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

  
• 

  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:02/05/2025

  Type:Customer Service 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 did a wire transfer from my fidelity account to ********. However, someone at fidelity side mistype the account number to the routing number. Instead of call me back to verify the account number, ******** simply returned the money to fidelity and charge $31 for $2750 transfer. I called *** before to confirm they don't charge for incoming transfer and the out bound transfer is less than $20. I also called *** asking if they could refund the money. But they said because I'm not their customer, they cannot do that. I called fidelity, they said it is BMO who charged the money and they should return the money.

  

  Business Response

  Date: 02/07/2025

  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 February 7, 2025,addressing their concerns. In the interest of protecting the 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: 02/10/2025

   
  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:02/04/2025

  Type:Sales and Advertising 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.

  We are a government agency located in *******, ** (***************). Every day *** bank has been calling us with an automated message. As an office, we do not bank with ***, and no individual in this office banks with ***. I called their number and asked them to stop calling our office. I gave them our telephone number and the individual on the phone couldn't associate our phone number with an account and wanted my name which I refused to give to her. We are still continuing to get the same automated calls from *** and I just want them to stop calling and wasting our time. The number I called to ask for them to stop calling was ************.

  

  Business Response

  Date: 02/18/2025

  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 **** N on February 18, ********************************************* 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: 02/19/2025

   
  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.  Shortly after I filed my complaint, we received a phone call from *** and figured out why the phone calls were happening daily.  They have removed our phone number from that individual's account. Thanks for your help.
  
  Sincerely,
  
  **** *.

• Initial Complaint

  Date:02/04/2025

  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.

  Since *** took over the Bank of the West I have been unable to use the online banking service They say we do not recognize my information This has caused me to be late on bills and ruined my credit

  

  Business Response

  Date: 02/05/2025

  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 sent to ****** ****** on February 5, 2025,addressing their concerns. Please allow 7-10 days to receive the letter. In the interest of protecting the 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:02/03/2025

  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.

  Contacted BMO Harris afternoon of Feb 3rd as to why I could not access my account. I use BMO ********************** to move money from *** ****** to ****** *** to pay my US graduate loans every month. The customer service *** refused to verify my identity even though I can provide my debit account number, US tax ID, email, phone address, etc. All these things and more (passport, etc) were submitted in 2021 when I first opened the account. They refused to verify my ID and refused to transfer me to the fraud department. They demand that I incur a fee for a notary in ****** to independently verify my identify. When I asked why they can't use any of the other ID on file from 2021 the manager rudely responded "well things change" and refused to provide any further info on where my funds are. I suspect they have misappropriated my funds or otherwise compromised my account. I stated that I would be following up with a formal complaint to the ************************************ (which I have - complained #******-18536497) and the BBB. It is ridiculous that I as a customer would have to incur a notary fee for what is obviously BMO Harris' mess-up. They have stolen money from me. 

  

  Business Response

  Date: 02/05/2025

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A letter to the customer was placed in the mail on February 5, 2025, 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:02/03/2025

  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 deposit a check in my account and it bounced. So they took the money back . But now there are holding all my money and won't let me have my money . I just lost everything in the LA fires and they didn't even tell me my account was frozen. I went to get food for my family and card was denied . I went it the branch they said it wasn't there problem. I asked to close my account. And they won't let me or let me have my money . I'm sleeping in my car with 2 kids on the streets. The will let me put money in my account but won't let me take money out .

  

  Business Response

  Date: 02/12/2025

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A letter to the customer was placed in the mail on February 12, 2025, 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:02/03/2025

  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.

  I opened a bank account in *******, ********** with the bank called *** this bank is all over **********. I moved from ********** to *******, ********. Theres no *** Bank around anywhere come to find out the closest. ******** is in *******, which is over 200 miles away I closed the account cause there was only online access for me. I needed a statement stating that I had closed the account and that there was nothing in it. I call ***. They tell me they cant give me a statement over the phone or email me a statement or text me a statement nor could they send me a letter that the account closed. She suggested that I go to **************** to get a statement mind you 200 miles away and there was no guarantee that they give me a statement then either what the Hades does that mean this bank needs to do better very disappointed now I cant prove that this bank account is closed.  

  

  Business Response

  Date: 02/04/2025

  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 February 4, 2025,addressing their concerns. In the interest of protecting the 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:01/31/2025

  Type:Sales and Advertising 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 received a flier to open a BMO relationship checking account and would receive $600 if I deposited $10,000 within 3 months. I opened the account online and was immediately prompted to set up a transfer, so I moved money from my other online banking account to set up the *** account. I later received a call telling me I was required to go in person to the bank to show my ID and finish setting up the account. I couldn't talk, so I chatted with an agent later. I was informed my account wasn't completely set up until I showed physical ID at the bank. There was no mention of this when I signed up for my account online and it really seemed like my account was active. Due to my work schedule, I use online banking because I don't want to take time off work to go in person. She said that the $600 bonus would not be given to me until I finalized opening my checking account and activating it. Despite having money in the account, it was not active. I asked to just close the account on *********** and it cost me $50. If I hadn't initially transferred money to the account (like their first email to me suggested I do), it would have been free to close the account. The other option was to leave it open for 3 months then close it, but I wasn't comfortable leaving money in a semi-active account so I asked for my money back and to close the account.******** was deceiving in how one is to open an account, then was able to make $50 off me for closing a partially active account, not even an active one. I'd love to get my money back since they were not clear that I needed to finalize opening the account in person. Had that been a clear statement on the website or during the process of opening the account, I wouldn't have done it.

  

  Business Response

  Date: 02/14/2025

  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 February 14, 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: 02/17/2025

   
  Complaint: 22885289
  
  I am rejecting this response because: the business said they will take 7 days to review the response. Since I also have 7 days to respond to BBB, I would like more time to hear what the response will be from the business and then have 7 days to determine my evaluation of the response. I'm not necessarily rejecting the response, I'm just asking for more time to hear the business response. Thank you.
  
  Sincerely,
  
  ******* ********

  

  Business Response

  Date: 02/24/2025

  The Bank has reviewed your complaint and has determined that there are no new facts or information provided; therefore, the Bank stands by its position and our response to your original complaint. 

  Customer Answer

  Date: 03/01/2025

   
  Complaint: 22885289
  
  I am rejecting this response because:

  I received the letter from ******** discussing when I opened my bank account and pointing out the *** Handbook information on closing an account in Section X. I was aware of this clause when opening the account. However, I still believe the bank has deceptive marketing online and I would have not opened the account had I known I needed to go in person to show identification. I've opened online bank accounts before and the entire process has been virtual. The advertising by *** made it seem like everything would be taken care of online.

  The following attached screenshots shows the impression a future client has with working with *** to set up an account.

  Screenshot2 shows the new of being able to quickly open an account "online in minutes" with no indication of needing to go in person to a bank. Superscript 7 is included in Screenshot3, with no indication of going to a branch in person.

  Screenshot4 is from the *** Handbook and states the new account opening procedures. It states that financial institutions obtain, verify, and record information that identifies the new client. Under the "What this means" section, there is no indication that this obtaining, verifying, and/or recording needs to be done in person at a branch. Since other online banks can do this virtually and the website heavily advertises opening an account online, a new client can easily be under the assumption this entire process can be done online.

  Screenshot4 again shows a different page for different ways to open account including opening online, calling, or visiting in person. Super script 2 is included in Screenshot5 and the link to the *** Security Center does not indicate a person needs to go in person to finish the online application.

  In addition to the confusing marketing, the website is set up to immediately ask a user to transfer money upon opening an account online. A *** representative told me had I not transferred money, then I could have closed the account without a fee. However, due to a quick screen change after opening the account to then transfer money, it locks the new client in to partially opening an account with no way out.

  I read everything thoroughly and it was not clear that I would be required to go in person to finalize opening this account. Since it was partially opened online, I didn't understand what that meant (there is no documentation on the website for a partially open account) and I chose to close it. Due to the deceptive website wording, I am requesting my $50 be returned to me. And please consider updating the website to make it more clear that opening an account in minutes online will also require a trip to a branch in person.

  
  Sincerely,
  
  ******* ********

  

  Business Response

  Date: 03/10/2025

  The Bank has reviewed your complaint and while we still stand by our position and our response the **** has agreed to refund you for the closing fee in the interest of customer satisfaction. A check will be sent to your address on file. Please allow up to ten business days for receipt.

  Customer Answer

  Date: 03/14/2025

   
  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:01/31/2025

  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.

  This is the first email I sent.January 12, 2025 HELOC #xxxxxx When we opened my HELOC my credit limit was $96,000. A couple of months ago you cut me off at $65,000 with no warning or prior discussion. I feel this is false advertising. When I called to ask why, I was told that my credit score had gone down. You never asked permission to pull my credit. You never told me I had to maintain a certain score. You never asked me anything about my financial ************ credit score does not reflect Any rental homes Any property owned free and clear Any rent coming in.Any crypto owned Any stocks owned *************** and their income I would say these items are pretty ************** home is worth approximately $700,000 and is free and clear except for your heloc. If I were to default, you could sell it for $100,000 in one day and get fully paid off with a little to spare.I have never missed a payment and usually pay more than the minimum.What is the problem???I look forward to your answer by January 20, 2025.Thank you.BMO responded back  

  

  Business Response

  Date: 02/07/2025

  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 February 4, 2025,addressing their concerns. In the interest of protecting the 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:01/31/2025

  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.

  I am not responsible for the debt alleged by *** HARRIS. There is no agreement between me and BMO HARRIS, and they have not provided the original contract as requested.

  

  Business Response

  Date: 02/05/2025

  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 December 2, ********************************************* the complaint. We have sent an additional copy on February 5, 2025.  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:01/31/2025

  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.

  I am not responsible for the debt alleged by *******. There is no agreement between me and *******, and they have not provided the original contract as requested.

  

  Business Response

  Date: 02/05/2025

  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 December 2, ********************************************* the complaint. We have sent an additional copy on February 5, 2025.  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.