Consumer complaint received 2023-11-09
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
NOTICE OF DEFAULT and OPPORTUNITY TO CURE Notice to Principal is Notice to Agent / Notice to Agent is Notice to Principal FROM : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX TO : BMO Harris bank XXXX XXXX XXXX XXXX XXXX, IL XXXX DATE : XX/XX/2023 VIA : Certified Mail # XXXX RE : Loan Account # XXXX hereinafter Loan This is a Notice of Fault and Opportunity to Cure upon the presentments enclosed within the Certified Mailing, received by the BMO HARRIS Bank on XX/XX/2023 and as evidenced by Certified Mail # XXXX. 
By the terms and conditions of the agreement contained in that document, since XXXX XXXX disputed the alleged debt, BMO HARRIS Bank was under obligation to timely and in good faith provide full validation and verification by providing the promissory note and signed contract with my two wet signatures of the debt under penalty of perjury within twenty ( 20 ) days pursuant to UCC and FDCPA or request an extension of time. Instead BMO HARRIS provided a XXXX credit card agreement with no signature. 
The BMO HARRIS Bank 's failure to honor the offer places BMO HARRIS Bank at fault. This is the XXXX XXXX 's good faith offer to extend the time by an additional five ( 5 ) days from date of delivery to give the BMO HARRIS Bank an opportunity to cure BMO HARRIS Bank 's fault, to make the required presentment and to cure BMO HARRIS Bank 's fault. 
Should the BMO HARRIS Bank fail, refuse or neglect to respond to this Notice of Fault and Opportunity to Cure, XXXX XXXX will enter a Notice of Default, as second witness, upon the BMO HARRIS Bank. 
Of this presentment the BMO HARRIS Bank should take due Notice and heed, and govern oneself accordingly under the FCRA regulations. I will have all rights to sue BMO HARRIS bank for willful non-compliance and seek economic and emotional damages under the FCRA and contract law regulations. 
If BMO HARRIS Bank can not validate and verify with a promissory note and contract with my XXXX wet signatures, then BMO HARRIS Bank needs to delete and remove this account from my credit profile, because it is ruining my credit worthiness to purchase a home. 
Fault : " American Law - Negligence ; an error or defect of judgment or of conduct ; any deviation from prudence, duty, or rectitude ; any shortcoming, or neglect of care or performance resulting from inattention, incapacity, or perversity ; a wrong tendency, course, or act ; bad faith or mismanagement ; neglect of duty. '' XXXX XXXX XXXX, XXXX XXXX, page XXXX. 
Default : " By its derivation, a failure.. An omission of that which ought to be doneSpecifically, the omission or failure to perform a legal dutyThe term also embraces the idea of dishonesty and of wrongful act. '' XXXX, page XXXX. 
Promissory Note : XXXX XXXX XXXX XXXX written promise to pay a debt by a specific date. It can be turned to cash by transferring it to another party. 
NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence Sincerely and with all rights reserved,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation