BMO Harris BankReviews of bmoharris.com

I promise you'll regret your dealings with this Bank from the very first conversation and it goes downhill from there. I was pretty sure that my experience with them just have been an anomaly then I started checking into the reviews and words can't authenticate repeatedly It was char it's no anomaly that's how they do business. Read the very first review its spot on! They can't identify you no matter what and they will lock you out of your account. While you're locked out if you're like me you'll get two or three additional offers from them in the mail to open another credit card account pre-approved just sign here. Ridiculous! After spending an hour on hold they transfer me to the fraud department there is 2 hours on hold I don't get through so I called back the next day and when they transfer me I asked them hey how about this just tell them to call me when they are able that way I don't have to hold for 2 hours no they can't do that. So I'm waiting 2 hours for a guy to "authenticate" who doesn't even know how to make a phone call? Adding to the ridiculousness while you're on hold waiting you'll hear it repeatedly how they use voice identification technology to verify your identity. So on one of the few times I got through after waiting on hold for them to authenticate me I asked them that why don't you use your voice identification system to authenticate me and they've (this is the fraud department?) never heard of it. Here's another good one after waiting when they finally answer in the fraud department they'll ask you how can I help you? Really??? I thought I was holding for the authenticator? Another time actually a couple times when I've called they told me the only way they could authenticate me is I would have to come into a branch and they can physically examine my ID. The nearest branch is over 3,000 miles away! And here's the real killer-my hotel room got broken into and they stole my credit card so I called to report it and me I have to authenticate myself first but I can't even though I have all the right information so I say okay well that's fine I don't need a new card that can we just stop this card so that someone else doesn't charge it up? Well no they can't do that because we can't authenticate me. But aren't you supposed to report lost or stolen credit card immediately to the fraud department? I think when the guy in the fraud department answers and says how can I help you I really think it's because they don't know what they're there for either. And before you even get to the fraud department you'll go through three other transfers in all three of them will ask you your name address phone number last four of your social security number before they transfer you to the next person that will ask you the same questions. It's no wonder it's ours on hold before you can speak to someone. Save yourself a major headache these guys are just way too paranoid.

I'm a new on-line BMO savings customer. I was locked out several times because "they couldn't identify me." Three customer service reps said I'd have to go to a branch to identify myself. Unfortunately, there isn't a branch in the whole state of Michigan. Since I couldn't access the account that I transferred money into, I set up another account and transferred the money between BMO accounts. The story goes on and on. BMO needs a person to test their user interfaces. They also need to change their security procedures. I'm sure that their very difficult security features have lost them a lot of new customers. Out of the 4 customer service people I talked to, only one knowledgeable and helpful; although she said I'd be getting an email explaining what I had to do....but no email has arrived asof 30 minutes past our phone call.

Tried to open a cd, I was asked for my current bank info to fund cd electronically, which I gave. Then I got a message that there was an error and account could not be set up. Few days later I get an email that account was indeed set up, with a note to "click here to fund", link didn't work. I called bank and was told account was not setup but if I answered a few questions, they would set it up for me. I was then asked the most bizarre questions including "did a third party help me get my driver's license over 30 years ago"? Most bizarre experience I have ever encountered, I'm kind of expecting them to somehow deduct the funds from my bank even though I instructed them to delete my account immediately.

Horrible customer service. The reps are from India, the phone connection is always bad. I had to spend 10 minutes to give out information before they can look up. Spent 5 minutes just for them to understand my name. I had 2 encounters that Indian reps lied to me something they didn’t do. I asked their name, they hung off. What a joke, Stay away.

They have botched pretty much every step of my auto loan. They still haven't sent any paperwork after 90 days. Customer service reps seem to have no idea how their own systems work. Autopay forms must submitted via snail mail and take "3 to 45 business days to process" (not a typo, up to 45 business days), and in that time period they will charge you late fees and report you to collections / credit agencies. Trying to get anything resolved is an endless series of transfers to people who have no idea what is going on, or leaving voicemails that go unanswered. Save yourself time and frustration; work with literally any bank besides BMO Harris.

Horrible customer service. They don't have the right information, don't listen to you and make you run around to serve their needs. After calling many of their customer service reps, issues are still not resolved. Horrible that they won't even listen to their customers.

90 - 120 minutes wait time for customer support by phone...up from 40 minutes 5 years ago...fees keep increasing and service keeps deteriorating...if you want to avoid stress and frustration in your life do yourself a favor and choose another bank. ANY OTHER BANK.

1 STAR IS TOO MUCH AMERICA, On August 25th, 2022 at 4:28 p.m. I called BMO HARRIS since the Branch has NO control and the (800) RUNS the Bank! Explained my reason for calling as asked, when I stated BMO had corrupted my positive $0.00 account in good standing by giving for the fourth time in months. My money to a company that was not supposed to be paid. That actually had approved my REFUND of $63.29 which is on the way. Prior to BMO HARRIS putting me in a NEGATIVE Balance of $63.29 by giving funds to this company. From a card that was CLOSED over a month ago by a supervisor to help me protect my Bank account from future fraud. A card that IS INACTIVE and CUT UP! I had NO worries about any transactions being paid from this card. ONLY incoming pending deposits if any. I wanted to speak to a Supervisor, and the Representative HUNG UP IN MY FACE! I called back of course and waited for a callback when I did speak with the Escalation person. Again No empathy, No accountability from BMO Harris, Only SMUG Excuses Of How, and Why they were able to do this. I asked if my card is closed and cut up why were I not contacted prior, they responded they don't do that. Now with the overdraft of $63.29, I will not get a dime for it all is going to BMO Harris for their NEGLIGENCE of putting me in overdraft, by paying this company with funds I DID NOT HAVE AVAILABLE TO PAY ANYONE! Mind you when my account is empty I CAN NOT EVEN BUY A LOAF OF BREAD. I will not get one dime of money owed and honored by company in paying me. It seems America is HELPLESS at the ILL treatment and NEgligence of Our Banking Institutions THIS CYBER space Of every LAZY company turning all of our data financial info to computers. MISTAKES CARELESSNESS AND PROBLEMS are ONLY Going to become more FREQUENT and WORSE! I will be closing my account as soon as I am in the positive Next week and Moving my future MONEY to PAYPAL! which I should have done a long time ago when BMO HARRIS BANK started being SLOPPY UNRELIABLE and CARELESS With My Money! AMERICA DO NOT ACCEPT BRIBES TO OPEN ACCOUNTS. THEY DO NOT CARE! WILL NOT MAKE ANY effort to correct their mistakes! I am SO SAD, I AM Heartbroken not over $63.29, It IS NOTHING TO MOST BUT ON LIMITED INCOME IT MEANS FOOD AND MINOR THINGS WE DESPERATELY NEED! The fact that a multi-million dollar corporation can just Do This to people who Have NO means to hire an Attorney to fight For Them. That NO ONE CARES Enough To LISTEN TO THE PEOPLE! READ THESE REVIEWS! MANDATE BY LAW THAT BMO HARRIS AND OTHER INSTITUTIONS That are NEGliGENT LIKE THEME Be HELD ACCOUNTABLE FOR their WRONG DOING AND HORRIBLE TREATMENT OF THERE CUSTOMERS That Trusted Them With Their Livelihood! Their Income! There Savings! There Money! IT"S HEARTBREAKING!