BMO Financial Group Reviews 1,171

I don't think it gets any worse than dealing with Customer Service at BMO, especially when you need access to your own money. Today, the representative pronounced his name "Ahman" with his accent, and I misunderstood, thinking it was "Ahmed." He became very upset, accusing me of discrimination - wait - for mispronuncing his name! It's ridiculous that you'd use something like this to prevent me from withdrawing my money. Honestly, it's laughable. You should be shut down.

Called them today because I am unable to access my online banking since yesterday and the guy who answered my call was just too rude. Answered with a deep sigh when I asked him to repeat the question for me amd disconnected the call without asking if I have more concern he could help me with. Never encountred such bad customer service before.

The phone customer service is awful. took 3 calls to get to the department i wanted and then was disconnected and had to start all over with a new rep. I pressed 2 multiple times to get to loans and i still had to be redirected by a person once off hold. They didnt put me through to the department either, they gave me a new number to call which i was then put on hold again and told to press 1 for loans.

Worst customer service ever. I called and explained the situation regarding a death in the family and needing to find old account information to validate a vehicle was paid for and was told “I can’t help you”. I asked if there were certain other documents, information, or other things that were needed to get help and once again got “I can’t help you”. Click. I was hung up on.

Bmo needs to be investigated by the sec, they are short almost every single retail stock you can find, thats super super super conflicting to your shareholders and clients when you understand full and well your own clients are in these retail funds.

I am a former BOTW business customer and inherited this "bank". I have had nothing but trouble with them since the transition. Their interface is complicated-my accounts live in a different place than my credit card and payments are difficult to make. The customer service team is short, rude, and don't understand what you're asking half the time. I have had trouble Every Single Time I've had to do even the simplest of things with them and I cannot wait to disentangle my business from BMO which is the last thing I want to be dealing with as a small business owner. Do better. BMO.

DO NOT PUT YOUR INVESTMENTS WITH BMO!!! THEY ARE THIEVES THEY WILL STEAL YOUR RRSP YOUR TFSA WHATEVER THEY CAN TAKE FROM YOU THEY WILL TAKE!!! THEY WILL CLOSE YOUR ACCOUNT WITHOUT ANY REASON AND NOT GIVE YOU BACK YOUR INVESTMENTS!!! BEWARE OF THIS BANK THEY ARE A SCAM AND THEY WILL STEAL YOUR MONEY AND THERE WILL BE ABSOLUTELY NOTHING THAT YOU CAN DO TO GET IT BACK YOU WILL JUST GET A RUNAROUND AND NO ONE WILL HELP YOU WITH THE PROBLEM!! Scam alert!!!!

called them while starting a vacation to notify them of travel and that i will have big purchases in a different area. They said I had to go into my local bank to do this no reasoning. Then 2 weeks latter I can't access my account and they are again saying I have to go in in person. Can't access my bank no idea why and I work for the next couple days. Absolutely going to sue.

Worse bank ever my account was frauded and the branch on wonderland London watched me cry and told me they couldn't help me had to go to home branch it's in the fraud department now..they wouldn't even give me statements. Told them I couldn't as my car just got towed and now can't pay for repairs . No gas money no nothing.. had no care in the world.. funny thing is this is all there FAULT AS JUST BEFORE THE Fraud happened I was stuck downtown a UBER OF $9.18 WAS DENIED THROW BANK AND 2 DAYS LATER THEY LET A 545.00 SKIP THE DISHES GO THROUGH. NEVER USED THEM BEFORE.. AND THAN THEY LET OVER AND OVER THINGS GO THROUGH. CHEQUES BEING CASHED. NEVER DID THAT BEFORE ON THIS ACCOUNT IVE HAD SINCE I WAS 13 NOW 45. 5 NOTES WERE LEFT ON MY FILE WHICH HAVE BEEN IN TWICE AND NO BUDDY SAID ANYTHING. CLAIMED COULDNT REACH ME BUT EVERYTIME THE ASK FOR NUMBER AND SENT PIN. BUT MY FAULT THEY DIDNT PUT IN COMPUTER.. BEST PART 6 WEEKS LATER I GET TO HOME BRANCH. AND THEY KNEW NOTHING.. THEY SAID I DIDN'T NEED TO COME THERE ETC. WASNT EVEN REPORTED. MeANWHILE I CANT PAY RENT. SITTING IN THE DARK. NO CAR CANT TAKE MY SPECIAL NEEDS DAUGHTER TO GROUPS NOTHING. HAVING A BREAKDOWN WHEN NOW 3 ALMOST 4 STILL NOTHING.
IT WAS OVER 18 000.00. . THEY HAD NO TIME TO LOOK AT ANYTHING . TREATED ME LIKE I DID SOMETHING WRONG.. ABSOLUTELY NOTHING BUT TRUST IN THEM. THEY HAVE NO CARE IN THE WORLD . POLICE WERE THE ONLY ONES WHO CALLED AND WANTED TO HELP. TOLD ME TO GET ON THEM TO GET MY MONEY BUT HOW DO I CALL A PLACE WHO MADE ME FEEL SO LOW AND USELESS TO ASK QUESTIONS.. THERE CRUEL AND WATCH A GIRL WAlk out confused and in teARS WITH NOTHING BUT LIES. SO IF U WANT UR MONEY SAFE OR HONEST PPL DO NOT PICK BMO.I WILL NEVER FORGIVE THEM AS MY LIFE IS HARD ENOUGH NOW I HAVE NO ENERGY TO FIGHT THIS.. ITS A GOOD THING I KNOW HOW TO PICK MYSELF UP AND GOING TO HIRE A LAWYER. I NEVER WANT ANYONE TO FEEL HOW I HAVE BEEN.. it's now June .. I've been held back because of it never being reported. Thanks again . I'm here sitting in dark no phone aND TRYING TO EXPLAIN THIS TO A SPECIAL NEEDS DAUGHTER.. while u go enjoy. NICE LITE UP DINNER ON ME.

I sent this letter three weeks ago and have not heard back yet!!
"To whom it may concern,
Thank you for your letter dated April 26, 2024. You tried very hard to justify your massive misconduct and unprofessional manner in treating your clients!
After reviewing the information in your letter, I found there is not even one single negative point on that report, except “Lack of recent installment loan information,” which I did not need to get a loan; therefore, that is, of course, a negative point in your strange criteria, it seems you guys are trying to push the people to apply for your loans and be under debts in this economy situation!
The second excuse is “No recent revolving/bankcard balances;” wow, of course, that’s because I was not using my card for a few months. The last but not least is the first excuse, which says, “Length of time accounts have been established.” Those geniuses who reviewed my file must know that based on the length of accounts establishment, I did receive my master card from Bank of the West with a $7000.00 balance!
Now I must apologize to you guys, as a group of professionals active in the money market in the US, for being a self-conscious individual regarding my personal finances. I have achieved an excellent credit history, and I try not to go under loan burden as much as I can. This type of attitude definitely has no room in your company’s criteria!
For your information, my recent credit score with one of the most prestigious financial institutions nationwide is 810 out of 850, which marks an excellent status.
Considering some of the working environments, they do sometimes become dull and turn an even talented employee into a pure pen pusher.
Put it in a nutshell, lowering your client’s credit limit without any advance notification, at least by forwarding a simple text or an email, is unethical, unprofessional, inexperienced, unskillful, and inhuman, and it violates all the rules and regulations of banking systems unless this is a purely modern innovation of the modern banking system in the US!
I do expect from you guys to send me your banking regulations that has my consent in writing, in advance, that if your issued credit card is not used for a few months, you have the right to lower my credit limit or even cancelling my account and ruining my credit history.
If I do not receive your response, I do share my experience with your banking system innovation with people on the Internet.
I sure thank you very much for being so unprofessional.
Regards"

People we deal with are nice.
Getting the right amount of operating line our company needs however is a struggle. A little unfair and the hoops they made us jump through were not necessary. Especially when we restructured our company and made it 10 times better than it was.

in 2020 they froze my account after a friend transfered me 700$CAD and received tax returns of 3700$CAD also....they claimed the e-transfer was under fraud investigation...

they treat me like a criminal, they froze all the 4400$CAD and kept it

closed my account ! i ended up homeless and it made me go in survival mode i stole a gaz tank i had no more money... got caught now i have a criminal case and still got sequels from all the consequences it did to me...

eversince i always withdraw my money i cant trust a bank...

BMO cost me 2 years of life...
they starved me when i was already starving...

Johnatan made my experience great!
He was kind, patient, and understanding. He slowly led me through the process of changing my password and it relieved all my stress. I was almost in tears of frustration before he helped me (I'm 76) and now I'm smiling. He is an angel. Give him a pay raise please.

Find new bank

Such horrible service! I will be closing my account! The branch and customer service was not able to help. They actually suggested to open two PayPal accounts to transfer money.

I signed up a year ago and paid bills and had 50 000 direct deposited. I have never received any money for the bonus offer for signing up. Do not open an account here based on this expectation.

Tried to pay my property tax bill today and from the very start I knew there was going to be a problem getting it paid. I waited for the condescending teller to tell me they could not find the Government Institution by which I could forward the tax money too. Imagine a bank which has millions of people and companies plus Government companies and Institutions etc that it deals with and this teller couldn't find the one I was to pay my bill to?? I started to tell her that the bill says it can be paid at Any Bank and In Person. She told me they don't have the Payee on file. She showed me a list and went through it and it wasn't very long. I said to her I want this bill paid now and since when does a Bank not accept Property Tax Bills? As far back as I can remember we could always pay our Property Tax Bills with very little effort at any bank. I looked at all the other costumers in line and loudly said,"How do people in Ontario pay THEIR Property tax Bills?" This foolishness went on and on until I of course gave up in frustration from a teller that was obviously not going to HELP me as BMO's slogan goes, "How many we Help you today." She obviously did not know how to look over the Bill to find the Right Government Institution that required the Payment.

This is the worst bank to deal with ever. Since day one my card was not able to purchase anything online and I've went to the branch several times to get it resolved with nothing. I switched banks and they kept charging me monthly fees and seeing that I wasn't depositing any money into that account and then they decided to take me to collections for it. Not even a single phone call to me to resolve the balance. Such a joke bank

Was charged $550 for a taxi ride in Mexico city. The credit card claims department would not even open a case to look at it. I spent three hours on the phone and for a most part received horrible service. I was so offended in this process I have decided to close the following accounts with BMO -

BMO Personal Checking Account
BMO Safety Box.
BMO US SAVINGS
BMO PREPAID MASTER
BMO Credit Card
BMO Line of Credit
BMO Business Account
BMO TSFA

I have been with BMO for over 30 years. The attitude was if you want to close your account that is your choice. I am not closing my account because I want to. I am closing my account because I will not do business with companies that rob from me. Where is the client protection insurance from my credit card. Right, it is a complete joke.

BMO used to be top class in customer service, but someone over there decided to cut one to many corners. I am sure i am not the only one who is being completely disregarded. I am embarrassed for them.

They can give someone else $600 to open a new checking account on one of their promotions. HERE IS THE PUNCH LINE. IT IS VERY EXPENSIVE TO OBTAIN NEW CLEINTS. MAYBE MAKE SOME EFFORT TO KEEP THE ONES YOU HAVE. Just a humble suggestion.

This ship has sailed, but I will be sure to bring it up every time someone says the word bank, and let them know just how horrible the customer service with BMO is.

Just awful. A lady with African accent called me and put the phone down on me. Then called me again saying they need further proof of identification following my online credit card application. I asked her what is the ultimate scope, since I am not comfortable giving my information to the first person who calls me in this time and age and she repeated the same information 3 times shouting at me, saying she has been with the bank 14 years yet not answering my question because she could not understand it. If this is true, then she has terrible skills and she should not bring her home problems at work. BMO, straighten up your customer services. For the time being I will stay away from you because of such people like this woman (based on phone psychology I would say she is late '30s, early '40s, on the big side and around 5'8 from the way she projected her voice). Shame on you BMO for employing people like her to shout their stupidity on the phone: I need no abuse in my life or to start my day, even at 10.39am.