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
- 1,386 total complaints in the last 3 years.
- 462 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:06/23/2022
Type: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 June 22, I attempted to withdraw $160 from an ATM in ********, **. at a ************ lobby. I was denied & my account was locked by BMO's ***************** ThIS IS NOW THE 5TH TIME MY ACCOUNT HAS BEEN LOCKED BY THE ***** DEPARTMENT. I have a current active BBB complaint still unresolved complaining about the same incident last month. (BBB complaint #********). In addition to being locked out I struggle to have BMO **************** resolve these issues. ARE YOU LOCKING MY ACCOUNT BECAUSE I AM A MINORITY? IS BMO HARRIS PREJUDICE AGAINST MEXICANS???? Why does the ******************** continue to prevent access to my checking account & why can't BMO's **************** resolve this????????
Business Response
Date: 07/08/2022
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 7/8/2022 addressing the customers 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:06/22/2022
Type: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 have attached a full letter explaining this matter. I have also attached documents with the investigation my bank (***** Fargo) has made.Business Response
Date: 06/27/2022
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 to the customer on June 27, ******************************** 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: 06/27/2022
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:06/22/2022
Type: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 a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion, Equifax, and Experian. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The ************************* which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.1. ********************************** $11,024.00 Acct # **********Business Response
Date: 06/27/2022
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 to the customer on June 27, ******************************** 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:06/21/2022
Type: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 sent a check for $309.36 to my daughter on 4/12/2022 and closed my BMO account the next day. My daughter never received the check and BMO Says that they have NO RECORD OF THE CHECK and cant give me any information about it. All of my receipts and records are attached. HOW IS THIS EVEN POSSIBLE? They wont tell me if the check was cashed. I need to know where my $309.36 is. Please help me.Business Response
Date: 07/13/2022
We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. Letter was sent to ******************* on 7/11/2022 addressing the customers 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:06/20/2022
Type: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.
**************** issues. BMO ********************** has requested important sensitive information be sent to a specific email address but they continually claim they never receive the email.Business Response
Date: 07/06/2022
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 to the customer on July 5, ******************************** 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:06/19/2022
Type: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.
My 36-month CD was mature on 6/12. I want to stop it from renewing. I logged in to BMO online banking and sent them a message to cancel the renewal. They would not allow that. So, I called BMO. They ended up telling me to come to the branch or get my ID notarized. There are no BMO branches in CA. So, I argued with their managers that when I opened my checking account, opened my CD account, transferred money in, I didn't have to leave CA or get my ID notarized. If I had to go to the branch in AZ or get my ID notarized, it would cost me time and money, which would defeat the purpose of saving money. I still have my password and passcode. I have full access to online banking and my email address didn't change but that did not prove to them that I'm the account owner. I made multiple calls. I was on hold for about an hour each time, but none of the managers listen to my arguments. So, I had to do whatever BMO said. I called several places in order to find a notary appointment within the grace ******* I had to print out their document, went to the notary, get it notarized, scan it, then create an account on their message center to upload the copy. I finally did everything within the grace ******* I called them back and talked to a manager, she sent me different instructions that required me to submit the notary's business card. I told her I had different instructions and it did not mention the notary's business card. She said she would not cancel the CD auto-renewal unless I went back to the notary and get his card. It didn't matter that it wasn't easy for me to get there. I've been spending so much time with this. They can't make me go back and forth to the notary because BMO failed to write instructions. Why do I have to pay for the mistake BMO made in the instructions? I never heard that notarized documents are invalid unless a business card is attached. They can look up the notary on CA website. BMO can't keep changing instructions until my grace ****** is upBusiness Response
Date: 06/22/2022
We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customers inquiry. An email on June 22, ******************************** 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: 06/29/2022
Better Business Bureau:
I called them again and I finally get them to close my CD account. I was happy the account was finally closed. The overall experience was still disappointing.Initial Complaint
Date:06/18/2022
Type: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.
Opened a checking and a saving account online around mid April ****. Transferred a small amount of money into the the checking right after opening. 3 days later ***************************** from ********** called me and asked for 3 verification documents. She said my account will be frozen for 1 week and then they will be closed after the 1-week period if I don't provide all the verification documents. I just moved to my shared house and I mentioned clearly I cannot provide 1 of the documents which is the utility ****. It is fine to close my accounts and then send me back my money in a check. After about 2 weeks I received a letter from her confirming my accounts will be closed. However, the problem is until now (close to 2 months) my accounts are just frozen but not closed, which means my money is locked inside. I called multiple times and they said I will need to go in person to a branch to provide all the verification documents to unfreeze the accounts. Wait! You sent me a letter saying that my accounts will be closed but now you ask me to go to a branch to verify myself. This is inconsistent to the information mentioned in the phone call and the letter sent by *****************************. Why go to the branch? This doesn't make sense for the accounts to be closed. I don't have a branch in my state and so I cannot do anything. They created the whole situation to make me cannot do anything in order to lock up my money. If you don't want me as a customer, no problem. Just simply close my accounts and then send me back a check (as promised in the letters you sent - attached). That's all I want. Very simple.Business Response
Date: 07/14/2022
We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A phone call was made to Bon Ham Yip on 7/14/2022 addressing the customers 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.Customer Answer
Date: 07/18/2022
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,
Bon Ham YipInitial Complaint
Date:06/15/2022
Type: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 6-14-2022 I received a call from BMO Harris bank concerning two checks that I mobile deposited.I was told by the fraud specialist that he was locking my account because he had information that the checks that I deposited were going to bounce said he was 95 percent sure and where did I get them? I explained that I sold my car and that I needed him to be 100 percent sure because I may need to contact the police to get my car back.Long story short he was wrong checks posted to my available balance the next day.I called to have my account unlocked so I could access my funds and the problem changed from bouncing to suspect after I explained there mistake to them.Now my account is still locked I have no car and no money for my car.Very disappointed in BMO Harris bank thought I was in good handsBusiness Response
Date: 07/06/2022
We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customers inquiry. A Representative of the Bank spoke to ****************** on June 27, ******************************** 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:06/14/2022
Type: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 deposited a check into my account with BMO and they had my credit on a credit hood until they investigate it and told me it will take up to **** business days and now its going on 16 days and Ive been trying to contact their fraud department but I havent gotten no response and I need to get access to my money in the bank, I even tried calling and been on hold going on 2 hours so I hung upBusiness Response
Date: 06/22/2022
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 6/16/2022 addressing the customers concerns.In 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.Initial Complaint
Date:06/14/2022
Type: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 no longer live by a BMO Harris bank. I called in April to close my account and have the remaining funds ($******) sent to me as a check. I can see in the app my account was closed and a final debit to clear the ****** was made to place my account at a **** balance. It's **** and I still have not received the funds from my account. I called multiple times (every week) to the customer service line and to the branch where I opened my account. I'm told they sent the check but I never received it. They say they need my signature to be able to reissue... they have mailed the form and emailed the form and I have yet to see it. When they email this form supposedly it takes 2 days to get an email with the form I need to sign. I never get the email and I have never received any check or any form to sign from BMO. They are doing NOTHING to help me and still have the funds from my account. When I asked the representative to follow up with me to make sure the issue gets resolved I am told they only take incoming calls and they cannot follow up. Terrible customer service. I have wasted 5 hours of my time sitting on hold and dealing with customer service people over the phone that have not resolved the issue and sent me the money that was in my account at the time I closed it. I would like the funds that were in my account.Business Response
Date: 06/24/2022
We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. Phone call was made to ************************* on 6/21/2022 addressing the customers 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.Customer Answer
Date: 06/24/2022
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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