Business Profile

Bank

BMO Bank N.A.

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 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.

Initial Complaint
Date:05/22/2025
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 last used my card on 4/15/25. I also thought I misplaced my phone and that it was dead somewhere in my car or house. I called BMO to ask for a replacement card on the 17th of April. I asked for my balance. Since I did not have my phone I had no way of signing into my account. It was then that I was told about charges that I did not make. After logging into my other email I saw that my pin was changed. I talked to ********;about that and then are saying I authorized when I did not. My phone along with 2 cards were stolen. I am behind in all bills. Also when I made the fraud report they did not include a ,$800 withdrawal. I clearly told the banker that I did not withdraw money. This has been a headache and I'm closing the hag 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.
Customer Answer
Date: 06/04/2025

Complaint: 23363946

I am rejecting this response because I have not received your letter as it was barely sent out today. I did log into my account and it's still in negative standing, I'm assuming that you did not reconsider your decision on the claims I filed.I am writing to formally dispute your recent decision denying reimbursement for the fraudulent transactions made on my account following the theft of my debit card and phone.
Your conclusion that the use of a PIN confirms authorization is incorrect in this case. My phone and debit card were stolen, and shortly thereafter, I received an email from *** notifying me that my PIN had been changed. *** should have stricter security measures in place to protect customers pin. They should at least ask for the current pin to be able to update it.
This clearly indicates that the person who stole my phone and card was able to reset the PIN without my knowledge or consent. As a result, any subsequent transactions were not authorized by me, regardless of the fact that a PIN was used.
I filed a police report and took all reasonable steps to protect my account. I got a new number as well. Under consumer protection laws, I am not liable for transactions conducted after my card and phone were stolen and used fraudulently.
I request that you reverse your decision and fully reimburse the fraudulent charges.

Sincerely,

****** *******
Business Response
Date: 06/05/2025
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. 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: 06/11/2025

Complaint: 23363946

I am rejecting this response.
I am writing to formally dispute your denial of reimbursement for fraudulent charges on my account. Your letter contains multiple inaccuracies and fails to address the facts I have provided. I respectfully request that you reopen and thoroughly reinvestigate my claim.

1. False Claim About PIN Update Statement
Your letter states that I "confirmed" my PIN was updated on April 16. That is entirely false I never made such a statement. In fact, I submitted a screenshot of an email from *** confirming that my PIN was updated, which indicates that this action may not have been initiated by me. If your records show otherwise, I request a copy of the documentation or phone call transcript allegedly verifying my statement.

2. Timeline Confirms Fraud
I called *******************, who confirmed that the transaction(s) occurred after 10:30 PM on April 15 which is after I received the email stating my PIN was changed. If my PIN was not changed, then why did I receive that email? If it was changed, then how were transactions made using the previous PIN? Something does not add up, and I believe there may be a system failure or unauthorized access at play.

3. Proof of PIN Use
You claim the original PIN was used to authorize these transactions. I request documented proof of this claim including logs showing PIN entry attempts, ATM records, or metadata that confirms the exact PIN used. This is especially important because I never share my PIN with anyone, and I do not choose obvious PINs such as dates of birth or the last four digits of my Social Security Number.

4. Phone Theft and Unauthorized Transactions
My phone was stolen, which I clearly communicated during. I did not authorize any of the disputed transactions.

5. Inaccurate Spending Pattern Analysis
You also state that the charges align with my typical spending behavior. That is incorrect I have never withdrawn money from my account using an ATM or other cash method, and this pattern should be verifiable through my transaction history. Therefore, this statement is baseless and does not reflect my banking behavior.
In light of the above, I again request the following:

Written documentation showing the specific PIN used and whether it was the original or updated PIN

The basis for concluding the transactions were "consistent" with my spending habits

An immediate reconsideration of my fraud claim and a temporary
Credit.

Sincerely,

****** *******
Initial Complaint
Date:05/21/2025
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.
Our credit card was canceled by ***, with no warning. We have been. trying to get our reward points but keep giving us excuses. We have $815.00 coming to us in rewards. I have made multiple phone calls I was asking for a check since I dont have their card working anymore.
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:05/21/2025
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 an auto loan with ***. Vehicle was purchased in 2020. On numerous occasions they have made attempts to contact me regarding payments. All of which were made on time, within their time frame. NO payments will be accepted early. However, on these occasions. Payments have been made with a confirmation, yet they continue to contact me as if the payments weren't made. Wasting my time as well s their own. I don't trust that they conduct their business correctly. Perhaps someone credit has been affected by this.
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 to the customer was placed in the mail on May 28, 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:05/21/2025
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.
I opened up an account with $25 and it has been over 6 months and my card does not work, they are telling me that it will take 2-4 weeks to get my money, and I have not received it.
Business Response
Date: 05/22/2025
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 May 22, ********************************************* 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:05/20/2025
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.
On 5/16 BMO Harris Bank suddenly and without warning placed a restriction on my business checking accounts, which has frozen access to all my funds. I maintain multiple business accounts with the bank, and this action was taken without explanation or prior notice.I have made multiple calls to the bank seeking answers. Not only has *** refused to provide any meaningful explanation, but on several occasions, representatives have hung up on me when I pressed for details. I have been told only to wait a month, which is unacceptable under the circumstances.I have provided extensive documentation to support the legitimacy of the deposit in question, including:A signed work authorization and pay directive A screenshot of payment confirmation from the insurance company The official supplement of record and estimate of record Despite this, the bank has taken no action to resolve the matter. As a result, I am unable to pay employees, cover operating expenses, or meet personal obligations. I am at risk of losing both my business location and my home due to missed payments. The financial and emotional toll is enormous, and this situation is entirely due to the banks failure to act responsibly and communicate
Business Response
Date: 05/23/2025
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 May 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.
Initial Complaint
Date:05/15/2025
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.
So without telling me they close my account I have never been late on my account I've been making payments to my account for over a year and now they're trying to tell me that they close my credit card they're not going to reissue me another one and that's it there's nothing I can do there's no information on why my account is closed it's just in the agreement with the credit card so because it's an agreement with the credit card they could just do whatever they want at any time which I don't agree with because no warning was even given to me so how do I know that I'm even paying a card and they can't even help me lower my adjustments on my card because they decided just to close my account so now I'm going to be paying twice as much back to the bank which I think is ridiculous.
Business Response
Date: 05/16/2025
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 16, 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:05/14/2025
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.
I was customers to (formerly ********************* and have now *** I never received any credit card continues from existing Bank or any notification activation but recently I received some kind of letter that due to the inactivation of the credit card account is closed I never see my credit card or I have any chance to use it if I don't have the credit card in my position BMO never send me the card or never notified me about the inactivity of the card this is violation of under the Fair credit act and practicing in bad faith that's very unacceptable that harmed to their customer credit score and liable for loss and damages for their action they fail to properly notify the customers therefore I would like to my account reinstated since as a customer and I never order any card they are continuous to come to my existing Bank Bank of the West and they're liable to continue to new credit card into the new account but I never receive anything Sincerely BBB
Business Response
Date: 05/20/2025
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 May 20, ********************************************* 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:05/14/2025
Type:Customer Service 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.
Check issued from employer *** is the financial institution printed on the check I reside in ***** ** there are NO *** BANKS in ***** I travel to ***** ** to cash my check only to be disrespected and lied to by the simple minded pea brain Branch Manager ******* and refused to cash my check for his personal reasons very unprofessional uneducated and lacks proper communication and leadership skills.
Customer Answer
Date: 05/14/2025
Ok well the same way I traveled to them have BMo banker come to me then simple same time and energy and gas I wasted I expect the same energy to be reciprocated
Business Response
Date: 05/21/2025
We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customers inquiry. Attached is a letter that was sent today addressing the concerns brought up in the complaint. Thank you for taking the time to bring this matter to our attention
Customer Answer
Date: 05/22/2025

Complaint: 23330866

I am rejecting this response because: ******* you're the s***** associate who gave me poor customer service so any response from you is irrelevant especially when your colleague Brain located my check in BMO system and has been in contact with my employer FRAUD where? the only fraud is you CLOWN stop trying to run this financial institution as your own business and do your **** job with out prejudging customers you disrespectful rat face c*** sucker

Sincerely,

L ********
Customer Answer
Date: 05/22/2025
I am rejecting this response because: ******* is the idiot associate who gave me poor customer service so any response from ******* is irrelevant especially when he is a LAZY LIAR. I don't trust him and BMO shouldn't either! *** MANGER Brain located my check in BMO system and has been in contact with my employer FRAUD was never an issue the only fraud regarding this matter is ******* he needs to stop trying to run *** financial institution as his own business and do his job with out prejudging customers the encounter with him was disrespectful and I would like another representative of the company regarding this matter and my interactions with him at the branch not ******* he doesn't have the mental capacity for a resolve if he couldn't do simple steps or procedures to locate an existing account in the system something is really wrong with the guy

Sincerely,

L ********
Initial Complaint
Date:05/13/2025
Type:Service or Repair Issues
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 deposited a cash on Thursday may 8, 2025 in the **** After the *** took the cash, it recognized the first 2000$ and then it restarted and got disconnected from internet and electricity. I filed a claim. They said you should get an answer and money within 4 days. I went to the branch again today Tuesday May 13.
Business Response
Date: 05/19/2025
The Bank has verified that on 5/16/2025 the customers issue has been resolved.
Customer Answer
Date: 05/20/2025

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,

Amr Shahat
Initial Complaint
Date:05/13/2025
Type:Customer Service Issues
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.
Former complaint number ********. Paid off RV loan on 11/20/2024. Called them on 11/25 to ensure payment received and that the title was also released. They stated yes, it has been released. Still have not received our Title, they sent me a lien release letter but went to Title and Tag and they advised that the Lien is still in place with PA DVM. It must be released electronically directly with the PA DMV. Just spoke to ******* at *** for over an hour. She finally asked for the information on how to contact the PA DMV to get the lien electronically released, what?? They knew who to contact to have the lien placed on the loan but not how to release it? In my opinion, this is fraud! They are withholding our free and clear title since November 20, 2024.
Business Response
Date: 05/19/2025
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 19, 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: 05/23/2025

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. I received the title in the mail yesterday. Thank you for your assistance!

Sincerely,

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

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BMO Bank N.A. is BBB Accredited.