Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #8155483
Complaint Overview
Complaint ID: 8155483
Company: BMO Bank National Association
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Old information reappears or never goes away
State: California
ZIP Code: XXXXX
Date Received: 2024-01-13T12:00:00-05:00
Date Sent to Company: 2024-01-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I had an unsecured credit card with Bank of the west open in XXXX at some point I got delinquent on my account and Bank of The West decided to close my account and shortly after they started the collection process. Before agreeing to pay my balance owed that was less than XXXX XXXX dollars. I ask if I pay off this balance would they delete it from my credit report and was told they could do that. This was a verbal agreement and I made the mistake of not getting in writing or follow up in writing. I paid it and Bank of the West did not honor their end the agreement. I tried to dispute it with credit bureau and was not successful at getting a resolution. Bank of the West is not being transparent when it comes to reporting to all XXXX bureaus there appears to be information that is not consistent
Frequently Asked Questions
What is Complaint #8155483 about?
Complaint #8155483 was filed against BMO Bank National Association regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-01-13T12:00:00-05:00.
How did BMO Bank National Association respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against BMO Bank National Association?
Yes, visit the BMO Bank National Association company profile at readthecomplaint.com/company/bmo-bank-national-association to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.