BMO BANK NATIONAL ASSOCIATION
BANK
LOWER RATE THAN 78% OF SCORED PEERS
Data last verified: May 2026 snapshot|19 federal data sources|Methodology ›
Complaint rate · per 1,000 customersscale 0–10
05100.31PER 1,000 CUSTOMERS
Sector median 0.51 · Lowest in dataset 0.09
A lower federal complaint rate per customer than 78.8% of scored peers — though sub-signal observations remain on record.
Methodological confidence: HIGH · n=6,094 complaints over 14 years
Customer ratio
1 in 3,232
customers filed a federal complaint
Resolved with relief
26%
received monetary or non-monetary relief
Daily volume
1.2
complaints per day · 2011–2025 average
3.6× the rate of FIRST CITIZENS BANCSHARES, INC. (lowest); 0.6× the sector median; lower rate than 78.85% of 45 scored institutions.
24-month trajectory · monthly complaint rate
24MO AGOTODAY0.00740.00
Where complaints concentrate · top 3 product categories
Checking & savings
0.16/1k
3,210
Mortgages
0.04/1k
843
Credit cards
0.04/1k
706
TOTAL COMPLAINTS
6,094
2011–2025
YEAR-ON-YEAR
↓ 4%
flat
RESOLUTION RATE
26%
above CFPB median
SHADOW RATE
—
directional
FEDERAL CONSENSUS
—
—
5 nearest rates in scored dataset
BANCO POPULAR DE PUERTO RICO
0.29/1k
MECHANICS BANK
0.29/1k
BMO Bank, N.A.
0.30/1k
▸ BMO BANK NATIONAL ASSOCIATION
0.31/1k
GOLDMAN SACHS BANK USA
0.33/1k
Complaint Coach
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Federal data sources
CFPBOCCFDICFTCFederal ReserveFinCENHUDDOJNCUATreasuryFFIECFHFA
Independent analysis · not affiliated with any government agency
WHAT THIS MEANS FOR YOU

BMO BANK NATIONAL ASSOCIATION is a low-risk institution based on federal complaint data.

At 0.31 complaints per 1,000 customers, this institution is below our low-risk threshold of 0.50 — placing it among the better performers in our dataset of 2,333 scored US financial institutions. Complaint rates are normalised for institution size, so this score is directly comparable across banks large and small. The High confidence rating means this score is based on substantial complaint volume and is statistically reliable.

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Always review your specific product category and the complaint breakdown below, as overall rates can mask issues in specific areas like credit cards or mortgages.

Federal enforcement record

No active federal enforcement actions are on file across the OCC, Federal Reserve, CFPB, FinCEN, FDIC, and FTC.

FULL RECORD
Complaint Profile
Rate / 1,000 customers0.31/1k
Total complaints (2011–2025)6,094
Year-on-year change-4%
Timely response rate99.8%
Complaint rate normalised per 1,000 estimated customers. National median ≈ 0.30/1k.
Financial Health Indicators
Call Report financial data not available for this institution. This data covers the largest depository institutions in the FDIC reporting set.
Regulatory Enforcement Record
No active or recent enforcement actions on file across the 6 tracked agencies. Each row links to that regulator’s source explainer.
Top Complaint Issues
Managing an account27%
Closing an account8%
Opening an account8%
Breakdown of complaint issues filed with the CFPB by customers of this institution.
Methodological notes
✓ No risk flags identified across 21 data sources. This institution has no recorded government bailouts, regulatory enforcement, GSE suspensions, or federal litigation.
Institution Status
Data from CFPB, OCC, Federal Reserve, FDIC, FinCEN, DOJ, FHFA, HUD, US Treasury, FFIEC and FTC public records. Complaint rates normalised per 1,000 estimated customers. Not financial advice. Methodology › · Privacy ›