Skip to the page
Get started free

Data / Consumer complaints / BMO Bank National Association

BMO Bank National Association: 3,944 CFPB consumer complaints in the last 3 years

BMO Bank National Association drew 3,944 consumer complaints in the CFPB database in the three years to November 6, 2026, and 7,345 since 2011. The largest group, 2,332, was about checking or savings account, and the most common issue was “Managing an account” with 1,385. The company responded on time to 100.0% of the complaints, and 30.3% closed with monetary or other relief. The CFPB records the company as BMO BANK NATIONAL ASSOCIATION.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

Watch this company's complaintsGet every checking or savings account companyGet checking or savings account in California
  • 3,944Complaints, last 3 years
  • 7,345Complaints, all years
  • 100.0%Responded on time
  • 30.3%Closed with relief
  • 11Products
  • Nov 4, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 61,183
20251,228
20241,280
20231,026
2022369
2021321
2020287
2019260
2018228
2017261
2016215
2015179
2014182
2013186
2012136
20114

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

ProductComplaintsShare
Checking or savings account2,33259.1%
Credit card44211.2%
Credit reporting or other personal consumer reports3498.8%
Vehicle loan or lease2496.3%
Mortgage1834.6%
Money transfer, virtual currency, or money service1694.3%
Debt collection1062.7%
Payday loan, title loan, personal loan, or advance loan1052.7%
Prepaid card60.2%
Student loan20.1%
Debt or credit management10.1%

Issues

IssueComplaintsShare
Managing an account1,38535.1%
Closing an account40910.4%
Opening an account2927.4%
Incorrect information on your report1965%
Problem with a lender or other company charging your account1553.9%
Managing the loan or lease1503.8%
Closing your account1183%
Trouble during payment process1142.9%
Improper use of your report1132.9%
Fraud or scam802%
Problem caused by your funds being low782%
Problem with a company's investigation into an existing problem782%
Problem when making payments731.9%
Other features, terms, or problems671.7%
Fees or interest641.6%
Problem with a purchase shown on your statement611.5%
Problems at the end of the loan or lease531.3%
Attempts to collect debt not owed411%
Other transaction problem391%
Took or threatened to take negative or legal action310.8%
Getting a credit card300.8%
Trouble using your card300.8%
Repossession290.7%
Struggling to pay mortgage250.6%
Applying for a mortgage or refinancing an existing mortgage220.6%

How the company responded

Company responseComplaintsShare
Closed with explanation2,74169.5%
Closed with monetary relief63116%
Closed with non-monetary relief56614.4%
In progress60.2%

States

StateComplaintsShare
California1,16729.6%
Illinois59815.2%
Florida2285.8%
Wisconsin1884.8%
Arizona1854.7%
Texas1523.9%
Colorado1293.3%
Indiana1042.6%
Nevada812.1%
Minnesota721.8%
New York711.8%
Georgia601.5%
Missouri571.4%
Washington571.4%
North Carolina551.4%
Pennsylvania541.4%
Virginia521.3%
Iowa491.2%
New Jersey481.2%
Oregon461.2%
Michigan360.9%
Ohio320.8%
Kansas310.8%
Oklahoma310.8%
New Mexico300.8%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
November 4, 2026Checking or savings accountManaging an accountClosed with non-monetary reliefconsumerfinance.gov
November 3, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 31, 2026Checking or savings accountOpening an accountClosed with explanationconsumerfinance.gov
October 31, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
October 31, 2026Checking or savings accountClosing an accountClosed with explanationconsumerfinance.gov
October 30, 2026Checking or savings accountClosing an accountClosed with monetary reliefconsumerfinance.gov
October 30, 2026Checking or savings accountManaging an accountClosed with monetary reliefconsumerfinance.gov
October 29, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
October 29, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
October 29, 2026Checking or savings accountOpening an accountClosed with explanationconsumerfinance.gov
October 29, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
October 27, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
October 27, 2026Checking or savings accountProblem with a lender or other company charging your accountClosed with monetary reliefconsumerfinance.gov
October 27, 2026Money transfer, virtual currency, or money serviceFraud or scamClosed with explanationconsumerfinance.gov
October 27, 2026Vehicle loan or leaseProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
October 27, 2026Checking or savings accountClosing an accountClosed with explanationconsumerfinance.gov
October 26, 2026Money transfer, virtual currency, or money serviceOther transaction problemClosed with monetary reliefconsumerfinance.gov
October 26, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 26, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
October 26, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
October 26, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
October 26, 2026Money transfer, virtual currency, or money serviceFraud or scamClosed with explanationconsumerfinance.gov
October 26, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
October 26, 2026Checking or savings accountIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 26, 2026Checking or savings accountOpening an accountClosed with explanationconsumerfinance.gov
October 25, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 24, 2026Checking or savings accountManaging an accountClosed with monetary reliefconsumerfinance.gov
October 23, 2026MortgageTrouble during payment processIn progressconsumerfinance.gov
October 23, 2026MortgageTrouble during payment processIn progressconsumerfinance.gov
October 23, 2026Checking or savings accountManaging an accountIn progressconsumerfinance.gov
October 23, 2026Checking or savings accountOpening an accountClosed with explanationconsumerfinance.gov
October 22, 2026Payday loan, title loan, personal loan, or advance loanLoan payment wasn't credited to your accountClosed with explanationconsumerfinance.gov
October 22, 2026Checking or savings accountClosing an accountClosed with explanationconsumerfinance.gov
October 22, 2026Credit cardClosing your accountClosed with non-monetary reliefconsumerfinance.gov
October 22, 2026Checking or savings accountClosing an accountClosed with explanationconsumerfinance.gov
October 22, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 21, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
October 21, 2026Checking or savings accountProblem with a lender or other company charging your accountClosed with explanationconsumerfinance.gov
October 21, 2026MortgageTrouble during payment processClosed with explanationconsumerfinance.gov
October 21, 2026Money transfer, virtual currency, or money serviceOther transaction problemClosed with explanationconsumerfinance.gov
October 20, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
October 20, 2026Money transfer, virtual currency, or money serviceFraud or scamIn progressconsumerfinance.gov
October 20, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 20, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
October 20, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
October 20, 2026Money transfer, virtual currency, or money serviceFraud or scamClosed with explanationconsumerfinance.gov
October 19, 2026Checking or savings accountManaging an accountClosed with non-monetary reliefconsumerfinance.gov
October 18, 2026Checking or savings accountOpening an accountClosed with monetary reliefconsumerfinance.gov
October 17, 2026Checking or savings accountOpening an accountClosed with explanationconsumerfinance.gov
October 17, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.