BMO Harris Mortgage Complaint

BMO Harris Mortgage department,

Conventional fixed mortgage Credit decision / Underwriting Illinois

On or around -/-/-, I applied for a mortgage loan to reduce my mortgage payment at BMO Harris Bank - Illinois - - location. I talk with - - ( - ). I sign a paper so I could start the application process and for him to Pull my credit report at which time I had told him I had file for bankruptcy in -/-/-.He said that did not matter, because they 're doing this new program, where I get a grant to pay closing cost for $1000.00. This sounded good. Made an appointment, I gave him copies of my Bank statements for 2 months current copy and current copies of my mortgage statement for 12months and information about property taxes, and home owner insurance, then he asked me for a lease for the rented apartment I said ok made another appointment .he did not show up for this appointment. re-schedule. I got tried of the run-around and called him and said that ok about the loan. Then I decide to try again because no one would give me a loan. On -/-/-. I called - - - and asked was it to late to get the loan he said


again, he said '' NO. he said they keep the credit report for 90 days on file. I said ok. Then on -/-/- I receive a credit alert on my credit report that a hard pull was being made by BMO Harris Bank . I then gave - - a called and asked him why he had pull my credit report again, he said he was sorry they only keep it for 30 days. I was upset so I just waited to see if I would get approve for the loan. He told me I would receive a package in the mail bring it in we will go over them. I did receive the package and a statement of credit denial letter dated -/-/-. reason for denial Bankruptcy I called him today and told him that he knew I had file bankruptcy and should not have kept pulling my credit report and told him that I told him doing the application procedure that I had file chapter -. he said he was sorry but have not seen the denial letter yet and would call me as soon as he see it. I said ok and file this complaint on - -. - - -.