Complaints

This profile includes complaints for BMO Bank N.A.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  BMO Bank N.A.

  320 S Canal St Chicago, IL 60606

  
• 

  BMO Bank N.A.

  111 W Monroe St Chicago, IL 60603

  
• 

  BMO Bank N.A.

  10 Huntington Lane Wheeling, IL 60090

  
• 

  BMO Bank N.A.

  10 S. Villa Avenue Villa Park, IL 60181

  
• 

  BMO Bank N.A.

  1000 N. Lake Shore Drive Chicago, IL 60611

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:07/10/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I just opened a (I believe) smart advantage checking account on Monday 7/7/25 with ***. I was never prompted for a bonus code, but I was asked how much I would be depositing. I informed about 2500 a month. On Thursday I came across an add that stated *** was running a promotion until 9/18/25 for smart advantage checking new accounts, that if $4000 is deposited I would get a $400 bonus. I called the branch on ******************************************************** where I opened my account and was told if I had the code they would add it to my account. I didnt have a code just the offer. So, I called customer service and was told the same thing, that they didnt have a code to give to add to my account. I asked how you can run a promotion without giving out the codes and all the branch or 800# would say is it comes in an email offer. Well, Im no genius, but 2500X3 should be 7500 within a 90-day period and should have triggered this said email that never came. This is false advertisement and basically clearly bait and switch tactic that BMO is doing. Someone needs to look into this, or they need to honor their promotion.

  

  Business Response

  Date: 07/16/2025

  We are in receipt of the complaint for the above referenced customer and we welcome the opportunity to respond to the customers inquiry. A letter was sent to ***** ****** on July 16, ********************************************* the complaint. In the interest of protecting our customers confidentiality, we are not posting the contents of the letter in this forum.  Please let us know if we can assist further regarding this matter. Thank you for taking the time to bring this matter to our attention.

  Customer Answer

  Date: 07/17/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***** ******

• Initial Complaint

  Date:07/10/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I've had a cash back rewards card through *** for years. I've been able to get my cash back through my checking account until all of a sudden, they forced me to open a checking account through them and that's the only way I could get my cash back rewards deposited now. I reluctantly agreed, only on the condition it was a free checking account with no paper statements or monthly fees. They said yes and so I moved over my cash back rewards. Fast forward months later, they snuck in paper statements and began charging me $3 a month. Now the checking account balance is all but emptied and they will not reverse the fees. I asked politely through their channels, and they continued to deny their responsibility. I always only open a checking account if it's free and always never got paper statements. I didn't this time either, but they sent them anyway and started charging me.Please help them correct this unethical behavior. Forcing me to open an account with them because they held my cash back rewards hostage is unethical enough, but to lie to my face and charge me fees for months, inexcusable.  

  

  Business Response

  Date: 07/16/2025

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A letter was mailed to **** ******* on July 16, 2025, addressing their concerns. Please allow 7-10 days to receive the letter sent via ****. In the interest of protecting the customers confidentiality, we are not posting a summary of the correspondence in this forum. Please let us know if we can assist further regarding this matter. Thank you for taking the time to bring this matter to our attention.

  Customer Answer

  Date: 07/16/2025

   
  Complaint: 23579768
  
  I am rejecting this response because: How dodgy and unsurprising after such unethical behavior. I'm traveling abroad at this time, I'm not home to collect my mail, which conveniently for you appears to be arriving after BBB will hold this complaint open. Please actually respond via this mediation platform, because I cannot fly home just to check my mail. What an insult after already treating me like garbage.
  
  Sincerely,
  
  **** *******

  

  Business Response

  Date: 07/16/2025

  We are in receipt of the additional comments provided by the above referenced person.  We have reviewed the concerns and have nothing additional to add to our original responses.  BMO Bank N.A. considers this matter closed.  Thank you. 

  Customer Answer

  Date: 07/16/2025

   
  Complaint: 23579768
  
  I am rejecting this response because: clearly they are cowarding away from accepting responsibility for their unethical behavior and lack of communicating like honest adults. They take advantage of their clients by forcing them to open checking accounts through them just to get their cash back rewards, and then scam them by falsely imposing fees that were not agreed to upon opening the checking account. When confronted with this obvious theft and responsibility to return these funds to their rightful owner, they lie and say I agreed to e-statements AND paper statements. Why would anyone do that? I never get paper statements. I never got paper statements through *** for the aforementioned credit card account, why would I agree to them now? This is a scam right from the start by forcing me to have their checking account to get my money. Now they cowardly retreat from communication via this perfectly legal mediation because they know how to use these delay tactics and take advantage of someone who is not able to check their mail on time. Shame on ***. This matter is not resolved and this story will go to the outlets it needs to go to.
  
  Sincerely,
  
  **** *******

• Initial Complaint

  Date:07/07/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  06/27/2025 I deposited a cashier's check, the money still has not been released to me, and if I had known I would have to wait this long, I would have taken the check elsewhere.

  

  Business Response

  Date: 07/08/2025

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A letter was mailed to ********* ***** on July 8, 2025, addressing their concerns. Please allow 7-10 days to receive the letter sent via ****. In the interest of protecting the customers confidentiality, we are not posting a summary of the correspondence in this forum. Please let us know if we can assist further regarding this matter. Thank you for taking the time to bring this matter to our attention.

• Initial Complaint

  Date:07/03/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  1st part of complaint--- I made a payment to *** for the amount due (which was an odd less amount-- not my normal amount due) But I paid what was online bill to pay. I was notified today that there was a past due amount of $61.90. (which still would not total my normal bill amount-- but I paid it when they told me) I was then told I was accessed a late fee for that!!! How is that even legal! I paid the amount listed as due. but due to their clerical error... I was accessed a late fee!!! Now on to my 2nd but biggest complaint. *** bank States I am allowed a 10-day ***** period to make a payment. I have made payments, and they have been withdrawn from my account within the ****** ***** ******* *** states they are not crediting it to my account until after the 10-day ***** period and assessing me late fees. BUT--- I have never been advised there were any late fee to pay until today. I was informed that the 1st late fee was from 2022!!!! NONE of my bills online show a late fee and there are not any "other" fees either. How is one to even know to pay a late fee if there isn't one on the bill? Also, numerous times I have rounded up my payment (paying extra) but yet that has not gone towards any type of "mystery" late fee. Honestly, I don't know where it goes. After spending over 2 hours on the phone with them today; I was informed that I cannot make a late fee payment online and I would have to call and speak with someone to specify I want the money to go to a late payment. Firstly... How would anyone know to make that late fee payment if there is never a late fee showing online on my bill? Nor have I been notified of a late fee.Secondly...When rounding up a payment...if there is a fee due to ***, why would they not apply that toward that fee? Thirdly... How is one to even know that a specific phone call would have to be made to pay a late fee if you are not told that?I have NEVER dealt with a bank with this kind of Fraudulent practices. UNREAL. 

  

  Business Response

  Date: 07/11/2025

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A letter to the customer was placed in the mail on July 11, 2025, addressing their concerns. Please allow time for mail delivery. In the interest of protecting our customers confidentiality, we are not posting the contents of the letter in this forum. Please let us know if we can assist further regarding this matter. Thank you for taking the time to bring this matter to our attention.
  

• Initial Complaint

  Date:06/28/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My bank is limiting access to my money. I wrote a check for $18,000 to purchase something with my own personal check and signature. My own bank denied my check without calling, sending a text, or anything. I was paying off a loan that charges $7.49 per diem each day. I wrote the check on the 17th of June. So far over $80 in per denim charges because my bank is telling me how to spend my money. I want someone's job, and I want my per diem back. I have also sent another personal check to pay it off again. Stupid calling supervisor who says just go into the bank and wire transfer. It costs money to go to the bank, and for the wire transfer, they charge. There is nothing wrong with bank-purchased checks to have that bank deny its own check.
  

  

  Business Response

  Date: 07/09/2025

  We are in receipt of the complaint for the above referenced customer and we welcome the opportunity to respond to the customers inquiry. A letter was sent to ****** ****** on July 9, ********************************************* the complaint.  In the interest of protecting our customers confidentiality, we are not posting the contents of the letter in this forum.  Please let us know if we can assist further regarding this matter. Thank you for taking the time to bring this matter to our attention.

• Initial Complaint

  Date:06/27/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My ** matured on 5/29/2025. I called the *** long before the ** matured on 5/6/2025. I talked to customer care and requested to close the ** at maturity and send the payment to the linked Chase ******** I was assured I do not have to follow up, and the balance will be sent to *****. In mid-June, when I checked my Chase ******** I did not receive the money. I called ***, and they said it was auto-renewed and could not be cancelled unless I paid an early withdrawal penalty. Although I called them, they denied the request. They told me they sent an email at maturity; I did not receive any email at maturity either.
  

  

  Business Response

  Date: 07/06/2025

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A letter to the customer was placed in the mail on July 3, 2025, addressing their concerns. Please allow time for mail delivery.  In the interest of protecting our customers confidentiality, we are not posting the contents of the letter in this forum. Please let us know if we can assist further regarding this matter. Thank you for taking the time to bring this matter to our attention.

• Initial Complaint

  Date:06/27/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Having issues with the bank branch manager not responding and also the branch itself not giving the info needed. And how they're holding money from a check when they have had the money for 3 days. But they have a lot of complaints and discuss materials, like when they're having in-house meetings and need a banker, they make the customer wait till their meeting is done. Like my business doesn't matter. I'm looking for a call today and for this to be fixed. I don't know if I will ever deposit more funds into this bank. Or count on them for my business needs.
  

  

  Business Response

  Date: 07/01/2025

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. An email was sent to ****** ******** on July 1, 2025, addressing their concerns. In the interest of protecting the customers confidentiality, we are not posting a summary of the correspondence in this forum. Please let us know if we can assist further regarding this matter. Thank you for taking the time to bring this matter to our attention.

• Initial Complaint

  Date:06/25/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This time I am not let them get away this because I had fill complaint against them before in past no resolve and they had lock me out my own account last month 6-9 months when I fill complaint against them for it this honest they didnt help me this station when they said wrote me letter which lying other because my aunt said she never received any of letter from *** bank I want answers by email no call or back forwarded I am get angry because I basic deal with their company service last time they were told me they cant unlock my account and I go to bank for undone and I like get my $25 out of my account since they locked me out and want full apology for their actions last time they ignored me my request I want them email me about this with proof document why my account is locked out no sent my aunt account this time.

  

  Business Response

  Date: 06/27/2025

  We are in
  receipt of the complaint for the above referenced customer and we welcome the
  opportunity to respond to the customer’s inquiry. A letter was sent to Nanika Sissoko on June 27, 2025 addressing the
  concerns brought forth in the complaint.  In the interest of protecting our customer’s
  confidentiality, we are not posting the contents of the letter in this
  forum.  Please let us know if we can
  assist further regarding this matter. 
  Thank you for taking the time to bring this matter to our attention.

  Customer Answer

  Date: 06/27/2025

   
  
  Complaint: 23519263
  
  
  
  I am rejecting this response because: I want open communication with them on my email one for sure and second they still didn’t sent my letter to my aunt house so I had no ieda 

   

  can please have them email me about this 
  
  
  
  
  

   

   

  Sincerely,
  
  
  
  Nanika Sissoko

  

  Business Response

  Date: 06/30/2025

  A letter was sent to Nanika
  Sissoko on June 27, 2025 addressing the concerns brought forth in the
  complaint. Our stance remains unchanged, and we ask that the customer allow
  sufficient time for mail delivery. We consider the matter closed. In the
  interest of protecting our customer’s confidentiality, we are not posting the
  contents of the letter in this forum. Thank you for taking the time to
  bring this matter to our attention.

  Customer Answer

  Date: 06/30/2025

   
  
  Complaint: 23519263
  
  
  
  I am rejecting this response because:
  
  
  

  I have spoke to BMO agent and they are aware this whole situation since they didn’t listen my complaint all and if they try close case I will fill complaint against them with bank manager that since they refused help me 

   

   

  
  
  Sincerely,
  
  
  
  Nanika Sissoko

• Initial Complaint

  Date:06/25/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Since opening my account with *** my account has been flagged for fraud multiple times causing me to call in, multiple times on certain days, long unnecessary holds put in my deposits and overall horrible experience with them. I initiated a "chat" for assistance to close my account and they responded that I had call in. I called in and they refused to close my account after I fully verified. The lady said there was a "staggered note" on my account that prevented her from closing it due to fraud. I asked for a manager and she transferred me to an "account resolution specialist" named ********************** ID ****** in ********************. She was very rude and unhelpful, she wouldn't tell me what "flag" was on my account or give me any information as to why they wouldn't close my account. I am being discriminated against by *** since opening my account and cant understand why. I have a new account with ***** Fargo performing all the same transactions I have with BMO without a single issue or problem. I have explained my issues with *** to the branch manager at **************** and she has advised these are all unprofessional and unreasonable efforts by ***. I want my account closed and compensation for all my wasted time. I get paid $65 an hour and have wasted at least 12 hours in the past three months. A check for $780.00 will properly compensate me for my time. 

  

  Business Response

  Date: 06/27/2025

  We are in
  receipt of the complaint for the above referenced customer and we welcome the
  opportunity to respond to the customer’s inquiry. A letter was sent to Steven
  McCarty on June 27, 2025 addressing the concerns brought forth in the
  complaint.  In the interest of protecting
  our customer’s confidentiality, we are not posting the contents of the letter in
  this forum.  Please let us know if we can
  assist further regarding this matter. 
  Thank you for taking the time to bring this matter to our attention.

  Customer Answer

  Date: 06/27/2025

   
  
  Complaint: 23517101
  
  
  
  I am rejecting this response because:

  They mailed me a letter.  They could have called...guess I will have to wait for the letter to arrive. 

  
  
  
  Sincerely,
  
  
  
  Steven Mccarty

  

  Business Response

  Date: 06/27/2025

  A letter was sent to Steven
  McCarty on June 27, 2025 addressing the concerns brought forth in the
  complaint. Our stance remains unchanged, and we ask that the customer allow
  sufficient time for mail delivery. We
  consider this matter closed. In the
  interest of protecting our customer’s confidentiality, we are not posting the
  contents of the letter in this forum.  Thank you for taking the time to
  bring this matter to our attention.

  Customer Answer

  Date: 07/01/2025

   
  
  Complaint: 23517101
  
  
  
  I am rejecting this response because:  Although it addresses the horrible customer support I recieved and the lack of support, it does not address the initial problem.  No one would help me because they said my account was flagged for fraud and there was a "staggard note" that says they cannot help me.  Your letter states you were unable to verify me and that is false, I was able to verify myself as I have everytime I had to call and that was often over the short time I had this account open.  I was clearly flagged for some type of obserd fraud which led to my card constantly being declined, checks being held and forcing me into a branch for assistance.  You rejected my request for compensation which I assumed you would but leaves me with a letter that aplologises for bad customer support but no explination why I was discriminated against.  Your "solution" is rejected and BMO deserves this black mark on their BBB record so other potential consumers know how you do buisness.
  
  
  
  Sincerely,
  
  
  
  Steven Mccarty

• Initial Complaint

  Date:06/24/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have an auto loan with them and need to change my wifes name on the title so that it will show up correctly on the annual State registration for the vehicle. The *** representative said that can only be done if I refinance the loan. Thats not an appropriate action since it would raise the payments.*** had other loans with other institutions that simply changed the name on other titles.

  

  Business Response

  Date: 06/27/2025

  We are in
  receipt of the complaint for the above referenced customer and we welcome the
  opportunity to respond to the customer’s inquiry. A letter was sent to Jeffrey Gorball on June 27, 2025 addressing the
  concerns brought forth in the complaint.  In the interest of protecting our customer’s
  confidentiality, we are not posting the contents of the letter in this
  forum.  Please let us know if we can
  assist further regarding this matter. 
  Thank you for taking the time to bring this matter to our attention.

  Customer Answer

  Date: 06/27/2025

   
  
  Complaint: 23511858
  
  
  
  I am rejecting this response because: their response simply said they sent me a letter today. Since I don’t know the content of their response it would be impossible for me to judge satisfaction or not until I have received and read their letter.
  
  
  
  Sincerely,
  
  
  
  Jeff Gorball

  

  Business Response

  Date: 06/30/2025

  A letter was sent to Jeffrey
  Gorball on June 27, 2025 addressing the concerns brought forth in the
  complaint. Our stance remains unchanged, and we ask that the customer allow
  sufficient time for mail delivery. We consider the matter closed. In the
  interest of protecting our customer’s confidentiality, we are not posting the
  contents of the letter in this forum. Thank you for taking the time to
  bring this matter to our attention.

  Customer Answer

  Date: 07/01/2025

   
  
  Complaint: 23511858
  
  
  
  I am rejecting this response because: As I originally stated, Until such time as I receive the letter indicated in the response, I cannot at this time judge the response. Since I must provide a response to BBB about this matter now, before I have received the letter, it is impossible to accept and close this matter at this time
  
  
  
  Sincerely,
  
  
  
  Jeff Gorball