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BMO Harris Bank N.A.

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Reviews BMO Harris Bank N.A.

BMO Harris Bank N.A. Reviews (114)

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.
[redacted]
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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11103688, and find that this resolution is satisfactory to me.
Funds were place into my account in evening of 1/25/2016.  However, I was not able to use the funds until this morning 1/26 due the branch manager placing a credit only status on the account.  I feel that was unfair especially without letting me know.  I do plan to close my account in the short future with BMO due to the bad experience I had with them and the branch. I just need to cancel my direct deposit from social security and then will arrange for closure.  
Sincerely,
Feddie [redacted]

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:

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. [redacted] on 7/22/16, 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.

Everyone is there when you sign your loan paperwork (2002). But now after misc fees assessed a not get answers and cannot talk to someone in person. You have to go through a banker at the branch and they email the escrow dept. we have been on time for 15 yrs with out payment. Used coupon booklet system until 2014 they switched to statements and to our unpleasant surprise we find we have been charged fee assessments since 2008 no explanation of what those fees are. 712.00 dollars we found out charged last year for hazard insurance I have had hazard insurance since inception of the loan. Insult to injury 3 of those charges were added the the principal which means we have also been paying interest on these mystery fee assessments. On a 34000.00 loan we have paid 28000.00 interest. This has caused us so much stress...especially having been in the bank trying to deal with the branch people who defend the bank instead of listening to the customer. The part that irks me the most is you can only reach out to the mystery escrow/loan department through a branch person through email?? When we are done with this loan we will NEVER bank here for anything again. People pay attention to those fees!!

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 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.

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 Griselda [redacted] on September 9, 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.

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 [redacted] 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.

We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customer’s inquiry. Our 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.

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 [redacted]. She talked with her supervisor and informed me that I would receive a check for $150 by December 20th.
I sent a copy of the document they wanted but I did not receive the check.
I called again. Each phone call to [redacted] requires a twenty minute wait.
I 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't.
I 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 call.
I 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 East.
He kept trying to find identification questions to ask me. He was impossible to deal with as was everyone else I talked to. Normally date of birth and SS number are sufficient to identify a person. It has been extremely frustrating to deal with this bank.
Please ask the bank to send me a check for the balance in the accounts.

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. [redacted] 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.

I had the worst in professional service from BMO Harris Bak when I traveled abroad. Prior 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 charges. We left the country on June 30, 2015, and it was on July 5, 2015 that I received an email message that my overdraft account had been activated. Before 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 gone. I 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 5 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 us. And 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 account. Even if that was the case, it was my card that was registered as being abroad and it was my card to which all the false charges were being made. I have never received as much as an apology for this happening. Yes, our funds were returned but not until weeks after we were back. They 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 early. The banker checked, and told me no. It was important to close this so that we could open a new line of credit with our new bank. Weeks passed and still the account wasn't closed. Another banker finally told me that the first had made an error. There was a three year period we had to finish before it could be closed. They were unwilling to consider waiving the $350 to close it early. The manager never once responded to any of my letters or emails. Now, in August of 2016, we hit the 3-year period. I went in and signed the form, only to be called and told that the manager said it is a 10-year period. What? I was enraged, yet again, by the ineptness and deceitful methods of their banking. I came home immediately and found the paperwork form before that clearly outlined a 3-year period. The 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 monthly. I will say that the staff who deals with the public is wonderful. The people behind the curtain are untrustworthy, non-communicative, and unprofessional.

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.

BMO Harris is notorious for overcharging insufficient fund fees, even though their policy is NOT to charge a fee if your account is negative by less than $5.00. Not to mention, they charge you a $12.00 service fee per month and will remove this fee from your account automatically even if it sends your account into the negative. It's very unfair to the customer to charge them the $12.00 service fee, put their account in the negative, and then charge them a $35 NSF fee on top of it. It states right in their policy that if your account it less than $5.00 overdrawn, they will not charge you a fee, but they DO and then you have to call to try and have it reversed, which they will only done ONE TIME per year as a "courtesy". They don't follow their own policies. They stopped offering free checking, too. I'm going to do my research and find a different bank. $12 a month may not sound like a lot to them, but for the regular person living paycheck to paycheck, it is a lot.

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 Mr.  [redacted] via the phone addressing his concerns. In...

the interest of protecting our customer’s confidentiality, we are not posting the contents of the phone 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.

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 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

Complaint: [redacted]
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,
[redacted]

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, 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.

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. [redacted], 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.

Initial Business Response /* (1000, 5, 2014/03/04) */
BMO Harris Bank mailed correspondence to Ms. [redacted] 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. [redacted] Therefore their response should be detailed to the Revdex.com in relation to my complaint. The contents of their correspondence allegedly mailed on March 4, 2014 is not shared with the Revdex.com.
BMO Harris Bank should be required to inform the Revdex.com 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. [redacted] 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 Fri, Apr 4, 2014 at 2:14 PM
To: "[redacted]@chicago.Revdex.com.org"
Hi [redacted],

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!

[redacted]
[redacted] Customer Feedback & Complaint Management Team Process Management, N.A. Delivery US P&C BMO Harris Bank [redacted] Operations Center [redacted] E [redacted] Rd, [redacted] XXXXX Tel: [redacted] Fax: [redacted]@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. [redacted] 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.[redacted] BMO Harris Bank's letter to me, dated March 4, 2014. Nowhere does the letter mention Mr. [redacted]'s warning about reporting my loan as "DELINQUENT". Instead there is a vague reference: "[redacted] 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 Revdex.com 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.

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Description: Banks, Mortgage And Escrow Companies, Financial Services, Retirement Planning Service, Mortgage Brokers, Loans

Address: 270 W Continental Rd, Green Valley, AZ, 85622-3555

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