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.
- 466 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:05/29/2025
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.
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,
**** *******Initial Complaint
Date:05/29/2025
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.
I paid my account in full and then they took an additional $50. I called and asked for a refund check 3 weeks ago and have not received it. Now I can't talk to anyone.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 to the customer was placed in the mail om June 7, 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: 06/09/2025
Complaint: 23392584
I am rejecting this response because:
I do not trust them. I do not need a letter. I want my $50 refund.
Sincerely,
******* ********Business Response
Date: 06/20/2025
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: 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.
Sincerely,
******* ********Initial Complaint
Date:05/28/2025
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.
I financed a car with ************. Later my account was sent to ********. I recently paid the vehicle off. When I asked for my title they told me I couldnt have because of some outstanding late payments. Nobody ever told me about outstanding late payments until I asked for my title. I was told if i didnt pay my car going to be towed away after I paid the car off.Business Response
Date: 05/30/2025
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 mailed to ******* ******* on May 30, 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:05/27/2025
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.
******** closed my credit card account without written notice in advance. And when I contacted them, they didn't give a specific reason for closing my account. My account was always paid off in full on time each month. I still have $10.27 reward dollars on the account, but because it's less than $15.00, ******** refused to send me a check for that amount. Since my account was closed suddenly, I was not able to spend more with that card to bring the reward dollar amount to $15 and *****'s not a big issue that my card was disabled; but they should honor my rewards with that card and send me a check of $10.27.Business Response
Date: 06/09/2025
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 9, 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: 06/16/2025
Better Business Bureau:
Thank you for getting this complaint resolved! Appreciate your help.Sincerely,
******* ***Initial Complaint
Date:05/26/2025
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.
I had a checking and savings account with BMO Bank in *************** and I got my tax money deposited into my account and transferred it into my savings. About a week later my account got locked by ********;saying the fraud department locked it until I verify myself. I had $1,150.00 when It was locked. They said I had to bring a utility bill and my id card to a branch To verify myself it took me a couple weeks because I did not have a Identification card and I had to order a new one. I finally got a new one and I took it and a utility bill to the branch and then all of this said they needed a third thing to verify my ID identity and they said they needed my social security card which they never said before I've tried to order a social and for some reason I'm not able to get a new 1 and I don't currently have my original copy I have done more than enough to verify myself I had my identification card and a current utility bill and they are Telling me that I cannot have my money back now it has been 2 months and they are still holding my $1100 and it is very upsetting and I am about to take legal action and *** them for My money back and for lost wages and everything I lost because I was not able to pay my bills because of that so my truck got taken which in turn made me lose my job and couldn't pay my cell phone bill and it's all because they locked my account and took my money so I'd like something figured out civilly e or else I am going to be taking it My money back and for lost wages and everything I lost because I was not able to pay my bills because of that so my truck got taken which in turn made me lose my job and couldn't pay my cell phone bill and it's all because they locked my account and took my money so they opened my checking account an now they don't know where my money went it is crazy I have been hung app multiple hung app on multiple times by customer service and they've been completely rude to me and it's very upsetting.Business Response
Date: 06/05/2025
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 5, 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:05/25/2025
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.
They keep put a hold in my account for a check i deposited to my account , even i send documentation where the money came from, they accepted the documents they still don't lift the hold on my account, all the credits i paid with that account the payment bounced back, and i have a late payment in one of the credit card i paid with that account, i supposed to travel for the memorial day weekend due to that matter i can't i had to cancel my trip.Business Response
Date: 05/28/2025
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 May 28, 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:05/24/2025
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.
Since 2025-02-14 through 2025-05-24, I have received multiple emails from *** with regards to a bank account. I do not have any account with ***. Nonetheless, they have my email address associated with an account and haven't stopped email me about it.I have called their customer service and fraud telephone numbers over a dozen times over the course of several months. The emails continue. I have also filed a complaint with the ***.Business Response
Date: 06/05/2025
We are in receipt of the complaint for the above referenced consumer. We welcome the opportunity to respond to the consumers inquiry. An email was sent to the consumer on June 5, 2025, addressing their concerns. In the interest of protecting the consumer's 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: 06/06/2025
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 meassuming the automated email communications from *** cease. Time will tell.
Sincerely,
T ******Initial Complaint
Date:05/23/2025
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.
Opened BMO smart advantage checking account under a $300 direct deposit promotion requiring "qualifying deposits" which are "deposits of regular income --such as salary, paycheck..". I have supplied the promotional terms of the banks bonus offer. Along with my four paychecks showing four $1,000 deposits to the BMO checking account ending in 274. I also provided their supports final response for reason of dismissal. Which they state 2/19/25 was not an ACH payment rather an "RTC". However no where in the terms and conditions are these mentioned, neither requiring ACH nor precludes RTC. At the end of the day the four paychecks showing "regular income" being "electronically deposited" using "BMO routing number" and "my BMO account number" is clearly what occurred. These electronic payroll deposits occurred well within the required time frame. On 5/12, per their terms the last day in which the bonus were to be paid, they didn't pay... I have contacted the bank through several means (in person not an option) and they refuse to re-open. I'm behooved how additional, unwritten T&C can be used to disqualify a person, and how four salary pay checks aren't considered "qualified" i.e. deposits of regular income. It is... my deposits were... and that's quite literally exactly the deposits these banking promotions are advertising to receive in hopes they keep the income stream. I'm at a loss.Business Response
Date: 05/29/2025
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 on May 29, 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: 06/02/2025
Complaint: 23369635
I am rejecting this response because:The banks response is factually incorrect. Again my initial complaint filled with the BBB included my four paychecks from my employer as supporting detail which show $1,000 deposits into my *** checking account. Please respond explicitly how four paychecks proving four $1,000 direct deposits of "salary or other personal income" deposited into my *** checking account fails to qualify for your offer. You response and your associates continue to ignore this detail. The very detail that your terms and conditions state may be asked for in situations requiring clarification. I supplied voluntarily, in good faith.
I am rejecting the complaint because you still have not paid the $300 checking bonus to which I am owed. In your letter response, included here as attachment, you no longer refute that I qualify, in fact now you admit upon further review of 2/19/25 direct deposit, that DO QUALIFY. However, you state i would be paid on 5/30/25 and yet no payment was recived.
I am rejecting the complaint because its factually inaccurate. You state i only made $3,025 of qualifying direct deposits. This is FACTUALLY INCORRECT. My funding deposit of $25 is NOT QUALIFIED, yet you state is is. You also state my 2/19/25 PAYROLL DEPOSIT OF $1,000 is not qualified, yet it obviously (being purported by my 2/19/25 paycheck) is. As such I did compete 4 x $1,000 direct deposits totalling the required $4,000 for promotional bonus.
You then state finally "upon further review" that this WAS INDEED A QUALIFYING DIRECT DEPOSIT.
So, like I said. I met your terms and conditions. Payment of the bonus was due at the latest on 5/12/2025 per your terms and conditions.
You now add additional qualifications to me obtaining the $300 bonus that I am already owed. You can't do this.
You stated in your response that on 5/30/25 the payment would be made. Its 6/2/2025.... and I still have not recieved my bonus.
I'm quite literally appalled by your Banks actions. I ask, for the fifteenth time. Please correct your mistake and pay the monies I am owed. I did not write your offer. I did not wro6te your terms and conditions. You did. I obeyed them. Please pay my direct depsoit promotion of $300.
Sincerely,
*** ********Business Response
Date: 06/06/2025
The customer has been contacted via email from manager l to give further explanation and resolution.Initial Complaint
Date:05/22/2025
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.
On Saturday, May 17, 2025, I deposited a check from the mobile app; it was a check for an insurance settlement for $3969. I didnt expect the check to be available immediately because it was a Saturday and not a business day. On Monday, May 19, 2025, I received an email stating the deposit was approved and that there would be a 2-day hold on the check and accounts opened less than 90 days would be held for 4 business days. That email was received at 9:16. On the same day at 1149 hours, I received another email saying that the funds would be available on the 7th business day. I called the bank and spoke with the branch manager by the name of ******, and she stated to me that the check was being investigated for fraud due to reasonable doubt of collectability, whatever that means. Over the next 3-4 days I contacted my bank and also the bank the insurance check was drawn off of. I was told by ********************** that the check was cleared and cashed, and funds were already sent to ******** as of May 20, 2025. I called *** and spoke with ****** again, in which she told me, YES, THEY HAVE FUNDS, YES, THE CHECK HAS BEEN CASHED, YES, THE CHECK HAS BEEN CLEARED, BUT *** WILL NOT RELEASE ANY FUNDS TO ME UNTIL MAY 29, 2025!! Due to this, I have fallen EVEN FURTHER BEHIND ON MY BILLS, AND LATE FEES AND CUTOFFS HAVE HAPPENED!!Business Response
Date: 05/30/2025
We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A letter to the customer was placed in the mail on May 30, 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:05/22/2025
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.
Unable to transact using my bank BMO Harris on ******** a fortune 500 company which is an American cryptocurrency exchange. BMO Harris is blocking my attempts to use my money at my discretion. I expect them to allow me to spend my money as I see fit.Business Response
Date: 05/27/2025
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 May 27, 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.Customer Answer
Date: 06/02/2025
Complaint: 23365361
I am rejecting this response because the letter received does nothing to fix my problem. They vaguely address this may be fixed in the future but give no solid answer to my grievances in processing payment from me to ******** in transactions with my own funds.
Sincerely,
******* *****Business Response
Date: 06/02/2025
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: 06/02/2025
Complaint: 23365361
I am rejecting this response because they are not addressing my complaint and as a bank they are telling me how I can and cannot spend my money. They cannot simply hand waive this away. They work for me I don't work for them. Attached is the nonsense letter they sent showing they have done absolutely nothing to address this complaint. I reached out to them first via their web help and the individual handling it also hand-waived me away.
Sincerely,
******* *****
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