Consumer complaint received 2023-07-30
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a BMO Harris Bank XXXXXXXX XXXX XXXX XXXX. I have always paid ahead of the due date for this credit card electronically through BMO Harris electronic banking. I receive my XXXX XXXX XXXX on the XXXX of each month since XX/XX/2023. My BMO Harris BK XXXX XXXX XXXX payments are due on the XXXX of each month. I have always paid this card on time and have not been late. I started paying on the XXXX week of each month in XX/XX/2023. I made a {$60.00} payment on XX/XX/2023, due XX/XX/2023. I was owing. It was paid through the online banking that BMO Banks has for the credit card. It was deducted from my checking account as they always do. It was credited to my credit card balance account, but the BMO credit card balance payment did not show that the payment was made. The payment for XXXX showed on the bank account as being due on XX/XX/2023, as a minimum of {$25.00}. I immediately called the bank on XX/XX/2023, and talked to the credit card department representative, letting her know that the minimum payment of {$25.00} was showing with the date of XX/XX/2023. The customer service representative stated that the credit card statement had gone out on XX/XX/2023. She stated that it was going to be adjusted. I told her it was estranged because I always paid my card before the due date, and it was immediately adjusted. I took her word it was going to be adjusted. It did not. On XX/XX/2023, the BMO XXXX XXXX XXXX had a late fee of {$25.00} even though the payment had been made on Monday, XX/XX/2023. The XXXX XXXX XXXX XXXX payment policy states, and I quote, " Payments : We will credit your payment on the date we receive it if it meets the requirements for your method of payment ; otherwise, credit may be delayed : Online - We must receive authorization to effect payment by XXXX XXXX 
XXXX XXXX via our website at XXXX  ''. This is precisely what I did. My payment was deducted from my checking account on the morning of Monday, XX/XX/2023. Nothing on their statement states that making a payment before the due date is a penalty. Yesterday morning, I called XXXX from the BMO Credit Card Department. And explained my concerns regarding the late fee that brought my balance to {$67.00} to {$92.00} due to the {$25.00}. XXXX stated that the statement would make the adjustment once it came out and would take off the fee of {$25.00} from my statement bringing it back to {$67.00}. I expressed my concern to XXXX and told her I did not trust the bank by one second. The bank was manipulating the payment, charging a {$25.00} fee in bad faith. I told XXXX that I would contact the President of the BMO Bank through email because I had already experienced an issue with the bank. Her answer was that she would not reverse the {$25.00} back, which is up to the bank statement to adjust the account. I will legally fight this bank because this is an injustice done to low-income people. This is not the first time this bank has committed this crime. This a crime, and I am charging and accusing the bank of stealing money from me. 
Thank you for everything.

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 monetary relief