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.

  1712 N. Richmond Road McHenry, IL 60051-5414

• 

  BMO Bank N.A.

  111 W Monroe St Chicago, IL 60603

  
• 

  BMO Bank N.A.

  10 Huntington Lane Wheeling, IL 60090

  
• 

  BMO Bank N.A.

  10 S. Villa Avenue Villa Park, IL 60181

  

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:03/27/2025

  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 opened up several ** accounts with ******** last year. They require that you give them Your home address. I gave them my home address and a mailing address. i specifically asked Not to mail any paperwork to my home address. I gave them my Mailing address which i use for all my ******** and any mail. since i have several accounts with them i received some of my mail at my P.O. box. i noticed that my 1099 did not arrive in the mail i went to the bank and asked for copies of my 1099. they told me that they mailed them out already. They were able to give me copies of my 1099. I empty out my home mail box once every few months to trash all advertisements and junk mail, at that time i found mail from ******** which contains my 1099 and also a letter showing that one of my ** needs to be renewed by a certain date, by that time It was too late to do anything about it because of the date.I went to the bank manage and i explained that they made an error to mail me the notice to an address that i specifically said not to mail to. he said that he was going to look into it and try to fix the problem. i had to pay approximately $1200 to close the ** account.They have not been cooperative to admit that they made the clerical error and have not taken responsibility for their mistake.

  

  Business Response

  Date: 04/07/2025

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A letter was sent to Bravo Mdanat on Aptil 7, 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:03/26/2025

  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 getting monthly statements with a coupon at the end of statement. I would make my monthly payment with this coupon. The last monthly statement I received was Nov, 2024. I called 4 times in Jan,2025 to ask why no more paper statements. Had to leave messages and recording said would call back in 24hrs. Never received a call back. I called 1 time in Feb,2025 and 4 times in March,2025. I have emailed 3 times. No response. I made my Dec, Jan payments from an old statement. Still have not cashed my check. This is an installment loan I have with BMO.All I need is paper monthly statements sent to me through ****.

  

  Business Response

  Date: 04/04/2025

  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 April 4, 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.

  Customer Answer

  Date: 04/14/2025

   
  Complaint: 23118714
  
  I am rejecting this response because:
  I just received the letter today 4/11/25 from BMO. I will accept this letter as long as my statements come starting in May, 2025 as indicated in the letter.
  Also they said they have no record of a payment for Dec,2024 or Jan, 2025. They wanted proof. Here is the proof. It was finally cleared in my bank April 4,2025.
  

  
  

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

  

  Business Response

  Date: 04/16/2025

  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 April 16, 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:03/26/2025

  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.

  Zelle transfer from sender ******* Oshun to my *** account on Sunday 03/23/25 for $150 has not transferred within minutes. I have been lied to by 2 *** representative on the phone stating that I will receive the money in my *** account today, 03/25/25. It isnt in the account yet. I physically entered the bank on 03/20/25 to receive full access to my account with no issues. The teller asked if I was going to transfer money through ***** and I told him yes. But, now I am having issues with BMO Harris Bank telling truthful information about transferring money through Zelle. I asked to speak with a manager and was given a dispute team member instead. I would like to either receive the full amount of $150 or for the money to be returned to sender for a full refund.

  

  Business Response

  Date: 04/01/2025

  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 ******* Oshun on Aptil 1, 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:03/25/2025

  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.

  Payed vehicle loan within 10 day ***** period, due on the 12th of each month, paid on the 20th, posted on bank account on the 21st direct bank transfer from pnc to BMO Harris, they added a late charge because they said it takes 5 to 6 days to process payment, and refuse to waive a late charge that has been taken out of the account, on the 11th day of a 12 day ***** ******* this is the 2nd month in a row they have done this and now the 3rd time in less than a year.

  

  Business Response

  Date: 03/31/2025

  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 March 31, 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:03/25/2025

  Type:Sales and Advertising 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 a $500 promotion requiting $7000 of direct deposit within 90 days. I have attached both the promotion and the list of transactions that are clearly from ************************* which is my employer. I have also included a sample paystub document which should be sufficient evidence that these are legit payments from my employer. The amount of direct deposit is clearly over $7000. The promotion was denied because the bank simply found an excuse to not honor it without any evidence. It's shocking to see a very well-known bank does this sort of dishonest behavior. I called the bank a few times to resolve this and simply all I hear is that they can't help me and they cannot connect me to a specialist who decided the direct deposits do not count. If I can't resolve this, I will file it with CFBP which has been excellent in the past in every instance I have had issues.

  

  Business Response

  Date: 04/04/2025

  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 4, 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:03/24/2025

  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.

  I canceled my *** connect subscription on 2/15/25 since I sold my car on that day. My subscription was renewed on a yearly basis and was charge to my BMO credit card that was on file on 2/7/25. When I canceled my subscription I received an email back stating that *** will prorated my money back and that still hasnt happened. I talk to *** connect customer service on 2/17/25 they also said you should receive $155.50 prorated amount back from the canceled subscription. I tried filing complaint with *** with no response. I have called *** credit card company on 2/17/25 to have them do a charge back since *** connect wasnt responding back . *** SAID to call back on 3/3//25 to give *** connect 15 business days to pay me back. *** connect still hadnt credit me back so I called BMO ON 3/6/25 to do charge back. *** still wont do a charge back when I sent them documentation showing I cancel my subscription and the message back from *** said they will prorated my money back. *** SAID THEY need an email from *** connect stating how much they owe me back. How am I suppose to get that in writing when I have tried and tried connecting with *** connect with no luck. I have never ever had a credit card require this documentation. This is the worse credit card I have ever owned. They dont even stick up for their customers when I had proof showing *** connect owes me prorated amount back and I received a verbal response from *** connect that I should receive $155.50. If *** DOES DO THE CHARGE back *** connect probably wont even response since they never responded to Better business bureau when I filed complaint with them. This is the worst credit card to deal with. They scream when you try to explain and shut you down. Isnt that why you use a credit card to make purchases since it supposed to have the customers back?

  

  Business Response

  Date: 04/07/2025

  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 7, 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: 04/07/2025

   
  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:03/24/2025

  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.

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

  

  Business Response

  Date: 04/02/2025

  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 2, 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: 04/04/2025

   
  Complaint: 23107278
  
  I am rejecting this response because:I dont have the letter  From BMO HARRIS BANK, I  have called and talked to BMO on the phone for four hour talked to four individuals and all four individuals wouldnt give me no answers to the matter at Hand.
  
  Sincerely,
  
  ***** *******

  

  Business Response

  Date: 04/09/2025

  We are in receipt of the rejection for the above referenced customer and welcome the opportunity to respond to the customers inquiry. As mentioned before a letter was sent on April 2, 2025, addressing the concerns brought up in the complaint. We ask that you 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. As a courtesy, we have resent the letter to the address on file. Thank you for taking the time to bring this matter to our attention.

• Initial Complaint

  Date:03/23/2025

  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.

  I received a 1099C from BMO Bank N.A., issued in my deceased wife, ***** ******* name with my SSN. I took the 1099C to the *** branch bank that I use (**********************************************************************) and spoke to ****** **** and the branch manager. The 1099C showed that an amount of $3,702.18 of debt was discharged on account number **********. I received a second ***** that was supposedly mailed to my former ************, ******** address. That 1099C has ***** ******* name and her SSN. It references account number ending in **********. The *** managers were unable to find any account in my profile connected with the account shown on the ************ I opened a fraud report with **** fraud and investigation team, I was told that the fraud team had traced the discharged debt to a BMO Harris Bank checking account that was in Susans and my name. It was closed around 2006, around the time that we were the victims of an identity theft. BMO Harris closed that checking account for us and opened a new joint ********** best I could remember, in November of 2006, I received a call from the BMO Harris Bank Libertyville Branch Manager. I was told that someone had deposited a check to my account and asked to withdraw money. The teller proceeded to turn over to the person, in cash, the entire amount of the balance that we had in our checking account. They also took money out of our savings account. The amount taken was several thousand dollars, more than $5,000. BMO Harris closed our accounts and opened new accounts for us and restored the amounts that had been taken from our ************, 18 years later, *** has decided to accuse my deceased wife of having had debt that resulted from the actions of their employee. They refuse to rescind the 1099Cs. They also have decided that they cant talk to me about it because the 1099Cs are in my wifes name. I want *** to issue corrected 1099Cs to remove this discharged debt from *** records.

  

  Business Response

  Date: 04/11/2025

  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 11, 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: 04/14/2025

   
  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:03/23/2025

  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 2-28-25 I WENT TO THE BANK TO CHANGE THE EXPIRED CD (MORE THAN $700,000) TO A MONEY MARKET ACCOUNT, WHICH I DID BASED UPON A REPRESENTATION THAT IT PAID 2.94 APY INTEREST RATE. A FEW WEEKS LATER I RECEIVED THE ACCOUNT STATEMENT IN THE MAIL SHOWING INTEREST RATE OF 0.80 INTEREST RATE. THEY LIED TO ME AND MY CALLS ARE WORTHLESS. THEY SAY THEY WILL ESCALATE IT BUT ***** RETURNS THE CALL. ***** ANSWERS THE BANK TELEPHONE AND ONE CAN ONLY LEAVE MESSAGES. NO CALL BACKS. THEY ARE A BUNCH OF LYING CROOKS AND NEED TO BE INVESTIGATED FOR STEALING PEOPLE'S MONEY AND SHUT DOWN. THIS BANK DESTROYS THE REPUTATION OF THE ENTIRE BANKING INDUSTRY IN THE **** THEY MUST BE HELD ACCOUNTABLE AND REQUIRED TO RETURN ALL OF THE INTEREST (WITH MY PRINCIPAL).

  

  Business Response

  Date: 04/08/2025

  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 April 8, 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:03/21/2025

  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 regret getting a loan through this company. Before getting my auto loan I never heard of them a day of my life and it should have stayed that way! It would have saved me so much stress and anxiety. Not one rep speaks clear English. All **** are outsourced in a different country which makes the experience much worse because of the language barrier. Even calling to make a payment or ask a simple question always results in a poor experience. I recently went through a hardship and filed BK. Anytime I called to get assistance while going through BK no one ever was able to take my call. I was forced to leave messages every single time although I called l during business hours, or I had call to multiple times, just to be called back 3-4 days later. Thats IF they decided to call back at all. I called the ******* to ask about any hardship programs that they have for people that went through bankruptcy and they said yes. They would reach out to collections to get more information. It took them well Over a month to hear back from collections just to tell me they DO NOT HAVE ANY PROGRAMS AFTER TELLING ME THEY DID!!! This company is the most incompetent, money hungry, low grade banks I EVER DEALT WITH. The customer service is horrible. Here I'm going through hardship and I cannot get any help or accurate answers from this company. NOT ONE of my questions have been able to be answered!!! I call to speak to a representative and I get hung up on. I call back and places on hold for ***** mins at a time! This is unacceptable!!!! I'm a consumer and I have rights!!! I need to speak to a higher up who can help me asap! I feel like I'm being robbed and this is highway robbery. Your **** are very poorly trained I dont know how your business is still open! 

  

  Business Response

  Date: 03/26/2025

  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 completed with ******* ***** on March 26, 2025, addressing their concerns. In the interest of protecting the 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.