BMO Harris Mortgage Complaint

BMO Harris Mortgage department,

Home equity loan or line of credit Application, originator, mortgage broker Wisconsin

A online application was submitted along with all the pertinent documents. The processor - - left her position and stopped responding the emails and requests for updates on the status of the mortgage. I applied online for this loan on via their website On - they mailed a packet of documents to sign as well as a list of the items needed in order to review the loan. I emailed her with all the information requested and she had full documentation in her hands in a timely manner. These are the dates of the emails ... .. -, -, -, twice on -, -, -, -, -, 4 times on -, -, - and -. There are so many emails because I kept requesting verification that she had everything she needed. She did not respond until - at which time she finally responded and advised me that she switched to a new position and would get back to me " by the close of business '' that day with the new processor/loan officer information. I never heard from her again. I then called BMO and asked to speak to her boss. I was advised it was - - which I


today - and was now told that well too bad it does n't really matter because now the application is expired and we will have to submit a new application. Neither - or - apologized for the way this was mishandled not to mention that they did not adhere to the CFPB rules as far as time to complete the review of the application as well as notifying me of the approval or denial etc .... I have all my phone records and emails. No calls or letters were received from BMO other than a letter from - at which point all the additional documentation was provided. I have proof in my emails that they had everything they needed on time to make a decision regarding approval or denial of the loan. - dropped the ball and the entire loan file and now - her new boss is backing her this is very disturbing. I have yet to be provided the information that - was going to provide me with on - which was the new processor. Now that they let the time expires they expect me to start all over and reapply. I still have not received a loan denial letter if that was the case I was only told so today because of the length of time. If I did n't call today I would have no idea I would need to reapply. I did advise them I would be filing this complaint.