Consumer complaint received 2025-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been a responsible borrower on a motorhome loan since XX/XX/XXXX, making consistent monthly payments of {$1200.00}. The loan was originally financed with XXXX XXXX XXXX XXXX and was transferred to BMO Bank , N.A . following their acquisition. 

In late XX/XX/XXXX, I contacted BMO by phone to request a temporary 90-day payment reduction ( 50 % of normal payment ) due to unexpected medical expenses. This constituted a loss mitigation application under federal law ( RESPA Regulation X ). 

Despite this request, I received NO written acknowledgment of my application, NO evaluation of my request, and NO communication of any kind from BMO regarding the status of my request or my account. 

Instead, BMO continued to bill me for the full {$1200.00} monthly amount starting in XX/XX/XXXX. I mistakenly assumed my request had been approved and that payments were being automatically deducted from my bank account. I did not receive any notice, email, phone call, or written letter informing me that my account was being treated as delinquent or that repossession proceedings were being initiated. 

On XX/XX/XXXX, I discovered the problem when reviewing my credit report and found that BMO had written off approximately {$120000.00} and my credit score had dropped XXXX points. This is when I learned that BMO had initiated repossession proceedings without any notification to me. 

I called BMO and spoke with a representative named XXXX in their repossession department. He stated that BMO had no record of any payments since XX/XX/XXXX and that my motorhome was being turned over to the repossession department. He confirmed that no written notice, email, or phone communication had been sent to me regarding the alleged default or repossession action. 

BMO violated federal law by : ( 1 ) failing to acknowledge my loss mitigation application within five days ( RESPA 1024.41 ( b ) ) ; ( 2 ) failing to evaluate my payment arrangement request and provide written notice ( RESPA 1024.41 ( c ) ) ; ( 3 ) initiating repossession without notice while my loss mitigation application was pending ( RESPA 1024.41 ( f ) & ( g ) ) ; and ( 4 ) failing to maintain continuity of contact with me ( RESPA 1024.40 ).

I am always reachable at my cell phone, email, and through my professional answering service. BMO made zero contact attempts despite having my contact information on file. 

PATTERN OF ILLEGAL REPOSSESSION PRACTICES : This is not an isolated incident. Multiple federal court cases demonstrate BMO 's systematic pattern of improper foreclosure and repossession practices : BMO Bank N.A. v. XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BMO 's foreclosure complaint was DISMISSED ; BMO Bank N.A . v. XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BMO 's foreclosure complaint was DISMISSED ; BMO Harris Bank N.A . v. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX courts required BMO to follow proper procedures ; XXXX v. BMO Harris Bank N.A.bankruptcy court awarded $ XXXX XXXX judgment against BMO for serious misconduct. Additionally, CFPB Complaint # XXXX documents BMO refusing RV loan payments and threatening repossession after the XXXX XXXX XXXX XXXX transferthe identical pattern used against me. 

I have also filed a formal complaint with the Office of the Comptroller of the Currency ( OCC ) documenting these same violations and this pattern of abuse. 

This motorhome is my primary residence and is essential to my work in the music business. BMO 's complete failure to communicate, destruction of my credit, and unauthorized initiation of repossession have caused severe emotional distress and threaten my home and livelihood.

I am requesting that BMO immediately cease all repossession proceedings, correct my credit report, reinstate my loan with a properly documented payment arrangement, and provide compensation for damages resulting from their violations. 

XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX re : XXXX XXXX XXXX XXXX / BMO loan number 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