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Business Profile

Bank

BMO Bank N.A.
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BBB Accredited BusinessA+Rated by BBB

Complaints

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

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    Customer Complaints Summary

    • 1,413 total complaints in the last 3 years.
    • 469 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:04/25/2025

      Type:Billing Issues
      Status:
      Answered
      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.
      They cancelled my credit card without any notification, when I contacted the business, they could not give me a reason as to why this was done, as I make my payments on time.

      Business Response

      Date: 04/28/2025

      We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customers inquiry. A letter was sent today April 28, 2025, addressing the concerns brought up in the complaint. Please allow up to seven days for receipt.  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:04/24/2025

      Type:Billing Issues
      Status:
      Answered
      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 am military station in ***** and my ex spouse and I have a boat loan from *** when we were married. In the court order divorce decree, my spouse was awarded the boat and I was to remove my name within 30 days. I've attempt 6 times with 4 different offices to get my name removed. All personnel I've talked too have said that I can visit a local branch with my ex or have her refinance the loan. With me being in ***** this is unreasonable and my ex is that for a reason, she is unwilling to refinance. I've also sent in a copy of my divorce decree to Consumer Finance for this request with a letter on March 25th and nothing was done with this request. Now the loan payment is late and will affect my credit. The last *** I spoke with said that my lawyer can send in legal paperwork to have me removed but when I said I have the same legal paperwork they said it won't work if I said it in. This is unreasonable and terrible customer service for someone that is trying to do the right thing as order by the court.

      Business Response

      Date: 05/20/2025

      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 May 20, 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.

      Customer Answer

      Date: 05/20/2025

       
      Complaint: 23246949

      I am rejecting this response because: Mail to APO addresses can take 1-2 weeks for delivery. Since a letter was posted yesterday, I would like to keep this open until referenced letter is received and reviewed from the company. It is my goal to reach resolution with *** in the most proper way possible and abide by state court requirements.

      Sincerely,

      ******* ******

      Business Response

      Date: 05/28/2025

      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

    • Initial Complaint

      Date:04/24/2025

      Type:Service or Repair Issues
      Status:
      Answered
      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 Mobile deposited my check into my bmp Harris account on April ******* so my check approved and I will receive the money April 29 2025 just got the phone with a representative at 7:00 am April 24 2025 the lady my check was on hold onto April 28 2025 so she said it will be cleared April 29 2025 so I go back to try to log back into my BMO Harris account and its saying I cant access the account so I call customer service and they told me that the check alerted fraud and my check is not fraud the check for business with ******* m ****** now BMO Harris got my account as frozen where I cant get into my account and my money is in that they saying I have to wait to ***** days for review. 

      Business Response

      Date: 04/30/2025

      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 April 30, 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:04/24/2025

      Type:Billing Issues
      Status:
      Answered
      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 been in contact with *** through the branch and over the ******** credit cards and other account got compromised. There were a bunch of fraudulent payments ACH payments made I have hired an attorney. I have put fraud alert on my credit reports I have filed *** reports I went to the *** branch IN PERSON AND PUT A HOLD ON THIS ACCOUNT AND MADE IT Credits ONLY SO WHEN WE FILE THE CLAIM AND THE CREDITS COME TO THIS Account WE MOVE IT TO THE NEW ACCOUNT. WHILE I WAS THERE, I PROVIDED A LOT OF DOCUMENTATION TO THE BRANCH MANAGER. I gave her a bunch of *** reports. I gave her my attorney's contact information and a letter from my attorney, indicating that my accounts have been compromised. My identity has been compromised and how they are in contact with the banks as well as the credit card companies to resolve this situation. I reached out to my other bank so far and let them know about the fraudulent ACH transfers and as soon as they open the case, and they asked for documentation, I gave it to them right away, and they put the case in my favor the next day. *** is giving me nothing but problems and I've given them enough proof to make the case go into my favor yet they're trying to still say that I'm responsible for these unauthorized ACH transfers this is completely frustrating to deal with. I'm already dealing with identity theft and now I have to deal with my bank, not helping me out through this situation even though I gave them nothing but valid proof and the following claim numbers they re trying to hold me accountable for EVEN THOUGH | HAVE LETTERS FROM those credit cards/banks even saying the ach transfers where unauthorized. Discover C2025-184531 C2025-184557 C2025-184581 C2025-184591 C2025 ******* C2025-184642 C2025 ******* C2025 - ****** C2025 ******* C2025 - ****** C2025 ******* C2025-184431 C2025 ******* C2025 -184735Nordstrom C2025-184773 FNBO 1st ********* C2025-184801 *********** C2025-184819 Upgrade C2025-184834 AMAZON C2025-184845 *** C2025-202642

      Business Response

      Date: 05/05/2025

      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 May 5, 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:04/23/2025

      Type:Service or Repair Issues
      Status:
      Resolved
      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 opened a BMO Smart Advantage Checking account and ********************** Builder account on 10/23/2024, with Reference code F5KFTS9. And I had at least $4000 direct deposit into the checking account to get the welcome bonus (around $400). But until today, I still don't receive the rewards and I call *** custom service, and they said they will look into this issue, but I still haven't received a reply. Can you help me issue the rewards for me? Thank you. 

      Business Response

      Date: 05/05/2025

      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 March 3rd, 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.

      Customer Answer

      Date: 05/05/2025

       
      Complaint: 23243199

      I am rejecting this response because:

      Can you send me the pdf through email? But I still don't receive the rewards for the checking account. And I think it is already 2 month for the main delivery.


      Sincerely,

      Mingda Ju

    • Initial Complaint

      Date:04/23/2025

      Type:Billing Issues
      Status:
      Answered
      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.
      On 4/15/2025, when I was reviewing the transactions of my Bank of the West Cash Back World Credit Card, I discovered BMO Bank N.A. unilaterally cancelled my credit card without my prior knowledge, and without any reason provided other than *** was entitled to close my account. ********************** acquired the Bank of the West credit card business before my ********* the closing of my credit card, I owe BMO $8.57 credit card debt. *** owes me $7.6 credit card rewards. Any reasonable person would agree that the rewards would be able to be redeemed by me upon the conclusion of the relationship between *** and I, and given it was ***'s decision to end the relationship. But *** forbids me from redeeming my rewards, while demands me to repay my debt. In other words, *** refuses to pay its debt owed to me, but demands me to pays my debt owed to it. *** is a Canadian ********** least two other American consumers have reached out to me on X complaining about the same experience.I demand: *** cancels my debt owed to it, while I give up **** rewards owed to me.

      Business Response

      Date: 04/24/2025

      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 April 24, ********************************************* 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: 04/25/2025

       
      Complaint: 23241222

      I am rejecting this response because:

      The business has not provided any meaningful response through BBB. The business is likely using delay tactic in the name of protecting consumer privacy.


      Sincerely,

      ****** ****

      Business Response

      Date: 04/28/2025

      A letter was sent to ****** **** on April 24, ********************************************* the complaint. The explanation provided in our previous response letter was reviewed and the Bank stands by its position on the matter as previously discussed. We consider this matter closed. In the interest of protecting our customers confidentiality, we are not posting the contents of the responses 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: 04/28/2025

       
      Complaint: 23241222

      I am rejecting this response because:

      The company has provided no real reason of its actions. 


      Sincerely,

      ****** ****

    • Initial Complaint

      Date:04/22/2025

      Type:Service or Repair Issues
      Status:
      Answered
      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 closed a CD account with *** on Apr 7. Their only method of returning funds to me was through a cashiers check. After this has been done, was informed that it would take a couple business days for it arrive. After 4 business days, I called back as the cashier's check didn't arrive. They said give it a few more days. I called back and they said that it takes 9 to 10 business days. I called on the 9th and 10th business day and they kept saying that it will arrive the next day and I should call back so that they can send a new check.I called today (Apr 22) and was first told that it takes 30 days before they can issue a new one. The call got escalated to a manager and she stated that it is going to take 90 days.I have zero confidence that this payment will come through so I'm not sure why they cannot just stop the check and reissue a new one. I now have to wait until 90 days to call back to see if they can issue a new payment. This leaves me with a big chunk of my money unavailable for 3 months which I need to make payments. They said that there is absolutely nothing that they can do and that I'll have to wait until 90 days to call back.They should have all my call logs from the past 2 weeks. This is in regards to the Certificate of Deposit account ending in 1877.

      Business Response

      Date: 05/01/2025

      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 Patric Oh on April 30, 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: 05/04/2025

       
      Complaint: 23237188

      I am rejecting this response because: I have told them that I am going to be out of the country for the next 2 weeks for my trip. Unless they are going to send another cashier's check or allow me to pick up a newly issued one in a bank branch, they should be able to contact me directly or send a secure message as they have for my other inquiry. There doesn't seem to be a timely resolution attempt for a customer's payment that is missing for a month already.

      Sincerely,

      Patric Oh

      Business Response

      Date: 05/05/2025

      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.

    • Initial Complaint

      Date:04/22/2025

      Type:Product Issues
      Status:
      Answered
      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.
      Received and using BMO Cash Back Mastercard credit card. Rewards for using card 5% back on charged streaming services and another 5% back after one year anniversary.Card opened 08/26/2024.All monthly payments on time.Had accrued several 5% back purchases with matching 5% back due on anniversary 08/26/2025.BMO Cash Back Mastercard terminated without notice by BMO 04/05/2025 and no reason given.Unexpected closure caused auto-monthly charges to be defaulted and accrues 5% bonus rewards forfeited.VERY DISTURBING! Excellent FICO score.

      Business Response

      Date: 04/24/2025

      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 April 24, 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: 04/24/2025

       
      Complaint: 23236325

      I am rejecting this response because: I most likely won't receive their NEW letter of explanation until AFTER my 7 day window closes at BBB. Their original letter of explanation dated April 10 and not received until April 20 was 20 days AFTER my auto-pay accounts were rejected! (Original notification is enclosed as a reference.) Thank you.

      Sincerely,

      ***** *********

      Business Response

      Date: 04/25/2025

      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: 04/29/2025

       
      Complaint: 23236325

      I am rejecting this response because: There is no reference to my lost 5% accumulation under original offer of doubling 5% purchases at one-year anniversary. 

      Sincerely,

      ***** *********

    • Initial Complaint

      Date:04/22/2025

      Type:Service or Repair Issues
      Status:
      Answered
      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 was notified about a negative balance on my checking account on 4/11/25 from the bank and went to the branch. Later found that my account was hacked electronically and my funds were transferred out and spent on TikTok with a fake card, including my wife's personal info. I disputed all transactions and opened an investigation, which found that I am liable for the fraud even though I had this account for more than 30 years and never did any electronic transactions and even was not registered electronically. They are not admitting that I am not the one who made this fraud . Overall, I lost all my working capital for 35 years.

      Business Response

      Date: 05/14/2025

      We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customers inquiry. A letter was sent today May 14, 2025, addressing the concerns brought up in the complaint. Please allow up to seven days for receipt. We also responded to a similar complaint directly to the ****. 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: 05/15/2025

       
      Complaint: 23236204

      I am rejecting this response because:

      Sincerely,

      ****** ********

      Customer Answer

      Date: 05/15/2025

      I am not agree with the *** decision because they are lieing about the case and stating that my wife made all transactions and she was aware of it . They said that i made a paperles set up and when we me and my attorney question them when we made a paperless set up and where the electronic statements were send they refused to answer to the questions . If we made the transactions  then we should of getting few of the goods that we purchased delivered to us but we did not get any . Is this a good reason to be disagree with the decision .plus police warrant will open the complete details of orders including ip numbers of the orders and the place from where the orders were placed .

       

      Business Response

      Date: 05/15/2025

      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 response. BMO Bank N.A. considers this
      matter closed. Thank you. 

      Customer Answer

      Date: 05/27/2025

       
      Complaint: 23236204

      I am rejecting this response because:
      We are rejecting the bmo respond which is baseless  built on lie and fraud  . There investigation has no single fact to proof that we got any contact from them they just want to cover their inability to protect consumers money and rights . We are in process of law suit which will bring them to the justice and punish them for their uselessness  and everything will find its place in order . 
      Sincerely,

      ****** ********

      Business Response

      Date: 05/27/2025

      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.

    • Initial Complaint

      Date:04/21/2025

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      The business cancelled a credit card I had with them with no warning, the letter following had no explanation as to why, when I spoke with a manager by the name ****, she informed me that it had nothing to do with my credit score or payment history and that was it.

      Business Response

      Date: 04/22/2025

      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 placed in the mail April 22, 2025, to the customer, 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.

      Customer Answer

      Date: 06/10/2025

       
      Complaint: ********

      I am rejecting this response because: I need to reopen case ********. ******** indicated that they would send a letter to me explaining why they had chosen to close my account. To date this letter has not arrived but other correspondence from *** unrelated to this complaint arrived at my home. At this point I'd like to add the lack of promised response to my list of complaints. 

      Sincerely,

      ***** *******

      Business Response

      Date: 06/10/2025

      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 initially sent to ***** ******* on April 22, ********************************************* the complaint. We have sent the letter response again on June 10, 2025. Our stance remains unchanged, and we ask that the customer allow sufficient time of 7 to 10 days for mail delivery. We consider the matter closed. In the interest of protecting our customers 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: 06/10/2025

       
      Complaint: 23231721

      I am rejecting this response because: *** has not provided the letter that was promised in their response. *** has been able to send other correspondence to my home that is unrelated to my complaint. 

      Sincerely,

      ***** *******

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