Consumer complaint received 2021-12-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Subject : Problem related to inability to obtain a loan modification I have been working with BMO Harris Bank ( BMO ) to obtain a loan modification, since XX/XX/2021. Unfortunately, they have been uncooperative and unwilling to assist me. 
The process of requesting a loan modification began in XX/XX/2021 and I have submitted documents that were requested by the bank on many occasions. Some of these occasions included : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have called on several occasions to find out the status of my application and wrote directly to find the status of my application as well. The last call I made I was informed that my application was denied on XX/XX/XXXX ( I believe ) because I did not provide a copy of my contract with my current employer. 
This information was not initially requested from BMO so it is unclear to me why the rules suddenly changed. I included in correspondence with BMO on XX/XX/XXXX, stating that I could not provide a contract with my employer, because I did not sign a contract. I have never been provided with a signed contract and Georgia is a " right to work '' State where an employer is not obligated to provide XXXX. In addition, I provided BMO with my bank statements showing the deposits of income received from this current employer. My monthly paystubs were also submitted to BMO reflecting the money received as well as a W2 and the pay schedule issued by my employer.

BMO failed to take the time to contact me for additional information and clarification knowing that I had been working with them consistently since XX/XX/2021. It appears that BMO 's tactic was to deliberately deny me rather than to communicate what was needed. Their reluctance to assist me during a time when I was cooperating with them gives the appearance that there were other motives for their denial.

Suddenly, I received a new application stating that I must complete the same extensive paperwork again. It makes no sense when the circumstances will still be the same and it appears to me that this is being done to frustrate me so that I will become discouraged. Instead of making it very difficult for me, BMO should be providing me with help. This practice of BMO is unacceptable and denies some customers an equal and fair opportunity to receive a loan like others. I am requesting that this matter be investigated and their practice of denying " without asking '' stops. 
It takes a lot of time to complete the loan paperwork as well provide the requested documentation for it to not be taken seriously. I spent numerous hours gathering documentation and there should be no reason for their denial. 
Your assistance is requested to receive fair opportunity to get loan modification. Thank you very much for your time and efforts.

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