Bank Official sources verified

BMO Bank fraud reporting routes

Unauthorized access and unfamiliar account activity response.

Last checkedAug 5, 2026Official website

This independent directory is not affiliated with BMO Bank. Contacts below are sourced only from verified official pages.

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Account typeWhat happenedPayment or channel

Exact verified routeChecked 2026-08-05

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BMO fraud support

1-888-340-2265

Call or visit a branch immediately for suspicious access or unfamiliar activity.

Call official number

Source: BMO - Report Fraud

Before you report

Prepare the response, not just the phone call

Have this information readyFacts and identifiers the institution or agency may request7

Square account email and phone
Collect if user cannot log in or suspects takeover.
Required/recommended by Square support
Text message screenshot details
Ask for screenshot showing sender number and date; avoid PII in email body.
Recommended by Venmo
Phone scam details
Capture screenshot and narrative; do not share PII with phishing mailbox.
Recommended by Venmo
Affected transaction details
Collect transaction date, amount, channel, and status; mask account numbers.
Recommended by official source
When did it happen?
Record exact or estimated date and time.
Recommended by official source
How did you discover the problem?
Capture the factual discovery method without speculation.
Recommended by official source
Account holder name
Collect in secured workspace.
Required for written notice

Preserve this evidence nowKeep original records before they are deleted, replaced, or changed7

Recurring automated transactions
For replacement accounts, preserve list of recurring debits/credits to rebuild payment access safely.
Reference only
Original suspicious email
Forward the message without editing it and retain the original with headers.
Keep original and export copy
Records of fraudulent transactions
Preserve statements, transaction details, checks, receipts, and claim records related to the fraud.
Keep originals and working copies
Fraud-related communications
Preserve letters, emails, messages, and notices exchanged with institutions or suspected actors.
Keep original and export copy
Names, dates, and details of contacts
Record every contact, date/time, person or department, channel, reference number, and promised next step.
Structured record
Written follow-up letters or emails
Keep copies of all written follow-up and delivery or submission confirmation.
Copy acceptable
Screenshots and receipts tied to suspicious access or transactions
Preserve relevant screenshots and receipts with timestamps and transaction references.
Keep original and export copy

Other official reporting routesAgencies that may apply depending on the facts11

FBI IC3

Internet crime, cyber-enabled fraud, online scam, business email compromise, crypto-related fraud, or time-sensitive cyber incident.

Does not accept evidence attachments; user must preserve originals.

FTC ReportFraud

Fraud, scam, bad business practice, payment scam, or consumer fraud routing.

No guarantee of individual recovery; route and report preserve record.

CFPB

Consumer financial product/service complaint after contacting company when applicable.

Submit supporting documents; generally include everything because second complaint may not be possible.

USAGov Scam Wizard

User does not know which agency to report to.

External router; not evidence storage.

U.S. Postal Inspection Service

Mail fraud, mail theft, USPS smishing/phishing, identity theft via mail, mail-related scam.

For mail fraud form, mail copies and keep originals.

Local law enforcement / 911

Immediate danger or time-sensitive matter requiring immediate intervention.

Preserve report number and officer/contact details.

FDIC Consumer Response Center

Complaint or assistance involving an FDIC-supervised financial institution.

Submit copies when requested and retain originals.

Federal Reserve Consumer Help

Determine the correct bank regulator or complain about a Federal Reserve-supervised institution.

Retain documents for follow-up; do not place account numbers or SSNs in the free-text narrative.

NCUA Consumer Assistance Center

Complaint or assistance involving a federally insured credit union.

Preserve complaint confirmation, credit-union response, attachments, and proof of written escalation.

IdentityTheft.gov

Identity theft or misuse of personal information requiring an FTC Identity Theft Report and recovery plan.

Download or print the Identity Theft Report and recovery plan immediately; retain copies.

SEC Investor Complaint and Tips

Possible securities-law violation or problem with an investment account or financial professional.

Save the TCR submission number and printable complaint copy; retain all supporting records.

Official sources and verificationEvery public route links back to an independently checked official source1

BMO - Report FraudUnauthorized access and unfamiliar activity · Verified in browser

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