Zero stars if I really could. Had a car loan with bank of the west. Bought out by BMO. The loan was for my husbands car and despite me adding him as an authorized user multiple times per phone request, email and letter sent, they never ever allowed him to call or request info or make a payment. Cannot Zelle money. All money sent in for the loan had to be wired or direct deposit. Very inconvenient. I always had to three way to intervene and allow payment. They declined his last payment because it wasn't me then it was late a few days and they were QUICK to report to credit bureau. I decided to simply pay off the loan because we preferred not to deal with this bank anymore. We were never given a pay off or zero balance statement. I'm in the middle of the home buying process and my loan won't get approved because BMO won't offer proof that I paid off the loan. Credit bureau already shows account as closed, DMV released them as the lien holder but BMO customer service states proof can be mailed in 9 days or faxed in 4 days. Email not an option despite extensive ID verification. I physically went to the branch to request the pay off. I was informed the loans are not managed at the branch level and that the request needs to be through corporate customer service. So I'm the middle of a short escrow, BMO cannot provide simple customer service to a paying customer. Would not recommend this bank for anything. read more