Business Profile

Bank

BMO Bank N.A.

Headquarters

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

1,385 total complaints in the last 3 years.
462 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.

Initial Complaint
Date:04/23/2025
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.
On 4/15/2025, when I was reviewing the transactions of my Bank of the West Cash Back World Credit Card, I discovered BMO Bank N.A. unilaterally cancelled my credit card without my prior knowledge, and without any reason provided other than *** was entitled to close my account. ********************** acquired the Bank of the West credit card business before my ********* the closing of my credit card, I owe BMO $8.57 credit card debt. *** owes me $7.6 credit card rewards. Any reasonable person would agree that the rewards would be able to be redeemed by me upon the conclusion of the relationship between *** and I, and given it was ***'s decision to end the relationship. But *** forbids me from redeeming my rewards, while demands me to repay my debt. In other words, *** refuses to pay its debt owed to me, but demands me to pays my debt owed to it. *** is a Canadian ********** least two other American consumers have reached out to me on X complaining about the same experience.I demand: *** cancels my debt owed to it, while I give up **** rewards owed to me.
Business Response
Date: 04/24/2025
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 24, ********************************************* 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: 04/25/2025

Complaint: 23241222

I am rejecting this response because:
The business has not provided any meaningful response through BBB. The business is likely using delay tactic in the name of protecting consumer privacy.

Sincerely,

****** ****
Business Response
Date: 04/28/2025
A letter was sent to ****** **** on April 24, ********************************************* 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. 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: 04/28/2025

Complaint: 23241222

I am rejecting this response because:
The company has provided no real reason of its actions.

Sincerely,

****** ****
Initial Complaint
Date:04/22/2025
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.
Received and using BMO Cash Back Mastercard credit card. Rewards for using card 5% back on charged streaming services and another 5% back after one year anniversary.Card opened 08/26/2024.All monthly payments on time.Had accrued several 5% back purchases with matching 5% back due on anniversary 08/26/2025.BMO Cash Back Mastercard terminated without notice by BMO 04/05/2025 and no reason given.Unexpected closure caused auto-monthly charges to be defaulted and accrues 5% bonus rewards forfeited.VERY DISTURBING! Excellent FICO score.
Business Response
Date: 04/24/2025
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 24, 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: 04/24/2025

Complaint: 23236325

I am rejecting this response because: I most likely won't receive their NEW letter of explanation until AFTER my 7 day window closes at BBB. Their original letter of explanation dated April 10 and not received until April 20 was 20 days AFTER my auto-pay accounts were rejected! (Original notification is enclosed as a reference.) Thank you.

Sincerely,

***** *********
Business Response
Date: 04/25/2025
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: 04/29/2025

Complaint: 23236325

I am rejecting this response because: There is no reference to my lost 5% accumulation under original offer of doubling 5% purchases at one-year anniversary.

Sincerely,

***** *********
Initial Complaint
Date:04/21/2025
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.
The business cancelled a credit card I had with them with no warning, the letter following had no explanation as to why, when I spoke with a manager by the name ****, she informed me that it had nothing to do with my credit score or payment history and that was it.
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 placed in the mail April 22, 2025, to the customer, 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:04/19/2025
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.
My Auto Loan with BMO Harris for my 2022 Tesla ******************* was always $1,033.08. Beginning March of 2024, I began making payments to *** for $1,********* April of 2025 I noticed that my next due date on my loan was October 29, 2025. I called *** and they advised that the additional monies that I had paid from March of 2024 to March of 2025; (with my most recent payment being made on March 25, 2025), were not applied to principal; and instead were applied towards future payments, which pushed my next due date to the October 29, 2025.The math is 12 Months of $1,500.00 = $18,000.00 and 12 Months of $1,038.08 = $12,*********, $18,000.00 - $12,396.96 = $5,603.04. On April 9, 2025 I spoke to *** and explained to them that the additional principal that I had paid of $5,603.04 needs to be adjusted so it applies to my loan as One Lump Sum Payment. *** instead Re-Casted my loan from inception and incorrectly re-applied my additional monies; in turn actually increasing my Principal/Pay Off amount. My current Principal Amount is $30,281.09; which is Incorrect. My Principal amount should be $30,281.09 - $5,603.04 = $24,678.05. When I called in on April 15, 2025 the representative advised that they would reverse the changes that were made to my account on April 9, 2025. Then they again Incorrectly took the last 2 months of payments that I had made and applied them to my last 2 recent months. This made my loan 2 months Past Due, which does not make any sense since I was paid in advance by 7 Months.I need my Loan Balance Corrected on an Immediate Basis.
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. An email was sent to ********* ********* on April 22, 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:04/18/2025
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 have a perfect account standing with my BMO credit card. I payed in FULL and on time each time. Then I requested my cashback rewards and then my account is closed. I called 4 different number from *** which all employees stated they can't see that info to as why my credit card was closed, but did do their written spiel about how *** has the right to close any account at any time for any reason. That is fine, I don't really need the card. BUT *** must tell an account holder what decision they chose to make that call. It's not even company protocol for any company to deny a customer a service without a reason. Just state the reason. As it stands right now on line on multiple platforms, peoples accounts where closed as soon as they asked for their cash back rewards. So, I am assuming that is the reason due to the thousands of reports on this topic. But still, *** must state to its customers why they choose to close someone's account, especially when they had a more than perfect record of paying in full and on time. It's a black eye on *** and lots of content creators are reporting, which is good for the public to know. I am just requesting a reason, nothing more. Just give me a legit reason. I believe that is my right.
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 placed in the mail April 22, 2025, to the customer, 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: 04/26/2025

Complaint: 23222611

I am rejecting this response because: The letter sent to me is just the same copy and paste response stating that according to their rules they can cancel anyone at any time for any reason. Im still waiting on what the reason was to cancel my card. I believe I have the right to know this information. All I want is the actually reason. I paid all my statements on time and in full. So, somehow that makes me a red flag to cancel me? It doesn't make sense. What makes more sense is what the multitude of x-BMO credit card users are saying as to why they were all randomly closed as well. I'd like *** to tell me themselves why they chose to close a perfect paying, on time, account. Otherwise,the statements being made on-line by others with the same issues seems to be the most plausible. As soon as people, and myself asked for our credit rewards, then accounts were closed. I don't mind that the account is closed, but I do mind that there is no reason given. If you notice, BBB,that *** did NOT tell you why they closed my account. Instead *** stated that they sent me a letter, which I received today 4/26/25, and it does NOT state the reason why. So, NO they did not tell BBB or me why they chose to close my account. It's very suspicious and unprofessional to not be able to give a customer a reason to why they closed an account. I hope BMO understands that comments on-line are making their situation worse and giving them a bad name to do business with. Seems like they have an agenda and have much to hide.

So once again I'm still asking for the REASON why *** chose to close my account. May I please have the real reason or do I need to file a FOIA report? The Freedom of Information Act, 5 U.S.C. 552

I'd have to wonder if the ************************ is aware of the growing number of people, they are doing this to?

Sincerely,

****** *******
Business Response
Date: 04/28/2025
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: 04/28/2025

Complaint: 23222611

I am rejecting this response because: Can we please stop paying games? This is the letter I UPLOADED showing that BMO never explained why they closed my account. I'm still waiting on the reason for the closing of a perfectly standing account. So once again, please tell me WHY you chose to close my account when all payments where made on time and paid in full.

Sincerely,

****** *******
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: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,

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

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