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. has 969 locations, listed below.

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  BMO Bank N.A.

  320 S Canal St Chicago, IL 60606

  
• 

  BMO Bank N.A.

  100 West Washington Street Marengo, IL 60152

  
• 

  BMO Bank N.A.

  1000 S. La Grange Road La Grange, IL 60525

  
• 

  BMO Bank N.A.

  1050 Maple Avenue Lisle, IL 60532

  
• 

  BMO Bank N.A.

  10500 W. Cermak Road Westchester, IL 60154

  

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:01/05/2023

  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.

  I purchased a car an got a loan through *** Harris in February of 2022. My car was totalled on November 5th and the accident was not my fault so the insurance covered the pay off. They told us to stop making payments and sent in the check to pay the vehicle off. It's been 2 months and they are hanging up on us, telling us they're Unable to help us, and hitting my credit HARD because of "late payments" on a car that was totalled and the pay off was sent for! Absolutely disgusted with these people and the way they run their buisnes. I will be sure nobody I know uses this bank. Absolutely vile the way they treat their customers!

  

  Business Response

  Date: 01/13/2023

  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 to teh customer on January 13, ******************************** 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:01/05/2023

  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.

  I've been asking for some intervention in regard to a charge in my.debit card of ***** I've called my local *** location and they've told me there's nothing they can do. The amount of ***** has NEVER been refunded. The representatives at *** tell me to "wait".I'd like and immediate credit of ***** to my checking account

  

  Business Response

  Date: 01/09/2023

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. Correspondence was sent to *********************************** on 1/9/2023 addressing the customers concerns. In the interest of protecting our 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:01/03/2023

  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.

  I paid my ***** ***************** at the ***** location. Verifies my identity with mail passport, social security card,ID and birth certificate. The bank closed my card. Please see camera that I paid cash.Also my available credit was higher. Please unblock my card. Please put money on my bill.

  

  Business Response

  Date: 01/11/2023

  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 January 11, ********************************************* the complaint.  In the interest of protecting our customers confidentiality, we are not posting the contents of the response 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:01/03/2023

  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 have a Home Equity Line of Credit with ***. I paid it off on 11/09/2022. I was given a payoff quote and I paid it accordingly. They told me that I over paid and mailed me a check back for $15.90. Then my online banking showed that I owe $15.90 so I called again to find out what is going on and they told me that I owe $15.90. So I took that check back on 12/20/22 and paid that to the payment I owed. Now today I got the letter saying that check was returned due to account being closed. I do not understand that check was issued to me by *** and now they say it is no good and charged me $10 fee. I have spend hours of my time and energy to resolve this issue and at my **** end and looking to file an official complaint about no one knows what they are doing and giving me a run around . I also do not want that reflecting on my credit report for no fault of mine when *** does not know what they are doing.

  

  Business Response

  Date: 01/19/2023

  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 to the customer on January 19, ******************************** 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: 01/20/2023

   
  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:12/30/2022

  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.

  In August 2018, I opened a money market account at *** Harris. Since the amount deposited was over $100,000, the account was classified as a "Platinum" Money Market account which was eligible for higher interest rates. In October 2022, when I was visiting the *** location in Darien, ********, I discovered that there was a money market account known as Premier that was paying a much higher interest rate. Since I qualified for the Premier which was basically the same requirements as the Platinum, I asked why since I qualified for the Premier account; I was not notified when the Platinum account was effectively replaced by Premier in February 2021. My complaint is I should receive retroactive interest for the amount I would have earned if I was in the Premier money market. Just because *** changed the money market name, I should be eligible for the higher interest rate since my Platinum balance was sufficient to meet to requirements for the Premier account interest rate. I filed a complaint with *** and spoke with their management team and escalated this complaint to ***************************, Market ********** ******** Market.. When they would not provide the interest rates for the Premier account, I used the only information I had available and estimated I was owed over $2,000. They stopped responding to me.

  

  Business Response

  Date: 01/04/2023

  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 to the customer on January 4, ******************************** 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: 01/09/2023

   
  Complaint: 18662205
  
  I am rejecting this response because the response sent by *** Harris was from the person I dealt with originally and he repeated his original stance.  He said it was the customer's responsibility to be become aware that *** added the new product (which essentially replaced the Platinum money market account I was in).  The new product (Premier Money Market) had the same requirements which my account balance met, but paid a higher interest rate. He said the new product was advertised on their website (but I was not notified).  When I went into the bank in October 2022, I talked to three personal bankers before anyone mentioned the Premier Money Market account replaced the Platinum Money Market account (apparently, their own experts were not aware of that this upgrade existed). My point is that other financial institutions will regularly change their product offerings BUT they notify the people who are affected so that they can switch over to the new option. No one notified me and as a result, I was earning significantly less interest than I should have earned.  I asked my *** contact (******************) repeatedly for what the rate differential was so I could calculate the impact.  He stopped responding, so I used the latest information and attached the schedule with the impact.  The impact was at a minimum - hundreds of dollars.  My calculated impact was over $2400.  No one has disputed that.  
  
  Sincerely,
  
  *******************************

  

  Business Response

  Date: 01/13/2023

  We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customers inquiry.  ******** sent its final response letter to the customer on January 3, 2023 addressing the concerns. As the rebuttal does not provide any new information that the Bank has not previously addressed, we have no further information to provide regarding this matter and consider the matter closed. Thank you for taking the time to bring this matter to our attention. 

• Initial Complaint

  Date:12/29/2022

  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.

  *** Harris has closed my personal checking account without any reason given and I tried calling customer service but they are stating to wait for a letter. How can a financial institution out of nowhere cancel a bank account where bills are being deducted. All my money is gone and they are claiming to issue a cashiers check but its been 3 days and I am without any money and neither can pay any bills.

  

  Business Response

  Date: 01/03/2023

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A call was completed to ****** and ************************* on 12/30/2022 addressing the customers concerns. In the interest of protecting our customers confidentiality, we are not posting a summary of the call 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:12/27/2022

  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.

  I'm an actor. I got booked for a job with a stipend. I cashed the check and it was fake. The fake casting director demanded most of the check back. BMO Harris frozen all accounts even the ones that weren't involved. They told me to file a police report which I did. They allowed me to take very small withdrawals for the last 2 weeks. Today which is around 3 weeks since they locked up my accounts. They still didn't complete their investigation. Today they refused to give me any money from my accounts and the bank teller just sat for about 45 minutes making phone calls doing nothing when I sat down with him. At that point I told him I want all my accounts liquidated and closed. Again he just kept making phone calls. I have no access to my 3 accounts anymore. I had to walk out the bank without even a ***** of my money. They said they didn't want to be a customer with them anymore after being a customer for 12 years. Seems fishy. I don't think this is legal. Will I get my money that I have in all my accounts?

  

  Business Response

  Date: 01/06/2023

  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 January 6, ********************************************* the complaint.  In the interest of protecting our customers confidentiality, we are not posting the contents of the response 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:12/27/2022

  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.

  To whom it may concern,On or about September 26, 2022 I called and spoke with a customer care representative of *** ********************** bank regarding opening a new checking account. The representative offered me a $500 bonus to open a checking account if certain conditions were met. I explicitly asked the representative to check my banking history with *** and confirm if I was eligible for the bonus because I thought I had closed an account with them within twelve months. The representative confirmed that I was eligible.I met all of the conditions to receive the bonus, but *** did not pay it. I contacted them and they informed me that I had properly applied for the bonus and met all of the conditions, but they would not pay it because I had closed an account with them within twelve months. The very thing that I was guaranteed by a representative of their company was not a problem before I ever opened the account. On 12/27/22, a customer care representative of *** told me over the phone that they had provided misleading misinformation before I opened this account and there is nothing they can do to correct their error. This bank provided incorrect, misleading misinformation to deceive me into opening an account with them. I have sent them two messages and spoke with them over the phone regarding the problem, and they have utterly refused to offer anything at all to resolve the problem. I have closed my account and informed them that I am lodging this formal complaint with the BBB.

  

  Business Response

  Date: 01/05/2023

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. Correspondence was sent to ***** Harris on 1/5/2023 addressing the customers concerns. In the interest of protecting our 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:12/22/2022

  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 deposited a state issued check for $50 that went out to everyone. I find out the check is nsf which is weird but fine if it didnt go threw. I shouldnt be charged a fee because the state check came back for nsf.Called talked to *** left on hold for a long time with no update or anything after i requested to speak to a supervisor. still on hold while typing this,and rep hu.in addition i have a charge i disputed for services not provided also filed a bbb against the business for no resp to my return *** decided on Oct 27th to put back charge of $86.66 after i resubmitted dispute with rep over phone, have not received a response.

  

  Business Response

  Date: 12/27/2022

  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 December 27, ********************************************* the complaint.  In the interest of protecting our customers confidentiality, we are not posting the contents of the response 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: 12/30/2022

   
  Complaint: 18628053
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:12/21/2022

  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.

  Some one charge ******** to my *** Harris bank Cash back card Claim I'd: C-*********** Card Number ending: **** on the 06/30/2022 Merchant Name ************** LOCATION **** ********,STE 100,******,** *****. BUT I FILEING AGAINST *** HARRIS BANK FIRST BEFORE I FILE AGAINST THE MECHANT E-MAIL ************************** home phone: ************ Cell phone: ************

  

  Business Response

  Date: 01/05/2023

  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 January 5, ********************************************* the complaint.  In the interest of protecting our customers confidentiality, we are not posting the contents of the response 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: 01/06/2023

   
  Complaint: 18624441
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***************************

  

  Business Response

  Date: 01/12/2023

   A letter was sent to *************************** on January 5, ********************************************* the complaint. We ask that ****************** provide details as to why he has rejected the response.