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BMO Harris Bank N.A.

Phone: (888) 340-2265 Fax: (847) 215-6618 111 W. Monroe St.  5 East, Chicago, IL 60603 View Additional Email Addresses http://www.harrisbank.com


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BBB Accreditation

A BBB Accredited Business since

BBB has determined that BMO Harris Bank N.A. meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.


Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that raised the rating for BMO Harris Bank N.A. include:

  • Length of time business has been operating
  • Complaint volume filed with BBB for business of this size
  • Response to 193 complaint(s) filed against business
  • Resolution of complaint(s) filed against business


Customer Complaints Summary Read complaint details

193 complaints closed with BBB in last 3 years | 61 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 53
Billing/Collection Issues 36
Delivery Issues 21
Guarantee/Warranty Issues 3
Problems with Product/Service 80
Total Closed Complaints 193

Customer Reviews Summary Read customer reviews

11 Customer Reviews on BMO Harris Bank N.A.
Customer Experience Total Customer Reviews
Positive Experience 1
Neutral Experience 0
Negative Experience 10
Total Customer Reviews 11

Additional Information

BBB file opened: January 01, 1965 Business started: 02/01/1907 Business started locally: 02/01/1907
Business Management
Ms. Mollie Carver Gawronski, Regional Business Sales Manager Ms. Jo Ann Modschiedler, Distric Operations Mr. Dave Segrue, Vice President Business Banking Ms. Janice Zimmermann, Senior Commercial Relationship Manager
Contact Information
Principal: Ms. Mollie Carver Gawronski, Regional Business Sales Manager
Customer Contact: Ms. Jo Ann Modschiedler, Distric Operations
Business Category

Banks Banking Services Loans Loans - Small Business Mortgage Brokers Retirement Planning Service Financial Services Mortgage Bankers Mortgage And Escrow Companies Investment Banking and Securities Dealing (NAICS: 523110)

Alternate Business Names
Harris N.A.
Additional Information

Visit www.harrisbank.com for complete list of locations.


Customer Review Rating plus BBB Rating Summary

BMO Harris Bank N.A. has received 0 out of 5 stars based on 0 Customer Reviews and a BBB Rating of A+.

BBB Customer Review Rating plus BBB Rating Overview

Additional Locations

  • 111 W. Monroe St.
    5 East

    Chicago, IL 60603 (888) 340-2265

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BBB Customer Review Rating plus BBB Rating Overview


BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.
Details

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.

Complaint Detail(s)

7/20/2016 Problems with Product/Service
7/17/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: On 06/25/2016, I went to the local BMO Harris branch in order to withdraw 400.00 from the drive through ATM using my payroll card. The ATM denied the request however the amount was withdrawn from my account. When I contacted **** regarding the issue, they advised me to get in contact with the bank to see why the transaction did not go through. **** also confirmed that the amount of 400.00 was debited from my account on 06/25/2016. There is currently 400.00 missing from my account and neither bank nor **** has been able to provide a resolution.

Desired Settlement: I am requesting to have the amount of 400.00 placed back on my account.

Business Response:

We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the inquiry. The Bank has communicated with Mr. ******** via telephone. In the interest of protecting Mr. ********'s confidentiality, we are not posting the details of the response 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.

Consumer Response:  
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

*********** ********

6/9/2016 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I purchased a jeep financed through BMO harris bank. I paid it off in September of 2016. I have been fighting with them ever since the day they took my cash to get a copy of the title. All they have provide de with is a receipt. They claim they have requested it from Secretary of State but to date I have NO TITLe. What thanks I get for paying my car note in advance.

Desired Settlement: I want the title to the vehicle that I lawfully purchased in sept of 2016

Business Response:

We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customer’s inquiry. A letter was sent to Ms. ***** on 6/1/16, addressing her concerns. In the interest of protecting our customer’s confidentiality, 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.

5/31/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I established a rainy day bank account at then *** Bank in 1994. At some point *** bank became BMO Harris Bank and started assessing this bank account a monthly service fee. I was not made aware that this fee was being assessed on my bank account and the monthly service fee has now apparently continued for several years. I have visited multiple BMO Harris bank locations seeking answers to 4 questions: (1) how much money has been taken from my bank account as a result of this service fee? (2) Why am I being assessed this service fee now after having this account for over 20 years? (3) How/when was I notified of this service fee? (4) What are my options to stop being assessed this monthly service fee? Unfortunately the Financial representatives at multiple locations (Franklin, Milwaukee and Wauwatosa) have been unwilling to answer these questions for me. Most recently Universal Banker representative ***** J. ******** and Branch Manager ******* ******* at the Wauwatosa BMO Harris Bank branch have declined to answer my 4 questions 4+ weeks after contacting them. In 2 separate conversations ***** has declined to investigate my questions as she expressed concerns that I will be closing my bank account immediately following her investigation. ******* offered to help in my lone conversation with her, but then transferred me back to *****. ******* has not returned my phone calls since my last conversation with ***** 2+ weeks ago. As a current customer of BMO Harris Bank am I not at least entitled to answers to my questions regarding my account....regardless of what my future course of action is regarding this account?

Desired Settlement: Preferably I would like answers to the 4 questions I have raised and all Service Fees refunded to my account. (...or at the very least a partial refund of the Service Fees that have continued to be assessed against my account since I started my investigation of these charges) The 4 questions are: (1) how much money has been taken from my bank account as a result of this service fee? (2) Why am I being assessed this service fee now after having this account for over 20 years? (3) How/when was I notified of this service fee? (4) What are my options to stop being assessed this monthly service fee?

Business Response:

We are in receipt of the complaint and we have communicated with our customer directly to resolve all concerns. In the interest of protecting our customer’s confidentiality, we are not posting the details of the response 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.

Consumer Response:


Complaint: ********

I am rejecting this response because: BMO Harris Bank has refused to answer the first 3 of my 4 questions.  Those were  (1) how much money has been taken from my bank account as a result of this service fee? (2) Why am I being assessed this service fee now after having this account for over 20 years? (3) How/when was I notified of this service fee?

Furthermore, to research question #1 the bank wanted to charge me an additional service fee of $5 per bank statement they would have to reprint to determine how much money I had lost.  Apparently the online system the financial representatives have access to only allow them to see the last 60 days of activity for my bank account.  As this service fee has been assessed for several years it would take a considerable amount of research (and consequently $5 service fees) to reproduce the necessary statements to answer my question.

To avoid being assessed additional service monthly service fees it was recommended that I close this account.  Reluctantly I have closed my account with BMO Harris Bank but I fear that I will never have the answers to the above 3 questions.

Sincerely,

******** ****

Business Response:

We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customer’s inquiry. A letter was sent to Mr. **** on May 23, 2016 addressing his concerns. In the interest of protecting our customer’s confidentiality, 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.

5/12/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I contacted BMO Harris's Naperville branch about applying for a credit card under my non profit. I asked what the qualifications were and told them about where the non profit was financially as a new organization. After speaking with a branch member many times in person, on phone and email (Employee name Ajit), she recommended applying for the card. I was denied based on income history. When I spoke to management they said this was a qualification known before application. I was not made aware this or I would not have applied. When I tried to get management further involved in this, I was given the run around until they finally told me that member of management was let go and being replaced. This is now a hard inquiry on my credit report. I have been working on improving my credit score for years in order to successfully run my non profit and make upcoming home purchases. This was a simple overlook on behalf of BMO, and I should not have been advised to apply for the card. I even provided all financial ledgers. I spoke with Tomio about correcting this issue. He said he would try to find a way to get the card approved, since he didn't know how to get the inquiry removed from my credit report. He has not gotten it approved or gotten the info removed, nor did he contact me again to reach a resolution on the matter.

Desired Settlement: I would like the hard inquiry removed from my credit report.

Business Response:

We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customer’s inquiry. A letter was sent to Mr* ******** on 5/4/16, addressing his concerns. In the interest of protecting our customer’s confidentiality, 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.

4/16/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Hello, In the last month BMO Harris bank has co-mingled another client's credit card accounts with my ******** credit report. Account # ************ Opened 12/1984. with a balance of $630.00 Account #548990XXXXXX Opened 12/1984 with a balance of $ 0.00 It would be impossible for me to have these accounts because I filed bankruptcy in 1985-1986 and all accounts were discharged. The other other issue is I am in the middle of a mortgage application and this needs to be resolved immediately. These accounts were disputed with ******** last year and removed so I thought it was resolved.

Desired Settlement: Please remove these 2-Accounts from my ******** credit report

Business Response:

We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customer’s inquiry. A letter was sent to Mr. ********* on April 15, 2016 addressing her concerns. In the interest of protecting our customer’s confidentiality, 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.

Consumer Response:  
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

***** *********

4/15/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: RE: Fraudulent Inquiry on My Credit Report SSN: *********** Dear Customer Service / Credit Team, Upon reviewing my credit report, I noticed that there is an inquiry from this company on or about October 27, 2015 on my current report. Please be advised that this is a fraudulent inquiry. I have attempted to address this matter with the company via telephone, yet to no avail. I have been the victim of identity theft and I have documentation that supports this. Thus, I have put this inquiry in dispute. I hereby requesting that they remove, within 30 days, this fraudulent inquiry from my credit report. Please contact me at once if you need to discuss this matter. Thank you for your prompt attention on this matter.

Desired Settlement: I hereby requesting that they remove, within 30 days, this fraudulent inquiry from my credit report.

Business Response:

We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customer’s inquiry.  A letter was sent to Ms. ***** ****** on April 1, 2016 addressing her concerns. In the interest of protecting our customer’s confidentiality, 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.

Consumer Response:  
Complaint: ********

I am rejecting this response because: I do need clarification that this fraudulent inquiry is indeed being removed from my credit report.

Sincerely,

***** ******

Business Response: We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customer’s inquiry. A letter was sent to Ms. ***** ****** on April 1, 2016 and April 8th 2016 along with an email and a phone conversation per Ms. ******* request addressing her concerns and indicating it will take up to 30 days to be removed from her credit report. In the interest of protecting our customer’s confidentiality, 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.

4/14/2016 Problems with Product/Service | Complaint Details Unavailable
4/12/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: My checking account was negative $**. There was 2 attempts to charge my account that were not supposed to charge. One was accepted and I had the company issue a refund immediately. The other one tried putting it thru twice getting denied both times. Bmo Harris charged me $3* per attempt to charge my account. Again one was refunded due to a mistake the other 1 did not go thru either time. For a $** negative balance I ended up with $*** in overdraft fees. My account was overdrawn 1 week. When I contacted the bank they said my only recourse to recover the $*** from the 3 attempts was to contact the business that made the attempts for them to cover bmo Harris costs. All I want is the $*** back for the 3 attempts, I did everything in my power to prevent the attempts from happening. The $* a day overdraft fee I don't have a problem with at all.

Desired Settlement: $*** credited to account

Business Response: We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customer’s inquiry.  A letter was sent to Mr. **** on April 4, 2016 addressing his concerns. In the interest of protecting our customer’s confidentiality, 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

4/1/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have been receiving a loan Delinquency notice from this company for four months i call them and told them that they have the wrong Matthew ******** because i did not borrow any money from them but they are still sending me letters, i talked to someone and they told me that they would look into the matter and get back in touch with me they did't do that but they are still send me letters telling me that they are going to report this information about my account to the credit bureau. they are the one that made the mistake, why should my credit be made bad by their mistake it is no fault of mine. Matthew ********

Desired Settlement: i would like for them to find out who borrowed the money from them and stop sending me these letters.

Business Response: The customer was contacted on 3/24/16 and their concerns have been addressed.

3/25/2016 Problems with Product/Service
3/17/2016 Problems with Product/Service
3/15/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Hello, We are contacting you because you are ********** ******** ******* acquiring bank and would like to file a complaint against the company that you support due to their lack of ethics in the situation we are facing with them now. Our business name is *** **** **********, LLC. Over the holidays, there were 150,901 different transactions in a matter of seconds ran through a hackers script against our website. Our Merchant, ********** ******** *******, charged our account was charged $37,725.42. These are due to the fraudulent charges done to merchant account. Our processor (********** ******** *******) charges us $0.25 per authorized transaction, which resulted in that charge. We only owed around ~$150.00 to them for cards we actually processed. They have reduced our fees down to $0.05 cents per transaction, however are still trying to profit from this fraudulent attack and get $7,545.08 from us. They are bullying us by giving us a 10 day deadline or they will pursue the full amount of $37,725.42 in a lawsuit. We have seen no terms of a settlement agreement in writing from ********** ******** *******. There has been nothing set forth in terms of payment structure, our reserve fund currently held by them, and future actions of EMS towards our business. Instead, we have only received demands with an uncalculated number and to mail a check to certain location. *** ******** and ****** from EMS have stated on the phone multiple times to us that EMS is not looking to profit from this fraudulent attack and are trying to make us whole again as a company. In addition, we are well aware from consulting to an attorney at the The Law Offices of **** A. ******, that "the most important thing that EMS has a fairly low transaction fee and did not have to pay a whole lot as a result of this issue." As *** ******** mentioned, the CEO of EMS said that he would "guess take a nickel" per transaction, which we feel has no numeric, or precise calculation.

Desired Settlement: EMS is attempting to profit in a money grab scheme, despite being business that should have ethics and more sympathy for a small business during this fraudulent attack. As a regulated business, we hope EMS would not take advantage of us and attempt to profit from this fraudulent, random attack. There is a complaint out from the CFPB that EMS is liable in part because they violated their own policies and procedures designed to minimize their own credit exposure that results from chargebacks associated with disputed or fraudulent charges. Articles show that if the payment processors were following their own policies and procedures, they should have picked up on the red flags that the debt collectors' activities presented. We are looking to close our account without penalty, a full refund of our reserve they are holding, and for EMS to consider this matter closed after dismissing the attack outlined above.

Business Response: BMO Harris Bank has confirmed, the complainant is not a BMO Harris Bank customer. In effort to assist, BMO Harris Bank contacted EMS and confirmed a response dated 2/12/16 has been provided to the customer.

3/10/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: In early November 2015 I contacted BMO Harris regarding a loan that was maturing in Dec. I was working with BMO to refinance a loan. In the meantime, I was told by 2 individuals at the Marengo, IL location not to worry about any collections because I was working on a new loan. I received a collection notice with a $3000.00 late fee and was sent to collections! I went into BMO Harris in Marengo, Il and talked to these 2 individuals again who stated again, not to worry about the collections that it wasnt sent to that dept as we were working on the loan. Well there information was incorrect and this WAS sent to collections, I have been sent another notice and now getting phone calls. Ana from collections stated "oh, you're working with the loan dept?" I'll make sure someone contacts you. These facilities DO NOT communicate with one another. We ran a new credit report and my score dropped down to 575 and will continue to plumet if this isnt removed. The credit report states I am now 3 months late on my loan that I was working with the bank on. In addition, I have left 2 messages 2/19 and 2/22 and no response from the bank. I am trying to resolve this issue and have always been working with the processes they have in place.

Desired Settlement: I want this adverse rating taken off my credit report as promised by the bank. Again, I am still working on the loan department to revise a new fixed 15 year loan.

Business Response: Customer has been contacted by phone on 3/2 regarding their concerns and to discuss their steps going forward. Information is being mailed to them.

Consumer Response:
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID 11151800, and find that this resolution is satisfactory to me. BMO HAS STATED THEY WILL BE REMOVING THE ADVERSE CREDIT RATING OFF OF MY CREDIT REPORT AND WE ARE WORKING TOGETHER TO RESOLVE THE LOAN ISSUE. I AM STILL WAITING TO SEE IF IT COMES OFF OF MY CREDIT REPORT IN THE 7 DAYS THEY PROMISED. IF IT DOES, I WILL BE TOTALLY SATISFIED.

Sincerely,

Gail *******

2/23/2016 Problems with Product/Service
2/20/2016 Problems with Product/Service
2/20/2016 Billing/Collection Issues
2/16/2016 Problems with Product/Service
2/13/2016 Problems with Product/Service
2/13/2016 Billing/Collection Issues
2/12/2016 Billing/Collection Issues
2/3/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: My account got overdrawn due to a returned deposit. They charged me over $400 in overdraft fees. I called customer service and chatted and stated I was out of town for training and there were no BMO branches so I would take care of it when I got back. Instead they closed my account. I went to the drive through to make the deposit on my lunch break and found out and she refused to take the money. Called their customer service supervisor and complained. He gave me the address and I sent in the money order for $246.34. I'm on their chat and they are telling me they returned my money order and woudln't accept it. The problem is that I never received the money order back so now I'm out $246.34 because it was a postal money order. The post office says it can take months to trace it before they get back to me. I also had asked BMO to help out with waiving some of the OD fees and they wouldn't help out. They've made many mistakes in the past - including shorting me on deposits which I called and complained about in order to get it corrected yet they can't help out.. Was just on their chat and it closed out on me!!! It's ridiculously poor service.

Desired Settlement: I want the overdraft fees of $352.00 waived and it taken off of *********** which they are stating online that they have submitted it to. I've gone above and beyond to settle this from the very beginning.. And I'd like to know what happened to the money order I already mailed in and they acknowledge they received. They are saying they sent it back but I never got it so now I'm probably never going to get reimbursed for that $246.34.

Business Response: We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customer’s inquiry.  A letter was sent to Ms. ***** on January 7, 2015 addressing her concerns. In the interest of protecting our customer’s confidentiality, 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

Business Response:

We are in receipt of the rebutal for the above referenced customer and welcome the opportunity to respond to the customer’s inquiry.  A  duplicate letter was sent to Ms. ***** on January 22, 2016 addressing her concerns. In the interest of protecting our customer’s confidentiality, 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.

Consumer Response:  
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

**** *****

2/1/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: On 8/28/2015 I opened an account at my local ********* *******) branch of BMO (online application was not available), following receipt of a promotion for $200 for new accounts. The terms of the offer can be found at *********************************** and basically state that direct deposit must be established within 60 days and maintained through the payment date, 120 days after account opening. The payment date for my account would be 12/26/2015. On 1/6/2016 I contacted BMO and spoke with a man calling himself Joe about my promotion. He stated that he would open an investigation and if I met the requirements (which I had) I would receive the deposit by 5 business days, 1/13. On 1/14, I still had not received this deposit and spoke with ******* who stated that I could only resolve this issue by appearing at my local branch, which I saw as a diversion tactic meant to get me off the phone and hope I would not go to the trouble of making the trip out to my bank in the January cold. I mentioned my previous conversation with *** and that he did not mention this requirement, and after some time on hold ****** said the bank was awaiting my 1/15 payroll deposit to confirm my eligibility and I'd be paid 1/18. This was strange as I had already met the written requirement on 12/26, but I granted the additional wait. Today 1/19 ****** advised that he had no record of my call with Joe (doesn't BMO keep records?) and that they had not received my 1/15 payroll yet (but it shows in my online banking as cleared). I asked for manager ******** who repeated the same information and asked for 10 more days - more diversion. Between the false requirements stated to me when I contacted BMO about their promotion, and the run-around tactics I've encountered, I have reason to believe BMO engages in a pattern of non-payment of their promotions to save money and only gives people who complain their promotional credit. This is a scam.

Desired Settlement: Pay the $200 bonus. I feel I deserve some additional form of compensation for the breach to the promotional terms and run-around I have received, as well.

Business Response:

We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customer’s inquiry.  A letter was sent to Mr. ******** on January 21, 2016 addressing his concerns. In the interest of protecting our customer’s confidentiality, 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.

1/27/2016 Advertising/Sales Issues
1/17/2016 Billing/Collection Issues
1/16/2016 Delivery Issues
1/14/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Fraudulent charges were made using my debit card number online. I called to dispute charges, went through a lengthy process answering questions about the transactions, this was fine. HOWEVER, they told me it was impossible to file a claim on pending charges and they would NOT cancel pending charges, instead, I had to wait until the charges posted and start a new claim. While waiting for my paperwork to arrive, the other charges posted. I wrote a letter including the transactions and answers to each and every question listed on the form and sent it back. I never received notification that they had received this claim even though I had a fax confirmation that it was successfully delivered. I called today, the woman was extremely unhelpful, all I wanted to know was if they had received my claim and she just kept going over the process. NO I wanted to know if the claim was RECEIVED, I know it can take 10 days to process. FINALLY got her to check, there is no claim on file, even though they received the paperwork. So I get to start the process all over again. I requested that it be expedited since my previous claim was completely disregarded. Waiting to hear back. When the same issue happened with my friend and her debit card at a different bank, she had the claims filed, pending transactions cancelled and money credited back to her THE SAME DAY and we went into a branch at 4:30 in the afternoon.

Desired Settlement: I would like my money credited back to my account so I may close my account and change to a bank that cares about its customers. It would be nice if they would compensate me for all the time I have wasted on this matter. Not to mention late fees for bills I am unable to pay without the money in my account. I doubt this will happen.

Business Response:

We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customer’s inquiry. The Bank is communicating with the customer directly to address all concerns and provide a resolution. In the interest of protecting our customer’s confidentiality, we are not posting the details of the response 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.

Consumer Response:
Complaint: 10986350

I am rejecting this response because: The bank did not directly contact me. I contacted the bank numerous times, no one addressed my issues with customer service. I had been assessed several late fees due to the drawn out process, no one was even willing to discuss this with me. This statement is an outright lie that they have contacted me and are working on addressing my issues.

Sincerely,

Kristin *******

Business Response:

We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customer’s inquiry. The Bank has communicated with the customer through regular mail addressing their concerns and enclosing our prior correspondence. Please allow sufficient time for the letter to be received.  In the interest of protecting our customer’s confidentiality, we are not posting the contents of the response 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.

1/10/2016 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: My son and I purchased 24 month $1000 CD at the Waterford WI location. We both paid off our CD balance and wanted to cash our CD in. We were told there was a 10 day hold on funds and our money would become availiable. My son paid his CD in full in November, I early this month. Neither of us have our money. My son and I have both spoke with the loan officer, behind the counter tellers numerous times and have gotten nowhere. Today I went back to the bank, my son went yesterday and still nothing. My son was told that the main branch lost his check which paid off the CD, they were going to look into it and if things were not cleared he was asked to write a new check. Today when I went in to talk to the loan officer, I was told an email is needed to clear the check and that there was no branch manager availiable to speak to me regarding my complaint that the 10 day hold period is well past and way past for my son. I was provided a 1-888 number and have been on hold over an hour. I am unclear of the next step. I paid for the CD, the 10 day grace period is over, I do not understand the problem so I decided to file a BBB complaint.

Desired Settlement: My son and I would like to resolve this issue, recieve the cash for the $1000 CD we paid off in full and be done with this bank. Terrible, rotten customer service. I will never recommend this bank to anyone!

Business Response:

We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customer’s inquiry. The Bank is communicating with the customer via telephone conversations to address all concerns and provide a resolution. In the interest of protecting our customer’s confidentiality, we are not posting the details of the response 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.

1/9/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I am filing a complaint about the Minooka location and Maricela Luna. I applied for a HELOC, after several weeks and numerous unanswered phone calls, I was contacted by Ms. Luna and informed that the loan could not go through. I am not upset that an almost 8 year old bankruptcy was the reason it is because she wasted my time when it could have been told that an bankruptcy would cause a denial. She never answers her phone and takes days to return messages. This was my worst experience, not only because they make me feel unworthy but because I could have gone somewhere else instead of taking a hit on my credit. This was bad business and it should be brought to someone's attention. I cannot express enough how much of my time and efforts were wasted.

Desired Settlement: I want an answer to why this bank would not ask potential denial questions so that me as the consumer doesn't go through the time and embarrassment even though I have proven myself financially enough.

Business Response:

We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customer’s inquiry. We have attempted to reach Ms. ******* in order to personally address her concerns.  Our last message left with Ms. ******* included a direct number for one of our market managers. 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.

12/28/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: There are a couple of issues. First, I've made two payments by check/mail that have never cleared through my bank that were mailed to the BMO Harris lockbox (PO Box 6201, Carol Stream, IL 60197-6201). As a result of the first one, its been difficult to work with BMO Harris to get payments to them through a manner that does not access a service charge for payment. So, I am continuing to have to pay service charges and in som cases late fees due to the checks not surfacing, which I am certain they are reporting to the Credit Bureaus. Also, the checks that do clear, seem to take quite awhile to get processed from the time they are mailed compared with payments sent to similar lockboxes. Second, I have requested replacement coupon booklets on at least four occassions since Spring and have yet to receive one. My husband even requested one a few weeks ago. Lastly, BMO Harris customer service is very poor. it is very difficult to get through to a person to speak with when calling their 800# and more often than not the call hold time is over 10-15 minutes to speak with someone. In speaking with a BMO company representative this evening, I learned that they only have one record of my contacts with the company back on August 24, 2015. These issues have been goign on since the check I wrote/mailed on February 24, 2015, never surfaced. The only item I have ever received and in a timely manner was a brochure on how to sign up for BMO automatic debit payments. Quite honestly, I don't trust this organization, since they have yet to resolve my issues. Therefore, I do not feel comfortable providing them with my personal banking information. I find it odd the other bills I mail on a monthly basis from the same mailbox make it to the payees fine, yet I have issues with my checks reaching BMO through their lockbox. Honestly, I think they just want to continue to collect additional fees from me. I have been working to resolve this for over 6 months to no avail and am frustrated. Given the list of complaints on the BBB website, I find it difficult to understand that BBB can give this organization an A+ rating.

Desired Settlement: I would like to receive the actual coupon booklet for my remaining payments, for BMO Harris to offer a method of payment (other than automatic debit payment) in which I do not get accessed service fees to make my payments, and for BMO Harris to look into their lockbox servcing provider to ensure that payments are being processed appropriately, timely, and within their contractual agreement (or if handled in-house, that this department's processes be audited for performance).

Business Response: We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customer’s inquiry. The Bank has communicated with the customer through regular mail addressing their concerns. Please allow sufficient time for the letter to be received.  In the interest of protecting our customer’s confidentiality, we are not posting the contents of the response 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.

12/21/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: This seems to be such a simple thing to do but, I have been trying to change my address since July of 2015. Numerous phone calls resulting in "ok mr. ******** everything is all taken care of" and my next bank statement still has my old address. I have been a BMO customer for nearly 30 years, all I want is my correct address.

Desired Settlement: I just want my bank statements to reflect my new address.

Business Response: We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customer’s inquiry. We spoke to Mr. ******** on 12/10/15 and let him know that we are actively working to correct his issue.  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.

12/14/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: My history in payments was twice a month to pay it off quickly. My last payment to pay off this loan was for October, however, to ensure I did not miscalculate I made a full payment of $175.00. BMO Harris Bank sent me a refund check of $175.00 on 10/5/15 because my loan was in fact paid in full.Since then, I have received two notices from BMO Harris Bank stating that I failed to make a payment. I contacted the bank, Carol Stream's office, and they told me the office for collections was closed and I would have to call back. I stated I wanted to take care of this now because of the current demands with my workplace. The banker's manager Patricia (last name was not given) stated I would have to prove it that they don't see any payments since September.My husband and I are hardworking and take pride in our credit ratings and paying loans off early. This is extremely insulting. We truly believe that because we paid this off much earlier, that the bank is doing what they can to collect just a bit more. Having the benefit of a good credit rating gives us the choice of banks and we will NEVER use this bank!

Desired Settlement: Close our account as PAID IN FULL and repair any reports made to the credit bureau.

Business Response: We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customer’s inquiry. The Bank has communicated with the customer through regular mail addressing their concerns. Please allow sufficient time for the letter to be received.  In the interest of protecting our customer’s confidentiality, we are not posting the contents of the response 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.

11/28/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have already posted a complaint but when I went to state that I am not happy with the result the link was dead and I when I search the complaint it links to a dead page.Complaint *********This bank has terrible customer service. It took 3 requests and 5 weeks to get the documentation to get my vehicle loan paid after it was totaled. Meanwhile, this bank has continued to charge interest and late fees. The insurance company, the gap company, and I all did our due diligence to get this claim completed in a timely manner. If BMO Harris had done their part in a timely manner, this loan would be paid in full. I do not believe that a company should benefit from poor customer service and slow/incompetent (at best) or corrupt (at worst) practices. When I complained about this, I was just told it was their policy that they still charge. They have NEVER taken into account that THEY are the problem. With the first complaint, they just sent a letter stating the same thing. They should not be able to charge money for their incompetence. They need to either fix their customer service and speed up their response time for the documentation requested, OR if they are going to remain slow at their job, they need to stop penalizing the customer. Also, the gap company has submitted the last payment as of a week ago. This has still not cleared. A bank should be able to handle payments and money transfers in a efficient manner. I have to pay $88 over the gap to make this account current. This is unacceptable since the purpose of gap is to cover what is the insurance may be short. I should not be penalized and I definitely shouldn't have a company threaten reporting to a credit agency when the payment issues stem from their own incompetence.

Desired Settlement: I would like all fees associated with the delay in payment to be removed. I want them to refrain from sending collection notices if they cannot do their part. I would like them to review and fix their policies and procedures.

Business Response: We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customer’s inquiry. A letter was sent to *** ****** on 11/17/15, addressing her concerns. In the interest of protecting our customer’s confidentiality, 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.

11/19/2015 Billing/Collection Issues | Complaint Details Unavailable
11/6/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I have an Auto loan through this bank. The car was totaled. It has taken this bank SEVERAL phone calls and 1 month to produce the payment history and pay-off documents to provide to the Insurance and GAP Insurance providers. They are now charging me late fees and finance fees for the loan- even though they are the cause of the delay. This should be paid for already but dealing with this company has been impossible. Now they are threatening collections regardless of their responsibility in this matter. They have poor customer service and refuse to discuss the matter besides to say I am still responsible. I do not believe they should be able to drive up fees based on their own incompetence.

Desired Settlement: I want all fees associated with the time they took to do their job refunded and I want their policies to change.

Business Response: We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customer's inquiry. A letter was sent to the customer on October 27, 2015 addressing the concerns. In the interest of protecting our customer's confidentiality, we are not posting the contents of the letter in this forum. Thank you for taking the time to bring this matter to our attention.

11/1/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: On April 30, 2015 I opened up a checking account at your location on ****** Dr. in Tempe, AZ. I had been into the bank with my father, and was told by personal banker ***** ******* about a $150.00 sign up bonus they had going when you opened a new checking account, providing you had $600 worth of direct deposits within the first 60 days the account is open. Additionally, since my mother and I were planning on opening a joint account at the same time, and with already having two joint accounts there with my father, I was told that would qualify both new accounts to be exempt from any fees as well. I wasn't given a timeline as to when the bonus would be deposited, and shortly after the 60 days I had a fee show up on my personal account. On July 16, 2015 I emailed ***** and asked her about the fee and also about the when the bonus might show up, providing her with all of the details showing that I had qualified. She responded that she had taken care of the fee, and that the bonus would be deposited four months after the account. Four months would be August 30, which was still another month and a half away, so I filed it in the back of my mind and waited. September, I had another fee show up on my personal account. At that time, I realized that the bonus still had not been deposited into my account. So on September 24, 2015 I emailed ***** again and asked what was going on with the fees and also why I still had not received the bonus. She was very short, and acted a little like I was bother her in asking. The last response I got from her was two words, and she gave no indication of a timeline as to when I should hear back or anything. The following day I went to another branch and asked if they could help me because I didn't feel like I was getting anywhere with *****, and something wasn't right. Kim, who I spoke with, was very helpful and she reversed the fees (which ***** still had not bothered to do 24 hours later) and went back in and set the accounts up how they should have been in the first place. Because they were not set up correctly is why the fees were being charged and the bonus was not just automatically deposited... all of this leads back to *****. Kim tried her best for nearly two weeks going back and forth with the main office and a few days ago was then advised that she "needed to get the branch involved that opened up your account as well as the banker. I reached out to ***** which is why she emailed you. We are working on a resolution for you. However, we need to speak with the Bank Manager where you opened your account. He is out of the office until next week. The bank is closed on Monday so we will make sure we get back to you on Tuesday." This is unacceptable. First of all, I do not want the person who screwed these accounts up in the first place, and then blew off the opportunity to make it right not once but twice, touching my accounts. To insist that is the person I have to deal with ludacris and piss poor customer service. Secondly, the fact that I am owed this bonus is not in dispute by anyone. I had $760 in direct deposits in the first 60 days, and the account was open four months as of August 30, 2015. The fact that I am being given the run around and shoved here, there and everywhere because your employee failed to do her job correctly is offensive, and it feels like a scam. I don't really care who you need to talk to or what you need to do after the fact. I don't care that the branch manager is on vacation. My guess is he wasn't when I originally contacted ***** on September 24 and she blew it off. Honor your agreement, put the money in my account like it should have been over month ago, and handle your business behind the scenes after the fact. It has been five weeks since this money should have been in my account, and two weeks since I raised concern about not receiving it. I have been more than patient, and I am done.

Desired Settlement: First of all, I want the $150.00 bonus I was supposed to have in my account over a month ago deposited into my account immediately... as in, by end of day. To be fair, if I wasn't meeting the terms of our contract, you bet you all would be charging me service fees or interest. Are you going to apply that concept here? What is an overdraft or bounced check fee; $35? I don't know, because I honor the agreement between us and don't do that. You however, have basically been bouncing a check with me for over 30 days by not providing money that was promised and is due. Whatever you charge people for that fee, that's what I would like credited to my account for each month this continues to drag out. So far that's September, and we're quickly moving through October. Secondly, I would also like a call from the branch manager where my account was opened, offering an apology and explaining how and why this all happened. Lastly, I want whatever needs to be done to reassign my "main branch" from the one on ****** in Tempe to the branch on Warner and 48th St. in Phoenix, done immediately. Forcing me to interact with and have someone handle my account, my money, that I am not comfortable with and that has already proven incapable, is maybe the worst representation of customer service I have ever seen. Mistakes happen, I get that, and this could have been so easily resolved at many points in the six months since I opened the account. ***** herself had two opportunities to see her mistakes and go in and fix them, and instead she blew it off. I don't know if she is not trained properly, or if this is how BMO Harris trains their people to do business; sneaking fees in and forgetting to deposit money, hoping no one will notice and you come out ahead. I originally believed the first, but in seeing how all this is being handled and the lack of urgency for anyone to correct things makes me lean towards the latter.

Business Response: We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customer's inquiry. We left a message for Ms. Young and followed up with a letter, addressing her concerns. In the interest of protecting our customer's confidentiality, 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.

10/19/2015 Problems with Product/Service
10/12/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I called on 8/11/15 at approximately 12:24pm and spoke with Branch Manager ************ 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 North Willow 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 July 31, 2015 not August 6, 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.

Desired Settlement: DesiredSettlementID: Other (requires explanation) Someone to investigate this matter.

Business Response: Initial Business Response /* (1000, 5, 2015/09/11) */ We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customer's inquiry. A letter was sent to *********** on August 21, 2015 through the CFPB addressing her concerns. In the interest of protecting our customer's confidentiality, 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. Initial Consumer Rebuttal /* (3000, 7, 2015/09/17) */ (The consumer indicated he/she DID NOT accept the response from the business.) Issue unresolved I contacted BMO harris and spoke to a Customer Service Representative and she informed me that my issue will be taking care of and my issue is still not resolved. Final Business Response /* (4000, 9, 2015/09/22) */ BMO Harris Bank addressed the customer's concerns in a response to the Consumer Financial Protection Bureau in a letter dated August 20, 2015. We mailed a copy of the response to the customer again on September 22, 2015. In the interest of protecting our customer's confidentiality, we are not posting the contents of the letter in this forum. Please let us know if we can assist further regarding this matter.

10/6/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I have not used my BMO checking account EVER with checks. I have told BMO several times I do not want their overdraft protection and that I was closing the account and if the money is not there don't charge my account. My PayPal account was linked to myBMO checking account. BMO continues to allow charges to go through this account and then charges me NSF fees and continuous overdraft fees. This is a CONTINUOUS issue with BMO HARRIS. they have not paid ANYTHING, however they continue to allow this company to TRY to take the money out all they can chargeme the fees. I do not now not have I EVER Had pastry checks for this account!!! I just want this accountCLOSED PERMANENTLY! I would like my account bright to a zero balance so I.can do this however BMO will not allow this as they continuously allow these fees to be taken out. I have cancelled ALL payments from my PayPal account that come out of yt? his account. How can you charge an NSF charge if I don't have checks and if BMO had not paid ANYTHING out!!! BMO has NEVER PAID ANYTHING THEREFORE THEY SHOULD NOT BE CHARGING THESE OUTRAGEOUS FEES!!

Desired Settlement: I just want my account brought to a ZERO balance from the -139.00 ALL IN FEES!!! NO ITEMS HAVE BEEN PAID BY BMO!, by reversing these fees they keep charging me! BMO has not paid ANYTHING, therefore there is no reason to charge me fees! I just want the account brought to ZERO AND CLOSED FOR GOOD! BMO IS RUINING MY CREDIT!

Business Response: Initial Business Response /* (1000, 5, 2015/09/24) */ We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customer's inquiry. A letter was sent to Mr. ********** on 9/24/15, addressing his concerns. In the interest of protecting our customer's confidentiality, 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. Initial Consumer Rebuttal /* (3000, 7, 2015/09/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) I was charged another $10 service fee. I have not used this account and BMO just keeps charging me fees. I just want this account closed! Final Consumer Response /* (4200, 15, 2015/09/28) */ (The consumer indicated he/she DID NOT accept the response from the business.) I received the letter however NO WHERE Does it state that this will not affect me as far as my credit report, credit score and check systems. I am requesting in WRITING that NONE OF THESE will be affected. Then I'll consider this matter complete. Final Business Response /* (4000, 13, 2015/09/28) */ We sent a letter to Mr. ********** on 9/23/15, addressing his concerns. In the interest of protecting our customer's confidentiality, we are not posting the contents of the letter in this forum.

10/5/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: We have a loan through Harris for a car that was totaled out by a hit and run driver after owning it for only three weeks. We had full coverage and gap coverage on the vehicle. We had hoped payment from insurance would be made before our first payment. we call Harris Bank to find out how we handle payments since the car was total and we were expecting it to be paid off. We were told by the bank employee that as long as insurance made a payment within the ten day grace period we would not be late or reported on our credit history. Our insurance company made a $12,000 payment to the bank. Now we receive a letter in the mail stating that we are lat on our payments and it is past the ten days where it goes on our credit history. We called the bank on this issue and the people we talked to were not helpful or caring. They stated that the original info we received was wrong and that we had to pay. We are very frustrated with the poor customer service and incorrect original information that they gave us. We would have made the payment if that was the instruction we were given. We have now made that payment which was due

Desired Settlement: We want our credit history fixed. The Bank employee gave us the wrong information when we contact them.

Business Response: Initial Business Response /* (1000, 5, 2015/09/22) */ We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customer's inquiry. A letter was sent to Mr. ****** on September 22, 2015 addressing his concerns. In the interest of protecting our customer's confidentiality, 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.

10/5/2015 Problems with Product/Service
10/2/2015 Problems with Product/Service
9/28/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: In June 2015, I sent in a settlement request letter. The woman assigned to the case, ***** stated she did not receive the paperwork. I refaxed her all the paperwork again in June a 2nd time. When I called to follow up she claimed to have the paperwork. It is now 9 1 2015 and ***** has given me a song and dance to refax the paperwork. I spoke to a supervisor **** who located everything. It is obvious ***** did not do her job. I want an answer from the bank to my settlement offer. Account_Number:***********

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like to have an answer in reference to my settlement offer. Please send me an answer. Thank you

Business Response: Initial Business Response /* (1000, 5, 2015/09/15) */ We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customer's inquiry. Today, the Bank communicated with the customer through regular mail addressing their concerns. Please allow sufficient time for the letter to be received. In the interest of protecting our customer's confidentiality, we are not posting the contents of the response 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.

9/25/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Our good faith estimate was roughly 3100 dollars differ, from 3 categories of the estimate. 800 dollars off on their own origination fee. 1600 off from a grant. 700 off from title costs. Realtor stated title costs are very similar across the board, within dollars, state mandated. Yet ours were 700 different. Grant changed, I was told we were informed, but we were not. The origination fee was 800 different, but not honored.

Desired Settlement: No settlement necessarily needed. Would like them to honor the 800 dollar difference we were told about by our mortgage banker.

Business Response: Initial Business Response /* (1000, 6, 2015/09/14) */ We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customer's inquiry. A letter was sent to the customer on September 14, 2015 addressing the concerns. In the interest of protecting our customer's confidentiality, 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.

9/25/2015 Advertising/Sales Issues
9/21/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I totaled my car on april 14th 2015. I have been fighting with this bank for the past four months to send the required paper work to the gap insurance. my account number is XXXXXXXXXXXXX. the representative that I have been talking to is Jessica you can reach her at XXX-XXX-XXXX then the 3rd option for insurance. I was told last Wednesday that they were going to make a request to send a copy of the service warranty to the gap insurance which is the only thing that I have left for the gap insurance to pay off the rest of the car. however, the lady that I spoke to on Wednesday was off Thursday and Friday which delayed the process even longer than it should have been. it is getting to the point where I have made 4 extra payments on a vehicle that I no longer have.

Desired Settlement: I would just like for them to send of the required paperwork so that the gap insurance can payoff this car.

Business Response: Initial Business Response /* (1000, 5, 2015/09/08) */ We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customer's inquiry. A letter was sent to the customer on 9/8/15 addressing her concerns. In the interest of protecting our customer's confidentiality, 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.

9/16/2015 Problems with Product/Service
9/16/2015 Problems with Product/Service
9/8/2015 Billing/Collection Issues
9/8/2015 Billing/Collection Issues
9/7/2015 Advertising/Sales Issues
9/1/2015 Problems with Product/Service
8/31/2015 Billing/Collection Issues
8/31/2015 Advertising/Sales Issues
8/28/2015 Problems with Product/Service
8/17/2015 Problems with Product/Service
8/14/2015 Billing/Collection Issues
8/10/2015 Problems with Product/Service
8/10/2015 Problems with Product/Service
8/7/2015 Problems with Product/Service
8/3/2015 Delivery Issues
7/24/2015 Problems with Product/Service
7/21/2015 Advertising/Sales Issues
7/20/2015 Delivery Issues
7/20/2015 Advertising/Sales Issues
7/20/2015 Advertising/Sales Issues
7/17/2015 Delivery Issues
7/10/2015 Advertising/Sales Issues
7/9/2015 Advertising/Sales Issues
7/7/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: We received letters in the mail last fall from BMO Harris bank about a promotion of opening a checking account. I did open an Everyday Checking in early October online, and entered the promotion code checkingdm5. I then made the first deposit and established direct deposit to qualify for the bonus of 150 dollars. I have not received the bonus as of now. I called XXX-XXX-XXXX on 5/19 and talked to ***** in their Brookfield office. He stated he would get back to me soon but nothing happened. I called again on 6/15 and talked to ******* since ***** was not in. She stated ***** would call me back the next day but still nothing happened. No calls, no letter in the mail, no money added to my account.

Desired Settlement: Honor the promotion, deposit 150 dollars to my checking account.

Business Response: Initial Business Response /* (1000, 5, 2015/07/01) */ We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customer's inquiry. We spoke to Mr. ***** on 6/26/15 and sent a letter on 7/01/15, addressing his concerns. In the interest of protecting our customer's confidentiality, 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. Initial Consumer Rebuttal /* (2000, 7, 2015/07/06) */ (The consumer indicated he/she ACCEPTED the response from the business.)

7/6/2015 Delivery Issues
6/29/2015 Problems with Product/Service
6/22/2015 Delivery Issues
6/15/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I when into the BMO on 124th St and Burleigh in Brookfield WI (address 3155 N 124th St Brookfield, WI). I have personal accounts at BMO and I was there with the purpose of cashing a petty cash check for the company that I work for. I offered the teller (****) my driver's license. I was demanded to give either my personal account number or my social security number or they would not cash my check. In the past I would give them my drivers license and they would record it and that was fine. I am not giving the bank my account number or my social security number to cash my company's check. I finally gave the teller my account information so I could cash the check for my company because they would not cash the check. I then went and called the bank and talked to the supervisor ********. She informed me that the only way they can cash the company check for me is if they record it against my social security number per government regulations. I said but the money is not for me it is for my company. I asked what happens if I do not have an account at BMO Harris? They explained that if I did not have an account at BMO Harris they would ask for my drivers license and record the license number. I asked why then they could not record my license number and not link it to my social security number. They informed me that because I was a customer with them I had to have the petty cash for the company I work for linked to my social security number. I said but that is not my money and I do not want it linked to my social security number or my accounts as it is not my money. They informed me the only way around that was to close my accounts with them. Why should this be my only option? Why should my social security number and my personal account numbers be linked to my employer's account? This seems unethical to me because the petty cash money is not for me it is for the company I work for. They never told me what the federal regulation that this was because of. I am going to close my accounts but this does not seem like the right way to do banking business. My personal accounts have nothing to do with my employers accounts and should not be linked. I am more then willing to give them my driver's license number to have that on the petty cash check. I feel like I am being penalized for having personal accounts with this bank. I do not want my social security number linked to my employer's accounts. I also think that the employees at the branch on ***** and ******** ** in ********** ** (address **** N ***** ** *********** *** do not know the proper rules and regulations that are in place. These two employees should no longer have jobs at BMO Harris after this.

Desired Settlement: I am not seeking a settlement I am seeking an explanation for the policies and regulations that the bank have in place. I want to know why I have to link my social security number with my employer's account. There should be a change to procedures as customers should not be penalized for having accounts at BMO Harris.

Business Response: Initial Business Response /* (1000, 5, 2015/06/03) */ We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customer's inquiry. A telephone call was made to Ms.******, addressing her concerns. 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.

6/11/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I have called numerous times to get the statements from this Bank stopped. This account was set up by my previous employer and I've been gone over 2 years ago. It was an HSA with a debit card used for medical expenses with $2,000 put in annually. I never set the account up - it was through the employer. I've asked that it be closed - zero balance for over 2 years now and they refuse saying it takes years to fall off - NOT ACCEPTABLE Close the account immediately Acct XXXXXXXXXX and remove from my credit report

Desired Settlement: close the account immediately and remove it from my credit report!

Business Response: Initial Business Response /* (1000, 5, 2015/05/29) */ We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customer's inquiry. The Bank communicated with the customer through regular mail addressing their concerns. In the interest of protecting our customer's confidentiality, we are not posting the contents of the response 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. Initial Consumer Rebuttal /* (3000, 7, 2015/06/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have not received any correspondence from BMO - they are not telling the truth and they need to CLOSE THE ACCOUNT or I'll take legal action. ******* ***** Final Business Response /* (4000, 9, 2015/06/03) */ We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customer's inquiry. The Bank communicated with the customer through regular mail addressing their concerns. This response was put in the mail on Friday, May 29, to the address listed on the customer's complaint. We will place a courtesy copy in the mail today. In the interest of protecting our customer's confidentiality, we are not posting the contents of the response 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. Final Consumer Response /* (4200, 12, 2015/06/10) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not want any more mail from this group. Proof that the account is closed. I did receive the letter on June 6, 2015. All this "privacy" stuff - there is nothing private - there is no money in the account and I did not set it up. Really ridiculous

5/28/2015 Problems with Product/Service
4/28/2015 Billing/Collection Issues
4/27/2015 Advertising/Sales Issues
4/13/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: We attempted to withdraw $260.00 from a *** ATM. The machine malfunctioned after we requested the withdrawal, and "froze". After waiting approximately 30 minutes, we were able to contact a *** Bank representative. We were told that the machine would reset itself, that we did not need to wait at the machine, and that we would be charged or the transaction. We were also told that there would be a video record from the machine, and also a record of the phone conversation. We were told that if we were errantly charged for the transaction, that we should contact our bank = BMO Harris Bank. We were told that BMO Harris would be able to open an investigation, contact *** Bank for confirmation that we never received the cash, and that BMO Harris would help us. Last week I looked at our account and noticed that we were errantly charged for the transaction. I contacted BMO Harris via secure chat on their website. I was told by "****" that there was nothing BMO Harris could do to help me, because the failed transaction took place on a *** Bank machine. Because neither bank wants to help me, I am filing with BBB against both banks to resolve this issue. The ATM transaction # is XXXXXXXXXX.

Desired Settlement: We would like the entire $264.00 refunded to our checking account because we never received the money from the transaction.

Business Response: Initial Business Response /* (1000, 5, 2015/03/31) */ We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customer's inquiry. A representative from BMO Harris Bank spoke with Mr. ********* on 3/31/15, addressing his concerns. In the interest of protecting our customer's confidentiality, 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.

3/31/2015 Advertising/Sales Issues
3/31/2015 Advertising/Sales Issues
3/23/2015 Advertising/Sales Issues
3/20/2015 Problems with Product/Service
3/16/2015 Guarantee/Warranty Issues
2/27/2015 Billing/Collection Issues
2/24/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Bmo harris had a promotion last year for opening new checking accounts.I opened my account in july 2014 and never received $200 bonus.I contacted bmo online and locally in st louis many times and got tired of different answers.Manager at the local branch where I opened my account was not helpful at all.She promised to call me and get this straight but never did.Instead of giving me the bonus they opened another account and now they are charging me fees!,$15 a month.

Desired Settlement: at least $215

Business Response: Initial Business Response /* (1000, 8, 2015/02/13) */ We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customer's inquiry. We reached out to Mr. ************ on 2/13/15 and sent a letter addressing his concerns. In the interest of protecting our customer's confidentiality, 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.

2/23/2015 Billing/Collection Issues
2/20/2015 Advertising/Sales Issues
2/17/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Re: Mortgage loan Account # XXXXXXXXXXXXXX. In Feb 2014 I made two extra principal payments totaling $4,000. In October 2014, I made another extra principal payment of $1,200. The memo line on these electronic fund transfers states that they are to be applied to principal only. These are in addition to the regular monthly payments always made on time. In December 2014, I noticed that they were not properly adjusting the amount of principal/interest applied to the subsequent monthly payments, going all the way back to March 2014. I called their toll free number twice, asking them to correct that. On the second phone call I asked for a manger. They turned my call over to a person named Pablo. He seemed to have no understanding of how the process works. I spent 67 minutes on the phone explaining how the principal/interest should have been adjusted and by how much. He said he would send my "request" up the management chain to see if they would accept or deny it. Two or three times I told him that if it was denied, I want the reason sent to me in writing. I believe that the second phone call to them was on 12/15/14. I can verify the date when I return to work on Monday 12/29/14. As of today 12/28/14 the online account doesn't show the requested corrections. I don't know if there are limitations on how much time I have to get this resolved. I need to get this corrected so I can make extra payments ahead of the required balloon payment due April 2025.

Desired Settlement: Every time I send them an additional payment with "Apply to principal only" in the memo, I want it applied to principal only. And it is very important that they properly adjust the principal/interest paid on all subsequent monthly payments. At this point there should be about $28 more each month applied to principal based on less money owed. I want it adjusted starting with the first extra payment. So far, this year their lack of making adjustment has unfairly cost me more than $230 and it will continue to compound for the length of the loan. I also want it adjusted with each future extra payment automatically.

Business Response: Initial Business Response /* (1000, 8, 2015/01/14) */ We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customer's inquiry. A letter was sent to Mr. ********* addressing his concerns. In the interest of protecting our customer's confidentiality, 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. Initial Consumer Rebuttal /* (3000, 10, 2015/01/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) I somewhat accept the response. The first letter received was an account activity statement that arrived in response to the phone calls. Not what I asked for. The account activity in the statement did not show the corrections that I had requested. However, I did just receive a new statement with the requested corrections. That's great. But the accompanying letter shows that I now have a new account number and new address to send the payments to. The problem is that my next payment along with an additional principal only payment have already been sent to the old address with the old account number. I needed a little more notice. Hopefully, they can take care of this. I want to keep my clean record of every payment on time and in full. Final Business Response /* (1000, 14, 2015/02/06) */ We are in receipt of the rebuttal for the above referenced customer and welcome the opportunity to respond to the customer's inquiry. A letter was sent to Mr. ********* addressing his concerns. In the interest of protecting our customer's confidentiality, 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.

2/16/2015 Problems with Product/Service
2/16/2015 Billing/Collection Issues
2/9/2015 Advertising/Sales Issues
2/9/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: We cancelled our Merchant processing account with ********* with is your registered ISO/MSP due to customer service issues and they been holding $3,350.47 for over 90 days now. every time we ask for our money back we get a response that they are still at "RISK" when we ask for detailed reports about those "RISKS" we get nothing. they are not willing to even give us an ETA of when those funds are going to be released. we already filed a compliant with CA Department of consumer affairs and we will be filing complaints with ************* AG, New York and ******************* of Omaha, Omaha, NE.

Desired Settlement: we would like our money back or detailed reports of the risks analysis and an ETA for the full release of the funds.

Business Response: Initial Business Response /* (1000, 8, 2015/01/27) */ We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customer's inquiry. An email was sent to Mr. ****** on 1/27/15, addressing his concerns. In the interest of protecting our customer's confidentiality, 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.

1/28/2015 Problems with Product/Service
1/16/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: On December 23rd I went and used BMO Harris's ATM and their services charged me a $5.00 fee. I need smaller change and I needed smaller bills, so I went to the drive-up teller and let her know first I had just used their ATM and was wondering if I could get a 10, a 5, and 5 1's. She first asked if I had an account there and I replied no, and let her know again of what I explained above, and she told me that they only offer services to customers. Now I understand if I was trying to cash a check and would understand their refusal, but I was not trying to take any money from the bank, just wanted to exchange even money for smaller bills. I found it very inconsiderate of the teller to not want to help me for a simple request. and would request for all employees to undergo customer service training. I do not have an account at this financial institution, nor will I consider it. I was a paying customer for using their ATM which charged me $5.00, therefore I should've been honored this request.

Desired Settlement: DesiredSettlementID: Other (requires explanation) An explanation of why I was refused this service.

Business Response: Initial Business Response /* (1000, 5, 2015/01/05) */ We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customer's inquiry. We contacted Mr. ****** ****** on 1/5/15, and directly address his concerns. In the interest of protecting our customer's confidentiality, 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.

1/12/2015 Billing/Collection Issues
1/5/2015 Advertising/Sales Issues
1/2/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I contacted customer service via chat to put a merchant stop on **** charges. They charged me $70 - rep said one for check stops and one for electronic stops. Then another charge from **** came in and I chatted again. They said there is no such thing as a merchant stop so I had to pay each time. I paid another $35 to stop the payment I didn't authorize. Then I called in the next time it happened and spoke to a supervisor who said there is a merchant stop and the previous stops had not been done properly. The previous chat rep said the same thing and I have a copy of all of my e-chats with them as well as an audio recording with the supervisor. Today the latest charge of $635.18 from **** is on my account and they haven't reversed it. I was just notified they are charging me insufficient funds for it. This has happened multiple times. BMO owes me for overdraft fees, insufficient fund fees, and stop payment fees for their mistake. I've reached out to them via chat and phone over ten times now and they have refused to do anything other than issue on $35.00 credit.

Desired Settlement: Full refund of all stop payment fees, insuffiicent fund fees, overdraft fees.

Business Response: Initial Business Response /* (1000, 8, 2014/12/22) */ We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customer's inquiry. A letter was sent to Ms. ***** addressing her concerns. In the interest of protecting our customer's confidentiality, 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.

12/30/2014 Problems with Product/Service
12/22/2014 Billing/Collection Issues
12/16/2014 Advertising/Sales Issues
12/16/2014 Guarantee/Warranty Issues
12/15/2014 Delivery Issues
12/12/2014 Problems with Product/Service
12/12/2014 Billing/Collection Issues
12/12/2014 Problems with Product/Service
12/2/2014 Advertising/Sales Issues
11/26/2014 Advertising/Sales Issues
11/24/2014 Problems with Product/Service
11/21/2014 Advertising/Sales Issues
11/20/2014 Advertising/Sales Issues
11/18/2014 Delivery Issues
11/12/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I'm on the DMA do not mail list. I got a direct mail piece from BMO (not my bank) - in ******* - about some checking account special. I contacted their ** page to get an email address so I could contact someone there to be removed. They posted a link to the DMA registry; I said I was already on it, so I want a BMO email to follow up...and they posted that I can opt out through that link. Something's off within their system; I'm disappointed at their lack of ownership of trying to help me (and clearly there's a mix up internally there if I am being targeted in ******* as I don't speak the language). I want to know who at BMO I can email to get removed from their list. It's a pretty simple situation and if this is how they handle it, I'm really glad I'm not a customer.

Desired Settlement: I want a confirmation I have been removed from their direct marketing lists and/or an email address of someone on that team that I can contact to ask to be removed. That's it. Pretty easy.

Business Response: Initial Business Response /* (1000, 5, 2014/11/12) */ We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customer's inquiry. An email response was sent directly to Ms. ***** on 11/12/14 addressing her concerns. In the interest of protecting our customer's confidentiality, 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.

11/10/2014 Delivery Issues
11/10/2014 Delivery Issues
11/7/2014 Problems with Product/Service
10/27/2014 Problems with Product/Service
10/21/2014 Problems with Product/Service
10/20/2014 Problems with Product/Service
10/20/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: First off I had called about a fraudulent charge where I purchased a product from a company but never received it. The bank refuses to do anything about this charge. The company that made the charge is gone and there is no way to get in contact with them. Second the person I spoke with on the phone said that there is no way that I could have done anything even if I had contacted the bank right away. To this I present information from the **** that says "charges for goods and services you didn't accept or that weren't delivered as agreed". Since I never received the product that would mean that I can disbute the charge but I was told that is not how it works. When I told the representative that I have done this in the past and that other people have done this for the same charge she seemed to stop for a bit not knowing what to say.

Desired Settlement: I do believe that BMO Harris Bank is violating the **** in this case and I would like to see the policies fixed, but more than that I would like to see the charge reversed on my account before I close it out and move to a different bank.

Business Response: Initial Business Response /* (1000, 5, 2014/09/24) */ The Bank is unable to respond to the customer with the information provided. Additional information including the date of transaction and amount of the transaction is required for the bank to investigate. If provided with this information, the bank can investigate the claim. Initial Consumer Rebuttal /* (3000, 7, 2014/09/25) */ (The consumer indicated he/she DID NOT accept the response from the business.) There was no response here. The information that was requested is the date of the transaction is March 17th, and the amount is 337.97 Final Business Response /* (4000, 9, 2014/10/05) */ We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customer's inquiry. A letter was sent to Mr. ******, addressing his concerns. In the interest of protecting our customer's confidentiality, we are not posting the contents of the letter in this forum. Please let us know if we can assist further regarding this matter.

10/7/2014 Problems with Product/Service
10/6/2014 Problems with Product/Service
10/6/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: My saga with the HARRIS BANK started in MAY OF 2014. First and foremost, I was told that I should meet with Polish mortgage loan officer ***** ****** to refinance my mortgage. She did not come to the first meeting. She forgot the appointment. I have a witness that I brought to me. She told me to STOP paying my second mortgage with the HARRIS BANK. She told me not to pay the 2nd mortgage, which is with the HARRIS BANK, because they will approve me for the refinancing and reverse all of the fees that I had. Second of all, it took them 2 months to order the appraisal on my home. They gave me the wrong telephone number to even contact for the appraisal. My second mortgage had ballooned and I wanted to refinance the house and pay it off. I trusted HARRIS BANK employee ***** ****** with my credit and financial future. This is what happened. My CREDIT has been destryoed by the HARRIS BANK. I want all the late fees and charges reversed. I WAS NOT approved for the refinance with this bank. THEY HAVE DESTROYED my credit by telling me not to pay. I want all the late history removed from my credit report. I cannot refinance this in any bank due to the misinformation that I received from HARRIS BANK employees. My loan has ballooned and I am stuck without a solution,except to start the loan modification process. I want to refinance this with another lender, but they have destroyed my credit. I want my credit report to be repaired and I want my late fees of 1436.94 to be reversed. *****, loan officer, said I should work with ***** ****** She was not able to work with me, since she went of vacation for 2 weeks. I was then transferred to ********* **** WHO ALSO did absolutley nothing in my case. Finally, I talked with ***** ********* the branch manager, and he also DID NOT PROVIDE ANY SOLUTIONS. This is a useless bank. I feel treated unjustly and discrimnated that they never even called me back, but constantly promised. I now have destroyed credit. Please help me.

Desired Settlement: I want all of my late fees reversed, and I want my credit report to be rectified and corrected that I am not a late paying person Thank you

Business Response: Initial Business Response /* (1000, 8, 2014/09/22) */ We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customer's inquiry. A letter was sent to ****** *******, addressing his concerns. In the interest of protecting our customer's confidentiality, 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.

9/29/2014 Advertising/Sales Issues
9/15/2014 Delivery Issues
9/12/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: On August 5th, 2014, I was notified by the City of *********** *******, the municipality where I reside, that I would be required to grant the City a Right of Way dedication for a small area of the road in front of my home. The purpose of the documents enabled the city to maintain the roadway in front of my home. The city had sent me two documents which they required both BMO Harris Bank, and ****** to sign and notarize, granting their consent to this dedication. My loan number with BMO is XXXXXXXXXX, and I had submitted the forms to both banks also on August 5th. The roadway was not being sold to the city under eminent domain, and no sales contract was involved. ****** immediately processed the document, and returned it to me free of charge by overnight **** BMO Harris on the other hand, requested for me to complete a document titled 'Application for Release of Security,' and requested for me to pay a $250 fee for a 'Partial Release of Real Property.' I called and spoke to **** ****** at BMO (XXX-XXX-XXXX) who told me that the 'Partial Release Fee' was required, even though I was not releasing any security or providing the city a partial release of real property. It seems to me as though BMO is confused by the City's requirement, and is charging me fees that are absolutely not warranted for what they're being asked to do. I am required to complete these forms, and need BMO's reasonable assistance to complete them.

Desired Settlement: BMO should be able to complete the required municipal forms, without charge. Processing of these forms should not take 30 days.

Business Response: Initial Business Response /* (1000, 8, 2014/08/27) */ We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customer's inquiry. A letter was sent to Mr. ***** on 8/26/14, addressing his concerns. In the interest of protecting our customer's confidentiality, 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. Consumer Response /* (2001, 16, 2014/09/12) */ The consumer indicated ONLINE that the business responded to this complaint to his/her satisfaction. He/she also stated: BMO Harris resolved the complaint to my satisfaction.

8/28/2014 Problems with Product/Service
8/26/2014 Billing/Collection Issues
8/12/2014 Problems with Product/Service
8/4/2014 Problems with Product/Service
7/23/2014 Advertising/Sales Issues
7/22/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: When I set up my checking account # XXXXX-XXXXX I specifically told the bank that I wanted no overdraft protection, yet in the last year I have been over drafted twice. After the first overdraft charge I personally went to the bank and they assured me that this would never be an issue again so I did not seek recompense. After receiving the notice in the mail for the second overdraft charge I promptly called their local branch and they stated to me that if the charge against my account was less than $10 that they could overdraft my account at their discretion.

Desired Settlement: All I am seeking is the $70 that was wrongfully removed from my account for the two unauthorized overdraft fees.

Business Response: Initial Business Response /* (1000, 5, 2014/07/10) */ We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customer's inquiry. A letter was sent to Mr. ***** on July 10, 2014, addressing his concerns. In the interest of protecting our customer's confidentiality, 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.

6/30/2014 Problems with Product/Service
6/16/2014 Problems with Product/Service
6/10/2014 Problems with Product/Service
6/10/2014 Advertising/Sales Issues
5/28/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Worst bank I have ever dealt with, *****ed up home loan, took forever to close, many many mistakes. They had just bought out M&I bank so I was pawned off on the terrible BMO bank. Received gift cards as part of purchase of home through BMO, was told they never expired so they sat for a bit. I check today and see 3$ a month in Service charges have been accumulating monthly. Service for WHAT? How does this cost the bank money? it is just a way to RIP OFF customers like myself and punish us for not using the cards right away. I would like the bank to explain what service they are providing by letting a balance sit on a gift card that costs the consumer 3$ a month. RIP OFF. I will be very vocal and have been about the worst bank I have ever dealt with....BMO harris. The chain of ***** *** leading up to this sounds fictional...but it is not. Unbelievable that a bank that we trust to hold our money can make so many mistakes. Word of mouth travels quickly...I use every chance I get to tell others about how terrible this bank is!

Desired Settlement: I want ALL service charges refunded to my gift card. It would be nice if BMO just went out of business too or spits back out M&I bank which was great....pre-BMO.

Business Response: Final Consumer Response /* (450, 5, 2014/05/28) */ The consumer indicated ONLINE that the business responded to this complaint to his/her satisfaction. He/she also stated: The manager of the ******** ** bank branch contacted me and is being a big help. Closing the complaint as I never intended this to reflect badly on the ******* branch and I am satisfied overall with the bank's responsiveness. I have had my issues with BMO corporate, but they are trying to help now which is encouraging. Also, I could not be happier with the response I received from the local bank branch manager which was formerly M&I bank and now BMO. I realize mergers and acquisitions can be painful and wish BMO the best of luck.

5/23/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I opened a second mortgage with M&I Bank and they sold it to BMO Harris Bank which has stated that they no longer will provide the type of loan I have and are requesting payment in full. I informed BMO Harris Bank that the terms they are stating were not apart of the agreement I signed with M&I and requested they provide me the in writing where I agreed to change terms. They have not responded and now I adding outrageous late charges while I continue to make the agree to monthly payments on time. It appears that BMO Harris has purchased the loan to change the terms and force me to refinance at a higher rate. Product_Or_Service: Home Loan Account_Number: **************

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like BMO Harris to honor the agreement that was signed with M&I when they purchased the loan.

Business Response: Initial Business Response /* (1000, 7, 2014/05/12) */ We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customer's inquiry. A letter was sent to Mr. ****** on May 12, 2014, addressing his concerns. In the interest of protecting our customer's confidentiality, 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.

5/12/2014 Problems with Product/Service
4/28/2014 Advertising/Sales Issues
4/28/2014 Problems with Product/Service
4/15/2014 Billing/Collection Issues
4/7/2014 Delivery Issues
4/7/2014 Advertising/Sales Issues
4/4/2014 Guarantee/Warranty Issues | Read Complaint Details
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Additional Notes

Complaint: I requested to have my interest of 6.999% lowered. BMO Harris agreed to lower it by 2%. However, Mr. ******* ***** at the ********* office told me that he will report my loan to the credit agencies as delinquent if he lowers my interest rate. Since I took out the loan in 2006 following my husband's passing my payments have been automatically withdrawn from my BMO Harris checking account, and no payment EVER BOUNCED. This is a loan MODIFICATION. Reporting my loan as delinquent is falsifying information.

Desired Settlement: I would like BMO Harris to lower my interest by 2% as agreed. I want a letter in writing from Mr. ******* ***** that he WILL NOT REPORT MY LOAN AS DELINQUENT. I believe that he is trying to scare me into continuing to pay an interest that is requiring huge sacrifices on my part.

Business Response: Initial Business Response /* (1000, 5, 2014/03/04) */ BMO Harris Bank mailed correspondence to Ms. ******* on 3/4/14 with details concerning her requested loan modification. Initial Consumer Rebuttal /* (3000, 7, 2014/03/04) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have filed a complaint against BMO Harris Bank and specifically Mr. ******* ****** Therefore their response should be detailed to the Better Business Bureau in relation to my complaint. The contents of their correspondence allegedly mailed on March 4, 2014 is not shared with the BBB. BMO Harris Bank should be required to inform the BBB of the following: 1) I have accepted their offer to modify the balance of my loan of approximately $90,000 by 2%. 2) As a result of modifying my loan by lowering the interest rate Mr. ******* ***** may NOT lawfully report my loan to the credit reporting agencies as delinquent as IT WAS NEVER ONCE LATE OR DELINQUENT SINCE IT WAS TAKEN OUT. Final Business Response /* (4000, 23, 2014/04/04) */ CustomerFeedbackTeam <********************@bmo.com> Fri, Apr 4, 2014 at 2:14 PM To: "*******@chicago.bbb.org" <*******@chicago.bbb.org> Hi ****, We recently received another rebuttal regarding case #XXXXXXXX. You and I spoke regarding this matter on the telephone last week. We are requesting you close the issue. The request for modification was denied and we are not reporting the customer as delinquent. Thank you for your help! ***** ***** ************ Customer Feedback & Complaint Management Team Process Management, N.A. Delivery US P&C BMO Harris Bank ********** Operations Center **** E *********** Rd, *********** ** XXXXX Tel: ************ Fax: ************ ******************@bmo.com Final Consumer Response /* (4200, 11, 2014/03/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) After providing Mr. ******* ***** of BMO Harris Bank with all the numerous documents he requested he OFFERED me a 2% reduction modification of my loan. The only reason why I did not accept it is because he informed me that he would report my loan as DELINQUENT, which it NEVER WAS IN THE ENTIRE LIFE OF THE LOAN, EIGHT YEARS TO DATE. Reporting my loan as DELINQUENT is unlawful since it never was. I faxed Ms.****** BMO Harris Bank's letter to me, dated March 4, 2014. Nowhere does the letter mention Mr. *****'s warning about reporting my loan as "DELINQUENT". Instead there is a vague reference: "******* again explained how a reduced payment plan would work and the possible credit impact". It is obvious that BMO Harris Bank is operating in questionable ways, dealing with me solely by telephone, except for the letters I received after my BBB complaint. BMO Harris Bank is unequivocally taking advantage of a widow and a senior, an easy target. The company is targeting women and seniors, discriminating against us. Please do not let BMO Harris Bank get away with profiting from us, causing us to sacrifice our most basic needs, such as prescription coverage.

4/4/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: ON 3/20/14 OUR BANK ACCOUNT WENT NEGATIVE TWICE THROUGHOUT THE DAY. I MONITOR THE ACCOUNT CLOSELY SO I MADE TWO TRANSFERS TO BRING THE ACCOUNT INTO POSITIVE STANDING. THE SECOND TRANSFER DIDN'T POST UNTIL THE 21ST FOR SOME REASON SO HARRIS ISSUED AN OVERDRAFT FEE TO US. THIS SHOULDN'T HAVE BEEN ISSUED SINCE I DID THE TRANSFER BEFORE THE END OF THE BUSINESS DAY ON THE 20TH SO THE ACCOUNT WAS IN POSITIVE STANDING.

Desired Settlement: THE OVERDRAFT FEE NEEDS TO BE TAKEN OFF THE ACCOUNT SINCE IT WAS ENTIRELY BANK ERROR.

Business Response: Initial Business Response /* (1000, 5, 2014/03/24) */ We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customer's inquiry. A telephone call was made to Ms. *******, addressing her concerns. The issue was resolved to the customer's satisfaction. 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.

3/31/2014 Advertising/Sales Issues
3/27/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: After paying 495.00 for a appraisal we heard nothing from the mortgage banker. My husband contacted him and was told he had to check on it and he would call back. And he never did. Then I recieved a call from a underwriter she told me she had to talk to the other guy and she would call back. Never heard from her after that. So I conducted other business at the bank and recieved a call from a manager to see if I was satisfied with the other business and when I told her about the other problem she said she would call back which she did. But after speaking with my husband she told him she would have her manager call and that never happened. On 3/17 I asked a teller at the bank about our copy of the appraisal and she told me to write down my name and # and she would have him call when he came in. Never heard a word until I sent in a email then all of a sudden I get a call and he was passing the buck to another group of people at the bank. This is not what he told us when we came in in the beginning of the whole process. I feel our funds should be returned because this is no means any way for a big bank to conduct business I don't care how many different groups works on something I cannot believe no one knows how to use a telephone. And still we have no clue on the outcome of all of this. It is pretty bad when a business can rush to take someones money and after that they wash there hands of you.

Desired Settlement: The bank should refund us of our 495.00 for the way we were just left in the dark no matter what we tried. As of today we still do not know the jist of the refinance. All we know is we are out 495.00

Business Response: Initial Business Response /* (1000, 5, 2014/03/26) */ We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customer's inquiry. A letter was sent to Ms. ******** on 3/26/2014, addressing her concerns. In the interest of protecting our customer's confidentiality, 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 Final Consumer Response /* (2000, 7, 2014/03/27) */ (The consumer indicated he/she ACCEPTED the response from the business.) I accept this unless when I recieve the letter if they do nothing else in the matter I will reopen the complaint. There is still the matter of unanswered questions and as far as contacting the person we originally met with to answer is still impossible. He has no answers.

3/24/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: after four failures of bmo harris to set up our autopay, they commenced harrassing us about payment with numbers at which you'd be disconnected after many prompts. I finally called via a number I sought out and told them I wanted to pay off and sever ties but without fees and originations, was told I had to speak with ************** and put through to her voice mail,she refused to call us back and they sent out a repo company and took the car. We were begging to payoff and go separate ways! could not even call us back after all the failures in their process, inept phone system, and request to pay them off and be done. Now our credit will be harmed and we are awaiting how much extra they will attempt to make us pay for the repossession. had they ever called back from my message, or to inform us about repossession it would have immediately been rectified.

Desired Settlement: I want to pay the principle and any and all damages to my credit erased. they will pay the fees for the unnecessary repossession they did out of unwillingness to call and work out our payoff. And an apology for their total failure as a bank and loan service; inability to setup our autopay after we faxed all info four times with confirmation of receipt, and all the dead phone numbers left to call to correct the payments not received resulting from them not setting up the autopay.

Business Response: Initial Business Response /* (1000, 5, 2014/03/13) */ We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customer's inquiry. A letter was sent to Mr. ******** on 3/13/14, addressing his concerns. In the interest of protecting our customer's confidentiality, 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.

3/10/2014 Advertising/Sales Issues
3/10/2014 Advertising/Sales Issues
2/28/2014 Advertising/Sales Issues
2/25/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I am writing to inform your office of how BMO Harris Bank N.A. has continously for consecutive years since December 2010 incorrectly calculated my escrow analysis statement which determines the forth coming year's monthly remittance amount. BMO Harris Bank N.A. also states that I owe an escrow shortage of $2617.01 and that I would have to pay a monthly amount of $1139.26 for the year of 2014 in order to bring it current. I believe those calculation are incorrect. The calculations that BMO Harris Bank N.A. is insisting that are applicable to me are based on a standard conventional fixed-rate mortgage loan agreement and the escrow account terms associated as opposed to a ******* for ********* loan agreement which I currently hold, that qualifies home buying applicants with a 0% interest conventional fixed-rate mortgage loan where the appreciation of value in the property is due by the maturity date of the loan serviced by and to the standards of ** **** ******* for ******** and BMO Harris Bank N.A. and associates. According to my documented loan terms by default, my monthly payments should not exceed $826.00. I am seeking a resolution to the demands of BMO Harris Bank N.A. for me to pay the miscalculated amount of $1139.26 per month for the year of 2014. I oppose of the demands and I believe they are unfair attempts to get me to repay an erroneous shortage balance in my escrow account. The escrow disclosure statement, bills and the most recent repayment plans offered to me by BMO Harris Bank N.A. are contradicting. I have also recently furnished copies to your office of the repayment plan that was determined then re-determined making this a lengthy grievance process. Given the current binding time restraints, my main concerns are to have a reasonable payment plan offered to me that adheres to my loan agreement. The monies from my escrow account with BMO Harris Bank N.A. are supposed to be set up to fulfill payment on my mortgage, taxes and insurance for my home on the 1st of June and September of every year. Please consider assisting me with resolving the referenced issues in a timely manner. Thank you, ***** *********

Desired Settlement: I would like to have a reasonable payment plan offered to me that adheres to my loan agreement. The monies from my escrow account with BMO Harris Bank N.A. are supposed to be set up to fulfill payment on my mortgage, taxes and insurance for my home on the 1st of June and September of every year. Please consider assisting me with resolving the referenced issues in a timely manner. Thank you, ***************

Business Response: Initial Business Response /* (1000, 5, 2014/02/14) */ The Bank worked with ******* for ******** regarding this matter.******* sent the customer correspondence on 2/14/14 addressing her concerns.

2/24/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Dear Sir/Madam, My name is ******* *** I live in *** ***** ***** Ct, ******* ***** *** I am writing to complain the BMO Harris Bank service. In 2013 January 4, I went to a BMO Harris Bank (used to be *** bank bought by BMO Harris bank) branch at **** W ********* Ave, ********** *** I opened two new CDs with each 25K. The total 50K used the money transferred from my money market account. Before doing that, I ask BMO banker and was told and confirmed by BMO bankers there would be no service charges to my money market account no matter what because these two CDs were still under my name. On Februarys 1, 2014, I went to BMO Harris Bank located at **** North ******* Road to check my account balances, I found my money market account was charged service fee, after discussing my situation with ***** ******** Vice President of BMO Harris bank, I received the two months (Jan 2014, and Feb of 2014) service fee refund. On Feb 3 2014, two days later, I learned my account had been charged services fee since Feb 2013. I have been a BMO ***** customer for more than 10 years, I never thought this kind of issue would happen. As this is by no means my fault, here is my request for BMO Harris Bank: - Refund the service fee (Feb 2013 to Dec 2013) total 11 months $220. Meanwhile, we keep the right to take other measures to solve this issue. I will be appreciated if you can help solve this issue. Please let me know if you need any information for further investigation. Yours sincerely ******* ** Email: **********@.yahoo.com Phone: ************ (Mobile Phone)

Desired Settlement: As this is by no means my fault, here is my request for BMO Harris Bank: - Refund the service fee (Feb 2013 to Dec 2013) total 11 months $220.

Business Response: Initial Business Response /* (1000, 5, 2014/02/13) */ The bank responded to the customer's concern and provided a refund. Final Consumer Response /* (450, 9, 2014/02/24) */ The consumer indicated ONLINE that the business responded to this complaint to his/her satisfaction. He/she also stated:

2/13/2014 Billing/Collection Issues
2/3/2014 Problems with Product/Service
2/3/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Account w as supposed to be canceled since May 2013. They have charged me over $500 in fees and are saying they didn't receive my return sw iper and soc The company has been illegally debiting my account since May 2013 even after I canceled, provided the documentation and resent the sw iper. They said they w ould refund ALL of the debits, but have never done so. Recently they refused to refund as w ell as cancel. They w ish to charge me $70 additional to cancel my account even though all the proper items w ere sent. I have EXTENSIVE documentation on this. Further they have been debiting my account $44.95 a month w hen the agreement w as for $25.00 minimum. Overall they are now illegally taking funds and if this dispute does not restore ALL charges and cancel my account, w e w ill be going to court. My Account Information Below Setup Date : 2013-04-16 11:19:05 Business Name : *************** Address : **** ****** BLVD Suite/Bldg. : STE 102 City, State Zip : ************* XXXXX Contact Name : *** ******* Contact Phone : XXXXXXXXXX Contact Email : ****@**************.COM Business Type : LANDSCAPING, HORTICULTURAL SERVICES Processor : VITAL Merchant Number: XXXXXXXXXXXXXXXX Vital ID: VXXXXXXX *** Setting : Yes- Check *** Card Option : ************************

Desired Settlement: Full refund of all Debits 9 x $44.95 Cancellation of account Formal apology

Business Response: Initial Business Response /* (1000, 9, 2014/01/21) */ The Bank responded to the customer on 1/8/2014. The customer's merchant account is now closed and next steps in place to continue to resolve matter.

1/31/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: On 1/3/14 I started the process to change the auto debit for my car loan to a new account. After two visits to a local branch, a phone conversation with a branch banker, two separate mailings requiring more information and a conversation with the national customer service, I still do not have my new auto debit set up. I use auto debit for other bills and was able to make the change online in minutes. This process was not available online with BMO Harris and I am still in a holding pattern with them nearly a month later.

Desired Settlement: Get this taken care of so that I don't have to waste more time on this issue.

Business Response: Initial Business Response /* (1000, 5, 2014/01/30) */ This issue was resolved for the customer on 1/30/14. Final Consumer Response /* (2000, 7, 2014/01/31) */ (The consumer indicated he/she ACCEPTED the response from the business.) BMO reached out and worked through the issue with me. Although this issue is resolved, I am not happy with the amount of time and energy that was put into this as compared to the other financial institutions that I do business with. As an individual with a loan, if I was as disorganized with the way I handled things I would surely be penalized with late fees and dinged on my credit report. In the end, BMO's policies are not aligned with other major financial institutions that I do business with and their customer service (prior to filing this complaint) was seriously lacking. I would not recommend to others that they do business with this bank based on this experience.

1/28/2014 Billing/Collection Issues
1/27/2014 Advertising/Sales Issues
1/20/2014 Problems with Product/Service
1/20/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: account #XXXXXXXXXXXXXX. Made a payment over the phone to a live person. They took out two different amounts. This was done on 12/11/13 & it is now 12/19/13 & I still don't have my funds. Everytime I call to get this resolved I get different employees who promise me they will look into it & get it resolved. I was told on Tuesday 12/17/13 by ******* ******* his supervisor *******, ***** & her supervisor *****, that a check in the amount of $362.26 was being issued to me the next day & then over nighted to me. Waited all day 12/19/13 & was even told by ******* & other employees that the refund had already been sent out. When I pressed for a tracking # ******* was going to have to call me back. I also asked about the coverage of the fees I am incurring from bill collectors that the money they took from me was for & he asked me to send them to him. I sent him an email @12:11 & I received a phone message from ******* around 3pm that he had not received the email yet. I have been trying to call him back & no one will let me talk to him. Please help!

Desired Settlement: I want the funds refunded back to me & the funds for the fees from my bill collectors.

Business Response: Initial Business Response /* (1000, 7, 2014/01/09) */ The Bank's response to the customer is attached

1/13/2014 Problems with Product/Service
1/2/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: My Wife an I have a checking account (now closed) at BMO Bank. My adult son, who lives in another town has a checking account at BMO Bank (now closed)My sons account became overdrawn. BMO Bank took without any notice or warning $561.72 from my account on November 15,2013. Five days later (November 20,2013) they sent me a backdated notice that they would debit my account in that amount. Ive been with M&I/BMO Bank since Dec 1,1994 and this is how they respect there long term customers. Ive closed my account as i will not have anything to do with a Thief.

Desired Settlement: $561.72

Business Response: Initial Business Response /* (1000, 5, 2013/12/23) */ BMO Harris Bank N.A. (the "Bank") is in receipt of the complaint filed 12/14/13 by ******* *****. In his complaint, Mr. ***** claims that the Bank took money from Mr. and Mrs. *****'s joint account without notice. We have reviewed the matter and provided the following response. Pursuant to our account agreement with the customer, the Bank has the right to take funds without notice unless required by law from accounts owned by the customer and apply them to the outstanding debt on another account owned by the customer, either individually or jointly. This is known as the right of setoff. The Bank acted in accordance with our rights of setoff as disclosed in our account agreement. However, as a courtesy, we will be refunding Mr. and Mrs. ***** the fees that were included in the right of set off amount. We trust this response addresses the issues brought forth in the complaint. Final Consumer Response /* (3000, 7, 2013/12/30) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have recieved a Check in the amount of $452.00 from BMO Bank. This is their Courtesy. However, this is not the full amount that BMO Bank has STOLEN from my account. Final Business Response /* (4000, 9, 2014/01/02) */ The Bank acted in accordance with our rights of setoff as disclosed in our account agreement. Mr. ***** may reach me at (XXX) XXX-XXXX for further clarification.

12/26/2013 Delivery Issues
12/24/2013 Advertising/Sales Issues
12/17/2013 Advertising/Sales Issues
12/16/2013 Problems with Product/Service
11/29/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Car loan was 2003-2008. I thought loan was paid. Never received any correspondence from bank that there was a balance remaining. Now when trying to sell vehicle the $500 is a problem. I can not believe that they do not have any obligation to let the consumer know that the balance is remaining. I have to find out via a credit report. It is difficult to try and fight this charge five years later and they are not willing to neogiate anything. I talked with Donna at BMO Harris who is a manager and she indicates that there is no one above her to talk to to. She said to file a credit bureau dispute but I can't because I am in the middle of a mortgage approval and can not have any disputes listed on my report. So I'm stuck.

Desired Settlement: Either remove the dollar amount or neogiate payment.

Business Response: Initial Business Response /* (1000, 5, 2013/11/18) */ Thank you for your recent correspondence dated November 15, 2013 addressing the concerns filed by Ms. **** ****** in regards to her loan account with BMO Harris Bank, N.A. We believe the following information will address her concerns and explain our position regarding this matter. Upon receipt of this complaint, we contacted the credit reporting agencies in order to verify how this account was reporting. We were advised that ***** ***** and ******** are reporting this account accurately as "Paid in full/Closed" since 2008. Unfortunately, ******* was reporting the account as an open account, with a balance of $519 due (there were no derogatory marks reporting). We have since sent an update to Equifax to report this account as "Paid in full/Closed" with a $0 balance owed as of 2008. Please allow up to 10 business days for Mr. and Ms. ******'s credit report to reflect this information. In addition, we found that the account was still in an 'open status' due to the $519.13 remaining on the account, which was for outstanding late fees. A request was submitted to our Loan Servicing area to waive those late fees as a courtesy. Since the account now has the closed status, a lien release will be sent to the address on file ***** ******* LN, ****** ******* ** XXXXX). Please advise Ms. ****** that if she would like to have the lien release mailed to the address submitted with this complaint ***** **** ******* ***** **** ***** ** XXXXX) or a different address, she can contact me directly to ensure a quicker turnaround time. We trust this response clarifies our position in this matter. If you have any questions or need any additional information, please contact me at (XXX) XXX-XXXX. Sincerely, ******** ******** Bank Officer Enterprise Risk & Portfolio Management

11/18/2013 Delivery Issues
11/15/2013 Problems with Product/Service
11/12/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: In January 2013 I requested instructions for closing my savings and checking accounts. I was told (in writing) that they would automatically close within a certain number of days after the accounts reached a zero balance. The zero balance was reached in February 2013. The savings account was closed the checking account was not (due to a computer "glitch" they say). In October 2013, a 1 1/2 year old check (from a company which owes me money, but that's a whole other story) was presented against the checking account which should not have existed at this point. If the account had indeed been closed, the check would have been declined. Instead, the check was paid even though there was no money in an account that wasn't supposed to exist. The bank said they were sorry...I had indeed followed the directions they sent, and even though they messed up, they are not willing to make it right.

Desired Settlement: Make it right. Zero out the balance and close my account. And, in the future, stand by your word. Show a little integrity and accountability for your mistakes.

Business Response: Initial Business Response /* (1000, 5, 2013/11/12) */ BMO Harris Bank has credited your account, bringing the balance to zero. Per your request, the account has been closed. Final Consumer Response /* (450, 8, 2013/11/12) */ The consumer indicated ONLINE that the business responded to this complaint to his/her satisfaction. He/she also stated:

11/11/2013 Problems with Product/Service
11/7/2013 Problems with Product/Service
11/1/2013 Advertising/Sales Issues
10/29/2013 Advertising/Sales Issues
10/26/2013 Delivery Issues
10/21/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have had multiple interactions with this bank regarding their online system. I spoke with *** ******** Sr. Personal Banker on 2 separate occasions and have had multiple overdraft returns because their online system is deceptive and doesn't keep updated available balances, ending up causing a customer to overdraft so the bank may collect fees. The bank also has denied clearing a rent check for over $2500 which would have cleared had they not cleared $180 check which caused the account to go into the negative by $10, though the rent check came into the bank prior to the $180 check. This caused significant financial issues on my end. Had the $180 check been returned as it should have been due to MY oversight, then I would not have incurred over $200 in fees from my apartment complex but a simple $25 fee for a returned check and the overdraft fee, that I would have been more than willing to pay. However, because of the bank's processing of the transactions, I requested the overdraft fees be eliminated as I had done my duty in how I set up the transactions. I thought I had fixed my situation and was cautiously watching my account. On Saturday, 09/28/13 I checked my account and felt comfortable with the balance shown to purchase some personal items as well transportation items. Then today, upon logging into my account, I was stunned to learn that I was actually minus $600 that was not reflected in the balance on Saturday. Had the pending transactions been taken into account within the available balance given, I would have been far more conservative with my funds. Now, given the lack of valid information from their banking system, I will have less than $100 to live on for the next two weeks. I make a substantial amount of money and this is just ridiculous that I cannot even afford to purchase food for my family because I was lied to. I feel I was doing my duty and living up to my responsibility of watching my bank account and monitoring it closely, but due to their deceptive online banking system, I was not given the proper information or given the opportunity to decide on a different spending path. Because this is now the 3rd time within a month and a half that I feel the bank has not reflected valid information to me, I am closing my account. I, as the consumer and account holder am held accountable, when in reality the bank is not giving me ALL the information I am due to make an informed decision. This bank should be forced to update their systems to real time as transactions take 2-3 days to clear and be reflected properly, leaving the customer feeling as though their given available balance was a farce. For instance, I had a $14.00 transaction made on 09/27/13 around 8am, however, its 10/01/13 and the transaction is still pending. Most banks clear transactions made by noon that same day. And any transactions after are pending but still reflect in the available balance, simply not so with BMO Harris. They are out to obtain as many fees as they can by lying to me about my money.

Desired Settlement: I am not seeking any settlement, but would like to see this bank forced to update their systems so that other customers do not end up with the same problems I did. I would also like to receive an apology letter from the bank. I do not claim to be an expert at accounting, but I do feel that having an adequate online banking system helps the consumer in not over-drafting their bank account, especially when the time to check every number simply isn't available. I trust a bank with my money and should be able to trust them to reflect my balance as true, sadly this has not been my experience with BMO Harris.

Business Response: Initial Business Response /* (1000, 5, 2013/10/09) */ Contact Name and Title: ***** ******** AVP Contact Phone: XXX-XXX-XXXX Contact Email: *************@bmo.com ***** ******* AVP Online Production Support BMO Harris Bank *** ** **** **** **** ******* ***** ** XXXXX October 9, 2013 ******** ******* *** ****** ** ******** ** XXXXX Dear Mr. *******, Thank you for taking the time to contact the Better Business Bureau regarding your recent experience with BMO Harris Online Banking. We were very sorry to hear that you encountered difficulties and found our system to be confusing. It is our intention that our online and mobile banking platforms make banking easier so it is certainly distressing for us to hear that you found the opposite to be true. We constantly make changes to improve our systems. This weekend, October 12, we are launching a completely refreshed version of our website to make navigation and account management easier for our customers. We regret to hear that you intend to close your account. While we agree that real time transaction reporting would be ideal, it is not currently an option for all transactions, specifically checks written or sent through the bill pay service. Those transactions are not reflected in the available balance online until the checks are presented for payment. The system does, however, permit customers to manually record pending checks and ACH transactions to help monitor balances. We do our best to provide the most accurate and up to date information possible on our website. Your available balance as viewed through BMO Harris Online Banking does take pending debit card items into account; we apologize if that was not clear. With regard to the allegations presented in the first paragraph of your complaint; a rent payment for $2544.20 was presented via ACH withdrawal on 09/03, and check #9900 for $183.00 was presented for payment for the first time on 09/06. The rent payment being returned on 09/04 had nothing to do with the presentation of the check in question. The rent payment was returned because the balance at the end of business on 09/03 was -$49.48. We spoke with *** ******* who explained that of the three overdraft charges incurred in September, two were reversed because we were concerned there was some confusion and we were trying to work with you while you became more familiar with the system. On September 24, check #1003 for was issued for $60. This check was presented for payment on Oct 7; the balance in your account was $3.56. As a result the check was returned and an NSF fee was charged on 10/08. As an additional courtesy we reversed that fee today. BMO Harris Bank is committed to serving its customers and delivering an exceptional online experience. Should you have any questions, please do not hesitate to contact me directly. We appreciate your business. Sincerely, ***** ******* ***** ******** Online Production Support Telephone (XXX) XXX-XXXX *************@bmo.com

10/18/2013 Problems with Product/Service
10/18/2013 Advertising/Sales Issues
10/14/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: 10.3.13 7/5/13 I paid $100 cash to the ****** bank tellers ******* & 7/25/13 i paid $460.63 cash to teller ****** at the ************* bank ************************************. *** ****** bank tellers lost my payments & didn't update my auto loan account#**********. on 8/8/13 I called & faxed my receipts to rep' ******** ************ ext. ****, ************ fax after I called ************ ****** bank automation system to check my account & payment history which stated the above payments weren't listed. around 8/12/13 I spoke with ******** again who apologized & said *** would eventually update my account and produide a $10-$20 gift card for my troubles. I received a letter dated 9/4/13 from *** office **************************************************** ********************-saying my account was properly updated showing $100 & $460.63 paid. but *** didn't include a gift card etc.

Desired Settlement: 10.3.13 I would like ********** bank ************ to honor ********'s guarantee of again a 410-$20 gift card to me because initially 2 ****** bank tellers in ************* miksplaced my 2 car payment. then I had to go through a lost of trouble and spend time tracking down my payments, making phone calls, and writing letters to have ****** bank mistakes corrected. i'm a new customer and just purchased my 2011 Nissan rogue in may this year. why do I have to be burdened with extra work because ****** bank makes mistakes. I want a gift card to a restaurant, *****, *******, ******* etc in the amount of $20 or more. I will keep pursuing this matter until I get it! and don't make anymore mistakes!

Business Response: Initial Business Response /* (1000, 5, 2013/10/09) */ see attached Final Consumer Response /* (2000, 7, 2013/10/14) */ Re: BBB Complaint Case#********(Ref#**********-********-******) 1 message ************* <******************> Sat, Oct 12, 2013 at 12:33 PM Reply-To: ************* <******************> To: "Better Business Bureau (Do Not Reply To This Email Address)" <**************************> 10/121/3 I received a $25 gift card from ********** Bank for the inconvenience... Thanks for your help *** :)

10/4/2013 Problems with Product/Service
10/4/2013 Problems with Product/Service
10/1/2013 Advertising/Sales Issues
9/26/2013 Advertising/Sales Issues
9/23/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: BMO harris bank after three months have failed to provide title of my jeep to the ****** for registration. This has put me in a bad spot because i am on the edge of getting fired from my job. I am in the Military and have spent over $200 on taxi just to make it to work. I have called them over 26 times and I get the same story. I have used my personal money and time to get the situation fix. They have one of the worst service I have ever seeing. I have not missed one payment on this vehicle and believe we deserve better service than what they are providing. The DMV have asked them for information back and they refuse to answer back.

Desired Settlement: I am requesting the title is realesead to the ******************** I am requesting that $300.00 is paid to me for their negligence (Taxi Service) I am requesting $200.00 for phone use and time wasted calling them and not resolving my issue I request the title is mailed overnight so I can register the vehicle so I can make it to work. and finally if they can fix my issues I would like to return the vehicle with no penalty to me

Business Response: Initial Business Response /* (1000, 5, 2013/09/06) */ Complaint Case#********(Ref#XX-XXXXXXX-XXXXXXXX-X-XXX) 1 message ************* <************@bmo.com> Fri, Sep 6, 2013 at 8:57 AM To: "*******@chicago.bbb.org" <*******@chicago.bbb.org> Please provide an account number or VIN number. We cannot find any record of this customer having a loan with us. ****** PLEASE NOTE THAT MY EMAIL ADDRESS WILL CHANGE 5/24/13 TO: ************@bmo.com ************ Vice President Collateral Release Retail and Business Lending Operations ************************************* XXXXX Phone (XXX) XXX-XXXX Fax (XXX) XXX-XXXX MC XXXX XA **************. Office (XXX) XXXX-XXXX Final Consumer Response /* (3000, 7, 2013/09/06) */ (The consumer indicated he/she DID NOT accept the response from the business.) BMO Harris is asking for my account #XXXXXXXXXX --------------------------------------------------- 9-6-13 additional info from consumer: I called Harris bank and gave them my account # which is XXXXXXXXXX and my account came up. I do not understand why they are saying tha I am not a customer. here is again my information ***** ******************* Acct # XXXXXXXXXX If situation resolved!!!! Final Business Response /* (4000, 9, 2013/09/09) */ THE CUSTOMER MOVED FROM ** TO ** AND THE ** TITLE WAS SENT TO THE ** DMV AS REQUESTED. HOWEVER, THE ** TITLE WAS RETURNED BY THE ** DMV AND RE-SCANNED ON 8/14/13. THE ** DMV STATES THERE WAS A LETTER ATTACHED TO THE TITLE STATING WHY IT WAS REJECTED.

9/18/2013 Advertising/Sales Issues
9/16/2013 Problems with Product/Service
9/16/2013 Advertising/Sales Issues
9/9/2013 Problems with Product/Service
9/9/2013 Delivery Issues
8/26/2013 Advertising/Sales Issues
12/10/2012 Delivery Issues

Customer Review(s)

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Customer Reviews Summary

11 Customer Reviews on BMO Harris Bank N.A.
Neutral Experience (0 reviews)
Fusion Chart
Fusion Chart