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 applied for a line of credit a month ago. For all intents and purposes the loan was approved two weeks ago, because the bank filed and received a loss payee on my homeowners insurance policy. I have contacted my banker and she cannot explain why the approval to close the loan has not been given. This in spite of several calls to the people in charge of giving the O. K. No one seems to know what the problem can be at the lending facility. I have dealt with banks for over 50 years, borrowed several hundred thousand dollars and have never encountered such disregard for customers.
CARL D. HUGHES
We recently obtained an auto loan - the dealer hooked us up with bmo harris who had a good rate. We got a coupon book (haven't seen those in awhile) but there is no way to make payments online unless you have a checking account with them. You can make same day payments over the phone for a fee. When i called them they suggested i make payments through one of their branches. Their drive through lanes are really archaic. The third payment i made was "lost". I called and couldn't use the phone information service unless they mailed me a pin. Waited on hold forever and got a person - they called the branch who couldn't find the payment. I'm hoping to get a loan elsewhere and pay bmo off but now i have a "used" car (bought 5 months ago) so i probably won't get as good a rate. I'm so frustrated. I'm going to start mailing the payments and hope for better results