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.

close

Find a Location

BMO Bank N.A. has 969 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  BMO Bank N.A.

  320 S Canal St Chicago, IL 60606

  
• 

  BMO Bank N.A.

  111 W Monroe St Chicago, IL 60603

  
• 

  BMO Bank N.A.

  10 Huntington Lane Wheeling, IL 60090

  
• 

  BMO Bank N.A.

  10 S. Villa Avenue Villa Park, IL 60181

  
• 

  BMO Bank N.A.

  1000 N. Lake Shore Drive Chicago, IL 60611

  

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:05/01/2025

  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.

  On April 18th I went to open a new account. Once the account was open the *** told me that my deposit would be available next business day. That did not happen. I called the location 7 times with no answer. I chatted with several bankers given different dates. Mind you I never received an email, piece of mail I received a notification in my BMO app on the 29th the day before it supposed to be released. **** today is May 1, 2025 my money still on hold. Mind you it was a check from the ****************************** with the certified paper work from the court. So today is May 1, 2025 and still no money.

  

  Business Response

  Date: 05/05/2025

  We have reviewed the concerns and the customer issue has been resolved.

• Initial Complaint

  Date:04/30/2025

  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 signed up for a banking account bank in February. I never received a debit card. I reached out via chat and spoke with ********* back on March 19. She said I would receive a replacement within 1-2 business days. I never received it. I contacted them again today. Apparently ********* lied and never put in the request. I reached out via chat and the agent told me I needed to call. The agent on the phone did not want to put me through to a supervisor (putting me on hold multiple times, asking repeatedly as if he didn't know the issue, etc.) but eventually was transferred to someone the resolutions department named ***** with her beeping fire alarm during the ENTIRE call. These are the people who represent ***. She refused to help, telling me I would need to wait 2 MORE WEEKS for a debit card! She said there was no record of a conversation with *********. The case # for an actual supervisor callback that I was given is F02956515.I have attached screenshots of the chat with ********* and BMO.

  

  Business Response

  Date: 05/06/2025

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. An email was sent to ****** ******* on May 6, 2025, 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:04/29/2025

  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.

  April 2024 contacted ****** vice president of *** he said insurance adjuster was going to call me its been over 9 days still haven't heard from no adjuster. i have damages to my car from BMO bank ******************* ******** parking lot is full of pots holes for the last year, told them to fix it, its damaging my car, still haven't fixed parking lot or no insurance adjustor calling me?? but now i got over $4600 worth of damages to all my car 2struts, 2shocks, 4tires, 1 wheel bearing assembly, and 4rotors/brakes. no adjustor called me and its been 9 days, nothing from adjustor, and ****** says he can't give me their number to call them. i have healthy conditions that i have to go to doctors and therapy daily and since i don't have a car for the last 2 weeks, i can't see doctors or therapy for my major health problems so this is becoming to be a health concern since i don't have my car fixed or no adjuster called me when i sent the vice president the estimates and he said he can't pay me out for the damages. I'm getting upset. no insurance adjuster call or nothing. i need paid asap $4600 for car damages.

  

  Business Response

  Date: 05/07/2025

  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 7, ********************************************* 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: 05/07/2025

   
  Complaint: 23266632
  
  I am rejecting this response because: i never got no letter in the mail from ******** or the insurance company. i got a response by email from ****** from the bank they are forwarding to get this accomplished but still been a month and have got no calls from the bank or the insurance compay about gettting a check for the dmages o my car that is unsafe to drive from pot holes in the banks parking lot that. i need a call from ****** ******* the president of the company that they are giving me a check in person or deposited the damages in my bank account so i can get my car fixed asap.

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

  

  Business Response

  Date: 05/09/2025

  A letter was sent to ****** ****** on May 7, ********************************************* the complaint. We ask that the customer allow sufficient time for mail delivery. 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: 05/10/2025

   
  Complaint: 23266632
  
  I am rejecting this response because:
  
  Sincerely,
  
  ****** ******

• Initial Complaint

  Date:04/29/2025

  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.

  April 2025 I open personal checking account online the froze my account no reason I gave them all of id verification when I open I put money in their $270 they won't let me have until go to the branch can't do it because of home bound medical issues. Requested to have my own money back to pay bill they said no. 

  

  Business Response

  Date: 05/02/2025

  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 1, 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:04/29/2025

  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.

  On April 28, 2025 I called *** bank to inquire as to why my credit card from them was being rejected. I was told that due to business decisions they had decided to cancel my credit card, and it had nothing to do with my use of the card. I have paid on time and never have had a late payment. I was referred to their ****************** to receive my existing rewards. *** ****************** said they were sorry, but they were keeping my rewards because I only had $7.84 and did not have the required $15 to request it. I want them to take my earned $7.84 off my present bill of $19.35 so I can pay off my bill and be done with this company. *** did not inform me that they were cancelling my card. They cancelled my card for no reason other than a business decision. I found out at the *********** my card had been cancelled. If this had been my only means of payment I would have been in trouble.

  

  Business Response

  Date: 04/29/2025

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A letter to the customer was placed in the mail on April 29, 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: 05/06/2025

   
  Complaint: 23263461
  
  I am rejecting this response because: You did not even address the complaint.  You admit and I quote, "the closure isn't a reflection of your standing as a customer or your credit rating"  You then say "The rewards you have accumulated on your card can be redeemed through July 7, 2025, in accordance with our rewards program rules."  As, I stated in my complaint I am not able to followed your rewards program rules as you cancelled my card before I reached your minimum of $15 redemption amount.  As you canceled my card I consider it totally dishonest for you to keep my earned rewards regardless of the amount and your program rules.  As I have read BMO's reviews online it is obvious you are struggling with customer  satisfaction.  If you are cancelling thousands of cards and keeping their rewards the total amount could be in the one hundred thousand dollar range or higher.  Sounds like a strategy to defraud customers.  
  
  Sincerely,
  
  **** *********

  

  Business Response

  Date: 05/09/2025

  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: 05/16/2025

   
  Complaint: 23263461
  
  I am rejecting this response because: I do not accept a business holding on to earned rewards.  By looking online, I can see that *** has very poor customer reviews from numerous customers review sites.  I have added my review to those sites.  It is clear to me that *** is not concerned regarding their fraudulent behavior. 
  
  Sincerely,
  
  **** *********

• Initial Complaint

  Date:04/28/2025

  Type:Sales and Advertising 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 an checking account at *** on the night of Jan.26 2025. $7500 direct deposit for $500 bonus offer was what I saw at **** website and got prompted to click the application button and apply at **** website. *** is now saying the promo term has now changed to $600 for $10k direct deposit within 90days from account opening which is different from what I signed up for. If what they're saying is that the term what a customer saw and applied for an account at your website has now changed to something different, that would be a material misleading of your promo material at your website as they failed to honor the original offer terms that customer has received and applied the account for. *** owns the promo terms posted at their website, if something is no longer valid, they should have updated it.

  

  Business Response

  Date: 05/05/2025

  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 5, 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:04/25/2025

  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.

  They cancelled my credit card without any notification, when I contacted the business, they could not give me a reason as to why this was done, as I make my payments on time.

  

  Business Response

  Date: 04/28/2025

  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 April 28, 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:04/24/2025

  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 military station in ***** and my ex spouse and I have a boat loan from *** when we were married. In the court order divorce decree, my spouse was awarded the boat and I was to remove my name within 30 days. I've attempt 6 times with 4 different offices to get my name removed. All personnel I've talked too have said that I can visit a local branch with my ex or have her refinance the loan. With me being in ***** this is unreasonable and my ex is that for a reason, she is unwilling to refinance. I've also sent in a copy of my divorce decree to Consumer Finance for this request with a letter on March 25th and nothing was done with this request. Now the loan payment is late and will affect my credit. The last *** I spoke with said that my lawyer can send in legal paperwork to have me removed but when I said I have the same legal paperwork they said it won't work if I said it in. This is unreasonable and terrible customer service for someone that is trying to do the right thing as order by the court.

  

  Business Response

  Date: 05/20/2025

  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 20, 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: 05/20/2025

   
  Complaint: 23246949
  
  I am rejecting this response because: Mail to APO addresses can take 1-2 weeks for delivery. Since a letter was posted yesterday, I would like to keep this open until referenced letter is received and reviewed from the company. It is my goal to reach resolution with *** in the most proper way possible and abide by state court requirements.
  
  Sincerely,
  
  ******* ******

  

  Business Response

  Date: 05/28/2025

  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:04/24/2025

  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 just Mobile deposited my check into my bmp Harris account on April ******* so my check approved and I will receive the money April 29 2025 just got the phone with a representative at 7:00 am April 24 2025 the lady my check was on hold onto April 28 2025 so she said it will be cleared April 29 2025 so I go back to try to log back into my BMO Harris account and its saying I cant access the account so I call customer service and they told me that the check alerted fraud and my check is not fraud the check for business with ******* m ****** now BMO Harris got my account as frozen where I cant get into my account and my money is in that they saying I have to wait to ***** days for review. 

  

  Business Response

  Date: 04/30/2025

  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 April 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:04/24/2025

  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 been in contact with *** through the branch and over the ******** credit cards and other account got compromised. There were a bunch of fraudulent payments ACH payments made I have hired an attorney. I have put fraud alert on my credit reports I have filed *** reports I went to the *** branch IN PERSON AND PUT A HOLD ON THIS ACCOUNT AND MADE IT Credits ONLY SO WHEN WE FILE THE CLAIM AND THE CREDITS COME TO THIS Account WE MOVE IT TO THE NEW ACCOUNT. WHILE I WAS THERE, I PROVIDED A LOT OF DOCUMENTATION TO THE BRANCH MANAGER. I gave her a bunch of *** reports. I gave her my attorney's contact information and a letter from my attorney, indicating that my accounts have been compromised. My identity has been compromised and how they are in contact with the banks as well as the credit card companies to resolve this situation. I reached out to my other bank so far and let them know about the fraudulent ACH transfers and as soon as they open the case, and they asked for documentation, I gave it to them right away, and they put the case in my favor the next day. *** is giving me nothing but problems and I've given them enough proof to make the case go into my favor yet they're trying to still say that I'm responsible for these unauthorized ACH transfers this is completely frustrating to deal with. I'm already dealing with identity theft and now I have to deal with my bank, not helping me out through this situation even though I gave them nothing but valid proof and the following claim numbers they re trying to hold me accountable for EVEN THOUGH | HAVE LETTERS FROM those credit cards/banks even saying the ach transfers where unauthorized. Discover C2025-184531 C2025-184557 C2025-184581 C2025-184591 C2025 ******* C2025-184642 C2025 ******* C2025 - ****** C2025 ******* C2025 - ****** C2025 ******* C2025-184431 C2025 ******* C2025 -184735Nordstrom C2025-184773 FNBO 1st ********* C2025-184801 *********** C2025-184819 Upgrade C2025-184834 AMAZON C2025-184845 *** C2025-202642

  

  Business Response

  Date: 05/05/2025

  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 5, 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.