Consumer complaint received 2023-05-11
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear BMO Harris Bank, BMO HARRIS SENT ME A LETTER DATED XX/XX/XXXX STATING THAT THE CREDIT REPORTING IS NOW ACCURATE ( from my first complaint on XXXX ). IT IS STILL NOT ACCURATE. 

XXXX. XX/XX/XXXX mortgage payment was ON-TIME. My credit report shows that is was late. I am requesting that BMO change the XX/XX/XXXX payment to on-time status. ( payment proof attached ). 
XXXX. The BMO letter states that the loan was reinstated on XX/XX/XXXX. I made the reinstatement on XX/XX/XXXX. It is not my fault that they held the payment for so long. I called and tried to pay, but I was not allowed to. BMO said my account was on-hold and I could not pay. It is not my fault that I could not pay. Also I received statements with a {$0.00} balance for XX/XX/XXXX and XX/XX/XXXX, which was inaccurate. I am requesting that BMO change the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments to on-time status. I am also requesting a refund of {$11.00} I was forced to pay over the phone because I was not allowed to pay at my local branch in person ( Inaccurate BMO statements attached ). 
XXXX. The BMO letter states that HAF payments are to be reported per the effective date posted to the loan. I paid with my own money-not HAF ( my personal payment attached ). 
XXXX. On XXXX, I sent a FOIA requesting my phone conversations with BMO. I am missing the phonecall from XXXX when I was trying to pay mortgage, but was not allowed to ( BMO transcripts attached-missing call from XX/XX/XXXX ). 

XX/XX/XXXX MORTGAGE WAS PAID IN FULL ON TIME, BUT WAS STILL REPORTED LATE ON MY CREDIT : XX/XX/XXXXXXXX XXXX XXXXXXXX : I went to the local BMO Harris bank in XXXX XXXX XXXX IL and paid the {$480.00} mortgage due XX/XX/XXXX with check # XXXX ( XXXX ). 
XX/XX/XXXX : I checked my XXXX and XXXX credit report and BMO reported that the mortgage payment for XX/XX/XXXX was late. IT WAS NOT LATE I paid a day early. I called BMO Harris and they confirmed that it was PAID ON-TIME on XX/XX/XXXX. 

LOCAL BMO HARRIS BANK WOULD NOT TAKE MY MORTGAGE PAYMENTS : XX/XX/XXXXXXXX XXXX XXXXXXXX : I called to pay my current mortgage and XXXX stated that the account was current and no money was due at that time. I was transferred to the Foreclosure Dpt who stated that the payment was still being processed and that I could not pay at the local branch ( this is missing from my FOIA request ). 
XX/XX/XXXXXXXX XXXX XXXXXXXX : After speaking with XXXX XXXX XXXX I went into the local bank located in XXXX XXXX XXXX IL and tried to pay {$1400.00} with check # XXXX ( XXXX ). Bank tellers XXXX and XXXX stated that they could not do it and sent me to XXXX XXXX XXXX, who stated she could not apply the payment either because my account was still in collections. She gave me a number to call the Mortgage Department. 
XX/XX/XXXX : I called the Mortgage Department and I was finally able to pay the mortgages for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in the amount of {$1400.00} ( confirmation # XXXX ). BMO charged me {$11.00} for a phone payment system I was forced to use. I am requesting a refund of {$11.00}. I am also requesting that my status changes to on-time payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

ATTACHED DOCUMENTATION ( XXXX ) : My complaint to BMO today XX/XX/XXXX ( XXXX ) -my response to BMOs letter. 
BMO Letter dated XX/XX/XXXX ( XXXX ) -not resolved. 
My credit reports from XX/XX/XXXX & XX/XX/XXXX ( XXXX ) -credit reporting still inaccurate. 
Payments to BMO Harris Bank on XX/XX/XXXX ( {$8200.00} ) ; XX/XX/XXXX ( {$1400.00} ) ; XX/XX/XXXX ( {$480.00} ) - ( XXXX ) -BMO kept my acct on hold too long & would not allow me to pay ; not my fault. 
BMO Mortgage Statements-Inaccurate XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ) -how can I have {$0.00} balance? 
BMO Phonecalls per FOIA ( XXXX ) -missing XX/XX/XXXX.

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