This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade null 169 complaints

BMO Bank National Association - Debt Collector Complaint Profile

CFPB complaint profile across 31 states, reputation grade null.

Complaints by issue type

What consumers report about BMO Bank National Association

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record bmo-bank-national-association BMO Bank National Association

Grade null · 169 CFPB filings · lead issue: Attempts to collect debt not owed

  • VOL 169
  • GRADE
  • 12MO 57
  • STATES 31
  • ISSUE Attempts to collect debt n…
  • RANK #612

Volume peers

Nearest volume peer: Glass Mountain Capital, LLC (169 complaints)

Glass Mountain Capital, LLCGlass Mountain Capital, LLC169LoanCare, LLCLoanCare, LLC169BMO Bank National Association (this)BMO Bank National Associatio…169Carrington Mortgage Services, LLCCarrington Mortgage Services…170MNE Services, IncMNE Services, Inc170
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

BMO Bank National Association's 169 CFPB complaints sit next to Glass Mountain Capital, LLC on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 169 complaints break down

Every complaint issue type on record for BMO Bank National Association, not just the top ones shown above.

Reputation score breakdown

N/A
Composite reputation score
N/A
BMO Bank National Association

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume N/A
169
Not enough data to rank against graded peers.
Timely response N/A
N/A
No timely-response rate reported.
Dispute rate N/A
N/A
No dispute rate reported.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Spiky monthly series

Illinois is the plurality state for BMO Bank National Association (19.5%)

Peak share is this collector's company_monthly maximum divided by its own stored monthly total. Corpus placement method.

Plurality state
Illinois 19.5%
Mid-band (15–30%) · 31 states with ≥1 filing
Spike month
2022-04 25.0%
1 filings that month · spiky (≥15% of series)

How does BMO Bank National Association compare to its peers?

How does BMO BANK NATIONAL ASSOCIATION compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
BMO BANK NATIONAL ASSOCIATION National average
Complaints (last 12 mo)lower is better
57
0
268
Timely-response ratehigher is better
0%
94%
91%
Consumer-dispute ratelower is better
0%
16%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy BMO Bank National Association a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 50%60%70%80%90%100%110% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) BMO Bank National Association vs. 9 similar-volume peers, by response speed and dispute rate Glass Mountain Capital, LLCLoanCare, LLCMNE Services, IncCARRINGTON MORTGAGE SERVICES, LLCCOLLECTECH DIVERSIFIED, INC.Fay Servicing, LLCRenton Collections Inc.United Consumers IncProfessional Medical Management, Inc.
Source: CFPB Consumer Complaint Database

BMO Bank National Association's complaint volume in context

BMO Bank National Association vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

169 Top 11% higher than 89% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). This entry sits in this band. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. BMO Bank National Association 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
2022-04 2022-10

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
62
Took or threatened to take negative or legal action
37
Communication tactics
19
Written notification about debt
17
False statements or representation
15
Cont'd attempts collect debt not owed
8
Disclosure verification of debt
4
Taking/threatening an illegal action
3
Improper contact or sharing of info
2
Threatened to contact someone or share information improperly
1

Where do complaints against BMO Bank National Association come from?

BMO Bank National Association's own per-state count, not a national baseline.

Top states by complaints against BMO Bank National Association

Across 31 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for BMO Bank National Association: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 169.

4 peers

Know your rights before responding to BMO Bank National Association: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.