Rotten Experience With BMO Mastercard = Looking Elsewhere
by insuranceuser on Dec 20, 2023
1 out of 5 stars
Credit Card Reviews
BMO World Elite MasterCard Consumer Reviews
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(50 reviews)
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Got a call that my card was compromised, so I called BMO. Waited 45 minutes on hold, got asked really hard to answer security questions - apparently, I got one wrong or something - as many people would since it’s something many people don’t know off the top of their heads. She told me she couldn’t help me because I failed the security test. That I had to physically go to a branch - because some random hacker on the internet compromised my card or something - something not even my fault. I’m just really annoyed right now so venting. I don’t think they should make the questions so hard to answer without any notice of what they are going to ask. Especially after such a long time on hold.
Be prepared to be on hold a minimum of 20-40 minutes. I have called numerous times over the past 2 years generally because I am locked out of my account online and need resets. I have never gotten through without a minimum of 20 minutes hold. Of course, when I first signed up for the card and experienced this I spoke with a manager who said: "We are aware of the issue and are working on getting it resolved". Here we are 2 years later the same problem. In the past, we always used CIBC visas and never did we have any wait times like this...We only switched because Aeroplan points were harder to come by and the program was making changes. After using my points on BMO world elite we will be moving on as my time is more valuable than the service BMO offers.
My new credit card arrived in the mail, and about 2 weeks prior to XMas, my card # was stolen yet again, which happens about every 6 months. Calling BMO Mastercard, they just say no - they can't do anything. . . and over a week later, I still don't have a new credit card, nor would they let me talk to the fraud department. So, BMO Mastercard CALLS ME to alert me to fraud on my account, then won't reimburse me the amount I'm out UNTIL their "fraud department" resolves the issue = BMO Mastercard is fraudulent in not immediately crediting my account. I am looking at a different credit card now because of this rotten service, my number being stolen so frequently, and BMO not immediately crediting my account with my stolen money.