BMO Customer Service Issues

I recently exceeded my credit limit unintentionally, not realizing payments were still being charged once the limit was reached. Even after switching cards on my Apple account, where my Mastercard was no longer the main payment method, charges kept occurring. The interest is causing my balance to rise, and despite my previous efforts to pay off $[redacted].00 in 3 months, I can no longer afford such high payments due to being recently separated. I fear this mistake will impact my good credit rating. I am seeking advice on how to bring the balance back under the limit, whether through an increase, consolidation, or a low-interest loan. This financial situation is new to me, and any guidance would be appreciated. Thank you for your help. You can contact me at [redacted] or via email at [redacted]

Yesterday, I requested my mother, who is a 71-year-old woman, to withdraw money from my savings account at the BMO branch on Main St in Vancouver using my passbook. Understandably, the bank flagged her, and she was unable to complete the transaction. Upon receiving a voicemail from the bank at 12:15 pm, I promptly returned the call. After multiple attempts, I was able to speak with Frank at the branch. Despite explaining the situation calmly, Frank was rude and condescending, insisting on reiterating the security protocols. After a lengthy conversation, Frank agreed to remove the alert from my account and enable my mother to withdraw funds in the future. However, when I asked for his name and branch location for future reference, he was uncooperative. The next day, my bank card was swallowed by an ATM, indicating that the alert may not have been lifted as promised by Frank. This has caused me inconvenience and a need to visit a branch for a new card. While security measures are vital, I found Frank's behavior unprofessional and his failure to follow through disappointing. An apology and better customer service are warranted in this situation.

I am frustrated with the Woodbine/Danforth branch constantly restricting my access card. I cannot activate the new cards I received in the mail. Last week, I got a new card, and it's already restricted again, this time due to a Grubhub meal service. Am I not allowed to eat what I want? Do you control my food now? Will you start telling me when I can use the bathroom next? I am 75 years old, and it's my money; I should be able to do what I want with it. Even though you are the bank holding my money, it's still mine and not yours.

I believe there seems to have been a serious error on your part regarding the payment of my Shaw cable bill this month. Generally, I make my payment over the phone every month once I receive my disability check. I always ensure to follow up with Shaw to confirm payment receipt. However, this time, upon contacting them, there was an unfamiliar mention of post-dated checks which puzzled me as I had already made a payment. Subsequently, when I tried to check my account balance at an ATM due to my car breaking down, it displayed no available funds which was contradictory to the balance shown when I checked online later. The fluctuating balance between $0, $[redacted], and $[redacted] was concerning as I was under the impression that I had around $[redacted]. As someone on disability dealing with health issues like blood pressure concerns and flaring diseases, the financial uncertainty has caused immense stress, leading me to seek medical attention. After speaking with Shaw, they only confirmed receipt of $[redacted] around the 26th, which is intended to sustain me until the following month. I also faced challenges accessing my account online to lodge a formal complaint due to login issues. Rest assured, I would appreciate a swift resolution to return the money, specifically the portion related to the unused post-dated feature. Thank you for your prompt attention to this matter. - Shelley

I need assistance. I recently sent myself a wire transfer with MTCN ********** ********** through BMO Western Union e-transfer on October **, with reference number ******* and my passport name as Glenn Gordon Dundas. When inputting the receiver's name, I mistakenly omitted my middle name, Gordon, under Glenn Dundas, causing issues with banks. As a senior citizen, this has been overwhelming. My previous transaction with W.U. was in Cambodia Asia Bank with MTCN ********** on **********, showing my reliability. Please adjust my information accordingly, and send a new form including my full name Glenn Gordon Dundas. I am having trouble resolving this with Western Union and the Cambodian bank, as my phone is not working. Please reach out via email. Thank you for your help. Glenn G. Dundas

I need assistance urgently. I sent a wire transfer through BMO Western Union with the MTCN ********** on October **. The reference number is *******. I used my passport name Glenn Gordon Dundas, but for the receiver, I mistakenly omitted my middle name Gordon and just wrote Glenn Dundas. As a result, the banks are refusing to process it. This mix-up is causing me a lot of stress, especially as a senior citizen. I have a history of transactions, such as the one with MTCN ********** in Cambodia via Asia Bank, which I hope shows I am a trustworthy customer. Can you please update my information accordingly? I prefer to communicate through email as my phone is not working. My account number is ****-*** at institution ****, with branch transit number ****. Please send a new form with my middle name Gordon corrected. I have been dealing with this issue for three days without any progress, and I am running out of energy to continue dealing with it. Thank you for your prompt assistance. Glenn

Please assist me by sending a new form. I transferred a wire with MTCN ********** ********** through BMO Western Union e-transfer, posted on October ** with reference number *******. My passport name is Glenn Gordon Dundas, but I mistakenly omitted my middle name, Gordon, when I input Glenn Dundas as the receiver. Due to this error, banks are unable to process the transaction, causing me unnecessary stress. I am a senior citizen and finding this ordeal overwhelming. My prior successful transaction with Western Union was MTCN ********** on **********, through Cambodia Asia Bank, indicating my reliability as a customer. Please rectify this oversight in my file. I appreciate your cooperation. Kindly communicate via email as my phone is not functioning. Unfortunately, I am encountering difficulties as the Cambodian bank refuses to engage with me. After spending several days tirelessly on this matter, I am drained. Please send a new form with the correct middle name, Gordon, to help me resolve this issue promptly. Thank you for your assistance. - Glenn Gordon Dundas

To ensure prompt delivery of a Declaration of Tax Residence to the Bank of Montreal, Risk and Compliance, Canadian P&C at P.O. Box 11670Stn. Centre Ville, Montreal, QC, H3C 9Z9, I need a phone number for the address. The form must reach its destination by January 10th, and since I received it on Jan. 6th, I must use express global guaranteed mail service. Unfortunately, couriers do not deliver to Canadian PO boxes, so sending it by mail is the only option. The US post office, however, requires a contact number for the recipient to ensure timely delivery. Giselle Airriess, could you please provide the necessary phone number at the destination so I can proceed with mailing the form promptly? Thank you.

I was a TD customer last year and decided to switch banks. I chose BMO because they were offering $[redacted] for opening a new account with direct deposit. Despite having my pay deposited, I never received the money. They consistently hold my cheques for eight days, even though I've had the same employer for a long time. Their customer service is extremely poor. For instance, when I printed a void cheque at work due to not having a printer at home, they froze my card. I could not have it unfrozen over the phone, unlike most other banks. No one I spoke to could explain why my card was frozen, from the customer service rep to the teller. This is not just the worst bank service I've experienced, but the worst service I've encountered anywhere. I am now planning to return to TD. My initial goal was to save $5 a month at BMO, but I regret ever leaving TD, especially to bank with BMO. The extra money is not worth the poor customer service TD provides.

My wife and I fell victim to an online scam involving cashing fraudulent checks, resulting in our accounts being frozen. After obtaining new cards and reimbursing the $[redacted].00 lost, I encountered difficulties accessing $[redacted].00 deposited into a secondary checking account. Despite seeing the funds, my new card does not provide access, leaving me unable to transfer it. Frustrated by the ordeal, I urgently need the money to pay our rent and prevent eviction. I fear resorting to social media to address how BMO delayed releasing the funds for over six days, leading to potential homelessness for my family. Kindly assist by moving the funds to my primary checking account for immediate access.

What is my transaction limit to transfer funds from my checking account to my BMO line of credit? I tried to transfer $27,[redacted] but only received $26,[redacted] on May 25th as a cash advance from my MBNA credit card for investing. To work around this, I transferred $27,[redacted] to my IL CAN account for new equity purchases. Usually, I pay off my line of credit in $5,[redacted] increments, but even this smaller amount was declined recently. Could a pending purchase affecting the available balance be the issue? I seek clarification to ensure I can continue making $5,[redacted] payments towards my line of credit without encountering further issues.

I'm a senior who needed to send money to a relative in the US. I contacted a BMO agent who recommended using Western Union e-transfer. After facing difficulties with the process and the recipient unable to receive the transfer due to system issues, I had to explore other options. With the help of a different BMO agent, I requested a refund from Western Union. Although my account was credited, I wasn't refunded the initial five-dollar fee, which I find frustrating. I suggest that BMO reconsiders its partnership with Western Union due to the inconvenience and lack of transparency experienced. Despite the assistance provided by BMO agents, the overall experience left me feeling misled and disappointed, akin to being taken advantage of through excessive charges or deception.

I recently received a replacement credit card after losing my wallet. I verified with a BMO representative that the new card is activated. When attempting to add the new card number to my online banking profile, I encountered issues as my account was initially tied to the old MasterCard number which was cancelled. I understand that credit card matters require speaking with an agent at BMO. Only customers with other BMO banking products can change online banking details via self-serve options. I am aware that online banking setup must be done on a computer using a web browser, not on the mobile app. Despite trying on my laptop today, I keep receiving an error message prompting me to call the number on the back of my card. After a long wait on the phone, I connected with an agent who dealt with credit limit increases and was ultimately disconnected when trying to be transferred to the appropriate department.

A few weeks ago, BMO froze my Mastercard due to an unfamiliar charge. I managed to resolve it after a long wait on hold for nearly two hours. Today, I encountered the same issue, where they froze my card again. I heavily rely on my Mastercard especially during the pandemic because I have neuropathy and spend a lot of time playing online games. While I understand there might be a delay in processing my recent payment of $[redacted].44, it's frustrating to face this problem repeatedly. I have maintained excellent credit with BMO as a customer for nearly seven decades, and at 83, I expect better service. I hope this matter can be addressed promptly. Thank you.

Hello, I am writing to report concerning activity on my BMO chequing account linked to debit card ending in [redacted]. Someone claiming to be from eBay is trying to withdraw $[redacted] fraudulently, a transaction my wife and I did not make. The caller, using the number [redacted], remains silent when I answer and provides no information when I call back. I am 74 years old and dealing with health issues, so assistance in preventing this charge is appreciated. Thank you, D.L. Phone: [redacted] Email: [redacted]

I recently made a purchase from Nuubu for $22.00 using my BMO Mastercard. However, I now have concerns about the legitimacy of the company as I received a suspicious text regarding my delivery details. The website provided in the text triggered a warning on my phone, and attempts to contact their customer service at [redacted]/[redacted] were unsuccessful. There are also reports online indicating that Nuubu may be involved in fraudulent activities. I need assistance in verifying the charge on my credit card and taking appropriate action if needed. I received notifications about my order #1kax18 being shipped, along with a Canada Post tracking number [redacted][redacted], which Canada Post has no record of. Your guidance on this matter would be greatly appreciated.

I believe I may have made an error in providing my BMO Mastercard number to a Fireman's Charity this afternoon. They were supposed to email me a verification, but I have not received it yet. The transaction was for $55. I am concerned about potential unauthorized charges. My name is William H., and my card number is 5[redacted] 3[redacted]. For further contact, my home phone number is [redacted], and I reside at 81 Vanbuskirk Drive, St. Thomas, Ontario. I kindly request a prompt investigation into this matter. If I am unavailable when you call, please leave a message with your name and contact number for me to return your call. Aside from the $55 transaction earlier today, I have not made any other purchases. Thank you for your assistance.

Hello, while visiting Syracuse, New York, I used an ATM at Empire Federal Credit Union. Unfortunately, the machine retained my card. Upon speaking with the bank staff, I was informed that the ATM shredded my card. I am concerned about the safety of my funds, which amount to $12,[redacted] in my bank account. Currently, I am unable to verify the status of my money through online banking due to the issue with my card. Your prompt assistance in this matter would be greatly appreciated. Thank you. Gerald L.

I placed a stop payment on a transaction and transferred the funds to another BMO account to ensure the $12.50 was available for the stop payment. However, I am now unable to access any of my accounts. I urgently need the funds for dental work and had to use some for an RCMP charge related to fingerprinting for a job opportunity. I would like the bank to proceed with the stop payment as requested and allow me to access the funds in my other two accounts. I have already covered the $12.50 fee but it seems it was applied towards the amount I wanted to stop payment on, which was $[redacted].80.

I'm having trouble accessing my online banking to make a transfer and check my balances. Both my debit card number and online password are being rejected. I received a temporary number earlier, but it's also not working now. Your contact centers are busy, and I'd have to wait for one and a half hours, which is unacceptable. I know you close at 7:00 PM, which I find unacceptable as well. I demand a phone call tonight up to 10:00 PM. I feel stranded and worried about a security breach. I won't change my password again after doing it four times today. After 14 years of loyalty, I'm considering ending my relationship with your bank. Please address these issues promptly. My bank manager is upset, and I will inform her about the situation after hearing from you tonight. - Stephanie Barclay Phone #[redacted]