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.

  3202 N. McFarland Rd. Rockford, IL 61114

• 

  BMO Harris Bank

  750 Washington St Valparaiso, IN 46383

• 

  BMO Harris Bank

  10705 Broadway Crown Point, IN 46307

• 

  BMO Harris Bank

  200 W Ridge Rd Griffith, IN 46319

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:02/28/2025

  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 paid off my boat loan and I cannot get any access to my account. I had to estimate my payoff amount and sent them a check for over the amount. They are refusing to give me any information on the status and if they actually sending me my title at all.

  

  Business Response

  Date: 03/11/2025

  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 11, ********************************************* 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:02/28/2025

  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.

  My husband and I both have *** **** at this branch. They matured Jan 2024 at a low interest rate, we went into the branch in April 2024 and rolled them into new *** CDs at a better rate. Unbeknownst to us, they rolled them into regular CDs. In January 2025 we both received 1099 notices stating that the funds we distributed, instead of rolled, causing us to have huge tax consequences. I notified them and the branch manager agreed that it was their error and agreed to correct by re-issuing the cd's back dated to reflect to interest rate from last year. They have re-issued the **** but none of the information is correct, wrong dates, interest rates, etc. I also complained to their complaint department but was told I can only work with the branch, not escalate it beyond that, nor will they give information to contact the *** department or higher management. They have also not corrected the 1099's so we cannot get our taxes completed. I am also filing a complaint with the Office of the Comptroller of the Currency's , but seeing all the recent complaints on here I am not very hopeful that this will be corrected anytime soon.

  

  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 customer was placed in the mail on March 14rd, 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: 03/24/2025

   
  Complaint: 23001575
  
  I am rejecting this response because: I have not received the response from BMO yet.  Latest notification said it was mailed on the 14th and I was hoping to still receive it. 
  
  Sincerely,
  
  ****** *****

  

  Business Response

  Date: 03/24/2025

  The letter has been reprinted and  sent on 3/24/2025 .  

   

• Initial Complaint

  Date:02/27/2025

  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.

  Discovered check fraud against my account in December, dating back to August. I couldn't stay on top of my statements during this period due to a difficult pregnancy, emergency C-section and subsequent recovery of my wife during August-November. The bank undeniably transacted the fraudulent checks that were not properly payable (per UCC *****). The checks omitted all information pertinent to my account aside from the account number. The bank has not answered why they did this, how it happened, or why they feel they were within their rights to do so when there was no identifying information (business name, routing number or signature/endorsement). Hiding behind the *** code of a fixed reporting period (***** C-D) in their handbook, they neglect to recognize that that same code (***** E) states that the customer cannot be precluded from reimbursement outside of that time period when the bank did not exercise care in handling the transaction, and that failure substantially contributed to the loss. It is undeniable that *** failed to properly examine these checks, as they are clearly NOT properly payable absent information required to even seem legitimate. In ******** terms, ***'s response to this issue is simply "We gave almost $17,000 of your money away improperly, and we're not taking responsibility based on a selective interpretation of the relevant UCC code. We don't feel that we need to speak to you personally about this issue either". **************** during this event has been non-existent. The initial complete denial wasn't communicated to me, emails have been ignored, and the final denial outside of the 30-day window offered no avenue of appeal, nor acknowledgment, apology or recognition of ***'s fault in giving away my money so easily. I have banked with *** since they were M&I Bank, as long as I've been in this country, and I'm absolutely horrified by how they have behaved.

  

  Business Response

  Date: 03/12/2025

  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 12, 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: 23000160
  

  I am rejecting this response because: I have not yet received the letter they claim to have mailed in response to the original complaint. As Im sure you can understand, without seeing their actual answer, I cant post an informed response until see what they actually have to say.
  
  Sincerely,
  
  ***** ******

  

  Business Response

  Date: 03/27/2025

  The Bank stands by its position and response. We consider this matter closed. As a courtesy we have resent the letter sent on March 12, 2025. In the interest of protecting our customers confidentiality, we are not posting the contents of the letter in this forum.
  

• Initial Complaint

  Date:02/27/2025

  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.

  There was a double payment on my account. There was a transaction done on January 2nd 2025 for ****** for a rental contract through ****, i swiped and the money was out of my account. February 3rd I paid off balance on credit card. Once contract with **** close all final charges from what I paid January 2nd popped up on credit card statement. The money was already on hold and was supposed to be released as final at end of contract. The money I paid on February 3rd which the bank (***) said wouldn't post till feb 5th 2025. February5th the finalized charges that popped up on my statement, were deducted from my available credit limit which wasn't supposed to come out of that available balance, it was supposed to be deducted from the pending hold of ****** swiped on January 2nd. There is a double payment and the extra payment is magically just gone. Which is very frustrating. I have been dealing with this since February 5th. I have been rudely hung up on. There were a couple agents who were able to help me and told me to dispute but dispute department did not help me not one bit to dispute the transaction. I was told by the company **** (rental company) that I need to do a dispute and they sent over all documentation, *** is claiming they did not receive. They will not listen to me and what is going on please help me resolve this. I have children and I am a travel nurse and this has been a major inconvenience to my children and I. ************ 

  

  Business Response

  Date: 03/10/2025

  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 *********, 2025, addressing their concerns. Please allow time for mail delivery.  In the interest of protecting our customers confidentiality, we are not posting the contents of the letter in this forum. Please let us know if we can assist further regarding this matter. Thank you for taking the time to bring this matter to our attention.

• Initial Complaint

  Date:02/27/2025

  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 made a $6,304.68 mobile deposit into my BMO checking account on Feb. 24, 2025 of a personal check from my husband. It cleared his bank, ****, on Feb. 25th, the next business day. Today, Feb. 27th, two days after *** collected the funds, I called *** to find out why there was still a hold on the funds until MARCH 5th. I spoke to a supervisor at the corporate office who told me there was no one who could help me over the phone, that I would have to get the hold released my a banker at my location. I called the bank manager at my location, and she said a hold placed by corporate could not be removed by the bank. She said the notes indicated they had put a special extended hold on the check due to concern of collectability. Pointing out the check had already cleared and *** had been in possession of my funds since the 25th did not help. This bank, infamous for fraud and money laundering, is giving me the runaround, each saying only the other "arm" of the bank has the power to release the funds they have been in possession of for days. To refuse to remove an arbitrary hold on funds from a personal check ON WHICH THEY HAVE ALREADY COLLECTED is unethical at best. I have never bounced a check, overdrawn my account or deposited a check that did not clear. If it's not illegal for a bank to do this, it should be.I intend to cancel all three of my *** accounts and campaign to ensure people know what unethical tricksters are operating in *******. Banking consumers beware. This is real time theft. I need my money to make an important escrow payment on my mortgage before March 1.

  

  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:02/26/2025

  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.

  * CD Information: ******** 1-year CD (expired on December 5 2024) Amount: about $38,486.25.I have hard time getting my CD check after expiration and closing as of early Dec 2024. I noticed I have not received the check from bank in the end of Dec 2024 so I talked to the *** bank to re-issue my check since it seems lost during transit. In the end of December 2024, I requested the bank to wire my money back but the banker (Jasmine) told me on the phone they don't have option to wire my money back but re-issue the physical check and send it again to me after 90-day period. She told me *** will waive the 90-day waiting period for check re-issuance as long as I sign on the indemnity form. So I signed on it and sent the form to the bank accounting department for check re-issuance on 1/28/2025 (Tues). I kept asking the bank to update me on the issue but the bank keeps forwarding my case to other representatives. I have not got my money back for almost 3 months. I want the bank to correct their lazy response and to reimburse me for the 3-month equivalent compensation for holding up my money,  

  

  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 110, 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:02/26/2025

  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.

  An account and debit card, was opened fraudulently through this bank I received in the mail on the evening of 2/25/2025. The same evening, I called the bank to speak to the fraud unit via the customer service # found on line ***************) - not in the letter. After I explained this account was not opened by me to the male representative, he asked for my full social security # over the phone to verify "my identity" which should never happen. I informed him no legitimate bank ask for this information, which I refused to provide. I asked to be transferred to the Fraud unit. Upon transfer, I re-explained the issue. The representative who identified himself as " Anastascio" and claimed to have no employee ID #; proceeded to also ask for my SS# and DOB; which I again refused to provide. I offered the number found on the debit card, which he was able to verify an account was opened in my name 2/6/2025 with a $25 deposit and transfer of funds transaction on 2/18/2025. I asked him to place a "fraud alert" on the account and to "open a case"; which he said could not be done unless I shared additional sensitive information - which sounded utterly absurd. He then became annoyed and informed me I would then need to come into a branch office- which I have no clue as to where this bank I have never heard of would be located and proceeded to "hang up" the phone. This is beyond bad customer service! They lacked any empathy, rude, abrupt, poorly trained and uninformed representatives, lack of resolution and No accountability. I seriously need this account and debit card closed. They need to go after the person(s) who opened this account and proceed to bring charges against them for fraud.

  

  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:02/25/2025

  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.

  I am complaining about my ongoing problem with billing notices I have been receiving, which are consistently arriving past the due date. Specifically, my January invoice was generated on 01/31/2025, with a due date of 02/10/2025. However, I did not receive the invoice until 02/14/2025. This delay is part of a recurring issue that I have brought to the attention of ***** ******, the local branch manager in ******, **, and her colleague ****** ***********, multiple times, but to date, the problem remains unresolved.I have provided Ms. ****** and ****** *********** a copy of my contract, which clearly outlines a 30-day billing cycle. Despite this, I continue to receive invoices based on a 10-day billing cycle, which directly contradicts the terms of the agreement and has resulted in unnecessary late fees.I kindly request that this issue be addressed promptly, ensuring that my invoices are generated according to the agreed-upon 30-day cycle, to prevent further late fees and unnecessary complications.

  

  Business Response

  Date: 03/04/2025

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A letter was sent to *********************** on March 4, 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:02/24/2025

  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 opened a checking account with BMO ********************** bank. The account was open for about a month I transferred money into the account from an outside account. The money sat in the account fine. I used the account for ***** and was waiting my debit card since you cant get one until you make your first deposit of $25.00. I went to log into my account and couldnt no longer get in I was told my user name or password was incorrect. I called into customer service only to be told that my account was closed due to fraud. Nothing about the account Indicated an issues that would lead them to believe that. I was told the money that was in the account would be mailed to be via cashiers check. I have now waited 2 weeks and still havent received anything I called again to be told it takes 4-6 weeks for me to get my own money!!!!!

  

  Business Response

  Date: 03/11/2025

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A letter to the customer was placed in the mail on March 11th, 2025, addressing their concerns. Please allow time for mail delivery.  In the interest of protecting our customers confidentiality,we are not posting the contents of the letter in this forum. Please let us know if we can assist further regarding this matter. Thank you for taking the time to bring this matter to our attention.

• Initial Complaint

  Date:02/23/2025

  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.

  ******** NA Amount:$209 Date:1/14/2025 Acct#**************** According to 15 U.S.C 1681s-2(a)(1)(A) and (B)to report inaccurate informationPlease DELETE this information from my credit report, pursuant to section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information.Section FCRA 611(a)(6)(B)(iii) and (7) of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information. Fair Credit Reporting Act, 15 U.S.C. 1681s-2 Section 623(a)(8)(D) Section 603(p), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623(a)(7).According to 15 USC 168i(15) the credit bureaus have to modify or Delete fraud Account that are not reporting accurately. According to 15 USC 1681b(1) the credit bureaus dont have no written permission. According to 15 *** 1681 have the right to privacy According to 15 *** 168s- 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate . (B) Reporting information after notice and confirmation of errors According to 15 *** 1681 I have the right to privacy According to 15 *** 1681s-2 A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. (B) Reporting Information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency (i) The person has been notified by the consumer, at the address specified by the person for such Notices, that specifies information inaccurate, and (ii) the information is, in, fact, inaccurate.

  

  Business Response

  Date: 02/27/2025

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A letter to the customer was placed in the mail on February 27, 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.