Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Certified Letter below sent to creditor BMO BANK.- No response to request or any communication. 

XXXX XXXXXXXX, Please escalate this to the offices of the executives. 
I received a Notice of Default and Right to Cure Before Repossession dated XX/XX/XXXX. THIS NOTICE IS AN ERROR. 
In XX/XX/XXXX, I called BMO because of a XXXX XXXX and asked for some assistance. I was asked questions regarding my bills, income, and reason for request. I was granted XXXX XXXX of small payments of {$35.00}, then returning to normal payments in XX/XX/XXXX of {$310.00}. I was assisted by XXXX XXXX from BMO. I have been told after the fact and days later, she said made an error in the calculation after I made my agreed hardship payments, see email below and you accepted my payment. 
I started XXXX and XX/XX/XXXX with my original payments of {$310.00} and am in currently in good standing. If your representative did make a mistake, I never received an email or letter and why did XXXX accept my payments. 
Notice of default states I owe {$880.00} by XX/XX/XXXX. I have spoken with no less than XXXX representatives to resolve this matter. I went to a branch and ask them to call the RV loan department. I have filed a claim with the offices of the executives and still no resolution. Again, I would expect a company like BMO to honor their word. I am a good customer and always paid on time but had a XXXX XXXX XXXX XXXX XXXX  ) and needed help. 
Please call me at ( XXXX ) XXXX. If I miss your call, leave me a voicemail and I will call back. I am asking not to speak to customer service representative but a manager and above for resolution. 
Thank you, XXXX XXXX BELOW is a copy of the email receipt of my hardship payment accepted. 

XXXX XXXX XXXX BMO RV Payment/Hardship/Accepted XXXX XXXX message XXXX XXXX XXXX To XXXX XXXX XXXX XXXX Fri, XX/XX/XXXX at XXXX AM This payment was for the amount of the amounts of the hardship for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX = {$100.00} XX/XX/XXXX start over {$310.00} -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX Date : XXXX XXXXXX/XX/XXXX at XXXX Subject : BMO XXXX XXXX XXXX Confirmation XXXX To : XXXX Dear Customer, Thank you for using BMO XXXXXXXX XXXX XXXX 
Details of your payment for Loan Account XXXX XXXX are below. 
Payment Date : XX/XX/XXXX Payment Amount : {$100.00} Loan Account Number : XXXX Payment Account : Checking XXXX Payment Reference ID : XXXX If you have any questions concerning your payment, please contact us at XXXX. 
To explore other ways BMO Bank can help, please visit us at bmo.com. 
Thank you, we appreciate your business. 
Please note : This email message was sent from a notification-only address that can not accept incoming email. Please do not reply to this message.

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 non-monetary relief