Consumer complaint received 2019-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BMO BANK NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XX/XX/XXXX BMO Harris Bank XXXX. Box XXXX XXXX XXXX, IA XXXX Phone # : XXXX Fax # : XXXX XXXX : XXXX XXXX XXXX XXXX. 
Account # XXXX To Whom it may Concern, My name is XXXX XXXX XXXX XXXX and I am writing due to the fact that I feel that I am being treated unfairly by BMO Bank. I took over a Company called XXXX XXXX XXXX back in XXXX from XXXX XXXX XXXX XXXX of XXXX, NC. The XXXX XXXX XXXX  XXXX XXXX that he purchased through XXXX Bank was found to have an engine that was no good in the first month of his purchase. 
I had the engine replaced through a purchase warranty and I have been running the Company and making the truck payment since the first payment of the loan. I asked XXXX XXXX to contact BMO Bank back in XXXX to inform them of this change and to inquire about having the loan put into my name. BMO Bank stated they would not do that. I have continued to pay this loan, never late always on time and on two different occasions I felt that I wanted to expand my company and add another truck but BMO Bank the first time told me that they were confused with my paperwork, no further explanation and I was denied. The second time I inquired with BMO Bank regarding a loan to acquire another tractor they once again denied me this time because they said there was to many inquiries on my credit report and that my accounts were not in place long enough. 
The standard response you get from a Financial Institution when there is no real basis for the denial. I have now nor did I than have any negative issues on my credit report for at least the past XXXX to 5 years. I have not been late or missed any payments due dates in the past XXXX to 5 years. I have paid BMO {$1200.00} per month for the past XXXX to 5 years and never missed a payment and never have I been late. Yet the only response I have received from BMO Bank is no or nonsense about inquiries on my credit report or not having accounts long enough. Clearly anyone can see from my credit history that none of the reasons BMO bank denied me for has had any bearing on my ability to pay on time consistently and this can not be denied. I am scheduled to be released from the hospital around XX/XX/XXXX. Before I entered this hospital on XX/XX/XXXX. I had inquired with BMO Bank asking them for a ( 3 ) month waiver because I would be unable to work the truck. XXXX of BMO Bank explained that there is a process to be approved for this and she was not sure as to how long it would take for me to receive an answer. What XXXX was sure of is that my monthly payment would increase, my interest rate would also increase and there was one more increase that would take place if I were approved for the waiver. I asked XXXX what I needed to do to be considered and she responded that some documents would be sent out to me but now as I am unable to work, I have yet to receive those documents to be considered for the waiver. 
It is crystal clear that BMO Bank could care less about me or about me being one of their customers. It makes no sense that I am paying {$1200.00} dollars per month from this hospital bed when BMO bank could have granted me a waiver especially for a XXXX International PRO Star Tractor that I will have paid off in ( 9 ) months. I am now clear about who BMO Bank is, they send me an invoice to my home each month for {$1200.00} and after they receive my money they pretend they dont know me and want nothing to do with me. I get it!!! I am requesting assistance with being recognized as the consumer whom has diligently been paying on this loan since day one. I would like the three credit reporting agencies to be made aware by BMO bank, that I XXXX XXXX XXXX XXXX has been paying the {$1200.00} invoices that BMO Bank has been sending me since day one. BMO bank has unjustifiably said no to me about ( 2 ) loan applications and they had no problem with not even responding to my request for the waiver even though from my hospital bed I have had to pay them out of pocket on time each month. I feel that I had earned the three previous requests that I had made to BMO Bank. I dont believe that anyone even BMO bank can take from me the reality regarding whom has paid the note on the XXXX International PRO Star For the last four years and that I should get credit for my efforts. 
I am asking that the three credit reporting agencies be contacted by BMO Bank to inform them of my four years payment history that the credit bureaus know nothing about. I would like my four years of payment history to be reflected on my credit reports. Here is thanking you in advance for any assistance rendered in this matter In case there is any questions or confusion as BMO bank claimed before regarding the validity of my request please feel free to contact myself or XXXX XXXX. 
Closing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # : ( XXXX ) XXXX Phone # : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX, NC 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