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.

close

Find a Location

BMO Bank N.A. has 969 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  BMO Bank N.A.

  320 S Canal St Chicago, IL 60606

  
• 

  BMO Bank N.A.

  #2 Carlyle Plaza Dr. Belleville, IL 62221

• 

  BMO Bank N.A.

  101 Burr Ridge Parkway Burr Ridge, IL 60527

  
• 

  BMO Bank N.A.

  11041 W. Lincoln Hwy Frankfort, IL 60423

  
• 

  BMO Bank N.A.

  1105 S. IL Route 31 Crystal Lake, IL 60014

  

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:05/03/2025

  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.

  BMO Bank N.A. closed the credit card account on March 31, 2025 without notice of any kind. I did not know about the account closure until I received a letter on April 16, 2025. As usual I paid off the account balance before closing date on April 8, 2025, but credit reports from Experian, Equifax, and ********** have indicated that I still owe ******** 5 dollars. I called ******** to complain the incorrect account balance on credit reports, but ******** has not corrected this until now. Therefore, I just want to complain that ******** has not corrected the account balance of the credit card account.Before I open checking and savings accounts with any bank, I always test out the bank first by applying its credit card and using the card for at least a year. I was not happy with my primary bank last July and looking for another bank. That was why I applied for the credit card with ******** last July. I plan to open checking and savings accounts with ******** after this July. Actually, I am now happy that ******** closed the credit card account before July.

  

  Business Response

  Date: 05/14/2025

  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 May 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

  Customer Answer

  Date: 05/19/2025

   
  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:05/02/2025

  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.

  Thank you BMO Bank I've just received your letter & i understand how it looks from business perspective but what does a pin have to do when this person who picked up my card after my last purchase on March 6th 2025 at T-Mobile which i spent 20$ & 8$ , makes me responsible. I am not sure if i explained myself good enough but once again this person was treating my card like it was his. As to April 6th i never verified anything ! If i did verify something why would i open a claim for this scammer April 7th charge when he spent 113$ on Turo after depositing 120$. It really seems like you guys are saying i am trying to commit fraud to you guys.Please check cameras you will never see me anywhere near a ****************. I've been one time only to that branch & that was due to me depositing 220$ to send to my sister which i had apple pay her the 200$ the same night & this was 3-4 months ago.Again BMO I thank you for getting back to my complaint but please re look into this claim correctly they're has to be a way to trace this. As again with this verify i never verified anything ! The only way i even found out about these purchases was due to fact of a push notification for this scammer charges on only fans for the amount of 75$ which that claim was approved. It is just not making any sense. The following day the 10th of April card still in possession he/she wandered to the *** again & withdrew 1,000$ and not one time did you guys notify me that there was a attempt & if i want to approve nor did you guys do the same for all his/her other fraud charges not one time. However i have filed a police report so i really hope this will help me because this is not making any sense & it seems to be all over the place as the **** team who i emailed over 20 times have yet to reply back to all my extremely detailed summaries. Please have this relooked into , I do not care if it takes months or years i know what charges i made & what charges i did not. Check footage IP Address pls  

  

  Business Response

  Date: 05/12/2025

  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 May 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:05/02/2025

  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.

  My mother passed away May 14 2024. My father has *******************. He passed away June 13 2024. My brother has *******************. He lived with my parents his entire life. He passed away September 27 2024. I lost my entire family in a matter of a few months. My parents were lifetime members ************************************************ parents had a trust account; checking, ********************** & CD. The bank said they could not add me to the trust account. I am the ************************. They closed the trust account & opened a new trust account with the names listed exactly the same. CD matured a month earlier & rolled over into a new term. Told they could not close CD or would have to pay penalties. Its a CD not an ***. I asked *** ****** for monthly statements from parents accounts so I could file their taxes. Request was ignored. Requested again via email on July 31 2024 & was told to call customer service.A deposit into old account opened it back up. The account then paid out an automatic payment. I reported this. No payments should have been made from that account. *** started charging me a monthly service fee. I called and complained. Every month thereafter I called and complained re $25 fee. Was told I need to go into the local branch & take care of it. The bank is over 1700 miles from me. I CANNOT GO TO THE ***** BRANCH. I already did that. They gave misinformation about CD that could have been closed. **************** told me that the account was not closed properly. I called July 31 Aug 2 Aug 5 twice Sept 20 Oct 2 twice Oct 22 Nov 19 twice. Finally found *** branch in ******* OK 2 hours away. Went there April 3rd & May 1 2025. On the first trip, ordered parents monthly statements. Received statements 9 months after my initial request. Took 5 minutes to place the order.*** would not provide me access to my parents old account so I do not know how many consecutive months they STOLE $25.00 Audit accounts Figure how much was stolen & return that money. 

  

  Business Response

  Date: 05/14/2025

  We are in receipt of the complaint for the above referenced customer. We welcome the opportunity to respond to the customers inquiry. A letter was mailed to ****** ****** on May 14, 2025, addressing their concerns. Please allow 7-10 days to receive the letter. 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.

  Customer Answer

  Date: 05/22/2025

  Better Business Bureau:
  
  I am satisfied with the response provided by the business.

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

• Initial Complaint

  Date:05/01/2025

  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.

  Ive been a customer at *** since 8/21/2024. *** emailed me an offer in October 2024 stating that if I met to discuss financial goals with a *** banking ***resentative by October 31, 2024 I would receive a $100 gift card to either Best Buy or **********I went to the *** at ************************************ on 10/16/2024 and met with a ***resentative. Following this I contacted *** in November to see when Id receive the gift card and they said to wait 60 days from the end of October so I waited until after January 1, 2025. No gift card.I gave it more time and called February 14, 2025 at which time I was told a ticket would be submitted to service my request and I would hear back within 3 business days; I never heard back.About a week ago I emailed *** through my online banking to ask the status and never heard back. This morning I tried logging in to see if there was a ***ly I had not been emailed about and it did not recognize my username or password so I called and customer service said my account had been deactivated. I was transferred 3 times and re-explained my situation to each ***resentative. Every one of them said they couldnt help and no one had answers. I had heard nothing about my account being at risk of closure and I have no idea why it was closed and then no *** *** could assist me or give ANY answers because they could not find a profile.This is completely unprofessional and probably illegal. At a MINIMUM, *** needs to honor their promotion and send me a $100 ********* gift card which they PROMISED and which is LONG OVERDUE along with reactivating my account.

  

  Business Response

  Date: 05/07/2025

  We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customers inquiry. An email was sent on May 5, 2025, addressing the concerns brought up in 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:05/01/2025

  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.

  On April 18th I went to open a new account. Once the account was open the *** told me that my deposit would be available next business day. That did not happen. I called the location 7 times with no answer. I chatted with several bankers given different dates. Mind you I never received an email, piece of mail I received a notification in my BMO app on the 29th the day before it supposed to be released. **** today is May 1, 2025 my money still on hold. Mind you it was a check from the ****************************** with the certified paper work from the court. So today is May 1, 2025 and still no money.

  

  Business Response

  Date: 05/05/2025

  We have reviewed the concerns and the customer issue has been resolved.

• Initial Complaint

  Date:04/30/2025

  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 signed up for a banking account bank in February. I never received a debit card. I reached out via chat and spoke with ********* back on March 19. She said I would receive a replacement within 1-2 business days. I never received it. I contacted them again today. Apparently ********* lied and never put in the request. I reached out via chat and the agent told me I needed to call. The agent on the phone did not want to put me through to a supervisor (putting me on hold multiple times, asking repeatedly as if he didn't know the issue, etc.) but eventually was transferred to someone the resolutions department named ***** with her beeping fire alarm during the ENTIRE call. These are the people who represent ***. She refused to help, telling me I would need to wait 2 MORE WEEKS for a debit card! She said there was no record of a conversation with *********. The case # for an actual supervisor callback that I was given is F02956515.I have attached screenshots of the chat with ********* and BMO.

  

  Business Response

  Date: 05/06/2025

  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 ****** ******* on May 6, 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:04/29/2025

  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.

  April 2024 contacted ****** vice president of *** he said insurance adjuster was going to call me its been over 9 days still haven't heard from no adjuster. i have damages to my car from BMO bank ******************* ******** parking lot is full of pots holes for the last year, told them to fix it, its damaging my car, still haven't fixed parking lot or no insurance adjustor calling me?? but now i got over $4600 worth of damages to all my car 2struts, 2shocks, 4tires, 1 wheel bearing assembly, and 4rotors/brakes. no adjustor called me and its been 9 days, nothing from adjustor, and ****** says he can't give me their number to call them. i have healthy conditions that i have to go to doctors and therapy daily and since i don't have a car for the last 2 weeks, i can't see doctors or therapy for my major health problems so this is becoming to be a health concern since i don't have my car fixed or no adjuster called me when i sent the vice president the estimates and he said he can't pay me out for the damages. I'm getting upset. no insurance adjuster call or nothing. i need paid asap $4600 for car damages.

  

  Business Response

  Date: 05/07/2025

  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 May 7, ********************************************* 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: 05/07/2025

   
  Complaint: 23266632
  
  I am rejecting this response because: i never got no letter in the mail from ******** or the insurance company. i got a response by email from ****** from the bank they are forwarding to get this accomplished but still been a month and have got no calls from the bank or the insurance compay about gettting a check for the dmages o my car that is unsafe to drive from pot holes in the banks parking lot that. i need a call from ****** ******* the president of the company that they are giving me a check in person or deposited the damages in my bank account so i can get my car fixed asap.

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

  

  Business Response

  Date: 05/09/2025

  A letter was sent to ****** ****** on May 7, ********************************************* the complaint. We ask that the customer allow sufficient time for mail delivery. The explanation provided in our previous response letter was reviewed and the Bank stands by its position on the matter as previously discussed. We consider this matter closed. In the interest of protecting our customers confidentiality, we are not posting the contents of the response in this forum. Thank you for taking the time to bring this matter to our attention.

  Customer Answer

  Date: 05/10/2025

   
  Complaint: 23266632
  
  I am rejecting this response because:
  
  Sincerely,
  
  ****** ******

• Initial Complaint

  Date:04/29/2025

  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.

  April 2025 I open personal checking account online the froze my account no reason I gave them all of id verification when I open I put money in their $270 they won't let me have until go to the branch can't do it because of home bound medical issues. Requested to have my own money back to pay bill they said no. 

  

  Business Response

  Date: 05/02/2025

  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 mailed to ****** ***** on May 1, 2025, addressing their concerns. Please allow 7-10 days to receive the letter sent via ****. 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:04/29/2025

  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.

  On April 28, 2025 I called *** bank to inquire as to why my credit card from them was being rejected. I was told that due to business decisions they had decided to cancel my credit card, and it had nothing to do with my use of the card. I have paid on time and never have had a late payment. I was referred to their ****************** to receive my existing rewards. *** ****************** said they were sorry, but they were keeping my rewards because I only had $7.84 and did not have the required $15 to request it. I want them to take my earned $7.84 off my present bill of $19.35 so I can pay off my bill and be done with this company. *** did not inform me that they were cancelling my card. They cancelled my card for no reason other than a business decision. I found out at the *********** my card had been cancelled. If this had been my only means of payment I would have been in trouble.

  

  Business Response

  Date: 04/29/2025

  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 29, 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: 05/06/2025

   
  Complaint: 23263461
  
  I am rejecting this response because: You did not even address the complaint.  You admit and I quote, "the closure isn't a reflection of your standing as a customer or your credit rating"  You then say "The rewards you have accumulated on your card can be redeemed through July 7, 2025, in accordance with our rewards program rules."  As, I stated in my complaint I am not able to followed your rewards program rules as you cancelled my card before I reached your minimum of $15 redemption amount.  As you canceled my card I consider it totally dishonest for you to keep my earned rewards regardless of the amount and your program rules.  As I have read BMO's reviews online it is obvious you are struggling with customer  satisfaction.  If you are cancelling thousands of cards and keeping their rewards the total amount could be in the one hundred thousand dollar range or higher.  Sounds like a strategy to defraud customers.  
  
  Sincerely,
  
  **** *********

  

  Business Response

  Date: 05/09/2025

  We are in receipt of the additional comments provided by the above referenced person.  We have reviewed the concerns and have nothing additional to add to our original responses.  BMO Bank N.A. considers this matter closed.  Thank you.

  Customer Answer

  Date: 05/16/2025

   
  Complaint: 23263461
  
  I am rejecting this response because: I do not accept a business holding on to earned rewards.  By looking online, I can see that *** has very poor customer reviews from numerous customers review sites.  I have added my review to those sites.  It is clear to me that *** is not concerned regarding their fraudulent behavior. 
  
  Sincerely,
  
  **** *********

• Initial Complaint

  Date:04/28/2025

  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.

  I opened an checking account at *** on the night of Jan.26 2025. $7500 direct deposit for $500 bonus offer was what I saw at **** website and got prompted to click the application button and apply at **** website. *** is now saying the promo term has now changed to $600 for $10k direct deposit within 90days from account opening which is different from what I signed up for. If what they're saying is that the term what a customer saw and applied for an account at your website has now changed to something different, that would be a material misleading of your promo material at your website as they failed to honor the original offer terms that customer has received and applied the account for. *** owns the promo terms posted at their website, if something is no longer valid, they should have updated it.

  

  Business Response

  Date: 05/05/2025

  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 May 5, 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.