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:01/10/2024

  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 secured a loan to purchase a boat through Bank of the West. I had no problem setting up my payment system with Bank of the West and all ran smoothly with Bank of the West Then a year or so later, *** takes over the loan. This is when the headaches start. Their website is very difficult to navigate so I tried calling customer service. After providing my social security number, my full name and account number to the lady in customer service, she could not assist me. She wanted to locate a branch near me. There are none. I asked that paper statements be mailed to my address. She told me that she could not help me. This bank has the worst customer service!

  

  Business Response

  Date: 01/17/2024

  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 January 17, ********************************** 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:01/07/2024

  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 submitted three applications for a *** Alto Certificate of Deposit (CD) on December 15, 2023. I wanted to take advantage of their great APY and interest rates and planned to deposit thousands of dollars into their bank via a 12-month CD.My application was declined and no valid reason for why could be provided. See below for the email message that was sent to me. Email title was "Your *** Application has been declined"."Hello *********************, Thank you for your interest in *** Alto. Unfortunately, your account application has been declined. If you believe you have entered information incorrectly, we invite you to re-apply. Thank you for choosing *** Alto."After the first application, I actually did re-submit two more applications just in case I did make an error entering in my information...but I was confident I had not made any data entry errors. Additionally, I just purchased a home so tried applying with my new address as well as my previous address where I had lived for 7 years. After three attempts and declines, I gave up.I also called *** customer service twice (which had extremely long hold/wait times - I ended up requesting a call back each time) to request more information and was not able to receive any clarity on why my CD application was declined. I was only told something may be off with my Transunion credit report/file. This was strange to me as I was not applying for any type of credit - I WANTED TO DEPOSIT FUNDS INTO THEIR BANK. Despite this, I called Transunion and validated with their team that nothing was wrong or inaccurate with my report and they too were confused why *** would be looking at my credit report for a CD account application.Overall, something is not right and I want real clarity on why my application for a CD account was declined three times.Thanks,******

  

  Business Response

  Date: 01/17/2024

  We received the complaint for the above referenced customer. We welcome the opportunity to respond to the inquiry. The Bank sent a written response to the customer directly dated January 17, ****, to address the complaint. Please allow **** Business Days for mailing and receipt. In the interest of protecting confidentiality, we will not be posting the outcome of our review. 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: 01/24/2024

   
  Complaint: 21110560
  
  I am rejecting this response because: I was asked to respond within 7 calendar days to the Better Business Bureau, but I have not received the written response via email yet. The response does state allow 7 - 10 business days for it to arrive.

  If/when I receive it, I will review and respond back accordingly.

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

  

  Business Response

  Date: 01/26/2024

  We received the rebuttal complaint for the above referenced customer. We welcome the opportunity to respond to our customers additional inquiry. We are sorry to hear that our customer has not received the written response dated January 17, ****.  The Bank sent a copy of our original response on January 25, ****. In the interest of protecting our customers confidentiality, we will not be posting the outcome of our review. 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: 01/26/2024

   
  Complaint: 21110560
  
  I am rejecting this response because: I finally received the letter from ******** and unfortunately, the substance of this letter is not sufficient. You are apologizing a lot but not giving any real substance as to why my applications were all denied. In your letter, you state, "Applications processed through a virtual private network (VPN) or using other methods of masking the applicant's identity can cause an application to be denied" and then you later say "to protect all identifies, we do not disclose the exact reasoning for decisions on *** Alto applications."

  My concern here, in the absence of a REAL clear reason for why my three applications were denied is that there could have been discriminatory behavior at play here. I was on a laptop in my own home when I submitted my application and unless something was happening in the background of my computer there was no attempt to mask my identity. This doesn't make any sense to me and I have never had an issue opening a depository account with banks from my personal computer.

  I am at the point where I think I need to consider engaging a legal entity here as it doesn't sound like I'm going to get the clarity I'm seeking with this matter. In your next response, please confirm this and I'll will proceed accordingly.

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

  

  Business Response

  Date: 02/05/2024

  We received the follow-up complaint for the above referenced customer. We welcome the opportunity to respond to our customers additional inquiry. The Bank has reviewed the complaint and has determined that there are no new facts or information provided; therefore, the Bank stands by its position and our response to the original complaint. In the interest of protecting our customers confidentiality, we will not be posting the outcome of our review. Please let us know if we can assist further regarding this matter. We now consider this matter closed.

• Initial Complaint

  Date:01/07/2024

  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.

  I received a cash adance check from a firm based in ** named Cash In Your Case, ****************************************************************************. I had this overnighted to me as a loan against a settlement that I am expecting. The package was delivered via ***** Tracking number ************ by a representative named *****************************. The check was drawn off of a ******** bank and I live in GA. *** accepted the mobile deposit of the check at 12:43 pm informing " This message confirms your deposit, check number ****** in the amount of $2,000.00 has been received. You will be notified separately when your deposit has been approved and processed." I then received a second email from *** at 1:57pm stating " This message confirms your deposit, check number ****** in the amount of $2,000.00 has been approved and processed.It may take up to two business days for the funds to appear in your account. Please retain the check from this deposit for at least 15 days prior to securely discarding it. Do not attempt to deposit the check again. If you have questions, please call **************, option 4." Then at the very end of the day the bank shut down my account and when I called they accused me of committing fraud. Refused to take any of the documentation I had, refused to contact the bank the check was drawn off of, refused to allow me to speak to a supervisor, refused to give me the proper reason as to why they are accusing me of committing as crime and refused to offer a solution. I can not get any one from this bank to release my money, accept my documentation or properly do the job of verifying the check. They even told me that they were sure that I was committing fraud and they would need to revaluate the desire to continue the relationship with me. I am attaching all the documents that they would not accept. They even told me that I didn't get the email stating it was approved. This is not ok.

  

  Business Response

  Date: 01/23/2024

  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, **** 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:01/05/2024

  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.

  January 3rd **** I deposit a check for ******** a fraud alert was put on check for an extended period of time. It's a pension payout. The bank customer service refuse to allow me to speak to the fraud ***** Telling there isn't anything for to do other than wait until Jan 12th to clear

  

  Business Response

  Date: 01/08/2024

  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 January 5, ********************************** 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:01/05/2024

  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.

  My mother passed away 12/1/2022. I was named executor of estate. I was being harassed about payment to her loan after her death and paid the loan off with a certified check from my bank. I have sent them ***************** Letters of Administration, Declarant Information, copy of death certificate. I have sent numerous hours on the telephone getting the run around. Trying to get the title to settle estate. Register of ***** put her raised stamp on letter of administration along with her name. All I want to do is get the title to close the estate as my attorney stated it needs to be closed since it was opened on 2/2/2023.

  

  Business Response

  Date: 01/26/2024

  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 26, **** 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:01/05/2024

  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.

  11/4/23 Someone fraudulently wrote 2 checks in the amount of $8,000 and *** deducted the amount from our bank account.

  

  Business Response

  Date: 01/16/2024

  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 January 16, ********************************** 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: 01/17/2024

   
  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:01/05/2024

  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.

  This occurred today 1/5/24 around 9:20am. The teller who works for *** Harris at location *********** and north Ave in ********* ** in the drive thru line explained to me after I filled out a slip to withdrawal funds of $2,525.00 from my business account that I am not allowed to take the amount of $2,525.00 out and stated the most I can withdrawal though the drive thru line is $2000.00. I asked her when did this change. She stated that this has been going on from some months now. Which is weird because I was just at this location last month and withdrew $3000.00 I believe. She then told me to go inside the bank to withdrawal the funds. Im a person who is very business through out the week and normally dont care about going inside the bank to withdrawal funds out of my account but today I have a lot to do and was not planning on going inside the bank. I then asked for the lady business card she stated that she is a teller and tellers do not have business cards. The reason for this complaint is because I just started banking with BMO bank and ever since I been having issue after issue with someone from the company explaining different amounts of funds that can be withdrawn out of the account. *** needs to have a whole staff meeting with everyone who works at this establishment and let them know whats what so everybody can be on the same page.

  

  Business Response

  Date: 01/25/2024

  We received the complaint for the above referenced customer.We welcome the opportunity to respond to our customers inquiry. The Bank Manager contacted our customer via email on January 25, ****, to address the noted concerns.  In the interest of protecting our customers confidentiality, we will not be posting the outcome of our review. 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:01/04/2024

  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 currently receive cash aid benefits from Stanislaus Countys welfare to work program on a pre paid EBT card. Bank of the West, now called *** bank, allows for non members who receive these benefits to withdraw from their bank without a processing fee under contract with the ***********. On 1/3/24 at approximately 4:25pm I went to the ***/Bank of the West on ********************** road in ******* ** to withdraw $1,000 of my cash benefits from the prepaid card (which I have done every month at the same location for several years). During my transaction the *** screen at BMO bank alerted me that there was a cash dispensing error and that my transaction would be canceled. Finding this odd and unusual I took several photos of the *** alert for security purposes. Before I left the *** I checked my account and saw that the $1000 had been withdrawn by *** even when the *** said the transaction was canceled. I took the *** alert photo, my EBT card, and my ID to the presiding manager of that branch and they refused to help or give me a number to call. The manager said they would not be giving me my money or even checking the *** to make sure my cash was not stuck in the machine. I stated I was not leaving without either my cash or a claim opened but the manager refused since I am technically not a *** customer and told me to leave. I called the corporate *** number on the *** and they too are unwilling to help or even file a claim, check the funds amount in the ***, review videos from the ***, or even allow me to submit the picture evidence I have of the *** saying the transaction was canceled. According to the ******** benefits center the transaction is posted as of 1/4/24 and is considered stolen but because they are not a bank they have no way to run a claim. I have no money to pay my rent and car payment and have 3 kids who have no food. *** is refusing to refund my cash back to my card or in person and I desperately need help before I am evicted for non payment.

  

  Business Response

  Date: 01/17/2024

  We are in receipt of the complaint for the above referenced party and we welcome the opportunity to respond to their inquiry. An email was sent to ***************************** on January 16, *************************************************************** the interest of protecting their confidentiality, we are not posting the contents of the email 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:01/04/2024

  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 opened a credit card account account number ending at ********* *** after receiving the letter about $200 after spending $1000 within 3 months, I spent more than $2000 within 3 months, and so far no $200 bonus reward showing up on my credit card account. Please credit me the $200 bonus for opening the credit card.

  

  Business Response

  Date: 01/09/2024

  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 January 9, ********************************************* 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: 01/17/2024

   
  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. Received confirmation from the business, we are satisfied with the results. 
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:01/04/2024

  Type:Order 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.

  Due to a bank error, I am owed $700.52. For two months I've been waiting for a check. I wanted them just to put the money back into my account, but they insist on mailing a check, which I don't see the reasoning for, but I want the money. I've spoken to a bank manager who said he could not help me. It was their error, and I need the money!

  

  Business Response

  Date: 01/17/2024

  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 January 17, ********************************************* 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.