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Business Profile

Bank

BMO Bank N.A.
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BBB Accredited BusinessA+Rated by BBB

Complaints

This profile includes complaints for BMO Bank N.A.'s headquarters and its corporate-owned locations. To view all corporate locations, see

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    Customer Complaints Summary

    • 1,409 total complaints in the last 3 years.
    • 468 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:06/27/2025

      Type:Customer Service Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Having issues with the bank branch manager not responding and also the branch itself not giving the info needed. And how they're holding money from a check when they have had the money for 3 days. But they have a lot of complaints and discuss materials, like when they're having in-house meetings and need a banker, they make the customer wait till their meeting is done. Like my business doesn't matter. I'm looking for a call today and for this to be fixed. I don't know if I will ever deposit more funds into this bank. Or count on them for my business needs.

      Business Response

      Date: 07/01/2025

      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 July 1, 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:06/25/2025

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      This time I am not let them get away this because I had fill complaint against them before in past no resolve and they had lock me out my own account last month 6-9 months when I fill complaint against them for it this honest they didnt help me this station when they said wrote me letter which lying other because my aunt said she never received any of letter from *** bank I want answers by email no call or back forwarded I am get angry because I basic deal with their company service last time they were told me they cant unlock my account and I go to bank for undone and I like get my $25 out of my account since they locked me out and want full apology for their actions last time they ignored me my request I want them email me about this with proof document why my account is locked out no sent my aunt account this time.

      Business Response

      Date: 06/27/2025

      We are in
      receipt of the complaint for the above referenced customer and we welcome the
      opportunity to respond to the customer’s inquiry. A letter was sent to Nanika Sissoko on June 27, 2025 addressing the
      concerns brought forth in the complaint.  In the interest of protecting our customer’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: 06/27/2025

       

      Complaint: 23519263



      I am rejecting this response because: I want open communication with them on my email one for sure and second they still didn’t sent my letter to my aunt house so I had no ieda 

       

      can please have them email me about this 




       

       

      Sincerely,



      Nanika Sissoko

      Business Response

      Date: 06/30/2025

      A letter was sent to Nanika
      Sissoko on June 27, 2025 addressing the concerns brought forth in 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 customer’s 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: 06/30/2025

       

      Complaint: 23519263



      I am rejecting this response because:


      I have spoke to BMO agent and they are aware this whole situation since they didn’t listen my complaint all and if they try close case I will fill complaint against them with bank manager that since they refused help me 

       

       



      Sincerely,



      Nanika Sissoko

    • Initial Complaint

      Date:06/25/2025

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Since opening my account with *** my account has been flagged for fraud multiple times causing me to call in, multiple times on certain days, long unnecessary holds put in my deposits and overall horrible experience with them. I initiated a "chat" for assistance to close my account and they responded that I had call in. I called in and they refused to close my account after I fully verified. The lady said there was a "staggered note" on my account that prevented her from closing it due to fraud. I asked for a manager and she transferred me to an "account resolution specialist" named ********************** ID ****** in ********************. She was very rude and unhelpful, she wouldn't tell me what "flag" was on my account or give me any information as to why they wouldn't close my account. I am being discriminated against by *** since opening my account and cant understand why. I have a new account with ***** Fargo performing all the same transactions I have with BMO without a single issue or problem. I have explained my issues with *** to the branch manager at **************** and she has advised these are all unprofessional and unreasonable efforts by ***. I want my account closed and compensation for all my wasted time. I get paid $65 an hour and have wasted at least 12 hours in the past three months. A check for $780.00 will properly compensate me for my time. 

      Business Response

      Date: 06/27/2025

      We are in
      receipt of the complaint for the above referenced customer and we welcome the
      opportunity to respond to the customer’s inquiry. A letter was sent to Steven
      McCarty on June 27, 2025 addressing the concerns brought forth in the
      complaint.  In the interest of protecting
      our customer’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: 06/27/2025

       

      Complaint: 23517101



      I am rejecting this response because:

      They mailed me a letter.  They could have called...guess I will have to wait for the letter to arrive. 




      Sincerely,



      Steven Mccarty

      Business Response

      Date: 06/27/2025

      A letter was sent to Steven
      McCarty on June 27, 2025 addressing the concerns brought forth in the
      complaint. Our stance remains unchanged, and we ask that the customer allow
      sufficient time for mail delivery. We
      consider this matter closed. In the
      interest of protecting our customer’s 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: 07/01/2025

       

      Complaint: 23517101



      I am rejecting this response because:  Although it addresses the horrible customer support I recieved and the lack of support, it does not address the initial problem.  No one would help me because they said my account was flagged for fraud and there was a "staggard note" that says they cannot help me.  Your letter states you were unable to verify me and that is false, I was able to verify myself as I have everytime I had to call and that was often over the short time I had this account open.  I was clearly flagged for some type of obserd fraud which led to my card constantly being declined, checks being held and forcing me into a branch for assistance.  You rejected my request for compensation which I assumed you would but leaves me with a letter that aplologises for bad customer support but no explination why I was discriminated against.  Your "solution" is rejected and BMO deserves this black mark on their BBB record so other potential consumers know how you do buisness.



      Sincerely,



      Steven Mccarty

    • Initial Complaint

      Date:06/24/2025

      Type:Customer Service Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I have an auto loan with them and need to change my wifes name on the title so that it will show up correctly on the annual State registration for the vehicle. The *** representative said that can only be done if I refinance the loan. Thats not an appropriate action since it would raise the payments.*** had other loans with other institutions that simply changed the name on other titles.

      Business Response

      Date: 06/27/2025

      We are in
      receipt of the complaint for the above referenced customer and we welcome the
      opportunity to respond to the customer’s inquiry. A letter was sent to Jeffrey Gorball on June 27, 2025 addressing the
      concerns brought forth in the complaint.  In the interest of protecting our customer’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: 06/27/2025

       

      Complaint: 23511858



      I am rejecting this response because: their response simply said they sent me a letter today. Since I don’t know the content of their response it would be impossible for me to judge satisfaction or not until I have received and read their letter.



      Sincerely,



      Jeff Gorball

      Business Response

      Date: 06/30/2025

      A letter was sent to Jeffrey
      Gorball on June 27, 2025 addressing the concerns brought forth in 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 customer’s 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: 07/01/2025

       

      Complaint: 23511858



      I am rejecting this response because: As I originally stated, Until such time as I receive the letter indicated in the response, I cannot at this time judge the response. Since I must provide a response to BBB about this matter now, before I have received the letter, it is impossible to accept and close this matter at this time



      Sincerely,



      Jeff Gorball

    • Initial Complaint

      Date:06/23/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      ******** incorrectly applied my RV payment and referred me to their internal collections team who has been calling to harass me ever since even though they can clearly see that the issue has been resolved on their end.

      Business Response

      Date: 06/25/2025

      We are in receipt of the complaint
      for the above referenced customer. We welcome the opportunity to respond to the
      customer’s inquiry. An email was sent to Andrew Baldwin on June 25, 2025, addressing
      their concerns. In the interest of protecting the customer’s confidentiality, we
      are not posting a summary of the correspondence in this forum. Please let us
      know if we can assist further regarding this matter. Thank you for taking
      the time to bring this matter to our attention.

    • Initial Complaint

      Date:06/20/2025

      Type:Sales and Advertising Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I have been banking with BMO Alto with a savings ******* and made an error trying to withdraw all of the balance in April back into my ***** ******* as I wanted to put the money into a higher APY *******. I tried to send it to the ***** ******* linked, which happened to be an old savings ******* that had been closed since February. I made an error and tried to send it back. This resulted in my balance displaying double the amount for a few days and being brought back to the original principal amount. I thought this resolved the issue and proceeded to link my current checking ******* to the *** Alto ******* and tried to withdraw the amount once again. On April 9th, 2025, I received an email from *** stating that the fund transfer of $12073.80 has failed and that there has been a fraud investigation opened on my *******. I sent an email to the fraud department with the necessary documentation on April 10th, 2025 and have been left without any communication. I then tried to contact customer service, having no help from either customer service representatives or the fraud department. On June 6th, 2025 I received an additional email about my ******* stating that my savings ******* has been updated on the 6th. Additionally, I received an additional email on June 9th, 2025, stating that the transfer amount of $12155.25 had been transferred to an ******* linked with the *** Alto *******. I have not received this money and have again contacted customer service and the fraud department June 20th as well as the week before. They then stated again, I needed to inquire through email and have not resolved this issue after a few months. Again, on June 9th 2025, an email stating that my savings ******* has been closed was sent to me.

      Business Response

      Date: 07/01/2025

      We are in
      receipt of the complaint for the above referenced customer and we welcome the
      opportunity to respond to the customer’s inquiry. A letter was sent to Alexys
      Abraham on July 1, 2025 addressing the concerns brought forth in the complaint.
       In the interest of protecting our
      customer’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: 07/02/2025

       

      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID 23499559, and find that this resolution is satisfactory to me. 



      Sincerely,



      Alexys Abraham

    • Initial Complaint

      Date:06/20/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I believe this account has been assigned to me in error, as I am not liable for the debt in question.I have no contractual obligation with BMOHARRISBK and have never received any documentation to substantiate the validity of this debt, despite my formal requests for verification. I specifically asked to review the original application or contract related to this alleged debt. Since BMOHARRISBK has been unable to provide this documentation, I assert that the debt is not mine and should not be associated with my records.I kindly request the removal of this erroneous collection from my account and an acknowledgment of this resolution in writing. Thank you for your attention to this matter.

      Business Response

      Date: 06/27/2025

      We are in receipt of the complaint
      for the above referenced customer. We welcome the opportunity to respond to the
      customer’s inquiry. A letter was sent to Lateesha Robinson on June 27, 2025, addressing
      their concerns. Please allow 7-10 days to receive the letter. In the interest
      of protecting the customer’s confidentiality, we are not posting a summary of the
      correspondence in this forum. Please let us know if we can assist further
      regarding this matter. Thank you for taking the time to bring this matter
      to our attention.

    • Initial Complaint

      Date:06/18/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      A loan account from GS Loan Service/BMO Harris is showing in my credit history with a large balance. I have no knowledge of this account and did not authorize it. This is fraudulent and must be deleted.

      Business Response

      Date: 06/30/2025

      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 sent to **** ******* ********* on June *******, addressing their concerns. Please allow 7-10 days to receive the letter. In the interest of protecting the customers confidentiality, we are not posting a summary of the correspondence in this forum. Please let us know if we can assist further regarding this matter. Thank you for taking the time to bring this matter to our attention.

    • Initial Complaint

      Date:06/17/2025

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am unable to access my account digitally. They are unable to help me fix this. Their bank bought out the bank that held my loan. The information they have is not matching up with my information.

      Business Response

      Date: 06/20/2025

      We are in receipt of the complaint
      for the above referenced customer. We welcome the opportunity to respond to the
      customer’s inquiry. A letter was mailed to Cheri Gebhart on June 20, 2025, addressing
      their concerns. Please allow 7-10 days to receive the letter. In the interest
      of protecting the customer’s confidentiality, we are not posting a summary of the
      correspondence in this forum. Please let us know if we can assist further
      regarding this matter. Thank you for taking the time to bring this matter
      to our attention.

    • Initial Complaint

      Date:06/16/2025

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I have contacted ********;multiple times regarding my concern. Attached is my next due payment indicating *** paid interest out til *********************************************************************************************************************************************** adv. *** asked my payments get reapplied so that Im not pay interest in the extra amount *** already paid. Last I talked to a *** was over a month ago he made it sound like he would get it resolved. But nothing still has changed. Im sick of calling over and over on this. I want a copy of my full payment history sent to me because my account is obviously messed up in every way and sitting on the phone waiting to talk to someone over and over just for nothing to be done is over, 

      Business Response

      Date: 06/30/2025

      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 30, ********************************************* 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.

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