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.
- 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 →
Response Quality Score
BMO Bank National Association scores strongest on relief provided (100/100 percentile-benchmarked) and weakest on closed with explanation (53/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
100 / 100 percentile-benchmarked
24.9% of complaints closed with relief to the consumer
Timely response
100 / 100 percentile-benchmarked
99.9% of complaints answered inside the CFPB 15-day window
Closed with explanation
53 / 100 percentile-benchmarked
74.7% of complaints closed with an explanation to the consumer
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
Volume vs. relief
Where BMO Bank National Association sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, BMO Bank National Association files more complaint volume than 74% of them, and closes complaints with relief more often than 87% of them, placing it in the quadrant for high volume, above-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 6,840 · Closed with relief: 24.9%
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