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.

close

Find a Location

BMO Bank N.A. has 969 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  BMO Bank N.A.

  320 S Canal St Chicago, IL 60606

  
• 

  BMO Bank N.A.

  111 W Monroe St Chicago, IL 60603

  
• 

  BMO Bank N.A.

  10 Huntington Lane Wheeling, IL 60090

  
• 

  BMO Bank N.A.

  10 S. Villa Avenue Villa Park, IL 60181

  
• 

  BMO Bank N.A.

  1000 N. Lake Shore Drive Chicago, IL 60611

  

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: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. 

• 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 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 $11,024.00 Account Number **********

  

  Business Response

  Date: 08/17/2022

  We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customers inquiry.  Another letter was sent to the customer on August 17, ******************************** 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. Please note: ******** has responded to previous complaints submitted by this customer related to the same concerns.

• Initial Complaint

  Date:08/10/2022

  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.

  Was given wrong information that caused fees and an overdraft on my account

  

  Business Response

  Date: 08/11/2022

  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 8/11/2022 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:08/09/2022

  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.

  Please stop returning my payments from account ending in **** or take it off credit only status. I need to pay a ****.

  

  Business Response

  Date: 08/10/2022

  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 8/10/2022 addressing the customers concerns. In the interest of protecting our customers confidentiality, we are not posting a summary 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: 08/12/2022

   
  Complaint: 17691507
  
  I am rejecting this response because:
  
  Sincerely,
  Stop referring me to *********************** because I just fight and argue with too.
  *****************************

• Initial Complaint

  Date:08/04/2022

  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.

  Since June 2022 I have been trying to contact a manager and have asked repeatedly to speak to one while I have been on the phone. They say there supervisor is busy and will call back and take information. With no phone call returned. Since the beginning of July I have called back to have someone call me because I had missed voicemails and they use that again at me because I missed those calls. I have repeatedly told them I need to speak with someone because I want to sell the vehicle I have the loan with them and I get no phone calls or no information on what the process is. **************** ******************* wall you in order to speak to a supervisor or manager which is unacceptable as a customer. I missed one payment to see if someone would call and I recieved robot calls everyday!

  

  Business Response

  Date: 08/11/2022

  We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customers inquiry.  A representative spoke to the customer on August 10, ******************************** the interest of protecting our customers confidentiality, we are not posting the contents of the conversation 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:08/02/2022

  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.

  On April 15th, 2022, we purchased a 2015 Yukon Denali. At ******************************************** in ********* ** we attempted to pay $38,500 cash for but there was damage to the front passenger headlight and quarter panel. We were told in order for them to fix the damage we had to finance the vehicle because they get a kick back from the bank. On May 4th, after not receiving any paperwork from BMO Harris ( our financing company), I created an online profile, located our loan, got a 10 day payoff from the site, and paid the payoff balance through USAA (our bank). The payment was $38,591.10 paid on May 4th, it was withdrawn from my account on May 11th. On May 16th, we received an interest addition to our BMO Harris loan of $252.80, this was after the loan was paid in full. We received a delinquency notice on July 21st stating we own $268.43. After calling BMO Harris, they state we owe them for interest charged after the loan was paid in full. They are unwilling to remove the interest charged even though the balance of the loan was $0. They state that the loan pay off we were given was incorrect and there is nothing they can do, if we don't pay they will report us to collections on Aug 4th. I feel we were wrongly charged interest, they said its a glitch in their loan pay off calculation but its our error to pay. The dealership also is in the wrong for coercing us to finance the vehicle in order to get the cracked headlight repaired so that they could get kick backs from the bank to cover the cost of the repair. Thank you.

  

  Business Response

  Date: 08/12/2022

  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 12, ********************************** 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:08/01/2022

  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 browse goggle to purchase a toast oven ,i purchase saturday 7-30-2022 for ***** at the end of the purchase thru a Mastercard credit card they going to send the invoice to my email,dont receive it in 1 hour ,i start looking if this website was legit which in the same goggle say is not i even send a email and call this company name LOOKBU, with no answer in monday 8-1-2022,the same sunday 7-31-2022 at 1:28am i call thecredit card BMO Harris to tell them what happen,they cancel the card and tell me,i going to receive a new one,and that i have to call the dispute department to try to get the money back ,when i call i tell them to cancel this transation because i investigate and seem very suspicious and i dont want to lose that money,they told me going to initiate a investigation and call them in 30 days to see if they can credit me,i told them but i want to cancel right now but they insist i have to wait 30 days and then call back.I try to insist i catch this company and the payment is pending, i ask if i wait if possible you make a payment and i lose my money?they keep insisting to wait 30 days and call,i say why 30 days,they offer me $25.00 and i dont have to call in 30 days which i say no and what going to happen with the rest of the money,they dont going to give me the rest back.They dont even give me a number a for the investigation.

  

  Business Response

  Date: 08/10/2022

  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 10, ******************************** 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: 08/11/2022

   
  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,
  
  ***********************

  Customer Answer

  Date: 08/11/2022

   
  Complaint: 17656072
  
  I am rejecting this response because:I dont have the letter they say was send to me yet,and dont have the refund.
  
  Sincerely,
  
  ***********************

  

  Business Response

  Date: 08/17/2022

  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 9, 2022 addressing the concerns. Additionally a second letter was mailed to the customer on August 17, ************************************************************************************* 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: 08/17/2022

   
  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:07/30/2022

  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.

  My auto loan payoff check was received in full on June 9, 2022. It did not post to my account until June 28, 2022. Once posting, I had an overpayment of over ******* due to a payment posting after the payoff letter was printed. Since June 28, I have called 8 times and messaged MANY time to BMO Harris about the status of my overpayment refund. Each time, I am told that my identity cannot be verified and that they cannot help me but will have a resolution specialist contact me within 24 hours. No call to this day and I keep calling and am promised the same call. This has been going on for over a month and I am still told that I cannot be verified; however, they had no issue verifying me when I was making my monthly payment and they will not tell me how I can verify my identity unless I go into a branch. The closest branch to me is 91 miles one way. Never in my life have I seen something so ridiculous. It is my money, please let me know the status of it. I do not think I am asking too much. I was assured I would have the money within 3 weeks of the check being received.

  

  Business Response

  Date: 08/08/2022

  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 on August 2, 2022 to ***************************** addressing their
  concerns. 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.

• Initial Complaint

  Date:07/29/2022

  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 should have a refund from a merchant showing on my BMO Harris Debit Card. But it never showed. I contacted the merchant several times and ensured they had already refunded me the amount. But it never appears on my BMO Harris statements. I contacted BMO customer service and provided all documents to prove that there should refund money on my account. But BMO denied my claim two times for a strange reason, such as whether the transaction was valid or something else.

  

  Business Response

  Date: 08/05/2022

  We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customers inquiry.  A Representative of the Bank spoke with Mr. *** on August 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.
  

• Initial Complaint

  Date:07/28/2022

  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 filed a dispute for fraudulent transactions on my business account with BMO, which they denied. My account number is **********. I am fully aware of my rights as a consumer/customer/client and I am fully aware that I am to be protected by federal law from identity theft and fraudulent activity, once it is reported. BMO Bank is insured by FDIC, which is to protect me as a victim of fraudulent activity. Additionally, BMO website states the following: 100% Security Guarantee We will reimburse you 100% for any losses to your bank accounts from unauthorized transactions,as outlined in our ****************** Services Agreement.I am a business owner, who is a victim of identity theft and fraudulent activity. I am protected by law.BMO is not only breaking the law by not abiding, but continue to demonstrate poor practices and reason why I do not feel protected or supported by them. I chose to give BMO my business because I thought they were a fairly decent bank. That is far from the truth. I continue to have problems with them, as I have a personal account as well. BMO's customer service is extremely poor, they hire unknowledgeable people for low pay, BMO lack quality, empathy and are just all around the board poor. They give their customer's the hardest time with any and every issue! Customer transactions and customer interactions should be seamless and painless, but instead they intentionally make banking with them difficult and stressful. Life already has its everyday hardships. We are still experiencing an epidemic/pandemic and everything is inflated. We deal with personal issues in our everyday lives and BMO insists on voluntarily adding to the pain and agony. I've experience two family deaths in the past couple of months and quite frankly I should not have to deal with such issues as my bank declining a VALID fraudulent dispute. I am a VICTIM! BMO is very disappointing and I do not recommend. BMO is in violation of the law, as I am protected by LAW!

  

  Business Response

  Date: 08/18/2022

  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 to Eyecon Collection LLC on 8/18/2022 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.