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

  
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  BMO Bank N.A.

  1000 S. La Grange Road La Grange, IL 60525

  
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  BMO Bank N.A.

  1050 Maple Avenue Lisle, IL 60532

  
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  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:06/14/2025

  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.

  6/14 is the LATEST of YEARS of issues of 60 min holds, often followed by immediate disconnects, agents incompetent to the max, and who give different answers (I describe them below).Monetary compensation for years of damage to ****** & my emotional & physical health.Failing to trim tree branches that have **** lines entangled in the branches & branches in contact with the roof.

  

  Business Response

  Date: 06/23/2025

  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 23, 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:06/13/2025

  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.

  All of my interactions with this bank have only underscored my original complaint. In response to my letter in April, I received a letter insisting that I did not tell the agent to cancel my card (it would have helped if he had spoken English) and that I owed them $200 some dollars. I responded that they had gotten all they were going to get out of me, and still, after two months, I receive a phone call and/or an email about this bill. To add insult to injury, when I made the mistake of answering the call, it was a recording. Please have them stop this harassment. At this point it is simply SPAM. And it is disgusting.

  

  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.

• Initial Complaint

  Date:06/13/2025

  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.

  To Whom it may concern,I am writing to express my deep concern regarding several unauthorized account with BMOHARRISBK Account number: ************ Account balance: $4,892.00 , which I have been unable to resolve directly with them. I have discovered that accounts have been opened in my name without my knowledge, consent, or authorization. This fraudulent activity is not only a violation of my privacy, but it has also caused significant distress. I expect immediate action to rectify this issue. I am requesting that the Better Business Bureau assist in removing this account from my credit reports.I have attached copies of relevant documents, including my driver's license proof of address, copy of my social security card a cover letter and the my credit report, to support my case.I kindly ask for your assistance in facilitating a resolution to this matter. Please let me know if you require any further details or documentation.Thank you for your attention to this complaint. I look forward to your response and to a prompt resolution.

  

  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 to the customer was placed in the mail on June 27, 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:06/12/2025

  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.

  I have a credit card with BMO bank N.A. P.O. *******************************************************************. I made a overpayment of $2,413. to my credit card by accident. My intention was to pay the balance owing. I made the payment May 9, 2025. I have had no assistance with *** returning my overpayment. I keep getting representative after representative by phone, telling me a different sorry from the last rep. ** June ******, I was told to submit a Declaration of loss affidavit, notarized, which I did on that day, swearing I never received any payment. Now I'm being told that an investigation must take place, thus meaning, I won't receive my money for at least another 30 days. This is unacceptable, and what's criminal is BMO, is stating I must pay an interest payment of $103, due to their mishap. Please help, I need my money. I'm a disabled senior citizen.

  

  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 to the customer was placed in the mail on June 27, 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:06/11/2025

  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 am not liable for this debt with charter communications, I do not have a contract with Southwest Credit Systems,LP, they did not provide me with the original contract as i requested

  

  Business Response

  Date: 06/13/2025

  After a thorough search, the Bank is unable to locate an account for you based on the information provided in the complaint. We will be happy to investigate the complaint and respond accordingly if additional information, such as an account/card number, can be provided.
  
  Thank you again for the opportunity to review and respond to your concerns, and we trust that this addresses the concerns presented in your correspondence. If you should have any questions or would like to discuss this matter further, please contact us at ************.

• Initial Complaint

  Date:06/11/2025

  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.

  Well BMO puts a hold on a check from Geico. This is not the first time and also is putting my business in financial distress as they often do. This time its different because the check I deposited and they put a ten day hold on was a check form my personal Insurance for a loss that I had happen in my truck. The check was made out to my self and my company ******* as my name with the insured on the check. But ********;decided to mark this as a suspicious check. I am really starting the see that who ever is running this joke of a bank is clearly incompetent, because they are clearly targeting the wrong people. Im sure while letting all the people that are committing fraud and stealing money do exactly that while they focus on the good guys accounts for no reason. 

  

  Business Response

  Date: 06/17/2025

  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 17, 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:06/10/2025

  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.

  ******* said:This month, I discovered an auto loan with BMO Harris Bank NA, opened on March 31, 2021, with a balance of $2,669, that I do not recognize or recall authorizing. As this account appears to be fraudulent, I respectfully request that it be reviewed, removed, and blocked from my credit file.

  

  Business Response

  Date: 06/17/2025

  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 June 17, 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:06/10/2025

  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.

  To Whom It May Concern, I am filing a complaint with BMO Harris Bank because, I applied for a credit card which I was not approved for. I have applied for a credit card a few other times, and I was not approved as well.

  

  Business Response

  Date: 06/17/2025

  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 17, 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:06/09/2025

  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 spoken to the manager on a few occasions and still this company makes it more difficult to accept payment, I have record of payment being processed and now is refused by this company. Refusal of payment will lead to repossession and damage to credit

  

  Business Response

  Date: 06/12/2025

  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 today June 12, 2025, addressing the concerns brought up in the complaint. Please allow up to seven days for receipt.  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:06/07/2025

  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 opened a *** Smart Advantage Checking account in response to a promotional offer for a $400 cash bonus. The publicly advertised requirement was to deposit at least $4,000 in qualifying direct deposits within the first 90 days of account opening.I deposited over $4,000 via Venmo, which is the platform through which I regularly receive earned income. I believed this met the requirement in good faith. The promotional banner and enrollment flow on **** website did not define or exclude Venmo or other platforms from qualifying as direct deposits.After fulfilling the requirements, *** denied the bonus and later cited fine-print terms stating that Peer to Peer transfers (e.g., *****, Venmo) do not qualify. However, this exclusion was:Not disclosed at the point of enrollment, and Ambiguously worded, as Venmo is often used by payroll and invoicing platforms, not just for peer ************ my case, the Venmo deposit was for actual earned income, making it consistent with their own qualifying language (salary or income from an employer or third party).I contacted *** support multiple times. Despite explaining the nature of the deposit, I was told the decision was final, without any willingness to verify or review documentation. This rigid denial contradicts both the public spirit of the promotion and the reasonable interpretation of what constitutes income.I feel this practice is deceptive, especially when the public-facing ad makes no attempt to define or exclude Venmo-style deposits. I opened and funded the account in full reliance on the offer.

  

  Business Response

  Date: 06/13/2025

  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 June 13, 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.

  Customer Answer

  Date: 06/19/2025

   
  Complaint: 23438832
  
  I am rejecting this response because:
  Thank you for your response. I appreciate that you reviewed my concern, but I disagree with your decision and believe it does not fully reflect the facts or the fairness customers expect when responding to a clearly advertised promotion.
  
  
  I opened the *** Smart Advantage Checking account in response to the $400 promotional bonus advertised on your website. The offer promised a $400 bonus for depositing at least $4,000 in qualifying direct deposits within 90 days. The website advertisement I acted on did not disclose that income received via platforms like Venmo would be excluded. This critical information was only found in the fine-print legal terms not in the signup interface or promotional callouts.
  
  
  In my case, I deposited over $4,000 via Venmo, which I use to receive legitimate earned income. These were not personal transfers, but actual income tied to contracted work. The deposit was made into my account in full compliance with the visible criteria. Only after I met the terms did I learn that *** considers all Venmo transfers disqualified, regardless of the source or nature of funds a decision that appears arbitrary and not disclosed transparently to customers during enrollment.
  
  
  I acted in good faith based on the information *** chose to emphasize. If the bank excludes entire categories of deposits like Venmo, that should be clearly and prominently stated on the promotional page and application flow, not hidden in terms accessible only after signup.
  
  
  This approach is misleading, and I believe it misrepresents the promotion to customers like me. I request that *** reconsider and honor the $400 bonus based on the fact that:
  
  I deposited over $4,000 of verifiable income
  I followed all visible instructions and account conditions
  I reasonably relied on the promotional offer and acted accordingly
  
  
  
  If further documentation of the source of funds is required, I am happy to provide it.
  Sincerely,
  
  ********* *****

  

  Business Response

  Date: 07/06/2025

  We are in receipt of the additional comments provided by the above referenced person.  We have reviewed the concerns and have nothing additional to add to our original responses.  BMO Bank N.A. considers this matter closed.  Thank you.

  Customer Answer

  Date: 07/08/2025

   
  Complaint: 23438832
   I am rejecting this response because BMO Harris continues to rely on fine-print terms that were not disclosed clearly or prominently at the time of account opening. The promotional materials did not specify that deposits made through Venmo or similar platforms would be excluded. I deposited over $4,000 in earned income via Venmo, which I use as a legitimate income platform. These deposits meet the spirit of qualifying direct deposit, and I acted in good faith based on the information *** publicly presented. I believe this is misleading and unfair, and I respectfully request that the bonus be honored or escalated for further review.

  
  Sincerely,
  
  ********* *****