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

  
• 

  BMO Bank N.A.

  1000 S. La Grange Road La Grange, IL 60525

  
• 

  BMO Bank N.A.

  1050 Maple Avenue Lisle, IL 60532

  
• 

  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:05/13/2025

  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.

  The bank closed a significant account and held money without adequate notice which I would have expected to be a certified mail notice for such an action. I relied on access to these funds and it created a difficult situation without immediate access. There was no history of any overdrafts or account misconduct. I was a 30 year commercial and personal customer. The bank further requested private financial information and became non communicative without my willingness to share information after they told me to close my accounts. I was told the check was in the mail to reimburse the account balance.

  

  Business Response

  Date: 05/14/2025

  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 **** ********* May 14, 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:05/12/2025

  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.

  This is in regard to a escrow refund after my ex wife and I sold the house. BMO HELOC (amount $225.72), and ****************** $1024.20) sent us refund checks in both of our names to the address of the property that was sold. It took some time before I actually received the checks. After receiving them, *** would not cash them or let me deposit them due to the checks being in both our names. I was informed to send the checks to my ex wife, have her endorse them, send them back and they would be able to cash them or deposit them. After receiving them back endorsed by the ex wife I was then informed they wouldn't be able to cash them or deposit them. I needed Affidavit of endorsement, however even with the affidavit of endorsement they still wont accept them because I have a business account. The joint account for myself and my ex was closed as per our divorce decree agreement. So basically, they are refusing to give us our money.

  

  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. A letter was sent today May 21, 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:05/12/2025

  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.

  I received $500 from my father via Zelle to my *** account on May 11, 2025, but was unable to withdraw the funds. I was not previously informed that my account apparently had been suspended and now closed due to a bounced check deposited on March 29, 2025. *** stated they would mail me a check to the address on file. I called *** and spoke with a representative named *****. I requested that they return the deposit to sender (my father) but he told me they "don't do returns, and that they will mail me a check to the address on file in a few weeks." I then requested to speak with a supervisor, but ***** mumbled "nothing can be done, there is no one for you to speak with" and proceeded to hang up on me. I was unable to even confirm that they had the correct address on file.

  

  Business Response

  Date: 05/21/2025

  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 21, ********************************************* 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:05/12/2025

  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.

  Description translated from Spanish via ****** Translate and assistance from my daughter, ***** ******:I have made multiple calls to request information and a resolution to a technical problem in which my mortgage loan information "does not match records" and I am unable to enroll in digital banking. When calling, I am read the exact error code and not helped and when the call is transferred the call is disconnected I must once again call back. The last call this morning on 5/12/25, the representative said there was no way to resolve my issue without going into a bank branch in person. I am a cancer patient who requires digital bank access due to severe hip pain and the bank should be able to provide technical assistance over the phone for equitable disability access.

  

  Business Response

  Date: 05/13/2025

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A letter was mailed to ******* ****** on May 13, 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:05/09/2025

  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 am not responsible for the debt alleged by *** HARRIS. There is no agreement between me and BMO HARRIS, and they have not provided the original contract as requested.

  

  Business Response

  Date: 05/19/2025

  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 19, ********************************************* 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:05/09/2025

  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.

  On 04/03 I deposited $30000 to the *** account. On the next day that money was supposed to be transferred to another bank that gave me a great promotion ($750).On 04/04 i noticed an unauthorized transaction in my account and called the bank in order to close that account and keep my money safe. I was transferred to ***** (her direct line ************). She was supposed to open a new account. After numerous questions to ID me she assured me that the account would be open no later than Monday. Well, it didnt happen neither on Monday nor on any other day. I had been calling her during 11 days and every single time her answer was the same: theres nothing she can do at this time, theres no time limit in process of opening an account online ( although originally I opened the account in 5 minutes) and i just need to be patient. But if i wanted to speed up the process instead of waiting a month or so i could drive to the nearest branch. Mind you the nearest branch was 120 miles away and i would have to take whole day off without pay to do that. Meanwhile my $30000 was stuck in the fraudulent account. The promotion another bank offered me had expired. Eventually out of pure desperation I called the bank again, but this time i was blessed to speak to the real agent who told me that the whole process takes one day and promised that the new account would be opened by the evening and i would have the access to my money by the next day. He kept his promise and did exactly what ** said. I was relieved and angry at the same time. I finally got the access to my money, but i just couldnt believe Nikkis behavior. She kept my money hostage for almost two weeks without any reason and explanation. She treated me like i was nothing, i didnt matter and was completely at her mercy. She lied and mislead me. This job that requires honesty and professionalism is obviously not for her. Therefore i want bank to at least partially reimburse me the $750 that i lost because of her.

  

  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. A letter was sent today May 21, 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: 05/26/2025

   
  Complaint: 23309057
  
  I am rejecting this response because:
  
  I am enclosing the copy of the pathetic useless letter that the bank had mailed me. As you can see it did not only resolve anything, it surprised me by its insolence. 
  Of cause these people did not assume any ownership of the mess they created. For weeks theyve been treating me like a criminal, although i did nothing wrong. They have been illegally denying me the access to my money for weeks. Mind you- MY money, that I worked so hard for. I wonder if the tables were turned and it was me who owed them money and decided not to pay back just because i dont feel like it, what do you think would happen next? We all know it- they would immediately punish me with fees and penalties. Now when they did it to me for absolutely no reason and explanation , put me in a very difficult situation, they didnt even apologize, to say nothing to reimburse me for the loss they caused! 
  I think now its my duty to warn as many people as possible about their unfair and ridiculous actions and policies through various sites and social media. If i am able to prevent anyone from suffering this bank put me through and convince anyone to withdraw all their money, close all accounts and run, then maybe this situation will have any sense and purpose 

   

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

  

  Business Response

  Date: 05/27/2025

  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.

• Initial Complaint

  Date:05/08/2025

  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.

  When I make an extra payment that is supposed to go toward the principal, they are taking my money and adding more to the interest so the principal never decreases as it is supposed to. I have had to call several times and they can never come up with a valid explanation for this unethical practice. I have never had a loan do this before.

  

  Business Response

  Date: 05/14/2025

  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 14, 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:05/07/2025

  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 had a credit card with ********, and they wrongly charged me about $206 back around January 2025, and I filed a dispute for the charge on February 19, 2025, and simply by ignoring my dispute, they sent it to a collection and ruined my credit history. FOR THIS REASON, I AM COMPLAINING TO BBB. AGAIN, I FAILED A FRAUD DISPUTE ON FEBRUARY 19, 2025, AND THEY RESPOND TO MY EMAIL SAYING THEY WILL GET BACK TO ME WITHIN 15 BUSINESS DAYS, ****************************************************** I felt they did bad business practices and reported me to the credit bureau. ALSO, I REQUESTED A MONTHLY STATEMENT, AND THEY REFUSED TO DO THAT. PLEASE, THIS MATTER NEEDS TO BE INVESTIGATED FOR ME.

  

  Business Response

  Date: 05/22/2025

  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 22, 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: 05/28/2025

   
  Complaint: 23300262
  
  I am rejecting this response because: on May 22nd, they send me a letter stating that i need to send them a police report and my drive license and i emailed and mailed them as well including the copy of dispute i submitted on February 19, 2025 with copy of the email feedback after i submitted the dispute. For the dispute i submitted on February 19, 2025, they never get back to me with any resolutions, they just ignored it. and also, every time I had to call the *** customer service department to close any credit card exist with my name, their response was, we could not verify you to close the account. 
  
  Sincerely,
  
  ****** Fite *****

  

  Business Response

  Date: 05/30/2025

  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: 06/04/2025

   
  Complaint: 23300262
  
  I am rejecting this response because: I just attached a letter dated on May 22, 2025 saying that they are in communicate with the credit ***** to remove the negative reporting from my credit, until that happen, I am kindly rejecting it
  
  Sincerely,
  
  ****** Fite *****

  

  Business Response

  Date: 06/11/2025

  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.

• Initial Complaint

  Date:05/06/2025

  Type:Billing 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.

  Approximately 3 weeks ago, I attempted to use my BMO Card (formerly Bank of the West) and had a $25 transaction declined. I had an $8000 limit and zero balance. I reached out to *** and was told my account was being closed due to their right in the terms and conditions of the credit agreement. My online access was cancelled as well as any reward credits earned on the card (I'd call that theft). I was told I would not receive nor was I entitled to any more information. I have still not received any correspondence from *** (I would call that a poor decision from incompetent management). I know they have a right to cancel an account per their terms and conditions, but what about notifying the consumer? If I failed to pay my bill, they would start legal action. But they are allowed to lie to, steal from, and misinform their customers. I feel for those card holders, who through no fault of their own, had a card cancelled which lowered their available credit thus reducing their credit score. I guess *** doesn't care if they hurt their long time customers who, from the research I've done, are becoming fewer and fewer. My opinion through my experience is that *** is a VERY untrustworthy bank. I will not patronize any venue or business that supports or promotes ***. I wonder when they will start to seize bank accounts because they detect accounts that don't fit their business model. 

  

  Business Response

  Date: 05/08/2025

  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 8, ********************************************* 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: 05/08/2025

   
  Complaint: 23294983
  
  I am rejecting this response because:

  While I do appreciate a response, you did not address the initial concern. What good is a letter of notification sent 39 days after closure of the account?  From my standpoint, a letter sent in an appropriate time frame would have avoided the actions I have taken.  You have failed miserably at customer service and your words are not believable.  I will stick to the impression you decided to give me about ********. And that is that they are not a trustworthy business. 
  
  Sincerely,
  
  ******* ********

  

  Business Response

  Date: 05/09/2025

  A letter was sent to ******* ******** on May 8, ********************************************* the complaint. The explanation provided in our previous response letter was reviewed and the Bank stands by its position on the matter as previously discussed. We consider this matter closed. In the interest of protecting our customers confidentiality, we are not posting the contents of the response in this forum.  Thank you for taking the time to bring this matter to our attention.

  Customer Answer

  Date: 05/09/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is not satisfactory to me but further correspondence would be a waste of time. Nothing in their response would make me change my opinion that they are not a trustworthy bank.
  
  Sincerely,
  
  ******* ********

• Initial Complaint

  Date:05/06/2025

  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.

  Canceled credit card on 3/4/2025 and they continue to charge a monthly late fee. I have called 3 times with no results. My balance should be 0. they want with late fees $79.00. 

  

  Business Response

  Date: 05/13/2025

  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 13, 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.