BMO Mastercard
Reviews and Complaints

I have had the BMO travel insurance since 2017, the cost was suppose to change when I turned 65. I'm now 66 and it hasn't changed. I was first told it would automatically update at 65, it didn't, than I was told in included year 65, it doesn't. I'm now 66 and the cost charged to my card is for under 65. I'm not sure I have travel insurance but I'm being charged.

Mastercard says Allianz insurance is handling it, Allianz says Mastercard needs to change it. I've been given the run around for 5 days now and no one can help me.

Mastercard can cancel the charge but, can't modify it.

I'm convinced it's a great plan and they just want me to quit

It has been 8 months since I first contacted BMO Mastercard for a replacement card. After weeks of waiting and calling again , in mid Dec. the agent said they would expedite a card to me. Jan. 4th - 18 days later my expedited card arrived in a plastic bag tied to my gate! Also during this time some "genius" at BMO decided to change my mailing address. So for 2 months I did not get my bills and BMO keep racking up interest. I then had to make several to correct the address and get the interest removed. On one of those calls, a woman in the Mississauga office (name of Roxy) was rude and condescending. I had enough so I wrote directly to the President of Mastercard (Ms. Sasha Krstic) on March 24th. Today is July 21 st and I have not received any response or even an acknowledgement. So I changed banks and credit cards to CIBC.

The only plus for me is that I am a consultant who works on organizational effectiveness and service excellence and so BMO has given me a great example of incompetence from top to bottom. The worst customer service anywhere. On a ten point scale BMO Masrercard is a zero.

I have been trying to get in touch with BMO credit card dispute department for four months now (Sep 2022 - Jan 2023), up to now to no avail. I have contacted the branch, by phone, internal email and their official dispute phone line [protected] to no avail whatsoever. I have 7 unauthorized Uber Canada transactions that I'm disputing. Interest charges are accumulating as no one knows how to get thru to their dispute department. No one answers the phone despite being on hold for hours!

BMO pls contact me at: [protected]@gmail.com

On June 17,2022 I made a balance transfer from my Mastercard to my Flexiti account.

However it never made it to that Flexiti card it’s 6 months now and every two weeks that I phone they brush me off like oh well you will need to wait.When I made this transfer online it never said that it was not a correct account.

I have been a customer for over 38 years my husband as well.We have mutual funds RRSP as well. I am at the point where my husband and I will be pulling all our money out of this bank I am so disappointed that you treat your customers in this manner.

Hi, I am writing to request a refund for the interest charge of $492.10 on July 28th. I usually pay the full amount off through transferring from my account but it took a bit longer than usual to go through and the payment was a day late. I called in early August requesting for this amount to be returned and they said they would look into it.

I have since called back to follow up but the wait time was over 4 hours each time I try calling.

Thanks, Ken Stebner

17531 56st Edmonton Alberta T5Y 0T6

Card #[protected]

I phoned BMO Mastercard on Aug 6, 2022 to ask for a charge reversal. Their customer rep took my info but said I needed to talk to someone in the BMO dispute department. She transferred me to that line which through a recorded message said they were not open and to phone during business hours. Take note they never said what those hours are.

I phoned again to BMO Mastercard moments later to find out what those hours are and the customer rep told me 8:00 a.m. so she transferred me to another line. The person there told me that the card that I had was not one that she dealt with BMO Mastercard (Airmiles) so she transferred me to the dispute line which again I got to hear how they are not open via a recorded message.

I have several questions they are the following:

1. How is it that the so called Dispute line is not open 24-7?

2. Why do the customer reps not know that the Dispute line they are transferring you to are not operable?

3. How can you get through to someone that can actually help resolve your problems?

I find this so-called "service" to be unacceptable.

Ther “ verify a customer” requirement for telephone help is not necessary for every call. Your verify a customer data, if it is ever hacked, would put customers at risk. Giving a telephone and email along with credit card information is not right. I called about a transaction that I had specific information about and your representative would not talk to me. I cannot go to my home branch as I am currently two provinces away. Customers should be able to call about specific transactions without verification. This involved a double entry made at time of purchase because the store was unsure if it went through.

A thief could have additional information about the cardholder. Answer transaction questions!

My credit card is not functioning properly. I tried to get a replacement online but it says I have to activate a card I've been using for two years. I tried to call but was told there was a three hour wait time. I didn't have the time so I wrote a support note but never received a reply.

I tried phoning on two other occasions but again the wait time was hours and I did not have the time.

I have taken the time and am 1:45 hour:min into a two hour wait to speak to someone..this is not acceptable

I've expressed on numerous occasions that the joint account that I had with my partner at BMO bank of Montreal, I'm no longer using, despite this, without approval or notification and on a payment less than 30 days late BMO MasterCard has seen fit to go directly into this account and take $513 on multiple occasions.

This has caused my relationship with my ex-partner beyond what is normal. Cruel and unusual tactics related to stealing money from people who are struggling during a pandemic and a huge life change. These practices need to be declared illegal. I've only had one payment that was exceptionally late, one. The rest have been no later than a month. I've kept up more recently and they did this again on a payment that was overdue by a few days. These predatory practices need to be punished. I ended up struggling to make rent and groceries because of how they treat people.

How is this not illegal?

The man from bmo mastercard customer services [protected]) refuse to say his name clearly. He kept on repeating the greeting message in the most monotone depressing condescending way but not answering my question clearly which is how to spell his name. He purposely said his name very quickly each time and just kept on repeating the entire greeting message which is completely unnecessary. Then he just say there a problem with connection and just hang up. He doesn't understand the meaning of customer services. If you are the CEO of bmo mastercard, you can call customer services as a customer and see how condescending and patronizing they answer their calls. I will not be using bmo mastercard anymore. I do not deserve to be treated like this.

I got my BMO Mastercard years ago and have always paid off my balances, but after I moved to a remote location temporarily and used cash rather than credit, I kept seeing service fees up to $17.50 on my statements for months when I did not use my credit card. Nobody at BMO Mastercard has been able to explain this service charge except one supervisor, who insisted it was a 'normal' charge to keep my credit card active. Oh really, because Visa and AMEX have never charged me this.

My credit card was also compromised and one purchase made to it prior to me reporting it lost...most likely during the 35 minutes I was on hold to report it? Although I reported the card lost or stolen, and disputed the charge, the "customer service" people would not reverse the charge because of a variety of different reasons. "You reported your credit card lost after the purchase" or "You are a frequent shopper at Shoppers Drug Mart, where the supposedly unauthorized purchase was made, so this looks suspicious to us" and the like. I cannot understand why BMO Mastercard treats customers so poorly, dings them with unncessary charges, and assumes its customers are fraudsters. Horrible way to treat customers.