Complaints
This profile includes complaints for BMO Bank N.A.'s headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 1,413 total complaints in the last 3 years.
- 468 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:09/23/2022
Type: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.
Fraudulent banking practices re: our *** Harris auto loan. My husband made monthly payments for our auto loan from his checking account with *********************************, in the amount of $619.56. A monthly payment was deducted from his Capital account June 22, 2022, to cover the July '22 payment. Approximately two weeks later, we received a Delinquent Payment letter, stating that the July payment was not received, even though it was deducted from his checking account. *** lost the payment. We received two more delinquency letters in August and September. We decided to transfer our auto loan to ********************* July 12, 2022, both my husband and our credit manager at Capital called *** for a loan payoff were given an incorrect amount. Capital wrote out a check for the amount given and included extra money for an additional payment, along with paperwork for *** to sign and return, indicating that their loan would be fully satisfied. *** returned the agreement and cashed the check ($33,553.70, #*****, dated 7-12-22). After receiving another delinquency letter and six days and numerous phone calls later, I spoke with *** who gave me a different payoff figure ($34,161.79) and they would not clear our car loan until an additional $619.40 was paid, even though they had authorized the loan completion when they cashed the check from Capital in July. This is BOGUS! I spoke with seven different *** representatives, and neither one coordinated the same information that I was given! ***'s actions are irresponsible, inexcusable, and, in my opinion, fraudulent as I had to make another payment to cover the payment that they originally lost in July. When I asked each representative if they had our file in front of them when I called, one would think that the same information should have been reviewed. All of my calls were recorded, and I made sure that my opinions were professionally and clearly expressed, and I was put on hold "to get the supervisor."
Business Response
Date: 09/30/2022
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 September 30, ******************************** 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: 10/19/2022
Complaint: 18054291
I am rejecting this response because:See attached document
Sincerely,
*****************************Business Response
Date: 11/02/2022
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 2, ******************************** 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:09/22/2022
Type: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 *** Harris credit card account has been gracefully closed in end of May. It was a zero balance at the time of closure. Yet after that they have put additional charges and added late feed and interest charges. I have been getting calls ( at least **** of them ) in the last month or so . In teh last call a supervisor returned my call and told me that the ticket which they had opened to reverse the charges was ****** resolution and she will call me back again when the ticket was closed and resolved. I asked for teh ticket number and if they could mail or email me the same. They declined and told there is not way of doing that. So basically there is no transparency and they kept on calling as they do not go through the notes on the account. Now I saw last week that they have reported the missing payment to Transunion and my credit score got impacted. Please help me out of this frustrating experience with *** Harris bank and their dishonest collection dishonest employees. Any ways I did not have a good vibe on this bank and that is why I closed my account with zero balance. There was no purchase made after that and yet they put some charges. Please help me out of this harassments by the bank by putting in fictitious charges and repeated follow *** and pulling my credit score down. Thanks for all your help !!Business Response
Date: 10/06/2022
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 6, ******************************** 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: 10/07/2022
Complaint: 18116151
I am rejecting this response because:The bank employees are highly uncooperative and made me spends at least 10 hours overs various calls their executive Catie ( *********************************** ) was supposed to send me an email with resolution detail which I never received. *****, the supervisor called me multiple times but moistly without a proper resolution and no ETA.
I was forced to make a payment of $18 based on some rewards redemption ; but that should not have been billed. They also put derogatory remarks and my credit score plunged from 800+ to less that 700.
Because of all the bad experience and the time I had to spend, even after closing the account, I would like *** Harris to compensate me for all these damages. Thanks ..
Sincerely,
*************************Business Response
Date: 10/18/2022
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 18, ******************************** 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
Complaint: 18116151
I am rejecting this response because:
Sincerely,
*************************Initial Complaint
Date:09/22/2022
Type: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.
Made a return for a pair of shoes on 9/9/22 at champ sports never received my refund credit for ****** from the *** called them 9/22/22 and was told that I received my credit and that theres nothing they can do and when I asked for a explanation all I got was the math equals up theres nothing we can do. I never received my refund credits from them and now Im out ****** but when you look at the statement is says 9/9/22 +****** but when you look at the up a little bit it says -******Business Response
Date: 09/23/2022
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 September 23, ******************************** 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:09/21/2022
Type: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 noticed that there is inaccurate account that I needed to report. Evaluate and investigate those account that is not 100% accurate. Here are the lists that indicates the company name, balance, and date last reported:Account Name BMOHARRISBK Balance$10,219.00 Account Number **********Business Response
Date: 09/23/2022
The Bank has previously responded to this complaint on multiple occasions and sent the customer our final reply on *******. As this new complaint does not include any information that has not been previously addressed we have no additional information to provide regarding this duplicate complaint.Initial Complaint
Date:09/21/2022
Type: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.
We sent a check to a contractor on 2/5/22 and somehow it was deposited into a *** Harris NA bank account and they refuse to assist us. We have called no less than 10 times to get this resolved without success. At least 4 of the times, they" somehow disconnected the call." Horrible customer service. This is FRAUD and they refuse to assist us. Check #**** for $734.00 was deposited (cleared 2/25/22) into a *** Harris NA business account and they will not even look at this matter.I am shocked that they can let someone deposit money into their *** Harris NA and not get involved to assist in the return of this FRAUDULENT activity.Thank you for your help.Business Response
Date: 09/26/2022
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 9/26/2022 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: 09/28/2022
Complaint: 18058308
I am rejecting this response because: I have not received a response yet. Did they mail it? Email it? There needs to be more information provide and acceptable before I will approve a response.Sincerely,
*****************************************
Business Response
Date: 10/04/2022
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 9/26/2022 and again on 10/3/2022 addressing the customers concerns. These letters were sent to the address in the complaint. 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: 10/04/2022
Complaint: 18058308
I am rejecting this response because: Why am I responding to my complaint? This should be *** Harris NA responding to my update. The check clearly shows this $734 being deposited into a *** Harris NA account. They need to refund this money immediately. This was a fraudulent deposit (theft of money) and MUST be returned immediately.
Sincerely,
***************************Initial Complaint
Date:09/20/2022
Type: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.
After applying for an auto loan with *** Harris a fraudulent checking account was opened in my name a week later under an associated address not on any report with a phishing phone number. I was informed that I am unable to talk to the fraud department since I did not open the account myself and could not offer a resolution to this fraudulent account. I request *** Harris to inform me of the method this account was opened and what validation was performed in its creation while confirming closure and resolution of the fraudulent account.Business Response
Date: 09/28/2022
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 September 28, ******************************** 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:09/19/2022
Type: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 contacted my bank *** Harris regarding multiple charges on my account that were from from Door Dash. I explained to *** Harris that I attempted to contact the merchant Door **** to advise them of the fraud charges but they refused to help me and asked me to show them proof that the charges were in fact fraud, which I explained to them I have no way of proving other than explaining I did not make nor authorize the transactions. The merchant continued to refuse to assist me with the fraud charges and getting my money back. While on the phone with *** Harris I explained the above and advised them of the fraud transactions and that I did not make, I did not authorize those transactions nor sign for any of these charges. I received a letter via email that my claims department advising my claim was denied due to proof the merchant sent in. I contacted *** Harris to inquire what info the merchant could have provided that indicated the charges were valid. The representatives explained the merchant sent them pictures of that the deliveries were made and placed in front of a door. I asked what the door looked like and what the picture looked like and what was explained was not what is in front of my home nor is what is described to be my home and I explained this is not my house. *** Harris refuses to communicate with me to verify the pictures are even my house, send me evidence of the pictures and wants to hold me responsible for fraud charges I DID NOT Make. I am filing this complaint because they are failing to give me money back of $59.80 and prove that these charges are in fact valid, that I authorized them and delivered to my address. I am requesting assistance in obtaining my money back from *** Harris Bank since there is nothing signed that I authorized the transactions or any proof that I actually made and authorized the transactions.Business Response
Date: 09/27/2022
We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A letter was sent to ***************** on 9/27/2022 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:09/17/2022
Type: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 son has a personal and business account with Harris Bank ************ ********. His accounts were emptied and moved to some other account due to a branch error. The branch manager told him due to the banking error he could not use his account until the beginning of next week. My son asked for some funds to get him through the weekend, and the bank manager refused. This is very poor customer service as my son has a personal and business account with *** Harris, with evidence of funds.Business Response
Date: 09/21/2022
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 9/21/2022 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: 09/23/2022
Complaint: 18041086
I am rejecting this response because:
Sincerely,
*******************Initial Complaint
Date:09/15/2022
Type: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 start a complaint 17656072,still no resolve after they tell me going to credit the account after 5 days o more ,after i wait 30 days to start the dispute which i did and i keep calling to get a status and no even a step is move.I say everything look good to BBB,beliving in their word but here we are after 45 days and nothing happen.Business Response
Date: 09/22/2022
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 September 22, ******************************** 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: 09/23/2022
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:09/15/2022
Type: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 current situation with *** & ensuing conversations w/ employees trying to resolve has been a horrific experience! It began 15 days ago when I deposited a $5500 check on my way home from work at *** ATM. The check was from my parents, who because were on their way to ****** & had a new water heater being installed along with some electrical work, had written the check for me to take care of paying the contractors on completion of projects. Next day (8/30/22) I wake up to find my online access to accounts has been cut, and after a lengthy phone call (over an hr on hold), am told by a condescending jerk named **** in their *********** that my account is frozen (every dime, not just the check) because of suspicion that I stole the check, or had fraudulently written it without the signers auth etc. and that my account would be frozen for ***** days until the investigation was completed. This all coming @ last of the month, with rent and other very important bills due. I was told I was out of luck, and told verbatim regarding all the consequences (like possible eviction from my apartment etc) your personal problems arent our concern!! I even went into a branch, had the manager try to unlock my account, once again to get stonewalled by this jerk in the fraud department, after my parents, the writers of the check both called in to attest to me not stealing or frauding the check!!! Its now day 16! my account is still frozen and ** continuing to suffer monstrous consequences from being denied access to my own money!!! I have an **** store connected to the account which I no longer can operate because I consign and cant pay back clients, my credit has crashed, cant put gas in my car to get around etc, havent had a meal in over 3 days now, all because I have no access to MY MONEY! My parents are still out of country, and have had all their contractors canceled, (they are likely to sue *** when back). This is criminal, inhuman theft of my hard earned money!!!!!!!Business Response
Date: 09/15/2022
We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A call was placed to ******************************* on 9/15/2022 addressing the customers concerns.Additionally, an email was sent as well to ******************************* on 9/15/2022. In the interest of protecting our customers confidentiality, we are not posting a summary of the correspondence/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.
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