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:09/12/2022

  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 signed up for a *** harris mastercard with $200 cash back after spending $2000. I have completed the spend requirements as of a month ago.I still have not received the cash back though I have inquired.

  

  Business Response

  Date: 09/15/2022

  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 ******************************* on September 15, ********************************** 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: 09/15/2022

  pls issue the 200
  Complaint: 18015983
  
  I am rejecting this response becaus

   

  Pls issue the 200
  
  Sincerely,
  
  *******************************

  

  Business Response

  Date: 09/19/2022

  We are in receipt of the complaint rebuttal for the above referenced customer and welcome the opportunity to respond to the customers inquiry.  A letter was sent to ******************************* on September 15,2022 addressing their concerns. In the interest of protecting our customers confidentiality, we are not posting the contents of the letter in this forum. Thank you for taking the time to bring this matter to our attention. 

• Initial Complaint

  Date:09/09/2022

  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.

  *** IS COMMITTING FRAUD * I made a "additional Principal" and I put it in the right column, as shown by the photo. *** put it under partial payment, on purpose, they did the same last year at this time, so it's done to cheat the customer. I'm up for my ARM to be renewed, by moving payment money out of "additional principal" column, they can figure the new ARM at a high principal amount, FRAUD.It took 2 months last year to straighten it out, please alert the right party for the fraud they are committing to the customer. my loan number is #**********. I will ask the ** AG and ****************** to take action.*** is a ****** company, wish we could kick their liberal buffoon's butts back to ******, go commit fraud back in your home country.

  

  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. 

• Initial Complaint

  Date:08/29/2022

  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 had a auto loan with the company that was charged off due to no payments received the hit my credit and my cosignee credit. However I filed chapter 13 three years ago and the money is paid directly to BMO harris using a trustee. I have made numerous phone calls speaking to one lady I forgot her name. Then I spoke with a **** who couldn't resolve or help my but instead transfered me to another department after I explained to him that the last person to do that transfered me to a voice-mail. This is exactly what happened is I sat on hold and was met with voice-mail. I try calling the bankruptcy department there and they can't tell me why my loan was charged off only that I owe them 8k and to just continue making my payments but can't tell me why my loan was charged off I have emailed them proof of the credit report with the charge off and other remarks associated with the charge off as well as the trustees record of payment they have sent to bmo harris and they won't return or reply to my emails. I have given them plenty of time to respond even sending the email twice where I kinda ask for them to acknowledge receiving the email.

  

  Business Response

  Date: 09/09/2022

  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 *********************** on September 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. 

  Customer Answer

  Date: 09/19/2022

   
  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:08/25/2022

  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 (*****************************) and I had a car mortgage account (*****) with BMO Harris whose pending amount was paid off by the bank with whom we refinanced. I did not stop autopayment of usual mortgage $607.83 until I was sure that the loan was closed. So, there was an extra payment from my BofA account. I received a Cashier's Check from BMO Harris on 6/7/22 for $607.83 but when my husband deposited it, it was returned. The bank said BMO did payment cancellation. We tried to contact BMO customer care 10+ times and even after 1+ hours of wait each time, there has been no resolution so far. This is quite frustrating as we both are working and we cannot continually chase BMO bank for the repayment. The three sets of numbers at the bottom are "*********", "*********" and "*********", and on top "********" and "2-28/710".Can BMO Harris please explain why the check has stop payment?How soon can BMO pay us back with a valid check?We hope to see it resolved ASAP.Thanks,********

  

  Business Response

  Date: 09/02/2022

  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 September 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:08/25/2022

  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 viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law. Here are the details of the said inaccurate accounts, company name, balance & date last reported: Account Name BMOHARRISBK Balance $10,219.00 Account Number **********

  

  Business Response

  Date: 08/29/2022

  BMO Harris Bank has previously responded to this complaint and sent the customer our final reply on August 16, 2022. 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:08/25/2022

  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 credit card with BMO harris. They sent me an ad telling me they would transfer from another credit card at 0% interest for 18 months. I took them up on the offer. They ended up doing the **** dollar transfer twice sending my account to 196% of my available balance. They reported it to my credit score and it dropped 17 points at a time where I bought a house a month ago, I just had to pay a **** dollar deductible to fix my roof, and then a tree fell on my car (****& deductible). I need to get a personal loan for the **** dollar deductible, but they offer me nothing for the time and money it is going to cost me to acquire that loan at a higher interest rate because of something completely out of my worse credit score. Basically, I was told that they would fix my credit score and report it to the credit agencies in 4 weeks. Tell me why I am supposed to go without my car with an open auto insurance claim for 4 more weeks because you did a transfer twice? Then you offer me absolutely no resolution for that and the 2 hours it took me on the phone to get this corrected? THANKS BMO HARRIS

  

  Business Response

  Date: 09/02/2022

  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 September 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:08/23/2022

  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.

  They wont let me use their credit card without visiting a bank branch or getting a notary form even though I have complied and submitted my ID. I am a real person and I am extremely frustrated with them. They think Im committing fraud. This is the worst credit card company Ive ever dealt with. I need to spend a certain $$$ threshold on the card to get my rewards but they arent letting me charge the card so I may not make it to my rewards amount.

  

  Business Response

  Date: 08/25/2022

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. Customer has called our contact center for resolution and an email was sent on 8/25/22 to ***************************, addressing their concerns. In the interest of protecting our customers confidentiality, we are not posting the contents of the email 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: 08/30/2022

   
  Complaint: 17759991
  
  I am rejecting this response because BMO-Harris forced me to get a notary so that they would believe its actually me and not just some scammer. After I finally was willing to obtain a notary, they would t even reimburse me for the fee. This company has some very annoying policies that they should consider changing. 
  
  Sincerely,
  
  ***************************

  

  Business Response

  Date: 09/01/2022

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. An email was sent on 8/30/22 to ***************************, addressing their concerns. In the interest of protecting our customers confidentiality, we are not posting the contents of the email 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:08/16/2022

  Type:Billing 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 scheduled an electronic payment to pay off my HELOC. On June 3rd they withdrew it from my savings account, put it back, withdrew it again and put it back again. I went into the branch office to see why they charged me a late fee since this was their mistake. ( I paid the loan off at the teller that day 6/13/2022). The banker called them and they had no idea. The banker sent a follow up email which was requested and there was no reply. The first time I called they said a supervisor had to approve this but no supervisor was available. Again I was asked to send an email which I did and did not hear back. I called again today 8/13/2022 and spoke to a supervisor. I was told that they have (finally) begun an investigation. Again, I was informed that I still owed the late fee in addition to another late fee. I am beyond frustrated.

  

  Business Response

  Date: 08/30/2022

  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 ******************************* on August 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: 09/09/2022

   
  

  This matter is not resolved.  They still have my $6,500.00 in a non-interest bearing account.   Please help me.

  
  

  I am attaching all the documents requested.

  
  

  
  

  --
  

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

• Initial Complaint

  Date:08/12/2022

  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.

  Banking with BMO, got a call from ***** in the fraud department giving me a courtesy call, saying that a deposit was fraudulent, I just said return it as sometimes there is miscommunication, 5 days later money was returned but ***** has not called me back after leaving 3 voicemails. I dont appreciate my money being held up for nothing all because of a recall on funds. If I disregarded a customer I would be fired from my job. This has to be fixed asap

  

  Business Response

  Date: 08/22/2022

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A phone call was made to ********************* on 8/17/2022 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:08/11/2022

  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 previously had a total loss on my car back in December of 2020. GAP insurance paid off almost all of the amount that was remaining however I was left with $2,864. BMO Harris never sent me any information stating how much I owed or a breakdown of why I owed it. Therefore I was not willing to blankly hand over this amount of money without getting any sort of report. Additionally I never received a paid off amount once GAP insurance paid the large balance off, therefore BMO Harris is very poor at sending any sort of documentation. Additionally they refused to show proof of debt at the time of me asking, while treating me as if I were a criminal despite me continuing to ask on a regular basis, which delayed the payment being settled upon sooner. I only received any documentation after filing a complaint with BBB. Recently I went to get a loan and was told I have a charge off on my credit, which is coming from BMO Harris, however, the amount was settled upon and paid in full on 5/3/22. I am told that this is being recorded accurately which it is not as a charge off is when someone does not pay off an amount and is looked at as a loss. In this case that is inaccurate as the amount of $2,864 was settled on for $1,719. Again this is inaccurate as being reported as a charge off opposed to it being labeled and reported as pay as settled. I am hoping for this to be resolved so this does not occur and hurt future customers and have this changed on my accounts/credit score. I am looking for this to be removed off of all credit reports since it was paid as a settlement. It is important that BMO Harris is held responsible for falsifying reported information on all 3 credit reports. At this time that I am reporting this I have spoken with a women by the name of ******, that treated me with disrespect. She was reached at ***********************. Overall I wish for this to be resolved as soon as possible and it be adjusted on my credit accounts.

  

  Business Response

  Date: 08/22/2022

  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 August 22, 2022 addressing the concerns. Please allow for mailing time. In the interest of protecting our customers confidentiality, we are not posting the contents of the letter in this forum.  Please let us know if we can assist further regarding this matter.  Thank you for taking the time to bring this matter to our attention.