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

  
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  BMO Bank N.A.

  1050 Maple Avenue Lisle, IL 60532

  
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  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:03/08/2025

  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.

  I have provided proof to *** as to the amount owed on my mortgage. During COVID, the bank offered me a six month forbearance. I missed six months, but now they say I have missed seven months. I have provided proof in the form of bank statements and cancelled checks showing all payments were made but the six months per our agreement. I have gone in multiple times to the branch, and through email to straighten this out. Each time, I get the run around, different answers and letters telling me I still owed it even with the proof I have provided. When I ask what seventh month they think I have missed, they will not provide any information to me. I have all my statements from my checking showing the monthly payments coming out to them with the exception of the six months and I have my cancelled checks. They have also told me that I signed a contract agreeing to seven months but when I asked my branch for this agreement, I was told there was no contract that they could find. I have since refinanced and this loan was paid in full but *** has an additional payment of mine that they will not refund. This is nothing but poor management on their part and theft. I never missed a payment in all of my years. I was faithful in my mortgage. I abided by the six month forbearance. Please, please help me.

  

  Business Response

  Date: 03/14/2025

  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 consumer was placed in the mail on March 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:03/08/2025

  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.

  I withdrew a $100 bill at ******** *************************************. I went directly to the store and was informed that the bill was counterfeit. I went back to the bank to inform them that the money I got was a counterfeit. The bank kept the $100 bill and did not return the money to my account or replace the ************** a consumer, I understand that the *************** and the **** Treasury are responsible for handling counterfeit currency issues, but I was led to believe that the bank would resolve the matter fairly and return the equivalent amount to me. Unfortunately, despite my attempts to resolve the situation with the bank's customer service or manager (****** ******), I was unable to receive any reimbursement.I am requesting your assistance in investigating the bank's refusal to return my money. I have followed the bank's procedures and am confident that this situation is not due to any error on my part. I believe this constitutes an unfair and unjust practice, and I seek your guidance on how best to resolve this issue and protect my consumer rights.

  

  Business Response

  Date: 03/19/2025

  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 March 19, 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: 03/21/2025

   
  Complaint: 23039819
  
  I am rejecting this response because: I only have 7 days to let you know if the bank is going to reimburse me for the ill gotten funds they took. The bank says that I have to wait at least 7 days for a response. They could have said yes or no on whether they were going to reimburse me. They are going to drag this beyond your timeline.
  
  Sincerely,
  
  ******* ********

  

  Business Response

  Date: 03/27/2025

  The Bank stands by its position and response. We consider this matter closed. As a courtesy, the Bank has resent the letter to ensure receipt. 

• Initial Complaint

  Date:03/06/2025

  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.

  Moved money to a higher yield savings account and was promised a 2% interest rate. Long story short, the banker incorrectly set up the accounts and I was stuck with a 1% rate for about 10 months due to her error. Took me going to physical locations and calling BMO multiple times to even get this fixed. I am looking to recoup the 1% interest for nearly a full year that I have lost out on.. approaching $750 in my estimate. Ive raised this issue to MULTIPLE people at *** and have gotten absolutely no where. People continue to pass the ***** Accounts were originally set up in ****** WI then transferred at a branch in OK due to a fraud attempt. In any event.. its their error and they need to fix it. I do not care which branch the money comes from. Some VP told me its somehow my responsibility to back track and call all these different people for **** mistake.. I cannot imagine a business handling a mistake more poorly.

  

  Business Response

  Date: 03/28/2025

  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 *******, 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.

• Initial Complaint

  Date:03/06/2025

  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.

  Someone made fake transactions to my account. My account is at -$499.32, My account got hacked and now the bank is telling me to pay the money back for $500.32.

  

  Business Response

  Date: 03/19/2025

  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 March 19rd, 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:03/05/2025

  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 got my debit card in the mail, I activated it, and as soon as I did they froze my account. I only found out there was a block when I went to access my account online. I have provided them documents multiple times as they ask and they keep things blocked. They keep saying it will be 3-5 business days. I do not go to a specific location, I bank solely online. I have tried calling HQ but to no avail.

  

  Business Response

  Date: 03/12/2025

  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 March 12, ********************************************* 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.
  

• Initial Complaint

  Date:03/04/2025

  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 have been having this issue with a Loan that Bank of the West sold to ********. Since that time, when I have a late fee, I call and make a payment, I confirm with the agent that the late fee is being paid. When I went to make my payment the following month, I was told I have two late fees. When I asked why, I was told they took the payment and applied it to the interest, the principal, and possibly a late fee. When I said that didn't match my payment book, I was told that was how they process payments. This has been an issue for some time. I was making payments online, but those payments weren't accurate either, and I had to call because I received a letter in the mail telling me they would repossess my car due to the unpaid late fees that were paid. I have never had this issue with any other loan or bill. I never had any idea what amount I was supposed to be paying.

  

  Business Response

  Date: 03/07/2025

  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 ***************************** on March 7, 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:03/04/2025

  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 bank makes false claims to honor ach transactions and count them as qualifying for bonus and says they will make employer deposits qualify toward the 300 bonus. If you get 4000 in deposits you will receive 300 for signing up. After the last banker told me I qualify this lady I spoke to today said I do not and they wont evaluate this. I think this is unfair business practice after they get someone to start depositing their money into the bank each month on an ongoing basis guaranteed they wont keep up their end of the bargain. Another funny thing is they qualify the 25 as a deposit even though it was transferred from another bank but wont honor all of my ach other transfers from ******** to their bank suddenly ? I have attached all deposits since I opened the bank to this dispute. They state that the 25 counts yet all of the other bank to bank transactions dont? Seems unethical. Also I had a deposit of my SDI check on feb 3rd for ******* and I have a postmark deposit ach from postmark who also is technically my employer..431.. my check falls on the 3rd of each month. Would like to understand how the 25 qualified yet the other similar transactions did not. Also the Poshmark didnt qualify and also the ******* in February. They know they are in the wrong and are not out for the good of their customer.

  

  Business Response

  Date: 03/07/2025

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A letter to the customer was placed in the mail on March 7, 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:03/01/2025

  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.

  On 12/02/2024 I opened a business account and I received a email that if i have a personal account and complete a financial review I would qualify for a ************************* to a branch 12/16/24 to open a personal account and do the financial compass to get the ************************************* i do not qualify I would like to #1 file a complaint and have this reviewed.

  

  Business Response

  Date: 03/11/2025

  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 March 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.

• Initial Complaint

  Date:03/01/2025

  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.

  ********, N.A. advertised online that a new checking account customer would be eligible to receive a $350 bonus if the account is open and in good standing and has received cumulative direct deposits of $4,000 or more. A new checking customer, per their definition, is someone who has not received an opening bonus or closed a checking account with them in the last 12 months. For me specifically, I have had an account with ********, N.A. up until Feb 11, 2024, which was closed on that day by me via phone call, with a call record with ************ (BMO's customer service line) shown in the attachment. This year on Feb 12, 2025, I opened BMO Smart Advantage checking account with them. During the application process, I was informed that my promo code of $350 with terms stated above had been applied. Today on Feb 19, 2025, out of curiosity to verify whether or not the promotional code had been truly applied, I called the *** customer service. They informed me that, as shown their system, the checking account was coded as being closed on Feb 12, 2024, making my closure date within one year (12 months) and they hence decided to, contrary to the statement earlier that the promotion was applied, retroactively deprive me of the promotion, despite the account was actually closed on Feb 11, 2024.*** had made a bad-faith denial of my complaint on CFPB by stating the account was actually closed on Feb 12, 2025 due to their internal processing, which was NOT conveyed to me or stated explicitly in the terms and conditions:X. Closing Your Account Subject to Applicable Law, you can close your Account at any time for any reason by giving us written notice. We can close your Account at any time, and we may assess an Account Closing Fee, as disclosed in the Deposit Account Disclosure or the ******************** Fee Schedule.We have the right to advise credit bureaus if your Account is closed for any reason.This says at any time instead of their claimed next business day.

  

  Business Response

  Date: 03/03/2025

  We are in receipt of the complaint for the above referenced customer. The **** has previously responded to this customer regarding their concerns. We welcome the opportunity to respond to the customers inquiry. Another letter to the customer was placed in the mail on March 3, 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. The Bank considers the matter closed. 

  Customer Answer

  Date: 03/10/2025

   
  Complaint: ********
  

  I am rejecting this response because:

  ******** ****** from BMO N.A. is ignoring my concerns for this request by re-using a generic rejection template without even addressing the core issue of this complaint: There is no specified timeframe of account closure in the terms and conditions for the account. The account agreement simply states that the customer has the right to close their account at ANY TIME, NOT SPECIFICALLY LIMITED TO A BUSINESS DAY. The so-called "rule" that an account would be closed on a subsequent business day is NOT explicitly stated anywhere on the document. And the term that ******** ****** is quoting, which is transactions will occur on the next business day, is completely UNRELATED to account closures. They are only using this quoted term to their convenience to deny the customer of the bonus.

  This templated response is unhelpful and is a direct copy and paste from a previous complaint. *** is not responding to the customer complaint's core contention, showcasing their disregard to customers and cruel nature of the pretense that a big bank can bully anyone "smaller" than them. This mentality, to me, is extremely abhorrent  from someone in an established business who should be serving customers.

   

  All in all, the issue is not addressed at all in any way, shape or form, and I hereby reject this logically-flawed reasoning behind the "denial" as they would like to call it.

   

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

  

  Business Response

  Date: 03/11/2025

  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 March 3, 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: 03/11/2025

   
  Complaint: 23005944
  
  I am rejecting this response because:
  
  The business did not address the issue raised up in the rebuttal and is glossing over the questions asked to them. They are trying to close the complaint without addressing the core issue listed in the communication sent to them on 03/10/2025 and is attempting to abuse their option to close this complaint.
  
  ****** *****

  

  Business Response

  Date: 03/12/2025

  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 March 3, 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 this second rebuttal does not contain any new information the Bank has not previously addressed, the Bank considers the matter closed. 

  Customer Answer

  Date: 03/12/2025

   
  Complaint: 23005944
  
  I am rejecting this response because:
  
  The business did not address the issue raised up in the rebuttal and is glossing over the questions asked to them. They are trying to close the complaint without addressing the core issue listed in the communication sent to them on 03/10/2025 and is attempting to abuse their option to close this complaint.

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

• Initial Complaint

  Date:02/28/2025

  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.

  *** lets someone cash a check with my name on it.

  

  Business Response

  Date: 03/06/2025

  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 March 6, 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.