CFPB · Higher closed-with-relief share
BMO Bank National Association
6.8K CFPB complaints · 24.9% relief (high band) · top issue Managing an account.
BMO Bank National Association closes 24.9% with relief (upper third) on 6.8K filings. Timely 99.9% · top product Checking or savings account. Allegations, not findings.
- Volume rank #90 of 342
- Higher closed-with-relief share
- +16850% filings 2011 to 2026
CFPB relief outcome brief
CCDB company bmo-bank-national-association
24.9% relief · 99.9% timely · 6.8K filings · Checking or savings account
Same-product relief peers
Nearest relief peer: Global Credit Union (24.699630996309963% relief)
BMO Bank National Association closes 24.9% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of BMO Bank National Association's 6.8K filings include narrative text
44.3% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
BMO Bank National Association complaint mix by product
- Checking or 3K 55.4% – 30% relief
- Mortgage 854 14.2% – 15% relief
- Credit card 527 8.8% – 33% relief
- Bank account 365 6.1% – 19% relief
- Vehicle loan 360 6.0% – 31% relief
- Credit reporting 333 5.5% – 11% relief
- Money transfer, 240 4.0% – 17% relief
Heavy-volume mix: how BMO Bank National Association's 6.8K complaints split across CFPB product categories. Resolution badge = % closed with relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Checking or savings account | 3.3K |
| Mortgage | 854 |
| Credit card | 527 |
| Bank account or service | 365 |
| Vehicle loan or lease | 360 |
| Credit reporting or other personal consumer reports | 333 |
| Money transfer, virtual currency, or money service | 240 |
| Credit reporting, credit repair services, or other personal consumer reports | 230 |
| Credit card or prepaid card | 191 |
| Debt collection | 169 |
| Payday loan, title loan, personal loan, or advance loan | 100 |
| Consumer Loan | 85 |
| Payday loan, title loan, or personal loan | 38 |
| Prepaid card | 6 |
| Money transfers | 5 |
| Student loan | 3 |
| Credit reporting | 3 |
| Debt or credit management | 2 |
| Other financial service | 2 |
Nationwide filing states for BMO Bank National Association
Top states by attributed volume, heavy-filing company
- Leading state
- IL
- 21.3% of this company's filings
BMO Bank National Association rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 678
- +16850% vs 2011
Top States
| State | Complaints |
|---|---|
| IL | 1.5K |
| CA | 1.3K |
| WI | 640 |
| AZ | 431 |
| FL | 384 |
| TX | 257 |
| IN | 211 |
| MN | 195 |
| CO | 167 |
| NY | 147 |
| MO | 125 |
| NV | 96 |
| GA | 93 |
| WA | 85 |
| NC | 84 |
| PA | 83 |
| VA | 78 |
| OH | 78 |
| NJ | 74 |
| IA | 70 |
Top Issues
| Issue | Complaints |
|---|---|
| Managing an account | 1.9K |
| Closing an account | 552 |
| Opening an account | 528 |
| Incorrect information on your report | 291 |
| Trouble during payment process | 277 |
| Managing the loan or lease | 256 |
| Improper use of your report | 216 |
| Problem with a lender or other company charging your account | 208 |
| Account opening, closing, or management | 188 |
| Loan servicing, payments, escrow account | 162 |
| Loan modification,collection,foreclosure | 141 |
| Closing your account | 132 |
| Problem caused by your funds being low | 124 |
| Fraud or scam | 112 |
| Problem when making payments | 102 |
| Problem with a purchase shown on your statement | 100 |
| Other features, terms, or problems | 98 |
| Fees or interest | 92 |
| Problems at the end of the loan or lease | 92 |
| Deposits and withdrawals | 86 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2011 | 4 | 100% |
| 2012 | 136 | 95.6% |
| 2013 | 186 | 100% |
| 2014 | 182 | 99.5% |
| 2015 | 179 | 100% |
| 2016 | 215 | 100% |
| 2017 | 261 | 99.6% |
| 2018 | 228 | 100% |
| 2019 | 260 | 100% |
| 2020 | 287 | 99.7% |
| 2021 | 321 | 100% |
| 2022 | 369 | 100% |
| 2023 | 1.0K | 100% |
| 2024 | 1.3K | 100% |
| 2025 | 1.2K | 100% |
| 2026 | 678 | 100% |
Source: CFPB Consumer Complaint Database
BMO Bank National Association in the higher-relief third
BMO Bank National Association's 6,840 logged complaints reach a nationwide footprint - 54 states have at least one filing. 44.3% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2011 through 2026-06-25. Closed-with-relief 24.9% sits in the upper third of the corpus.
BMO Bank National Association closes 24.9% with monetary or non-monetary relief and answers 99.9% inside the CFPB window; 74.7% close with a written explanation. Consumers disputed 0% of responses after the company replied. Top product "Checking or savings account" · top issue "Managing an account."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about BMO Bank National Association.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for BMO Bank National Association: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 6.8K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.9%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for BMO Bank National Association (#90 of 342; 99.9% timely; 24.9% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Higher closed-with-relief share