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.

  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:11/26/2022

  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.

  Early this year, I opened a credit card with *** Harris Bank. I have had a checking and savings account with them for a number of years. On May 2, I went to their *********** branch and asked the teller how much I needed to pay to bring my credit card balance down to zero. I was told that the balance was $621.07 and that depositing this amount would bring the balance down to zero. I made the payment in that amount in person that day. (My payment receipt confirmed this.) Without having made any further purchases, I received a letter on July 13 stating that I had a balance of $230, including a late fee and threats that my card would be closed. When I tried to call the credit card customer service number on the letter, I either got a message THIS CALL IS NOT AUTHORIZED or USER BUSY. When I went to bank branch in person to try to resolve the issue, they said the credit card phone system that they tried to reach was down and that I couldnt resolve the issue in person. On September 9, I received a letter stating that my card had been canceled.On November 9, I received a statement that I owe $452.42 on the account. How did my balance go from zero to $452.42 without having made any purchases on the card?I want the balance brought down to zero and any potential damage to my credit rating reversed. Thank you for your help in resolving this issue.

  

  Business Response

  Date: 12/01/2022

  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 December 1, ******************************** 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:11/25/2022

  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 went inside a rest stop on 11/26/2022 to buy a slice of pizza. However my debit card declined due to incorrect pin which just isnt true. I logged into my *** Harris app and verified I enter in the correct pin. I called *** ********************** and was transferred 4 times before I could get assistance.!! Mind you I was in line trying to pay for food. This isnt the first time this has happened!!! And its definitely an inconvenience! I ended up having to use a credit card! I cant have this. I need access to my funds at all times! Especially I am traveling! Thats not ok at all ! Within 15 min and four different people I got nowhere !

  

  Business Response

  Date: 11/29/2022

  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 November 29, ******************************** 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:11/24/2022

  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.

  *** Harris allowed someone to open an account and transact on the account even after I noticed them that it wasnt me that opened the account. When I called I was told no accounts were opened after receiving an email alert about someone trying to open an account using my info. That was a lie, they opened 2 accounts. One checking and one savings, the day I called they blocked the savings but not the checking, what idiots. Then when I called them back they informed that theyd close the account, escalate my complaint and have a manager call me. They never did.

  

  Business Response

  Date: 12/01/2022

  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 sent to ***************** on 12/1/2022 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:11/22/2022

  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.

  ******** Sent us a letter advising our account would be closed on November 14th 2022. So we opened an account with another bank and took all funds out after everything cleared. Now week later there I'd a negative balance and the account is still open. I even called about why it hasn't been closed and paid the negative balance and was told the account was closed. Now the account still shows open with another negative balance, there should be no reason any charges are going through when the account should be closed.

  

  Business Response

  Date: 12/02/2022

  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 sent to ***************************** on 12/2/2022 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:11/20/2022

  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.

  In June 2022, I had a company named ********************************* give me an alleged free estimate for my roof and they did a credit check. The amount that quote me for this roofing project was $1800.00 though their banking institution(which I found out later) was *** Harris Bank, N.A. When I did my own inquiry on *** Bank, I received a lot of red flags(poorest business ethics, mismanage your account, disregard your needs and lie to you), I decided that I didn't want to do business with creditor or this banking institution. I advised both the creditor and banking institution in writing that I was not interested in during business with them because of some of the above negative comments. An email was sent to me to activate a loan*********** - application ID), which I did not? On 21 ****** received another email from this bank saying congratulations on activating your loan, the finance company was called Greensky in ********************************************, loaning ending in **** with telephone number: ************. Fast forward, notice negative delinquent comments from my credit bureaus and when I inquiry, it was this company. I advised the credit bureaus that I believe that this account was fraudulent because I did not authorize it, I did not sign any documents, give anybody consent verbally or in writing to approve of this alleged loan, creditor has not perform any work on my property, and I have not used any funding from this alleged loan! According to my credit bureaus(Equifax, Experian, and Transunion), this negative reporting started this month, November, stating that I was late paying this account. I file disputes with the credit bureaus because of this fraudulent account. It is also noted that the company, ******** doesn't fund its loans, it is unsecured loan and it is a BNPL( Buy Now, Pay Later) type of installment. Finally, it is noted that this alleged loan belongs to *****************, not ******************/***********************, my legal name, I signed my documents.

  

  Business Response

  Date: 12/01/2022

  We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customers inquiry. The merchant has confirmed the product has been canceled for the customer. In the interest of protecting our customers confidentiality, we are not posting additional information 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. 

  

  Business Response

  Date: 12/29/2022

  We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customers inquiry. The merchant has confirmed the action requested by the customer has been completed.  

  Customer Answer

  Date: 01/07/2023

   
  Complaint: 18442723
  
  I am rejecting this response because: I didn't see any response information in this document.  There is nothing noted by business concerning removing file from BBB and their company, no corrections note, and any responses to my written request, therefore, your response is unacceptable. 
  
  Sincerely,
  
  ****** House

• Initial Complaint

  Date:11/19/2022

  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.

  This is creating medical issues just trying to confirm that the mortgage was paid off and I am entitle to an escrow refund -hope this was mailed within 20days. I have sat on hold for hours trying to get some answers to my concerns, but the call goes overseas and they hung up ( I started making calls over 21days after 10/6/22, which is when they should have received a payoff on my previous address:404 Summerlyn **** ******** From the moment I was approved I have had many concerns about how they do business- In my lifetime I have had many mortgages, the ******** Company do appreciate and handle business according to the guidelines. I wrote letters directly to the company with only one response, about one week ago-this could be a scammer, because he only states his name as ******, and no more communication. During 2012( when the market crashed) I had to pay for appraisal that they used to deny me a modification-because the home was Apprised for about 40% of my original purchase price..They eventually help me- only to find that they added Interest to be paid off at the end of the loan.I do need some help because I am leaving the country on Wednesday, and I might be back to ******* can exceed six weeks.The payoff was sent electronic funds since 10/6/2022. I can assume it went to the right company because I have not seen any statement coming to me. The questions are 1) do I have any escrow refund ?2) was this loan Satisfied? 3) I must apologize if I am been unreasonable, but If someone did call me back I would know what to expect.I do need this money , or I could have bought and IBOND which would have earned 9% in the month of October. As widow since1997 I try to do the right thing .I do appreciate your assistance, I guess I will know how this is resolved after Christmas. If they have even $1.00 for me, I do hope they will consider placing the refund in my account Thanks for your time.Stay safe Happy Holidays !Sincerely ,************************* ************

  

  Business Response

  Date: 12/05/2022

  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 December 5, ******************************** 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: 12/06/2022

  Good Morning,

  Good Morning,

   I do hope your day is going well. I would like to say i do appreciate your help

  because I was able to receive a check in record time- as a widow,and retired 

  I had a credit card bill that i used it to pay immediately.

  
  My reasons are many,but the most important one is the late

  return of the escrow did not include the additional fees that was tacked

  on by *************************-he was not the original person to handle my modification- his

  explanation was that it was revenues and it was end of the year. I would appreciate 

  a copy of the original modification- prior to the final documents that shows that

  i the was informed and was aware of such fees( Appraisal & Interest fees):

  Thank you,

  sincerely,

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

   

   
  Complaint: 18440972
  
  I am rejecting this response because:
  
  Sincerely,
  
  *************************

  

  Business Response

  Date: 12/09/2022

  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 December 9, ******************************** 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:11/17/2022

  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 keep receiving marketing material via ***** I do NOT want this material, nor did I request it. Remove **ALL** my information, and stop sending me material. Do NOT contact me in any way other than directly through the BBB.My information MUST be removed within 48 hours of filing this complaint. If mailings or contact continues, then you agree to $1000 (per offense) paid via **** money order within 48 hours, to cover the cost of my time, effort and cost disposing of materials and/or communication with you.

  

  Business Response

  Date: 11/21/2022

  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 sent to ************************* on 11/21/2022 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.

  Customer Answer

  Date: 11/23/2022

   
  Complaint: 18418878
  
  I am rejecting this response because:

  I **CLEARLY** stated I did **NOT** want contact from this business, and to **ONLY** contact me through the BBB, hence they knowingly violated what I requested, and thus agreed to make payment to me, for my "time and effort", so now they are required to pay me as per agreed upon in the complaint.

   

  WHAT DOES IT TAKE TO GET IT THROUGH TO THEM, TO **ONLY** CONTACT ME THROUGH THE BBB, AND **NOT** SEND ME A "LETTER".

   

  
  
  Sincerely,
  
  *************************

  

  Business Response

  Date: 12/01/2022

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

  Customer Answer

  Date: 12/04/2022

   
  Complaint: 18418878
  
  I am rejecting this response because:

   

  I am **STILL** receiving marketing from this company, furthermore, they did not provide payment as agreed upon for my time and effort in disposing of this material. They also did exactly what I complained about, and responded by postal mail. This company is guilty of harassment, as well as not making payment for a debt they agreed to pay me.

  
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:11/16/2022

  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 received a letter from *** Harris Bank that two bank accounts were open under my name. ********** and **********. I did did not open these accounts or have ever step foot into that bank. I called to report fraud 4 times and close these accounts. Each time I either got hung up on during a transfer, or they just give me a runaround and transfer me to different departments with no resolution.

  

  Business Response

  Date: 12/02/2022

  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 12/2/2022 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.
  

  Customer Answer

  Date: 12/05/2022

   
  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:11/09/2022

  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 have a bill due today, 11-08-22, in the amount of $648, which I intended to pay in full, but when I called *** Harris bank at their toll free number I was directed immediately to their fraud department, where I was told that until I could verify my identity in person at one of their bank branches I would be not able to cancel my account, make a payment on my account, or interact in any way with my account. I live in ****************, and according to their website their nearest bank branch to me is in **********, making their demand impossible to satisfy. I'm very concerned by the behavior of this bank, who back a few weeks ago called to alert me of fraud, verified my information, and then hung up on me. I believed that because they'd gotten all personal information necessary to verify me that they could do the rest on their own, as other banks have done for me recently. They never called me back to complete the process, never issued me a new card and never updated me on the status of their fraud investigation. I'm concerned that their business model is to follow this exact playbook, which ends on their customer being unable to repay their debt and so accruing late payment fees and penalties that they can also do nothing about, effectively holding their financial reality hostage until they play by the bank's ridiculous rules. After searching *** Harris Bank online I've also discovered that, as of today, they've officially been convicted for their involvement of a "********************" scheme, and forced to pay over 550 million dollars to the plaintiffs, which could rise to upwards of 1 billion dollars after other factors are considered. https://www.americanbanker.com/news/jury-orders-***-harris-to-pay-more-than-550-million-in-ponzi-scheme-case ************ clearly has many operational problems and I don't want to be held accountable for them. All I want is to pay my outstanding balance, cancel my account and forget the whole thing. I hope the BBB can help me do this.

  

  Business Response

  Date: 11/17/2022

  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 the customer November 17, ********************************************* 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:11/09/2022

  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.

  i have tried to apply for hardship program for cc but they said it was too early. Now they say its too late. Customer reps ***** give me any options and were quick to hangup with no solutions. Meanwhile this is 30 mins after being on hold because they dont know how to transfer calls. i asked them to remove my dads number and stop calling him if they are not going to help.based on the service i recieved i doubt they are going to listen to me. I do not authorize them to call my family members , they can call me.

  

  Business Response

  Date: 11/17/2022

  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 the customer on November 17, ********************************************* 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.