Bank · complaint record
BMO Bank complaints
Filed under BMO BANK NATIONAL ASSOCIATION
Consumers have filed 7,364 complaints about BMO Bank since 2011, 1,356 of them in the last 12 months (+14% on the year before). It answered 100% on time and closed 30% with relief for the customer - more often than a typical bank. The most common problem is managing an account. It is the 14th most complained-about of 188 banks & credit unions this year.
Strong response record. How it works
- Complaints on record
- 7,364
- Last 12 months
- 1,356
- Answered on time
- 100%
- Closed with relief
- 30%
- Last 30 days
- 70
- Rank
- #14 of 188
Since December 2011
+14% vs the year before
Industry: 99.3%
Typical bank: 19%
Newest: Nov 11, 2026
Most complained-about banks & credit unions
BMO Bank complaints by month
The busiest month was April 2025 (154 complaints). Complaints in the last 12 months are up 14% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How BMO Bank answered last 12 months
- Closed with monetary relief20415%
- Closed with non-monetary relief19414.3%
- Closed with explanation95070.1%
- In progress80.6%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers32/4029.5% closed with relief
- Complaint trend9/15+14% vs last year
What BMO Bank complaints are about
Top BMO Bank problems last 12 months
Inside "Managing an account"
- Deposits and withdrawals 823
- Banking errors 278
- Problem using a debit or ATM card 270
- Funds not handled or disbursed as instructed 229
- Problem accessing account 204
- Problem making or receiving payments 98
Where BMO Bank complaints come from
Most complaints: Illinois (1,543), California (1,459), Wisconsin (667), Arizona (460), Florida (419).
BMO Bank compared with other banks & credit unions
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Fifth Third BankBank accounts | 61 | 2,784 | C |
| 2 | Citizens BankBank accounts | 73 | 2,163 | B |
| 3 | Huntington BankBank accounts | 84 | 2,144 | A |
| 4 | BMO BankBank accounts | 86 | 1,356 | A |
| 5 | Regions BankBank accounts | 71 | 1,300 | B |
| 6 | CurrentBank accounts | 4 | 1,144 | F |
| 7 | Credit KarmaBank accounts | 82 | 963 | A |
| 8 | KeyBankBank accounts | 88 | 939 | A |
Compare side by side: BMO Bank vs Fifth Third Bank · BMO Bank vs Citizens Bank · BMO Bank vs Huntington Bank · BMO Bank vs Regions Bank
What people say about BMO Bank
All experiencesNo experiences with BMO Bank yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest BMO Bank complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 11, 2026 | Bank accounts | Managing an accountDeposits and withdrawals | Explained |
| Nov 10, 2026 | Money transfers & apps | Other transaction problem | Explained |
| Nov 7, 2026 | Credit cards | Incorrect information on your reportInformation belongs to someone else | Fixed |
| Nov 7, 2026 | Bank accounts | Managing an accountProblem using a debit or ATM card | Explained |
| Nov 6, 2026 | Bank accounts | Problem with a lender or other company charging your accountTransaction was not authorized | Explained |
| Nov 5, 2026 | Bank accounts | Managing an accountDeposits and withdrawals | Explained |
| Nov 4, 2026 | Bank accounts | Managing an accountProblem making or receiving payments | Fixed |
| Nov 4, 2026 | Bank accounts | Managing an accountProblem using a debit or ATM card | Money back |
| Nov 3, 2026 | Auto loans & leases | Problems at the end of the loan or leaseProblem with paying off the loan | Explained |
| Nov 3, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Nov 3, 2026 | Credit cards | Fees or interestProblem with fees | Explained |
| Nov 3, 2026 | Bank accounts | Opening an accountAccount opened without my consent or knowledge | Explained |
Questions about BMO Bank
How many complaints does BMO Bank have?
BMO Bank has 7,364 complaints on record since December 2011, including 1,356 in the last 12 months and 70 in the last 30 days. That makes it number 102 of every company by complaints this year.
Does BMO Bank respond to complaints?
Yes. BMO Bank answered 100% of its complaints on time (within 15 days) and closed 30% with relief - money back or a fix; 15.1% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 86/100 (grade A).
What do people complain about most with BMO Bank?
The most common problems are managing an account (2,089), closing an account (610), opening an account (566).
Is BMO Bank legit?
BMO Bank is a real company with a public complaint record: consumers have complained about it 7,364 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is BMO Bank legit? for the signals, red flags and how to protect yourself.
Are complaints about BMO Bank going up or down?
Up. There were 1,356 complaints in the last 12 months against 1,194 in the 12 before (+14%). See every month.
How do I file a complaint against BMO Bank?
Complain to BMO Bank in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most BMO Bank complaints come from?
Most come from Illinois (1,543), California (1,459), Wisconsin (667). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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