CFPB Consumer Complaint Profile
BMO Bank, N.A.
Consumers have filed complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 6,428
- Total complaints
- Among the highest
- 1,257
- Last 12 months
- 99.9%
- Timely response
- Top decile
- 53
- States affected
The verdict
By CFPB complaint volume, BMO Bank, N.A. is #88 out of 3,843 financial companies. Its on-time response record is at the 82nd percentile among companies with 100+ complaints.
- Checking or savings …
- most-complained product
- IL
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
BMO Bank, N.A. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.9% Top 18% higher than 82% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 1,280 in 2024 to 1,227 in 2025 (2024 → 2025).
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
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 |
| 2026year in progress | 265 |
Complaints by State (Top 15)
Company Responses
BMO Bank, N.A. Complaint Concentration Profile
BMO Bank, N.A.'s complaint volume is large enough to measure concentration - not just the headline totals. Across 72 named product lines in the stored breakdown, the leading three (Checking or savings account, Credit card, Vehicle loan or lease) hold a 48.5% share of product-tagged complaints. The Herfindahl index on that product mix is 0.159 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Managing an account, Closing an account, Opening an account) cover a 56.8% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (Illinois, California, Wisconsin) hold a 50.3% share of state-tagged volume across 53 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with explanation" leads at a 75.1% share among the 6,428 response-tagged complaints (4,827 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2024 (1,280 complaints); the lightest year on file was 2011 (4). From 2024 to 2025, annual volume fell 4.1% (1,280 → 1,227). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
What the CFPB Complaint Record Shows for BMO Bank, N.A.
BMO Bank, N.A. draws a nationwide spread of CFPB complaints, filed by consumers in many parts of the country. 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, the timely-response measure shows how often forwarded complaints get a reply. This company's rate clears the industry benchmark, pointing to intake and escalation processes that are working as intended. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
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, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for BMO Bank, N.A.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count.
Similar dispute rates
Nearest companies by share of complaints marked disputed (23.8% here).
Also handles Checking or savings account
Other companies with the same primary CFPB product category on file.
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.