Debt collection
BMO Bank debt collection complaints
Consumers have filed 180 complaints about BMO Bank's debt collection, 51 in the last 12 months (+55%). BMO Bank answered 100% on time and closed 12% with relief. See the whole BMO Bank record.
BMO Bank against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | BMO Bank | 51 | 100% | 12% |
Latest BMO Bank debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Mar 3, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 25, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Feb 21, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Feb 21, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Feb 14, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to arrest you or take you to jail if you do not pay | Fixed |
| Feb 5, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jan 30, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Jan 10, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jan 9, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Jan 3, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Dec 29, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Dec 19, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 15, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Fixed |
| Dec 13, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 10, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 8, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 8, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Dec 4, 2025 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Dec 3, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Nov 24, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 19, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 15, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Fixed |
| Nov 7, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Nov 6, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 25, 2025 | Debt collection | False statements or representationIndicated you were committing crime by not paying debt | Explained |
| Oct 22, 2025 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Sep 17, 2025 | Debt collection | False statements or representationImpersonated attorney, law enforcement, or government official | Explained |
| Sep 17, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 14, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened to arrest you or take you to jail if you do not pay | Explained |
| Sep 12, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
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
Talk about BMO Bank
No comments yet. Start the conversation - questions are welcome too.