BMO Harris Bank Anmeldelser 

I explained in branch that there were questionable charges in my account months ago. Nothing was done. now today when i need to get ga they had to cancel it because yet another fraudulent charge went through and this time they have no choice but to cut the card. Although it worked just fine to do my deposit... the slogan in keep you safe but all they do is keep me insane. Avoid at all costs.

I am managing an account for an elderly relative and it's one nightmare after the other. If they can't help you on the phone, you are 'accidentally' disconnected. They say they will call you back, and they never did. I cannot wait to be done with this company. DO NOT USE THEM.

Just adding to the array of dissatisfaction with this terrible bank. Called 5 local banks this morning and not one answers their phone. I'm done with these guys. Who is running this company? They have their head up their ass.

This bank sucks, they have the worst mobile application, it just won't take check deposits, always says that the information is inaccurate. In addition, if you manage to get the deposit through, they will hold your deposit for 7 business days, I closed my personal and business accounts! Their customer service is non existent.

Deeply Disappointed by BMO’s Discriminatory Practices

I recently opened an account with BMO and almost immediately regretted it. Not even 24 hours had passed before my account was flagged, locked, and I was effectively labeled a scammer — for no reason other than, it seems, my Nigerian last name. For the record, I was born in Tulsa, Oklahoma.

When I called to speak with a supervisor for an explanation, I was met with vague responses and obvious discomfort. He couldn’t give me a clear reason, and instead began stumbling over his words. At that point, I made the decision to walk away. I told him to keep the account locked — I no longer wanted to do business with a company that demonstrates such blatant bias and disrespect.

The experience was degrading and humiliating. It’s deeply troubling that in 2025, a major financial institution would rather jump to conclusions based on someone’s name or ethnicity than treat them with basic fairness and dignity.

BMO, you need to do better. I read concerning reviews before signing up and hoped they weren’t true. Unfortunately, what I experienced was worse than what others had warned about. No wonder your parking lot is empty.

Good day.

Hi ,I got Complicated Account Opening: From the start, the process wasn’t smooth.
Long-term Dissatisfaction. I maintained the account for over 1.5 years despite being unhappy.
Difficult Withdrawal & Closure Process,they were given the runaround with constant demands for documents (declaration forms, notary signatures, etc.).
Repeated Communication Failures: Long call durations, dropped calls, and conflicting information.
Spending Time & Money Unnecessarily.I paid for notary services $ 100 and spent a lot of personal time with no resolution. Please I request to all Canadians do not open an account with BMO Haris account otherwise you will suffer

BMO contacted me asking me about transactions and deposits from 5mos back until now, as if I could recall. This woman interrogated me under the guise of KYC, asking source 0f deposits and reasons for withdrawals and Zelles, as if I was trafficking dope. I have never had anyone call me questioning my transactions and deposit source, it felt like discrimination. The bank has my employer and income on file, yet questioning me about minimal transactions. I am disgusted, I know this is not the norm and will be closing my account today.

Horribly deceitful place, they made the process of Closing a CD account so difficult they forced a delay in their favor causing me a $1355.00 penalty, unhelpful rude staff. Stop Stealing money from people, Avoid this Bank At All Costs!

I’ve been a loyal customer of BMO (formerly Bank of the West) for over 10 years, but my recent experience at the Concord branch was beyond disappointing—it was dehumanizing.

After my purse was stolen with all my ID and cards, I went in urgently needing help to access my own money while in the middle of a move. I expected security. What I didn’t expect was to be treated like a criminal. No one addressed me by name, offered solutions, or showed the slightest empathy. As a Black woman, I left feeling profiled, dismissed, and completely unsupported.

The behavior from the branch manager was especially unacceptable—cold, unhelpful, and lacking any leadership or care. I left that branch not just without access to my funds, but with the deep disappointment of being mistreated by a bank I once trusted.

My wife Anne received an offer to apply BMO platinum credit card. she called BMO to find out what is the balance transfer fee for the 15 months free interest offer. Without any reason, The agent rudely told my wife she needs to go to a local branch to verify her identity then hang up on her. She is an online customer and there is no branch in Houston area. After that she is not able to sign in her account online. THE BOTTOM LINE IS DO NOT APPLY A CREDIT CARD WITH BMO ONLINE. THEY WILL ASK YOU TO GO TO A BRANCH TO VERIFY YOURSELF. IF THERE IS NO BRANCH IN YOUR AREA, YOU STUCK, BESIDES; THEY DO NOT APPRECIATED YOUR BUSINESS AND THEIR AGENTS ARE VERY RUDE.

BMO was good for 15 years until just recently, when they started closing accounts without cause. They closed our CHURCH account as a "security risk" for accepting cash donations. Then, they closed my business account for something else they made up (that never existed over the past 15 years). The young kids who are new to the bank are creating havoc. The bank I loved for 15 years is out-of-control. WARNING: Walk away; they are INSANE!

If I could give no stars, I would. This bank has a cheque for me since 2023. The customer service representative has 0 clue what they’re doing. They hang up on me a lot too.

They sent me a credit card I used it once and then they canceled it. The feds need to check this bank out.

My card was abruptly cancelled months ago, with no notice, there was no problem with payments, they just closed a card I’d had for over 20 years with the bank this one bought out. Today I went to make a payment, on the due date, and could not make a cash payment at the branch! The teller gave me a number to call for customer support. There, I was told I’d have to mail the payment. I asked to have a note put on the account that I attempted to pay on time in cash but couldn’t. She did, but said she couldn’t guarantee no late charge. Do not trust this bank!

This is the worse bank I've ever used. They lose money and take money from your accounts. I haven't used my card now I'm overdrawn and they trying to say I put the money into cashapp but the account won't allow you to put money into cashapp that you don't have. My account won't allow me to send money I don't have. I can't overdraw

Do Not Do Business With This Company:You will regret it in the future. I paid every payment on time and paid my auto loan out in 2017. BMO Harris sent me the title a month later. I misplaced the title and went to the local tag office to order a replacement title on June 13 2025. I was told on June 13th 2025, that BMO Harris never removed the lien, after I paid the vehicle off. I contacted the BMO Customer Relations Department and they acknowledged the mistake and advised I would receive a release of lein form in the mail. I later spoke with a manager and she refused to help me and give me her employee ID #. BMO Harris has given me the run around ever since and refused to discuss the matter with me. when I attempted to follow up with them on June 24, 2025, as I have not received the lien release they said they would send, so I can get the title for the vehicle. I paid every penny I owed this company with no late fees and this is the appreciation they show me.

Absolute trash. This is the third world country of the banking industry. If you are a current customer and you are on here complaining about them you should seriously consider taking your complaint somewhere it will make a difference. I suggest to you that go to the Federal Trade Commission and initiate a complaint. Also, the practices in place at this institution are criminal which qualifies it for fraud complaints at the IC3 wensite. This is is the FBI online crimes division. You will need to have your data organized when you go to IC3 and file a complaint. Some of the things you're going to need are the account numbers, the address of the headquarters or the branch you you walked into to open your account if you did so in person. And if you did so in person it would be good to have that branch managers name. These are complaints that will eventually cause problems for scum organizations like BMO. Trustpilot is nothing more than a gossip channel. What's more is TrustPilot removes negative complaints regularly for illegitimate reasons because it works in trustpilots favor for businesses to post a good score on trustpilot. Why? Simple. Because then there is an organization out there that puts the TrustPilot brand out in front of their company and therefore they'll be seen in a positive light by all the customers of that business. Therefore, TrustPilot is a compromised and even corrupted platform that really is useless except for P2P word of mouth

Worst ever - they are quick to take your money but make it impossible to get it back. They place 30 day limits on money transfers to my other banks - in effect keeping my money as long as they can so they can use it.

I’ve asked for them to call me but they will not. Doug Romans - if they happen to read this give me a call!

My advice is to stay away from BMO altogether.

I left BMO because of multiple issues.
1) They repeatedly gave out my account information and balance to someone who was not on my account
2) They allowed this person who was not on my account to transfer money out of my account
3) They informed my account beneficiary that he was the beneficiary. (NOT their place to divulge that private information.)
4) Twice they gave me fairly large sums of money without confirming my identity.
5) Even though I repeatedly asked them to confirm with ID whenever giving out my account information or MONEY, they never did.
With a 94% 1 star rating, wouldn't you think they would at least TRY to improve?

Terrible Service – Not Worth the Headache

BMO Harris is hands down the worst bank I’ve ever used. I recently deposited a personal check and was shocked when they placed a 10-day hold on it, despite my account having no prior issues. I was traveling at the time and had no access to the funds I rightfully expected to be available.

This isn’t the first time either, it's the second or third instance of BMO placing an excessive, unjustified hold on my deposits. I’ve been patient, but enough is enough. This kind of unpredictable and unreasonable banking practice is incredibly frustrating and completely inconvenient.

Like many others, I’ll be closing my account as soon as the funds are released. Avoid the stress and choose a bank that respects its customers and their time.