What people brought to the CFPB about Bmo Bank National Association, what they complained about, and how the company closed it.
The single most common complaint is managing an account. The product people name most is checking or savings account.
| Issue | Complaints | Share |
|---|---|---|
| Managing an account | 1,946 | 28.0% |
| Closing an account | 566 | 8.1% |
| Opening an account | 542 | 7.8% |
| Incorrect information on your report | 296 | 4.3% |
| Trouble during payment process | 280 | 4.0% |
| Managing the loan or lease | 260 | 3.7% |
| Improper use of your report | 217 | 3.1% |
| Problem with a lender or other company charging your account | 212 | 3.0% |
| Account opening, closing, or management | 188 | 2.7% |
| Loan servicing, payments, escrow account | 162 | 2.3% |
| Product | Complaints | Share |
|---|---|---|
| Checking or savings account | 3,408 | 49.0% |
| Mortgage | 859 | 12.3% |
| Credit card | 533 | 7.7% |
| Vehicle loan or lease | 371 | 5.3% |
| Bank account or service | 365 | 5.2% |
| Credit reporting or other personal consumer reports | 339 | 4.9% |
| Money transfer, virtual currency, or money service | 245 | 3.5% |
| Credit reporting, credit repair services, or other personal consumer reports | 230 | 3.3% |
| Outcome | Complaints | Share |
|---|---|---|
| Closed with explanation | 5,216 | 74.9% |
| Closed with monetary relief | 995 | 14.3% |
| Closed with non-monetary relief | 696 | 10.0% |
| Closed without relief | 27 | 0.4% |
| Closed with relief | 18 | 0.3% |
| In progress | 6 | 0.1% |
| Closed | 2 | 0.0% |
| Untimely response | 2 | 0.0% |
Closed with explanation is the usual outcome across the whole database. It records that the company answered. It does not record who was right.
| Year | Complaints |
|---|---|
| 2021 | 321 |
| 2022 | 369 |
| 2023 | 1,026 |
| 2024 | 1,280 |
| 2025 | 1,228 |
| 2026 | 800 |
2026 is a part year.
| State | Complaints | Share |
|---|---|---|
| IL | 1,479 | 21.2% |
| CA | 1,337 | 19.2% |
| WI | 648 | 9.3% |
| AZ | 437 | 6.3% |
| FL | 390 | 5.6% |
| TX | 261 | 3.7% |
| IN | 213 | 3.1% |
| MN | 197 | 2.8% |
| CO | 168 | 2.4% |
| NY | 148 | 2.1% |
| Group | Complaints | Share |
|---|---|---|
| Servicemembers and veterans | 509 | 7.3% |
| Older Americans | 827 | 11.9% |
Consumers add these tags themselves. Most people add nothing, so both figures are floors.
A big complaint count usually means a big customer base. A bank with 60 million customers will out-complain a bank with 200,000 whatever either one does. Counts are not a quality score and this page is not a ranking.
The CFPB does not judge who was right. A complaint is the consumer's account of what happened. The company answers it. Neither side is verified here.
Credit reporting dominates the database. Two thirds of all complaints on file are about credit reports, and disputes filed in bulk on consumers' behalf are part of that. It distorts every total that includes the credit bureaus.
Complaints go to the company through the CFPB, and the company has 15 days to respond. You get a tracking number. Most complaints close inside 60 days. Start at consumerfinance.gov/complaint.
Source: CFPB Consumer Complaint Database, retrieved 2026-08-05. Newest record on file 2026-08-04. Filed under the name BMO BANK NATIONAL ASSOCIATION.