BMO Bank National Association
6.8K consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
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
How BMO Bank National Association's 6.8K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary 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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About BMO Bank National Association
BMO Bank National Association's 6,840 logged complaints reach a nationwide footprint - 54 states have at least one filing on record. 44.3% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2011 through 2026-06-25.
BMO Bank National Association answers 99.9% of complaints inside the CFPB's tracked window and closes 74.7% with a written explanation. 24.9% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Checking or savings account" draws the most filings, most often for "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.
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.
Frequently Asked Questions
How many CFPB complaints does BMO Bank National Association have?
6,840, per the CFPB's public complaint count for this company (see the full breakdown above).
Does BMO Bank National Association respond to complaints on time?
99.9% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about BMO Bank National Association?
"Managing an account", filed under the "Checking or savings account" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.