Consumer complaint received 2025-08-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Illinois Attorney General XXXX XXXX Division Date : XX/XX/XXXX Subject : Emergency Complaint Regarding Bankruptcy Discharge Violation, Unlawful XXXX Reporting, and Foreclosure Threat by BMO Harris Bank , N.A . 

Summary of Complaint : I am filing this emergency complaint due to BMO Harris Banks ongoing violation of my Chapter XXXX bankruptcy discharge protections, misrepresentation of lien amounts, and a recent foreclosure threat on my home despite the debt being XXXX in XXXX. 

Key Facts : I obtained a Home Equity Line of Credit ( HELOC ) from BMO HarriXXXX in XXXX, which was capped at {$37000.00} by the original recorded XXXX. 

In XXXX, I filed Chapter XXXX bankruptcy ( XXXX XXXX XXXX Illinois, Case No. XXXX ). BMO Harris submitted a secured claim of {$44000.00}, which was included and XXXX. 

Despite this, in XXXX, BMO Harris represented to Rocket Mortgage that I still owed a payoff of {$54000.00}, which included post-bankruptcy interest, fees, and penaltiesdirectly violating 11 U.S.C. 524 ( a ). 

On XX/XX/XXXX, I mailed a formal dispute letter to XXXX XXXX XXXX Department regarding this excessive XXXX. No legal response was received. 

Instead, on XX/XX/XXXX, I received a call from a XXXX representative named XXXX threatening foreclosure if the XXXX was not paid. This was unprofessional and coercive, especially as the matter was under legal dispute. 

On XX/XX/XXXX, I sent a second certified letter giving XXXX XXXX 7 days to respond or face legal escalation. 

On XX/XX/XXXX, I received their response demanding final payment of {$54000.00} by XX/XX/XXXX, threatening foreclosure. 

Misrepresentation and Damage : Due to XXXX XXXX actions, my refinance application with XXXX Mortgage was denied. They cited false and vague reasons including slow pay history, judgment, and that I was unwilling to provide required documents. 

I was in full compliance with XXXX Mortgage and had completed over XXXX document tasks. The only unmet request was proof of recent payments to XXXX XXXX due to the bankruptcy. 

Their reporting and refusal to adjust the XXXX caused me to lose access to urgently needed refinancing funds and damaged my XXXX XXXX. 

Evidence I Am Submitting With This Complaint : Copy of original XXXX filed in XXXX, capped at {$37000.00} Bankruptcy Schedule D showing BMO listed with a {$44000.00} claim Payment history showing excessive charges post-discharge XXXX XX/XX/XXXX Final Demand Letter ( {$54000.00} ) Rocket Mortgage denial clarification letter Copy of dispute letters I sent to BMO Harris on XX/XX/XXXX and XX/XX/XXXX Proof that BMO changed the account number from the XXXX listed in bankruptcy ( ending in XXXX ) to a new one ( ending in XXXX ), which was used in their foreclosure threat Additional Concern : BMO Harris also sent a duplicate Final Demand letter to my ex-husband, who has no legal connection to this loan or property and did not sign for this HELOC. This appears to be a serious privacy breach and harassment tactic. 

Request for Agency Action : I am requesting that the CFPB and the Illinois Attorney General : Investigate BMO Harris for violation of my bankruptcy discharge Order the immediate release of the XXXX based on the discharge Review the misreporting to Rocket Mortgage that caused a wrongful loan denial Enforce consumer protection laws for deceptive and abusive practices This situation has caused emotional distress, financial harm, and jeopardized my housing stability. I am attaching all documents referenced above. 

Thank you for your time and attention to this urgent matter.

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