Business Profile

Bank

BMO Bank N.A.

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

1,409 total complaints in the last 3 years.
462 complaints closed in the last 12 months.

If you've experienced an issue

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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:04/17/2025
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 opened a credit card account with *** roughly 18 months ago. I have an excellent credit score, a zero balance and a 10k limit. For no reason, I received a letter stating my account is closed. I called customer service and they could not give me a reason. I opened a claim to dispute this action as it will have a negative impact on my credit score. I am awaiting results of dispute.
Business Response
Date: 04/22/2025
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 22, 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:04/17/2025
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.
My card was canceled by *** March 31. Last billing date is May 5. I havent missed one payment and also have a credit score over 800. I paid faithfully and expected to get the ***** they owe me for the rewards. They inform me even though they closed it I have to have $15 to cash it out. Thats theft. If I closed it would be on me. I even told them if they reopen it I would earn the $15. and close it out. They refused. So that is definitely theft!!!
Business Response
Date: 04/22/2025
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 April 22, ********************************************* 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:04/16/2025
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.
So, on April 6th, ****************************************************************************** for purchases while on my week long vacation. Prior to leaving the airport, my credit card was declined. After landing in *****, I called to speak with a *** agent to inquire why my transaction was declined. (I had approximately $2,000.00 available for spending on the card, hence why I brought it with me on my trip.) All the agent would tell me is, "You account was closed on March 31, 2025. *** can close your account for any reason at anytime." She told me I would get a letter in the mail within 7-10 business days further explaining their decision to close my account. My account was closed without any warning, no prior notification and here I am about to embark on a weeklong trip and my credit card has been closed! I called *** today and found out #1) My account had been open since Oct. 2020 - so almost 5 years. #2) I had never had a missed or late payment, and #3) I had never exceeded the credit spending limit of 6K. So why was my account closed for literally no reason?! I am astounded that is how they treat a loyal customer for almost 5 years and no late payments or account overage with absolutely no notice of their decision. Despicable!
Business Response
Date: 04/22/2025
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 April 22, 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: 04/28/2025

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:04/16/2025
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.
Horrible and highly frustrating process for reporting fraud. Seven phone calls, two hours of time and eight different people that failed to handle to issue presented. The bank called me to validate possible fraud and couldnt give the number to call them on (to ensure the initial call is legitimate). When calling the number on the card was told fraud **** is closed? Another day of calling and speaking to multiple people (apparently the number on the card doesnt handle that cards situations). Six more people later the agent informs me that the identified fraudulent charges are in pending status and for me to call them back once they are processed to then make the claim (that they called me to verify initially). Absolutely ridiculous failed services and process. Person eight canceled the compromised card and noted another would be sent in upwards of ten days. Pushed though to what should be a supervisor when attempting to express my significant frustration only to have that person say they can note the four fraudulent charges now and I wouldnt need to call to report them again. Now I dont know who to believe.I have lost all trust in what they say now unacceptable and I hope this review assists those in the future.
Business Response
Date: 04/28/2025
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 28, 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:04/16/2025
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.
The nature of this dispute is the disposition of rewards points and charges incurred for denied credit card charges on an automatic bill pay to a cable company without prior notification.
Business Response
Date: 04/22/2025
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 22, 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: 04/30/2025

Complaint: 23212580

I am rejecting this response because:
My request for reinbursement is for the following reasons:

I have been an excellent customer of BMO with two credit cards both
set up to automatically be paid through my bank account by the due
date.

Both accounts were cloased by *** on March 31st for no apparent
reason. One account #**** has a rewards balance of $14.23. The
other account #**** has a rewards balance of $2.76. Since both
have been closed by *** these amounts will not increase. They
have a minimum limit of $15.00 to issue a statement credit. They
also state that the rewards of two credit cards cannot be combined.
My combined rewards total $16.99.

One of the accounts automatically pays my cable bill which is
due of the 2nd of each month. BMO stated they sent a letter to
me on March 31st stating the accounts are closed. The billing
from my cable bill was denied on April 2nd before I received the
letter of cancellation from BMO. I incurred a late fee of $6.00
from my cable provider. I have since changed my autopay credit
card with my cable provider.

On April 15th I called *** to find resolution to my problems.
They could not offer any assistance. The manager I talked with
was *******. The phone number used was ************. I believe
they are stealing not only my rewards money, which is small, but
that of others. Multiplying even a small amount by thousands
of customers comes to quite a sizeable amount. This is corporate
theft.

During my call with ******* I did not request a payment. I only
requested the rewards be credited against my current statement
balance of $19.91. She said she could be of no help and refused
to allow me to talk to a superior.

***** ********

Sincerely,

***** ********
Business Response
Date: 05/01/2025
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: 05/03/2025

Complaint: 23212580

I am rejecting this response because:
I have received no letter or refund from BMO.

Sincerely,

***** ********
Initial Complaint
Date:04/15/2025
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.
On March 18, 2025, my account with BMO ********************** Bank was unexpectedly frozen without any prior notice or clear explanation. The amount currently being withheld is $40,583.75, which is a significant sum and has caused serious disruption to my personal financial obligations.Since the account freeze, I have contacted BMO Harris Bank multiple times seeking clarification and resolution, but I have yet to receive a satisfactory response. Communication from the bank has been vague, lacking transparency, and no actionable steps have been provided to resolve the ************ has now been nearly a month, and I still do not have access to my own funds. This situation has not only affected my financial stability but has also caused unnecessary stress and frustration.Desired Resolution:I am requesting the following:1.A clear and detailed explanation for why my account was ****************** action to resolve the freeze and restore full access to my funds.3.A formal written apology for the lack of communication and the extended delay.4.Consideration of compensation for the hardship caused by being denied access to $40,583.75 for such an extended period, especially if the freeze was unwarranted or poorly managed.I am filing this complaint with the BBB to bring attention to this matter and to prompt a more timely and professional resolution from BMO Harris Bank.
Business Response
Date: 04/28/2025
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 April 28, ********************************************* 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: 04/28/2025

Complaint: 23209380

I am rejecting this response because: I want to receive email regarding my account instead if you cannot post the content of the mail. I will be expecting an email from you regarding my accounts.

Sincerely,

******** *****
Business Response
Date: 04/30/2025
A letter was sent to ******** ***** on April 28, ********************************************* 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 consider this matter closed. We ask that the customer allow sufficient time for mail delivery. 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: 04/30/2025

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:04/15/2025
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.
BMO HARRIS BK Amount:$18847 Date:1/14/2025 Acct#**************** According to 15 USC 168s- 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate . (B) Reporting information after notice and confirmation of errors According to 15 *** 1681 I have the right to privacy According to 15 *** 1681s-2 A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. (B) Reporting Information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency (i) The person has been notified by the consumer, at the address specified by the person for such Notices, that specifies information inaccurate, and (ii) the information is, in, fact, inaccurate. According to 15 USC 168i(15) the credit bureaus have to modify or Delete fraud Account that are not reporting accurately. According to 15 USC 1681b(1) the credit bureaus dont have no written permission. According to 15 *** 1681 have the right to privacy Section FCRA 611(a)(6)(B)(iii) and (7) of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information. Fair Credit Reporting Act, 15 U.S.C. 1681s-2 Section 623(a)(8)(D) Section 603(p), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623(a)(7).According to 15 U.S.C 1681s-2(a)(1)(A) and (B)to report inaccurate informationPlease DELETE this information from my credit report, pursuant to section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information
Business Response
Date: 04/23/2025
We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. The Bank mailed a response to the customer regarding this concern on February 27, 2025. In the interest of protecting our customers confidentiality, we are not posting the contents of the letter in this forum. As the new complaint contains no new information the Bank has not previously addressed, we consider the matter closed. Thank you for taking the time to bring this matter to our attention.
Initial Complaint
Date:04/14/2025
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.
So me and my boyfriend filed our taxes together but since he made the money the tax check came in his name even though he claimed me and the kids anyways I deposited the check into my bank account and everything seemed to be going good they approved the deposit said it would be available on April the 11 I'm thinking perfect we'll April 11 came and they put a fraud alert on my account and they shut my whole account down then they wanted me to verify and sign an affidavit witch I did I had to pay out of pocket for the notary I had to take off work and now my account is still frozen
Business Response
Date: 04/30/2025
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 April 23, 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:04/14/2025
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 called ******** to change my address since I sold my home and moved. When I changed my address last year I had no issues with them and They changed my address to the home I was living in, and never did to me what I am going through now. On 4/14/2025 @ 4.32 pm I called ************ and this women put me through so much just to try and change my address, they wanted such personal information from address that I have lived in since back since 2017 and streets that are near by my new home. I was like I just moved here. I asked for a manager, and said my SS number is not enough. I said last year I changed my address and I never went threw all of this, they asked me a couple of questions changed my address and that's that. These people literally refused to change the address. If they are refusing to change the address then they can pay the loan. Until they resolve their issues and get someone in the states, to fix this problem. 30 min's on the phone I'm disabled and so is my husband who is a veteran.
Business Response
Date: 04/27/2025

We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. The customer was given the information and process to customer from a telephone representative . In the interest of protecting our customers confidentiality,we are not posting the contents of the call 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: 04/28/2025

Complaint: 23203560

I am rejecting this response because:
I was unable to reply to your link, I do not understand, what the company is referring to, I have explained to *** OVER and over. I have never had an issue changing my address via telephone and now they are giving me a hard time to update my address. I am no longer receiving mail from them. So I am not able to receive bills.

**** Badolato

Sincerely,

**** ********
Business Response
Date: 05/05/2025

We are in receipt of the rebuttal 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.
Customer Answer
Date: 05/06/2025

Complaint: 23203560

I am rejecting this response due to that fact, that this letter the *** is sending, does not address my request for my address change to my new home. I did not receive a RESENT bill from the *** and if the company is acknowledging my new address through **************************, then correct the issue. If they are mailing a letter to my old address on their file, then I will not receive this letter they are claiming to sent out. So the letter will never arrive. All my information is correct and true, but, *** did not state the address on their response where this letter would be going. For, this reason I reject their response.

Sincerely,

**** ********
Initial Complaint
Date:04/14/2025
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.
BMO Bank N.A. closed the credit card account that I had maintained with them for 18 years on March 31, 2025, without notice of any kind. My credit rating was 726 (Very Good) with a Grade A payment history of 100% on time. I discovered my credit card had been cancelled via a message on *******. I assumed ******* had made an error, called them, and was stunned when ******* personnel stated that my credit card number was not valid. Likewise, my card was declined at the local gas station.I contacted ******** credit card customer service (on April 11, 2025) and was shocked to learn that my account had been closed. After ***** minutes of requesting information on reasons for the closure, and receiving none, I then asked to be transferred to ****************, as the customer service person stated that the closure was a "bank decision."After half an hour of speaking with the ******** representative, I received two reasons for my account closure: 1. I did not meet bank criteria for a BMO credit card, and 2. I did not have sufficient credit usage. The representative could not tell me what the criteria were, nor could he speak to the numerous bills and charges that I pay using my credit card each month. He suggested I go to a local ******** for more information.I visited the ******** in **********, *********, on Friday, April 11, 2025, and an incredibly apologetic employee said that the branches had not been informed of these cancellations and that numerous customers had come in with the same complaint. Interestingly, these customers had credit cards through ***, but not bank accounts; also, even though the credit card accounts were cancelled on March 31, 2025, a letter informing customers of their credit card account closures went out on April 10, 2025. I have not yet received any communication from ***. My credit rating decreased 21 points as I had to apply for a new credit card and have had a hard inquiry into my credit.
Business Response
Date: 04/14/2025
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 14, 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: 04/15/2025

Complaint: 23196187

I am rejecting this response because:
1. I was not notified of my credit card account being cancelled by ***,
2. My credit rating has dropped by 21 points due to the hard inquiry for a new credit card, necessitated by **** closing of my account,
3. All of my subscription and automatic bill-paying accounts have been temporarily switched to my husbands credit card,
4. I was a customer with a 726 credit rating in good standing.

Sincerely,

******* *****
Business Response
Date: 04/22/2025
The Bank has reviewed your complaint and we stands by our position and our response to your original complaint. We have resent the letter mailed to you on April 14. We consider this matter closed.
Customer Answer
Date: 04/22/2025

Complaint: 23196187

I am rejecting this response because:
while BMO credit card customers have absolutely no recourse if BMO closes their account (even if the customer has a Very Good credit rating), I believe customers should be informed of the closure before it occurs and their credit rating should not be affected. I worked for years to have a 726 credit rating and it disappeared in a week.
The timing of BMOs actions and the disbanding of the ********************************** are probably not a coincidence.

Sincerely,

******* *****

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