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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:08/16/2022

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I scheduled an electronic payment to pay off my HELOC. On June 3rd they withdrew it from my savings account, put it back, withdrew it again and put it back again. I went into the branch office to see why they charged me a late fee since this was their mistake. ( I paid the loan off at the teller that day 6/13/2022). The banker called them and they had no idea. The banker sent a follow up email which was requested and there was no reply. The first time I called they said a supervisor had to approve this but no supervisor was available. Again I was asked to send an email which I did and did not hear back. I called again today 8/13/2022 and spoke to a supervisor. I was told that they have (finally) begun an investigation. Again, I was informed that I still owed the late fee in addition to another late fee. I am beyond frustrated.

      Business Response

      Date: 08/30/2022

      We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customers inquiry.  A letter was sent to ******************************* on August 30, ********************************** 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: 09/09/2022

       
      This matter is not resolved.  They still have my $6,500.00 in a non-interest bearing account.   Please help me.

      I am attaching all the documents requested.


      --
      ***************************

    • Initial Complaint

      Date:08/12/2022

      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.
      Banking with BMO, got a call from ***** in the fraud department giving me a courtesy call, saying that a deposit was fraudulent, I just said return it as sometimes there is miscommunication, 5 days later money was returned but ***** has not called me back after leaving 3 voicemails. I dont appreciate my money being held up for nothing all because of a recall on funds. If I disregarded a customer I would be fired from my job. This has to be fixed asap

      Business Response

      Date: 08/22/2022

      We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A phone call was made to ********************* on 8/17/2022 addressing the customers concerns. In the interest of protecting our customers confidentiality, we are not posting a summary of the correspondence in this forum.  Please let us know if we can assist further regarding this matter.  Thank you for taking the time to bring this matter to our attention. 

    • Initial Complaint

      Date:08/11/2022

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I previously had a total loss on my car back in December of 2020. GAP insurance paid off almost all of the amount that was remaining however I was left with $2,864. BMO Harris never sent me any information stating how much I owed or a breakdown of why I owed it. Therefore I was not willing to blankly hand over this amount of money without getting any sort of report. Additionally I never received a paid off amount once GAP insurance paid the large balance off, therefore BMO Harris is very poor at sending any sort of documentation. Additionally they refused to show proof of debt at the time of me asking, while treating me as if I were a criminal despite me continuing to ask on a regular basis, which delayed the payment being settled upon sooner. I only received any documentation after filing a complaint with BBB. Recently I went to get a loan and was told I have a charge off on my credit, which is coming from BMO Harris, however, the amount was settled upon and paid in full on 5/3/22. I am told that this is being recorded accurately which it is not as a charge off is when someone does not pay off an amount and is looked at as a loss. In this case that is inaccurate as the amount of $2,864 was settled on for $1,719. Again this is inaccurate as being reported as a charge off opposed to it being labeled and reported as pay as settled. I am hoping for this to be resolved so this does not occur and hurt future customers and have this changed on my accounts/credit score. I am looking for this to be removed off of all credit reports since it was paid as a settlement. It is important that BMO Harris is held responsible for falsifying reported information on all 3 credit reports. At this time that I am reporting this I have spoken with a women by the name of ******, that treated me with disrespect. She was reached at ***********************. Overall I wish for this to be resolved as soon as possible and it be adjusted on my credit accounts.

      Business Response

      Date: 08/22/2022

      We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customers inquiry.  A letter was sent to the customer on August 22, 2022 addressing the concerns. Please allow for mailing time. 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:08/11/2022

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law. Here are the details of the said inaccurate accounts, company name, balance & date last reported: Account Name BMOHARRISBK Balance $11,024.00 Account Number **********

      Business Response

      Date: 08/17/2022

      We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customers inquiry.  Another letter was sent to the customer on August 17, ******************************** 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. Please note: ******** has responded to previous complaints submitted by this customer related to the same concerns.

    • Initial Complaint

      Date:08/10/2022

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Was given wrong information that caused fees and an overdraft on my account

      Business Response

      Date: 08/11/2022

      We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A phone call was made to ********************* on 8/11/2022 addressing the customers concerns.In the interest of protecting our customers confidentiality, we are not posting a summary of the correspondence in this forum.  Please let us know if we can assist further regarding this matter.  Thank you for taking the time to bring this matter to our attention.

    • Initial Complaint

      Date:08/09/2022

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Please stop returning my payments from account ending in **** or take it off credit only status. I need to pay a ****.

      Business Response

      Date: 08/10/2022

      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 8/10/2022 addressing the customers concerns. In the interest of protecting our customers confidentiality, we are not posting a summary 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: 08/12/2022

       
      Complaint: 17691507

      I am rejecting this response because:

      Sincerely,
      Stop referring me to *********************** because I just fight and argue with too.
      *****************************

    BMO Bank N.A. is BBB Accredited.

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