BMO BANK National Association — CFPB Complaint Data

Updated 2026-10-14

Data source: CFPB Consumer Complaint Database. This company’s rollup was computed October 14, 2026. View the live CFPB record.

Source coverage through: October 14, 2026. Last successful pipeline run: November 12, 2026 UTC. Coverage is 29 days behind today. The ingestion cursor has reached today.

This is a rolling snapshot, not a complete current count. Confirm the latest record directly in theCFPB database before relying on a total or ranking.

Use this record as context before you pay, respond, or file a complaint: it shows what consumers reported and whether the company responded, but it does not prove wrongdoing or tell you whether your individual debt is valid.

A CFPB complaint means a consumer submitted a complaint against BMO BANK National Association and the company was given a chance to respond — it isn't a lawsuit, a fine, or a verified finding that the company did something wrong. Raw complaint counts also aren't adjusted for company size: a large national company will show more complaints than a small one even if it handles a lower share of its accounts poorly.

16% of BMO BANK National Association's complaints on record are about "took or threatened to take negative or legal action" — the single most common issue category.

Total complaints (ingested)
37
Trailing 12 months
37
Timely response rate
100%
37 of 37 complaints with a timely-response field. Not whether the complaint was resolved.

Have a problem with BMO BANK National Association?

A CFPB complaint is free, takes about 10 minutes, and generally requires BMO BANK National Association to respond within 15 days. Before you file: attach documents (statements, letters, screenshots), be specific about the product and problem, and state exactly what resolution you want.

File a complaint at consumerfinance.gov →Read the full step-by-step guide →

Top complaint issues

The specific problems people reported, most common first.

  • Took or threatened to take negative or legal action — what to do6
  • Problem with the payoff process at the end of the loan6
  • Attempts to collect debt not owed — what to do6
  • Charged fees or interest you didn't expect5
  • Problem when making payments3

Complaint trend (monthly)

Complaints against BMO BANK National Association fell 52% over the last 3 months compared to the 3 months before that.

Apr
Jul

State distribution

Where complaints against BMO BANK National Association are coming from.

See CFPB complaint trends by category →
How BMO BANK National Association compares to other companies, ranked →