BMO Bank, N.A. Consumer Complaints
BMO Bank, N.A. has received 6,515 consumer complaints filed with the Consumer Financial Protection Bureau. Below is a complete breakdown by product, issue, company response pattern, and geographic distribution.
Data last updated: Apr 16, 2026Key Takeaways
- 6,515 total complaints on file with the CFPB.
- Most complaints are about Checking or savings account (3,134).
- Timely response rate: 99.9%.
- Consumer disputed rate: 23.8% of resolved complaints.
Complaints by Product
The following table shows how complaints against BMO Bank, N.A. break down by financial product category.
| Product | Complaints | % of Total |
|---|---|---|
| Checking or savings account | 3,134 | 48.1% |
| Mortgage | 840 | 12.9% |
| Credit card | 504 | 7.7% |
| Bank account or service | 366 | 5.6% |
| Vehicle loan or lease | 344 | 5.3% |
| Credit reporting or other personal consumer reports | 300 | 4.6% |
| Credit reporting, credit repair services, or other personal consumer reports | 230 | 3.5% |
| Money transfer, virtual currency, or money service | 221 | 3.4% |
| Credit card or prepaid card | 191 | 2.9% |
| Debt collection | 154 | 2.4% |
| Payday loan, title loan, personal loan, or advance loan | 89 | 1.4% |
| Consumer Loan | 85 | 1.3% |
| Payday loan, title loan, or personal loan | 38 | 0.6% |
| Money transfers | 5 | 0.1% |
| Prepaid card | 5 | 0.1% |
| Credit reporting | 3 | 0.0% |
| Student loan | 3 | 0.0% |
| Other financial service | 2 | 0.0% |
| Debt or credit management | 1 | 0.0% |
Most Common Issues
These are the specific issues consumers most frequently report about BMO Bank, N.A..
Company Response Breakdown
When consumers file complaints, BMO Bank, N.A. responds in one of several ways. The breakdown below shows how BMO Bank, N.A. has resolved complaints.
| Response | Count | Percentage |
|---|---|---|
| Closed with explanation | 4,887 | 75% |
| Closed with monetary relief | 938 | 14.4% |
| Closed with non-monetary relief | 640 | 9.8% |
| Closed without relief | 27 | 0.4% |
| Closed with relief | 18 | 0.3% |
| Closed | 2 | 0% |
| Untimely response | 2 | 0% |
| In progress | 1 | 0% |
Complaints by State
Top states where consumers have filed complaints against BMO Bank, N.A..
| State | Complaints |
|---|---|
| Illinois | 1,395 |
| California | 1,213 |
| Wisconsin | 627 |
| Arizona | 418 |
| Florida | 358 |
| Texas | 244 |
| Indiana | 199 |
| Minnesota | 189 |
| Colorado | 154 |
| New York | 140 |
| Missouri | 123 |
| Georgia | 92 |
| Nevada | 87 |
| Washington | 83 |
| Pennsylvania | 82 |
| North Carolina | 80 |
| Ohio | 77 |
| Virginia | 75 |
| New Jersey | 70 |
| Iowa | 68 |
Your Rights
What to do if you have a complaint against BMO Bank, N.A.
- Contact BMO Bank, N.A. directly. Many issues can be resolved by calling their customer service line or submitting a written complaint.
- File a complaint with the CFPB. Visit consumerfinance.gov/complaint. The company must respond within 15 days.
- File with your state attorney general. Your state AG's consumer protection division investigates patterns of complaint.
- Consult a consumer protection attorney. If you've suffered financial harm, an attorney can advise you on your legal options including potential lawsuits.
Frequently Asked Questions
-
How many complaints does BMO Bank, N.A. have?
BMO Bank, N.A. has 6,515 consumer complaints on file with the CFPB as of our last data refresh.
-
What is the most common complaint about BMO Bank, N.A.?
The most common issue reported is Managing an account with 1,781 complaints.
-
How do I file a complaint against BMO Bank, N.A.?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. The company is required to respond within 15 days. You can also contact your state attorney general or consult a consumer protection attorney.
-
Does BMO Bank, N.A. respond to complaints on time?
BMO Bank, N.A. has a 99.9% timely response rate, meaning that percentage of complaints received a response within the CFPB's required timeframe.
Source: Consumer Financial Protection Bureau — Consumer Complaint Database. Accessed April 2026.