BMO Harris Consumer Loan Complaint

BMO Harris Consumer Loan department,

Vehicle loan Managing the loan or lease Iowa

The bank is making it nearly impossible to pay my auto loan. I have called almost 100 times and still can not get through to make a payment. My mother waited on the phone for an hour and got through to someone only to find out that they charge $15.00 for making a payment over the phone. I need online access to make charge free payments and they will not grant it to me. I have charges that I do not understand and need to be explained except I can not reach anyone to do so.