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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.

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.

  • 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.

PeriodComplaintsShare
12 months to Nov 6, 20263533.3%
12 months to Nov 6, 20252927.6%
12 months to Nov 6, 20244139%

Issues

IssueComplaintsShare
Problem when making payments3735.2%
Charged fees or interest you didn't expect2221%
Problem with the payoff process at the end of the loan1514.3%
Getting the loan87.6%
Problem with additional add-on products or services54.8%
Getting a line of credit43.8%
Struggling to pay your loan43.8%
Loan payment wasn't credited to your account32.9%
Problem with a company's investigation into an existing problem32.9%
Can't contact lender or servicer11%
Confusing or misleading advertising or marketing11%
Improper use of your report11%
Incorrect information on your report11%

How the company responded

Company responseComplaintsShare
Closed with explanation8076.2%
Closed with non-monetary relief1716.2%
Closed with monetary relief87.6%

States

Where the consumers who complained live, as they gave it to the CFPB.

StateComplaintsShare
California1211.4%
Florida109.5%
Illinois87.6%
Virginia76.7%
North Carolina54.8%
New Jersey54.8%
Pennsylvania54.8%
Ohio43.8%
Arizona32.9%
Colorado32.9%
Indiana32.9%
Kentucky32.9%
Texas32.9%
Washington32.9%
Alabama21.9%
Georgia21.9%
Minnesota21.9%
Missouri21.9%
Nevada21.9%
New York21.9%
Oregon21.9%
South Carolina21.9%
Tennessee21.9%
Wisconsin21.9%
Arkansas11%

Latest 25 complaints

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

ReceivedProductIssueCompany responseSource
October 22, 2026Payday loan, title loan, personal loan, or advance loanLoan payment wasn't credited to your accountClosed with explanationconsumerfinance.gov
October 16, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with non-monetary reliefconsumerfinance.gov
September 26, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with explanationconsumerfinance.gov
September 22, 2026Payday loan, title loan, personal loan, or advance loanProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
September 19, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
September 1, 2026Payday loan, title loan, personal loan, or advance loanProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
August 31, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with monetary reliefconsumerfinance.gov
August 26, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with monetary reliefconsumerfinance.gov
August 24, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
August 20, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
August 11, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
July 20, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
July 17, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
July 1, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
June 16, 2026Payday loan, title loan, personal loan, or advance loanImproper use of your reportClosed with explanationconsumerfinance.gov
June 15, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with monetary reliefconsumerfinance.gov
June 10, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
June 10, 2026Payday loan, title loan, personal loan, or advance loanCan't contact lender or servicerClosed with explanationconsumerfinance.gov
June 5, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with non-monetary reliefconsumerfinance.gov
May 28, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
May 27, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with explanationconsumerfinance.gov
May 20, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
May 8, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
May 8, 2026Payday loan, title loan, personal loan, or advance loanProblem with additional add-on products or servicesClosed with explanationconsumerfinance.gov
April 16, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov

Also on SpecStream

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.