BREMER BANK, NATIONAL ASSOCIATION CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
05/08/2023	Yes	Checking or savings account Other banking product or service	Closing an account Can't close your account	SD 572XX	Web
My mother owned life insurance policies on my grandmother. My mother predeceased my grandmother though. Bremer Bank assumed Personal Representative and Trustee for my mother after she died, even though they are not a named successor in either capacity. Bremer Bank then went and changed the ownership and beneficiary to themselves instead of me, the sole heir and beneficiary to everything for my mother. After becoming owners and beneficiaries to the policies, Bremer Bank held onto to the policies and refused to change the ownership to me, the sole heir and beneficiary. 18 months go by and my grandmother then passes away. So now Bremer Bank received XXXX XXXX in life insurance proceeds that should have went to me instead. Bremer Bank and their attorneys at XXXX XXXX XXXX have been sucking the money dry from the account. I have only received one check from Bremer Bank for XXXX dollars. There is still XXXX XXXX unaccounted for and Bremer Bank is now claiming the balance is down to XXXX XXXX dollars. A Judge literally gave an order approving all accounting and plan of distribution exactly a year ago now, yet they are still withholding the funds from me. XXXX XXXX XXXX charges over XXXX dollars a month on a lot of occasions. Their average monthly invoice is probably around XXXX dollars. I don't even understand what they could possibly be charging for. To make matters worse, XXXX XXXX XXXX is the law firm that handled all of my mother 's estate planning, dating back almost 20 years. Yet after my mother passed away, they made sure to inform me a few dozen times that they do not represent me and they will not represent me either. I wanted answers to this stuff and nobody was answering me. So my last resort was to get in contact with the individual that was appointed Personal Representative for my mother 's estate on behalf of Bremer Bank. When I drove to the address that XXXX XXXX has listed on the Application for Appointment of Personal Representative, it turns out that the address is fake. A few suites down from the fake address is the address for XXXX XXXX XXXX though. Ironic. After I confronted XXXX XXXX XXXX and Bremer Bank about the fake address for the Personal Representative, the entire administration for my mother 's estate and trust, which consists of lawyers from XXXX XXXX XXXX and bankers from Bremer Bank, all decided to file XXXX XXXX XXXX XXXX XXXX essentially completely preventing me from obtaining any information and assuring that the funds can keep getting drained for an indefinite amount of time. There is one Judge in XXXX XXXX that handled everything. The probate case naming the fake person with the fake address as Personal Representative, the civil case for the trust approval items, and the XXXX 's. All of them were handled by the same Judge. This was the first time that this Judge has ever handled a Trust case too. I did not even know that they took XXXX 's out against me until I attended a hearing and the attorneys at XXXX XXXX XXXX and the Judge brought it up like I should know somehow. Then I found out that everyone used an address for me where I lived 20 years ago, and only for about 6 total months. They ensured that I would not be served the XXXX 's and made to look bad in Court. You'd think that if someone felt threatened or that they were being harassed, that the first measure they should take would be to tell that person to stop harassing. But they didn't do that because I didn't harass them. They just didn't want to answer me when I ask them where my money is.
06/14/2018	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	MN 563XX	Web
On XX/XX/2017 I made a payment to XXXX XXXX. The payment was returned on XX/XX/2017. On XX/XX/2017 I logged onto the online banking with Bremer Bank. While review the transactions on Sunday XX/XX/XXXX, I noticed ATM withdrawals that I did not make, nor did I authorize, nor did I benefit from. On XX/XX/2017 I stopped into a branch location with Bremer Bank in XXXX. XXXX MN and shared my findings with a personal banker. This personal banker informed me that I needed to call the fraud department and speak with them. I sat in the parking lot of Bremer Bank and spoke to the fraud department. This was an intake call. ( Bremer Bank fraud case no. XXXX ) I explained the situation during the intake call. One of the questions that was asked by the person whom that took my call was, When did you lose your debit card. My response was, Well, I can't answer that question and I would never give any bank an exact date to a credit card or debit card that was out of my possession because I can't answer that question. However, Sunday, XX/XX/XXXX late in the evening was the first day that I noticed my debit card no longer in my possession after I looked for it and learned that the debit card was no longer in my possession as well as the unauthorized withdrawals. Bremer Bank did credit me {$180.00} as a final credit out of the {$680.00} that was taken out of my checking account. Bremer Banks ' personal account agreement on page 33, state 's " If you tell us within two ( 2 ) business days after you learn of the loss or theft or your card, security code and/ or other access means, you can lose no more than {$50.00} if someone used your card, security code and/or other access means without your permission. I have contact in a complaint to Office of the Minnesota Attorney General XXXX XXXX and worked with XXXX XXXX in this office. XXXX was unsuccessful in getting Bremer bank to pay the {$450.00} that they still owe me. Shortly after my complaint to Bremer Bank in XXXX of XXXX, Bremer Bank closed my checking account and stated they would never do business with me ever again. XXXX XXXX in the fraud department of Bremer bank spoke with me on the phone telling me that I was a HIGH risk and will not open another checking account with me and will no longer do business with me. I said, over fraud activity? She responded yes. XXXX XXXX recommended that I file a complaint with the Consumer Financial Protection Bureau since Bremer Bank is not following rules and regulations. I never once had given anyone with Bremer Bank an exact date on when I lost my card. Again, it wasn't until XX/XX/XXXX when I noticed my card missing after I looked for it. I did review transactions online and I told XXXX XXXX that the last transactions that I made were on Friday, XX/XX/2017 and those transactions a valid from that day, so I would have lost the card between XX/XX/XXXX and XX/XX/XXXX, but don't quote me on the exact date, and since there were unauthorized atm withdrawals on XX/XX/XXXX and XXXX, the card would've been lost/stolen between XX/XX/XXXX and XX/XX/XXXX. Again, this wasn't learned until XX/XX/XXXX. I notified Bremer Bank on XX/XX/XXXX. XXXX XXXX said she has evidence that I said I no longer have my card in my possession as of XX/XX/XXXX, and this is the date XXXX XXXX made a final decision. I never gave anyone with Bremer Bank an exact date. But Bremer Bank needs to go by the date learned that it was no longer in my possession and that is XX/XX/XXXX.
09/18/2017	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	MN 55125	Web
I have a checking account through Bremer Bank. My local branch is in XXXX, Minnesota. I was charged XXXX separate overdraft fees for non-sufficient funds in the amount of {$35.00} each on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX despite the fact I made every attempt to get the monies into the account before midnight each day it was overdrawn. I submitted a request to the bank to overturn these fees due to the fact that I was advised in XXXX XXXX by the XXXX, XXXX, at the XXXX location, that customers had until midnight to get their account current as I had an issue at that time. I asked for clarification of this issue of what was stated to me and she said this was the policy ; however, bank ATMs state otherwise in that monies should be deposited into funds by XXXX p.m. daily. Supposedly now I misunderstood, but I asked her outright if this what she meant to say. I want the bank to overturn at least XXXX of these as I feel they added an overdraft ( specifically the XXXX dated XXXX/XXXX/XXXX ) unfairly as the reason why the account was overdraft was due to the overdraft taken out the previous day. While I do n't want to get XXXX into trouble, she never should have said this to me if it was not the correct information. XXXX Bank is also taking electronic checks late in the day when they only allow until XXXX p.m. to get the money into your account and this has caused overdraft charges as well and then they do n't want to overturn them, despite the fact that I have checked my checking account diligently the same day to see if more money needs to be put in that day. I think any bank that does this should allow their customers until midnight to get their account current. I have a checking account through a local credit union who allows this and am considering moving all of my banking there now due to the frustration with this most recent issue. A customer has a right to know what is coming in and out of their account that day, and it is n't always reflected for me see. This is deceptive to the customer. A customer also has a right to make a deposit the day the item comes into that account whether it before before or after the item comes in for payment.
12/30/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	MN 551XX	Web
XXXX XXXX POLICE DEPARTMENT SUMMARY INCIDENT REPORT REPORT NUMBER : XXXX PROPERTY LISTINGS Financial/Identity/Documents - Bank XXXX Guided me to use credit card to buy gift cards. I sent photo via phone to transfer cash Stolen XXXX XXXX ITEM QUANTITY BRAND CARD / ACCT NO COLOR LOSS REPAIR COST DESCRIPTION MODEL OWNER APPLIED NO $ $ INCIDENT INFORMATION XXXX XXXX XXXXXXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCIDENT CODE INCIDENT TYPE INITIAL SUPP DATE/TIME STARTED DATE/TIME ENDED DATE/TIME REPORTED * XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX MN REPORT FILED FROM TRACKING NUMBER LOCATION OF OCCURRENCE XXXX XXXX APPROVED BY : LOCATION TYPE Other/Unknown THEFT TYPE Use a trick or lie to get you METHOD OF ENTRY PT OF ENTRY ENTRY LOC PERSON LISTINGS Victim XXXX XXXX * *** * XXXXXXXX XXXX 1 TYPE LAST NAME FIRST NAME DOB RACE SEX LICENSE/ID # STATE SSN RESIDENT AGE EMAIL CONTACT PHONE CELL PHONE XXXX MIDDLE NAME RESIDENCE ADDRESS * EMPLOYER NAME WORK PHONE BUSINESS ADDRESS * I was notified by email that more than {$800.00} was billed to a XXXX account, which I do not own or use. Called the XXXX number XXXX, putting me in contact with scammer. Always by phone only, he guided me to check my computer in a way that gave him access to it as well. He then faked transferring cash from my money market acct., to repay when I bought two equal amounts of {$500.00} with my XXXX XXXX. I purchased 2, gave him back codes, which gave him the amount. Then no one would sell me more gift cards, so he asked me to withdeaw cash, which he said he would transfer back to my bank. There I stopped cooperating, but assume he would have changed further cash into bitcoin, etc. for his use. May this help others if scammer is located. Phone # 's used : XXXX ( Michigan ) used 15 times ; XXXX ( Michigan ) used10+ times ; XXXX used 4 times. I am willing to prosecute. - Is video footage available? = [ No ]
04/11/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	MN 562XX	Web
For the last 23 years my estranged husband and my in-laws have taken out a large variety of farm loans and ongoing lines of credit for which Ive co-signed many, if not all of them. Originally they were done through my Brother-In-Law, who at those earlier years was our loan officer at our bank, eventually they figured out that might be considered a conflict of interest and we received a new loan officer. Im not sure if this was the same time period my Brother-In Law became Vice President Of the bank. Now, almost two years ago my husband filed for divorce the same day probate for my Father-In-Law became final, I didnt even know it had started. During the high conflict, ongoing divorce, Discovery comes up, Im Pro Se due to the fact husband took all joint funds and put them into an account only he can access at the bank. He has two attorneys. I asked for copies of his bank statements and copies of our most recent loan documents that I signed on just three months prior, and was told be our loan officers supervisor Its none of your business, its farm business. I still havent received any documents from them. Our CPA also will not give me any copies of our taxes Without his permission because His name is primary on our account. He refused my request. Theres a Testamentary Trust involved from my Fater-In-Law for which my V.P. Brother-In-Laws wife is a beneficiary and my husband is supposed to by out her share, husband was also Executor of the will. I also saw the land loan we took out in 2007 had my forged signature on it. I didnt even know we bought land until it was all done. By the way our bank is Bremer and our CPA is XXXX XXXX & XXXX XXXX. Not that it makes a huge difference but Im also XXXX. Bremer has since closed my 23 year long checking account, so I no longer have a bank, much less any money.
07/21/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 787XX	Web
I bank with XXXX XXXX ( one of their program bank is Bremer Bank ) and they have frozen my account now for 2 months with no explanation or answers when I try to reach out. This occurred on XX/XX/XXXX, it is now XX/XX/XXXX with no response from them as to why. When I have called customer service several times over the past 2 months I am told, " reply to the email that was sent out '' and they dont reply. I have emailed 7 times. I can not access my funds. No, I did not deposit any fraudulent funds either. To have a bank freeze your account but not reply to you to give reasoning or ask you questions to even identify yourself to get to the root of the issue is very frightening. At this point, I am reporting stolen money in the amount of {$6500.00}
04/01/2020	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	MN 55912	Web
Im not signed up for overdraft protection with my bank ( Bremer Bank in Minnesota, ) so I shouldnt be receiving overdraft fees. Ive complained about this to the company multiple times, reported them to the CFPB and again theyve hit me with {$70.00} in overdraft fees. This is a bad faith effort to take money from the poor on their part. I dont need to be called about this I just need a refund and an email.
01/17/2021	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	MN 55343	Web	Servicemember
Bremer Bank is discriminating against me because of my race, me being XXXX XXXX XXXX XXXX ) by denying me an opportunity to apply for credit and open up a checking account with Bremer Bank online and in person. Bremer Bank is in complete violation of the 1974 Equal Credit Opportunity Act ( ECOA ) under federal law. Full name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
02/08/2018	Yes	Checking or savings account Other banking product or service	Closing an account Fees charged for closing account	MN XXXXX	Web	Older American
Bremer Bank, XXXX, WI had safety deposit box for my mother, closed it and sent back 2 keys, 3 years ago but they keep charging me. Couldn't open a bank acct here because of it. Thrtough my mothers probate through a court they asked for debts for 60 days and no one filed claims yet I'm not allowed to open my own bank acct now.
03/30/2020	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	MN 56303	Web
Click to expand XX/XX/XXXX CONTINUOUS OD FEE XXXX XXXX Click to expand XX/XX/XXXX CONTINUOUS OD FEE XXXX XXXX Click to expand XX/XX/XXXX OVERDRAFT FEE XXXX XXXX Bremer Bank is predatory charging continuous weekly overdraft fees. With the issue of COVID-19 they will not even consider waiving the fees.
02/09/2024	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	MN 55987	Web	Older American

01/11/2024	Yes	Mortgage Conventional home mortgage	Trouble during payment process Fees charged	MN 55331	Web

01/09/2024	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	MN 55790	Phone	Older American, Servicemember

08/08/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	ND 58501	Web

05/02/2023	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	IL 60634	Web

09/02/2022	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Funds not handled or disbursed as instructed	KS 671XX	Web	Servicemember

06/25/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MN 55419	Postal mail

02/08/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MN 56201	Referral

09/24/2020	Yes	Checking or savings account Checking account	Managing an account Fee problem	MN 55940	Referral

01/13/2020	Yes	Checking or savings account Checking account	Closing an account Company closed your account	WI 54837	Referral

09/10/2019	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	MN 55912	Web

09/09/2019	Yes	Checking or savings account Checking account	Closing an account Company closed your account	ND 58261	Phone	Older American

04/09/2019	Yes	Checking or savings account Checking account	Managing an account Fee problem	WI 54601	Referral

01/11/2019	Yes	Checking or savings account Checking account	Closing an account Company closed your account	MN 56301	Web

10/18/2018	Yes	Checking or savings account Savings account	Managing an account Funds not handled or disbursed as instructed	MN 566XX	Web

05/11/2018	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	MN 55075	Web

01/08/2018	Yes	Checking or savings account Checking account	Improper use of your report Report provided to employer without your written authorization	OK 74114	Web	Servicemember

07/14/2017	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MN 55371	Referral

02/01/2017	Yes	Bank account or service Checking account	Deposits and withdrawals	WI 54017	Web