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 |
|---|---|---|---|
| Sep 10, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Sep 6, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Sep 5, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Aug 7, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jul 27, 2025 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Jul 21, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 14, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Money back |
| Jul 7, 2025 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Jun 22, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 20, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 11, 2025 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| May 26, 2025 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| May 1, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Apr 28, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Apr 16, 2025 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Apr 12, 2025 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Explained |
| Mar 28, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Mar 19, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Mar 19, 2025 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Feb 26, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 20, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Feb 6, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Feb 5, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 9, 2024 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Oct 30, 2024 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Oct 1, 2024 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Sep 16, 2024 | Debt collection | False statements or representationAttempted to collect wrong amount | Money back |
| Sep 5, 2024 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 1, 2024 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 8, 2024 | Debt collection | Attempts to collect debt not owedDebt is not yours | 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
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