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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

    • 1,413 total complaints in the last 3 years.
    • 468 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:06/06/2025

      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.
      *** has been blatantly stealing money from my account and adding random charges. I zelled all the money out of my account on the 4th to pay rent making my balance $0. I then deposited $108 in my account on the 5th and only used $18. There is a charge on my account for 144 yet my balance was only $90 after spending $18. Now my balance is $23. Explain to me how how this is possible.

      Business Response

      Date: 06/11/2025

      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 11, 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:06/05/2025

      Type:Order 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 signed up for a new account bonus offer, and completed the requirements by depositing over $4000 of business income (from my therapy practice) into the account within 3 months of account opening. *** has denied my bonus because they state that this is not business income, despite my submission of paystubs showing the deposits are from my business, Hill Psychotherapy Northwest.

      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 customer on 6/23/2025, addressing their concerns. Please allow 7-10 days to receive the letter sent via ****. 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.

      Customer Answer

      Date: 06/23/2025

       
      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. 

      They have paid the bonus in accordance with the original offer. Thank you for your help with this, they were really mistreating me before you stepped in.


      Sincerely,

      *** ********

    • Initial Complaint

      Date:06/05/2025

      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.
      Terrible service and customer service!!! The *** customer service lie to customers place customers on hold for a long period of time hoping customers hung up phone calls. Poor service

      Business Response

      Date: 06/18/2025

      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 18, 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:06/05/2025

      Type:Product 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.
      This is bank is stealing my money and refusing to let me dispute Fraudulent charges on my account. Their mobile app doesn't accurately show your money. They keep double charging me and refuse to give me back my money. They have me call the number on the back of the card to reach a Chinese woman who doesn't help at all. It is my opinion this is China stealing American money. It needs a through investigation.

      Business Response

      Date: 06/10/2025

      We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. An outbound call was made to ****** ******* 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:06/04/2025

      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.
      To Whom It May Concern, I am filing a complaint with BMO Harris Bank because, today after checking my mobile app....my checking account is at a negative balance of *******. I have not made any purchases with the past few days and my checking account has overdraft protection. I would like *** to put my account back at the balance that it was at....in the positive. I am homeless. I can not afford any sort of overdraft fees. I have uploaded a screenshot of my checking account.

      Business Response

      Date: 06/04/2025

      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 4, ********************************************* 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:06/03/2025

      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.
      With no good reason or notice they closed my account which led to a demeaning experience when I attempted to use my zero balance credit card at a business. I paid my balance in full on time each and every payment. I have rad online that they are Canadian backed and that they dropped us accounts in retaliation. I worked hard to establish a good relationship and they chose to disrespect me for no reason. When I called in the guy was a real jerk and placed me on hold for over 15 minutes when I asked to speak with a supervisor.

      Business Response

      Date: 06/03/2025

      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 3, 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.

      Customer Answer

      Date: 06/06/2025

       
      Complaint: 23411866

      I am rejecting this response because:

      Sincerely,

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

    • Initial Complaint

      Date:06/02/2025

      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 signed up for promotional offer and I meant the qualifications but now *********** to pay me the bonus. They had a very rude *** by the name of ****** handle my calls and I never been treated so poorly in my life

      Business Response

      Date: 06/10/2025

      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 10, 2025, addressing their concerns. Please allow 7-10 days to receive the letter sent via ****. 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.

      Customer Answer

      Date: 06/10/2025

       
      Complaint: 23408322

      I am rejecting this response because it fails to provide any meaningful resolution. After speaking with *** ***************** it appears the bank is deliberately misclassifying my income as investment incomeseemingly to avoid its obligations. I can provide irrefutable evidence to the contrary, including notarized documents, a multi-year case file, and official documentation from the ****************************** verifying that this income is long-term disability benefits. As a double amputee and a legally recognized disabled individual, this classification is both inaccurate and unacceptable.

      Furthermore, I have no investment income for the 2025 calendar yearthis is a verifiable fact. Based on my research, **** actions may constitute a breach of responsibility, and I am actively reviewing additional legal and regulatory remedies available to me.

      Sincerely,

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

      Business Response

      Date: 06/10/2025

      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.  As per the initial response advising the communication has been mailed, please allow 7 to 10 days to receive the correspondence. BMO Bank N.A. considers this matter closed.  Thank you. 

      Customer Answer

      Date: 06/10/2025

       
      Complaint: 23408322

      I am rejecting this response because I am required by the BBB to formally accept or reject BMOs latest replyand nothing materially has changed since my initial response.
      So far, the tone of all dialogue has been non-contentious, which I appreciate, and I see no reason that should change. At its core, this matter is about whether Ior BMOfulfilled the requirements in good faith to open a new checking account. I am simply seeking a fair and timely resolution to this issue.

       



      Sincerely,

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

    • Initial Complaint

      Date:05/30/2025

      Type:Service or Repair 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.
      The loan was paid off in March. 3/11/25 to be exact is the date of the check. It is now 5/30/25 and I have not received the release of Lien or the title to the ** that the loan was for. I want the bank to resolve issue asap and to report to my credit agency any and all negative reporting. They have been very slow to respond if at all. **************** has been horrendous. I would never recommend this bank to anyone. The number from *** that I have has to call and use for these issues is ***************** I would appreciate any and all help resolving the issue.

      Business Response

      Date: 06/03/2025

      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 3, 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: 06/03/2025

       
      Complaint: 23399178

      I am rejecting this response because:  every answer from the business is that they have mailed to me. I have had nothing in the mail from the business since the loan has been paid off in March. Now they are responding to this complain via mail?  Unacceptable  


      Sincerely,

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

      Business Response

      Date: 06/04/2025

      We are in receipt of the rebuttal complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. The Bank received confirmation of delivery of the documentation sent to the customer on June 2, 2025. Please let us know if we can assist further regarding this matter. The Bank considers the matter closed. 

      Customer Answer

      Date: 06/04/2025

       
      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.  I got the ***** yesterday. The date the lien was released and signed was 6/2. However, the fact that it took almost 3 months to receive this is horrible business. You cashed the check in March and did not send this to me until I put a complaint in to BBB. Unethical and bad business practice. I was lied to prior to putting in this complaint and told it was mailed to me days before my original complaint filed. You need to do some more training on how to properly run this business. Worst I have ever experienced. 


      Sincerely,

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

    • Initial Complaint

      Date:05/30/2025

      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.
      Hello, Im a *** credit card customer and Ive been using my credit card just fine with no issues until this morning when I was told my account is restricted unless I go in a branch.. I told them thats not possible because I dont live anywhere near a branch and Ive also made payments and also paid my credit card off in full more than once. Like I said no issues at all but now I cant use my account for whatever reason and they arent helping me over the phone, I physically cannot drive to a branch, its not an option unfortunately.

      Business Response

      Date: 06/08/2025

      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 8, 2025, addressing their concerns. Please allow 7-10 days to receive the letter sent via ****. 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:05/29/2025

      Type:Product 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 noticed a $500 charge on my BMO Harris credit card from a merchant called SP Wonder Playland, dated March 4, 2025. I have never heard of or authorized any transactions with this company. I did not place any orders, and the merchants website is now inactive. I believe this charge is fraudulent and that my personal information was used without my consent, possibly due to a prior data breach.I immediately disputed the charge with BMO Harris within the allowed timeframe. However, the bank denied my claim and provided a receipt that appears fabricated. I never received any products or services from this merchant.I am seeking a full refund and an investigation into this fraudulent charge. I want to ensure my personal information is protected and that this business is held accountable.

      Business Response

      Date: 06/04/2025

      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 4, 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.

      Customer Answer

      Date: 06/04/2025

       
      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,

      **** *******

    BMO Bank N.A. is BBB Accredited.

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