BMO Harris Bank N.A

We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customer’s inquiryA phone call was made to the customer on February 19, addressing her concernsIn 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

We are in receipt of the complaint for the above referenced customerWe welcome the opportunity to respond to the customer’s inquiryA letter was sent to Mr [redacted] on 12/5/16, addressing his concernsIn 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 Business Response / [redacted] (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 inquiryThe Bank communicated with the customer through regular mail addressing their concernsIn the interest of protecting our customer's confidentiality, we are not posting the contents of the response in this forumPlease let us know if we can assist further regarding this matterThank you for taking the time to bring this matter to our attention Initial Consumer Rebuttal / [redacted] (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 [redacted] Final Business Response / [redacted] (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 inquiryThe Bank communicated with the customer through regular mail addressing their concernsThis response was put in the mail on Friday, May 29, to the address listed on the customer's complaintWe will place a courtesy copy in the mail todayIn the interest of protecting our customer's confidentiality, we are not posting the contents of the response in this forumPlease let us know if we can assist further regarding this matterThank you for taking the time to bring this matter to our attention Final Consumer Response / [redacted] (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 groupProof that the account is closedI did receive the letter on June 6, All this "privacy" stuff - there is nothing private - there is no money in the account and I did not set it upReally ridiculous

Initial Business Response / [redacted] (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 inquiryA letter was sent to [redacted] on August 21, through the CFPB addressing her concernsIn the interest of protecting our customer's confidentiality, we are not posting the contents of the letter in this forumPlease let us know if we can assist further regarding this matterThank you for taking the time to bring this matter to our attention Initial Consumer Rebuttal / [redacted] (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 / [redacted] (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, We mailed a copy of the response to the customer again on September 22, In the interest of protecting our customer's confidentiality, we are not posting the contents of the letter in this forumPlease let us know if we can assist further regarding this matter

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 [redacted] on February 10, addressing her concernsIn 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 Business Response / [redacted] (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 inquiryToday, the Bank communicated with the customer through regular mail addressing their concernsPlease allow sufficient time for the letter to be receivedIn the interest of protecting our customer's confidentiality, we are not posting the contents of the response in this forumPlease let us know if we can assist further regarding this matterThank you for taking the time to bring this matter to our attention

We are in receipt of the complaint for the above referenced customerWe welcome the opportunity to respond to the customer’s inquiryA letter was sent to Mr [redacted] on 7/22/16, addressing his concernsIn 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

We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customer’s inquiryA telephone call was made to Mr [redacted] , addressing his concernsThe 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

I first heard from BMO Harris Bank ( [redacted] Chicago IL [redacted] with a letter dated November 21st and signed by Peter [redacted] (Vice President)I called after the Thanksgiving Holiday as I received it the day of and talked with Margie *** She talked with her supervisor and informed me that I would receive a check for $by December 20thI sent a copy of the document they wanted but I did not receive the checkI called again Each phone call to [redacted] requires a twenty minute waitI called Andre [redacted] and explained the situation He explained the situation to his supervisor and said I would receive a check in two days I didn'tI sent a letter with a copy of my driver's license and a letter explaining that my name was Susan [redacted] (the account which was set up by my parents lists my name as Susan [redacted] ) A phone message was left on my phone but it was impossible to understand the message or the phone number to callI called the bank again today and talked with William [redacted] , the supervisor of the call center He asked me a security question about 23rd Avenue I explained to him as I had explained to Margie [redacted] that we do not live on 23rd Avenue which is a very long street far from our street which is 23rd Avenue EastHe kept trying to find identification questions to ask meHe was impossible to deal with as was everyone else I talked to Normally date of birth and SS number are sufficient to identify a personIt has been extremely frustrating to deal with this bankPlease ask the bank to send me a check for the balance in the accounts

Initial Business Response / [redacted] (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 inquiryA telephone call was made to Ms [redacted] , addressing her concernsThe issue was resolved to the customer's satisfactionPlease let us know if we can assist further regarding this matterThank you for taking the time to bring this matter to our attention

We are in receipt of the complaint for the above referenced customerWe welcome the opportunity to respond to the customer’s inquiryOur Branch Manager spoke with Ms [redacted] this morning addressing her concerns In the interest of protecting our customer’s confidentiality, we are not posting the contents of the conversation 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 Business Response / [redacted] (1000, 5, 2015/03/31) */ We are in receipt of the complaint for the above referenced customerWe welcome the opportunity to respond to the customer's inquiryA representative from BMO Harris Bank spoke with Mr [redacted] on 3/31/15, addressing his concernsIn the interest of protecting our customer's confidentiality, we are not posting the contents of the letter in this forumPlease let us know if we can assist further regarding this matterThank you for taking the time to bring this matter to our attention

We took out an auto loan in January We have made all of the payments on timeWe retired in April 2016, sold our home and decided to be debt free, so I called and got a pay off amount and was told the amount be good until May 5, I mailed a cashiers check for the amount I was told and they received the paymentThree weeks later we received a letter that we were behind in our payments! I called, they stated that I did send them the proper amount, that we were short by $434.00! Come to find out they applied the amount to the principal! I have called them times trying to get this resolved, they have only called me twice! I keep getting promises that they need listen to the tape for the day that I called for a pay off How long does that take??? I will never use this company again!

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 [redacted] on January 6, addressing his concernsIn 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

We are in receipt of the complaint for the above referenced customerWe welcome the opportunity to respond to the customer’s inquiryA letter was sent to Mr [redacted] on 1/27/16, addressing his concernsIn 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

I had the worst in professional service from BMO Harris Bak when I traveled abroadPrior to leaving, both my partner and I called and went in person to tell them we were traveling so they would know to expect overseas chargesWe left the country on June 30, 2015, and it was on July 5, that I received an email message that my overdraft account had been activatedBefore leaving the country, I put several thousand dollars into my checking account to use while traveling - to have accessed my overdraft account, all that money would have to be goneI immediately called their support line and was told that my account was being carefully monitored! Carefully monitored? They watched someone take thousands of dollars out of our account over a period of days - completely outside my spending patterns AND all erroneous charges were made in the United States when we told them we would be away So they watched until we had no money left and then told usAnd then the customer service agent had the audacity to tell me that it was our fault for not registering BOTH our debit cards for travel notification, and that it was for that reason they didn't freeze the accountEven if that was the case, it was my card that was registered as being abroad and it was my card to which all the charges were being madeI have never received as much as an apology for this happeningYes, our funds were returned but not until weeks after we were backThey offered NO assistance to us in Europe with no way to access cash Upon my return, we went to close our accounts (except our mortgage)It was a simple procedure and I even asked if there was any pre-penalty payment for closing our line of credit earlyThe banker checked, and told me noIt was important to close this so that we could open a new line of credit with our new bankWeeks passed and still the account wasn't closedAnother banker finally told me that the first had made an errorThere was a three year period we had to finish before it could be closedThey were unwilling to consider waiving the $to close it earlyThe manager never once responded to any of my letters or emailsNow, in August of 2016, we hit the 3-year periodI went in and signed the form, only to be called and told that the manager said it is a 10-year periodWhat? I was enraged, yet again, by the ineptness and deceitful methods of their bankingI came home immediately and found the paperwork form before that clearly outlined a 3-year periodThe banker finally, after several days, informed me that the manager would accept my legal document and close the account Finally, after a long year of all this, my accounts are closed and I only need pay them my mortgage monthlyI will say that the staff who deals with the public is wonderfulThe people behind the curtain are untrustworthy, non-communicative, and unprofessional

On July 10th a check was mailed to BMO Harris Bank for a car loan payment on July 20th I noticed the check has not been cashed so we contacted BMO Harris Bank to try to speak with a manager so that we can make it on the phone payment but canceled the check and not be charged a bounced check fee for the last payment in the mail called them six different times trying to get in touch with a manager where we were finally sent to the collections department and told just wait one more week you will not be late for another weeks the very next day we received a letter in the mail stating that our account was delinquent so we called again and finally got ahold of a manager I do believe her name was Donna we asked Donna to overturn the late payment fee because we had been in contact from day one that we noticed the payment has not posted trying to resolve the situation she told me that she would not remove the late payment fee because we did not know how to pay our bills so therefore we paid off our loan immediately that day and cash costing her company thousands of dollars and will never use them or refer a friend or family or even somebody we don't know too then the business is horrible they treat you like garbage they will not help you in any way shape form or fashion they believe they are a multimillion-dollar company and nobody can touch thembut since the loan has paid off they have continually harassed us through phone calls and mail even though the loan is paid in full

Revdex.com:I have reviewed the response made by the business in reference to complaint ID 11151800, and find that this resolution is satisfactory to meBMO HAS STATED THEY WILL BE REMOVING THE ADVERSE CREDIT RATING OFF OF MY CREDIT REPORT AND WE ARE WORKING TOGETHER TO RESOLVE THE LOAN ISSUEI AM STILL WAITING TO SEE IF IT COMES OFF OF MY CREDIT REPORT IN THE DAYS THEY PROMISEDIF IT DOES, I WILL BE TOTALLY SATISFIED.Sincerely, Gail [redacted]

We are in receipt of the complaint for the above referenced customerWe welcome the opportunity to respond to the customer’s inquiryWe have attempted to reach Ms [redacted] in order to personally address her concerns Our last message left with Ms [redacted] included a direct number for one of our market managersPlease let us know if we can assist further regarding this matter Thank you for taking the time to bring this matter to our attention