ComplaintsforBMO Bank N.A.

• Initial Complaint

  07/09/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  BMO bought out Bank of the West. When we purchased our boat and trailer, it was financed by Bank of the West. The trailer title was stored electronically in the *** system. We have since paid off the loan and BMO will only send us a paper lien release which is useless. *** liens must be released electronically on the system in which they were stored. We have contacted BMO on half a dozen occasions and talk to several people including ****** with the resolution department, *****, Novel, and then there are many others that we didn't get to talk to because when we were transferred to "supervisors" we were hung up on. This has occurred over the past two days of phone calls and we have made zero progress. Someone at BMO must know how to release an *** lien, but we are not allowed to reach the person that appears to have the ability to do this. NC DMV explicitly refuses to accept a paper lien release because it was stored electronically by the lender. We are tired of getting the runaround and just want the electronic lien released in the *** system. We have provided all notarized verifications, and jump through multitudes of hoops to get assistance and all we ever hear is that they can resend us another paper release or an email version of the release. Which is not at all an *** electronic lien release. We need someone to do their job and issue the electronic release in the *** system.

  

  Business response

  07/09/2024

  We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customers inquiry. It is our understanding that a bank representative contacted ************** and advised that we released the *** via our title vendor per his request. 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.

  Customer response

  07/10/2024

   
  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,
  
  ***********************

• Initial Complaint

  07/02/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On 7-1-24, a hotel charged my personal credit card $1011.35, rather than the corporate card that the secretary gave when the reservation was made for the entire stay instead of using my personal card for incidentals only.My company secretary called the hotel to tell them that the wrong card was used. The hotel representative stated they immediately cancelled the transaction. Through several calls to BMO I was told that it would reverse the $1011.36 that evening. Upon checking my account the next morning, 7-2-24 another payment had also gone through & the $1011.36 was not reserved making my account negative $771.47. I am traveling for work and this is my only credit card. Therefore I have no money.I made several more phone calls to BMO & the hotel to prove the payment was an error on the hotels part. The hotel faxed AND emailed the information requested by BMO to BMO. I called in to verify they received the information and was told that nothing would be done for 24 hours and that is BMOs policy to take action 24 hours after the fax is received. I asked even though you have documentation stating it needs to be cancelled & the debit reversed? I added that I am working out of town & have no money. They said there is nothing they can do.

  

  Business response

  07/08/2024

  We are in receipt of the complaint for the above referenced customer and we welcome the opportunity to respond to the customers inquiry. A letter was sent to ************************* on July 8, ********************************************* the complaint.  In the interest of protecting our customers 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 Complaint

  07/02/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  WORST BANKING EXPERIENCE EVER! I had an auto lease loan through Bank of the West, and ever since BMO took over, everything has been a total disaster. I have NEVER received a single written communication about this bank takeover by BMO. Payments are missing from my account. After MONTHS of phone calls with BMO I have discovered they changed my account number without notifying me after assuring me my Bank of the West account number would not be changed. BMO set up an autopay arrangement to ensure my payments would be accepted and then discontinued those autopayments without notifying me. I spent several days working on a lease buyout with BMO. It took them a week to provide me with a payout letter via email (this is the ONLY written communication I have obtained from BMO) and then repossessed the car while the buyout process was still in progress! BMO will REFUSE to allow you to speak to a manager for assistance. BMO is now adding more fees that I will have to pay in order to get my car back and still will not provide that in written communication. I am still battling with BMO to complete this lease buyout and hopefully get my car back. I cannot get away from BMO fast enough...WORST BANK EVER!

  

  Business response

  07/12/2024

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A Bank representative emailed the customer on July 12, 2024, addressing their concerns. In the interest of protecting our customers 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.

  Customer response

  07/13/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********. BMO has processed the payoff and confirmed to me that the account is now PAID IN FULL. I was able to retrieve my car late yesterday and it is now back in my possession. BMO representative stated that it will be at least 6-8 weeks before I receive the title for my car. I am satisfied with the response so far, but should I not receive the title within the 6-8 weeks timeframe, I will be reaching back out for further resolution. 

  
  Sincerely,
  
  *****************************

• Initial Complaint

  06/28/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  BMO bank stole funds from my account $122478 and sent me an invalid fraudulent cashiers check and claiming they can not assist with recovering my funds. They cashed my check without my knowledge instead of sending check back to issuer as they promised its been since May 8 when they stole funds. Bank has made no attempt to resolve this

  

  Business response

  07/05/2024

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A letter to the customer was placed in the mail on July 5, 2024, addressing their concerns. Please allow time for mail delivery. In the interest of protecting our customers 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.

  Customer response

  07/08/2024

   
  Complaint: 21915907
  
  I am rejecting this response because: I should not have such a hard time yo cash a check from their bank with my funds. I have received no resolution with the bank multiple representatives have stated they are unable to help me further nor can they reissue funds. Bank should have never closed out my account after verifying, clearing and depositing check if they were that concerned whether or not funds were initially for me. I feel as if being a young ******* American woman I am be discriminated against I would not being having these issues if I was a white American and would be receiving the help needed.
  
  Sincerely,
  
  Tianaevon *****

  

  Business response

  07/09/2024

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. Another response letter to the customer was placed in the mail on July 9, 2024, addressing their concerns.Please allow time for mail delivery. In the interest of protecting our customers 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.

  Customer response

  07/10/2024

   
  Complaint: 21915907
  
  I am rejecting this response because:
  
  Sincerely,
  
  Tianaevon *****

• Initial Complaint

  06/27/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I had accounts at ******************** that were transferred to BMO after acquisition and the transition has been very difficult.1. They somehow changed my preferred status and stopped paying higher interests. That was someone resolved through long phone calls.2. Then I never received any replacement debit card. That was also resolved via a long phone call with people speaking a language I could hardly understand.3. Then I got charged $25 for failing to pay the minimum $25 on my credit card balance. That is I think because their web site is very misleading and I failed to hit one last "Done" button. Third issue that cost me a long time on the phone.4. And for the kicker: I received a flier saying that given my "relationship plus" status, I should get free paper checks (which I had from Bank of the West). They sent me a link to order online, which redirected me to a third party web site. Nothing there told me what was free and what was not. I tried hard to find that information and could not find it anywhere. So I ordered something similar to what I had with Bank of the West, normal personal checks. The site told me that it would cost me $37.50 and change, so I cancelled the order. I went the BMO's online help to send a message where someone said to order and I would be refunded. I ordered and got charged, but now, even after a 30 minute phone call landing in customer resolution, they refuse to refund me the extra cost because I did not order the exact model that they offer for free. Again, I already had checks from the bank they acquired and a basic courtesy would have been to replace them. I ordered something similar and nothing on the third party web site was "for free". Very deceiving and misleading. If there is only one type of check BMO offers for free for _new_ customers, they should not use a 3rd party web site.Very deceiving and misleading.

  

  Business response

  07/01/2024

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. Correspondence was sent to ******************* via email on July 1, 2024 addressing their concerns. We are not posting a summary of the correspondence 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 Complaint

  06/27/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I opened an account with BMO Bank in *******, ** on June 12, 2024. Deposited a to life insurance check from The ******* insurance company. The bank stated the money would be available June 21, 2024. As well as sent me a letter stating the same. On June 24, 2024, I went to withdrawal money and the bank stated that they didn't verify the check yet. So I asked the bank manager if he would help. He rudely agreed and said, "this one time otherwise no!"He called the insurance company who asked who the account holder is, and he told them "The Hartford". The insurance company would not verify it because he gave them wrong information.The account holder is me, *************************, as a bank manager for years, I feel he has direct knowledge of of the correct information. But would not verify my check nor let me get money out. He stated I had to wait another 2 days. I called BMO customer services and BMO executive office where I filed a formal complaint but neither could override the decision of the bank manager. They stated the only one who can is the Marketing President. Only the bank branch has this information and are suppose to give it to you. I called and asked 3x, each person told me it was confidential information and how fascinating it was that we had this type of information. 2 days pass and I go back to withdrawal money. Now they said I need address verification. Even though they have my ID, copy of a lease, etc. they stated it has to be a utility bill. The bills where I stay are not in my name. I am Native American and low income. I have never dealt with this type of obstacle to get my own money out. Please help me. 

  

  Business response

  07/08/2024

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A letter to the customer was placed in the mail on July 8, 2024, addressing their concerns. Please allow time for mail delivery. In the interest of protecting our customers 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 Complaint

  06/26/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  Last year I tried to register my RV with the New York State ***. As ALWAYS FOR ALL PEOPLE, the dmv requires by law a certified copy of the title. (Usually a title with my name on it and the bank as a lean holder. BMO first reported they couldnt provide the title to the *** until the vehicle is paid off. (After registering vehicles for 40 years with different banks, never heard this statement from anyone ever). After days of going through this, they said they would send it. They mailed us a crappy photo copy that was not certified. We gave up and tried again this year. Same issue. After waiting weeks and being on the phone with them, they came back and said they didnt receive the request from the dmv. They now are saying it will be up to five weeks to get a certified copy. Never have I worked with even the worst banks that couldnt give me a certified copy of the title to register my vehicle. 100s of Millions of people do this every day and BMO is surprised by this? Someone should tell them to hire educated people.

  

  Business response

  06/27/2024

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A letter to the customer was placed in the mail on June 27, 2024, addressing their concerns. Please allow time for mail delivery. In the interest of protecting our customers 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 Complaint

  06/25/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have had a home equity line of credit with BMO Harris Bank for three years. I enrolled in their auto withdrawal program for monthly payments because the interest was a lower rate. Since the beginning, I have had problems with them taking a double payment that puts my account in default. Not every month but every two or three. I have spent over twelve hours on the phone and three hours in person with a banker and assured the problem was resolved. Now I received a letter that I am unable to make any auto payments and my account is being sent to collections because of the nsf issues. This is affecting my 820 credit score and no one will help. The bank no longer returns my messages. I need someone to step in and address this problem please. Thank you for anything you can do!

  

  Business response

  06/28/2024

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. Correspondence was sent to ************************* on June 28, 2024 addressing their concerns via the ***** Please allow 7-10 days to receive the letter. We are not posting a summary of the correspondence 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 Complaint

  06/24/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  The fraudulent check went through my account *** ******* I discovered it called BMO told them I've never had checks so it's impossible for me to written the check. They were going to review information and call me back. I happen to look on my account two days later and see another fraudulent check going through my account. I called him immediately and say hey there's another check trying to go through my account I'm not responsible for this check. They wanted to charge me to stop the check and then stated they may not be able to stop it but I was still be charged. They offered no other solution for these issues. The next day another chunk of money had been removed from my account. I contacted BMO again told them to close my account and inquire what needed to be done to get my money refunded. They demanded a police report. I got the Police report and turned it in. I still have not gotten my money refunded to me. No one returns phone calls no one has any answers. I have a list of emails, dates and times of phone calls and promises of return calls. I still don't have my money.

  

  Business response

  07/05/2024

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A letter to the customer was placed in the mail on July 5, 2024, addressing their concerns. Please allow time for mail delivery. In the interest of protecting our customers 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 Complaint

  06/22/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I opened the *** bank account under false advertisement and misleading information advising me that if I deposited more than $4000 in my account within 90 days, I would receive $350 I have Deposited more than $4000. That's the first issue the second issue is I deposited on June 19, 2024 a payroll check issued by my employer my check was cleared on June 20, 2024. I called in due to the funds were not in my account and advised by the representative on Thursday, June 20, 2024 that hold expired that day and I would have the money by the a.m. when received I called back it was advised that there's a new hole until 25 June 24 I asked them to override the hold they refused to I asked for a manager, but never received one until Saturday, June 22nd 2024 she refused to follow federal law and giving me my payroll check within two business days. She told me it's different due to. It's a mobile deposit and they advise me of that at the time of making the mobile deposit which it did not. It advised me it would be 2 to 4 days. Please reflect that automated message that pops up to confirm by asking and requesting *** to provide the exact message given to me at time of deposit I requested the close my account was advised that I cannot and if I did, it would be a $50 fee because it hasn't been 90 days which is unconstitutional unethical and poor business practices

  

  Business response

  06/26/2024

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A letter to the customer was placed in the mail on June 26, 2024, addressing their concerns. Please allow time for mail delivery. In the interest of protecting our customers 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.

  Customer response

  06/26/2024

   
  Complaint: 21887811
  
  I am rejecting this response because: The response is generic and did not address anything. I'd like what's owed to me and than close my account without a fee
  
  Sincerely,
  
  *****************************

  

  Business response

  06/26/2024

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. As indicated in our previous reply, a letter to the customer was placed in the mail on June 26, 2024, addressing their concerns. Please allow time for mail delivery. In the interest of protecting our customers confidentiality, we are not posting the contents of the letter in this forum. The Bank considers this matter closed. 

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