Bank of Montreal [BMO]
reviews and complaints

Jan 2019 discovered a fee charged in my personal account/pla. Called to question this fee because I was not notified, nor did I consent to it. All day affair with my time being wasted, being given the runaround, passing the buck. Started with Customer Service, went to Branch, then to Branch Manager who passed me off to something called Customer or Consumer Advocacy Centre. Explanation given for the fee that I had not been notified about was because the bank had made changes and upgrades to the accounts and plans it offers and they had decided, in their wisdom, to charge this fee on this plan, where I'd not paid a fee for some time after having been duped into changing over to this particular plan. Not once was anybody actually able to reasonably justify this fee. It was basically that nobody could do anything, or someone would physically have to waive the fee every month (awww, gee, that's too bad that someone would have to work!). The constant refrain heard behind the meaningless, trite verbage that the bank had made this decision was actually that the customer does not count, the bank is not there to help, especially to resolve complaints, the bank is not going to look after its customers. Even the branch manager's words and attitude were really that she didn't want to have to deal with the matter and passed me off to someone else, after trying to get me to believe that they appreciated and wanted to keep my business. HA!

Having been a good customer of BMO for many many years I am actually not surprised that the Bank would choose to look for yet more ways to gouge and grasp every single penny it can possibly squeeze out of its customers to suit its own ends. That's what the Bank is all about, in fact. Suiting its own ends and to he** with its customers. Trying to make customers believe that the Bank is giving them good products and excellent customer service when in fact it is throwing out smoke and mirrors in order to deflect and not bother itself unless it gets what it wants and the customer does not benefit in any way whatsoever.

Trying to make me take another Plan is not acceptable. Insulting me by saying that when a customer is 60 changes to the fees can be made and you can get a Seniors rate. Excuse me? Constantly repeating that the decision was made by the bank and customers were notified, that this applies to all customers and won't be changed, that they can waive the fee for 2 months are all just hot air meaningless excuses designed to benefit the Bank and only the Bank.

I'm not interested. And pretty soon I very likely will not be a customer of this bank at all. It won't matter to them anyhow, they're gouging all their other customers for their own benefit so I'm a big giant zero to them and it won't matter at all.

Good luck Bank. You've really done a stellar job this time. This customer is going to shout out the Bank's real business to disadvantage and gouge its customers to as many places as possible.

I don't like rfids, I don't think they add as much security as banks think, I think it's an added vulnerability for me as a cardholder, and I don't want to be contributing to the already-too much rf pollution in this world. So I didn't plan on using my new rfid credit card at all.

But I got in a bind where I needed cash (a "no cc" bill to pay), and my bmo credit card was my last resort. After several hours activating the card, chasing around to atm's trying to remember my pin and determining whether or not they changed it, I still couldn't get the cash I needed. That's when I found out bmo had instituted a cash-limit that was considerably less than the overall limit, and cash advances I had made nearly a year ago had already exceeded it (I think those advances predated the limit). I could ask to have my overall limit increased, but that would take several days to process (in other words, won't happen until the bill is well past due).

So I can't be responsible and pay my bill, but I can go buy something frivolous? Or am I supposed to hang out at some store and offer to put some stranger's purchase on my credit card if they'll give me some cash to do it?

my horrible experience with bmo statred mid sept 2013. I was at a friends house and my wallet with my bank card were taken. I forgot I had left the pin number with the card and someone kited $100 dollars from my account. I went to the branh at woodbine and danforth to withdraw money and I was rudely informed that my account had an overdraft og $100 due to someone using my card and pin number. I was shocked to find out that my card was even take. this is where the story gets interesting. I was obviously coming down from some partying when I entered the branch. the teller noticing my condition actually had the nerve to call me a thief and said several times that he knows I took the money and admit it, I was stunned to speechlessness and immobility at his rancor and unfounded accusation. he was treating me like a criminal and second class citizen because of my addiction problems. I could not believe what I was hearing. I angrily left the branch and headed to my home branch at church and Alexander where I spoke to the assistant branc manager about my bank card. after I explained my situation about my account the branch manager had the audacity to say "well if you want us to review the tape to see who took money from your account you will have to tell the police you were using illegal substances and you will have a criminal record. again I was stunned at bmo's staff predjudice against people with addiction issues. I called the contact centre for the bank and again very very poor customer service from the start. I was assured that my concern was taken and noted. I was told someone would contact me within 2 business days. Nobody ever did return my call because the agent did not take any notes AT ALL. I submitted another complaint and it took them a while to return my call. I explained my predicament and said all I want is an apology from the bmo csr @ woodbine and danforth and the assistant branch manager @ alexander and church. a week later I receive a thank you card from the woodbine and danforth branch sans apology. the assistant manager situation was not even looked at. I made several more calls until I get another csr agent said the branch manager from woodbine and danforth would contact me. When he di contact me he was rude, belligerent
and very unprofessional. he questioned my recollection of events and was bordering on calling me a liar. wgen he finally realized I was not backing down he said I would receive an apology from the csr at his branch. He was also quite rude about the fact that how dare I want an apology for being accused of being a thief and liar. when I did receive the apology letter it was in the form of a thank you card. Holy crap, these people at bmo have no respect for people at all. I have not received an apology yet from the assistant branch manager and was told by the district manager that he owes me no apology and said he owe me nothing as well. this experience has led me to submit a statement of claim with the human rights tribunal where I have s strong case. my last contact with both district managers was not productive at all. I thought that people at that level of the bank would realize the potential for a court case.in the end I realize bmo sucks and does not really care about peopkle at all. so again I say if you are a minority or an addict and you were discriminated against post it here and take the case to the human rights tribunal. do not let shame, fear or guilt let people treat you with disrespect because you have addiction issues.

to be continued

Bank of Montreal sucks. I am concerning that master card company took away 4610 cad to pay for a joint credit card that I had with my ex husband from my bank saving account without any notice, I canceled that card one year ago, I was the second card holder, I never activated that card and never used, I dont understand why master card stole my money away from my saving account without any notice, the person owe Mastercard company is my ex husband, they should ask him for the money, not me, Its not right to do that to me. I trust my bank thats why I put money there, after this happened I can not trust Matercard and my bank anymore.
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And I tried to contact the Matercard company, it seems it takes me long time to get to the right person, and then run to the voicemail, I left a message, and still didnt hear from him. I am so frustrated about that. Its not fair for me, I didnt expect something like that would happen in Canada, I thought canada is fair country.

All I wanna know now is give me an answer why they could do that, and I need my money back.

JJ

I had my parents cosign a loan I got for a new truck.. Well had some money problems... Got behind in payments. Was contacked by collection agency and told they were gonna take my trucki called the bank and she said if I got them some money and slowly caught up in payments everything would be ok.. So I mailed money orders... Well one day they showed up took my truck.. I took them to court showed my money oerders and put the lady from the bank on the stand who I delt with and she stated under oath that she never said everything would be allright if I sent them money just openly lied... So my parents had to pay more money and no truck... You know I caught up in payments.. Was told everything was ok then bam.. That bank will never get my bussness and if we all stck t0ogether in all of these theives we can hurt them. So list your complaints ill stand by you