| 5 star: | (10) | |
| 4 star: | (1) | |
| 3 star: | (0) | |
| 2 star: | (4) | |
| 1 star: | (122) |
I like to start by saying I would like to give this bank and absolute zero or a minus 100 the experience I have had with this bank has been the absolute worst experience I have ever had with any Bank from being racially profiled because I have money in my bank and having my bank account froze because of that to going online to try to send payments only to have my bank account Frozen again and again because I don't know how old my friends kids are, why would BMO Bank ask me about my friend's children, I am no pedophile and have no business knowing anything about my friend's children but because I can't answer questions about the birthdate of my friend's children or where they live BMO freezes my account and I have to go through a process of having myself identified over and over and over again for the exact same thing no matter what I say that's exactly what the problem is they are asking questions about my friend's children not my own horrible experience horrible experience horrible experience
Had a Bank of the West since 2018 no…
Had a Bank of the West account since 2018 no problems ever since it's BMO fees everywhere. They even charged me an annual fee on a secured credit card. customer service hangs up the phone, and I believe there's a $10 service fee for calls. I think they're just trying to get me to call over and over again so they can bleed all the money out of my account that way they won't have to send me a check. Chat can't help me, now my account's Frozen I can't access my money, they won't close the account and send me a check even though when I call this morning she said it would be done by the end of the day. every time I call asking if the account is closed they tell me they can't give me an answer for security reasons . They kicked me out of zelle and marked it confirmed fraud when I've never committed any fraud when I asked to speak to the person who made the decision they said they can't receive phone calls these jerk offs are up in Canada so they don't give a crap when I call they hang up worst banking experience ever
I had a CD account with BMO. When the CD matured, I called customer service to close the account and retrieve my funds. Based on their accents, the representatives should be located in India, which I am perfectly fine with. Since this was my only account with BMO, customer service informed me that they would send me a cashier's check.
The check did not arrive on the promised date, so I called again. This time, I was told it would arrive by Tuesday. When it still hadn't arrived by Tuesday, I called again on Wednesday. The representative then told me that I should have received the check five days ago and that they would cancel the original check and send me a document to sign for a new one. However, he couldn't provide an estimated arrival time for the new check.
By this point, I was frustrated as I had spoken to three different agents, each providing conflicting information. I requested to speak to a manager and eventually spoke to a native English speaker. She explained that the check could be delayed due to slow systems and postal service issues. Although she couldn't provide the status of my mail either, she advised me to call back on the upcoming Monday if I still needed help. This explanation was reasonable, and fortunately, I received the check on Friday, making further calls unnecessary.
What I can accept:
• The system being slow.
• Inability to track the status of a mailed check.
• The Indian accent of the customer service representatives.
What I cannot accept:
• Receiving three different stories from three different agents.
• Being given incorrect information about the status of my mail. If the status is unknown, it is entirely acceptable to admit that. It is absolutely wrong to tell me that the check should have already arrived five days ago.
To say I am more than disgisted is an understatement!! DO NOT USE BMO for ANYTHING! They made buying a house almost impossible. They are incompetent and very unorganized. If I could give this bank negative stars I would instantly. BEWARE OF BMO! The underwriters are morons and the loan officers are idiots! We were scheduled to close 3 days ago and rescheduled, now sitting here waiting for their paperwork to be sent over. WORST BANK EVER!!
They changed their online system and the online system now works erratically at best. One day I can get online to see my acct; the next day it is impossible. Their website keeps telling me I don't have the correct log in info - even though I using identcial info each time.. It is next to impossible to talk with anyone at BMO who knows what to do. They tell me to change my log in and password. I do and that works for 1 day. Next day I have the problem getting online all over again. They tell me it is my cookies. I clear cookies. That accomplishes nothing. I have tried to talk with their tech people. It is impossible to get hold of them. It has gotten so bad that we are going to change banks - despite having been a customer here for more than 40 years.
My name is Nina Williams, and I am divorced. I have three kids with my ex-husband, who messed up my credit report before we got divorced. This made my life with my kids a living hell, and I felt frustrated. However, I met a friend in church who recommended H A C K M A V E N S CREDIT SPECIALIST. I contacted them, and within 7 days, they fixed my credit and increased my score from 515 to 785. Now, I can take loans, own a house, and run a business. If you have any credit-related issues, you can reach out to them via EMAIL: H A C K M A V E N S 5 @ G M A I L. C O M or Call/Text/Whats-App: .
I was a customer of Bank of the West for many years, when BMO bought them I thought staying was just the easiest option. HUGE MISTAKE! I have always utilized the bank’s online bill pay with no problems EVER. Then comes BMO… I submitted a payment to my auto insurance on 05/10, I always pay in full – and early! So I entered the date of payment as 05/23 – actual due date was 05/26. On 05/16 BMO sent me an email to let me know they mailed a check. I phoned them on the following Monday (05/20) requesting they opt me out of the check option – If I wanted to risk usps I could have mailed the check myself! Customer Service said I had no choice but my displeasure was noted. 05/26 my auto insurance was canceled. Today I spent an hour in the bank. The teller first had no idea what I was talking about – totally unaware of her employer’s fun new policies. She had to talk to some suit at a desk, then had to call the bill pay service herself only to tell me I have no option. I said “CLOSE MY ACCOUNT!” she said I’d have to pay the stop-payment on the check that is still floating around out there. So here I am, no car insurance and no course of action, I get to just sit and wait. But as soon as that check clears I’m out!
hello every one my name is Fay Brett I'm from USA North Carolina.
I have used banks for 45+ years and never had I received such poor care. Phone system does not direct you to correct department even though number is on payment slip. When you do contact them they ask to many questions, and barely understand them Will never bank here again and will warn friends.
I have a boat loan that was with Bank of the West but was bought out by this awful bank!! The WORST customer service EVER. I called into the bank to make a payment they needed to VERIFY me.. she proceeded to ask me if I was alone?? What has that got to do with anything was my response.. I had all the information to verify that I was who I was .. acct # etc.. she went on and on I asked repeatedly to speak with a supervisor and NEVER got one.. to the point I hung up on her!! I can understand every single bad review of this bank they have the worst customer service I have ever in my life encountered! NEVER EVER do business with them!! Wasn’t given a choice as our Ioan was transferred and that stinks for us!
They are not worthy of one star!!!
This is the WORST bank I’ve ever dealt with in my life!!! The local branch doesn’t even answer the phone over half the time, and there’s no way to leave a message!!! I’ve been trying to get them to return two overpayments that were made into the account and they have yet to make it happen and I’ve been waiting over 6 weeks! They’re unorganized, ignorant, and unprofessional. Stay away!!!
I had a CD with BMO, which I funded electronically (as every bank I know does). However, when it matured after a year, they had no way to get my money out electronically. They forced me to take a paper check from them. I closed the account on May 1st. I finally received my check yesterday (May 10) and today I took it to my physical bank to deposit it. So they are putting a hold on the deposit (a small amount will be available on the 15th, 2 weeks after I closed my CD). the vast majority of the money I son't be able to touch until the 20th, or basically 3 weeks after I closed the account. I'm sure that hold time wouldn't be necessary (or minimal), if I didnt have to deposit a paper bank check. they seem to be requiring a paper check out of spite, as there is no good reason otherwise. Find a better bank. That's what I am doing to do.
This is the worst Bank I've ever had ... they put my account as frozen... its been over 3 weeks and I can't even get my money withdraw.... for no reason there holding my account... what kind a Bank is this ????? Do not use this bank ... I willl never go to this bank at all... the fraud department is so rude and ignorant..... BMO Sucks. And now there telling me it might take up to 30 days ..... I Hate This Bank ... I will take Bank of America and Chase 100% over this Stupid BMO
I worked for this bank for 7 months.
90% of the customers who came into the branch, were there because of either REAL fraud on their accounts that the bank did not catch, or because the bank put their accounts into fraud status for no reason and froze their accounts.
The bank will automatically re-open your account after you close it. If someone puts through an ACH charge on your account, they will pay it (no matter how long it has been closed), and then rack up fees and send you a threatening notice that they will be reporting you to the credit reporting agencies.
However, if there is no activity on your account for 30 days, the bank will automatically close your account without notice. Personal accounts, business accounts, it doesn't matter. Accounts with balances of $50 or $500,000 or more. It doesn't matter.
There have been people who 90 days after the bank had mysteriously closed their accounts, who cannot seem to get their money. There is something wrong here. Something very, very wrong.
Have you gotten yourself involved in a cryptocurrency scam or any scam at all? If yes, know that you you are not alone, there a a lot of people in this same situation. I was a victim of a cryptocurrency scam that cost me a lot of money. This happened a few weeks ago, there’s only one solution which is to talk to the right people, if you don’t do this you will end up being really depressed . I was really devastated until i sent a mail to an expert team who came highly recommended – \. I started seeing some hope for myself from the moment i sent them a mail. The good part is they made the entirely process stress free for me, i literally sat and waited for them to finish and i received what i lost in my wallet.
Without going into much detail, BMO bought my Bank of the West credit card...I have 0% APR promotion....BMO would not honor it.
LISTEN CLOSELY...... YOU FILE A COMPLAINT WITH CFPB. EEZY PEEZY.
AS SOON AS THEY RECEIVED COMPLAINT, THEY REFUNDED EVERY CENT.
THAT'S HOW YOU BEAT A BANK THAT SUCKS AND HURTS CUSTOMERS.
I just wanted a copy of a 1099.
Robochat says it is under "Documents."
Not there
Called three numbers. On hold for hours.
Finally got a person who would "Connect me with someone, without transferring."
I was on hold for 45 minutes while she waited to get through to the "commercial department."
Finally gave up. I will have to drive 2 hours to get to a branch where a real person will hopefully give me a piece of paper.
Bank of the West was wonderful.
This bank is the worst.
Worst bank I've ever had, can't wait to leave. I was a faithful Bank of the West customer for decades, so banking with BMO was not by choice. My debit card was constantly getting frozen for purchases I made—talking about $20 transactions. All vendors I had previously used. Didn't even receive a text simply asking to verify the purchases. They just froze my card. Then they missed actual fraud on my account: two $75 purchases at a gas station. They sure didn't catch that! Thank God they reversed the charges, I will give them one star credit for that. Then the cherry on top: I just received notice that they've lowered my credit limit on my credit card by $3500! Like I said, I had been a loyal customer, making on-time payments for decades, and that's the reason my credit limit was where it was. Now all of a sudden my credit is dinged, and my credit card is maxed out. No warning! Terrible, awful, do not bank here!
I have used multiple banks in the US, and BMO is definitely the worst. They held me more than 1 hour on the phone without solving my problem. The banker in the branch did not help either. The customer service was awful. I do not recommend this bank. If you want to work with this bank, think twice!
Absolutely terrible bank in every way. I was a long time Bank of the West customer before BMO took over. After the switch, I endured the terrible mobile banking and customer service, hoping they just needed to "work out the rough spots."
Nope. No more. I will not remain a customer any longer and can't wait to close my remaining business and consumer accounts.
Small businesses, if you actually need access to the money you deposit, steer clear of this bank. They think they're more entitled to your earnings than you are.
Two year old business account. No overdrafts, no problems on my company's end. I just deposit the money we earn and pay the bills. Then BMO puts an extended hold on a check deposit from my client who is a large, well known, solid corporation issuing their check from a large, well known, solid bank. Multiple deposits from the same client in the past with Bank of the West were all fine. Reason for hold? "Doubt of collectability" due to "confidential information." I know the check from the client cleared immediately. There is absolutely no reason that they held that check past the moment the client's bank paid it, even if they had some mysterious reason to "doubt collectability.". The only other reason it seems banks use that hold reason is if they suspect the depositor is doing something nefarious like check kiting - which would be impossible since I didn't own the client's account....??? I asked them how could I prevent this from happening in the future? No answers...But BMO gets to collect daily interest on the held funds and probably hopes for a few overdraft fees if they get lucky (they didn't, from me at least but I can imagine not everyone realizes the hold is in place before they pay bills!)
Customer service told a different story every call, but overall they absolutely couldn't tell me why the hold was placed - I was told it would be in a letter that should be in the mail, but they "couldn't tell me what the letter said." Seriously? The letter arrived the day the funds were finally released - 10 days after deposit- citing "confidential information." Thanks BMO, very timely and insightful information there.
(Oh, and if this happens to you... Reg CC which covers these types of banking holds requires BMO to refund overdraft fees when the check actually clears, if an overdraft otherwise wouldn't have occurred if the funds had been made available immediately. Make sure if this happens to you to pay attention to the fine print - BMO will NOT automatically remove overdraft fees - you have to FORMALLY REQUEST that they refund them...because slimy banks do what slimy banks do I guess.)
It's just not worth trusting a bank that can't explain their own actions, or help your business avoid repeat problems in the future. I will gladly take my money elsewhere.
20 year BMO customer and happily walked away today . Save yourself headaches and avoid this bank . To much to say and nothing good about this bank and the folks running it .
My story begins. On March 9, 2023, I decided to open a credit card with this bank.
A couple of months later, having slightly forgotten that I had signed up for something, I receive an email telling me to enjoy the card and its benefits.
Maybe this is a case of theft? But I don’t think so, I even got my passport and the other 55 different cards.
I decided to go to the bank. They took the driver’s license, confirmed the address, and said that you should expect the card within 2 weeks. 10 months have passed. No map. No news ?????
On the anniversary of the opening of the card on March 9, 2024, I decided to celebrate ?? I don’t have a card, I’m calling the bank. I'm calling as a new client._press *, press 4 for information about credit card, and you know what??????? They need credit card number!!!! ?? seriously ??? I’m not a customer!!!!!!!!!! OmG ?? my ?? dying. And with no options back to menu or other options they just broke the call. This is very unprofessional and absolutely terrible for the service.
After this I wanted closed my new account there and started with a call like new customer.
The first call: the girl, after listening to me, said that she could transfer me to another department, in which they were dumbfounded and did not know what to do with me, for the third time, a transfer to the department for transactions and credit cards, and they asked, you won’t believe it, the card number. But I’m already getting angry, where the LUCK will I get this number. I explain again that I applied for the card 13 months ago and never received it. Here the operator and I find out the following:
the girl says on February 28, 2024 the card was sent by the bank to the address with the wrong apartment number. There was automatic resent new credit card because their in-door politics. But, hold on!!! In may 2023 when I went to the bank in person there are confirmed with my DL and I’ve also confirmed 7-10 business days. That’s so funny, ?? maybe some day I’ll receive my CC.
Maybe I’ll never use it. Who knows. Be good ????
BMO U.S. The bank that will shut off your card as a resolution to help you resolve a disputed charge.
I wasn’t happy when BoW was bought out by BMO, their usefulness as an institution dropped off almost instantly. The BoW app was functional and worked well, the BMO app makes it tough to even setup a bill pay, and other than checking your balance is non-functional or so badly cabbaged together the most rudimentary task is difficult.
But, because I had 40 years worth of history, 2 accounts, 1 HELOC and one credit card, all my bill pay setup and auto deposits decided to tough it out and accept the 3rd worldliness service.
Well, the capper came today, I had a charge I wanted to dispute. Now back in the old days I’d just fill out a form online, but no-no now we go thru the phone tree. First, I was informed nothing can be done about the charge because it’s pending. No, really you’d think they could lock the charge so it wouldn’t process like other banks, but no, no we have to have the money taken out of my account first. Then maybe BMO will do something about a dispute. Finally the CSR offered me a solution for the future, she’d just shutoff my card. YES, you read that right, this woman offered to cut off my card to avoid future disputes.
I have been recieving the same check for the same amount from the same company for 3 years and depositing it into my same checking account.
When BMO took over and I went into the bank to deposit aforementioned check, they told me it would be a 2-3 day hold. So I asked to cash it and then deposit it into my account. I was told that I would have to deposit the money into the atm. Mind you, the check was DRAWN ON THEIR BANK! A government agency. I asked to speak to a supervisor, which was not allowed but the teller got permission to go ahead and do as I asked because they didn't want me to cause a scene in the bank, I'm sure thats why! I was told it was against the banks policy to cash a check and then deposit it. But guys, isn't it the same as just depositing it and making the money available without the 3 day hold? Either way it would be available same day. I never had this issue with BOTW!
Calling into these guys advising their site is down always need to verify your account with questions and when you don't have the right answer they tell you to see your main bank for further assistance.
I'm like WTF I called you 1 hour ago for the same issue I'm reporting, fucking online banking is fucked up!
Really is the worst support I have every dealt with. I provided my troubleshooting steps to advise my account isn't a problem cause I can login through mobile, even did a password reset with them a hour ago. Once I got my new password, went back to the site and it still threw the same error. Yes I cleared my history, changed browsers and used inprivate/ incognito mode but they're response - "Well we're not seeing any outages, so it must be just you" WTF BMO! fucking Stephanie you need a career change for lack of support!
Ever since BMO Bought Bank of the West. What was once my favorite bank ever became BMO and instantly became the worst bank I've ever done business with. I have ordered from websites such as indiegala, fanatical, gog and several other video game sites for YEARS! and not once was I EVER charged a Foreign transaction fee. I am paying in USD. I'm aware the companies are technically not in the u.s. but that was never a problem with bank of the west. To even get around this I started using Paypal. So I paypal in usd. That means my bank BMO pays paypal a U.S. based company in USD and then paypal not BMO transfers that money to fanatical, indiegala, or whoever. I'm not getting charged foreign fees at all by any of the companies or paypal. It's coming from BMO and I tried to point this out to their inept customer service and they just kept giving me the runaround that it's the other companes charging it. It's not It's BMO. I smell a class action lawsuit coming up. Cause BMO was actually sued in Canada for illegally charging foreign transaction fees. I think there needs to be a similar lawsuit in the u.s.
I have been a Bank of the West customer since 1995 without issue. I tried to use zelle after the merger and wasn't. My account was locked. After hours on the phone and speaking with several people that are clueless they identified the block from before the merger and that someone would take care of it and call me back within 48 hours; that was 4 months ago and I still can't use zelle.
I was trying to activate my mother's debit card. She is a senior and doesn't know how to use technology. Normally you activate a debit card from the automated system if you call from your registered phone. At BMO you are grilled with security questions to verify identity. My mother wasn't able to look up her paperless statement to verify a deposit amount in the last 30 days. I looked it up for her but since she had help they wouldn't accept it. She is disabled but my only option is to take her into a branch. That will consume her whole day just so she can access her own money!! We will be closing the account. Not a place for seniors.
My Name is Andres Sanchez long term customer from Bank of the west NOW BMO. I just was attended by phone customer services by Roberto. to update my payment bank account ( to pay my loan) Installment loan 00000391923741 I was with him in the phone almost 30 min in phone he requests me many personal information.like Social S, Address, phone number, cars ids and many info more. after that he said me I can't help me.that I need go to the branch But at this time we are very concern because my identity was RAPED. after I closed the call I received some alert from my social account protection. so I don't know what happened.but be carefulll
I had a home equity line of credit (HELOC) with them and faced numerous challenges. Their customer service is lacking, their systems are inefficient, and their website is frustrating to use. As a non-native English speaker, I've noticed a significant shift in the tone of their customer service representatives once they hear my accent. Initially, I thought this was a one-off issue, but it became apparent that it's a widespread problem.
Moreover, any time I needed to make changes to my account, they asked me to email my requests to an unusual email address. This process raised two questions for me: First, why is there a need for a customer service department if all requests are managed through email? And second, why use a complicated email address that's difficult for clients to remember and not readily available online?
The issues extend to their website and how they manage the HELOC. Despite my efforts to pay off my balance, I continually found small charges added the following month. Their explanations for these charges were always convoluted. Most notably, after settling my balance and deciding to keep my account open, they unexpectedly withdrew $1,500 from my bank account at the start of the month. They claimed it was due to an autopay setting and instructed me to cancel it via email to prevent future withdrawals. This situation highlighted how flawed their system is, unable to detect when no payment is due yet still proceeding with account withdrawals.
These experiences are just a few examples of the difficulties I've had with BMO Harris over the past four years. Based on these experiences, I cannot recommend their services and have decided not to conduct any further business with them in the future.
A few months ago my financial situation was basically a mess but Today, I've been very pleased with the work done by the professional Team at J E T H A C K S R E C O V E R Y C E N T R E in helping me restore stability in my financial life and for that am very grateful. I was introduced to J E T H A C K S R E C O V E R Y C E N T R E by Mr. Phil Crescenzo of Acre Mortgage. Before then , I also heard stories both good and bad about recovery hackers and the possibility of recovering lost/stolen assets But like most people, I assumed that if it were the real deal I would have heard about it on the news or something until Mr. Phil here whom I know very well in person recommended them to me, without any further delay i enquired with the team via their Telegram account @ J E T H A C K S S on the possibility of getting my funds recovered to which they responded promptly and assured me my case would be dully resolved after they had performed their initial verifications and tracing process. The team was clear and specific on the process involved in recovery exercises, I knew It was never going to be an easy task but I wouldn't have had it any other way. Everything worked just like Mr Phil and the team assured me earlier on, I got my funds recovered from the fraud company I invested with within the span of 48 hours after being stuck for approximately 5 months, this team is the real deal. I would recommend J E T H A C K S R E C O V E R Y C E N T R E to anyone who is looking to get a second opinion from experts before getting involved with any online financial investment or looking to recover their already lost assets, they’re also available on Email : J E T H A C K S 7 @ G M A I L . C O M
If you want to waste a lot of time, have money taken out of your account without your permission, the total of your loan not go down because of "glitches" in their system, deposits being wrong, and have nothing better to do than to spend hours at the bank and on the phone, then by all means to BMO.
The bank we banked at in our small hometown closed and so we changed banks and went to the only other option a year ago. We are now moving to another bank and moving our loan.
They have gotten checks "stuck" in their machines when I have done our business deposit. They didn't find it until they called the next day. This was after I spent a lot of time trying to figure out where I went wrong. They called the next day saying they found the check. I now stand there each time I make a deposit and match everything up.
We have to watch our house loan closely as they have had many, what they call "glitches" where the money is put towards the loan but our escrow hasn't come out. Also, I notice the total has been the same. When I spent a long time on the phone they said there's a glitch but it'll be fixed in 2-3 business days.
The best one is after having auto payments set up, the last time they took out an extra payment....yes, an extra payment 3 days after the auto payment was paid, but this one wasn't applied to the total of the loan either. So, apparently they can take money out of our account without us even okaying it???? Like what???? And, then not to even have it applied to the loan.
Our credit card, that we canceled months ago because of all the problems just charged us a $30 late fee. Even the vice president of BMO "couldn't" understand it. She called with me there and got that "taken off." Why is it on there?? We canceled the card.
Honestly...don't bank there!!!
Seriously, DO NOT USE BMO FOR ANYTHING!!! Watch your transactions, watch your loan payments closely, but honestly GO TO A DIFFERENT BANK!!!!
IF I COULD GIVE NEGATIVE STARS I WOULD GIVE AS MANY AS THEY'D LET ME!!!
While trying to get help with a question about beneficiary IRAs, the customer service team forwarded me around to half a dozen people and departments. I also called the local branch twice. Nobody could answer a relatively simple question. They would each essentially read from a script and then realize that I didn't fit within their script before forwarding me on to another department. One of them forwarded me to a department in Canada when we originally started on the US customer service line. I was on the phone for almost 3 hours.
When I asked for a customer feedback number or email, they said they don't have one. They only have a mailing address. BMO customer service failed me and the only way to notify them about it is if I write a letter and mail it to them.
I used be a Bank of the West client. I had business accounts with them. BMO took over and it has been a pain since then. They have a fee for everything, their customer reps don't have answers when I call. I really tried staying with them after the transition happened, but their customer service reps really frustrate me every time I call. I am switching banks.
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I banked with Bank of the West for over 25 years with great customer service. BofW went out of their way to help when banking needed a little extra service. At one time i had over 12 accounts for specific escrow holdings totaling 1.5 million dollars at a high.
Tried to close the last account with 1000 dollars in it and it took 4 visits and 3 months to close the account. No one cares at BMO if they give you good service or bad. Certainly don't care about your time
The worst bank I've ever seen in my lifetime. The customer service is so bad on the phone there is no way I can redeem my credit card points. Then they said they will send me a gift card that is not guaranteed to come and they can't deposit on your account. It's just a scam bank nothing is guaranteed. This is the worst bank ever. I will never advise anyone to a business account to one it there nor the credit card. Customer Sastication is 0!!!!
Deposited 5k check from state next morning account was frozen made several ph calls went to branch manager gave no reason other then there is 30 day hold on my account because I deposited a check from state and sorry there is nothing she can do it’s Friday afternoon and I have no money smfh zero rating if I could
Customer service is terrible, policies are designed for criminals. Phone calls to alert you to an urgent matter which turns out to be automated, then you call back and there is no indication of who to speak to or what the urgent matter actually is. Once you get to someone you find out - it wasn't really an urgent matter, but you are still givent the third degree and even asked for personal information such as your social. Horrible. F! you Canada! You ruined a great bank.
Every time I call I get transferred to like 5 different departments and at some point in, the call s randomly disconnected or they “don’t hear me” or they answer and no one talks. It seems like no one knows how to work there or isn’t interested in working correctly. Horrible horrible horrible experience. Wasted over an hour of my life and got nothing resolved.
If I could give BMO bank negative stars, that's what they would receive from me. They took my payment twice from my checking, I called my bank to reverse one, it was successful, and then BMO recharged me. There are no branches around me, so I have to notarize a document to verify that it's me, and submit via email, before they even speak to me. They continue to charge my account late fees and reversal fees. The services is beyond horrible, I didn't even receive paper statements or emailed statements, this is the worst bank and credit card I have ever owned, I may even pay it off just to be rid of them. Horrendous, do not get a BMO credit card or have any business with them ever. My review will be posted everywhere possible to let people know this, I hope they get shut down.
BMO took a loan payment from our checking account without our authorization — we do not have automatic payments set up. We called to complain and the rep said she would forward our complaint to “the next level”. Worst part is we made a payment before seeing the illegal withdrawal from our checking account had been made the day before. We are beyond angry!!!! We want our money back!!! This should be illegal!!!
I'm just going to say one thing:
You can't make a simple wire transfer from the BMO app. I mean, WHAT THE ACTUAL FUCK???!!!!
This is basic banking service 101. Make a wire transfer. Send money to someone. But not for BMO actually, where you can look at the money in your account, but can't send it anywhere.
What a fucking joke of a bank
Let me give alittle background first off I have been a custmer With Bank of the West for over forty years even before they where bank of the west. Before BMO bought them Bank of the West was a good place to do business.I live in Forest Grove,Oregon and at one time had close to $100,000 dollars in BMO, problems started when BMO took charge, The branch mananger Carlos wouldn't show up for appointments wouldn't call to at least say that something had come up,also was not very helpful to my partner who has also closed her account.So on a scale of 0-10 I would have to give the new crew at BMO a .1. I probly should have waited until after BMO senrt out the tax statements, which according to Fedral law is January 31. I have spent countless time on the phone with BMO to get my Statement and finall the 3 of march is when I got my 10-99 from BMO. I will never go in that bank or for that matter any other BMO branch I am done with their way of doing business I am forced to give them One star however it should be 1/4 star.
This bank is terrible. I am not interested in renewing my CD. After waiting for 30 minutes to talk with someone, I was notified 1) they can not send funds electronically to any account (including the account that the funds originated from, 2) they can not accept notice of non-renewal prior to the actually maturity date (which no other banking institution I've encountered requires). THIS BANK IS IN THE STONE AGES AND IS DOES NOT HAVE ITS CUSTOMERS IN MIND. Given the complete lack of customer service, I think they rely on trapping funds in the account, because I can't imagine anyone willingly leaves their money with these jokers.
I withdrew my funds after only one year. The manager could not answer any questions about the bank's policies and did not try to find answers for my financial questions. He did not show up for appointments either. At first I thought it was because I live in a small town, but no, it was just plain incompetence and shady practices, such as not posting deposits for several days and not having tax statements on interest available at the bank.
High stress trying to work with this bank. Hope it goes bankrupt!
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I opened multiple CDs accounts with 12 months terms. Closed one CD to withdraw funds and was okay with the multiples fees linked to closing a CD but could not withdraw my funds. So I was adviced by their representative to open a savings account and move the funds there to transfer to my account. I did and still could not transfer my funds and BMO again requested that I open a checking account and order checks, which I did because I needed these funds right away. I opened the checking account and they said I had to fill out paper work that takes a week to be prosseced in order to withdraw funds. I DID NOT HAVE ACCESS TO MY MONEY FOR 2 MONTHS AFTER CLOSING THE CD ACCOUNT. After all these hazzle I decided to close all my accounts when the CD matured and at the day of closing my other CD accounts the amount of the interest earned was reduced with no reason at all, no mail, no email, not a single notification of why they will charge me for anything else. DO NOT OPEN ANY ACCOUNT WITH THIS BANK. Customer service sucks since they don't know what they are doing. Once you place your money here, you will have a hard time to withdraw and they will give you less of the amount of your balance. THIS BANK HAS NO HONESTY AND IT IS NOT TRANSPERENT.
On Friday, February 16 of 2024, I took a check that my employer wrote to me to the bank from which it is drawn and asked them to cash it. They refused, stating they didn’t have enough money on hand to cash the check. They told me they would have to have a special order to get the money delivered to them and they would not be able to place the order until Tuesday so they would have it Wednesday. I asked them to give me a call to confirm that it was in and ready for pick up before I drove all the way out there to collect my money and cash my check. They agreed. I went out there today because they never called me. They said they tried to call me, but that they could not get the call to go through. My phone never even rang today. It worked just fine though. I checked it. So there I am at the branch trying to cash the check and I see the same teller that I did on Friday and he’s telling me he cannot cash the check even though they had placed the money order and the money is there they cannot cash it because it exceeds the amount for which they have a policy and how much money can be cashed when it is a check. These people are interfering with a legal contract between myself and my employer for services rendered and are refusing to hold up the obligation of cashing, a check written from an account at their bank written to me. I am told to speak to another banker there at the branch. So I speak to the next banker, and she explains that it is policy that they cannot cash the check for this amount. She then takes the check away from me and goes off to speak with the manager and she’s back there for 45 minutes talking to the manager while I’m waiting in the lobby. The manager eventually comes out from behind the closed door to tell me that she cannot cash the check because it is a policy of the bank to not cash checks for large amounts. She then says she would be happy to deposit the amount into a new account in my name, and then I can slowly draw the money out, but that I cannot cash it because I’m not a customer and even if I were it exceeds the amount that they are by policy able to cash. This is bogus. This is the legal contract between my employer and myself, and the only part that they have to play in the legal contract is to convey the money from that account to me. They refused. The manager then tried to apologize to me and I told her that the apologies won’t work because it’s not gonna fix anything. This is horrendous that banks don’t carry money to cash checks anymore. It is awful that the bank has policies about letting money leave through the front door. They’re more than willing to take the money away from you, but they won’t give it back. Remember, this was on a Friday originally when I went to cash the check. Friday is the day when all the big deposits go in because businesses are closing for the weekend and they’re putting all the deposits in so they should have money. I told them hey, you don’t have the money on hand just give me a cashiers check or money order or even travelers checks and I’ll take care of it that way and they said they could not do that because I was not a customer. I am a guest. I am a guest with a legal contract That says that they are to pay me for the amount written on the check. They even called my employer a couple of times not just to verify the funds, but explain to him why they were refusing to honor the check. My employer then calls me and tells me that of all the branches that I went to, this particular branch is a bad branch because they are stereotyping me, and that they have a high crime rate in that area and I should not have gone to that branch. Why am I the bad guy for trying to cash a check from his account. Every branch should have the same upstanding behavior of treating me with dignity and respect and fulfilling the legal contractual obligation that they have to handle the money on behalf of my employer, and to fulfill the obligation of the contract by paying out that money.
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BMO does not deserve the one star that is required!
I was originally a customer of Bank Of West, but unfortunately the company was sold to BMO. Customer service is nothing but a joke. We called with a problem and we were told by three rude representatives that we could not do what we were needing to do. We asked to speak to a manager, but was given the run around and told to leave a message. Over a week later we received a letter in the mail that contradicted everything that the "customer representatives" had told us. It turns out that we could do what we were needing to do! The same day my husband was able to get a manager on the phone. He asked the same question to the manager, and was told that they could not help with our problem, but after reading the piece of mail that confirmed that we could fix our problem and after the manager finding the letter and seeing what it said, they were more than glad to change their "rules". The manager was overall the nicest person we talked to but that was after the letter had proved everyone wrong. I would not recommend banking or taking a loan out with this business.
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The representatives are not trained well. I called several times in the last month hoping to get someone who could help me with my issue and every time I get transferred at least five times to another department and they still have not resolve my issue.
Watch your accounts and transactions closely everyday with this bank!!!! I was a bank of the west customer for 27 years and NEVER HAVE I MET SUCH INCOMPETENT PEOPLE IN THE BANKING BUSINESS IN MY LIFE...here's my story I sent a payment for my car online on Aug 31 due to the labor day holiday which they took down arms and all mobile banking like 5 to 7 days to make final switch over to BMO...so my payment technically wasn't processed until set 5th I knew I was short so on the 5th deposited a 150 check from another BMO account and they bounced my payment ok so all well and good but not really at all how can money that is with same bank take 3 days to process??? It only gets better your mouth will drop just keep reading so ok my payment bounced so I hold off and beginning part of October I have an unauthorized payment come out of my account going to my car loan institute which I don't and never have had reoccurring set up payments through BMO or with my car loan institute.....I check my account every single morning so I figured ok so BMO took out and paid my September payment without my authorization but it was paid so didn't think anymore on the matter now here it is now November 2 and there is another withdraw same amount no authorization and now IM PISSED!!!! I SPENT 4 DAYS WITH 20 DIFFERENT PEOPLE MANY HOURS trying to get to the bottom of this every representative could see the issue put me on hold forever while stating talking to a banking specialist that many many disconnect language barrier or couldn't provide direction for a dispute to be placed.....a couple weeks later I finally had time to calm down and tackle this again ok so one of my calls while on hold waiting while they are talking to a specialist said they sent me an email on this issue on October 20th keep in mind this is now a month and a half after the bounced Sept 5th payment for insufficient funds so while on phone looked thru email and they couldn't even get date right it was sent and found by me on Oct 23rd...NOW LISTEN TO THIS!!!! Email read your payment bounced on Sept 5th so we will take it out on November 2nd ARE YOU KIDDING ME!!!!!! WHO HAS THE RIGHT TO EVEN THINK THEY CAN DO THIS!!!! AND PAY MY CREDITOR 3 MONTHS LATER I WAS FUMING...So once again I didn't get anywhere and placed another call days later I FINALLY got someone on a call that TRIED to help me as Remeber I've spent days and many hours up to this time with every person seeing this mistake finally again I was told ove4 and over money went to my creditor which it DIDNT I was in constant contact for 3 months they received the unauthorized payment in October but never received payment that I was told repeatedly went to them on November 2....and told if I want money back I needed to call them OMG IT GETS CRAZIER now if it was true it went to them I wouldn't be upset BUT THAT MONEY NEVER WENT THERE OR TO THEM SO WHERE DID IT GO???? THE explanation on my statement on November 2 was prenote adjustment from 9/5....ok so my final and last call with the one and ONLY helpful person through all of this said she sees the issues and that my next step they needed me to do is get a document from my loan institution showing my payment history and advising on their letterhead that no payment was received on November 2 came out of my account who the hell has it???? So now many more hours of my time wasted called my loan place as they for 3 months knew everything about this and said they would even join a call if needed this is coming from the branch manager going the extra mile to help like a good bank does and should...so get the document told needed and once received take it to my BMO branch and this should be taken care of rathe4 quickly WHAT ANOTHER CLUSTER YOU KNOW WHAT dropped off what was told needed they put on branch manager desk and since out of office to call him following week so I did THIS GUY WAS CLUELESS TALKED OVER ME WHEN TRYING TO EXPLAIN ONCE AGAIN WHAT TRANSPIRED he finally kind of yelled over me and said I'm just the branch manager and this is something I can't and don't even know how to do....LOL I WAS TOLD DOING THAT THINGS WOULD BE RESOLVED FASTER SO BACK AT SQAURE 1 AGAIN....was told he would look into and get back and did 2 days later stating no clue where to go but engaged office manager and provided me with a trace number told me to take it to my other institution and see if they can find it from that number he gave me after once again stating neither of them direct words know what they are even doing....called that branch manager he once again said they never received that payment and laughed a bit saying can't look into a trace number when a payment was never sent to them....ok called bmo manager back he for first time was nice said he will try and figure out how to do a dispute and will d9 all he can to get back in my account now through all of this BS all my calls on this never 1 piece of physical mail sent to me now I have 5 now 6 etc peices of mail about this dispute with wording that made me feel like the criminal here.....told ten days or so to reflect to make right and few days ago many more mailings saying denied case closed with marked LISTEN TO THIS AND WHAT WAS MARKED DENIED DUE TO I AUTHORIZED SEPTEMBER 5th Payment.....I WILL CONTINUE TO SPEND HOUR TIL I WAKE A CEO CFO UP AT 2AM UNTIL THIS IS ADDRESSED AND WORKED TO MAKE RIGHT......QUESTION I WANT TO KNOW WHERE THAT MONEY WENT AND NOT ONE PERSON FROM BMO CAN TELL ME THAT NO NAME ADDRESS OF MY FINANCIAL INSTITUTION JUS5 SOMETHING 3 MONTHS DOWN THE ROAD PRENOTE ADJUSTMENT FOR 9/5....I WILL CONTINUE TO POST REVIEWS TO WARN OTHERS ABD UNTIL THIS IS SETTLED BY SOMEONE THAT KNOWS WTF THEIR DOING.....WATCH YOUR ACCOUNTS CLOSE PEOPLE!!!!!!
I hate that my bank, Bank of The West was sold to BMO . I always got free printed checks from Bank Of The West. I only needed 2 a month. And they didn't charge for me depositing cash into my business account.
I hate BMO. They suck. I'm looking into other banks. I was Soo happy with Bank Of The West.
Also Bank Of The West has excellent customer service..
Now..
I call and I love everyone..
But there's a language barrier which I don't appreciate it.
Worst, worst, very worst Banking Institution I have ever dealt with. Paid off my loan before the next payment was due and they are still trying to take a payment from my account. On the phone for over 2 hours and cannot get it resolved. Now waiting for a call back that could take up to 6 hours. Girl I spoke to would not answer simple questions like who is going to call me back, are they in your office, can you walk over and talk to them. Would not answer those simple questions. That sure tells me they are hiding something.
they are literally the worst communicators in the world. I got tons of overdraft fees that were never resolved. They took extra fees out of my account. BE VERY WARY, I SUGGEST U DO NOT USE!!!
This is by far the worst bank ever. I’m reading the reviews. I’m a regular citezen. I don’t have a ton of money. They basically let me starve to death for three days to the the point where they would not let anyone send me money. I couldn’t get my own money and the lady laughed and hung up on me like an evil witch. Don’t bank here. Don’t let your loved ones come near the building.
Closed my account in person in November. Waited way too long in the lobby. After closing the account, I asked about an auto transfer coming in from my CU. I was assured it would 'take care of itself as the account i closed'. Well, 3 months later (and one refund check) I am still getting notices. After finding a different Customer Service number (the one in the email won't work because I AM NOT A CUSTOMER), someone with not great English concluded he couldn't help me, and I would have to GO INTO A BRANCH FOR A BANK I NO LONGER HAVE AN ACCOUNT WITH TO GET THEM TO STOP THE EMAILS. Horrible service.
I don't know how they are keeping their lights on.
First, Online Banking Support is outsourced and difficult to understand due to strong accent.
I understand that security has to be in place. But if your ability to make Zelle transactions after verifying your personal details and your banker tells you that the dedicated team will get back to you within three business days, it's just unacceptable.
I want top pay my rent in time! I wonder if BMO management is aware of the incompetence happening there - or do they just not care?
We banked with Bank of the West for nearly 35 years until BMO acquired Bank of the West in October 2023. Since then BMO has charged fees on each of our accounts without notification, consent or actually doing anything for the collected fee. I.e., one fee was for statements that were never mailed. When you ask to speak with an officer, no one is available. Online chat is 100% bot. If you ask for a live agent or a human, BMO chat disconnects the online chat. Too bad the Bank of the West is no more. They were a first class banking institution. BMO is not.
Signed up for a checking account with a bank bonus if I had direct deposits of $7500 in 120 days. Fulfilled the requirements and then they never paid so I asked and they say there wasn't a code linked to my application but I gave them the valid code and then they tried to say my direct deposits were not valid ones. What??? And of course their website won't show you the actual details of your deposit and how it is coded - just the amount and label. Very basic.
BMO is by far the worst bank I have ever dealt with in my 26 year career. Their customer support is non-existent. Their APP is useless. Getting anything done takes all day. Their fraud protection is a joke. You're supposed to be able to add ACH auto pays to your profile and it only works half the time. You cannot approve Positive Pay exceptions from the app, and if you are out of town and try to log in they lock your account and you have to deal with the phone tree. Getting credit cards set up is a joke. If you want to bank with these folks, plan on it being a huge headache with extremely delayed response times, if at all. I emailed our corporate bankers on November 27, and never got a response. This is to be expected, and I wasn't surprised. However, doesn't make running a business very easy. Expect to hit multiple road blocks, with literally everything.
This company is the most incapable lender I have ever had and I’m stuck with them. I’ve had my vehicle 2 years and they have NEVER been able to successfully set up auto withdrawal for my payment. I have to call monthly to pay over the phone. I’ve spoken to over 10 people that claim they have successfully registered my acct or set up automatic withdrawals and they will come out for a month and then stop. I won’t know my acct wasn’t paid until I receive a letter in the mail from them with late fees stating the acct was not found. So let me get this straight, the same bank acct I’ve been using for 2 years can’t be found when you just took the money out of it the month prior!? It’s infuriating that I have to call this company every single month and waste brain cells trying to get them to understand the situation and then they all “fix” the problem but never document the calls so never month when low and behind the problem wasn’t fixed and u have to call again they have no clue again what I’m talking about. If I could give them negative stars I would
BOM over charge my loan account with over $700 in interest. Tried calling customer service and they are clueless, will not allow me to speak with a supervisor and keep transfering me to departments like collection or just put on hold and then hang up. I have trying to get some to look at my account for 3 weeks. They took over my account from Bank of the West.
Apparently this is one of the easiest banks to open fraudulent accounts with. Furthermore, BMO has one of the most lax fraud departments. Not only do they not close the fraudulent accounts, even after a police report and other banks reporting the illegal activities, they try to charge you over draft fees for on the account that was reported. This company should be ashamed of themselves. No wonder they have already been fined for their involvement in a Ponzi scheme, and have had numerous articles written about them and their fraudulent e-tranfers. Do not go near this bank, and watch for their accounts trying to siphon your funds.
As a bookkeeper with dozens of clients I have worked with every major bank and many regional banks and credit unions. BMO is hands down the worst financial institution I have ever dealt with in literally every single category. From important things like response times, employee competency, user interface and availability of documents, to the simply annoying like grating hold music and the layout of statements. It's as if they reviewed how good banks operate and made the conscious decision to do the exact opposite. I've never seen an organization that gets absolutely nothing right. The only reason my client continues to bank with them after they took over the regional bank where we had been for decades is that we have a large LOC with them that we likely wouldn't be able to replicate with a new institution. If that ever goes away we'll be gone in a shot. Do not under any circumstances open new accounts with them and if your current bank gets gobbled up, immediately move your accounts to a new bank as the transition to BMO will be miserable.
Had my acct with bank of the west for several years. Then they switch to BMO. They closed my acct due to me using venmo and cashapp. Never had this issue before. My money who are they to tell me I can't send money to my kids.
Worse experience I ever had with a car loan. The loan was paid off but because I didn’t trust them not to debit my account I called them. Even after I called them They debited money even though I had a loan paid in full ( They sent me a check because I over paid. I was right even with call they debited money. I verified it was paid from my bank and called them. Despite the fact that I had proof they denied debited the money. I had to file fraud claims with my bank who will know try and get my money back
Closed a 1 year CD and was not given correct amount based on the APY advertised. Customer service is terrible, spent hours on phone with them. Put on hold numerous times, sent from one person to another, issue still not resolved, avoid banking with them.
Yes, they currently have a hot 5 yr CD rate of 4.90 APY but setting up an account is horrible if you want a joint account. Reason why they stink!
1-My spouse keeps getting her application denied with no reason given. I entered the information again and again using Safari and Chrome and still had the same result!!!
2-Next the bank DOES NOT accept wire transfers
3- Next, if you want to add a beneficiary, you can ONLY do that by calling despite what the site says. 4-Calling is a nightmare. I was caller # 88 but they did call me back....at 3 A.M., Yes 3 A.M!!! who does that? I thought a family member had an accident or worse.
I obtained a car loan from this bank, and my experience has been terrible so far. Initially, I was able to make express loan payments online, but after a few months, I could no longer do so. Every time I attempted to make a payment, it indicated that my account wasn't recognized. Consequently, I've resorted to calling to make payments, but the process is inconsistent. Even when I provide my correct information, they somehow manage to enter it incorrectly. On three occasions, my payments did not go through, and I remained unaware until I called to confirm. I don't receive notifications when the payments are rejected. Every time I call to ask why a payment failed, which occurred in three separate months, they blame me, insisting I provided the wrong information, which I did not. This could potentially damage my credit score since they seem incapable of performing their tasks correctly. They even compare the details of the failed payment against the new payment I'm attempting to make, which is the same, and still claim the error is mine. I'm completely frustrated with their service. I can't even establish automatic payments because the last time I attempted, they booted it, resulting in failed payments. Both their system and customer service are inadequate. I'm uncertain whether the issue is with the representatives' ability to use the system or if it's the bank's system that is flawed. In any case, once I've paid off my loan, I will never use their services again.
BMO is the worst bank. I tried to withdraw money from my account at a atm teller my transaction kept being denied I called the following day my account was on hold for suspicious activity after confirming the transaction that yes indeed it was me BMO approved the withdrawals claiming I received the funds, after many emails and calls back BMO decided to flag and close my account without any reason my checks have cleared I have no access to the account nor my funds I have spoken to BMO many times they emailed me a transaction repost with many customers card numbers and balances making it impossible for me to figure out what transactions are mine. BMO customers don’t deserve to be treated like this
No reason given at all. Customer support said nothing was wrong with the check which they accepted as a deposit and placed a three day hold on it. Third day they made the funds available then mid day put it back on hold for 9 more days. Left me with a negative account, overdraft fees, zero f*cks given and to add insult to injury the customer support rep kept responding to every single thing I said with “ It will be released next Wednesday.” Literally 15-20 times no matter what I said to him. Then I called back they transferred me to another customer that was on hold. NIGHTMARE OF A BANK! They should be arrested this is criminal.
I called the day of my CD maturity to have a cashiers check for the total amount sent to me. Instead they redeposited it into a CD. Now I am having trouble accessing my money. Very likely if they do not send the money today, I will be suing them. I specifically without any confusion asked to have a check sent, not redeposit. BEWARE.
My old bank(Bank of West) was unfortunately purchased by them and they are COMPLETELY impossible to deal with.
they charged me 38 dollars for not renewing cd..i was told call on maturity date , now they say no you have to call in grace period...too late.. there is no training its a jolk stay away no matter how high the interest THE WORST BANK I HAVE EVER HAD
...the cauldrons of Hell. Bank of the West was acquired by BMO in 2023. BofW had relatively bad customer service. However, BMO has dropped this level of service many levels of Hell further. I will either radically reduce my use of BMO or close my account. I imagine that BMO management is complicit with this level of disregard for treating customers with respect.
Terrible. An embarrassment of an operation. Just simply ridiculous in every aspect.
RB
Restricted my Zelle so I can't use it with any other bank and keeps bouncing me back to Zelle. DO NOt BANK WITH BMO
Opened up in NYC and they locked my account telling me to go down to Branch to unlock there is no branch nearby , I would never use them
My husband added me to his account when he opened it! I also was supposed to get a debit card in the mail at the same time my husband got his. Until this day, I never received a debit card at all. So today I had to withdrawal from his checking as my husband wanted me to. The teller looked over my I.D matched it and said that I cannot withdrawal from his checking because I’m NOT the signer! Then what is the use of me being on the account?!! ???????
Don't use this bank. I had no problems with Bank of the West, but once BMO took over it has been a disaster. BMO's customer service line is useless. You spend hours on hold and then it either hangs up or someone tells you there is nothing they can do. I have a business line of credit and it took me 8 hours on the phone plus in the branch to access it and even then it was some sort of work around the banker figured out and not a normal way of doing it. During the transfer from Bank of the West to BMO, my Zelle account got suspended and so I spent another 3 hours at the branch trying to figure out how to fix it and eventually they said there was nothing they could do. Now, I did a $3k transfer from my BMO business account to my Chase personal account on Friday. It is supposed to be a next day delivery. Usually, the money is taken out of the BMO account immediately. This did not happen on Friday which raised some concerns. Nothing showed up on Monday either. So I initiated another transfer. Then, the transfer from Friday showed up, so my account was overdrawn because both the Friday and the Monday transfer were taken out. Today neither transfer is in my Chase account. I have spent over an hour today on the phone trying to figure out where this $6k has gone. The end result was that they don't know, and I can just wait or they can try to cancel the transfer on their end which would take 3-5 business days. I have no faith this will get done anyway, because every time I call the branch I am put on hold, told someone will call me back, or told there is no answer. In summary, BMO has taken $6k out of my account, it has disappeared, and no one knows where it has gone. They appologized that this was not the answer I was looking for.
they started by changing my account overdraft protection and lied about doing so. I had to go to the bank and demand speaking to someone in charge I was told a bunch of crap the guy had me go on the app and make changes which did not help. Now as of the other day I find out they changed my routing number once again without notifying me or my permission, when I asked for my Bank of the West routing number they lady asked my why I wanted it ? Can they do this I haven’t signed anything saying I bank with them nor do I have an atm debit card from them so now I have a bank of the west account with a BMO routing number
Great employees, terrible policies. Created an account on Monday, deposited a financial aid check on Tuesday, was told it would clear on Wednesday. Went to get cash on Wednesday and was told there was a hold until NEXT WEDNESDAY. The check was coming from an accredited online school. This financial aid payment is extra money for me to live on. Meaning THIS IS MY ONLY INCOME. And y’all won’t even let me withdraw a partial amount. PLUS, I was NOT told when I deposited the check that anything like this could happen. What a terrible experience. Already thinking about switching banks when my money becomes available. DO BETTER BMO
I have spent over three weeks trying to get BMO to tell me where they sent nearly $10,000 of my money out of my savings account. Thus far after numerous phone calls, literally tens of hours on hold, and talking with three "Resolution Team" members, I have no resolution. They have no idea where my money went.
Zero stars. Can we do negative stars?
Ever since my local bank of the west transitioned to BMO i’ve been eating to switch banks ever since. I had gotten a “non-bmo atm fee” where i was charged MONTHS after i had used an atm, resulting in my account going negative. Everytime i attempt to mobile deposit a cheque, it takes MINIMUM of 4 business days to get into my account it’s actually outrageous. I have car payments and rent to pay how is it that I can see it in my account but I can’t have access to my own money?? Fix your shit BMO nobody like you.
Hands-down the worst banking experience of my life. Our small bank was bought out by this ridiculous institution. The only thing they seem to be good at is making it extremely difficult for you to use their products. Customer service representatives barely speak English at best, hold times are usually 45 minutes, and you will likely be disconnected. You will receive one answer, call them back and receive a different answer. Joint accounts seem to be mind melting for them, and every single thing we try to do our account gets frozen. They have a very strict no cryptocurrency products of any kind policy, which includes your debit card for some reason (like what dinosaur came up with this policy). Transferring in and out via wire or ZellE regularly fails for no reason given.
We have already opened multiple accounts with other banks and are leaving ASAP. The worst bank I have ever had the misfortune of using.
Former BOW customer. I have access to 2 of my accounts, still pending 3rd account. One is lost in error of migration. I am able to obtain print outs from bank but shouldn't take 12+ days to gain access to an account online. Customer service and branches were not trained for this mishap..
I opened my new BMO relationship checking account exactly 8 days ago. The online application went smooth and at the end of the application I funded my account and received the account number and routing number along with a success email. I then enrolled in online banking and was able to log in and view my new account.
All good right? Wrong. The next day I login and my new account is no longer showing. Called BMO bank to inquire what's going on and they have no clue. Just excuses about new accounts taking time to process or IT issues.
There is now no trace of my new account nor the initial funding or direct deposit that I already set up. I even asked if the account number I provided was in their system. They couldn't even confirm that even though they're the ones who sent it to me. BMO bank is holding my money hostage, and I can't even access my account. It's been a full 8 business days and I still can't find where my newly opened account is.
I am seriously thinking about contacting BBB and/or filing a class action lawsuit if I don't get access to my account this week. Stay away from this bank. My experience with them has been horrible. The $2000 I put in my new BMO checking account is nowhere to be found. Extremely frustrating.
I called their customer service # to switch my Bank of the West account that would now be getting charged a fee to a BMO account. After going through the automated prompts, I was on hold for a representative for 20 minutes. I told the representative which account to switch to. I wanted to switch to the relationship checking to earn interst but he wanted to switch me to a smart advantage checking when I have the funds to meet the relationship checking requirements. When I asked why he started to explain then the phone when on mute and I couldn't hear him anymore. The call ended up dropping after 37 minutes. Waste of time! I will be changing accounts to another bank.
After BMO hijacked my old bank they stole all of my accounts. They then froze my credit card for literally every purchase I have made. Fair enough. To unfreeze the card I have to go through hours of awful customer service phone trees. Basically, if I ever want to use my business credit card I now have to wait on hold for at least 15 minutes to get in unfrozen. I spent two hours today trying to find a long-term solution to this issue to no avail. Every other bank on the planet contacts you if they think there is an incorrect purchase. You can then say "no" and proceed. BMO is uniquely incapable of doing this.
BMO is treating its "valued customers" as unpaid employees to facilitate their mediocre corporate merger. BMO is an absolute disgrace and should be shut down.
My Bank Of The West sold out to BMO and I have not been able to login to my account sence . I spent about an hour and a half with the bank manager to day and he couldn't open my account ether. The only way I can access my ccount now is to take a 48 mile round trip drive and stand in front of a teller just to know my balance or any other activity on my account. Moving everything to Chase .
From getting locked out of my account and stranded numerous times due to "daily updates" and unable to check my balance or use my debit card with MY MONEY at all, to getting shut out of my account IN THE MIDDLE of my vacation followed by a completely headache-inducing 30 minute verification process with ridiculous questions such as which STREETS are nearest to my house and which DIRECTION they are in, to now being locked out of my account for 4 DAYS due to "migrating Bank of the West customers". How about focusing on your OWN customers first to make sure that their needs are taken care of? Those Bank of the West customers should be migrating as far away from this bank as possible. Since online banking is closed for 4 days, you will get directed to a phone line which is ALSO closed during its regular business hours, and won't be able to check your balance at the bank either since it is closed for the weekend. This is the worst customer service I've ever experienced with a bank and BMO has failed me time and time again. I am now migrating MY MONEY to a bank I can actually use as there is no reason for me to allow this kind of treatment as a customer and no incentive to stay with BMO.
I recently had a car loan with BMO Harris, and my overall experience with them was extremely disappointing. The main issues were twofold - their customer service, which lacked empathy, and the significant communication barriers due to employees who barely spoke English.
One particular incident stands out, where I missed a payment due to a family illness that required my immediate attention and financial resources. Instead of showing any understanding towards my situation, I received a threatening letter about the possibility of vehicle repossession after just one short missed payment. It felt like they were more interested in profits than caring for their customers during difficult times.
To make matters worse, when I attempted to communicate with their customer service representatives about the payment issue, I found it incredibly challenging due to the language barrier. This made resolving the problem even more frustrating and time-consuming. The fact that many of their employees struggled to communicate effectively in English made me question the company's commitment to providing quality customer service.
The combination of poor customer service and communication issues added to the overall dissatisfaction with their services. It felt like my concerns were not being heard or acknowledged, and their inflexible policies further exacerbated the situation. Clear communication is vital in financial matters, especially when dealing with sensitive issues like missed payments and loan arrangements.
In addition to these issues, I found their loan terms to be less favorable compared to other options available in the market. The interest rates were higher than expected, and there were hidden fees that were not adequately explained during the initial agreement.
In conclusion, I cannot recommend BMO Harris for car loans based on my personal experience. Their lack of empathy, inflexible policies, and significant communication barriers make them an unattractive choice for anyone seeking a reliable car loan provider. I will be exploring other financial institutions with more customer-centric practices, a commitment to clear communication, and understanding towards their customers' situations for any future car financing needs.
https://www.bmo.com/en-us/main/personal/checking-accounts/digital-offer/?COID=BMOP-07202I-U9H3N57
They easily let me to open the checking account with the bonus code, quickly send 2 small verification deposits to my external bank, verified these, and immediately took funds from my external account. Right after this, they locked my online access to the account. My email to unlock it was not answered. Today, I wasted 3 hours on phone with their representatives, who failed to unlock the account, and then suggested me to visit their closest to me branch, which is 1000+ miles away!
P.S.
Sadly I did not know before that BMO is effectivery owned by China via the close partnership with the China's biggest bank ICBC, which partnership unlocks the North America financial markets to ICBC and creates grave concerns for privacy and security.
https://www.bmo.com/asia/about_BMO_China.html
https://www.cbc.ca/news/business/bmo-banking-icbc-banks-1.4497944
I also did not know before that BMO Harris is ordered to pay $564M in Ponzi scheme case
https://www.bankingdive.com/news/bmo-harris-564-million-penalty-ponzi-scheme/633945/
It is nice and refreshing, specially nowadays, when a financial institution keeps true to its word. BMO’s management demonstrated that to me just a few minutes ago when a supervisor reversed a fee that was charged to me 5 months ago. Back then, I called to ask about the fee, and I had been told it would be reversed but it wasn’t. At this point I wasn’t concerned much about the fee $, but the principal. If you are looking for a financial institution that is willing to be honest and true to its word, BMO is the answer.
Also, I have been blessed to have been helped by nice, understanding, and Knowledgeble people every time I have a concern. It seems to be their nature to be kind and honest.
I paid off the auto loan after the loan account open in late March, but never receive the pink slip. Called today, and was told I need to go to DMV to claim the title. I told the rep I didn't receive any release of lien, and BMO suppose to send DMV the release of title. After holding for 20 mins, the rep probably asked or browsed the training material, and told me she filed the release of lien today to DMV, and should be processed in two days. I can't believe customer services are so horrible on banking system. If I haven't called today, who knows anyone will process the title change.
I put my money in Missouri State Bank which folded and the money got moved around until it ended up with BMO Harris Bank. Every so many years, they would threaten to hand my money over to Uncle Sam because there was no movement and the last time this happened, there was barely any time to address the issue.
I finally got tired of this so I asked them to close my account and send me a check.
I never got the check.
I then called them but would not even give me any information without a notary getting involved. Then, they didn't like the way Spanish notaries did things, etc. I sent them jpgs of the document from the notary but it seems the bank manager was looking at the ink that seeped through and NOT at the page where all the stamps were, etc.
In the end they said they would accept it and would contact me with an email...which NEVER ARRIVED.
I sent them a written letter snail mail more than 2 months ago asking about this as calling them and spending another 200 euros was clearly a stupid thing to do.
I never heard from them.
I guess once you give them your money, you'll never see it again.
Stay away from this bank.
I recently attempted to redeem a CD which had matured. After going through some Identity verification questions which seemed a bit ridiculous (amount of last interest payment, amount of initial deposit, last interest rate, etc) I was told a check would be mailed to me. One week later I called to confirm the check was sent. It took 45 minutes, 2 phone calls and about 10 identification questions before they would tell me it was mailed. I am still waiting for funds on a CD that matured 10 days ago. There are better options available.
I have tried to get my funds twice now since I do not reside in AZ anymore and nothing. Online banking stopped working all of the sudden cant log from my "trusted devices" or any device. It is not a password issue as I have my pasword saved and was able to log before, I have the same email and phone number and wont even let me authenticate using that.
I am traveling to see family in Az tomorrow and have to waste time again stopping at their useless branch , last time they couldn't resolve anything after spending hours at the branch couldn't even activate a new debit card for me because "the system was down" . The debit card I received in the mail is not even expired and they deactivated it because of "12 months of inactivity" which is a lie . STAY AWAY
Definitely one of the worst banks around, probably a scam (they are coming up with all kinds of excuses about their systems). Wonder who is actually scoring banks like these (I guess no one). Interesting that they bought Bank of the West. As others said, STAY AWAY.
I deposited funds and I cant withdraw them
The account was closed after I liquidated all the holdings and requested a witrhdrawal and to close the account. Is there a phone number?
I have registered a complaint with the comptroller of currency
I have had nothing but great experiences at BMO Harris…so I find it real hard to understand all these 1 star reviews! I have only done business with the Lake St Louis (O’Fallon)!Missouri Branch. I have a fair amount of money there. The staff there are A plus!…helpful, friendly, competent and I ask a lot of questions ! I have noticed though everywhere I go they are understaffed and it’s been real hard to get good customer help and I shop a lot!
I want to start by saying please take into account all the reviews for this bank and stay FAR FAR away.
I usually avoid writing bad reviews, because most of the time there is a resolution and understanding to the customer.
As a business, let alone a national bank, you should be all in on implementing and developing the customer experience. Right?
This place does the COMPLETE OPPOSITE. It seems like they are focused on how can I make it more difficult on the customer. Starting from online banking all the way down to their processes. Customer service??? HAHA you are better off not even calling.
When you can’t even properly communicate with the customer service agent, something is wrong. They are basically human robots in a third world country. While you are talking they are typing your question into their little chat box to get you an answer that hasn’t been updated in decades.
I have spent too much time dealing with things that should not have even been a problem. For that reason, no matter how many times BMO merges or gets bought out I will be here to let the people know to think twice before joining.
All in all, I am glad to say I successfully escaped the rat trap and wish the best for current customers as this bank will most likely not be around much longer. I will continue to share my experience in hopes to reach as many people as I can.
I do not recommend this bank. They froze my account after I had transfered a big amount of money. Their phone costumer service didn't help. I was told I had to attend a branch in person to have my account restored, and when I mentioned it was impossible because the closest branch was a 6 hours flight, I was told it was my fault for opening an account at a bank with no branches in my state. Their fraud department is a joke, their system is archaic
I have been a BMO client for over 5-6 years. When I tried to renew or cash in my CD today, they would only renew my CD for 1.60% LESS than their currently available rate. They said that this rate is only available to new clients. When I told them that this was unacceptable and I wanted to cash it in, they put me on hold for 75 minutes. A total rip-off. As it turns out, they already renewed it at 2.90% apy for 5 years and I am having to jump through hoops to get my funds. Stay away! There are much better places to bank with better interest rates.
For example, if I initialize a transfer from Bank-A to BMO, BMO put my transfer On-Hold and lock my account, asks me to verify my Identity.
So I called them and my Identity got verified.
I started another transfer from Bank-A to BMO, my transfer got On-Hold AGAIN and BMO asked me to verify my identity AGAIN.
A phone call may take 30 or more minutes.
Signed up for this credit card to take advantage of the $200 bonus after spending 2,000 dollars. Paid 600 dollars on a cable bill, paid that amount to BMO by electronic transfer, and they still won't allow me to make further charges unless I send in a notarized copy of my passport - subjecting myself to a risk of identity theft based on a requirement I was never informed would be a part of the card agreement. Several colleagues have sued BMO in federal court - which allows treble (triple) damages for violations of certain federal consumer protection statutes. With these lawsuits, and others, including a class action out of Texas, we will be bankrupting this company - as a public service.
I'd like to open a savings account then next the CDs account with has great rate 5%, but after read all the BAD reviews here I'm not so sure now.
I wish the BMO bank has some comments for these reviews.
I've been a BMO customer for years. I had a CD account, where my money was locked to the lowest rate for 5 years without my approval. When I saw that they had a high rate promotion, I wanted to transfer my money there, but the no so friendly "banker" said that I had to close the existing account and open a new one, and had to pay a penalty. The penalty was higher than the interest they paid for one year. So if I had to pay penalty, iclosed the account and moved my money to another bank with higher rate. I would never,ever do business with BMO again.
once you are go their website and put in your zip code the rates that will show up is no where close to the 5% on this site
The cds are not callable but the rate is subject to change. They can lower it if the market conditions justify. Are they kidding? will they raise it if it goes the other way and you are lower, I think not
I went to a branch in Florida with the intention of opening a new checking account and taking advantage of their advertised bonus of $200 for meeting certain requirements on the checking account. I brought all my ID, my credit is excellent, I've never had an issue opening a bank account. However, I got some eager beaver type who saw an opportunity to try and cross sell me on something else. I was peppered with questions including what other assets I had, did I own my house, etc. At first I thought this was related to the checking account I wanted to open, but after 45 minutes of getting grilled I said 'this isn't going to work for me' and I took my $10,000 check I was ready to deposit off the desk, picked up my ID and walked out the door.
Next thing I know, I am getting auto emails telling me how to activate online banking. I called the bank and talked to a manager and said I never opened an account, I left before we reached that point after being a captive audience to a bank version of a time share presentation. I was assured by the manager that there was no account. Then I get an ATM card and a statement in the mail. Clearly this banker had opened the account after I left using all the info I had provided when I was there to open an account. I kept getting emails and mail for my 'ghost' account. I reported them to their banking regulating agency since I thought it was pretty fraudulent to open an account after the customer got sick of the sales pitch and left without opening an account. I would have believed perhaps it was just an innocent error if they didn't continue to send bank statements and emails.
Opening a checking account should take about 20 minutes if you have all your ID and info. It is not an opportunity to grill the customer so you can try and sell them an investment service or whatever. I just felt like a cash cow getting milked by an over eager bank representative. I felt my information was not being solicited for the purpose that I was there but to sell me other things. Be very wary when dealing with this bank.
I saw that BMO has a 4% savings account. I called to see if it was available as and IRA. I got someone "offshore" who didn't seem to know what an IRA was. She had to put me on hold with every questions to go get an answer. I finally asked to be connected to someone in states. I was put on hold and no one ever answered.
Head, Retail Markets in Tampa has NO customer service skills and is not good to BMO customers. I will be withdrawing my money at maturity in 2 months and will NEVER bank there again.
Run don't walk away from BMO Harris! Customer service is negligible. Waited for over an hour on phone.
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I tried to sign up for the mobile savings account, my application was turned down repeatedly, and customer service, while very polite, was completely unable to identify the cause. The CS reps clearly did not have access to the root cause, and their short list of suggested remedies did not work. Oh well, I guess they don't want my money badly enough to fix their process problems.
Worst business bank ever. It took a year. A YEAR. for them to get my online business services running for me.
This week I have spent THREE DAYS on the phone with them trying to get their system to let me send a time-sensitive wire. That's 3 days not getting my wire sent. Three days not tending to customers. Three days losing sales. Three days not getting ANY work done that I will now need to do evenings and weekends.
For help, you can expect to have to go through layer after layer of option menus, then invariably you get the wrong department and when they transfer you they end up disconnecting you. I have never been so frustrated with a bank in my life.
I opened an account with this bank because of the $200 incentive. This has not been paid. I went online and I was initially denied so I decided to visit one of their branches. They helped me to open the account but the manager made a mistake and did not open enter the promotion code correctly. The branch manager admitted that they were the ones that made the mistake but to refused to rectify the issue by honoring their own promotion. They said they needed the promotion code. Well I am considering further legal action to make them honor it. Small claims court etc. Also there is a website called classaction.org that I might submit a claim to. I almost forgot to mention this. I emailed BMO Harris about the issue and never got a response from them.
Incompetent staff - never received the checks I ordered in May. When I tried to reorder them in August, the person I talked to FORGOT TO PLACE THE ORDER. Now I have to physically go in and get a Money Order to pay a bill that should've been paid immediately if they had done what they're supposed to do correctly.
Terrible website (have to navigate to a dropdown many to select 'login', and if you hover away, the option goes away), you can see the React tags in the browser tab {{account}} at random times, and overall it's just not a great experience.
1) Crappy website that's got a bad UI
2) Incompetent Staff that can't remember to place a simple check order
3) Not even able to track my first check order
Take your business somewhere else. Closing mmy account today
I called BMO Harris over 3 weeks ago to get a replacement card, but it still hasn't arrived! By the time I receive it, it'll be almost 1 month just to get a replacement card with the same number I had! I've called them EVERY week since my initial call and they said it was sent out but then rejected! I said there's no reason why it should have been since I've had an account with them for years! They pointed the finger at the company making the card, and they kept telling me it's on it's way. HORRIBLE service!
Terrible experience. I withdrew some cash and they gave me two counterfeit hundreds, which were confiscated by my other bank when I tried to deposit them. BMO refused to make it right, so I am out the $200
Bonus only available in Arizona, Florida, Illinois, Indiana, Kansas, Minnesota, Missouri, or Wisconsin. They will let you open an account, but you will not get the bonus. Also, they take a very long time on the phone with you trying to analyze your needs (not to be confused with setting you up to buy further products). Be advised.
7 Day business day hold for bank check, not a personal check. Add more 2 days for the weekend and you have a 9 day hold. What we have here is a racket.
NEVER use this bank. I honestly thought about it and gave them a 1 star on every aspect. Avoid these scum-puddles at all costs. They charge you fees all the time, they're willing to finance with low credit in the hope that you default and then if you're actually pulling it off (like I was) suddenly their website just magically stops working. They will then send you an email saying it's YOUR fault it's not going through, even if you try using multiple different services to do your loan payment on. I will be refinancing my vehicle as soon as possible, because I cannot trust these people with $20k. I couldn't trust these people to hold an egg without cracking it for god's sake. I'm done with it, and none of you should ever get started with it. Any 5 star review has to either be completely misguided or flagrantly fake. There is no way this disgusting institution has ever gotten someone convinced to give them a 5 star review.
SCAM!!! This is the worst bank I have ever used. They have been withholding my money for about six months now for no reason! I think I am not the first who can`t use own money in this bank. Be careful if you decide to use this bank
I had a 401k with a previous employer that was rolled over to an IRA with BMO Harris after I left. Have been trying to get it routed over to where I have the rest of my investments for a few months and it's been an absolute nightmare. Lack of direction, confusing forms and poor customer service overall. I'm a pretty patient person, but after multiple calls and a lot of time wasted it's been super frustrating. Highly recommend taking your investment funds elsewhere and saving yourself the headache.
I opened checking account on-line. Simple/easy process. I had to have dealings with the branch (Channahon, IL) afterward. Terrible customer service from the bankers. Tellers were friendly and helpful. I had an instance of check fraud on my account. They did not find it, I did. I immediately changed my account log in credentials, and called customer service phone number. They do not have a direct fraud line, like another bank I was with. Customer service could not get in touch with the fraud dept. and advised I go to the branch. The banker at the branch could not get a hold of the fraud dept. either. I had to wait a day. Called branch in morning and was told my account would be frozen - ok good. I never did get to speak with anyone from fraud about what happened or give information on the investigation. They kept the account open for my direct deposit to go in. When I went into the branch to close the account, I was just going to open another. I was told i could not open another account with them and that I was a risk. Hmmm....I was the one who reported the potential fraud (turned out to be fraud), went to the branch to alert them and be guided on what to do, filed a police and FTC report. I was the victim and was treated like I was the criminal.
After being at this bank for 28 years they kicked me in the teeth. I am 63 years old and this was the worst customer service I have ever suffered. Run away from these idiots as fast as you can!
My initial dealings with BMO were very positive. However, over the past year, they have introduced onerous, unfair, hurtful policies. For example, I started receiving hundreds of dollars per month in late fees, even though all payments were mailed several days or more before due date. Discussions with their representatives revealed that you must mail your payment 10 days before the due date or else late fees--that they will not remove--are charged. This is other absurd and unfair practices make this a horrible bank to deal with. I would urge anyone to not due any business with this awful bank.
THIS IS A ZERO START REVIEW:
This Bank stole $120 from me of my hard-earned money and that is something I will never ever forget until the day I die.
I've spread the word to scores of people in this country and friends all over the world about this horrible bank. They are a bunch of thieves, that is all I have to say about them.
This bank makes it very easy to fund one of their accounts, by ETF, from another bank you're at. Trouble is, they make it next to impossible to do the reverse! You CANNOT do a simple ETF to your original bank once you decide to close a BMO Harris account. You must do a wire transfer at a cost of $35/transfer! Also, if you close the account in ninety days, or less, you pay a $50 early closure fee!
Along with the above, if you open a CD, and then arrange for an ETF from another bank, to fund it, guess what? You will NOT get a full term interest on the CD, as the clock starts ticking once you open the CD, NOT when they put your funds into it, and they take their time doing so!
The phone menu for this place is terrible, too, as you'll push 5-6 keys, after listening to as many menus, before you get a live rep.
In addition, I was contacted by a rep, "from the back office," who NEVER told me that I could put my mature CD into a new savings account, and then wire it to another bank, minus $100 left in the account to avoid the $50 early closing fee, as above. Instead, he told me that the only way to get my money was to have a check sent VIA UPS! I kid you not. Great. I can't trust UPS to deliver a package to me, I sure as heck would never trust them to get a sizable check to me.
This is a terrible bank that had a one-time very good CD rate offer. Other than that, I would have NEVER opened an account here.
AVOID this bank!