Complaints
This profile includes complaints for BMO Bank N.A.'s headquarters and its corporate-owned locations. To view all corporate locations, see
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 ComplaintThe 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:05/02/2025
Type: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.
My mother passed away May 14 2024. My father has *******************. He passed away June 13 2024. My brother has *******************. He lived with my parents his entire life. He passed away September 27 2024. I lost my entire family in a matter of a few months. My parents were lifetime members ************************************************ parents had a trust account; checking, ********************** & CD. The bank said they could not add me to the trust account. I am the ************************. They closed the trust account & opened a new trust account with the names listed exactly the same. CD matured a month earlier & rolled over into a new term. Told they could not close CD or would have to pay penalties. Its a CD not an ***. I asked *** ****** for monthly statements from parents accounts so I could file their taxes. Request was ignored. Requested again via email on July 31 2024 & was told to call customer service.A deposit into old account opened it back up. The account then paid out an automatic payment. I reported this. No payments should have been made from that account. *** started charging me a monthly service fee. I called and complained. Every month thereafter I called and complained re $25 fee. Was told I need to go into the local branch & take care of it. The bank is over 1700 miles from me. I CANNOT GO TO THE ***** BRANCH. I already did that. They gave misinformation about CD that could have been closed. **************** told me that the account was not closed properly. I called July 31 Aug 2 Aug 5 twice Sept 20 Oct 2 twice Oct 22 Nov 19 twice. Finally found *** branch in ******* OK 2 hours away. Went there April 3rd & May 1 2025. On the first trip, ordered parents monthly statements. Received statements 9 months after my initial request. Took 5 minutes to place the order.*** would not provide me access to my parents old account so I do not know how many consecutive months they STOLE $25.00 Audit accounts Figure how much was stolen & return that money.
Business Response
Date: 05/14/2025
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 May 14, 2025, 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.Customer Answer
Date: 05/22/2025
Better Business Bureau:
I am satisfied with the response provided by the business.Sincerely,
****** ******Initial Complaint
Date:05/01/2025
Type: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.
Ive been a customer at *** since 8/21/2024. *** emailed me an offer in October 2024 stating that if I met to discuss financial goals with a *** banking ***resentative by October 31, 2024 I would receive a $100 gift card to either Best Buy or **********I went to the *** at ************************************ on 10/16/2024 and met with a ***resentative. Following this I contacted *** in November to see when Id receive the gift card and they said to wait 60 days from the end of October so I waited until after January 1, 2025. No gift card.I gave it more time and called February 14, 2025 at which time I was told a ticket would be submitted to service my request and I would hear back within 3 business days; I never heard back.About a week ago I emailed *** through my online banking to ask the status and never heard back. This morning I tried logging in to see if there was a ***ly I had not been emailed about and it did not recognize my username or password so I called and customer service said my account had been deactivated. I was transferred 3 times and re-explained my situation to each ***resentative. Every one of them said they couldnt help and no one had answers. I had heard nothing about my account being at risk of closure and I have no idea why it was closed and then no *** *** could assist me or give ANY answers because they could not find a profile.This is completely unprofessional and probably illegal. At a MINIMUM, *** needs to honor their promotion and send me a $100 ********* gift card which they PROMISED and which is LONG OVERDUE along with reactivating my account.Business Response
Date: 05/07/2025
We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customers inquiry. An email was sent on May 5, 2025, addressing the concerns brought up 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.Initial Complaint
Date:05/01/2025
Type: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.
On April 18th I went to open a new account. Once the account was open the *** told me that my deposit would be available next business day. That did not happen. I called the location 7 times with no answer. I chatted with several bankers given different dates. Mind you I never received an email, piece of mail I received a notification in my BMO app on the 29th the day before it supposed to be released. **** today is May 1, 2025 my money still on hold. Mind you it was a check from the ****************************** with the certified paper work from the court. So today is May 1, 2025 and still no money.Business Response
Date: 05/05/2025
We have reviewed the concerns and the customer issue has been resolved.Initial Complaint
Date:04/30/2025
Type: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 signed up for a banking account bank in February. I never received a debit card. I reached out via chat and spoke with ********* back on March 19. She said I would receive a replacement within 1-2 business days. I never received it. I contacted them again today. Apparently ********* lied and never put in the request. I reached out via chat and the agent told me I needed to call. The agent on the phone did not want to put me through to a supervisor (putting me on hold multiple times, asking repeatedly as if he didn't know the issue, etc.) but eventually was transferred to someone the resolutions department named ***** with her beeping fire alarm during the ENTIRE call. These are the people who represent ***. She refused to help, telling me I would need to wait 2 MORE WEEKS for a debit card! She said there was no record of a conversation with *********. The case # for an actual supervisor callback that I was given is F02956515.I have attached screenshots of the chat with ********* and BMO.Business Response
Date: 05/06/2025
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 May 6, 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:04/29/2025
Type: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.
April 2024 contacted ****** vice president of *** he said insurance adjuster was going to call me its been over 9 days still haven't heard from no adjuster. i have damages to my car from BMO bank ******************* ******** parking lot is full of pots holes for the last year, told them to fix it, its damaging my car, still haven't fixed parking lot or no insurance adjustor calling me?? but now i got over $4600 worth of damages to all my car 2struts, 2shocks, 4tires, 1 wheel bearing assembly, and 4rotors/brakes. no adjustor called me and its been 9 days, nothing from adjustor, and ****** says he can't give me their number to call them. i have healthy conditions that i have to go to doctors and therapy daily and since i don't have a car for the last 2 weeks, i can't see doctors or therapy for my major health problems so this is becoming to be a health concern since i don't have my car fixed or no adjuster called me when i sent the vice president the estimates and he said he can't pay me out for the damages. I'm getting upset. no insurance adjuster call or nothing. i need paid asap $4600 for car damages.Business Response
Date: 05/07/2025
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 May 7, ********************************************* 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: 05/07/2025
Complaint: 23266632
I am rejecting this response because: i never got no letter in the mail from ******** or the insurance company. i got a response by email from ****** from the bank they are forwarding to get this accomplished but still been a month and have got no calls from the bank or the insurance compay about gettting a check for the dmages o my car that is unsafe to drive from pot holes in the banks parking lot that. i need a call from ****** ******* the president of the company that they are giving me a check in person or deposited the damages in my bank account so i can get my car fixed asap.
Sincerely,
****** ******Business Response
Date: 05/09/2025
A letter was sent to ****** ****** on May 7, ********************************************* the complaint. We ask that the customer allow sufficient time for mail delivery. The explanation provided in our previous response letter was reviewed and the Bank stands by its position on the matter as previously discussed. We consider this matter closed. In the interest of protecting our customers confidentiality, we are not posting the contents of the response in this forum. Thank you for taking the time to bring this matter to our attention.Customer Answer
Date: 05/10/2025
Complaint: 23266632
I am rejecting this response because:
Sincerely,
****** ******Initial Complaint
Date:04/29/2025
Type: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.
April 2025 I open personal checking account online the froze my account no reason I gave them all of id verification when I open I put money in their $270 they won't let me have until go to the branch can't do it because of home bound medical issues. Requested to have my own money back to pay bill they said no.Business Response
Date: 05/02/2025
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 May 1, 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:04/29/2025
Type: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.
On April 28, 2025 I called *** bank to inquire as to why my credit card from them was being rejected. I was told that due to business decisions they had decided to cancel my credit card, and it had nothing to do with my use of the card. I have paid on time and never have had a late payment. I was referred to their ****************** to receive my existing rewards. *** ****************** said they were sorry, but they were keeping my rewards because I only had $7.84 and did not have the required $15 to request it. I want them to take my earned $7.84 off my present bill of $19.35 so I can pay off my bill and be done with this company. *** did not inform me that they were cancelling my card. They cancelled my card for no reason other than a business decision. I found out at the *********** my card had been cancelled. If this had been my only means of payment I would have been in trouble.Business Response
Date: 04/29/2025
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 April 29, 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 attentionCustomer Answer
Date: 05/06/2025
Complaint: 23263461
I am rejecting this response because: You did not even address the complaint. You admit and I quote, "the closure isn't a reflection of your standing as a customer or your credit rating" You then say "The rewards you have accumulated on your card can be redeemed through July 7, 2025, in accordance with our rewards program rules." As, I stated in my complaint I am not able to followed your rewards program rules as you cancelled my card before I reached your minimum of $15 redemption amount. As you canceled my card I consider it totally dishonest for you to keep my earned rewards regardless of the amount and your program rules. As I have read BMO's reviews online it is obvious you are struggling with customer satisfaction. If you are cancelling thousands of cards and keeping their rewards the total amount could be in the one hundred thousand dollar range or higher. Sounds like a strategy to defraud customers.
Sincerely,
**** *********Business Response
Date: 05/09/2025
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: 05/16/2025
Complaint: 23263461
I am rejecting this response because: I do not accept a business holding on to earned rewards. By looking online, I can see that *** has very poor customer reviews from numerous customers review sites. I have added my review to those sites. It is clear to me that *** is not concerned regarding their fraudulent behavior.
Sincerely,
**** *********Initial Complaint
Date:04/28/2025
Type: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 opened an checking account at *** on the night of Jan.26 2025. $7500 direct deposit for $500 bonus offer was what I saw at **** website and got prompted to click the application button and apply at **** website. *** is now saying the promo term has now changed to $600 for $10k direct deposit within 90days from account opening which is different from what I signed up for. If what they're saying is that the term what a customer saw and applied for an account at your website has now changed to something different, that would be a material misleading of your promo material at your website as they failed to honor the original offer terms that customer has received and applied the account for. *** owns the promo terms posted at their website, if something is no longer valid, they should have updated it.Business Response
Date: 05/05/2025
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 May 5, 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:04/25/2025
Type: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.
They cancelled my credit card without any notification, when I contacted the business, they could not give me a reason as to why this was done, as I make my payments on time.Business Response
Date: 04/28/2025
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 April 28, 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:04/24/2025
Type: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 am military station in ***** and my ex spouse and I have a boat loan from *** when we were married. In the court order divorce decree, my spouse was awarded the boat and I was to remove my name within 30 days. I've attempt 6 times with 4 different offices to get my name removed. All personnel I've talked too have said that I can visit a local branch with my ex or have her refinance the loan. With me being in ***** this is unreasonable and my ex is that for a reason, she is unwilling to refinance. I've also sent in a copy of my divorce decree to Consumer Finance for this request with a letter on March 25th and nothing was done with this request. Now the loan payment is late and will affect my credit. The last *** I spoke with said that my lawyer can send in legal paperwork to have me removed but when I said I have the same legal paperwork they said it won't work if I said it in. This is unreasonable and terrible customer service for someone that is trying to do the right thing as order by the court.Business Response
Date: 05/20/2025
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 May 20, 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.Customer Answer
Date: 05/20/2025
Complaint: 23246949
I am rejecting this response because: Mail to APO addresses can take 1-2 weeks for delivery. Since a letter was posted yesterday, I would like to keep this open until referenced letter is received and reviewed from the company. It is my goal to reach resolution with *** in the most proper way possible and abide by state court requirements.
Sincerely,
******* ******Business Response
Date: 05/28/2025
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
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