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Business Profile

Bank

BMO Bank of Montreal

Headquarters

This business is NOT BBB Accredited.

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Complaints

This profile includes complaints for BMO Bank of Montreal's headquarters and its corporate-owned locations. To view all corporate locations, see

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BMO Bank of Montreal has 136 locations, listed below.

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    Customer Complaints Summary

    • 151 total complaints in the last 3 years.
    • 55 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:14/02/2023

      Type:Billing Issues
      Status:
      Unanswered
      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 a client and cardholder with bank of montreal, i applied for a american ********** and attained the card for spending while living in the USA. As a member of BMO, the annual fees were waived and i didnt have to pay anything for the card. the card was not linked to my everyday online banking so when i moved back to canada, the card was paid off in full and remained in my possession, and active in the scenario that i returned back to the United States. Several YEARS later, the card was again, used for a family vacation. I called about the card, informing the Bank teller that i would be travelling to the USA for a breif period and would like to use it. When i got to there, i tried the card with no success. I had to rely upon alternative solutions for money. When i got back to canada, i Inquired about the card. the Lady informed me there was an outstanding balance on the card. Upon investigation, I learned i was Charged the annual fee of 30.00. Without any notification, the BMO overdue department filed a claim through a collections department to collect the 30 DOLLARS. I explained to the department the overdue fee was a annual fee that, attached in my contract was waived upon activation of the card. the instantly reimbursed the money and corrected the mistake. HOWEVER. The department filed an overdue payment with my credit report. and they have failed to correct that. this is significant in my day to day finances because it shows as in infraction of a payment that was missed for over a year.

    • Initial Complaint

      Date:07/02/2023

      Type:Delivery Issues
      Status:
      Unanswered
      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'm trying to renew my mortgage and switch from my bank to BMO and obtain a pre-approval. During last month they asked for many un-relevant documents (like the birth certificate of my children, ...) and finally they failed to provide a mortgage pre-approval letter. In other banks I get a pre-approval by providing much less documents in an hour but they constantly demand more and more documents that are not listed on their website. I can provide more delta later. Mortgage Specialist: ******* ******** Manager: ***** ******** 

    • Initial Complaint

      Date:01/02/2023

      Type:Service or Repair Issues
      Status:
      Unanswered
      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 bank statements show someone else's address, name, and bank account information. I have been calling into BMO for a few years regarding this. I can contact them about anything else, and they will come to a resolution. When I ever bring up this issue, they lock my account and tell me to go into a branch ****** ** *** ** **** **** *********** ** ******** ***********

    • Initial Complaint

      Date:25/01/2023

      Type:Product Issues
      Status:
      Unanswered
      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.
      For the past ten years I had a payment going from my debit card to an old credit card. I didn’t realize this because I had another credit card with the same monthly payment of $200. When I realized this in November of 2022, I requested a refund of the $12445.00 credit on the credit card that had been accruing. BMO ********** never alerted me that this credit was on the card. I have still not received the refund cheque. BMO ********** says they sent it to the wrong address, despite me providing the correct one. I have called repeatedly, made complaints, gone into the branch and filed an investigation. I have still not received my refund. It has been over two months. I am hoping for some help with this. I am being penalized for a mistake of the bank and they are not giving clear answers about when they will refund my money. Thank you. On November 21st

    • Initial Complaint

      Date:04/01/2023

      Type:Service or Repair Issues
      Status:
      Unanswered
      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 BMO credit card. I have been locked out of my account, including online access, by BMO account management, AM. I am unable to see or know my outstanding balance or received payments. I have made a payment on December 28th of $20,000, and want to know when it has gone through my account. I have talked to BMO AM 2x. The first time they transferred me to another line, where I was told, again, that I was locked out and needed to talk to accounts management. I talked to AM again and was told that I would not have access until the payment cleared, but would not allow me access to the account to determine if it was cleared. I was told to go to the branch. I expressed that I was told to call in by the branch. I was told that I would remain locked out and not have access to an account that I have a legal relationship to. I am unable to determine if I have monies owing or not.

    • Initial Complaint

      Date:03/01/2023

      Type:Service or Repair Issues
      Status:
      Unanswered
      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 disputed some damaged appliances that I received from **** *** and they are doing nothing to help me, **** *** is doing nothing to help me either, all appliances except for the microwave we're given to me damaged and $2,000 of damage done to my house, they're ******* supposed to help me with disputing these items but they are doing nothing to help me and tell me there's nothing they can do for me, they put the money back to my ********** and charged me for the appliances and did nothing to help. I paid for brand new appliances, not damaged appliances.

    • Initial Complaint

      Date:01/12/2022

      Type:Service or Repair Issues
      Status:
      Unanswered
      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 been experencing fraudulent chargés in my account in which Bmo saying I have history with a company I never heard of And **** **** and **** *** ****** also have been taking money out of my account and I need help to résolve issues

    • Initial Complaint

      Date:10/11/2022

      Type:Customer Service Issues
      Status:
      Unanswered
      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 contacted BMO Chargeback on October 27, 2022 for assistance in filing a credit card chargeback to ******** ****** for refusing to honour their 100% money back guarantee for trip cancellation. The policy clearly reads: “We've got you covered, wherever you go... COVID-19 Protection Get 100% of your money back if you cannot travel due to disruptions caused by COVID-19 such as travel restrictions, testing positive and much more…” ******** is refusing to refund me in full. They are redefining the terms of their Premium Care Travel Protection Policy. **** ** ************* After many failed attempts to resolve the issue with the agency, I reached out to BMO to request their assistance in reversing the charge for $3200. The women assisting me collected all of the necessary documents to support my claim, and tried her very best to contact the agency to no avail. She tried over five times to get through to the travel agency, to no avail. Unfortunately, this was another failed attempt to resolve the issue with the seller directly. In support of my ask for assistance in holding ******** accountable *** ***** ***** ************** **** ******* ******* *** ********* **** ** ********* she felt it would be best to escalate my concerns to a manger. She assured me that a manager would be in touch with me within 72 hours to discuss further. It has been two weeks since I made the initial call. I have not heard from BMO to date. I have not been able to resolve the issue with the travel agency. ** ** **** ***** **** **** ** ***** ******* ****** ** ** ******** *** ********* ** ****** * ** ****** ************* I want BMO to hold this merchant accountable. I want BMO to reverse the charges, and offer me the purchase protection that lets you get your money back if you’re unable to resolve an issue with a seller directly. The terms of the agreements are clear, To that end, I am requesting BMO assistance in getting my full refund of $3200 and holding the agency accountable.

    • Initial Complaint

      Date:01/11/2022

      Type:Customer Service Issues
      Status:
      Unanswered
      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.
      Received an automated message About credit card fraud, It was a genuine bmo call because they knew the last 4 digits of my cardAnd my name Over 1 hour wait times and still spoke to no one. Was told to call late at night, But an hour and 30 minutes later still on hold. Cannot contact a fraud department cannot reach customer service. I am out of country and unable to go to a bank. *** ****** **** **** ***** ***** ******* ** ** ** ********** ******** **** ** ********** ******* **** *** ** *** ******* ***** ** ******* Communicated with BMo on ******** and they still told me I had to call.

    • Initial Complaint

      Date:12/10/2022

      Type:Service or Repair 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 had a previous Prepaid BMO ********* and it expired Aug 2022. I had to reapply for a new card and asked them to transfer my $435.29 from my previous card to my new card. I have called 5 times and sat on hold for 2 + hours each time, only to be told it was going to be done within 3 business days. This has now been since beginning of September and it is still not transferred to my new card. I work and have more things to do than to sit on hold for hours to get the same answer and no action. Unacceptable and I want this complete. I have called, emailed and now this. I also do not want the $6.95 yearly fee charged as I don't have MY money to spend. I can't even access my old card on line as it shows cancelled. I have a User ID ******* and ticket # ************ from my last call. I am currently on hold again and am at the 1 hour and 25 minute mark.

      Customer Answer

      Date: 02/11/2022

      You can close this ticket as I did get this resolved with BMO.

      Thanks for your assistance *** ***** ** *** *** ****** ** **** ** ******* ** *** *** *** ********** ** ****

    BMO Bank of Montreal is NOT a BBB Accredited Business.

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