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

Data updated July 2026

Grade

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

BMO Bank National Association carries a reputation grade of null, derived from 169 CFPB complaints, its response behavior, and dispute profile across 31 states.

Grade null
PlainCollector reputation grade (A–F)
169
CFPB complaints, all-time
31
states with filed complaints
57
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about BMO Bank National Association?

BMO Bank National Association has accumulated 169 total CFPB complaints across 31 states, with 57 filed in the most recent 12 months against 112 historical complaints before that window. The trailing-12-month volume represents 33.7% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed". Response-rate data has not been published for BMO Bank National Association.

Complaints have been recorded across 31 states, led by Illinois with 33 and California with 24. BMO Bank National Association carries a grade of null derived from its complaint mix, response behavior, and dispute profile.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

169

mid-volume (CCDB)

Last 12 months

57

33.7% of all-time complaints

Rising ↑

States active

31

multi-region footprint

Reputation grade

-

issue-mix derived

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, drawn from 10 collectors with a comparable complaint count
BMO BANK NATIONAL ASSO… 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.

Complaint Trend (24 months)

2022-04 2022-10

Issue Detail Breakdown

Issue Sub-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

What to do if BMO Bank National Association contacts you

A grade of null signals how BMO Bank National Association's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really BMO Bank National Association and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how BMO Bank National Association ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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).

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

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.