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:01/11/2025

  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 *** personal checking account and it had taken a long time to repair my consumer reports after suffering a devastating identity theft not long ago. I was very proud of getting this account and was excited to finally be a part of the *** family. My initial deposit was a check I received from a friend but she was unaware of a restriction she had on her account that caused the check to be returned. Neither I or her were aware of the restriction and thus had no control the check being returned. Since the account was under 90 days of being opened, *** closed my account as quick as I had opened it. I plead with them to have a second chance to exchange the deposit but they refused and said I was too high risk. I think that it was completely unfair and unnecessary for them to be so harsh on me especially since it was one of my first accounts since the identity theft. They treated me as if I were a criminal even though I begged them to reconsider their decision. They told me they would put an appeal in with the security team member that made the decision but I heard nothing back. I decided to drop another application in and I was approved and granted a second chance but when I went to enter my trial deposits for the initial deposit it gave me an error message and required me to call in only to be denied my account. I had turned in all proper verification documents as requested every time and there was no reason to treat me as they did.

  

  Business Response

  Date: 01/22/2025

  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 sent to ****** ********* on January 22, 2025, addressing their concerns. Please allow 7-10 days to receive the letter sent via ****. 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:01/11/2025

  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 several issues On Aug 23rd *************** issued a refund for $50.00. On 11/18 I spoke to a *** supervisor named Chia and I sent her the receipt that *************** sent me showing it was sent to my bank account and I never received it. It is attached. *************** said once they sent it to my bank, it's out there hands. I was charged $2.99 on 9 different times. I read that it's a scam when it's charged that many times and I don't have any subscriptions or bought anything via ******. I have attached pictures of the charges and screenshots showing I have no subscriptions or recent purchases. As well as what I read about scams. I was charged $49.50 for T-Mobile and it was refunded to me with 3 payments of $16.50. The Mobile account was closed. Now on 12/9 *** allowed a $66.62 payment to an account that's closed. If it wasn't for these mistakes, my account wouldn't have been overdrafted. My account currently shows I'm -$31.  

  

  Business Response

  Date: 01/23/2025

  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 January 23, 2025, addressing their concerns and providing instruction. 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: 01/27/2025

   
  Complaint: 22799377
  
  I am rejecting this response because: I have not received a letter and my bank account has not been refunded. I would like to speak to someone via email so that there is a record of the conversation in case I have to go further and get legal help if the BBB is unable to help. Unfortunately I have spoken to **** customer service **** and the supervisor named Chia that works for the bank and I've gotten nowhere since September. 
  
  Sincerely,
  
  ******** ******

  

  Business Response

  Date: 01/28/2025

  We are in receipt of the rebuttal 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 January 23, 2025, addressing their concerns and providing instruction to the customer. In the interest of protecting our customers confidentiality, we are not posting the contents of the letter in this forum. As the rebuttal contains no new concerns the Bank has not previously addressed, we consider the matter closed. 

  Customer Answer

  Date: 02/04/2025

   
  Complaint: 22799377
  
  I am rejecting this response because:

  I spoke to Jasmine and she stated she found the $50 from *************** however she said she had to open a claim for me to receive it. I had to email the proof even though I already sent it to **** in November. Jasmine stated I now have to wait up to 45 days for *** to look into it. I don't understand why I have to wait.

  Jasmine also opened a fraud claim in regards to the ****** charges and TMobile charges. A known scam with that many charges should never have been allowed in the first place. I also have to wait up to 45 days for this as well. 

  Jasmine stated that my account is overdrawn $31 due to the charges that they paid ****** (a well known and documented scam). She said that *** has already closed my bank account and has reported me to check systems and to the credit bureau. The only way to clear it up is for me to go ahead and pay them $31 or wait the 45 days for *** to research everything AND then I have to call them to request they update check systems and my credit. This is absolutely ridiculous! 

  I am NOT happy at all as of 2/4/25. This is now effecting my credit as well as my money. I can't open a different bank account to even cash the checks Jasmine stated I would receive after the investigations now that they have reported me to check systems. 

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

• Initial Complaint

  Date:01/10/2025

  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.

  I am fill complaint against this company because I try get my account fix when I called customer service they are rude and didnt listen what I say because I need change my address and a phone number was worked they basic lock me out and I do have bank account with this bank

  

  Business Response

  Date: 01/23/2025

  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 January 23, 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: 01/24/2025

   
  Complaint: 22794117
  
  I am rejecting this response because: my reason is complaint is that my account is locked up because I try fix in call  customer service they refused to help me also I would love like speak a supervisor this you didnt read I say in the full complaint 
  
  Sincerely,
  
  ****** *******

  

  Business Response

  Date: 01/24/2025

  The Bank stands by its position and response. Please allow up to 7 days to receive our response that addresses the concerns brought up in the complaint. 

  Customer Answer

  Date: 01/27/2025

   
  Complaint: 22794117
  
  I am rejecting this response because: okay please sent letter into my email I would love read that one two I been requesting their boss many time about their employee was being unacceptable and I need help please I understand it 7 days 
  
  Sincerely,
  
  ****** *******

• Initial Complaint

  Date:01/09/2025

  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.

  Hi there I want to file a complaint and dispute there with ******** there they wont release my funds and wont send a check to me there there across the border but I dont drive and also there I have seizures there now how I can get my funds there I ended them for my bills there going off

  

  Business Response

  Date: 01/21/2025

  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 January 21, 2025,addressing their concerns. Please allow 7-10 days to receive the letter sent via ****. 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: 01/21/2025

   
  Complaint: 22791663
  
  I am rejecting this response because:
  Did they close it out the account and if so what is the total amount they are sending
  Sincerely,
  
  ***** *****

  

  Business Response

  Date: 01/24/2025

  We are in receipt of the rebuttal for the complaint for the above referenced customer and welcome the opportunity to respond to the customers inquiry. The Bank responded again to ***** ***** via email on January 24, 2025. In the interest of protecting our customers confidentiality, we are not posting a summary of the correspondence in this forum. BMO Bank N.A.considers this matter closed. Thank you for taking the time to bring this matter to our attention. 

  Customer Answer

  Date: 01/24/2025

   
  Complaint: 22791663
  
  I am rejecting this response because: thank you 
  
  Sincerely,
  
  ***** *****

• Initial Complaint

  Date:01/09/2025

  Type:Billing 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.

  Reversed a payment (which they admitted was a system error) and won't reapply it, despite no credit to our bank account. Set up for monthly auto-pmt = Debit 5/24/24 & applied 6/14/24 (no explanation as to the date discrepancy) | Reversed "to reapply" 6/14/24 (no ************** on that date) | Debit 6/26/24 & applied 7/1/24 | Debit 7/24/24 & applied 7/26/24 | Debit 8/23/24 & applied 8/28/24 | Debit 9/23/24 & applied 9/26/24 | Debit 10/24/24 & applied 10/28/24 | Debit 11/22/24 & applied 11/27/24 | Debit 12/24/24 & applied 12/27/24. Several *********************** have been submitted for reapplication of the reversed amount, but continually told it was reapplied. I have requested a statement of proof as their own payment log and our account balance does not support their claim that it is corrected. *** has stolen one of our monthly payments ($681.92) and essentially shows us owing more than we actually owe.

• Initial Complaint

  Date:01/08/2025

  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.

  No one in customer service (800 number) helps me. Everyone says my account is not locked. I have many negative remarks on my credit because I cant use online banking for bill pay and I am a single mom of 4 with a full time job working 50hr a week. I cant call in all the time for ***** min to make a payment. And everyone just says my portal is fine AND IT IS NOT. Messaging on the app just tells me to call support. I am asking for this to be immediately fixed and negative remarks and late fees removed. I have spent countless amounts of time for months on hold or being out on hold etc and nothing is resolved. I am beyond fed up.

  

  Business Response

  Date: 01/15/2025

  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 January 15, 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: 01/21/2025

   
  Complaint: 22786278
  
  I am rejecting this response because:
  
  Sincerely,
  
  ****** ********

  Customer Answer

  Date: 04/04/2025

  Complaint: 22786278
  
  I am rejecting this response because: Still have the same issue BMO they STILL HAVE DONE NOTHING to resolve this issue AGAIN this is not an issue of being able to log in this is an issue of being able to MAKE ONLINE PAYMENTS This has been going on for literally an entire year!!!! Finally today someone said they see the problem. Yet instead of continuing the assist in resolving it they hung up while I was still on hold. I am STILL requesting ALL negative marks removed and ALL late fees currently on account and past paid late fees being waived and reimbursed. There is a suspension lock accord to the lady today due to a bank account issue for an account I havent had active for quite some time. I do not have the time to go into branches for payment. I do not have the time to call in and then on top of it be hung up on to resolve issues and try to make payments. I am a single mom of 4 and this customer service is the worst I have EVER experienced aside from **** Eats. If it wasn't for the interest rate I wouldve left *** a long time ago on this loan.
  
  Sincerely,
  
  ****** Williams 

  

  Business Response

  Date: 04/11/2025

  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 11, 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: 04/11/2025

   
  Complaint: 22786278
  
  I am rejecting this response because:

  my issue was not actually addressed in their letter  I did not state I could not log in  I stated I could not have any payments processed  I FINALLY had someone from BMO say it was because of a suspension on a bank account I dont even have or use any longer  she then put me on hold and the line was disconnected and no one attempted to call me back  I requested all late fees waived she said she could only waive one and I have no way of finding out if that happened  I still want to be reimbursed for fees Ive paid any outstanding and removal of negative remarks from my credit  a couple days after that call I received an email saying the suspension was lifted just to find I have zero ability to log in as they systems state none of my information matches their records how convenient. My social my email and my name do not match their records. Again I do not have the time or ability to call in for payments this is THE WORST experience Ive had with a company. If it wasnt for the interest rate I wouldve refinanced a long time ago. Their mailed letter just stated they saw I had logged in several times. THAT WAS NOT THE PROBLEM. I could log in but I had no access to make payments. Now I have no access to log in and supposedly would have access to making payments. Again. I want a refund on late fees, waiver of any outstanding late fees, and removal of negative remarks on my account.  

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

• Initial Complaint

  Date:01/06/2025

  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.

  On Dec ****** while in ******* on Vacation i discovered my zelle was restricted because of ******* ******* in the amount of 100$ in an effort to resolve peacefully I contacted Ms ******* and the bank. I and Ms ******* have done everything they've asked with only rudeness and no resolve.

  

  Business Response

  Date: 01/14/2025

  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 January 14, 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:01/06/2025

  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.

  This is regarding my *** credit card.I have sent in several faxes now. I opened a claim on purchase $****** on May 11th for *******, on 5/8 I also had a charge from them for $******, which was all the refunds you referenced on the letter for claim c-***********. These refunds when to that order, not the claim I opened.I am very frustrated because if someone did math here, they would see those refunds all total $******.I need this claim reopened and interest also refunded to me asap.For reference:Charged $****** 5/8 Charged $****** 5/11 Refunded:44.32 5/18 44.55 5/18 30.17 5/20 83.04 5/22 54.48 5/22 21.42 5/23 23.42 5/26 Totaling the charge for ******, NOT anything refunded for the charge of ****** which is WHY I opened this claim and told the agent this maybe half a year ago!I never got my order so I need this fixed!!!I need the refund for ****** plus interest accrued!

  

  Business Response

  Date: 01/17/2025

  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 on January 17, 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: 01/17/2025

   
  Complaint: 22773499
  
  I am rejecting this response because:
  Until I see that letter and get my money back, Im keeping this open
  Sincerely,
  
  ***** *****

  

  Business Response

  Date: 01/21/2025

  We are in receipt of the rebuttal complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. As previously indicated, a letter to the customer was placed in the mail on January 17, 2025, 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 information the Bank has not previously addressed, the Bank considers the matter closed. 

  Customer Answer

  Date: 01/21/2025

   
  Complaint: 22773499
  
  I am rejecting this response because:
  I have NOT received the letter.

  I sent in all the numbers clearly showing i was never refunded for the amount i inquired about. THIS HASN'T BEEN FIXED.
  Sincerely,
  
  ***** *****

• Initial Complaint

  Date:01/05/2025

  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 was on vacation in ********* in October of 2024 and got robbed. This is going on 3 months now that I put my dispute in to resolve the Issue. I had approximately $1500 stolen from me and I had the police officer that was on the case call the branch in the town I live in to explain to them that I did in fact get robbed and that the dispute that I am trying to make is in fact legit. I just called last week to get a update on it and the **************** and Branch both don't have a clue where the dispute is today so I thought reaching out to the BBB may help resolve this issue. 

  

  Business Response

  Date: 01/17/2025

  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 January 17, 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:01/03/2025

  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.

  13 month ** matured on 12/18. I was out of the country for the holidays and could not visit the branch office to withdraw the principle from this account. Upon my return 01/02/2025 I visited the branch office and was told the ** automatically was renewed into a 12 month ** and if I wanted to withdraw it I would be charged $412. This matter was escalated to the branch manager then the region president without resolution.   

  

  Business Response

  Date: 01/09/2025

  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 January 9, 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.