX/XXXX Harris Bank Release Harris Bank claimed only {$1.00} received as consideration which is of course not sufficient payment for {$100000.00} loan Can you please explain why Harris Bank received only {$1.00} as my payment for XXXX XXXX loan.
Please provide me a copy of wire transfer receipt which show the amount of money received from me or on my behalf by Harris Bank ; and identify who is the sender of this wire transfer.
Please disclose if Harris Bank comply with XXXX in its accounting practices. These records must be kept permanently on Harris Bank books and records and be readily available upon request.
I am not asking for any accounting records for XXXX XXXX, only for proof of my payment or payment on my behalf from the loan I received from XXXX XXXX and Loan on XX/XX/XXXX since it appears to be missing.
Regards XXXX XXXX
|
| 12/14/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
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This is a XXXX XXXX card, and we redeemed on line for XXXX earned points for 3 {$100.00} XXXX e-gift cards, with the codes supposed to be delivered within 3 days by email. This was a Saturday XXXX/XXXX/XXXX and when the codes did n't come within a day - which they have before- we called XXXX customer service and rewards # s on the website. There was no option to email. We were told it could take through til a business day, which would have been XXXX, for the e-codes to be redeemed. We waited until Wed XXXX/XXXX/XXXX, about XXXX CST, to call again at the number listed and were told that rewards is closed, on a week night, and no one can help us - no supervisor available and that XXXX customer service can do nothing. The rep on the phone also said she was the only supervisor for XXXX that I could speak to, and that there is no one else.
My complaint is this -- poor customer service that in redeeming rewards, there is no one to speak to during the business week, outside of normal business hours. XXXX CST is ony XXXX PST and even earlier elsewhere in the world. How can customers have no one to speak to, when more than {$300.00} in rewards is outstanding and no one provided any service.
We plan to close this card as soon as all the rewards issues are resolved and all redeemed. XXXX is supposed to be a premium card- they should always, always have rewards redemption help available and an escalation process to submit an issue. Not acceptable for a fee based card.
|
| 04/24/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
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Web |
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On XX/XX/10 I was approached to sell a item on XXXX XXXX. We currently are struggling with XXXX XXXX Healthcare bills so I was anxious to sell. I stated I accepted payment on XXXX, and they requested 3x to use XXXX I looked into it and felt safe because my bank offered it as a way to send money. I set it up and received an email that had BMO Harris and XXXX on it. I had the person interested in the purchase accuse me of trying to get additional funds and stated he was to send XXXX to me.
I said no, just send what is needed. Then I get an email stating I needed to proove the account was activated by sendind XXXX to the seller. Thus that would finish the transaction. I sent XXXX because I said that is all that was due back. In the meantime... I never got my money. But the scammer still had an active email chat with me and when I asked, I was told I still needed to send the XXXX and he was going to complain to XXXX that I was fraud. So I sent XXXX dollars. I immediately get a second mail sail the transaction did not go through and to send {$350.00}. I immediately called the bank who said they could not get the transaction reversed. So I reported through XXXX nothing. I tried the bank again who said the transaction was processed through XXXX XXXX and XXXX refused to give the refund saying I approved the transaction. I knew it didn't feel right. But again, I am selling items to make some money and felt it was safe if I was doing the transaction with my bank
|
| 01/20/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
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Web |
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Unrecognized account with BMO Harris Bank In XX/XX/2022, I got a statement from BMO Harris Bank mentioning a savings account number with XXXX dollar balance. I dont remember ever opening an account with BMO Harris bank. I didnt even know such a bank existed and I had to search online to see that it is a legit bank.
I called the number provided in that statement and spoke to an agent. When I mentioned the issue and asked them when the account was opened they said they cant provide that information. They said I need to go to the nearest branch ( which is more than a 100 miles from my house ). I told them that. They offered to close the account.
I thought the matter was settled. I was still worried and put a freeze with credit agencies.
I got another USPS mail statement in XXXX for XX/XX/XXXX for the same account number with a XXXX dollar balance I believe the BMO HARRIS bank is trying to open fake accounts - like another bank that did a few years back and was penalized. Initially I thought somebody opened an account in my name - assuming my SSN is compromised. Given that BMO harris promised me that the account will be closed and I still got the statement makes be believe the bank is doing something fishy.
I called again and spoke to some one and explained the issue including the fact that the account was supposed to be closed last month. They put me on hold for more than 1/2 an hour. I hung up as I realized that they were deliberately doing this.
|
| 08/31/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
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Web |
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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!
|
| 07/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
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I closed my checking account with BMO Harris and didnt realize that did not automatically disconnect my XXXX account.
On XX/XX/XXXX, a deposit in the amount of {$2000.00} was sent to me via XXXX XXXX still connect to the closed BMO checking account.
Realizing this immediately, I called BMO and was told since the account is closed it would automatically be refunded to the sender within 3 business days.
XXXX XX/XX/XXXX, I received a from BMO thats stated they successfully deposited the XXXX payment to my account.
The account was closed and I logged it to see it was still at a {$0.00} balance. Given 3 business day passed I called again to speak with someone and was told they BMO had no history or records of any transaction even though I had an email from them stating otherwise.
They advised me to have the sender file a claim with their bank. The sender did as instructed. The claim was denied to BMO stating they had deposited the funds as instructed.
I called again and was told the same thing that the money was probably in limbo somewhere as they have no idea where the funds are and somehow have no record of the transaction. They told me to file a claim with the sender. Again I stated they had sent me an email stating they received the payment and now are saying they didnt.
It is now XX/XX/XXXX and I still have not received the payment nor has it been been retired to the sender. BMO Harris is illegally holding funds and not releasing them.
|
| 05/07/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
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Web |
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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.
|
| 01/26/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
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I was paid on XX/XX/year> to an XXXXXXXX XXXX XXXX account, and late that evening initiated a transfer of money to BMO Harris Checking account to be able to pay my upcoming BMO Harris Mastercard bill due XX/XX/XXXXXXXX XXXX
When I saw that the money wouldn't be transferred in time ( due to artificially imposed bank transfer slow downs ), I did the minimum payment with the understanding that it would cancel the automatic full payment. It did not cancel the full payment, and the full payment was taken. Since my checking account did not get funded in time due to the slow bank transfer, I was charged a {$25.00} returned payment fee.
So even when I tried to pay the card twice before the due date, I was still charged a {$25.00} fee even though I was " in compliance ''. There is also no cost to the bank or the credit card for debiting my account when the transfer had not happened, so this is clearly just a " junk fee '' that the federal government is looking to ban.
I called the bank, but they suggested that's just how the system works, and I have to pay their junk fee.
How can we avoid these " junk fees '' that happen ( with no cost to the bank ) even when I am trying to be in compliance by transferring the money early, or making an on time, minimum payment?
Also note, the next time, I actually disabled the automatic payment before my payment was due, but the full payment was charged anyway because I didnt disable the autopay " early enough ''.
|
| 04/28/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
I had attempted to make an external transfer from my account ending in -XXXX on XX/XX/2020 in the amount of {$1400.00}. This attempt was made through BMO Harris online banking. Upon making the request, I immediately received a message stating that the transfer will not go through since the bank needs to verify my identity. I also received an email stating that I won't have access to transfer to or from my external bank accounts until I call and verify my identity.
Since I was under the impression that the external transfer will not go through, and I did not have time to call the bank at that very moment, I proceeded to transfer the funds internally to my other BMO Harris Bank account ending in -XXXX, and instead make an ACH pull from my external account.
To my surprise, the next day I saw that not only were the funds taken from my account ending in -XXXX, but I also had a negative balance in my account ending in -XXXX. I was charged two NSF fees of {$36.00} each on XX/XX/XXXX and XX/XX/2020 since the transfer was attempted twice without my authorization.
I called BMO Harris Bank customer service on XX/XX/2020 to discuss the fees and the representatives insisted that it is not a bank error despite having all the proof otherwise. They offered me a refund for one of the NSF fees but not for both. I would kindly like to request that both fees be reversed since this is indeed a bank error and the fees should not have been charged to begin with.
|
| 08/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Bank of the wests XXXX Contact Center supervisor named XXXX ( bank number XXXX ) is worst candidate to represent Bank of the West.
I have had two overdraft fees charged on my checking account on XX/XX/2023. I usually use my bank of the west account on sales deposits for one of my online stores. I contact the bank customer service to get help and get my overdraft fees to be waived. I was told by first representative XXXX from XXXX office that he can reverse one of the payments only. He told me I can ask my supervisor for second overdraft fee to be reversed. After XXXX the supervisor got on line whole story changed. Supervisor XXXX states that the representative gave me wrong information, that she will not refund non of the overdraft fees. She didnt want to give out any information about representative, most likely she didnt want to me to have a reference. I have work for my money hard and for {$12.00} charge I hate to get {$35.00} overdraft fee charge. She is most rude and doesnt even hear what customer has to say. Her position is customer service supervisor and the way how he handles is going to bring a lot of lost customers for Bank of the West. If bank of the west agent doesnt contact and help me resolve this issue within timely manner, Im leaving the bank. I dont want to have any business with the bank that lets their supervisor act very unprofessional and hang up on the call even though you try to ask them question or details of decision.
|
| 10/12/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
BMO recently acquired Bank of the West ; during this process, all the money transfer methods ( XXXX, XXXX, bank to bank transfer ) are blocked, thus, the bank can not accept any type of incoming money to the account.
This is a huge problem as I have multiple funds that can not be credited into my account unless its a check or cash????? ( Which is another issue as no one uses check anymore and none of my client pay in cash ). Their physical banking locations are not near me, and the ones that are ( over one hour away ), the bank operation hours are very limited.
How can a bank REFUSE customers to make deposits? I have over two months of income ( ~ {$15000.00} ) that the BMO have turned away, and with all the bills on autopay, I am about to go into overdraft!
I have contacted BMO online and on phone regarding this problem, and have verified my identity multiple times to lift the hold. Every time I call, they said it will take 3-4 business days to clear, yet its been almost 2 months, and my account is still on " hold ''.
Furthermore, BMO is making money from the customers by purposing not fixing the glitch.
In the two months of me contacting them, BOM had not made any effort to correct this issue or provide update or solution to this. It is clear the system is having glitch and at the same time collecting fees from their inadequate system glitch.
I would close my account with them, but I cant even verify that I am the owner of the account.
|
| 08/25/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
On XX/XX/2019, I opened a BMO Harris Statement Savings account. They were offering a {$200.00} bonus for opening a new Statement Savings account between XX/XX/2019 and XX/XX/2019 with an initial deposit of {$10000.00} or more of funds not currently on deposit at BMO Harris Bank or its affiliates and then maintaining at least {$10000.00} in the account for 90 days. The promotion code XXXX was automatically applied at the time the application was submitted online. I fulfilled all requirements on XX/XX/2019. Since I did not receive the {$200.00} bonus in the promised 120 days, I contacted them by phone on XX/XX/2019. The BMO Harris customer service representative initially stated the {$200.00} bonus will be credited at the same time the interest is paid to the savings account which should be at the end of XX/XX/2019 since the interest is paid quarterly. I explained her the bonus terms and conditions explicitly said the bonus will be paid approximately 120 days after opening as long as the account is open and in good standing. Then, the BMO Harris customer service representative reached the appropriate BMO Harris department to verify there were no issues with the bonus requirements. She called me back and told me the {$200.00} bonus should be already deposited by Friday, XX/XX/2019. Although this new date was 129 days after opening, I accepted to wait an extra 9 days. However, as of today, XX/XX/2019 I have not received the {$200.00} bonus.
|
| 02/25/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
Servicemember |
|
money market account at bmo they took money in so easily ( XXXX deposit ) but refused on numerous instances to return it other than me scheduling XXXX auto transfers back to my bank every week ( 4x per month tops ). it has taken me a while to get funds out. on top of that, they do not answer calls. when they do, they diconnect after an hour+ on the phone. they suspend accounts and disallow logins for no reason ( very frequent ).
as a bank executive myself, i have never seen a bank with this much disregard and neglect for its processes and customers. i have made XXXX in total interest, and that is so immaterial for me in the grand scheme of things. what i would like to see is this bank held responsible for its actions.
i have spent over 12 hours on BMO on trivial issues - deliberately caused by their own failures. most recently my account was suspended from me logging in, all while they continued to charge {$36.00} NSF fees because they would not allow me to stop my auto transfer cadence.
a rep finally told me over the phone that he would stop the transfers and restore my access. that did not happen and the fees continued to mount.
overall, this bank is non responsive, neglectful/complete disregard for consumers and their scarce time ( defeats the purpose of online banking and self service ) still in disbelief - i would like to see fast resolve. i am available for a phone call - happy to walk anyone through this agonizing process
|
| 04/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
On XX/XX/XXXX, I attempted to open an Any Deposit Checking account with Bank of the West online ; however, I was told my identity could not be verified so I needed to go into a branch. On XX/XX/XXXX, I was able to successfully open the account in a branch. There was a promotion being offered at the time that if you opened an Any Deposit Checking account and made direct deposits of $ XXXX for three consecutive months, you would receive a {$250.00} bonus. My direct deposits, each for {$1000.00}, were made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
When I still had not received the promotion bonus, I contacted customer service via secure message on XX/XX/XXXX to inquire about the status. On XX/XX/XXXX, customer service responded that they had no record of a promotion code for the bonus being attached to my account. I responded the same day that a promotion code had not been required for the bonus. On XX/XX/XXXX, customer service responded with, " Bank of the West Online Banking and Contact Center departments are unable to modify in any way the requirements an account must fulfill to obtain a campaign bonus. Our Research Department reviews all accounts to confirm eligibility for any campaign bonus. They make the final determination whether the required criteria were met, and issue any bonuses to qualified accounts. '' I met the qualifications for the bonus and would like Bank of the West to deposit it into my account as soon as possible.
|
| 12/20/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Attached is the documentation detailing the fees that were charged due to the returned checks. A total of {$120.00} was charged.
I am also attaching the letter I received from BMO Harris requesting supporting documentation for reimbursement.
I received a letter from BMO Harris dated XX/XX/2018, that it has decided to close my bank account. The letter does not include any explanation why my account will be closed.
I received a letter from BMO Harris dated XX/XX/2018, that I confirmed that there was no fraudulent activity and BMO Harris removed the restrictions from my account after my confirmation. In this letter, BMO Harris apologized for restricting my account without me being informed, and requested supporting documentation for fee reimbursement because I was charged {$120.00} due to BMO Harris 's action.
Both letters are from the same Fraud Management and Enterprise Authentication department.
As the XXXX XXXX letter confirmed, there was no fraudulent activity, and BMO Harris 's mistakes ( Changed my name in the bank file and my account, froze my account without any notification ) caused this situation.
As the XXXX XXXX letter came after the XXXX XXXX letter, I would like to ask whether BMO Harris will still close my account even after it learned and confirmed that there was no fraudulent activity.
If it will close my account nonetheless, I would like to request an explanation from BMO Harris why it will close my account.
|
| 06/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/2023 there were two fraudulent charges on my card. One for {$51.00} showing XXXX and one for {$300.00} showing XXXX. I received a text message from my bank asking if the XXXX charge was me and I replied no. I called the bank and told them neither of those charges were mine and asked to cancel my debit card. I also asked to stop payment and refund the cash bug they told me I needed to wait until it was processed then reach out again. I reached out and was able to get the {$51.00} refunded but the {$300.00} XXXX charge has been more difficult. When I first reached out they asked me if I had a XXXX account and I said yes I do but my card isnt linked to it. This charge isnt on my XXXX account. they said they understood, I get an email a few weeks later and theyre asking me to reach out to XXXX for my money but XXXX couldnt help. At that point I didnt have my card anymore and I have no idea what XXXX account was used when they charged me. Ive been calling and trying to explain to every person who answers at bank of the west and everyone tells me theyre escalating the case or the investigator will reach out to me then I could explain to them big there has been no phone calls or emails. Now I keep hearing that theyre working on it and to call the following week. I call the next week and they tell me the same thing. Seems like every time I call they just tell me to call next week and its been dragging like this for the past month
|
| 07/03/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
On XX/XX/2023, I got two bank statements, one for a checking and one for savings account, from BMO Harris Bank. I contacted them on XX/XX/XXXX at XXXX XXXX, and I spoke with a person and informed them that the accounts had been opened in my name fraudulently and requested that they close the accounts. The bank representative took my information and said that they would send the compliant to the bank 's fraud department and that they accounts would be closed. I asked if I would receive something in writing, ensuring the closure and she said the bank doesn't do that, so I was forced to take her word for it.
On XX/XX/XXXX, I received another bank statement form BMO Harris Bank for the fraudulent savings account opened in my name. The period on the statement was for XX/XX/XXXX to XX/XX/2023. Therefore, I called BMO Harris Bank on XX/XX/XXXX at XXXX XXXX, and spoke with a person named XXXX ; she refused to provide her last name. She claimed that the accounts were closed but failed to provide me with any other information such as the date they were closed. She also refused to provide any proof of the closure in writing, so they could be mailed to my address and I'd have proof of the closures.
I am in the process of contacting an attorney to see if I can force BMO Harris Bank to provide written proof : XXXX acknowledging the accounts were opened fraudulently in my name XXXX proof the savings and checking accounts were close and when.
|
| 01/10/2024 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
BMO bank verified me over the phone for almost 3 hours. They then called me the next day and requested my bank information over the phone. They told that I had to deposit a certain amount in both accounts. After that verified me for almost 3 hours and took some of my money from my old account they locked my accounts and then said they could verify me. They then turned mean, and rude. With this account you get a bonus if you transfer a certain amount. I find that these banks including BMO try to get you to open a account for their investors then they make it difficult for you access your account. They then started complaining about people trying to steal their money. However, I have to put money in the account and keep it there for months before I would get a bonus. After they took my money they refused to allow me access to my money. They had verified for hours. Then I stayed on the phone for days trying to access my funds. They then became very mean and refused to help me access my money unless I got forms signed and notarized which I did. Then no one from BMO called nor apologized to me!!! The last person I spoke with in their customer service had some very strange sound in the background. It was so distrusting I had to ask him what the sound was. His reply was, " Does it sound like something rubbing against the phone. '' Yikes!!! I want that phone call pulled. I am requesting someone from your corporate office call me!!!
|
| 12/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened without my consent or knowledge
|
|
Web |
|
|
Today on XX/XX/23 I received a letter in the mail from " BMO Bank ''. I opened the letter and discovered a statement from them for a " savings builder '' account. I've never done business with them before and have never opened any accounts with them. I immediately called their customer service number on the letter and told them that this account was never opened by me. The letter I got said there was no money in the account. Also, after being on hold with them for XXXX minutes, they also told me there was a checking account also in my name with them but they didn't tell me if there was money in it or not, however they let me know that they've closed the accounts and had me listen to a pre-recorded disclosure about reporting credit fraud. Before hanging up, I asked if they could provide me information as to how this happened and he said his recommendation would be for me to go to a local branch to ask them and to file a complaint there. After my phone call, I contacted XXXX and put a security alert with them and they said they would notify the other credit bureaus. XXXX will have the security alert on my file for a whole year. Tomorrow I plan on going to this bank in person and filing a formal complaint with them for letting someone fraudulently open XXXX accounts ( a savings and a checking ) in my name and hopefully getting this cleaned up and hoping the damage done to my credit or anything else isn't worse than just this.
|
| 11/13/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened a savings ( money market ) account with BMO Harris USA online. I read all terms and disclosures.
Their sign up process failed to provide me a copy of all things I " signed '' and or agreed too. It failed to provide my new account number.
After I called them they refused to talk to me once I failed one of the frequently incorrect credit history questions ( This data is constantly incorrect.. for example " when did you graduate high school '' ... is inferred and incorrect in my case -- I have no idea when they think I graduated high school, I was home schooled and already attending college while still in high school ). They refused to talk to me even though I had provided two email addresses and two mobile phone numbers with the application. I had no account number to the {$30000.00} I just transferred in to a new account and no access.
Eventually I got access, but I was quite upset. After trying to use the account I found I was unable to transfer money out. And I found there were suddenly daily, weekly and monthly electronic transaction " amount '' limits which WERE NOT DISCLOSED up front. Their disclosure described limits in frequency, but absolutely no mention of amount limits. See attached disclosure.
A simple XXXX search shows they violated Regulation E ( 12 C.F.R. 205.2 ) on disclosures.
When I requested to close the account they want to charge an account closing fee and other fees.
Please help me.
|
| 12/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
XXXX, XX/XX/XXXX, I made a deposit of about {$1700.00} and the branch took it and said funds from the State of California issued XXXX check would be available the next day at XXXX XXXX. XXXXXXXX, XX/XX/XXXX, I attempted a purchase using my debit card associated with the checking account in question. My transaction could not be authorized so I called the customer service number on my card. It was at this point I was told these state issued funds were now on hold until XX/XX/XXXX due to it being a potential fraud issue. I have made these same deposits since XX/XX/XXXX and not one time were funds ever held for more than a day in order to post. I was never told by the branch these funds would be held. My deposit receipt does not state any hold being placed.
The branch is always helpful and I alerted them to this problem in person today. Both tellers were in complete disbelief that the back office, as they called it, put a hold on a state issued check : much less for fraud. I do not fault the perssonel at the BMO branch in XXXX, CA as this action was not caused by them.
I waited XXXX months for California to issue my XXXX funds. Bills are past due and I do not have any liquid assets and this bank 's actions have created even more unjust financial burdens. This is not right.
Before the bank became known as BMO it was Bank of the West. I have been a client of Bank of the West for nearly XXXX years and never had this issue.
|
| 02/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
I received a letter in the mail from BMO Harris Bank in late XXXX, XXXX, that stated I had opened up a new account for a BMO Harris Bank Platinum Rewards MasterCard ending in XXXX. I had never even heard of BMO Harris Bank until this point, and was not in the market for a new credit card and did not request new credit nor apply for new credit.
I then received in the mail a letter from BMO Harris Bank stating that a balance transfer request was made on the new account. Again, this is not something I had requested.
I finally received a third letter from BMO Harris Bank indicating there was a {$7700.00} balance transfer on this account along with {$310.00} in fees.
I have called BMO Harris Bank now XXXX different times to discuss this matter. All XXXX times, they kept transferring me around to different people, finally stating that I needed to go to a physical bank branch of theirs to verify my identity so that they could close the account and mark it as fraud. However, I don't live anywhere near a branch, and find it very concerning that they let someone else open a fraudulent account in my name, yet can't seem to close the account without me driving XXXX hours to a branch.
I have also reached out to all XXXX credit bureaus to let them know of this fraud, and have frozen my credit report until further notice so that nothing else can be done. However, my credit score has dropped significantly because of this issue.
|
| 07/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I had automatic payments set up and at the start of XXXX the automatic payments stopped and I was not notified until my account was delinquent, I have been unable to make payments online because my account is closed. I made several phone calls to try and make payments and BMO was unable to take my bank account routing and account number. They kept telling me that my bank account was not recognized in their system. This is the same account that I had automatic payments set up with. I was instructed to go into a BMO branch to pay so I attempted to do this. I went in and was set up with a banker. They could not find my actual account number because the account has been closed. The banker tried to make a payment and was also unable to with my routing and account number. I then had my bank cut a check and send it into the BMO payment center. I only had the last 4 digits of my account since the account is closed and no one was able to give it to me. I also do not have my physical credit card anymore and have not had it for years. The check was sent back to me because I did not have my full account number listed in the memo. I received a call saying that my payments are late. I then explained that I have been trying to pay this card off for months. This associate was able to give me my full account number. I have sent in another check to pay off the account with the account number on it. The check was sent on XX/XX/XXXX.
|
| 01/06/2016 |
Yes |
|
|
|
Web |
|
|
I write you as I believe I have been the victim of a consumer fraud across state lines which warrants a a certain level of investigation. What at first glance may appear to be a minor commercial dispute actually raises some very serious issues concerning consumer credit laws as well as IRS tax exempt status of the parties involved.
XX/XX/XXXX I was illegally charged a {$200.00} membership fee on my Diners Club card ( XXXX ) by the XXXX XXXX XXXX through its proxy service agreement with XXXX. The XXXX XXXX XXXX claimed that I had authorized an automatic annual renewal of my membership for over {$200.00} per year. I never authorized the XXXX XXXX XXXX to automatically renew my membership nor did I authorize XXXX to automatically renew my membership. Furthermore, I never authorized the XXXX XXXX XXXX nor XXXX to hold and maintain my credit card information. Thus their actions were illegal.
When protested and demanded that the XXXX XXXX XXXX reverse my credit card charges they refused to do so. It is my contention that the XXXX XXXX XXXX as an IRS sanctioned tax exempt organization crosses the line when exhibiting this behavior and should lose its tax exempt status. It also my contention that XXXX has built its entire business aiding and abetting this nefarious behavior by the XXXX XXXX XXXX and the other tax exempts that are its client base. XXXX should be ordered to cease and desist from these business practices.
|
| 08/31/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
Older American |
|
I opened a savings account with BMO on XX/XX/XXXX. I had issues with their online website to access my monthly statement. I had to be paperless or the bank would charge a fee for a statement. I could spend up to XXXX hours on the phone at a time with customer service to obtain access to my statements, so I could print a statement. I put up with this issue for 6 months. It was the last straw when I wanted to file a complaint with BMO about my online access issue, & customer service told me that there was no documentation that I had ever had any issues accessing my account. So XX/XX/XXXX I asked customer service what was the best way to close out my account. I was advised to transfer the funds from my account. Then after the funds posted at my other bank to call back in to close the account. I called BMO to close the account on XX/XX/XXXX. I was told by customer service that I would receive a confirmation letter of the account closure within XXXX business days. Which I have never received. I did receive a check from BMO for {$.00}, which I cashed. I called BMO again on XX/XX/XXXX inquiring about a verification letter. I spent over 2 hours on the phone, to 3 different customer service representatives, which gave me 3 different answers concerning a closure letter or statement. All 3 denied me to speak to a supervisor, or escalation dept., or complaint dept. I have no proof that I did close my savings account with BMO.
|
| 06/15/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
My mother was taking care of this issue. She passed last year. We have been in contact with BANK OF THE WEST several occasions concerning my childrens. COOGAN ACCOUNTS. WHILE. they worked, their portion of checks was placed into a coogan blocked trust account under my name as well. They are well over 18 now. Our local bank in XXXX did not know how to handle this type of account. One account balance is at {$0.00} while the other is significantly lower than what was put into the bank account. They applied service fees on these accounts until one was at XXXX and other was very short of what initially was deposited from working as a minor. XXXX XXXX, the banks manager knew nothing on these accounts. He was given a copy of the results of a lawsuit against XXXX XXXX XXXX. Where the second appellate district determined that withdrawals of service fees from a child actors trust account violates California Coogan Law. Since then XXXX XXXX, the bank manager stated he could not help us but directed us to his boss, XXXX XXXX work was working in XXXX, Ca. She as well, did not know about these accounts but would look into it. After my mother XXXX XXXX, had a second conversation with her, she stated she could not help. XXXX suggested that perhaps she could check with their legal department. This has been an ongoing issue. We would like help to resolve this and hope that this bank be trained on how to deal with Coogan accounts.
|
| 07/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
So i opened this account in the fall BMO banking, didnt have any issues until XX/XX/2021 i received a promo incentive from bmo apparently it was for opening an account with them, ( XX/XX/XXXX had been sent with XXXX to my other account ( XXXX XXXX XXXX on XX/XX/XXXX however when the money had already been used, a transaction from for reversal promo was made an it brought my account to negative {$200.00}. The promo I received was {$200.00} After receiving that i was then charge an overdraft fee every business day since start XXXX XXXX XX/XX/XXXX Which then they proceeded to close the account Account was closed apparently an sent to collection to XXXX on XX/XX/XXXX th I then received a deposit of XXXX with unknown deposit date as am not allowed to look at that since my checking was close but am able to look at my balance also spoke to someone XX/XX/XXXX from BMO customer service number called XXXX XXXX ( XXXX ) XXXX XXXX & they told me they see the deposit but i can not access it because checking is closed & why am i being denied my money even doe they close this account any money received is being held. They are not allowed to give me my money but accept transactions. When its there money i get charged an OVERDRAFT fee everyday which i will have to end up paying, but they are currently holding XXXX an more money incoming the following month. Can i get some help or a better understanding thanks for your time.
|
| 03/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
In XXXX of XXXX, I was notified by XXXXBMO Harris Bank that I was approved for a forbearance for months, XXXX XXXX, XXXX due to COVID. The XXXX reps name is XXXX, initials, XXXX.
In late XXXX, I received a call from XXXXBMO Harris bank to inform me that my forbearance was not approved. I was notified that the XXXX rep informed me of the forbearance approval in error. This was a problem because XXXX and XXXX payments were already missed. I then asked for a Supervisor who eventually had the recording pulled of the conversation where I was notified of the approval. The Supervisors name is XXXX XXXX. I was led to believe that since XXXX made an error, the three months could be placed on the back end of the mortgage loan. Instead, XXXXBMO Harris Bank reported a 90 day delinquency on my account, which caused my credit score to drop XXXX points. When I learned of the negative reporting, I managed to make a payment to bring my account current, early XXXX, XXXX. I had exceptional credit, score XXXX, until this error occurred. Now my credit is unbelievably low, after I have worked so very hard to maintain my credit through the years. There is no way I neglected my mortgage. My credit history speaks for itself. I need the delinquency removed from my credit report. I can not accept anything less. I have worked too hard through the years to gain an XXXX credit score to fall victim of someone elses error. Please help me,
|
| 04/26/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
This is a follow up on " XXXX " Dear Madam/Sir, I'm glad that BMO Harris Bank N.A . is trying to resolve the issue, and I am delighted to know that BMO Harris Bank N.A . confirms that I have received the informational brochure ( attached in the initial correspondence ). However, as a resolution BMO Harris Bank N.A . has offered a dismal XXXX rewards points, which is 10 % of the advertised introductory bonus. The language in the brochure is directly calling the recipient, " Make every purchase count. Activate your BMO Harris Bank Platinum Rewards Mastercard today and earn XXXX bonus points after {$2000.00} ... ''. And I, the receiver of the brochure ( mailed with the card to my name and address ), spent the {$2000.00} within the demanded time-frame and DID NOT earn the promised XXXX bonus points. I want emphasize, nowhere in the disclosed material, a distinction is made between a product change and a new account. The distinction on which all the BMO Harris argument is based. Moreover, have I not been eligible for the introductory bonus, I shouldn't have had received the brochure. Sending that brochure and advertising a bonus as a return of a spending is a clear indication of incompetency, to say the least, if not misguiding advertising. Hereby, I refrain to accept the posted XXXX rewards points as an adequate resolution and am seeking for the full advertised bonus of XXXX point plus the damages and lost time.
|
| 11/16/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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|
I contacted BMO Harris regarding our XXXX auto loans that we have financed with them. Both loans are current accounts & have never been past due. My husband recently was out of work due to XXXX & there was payroll issue with his check. To avoid being late, I contacted BMO Harris to inquire about a deferment/extension since this would be an a short term issue as it was already in process of being rectified. After they reviewed the accounts, while I did qualify for the deferment/extension they would not approve it because it was based on my husband 's income interruption & not mine, but both loans were listed in my name since I usually handle the car shopping for our household. I explained to the representative as well as the supervisor that our household works off a joint income and a delay of {$1000.00} was an impact to paying our monthly bills as it would be for many people. They still declined the request again for the only reason being that it was not my direct income being impacted. I feel I was provided a lack of service due to being honest. As a good consumer who pays bills in a timely fashion, I feel this situation should have been looked at with a different level of scrutiny vs. to the letter of their policies. Working in the same industry, I understanding having policies, regulations, and guidelines, as well as when there is room to service the consumer with flexibility within those same practices.
|
| 07/20/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
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I have been trying to combine my home equity loan into the mortgage and refinance with Harris Bank since XXXX 2015. It seems that each time a bank employee disappears and drops the ball. The Bank 's " Help-Line ( an oxymoron ), '' seems to drag out the process, asking me to fax an IRS Form XXXX to their office at XXXX in XXXX , WI., but when I try to send the fax, their fax machine does not pick up and when I try to contact them by voice at XXXX, either I get the run-around, or their voice mail system becomes an impenetrable barrier to communication. My " Single Point of Contact, '' was XXXX XXXX, XXXX, who inexplicably disappeared leaving no named successor as a " Single Point of Contact. '' Before he disappeared, I left XXXX XXXX a voice message informing him that his fax machine was not picking up. Some time later, his supposed assistant called me, apparently after listening to his voice mail and sent a letter which XXXX sent nearly a month ago asking me to fax the IRS Form to the non-functioning fax number. The form is time sensitive and must be received by the bank to complete the process. In this comedy of errors, it appears that Harris Bank is either deliberately acting so as to induce my attempt to combine the loan with my mortgage and refinance to fail, or the bank is so incompetently managed as to produce the same result. I can submit documentation in support of my complaint by fax and snail mail.
|
| 05/26/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
BMO Harris claimed to have sent me {$200.00} in error due to a promotional promise. I opened up my account and was under the impression I would be getting {$200.00}. But when they did deposit it they claimed it was an error. Now they are charging me {$35.00} for overdraft fees as I STARTED TO SPEND THE MONEY THEY OWED ME. They also have my account negative {$50000.00}. My account should never be negative {$50000.00}. This is ridiculous. BMO Harris also sent out a {$50000.00} check without my permission to XXXX XXXX. They did not provide me with any tracking numbers or proof that they sent out this check other than their word. Their word is not good enough as they already stepped over their boundaries with my account. Now XXXX XXXX is claiming they don't have the check and has not received it. BMO Harris being careless with my funds and trying to make me pay unnecessary fees behind it. I opened up my account during a promotion. If I was not guaranteed that money they should have never put it in my account. I spent most of the funds and am now negative in my account due to their error. And they have the nerve to charge me a fee as if they didnt already put me through enough. I have XXXX and XXXX behind this. BMO Harris should have never made me feel like a criminal and tell my that my PO called up there. I record my calls. Their comments towards me caused me to flip out and get admitted into a hospital.
|
| 05/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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|
I only owned one credit card in my whole life. I have no history of late payment or no debts. My credit score was XXXX. In the end of XX/XX/2022, Bank of the west sent me a new card after my credit card got fraud charge. Then, Bank of the west made error, changed my card/account last name to XXXX without my consent or any sort of verification process. I called immediately on the day I received credit card that the card wasn't working, and the last name is wrong. Ever since, I visited Bank of the west 3 times and must had called them 7 times 3 weeks apart. I requested to fix the error and give me a letter admitting their error. They had to close my account to change my name back to XXXX and my credit score went down to XXXX due to the account closure till they sent me a new card and reopened the account about 3 weeks later. I requested the proof of their error written in letter so that I can submit it to credit burau to fix my credit score. Bank of the west representative stated they started investigation more than 30 days ago. I heard that at least 3 times from different representatives over 5 months. They never called me back. I called them multiple times, they have made no progress, in past 5 months. My credit score remain XXXX.
Please help me to get the investigation letter and proof of their error from bank of the west. I desperately need to fix credit score to buy a condo. Thank you very much.
|
| 05/01/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
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.
|
| 05/16/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Web |
|
|
I have an equity line of credit with BMO to consolidate some credit card debt from equity from my home. The most important issue is the bank was to disperse the funds to the credit cards. There was to be a {$10000.00} check sent to XXXX. The check was allegedly sent to XXXX but was not received by them. BMO is stating the check was sent XXXX says not received. I have started paying my BMO line of equity back. BMO has stated that I need to pay my XXXX bill as well to not be in default with XXXX even though funds were to be dispersed to XXXX. I am now having to pay the equity line of credit, the XXXX bill and am accruing interest on a XXXX bill that should have been paid off in XXXX. Not only am I dealing with this financial strain, the whole process of dealing with BMO has been a nightmare. From BMO sending my highly confidential financial documents to some unknown address ( which they are providing fraud protection for a year that I had to demand and waited for for a month ) to this issue with missing funds equaling to {$10000.00} plus interest. I have been working with the branch manager from BMO who has not provided a timely solution to this issue. As I explained to the BMO branch manager - they have put a lean on my home for this line of equity which is fair but now I am in financial unease because of the fund and personal financial information mishandling of BMO. Attached is the letter from XXXX
|
| 03/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We refinced with BMO Harris in XXXX time frame 2021. They sold ( moved ) the loan to someone else. We are on auto payment each month everything was working fine until XX/XX/2021. A payment was applied on XX/XX/XXXX and it was not made by us. so when the end of the month came no auto payment was taken out. we have followed up with a few differnet people and finally have been talking to a VP of loans from BMO Harris They had us follow a series of calls and seversl request to find out where the payment came from and for them to correct it.. Another month went by and no resolution. and now it is XXXX and still not correction to the problem. We contacted BMO Harris and moved up the ladder to another person higher. We tried and followed their suggestions. We had many contacts and follow ups since XXXX.
We were assured by a VP of loans that it should be corrected and now end of XXXX stil no correction to the problem - per her suggestion we were told to contact you We have made our XXXX and XXXX payments so we are all current but with different correction they tried to put on our accts they even took money out that was ours and not part of the payments Recapping, since XXXX per the phone application ( and in live discussions her application shows something else ) it shows we are 2 months behind. Today 's live call passed the buck of getting this resolved to you and submitting this complaint.
Please help
|
| 02/24/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
The BMO Harris Bank auto loan department, loan approve person part of this fraud with my name and credit not following proper procedures application to review at the time I did not know the when I file the complain to attorney general state of Illinois. I discover this when I requested that XXXX XXXX, BMO Harris Bank mortgage loan originator, to send me an original copy of the good faith contract that my wife and I had signed but I have not received that yet. Instead, XXXX XXXX sent me the copy of the original auto loan paper work which was postmarked XX/XX/2012. It is from these auto loan documents that I learned about the fraud that was committed. In the Applicant 's Credit Statement section of the auto loan documents, they list my name, date of birth, social security number, and home phone number with XXXX XXXX XXXX 's home address, place of employment, salary, and business phone number. This was done without my knowledge and permission and is clearly fraudulent. The rest of the documents list my name with XXXX XXXX XXXX 's home address. I was also unaware that the car financing was switched from XXXX to BMO Harris Bank as most of the addresses for XXXX are changed out and BMO Harris Bank 's address is listed instead.
Harris Bank auto Loan # XXXX In end my only complain about Harris Bank not following proper procedure for loan. I never work as developer and make over {$58000.00} that the lie.
|
| 09/25/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I deposited a check from XXXX to the checking account I had with BMO Harris Bank. After a few days, the balance reflected that the check had been deposited into my account, so I transferred some funds out of that account. Then, after a few days, when I logged into my BMO account, I noticed that the check was returned and my account balance went to negative because of that. And I was charged a " returned check fee ''. I suddenly transferred some funds into that account to avoid the balance being negative. After the funds got settled, my checking account was closed by BMO Harris Bank. I called them to return the fee that they charged and the customer service representative said that due to my account got closed, it's difficult for them to see the transaction history, but she promised me that they will contact me about returning the " returned check fee '' in the next 72 hours. However, I have never heard back from them so far.
Firstly, it's XXXXXXXX XXXX decision to issue me a new check and void the check I deposited into my checking account with BMO Harris Bank. Secondly, why BMO Harris Bank allowed me to transfer the funds out even if the funds were not fully settled? I wouldn't know the check would be returned. Thirdly, BMO closed my account without any proper or prior notification and I have no access to my statements and transaction history any more. And BMO failed to resolve the fee issue.
|
| 01/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
In XX/XX/2022 I signed up with BMO as a result of a direct deposit promotion. If I deposited {$7500.00} over a 3 month period I would be eligible for a {$350.00} bonus. I signed up on BMO 's online promotion page, where I was offered two options : a regular checking account or a money market checking account. There was no disclosure that the MMA did not qualify for the bonus so I signed up for that option. I later contacted the bank and their agent verified that I was eligible for the bonus. However, after depositing more that the {$7500.00} minimum within a 3 month period, I contacted BMO and they told me I would not be getting the bonus. Further, they charged me {$10.00} per month in fees while the account was open -- which as not disclosed to me at account opening. Infuriated, I tried to close my account online but BMO would not let me. I called customer service to assist with the closing and BMO tried to charge additional fees for closing the account. Unwilling to lose any more money to this criminal enterprise masquerading as a bank, I was not able to close the account. I file this complaint to : ( 1 ) close this account and get my money from BMO without any additional fees ; ( 2 ) have all fees charged returned to me ; ( 3 ) have BMO pay me the {$350.00} bonus promised ; ( 4 ) compensate me for time lost from work pursuing this action ; and ( 5 ) any punitive fees to which I am entitled.
|
| 02/19/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I received a small business loan from XXXX XXXX XXXX XXXX in XXXX. The loan was secured by my house as collateral. XXXX XXXX XXXX was acquired by XXXX XXXX in XXXX. I paid off the loan in XXXX. Although the loan number has changed over the years due to BMO acquiring XXXX XXXX XXXX the original loan was never discharged or recorded as being paid off.
The original loan is still showing as a lien against my house which I'm trying to refinance with XXXX XXXX ( BMO currently has the mortgage ). I've tried contacting BMO about discharging the original loan. I've made many phone calls and related my situation to at least 3 different people. I have a rate lock with XXXX expiring on XX/XX/XXXX. I've already lost {$1000.00} due to the delay of closing my new mortgage and now I might have to settle for a higher interest rate which will cost me even more money. BMO has been unresponsive to my situation. The last conversation I had with them was at XXXX on Friday, XX/XX/XXXX informing me that the person I was speaking with couldn't help me because it was a business loan and I had to contact their business lending department. Everyone I've spoken with was told this was a business loan. WHY DID IT TAKE A WEEK AND 6 PHONE CALLS FOR BMO TO TELL ME I WAS TALKING TO THE WRONG PERSON? This is now a time-sensitive issue caused by BMO 's incompetence and negligence in not discharging my loan over 6 years ago.
|
| 12/16/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
Hello, I am writing today because BMO Harris Bank is holding over {$11000.00} in a checking account going on 5 months now.
A very close friend/roommate of mine XXXX XXXX filed for unemployment and he asked me to use my account to deposit his direct deposit to, okay no big deal he does so. BMO then locks my account stating it's fraud I explain the situation to a man named XXXX who works for BMO Harris. Remind you this is on going 5 months now, the gentlemen XXXX who is very very rude and un-kind accuses me of fraud, okay no big deal I can bring XXXX XXXX into the BMO branch and he can explain it himself since that's who the deposit was for he just used my account because he didn't have his own at the time. XXXX directs me to go into a branch with My ID my social security card and Also my friend XXXX XXXX along with his SSN Card, Birth certificate, and ID. I take him to the bank, we do everything all followed along with every piece of his unemployment papers and they FAX it into " XXXX ''. I hear nothing from him, I've maybe spoke to him 2-3 times in 5 months I have spoken with several managers over the phone who work for BMO who also can not get ahold of this guy. There is 2 options legally they have to follow which is, return the funds to XXXX so he can get them resent elsewhere OR they have to mail me a check with my account balance. 5 months for nothing to happen is outrageous, thanks
|
| 06/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I received an check from XXXX insurance company, I deposited it into my account it was approved and ta few days later made available. The same day it was made available I had a problem with an insurance company charging my account which was unauthorized. I additionally received my paycheck, I tried to XXXX my mom money for rent and it placed a hold. Okay so I waited for the morning and tried calling in and I have to speak to a fraud representative. This representative XXXX is very hard to get into touch with, the entire department is. I was told I would receive a call back Friday before the end of the business day after sending in proof of the check stubs and check from the insurance company and never received a response. I call in today and was told by a banking employee that they can only hold my account till Thursday XX/XX/2023. Upon finally speaking to an fraud agent I'm being told it can be held for 14-20 days. This is completely, unacceptable. I am a working adult who has bills and responsibilities and this type of service is unacceptable. I asked them if theirs an issue with the check to just remove it from the account and i will walk into the local bank where the check was issued, they don't wan na do that. They say it's about authenticating the check and I have worked at a bank, I know you can call them and ask. I just want access back to my account and the hold to be lifted.
|
| 06/14/2017 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Wrong amount charged or received
|
|
Web |
|
|
https : //www.bmoharris.com/main/personal/checking-accounts/smart-advantage/ BMO Harris Bank : The bank advertises 0 fee with NO fine print for international incoming wire transfers.This is false advertising and this is not how it worked out for me when I used their service. I opened a checking account with them on XX/XX/XXXX because they advertise the 0 fee for incoming wire transfers which I needed to receive from family in XXXX. I had a wire transfer into my account initiated XX/XX/XXXX and received the following day. The expected amount was USD XXXX but only USD XXXX was received. When I called their Wire Transfer department today to inquire about the missing {$20.00}, I was told there is an intermediate bank which takes a commission and it is not their responsibility and I should check with the sender. The sender has paid separate fee to the sending bank for initiating the wire transfer and has nothing to do with intermediate bank either. {$20.00} is not a big amount, but the advertising is false and it should be corrected. At the very least they should notate this in the fine print instead of saying no fees for incoming wire transfers warning to the fact that the transfer could be routed through an intermediate bank that would result in added fees. Nowhere is that listed and it is still advertised as such on their website that they do 0 fees incoming wire transfers.
|
| 03/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/XXXX I entered into a person loan with BMO Harris for {$15000.00}. Due to being diagnosed with XXXX XXXX in the last week of XX/XX/XXXX, I was extremely ill for over month. In XXXX I was XXXX, laid off of my job, and dropped from my corporate insurance policy. I was sighted for a 30 day late for XX/XX/XXXX by BMO Harris on this loan. When I was well enough, I contacted BMO Harris and notified them of my near XXXX XXXX issue. I requested a courtesy adjustment to my credit report undet the circumstances and was told that they would remove the late pay as long as I caught the payment current. On XX/XX/XXXX I paid {$600.00} to catch the payment up. The late pay was never removed. I then repeated the process and disputed the late pay. Still.never removed. Now, on XX/XX/XXXX I cantacted BMO again and spoke with someone in the department that handles credit reporting. After being on hold for 45 minutes, i was notified that management had approved for the late pay to be removed, the sited the previous notes and I was told it would take 7-10 days. Today is XX/XX/XXXX. The late payment is still reporting. At this point, this late payment is adversely affecting my ability to finance my business and do my life, and take care of my family. According to the Hereos Act Section 110401, negative consumer credit reporting is suspended during the Covid 19 Pandemic plus 120 days there after.
|
| 09/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
BMO just took over my old Bank of the West checking & savings accts. I have had for 6 years. Of course, we, as long time customers, had no choice in where our accts. were transferred to.
1 ) I am unable to sign up to online banking through the website. I was on hold with BMO for an hour and when I was finally put through to a CSR he was of absolutely no help.
2 ) Today I went back to the phone online app. that I was able to download ( as that was the only other option I had to access my accounts ). I had major problems changing my password and then logging back in. After 1 hour I straightened that out only for my accounts to be " hidden '' on the app. I followed the directions to change preferences to show my accts and it just keeps directing me back to preferences so I still can not see my accounts. Again, I call CSR and again I am given no solution. These BMO csr 's have no idea what they are doing, I can not even understand what they are saying as of course they are foreign so the huge rich banks can save money and sacrifice any sort of professional assistance for their long time customers. I requested a supervisor and the CSR would not put me through. I went online trying to find a corporate contact number, email, anything and there is no support option except for the number I have repeatedly called for assistance, with no help.
I need help getting access to my accounts!
|
| 11/15/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Older American, Servicemember |
|
ON XX/XX/2022, I used bill pay at BMO Harris Bank and scheduled a payment to be sent.The payee did not accept on line payments so a check was mailed by the bank and the bank debited my account 3 days later. 6 weeks later I found that the payee never received the check, but my account had been debited by the amount.
XXXX XXXX, I have asked the bank why the account was debited when the check had not been submitted. ( There was no information on the website explaining this practice. ) Response from the bank was that is the way digital pay is done.
I asked the bank when the bank reverses the debit to my account. They do not ever reverse the debit unless I file paperwork to show the check was not cashed and request that the amount be added back to my account. I also asked if I closed my account without knowing the check had not been cashed, would there be an audit to identify that transaction and credit my account. Answer : no. I asked who would get that money in that case. No answer.
I think this happened once before, but I can not check it since the bank does not keep records older than 7 years.
To insure that this does not happen again, I will not use digital bill pay for payees not accepting on line payments.
I think this practice should be reviewed and hopefully be changed in some way. I do not believe that the bank should debit my account when a check has not been cashed.
|
| 08/29/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
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.
|
| 06/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Customer : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX a Mailed in a payment in an amount to nearly pay the loan in full ( {$8200.00} ), knowing that there will be a small residual amount remaining. The loan is set up on auto pay, the intent that the next auto payment would pay the remaining balance in full. The check was received by BMO around XX/XX/2022. XXXX XX/XX/2022 a letter with a check was received in the mail, stating that the funds were being returns on account on not properly remitting via wire/certified funds.
a call was made to BMO to discuss the reason why this check was returned and why the check sent wasn't accepted. The check was good with sufficient funds backing it, therefore it's unknown how and why the receiving bank has the authority to deny the transaction. The request or ask of the BMO representative was to be able to backdate said check to the date received in early XXXX. This request was denied again for failure to remit said funds by certified check or wire. I was also informed that when we pay it off, that the check received back was not acceptable to use.
With this delay, the per diem is over $ XXXX resulting in additional financial harm. We feel we have made a valid effort to remit funds to pay the loan down with the intent of paying it off via the XX/XX/2022 AFT payment. All we ask is that the payment be backdated to the date received.
|
| 07/06/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Refund anticipation check
|
|
|
Web |
|
|
the bank called me to inform me that it was a fraudulent check and they handled it really bad. the lady was being very rude and disrespectful to me ( a young adult who isnt financially informed ). i got scammed online and the check looked very real and im are only XXXX so i have no idea what fraudulent checks look like, and i didnt even know they were a thing. The lady on the phone was victim blaming as i was sobbing on the phone having a XXXX XXXX and she made no effort to comfort me, she keept asking me what is going through you head to make you think that you are able to cash a {$2500.00} check for nothing and she was being rude and hanging up on me, i said i was scared and didnt know what was going to happen and she said the bank was probably going to bann me and that isnt up to her and she said she needed to go and call the fraud department and i was trying to say sorry but she hung up on me mid sentence. im only XXXX and ive only had a bank account and a job for a few months now, i never had parental figures to teach me about finances, and i can not take social ques and i cant tell if someone is being serious or joking or being manipulative. today is XX/XX/2022, i put the check in on XX/XX/2022. The bank is BMO Harris, and i will be transferring banks because im probably getting kicked out anyways and i dont want to associate with a bank who disrespects their clients
|
| 07/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
Older American |
|
XXXX XXXX, I payed a bill by check to XXXX XXXX ( XXXX ) on XX/XX/XXXX that was altered to {$1000.00} and cashed. The check was quite visibly altered and nevertheless cashed in XXXX XXXX, CA. In a XXXX XXXX Bank, XXXX XXXX XXXX on XX/XX/XXXX at noon And deposited into the account. Of XXXX XXXX, reference payroll. Since XX/XX/XXXX I am dealing with this fraud through my bank, BMOHarris ( XXXX XXXX ) XXXX XXXX, XXXX, Illinois. The bank finished the required inquiry and submitted it to XXXX XXXX XXXX on XX/XX/XXXX. Since then I was told by the XXXX. Of the BMOHarris bank, that it is no longer their problem. That I need to deal with XXXX XXXX where the check was deposited. After trying my hardest to to connect with XXXX XXXX XXXX XXXX. I was told by XXXX XXXX XXXX XXXX : 1 ) they will give no information since I do not have an account with them, 2 ) they do not talk to third parties, 4 ) for fraud cases it is only bank to bank.
I found out through a complaint to the XXXX that the bank that represents me should be the bank in which I have an account, BMOHarris Bank. when I go to the BMOHarris bank, the XXXX XXXX XXXX tells me XXXX ) we will not pay you, XXXX ) Deal with XXXX XXXX, they have the money, XXXX ) It is not our fault, you signed the check. I need help since it will soon be a year And I have no solution to the problem and this has caused me financial difficulties
|
| 10/19/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
In XX/XX/2021, I submitted a Cashier 's Check ( $ XXXX ) to payoff the debt with BMO Harris and yet to receive a Lien Release Letter. I've reached out through email in XX/XX/2021 and received an apology and promise to resolve matter. Now we are in XX/XX/2021 and no resolution.
After learning that the lien is on my property 's title on XX/XX/2021, I called Harris bank to inquiry on the matter. It went from you owe us money to we will have a letter to you in 72 hours and promise to escalate the process. After 72 hours has gone by, I haven't received the letter, constant back and forward with phone representative, then I decided to go speak with a branch manager, which didn't get me the letter that I requested. Only explained that the letter is at recorder 's of deeds. Contacted Recorders of Deed, nothing is found. Today, I'm being told that its going to take 10 weeks to get the letter of release.
This type of action is unacceptable and has caused an inconvenience. They make promise and don't follow through. The fact of the matter, I sent the payment back in XXXX and I am getting the running around to get the required document that should have been in the system, if it take 10 weeks. Just for Harris Bank neglecting to process my payment in adequate amount of time this lean release letter should be in my hands today.
I need help getting this matter resolve immediately!
|
| 06/11/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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|
BMO Harris Bank called and stated that I deposited a fictitious check into my account. The check was submitted to my from my son, XXXX stated the check was. not ficitious. BMO mislead me in result they took my money out of my account and never sent me a check for the balance. BMO fraud department contacted me once and I have never heard from them again. The manager of the local branch also could not assist with my issue. On XXXX, 2021 they informed me my account has been closed but my account still have alerts that are coming to my phone. BMO stole my funds and claim that they sent them back to the lender which is false information. Harvest has not received a check or money transfer from BMO bank. My account was hacked by BMO and all of my funds have been stolen. I have documents from XXXX whom sent the check which clearly states that the check was valid. I'm a gig worker and a sole owner which gives me the right to do banking from my personal checking account. BMO recently told me that a check was mailed out for XXXX. The check has not been received. The BMO account is still active. I recently received a statement which shows me the open active account that is on deposit only. Please see if you can obtain a paper trail for the money that was supposed to be refunded to the lender. I'm an XXXX XXXX woman and I feel that I have been racially profiled by BMO Harris Bank.
|
| 07/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
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I visited a Bank of the West BMO ATM on XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA on Saturday XX/XX/2023. I entered my Debit Card ( from a different bank ), and the ATM proceeded to reset. It reset 3 times without releasing my personal debit Card. I called the XXXX BMO number that was listed on the ATM for assistance. I was told " BMO can not help you ''. I, therefore contacted the bank via their direct number for the branch. They did not have a voicemail to accept after hours questions or concerns. I checked the branch location site for an email for general questions. There was none. There were no listed email addresses for any of the employees. I left a complaint on the customer service survey and asked for the branch to give me a call. I tried to call again today on Monday and have not received a response ( XXXX ). I waited in 100 degree heat for the ATM to reset and release my card. It shut down after the 3rd reset and did not release the card. I was able to contact my bank and they cancelled the card and will mail a new card, but I am without the ability to get cash in the interim period due to the failure of Bank of the West and their transition to BMO. If the ATM is not able to process the transaction, it should release the card immediately. I would like some confirmation that my card has been received and has been destroyed properly or returned to me.
|
| 04/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Older American |
|
On XX/XX/2023, my XXXX XXXX XXXX mother, XXXX XXXXXXXX died. Within two days of her death, her bank, Bank of the West, locked her accounts and closed her cash rewards credit card without notice ( I found out when XXXX notified me that the auto payment from her credit card was declined ). At the time they closed it, she had a " substantial '' amount of cash back owed to her from Bank of the West. I called Bank of the West which refused to talk with me ( even though I am the executor of the estate ). Visiting the local branch in XXXX XXXX, CA was equally frustrating, the people there saying they couldn't do anything but they would have someone from corporate contact me. Today, corporate told me since the account was closed ( by them, not us ) they owed my mother nothing and they would keep the rewards cash that she had earned. She had been with Bank of the West for over 70 years, back to when it was XXXX XXXXXXXX XXXX of XXXX XXXX. Though she was the cardholder, I handled all of her finances for the past five years, including making monthly payments to Bank of the West. The account was paid in full every month and never was there a late payment. My email address, home address and phone number were the contacts on the account. Bank of the West to this date has not sent any notification saying they closed the account, only confirming they did so when I called them.
|
| 12/29/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Repossession
- Voluntary repossession
|
|
Web |
|
|
On Thursday XX/XX/XXXX at XXXX MST my XXXX XXXX was towed out of my driveway. I contacted the local police department to report a theft. The police department suggested I contact my bank because the vehicle was being repossessed. The bank I had the loan with was Bank Of The West. I called the number provided and the call was to BMO Harris bank. Up to this point I was not aware the Bank Of The West was bought by BMO. All payments have been made on time from XXXX to XX/XX/XXXX. After speaking to a costumer service representative. They could not locate any information on me. After seven hours of being on the phone I received a call back saying I owed payments from XXXX to XXXX and Tow fees plus late fees. I told them that was incorrect since this was not my fault because I was not informed by BMO that no payments were being made. Finally I received an email from BMO accepting responsibility for their mistake and all I had to pay was what was owed since XXXX. I was informed to go to a BMO bank and pay them a total of {$1900.00}. On XX/XX/XXXX I went to BMO bank to pay and they did not have an account on file for me to pay. They do not have me in BMO system. I paid the money to an account that they created and was able to collect my vehicle from repossessions. I returned back to BMO to find out where my lease agreement is and nobody is able to locate it as of now.
|
| 08/24/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
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I was given a deferment during covid. I ended up paying it off and then was offered a forebearance. I did not need it so I did not accept it. They processed it anyway and took out more credit on my already maxed out HELOC and then said I owed them this additional money that I never used or approved of. I was never able to speak to anyone about this issue despite me calling at least 100 times over the past 3 years. No one can explain what happened but they are still charging me for this " deferred interest '' along with multiple other charges that no one can explain to me. I got behind on my payments again and because they were reporting me as being late to the credit bureau, I was not able to take a loan out to catch up on my payments. They claim that payments that are in dispute are not owed until the dispute is finalizes but then I get served with foreclosure papers unless I pay {$8700.00} which includes the deferred interest along with my payments that I fell behind on plus their lawyer fees for the foreclosure. I ended up curing the delinquency and now they refuse to provide me with any written confirmation that my house is no longer in foreclosure or that my delinquency has been paid. All I have is my receipt from the branch of payment which is not sufficient because I keep getting harassed by people wanting to buy my house or save it from foreclosure.
|
| 02/04/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I have opened an account in XX/XX/XXXX acting on solicitation from the BMO Harris bank promising {$200.00} opening bonus. The account was opened in the XXXX XXXX, IL branch and when I was asked by the banker for my profession I declared to be self-employed and getting paid by assignments ( copy writing, translation ) etc.
Subsequently I have received two direct deposits ( XX/XX/XXXX, XXXX and XX/XX/XXXX, XXXX with another one coming this week ) and when I again inquired at the branch I was told that the qualifications were met and the opening bonus will post in XX/XX/XXXX. Last week I called and I was told by BMO Harris employee that the bonus will not be paid since the direct deposit were not payroll or other govt benefits.
Questions : 1 ) since I am self-employed and getting paid on assignment base why was the mailing directed at me since I wouldn't have qualified, according to BMO 's own opinion on the offer?
2 ) why the employee at the branch have accepted the offer and reiterated its validity to my situation and why was I informed that the bonus will be paid in XX/XX/XXXX?
It is apparent that despite meeting the monetary threshold of the direct deposit ( {$300.00} ) the bank doesn't want to honor its own offer suggesting that my deposit wouldn't qualify anyway. It is not only a circular logic argument but it is deceptive with intention to deceive.
|
| 09/26/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a BMO Harris Smart Advantage Account on XXXX XXXX. There was an offer that I would receive a {$200.00} bonus if the new account received two qualifying direct deposits of at least {$300.00} or more within 90 days of account opening, and once that happened I would receive the bonus within 120 days. The deposits were made successfully in XXXX. When I called in XXXX to ask where my bonus was, they stated I had to wait at least 120 days. When I logged on to my account on XXXX XXXX to check if my bonus had posted, my account had been closed by BMO Harris. When I called and asked why, they stated my account had been dormant for 45 days and that they closed. When I showed them that in the account disclosures a dormant account is classified as 3 years of inactivity, they said they could close my account at any time for any reason. I spoke with XXXX and XXXX XXXX in their call center. I find it extremely fraudulent for a bank to ensure you that you 'll receive your bonus in 120 days from account opening, and then close your account days shy of passing that boundry. Especially after calling and confirming that the bonus terms were met. I 've attached copies of my online statements showing the deposits were made, and when they closed my account. I also included the terms of the account that outline an account can be closed for dormancy reasons after 3 years.
|
| 03/01/2016 |
Yes |
|
|
|
Web |
|
|
I have been a customer of DINERS CLUB for the past 20 years. During all past 20 years Diners club never submitted data to credit reporting agencies. In XXXX XXXX, Diners Club sent me a note stating that they start submitting data to reporting agencies. The letter did not inform me that the card will submit data in the past 2 years. Unfortunately, Diners Club decided to submit data for the past 2 years. Giving the fact that I have been a customer for twenty years during which the card never reported data, it is reasonable to assume that the data being reported should only include data from the time they informed me they will start reporting, not data in the past. For example, had I known that Diners club will report data in the past, I would have cancelled my membership. Or would not have made use of the extension they have for their clients to pay after 60 days instead of 30 days.
This is not acceptable. The card never disclosed in their terms and condition when I signed up for a card in XXXX that they will report data to credit Bureau. The card should only report data from the time it informed its customers of its intent to report data and moving forward, not to go back 2 years.
I am asking you to take actions that compile BMO HARRIS DINERS CLUB to only report data from the time they updated its client of their intention to report to credit agencies.
|
| 11/21/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
The bank of Montreal had a Fraud investigations person contact me XXXX weeks ago, and took the claims over again that Ive had ongoing for XXXX months before the merger during the merger, and after the merger with XXXX XXXX XXXX XXXX, I tried to get the money out of the account and close the account that I have which is a secured card for {$12000.00} that I gave to the bank and they couldnt close because they didnt know how inside the branch in XXXX and now all the claims have been credited to my account but the person who took the claim told me that I cant go pick up my money until Friday and Friday is a closed XXXX XXXX again Im astounded at how this bank is treating my issues and dragging on time and making me wait I need to go in the bank today or tomorrow and pick up my money and close my account. I shouldnt have to wait another week. I can not go into a branch without the fraud department calling them and instructing them to close my accounts and have a check ready to pick up because they wont do anything for me. They treat me as if they have no clue what to do. I have to go through this online service people, customer service departments, and Fraud department for them to instruct the branch to close my account its astounding to me. I just dont understand why I have to wait and now shes told me that I have to go on Friday when the bank is closed.
|
| 06/10/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
On XX/XX/XXXX and XXXX th my husband and I opened an checking account with bmo Harris. We wanted a debit card we could use in the US. The agent took all our information but in the application o the XXXX put in our sin numbers and never asked if we had individual taxpayer identification numbers which I now know I need to have on my account in order to open it. We both have XXXX numbers as we had a house in the US and ran an XXXX XXXX XXXX XXXX. We also never gave a user Id.
I have spent hours on the phone with so many people and even the agent that opened our account. The security question to me was what account did you open. I said a checking account. I was supposed to say smart advanced checking account. Then I was frozen out. I talked to a supervisor who said if I went to my local bmo branch with my Id and get a verbal passcode all would be well again and I could get into my account. I did this and after waiting about 45 minutes with the agent giving all my details to bmo Harris. Then I had my verbal passcode and was verified. The next day nothing was changed and now I have to go to a Notery which I am told is the only way to get into my account which we have deposited {$50.00}. The XXXX will cost us {$75.00} each. I also said I would take a pic of my itin or password and send it to you but now all they will do is make me go to a XXXX. Please help
|
| 10/29/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
Older American, Servicemember |
|
I was a new customer at BMO Harris Bank and opened a savings account with a coupon I had that promised a {$500.00} bonus if I met certain requirements. I met those requirements but did not receive the bonus. The bank was informed that I did not receive my bonus and I was told by XXXX XXXX of the XXXX WI branch that they would need to research the issue. I was later informed that because I have a son with an account at the bank and he is allowed to be a cosigner on my account to handle my finances for me ( I 'm XXXX years old ), I would not receive the bonus. I feel that this is ridiculous, unfair, and since it was not disclosed to me at the time I opened the account I believe that the account was opened under fraudulent pretense that I would receive the advertised bonus. Rather than reward my son for bringing the bank significant new business I am penalized for banking at the same bank my son uses. This is a sleazy way to do business and I am considering closing my accounts and moving to a bank that does not promise incentives and then look for ways to get out of fulfilling them. I lived up to my end of the agreement with the bank and I expect them to live up to theirs. I am also filing a complaint with the Wisconsin Department of Financial Institutions if this is not resolved immediately. I am entitled to a {$500.00} bonus and I expect to receive it.
|
| 01/18/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Hello, I always use XXXX to transfer money between my XXXX bank accounts. XXXX and BMO Harris. This particular time i used XXXX XXXX to tranfer money to BMO Harris. I transferred XXXX dollars from XXXX XXXX to BMO harris because BMO harris ATM was closer to me at the time. I waitied until i seen the funds avaliable and i went to get the funds from the BMO ATM. Fast forward a couple weeks and BMO is telling me my acct is over drawn by XXXX which i dont understand cause i had the funds, i checked before i took it out. XXXX XXXX is telling me funds were taken from my account and provided me the transaction number and everything but BMO was telling me they have no documentation of me transferring the money only taking it out. I went back and forth between the two banks for months and got nowhere. Now BMO harris sent my info to collections and closed my account and now i am in XXXX XXXX for something i had no controll over. I can not open accounts because of this.
Also BMO harris owes me money because i had another acct being deposited into the acct and what they said i owe was being payed down so my balance went from XXXX to XXXX by time i knew anything and they sent it to collection and they knew i was fighting this and they still sent me off Transaction number to this amount transferred was XXXX This was provided to me by XXXXXXXX XXXX Thanks
|
| 01/31/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
This bank is pretty useless and has no idea how to do business in the US.
First they suspended my XXXX service due to suspicious activity. I was sending MYSELF money between my two bank accounts using XXXX
It was unsuspended only to be suspended for the past 3-4 months. Ive called about 20 times and spoken to different supervisors, everytime i called they tell me the same storyline. It will be reviewed in 3 to 5 business days, but it never does. My accounts are not eligible for XXXX or transfers. Oh and wait. My local branch has been out of temporary debit cards for 3 WEEKS. Offering no XXXX solution but to pay for a debit card by calling bmo service. This branch is useless, how can they still be waiting for temporary debit cards for that long?
My account is in negative status right now, due to a payment coming unpexcted, i went to the branch to get a debit card and deposit the money later but no debit cards. Then i said fine ill call customer service to unsuspend my XXXX or external transfers BUT THEY CANT DO IT. THEY WANT TO KEEP MY MONEY HOSTAGE BY NOT GIVING ME AN OPTION TO USE MY MONEY The customer represeentative that i spoke to tonight told me sir your service has been suspended since XX/XX/XXXX, so its not 4 months. Does that sound reasonable? Having my own checking accounts suspended for 3 months due to transfering money toMYSELF
|
| 10/09/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Older American, Servicemember |
|
BMO Harris Bank was opening internet accounts in California. I signed up for their Platinum Money Market account and made a {$25000.00} deposit via external transfer. I subsequently made several more external transfer deposits of {$5000.00} each and recently another external transfer deposit of {$15000.00} and never had a problem with deposit transfers.
Recently I wanted to get {$50000.00} of my money out to make a down payment on a house, and the online site would only allow me to make {$5000.00} daily withdrawals. So I set up a string of daily external transfers of {$5000.00} in late XXXX. It stopped me after five transfers and said I had met my monthly limit, so I set up 5 more for this month and the on line system accepted them and then when I went back as the transfers were not coming through, I found that the transfers had been cancelled for some unknown reason.
I called customer service, spoke to 4 different people over the course of 1hr and 40 minutes and never got past a supervisor level person, XXXX. I got a lot of conflicting details, but no resolution. I requested to speak to a bank officer as I believe that BMO Harris is not in compliance with FDIC and FTC rules and was denied the opportunity to speak with anyone above a supervisor.
This BMO Harris Bank needs to be disciplined by the CFPB or FDIC for unfair banking practices.
|
| 03/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
Manual adjustments by your fraud department were done to this account upon my requests at the end of XXXX. This allowed me to make the overpayment because she didnt get her work correct. When I made payment in XX/XX/XXXX for XXXX this amount is not correct and more than what was really owed.
Note I have never made a single purchase on this account!! You stated I purchased over XXXX dollars? What date and place was this at? Please provide me with this document or direct me in the ledger to where this is possible.
Your last correspondence stated credit refund checks ( 2 ) this money was returned to the bank XXXX XXXXYou yourself came to the correct amount ( almost ) actually owed to me. You deemed you dont owe this money to me please explain why?
Rectify your companys error. Fraud mangeXXXX XXXX XX/XX/XXXX admitted he seen this error. My account was never reviewed for correction. You closed the account instead.
The ledger is clear over all months if you cant see this with your intellectual abilities and arithmetic skills alternative means of collection will escalate and proceed. You keep simply blowing me off your behavior is as experienced with Bmo unethical and abusive.
XXXX break it down XXXX I owed the bank for XXXX. I payed XXXX. I retrieved XXXX on my own from improper interest charges. Leaving XXXX owed to me. Clear simple math.
|
| 05/05/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
Hello, I am writing in regard to {$8000.00} which is currently missing from my bank account. I will try my best to provide a timeline as followed : XX/XX/XXXX I sent {$8000.00} to BMO Harris from XXXX XXXX. The money was not immediately received and so I had to open a claim with XXXX. They provided me with a temporary credit. Afterwards, the credit was reversed. On XX/XX/XXXX, {$8000.00} was deposited into my BMO Harris account. On XX/XX/XXXX, the {$8000.00} was reversed back to XXXX. This is all the information that I have access to according to my bank statements.
I am beyond upset at the lack of help and understanding that I have gotten from both XXXX and BMO Harris. Every time I have called, both banks tell me that they don't know where my money is and that the other bank most likely has it. Today, XX/XX/2020 I called and spoke with a representative from BMO Harris and he told me he would look into it and give me a call back. I have not received a call and now he is not picking up his phone. I spoke with a representative from XXXX on XX/XX/XXXX, and she told me that their records show that the money was transferred back to BMO Harris and that XXXX no longer has it.
This {$8000.00} is all of my savings up until this point and I can not afford to hire a lawyer to help me. I don't know what to do or what my next step would be.
Thank you
|
| 12/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
My auto/RV loan was recently transferred to BMO. For the past three months BMO has lied and made it very difficult to make an extra principal payment. The XXXX month I called and was told by the call taker that a principal payment could be taken over the phone, which I did. I checked my account a few days later and it was not applied correctly and had to call to have it reversed and applied correctly. The XXXX month I called and was told by the call taker that a principal payment could not be taken over the phone and had to be mailed by check. I did that and specifically made sure it was labeled principal. I checked my account and it was still not applied correctly. I called and had it reversed and fixed. This time I was advised that if I made an " external transfer '' from my bank to the BMO auto loan that anything over what is due will automatically be applied to the principal. I checked my account and imagine my surprise when over 80 % was applied to just interest when I did not owe anything on the account. I called for the XXXX month in a row. This time the person I spoke to told me principal payments were not allowed and I had to pay off the interest. I got very upset and she said she would transfer me to a specialist. She transferred me to main phone tree instead of a specialist. I waited on hold for a 2nd person who was able to fix it.
|
| 12/15/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I tried to open an account with BMO Alto. I entered all of the data they requested, accurately. We never even got to the identity verification questions : once they had my SSN and my address and phone number, they sent me a verification code to my phone number, I entered it, we went on another couple of screens, and then they just told me that they were rejecting me, and that I would get an email with more information.
They did send me an email. It had no more information. Just 'we are rejecting you ', no reason, no more information than that.
I called their customer service line and they were unable to give me any more information, nor were they able to send me to a reconsideration line nor tell me any way in which I could find out what their reason was for rejecting me. I simply have been turned down for an account for an undisclosed reason. It could be because of some information they have about me which is incorrect, or because they don't like my name, or whatever. All I know is that they are denying me access to their product for an undisclosed reason which may or may not be illegally discriminatory or entirely incorrect. ( Since my credit score is generally between XXXX and XXXX, I always pay my bills on time, and I make well into the top 10 % of income in the US, I can't imagine that they have any GOOD reason for rejecting me. )
|
| 12/20/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
Older American |
|
I would like my money returned because I was scammed. BMO bank employee XXXX XXXX did not make a check security check. If the beneficiary 's bank account number was legit or not. The recipient 's turned out to be a SCAMMER. I believe that BMO was sloppy.
I was born in XXXX XXXX. All my life! I live and work in the XXXX. XXXX XXXX XXXX I have been a banking customer at BMO Harris Bank since 1990. I stand out because I am XXXX Heavy XXXX accent plus Due to a XXXX I have a XXXX XXXX I know everything. I travel internationally. Verbal communication at times challenging. With this obvious but minor XXXX a bank employee should take an even more caution. More attention to the money transfer info.
Scammers recipients as shown on the XXXX XXXX wire transfer information XXXX XXXX {$18000.00}, - Beneficiary information Bank identifier XXXX XXXX/routing number ) XXXX Bank City/state XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX Beneficiary 's address/city/state/zip/country XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX UNITED STATES and XXXX XXXX XXXX {$12000.00}, - Beneficiary information Bank XXXX XXXX XXXX/routing number ) XXXX Bank city/state XXXX XXXX, NY Beneficiary 's name ( Name on account ) XXXX XXXX XXXX XXXX XXXX Beneficiary 's address/city/state/zip/country XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX UNITED STATES Wire transfers
|
| 01/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Loan agreement signed XX/XX/XXXX with BMO Harris. Loan details in 'transfer of rights in property ' references two tax IDs included in the sale.
BMO Harris paid 1st installment on XX/XX/XXXX for one property tax ID, amount {$890.00} BMO HAS NOT PAID 1ST INSTALLMENT FOR THE OTHER TAX ID LISTED IN SALE, due on XX/XX/XXXX.
I have emailed BMO copies of both property tax bills : emailed copies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
I have called BMO on the following dates, each time detailing that I have two property tax IDs listed in my loan agreement and they have only paid for the 1st installment for one of these and the other one is due XX/XX/XXXX.
XX/XX/XXXX : work order was put in and expedited.
XX/XX/XXXX : person I spoke to didnt see any work order listed on my account XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX : called 4 times. Was told that this would he resolved by the due date of XX/XX/XXXX XX/XX/XXXX : called 5 times. Was told this would be resolved by the XX/XX/XXXX.
XX/XX/XXXX : was told that issue was not resolved, call by the end of the week.
XX/XX/XXXX : told that issue is not resolved. Transferred to supervisor. Was told that someone would call me within two business days. Was told that if there are late fees, they would pay them. It would not count as anything negative towards me. Still no answer about my account
|
| 10/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
We have a loan for a boat with BMO. Our loan was originally with Bank of the West, but it was moved due to a merge. We set up automatic payments through the BMO app and BMO pulled out two payments during the month of XXXX ( payments were pulled on XX/XX/XXXX and XX/XX/XXXX ). We called to notify them of the mistake and they claimed they were not able to fix the issue. They instructed us to call our bank. We did this and our bank stated since we set up automatic payments through their website they would be the ones to fix it. We canceled future payments and instead set up billing through our own bank. We asked for a refund for the overpayment and were told they would mail a check. They stated they could not do direct deposit despite having our account information. We were told the check would arrive within 12 days ( a week for processing and 5 additional days for mailing ). We spoke to them on XX/XX/XXXX. As of today XX/XX/XXXX we have yet to receive a check. We called them to inform them and they state we have to wait an additional 30 days for the check. It feels as though we are being punished for a mistake made by them. The amount of payment was XXXX, which isn't a huge amount, but they are also extremely rude each time we call. When we ask to speak to a manager or supervisor they place us on hold for no less than 30 minutes each time.
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| 08/19/2023 |
Yes |
- Checking or savings account
- Savings account
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- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
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Web |
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My XXXX year-old mother passed away last year and had a fiduciary/insurance agent supposedly taking care of her finances. As it turns out, he stole over {$750000.00} by using her bank accounts to pay off his own loans, debts, mortgage, car payments, utility bills, family trips, eating out, and just about everything that he could. He was making transfers into other accounts that were over {$10000.00}. He charged just under {$50000.00} through XXXX ( which my mom didn't even know was a company ). He brought his house out of foreclosure and sold it less than two weeks after she died. He then moved out of state ( without telling anyone ) to XXXX, TN.
The banking records were received under subpoena as the man, XXXX XXXX ( DOB : XX/XX/83 ), who was also appointed as the executor to her will, stopped responding to requests made by the beneficiaries as well as the attorney that he hired from the law firm that wrote my mother 's will. She had accounts at : XXXX XXXX and BMO/Harris. He also " sold '' her an annuity ( that cost {$250000.00} ) through XXXX XXXX. The annuity did not list a death benefit ( although it was specified in her will ).
The banks appeared to have done NOTHING to protect my mother who was a vulnerable adult from the financial exploitation ( along with countless crimes- state and federal ) that XXXX XXXX perpetrated on her.
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| 02/04/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
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I have owned a rental property in XXXX, WI ( XXXX XXXX XXXX ) for about 20 years. My XXXX mortgage holder is XXXX XXXX. I have a XXXX mortgage currently held by BMO Harris. This XXXX mortgage used to be owned by M & I Bank, until about 4 years ago. I have a {$40000.00} line of credit on this XXXX mortgage, and I have never missed a payment in all the years of that I have used this line of credit. For many years the balance was XXXX to XXXX. Last year, I badly needed a new roof on the property ( XXXX XXXX XXXX ) and I used the remaining XXXX for the roof. Soon after using the remaining credit, I tried to make a payment online, and the site would not allow it. I called customer service at BMO and they informed me that the entire balance ( XXXX ) was due at that time. From this point, BMO treated my case like a loan modification and assigned XXXX XXXX XXXX, Senior Real Estate Underwriter. After making many requests to keep my current line of credit and make payments like I have been, XXXX XXXX XXXX asked me to find a loan guarantor, in order to " re-do '' the loan. This is not an option for me, and I conveyed this to XXXX XXXX. She then suggested that I think about selling the property. This is also an option that is not realistic at the current time, considering the numbers. I am also worried about my credit score being affected adversely.
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| 02/14/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Banking errors
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Web |
Servicemember |
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BMO Harris Bank opened an account in my name without my permission. I called them and they told me that account has had some activity. I asked them what it was in case the account was opened by one of my lenders and I just did not realize it. ( my auto loan did that ) and they would not give me any information about the account. Operating in the blind I was forced to talk to the fraud department to TRY to get this cleared up. They are asking me if this is really fraud, how can I know without knowing the activity? They refused to share any information about an account that was ( in their eyes ) MINE but want to me make important decisions blindly.
now I wonder if this account was used for money laundering under MY name and still can't get any answers from them. They hung up on me saying I was getting argumentive. ( It seems like they were just saying that to give themselves cover to justify hanging up on me. ) How can they open an account in my name without my permission? how can they refuse to share information? Maybe THEY are part of the fraud like XXXX XXXX XXXX XXXX?
This is fraud, it was done by them as far as I am concerned. All attempts to get information was blocked by them.
My problem is still unresolved. BMO Harris Bank hung up on me before resolving this problem making sure that this fraud will continue to their benefit.
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| 05/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I am filing this complain against BMO Harris Bank. I had a home mortgage with BMO Harris Bank that was paid off and closed in XXXX XXXX. I had a left over escrow money for about {$900.00} XXXX a little over {$900.00} ) after the payoff that was supposed to be refunded to me. They initially sent a check to a wrong address and the check was returned back to them. Since then I am unable to get my money from them. I have made neumorus phone calls to the back asking for money since XX/XX/2018 and still did not get it. Every time I called, I was told that they will mail me a form that needs to be notorized and sent back to them so that they can re-issue the check, but they never send the form. I have called them repeatedly in the last 2.5 years trying to get my money and they would not give it to me. So now I am filing this complaint against the bank so that I can get my money back.
It has been two and a half years of repeatedly calling the bank and requesting my money, but they would not give it me.
This bank has a very poor customer service. Rude and helpless representatives. Very long call wait time ( more than 30 minutes ) with no option for recieving a call back. Their mobile app doesn't work properly and most of it's functions do not function.
It has been a long 2.5 years with them trying to get a hold of my money and still unable to
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| 08/19/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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Multiple times I 've had my own identity stolen by my own sister and it 's easy for her to do bc she looks similar to me, she 's 5 years older, she lives close, knows everything about me, she went to school for an account, knew in her earlier high school years how to get illegal ssi numbers. Do n't know what she would want with that. So she 's opened credit cards with my social, drained empty multiple bank and checking accounts from 3 different branches, stole my inheritance from both my XXXX parents and signed the checks, claimed me as her adult adopted XXXX child on her taxes, I have to go to court in to weeks for a credit card she opened under my name, she does my taxes every year so I have to sit at the IRS, she 's stolen around 300 grand just from bank accounts alone. I 'm sick of this. She stole my moms XXXX XXXX XXXX, my XXXX XXXX with XXXX, tried to get me to buy her XXXXXXXX XXXX. She tells me how to make XXXX. Called me one day telling me there r bugs crawling down her walls and her body. She 's the governments biggest issue, I 've complained so many times but no one seems to care. It seems like they would rather be out doing stops for XXXX and speeding 5 miles over the speed limit than the serious issues we have to address. This has been going on big time since XX/XX/XXXX, the looking up socials was I believe XX/XX/XXXX.
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| 11/15/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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I opened a BMO Harris Smart Advantage Checking account on XX/XX/19 with a {$300.00} bonus for meeting certain requirements. I met all of the requirements, including currently living in Missouri. I previously had an old BMO Harris checking account while in Oregon that I had closed. When I signed up for this most recent Smart Advantage Checking account I was required to use my old login information instead of allowing me to create a new login. The old login used my old Oregon address and it didn't give me the option to update my address to my current Missouri address during the application. As soon as I realized that it was using my old address instead of my current Missouri address I asked them to update my address. BMO Harris is denying me the bank bonus because they are stating that my first bank statement has my Oregon address which is not a qualifying state. BMO Harris cut my first statement six days ( on XX/XX/19 ) after opening my account before the address could be changed/updated. The second statement shows my correct address in Missouri. It is not right that an old address was used for a current application and I am being denied a bank bonus although I updated it as soon as possible. If a statement had been cut 30/31 days after I had opened the account instead of 6 days later, my information/address would have been correct.
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| 12/22/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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My bank account with BMO was falsely closed and didnt provide reasoning as to why my account was closed. Instead of issuing me a check for the remainder balance in my account BMO sent my funds to unclaimed property without reasoning or asking me to provide documentation for my balance. I received a IRS business tax return which was deposited to my last bank which was XXXX XXXX and I decided to end my banking relationship with them and come to BMO. By doing so I cashed my check from XXXX with BMO and BMO randomly closed my account after verifying the check and letting the funds clear. After falsely closing my account and sending my funds to unclaimed property without asking for proof of documentation. This has to be illegal, I spoke to XXXX different BMO executive agents each all told me different things without explaining why my money was being sent to unclaimed property. The first executive agent told me my account was closed and a check was being mailed, the second agent rudely told me there is nothing he can do and my money is just gone, and the third agent stated I need a hold harmless letter/claim from XXXX XXXX so that can BMO can release my funds back to XXXX XXXX XXXX XXXX XXXX doesnt even know what a hold harmless letter is, BMO didnt even ask for additional documentation before sending my funds to unclaimed property.
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| 05/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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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.
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| 01/31/2024 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Bounced checks or returned payments
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Web |
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XX/XX/XXXX, XXXX Made the check amount for my rent {$880.00} XXXX XXXX says the check was deposited into my landlords account, no one has the time that she deposited it. I had {$650.00} in the account.
XXXX XXXX XXXX-overdraft {$220.00}, XXXX {$1000.00} deposited from my direct deposit, the remaining amount is {$770.00}. Everything appeared fine.
XX/XX/XXXX. received an email saying I had insufficient funds at XXXX, when I awoke my account had {$1600.00}.
I called and asked them why they returned the check they said i didn't have enough money when she deposited the check, then they said a check takes XXXX days to process, so if it takes XXXX days and within hours I had the funds in the account, why was the check returned? The answer was I had insufficient funds. I asked again, if it takes XXXX days, and she deposited the check on the XXXX, and I had the funds to cover my insufficient funds within hours, why was the check returned? No one could give a straight answer, when they did answer. I called the bank 6 times, I got someone who couldn't tell me anything, I got someone who hung up on me, I got the buy signal and hung up on, I got someone who " tried '' then she transferred me to someone who couldn't answer anything I asked him, then said we will file a complaint for you, I asked how, he said with us BMO. Then hung up.
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| 05/17/2021 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Closing an account
- Funds not received from closed account
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Web |
Older American |
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This complaint is against BMO Harris Bank.
I had opened online one year CD with BMO Harris Bank.
It matured on XX/XX/2021. I called to redeem the CD on maturity, The bank told me that they will send the balance, a little over {$38000.00}, by check and that I should receive the check in 7 to 10 business days. When I did not receive the check after 10 days I called the bank and they told me to wait for another 2 days. When the check did not arrive after 15 days I called the bank again. This time they told me that the check was actually mailed on XX/XX/2021 and perhaps wait for it a little longer. If I did not receive the check after that I would have to sign and Indemnity form and wait for 90 days to get the check re-issued. I asked for tracking number from the carrier so I could find out from the carrier why it was not delivered. It turned out that check was sent by ordinary mail with no ability to track the delivery. The bank would not pay any interest for the 90 days delay. Alternatively I would have to purchase, at my expense a surety bond to receive the payment earlier. Either way the bank is penalizing me even though the bank itself acted irresponsibly in sending the check in an insecure manner without any guarantee of delivery. If the bank is going to delay the payment by 90 days I should at least get interest on it
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| 12/31/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
Older American |
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On XX/XX/XXXX I tried to access my BMO Harris account online. I logged on to my account using my user name and password. There was a message that I must agree with BMO Harris Bank Digital Agreement before I could access my account information. I read the BMO Harris Bank Agreement but I did not agree with everything in the agreement. I did not have the option to disagree with any parts of this agreement. They did not provide the information regarding Illinois and Federal Law/Regulations that makes this banking agreement legal. I went into the local BMO Harris Bank branch in XXXX IL the same day and was told by the branch manager XXXX XXXX that unless I agree with the BMO Harris Bank Digital Agreement I will not be able to access my account online. I have been doing online banking with Harris Bank and later BMO Harris Bank since XXXX and I have never had a problem accessing my online account information. I have a problem with the " You must agree to the terms outlined in the Digital Banking eSign Consent and Disclosure in order to proceed ''. I understand that if I don't agree with BMO Harris Bank policies that I can take my money out of the bank. I just want to know that banks like BMO Harris Bank can option out of any liabilities by having their customers waive away their rights by agreeing to these types of agreements.
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| 02/10/2017 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I opened checking account and BMO Harris bank on XXXX/XXXX/2017 with deposit {$100.00} and on this day I tried to make online bill to XXXX credit card for the ammount of {$95.00}. Their website show me a message /in red/ that I can not make online bill payment now and I gave up from the idea to use that service. Suddenly and without my permission BMO Harris make a payment on XXXX/XXXX/2017 and on this day I did not have the money, I was charged NSF {$35.00}, I called to their customer service and the money were refunded. I was totaly surprised when I saw today that my account is negative, becasue BMO tried to pay again without my permission {$95.00} to the same XXXX credit card. I went to BMO Harris, XXXX on XXXX/XXXX/17, spoke with the banker - XXXX, spoke with the Branch Manager and Customer service and I was told that I ow {$91.00} to the bank because they paid to XXXX {$95.00} /I had {$3.00} in the account/. I paid the {$91.00} to the bank, but later during the day XXXX2017/ I got e-mail from BMO Harris Bank that they did not pay the {$95.00} to XXXX and I will be charged NSF {$35.00}.
I would like to share that when I opened the account on XXXX/XXXX/2017 the banker never discussed with me how the online bill pay works and debit coverage as well! Now I know, but base on the worst banking experience ever in my life!
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| 01/25/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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Hello, I previously had a credit card account with XXXX XXXX XXXXXXXX. XXXX XXXX closed my account, without providing a reason, about 2 years ago. I had paid the credit balance in full each month. According to my last statement, I had XXXX reward points in my account. XXXX XXXX advertises to this day that your points do not expire. However, when I recently tried to redeem those points, I was told that I only had 60 days from the date that they closed my account to transfer those points. No one from XXXX XXXX informed me of this when they closed my card. In fact, XXXX XXXX did not so much as call me to notify me that the card would be closed and what my options would be. As I understand it, they closed a lot of their U.S.-based cards at the same time, again without notice.
The XXXX points is worth more than {$1000.00} when transferred to XXXX XXXX. It is grossly unfair, and I believe illegal, for XXXX XXXX to make a profit from the transactions on my account, provide reward points in exchange, and when the point total becomes too large, cancel my card and recoup the unused points. All without any notice to me. I have contacted XXXX XXXX and spoken with both the rewards department as well as the customer service department, and they refuse to adjust my reward point balance. Please help in any way you can.
Thank you.
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| 05/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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On XX/XX/2023, I filled out an online application with Bank of the West, Essex Credit ( XXXX XXXX XXXX ) for a boat loan. There was no disclosure in the application that a hard credit inquiry would be conducted.
I did not authorize a hard credit inquiry against my credit report.
The loan request was summarily denied, so I attempted to reapply the following day, XX/XX/2023 with more money down. This time the loan was forwarded to a XXXX XXXX ( XXXX ) who said the bank needed additional financial records to proceed. Again, during this second loan application, I did not authorize a hard credit inquiry against my credit report. The loan rate quoted me was 10.44 % and I withdrew my request and decided not to receive a loan from this bank.
Less than a week later, I receive two letters indicating hard credit inquiries from Bank of the West on my credit report. I contacted Bank of the West and XXXX XXXX XXXX, and she said she would speak with her manager, who later said they could do nothing to remove either inquiry.
I believe Bank of the West misrepresented they business as demonstrated my numerous complaints to the XXXX ( XXXX XXXX XXXXXXXX ) and fraudulently collected financial information without my consent.
I would like Bank of the West to contact XXXX and have BOTH hard inquiries removed from my credit report.
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| 02/19/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
Older American, Servicemember |
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On XX/XX/ I Deposited a check to my bank ( BMO ) in the amount of {$2000.00} from my 401k savings from my job. The next day XXXX my way to the bank I received a call from BMO asking questions about my identity, I gave her all of the information that she asked, & told her I was on the way to the bank to get a money order to pay my rent. She told me that my account was locked to verify the check that I deposited from XXXX XXXX for my 401K account I asked why would you lock my account to verify a check, and that I have {$1500.00} in the account that has nothing to do with BMO verifying a check. I also stated that I have direct deposit from my XXXX XXXX sent to my account. On XXXX they allowed me to get a money order for the amount of {$730.00}, & gave me {$700.00} out of my account. I have been calling them about my money since then. I have been hung up on, not to mention that I have not been receiving any updates on the status on my account. They refuse to give me access to my banking app. I have been to the banks branch & was told that she could not give me any information on my account ( balance updates etc ) because my account was locked. Now I am receiving emails & phone calls on payment that I already made on XXXX to my auto finance company & my credit card company that the payment was returned for along that
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| 04/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
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Found the vehicle that I wanted at XXXX XXXX via XXXX XXXX Called to confirm availability XXXX XX/XX/2021 XXXX. Once it was confirmed available, I did a pre approval through XXXX XXXX. I contacted the dealership shortly after they opened ( XX/XX/2021 ) and was put in touch with a dealer by the name of XXXX. I gave him my pre approval number and I was told that the ball was rolling on the purchase. Even got a call from the finance department telling me to come pick up the vehicle. 15 minutes later, I got a call from XXXX saying it was already sold.
After that, I got a notification from XXXX XXXX that I had a new credit inquiry from the XXXX XXXX. I found out that they ran my credit even though I was already pre approved through XXXX XXXX. Over the next 2 days, I had 2 more inquiries added to my credit report. Now XXXX wont reply to my text or answer my calls and finance department wouldnt pick up until I called from a different number. When I talked to the finance manager, I asked why my credit was ran after I already had a pre approval and he said that the interest rate that I was given wasnt good for me and that he didnt know anything about me and claimed that XXXX XXXX didnt send any of my info over so they had to run it again.
The car is still available on XXXX XXXX and their website as of XXXX XX/XX/2021
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| 11/30/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
|
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Web |
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My account was closed randomly and without warning.
I contacted the Risk Department ( XXXX ) and spoke to XXXX XXXX, who apparently was having a bad day.
Upon speaking to XXXX XXXX, I was told that a check was mailed out with the remaining balance in my account. I ask XXXX XXXX if she could place a stop payment on the check, reissue the check and have it mailed to an alternate address. XXXX XXXX angrily replied, " we don't do that unless your check was lost and it won't be considered lost until at least 30 days ''.
I asked " well do I need to get an attorney involved? '' XXXX XXXX responded " when you sign the disclosures with the bank you agree we can close your account any time for any reason and youre mentioning an attorney - good XXXX luck '' and she instantly hung the phone up in my face.
Stunned, I proceeded to call back. XXXX XXXX answered the phone again and said " XXXX XXXX XXXX '' before hanging up the phone again.
I called back yet again and was greeted with " Stop XXXX calling this phone! '' Before being hung up on yet again.
In a final attempt I called back and was greeted yet again with " XXXX XXXX, XXXX XXXX XXXX '' before XXXX XXXX hung up the phone again.
Im not sure why XXXX XXXX was so upset but I'm flabbergasted at the way she spoke to me and I will be pursuing legal action.
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| 01/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
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Web |
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My XXXX year old father banks with BMO Harris. I recently became the activated power of attorney for his finances. I need to manage his accounts in order to pay bills related to his home while he is in a XXXX XXXX XXXX I live XXXX miles away from his local bank branch.
His personal branch banker was very helpful in getting me added to his accounts as a signer and POA. She was responsive, friendly, and set me up with an online banking profile to manage his affairs.
Since then, BMO 's online banking team has made it impossible to manage his affairs. First, his accounts were not added to his profile. Then, the platform would not permit multi-factor authentication even though my correct contact information was on file. Then, the platform removed my telephone number from the profile without my consent and locked me from the account. THEN, I spent hours over the course of an entire week unable to contact a customer service representative to unlock the account. The " contact us '' options on the BMO website all route to the telephone number that has gone unanswered.
I am prepared to move all his assets away from BMO Harris after this experience, because I do not trust their ability to let me manage it- but because I can't get in or reach a representative, it feels like the bank is holding his assets hostage.
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| 05/15/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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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.
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| 01/22/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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Between XX/XX/XXXX and XX/XX/XXXXXXXX a check was stolen from my checkbook without my knowledge. On XX/XX/XXXX, I was attempting to make a small purchase at a grocery store, when my card was declined. I went straight to my bank, at the time they were called, Bank of the West. There I was told that I was in the negative over {$800.00} due to a check being cashed in the amount of {$1000.00}. We verified that the check was not something I had written as I did not know the person the check was written to, the signature and handwriting did not match any of my prior checks, check was out of sequence, and I do not pay for tuition for anyone. The bank placed a flag on the account and I was told that they would file a police report. On Monday, the bank manager contacted me and told me I was the once that had to file a report, I immediately filed the report to the XXXX XXXX Police Department : XXXX XXXX. BMO closed my account and would not allow me to open another with them. I had to take my business to another local bank. On XX/XX/XXXX, I received a letter by mail stating that the overdraft had been sent to collections to XXXX XXXX XXXX XXXX XXXX XXXX. I do not owe the bank any money as this was a fraudulent cashed check, in fact, they still owe ME the balance I had on my account prior to them cashing this check.
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| 07/03/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Older American |
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Subject : Reopening the case # XXXX Bank of the West/ BMO converting my ROTH IRA to Traditional IRA and not taking responsibility or offering a remedy.
The Bank of Wests reason for not offering a remedy to their mistake was I should notice their mistake within 60 days and ask for correction.
This was not applicable to my account due to Bank mailing statement once a year. By the time they mailed to me my first statement, it was 12 months later.
Every Statement they sent shows after my name BANK OF THE WEST AS CUSTODIAN, and I paid a monthly fee for each IRA account.
They were the custodian, they are responsible for their mistake.
The Bank of the West has very sloppy works need to be investigated.
I have found 4 IRA investment forms provided by Bank of the West all of them have an error : these are re-investing forms belong to 4 different accounts but somehow they all show same account number. It looks like I reinvested same account 4 times, with 4 different terms, 4 different interest rates within 1 month.
The Bank of the West need to be investigated for their incompetency to find out how many senior citizens were not able follow up on their investment or trusted to Bank of The West were harmed.
Their incompetence is not limited to my 2 findings, I am pretty sure there are many more. XXXX XXXX XXXX
|
| 10/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
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In early XXXX ofXX/XX/XXXX, I tried to XXXX some money to a friend from my personal BMO Harris checking account and got the following error message : " For security reasons, we've restricted your access to this service. Call ( XXXX ) XXXX to resolve the issue. '' I called that number and the bank 's main Customer Service number and spoke to five different people over the course of the past three weeks. One of the first reps I spoke to told me that my XXXX account had been frozen but couldn't tell me why. I elevated the situation and eventually talked to someone who said that there is a pending fraud charge against my XXXX account related to a XXXX transfer from XXXX XXXX XXXX in the amount of {$100.00}. XXXX XXXX was a prospective tenant who was applying for a vacancy in one of my rental units and sent the {$100.00} to pay for the application fees for her and her roommate. She did not get the apartment and she probably filed a fraud charge against me to get her money back. I have never gotten a phone call or email from anyone at BMO Harris Bank about why my account was frozen, is still frozen, who's working on a resolution, what the status of that resolution is. Every time I call, someone puts more " notes in the system '' and tells me I should be hearing something soon. I need your help to resolve this.
|
| 07/06/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
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|
Web |
|
|
I received my direct deposit to my bmo account and could never log into my bmo account. I called the branch and they told me my account was under investigation. I asked for dates to check back and was told no timeframe. I reached out to the bank again a week lsyer abd still received no answers and I was transferred to a line that hung up on me. After numerous tries of reaching out for communication Ive finally given up. I havent been contacted by this agency and they still are holding my funds from my unemployment. Ive been told I was gon na receive help. I was told I would be able to go to a branch to get my funds out. I was given the direct number to the security and fraud deidrtment to speak with a XXXX. But Ive called and left numerous voicemail fir consecutive days ( 2 ) and its XXXX I still cant receive my unemployment funds as this has been a tough time already. Im asking this bank be prosecuted to the fullest extent because this isnt the first time their keeping my funds from me and I would like all the intrest that theyve gained from holding my money illegally and to have them sanctioned and all consequences imposed directly to their organizations as a whole. And I would like to b compensated for my emotional stress, my incinviences, and for my overall unsatisfactions with this company. Please.
|
| 11/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I entered into a consumer credit transaction with BMO Harris Bank on XX/XX/18. I issued BMO Harris Bank my social security card, which is a credit card pursuant to 15 USC 1602l, and it is also an open-end credit plan pursuant to 18 USC 8 . When I issued BMO Harris Bank my open-end credit plan it paid the finance charge in full. Pursuant to 15 USC 1605 the Finance charge is the sum of all charges and can not be paid with comparable cash. BMO Harris Bank had me remitting payments to them even though the alleged debt was already paid for in full and this is in violation of 15 USC 1605. They also didn't disclose to me my right to a recession within the auto contract, which is another violation of the XXXX and XXXX XXXX. They are liable both Criminally and civilly pursuant to 15 USC 1611 and 15 USC 1640. They also harmed my reputation by putting this on my credit report and are in violation of 15 USC 1692d ( 1 ). They are in violation of 15 USC 1692e ( 10 ) by trying to collect on this false and misleading account knowing that the alleged debt has been paid in full already. Then they violated 15 USC 1692 f ( 8 ) by having their logo on an envelope they sent me, which is an unfair practice. They violated 15 USC 1692j by furnishing these false and deceptive forms making me believe that I owed thisallegeddebt.
|
| 06/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I have an auto loan through BMO Harris Bank. I moved out of state and to register my car permanently in the state I need a copy of the title sent from the bank to the DMV. I have now called BMO more then 7 times and made 5 trips to the DMV. I was given misleading and factually incorrect information by BMO Harris such as the following : XXXX ) I do not need a title to register my car XXXX ) I can take a PDF of the title in and get my registration XXXX ) That the title was sent when it was not XXXX ) I was given the incorrect fax number to send the request form XXXX ) I was told that BMO does not have a fax line XXXX ) That BMO could not provide a copy of the title until the loan is paid off.
After roughly a month of back and forth BMO is now confirming that my most recent request from XX/XX/XXXX has been received, but as of today, 8 business days later, no progress has been made on sending it. BMO also has no record of other requests from XX/XX/XXXX or XX/XX/XXXX. The DMV made it clear that all requests should be processed in 5 business days. The DMV told me at this point I should consider contacting my lawyer about this issue.
Due to these numerous delays and incorrect information my registration has expired and I had to rent a {$610.00} rental car to make a personal trip at the end of this month.
|
| 08/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have a simple interest loan through Bank of the West, a BMO Company. The financier at the RV dealership said it was simple interest loan. I confirmed with Bank of the West that it is a simple interest loan, but every time I pay extra on the payment, the interest increases somehow ( even though it should decrease because I have paid down the principal ). I call them twice because I couldn't understand why if I paid more on the account, they raise the amount of interest. This sounds like precomputed interest, not simple. I have called twice to try and understand this and was instructed to send in any principal payments by mail, via check to their principal only desk and mark them principal only. This seems to work, however, when I do this and make the regular payment via my bank online, they apply everything I pay to interest and none to principal. It almost seems like I am being punished for trying to pay the loan off. At this point, I don't know what to do. I am looking to get a loan or refinance through another, reputable company, but I am afraid if I send Bank of the West a large amount of money with intention to pay off, they will apply it to some future precomputed interest. Please help. I can provide statements to reflect what I am experiencing. What is happening seems to be illegal/unethical.
|
| 10/02/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/2022, a BMO Harris Bank representative ordered a replacement debit card for my checking account due to attempted fraudulent transactions. An improper fee related to that order was the subject of a different, resolved CFPB complaint. Several days later, the new debit card arrived in the mail. As expected, it had a new card number, CVV, and expiration date several years in the future. I successfully activated and began using the card.
On XX/XX/2022, another replacement debit card unexpectedly arrived via mail. However, this card has the same card number as the original compromised card. I believe this is an automated replacement order for the original card because it was due to expire in XX/XX/2022. Despite this, BMO should not have sent this card for two reasons. First, the card was just replaced two weeks prior, and a new card with an extended expiration was already issued. Second, BMO knows the card number is compromised. I believe BMO failed to address the pending automated replacement when dealing with the fraud issue, resulting in duplicate cards. At best, they could have canceled the duplicate order. At the least, I would have expected BMO to see the duplicate orders and instruct me on how to proceed.
I have not yet attempted to activate this card because I do not know how to proceed.
|
| 12/19/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I took my car to the shop and found that there are some maintenance issues that need to be fixed. Due to a financial hardship I requested that BMO Harris Auto defer a payment so that I could pay for my auto repairs and they said they had to look at my credit and qualify me for the program. All I was requesting is a one time payment deferment. They came back many days later telling me I didnt qualify because my credit report was showing a financial hardship. Well of course it is thats why I called for the deferment in the first place. They said qualifying for the program was the same as qualifying for a new loan. Which makes absolutely no sense. Im already extremely underwater on the loan because apparently the loan was approved for well over what the car was worth by whatever deal the car dealership made with BMO Harris for the loan. My car isnt worth half of what is still owed on the loan. I have deferred payment in the past with other companies and never need to qualify for a program. This is unfair. I have never missed a payment or been reported late. Really I would love to trade the car in but I cant because the value depreciated to a point that I will never be able to get out of the loan. If I cant fix my car and I cant trade it in then how am I supposed to proceed? Their practices are unfair.
|
| 10/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XX/XX/2023 I received a wire transfer from XXXX XXXX XXXX XXXX later my account had a fraud hold. so I went in the bank with the person who sent the money to my account. They endorse the money to me inside XXXX XXXX XXXX branch with the vice president, XXXX. XXXX I provided documents for the business to show. It was a real business along with my identification. The fraud department still put a 14 day hold on the account the investigation went over the promised 14 day period. XX/XX/2023 I received a letter saying my account would be closed and I would be mailed a check with the remaining balance. now, XX/XX/2023 I went into the branch because I didnt receive a check in the mail in the fraud department told the banker that I had to send a document to XXXX XXXX in order to get my funds released from unclaimed property. They would let me claim the money that was in my account and they wouldnt send the money back to XXXX XXXX as requested. they told me after my account was closed that I had to send over documents, which didnt make any sense because when I research the information, none of what they said was true. I requested a fraud team manager over and over again they would not give me one. The guy XXXX that was working. My case was very rude and not helpful. Ive been treated like a criminal.
|
| 10/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
XXXX XXXX is reporting fraudulent accounts that are not mine on my report. I filed a dispute in XXXX to all 3 credit Bureaus and everyone of the bureaus removed the 2 XXXX XXXX accounts from my report. It was off my report for 5 months from XX/XX/2019- XX/XX/2019 and in XX/XX/2019 XXXX put the both the XXXX XXXX accounts back on my credit report. I have tried to dispute this these accounts on my report for the pass 2 years and XXXX will not removed the accounts saying that the creditor verified the debit, they can not verify the debit 5 months later. It is against the law for XXXX XXXX to not respond within 30 days and then 5 months later after the accounts were removed to put the accounts back on my report. I have provided documentation that this was a fraudulent accounts because I was a victim of fraud and had to close my bank account because of it. Please have XXXX remove XXXX XXXX accounts from my credit report.
Also there is a collection that XXXX XXXX has reporting XXXX that needs to be removed from my account because I have settled all debts with them.
Also BMO is reporting to all 3 credit bureaus that I was late on my credit card payment and my personal loan. I had XXXX and was told that I shouldn't be penalized for having XXXX and BMO will remove these late statues from my report.
|
| 09/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/2020 I discovered the BMO mobile app had an error message that prevented me from using my debit card. I called BMO customer service and met silence. On the following day, XX/XX/2020, I called again and was directed to the fraud department, which I was told to call by number. I called the number given to me and had to leave a message on their voicemail. The next two days, XX/XX/2020 and XX/XX/2020, were weekend days so the department was closed, leaving me no access to use the money in my account. On Monday XX/XX/2020 I went to the nearby branch to discuss this issue in person. The person who had helped me was informed that my account was suddenly considered high risk which left me no ability to use the money in my account. Angered, I called the fraud department ( who I was told was the only person who had the ability to resolve this issue ) multiple times that day only to be met with yet more silence and even more messages to voicemail. I still have not had any luck speaking with a person about this problem and am very displeased by the treatment I have been given. This was the first time I had any problems with BMO Harris however the fact I was unable to speak with the person who was supposed to be helping me left enough mental and emotional damage to warrant this big of a complaint.
|
| 04/02/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
XX/XX/20 called to obtain my payoff balance, so that I can pay off my loan. This is important as we are working a financial plan due to my XXXX diagnosis and treatment, and loss of job. BMO Harris requested information in order to verify me that they never collected at the time of the loan ( cell phone ). I gave the land line we used for our loan application, and while it matched their records, it was not a mobile number, therefore I couldnt be verified. I was left on hold for an hour while security questions were gathered to verify me as the loan owner. I was asked a series of questions about which streets were closer to my lake home than others. I of course have ZERO idea what street names are near us, let alone those in towns over an hour away. I am seriously concerned that this is how verification works? Really? I was told since I couldnt answer those questions, the bank was refusing to provide my loan balance so I can pay it off. I was instructed to go to a local branch, however, I am undergoing XXXX and cant leave the house right now. XXXX told me ( supervisor I was escalated to ) that I would have to visit the branch, pay for a notarized ID before anyone would provide my payoff balance. So ... from what street is closest to your lake home to NOTARIZED IN PERSON? Seriously flawed system.
|
| 05/04/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
BMO Harris Bank in Wisconsin called me today. The collections dept representative claimed that the mortgage was overdue by 3 months. This issues has been previously resolved twice. The account was set on auto payment. It is a variable rate. The payment increased by {$1.00} and the auto payment failed to make the adjusted monthly amount. The system they use then automatically claims the account has not been paid. The technical errors were corrected. Then it happened again, the apparently do a system restore and all the past problems are brought back. I received a call today stating the account was overdue etc. It is not overdue. The account has been paid in full each month. This bank does not pay a living wage and they can not find technology specialists who would work for them. Then bank has widely been reported to have paid XXXX dollars in fines already for criminal behaviors with customer accounts. Outside professional peer review of their failure to perform customer services summarizes this complaint. This mortgage was a predatory lending exploitation and we are considering hiring a major law firm which can run TV ads and invite others who were exploited by predatory loans to come join a class action suit. Fines seem to have no effect on the business practices of this financial institution.
|
| 07/05/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
We opened an educational savings accounts for our children at Bank of the West in XXXX, New Mexico. We receive periodic statements. One my son 's is getting ready to go to college so I was accessing the accounts on line and found that my younger son had an account that was missing. I dug through all the old statements and found a statement that had been sent with all the other statements ( XXXX savings accounts in total ) that looked like every other statement but was titled " abandoned account ''. There is no number or email to contact but in small print it states that " the assets in your account will be turned over to the state of your last known address pursuant to the Abandoned Property Law, if you do not contact us. '' This was sent regular mail and identical to all the other statements. I have left two messages for our investment advisor, have gone to the bank in person, I have called Bank of the West customer service for investments two times and was hung up on both times, I have sent an email to the customer service email and I have sent an email to all the investment people at the Bank of the West in XXXX. I have received no response. I also checked the unclaimed property website in NM and found this account was not there. The money is missing and no one from the bank will respond.
|
| 06/11/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American, Servicemember |
|
I opened a CD with BMO XXXX Bank online. I transferred {$200000.00} into a CD. I wanted to make it a joint account with my wife. The bank told me that they would send my wife an email link to be added as a joint account holder. They sent the email and it said it had to be completed within 10 days. We tried to complete the link at least 12x on different days. It never worked. We called the bank 4x and spoke to customer service. They told us that they could not add my wife to the account but that they would submit a " ticket '' and have someone call us to fix the problem. No one ever called. I then tried to cancel the CD but they would not allow me. During the last call they told me to just add my wife as a beneficiary. I am entitled to have my wife as a joint account holder to avoid estate problems. And was also entitled to cancel my CD when they could not provide the services that they agreed to provide. The bank took my money, refuses to refund it and refuses to add my wife as a joint account holder. Each time that I call back, the new customer service agent does not see any notes from the former customer service agent, meaning that the agents are merely talking to us, hanging up and taking no steps to fix the problem. The bank is engaging in fraudulent soliciting activities to get money.
|
| 01/30/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/XXXX I opened an online account for checking and savings with BMO as it was a holiday weekend I tried to XXXX XXXX a check for XXXX dollars therefore I was told it would have a hold understandable. I returned the following day with a cashiers check for the amount of XXXX from XXXX XXXX for my mothers account as she passed I was named beneficiary of it and went to deposit it and was told that someone already flagged my account as doubt to pay for the prior days deposit so now XXXX told that Friday XXXX dollars would be available and going off what XXXX told I call in and ask if the hold is off my account XXXX told that the fraud team put a hold on.my account because of the check for XXXX dollars was told my account would be closed if the for XXXX came back as a chargeback I said I have proof of funds which I emailed on the XXXX to bmo from XXXX XXXX the lady said when I called in your account will be back to normal tomorrow night being the XXXX so I went in to a branch on the XXXX in pulled out XXXX dollars then I received a call saying my account was back frozen didnt receive a reason why only that I would be contacted this is very in reasonable and Ive went to the branch multiple times because my identity was in doubt clearly are violating bank laws of deposit holds and freezes
|
| 07/31/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
A personal check from my bank BMO was written to XXXX XXXX to pay to balance ( amount written {$130.00} ) was put in a U.S. Mailbox. Later that day the Mail was Stolen from the mailbox. Whoever stole the Mail then took the check to XXXX XXXX, Bleached the check, changed the " Pay to the Order '' portion, Changed the Amount portion to {$4400.00} along with the written amount. The Check was then presented to XXXX XXXX XXXX and Cashed. Obviously, {$4400.00} was deducted from the checking account at BMO bank. I was not alerted to this happening until XXXX XXXX notified me my " Payment '' was over due. I notified BMO bank and they then notified me that, that check in the amount of {$4400.00} was deducted from my checking account.. A stop was put on my checking account and the account was closed. I also filed a Police Report and an " Affidavit of Forged or Altered Check '' was filled out. This took place on XX/XX/2023. All of this was done with XXXX XXXX - Personal Banker CB with BMO Bank branch office XXXX, IL Several office visits have taken place, at least 30 phone calls have been made, most unanswered. The latest information from BMO bank is that the Check was Cashed by XXXX XXXX XXXX and that they have admitted to cashing the check. However NO Funds have been creditted to my account.
|
| 04/29/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I was charged by {$90.00} in Transaction Limit Fees on my account ending in -XXXX. There was {$75.00} charged on XX/XX/XXXX and {$15.00} more charged on XX/XX/2019. BMO Harris Bank claims that these fees were charged as per federal Schedule D regulations, due to making more than 6 transactions in a statement cycle. However, I was under the impression that the account ending in -XXXX is a checking account, and the Schedule D regulation only applies to savings accounts.
The fact that this account is a checking account was confirmed when speaking with a representative when I opened my account, and to this date, the account still shows as a checking account in BMO Harris online banking. The bank 's fee schedule does show this fee for savings accounts, but not for checking accounts.
I reached out to BMO Harris Bank customer service on XX/XX/2019 to discuss the fees and the representatives insisted that they could only offer me a refund for half of the fees but not for all of them. It is completely ridiculous since most of the transfers were less than {$1.00} test transfers and yet I was ultimately charged by {$45.00} in fees.
I would kindly like to request that the remaining fees be reversed since this is a deceitful practice and the fees should not have been charged to begin with.
|
| 04/29/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Beginning in XXXX of 2017 I noticed that my checking account balance was at times, lower than what it should have been. I found that someone had taken my checks and endorsed them in my name, and then cashed them. I reported this to the bank as they were also handling my my investment account. At the time, they told me not to worry about it. They did not offer to investigate it, in fact they brushed it off. At the time, I was starting a " XXXX XXXX '' business and was well over my head and that of course distracted me and I did not pursue the matter further. Of course, I am in need of the funds that were fraudulently taken out of my account. I would like the bank to open up a fraud case and explain to me why they cashed checks that clearly have a signature that is not mine. Also, I would like the bank to explain why they had me fill out a signature card upon opening the checking account, yet never measured the fraudulent checks against the signature card. If they had done so, to the very least, they could have brought this to my attention and right then and there we could have avoided the fraudulent checks from being cashed. I will attach to this complaint, a copy of a spreadsheet that clearly outlines the fraudulent checks, proof of a proper signature and all supporting detail.
|
| 10/15/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
Loan type : XXXX Loan Term : Twenty year Fixed Date started : XX/XX/2006 Original loan amount : $ XXXX Total payment made to date lender including principal and interest $ XXXX.
Original bank ( Bank of the West XXXX XXXXXXXX XXXX ( BMO ) Remaining principal amount $ XXXX.
We received no electronic or physical communication concerning XXXX or amount due. Also received no official communication from either parties or not provided with a point of contact until a presumable attorney from XXXX reached out to me via served with court papers.
Last correspondence with bank attorney after Bank of the West said the loan was still owned by them : The discussion about the $ XXXX was based on the conversation I previously shared with you, which I have on record from your client. This is the first time I'm hearing about $ XXXX. The highest amount I've seen documented was $ XXXX, and when you add the $ XXXX in interest and attorney fees, it does exceed $ XXXX. However, our intent is to have a productive conversation. I propose we set aside the legal fees and interest, bringing the amount to {$82000.00}. At this juncture, I expect the bank to engage in a meaningful negotiation. Please refrain from repeating previously sent details. We're here to negotiate, not to reiterate known figures.
|
| 05/17/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
The issue I have been dealing with involves my escrow account and what I am paying into it. I have been paying into this account since XX/XX/XXXX . When I took on my mortgage I had to file homestead and mortgage exemption ; once property taxes where due in XX/XX/XXXX the amount due was adjusted. XX/XX/XXXX Taxes have been paid and I have well over the amount in my escrow to pay HOI premium and XX/XX/XXXX taxes. My mortgage company will not re-adjust the amount I owe each month to put into my escrow account. Now they plan on taking over {$1300.00} of my money and holding in an account that will not be used for anything. Taking and holding the money until the end of the year, then producing a refund is counter-productive. I totally understand taking out the appropriate amount each month for XX/XX/XXXX taxes and HOI bills, but the amount that is being taken out now is excessive. I feel that my rights and finances are being taken advantage of. I have attached my most recent mortgage statement with the date XX/XX/XXXX Taxes were paid and current escrow balance ( that covers HOI and XX/XX/XXXX tax bill ) , my HOI XX/XX/XXXX page with the amount of my yearly premium, and my State Tax bill that has XX/XX/XXXX ( spring ) and XX/XX/XXXX ( fall ) amounts listed.
|
| 08/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity thief. I have 2 accounts that were open XX/XX/XXXX. I have taken numerous of steps to try to revolve this matter with BMO but I have yet to resolve this issue. I am a victim of my data being breached and the company that let my data be compensated has paid for a restoration service through XXXX. The restoration company representative his name is XXXX XXXX, he and I was been trying for over 3 hours today XX/XX/XXXX to get the process of BMO when there is an Identity thief case. We were on hold for 2 hours, we asked for supervisors and were disconnected numerous of times, we asked to be transferred to the fraud department and was disconnected numerous of times, and even after all of that we still have not received the protocol or the procedure to handle a victim of identity thief case that I am experiencing. There is no reason why this should be the experience of a consumer that is a victim of identity thief. With me being a victim of identity thief I should not have to get the run around to get Information to remove these BMO accounts removed from my report. BMO should not be able to not provide the information needed or should the be able to hang up the phone or not provide a representative or supervisor that can provide the procedure for this issue.
|
| 01/12/2024 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
When BMO bought by bank, Bank of the West, my loan was in default. Because it was in default, the HELOC was never put into my online banking profile ( this was confirmed by HELOC servicing personnel ). I was told that when my loan was current it would display. I confirmed today when I called BMO that my loan is current. However I still do not have access to it in online banking.
While this may seem trivial, it is not. When I call in to get service for my loan, I am bombarded by a litany of questions about my loan. Today, XX/XX/XXXX, I was asked what my current interest rate is. I have my statement dated XX/XX/23 that says it is 10.0000 % but apparently between this statement and my call the rate has changed. I told the representative that I had only received my XXXX statement so she suggested I look up the information online. But obviously I can't do that ( see above ).
Since I could not look up the information online, she could not further help me with the call because I did not pass all of the security questions. This includes not being able to transfer me to a supervisor.
At this point I am unable to manage my loan. I do not have online access and representatives at BMO will refuse to help me.
This is no way to treat a customer who is trying to service their loan.
|
| 09/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
In XXXX, I took out a loan from BMO Harris Bank in the amount of {$19000.00} for an XXXX trailer ( make/model a XXXXXXXX XXXX ).
In XXXX of XXXX, I sold that vehicle to a dealership for {$20000.00} -- approximately {$1300.00} more than the payoff amount.
The dealer confirmed they made a payment to BMO Harris Bank for the full amount of sale ( {$20000.00} ) and that BMO Harris would mail me a check for the balance of {$1300.00}.
I never received the check. At first BMO Harris informed me that the check went to an incorrect address ( XXXX from which I had moved ). This mistake is innocent enough and I thought would be easily resolved.
I have, since XXXX of XXXX, been in contact with BMO Harris Bank every couple of weeks to check on the status of my check and provided them with my new mailing address multiple times. I have received varying responses : they must wait 90 days for the check to void before sending me a new one ; they must send me paperwork to sign to confirm I have moved before sending a new check and voiding the old one ; that a manager has been referred to this case and will be in touch with me, etc.
A manager has never phoned me to resolve this and I have not received via email or postal mail any of the supposed forms they have asked me to fill out.
|
| 11/17/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Confusing or missing disclosures
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Web |
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I called the BMO Harris contact line at XXXX to inquire further about an account I saw advertised on the BMO website at www.bmoharris.com ; their Premier Money Market Account. I did not see a full disclosure of fees for the account. When a representative came on the line, I told her that I was interested in opening a Premier Money Market Account and would like to see the truth-in-savings disclosure to verify fees for such items as minimum balance, number of withdrawals, etc.
The agent put me on hold for approximately 5 - 7 minutes, when she came back she told me to look at the website. I informed her in the time that I was on hold, that I found a disclosure at the following address : XXXX XXXX XXXX but that this disclosure contained information many different accounts, but not for the Premier Money Market Account, and that this was a disclosure was required by law, and I would like to see it before opening this type of account. At this point the representative became very upset and said that I should just " go visit a BMO personal banker. '' I told her that I wanted to either speak to a supervisor, because I understood that a truth-in-savings disclosure must be provided if requested. She stated that all phone calls are recorded, her name was XXXX, and hung up the phone.
|
| 04/17/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
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|
Web |
Servicemember |
|
I have an original copy of a Certificate of Deposit held with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX IN XXXX, for which I discovered they were merged with or acquired by BMO Harris Bank National Association, on XX/XX/XXXX. I contacted BMO bank and spoke with 2 different representatives on XX/XX/XXXX. The first representative had no information regarding these unclaimed funds and suggested I contact State of Indiana. State of Indiana informed me they had no information regarding unclaimed funds, and suggested I find out from BMO Harris more information regarding Report number, Date and name it was filed as, and amount. When I contacted XXXX XXXX on their national toll free line, I was instructed they can not help me. I asked that they route me up the chain to their supervisor or management and agent stated this was not allowed. Agents name was XXXX and his supervisor 's name was XXXX XXXX, though agent would not spell names, nor provide me with and Agent ID number.
I am left without any record or way of tracking down the funds for my Certificate of Deposit, for which I have the original signed CD paperwork, as well as the last notice I received from XXXX XXXX XXXX in XX/XX/XXXXwith the maturity amount. I am happy to forward copies of paperwork. Can you please help me?
|
| 06/02/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
On XX/XX/XXXX while trying to make a small purchase at XXXX, my debit card could not be used,,, i tried to use a second time and same issue. showed denied funds. i just thought it was the new price checkout.. got home after midnight on XX/XX/XXXX and tried to login to online banking at bmo harris, was denied entry many times... was never able to get it.. then a number appeared stating i needed to call, when i called the number, that recorded message said closed and gave hours available ... early the same morning i received a call from a XXXX at XXXX XXXX XXXX XXXX stating she was with fraud division at bmo harris bank , after numerous attempts to contact her and leave voice messages Inever heard from her.. contacted my local branch her in XXXX illinos and they also tried to contact her, they did mention a deposit made around 3 weeks ago for XXXX seemed suspicious and froze my money in both accounts .... the time the money was deposited, the money showed it was on hold and after many days was released to my banking account ... .why are they going after something 3 weeks ago and approved by bmo harris and now messing with me paying my mortgage and all my bills, i need my money as i have direct deposit thru my work there is no reason why I have to live without my funds
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| 12/21/2023 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Funds not received from closed account
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|
Web |
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In XX/XX/2023, I tried to close my bank account with a balance of just over {$10000.00} at BMO Harris Bank. I was informed that a cashier 's check was delivered to my residential address. In early XXXX, I followed up because I never received the check. I was informed to go to a local retailer so that BMO Harris Bank could verify my identity and reissue a check. From XXXX to XXXX, I made 4 trips to the local bank in XXXX XXXX. I signed and notarized consent to reissue the check. I was told that it would take the bank 90 days to confirm the cashier check was lot and that a new check would be issued after XX/XX/XXXX. I went to the local bank again and was told that BMO Harris would need issue this from their accounting backoffice. I called in early XXXX to inquire and was told that a new cashier 's check would be issued within 7- 10 business days. On XX/XX/XXXX, I further inquired and was told that the check was not processed. They then informed me again that it would take another 7-10 business days before a cashier check would be issued. I asked to speak to a Case Specialist and was assigned to XXXX. I was originally assigned to an analyst named XXXX. But no case reference number was provided. I was only told that I would get a followup call in 3 business days.
|
| 05/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
Copy of letter sent to XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank Of The West XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Notice of disputed minimum payment Card # XXXX I am writing to dispute the minimum charge that is showing being due in the amount of {$470.00}. Originally it was {$650.00} and has since been reduced but is still excessive. I am requesting that the minimum payment to be recalculated based on the current balance of {$1400.00}. I am also requesting that a late charge of {$41.00} be credited back to my account and no further late charges to accrue until this matter is corrected. According to the branch XXXX at my bank the minimum due is calculated at the rate of 3 % of the balance and should be {$42.00}. Therefore this is the amount I will be paying.
I have included the letter sent to me by the bank showing my account being credited due to your error, however the minimum balance due was never corrected.
The Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report. While this is in dispute reporting to credit bureaus is in violation of my rights under this law.
I look forward to a speedy resolution to this oversight.
Sincerely, XXXX XXXX
|
| 12/28/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
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On Monday, XX/XX/XXXX, I called my lender BMO Harris Bank to request 12 months of copies of my mortgage statements showing I've paid my mortgage on time, as part of a refinance transaction. I was told by 2 individuals this was not possible because the bank sold their servicing to another company and they lost the history during the transition ... .. On both occasions I asked for it to be escalated and I was thrown in to a black a hole where I had to continue to enter my social security number ( again ), etc., with no one coming back on the line. On the third time, I spoke to a lovely lady, XXXX, who said that they could pull the history, not the statements themselves as she confirmed their was information lost during the transition. Seriously, all statements used to be on my Online banking, now there's a huge gap and no statements prior to the transfer of the loan.
My issues are : 1. I have to get my loan out of this bank, they are extremely incompetent. How can I refinance to get rid of them if I can not provide the required statement information being requested of any lender for a refinance.
2. How am I supposed to trust that they didn't do anything funny with the amount of money I owe on a loan when they can not produce a paper trail of my statements?
|
| 06/26/2018 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Reference previous Complaint number : XXXX I was not given complete and accurate information of the following issues : 1 ) What date was the equipment actually taken to auction?
2 ) Please provide copies, cost, and any other information regarding all advertising for sale.
3 ) Since I was never informed that the equipment did not sale at auction on XX/XX/2017 ( date I was given for the auction ) .please provide date and proof of sale.
4 ) When was repo title applied for and obtained. Please provide a copy of the repo title.
5 ) Since there were no mechanical issue with the truck at the time it was returned, exactly what repairs were deemed necessary? Please provide original receipts for all repairs done to the equipment 6 ) If body work was done to the equipment, please provide original receipts of repairs as well as before and after photos.
7 ) Please thoroughly explain how you calculated the amounts given on form 1099A.
8 ) Please justify yourself in selling a piece of equipment valued in excess of {$160000.00} for {$120000.00} NOTE : Since I am being asked to pay a balance you show of approximately {$8500.00}, I feel I am well within my rights to ask for proof of any and all monetary expenses incurred after the equipment was returned to BMO Bank.
|
| 11/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened without my consent or knowledge
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|
Web |
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In XXXX we received XXXX bank statements and an NSF Letter in the mail addressed to my personal name from BMO Bank. I did not open these accounts. My wife and I called and made a statement that these accounts were opened in a fraudulent manner. BMO stated they couldn't provide an identity on the actual individual who open these accounts. We received another statement and a dispute letter in the mail on XX/XX/XXXX. We called to confirm that these accounts had been closed. The said individual said her department doesn't handle sending out letters confirming the full closure of the accounts. We asked the specialist if we could please get a copy of the individual who opened the account. Specialist stated they don't require identification from anyone who opens account up through their online website. We ended up calling a local branch within our state to verify this information. This is not ok. This bank has put us through a whole lot of issues this past month, we have had to freeze our credit reports, put alerts on XXXX XXXX. Not to mention they are encouraging this fraud, and someone is having to pay for this. They are required by law to practice their due diligence and they are not. The USA Patriot Act requires all banks to require proof of identification.
|
| 10/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
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I have relationship checking with BMO. BMO Harris is not ready for prime time or ready for external customers.
1. I couldn't open the online account. Have to do it over the phone - full 1.5 hours and it took around 10 days for them to open the account. This is the same situation for the last 2.5 years for BMO Harris. Even at that time i filed CFPB complaint but no improvement in BMO.
2. ACH transactions to outside bank accounts of mine is not working. CFPB complaint filed- no action from BMO till now.
3. On XXXX XX/XX/XXXX XXXX - I sent a XXXX transfer to my own personal checking account at XXXX XXXX ending in XXXX. That transaction was too slow but finally went. Money was available in XXXX XXXX on XXXX XX/XX/. I couldn't understand XXXX transfer is done in few minutes -why it took so long for BMO to do it.
Today I tried to do another XXXX transfer from my BMO account to the same XXXX XXXX account ending in XXXX. XXXX transfer is blocked. I need to call BMO. BMO Customer service told me - unusual transaction that's why blocked. I said what unusual- it was done to the same bank - one week back. She had no answer. Stated that she submitted the request to take the hold off and it will take almost 5 days for the money to reach my account in XXXX XXXX
|
| 12/03/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
|
BMO Harris Bank will not accept payment on my BMO credit card, and they are charging late payment fees which are unjustified.
In XX/XX/2023 BMO took over my Bank of the West credit card, and I have been unable to pay off the balance of {$50.00} since then. In the 15 years that I have had the card, I have never been late to make a payment, and I have never had this problem before.
I made numerous attempts to use the BMO online payment computer application, but the application would not take my payment. ( See Attachment 01. ) I had several conversations with BMO representatives via their computer chat function, but they were unable to help with the computer glitch. I requested that they report the glitch, but I have had no response to that request.
I called and spoke with a representative on the telephone and arranged the full payment before the payment deadline, but BMO later reversed the payment, as I saw on their next statement. I made two successful payments and received confirmation numbers, but BMO reversed these payments. ( See Attachment 01. ) On XXXX XX/XX/2023, I sent BMO a letter requesting the payment be made from my BMO bank and account and that both accounts be closed. ( See Attachment 02. ) I have not received a response to this letter.
|
| 07/13/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
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On XX/XX/XXXX I mailed a payment in the form of a check to XXXX XXXX for {$120.00} in the mailbox in front of the XXXX XXXX Illinois XXXX XXXX. The Mailbox was broken into and my check was stolen, altered and cashed for the amount of {$8900.00}. When I noticed this was taken out of my checking account I contacted XXXX XXXX BMO Harris bank and then proceeded to fill out a report with the XXXX XXXX Police Department. We went to BMO Harris bank to fill out the paperwork for the fraud process. For the past 6 months we have been contacting BMO Harris with no answers on our case. We have been told we may not ever get out money back. They said that they have to get the money back from the bank that cashed the check and if they had to pay everyone involed in this mailbox breakin that BMO would be out of alot of money. We ask details as to where and who cashed an altered our check and they will not tell us. We ask to have people call us back and no one does. We go into the bank and they just say its in process.
Below i am attaching documents that include the Police report Number, the affidavit to the bank, The forged Check, a copy of my check book balance for the check i wrote to XXXX XXXX and a email from BMO saying that they are at mercy of the other bank.
|
| 04/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
Past financial issues caused me to miss payments despite my best efforts to always be on time. I am wrote a goodwill letter see if BMO Harris Bank would be willing to make a goodwill adjustment to your reporting to the three credit agencies.
During the time of service that I had with their company, I was unemployed for a year following being laid off from my job. In XXXXXXXX XXXX XXXX, my unemployment funds were depleted and by XXXX XXXX XXXX, I was being evicted from my apartment. I strived but failed to complete payments on time.
I asked that they understand my financial obligations and that if it werent for my lack of funds, Id make an excellent repayment record. Ive had the misfortune of falling behind but I have been committed to cleaning up my mishaps and I believe these missed payments do not reflect my creditworthiness and commitment to repaying my debts.
I kindly asked that the company would consider this and assist me in improving my current circumstances. Im planning to apply for an apartment to resolve my homelessness and its come to my attention that the collection on my credit report could hurt my ability to qualify. It would help immensely if you could give me a second chance and make a goodwill adjustment to remove the collection.
|
| 12/07/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
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As I anticipated, BMO Harris Bank added a late fee to my bill this month. My mother called on XX/XX/XXXX to make payment for me and they were going to add a XXXX charge for paying over the phone. There is also a charge to pay online. They told her the only way they would not charge was if she sent a check. So she did send a check that day for the payment amount. I kept checking online to see if the check had been applied to my account but it was taking longer than I thought. My mom said the money was still in her account as well. I kept trying to get in contact with BMO as I anticipated they would add a late fee if the payment was not made by XX/XX/XXXX. The check definitely arrived by XX/XX/XXXX as it was sent first class normal mail. That never takes longer than a few days. BMO decided to add a late charge anyway. This is not right. They want to charge people to pay them no matter how people decide to do it - whether the service fee for over the phone or via internet, or whether a late fee for sending a check. In addition, now it says my account is in default when it really was not. This sets me back from being able to get online access even more. These are absurd practices done by a giant corporation trying to take advantage of the little guy.
|
| 12/15/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
On numerous occasions, I have made principal payments on my HELOC with BMO Bank under account number XXXX and the lender credits it 2 or 3 days later charging me interest all the while having been paid. This dishonest tactic by the lender if making them potentially millions of dollars in ill gotten profits due to their dishonesty.
I have tried to contact them on numerous occasions. Their system is set up through XXXX XXXX as the servicing agent for the lender and is next to impossible to get through. The system is designed to frustrate a customer and exhaust them into giving up. Reps who answer the phone after lengthy hold times, inundate a customer with endless " verification questions '' and some of the questions are trick questions like " when was this loan set up '' or " what is the current interest rate on the HELOC '' in a market where rates can change daily and answering these questions incorrectly will block the customer from being able to access their account. On multiple occasions, they have asked at least 5 or 6 trick questions desgned to exhaust the customer with the ultimate goal of not addressing my concerns about their dishonest and illegal interest calculations. Please step in and get them to follow the law and stop this abuse.
|
| 11/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
There are two major issue .First, have a checking account in the bank and im currently living abroad. XXXX XX/XX/XXXX, my suddenly lost my acces to my mobile banking account. During password recovery process, application was insisting my SSN and other information does not match their records. contacted the costumer support next day, and after spending an hour trobuleshooting, issue wasnt resolved.Eventually, She told me that her logs was telling her that password recovery was succsesful each time when i tried and got the same error i mentioned above. She told me that her system shows everything perfect and there is nothing they can do as if im imaginig the error. This issue still persist to this day.Second, Furtermore, Since the occurance of this probleam, The bank has been declining any monetary transaction via bank account and debit card. Reason was not disclosed to me during my call. So i have lostany access to my money. tried reaching costumer service XX/XX/XXXX for this issue as well, but failed after being put on a hold for terribly long while. m calling form abroad, and its terribly expensive to call. Only thing CS agent could come up is to me going to a store, witch is not possible. need your help, please help me in retriving my account.
|
| 10/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
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My checking account continued to be debited for unauthorized transaction for XXXX XXXX XXXX XXXX My account was linked to a LOC ( Personal Line of Credit ) for Overdraft Protection, so it too was depleted. My total loss between both the checking accounts and LOC was approximately {$4000.00}. I have statements that show list of ALL transaction dates, amounts, and name of online gaming vendor ).
I have contacted Bank of The West local branch, I have completed a dispute per branch manager advise, but the bank did NOT refund me my money. I even contacted District Manager, but I was totally disregarded.
Please note that these transactions where made from a secondary checking account, that wasnt used often ; not my primary checking account so I was unaware of what was happening, and unfortunately although the bank does get a daily overdraft report that the Operation Manager receives, is required to review, and is required to contact customer whom are overdrawn, or show suspicious activity I was never contacted.
At the time Covid hit and I was XXXX and couldnt follow through with trying to get my money back. I am ready to provide all info needed to support my complaints, and hope you can assist me in getting my money back.
Thank you, XXXX XXXX
|
| 07/12/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
The lawfirm of XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX. represent XXXX XXXX and XXXX XXXX regarding the purchase of an RV from XXXX XXXX XXXX XXXXXXXX XXXX financed by Bank of the West. The RV was returned to Grand Design on XX/XX/2023, while XXXX XXXX has continued making payments to Bank of the West while we work on his case against XXXX XXXX and Lazy Days. Since XX/XX/2023 we have been calling and emailing Bank of the West Loss Mitigation Department XXXX and customer service at XXXX requesting a short payoff regarding this loan.
It is impossible to receive a call back or speak with anyone who will assist regarding this loan. Attached please find copies of our third party authorization, emails I have sent and details regarding this loan.
Today I spoke with XXXX at the customer service number XXXX, she refused to give her id number. Transferred me to the loss mitigation department where only a recording tells you to leave a message. I called customer service again spoke with XXXX ID # XXXX, explained to him that no one returns my calls nor responds to my emails and I asked him to please put me on the phone with a supervisor, he agreed to do so, placed me on hold, and after a while passed the call simply disconnected.
|
| 11/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Upon Reviewing my report with XXXX XXXX XXXX XXXX XX/XX/XXXX I saw that BMO Harris bank has reported negatively about my banking history. It states I am being reported for non-sufficient funds ( NSF ) activity. Reported date XX/XX/2020 with charge off amount being {$730.00}. Called customer service 3 times and got absolutely nowhere. 1st time calling on XX/XX/2020 customer service rep said he couldnt help me but that he could & would send an email to that department requesting that Id like a call back promptly to discuss this. No call. 2nd time calling on XX/XX/2020 I told customer service I needed a phone number to whomever had the authority to discuss & fix this. After waiting 45 mins Customer service rep said she couldnt find a direct phone number but she would contact her supervisor and email me the contact info. No email. Lastly the 3rd time calling on XX/XX/2020 customer service rep said oh sure let me transfer you then dial tone! Disconnected. Im very upset because these fees/charges for {$730.00} escalated from fraudulent charges that resulted in overdrawing my account which resulted in overdraft fees and so on! I was told back when these fraudulent charges happened that I wouldnt be responsible for any of these charges or fees!
|
| 11/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
on XX/XX/XXXX, i paid {$280.00} for my payment due on XX/XX/XXXX. On XX/XX/XXXX i saw on the BMO app that they had double billed me. I called the customer service number and spoke to someone who assured me that after the XXXX days they required they would see the extra charge and it would be returned. however on the XXXX my bank account was overdrawn due to the double charge. i again called BMO the first call was disconnected after XXXX minutes of waiting on hold for an answer the second call I was told that they could not return my money due to the fact that it was an " auto deduct '' which it was not my payments are scheduled for the XXXX not the XXXX. after several more minutes I was told that the best she could do was apply the extra payment to XX/XX/XXXX and I said fine but XXXX require that in would not have another payment due till XXXX, I said fine but i require that in writing, i was refused, I argued and was then told I would receive a letter by E-Mail shortly. it never came. Now when I look the BMO app it shows the initial payment was taken for XXXX and the stolen payment came off my principal wholly. this tells me that they never had any intention of crediting my XXXX bill and will simply auto-deduct from my account on XXXX
|
| 12/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Re : Bank of the West not BMO.
On XX/XX/2023 I made XXXX deposits of {$5000.00} each into XXXX XXXX XXXX XXXX XXXX checking account ( Account # XXXX ). The deposits were in XXXX currency which were XXXX checks. On XX/XX/2023 I got a credit of {$3600.00} which was for one of the check. I went to the bank and inquired why I got only one credit. There should have been two credits. The teller, XXXX told me she will look into it and asked me to check in again in few days. I checked in in about a week and I was told that there was a problem with mail and she will inquire with the copies she has in her office. I kept checking and there has been no satisfactory answer. Three month ago she asked me to check with the payee if the check had cleared his bank. Which I did and asked the payee to send me copy of cleared check which I provided to Mercy at the bank. She told me that she will start an investigation and get back to me. I kept asking her on weekly basis but she kept telling me there has been no result. Yesterday on XX/XX/2023 she called me and said that she got information from the investigation office of the bank and the case is being closed because it is too old without any result. She didn't say anything about crediting the account.
|
| 08/31/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
BMO Harris issued me a new chip debit card to replace my old chip debit card as part of a rollout. When I called to activate the new card, I was told by the representative I could destroy my old card. After destroying my old card, the representative stated for some reason a pin was not attached to my new card and they would have to mail one out. This was on Friday, XXXX XXXX at XXXX am. I was guarantee by the manager I spoke with that it would be in Friday 's mail and I should receive it in 2-3 business days. I was informed without the pin, my card would not be useable but if I wanted to go to a branch during their business hours I could withdraw money from a teller. On Wednesday, XXXX XXXX, I called BMO Harris again after not having received my new PIN number. I was hung up on by XXXX and then told by XXXX that my old pin should be valid, I just need to go to a branch to check. I informed XXXX of the phone call I had with the manager on Friday and that my work schedule does n't allow me to go to a branch during business hours. I asked if there were any offices open later and was told no. I have been without access to my paycheck and using credit cards because of BMO Harris ' XXXX up and they do not want to address or fix the issue.
|
| 08/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
Older American |
|
Have visited the bank branch 4 or 5 times -thats 5 hours of driving on a two lane road.
Have been there today, XXXX XXXX to ask manager to do something and she called the bank card division who have repeatedly told my wife and i that " the accounts all have been closed. After the last trip to the bank, we got a statement that doesn't mention the account is closed and in fact, owe the bank {$4.00}. We were told that the last time we were there that we owed to fulfill our obligation on the bank card.
We then paid a large sum of money to settle any transactions on the bank card.
It seems the bankcard office doesn't communicate with the Bank of the West branch here in XXXX XXXX. We need to know all our accounts are closed, but no one can tell us that fact. We travel to the XXXX a lot as my wifes ' family are over there.
I lost count of how many time we've called the bankcard people to tell them we are going overseas and need the card to not be restricted. Numerous times we went to pay and the card was rejected in the XXXX .This is stressful at the least for us traveling.and because of the 7 hour time difference, cant rectify this on a phone. This is sloppy and indicative of an institution that does give a care about its custiomers.
|
| 12/24/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Older American |
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I received notice that my service provider for my loan was being changed and requested the balance due on my loan. I have over the years been told this was a charged off loan and they would not send me monthly statements or payment slips even when I wanted to know my balance in the past. When I call the bank they tell me they do not have access to the information and the information I get from the branch office is incorrect and that the branch does not have access to the correct information. I was transferred to customer service, who sent me a payment record sheet indicating my balance of {$1800.00}, another sheet from XXXX XXXX says a balance of {$1100.00}, however the cover sheet says the balance is {$12000.00}. When I ask for evidence of past due fees, interest, or anything I am told they have no access to that and that the information I got is incorrect, like I am making up numbers, but the numbers I got were from the people they transferred me to. I called my US Senator, XXXX XXXX, her office says they do not deal with such issues and gave me a number to the state of Wisconsin. The state said the bank has a national charter so I need to contact you. This has been a 3 month process and my patience is wearing thin. Please help.
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| 07/15/2015 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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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.
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| 04/13/2016 |
Yes |
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Web |
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I 've been a diners club card holder for about 10 years. A few years back, I stopped using the card. When I moved a year ago, I changed my address with what I thought was all of my accounts, but I missed Diners Club. Since I was n't using the card regularly, I did n't get statements, and so nothing was forwarded from my old address. Then, Diners Club charged me an annual fee on the account. I never received a statement, or an email ( my email address was current with the company ). I only noticed something was wrong when I checked my credit report, and they were showing me 90 days past due for XXXX {$100.00}. When I called them, I discovered it was because of an annual fee. Despite saying they would fix my credit report, it 's still showing the past due at all three bureaus after three weeks. It 's unconscionable that credit card companies can tarnish your credit report simply because you did n't pay an annual fee -- I can understand closing the account, but to be penalized for years because of an unpaid annual fee is ridiculous. What is your credit score supposed to represent? I 've got pristine credit with nearly XXXX accounts over the past 25 years. It should be illegal to report to the bureaus just because of an annual fee.
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| 05/20/2021 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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On XX/XX/XXXX, after receiving a BMO Harris Bank promotion advertisement, I went to the BMO Harris Bank branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, and opened a business checking account. I met all requirements ( see the promotion terms attached ) but did not receive the {$500.00} checking bonus as advertised. Since XX/XX/XXXX, I called several times XXXX XXXX, the Banker who helped me open the business checking account, and left voicemails but there was no response at all. Then I called the BMO Harris Bank customer service number several times to report this problem. Although the customer service representatives said they would escalate this and gave me an update, they never contacted me afterward. On XX/XX/XXXX, I called the BMO Harris Bank customer service number again and later got connected with XXXX XXXX who was the Branch Manager. On the same day, I forwarded the promotion email I received on XX/XX/XXXX to XXXX and he promised to resolve this problem. After that, I did not receive any response. Months later, I called XXXX to follow up and left voicemails. Still nothing. As of today ( XX/XX/XXXX ), I still did not receive the {$500.00} checking bonus as promised and never received any response from BMO Harris Bank.
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| 12/13/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Can't close your account
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Web |
Servicemember |
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In XX/XX/XXXX I purchased a service from XXXX with an automatic renewal three years later - XX/XX/XXXX. The purchase in XX/XX/XXXX was charged to my XXXX XXXX XXXX. I cancelled the XXXX XXXX XXXX in writing in XX/XX/XXXX. I stopped using XXXX some short time after the renewal and forgot about it. In XX/XX/XXXX I received a bill for {$170.00} for a renewal of XXXX from XXXX XXXX. This was the first bill I had received from XXXX XXXX since I closed the card.
I called the dispute department at XXXX XXXX and found out that my account had been left open because the terms of the agreement with XXXX were for an automatic renewal. I have spoken to XXXX and they may refund my money. I am writing this complaint to you because : 1. I do n't think that companies should allow charges to be made to credit cards that have been closed.
2. I think that companies who have automatic renewals directed to a credit card that has been closed should be obligated to get a new open credit card from the consumer before any charges can be made.
The scenario that I have discribed above could go on and on. The customer could discontinue use of a service, move, never receive the bill from the closed credit card and accumulate charges that are unfair.
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| 07/26/2017 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
Servicemember |
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My Son XXXX XXXX was involved in an accident at the age of XXXX. There was a court settlement resulting in a monetary award for XXXX which was deposited into a court restricted CD account at XXXX XXXX XXXX by the law firm that represented the insurance company. I was names conservator of XXXX estate by the court. XXXX XXXX XXXX merged with XXXX XXXX XXXX in XX/XX/XXXX. A second merger with XXXX XXXX XXXX XXXX happened in XX/XX/XXXX. A third merger to the current restricted CD account holder BMO Bank happened in XX/XX/XXXX. The court has now decided that XXXX is old enough to receive the funds with the accrued interest from BMO Bank. Over the years since the funds were deposited, I have not received any correspondence from any of the banks. After receiving a letter and court date from the XXXX Superior Court, I did some research, ( see attachments along with the Federal Reserve Release document, pages 6 & 23 ) and contacted BMO Banks XXXX XXXX at the XXXX XXXX, Arizona branch on XX/XX/XXXX. XXXX XXXX checked out our personal information and created case # XXXX. I was told the result of the search would be completed by XX/XX/XXXX. I left a message for XXXX XXXX onXX/XX/XXXX at XXXX but as of this date have heard nothing back.
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| 08/03/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
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To who may concern, This update is continuing for previous complain and recent BMO Harris bank action of my home equity line of credit. I started my proces two and half months before my maturity date XX/XX/2016.All documents required by the bank has been promptly delivered on day one and no additional paperwork after that. Through that time I received offer that Harris bank declined itself by saying they overlooked some details.
Then all two months no communication about specific product of modification, new home equity line of credit until 3 business days before my maturity date I received some documents ( see attached files ). First two months old decline offer, second bill for {$150.00} and third info about hardship and foreclosure. This only proves that the BMO Harris bank has no interest to protect that time bank 's money of {$150.00} while bank estimated my home value for {$120.00} ( well underpriced and initial complain describe that I offered {$50.00} down to keep going with helc ).
Set it all together it shows fot the BMO Harris bank 's dirty practices and I believe that cases like this one would halp the state and federal law enforcement agencies to protect other customers against this bank.
Sincerely XXXX
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| 09/26/2019 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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I opened my checking account on XX/XX/19. They had a promotion for a {$300.00} sign up bonus upon meeting the following requirements : two direct deposits of {$500.00} or more and ten debit card transactions. I met and exceeded these requirements which has been confirmed by the bank on multiple occasions via phone calls to customer service. Based on the terms of the promotion, they said the bonus should be paid out around 120 days after opening the account, so on or around XX/XX/19. I began calling to inquire about the status of the promotion I believe in early XXXX, giving them a few weeks of leeway time after the expected date to receive the promotion. After multiple phone calls over the past month, each representative has told me that I do indeed qualify for the promotion but to keep checking my balance on the following Wednesday morning because the promotions are dispersed on Wednesdays. So each Wednesday I would monitor my balance and see nothing had changed. They keep claiming that they have escalated the issue but nothing ever happens. No one has ever reached out to me to describe the problem, if any. I feel like this promotion was a bait and switch and they never intended to pay out the promised promotion.
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| 04/20/2021 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Closing an account
- Can't close your account
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Web |
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I have a CD with BMO Harris Bank. They sent me a disclosoure notice stating the date it matures, the term, account number, current balance and phone numbe to call to close it. When I called the number, first I had to go through the most ridiculous phone tree I have ever experienced to get to a live person. None of the option, in any of the branches of the phone tree, had anything to do with CDs. When I finally got to a live person ( obviously offshore ), she kept asking me to answer questions that were not on the notice of account disclosure, such as the original amount invested and the interest rate. Neither of these items were on the " notice of account disclosure. '' I gave her all other information about my self, name, address, account number, Social Security number, current balance, etc.
She kept putting me on hold and I asked her to call me back if I got disconnected. She did not want to take my phone number but I insisted on giving it to her. Naturally, I did get disconnected and she never called me back. A customer should not have to go through this rigamarole to get their money back. Now I will start all over but I don't know if I ever will get my money back. This customer " service '' is unacceptable.
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| 07/18/2017 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Banking errors
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Web |
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On XXXX / XXXX /17 we were contacted by someone who claimed to be from the United States Department of Health and Human Resources stating my boyfriend was eligible to receive {$12000.00} from the Obama stimulus package. He said we had to pay an activation fee and taxes totaling about {$1100.00} with gift cards. We were told at the end of the call after we purchased the cards and gave him the codes on the back that we had just been scammed. We immidiatly made a police report and called the bank. We went to the bank and they filed an investigation. The bank manager said she was going to make some calls to get our money back because it was frodulent circumstances. We have made several calls to the bank never receiving a response. We reached the manager once and she said she would call us back that following Monday and never did. They have completely ignored us but told us twice they would replace our debit cards and did n't do that either. The purchases should have been flagged as suspicious. Our money is supposed to be guaranteed by the Government and we should have had it back by now. We were unaware that it was fraudulent but the bank should have caught it. Instead they act as if we do n't exist which is wrong.
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| 09/21/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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On XXXX 2020 I had an IRA/CD mature with BMO/Harris Bank located at XXXX XXXX XXXX, XXXX , Illnois XXXX in the amount of {$22000.00}. It had a 10 day grace period before it was rolled over. The branch managers name is XXXX.
On XX/XX/2020 I went to close the account and transfer the money to an IRA/CD account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois, XXXX supplied BMO/Harris with the required IRA/HSA transfer request on XX/XX/2020.
I was told by XXXX that they could not present me with a check that day and that their IRA Dept. would have to be the ones who would mail a check to XXXX XXXX XXXX XXXX XXXX.
As of XXXX, 32 days since I've closed the account the money has not yet been transferred.
After many calls to XXXX at BMO/Harris, who I would like to add has been as helpful as she could be but seems stuck in the middle of this, she referred me to her supervisor, a XXXX XXXX. I have sent three E-mails requesting a call from XXXX XXXX and none have been returned or replied to. I also filled out a complaint form on BMO/Harris website but have not heard anything yet from them.
I was also informed by XXXX XXXX would not be paid any interest on the money they haven't released to me.
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| 02/16/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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BMO Harris has charged my account over {$250.00} in overdraft fees for charges that were reversed by them ( bank error ). Instead of allowing the charge to bounce, they allowed it to process, come out of the account, then reversed it 24 hours later and charged fees. This has happened multiple times for the same charge, resulting in hundreds in overdraft fees, with none of the bills actually being paid to the merchants. This is unfair and predatory for businesses going through rough times in a pandemic.
I have reached out several times since late XX/XX/XXXX/early XXXX about the fees. Each time, I was told by the person on the phone that a manager has to reach back out to me about this, but no one reached out until today XX/XX/2021 after the account was closed. My business has been negatively affected by COVID and this is unacceptable. Had they returned my calls when I first requested, I would have qualified for the COVID relief program for overdraft fees and this would not be an issue.
This situation and the fees are all bank error and I would like them to be reversed ASAP as I will not be paying them through a collections department or agency. I intend to speak with a lawyer about this if not rectified.
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| 11/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I've attached the email I've sent to BMO Harris/ DINERS CLUB INTERNATIONAL CREDIT CARD.
They've have willfully caused financial harm for allowing continuous erroneous charges on my expired credit card. I was very sick and then attending to family for a deceased grandmother the past 7 weeks. Upon return to Texas, I was notified by credit bureau monitoring services that my credit was now showing 30 days late.
Never in the history of my life have I ever been late 30 days with any creditor including BMO Harris. This account should be XXXX from XX/XX/XXXX through this moment and yet I still went ahead and paid this nominal {$200.00} frivolous charge that BMO Harris Allowed. Additionally, I've purposely tried to use the card this weekend and its delcined due to being expired in XXXX. I've NEVER even been able to use or charge anything on this card EVER since XXXX.
I've contacted 2 law firms today and in addition, I'm also contacting my Attorney General 's Office in Texas and will be sending a complaint to BMO Harris ' state where they have their main HQ in the United States. Additionally, I've also sent a complaint to the Federal Trade Commission as they won't fix and correct my credit reports.
XXXX XXXX
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| 08/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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I have had two consecutive car loans with BMO Harris. Upon final payment of both, I was charged additional fees which totaled more than an additional car payment in order to release the title. The only number for a customer service rep is outside of the U.S. ( sounds like XXXX ). When you insist on talking to BMO Harris directly due to the large discrepancy in the pay-off amount, they tell you that they can not help you and then direct you to call an XXXX number which turns out to be bogus. There is no way to get ahold of the bank directly. They have ripped me off on two loans and I vowed to never do business with them again. Meanwhile, I am reading on the internet that this is happening to a lot of other people. They hold your title hostage until you pay these outrageous fees, when all payments and transactions were made ON TIME via online bank transfers. I have each payment record. There should be no late fees or additional interest, but there is no one to complain to or rectify the situation. BMO Harris is an unethical bank that needs to be stopped IMMEDIATELY. They must be garnering XXXX XXXX XXXX in bogus fees and interest. How are consumers supposed to fight this? Every inquiry leads to a deadend.
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| 01/23/2024 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Incorrect information on your report
- Account information incorrect
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Web |
Older American |
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I had a HELOC with Bank of the West on my primary residence at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. This house was sold in XX/XX/XXXX and the HELOC was closed around the same time. BMO took over Bank of the West. I called BMO several times to request for the total mortgage interest paid on this HELOC for the year XXXX so that I can file my taxes early. BMO can not find information on this HELOC. I believe BMO erased all data on all closed accounts without consideration for documents and information needed for tax purposes.
I went to the BMO branch in XXXX on or about XX/XX/XXXXXXXX Staff at the bank called the mortgage office. It appears nobody can find the HELOC data/information. A supervisor promised to work on the problem, get a copy of my 1098 and call or email within 2 days. I did not receive a call or email.
I, again, went to the BMO bank in XXXX today ( XX/XX/XXXX ) to follow up on my request and spoke to the manager ( XXXX XXXX ). I, again received another promise that I will be furnished a 1098.
To my knowledge, BMO is a XXXX company that took over Bank of the West. It appears, BMO is not cognizant of US tax practices and negligently deleted vital information needed for tax purposes.
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| 08/23/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/XXXX I mobile deposited a total of 5 money orders at {$1000.00} each. This was my initial deposit after opening this account a little prior to this. That same day it showed {$5000.00} in my account. The next day I couldnt access the account anymore. Not online not on the app and not at the atm. I called BMO bank and they said they could not help me and to call back on Monday. So that is what I did! I was told that it went to the fraud department and spoke with a man named XXXX. He asked why I deposited so much I said it wasnt that much considering I should be able to deposit as much as I want. They have no regulations on how much I can add. Then asked me to verify the amounts ( which I did ) and said ok he would get it handled. That was three weeks ago and counting. I have spoke to the fraud department several times. Each time after waiting on hold over a hour I get told 14 days then 14 business days. We have been well past that and now Im being to wait longer because they may have to have someone else look at this. Keep in mind that they money orders actually cashed on XX/XX/XXXX. So where is the money? They cashed them but didnt put it in my account..????? STAY AWAY FROM BMO HARRIS BANK
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| 02/15/2023 |
Yes |
- Checking or savings account
- Savings account
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- Opening an account
- Unable to open an account
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Web |
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I opened a savings account at BMO and I transferred {$25000.00} from my XXXX XXXX to this BMO savings account I had just open. Then I changed the address on their website and after that, my account was blocked.
BMO customer service asked me to send documents to their bmo verification email. I did. Then they said the addresses don't match and told me the only way to solve this was for me to go to a branch. I live a 6 hours flight way from their branch. I was even told by one of the customer service staff that it was my fault for opening an account at a bank without a branch in my city. I have no access to my money anymore. I was told that the other way would be to wait 60 days after they close my account, after they investigate, and then send me a check, but they couldn't tell me what address the check would be going to.
I called them 10 times, nobody at BMO was able to help fix my address and give me access to my account, they say I have to go to a branch. Flying there is not gon na work, even if I could fly there, they said in the letter the account would be closed on XX/XX/XXXX, that's two days from today.
I don't know if and when I will see my money again. It's been almost 2 weeks so far
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| 05/04/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Money was not available when promised
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|
Web |
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IRA CD with BMO Harris Bank matured XXXX XXXX Transfer of funds request submitted to BMOHarris Thursday XXXX delivered overnight by XXXX tracking # XXXX ... received at their XXXX WI office at XXXX XXXX XXXX XXXX from XXXX XXXX XXXX
Repeatedly called customer service to determine when funds would be transferred to my XXXX XXXX IRA account, as per written request already received ... .BMO staff would never answer question about transfer timing, and issued contradictory statements regarding receipt of instructions ... yes we have them ... no we don't have instructions?
XX/XX/XXXX telephone conversation with XXXX of Resolutionn team ... she confirmed receipt of XXXX instructions and told me funds would be at XXXX by Monday XX/XX/XXXX.
XX/XX/XXXX ... no funds received by XXXX ... called XXXX back XX/XX/XXXX and XXXX XXXX-no response.
XX/XX/XXXX telephoned another Resolution team member..XXXX XXXX. XXXX tells me that XXXX instructions can not be located..contradicting what I was told XX/XX/XXXX by XXXX.
Nearly XXXX weeks after Maturity, I still do not have funds at XXXX and can not determine when I will have funds at my XXXX account ... no specific information provided by BMO Harris Bank.
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| 07/20/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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Account opened XX/XX/2023.
On XX/XX/2023 email was received stating that external transfer was suspended on the account.
I called XX/XX/2023 and we told my issue was being escalated and I would hear back in XXXX business days. I did not hear anything during this time.
I called on the XXXX business day ( XX/XX/2023 ) and was met with resistance by XXXX separate employees to speak with someone else about the issue. The first employee advised there was no one to be transferred to in management or a specialist dept to resolve my issue and I was placed on indefinite hold with no explanation.
After I called back, the second employee attempted " verification '' of my identity with a text message that was never received (? I do not feel it was even sent ) and asked identity questions that were correctly answered, but I was told that I could not proceed without going to a branch. It was as is the XXXX employee was purposefully delaying my ability to discuss my issue with anyone that could help me.
I only want the ability to set up external transfers reinstated to my account. I was given no explanation as to why it was suspended, and given the run around to try and get this resolved.
|
| 08/13/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
Servicemember |
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REFERENCE COMPLAINT XXXX AND COMPLAINT XXXX Additional questions : 1 ) letter dated XX/XX/XXXX states vehicle was placed for sale after repairs were done in XX/XX/XXXX ... ..invoices show repairs done in XXXX ... .which is correct.
2 ) repairs show a windshield being replaced ... .when was windshield damaged as it was not in need of repair at the time the vehicle was surrendered.
3 ) you did not have a POA to sign off of the title. How was title signed off? IF, you state that a POA was provided in the contract, please specify paragragh and line providing for that.
4 ) On the XXXX form issued in the calendar year XXXX, you state that the value of the vehicle was approx. 92k yet in the same year you value the vehicle at XXXX. Please clarify how you can ... .in the same year ... provide 2 different values on the same vehicle. Please explain ... for IRS purposes the difference in these figures.
5 ) was the XXXX issued actually filed with IRS, I have been told both yes it was and no it was for my information only.
6 ) since the vehicle sold for more then the loan amount, why was an interest statement not issued to me for XXXX as the proceeds of the sale covered those charges.
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| 10/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Since first financing my XXXXXXXX XXXX XXXX performance car in XXXX of 2022, I have had trouble each month with paying my car note.
Not financial troubles, but troubles with contacting BMO Harris and their loan department for appropriate payments. At first I thought it was because the loan was new but its still happening.
Each time- even as recent as yesterday - No one can locate my account by name, account number, social security or address. I am consistently forwarded to another department who echoes the same disbelief that I am a customer. There also is not a way for me to log-in or register my account online.
The only times that I have been able to pay is after a month goes by of me trying to contact BMO Harris and a representative contacts me. I can then pay by phone until the same process happens at next pay date.
There also is not any local US locations and I have a hard time understanding most of their reps. They also dont allow you email anyone from the company.
Most recently, one of my payments was said to be voided by the company and I dont know why. That then puts me in further bad standing with the company, possibly my credit and my own financial accounting.
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| 12/01/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
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Web |
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XX/XX/2022 Our company sent a check to our vendor to cover an invoice. They never received it and we issued a new check and found on our bank statement that our original check had been cashed by a person not the vendor and the reissued check was cashed by our vendor with their information on the back.
Told by our bank to obtain affidavit from vendor received XX/XX/2022 and turned into bank on XX/XX/2022 along with police report. Vendor also reported to USPS the theft of the mail. Have been in contact biweekly with banker with no satisfaction and no response. They say they ae calling, but never tell us what has transpired The banks fraud department says they need more info, but they have everything.
Had to open new checking account which has added to a customer not updating the new banking information on there end and we have a Payment Advice going to the old account and now we have money in limbo, the bank says it should seamless go to our new checking account and they say they notified there people to make sure it transfer. We need these funds to pay our bills. And I feel that the bank is just dragging their feet., The bank is BMO Harris XXXX XXXX XXXX XXXX XXXX XXXX IL
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| 01/25/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
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Web |
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My name XXXX XXXX and i am a resident of Missouri. I opened a BMO HARRIS smart advantage checking account online back in XX/XX/XXXXAnd at the time they had a promotional bonus of XXXX $ offered on the account after meeting the qualifying Direct deposit requirements and it was open to the residents of Missouri. Their system automatically appliedthe promocode as they had mentioned in their promotion.
I met the 2, 300+ DD requirements in XX/XX/XXXX
Last month in XX/XX/XXXX i called their customer serivce to inquire about my bonus since its been more than 3 months since DD.
They confirmed that i had met the DD requirements and that i should receive my XXXX $ bonus by XX/XX/XXXXthe latest.
Its XX/XX/XXXXand still i havent received the advertised bonus. Upon researching online i further discovered that they are doing this to almost all customers and mnay are having to officially file a complaint to get them to honor their promise.
I have attached with this complaint my checking account statement from XX/XX/XXXX showing my DDs and My screen shots of BMO HARRIS promotional offer including the promocode used.
I hope CFPB looks into this and helps me resolve the issue.
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| 06/23/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
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In XX/XX/XXXX, we took out a land loan from M & I bank for {$42000.00} at an interest rate of 8.5 % for XXXX yrs. This complaint was previously filed as case # XXXX. I am attaching a copy of our statement to show that after paying this loan for 8 years, we have decreased our principle only by {$4800.00}. So far, YTD, we have decreased our principle by {$180.00} ( this is through XX/XX/XXXX ). We spoke with XXXX XXXX ( BMO Acct Mg ), and he wanted us to apply for a new loan, pay the fees and the appraisal, but then he could not guarantee us that they would do the loan or what the interest rate would be. They have the loan. It would be in their best interest to help us to reduce the interest rate and make the payment more affordable as well as assisting in paying off the principle. I do n't see how, at this rate, we are ever going to pay off this loan within 22 years. Also, 8.5 % is a high interest rate in today 's market. We need assistance in getting this loan payment reduced. My husband is now retired and I am the sole payer on our loans. We would like someone to please look at this and assist us as BMO has not assisted us at all. They have no interest in helping us.
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| 09/20/2023 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Problem accessing account
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Web |
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I had two investment accounts with Bank of the West. BMO purchased Bank of the West. One of my investment accounts transferred over ; my other investment account did not transfer over. I called BMO. They said I had to open a new account and then call them so they could fix the problem. I opened the new account. I called them back on XXXX XXXX XXXX Now they are telling me that they can not locate my second account. They are telling me that they can not see what accounts I had with Bank of the West. The representative told me that I need to contact Bank of the West. But there is no Bank of the West anymore. It was bought by BMO. Even when I try to go to the bankofthewest.com website, it re-routes me to bmo.com. I asked for a supervisor and was told everyone is " in a meeting '' and I would get a call back. Nobody called me back. I am worried they lost my account and do not understand why they can't find my account. Clearly something in the transfer happened - why would one account transfer over and the other not transfer? And why can't they see what accounts I had with Bank of the West? They should be able to fix this and give me access to my second investment account.
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| 11/17/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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Bank advertises transactions will take 1 to 2 business days to clear.
In my experience this is accurate when making deposits into the account. The day following the transfer request I can see the money in BMO Alto account.
I requested a withdrawal out of the BMO account to a linked external account Tuesday XX/XX/XXXX at around XXXX. As of the date of this complaint it is XXXX Friday XX/XX/XXXX so going on to four days since transaction was initiated and the Bank has still not approved the transfer. I needed the money for today XX/XX/XXXX so I now need to use a credit card to make this payment which will cause me to incur additional fees.
BMO alto does not allow you to speak to any supervisor. I've called approximately 8 times over the last 3-4 days and each time I was advised that a supervisor was not available and there is no mechanism in place to reach a supervisor. I was provided with the Bank 's fraud dept phone number as I had been advised that my withdrawal was flagged for fraud review. Unfortunately the number provided is an unmonitored number. I would call and wait for about 8 minutes and then get a message that mailbox is full and it would disconnect.
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| 09/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
Servicemember |
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We purchased a XXXX XXXX and it was financed through Bank of the West. BMO has now purchased Bank of the West. Our XXXX is faulty XXXX XXXX XXXX is paying off our loan. On XX/XX/2023, I called BMO customer service number and requested a summary of payments and a W9 to be mailed to XXXX XXXX. I received an email from XXXX XXXX ( XXXX XXXX ) to advise she had not received the W9. I also only received the latest statement.
Yesterday ( XX/XX/2023 ), I was on the phone a total of almost four hours and spoke with multiple people at BMO trying to get a W9 faxed to XXXX XXXX. The majority of people thought it was form to prove US Citizenship. I finally spoke with XXXX at BMO and she was a resolution manager. She advised she would fax the W9 to XXXX. I received an email from XXXX at XXXX to advised she had not received.
Long story short, I have documented several different times from BMO that they do not and will not send a W9 to XXXX XXXX so they can pay our loan off. I contacted Consumer Affairs and they advised I needed to file a complaint with your organization regarding this refusal to provide XXXX XXXX so they can pay our loan off and report this payment to the IRS.
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| 04/08/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Older American |
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on XX/XX/2021, I received a wire for XXXX. After, it had cleared. I withdrew the money. There was no indication. that they were suspicious of the deposit. I was given the entire XXXX dollars. Actually, I had no idea there was a problem, until I went to the ATM. and at the time I was unable to retrieve my money. Also, it should be noted, I have direct deposit, weekly. Several times, I have tried to contact the person in charge of my case. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX and this morning, I tried to contact the supervisor. But, I was put on hold too long. I am working remote. and I could not continue to hold. Presenting I have a balance over XXXX dollars. I have stopped my direct deposit. But, there are refunds, from products I have ordered and cancelled and I have no idea, where that money is. This morning I tried to remove XXXX from my XXXX account. I was told I could not, until the fraud issue is resolved. So, in summary, I was never notify of the fraud issue. They have held my money for a month as of around XX/XX/XXXX. No, XXXX responds for to my messages or calls. It is very hard to survive, since more since covid. I need your help.
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| 03/20/2020 |
Yes |
- Checking or savings account
- Savings account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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BMO advertised a {$500.00} bonus for their Checking and Savings, which includes a {$400.00} dollar bonus to open a checking account and a {$100.00} bonus to open a savings account within a time frame. Account was opened in person in XX/XX/2019, and the promotion code was put in by the banker and confirmed to be applied by her. A copy of the promotion terms and conditions was printed and provided to me at the time of account opening. I met all the requirements for the bonus, and only received {$400.00} for the checking account not the {$100.00} for the savings account. When called and inquired details, representative said it's because the promotion code was not applied when Savings was opened? And they can't do anything but to send my question to the banker who opened the account to resolve it. Time passed and nobody ever reached back to me, tried two more times including calling and online messaging them. They always promise to escalate it and have the banker reach out to me, but nothing never happens. I did a research online and found a number of other people were having the issue ( not receiving bonus and fail to pursue it even though all requirements are met ).
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| 09/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I took out a vehicle loan with BMO bank in XXXX. The car was registered to XXXX and I registered it in XXXX to XXXX. In XXXX I fully paid off the loan receiving the attached thank you letter and Illinois title for my car.
Two years since paying off my car, I'm told I can not renew my plates because my cars title is registered in Wisconsin and the title in my hands is void. The Illinois DMV only had so much information saying this new Wisconsin title was created in XX/XX/XXXX and that BMO was attached to this creation somehow.
Now my plates are expired while I'm running around between XXXX DMV, Wisconsin DMV and BMO essentially stuck in a circle of every place blaming someone else.
XXXX has stated that because BMO at some point requested a title back in XXXX it overpowers the new title I had made that has been valid for the past XXXX years. The reason it took up until this year to be published was it just updated in the " national database ''.
Currently XXXX is in the process of trying to void the XXXX title for me so it will make my XXXX title valid but the expenses are piling on as I don't have my own garage and the parking lot tows expired plates.
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| 10/20/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
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My account was overdrawn on XX/XX/2021 so I went to deposit money to take care of the negative balance after my work day. I made the deposit to my account around XXXX mountain time and then the following day I was hit with a NSF fee. I didn't care too much about it, but after figuring out I made the deposit before the cut off time I was a little perplexed. On XX/XX/2021 I contact BMO Harris around XXXX XXXX to get an explanation of why I was changed a fee, but the rep glossed over my question and asked, " why do you think you need the fee refunded? '' I was a little confused about the question so I asked her to repeat herself and sure enough she asked the same question and doubled down on asking me questions that were not related to my inquiry. I was put on hold, rep came back and negotiated a 50 % refund because of my account history. I told the rep I've never had a ODF or NSF fee before so she decided to pick at my spending habits.
My issue is, if my cash deposit was before the cut off time I shouldn't have been charged a NSF fee because I funding the account. Furthermore, I shouldn't be patronized by some bank rep about my beliefs on getting a refund, etc.
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| 07/12/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
Older American |
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On XX/XX/XXXX I spoke to a representative to follow up on recent payment made to my credit card with Bank of the West ending in XXXX. The payment was enough to pay my cash advance balance. He assured me that my request would be completed in a few working days. He also committed to reverse out the finance charge because we were paying off the entire cash advance off. Today XX/XX/XXXX we received our credit card statement and confirmed the expected action did not happen, I spoke to XXXX, supervisor on call. She explained that request was not an available customer payment option. This was not explained to me by the representative on XX/XX/XXXX. She commented that there was no record made of that conversation. I mentioned to her that conversations like this are important to document. I am a Vice President at XXXX XXXX in XXXX XXXX in California and been in the banking industry for over 40 years.
This I believe is not a Fair Credit lending best practice. In light of rising interest rates for credit cards. What they are demonstrating by their practices is that they don't have their client 's best at heart.
Please direct me on next steps. Thanks!
XXXX XXXX XXXX
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| 04/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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My original loan through BMO Harris- I can't gain online access to understand what the payoff information is and when I'm calling I'm transferred to a different phone number for collections. That company 's name is XXXX. Every time I'm transferred I wait on the phone for over an hour and a half. I asked over 10 days ago for my payoff amount because I want to pay off the mortgage and fall and pay off any annuities or legal fees prior to it going into foreclosure. In XXXX and XXXX there were presidential master of natural disasters for a flood and a hurricane in the area and then in XXXX in XXXX there was Covid. I have also asked for a loan modification or just assistance to avoid foreclosure and there's no phone number that you can call you have to call the BMO Harris number be transferred over wait an hour and a half and then they give you an email address to send your request into there's no accountability here and nobody returns the phone calls and nobody returns the email and they just argue with you when you're on the phone. You feel helpless how am I supposed to pay this in fall I have been trying for weeks now and I can't even get the payoff information.
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| 12/17/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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OnXX/XX/XXXXI acquired a HELOC in the amount $XXXX from BMO Harris bank to buy a property. When I applied for the loan the loan officer failed to provide me with my credit score. I believe I had a good credit score to qualify for a lower interest rate on may loan. I believe that the loan office abused my lack of knowledge of my credit score and sold me a predatory loan. I commenced paying on the loan for five years and the principle amount never decreased. Later on I found out I was only paying interest only. The terms were never explained to me and were very obscured. After making all the required payments towards the loan which ended on XX/XX/XXXX I received a letter from BMO Harris bank that we had to still pay them the amount of $XXXX. I explained that we had made all the payments to which they informed that payments were only to interest. I tried to enter into a payment plan as I did not have the full amount. BMO Harris was not giving me any affordable options to resolve the money owed.After requesting a copy of my documents such as payment history and copy of credit report used at the time of the loan, the bank refused to provide me with those documents.
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| 02/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I have had multiple issues with this car loan. They have taken extra money, said fees would be taken away due to bank error then kept the fees on the account, said they called me many times but I had no voicemail. My car was repoed due to all the issues, I had to pay money to get it out and then the fees that were waived are still on my account. Auto pay is set up and the first month it didnt get set up correctly, so my account went past due again. A supervisor fixed everything and then for XXXX the auto pay took out {$580.00} instead of the {$210.00} payment. Then someone else instead of reversing the charges, said a cashiers check for the {$580.00} mistake would be sent to me, and now my account is still past due and theyre asking for a {$210.00} payment. XXXX the supervisor told me that XXXX and XXXX payments and fees were taken out. This is not what I authorized to be removed. XXXX stated there are so many errors on this account I dont even know where to begin. I have a lawyer looking at this now. This has impacted my credit, which I disputed and it wasnt fixed, it is impacting my finances over and over and money is being illegally taken from my account.
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| 05/11/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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on or about XX/XX/XXXX my account was overdrawn. I froze it as there were XXXX XXXX XXXX charges on it that were fraudulent. Upon freezing it the bank blocked the child support deposit, but I stated I wanted deposit only -- which they failed to do. Upon doing that there were overdraw fees stapled with over XXXX of bank fees due to their mistake. I switched the monies over to different account. I tried to close it soon after, as I was getting notices again, of money being owed. On or about XXXX XXXX I had XXXX in that specific account. I called and tried to close it and they said it had a minimum of 6 months or fees would be put on -- I left the money in it ... now they are stating that I owe XXXX. XXXX with more fees -- and I have not used this account and it is still frozen. No monies should be taken out -- and no fees should be put on it. They have made so many mistakes, and I have spoke to numerous mangers and upper position bankers -- they returned and reversed monies more than once -- but continue to add fees and make mistakes. I believe now they submitted it to a collection agency. They are doing this with fraud and with mistakes it is not accurate.
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| 02/21/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
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I have an overdraft line of credit with BMO Harris Bank. I recently applied for an increase to the line of credit. I was told they have a whole new process for there applications. I called in a few days after I submitted the application and spoke with a representative about the status. He indicated that the application was declined ( despite my strong credit profile, income, & assets that includes several credit lines for several years of a similar size ). When I asked what the reasons were, he indicated that I would receive a letter in the mail in 7-10 days explaining the decline reasons. I asked if there was a way to appeal as this was a judgmental lending decision ( meaning it was manually reviewed ) and that I have several pre-approved offers on there website for other lending products. He said no.
Today, I received the letter from BMO Harris Bank that simply states that my application was declined and that if I wanted a reason I would have to call in to customer service and request the reasons be provided. I already did this onXX/XX/XXXX and this is the letter that they sent which does not provide me any detail other then I have a good credit score.
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| 05/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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I financed a vehicle back in XXXX of XXXX a XXXX XXXX XXXX XXXX, for {$46000.00} when I purchased the vehicle from XXXX XXXX XXXX the dealership presented us with the car fax and showed that the vehicle had no accidents, the car was in " perfect condition ''. They also preassured us to financed the vehicle with the banks they offered, BMO Harris Bank. Recently we tried to do a trading on the vehicle, with a different dealership they checked the car history and it present that the car has been in an accident in XXXX. We tried going back to the original dealership where we purchased the vehicle. They essentially sold us a vehicle for a lot more than what it was worth and covered up that the vehicle had been an accident. The dealership told us there's nothing they could do about it. We spoke to the dealership manager and asked if he would've sold the vehicle for a lot less knowing that it had been an accident, his answer was yes. He blamed it on XXXX and then he proceeded to dismiss us by mention that vehicle might off or might not had an accident but the car in fact had a sever accident in XXXX in Michigan, there's police report, on record of this vehicle.
|
| 12/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
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|
Web |
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On XX/XX/2023 I booked a vehicle rental through XXXX paying {$1000.00}. On XX/XX/ I went in to get the vehicle and had a deposit snag at XXXX because my license had the incorrect number on it from XXXXXXXX XXXX XXXX ( I submitted a picture of my ID to XXXXXXXX XXXX XXXX ). A XXXX associate had to put the correct License number in the database at the time I was checking out. XXXX had previous information that was still not updated or correct, so I was on their " XXXXXXXX XXXX XXXXXXXX XXXX '' list. This now was put in the XXXX system during my checkout. I was told to call XXXX up at the desk to sort out the situation. I spent a good amount of time that day on the phone with XXXX and reaching out to XXXX XXXX. When the refund was denied I told my Bank ( Bank of the West ) what happened. Then XXXX XXXX from Bank of the West reached out to me and asked about my situation. After I sent him the information an Adjustment Credit of {$1000.00} was added on about the XXXX of XXXX XXXX The Investigation was started on the XXXX of XXXX. On the 96 day after, XX/XX/ BMO Did a provisional credit labeled as XXXX Liable Debit Transaction to my account of - {$1000.00}.
|
| 07/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
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|
Web |
Older American |
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I am very surprised, because I have been a member of Diners Club since XXXX XXXXXXXX of 1987, and I had never experienced this kind of treatment, but excellence.
I was having a positive balance and Diners Club according to its general policy have removed the positive balance of {$95.00}, however this time they never mailed me the refund check.
After, calling upon them the representatives on the phone informed me that they can not resolve it, but an Affidavit form will be sent to my e-mail, XXXX. I never recived such an email and during my calls to customer service, I started to feel unfomfortable, because the department issuing the refund was not related to the customer service 's task. I was constantly told that they have been sending the affidavit, which did not land in my email box, ever.
After, filing the complain # XXXX at CFPB, I assumed the check will be mailed. It did not arrive, and it has not been deposited or cashed. I do have a question : " why are they playing this game? Again, customer service told me that they can not issue the refund check ; it is dealt with another department and I have to wait. I have been waiting, please, help me.
|
| 03/11/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
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On XX/XX/XXXX BMO Harris paid on my behalf {$2300.00} to XXXX XXXX, for my home loan. This payment was made by mistake, as the XX/XX/XXXX house payment was made XX/XX/XXXX.
Calling BMO customer service, I was told due to insufficient funds, the payment would be returned to my account XX/XX/XXXX. At this time, I was told the issue was resolved, and no further action was required.
XX/XX/XXXX, the payment was processed again, causing yet another negative balance.
A stop payment was issued on my behalf by the XXXX XXXX BMO branch.
XX/XX/XXXX, the payment was processed again, causing yet another negative balance.
Recapping : BMO Harris sent money on my behalf 3 times, without my permission, ignoring my request to cease.
BMO continually put the blame on XXXX XXXX XXXX, though in fact they had nothing to do with the issue.
19 phone calls to BMO, a total of over 9 hours of time on the phone.
5 phone calls to XXXX for a total of 1 hour.
5 separate days with no money available in my account.
At times, rude treatment, especially from BMO bill pay department.
Key contacts with BMO XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( no last name ) bill pay manger
|
| 04/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I bought a new XXXX XXXX XXXX XXXX - VIN # XXXX in XXXX of XXXX and the lender XXXX referred me to finance the car was BMO Harris Bank. I wasn't happy with the interest rate, so I refinanced the loan with XXXX XXXX XXXX.
XXXX sent a check to payoff the loan on XX/XX/XXXX and the loan was paid in full. Since then, BMO Harris Bank has refused to send me the original title and also have refused to send me the original lien release.
XXXX XXXX XXXX is now asking me why their name is not listed on the vehicle registration. I have tried on multiple occasions to call BMO Harris Bank and they have refused to help me with my requests.
I also talked with XXXX XXXX XXXX and they said that it is my responsibility to get this corrected but I have no control over BMO Harris or their business practices.
XXXX XXXX has threatened to raise my interest rates and/or take further legal action against me if they do not have their name listed as an additional interest as a lienholder on the vehicles registration.
I can really use some help in obtaining assistance in order to obtain original copies of my title and an original lien release from BMO Harris Bank.
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| 10/21/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
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Web |
Older American, Servicemember |
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On XXXX XXXX my wife and I opened an account with BMO Alto for a CD. I filled out the online form to have me as the primary owner, and my wife as a co-owner. BMO opened the CD after I had funded it from a BMO checking account. They emailed my wife an invitation to become a co-owner. She filled out the required form online, but BMO rejected her as a co-owner. We have called BMO Alto twice to resolve this issue to no avail. We never would have opened this account if we knew we could not both be owners. This is my wife 's money as much as it is mine, and it is not right that she can not have access to money which is hers. If I were to become sick or otherwise unable to manage the account, she would need to have access to our funds. BMO has refused to reconsider its decision on this, or to give our funds back to us, or even to give us a reason for the denial. The BMO customer representative who we talked to yesterday, XX/XX/2023 said she was referring our complaint to another level, but could not guarantee that a person would get back to us. We want our money returned to us without penalty, or my wife added as co-owner, as BMO offered on their website.
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| 10/28/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Can't contact lender or servicer
|
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Web |
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Entered into a loan with a different lender. Without proper notice or disclosure that credit and personal info was being released to this lender and sold, this is a violation of my privacy and a violation of original contract by original lender. B.M.O has hung up the phone disregarded my rights as a consumer. B.M.O. has refused to furnish any contract with my mark on the authorized representative line showing that I agreed to do commerce with this commercial entity. The original contract was paid in full or satisfied at the time original lender breeched purchase order and privacy agreement in the commercial transition between Bank of the West and B.M.O. All this was done without my knowledge or consent and without written permission from authorized representative known as XXXX XXXX. B.M.O. is holding and not processing payment instruments issued to original lender, from invoices from original lender that had my mark on authorized representative line in original purchase order consumer credit transaction and billing me without contract in the same month. There are late payments on my credit without written consent this is a violation of my rights.
|
| 11/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
Purchased camper on XX/XX/2023 and BMO Bank NA funded the loan on XX/XX/2023. First payment of XXXX was due on XX/XX/2023, we paid XXXX on XX/XX/2023, whole amount was applied to interest only. Next payment was due XX/XX/2023 and we again paid XXXX on XX/XX/2023 and whole amount was applied to interest only, even though additional was paid per the truth in lending disclosure and payment coupon book received by BMO. Spoke with customer care and they denied me to pay any principal of the loan. They refused to give me any information on the loan and transaction history as well. Paid another XXXX on XX/XX/2023 and that was applied to interest only as well. They will not authorize any of money paid by us to be paid towards principal with no explanation as to why. We will never be able to touch the principal of this loan at this rate with interest accruing and no principal being paid and we have paid a total of XXXX only towards interest as of today per BMO. BMO has charged interest before the loan was funded and refusing to apply any portion of any payments to principal. I have called repeatedly to customer call center with no answers or corrections.
|
| 07/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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|
Earlier this year, the escrow amount due on my account was updated and now written notification of the change was received. This resulted in my auto payment short falling a small amount ( around {$200.00} ). As soon as I was made aware of it by the bank ( who called from a number my cell carrier said was a 'spam call ' ) I paid it in full and adjusted my payment amount. I also notified them that I had never received the proper paperwork for the escrow change. They agreed to remove all late fees and set the account to current, and that their escrow department would reach out to me in the near future.
This month, I began the process of refinancing and found out that the bank reported that my mortgage was past due, ruining my credit score and making impossible for me to refinance at the rate I deserve. Because of the way the bank does not apply partial payments, it looked like for short period that my loan payments had been missed entirely. This has never happened.
It should be noted that I had almost the exact same problem with them previously and that it did not get corrected until I filed a report with the CFPB, so I am doing so again now.
|
| 05/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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this Bank of the West credit card is third class credit card and a third class bank, I did report a matter to the Bank of the West and I received a call back from customer service, but rather than apologizing they were arguing with me.
The thing is that bank of the West needs the customer to verify a code which they sent on the customer 's phone when the customer calls the customer service phone number, and if the customer is not able to receive it, they refer the customer to the branch. so this is highly uncomfortable for the customer to go branch for every small matter, I already called Bank of the West XXXXhree times And each time I get so frustrated that like banging the head on the wall. I had two disputes on two different charges with Bank of the West, I called customer service and just like always, they refered me to the physical branch, I sent them a message in the message section of the App and I got a reply that they need my physical signatures to dispute those charges, since then 14 days have passed and I still haven't received any letter from them, I did write to them on the App message section again but they failed to respond.
|
| 11/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
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Web |
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Filed Chapter XXXX Personal XXXX in the State of Wisconsin. Court Order for Payment plan submitted and accepted by all creditors. Bank Creditor is not reporting payments made, just reports payments not made or marks account as a charge off. This is false. The account is not a charge off. The account is being paid, monthly by the Court Appointed Trustee. Creditor continues to charge penalty and interest and fails to report payments made by Trustee for Debtor. Balances are still incorrect on reporting. Debtor has submitted all records of payment to Bank Creditor. Spoke with Bank Creditor twice. They said they would fix the account. Received an email from Bank Creditor stating someone would be in contact. None of this has happened to date. This has been ongoing for well over 10 months. I have proof of payments, Court Order, etc. and communications with Bank. Just because they are a Bank providing a bank-issued credit card doesn't mean they can be selective in their reporting. If they can report negative items, they can also report positive items. They have failed to report payments for the past 10 months. False reporting. False account totals.
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| 09/24/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I purchased a 5 year ARM mortgage with BMO Harris on XX/XX/XXXX. The purchase price of the house was {$260000.00}. I made a down payment of 10 percent and took a loan of {$240000.00}. I was told that my PMI would be automatically cancelled as soon as my loan to value reached 78 percent. That seemed to be true from the contract I signed. The contract said, PMI will automatically terminate on the day the principal balance of your loan is first scheduled to reach 78 % of the original value of the property provided your loan payments are current. This date is XX/XX/XXXX. There is no mention on how any extra payment would be handled.
I paid extra almost every month towards the principal. Now my Outstanding balance, as per Bank 's own statement ( {$200000.00} as of last statement ), is less than 78 percent for last few months. But Im still paying PMI. BMO-Harris is not considering the extra payments I made towards principal. I think that against CFPB norm/rule, as per CFPB website itself. I tried to resolve the issue many times with the bank. But the bank insists that I have to pay PMI till XX/XX/XXXX. My 5 year ARM term would end on XX/XX/XXXX.
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| 05/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
Older American |
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I have an excellent credit record. Usually, I schedule my credit cards payment ahead of time on the computer, to be paid on the due date. Back in XXXX, I schedule the payment of {$4500.00} to be paid on XX/XX/. On XX/XX/ I checked my bank account and found that the money was not withdrawn. This credit card bank has a problem with their website. I had a similar problem with them in XXXX last year. They recognized the problem, and I was credited with the late fees and interest. This time I called the bank again and explain the same problem. I paid over the phone immediately. The representative acknowledged the problem and told me to call after I will get a statement and they will remove the late charges and interest fees.
I was upset with this situation and canceled this credit card. I have quite a few of them and never had any problems with the websites of other banks.
On XX/XX/ I got the statement with {$39.00} late fees and {$73.00} interest fees, I called the bank and they refused to correct those fees based on " it was done ones in XXXX. '' If their website is not working properly why the customer must pay for it??? This is ridiculous!
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| 04/08/2022 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On XX/XX/2022, my husband and I applied to BMO Harris for a mortgage loan for fha due my my lower credit score of XXXX, we had already been in the market looking at other banks so I know what my mid scores are and I figured I worked for this bank and they have special discounts for employees, so we wanted to apply. As always I do my research to see what banks credit score requirements are for fha loans, and on BMO Harris website, it states a minimum score of XXXX ( I have that ). So we applied! I got an email from a loan officer by the name of XXXX XXXX, that said, Unfortunately my score is a XXXX ( this I knew already ) and it has to be a XXXX. I then responded even for fha loans? She replied, yes if Im a first time home buyer I need a XXXX. I then proceeded to tell her that BMO website stated otherwise which showed a XXXX credit score and advise her that if that was a requirement that should have been stated in the website where I would have reconsidered applying knowing that I dont meet the requirement and would have never took the time to apply and have my credit ran for a another ding to my credit report! She had yet to respond back!
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| 04/09/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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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.
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| 06/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
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Web |
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I made an insurance claim on damages to my home from a storm. I received a check for {$10000.00} from XXXX XXXX. XXXX banks with XXXX XXXX The check was made out to me ( XXXX XXXX XXXX, but was to be endorsed by me, my mortgage company ( XXXXXXXX XXXX ), and my private adjuster. I never got the check in my mailbox and it was lost in the mail I assume. I later found out that my check was cashed with a BMO Harris bank in XXXX XXXX Florida. I never have banked or have I done any business with BMO Harris Bank in the past. I responded to the bank and talked to a bank manager. The check was not endorsed by required parties, but was cashed. I never authorized this and received no funds. I reported this with a fraud affidavit with XXXX XXXX. BMO Harris bank is not responding to my insurance company or XXXX XXXX. I dont know who got my funds, but I do believe they cashed the check because the party had a BMO Harris checking account. The check was fraudulently cashed in early XXXX of 2023. I made a formal complaint to all parties in XXXX. I have sent numerous emails, spent hours on hold with BMO Harris fraud department and have gotten nothing.
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| 11/27/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
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Web |
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On XXXX, I opened a high interest savings account with XXXX XXXX with {$12000.00} put in. On XXXX, I received an email stating that my account was fully funded. I checked the account ( online only ) on XXXX and saw there was nothing in there. No funds, no pending transactions... nothing. So I made another transfer for the same amount ( {$12000.00} ). Still nothing pending. On XXXX, XXXX XXXX withdrew {$25000.00} from my checking account ( XXXX XXXX XXXX resulting in a {$2500.00} overdraft. On XXXX, {$12000.00} was returned to my checking account. On XXXX, when I could still access my account, I attempted to make another {$2500.00} transfer but was denied because my account had been frozen due to " fraud. '' I have made repeated calls to the only customer service line available, and have received no answers. All I have been told is that someone from fraud will be calling me or I can call a fraud department number. Unfortunately, every time I call it immediately goes to voicemail, and also says that the mailbox is full. It has been almost three weeks since my account was frozen and I have received no help, no updates, and no anything.
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| 10/19/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Unable to open an account
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Web |
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As of XX/XX/23 BMO XXXX is advertising a 5.20 % APY 6mo CD and 5.50 % APY 12mo CD. I already have a 6mo and 12mo CD with them as well as a HYSA. I applied to open another of each and was declined. In the email it said information may be entered incorrectly and to try again. I reapplied to the same CDs and was declined again. I contacted BMO XXXX over the phone. Their representative told me to generate a consume report with XXXX to verify my personal information matched. I did this and everything I submitted previously matched the report. I resubmitted my application and was denied again. I called them back and the representative said they did not know why the application was denied and there was no path forward. Frustrated with this I called again and was given the same answer that they do not know why it was being rejected and could not escalate of fix the issue. Again I already have 3 accounts with them and ~ {$50000.00} in assets with them. I can not understand why they would reject my application and apparently they can not justify the rejection either. It seems fraudulent to advertise a rate that isn't actually being issued.
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| 10/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
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Web |
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On XX/XX/2022 I called the bank because there were two XXXX transactions sent from my account to a previous account co signer who was supposed to be removed in XX/XX/2022. I called the bank regarding this error and to my surprise they didn't resolve my issue, stating it was a joint account. The person was supposed to be removed and no longer have access to the account. I have filed several disputes because of this person and was told they would no longer have access. I was not told by the representative at the time that at new account needed to be made in order for this person to no longer have access. The bank no longer wanted to assist me. There were two transactions total in the amount of {$300.00} and {$500.00} to XXXX XXXX. I asked to speak with a higher up regarding this matter because I was not informed and was told to walk into a branch to handle this matter. The error was on the customer service representative that I spoke with at the time. I have attached service dispute letters from previous transactions that was credited to my account due to this person using my information. And even then no one advised a new account.
|
| 01/05/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
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Web |
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The loan is for a remodeled kitchen. The loan was entered into on XXXX, with first payment due XX/XX/21. The amount was $ XXXX with 7.6 % interest.
It was communicated to us that the loan can cover any physical goods ( i.e. Kitchen Cabinets, appliances, etc ), and the work or the labor for the remodel.
Cabinets were ordered immediately. They were approximately $ XXXX The cabinets first arrived in late XXXX, but a few were damaged. The replacement ones came in early XXXX.
The first day of labor was early XXXX.
During this time I have been charged interest on the $ XXXX. Even though from XXXX to early XXXX, no labor was performed. I expected to be charged interest on the $ XXXX for the cabinets but not the $ XXXX as no work had started.
As we went through XXXX and as recently as yesterday, work is promised then cancelled ( usually without any courtesy cancellation call/text/email ).
Delay after delay. No urgency. All the while I'm charged appx {$300.00} a month in interest, or {$2100.00} through XXXX. I feel I should only have been charged $ XXXX 7.6 % /12*6 = {$570.00} for the purchase of the cabinets.
Thank you, XXXX
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| 08/12/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
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Web |
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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.
|
| 12/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
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Web |
Older American |
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On XX/XX/XXXX we decided to pay off our mortgage loan with BMO Bank formerly known as Bank of the West. I called the BMO Bank in XXXX, Iowa for the payoff amount. The clerk called BMO and was given the amount and she called me with that amount. I took that amount and deposited it into our checking acoount which they were to withdraw the entire amount from there to pay it off. I was informed that it would be taken care of. Two weeks later I went over and closed my checking account since everything was paid off. The clerk said everything looked like it was all paid and therefore checking account did not need to be left open anymore, and she refunded the money to me that was left in that account.
I then received a statement stating I owed {$93.00}. I called the XXXX branch and they was going to check on it and get back to to me but never did. They had access to withdraw the entire amount like they was instructed to, now they are saying I owe this plus NSF charge because account was closed. I don't feel I should have to pay this, they were to take the entire balance out at that time and it's not my fault they didn't. Please advise
|
| 04/02/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
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|
Web |
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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.
|
| 04/28/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
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I opene d a BMO Harris Money Market accou nt on XXXX XXXX , XXXX . I was to receive a bonus of {$200.00} for keeping {$10000.00} in the account for 90 days. This bonus was to be paid within 120 days of account opening. I met the bonus requirements. As of today, XXXX XXXX , XXXX I have not received the bonus. The bonus was to be paid by XXXX XXXX , XXXX . I contacted the company via secure message on their website on XXXX XXXX , XXXX , inquiring about when I will receive my bonus. This was their response : " Please know that the marketing team reviews accounts after they have been open for 120 days. If you have fulfilled the new account bonus requirements, they will typically deposit the new account bonus withi n ten busine ss days. Due to the high demand for the new account bonus, the marketing team has been running two to three weeks behind schedule. If you can provide us with the new account bonus code utilized when you opened your account, we will be glad to escalate your account to the marketing team for review. I hope that this information is helpful and do apologize for any confusion or inconvenience. ''
|
| 07/04/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
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Our business account at BMO Harris was accessed by an individual that was given permission to make telephone transfers. This person, XXXX XXXX XXXX is unknown to us. Over the course of several months, they had the ability to mirror our payments to some of our ACH withdrawals such as XXXX, XXXX, XXXX XXXX.
We have already filed complaint XXXX. Their response was that we did not respond in a timely manner. We were unable to do this because the transactions were so similar to our own. BMO completely ignored the fact that our complaint was based on the fact they allowed a signer to be added without our permission for telephone transfers. This is according to their own computer records. We have attached a screenshot of this which was taken in their branch at their computer.
BMO needs to respond to the fact that they allowed this unknown person to make telephone transfers on our account. They also need to take responsibility for exposing us to this type of fraud. When asked directly about this, they told us that this person was no longer at the bank. Does this mean that they worked at the bank and had access to all of our accounts?
|
| 04/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
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There's a total of 7 unauthorized transactions I disputed with Bank of the West ( recently joined BMO ), totalling {$1200.00}. The first transaction was made on XX/XX/XXXX and was in the amount of {$45.00}. On XX/XX/XXXX there were three more transactions. Those were in the amounts of {$100.00}, {$100.00}, and {$300.00}. Yet again, on XX/XX/XXXX there were three more transactions for {$500.00}, {$85.00}, and XXXX. All of these transactions are from the same merchant that I have never purchased from or used or been to their property ( XXXX XXXX ), they tried telling me that it was me or someone authorized to use my card when I specifically told them my card was stolen and nobody had access to my pin. I have no idea how someone would do that but my best guess was a card shimmer ( I did some research to see what could've happened ). I had to borrow money to pay my rent because my money was taken. Right before the XXXX of XXXX. I already tried to get my money back from Bank of the West, but they denied my request and said I wouldn't get any money back at all. Thank you to whoever is reading this, I truly do appreciate everything.
|
| 02/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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On XX/XX/2020 XXXX XXXX XXXX, delivered a check for {$610.00} to BMO Harris Bank for my car payment loan account. I had automatic monthly payments set up from my bank to BMO but kept getting late payment notices and after some research discovered one of the checks my bank sent was not applied to my account.
After numerous calls to BMO and my bank BOA, I obtained a copy of the check which clearly shows BMO cleared the payment at their bank on XX/XX/2020. I have spoken to least 18 different people, ( but could never speak to a manager ), and several at my bank. I was told by BMO 's agents, " the {$610.00} was sent back to my account where it came from '' ( its impossible, they don't have my banking information to make a deposit into my account ), I was told " a check was in the mail '', when I asked why are they sending a payment back I'm trying to make on my account, I was told " I'm just giving you the message I received from a manager '' ; I was told to " wait until they investigate where the money was credited at BMO 's bank ''. Its been 7 months and after more calls to BMO Bank, this issue still has not been resolved.
|
| 11/13/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
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Web |
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We have a lawsuit in process against our mortgage company and my attorneys need copies of selected cleared/cashed checks for evidence in our legal suit. The decision was made for us to retrieve said check copies because it would ( should've ) be easier and a more convenient option. However the process of obtaining these check copies from our local branch has been unsuccessful. For the past 2 months my wife and I have been calling and visiting our local branch in XXXX Indiana consistently explaining how important these check copies are only too be ignored. We have spoke too both managers at our local branch in XXXX Indiana and they tell us they are working on our request but keep coming up with nothing. I personally told one of the managers they are WITHOLDING evidence to a legal case and my attorneys are needing these check copies ASAP and that has not helped at all. We are currently waiting on a call back from one of the managers that we were told would happen 4 days ago, still haven't gotten that call back. We have even offered to provide a fax number and email address to receive said documents and the managers declined.
|
| 10/28/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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TO WHOM IT MAY CONCERN, I FILED MY TAXES ON XX/XX/2020 THROUGH XXXX. THEY WERE ACCEPTED BY THE IRS ON XXXX XXXX. MY FEDERAL RETURN AMOUNTED TO {$1000.00} AND MY STATE {$110.00} IT STATED THEY WERE GOING TO BE DIRECT DEPOSITED INTO BMO HARRIS BANK CHECKING ACCOUNT # XXXX AN ACCOUNT NUMBER THAT DOES NOT BELONG TO ME!! THE CORRECT ACCOUNT IS # XXXX. I WENT BACK AND FORTH WITH THE IRS AND BMO HARRIS BETWEEN THE LAST 6 MONTHS TRYING TO RESOLVE THIS AND EACH ENTITY TELLS ME ITS THE OTHERS FAULT. IF MY NAME ON THE CHECK DID NOT MATCH THE NAME ON THE ACCOUNT WHY DID IT GET PUT INTO THAT ACCOUNT AND ACCEPTED BY BMO HARRIS BANK?!?! IT SHOULD OF BEEN SENT BACK TO THE IRS SO THEY CAN ISSUE A PAPER CHECK PER THE REP AT THE IRS. THE REP AT THE BANK AND BRANCH MANAGER TOLD ME THERE IS NOTHING THEY CAN DO NOW THAT THE MONEY HAS BEEN ACCEPTED AND THAT THERE IS NO ACTIONS THEY CAN TAKE TO HELP ME. I AM GOING TO NEED TO TAKE LEGAL ACTIONS NOW AND SUE BMO HARRIS BECAUSE THIS IS ABSURD. THIS IS VERY SKETCHY AND I NEED THIS TO BE RESOLVED ... YESTERDAY!!!!
PLEASE HELP ME SOMEONE!!!!!!!!!!! I WILL TELL EVERYONE NOT TO USE BMO HARRIS BANK!!!!
|
| 11/13/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
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They have been trying to corner me to send my notarized photo ID in because I failed a voice password verification about three months ago. Having failed to forcibly extract that information ( which no other bank or credit card company I've dealt with has come close to requiring ), they have decided to XXXX with my online banking -- I can't even log in and make my minimum payment, because it says the password is incorrect, and when I try to reset the password, they say that the information I put in it to obtain a new password ( my email and my social security ) is wrong. Which is more likely -- that I don't know my email and my social security number, or that they just REALLY want to forcibly extract my photo ID from me, and they're making things more and more difficult for me ( when they locked the credit card, I had decided that I would just make the payments, and never use the card again ) in order to do that? What kind of insanity is this? Why can't they settle for a 2FA like every other credit card or bank? What are they planning to do with my information that they NEED it SO BADLY? It's extremely worrisome.
|
| 11/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
Older American |
|
On Monday XX/XX/XXXX I noticed two fraudulent charges on my Diners Club account. Reported them and was told my account would be locked and a new card issued. Would have it by Wednesday or Thursday. It never arrived. When I called was told there was a delay in XXXX and that a manager would call me back. At the end of the day when I had not heard from the manager I called again. Was told I should track the cardthough no one had given me a tracking number. I was then supplied with that and when I contacted XXXX they saidyes, a label was created but that Diners Club had never shipped anything. I called Diners Club again on Friday the XXXX and was told so sorry your card was never made but was going to be made on Friday and the a manager would call back with XXXX info. No call. Called Saturday morning, no card has been made, no explanation, a manager will call when they have some. Asked to speak to the manager and was denied. Tried to get online into my account only to find that I am now locked out of it. I have been on hold for over an hour now. I have been a member since 1999. Always pay in full. This is shameful.
|
| 10/01/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
1 I opened a Savings Account with BMO Harris Bank on XX/XX/XXXX. A initial deposit by check of {$5000.00} was sent to them on XX/XX/XXXX. The check was paid by my Bank on XX/XX/XXXX. Now BMO Harris has put a hold on the funds until XX/XX/XXXX which is 12 days AFTER my Bank disbursed the {$5000.00}. In the meantime the money is idle and not earning interest. This hold of 12 days is excessive and abusive.
2. The interest is not posting as of the end of the month as it is customary with all Banks. BMO Harris says it will show the interest posted at the end of the monthly cycler.
3. To talk to a human at BMO Harris takes usually 30 minutes or more on hold. UNACCEPTABLE!
4. Communications by email go unanswered.
5. When you ask to talk to a responsible Manager you are not allowed and given a runaround.
In my opinion, this Bank is a SCAM and should be investigated by Federal Banking Authorities. I have now made a 2nd deposit of {$5000.00} via on-line transfer and they don't even acknowledge that 2nd deposit. I am very concerned that my {$10000.00} will be lost!
Please investigate and let me know!
Thank you.
|
| 07/11/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
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Hi I am writing to complain about some money that I lost in a BMO Harris account. I tried to make two payments for my auto insurance to XXXX XXXX. After almost a week my XXXX XXXX account still have not received payment. I contacted XXXX XXXX and got to run around so I just put a stop payment on both payments. I was then charged for for total stop payments. The amount in question is around {$800.00} So then I tried to initiate two more payments to XXXX XXXX. The money was again deducted from my account but XXXX XXXX never received the payment. I never saw the deducted amount again and I finally had to close my account with BMO Harris because I was afraid that after being double-charged and losing money that they would do something even worse. I have contacted BMO Harris and they do n't know anything about the {$800.00} which was deducted for a second time and never paid. They just state that it was covered by the original stop payment. So somehow I think they were applying to stop payment to my second attempt at payment and then deducted the funds and just plain lost them. Please advise and thank you XXXX XXXX
|
| 04/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Property Jointly Owned on XXXX, Hawaii since XXXX. In XXXX and XXXX was a Presidential Declared Disaster Area due to XXXX Hurricane and XXXX Flooding. In XXXX and XXXX CARES/COVID.
Further to compound things the other individual XXXX XXXX XXXX '' filed XXXX XXXX Bankruptcy which was XXXX on XX/XX/XXXX leaving me solely obligated.
My main concern on both is that even though XXXX sent in Chap XXXX Discharge info and FED Form XXXX to XXXXXXXX XXXX XXXXx XXXX XXXX XXXX XXXX and to XXXX bank XXXX XXXX XXXX XXXX XXXX - none have updated their records and all still show him as an obligator. This makes funding a payoff difficult as 3 years later after discharge I can not do anything with his name on loan and title.
We ran a preliminary title report and the State hasn't updated the Deed/Title removing his name either. See schedule J of his filed documents and discharge info sent to them on XX/XX/XXXX from US BANKRUPTCY COURTS. Attached are the US BANKRUPTCY court documents showing notice and showing the approved discharge on XX/XX/XXXX. Please update your records so I can continue to move to avoid foreclosure!
|
| 10/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
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I made a check deposit into my bmo account. The check was made out to me and XXXX. I deposited the check with only my signature not noing I needed XXXX signature but they excited the check. ( bank, teller error ) I was pulling money from the account just fine until I decided to withdraw a large amount. Thats when the bank manager of the bmo Harris bank told me the problem. She said that she put a hold on my account. What now I asked? She said she need a endorsement from XXXX before she can release my funds. I then got on the phone with XXXX XXXX. XXXX said that they can't do nothing unless its the original check from my insurance Company and wasn't willing to do anything to help me. I then informed Bmo Harris Manager and she said the there is nothing she can do. That she couldn't return the original check because it have already been deposited and I can't get my funds for 10 years.
This have caused me to lose my Company to close down my employees to quit because u couldn't pay them and cause me to get behind in bills ( financial lose because of this bank error ) My name is XXXX XXXX my phone number is XXXX
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| 01/26/2024 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Older American, Servicemember |
|
SUBJECT : Follow-on Complaint to CFPB Complaint # XXXX.
# XXXX was closed in error, in consideration of BMO Alto 's failure to release all Funds owed to Customer.
COMPANY : BMO Alto, a trademark of BMO Bank N.A., XXXX, XXXX ACCOUNT TYPE : Savings, toward opening a CD XXXX : BMO Alto refused to release information to Customer. Customer has demanded, but to-date BMO Alto has failed to : 1/ Immediately transfer the total of all interest earned by Consumer 's funds to Consumer 's Institution of-origin : " All in Credit Union '' 2/ Provide e-Mail notice to Consumer of the amount of interest earned by Consumer 's funds per IRS requirements : -- During XXXX XXXX During XXXX 3/ Notify Consumer, within a timely manner, that Consumer 's BMO Alto account ( s ) is/are finally Closed.
4/ Provide correct information in its response to Consumer 's original Complaint # XXXX.
5/ Return {$31.00} Fee the Company removed from Consumer 's attempted Wire transfer funds, then Company denied -- toward returning {$31.00} to the originating Institution.
Thank you for your continued interest toward amicable, final Resolution.
|
| 10/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have a car loan through BMO Harris Bank. I have set up an auto debit withdrawl through them from my private checking account with XXXX XXXX each month for XXXX XXXX to go towards my car loan. The XXXX XXXX was automatically removed from my account as usual on the XXXX of the month this month. I then had an additional XXXX XXXX removed from my XXXX XXXX account by BMO Harris 4 days later on the XXXX. XXXX confirmed that this was done by BMO manually by using my routing number for XXXX. I have called BMO harris to report this and was told an investigation was going to start and a supervisor would be calling me in 2 business days. No one called. I called again today and was on hold for 1.5 hours + and was transferred to 5 different people and all of them answered the phone then transferred me to another person and gave me no information and I never was able to speak to a supervisor or anyone at the fraud department. I emailed them copies of the XXXXXXXX XXXX statements two days ago as well and one person today who I spoke with said he doesn't see any incident report opened or any investigation started.
|
| 04/15/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I have a checking account with BMO Harris ( the bank ) and am required to maintain a balance of at least {$2000.00} to avoid a monthly charge. I looked at my account online this afternoon and discovered that the bank assessed a {$15.00} charge to my account on XX/XX/2017. I contacted the bank and asked the customer service representative ( the rep ) with whom I spoke the reason for this charge. She stated that it was due to my account balance decreasing to less than {$5000.00}. I informed her that I received a notice two or three years ago stating that I must maintain a balance of at least {$2000.00}, but that I was unaware of the requirement to maintain at least a {$5000.00} balance. I asked her when my account terms changed and when the bank issued the notice to me. She reviewed the account further and confirmed that I was only required to maintain a {$2000.00} balance. She stated that the fee was assessed in error and that she would reverse the charge. However, I believe this error, without the rep even understanding why it occurred, reflects a major flaw in the bank 's compliance management system.
|
| 06/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/XXXX I reported 12 fraudulent charges over a 3 day period from my Bank of the West debit card totaling {$710.00}. I reported these fraudulent charges virtually through my Bank of the West account portal, then orally with a Bank of the West representative and then physically through a mailed affidavit requested by Bank of the West.
On XX/XX/XXXX I received noticed via mail that Bank of the West deemed the charges as authorized. I called the Fraud Prevention Analyst. XXXX, from the notice letter to understand how the investigation deemed them as authorized. I was told that since I still had the card in my possession and it was not reported as stolen that it was deemed authorized. Knowing my rights, I requested the information used in the investigation.
I left 2 follow up voicemails with the analyst which were never returned. I finally got in touch with the analyst on XX/XX/XXXX and again requested the information used in the investigation. He said that it would take 90 days for me to receive the reporting.
It's XX/XX/XXXX I have yet to receive any information used from the investigation.
|
| 01/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
On XX/XX/21, I received email notification from XXXX XXXX about a " hard inquiry '' and new credit card that appeared on my credit report. I signed into my XXXX XXXX account and determined that my credit score had decreased by XXXX points and a credit card was obtained fraudulently. I filed a dispute with XXXX XXXX and contacted the bank, BMO Harris BK at XXXX at XXXX and spoke with XXXX XXXX XXXX informed me that there was one credit card with a limit of {$6500.00} and {$0.00} balance, as well as several deposit accounts listed under my name and last four digits of my social security number. XXXX emailed confirmation of my call along with instructions for further investigative requirements through the XXXX police department and Federal Trade Commission. I filed an online police report ( Tracking number XXXX ) and spoke with an officer in the Fraud Department at ( XXXX ) XXXX and was given a police report number, XXXX.
I am filing a complaint to contest the fact that BMO Harris Bank allowed the fraudulent deposit accounts and credit card to be opened without proper identification and verification.
|
| 10/17/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I contacted BMO customer service and requested that my accounts be frozen because my purse had been stolen out of my car. Several hours later someone using my ID deposited two forged checks totaling {$8700.00} into my savings account and then were allowed to withdraw {$7000.00}, even though my accounts should have been frozen. Since then my account has actually been frozen and I have had XXXX access to the amounts in the account. I have spent at least six hours making various phone calls to customer service. I was finally given an Affidavit of Forged or Altered checks form but have been unable to send them the form because the email customer service gave me is incorrect, even though I tripled check with them the email. I've currently been on hold with customer service for the last 45 minutes, so now I am at seven hours of my time wasted for their mistake. I was also told that their investigation can take up to 190 days, which means I have no access to the funds that were in that account. It has been almost thirty days and I still am unable to even get them to start the investigation.
|
| 06/03/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
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.
|
| 12/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American, Servicemember |
|
i received a check from someone to repay a loan that i gave them. i deposited the check into my account only to have the bank tell me that the check was no good, i did not know that the check was no good but since that time they have since put my account in a credits only status and wont let me hae access to any funds in my account even though the check has since charged back and no other fees or withdrawal will be coming back from the check. they arent allowing me access to funds that are desperately needed to pay my rent, car, and mounting medical bills and putting me at risk of losing my house, car, and life as i can not pay the necessary medical bills i need to keep my continued treatment at home and have been told that my medical treatment is going to stop if not paid soon.the money i my account has nothing to do with the returned check and there is no reason to block me from accerssing funds in my accoint. this is affecting every aspect of my life at the moment and the disregard for my abilty to pay for anything is criminal please have this resolved immediately because this is unacceptable..
|
| 02/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
Our vehicle was totaled on XX/XX/2023. XXXX XXXX, our insurance, has been working our claim since the totaled date to get our vehicle paid off and to claim the title. The document they require from BMO is a XXXX of XXXX for the payoff balance. XXXX began contacting BMO Harris Bank on XX/XX/2023 and has yet to hear back from the Insurance/Total Loss department. On behalf of XXXX, I have attempted to speed the process with BMO up by trying to get in contact with any department that could help. All department contacted transferred me to the Insurance/Total Loss department, in which no one answers call, returns calls, or replies to emails. The only response our insurance company recieved was a statement they were expierencing a high volume of accounts and would get back to us as soon as they can. We have not spoken to a live person at this department, and they have given no estimated time frame for their response to the insurance 's requests. I have tried to contact this department for over a week with no success. XXXX XXXX as been trying to contact this department for over XXXX weeks with no success.
|
| 10/22/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I have a checking account with no checks, only a debit card. I am a young consumer. I was making purchases on XXXX, and my purchases went thru. I had NO IDEA that BMO would pay out on purchases, overdraw my account and charge me almost 200.00 in overdraft fees.
This is highway robbery. First and foremost, purchases done on a debit card should NEVER be allowed. They should be stopped and indicated no funds. On top of that, by the time I am informed of this, they charge daily late fees and subtracted almost 200.00 in fees.
I tried to resolve this issue at the XXXX XXXX/XXXX location. My account now has a block on it so this problem will never occur on purchases. This should have been set up this way from the get go, and not overdraw and steal money from consumers who make a mistake.
I was told that NO FEES can be reversed. This is not appropriate customer service, especially due to the fact I did not overdraw by using checks. These purchases should of been blocked and not paid out.
I would like to have these fees reversed. I am a young person, and I am suffering financially due to this.
|
| 08/22/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
Bank of the West is transferring to BMO over the first weekend in XXXX. In all the literature that I have received, as a HELOC customer of Bank of the West, there is not a phone number to be found for questions. I have an automatic transfer from an outside account that processes on the XXXX of the month. The transition to BMO is taking place on the XXXX of the month. The automatic transfer every month entitles me to .125 off the rate of my HELOC. Therefore I need to be sure the automatic transfer will process.
As there were no phone numbers in the literature, I opened up mobile banking app. No phone numbers there of ANY kind. I opened up a statement and found a phone number. I called and was never presented an option to speak with a representative. After a few trips through the phone tree, I was hung up on by the system with a 'we are are sorry you are having trouble, please call back later '. What a disaster! I called back three times and gave up. I finally called my local branch for more information.
The phone tree BOTW has set up is NOT customer friendly and I am GLAD BOTW is going away.
|
| 04/26/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
BMO led me to believe they were willing to assist me in a loan modification. This process started XX/XX/2021 and we still do not have an agreement.
Unfortunately, they have not been willing to assist me. I feel as a senior citizen, I have been taken advantage of.
The process started in XX/XX/2021 and I have submitted all documents requested by the bank several times on at least three occasions, In XX/XX/2021, I was provided feedback that my application was denied because I could not produce a copy of my contract with my employer. This was not initially requested from BMO. I wrote BMO a letter stating that I did not have a signed contract with my employer. I provided my bank statements showing the deposits of income received from my employer. I also provide my monthly paystubs showing the money I received as well as the W2s from the company and the pay schedule issued by my employer. Everything that was requested had been submitted several time. Companies like this should not prey on their clients. Attached are dates that I submitted my personal data to BMO on several occasions. Please help!
|
| 12/04/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XXXX XXXX, 2023 I received an email letting me know my account was frozen. I tried to log into my account and found that indeed I couldn't get in. I called the bank to try to fix the problems and had to wait literally two hours to get in contact with a representative. The representative verified it was really me by using the information I'd given the bank when I created the account ( passcode, address, ssn, etc ). He didn't unfreeze my account and instead gave me BMO Alto 's " backoffice number. '' I called the number and no one was available and their voicemail box was full. Now my {$900.00} are stuck in an account with a bank I've become highly suspicious of. I checked the internet for others with experiences like mine with this bank and I found a case of someone losing {$60000.00} just like I've lost my {$900.00}. I'm so grateful I didn't have {$60000.00} in my account, but {$900.00} is still money I worked hard for and don't enjoy losing this senselessly. I've really learned my lesson about not trusting the internet for bank recommendations. What a disaster!!! I'm so, but so upset!!!
|
| 01/11/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I was already negative in my account cause the bank allowed a big payment to go through. My best friend accidently sent {$30.00} to my account, two separate transactions through XXXX. First one was for {$20.00} on XXXX and {$10.00} on XXXX. I was told on XXXX that I had to wait till XXXX to call back in so they can reverse the transaction that was accidental and I told them it was mistake and he should of sent it through XXXX XXXX. Now today, XXXX I am being told they can't reverse the transactions and are keeping someone else 's money. XXXX is an app to allow people to send and receive money. BMO has NO right keeping someone else 's money that is not theirs. They're customer service department in the XXXX need to be trained better and not tell customers things can be done when they can't. I've been with them since XXXX. I have informed the rest of my family members to close their accounts out as well as their mortgages when the time is right for them. Please find attached on how this bank allowed transactions to go through and still charge me {$15.00} over draft when I was still negative.
|
| 11/21/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Approximately 154 days ago on XX/XX/19, I opened both a personal checking and money market account with BMO in order to receive a two promotional cash bonuses. I have met all terms as advertised for these promotions, but have received neither. I am now being told I do not qualify for the checking account promotion because I had an account with BMO with in the previous twelve months. The attached offer states that to be eligible one must not have had a PERSONAL checking account with in the last twelve months. The account that I previously had that BMO claims makes me ineligible was a business checking account for which I received a business checking promotional cash bonus. Therefore, BMO defines that account as a business checking account despite the fact that the business was a sole proprietorship. Obviously, since it was a sole proprietor account my social was used in its creation. This is what BMO seems to be hung up on, but it is irrelevant as it was a business checking account. the money market bonus simply has not been credited to my account even though BMO admits I have qualified.
|
| 12/26/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
My Bank account with Bmo Harris Banking Had Fraudulent and suspicious activities Since XX/XX/2021. I was going to use my bank card and it said declined as i opened my bmo app on my cell phone I noticed that i could not do anything with my account and saw the fraudulent activity. i went to the branch and spoke with the banker and i was advised to go make a police report that the Fraud investigator was not in the office at the time and had to wait to be contacted by banker that was speaking with the fraud department. I honestly don't know why the bank if they noticed the suspicious activities, they didn't automatically contact me and spoke with me about the situation and also why they didn't put a freeze and a and suspension on the account. around the beginning of XXXX I was called back from the banker explaining to me taht XXXX XXXX from the fraud department said that nothing couldn't be done to help me out on my situation and that my bank account was getting closed and that I was going to be held liable for the fraudulent activities on my account and had to pay {$3000.00} at the time.
|
| 08/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
The BMO Harris Bank branches in Wisconsin, under the leadership of XXXX XXXX, have been running a soft pull on credit reports for new checking account customers. they've been doing this since at least XXXX. While this is indeed disclosed to the customer, it is explained as part of the approval screening process for the checking account. However, Retail President XXXX XXXX has directed branch staff to use that report to uncover lending opportunities, for consumer loans and home equity loans. At XXXX XXXX 's direction, they have also shared that credit report with the MLOs. XXXX XXXX has directed branch staff not to share with the customer how they know about the lending opportunities they uncover, not to share with them the details the branch staff uncovers, and not to tell anyone that they share the credit report with non-branch staff ( the mortgage lending department ). I personally witnessed this process as a branch manager at BMO, and it still goes on today. XXXX XXXX has a history of such shady behavior, as he was previously part of all the fraud scandals as a leader at XXXX XXXX.
|
| 07/19/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Opened a BMO Harris everyday checking account on XX/XX/XXXX, using the promo code XXXX. I followed all requirements, including bringing the mailer to a local branch, opening a new account, and having two direct deposits of {$300.00} or more post within 90 days of opening. I made deposits over {$300.00} on XX/XX/XXXX & XX/XX/XXXX. The bonus was to be paid 120 days after opening ( XX/XX/XXXX ). As of XX/XX/XXXX I still have not received the bonus. After contacting the bank, I was informed that I did n't qualify because the direct deposits were n't from a payroll company. BMO terms are listed as " Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening ''. I 'm XXXX XXXX, and pay myself from a business checking account from an external bank. Therefore I received 2 direct deposits, which were a paycheck, from an employer. This qualifies under BMO Harris 's listed terms.
|
| 09/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
It's been a issue getting everything out of the show me time I've called in to complain. I finally receive a replacement card but I went about almost 3 months without a card. And during XXXX time it may be very hard. Finally receive one after many months You command it with me a lot. Due to was around XXXX time XXXX. My birthday 's in XXXX. My daughter 's birthday. When I finally do receive a card I still begin to have issues, overdraft fees, and disputes do not get fixed. They have not been fixed, bank of the west has went to bmo and barely a fraudulent case was made by bmo nit bank of the west The bank has my change of address.
I have yet to receive dispute form? But instead got ta letter or paper in the mail saying that I am overdrafted and to basicallypaid up. But yet I have not received a dispute form to fill out by mail or anything This is very inconvenient given that I stayed Arizona where I have to drive about an hour and XXXX minutes to go to the bank or go all the way back to California and find a local bank. Many issue has been going on with my card since 2022 of XXXX.
|
| 08/07/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
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 ...
|
| 11/30/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
|
On XX/XX/23 I made a payment from my XXXX XXXX account to my BMO credit card. I received a confirmation from XXXX that is reflected on my checking account statement with a payment ID of XXXX and a XXXX of XXXX and BMO insists they didn't receive the payment. I could NOT resolve this with them after numerous attempts.
BMO says there's no record of it and so I called XXXX who has confirmed it was paid and confirmed it was deducted from my account. BMO has sent this to collections given me a late payment fee and this has hurt my credit score.
BMO just sent me a letter that said I have a past due amount of {$270.00} instead of a payment of {$300.00} and I was forced to pay {$570.00} or have more late fees.
Since just before the merger/takeover of Bank of the West with BMO I have had almost continuous problems with getting late mailings/not getting credit for my payments. I can prove each payment has been made each month on time. They will not accept any proof that I have offered and they keep promising when I make a payment that this time it will surely go through correctly.
|
| 12/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Web |
|
|
I opened this checking account with bank of the west. And to make this account free from monthly service fees, there are requirements which are paperless statement s and one ACH transfer every month. I have been doing this at least the past 12 months. Now after BMO taking over Bank of The West, without proper notification, my checking starts having a monthly service fees of {$10.00} per month. And I called the customer service in early XXXX XXXX, and I asked them how to waive a monthly service fees. They said I need to maintain with at least {$1500.00} in daily balance, which I transfer the fund on the same day to meet the minimum balance so I dont have to pay monthly service fees. Today, XXXX XXXX ; my account was charged another monthly service fees of {$10.00}. Either the bank employee lying to me or they were not well trained on how the account works. They also didnt send me the schedule term fees and disclosure. Please refund my fees and someone who understands how this checking account works, call me and explain. This is totally not fair and misdeception by bank employees.
|
| 10/27/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Servicemember |
|
I have been a banking customer with XXXX XXXX XXXX XXXX for over 30 years. XXXX months ago, I initiated a request for their secured ( with my funds ) credit card XXXX with a {$25.00} application fee. XXXX XXXX XXXX XXXX was in a transition to Bank of Montreal ( XXXX ) at the time I paid the {$25.00} annual fee to open the XXXX account. I paid the account as agreed. After XXXX months, the now XXXX wanted me to pay {$25.00} annual fee after only having use of the card for XXXX months, or they stated I could cancel the card. On Thursday, XX/XX/2023, I telephoned the XXXX customer service number on my banking statement per the instructions on how to cancel the secured card. After being disconnected while talking to one customer service rep ( XXXX ) I called again and after XXXX minutes talking to customer service rep ( XXXX ) I could not get any email or text verification that I cancelled the card and would avoid the {$25.00} fee again. Furthermore, XXXX would hold my funds ( over {$10000.00} ) for at least XXXX days even though I had no pending charges and my balance was {$0.00}.
|
| 12/01/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Older American, Servicemember |
|
Problem is with bill pay sending checks to non digital local businesses. Checks for these are treated as corporate checks and deducted from my account before they are cashed by the payee. I checked the BMO Digital Agreement which indicates that traditional checks are not deducted until presented for payment. I asked BMO about this and I was told by several BMO employees that this was the way bill pay works and I should check with the. Payee to make sure they received the check even though the amount was deducted from my account. Examples : XXXX. Scheduled check to be sent to XXXX XXXX on XX/XX/XXXX. The amount was deducted from my account on XX/XX/XXXX. In XXXX. I realized that the check was never cashed by the recipient when I received the next bill. Eventually the debit for this check was reversed but BMO did not respond to why this was not treated as a traditional check as the digital agreement states.
XXXX. Scheduled check to be sent to XXXX XXXX on XX/XX/XXXX. The amount was deducted from my account on XX/XX/XXXX but it was not cashed by the recipient until XX/XX/XXXX.
|
| 07/18/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
Servicemember |
|
I purchased a new vehicle and secured a loan through BMO Harris Bank. I was making payments to them, however when I was overseas on XXXX I found out that my loan had been sold to XXXX XXXX XXXX. I only found out that my loan had been sold while trying to make a payment on a sat phone in XX/XX/2016 in the middle of XXXX. I never received a disclosure from BMO Harris or XXXX XXXX. A customer service representative gave me a phone number to call and, thankfully, I was able to make a payment without a late payment, however I was BEHIND by one month. No one tried to call me, email me, or contact me via mail before or after the effective date of transfer, which I still don't even know.
XXXX XXXX XXXX seems like a scam company also. Terrible reviews from people who have had their auto loan sold by different banks. They have 100 % negative reviews on the XXXX website. As far as I can tell they have no website either, probably so people miss payments and they can charge late fees. Trying to find contact information for XXXX XXXX XXXX took hours. This is how not to run a business.
|
| 11/18/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Loan sold or transferred to another company
|
|
Web |
Older American |
|
BMO Bank from XXXX acquired Bank of the West, with whom we had a perfect track record of we make payments and they sent monthly statements.
Since the acquisition of Bank of the West, BMO Bank assigned a new loan number XXXX but has failed to send us any monthly statements. SinceXX/XX/2023. We have dutifully made payments at the Branch office, we have records of those payments, but BMO refuses to send us monthly statements and today we received a notice of Breach -- our Breach???
I went to the XXXX, CA Branch on XXXX, seeking our overdue monthly statements. They could not provide them, after much consultation with BMO office. I went to the XXXX branch on XX/XX/XXXX. They still could not print or acquire any present or past ( long overdue ) monthly statements.
I want BMO to immediately cure their BREACH by providing all past statements that reflect all of our payments. We think they are possibly criminals masquerading as bank officials. Loan sharks who want to steal our property or invent reasons to quit servicing our loan and wrongfully demand fees and forfeitures.
|
| 08/09/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
I have had a Diners Club card for years and I am a member of their Club Rewards program. I went to their website to redeem points and selected ( 1 ) {$100.00} eGift Certificate to XXXX XXXX and ( 1 ) {$50.00} eGift Certificate to XXXX 's. The prices displayed for these were XXXX points for the {$100.00} eCertificate and XXXX points for the {$50.00} eCertificate. Once I checked out to finalize the redemption the final cost in the cart for the {$100.00} certificate was XXXX points for the {$100.00} ecertificate and XXXX for the {$50.00} eCertificate. I called the Diners Club Rewards customer service and they informed me the last statement covered the increase for the eGift Certificates and the price listed on their website was wrong. I had n't seen the notice in the last statement. I informed the customer service rep that their website is mis-leading. She spoke to a supervisor and they informed her I had to redeem the extra points even though they were informed the website was not correct. I did redeem but I wanted to bring this to the attention of the regulatory agency.
|
| 12/04/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Unable to open an account
|
|
Web |
Older American |
|
On XX/XX/23 and XX/XX/23 I opened online CDs. The bank accepted my online app, deposit, and I became a customer. I have been attempting to open another but keep getting declined. Ive made 3 calls to resolve to no avail. Theyre obviously swamped with complaints as I was 123rd in line on Friday with about a 3 hour callback. The first two phone reps said it was an identity issue with their third party, XXXX, but couldnt give specifics because its proprietary info of XXXX. This flies in the face of the banks FDIC responsibilities to properly manage 3rd party relationships. I just got my XXXX report and there is no negative info and only the BMO inquiries. All 3 phone reps said there is no management over their process and no human intervention able to change the system process of approval or decline. The last rep said there was no headquarters for bank personnel involved in this process. While this is a consumer complaint, there appears to be much bigger safety & soundness governance concerns worthy of review by the banks primary federal regulator over this inept process.
|
| 02/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
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I had a cashiers check deposited in my account on XX/XX/XXXX at a BMO Harris Bank in the amount of XXXX. They told me that is would take 7 business days to clear the check. Before the check was deposited in my account the check was ran through a system and verified that is was a live and good. I was released some of the money at the time of deposit, the remaining was left in the account pending approval. On XX/XX/XXXX BMO closed my account. I went inside the main branch and they told me my account had been closed due to an alert. I asked what happened to my cashiers check that was deposited they told me that I have to contact BMO other departments in order to get any more information regarding the funds. XX/XX/XXXX I have been told that the money is not available and that I actually owe BMO XXXX. I said that is not correct I have XXXX in funds that have been taken from me. On XX/XX/XXXX BMO credited XXXX to my account that has been closed at least a month now, and will not tell me where the rest of the XXXX is located. They are stealing certified funds at this moment.
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| 01/25/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
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I opened up a BMO checking account on XX/XX/XXXX. I was interested in the {$600.00} checking account bonus they were offering.
A few days later I received a notice that my initial funding was not able to be processed. I called BMO and they were not able to give me any information about this. A few weeks after that, I called BMO again and they told me they had closed the account. They were not able to provide a reason and they said I would receive a letter explaining the decision in 7-10 days. I never received this letter.
I called them again today ( XX/XX/XXXX ), and they were able to tell me that the account was closed due to " high risk, '' but they were not able to explain what this means.
I find it very unprofessional that I was never notified of the account closure until I called them myself to ask about it. It also seems very strange that the fraud department would close my account without talking to me. If fraud was a concern, they could have called me and verified my information. I believe they closed my account so I could not earn the {$600.00} bonus.
|
| 10/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
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I opened an checking account in BMO Harris bank online on XX/XX/2023 and it asked for all documents and selfies during the process of opening the account and let me create a online user account, add my other bank account and let me to transfer the funds. The funds were also deposited on XX/XX/2023 in my BMO account but I'm unable to login, so I called the CSR and they say I need to send the sensitive documents like ssn, and driver license to a email ID. This is the worst thing that a bank can ask its customer after letting the customer open, fund and have an online account. Why would I send my docs again that too to an email ID, which is the worst thing you can do with respect to security and identity theft. I asked them to close my account and return the deposit as check, but they said I still need to send the docs over email otherwise nothing can be done. This is so ridiculous and I learned my lesson about why you should not do banking with small banks and also when they don't have branches near you. I'll report to FTC and XXXX and see what solution I can find.
|
| 11/27/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/2019, I received a text from what I thought was BMO bank stating that I had fraudulent activity on my account. The text had an employee number and a supervisor name, so I called the XXXX number and I spoke with who I thought was a bank representative and I began answering questions and providing information thinking I was freezing my account and stopping the fraudulent charges. Only to find out they were not the bank but scammers who now had access to my account and took {$1100.00} of my {$1500.00} teaching pay check, with tutoring. The bank said its not going to replace any of my money because I provided the information. I've never been scammed and I don't know what the bank ask in those types of situations. The fraud took place in XXXX, Wisconsin, I live Indiana. I have filled out and paid for a police report. I'm so disappointed with this bank I've been a consumer with this bank since it was called XXXX, XXXX, and now BMO. I am transitioning to a new bank, but I am now behind in bills because of this. BMO is not a bank for your average working person.
|
| 10/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
Older American |
|
Over payment of escrow money has been held since XX/XX/XXXX. Taxes were adjusted by XXXX XXXX XXXX. Called XX/XX/XXXX was told my account would be audited. Called XX/XX/XXXX BMO stated audit was in progress check would be issued. XX/XX/XXXX XXXX XXXX told to talk to loss mitigation dept-left msg. XX/XX/XXXX XXXX XXXX -was told audit in progress. XX/XX/XXXX - XXXX - can not audit due to system in auto audit. XXXX XX/XX/XXXX XXXX will issue check - transferred to loss mitigation department. XX/XX/XXXX XXXX XXXXXXXX will issue check transferred to loss mitigation dept left msg. XX/XX/XXXX XXXX loss mitigation no hold on my acct transferred to XXXX XXXX XXXXno check issued asked for supervisor. Sup XXXX XXXX could not get check issued- stop on acct - will email to get it removed from acct. It is now foreclosure dept that needs to be notified. BMO is holding {$2100.00} surplus escrow as of XX/XX/XXXX. My acct is in good standing and NOT in foreclosure as of XX/XX/XXXX. XXXX dismissed me and gave me canned response with no resolution of when a check would be issued.
|
| 11/04/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
XX/XX/2021 BMO, representative XXXX advised the XXXX XXXX business checking account had been closed. Without prior verbal or written notification. The attachment provides a XXXX BMO ledger, While, limited contact with the bank has occurred since the account closure. There have been repeat consumer complaints against the bank and/or branch. Those include negligence, harassment along with deceptive business practices.
The initial occurrence with the bank happened with XXXX ( Branch or Company vice president ). To which most details are available upon request happened during our initial visit alone. However, it was our second visit the executive performed a mind hack or trick, that mirrored a female urinating on a male act while sitting in her office. -disgusting.
It is believed the harassing business practices which XXXX displayed. Continued to lead the executive to follow my movements throughout parts of XXXX. While for the most part not physically harmful the perception is this practice falls along the line of malpractice, harassment and company negligence.
|
| 12/03/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Company card w/XXXX XXXX XXXX BMO Harris ) - {$3300.00} Name of Company : XXXX This was a XXXX XXXX XXXX company card. I left this company XX/XX/2018. All expenses were submitted and approved for payment prior to my leaving XXXX. XXXX has not paid this expense. XXXX XXXX XXXX has repeatedly called and harassed me on a daily basis ( sometimes more than 3 times in 1 day ). I have on more than four occasions patiently explained how this was approved prior to my leaving XXXX and XXXX XXXX XXXX should reach out to XXXX. This has now become harassment. I have asked XXXX XXXX XXXX repeatedly to stop calling as I can not help any further. XXXX XXXX XXXX even suggested I pay them ( XXXX XXXX XXXX ) and go after XXXX legally. I should not have to do this. There was one day that XXXX XXXX XXXX called me 11 times!
In addition, I was told by one of XXXX XXXX representatives that XXXX has a habit of not properly settling these types of accounts ( when an employee leaves the company ) in a timely fashion. All protocols was appropriately followed by myself with both entities.
|
| 11/09/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
Hello, I opened a personal loan with bank of the west to purchase a boat. That loan was sold to BMO when bank of the west was purchased.
Prior to the shift to BMO, I made a XXXX payment to bank of the west to principal ONLY. When BMO took the loan over they logged that payment as a pre-payment, which it was not. It was just a principal payment.
The last XXXX months Ive been calling and calling just so they can have my account corrected and properly generating monthly statements so I can just pay down my loan. NOBODY, fixes it. My last payment which I made just to keep up as BMO is not requesting payment was wrongfully charged interest based on the length of the loan. I need that corrected, my XXXX payment to be properly applied so my account generates the correct interest/principal calculation based on how much I have paid down, and the world can be at peace.
BMO is an absolute disaster so this has been my only chance to get through to someone who can fix something so simple. I just want my loan fixed so I can pay it off. Do not bank or do loans with BMO.
|
| 10/23/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
Hello, I can not amend previous complaints, however after being unable to open a CD account with BMO Alto I was supposed to receive a call back on the following day. I did not receive a call. I waited until the following Monday and now there is no way to contact the bank. Their phone systems are locked out saying today is a holiday XX/XX/23 which it is not. I spent an hour on the phone with BMO and they also do not have a way to contact BMO Alto. There is no email address or chat option, only phone number that immediately disconnects you. This is unacceptable. It is unacceptable to not be able to contact a bank over the course of several days. I already have XXXX accounts with BMO Alto and $ XXXX in assets across those accounts, but have no means of communication. Even the people at BMO were unable to help. I spoke with XXXX from resolution services and she admitted there was no way to contact the bank via email or chat only the phone number. She said best bet is to wait another business day and see if their phones start working again. Unacceptable solution.
|
| 05/30/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
On XX/XX/2023, I used XXXX XXXX to send money transfer from my XXXX XXXX ( XXXX ) account to my USD bank account with BMO Harris. The money was paid on the XXXX and I was expected to receive it on XXXX XXXX. This is not the first time Ive done this- Ive done these transfers multiple times with no issues! I called XXXX XXXX and the money was delivered promptly. I then called my bank multiple times and they said multiple times they couldnt track my deposit of XXXX $ XXXX however when I finally provided a reference number to the supervisor they say that they are holding my money due to OFAC- however this is not the first transfer I make- and I am sending the money to myself so why would I get a hit. They dont respond my emails and they are not able to give me a timeline on when I get my funds released- I was doing my transfer to pay for school, and I dont know why my bank is not releasing the funds- they havent asked me to confirm any details. I already submitted a license application with OFAC but I know my bank can push through and expedite this case!
|
| 11/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
Older American |
|
I filed XXXX complaints which the company finally responded to those complaints on XX/XX/XXXX. They explained which made no sense but supposedly my account is XXXX, and they have sent a XXXX to the credit bureau. In a heartbeat they can affect my credit but I have to wait XXXX days and have to watch my credit and if anything happens I can show them the letter. There was no error on our side. Everything was done on their end and now I have to watch and make sure nothing goes against our credit rating. Seems a little XXXX to us. We did nothing wrong and have to do all the work. Then to top it off we are still getting XXXX letters. And XXXX letters were sent not to the address on file, but to the address of the property that has the XXXX on it. Again another XXXX up on their part.
So as long as we keep getting harassing letters from BMO, we will file a complaint against BMO. That seems to be the only way we can get an answer. And believe me if our credit rating is tagged, there goes another complaint. Seems to be the only way we can get their attention
|
| 11/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
The letter received from BOM did not explain why they closed my account.
BOM Discriminated against me and violated my Constitutional and civil rights by questioning transactions that I made for my friend who is a political prisoner in Washington DC.
In XXXX and XX/XX/2023, I had XXXX transactions " money deposit '' to his commissary account while he sat in jail in the District of Columbia waiting for his trial.
In XX/XX/2023, I received a call from the BOM questioning Commissary Deposits that I made for my friend and the Deposit made to his Fundraising account.
I was at work, so I was not able to speak with them. I asked them to send me a letter with their questions and I will reply.
Soon after I received a letter that I already submit a copy to CFBP.
The letter informed me that BOM was closing my account with no explanation.
I need CFPB to investigate BOM for the violation of my CIVIL RIGHTS and CONSTITUTIONAL RIGHTS and Consumer Financial Protection Law as well as any other law that BOM violated under the federal and state constitution.
|
| 01/19/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
|
|
I am working with a Credit consolidation company ( XXXX XXXX ), so I put stop payments on XXXX loan companies that I borrowed with since they were charging me outrageous interest ( 799 % ).
I notified the bank of my situation, and they suggested I stop payments on my checking account. I stopped payments from my account XXXX weeks before the money was supposed to be withdrawn ( XXXX XXXX ). But my bank failed to stop the payment from coming out.
They played a recording saying that they are not at fault if the money is still taken out, but I could have gotten better guidance from the bank. I could have taken the money out the bank so that there was no money for them to withdraw.
I called the bank every day for the last 2 weeks, and they said that I should have gotten the money back in 5-7 days. It's been almost 2 weeks, and I Still haven't gotten that money back. I called today and they told me that the payment is processed, and they can't do anything. I was given 100 % guarantee by BMO main office that I should be getting the money back.
|
| 12/24/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/XXXX I received a text message at approximately XXXX stating fraud charges. All these charges were use in XXXX, IN.
Fraud Charges- {$100.00} XXXX XXXX, {$95.00} XXXX XXXX, {$100.00} XXXX XXXX, {$92.00} XXXX XXXX XXXX and {$95.00} XXXX XXXX XXXX. At that time I called BMO Harris Bank and spoke to a representative who filed a dispute she also emailed me a form to take to a branch location in the morning. The representative also stated that I would receive a provisional credit once the forms were received in the REG E dept. She did inform me that it would take 7 to 10 days but I told her that is not acceptable because 2 bills were coming out my account and this would leave my account in the negative. As of today the money has not been placed in my account. I have been on the phone with multiple representatives from XX/XX/XXXX-XX/XX/XXXX. I need action done and someone to reach out to me regarding this matter. This is the short version of the issue. I have more to say but I will discuss this with BMO Harris CEO and board of directors.
|
| 05/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/XXXX an unlawful inquiry showed up on my XXXX credit report. This inquiry is unlawful because i never authorized it. By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, bmo harris is also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. Ind. XXXX ) I have attempted to solve this issue myself. Here is what i did.
XX/XX/XXXX i sent a request for removal to bmo harris through certified return receipt mail. The id is : XXXX. This gave the company 10 days from receipt of the letter to respond.
XX/XX/XXXX i did not get a response XX/XX/XXXX i have finally had enough time to submit this complaint.
I know that the company did receive this request for removal, in which i was very specific about the laws they are breaking, so i ask that you reach out to them and push them to complete the removal of this inquiry.
I have provided all documents needed below.
Thank you
|
| 11/04/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I signed up for a BMO Harris Smart Advantage Account on XX/XX/XXXX using a publicly available link on the BMO Harris website that promised to pay {$200.00} for new checking accounts. I have screenshots of the website page on the date signed up showing the promotional terms and conditions. I 've met all of those conditions, and BMO Harris refused to pay me the {$200.00} bonus as promised.
I spoke with two BMO Harris agents in XX/XX/XXXX and XX/XX/XXXX about this issues, and they claimed the bonus would be paid on XX/XX/XXXX which was approximately 120 days after account opening as specified in the terms and conditions. It 's now XX/XX/XXXX and still nothing.
I chatted with another BMO representative on XX/XX/XXXX named XXXX. He was terribly unhelpful and unwilling to assist. He simply lied and claimed the bonus would be paid later in the month at some point. He could n't even provide a specific date, even though the terms and conditions clearly show the bonus should be paid by 120 days after opening, and other BMO agents confirmed so.
|
| 10/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Late in the day on XXXX I received a text from BMO bank my debit card was being used and was it me. I replied no. Then the bank suspended my debit card and was given a phone number and fraud case number. The bank had 6 {$300.00} transactions to XXXX pending on my account. I called first thing XX/XX/XXXX told the bank it was not me and was told it takes 10 business days to validate my claim. Today XX/XX/ I called to get status and was told my first call never existed. XXXX at BMO said no case was ever started and my claim wasn't there. After 60 mins on the phone with her she said she can no longer hear me and if I had any other questions to just call back. After that 60 minutes on the phone I did call back because I still needed to know when will I receive my money back. Next call I spoke with XXXX and after one hour and 12 mins was told it takes up to 90 days to get my money back. I can't believe it takes up to 90 days to receive my money. I have never heard such a thing and I can't wait 90 days to pay bills. They have XXXX of mine.
|
| 12/29/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
|
|
I applied for a Heloc with BMO Harris on XX/XX/XXXX, were a rate was agreed based on estimated Credit score and appraised value. After waiting all the way until XXXX to be able to close as they had delays with appraisal, they finally send me the closing documentation with a date of XX/XX/XXXX with a higher rate. I called them to understand why the rate changed and they explained that the appraisal came for a lower value and the XXXX was higher, hence the change in the rate. So I requested them to lower the loan amount to keep the same rate as the original loan amount and they said the commitment expired on XXXX and they could no resubmit to underwriting. The only solution was to submit a new application. So not only the loan was delayed due to their process, a change in rate was not disclosed before closing, and they tried to force me to a higher loan amount and higher rate due to a " regulation ''. I placed a call to the supervisor and never received a call. I sent an e-mail to the loan specialists and still waiting for a response.
|
| 10/21/2015 |
Yes |
|
|
|
Web |
|
|
On numerous occasions during XX/XX/2015 Diner Club Credit card hastaken an inordinate amount of time to post the monthly balance pay-off to our account. Generally waiting until after the duedate has past. When Customer Service was query more than3 time during XX/XX/2015, Service personal gave the preverbal the Post Office must be to blame. The demonstrative facts are quitedifferent ...
Twice document, XX/XX/XXXX and XX/XX/XXXX, on the day the payment was due, and 15minutes before close of their business day ( PDT ), Diner Clubclaimed the payment was not yet received, yet XXXX ( EDT ) thefollowing day the payment was not only received by Diners, but posted to the account, and had cleared our checking account the nightbefore. As you can image this must be magic, how during theirbusiness day they have no real time information, but our check canarrive, be processed, posted to our account and miraculously clearour checking account, the night before. Sounds like very sloppyaccounting work flow and at the very least poor customer service.
|
| 01/03/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
BMO stated I need a hold harmless to release my funds, I provided documentation multiple times proving that my funds were legitimate. There is no reason that I am suffering to regain control of my funds in this manner. Im attaching multiple images from XXXX stating that BMO Harris is responsible for reaching out to them from a financial institutional stand point regarding a hold harmless letter. I have reached out to the Federal Bureau multiple times about this situation at this point I feel as though BMO HARRIS is asking for something they know I wont be able to receive, just to confiscate my money. I am a business owner this has impacted my business in multiple ways, I am now homeless due to the incompetence of this situation and lack of asking for more documentation. There is no reason my money should be going to uncollected claims when I showed proof of the check from XXXXXXXX XXXX and I also attached a letter of XXXX XXXX stating BMO HARRIS would have to ask for a hold harmless letter from XXXX XXXX and not me as a individual.
|
| 07/20/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Can't close your account
|
|
Web |
Older American |
|
My father died 2 years ago and I am the executor of his estate.Part of his estate is a certificate of deposit of which myself and my sister are equal beneficiaries.XXXX XXXX died in XXXX of XXXX certificate of deposit is with BMO Harris Bank.In XXXX I was instructed by XXXX bank to send them a Death Certificate, a notarized letter instructing them what I wanted done with my share of the account. For XXXX year no action was taken on the account. I faxed the bank to check the status of my claim and was told to resubmit the information again.waited again for a response and did not receive one.When I contacted the bank again I was told someone would contact me, but no one did. I contacted the bank again in XXXX and was again told to submit another Death Certificate, notarized letter and picture identification.I did this again and still have gotten no response from them. I have been trying to resolve this problem for two years.I was also asked by XXXX Bank to submit a Small Estate Affidavit which I did at a cost to me of XXXX dollars.
|
| 06/22/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
Someone fraudulently opened up a checking and savings account with BMO Harris Bank with my Social Security number and name. I contacted them on XX/XX/XXXX. Eventually their fraud department agreed the account was opened fraudulently and closed the account and sent me a letter acknowledging that on XX/XX/XXXX. I then received a letter from BMO Harris credit dispute specialist dated XX/XX/XXXX that stated that the account in question was opened properly. They would not take any further action to clear my credit unless I sent them a police report identify and I was a victim of identity theft. I have filed now for a police report, but how is it that the fraud department can say it was fraud and the credit department can say were not going to clear your credit. The only reason I knew the account had been opened was the fraudsters didnt select paperless statements for the savings account portion. Ive never received any information about the checking account that they had a paperless option on, nor do I know what the account number is.
|
| 09/28/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XX/XX/XXXX I opened a savings account and funded it with {$1000.00}. On XX/XX/XXXX, with no notice my savings account was closed by BMO. A check was supposedly mailed to me but I was travelling and it was returned by the post office. It has been a nightmare trying to get this {$1000.00} back. I have called, chatted, messaged, XXXX and no one has been able to help me. I was told I could call a supervisor named XXXX XXXX at XXXX. That number was a fax so no help. I was told XXXX XXXX from the internet sales team would need to call me back. She never called. When I followed up I was told there is no one there by the name of XXXX XXXX. This has been a very frustrating experience. It 's even more frustrating that I have a checking account and it would have been possible just to deposit the money there. It also would have been very helpful if they had communicated the need for any paperwork or that they were closing the account. All in all a very bad experience with this account and all the customer service reps who could n't help.
|
| 12/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
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RE : BMO checking account ending in XXXX I opened a checking account with BMO Bank online after receiving a promotional offer. The offer states a {$400.00} bonus for completing direct deposit within XXXX days. My direct deposit was dividend/interest payment from a US Treasury Govt Bill which is considered a government benefit payment. However, no bonus has been deposited till today 's date. I've contacted BMO customer service regarding the concern and was told the direct deposit doesn't qualify. How does a government benefit not qualify when it states that exactly in BMO 's terms and conditions for the promotion ( attached ). I would like BMO to honor the promotion as stated. I've attached screenshots showing the US Treasury Bill as well as dividend payment received that was sent to my BMO checking account. If this isn't handled appropriately, I will be pursuing this further with the XXXX XXXX XXXX as well as the Consumer Protection Office of the Attorney General to file a grievance with them to investigate further. XXXX XXXX
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| 12/11/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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On XX/XX/, I created a joint savings account with BMO XXXX ( the online banking division of BMO ) and successfully ACH transferred {$340000.00} into this account. See attachment for account details. On XX/XX/, I attempted to ACH transfer out {$31000.00} to another bank. On XXXX I was notified by e-mail from BMO XXXX that my account was frozen. I was notified by a second email on XX/XX/XXXX that {$31000.00} had been returned to my account due to fraud detection ( see attachment ). I called the number provided in the email ( XXXX ), but was told I must call their fraud number at XXXX. Ive called this number over 50 times, but continuously receive a message stating the mailbox is full. I contacted the customer service number several more times ( XXXX ) and asked to speak with a supervisor, but they insist my only option is to continue calling the fraud number until someone answers. I then researched complaints online and found a recent post describing the identical problem without resolution for several weeks ( see attachment ).
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| 02/18/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
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On the XXXX of XXXX, I noticed that a XXXX request ( XXXX dollars ) I made from my bank to my XXXX XXXX was withdrew twice. Putting my account to a negative XXXX. I initially only wanted to withdraw the first XXXX $ but when I realized my bank withdrew XXXX $ .As a result of this, I called my bank immediately to notify them/ and I filed a dispute. I was given a provisional credit by my bank in till they figure out where the second transaction is.
By the time the system updated the other XXXX charge was gone. And they made the dispute on the XXXX I had authorized.
XX/XX/XXXX the provisional credit was taken back : the problem now is my actual XXXX on my XXXX XXXX isnt there anymore and when I contacted XXXX XXXX I was told the bank pulled it back. And that I should contact the bank for my money : when I contacted the bank, they told me to contact XXXX XXXX. I have emails from both party, pushing me to each other. This is not helping me and this has taken a toll on my mental health and well-being.
My bank is BMO Harris bank
|
| 12/15/2017 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
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Web |
|
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Im a XXXX XXXX XXXX and I purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I used the finance company that was referred by dealership. BMO is finance company. I agree that I do owe them however I pay them approximately 18000 per month for six vehicles. I currently owe them XXXX for month if XXXX and I have sent the last XXXX today. They wont recognize that we are in the Month of XXXX and they will not remove repossession order. The reason I know that is because repossession agent has informed us they are on the way to pick trucks up. I just feel they are pretty drastic when it comes to collection. We never refuse their phone calls. I spoke to dealership about this problem and they informed me that the finance company does this to be able to resale equipment all over again. Meaning they would have kept everything we sent in payments and then add the future income of what would come from resale. We get just as many calls from repossession company as we do from finance company. They seem to look forward to seeing us fail.
|
| 02/28/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Older American |
|
Bank of the West made an error with my RV loan account for XX/XX/XXXX statement that was due XX/XX/XXXX. They claim that I missed that payment. I tried calling them dozen times at least only to get transfered from one customer rep to another then hung up on. So I tried to email them just to get a request to call. That don't work. So I mailed them a letter to their XXXX office as described on the back of my statement. Explaining their error along with a copy of my bank statement and a copy of the processed check that was posted to my checking account on XX/XX/XXXX. This was the XXXX of XX/XX/XXXX and by the first of XXXX I still have had no response or credit correction made to my account. So I mailed again the XXXX of XXXX all documents to the XXXX office and this time also their XXXX XXXX office where I make the payments. Still the XXXX of XXXX and no response or correction to my account. I am convinced by phone, email, and standard mail that if they just ignor me I will just go away and forget the whole thing!
.
|
| 08/25/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
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On X/XX/17 I purchased a Used XXXX XXXX XXXX XXXX through XXXX on XXXX, XXXX XXXX XXXX XXXX, XXXX, IL. They applied for financing for me through BMO Harris Bank. The amount financed was XXXX at an interest rate of 5.14 %. Since then I have called the BMO Harris Auto Loan customer service number XXXX to find out what the pay-out amount of my loan is because I want to refinance the loan through my credit union. Neither through the automated system or by talking to an agent has BMO Harris been able to give me that amount. The agents have told me that my loan is not yet in the system. Today I spoke with a supervisor, XXXX XXXX XXXX, who told me that it can take 4 weeks to " book '' the loan. I got the loan exactly 4 weeks today. He told me there is nothing he can do to speed up the process and that there is no way that I can go to a branch office today to pay off the loan.
I 'm angry because BMO Harris is charging me their high rate of interest during this time that I wish to have already paid off my loan but can not.
|
| 04/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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Issue # 1 : This account was involved in a foreclosure that occurred in XX/XX/2011. We surrendered the property to the bank, which resolved any balance owed. This account still reports a balance of {$80000.00} on our credit report, but it should report as {$0.00} owed.
Issue # 2 : This account is also reporting that we are actively 120 days past due. Once again, we surrendered possession of the property, associated with this account, back to the bank in XX/XX/2011. The account was obviously closed at that time. Despite that, BMO Harris has continued to report this account as continuously 120-days delinquent for 7 years now. The account should report as a charged-off collection as of 2011.
Issue # 3 : It is my understanding that a creditor can only report negative information about an account for seven years according to the Fair Credit Reporting Act. From what I can see, this account has exceeded that standard. Simply put : We question the validity of this account still appearing on our credit report at all.
|
| 01/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I contracted XXXX on XX/XX/XXXX. By XX/XX/XXXX I was admitted into the hospital. I am very lucky to be alive as I suffered from XXXX for my whole life. I was eventually released from the hospital and sent home for XXXX I was out for 60 days and lost my job. I had a reoccurring payment returned for insufficient funds on XX/XX/2020. I wasn't made aware of the insufficient funds payment when it happened otherwise I would have had someone deposit for me. Having said this I contacted BMO and explained to them the situation on XX/XX/2020, caught the payment current and requested a Goodwill Adjustment due to extenuating circumstances caused by Covid 19, the pandemic. They told me over the phone it would be no problem. I recieved a response back from BMO on XX/XX/2020 denying my request. I then disputed it with XXXX XXXX, and XXXX and was also denied because they said BMO verified the account. Having said this, I am requesting that the account 's late payment be updated to current under The Hereos Act Section 110401.
|
| 01/11/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This account was close on XXXX.
When I decide to close the account there was a payment of XXXX cents or something similar but the problem was resolved and the account closed. The teller took me to a room and let me know the account was closed and gave me a receipt. After in 2021 when I applied for a apartment I was told I had a collection for the same bank. I asked the bank for help but they sent me to a different location and in that location they sent me to the first one. None of them gave me information about the collection or why the account was reopened after it was closed years ago. They probably thought because it was only over XXXX dollars it was okay for me to pay but it was and still is very difficult for me to pay that amount plus it has ruin my credit all this years.
I asked the collection agency what I could do and they told me to get in contact with the bank branch to help me delete the collection as only they were able to so so, and the bank said it was up to the collection agency, not them.
|
| 02/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I opened a credit card with an offer if I spend {$3000.00} in 3 months of opening that I would get 25,000 bonus points. I spent just over {$5000.00} ( about XXXX ) in that time frame. I never received the points.
I called the bank now 6 times. The first time it was forwarded to a promotion team that after a week called me back and said that the promotion was spend {$5000.00} to get the points. When I told them I did spend over {$5000.00}, then I was told maybe it was {$6000.00}. I told them I have the letter that came with the card saying {$3000.00}. I was told they would forward it back to that department. I never heard back. A month later I called again, and was told it would be sent back to that department. Again never hearing back.
I spent well over the {$3000.00} required, and have statements as proof it was actually over {$5000.00} even in that window of time, yet never got the 25,000 points. I want the 25,000 points owed. I'm including the proof of the offer they even mailed me after I got my card.
|
| 07/25/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Money order
|
|
|
Web |
|
|
My landlord, before she got fired stole my money order for my rent and went and cashed it herself and kept it. I have been with bank of the west for 5 years they have seen me there once or twice a mo th for five years but let an unauthorized transaction take place when my name was on the check they did not call me or anything. I have an ongoing police investigation and a detective looking into everything. I have tons of proof this is complete fraud and bank of the west refuses to reimburse my money which was XXXX dollars. XXXX the main XXXX XXXX refused to give me any paperwork or her supervisors number. She refuses to give me my money back even with all the proof of fraud. I am very concerned people who work at this branch are committing acts of fraud. Why would they allow such a transaction to take place and then not even reimburse it? I do not know which way to go but the people who work there and my landlord need to be held accountable for there actions. Please someone call me. XXXX XXXX XXXX XXXX XXXX
|
| 11/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX derogatory remarks reporting from XXXX of XXXX through XXXX of XXXX. The remarks show as XXXX days late. I was actively enrolled in the XXXX forbearance assistance program that was being offered by BMO Harris. I spoke with multiple representatives at this time and each XXXX of them ensured me that there would be no credit ramifications from entering this program.
I was informed today by XXXX different representatives XXXX, XXXX, and XXXX that they were unable to see any type of missed payments or delinquent remarks on my account dating back to XX/XX/XXXX. This has negatively impacted my wife 's and my own credit score by over XXXX and XXXX points.
I am requesting that these remarks be removed as soon as possible. I was informed by BMO Harris that this was something that I would have to take care of myself, and they would not be able to help me.
They also sent several correspondences stating that they were attempting to collect a debt while I was enrolled which is a direct violation of the FDCPA.
|
| 10/20/2015 |
Yes |
|
|
|
Web |
|
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The credit card company claims that I owe them money, but I traced every charge transaction to a payment. I called them to go line by line to show them that they were paid, but the company has refused to help me all three times I 've called. They keep transferring me to different people or departments, and no one can help. They keep repeating the same formula for how the amount is calculated, but they do not seem to be interested in me telling them that the calculation does not line up with the activity. They do not seem to want to recalculate the charges versus the payment to see my side of things, but instead keep referring me to different departments or people. I 've called three times already and now have to call again. I would like them to listen to side and follow the charges versus the payments as I have done. Also, I 've tracked the payments and show that I 've over paid on a few items and the balance should actually be a credit balance, and in fact they owe me money instead of me owing them money.
|
| 07/30/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
This bank has continued to have horrible customer service through the phone as well as in the branch. Going into the location in XXXX on XXXX XXXX XXXX was horrific. I came into the bank after speaking to c.s. about applying for a credit loan and opening a savings account when i got to the bank the banker was very nasty and yelled at me for listening to the lady on the phone because she didn't know what she was talking about. Furthermore going into the bank the teller told me the cash advance machine was down and the banker and teller both bombarded me saying i should have called the bank before i showed up and thats the problem with people who jist come to the bank and dont call first and call the XXXX number. Further Customer service issues have occurred due to poor communication skills and bad information given. Lately its juat got to the point its a yelling match and often im just cursing and ready to close my account. I am so tired of being told one thing on the phone then something else in branch.
|
| 07/01/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
My problem has been with BMO Harris Bank. I have paid off my loan over a month ago and they have not sent me my payoff letter. I called and went through the channels and requested it from them. They had deleted my account online so I could not get the letter from their online portal like I am supposed to. So they said they would send me the letter so I could get my title. After a week they sent me what I thought was the letter, I went to my secretary of state and they informed me it was a statement they sent me not a letter. I called back to get an immediate letter sent to me as I needed to get the letter in order to sell my car to the dealership that has it. They said they would send it to me within the day by fax, they still have not. I called back and they said I don't even have a request on record. The people refuse to transfer my call to the correct channels, they keep making promises and don't follow through, I now I have my car at a dealership waiting for a letter that I don't know will ever come.
|
| 10/17/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened my BMO Harris checking account on XX/XX/XXXX. I was to receive a {$500.00} bonus if I met the following criteria : " Get a {$500.00} bonus when you open a new BMO Harris XXXX account and have a cumulative total of {$7500.00} in qualifying direct deposits within 90 days of opening. Bonus is paid approximately 100 days after opening ''.
On XX/XX/XXXX a qualifying direct deposit in the amount of {$8000.00} was made to my account. On XX/XX/XXXX, 100 days had been met. I very clearly met the requirements, but it has now been over 110 days since account opening and the {$500.00} bonus has not been paid out. I reached out the BMO Harris through phone and messenger in the app and received the following response. " Upon review, I do not see that the requirements have been met, the tracking window for the promotion ended on XX/XX/XXXX. I did not find at least {$7500.00} in qualifying direct deposits. '' Clearly BMO Harris just does not want to keep it's legal obligation and pay me my {$500.00} bonus.
|
| 05/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
Re : BMO Harris Bank. I originally had a HELOC line of credit on my condo in XXXX, IL. That property was sold in XX/XX/XXXX and the balance on the HELOC was {$0.00}. The HELOC was never closed by BMO Harris but they did encourage me to use the HELOC after the property closed. I utilized some of that money. The open line of credit was {$95000.00}, I utilized approximately {$65000.00} and paid down that amount. I needed extra time to pay it off, wrote a letter to XXXX XXXX, the CEO of BMO Harris and never received a reply. They submitted my account as delinquent, as there was NO ASSET, no longer any real estate to tie the HELOC to. I continued to pay down the {$65000.00} amount every month. After years of my making monthly past due payments, there was still a balance due of {$9300.00} which was written off by BMO Harris in XX/XX/XXXX. BMO Harris continues to show on my credit report that {$47000.00} was written off which is TOTALLY NOT CORRECT. The total amount written off is {$9300.00}. PLEASE CORRECT.
|
| 11/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
My wife and I have a joint checking account with formerly Bank Of The West now BMO. We were in process of closing this account, but had to have BMO/Bank Of The West stop auto debit loan payments. We were advised by BMO that our loan payments would be stopped on auto debit and able to be moved to our new checking account at another bank. BMO advised us that this process could take months due to a merger. We are now at the XXXX month mark and auto payments are still happening. Because our direct deposits are going into a new bank and not BMO, we are being assessed a checking account service fee. We can not close this account and avoid this fee because BMO will not change these loan payments to come out of our new account. We have made several call attempts to have this done and have been advised it will be done and yet it is still not completed. The service charges are deceptive by nature, we feel that BMO is dragging this process out to get these service fees and avoiding allowing us to move banks.
|
| 01/23/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I've tried, several times, to close my accounts that used to be with Bank of the West that were taken over by BMO bank. They do not have a branch location within a XXXX hour drive of my location so I've called several times to get the account closed but to no end.
On XX/XX/2024, I drove the XXXX hours round trip to a XXXX branch location, thinking I would be able to close these accounts. I was assured by the bank teller that everything was finalized.
XXXX, I received an email that my statement was ready to check online. Since it's XX/XX/2024, I've logged in online and see that the checking account is still active. I tried working with the representative this morning but she seemed too worried about enrolling me in XXXX XXXX rather than closing my accounts.
I don't understand what the problem is. I've never had this much trouble getting accounts ( with monthly fees ) closed. I feel like I'm being preyed upon by this banking entity and I no longer want any association with them. Please help.
|
| 11/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
BMO was supposed to credit my business checking account a {$500.00} bonus but they only credited me {$300.00}. On XX/XX/2023 they credited my checking account {$300.00} when it was supposed to be {$500.00}. Here were the terms of the offer which I have fulfilled. I deposited over {$10000.00} and made 10 debit card transactions. I was on the phone with BMO customer service for over 1 hour and they keep giving me the run around. I have had enough with this bank and their games.
{$500.00} Business Advantage Checking bonus : Deposit at least {$10000.00} within 30 days of account opening.
Once your balance reaches {$10000.00}, your balance can not drop below {$5000.00} for the next 90 days.
Have at least 10 electronic transactions post to the account within 90 days of account opening. Electronic transactions can be any combination of ACH credits or debits, online bill payments, mobile deposits, wire transfers or debit card POS purchase transactions. ATM transactions and POS credits do not qualify.
|
| 12/08/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Bmo Harris bank, Deceptive and incorrect marketing causing excessive nfs fees and over draft fees taking advantage of low income clients.
According to XXXX any deposits made before XXXX XXXX central time will be processed same day. I sent money through XXXX only to be told it would be processed the next day. When I called they said it had to be sent before XXXX XXXX central time. When I found out they wouldnt credit it that day I went to the atm and deposited more money before the stated XXXX XXXX cut off only to have it also credited the next day. When I called the company they said XXXX was wrong and there was nothing they could do and I would be charged 2 nfs fees 36x 2 plus the fees from my condo company. They took no responsibility and said there was no way they could stop my payment from being reflected. This has caused me indue XXXX hours of running around only to be charged exorbitant fees. They took no responsibility for the web being wrong and said it was in my account documentation.
|
| 05/13/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
I HAVE HAD ISSUES WITH BMO 'S SERVICING COMPANY FOR OVER 5 YEARS, THIS IS MY 3RD COMPLAINT.
INITIAL RENEWAL THRY SENT ALL MY PERSONAL INFORMATION TO A LANDSCAPING COMPANY WHICH SHOULD BE ON THE CFPBS RECORD.
SECONDLY PAST TWO YEARS THEY KEEP ALLOCATING MY PAYMENTS INCORRECTLY, YEAR END, RECIVED NO YEAR END INTEREST STATEMENT.
CALLED SERVICING COMPANY FOR BMO/ XXXX XXXX XXXX XXXX ON ; Y TO FIND OUT THEY HAVE BEEN AGAIN ALLOCATING MY INTEREST ONLY PAYMENTS WRONG.
THEREFORE WHEN I WENT TO DO MY YEAR END TAXES, I HAD TO REACH OUT FOR CORRECTION WHICH IS STILL IN PROCESS.
I BELIEVE THEY HAVE STRAYED FROM BEST WORK PRACTICE, CODE OF EHTICS AND THE TERMS AND REGULATORY STANDARDS OF MY AGREEMENT.
I REALLY BELIEVE I AM ENTITLED OR SHOULD AT MINIMUM HAVE THIS LOAN FORGIVEN AND OR WITHDRAWN DUE TO 5 YEARS OF NEGLEGENCE, AND THE DISRUPTION WITHIN MY TAXATION RIGHTS, DEPT. OF TREASURY : LASTLT, I RECIVED NOTICE THEY WERE CHANGING SERVICER IN 2020 AND THEY NEVER DID, KEEP SAYING STILL IN PROCESS :
|
| 09/26/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I opted out of an Overdraft Protection program for my debit card account which explicitly states that they would decline the card should there be insufficient funds in the account and not charge an NSF fee. Upon noticing a NSF charge I called the bank. They referenced a Regulation E which explains that the opt out does not apply to " recurring charges '' the definition of such was not adequately explained. They refused to refund me the overdraft fee of {$35.00}, even for this first offense. I mentioned that since my account is in negative balance and therefore can not close the account without paying the NSF fee, I would let it become inactive. The repercussions per the agent I spoke with would be another {$50.00} in fees and then having a collection agency attempt to collect his amount. In the meantime, this would effect my credit score and I would not be allowed to open any other checking accounts. This is quite a hefty fee to pay for a poorly worded policy that anyone could have been duped.
|
| 10/31/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I contacted the BMO bank branch in XXXX where I had a security credit card in early XX/XX/2023 with a request to close the account and return my money. I was told that I should call the number on the card and close it, which I did. However, despite because the account was closed on XX/XX/XXXX, I did not receive my deposit back. I repeatedly called the hotline and every time I received an answer that I would receive my money and the delay was due to the fact that someone had the wrong address and other excuses. On XX/XX/XXXX, I contacted to another branch in XXXX. The XXXX XXXX wanted to help me and tried for a long time to find out why I had not received anything. Then she was told that within 10 days I would receive a check from the bank. As of XX/XX/XXXX, I only received promotional papers from BMO bank. I spent a lot of time and effort to take back your deposit. Also the XXXX XXXX, but we still couldnt get anything. Please pay attention to this bank because many clients complain about it.
|
| 04/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
XX/XX/XXXX a letter marked that date was mailed to me saying that my Bank of the West account will be closed as of XX/XX/XXXX. The letter arrived today XX/XX/XXXX. I had just been to BotW on XX/XX/XXXX to make a deposit, no one said my account was about to be closed. I have no overdrafts, my account is in good standing with {$100.00} in it. I receive my XXXX check there by XXXX XXXX and have had this account open since at least year XXXX. Letter states only that when I opened the checking account I agreed to terms that it could be closed with no reason.
I called the branch but it was closed so I called the main number and even spoke to a supervisor. No one could explain why my account is about to be closed. I will be calling my branch tomorrow but read on the internet that this is happening to many people with accounts in good standing even at bigger banks such as XXXX, XXXX XXXX and XXXX XXXX XXXX. I need my account to stay open as it is the only way I can receive my XXXX ad pay my bills.
|
| 03/27/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
On XX/XX/XXXX, BMO accepted a check that was illegally endorsed. The check was an insurance two-party check made out to me, XXXX XXXX XXXX and XXXX XXXX XXXX. The check was to be endorsed by me and then sent to XXXX XXXX with paperwork I provided from XXXX XXXX for their endorsement. XXXX XXXX never received the check for their endorsement.
I gave the check to XXXX XXXX, endorsed by me with the paperwork and they said they would send it to XXXX XXXX so they could endorse the check and send it back to me. Instead, XXXX XXXX endorsed the check themselves, deposited it, and BMO accepted it. Seems to be illegal.
XXXX XXXX and my insurance company 's bank, XXXX XXXX, filed affidavits of fraud.
On XX/XX/XXXX, the fraud charge was denied by XXXX XXXX, fraud analyst with BMO. XXXX XXXX has accepted the ruling.
I have appealed to XXXX XXXX and he has responded that he would revisit this claim.
He seems to be dragging this out. I am looking to get this resolved after over a year of this dispute.
|
| 11/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
On XX/XX/2020 money was supposed to be deposited from the XXXX XXXX company. the company deposited my sales into the wrong checking account. the bank did not return the funds to the XXXX per a conversation with the bank manager XXXX of XXXX illinois. Phone conversations time stamped and recorded back up this statement.
As of XXXX XXXX XXXX Funds have not been located after 7 hours of being put on hold and lied to by BMO harris bank. the negligence of stripe and BMO Harris is unacceptable.
The amount of XXXX has been Hijacked by each company for over a day in which the funds are not lost but being misused.
XXXX will not issue a manager to resolve the issue I have spoken to an XXXX, XXXX XXXX, and one other party that would not give his name.
XXXX the manager at BMO Harris has mishandled the funds. Stating on his recorded line that his bank returned money that was sent to the wrong account. He has the trace Id number the same as stripe and refuses to conform to the returning of funds.
|
| 06/17/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
Servicemember |
|
My check was fraudulent from a potential employer. I did not know this before the submission to the bank since I was seeking an employee account. When the bank informed me that the check was a fraud. They then requested documentation of the entity that sent me the check. The next day I went to the original banking center and submitted the documents I had. I asked The representative to call or contact my Credit bureaus and informed them of my intrusion into my finance. the representative then stated " no that 's not my position '' and decline to inform the authorities about my encounter. I further informed Him that this is the XXXX time I have been sited for this kind of fraudulent conduct and he still stated that he would do nothing on my behave or " not his position ''. How can we Americans stop this type of intrusion unless we have better assistance with these needs. Life, Liberty and the Pursuit of happiness comes in where on this matter? Thank You for you consideration on this matter.
|
| 12/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I the consumer/ natural person and original creditor. Pursuant 15 USC 1602 ( p ) that there has been unauthorized use of my credit card by BMO HARRIS BANK without me benefiting from this consumer credit transaction. My benefits were taken by misleading and deceptive forms 15 USC 1692j ( a ) requesting payments. This herein show I have sent 2 cease and desist letter in which BMO HARRIS BANK N.A continue to take money from my account for an alleged debt that is not owed. I am the original creditor and BMO HARRIS BANK N.A . have not verified where the credit came from because banks can not give credit nor loan money. If called upon to testify as a witness I the consumer and original creditor shall so state herein. This consumer credit transaction was unjust and I had not equity in it. Exhibits attached show my attempt to collect on my money that I loan BMO HARRIS BANK N.A . but the haven't did so as of XX/XX/2020. Exhibits showing my efforts for BMO HARRIS BANK N.A . to rectify this matter.
|
| 10/27/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
My savings, money market, and checking accounts were all closed unexpectedly. The reason given was that I did not respond to an email about completing my account setup process. However, on XX/XX/XXXX I did call the bank and mentioned that I had received an email asking me to call in. I was told that everything regarding my account looked good, and that I did not have to do anything else.
I also established online automated transfers, which later required me to submit my signature through the mail which I did.
On XX/XX/XXXX my accounts were closed with no email confirmation, phone, or voicemail logs stating that this was going to occur on that day. The reason given after I called in was that I did not respond to the email that was sent. They said that I called the wrong number and spoke with the wrong department, however I called using the normal BMO Harris bank phone number. I was not told I needed to call back to get transferred to another department or anything else of that nature.
|
| 12/06/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I initiated couple of outgoing transfers ( {$80000.00} and {$10000.00} ) from my BMO XXXX XXXX account ending in XXXX to my XXXX account on XX/XX/2023 and XX/XX/2023. BMO initiated a review for both transactions. I got a call from BMO XXXX on XXXX XXXX XXXX XXXX XXXX which I could not answer. BMO left a voice message to call back to XXXX and immediately put a freeze on my account. Currently, I am not able to log into the account. I tried calling back to this number multiple times and it went to voice message which was full. I also tried calling BMO 's customer service number XXXX. I waited for more than 2 hours and eventually got connected to a representative. He was not so helpful and asked me to call back to XXXX. I tried calling this number again and got routed to voice mail. When I searched about this issue in XXXX, looks like others are facing similar issues. Please see the last review comments in this link - XXXX XXXX XXXXbmoXXXX I also raised a complaint with FDIC. Case XXXX XXXX
|
| 10/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Company communicating payment assistance or payment extension options
|
|
Web |
|
|
I had an auto loan through Bank of the West that was purchased by BMO bank. After a couple months of falling behind on my payments due to family hardship I realized that I needed to refinance or trade my truck in to lower the payments. The day I was going to trade the truck it was repossessed the night before. I contacted BMO and explained that I had a buyer willing to pay off the truck and asked for them to hold it 10 business days so the transaction could process. They said that were willing to work with me but when u had the dealership contact them for a final payoff amount they told the dealership that they would only take cash or debit card knowing the dealership would send a cashiers check. Im not understanding why if I made the trade a week before they would have taken the cashier check but now they wont. Im trying to avoid having this repo go on my credit and cause even further hardship. There has to be a solution as I have a way to pay the entire amount owed on the truck.
|
| 10/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
XX/XX/2023 I went into a BMO Harris bank to withdrawal. I presented ID and I signed with my initials rather than signature. I was denied because of my initials such that I was not asked to present a 2nd ID. Thus I called BMO Harris and they stated usually you show two forms of ID for which the manager did not request two IDs but I presented them anyways as a concern of fraud on the business end to not process my transaction even if I verified who I am over the phone thus this still was not good enough. I was denied instead of the manager recognizing her fault thus I was denied my withdrawal and essentially I was also going to close the account after the first withdrawal leading to a second withdrawal for all funds. I decided to pull fund manually from the account as a concern for deception of the local bank trying to cause a scene and harass the customer when I verified myself over the phone and this was truly authenticated. Hostile concerns even with two separate IDs presented.
|
| 08/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
The servicing of my mortgage was transferred to BMO Harris Bank in the beginning of 2022. On XXXX XXXX, I received a letter for the City of Philadelphia stating that my real estate taxes weren't paid. My taxes are included as part of my mortgage payment. I contacted BMO Harris Bank and they sent me a letter dated XXXX XXXX that the taxes in the amount of {$2800.00} were paid to the City of Philadelphia on XX/XX/2022. The City of Philadelphia would not accept that letter as proof of payment- they wanted a copy of the cancelled check. I contact BMO 2x in the past month requesting a copy of the check. I still haven't received anything. At this point, the City of Philadelphia has sent the claim to XXXX XXXX XXXX- a collection agency. I did contact them to explain the situation, but they also need proof of payment. I don't have time to continue to call BMO and start from the beginning with the customer service rep and explain the situation. Any help is greatly appreciated. Thank you.
|
| 10/30/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a new checking account in XXXX with BMO 's promotion for a {$200.00} account sign up if you had two direct deposits within the first 90 days. The terms specifically listed that the direct deposit included government payments. I went out on XXXX XXXX in XXXX and started receiving XXXX payments from the state of california. These are processed electronically through XXXX XXXX XXXX as they are loaded onto a debit card. You can then direct deposit ( the website specifically shows this term ) into your checking account online. After receiving benefits I direct deposited the amounts to both my new BMO account and my older XXXX XXXX account. On my XXXX XXXX account it shows up as a direct deposit for the category type. For BMO they are telling me it is a fund transfer and I am therefore not eligible for the account promotion, despite them listing government payments as a valid direct deposit. After much interaction with their customer service online I have not been helped.
|
| 03/23/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
My former company, XXXX XXXX XXXX XXXX XXXX, opened up a credit card in my name when I started working there. The card had my name on it and theres. I didnt want the card, but they insisted I have it for travel expenses. I was unexpectedly laid off from there in XX/XX/2022. Since then, XXXX XXXX has been calling me and writing letters that I owe them over {$3000.00}. I have repeatedly told them I no longer have access to the account and the card was closed by my employer but they wont stop. The card company had a special site for employees to access for card info. However, I can no longer access it. I havent used this card and have no idea what the charges are for. No one at XXXX XXXX can tell me anything except that I owe them money and have been sent to collections. They are threatening to ruin my credit for a corporate card that I no longer have and havent worked at the company since last year. I called XXXX XXXX and they wont even give me an address to write to someone.
|
| 12/22/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
In XXXX, I applied for a Home Equity Loan through BMO Harris. At the start of the process I was told it would take four weeks and close on XXXX XXXX, 2015. Then I was told due to the CFPB guidelines that it would be closed before XXXX XXXX ( " Unfortunately, it is a little frustrating for customers and myself, because the process is taking a little longer than normal due to new CFPB regulations ( Consumer Financial Protection Bureau ). I apologize for the length of time it has taken to process the loan '' ). The loan was not cleared to close until XXXX XXXX, at which I signed the documents. It is now XXXX XXXX and the funds have still not been released. I have spoke with BMO and have been told that the CFPB allows them to begin processing the loan and releasing the funds after 4 business days from the signing of the loan documents. Now where is this stated on the CFPB 's website. I would like a clear understanding and thorough investigation into the practices of BMO Harris.
|
| 12/28/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
Older American |
|
I have a XXXX with BMO. I did not realize that my unpaid balance was {$0.00} in XXXX 2023 and made a $ XXXX payment. When I realized this, I went to the bank but was told that they could not resolve the issue and that I have to call the mortgage department. I called the number given to me and was told that the excess payment was sent to XXXX. I called the XXXX department and was told that they have mailed a refund. I recently changed residence but have provided the bank my new address. The post office is also aware of my move and forwards all mail. The XXXX company claimed that my address was not changed and that the refund was sent to my old address and to call at the end of XXXX 2023. I called at the end of XXXX 2023 and was told that a new refund will be mailed to my new address. As of date, no refund has been received and I am not receiving any interest on this money. I believe the bank is intentionally making excuses to hold on to money without providing interest.
|
| 05/27/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
|
|
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.
|
| 05/10/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
|
|
On XX/XX/XXXX, I paid {$85.00} via XXXX for a product/service to be delivered by XX/XX/XXXX. On XX/XX/XXXX, I received a message from the vendor stating she was not able to provide the product/service anymore. I requested a refund and the vendor agreed to send me the refund on XX/XX/XXXX. After not receiving the refund I reached back out on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX the vendor blocked me on social media.
On XX/XX/XXXX, I reached out to Bank of the West to file a fraud claim. One week later the bank denied the claim. On XX/XX/XXXX, I reached back out to the bank to dispute the findings and they agreed to look at my claim again. I had not heard back regarding my second attempt at a refund so I called the bank back on XX/XX/XXXX. At this point, the bank let me know my claim was once again rejected and I could no longer take further action. I have been defrauded by the vendor and the bank refuses to protect me by refunding me.
|
| 08/06/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
Older American |
|
This is a simple problem and the document is the account itself. For 25 years we had a secure Savings account at BMO Harris, XXXX XXXX branch in which I also put my Social security. They always assured us that this was an account requiring two signatures as grand fathered in. All the statement from the Bank itself described the account as follows, this from XXXX XXXXand later assured the same they always checked two signatures on site.
XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Two signatures required** We were assured always and also specified a single exit in s document that no money could leave this account but to XXXX XXXX XXXX only Yet To My shock this bank transferred {$70.00}, XXXX from this account to some Fraud Online without an Ok from neither of us and certainly no two signatures required. This was a fraud, and this money should never have been released given the fact that the account title itself said that " two signatures required ''. That's the bank error
|
| 11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
My husband, XXXX XXXX XXXX, and I recently ( 9/23 ) opened a HELOC with Bank of the West ( Which has then since been acquired by BM O, NA ). The Bank never sent us ( either via mail or e-mail ) any statement pertaining to any outstanding balance.
I later found out that we were 60 days late on payment
from the Credit Bureaus. We immediately contacted the bank ( now BMO ). They informed us that these statements had been deposited to our online access space, of which I was unaware as the Bank of the West had been acquired by BMO and they were still transitioning to a new " unfamiliar '' user interface.
Suffice to say that I paid the outstanding balance the same day and put the future payments to " auto-debit ''. I have thus far contacted the Bank and even my relationship XXXX, XXXX XXXX XXXX, but to no avail. We have never ever been late or defaulted on any Bank obligation thus far and I find this instance and lack their response to our concerns rather malicious.
|
| 08/05/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Requested a new account opening online on XX/XX/XXXX and was told that follow-ups were required. Two options were presented ( mail and in-branch ). I opted to go in branch to complete the application. Went into branch on XX/XX/XXXX ( XXXX XXXX XXXX, XXXX ) and representative said they could n't complete the application online and needed to open a new account ( which I obliged ). Once complete, I received written and email notifications to complete my online application. When I called back/online chatted, I was told to ignore the notifications as my account was setup. Fast forward to XX/XX/XXXX when my account was closed down. Furthermore, I had a {$1000.00} direct deposit setup for XX/XX/XXXX which BMO Harris branch ( I visited the same XXXX on XX/XX/XXXX ) claims that they ca n't see despite what the online support team says. I am now without a bank account and {$2600.00} ( direct deposit amount from employer plus the existing balance that was mailed to me ).
|
| 02/28/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I'm having a very serious issue at the moment with BMO Harris Bank. XX/XX/XXXX a payment was made for XXXX, with a due date of XX/XX/XXXX for the amount of {$220.00}. XX/XX/XXXX, the Installment loan was closed without any warning and I have no idea where my funds went. XX/XX/XXXX I entered the BMO Harris location where the Installment was opened up. I was told there was no record of the funds at the current moment, by a Retail Relationship Banker by the name of " XXXX XXXX XXXX XXXX XXXX XXXXXXXX, there is no location of the account at the moment. She also made me aware I was on the " DO NOT CALL '' list, which she agreed was very odd. Why would I request for my bank to not call me? I was given Corporate number to call at XXXX. After speaking with " XXXX XXXX '' Resolution Team Specialist '' at the Corporate office, she was also unable to locate the installment loan. At this point I believe I was scammed by BMO Harris. How do you misplace installment loans.
|
| 09/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I have BMO Harris - relationship checking account.
It seems this BMO Harris - online banking is done by some really incapable people because nothing works. On top of that - their support is really pathetic - one after the other transfer and they have no idea what they are supporting.
I had an issue to open the account online. Later I need to spend 1.5 hours on phone to get the account opened. Now I am getting another issue : warning -> You must validate your email address before you can transfer funds.
When ever I want to transfer money out of BMO to external bank account. I am getting the warning message that " You must validate your email address before you can transfer funds '' due to this funds can not be transferred from BMO account to some other accounts of mine.
I put the same code that I got on the email but still the same issue.
Called BMO at around XXXXXXXX XXXX Central time - no help from customer service and then useless phone transfer.
|
| 06/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I paid off a vehicle loan with BMO Harris on XX/XX/XXXX.
BMO Harris subsequently took my normal loan payment amount of {$230.00} out of my account on XX/XX/XXXX.
I reviewed my BMO Harris online portal and confirmed there was no option to cancel payments ( as the loan was paid off the account was closed ).
I subsequently sent BMO Harris a message using their online portal informing them of the issue and requesting a refund of the illegal withdrawal.
BMO Harris responded saying they would refund the money and account the closed.
On XX/XX/XXXX I received an automated email from BMO Harris stating they would withdraw funds for my payment in 3 business days. I immediately called BMO Harris and spoke to a woman on the phone. She said the account was closed and automatic payments were canceled. However, she would mail me a form to sign and complete to ensure fund weren't withdrawn.
ON XX/XX/XXXX BMO Harris withdrew another {$230.00} from my account.
|
| 07/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I opened a free checking account on XX/XX/20 with a {$100.00} opening deposit from another bank account of mine.
On or about XX/XX/20, I received a letter dated XX/XX/20 that said I needed to come in to a branch with documents to verify my identity or my account would be closed by XX/XX/20.
The nearest BMO branch to my home is a two hour drive one way, and receiving the letter almost 10 days after it was postmarked caused me to just give up trying to fix the problem and I planned to just wait for the account to be closed and my opening deposit to be refunded.
I have not received that opening deposit refund as of today, XX/XX/20, over a full month after the account was opened and 22 days after the account was supposed to have been closed. I called BMO today and the agent I spoke with said a cashiers check was sent XX/XX/20 to the address on file, but when I said I hadn't received it, she said all I could do to get my money back was go to a branch.
|
| 03/12/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
on XX/XX/2018 I had a taxi ride from XXXX airport to my home and was charged two times for one ride. There are two charges for exactly {$39.00} from XXXX XXXX XXXX on XX/XX/18.
When I called XXXX XXXX XXXXXXXX Master Card I was told I can not dispute a bad charge once it is past 100 days old. They were able to confirm seeing the two identical charges the same day from the taxi company yet they refused to dispute the charge and asked me to call the cab company.
I called the cab company, XXXX XXXX XXXX XXXX and they said they have no records from last year and instructed me to call XXXX who handles their billing. I called XXXX XXXX and they also confirmed they see the double charge, but could not help due to the amount of time that had passed.
I have attached a copy of the credit card bill which shows the two {$39.00} charges from XX/XX/18. ( There is also a {$39.00} charge from XX/XX/XXXX but nothing wrong with that ) Best wishes, XXXX XXXX XXXX
|
| 08/06/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
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
|
| 07/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I paid of my loan with BMO Harris bank on XX/XX/XXXX and the bank proceeded to take another loan payment from our bank account. I called the bank on XX/XX/XXXX once, I found out that another loan payment was being pulled for XXXX dollars. The representative XXXX assured me that the future payments would stop and the funds would not pull from my account. The funds did pull from my account and I valued again and spoke with an XXXX who assured me a check would be sent back in the mail within 24 hours. However, I did not receive the check by XX/XX/XXXX. I called again, now I have hours invested in trying to recover my money. I spoke with a XXXX who assured me he would call me within 24 hours to a resolution to the over payment, Surprise never heard from this representative and now I want my money back with interest and a penalty from BMO Harris Bank. I am not spending any more time with their representatives and having no resolution to this issue.
|
| 05/06/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
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.
|
| 06/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I decided to use XXXX XXXX due to a direct deposit promotion that they offered on their checking account. I moved my employer direct deposit to this account and was receiving XXXX-monthly direct deposits of XXXX to the account. Once I had reached XXXX direct deposits of XXXX XXXX XXXX total ) they promised to deposit an additional XXXX promotion bonus in my account. When at XXXX ( right before the last XXXX was set to deposit ) they inexplicably closed my account. I believe this was a fraudulent and predatory move in order to avoid honoring their promotion. My employer still attempted to direct deposit the XXXX which didn't work, and my money was lost in the shuffle for quite some time. The company needs to honor their XXXX promotion bonus ( which can be deposited in the savings account I have with them that they did not inexplicably close ), and compensate me for many hours of trying to solve this / work with my employer and other banks.
|
| 08/11/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I have been a BMO Harris Bank customer since XX/XX/2020, a full year, and I have been using the smart money account ever since. Simple account, no overdrafts, no worrying about checks or hidden fees. However, after trying to open a savings account I have been denied several times and I don't know why. I don't know if its discrimination or because they don't like they way I look, it is completely ridiculous how I've been loyal to this bank for a year only to be rejected by trying to utilized their other products. What's the point. I looked at my chexsystems report, nothing bad was reported I assume, I called and tried figuring it out but the banks don't have to say what it is which leaves me clueless. I've reported XXXX XXXX XXXX XXXX XXXX for the same reason. all I want is to not be treated like a criminal while there are real life criminals committing crimes and not being held accountable. Is this how we treat our working class customers?
|
| 07/06/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
Older American |
|
On XX/XX/2022, I sent {$100000.00} to the XXXX XXXX XXXX for service for a trade transaction I thought I was doing business with a real company which is why I transferred via BMO Harris Bank. In addition, on XX/XX/2022, this company requested an additional fee and I sent an additional {$56000.00} to the XXXX XXXX again via BMO Harris Bank. The XXXX XXXX XXXX is a fraudulent company BMO Harris Bank is apparently enabling their illegal activities. I have gone back and forth with my bank and BMO Harris bank. BMO Harris Bank refuses to cooperate in rectifying this matter with my bank and my bank is telling me to contact XXXX XXXX XXXX which is a total fraud.
Recently, a business colleague of mine got an invoice from another company however the receiving bank account was the same exact XXXX XXXX XXXX at the BMO Harris Bank. Overall, XXXX XXXX is allowing the XXXX XXXX to commit criminal activities within their esteemed financial institution.
|
| 09/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I have checking & savings accounts with Bank of the West. Bank of the West has been merged with a XXXX entity called XXXX. As of XX/XX/XXXX. XXXX, I have been unable to access my accounts online. I tried several times to go through their online process, complete their forms & provide required information. It didn't work. I keep getting error messages.
The Customer Service telephone number is fully automated. It requires a " Telephone Banking Password. '' There is no way to get this password because I can't penetrate their systems. I am locked out of my bank accounts & can't get in touch with a human to help untangle this mess.
There is no " contact us '' email possibility on their website.
I can't use my debit card, access ATM funds, pay bills, buy food, etc. I need money to survive. What can I do??
XXXX has my contact info, my email address, my telephone number, etc. I have NO WAY to contact them directly to resolve this problem.
|
| 01/14/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
On XX/XX/20, I contacted BMO Harris Bank via phone to close my checking account that has {$0.00} in it. I was asked to verify my identity, and even though I am 100 % sure I answered all the verification questions correctly, I was told that my identity has to be verified another way. Consequently, I opted to have my identity verified through a text message associated with my phone number. I repeated to the representative the confirmation code I was sent, but again, I was told that I'll have to be verified another way. Now, I'll have to send BMO Harris Bank a copy of a current photo ID that has to be notarized ... .. Seriously, what bank asks for a form of photo ID that has to be notarized. I'm not spending around {$10.00} in order to close a checking account. I demand that my account be closed immediately and sent an apology for having wasted my time because of BMO Harris Bank 's antiquated and ineffective forms of identity verification.
|
| 12/07/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Dear sir,
1. I recently realized that a check I wrote and sent through mail to somebody has not been delivered even after 30 days.
2. I called up the BMO-Harris bank on XX/XX/2019 to freeze the check and to check for any other options.
3. After more than 60 min hold and back and fourth questions, the associate said, there is a lot of fraud happening. So, the best options they can offer me is to freeze the account immediately and next day morning (specifically at XXXX XXXX EST, the next day) somebody from their sales team will call me to set up a new account. Since their branch is not available in XXXX, Ga, this is best option they could offer me. He also gave me a specific time at which somebody will call me.
4. It is been more than 4 days, nobody called me. My money is frozen (> $ 7000). I can not sit on the phone to deal with customer service anymore.
I demand a compensation for this inconvenience from them.
Thanks,
-XXXX XXXX
|
| 10/24/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a XXXX checking account with BMO Harris in XX/XX/2022 and completed all terms associated with a {$500.00} cash bonus. I had direct deposits totaling {$8000.00} during the evaluation period, greater than the {$7500.00} needed. BMO credited me {$300.00}, an amount associated with another lesser bonus. In an attempt to get BMO to resolve the problem, I called multiple times. Every one of the 4 times I called I could not make any progress toward a resolution. The employee that I got the farthest with said it appears that I did everything I needed to do to earn the {$500.00} bonus but he couldn't fix it or reach the department that could. XXXXwo calls were dropped. Once, I was transferred to a loud static sound. I have spoken with 4 people that were unable to help. I do not have hours to waste trying to contact this poorly functioning institution. I have completed the terms. BMO must follow through on its side of the agreement.
|
| 10/26/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Three accounts opened online in XX/XX/2018 with {$1000.00} each for a total of {$3000.00}. BMO has frozen accounts and continues to charge {$7.00} in fees per month while I have no access to my funds. Multiple 30 minute phone calls with BMO customer service and no resolution. Advised to call 'XXXX XXXX. ' in fraud department, called and left message with my call not returned. Received email asking for documents to proof identity, returned email with all requested documents in a timely manner. No response.
Went into branch on XX/XX/18 to verify identity and resolve but the branch was also unable to unfreeze my account and refused to refund the fees that continued to accrue. Asked if I could just close my accounts and get back my {$3000.00} deposit but was told the {$14.00} in fees will not be returned.
Unacceptable to freeze account, charge fees and refuse to unfreeze account even after identity verification completed in branch.
|
| 04/29/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
We sold our motorhome. The purchasers bank, XXXX XXXX, paid off our loan with Bank of the West. We received a letter from Bank of the West dated XX/XX/XXXX, that Bank of the West sent a lien release to XXXX XXXX. Bank of the West has not sent the title. I have called Bank of the West, my husband has called as has XXXX XXXX of XXXX XXXX, all to no avail. XXXX XXXX received the release of lien letter but no title. The title is a XXXX title.
Bank of the West told me that the DMV has to fax a request.
We just want the XXXX title.
I wont even get into how Bank of the West failed to release the title to the State of XXXX, on three requests, when we moved to XXXX in XX/XX/XXXX.
On top of it all, XXXX is a title holding state, so they should have mailed us the title months ago.
I am so happy to no longer have business with Bank of the West. We would just like the title to the motorhome, so the purchaser can register it in Florida.
|
| 02/03/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
BMO Harris is providing its customers an interest rate lower that what they advertise in their marketing.
I opened a savings account on XX/XX/2023 with BMO Harris that advertised an interest rate of 4.20 %.
https : //www.bmoharris.com/main/personal/onlinesavingsaccount/? XXXX Once the account was opened on XX/XX/2023 I was informed via my account profile on BMO Harris ' website that the interest rate is 4.114 %.
Following the instructions in the Product Disclosure I called BMO Harris at XXXX to learn the current interest rates for the account on XX/XX/2023. The employee on the phone confirmed that the advertised interest rate was 4.20 % and that the interest rate on my account is 4.114 %.
They were unable to provide additional details about the current interest rates or clarify any additional terms or conditions of the current interest rate.
https : //www.bmoharris.com/pdf/disclosures/BMO_Harris_Online_Savings_reg_dd.pdf
|
| 01/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I had a customer service experience over the phone with BMO so bad I was wanting my employer to let me go home early and recover and miss my shift. It was so horrible I found the CFPB complaint utterly scathing against the bank. Shortly afterwards I got the letter overnighted to me via XXXX air. It was saying that on XX/XX/2023 I was going to be kicked out of the bank and I need to find new places. This was completely against my will but Ive been having such a terrible experience Ive didnt try to fight it.
After that experience I just sit back and wait for the check to arrive. The credit union I went to instead of BMO I like much much better and dont even want to go back to BMO Harris Bank XXXX
Now theyre saying I will probably have to pay a notary to get my money out and go through a Kafkaesque process.
A good while back my identity got stolen in my accounts cleaned out and Im just not going to repeat that process again.
|
| 08/27/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
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.
|
| 03/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a BMO Harris Smart Advantage Checking Account on XX/XX/XXXX. There was {$400.00} bonus if I met the requirements. The requirements were {$6000.00} in direct deposits within 150 days, turn on paperless statements within 150 days, 10 debit cards transactions within 150 days. I met all of these. The direct deposits came from XXXX. All the requirements were met by XX/XX/XXXX. I messaged BMO Harris twice - once in XXXX and once in XXXX and got no response. I called them on XX/XX/XXXX and was informed I didn't meet the requirements, but wouldn't tell me which one ( of the 3 ). I complained further that day and talked to someone higher up. Eventually they said I met the requirements and I would get the {$400.00} within 2 weeks. On XX/XX/XXXX ( 15 days later ), I still hadn't received the {$400.00}. So I called BMO Harris and they said they asked for further proof of the direct deposits. I never received any message about this.
|
| 04/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Diners Club states on their website at https : XXXX. as below.
However the reality is that Diners Club XXXX XXXX does not accept merchant disputes and does not investigate anything, and has no consumer protection against unscrupulous merchants. Diners club XXXX XXXX has no functionality for submitting disputes online, and if you try to call them, they will tell you that they are simply a payment processor and will not get involved in merchant Disputes 'Q : How do I dispute a charge?
A : Transactions can be disputed by phone, in writing, or directly from your online statement. Online just enter the necessary information and submit the form. Written notification of dispute should be mailed to Diners Club, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Your inquiry is sent directly to our Customer Service Research Department. It usually takes from 45 to 60 days to research a dispute. You can also contact Customer Service at XXXX ( XXXX ).
|
| 04/24/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
My complaint involves BMO Harris Bank NA. I filed bankruptcy on them over 10 years ago on a second mortgage. I have been trying to negotiate the second mortgage for almost two years now. BMO Harris Bank NA, ran a hard inquiry on my credit bureaus, XX/XX/XXXX of 2019. At that time we were in negotiations for a settlement. I was not aware they ran my credit, nor did I give them the authority to run my credit. After they ran my credit, they saw that I had a good credit score, and decided to settle for the full amount. I know they illegally ran my credit without my consent or any signatures. This also influenced their decision with their settlement amount. I am filing the complaint today because I want action taken against BMO Harris Bank NA for running my credit without my consent. Also I would like to know if I have any legal Avenues against them? Such as filing a lawsuit against them, or suing them in state or federal court.
|
| 05/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Hi, my BMO Harris bank checking account has been closed on XX/XX/XXXX. I had a negitive balance of {$170.00} that i new of and had the money short after they closed the account. During this coronavirus pandemic crisis they still closed my account without any warning or calls besides one email that said the account will be closed because of insufficient funds. And not allowing me time to pay them during this crises. I called the main corporate office and they just told me all i have to do is go to the branch give them what i owe and they would reopen the account as soon as i make it current from the drive through. Well i tried to make the deposit and the teller at the branch told me i couldnt and it is not that easy, telling me it will take up to 7 weeks because it is alot more complicated than that. I feel during this pandemic they should have made sure the bank account wasnt ever closed because i have to have it open now.
|
| 05/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I have been attempting to set up an escrow payment account with BMO Harris mortgage company since the beginning of the year. After a series of errors and delays,, the company finally collected the amount of {$3800.00} to an escrow account. on or about XX/XX/2021. However, the company has never started my escrow payments on my monthly bills. I have made numerous calls to the Customer Service number XXXX, and am always told the issue is pending and will be resolved '' tomorrow, '' or " next week, " but they will not allow me to speak to the escrow department. They always say they are escalating the issue for action.
I was promised the account would be active for XXXX, then they changed it to XXXX. Now we have missed the XXXX billing period so it is pushed to XXXX. The taxes will be due to XXXX XXXX County by XX/XX/2021 so we need to get going! I have tried to work this out with the company but nothing has been accompished.
|
| 04/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
XX/XX/2021 XXXX took an unauthorized payment from my BMO Harris checking account. Causing my account to appear negative {$360.00} including the {$36.00} over draft fee. Now the defamatory implication to my credit history as am attempt is on line. I only encounter these types of banking issues when there is a third party form of unprofessionalism and technological distorted abuse as practice making or showing an unfair or prejudicial distinction between different categories of people or things. I have been in contact with XXXX since Monday XX/XX/2021 I was told it takes 1-2 days to reverse it is now Wednesday the XXXX day. Today I put a dispute in to BMO Harris professional XXXX and they are now only waving 50 % of the over draft fee. This is not acceptable professionalism. He contacted his manager XXXX and still no resolve. I am disheartened by this attempt to defame my creditability and feel the disparity. Please resolve
|
| 12/15/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have answered multiple times on my old phone told them to STOP CALLING this has been going on every week on mornings at XXXX & im an overnight worker so I'm sleeping for over 2 years now or longer I blocked their number but it shows the missed calls for months so when I got my new phone I unblock the number again to see if I work with them on this but I'm no longer going to work with them since even after being told they are harassing me they continue to do so I am contemplating on getting with an attorney to open a lawsuit because at this Point I feel they owe me payment!
I will attach screenshot & ANY calls with time stamps is me answering informing them to stop calling as my phone won't log any time stamps without actually answering this is the evidence that I have Please note I can also charge the 2 other phones I have with the same missed call log & me answering telling them to stop or they have the wrong number
|
| 10/23/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Last year in XXXX, I opened a brand new checking and savings account at BMO bank with bonus promotion.
They promised my that the bonus will be automatically deposit to my bank accounts after qualifying days, which should not be later than XX/XX/2019. In XXXX, I was called on Military XXXX XXXX order, after I went back from the order in XX/XX/2019. I still didn't see the bonus in my both accounts, so I called the banker in XXXX XXXX, WI. I was informed that the bonus will be deposit to my accounts soon. After a couple of weeks, i only saw the bonus in my checking account, not savings ans with addition paperless statement bonus ( {$50.00} ). Up until now, I still have not got any bonus in my saving account.
This is against the terms and condition policy of BMO bank when I opened my accounts with them. Now, it made me believe that BMO bank does not have ethical code of conduct and integrity to do business with customers.
|
| 02/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
I've called XXXX spoke to a customer rep XXXX on XX/XX/XXXX regarding a refund of {$1200.00} sent from XXXX credit card XXXX with trace # XXXX on XX/XX/XXXX to BMO Harris Bank XXXX no one called me back after XXXX hours, I called again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the reps XXXX XXXX XXXX and another lady ( forgot to ask her name ) told me that they did not know what to do and hanged phone call on me.
I called again on XX/XX/XXXX with a conference call with XXXX credit card XXXX XXXX, was able to reach out to XXXX at XXXX ; however, XXXX said that she's unable to allocate the refund of {$1200.00} and that she would have to spend anotehr XXXX hours to reach.
I would like to reqeust BMO Harris Bank to locate the refunds of {$1200.00} via their master car bill processor and adjust the 4 % bank transfer fees of $ original amount of {$2400.00} to XXXX, which is {$49.00} fee adjustment back to my credit card ASAP.
|
| 01/25/2016 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
We had a XXXX XXXX walk away from us in the middle of a project. He asked for XXXX checks from us. XXXX in which I called XXXX XXXX to have cancelled - however they never cancelled the check and the fraudulant XXXX walked away with twice the amount of money he should have taken us for. I provided a customer service rep with the check number and the amount which needed to be cancelled. To my surprise a check for {$45.00} was cancelled instead of the check for {$7500.00} ( check number XXXX ). Since the following check to the fraudualnt XXXX was also cashed, I am at a loss of {$15000.00} instead of {$7500.00} due to harris bank not properly canceling the first check. When I spoke with Multiple layers of management, they told me there was nothing they could do because they claim I gave them the wrong check number.
They should have never allowed the {$7500.00} to leave my bank account and should be liable for such a loss.
|
| 10/01/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
Older American |
|
XXXX Account with BMO Harris Bank was fraudulently opened online w/o my consent XXXX Upon discovery of the fraud, I filed with Identitytheft.gov and placed a Security freeze with XXXX. I contacted the credit bureaus. I provided to BMO Harris a Notice to Furnisher, as well as a copy of the FTC Identity Theft Report informing them of the fraud. They were also notified by phone and promised to close the account.
XXXX After receiving a statement reflecting the account as still open, I wrote again asking them to close it and provide me written proof of doing so. I called, as well, and was promised this would be done.
XXXX After continuing to receive monthly statements reflecting the account as still open, I wrote again asking them to close it and provide me written proof of doing so. I called, as well, and was promised this would be done.
XXXX I received another statement showing the account is still open and active.
|
| 10/21/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I opened a checking account with BMO Harris Bank and opted in to " overdraft protection '' however after several attempts and even causing me to be stranded they will NOT allow me to overdraft account for purchases or via atm such as other banks do up to a certain amount with fees for the overdraft BMO Harris refuses to allow my account to overdraft and I was stranded one time also BMO Harris bank promised to provide a {$200.00} just for opening an account in 90 days however did not do so and even promised {$50.00} for enrollment into paperless statements and refuse to do so they need investigated for false advertisement I was never told by Branch Manager in XXXX Ks for the {$200.00} u must have {$600.00} in deposits each month for the {$200.00} reward bonus until I called BmO bank customer service and learned that they are a XXXX bank I encourage anyone reading this to utilize another bank!!! Shame on BmO Harris Bank
|
| 05/24/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I WAS CHARGED FOR SOMETHING I DID NOT AUTHORIZE AND I NEVER DID BUSINESS WITH THIS COMPANY.. I CALLED XXXX XXXX XXXX XXXX BACK IN XX/XX/XXXX WHEN CHARGE WAS ON MY STATEMENTS TO REPORT FRAUD WELL I NEVER RECIEVED THE CREDIT BACK FROM THEM, SO I CALLED THEM AGAIN THIS YEAR AND THEY ARE NOW TELLING ME THAT I NEVER FILED FRAUD WITH THEM ... I TOLD THEM I DID BACK IN XX/XX/XXXX AND I WANT MY MONEY BACK. THE REP TOLD ME THAT IT WAS TOO LATE AND THEY CAN ONLY GO BACK 30 DAYS I ASKED FOR A MANAGER SO MANAGER XXXX CAME ON AND TOLD ME I ONLY HAD 60 DAYS TO REPORT I TOLD HER I REPORTED IT BACK WHEN IT HAPPEN AND SHE SAID I DIDNT ... THIS IS SENIOR CITIZEN ABUSE AND THEY SHOULD BACK ME AS A CLIENT.. PLEASE HELP ME GET MY MONEY BACK I AM LIVING ON A FIXED INCOME. I WILL LIST THE CHARGE FOR YOU XX/XX/XXXX HELP FOR TIMESHARE BUT IT WAS UNDER ANOTHER NAME TOO SOMETHING XXXX.. FOR XXXX ON MY XXXX XXXX. PLEASE HELP ME GET MY MONEY BACK
|
| 02/05/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
Several years ago, all of my money disappeared from my bank account. I received no warning, and I was getting negative account balance fees piling on each other day after day ... My parents stole my money from me, {$20000.00} worth, in a custodial bank account. That by itself is a bit of grey area in the law. However, when I turned XXXX, I walked up to the bank teller, showed her my ID and she refused to open a bank account for me and refused to cancel my direct deposit from my place of work. Now this is completely illegal ... ... Also, over the years I have been acquiring evidence and presenting this evidence to my local BMO Harris branches. They have refused to give me my money bank that I made while working in XXXX XXXX at XXXX XXXX XXXX XXXX ... Along with all of the evidence, I have recently acquired a voicemail from a BMO Harris employee confirming that a large wire transfer happened out of my bank account.
|
| 10/09/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
My son a minor has a XXXX XXXX Account opened XX/XX/XXXX, which is protected by law not to allow any withdraw of funds until he turns 18 years of age. The Bank of the West which is now BMO of NA is withdrawing service fee of {$5.00} every month. I called customer service numerous times to be told that this is bank policy. I demanded the bank stop the service fee withdraws and to refund the already {$35.00} of debited service fees. At this rate, the account will be depleted of funds before my XXXX turns XXXX years of age. I was told by customer service that there will be negative funds and penalties if the account goes below XXXX balance.
Please, assist me to protect my XXXX by law from such tactics. This type of account was created to protect children and their hard work by Coogan Law.
I'm attaching a Court case " XXXX XXXX XXXX XXXX XXXX ( XXXX ) '' which demonstrates that this is illegal to do by the Bank.
|
| 10/02/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Older American, Servicemember |
|
In XX/XX/2023 I received a letter in the mail informing me that my auto loan with Bank of the West was being transferred to BMO BANK. All future payments beginning XXXX XXXX were to be made to BM0 Bank, On XXXX XXXX I authorized XXXX XXXX XXXX to send BM0 Bank {$900.00}, ( XXXX XXXX XXXX ) from my checking account, This transaction was made by electronic banking services which I use to pay my bill, In the authorization of this first BMO payment I entered an inaccurate account number. To this date BM0 has denied receiving the payment XXXX XXXX XXXX has been assisting in tracking this payment, Numerous telephone calls have been made and recorded by both banks. As of our last XXXX party conference call on XXXX XXXX, B3M0 Bank disconnected the call abruptly with no resolution or explanations, XXXX XXXX XXXX informed me they will have their legal debt, review the matter and suggested I report this matter to The XXXX
|
| 06/11/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I bought an auto in XX/XX/XXXX and financed with BMO Harris. My first payment which was set up as auto pay apparently never came out of my account due to their error in XX/XX/XXXX. So for 2.5 years it has been paid at 30 days past due without my knowledge. It did not hit my credit as it never reached 31 days. I called several times in the last 2.5 years to get a payoff and various things. NO ONE ever once mentioned the loan was being paid a month behind.
In XXXX I was granted 3 payment skips. They only skipped 2 because I was behind one but was never told even when they drew up the agreement that I would not have to make a payment for XXXX, XXXX and XX/XX/XXXX. A payment came out on XX/XX/XXXX anyway. I called several times. They were rude and horrible and treated me like a loser because " I should have know 2.5 years ago ( supposedly ) they had my check account in wrong and the very first payment was never made.
|
| 07/15/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Credit decision / Underwriting
|
|
Web |
|
|
I applied for a XXXX mortgage with BMO Harris ( 25 % personal cash down payment ) and was denied given the reasons of " Limited Credit Experience '' and " Unable to Verify Income. '' I have a XXXX imperial score, provided all information requested including source of funds, XXXX, and employer letter with my start date of XX/XX/XXXX that included compensation. I have history of credit cards paid in full, vehicle loan, as well as continuous employment since graduation from XXXX in XX/XX/XXXX and after a 1 Yr XXXX from XXXX University in XX/XX/XXXX. I feel my application was denied because of racial discrimination as an XXXX XXXX female and the bank is scrutinizing applications from XXXX, IL unfairly. Whereas in contrast, people with similar paper profiles ( education, income, credit score, employment history etc. ) are not denied in suburbs where the majority of the population is XXXX and the applicant is also XXXX.
|
| 10/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
Insurance paperless account was not paid as I had already had it running Bank of the west was my banker changed its name to BMO. When I changed my debit card from bank of the west to BMO .the bill paying accounts were met .so was involved in a auto accident and when i reported it informed didn't have insurance policy cover already before and working smoothly now when had failed me this the most .So when calling my insurance to inform or find out why I wasn't covered and what had happened they advised me that there records showe that came and then was with drawn leave me know choice but the call the BMO bank responsible for my smooth running account not properly leaving the money that would be saving my altercation and my proff of insurance All that that stands for when in a accident! And my going to be held guilty for the accident as Colorado law states uninsured motorist held guilty .Thank you for being patient
|
| 09/02/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
This is shocking, I had just filed a complaint because my funds were released contrary to the title of the account you have forwarded the complaint and this bizzare shocker. I made a new savings account in my name and the bank manager Gave me the Bank account card on my new savings account. I took that card in my wallet and informed social security and XXXX XXXX. Shocker XXXX XXXX told me that those account numbers were no mine and a fraud. I checked, those numbers on the card did not match the code .I went to the bank, the manager could not explain that fraud bank card is evidence,. I reported the matter as a police complaint, and it seems the manager has been fired?? at least I did not see here there again. I closed my account and have gone to another banmk. This is very serious XXXX other banks are shocked to see it the evidence which is with the police. This is BMO Harris XXXX XXXX branch at XXXX XXXX, XXXX
|
| 04/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Dispute for a refund due from XXXX online store. Purchase made in XX/XX/2022 but has not been refunded to this date despite XXXX saying they would refund.
A dispute attempt was made but then reversed after all the requested information was provided to bank of the west. Bank of the west then reversed the credit and requested more information. The information was provided, the bank then requested more information and that information has been provided to them. The dispute however was not restarted.
XXXX is telling to wait another week for a refund " to be processed '' but this keeps happening every time I contact them week after week. The merchant does not dispute a refund is owed. Bank of the west dispute employee XXXX XXXX has all the information she requested but at this point nothing seems to be progressing in terms of restarting the backcharge. The amount is XXXX XXXX order numer is XXXX XXXX CASE XXXX.
|
| 10/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/1990 Last 4 of XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account : BMO HARRIS ; Account # XXXX To Whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also having a PAST DUE BALANCE OF {$3400.00}.
This is a violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards.
According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate.
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.
XXXX XXXX
|
| 05/19/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened a money market account online with BMO Harris Bank on XX/XX/XXXX. I funded the account with funds in my checking account at XXXX. I received a phone call on XX/XX/XXXX from XXXX in the Fraud department at BMO Harris. I called him back on XX/XX/XXXX it went right to voicemail. He did not call me back. I called again. Again no response. I waited awhile and called customer service. They said my account was frozen and I had to speak with XXXX. Again no response. I waited again because of the Covid-19 situation but how long must I wait.
I recently used contact us to leave them a message regarding a problem depositing or withdrawing funds ( I can not ). I have now received a message back that I must call XXXX XXXX. I can not access my money and no one else will talk to me. This XXXX never calls me back or contacts me. I have NOT received any letter from the bank that there is any problem with my account.
|
| 12/22/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
In XX/XX/2019 I opened an account at the BMO Harris reacting to the mailing sent to me. The offer was for {$700.00} account opening bonus which was presented to the banker at the time of account openings.
Promo Code : XXXX As result I completed following requirements within 120 days of account opening : {$6000.00} of direct deposits or more ( actually XXXX was deposited through my employment with XXXX and XXXX XXXX ) 10 or more card transactions {$10000.00} or more balance kept at the Money Market account for 90 or more days.
To date I received only {$300.00} in bonus instead of {$700.00}. {$200.00} was credited to my MM account which is correct however the checking account received only {$100.00}. And the {$100.00} bonus was deposited on XX/XX/2019 even before the qualifying period ended leading me to the conclusion that the bank had no intention to fulfill the conditions of the promotion to begin with.
|
| 09/12/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
Older American |
|
This is with BMO Harris bank.
I have a HELOC loan with BMO Harris and have made 0 withdrawals. Last week I received my statement from BMO and it said their was a {$34000.00} withdrawal. This is a fraudulent transaction.
I reported the problem to BMO ( Initially only telephonically and subsequently via email ) and mentioned that I am closing on my house shortly and I would expect a zero balance.
To date, I can not get any substantive information from BMO and I am constantly shuffled between departments who say that they can not share any information with me. This is extremely frustrating since in these calls, BMO acknowledge themselves that the transaction is fraudulent.
I have no idea when this will be resolved and how it will effect my closing. I have no formal communication from BMO regarding this issue and I want to make sure my other accounts are not vulnerable. Really bad service in my book.
|
| 12/12/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I presented a cashiers check for {$12000.00} drawn on BMO Harris. They said they do not cash cashiers checks for non-account holders for over {$10000.00}. This, of course, give me no option to cash the check. I tell them they hare forcing to open an account. They say they are not. But the only way for me to access my funds is to open an account. I protest and I am upset by this but I have no choice.
This occurred today, XX/XX/2019 at about XXXX at BMO Harris branch at XXXX XXXX XXXX XXXX in XXXX. The banker, who clearly was ticked off, took two hours to open my account and while he had said the funds would be available in one day, he made me sign something saying the hold would be NINE days.
Thats nine days on a cashiers check drawn of a BMO Harris account being deposited in to another BMO account. This is outrageous. I need this nine day hold taken off immedaiately. Please help. Thank you, XXXX XXXX
|
| 01/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Not have I only tried to fix this issued with the management of BMO Harris Bank in writing, this is my second complaint to you. After the first one the VP of the bank wrote me an apology letter saying it will not happen again, yet they are doing it again. I pre-pay my loan quarterly, in the exact amount due, then they apply the payments to the principal and charge me late fees on the payments I have a already paid! This is an illegal practice, and they need to reimburse me and do a full accounting of my payments as they are deliberately trying to commit loan service fraud. Please contact them and audit them. As a former XXXX XXXX in the XXXX XXXX, i helped create the CFBP for this reason among other loan service acts of fraud and predatory lending. Please see my attached XXXX statement, which shows them doing the exact same thing. They are misaproproating my payments for profit. Thank you, XXXX XXXX
|
| 09/17/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a checking and savings account with an offer of {$300.00} for the checking and {$200.00} for the savings in BMO Harris Bank when I finish 2 direct deposit in 2 months and {$10000.00} balance on XX/XX/XXXX. I have already met all the requirements for more than 2 months. I opened the account with my friends together and they all got the bonus at the beginning of XX/XX/XXXX. But I never got it. I have called BMO Harris Bank 10s of times and every time they keep me waiting for more than 1 hour and then told me I have already met all the requirements and just need to wait a few days, one more week and next month. I have been waiting day by day, week by week and month by month for more than 3 months but I still got nothing. I spent more than 20 hours contact with them about this problem but haven't been solved.
That's the worst experience I ever have with a bank. I suffered a lot in the meantime.
|
| 08/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In accordance with the fair Credit reporting act, I sent this company multiple letters exercising my right to privacy, I explicitly informed them that I did not and never consented to REPORTING CONSUMER EXPERIENCE, yet this company continues to violate my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. I sent this company letter on XX/XX/2023 via USPS Certified Mail # XXXX to remove this inaccurate information that has already been PAID IN FULL, yet this company is continuing to report that the account is delinquent when they have in fact already been PAID IN FULL. This company is preventing me from opening bank accounts, I have been denied over 7 times and been hit with multiple hard inquiries as a direct result of this company 's actions.
|
| 04/02/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
I am writing this letter because I have a problem with XXXX and BMO harris bank because none of these tried to help me and I dont know whats going on I made a deposit in BMO bank for my broker " XXXX '' like two weeks ago when I was in XXXX visiting my family and the problem is that my broker " XXXX '' didnt accepted that deposit I mean they dont accepted the deposit that I made at the bank BMO HARRIS BANK XXXX and they told me that the money was given back but I dont know how is posible because I have no account with BMO I just made a deposit in cash and that is it SO XXXX WHO I made the deposit for SAYS there is no money at my XXXX account and BMO says that the money ( {$2400.00} USD ) is in my XXXX account and they can not give me back so I dont know what to do because I already returned to XXXX and is complicated for me to go back to USA so if you can help me it would be really usefull please
|
| 02/21/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Made {$2100.00} payment with all extra to be applied to principal. Normal payment is approximately {$720.00}. This is the 6th time along with another loan in the past year that BMO has not applied the extra principal or in this case the extra principal payment has disappeared completely from the payment. This last happen around XX/XX/18 where I filed a complaint with the Consumer Finacial Protection Bureau. Complaint # XXXX-XXXX. I have reached out to BMO Harris at my local branch, but they are having no success with corporate office on rectifying this problem. I have to believe they have either singled me out for harassment or the problem exists with thousands of BMO Harris mortgage holders. In either case there should be an external audit of their mortgage department. I am forward this complaint to the Arizona Attorney General and the Arizona and Illinois Division of Financial Institutions.
|
| 01/29/2024 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I'm in process of applying for mortgage and a co-op purchase, and the mortgage lender and the co-op board have requested a copy of a financial statement for my CD account at BMO Bank N.A., as a part of my asset verification process.
The statement was not readily available at the website, so I have contacted the customer service for some type of statement, verification of deposit, or any documentation that verifies my current balance and maturity date. However, BMO is unable to accommodate this simple request, so I can not make further progress on my mortgage/home purchase unless I close the account early and pay the early penalty so I can transfer the funds to another bank account where a statement can be readily produced. My mortgage lender says they should be able to provide some type of documentation, like even a quarterly statement, but BMO would refuse to provide this simple document.
|
| 01/06/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
Servicemember |
|
I opened a Smart Advantage checking account with BMO Harris on XX/XX/XXXX. The account advertised a {$200.00} Bonus if I had 2 Direct Deposits, each $ 300+, post within 90 days of account opening. I made these direct deposits, as well as returned my signature card, and complied with all other requirements of the checking account. There were no monthly fees and no minimum balances associated with the account. On XX/XX/XXXX, I inquired via eChat about the status of my bonus. I was informed that my account was closed on XX/XX/XXXX, without consent from me or even any communication from BMO Harris on its intentions to close the account. I asked to reopen the account and receive my bonus. Both requests were denied. I have attached a PDF picture of my account status, a quicken format of all account transactions, and a script of the eChat between BMO Harris and myself concerning the account status.
|
| 09/09/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Due to the pandemic, I was laid off from my job in XX/XX/2020. I called BMO Harris Bank at that time to see if they offered any assistance. At that time I was advised of their Covid-19 Payment Assistance Program, which would allow payment assistance for a predetermined amount of time. I was assured there would be no negative reporting to the credit bureaus while in the program. It was in XX/XX/2020 that I started the program. However, in XX/XX/2020, I was reported 30 days late to the credit bureaus. I am still currently in the program. I immediately called for help with this situation. I was advised that notes would be taken and someone would look into the situation. To date I have not returned to work, nor has this been resolved by BMO Harris Bank. Im very thankful for the program as it has been a tremendous help. I would just like the negative reporting while in the program to be removed.
|
| 05/10/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
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.
|
| 09/02/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I opened an account with BMO Harris bank under a promotion to receive a {$200.00} bonus after a maximum of 120 days. Per BMO I was to use promo code " XXXX '' which would be automatically applied and " have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. '' Here is my timeline of events : XXXX/XXXX/XXXX - account opened with promo code XXXX/XXXX/XXXX - deposit of {$500.00} from XXXX XXXX pension/retirement plan XXXX/XXXX/XXXX - deposit of {$500.00} from XXXX XXXX pension/retirement plan XXXX/XXXX/XXXX - closed account I closed my account after 150 days and no promotion bonus was received. I contacted customer service via echat but they advised they were unable to assist.
|
| 09/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have 2 fraudulent inquires with BMO HARRIS bank and XXXX XXXX that are reporting to my credit profile. I believe I am a victim of identity theft. On XXXX XXXX XXXX, someone applied for two credit cards in my name that I did not authorize. To be clear those inquires are with BMO HARRIS and XXXXXXXX XXXX. I know for a fact it is fraudulent because the information attached to the inquiry is incorrect. The address and the phone number are both incorrect!! This is negatively affecting my credit score because I am trying to get a new car and new house and banks see these new fraudulent inquiries reporting to my credit profile which can get me denied. I need these fraudulent inquires removed immediately. It is illegal to report false information to my credit report!! Please contact me back as soon as possible with these inquiries removed off my credit report!! Thank you!! My email is XXXX XXXX
|
| 09/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Back in XXXX, my debit card was pre charged for a hotel stay. During the check in process, the hotel cancelled this stay due to the fact I had a cat with me. When I had made the reservations their online page stated they are pet friendly or I never would have made the reservations. Nonetheless, the hotel reserves the right to cancel.
After 2 weeks and the funds from the cancelled reservations still had not reversed, I contacted my bank, BMO Harris. It took another 5 weeks after I reported this for BMO to issue me a provisionary refund.
As of last night ( XX/XX/23 ) BMO reversed the provisionary refund, leaving my account negative {$500.00}.
I had filed a police report in support of my claim. I provided BMO with a copy of the cancellation email I received from the hotels cancellation. I did everything they requested in order to receive my money back. Only for them to reverse the refund.
|
| 07/15/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
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.
|
| 11/07/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I have paid my mortgage down to 78 % and they will not drop my PMI without me paying XXXX for an appraisal. I was told if I paid down 20 % XXXX my PMI would be dropped no one mentioned an appraisal or me having to pay for it. Now they tell me no I have to pay until 2021 before my PMI is dropped. I have over paid each month over 350.00 to get this down. Now I am at 78 % XXXX so I want my PMI dropped. This could be monies used to pay down my house even faster. Bmo Harris said if I paid XXXX for an appraisal they will drop my PMI, why am I being punished for paying sooner. I do n't think this is fair. I was also told if I refinanced at the tune of XXXX they could drop my PMI. They have never said anything about if the appraisal does n't come back with enough value. I am not worried but that should be told to me as I could pay for an appraisal and still have to pay PMI. I feel this is shady.
|
| 02/01/2024 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/XXXX I noticed 2 unauthorized debits were taken from my checking account, on that very day, {$6000.00} to XXXX XXXX XXXX, who did not receive and funds and the second was {$4900.00} that was an online check payment made on my account from XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX to XXXX XXXX endorse and cashed at a XXXX Bank.
I went to the BMO branch and reported the fraud and filed the proper forms. The {$6000.00} was refunded to me on XXXX XXXX. However the other funds have not been refunded and they will not talk to me about my case and the branch said it's because it's an identity theft investigation. I have asked the branch to give me updates and they said they can not and I would have to all corporate, corporate said they can not give me update and I need to call the branch, so around and around I have gone I have copies of the check front and back.
|
| 12/29/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I called BMO on XX/XX/XXXX to initiate a dispute regarding an unknown charge for {$43.00} made in XX/XX/XXXX.
I never use this credit card, so this charge was a surprise. It also caused an automatic payment to fail, as I was not expecting card activity for XXXX.
When I called BMO to dispute this charge, I was informed that it was an " in person '' transaction at an Italian restaurant in XXXX. Because of this, I can only dispute the charge with a local police report. The merchant is located in XXXX. I am in the XXXX.
I have never heard of this restaurant, though I was in XXXX in XX/XX/XXXX. I never used my card at a restaurant. In fact I have not used my card in the past six months.
I asked BMO to contact the merchant to request an invoice or receipt, but BMO refused unless I have a XXXX police report.
I have since closed the credit card account, paying the charge in question.
|
| 10/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I called BMO to close my checking accounton XX/XX/23. I was assured it was closed. When trying to confirm this over secure message, I was informed that it was not actually closed on XXXX.
I called BMO again to close my checking account on XXXX, thinking it was " just an error '' as I know they are merging with Bank of the West. Again, I was assured it was closed. The rep mentioned some issue with the reason for my closure causing a problem. The reason is simply that I am not using the account.
Finally, after trying to confirm again that the account was closed, I received a secure message response from them on XXXX that my account still is not closed. Today, XXXX I see no indication that the checking account is closed either in my online account-everything is as its been the last few weeks. It should not take months to close an account with a XXXX balance, nor multiple phone calls.
|
| 07/11/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
I am in California, we don't have BMO bank branches here but they launched a massive mail advertising campaign and I received a mail with an offer to open CD for 4.9 %.
I did.
I needed to withdraw earlier and called to the bank.
here the saga started.
XXXX they can't do that efficiently over the phone. it has been a week I still did not get my funds. they lie saying they mailed a check.
XXXX. They charged principle and this is why I am submitting this request. They never disclosed the penalty they would charge if you terminate earlier. for XXXX USD CD they charged all incurred interest ( it is fine ) and XXXX USD on principle.
in fact, they charged me XXXX USD in total and I am receiving less than I invested. They sent a check on XXXX USD while I invested XXXX I politely asked them to refund me a principle they charged but branches do not exist, and they hung up when you call.
|
| 11/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/XXXX, XXXXI had filed a claim with BMO ( {$20000.00} ) with a police report stating that XXXX has took my money and refuse to give it back after a bet was made that resulted in to a VOID. The police stated it was fraud. On XX/XX/2022 I got a letter stating the charges of {$5000.00} came back valid. Today is XX/XX/2022 I have been requesting this information and still have yet to get it. Im not sure what type of claim BMO filed but theres no evidence of XXXX refunding my money or that the game didnt end in a TIE. I believed the customer rep put that I didnt authorize these transactions and thats not. THE POLICE REPORT CLEARLY STATE THE FACTS. So XXXX was suppose to close the claim on XX/XX/2022 Ive been calling all last week and there was nothing updated BMO stated they still havent heard back for the rest of my claim. So today XX/XX/2022 they are stated they got the evidence.
|
| 05/11/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
On XXXX XXXX , XXXX I received a workout option from BMO HARRIS BA NK to pay XXXX per a month towards my home equity line of credit XXXX . I received a letter in writing stating that if I put down XXXX and pay XXXX per a month on the first day of each month. I have paid every single month on time since XXXX of XXXX . In XXXX of XXXX and XXXX XXXX , Harris Bank did not withdraw the money from my bank account. I called the bank and was informed that I owe them all the money at one time. I told them that I had a written agreement from the employee that no longer works at the bank. I was told that they did not care, and that I had to now pay XXXX a month for one year, and pay the loan off in full. This is illegal. I was not informed and they are reniging on the original terms and agreements that were given to me by XXXX XXXX . I need help with this.
|
| 09/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Stepped into Lobby of Bank of the West in XXXX, CA during normal business hours. I wanted to make a CASH deposit only. But the Bank Personnel informed me they couldn't process any CASH transactions because they were Transitioning.
Bank of the West is being taken over by B
MO Harris right now. But I never in my Life heard a Bank say " Sorry we can't accept your CASH ''.
CASH withdrawals yes, but CASH deposits? The complaint is I was NEVER informed prior to the Merge that the Local Branches wouldn't be able to accept any CASH! I knew online access wouldn't be there but the Local Branches should be able to accept CASH deposits during normal Business hours, don't you think so? This is poor Bank Management.
So this is all of the complaint. But now a few of my online payments are gon na BOUNCE and its not any of my doing since BMO/Bank of the West couldn't accept a basic CASH deposit.
|
| 04/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I, XXXX XXXX, Managing member of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX.
I have applied for a business credit card with BMO Harris Bank in the name of the business to be sent to my office.
I have NEVER received the card nor have I activated or attempt to make any purchase with it.
I was out of the country from XX/XX/XXXX until XX/XX/2022 and again I have never used the card because I was never in possession of it.
On XX/XX/2022 I logged online to pay my personal credit card and I noticed a business card ending in # XXXX ( a business card ) with charges made at XXXX, XXXX and other businesses totaling more than 7.000.00.
These charges are fraudulent, I never received the card, I never made any purchases nor have any of my employees ever had access to this card.
Please investigate the matter and prosecute it to the fullest extent of the law.
Thank you XXXX XXXX XXXX XXXX
|
| 12/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I have deposited a XXXX XXXX dollars check to my account in XX/XX/2023, but as of XX/XX/2023 money has not been released to my account or returned to the payee.
On the XXXX XXXX dollars check the first 2 letters of my first name was misspelled.
However, the check went through and the XXXX XXXX dollars was pulled from the payee 's account but my bank never released money to my account. My bank put on hold that money for so lang for almost 6 months. I have been asking my bank either release the money to my account or return the money to the sender or payee, so they can re-issue another check. Since the money is pulled from the payee account, so they have to get the money back to their account before reissuing another check to me.
Now finally my bank locked my account, so I no longer access that account where I had already some money but I am not able to use that money anymore.
|
| 04/25/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
Servicemember |
|
I went to my closet BMO bank branch to do a wire transfer to one of my brokerage accounts. This was the fastest ways to fund that external account, and timing was imperative. I had all of the pertinent information outlined precisely. The bank representative hurried me in and rushed through the process. I repeatedly stated the account numbers and the correct areas in wich they needed to be placed in. My funds are in limbo due to the gross negligence of the banking representative. I'm a volatile stock investor and this situation has cost me $ XXXX potentially more. I have a copy of the " Domestic Consumer Wire Transfer Request ". This individual NEVER ENTERED MY NAME OR ACCOUNT NUMBER TO THE BROKERAGE COMPANY!!! My lively hood depends on those funds being accessible. Now, my money is lost in space. Again, the miss handling of this wire transfer has put me in a bad position...
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| 07/01/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Managing an account
- Problem accessing account
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Web |
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I set up a CD with BMO Harris Bank and I originally had automatic payments going into the account to settle the full amount of the CD. However, the last 3 months of the CD, someone got a hold of my account and routing number information and I was unable to get this resolved in time to make the payments. By the time I received the letters I was almost two months behind on the payments. It took a while for the fraud department to get this taken care of and the funds reversed into the account. As soon as I found out about the situation I placed the remainder of the money into the account to close the CD including all of the late fees. If I can get this removed off of my credit report I sure would appreciate it. I had this CD for 3 yrs and didn't miss a payment and this mark on my report has caused it to go down. If you can look into this for me, I sure would appreciate it.
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| 02/21/2020 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
Servicemember |
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Made {$2500.00} payment with all extra to be applied to principal. Normal payment is approximately {$650.00}. This is 6th time time in the last year BMO Harris Bank has NOT applied extra principal or in this case the extra principal payment has disappeared completely from the payment. This last happen around XX/XX/18 where I filed a complaint with the Consumer Financial Protection Bureau. Complaint # XXXX. I have reached out to BMO Harris at my local branch, but they are having no success with corporate office on rectifying the problem. I have to believe they have either singled me out for harassment or the problem exists with thousands of BMO Harris mortgage holders. In either case there should be an external audit of their mortgage department. I am forward this complaint to the Attorney General of Arizona and the Illinois and Arizona Division of Financial Institutions.
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| 03/13/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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I signed up for a business checking account with a promotion offer of {$500.00} for meeting certain requirements. I met all the requirements say for one due to a banking error. The one requirement BMO claims I did not meet was that I did not make 10 electronic transactions. However I did attempt to make 10 electronic transactions by using the account to pay utility bills online. For whatever reason BMO decided to send the vendor ( peoples gas ) separate physical checks instead of electronic checks or payments. They also charged me for sending people 's gas those checks but have since refunded me after speaking with a rep. I never authorized the sending of physical checks. Since I did send online bill payments to this vendor which were always considered electronic payments with other banks I am requesting that BMO honor this promotion and pay me the {$500.00} they owe.
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| 06/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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original complaint filed was XXXX The bank has created a letter and signed over a small amount of money to me as a credit but they are covering their tracks and writing misleading letters non of which has accurate information.
I am trying to resolve this issue after 7 plus years and this last complaint was closed so a new one needs to be opened up.
I have attached the email sent to both the XXXX branch XXXX and the Vice President of BMO Harris Bank named XXXX XXXX. This email is in response to the signed letter to me dated XXXX XXXX by XXXX from BMO Harris..
It is in direct opposition to their letter to me which was supposed to rectify this previous complaint filed and was created to cover their tracks in my opinion.
Harris Account number ending in XXXX has been reported 90 + days late on 25 occasions and they refuse to change this on my credit report as well.
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| 07/19/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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I entered a Bank of the West branch ( XXXX XXXX XXXX XXXX on XX/XX/XXXX this year to close both my savings and checking account. I withdrew the entire amount for each of these accounts, respectively XXXX USD and XXXX USD, with no unsettled funds. In addition to a receipt that shows the withdrawal of all of my funds, I also received verbal confirmation that my accounts were closed. BoW projected that my accounts would be fully closed with no outstanding fees by early XXXX.
Since then, my accounts remain open and I still have access to my BoW online portal. I have attempted to resolve this by calling BoW services, in which a worker verbally confirmed that my accounts were in fact closed. However, I continue to receive emails of " Low account balance '' on both closed accounts up till now. BoW has been uncommunicative on the reason why this issue is not yet resolved.
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| 05/16/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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This is in response to your XXXX XXXX , XXXX dated correspondence regarding my Complaint with the Consumer Financial Protection Bureau. Attached are two cashier checks indicating the amounts that I paid, one is f or {$5000.00} dated XXXX XXXX , XXXX and the second cashier check is for {$37000.00} dated XXXX XXXX , XXXX which brings the total to {$42000.00} that I paid t o BMO Harris Ba nk XXXX XXXX XXXX , XXXX XXXX ( r eceived by XXXX XXXX in front of XXXX XXXX . they were talking to XXXX XXXX ). This amount disputes your claim of the {$41000.00} payoff and is a difference of {$1400.00} which is the amount that I am seeking compensation for fro m BMO Harris Bank, pl us the {$500.00} ( that I paid to XXXX XXXX XXXX in order to remove the vehicle from auction. This brings the total request for compensation to {$1900.00}
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| 10/29/2015 |
Yes |
- Bank account or service
- Checking account
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Web |
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On XXXX XXXX I went to my local bank and deposited a {$350.00} check into the ATM and it gave me a receipt. The following day my card continued to decline transactions. I phone the bank several times about the missing deposit. I was told that I attempted to make a deposit, but nothing cleared. I was angry because no one from the bank called or emailed to say the was a error in my account and that it was not reconciled by end of day. I started a investigation and was told around XXXX that the teller was watching my account and she saw what looked like a pending {$350.00} transaction, so I went home. This morning XXXX XXXX, the funds were still missing. I need my money now. They said they have to investigate in case there is fraud, meaning me I assume. The fact is, the ATM ate my check at my bank and I am sure I am on camera making this transaction. I want my money.
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| 11/14/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Opening an account
- Unable to open an account
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Web |
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I tried to open a CD with BMO XXXX XXXX XXXXXXXX. They declined my application because of information received from XXXX. I asked the bank what the information was and they refused to identify it. They said the information came from XXXX. When I contacted XXXX, they gave me a copy of the disclosure report, which is clean of any credit blemishes, there was really nothing in there. They said the bank makes the final call on whether to reject the account. The bank will not tell me the issue. XXXX says there is no issue. I can not get a straight answer from anyone at the bank as to the issue with opening an account.
The manager has been rude and refuses to explain the bank 's reason. His name was XXXX. He refused to give me his name. He refused to put me in contact with his supervisor. He was a manager. I had elevated the call from the people that answer the phone.
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| 01/28/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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Last month after XXXX and before XXXX a voicemail was left for me on a co-workers line by a representative of BMO Harris Bank. My supervisor listened to the voicemail because my co-worker was out of the office and she gave me the message. I called BMO that day and told a representative what had happened and that I could not get these types of phone calls at work. I wanted to talk to whoever it was that had called, but after putting me on hold for over 10 minutes I had to hang up, since I was at work. This morning my co-worker hands me message slip. BMO has again called me at work and left a voicemail on my co-workers line. When that line is automatically answered it 's very clear about who you leaving a message for. It should be clear to the BMO representative that you will not get to my voicemail to leave me personally a message if you call after our work hours.
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| 11/08/2019 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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I opened the account in BMO Harris Bank after receiving the postal flyer of getting a {$700.00} bonus after meeting the 2 conditions : 1. Put {$10000.00} ( already met ) 2. Direct Deposit of {$5000.00} ( already met ) After meeting both the requirements the bank stalled and keep on saying that call us after 120 days, and post 120 days they told me that I don't qualify for this promotion as i had the account previously and it is for only new customers.
When i went to the bank the banker already saw this and still insisted me to open the account and told me that i will qualify for this promotion and it doesnt matter if you have the account earlier asked to open the account and now they are not honoring this.
I really felt cheated and want this to resolved and need my promotion to be paid.
Need your help on the same.
Account Numbers Saving- XXXX Checking- XXXX
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| 09/20/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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Greetings! I am a member of XXXX XXXX XXXX, that is to say, I have a savings account with them. I am satisfied with this product so I went in to open a checking account. I was given an " Adverse Action Form ''. They could not allow me to open a checking account. They use a reporting agency who discovered that I owe money to a bank called BMO Harris. I 'm quite certain that I have never done any business with this bank. So I gave them a call. The clerk I spoke with asked for my name and SSN, which I provided to her. She said that her records indicate that my SSN reveals a debt owed to them. However, my name does not match the name they have on file linked to my SSN. As I said : I believe that I do not owe this particular bank any money and the fact that they do not have my name on file reinforces my opinion. Please help me get this item addressed. Thank you, XXXX
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| 05/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I had a mortgage loan with BMO Harris Bank. I sold my home on XX/XX/2021. The title company contacted BMO Harris Bank to obtain the payoff amount and that amount was remitted to BMO Harris Bank on XX/XX/XXXX. BMO Harris received the monthly payment from my bank account XXXX electronic transfer ) on XX/XX/2021. I called the bank and asked that they electronically deposit the amount they took out on XX/XX/XXXX back to my account. They said they were only willing to remit a hard copy check to the address they have on record XXXX the home I sold XXXX in 15 - 30 business days. I complained that they would have the use of my money for close to a month. I spoke to two supervisors and no one would agree to remit the money electronically back to my account.
I am closing on a new house at the end of XXXX and was counting on that money to use towards the purchase price.
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| 01/24/2021 |
Yes |
- Checking or savings account
- Other banking product or service
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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Based on BMO Harris Bank 's promotion, I opened the checking account on XXXX and funded {$300.00} on XX/XX/XXXX. Then, in three consecutive months, my account was electronically deposited {$2600.00} every month as my payment, in total {$7500.00} the promotion required. I have completed everything they asked for, but I never receive the credit of {$350.00} as BMO Harris Bank promoted.
XXXX, XXXX of XXXX I call them and my banked told me that I was supposed to see the credit soon.
Weeks later, On XX/XX/XXXX, I had to call them again about my credit. The Lady answered my call checked My checking account again, said to me : I did see you have Direct deposit of {$2600.00} every month, and I will get this to promotion department and push this through the credit in your account.
So far, I haven't received it. Obviously, they don't want to honor their promotion.
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| 10/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I contacted BMO to dispute charges from a transportation company that appeared on my statement for XXXX The representative told me I was responsible for the charges. I asked to speak with a supervisor. A supervisor called me back an apologized for the miscommunication with the representative closed the card and i was told another card would be mailed out. I never received the card and continued to pay the Bill. two months later there was a balance of XXXX I called a rep. told me the card was sent out. They told me the address to my card was sent but it didn't have my unit number XXXX I asked for a supervisor to call and waited two days I didn't get a response. Called back with the same results. This is on record. i reported this CFPB. BMO closed the Account and started to mark the account late! i have yet to receive a call back from BMO credit card Service!
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| 02/21/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
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|
Web |
Servicemember |
|
Made {$2500.00} payment with all extra principal to be applied to principal. Normal payment is approximately {$1000.00}. This is the 6th time where all ( 3 ) loans in the last year BMO Harris Bank has not applied extra principal or in this case the extra principal payment has disappeared completely from payment.this las happened around XX/XX/18 where I filed a complaint with the Consumer Financial Protection Bureau. Complaint # XXXX. I have reached out to BMO Harris at my local branch, but they are having no success with the corporate office in rectifying this problem. I have to believe they have either singled me out for harassment or the problem exists with thousands of BMO Harris mortgage holders. Since this is the 6th time in a year I am forwarding this to the Attorney General of Arizona and to the Arizona and Illinois Division of Financial Institutions
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| 09/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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BMO Harris Bank gave me forbearance on my loan from XXXX to XXXX of this year. They also changed loan services and gave me a new account and now the servicer is saying that I made an XXXX payment and I have a late charge of {$510.00} with in fact I made no XXXX payment. Please see attached documentation. I can not get through to anyone at the loss mitigation department and when I called the new servicer they are extremely rude and tell me that I have to speak to BMO Harris Bank about the late fee on a payment that was never made due to forbearance which is documented. They also tell me that I need to write a letter to the research department to solve the issue when this is completely their problem. I know XXXX XXXX XXXX as I worked at the XXXX in DC during the XXXX XXXX and this is something seriously wrong. I helped create the CFPB for this very reason.
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| 05/20/2020 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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Application to open A 1 year Cd account at BMO Harris Bank online at ad interest rate of 1.65.. Bank ' processing dalay in funding the account from my XXXX XXXX , to my surprise I received email from BMO Harris Bank stating that initial deposit in my CD account {$100000.00} is complete funding from My XXXX XXXX. Having No further details of the account, I tried unsuccessfuly calling Bank multiple time requesting status of my CD account about rate of interest, maturity date, account number etc. Finally after few days, I got access to my CD account online when I found out the interest rate is so much low is assigned to the account. It is way lower than my XXXX XXXX rate 1.30 It is unreal for me to move money from Bank patying 1.30 to BMO bank f paying 1,14. I tried to request to reverse money back to where it came from. or adjust rate up. No response.
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| 01/03/2023 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Unable to open an account
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Web |
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I went in to BMO HARRIS BANK to reopen an account with them. They closed my account back in 2019 for being overdrawn for too long. I was out of work and couldn't pay balance.
I just learned XXXX XXXX that account was closed due to fraud. I asked them to explain fraud and they said I put a fraud check in my account. Which was inaccurate. The check I deposited was from the person. He didn't know they was in the process of closing his account when he wrote me the check as I just found out. They sent him a check with the remaining balance that was in that account and returned any checks he wrote stating account was closed. I explained this to bank representative in location and over the phone but they keep telling me its fraud because I put it in my account and I nor did he know his account was being closed. So NO fraud was committed on this account.
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| 09/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
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Web |
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I opened a BMO Relationship Checking account on XX/XX/, with my work direct deposit set up. After approximately two months, I needed to withdraw the funds for personal expenses. In early XXXX, I noticed that my checking account had disappeared from online login. I attempted to contact BMO customer service through various channels, including secure messages, phone calls, and branch visits. Unfortunately, none of these interactions yielded information regarding the status of my account. Finally, through a live chat, I was informed that BMO may have closed my account. I am still not sure if my account was closed, since there has not been any communication. I am formally filing a complaint regarding the lack of communication with the customer prior to the account 's closure and the deficiency in business and professional training in customer service.
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| 04/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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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.
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| 12/28/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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We had applied for a loan for a 2nd home that we were going to rent part time. Our mortgage lender went ahead with the 2nd home mortgage and we closed XXXX XXXX 2017. The closing at the title company took about 20 minutes in which we signed or initialed about 50 times. After we got home we went through paper work and noticed a " 2nd Home Rider '' page that states the loan will be in default if we rent it. I called and emailed the mortgage lender the next day and he said the company does not offer investment home loans, if we wanted to rent the home we would need to go to another bank. This is going to cost us around {$2500.00} dollars to refinance with another bank.
We want to be able to rent this property. We made that clear during the lending process.
This compliant is being made against BMO Harris Bank. Our mortgage broker was XXXX XXXX.
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| 07/24/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Over 7 years ago, I opened a Home Equity Line of Credit with the bank for {$50000.00}. We only used {$30000.00} or so at the time. When the banking crisis hit, BMO informed us that they are freezing their HELOC accounts and there will be no more credit issued. I understand why they did that. Limits their risk. I was fine with it. I did n't, and still do n't, need more money. Here is the problem -- and its a big one : They still term the loan a line of credit. Even though I can not withdraw money from it. My credit score suffers massively because it says that I have that much available to me -- even when I do n't!! My credit report says that my outstanding loans are higher than they should be because of this labeling error. It should be a XXXX loan and show that I 've been paying it down and never missed a payment. It is NOT A LINE OF CREDIT!!!
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| 12/02/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
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Web |
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On XX/XX/ I attempted to open a checking account and ended up changing my mind 10 min before they close due to being rushed into opening this account for a check I wanted to cash with the same bank on the check. They refused to cash it and said I had to come back with the check because they already opened the account. I never signed any documents to open this account nor was I given any paperwork. I also had another branch say it was not open then I was told it was frozen but on my credit report its showing as open an I need to report this because its very high risk for me. I never signed anything with this new account she forged my information and I never completed the process. I have it recorded also and I have witnesses the day this happened to be at approx XXXX before they closed. I didnt open an account she had no right to do this to me.
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| 05/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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Web |
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I was supposed to get my direct deposit on Friday XX/XX/28. In the XXXX I checked with my employer and they said they dont see the funds rejected or returned by my bank. I then called my bank, Bank of the West. I talked to a rep. He said they see it in the back house or office ( where they handle ACH ) they said I would be deposited Friday afternoon if not no later than Saturday XXXX I check Saturday XXXX, nothing. Called again they said same thing, it would be deposited Saturday night no later than XXXX I checked Sunday nothing. I checked Monday nothing. I called Monday XXXX, same thing wait till the afternoon. I checked Tuesday and nothing. It has been the same thing over and over and I just want my money. Ive been waiting 5 days for my money and nothing! This is outrageous why cant they give me my money! I worked for my pay I want it now!
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| 11/08/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Funds not received from closed account
|
|
Web |
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I met Mr. XXXX XXXX to see about closongmu mom, Ms. XXXX XXXX IRA account, since my mom pass away on XX/XX/2019 of this year. The first email received on XX/XX/2019, that Mr. XXXX will be starting his vacation and hand his assignment to Mr. XXXX XXXX on XX/XX/2019. After receiving my last communication with Mr. XXXX, I have beenin communication with Mr. XXXX XXXX by phone and email. After meeting Mr. XXXX XXXX in person at the bank and filling out the necessary paper work. I was promised the check will be out in a week. The last email sent by Mr. XXXX stated that he will reach out with the IRA department on XX/XX/2019. So far, I have yet receive a reply or call back, anf when I tried the main number. I am always informed he is with a client or in a meeting. Can someone assist? The amount is about {$8000.00} my mom old IRA account that my my
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| 12/13/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
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|
Web |
Servicemember |
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I am a XXXX vet living on XXXX since my XXXX and my wife and I decided to change from BMO Harris Bank to XXXX XXXX XXXX. I had a plan to migrate and my SSA XXXX check took two months to change from one institution to the new one so as I planned the second check transfer I expected the same time period. It only took XXXX 5 days to make the change. So my car insurance and my wife 's health Insurance payments bounced. I got them changed over to the new payment systems but BMO charged me {$35.00} a pop and then started charging me {$7.00} per day so now they say I owe them {$200.00} to close the account. I do n't have the money to close it until my next XXXX check at the end of the month. BMO says eventually they will close the account but who knows how much I will owe then. I am sorry this happened but I am not sure how to get out of this now.
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| 05/19/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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Collection agency XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX Creditor : Bank of the West XXXX Account # XXXX My complaint is both against Bank of the West and XXXX XXXX XXXX XXXX I orginally had a checking account with Bank of the West. Two overdraft payments were made of behalf ( not authorizied by me ), I was subsequently charged two overdfraft fees. I was paying off this debt to Bank of the West by electronically depositing funds to my account. Bank of the West was not charging me any interest or additional fees. I was able to pay most of the debt with the exception of the overdraft fees and approxiametly {$40.00}. Bank of the West stop accepting my deposits and turned the account over to XXXX XXXX XXXX XXXX and this company proceeds to charge me a 9.00 % annual interest. Also I'm currently in XXXX XXXX bankruptcy.
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| 03/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
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I opened a checking account with BMO harris bank because there is a promotion of {$500.00} if I transfer {$5000.00} to the account. But after I did all the required funds transfers, they did not honor that promo.
What is even worse, they charged me monthly fee of {$25.00} even though my balance has been above the " fee waiver '' threshold. I tried to close it or transfer funds online, and the online account says those transaction are not permitted for my accounts. I called them to close, they said I have to go to the bank personally. Now I live in a place where there is no branch close by. BMO has already deducted {$170.00} from my account, and it is still going on. I never had such bad experience before.
I request to close this account and they shall also refund me all the fees they deducted for doing nothing.
Thank you for helping!
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| 03/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I opened a checking account with BMO harris bank because there is a promotion of {$500.00} if I transfer {$5000.00} to the account. But after I did all the required funds transfers, they did not honor that promo.
What is even worse, they charged me monthly fee of {$25.00} even though my balance has been above the " fee waiver '' threshold. I tried to close it or transfer funds online, and the online account says those transaction are not permitted for my accounts. I called them to close, they said I have to go to the bank personally. Now I live in a place where there is no branch close by. BMO has already deducted {$170.00} from my account, and it is still going on. I never had such bad experience before.
I request to close this account and they shall also refund me all the fees they deducted for doing nothing.
Thank you for helping!
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| 06/06/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
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BMO Harris notified me on XX/XX/XXXX that they were freezing my Diners Club card because fraudulent activity was attempted. It is a PIN card and the other party apparently made multiple unsuccessful attempts ( my card is in my possession and I do not have the PIN written anywhere. ) Problem is, this is the fourth time in about a year my card has been frozen ( they have not been successful in making a fraudulent charge. ) As this card is linked to most of my online buying and recurring monthly fees, it takes me more than a day to change all of my accounts and passwords so this is a big hassle. I feel BMO Harris isn't trying to protect my interests -- they're trying to make their job easier. Do I have any recourse to keep them from continually shutting down and forcing me to get a reissued card other than moving to a new credit card issuer?
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| 02/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XXXX of XXXX, I took out a {$30000.00} fixed rate refinance conventional loan with BMO Harris. I would make payments and most of it would go to interest but every payment reduced principal some. Starting in XX/XX/XXXX I noticed something odd. All of my payment was going to interest. I remembered that BMO Harris changed who was managing the account as an agent. In the process my account number changed and for some reason my payment was only going to interest and the principal stayed the same. In the process of calling them a lot, I was told my new loan number was a daily simple interest loan, not what I signed up for or authorized. I have been trying to resolve this with BMO Harris for weeks but no resolution has come about and they have run me around in circles with little care. Changing a loan type without my approval feels criminal.
|
| 02/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened a new checking account through online banking and didnt receive the {$300.00} bonus promotion offered. I opened the account in XXXX, XXXX ; majority completed online. Went to the branch about 1/2 mile away from home with my niece accompanying as I am legally XXXX. I utilized the assistance of the bank employee to finalize account and verify I qualified for the promotion.
Following protocol for promotion ( direct deposit within 90 days totaling $ XXXX ) ; accout in good standing at time of payout. I checked on anticipation date of payout via email on XX/XX/XXXX. I received a response confirming my meeting the qualifications for the promotion on XX/XX/XXXX also. After waiting plus 100 days and maintaining a positive balance I received a payment of {$100.00}. On XX/XX/XXXX I asked what was it for. Please see attached response.
|
| 04/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I recieved a mortgage in XXXX XXXXAt that time, there was no escrow, The loan servicer was changed in XXXX of XXXX. A escrow was added to th account with out my knowledge. I was paying XXXX/monthly with no issue from XXXX until present. when the escrow was added, it began to make my payment look late because it was not the full payment including escrow.As of Today, it is showing a deliquent balance of XXXX plus. However, it is also show that a payment of XXXX was mad every month until the recent forbarance periods of XXXX til XX/XX/XXXX and XXXX til XXXX of XXXX. I am trying to refinace but I am unble to do so due to the error of the ecrow account. Also, As I have been work through this process I have discovered this loan might be fraudulent. They can produce a HUD document that has my signature from the closing, and I never got one.
|
| 03/23/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
BMO Harris will return my check and charge {$36.00} on first attempt and then in the second attempt they might pay it and charge another {$36.00}. This happens while balance is the same so they are intentionally siphoning {$36.00} two times. If they were going to pay it then they should have on the first attempt. Another strike against the worlds third biggest crooks after insurance companies and casinos ... BANKS! XXXX is taking the banking industry over, take a look at the lines at BMO Harris vs XXXX XXXX XXXX.
Also, a BMO representative inform me that a third party actually pays the check! So BMO has the check paid and they still charge customers {$36.00}, {$72.00} and so on. They can do it because nobody governs them NOBODY! Banks are above the law and they know it. Consumer Financial Protecting Banks CFPB is more like it ...
|
| 05/07/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
Servicemember |
|
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.
|
| 10/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened without my consent or knowledge
|
|
Web |
Older American |
|
I received a statement from BMO Bank of NA saying I had a checking account with XXXX balance. I NEVER opened an account with this company. Not only that but I was told there were 2 accounts opened. The XXXX acct is XXXX. The XXXX acct is XXXX. XXXX was opened XX/XX/23 the other XX/XX/23. They had an email on file of XXXX and a phone XXXX XXXX XXXXXXXX. I was told that the accounts were frozen because someone tried to use it without funds in the account. I asked for a copy of the original application from 2 different people at the bank and was told they couldn't do that. Why not if this is supposedly my account? How did this bank open an account without my authorization? I want it closed out immediately! They told me I have to call back and talk to their fraud department. What kind of bank doesn't have a 24 hour fraud department?
|
| 11/03/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
BMO Harris is the issuer of my car loan. I've submitted a complaint about them before but I just got off a recorded line with XXXX. I called in at approx XXXX on XX/XX/XXXX. The issue is that they tell customers that they can make a principal only payment to their loans through the website, which they can not. I have had additional interest hit my account because of the false statements and unwillingness to comply with a correction. I've asked for them to go back and adjust every over payment and apply it to principal, instead of simply toward the next payment. A few months ago I spoke with a women who attempted to understand the issue and got caught up in her own lie, I asked for a supervisor to call me. I never heard from them. Compound interest is a powerful thing. Especially when used against people who don't understand it.
|
| 04/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
On XX/XX/XXXX, I opened a checkin account at BMO Harris. On XX/XX/XXXX, I deposited XXXX $ worth of checks with mobile deposit. They started a fraud investigation. Around XX/XX/XXXX, I was told the account was closed and I would recieve a check. On XX/XX/XXXX, I see on my account " Close '' and XXXX XXXX Around XX/XX/XXXX, I never received that check. I called, and I was told that I would not received a check, that is the standard script they read. Instead, my money was put in unclaimed property. They refused to give me any form of documentations, paperworks, nor any procedure to recover those funds. Only that XXXX XXXX have to claim the money. Signature bank ( now XXXX ) doe n't know what to do, they ask for a letter for misapplied funds. BMO refuse and ask for an Hold Harmless Letter. So I am stuck between those two banks.
|
| 11/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American |
|
Please refer to CFPB Case # XXXX In short : BMO bought Bank of the West and XXXX screwed up the website when they took over in XXXX. I was trying to compile my XXXX tax info, but when I downloaded XXXX statement files, they were actually random statements from XXXX, not XXXX. I then tried to access the site again while traveling, but was blocked because BMO would not send me a code via email, as Bank of the West had always done. Thus I could not submit my tax info on time to my accountant, who charged me {$600.00} late fee, due to BMO 's incompetence and neglect of its customers.
In my previous complaint, I noted that my CPA would likely charge a late penalty, and I finally received ( and paid ) the invoice, which includes the late penalty. I attach the CPA 's invoice.
I request BMO reimburse me for the {$600.00} late fee.
|
| 09/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
BMO Harris Bank is reporting incorrect late fees/ missing payments to my consumer credit report claiming Im a month behind for XX/XX/XXXX, XX/XX/XXXX XXXX XXXX.
I spoke to a supervisor and that supervisor told me was an error in their system.
Same situation happens for several months in XXXX went I actually asked for an extension under Cares act during XXXX pandemic And they reported a late payment on XXXX XXXX when I notified it to them I was in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I try to work with BMO Harris but the Dispute Department told me that they dont care and the late fees will show on my credit for 7 years.
I spend 3 hours trying to connect with someone on the phone, costumer service personal was aggressive and extremely unprofessional, this is hurting my creditworthiness, and affecting me and my kids.
|
| 10/18/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
When I was XXXX I got my first part time job and put all of my money into a savings account in my name. It went untouched for several years and when i was about XXXX or XXXX I went to retrieve my money, excited to see how much interest had accumulated, only to be told my account was closed due to inactivity, and the money was no longer there. I asked the teller where my money went and she claimed that there was no record of money being in my account although I showed her my bank book with the date of deposit and the balance. Being young and naive I let the situation go thinking there was no way to solve this problem. Since then the bank has closed. I have checked at www.unclaimed.gov and www.missingmoney.com with no luck. There has to be some kind of record left stating where my money went, or if someone took the money.
|
| 12/01/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Please see complaint CFPB # XXXX. This is in regards to that.
The company gave me payoff, I sent in a check for payoff which is XXXX. They tried to cash for XXXX. I made a complaint and they assured me that if we sent it in again in another check, which we did that day on XX/XX/XXXX that they would back date to XX/XX/2023 so that we wouldn't owe any kind of fees. The check has been cashed. Now they are trying to tell me we owe an additional XXXX dollars and interest. When we tried to explain everything to them, they just kept saying you owe this amount still. It was the companies error not ours!
I was given payoff on XXXX different occasions and on the second occasion they assured me that as long as they received the check we would not be charged any additional fees.
This is feeling like a scam from this company.
|
| 09/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
On XX/XX/XXXX XXXX I opened a Relationship Checking XXXX and online saving account XXXX online at BMO.com. Part of the reason for opening the account was an advertisement on BMO website showing a {$600.00} bonus if a Relationship Checking account was opened and {$7500.00} in qualifying direct deposits were made within the first 120 days.
Starting in XXXX I changed my work direct deposit to go to my BMO relationship Checking account and over {$10000.00} was deposited that month.
Last month I contacted the bank asking what happened to my bonus and was told that they did not see a bonus on the account. On XX/XX/XXXX I went to the bank and spoke to a agent who told me that I needed to have a code on the account to receive the bonus.
I feel this deceptive advertisement and request {$600.00} be deposited in my account.
|
| 10/06/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I lodged a complaint few days back to CFPB. The case # is XXXX. I opened a checking account online with {$1000.00} as initial deposit on XXXX XXXX and made XXXX direct deposits by XXXX. The bank had advertised that if I made XXXX direct deposits it will credit my account {$200.00}. The bank has not yet deposited the amount to my account.
I filed a complaint through CFPB and the company responded that my account did n't have a promotion code attached to the account. The problem is at the bank 's end. Their site through which I opened the account stated, accounts opened online will have the code automatically attached. I have attached the screen shot as evidence.
What I find frustrating is, I am not the only XXXX. The bank is trying to give excuses not to give the bonus. I believe it is a fraudulent business practice.
|
| 12/18/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XX/XX/17 I found out my BMO Harris checking had been charged double for what was a scam on my debit card. I purchased a XXXX for a spa in XXXX after it was secured paid for and booked an appointment the location changed to XXXX XXXX. The XXXX then showed the XXXX location no longer taking appointments. I explained to the merchant it was misleading she told me Id be refunded for trying twice {$55.00}. She then never issued a credit and proceeded to charge me twice on the XXXX and the XXXX. BMo did nothing for me to prevent the charge from going thru even after thoroughly explaining the scam or error. I will have to dispute this {$110.00} now and may not receive the money back. Merchant is no longer available for me to talk to. BMO closed at noon and pushed me off the phone no solution given just let it charge me.
|
| 08/05/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
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.
|
| 10/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have an RV loan with Bank of the West, which was recently acquired by BMO. As part of the acquisition, communications were sent to customers that stated that automatic ACH withdrawals for loan payments will need to be set up again on the new BMO portal.
After I followed these instructions, Bank of the West / BMO withdrew two monthly payments several days apart - one as part of the new automatic transfer that I set up following their instructions, and one as part of the existing authorization that remained effective, unbeknownst to me.
I contacted BMO who stated that they would refund one of the payments by mailing me a check. It has now been almost a month and I haven't received the refund, and my loan still shows the same balance on the web portal.
The incorrect instructions remain posted on their website.
|
| 10/31/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a XXXX XXXX checking account with BMO Harris bank online on XXXX/XXXX/XXXX under its promotion - " Earn a {$200.00} bonus after XXXX qualifying direct deposits of at least {$300.00} or more within 90 days of account opening. '' I have long met the terms of this promotion given I set up a recurring weekly payroll direct deposit of {$300.00} into this account since account opening XXXX first payroll direct deposit came in on XXXX/XXXX/XXXX, and it has been coming in on a weekly basis ). Today, I reached out to the bank 's customer service department through its online message center to inquire why I had n't received the bonus, and I was informed that because I 'm " living out of our footprint you do not qualify for the promotion. '' However, this geographical limitation was never part of the original terms.
|
| 01/26/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
where and what account # it was refunded, i also would like to clarify that this trasaction was ( PAID using CASH that is why there is no record of purchased, But merchant Did a MANUAL refund on ( XX/XX/XXXX, XXXX ) time XXXX employee 's Name that initiated th refund was ( XXXX on the debit ( XXXX ) ACCt ( XXXX ) Refund Authorization # XXXX additional proof below will be attached i also have the email From BMO bank in XXXX XXXX XXXX XXXX XXXX XXXX proof that he had work with the back office to check on this matter, and confirmed that there is a refund but it was iniated as pending refunding ( All additional proof below will be attached, kindly pls check, hope you can assist me with this matter, as this bank take 's months to resolved issue, it is only now that i got CFPB involved that they are quick to response.
|
| 09/12/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
BMO acquired Bank of the West. I have a credit card in Bank of the West.
They terminated the support for Bank of The west app and forced me to apply for BMO account. It was possible only via web interface.
They did not notify me in any way that Bank of the west app would be unsupported.
When I logined using XXXX XXXX XXXX XXXX I noticed that they failed to collect payer account information and I needed to add it again manually.
This acquisition is the failure. I assume many people call them and the call center is overloaded but they af course charge late fees and interest.
BMO is the scam. I already filed a complaint about them how they deceive when you open CD and they charge you the balance above the potential interest if you terminate earlier. They also don't hesitate to manipulate with credit cards.
|
| 10/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Closing on a mortgage
- Changes in loan terms during or after closing
|
|
Web |
|
|
Per my previous complaint ; I requested actual statements from XXXX, XXXX, and XXXX to reflect the mortgage balance before, during, and after the partial claim payments were made by HUD to BMO that were to be applied to my mortgage. BMO replied by sending me a copy of my publically accessible partial claim agreement ( that I provided to them ) along with some end of the year tax documents for a few years. Up to last week, I have still made numerous requests for my actual statements and BMO has not been able to provide them, and claim that they can not find them. The information I have requested are my XXXX, XXXX, and XXXX actual mortgage statements. This has NOT been provided, nor has it been shown the payment from HUD was actually applied to my mortgage balance. ( The reason for requesting these statements ).
|
| 06/14/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I received a debt collection call from Bank of The West from a representative by the name of XXXX on XX/XX/2023, at XXXX he left a message on my voicemail and then the same representative called again at XXXX on XX/XX/2023, again and left a message. I called a number that on their website that was listed as a whistleblower line, they stated that they were an outside company, but they would reach out to lender, I have heard anything. I then preceded to call Bank of The West on XX/XX/2023, before I sent this email first, I was hung-up on/disconnected, I called back spoke with a representative, explained the situation and she then said hold on and transferred me to back in the main line. This collector has broken FDCPA Law on behalf of the company. I still have the voicemail messages to prove my burden of proof.
|
| 09/06/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
This is regarding my personal checking account from Harris Bank BMO. I requested the account closure in late XXXX of 2019 and a check was supposedly mailed to me on XX/XX/XXXX. 2019. After a few days, weeks, months of not receiving the check, I placed multiple phone calls to determine the whereabouts of my funds.
BMO Harris bank initially replied that the check was lost and as of XX/XX/XXXX the funds were returned as they may have mailed the check to the wrong address where it was returned to BMO Harris bank as undeliverable.
I need my funds to pay off my car loan. BMO Harris Bank is stating that I must now wait their banks policy of 90 days before another check may be issued. I have communicated this to multiple individuals at BMO Harris bank, the last and most senior individual being a MrXXXX XXXX XXXX.
|
| 12/19/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
BMO Harris has unnecessary borrower authorization practices. The company mandates borrowers to utilize a personal pin in order to speak to their customer service agents. This is the only creditor I have that requires this. If I forget the pin, BMO Harris subsequently requires me to submit a written letter that must be signed and notarized. This results in me spending money for a notary fee and waiting several days for BMO Harris to process my notarized letter. I am on XXXX and it can be difficult for me at times to travel to find a notary. The reason for my call was only to confirm if BMO Harris was in receipt of payoff proceeds from the sale of my house and to ensure they have my correct mailing address.
Additionally, I have yet to receive any periodic statement during the time BMO Harris serviced my loan.
|
| 11/04/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Web |
|
|
On XX/XX/2016, at XXXX, I went to an outside ATM machine at BMO Harris Bank, XXXX, IL., to withdraw {$640.00} from my XXXX card. However, the ATM never dispensed the money, money never came out, though it gave me a receipt as if it had given me money. The next day I went back to the bank to speak with the bank Mgr. ; he told me that BMO do n't manage the ATM 's outside, though they have BMO 's name on them. So I contacted XXXX to open a claim. On XX/XX/2016 I got an email from XXXX informing me that the 3rd party vendor who manages the outside ATM 's at that location submitted documents that indicate the ATM 's showed no surplus. But regardless, the machine never gave me money that night, and I 'm very confident the bank 's and ATM 's cameras ( which I 'm quite sure they are equipped with ) will reflect this.
|
| 05/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Older American |
|
On XX/XX/XXXX I opened a new checking account with BMO Harris Bank with the promise of {$400.00} Bonus if I met certain requirements. I did meet all requirement and more and did not receive the bonus. I contacted the XXXX XXXX where I opened the account via email to inquire on the status of the bonus, I received a reply from Ms. XXXX XXXX that I met all the requirement and the bonus will be deposited into my checking account after 150 days from the account opening. I do have those email exchanges and after 150 days have passed I contacted the bank again, then the customer service via XXXX, and got different answers. On XX/XX/XXXX I received an Email from BMO Harris Bank congratulating me on qualifying for the Bonus. I contacted the Regional Manager of the BMO Harris and she never returned my phone calls.
|
| 01/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Older American, Servicemember |
|
My wife and I deposited a very large sum into our checking account at the time of deposit we were not informed or told in any shape or form there in a couple days they would put a hold on this check it was from the sale of one of our home as a result we have NSF account being charged to my account I have vendor fee is charging me face its been nine days and they still having clear my check. Ive called seven different times to the corporate office and different support within Bmo and they have refused to correct the situation or make it right They are operating with immunity its my understanding. They have a right to put a hold on the check, but they have to inform you the violated federal rules. Can you assist me I am a senior citizen in a retired veteran. This has been very stressful for my wife and I.
|
| 12/22/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Servicemember |
|
Yes, I have called multiple time. In order to make a dispute for the transaction that I didn't make, I only made the success of getting a new card but I had to wait about an hour just to get help. and the rep has told me to called again once everything has been posted for the unauthorized transaction. and once I called again it was another hour of waiting, in order to get help and once they transfer me to a new department I had to wait about another 30 mins but i never gotten help so i had to hang up the phone and i was tired of waiting!! this is getting out of control, I have other things to do as well. Other than that I need these transaction gone from my statement since i didn't do it.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 01/13/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I had an unsecured credit card with Bank of the west open in XXXX at some point I got delinquent on my account and Bank of The West decided to close my account and shortly after they started the collection process. Before agreeing to pay my balance owed that was less than XXXX XXXX dollars. I ask if I pay off this balance would they delete it from my credit report and was told they could do that. This was a verbal agreement and I made the mistake of not getting in writing or follow up in writing.
I paid it and Bank of the West did not honor their end the agreement. I tried to dispute it with credit bureau and was not successful at getting a resolution.
Bank of the West is not being transparent when it comes to reporting to all XXXX bureaus there appears to be information that is not consistent
|
| 08/11/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
Older American |
|
BMO Harris Bank has held my $ XXXX now for 40 days and my bank, XXXX XXXX XXXX has made numerous requests to recall my money but there seems to be an internal problem at BMO Harris Bank within the wire department. Someone in the department made a foolish decision to arbitrarily hold my check and transferred it into an account that was frozen so now my money has been frozen for 40 days.
This means that my family member who was to receive my $ XXXX is suffering because I'm unable to help. Also the communcaitons between XXXX XXXX XXXX and XXXX XXXX seems to be a finger pointing exercise with me being the victim of their ineptness.
I received an email yesterday that both banks want me to sign a letter of XXXX which is like pleading the XXXX to cover up a mistake that they are quilty of committing.
|
| 06/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I am writing to complain about a denial of account opening without explanation. At the beginning of XXXX, I tried to open a checking account over the phone with a BMO bank representative. I was denied without a reason, merely that I would receive a letter in the mail explaining why. The letter arrived ( this can be viewed in the attached documents ) but there was still no explanation, just a vague referral to a XXXX report which was allegedly not a factor in the denial. I spoke with XXXX subsequently and received their consumer report which contained ZERO flags or delinquent accounts. This report is also attached.
I make over $ XXXX and my XXXX score is over XXXX. BMO owes me an explanation SPECIFICALLY why this account was denied. I expect a BMO representative to CALL ME with this explanation.
|
| 02/11/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
On XX/XX/XXXX, I opened a new BMO Harris PremierTM Account in branch with using the following bonus promo code : BMOP-XXXX. I met all the terms effective XXXX, by receiving a cumulative total of more than {$7500.00} ( {$8100.00} to be exact ) in qualifying direct deposits by XX/XX/XXXX ( within 90 days of opening, per the terms ). The terms stated the bonus would be confirmed 90 days after account opening ( XX/XX/XXXX ), but as of XX/XX/XXXX, I had not received a bonus and contacted the bank. Ever since, I have been told it was in process in way or another, and as of XX/XX/XXXX, was told it was being escalated. I again contacted the bank for an update on XX/XX/XXXX and was told they had no updates. It's now been two months past the date by bonus was to be assessed, and I still have not been paid.
|
| 12/17/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Company closed your account
|
|
Web |
Older American |
|
I called the bank 3 times : XXXX. XX/XX/XXXX : I requested closing the XXXX account ending XXXX. No funds have been received as of XX/XX/XXXX.
XXXX. XX/XX/XXXX : a. I called the bank to ask why the balance of the immature XXXX account with maturity date XX/XX/XXXX suddenly disappeared. The balance was visible through XX/XX/XXXX. When I looked a second time that day, the balance dropped to {$0.00} b. The bank claimed that I had requested closing the account on XX/XX/XXXX.
c. That is not true. I only requested closing the account account XXXX XXXX. XX/XX/XXXX. I called the bank again to ask why account XXXX had been closed. I spoke to XXXX who told me that I had requested the closure on XX/XX/XXXX.
XXXX. XX/XX/XXXX : I received a check from XXXX XXXX for account XXXX with a penalty of {$540.00}
|
| 09/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
In XXXX of 2022, a check I had written was stolen by a third party after it was mailed. The check was rewritten for a higher amount and the Pay To field was changed. BMO cleared this check and the money was removed from my account. I noticed this on my online account management within 24 hours and contacted them. I was told I needed to come to a branch in person to file a report. I did so on XX/XX/2022, and was told the claim had been filed and I could expect to have my money returned to my account within 1-2 months. It has now been nearly a year. Every time I contact the banker who assisted me, XXXX XXXX, I am told that the claim is still in process. Now he has stopped responding to my emails. I need my money back that was taken from my account because they cashed a check that had been altered.
|
| 03/22/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
1. What we thought was a 30 year mortgage was a 15 balloon mortgage that matured last XXXX during Covid Crisis.
2, BMO holds our mortgage and we have tried to secure a refinance, but they say we are behind in our monthly rent. We were not.
3. We have been paying our monthly rent up to XXXX and they stopped talking our money. When I asked why, no one knew, in fact four supervisors said, " I have not seen anything like this before ''.
4. We are trying their loan Mitigation, we gave them paperwork they asked form, but they want more, in the meantime, BMO is ready to foreclose on our house.
5. Loan Mitigation knows we have the money to pay the rent each month, I believe they are stalling.
6. Can you help, we do not want to lose our house, we can pay the monthly rent, we just need to refinance!
|
| 12/15/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
I received a statement in the mail for a savings account with BMO Harris Bank. I never opened such an account, or I have no recollection of ever opening an account with this bag. I called the number listed at XXXX XXXX XXXX. The representative asked for my account number name and address, which was printed on the statement, so I had no problem, giving it to them. He then asked me to confirm my Social Security number, which he read to me. I confirmed, which I probably should not have. He then asked for my to confirm my date of birth, which he gave to me, and I refuse to confirm he was very rude and hung up on me. I called back twice and asked for the fraud department and I was never transferred over to them. I dont know if this was a fraud or just horrible customer service but I need some help.
|
| 03/31/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
My car was totaled and I still owed a balance on my auto loan. The loan did become past due as we waited for the insurance payments from primary insurance, warranties and gap insurance. After it was past due for a bit I stopped getting statements, and did often make payments over the phone. I never received any statement of my payment showing the amount I paid down. I never understood my balance as I was told there was no longer interest on the loan. So why when I made a payment did the balance not go down that same amount. I asked for statements, but they never came. I was also told on the phone the debt would never be charged off and it still was with a balance of {$240.00}. I understood the balance was paid, but it was not. However I would never have know as I never received any statements.
|
| 10/06/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a BMO Smart Advantage checking account at BMO Harris on XX/XX/XXXX. When I signed up I used the promotion code to receive a {$200.00} bonus for opening the account after making two $ XXXX direct deposits withing 90 days. I sucessfully met these requirements after a direct deposit of {$300.00} on XX/XX/XXXX and another {$300.00} direct deposit on XX/XX/XXXX.
On XX/XX/XXXX ( after not receiving the bonus yet ) I contacted BMO Harris about the status of my bonus and was told that I did not qualify for the bonus because I do not live in one of the targeted states as part of the promotion. The issue with this is that when I signed up for the promotion there were no state requirements, this has only been recently added. Due to this I still deserve the {$200.00} bonus.
Thanks for your help!
|
| 02/01/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
|
|
Web |
Older American |
|
We sent a check by mail on XX/XX/2020 for {$2200.00} to a mortgage company XXXX XXXX XXXX XXXX ) and the check was stolen on XX/XX/2020. The check was taken to BMO Harris bank at XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX and a BMO Harris teller cashed the check for a " XXXX XXXX '' even though the check was made out to XXXX XXXX XXXX In addition, we were charged a {$38.00} account analysis service charge on XX/XX/2020, to analyze an error that BMO Harris made.
We have reached out to BMO Harris multiple times in person, in writing and over the phone. We spoke to a branch manager in person who said if we filled out the required paperwork, we would get our money back. We did this XXXX separate times in person to retrieve these funds and BMO Harris has taken no action to amend this situation.
|
| 08/11/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened an account at the end of XXXX 2017 under a promotion where if I had 2 direct deposits from my employer of {$300.00} or more I was to receive {$200.00} within 120 days of account opening. The website also mentioned that if I applied online this promotion would automatically be applied. I met the terms of the promotion within several weeks from my paycheck, I work for the XXXX XXXX and allotted {$300.00} per paycheck to this account. The 120 days has came and went with no bonus. I called the bank and after waiting a half hour on hold, they told me to keep waiting and if I met the terms it will eventually show up. That response was open ended and ambiguous, and just plain unacceptable. I certainly believe I met the terms of the promotion and the bank has not kept its end of the deal.
|
| 03/07/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I opened an account with BMO Harris bank 3 years ago that was advertised as being an online account with no requirement for physical presence in a state where a branch is located. The bank has taken many thousands of dollars in deposits from me via XXXX. I recently requested an ATM card for the account and BMO Harris subsequently revoked all access to the account by me- I am unable to check balances, deposit, withdraw, or transfer funds. When I called the bank I was told that this was done because I requested an ATM card, and that to restore my access I will need to submit a notarized affidavit to them. This process, the costs, and the triggers for it had never been disclosed to me before this event. The bank is now refusing to answer any of my questions until the affidavit is received.
|
| 11/30/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I have tried numerous times to open a CD account with BMO XXXX during the month of XX/XX/XXXX and have been unsuccessful. I have been denied opening an account five times, yet keep receiving the same automated email response : " Thank you for your interest in BMO XXXX. Unfortunately, your account application has been declined. If you believe you have entered information incorrectly, we invite you to re-apply.
Thank you for choosing BMO XXXX. '' Upon calling BMO XXXX to get more information, they have refused to give me a reason as to why my application was declined. No one would let me speak with a supervisor or provide me with any further information as to why my application was denied. The told me the only thing I could do is reapply, which I have, yet am still getting declined.
|
| 04/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Bank of the West ran a promotion stating they would credit {$250.00} to my account if I had 3 consecutive months with direct deposits totaling {$1000.00} or more for each month. The terms stated only that they needed to be direct deposits from my employer, not that they needed to be ACHs.
I had deposits totaling over {$1000.00} from my employer for each month of XXXX, XXXX and XXXX. For some of my payments, they paid me through my Bank of the West debit card, which are still direct deposits from my employer. The amounts for those payroll direct deposit payments were {$380.00}, {$430.00} and {$630.00} and I have corresponding payment history from my employer.
I met the qualifications, however they have refused to payout the bonus. I appreciate any help you can provide.
Thank you
|
| 07/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
|
|
I purchased a merchandise online and paid through XXXX which the bank decided my dispute was not on my favor as it was authorized. It is true that it was authorized because in my belief the transaction that I had with the merchant was not fraudulent. I emailed the bank XXXX XXXX to reconsider my case on the basis of Non -delivery of goods as there were no goods delivered to me but they did not reply to any of my emails.I paid {$6800.00} USD in total.
{$2000.00} XX/XX/23 {$1200.00} XX/XX/23 {$2000.00} XX/XX/23 {$1500.00} XX/XX/23 I had reported the case to FBI and XXXX police as I am a XXXX citizen working in XXXX, NY.
Please help me recover my funds as I don't know what else to do.
I can provide you the pertinent information and documentation if you need them.
Thank you so much.
|
| 06/26/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On the Morning of XX/XX/XXXX my Debit Card was fraudulently used by someone at multiple locations for a total of 7 times and a total of {$840.00} + {$9.00} in fees. I received a notice from BMO Harris stating that my card was compromised. I called the bank to confirm everything and start a fraud claim. After one day they approved one of my claims and paid me back a total of {$380.00}. After a week and a half of waiting I received a letter stating that they where denying the rest of my claims. They are saying that the physical card was used for the transactions so they are denying the claims, and that the first one was a mistake and they should have not paid that out. I have been in control of the card the whole time and was at home a sleep at the time of the alleged charges. Looking
|
| 11/16/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
XXXX mortgage - I have paid on time over XXXX payments, never missed a payment, and about 2-3 years ago the payments were not being applied to principle correctly. Last year nearly XXXX % of the payments were interest only. Mis-allocations continue to be made and I have to complain very month for them to adjust and re-apply. I do not believe the principle owed is correct. I have paid over {$60000.00} ( XXXX payment at {$600.00} each ) and my principle has gone from {$76000.00} ( original loan amount ) to {$69000.00} after 7 years. Every customer service representative and every escalation ends up with people saying how messed it is and how they have no idea on how to correct it, project teams were assigned to correct it and no access to them or resolution - it continues to happen.
|
| 04/09/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
BMO Harris Bank misapplied my standard monthly loan payment as a principal reduction payment and subsequently marked my account as past due with a collection notice and a collection phone call, 8 days after they misapplied my payment. When I called to remedy the situation I was met with rudeness and resistance. It took 3-4 hours ( over two days ) of my personal time to fix the issue. It was not until I asked to speak to the collection manager and branch manager ( the local branch manager was amazing and put the customer first, she took the corrective actions for my situation ) that they agreed to fix the payment. The issue is the threatening letters and phone calls for a payment that was made on time but misapplied and refusal to admit the mistake or provide letter of correction.
|
| 10/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I paid off the loan on through a XXXX XXXX service on XXXXXXXX XXXX 2023, {$12000.00} which was XXXX XXXX XXXX and have a letter of confirmation of this from XXXX XXXX and was sent to ( Bank of the West ) which is a trade name for BMO Bank N.A. I have made several calls to them asking for the release of my title. They are saying since the merger of Bank of the West to BMO they are so far behind that they are at least 30 -45 days from even finding my payment and releasing my title. They told me the last time I called to not call again because they were to far behind to look for my payment and they would release my title when they got caught up from the merger. This is a court ordered issue for me and I need the title as soon as possible to prove to the courts that it is paid off.
|
| 10/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Web |
|
|
BMO N.A.
XXXX XXXX XXXX XXXX XXXX XXXX My complaint is regarding BMO. My mortgage is through Bank of the West and in order to reduce my mortgage package rate, I agreed to open a checking and savings account. I worked with Bank of the West to open an account that did not have any sort of fees or minimum amount required. I'm using these accounts solely for the purpose of my mortgage. I also had to fight to get paper statements from BMO when Bank of the West always offered paper statements and now I'm seeing a service and maintenance fees associated with the checking account.
On XX/XX/ I was charged a service charge for XXXX XXXX and again on XXXX XXXX XXXX XXXX maintenance fee. I contacted the BMO representative and he said they will not change the service or maintenance fees.
|
| 11/28/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
Older American |
|
I made my initial call to the customer service line to close my savings account on XX/XX/2023. I was told it would be done by XX/XX/2023. When I did not receive my money I called on XX/XX/2023, to get confirmation or ticket number. I was given a number but did not receive my money. I call daily to inquire about the delay, but I am never given a reason. On XX/XX/2023, I was told there was an error, but the bank could not tell me what the error is. There is no manager or supervisor to speak to about any problems. I have been researching this bank and there are numerous complaints about similar issues where people can not get their money. I am a XXXX XXXX on a fixed income, and I do not have thousands of dollars to play with while waiting for this bank to give me my money back.
|
| 08/12/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
On XX/XX/2021. I received a debit card from BMO Harris Bank for a checking account that I did not open. It was clearly an ID theft issue. I filed a report with the Federal Trade Commission XXXX report # XXXX XXXX, the local police department. I contacted the BMO Harris bank multiple times via phone calls and email with the documents they requested since then. Till today I did not get any written communication from them. I was not even allowed to talk to an associate with their Fraud department ( assuming they have one ). Every time I call BMO Harris, they play ping pong for an hour and then they say we are working on it ...
This is a bank that opened a checking account for someone out of state without any usual verifications that decent banks do.
Any help is appreciated.
|
| 07/08/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
XX/XX/XXXX REFI home XXXX XXXX XXXX XXXX interest only and XXXX Harris bank HELOC 10yr w/balloon. Market crash of XX/XX/XXXX , XX/XX/XXXX went under, XXXX now has first , Harris became BMO Harris. Tried to REFI could n't, too far under, nearly every 2 yrs same answer different banks. Balloon payment due on HELOC, jumped through several hoops for BMO. Now they are done trying and want to short sale. House appraisal still about XXXX under loan values. Called XXXX to inform them about Short Sale and see if they would consid er REFI 1st, s aid they could n't, just a collection agency. So I have a gripe with both BMO and XXXX . I just checked XXXX XXXX and my credit scores were XXXX and XXXX , I 'm also a veteran but that did n't matter to anyone.
|
| 12/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification.
On XXXX. XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX.
On XXXX. XXXX, 2020, BMO HARRIS BK N A add a hard inquiry on my credit report per XXXX.
On XXXX. XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX.
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 11/22/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
One of the account holders, who unfortunately, is not very familiar with bank policies or what type of information a bank institution can request over the phone, provided information under the impression that " the bank '' was contacting him due to suspicious activity on the account. He provided information that should have not been given and a few minutes later there were a total of 3 fraudulent XXXX withdrawals made on XX/XX/2019. One was in the amount of {$160.00}, another in the amount of {$750.00} and another in the amount of {$750.00}.
A claim was filed with the bank institution immediately once these transaction were noticed on the account. However, we recently received notification that this claim has been denied and we will have to pay {$750.00} back to the bank.
|
| 02/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Hi, I opened my checking account with XXXX XXXX on XX/XX/2023, at that time I enrolled to the online banking at the branch, I never get the email confirming that the enrollment was succesfull.
I tried to access using the credentials created but never allowed me to go in, I tried to reset the password several times without success. I sent emails to the representative who helped me opening the account but never replied, also I called customer service they said that my email is " wrong '' wich is XXXX XXXX from XXXX, XXXX from my last name, and XXXX XXXX XXXX ( my second last name ) Also I tried to enroll again and the bank replied that was not possible.
I was requested to go the branch, something is impossible because I dont live in the XXXX XXXX right now im in XXXX XXXX
|
| 04/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Hello, my debit card was stolen on XX/XX/XXXX and used at 2 different casinos, total of 2 charged transactions. I reported fraudulent charges with my bank BMO Harris Bank the next day after seeing my card was used. I also reported to the local police department XXXX Police Department ( XXXX ) XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX my bank credited for those charges. As of today XX/XX/XXXX, I have not received any letter or message regarding my account, but I noticed the credit has been reversed. I called the 24 hour customer service this morning and the representative told me BMO Harris is denying my claim because " merchant provided evidence '' and have reversed the credit on my account. I do not know what that means, but that's all he could tell me regarding the claim.
|
| 02/03/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
i CAN NOT believe that I have to correct this problem yet again. I already informed HARRIS BANK in XXXX, that I had an agreement with a previous HARRIS BANK employee in XXXX that I was to put down a XXXX down payment and pay them XXXX a month for my debt.
Instead, of paying my mortgage down, they are INCREASING it every month. They keep transferring the servicer, and now in XXXX they sold servicing to XXXX and now I receive a statemetn that my equity is CHARGED OFF, even though I have been paying them the required amount of XXXX a month as I was negotiated this with previous representative.
This is the SECOND TIME, I am going thru this. Furthermore, my balance should be reduced by all these XXXX payments and NOT increasing. This is not a negative amortazation loan.
|
| 03/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
All three credit bureaus show that I have paid this loan late 6 times or more 30 days late or more. I have never paid this car loan 30 days late ( or longer ). I have called multiple times about my payments because I fell behind due to household expenses, but always paid before the 30 days. I was assured multiple times, by multiple reps in the call center, that since I was making the payment that day it would not be considered late. Go back and listen to the calls where your agents are telling their customers as long as you make the payments before 30 days it won't be reported late on your credit report. Again, I have never made payments 30 days late. It may have been day 28, but the call center said that was fine and would not be reported as late to the credit bureau.
|
| 01/23/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
My complaint involves BMO Harris USA locking my business checking account after mobile depositing a check for the amount of {$5100.00} on XX/XX/2024. On XX/XX/2024 it cleared the issuing bank I have received confirmation from the writer who supplied proof the check cleared. BMO Harris locked my businesses account on XX/XX/2024 at approx XXXX XXXX XXXX standard time. They are in violation of their own funds availability policy as well as causing harm to me and my business. Please help me with this issue BMO Harris says itll be at least 14 days before I get my account back. 14 days to get an account back that had a legitimate check clear same day is absolutely absurd and it will be the death of my business and children. I urge you to do anything you can to help please.
|
| 07/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Bank of the West clearly has no fraud prevention in place. My account was scammed with the same {$19.00} ( {$19.00} for the last one ) charge to XXXX XXXX or something 9 times. This resulted in my account being overdrawn, and they have charged me crazy fees for this. They also charged me a fee for check being cleared and then put on hold by them, even though they sent letter saying they wouldn't. After speaking to them, they did not reverse the charges or remove the fee! I'm out hundreds of dollars from the theft and the fee for the theft causing an overdraft fee. The only different event I used my card for was the ATM at bank of the west. Now I can't put gas in my car, buy food, nothing until my next check as they allowed me to be robbed and then robbed me with fee!
|
| 05/09/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
On XXXX XXXX XXXX used my social security number personal information to access my XXXX online banking accounts and transferred atotal of {$44000.00} to a joint account ( XXXX ), then transferred that money to a personal account under XXXX XXXX ( XXXX ). Afterwards, it wastransferred a BMO Harris account in my name ( I never gave him any type of permission.
I have contact BMO Harris multiple times - XX/XX/2023 at XXXX PST XX/XX/2023 at XXXX PST, XX/XX/2023 at XXXX PST, and as most recent multiple times in XXXX.
On XX/XX/2023, I was able to confirm with the XXXX that there was an account with my social security number and that there was an amount transferred to them on XXXX I have tried multiple times to shut down the account and they still refuse to work with me.
|
| 01/04/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I opened a new checking account with BMO back in XXXX of XXXX online and set up bi-weekly deposits from my employer in the amount of {$1000.00}. I have been scheduling a withdrawal from XXXX around the same day after the payroll deposit to XXXX XXXX which is earning interest. I had no idea my account would be closed. I still have a direct deposit already processed thru my employer that's set to be deposited on XX/XX/XXXX. XXXX never indicated I was not in compliance with their rules. In fact, today I received a notification my statement was available, although upon logging in, I have no visibility to my account nor any current or past statements. BMO has removed any access. Extremely frustrating and they are unwilling to reopen the account. XXXX notification given.
|
| 01/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
We purchased a new 2022 XXXX XXXX XXXX and financed through BMO Harris. We applied XXXX $ down with the dealer which brought our principal balance down too {$28000.00}.
After I was enrolled with digital banking I noticed the principal balance was correctly reported to my credit, but not my account balance where I make payments.
I reached out to the bank and spent well over an hour on the phone in which determined one system showed the correct balance, while the other system showed a 0 down payment balance.
I worked with the representative and thought we had figured out the correct department to handle it. But there was no resolution while on the phone as they said this would take time.
It has now been close to 3 months and the balance issue is not resolved.
|
| 01/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I think Ive already filed one complaint but BMO Harris their customer service is so nonexistent it actually managed to cost me a small amount of physical harm. First I called up and had to hang up because I couldnt hear the person on the other end. When I called back they acted like they couldnt hear me and eventually they just stop talking and I had to hang up. Third time I called back they had closed and they closed up super early so I couldnt reach em.
I am still trying to get a hold of them and I have not even able to check up on my paychecks. This is bad.
Theyve also injured my finger because I have a nervous habit caused by XXXX. And I was so stressed out I did a little too hard and now my finger is a little bit messed up. Its even interfering with my job
|
| 09/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
As the principal of the loan is paid down, interest rates are not adjusted correctly. Also, prepayment is not applied to to the principal and the lender, BMO HARRIS, has made no attempt to correct the matter. The representative even told me on the phone when I tried to address that there is NO WAY for additional funds to be put toward the principal. They have been fraudulently overcharging me for months. Many of these calls have been recorded as they have asked for my permission but the account hasn't been corrected. I am lucky to understand the powerful impact of compound interest. If they are doing this to me there must be many many more who think they are proactively paying their principal loan amount down when, instead, the lender is simply applying forward.
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| 05/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I have been trying to get BMO to provide proof confirmation of lean perfection for over 3 weeks now and have gotten nothing but the run around. I was told I would get the document emailed between the XXXX and XXXX, nothing. Then I was told that they didnt have it. Then I was mailed a pay off letter. I was given in the branch on the XXXX of XXXX s letter stating that I had a loan with BMO for my car. My wife spoke to a XXXX at the XXXX XXXX XXXX on the XXXX who told her that the lien still isnt perfected and no other information. I need this document for legal purposes and have spent over 20 hours contacting bmo in the last month to no avail. I get hung up on after trying to escalate the call to get help numerous times. I need this document now. This is illegal.
|
| 11/19/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Unable to open an account
|
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Web |
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|
I tried to open a five year CD on XX/XX/2023 for XXXX with BMO XX/XX/XXXX on their website, filled in all the correct information, received and used their verification code n my phone, and go rejected twice without explanation. The bank uses a no reply email, and I am abroad for the month and can not contact them at al ( they only have a phone number, which you will be on hold for for an hour ). They provide no reason for the rejection ( and could have none ), no mechanism for appeal, requested no information, and provide now way to contact them on line. This is fraudulent and a licenses bank should not be allowed to deny a CD account arbitrarily, with no information provided and no way to appeal, especially for a five year CD ( what would be the issue? )
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| 05/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
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|
I am trying to set up my PIN for my Business Debit card and the customer service department keeps giving the run around on who should help me. They gave me 4 different phone # to setup PIN ( XXXX, XXXX, XXXX, and XXXX ). Every time I called each number and i would put the correct info in then it would say it is wrong and send me to customer service. At the end of the day after trying multiple times the last customer service lady told me when I asked to speak to her manager she said it will take 20min before I can speak to a manager. After giving her an opportunity to help me she pretended to not hear me and hung up the phone. VERY BAD CUSTOMER SERVICE!!! They can't do a simple thing like trying to get my PIN setup. I don't want to do business with them.
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| 01/28/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
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Web |
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Since XX/XX/XXXX I have received a promotional offer of {$200.00} to open a new checking account with BMO Harris Bank. It is now XX/XX/XXXX and I have yet to receive my incentive for opening a new checking account. Every quarter I brought it up to the personal bankers and Branch Manager and I have not had a resolution. This bait and switch advertising tactic to encourage people to open a new checking account should be illegal. I have not talked to them in almost 4 months because it 's a waste of my time to try to collect something that will never appear. The branch location is XXXX XXXX XXXX XXXX XXXX, AZ XXXX. XXXX. Customer Service says there are no notes on the account showing my request and I 've brought it up to them in 6 or 7 different instances.
|
| 09/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
As of XX/XX/XXXX There was a balance of {$6.00} left on my account, I'd left a small amount on my account and stopped using it however I did not close the account. Overdraft had been opted out since XX/XX/XXXX. On XXXX and XX/XX/XXXX Bank of the west allowed my account to overdraft and applied related fees to the total amount of XXXX. I did not receive any notices that my account was over drafted and did not see this until it appeared on my credit report and crashed my score that I'd have been working on improving for the last XXXX years When this appeared on my credit report I tried to contact bank of the west XXXX different times and was hung up on in both instances. My account should have not been allowed to overdraft as the feature was turned off.
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| 02/25/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
1 ) BMO Harris purposely has long wait times to avoid assisting consumers resulting in charging excessively high fees.
2 ) Unnecessary delays in deposits has lead to charging ( {$76.00} overdraft fees ) excessive fees.
3 ) They threatened to changed the status of my account without any warning. They refused to provide new terms or a specific date for when this change would take place.
Specific Instance : On XX/XX/XXXX I was charged an overdraft fee when I had available funds. On XX/XX/XXXX the BMO Rep provided false and misrepresentative information on several data points. For example, she stated that my funds were available while the mobile app clearly stated pending. Also they threatened to change my type of account without any written warning.
|
| 12/07/2015 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
Servicemember |
|
I had a company credit issued to me and the company closed the credit card in XXXX 2014, however the credit card continued to charge me a fee for a service from another company that I had already closed, without informing me of this going on. The card had been closed and expired and the credit card still let the charges accumulate. They also went to an electronic notification and I was never notified of any of this until I received a collections letter over a year later about charges and they were sending me to collections. The credit card let a company charge a closed account for over a year and never informed me of this, and the company charging against the credit card has not provided any service to me since XXXX of 2014, when I closed the account.
|
| 11/27/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Confusing or missing disclosures
|
|
Web |
|
|
XX/XX/ initiated a transfer from BMO XXXX Online Banking in the amount of XXXX XXXX to an external account. Website says the transfer will take 1 business day for approval. Called XX/XX/ to follow up as I did not get any confirmation or rejection email nor did it show up as a pending transaction on my online savings account page. Their website shows it may take 2-3 business days total but they did see a pending transaction on their end to underwriting. Fast forward to XXXX called back yet again to find out what was going on with the transfer and the rep said they didn't see any pending transfers, thus concluding they either rejected it or it was never processed correctly. Reinitiated a new transfer and told to wait 24 hours to check pending status.
|
| 04/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
My payments SHOULD BE allocated towards interest bearing purchases first. I have a 12 month promotional balance transfer promotion that was offered at account opening. A balance transfer of {$1200.00} was completed on XX/XX/22. The business miscalculated the interest on my account dated XX/XX/22 for {$12.00}, the most I should have been charged should have been {$1.00} minimum finance charge that the business assesses regardless of the balance or amount paid on the account. Additionally, on XX/XX/22 a payment for {$100.00} was made on the account, on XX/XX/22 a payment of {$900.00} was made on the account. The ENTIRE closing balance on the XX/XX/22 statement was {$1200.00} which consisted primarily of the promotional balance transfer mentioned above.
|
| 08/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I purchase a boat in XX/XX/XXXXand Financed it through XXXX XXXX in XXXX, WI. The loan was paid off on time. The WI XXXX still shows a Lien. The XXXX shows the institution to be XXXX XXXX XXXX XXXX XXXX in XXXX WI. I called the bank several times, there was never an answer and each time I left a message. I traveled to XXXX and found the address belonged to a Theater. I contacted the FDIC and they traced XXXX XXXX through several mergers to BMO. I contacted BMO and was transferred to several different people in their records divisions. The last stated that for records that old I need to contact XXXX XXXX. I contacted them and they stated they only have car loans and not boat loans and directed me back to the FDIC. The FDIC then directed me to you.
|
| 08/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Between the dates of XXXX to XX/XX/2023 I check my transaction history of my bank of the west credit card and paid off my outstanding balance. Each time I did the account balance would clear then the next day have a new higher balance that does not match what I have used the card for.
I went through the entire month and checked statement balances versus how much I have paid and I have paid more than is owed on the card yet some how I still owe more money. When talking to two customer representatives one hung up on my and the other is claiming the account is accurate even though I have paid more than is owed on the credit card.
Bank of the west is inaccurately displaying money owed on credit cards in order to scam and steal money from customers.
|
| 02/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
I was told I received an airline refund on XXXX for {$4100.00} and it appears it went to the credit card the bank 's rewards company uses, because it definitely did not get refunded to my account. Bmo harris bank rewards uses a company called XXXX. After multiple calls and attempts to have them track the funds through an XXXX XXXX # XXXX reference number, they still won't return my emails, and hour long phonecalls lead to " we'll call you back tomorrow '' or " we can't find it ''. The purchase was made XX/XX/20 - so I've been at this a LONG time. The airline insists they paid it and that it is trackable. The bank says they don't have it. Someone has committed credit card fraud! And I am out quite a bit of money after a XXXX year battle with both.
|
| 10/14/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
BMO Bank hired a servicing agency to handle all of their Mortgage and Credit loans. I have been trying since XXXX to receive my loan documents. I called on XX/XX/XXXX and spoke with XXXX he advised he would send. Did not receive ; called XX/XX/XXXX Spoke with XXXX he did not see notes, he advised he would send... I then received loan documents on XX/XX/XXXX and it was my old XXXX loan. I now hear from XXXX at BMO Bank that they do not have my loan documents. I asked how are you charging me. She could not answer. My issue is I was advised my loan would never go above {$500.00} per month from XXXX XXXX at BMO Bank ( loan was modified on XXXX ) Second issue is when you call you never have same person so literally it is like a hamster wheel. # is XXXX
|
| 06/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Bank of the west told me over the phone my check would be available the next day and I would have {$100.00} available to spend and not only did they place my check on hold but you proceeded to overdraft money from the available balance they gave me. Completely unacceptable, its a ridiculous mistake on their end. Theres no way over the phone Im told I will receive it the next day then I go into the bank Im told 11 days. That is just unacceptable. I demand some form of answers and I dont want to hear theres nothing that can be done, Im not going to be feed every day until the XXXX and thats simply what it is. They shouldve instantly placed the check on hold if thats the case not over night past midnight after I used some of the available balance.
|
| 11/24/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
BMO Harris has in the past and again is not posting extra principal payments to 3 of my loans.
Loan 1. Payment made {$1200.00}. Normal payment is {$650.00}. Extra principal XXXX never applied and payment for {$1200.00}. never even shown on statement. Only shows what was due as a payment. Stopped making auto payments as they say their computer system does not recognize the extra payment. Now write a check for each loan and hand deliver it to the bank with the extra principal amount shown on the payment coupon. Still they continue to not post these payments correctly.
This has happen with 3 loans I have with BMO.
Earlier this year they started the same practice of not applying extra principal payments and it took 3 months to straighten out.
|
| 12/02/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
I purchased a car XX/XX/XXXX and the loan was through BMO Harris Bank. I had to take a Chapter XXXX Bankruptcy XX/XX/XXXX. However, I was allowed to keep my car and make the rest of the payments IN FULL to a court-appointed trustee. I paid over {$11000.00} in principal and over {$800.00} in interest ( documentation attached ) to the trustee, who in turn paid BMO Harris Bank. I have completed all paybacks on my bankruptcy and yet Harris Bank ca n't seem to locate my title. They also turned me in to all XXXX credit report agencies as having over {$8000.00} " charged off as bad debt '' which is absolutely not true ( see attached documents ). I have spent hours on the phone, hours writing letter, and hours waiting for return calls that never come.
|
| 06/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
There is a transaction on my credit card statement posted on XX/XX/2022 from XXXX & XXXX XXXX for the amount of {$1600.00}. I have returned this purchase and it was delivered back to the merchant on XX/XX/2022 ( XXXX tracking XXXX ), yet I have been unable to receive a refund from XXXX & XXXX XXXX. For this reason, I need this transaction disputed and {$1600.00} credited back to my BMO Harris credit card. I have tried to initiate the dispute online on BMO Harris banking portal but it seems to be impossible to do so. I have also tried calling XXXX to reach BMO Harris credit card dispute department, but it seems like I am being kept on hold forever and nobody ever picks up the call despite a long wait no matter what time of the day I'm calling.
|
| 03/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This complaint is a continuation from CFPB complaint XXXX. The previous complaint was closed out by the CFPB without any verification performed that XXXX had remove the phone number XXXX XXXX XXXX XXXX from its database ( s ) related to debt collection, and phone calls in general.
I am still receiving phone calls from XXXX XXXX on this number. The last call received from XXXX XXXX was an automated phone call on XX/XX/2021 at XXXX pm CST.
As I stated in the original complaint, simply having a financial institution say something has been done isn't an appropriate fix. Root cause analysis has to be done for why the number is being called in the first place. Clearly, the root cause of why this number is being called has been left unaddressed.
|
| 11/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
On XX/XX/2023 I deposited a check into my BMO business account in the amount of {$11000.00} the check came from a account that I had closed once the account was closed they sent me my remaining funds in a check I then deposited it into my BMO account I was told the check will have a XXXX hold the XXXX XXXX has been passed now they are telling me XXXX business days I have asked to speak with a supervisor concerning the matter on 3 different calls was told it can take up to XXXX still havent heard from them everytime I call Im getting told different things never getting a direct answer these funds are able to b verified because on the Check XXXX XXXX XXXXXXXX was the third party that cut the check I need this issue address as soon as possible
|
| 09/03/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
A family member asked to send funds from my XXXX account linked to BMO to their XXXX XXXX. The funds he sent was a bad check. I had enough in my savings to cover the amount that was fraudulent & still had extra funds in my account. The bank told me XX/XX/XXXX they closed my account and I will receive my check in the mail in 3 weeks. I called back again about a month later and they said I need to go into the bank to verify myself. When I spoke to XXXX I told the fraud department on XX/XX/XXXX he said theyre backed up and theres no time frame on when my funds will be released. He said he will have the manager call and its in their notes, but no one reached out. Its going on 5 months now. My account is not closed its still in the frozen status.
|
| 07/20/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Money order
|
- Lost or stolen money order
|
|
Web |
Older American |
|
I had a money order made out to Thresholds that was stolen and cashed at XXXX bank. I made 2 complaints to the consumer financial protection bureau about this and XXXX claimed to have sent a check to my bank on XX/XX/2023. My bank, XXXX has yet to receive this check for {$290.00} as of this writing. I am filing a 3rd complaint, this time with a declaration of unauthorized endorsement or altered item signed by my landlord saying they never received the payment in question. I also submitted my checking account statement of deposits going back 6 months showing no deposit of {$290.00} from XXXX has been made to my account. this getting increasingly frustrating to me. The fraud recovery manager from XXXX, XXXX XXXX has been impossible to reach.
|
| 02/05/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
XXXX XXXX in my previous complaint did not address why they violated Regulation B and did not respond within 30 days. there is a message received on XX/XX/XXXX XXXX XXXX from XXXX with XXXX XXXX Bank in XXXX that he received my application. the bank sent the denial on XX/XX/XXXX almost 90 days later. I feel that I was treated unfairly and then XXXX XXXX called with denial that did not explain all the reasons for the denial and instead they discouraged me to proceed with the refinance because of the high rate in my situation and instead told me to apply for the modification that was denied. they refuse to provide me any additional options. the only option they may consider is short sale which I refuse to do and want to stay in the house
|
| 11/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I recently opened a HELOC with Bank of the West ( Account XXXX ). The Bank never sent me any statement, nor they e-mailed these. When I found out that I was 60 days late on my payment from the Credit Bureaus, I contacted the Bank. They informed me that these statements had been deposited to my online access space, of which I was unaware as the Bank of the West had been acquired by BMO and they were still transitioning through their new XXXX. Suffice to say that I paid the balance and put the future payments to Auto-debit.
I have thus far contacted the Bank, and even my relationship XXXX, XXXX XXXX, to no avail. I have never been late or defaulted on my obligations, and I find this instance and lack of their response rather malicious.
|
| 09/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I was a Client Ive been to the west last month. I asked them to close my account because I changed banks and I let them know how disappointed I was in them. Well, they didnt close my account. They left it open for my Social Security check to go in there, when I went to retrieve my money, they had locked me out of the bank and called the police on me. Bank of the west is merging with BMO bank of the west has no knowledge of my remaining balance of {$500.00} I called Social Security I called BMO. Im called every single place to be given the runaround when I went to pick up my money I had {$500.00} in there in my account online I could see the minute I pulled up they close my account. It was {$500.00} left and all that went down the tray.
|
| 04/29/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I am still awaiting a credit balance refund I requested on XX/XX/XXXX Company says I must wait another 3 weeks.
1026.11 Treatment of credit balances ; account termination.
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ;
|
| 07/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
My BMO card was charged {$900.00} by a transportation service i never used, i spoke with a representative about this matter and she me why did i give them my card and that the company could always charge my card if they have it on file without my permission. i immediately ask for a supervisor she told me that this was not the case and they would dispute the charge and cancel the card. i have been paying this account every month and still have yet to receive the card. i check the account and it was over the limit. i called back to ask for a supervisor and was unsuccessful in doing so. now this account is being marked late despite it being paid every month. I have called again and i am still waiting on a supervisor. This is a disaster!!
|
| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information is incorrect
|
|
Web |
Servicemember |
|
Yes, I have called this Past Sunday on XX/XX/2023. I have reported that my card was lost/stolen and I have also found 6 unauthorized transaction. As I reported which transaction they were. I was told to call back once the pending transaction gets posted to the account. As I was calling back like 3 days later. I was on the phone for about 2 hours due to the fact that each rep had hang up on me and I would have to constantly repeat myself!!
So i'm not sure if i'm getting help or what the deal is. I don't want to be responsible for these 6 unauthorized transaction and I'm not sure what the deal with the customer service department. I'm also tired and fed up about calling back all the time since you guys keep hanging up the phone on me!
|
| 11/13/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I contact BMO Harris Bank back XXXX 2015 for a short sale. At the time, I was working with XXXX XXXX and XXXX XXXX. they were both great to work with and very good at getting back to me, and vice versa I provided whatever they needed in a very quick turnaround. Well after getting approval, the buyers financing fell apart, so the deal was dead. About a month later we received another buyer netting same thing to the investor but I was transferred to working with those XXXX ladies to working with XXXX XXXX, and immediately following to XXXX XXXX now. She is horrible at responding to emails, and does not return phone calls and we are going on and on now waiting for approval again of something the investor already approved a month before.
|
| 03/12/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I need help with BMO Harris suspicious account activity. I have had 2 loans with Bmo harris for many years. 2 Mortgage loans. I went through a bankruptcy in XX/XX/2009 and reaffirmed on both loans. I have been making 2 monthly payments and I have recently tried to refinance with a different bank. I just found out that the 2nd loan has been sitting in a bankruptcy hold account and my payments have not been being applied to this loan. And on top of this they have applied over XXXX in Late charges to the account with out contacting me of any problem. I asked the representative why I was not contacted and she said because they can not contact an account in bankruptcy. The acct has been out of bankruptcy since XX/XX/2009. PLease help me.
|
| 12/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened Relation Checking account with BMO bank on XX/XX/2023. At the time of opening the account, there was an offer of {$600.00} opening account bonus once {$7500.00} of direct deposit made with XXXX days ( attached ).
On XXXX XXXX, I called BMO bank to inquire on the offer as I had completed all the qualifications.
XXXX told me that the offer was to complete requirements in XXXX days and not XXXX days and hence, I would not be eligible for the offer. I tried to explain that BMO had a revised offer of XX/XX/XXXX and that is exactly the reason I opened this account.
BMO XXXX did not honor the request, I sent a written complaint as well. I need CFPB to look into this matter and penalize the bank for predatory practices.
|
| 07/14/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I have been locked out of my BMO Harris High Yield Savings account for the last few weeks, and have tried more than four times to call the bank to get reconnected. As I'm based now in the XXXX, each of these calls, which have been 10-40 minutes each, cost me a lot of money. I have yet to access my account. On the most recent call, after 20 minutes on the line with one representative, I was told that I'd need to connect with the fraud department, with a 40-minute wait, and that they would not be able to call me back or give me a number that I could call back at a later time, or give me an email or other way to communicate with the bank. I'm so frustrated that I've completely lost access to my money and have no way to get it back.
|
| 05/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
I canceled all my accounts with BMO Harris last year. in XXXX I received a bill for a purchase I did not make in Califonia I. called BMO Harris and told them. about this. and was told they would take care of it. I have received a bill every month and many letters demanding payment. I receive 4 or 5 phone calls every day and have had my credit destroyed. I have called them dozens of times and have been put on the merry-go-round of referred to someone else. eventually to be switched back to the first person. I went to their branch in XXXX XXXX. and was told they would take care of it., another lie.It is 12 noon at my home and I already received 4 phone calls from them.I would be thankful for any help you can provide XXXX XXXX XXXX
|
| 12/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
Servicemember |
|
BMO acquired my Boat loan from Bank of the West. My payment with Bank of the West was set up on auto-pay. When the account was transferred, BMO indicated that I had to RE-ACCOMPLISH my auto-pay, which I did. Since that time, BMO has auto-drafted my checking account TWICE each month. I have called and explained the issue to no avail despite assurances that the problem has been rectified. My checking account has gone into overdraft TWICE now as a result. This has cost me {$70.00} in overdraft fees and has completely disrupted my finances.
I am a XXXX XXXX XXXXXXXX veteran on a fixed income. I have managed my finances without issue for more than 50 years. BMO is unresponsive and nearly impossible to communicate effectively with.
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| 10/23/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Fees charged for closing account
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Web |
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My son went into the XXXX office branch XX/XX/2023 to close the checking account I had opened for him when he was a minor. He worked with the teller at the counter and confirmed everything was closed - much to our surprise we find out something was deposited into the " closed '' account on XX/XX/2023 and now the bank has charged us an insufficient fund fee EVERY month since then. This has taken the amount deposited and now they say we owe them money on top of that!!! How can a deposit be accepted on a closed account?! It should have rejected back to the sender!
The original bank was Bank of the West but they have since merged with BMO. The monthly " junk '' fee they charge went from {$10.00} a month to {$15.00} a month now!
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| 03/19/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Refund anticipation check
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Web |
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BMO Harris Bank cashed the check without confirmation of proper ID.
I was expecting a bonus check for {$3000.00} from XXXX XXXX XXXX after 90 days of employment with XXXX XXXX. The check was sent to XXXX XXXX XXXX in XXXX XXXX, IL XXXX, which is the address that I was supposed to lease, and I notified XXXX via email of my new address on XX/XX/XXXX and on XX/XX/XXXX. XXXX XXXX of XXXX never updated my new address. The check was sent to XXXX XXXX XXXX, XXXX XXXX, IL XXXX, and the occupants at XXXX XXXX XXXX stole the check and forged my name. The check was cashed at BMO Harris on XX/XX/XXXX.
XXXX XXXX is the bank for XXXX XXXX XXXX, and they will not reissue the check until they are reimbursed by BMO Harris.
Thank you!!
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| 03/14/2018 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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As a first time homebuyer I applied for home loan with my Bank XXXX XXXX. The representative that I been working with first game me an verbal option of FHA or XXXX with 485 % interest rate and {$3200.00} closing cost with my current credit score of XXXX. I received the documents via mail to sign but the documents reflects a completely different information of what the representative told me in person.
The documents for me to sign has 5.375 % interest rate for conventional loan the rate it is fix but not lock and closing cost it's over {$6000.00}.
As a first time homebuyer I am not sure what to do so I reached out to my local homebuyer workshop coordinator and she suggested for me to contact you.
Can you please help me?
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| 02/01/2024 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Deposits and withdrawals
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Web |
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I open BNO Bank account to receive promo after XXXX days with {$4000.00} money direct deposit.
When I opened on their website it made me open XXXX accounts, could not open unless I opened XXXX different accounts. I did not want to open both accounts, but it forced me to.
Was not XXXX XXXX fined for this a few years ago?
The promo is for XXXX direct deposit into checking account, but my first XXXX deposit was into saving account on XX/XX/XXXX by mistake, I request that they account that deposit towards my promo fulfillment. that is issue XXXX.
XXXX issue is with money from XXXX to open account was made, but i want to know why the last XXXX digits list on BMO website is different than my XXXX account, why is this?
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| 10/12/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened without my consent or knowledge
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Web |
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We started to get statements from XXXX XXXX regarding a past due amount due on a credit card for our company. We do not have a credit card with BMO so we called them to get information. They stated the card was opened 2 years ago and just recently became past due of {$8100.00}. I stated we have never had a credit card and to provide, charges, dates, where this card was sent to, etc etc. They refused to provide anything and kept either transferring or just hung up. They stated they would only provide information if it was paid off first. We called several times to report this as a fraudulent credit card or to get information. The more we spoke to them, the more it seemed that they XXXX was committing the fraud themselves.
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| 09/06/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Closing on a mortgage
- Trying to communicate with the company to fix an issue with the loan closing
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Web |
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I sold my property and Im trying to pay off my HELOC and the Bank Of The West transfer to BM old bank and I was told that I can not pay it off until the XX/XX/XXXX date because they were doing a transfer of banks. When I tried to call and pay off my loan they have done everything possible to not allow me to pay off my loan. I have called Now four times and they have made it virtually impossible for me to get my new account number so I can pay off my loan and Ive also asked them to fax to the escrow office the payoff which they have not. I have now incurred interest for over a week due to this transfer of bank and also have lost interest on my money that the escrow is holding over {$60000.00} in excess of my alone amount.
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| 10/30/2017 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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I opened a new checking account in XXXX with BMO 's promotion for a {$200.00} account sign up if you had two direct deposits within the first 90 days. The terms specifically listed that the direct deposit included retirement/pension payments. I went out on leave from work in XXXX and started using funds from my retirement account for ongoing expenses. I deposited these funds from my account to BMO several times over the following 90 days. However, BMO is now telling me that those deposits are a fund transfer and I am therefore not eligible for the account promotion, despite them listing retirement/pension payments as a valid direct deposit. After much interaction with their customer service online I have not been helped.
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| 10/01/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Older American |
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Ive received a monthly pension check from XXXX for 11 years on the 1st day of every month. BMO recently bought out Bank of the West and on the very first month of taking over my check was not automatically deposited. When I called C/S I was told I would have to wait until XX/XX/XXXX to access my money because XX/XX/XXXX was a Sunday. Never in 11 years of electronic deposits has this been a problem. So BMO can just buy out a bank and change the rules? XXXX has electronically transmitted the info and BMO can just hold on to my money until they decide to release it?
My rent and other automatic payments are due today on the XXXX and will not process because my pension check is not in my account as it has been for 11 years.
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| 11/09/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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They offered a {$200.00} bonus if I used the card to make {$2000.00} minimum in purchases, but, at about the time I spent the {$2000.00}, and qualified for the bonus, they, all of a sudden, locked my card, so when I called in, they said that I needed to fill an " ID Declaration Form '' out, and give them my photo ID. I didn't want to do that, so I just stopped using the card, but, now, they're saying I won't be able to redeem the {$200.00} bonus. They're changing the terms after the fact. I never agreed to supply them with my photo ID, and I don't feel comfortable with the fact that they're holding my bonus over my head to get my photo ID. I just don't trust them, especially because, to me, they are being underhanded.
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| 12/08/2015 |
Yes |
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Web |
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After paying annual fees for many years to Diners Club - run by BMO XXXX - I attempted to redeem points for miles. I completed my transaction only to receive an email receipt stating the transaction would take 2-6 weeks to complete. I needed the transaction immediately. I called the company within an hour of the transaction and they said they could not refund the points to my account, even though the transaction had just taken place and even though they did not disclose anywhere on the purchase pages that they time frame would take 2-6 weeks. I went through XXXX levels of customer service people for over an hour and all they would offer me was my annual fee back. I am not out XXXX miles - the equivalent of {$750.00}.
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| 07/11/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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The amount of monthly payment Bank of the West applies to the interest payment varies and always has since this simple interest, installment loan began. It makes zero sense and isn't how these loans work.
Simple interest installment loans have an amortization schedule over the life of the loan showing where from day 1 a portion of the monthly payment will go to principal and another portion to interest. Over time, more of the monthly payment begins to go toward the principal as the interest amount owed lowers becasue it is based on the total principal value.
This is not what has been happening with my installment loan since day one and a simple review of its payment history will reflect exactly what I am saying.
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| 12/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have contacted BMOHARRIS/BK/XXXX also known as XXXX loans with XXXX XXXX in regards to incorrect reporting on my XXXX report. The account has never been late and was paid in full XX/XX/22, however the creditor is reporting as a charge off collection paid in full with the last payment date of XX/XX/2022.I have disputed with XXXX XXXX times I called the creditor XXXX and requested they update. I filed a complaint with the XXXX with the result being told that they are reporting correctly and not showing as adverse on their end and being referred back to XXXX to resolve. I am in the process of purchasing a new home and this has impacted my score negatively and significantly compared to the other XXXX credit bureaus.
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| 09/09/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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I went and paid my HOME EQUITY LINE OF CREDIT in full on XX/XX/2020 and the payoff that I got from BMO Harris Bank was as of XX/XX/2020 but I paid it early. Since I paid it early, I was charged interest after the XX/XX/2020 and the bank has yet to refund me the extra interest that I paid.
Also, BMO Harris charges me a fee of {$75.00} per year to keep the HOME Equity LINE OF CREDIT open which I paid on XX/XX/XXXXbut I received a new letter that shows, they will be charging me a monthly fee of {$75.00} stating XXXX and so on.
My Home Equity Line of Credit documents that I signed when I opened the HOME LINE OF EQUITY show that maintenance yearly fees is {$75.00} and comes out of my personal bank the month of XXXX.
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| 03/31/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
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Web |
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I wanted to buy a drone. I found a guy on XXXX XXXX and instead of buying the drone on there we agreed to go on XXXX. I sent him {$570.00} under the protection and then the money said it was not sent. It said money was not charged because his account was new but the money eventually was given to him and I never received money. XX/XX/XXXX is when the money was posted. XXXX didnt do anything about the issue. I recovered the money back from BMO and we agreed to go on XXXX. I made two payments. One for {$300.00} and the other for {$250.00}. He sent me fake XXXX information and never sent the drone. I lost {$550.00} from the XXXX deal. BMO gave me {$570.00} but today I look and they declined the dispute for that money.
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| 01/23/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
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Web |
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BMO closed my checking account due to inactivity which is false because I get direct deposit every XXXX weeks from my employer and also use XXXX to transfer money. Not once did I receive a notice that my account would be closed due to inactivity. I believe that they closed my account because they didnt want to pay me the {$400.00} bonus I am owed due to the promotion i participated in and I met the requirements, but one of the requirements is for the account to be open in order for it to be paid. So of course they dont have to pay me if my account is closed but they unjustly closed my account. I want BMO to be held accountable and for them to pay me the {$400.00} that I was eligible for as I met all requirements.
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| 04/23/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Confusing or missing disclosures
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Web |
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I put XXXX in my business checking account so I can get the XXXX bonus. I went to the bank and they said something was going on that I have not received the bonus in my business checking account. There was an error opening it up so I thought it started XX/XX/XXXX. I kept my money in there and made 10 transactions on XX/XX/XXXX. There was a lot of confusion because XXXX did not open the account correctly so I had to go back to bank the following week and she informed me that is when my account would be opened. She could not open it with the error that currently happened the week of XX/XX/XXXX. I was then told at the branch I had until the second the week of febuary the XXXX. So for one day im not getting the bonus
|
| 07/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
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Web |
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I deposited three checks which turned out to be fraudulent. I notified the bank immediately when I found out about the fraud. The bank locked me out of my accounts and turned it over to their fraud department. However, it has been a month since the last bad check was deposited. Two of the three have been returned, one hasn't been.
The bank deducted the amount of the bad checks when they let me close my savings account, however, they will not allow me to close my other checking account. That checking account was not compromised and the bank should be able to verify that.
They have been putting me off since XX/XX/14 and are holding onto over {$10000.00} of my money and they will not let me have it.
PLEASE HELP!
|
| 12/20/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
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BMO HARRIS charged me 10 ( TEN XXXX overdraft fees, when I specifically told them on the phone and online, that I do NOT want overdraft.
BMO HARRIS paid a {$12.00} overdraft and then charged me {$70.00} dollars, which is a 600 % profit for them. USUARY and FRAUD.
I told BMO HARRIS. If there is not enough money in the account, do NOT pay any fees. Simply decline the transaction. For the sole purpose of defrauding their customer, BMO HARRIS decided to pay {$12.00}, then charge me TEN ( 10 ) overdraft charges.
BMO HARRIS has now sent my account to XXXX XXXX You must prevent this customer abuse.
1 ) I never requested overdraft 'protection ' 2 ) Charging customers a 'FEE ' of 600 % is fraudulent and abusive
|
| 10/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
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|
Web |
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My BMO credit card was placed on a fraud alert, as tried to purchase an item from XXXX and then XXXX. I called them on XX/XX/2021 to state that the charges were indeed legitimate and their agent said he lifted the fraud alert. After trying to make several purchases later that week they were all declined. I called again twice again on XX/XX/2021 and it apparently my card was still on fraud alert ( as I had paid my balance in full, the current balance was {$23.00} ). I inquired and the agent stated they " would call me back in 2 minutes '' after I explained that there was no fraud taking place. The agent ( s ) never called me for resolution. On XXXX, I called to close my account and their agent did not comply.
|
| 10/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I attempted to make my XXXX payment on XX/XX/02, but was presented with website error. I have been unable to get into my BMO Harris digital banking account. I had attempted to reach the phone number provided in communication, but the calls never went through. Once I finally reached a representative at BMO Harris, they unlocked my online access -- though the website error never indicated that my account had been locked. When I attempted to make the payment, BMO Harris then froze the transfer feature on my account with a fraud flag. I had to call in again, and they put in a request to unlock this and push my payment through. The payment was then successfully drafted from my checking account a few days later.
|
| 10/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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|
Web |
Servicemember |
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I tried to pay off my loan with BMO. The amount still owed was XXXX was sent to them on XX/XX/XXXX. My bank said it was clearly written out for that amount but they requested from my bank XXXX. My bank said to call the company and let them know they made a mistake and they would send back with insufficient funds. I did this. The first woman I spoke to said that it was obvious that someone mistook a 1 for a 4, and that they would take care of it, and if it did not get taken care of before the next payment was due there would be no late fees. I waited until today ( XX/XX/2023 ) to let them fix their mistake, but had heard nothing. I called on 3 different occasions today and was hung up on 3 different times.
|
| 01/21/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
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I had an account with bank of the west before it was purchased by BMO. I called bank of the west to cancel and close my account after I removed XXXX my money. They assured me it was going to be closed. Then BMO purchased the bank and i'm not getting a collection letter stating I owed money. I never had XXXX account with BMO and my bank of the west account should have been closed when I requested. XXXX XXXX XXXX XXXX apparently allowed XXXX transaction to go through when I already requested the account to be closed and overdrawn it, then forwarded it to BMO without my knowledge. I do not own XXXX balance as this account should have been closed from XXXX XXXX XXXX XXXX XXXX before they merged with BMO
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| 01/06/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Servicemember |
|
In XXXX of 2023 I contacted BMO Harris Bank about a rewards issue with my credit card. When the representative answered my call she could not speak English or understand it very well and began to ask me security questions which I could not understand or answer and so she suspended my account to the point where I could not even close the account. I was sent an email stating I would have to go to a branch of which there is not XXXX within XXXX miles of my location or go and get notarized forms email it to them call and verify that they were emailed in order to do this all at my expense and time for which I don't think is reasonable since I did nothing wrong except wanted to have a rewards issue explained
|
| 09/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
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On XX/XX/2023, I opened a new XXXX XXXX XXXX account at BMO Harris bank using their website directly which had advertised a signup bonus of {$300.00} after a direct deposit of {$4000.00} in 3 months. It's been over 3 months and I have received direct deposit of {$4000.00} in my bank account. But the bank says that my signup bonus was declined because I used the wrong promotional code while opening the checking account. However, I opened the bank account directly using the link from the bank promotional page where the promotional code was pre-applied so there is no chance of using the wrong promotional code with the type of checking account I opened. My sign up bonus was therefore declined as promised.
|
| 02/07/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
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We have HELOC with BMO Harris bank originally until it was transferred internally with XXXX XXXX XXXX. ( XXXX ). We have tried to call them multiple times and arrange a payment schedule with them since our HELOC matured and affected due to our bancruptcy filing back in 2015. We got a lettter from XXXX and demanding to pay the full amount payment of XXXX. XXXX rep said they are no longer sending statement. We are willing to work with them and pay down our loan but we couldnt get any meaningful assistance form their rep or even discuss it in person. We are looking to refinance it but since they are reporting the past due account in credit reporting agency we are having to problem starting this process.
|
| 11/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
Older American |
|
For the last three months an image statement surcharge of {$3.00} was added to my checking account. This happened after BMO took over Bank of the West.
prior to the transition, BMO stated that the a monthly service fee would automatically be waived for customers 65 years or older. The check image fee of {$3.00} would be added if they were requested. There is no mechanism to request or stop the images, so the fee is by default mandatory.
When I called customer service, I was told many former Bank of the West customers have called to complain.and that BMO was working on it. However, the representative had no idea on what was being done.
They suggested I go to paperless statements to avoid the fee.
|
| 05/25/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Older American, Servicemember |
|
Nearly a month after closing the account BMO Harris sent a cashiers check to me. I tried to cash this check at two locations that deal with cashing checks. Both of these places said the check could not be verified even after calling BMOHarris.
I then tried to deposit this online to my bank they replied that they could not cash this check and that I should check with the person that issued the check.
BMOHarris people have not called me back and I have called at least three different people. I was told Id be called back within an hour and that never happened.
Once I wrote on the back of the check that it was for electronic deposit to my bank, no other check-cashing service will touch this check now.
|
| 12/20/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
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Web |
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I opened a checking account with a {$200.00} promotional offer. The terms stated when applying online the 'code ' would be applied automatically. This was in XXXX, now in XXXX, they are asking me what the code is after stating that the bonus will be coming next statement for the past 3 months.
1. At account opening, you must mention the promo code in the email sent to you. To receive the bonus : 1 ) Open a new BMO Harris Smart Money Account, BMO Harris Smart Advantage Account, or BMO Harris Premier Account between XXXX XXXX, XXXX and XXXX XXXX, XXXX in a BMO Harris branch, by calling XXXX, or by clicking open now above. Well automatically apply the {$200.00} bonus promo code when you apply online.
|
| 09/29/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
|
Bank of the West gave illegal access to my aunt and I safety security box, where we kept our private documents. I have asked several times for the copies of everything, even after they admitted they were wrong and they have decided to ignore me. I gave them every document requested. They even had me come down on my birthday to collect the documents and pictures, and after having me stand out in the sun for almost an hour ( the location was closing ), they didnt give it to me. Not only do I strongly believe they racially discriminated against me but caused fraud to be committed against myself, my aunt and my children. They need to be responsible for the over $ XXXX in losses they caused immediately
|
| 04/18/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
BMO Harris advertises that " Open a BMO Harris checking account ( BMO Harris Select Checking and BMO Harris Portfolio Checking ) and receive a bonus of {$200.00} when you set up a qualifying recurring direct deposit of at least {$300.00}. '' I have completed the requirement many months ago and they have refused to pay the bonus. The reason was " Your account had only XXXX direct deposit of a Social Security payment ; it was not recurring. All other credits to your account were internet transfers from XXXX. '' I apologize for having thought that recurring deposits from my military account would qualify. I kindly ask if you could please honor the bonus as a one time courtesy.
Thank you so much,
|
| 05/31/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
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MAJOR SECURITY BREACH by BMO Harris Bank- received my IRA statement Form 5498 along, with my statement was another individuals statement with last 4 of the soc sec # and account balances and account numbers, Home address. Upon contacting BMO Harris on X/XX/17, concerned about Identity theft they had no process in place or what appeared to be a plan. Asked me to shred the other person documents, and that they were sending out a new statement with the corrected info. They offered credit bureau monitoring. No mention of identity theft protection which is what would be needed in this scenario, XXXX accounts impacted, this is worth a visit from the CFPB to the BMO Harris and some government fines.
|
| 10/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
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On XX/XX/2023, I opened a new checking account with XXXX XXXX ( Reference number XXXX ). I was approved and was provided with a confirmation email and a checking account number. A small {$25.00} transaction was debited from another banking institution as an initial deposit. Additionally, I changed my direct deposit paperwork with my employer so that my paycheck would be deposited into the new XXXX XXXX account. A {$3000.00} payroll direct deposit was successfully deposited into the account. Now those funds are missing! Unfortunately, XXXX XXXX can no longer seem to locate my account even though there is > {$3000.00} tied up in the account. I want to be able to access my funds in my account.
|
| 06/28/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
BMO Harris is inaccurately reporting information to the credit bureau on XXXX loans. My XXXX credit report, dated XX/XX/XXXX, indicates that I have scheduled payments that are past due. This is untrue. Further, it reports that both loans have 25 year terms, which I believe is also untrue. My XXXX BMO mortgage loans both matured on XX/XX/XXXX and no longer require regular scheduled payments and this is validated by my monthly Mortgage Statements from BMO Harris, which do not show any monthly amount as being due. It is true I have a balloon payment that is due and I will work with the bank to resolve it. However, what is being reported to the credit bureau is false and needs to be corrected.
|
| 01/18/2024 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I filled a complaint previously against BMO. BMO responded but their information is incorrect. BMO stated I paid {$190000.00}. I actually paid {$1900.00} on XX/XX/year> however nobody can provide me with a statement as to what I am paying towards. BMO also states I can go to any branch and make a payment, however nobody in a branch can locate my name, social security or an account number associated to me. The phone number provided in their letter for XXXX XXXX XXXX for any information is also incorrect. Nobody at that phone number can locate me either.
What account am I paying towards?
Why can nobody provide me with any answers. I have spent days and now weeks trying to figure this out.
|
| 08/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
BMO Harris sent a letter dated XX/XX/XXXX stating some other company was taking over my mortgage. gave numbers to call. they said call back XX/XX/XXXX, did that now it's call back XXXX XXXX they gave or sold loan to XXXX ( XXXX XXXX ) on address no way to contact other than Numbers that tell you call back later.
The letter stated that if you had automatic withdrawl from account do nothing. THe XXXX XXXX has come and gone no payment taken out. no way to check balance or anything else. Very Likely they will XXXX up my credit rating, and possibly cause repo of property.
This is the 2nd big change in a few months, the other pertained to checking account which I finally go straighten out.
|
| 04/16/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
HARRIS BANK WAS ONE WEEK LATE with STARTING the PPP PROGRAM. On top of it, the first day they DID open they did not have ANY APPLICATION to apply for online like other lenders.
They said fill in your informatiion and someone will contact you in 48 hours. NO ONE ever contacted me. And now the program is closed. They have virtually eliminated a chance for my business to survive since my business account is there.
They are inept. How dare they start a week later, and only send you a canned email SOMEONE WILL CALL YOU BACK in 48 hours, and now the program is cancelled due to lack of funds.
This is the worst bank in the world. INEPT INEPT INEPT. They have excuse for their unreadiness.
|
| 01/20/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American |
|
I opened a checking acc with BMO HARRIS BANK under condition that there will be a monetary bonus issued for new act as long as certain criteria was met. I was also given an atm card with option to choose my own pin .after the atm car arrived I contact the bank gave them my pin. I was trying to use the card in the next 2 days it wouldn't work I called the bank and was told the pin was only good for 24 hrs [ how stupid is that ] and my card was blocked there is not a branch within XXXX miles from when I called them I was told my identity wasn't verified 3 times I was sending my documents state driver license, notarized letter I keep getting stonewalled .please help me resolve this issue
|
| 08/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information is incorrect
|
|
Web |
|
|
So back on XX/XX/2017 I applied for a bank account at the bmo harris online, I was approved, I never got the chance to bring in my signature card and deposit on time so the account was closed.I called and was informed I had reapply application again but now this time I was denied in which i found odd.I then come to find out that BMO Harris reported me to check systems for fraud.on XX/XX/2017.
They have wrongfully put this on my consumer report and I want it off, I have never been reported for fraud.I consider this damaging to my reputation by libel.I am a XXXX worker for over 26yrs for a XXXX XXXX I have been a making a difference on published website, University XXXX XXXX XXXX XXXX.
|
| 06/04/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
Older American |
|
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.
|
| 01/15/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/18 I went to withdraw my XXXX funds in order to deposit them in my BMO Harris checking account to pay my bills. I was using BMO Harris 's ATM. The ATM gave a display of " This transaction could not be completed at this mentioned '' and gave me a receipt stating that it DID give me my cash.
I then went to BMO staff and explainedy problem. They stated that I needed to file a " charge dispute '' with XXXX XXXX, as if it was like a purchase at some store. I suggested the count the money in the ATM and see there was an excess of {$740.00}. They wouldn't do it.
In a nutshell, I made a withdrawal at BMO Harris and did not receive my money. Now BMO Harris has my money and I don't.
|
| 04/11/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I went to BMO Harris Bank located at XXXX XXXX XXXX, XXXX, KS XXXX to open a checking account. When I received my first statement I noticed the bank opened a credit line without my consent. I asked the bank to close the line of credit and so they mailed me a form to sign giving them consent to close the credit line. I brought the paperwork into the branch on XXXX/XXXX/2016 and was assured the line of credit would be closed. On XXXX/XXXX/2016 I noticed the line of credit was still open. I spoke to the branch manager and he told me the banker handling my account must be busy and he 'd talk to her about it the following week. Today is XXXX/XXXX/2016 and my line of credit remains open.
|
| 10/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
Servicemember |
|
Bank of the West transferred my RV loan to BMO. BMO is making it difficult to pay the payment without an internal checking account. They will not allow an external checking account to be entered and saved for payment. They told me it was an internal error. We looked it up online and it seems other customers are having the same problem. They have apparently been refusing to take payments and repossessing RVs. I just tried to make a payment using their quick pay service and it was refused. I apparently can not make a payment within 14 days of the last one. This is suspicious and the only way to solve it is to open a checking account with BMO. I just want to pay my bill every month.
|
| 07/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
There is in excess of 10 inquiries on my credit report which I did not authorize all in the same time period. I tried to resolve it with a credit bureau XXXX and I was told within 24 hours that the inquiries were all valid and would stay on my report for 2 years. There are no loans or credit lines in any of these places that have inquiries. It is impossible that i authorized this and it seems to be illegal to tell me within 24 hours without proper investigation that they are valid. The false inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 09/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
Filed dispute for a transaction that was a Billing error. I was charged for a transaction that was cancelled because showed as declined. After I filed dispute waited >90 days with no results. When I asked for an update customer service at bmo Harris bank said they can only send an email to investigator no phone number I can call or they can call. I requested for at least a provisional credit because following federal law EFTA I should have at least received a provisional credit after 10 days. However customer service rep responded by stating they considered my dispute a courtesy dispute even though I told them no, its a billing error therefore Im protected under EFTA federal law.
|
| 04/28/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
On XX/XX/2018 ; I made a cash deposit at a BMO Harris Bank Branch ATM to ensure an NSF fee would not be assessed on an ACH debit. The deposit was made at approximately XXXX and according to the receipt the cash deposit was readily available. Despite the cash deposit being posted, my ACH was returned and I was charged a {$36.00} NSF fee by BMO Harris.
On Friday, XX/XX/2018 at approximately XXXX ; I contacted BMO Harris Bank about the NSF fee and was told that the cash deposit needed to be made by XXXX Central DST or XXXX PDST. I live in XXXX, Arizona which is currently on Pacific Daylight Time and I was told that because the deposit wasn't done by XXXX Pacific the fee was valid.
|
| 10/11/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
BMO bought my loan from Bank of the West and the roll over began in XX/XX/2023. I made my payment on the loan with BMO XX/XX/XXXX and XX/XX/XXXX my bank account was automatically withdrawn for another payment. I never signed up for automatic payments and I never used automatic payments with Bank of the West. XX/XX/XXXX I call BMO with the complaint and ask if they would refund my bank account, they said yes it would take 3 to 5 days. I called back on XX/XX/XXXX letting them know I still have not been reimbursed, I was told if I did not receive payment by XX/XX/XXXX to call back.
I have also been told that they are not sure if the automatic withdrawal has been canceled for XXXX.
|
| 06/21/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened my checking and savings account with BMO in XXXX XXXX. I opened with a special offer of {$300.00} bonus for checking account and {$200.00} for the savings. I have been inquiring about the bonuses for months, only to be told to wait. Now I did not get the bonus and this was escalated to the marketing department under Ticket XXXX and I was told the type of savings account I opened was ineligible. This is infuriating as I had no say in what type of account was needed, I was not given a confirmation of the bonus or any other documentation at account opening about the requirements. I want this escalated and I feel that there is no reason I am not awarded the {$200.00} bonus.
|
| 05/13/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
In XXXX I purchased a home with two ( 2 ) mortgages from two institutions. The lesser loan was for XXXX with Harris Bank. I just received notice that my loan is maturing on XX/XX/XXXX. I assumed this meant that I was paying off the loan. I have now found out that when the loan matures I will owe the remaining balance ( which I assumed was a minimal amount ). To my shock I found out that I still owe $ XXXX on a $ XXXX loan that I have been making payments on the last 15 years totaling over XXXX. Fifteen years of payments that only reduced the principal by $ XXXX. The interest rate was 9.7 % but still I did not understand that this $ XXXX loan would ultimately cost me over XXXX.
|
| 12/15/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
Older American |
|
I bought a vase for {$4.00} on XXXX XXXX, with {$5.00} for shipping. I received a notification that the seller by the alleged name XXXX XXXX, canceled the order. I did not receive a refund, so I contacted XXXX on messenger. She did not make sense, so I filed a claim with XXXX, which was immediately closed. XXXX said I had not been charged. According to my BMO Harris online app, there was a pending charge on XX/XX/XXXX for {$9.00}. The next day the record of my transaction disappeared, with no refund. I called customer service and they said they had no record of the transaction from either XXXX or XXXX. Someone had managed to wipe my bank data. Iwould like. a refund of {$9.00}.
|
| 12/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Bmo bank has the mortgage on the home they held the insurance money for the home repairs forced us into foreclosure broke into our home while under construction and removed tools and personal items and changed lock during mandatory foreclosure mandate and after they were informed the previous time they tried and we called the police. The bank agreed to remove the foreclosure fees and legal fees and allow use to reinstate. The bank has not removed the fees and continued to charge use the fees and the foreclosure court date is approaching. We have the funds to pay the missed payments. We have tried to resolve this issue for a year but the bank has still not fixed the situation.
|
| 12/24/2015 |
Yes |
|
|
|
Web |
|
|
I have contacted BMO Harris in regards to XXXX credit cards that I did not receive and was instructed to file a police report for fraudulent charges made on the XXXX credit cards. On XXXX XXXX, 2015 I was told to file a police report and that once the police report was received a resolution would take 7-10 business days and replacement cards would be mailed. On XXXX XXXX, 2015 I submitted the requested documentation and have contacted BMO Harris several times to follow up on the situation but when I call I receive different information as to what is going on. The very long hold times and lack of current updates have become very frustrating. I just want this issue resolved.
|
| 03/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I recently was monitoring my credit and I saw from the 3 credit Bureus, that there has been faulty inquires on my credit report.
For example On XXXX I saw ( Inquiry date XXXX for XXXX XXXX XXXX ) another example I saw was ( Inquiry date XXXX for XXXX XXXX XXXX ), also another ( Inquiry date XXXX from XXXX XXXX XXXX ).
These 3 were reporting on my XXXX.
On my XXXX I see For example ( Inquiry date XXXX for XXXX XXXX XXXX ) The inquires for XXXX for example on my report I have ( Inquiry Date XXXX for XXXX ), another ( Inquiry Date XXXX for XXXX XXXX ), also ( Inquiry date XXXX for XXXX XXXX ), Last that I see on my credit report is ( Inquiry date XXXX for BMO HARRIS ).
|
| 05/16/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Please refer CFPB Case # XXXX. I was told that once i met the conditions around XXXX XXXX 2022 cash back bonus of {$350.00} will be applied. After 12 days-it 's not been done. When i sent secure email via account on XXXX XXXX 2022, i was asked to call a toll free #. Called on that # on XXXX XXXX 2022, that # stated ... to get call back within 15-30 minutes, provide your number-which i did but no response.
whom i am XXXX Finally somebody called ( XXXX ) at around XXXX pm XXXX time onwards and after long hold/wait - I was told that they will call me tomorrow with an update. I feel like I need to keep on asking them to provide my legitimate cash back bonus until I get that.
|
| 10/29/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
Older American |
|
At the end of XXXX, XXXX, my credit card account with Bank of the West was hacked.
The hackers requested a credit card in my name on XX/XX/XXXX and was charged {$25.00}.
I happen to catch this request and notified the bank to put a hold on my credit card and requested a credit for the {$25.00} charge. The bank said that they would credit my account but never did after I had called them several times.
In XXXX, XXXX, Bank of the West was taken over by BMO. I asked BMO to credit my account in XXXX, XXXX and was told that they would credit my account but they did not. I called again on XX/XX/XXXX and requested a credit. As of XX/XX/XXXX, I have not received any credit.
|
| 03/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I received a payroll check for XXXX from my company ( their bank is XXXX ) which I deposited to my BMO personal account on XX/XX/23. XXXX paid them and everything was fine. But on XX/XX/23 BMO charged back my account saying that they did not find the account to cash the check. I called chase and have them conference call with BMO. XXXX told BMO that money has been given to them. BMO is saying that they do not find an account... .I spoke to XXXX in BMO on XX/XX/23 for more than an hour and she said she will call me back with more investigation. But I have not heard from her and I have been calling her every business day. I need help. BMO needs to give me my money asap.
|
| 10/24/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Someone open a checking and savings account at BMO Harris Bank in my name. They mailed me a debit card obviosuly without authorization. Its basically impossible to reach anyone on the phone without getting disconncected or sitting on hold for hours. Its truly unbelievable. They are not responding to emails. There is no BMO branch closer than 3 hours away and they keep recommending I go to the closest branch. Not possible. I made a police report which I emailed to XXXX. No response. No one will give me a direct phone number. And now my identify is stolen and THEY opened the account in my name with no verification??? Its the worst customer service I have EVER received.
|
| 02/18/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Early 2020 I went to a BMO location to meet with a banker. The banker saw I had a 14 year old account that they inherited when they bought out XXXX & XXXX XXXX. He suggested that he change the account type to have better benefits, etc. My previous account was free. However this new account type started charging me $ XXXX/month. This being an old account that I don't use much, I didn't notice for about a year. I notified them that this was not right and they agreed it should not have happened. Not only that, but they said they stopped any charges to any accounts starting XX/XX/2020 due to COVID. They would only refund 3 months worth though even after admitting fault.
|
| 09/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
The bank employee made huge promises for favourable terms of mortgage and asked to pay a refundable deposit for {$500.00}. However the mortgage was ultimately declined and bank deducted {$130.00} odd for the refund on account of appraisal cancellation charges. I fail to understand that why would someone order mortgage appraisal for a declined mortgage? this does not makes sense. Moreover bank officials never disclosed these charges unless the refund was received. I asked 2 questions through multiple forums and bank never answered it. 1 ) Why would you order appraisal for decline mortgage 2 ) How can charges be levied without disclosure and approval from the client
|
| 01/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
BMO Harris Bank XXXX XXXX XXXX XXXX XXXX IL XXXX is international doing bank fraud. Intentionally causing late payments. Intentionally causing late fees. Intentionally causing XXXX scores to be lower. I have XXXX car payments, XXXX different loan providers, mail post office checks to both on same day. XXXX in CA other in IL. CA check clears within 5 days. IL check to BMO Harris just took 32 days to clear. Third time its happened, they harass and call you demanding payment. You authorize electronic payment with late fees. Low and behold within 2 days they magical find the check and apply it to next month. So they can collect interest on essential a double payment.
|
| 11/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
BACK IN XX/XX/XXXX THEY CLOSED THE ACCOUNT. PRIOR TO THAT I WENT INTO THE BRANCH AND WAS TOLS THEY HAD TO REACH OUT TO THEIR BACK LOG TEAM AND HAVE THE ACCOUNT PUT ON THE SERVER. THE REP HAS FAILED TO CALL ME BACK AND EVERYTIME U CALL THEM HE IS WITH A CUSTOMER AND WILL CALL ME BACK. I REQUESTED MY ACCOUNT STATEMENTS WITH THE LAST TIME BEING ON XX/XX/XXXX. I WAS TOLD VIA PHONE REP THAT THEY HAD NO NOTES ON THE ACCOUNT AND COULD NOT FIND AN ACCOUNT. TO GO BACK TO THE BRANCH AND THOSE ARE THE ONLY ONES WHO CAN HELP ME. XXXX ARE DENYING ME ACCESS TO MY RECORDS AFTER THE RANDIMLY CLOSEE MY ACCOUNT WITH NO EXPLANATION OR COMMUNICATION. NOW XXXX ACCOUNT NEVER EXISTED.
|
| 09/05/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
|
|
It's been going on for 2 years. That I have not had a security credit card in my possession. I have continuously tried to fix all the bank issues bank of the west has given me, including all the overdraft fees, on my regular bank or checking account as well. With this being an issue, I have not been able to build my credit correctly. It's hindered a lot.
I've called the bank, went to the bank. Ordered card, did everything that I could possibly do. And nothing happens and I have yet to receive a secured card so I basically have a secured credit card for nothing. Not including the lack of Service provided to resolve my issues correctly has not been for for field.
|
| 03/15/2016 |
Yes |
|
|
|
Web |
Older American, Servicemember |
|
We are XXXX citizens, and my husband made a payment and by mistake he over paid Them by over XXXX dollars. We have contacted them on several occasions asking them to please cut us a check we need that money returned and have been told that they ca n't they have so follow guidelines and we have to wait a month or more to get it back. Mean while they are collecting interest on our money and we are short money on our end. That seems very unfair. If we would n't pay them we would have to pay them a penalty. Is that rule reversed if that pertains to them withholding our money? Please look into this for us we really need that money back Thank your, XXXX and XXXX XXXX
|
| 04/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
Bank of the West did not honor my dispute under 15 U.S. Code 1666 - Correction of billing error. Creditor took immediate action to close my account during this billing error and section ( b ) states " not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph '' Noncompliance of this U.S. code in section ( e ) forfeits creditors rights to collect from obligor. I am demanding Bank Of West to remove this account from the credit agencies due to this violation of U.S. Code 1666.
|
| 08/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I am trying to sell a property ( vacant lot ) that had the mortgage paid off to BMO/Harris seven years ago who acquired the loan when XXXX XXXX failed in 2010. The loan was paid in full seven years ago, and a satisfaction of mortgage was filed, however there is a modification of mortgage still on the title which was missed by the lender and I have been unable to sell the property.
I've sent numerous requests to BMO regarding the title issue and also Consumer Mortgage Release Requests on their form along with full title search details, and the company will not respond. I have been trying to clear this up since XXXX and it is causing great financial hardship.
|
| 12/13/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
bank cd maturing on XX/XX/2023 called Bmo bank N.A. XXXX XXXX on XX/XX/2023 XXXX XXXX at XXXX XXXX said. aid they can't send my funds. ACH. and will have to mail a check. in 5- 7 business days I waited still no check I called again on XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XXXX said check still coming to wait 5 more business days still no check. I called again on XX/XX/2023. and spoke to supervisor XXXX XXXX about. my Check said it's in Limbo due person closing. The account made a mistake. not closing it properly if he could overnight. my check per XXXX he said.no just regular mail I ask why not he said bank does not have Capability. That I have to wait longer
|
| 04/12/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I submitted a mortgage application with a mortgage banker, XXXX XXXX, who works at the XXXX XXXX Branch of BMO Harris Bank ( XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ). He mishandled the application so badly that we would have been unable to close on our home at the already agreed upon date. As a result, we withdrew the application and secured a mortgage through another bank. The current issue I have is that XXXX XXXX and BMO Harris Bank ( including his supervisor, XXXX XXXX, and the branch manager, XXXX XXXX ) refuse to return my {$490.00} application deposit. As unprofessionally as my application was handled, at this point, I simply want my money back.
|
| 06/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
credit report pulled without my authority online and without my knowledge. I would like proof of my signature that i gave permission to pull my credit report or have it removed asap.
I XXXX XXXX XXXX do have a hard inquiry on my credit from XXXX of bmo harris bank thait is fraud that I did NOT authorize by any manner. I have talked to the bank on 3 occasions and they have not removed it. I do not and have never had acct with this company by any means. this is a fraud attempt that they refuse to contact the credit reporting agency to have it removed. XXXX XXXX will not remove without bmo harris bank stating to remove the inquiry dated XX/XX/2019.
|
| 06/06/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have called BMO corporate office several times and spoke with XXXX. I have advise her that my payments were being mis applied and bmo was reporting negatively on my credit report as a result of these mis applied payments. XXXX advise she woukd speak with the appropriate department and have them reach out to me once my payments were applied correctly. I never received a call and my payment are continously being applied incorrectly and my credit report is still showing negatively with bmo harris bank. Ive tried to call the corporate office and XXXX mutiple times and i have left mutiple messages and no one answered and no one has returned my call.
|
| 09/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
There was a data breach and the company that I use for direct deposit through my work had their files stolen and my checking account number was released to the world wide web. I called in the regular number- the woman that answered had an accent - seemingly they've outsourced to the XXXX as well. She literally told me that there was nobody that could talk about that and to go in to the bank.
Obviously this is very time sensitive. I was extremely surprised at the way this was handled. I currently don't have a clear answer on how to resolve this and banks are closed this weekend due to the transition over to BMO, so I can't actually go to a bank.
|
| 10/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
I received a new credit card from BMO Haris Bank. The bank provided a phone number ( XXXX ) to activate the card on it. I called the number from XXXX on Friday the XX/XX/XXXX at XXXX XXXX and a man answered the calls after waiting for about 30 minutes. However, the person hung up my call without solving the problem and was very rude. They issued a credit card and does not want to activate the card. It affected my credit score. This Bank has a history of discriminating against people. I have a checking account with this bank. If there were a problem they could just deny my checking and credit account for the first time without affecting my score.
|
| 12/18/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Fees charged
|
|
Web |
Older American |
|
Company response has been non-responsive. Pretending no errors were made and covering up their culpability. Banks must not be allowed to quit all their service obligations and subsequently double-charge annual service fees as their tithing rights over hapless consumers. Banks and lenders must be required to provide accurate monthly statements, reverse obvious errors and dis-allowed from padding loan principal amounts from mysterious fund sources ( not ours ) to game up the daily interest accrual. They absolutely can not be allowed to charge two annual fees the same year. That violates the written loan agreement and appears to be a criminal act.
|
| 03/31/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
In XXXX XXXX I was a victim of Identity theft. I saw on my credit report that the perpetrator opened a XXXX XXXX account under my SSC information on XX/XX/XXXX. I filed a FTC Identity theft report and sent it along with a letter to XXXX XXXX requesting they close the fraudulent account immediately. I also followed up via 2 phone calls directly to XXXX XXXX. My complaint was taken and I was told it would be sent to their fraud investigation dept. and I would be contacted. I was never contacted and I know the account is still open. In fact I received a letter on XX/XX/XXXX telling me to activate my new Debit Card. It is a fraudulent debit card!!!
|
| 03/22/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
BMO Harris repossessed 6 vehicles. One of them was not even financed by them. I owe month of XX/XX/XXXX and I told them we would pay them in full to be current. They will not hear nothing of it. I estimate I have paid out XXXX if the XXXX XXXX dollar price tag and just like that I loose all I have worked for. This is over a two and a half year period. Dealing with these guys is a rip off. I strongly urge consumers to stay away from BMO Harris for financing needs. I told them I was not going to lose my investment and i would send funds to get us current and then they said they were adding 7000 plus for fees related to repossession. Buyer beware!
|
| 12/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I called the BMO Fraud Department on XX/XX/XXXXto file a dispute on several transactions from merchant XXXX for {$510.00}. Then the Merchant XXXX XXXX XXXX XXXX NY, for a total of {$1100.00} ; their protocol is the Claim is open for 45 Days. If the Merchant Responds, they then would call me to discuss further options ; it has been more than XXXX Calander Days and XXXX Business Days, and I have never received a call from BMO nor a Voicemail, so I am under the impression the Merchant did not respond, so as per BMO protocol after 45 Days with no response the Claim would be closed in my favor. I have yet to receive a credit for these transactions.
|
| 08/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I opened a BMO harris bank account ( BMO Harris Smart Advantage account ) with a promotion that within 90 days of account opening if I have got {$4000.00} in qualifying direct deposit ( payroll ) - I will be getting {$200.00}.
I got more than {$4000.00} direct deposit within 90 days.
But when i requested my cash back - BMO harris is stating that because I am in TX - I am not eligible.
Well that's not accurate. I know another person in my zip code with details Account number ending in XXXX Routing # XXXX who got {$200.00} cash back bonus for the same promotion Last time when i contacted BMO harris - I was given a totally different response.
|
| 11/04/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I opened a BMO cash back credit card in XXXX. Per the promotion, I'd get {$200.00} bonus after spending {$2000.00} within the first 90 days after the account is opened. {$2000.00} was spent in late XXXX and got posted in early XXXX. However, I still haven't received any opening bonus yet. I stopped by the local branch in XXXX and the banker told me to come back in XXXX if the bonus is not posted till then. I came back to the branch in XXXX and was told that the bonus would be posted in the XXXX statement. However, I still haven't got it yet till NOW.
I'm so frustrated with BMO bank, and I would greatly appreciate it if CFPB can help step in.
|
| 11/29/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
I had an account for around {$1000.00} at XXXX at the XXXX, Wisconsin branch before that bank was purchased by BMO Harris bank. I was unaware that the bank was being purchased, and I was living abroad for several years before learning about the purchase. I then contacted BMO Harris bank to retrieve my money, and they have told me that they have no records of this account. They instructed me to contact the office of unclaimed property in the state of Wisconsin, which I did. They had no records of this account either. I have a banking statement of the account in question from XX/XX/XXXX, but BMO Harris refuses to honor this issue. Please advise.
|
| 09/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This letter is a formal complaint against BMO HARRIS BANK NA. They have repeatedly violated the Fair Debt Collection Practices Act and have become extremely harassing. I have requested several times for verification. This company will not furnish a signed authorization [ or proof of the procedures ], they just furnish a statement, which proves nothing. I asked to validate the listed account below on my credit file and again all I receive is statements. This is already creating additional emotional & physical distress on me. I need this account removed from my credit file. The account is as follows BMO HARRIS BANK NA XXXX Balance : {$27000.00}
|
| 03/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
This is actually a recurrence/continuation of Complaint IDs XXXX and XXXX. For some reason, BMO Harris has the number for my work landline ( which is a corporate phone number not in any way associated with a particular individual ). BMO Harris has repeated called this corporate land line number trying to collect debt erroneously associated with it. After the first 2 CFPB complaints, it appears BMO Harris sold the debt to other collectors, who now associate the debt with this phone number.
I have repeatedly attempted to contact the phone number in the complaint response for Complaint ID XXXX ( XXXX, XXXX XXXX XXXX with no answer or response.
|
| 02/27/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
I have XXXX separate investment accounts ( XXXX personal and XXXX IRA ) with BMO Harris Bank. 45 days ago I sent instructions to transfer all money and equities to XXXX XXXX. In the last few days, XXXX XXXX has made numerous telephone requests for any information and has only received run around remarks such as " I do n't know '' or " I have no idea who you can call '' or " I do n't have that information ''. Obfuscation, foot dragging and total fiducial irresponsibility by any measure -- -no professionalism and possibly theft such as loss of opportunity profit. BMO deserves to be penalized for lack of acceptable minimal procedures and ethics.
|
| 04/06/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
BMO Harris has been giving me the run around for months now. Every time I've contacted them I have been given the run around. They told me they could not close the account without first MAILING me a form and that if i had any questions I would have to FAX them. Which sounds absurd in 2023.
I've contacted their support about 3 times now and have been given multiple different reassurances that they will help me close my account and retrieve my funds but nothing has come of it.
Every time I try to access my online account it seems to only work when I am on call with customer service. As soon as I hangup with them the account becomes locked.
|
| 10/21/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I pre-pay my loan quarterly, and they take my payments as principal reduction and then try to charge me late fees. This is called predatory lending practices. This is why we invented the CPFB when I worked for XXXX XXXX at the FDIC. I have notified them in writing and verbally several times and they still take my exact mortgage payment - and then say Im late. Every time they apologized but they keep doing it. I make my payments about a week apart in the exact amount of the loan payment and yet still - its applied to principle reduction and then send me late notices. This is predatory lending practices, specifically loan servicing predation.
|
| 06/15/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
BM O Harris Bank 's auto servicing online service is designed to make payments and payment arrangements relatively difficult. If you set up an online access account, you ca n't actually make a payment through your account. The user has to go to a generic site and enter payment and account information every time. In addition, setting up an autopay arrangement is a paper intensive process that provides little feedback if the autopay is set up and when it kicks in. At the end of the day, the payment system seems to be setup so that people miss payments and become sloppy paye rs ( getting charged multiple late fees over a loans life cycle ).
|
| 12/29/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
|
|
I have a complaint pending with the CFPB and the practices of BMO Harris bank regarding a home equity loan that I have with the bank. Part of the agreement was that they were to pay off credit cards and private student loans as of XXXX XXXX, 2015. To date, nothing has been paid by BMO Harris. When I ask for proof of payments, I receive no response but I am told I am responsible for the {$34000.00} that they supposedly paid off. When I attempt to contact customer service I am told that I have to speak to the branch, that they are unable to assist. I do not want to lose my home because BMO claims to have made payments that have not been made.
|
| 05/29/2015 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
|
|
I have been a member of Diner Club for XXXX years. During that time I accumulated XXXX points. I cancelled the card on XXXX XXXX 2015. I tried to reclaim my points and was told by Diners that I had lost the points after XXXX days. My claim to the points was made XXXX days after closing. My claim is that this is fraudulent practice by Diners Club. Those points were earned based on card usage and have a redemption value of {$2600.00}, Diners have no right to cancel those points which were earned by me. I have written to Diners Executive Complaints and have had no response. Diners did not inform me in writing that I would loose my own points.
|
| 04/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Received a notice dated XXXX XX/XX/XXXX saying the they were going to close my account. I called the number listed on XXXX XXXX and left a voicemail to an account that said I'd receive a call back by the end of the next business day. Received a call on XXXX XXXX from XXXX saying they had questions about transactions and referenced telling me something from XXXX of XXXX. I don't know what they were referencing and wanted to know what they had questions about. Was accused of being combative for asking and would like the conversation reviewed by you. They also requested Bank of the West to close the account I have with them - with no reason.
|
| 12/31/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Called up to make an important bank transfer. For context I can only contact banking over the telephone. First time I had to hang up because it was just impossible to hear over the phone. Second time I was forced to hang up because he says he kept acting like they couldnt hear me and eventually the phone went silent. And the third time I called up they said they were closed for the day. I can not balance my books without internal transfers. Internal transfer it can only be conducted over the phone. I cant even tell if a paycheck has cleared the bank or not. And I will not download their app just so they can avoid having to pay a paycheck
|
| 11/29/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Unable to open an account
|
|
Web |
Servicemember |
|
I attempted to open an online account with BMO XXXX and the account was denied. The email sent with the declining of my application stated no reason and just stated the account was declined. I spent over an hour on hold this morning calling customer support, and they still could not tell me why the account was declined. We verified all the information and there were no typos or mistakes. This is very discouraging as I am a XXXX XXXX XXXX employee, I also have stellar credit and no criminal history, quite frankly no reason why I should not be approved for any account let alone a CD. They basically told me there is nothing to be done.
|
| 02/13/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
A {$25000.00} check ( check number XXXX ) that I gave to my sister was cashed by her on or around XX/XX/2018 with funds deducted from my checking account. I logged onto my online banking with BMO Harris this morning and saw that an additional {$25000.00} was deducted from my account, and the same check from XX/XX/2018 appeared in the image. I called BMO Harris and created a case for it to be investigated, but I'm extremely unhappy that there was no immediate resolution given the fact that BMO Harris allowed the exact same check to be used twice. I would think that most banks have technology or software to prevent this from happening.
|
| 09/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I have credit card account with BMO Harris bank.
My payment due was XX/XX/XXXX, this year and I paid in time.
But when I checked my account online at XX/XX/XXXX, I did not see any payments but saw late payment fee of {$25.00} posted at XX/XX/XXXX. It was on the middle of the day, day was not ended but company tried to steal my money in advance. Beside that they made report to credit company ant it decreased my credit score.
Please set an investigation about so called practice of this company and take the license from them away. And I want to be compensated for affected score. Money was paid in time I have proof and screenshots.
|
| 02/24/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
XXXX mortgage with Harris, they are asking for the full balance and will not take payment. Will soon be adding late fees etc. I asked for a modification and they said I would need to see about applying for new loan at 8 % fixed. I will not gaulify for that it has been over 30 days with no answer. I do not want a new higher payment will sell in two years and pay them off. I feel they gave these loans before the mkt tanked and they should help customers who did not walk away from house and modify the XXXX until we can pay off or sell. I need a modification before they eat up what little equity I do have while they add late fees etc.
|
| 10/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
Older American |
|
This is in addition to my complaint XXXX. We have made XXXX & XXXX payment. The payment amount is {$2300.00} We make a payment of {$2500.00} with the balance to be applied to the principal. For our XXXX statement, we got 3 statements on the same day. One showing a payment due on XX/XX/XXXX of {$1900.00}, another showing a payment due of {$2100.00} and a third one showing a payment due of {$6900.00}. My husband went to the bank with all XXXX statements and the bank told us our loan was current. Since those XXXX statements from last week, we have gotten 3 harassing letters from BMO telling us to seek help for our mortgage payment.
|
| 05/06/2015 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
|
|
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.
|
| 02/20/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Since the loan originated, automatic checks have been being sent by my personal bank to the mort gage. Successful payments have been being made since origination for 63 months. Since the last 4 months, checks have but being cashed, but are still being sent. Late fees are being collected, sent additional checks, to which are also not being cashed. Tried to call and resolve, and make payment s by phone, was told by associate they needed to tell me that I'm past due, and they wanted to figur e out how, and was proceeded to be told it was my fault and the banks checks are being lost in the mail. Only to not be able to make payments
|
| 12/19/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American |
|
On XX/XX/2022, a man name XXXX XXXX promised to refund me {$190.00} from a XXXX sports subscription I had taken out in XXXX of 2022. I never gave him my username nor my password. But when he wired my money to my BMO account, he claimed he sent me {$9800.00}. On XX/XX/2022, he went into my Saving account and Transferred {$11000.00} into his XXXX account. I went into BMO Harris Bank and complained that I never made nor Authorized that transfer. XXXX XXXX the bank manager said there was nothing he nor the bank could do. I filled a complaint against the BMOBank, # XXXX XXXX XXXX. XXXX Police Report # XXXX, O.C.C complaint # XXXX.
|
| 12/16/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
I received a statement in the mail from BMO Harris in XXXX. I called immediately. Spoke to person who said account would be closed and details forwarded to their fraud department. I also filed a report with XXXX. I assumed everything was taken care of until I just received another statement and discovered there is also a checking account. I did not authorize either account. I have spent over 3 hours on hold and being transferred around trying to resolve this issue with the bank. I believe that the account may have been opened by an employee of BMO Harris fraudulently to gain incentives.
Thank you for looking into this problem
|
| 06/23/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
Diner 's club sent me new cards in XXXX and I cut them up and enclosed them with the statement and the new annual fee with a written note to close the account since I had not used the card in over a year. The annual fee was {$130.00} they did not close the account and contiue to charge late fees. Diners Club has continue to call and XXXX me and when I try and return their call they put me on hold - wait XXXX mins then disconnect me.
This should be a simple transaction- they refuse!! Closing an account to avoid annual fees should be simple and easy but they make it more difficult than a normal person should be subjected too.
|
| 08/06/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XX/XX/2020 I made a deposit for {$46000.00} via atm teller at BMO harris bank. I was advised and given a 7 day hold notice because of the large amount when on average banks take 3 days to verify checked with secured funds. Today is day 7 and I still don't have my funds. On XX/XX/XXXX I spoke with the banks customer service and was told my funds would be available XX/XX/XXXX. I was also told that my check was held at the discretion of the manager not the banks policy and also the notice says written in large deposit. When did it become suspicious for a XXXX to deposit a check. My dad owned a business and had life insurance.
|
| 11/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I alerted the Bank of fraudulent activity on my accounts in XX/XX/2023. I closed 3 accounts ( with your help ) but the last remaining account is still being held by the bank, and I am locked out of the account. There has been no activity on the account since XX/XX/2023, except for one XXXX deposit made by a customer of mine.
My question to you is : How long is the bank allowed to hold my account in stasis? Is there a time limit, or can they keep my funds indefinitely?
The bank has been less than cooperative in the past, that is why I am trying to determine if I have any rights at this point.
Thank you for your assistance.
|
| 12/12/2020 |
No |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
Bmo closed my account Nd i had XXXX available in my account from a mobile deposit. Ive already complained to the fraud department but XXXX XXXX, XXXX XXXX XXXX are discriminating against me and came to a conclusion on their own. The checks were not returned they cleared and yet i dont have my XXXX that i workef hard for. Because of the incompetence they showed and lack of concern for its customers im facing eviction now and my car is already repossessed. This happened XX/XX/XXXX. And i recieved a letter stating i was to be given a cashiers check fkr my funds but again the bullies of bmo threatened me and my XXXX girlfriend.
|
| 10/05/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
I closed my checking and savings account with BMO ( formerly Bank of the West ) in XX/XX/2023. I closed the accounts in good standing and was suprised that I recently received a notification of fees of {$45.00} for my checking and {$250.00} for my savings account. I have tried to call the customer service number but do not get any clear answers what these fees are for. I have limited mobility so I have yet to go to a branch but since becoming BMO most of the local branches are several miles away. At the time of closing the accounts I was told everything was squared up by the bank teller. This is confusing and frustrating.
|
| 10/24/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I opened a checking account with BMO Harris Bank, which came with a {$200.00} bonus offer to be paid within approximately 120 days of account opening. It has been over 120 days since I opened my account, and I have fulfilled all the terms of the offer, but have not yet received my bonus. I contacted customer service, and they said that they were unable to see the status of the bonus, but that their marketing team was running 2-3 weeks behind schedule. However, it has already been more than 3 weeks since my account was open for 120 days, so even according to their delayed time frame, I should have received my bonus by now.
|
| 01/20/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
I HAVE BEEN TRYING TO SPEAK WITH SOMEONE OVER A YEAR NOW BUT I AM NOT GETTING NO WHERE. I CALL THEM AND THEY SAID THAT THEY WILL GET BACK WITH ME BUT IT'S BEEN OVER A YEAR AND NOTHING YET. I HAD A ACCIDENT IN THE CAR THAT I AM REFERRING TO. THE CAR WAS TOTALED SO MY INSURANCE PAID OFF THE BALANCE AND I WAS SUPPOSE TO GET A REFUND BACK BUT I NEVER DID. INSTEAD THEY PUT THE AMOUNT THAT THEY WHERE GOING TO GIVE ME BACK AND PUT THAT AMOUNT ON MY CREDIT REPORT 'S AND NOW I AM HAVING ISSUES GETTING ANOTHER CAR.
THIS IS FOR ONE MISLEADING, DECEPTIVE, FAILURE TO DELIVER GOODS AND SERVICE AND MISUSE OF MY PERSONAL INFORMATION.
|
| 09/21/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
XX/XX/2019 deposit for XXXX $ XX/XX/2019 debit for XXXX $ XX/XX/2019 Debit for {$1600.00} returned XX/XX/2019 {$36.00} NSF fee accessed Institution refuses to credit nsf fee / merchant is also charging {$25.00} retuned item. In this case the bank states if I were to have taken the deposit to institution vs. submitting to the institution mobile the item would have been honored. Due to the posting order of items and the positive balance reflected on my account I had no way to predict or protect myself from the fees. This institution is notorious for inconsistency and ill compassion. Previous fee credits were bank errors.
|
| 06/30/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Older American |
|
Tried to change account involving XXXX XXXX. As of today XX/XX/2018 no monies that are held have been transferred into my business, since mid, XX/XX/2018. Having made numerous phone call filling out duplicate XXXX forms. Two days ago I spoke with branch mgr to no avail. He was given same runaround. XXXX, XXXX & XXXX are all involved. My monies are being held in " limbo '' as one person stated. Evert time I call I speak to a new person. It appears they haven't a clue and to think of all the money that goes through these people it amazing as to the obvious incompetence. Amount they are holdind is approximately {$5500.00}
|
| 09/29/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I was supposed to receive a {$300.00} bonus for opening a checking account with BMO Harris after completing the following requirements within 90 days of opening the account : - 2 direct deposits of at least {$500.00} each - 10 debit card transactions.
I met these requirements. I was told that I would receive the bonus 120 days after opening the account, but still have not. I called the bank and multiple long holds was told that the person I spoke with couldn't help me and I had to call back during different hours. I don't have time to jump through all these hoops just for BMO Harris to honor the terms they promised.
|
| 05/20/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I applied a checking account with BMO Harris on XXXX with a promotion code. The promotion said that I can get {$200.00} bonus if my account receives direct deposit over {$300.00}. I opened the account at a branch and also showed the promotion letter ( code included ) to the banker. Every month there are XXXX direct deposits going to that checking account from my employer. But until today XXXX/XXXX/2016, I have n't received the bonus. I called BMO customer. The representative asked for the promotion code when I opened the account. Well I do n't have it since I threw it a few months ago. I do n't know what to do now..
|
| 02/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
We completed a refinance that closed on XXXX XXXX, 2015. As part of that closing, {$3300.00} was to be applied to principal reduction ( i.e. the refinance amount was larger than what was needed to pay off the old loan and closing costs ).
Several months have gone by, and I have asked my bank repeatedly for an explanation on where that principal reduction appeared on my statements, and they have not been able to communicate this.
I see that on XXXX, a curtailment amount of {$400.00} was applied, but {$2900.00} remains unaccounted for.
The bank 's mortgage transaction statements are totally confusing and not clear.
|
| 09/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened a checkings account with BMO Harris online XXXX, XXXX XXXX and deposited a cashiers check of {$60000.00} on XXXX, XXXX XXXX. Also deposited a cashiers check of XXXX on XXXX, XXXX XXXX. An investigation was launched XXXX, XXXX XXXX. I was told by the lead investigator XXXX it will take 7-14 business days. Its been 16 business days since investigation launched. Both my cashiers have been cleared and available in the account. First {$60000.00} was available XX/XX/2023. The other {$60000.00} was available XX/XX/2023. All funds have been verified and received and still no update on having access to my account.
|
| 12/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I filed a complaint with you guys regarding my account being frozen for over a month now. Yall closed the complaint stating oh were going to let you get your money go to the bank to get it. Yall wrote a letter and everything. I go up to the bank for them to tell me oh the fraud department said we cant do it like that because of certain transactions. Now IM XXXX. I WANT TO FILE A POLICE REPORT AT THIS POINT YALL ARE THE WORST BANK KNOWN IN THE ENTIRE WORLD. Every minute Im getting conflicting information. You can not steal people money yall make me sick to my stomach then to do this around the holidays ridiculous.
|
| 12/04/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
A charge of {$63.00} posted to the credit card on XX/XX/23. It was for a purchase on XXXX XXXX for a car part. The order was cancelled before it was delivered and it was stated on XXXX 's site that a full refund was to be issued, I contacted both XXXX and the 3rd-party vendor several times over a week but no refund was issued. So I filed a billing dispute letter on XX/XX/23 with BMO Bank regarding the problem. BMO confirmed by telephone on XX/XX/23 that they had the dispute letter. However BMO has done nothing since then required by Reg Z such as acknowledging the dispute in writing or issuing a temporary credit.
|
| 09/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I opened BMO relationship checking account on XX/XX/2023 and got confirmation letter the same day. But as of XX/XX/2023, I still can not access online bank : BMO online bank website says it can not find my records. Even though I deposited {$25.00} as inital depost and {$2500.00} direct deposit from my employer, and I have received phiscal checks and debit card.
I have called BMO customer service more than 3 times, none of them are able to resolve my issues, and saying they can not find my records neither.
Now, since BMO customer service can not find my records, they are unable to help me or close my accounts.
|
| 08/31/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened my BMO account on XX/XX/XXXX with a promotion for {$200.00} after making two direct deposits greater than {$300.00} within 90 days. This was completed by XX/XX/XXXX, but I have not seen the {$200.00} applied to my account.
Initially contact BMO Harris on XX/XX/XXXX and was told the account would be evaluated after 120 days of being opened, and then the bonus applied within 10 business days.
I then again contacted BMO Harris XX/XX/XXXX, and was told the bonus would be applied within 10 business days. It is now 11 business days without any bonus being applied or further communication from BMO Harris.
|
| 07/06/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I applied for a heloc with BMO Harris on XX/XX/2023. Before I applied I specifically asked my loan officer about closing costs on two seperate occassions where he told me the closing costs would be paid by BMO Harris. On XX/XX/2023. 34 Days into the process they told me there would be over {$2200.00} in closing costs. I have spoken to management at BMO Harris twice requesting them to honor the original terms of no closing costs. I feel that I have been misled and my time wasted. What i request is that BMO Harris provide proper training and that they waive my closing costs like they originally said they would.
|
| 07/16/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I followed a promotion for BMO Harris Premier checking account on XXXX XXXX 2022. As per the promotion, if i get the direct deposit of {$7500.00} or more within the first 90 days, I will be getting {$500.00} cash back bonus. When I inquired about this bonus, BMO harris is denying me the bonus stating that my previous checking account was closed in the last 12 months. Why BMO Harris let me apply this promotion if BMO Harris was not serious to give me promotion? Moreover I already have BMO harris credit card and online acount, if i was not eligible for the promotion, BMO harris should have stated that already.
|
| 12/20/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American |
|
I wanted to transfer my money from BMO ALTO to a XXXX XXXX account, which has been established within my BMO ALTO account, which was opened in XXXX, XXXX.
I have spent hours on hold to speak with an agent authorized to unfreeze my account. I have not once talked to any agent that can assist me. After being on hold for around XXXX minutes, there is a message stating there is no one available to help, leave a message.
I have left over XXXX messages over XXXX days.
No call back.
I have over XXXX in this account and I need access to it. As of now, I can not even sign in to the account, as it is frozen.
|
| 08/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I applied for a loan and was scammed with a fake cashiers check. Because of this it caused my account to go into the negative. Tried talking to bank, they said usually when things like this happen we end our relationship and close the account. The account was not closed and continued to accrue fees from the bank. Then it was closed and charged off into collections. I deposited XXXX $ or so to open the account and then never used it otherwise one time other than the scam loan thing and they charged it off for over XXXX dollars. I planned on getting my opening deposit back, not paying in for no reason at all.
|
| 11/23/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
My Diners Club card had a positive balance of {$95.00}. During XXXX, XXXX, they removed the {$95.00} from the balance, claiming that a refund of the overbalance will be sent to my mailing address.
This never happaned. I have been calling customer service about it over and over again, but they had been promising without ever doing anything about it.
I ama Diners Club card holder since XXXX and this kind of dispute never ever occured, this is why I had waited so long, hoping that the issue can be resolved.
My current Diners Club card is XXXX, XXXX XXXX XXXX I have been in godd standing since XXXX.
|
| 12/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verificatio n. On XX/XX/2020, BMO HARRIS BK N A add a hard inquiry on my credit report. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 04/20/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Older American |
|
I applied for an installment loan to consolidate my personal debts. The banker changed my application by changing the requested amount from $ XXXX to $ XXXX and adding my husband as a co-borrower. I did not want to do that, but she stated it would be in my best interest and would save me money. WE were denied and now MY credit score has taken a hard hit. I qualified for the $ XXXX. My credit score was in the acceptable range and I have 100 % of on time payments for the last XXXX years in addition to owning my own home with no mortgage payment. I have also been with the company for over 20 years.
|
| 01/07/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
BMO Harris Bank keeps charging me excessive overdraft fees and not even covering my overdraft although I signed up for overdraft protection they have never covered any overdraft but continue to fee me excessive fees for a {$2.00} charge in the negative at XXXX XXXX XXXX they charged me {$36.00} I'm currently in a economic hardship and they refuse to reimburse me the excessive fees! Also they state they sending back my auto withdrawal from XXXX XXXX XXXX and charge me more and more although I opted into overdraft protection this bank is frivolous in that they excessively charge and fee u to much!
|
| 05/25/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I have XXXX home equity lines of credit with BMO Harris Bank. I am current with the primary ( XXXX ) line of credit.
I am behind payments on the second line of credit since XX/XX/XXXX. I am currently working with Loss Mitigation at BMO Harris and the Illinois Housing Development Authority. I would like to file a complaint of XXXX XXXX with BMO Harris.
I started my Loss Mitigation application on XX/XX/XXXX and my application with Illinois Homeownership Assistance Program on XX/XX/XXXX.
I have received a Notice of Entry of Default and Judgement of Foreclosure on XX/XX/XXXX. Case Number XXXX.
|
| 08/06/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I have been unable to access the portal to transfer money out of my account for 20+ days. I have emailed and called many times, and they just keep saying the fraud department is " looking into it ''. This is too long to have my money being held up. I have asked to speak with managers and supervisors, and nobody can do anything. They just transfer me around and blame it on other people within the company. They are threatening to charge me {$50.00} to close my account at this point when I don't even have access to my funds unless I close it. The only fraud that is going on is with BMO Harris Bank!
|
| 12/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I had {$170.00} dollars charged to me after cancelling my XXXX XXXX XXXX trial month. This has been an ongoing battle against XXXX XXXX, BMO, and me. Approximately XXXX months ago, I signed up for a one-month trial of XXXX XXXX XXXX XXXX for my work. I cancelled my " subscription '' a week before the one-month period. I am demanding my money be refunded back to me. Before Bank of the West turned to BMO, this would have been investigated and I would have been justified in my favor. However, since BMO merged with Bank of the West, BMO cares only about the merchant than his or her own customers.
|
| 08/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
A few months ago a Sunday due date resulted in a late payment fee after I paid the bill at the branch when it reopened the following day, despite branch staff assuring me that no fee would be applied they reversed that charge, but this last billing cycle an outage on their app prevented me from making a payment on the due date, their terrible phone system would not allow me to speak with anyone, and after I was finally able to submit an electronic payment ( the day after the due date, via their terribly outdated website ) the system applied another fee which they adamantly refused to reverse.
|
| 06/22/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
On XXXX, I woke up and noted that my available account balance was showing as negative {$470.00}. However, when I calculated the pending charges against the current balance, the available balance should have been {XXXX}. I called an explained this to a customer service representative and was given the explanation of the bank made a posting error. This posting error has caused me to miss work ( because I could not put gas in my car ), and it is still unresolved. I proceeded to add {$470.00} from my XXXX account, but my available balance is still incorrect. My account is incorrect by {$560.00}.
|
| 10/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
For years, I've had this card and paid its annual fee ( $ XXXX ). This fee included access to a worldwide network of Diners Club airport lounges. The past few times I've tried to access the lounge, the lounge turns me away saying that the benefit is no longer valid.
If this benefit has been removed, BMO should refund me the annual fee ( {$95.00} ) plus the additional card fee. The only reason I have this card is for the airport lounge benefit. I've received no written communication of any policy/benefit change. This is the bank 's current advertisement for the card benefits : https : XXXX
|
| 03/21/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
When I opened my checking account I did so with a promotion for new account holders to be given a {$200.00} credit in their checking account when direct deposit was established and my debit MasterCard was used ten times. I met the qualifications but the bank is refusing to honor the promotion. I have called the 1800 number and spoke in person with two different local branch managers and messaged BMO Harris on XXXX. Everyone I have spoken with has agreed that I met the qualifications for the account but have stayed that if the promotional credit was not already applied then it would not be.
|
| 04/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I signed up to receive my statements online because the bank charges {$3.00} per statement to deliver them via USPS. But I can not access my latest statement ( which should have been generated on XX/XX/2023, and it is now XX/XX/2023 -- and my latest payment based on the XX/XX/XXXX statement is due TODAY!! ). I contacted the bank by telephone to find out why the statement is not available to me online, and all their representative could tell me was that it was " delayed. '' She could not tell me why or when I would receive my statement. Yet I am still expected to make my payments on time!
|
| 11/12/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened a checking and a savings account on XX/XX/2021 online with BMO Harris bank. I funded each account with {$25.00}, for a total of {$50.00}. I received a letter a couple of weeks later asking me to provide copies of ID card, Social Security Card and utility bill. My accounts were frozen and I lost access to them online. I called the customer service line and was asked to email the docs to XXXX, which I did on XX/XX/2021. A week later today, I have yet to hear back from the bank, and I still do not have access to my online accounts, nor do I have access to the funds in my accounts.
|
| 12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Received a response from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX around XX/XX/2022 from a complaint made with the CFPB. The complaint was about the inconsistencies of bill pay and reporting with the company throughout my time having this lease out.
He admitted to these mistakes and assured that no negative reporting would be made.
I checked my report and saw that it was a negative mark that has effected me by a XXXX point swing. I submitted the dispute with XXXX and the company disputed and didnt hold up their end of the bargain.
I have also reached out by phone to bmo Harris bank
|
| 11/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Servicemember |
|
Please see attached correspondence showing what happened in relationship to my accounts due to deposit issue and duplicate payment error by mortgage company.
I am schedule to travel next week for XXXX and now my funds are on hold. Please I have have consistent deposits for the last 2 yrs with Bmo.
Please release my funds so I can take care of what I need to get done my credit has already dropped XXXX points due to mortgage payment being late and need resolved asap.
It was out of my control with the deposit not being processed as I was told by my client company who was paying me.
|
| 12/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Older American, Servicemember |
|
BMO Harris Advertised that if you open a Business Account and maintain a balance of {$10000.00} dollars for 90 days they would pay you a promotional fee of {$500.00} dollars. The Bank is now trying to renege on that Ad by saying they will look at it in XX/XX/2023 which is well beyond the 90 days advertised. To me this is Misleading and Deceptive. Here is the Ad : Open any BMO business checking account, have at least 10 electronic transactions post to the account within 90 days of opening and receive : {$500.00} cash bonus When you maintain a balance of {$10000.00} or more for 90 days
|
| 02/01/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Order placed with XXXX XXXX XXXX on XX/XX/2020 for item advertised as in-stock. Debit card charged for {$400.00}. Item not received. Tried to contact vendor who is unreachable. Please see complaints against XXXX XXXX XXXX on XXXX.
Vendor claims on website that he is one man operation and Covid has slowed things down. So it took me awhile to realize that the item was not going to be delivered and that the vendor had scammed me.
Filed dispute with BMO Harris. Ref # : XXXX Bank denied claim since I authorized the charge. I only authorized the charge if the vendor provided the item.
|
| 03/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
My current address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX OK XXXX. I have updated my address with BMO Harris Bank around XX/XX/XXXX.
BMO Harris Bank XXXX XXXX. XXXX XXXX XXXX XXXX, Illinois XXXX Phone XXXX XXXX XXXX XXXX Initially they updated it to : XXXX XXXX XXXX XXXX XXXX OK XXXX Then they updated to XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX. This time the XXXX XXXX is missing.
I am not receiving my monthly statements since XX/XX/XXXX. I also did not receive my 1099 for XXXX.
I called so many times and spoke with XXXX, XXXX and XXXX but the problem is not fixed.
|
| 03/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
I have been with XXXX XXXX since 1998. I have always had good credit but chose to just use 1 card. I had some Fraud go on with my account to BMO removed my history and my credit score went way down. They have only bought XXXX XXXX in the last few years. I need BMO to correctly report the following which is the facts : I have had XXXX XXXX since 1998 I have credit limit of {$15000.00} I have never missed a payment.
Please reflect this correct information to the 3 credit agencies ASAP.
XXXX XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX, New York XXXX
|
| 02/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
In XX/XX/XXXX, I opened a BMO Harris checking and savings account. I received the bonus as advertised on the savings account, but did not receive the bonus on my checking account. The bonus was in the amount of {$300.00} and was to be paid within 120 days. It is now XX/XX/XXXX, and the bonus was not paid. XXXX XXXX XXXX via chat on XX/XX/XXXX verified that my account met the requirements. Shortly after, I called the number provided and was told to wait a little longer for the bonus to post. I have waited for the statement to close, and the bonus is still not posted. Chat attached.
|
| 12/15/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Cashing a check
|
|
Web |
Servicemember |
|
On XX/XX/2022, Our company wrote and mailed a XXXX XXXX XXXX XXXX XXXX check to XXXX XXXX XXXXXXXX in the amount of {$3500.00}. On XX/XX/2022 that check was deposited into XXXX XXXX XXXX XXXX ( BMO Harris Bank NA ). XXXX XXXX, XXXX has indicated via sworn affidavit that they never received the check. To date, XXXX XXXX XXXXXXXX XXXX has yet to identify how a stolen check was deposited into an account that is not XXXX XXXX XXXX From our prospective, to resolve this issue should be very simple, but more importantly, the fraudulently deposited check should be reimbursed immediately.
|
| 08/22/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
The bank performed an international wire transfer on Tuesday, XX/XX/2019 in the amount of {$43000.00}. The receipt indicates the funds should have been available on XX/XX/2019. To date ( XX/XX/2019 ), the funds have not arrived at the destination.
I have emailed my bank with no response. I have called and have not received a call back. I contacted the dispute number on my receipt and placed a trace on the funds with a request the funds be returned if found. To date, the funds are still missing.
All account numbers, etc. on the wire transfer have been confirmed and are correct.
|
| 04/30/2021 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Had a one year XXXX that matured XX/XX/21 that had an interest rate of 1.85 % apy or 1.833 % daily rate. Rec 'd the banks check today and the amount is not correct if you multiply the initial deposit by the interest rate.
The bank has made an error in calculating the interest. I called them today and they would not discuss the matter with me other than to say that their calculations are correct.
I asked that they email their calculations to me for my review but they refused.
Please contact this bank to rectify their error. The bank is BMO Harris, an online bank.
Thank you
|
| 07/26/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Received a email my account is in overdraft for XXXX you can not withdraw a XXXX from you account have not been using my card to order any thing lately and I went into the bank to withdraw this month with this technology and online management is becoming a nuisances and a avenue to abuse and charge customers erroroansly. I dont want to thing my bank or the products I use are scamming my account had to replace my card recently because of uber charges adjusting to the account at XXXX XXXX. Please same thing happen to my XXXX money card I feel like I am being discriminated against.
|
| 05/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
We took out a loan with XXXX. They had BMO issue the loan.
The names on the profile and the loan account are different, and we are having a hard time accessing all the information about the loan.
I am uneasy about paying the loan amount into an account I have no access to.
Calls with BMO : XX/XX/23 - XXXX - 1 hr 31 min XX/XX/23 - XXXX - 18 min XX/XX/23 - XXXX - 57 min XX/XX/23 - XXXX - 1 hr 13 min XX/XX/23 - XXXX - 12 min XX/XX/23 - XXXX - 14 min At one point XXXX from the Resolution Team told me that she will look into it and give me a callback. No callback was received.
|
| 02/15/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
BMO Harris Bank 's statement is calculating the credit ending balance incorrectly. On my XX/XX/XXXX bank statement, the previous balance is XXXX ( CR ), other credit for this period is XXXX ( CR ), however, the ending balance is only showing XXXX ( CR ) rather than the accurate amount of XXXX ( CR ).
In addition, for the XX/XX/XXXX statement, it shows the purchase amount is XXXX, which exactly offset the credit amount I have been on the credit card, but it was never incurred.
My statement is understated. I tried to contact BMO, but it takes forever to talk to a real person.
|
| 09/03/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
XXXX XX/XX/2022. After many exchanges of letters with BMO Harris Bank, I was informed that the account I am disputing had been struck off their books and is in the form of a lien which could be straightened out in the future. And that no further actions would be taken.
I received three " final notices '' all dated XXXX XX/XX/2022. I wonder how there can be final notices when there have not been any " notices '' prior to this.
BMO Harris has been sued in a class action filing and was convicted on deceitful and unfair practices. I believe that I am a victim of those efforts.
|
| 01/24/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
My wife and I are having a lot of problems with BMO/Harris. We 're now seeing the same check going through twice and SOMEHOW the check seems to land in an area where I was short -- SO & lt ; I will be charged XXXX NSF fees for the same CHECK! Now, I got one of them reversed, and YESTERDAY I went there to talk with the bank manager in XXXX, WI and I know that she could see that it was going to be charged another NSF fee and she did n't say anything about it. I ca n't trust them, by the end of this month, I plan on taking all of my monies out and transferring it to another bank.
|
| 09/04/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
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
|
| 12/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
BMO Harris bank close my account sent available funds in the account to Unclaimed property. They asked me to provide a hold harmless form from the financial institution. the branch manager from the financial institution, XXXX speak with BMO fraud specialist XXXX, She stated she dont doesnt know why theyre holding money and she request for manager it has been a month. I still havent received a call from a manager, the ACH credit was endorsed to the business account. There was no reason to close the business account. There was no fraud detect Im requesting a call from a manager
|
| 08/25/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have simply been trying to make a payment on my Bank of the West credit card I am unable to login to view my bill, confirm accurate transactions and make payments. When I login to the Bank of the West credit card login, Im told to visit the BMO welcome center page that includes no relevant information for logging in or making payments. Interest and fees will accumulate on my account if Im unable to pay my account and there are no branches near me. How is a bank able to stop offering fundamental services for credit cards accounts during a transition with no accountability?
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| 04/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
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|
Web |
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I have a Business checking XXXX account but I never used it. It charged me {$200.00} in monthly fees already and I have been contacting them for closing this account. But they charged me again on XX/XX/XXXX making the balance to be negative and used this excuse to not close my account. I really don't like this kind of scam. Charging the customer, making the balance negative and refusing to close using this excuse, and charge again on an ongoing basis.
I hope BMO would do the correct thing for the customers, and stop this kind of practice.
Simply close my account.
Thanks!
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| 11/06/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
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In XXXX of this year I tried to open another savings account online with BMO Harris Bank, I already have one savings account. They rejected the application saying that there was something in a credit report that caused the rejection. They refused to tell me what was in the report that caused the rejection. I pulled my credit reports, there are no problems. If they have erroneous information on me and the insurance industry gets a hold of it, they will use that to increase premiums and, they may already have.
I can not find a problem and BMO will not give me an explanation,
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| 07/29/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
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BMO Harris began charging a monthly {$12.00} fee to my checking account for having too low of a balance, after years of the account having no fees, and without any notice, as required. Eventually these fees totaled {$210.00}, or 44 % of the balance of my account.
Because this was an account I no longer use regularly, I only discovered these fees a few days ago. The fees began in XX/XX/2019, and continued monthly until now. I was shocked to see my account balance drop from {$480.00} to {$270.00}, when I wasn't even overdrafting. The bank was simply holding onto my money.
|
| 02/16/2017 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
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Hi. I had five errant ATM transactions in XXXX on XXXX/XXXX/17 The ATM machine cancelled the withdrawal transaction but posted it to my account as a withdrawal five times.
BMO has only credited me for FOUR out of FIVE transactions, and TWO out of FIVE transaction fees. I am still waiting for the credit on one transaction of {$130.00} and TWO additional {$4.00} transaction fee and ONE additional {$3.00} transaction fees.
Please see attachments for original statement and the current credits. Obviously, I would like to get the final credit for the transaction and the fees.
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| 12/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
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In beginning of XXXX this year ( XXXX ) I opened credit card account with this bank. As a promotion this company promised to pay {$200.00} after spending {$2000.00} within first three months ( see attachment ). I did it, but never got this money. I called them three times in different time, and every time they give me different info about when I will get my {$200.00} reward. I see that this company practice fraudulent business and lying to their clients. Please set an investigation of this business and help me to gen my money according agreement. Me card number is XXXX.
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| 10/31/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
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|
Web |
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XXXX XXXX XXXX XXXX CA XX/XX/23 {$5.00} ( XXXX ) with drawls XXXX XXXX XXXX XXXX XXXX CA {$15.00} total {$120.00} XX/XX/23 Called last week XX/XX/23 because XXXX XXXX XXXX XXXX XXXX CA took out XXXX {$18.00} withdrawals and they said they deactivated that card and a week later I have the above charges actually taken out of my account. No one is helping get my money back and they said I have to sign papers that will be sent in the mail to make sure it is our account. I gave them all my information and they still dont believe it is my account or I didnt do the charges.
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| 10/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
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On XX/XX/2023 BMO HARRIS treated me like I didn't own my own account even though I passed the verification questions. I called days before and never had to deal with getting my money from my own account that they plan on closing anyway. They re making me print out papers, getting the papers notarized just to prove ots my account. They won't let me access my own money. The are keeping me from withdrawing my money from my account by using the excuse that I'm not verified even though I verified myself by entering my social and phone code along wit answering 3 questions
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| 11/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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This has been going on for almost a year. I've called XXXX XXXX informing them that I have never applied for anything with them.
This inquiry does not belong to me and needs to be removed at once.
XXXX XXXX ( Bank ) XX/XX/XXXX I have BMO Business and personal bank account, and Credit card my credit report was run 3 times for my credit card. I want to keep all my accounts. Just please remove the inquires. Do not bother my accounts.
BMO HARRIS BK N.A. ( Bank ) XXXX XXXX, XXXX BMO HARRIS BANK XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX. ( Bank ) XX/XX/XXXXXXXX XXXX
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| 05/05/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
|
|
Web |
|
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BMO Harris Financial with XXXX XXXX XXXX have failed to release funds from a IRA inheritance account ( Deceased mother who I'm a beneficiary to that account ). They were able to provided funds to other siblings, but refuse to issue my funds. Total amount is around {$16000.00}. They told me it is invested and will not release. Contact people are XXXX XXXX and XXXX XXXX from BMO and XXXX. I have been emailing both parties and talking to them since XXXX XXXX and signed all paper work that was required. They keep on delaying funds. I believe its a scheme to defraud me.
|
| 05/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I send a Certified money order through my bank to the lender. They say they did not receive it in XXXX but the letter sent to me saying they did receive it but they didn't know where to put it at. And my account was right on the letter. II call they say they return to check I never received it. I can not get the money until 90 days before I can go to the bank to cancel it. The manager who I call XXXX XXXX, ( XXXX ) she could not help I told her find the check. and not put me down as Delinquent. I PAY EVERY MONTH WITH A Money order from the banK Now it's a problem.
|
| 03/30/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
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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.
|
| 12/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Web |
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I opened BMO Harris account with a promotion of {$500.00} cash back bonus. Condition was that within 90 days of account opening I should have {$7500.00} in direct deposit. Which I met.
On XXXX XX/XX/, I asked this question to BMO Harris via secured message Center that when I am going to get {$500.00} cash back bonus? Only got a response when i filed CFPB complaint that i will be getting it later.
Today when I logged into my account, I am seeing there is a {$1.00} fees for no good reasons.
When i asked?
Why there is a {$1.00} feed on my account?
No response
|
| 08/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
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My Dad had bank of the west as a bank he passed away in XX/XX/XXXX, we closed his account in XX/XX/XXXX, the bank was shown a death certificate and since then his phone number has been put in my name, even tho they have taken a copy of my XXXX 's death certificate they call my number and keep leaving messages to contact them, not a person to contact either, I have talked to them and they stated they removed my number from there system, I even blocked them but still receive voice mail, this is harassment and really close to a lawsuit, this needs to stop imeadietly
|
| 08/23/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
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I opened a new checking account and use the promotion offer. I supposed to get {$300.00} after opening the account and two direct deposits of {$500.00}. After this I asked the bank multiple times why I am not getting the promotional amount. After research and multiple follow up calls, I was told that I didn't use a debit card. When I opened the account, I didn't get the debit card and the manager didn't mention to me anything about using debit card. This is clearly misleading advertisement and intentionally not disclosing all facts when I was opening the account.
|
| 11/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
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I did an online application to open a checking account with BMO Harris, after I completed my application they requested a copy of my light or gas bill showing proof of address which can be with in 60 days. I sent my light bill over that I just received and has a XX/XX/XXXX date. They tell me they cant open my account because my bill is past due. Which for one it isnt. So I stated you requested my light bill for proof of address not how I pay my bill. I believe that is unfair service. I have another account and was never turned down because of how I pay my bill.
|
| 08/08/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I opened BMO Harris Premium Rewards credit card on XX/XX/18.
It was advertised that I was supposed to get XXXX points ( {$300.00} value ) after spending {$2500.00} within first 3 months. I have met that requirement, but never received this bonus.
When I contacted the bank they closed my card for no reason and responded that I couldn't get bonus because my card was closed. I have not violated any rules and met the bonus requirement, so I consider their decision a violation of their advertisement. I suspect they closed my card simply to avoid the bonus payment.
|
| 12/26/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
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On XXXX/XXXX/XXXX my XXXX XXXX Account XXXX, with BMO Harris was closed with a balance of {$620.00}. I did an online chat with them and they said a check would be coming in the mail with 2 weeks. After 3 weeks I once again started a chat and they said to give it until the end of XXXX. Still no check. Just recently I called BMO Harris last week and was transferred over to a person who handles the checks but was not as her desk so I left a message. My message was never returned. It 's been almost 2 months and I am missing my {$620.00} from my closed bank account.
|
| 06/28/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Older American |
|
On XX/XX/XXXX, I received two cashier 's checks totalling {$75000.00} for the sale of my boat.
I deposited those checks into BMO Harris bank XXXX XXXX, Florida office.
On XX/XX/XXXX, BMO Harris credited my account for the check deposit.
On XX/XX/XXXX, I wire transferred {$10000.00} from BMO Harris bank XXXX XXXX Wisconsin office to XXXX bank.
On XX/XX/XXXX, BMO Harris returned the origial {$75000.00} cashiers checks as not valid.
My account at BMO Harris is now {$11000.00} overdrawn. They also took my social security deposits to offset the overdraft.
|
| 12/08/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I had some deposits with BMO XXXX high yield savings account. When I decided to transfer the money to external accounts it wouldnt let me saying the transaction had to be reviewed and would process in a business day or two. I tried with a few other transactions and they went through but then all of the transactions were refunded and my account froze. Ive been trying to get in touch with BMO alto for two days now not having much information about my account. The fraud department has not called me and the voicemail box is full and I can not access my account.
|
| 09/08/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened without my consent or knowledge
|
|
Web |
|
|
I received a credit card in the mail yesterday ( XX/XX/23 ) from BMO Bank that I did not apply for. It was a card in my name with XXXX XXXX from XXXX XXXX XXXX on the card as well. I did not recognize the name and when I tried to close the account the bank would not let me because it is a corporate account with a {$700000.00} credit limit. I did not authorize nor sign for any card to be opened under my name. I did not sign any papers or fill up any application form to apply for any credit card from this BMO bank. It is my first time hearing about this bank.
|
| 09/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
BMO bought Bank of the West in the first week end of XXXX I paid the remainder of my rent for XXXX but my account was short {$68.00} I have overdraft draft protection so I called my landlord to notify it would be ok. BMO returned my check for insufficient funds. I called 3 times to correct it. I emailed them from work. I was told I do not have overdraft protection. Because of this error I was charged a {$50.00} late fee and got a 3 Day Notice to Pay or Quit. I changed my direct deposit to XXXX XXXX because I don't trust this bank BMO. I want a resolution.
|
| 01/03/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
My checking account was compromised and I had a fraudulent check transaction on my account, I contacted BMO bank to report the transaction and I was told to open a new checking account while the fraud is being investigated. it has been over 45days and my account has been restricted without access to my funds. please I need these funds to take care of my family in this current economy. I am left with nothing to survive because BMO won't give me my funds back. this is a life and death situation. I need my funds back asap.
Acc Name : XXXX XXXX ACC No : XXXX
|
| 06/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American, Servicemember |
|
Bank of the West could not get a correct statement to us, for some reason. We contacted them numerous times. They fraudulently charged us late fees, when their rep stated that we would not be charged fees because they obviously could not get us a statement in a timely manner, for us to verify that the charges were in fact ours. The Bank is still sending us late fee statements on top of late fees, and harassing us with phone calls weekly. We started a complaint No. XXXX with CFPB and it was never resolved. We just want them to stop this. XXXX and XXXX XXXX
|
| 02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
Enrolled in XXXX XXXX XXXX XXXX over 11 months ago to manage my credit card payments. XXXX XXXX and BMO Harris Bank have agreed on a payment plan for me. I have honored their payment plans via XXXX. These two entities have been harassing me for months with phone calls, emails and submitting incorrect damaging info to credit bureaus... continually lowering my credit scores. I have contacted them and XXXX numerous times but these damaging actions continue.! They continually report I am delinquint on payments and/or have past due amounts. PLEASE HELP XXXX
|
| 12/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
On XXXX XXXX XXXX I applied for a checking account with BMO harris. I then received a letter at my email that is XXXX XXXX telling me that I was denied an account because the bank couldn't verify my identity. This is false because I put in my correct date of birth social security number and address so they could of identified me easily. The bank did this on purpose to me so I would not get the {$400.00} bonus that was promised to me in the mail with reference number Bonus code : XXXX.
I was sent 2 different reference # XXXX XXXX and XXXX to my email.
|
| 10/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/XXXX a payment of {$2000.00} was paid toward the {$1400.00} payment that was due as it has been month after month. This extra payment always has access that is placed toward principal. The bank put {$1600.00} of the payment I made toward interest. I called and asked this to be corrected and it still to this day hasnt been fixed. Ive asked for all future excess payments to be placed towards principal and they have stated they cant do that while taking a payment through their app or over the phone. The practices here are shady and unacceptable.
|
| 01/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My wife and I were notified through XXXX, that XXXX/BMO Harris Bank NA has flagged our account as 180 Days Past Due on XX/XX/2021.
This is in violation of the Forbearance Settlement Agreement ( page 4, line item 15 and past, regarding credit reporting ) currently in place, now current with 0 late payments with every payment made on time, as reported in all BMO and XXXX records, since the start of the agreement on XXXX XXXX, and agreed to and signed by both the lender and the borrowers.
This is unduly devastating to the borrowers financial matters.
|
| 10/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
To whom it may concern : I have been trying to work with BMO Harris Bank Mortgage Dept. and Illinois Hardest Hit Program for about I year now.
My Rep is XXXX XXXX of the XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL.XXXX email : XXXX XXXX XXXX, XXXX Fax # XXXX XXXX has been assisting me with my mortgage lender to either have the lender refinance our mortgage or have assistance paying the mortgage.
The HHF has approved us but the lender has not.
We have acquired very high medical bills due to illness and really need this help.
|
| 03/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
XX/XX/XXXX my debit card was closed, my online banking was disabled, I called customer service said to call the next day. on XX/XX/XXXX I called the fraud department and they said they would call me back. I did not get any notification that my accounts would be restricted. I was trying to get food on my lunch and I don't have access to my accounts. this is unprofeccional, I have 4 mortgage payments due, my direct deposit from work arrives and I don't have any founds just my credit card. I need this to be resolved and I need someone to give me a call.
|
| 05/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
In XXXXXXXX XXXX XXXX I sent the bank a payment for the remaining balance. For XXXX months I had a {$0.00} balance, which I paid through electronic funds XXXX times. When they determined that the principal was paid off, the bank went retro back to XX/XX/2022 and tried collecting the XXXX day payoff interest, for the amount of {$70.00}. This amount was not on any statements from XXXX through XXXX, I asked for my title and they added the interest. I spent several hours on the phone with them and got no resolution. What they did in my mind is extortion
|
| 03/16/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On XX/XX/2022 I submitted a complaint to XXXX XXXX XXXX BMO Harris was harassing my dad with phone calls due to my debt. I had to tried to call in to resolve the issue and the phone reps were no help. I requested them to stop calling my dad over the phone. I worked with a representative to make payments on my card which did leave my account although BMO Harris didnt modify my credit report to show that. When my payments bounced I was unable to pay and now they keep calling my dad again. This is unacceptable harassment of my family and needs to stop
|
| 11/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/2021 I made a payment of {$1500.00} on my BMO Harris Bank credit card, by check from my XXXX XXXX checking account. While the bank deducted the sum from my bank checking account, they did not deduct that amount from my credit card statement.
I called them and then wrote them on XX/XX/2021. In XXXX, I received a letter asking me to call them, which I did. I was told that someone would get back to me. In XXXX I wrote to them again. To date, I have heard nothing else from them.
The matter has yet to be resolved in my XX/XX/2021 statement.
|
| 05/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/2023 I logged into my online banking and saw 5 unauthorized transactions posted to my account. I proceed to lock the card trough online banking.
I tried to reach customer service to request a new card and dispute those transactions, the answer from them is that they coulndt find my account information on the system because I dont have SSN.
I been dealing with them many times without a solution.
Unauthorized transactions : XXXX XXXX XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX {$130.00} XXXX {$370.00} XXXX {$360.00} XXXX {$380.00}
|
| 06/01/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
I found that my identity has been compromised after another debit card was opened in my name. I found the BMO credit check from XX/XX/16 subsequently on my credit report. I then received a letter today requiring me to contact a representative of the bank, though the provided phone number went to what sounded like personal voicemail.
I called the company prior to receiving the letter, a customer service representative was unable to provide any information about the fraudulent account and told me I would receive a call back within 7 business days.
|
| 02/19/2016 |
Yes |
|
|
|
Web |
|
|
I attempted to pay my past due balance of {$2100.00} on XXXX/XXXX/2016 via XXXX XXXX on my XXXX account. I was not aware that XXXX did not have a bank to bank payment option with XXXX. Thus, even though I fully attempted to pay on the due date, the payment did not post until XXXX/XXXX/2016 because of the check method, the weekend and the following holiday XXXX on XXXX/XXXX/2016. I called XXXX to resolve this issue and did not receive any help. XXXX then charged me a very large late fee and reported to the credit bureau that I was late by 30 days.
|
| 10/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I deposited my IRS tax refund check into my BMO Harris account at the XXXX XXXX XXXX location branch. My account was first frozen once I activated my debit card. After a couple days they completely froze my account. How can anyone make a phony tax refund check? I even showed proof with another IRS letter verifying the tax refund check amount. They still say it's suspicious of being fraudulent. Now I have no money and, on the verge of being homeless because of BMO 's mistake! Only response I get is call the fraud team. The fraud team is useless!
|
| 05/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
This is a complaint against Bank of the West Credit Card for charging illegal fees.
The XXXX Credit Card statement for the billing period of XX/XX/2023 to XX/XX/2023 lists a Minimum Interest Fee of {$1.00}. This is an illegal because : 1- The only balance on the card is a promotional balance with a XXXX interest rate until the XX/XX/2023.
2- There were no purchases made during the billing cycle of XX/XX/2023 to XX/XX/2023.
3- The Minimum Payment of the previous billing statement was made on the due day.
An interest fee is therefore illegal.
|
| 11/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XXXX. XXXX, 2019, BMO HARRIS BK N.A. add a hard inquiry on my credit report per XXXX.
On XXXX. XXXX, 2019, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
On XXXX. XXXX, 2019, XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX and XXXX.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 11/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I opened this account on XX/XX/2023 with a {$500.00} bonus promo offer. On XX/XX/2023 I confirmed via online chat that I had met the requirements for the promotion and that I would receive the {$500.00} bonus in my checking account by XX/XX/2023. I have still not received the welcome offer. The bank has been stonewalling me on why I have not received the bonus yet and they hang up on me when I call and I have had enough of their games. This is extremely unprofessional. I expect to receive the {$500.00} bonus immediately.
Thank you, XXXX XXXX
|
| 12/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
BMO loan officer XXXX XXXX promoted a loan program on a XXXX XXXX consisiting of XXXX realtors. first of all, all banks forbid marketing and promotion on XXXX ; 2nd, she said this program excluded XXXX, this is discrimination against XXXX. I checked with a BMO XXXX loan officer, he said its not true. XXXX XXXX is misleading realtors. BMO shall prohibit XXXX XXXX from marketing on XXXX and distributing misleading and discriminating promotion. This exposed the bank to endless lawsuit risk.
I attach print-screen of her marketing ( in XXXX ).
|
| 09/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I opened credit card account with BMO Harris bank in beginning of XXXX XXXX interface of that credit card site is very complicated and not easy to monitor your activity.
As of today, XXXX my current balance that BMO want to take from me is {$1200.00}.
But money that I ACTUALLY spend by using that card is {$1100.00}.
Simple math based on posted amounts on BMO Harris bank gives {$1100.00}.
This company fraudulently increases money that credit card customer owe to them.
Please stop them to steal my money and force them to post actual usage.
|
| 01/23/2024 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
XX/XX/year> : Account was frozen due to {$20000.00} transfer and funds were returned to BMO alto account.
XX/XX/year> : Provided statements showing the amount used to fund my account was via a loan from my credit union. BMO alto noted this was high risk and no longer wanted to do business with me.
XX/XX/year> : BMO alto informed me it would take 4-6 week to obtain my funds. They noted nothing can be done to elevate the matter.
At this point my money is being withheld from me. 4-6 weeks is excessive to not have them available for use.
|
| 12/05/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I need to reopen and add additional information to complaint XXXX, and would like it escalated to a manager. BMO AKTO called me and actually stated they do not have to offer any review process and can deny my attempt to pen a CD literally for discriminatory reasons, and do not have to specify what they are to allow me any way to respond at all. This bank should have its charter revoked, and the CFPB is doing nothing but file away complaints without ever doing anything. I would like the history of this matter reviewed in detail. Thank you.
|
| 05/13/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
BMO Harris has charged my checking account an overdraft fee after the account was in the positive status. BMO does not have an alert system when accounts are overdrawn and I have overdraft protection. When the account is not funded transaction are not suppose to go through, they allowed the transaction to post to my account. Once I became aware of the negative account status I transferred funds into the account. BMO Harris sent me an email today stating I have an overdraft fee after I already brought the account back to a positive status.
|
| 12/01/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I had fraud on my account in excess of {$5000.00} that was done when I lost my debit card. I even filed a police report with the XXXX police and submitted the police report number with my fraud claim. Only today I get an e-mail telling me my claim was denied for " Other '' reasons they determined the transactions were legitimate, without an explanation of how they came to this conclusion so because of that I was unable to tell them why they were wrong and was simply stone walled when I tried to talk to somebody after my claim got denied.
|
| 12/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Ive been trying too access my money since it was deposited into my account from the irs from a tax return I did through XXXX XXXX the bank then asked for all the documents an details after they said they verified the deposit I still provided all the proper documentation. Ive been calling and calling they will not let me know when I can access my money or do anything but deposit in the account its going on 3 months. My deposit was made XXXX too me on XXXX 2023. Its no reason my money should be held this long specially if its my money.
|
| 11/01/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
Older American |
|
Received mail solicitation for credit card with a {$200.00} cash bonus if charged {$2000.00} in first 3 months. I accepted and received card on or about XXXX XXXX XXXX. The first bill dated on or about XX/XX/XXXX was for XXXX and the second bill dated on or about XX/XX/XXXX was for {$1500.00}. So the required {$2000.00} in charges were made within 3 months. But as of today XX/XX/XXXX I have not received the {$200.00} bonus I tried contacting bank by phone at their customer service number, but it is totally useless. Terrible service.
|
| 11/20/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
Date of application : XX/XX/2023 Name : XXXX XXXX XXXX XXXX ID : XXXX Bank : BMO XXXX I attempted to open a CD online with my wife. My application for the CD was denied and I was not given any reason or way to rectify the denial of my CD application.
I have attempted to contact customer service to find out why my application was denied but i was told by the representative that the reason could not be given as to why my application was denied. Without knowing why my CD application was denied how am I suppose to rectify this issue?
|
| 09/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have inquiries on my report from XXXX XX/XX/2021 & XX/XX/2021 ( XXXX ), XXXX XXXX XXXX XX/XX/2021 ( XXXX & XXXX ), XXXX XXXX XXXX XX/XX/2021 ( XXXX & XXXX ), XXXX XXXX XX/XX/2021 XXXX XXXX ) , XXXX XXXX XXXX XX/XX/2021 ( XXXX ) , BMO Harris Bank N.A XX/XX/2021 ( XXXX ) , XXXX XXXX XX/XX/2021 ( XXXX ) and XXXX XXXX XX/XX/2021 ( XXXX ) all which I disputed because I didn't apply for those companies. I have even sent in letter for possible identity theft which all companies haven't responded to or said they would remove immediately
|
| 11/01/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I had a charge that was pending on XX/XX/2019 I transferred funds from one of my checking accounts to the checking account that had a pending charge. I checked my account after midnight and it showed a {$0.00} balance. I had my payroll got into the same account and checked again today XX/XX/XXXX first and seen I was charged a insufficient funds fee. I have had my problems with this bank charging me multiple fees and not wanting to credit them back. I put funds in the account to avoid a insufficient funds fee and still was charged.
|
| 09/07/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Opened a BMO Harris Everyday Checking account under a promotion that said that I would receive {$200.00} if I did two {$300.00} direct deposits from an employer within 90 days. I completed the requirements but still have not received the {$200.00} promotion yet. I opened the account on X/XX/2017 and according to the customer service reps I 've talked to, I should have received the {$200.00} promotion after 120 days. After 120 days and not receiving the promotion, I talked to the customer service reps who were unable to help me.
|
| 11/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
BMO Bank opened a checking account in my name on XX/XX/2023. On XX/XX/2023, upon request by BMO, I provided a copy of my current driver 's license, social security card and utility bill for identification. Despite my providing these documents, BMO unilaterally closed the account citing some kind of fraud. No specifics were of the fraud were given to me. I tried to convince BMO that there is no fraud, but BMO closed the account anyway. I have not received any document from BMO giving the specifics of the fraud/suspected fraud.
|
| 09/09/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I opened a personal checking account ending in XXXX on XX/XX/XXXX online through BM0 Harris Bank with the promotional code for a {$200.00} bonus if {$4000.00} was DD within 90 days.
The following DD were made : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX I deposited a total of {$4000.00} within the 90 days.
On XX/XX/XXXX through BMO online message, XXXX stated that I would receive the bonus within two weeks. I have not received the bonus yet. Today is XX/XX/XXXX.
|
| 10/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Here were the terms : Get a {$200.00} bonus when you open a Platinum Money Market account, deposit at least {$10000.00} in new money and keep it for 90 days.
-- -- I opened the account XX/XX/2019.
It's been 99 days since I deposited {$10000.00} on XX/XX/2019.
I had issues in the past with them not paying me the bonus for my other account and now it's happening again. I reached out multiple times over social media, secure message on the bank website and phone calls. I tried escalating the issue as well.
Thanks, XXXX
|
| 06/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
We had a home that was foreclosed on back in XX/XX/2012, and we are no longer in possession of the home. To this day, BMO Harris is still calling our son, XXXX XXXX, and leaving messages on his voice mail about collecting monies owed on this debt. Our son was not involved in the financing of this home in any way, and has nothing to do with this mortgage. It is illegal for them to be contacting him about this debt. We never gave BMO Harris his name or phone number as a contact. It is completely illegal what they are doing.
|
| 05/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I reached out to BMO Harris about an issue with the purchase on my credit card statement on XX/XX/2022. However, in their response they declined to do anything about the charge. All I would need to get done is to dispute a charge from XXXX & XXXX XXXX XXXX XXXX NY posted on XX/XX/2022 for the amount of {$1600.00}. The reason for this dispute is that I have returned the purchase to the merchant but have not received a refund as of yet. Order was returned with a label provided by the merchant via XXXX ( tracking XXXX ).
|
| 10/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American |
|
BMO bought out Bank of the West. I was told my same login information for Bank of the West would work for BMO. That has not been the case. I have not had access to my accounts since the beginning of XXXX. I can not contact anyone at BMO because I can not give the machine a valid account number because they haven't given me one. I have been to the branch 4 times to no avail. I have no spent enough of MY time fixing THEIR ISSUE. I want access to my account. If any fees have been assessed because I want them returned.
|
| 03/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I have been calling since the start of XX/XX/XXXX looking for my tax 1099-INT, customer service tells me to call the branch, I call there and request a copy since I didnt receive it and never changed my address. I need to file taxes and have explained to them just to let me know my YTD interest for XXXX they are unable to tell me over the phone, I am XXXX XXXX and cant go in the branch, federal law states they need to mail by XX/XX/XXXX numerous times I have requested the original or a duplicate and never get it.
|
| 08/11/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
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.
|
| 07/31/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
- Problem with customer service
|
|
Web |
|
|
I was issued a cashier 's check for the sale of my boat ; the check came directly to me and was from Bank of The West.
Upon receipt of the cashier 's check, I released my boat with all paperwork to the buyer XXXX XXXX.
After 3 days in my account I receive notice from my bank that the cashier 's check was returned due to a stop payment. First, I was told a cashier 's check was as good as cash. Now I have no boat, no paperwork and don't have the money. I can't reach the buyer or anyone at Bank of the West.
|
| 02/03/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I signed up for a Business Advantage Checking account on XX/XX/2018 with a sign up bonus offer. The offer was to deposit {$5000.00} and make 10 electronic transactions, to receive a {$500.00} bonus. I believe the promotional code was XXXX. Upon completion, I received only {$200.00} on XX/XX/2018. I have made several calls to the company, both the local branch and main telephone number. They opened up " investigations '' with a promise to call back. I never received any calls back, nor the rest of my bonus.
|
| 06/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I am not able to make online payments on my accounts. I tried calling the customer service number and they also told me that they are not able to process my payment. So I then went in person. I spoke to XXXX XXXX the branch manager at BMO located in XXXX, AZ. After talking to XXXX he also could not process my payment.
I exhausted all my resources and not a single person can take my payment. Because of this I am running late on my payments. I can not believe this is happening with such a large bank.
|
| 01/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
I went to open a checking account at BMO Harris Bank address XXXX XXXX XXXX XXXX XXXX Illinois XXXX telephone number XXXX inquiry date XX/XX/XXXX they said that my social security number was wrong I see on XXXX XXXX an inquiry with the wrong social security number XXXX is not correct it's XXXX I brought in my social security card and was still denied to open account Harris I have never provided any company that social security number. Please remove the wrong social security number XXXX off my report
|
| 05/27/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I have unauthorized charges of {$49.00} coming out of my account monthly. I told the bank that I am unaware of this company. I've tried to contact the company listed on the transaction but have received no response. I filed a formal complaint to the bank and asked them to block the charges in XX/XX/2021 but was denied. I changed debit cards in XX/XX/2021 however, the bank still allowed the company to take money from the new card. To date the unknown charges are still being taking from my account.
|
| 11/18/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I opened my account with a {$10000.00} opening deposit and they have said they can't open our account until I show up in person and they will not give me my money back. The closest branch is nearly an hour away and I work full time, so that is not feasible. I have called multiple times and spent countless hours trying to get my money back. The person whose name and phone number was on the letter requesting a call has not responded to multiple calls and has not called back when messages were left.
|
| 12/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
BMO Mortgage account Wanted to cancel my escrow account to lower my monthly payment from last 2 months.
I checked with my loan officer that it can be done. Loan officer verified it.
It has been 2+ months since i made this request but no action has been taken by BMO. I would like top request you to please ask BMO to cancel my escrow and refund my escrow deposit as soon as possible. As it has
been already ~3 months.
This is worst customer experience so far. As they are not giving my money back.
|
| 07/26/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Made payoff payment to BMO HARRIS AUTO LOANS on XX/XX/2019. Registered payment with them on XX/XX/2019. Said it takes 17 business days to release lien for payment to clear. I requested the lien to be released sooner due to the vehicle being given to my parents in another state. They are unable to register the vehicle until lien is removed. Was told they will fax to the DMV to release the and it never happens. They say title is in the mail and I never receive it has already been 15 business days.
|
| 08/15/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
BMO Harris was running a {$200.00} sign up bonus promotion. After meeting terms, I inquired multiple times within last 120 days as to when funds will be paid. First 3 calls I was told I qualified and would be paid ( in order of phone calls ) next statement. close, 60 days, 120 days. Now, today, after 120 have passed and calling in, the bonus is somehow not to be found for my account ( yet was found first 3 times ). BMO Harris is not honoring the terms they gave me, nor the commitment made to me.
|
| 09/12/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I made my payment to Bank of the West on the due date last month. A few days later I get a call asking if I would make a payment because the payment did not go through. I checked my bank account and it had not gone through. I agreed to make a payment again. I was told I would not be charged a late fee.
I got this months statement and I was charged a late fee.
Now they have merged with BMO and Im trying every phone number that is listed on my statement to make a payment and I cant get through.
|
| 09/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
Servicemember |
|
I had the account for approximately 3 months. Have been doing bi-weekly direct deposits from my employer into the account. Since my last deposit on XX/XX/XXXX at some point the account had been closed I did not notice it until today XX/XX/XXXX expecting for a new deposit. There was no email or phone contact. I called customer service multiple people were not able to tell me why the account was closed. I am a previous Bank of the West account holder that was closed approximately 9 months ago.
|
| 12/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I originally sent a message to BMO asking to close my account via their website messaging function. I was told to call their call center to close my account. They were also unable to close my account for some reason. I was also told via message that my account would automatically close after 45 days of a XXXX balance. It has been well beyond that and my account is still open and they will not close via message or phone. I do not feel comfortable going into a branch given the current pandemic.
|
| 01/26/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Servicemember |
|
I have posted {$140.00} dollars overdraft fees on my account. I have money in my account to pay for the charges that were returned a day after my deposit posted. Can I have a reversal in the fees? I also have 2 overdraft fess in the amount of {$72.00} do to XXXX XXXX charging me three times for same transaction. Can i please have this amount returned to my account?
The company is charging fees after deposit posted is enough to cover any funds. banks does not respond to any request via email.
|
| 08/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Company communicating payment assistance or payment extension options
|
|
Web |
|
|
I received certified mail XX/XX/XXXX from BMO/Harris bank about repossessed car that i had cosigned on loan. I have never received any calls, letters or any type of communication from Harris bank prior to certified letter, and after they repossed car. BMO reported to credit agencys and my credit score has been very negatively impacted by more than XXXX points. Again i received no notices, letter, or phone communication of any kind, no notice to cure, nothing period! they repossessed car.
|
| 06/18/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Settlement process and costs
|
|
Web |
Older American |
|
my home equity loan with m & i bank in XXXX wi. was bought by bmo bank after about 5 years, after paying on it another 5 years never missing a payment and always on time. they told me it had come due and they would not renew it. there was no due date on my contract with m & i. i have a XXXX credit score. and have never been late on payments or filed bankruptcy. bmo advertises, were here to help. not in my case.they want to go in default with it. i dont know what i can do. please help
|
| 06/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
Hi, they open 2 additional checking account for me without my consent. Every time I call the XXXX number to close it they hang up the phone on me and refused to connect me to the right department in order to do so.
First XXXX XXXX checking ending in XXXX and another premier checking ending in XXXX I want to close immediately because I did not open those accounts I do want to keep my original XXXX XXXX, checking account ending in XXXX. and tclose all the others Thank you very much
|
| 01/18/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
Closed my checking account with {$290.00}, as well as a savings account, in account on XXXX XXXX, 2017 over eChat. Never received my funds from either account.
Contacted BMO Harris over the course of the past 3 months almost every 2 weeks via phone and echat. Finally got a resolution on my savings and was emailed a stop payment form which I faxed back and received a re-issued check in the mail.
Have attempted numerous times to get the same resolution for my checking account.
|
| 07/29/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The Bank of the West wrote off a debt and is still collecting money from me while reporting inaccurately on my credit report. There phone number on my credit report is inaccurate which caused me not to be able to contact them with any kind of convenience and now they're clearly breaking the law by not having correct and current information as well as correct contact information for them. I have been turned down for credit because of this and need this fixed as soon as possible.
|
| 11/26/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
Bmo Harris let XXXX altered checks go through my checking account by pulling money from my money market. They shouldve allowed the XXXX checks to be cashed. The checks was stolen from my mailbox and the person altered the amount and endorsement the check to themselves. The check was cashed at a bank or currency exchange. The checks were cashed on XX/XX/XXXX and XXXX. Bmo took the money from my money market to cover charges. I have attached a picture of the police report number.
|
| 07/05/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Failure to honor US currency. I attempted to deposit a number of coins into my Harris Bank checking account. The clerk and bank manager stated they would not accept coins unless there were first rolled and refused to take my coins as a deposit. My wife works for a XXXX XXXX XXXX and does lose coin deposits all the time without rolling coins. A bank refusal to accept US loss coin currency from the public ( but does so for business ) is a direct violation of Federal Banking law.
|
| 01/10/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Their online banking, mobile app and telephone banking system have been down for over a week.
Tried calling two branches ; at one they would not answer the phone, it just rang and at the other they put me on hold and never came back.
This is not the first time this has happened.
Luckily due to some other problems with them, I don't keep much money in their bank anymore.
I do worry about everyone else.
There is something very wrong with this BMO Harris Bank 's operations.
|
| 08/24/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
I opened my business banking account for XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX THE MONTH OF XXXX XXXX 2022. Today XX/XX/XXXX of 2022 my account is overdrawn by {$320.00} all of NSF fees ( non sufficient ). I have not overdrawn this account since I had it this is rediculous. I am requesting to have these fees waived and for my account to be back positive. I do not have the funds to pay this right now regarding inflation, and being a single parent of 2 to pay these fees.
|
| 01/31/2017 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
|
|
I had a M and I credit card stolen XX/XX/2007. They are reporting inaccurate information to XXXX credit bureaus. XXXX and XXXX. I have made numerous attempts with both M & I which is now BMO and the credit bureaus. XXXX is the only one reporting accurate information. I have asked BMO to provide the documentation to support the information being reported and they refused. Telling me they had no legal obligation to do so. This file is way too old to even be on my credit file.
|
| 11/29/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
The bank is making it nearly impossible to pay my auto loan. I have called almost 100 times and still can not get through to make a payment. My mother waited on the phone for an hour and got through to someone only to find out that they charge {$15.00} for making a payment over the phone. I need online access to make charge free payments and they will not grant it to me. I have charges that I do not understand and need to be explained except I can not reach anyone to do so.
|
| 10/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My spouse filed XXXX XXXX bankruptcy without my knowledge, and just for herself.
The vehicle secured by the loan from BMO Harris is included in the bankruptcy and in the repayment plan. They are attacking MY credit and trying to force me to pay it outside of the bankruptcy proceedings by reporting me as late / delinquent, even though the bankruptcy payments are being made by my spouse and they are receiving funds as agreed within her deal, which has nothing to do with me.
|
| 01/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
BMO Harris Bank , N.A . bills me for a car I did NOT buy and do NOT own and have NEVER owned, and BMO Harris Bank , N.A . has put this IDENTITY THEFT charge which I do NOT owe into my credit reports at every credit bureau ; BMO Harris Bank , N.A . needs to immediately and permanently stop sending me bills for this account which I do NOT owe, and this bank needs to immediately and permanently remove this false charge from my credit reports at every credit reporting bureau!
|
| 01/26/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
On or about XXXX XX/XX/2022, i tried opening BMO Harris checking account with promotions but both the account I couldn't open as my application was rejected. No reason provided except send an email or call the customer service. On calling customer service I was told that send an email. On XXXX XX/XX/2022, I received email response stating call phone. So essentially I am sent in circles with nobody from BMO Harris willing to help or why my account application was rejected.
|
| 04/27/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
BMO stole from me. They re arranged charges throughout the week to justify stealing money that was refunded to me. The merchant that gave the money back has record of the refund but BMO does not have record of the refund because they adjusted the account transactions in a very sneaky manner. I have called the bank with the merchant on the phone and they started an investigation however refuse to provide a provisional credit so that I can pay my bills. They stole from me.
|
| 08/10/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Older American |
|
MY account was over drafted due to an unauthorized payment. I contacted the bank and the bank the overdraft fee of {$36.00}. However, the bank refused t reverse the OD overdraft daily fee on the the original {$36.00} overdraft fee, which makes no sense.
The bank charged me heft fees of {$7.00} a day totaling to {$77.00} or so, I have a copy of my a printout of my statement that was printer by the Personal Banker of BMO showing the refund of the original {$36.00} OD fee.
|
| 12/11/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
This is a followup complaint. Initial complaint # is XXXX.
BMO responded to the initial complaint ( attaching pdf document ) and shared the contact number of Fraud Department Manager ( ( XXXX ) XXXX ). I tried reaching out to the Manager more than 20 times in last two business days during working hours. Call was directly going to voicemail and I left a voice message. BMO didn't show the basic courtesy to call back and is not taking any effort to unfreeze the account.
|
| 12/30/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
According to the Illinois Motor Vehicle Retail installment sale act, in regualition of all federal truth and lending acts. The illinois retail installment contracts is supposed to have an aribitration clause. There is no Arbitration Clause in the contract that i signed with Bmo which constitutes this contract as one sided. I am requesting an examiner to overlook contracts submitted by BMO auto loan department. This constitutes a class action law suit on buyers behalf.
|
| 01/08/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX I received the email from XXXX XXXX with proof of verification of debt from BMO Harris Bank. I responded to the same email XX/XX/ asking for proof of validation of debt. XX/XX/. I then emailed again requesting proof of validation of debt with no response to neither email with the appropriate documentation. I didnt requested that this collection be ceased as they do not have the appropriate documentation to prove the validation of this debt claim to be mine.
|
| 04/05/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
Older American, Servicemember |
|
On the XXXX of XXXX I received a correspondence from BMO Harris Bank reference information on my account. An account I never opened. I contacted the Bank today, the XXXX of XXXX, and cancelled the account.
The account was with BMO Harris Bank N.A., XXXX. XXXX XXXX, XXXX, IL. XXXX. The Statement Period is XX/XX/21 to XX/XX/21. Deposit Account Summary Previous balance XX/XX/21 balance XXXX Ending balance XX/XX/21 XXXX No deposit activity during this statement period.
|
| 05/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
I XXXX XXXX XXXX do have a hard inquiry on my credit from XXXX of bmo harris bank thait is fraud that I did NOT authorize by any manner. I have talked to the bank on 3 occasions and they have not removed it. I do not and have never had acct with this company by any means. this is a fraud attempt that they refuse to contact the credit reporting agency to have it removed. XXXX XXXX will not remove without bmo harris bank stating to remove the inquiry dated XX/XX/2019.
|
| 09/25/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Home Equity line of credit loan was taken out by myself over 14 years plus ago as of XX/XX/2019 BMO Harris decided to do a cancellation of debit and now the IRS was me to pay taxes. Never received a 1099-C form as I havent banked with BMO Harris in over 10 years. I have since had my home foreclosed on! Have no way of obtaining 1099-C and dont think its fair that after 14 + years BMO Harris is now able to say that the are doing a Cancellation of Debit on this loan
|
| 02/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I received a ''Premium Rewards '' from BMO on XX/XX/XXXX, a year and couple of months after after I requested an annual fee waiver on XX/XX/XXXX, they changed my card to ''Platinum Rewards ''. The new card showed up at my mailbox with a booklet explaining that I can get XXXX points by spending {$2000.00} in the first 3 months of receiving the card. I qualified for the bonus on XX/XX/XXXX ( transaction of worth {$2000.00} ), but never received the promised points.
|
| 02/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I received several emails from banks verifying that several accounts were being reviewed I did not apply for. Specifically a checking and credit card account with BMO Harris, and credit card accounts from XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I also saw inquiries were processed on my XXXX account. These primarily happened on XX/XX/XXXX. I spent much of XX/XX/XXXX and XX/XX/XXXX contacting the companies and letting them know the applications were fraudulent.
|
| 10/20/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
Older American |
|
XXXXXXXX XXXX 2payments of XXXX Was selling item was contacted by scammer To use XXXX where he overpaid and I sent him back the money but his was never sent Yes it was stupid on my part I contacted and made complaint with XXXX And also my bank BMO Harris Bank Within in 30 minutes of transactions Have never heard back from either If the Bank promotes use of the XXXX app But does not disclose the risks or scams Are they not accountable I did shut down the app XXXX
|
| 06/05/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My statements are claiming I have not made any payments. I was sent two XXXX statements. The second statement claims I have made no payments and now I have received a XXXX statement showing I owe a double payment. This happened last year and after the bank rejected all of my complaints and held by their claim ( about six months of back and forth ) it took two better business bureau complaints a filing with the Consumer financial department to finally resolve it.
|
| 05/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
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.
|
| 04/30/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American, Servicemember |
|
on XX/XX/21 and two weeks previously i tried to deposit monies into my checking account. the deposit consisted of a credit card stimulus payment from us govt, {$1400.00}. bmo harris refused to accept my id, altho this is the same id used to open this account years ago. bank tells me i must show them a state issued id or a passport. i do not own these other ids '. if my id was good enough to open an account, why is it not good enough to make a deposit. XXXX XXXX
|
| 03/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX XX/XX/2019 add a hard inquiry on my credit reports.
But company did not provide the following proof : Permissible Purpose My written authorization XXXX that I personally initiated these inquiry.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section XXXX ( c ) : Transactions Not Initiated by Consumer.
|
| 02/19/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
During XXXX of 2017 I attempted to close my credit card with XXXX XXXX ( XXXX XXXX XXXX ).
I had a credit balance and they refunded the balance by check but would not close my card. It has affected my ability to open a credit facility with another bank.
I called them today and asked if I could record the call where they would close the credit card. They said because I had asked to record the call they had to hang up.
To my knowledge the card is still open.
|
| 10/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
My name is XXXX XXXX. I work as a XXXX XXXX XXXX XXXX for XXXX XXXX. BMO Harris keeps calling my work landline for debt collection. I have no account or debt with BMO Harris. They are calling my work number in error. I have asked many times over the past few weeks for them to stop calling this number. Every time I call a " manager '' says they'll remove me from their " List '', but after multiple weeks they still haven't resolved the issue and keep calling.
|
| 09/28/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Few months ago I opened up a BMO checking account for the {$200.00} sign up promotion for " Receive two qualifying direct deposits of at least {$300.00} or more within 90 days of account opening ''. I completed the requirements but the {$200.00} sign up bonus never posted to my account. I checked my account today and account has been closed. This seem like a switch and bait where they advertise you to sign up and refuse to pay and simply close your account.
|
| 10/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I attempted to open up an account at XXXX XXXX XXXX. In doing so, XXXX XXXX XXXX informed me of a bad debt from BMO bank for {$470.00} from XX/XX/21. The address associated with this fraudulent claim is a address I have not live at for the last 23 years. This account was not opened by me nor did I ever give permission to have an account open at BMO bank.
At this time, XXXX XXXX XXXX is denying me the ability to open up a account until this is cleared up.
|
| 02/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
In the month of XXXX, I made 2 {$200.00} payments on XX/XX/XXXX and XXXX. On BMO 's website it shows both the payments were received but I was only credited for the {$280.00}. There is no trail of where the money went and it wasn't applied to the loan. Furthermore, the payments are both showing as being made on XX/XX/2023 on BMO 's website which is incorrect. The activity on their end seems suspicious since no one can really tell me where the money went.
|
| 01/13/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I have perfect credit payment history. We were robbed by a contractor and forced to use credit cards to get home repaired. We used equity earned to pay back credit cards. BMO Harris stole the money I paid and dropped credit limit to amount I paid. On top of being extremely stupid by scamming a couple making over $ XXXX a year with a high value home that will be refinanced, they stole money from a loyal 20 year client who has never missed a payment ever.
|
| 10/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided.
Hard Inquiry Name Here Delete this unconfirmed inquiry lacking certifia evidence unless physically certified verified proct is demonstrated per U.S CODE 15 U.S.C.
1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
|
| 05/19/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX of 2021 XXXX XXXX closed my checking account that ends in XXXX.
As of today, XX/XX/XXXX of 2021 the funds have not been received by me that were in that account.
I have been told numerous times on the phone that is 5 to 10 days to receive the check I have called numerous times to every number I was given by BMOHarris to try to get an answer for this and they continue to Stonewall me.
This is intolerable, this is totally unprofessional.
|
| 04/06/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Hello, The requirements for BMO Harris incentive were two deposits for {$300.00} within 90 days.
Account opening : XX/XX/XXXX ( 90 days would be effective on XX/XX/XXXX ) XXXX XXXX : XX/XX/XXXX {$300.00} XXXX XXXX : XX/XX/XXXX {$300.00} XXXX XXXX : XX/XX/XXXX{$300.00} XXXX XXXX XX/XX/XXXX {$370.00} XXXX XXXX XX/XX/XXXX{$520.00} XXXX XXXX XX/XX/XXXX{$670.00} The above fulfills the deposit requirements.
Please have BMO deposit the {$200.00} offer.
|
| 10/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I had an unauthorized debit of {$1.00} from an overseas business. I repeatedly requested the account to be closed and reimbursement of the missing funds. After weeks and multiple phone calls, the account was finally closed.
I have yet to be reimbursed for the stolen funds nor compensation for the time involved to rectify this issue. Additionally, there has been no mention of opening a replacement checking account, nor an apology by letter or phone.
|
| 12/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
XX/XX/XXXX this year i called BMO Harris Bank Cash Back credit card to order paper check for the negative amount of {$190.00} ( see attachment ) / Female named XXXX took my request and assured me that i will receive the check within 7-10 business days. Today is XX/XX/XXXX and i still don't have not check neither money on my credit card balance.
I think that this bank uses on me it's fraud-like practice again.
Please force them to give me my money.
|
| 03/14/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
I have been targeted in FRAUD. I received a letter of Insufficient funds/returned items from BMO Harris bank . I did not have an account or opened an account with BMO Harris Bank. I wasn't aware that an account was open in my name until I received this statement of insufficient funds. The fraud amount was {$1400.00} with the balance amount of {$1800.00} according to BMO Harris records. This is FRAUD. This person should be Penalized... Please Advise.
|
| 05/11/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
BMO Harris Bank seems to have the practice of promising bonuses they have no intention to honor. In this case, they offer a small bonus [ {$50.00} ] for opening a savings account with them by XX/XX/XXXX. I opened such account on XX/XX/XXXX, with {$1000.00} and have kept that money in the account to this day. Five months later, they haven't honored it yet I have received, though, XXXX CENTS in interest rate during this period of time. But, no bonus.
|
| 04/14/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Company auto charged me for {$75.00} fee for annual club rewards. This is a Corporate card and I'm no longer with the company and so the account is closing I'm 60 days.
I've called and requested a partial refund. I was informed that Diners Club doesn't reimburse or prorated these fees. I requested documentation to support that policy. I was talked to rudely from that point and placed on hold for 40 minutes before suspeciously being disconnected.
|
| 05/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
I requested that BMO Harris N.A. ( the bank ) close my Cash Back Mastercard. They say that they did and issued a letter confirming that it was closed. However I subsequently received a statement for the card and contacted them about receiving a statement after closing the account. The representative told me that the account was still open. This was after the letter was issued. The representative then told me that they could not fix the problem...
|
| 04/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information is incorrect
|
|
Web |
Older American |
|
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.
|
| 03/22/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I was in New York on XX/XX/XXXX and purchased two single ride tickets that were suppose to be {$2.00} a piece at a XXXX machine. I was instead charged {$33.00} a piece by XXXX which caused my bank ( BMO Harris ) to charge me {$71.00} in overdraft fees. XXXX refunded the two separate {$33.00} charges the same week, but BMO Harris refuses to refund the {$71.00} overdraft charge. XXXX emailed me saying they will not refund the {$71.00} charge either
|
| 08/22/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/18 an unauthorized charge was made to my account from a company called XXXX. After working with a representative at BMO Harris Bank to try and fix the issue, I received a letter in the mail claiming that I did in fact authorize the transaction and my claim was being closed. I tried to contact XXXX but was unable to speak with anyone about my issue. I am disputing this chain of events. The unauthorized charge from XXXX was for {$970.00}.
|
| 11/20/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Opened account XX/XX/17 and followed the requirements for bonus. Code was automatically applied on online application and was n't able to get code readout. Waited about 120 days before contacting.
Messaged general inquiry. They mentioned that I used a code that made it uneligible and I was out of state. However, the final print was changed after I applied as it did not have the state requirement. They said I could no longer escalate the matter.
|
| 12/13/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I processed an ACH transfer through XXXX XXXX online platform from my XXXX savings account to a linked account at another bank. XXXX XXXX did not process the transaction and put my account on hold claiming a fraudulent transaction. I have called repeatedly and confirmed with XXXX XXXX that it was an authorized transaction. They have not re established access to my account, and will not provide a resolution date. Or provide any other resolution.
|
| 06/17/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I request for my account to be close XX/XX/2022. BMO Harris explained they will send the remaining funds of {$4500.00} by mail in 2 business days. I have not received a check. I called to have the check canceled and resent and BMO Harris explained they need to send an indemnification form for me to sign and notarize. I have not received such form. They said they would email it and I have yet to receive it. I have no other recourse it this time.
|
| 07/06/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
This company has denied me a loan when I have a 700+ credit score, 0 % debt to income ratio and a {$10000.00} monthly income. I have paid multiple car loans and dont have any missed payments on my credit report. This company gives loans to clients who make less money, have more debt with a lower score. I feel as if I have been discriminated against because of my age and color. They dont want a XXXX year old XXXX man buying a brand new corvette.
|
| 09/03/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
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
|
| 09/20/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened my account on XX/XX/XXXX in responding to a web ad saying XXXX opening bonus if you complete 2 direct deposit of XXXX or more. It also says Well automatically apply the {$200.00} offer promo code when you apply online. I called and was told there was no promo code attached to my account at opening. It has been over 5 months and still no XXXX dollars.
I read that many people are having the same problem. BMO Harris is the worst bank.
|
| 11/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I received a physical piece of mail XX/XX/23 from BMO bank. It was an account statement summary for unknown to me " BMO XXXX XXXX Checking account ''. There is no BMO bank location in my state and I've never seen, or used their services. I have no idea how the account was opened or how long it has existed. Their fraud department told me they would begin process closing of the account. Requested I submit a fraud report to back up their claim.
|
| 11/08/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
We paid this car loan off on XX/XX/2019. We have made numerous calls to BMO Harris Bank but still have not received the title to this vehicle. The last person we spoke with was XXXX ( refused to give last name ) said she was a manager, advised if we go litigated she will stop all research. She was of no help and did not want to help. We are tired of waiting on this Title as we want to sell this vehicle but we are not able to without a Title.
|
| 09/28/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I had a target debit card payment go through that overdrew my account {$.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.
|
| 07/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
Older American, Servicemember |
|
I received this BMO Harris Bank Mastercard which stated that I would receive a {$200.00} credit after spending {$1000.00} in the first 3 months of the card. I spent more than the {$1000.00} that was required and never received the advertised credit or cashback. I've spoken to them numerous times and been ignored some have even laughed on the phone which is very poor customer service. I hope this bank gets investigated for false advertising.
|
| 08/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Around XXXX or XXXX of 2022 someone contacted me via my XXXX XXXX for XXXX XXXX for their 3 XXXX relatives. After agreeing to XXXX them I was instructed to look for a check in the mail and some time a check did arrive. After it cleared I promptly paid some bills and held on to the person 's agreed amount to be sent back. After seeing a XXXX return address I was reluctant to send money back and was charged with cashing a counterfeit check.
|
| 04/07/2017 |
Yes |
|
|
|
Web |
|
|
I submitted a complaint back on XX/XX/XXXX regarding the one 30 days late payment I had on this card which was accrued after the passing of my father. I was granted a removal of the late payment from my credit report via a letter from BMO Harris Bank. Fast forward to today, XX/XX/XXXX, I open my XXXX and the payment has been placed back on my report with no written notification to me which is a direct violation of consumer protection laws.
|
| 07/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
On XX/XX/XXXX my account was with no funds, and my monthly {$2500.00} gym membership was deducted and Bank of the west charge me {$3500.00} overdraft fee that was not authorized. Because when I open this account the XXXX ask me what I would like to do if was no funds. And I opt to don't charge me overdraft and simple decline the transaction. They didn't right and don't honor it. I already tried to solve with the bank but nobody answer me.
|
| 04/28/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I missed an XXXX payment and got my loan caught up with my XXXX payment. Just about every month since then I have been getting escalating notices of failure to pay even though my payments are more than the minimum. I have called in several times and thought the problem would be resolved after they realized they miss credited my payments.
The letters dont stop and become more threatening. This last letter says I am in default for {$36.00}
|
| 07/04/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I opened an account with BMO around XX/XX/2019 because they were advertising a {$200.00} bonus if I had a direct deposit and used my debit card 10 times. I met all of the requirements and the bank closed the account without letting me know, without having a reason and did not pay the {$200.00} bonus. I called the bank to ask them why my account was closed and the Customer Service rep said it was strange and he saw no notes on the account.
|
| 04/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
I received a credit card from Bank of the West on XX/XX/XXXX for an account that was opened on XX/XX/28. I attempted to close the account with the bank but I am suspicious of the number that was provided. I received the card at my home. When speaking to the Customer Service Representative they were obstructive and continued to ask for further information. I was told that I would receive a letter to document the closure of the account.
|
| 10/09/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened my savings account on XX/XX/2019 in branch in XXXX. The new account bonus for the savings account was for {$200.00} if you deposit $ XXXX in new money into the account and keep the money for 90 days. At the time of opening, the agent said I can deposit {$100.00} as the minimum opening account balance and then move in $ XXXX. I have met all the terms, and now its been 5 months and I still have not gotten the {$200.00} bonus.
|
| 12/31/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I have tried to resolve this issue with the bank for months.
There was a transaction to a merchant named XXXX XXXX XXXX that I made that I later requested to be refunded for.
The tickets that I bought from XXXX were for an event that was later cancelled due to the unprecedented events caused by Covid-19.
I have asked the bank disputes team to ask the merchant to get the charge back without success.
I hope this entity can help.
|
| 07/28/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I had opened the BMO Harris account successfully. But some or the other way I am getting a lot of messages from BMO Harris bank that something is missing? I was asked to provide the signature card - which i provided and they got it. But still they keep on saying that something is missing and they will close the account.
When you call them at this toll free # and chat with them - they have no idea. I have no idea what 's going on.
|
| 11/16/2015 |
Yes |
- Money transfers
- Domestic (US) money transfer
|
|
|
Web |
|
|
I was transferring money from my home bank to a new account to fund a new investment account. The investment account was held by XXXX XXXX # XXXX at BMO Harris Bank. My initial wire request confused XXXX fields ( the " Account '' and " For further benefit to '' ), and the wire was returned, whereupon BMO Harris Bank charged an exorbitant {$30.00} fee for the returned wire, which was taken automatically from my transferred amount.
|
| 10/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I asked him for an audit of the account they refuse to close accounts. They return payments when money is in the bank. I had to go in personally to close the accounts to only have them still remain active. Have current pictures to prove so. I would love so, like the money returned, and the surcharges for the return payments as well. I am having issues with uploading documentation. If you could send a link, I would appreciate it.
|
| 05/02/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I went to the branch 3 separate occasions, no manager was there, I made an appointment just to see why my savings account was frozen. I made an appointment, when I got there manager was on lunch. I waited she explained that my account was frozen because my son social security checks had been deposited, but his name wasnt on my account. She asked me to scan documents and email them to her, I havent heard a email, call or anything
|
| 09/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
The XXXX XXXX XXXX in XXXX XXXX which is nothing more than a 1 person company trying to get money from people. She figured out how to put debt on your credit and not only cant produce the proof but also has the worst attitude, speaking nothing but lies. Im in the bank that she reported to my credit that said I owed but when trying to put the bank on the phone with her she keeps hanging up in my face. This is not a real company.
|
| 09/27/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Today, XXXX XXXX, I am unable to access my pension account from my bank. {$2200.00}. They closed the savings account that the pension normally went into, and they are holding my money, and will not give it to me because it is in a closed account. I need to buy food, get gas, and pay bills. I am in no position to wait, like they are saying have to. They caused this problem and now they wont give me my money. This bank is XXXX.
|
| 10/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
Older American |
|
On or before XX/XX/2018 I opened a BMO Harris Bank Account Online and the XXXX Department XXXX me and Told me My XXXX XXXX and XXXX XXXX Account is From A XXXX XXXX and BMO Harris Bank is terminating our Relationship. XXXX XXXX Bank, will allow me to receive a Checking Account however BMO Harris Bank has to close my Account I didn't know I had ; {$980.00} Dollars & {$2600.00} Dollars and I never use money from BMO Harris Bank
|
| 08/04/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
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.
|
| 06/16/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
On XX/XX/XXXX I received a statement from BMO Harris Bank. I immediately called them and ensured BMO Bank that I never opened an account with them and never heard of BMO Bank until then. I asked to deactivate the account and ensured them that this was a case of identity theft and a fraud.
On XX/XX/XXXX I received a letter from the debt collector XXXX XXXX XXXX XXXX, wanting to collect {$74.00} on behalf of BMO Harris Bank.
|
| 10/25/2016 |
Yes |
|
- Advertising and marketing
|
|
Web |
Older American |
|
Credit card company denied charge back on the purchase of a pet food supplement. The product did not match the description on the website. The credit card company demanded written testimony from an expert ie veterinarian or pet food store stating that the product was not as described. This, despite my providing proof that the description on company website differed from the fact sheet that was included in the actual product.
|
| 09/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
BMO acquired Bank of the West and notified us in advance that everything would carry over and no issues would arise from this transfer and all our information ( including login information for online banking ) would be usable on the BMO website. However it appears that not only did the information not carry over but the Bank of the West debit cards are no longer working so i can even check my account or use my money at all.
|
| 11/02/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Approved for a fha loan paid earnest money home inspection twice got approved went to underwriting one step before closing lender say they made a mistake they missed my schedule c which they seen it to say am approved than denied my loan closing date XX/XX/XXXX denied XX/XX/XXXX moved out my house due to they approval earnest money XXXX paid on XX/XX/XXXX home inspection {$330.00} XX/XX/XXXX and the first XXXX on XX/XX/XXXX
|
| 07/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
|
| 02/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I have an account with XXXX XXXX XXXX and I mailed a check with bill pay back in XX/XX/XXXX. Somone other then the intended payee cashed the check mobile deposit with BMO Harris bank and the account number it was cashed to was listed on the check. My bank filed a fraudulent claim in XX/XX/XXXX and they are still waiting on this to be resolved in XX/XX/XXXX and I have not received my money back for the forgery of the check.
|
| 04/25/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
|
|
i applied for a loan the loan officer looked up the credit score and told me the score was at XXXX was to low to refinance but when i looked it up on experian i took the XXXX scores over to the branch bank they sent it to the loan dept it was at XXXX how is that different also the bank sends me papers to sign thing to me the loan went though but it did't that 's not costumer service the branch bank said it should go though
|
| 02/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
BMO Bank accepted my loan application and rejected me with a credit score of XXXX They claim 1 ) the requested term is not available 2 ) collateral is not sufficient I demand the hard pull be removed from my credit score. It is fraudulant to pull a credit score for a loan which does not exist. I have no debt other thn a home mortgage. I have been unble to receive a return phone call from their Indirect Lending Department.
|
| 09/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I have made several attempts at trying to contact and get the copy of the car loan title from BMO Harris bank, to register my car in the state of Georgia. The state of Georgia will not register the car without it. I make my payments, Ive updated my address, called several times and each time they say its processing with false promises. Its been frustrating how I pay my payments and they cant provide this document for me.
|
| 09/08/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I am a XXXX women. I made a purchase at the XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX XX/XX/2019. I used my BMO HARRIS banking card. The cashier stated that no more funds could be withdrawn from the card. I had to leave the line and go to an ATM and accrued another fee to get the cash to complete the transaction. This fraudulent practices when my account has the funds available. receipt # XXXX XXXX XXXX
|
| 03/23/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I had filed a complaint previously. The banks name is BMO Harris. I had vehicles repossessed. They gave me an amount to bring account current. I did the impossible to get the XXXX they asked. I wire money to them and now they tell me I have to send an additional 20k plus to have vehicles returned. I urge the public in need of financing equipment to stay away from this bank. They are not working in your best interest.
|
| 05/08/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a money market account at BMO harris in XX/XX/XXXX. I funded the account via wire of {$380000.00}. Several days later I opened a 60 month CD at BMO Harris and funded it from the BMO Harris money market account. They took the money out of the money market account on XX/XX/XXXX but did not give me credit for the CD deposit until XX/XX/XXXX.
I called and asked that they address this but they refused to do so.
|
| 08/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Per the attached letter from XXXX Bank dated XX/XX/2022, payment of {$450.00} was made against account number ending XXXX XXXX. As of this writing, the payment has not been credited to my account. It is obvious that payments are intentionally processed slowly in order to gain additional interest revenue for the institution. Also, for the record, the other bank listed on the letter processed the payment within 2 days.
|
| 10/28/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
on XX/XX/23 I completed a XXXX XXXX XXXX for items, the seller said he would ship after receiving payment and proceeded to block my account and delist his listings. I took screenshots of the exchanges, I have his XXXX information, his cellphone number, his full name and license plate numbers.
I want the bank information from his side of the XXXX transfer for my police report and I want the money returned to me.
|
| 12/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
Servicemember |
|
BMO Harris Bank is discriminating against me by refusing to approve me for and open up a checking account for me because of my race, me being an XXXX. I have applied for a checking account with BMO Harris Bank numerous times, and each time, I was denied to open a checking account due to my race and me being XXXX. BMO Harris Bank is violating the Equal Credit Opportunity Act ( ECOA ) under Federal law 15.U.S.C. 1981.
|
| 12/03/2016 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I sent a letter requesting removal/deletion of erroneous hard credit inquiries. I used the addresses as published on my personal XXXX credit report. The mail comes back " not deliverable as addressed- unable to forward. '' If XXXX is publishing fictitious addresses, how am I able to have the inquiry deleted? I have had this problem with the phone numbers that are published as well. Please advise! Thanks in advance!
|
| 08/21/2016 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
I have applied for HARP Refinance with BMO Harris Bank. I was told you are eligible for HARP Refinance by Loan Officer. And gave me closing cost around {$1100.00} and 3.75 % 20 year. But Bank processed my application as conventional loan. And in closing statement they charge huge amount of money. I did n't close my refinance loan. I asked for refund {$490.00} which they charge for deposit but no response from bank.
|
| 09/08/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
Servicemember |
|
I am attempting to initiate a wire transfer from my bank account at BMO Harris. However, I am unable to speak with anyone in the wire transfer department in order to do so. I would simply like to speak with someone at BMO Harris who can help me with my transfer. I am attempting to purchase a home and don't have anywhere to live in 10 days. The burden on the consumer is unrealistic in order to access their money.
|
| 12/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I submitted a complaint on XX/XX/2023 with the CFPB ( Complaint ID XXXX ). The company has responded to my complaint by refunding only half of the requested funds. I have received the requested reimbursement for one of the unauthorized transactions for {$860.00}. The total reimbursement amount was {$1700.00}, and I have only received half of the funds. However, an additional {$860.00} has not been received yet.
|
| 07/06/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
BMO Harris Bank issued me an auto loan. Once I 'd paid the loan in full and filled out a change of address form on their own website that same day - they still sent the loan to the address from 3 years ago. They told me they would call back in a week if the title had n't been returned and make it right - they never called back - every time I call they make up some excuse and are basically just hoping I go away.
|
| 08/09/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
BMO Harris Bank paid part of my tuition while I was working for them. The contract stated that if I leave the company within three years of tuition assistance, I may be responsible for a portion of the balance. I stayed for almost three years and they charged me the entire balance. When I attempted to negotiate, they sent the debt to a collection agency. Now it 's reporting on my credit as an uncollected debt.
|
| 01/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I opened a platinum money market account XX/XX/2019 in response to a promotional offering from BMO Harris that I would receive a {$100.00} incentive 150 days after account opening. I met the terms of the promotion, which BMO Harris confirmed, but is has been greater than 150 days. I have not received the {$100.00} incentive and BMO Harris has not responded to 2 inquiries from me via my online account portal.
|
| 12/26/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
XX/XX/XXXX : Opened a BMO Harris checking account with the promo code " XXXX '' which included a {$200.00} opening bonus after completion of 2 direct depositions of {$300.00}.
XX/XX/XXXX & XX/XX/XXXX : Direct deposit terms met.
XX/XX/XXXX : Bonus was never received. Contacted BMO customer service via secure message to inquire.
XX/XX/XXXX : Final response from BMO stating they can not escalate the issue.
|
| 03/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
I pay for parking and I thought the parking people were charging me twice but they investigated and showed me that it was only being charged to my account once a day for some reason my bank is charging me twice for a transaction this is not the first time Ive had a problem with BMO charging me for something or sending my money twice Im really getting fed up something needs to be done about this its my money
|
| 03/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XXXX XXXX XXXX XXXX CA {$3.00} XX/XX/2023 This transaction was supposed to be refunded by XXXX as the order was cancelled because the Dasher could not complete it. After it was cancelled, the support agent said my account had a block for refunds.
I want to dispute it but I was on hold for over 30 minutes trying to, and there's no chat/online way to fix it. I'm only disputing it here because it's faster.
|
| 04/13/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
A person pretending to be from the power company said i was overdue and power would be shut off within the hour on XX/XX/2021. Method for quickest transaction possible was a money app provided by my online banking app. Transaction was completed, power remained on, but no credit to my account. My bank wouldn't even file a report due to the XXXX XXXX method of payment they provided access to from their app.
|
| 08/10/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Please refer to my earlier complaint : XXXX on XXXX/XXXX/XXXX. Just now got a letter from BMO harris - they are telling non accurate information. I had sent them the signature card twice - in their provided envelope. How come they are denying that they have n't got it??? That letter from BMO is bunch of lies. there seems to be something really wrong with BMO harris ... please investigate their operations.
|
| 08/27/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened an account with BMO that came with a {$300.00} bonus if certain terms were met. I completed these terms ( as confirmed by company representatives, received 3 dates that the bonus was supposed to post by, and it still has not posted ). I no longer trust what the company representatives say, so this is my best resort. I've basically been lied to at least twice ( bonus will post by xx, it didn't ).
|
| 10/16/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
On XX/XX/2020 I tried to login into my online banking account with BMO Harris. During this process I noticed that the HTTP request to login into the account was not encrypted and my login credentials were passed over the internet in plain text ( not encrypted ). I called BMO Harris and was told that they did not have the capability to encrypt the request. This is 100 % false and a HUGE security breach.
|
| 12/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Older American |
|
XXXX This was the previous complaint THAT SHOULD HAVE NEVER BEEN CLOSED To date, XX/XX/2023 NO FUNDS HAVE BEEN RECEIVED FROM THEM and the one check they did issue they " STOPED PAYMENT " on it causing an additional charge of {$15.00} to me from XXXXXXXX XXXX XXXXXXXX ( my financian institution ). At no time did they inform me that I was not to use that check that they took almost a month to get to me.
|
| 12/02/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
So I got scammed by a company that hired me. They deposited a check into my account that was fraudulent and the fraud department terminated my account even though I was not the one that deposited it. It was deposited on XX/XX/2022 and I do not know the amount because I was unable to see it due to them already locking my account from me. It was seen as a high risk and I could no longer bank with them.
|
| 03/28/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I have held a Diners Club card since 2002. At some point in the past two years, the current franchisee ( BMO Harris ) stopped offering Primary Rental Car Insurance on this card. The bank did not notify me of this material change to my card agreement, despite the fact that I pay a {$130.00} annual fee ( {$95.00} plus {$35.00} additional cardholder fee ). Attempts to contact the bank have been ignored.
|
| 11/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Older American, Servicemember |
|
I report a charge to my account and disputed it then XXXX told me he is closing my accounts because I told them I was filing a police report and speaking legal he then told me that no one in the bank can override him he is the highest person in the bank. When I then as to speak with his manager and about my dispute he hung up on me. I want him to be XXXX and them to reopen my business account asap.
|
| 01/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Was notified through XXXX that a charge in the amount of {$7700.00} for an autoloan was reported and my score dropped XXXX.
I contacted BMO harris Consumer Reporting Department.
They confirmed all payments are up to date and on time. The chargeoff reflects 90 days past due payments. Which I have proof of timely made payments.
Bmo harris said they will do some research and get back in contact.
|
| 12/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I was notified by XXXX XXXX that there was fraud warning on XX/XX/22. I called the same day waited XXXX min on the line, but could not reach customer service. There was no e-mail or any way to reach them, except phone. On XX/XX/22, I spent XXXX hours and did not reach anyone. Today, I spent XXXX min and still unable to resolve the matter. Credit card, upon which I rely for many purchases is XXXX.
|
| 01/19/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I believe my lender BMO Harris has incorrectly added excessive reserves to my escrow account and refuses to refund the excess stating the formula used to determine how much they can maintain over and above the amount required to pay property taxes is correct.
I have contacted the their escrow department regarding this and they stated they are correct and within regulations, I however disagree.
|
| 07/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I worked for 1 company over 8 years. Every check deposited was on hold sometimes for 2 weeks or sometimes for 1 week. Which in turn caused me to overdraft living paycheck to paycheck. I was told several times to call my home branch and even then they gave me a hard time to clear a check from payroll. Which I am now in collections from a delayed deposit which I received multiple overdraft fees.
|
| 03/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
Older American, Servicemember |
|
the bank put and offer of balance transfer between XX/XX/XXXX and XX/XX/XXXX I tuck the offer to make a balance transfer on XX/XX/XXXX of XXXX in the terms of the offer and on the following month of XX/XX/XXXX was charge interes for that month It only shud be XXXX of interes charge no XXXX per cent BMO Harris Bank also the bank never publish when the due date of the balance transfer end
|
| 02/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have been stating that Harris Bank has been reporting the same account under two different account numbers. I only had one account. According to Harris ' XX/XX/2023 reply my account had reached the statute of limitations for reporting and they no longer were reporting XXXX account. The account that is now being reported is not my account. I have raised this issue several times to no avail.
|
| 08/31/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened my account on X/XX/17 with a {$200.00} promotion after making 2 DD > {$300.00} within 90 days. I have met the requirements by XXXX.
I contacted BMO Harris on X/XX/17, which was 140+ days since opening the account, and received a reply the same day stating a bonus would be applied within 10 business days. It has now been 11 business days with no bonus or any further communication.
|
| 07/13/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They have called me 15 times in the last 4 days XX/XX/XXXX : XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX XX/XX/XXXX : XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX XX/XX/XXXX ( at the time of submission, trends dictate there will be at least 1-2 more calls tonight ) : XXXXXXXX XXXX, XXXX XXXX, XXXXXXXX XXXX
|
| 09/30/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
I requested copy of statement showing a cash bonus of {$200.00} being applied towards my balance on my account with BMO Harris Bank. Told them I would not pay bill until I seen statement showing cash bonus was applied.
Blocked me from accessing my account online closed my account and reported delinquency to credit monitoring.
I have a right to copy of statement prior to making payments.
|
| 11/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened without my consent or knowledge
|
|
Web |
|
|
BMO BANK N.A., Account # : XXXX Open Date : XX/XX/2017 Close Date : XXXX closed and reported under my name on XXXX XXXX XXXX This account has been opened under my name without my authorization or permission. I have reached out o the bank and nothing was resolved. I have pure rights and am entitled for my name to be secured without being tampered with. I have no knowledge of this account.
|
| 10/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Ive submitted a complaint already- the complaint number is XXXX you all advised a monetary value and did not address their false reporting or incorrect fees. The bank never added the monetary value nor did they remove the fees. The bank has provided falsified information and incorrect reporting. I want this account removed from my business reporting immediately and I want this escalated!
|
| 12/23/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I think BMO Harris will avoid paying for the XXXX usd stolen from my money market account due to a technicality They require a police report, my local police wont take a report. I have never been able to speak to a human with XXXX police. And they just rejected my case due to a computer glitch BMO MUST either make an exception to the requirement for a police report or file it themselves
|
| 10/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX There are all fraudulent inquiries that I dont not authorize the creditors to run my report
|
| 04/17/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
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.
|
| 12/05/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
Per the credit card act of XXXX, all payments should satisfy the higher interest then the lower interest. I had just under {$490.00} in purchases, made a {$500.00} Payment and was still charged the 27.24 % off the purchases. I also have XXXX promo balance transfer with balance. Per the credit card act, the highest interest balance should be paid first before the lower one is applied.
|
| 11/22/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
BMO Harris Bank offered a {$200.00} bonus for opening a new account. I met the terms of the bonus, but they are refusing to pay, claiming that I live in the wrong state. The offer that they made had no such restriction. I read on the internet that they did add a geographic restriction after I opened the account, but they should not apply the restriction to previously opened accounts.
|
| 01/17/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
Servicemember |
|
I am still having issues opening up a checking account with BMO Harris Bank online and in person. BMO Harris Bank continues to deny me credit, and discriminating against me because of my race, me being XXXX XXXX ( XXXX ). BMO Harris Bank is in violation of the 1974 Equal Credit Opportunity Act ( ECOA ) under federal law. My full name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
|
| 10/02/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
A company called XXXX XXXX has been charging my credit card unauthorized {$19.00} per month for a service that I did not sign up for. This has been going on for 9 months ; the amounts were small, and I do n't often check my account online. The bank would only go back 90 days, so only XXXX of the XXXX charges will be reversed. All of this activity is fraud, and should be reversed.
|
| 06/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from XXXX XXXX dated XXXX XXXX 2017 attempting to collect a {$250.00} debt on behalf of BMO Harris Bank. Not only have I never done business with BMO Harris Bank in my life, but the letter is addressed to my middle name. I have not contacted XXXX XXXX, because this debt collection attempt is fraudulent, and I do not want to them to have my contact information.
|
| 01/23/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
Older American, Servicemember |
|
I attempted to open a checking account with BMO in order to transfer funds into it. I was told that I was not allowed to do to transfer of funds and flatout accused of fraud. I was told that they were retaining my funds n the account. When I informed them they had no legal right to hold my funds and that I was contacting your agency she didn't seem to care and hung up the phone.
|
| 04/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
Older American, Servicemember |
|
I took out a BMO BANK rewards credit card on XXXX XXXX. If I spend {$1000.00} in 90 days I would get back {$200.00}. That was the advertised agreement. I spent {$1200.00} in the 90 days which was up on XX/XX/XXXX. Online it showed I have {$210.00} cash back. I called to find out about getting it back and got bounced around with phone transfers and they will not give me my money.
|
| 11/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I am a victim of ID Theft, I reported it to BMO on XX/XX/15. They told me no accounts were opened but come to find out a savings and checking account were opened. They blocked and closed the savings but left the checking open until I called today. They violated UDAAP, FACTA and FCRA regs by being dishonest. Now I need to have inquiries removed from my credit and XXXX and XXXX.
|
| 08/24/2021 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with renewal
|
|
Web |
|
|
XX/XX/2021 BMO Harris Bank has CD policy that auto-renews the term without providing notice to the customer. The funds are then locked in for another year automatically.
When asked about this they say there is a 10day grace period from the day the CD matures to withdraw your funds without a penalty.
This is essentially restricting access to your funds - without your consent.
|
| 06/04/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I am filing this complaint against BMO Harris Bank.
This bank stopped my debit card and will not send a replacement card and hence I have no access to my money.
I have contacted their customer service numerous times and they will not send me a replacement card nor close my account and send me my money. As a result they are keeing my money and preventing me from accessing it.
|
| 01/09/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I received a letter with my home address included stating a reason why a leasing application was refused from the Credit Company. Someone is using my home address for credit apply. I checked the company soliciting the credit request that was denied and was created last year which I have lived since the previous before that. I believe its a company engaging in Loan Bank Fraud.
|
| 05/23/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
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.
|
| 10/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
This regards BMO bank. On XX/XX/XXXX, I deposited my paycheck via their mobile app. It was flagged as fraud and they froze my account. I had to call in several times with each time being over an hour wait. Ultimately, I was told that the deposit was flagged as fraudulent and that it would take 7 business days to clear up. Today is XX/XX/XXXX and my account is still frozen.
|
| 09/29/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened an account with BMO due to their new promotional offer. I got the account number, transfered money ( {$120.00} ) and registered online. However teh account never showed up online even after multiple weeks and I have no access to the funds. I called them multiple times and they couldnt figure it out.
Now I don't even have online access and cant even register.
|
| 08/05/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
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}.
|
| 09/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
As I viewed my credit report I noticed some inaccurate reportings on it from the creditor. This inaccurate information is hurting my payment history and in turn bringing my credit score down and blocking me from providing the financial freedom my family deserves.I emailed the creditor and asked for a payment history and for this to me resolved but i got no response.
|
| 05/30/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
- Problem with customer service
|
|
Web |
|
|
I went to bmo bank downtown XXXX and they were mean and rude and them plus the security told me to leave. I had a copy of my birth certificate and social secuirty card and the manager and her workers told me that they won't cash my check or give me an account. They said that I have to do it myself and to stop being homeless and get a job, they just were very mean.
|
| 11/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American, Servicemember |
|
I had XXXX deposited in my accounts on XXXX and as of XXXXXXXX XXXX on XXXX money was there and XXXX XXXX it was gone and someone at BMO took the money. They have been giving me all kinds of run around and excuses today of what ever and it seen a manage is never avabile. I want to file felony charges on BMO but am willing to see if you can help with the matter.
|
| 12/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
Servicemember |
|
Checking account closed on XX/XX/2020. Everything associated with the account had a XXXX balance. BMO Harris bank has kept issuing checks on this closed account for the remainder of XXXX and all of XXXX. Bad check fees were charged to those who they issued those checks to. I have spoken with BMO Harris however they continue to issue checks on this closed account.
|
| 10/22/2020 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I opened a 12 month CD with BMO Harris bank. the account was open online. no phone calls were made. no visit to bank. the funds were online transfered within seconds from XX/XX/XXXXto bmo harris bank. now the cd is mutured and they say i have to visit the branch in florida because they dont have a branch in new york. they say funds can not be transfered online.
|
| 03/16/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
1.Please see pay off amount attach to Harris bank XXXX as per bank letter payoff amount {$41000.00} 2. See attach XXXX XXXX XXXX 3. Harris Bank letter to XXXX no delinquent payments what about other XXXX credit reporting agency XXXX admitted to me some one keep changing auto loan information and she also told me car in XXXX I did not work with her my wife did.
|
| 09/12/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Web |
Older American |
|
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?
|
| 01/12/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I wrote a check on XX/XX/XXXX that was stolen. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX my local branch sent out a notarized Affidavit of Forged or Altered Checks, each filled out slightly differently. I don't know the details, but apparently they were denied. I went back to the branch yesterday, XX/XX/XXXX, and was told that it takes ten days to process.
|
| 07/17/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
On XX/XX/2019, I opened a BMO Harris Premier Checking Account that had the following promotional advertisement : " Earn a {$500.00} bonus with initial deposit of {$25000.00} new money and qualifying direct deposits '' I have met the requirements and the deadline for the advertised promotional bonus has passed and my account still has not been credited.
|
| 01/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My issue is with XXXX XXXX Credit Card. I have been using this card for 20 years and never missed a payment. I was victim of identity theft and someone made $ XXXX in charges. I let the charge company know right away, sent police report and they are dragging there feet in removing it. I need help know.
XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX, NY XXXX
|
| 01/03/2024 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
Older American |
|
I received a statement from BMO for an account I did not open. I immediately called them ( XX/XX/XXXX ) and asked them to closed the account. They assured me all accounts would be closed. On XX/XX/2024, I received another statement. I called again and they would not tell me if the account was open or closed or any other information about the account.
|
| 10/13/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I initiated a wire transfer of funds from my Bank of the West/BMO account to my XXXX account 2+ weeks ago. After inquiring about the status oft the transfer yesterday ( XXXXXXXX ) I was told that the transfer had not yet been made. So BMO is not fulfilling its obligation to make a simple wire transfer. This is unacceptable. Please help.
Thank you.
|
| 10/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I opened BMO harris - relationship checking account with promotion. If one has a direct deposit of {$7500.00} or more in first 90 days - they will get cash back bonus.
Account opening - online process is broken so it got opened via phone. Promo code was applied.
When i inquired - why i haven't got my {$500.00} cash back bonus there is no response.
|
| 05/19/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
Servicemember |
|
I was going to buy a car at XXXX XXXX XXXX XXXX XXXX Wisconsin. The finance manager told me there should be no problems and I would be approved for a loan. I told him if he encountered any problems to contact me by phone or email right away. Well he never contacted me, and instead ran my credit XXXX times. I did not approve of this.
|
| 04/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
Older American |
|
I have accounts in bank of the west and this bank accidentaly, or purposely change the amount that i wrote on check {$20.00} to {$200.00} and right away franchise tax board sweeped my accounts that falsely credited by bank, and after that bank got there was a mistake happened, overdrown my account, and dont accept responsibility of their mistake.
|
| 12/26/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
Signed up for BMO Harris checking account on XXXX/XXXX/16 with {$200.00} signup bonus. I 've met the terms of the bonus and have contacted BMO with the promocode ( XXXX ) I had used to signup for the account. Another month has passed with no resolution. It has been over 120 days now since I opened the account. I 'd like to bring this to closure.
|
| 02/10/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I reset my online account password for security purposes. Immediately the site asked me to verify my identity. After several attempts, I called BMO Harris Customer Service Technical Support. They sais " their system is down '' as an explaination, and then hung up the phone. I couldnt help thinking there was internal criminal activity going on.
|
| 12/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
2 months ago I was scammed XXXX by using the post office driven web site to change address. The US post office knew about the hack on their site but said they couldnt fix it. BMO bank reimbursed me for the scam and then took the money back 2 months later. My complaint is with the post office and BMO bank for not taking care of their consumers
|
| 04/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
XXXX charged my checking account {$15.00} on or before XX/XX/14. The funds are removed from my balance. I did not authorize this charge. I have called multiple times to report it as fraud but BMO refuses to do anything because it is still " pending ''. However, I had a transfer fail due to unavailable funds as a result of this pending charge.
|
| 07/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I recognized that XXXX XXXX submitted 16 unauthorized inquiries on my credit report on XX/XX/2018.
BMO Harris was one of the companies that was solicited.
I contacted XXXX XXXX and spoke with XXXX, who identified himself as the Manager.
He refused to help.
It is very unfair that they did that. It lowered my credit score by 200 points.
|
| 02/06/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
XX/XX/2020 - My online credit report ( s ) have been reported as delinquent with the various credit bureaus. I spoke over the phone with a BMO harris rep who says I have $ 260+ in delinquent fees, of which I was not aware of.
XX/XX/2020 - Called BMO harris and verified that I only had {$1.00} left as principal via the person I spoke to.
|
| 05/13/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened an account with a coupon that I would receive a promotional credit upon meeting requirements. I met the requirements ( the bank confirmed this ), but the banker did n't add the promo code despite assuring me that they did, so I did n't receive the promotion. When I called their toll-free number, they would n't resolve the issue.
|
| 10/10/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
Made the last payment on 15 year loan in XX/XX/2016. Was informed by bank that I had a balance of {$98000.00}. I applied for loan to buy some time and was turned down because of low income and low credit score. The 15 year loan was paid monthly without missing a payment. {$950.00} a month for 15 years. Total amount paid was {$170000.00}.
|
| 09/28/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
Bank of West. Routing. # XXXX account. XXXX My email was highjacked and bank info changed to above. I called Bank of West They said if company name intended to receive money did not match recipient account, wire would be returned. Later XXXX ( my bank ) formally asked for return of wire. Bank of West said recipient refused. Closed case!
|
| 10/09/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a checking and savings account on XX/XX/19 with a promo that totaled {$500.00} for meeting some terms which included switching my direct deposit and having a minimum of {$10000.00} in the account. I have met all of the requirements and have not seen the bonus. I have reached out to BMO but only received back a generic response.
|
| 07/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
The company says I owe them {$760.00}, when I had no knowledge of the amount, I opened this account Right after my incarceration someone stole my wallet and personal information and when I was released I found out, never heard nothing back, this been on my background far to long please let me know and help me with this matter thank you
|
| 07/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
The company says I owe them {$760.00}, when I had no knowledge of the amount, I opened this account Right after my incarceration someone stole my wallet and personal information and when I was released I found out, never heard nothing back, this been on my background far to long please let me know and help me with this matter thank you
|
| 05/11/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
BMO Harris promised a {$200.00} new checking account bonus in exchange for a few requirements. They were all fulfilled, including receiving direct deposits from my employer 's brokerage account. The deposits required, at the time, were of {$300.00}, the ones I received were above {$500.00}. Nevertheless, I have received no bonus, yet.
|
| 09/21/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Confusing or missing disclosures
|
|
Web |
|
|
On XX/XX/XXXX I transferred {$16000.00} to my business account. I have deposited larger amounts before but this time they put a hold on it until XX/XX/XXXX. I need the money to buy a car. My car is no longer working. They will not release the funds to help me, eventhough the money has already been removed from the other account.
|
| 04/14/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
BMO Harris advertises that " Open a BMO Harris checking account ( BMO Harris Select Checking and BMO Harris Portfolio Checking ) and receive a bonus of {$200.00} when you set up a qualifying recurring direct deposit of at least {$300.00}. '' I have completed the requirement many months ago and they have refused to pay the bonus.
|
| 11/06/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
DEPOSITED TWO CHECKS FROM MY BROTHER WITH THE BMO APP ON XX/XX/XXXX XXXX CHECK FOR {$65000.00} AND THE SECOND FOR {$75000.00} THE FUNDS WERE TO BE USED FOR BUSINESS PURCHASE, OPERATIONS, AND INVESTMENTS BMO CLEARED THE CHECKS AND FROZE THE ACCOUNT WITHOUT NOTIFICATION, AND HAVE NOT GIVEN A DATE THAT THE FUNDS WILL BE AVAILABLE.
|
| 10/13/2016 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
|
|
I got this Credit card while I was an employee at BMO Harris. During the time that my father passed, I missed a payment and it has been on my credit ever since. It is the only late payment that I have had since I 've had this card and it is affecting my credit score. I have been calling to find a resolution to this situation.
|
| 03/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I opened Bank of the West checking account online XX/XX/. I decided to close unfunded BECAUSE teller couldn't locate account to deposit funds, leading me to suspect data mishandling, but no reps available in branch to close account, to which phone rep threatened monthly fees. So my account only exists to charge monthly fees.
|
| 01/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
bmo harriss bank has refused to open a a account on the endless attemps my whole life and i am a XXXX XXXX XXXX senior now TREATED DIFFERENT IN AMERICA WHY WHY WHY WE THE PEOPLE OF THE UNITED STATES OF AMERICA WHICH I AM ONE A AMERICIAN BORN CITIZEN? IS A CREDIT SCORE GREATER THAN THE US CONSTITION OR IS A BUSSINESS GREATER
|
| 06/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In XX/XX/XXXX, we filed a complaint against BMO Harris Bank because they were reporting incorrect information on our credit report. They responded to our complaint on XX/XX/XXXX, stating they were going to fix the situation. As of today ( XX/XX/XXXX ), they are still reporting the inaccurate information on our credit file.
|
| 01/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I did not authorize these five companies to pull inquiries on my credit history.
I dont even use these companies.
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX BMO Harris Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The only banks I bank with are XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX.
|
| 11/20/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a new BMO Harris account on XX/XX/XXXX using a promotion to receive a {$200.00} bonus after making at least 2 direct deposits of {$300.00}.
I had payroll deposits from my employer ( XXXX XXXX ) three times for {$500.00} each.
After waiting the 120 days required, I never received the promotional sign up bonus.
|
| 08/16/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Bmo Harris advertised a XXXX bonus if I opened an online account and set up a direct deposit. I met those terms on my account that was opened on XXXX XXXX, 2017. I never received the {$200.00}. When I called an associate who only identified herself as XXXX said I did n't meet the terms and there is nothing she could do.
|
| 05/26/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
BMO Harris Bank promises 24 hour phone customer representation. They are committing false advertising. Due to Covid their excuse is Covid that they only have anyone available on the phone 12 hours a day. Theres no reason they couldnt just have people work from home. Cove it is just an excuse to cheap out on human staff
|
| 10/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I notice that my credit report was ran without my consent on XXXX by XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have been a victim of Identity theft and I been trying to reach out to the creditor to have this inquiry removed along with the other inquiries that were placed on my credit report.
|
| 01/27/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
apply for XXXX loan {$90000.00} all paper submit their was and that appraisal by their peoples and it was appraise at the {$90000.00} so I through the loan was going thru but later it was denied because they did another appraisal it was a XXXX finance by XXXX the loan did not change so why another appraisal.
file XXXX
|
| 03/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have inquiries that I do not recognize on my XXXX credit report!
These inquiries are for : XXXX XXXX, XXXX XXXX, and BMO Harris bank. They were all made on the same day, which was XX/XX/2020.
I contacted XXXX and provided all necessary information to prove it wasn't me -- but they did not remove the inquiries!
|
| 04/21/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
In XXXX XXXX , I opened a bank account with BMO Harris Bank in which I would earn a {$300.00} bonus after completing XXXX direct deposits. My XXXX direct deposit was completed on XXXX XXXX , XXXX . It is more than 100 days since completing the requirement and I still have not received my {$300.00} bonus.
|
| 12/28/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I applied for a new CD account on-line. It was declined, and I was told there would be an email with an explanation. The email had no explanation. I called customer service, and was not given an explanation, either. I was told there was simply no way to open an account, and no way that I could find out the reason.
|
| 12/14/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
BMO Harris bank sent an offer to my house ... open an account with {$10000.00} for 90 days and receive {$200.00} bonus. I opened an account in XXXX. I went to cash out the acct a little over 90 days later and was told payment would be made 120 days after opening the account. I think 90 days MEANS 90 days NOT 120.
|
| 09/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I opened credit card account with BMO Harris bank in beginning of XX/XX/2022. XX/XX/XXXX, this year {$99.00} were returned back to my card as returned merchandise.
But this company stole my money, they not reflected in any statements, neither current balance. ( Today is XXXX ) Help me get back my money please.
|
| 01/04/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
On XX/XX/2023 BMO closed my account due to them not being able to verify my address.It caused me pain and suffering.Its causing me issues with me being able to open up additional accounts.They frozed my account and also disbursed me what was left over but took 3 months.They had no reason to close my accounts.
|
| 03/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I called on XX/XX/28 at XXXX AM. The company refused to close my account and stated that, " we can close XXXX account but not all accounts. " State law requires the bank to close my account within a reasonable amount of time after making the request. I'm not sure why they think this law doesn't apply to them.
|
| 12/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Around XX/XX/23 I notified BMO that my daughter 's charges were being debited form my account. The disputed amounts ( sent to BMO ) totaled a few XXXX dollars. I contacted several people but the problem is not fixed.
It was further complicated by some unrelated problems with a business credit card at BMO.
|
| 07/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.
The account name is BMOHARRISBK balance {$1100.00} account # XXXX 30 days late on XX/XX/2022, and XXXXXXXX XXXX.
|
| 03/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
Multiple fraudulent transactions on my BMO HARRIS CREDIT CARD.
Ive called twice to try and file a fraud claim on these transactions and they keep giving me the runaround, there are over 24 transactions that have been charged to my card FRAUDULENTLY.
Id like to open a fraud claim on these transactions.
|
| 09/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
When I open ( beginning of XXXX, this year ) credit card with this company, they promised to pay me {$200.00} cash back bonus if I spend {$2000.00} within first 3 months. I reached this in the beginning of XXXX, but still don't have advertised money. ( See screen shot ).
Please help me to get my money.
|
| 12/07/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Every week I have a issue with on line or my atm I am feeling targeted this is my third ATM card and every time I try to check my accounts on line to stay on top of things there is limited access or I have to call in or go in to see some one. What is the point of the on line services if they never work.
|
| 03/31/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
BMO Harris Bank XXXX, WI XXXX reported {$4.00} late payment on my credit causing it to drop 100 points. BMO Harris was contacted via phone on XX/XX/2017 and could not give a detail of where this information came form. I was transferred to a Dispute department and they sent me a dispute form to fill out.
|
| 09/28/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
there are three charges on my statement that were voided bc i paid cash for the transaction there refusing to take my dispute there following XXXX law not american law in violation of the FCBA please help these charges are almost XXXX charges are XX/XX/05 XXXX XXXX XX/XX/05 XXXX XXXX XX/XX/05 XXXX XXXX
|
| 10/06/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
I called BMO Harris Bank customer service at the beginning of this month. No matter which option I dialed the hold que was supposed to be one and half hours. However I was on hold for around two hours until finally someone took my call. It was a very simple request to stop a pending payment for a bill.
|
| 01/03/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I simply requested statements from the loan servicer, BMO Bank. They refused to provide statements, saying that they are not required to provide statements by mail, or electronically. I can not give my information to my accountant because the loaning bank refuses to give me statements on my account.
|
| 10/06/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened without my consent or knowledge
|
|
Web |
|
|
BMO platinum credit card claims I have a balance of {$2.00} but I never received this card or signed up to open this card. When I call the XXXX XXXX number that came on the statement they mailed to me. Theres a weird dial tone with lots of In-N-Out like its out of country. The XXXX number was XXXX.
|
| 11/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
It is a credit card through my bank. THey lost several deposits which took over a month to research and post. in the mean time they are increasing late and over the limit fees as a result.
MY complaint is that I have spoken to them and they call me daily sometimes twice.
THis seems like abuse.
|
| 11/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I'm a Bank of the west credit card customer. Which is now took over by BMO and I did have some balance on my credit card issues by Bank of the West with automatic payment. Which was stop on XX/XX/2023 due to BMO integration/technical issues.
Now BMO is negatively reporting on my credit report.
|
| 05/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
Had a dispute with the bank, the account was due to be closed. Long story short they ended up denying the dispute and closing the account with a negative report on my chexsystems statement. When I called in to speak with someone a very rude woman was refusing to even hear my side of the story.
|
| 06/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have a late pay i need to get removed. I never received a bill and didn't know I had anything due at the time. Its my only blemish on this account and not my fault since there was no bill received. Please help me get it removed. I've disputed the account with the bureaus but had no success.
|
| 06/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
On XX/XX/23 this bank refused to close account with XXXX balance ending in XXXX because they conflated my data with previous closed account ending in XXXX, resulting in freezing account. This is an fraudulent attempt to blackmail me into funding a closed account to avoid future monthly fees.
|
| 05/11/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Money order
|
- Lost or stolen money order
|
|
Web |
Older American |
|
I contacted my bank over a year ago XXXX, they have tried to reach out to BMO. BMO has not responded to XXXX. XXXX has asked that I reach out to BMO, which I have.
My money order was stolen and cashed on XX/XX/2021 for the amount of {$290.00}, claims have been filed, but not responded to.
|
| 05/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
To whom this may concern, From XXXX XXXX XX/XX/2021 I had numerous unauthorized & unrecognized inquires. I am requesting these items be deleted to correct the information. Please investigate this matter and delete the disputed items as soon as possible.
Sincerely, XXXX XXXX XXXX XXXX XXXX
|
| 09/27/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
In its response to a complaint submitted through the CFPB ( XXXX ), BMO stated that it had conducted a " careful '' and " thorough '' review of my account and determined that I was " qualified to receive the bonus of {$XXXX} ''. However, only {$XXXX} was deposited to my account by the bank.
|
| 07/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I was charged XXXX dollars for using a non-Bank of the XXXX ATM ( on XX/XX/2023 ), after I just tried using the Bank of the West ATM but it was out of service. It is the only bank ATM in town. I should not be charged for using a non-branch ATM when their only ATM in town is out of service.
|
| 02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I currently have XXXX hard inquiries on my credit report that I did not authorize. I have filed a complaint with the FTC in regards to identity theft in the past. The XXXX unrecognizable inquires are from : XXXX XX/XX/22 Capital XXXX XX/XX/22 XXXX XX/XX/22 BMO XX/XX/22 XXXX XXXX XX/XX/22
|
| 03/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I can not setup automated payments for my XXXX issued by BMO harris. This is some serious Information technology error where very poor quality and cheap XXXX XXXX workers might be hired for IT operations. Reported this matter to BMO harris via secured mail. Wait time on phone is so long.
|
| 06/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Someone tried to an open account on XX/XX/2022 and XX/XX/2022 with my personal information and it wasnt me. It was identity theft and fraud. Ive contacted the credit bureaus, and I put a freeze on my credit. Ive also contacted identifytheft.gov. My next step is to get a police report.
|
| 12/23/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I can not get past automated menus at BMO Harris Bank @ XXXX XXXX XXXX XXXX in XXXX where the fraudulent {$5000.00} usd withdrawal took place On XXXX XXXX Dont know if they could help me, still working to get this fixed. But I know they cant help me if I cant get a human on the phone
|
| 09/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On my report the companies that I didnt apply or doing business with are showing.
These are 4 reports on my account and Ive never applied their services or doing business with them. Please remove these from my report.
XXXX XXXX XXXX BMO bank NA XXXX XXXX XXXX XXXX XXXX XXXX
|
| 12/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
BMO took over an account from Bank of the West for a RV loan. They reported missed payments to the credit bureaus. They reported a new loan rather than a transfer. Both are inaccurate information and affected the credit score. I have proof that all payments were made on time.
|
| 04/17/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
Someone opened an out of state account in our names and sold our property. The perpetrator is waiting to receive the proceeds from escrow. We were contacted by the escrow company when they decided to double check for fraud. We confirmed this was fraud and not to close escrow.
|
| 01/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Hi, Therer was a recent inquiry on my Credit reports inquiring about auto loans from the following companies : - 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. BMO Harris This was very disturbing as I am not aware of any of these enquiries.
|
| 09/22/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a checking account with {$1000.00} as initial deposit on XX/XX/XXXX and made three direct deposits by XX/XX/XXXX. The bank had advertised that if I made two direct deposits it will credit my account {$200.00}. The bank has not yet deposited the amount to my account.
|
| 07/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I file bankruptcy in XX/XX/2021 and it was discharged in XX/XX/2021. BMO Harris Bank continues to report to XXXX that I am deliquent on the loan and repo. This lender was placed in my bankruptcy and should not be being reported at all. It has caused me to be denied a loan.
|
| 02/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I am receiving statements from BMO Harris bank.
The account is under my business name XXXX XXXX XXXX and is being delivered to my home address.
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Fl. XXXX I have called to request they cancel this.
I have never authorized this account.
|
| 03/22/2016 |
Yes |
- Prepaid card
- Gift or merchant card
|
|
|
Web |
|
|
On XXXX XXXX XXXX I received a BMO Harris Gift card. There was XXXX dollars on the card. Beginning XXXX XXXX, XXXX, BMO Harris began to reduce the balance by XXXX dollars a month. At this point I had XXXX dollars left on the card. I would like to get my XXXX dollars back.
|
| 09/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I tried to open BMO Relationship Checking account online. Provided all the information and applied the promotion code but still the application was rejected for no specific reason. I am a US Citizen and living in this country since XXXX with credit score of around XXXX
|
| 03/10/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
Servicemember |
|
My bank ( BMO Harris Bank ) charges {$2.00} per month to U.S. Mail a monthly statement. They do not charge for online statements.
I have monthly direct deposit of Social Security and Retirement checks. Is it legal for a Bank to charge you for monthly statement by mail?
|
| 02/26/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I have not been able to close my account. I sent an email and was told to call the 800 number. I called the 800 number and the person told me the account was closed two weeks ago. Then I received documentation in the mail that the bank said I had to fill out. I sent it.
|
| 04/28/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
I was put in XXXX XXXX buy XXXX XXXX bank for XXXX XX/XX/XXXX its impossible I live had a fraud alert on my credit since XXXX of XXXX to call me when anything is open in my name I would like this removed I owe nothing to XXXX XXXX my consumer Id with XXXX XXXX is XXXX
|
| 12/13/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
Card was locked, thus no transactions should have posted. $ XXXX in charges occurred. I said the card was blocked and thus their error.
They are saying they were recurring but are not. This means their way of locking a card is to close it. There are no disclosures.
|
| 09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
Bmo harris bank closed my account without investigating properly and put me on a XXXX XXXX credit report and now it's affecting me opening a account else where When bmo harris bank failed to respond to my issue and never answered my questions and falsely accused me
|
| 12/21/2015 |
Yes |
- Money transfers
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
Transfer was pending at recipient bank for over 5 days at BMO Harris at XXXX XXXX XXXX in XXXX IL. Branch manager was on vacation and transfer department ignored my ACH deposit for {$30000.00}. This made me scared the transfer was lost, and angry that I was ignored.
|
| 08/17/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Bounced checks or returned payments
|
|
Web |
|
|
On XX/XX/XXXX my checking account was overdrawn by XXXX after a utility payment posted. The XXXX overdraft occurred because of a gratuity on a restaurant bill. Charging a {$36.00} fee and returning a {$630.00} utility payment all for the lack of XXXX is disgusting.
|
| 12/01/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
The bank continues to ignore my requests to access my loan and make timely payments. They will not call or email me back although I have requested it several times. I need to be able to access my loan information and make payments before late fees are accumulated.
|
| 03/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Received an unauthorized debit of XXXX on XX/XX/23. I called to dispute charge, spent 45 minutes trying to verify my ID, even though I answered their questions they still couldn't do it and told me to go into a branch even though I am XXXX and can not get around.
|
| 10/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I opened an account with BMO. Paid all my bills early. They added payments only to certain months and then reported it 60 days late and when I sent a form and they admitted it was paid early, then reported it 30 days late.
Please help us get this corrected.
|
| 09/27/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I have XXXX checking account with BMO harris ending in XXXX. Also have master card ending in XXXX.
I asked BMO to have my balance transferred to my checking account and close the checking account and send me the check for remaining balance. Nothing happened.
|
| 03/29/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I was recently in a car accident the other driver didnt have insurance she decided to write out a check for XXXX BMO put a hold on my account due to the check I tried reaching out to the other driver no response Im not able to open no type of checking account
|
| 12/21/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I am on hold with BMO Harris trying to take care of Id theft. Yet again call already over 20 min everything with this bank is harder and slower than need be absolutely all the time NOT 2 min ago they froze my money market for no reason while I filled this out
|
| 12/09/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
In XXXX or XXXX of 2023, BMO reduced my credit line from {$10000.00} to {$2000.00} without providing any kind of notice or reason. As a result, I would like to close my BMO credit card account and BMO checking accounts, but so far have been unable to do so.
|
| 05/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
|
|
I went to get a car from XXXX and ran my credit a total of XXXX times, I have them {$2000.00} in cash as a down payment. XXXX days later I had to bring the car back because the lender that agreed to do the loan reverse their decision and turn down the loan.
|
| 06/16/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
Servicemember |
|
Since XX/XX/2021 I have been trying to close my IRA account and they keep saying they will close my account and send me a packet to fill out and they havent. It has been a month now and they wont release my money or send me my packet. Please help thank you.
|
| 06/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
Bank of west shoes delinquent of $ XXXX from 2019 on credit report jointly with wife XXXX . Per Bank of West they have no accounts open or delinquent in my name or social number. Wife has never had a account with them. This is Fraud especially on my wife!
|
| 08/03/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Older American |
|
They failed to honor the {$5.00} reward for every each month I deposit {$200.00} into my saving now they owe me {$10.00},,,, This is the false advertisement.I opened this account online, I passed all the verification and credit check procedures and passed
|
| 10/23/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Bounced checks or returned payments
|
|
Web |
|
|
The bank charge me an NSF fee then returned the transaction after saying they paid it. when I contacted the bank they told me that it wasn't their problem and returned a portion of the fee telling me that I should try to be more cautious of how I Bank.
|
| 01/01/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I met the promotional terms for the sign on bonus for the XXXX XXXX card. I met the spend threshold in the time allotted. The promotional sign on bonus points remain in pending status and no one is able to tell me when they will be available for use.
|
| 12/19/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
XXXX stolen via fraudulent withdrawal out of state at a BMO Harris branch. BMO demanding I file police report. May not be able to. My local police ( XXXX police ) at first helpful then refusing to take report. May be out XXXX usd due to a technicality
|
| 07/22/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
HELOC was erroneously written off by XXXX XXXX in the middle of a refinance in 2017. Since then, I have been attempting to rectify this situation, including restoring my credit that they have ruined. Please see attached description and documentation.
|
| 09/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
BMO purchase Bank of the West but is not supporting account holders in getting this document. It is not available on client portal site. Nobody on phone seems to know how to get it to me. I've spent hours on the phone for this very simple request.
|
| 08/09/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
-Between XX/XX/2020 and XX/XX/2020, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Bank of the West account to fraudulent investment firm ( s ).
|
| 07/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Yesterday after 4 months XXXX issued a refund. And now it is gone cause my account to appear negative it should be over by almost {$40.00} last night I made deposits. This frequently happens with this bank to collect over draft fees of {$36.00}.
|
| 09/08/2016 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
My loan was transferred or sold to another mortgage company and it shows on my credit as a collection account, paid status not reported by all bureaus. Due to this my credit score is lower and I received a higher interest rate when I refinanced.
|
| 06/09/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
Bank Of West falsely accuse me of opening a checking account over the Internet during the time of employment. I contact the department that that was not me but I believe my manager disapproved of my work and decided to put me in check systems.
|
| 01/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
Older American |
|
the delay in recording the trustees sale is a manipulation of how their items is reporting to the credit bureaus and is a violation of the FTCs Fair Credit Reporting Act guidelines as this is not reporting to your credit fairly or accurately.
|
| 11/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
BMO Harris Bank pulled my credit report without my authorization and caused me to have a credit inquiry on my XXXX XXXX credit report. The credit inquiry is fraudulent and unauthorized. I never applied for an auto loan with BMO Harris Bank.
|
| 03/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
I already submittted complaint ( XXXX to CFPB and the company said they closed my account and ( I was paid in full ) I received letter form them indicating my account my still open and had a balance. I called them and they were not helpful
|
| 12/31/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/2019 Bmo Harris Bank allowed for an individual to go into a XXXX branch and make two with drawls for the amount of {$7200.00} total using my name birthdate and Social Security number that I did not authorize and was not there for
|
| 08/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I closed my XXXX XXXX account on XX/XX/2023. My XXXX XXXX report shows incorrect information for items that were returned. The amounts that were returned were trial deposits from an external bank. There are other inaccuracies as well
|
| 12/26/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
{$5000.00} stolen from money market account in branch in XXXX. XXXX Pd dosnt have time for this. BMO needs to make exception, and let me sign affidavit. I know this is just to make sure Ill go to jail if lying.
Complained before
|
| 01/24/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
We canceled an extended warranty on an RV loan we have with BMO Harris Bank. The dealer sent BMO the check for {$3900.00}. The check was cashed but never applied to our account. After XXXX attempts they can not find the payment.
|
| 02/04/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Called to make an internal transfer & was told transfer happened. When I checked balance on atm next day learned {$590.00} transfer never happened. Was told had happened & am on my second phone call to get fixed as I write this.
|
| 03/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I filed a complaint. XXXX ; Richard Owens Vs Bank of the West. on XX/XX/2023, the Bank of the West now BMO retaliated and closed my business account. This was done because of my race and retaliation for me filing a complaint.
|
| 09/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have a credit inquiry from BMO Harris Bank on XX/XX/2018 that I did not authorize. I contacted them to try and get it removed but they are not willing to remove it. It is hurting my credit score and and I need it removed.
|
| 11/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I have been trying to close my checking account since XX/XX/2023. I have messaged twice and was told it had to be done by call. I have called XXXX times and was told it would be closed. Yet here we are and its still open.
|
| 12/31/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
I receive my statement from BMO Platinum credit card and the statement never shows when my promotional balance ends to avoid the high interest rate charges. Should that be on each statement like it is for my other cards?
|
| 01/07/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Lost my debit card Also need to make @ least 2 internal transfers and been on the phone over 30 min & no closer to anything being accomplished Pretty sure I even missed a call from the police while they were XXXX around
|
| 10/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
BMO Harris NA reported to XXXX on XX/XX/2023, a hard inquiry on my credit report that I did not give written authorization. I have no active account with BMO Harris NA on XX/XX/2023 therefore inquiry should be removed.
|
| 05/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
XXXX I paid BMO Harris past due balance on XX/XX/2022 and XX/XX/2022.
They keep leaving it as {$390.00} written off and not updating my payment history.
I paid that written off balance.
I have disputed 2x already
|
| 12/27/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
BMO says they have " no record '' of an checking account ending in XXXX. I am simply trying to close this checking accout which is in my name. They are unable to see the account on their end but I can see it on my end.
|
| 12/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I open my business account with BMO bank, and I deposited a business check back to XX/XX/XXXX and they freeze my account from XX/XX/XXXX and that ruin my business I cant pay my suppliers. I cant access to my money
|
| 07/31/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
Somebody opened a checking acccount with this Bank BMO Harris Bank at.
XXXX XXXX. XXXX XXXX XXXX XXXX, Illinois XXXX. I never open account with this bank. already call the bank to close the account number isXXXX
|
| 05/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
on XX/XX/2021 my credit report was released to 3 different companies without my written consent and are reporting as a hard inquiry on my credit report.
companies include : Bank of the West XXXX XXXX XXXX XXXX
|
| 03/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
There is fraudulent information on my XXXX XXXX Credit Report. The following inquiries occurred without my approval or consent : BMO Harris- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 11/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I checked my credit report and I was denied credit limit increase on my XXXX card because of too many inquiries from XXXX XXXXXXXX and BMO harris bank and I have duplicate inquiries from XXXX XXXX and XXXX XXXX
|
| 11/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Business Checking Account BMO Business Checking Business Name : XXXX XXXX XXXX XXXX XXXX Nature of Complaint : Account Closure Handling, Customer Service I have attached my full complaint herewith.
Thank you
|
| 10/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have five unauthorized hard inquiries on my credit report. I tried calling the companies directly who told me to call XXXX which directed me here. The dates are all from XX/XX/2020. Please help me proceed.
|
| 05/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
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.
|
| 09/20/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
The account was initially opened with another bank which was purchased by BMO. I did not authorize BMO to keep this account open when they did. So I request the fee be cancelled and my account be closed.
|
| 10/19/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
This loan has been closed for several years yet it is still showing up on my credit report as a liability. I 've called the bank and even stopped into a local branch and they have no record of this loan.
|
| 11/30/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Web |
|
|
I have a duplicate charge from a XXXX for {$25.00} on XXXX/XXXX/16 and have tried to get it resolved with BMO Harris and the XXXX. Neither one is helping me and I do n't know how to get my money back!
|
| 03/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
BMO HARRIS {$6800.00} WAS ADDED TO MY CREDIT REPORT. I WAS A VICTUM OF IDENITY THEFT AND HAD NO KNOWLEDGE OF THIS ACCONTS. I SEND IN A FTC REPORT 60 DAYS AGO AND STILL NO RESPONSE FROM XXXX XXXX XXXX
|
| 03/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
Bank of the West ... incorrect display credit history ... .late payments, non accurate, dates and circunstances... ..they provoke " late payments '' to collect " garbage '' fees ... .Please help me
|
| 01/22/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am not liable for this debt with bmo Harris bank and don't have a contract with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX They did not provide me with the original application like I asked. Acct # XXXX
|
| 02/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Sold property at XXXX XXXX XXXX XXXX # XXXX XXXX AZ on XX/XX/XXXX. We have called the bank 5 times trying to get a refund of our escrow account as of today XX/XX/XXXX still no refund. From BMO bank
|
| 04/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Money stolen from my account without my knowledge or authorization. So far XXXX, and XXXX dollar unrecovered. The return statement by bank of the west is a joke and completely ignore my complaint.
|
| 03/30/2016 |
Yes |
|
|
|
Web |
Older American |
|
A inappropriate fee was charged to my account, along with an associated inappropriate interest charge. The credit card company has not responded to, or acknowledged, my dispute of these charges.
|
| 10/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I am unable to utilize my BMO Harris Account with my initials as my signature and with two forms of ID thus I was not able to close my account.
I would like to make sure my account is closed.
|
| 07/14/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
- Money was not available when promised
|
|
Web |
|
|
I have been using the app XXXX XXXX. There is consistently a issue with the app not getting updated information from BMO Harris bank about my transactions and balance as well as direct deposit.
|
| 09/26/2016 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Disregard the above paragraph, none of your choices fit. We sold our home on XXXX/XXXX/2016, and BMO was paid off by the closing agency.
the problem is we have not received our escrow balance.
|
| 07/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
Prior complaint ID XXXX.
Issue is not resolved as stated by BMO Harris bank. I still do not have the ability to set up external transfers on the account as state in the company 's response.
|
| 03/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Harris bank account been payment make in full On credit bureaus XXXX XXXX XXXX show balance been pay in full and show lates payment was never late need removed from all three credit bureaus
|
| 11/16/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
THIS BANK HAS {$1000.00} OF MY FUNDS AND WO N'T SEND IT TO ME. ANYTIME I SEND INA COMPLAINT YOU GUYS TELL ME THEY SAY I MAY BE A VICTIM OF FRAUD WHICH IS NOT TRUE. SEND ME MY {$1000.00} NOW.
|
| 09/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I have been completely unable to use my account, withdraw funds or use my debit card. Ive reached out to my bank with no solution or assistance from them. I can not access or use my money
|
| 09/27/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I have BMO XXXX XXXX checking account. I already asked BMO to close that account but BMO didnt ' closed it. Instead they charged some maintenance fees to get the account into negative.
|
| 10/13/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
bmo harris trust dept failed to close all accounts in XXXX XXXX XXXX and XXXX XXXX and forward proceeds to executors, XXXX XXXX XXXX and XXXX XXXX XXXX, executors in fact. see attched.
|
| 06/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I tried to process a fund transfer and when a fee was disclosed, I cancelled the transaction. Bank of West BMO wont refund the fee even though I told them what happened several times.
|
| 08/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
I opened the business account on XX/XX/2023. I was supposed to receive a {$400.00} bonus for maintaining a balance of {$10000.00} for 120 days. I did that. I was only paid {$250.00}.
|
| 02/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
A bank account was opened fraudulently in my name. I received a letter in the mail from the bank stating insufficient funds. I have never opened an account in my name with this bank.
|
| 10/12/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
BMO Harris Bank refused to disclosure of 1st position balance to a XXXX XXXX, subordinate lien holder for the property at XXXX XXXX XXXX XXXX XXXX XXXX for the borrower XXXX XXXX.
|
| 07/10/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I properly disputed an invalid obsolete account three times and the account is over 7 years old and BMO Harris Bank refused to properly investigate or cease attempting to collect.
|
| 10/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My Identity have been compromised and used to open several fraudulent accounts without my knowledge or consent. these accounts have been placed on all three of my credit reports.
|
| 04/22/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
|
|
BMO Harris Bank issues XXXX XXXX cards through credit source XXXX XXXX, I have an account but they will not give me access to my information regarding my application or account.
|
| 09/30/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
A line of credit account was opened by BMO Harris without my permission. I did n't find out about the account until I received a notice that I owed {$25.00} for service charge.
|
| 03/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
I have two inquiries in my report that I do not apply for.
I have reached out the creditor and credit repair company with no resolution XXXX XX/XX/2022 BMO Harris XX/XX/2022
|
| 05/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
See fraudulent inquiries on my credit report for companies XXXX ( XX/XX/2023 ), XXXX XXXX ( XX/XX/2023 ), and XXXX XXXX XXXX via XXXX XXXXXXXX XXXX XXXX XXXX ( XX/XX/2023 ).
|
| 05/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Remove fraudulent unauthorized inquiry from BMO HARRIS BANK on XX/XX/2023 off my report with monetary relief or provide wet ink signature or proof in writing within 30 days.
|
| 01/28/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
BMO Harriss banking system is technically inadequate and faulty, duplicating transfer requests, causing accounts to be overdrawn, and charging extortionate fees as a result.
|
| 10/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
Looking on my credit report. I seen that someone took out an auto loan in my name. I have never taken out a auto loan. This was not me XXXX XXXX who. Applied for this loan.
|
| 05/25/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
Savings account was opened XX/XX/2022 with BMO Harris Bank NA, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, ( XXXX ) XXXX, account # XXXX. I DID NOT OPEN THIS ACCOUNT. It is fraud.
|
| 02/12/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
There was an over draft fee of {$36.00} posted to my card with no alert I had funds in another account to transfer not informed. I checked and it was less than 24 hours.
|
| 03/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Bmo made a mathematical error on my credit account. I ask for review of account but I was denied this. As you can see from 12 month summary Im owed over XXXX dollars.
|
| 10/02/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Hi i'm missing a XXXX $ sign up bonus with my account for having 2 direct deposits of 500 $ or more and 10 debit card purchases from my account in the first 90 days.
|
| 05/31/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I enrolled in the online banking succesfully, but when I go into I cant see my checking account. Is like my account wasnt linked to my profile.
My user id is XXXX
|
| 01/21/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
the bank closed the account and forwarded me to their credit resolution department, which in turn asked me to submit documentation, and ftc report is one of them.
|
| 02/21/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
This is follow up to CFPB complaints # XXXX loan # should be XXXX There are 3 loans in dispute with BMO Harris bank.
All have extra principal not being applied.
|
| 03/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
There is a unauthorized charge on my account for the amount of {$110.00} I contact BMO and they stated they can not due anything for me to obtain the money back.
|
| 03/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Bmo refused to open a dispute for 2 transactions on a credit card account for ach payments not authorized or made by me.
Review statement attached for details.
|
| 04/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
My father is deceased and I have called multiple times to cancel the credit card. The estate department does not answer the phone or return messages or e-mails.
|
| 09/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
i have filed a dispute in regard to the incorrect items on my credit report... it has been well over 30 days and i have not received any investigation results
|
| 11/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 08/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
Inquiry from BMO Harris BK N.A on XX/XX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report
|
| 12/26/2016 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Web |
|
|
BMO Harris Bank did not fulfill a promise to provide promo interest rate on money market account. It has been two months sine I opened the account.
thanks
|
| 03/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over days and I haven't recieved any investigation results.
|
| 09/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
These inquires have been added to my credit report without my authorization.
XXXX XXXX XX/XX/ I disputed them all and they remained on my credit report
|
| 04/26/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Twice this morning I tried to log into my BMO Harris online checking account, and got this message.
XXXX XXXX XXXX XXXX I was unable to access my funds.
|
| 11/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
BMO Harris refusing to provide the checking account bank bonus after meeting all requirements. Contacted support but was not given updates and ignored.
|
| 08/24/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Got approved, but then immediately couldn't open my online access because I had to have my checking account number which was shown on a previous page.
|
| 12/05/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened a checking account in XXXX XXXX with a promo that would give me {$200.00} bonus. It has been 6 months and I have not received it.
|
| 11/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I try to send money with my credit card and someone told me not to send money. It is fraud or scam. I had a fight with the BMO bank XXXX.
|
| 04/15/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
- Problem with customer service
|
|
Web |
|
|
I received a check from XXXX XXXX XXXXXXXX and deposited on the XXXX of XXXX.
it is now XX/XX/XXXX and i still havent received my money.
|
| 02/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I tried calling the company numerous times, in which, there should be a record of. The company is refusing to close my checking account.
|
| 01/20/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Bmo harris bank is applying my payments to recocery fees instead of the principal balance. This is reflecting my payment as late.
|
| 08/16/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
A {$1700.00} check from a different bank 's account was debited from my account. They have the same routing # and account number.
|
| 12/23/2016 |
Yes |
|
- Application processing delay
|
|
Web |
|
|
I have overpaid a credit card for an account that has been closed by {$1300.00}. The bank has not refunded the overpayment.
|
| 01/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
I did not solicit this company for their business BMO HARRIS BANK XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2017 2017
|
| 10/23/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have several inquiries that do not belong on my credit report such as XXXX XXXX XXXX, XXXX XXXX and several more.
|
| 01/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
I did not solicit this company for their business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2017 2017
|
| 10/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I received a letter from the Bank of the West that they would close my account with NO explanation and reasons.
|
| 04/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Bank of the West charged me over draft fees for point of contact purchases and or atm withdraw from my account!
|
| 01/15/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Unable to open an account
|
|
Web |
Older American, Servicemember |
|
I was given this code " XXXX '' when I tried to open a new XXXX account. I am unable to find out what it means
|
| 11/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Not my account its been removed from XXXX and XXXX but XXXX will not remove this should be marked as inaccurate
|
| 11/04/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
Servicemember |
|
BMO Bank send a fraud alert letter saying personal information was used to open a deposit account in my name.
|
| 09/27/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
THIS BANK CLOSED MY ACCOUNT WITHOUT MY KNOWLEDGE AND CONSENT BECAUSE I DISPUTED AN INCORRECT TRANSACTION.
|
| 01/04/2024 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
|
|
Web |
Servicemember |
|
XX/XX/2022 refused me to cash a check and also stated it was a fraud check. Held my funds for 4 weeks.
|
| 07/07/2015 |
Yes |
|
- Improper use of my credit report
- Report improperly shared by CRC
|
|
Web |
|
|
They ran my credit with out my authorization.. I have sent them letters numerous times and no response
|
| 11/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
THE CREDITOR HAS ADMITTINGLY POSTED A LATE PAYMENT TO MY CREDIT REPORT AND HAS YET TO FIX THE ERROR.
|
| 01/31/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Trying desperately to get important tax information from BMO and they can not pick up the phone
|
| 10/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
Servicemember |
|
I have multiple accounts on my creit report along with bank accounts I neither used or opened.
|
| 02/28/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I have been denied a checking account this isnt fair I have a XXXX and feel discriminated On
|
| 12/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
I have XXXX inquiries I did not consent BMO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 08/21/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
XXXX XXXX XXXX and XXXX XXXX XXXX are claiming I had an account and I never heard of them
|
| 10/19/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
Financial institution wont provide account balance or information to the account holder
|
| 02/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
We in the process of contacting the credit bureaus to investigate the inquiries.
|
| 11/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
2 COLLECTORS ARE ON MY CREDIT REPORTS, CEASE AND DESIST COLLECTIONS OR BE SUED
|
| 11/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Inquires were acknowledged but not by me. I have no acknowledgment of these.
|
| 03/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
Account is closed with a credit balance. Bank refuses to provide money back.
|
| 09/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I've never received a loan statement for a regulation Z violation.
|
| 06/26/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Shows my account at same state even when my account has more
|
| 11/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
Put a account on my report that I didn't apply for
|
| 07/31/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
My bank is n't working with XXXX app
|
| 02/08/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 02/08/2024 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 02/07/2024 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 02/07/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
|
| 02/06/2024 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 02/05/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 02/05/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 02/05/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened without my consent or knowledge
|
|
Web |
|
|
|
| 02/03/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 02/03/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 02/02/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 02/01/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 02/01/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/01/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 01/31/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 01/31/2024 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 01/31/2024 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
Older American |
|
|
| 01/31/2024 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with fees or penalties
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 01/29/2024 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 01/27/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 01/27/2024 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
|
| 01/27/2024 |
Yes |
- Vehicle loan or lease
- Lease
|
- Repossession
- Account reinstatement or redemption after repossession
|
|
Web |
|
|
|
| 01/27/2024 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Payment process
|
|
Referral |
|
|
|
| 01/27/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
|
|
|
| 01/26/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
|
| 01/26/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Phone |
|
|
|
| 01/25/2024 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 01/23/2024 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 01/22/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened without my consent or knowledge
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
Older American |
|
|
| 01/22/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
Servicemember |
|
|
| 01/21/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 01/19/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Phone |
|
|
|
| 01/19/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Phone |
|
|
|
| 01/18/2024 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Fees charged for closing account
|
|
Web |
Older American |
|
|
| 01/18/2024 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
Older American |
|
|
| 01/18/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Referral |
|
|
|
| 01/17/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
Servicemember |
|
|
| 01/17/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/16/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Postal mail |
|
|
|
| 01/16/2024 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 01/15/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 01/15/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/14/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 01/13/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/12/2024 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
Older American, Servicemember |
|
|
| 01/12/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Referral |
|
|
|
| 01/11/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 01/10/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Phone |
|
|
|
| 01/09/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Lender trying to repossess or disable the vehicle
|
|
Phone |
|
|
|
| 01/08/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Phone |
Older American |
|
|
| 01/07/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Older American |
|
|
| 01/03/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 01/02/2024 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Phone |
Older American, Servicemember |
|
|
| 01/02/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
|
| 12/30/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Web |
|
|
|
| 12/30/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 12/30/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Phone |
Older American |
|
|
| 12/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
- Problem with customer service
|
|
Web |
|
|
|
| 12/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened without my consent or knowledge
|
|
Web |
|
|
|
| 12/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Phone |
|
|
|
| 12/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
Older American |
|
|
| 12/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Referral |
|
|
|
| 12/21/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Lender trying to repossess or disable the vehicle
|
|
Phone |
|
|
|
| 12/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
Older American, Servicemember |
|
|
| 12/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Phone |
Older American, Servicemember |
|
|
| 12/14/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Phone |
|
|
|
| 12/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
Older American |
|
|
| 12/13/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 12/13/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 12/13/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Phone |
|
|
|
| 12/12/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Closing on a mortgage
- Changes in loan terms during or after closing
|
|
Web |
Servicemember |
|
|
| 12/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Loan sold or transferred to another company
|
|
Web |
|
|
|
| 12/11/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 12/07/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
Older American |
|
|
| 12/07/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Account sold or transferred to another company
|
|
Phone |
Older American |
|
|
| 12/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Phone |
Older American |
|
|
| 12/06/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Referral |
|
|
|
| 12/06/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
|
|
Referral |
|
|
|
| 12/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 12/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 12/04/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Phone |
Older American |
|
|
| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/04/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 12/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 12/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 12/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/01/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 12/01/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 12/01/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Phone |
Older American |
|
|
| 11/30/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened without my consent or knowledge
|
|
Web |
|
|
|
| 11/30/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 11/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
|
| 11/29/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/29/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 11/29/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 11/29/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Unable to open an account
|
|
Web |
Servicemember |
|
|
| 11/29/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Referral |
|
|
|
| 11/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/27/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 11/27/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Referral |
|
|
|
| 11/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
|
| 11/26/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
|
| 11/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
|
| 11/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 11/24/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 11/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 11/22/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
|
| 11/22/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Postal mail |
|
|
|
| 11/22/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem accessing account
|
|
Phone |
Older American |
|
|
| 11/21/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
|
| 11/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 11/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Phone |
|
|
|
| 11/20/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
- Application denials
|
|
Web |
Servicemember |
|
|
| 11/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/18/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Servicemember |
|
|
| 11/17/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 11/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/16/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Referral |
|
|
|
| 11/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 11/15/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 11/15/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
- Confusing or missing disclosures
|
|
Web |
|
|
|
| 11/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Phone |
Older American |
|
|
| 11/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 11/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 11/14/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 11/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
|
| 11/10/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 11/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
|
| 11/09/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Web |
|
|
|
| 11/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
|
| 11/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 11/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Older American |
|
|
| 11/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Foreclosure
|
|
Postal mail |
|
|
|
| 11/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 11/08/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 11/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Referral |
Older American |
|
|
| 11/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 11/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
|
| 11/07/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
|
|
Web |
Servicemember |
|
|
| 11/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Phone |
|
|
|
| 11/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 11/07/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
|
|
Phone |
Older American |
|
|
| 11/07/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Referral |
|
|
|
| 11/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened without my consent or knowledge
|
|
Web |
|
|
|
| 11/06/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
|
| 11/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 11/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
|
| 11/05/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American |
|
|
| 11/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
|
| 11/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 11/02/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Older American |
|
|
| 11/02/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Referral |
|
|
|
| 11/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 10/31/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 10/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Older American, Servicemember |
|
|
| 10/28/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 10/27/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
|
| 10/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 10/25/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Phone |
|
|
|
| 10/25/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 10/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Phone |
|
|
|
| 10/23/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 10/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
|
|
|
| 10/21/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 10/21/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 10/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
|
| 10/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 10/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 10/20/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 10/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 10/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 10/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 10/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 10/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 10/17/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
|
| 10/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
|
|
|
| 10/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Paying off the loan
|
|
Web |
|
|
|
| 10/16/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
|
| 10/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 10/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Referral |
|
|
|
| 10/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 10/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 10/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 10/12/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 10/12/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
- Confusing or missing disclosures
|
|
Web |
Older American |
|
|
| 10/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 10/11/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
|
| 10/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 10/10/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 10/10/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Cashing a check
|
|
Phone |
|
|
|
| 10/09/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 10/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 10/07/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 10/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 10/06/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Referral |
|
|
|
| 10/06/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Money order, traveler's check or cashier's check
|
|
|
Web |
Older American |
|
|
| 10/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 10/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
Older American, Servicemember |
|
|
| 10/02/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Referral |
|
|
|
| 10/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
|
| 10/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Phone |
|
|
|
| 10/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 09/29/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 09/29/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 09/29/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
|
| 09/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened without my consent or knowledge
|
|
Web |
|
|
|
| 09/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
|
|
|
| 09/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Web |
|
|
|
| 09/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened without my consent or knowledge
|
|
Web |
|
|
|
| 09/25/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Phone |
Older American, Servicemember |
|
|
| 09/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 09/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 09/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 09/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 09/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 09/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 09/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 09/17/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Web |
Older American |
|
|
| 09/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
Servicemember |
|
|
| 09/15/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
|
| 09/15/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Closing on a mortgage
- Trying to communicate with the company to fix an issue with the loan closing
|
|
Phone |
|
|
|
| 09/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 09/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Postal mail |
|
|
|
| 09/14/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 09/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 09/13/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 09/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Phone |
|
|
|
| 09/13/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/12/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Phone |
|
|
|
| 09/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Phone |
Older American, Servicemember |
|
|
| 09/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 09/12/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
|
| 09/11/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Fees charged
|
|
Web |
|
|
|
| 08/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 08/31/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 08/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
|
| 08/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
|
| 08/29/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
|
| 08/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
|
| 08/25/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 08/24/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
|
|
|
Phone |
|
|
|
| 08/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Phone |
|
|
|
| 08/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 08/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 08/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
|
| 08/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 08/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 08/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
|
| 08/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Phone |
|
|
|
| 08/16/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 08/16/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 08/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
|
| 08/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Postal mail |
|
|
|
| 08/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
|
| 08/11/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 08/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Postal mail |
|
|
|
| 08/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 08/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Phone |
|
|
|
| 08/09/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/07/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Confusing or missing disclosures
|
|
Phone |
|
|
|
| 08/06/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 08/05/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 08/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 08/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
Older American |
|
|
| 08/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 08/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Postal mail |
Older American |
|
|
| 07/31/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Postal mail |
|
|
|
| 07/31/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Phone |
|
|
|
| 07/28/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 07/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 07/27/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
Older American |
|
|
| 07/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 07/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Phone |
Older American |
|
|
| 07/24/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Phone |
|
|
|
| 07/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 07/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 07/20/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American |
|
|
| 07/20/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 07/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/20/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with fees or penalties
|
|
Web |
|
|
|
| 07/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Phone |
|
|
|
| 07/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 07/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 07/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
|
| 07/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
|
|
|
| 07/19/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
|
| 07/19/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 07/18/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
Older American |
|
|
| 07/14/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 07/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
|
| 07/12/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Referral |
|
|
|
| 07/12/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 07/11/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with fees or penalties
|
|
Web |
Older American |
|
|
| 07/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
|
| 07/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Older American |
|
|
| 07/07/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Referral |
|
|
|
| 07/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 07/06/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 07/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
|
| 07/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 07/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 07/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Phone |
|
|
|
| 07/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Phone |
Servicemember |
|
|
| 07/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
Older American |
|
|
| 06/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
|
| 06/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
|
| 06/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 06/26/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 06/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 06/20/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Referral |
|
|
|
| 06/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/18/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
|
|
Web |
|
|
|
| 06/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 06/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 06/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 06/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
Servicemember |
|
|
| 06/09/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 06/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 06/08/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
|
| 06/07/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 06/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 06/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Phone |
|
|
|
| 06/04/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
|
|
Web |
|
|
|
| 06/02/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 06/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 06/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Phone |
Older American |
|
|
| 05/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 05/24/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Money order
|
- Lost or stolen money order
|
|
Phone |
Older American |
|
|
| 05/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Phone |
|
|
|
| 05/23/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Postal mail |
Older American |
|
|
| 05/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 05/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Postal mail |
Older American, Servicemember |
|
|
| 05/17/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
|
| 05/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
|
| 05/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
Older American |
|
|
| 05/16/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 05/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Referral |
|
|
|
| 05/11/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Phone |
Older American, Servicemember |
|
|
| 05/10/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
|
| 05/10/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 05/09/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 05/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
|
| 05/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
|
| 05/04/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 05/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 05/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 05/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 04/28/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 04/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Referral |
|
|
|
| 04/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 04/20/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 04/20/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
Older American |
|
|
| 04/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 04/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Phone |
Older American |
|
|
| 04/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 04/19/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Unable to open an account
|
|
Phone |
|
|
|
| 04/19/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
|
| 04/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 04/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 04/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 04/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Phone |
Older American |
|
|
| 04/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 04/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Bounced checks or returned payments
|
|
Web |
Servicemember |
|
|
| 04/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 04/10/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 04/07/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
|
| 04/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 04/05/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Referral |
|
|
|
| 04/03/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 04/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
|
| 03/31/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 03/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 03/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 03/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 03/29/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
Older American |
|
|
| 03/29/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Older American |
|
|
| 03/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 03/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Confusing or missing disclosures
|
|
Phone |
|
|
|
| 03/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 03/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 03/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 03/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 03/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 03/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 03/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 03/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 03/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 03/14/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Cashing a check
|
|
Phone |
Older American |
|
|
| 03/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Phone |
|
|
|
| 03/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 03/11/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Phone |
Older American, Servicemember |
|
|
| 03/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 03/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 03/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 03/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
Older American |
|
|
| 03/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 03/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 03/07/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Older American |
|
|
| 03/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 03/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 03/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
|
| 03/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 02/28/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
|
| 02/27/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 02/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 02/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
|
| 02/14/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
- Problem with customer service
|
|
Web |
|
|
|
| 02/14/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 02/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 02/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 02/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 02/10/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Phone |
Older American |
|
|
| 02/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 02/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
|
| 02/08/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 02/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Postal mail |
|
|
|
| 02/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 02/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Older American |
|
|
| 02/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/30/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Web |
|
|
|