1-Star Review
1-Star Review — My Experience With BMO (Bank of Montreal)
ATM location: 2104 Larch Ave, Vancouver, BC V6L 0C3
I have never experienced customer service as disappointing as what I went through with BMO. What happened to me on October 21 was not only stressful and costly but handled with a level of disorganization and indifference that shocked me.
While using the ATM at the Arbutus branch early that morning, I deposited $760 in cash. The machine counted the full amount, then suddenly flagged “items could not be validated,” returned a single $10 bill, and timed out—without depositing the remaining $750 into my account. I had made similar deposits at other banks without any issue, so this was unexpected and immediately concerning.
What followed was worse.
When I called BMO’s customer service line, I was met with a cold, dismissive response and told my case would be forwarded to “investigations.” No empathy, no reassurance—just that I might see the money in 7–12 business days, or possibly never. I had to ask for a case number; it was not offered.
I went to the branch later that morning, hoping for real help. Instead, I was told there were no cameras in the ATM area and no branch-level reconciliation of ATM funds. When I asked to speak with the manager, I was handed his card and told he wasn’t available. I called twice and left messages—no reply.
After waiting the full 12 business days and hearing nothing, I called BMO again. That’s when I learned—only because I asked—that my case had been closed without any notice to me. And the reason? Investigations had reached out internally to confirm whether this was a BMO-owned ATM and received no response, so the case was incorrectly closed as a non-BMO ATM, which it absolutely was not.
This was not a small clerical mistake. It was a complete breakdown in process and communication.
Every follow-up call after that led to the same empty promise:
“Someone will escalate this.”
“Someone will contact you within two days.”
No one ever did.
After this experience, I feel that BMO showed no accountability, no urgency, and no respect for me as a customer. Losing $750 because of an ATM error was bad enough—being met with silence, misinformation, and zero follow-up made it far worse.
I plan to continue pursuing this through the appropriate channels, but based on my experience, I cannot recommend banking with BMO. The lack of support and professionalism I encountered was unacceptable.
21 ottobre 2025
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