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.

  111 W Monroe St Chicago, IL 60603

  
• 

  BMO Bank N.A.

  10 Huntington Lane Wheeling, IL 60090

  
• 

  BMO Bank N.A.

  10 S. Villa Avenue Villa Park, IL 60181

  
• 

  BMO Bank N.A.

  1000 N. Lake Shore Drive Chicago, IL 60611

  

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:04/11/2024

  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 a direct deposit from social security into BMO and now they closed my account within 6 days.I did call BMO customer representative and they said we will mail your check 7 to 10 business days. I also had a small deposit from a investment account and the last I look at it showing zero balance. I had to call again that the representative told me you will receive your check two weeks.I ask what about my social security check? Well that one we never receive it? But it did show after the account was closed. I will never deal with BMO Bank again! I think they are irresponsible and unprofessional conduct! It is possible that social security deposit check took it back and mail it to my address or it will be a late deposit into my other old existing checking account

  

  Business Response

  Date: 04/17/2024

  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 17, ********************************************* 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:04/10/2024

  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 made an additional payment to my loan and was told to put in the comments on the form online to apply to principal. The payment went to interest. I caught it and was told that I would have to manually call after each payment as there system was not set up to process additional principal payments. I believe that they are using unfair business practices to make it difficult to pay off loans faster.

  

  Business Response

  Date: 04/19/2024

  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 19, 2024, 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:04/09/2024

  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 BMO on 3/23/24 and spoke with a customer service representative. I had submitted 3 external transfer requests from my BMO savings account, but only 2 transfers were completed, so I made the call to check on the third, which was marked pending and then cancelled without any explanation or notification. The customer service representative was not able to answer my questions, and I could not understand her English, so I asked her to talk to my daughter. Although I provided explicit verbal authorization for my daughter to speak on my behalf with the agent, the agent refused to speak with my daughter so I had to end the call.I am now learning that because of the call with that customer service representative, a freeze was placed on my account and I am being asked to validate myself by either visiting the bank in person or by providing a notarized form to remove this hold. I have been an online-only customer with BMO for over a year now, and the nearest location would require me to travel out of state. I have continued to provide verification over the phone and online when needed, and I am more than happy to continue doing so. However, this freeze and unreasonable request to provide verification in-person needs to be removed. It is, quite frankly, completely outrageous that I am 1) unable to access my account, 2) not able to speak with a customer service representative who can process my simple transaction request, and 3) being asked to jump through hoops just to continue banking with BMO.Needless to say, I have had a terrible experience banking with BMO, as this is only one of many unprofessional experiences I've had with the institution. Unless a swift and appropriate resolution is met here, I will definitely be moving my business to another bank.

  

  Business Response

  Date: 04/18/2024

  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 April18, 2024, 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: 04/22/2024

   
  Complaint: 21554369
  
  I am rejecting this response because: I need an immediate response. BMO needs to remove the notes/hold on my account and allow me to verify via phone or online. They also need to close the CD that matured on 4/13/24.
  
  Sincerely,
  
  *****************************

  

  Business Response

  Date: 04/24/2024

  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 24, 2024, addressing the concerns brought up in the complaint. Please allow up to seven days for receipt.  We are also 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. This letter addresses all complaints received regarding this issue from case numbers #: 21554369,  21610623, and 21572714.

• Initial Complaint

  Date:04/08/2024

  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 opened a checking account online with ***. I transfered $150 to this account. I then set up a payment for my phone bill using this account number. The next day I found out my account was frozen due to fraud activity. I have not been told why or when my case will be resolved. They have been holding my deposit and I was charged a $15 fund return fee by ******** because I wasn't notified my account was frozen. I only found out when I tried to open the app and I didn't allow me to.

  

  Business Response

  Date: 04/15/2024

  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 15, ********************************************* 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:04/05/2024

  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.

  We recently bought an RV and got our loan through BMO Bank. On/Around February 9, 2024 I had called and requested a copy of our lien/condition lien/title release to be sent to the *** in ****** (we are Alaska residents stationed in ******* with the military). I gave the customer service rep the info for them to process my request to have the documentation sent to the ***. That never happened. So I called, again, on March 28, 2024 and was told they would email me a copy of the lien/title information and that it would take 2-3 business days. I followed up Wednesday (thats 3 times now) and was told by either Thursday or Friday that I would have that information. All three times I spoke to a customer service rep, they didnt comprehend English very well and it was extremelt frustrating trying to convey what I needed. In addition, our temporary registration on our RV is going to run out and we STILL do not have a copy of our title/conditional lien release. Horrible bank with horrible customer service.

  

  Business Response

  Date: 04/17/2024

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. Correspondence was sent to **** Do on April 17, 2024, addressing their 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:04/05/2024

  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.

  On March 15, 2024, I paid a truck payment online via *********** app. There was a glitch in the system. And somehow their system debited my bank twice, for $650 each. I only intended to make one payment. I called them on the 15th and then again on the 19th. And on the twenty first and each time they said they would refund my money. They first told me they would wire it back to me. That was false. Then they told me they would send a cashier's check. I have been waiting three weeks. They have never sent a check and they're making me jump through hoops to get my money back. They are telling me if I want to stop. Pay the check that never came that. I have to fill out additional forms and that they only have the capabilities of going through the mail. I feel that they have no intention of returning my six hundred and fifty dollars. There are numerous complaints against BMO. Bank on the internet. I feel like this company is fraudulent. I want my six hundred and fifty dollars returned to me.

  

  Business Response

  Date: 04/11/2024

  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 11, ********************************************* 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: 04/11/2024

   
  Complaint: 21533764
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:04/04/2024

  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.

  Since March 21st I attempted to establish power of attorney for my elderly fathers account, and I have sent in POA documents including my ID, social security card and my father's social security number and name. I was told by the *** representatives to fax this information over to this fax number ************.As of today 4/4/24, I have spent 3 hours on the phone only to learn that your bank can not find any of this personal information and has possibly lost it all. I am now at the point to a file elder abuse report against your bank for potential identity theft, because you have mishandled my father's personal identity documents, including you are potentially harming me for identity theft because you have lost all my information. Within the 3 hours I was on the phone with *** representatives they have refused to help and given m no correspondence to my fax, and they are very confused about the internal processes to establishing power of attorney when there is no branch access. I want to make it very clear I live in ******* my father is in *******, there is no branches in ******* and my father has dementia and is bed ridden at nursing home and obviously can not go into a branch. I need a personal call to this number ************. If I do not answer please do both of these things . Please leave a voice-mail and a email to this email ************************ if you can not reach me. Please leave a voice-mail and an email of your name and contact information. Thank you

  

  Business Response

  Date: 04/10/2024

  We are in receipt of the complaint for the above referenced consumer. We welcome the opportunity to respond to the inquiry. A phone call was placed to the consumer and a letter was mailed to the consumer on April 9 and 10, *********************************************** the interest of protecting our customers confidentiality, we are not posting the contents of the letter or discussion 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:04/04/2024

  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.

  On April 2, 2024 I submitted a transfer request of money from my checking account with ********************* to be deposited into my *** Alto Money Market account in the amount of $34,000. When I did not immediately see that the transfer had been completed, I submitted it again. Then it showed up twice so I called customer service and was informed that a transfer cannot be deleted and to call Landmark. ******** was unable to assist me in this matter due to the fact they do not have access to *** Alto. I requested to speak to a *** Alto Leadership member but was told no one was available and I would receive a call back, which never happened.

  

  Business Response

  Date: 04/09/2024

  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 9, ********************************************* 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:04/04/2024

  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.

  On Mach 12,2024 I received a call from someone named (*********************) that said they were with BMO fraud department my bank and there had been a charge on credit card from ******. He asked if I was traveling and out of the county. I said no and I confirmed I have not made any transaction on my card other than an online order with ******** I was told by ***** that he could see that charge and it had been canceled. But the transaction for $706.50 had been done by a company called (Hotmart). But not to worrier I'm with the fraud department and any and all funds will be credited back to your account. If you have any other concerns call me back. I continue to receive calls from ***** about fraud on my account. I then called the number on the back of my credit card, and they suggested that I canceled that card and get a new one. I then went to the bank in person on 3/21/2024. and was issued a new card and had my accounts froze so that the fraud would stop, and funds could be returned to my account. This did not help on 3/26/2024 I had to go back to the bank I meet with **** a bank representative who then said a claim needed to be filled with the fraud department and once they complete the investigation funds would be returned to my account. As of today 4/3/2024, I am still waiting for my money to be returned to me. This BANK IS NOT TO BE TRUSTED WITH YOUR MONEY.

  

  Business Response

  Date: 04/17/2024

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. Correspondence was sent to *************************** on April 17, 2024,addressing their concerns. Please allow 7-10 days to receive the mailed response. 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:04/03/2024

  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.

  Misleading information on credit card that was mailed out to **** was under the assumption that this was my credit card that I received after a years time of having good standards with the boost card. Even went in person to local branch office to find out how many months no interest was available to me. The bank tellers (more than one was helping me) informed me I would only be eligible for 15 months no interest on transfers I do from my other credit cards within 90 days. So long story short I used my ****** credit card to pay for some auto mechanic work and was going to transfer it over to this card and have 15 months to get it paid off with no interest. So I go to download my card on my *********** app and it asks me to call in .... so to my surprise ?? I was told I can't download the card or transfer my balance from my other card because I am not the primary holder of the card.... I was dumbfounded.... this is a replacement card on an account I was on with my mom.... so long story short now I have a $4000 amount that I will ne paying interest on until I can get it paid off all because of this banks carelessness .... and there is so much more that I have encountered with this bank since switching from **** of **** to ***. Can explain on phone or in person if needed. Can't understand why bank statements that pertained to the account with my mom has both names on it.......and I have the letter the card came with

  

  Business Response

  Date: 04/08/2024

  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 8, 2024, 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.