Data / Consumer complaints / BMO Bank National Association / Payday loan, title loan, personal loan, or advance loan
BMO Bank National Association: 105 CFPB complaints about payday loan, title loan, personal loan, or advance loan, last 3 years
Updated November 7, 2026. Source: CFPB Consumer Complaint Database.
BMO Bank National Association drew 105 consumer complaints about payday loan, title loan, personal loan, or advance loan in the CFPB database in the three years to November 6, 2026, 2.7% of its 3,944 complaints in that time. The most common issue was “Problem when making payments”. The company responded on time to 100.0% of them, and 23.8% closed with monetary or other relief.
The request: Watch BMO Bank National Association: each new CFPB complaint about payday loan, title loan, personal loan, or advance loan by issue, with the date and the company response. $10 of work on sign-up, no card.
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- 105Complaints, last 3 years
- 2.7%Share of the company's complaints
- 100.0%Responded on time
- 23.8%Closed with relief
- Oct 22, 2026Latest received
By period
The three years are cut into 12 month periods ending on the date of the latest data.
| Period | Complaints | Share |
|---|---|---|
| 12 months to Nov 6, 2026 | 35 | 33.3% |
| 12 months to Nov 6, 2025 | 29 | 27.6% |
| 12 months to Nov 6, 2024 | 41 | 39% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Problem when making payments | 37 | 35.2% |
| Charged fees or interest you didn't expect | 22 | 21% |
| Problem with the payoff process at the end of the loan | 15 | 14.3% |
| Getting the loan | 8 | 7.6% |
| Problem with additional add-on products or services | 5 | 4.8% |
| Getting a line of credit | 4 | 3.8% |
| Struggling to pay your loan | 4 | 3.8% |
| Loan payment wasn't credited to your account | 3 | 2.9% |
| Problem with a company's investigation into an existing problem | 3 | 2.9% |
| Can't contact lender or servicer | 1 | 1% |
| Confusing or misleading advertising or marketing | 1 | 1% |
| Improper use of your report | 1 | 1% |
| Incorrect information on your report | 1 | 1% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 80 | 76.2% |
| Closed with non-monetary relief | 17 | 16.2% |
| Closed with monetary relief | 8 | 7.6% |
States
Where the consumers who complained live, as they gave it to the CFPB.
| State | Complaints | Share |
|---|---|---|
| California | 12 | 11.4% |
| Florida | 10 | 9.5% |
| Illinois | 8 | 7.6% |
| Virginia | 7 | 6.7% |
| North Carolina | 5 | 4.8% |
| New Jersey | 5 | 4.8% |
| Pennsylvania | 5 | 4.8% |
| Ohio | 4 | 3.8% |
| Arizona | 3 | 2.9% |
| Colorado | 3 | 2.9% |
| Indiana | 3 | 2.9% |
| Kentucky | 3 | 2.9% |
| Texas | 3 | 2.9% |
| Washington | 3 | 2.9% |
| Alabama | 2 | 1.9% |
| Georgia | 2 | 1.9% |
| Minnesota | 2 | 1.9% |
| Missouri | 2 | 1.9% |
| Nevada | 2 | 1.9% |
| New York | 2 | 1.9% |
| Oregon | 2 | 1.9% |
| South Carolina | 2 | 1.9% |
| Tennessee | 2 | 1.9% |
| Wisconsin | 2 | 1.9% |
| Arkansas | 1 | 1% |
Latest 25 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| October 22, 2026 | Payday loan, title loan, personal loan, or advance loan | Loan payment wasn't credited to your account | Closed with explanation | consumerfinance.gov |
| October 16, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with non-monetary relief | consumerfinance.gov |
| September 26, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with explanation | consumerfinance.gov |
| September 22, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| September 19, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| September 1, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| August 31, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with monetary relief | consumerfinance.gov |
| August 26, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with monetary relief | consumerfinance.gov |
| August 24, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| August 20, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| August 11, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| July 20, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| July 17, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| July 1, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| June 16, 2026 | Payday loan, title loan, personal loan, or advance loan | Improper use of your report | Closed with explanation | consumerfinance.gov |
| June 15, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with monetary relief | consumerfinance.gov |
| June 10, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| June 10, 2026 | Payday loan, title loan, personal loan, or advance loan | Can't contact lender or servicer | Closed with explanation | consumerfinance.gov |
| June 5, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with non-monetary relief | consumerfinance.gov |
| May 28, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | consumerfinance.gov |
| May 27, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with explanation | consumerfinance.gov |
| May 20, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| May 8, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | consumerfinance.gov |
| May 8, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| April 16, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
Also on SpecStream
- All BMO Bank National Association complaints
- Every company with Payday loan, title loan, personal loan, or advance loan complaints
- All consumer complaints
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.