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Business Profile

Bank

BMO Bank N.A.
BBB accredited business seal
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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BMO Bank N.A. has 969 locations, listed below.

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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:07/28/2022

      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 filed a dispute for fraudulent transactions on my business account with BMO, which they denied. My account number is **********. I am fully aware of my rights as a consumer/customer/client and I am fully aware that I am to be protected by federal law from identity theft and fraudulent activity, once it is reported. BMO Bank is insured by FDIC, which is to protect me as a victim of fraudulent activity. Additionally, BMO website states the following: 100% Security Guarantee We will reimburse you 100% for any losses to your bank accounts from unauthorized transactions,as outlined in our ****************** Services Agreement.I am a business owner, who is a victim of identity theft and fraudulent activity. I am protected by law.BMO is not only breaking the law by not abiding, but continue to demonstrate poor practices and reason why I do not feel protected or supported by them. I chose to give BMO my business because I thought they were a fairly decent bank. That is far from the truth. I continue to have problems with them, as I have a personal account as well. BMO's customer service is extremely poor, they hire unknowledgeable people for low pay, BMO lack quality, empathy and are just all around the board poor. They give their customer's the hardest time with any and every issue! Customer transactions and customer interactions should be seamless and painless, but instead they intentionally make banking with them difficult and stressful. Life already has its everyday hardships. We are still experiencing an epidemic/pandemic and everything is inflated. We deal with personal issues in our everyday lives and BMO insists on voluntarily adding to the pain and agony. I've experience two family deaths in the past couple of months and quite frankly I should not have to deal with such issues as my bank declining a VALID fraudulent dispute. I am a VICTIM! BMO is very disappointing and I do not recommend. BMO is in violation of the law, as I am protected by LAW!

      Business Response

      Date: 08/18/2022

      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 Eyecon Collection LLC on 8/18/2022 addressing the customers concerns.In the interest of protecting our 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:07/28/2022

      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.
      This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.BMOHARRISBK ACCT #: ********** BAL. $11,024.00 Under the Fair Credit Reporting Act, 15 U.S.C. ****g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

      Business Response

      Date: 08/01/2022

      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 to the customer on August 1, ******************************** 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:07/23/2022

      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.
      The bank is charging insufficient funds fees to people of the poor. I have been having issues with the bank for 2 years. The cut off time to add funds to your account is 5pm when other banks is 8pm. Then the charge for overdraft fees are $38 per item when other banks are free. Then they send all your items back unpaid and charge u the $38 per item. I jhave paid out over $800 in fees because if the 5pm cut off time. I tried calling bank 2 weeks and the call time is 2 hours.I heve read the reviews on the bank and alot of people are experiencing the same issues. I will be closing my sccount first thing monday!

      Business Response

      Date: 07/28/2022

      We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A phone call was made to ***************************** on 7/28/2022 addressing the customers concerns.In the interest of protecting our 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:07/22/2022

      Type:Billing 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.
      BMO Harris offered a promotion to get a $300 bonus when opening a Smart Advantage checking account. I opened the account on 08/11/21 and met the requirements. Bonus never posted. Sent many, many emails to banker *********************** and was told the bonus would be posting. The bonus never posted, and he kept promising it was coming but it never did. This bank is acting in an unethical manner.

      Business Response

      Date: 07/25/2022

      We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. Correspondence was sent to ***************************** on 7/25/2022 addressing the customers concerns. In the interest of protecting our customers confidentiality, we are not posting a summary of the correspondence in this forum.  Please let us know if we can assist further regarding this matter.  Thank you for taking the time to bring this matter to our attention.

      Customer Answer

      Date: 07/25/2022

       
      Better Business Bureau:

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

      Sincerely,

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

    • Initial Complaint

      Date:07/18/2022

      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 never recieved my debit *********** want to charge me, i want to close the account and they said i need to pay $50 for closing the account

      Business Response

      Date: 08/01/2022

      We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A call was placed to *********************** on 7/27/2022 addressing the customers concerns.In the interest of protecting our customers confidentiality, we are not posting a summary of the call 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.

    BMO Bank N.A. is BBB Accredited.

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    This business has committed to upholding the BBB Standards for Trust.

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