Complaints
This profile includes complaints for BMO Bank N.A.'s headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 1,294 total complaints in the last 3 years.
- 347 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:05/14/2025
Type: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.
Ok well the same way I traveled to them have BMo banker come to me then simple same time and energy and gas I wasted I expect the same energy to be reciprocated
Business Response
Date: 05/21/2025
We are in receipt of the complaint for the above referenced customer and welcome the opportunity to respond to the customers inquiry. Attached is a letter that was sent today addressing the concerns brought up in the complaint. Thank you for taking the time to bring this matter to our attentionCustomer Answer
Date: 05/22/2025
Complaint: 23330866
I am rejecting this response because: ******* you're the s***** associate who gave me poor customer service so any response from you is irrelevant especially when your colleague Brain located my check in BMO system and has been in contact with my employer FRAUD where? the only fraud is you CLOWN stop trying to run this financial institution as your own business and do your **** job with out prejudging customers you disrespectful rat face c*** sucker
Sincerely,
L ********Customer Answer
Date: 05/22/2025
I am rejecting this response because: ******* is the idiot associate who gave me poor customer service so any response from ******* is irrelevant especially when he is a LAZY LIAR. I don't trust him and BMO shouldn't either! *** MANGER Brain located my check in BMO system and has been in contact with my employer FRAUD was never an issue the only fraud regarding this matter is ******* he needs to stop trying to run *** financial institution as his own business and do his job with out prejudging customers the encounter with him was disrespectful and I would like another representative of the company regarding this matter and my interactions with him at the branch not ******* he doesn't have the mental capacity for a resolve if he couldn't do simple steps or procedures to locate an existing account in the system something is really wrong with the guy
Sincerely,
L ********Initial Complaint
Date:05/13/2025
Type: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.
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,
Amr ShahatBusiness Response
Date: 05/19/2025
The Bank has verified that on 5/16/2025 the customers issue has been resolved.Initial Complaint
Date:05/13/2025
Type: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.
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. I received the title in the mail yesterday. Thank you for your assistance!
Sincerely,
******* *********Business Response
Date: 05/19/2025
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 May 19, 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:05/13/2025
Type: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.
The bank closed a significant account and held money without adequate notice which I would have expected to be a certified mail notice for such an action. I relied on access to these funds and it created a difficult situation without immediate access. There was no history of any overdrafts or account misconduct. I was a 30 year commercial and personal customer. The bank further requested private financial information and became non communicative without my willingness to share information after they told me to close my accounts. I was told the check was in the mail to reimburse the account balance.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 **** ********* May 14, 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:05/12/2025
Type: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.
Description translated from Spanish via ****** Translate and assistance from my daughter, ***** ******:I have made multiple calls to request information and a resolution to a technical problem in which my mortgage loan information "does not match records" and I am unable to enroll in digital banking. When calling, I am read the exact error code and not helped and when the call is transferred the call is disconnected I must once again call back. The last call this morning on 5/12/25, the representative said there was no way to resolve my issue without going into a bank branch in person. I am a cancer patient who requires digital bank access due to severe hip pain and the bank should be able to provide technical assistance over the phone for equitable disability access.Business Response
Date: 05/13/2025
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 13, 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:05/08/2025
Type: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.
When I make an extra payment that is supposed to go toward the principal, they are taking my money and adding more to the interest so the principal never decreases as it is supposed to. I have had to call several times and they can never come up with a valid explanation for this unethical practice. I have never had a loan do this before.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.Initial Complaint
Date:05/06/2025
Type: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.
Complaint: 23294983
I am rejecting this response because:While I do appreciate a response, you did not address the initial concern. What good is a letter of notification sent 39 days after closure of the account? From my standpoint, a letter sent in an appropriate time frame would have avoided the actions I have taken. You have failed miserably at customer service and your words are not believable. I will stick to the impression you decided to give me about ********. And that is that they are not a trustworthy business.
it score. I guess *** doesn't care if they hurt their long time customers who, from the research I've done, are becoming fewer and fewer. My opinion through my experience is that *** is a VERY untrustworthy bank. I will not patronize any venue or business that supports or promotes ***. I wonder when they will start to seize bank accounts because they detect accounts that don't fit their business model.
Sincerely,
******* ********Business Response
Date: 05/08/2025
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 8, ********************************************* 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.Business Response
Date: 05/09/2025
A letter was sent to ******* ******** on May 8, ********************************************* the complaint. 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: 05/09/2025
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is not satisfactory to me but further correspondence would be a waste of time. Nothing in their response would make me change my opinion that they are not a trustworthy bank.
Sincerely,
******* ********
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