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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

    • 1,407 total complaints in the last 3 years.
    • 461 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:07/18/2025

      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.
      **** opened an account via online with ACH transferring money into the account. After many hours to clear this both with the bank and credit reporting such as Dun & **** street, Transunion, Experian and Equifax. I also contacted the police to file a report to protect myself and the police request a letter from the bank as to the fraud opening of an account and the ******** offered to send a letter mail postal mail. After 14 days that letter has not come to my home and address on file.When I call now, they refuse to help me and offer no help because no one is able to help. They left me on hold with no time frame and then they hung up on me.

      Business Response

      Date: 07/24/2025

      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 July 24, 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:07/18/2025

      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.
      On April 23, 2025, my daughter was in an accident which led to her car being declared a total loss. At that point I began working with their ********************* and my insurance company to pay the loan off in full. *** has been impossible to work with since that time. It was two weeks before I received a call back to start the process. They were slow, another two weeks, to provide the documents my insurance required. A payment was issued to BMO Harris Bank on June 27, 2025. As of today, July 18, the amount has not been applied to my account and the ********************* will not return calls or emails. While I have continued to make payments, they have assessed late fees. At this point it feels fraudulent.

      Business Response

      Date: 07/23/2025

      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 July 23, 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:07/18/2025

      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.
      I had opened a checking account, number ********** with BMO Bank N.A. I deposited initially $30 dollars to open the account. I had set up a direct deposit between my employer and this bank. After I received the direct deposit there seems to have been some issue and the bank refused my direct deposit from my employer, *************************** and the money was eventually returned. Subsequently over the next 3 weeks I tried to access my account which eventually was closed. I called the bank several times and even provided and the bank requested a note from a notary stating who I was, with my driver's license, this is what they called Identity card. My complaint is that my initial deposit of $30 was never returned and if I call the bank their representatives just say that the account was closed. I would like to receive my $30 initial deposit back. 

      Business Response

      Date: 07/24/2025

      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 July 24, 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:07/14/2025

      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 obligated for the debt claimed by *******. There is no contractual agreement between me and *******, and they have not furnished the original agreement as requested.

      Business Response

      Date: 07/16/2025

      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 July 16, 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:07/14/2025

      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.
      Between July 7th and July 10th someone had access to my card using it without my permission they made a substantial number of charges before I caught on the *** Harris banking app doesnt tell you when your card is being used like other apps. I signed up for the alerts even for the texting alerts at random the app will turn them off I have no idea why the banking app is full of glitches. I did a dispute yesterday, but I find it odd that they dont give you access to the money someone stole from you Right away why do I have to wait almost 2 weeks to see if I qualify for provisional credit that's makes absolutely no sense. Banks like ***** and *** give you access right away this is absurd. I'm guessing the bank has low security for hackers because a couple months ago someone got into my banking app and added their phone number thank God, I caught it in enough time. 

      Business Response

      Date: 07/24/2025

      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 July 24, 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:07/10/2025

      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.
      Payroll check held for prenote verification.

      Business Response

      Date: 07/18/2025


      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 July 18, 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:07/10/2025

      Type:Service or Repair 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 just opened a (I believe) smart advantage checking account on Monday 7/7/25 with ***. I was never prompted for a bonus code, but I was asked how much I would be depositing. I informed about 2500 a month. On Thursday I came across an add that stated *** was running a promotion until 9/18/25 for smart advantage checking new accounts, that if $4000 is deposited I would get a $400 bonus. I called the branch on ******************************************************** where I opened my account and was told if I had the code they would add it to my account. I didnt have a code just the offer. So, I called customer service and was told the same thing, that they didnt have a code to give to add to my account. I asked how you can run a promotion without giving out the codes and all the branch or 800# would say is it comes in an email offer. Well, Im no genius, but 2500X3 should be 7500 within a 90-day period and should have triggered this said email that never came. This is false advertisement and basically clearly bait and switch tactic that BMO is doing. Someone needs to look into this, or they need to honor their promotion.

      Business Response

      Date: 07/16/2025

      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 July 16, ********************************************* 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: 07/17/2025

       
      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:07/10/2025

      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.
      I've had a cash back rewards card through *** for years. I've been able to get my cash back through my checking account until all of a sudden, they forced me to open a checking account through them and that's the only way I could get my cash back rewards deposited now. I reluctantly agreed, only on the condition it was a free checking account with no paper statements or monthly fees. They said yes and so I moved over my cash back rewards. Fast forward months later, they snuck in paper statements and began charging me $3 a month. Now the checking account balance is all but emptied and they will not reverse the fees. I asked politely through their channels, and they continued to deny their responsibility. I always only open a checking account if it's free and always never got paper statements. I didn't this time either, but they sent them anyway and started charging me.Please help them correct this unethical behavior. Forcing me to open an account with them because they held my cash back rewards hostage is unethical enough, but to lie to my face and charge me fees for months, inexcusable.  

      Business Response

      Date: 07/16/2025

      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 July 16, 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.

      Customer Answer

      Date: 07/16/2025

       
      Complaint: 23579768

      I am rejecting this response because: How dodgy and unsurprising after such unethical behavior. I'm traveling abroad at this time, I'm not home to collect my mail, which conveniently for you appears to be arriving after BBB will hold this complaint open. Please actually respond via this mediation platform, because I cannot fly home just to check my mail. What an insult after already treating me like garbage.

      Sincerely,

      **** *******

      Business Response

      Date: 07/16/2025

      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: 07/16/2025

       
      Complaint: 23579768

      I am rejecting this response because: clearly they are cowarding away from accepting responsibility for their unethical behavior and lack of communicating like honest adults. They take advantage of their clients by forcing them to open checking accounts through them just to get their cash back rewards, and then scam them by falsely imposing fees that were not agreed to upon opening the checking account. When confronted with this obvious theft and responsibility to return these funds to their rightful owner, they lie and say I agreed to e-statements AND paper statements. Why would anyone do that? I never get paper statements. I never got paper statements through *** for the aforementioned credit card account, why would I agree to them now? This is a scam right from the start by forcing me to have their checking account to get my money. Now they cowardly retreat from communication via this perfectly legal mediation because they know how to use these delay tactics and take advantage of someone who is not able to check their mail on time. Shame on ***. This matter is not resolved and this story will go to the outlets it needs to go to.

      Sincerely,

      **** *******

    • Initial Complaint

      Date:07/08/2025

      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 opened the bank account and deposit $1600. I upload all required ID and documents. Nonetheless I was asking to re submit the *** When I asked to close the account and reimburse me my money I was denied.

      Business Response

      Date: 07/16/2025

      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 July 16, 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:07/07/2025

      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.
      06/27/2025 I deposited a cashier's check, the money still has not been released to me, and if I had known I would have to wait this long, I would have taken the check elsewhere.

      Business Response

      Date: 07/08/2025

      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 July 8, 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.

    BMO Bank N.A. is BBB Accredited.

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