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:11/08/2022

  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.

  Hertz rental car was given $3500 and *** charged it to my account. I did not have $3500 ; yet *** gave them money. I never gave ***** permission to take any money and I changed my card. *** still gave them money and decided to place it in my account. Horrible company.

  

  Business Response

  Date: 11/15/2022

  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 11/15/2022 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:11/08/2022

  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.

  *** Harris Bank has decided to close my bank account, quote On October 11, 2022 I received a letter in the mail, I quote *** Bank Take pride in servicing our customer, However, sometime we find continuing a relationship is not in the best interested of either party. After review of recent circumstances *** Bank has made the decision to close your deposit account. if no action is taken on you part, your deposit account with *** Harris will be closed on 11/13/2022 and a cashier check (s) representing the balance in your account (s) on that date will be mailed to you at the above address. I have called multiple time over the month of October and spoke 2-3 reps whom where not able to provide me clear and precise answer on why account was being demarcated aka closed. For the purpose of privacy will will not expose there full name or recording of our conversation for now. ******* from the and ***** from the assisted me in getting an appeal done about my account closure but was unsuccessfully. I attempted 2 time for an appeal review to be done to have my account reopen or ****** for closure. All I was told is that my account was **** as Regulatory E and I have 22 dispute over on my account *** deposit account. My a customer view the straw that broke the camel's back In the month of sept may have been I filed a *** dispute which as a customer you should have every right to especially if the *** machine didn't reflect the correct amount you deposited, Because of this 21 going to 22 claims the bank decided to close my account. There should of been some formal warning like most other respectable ********** do. First and foremost as a uniform service member and front line nurse I am truly sad & disappointed in *** bank, in addition *** went as far as closing my elderly person Social security account down after pleading with them 2 appeal the keep the account open, all i wanted was to have my account remain open.

  

  Business Response

  Date: 11/18/2022

  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 placed to ********************* on 11/17/2022 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.

  Customer Answer

  Date: 11/22/2022

   
  Complaint: 18358292
  
  I am rejecting this response because:Yes thank you for taking the time out your day to give me a call about the above issue as explained as mentioned on the phone call I would like to know how long my regulatory E account demotion status will last please give me a timeframe as mention it was stated that I would get a follow up call or email on this so I can know how to proceed with my overall summary which I plan to share publicly

  
  
  Sincerely,
  
  N *******

   

   

  

  Business Response

  Date: 11/30/2022

  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: 12/02/2022

  I am waiting for you follow up ***** the banks end 

   

  I ask when will relationship and access to come back to *** Harris return how long will b

   

   

   
  Complaint: 18358292
  
  I am rejecting this response because:
  
  Sincerely,
  
  ****************

   

   

• Initial Complaint

  Date:11/01/2022

  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.

  Harris Bank has again charged me $71.49 in late fees. My mortgage payment was made on 10/14/2022. The statement I have states that no late fee will be charged if my payment is received by 10/16/2022 at 5pm CST. By my calculation 10/14 is before 10/16. I paid an overage that was supposed to be applied to my principle, as indicated on the payment form I provided. It was instead applied to this invalid late fee. I am seeking for these incompetent bankers to refund my $71.49 and either fix their statement or their business process.

  

  Business Response

  Date: 11/16/2022

  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 November 16, ********************************************* 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: 11/21/2022

   
  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:10/30/2022

  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.

  On 8/11/22 Received a latter saying our HELOC was no longer available to us for advances and the letter provided steps to take to reactivate line. On 8/16, 8/17, and 8/24 I emailed per the letter wanting an explanation. It wasnt until 8/26 I received a letter and explanation. The letter instructed me to fax a written letter to reactivate the line . I went into my local *** branch on 10/15 and faxed the written letter and received proof the fax went through. On 10/25 I called ************** per the letter to follow up on my request. ****** , whos company ID is LES, told me she couldnt give me any information and instructed me to go into my local *** to update my phone # since it didnt match what she had on her system. On 8/27 I went into my branch to update the info. ***************** tried to help me when he also had contacted ******. She instructed him to email the request and it may be approved or denied. I couldnt understand this since I was verified and was just trying to update my phone number to service my own loan when I call to receive information since they are denying to release information to an account holder over a phone number not matching. Since then, I sent another email to the address provided on the letter from 8/26 which is ************************************** and have yet to see a response.

  

  Business Response

  Date: 11/16/2022

  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 16, ********************************************* 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: 11/16/2022

   
  Complaint: 18335361
  
  I am rejecting this response because:*** has not responded to my email. When I call they tell me they have a month. The issue has not been resolved.  They supplied an email address that they dont respond to.
  Sincerely,
  
  *************************

  

  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 voicemail was left with the customer on November 18, 2022 confirming the Bank has received and is reviewing the customer request. Additionally, the customer was advised the Bank will respond in writing with its decision to the customer request. 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: 12/02/2022

   
  Complaint: 18335361
  
  I am rejecting this response because:Good evening,
  
  I am following up with additional information. *** has sent a letter which we received today that contradicts the reason for a deactivation in our home equity which we requested be reactivated. Their initial reason which I have in a letter states a decrease in credit score . We requested our line be reactivated. Per their direction we faxed a signed letter with approval to run credit to reinstate. Today the letter states that the credit score is not available. How does this make any sense? If theres not one available, then how did they come to their initial decision?
  
  Thank you,
  
  *************************
  ************
  
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:10/28/2022

  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 received a *** Harris gift card approximately 2 years ago as a Christmas gift from my employer. I activated the card but never used it. I recently came across it and attempted to look up the balance. After talking to 7 people in various departments at *** Harris and trying to enter the gift card number on line (which has an expiration date of October, ****), the last individual I spoke with indicated the gift card program was discontinued and the money on the card (I believe $250) has been kept by *** Harris. I see this as fraud as they should have honored any cards that *** be still in circulation through the expiration date.Sad I was not able to get any type of satisfaction from the bank.

  

  Business Response

  Date: 11/10/2022

  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 11/10/2022 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:10/24/2022

  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.

  This bank is reporting me for fraudulent charges when I am a victims of ID theft. They have done nothing to prevent a transaction in my name no proper ID was given until I turned in the information to prove who I am. Once I turned in the information they still would not give me the information. Now they are saying they will be reporting me to be the fraudulent person. I want the information that was used to open this account and for Aluma to be fired in the ********************* for trying to damage my credit and reputation for reporting me and not the act of the bank being able to open and deposit an account with out proper Identifying my information. I am a former correctional officer and not releasing the information on where the money came from puts myself and family at risk of harm. The amount I was told was $8,250 deposited into an account. I never cared about the money I wanted the information on where it originated from. This company has done nothing but made it misserable to know anything. Now the Manager in the fraud department is claiming I'm the person commuting fraud.

  

  Business Response

  Date: 11/04/2022

  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 11/4/2022 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:10/21/2022

  Type:Product 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 had an issue with an unauthorized transaction I was told I had to close and reopen my account to resolve part of the issue and since there was no branch in my state, I had to go to another to get that done by verifying my identity. With that issue solved, I have been trying to complete the dispute process for which they haven't been providing enough information. They said I need to sign some paperwork which I wasn't able to complete at the bank for some reason and I'm not getting it in the mail for some reason. So, I requested it via email which the customer care representative stated they were more than capable of doing and I still haven't received it within the 24 hours I was told, and that time has passed. Every time I call no one is able to confirm anything with me or provide me with any additional information. It's starting to get frustrating because no one provided me with a case number, and they are asking me for one.

  

  Business Response

  Date: 10/24/2022

  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 October 24, ******************************** 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: 10/25/2022

   
  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:10/20/2022

  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.

  Have evidence of refund from ********* Keep having to ask for the refund to be put in my account. I have provided evidence of refund, BMO not getting the picture and running me in circles.They will also not take the blame for misinformation given to me when I changed my bank account causing ***************** to charge me 2 $25 NSF fees due to BMO not letting payments go through even though I was told I would just have to pay negative balance right away. Also I am asking for the two **** fees charged by my rental trying to get this mess figured out. Have reached out numerous times for both issues and BMO Harris is stringing me along and its unprofessional.

  

  Business Response

  Date: 10/27/2022

  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 placed to ************************* on 10/27/2022 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:10/18/2022

  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.

  My husband ordered a *** credit card and I also ordered a *** credit card a few months later.I called customer service with a question regarding my credit card account and during the identification process the *** representative was extremely authoritative and unprofessional.My husband tried to help me on the phone and the *** rep became even more aggressive, she then blocked my credit card on the pretext that I didn't want to identify myself, which is false as I was trying very hard to do so but she was constantly interrupting me and patronizing me.Now, I can no longer use my credit card unless I show up at a branch and spend hours with notarized documents. I am not able to do this as our house was hit by Hurricane *** and we have to deal with a lot of damage and injuries.

  

  Business Response

  Date: 10/19/2022

  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 placed to *********************** on 10/19/2022 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:10/12/2022

  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.

  ******** Person a retail banker at BMO Harris froze my account because she felt it was fraud or something because a direct deposit from the *** in the amount of ******. She refused to verify me inside the bank, and also refused to create me a profile so that Ill be able to Withdraw money from my account instead of verifying me with my information that was given to her for verification she put a freeze on my account stating something was fraud. She froze my money and now its in the fraud department and I have to wait another 14 to 15 days to figure out what they want to do when I did all the verification today with the branch manager so I really dont understand why the fraud alert was not taking off my account. The banker also refused to verify me and refused to create me a profile because she told me that would take a while and its almost time to go. The manger on duty today refuse to give me anything in writing as well.

  

  Business Response

  Date: 10/14/2022

  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 placed to *********************** on 10/13/2022 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.

  Customer Answer

  Date: 10/14/2022

   
  Complaint: 18200420
  
  I am rejecting this response because: ******** called and said theyre closing my account out and sending the money back, but I want to withdraw all my money and then they can close my account. ********er labeled me as a fraud and I dont appreciate that. T ********er never tried to help me the banker also refused to verify me. I would also like to know what about me shes made the banker label me as a freight I didnt do anything I only went inside the bank simply for verification when I gave her my birth my ID and bank card to verify me she then put a freeze on my account why did she do that. The branch manager had me bring the lady in the bank to verify that she said it was OK for me to have this amount of deposit in my account. I went to another BMO bank Harris on **** s Wabash where the branch manager told me bringing her into the bank was too much I shouldnt have had to do that. The branch manager question the lady about what she do in about her taxes and all of this was just her way of paying me. Nobody in that branch from **************. will help me they label me as a Fraud the minute that looked at me. Now I dont even feel comfortable going to banks putting money in banks because that experience made me feel like as soon as the banker see me with a nice deposit in my account or a nice amount of money in my account theyre gonna think Im a fraud.
  
  Sincerely,
  
  ***********************

  

  Business Response

  Date: 10/20/2022

  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: 10/23/2022

   
  Complaint: 18200420
  
  I am rejecting this response because: I disagree with the call. If they want to close my account then thats fine, but I want my money. I did nothing wrong and was racial profiled. They had me bring a third party in to confirm everything and its still a problem. I cant help but wonder if I was a white woman I probably wouldnt even be going through this. Not to mention the bank was totally unprofessional she told me to create me a profile that would take to much time and it was almost time to go. She wouldnt verify but use my information to put a freeze on my account. I dont like the way it made me feel as a customer.
  
  Sincerely,
  
  ***********************