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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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    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:06/16/2025

      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.
      *** obtained our account through buying out Bank of the West, we had an old bankruptcy dated back to 2013.When they obtained our loan they refused use any information to our account even refusing to send us statements for us to make our payments, in 2024 we finally were told we needed to contact their bankruptcy department, so we contacted them and a lady named **** told us she has taken care of this issue and they started sending us our monthly statements and answering our calls and allowing us information over the phone to our account.The 6 months later in September 2024 the same issue came up again, no longer allowing us to access our account due to a bankruptcy in 2013, so I had to call bankruptcy department again at *** and once again (****) said it is fixed and she didn't know why or who kept blocking us from our account.We then were able to access our account again and was still receiving our statements and we were getting closer to paying off the account so we called to get payoff June 7/2025, the lady's name was ***, she sent me a code by email and then to proceed to tell us our 10 day payoff amount and said if we decided we could call her back and make that payment over the phone and then was disconnected, so I call back immediately and get a different person and was told I could not access this account without proof and I explained I just spoke with a lady and she gave me a payoff amount and would like to be connected to her again! But no one would connect me or comment on our account or give me any information again on our account.Monday morning 6/9/2025 I call ***, again we are told we can't access our account, again I explained we are paying off our account and just need to make a final payment and I was told I was not allowed to, I replied for what reasons? I was told they need proof, so I tell them you have my information, account number, SSI number address and phone number, BMO is refusing us access to our acct. Due to a 12 yr old bankruptcy

      Business Response

      Date: 06/26/2025

      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 Doug Walters on June 26, 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:06/15/2025

      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 used to have a secured credit card with ************. I had to deposit $400, and the bank put a hold on my own money in order to give me secured credit card.Before ************ goes out of business, I had a balance of $304. Which i did go to branch and did talk to them.. they told me in order for me to close my credit card, I have to pay the balance down to $0. Than, the credit card department which is a different department, will issue my original $400 deposit back with a check to my mailing address. ( because they said credit deportment is separate department) Now, after about 2 years of bank of west been closed, I havent received my secured deposit of $400 back from them yet. However, the new bank which they said they bought out ************ ( ******** NA ) keeps reporting $405 collections to my credit report every month for past 2.5 years and completely destroyed my credit. I never sign any contract or banking agreements with ******** NA and have no idea how they have my personal information with out my permission.Tried multiple times to talk to them and tell them, about this credit card was secured and my own money. I even paid it offI lost my $400 deposit + negative report to credit bureau for 2.5 years (my credit score at least -100 point down) + negative impact to my life . Now they want $405 more again ( my original balance which I paid off was about $290)

      Business Response

      Date: 06/22/2025

      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 to the customer was placed in the mail on June 20, 2025, addressing their concerns. Please allow time for mail delivery.  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.

    • Initial Complaint

      Date:06/14/2025

      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.
      6/14 is the LATEST of YEARS of issues of 60 min holds, often followed by immediate disconnects, agents incompetent to the max, and who give different answers (I describe them below).Monetary compensation for years of damage to ****** & my emotional & physical health.Failing to trim tree branches that have **** lines entangled in the branches & branches in contact with the roof.

      Business Response

      Date: 06/23/2025

      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 William Olic on June 23, 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:06/13/2025

      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.
      All of my interactions with this bank have only underscored my original complaint. In response to my letter in April, I received a letter insisting that I did not tell the agent to cancel my card (it would have helped if he had spoken English) and that I owed them $200 some dollars. I responded that they had gotten all they were going to get out of me, and still, after two months, I receive a phone call and/or an email about this bill. To add insult to injury, when I made the mistake of answering the call, it was a recording. Please have them stop this harassment. At this point it is simply SPAM. And it is disgusting.

      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 Mary
      Hoyer 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.

    • Initial Complaint

      Date:06/13/2025

      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.
      To Whom it may concern,I am writing to express my deep concern regarding several unauthorized account with BMOHARRISBK Account number: ************ Account balance: $4,892.00 , which I have been unable to resolve directly with them. I have discovered that accounts have been opened in my name without my knowledge, consent, or authorization. This fraudulent activity is not only a violation of my privacy, but it has also caused significant distress. I expect immediate action to rectify this issue. I am requesting that the Better Business Bureau assist in removing this account from my credit reports.I have attached copies of relevant documents, including my driver's license proof of address, copy of my social security card a cover letter and the my credit report, to support my case.I kindly ask for your assistance in facilitating a resolution to this matter. Please let me know if you require any further details or documentation.Thank you for your attention to this complaint. I look forward to your response and to a prompt resolution.

      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 customers inquiry. A letter to the customer was placed in the mail on June 27, 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:06/12/2025

      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 a credit card with BMO bank N.A. P.O. *******************************************************************. I made a overpayment of $2,413. to my credit card by accident. My intention was to pay the balance owing. I made the payment May 9, 2025. I have had no assistance with *** returning my overpayment. I keep getting representative after representative by phone, telling me a different sorry from the last rep. ** June ******, I was told to submit a Declaration of loss affidavit, notarized, which I did on that day, swearing I never received any payment. Now I'm being told that an investigation must take place, thus meaning, I won't receive my money for at least another 30 days. This is unacceptable, and what's criminal is BMO, is stating I must pay an interest payment of $103, due to their mishap. Please help, I need my money. I'm a disabled senior citizen.

      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 to the customer was placed in the mail on June 27, 2025, addressing their concerns. Please allow time for mail delivery. 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.

    • Initial Complaint

      Date:06/11/2025

      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 am not liable for this debt with charter communications, I do not have a contract with Southwest Credit Systems,LP, they did not provide me with the original contract as i requested

      Business Response

      Date: 06/13/2025

      After a thorough search, the Bank is unable to locate an account for you based on the information provided in the complaint. We will be happy to investigate the complaint and respond accordingly if additional information, such as an account/card number, can be provided.

      Thank you again for the opportunity to review and respond to your concerns, and we trust that this addresses the concerns presented in your correspondence. If you should have any questions or would like to discuss this matter further, please contact us at ************.

    • Initial Complaint

      Date:06/11/2025

      Type:Product 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.
      Well BMO puts a hold on a check from Geico. This is not the first time and also is putting my business in financial distress as they often do. This time its different because the check I deposited and they put a ten day hold on was a check form my personal Insurance for a loss that I had happen in my truck. The check was made out to my self and my company ******* as my name with the insured on the check. But ********;decided to mark this as a suspicious check. I am really starting the see that who ever is running this joke of a bank is clearly incompetent, because they are clearly targeting the wrong people. Im sure while letting all the people that are committing fraud and stealing money do exactly that while they focus on the good guys accounts for no reason. 

      Business Response

      Date: 06/17/2025

      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 Nathan Evans on June 17, 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:06/10/2025

      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.
      ******* said:This month, I discovered an auto loan with BMO Harris Bank NA, opened on March 31, 2021, with a balance of $2,669, that I do not recognize or recall authorizing. As this account appears to be fraudulent, I respectfully request that it be reviewed, removed, and blocked from my credit file.

      Business Response

      Date: 06/17/2025

      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 to the customer was placed in the mail on June 17, 2025, addressing their concerns. Please allow time for mail delivery. 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.

    • Initial Complaint

      Date:06/10/2025

      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.
      To Whom It May Concern, I am filing a complaint with BMO Harris Bank because, I applied for a credit card which I was not approved for. I have applied for a credit card a few other times, and I was not approved as well.

      Business Response

      Date: 06/17/2025

      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 Larissa Hinton on June 17, 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.

    BMO Bank N.A. is BBB Accredited.

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