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
- 1,412 total complaints in the last 3 years.
- 469 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:07/23/2022
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.
The bank is charging insufficient funds fees to people of the poor. I have been having issues with the bank for 2 years. The cut off time to add funds to your account is 5pm when other banks is 8pm. Then the charge for overdraft fees are $38 per item when other banks are free. Then they send all your items back unpaid and charge u the $38 per item. I jhave paid out over $800 in fees because if the 5pm cut off time. I tried calling bank 2 weeks and the call time is 2 hours.I heve read the reviews on the bank and alot of people are experiencing the same issues. I will be closing my sccount first thing monday!
Business Response
Date: 07/28/2022
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 7/28/2022 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:07/22/2022
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.
BMO Harris offered a promotion to get a $300 bonus when opening a Smart Advantage checking account. I opened the account on 08/11/21 and met the requirements. Bonus never posted. Sent many, many emails to banker *********************** and was told the bonus would be posting. The bonus never posted, and he kept promising it was coming but it never did. This bank is acting in an unethical manner.Business Response
Date: 07/25/2022
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 7/25/2022 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: 07/25/2022
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,
*****************************
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