What is the most common complaint against BMO Bank National Association?

The most common issue consumers report about BMO Bank National Association is "Attempts to collect debt not owed". This is based on 169 complaints filed with the CFPB.

Are complaints against BMO Bank National Association increasing or decreasing?

Complaints against BMO Bank National Association are rising. The company received 57 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is BMO Bank National Association's reputation grade?

BMO Bank National Association has a reputation grade of null, PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

In how many states does BMO Bank National Association operate?

BMO Bank National Association has received CFPB complaints from consumers in 31 states, with the most complaints from Illinois (33 complaints).

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

BMO Bank National Association - Debt Collector Complaint Profile

CFPB complaint profile across 31 states, reputation grade null.

Compiled by PlainCollector

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

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)

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 →

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 ASSO… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

94%

91%

Consumer-dispute ratelower is better

16%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Illinois

33
California

24
Arizona

18
Florida

13
Wisconsin

13
Texas

12
Minnesota

7
Missouri

6

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.