We have been harris bank customers for well over 15 years, we have checking accounts, 401k accounts, and savings accounts. 10 years ago we needed money for kids college funding, we took out ahome equity loan interset only paid for ten years. We had pretty good credit scores, our scores got better so we thought of using them for our cars, they wanted way higher interest rates than Ford Motor Credit, so we did not use them.
In 2009 I got let go from my job, the bad economy and our ability to pay some of our bills on time led our credit scores to get lower. We did not walk away from our house we struggled to make payments but we made them.
Now that our home equity is up and we need to refinance, our credit scores are lower Harris wants to make much larger payments than we can afford.
The fact of the matter they tell us that now that our house value is equal to amount left on the first mortgage the second loan through them is not secure, so they want their money.
I have half a mind to say fine, and walk away from the house and they would not get a red cent for all the aggrevation they have put me through, but I will only do that as a last resort.
I can never get a supervisor or anybody that has any authority on the phone, or even by going to one of the branches.
Well I am taking every red cent of money I have out Harris Bank, I know it doesn't mean much to them but it is the only weapon we have when you don't like the service or results.
I've had an account with these corporate profiteers for over 15 years, and have seen the service slide and the charges and scams increase, since first M&I and now Bank of Montreal has taken over. Most banks give accurate listings and messages about transactions on their online account, and keep regular business hours. Whoever heard of posting a check at midnight, after business hours, and then ignoring reserve accounts or deposits, so they can level an overdraft fee? By their own supervisor's admission it is inaccurate, and one asks the question then why do they promote its use? My parents' can't write checks out to businesses like Walmart or Petsmart, since BMO took over. No one can explain why, except to say it must be the automatic checking system that Bank by Morons uses. There seems to be constant turnover of employees, and the ones that are there always seem to be distracted or rude, while having a grand old time socializing among themselves. I think I've had enough of the poor service, no benefits, and excessive charges, and will be switching banks, because although it's a Bank run by morons I don't want to be a moron who continues to put up with this insult to banking.
Since November, they have been taking ten dollars from my checking account every month. When I opened my account four years ago, I was assured there would be neither fees nor service charges. But after a policy change last year, of which I was NOT informed, a restructuring of rates took place. Thus I had to maintain a *minimum* of $1,000 in the account or I would be charged every month. As a college student, I have *never* had more that $20 in my pocket, let alone $1,000 at any given time. Now I'm being charged money because I don't have enough? What kind of backwards, Catch-22 rational can possibly justify such a policy? "Theft" is the only word that comes to mind in this situation of blatant capitalist greed.
Based on some of the other reviews here by people with more compounding issues (such as loans and mortgage rates, etc.) this complaint may not seem noteworthy. But as a college student, every cent counts. When I found out that every month Harris Bank had been stealing my money, I immediately closed my account. Never again will I use a bank to store my hard earned currency. I do not recommend Harris Bank to anyone with integrity or principles.