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Business Profile

Bank

BMO Bank N.A.
BBB accredited business seal
BBB Accredited BusinessA+Rated by BBB

Complaints

This profile includes complaints for BMO Bank N.A.'s headquarters and its corporate-owned locations. To view all corporate locations, see

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    Customer Complaints Summary

    • 1,411 total complaints in the last 3 years.
    • 466 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:06/24/2025

      Type:Customer Service Issues
      Status:
      Answered
      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 an auto loan with them and need to change my wifes name on the title so that it will show up correctly on the annual State registration for the vehicle. The *** representative said that can only be done if I refinance the loan. Thats not an appropriate action since it would raise the payments.*** had other loans with other institutions that simply changed the name on other titles.

      Business Response

      Date: 06/27/2025

      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 June 27, ********************************************* the complaint.  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.

      Customer Answer

      Date: 06/27/2025

       
      Complaint: 23511858

      I am rejecting this response because: their response simply said they sent me a letter today. Since I dont know the content of their response it would be impossible for me to judge satisfaction or not until I have received and read their letter.

      Sincerely,

      **** *******

      Business Response

      Date: 06/30/2025

      A letter was sent to ******* ******* on June 27, ********************************************* the complaint. Our stance remains unchanged, and we ask that the customer allow sufficient time for mail delivery. We consider the matter closed. 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.

      Customer Answer

      Date: 07/01/2025

       
      Complaint: 23511858

      I am rejecting this response because: As I originally stated, Until such time as I receive the letter indicated in the response, I cannot at this time judge the response. Since I must provide a response to BBB about this matter now, before I have received the letter, it is impossible to accept and close this matter at this time

      Sincerely,

      **** *******

    • Initial Complaint

      Date:06/23/2025

      Type:Billing Issues
      Status:
      Answered
      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.
      ******** incorrectly applied my RV payment and referred me to their internal collections team who has been calling to harass me ever since even though they can clearly see that the issue has been resolved on their end.

      Business Response

      Date: 06/25/2025

      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 ****** ******* on June 25, 2025, addressing their concerns. In the interest of protecting the 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:06/23/2025

      Type:Billing Issues
      Status:
      Answered
      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.
      07/05/2022 I closed my checking account. At that time, I didn't owe any money. After that, I don't know why I was reported to abuse the account and owed $1055.34. They didn't inform me, so I couldn't open another bank account. After contacting them, I asked me to pay back. They would delete the report, but I paid the arrears, and the report was still there.

      Business Response

      Date: 07/06/2025

      We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A letter to the customer was placed in the mail on July 6, 2025, addressing their concerns. Please allow time for mail delivery.  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:06/20/2025

      Type:Sales and Advertising Issues
      Status:
      Resolved
      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 been banking with BMO Alto with a savings ******* and made an error trying to withdraw all of the balance in April back into my ***** ******* as I wanted to put the money into a higher APY *******. I tried to send it to the ***** ******* linked, which happened to be an old savings ******* that had been closed since February. I made an error and tried to send it back. This resulted in my balance displaying double the amount for a few days and being brought back to the original principal amount. I thought this resolved the issue and proceeded to link my current checking ******* to the *** Alto ******* and tried to withdraw the amount once again. On April 9th, 2025, I received an email from *** stating that the fund transfer of $12073.80 has failed and that there has been a fraud investigation opened on my *******. I sent an email to the fraud department with the necessary documentation on April 10th, 2025 and have been left without any communication. I then tried to contact customer service, having no help from either customer service representatives or the fraud department. On June 6th, 2025 I received an additional email about my ******* stating that my savings ******* has been updated on the 6th. Additionally, I received an additional email on June 9th, 2025, stating that the transfer amount of $12155.25 had been transferred to an ******* linked with the *** Alto *******. I have not received this money and have again contacted customer service and the fraud department June 20th as well as the week before. They then stated again, I needed to inquire through email and have not resolved this issue after a few months. Again, on June 9th 2025, an email stating that my savings ******* has been closed was sent to me.

      Business Response

      Date: 07/01/2025

      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 July 1, ********************************************* the complaint. 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.

      Customer Answer

      Date: 07/02/2025

       
      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:06/20/2025

      Type:Billing Issues
      Status:
      Answered
      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 believe this account has been assigned to me in error, as I am not liable for the debt in question.I have no contractual obligation with BMOHARRISBK and have never received any documentation to substantiate the validity of this debt, despite my formal requests for verification. I specifically asked to review the original application or contract related to this alleged debt. Since BMOHARRISBK has been unable to provide this documentation, I assert that the debt is not mine and should not be associated with my records.I kindly request the removal of this erroneous collection from my account and an acknowledgment of this resolution in writing. Thank you for your attention to this matter.

      Business Response

      Date: 06/27/2025

      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 June 27, 2025, addressing their concerns. Please allow 7-10 days to receive the letter. In the interest of protecting the 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:06/19/2025

      Type:Customer Service Issues
      Status:
      Answered
      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.
      06/15/2025 I experienced terrible customer service over the phone and was wrongly denied access to my funds. I contacted *** bank via phone to check my balance, initially I was speaking with a woman and was transferred to a man. He said he had to authenticate my account using the number I provided to open up my account. He then said he could not use that number to authenticate my account, something about his system not allowing it. He asked me about my recent transactions, I hung up on him because he didn't explain why my number couldn't be authenticated. I called again and was informed that do to security reason I had to go to the main branch. I asked why, and could be provided a reasonable explanation. I had provided the number listed on the account, I asked to speak with the supervisor and someone lied and said there was no supervisor available. I called again and asked to speak with a supervisor, and spoke with a supervisor and asked why there were no other ways my account could be authenticated and he informed me I had to go to the branch. This was Father's Day weekend and I had no access to my funds because a representative put "security restrictions" on my account and didn't explain why. I had provided the correct number. I was informed by an associate at the bank why my number couldn't be authenticated and inquired about other methods of authentication. The representatives on the phone could have provided alternative methods, all of them who I spoke with, instead of placing a security hold on my account and not being able to assist me after I answered nothing wrong.

      Business Response

      Date: 07/03/2025

      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 July 3, ********************************************* the complaint.  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:06/18/2025

      Type:Billing Issues
      Status:
      Answered
      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.
      A loan account from GS Loan Service/BMO Harris is showing in my credit history with a large balance. I have no knowledge of this account and did not authorize it. This is fraudulent and must be deleted.

      Business Response

      Date: 06/30/2025

      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 June *******, addressing their concerns. Please allow 7-10 days to receive the letter. In the interest of protecting the 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:06/17/2025

      Type:Service or Repair Issues
      Status:
      Answered
      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 am unable to access my account digitally. They are unable to help me fix this. Their bank bought out the bank that held my loan. The information they have is not matching up with my information.

      Business Response

      Date: 06/20/2025

      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 mailed to ***** ******* on June 20, 2025, addressing their concerns. Please allow 7-10 days to receive the letter. In the interest of protecting the 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:06/16/2025

      Type:Service or Repair Issues
      Status:
      Answered
      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 contacted ********;multiple times regarding my concern. Attached is my next due payment indicating *** paid interest out til *********************************************************************************************************************************************** adv. *** asked my payments get reapplied so that Im not pay interest in the extra amount *** already paid. Last I talked to a *** was over a month ago he made it sound like he would get it resolved. But nothing still has changed. Im sick of calling over and over on this. I want a copy of my full payment history sent to me because my account is obviously messed up in every way and sitting on the phone waiting to talk to someone over and over just for nothing to be done is over, 

      Business Response

      Date: 06/30/2025

      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 June 30, ********************************************* the complaint.  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:06/16/2025

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      *** obtained our account through buying out Bank of the West, we had an old bankruptcy dated back to 2013.When they obtained our loan they refused use any information to our account even refusing to send us statements for us to make our payments, in 2024 we finally were told we needed to contact their bankruptcy department, so we contacted them and a lady named **** told us she has taken care of this issue and they started sending us our monthly statements and answering our calls and allowing us information over the phone to our account.The 6 months later in September 2024 the same issue came up again, no longer allowing us to access our account due to a bankruptcy in 2013, so I had to call bankruptcy department again at *** and once again (****) said it is fixed and she didn't know why or who kept blocking us from our account.We then were able to access our account again and was still receiving our statements and we were getting closer to paying off the account so we called to get payoff June 7/2025, the lady's name was ***, she sent me a code by email and then to proceed to tell us our 10 day payoff amount and said if we decided we could call her back and make that payment over the phone and then was disconnected, so I call back immediately and get a different person and was told I could not access this account without proof and I explained I just spoke with a lady and she gave me a payoff amount and would like to be connected to her again! But no one would connect me or comment on our account or give me any information again on our account.Monday morning 6/9/2025 I call ***, again we are told we can't access our account, again I explained we are paying off our account and just need to make a final payment and I was told I was not allowed to, I replied for what reasons? I was told they need proof, so I tell them you have my information, account number, SSI number address and phone number, BMO is refusing us access to our acct. Due to a 12 yr old bankruptcy

      Business Response

      Date: 06/26/2025

      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 **** ******* on June 26, 2025, addressing their concerns. In the interest of protecting the 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.

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