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:12/07/2025

  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.

  REMOVEDcontinues to REMOVEDand REMOVEDup. My account is again locked and when trying to use BMOs password reset tool I receive the following error message:"500 Internal Server Error Hmm. Something isn't right.We'll get it all fixed up, so check back soon.Error code: DBEA - CRE_CC Display code: ERR-JKV75RT"BMO has previously charged me late fees and reported me as missing payments due to this and then in response to my last complaint denied that such an issue exists. This bank is a piece of sREMOVEDwith predatory practices and junk fees and obviously has no problem lying directly as well.

  

  Business Response

  Date: 12/16/2025

  We are in receipt of the complaint for the above-mentioned customer. We welcome the opportunity to respond to the customers inquiry. A letter was sent to REMOVEDon December 16, 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.
  

  Customer Answer

  Date: 12/16/2025

  Complaint: 24239926
  
  I am rejecting this response because:
  

  Because BMO is a low tier bank with poor customer service and their consistent failings in aspects of technology, customer appreciation, and inability to even adequately address this complaint has sworn me off from using a services associated with them entirely. I've utilized social media to make others aware of this issue and BMOs failing and will continue to spread awareness of their inefficiency and inadequacy where possible.

  Their mailed letter is not a sufficient response and is just another form of BMO covering up their failings because they are so severe that they're otherwise unable to save face.

  To sum it up in few words if you're reading this, BMO REMOVED, their website is barely functional, and their customer service will actively get indignant with you over their own company's failings. Don't bank there.

  Sincerely,
  
  REMOVED

  

  Business Response

  Date: 12/17/2025

  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: 12/17/2025

  Complaint: 24239926
  
  I am rejecting this response because: As I stated in previous reply this bank is garbage for many reasons including but not limited to their technology failings and their sREMOVEDcustomer service. They replied they consider this matter closed, as do I because I will not be using any of their services in the future. Only warning people about the experience they're likely to get with this bank. 
  
  Sincerely,
  
  REMOVED

• Initial Complaint

  Date:12/04/2025

  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 have called 3 times to request to be removed from REMOVED's physical mailing list, but I continue to receive solicitations in the mail.I have called on:2/7/24 5/16/24 (spoke to member of the privacy group)8/12/25 (had the address read back to me to confirm)Each call is a hassle. REMOVEDneeds to remove me from their mailing list and needs to make it easier for people to get off of it. There is no reason someone should need to waste their time like this to avoid their mailbox being filled with junk.

  

  Business Response

  Date: 12/08/2025

  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 December 8, 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:12/04/2025

  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.

  Vehicle Loan was paid off by a third-party which caused an excessive overage of approximately $1300. I was supposed to get a refund check, but the check was never received. I already called and was told they would send me an email to verify the check was never cashed so they could do a stop payment. I never received that e-mail. It is well beyond the 10-day business day requirement to wait. I do not want to call them again. Because it is paid off, REMOVEDclosed the account and so I can't login and use live chat or even get the exact amount owed. 

  

  Business Response

  Date: 12/09/2025

  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 December 9, 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:12/02/2025

  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 began banking with BMO Harris several years ago. I opened up a credit card with a 0% balance promotion. Several months later I received a balance transfer promotion. I have consistently paid my balance but recently found out that when BMO Harris offered the balance transfer it was a trick, they devised to trap me with interest. Despite being told that my payments would continue to go to my original promotional balance I discovered they were putting my payments to the balance transfer promotion to ensure that my 0% balance would not be paid off before the promotion ended. I spoke with Rocky (REMOVED) who refused to transfer me to a supervisor and refused to resolve the issue. As such I will be moving my banking elsewhere!

  

  Business Response

  Date: 12/11/2025

  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 REMOVEDon December 11, 2025, addressing the concerns brought forth in 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: 12/16/2025

  Complaint: 24220334
  
  I am rejecting this response because: I have not received a letter. Additionally, to resolve the issue in a quicker manner the business could have contacted me by phone. 

  Sincerely,
  
  REMOVED

  

  Business Response

  Date: 12/17/2025

  A letter was sent to REMOVEDon December 11, 2025, addressing the concerns brought forth in 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 ask that the customer allow sufficient time for mail delivery. We consider this matter closed. In the interest of protecting our customers confidentiality, we are not posting the contents of the responses 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: 12/17/2025

  Complaint: 24220334
  
  I am rejecting this response because:

  The response is a clear indicator that BMO Harris does not value their customers. I have opened a credit card elsewhere and will be transferring my balances as well as closing out my bank accounts. I will no longer be a BMO Harris customer. I have given more than enough chances for this situation to be rectified and since REMOVEDhas made it clear I am not valued I will make sure I take my accounts elsewhere. I sincerely hope REMOVEDrepresentatives have the day they deserve. 
  
  Sincerely,
  
  REMOVED

• Initial Complaint

  Date:12/02/2025

  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 sent a Zelle payment on 12/1/2025 and immediately received a notification that they payment did not go through however when checking my account balance the next day the payment was removed from my account and not received by the recipient. Upon calling REMOVEDI was told this is a known issue that they are working on resolving. I asked if they had sent out information notifying customers of the issue and initially the person on the phone said they had not which is extremely concerning. If you have a known issue where money is being removed from customer accounts and not going to the intended recipient customers should be notified immediately to stop using REMOVED. I asked if they planned on notifying customers and no concrete plans were given. I asked if I would be notified when I can use it again and they said that I would have to call. That is a huge pain and I'm sure that there are many other customers facing the same issue.

  

  Business Response

  Date: 12/10/2025

  We are in receipt of the complaint for the above-mentioned customer. We welcome the opportunity to respond to the customers inquiry. A letter was sent to REMOVEDon December 10, 2025, addressing their REMOVEDthe 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:12/02/2025

  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.

  I had 3 Zelle payments canceled. REMOVEDtook two of the payments after saying they had been failed attempts and the money would go back into the account. The money is now opposed transaction, and they wont give me my money back. I have pictures and photo proof of everything. This bank does everything they can to make life as hard as possible. When I go to withdraw money out of my account, they asked me why Im trying money out of my account what Im doing with my money. Theyre extremely overstepping their boundaries. And they keep getting away with murder. This place shouldnt be allowed to do what theyre doing. Theyre putting me in a really bad position. I had to borrow money to cover the money in the account, so I didnt write bad checks or bounce anything or have any overdraft fees. I want my money back. I want somebody to say theyre sorry and admit what they did was wrong!!! 

  

  Business Response

  Date: 12/03/2025

  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 December 3, 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: 12/04/2025

  Complaint: 24215734

  I am rejecting this response because: this is crazy. They do whatever they want with peoples money.
  
  Sincerely,
  
  REMOVED

  

  Business Response

  Date: 12/05/2025

  The Bank mailed a letter responding to the complaint received on December 3, 2025. The Bank has reviewed this rejection and determined that there are no new facts or information provided; therefore, the Bank stands by its position and our response to your original complaint. The Bank now considers your complaint to be closed.

• Initial Complaint

  Date:11/29/2025

  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 deposited $5,000 dollars into BMO 11/21/2025. And got a text 10 minutes later saying funds on hold. Check drawn on REMOVEDpersonal account with a balance over $20,000, customer for 32 years.Asked to have the deposit cancelled. REMOVEDsaid no already in process. Hold period is 7 business days. Money was taken from my REMOVEDaccount next business day. This is at a minimum unethical.Criteria for hold not available after talking with the REMOVEDSeek immediate deposit of money and a written criteria list for which deposit will go into REMOVEDlimbo. If this is a serial bank offender, I hope the State of Oregon has our back. Really just BAD business practice. REMOVEDwho gets the float on all these seized money(ies).Thank you. 

  

  Business Response

  Date: 12/08/2025

  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 December 8, 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:11/28/2025

  Type:Service or Repair 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.

  I called the REMOVEDcontact number to inquire about a mailer with a promo code for a cash bonus for a new checking account. The person on the phone said everything was applied and was eligible, and I called and verified again after steps were completed. Now, I called, got hung up on 3 times and they said if I read the terms, I would know an account being closed would cause me to not receive the bonus. I understand this but I checked and everything was good. That account was opened in error and immediately closed without being used. I thought the calls verified I was still eligible. We have been using the account and politely ask that we can still receive the bonus so we can continue using the account. Please consider helping us out with an honest mistake. The manager at the branch said to escalate to the promotions department, and the phone and chat said they will get back to me through secure message, but I have not had any luck yet. I have spent a lot of time on the phone and have exceeded the criteria for the bonus. Thank you for your time. 

  

  Business Response

  Date: 12/04/2025

  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 REMOVEDon December 4, 2025, addressing the concerns brought forth in 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: 12/08/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID REMOVEDand find that this resolution is satisfactory to me.
  

  Quick and courteous customer service, I am impressed. Thanks for your follow-up and follow-through. 

  Sincerely,
  
  REMOVEDEgner 

• Initial Complaint

  Date:11/25/2025

  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.

  Made an appointment to add my son to a business account which is required by the insurance companies he does business with the appointment was made for 2pm 11-25-2025 and we arrived on time for the appointment. The business manager is also the branch manager is what I am told, and she was in a closed-door meeting. We waited one hour beyond are meeting time which was scheduled upfront BMO Scottsdale 116th REMOVED, REMOVEDWe ended up leaving the location after we were told she would be another 30 minutes which took are meeting time to 3:30pm. This is not the first time that there's either no one answering the phone, no follow-up on business questions after the fact of someone telling me they would get back to me first part of the following week. I have six account with this branch and have been a customer for close to 30 years I am now going to move all six of my REMOVEDaccount to REMOVEDunderstanding they seem to not take their job seriously and people are just hanging around the branch and not know how to provide a simple business letter to day my son has signature rights on the account.

  

  Business Response

  Date: 11/28/2025

  We are in receipt of the complaint for the above-mentioned customer. We welcome the opportunity to respond to the customers inquiry. A call was placed with REMOVEDon November 26, 2025, addressing their concerns. In the interest of protecting the customers confidentiality, we are not posting a summary of the conversation 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: 12/01/2025

  Complaint: 24194939
  
  I am rejecting this response because: I received a call from the branch manager and provided my emails address, so she could coordinate a meeting. She never responded with her email address and available time .......so no follow-up.  I'm pretty much done at this point and moving all five accounts to REMOVED 
  
  Sincerely,
  
  REMOVED

  

  Business Response

  Date: 12/08/2025

  We are in receipt of the rebuttal for the complaint for the above referenced customer and welcome the opportunity to respond to the customers inquiry. A call was placed to REMOVEDon December 5, 2025, addressing their concerns. In the interest of protecting our customersconfidentiality, we are not posting a summary of the outreach in this forum.BMO Bank N.A. considers this matter closed. Thank you for taking the time to bring this matter to our attention. 

• Initial Complaint

  Date:11/25/2025

  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.

  Overpaid my Boat Loan pay off October 22, 2025, my Refund on the Overpayment is $70.60. I have called and email more than 6 times and have been told that I am due the Refund and the check is in the Mail but I have Never received the Refund.I have included 3 pictures showing that my Lien was satisfied on the boat and the 2 Motors plus a screen shot of the Overpayment of $70.60.

  

  Business Response

  Date: 12/09/2025

  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 customer on REMOVED, addressing their concerns. Please allow 7-10 days to receive the letter sent via REMOVED.