Consumer complaint received 2025-09-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Installment account XXXX Just trying to make payments. 
Issue # 1 -- extremely slow processing times. I have on several occasions, scheduled same day payments and the bank takes days and days to initiate through my credit union. It's not my credit union ( s ), because I bank through 2 institutions and it's only payments to your BANK that have consistent issues.

This last time around it took you over a week to process my payment. I thought it had cleared already while glancing at my balance during an ATM withdrawal, then accidentally overdrew the account. You charged a fee for the declined payment ( which I get ), then you tried to rerun it immediately and got declined again. And charged me again. That's XXXX XXXX XXXX immoral. Give me my money back. 
Issue # 2 -- Once I noticed the payment issue, I waited till my next payday to reschedule the past due and current payments. I SCHEDULED 3 SAME-DAY payments of {$230.00}. Two of them to make up for past due payments and a 3rd to cover for the month of XXXX. Two of those transactions have occurred/pending against my regular financial institution. The 3rd payment seems to have disappeared into the air. It is not pending/processing.

Hey guess what? Your website sucks and none of my payments ever shows up on the " account transactions '' history. I have no way to even see if it's pending on your end. 
Issue # XXXX -- You removed my regular bank account info after I miscalculated your bank 's incompetence and payment process times. Why? 
Issue # XXXX -- I'm a XXXX. I XXXX XXXX XXXX XXXX. I can't reliably make or receive phone calls, and internet is spotty, at best. I wish to have a way to write a simple online message to your bank in order to troubleshoot these account issues, but I'm not able to do that. For XXXXXXXX XXXX  aren't there protections under the Soldiers & Sailors Act? I'm just trying to pay my bills and your bank makes this nearly impossible. 

Please take this into consideration : I pay monthly bills to XXXX different insurance companies, XXXX utility companies, XXXX credit cards. I bank online through XXXX credit unions and day trade through XXXX. 
YOUR BANK IS THE ONLY COMPANY WITH WHICH I HAVE CONSISTENT ISSUES. 
STOP SETTING UP YOUR CUSTOMERS FOR PAYMENT MISTAKES. 
STOP STEALING MY MONEY THROUGH YOUR B.S. FEES. 
PLEASE HAVE SOME WAY FOR ME TO CONTACT SOMEONE THROUGH YOUR BANK. Not everybody has the convenience of working close to home or the ability to utilize normal contact methods. It is absolutely unacceptable that I have no way to contact your bank while I'm away at sea. I don't have this issue through any of the other financial institutions. Just you pack of fools. I didn't choose to bank here, you fellows assumed my installed loan from another company. I have no choice but to do business with you people. Please make it convenient to do so.

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