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.

  100 West Washington Street Marengo, IL 60152

  
• 

  BMO Bank N.A.

  1000 S. La Grange Road La Grange, IL 60525

  
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  BMO Bank N.A.

  1050 Maple Avenue Lisle, IL 60532

  
• 

  BMO Bank N.A.

  10500 W. Cermak Road Westchester, IL 60154

  

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:03/16/2024

  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.

  I need this found urgently. I requested to close CD account with BMO Bank on 3/8/2024, the representative said the funds will be delivered to the account in 3 business days. But I dont get the money till today 3/15/2024. CD Account# ****************************** called customer service number ************ many times( at least 10 times). I cant get any solutions from them. BMO Bank doesnt provide account closing/ confirmation email, tracking information, any updated information.

  

  Business Response

  Date: 03/26/2024

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A call was placed to the account holder on March 15, ********************************** 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:03/15/2024

  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.

  I am writing to file a formal complaint against *** regarding their reprehensible treatment and failure to provide promised support and compensation in light of the traumatic experiences I have endured as their customer.My name is [Your Name], and I am a victim of a series of horrific crimes while abroad, including being held hostage, tortured, and robbed over 20 times by criminal elements, including the drug cartel and local authorities. Despite reporting these crimes to *** and providing police reports and evidence of fraud, they have callously refused to acknowledge my victimhood and have instead held me liable for fraudulent charges on my accounts.I was promised by *** that they would reissue credit cards with a line of credit attached to them to assist me during this difficult time. However, they have reneged on this promise, leaving me financially destitute and unable to rebuild my life after the harrowing ordeal I have endured. Their refusal to provide the promised support has added insult to injury and has left me feeling abandoned and betrayed.Furthermore, I am deeply disturbed by the apparent racism and discrimination exhibited by *** in their treatment of my case. Despite clear evidence of fraud and victimization, they have chosen to scapegoat me and hold me responsible for crimes committed against me solely based on my race. This behavior is unacceptable and must be addressed immediately.I demand that *** rectify their egregious mistreatment by:1. Issuing the promised credit cards with a line of credit attached.2. Providing compensation for the financial losses I have incurred due to their negligence and refusal to provide support.3. Acknowledging their discriminatory behavior and taking steps to address and rectify it.I am prepared to escalate this matter further by filing arbitration and pursuing legal action against *** if necessary

  

  Business Response

  Date: 04/02/2024

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. The Bank sent a letter to *************************** on April 2, 2024,addressing their concerns. Please allow 7-10 days to receive the correspondence. 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.

• Initial Complaint

  Date:03/15/2024

  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.

  I paid off the card as the representatives on the phone are never helpful and I was charged fraudulent late fees before. I had proof of payment being made in timely manner. Company refuses to close my account per my demand. I owe them $0.00 and all I want is to get rid of this impossible card after closing my account in orderly manner.

  

  Business Response

  Date: 03/20/2024

  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 March 20, ********************************************* 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: 03/21/2024

   
  Complaint: 21438547
  
  I am rejecting this response because:

  No letter was sent to me, bank's representatives located in ********* messaged that they wanted copy of my ID and SSN and also insisted I would have to go to branch location in ******* in person. We reside in rural area and it is almost 165 miles away. I paid off the card and insist on closing the account without making 165 mile trip I am also not going to supply my ID and Social Security number to representative in *********. Already fraudulent past due fees were posted on a card before and never adjusted despite my requests. I reviewed my experience with the telephone call representative where after waiting on hold for 2 hours I was never connected to supervisor and I was promised manager will call me back which also never happened. They mailed me new *** card instead. I do not wish to be associated with this company in any shape or form. I paid off the card and would like account closed within 2-3 business days following my demand as most other banks and other FDIC insured entities do. Thank you. 
  
  Sincerely,
  
  ****************

  

  Business Response

  Date: 03/21/2024

  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 March 20, ********************************************* the complaint. Our stance remains unchanged, and 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 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: 03/21/2024

   
  Complaint: 21438547
  
  I am rejecting this response because: issue not addressed. I would like ******************** to review the history of my communications with *** and its representatives. I can sign any necessary waiver for *** to be able to disclose it in greater details. I do believe every phone call gets documented.

  Thank you
  
  Sincerely,
  
  ****************

• Initial Complaint

  Date:03/14/2024

  Type:Sales and Advertising 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.

  *** back had a promotional offer for their World MasterCard. Spend $2000.00 in the first three months and receive $******.We spent that amount in 3 months. We should have seen a debit for the $****** since we opened it in Early December. We called to inquire and was on the phone for over 15 minutes with a third party call center. They told us they did not see any offer on our account and asked if we have a promotional code.Why should I be providing a code, which I do not have, since it was part of the sign up deal. They are trying to not pay us when we performed the contract as asked. They are trying to put the onus of proof on us. This just seems to me to be false advertising and making sure that the do not pay out the ****** as promised. That is the ONLY reason I got this card. They gave us a $500.00 limit, so I had to pay off this almost weekly to achieve our goal. I have other credit cards with ****** limit.This is actually my wife's card. but I am writing this on her behalf. Social ending in ****************************** 9522 with ************************* name on credit card.

  

  Business Response

  Date: 03/19/2024

  We are in receipt of the complaint and welcome the opportunity to respond to the consumer's inquiry. The Bank is only able to respond to inquiries received from account holders. A letter was placed in the mail on March 19, 2024 advising of this. 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: 03/19/2024

   
  Complaint: 21434458
  
  I am rejecting this response because: I am awaiting the the letter that the company supposedly sent.
  
  Sincerely,
  
  *******************

  

  Business Response

  Date: 03/20/2024

  We are in receipt of the consumer's rebuttal and welcome the opportunity to respond. As previously indicated the Bank mailed a reply to the consumer on March 19, 2024. Please allow time for mail delivery. We consider this matter closed. 

• Initial Complaint

  Date:03/13/2024

  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 checking acct. w/ ******************** since 1996 (can not remember if that was their original name in 1996) recently Bank of the West became BMO Bank. i called their customer # ************** & ask if they still offer notary service for free like Bank of the West b/c i 'm turning 75y on the 27th of this March & want my ******************* directive notarized. the response to my inquiry was YES, but when i went to the bank w/ my papers to be notarized i was informed that they only notarized documents that are bank related.i am not complaining about the staff but about the bank itself to make clear their policy whether they changed their services to inform the customers make the changes known to the staff...really ***** when customers are given the wrong info...waste of time to make a trip to the bank for nothing thank you,Sincerely,*******************************

  

  Business Response

  Date: 03/26/2024

  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 March 26, 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: 03/31/2024

   
  Complaint: 21430948
  
  I am rejecting this response because: the way i understand their response a letter was sent. without mentioning to whom the letter was sent

  to be CLEAR, i have not received any letter & i am willing to go personally to the bank here in Antioch to get that letter...i am also very willing to get my complaint publicly published...i waive all my privacy rights because i truly believe that *** should be aggressively warned to clean up its act...it is really outrageous that they have a negative impact after taking over Bank of the WEST...it is NOT the bank staff here in Antioch Branch that is the problem, but it is the policy of *** & i know what i am talking about b/c i opened my account since 2/1996 when i moved here in Antioch reason i can tell how things have deteriorated...it is really to the best interest of *** to pay attentions to consumer complaints!!!
  
  Sincerely,
  
  *********************

  

  Business Response

  Date: 04/01/2024

  We are in receipt of the rebuttal sent by the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A copy of the letter sent on March 26, 2024 was sent to the customer on April 1, 2024, addressing their concerns. In the interest of protecting our customers confidentiality, we are not posting the contents of the letter in this forum. As the rebuttal does not contain any new concerns that the Bank has not previously addressed, we consider the matter closed. 

• Initial Complaint

  Date:03/13/2024

  Type:Product 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.

  I had a loan closed out with ******** and overpaid on the loan. The amount they owe me is ******* for one check and ****** for the other check. The loan was paid of mid November and still have not recovered the money due to employee inputting wrong mailing address. I signed an addendum form and mailed back to them and still have not received the checks. I have been on the phone with this bank for the past 4 months trying to get my money. I have no other option to retrieve my money and the bank has not been helpful at all.

• Initial Complaint

  Date:03/13/2024

  Type:Order 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 took out a Heloc I was quite clear I never receive income u to second Wednesday of month please make payment date 19th of month so i pay on time and not in a grace ****** setting me up for failure. Their agent wanted the incentives and opened account with pay date of the 9th I rarely am paid by then. They set me up for failure. Im medically disabled yes I signed the papers trusting the agent did the date right or simply told me call back on 19th and open account. Please get the due date changed to the 19th asap so I succeed at keeping my house. Im a single mom of 5 I raise on my own while being medically disabled.

  

  Business Response

  Date: 03/25/2024

  We received the complaint for the above referenced customer. We welcome the opportunity to respond to the inquiry. The Bank sent a written response to the customer directly dated March 25, 2024, to address the complaint. Please allow 7-10 Business Days for mailing and receipt. In the interest of protecting confidentiality, we will not be posting the outcome of our review. 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:03/13/2024

  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.

  My account was sent to fraud without anyone trying to ask me for proof of where the money came from. Its my tax return I have the proof and the bank wont give me any information. Just have all my funds on hold when I have documentation as to where the funds came from which is ****************************, the government, IRS. Instead of keeping me in the loop the fraud department decided that they will keep my funds on hold and not tell me anything but there is a suspicion of where my money came from. *** had the worst traumatizing experience with a bank Ive ever witnessed. I was given nasty looks, and laughs for not being able to access my money. Treated like a criminal. I walked in the bank many times with my ID my bank card forms on my phone of proof of where the money came from. Waited in line for a while , until there was a cyst one hind me and they decided to move the line. What did I do to this branch to treat me like a criminal, teller laughing at me and mocking, Everyone else who walked in was treated fairly and each time I came back the same teller looked and laughed and said we will be with you in a moment and smirked and made me wait. Im not sure if the teller had a bad experience with a African American but she gave me h*** And made my banking experience worse. The manager was nice easy to talk to. She had no answers for me as well. I called every *** number I had and was told so many different things and each time was told sorry that person didnt have all the details. Ive been getting the run around and told just have to waited out there is no time frame as to when or if I would get my money. If? I worked for this money, This money came from the government itself. Im a single mom of 3. Im behind on so many bills, that was due this week and missed out on a cheap reliable car purchase. Not sure what I did but I verified myself in the branch personally a few times and I have paperwork. Can I close my account and withdraw my money from this bank?

  

  Business Response

  Date: 04/05/2024

  
  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 8, 2024, April 5, 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.

• Initial Complaint

  Date:03/12/2024

  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.

  On march 5th we received a wire from escrow and bank immediately froze our business account. The wire is verified by escrow and title company and if the bank is considering this as high risk they can simply reject and return the wire to escrow rather than holding the funds for unknown period of time . There are obligations to pay and can result in financial losses and large penalties . They should return the wire or release the funds in timely manner rather than holding on to customers funds for a prolonged period of time. a reasonable amount of time is few days. The bank can simply return the funds without being held accountable for anything . Account -# is ********** this is ridiculous and I have also filed a CFPB report.

  

  Business Response

  Date: 03/25/2024

  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 March 25, ********************************** 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:03/12/2024

  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.

  I made a transaction online for a product. The transaction appeared to go through and it alll appeared legitamate. The site was HTTPS - **********************************. I was suspicious because I did not receive an email acknnowledge of the purchase. I immediately did some research and came up with some disatisfying information, the site was suggested to have a mediium-low score and it was noticed that the site returned "403 | Forbidden Access". The research site is - *********************************************************************** immediately contacted my bank ***, to cancel this tranaction, as it was in pending status, and not bill my account (amount of $9.85) and also put a flag on my account for suspicious activity. They would not cancel the pending transaction and that it will already automatically post to my account.This is just wrong. I called them immediately. I should be able to cancel a transaction that is in pending status. I should not have to go through this process and I should not have to 'accept' this transaction in error. I want this transaction cancelled immediately. They have put a flag on my account.

  

  Business Response

  Date: 03/13/2024

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A call was placed to ************************* on March 13, ********************************** the interest of protecting our customers confidentiality,we are not posting a summary 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: 03/14/2024

   
  Complaint: 21424521
  
  I am rejecting this response because:  They have a bad policy in place that provides noo protection for my issue.  No doubt I will never see the money I have in question.  A bank should provide some protection for their customers in cases like these.  I am doing research for a bank that is more community oriented.  My former bank, *************************** would have had this fixed in a second.  *** is about the bottom line and has no intention of providing its customers with quality customer service.  I have **** through some difficult things with with *** and they provided absolutely no consideration for the problems I had. 
  
  Sincerely,
  
  *************************

  ********************************************;
  ********, ** 95969 
  ************ 
  *********************

   

  

  Business Response

  Date: 03/14/2024

  We are in receipt of the additional comments provided by the above referenced customer.  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.