Consumer complaint received 2026-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
See entire issue of BMO XXXX XXXX. BMO creating fake artificial default in XX/XX/XXXX and demanded {$120000.00} to make loan balance current and remove any threats to default. Despite of this amount is incorrect and way higher, we wired transfer entire {$120000.00} in protest on XXXX XX/XX/XXXX, hoping BMO will make loan current with contractual amount of {$6800.00}. But we then today received once again incorrect amount {$13000.00} monthly!!! This is insane, unlawful, unverified and unapproved. See complete email sent to BMO. BMO is not responding of any of my emails which I attached to email below as proof to them, but they are not responding and not closing escrow account and again new amount as shock sent. -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Tue, XX/XX/XXXX at XXXX Subject : NOTICE OF HEARING & PRIOR SERVICE Case No. XXXX To : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX Cc : XXXX XXXX XXXX Dear BMO Bank N.A . and Legal Counsel ( XXXX ), This email serves as formal notice regarding the upcoming court hearing scheduled for XX/XX/XXXX, at XXXX XXXX PT, in Department XXXX of the XXXX XXXX XXXX for XXXX, XXXX XXXX. v. BMO Bank N.A., et al. ( Case No. XXXX ). Please confirm receipt of this notice for the court record. Despite the full reinstatement of my account on XX/XX/XXXX, BMO continues to engage in improper servicing. I formally object to the most recent BMO letter demanding {$13000.00} and dispute the account status as follows : Unauthorized Escrow & Overage/Shortage ( OSH ) Charges AGAIN AFTER FULL REINSTATEMENT AMOUNT PAID {$120000.00} : BMO letter dated XXXX XX/XX/XXXX, mentions that despite full paid and current account as per demand from XXXX and BMO amount {$120000.00} will make account current, but despite of loan contracted monthly ( P+I ) {$6800.00}, one again like in XX/XX/XXXX, BMO has started incorrect amount of monthly {$13000.00} includes an escrow component of {$2700.00} and a {$4400.00} " OSH '' ( Overage/Shortage ) charge. I am paying property taxes directly to the XXXX XXXX XXXX ; BMO is not authorized to maintain an escrow account. These charges are unauthorized, unverified, and a direct result of BMOs erroneous servicing. There will be again several damanges due to this to us as home owner and also on our business/work due to credit damages, legal expenses and other cost. BMO will be responsible for those cost. Request for Itemization info and escrow removal from XXXX XXXX XXXX ( fully paid bringing account current ) : Pursuant to RESPA, I demand a detailed Escrow Analysis Statement. This must itemize exactly what specific bills BMO claims to have paid to generate a {$4400.00} deficit and provide the calculation methodology ( with break-up of all charges ). If Property Taxes post reinstatement is paid by home owner, how monthly amount is {$13000.00} ( which is not a loan contract monthly amount )? Why does this amount conflict with the reinstatement amount needed to bring the account current? Reason of not responding before or during ask of full reinstatement amount despite several inquiries. Reason for ignoring multiple requests which were made for the amortization table, as required by law, showing the figures before and after reinstatement. Evidence of Servicing Failures : Attached to this email is a comprehensive set of documents proving BMOs systematic failures. These documents establish a pattern of administrative negligence, the manufacture of an artificial default, and the subsequent financial and reputational damages I have incurred. BMO is creating the same error again as in XX/XX/XXXX and now in XX/XX/XXXX again. Formal Notice of Monetary Suit : Please consider this a formal notice that all attached documentation, along with BMOs continued failure to respond to my inquiries, will be filed as primary evidence in my pending monetary lawsuit against BMO for damages, breach of contract, and improper servicing. Outstanding Invoice # XXXX : Invoice # XXXX for {$120000.00}, covering documented legal fees and credit damages caused by BMO 's improper servicing, remains unpaid. BMOs failure to address this liability further exacerbates the damages for which you are being held accountable. Attached Documentation List : XXXX - XXXX - Re_ URGENT_ WIRE CONFIRMATION & PAYMENT UNDER PROTEST - Case No. XXXX Evidence of the {$120000.00} wire transfer made under protest to resolve the manufactured default. Serves as proof that the account was made current as of XX/XX/XXXX, invalidating subsequent default claims. XXXX- XXXX from XXXX delegating to BMO.pdf Documentation from the foreclosure trustee delegating servicing inquiries back to BMO. Confirms the bank had formal notice to resolve these matters post-reinstatement. XXXX XXXX to BMO on rescission and all steps BMO and XXXX to complete.pdf A formal follow-up to BMO and XXXX outlining required steps to clear the property title. Highlights the necessity of prompt administrative reconciliation by the bank. XXXX BMO Withdrawal of Notice of XXXX XXXX Official bank correspondence acknowledging the loan reinstatement and withdrawal of the acceleration. Serves as proof that the loan was returned to installment status as of early XXXX. XXXX Email thread with BMO Foreclosure and XXXX A complete historical record of attempts to resolve the foreclosure status and service issues. Demonstrates BMO 's systemic failure to respond to direct inquiries regarding account reconciliation. XXXX XXXX XXXX XXXXXXXX The official recorded document rescinding the Notice of Default and clearing the title of foreclosure. Provides public record confirmation that the default was fully cured. XXXX to BMO - Notice of Error and Dispute - SIGNED.pdf The formal RESPA Notice of Error ( NOE ) disputing the legitimacy of BMO 's forced escrow. Establishes the bank 's federal obligation to investigate and correct these errors. XXXX A supplemental declaration detailing servicing failures and the resulting irreparable harm. Provides sworn evidence of BMOs negligence submitted for the court record. BMO asking instead {$6800.00} to {$13000.00} monthly Recent billing correspondence from BMO containing the disputed charges and high-dollar demands. Serves as proof of the banks continued pursuit of unauthorized funds post-reinstatement. XXXX The formal court petition detailing the case against BMO and the requested legal relief. Outlines the full scope of damages and the ongoing litigation regarding BMOs servicing. Please be advised that my pending loss mitigation application is a separate administrative process and does not waive my rights to demand the immediate correction of these account errors. I look forward to your immediate confirmation of receipt and a prompt, written resolution to these discrepancies before the upcoming court proceedings. Copy of this email along with attachments are being filed in court. Sincerely, XXXX XXXX, XXXX XXXX, XXXX 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