BEWARE.. DO NOT DO BUSINESS WITH BMO. Erroneous credit file reporting and unhelpful staff. Shocking drop in quality of service. My family and I have been happy M&I customers for over 30 years.. but, BMO harris is ridiculous. I had a bill pay issue that caused bill pay to have to issue a second mortgage payment after the due date. Harris Bank submitted a 30 day late notice to my credit report, and even though my bill payment service faxed a letter to BMO harries stating that they made a mistake. The banking portion of BMO Harris removed the late fees, but, their credit dispute department representative I've been dealing with is rude and totally uncooperative. I'm now stuck with having to file a federal complaint to address the issue, which I'll be doing shortly along with BBB and every other outlet I can find.