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How To Create BMO Harris Bank Account Online 2024! (Full Tutorial)In some states, getting your title is an automatic process after you pay off your loan. In others, you may have to submit paperwork to the Department of Motor. Just finished paying off my car loan, or so I thought, BMO won't give me the full payoff amount, they locked me out of my account. They refuse to talk to me on. Or you can write them to request a payoff letter be sent to you. You do have the correct address; BMO Harris NA, PO Box , Sacramento, CA.