CFPB Consumer Complaint Profile

BMO Bank, N.A.

Consumers have filed 6,428 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.

Data updated 2026-05-15

6,428
Total complaints
1,257
Last 12 months
99.9%
Timely response
53
States affected

The verdict

6,428 CFPB complaints put BMO Bank, N.A. at #88 out of 3,848 financial companies ranked by complaint volume. Its on-time response rate is 99.9%, ahead of the 93% median among companies with 100+ complaints.

#88
of 3,848 companies by volume
99.9%
answered on time
Checking or savings …
most-complained product
53
states with complaints
BMO Bank, N.A. timely response rate 99.9%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Checking or savings account - Checking account 2,400
Credit card - General-purpose credit card or charge card 393
Vehicle loan or lease - Loan 324
Checking or savings account - Savings account 292
Credit reporting or other personal consumer reports - Credit reporting 276
Bank account or service - Checking account 234
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 222
Checking or savings account - Other banking product or service 214
Mortgage - Conventional home mortgage 205
Checking or savings account - CD (Certificate of Deposit) 190

Top Issues

1.Managing an account 1,754
2.Closing an account 513
3.Opening an account 503
4.Trouble during payment process 267
5.Incorrect information on your report 264
6.Managing the loan or lease 242
7.Improper use of your report 202
8.Problem with a lender or other company charging your account 191
9.Account opening, closing, or management 188
10.Loan servicing, payments, escrow account 163

Complaints by Year

Year Complaints
2011 4
2012 138
2013 186
2014 182
2015 179
2016 215
2017 261
2018 228
2019 260
2020 287
2021 321
2022 369
2023 1,026
2024 1,280
2025 1,227
2026 265

Complaints by State (Top 15)

Illinois 1,382
California 1,185
Wisconsin 620
Arizona 415
Florida 351
Texas 238
Indiana 197
Minnesota 188
Colorado 154
New York 139
Missouri 123
Georgia 90
Nevada 85
Washington 83
Pennsylvania 82

Company Responses

Closed with explanation 4,827
Closed with monetary relief 925
Closed with non-monetary relief 627
Closed without relief 27
Closed with relief 18
Closed 2
Untimely response 2

What the CFPB Complaint Record Shows for BMO Bank, N.A.

BMO Bank, N.A. carries 6,428 complaints in the CFPB's database, 1,257 of them filed within the past 12 months. Consumers spanning 53 states and territories have weighed in, giving this a nationwide footprint. No product draws more complaints than "Checking or savings account," which sits at the top of the product breakdown. Inside that category, "Managing an account" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.

Within the Bureau's 15-day response window, BMO Bank, N.A. answers 99.9% of forwarded complaints. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Consumers formally disputed the company's response in 23.8% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Of complaints that were resolved, 24.8% closed with some form of monetary or non-monetary relief to the consumer.

How to read complaint counts

Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.

Frequently Asked Questions

How many CFPB complaints does BMO Bank, N.A. have?

The CFPB has logged 6,428 complaints against BMO Bank, N.A. to date, of which 1,257 came in over the last 12 months.

Does BMO Bank, N.A. respond to complaints on time?

BMO Bank, N.A.'s CFPB timely-response rate is 99.9%. That puts it among the more responsive companies in the CFPB dataset.

What product generates the most complaints for BMO Bank, N.A.?

The most complained-about product for BMO Bank, N.A. is "Checking or savings account." You can view the full product breakdown on this page.

What is the most common complaint issue with BMO Bank, N.A.?

The most common issue reported by consumers about BMO Bank, N.A. is "Managing an account." All complaint issues are listed above with their counts.

How do I file a complaint against BMO Bank, N.A.?

You can file a complaint against BMO Bank, N.A. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.

In how many states have consumers complained about BMO Bank, N.A.?

The CFPB has recorded complaints against BMO Bank, N.A. from 53 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.