COMMERCE BANK CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/12/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	MO 63114	Web	Older American
I visited Commerce Bank in XXXX XXXX Missouri XXXX, I have been a customer there for several years and someone was fraudulently using ach debits on my personal checking account to make payments for their own account. This was the second time within 2 weeks this matter occurred, to speed up the process in order to get my money back I had to go there in person to sign an affidavit. During my visit with the bank manager XXXX he claimed there was nothing the bank could do and this is what I have to do each time this happens. I explained my income is Social Security money and I was worried if this kept happening that my money could all be tied up and I would start bouncing auto payments or missing payments I have due. He said they had a good deal on a credit card with the bank that had no interest for a year and could payoff another credit card and be charged only 5 % interest on that and on overdrafts, it was better than having the standard overdraft protection the bank offers although there is a fee of {$20.00} each time instead of the {$37.00}. He said, I can you an answer in no time and it will only take a few minutes if that. I agreed to start the process and decided I would payoff my XXXX XXXX XXXX and close it out as a result. During the application process this manager just up and asked me " how long have you been XXXX? '' I was stunned, no one ever from a business stand point had ever asked such a question ... very personal and unrelated to finance or my ability to finance I thought. Almost simultaneously following that very disturbing and inappropriate question question, the process which I was assured would only take a few minutes changed to .... '' they 're going to have to review your credit and consider a limit, I 'll have to get back to you later today maybe ''. I was in complete shut down, stunned that I was being singled out for being XXXX, asked questions unrelated to business, and more or less spinning with rejection from this perception as it was being created in front of my face over being on fixed income for being XXXX, simply put " not worthy ''. I called to complain about this by asking for the Managers supervisor to return my call. I explained what was going on and this person chose to defend and put words in place for his manager, stating " I do n't know what happened and there are two sides to every story, maybe he was just making conversation ''? You mean prying, filtering, screening, and discriminating against me for being XXXX? First I 'm told it only takes a few minutes to get an answer, the discovery that I 'm on XXXX is made and then it 's delayed and now they are unsure. I just finished off a car loan on 5 years in XXXX XXXX, I have a XXXX XXXX XXXX with a XXXX dollar limit ... no one there asked of my condition. I have XXXX XXXX with a XXXX dollar limit, no one there asked me anything about my XXXX. I have a new car loan with XXXX XXXX started in XXXX XXXX i HAVE PERFECT PAYMENT RECORDS AND HAVE HANDLED ALL MY ACCOUNTS EXTREMELY RESPONSIBLE. THIS ALSO INCLUDES MY MORTGAGE PAYMENTS OF XXXX A MONTH THAT HAVE HAD FOR 25 YEARS NOW .... all responsibly paid on. I even explained to the manager I was recently pre- approved by Commerce for a Mortgage Loan of over {$100000.00} on my complete own as an individual, THE LOAN DEPT THERE DID NOT ASK A THING ABOUT MY XXXX OR HAVE IT AS AN ISSUE TO CONSIDER ... THEY PRE-APPROVED ME. MY CREDIT SPEAKS FOR ITSELF. This is my point and why I 'm shocked and dismayed that Commerce Bank was now making my illness an issue to hold back a process. I do n't believe for one minute that anyone with my score and a job would have been scrutinized or screened like I was for something that I was assured would only take a few minutes tops .... the fact that I had to disclose I was on social security is verified through a letter of benefits by SSA that I can and have had to obtain, the SSA makes these available each new year to people for this very reason. Discrimination is when you do n't make all the people applying have the same requirements, is everyone applying at Commerce Bank asked " how long have you been XXXX ''. Worse is this, I understand asking me if I have had benefit income for a certain amount of time, I have no problem discussing my financial position for credit application matters. I do not understand at all " how long have you been XXXX " applied to qualifying for a loan though? I get XXXX income, how long I have that is one thing but how long have I been XXXX is not relevant and wholly inappropriate. I had to explain this to two grown adult men who could n't seem to realize what they were asking and/or defending of being asked. Are you kidding me? Commerce Bank has the luxury of knowing I 'm on XXXX because # 1 I had to express this over having my money stolen from my account and explaining it 's ssa fixed income. # 2 I had to disclose this for proof of income. By asking me how long I have been XXXX they began a screening process that they ca n't apply on anyone else or will, just the XXXX. Due to the fact that I was assured it only took a few minutes and know I have good credit and a great credit history, this delay created to " further review '' me and application it is pure discrimination based on me ( or anyone for that matter ) being XXXX. I was 100 % SINGLED OUT where a person with a paycheck would not be I know your agency does not practice in opinions, legal or political and I respect that but if I need to prove my XXXX and provide you my SSA Benefit Letter, I gladly will. Funny thing, I applied for several mortgage approvals over the past two years and credit cards from other companies, I was approved by all and none of them had the option to see me in person and the one place where I have banked for years and they do know me and can see me? I get scrutinized the most and put on hold. At XXXX I called this manager and informed him I no longer was interested in obtaining a credit card with Commerce Bank. He told me it was too late to stop the process but he will try and do it anyway, I will call you back later and let you know what I find out. It 's XXXX am XXXX XXXX now, no one from Commerce Bank as contacted me or attempted to contact me. I 'm giving him 24 hours before I call him to point out it 's been 24 hours .... I suggest no one who is XXXX use this institution, it 's pretty clear how they practice their craft at Commerce Bank and it includes finding ways to NOT serve those of us all in the same boat, the boat of denial XXXX has created for the XXXX who bank there
07/23/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	OK 74055	Web
On XX/XX/XXXX I ran my credit report using XXXX Credit Report. To my surprise my report had a credit card with Commerce Bank listed. I have attached the Account Details below. Come to find out my mother had opened this card on XX/XX/XXXX and had me listed as an authorized user. When I called Commerce Bank Customer Service I was told I was the primary and that I was jointly liable for the debt incurred on this card. I never signed any paperwork to even be listed on this card. I have asked Commerce Bank multiple times to provide me with an authorized signature from me. I was told the law was different in XXXX and a signature was not required. An Authorized User is not the same as Joint Contractual Liability and I want my name removed from this Account. Commerce also told me they had to choose a primary so that is why my name is listed. So a bank chose a XXXX year old XXXX XXXX with no credit to be the primary listed on the card. This is obviously an excuse because that makes absolutely no sense. Also a look into my credit history ; I did not start opening cards until XXXX. And to mention again they NEVER had my signature. I was also told that it was probably a paper application filled out in the mail. I never filled out any application, never applied by phone, or asked to be listed on the mentioned account. I did not make any of the charges. The bill has never been sent to my address. Payments to date have not came from me. Please Note : this is affecting my Debt-to-Credit Ratio 101 %. I have called numerous times ( XXXX, XXXX, XXXX to list a few ) and have been told again and again that they will not remove my name until the balance is paid to zero. My mother can not pay the full balance ; hence the reason she has been making payments. At one point Customer Service told me they would send a letter to my mother to sign to take full liability of the debt and when they received it back then my name would be removed and she could continue making payments. The letter was signed, sent back and received by Commerce Bank. I called XXXX and was informed by a supervisor ( XXXX XXXX ) that the debt had to be paid to zero. I explained that this was not what I was told and she apologized that her staff was confused. It was even admitted by Commerce that my name should have NEVER been put down as the primary. I have also attached the email correspondence. Beginning XX/XX/XXXX. Please take note the response time from Commerce Bank. Last being over 2 weeks. I have also called numerous times and the average hold time for me is 45-50 minutes after being transferred multiple times. Please provide me with any necessary steps I can take to remedy this issue. Best Regards XXXX COMMERCE BANK Account Number Reported Balance {$12000.00} Account Status PAYS_AS_AGREED Debt-to-Credit Ratio 101 % Available Credit $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. High Credit {$12000.00} Owner JOINT_CONTRACTUAL_LIABILITY Credit Limit {$12000.00} Account Type REVOLVING Terms Frequency MONTHLY Term Duration 0 Balance {$12000.00} Date Opened XX/XX/XXXX Amount Past Due Date Reported XXXX XXXX, XXXX Actual Payment Amount Date of Last Payment XX/XX/XXXX Date of Last Activity Scheduled Payment Amount {$270.00} Comments Contact COMMERCE BANK XXXX. XXXX XXXX XXXX XXXX, MO XXXX XXXX Email Traffic. From : Commerce Bank Support Sent : XXXX, XX/XX/XXXX XXXX XXXX To XXXX Subject : RE : Multiple Attempt to Remedy Issue Good Morning We do apologize for the delay in responding to your message. Unfortunately we are unable to provide specific account detail via unsecure email. If you have access to online banking please send us a secure message through your message center. Or please contact our Bankcard Department at XXXX. We are available to assist you from XXXX XXXX to XXXX XXXX 7 days a week, including holidays Thank you for being a valued part of Commerce Bank. XXXX From XXXX Sent : XXXX, XX/XX/XXXX XXXX XXXX To : Commerce Bank Support XXXX Subject : Multiple Attempt to Remedy Issue EXTERNAL EMAIL-Exercise caution when opening attachments or clicking on links. * * * * I have spoken to Customer Service several times. The end result was Commerce would send a letter to be signed and returned. This letter was returned several weeks ago and the issue is still not remedied. You should have detailed notes in your system to refer back to. To sum it up..there is an account open under XXXX and XXXX. The signed letter was returned to remove my name XXXX off the account. I need this to happen immediately. This account is affecting my credit. It has been admitted by Commerce that my name should have NEVER been put down as the primary. I understand you can not provide personal information via email, but I just need the issue resolved. XXXX From : Commerce Bank Support XXXX Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXX Subject : RE : Multiple Attempt Request for personal information Good Morning We are sorry to hear that this is happening to your account. Unfortunately we are unable to provide specific account detail via unsecure email. If you have access to online banking please send us a secure message through your message center. Or please contact our Bankcard Department at XXXX. We are available to assist you from XXXX XXXX to XXXX XXXX 7 days a week, including holidays Thank you for being a valued part of Commerce Bank. XXXX From XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : mymoney XXXX Subject : Multiple Attempt Request for personal information EXTERNAL EMAIL-Exercise caution when opening attachments or clicking on links. * * * * My credit report shows a credit card with Commerce that I was unaware of. I did not make any of the charges. The bill has never been sent to my address. Payments to date have not came from me. I believe this card was opened by my mother XXXX who was meaning for me to be listed as an authorized user. When I spoke to your call center I was told I was the primary. I am requesting the paperwork where I signed to be the primary user. I have called numerous times and still have not received an acceptable response. I have also called a local branch and did not receive any feedback. The first call I was told they could not provide the information I requested. The following calls I was put on hold and then the line disconnected. Please respond ASAP because this is affecting my credit. Regards, Sent from Mail for XXXX XXXX
07/03/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	TX 78748	Web	Older American, Servicemember
Subject : Complaint against Commerce Bank for XXXX XXXX Employees in Security and Unacceptable Verification Process Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to file a formal complaint against Commerce Bank regarding an insulting and abusive verification process I recently encountered as an elderly customer. This incident has left me deeply frustrated and disrespected, and I believe it is important to bring this matter to your attention. I have been a loyal customer of Commerce Bank for over 2 years and have always appreciated the level of service provided by the bank. However, my recent experience while attempting to verify my identity has left me feeling extremely upset and degraded. On XX/XX/23 ], I contacted Commerce Bank 's customer support team to address an issue with a malfunctioning chip on my card. The rude person in the security department named XXXX asked over four or five verification questions which I answered and she still wouldn't verify me and even asked if I was calling for the account holder because they couldn't speak English. To my surprise, instead of assisting me promptly, this XXXX said the account is restricted and is going to stay that way. Then, she said she couldn't verify me and that I needed to send a selfie holding my ID and then hung up on me. I had to call back and another person in security said XXXX made a note in my file that I had to send the selfie with ID. I said I'm not very tech-savy and will ask someone to help do this. While I understand the need for security measures, I believe that this particular requirement was not necessary but also highly abusive and inappropriate, especially when dealing with elderly customers like myself. My grandson helped me with this and I sent it in the next day. I called in and said I sent in the selfie with ID so now what and I got this XXXX person again in the security department and she said she couldn't help me over the phone and they never received it and they couldn't help me over the phone any more and that I had to go into a branch. Well, there's no Commerce Bank branch in Texas so I demanded to speak to speak to a supervisor in Security and this XXXX hung up on me again. I called back and waited almost an hour got a supervisor in security named XXXX who said I will get a call the next on XX/XX/23 and that person will be able to verify me. The next day came and no one called. I called in and was able to get someone in security who was very nice and she verified me and said the card is active and able to be used. I asked why there was a restriction and she said the card was declined at two stores because of the malfunctioning chip. I said let me try to use it once more at a store and if it still doesn't work I will call back to request a new card. I tested to see if the card was working and made a purchase on XXXX so the card was active and unrestricted or so I thought. I logged into my account and saw that there was still a block on the account but I was still able to access other features in my account like retrieving my statements. I wanted to try to see if the chip on the card was working and tried it at a store and it failed. I came home and called customer service to request a new card and they said there's still a block on the account and I had to speak to security to clear it. Well, I got XXXX the supervisor again and he gave me the runaround again and said oh the call back could take 48 hours and to wait till Monday XX/XX/23. I said I would be filing a complaint and XXXX didn't seem to care at all. All this just over a malfunctioning chip. The reviews for this bank says this is a horrible bank which I am experiencing now. As an XXXX individual, I have always valued my privacy and dignity. Being asked to provide a selfie in combination with my identification document is not only a breach of my privacy rights but also a disrespectful and condescending request. It implies a lack of trust in my ability to identify myself, despite being a longstanding customer of Commerce Bank. I have give this bank great business and paid off over nine thousand dollars on this account. This experience was so distressing I had to request to put a family member on my account as an authorized user. Furthermore, I find it particularly alarming that Commerce Bank, as a financial institution, would employ people like XXXX and XXXX and have such a verification method that potentially puts vulnerable elderly customers at risk. Requiring individuals of advanced age to participate in a process that may not be easily understood or executed can lead to confusion, frustration, and, in some cases, exploitation. It is disheartening to see a bank disregard the unique needs and concerns of elderly customers. How would XXXX like it if her credit card company demanded this? I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Commerce Bank for their unacceptable verification process. I request that the following actions be considered : Review Commerce Bank 's current verification practices, particularly regarding elderly customers, and ensure they comply with industry standards and respect individual privacy and dignity. Impose appropriate penalties or sanctions on Commerce Bank for their failure to uphold customer rights and provide a safe and respectful banking environment. Provide guidance and recommendations to Commerce Bank on how to improve their verification process, specifically for elderly customers, ensuring it is both effective and sensitive to their needs. I trust that the Consumer Financial Protection Bureau will handle this matter with the utmost seriousness and urgency it deserves. I kindly request your prompt attention to this complaint and a timely resolution to rectify the distressing experience I have endured. I hope more people file complaints about Commerce Bank because they deserve the maximum fine for unethical business practices like this. Thank you for your attention to this matter, and I look forward to a satisfactory resolution. Yours sincerely, XXXX XXXX
05/11/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	IN 46725	Web
To whom It May Concern : I XXXX XXXX am filing a complaint again st the entity of Commerce Bank of address XXXX XXXX XXXX XXXX XXXX , MO XXXX , regarding there atrocious handling of an account that I have been disputing since XXXX , XXXX . As such, I contacted the company 's corporate 's office and conversed with a femal e executive a nd requested for the deletion of the debt which was negatively affecting my credit score . I explained my rationale and extenuating circumstances over the phone verbally and as such, was approved by that particula r executive representative and was also promised a follow up from her relating to the matter, but no such responded contacts was ever fulfilled by her. However, I made followed up contacts and was informed that no notes in their systems reflected any such correspondences. Thereafter, I even went ahead and filed about XXXX disputes with XXXX XXXX , and informed XXXX reps, that this debt was already approved for deletion ov er three years ago by XXXX of thei r executive re ps, as well as objectively challenging the disputed dollar amounts and time frames from which the creditor closed my account which also did not reflect the cancellation of the credit card account which was 90 days late in closure by Commerce Bank, representatives, for which was done purposely by intent and unjust approach. This also caused a gravalicious mayhem with the many collection agencies that they coincided with to cause me nothing but a great deal of high disturbances. I have also noticed on many occasions the constant changes of the account balances ranging from over {$2000.00}, to {$2500.00}, and now, they have brought it down to {$2400.00}, with there many bogus additions and subtractions of deeply and troubling practices. I reached out to there corporate office again, and conversed with a lady in their media department regarding my concerns and all I can say is that she did her job compared to the rest by notifying a XXXX XXXX , about contacting me which materialized on XXXX , at XXXX est, leaving a recorded message to reach out to her. I did so, and shared all stories relating to the matter and was informed that she would be carrying out a research and investigation into the matter and would be contacting me in a few days. To no avail, weeks went by and no such, contacts by XXXX XXXX , ever materialized. This time I kept on being diligent in my approach to get in touch with her, which was extremely difficult to fetch. Upon, finally getting in touch with XXXX , and while conversing with her, it became noticeably apparent that this woman that represents XXXX of the highest office within her, entity had no intentions of fulfilling her duties, and just responded with a bunch of conjectures and misrepresentations regarding all of her insincere researches of several years of which she allegedly claimed to have investigated showing again, no such, correspondences according to her which was extremely odd to me. Just did n't make any sense. Her statements we 're just extremely convoluted regarding all of her baseless claims. Then she made another false claim about she had called me, on several occasions during the time frames she had specified for. I then responded saying lady I have voicemail and caller ID, and no such, findings by you, here are accurate. Thereafter, she came to an immediate halt, knowing that she had just lied blatantly, and just got busted in the process. In further, findings by XXXX 's, statements of her additional and alleged researched claims, I went on to advise her that all of her actions we 're nothing but a big disturbing deeds of disservice, and without a doubt one that would be shared with CFPB, of which she boastfully encouraged me, to do whatever actions by my own discretion 's. Once again, the actions of this entities disturbing behavior 's for which I found to be deeply troubling practices at all levels of operations while operating in the business world and marketplace should be rewarded with stiff penalties of justice by the CFPB, and FTC for such uncaring and vindictive approach by Commerce Bank. As, a financial institution, notes should be shared in a inter-connected technology and database system for transparency and for validation purposes regarding all levels of contacts etc. Nothing of vagueness, distastefulness, discreetness, evasiveness, combativeness, or just being out-rightly defiant knowing that the matter, again, was already approved for deletion over three ye ars ago by verbal communications by XXXX of their upper management of personnel. Again, this behavior and egregious acts of bad practices by Commerce Bank, for which they practice appears to be a common theme given the many other reviews that I have come across by many other customers of theirs holding various accounts under the umbrella of Commerce Bank, regarding charges of interests rates, and extremely poor customer service etc. Many unhappy past and present customers regarding those genuine findings which is extremely troubling and highly disturbing. And as such, I am requesting that swift action of justice be carried out against Commerce Bank, for there misrepresentation that they displayed, and for all of their other atrocious disservice of approaches for which they deliberately induced as it pertains to the extremely disturbing matter to benefit there crooked and nefarious designing schemes. And lastly, the already approved deletion should be upheld without interference of any obstructions as it has substantiated merit of verbal approval.
01/03/2019	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	KS 66062	Web
I am listed as a transfer on death for my mother 's checking account. On XX/XX/2018, she died. I contacted the branch several times by phone yesterday and today. The first call was left on the branch manager 's v-mail, XXXX XXXX. I called to find out what type of paperwork I needed to bring for the money to be surrendered in my name. He never called me back. I had to place another call later in the day and spoke to a branch employee. She advised me the paperwork that would be needed, including the chain for my name change. Today, I received a call from forensics. They stated the body was ready to be picked up and that we needed to make a decision on a funeral home or crematorium. I asked about the death certificate, and they said the final official death certificate would not be available for another 15-16 weeks due to the additional tests run on her body to determine the exact cause of death. The stated a pending official certificate could be issued more quickly. In the interim, I contacted the bank to see what type of documentation they would accept. I told them about the circumstances with waiting on the final, but the woman stated she had verified with the branch manager that all we needed to bring was paperwork from the crematorium stating my mother was deceased and they would provide this when I signed the paperwork for her cremation. The crematory sent me away with an unofficial pending death certificate, I gathered all the other documentation, and we headed to Commerce to take out money to pay for the cremation that my mother had set aside. I explained that I only wanted part of the {$1700.00} she had left in her account, because she had written a check for {$250.00} and we needed to make sure it would clear. They stated they normally just closed out accounts, but they would make a call to verify if they could handle the account this way -- withdrawing part of the money prior to closing the account. When they spoke with legal, the legal department inquired about the status of the certificate and the banking rep stated it was a pending official. They stated they could not accept it despite what was told by the branch manager. I complained that we had had several miscommunication problems with this location in the past, which is why my spouse no longer banks with them. In addition, when I would take my mother to the bank, she would routinely write checks out for {$20.00} in cash. Sometimes they would demand id and other times they would not. My mother had suffered a mini-stroke, so she would need to fumble in her purse and wallet for sometimes 10 minutes at a time in drive-thru in order to find it. When I worked in banking, there was a standard policy to ask for ids on checks that were {$50.00} or more. From what I have been told, Commerce has no standardized policy on id and just makes rules at the branch level or depending on whether the teller wants to ask for it or not. This in itself will end up making Commerce look like they are racially profiling if they tend to ask for ids on minorities more than Caucasians. I left and called customer service to complain and to ask for a district manager to call me back and explained the nature of the complaint. The first person I spoke to was named XXXX. She spoke to her supervisor named XXXX, and his recommendation was to go to another branch location if we were having problems with this location in order to withdraw the money. It was like they did not even understand the nature of my complaint. I told her this was not a solution, to jump branches until the money was withdrawn, and that I wanted a clear explanation of what I needed to bring, official pending or offical final, before I made another trip to a branch. She then transferred me to another supervisor named XXXX. XXXX stated she would give me the district managers name and number to speak to directly. What she gave me was the branch manager 's name and direct number. I was furious. I can not believe they are pulling this kind of nonsense on a person in the middle of a grieving process when the person is trying to get cremation expenses paid for. This branch clearly lacks proper training and I expect a call back from a distract manager explaining exactly what they will take before I make another trip.
10/18/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MO 657XX	Web	Older American
Commerce Bank in XXXX, Missouri : XXXX stopped in to change personal checking to a " relationship '' checking. While making this change XXXX XXXX, personal banker II suggested changing our debit card to a Platinum debit card because it had more perks and " looked cooler ''. I told her we did not want the card if our debit card # would change as we have many accounts and businesses tied to that debit card. She said she didn't think it would change and I reminded her several times during the conversation that we did not want the card if the card # would change. She attempted to print the new Platinum card while we were there and was not successful for whatever reason. I again reminded her of the card # change. She said she would reach out to someone and ask if the card # would remain the same if we upgraded to the Platinum card. She said she would call the next day to let us know the answer. I would think a Personal Banker level II would have known this. We then left pending her answer. Bank was closed the following Monday. XXXX XXXXXXXX XXXX XXXX XXXX called to let us know that our current debit card had been cancelled and a new Platinum card issued!!! This was done WITHOUT our consent! XXXX stated that the girl she contacted took it upon herself to cancel our current debit card and issue the new one. I told XXXX that this can not happen and to reverse this transaction immediately and reminded her once again of all the accounts and businesses we have tied to our current debit card. She said she would talk to someone else and see what could be done. XXXX XXXX XXXX I called and left a message for XXXX XXXX asking if she had an answer about the unauthorized cancellation of our debit card. XXXX XXXX pm XXXX XXXX called to tell us there was nothing she could do to fix this. I asked to talk to the branch manager XXXX XXXX. XXXX was not available so XXXX said she would have her call me. XXXX XXXXXXXX XXXX XXXX called and we discussed the issue of an unauthorized cancellation of our debit card. I explained the impact this would have on my husband and I. We are XXXX XXXX XXXX that live far out in the country without internet access and little cell phone service. I explained to XXXX all of the accounts and businesses that we have tied to the now cancelled debit card and asked her how in the world are we supposed to transfer all of the accounts and businesses to the new card without internet/phone service to do so. XXXX said she would reach out to the Supervisor of the girl that cancelled our debit card. XXXX XXXXXXXX XXXX Called and left a message for XXXX. XXXX after no return call from XXXX, my husband and I drove to the bank to speak with XXXX. We were told she was in a meeting. We speak with XXXX XXXX and she said she would call by the end of the day. XXXX XXXX XXXX XXXX XXXX called to tell us there was nothing that could be done to reverse this. She transferred me to XXXX then XXXX went into XXXX 's office so all 3 of us could talk. XXXX told me she contacted the debit card department and was told that once a new card is issued, the old card is marked as inactive but we can still use it for 30 days but after that we HAD to use the new one! I can't even wrap my head around this. I would think this is an illegal activity, I told her I would like the name of the Supervisor that is over the girl that cancelled our card. I also asked for more information so I could file this complaint, dates/times of communications to internal departments. XXXX XXXXXXXX XXXX As of today I have not heard back from XXXX XXXX, branch manager of the XXXX Commerce Bank, or XXXX XXXX XXXX XXXX XXXX. We NEVER authorized the cancellation of our current debit card in order to be changed to a Platinum debit card. Our current debit card goes completely inactive on the XXXX of XXXX per XXXX. We did receive the new Platinum card but have not activated it, as per XXXX, our current card will immediately be deactivated once we do that.
09/21/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	MO 63123	Web
I hired a contractor to do a home construction project that he was skilled or capable of doing although that is what he sold to us. The contractor left our home in shambles due to getting injured at another job so he said. However during this time he was supposed to be at my home, but instead was taking other jobs instead. The contractor advised us he was bonded and insured prior to starting work and then when he finally let me know he was not able to finish our contracted timeframe on our project because he was injured he also told me hes worried about it because he isnt bonded and doesnt have insurance. I asked the contractor to send me a termination of contract letter due to him not being able to complete the project within the agreed upon timeframe. He advised me he could complete the job in 3 months and would be on crutches. I immediately called Commerce Bank and disputed these charges as fraudulent due to the new construction company saying that the materials the guy left here were not in good condition as they were warped and left in the garage and could not be used to pass inspection. I have had the county inspector here who has rejected the condition of my stairs. I have sent multiple documents to Commerce Bank trying to address this as quickly as possible. Commerce Bank did a 3 way call with me and the merchant or contractor and advised me that this call was what decided the dispute decision. The dispute agent that I spoke with said that we resolved it during that call and all parties agreed including myself that those funds were owed. I have multiple emails sent back and forth since that original contact indicating that being the farthest thing from the truth on my end. I feel no one actually looked into this dispute as this call that they said I agreed to owing these funds ended by me asking commerce to please direct any other questions to me directly and not with the merchant in my ear. I had tried to remedy this with the contractor thats why I called the bank. I have spent countless hours just trying to speak with someone in the disputed department and was sent the decision 1 week before funds were being charged back to me and got the letter 2 days before funds were pulled out. No time to express frustration or appeal further or have the bill opportunity to be able to submit additional documentation if necessary or review/discuss what has been received and reviewed. There was no one truly helping with this and now me the customer is stuck taking the hit from a shady contractor, the new construction company that charged more than twice what the original contractor charged, and the bank who could really care less. I had more calls disconnected trying to dispute that is if anyone ever really answered. I have medical issues and my husband also has medical issues one of them being from falling down our stairs which is why we were needing to do the home construction project to begin with. I was told the day before the funds were charged back that XXXX the manager in the disputes unit would call me back to address this. No call back was received. Now I cant get the dispute call center to answer at all. Last communication Commerce said was for me to seek legal representation against a guy who lied about being bonded, insured and capable, left my home in shambles, and without any true identity of who he is as he has since deleted his company page where I found him originally. Commerce sided against their own customer and they are truly the only way to find him since it was paid with my credit card to his bank account using checks. This contractor tore down my stairs and replaced them with my old stairs how is that not a fault product or fraud in the Commerce dispute unit? Additionally, they are charging interest on an account that isnt supposed to have interest yet.
08/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60302	Web
Regard : Commerce Bank Credit Card. Subject : Knowing, Willing, and Intentional False reporting by Commerce Bank Credit Card for the purpose of defrauding and causing irreversible damages to credit score. Commerce Bank Bank- cc # XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX Note : Complaints against XXXX and XXXX will be following. Hi, Between XX/XX/XXXX to XX/XX/XXXX, while I had no activated Credit Card, Commerce Bank credit card 's customer service refused to accept my payment on the phone. However, Commerce Bank Credit Card Company reported my account delinquent to all the credit reporting agencies severely damaging my credit score, and charged me fees and interests, while I had no active card because I was waiting for the replacement card. 1. In or about XX/XX/XXXX, I called Commerce Bank and requested to cancel my " current '' credit card ending with XXXX because of fraudulent activities. Commerce Bank agreed, canceled my credit card ending with XXXX, and initiated sending me the first replacement card ending with XXXX, which I neither received nor activated. Last week I found out the credit card ends with XXXX. 2. I repeatedly called Commerce Bank customer service inquiring about the 1st replacement card, and tried to make payments. But, Commerce Bank refused to accept any payment because the 1st replacement card is not activated and Bank can not accept payment ( s ) on the closed card ending with XXXX. Furthermore, Customer service promised not to charge my account late fees or report it delinquent. 3. However, without my knowledge, and illegally, Commerce Bank reported my credit card account as a delinquent account and caused damages to my credit score. The reporting is Federal Wire Fraud. 4. On or about XX/XX/XXXX, I called Commerce bank and requested a second replacement card because I did not receive the 1st replacement card ending with XXXX. 5. Commerce Bank issued and sent me the 2nd replacement card ending with XXXX. 6. In XX/XX/XXXX, I received the 2nd replacement card ending with XXXX. Therefore, I activated my 2nd replacement card ending with XXXX. 7. I found out that Commerce Bank reported my account delinquent causing damages to my credit score by lowering score. 8. Furthermore, Commerce bank charged my account late fees and refused to remove all the late charges. Therefore, Commerce Bank committed theft. 9. Furthermore, Commerce Bank charged my account interest fees. 10. I have stated that with the credit reporting agencies, XXXX, and XXXX but to no avail because TXXXX and XXXX are not impartial agencies, therefore, they denied me the avenue to upload any documents and refused to listen and write all that I need to state in my dispute. 11. Furthermore, XXXX and XXXX do not send me the response of the creditors if any. 12. Moreover, XXXX and XXXX consider and believe all the creditors are XXXX and their reports are holy XXXX, while all the consumers are XXXX unless proven otherwise, but XXXX and XXXX do not afford the consumer like me the opportunities to prove that the creditors are the XXXX. Therefore, Commerce Bank Committed many Federal offenses for its fraudulent reportings herein that amounts to Wire Frauds Title 18, United States Code, Section 1343, 2 and 3551 et seq. Bank Frauds Title 18, United States Code, Section 1334, 2 and 3551 et seq. Conspiracy to commit Bank Fraud contrary to Title 18, United States Code, Section 1334. Attachments : Statements of credit card ending with XXXX, and credit card ending with XXXX.
09/08/2015	Yes	Credit card	Closing/Cancelling account	IL 61701	Web
I opened a Commerce Bank secure credit card about one year ago with the recommendation from a local banker. And after having the card for about ten months, I went to the branch and asked whether it was possible for me to be given a regular credit card. The banker helped me to apply for the regular card, and promised to call me with any updates, which she never did. The application was rejected due to the reason that I am not a permanent resident. Even though I could understand the reasoning, and can accept this decision, Commerce Bank and their local employees did not at any point during this process informed me that the bank does not approve regular credit cards to non-resident, while knowing for a fact that I am not a XXXX citizen or a permanent resident. To be more specific, at the time of opening of the secured card, I asked them about the possibility for getting a regular credit card after opening the secured one for about a year, and the banker told me that it was possible, and when I went to the branch to apply for the regular card, the banker XXXX same one ) did not mention the fact that the regular card is not available for non-residents. I am not sure that if it is an actual break of law or any regulation, but I was under the wrong impression that getting a regular card was a possibility. I am not satisfied with the fact that Commerce Bank did not point out this rule, and this information is nowhere to be found on their website or the materials sent to me. The second part of the complaint is that after I learned that I was rejected the regular card, I asked the local branch to close my secure account, as there is no point to keep this useless card while paying for the {$49.00} annual fee. At first, I called the customer service, and the representative told me that I needed to go to the local branch to close the account, and that I might still be charged for the annual fee, because they would need 30 days to process this request ( I decided to close the account on XXXX/XXXX/2015 ). I just could not understand how is this even possible ( being charged for the annual fee even though I decided to close the account, and the fact that it takes 30 days to close the account ), but I followed their demand and went to the local branch to close the account. The banker submitted my request and told me that it usually takes less than 30 days for the process to be finished, and I should get my money back in about three weeks ( I have the recording of our conversation as I could not trust their words anymore ). I put in my request on XXXX/XXXX/2015, and the card, later I found out, was closed on XXXX/XXXX/2015. However, after waiting for over 30 days for my money to be put into my checking account with them, I still have not received it as of today XXXX/XXXX/2015. I tried to call them last week asking about this issue, and they promised to call me back, but they never did. Therefore, right now I would like to ask for help with getting my money back, since it has been well over 30 days, and since I need the money as soon as possible in order to pay my bills which are due next week. I seriously doubt that Commerce Bank will be willing to pay for any late fees and interests incurred with my bills, so I just would like to ask them to give my money back.
10/15/2019	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	MO 63376	Web
In late XXXX I received a letter from Commerce Bank of MO that they were no longer handling HSA accounts and my account must be transferred. I completed a custodian to custodian transfer form from my other HSA custodian ( XXXX XXXX ) and submitted same to XXXX XXXX. On XX/XX/XXXX I received an email from Commerce stating my HSA statement was available. It usually ended on the last day of each month, so I checked and it showed my entire account balance ( {$1500.00} ) transferred on XX/XX/XXXX. I checked my account at XXXX XXXX several days later and saw a pending deposit of {$25.00}. Thinking it was a test deposit before sending the full amount, I waited for the rest. When no further funds had been transferred by XX/XX/XXXX I called XXXX XXXX to see if there was another transfer pending, they stated they only received the {$25.00} transfer and nothing further. I contacted Commerce HSA as soon as the opened at XXXX XXXX on XX/XX/XXXX and spoke with XXXX. After explaining the situation, he explained they took out a fee in error and sent {$1500.00} on XX/XX/XXXX and the remaining {$25.00} on XX/XX/XXXX. I asked him to compare the two transfers and he determined that the person who sent the transfer of {$1500.00} on XX/XX/XXXX left a 7 off at the end and stated he would send it up to be rectified. He stated he would expedite it, but it may take 2 to 3 business days to have the funds resent. He took my cell number and stated he would call me when he had further information. I called again on XX/XX/XXXX at approximately XXXX XXXX ( having been almost 3 full business days and having heard nothing ). After calling several times because they could not get me transferred to XXXX, he returned my call. He had no further information and told me to wait until the end of Monday. Again, he said he would mark it as urgent. Having heard nothing by XXXX on Tuesday XX/XX/XXXX I called and spoke to XXXX. After sitting on the phone for 10 minutes for XXXX to review the notes, XXXX asked, " Have you received the check? '' I explained it should have been a custodian to custodian transfer and asked if a check had been issued. He stated he did not know. I asked to talk to a Team Lead or Supervisor. I explained that this was an error on their part, the problem had been diagnosed 6 days ago, and wanted an explanation as to why my funds had not been sent. After another 5 minutes he stated he would take my number and have " her '' call me back. I told him I would wait on hold until she was available. After another 5 minutes, he stated she would have to call me back tomorrow because the person she needed to speak with was not there. I asked if they were regulated by the FDIC or Federal Reserve as I wanted to make a complaint. He told me FDC. I questioned that and after another 2 minutes he stated I should go to US.gov. I asked him to stay on the line while I determined if that was a good site, he responded by instructing me to call XXXX. At this time, Commerce still has {$1500.00} dollars that belong to me and have been earing no interest for 30 days.
10/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	CO 80916	Web	Servicemember
I am a XXXX XXXX and market various products for suppliers. Earlier this year my business and myself was a victim of numerous financial fraud totaling over {$20000.00}. The loss of this funds had an impact on my income and my credit. As a result of the impact to my credit, I went from a XXXX credit score to credit score in the 500s. When my score reduced lenders that I had great relationship with started lowering my credit limits. I understand this because I am looking like a liability to these companies because they did not know the situation. By these companies reducing my credit limits, it further damaged my credit since these credit card had balances on them. Commerce Bank and XXXX XXXX XXXX are two of the main companies I am experiencing tremendous problems. I have been a loyal and responsible borrower with both companies. My account with Commerce Bank has been opened since XXXX. My credit limit was {$7000.00}. I have made ontime payments for the last 5 years and my limit was never increased. The company states they review account often. Secondly, there are two open disputes on my account that was never fully investigated or given my an update since the disputes were filed. One dispute is for {$1000.00} and the other is {$1500.00}. I have been getting interest fees on both charges. Services were never provided and these charges was suppose to be credited back to my credit card. Enclosed is a Commerce Statement in XXXX of XXXX showing my credit limit was {$7000.00}. XXXX Statement showed my limit was {$4300.00} after my credit limit was reduced which brought my credit utilization ration to more than 100 % since I had an outstanding balance. As a result of the credit limit decrease, my credit score was further negatively impacted. I'm in the process of buying a home so I made a {$2000.00} payment on XX/XX/XXXX so that my utilization ration would be reduce which would then increase my credit score for me to get qualify for a mortgage loan. Instead of my utilization reduce, Commerce Bank lowered my credit limit a second time immediately after payment was received. The lowered limit to {$2100.00} was reported to the credit bureau which lowered my credit score again and now maxed out the credit card since they did not credit the {$2500.00} dispute. At this point I do not owe Commerce bank any money. This company now owes me more than {$500.00}. XXXX XXXX XXXX also did the same thing. My credit limit was reduced from {$6400.00} to now {$1600.00} after a {$2000.00} payment was made on XX/XX/XXXX. This is not right and these companies should not be allowed to damage consumer credit score by reducing limits for no reasons at all. I have never violated any terms in the agreements and have never made a single late payment since I have been a consumer with both companies. My family life is being affected by these companies and I'm quite sure this is the case for thousands of consumers that have credit accounts with them. Thank you for looking into this matter.
04/25/2015	Yes	Credit card	Late fee	ND 58102	Web
I had set up autopay for my credit card online with Commerce Bank. On XXXX XXXX, Commerce showed that my payment had gone through in their system. On the XXXX of XXXX, I learned that the payment had been reversed. I contacted Commerce to what the situation was. I went through my routing information with them to learn that my auto pay was XXXX digit off. The support staff was helpful and they changed my autopay routing number over the phone and then deducted the original payment as desired. My next auto pay was set to occur on XXXX XXXX. I logged onto my online account on XXXX XXXX to make sure everything was all set only to find out that my auto pay had been cancelled. I re-setup the auto pay but it said my XXXX payment was to go in effect on XXXX XXXX. There were no other options to immediately pay online so I contacted Commerce support again. I stated to him exactly what had happened and that I needed to confirm that my payment would be occurring on the XXXX of XXXX. He assured me that it would come out the next day and I again explained that the online system showed it would n't come out until XXXX XXXX. He again assured me that the payment would come out on XXXX XXXX. I asked for some sort of confirmation number and he stated that he was unable to provide anything but again assured me that my payment would come out. Not believing a lick that he was telling me, I emailed customer care telling them : '' -- - Original Message -- -Sent : XXXX/XXXX/2015 XXXXTo : CBISubject : Account InformationI just wanted to leave a message for you regarding my autopay. This will serve as notice if my bank account is not debited tomorrow ( XXXX/XXXX/15 ) that I have indeed attempted to pay on time. On XXXX/XXXX/15, I logged in to confirm what date my autopay would go through. At the time, it appeared that my autopay had been cancelled so I reset it up, however, it showed that my next payment would be XXXX/XXXX/15. There was no other means to allow me to pay online so I contacted customer support over the phone today, XXXX/XXXX/15, to confirm when my payment would be made. The support specialist today me that my payment should come out tomorrow even though online it shows that my next payment is coming out on XXXX/XXXX/15. I asked the customer support person to make a note that I confirm my payment would be coming out tomorrow. If for some reason, it does not and Commerce charges me an overdraft fee, I will notify the CFPB and this email will be included in that complaint. I hate to be pessimistic but I am concerned as the payment online shows XXXX/XXXX/15. " Sure enough Commerce did n't deduct my payment on the XXXX and charged me a late fee. Additionally, I was being charged interest on a balance that should have been lower. Thus, I was fraudulently charged interest in addition to the late fee. This is horrible business practices full of deceit.
10/10/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	KS 66502	Web
I just want to convey my displeasure with some things going on with my checking account at Commerce Bank. I deposited a check on XX/XX/19 for {$840.00} and had planned to pay some pretty urgent bills with it, only to get told after I deposited it that there was some kind of hold placed on my account that wouldnt allow me access to the funds for 7 business days, which actually would be roughly 2 weeks because of how the days fall on the calendar. I didnt understand that and was not aware of this banks policy on that kind of stuff, so the clerk that helped me said shed talk to her manager to see about getting that hold lifted. A few minutes later, she called and said that wasnt possible because Ive had too many overdrafts in the past. I totally understand if thats this banks policy, but I was not warned about this and I recently deposited a check the previous week and was not told about this. This makes it EXTREMELY tough for me to avoid future overdrafts because my funds are being kept from me to be able to pay some bills on time. I have to imagine SOMEONE there sees how counterproductive that is to customers, like me, who have had some financial struggles and are trying to make sure they dont happen again in the future. It is not fun to pay {$37.00} extra dollars in fees to overdraft and its only hurting me, so to not allow me to have access to money made out to me to keep overdrafts from happening makes absolutely no sense. Had I had some kind of warning about that in the past, I couldve tried my best to fix that issue, but today is the first of me hearing of that. I then called and spoke to an assistant branch manager, since the actual ones were too busy to deal with their customers urgent needs, and asked if I could have some kind of letter sent to me that explains these policies so I could better understand them and make sure they didnt happen in the future and she said no, that was not possible. The refusal to provide customers with important information that helps them stay financially responsible is just wrong and shows that the bank likely doesn't have an actual policy on placing holds on people 's accounts. They do so arbitrarily without taking the time to talk to customers and figure out the circumstances. Up until today, I had no problems with Commerce Bank and appreciated everything that had been done for me over the years. I have no idea how long Ive been an actual customer, but todays treatment definitely has me considering other banks. I dont ask for much, I dont ask for handouts, and I have never asked for special treatment, but I would think in these extenuating circumstances when Im trying to tidy up my financial issues so that I dont cost myself overdraft fees that someone at this bank would understand that, show some care, and help their customers. That was not the case today and its disappointing.
06/25/2019	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	KS 662XX	Web	Servicemember
This complaint was originally submitted to FDIC as Case # XXXX. XXXX ( XXXX ) explained the complaint was not listed in the CFPB database because it was forwarded to CFPB. I'm re-submitting my complaint because some of the information was re-arranged and cut-out when it was forwarded by FDIC. I also want to ensure this complaint is listed in the CFPB database. I want to report potential fraudulent activity by Commerce Bank in connection with a promotional offer to receive {$300.00} for opening a CommerceRelationship Checking Account. I discovered the offer after viewing an online advertisement. The URL for the offer was XXXX XXXX XXXX XXXX XXXX XXXX .... This page was likely removed because a search indicates " Page not found ''. One case of potential fraud involves an invalid promotion code issued by a Commerce Bank representative. After viewing the advertisement, I contacted a Commerce Bank representative at XXXX and requested the promo code mentioned in the advertisement. The representative gave me the code, XXXX. I read the code back to the representative for confirmation. I entered my personal information in an online application. Next, I received a signature card with account number XXXX. I visited a local branch at XXXX and XXXX in XXXX XXXX to fund the account. After I provided the code to a branch representative, he informed me the code was not valid. I'm concerned the representative knowingly provided an invalid code. The representative may have been motivated by an incentive similar to the XXXX XXXX scandal. I'm also concerned the code was given to me in order for Commerce Bank to collect my personal information for their use. Another case of potential fraud may involve Commerce Bank efforts to target consumers who are unable to maintain minimum balance requirements to avoid a $ XXXX monthly fees. I suggest bank regulators investigate the target audience for this promotion and determine if they are likely candidates for being assessed fees. Commerce Bank responded to my complaint, however I believe their response is inaccurate and misleading. In their response, they noted the account was closed, however I continue receiving email correspondence from Commerce Bank to provide information and to fund the account. Since the complaint information forwarded by FDIC appears to be dis-organized, CFPB may want to re-open this inquiry open and re-submit the correct information to Commerce Bank. Attachments include : 1 ) Image of the online advertisement. 2 ) Commerce Bank Contact information. 3 ) PC Browsing history. 4 ) Email Correspondence from Commerce Bank.
07/12/2017	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	MO 631XX	Web
I recently received a mailing from Commerce Bank that stated " {$300.00} cash bonus for opening a new Commerce Bank checking account, when you establish a recurring {$500.00} minimum direct deposit, with two deposits within the first 90 days. '' I opened the account within the allotted time period and followed every procedure as requested. My statements show the repeated direct deposits. Initially I had a very hard time just getting online, it took several weeks to fix a glitch in their system just so I could view my account online even though it was funded the day I opened the account. After two months or so I asked when the deposit would be made, they said after the account had been opened for 90 days. During this time period I had a hard time logging in so I called the online banking and asked what the problem was. They said that since I had written a check for all the funds in the account to another bank they had closed the account but it was automatically reopened on my next direct deposit. I asked the customer service representative why they never told me that they would close an account when a balance reached XXXX. I have had accounts at dozens of separate banks over the years and never had any of them close an account because of a XXXX balance and that I should have been informed of such a policy. I also asked if it would affect the bonus I was promised and the individual said no, it would not affect the bonus and I would still receive it. I called back again in XXXX and was told that I would be paid in during the third week in XXXX. I called after the third week in XXXX and was told it would be after the end of XXXX. Still there was no {$300.00} bonus. I called the bank branch I opened the account with directly again in XXXX and the lady I spoke with said she would research why there was a problem and contact me again. She called me back and said they input the bonus code wrong when I originally opened the account but said they had fixed the problem and I would see my bonus within a week. I received a phone call today, XXXX XXXX and was told there was no bonus because the account balance had gone to XXXX at some point. I stated that this was never a requirement, the only thing was that there be {$500.00} or more in monthly direct deposits. I asked to speak to a manger but was told he was busy and he would call me back. I waited all day and never received a phone call. Dealing with this bank has been a nightmare, all I want is what they promised me, the {$300.00} bonus.
03/04/2017	Yes	Bank account or service Checking account	Problems caused by my funds being low	KS 66049	Web
I do n't understand how my bank calculates low-balances. In XX/XX/XXXX, Commerce Bank in XXXX, Kansas took a third of my paycheck based upon " low balance. '' They do this every couple of months or so. This last time they charged me XXXX separate fees of {$36.00} each for a " low-balance ''. My balance never went below XXXX, and when I went back through the account to try to understand their math. I noticed that the " payable balance '' on any given date sometimes had holds based upon transactions that actually occurred one or more days AFTER the transaction that generated the running balance. I also noticed that some transactions that were shown as " holds '' never got paid. For example, there was a transaction for {$8.00} that appeared on a list of holds that was used by the bank to lower my payable balance and levy overdraft fees, but that amount never ended up coming out of my account. It just disappeared.When I tried to go back and find these items later, they had disappeared or the dates made sense. But I KNEW I had not imagined it. This month I have been keeping an eye out and I today I see an example. This XXXX is for XXXX. I got paid on XX/XX/XXXX. They always do this just before I 'm about to get paid. I 've attached XXXX files. XXXX shows a Running Balance for XXXX and XXXX shows the Payable Balance for XX/XX/2017 that you can get to by clicking on that Running Balance. The running balance for XX/XX/2017 shows XXXX holds. XXXX of holds is for {$6.00} and shows a transaction date of XX/XX/2017 but the actual transaction did not occur until the next day, XX/XX/XXXX. On the holds page the transaction date is shown as XX/XX/XXXX, but did not actually occur until XX/XX/XXXX. Can someone explain why it is dated XX/XX/XXXX on the payable balance page? What does the transaction date refer to in this context? Clearly it does not mean the date that the held transaction took place. Can someone explain to me what is going on here? How is it legal for the bank to jump forward and backward in time this way? And what about transactions that lower my payable balance such that I have to pay a fee, but then the transactions never actually get paid? Why do some transactions just disappear? I just want to understand the math here. Remember -- they are doing this to me without my bank balance ever going below XXXX. Without a better understanding I ca n't see how I can use this banks debit card, and without the debit card, why use this bank at all?
01/04/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	WA 98116	Web
I experienced several problems while doing business with Commerce Bank over the past few months. 1 ) I was not able to access my full account number online, or over the phone. I was informed that the ONLY way to access my full account number was to visit one of their branches, which are located in a small part of the USA, near XXXX XXXX. I was and am still out of state and unable to visit a local branch, and therefore, could not use the bank 's services. My access to my funds in the checking account was limited due to my inability to gain access to my full account number - the bank 's website only provides the last 4 digits of the account number. This hindered my ability to pay bills on time, resulting in negative financial consequences for me and my family. 2 ) I was limited to sending only {$250.00} at a time using ACH, which hindered me from withdrawing my money from this checking account for an extended period of time. At this time, I had already decided to stop using Commerce bank for my banking needs, and intended to withdraw my money from the account. 3 ) I was unable to withdraw the final {$100.00} from my checking account via ACH. I spoke with a Commerce Bank CSR, who informed me that to close my account and access my money, I would have to have a {$0.00} balance in my account. Withdrawing my money in person was NOT an option as I 'm out of state, and it was NOT an option via ACH. Thus, not knowing what else to do, and wanting to end my banking relationship with Commerce Bank and withdraw my money, I did n't see any other way of withdrawing my money other than using my debit card for a purchase I did not need. Withdrawing the money at an ATM would have resulted in fees and not being able to withdraw my account to {$0.00}, as ATM machines can not dispense XXXX cents, and thus I would not be able to bring my balance down to {$0.00} in order to close my account. I ended up purchasing an XXXX gift card on XXXX in the amount of {$100.00} in order to bring my balance down to {$0.00}. During my relationship with Commerce Bank, I felt my money was trapped and illegally held by Commerce Bank, and my access to my money restricted by the bank 's rules. This has resulted in negative financial consequences for me and my family, and thus, I would like this matter looked into, and Commerce Bank 's practices investigated in order for this to never happen to any other person.
08/05/2022	Yes	Checking or savings account Checking account	Managing an account Banking errors	MO 63125	Web
I received an offer from Commerce Bank in XX/XX/2022 ( Promo code XXXX ) to open a checking account with minimum of {$2500.00}, use card 10 times, auto deposit set up and receive {$700.00} bonus on XX/XX/2022. I opened my account in XX/XX/2022 with {$5000.00}. I set up auto pay, used the card and met all of the fine print requirements. However, on XX/XX/2022, I did not receive my {$700.00} bonus as promised. I contacted the XXXX XXXX branch and was told that there was a glitch due to the holiday weekend ( XXXX of XXXX ) but that my bonus would be deposited in the next 5-7 days. Those 7 days came and went, still no bonus received. I again contacted XXXX XXXX branch supervisor and he said it would be deposited in 3-5 days to be patient. Those days came and went, still no deposit. Last week I went in person to the XXXX location and spoke to XXXX, she assured me that there was a form she needed to fill out and that I would receive my money with 7 days. She gave me the confirmation page that she submitted the form and her business card to make sure I had a direct contact since I had so many issues getting ahold of anyone previously. However, those 3 days later, I receive a voicemail from XXXX saying that she needed proof I was on Commerce mailing list and needed a picture or original flyer sent to me. I sent her a picture of the offer with the promo code via email and then she said she needed the original document with my name on it to prove it was sent to me and then refused to respond to any further emails. I again went down to the XXXX branch today and this time spoke to XXXX, she stated that unfortunately without the original flyer ( which was sent to me 6 months ago ) that the decision has been made and I will not be receiving the {$700.00} bonus. I feel that if the original flyer is required then it should be requested at time the account is open, not 6 months later, after the bank has held my money for the entire time. If only the people on the mailing list are eligible for this promotion, then perhaps the account should not have been allowed to be opened with that promo code to begin with. If i'm not on the mailing list, why did I receive the mailer? and why didnt the other 5 employees see that I wasnt on the mailing list and why did they tell me that I would be receiving the bonus is 3-5, or 5-7 days etc?
09/25/2023	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	CO 812XX	Web
I purchased a vehicle in XXXX XXXX XXXX through Commerce Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The dealership where I purchased the car did not put the transmission plug back in the vehicle there for after many months driving with no tranny fluid, the car blew up. Dealership would not take responsibility since I bought " as is '' and eventually I had to let the car go " repossession '' as I could not afford to fix the car, it was cheaper to just find another car Commerce Bank contacted me only one time ( right after taking the car back ) and told me they were just closing the account because they could sell it at auction for close to what I owed and that nothing further needed to be done, and I believed them as nothing came up on my credit this entire time. I do not remember who I spoke with since this was so so so long ago, Seven years ago! Fast forward seven years ( and two paid off cars later, I am not sure how I got loans for those two vehicles no problem! ) I went to go by a newer car and got denied because all of a sudden the car from Commerce Bank in XXXX is now " charged off ''. I was NEVER contacted by phone or mail that this was happening and that they were selling the loan to a debit collector and that I now owed money. I was never even contacted by a debit collector that I needed to pay it ( when you pull my report it doesn't even say who I need to contact debit collection wise to get it taken care of, just says unknown so I cant even name who else is involved ). I had no idea about this until I was trying to purchase another car just last week and it happen to show up on my report the day I put an application in. Seems suspicious and weird to me that after SEVEN years it is now all of a sudden there, when I was told it was taken care of. I do not agree with this and feel this is very unfair! I should have been contacted within a week after Commerce Bank took back the car and decided the car was going to be charge off not just closed. Its been many years! I has been SEVEN years since I let that car go! Had they contacted me in a timely manner I could have tried to make a payment plan with the debit collectors or something, now I can not as I need a gas saving car. But seven years ago I could have handled this Thank you for your time and attention to this matter
02/24/2023	Yes	Checking or savings account Other banking product or service	Problem caused by your funds being low Overdrafts and overdraft fees	KS 66062	Web
Commerce Bank has a feature in their app and on their website that allows consumers to receive notifications ( via email and notification pushes on their phone ) when their balance falls below a set amount. I have had this amount set to {$150.00} so I can be notified when my account balance is low. This feature has only worked one time for me. Commerce Bank even contacted me and indicated their system was having errors pushing notifications to consumers ' phones through this feature and they were trying to fix the issue. I never received a confirmation that the issue was resolved. That being said, I have been on hold through live chat or on the phone for over 10 hours combined to notify them that this feature still isn't working correctly. I even turned the feature off and back on again. Additionally, I have had several overdraft notifications due to this tech error. The overdraft placed the negative amount on my Commerce Visa to the nearest {$50.00} increment along with a {$10.00} fee. For example, if my account dropped to XXXX, I would not receive the notification that it was below my set {$150.00} balance and my Commerce Visa would be charged {$150.00} + {$10.00} to cover the overdraft. In the most recent occurrence of this happening, I had a balance transfer in to cover a negative balance on my account, but this was also followed by the overdraft protection. I addressed this with Commerce customer service and asked that the overdraft be reversed since it came the same day as my outside transfer deposit. The representative told me that they would put in the request to have it reversed as I did my due diligence to make sure the negative balance was covered. They stated that a cash advance would be put on my credit card to cover the overdraft. This cash advance did not occur. When I contacted Commerce customer service again, they said that the request was denied and the bank stated it was not their fault but rather mine. I reported, again, that the low balance feature is not working correctly, even when email notifications are turned on for it. I have checked my spam folder and made sure my notifications for the application are on multiple times. I have attached a message sent to me regarding Commerce Bank acknowledging the technical Iissue with notifications.
07/13/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	MO 63129	Web	Older American, Servicemember
Opened an account on XXXX and by XX/XX/21 over {$20000.00} was drained from my account. no one called me or put fraud alert that two companies had emptied my account. Finally got a call from XXXX in XXXX XXXX, who began asking me questions. I have been undergoing ID theft since XXXX and quite honestly, I was on another call before she called, and I don't recall what she asked or how I responded. I called back several days later to XXXX and she said I had answered a security question wrongly and my account was frozen, and my money would not be returned. I received an UNLOCKED DEBIT card two weeks after opening the accounts and the thief had already emptied by account of over {$20000.00}. Over a period of less than one week, i had attempted 13 calls for a total of nearly 10 hours on hold. Outwaited, your hold system and got XXXX and her supervisor XXXX, and once again, the money was refused and I asked for his supervisor, who was unavailable but promised a return call after lunch. NO CALL. I then contacted XXXX XXXX for assistance. She was out but left in her message another contact. I contacted XXXX and she promised help, but no one called. The bank has XXXX XXXX of mine and refuses to return it over a misunderstood or confusing SURPRISE CALL from and underling. In total, I have called commerce 13 times, spoken to 16 people, experience three bad transfers resulting in a hang up. Today 's phone hold time was 1 hours and 10 minutes, only to be disconnected. In total, my phone time has been just short of 10 hours over a week and a half. On my attorneys advice, I have contacted the XXXX police, Postal Inspector, FBI and the FTC. This is culminating in undue hardship and destroying a credit rating which was 820! I have locked all credit bureau on legal advice. Reiterating, two weeks after opening these accounts, a debit card finally arrived and was unlocked. {$20000.00} + was taken from my accounts without a warning from the bank after alerts had been set. Mine accounts are now unlocked due to my inability to enter my accounts. Should the thieves want more, I guess it is available to them but not me. Since then, I have left messages for a bank Officer and many other calls to Security. None have been returned.
09/24/2021	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	IL 60652	Web
On XX/XX/2021, I opened an account with Commerce Bank and while signing up I used promo code XXXX to receive a {$500.00} sign up bonus, but I never received the promotional bonus. The terms indicated : Here 's how to get your {$500.00} bonus! XXXX. New customers only : Click Apply Online button to open a Commerce Relationship Checking account with {$100.00} by XX/XX/2021. 2. Make 10 debit card purchases within 60 days. 3. Have at least {$2500.00} in your account at the end of daily processing 60 days after account opening 4. Watch for your bonus coming to you! On XX/XX/2021, I sent a secure message requesting the status of my bonus. On XX/XX/2021, I called Commerce Bank and I was told I would be paid the bonus on XX/XX/2021. On XX/XX/2021, I called Commerce Bank and I was told that the promotion was for Kansas residents only. I indicated that I had the flyer that did not indicate the promotion was for Kansas residents only. The representatives indicated she would send the information to the research team and get back to me. On XX/XX/2021, I received a call from Commerce Bank indicating they researched the issue and will not be paying the bonus because the promotion was only for Kansas residents. I asked the representative If I could email here the flyer that I received, and she told me there was no way she could receive emails. I asked the representative that I would like to file a complaint. The representative took down my complaint and indicated I would receive a call back. On XX/XX/2021, I received an email from XXXX XXXX indicating that the promotion was for residents of XXXX Kansas and Commerce Bank would not honor the bonus. On XX/XX/2021, I sent XXXX XXXX a copy of the promotion that I received that did not indicate anything about a residency requirement. On XX/XX/2021, I sent a follow up email to XXXX XXXX XXXX to ask if she read my response and if Commerce Bank would be honoring the bonus after reviewing the documents, I emailed her. I have yet to hear back from XXXX XXXX XXXX or anyone else from Commerce Bank. After reviewing my documents, I would like Commerce Bank to honor its promotional bonus as I have met all the requirements to receive the bonus. Thank you, XXXX XXXX
04/13/2018	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	IL 605XX	Web
On XX/XX/XXXX I called Commerce Bank regarding their attached promotion, Check300, '' Get up to {$300.00} for opening a CommerceRelationship Checking account + a Money Market account1. '', and asked their representative if I could open the Checking account online and receive the bonus, and she asked me what state I lived in and told me that if I opened it by XX/XX/XXXX, I would receive {$200.00} as long as my account was in good standing for 90 days after opening, but if I wanted the {$300.00} bonus I would also need to open a Money Market Account in the Branch. I told her there wasn't a Branch close by, and I was only interested in opening the checking account, and asked her if there was any fees to the checking account, and she said there is a $ XXXX monthly fee that is waived if you have {$5000.00} avg. daily balance. I then opened the account, and called in after 90 days asked why my {$200.00} bonus had not been received, and the representative asked my account number and after checking I was told that the {$200.00} would not be deposited until after 3 full statement cycles. On XX/XX/XXXX, I still had not received the Bonus and called back again, and spoke with XXXX who verified me and said she would check with those responsible for the Bonus and call me back tomorrow. Not receiving the promised call, I called back on XX/XX/XXXX, and was told that they did not get a response to the email that was sent to the Bonus dept. and they would check with them and call me back tomorrow. Not receiving the promised call, I called back onXX/XX/XXXX, and asked for a Supervisor and spoke with XXXX who asked me in detail about the online bonus offer I accepted and apologized, gave me her phone # XXXX, and said she would make sure she had an answer for me if I could wait until XX/XX/XXXX, and she would call me early. She called, and said the Bonus Dept. wanted to know if I got a personal letter or email invite for the Bonus offer, and I told XXXX that as I previously told her I called in regarding the online offer, and confirmed that I was receive it. She said she would get back to me tomorrow. I did not hear from XXXX and put a call to her Voicemail yesterday, and still no response.
08/19/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	TN 37221	Web
I contacted Commerce Bank multiple times in the months of XXXX and XXXX to speak with a representative regarding my Covid-19 pandemic related financial hardship. I was only ever able to get in contact with a collections agent, and that individual refused to let me speak with anyone else. I was told multiple times that a manager or supervisor would return my call, buy nobody ever has. The collections agent, who was not a manager or supervisor, was not willing or able to help me with my account. I was attempting to request additional financial relief, as Commerce Bank had previously extended me a period of payment deferral in regards to the Covid-19 financial hardship. I have also been experiencing hardship as a result of living in a FEMA Designated Disaster Area from a Tornado that occurred at the beginning of the Covid-19 outbreak. I was calling Commerce Bank to request an extension of the deferral, or explore any other options they might have had for a person in my position. Unfortunately, they do not appear to be staffed to handle consumer issues in a manner compliant with federal banking regulations. Additionally, the terms of my original payment deferral period was supposed to extend through the month of XXXX, but either this was not honored or I was improperly informed as to the length of the original deferment, as it appears to have ended in XXXX. Consequently, Commerce bank has engaged in negative credit reporting. I have tried to contact them to get this corrected, because it is not fair to hold me accountable to terms that are different than what I originally agreed to when the deferral was offered to me. I do not think it is unreasonable for me to be requesting a payment deferral in light of the current economic crisis, and the banking industry is largely in agreement with me, as evidenced by the much more generous terms that have been extended to me on accounts I have with other major financial institutions. I also think it is very problematic for a company to not even be willing to discuss the situation with me, this is very unreasonable, and probably illegal in the financial services industry.
04/01/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MO 63119	Web
My name is XXXX XXXX XXXX XXXX, I had a first mortgage through XXXX at XXXX time that was sold to XXXX XXXX. I paid and was current with XXXX. I had a anytime line with XXXX Mortgage of XXXX through commerce Bank in which I paid down to {$26000.00}. Commerce foreclosed on my second. I had a summons on XXXX/XXXX/2015 which I went appeared to show and let the attorney for Commerce know and see the agreement and the payment that was already accepted. She did not know that my XXXX was with XXXX and that I was current on my XXXX mortgage, neither aware of my agreement to pay back commerce. So she continue the case to XXXX/XXXX/2015 in which I appeared. She told me she had good news and bad news. The good was that commerce was giving me back {$160.00} that I paid on the agreement with XXXX XXXX and the they were going to continue put me out my home and pay off my XXXX. I was devastated and dismayed to hear this. She continued the case until XXXX/XXXX/2015. I went back home to call my XXXX and they told me what they have been telling me for the last 4 months that as long as i was current with my XXXX that they would not allow anyone to purchase my XXXX mortgage. I hung up to access my account with XXXX online to not being able to, so i called XXXX back and while the attendant was helping me she discoverd that my loan was paid off as of XXXX/XXXX/2015. Told me commerce sent payments on XXXX/XXXX/2015, XXXX/XXXX/2015 and XXXX/XXXX/2015. I immediately contacted the vice president office to say to them what I am writing now. XXXX XXXX told me she would have someone contact me concerning this and that was not how Commerce operates. I get a call from a complaint person who calls me basically to tell me the home has been foreclose and that commerce purchase my XXXX. This process has not been handled correctly and now I am forced to get the media and a attorney involved. I want my home and made every effort in obtaining an agreement with commerce and also keeping my XXXX mortgage in good standing. I am attaching my XXXX mortgage document and agreement I had with XXXX XXXX. I want to resolve this and keep my home
11/24/2015	Yes	Bank account or service Checking account	Problems caused by my funds being low	MO 64119	Web
I have a checking account through Commerce Bank. In XX/XX/XXXX, we had to make 2 house payments to prepare for a refinance. I knew there was a chance of an overdraft, but was hoping I would have deposits in time to cover it. I 'm self employed and usually can make deposits every MOnday and Friday. My husband has his paychecks come as direct deposits 2 Fridays a month. So, deposits are continually coming in. Unfortunately we overdrafted. However, I was stunned to find out making a deposit in the drive through XXXX XXXX, 2015 that they were going to start putting a 7 day business day hold on my deposits. This would effect EVERY check we had out as overdraft fees piled up. As of that day fees would total {$460.00}, butthey then returned checks on XXXX XXXX and incurred an extra {$36.00} then XXXX XXXX for {$36.00} and XXXX XXXX for {$36.00} and I 'm assuming today they will return the XXXX debit purchases which will cost me {$36.00} plus XXXX deducts an additional {$25.00}. This is effecting my families ability to purchase things for XXXX. It 's put our family under a HUGE financial strain. The local branch told me they could n't lift the hold so I wrote a letter to Corporate on XXXX XXXX, but got no response which is frustrating. I could understand the " hold '' if deposits we made bounced, but that has NEVER happened! I can NOT change banks because of direct deposits and the hassles of changing other bills. I currently ca n't pay my water, gas or electric bill nor buy food for XXXX. I 'm completely devastated because the money is THERE, but they wo n't allow us to use it. And I 'm frustrated because those checks have already cleared the accounts form the people who wrote them to us. So, Commerce has the money but wo n't let us use it and is acquiring MULTIPLE overdraft fees in the meantime. Plus, I now have to pay fees with companies like our XXXX XXXX car loan check that they returned XXXX XXXX. Money was there to cover it and they charged me overdraft fees TWICE on it and I 'll have a fee with XXXX XXXX as well as a late payment now documented on my account.
10/17/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 28405	Web
On XXXX XXXX XXXX XXXX XXXX XXXX and opened a joint account with my son who has a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was attempting to help him with his money and bills. I explained to the account rep i would be primary in North Carolina and needed a debit card sent to me ASAP! I called for 2 weeks solid and was told the debit card was on its way. It was a lie all along. They never sent it to me they mailed both to the XXXX XXXX my son lived in. Before i could get registered, they refused to help me from NC! My son was extorted and robbed for around XXXX. Once i got help from Manager and got logged in to account, i seen a ton of fraud! I told them it was all fraud and to shut down the card. They never asked about 3 different people XXXX XXXX XXXX XXXX XXXX XXXX! I constantly reported it. My son told them he fidnt authorize snd that they were taking his phone and transferring money. They refused to stop the financial abuse and kept the account open until it was completely gone. All in all, my son had his money stolen, his wallet and phone, his car stolen that he just bought that day and they murdered him. Yes my son was murdered and commerce bank allowed the abuse for weeks!! They did not want to refund any but did refund like XXXX because the thugs were still taking money as he was incapacitated. I contacted fraud in XXXX XXXX to request help after the branch manager was unable to do much of anything. I also have a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX who used his XXXX XXXX multiple times each. As many as 25 times in a week or so. Its on his statements. They were also attempting to take money out if other apps while he was on life support These are nasty animals. They also storle all his clothing, belongings, phone, money, and car Then they killed him. Disgusting filth Commerce is at fault for refusing to listen to s mother trying to help her son to keep from being taken advantage of by these filthy animals. Im missing XXXX XXXX XXXX XXXX XXXX and these fools busy kept giving his money put for weeks
09/27/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TX 75040	Web
For the past 9+ years I have maintained an exemplary standing with my Commerce Bank Visa credit card account. In the past 1-2 years I added my granddaughter and a couple of nieces as authorized users. On XX/XX/XXXX of 2021 I called to remove my granddaughter, XXXX XXXX from the account. 1 ) adds can be made online but I was told that deletions could not be completed by phone or online, instead a form would be mailed. A form was mailed, however, the wrong form was sent to me ( it was a form to add an additional user instead of the promised deletion form ). 2 ) On XXXX the representative advised that while waiting for the deletion form, he would close my entire account and reissue a card to me alone ( which he did ). 3 ) On XXXX I paid the total account balance of XXXX dollar to bring my account to zero. After the closure of my account and new credit card number being issued, my granddaughter continued to use her XXXX card ( which was linked to both her XXXX XXXX bank account and her old, closed Commerce account ). Commerce transferred charges after XXXX from XXXX 's old, closed credit card to my brand new credit card without authorization. To my surprise, I logged on and found additional charges along with a late fee for unexpected charges. The 1st two reps that I spoke to admitted that there was a breakdown in their internal controls that allowed XXXX charges linked to an old, closed account to be transferred to my new account, however, Commerce fraud review representative came back and said that i was still liable even though 1 ) the prior account was closed 2 ) the new account only issued a card to me alone 3 ) Commerce had not provided the form necessary to remove anyone ( supposedly closing the old account was the solution- this can be heard on the phone transcript that Commerce refuses to provide me a copy of ). The XXXX charges made after XXXX are the responsibility of Commerce , not me. They failed to provide a way for me to remove users so they instead closed my account to avoid unwanted charges.
01/08/2018	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	CO 80203	Web
I opened a new checking account on XX/XX/XXXX under a {$200.00} promotional offer using the following link, https : //commercebank.com/XXXX, and used offer code " XXXX ''. I deposited {$100.00} into the account which posted on XX/XX/XXXX and then maintained a greater-than- {$100.00} balance in the account the entire time I 've held it ( transaction history attached ). Per the terms of the offer ( attached ), I should have received the {$200.00} promotional incentive after 90 days. Today, XX/XX/XXXX, marks 139 days since I opened the account and I have not received the promotion. I have contacted Commerce Bank through their Secure Message portal twice ( documents attached ) regarding this promotion ; first on XX/XX/XXXX being told that I should receive the {$200.00} in mid-XX/XX/XXXX and the second time on XX/XX/XXXX was told I would have received the bonus 90 days after account opening if the requirements were met. I called their Customer Service number, XXXX, on XX/XX/XXXX and was told I needed to maintain a balance of {$5000.00} in the account to earn the promotion, which is not consistent with the terms. After requesting to speak with a supervisor, the agent was unable to locate one and believed all had left for the holiday weekend. The representative then transferred me to their nearest branch to me so I could speak with the local bank manager, however, he had gone home for the weekend as well. I spoke with a local banker who submitted a form on my behalf to look into the issue. After following up on XX/XX/XXXX, I finally received a call back today, XX/XX/XXXX, and was told that because I did n't deposit {$100.00} at account opening, I was n't eligible. This is not clear from the terms, which states, " Minimum balance requirement of {$100.00} in CommerceRelationship Checking to receive the {$200.00} bonus. '' With the posting of my opening deposit of {$100.00}, I have maintained a minimum balance of > {$100.00} for the entire time the account has been opened in accordance with the terms.
02/23/2018	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 95973	Web
In XX/XX/2017 I relocated from XXXX to XXXX and as a result needed to close my Commerce Bank checking account. I contacted their call center and advised of my move. The representative informed me that she would notate the account, but since my account had a small balance, I would have to contact the local branch to get arrangements for a check to be sent. I was given a phone number and called multiple times leaving voicemails. The following XX/XX/XXXX, I checked my account online to ensure it was closed as I was never contacted back. I noticed two fraudulent charges on my account. I immediately contacted Commerce Bank and reported the fraud. I was told by the call center that because my account was closed, I would need to contact the local branch. I was again given a phone number to a local branch, called the number and left voicemails as no one would answer. I was never contacted back. Additionally, I emailed Commerce Bank and reported the fraud on my account. I was given different phone numbers to call. I tried these numbers with the same result. I was informed that my information was sent to the local branch for them to contact me. I was never contacted. A week ago, I advised Commerce Bank that if the issue was not resolved in one week I would be filing a complaint. This time my information was forwarded to the local branch. The branch manager called me while I was at work and left a message. I have called her number 3 times, left voicemails, and advised of specific times I can be contacted to avoid issues during my work hours. Each time I miss a call from Commerce and return the call, it goes straight to voicemail and we have still not been in contact. This issue has gone on far too long at this point. This is a Regulation E violation as my report of fraudulent debit should have been investigated within 10 days. I have copies of all emails I have sent along with phone longs documenting the numerous times I have contacted Commerce Bank.
02/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 620XX	Web
I have repeatedly disputed an account with Commerce Bank due to identity theft and fraud. I provided an FTC Identity theft report on XX/XX/XXXX and requested protection under the 4-day blocking rule. Commerce Bank has been exceptionally rude about this situation. They are very well aware they are operating outside of the laws. Further, this account lists 24 months of late payments yet the last payment was XX/XX/XXXX. 12 months is not 24. All Commerce Bank has attempted to twist my own words against me. They have continually failed to perform a competent investigation. I requested supporting documentation related to their alleged investigation and none has been provided. In addition, On XXXX Commerce Bank received a debt validation letter. They were even notified after a week that no response had come. Now it is beyond the 30-day requirement for a response. CB has failed to respond to this formal legal demand. CB is still reporting this debt to XXXX knowing it is invalid, illegal, and disputed to the fullest extent. They have no issues breaking the laws. I spoke with a representative named XXXX XXXX today on XXXX. I asked, " How do I get legal compliance? '' XXXX XXXX said, " You don't. '' I said, " May I quote you on that? '' She replied, " Yes. '' Am I the only one who finds that completely rude, illegal, and unprofessional? XXXX XXXX and Commerce Bank need a serious reality check. They are not above the law as they believe. I am requesting this invalid information removed from my report immediately. Attached please find the FTC identity theft affidavit and debt validation letter. They are dated XX/XX/XXXX and XX/XX/XXXX. If CB wanted to continue to post invalid information they should have made an attempt at validating this debt as required by law. CB 's time is up. I have shown more than sufficient proof of why this debt needs to be deleted to be in compliance with the laws.
03/01/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	MO XXXXX	Web	Older American
Commerce Bank of XXXX XXXX sent to me, a replacement for my Visa Card which included a chip. It also included a debit feature which I did not request. I have used this card many times and sometimes, even though I specifically instruct the vendor to run it solely as a credit purchase, Commerce Bank treats it as a debit purchase which they deduct from my checking account without my knowledge or consent. Each vendor informs me that the vendor can not run it as a debit transaction without a pin number, which I don't have or use, therefore the vendor assumes it to be a credit purchase. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX, credit transactions were processed by Commerce as debit transactions without my knowledge or consent. After reviewing my statements and discovering these inappropriate transactions, I have contacted Commerce customer service and again, about XX/XX/XXXX, I appeared at the local branch to, again, inquire about these transactions. Each time the customer representative says that they have put in a request to remove the debit feature and each time it doesn't happen. I also sent to them, an email on their customer service page and got no response. I specifically told them that if they did not remove the debit feature, I would file a complaint, again, no response. Please process. On another issue, sometime last year, I visited my local branch and told the representative I was contemplating obtaining a credit card from another vendor because I wasn't getting any benefits like points. The representative informed me that I should have been getting points and when I told her I wasn't, she looked into it and now I'm getting them. Points awards should have been awarded retroactively to the time where points began to be awarded, I shouldn't have to inquire about benefits like points. Please process. DR
12/13/2018	Yes	Checking or savings account Savings account	Managing an account Banking errors	MO 64081	Web
My wife and I do all of our banking through Commerce Bank and have for 20+ years. We have multiple accounts held with Commerce, including a savings account that was setup many years ago for one of our children. Given that my child is a minor, my wife was/is setup as the custodial on his account. We placed roughly {$1000.00} in the account many years ago and have left it alone as a savings account for our child. We receive the monthly statements on the account. After reviewing the most recent statement, we discovered that the entire balance was unknowingly transferred to the state of Missouri. We received no correspondence whatsoever before this action was taken ( no email, letters, or phone calls ). Commerce Bank simply decided that because there hadn't been any activity on the account for some time that they would just send all funds to the state without providing us any notice. I'm very upset about this. Our address was correct on the account and we have been long-time loyal customers of Commerce. Further, all of our other accounts were actively being used, so Commerce had all of our current contact info on file. Finally, at no time were we contacted before this ridiculous action was taken. When I called, I was told " sorry, that's just the normal process when an account goes dormant and we can not locate you ''. Yet, Commerce was not able or willing to provide a copy of any of the correspondence that they supposedly sent to us regarding the dormant account. As a result, I now have to go through the state of Missouri 's process to get my own money back, likely incurring fees. I think it's only fair that the money that was sent to the state be placed back into my account and that I be compensated for my time and hassle of what appears to be a very poor practice by a well respected community bank.
12/03/2020	Yes	Checking or savings account Checking account	Managing an account Fee problem	MO 63116	Web
I had an account with Commerce Bank. I decided to change automatic payments from that account to a different account at a different bank. Due to timing the payments hit the Commerce Bank account when it had no funds in it. I had already set up the outside accounts to be paid to the new account but again, timing didn't work out. Instead of returning the payments, Commerce forced the payments through. What is strange is that they had returned them at one point and then when the company tried again, Commerce forced it through. When opening the account, I opted out of any overdraft protection the bank offered so those charged should not have been honored and returned by the bank. Since the payments were forced through by Commerce Bank and my outside company account was paid, I offered to pay the amount the account had gone overdrawn as a result. I refuse to pay for the fees because the payments should not have been forced through by Commerce Bank. I have intermittently tried over the last 4+ years to talk to a branch manager to waive the fees so I could pay the outstanding balance. I have been denied every time. I tried again today and was told the fees can't be waived now because it's been too long. I was also fed a line about the payments being a different kind of ACH so that's why they got forced through. I happen to know that is not true and do not appreciate the lie. I will gladly pay the outstanding balance but will not pay the fees. Their error has cost me the ability to open accounts at other banks. Fortunately, I opened one before this issue hit XXXX so I have a functioning account but this shouldn't stop me from being the responsible consumer I am. The amount I believe I should be liable for is {$83.00}. I would need Commerce to verify that though.
11/25/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	MO 631XX	Web
On XX/XX/2020, I spoke with XXXX XXXX, Senior Mortgage Banker with Commerce Bank, and discussed a loan amount we were seeking, as the bank had told us that a portion of our funds couldn't be used. I asked for direction, because the bank wanted to increase our loan by {$12000.00}, and my wife and I did not need that much of an increase. XXXX told me to send him the new loan amount I was seeking in an email and include XXXX XXXX, Premier Mortgage Processor at Commerce Bank Mortgage, as she was underwriting the loan. At this point XXXX and XXXX had already misplaced information that had been provided to them, consistently. On XX/XX/2020, after our conversation, I requested the loan amount be set to {$160000.00}. XXXX confirmed with a one-word message : " Completed. '' But the next day, XX/XX/2020 the approved loan came back with a {$1000.00} increase. That change had not been approved by the borrowers, and no explanation was given. When asked about the increase, XXXX lied and said he " had to '' increase the loan amount. Later, that lie became apparent when XXXX disclosed he needed additional documentation to meet the loan request on an account the Commerce team had neglected to include in their verification of funds, but passed the buck of their mishandling onto the borrower. Additionally, XXXX indirectly threatened to move the loan date and thus move closing, after his team had dragged their feet until the last minute to confirm details, when their error was called out. This threat showed a clear lack of fiduciary responsibility. This complaint is filed in regard to the lack of responsibility, blatant lie told, threat, and altogether malfeasance perpetrated by loan officers who have a responsibility to act in good faith.
08/26/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	AR 72450	Web	Servicemember
The last time that I had the credit card ( 4XXXX XXXX XXXX XXXX ) in my possession was after I made the monthly payment of {$160.00} on XX/XX/2020. My work associates and myself went to a lunch on XX/XX/2020 and I brought the credit card in my pant pocket in case it was my turn to buy lunch that particular day. When I returned home that day and couldn't find my card I contacted the issuing bank immediately with no resolution whatsoever. Since that exact day I have called 11 times with average wait times totaling one hour and a half - three hours and forty minutes. Most of the time I get hung up on by a third world country citizen that speaks nearly no English. They have NEVER attempted to call me back or email me back in any way. Last week I received a letter stating that a payment from an unknown source was attempted and failed to pay nearly {$600.00} in unauthorized charges. The bank did nothing to prevent the continued illegal use of my card. Instead, they are charging me {$65.00} for every attempt that the thieves make to use the card and access its funds. Now the online account associated with this card has been hacked and they REFUSE to issue a replacement card or honor the VISA 0 % LIABILITY PROTECTION POLICY. They continue to refuse to help me to this day and let criminals rack up a near {$1000.00} in illegal charges on the card. I must now go beyond CFPB and file FEDERAL and STATE charges against COMMERCE BANK and hire an attorney to bring suit. *ISSUE A REPLACEMENT CARD AND INITIATE VISA 0 % FRAUD LIABILITY ON ALL PURCHASES SINCE XX/XX/2020 AND REMOVE THE DOZENS OF FEES THAT I AS A VICTIM HAVE BEEN CHARGED BY YOUR BANK AS YOU SAT ON YOUR XXXX AND LET CRIMINALS HAVE A XXXX HAYDAY WITH MY CREDIT!!!!!!!
09/10/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	MN 55038	Web
This is a report of credit discrimination and one of the most outrageous one. Couple of months ago, I received a pre-approved letter from Commerce Bank which included a 0 % balance transfer without fees, if transfer made before XX/XX/2020. I applied for it and submitted a balance request for {$25000.00} since they indicated that if requested was more than approved they will transfer the min of the two. First they claimed that I mistook residency with citizenship and denied the application ( even though I was pre-approved ). I called and asked them how a citizen could be denied while a resident would not be. They stated that residency included citizenship. I corrected it and told them that I was a citizen. I was told I was approved after the correction for a {$10000.00} credit limit. But, later I realized that they did not do the balance transfer. They told me they mailed me the card and I could do it when I received it. I waited for over a week and did not receive a card. I called today XX/XX/2020 to inquire about the status of the card. I was surprisingly told that my application was under review. I said, I was already approved, they say but they can still deny it even though I was already approved. I told them that was illegal and what they are doing is discriminatory. Because of my wonderful credit history, I am machine approved but because of my race, I was human denied. This egregious violation of law should NOT be tolerated. I hope you will investigate and prosecute these type of credit discriminations. I know, you won't but that's fine. History will remember that I did my part reporting these discriminatory practices still in effect in the US financial industry, in 2020
06/24/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TX 762XX	Web
On XX/XX/XXXX there were 2 charges were applied to my credit card that I did not authorize. On XX/XX/XXXX there was 1 charge applied to my card that I did not authorize. I discovered these unauthorized charges during the first week of XXXX and immediately reported those to the credit card company. After they conducted their investigation, they concluded that 2 of the 3 charges were authorized and 1 was not, because that charge was removed. All I received is a generic letter, date XX/XX/XXXX stating that the claim was being denied. I immediately called them back to ask how they determined that and to let them know, again, that I did not authorize those charges but the individual handling our case was unavailable and I was told that they did not have any details on our claim and we could only speak with the investigator that conducted the investigation. They said that they would leave them notes and that they would have the investigator call me back. No call was received. I have called back multiple times but the investigator is always unavailable. I have left a message each time but they have refused to return my calls so I can ask questions, get additional information, or file an appeal of the decision. One of the charges is from a web-site called XXXX, the other is a site called XXXX. If you go to those websites they each sell exactly 9 items only. The 9 prices of the 9 totally different items are exactly the same on both web-sites ( screenshots attached ). The web-site for the fraudulent charges they agreed was unauthorized was remarkably similar : XXXX. We have not received any mail, shipments, or e-mails from any of the companies above.
07/19/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	IL 60018	Web	Older American
I spoke to the supervisor XXXX XXXX on several occasions but the last time I talked to him was on XX/XX/21 and I told him that I could not pay the amount due that they were charging me interest every month which I was not aware of because I was supposed to be on a hardship program for 3 months and I was also being charged a late fee. He told me that all of the charges would be removed because I was on the hardship from XXXX, XXXX and XXXX. The next bill was due on XX/XX/XXXX and I should be paying {$61.00}. That is what I paid. Now this month I am being charged a {$40.00} late fee again. I call XXXX XXXX and another supervisor named XXXX XXXX. None of them return my calls and I have left several voicemails. Commerce Bank called me and I explained to the lady the problem and she said she would talk to XXXX. He also told me if I went on the payment plan I would pay 2 % of the bill which would be {$140.00} a month and the card would be closed. The problem is that I was only paying {$70.00} because I had the 0 % interest and now the interest is 13.24 %. They want almost {$200.00} a month I cant pay that. I had XXXX XXXX and I had to go to a lot of XXXX and XXXX and I told them I am on a set income. I cant pay {$200.00} a month. I dont know what I can do to have someone work with me to pay a cheaper payment or have the interest or some compromise. I have to be going for appointments the rest of my life because XXXX could return anytime the doctor said. I got real skinny and I have to gain back my strength not worry about 2 people that are supposed to be supervisors but their not working with the customer or returning my calls.
07/08/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	IL 60613	Web
Commerce Bank in XXXX, Missouri, provided a commercial loan with a XXXX term and a {$90000.00} final pay off for a home as a mortgage to a XXXX senior. Then they continued to provide loans for the payoff, after making more than {$25000.00} in interest on the XXXX loan and switched it to an asset-only loan on property that had never had a mortgage while also giving over-draft fee " protection '' that pulled from a line of credit with a juicy interest rate. One specific banker, XXXX XXXX, continued this abuse and fraud, even when family members called him out on it. To the family members he said, oh, yes, you are right, that was a commercial loan and oops, I won't give more loans because " at his age, that's not appropriate '' ... ..well he continues to give him more loans, we discover, when he is XXXX and on a pension. It was for XXXX XXXX at Commerce bank to profit. We have all the written documents, phone calls and more as evidence. It's giving loans to a senior who is on a pension as if they have commercial real estate, when they don't and continuing to facilitate the unnecessary spending while allowing Commerce bank to profit from outrageous interest rates and ridiculous terms. You don't give a commercial real estate XXXX loan to someone for their home mortgage. Commerce Bank, XXXX, Missouri, facilitated the spending and collected very high interest rates by also giving a special checking account that could allow " over-drafts '' and then the over draft fees and the over draft were pulled from a line of credit - so that's credit pulling from more credit and then oh, right, they'll just write a new loan to cover it.
02/11/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	VT 05401	Web
I had applied for the commerce bank charity charge credit card on XX/XX/2020 as I have an alert on my credit report a representative from commerce bank called me to verify my identity on XX/XX/2020 asked me identifying information from my credit report to verify me I answered all answers correctly and and the woman had said I was approved for the card with a XXXX limit and my card would be sent out and arrive within 10 business days. On XX/XX/XXXX I receive a letter from commerce bank bankcard verification department thats dated XX/XX/2020 asking me for drivers license and something with my address I faxed that in and spoke to someone who states my account would be reviewed within 3 days so XX/XX/XXXX I called to check the status and got a voicemail for that department no live person again today XX/XX/XXXX I spoke to the security department and was advised to speak to bankcard verification and was also told they would email that department for me as well needless to say I have left voicemails and nobody getting back to me today on XX/XX/XXXX I called in and was told my account was closed and still nobody has yet to contact me after leaving voicemails this is a horrible business practice open and approve an account and while the card is being mailed out to you they close the account that not only hurts my credit score it looks bad on my credit report as well as it will show closed by credit grantor I have excellent credit and I dont want this effecting my credit I would like to have this card reopened as I took a hard inquiry hit on my credit file and there is no reasoning behind this decision thank you
12/15/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	KS 670XX	Web	Older American
RE : Notice of unauthorized use of my debit card for purchase of a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Order number XXXX. US {$1300.00} Total {$1400.00} I was the victim of identity theft when my XXXX and XXXX accounts were hacked XX/XX/XXXX. I did not authorize this transaction on or after this date, and I did not authorize anyone else to use my debit card in any way. The above item was sent to an address that is not mine nor was it added by me. -XXXX XXXX order was shipped by XXXX XXXXXXXX on XXXX XXXX XXXX at the XXXX address and delivered on XX/XX/XXXX. It was signed for by a resident there named, XXXX XXXX. A person unknown to me. I have followed all required protocols regarding handling disputes and claims and received no satisfaction from XXXX, XXXX or the sellers. My bank, Commerce Bank states they are not liable for the damages I have suffered since I bought another item on XXXX that same day and thus, I must have authorized the withdraw of {$1400.00}. XXXX from my bank account which caused an overdraft. Commerce Bank alleges that since the thief went through XXXX that it is not fraud. He hacked my account, used my name to ship and paid with my bank account. How is that not fraud? Commerce Bank has ignored all requests for a refund. Their entire " investigation '' consists of reading my bank statement and seeing that I made a XXXX purchase to buy a shirt that day. I have spent months trying to remedy this situation since I am on XXXX and can not afford this loss. XXXX, XXXX and the company, XXXX all claim that the bank is liable.
03/18/2019	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	OK 73120	Web
On XX/XX/2019 I opened an account with Commerce Bank for the expressed purpose of earning {$300.00} for signing up and completing requirements posted at : https : //commercebank.comXXXX. When I approached the teller, she inquired what I was at the bank for and I told her I was there to open the account for the purpose of earning the {$300.00} promotional offer. After the teller took my information and a check for {$5000.00}, she then opened a checking account in my name and the teller stated then stated the bank would not be able to extend the promotional offer to me. After asking why I would not be able to receive a publicly posted offer, the teller and branch manager stated the offer was only for " certain targeted customers '', this statement was repeated to me upon contacting the corporate office. The teller and manager stated that they had successfully opened a checking account in my name, but the promotion would not be extended to me. The teller and manager could offer no information why I would be ineligible for an offer posted on the bank 's website. I closed the account upon notice that my account would not be eligible. I believe I have been discriminated against without legitimate reason and without specific cause offered by Commerce Bank. Additionally, the head office was contacted and the representative did not believe there was an issue to address. I attempted to use the bank 's online links to sign up for an account, these links do not work ( shown in video attachment ), the bank was informed of the website links and the representative stated the site was functioning properly.
03/07/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	MO XXXXX	Web
Commerce Bank XXXX XXXX XXXX, MO A snowball effect of overdraft charges from smaller XXXX transactions going through one at a time. All overdraft charges were from legitimate charges going through when I did not have enough money in my account. The overdraft charges inevitably made it impossible to bring my account into the positive. Each penalty is worth {$36.00}. XX/XX/XXXX - XXXX x {$36.00} = {$140.00} XX/XX/XXXX - XXXX x {$36.00} = {$140.00} XX/XX/XXXX - XXXX x {$36.00} = {$72.00} XX/XX/XXXX - XXXX x {$36.00} = {$36.00} XX/XX/XXXX - XXXX x {$36.00} = {$140.00} XX/XX/XXXX - XXXX x {$36.00} = {$140.00} Total = {$680.00} I called the bank to ask for help. They were able to refund 4 overdraft charges, along with an additional {$50.00} leaving me {$490.00} in the hole. I called again asking to speak to a manager but was never able to reach them and was told this wouldn't be solved by a manager override. I've been having financial issues stemming from a divorce in XXXX and being blindsided by a lack of additional employment due to COVID. I've been asking for years for any kind of tools or resources I can use to help mitigate issues, and until I prodded today over the phone was not aware that I could be using a loan I had from them to buffer my overdraft charges, nor was I made aware that setting up a savings account could help. I was given no valuable advice or suggestions in 4 years. It's hard for me not to believe these resources were withheld from me ( after REPEATED requests for assistance ) because overdraft charges are a more lucrative endeavor than helping customers get on their feet.
04/11/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 75043	Web
On XX/XX/XXXX, I sent a payment of {$300.00} to Commerce Bank via my online banking with XXXX XXXX. This was more than my regular payment amount. The payment was received by XX/XX/XXXX, and cleared my bank XX/XX/XXXX, as supported by the attached documentation. I had been a couple payments behind due to unemployment last year, but they knew this based on many conversations with customer service. This company is chronically slow at receiving and applying payments to my account, unless I pay the extra fees required to pay over the phone. OnXX/XX/XXXX, the vehicle was repossessed. I was told they had no record of my {$300.00} payment, itt was out for repo for being 79 days behind, and they would not approve reinstatement of the loan due to me being behind. After a couple of hours it took them to get my information together to get the car back, I was quoted {$5800.00} to get my car back, including fees, I immediately wired the money per their instructions and got my car back later that day, after paying an additional {$130.00} to the towing company. I was told it would take 10 days or so to get my {$300.00} back. As of XX/XX/XXXX, I had not received my {$300.00}, so I called. After they had to research it, I got a call onXX/XX/XXXX saying they received the paymentXX/XX/XXXX and it would be 14 days from that date before I would get the {$300.00}. The attached documentation clearly shows they received it and it cleared on the XXXX. Their slow payment processing is what led to the car getting repossessed. I never did get a letter or voicemail saying that it was going to get repossessed.
12/06/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	NM 875XX	Web
On XX/XX/XXXX I purchased a XXXX from XXXX XXXX in XXXX XXXX XXXX and financed it through the dealership associated Commerce Back XXXX/XXXX. Insurance verification was supplied on that day along with the current policy information which included a {$2000.00} deducible which allowed me to take possession and drive new vehicle to XXXX. On XXXX/XXXX/16 Commerce Bank sent a notice welcoming me on the loan ( XXXX XXXX ). On XXXX/XXXX/16 Commerce Bank sent a notice demanding a {$1000.00} deducible with no justification provided ( XXXX XXXX ). On XXXX/XXXX/16 I attempted to get an explanation on the phone with no success other than being bounced around between departments. The last person I talked to said they " could do as they pleased '' based on the a nebulous insurance clause in the purchase contract ( XXXX XXXX ). On XXXX/XXXX/16 I formal filed a complaint with Commerce Bank requesting a justification for the {$1000.00} deducible by XXXX/XXXX/16 ( Doc XXXX ). On XXXX/XXXX/16 Commerce Bank demanded a {$1000.00} deducible and threatened me with an {$8400.00} XXXX premium ( XXXX XXXX ). On XXXX/XXXX/16 I sent final notice to Commerce that I was taking my business elsewhere as they had failed to provide an explanation ( Doc XXXX ). On XXXX/XXXX/16 I received the vehicle title and a " thank you '' letter again with no explanation of their attempt to modify the deductible requirement ( Doc XXXX ). Commerce Bank appears at best to be making arbitrary and capricious requirement changes and at worst discriminating against over XXXX age customers, females, or customers living in XXXX.
11/14/2017	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	IL 60618	Web
On XX/XX/XXXX, I opened a Commerce bank checking account that offered a {$200.00} bonus for accounts opened before XX/XX/XXXX. The offer terms stated, " Get {$200.00} for opening a new Commerce Relationship Checking account. '' The offer also stated that I needed to provide an offer code when opening the account, and I provided the XXXX offer code. The fine print also said that my account must be in good standing for a full 90 days after opening. A couple weeks ago, I received a letter in the mail, dated XX/XX/XXXX, stating that my account was being closed for inactivity. My account was only active for 31 days, which does not seem like an unreasonable amount of time for no transactions to occur. I called Commerce to ask about it, and they initially said that didnt sound right. Last week, I received a call back, and the rep told me that Commerce Bank routinely close accounts set up online that dont have activity. My account was closed by Commerce Bank on XX/XX/XXXX. Since my account was closed before 90 days, I did not receive the {$200.00} bonus. The representative I spoke with told me I can keep my account open if I visit a branch. There are no branches near me, which makes visiting a branch hard to do. Commerce Bank allows online applications and allows accounts to be set up by residents of Illinois, so I find it unreasonable that I had have to visit a branch. It is dishonest to hold my {$5000.00} account deposit and earn interest on it, but then close the account after six weeks in order to avoid paying me the {$200.00}.
02/22/2020	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	MO 631XX	Web
I recently made a payment on time before the XX/XX/XXXX to XXXX from commercebank, all online and from the phone app. I logged in today on the XX/XX/XXXX, after checking my accounts yesterday and the day prior with no errors, and on the XX/XX/XXXX noticed that I had not only been charged a returned check fee on XXXX but also had an overdraft fee on commercebank. I had already moved enough funds over from my other accounts to bring all accounts positive from -XXXX by moving {$2.00} over to the account to cover the balance. According to statements on the XX/XX/XXXX, it shows that I made this cover after the returned item occurred, but that would show at least three days after the initial payment was made and an additional time from when these additional charges took place on the XX/XX/XXXX. I believe with what was occurring with XXXX XXXX, this may have had something to do with this transaction error, but usually XXXX takes about $ 2 days to pull from my account after I establish it prior to the payment due date. I've not had any issues up to this point and it can be noted on the XXXX ledgers and even the commercebank ledgers since the credit card was opened with XXXX. I've requested that the error be corrected by the bank because I'm losing out of {$60.00} and this would damage not only credit score, but disqualify me from this homeownership program I'm working through that requires us to maintain sound accounting with finances ( to which I definitely have a record of doing ).
08/28/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	KS 66061	Web	Older American, Servicemember
I scheduled a payment to my mortgage company through Commerce Banks online banking for XX/XX/2023. The money, {$1500.00} was taken out of my account on XX/XX/2023 by XXXX, the company Commerce contracts with to handle their online banking. On XX/XX/2023, XXXX, the mortgage company, sent me notification that my account was delinquent. I called them to find out why. they informed me that the check they received was denied payment by Commerce bank. I called Commerce to find out why since i had over {$50000.00} in that account. Customer service for their online banking is handled by XXXX, the same company that sends out payments. they told me that they had the cancelled check from the payment. I requested a copy of it and was emailed a copy of a check that was written by a lady in Indiana to something called " XXXX XXXX XXXX. '' I do not know either the woman whose account the check was written on or the organization it was written to. The check wasn't even from my bank or account. It was sent by XXXX XXXX XXXX. I have spoken with several people at Commerce Bank, XXXX and XXXX and can't get any answers except, " I'll get back to you. '' or " I'll have someone call you. '' the only exception to that is Commerce Bank. The branch manager and his assistant have been putting forth an effort to reconcile the issue. Both XXXX and XXXX reps told me they opened investigations on it and that I would hear from them in no more than 5 business days. That was three weeks ago and I have heard nothing.
02/05/2021	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	MD 21703	Web
When trying to transfer my Roth IRA from Commerce Bank to XXXX, Commerce Bank ( XXXX XXXX ) sent my funds via regular USPS on XX/XX/21. I continued to follow up with XXXX to see if they received the funds and as of today XX/XX/21 they still have not. When I spoke with XXXX ( who would not give me his last name ) at XXXX he said they wouldn't accept the funds at this point because it was beyond 10 days since the cashiers check was issued. He told me to call Commerce and have a stop payment put on the cashiers check and have it make out to me personally. I told him I did not want to do this for tax reasons, but he said that was the best way to handle it. When I called Commerce to ask them to place a stop payment on the check, and issue one to XXXX on my behalf by wire or XXXX XXXX mail, XXXX said they can't put a stop payment on a cashiers check for 90 days. My IRA is closed with Commerce, I am not earning interest on my account because the money is sitting in some post office somewhere. It should have never been sent via USPS in the first place. XXXX will not send a letter to Commerce saying they have not received funds, which is what Commerce is now requiring to make an exception to put a stop payment on the cashiers check. I have no idea where my money is, my account is closed and I am being given the run around by both institutions. I need help. I want to made whole, by having commerce wire not only the original funds, but the additional interest I would have been earning at XXXX.
07/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07753	Web
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
07/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60045	Web
I have been working with Commerce Bank since XX/XX/XXXX regarding derogatory payments being reported on my credit report. They have indicated to credit bureaus that I have not paid my account in XX/XX/XXXX and XX/XX/XXXX. The account has had a XXXX balance since XX/XX/XXXX, however they report that I owed a {$13.00} on this account and failed to provide statements. I filed disputes with all bureaus on XX/XX/XXXX and contacted the bank. All of the disputes were denied by the credit bureau. Commerce bank admitted the mistake over the phone and removed the {$13.00} ; they said the issue would be resolved with my credit report within 30 days. They would not issue a letter to my mortgage broker in the interim. There was no update in XX/XX/XXXX report so I continued to call them ; no answer, and no update to my credit reports. I have spoken with Commerce Bank, Loss Containment, Credit Dispute, Customer Service, and their Regulatory Risk Management department. They have admitted that they have made an error however will not remove these marks from my credit report. This has cost me time ; and the ability to purchase a home in a timely manner. This is unacceptable ; no one at the bank seems to know what to do ; my credit report is being artificially lowered by around 100 points and preventing me from moving forward with a purchase without a significant increase in my downpayment amount and a much higher interest rate than I would otherwise have paid.
04/05/2017	Yes	Credit card	Closing/Cancelling account	SC 296XX	Web
I closed this credit card account about 1 1/2 years ago. They keep assessing my account a maintenance fee, do n't send me statements, then I get past due notices from them saying I owe them for the maintenance fee and then months worth of late fees, this time around, {$320.00} and they are leaving derogatory remarks on my credit, which is hurting significantly! I have called and spoken with them twice ( the last time I did was with XXXX ), and they had removed the charges from the past times this happened and assured me it would n't happen again. I asked for something in writing, but XXXX said she could not provide me anything in writing. I got another notice on XX/XX/XXXX about it saying I owe them {$320.00} ( most of which are for late fees on an account that was paid in full and closed in XX/XX/XXXX, w/out ever sending me a monthly statement ). This is now negatively effecting my credit score!! The name of the bank is Commerce Bank, XXXX XXXX XXXX, XXXX XXXX, MO XXXX, XXXX. Again, this is the 3rd time it has happened, the past 2 times I called them and they said they took the charges of the account and said that everything was resolved and the account was closed. Both times I spoke with them, they told me everything was cleared, the account was closed for good, and it would not happen again. I do not have access to the full, 16-digit account number anymore ( the card was discarded 2 years ago and I no longer have online access ).
05/15/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NE 681XX	Web
I called Commerce Bank back in XXXX about a {$2.00} charge due to amount subject to interest was below chargeable amount. With that being said I had receive correspondence in the mail about 0 % APR through the end of the starting on a certain date in XXXX. I had misread the correspondence and charged $ XXXX 2 days before the 0 % APR actually started. Well I charged a couple of other items in the 0 % APR timeframe. So I received the statement for that month and send in payment for {$920.00} so I would not be charged any interest. Well that is when I received statement with {$2.00} fee and called the 1st time which took well over a hour to get ahold of anybody. I explained that the {$920.00} should of been applied to all of the subjected $ XXXX that had interest. They explained to me that {$30.00} was not paid off from the {$920.00} mailed in. I explained that the the amount that had interest should be applied first which would of cleared the $ XXXX and the other amount would not of accrued interest. Some supervisor then waived the fee and an agent said it was fixed. Well get the XXXX statement that included the same fee and once again called in to get fixed which stated a supervisor would call me in a few days. No call so called back and got the same thing ... ... no call at all. Get the XXXX statement with same fee. Now I'm filling this complaint as they did not apply the entire {$920.00} to the subjected $ XXXX that would have had interest.
12/03/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CO 802XX	Web
I purchased a new motorcycle ( XXXX XXXX ) in XXXX 2016 which was financed through Commerce Bank. I put down XXXX dollars cash as downpayment and via trade in. I was hit by a car and the bike was totaled on XXXX XXXX. My insurance company covered the accident and sent the entire check to Commerce Bank rather than just the amount due on the loan. Commerce took several weeks to send me a check for the balance. In the interim I purchased another motorcycle ( XXXX ) and it was financed through Commerce Bank again. When I purchased the XXXX, I bought an extended warranty for {$2400.00} from the dealership. I was able to cancel this warranty but the warranty company sent the check to Commerce Bank. That 's where the problem began. Commerce Bank received the check on XXXX/XXXX/2016. I had to call them several times to get them to send me the check. I finally received a check from them on XXXX/XXXX/2016, over two months later. I deposit the check on that day. Today I checked my bank account, and Commerce Bank stopped payment on the {$2400.00} check and the funds were removed from my account with no notice to me. My XXXX charged me {$5.00} for the Return Fee on the check. I had no notice from Commerce Bank that they were stopping payment on the check nor any reason they would do this. Commerce Bank has stolen {$2400.00} from me and caused my financial institution to charge me a {$5.00} for their actions.
09/18/2020	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	IL 60160	Web
For the past few years, I pay my rent every month through the ebill and there has never been an issue. In XXXX, the lady I pay rent told me she never received XXXX, XXXX rent. I knew I sent it and saw it had not cleared, so I had another check sent to her. That overdrew my account twice due to my phone bill. So, I called Commerce bank. They told me that my landlord did cash the check, just late on XX/XX/20. My landlord checked her records and said that she was certain she never received the check. I called the bank again and they argued and finally transferred me to another lady, who compared my landlords signature against the endorsement on the XXXX check. They did not match. Im told it was endorsed by XXXX University. They sent my landlord a document to sign. Since then, i have to constantly contact them to find out what is happening. The last time I spoke with them, the woman told me that they know someone else endorsed the check but that I have to find the person in XXXX University and ask them to return my rent money. The bank has the routing number for the account. They dont have a copy of the check posted to my account and after all this time and repeated promises, I still dont even have a copy of a check for proof. Who would even give me money with nothing anyhow? Not to mention, I have serious side-effects from XXXX treatment and I dont have the strength to chase this down.
07/20/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	AR XXXXX	Web	Older American
In early XXXX I accepted a XXXX XXXXXXXX credit card offer from Commerce Bank. The offer was for a {$150.00} cash back redemption to be applied to my credit statement within 6-8 weeks of making a purchase of over {$1000.00}. A purchase of {$1800.00} was made on XX/XX/XXXX, and I've made above the minimum payments since then, which was another condition of the offer. As of today, XX/XX/XXXX, I have not received my cash back redemption, which is around 18 weeks after I made the required purchase. I spoke with someone at the company on XX/XX/XXXX and was told a decision would be made within two business days. I have not heard back from them and according to my account, I have not been awarded XXXX points ( the equivalent of {$150.00} ) or had my account balance lowered by the promised {$150.00}. I sent an email to the contact on their website on XX/XX/XXXX, and someone named XXXX XXXX responded with the following message : " Upon consulting with a separate credit card area, we have been advised that XXXX Reward points have been manually added to your account. '' That has not happened. I brought this to his attention and he has not responded. My guess is that they plan to award the points only after I've paid my balance down below {$150.00}, thus forcing me to redeem the points for a one of their gift card offerings instead of actually applying this amount to my balance.
02/29/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	NJ 08901	Web
I attempted to close my credit card with Commerce Bank on three separate occasions. The first time I tried online, received a notification on the screen that the account was closed, but it was still showing up 2 months later in my online banking page as active. The second time I tried over the phone, they claimed I could not close it because it had a pending charge. I asked to not let that charge go through, but they refused. The third time I went into the bank branch, with a family member as witness in XX/XX/XXXX, and closed both checking and credit card. I was assured the accounts were all closed and I had no cards or accounts with them. I continued to monitor my account, but 2 months after my online banking information was deleted as I had no accounts to watch. I then moved states a few months after that. I have received no contact from Commerce Bank. In XX/XX/XXXX, I received notice from the people that lived at my previous address that I had mail from Commerce. It ended up being a " missed payment '' notice. When I called the bank to inquire why this account was still actively being charged, they informed me that it had NEVER been closed and was still active. It was a fraudulent payment from XXXX in XX/XX/XXXX from California and is now on my credit report. This would not have been possible had they closed the account when they told me they did.
04/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	UT 84119	Web
My complaint is in regards to unfair credit reporting practices and retaliation for complaining to the bank and credit reporting agency about it. As of XX/XX/XXXX statement I had a balance of {$1900.00} with a credit line of {$2000.00}. On XX/XX/XXXX I made a payment of {$750.00}. Sometime between XX/XX/XXXX & XXXX they reduced my credit line to {$1200.00}, leaving approx {$5.00} available. On XXXX they charged me interest of {$23.00}, causing the account to go over the limit and reported it to the credit bureau causing a negative mark, when all I did was make a big payment. On XXXX I paid the account in full and filed a complaint with the bank. I have not heard back from the bank about my complaint as of today ( XXXX ) like I was told i would and it appears they certainly reviewed my account and once again, reduced the credit line down to {$500.00} on XX/XX/XXXX. Seems to me they are retaliating against me because I filed a complaint in regards to the unfair practices and they also haven't even acknowledged the complaint or negative marks I received on my credit report because of THEIR actions. I find this very unfair beacaue all I did was make a large payment which they took advantage of by reducing my credit line and then gave me negative marks on my credit for it. I've recently disputed this through the credit reporting agency also.
12/30/2022	Yes	Checking or savings account Checking account	Managing an account Banking errors	KS 66049	Web	Servicemember
I noticed that there were erroneous service charges from the bank to my account as well as unusual interest payments. Along with this, the account balance wasn't calculating correctly to the charges/credits that were listed in online account ledger. For example there was a {$11.00} service fee but the account balance increased instead of decreasing, the interest payments weren't increasing or decreasing the account balance. I called the bank to find out what's going on and the customer service person acknowleged that they were aware of the issue and working on it but that i would not see additional line items in my account ledger fixing it, they were just going to correct the total balance in the back ground. I informed them that i was not ok with them not listing the corrections as line items so i could balance my account correctly. I asked for a formal complaint on this and they informed me that they would file the complaint. I recieve nothing inidcating that they acutally filed the complaint. A month later i saw the total balance correct, but no line items indicating what they did to fix it. I'm not ok with them taking money out or adding it back in to my account without listing the transactions so i can keep it balanced on my end and ensure they're not making further mistakes. Attached is a screenshot of the account ledger.
08/12/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NC 286XX	Web	Older American, Servicemember
I owed credit card Commerce Bank of XXXX XXXX, MO {$53000.00} rec 's a letter dtd XX/XX/XXXX received a payment option of {$3200.00} or {$120.00} for 6 months fromXXXX XXXX XXXX Recovery Department. Previously I was contacted I had set up arrangements for paying them through XXXXXXXX XXXX XXXX, but had to drop them as it was a secured account. Received notice from XXXX XXXX XXXX that they have taken over the account early XX/XX/XXXX. I responded with a payment offer to a XXXX XXXX XX/XX/XXXX. I received an email from her stating she would contact Commerce to see if they would accept the offer. Sometime before the XXXX of XXXX we got a summons, but not date to report. I emailed XXXX about it. XX/XX/XXXX I sent an email asking when was I going to get a response. I never did get any response from her, I just sold my home in AZ and discovered that XXXX XXXX XXXX placed a lien on the property for {$11000.00} which I had to pay at closing. The title company first told me about the lien it was around {$8000.00} then two days later it turns to {$11000.00} This law firm collection agency never notified me of the lien or the date to report for court or I would have been present. I have read reviews of this law firm and it appears they like to bully people that can't afford a lawyer. I am a retired XXXX XXXX XXXX and I obey the laws.
06/01/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	IL 60617	Web
I applied for a credit card through COMMERCE BANK on XX/XX/2021 and was approved for {$8000.00} credit limit and was told my card was coming in the mail. Then on XX/XX/2021 I receive a letter saying my account has been closed because inaccurate/fraudulent statements made during application. I applied for a credit card with COMMERCE BANK on XXXX and was approved for {$3000.00} credit limit and was told the same thing that my card was coming in the mail, i even verified my address with a utility bill. That application was flagged because I left out my apartment number ( but they asked for documentation for the address ) which was provide. I spoke to a XXXX XXXX which verified everything. I got another letter in the mail saying my account has been closed because of inaccuracies. I believe this id discrimanation against me being an XXXX AMERICAN. I HAVE BUILT GOOD CREDIT AND HAVE SEVERAL CREDIT CARDS WITH BIG COMPANIES ( thats why im being approved ). Someone sitting in a office judging people and once applications are approved they are denying them. They do not ask for nothing to resolve any problems but just stripping you of working to build your credit up. This is discrimination. Whenever an individual sitting in a office judging people off paper is discrimination. This has happened twice to me with this company.
02/28/2023	No	Money transfer, virtual currency, or money service Virtual currency	Fraud or scam	KS 670XX	Web
On XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Commerce Bank account to a fraudulent investment firm. When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Commerce Bank did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Commerce Banks custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Commerce Bank promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Commerce Bank was in compliance with its own policies and procedures ; ( v ) whether Commerce Bank owed duties to myself, what the scope of those duties was, and whether Commerce Bank did not uphold those duties ; ( vi ) whether Commerce Banks conduct was unfair ; and ( vii ) whether Commerce Bank has within its power the ability to, and should, compensate me for the harm that has befallen me.
01/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 45212	Web	Servicemember
On XX/XX/2020 I applied for a credit line increase on my XXXX Visa Signature card with Commerce Bank. Commerce Bank notified me that they were unable to pull my credit report because of a security freeze. I informed Commerce Bank that they in fact did pull my XXXX credit file on XX/XX/2020. Upon investigation by Commerce Bank, I was informed that there was no credit pull made by Commerce Bank on my XXXX credit file. Commerce Bank indicated in order to process my credit line increase, I would have to remove my credit freeze and allow them to pull a credit report from XXXX. At this time, I notified Commerce Bank I was unwilling to do so and that the credit inquiry made by Commerce Bank on XX/XX/2020 should be removed, as Commerce Bank indicated that they were unable to process my credit line increase because they did not receive a credit report from XXXX on XX/XX/2020. Commerce Bank did not process an application for a credit line increase on my XXXX Visa Signature card and therefore the inquiry made by Commerce Bank on XX/XX/2020 was unauthorized. As of this date, I have not received any written notification from Commerce Bank that it processed a credit line application from XX/XX/2020 which would be a violation of the Fair Credit Reporting Act if in fact the Bank had processed an application.
07/02/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	WI 531XX	Web
I had a credit card account with Commerce Bank in excellent standing for a few years and closed it in XX/XX/2018 with a XXXX balance. I received a letter dated XX/XX/2018 stating this and was concerned about the sentenceIf further transactions are presented, you will receive a statement showing the amount due. The card expired at the end of XX/XX/2018 and no charges were made from then until receiving that letter stating official closure of the account. I have confirmed this. I contacted multiple representatives of Commerce Bank, in particular, XXXX XXXX ( XXXX ) and XXXX XXXX ( a consumer advocate at Commerce Bank XXXX, who both told me that the account could be charged in the future if a person or company sends a charge to it. Even months or years later, according to both of them. According to XXXX XXXX, Commerce Bank has an agreement with XXXX that allows this to occur. I read my Cardholder agreement in its entirety, and there is no stipulation that my credit card account is indefinite after it is closed. This is highly irregular and unsettling -- an account that is perpetually open. I can't even access the account anymore because I closed it, yet it may be charged in the future. This is highly irregular. Never encountered this before, and I have used credit cards for nearly 4 decades.
10/20/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	IN 46062	Web	Older American, Servicemember
I had a credit card with Commerce Bank. While I had charges on the account, I was paying the billing per the amount requested and on the due date in the approximate sum of $ 100+ per payment. I never receive any statements from this creditor and I never requested digital copies as I prefer paper copies. My card was misplaced or lost and they reissued a new card and new number. All of a sudden I have charges in the thousands, and payments in the thousands. I can not now or ever have such luxuries and would not being paying sums of money that were more than the fraudulent charges. I attempted a resolution of this account when the balance was $ 6,000+. Now the account is over $ 17,000+ and the charge limit was and is {$9000.00}. I know that I have been abused by fraudulent charges by someone, but the many thousands of dollars of payments lead me to believe that Commerce may possibly be laundering someone else 's money through my account and who knows how many others. I have no explanation other than that for what has been going on in this account, only that the charges and high payments are NOT mine. Furthermore, high amounts were charged to XXXX XXXX electronics. If I wanted something at XXXX XXXX, I would have used that charge account and not Commerce. This account makes no sense to me.
08/07/2018	Yes	Checking or savings account Checking account	Managing an account Fee problem	KS 66106	Web
Commerce bank started charging customers a {$3.00} statement fee in XXXX of 2017. They did not seek authorization to do this, they simply put a note on a statement saying they were going to charge for this. They also said you could unsubscribe online, which you cant. I had no idea about this fee as they had disguised it in the billing ledger as a service fee. Upon reading through my statements, they call it a statement fee on the ledger on the paper statement and they do not list it in the itemized charges they show for fees and other services charged on the invoice. Attached you will find a screen shot showing these things. I contacted commerce and they basically said, " we told you on the XX/XX/2017 invoice we would charge you and so you should have unsubscribed then ''. They then proceeded to tell me I needed to come in to the bank to clear this up and turn off the statements. I was also told by XXXX XXXX, complaint handler at Commerce, that they couldn't possibly have asked customers online to opt in or out of this or even notify customers this was happening. I told her they could've prompted customers at login but the point of this move was to quiet take money from customers without them noticing. They are literally sneaking and mislabeling fees to generate revenue.
08/17/2020	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	KS 662XX	Web	Servicemember
On XX/XX/2020 I attempted to withdrawal {$600.00} from an ATM machine at Commerce Bank on XXXX XXXX XXXX XXXX XXXX XXXX. I misread the screen and drove off thinking the withdrawal was not being processed. Upon getting home, my wife told me the request was being processed. I drove back and there was not any money or receipt in the machine or around the parking lot. I called the number on my debit card, XXXX and filed a dispute along with sending my bank a message online. I received a letter from Commerce dated XX/XX/2020, attached, which gave me what I thought to be a " boiler plate '' response. On XX/XX/2020 I called the debit card number and was told the investigator was on vacation and would contact me the following week. I explained that I was out {$600.00} and wished to know exactly where it went. Was the bank actually short that day? If so, does the ATM not have a camera to show that the cash, and receipt, were taken? On XX/XX/2020, I again called the debit card number and was told the investigator had not been able to review the case and contact me but it was in progress. As of this date, XX/XX/2020, I have not heard from the debt card company. I feel I deserve a more definitive answer since the {$600.00} was withdrawn from my account. Thanks
01/14/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	IL 61615	Web
In XX/XX/XXXX I did not get a bill from Commerce bank and they put a negative remark on my credit history as missed payment. I have been making payment to them and even told their representative about not getting the bill but they did not pay attention to it and they even closed my account. I have paid the balance down since XX/XX/XXXX from XXXX to XXXX as of now. After they closed my account and put a derogatory remark on my credit report i have been denied credit by other credit card company to even increase my credit line so that i can start a new business. I am going through a hard time as a result of this action of Commerce bank without my knowledge and inspite of them putting my wrong SSN in their system which again gives me hard time to get to right person in timely manner through their automated system. I need this negative remarked moved from my credit history and this credit card reopened. I am willing to pay it off in next 60 days. Please help me I have a family to feed and I have been a very responsible person to pay down the credit card and this is really irresponsive of Commerce bank to do this to me without even notifying me and giving me enough time to fix the problem even though the problem did not happen because of my actions.
05/23/2018	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	CO 80013	Web
In XX/XX/XXXX, I opened up a new checking account with Commerce Bank. They had a public promotion offer available that would pay {$200.00} after a month of keeping account open. I put in {$5000.00} in the checking account per requirements and kept the money in there the whole time. I did not receive the {$200.00} bonus and reached out to the bank for the first time in early XX/XX/XXXX. I talked to a rep that said they would open up a case and get back to me within 2 days. No one contacted me and I reached back out to the bank on XX/XX/XXXX. The rep filled out some internal form and said I should see the bonus post within 7 days. I called back onXX/XX/XXXX and inquired again from a rep named XXXX. She filled out the " form '' yet again. I did not see the bonus or hear from the bank again. On XX/XX/XXXX, I reached back out to talk to a supervisor. At this time, he advised that the bonus was only for certain targeted customers. I told him that it never stated that in the terms and that it was a general public offer. He told me that he would escalate to the Consumer Advocacy department. I still have not heard from him or that department. It is really frustrating because I held up {$5000.00} of cash in this account that promised to issue the bonus.
05/12/2021	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	CO 80249	Web
On XX/XX/XXXX I apply for a sba loan. For XXXX When I meet in person with commerce bank they look everything ad my credit score and my financial everything look perfect and we sumith it for the loan five days later she send me a email that she need to talk to me by phone. When I call her she told me my loan was not going to happen because it was going to make more debt to my business. And they will deny my loan. I told her send me the reason for denial by writing so I can see better what was the problem because it didn't make sense. She never send me a written notice to explain. And the problem is that all this time I been under contract trying to get the loan and meet the days for closing. Now I'm in really bad situation no other bank can't meet the deadlines for the loan. One of the things that happend during our first meeting that the loan officer Use to sell clothing and she started asking me more and more questions about how that I was able to make my own makeup brand and clothing brand where did I got or how it needs to be done. And I told her that was confidential because it's how I make my business. After that I saw a change on everything. I was never provided with a account number or loan number they just won't return my calls
03/13/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	MN 55113	Web
XX/XX/XXXX commerce bank XXXX XXXX XXXX XXXX XXXX, MO XXXX Dear Madam or Sir : Re : ( XXXX on XX/XX/XXXX ) On XX/XX/XXXX, I purchased the following product or service : This in regard to commerce bank violation of law by taking approx. {$1300.00} payment on a an open disputed charge. They say the don't have to abide by federal law ( and send me to different commerce bank department which send me back to the dispute department ) regarding that. Unfortunately, I was dissatisfied for the following reason ( s ) : violation of the federal law about paying bill while a dispute is open and the dispute is certain to resolved in my favour since I provided ample evidence that I never received the merchandise and the merchant promised refund several times and never delivered on his promises. To resolve the problem, I would like the following to take place : I would like a full refund of the payment on the disputed charge. I have enclosed copies of my records related to this situation. I look forward to your reply and a resolution to my problem, and will wait until XX/XX/XXXX before seeking help from a consumer protection agency or the XXXX XXXX XXXX. Please contact me at the above address or by phone at XXXX. Sincerely Enclosure
08/24/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CO XXXXX	Web
Commerce bank returned a payment made through billpay on XX/XX/2022 claiming my account never existed using the ID number on the bill. They would assess a late fee and deny I ever sent a payment and insist the late charge stay. They would promise to let me speak to a manager and then hang up on me and not answer any call since that incident. About an hour later Commerce Bank would call me and try to coerce me into paying this illegal late fee and deny that they ever returned a payment once again. I have stated that refusal to accept the balance transfer payment for the balance due minus the illegal charge would be their voluntary forfeiture of the balance and hang up. Commerce Bank has had me blocked from having online access to my account for 2 years because I am XXXX Responses to this resulted in nothing more then their ban being left and Commerce Bank continuing to send me prewritten instructions on how to set up an online account but kept failing to address why I was blocked from having an online account. This was in retaliation to me winning a fight against their attempt to block a legal name change by simply ignoring it and claiming me changing my name XXXX XXXX affirmation purposes is against their security policy.
07/08/2023	No	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	LA 70809	Web
I have been trying to cancel my Commerce Bank XXXX card for XXXX months, since XX/XX/2023. I do not use the card and have recently been scammed twice and am very concerned about identity theft. I have made it clear to XXXX different Commerce Bank customer service representatives over the phone that I URGENTLY wish to cancel my account, and yet my account is still open. Every time I call, I wait on hold for more than a half hour before I can speak to anyone, then the person says they can't help and transfer me to someone else and I wait for XXXX minutes again. I spent an XXXXXXXX XXXX XXXX XXXX on the phone approximately XX/XX/XXXX and finally someone at least said they'd send me the paperwork even though I was away from home and working in another state and told them I wanted my account closed immediately. I am not home and the paperwork never arrived. My account is still open. I just tried calling again and was on hold for another XXXX minutes but gave up. I've wasted at least XXXX hours trying to cancel this account and have been unsuccessful despite telling people on the rare occasion I actually get through that I urgently need to cancel my account. I see no way to do so online. Very irresponsible and stressful.
04/24/2017	Yes	Checking or savings account Checking account	Managing an account Fee problem	MO 641XX	Web
Commerce Bank, XXXX XXXX , XXXX XXXX . I originally signed up for an account that had no fees for simply having the account. Turns out they at some point switched this account to a different type without my consent. I have been getting charged {$8.00} per month for quite some time. When I went to address the problem, I was told by the representative XXXX ( XXXX ), a nd then by the branch manager, XXXX XXXX , that I should have been paying attention to my statements. My contention was why should I have to when I trusted Commerce to abide by our original account type. XXXX refunded 3 months, XXXX another 3 months, but they would not do anything further to help, and insisted this was not their doing, but my oversight in not keeping an eye on my account. This, to me is a blatant bait and switch tactic designed to take advantage of just such scenarios. I did not consent to having my account type switched. I signed up for a student, free account, and have in fact been a student until XXXX XXXX . I have had numerous conversations with Commerce reps over the years and not once have any of them admitted to or notified me of the fees, even when I brought up the free account type.
08/27/2020	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	MO 641XX	Web
My Commerce bank account was Hacked on XX/XX/2019. I notified Commerce bank immediately of fraud activity. I was given three new cards, that did not work. and was told the money would be returned to my account within 10 business days. It was never returned to me and my account was closed in XXXX of this year. I was also told that someone with a similar account number to mine was changing my pin online and stealing my money. I have spoken with Commerce Bank @ XXXX and XXXX with the bank manager and she read the notes, claims that the money was returned to me in XXXX. That is not true because I was still trying to recover the stolen money from my checking account in XX/XX/2019. I turned in all three debit cards to bank manager at XXXX and XXXX in XX/XX/2019 as they did not work. I had no access to that account. The bank manager was to issue me a cashier 's check in XX/XX/2019 and mail it to me in XXXX XXXX, MO. Which to date has never happened. The fraud charges : XXXX XXXX at XXXX and XXXX XXXX XXXX, MO {$60.00}. XXXX for {$89.00} x 2 = {$170.00} Budget : refund for rental insurance : {$21.00} Total monies never returned to me by Commerce Bank : {$250.00} XXXX XXXX XXXX XXXX XXXX
11/14/2017	Yes	Checking or savings account Checking account	Closing an account Company closed your account	IL 606XX	Web
I saw that Commerce Bank was offering a {$200.00} bonus for new checking accounts. I live in Illinois, which is one of their states, so I signed up and made a {$5000.00} deposit on XX/XX/XXXX. I just got a letter dated XX/XX/XXXX saying my account was closed due to inactivity. I had only had the account open for 6 weeks, and they are closing it for inactivity?? It 's clear to me that Commerce Bank is just trying to avoid paying the {$200.00} bonus, which would have occurred at the 90 day mark. They should n't be allowed to have people go through all the effort to honestly open an account with them and then deny the bonus because 6 weeks later they decide it 's not the kind of customer they want. They had my address when I signed up with the bonus promo code, so any sort of suggestion that I was n't in the bonus target area is ridiculous ... .they should have denied my application then if they did n't want people in my geography ( and I do live in a Commerce Bank state ). I sincerely doubt Commerce Bank is closing long-standing accounts that lack activity for 6 weeks. They are only targeting accounts for closure that they 'd have to pay a bonus on if they stayed open longer.
06/23/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MO 63021	Web
My wife and I received a check from another bank payable to both of us. We do not have a joint account but both bank with Commerce Bank, so we both endorsed the check and I deposited it in my account. Commerce Bank refused to deposit the check to my account claiming it was a " third party check. '' First off, it was NOT a " third party check '', it was payable to the account holder, and his wife, who both signed the check. Second, it was from another Bank, not an account holder, the Bank itself, so it's not as if there's a risk the funds would not be good. Third, my account has more funds in it than the amount of this check, so there is no risk to the bank of a loss. On top of Commerce Bank refusing my deposit and notifying me by letter ( not by phone, email, or any other instant method ), and telling me to call them to find out more information, when I called, I was advised that they MAILED THE ENDORSED CHECK TO MY HOME VIA REGULAR MAIL. So effectively, there is a negotiable instrument floating around in the USPS - anyone who gets their hands on it can cash it - apparently at any bank other than Commerce Bank. They might as well have mailed me some cash, it's just as safe.
03/04/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	TX 75119	Web
XXXX XXXX XXXX, XXXX TX. In early XXXX I went into the dealership to cancel my auto warranty I had purchased on my car. I signed a legal document stating that I had cancelled my warranty. I was told that XX/XX/XXXX a refund check was issued to Commerce Bank for my auto warranty that I was cancelled. I tried to get ahold of the dealership multiple times because the warranty refund never posted to my account. I finally got ahold of the salesman on XX/XX/XXXX, that sold me the car, and he told me that the dealership went out of business and that the owners and higher ups of the company are not answering anyone 's phone or giving answers to employees. XXXX XXXX was the financing manager that processed my cancellation and refund. The original cost of the auto warranty was {$2100.00}. I was told a prorated amount around {$1900.00} would be issued to my account. I purchased the car on XX/XX/2020. I am requesting investigation into the reasoning my refund check was never sent to Commerce Bank or never processed, along with the shady practices of XXXX XXXX XXXX XX/XX/XXXX management and owners. XX/XX/XXXX is the company in charge of my auto warranty.
08/29/2015	Yes	Bank account or service Checking account	Problems caused by my funds being low	MO 64063	Web
About two years ago I received a letter from commerce bank saying that I would get a refund from them due to a class action lawsuit that was filed against them. Commerce bank had abusive overdraft practices where they would post the largest transactions to the smallest in order to create a greater number of overdraft fees. I was under the assumption when I received the letter that I would be receiving a check from the class action lawsuit. I have not received any compensation for this. I even sent commerce bank an email requesting information on when I would be able to expect to receive compensation from these unfair and abusive acts by commerce bank. I received a reply from them and they only said to be patient and eventually I would receive compensation. That has been several months now and still have heard nothing about it. I just want to be able to get what is owed to me, and to be able to have someone from commerce bank actually talk to me, rather than just send me an email instructing me to wait patiently with XXXX follow up. I want an explanation to whether I am supposed to get compensation and why I have not received it already.
06/13/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	MO 63376	Web
In XX/XX/2018 I received a promotion by email from Commerce Bank to apply for a credit card with 0 % interests for 16 months and 0 % interests on balance transfers with NO balance transfer fees. The maximum credit limit offered was for {$15000.00}. On the application I asked for a balance transfer from a HELOC in the amount of {$25000.00}. My next communication from the bank was that I was approved for {$15000.00} and they would send me a card soon. When I received the card and documentation I was charged a 5 % balance transfer fee of {$700.00} dollars and the interest fee time frame was changed to 12 months. I called the card company and tried to work with a local branch to get the fee waived and I offered to pay off the balance for a return of the fee. All were rejected. It is my contention that the card I singed up for and the terms and conditions I singed are not the same as what was provided. I asked for a copy of my original application so I could verify what I signed up for and was told it could not be provided because I applied online. All I want is to cancel the whole transaction and get my 5 % ( {$700.00} ) fee back.
09/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	NY 10023	Web
I have been a Commerce Bank customer since XXXX and have always honored my payments and made sure I was using my credit responsibly. As I returned to The US on XX/XX/XXXX from traveling abroad, Commerce Bank reported my account as delinquent for missing a single payment to cover my statement from XX/XX/XXXX. They argued that my payment was 34 days late. By failing to contact me first or call the number on file, they simply automated the reported of my account as delinquent, thus making my credit dip XXXX points below. While they argue they sent a mail to my address, I did NOT receive anything and they did not make any effort to call me ( my phone was working, yet they did not make the effort to contact me to make the payment as I always do ). I am not a new customer and have a good history of making payments. In this instance, Commerce Bank chose to handle this situation unethically and without any consideration for my rights as a consumer. Reporting my account as " delinquent '' without any prior communication was an institutional mistake, and I want Commerce Bank to remove it from my credit report. - XXXX XXXX XXXX XXXX
10/16/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	MO 631XX	Web
on XX/XX/2018 I attempted to make a payment towards my commerce bank credit card but I was going to use my XXXX XXXX XXXX checking account to make the payment. I used {$10.00} from my XXXX XXXX XXXX account to go toward the commerce bank payment and for it to be taken off the XXXX XXXX XXXX card the same day. One week later I check my account any my commerce credit account balance is really high and I click to find out why, and it was because there was {$35.00} worth of banking fees charged to my account. So I called customer service only to find out they were not willing to credit back fees because they claim I made an error at the time of payment but that was not the case as I checked my account personally online and in person and the commerce and XXXX XXXX XXXX.But commerce bank is stating that the account number was wrong but I personally checked the account numbers online and inperson with a teller. The numbers were correct but the credit bank is still disputing that they made an error and refuses to credit my account back the entire amount that I was charged and as the error was not my doing I should be refunded.
12/07/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	KS 66061	Web
On Monday XX/XX/XXXX, I deposited {$210.00} into my checking account. During the transaction it took the money it told me how much money and then it told me there was an Error, transaction not completed. It did not give me my money back it did not give me a receipt and then the transaction just ended. The screen went back to the beginning. We immediately drove around and spoke to a teller named XXXX XXXX. She told me she would have somebody come and look at the ATM that day and that I would have my funds back within 7 to 10 days. She gave me a case number as well. She also informed me that this happens all the time that the ATM often takes money from people but they're not doing anything about this. They're not fixing the ATM they're continuing to use those ATMs in the company that runs them. I spoke with XXXX XXXX yesterday and she told me I would have my funds back by last night. The funds are still not there. When I called her to explain that the funds were still not there she told me it would take a little bit longer and when I told her I wanted to close my account with them she hung up on me!
05/04/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	AZ 85741	Web
Company sent out a 50 % settlement offer for the full debt XXXX XXXX. I sent a check back with the amount, {$560.00}, and the company accepted it only as a partial payment, claiming they had no record of any debt negotiation. I thought I had made a mistake in the process, so I did nothing. Company again sent a 50 % offer for the remaining balance, so I was more diligent in sending the acceptance quickly and sent them a check in the amount of {$280.00} with the enclosed offer. Company again accepted it as only a partial payment, not an acceptance. When I called to inquire, Company told me that sending in a check did not constitute acceptance, and that I had to actually confirm the acceptance over the phone. My issue : sending in the checks unequivocally constituted an acceptance of the offer and were conditional on the settlement of the debt. Company is negotiating in bad faith and making up their own rules of acceptance. Offers never said anything about being conditional on further negotiation or acceptance over the phone, only that the checks would have to be received by a certain time.
06/22/2022	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	MO 630XX	Web
My personal and business accounts were restricted/terminated without a proper notification. The bank says they sent a letter of explanation through XXXX XXXX in which I never received. They also sent my monies through XXXX XXXX in which I was not notified of said issue by anyone in the bank until the day my debit card stopped working. I just made a deposit last Thursday inside the bank and nothing was said when the account from what I understand was restricted at that time. If I would have received the letter I would have withdrawn my monies myself. The XXXX commerce bank has been told many times not to mail to the address they have, hints the reason I have ordered checks and had them delivered to the bank. I was not notified and I have no access to monies in both accounts that is mine or my companies monies. I have no monies to purchase materials so I can work. Im not working today, tomorrow, etc because of this said issue. I also have a voicemail from an aggravated commerce employee XXXX giving me the wrong tracking numbers for the XXXX XXXX mail. Please help before I go broke!!
06/10/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 78247	Web
This is more of a general complaint towards commerce bank. Commerce bank engages in shady practices by not allowing users to enroll in auto pay electronically like 99.9 % of banks that do auto loans. When logging into commerce bank with your username and password, you can not make a payment with out entering your loan number. Your loan number is not disclosed in the online account or provided by their " secure message system ''. They will force you to make a phone call to customer service to retrieve your loan number. There are no payment reminders or anything by email, with the lack of electronic auto pay enrollment they are hoping you go past their 5 day grace so they can bill late fees. Even with ACH they charge you a {$5.00} payment processing fee to pay by checking account routing and account number which is not disclosed by the dealership to the customer when signing for the loan. All in all I've had maybe 60 auto loans in the past 10 years and commerce bank is the only institution I've found to engage in shady business practices to make paying your bill hard.
05/10/2021	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	CO 804XX	Web
My wife and I have had a vehicle loan with Commerce Bank since 2017. For the past two-and-a-half years, since we moved addresses, we have not received any monthly statement. We continue to pay our loan through their online portal. But their online portal does not have any way to access any sort of statement, it just takes money. As a result, we can't be sure exactly when our payments are due, what the exact amount due each month is, or how much is left on our loan. We are essentially guessing on due dates and amounts based off the few statements we received at the beginning of the loan. We have called Commerce Bank roughly 8 times trying to get them to send us a statement. Each time we give them updated address information and each time they still have our old address. They continue to fail to send us any statement. I am concerned this will eventually affect our credit. I am more concerned that Commerce Bank is doing something shady or illegal regarding our loan because, at this point, we have no way to tell what is happening with our loan and our payments.
06/28/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	OH 443XX	Web	Servicemember
On XX/XX/XXXX, the card was approved. Without warning. 10 days later on XX/XX/XXXX, it was denied. It was a {$1000.00} limit. I had to pay cash at XXXX because I was given a bait-and-switch card. After 2 days on hold with support, they told me that " bad financial information was given '' in error. 20 days later, they had notified me of closing the account by sending a letter, denying any wrong-doing whatsoever. I had called the lady responsible for Commerce Bank 's credit approval and denial, and they gave me an XXXX XXXX excuse as to why they denied it, citing made-up people on my file that wasn't even there. They tried to pass the buck to XXXX and anyone they could. Upon calling back to follow up with XXXX and XXXX, they said my credit score was fine and in good standing. The credit reviewer said they would " take a look '' at this deceitful company and try to get even MORE information out of me, sending me a selfie and photo ID and driver 's license which I flat out refused and declined to do. Is there anyone willing to help with this?
09/30/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MO 64081	Web
I WANT THE CONSUMER PROTECTION BUREAU TO INVESTIGATE THE THEFT OF {$250000.00}! XXXX XXXX XXXX SUBMITTED A FRAUDULENT PAYOFF STATEMENT FOR A LOAN I HAD ALREADY PAID. I paid off an {$82000.00} line of credit in XXXX. I paid off {$240000.00} balance in XXXX I paid back the escrow I already paid AND paid beck and apparently paid again. I paid the taxes and insurance. I paid the credit cards in the second mortgage when I paid off the second mortgage I paid off a XXXX balance included in my first mortgage. I paid it off with the second mortgage. I paid off the balance when I paid off the second. Modification included all of it. {$240000.00} - XXXX XXXX - XXXX {$130000.00} balance in XXXX XXXX XXXX XXXX paid - XXXX balance XXXX - {$49000.00} 2nd principal balance at 0 % XXXX payments + XXXX already paid XXXX paid XXXX {$500000.00} I just Received A phone call from Commerve bank. I want a complete investigation by the comptroller of the currency. And the {$250000.00} stolen from me yesterday I owe commerce nothing. This is on XXXX XXXX XXXX
12/23/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	MO 63122	Web
On Tuesday, XX/XX/XXXX, I withdrew {$200.00} from a prepaid card at a Commerce Bank ATM and received XXXX {$50.00} bills. I immediately used my Commerce Bank debit card to deposit these funds into my checking account. The machine malfunctioned and gave me a receipt stating that there was an error processing the request and to call the Customer Service number for the bank. I called the number while at the ATM and spoke with a gentleman who advised that it would take 3 days for the bank to investigate. On Thursday, XX/XX/XXXX, I called the Customer Service number for an updated stated and was advised that it could take up to 10 days for the investigation to be complete and that if I have any questions, to visit the branch. I went directly to the branch and spoke with an assistant manager, who said that she would try to have the {$200.00} deposited into my account and that she would call me by end of day. I did not receive a call from her and the funds have not been deposited into my account.
12/30/2017	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	IL 62269	Web
Commerce Bank was offering {$200.00} to open a checking account. I have opened the account twice, and the account was subsequently closed with no explanation before paying the bonus. The company is intentionally misleading potential customers, into opening accounts, and then once they open the account, are closing accounts before the bonus is due if the customer does not open a credit card or take out a mortgage, or use any other products that are more profitable to the bank. Additionally, anyone who has opened an account with the bank in the last few years with a bonus offer should receive a mailer from the company or the CFPB alerting them to these practices. The company should be forced to pay what was promised, including lost interest to the victims, and should also be subject to a punitive fine payable to the CFPB or perhaps a different customer watchdog to send a message to Commerce Bank and any other bank that these type of abusive practices will not be tolerated in the future.
08/29/2015	Yes	Credit card	Cash advance fee	MO 63021	Web
The complaint is in regards to a full payment that was made on the same posting day of the amount charged to a credit card account that incurred a debiting transaction initiated by overdraft protection tied to that account. The initial charge was {$100.00} plus a {$10.00} fee for utilizing the overdraft service. The {$100.00} charge was paid back to the credit card account on the same posting day it was debited via direct wire transfer from an account housed at the same institution. As a result the credit card/bank has applied an outstanding finance charge although the balance was not carried over to the next day or accrued in a " daily '' manner. The result of a small finance change appearing on the statement illustrates an interest charge that accrues by the " minute '' pursuant to a cash advance and not one that accrues daily per their Terms of Service. The institution was not without the funds for a period of 24 hours so daily accrual is non-applicable in this situation.
09/23/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	MO 641XX	Web
On XXXX XXXX 2016 I closed out my checking account Commerce Bank on XXXX and XXXX downtown XXXX MO with the manager XXXX XXXX bringing my account to a XXXX balance this concluded my business with the bank of 7 years on good terms. XXXX the XXXX Commerce Bank took it upon themselves to reopen my account and honor several auto payments with merchants without my permission. Now the bank is trying to come after me with overdraft fees and what is now in negative balance of over {$200.00}. I did not intend to pay the merchants which was my reason for closing my account. By reopening my account without my permission is fraud on a very high level. Upon trying to speak to them about the situation I was met with a rude condescending and gangster like mentality please help. Clearly the bank made a mistake and how they closed out the account causing it to be able to be reopened and funds taken out that did not exist. Now they expect me to pay for their mistakes. Please help thank you.
04/28/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	MO 655XX	Web
A charge was made on a credit account that was already closed for inactivity. When I got the bill I sent letters advising the financial institution that the charge was fraudulent. The institution continued sending letters and masking phone calls and totally ignoring the letters regarding the fraudulent transaction and the billing on a closed account. When speaking with them on the phone they would tell me I had to report it to the fraud department. Then I would be put on old for long periods of time. They ae continuing to send bills and make phone calls. In an agreement reached by phone with their representative I paid the initial charge of {$99.00} to resolve the issue and close the account. I made that payment but the Commerce Bank is still sending me bills and calling me. I have never been successful in reaching their fraud department. Written communication will not reach them and when I'm transferred on a all I get put on hold and never get to talk to anyone.
10/07/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	VA 228XX	Web
I set up a {$75.00} payment towards my Commerce Bank credit card balance on XX/XX/2021 using my credit union 's Bill Pay electronic transfer service. My credit union shows the payment being applied on the Commerce Bank account due date of XX/XX/2021. Commerce Bank claims this payment was not received on time ( with no evidence provided ) and was not processed until XX/XX/2021, incurring a {$30.00} late fee. One Commerce Bank representative told me over the phone that the bank does not have to process any payments it receives until they choose to. In this case, it appears that this payment 's processing was purposely delayed, including over the XXXX XXXX holiday weekend, in order to assess late fees from myself and perhaps many other customers. Commerce Bank concluded without evidence that there was no " bank error '' and therefore would not refund the late fee. I have since terminated my account with Commerce Bank and advise others to avoid their products.
04/13/2018	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	KS 662XX	Web
So my account was negative by around 100 dollars and my account was closed without notice onXX/XX/XXXX. I was planning on having my tax refund deposited in it so I wasnt depositing any other money in it but my tax refund was delayed due to some errors on my end. I went to commerce on XX/XX/XXXX and paid my balance but they refused to reopen my account. On top of that, my account being closed now shows up on my credit report and I am unable to open another bank account despite resolving the issue. I called the reporting agency and they said I have to pay {$300.00} to have the flag removed. It wouldnt be a major issue but I am starting employment with the XXXX XXXX XXXX XXXX next week and the XXXX requires I am paid via direct deposit. I believe they also run a credit report for employment and Im worried that will terminate my employment. Im being held XXXX by a credit reporting agency. My complaint covers two categories but it all stems from commerce bank.
03/26/2015	Yes	Credit card	Balance transfer fee	IA 50265	Web
I applied for a new credit card so I could take advantage of a zero percent interest rate on a balance transfer. With my application I requested a {$7000.00} balance transfer to pay off another card. I was only approved for {$4000.00} and Commerce Bank automatically did a balance transfer for {$3800.00}. They added a balance transfer fee which put me over my new credit limit immediately. I did n't ask for the XXXX amount at any time. I am concerned about negative credit reporting and additional fees and even the lose of my new zero percent interest rate. I feel this is against the Fair Debt Collections Practices Act, Fair Credit Reporting Act and is not fair and responsible lending to set me up for failure in this way. I called the bank and they said they do not report on my card. I would like my credit line increased or the balance transfer fee waived so I 'm not over my limit. I also want confirmation this will not impact my zero percent interest rate.
09/13/2018	Yes	Checking or savings account Checking account	Closing an account Company closed your account	MO 631XX	Web
I received a text message stating that Commerce Alerts : You will receive no further messages. Call XXXX for more information. I Immediately called the number and was informed that my account was closed due to no activity on the account for more than 30 day with a XXXX balance. I was aware that I didnt have any activity on the account for a few months but didnt realize that my balance was at XXXX and was in jeapordy of closing. If I would have received corresponding making me aware that my account was going to close I would have made the neccessqry steps to mainting the account in an active status. The supervisor I spoke with informed me that they dont send out any notices its on the terms and conditions when opening the account but it doesnt sound reasonable. I have had this account since XX/XX/2009 going on 10 years and opening up a new account with new banking information is frustrating. I just want to make to see if this is logical or not.
01/31/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MO 63376	Web
ACH Withdrawal : {$1800.00} on XX/XX/XXXX, BY XXXX XXXX My business found a suspicious unauthorized traction earlier late last month ( XX/XX/XXXX ), and tried to resolve the issue with my bank, COMMERCE BANK. I first called the bank to inform that the account was debited {$1800.00} on XX/XX/XXXX, and it's an unauthorized traction. It said it's XXXX XXXX which took the money from the account. We haven't got any loans from XXXX or whatsoever organizations, and we don't owe them anything. I literally have no idea how you got our bank information and charged us {$1800.00} thru ACH which needs our routing and account number. The bank keeps saying that there's nothing they can do or dispute the transaction since it's already been over 24 hours, and telling us that we have to resolve the issue outside banking channel. I tried to contact all the numbers that I got from Commerce bank and there was literally nothing I can do to resolve the problem.
11/30/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	KS 675XX	Web
This complaint is regarding Commerce Bank. I am a joint owner on my daughter 's student checking account. She transferred money through their mobile banking app at approx. XXXX on XXXX XXXX. It raised her " available balance '' by that amount. She then made XXXX debit card purchases online. Since it was after XXXX, the transfer was n't credited to her account until the next day, however, the debit card transactions that had been authorized but had not " hard posted '' counted against her immediately and they charged her {$10.00} to transfer the money from her savings account for " OD protection ''. When I called they told me had she not had OD protection she would have been charged XXXX overdraft charges. It seems unfair and deceptive for them to increase her available balance and make her think she can use her debit card and then charge her either an OD fee or an OD protection fee for subsequent transactions that are made using those funds.
05/15/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	MO 64804	Web
Commerce Bank withdrew funds from my account, caused me to overdraft, all because the check that was written had a similar account number. Similar in the means that it was n't my account and that the bank had an error when dispersing the funds. When I called the company they told me I would not be able to use any funds for XXXX to XXXX hours because they had to submit a formal complaint and go through the process. Even though you have bureaucratic ladders of things you have to go through the company could rectify this in a matter of seconds. It would be as easy as posting the image of the check and discussing why the funds were incorrectly withdrawn. Now I have no money and I am in a real big rut today as my bills are due and I have insufficient funds to pay them. I believe that a company of this size should not have this long of a process for XXXX of their own mistakes. I do n't even have check for XXXX sake and somehow they
12/31/2020	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Money was taken from your account on the wrong day or for the wrong amount	MO 64155	Web
I made reservations with a website XXXX on XX/XX/XXXX for a honeymoon to take place on XXXX XXXX through XX/XX/XXXX. Due to the covid pandemic XXXX canceled our tip in XX/XX/XXXX. Their phone numbers all led to a robot recording that said to refer to their website and then hung up on you. Then the website and cancelation emails said they were unable to issue refunds at this time and to contact your cardholder to get a refund. I contacted my bank Commerce Bank to dispute the charges and get my money back but they said it was out of their scope since it was past 60 days of booking the services. I am out {$2300.00} total for services untendered of XXXX XXXX. My claim with my bank was made in XX/XX/XXXX. They have denied my claims twice now. I sent them every email communication between me and the XXXX.XXXX and the phone number for the company as well. I have banked with this bank since I was 18 and they didn't care to help me.
01/09/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CO 80206	Web
Made a payment on XX/XX/2019 for a XXXX XXXX, and traded the XXXX XXXX in XX/XX/2019. I traded the XXXX XXXX in on a XXXX XXXX from XXXX XXXX on XX/XX/2019. An automatic withdrawal was made from my primary checking account at XXXX XXXX XXXX {$430.00} on XX/XX/2019 for the XXXX XXXX I previously traded in. I called commerce bank where the XXXX XXXX was financed through, and they directed me to call the dealership as no payoff payment had been received on this vehicle. I called the dealership, who said they cut the check to commerce bank, and stated they had sent payment the day XXXX took possession on the XXXX XXXX, and that I should contact the bank about the lost check. The bank told me that they received a check in XXXX that was back dated to XXXX, and that any over payment would be returned to me. Now I have documentation that the loan was payed in full from XXXX, but fails to show any refunded payment amount for XXXX.
03/24/2018	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	NJ 08820	Web
I have opened a money market account and a realtionship checking account with them and the promotion code is XXXX XXXX- Promotion, XX/XX/XXXX, XXXX {$300.00}. where they agree to give me XXXX bonus as long as I put XXXX in their account and leave for 90 days. I follow their request and they refuse to give me bonus, claim that I need flyers to have that. However, it was a public offer that post online, and I have confirmed with banker for this as well, they keep that offer online even I tried to resolve the problem with them till XX/XX/XXXX. I am frustrated the bank service can't promise what they have to me. Go to the website, even now it is clear they still run this promo period to period. The requirement is exact the same. They just cheat with customer and tried to get our money, I am disappointed about commerce bank credit -- could not keep the word as they said on flyer. https : //www.commercebank.com/XXXX
07/11/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	OR 974XX	Web	Older American, Servicemember
On XXXX XX/XX/2022, XXXX reported Commerce XXXX XXXX XXXX XXXX ran my credit report ( Hard Pull ). I had NO IDEA why. I did not apply for credit, housing or employment anywhere. This was fraudulent. I keep a very close eye on my credit by watching all three agencies daily via numerous software applications. The bank that ran my credit was listed on my credit report as below : COMMERCE BANK OF XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX During the past XXXX XXXX months XXXX Commerce Bank XXXX XXXX has promised and promised and promised to REMOVE THE CREDIT INQUIRY they put on my credit file XXXX XXXX XXXX. But it is still there as of today, XX/XX/2022. I have attached two letters from COMMERCE BANK XXXX XXXX saying they will remove the inquiry but nothing has happened. I don't know why they keep promising to remove it but fail to do so. What should I do besides submit more complaints!?! Thank you.
01/24/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	IL 622XX	Web	Older American
While on vacation my account became overdrawn. Commerce Bank charged my account with XXXX overdrafts in the amount of {$36.00} each. I only become overdrawn when my account was charged overdrafts fees When I returned I called the bank and the bank removed XXXX overdraft fees in the amount of {$72.00}. I went to the bank an deposited money in my account and was charged for XXXX more overdrafts. I called to ask why I was overdraw, because my statement never showed I was overdraw, only when the bank charged me for overdrafts. I was told I had a debit at one time that was pending and that made me overdrawn. Then I recalled I had given the hotel the wrong credit card for my room, which I corrected within a hour. I was told they have the right to do this because the amount was pending even thought it never went through. How can a bank charge for overdrafts when money is never taken from your account. XXXX
04/05/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MO 64131	Web
I worked for Commerce Bank I recieved a loan from this bank i worked in the same department for two years which was installment loan collections. I put my two weeks notice in XX/XX/XXXX they let me go a week before my two weeks was up on XX/XX/XXXX. All of my car payments have been made prior to 65 days past due until recent. I made a partcial payment for XX/XX/XXXX leaving me with less that {$180.00} when my car payment was {$470.00}. I fell behind for a full payment for XX/XX/XXXX and XX/XX/XXXX. They put my car out for reposession at 65 days past due. My account being an employee or ex employee is being handled by my co workers that i worked with daily instead of management. When they claimed that my car was repoed because of no communication. I advised them that due to the hostile work enviornment and the way they choose to terminate my employment I chose not to speak with them.
09/09/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	FL 33147	Web
Due to the pandemic, I was laid off from my job in XX/XX/2020. I called Commerce Bank at that time to see if they offered any assistance. At that time I was advised of their Covid-19 Payment Assistance Program, which would allow payment assistance for a predetermined amount of time. I was assured there would be no negative reporting to the credit bureaus while in the program. It was in XX/XX/2020 that I started the program. However, in XX/XX/2020, one month into the program, I was reported 30 days late to the credit bureaus. I immediately called for help with this situation. I was referred to a supervisor named XXXX, that never returned my calls. To date I have not returned to work, nor has this been resolved by Commerce Bank. Im very thankful for the program as it has been a tremendous help. I would just like the negative reporting while in the program to be removed.
12/19/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	MO 63122	Web
I bought a new XXXX XXXX XXXX on XXXX/XXXX/XXXX and got a loan for about half the value of the car from Commerce Bank. When I went to add the new car to my insurance, the quote I got from my current insurance agency was too high so I switched insurance carriers and that took about a month - I had my new coverage established on XXXX/XXXX/XXXX. Commerce Bank is now insisting that I show proof of insurance cover from XXXX to XXXX or they are going to charge me a XXXX premium of {$220.00}. I understand their need to protect the collateral for this loan but those dates are in the past - I did n't have any accidents or incidents so I 'm not sure why they think they have a right to charge me retroactively just because I can not produce proof of insurance after switching carriers. I am just going to pay off this loan and be done with Commerce Bank because they XXXX!
02/05/2021	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MO 656XX	Web
I feel commerce bank and there attorney XXXX XXXX of XXXX XXXX and XXXX have used and are using predatory lending practices, bullying, repeated failure to adhere to terms of an agreement and a lack of willingness to work towards an amicably end with an aggressive pursuit of much higher profit margins that a traditional loan. They have refused payment to be brought current, attempted to force me into a forbearance agreement, negotiated a settlement agreement upon learning of a contract for sale, reneged on agreement and took me to court for XXXX more ... won a default judgement without seeing any evidence ... offered another settlement of XXXX ... tried to foreclosure auction the property to force me to pay ... then when I attempted to pay the XXXX having discovered there was a contract for sale for XXXX they reneged on that offer and now want XXXX ....
01/26/2017	No	Credit card	Late fee	OK 730XX	Web	Servicemember
On XX/XX/XXXX, I made two separate payments of {$30.00} and {$340.00}. I received a message in my credit card account inbox indicating receipt of both payments. As of the due date ( XX/XX/XXXX ), the payments had still not been completed. On XX/XX/XXXX, I was charged a late payment fee of {$27.00}, and on XX/XX/XXXX, I was charged interest of {$15.00} on the statement balance. I realized this when I checked my statement on XX/XX/XXXX, and sent a secure message stating that I had made the payments, but the credit card issuer had failed to complete them. I did n't receive a response until XXXX ( 14 days later ), which said my complaint had been forwarded to the appropriate department. I have another payment due on XX/XX/XXXX, and I am worried about this affecting my credit since the payments that I 'm making are n't going through.
01/08/2021	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	MO 63125	Web	Servicemember
To whom it may concern, On the date of XX/XX/2021 I XXXX XXXX XXXX am submitting this complaint because commerce bank has taken my stimulus money. The amount of XXXX was taken from me to balance the overdraft fees of XXXX leaving XXXX cent in my account during this time I had submitted a complaint in reference to overdraft fees this is a new and completely separate complaint and it's illegal for commerce bank to take my stimulus money in this situation they should have rejected the payment and the government would have sent me a official check. Now I will get legal services involved free of charge though the CFPB information hotline, veteran affairs, or other means to obtain this money if commerce bank refuses to comply with the complaint resolution I will state in the complaint process. Very respectfully XXXX XXXX
04/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OR 974XX	Web	Older American, Servicemember
On XXXX XX/XX/2022, XXXX reported Commerce XXXX XXXX XXXX XXXX ran my credit report ( Hard Pull ). I have NO IDEA why. I did not apply for credit, housing or employment anywhere. This appears to be fraudulent. I keep a very close eye on my credit by watching all three agencies daily via numerous software applications. The bank that ran my credit was listed on my credit report as below : COMMERCE BANK OF XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX But after calling, they say this information is not correct. The correct phone number is : XXXX I advised them what happened and gave them my info. They reported they just started receiving many calls with the same complaint. They said their Security Dept would return my call within 48 hours. That was today, XXXX XX/XX/2022 No further at this time.
05/09/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	MO 63303	Web
I recieved a check for {$550.00} dollars that was post dated XX/XX/2016. I deposited the check into a personal bank account on XX/XX/2016 with my bank, Commerce Bank . Funds were not available for the check when it was processed on XX/XX/2016. Commerce Bank proceeded to charge me {$10.00} for a returned check AND did not re-run the check. My account was never overdrawn and I was told that the check would be sent back to the originator by a Commerce employee on XX/XX/2016. It is improper for a bank to process a post dated check before the date on the check, charge an account holder for essentially doing nothing except mailing the check back to the originator, not re-posting the check on or after the date it was deposited and not communicating to me that the check would not be re-posted to my account.
05/30/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	MO 64015	Web
On XX/XX/2019 I transferred my debt to Commerce Bank and wasn't told about interest on purchases. Then i made purchased varies in dates and found the first interest charge. Well I kept calling to find out how much I needed to pay to have the interest to stop. I kept paying what i was told and still being charged interest. On XX/XX/19 I finally asked to speak with manager and the guy said he couldn't tell me anything other than that i still needed to pay XXXX dollars. He couldn't tell me how much more i needed to pay to get it to stop. So some of my payment went to the purchases and the balance. So I am being robbed. I asked for the XXXX interest charge to be removed if i paid the amount that day and the lady on XX/XX/XXXX submitted it. The manager said it got denied because it wasn't a bank error.
10/13/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	IA 51503	Web
Commerce Bank- they charge a XXXX processing fee that is not disclosed in the terms of the loan provided by the dealership. -took 6 phone calls for then to provide the correct steps on where to have my bank send checks so my car payment is accepted. -They accepted the first check in XXXX set with my bank for recurring they returned the XXXX checks saying the account can't be found the XXXX check number is XXXX They have attempted to send me to collections for the missed payment. On XX/XX/XXXX XXXX sent another recurring payment via check number XXXX, they have yet to process the check. This issue falls under XXXX since the fee 's are across all non commerce bank customers. Checking Books are not a normal thing any longer. Most people and business use electronic payments due to safety.
08/12/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	CA 92024	Web
called to dispute card opening and charge was told '' I commited bank fraud " and im going to be arrested!! refuse to dispute charge from XXXX XXXX refuse to take my dispute refuse to stop calling me and threatening me calling me over 45 times rude fraud rep telling me they don't care if someone else used my card im paying the bill or there ruin my credit incredibly abusive fraud back office operator told me " you commited bank fraud " refuse to listen to me combative morons!! refuse to take off credit or follow ANY federal laws whatsoever ever refuse to dispute refuse to stop calling! yelling scream tell me I a fraud there not going to listen back office fraud refuse and kind of detail on charges yelling a screaming at me I commited bank fraud abusive combative could get a word any edge
01/08/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	MO 641XX	Web	Older American
i went to deposit my checks on XXXX/XXXX/2016 .The teller informed me the checks were on a 15 day hold because they were from out of town. i informed here XXXX was a gemeral motors penison check and i have been banking here for over 25 years. teller stated she would have to get her boss ( supervisior XXXX refused to give me her last name ) her supvisior informed me i had too many bounched checks but i tried to explain to her if she put the checks into the bank i wouldnt have bounced and she informed me if i took care\ of my finances i wouldnt have bounced checks. i work with the public and if i talked to a customer like she did i wouldnt have a job. i am so upset i am changing banks after 25 years she dosnt know why my finances are perfect or why occ i have a bounched checks thank you
01/17/2019	Yes	Student loan Private student loan	Getting a loan Confusing or misleading advertising	PA 16066	Web
We applied for a Commerce Bank loan ( serviced by XXXX XXXX ). They prominently advertise that after 12 months of good payments the co-signer would be released. We called and they confirmed this was correct. When I received the papers, there was no mention of the 12 month co-signer removal. I then called to question it and was read a list of conditions and told it had to be applied for. These conditions gave the bank an out in any circumstance. I cancelled the loan application and am writing to report that there was a definite attempt to deceive me into signing and then never being removed. Im ok with the terms, but the ran my credit, we even called and they confirmed and tried to take advantage of us. The application number was XXXX Thank you. XXXX XXXX XXXX XXXX
02/09/2017	Yes	Bank account or service Checking account	Problems caused by my funds being low	KS 66049	Web
Commerce bank says I have an available balance of XXXX, but they say I 'm overdrawn too. My account never went below zero. They have collected a bunch of tiny transactions for stuff that I purchase everyday. Like eight four dollar lunches. This way they can charge me a fee for each one. Remember my account never went below zero. I have {$200.00} in my wallet. This wo n't help. I could deposit a million bucks at this point in and it would n't help, because for a moment in time by their crazy accounting, I was " overdrawn ''. It is n't even the one transaction for {$300.00} that triggered this that i have to pay for -- it is a bunch of tiny transactions. This way they get to charge me for each one, turning a {$20.00} overdraft fee into a {$200.00} overdraft fee.
07/07/2022	Yes	Checking or savings account Checking account	Managing an account Banking errors	KS 66502	Web
My ATM case number with commerce bank is XXXX On Saturday XX/XX/XXXX at XXXX XXXX I went to the bank ATM on XXXX XXXX XXXX XXXX, XXXX, KS XXXX. I attempted to deposit {$2100.00} through the ATM machine. The machine gave me an error after it took my cash money and said can not complete transaction please communicate with your financial institution. I went to the branch at XXXX XXXX XXXX, XXXX, KS XXXX on Monday XX/XX/XXXX and the representative said they will file an investigation for me, but I had to call in myself to file the investigation. I am in a dire need of the money to pay my bills, and this is unacceptable to have to wait that long without being able to have access to my money due to a machine error that Commerce bank is responsible for
01/31/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL 32724	Web
I am not certain that this is a complaint. I am logging this concern in case other people are noticing the same thing. I mailed ( by XXXX ) three payments to three different creditors at the exact same time ( on a day sometime between XX/XX/23 and XXXX ). Two of the creditors received my checks and posted the payments in a timely fashion. However, it's now XX/XX/23, and Commerce Bank ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX MO XXXX ) still allegedly has not received my XXXX payment. So I've been fined a {$40.00} late fee, and I have now paid it. I find it strange that this has happened, especially since mine is an account on which Commerce Bank is not likely to make the kind of profit ( from interest and/or cash advances ) that they'd hoped to.
05/04/2018	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75048	Web
Divorced in XX/XX/2016 and husband was given the travel trailer by the judge of XXXX County, TX. Judge did not make him sell or refinance the trailer. My lawyer had the judge add wording to protect me and my property from debt collection if the debt went to default. At the request of Commerce Bank I have located my ex-husbands address, work, and phone numbers and given it to Commerce bank. I found out he sold the trailer to his cousins and told Commerce Bank the name of the couple and area where they lived. Commerce Bank did not go get the trailer. Commerce Bank is still posting information on my credit report of past due/ collection/write-off debt and I am afraid the will put a lien on my property or garnish my wages to pay for this.
10/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	OH 43219	Web
I had a credit card with Commerce Bank. As my father passed away on XX/XX/2016, I had to travel to XXXX to attend his funeral. I was living in XXXX for 6 months to handle the legal cases regarding the heritage. Commerce Bank was supposed to send me the e-bills through email because I had enrolled into the electronic statement when I was applying for the credit card. But Commerce Bank stopped to notify during my travel. I became aware of the unpaid balance when I got back to my home in United States in XX/XX/2016 because I received an overdue notification from them in the mail. As soon as I paid off all the balance, they closed my account. I have made several attempts to contact them to dispute the credit reporting, they did not respond.
10/09/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MO 647XX	Web
commerce bank credit card, was original creditor was XXXX a day on my credit card in or around XX/XX/2017. to XXXX XXXX XXXX which i never had an acct. with. i disputed an they said i let someone use my card my wife said which i am not married an it was my girlfriend an she was trying to help m with canceling my credit card after i had suspected bogus charges on several mths before an i worked long hours.contacted local sheriff dept. an they said they never or eldom catch cause internet crime is so hard to trac. so i never reported the crime as i was so busy.know XXXX XXXX XXXX XXXX have taken over an it never was my debt '. an i had always paid my card in full til this debt an know is gon na be on credit an my credit is bad.
06/09/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	KS 662XX	Web
I took a hardship withdrawal from my XXXX account and the funds were sent via ACH from XXXX XXXX XXXX to Commerce Bank. Commerce returned the check when funds were available causing an additional hardship as the monies were for repairs on our home and medical expenses. ACH received on XX/XX/XXXX, Check presented on XX/XX/XXXX and returned the check on XX/XX/XXXX. My wife returned early from being with our son in North Carolina and I returned early from a business meeting in XXXX as a result of this check for {$21000.00} being returned. A call was placed into Commerce on XX/XX/XXXX to the personal banker, no reply. No letters or information has been shared previously indicating that our account was subject to any set off, etc.
05/03/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	UT 84067	Web
I received a mailed promotion from Commerce Bank in XXXX for a credit card with a {$150.00} statement credit after spending {$500.00} within 3 months. By XXXX XXXX , I had reached over {$500.00} in spending. As of XXXX XXXX , I still have never received the {$150.00} credit. I have called Commerce Bank multiple times over the past few months inquiring when I would receive the bonus. Every representative sees the promotion associated with the account, but they tell me to continue waiting. When I called after 2 months, they told me to wait another month. When I called after 3 months, they told me to wait another month. I feel like I 'm getting the runaround and they will never get around to giving me the credit.
06/20/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MO 630XX	Web
I was attempting to settle a debt on a credit card with Commerce bank through XXXX XXXX. I submitted a settlement on the account when contacting them to check on the settlement I was then notified of a {$25.00} demand check card that is owed. I have all of my previous cards from Commerce none matching the numbers provided. And Iv been with XXXX XXXX since leaving Commerce in XXXX 2015. The dates do n't match up, and neither does the card numbers. And this was never mentioned previously to me. They could provide no transaction records or any other information to me. The lady I spoke to said she was n't aware of this account previously. And they will not allow me to settle the credit card debt without this being resolved.
08/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 63755	Web
Sent letters to all three credit Bureaus and Commerce Bank but no actions nor response up yet, Unverified account and inquiries what do not belong to me are listed below is still reporting on my credit report which is a violation of Federal Law. The 3 Credit Bureaus failed to comply with the Federal Credit Reporting Act. I am sending this complaint to ask for your help to remove/update the concerned account listed below that I found inaccurate and unauthorized. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
06/29/2023	Yes	Credit card or prepaid card General-purpose prepaid card	Trouble using the card Trouble getting information about the card	MO 656XX	Web
Hello. On Saturday XX/XX/XXXX I noticed money miss for the XXXX time. I had {$9.00} on the card, then added {$75.00}. But the available balance said I had {$68.00} available. I printed all my statements from the day I opened it on XX/XX/2023. I added up all the debits and all the deposits. There was {$73.00} missing from the card. I went to the bank branch to find out what they could do but since money was missing and it wasn't a specific transaction, they told me they would have to charge {$20.00} an hour to investigate it. I noticed money missing in XXXX, XXXX, XXXX, and another time in XXXX. The bank also printed out all my statements and I added it up there for them ; proving that money was indeed missing.
05/12/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with balance transfer	IL XXXXX	Web	Older American
I first started a balance transfer transaction in XX/XX/XXXX in response to a solicitation from Commerce Bank that went nowhere. I have since tried half a dozen times more. After spending nearly 4 fruitless hours on the phone with various representatives, I was told my card was not valid, despite the fact that Commerce 's automatic system validated it. I was told a new card had been sent out XX/XX/XXXX, but none ever arrived. At no time did Commerce ever try to contact me, despite having all my contact information, to tell me what the problem was. I have since incurred over {$1500.00} in additional interest because of this fraudulent activity on the part of Commerce Bank and I expect to be reimbursed in full.
05/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60707	Web
My personal information was stolen on XX/XX/2016. I received reports from the credit reporting agencies that I had several accounts that were late. Upon checking the report I discovered numerous accounts that were never opened by myself or authorized by me. These accounts were opened using my personal information and ss number. I have reached out to these companies on several occasions and they are still contacting me and still showing up on my credit report. These are not my accounts. I have also mailed in or faxed my police report. Below is the information on the companies and amounts XXXX {$400.00} XXXX XXXX XXXX {$9200.00} XXXX XXXX {$2200.00} Commerce Bank {$2200.00} XXXX {$2200.00} XXXX XXXX {$300.00}
01/25/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MO 63376	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
11/04/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MO 63376	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
09/19/2019	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	AR 727XX	Web
All of my bills are set on auto pay. Business was slow for a week and was waiting to get paid. The bills hit the bank and it pulled my account to - {$1200.00}. With the associated fees of {$37.00} times 13. I had deposits going into the account but with the fees it didnt show positive for two weeks because the fees just kept adding up. I received a letter they are closing my account at the end of the month. Currently there is over {$2400.00} in the account and they will not let me withdrawal or close the account either. I have bills that need to be paid but the bank will not let me have my money. The manager said they will mail me a check after they close the account on the XXXX. Its the XXXX now.
01/31/2018	Yes	Mortgage VA mortgage	Trouble during payment process	MO 630XX	Web	Servicemember
On XX/XX/2017 commerce bank sent me a letter stating that they had projected my escrow a account incorrectly my taxes and insurance went up XXXX dollars each they dropped the ball and didn't adjust the difference in my payment to escrow also I paid in XXXX and they disbursed XXXX which leaves XXXX they said they're was only XXXX left which is incorrect then I've had them for several years and never a problem with escrow now they said I am XXXX short on my escrow and I either need to pay the amount in 30 days or pay and extra XXXX dollars a month on my mortgage which Is ridiculous my wife is XXXX I work full time but we are on a tight budget I can not afford this big of a change in payment
06/30/2020	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with additional products or services purchased with the loan	CO 80602	Web
There was not an appropriate box to check so picked the ones I did. Two things, I have reached out to Commerce bank in regard to my loan asking for specific information and they have not responded. Today I received a notice in the mail notifying me they had purchased auto insurance on my behalf. I already have insurance and they are listed with the provider AND they sent no prior notices about this. Just went ahead and charged for the insurance. This company has proved to take whatever action they wish, whenever they wish without regard for the the consumer. There utter lack of communication is against ethical business practices and I would like this issue noted and investigated.
08/30/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	MO 64133	Web	Servicemember
On XX/XX/XXXX I put a deposit down on a new engine. After a little research, I realized that this was a fraudulent company. I called and canceled within an hour or two. I contacted my bank and let them know I did not want to buy anything from them, XXXX XXXX. My bank hung up on me. They paid XXXX XXXX the {$1600.00} against my wishes on XX/XX/XXXX. I sent a letter to my bank, per the request. They, a few months later, gave me a refund. In XX/XX/XXXX, they took the money again. I had to send them another letter and they are saying they're findings are not in my favor. I never received my money back or any product they charged me {$1600.00} for. My bank is stealing from me.
05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Problem with personal statement of dispute	MO XXXXX	Web
In regards to XXXX that Commerce filed for the account XXXX, can you explain why a credit account that has been piling up balance over many years is reported as a single year cancelled debt. I believe this is wrong and it puts unnecessary burden on the taxpayer who then has to pay the cancelled debt in a single year as if it accrued in a single year. This is not correct representation/reporting. The referenced account has been open for about 10 years during which time the said balance accrued. Reporting it as a single year 2019 cancelled debt makes it seem unjustly as if all of the balance was accrued in 2019 and therefore cancelled debt applies to only that year-2019.
02/21/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	OH XXXXX	Web
I had applied for a Commerce Bank MasterCard ( XXXX XXXX MasterCard ) and my XXXX credit was pulled and I was instantly approved for {$4000.00}. I was sent 2 emails advising I was approved and my account card is on the way. On XX/XX/23 I recieved the card in the mail. I tried to set up online banking as was not able. I called customer service and was told my card was closed on XX/XX/23 without any explanation. I AM DEMANDING THAT THIS ACCOUNT DO NOT APPEAR ON MY CREDIT REPORT, I DEMAND THAT THIS INQUIRY IS REMOVED FROM MY CREDIT REPORT. HOW CAN YOU APPROVE MY ACCOUNT, OPEN IT, THEN CLOSE IT WHILE THE CARD IS IN TRANSIT. I WILL FILE A LAWSUIT IF DEMANDS ARE NOT MET.
10/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 74403	Web
My brother used my information in XXXX XXXX to purchase a vehicle for himself Im guessing about a year almost 2 years ago. He owes over XXXX dollars and I want it off of my credit and out of my name since its his vehicle. He forged my signature and everything. Not once have I ever purchased a car in XXXX XXXXXXXX or even been in one of their car lots. Im not sure what company he purchased the car in my name but its in XXXX somewhere. I guess hes also about 3-4 months behind on his payments and when the bank that has a lean on that car called me, I told them that was not my car and gave them his phone number. I dont have his address or anything but need help asap!
11/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	NE 680XX	Web
I need help with understanding the legal/ethical practice of Commerce Bank repossessing my camper after I had filed for bankruptcy. I have not obtained a clear or accurate definition of how/what occurred. I had not had any contact with Commerce since XXXX, 2016. After receiving their letter informing me of the auction date, I called to inquire and have been given three pieces of information that seem wrong/unethical. 1. We did n't have a number for you. False 2. They could n't contact me due to my bankruptcy. 3. Reported that their documentation stated that I had personally asked to have the camper picked up. False. Please contact with any needed info/questions.
08/16/2018	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	IL 61761	Web
To Whom This May Concern, Last year, XX/XX/XXXX XXXX XXXX, I sent a message through my bank 's online contact service to revoke courtesy overdraft to stop being charged overdraft fees ; however, I recently discovered this was never changed on my account. Therefore, I have been charged overdraft fees ongoing YTD, regardless of my request on XX/XX/XXXX, totaling {$800.00} from my financial institution, Commerce Bank. Prior XX/XX/XXXX I was charged {$460.00} in fees, thus propping my decision to revoke the overdraft protection policy. ( XX/XX/XXXX, {$72.00} ; XX/XX/XXXX, {$35.00} ; XX/XX/XXXX, {$70.00} ; XX/XX/XXXX, {$100.00} ; XX/XX/XXXX, {$0.00} )
01/26/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	IL 60101	Web
Starting to try to close account in which Commerce Bank will not because they say I need to use my reward statements. There is no possible way to contact any number to redeem my rewards ( i want placed toward my balance ) and all the numbers listed do not work or if someone answers they transfer to a line that does not work or have anyone to know how to handle. Days and hours have been spent trying a simple transaction and I believe it is a strategy design to not allow a consumer to close an account with them. Highly illegal and should be looked in to. I am a senior and I am being discriminated against and this bank has illegal practices.
03/28/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	MS 393XX	Web	Older American
A Credit Card account with Commerce Bank in my name appeared on my Credit report as having been opened onXX/XX/XXXX, after I had applied for and I assume was approved for by them. The problem is it is now XX/XX/XXXXand I have not received the card. I am worried it may be lost in the mail and I do not want it to be used fraudulently. I have attempted to contact someone at Commerce who can confirm the fact that the card was actually mailed and that it may be lost. I have emailed them 5 times, but they refuse to acknowledge or answer my emails. I can not understand this lack of concern on their part and do not want my identity compromised.
01/10/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	IL 606XX	Web
I contacted Commerce Bank via online message in late XXXX, XXXX, about an issue with a purchase on my Commerce Bank credit card. However, I have not received any response from Commerce Bank and I also can not find any way to directly initiate a dispute myself using their online portal. The transaction is from XX/XX/XXXX by XXXX for {$240.00}. I have returned this purchase but have been unable to get a refund from the merchant as of today, XX/XX/XXXX. The purchase was returned via XXXX, tracking number is XXXX. Please help me dispute this charge on my Commerce Bank credit card ending XXXX and issue a credit of {$240.00} on my account.
05/06/2017	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MO 64030	Web
I opened an account with Commerce bank. My initial deposit was for the amount of {$450.00}. I then made a second deposit for {$200.00}. I wrote a check for {$90.00}. and one for {$270.00}. and made a withdraw for {$100.00}. Thats a total deposit for {$650.00}. and a total withdraw of {$460.00}. Leaving a balance in the account of {$180.00}. But then the bank decided to shut off my debit card and not allow me access to my remaining funds. I called them to find out what the problem is but the customer service girl just kept repeating that it was at the banks discretion. It does n't make any sense to me.
10/18/2016	Yes	Bank account or service Checking account	Problems caused by my funds being low	MO 63011	Web	Servicemember
My checking account was set up to decline any transactions to include checks, EFTs and debit card purchases when there where insufficient funds. When I went to check my account the other day I noticed that yet again, commerce had allowed these transactions to go thru again even though I had visited the branch the last time this occurred to ensure that this would not happen again. Now there is approximately {$150.00} of overdraft charges on my account the should not have occurred due to the fact that I was assured that it was set up properly to decline any transactions when funds where not available.
10/16/2020	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	MO 63125	Web	Servicemember
Commerce bank once again is charging me XXXX dallors per failed /bounced transaction and most creditors try twice and I have a hard time understanding why when I get paid they can't wait until that day to bill me I been out of work for almost 2 weeks bc of an injury I've paid 10 fees of XXXX dallors a total of XXXX dallors since XX/XX/XXXX and they return XXXX before that so that's another 3 a grand total of 13 {$480.00} dallors in fees in just a little over a month I could have paid my electric bill thats XXXX dallors im in tears right now and don't know what to do again please help me.
07/12/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with rewards from credit card	OK 730XX	Web	Servicemember
Hi, I opened a XXXX XXXX XXXX XXXX XXXX card and completed the requirements to make {$1000.00} in purchases during the first 90 days to earn XXXX bonus points. However, when I tried to redeem the points, I was told that in order to redeem them, I had to first have a stay at a XXXX property. This was not communicated anywhere in the account disclosures, and in addition, the card landing page ( https : //www.commercebank.com/XXXX ) states " Earn XXXX Bonus Points Towards a FREE Night Stay '' which is a false statement because the points can not be redeemed without fulfilling other terms.
07/23/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	OH 45040	Web
Commerce Bank ( XXXX XXXXXXXX ) credit card XXXX XXXX XXXX XXXX Card lowered my credit limit from {$2000.00} t0 XXXX $ overnight, after they received hectic payments lowering my credit balance. It appears that they deliberately lowered my score, when I was trying to pay up the balance lowering my credit balance. I spoke with their CSR for which she replied that they will be sending a letter soon. I think this is an outrageous maneuvre by some credit card companies either for their protection, but will affect a honest credit payers intention to improve his credit go to the ocean.
04/05/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MO XXXXX	Web
Regarding my previous complaint ID XXXX Commerce Bank did not submit charge off documents with dates that show when the account was transferred and when pulled from XXXX XXXX XXXX. My credit history report shows the account was charged off as of XX/XX/2019 ( see attachment ). Previously I had submitted all medical and other documents requested by Commerce Bank in order to assess the appropriate hardship program for my situation. I have been their customer for many years and deserved to be treated with more openness. This request was received but the status remained undisclosed.
09/17/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	MO 65714	Web	Servicemember
Commerce bank reported me 30 days late XX/XX/XXXX I have statements from the bank showing I was current as of XX/XX/XXXX they did the same exact thing to me last year the statement shows I paid but then it was never posted to my bank account if you have a current statement from the bank saying youre at to date how can they reported 30 days late later they have a vendetta with me after closing my checking account last year and they never report my billing statement correctly so they hit me for 230 days late in the last year and its incorrect And hurting my credit score on purpose
10/29/2020	Yes	Checking or savings account Checking account	Managing an account Banking errors	MO 640XX	Web
I use commerce bank. On Monday the XXXX of XXXX i deposited a money order for XXXX into my account. They put a 7 day hold on it for a XXXX reason. They still have not released my money for me to use but they have sure started taking part of it. They keep XXXX my account everyday and changing deposits and transactions around to make my account go negative so they can take more money from me. They are theives and XXXX and someone needs to stop this XXXX before i do. And i do have proof of everything they have done to my account and the money they have stolen from me
09/15/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 92614	Web
I have a Commerce bank XXXX credit card. During the month of XXXX my access to the card was abruptly stopped. i was no longer able to log into my account and was not given information over the phones automated system about my balance or payment. Since then i have tried to reach out to commerce bank to figure out what's going on. I cant make a payment online or over the phone and don't know how much I owe. Commerce bank has reported me as 30 days late on my credit reports. They never sent me a bill statement and don't give me access to my online portal to pay.
06/02/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CO 80013	Web	Older American, Servicemember
The last 6 months of my Commerce Bank statement, I made the minimum payment of {$30.00}. Once they posted the payment was received, then 2 days later showed it was reversed and added a {$30.00} late fee. Called to dispute, but they would not take responsibility blaming some technical issue. Also they have been difficult in helping me to redeem my reward points. Tolerated this unfair mistake, but on my most recent XXXX statement, it happened again. Payment reversed & {$30.00} late fee. Never had an issue like this with the 50 odd credit cards I've used before.
03/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MO 631XX	Web
An account was open in my name by the bank fraudulently and i attempted to investage the problewms 2 years ago when it was first opened and i was not notified of what was going on with the account. Since they have told me the account was properly closed and was no penalties against my name however i viewed my reporr and there is still a closed account with 3 missed payments on a fraud XXXX account with the bank providers. They are in violation of my fcra and i have not got anything in the mail ever in the 2 uears i been fighting them off my name.
01/04/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 27560	Web	Servicemember
Commerce Bancshares, XXXX XXXX They make it extremely difficult to transfer money out of your account, for example when I need to pay rent. With many external transfers they put your transaction on hold. To stop the hold you have to call them and they take forever to answer the phone. Their online platform is clunky and doesnt work half the time. You can not transfer money via mobile. Their daily transfer limits are so low, that I cant pay a mont rent with a single transaction. They often block transaction for the dumbest reasons.
04/07/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 92108	Web
On XXXX, XXXX, and XX/XX/XXXX of 2015. On each month I tried to submit my payment of {$250.00} each month which was on Auto-Bill pay and did not go through. I have reached out to Commerce Bank and they have said for years that they saw that they saw the payment tried to come out when I was banking with them but it was rejected. They never notified me of the rejection and they gave me these 3-30 day late payment marks. I now can not get a mortgage because of these marks on my credit and the company will not help me with this unfair situation.
12/14/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MO 640XX	Web
Debt of XXXX was paid in full on XX/XX/2023. I was told in writing that it would be reported as paid in full within 45 days. They neglected to handle the matter. My credit score has suffered from this account reporting negatively. I called and asked for a correction. It's now the end of the year and it's still reporting negatively. I am now requesting that the account be deleted from all 3 credit bureaus as, this has affected my interest rates on a recent car purchase, slowed my process of securing a home as a first time buyer.
07/23/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	ND 64068	Web
XXXX XXXX, based in XXXX XXXX, MO, does not correctly follow reg E when cardholders contact them regarding unauthorized transactions on their account. The advisers in their fraud department regularly deny cardholders the opportunity to open a fraud case for charges they didn't attempt. There are many excuses and justifications that the call center advisers give as to why they won't start a fraud case, but ultimately they are not correctly following reg E. The advisers know what they're doing isn't allowed, but they do it anyway.
07/26/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	KS 66109	Web
I paid off my car loan five months ago. I have asked 3 times for a lien release. I traded my car to a local dealer who is threatening to repossess my new car because i can not provide them a copy of the title or a lien release on my old car. Each time i call Commerce Bank they tell me that they will process my request and mail it out to me. I called them again today and told them that i need this done today. They refused to accommodate my request and said it would take XXXX to 10 more business days to process the lien release.
07/29/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	IL 606XX	Web
There is a charge on my credit card for a product that I never received and would like to dispute. It is a computer keyboard that was supposed to arrive on XX/XX/2021 but I still have not received it today on XX/XX/2021. The merchant does not respond to any communication. Please dispute {$170.00} charge from XX/XX/2021 from XXXX, XXXX CA XXXX US. I've tried to initiate a dispute online and messaged Commerce Bank customer service as well via the online portal, but neither has been successful for initiating the dispute so far.
09/09/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	NJ 07601	Web
I have got my credit card from Commerce Bank and I can not use it since I have received it. I called the bank customer service holding line for more than 50 minutes couple times each. Then they transfer to another department where I need to hold it for another 30 mins to talk to person then they transfer to another line which goes to voicemail. I specifically requested to take my number and have someone to look into and call me but no one is helping. Seems like the bank has no real intention of helping their customer.
03/24/2022	Yes	Checking or savings account Checking account	Managing an account Banking errors	KS 660XX	Web
The bank processed all the payments I made on one day twice the day of XXXX, take hundreds of dollars extra and leaving my with a negative balance on XXXX. Went to the cafe to purchase my lunch and had my card declined leaving me to return everything and hungry. I called and found it was their mistake, but little care for the problems i faced due to their error and had no controller or action i could take. The best they could do is fix it by the end of the day and return any fees, no offer to help buy my lunch
06/24/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	KS 662XX	Web	Older American, Servicemember
This bank Commerce Bank. Card has not credited my acct of {$380.00} sent to them on XXXX XXXX XXXX fromXXXX XXXX. This was sent as a credit. To my creditcard. I asked XXXX to send s check to home address bit they failed to comply. Aftrr numerous calls to customer service. And spending hours on phone this has not been taken care of. Sent letter to both parties XX/XX/XXXX? I have been a customer with bank since XXXX but. Certainly have not had any respect. XXXX XXXX XXXX XXXX XXXX XXXX ks XXXX cell XXXX XXXX
03/03/2018	Yes	Checking or savings account Savings account	Opening an account Didn't receive terms that were advertised	IL XXXXX	Web
I have opened a money market account with them where they agree to give me XXXX bonus as long as I put XXXX in their account and leave for 90 days. I follow their request and they refuse to give me bonus, claim that I need flyers to have that. However, it was a public offer that post online, and I have confirmed with banker for this as well, they keep that offer online even I tried to resolve the problem with them till XX/XX/XXXX. I am frustrated the bank service can't promise what they have to me.
04/23/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	IL 60453	Web
Today ( Sat. XX/XX/2022 ) I received 2 Commerce Bank Visa Cards which I did not apply for. One of the cards has my name on it ; the other ( same account number ) is a person I do not know. I called 3 different Commerce Bank numbers listed in an attempt to block use of the account. All three numbers resulted in long hold times without being answered. I understand that this occurred on a weekend, but there should be someone available to block this account. There should be a fraud department to help.
01/21/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	UT 84094	Web
Commerce Bank recently closed a credit card I have had with them for almost a decade without telling me. They did this despite always making regular payments on the card. I am current with this card, yet they closed the account without notice sent to me, and when I log into the online portal for this card, there is no indication whatsoever that this account was closed. They do not provide adequate documentation, notice, or have their website reflect what they do behind the scenes in secrecy.
09/15/2023	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	KS 671XX	Web
I XXXX Sulejmani.enter the Commerces bank XXXX XXXX XXXX XXXX XXXX Kansas XXXX, on XX/XX/2023 around XXXX - XXXX I came in the bank to cash a cashier check with a customer copy for XXXX dollars. I then gave them the check and they took it to verify the check. came back to me and gave me a photo copy and claimed my check was fraud. I got the check from my cousin XXXX XXXX who banks with us bank on XXXX XXXX XXXX XXXX Iowa XXXX they then closed my account and took the check from me.
06/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information that should be on the report is missing	MO XXXXX	Web
Commerce Bank filed 1099c that does not show the breakdown of the amounts for debt cancelled- principal versus interest. It is important to breakdown the total into these two categories as not all amounts are taxable. Looking at the way Commerce Bank filed 1099 C with no breakdown for principal and interest all amounts are taxable. It is wrong to list the amounts as they did on 1099C as a lot of it is due to interest. This must be reflected on 1099c form.
12/02/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	CA 93401	Web
The Commerce Bank website has all of my current contact information but my e-statements continue to go to an old email address I no longer actively use. I have tried contacting them online multiple times to resolve this issue but they are unwilling to acknowledge that they are sending the statements to the wrong address. As I am writing this XX/XX/2022, I have been on hold for XXXX minutes waiting to speak with someone to resolve this issue.
11/13/2021	Yes	Money transfer, virtual currency, or money service Foreign currency exchange	Incorrect exchange rate	MO 64014	Web
On XX/XX/2021 we obtained euros from our bank ( Commerce Bank, owned by XXXX XXXX XXXX ) for the purposes of travel. At that time we were charged a rate of {$1.00} for each Euro we purchased. When we returned and cashed in the remainder of euros on XX/XX/2021 we were reimbursed at a rate of {$1.00} per euro. It's our opinion that that was an inequitable return exchange rate. In addition, they would not accept any coins for exchange.
03/22/2022	Yes	Money transfer, virtual currency, or money service Traveler's check or cashier's check	Problem with customer service	MO 641XX	Web
My Commerce bank Exceptional Cashier 's checks processed from and XXXX tax form owed to me for one year XXXX XX/XX/XXXX to XXXX XX/XX/XXXX from Commerce bank, not letting me know when they sent the Exceptional Cashier 's checks payable to me. I want to alert me when they have sent them via email. XXXX XXXX cashier 's check should have been mail printed XX/XX/XXXX and mailed on the XX/XX/XXXX in the amount of {>= $1,000,000}.
06/26/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	IL 601XX	Web
Commerce Bank lowered my credit limit thereby causing my credit score to drop & hurt my credit during COVID time. I have had perfect on-time payment with them, and all other lenders. No missed payment ever, no red accounts on the credit report ever, yet Commerce Bank decided its okay to hurt someone's credit in times of hardship. No other bank has done this, in fact other lenders reduced my APR to help in these hard times.
10/11/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	KS 66223	Web
I had an account opened a XXXX Credit Card ( I believe, it may have been a debit card ) at Commerce Bank, without ever asking for it, similar to those who had accounts opened at XXXX XXXX. This card was offered to me every time I went into the branches, so I know it 's something they were pushing. Without anyone reporting this, we 'll never know if this was one person 's mistake, or a bigger issue, so I want to report it.
04/28/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	IL 60625	Web
I received a letter dated XX/XX/2020 informing me that my credit card was closed. No reason was provided. I had an {$8000.00} line of credit with a XXXX balance and zero late payments. I had been a customer in good standing for 13 years. The closure of the account will harm my credit score and credit in general. Since there was no rationale and I have been an excellent customer I demand my account be reinstated in full.
08/17/2019	Yes	Checking or savings account Checking account	Managing an account Fee problem	MO 641XX	Web
On XX/XX/19, on the Commerce Bank website, I ordered a stop payment on check # XXXX. The webpage did not say there would be a {$30.00} charge for it, and I assumed that it was free. I then found that my account had been charged a {$30.00} fee for the stop payment. The fee should have been disclosed on the web page where I went to order it. If I had known there was any fee, I never would have purchased the stop payment.
09/08/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MO 647XX	Web
My payment was applied by the bank 5 days later than it was received. My mortgage is with the same bank as my checking account. The payments shows as cleared through my account on XXXX/XXXX/2016, however, they did not apply it until 5 days later on XXXX/XXXX/2016. I contacted them through their confidential web service emails, they intend to do nothing about it. This caused 5 extra days of interest to accrue.
03/10/2016	Yes	Bank account or service Checking account	Problems caused by my funds being low	KS 662XX	Web
I just looked at my bank account & saw that a {$2.00} transaction was submitted causing an overdraft of {$36.00} because I was {$1.00} short. I was told it was a paypale transaction. I went to the bank to complain, Commerce Bank and talked to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, KS XXXX ( XXXX ) XXXX & got NO Where. I 'm not an OPT-IN customer. so I would rather of had the transaction rejected.
01/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 620XX	Web
My account with Commerce Bank was the subject of identity theft and fraud. Commerce Bank continues to report invalid and inaccurate information to XXXX. This is despite receipt of my FTC Identity Theft report. I requested protection under 605b, 4-day blocking rule and Commerce Bank has failed to comply. Commerce Bank has also repeatedly failed to send account statements as requested many times.
04/08/2021	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Transaction was not authorized	XXXXX	Web	Older American
the commerce bank XXXX XXXX gives my account on XX/XX/2019 and onXXXX XXXX 2019 the account was emtied as a bank and as a bank invested in my bame without my permiddion here in the neterlands is that puneshable is the bank alowed to do so in usa is also prohibited for you? please help me i have documents if you have en e-mail adres? then i can send you documents XXXX. XXXX. XXXX
03/20/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	CA 90292	Web
I closed my bank account at Commerce Bank in XXXX 2014 - 9 months ago. ( they are a regional bank and i moved across the country XXXX miles from their nearest location ). I recently got a credit report and i noted that Commerce was reporting a 180 day past due balance. I am unable to log into an online portal to see my account balance because my account was closed 9 months ago.
11/07/2016	Yes	Bank account or service Checking account	Problems caused by my funds being low	KS 66049	Web
XXXX charged {$36.00} dollar overdraft fee when my account was never overdrawn. The notice they sent says an item presented for payment on XX/XX/XXXX caused my account to be overdrawn. My statement shows that my balance of {$7.00} and change was added to the paycheck amount that arrived on XX/XX/XXXX. The first thing to come out of that new balance was the overdraft fee.
03/11/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	AR 722XX	Web
See attached letter. Just received the cards, confusing and misleading advertising, thus appears to be fraudulent, thus we cut cards in half and returning to Commerce bank as we received cards today, XXXX. We do not want to do business with this entity and will not be a part of this, and do not agree to the disclosures and advised to cancel account forthwith.
03/23/2017	Yes	Bank account or service Checking account	Using a debit or ATM card	MO 645XX	Web
Our car was stolen with my wallet in it. It had my debit/credit card. The thief used the card via debit several places before we discovered car gone charging XXXX at several stores. Our bank investigator was hateful and denied charges. We reported it stolen with a few hours. The bank denied us and said they wont give us out money back, None of it. Commerce Bank
01/20/2021	Yes	Checking or savings account Checking account	Closing an account Fees charged for closing account	MO 64804	Web
Commerce Bank sent me a 1099c cancelling debt I DO NOT OWE as my account was compromised years ago and charged off at said time due to fraud someone stole my debit card and used it! I refuse and will defend it vigourusly and am not claiming this on my tax return in that it did NOT occur in 2020 but years before. Shame on Commerce Bank DO NOT use them!
06/01/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	OH 44256	Web
I talked to Commerce Bank on XX/XX/2020 and was assured by a representative that my pending loan was canceled. I called to cancel my loan and was assured it was canceled, I got a bill today, because they put it through anyway. They said that record all and therfore the cancelation should be on the recording stating they canceled it as well.
05/03/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with rewards from credit card	CA 94117	Web
I signed up for the XXXX XXXX credit card, which offers XXXX points after spending {$500.00} in the first 90 days. I completed these requirements, but the points did not post ( even after 30 days, as per the terms of the agreement ). I contacted Commerce Bank, who told me to contact XXXX XXXX, who told me to contact Commerce Bank.
05/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 703XX	Web
On XXXX XXXX , 2017 this financial instituti on pulled my credit without my consent. I contacted them twice and they refused to send proof that i gave authorization to do so. I then asked that they contact the credit bureau and retract the inquiry and they again refused. I now beleive that they are in Violation of my rights.
04/04/2022	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	IL 61614	Web
At XXXX XXXX on XX/XX/2022, I deposited {$360.00} in cash at the ATM of Commerce Bank ( XXXX XXXX location ) in XXXX, IL. The bills I deposited were composed of the following 3x {XXXX}, 9x {XXXX}, 3x {XXXX}, 3x {XXXX}. When I deposited this money, the ATM " ate '' the money. I subsequently filed claim ( Case # XXXX ).
09/16/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	MO 63135	Web
Commerce Bank, To whom it may concern Regarding my recent late payments late payment due to medical issues I am requesting late charges be waived and removed from my account. And also removed from the consumer reporting agencies. I would like to have my minimum payment amount lowered. Respectfully, XXXX XXXX XXXX
11/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO XXXXX	Web
1. Reported my account as a deliquent/ closed/ account since XXXX but also 2. Reported the same account as taxable income via 1099C to the IRS. The account can not be smearing the credit history once it is resolved with the consumer and reported as cancelled debt and therefore taxable Income to the IRS.
02/07/2017	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	FL XXXXX	Web
Commerce bank the lender for a buyer has required the Seller to transfer ownership in an LLC as a requirement for the Buyers loan prior to the lender funding the transaction. This highly unusual and unprofessional requirement is predatory at best and puts the Seller at unnecessary risk.
08/07/2017	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	MO 63146	Web
Commerce Bank sent me mailers offering a {$300.00} bonus if I opened a checking account. I complied with all the terms but the bank did not pay the bonus. They tried to find all sorts of excuses for not paying the bonus. After I refuted all the excuses, they stopped answering me.
06/23/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	AR 72712	Web
COMMERCE BANK OF XXXX XXXX AAND XXXX ARE SUBJECT TO CLASS ACTION LITIGATION FOR VIOLATING F.C.R.A. AND T.I.L.A. THE F.C.B.A. AND THE DODD FRANK WALL STREET REFORM & CONSUMER ACT TITLE X. AGAIN AND AGAIN! FAILING TO REFUND ALL FEES ETC..SEE ATTACHED DOCUMENTATION AND LAWSUITS.
08/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48134	Web
Someone tried to open new credit cards and lines of credit in my name and were denied. This caused inquiries to be added to my credit report causing my credit score to go down. Commerce Bank- Hard Inquiry XXXX XXXX- Hard Inquiry XXXX- Hard Inquiry XXXX XXXX- Hard Inquiry
03/28/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MO XXXXX	Web
Commerce Bank sold my account to XXXX XXXX XXXX in 2019. Then they reported my account as cancelled to the IRS. This was wrong as XXXX XXXX XXXX continued collection for this account. IRS is now wanting me to pay taxes for cancelled debt in 2019 for Commerce Bank.
02/22/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MO 63028	Web	Servicemember
I have already addressed this issue, and now commerce bank has put me back on the credit card and also my credit report. Link to last complaint filed- https : //portal.consumerfinance.gov/consumer/s/complaint-detail # XXXX Now it's back on my credit report.
04/22/2020	Yes	Checking or savings account Checking account	Managing an account Fee problem	MO 63125	Web	Servicemember
Multiple fees of {$37.00} for overdraft they won't let me stop or activate overdraft protection horse have a low risk account this fee has happened more than 10 times in the past 12 months I can't do it I'm tired of it that's a lot of money XXXX * XXXX.
02/12/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	MO 656XX	Web
As a result of identity theft and credit card fraud XXXX XXXX rescinded 2 months payments when I tendered a paper check to XXXX XXXX they refused to cash it and what has happened since I believe has been predatory and nefarious https : XXXX
09/29/2019	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 32218	Web
This has been over 12 yrs tgey kerp selling the accoubt to other debts and harnessing me when i was working ... lieing saying the us Marshals was coming to deal with me about the debt ... causing so much aggravation n harrassment.
01/11/2017	Yes	Credit card	Late fee	KS 672XX	Web
Commerce Bank failed to update my address despite multiple requests. They then charged a late fee because I did not receive the bills they continued to send to my prior address, and refused to refund the late fee that they caused.
08/08/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	CA 93401	Web
I've been unable reach the bank after being on hold for over 30 minutes and there is no indication how to close the account online. I tried to close the account based on my previous complaint but was unable to then.
06/05/2023	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	MO 64133	Web	Servicemember
Opened second account after an attempted check fraud. Bill pay wasnt transferred to new account and delay by the bank resulted in late payments which damaged credit and resulted in injury to investment opportunities.
07/31/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MO 64118	Web
I made a cash deposit at the ATM of my bank, Commerce and the put a hold on it. I called them and they said they had to verify a cash deposit. Ive bank with them for six years and never had my cash deposit held.
11/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AR 727XX	Web
COMMERCE BANK PROMISED TO COREECT ALL LATE PAYMENTS ON SAID ACCOUNT NO.XXXX, AND UPDATE ALL 4 BUREAUS TO REFLECT CLOSED, PAYING AS AGREED, NEVER LATE. PLEASE CORRECT TODAY OR DELETE ACCOUNT FROM ALL BUREAUS OR?
10/10/2020	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	FL 32926	Web
Excessive calls 15-20 times a week is harassment for past 60 days. I filed a chapter XXXX bankruptcy already this is a legal violation of my rights. I advised all concerned this is violation of automatic stay.
07/02/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	AR 72712	Web
I FILL OUT ONLINE APPLICATION FOR A CHARITY CARD WITH COMMERCE BANK OF XXXX XXXX AND WAS SUPPOSED TO PULL XXXX, BUT INSTEAD PLULLED XXXX FOR A DIFFERENT CARD FROM COMMERCE BANK OF XXXX AND WAS DENIED.
08/18/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	CA 90731	Web
On XX/XX/XXXX I applied for the XXXX XXXX XXXX XXXX XXXX XXXX credit card backed by Commerce Bank. My XXXX credit file was then hard pulled three ( 3 ) times ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
11/01/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	MO 64081	Web
Commerce bank needs to record a release on instrument XXXX in XXXX county Missouri. Please investigate a payment made in or around XX/XX/XXXX and refund any payment made after XX/XX/XXXX payoff.
05/16/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AR 72761	Web
I CO-SIGNED ON SAID ACCOUNT WITH XXXX XXXX AND SHE FILE CHAPTER XXXX BANKRUPY AND DEBT TO BE DISCHARGED. MY LAWYER STATED THE XXXX SHOULD XXXX TO XXXX AND TAKE MY NAME OFF BILLING.
08/24/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	AR 727XX	Web
COMMERCE BANK FINALLY CORRECTED OUR ON LINE ACCESS! WE WERE UNABLE TO MAKE ON LINE PAYMENTS AND AS A RESULT HAD TO PAY BY U.S. MAIL. ( SEE ATTACHED ). PLEASE CORRECT LATEPAYMENTS.
11/26/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AR 72761	Web
commerce sold the account to XXXX, THIS ACCOUNT WAS DISCHARGE IN XX/XX/2021. WE WILL RE-OPENING XXXX TO FILE ADVERSARY LAWSUITS AGAINST BOTH. SEE ATTACHED
04/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	AR 72712	Web
ON XX/XX/2019 I APPIED FOR THE CHARITY CHARGE CARD BY COMMERCE BANK, THEY PULLED XXXX AND AS A RESULT DENIED ME BECAUSE I HAD NO SCORE SEE ATTACHED.
03/19/2019	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	IL 617XX	Web
On many occasions the bank will post debits from the account first, then charge overdraft fees before posting any credits to the account.
06/29/2023	Yes	Money transfer, virtual currency, or money service Check cashing service	Fraud or scam	IL 616XX	Web
I just happen to over hear slot of people saying other people are cashing checks in my name. And there is more than 1 or more than 10
07/22/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	IL 60439	Web	Older American, Servicemember
I closed my account 3 months ago. I have a credit balance, which they have not returned to me. I just keep getting statements.
12/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75181	Web
I have hard inquiries from car lenders that I did not apply to or give any one permission to use My social security number.
09/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 727XX	Web
CEASE AND DESIST COLLECTIONS ON FRAUDULENT DEBT AND REMOVE ALL CREDIT REPORTING AT ONCE OR BE SUED.
05/10/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	IL 60050	Web
This was discharged in BK in XX/XX/XXXX. However, as of XXXX XXXX they are reporting late payments.
11/15/2022	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	IL 60565	Web
Checking account opened without making inquiry to credit report to verify identity of opener
08/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CO 80909	Web
In XXXX of 2020, Commerce Bank ran a hard inquiry on my credit without my permission.
11/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AR 727XX	Web
XXXX IS REPORTING DUPLICATE UNAUTHORIZED HARD INQUIRIES COMMERCE BANK AND XXXX XXXX.
09/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	MO 641XX	Web
I do not understand why my FICO score has gone down since I pay everything on time.
04/06/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	IL 60050	Web
Still reported missing payments in XXXX after it was discharged in BK in XXXX
08/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AR 72761	Web
THE COOMERCE BANK ACCOUNT WAS XXXX IN XXXX XXXX BK ON XX/XX/2021
02/14/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	UT 84015	Web
Inaccurate items being reported on my credit file. See attached
11/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AR 727XX	Web
COMMERCE BANK, PLEASE CORRECT ALL BUREUS, ESPECIALLY XXXX.
03/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 633XX	Web
Unknown inquiry to credit report.
08/05/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	MO 64151	Web	Older American, Servicemember
Was scammed by a XXXX.
01/26/2024	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	IL 618XX	Web

01/26/2024	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MO 63304	Web

01/25/2024	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	IL 618XX	Web

01/20/2024	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	MI 48430	Web

01/19/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 650XX	Web

01/18/2024	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	MO 63368	Web

01/12/2024	Yes	Prepaid card General-purpose prepaid card	Trouble using the card Trouble using the card to spend money in a store or online	KS 67213	Web

01/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 63025	Web

01/11/2024	Yes	Prepaid card General-purpose prepaid card	Trouble using the card Trouble using the card to spend money in a store or online	KS 67213	Web

01/09/2024	Yes	Credit card General-purpose credit card or charge card	Closing your account Can't close your account	OK 74021	Phone	Older American

01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	KS 66106	Web

12/29/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Problem with balance transfer	IL 61874	Phone

12/29/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	MO 63028	Web

12/12/2023	Yes	Checking or savings account Savings account	Managing an account Funds not handled or disbursed as instructed	KS 66502	Web	Older American, Servicemember

12/04/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	KS 662XX	Web	Older American

11/23/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	KS 66607	Web	Servicemember

11/07/2023	Yes	Checking or savings account Checking account	Closing an account Company closed your account	MO 63129	Web

11/06/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	KS 66106	Phone

10/02/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	KS 66086	Web	Older American, Servicemember

09/12/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CO 80516	Web

09/11/2023	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	MO 63785	Phone

09/05/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	FL 34285	Phone	Older American, Servicemember

08/31/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure	MO 634XX	Web	Older American

08/31/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	MO 63107	Phone	Older American, Servicemember

08/15/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	KS 66062	Web

07/20/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MO 63134	Phone

07/06/2023	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	MO 63123	Referral

06/17/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	CA 95124	Web	Older American

06/08/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	MO 64113	Web

06/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60091	Web

06/07/2023	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	LA 70458	Web

05/30/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	TX 76013	Web

04/22/2023	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 32174	Web

04/13/2023	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	LA 70458	Web

03/23/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 78245	Phone

03/20/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	IL 60007	Web

03/17/2023	Yes	Money transfer, virtual currency, or money service Traveler's check or cashier's check	Confusing or missing disclosures	CA 91767	Web Referral

03/12/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Money was taken from your account on the wrong day or for the wrong amount	MO 63028	Web

02/15/2023	Yes	Checking or savings account Other banking product or service	Opening an account Didn't receive terms that were advertised	IL 61761	Web	Servicemember

01/06/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	TX 78759	Web

12/13/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	CA 90027	Web

12/09/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	OK 73071	Web

11/19/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MO 64056	Web	Older American, Servicemember

11/14/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	KS 66030	Web

10/17/2022	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	IA 50263	Postal mail	Older American

10/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 63108	Web

10/12/2022	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	MO 64127	Web

09/16/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	MO 63116	Phone

09/13/2022	Yes	Checking or savings account Checking account	Managing an account Fee problem	MO 64014	Referral

08/23/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	MO 63113	Phone

08/23/2022	Yes	Checking or savings account Checking account	Managing an account Banking errors	MO 65803	Phone	Older American

08/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AR 72422	Web	Servicemember

08/04/2022	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	MO 63123	Web

08/01/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	KS 67213	Web

07/28/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MN 56007	Phone

07/05/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	KS 66066	Web

06/22/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	MO 63107	Phone

06/17/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	MO 63901	Referral

06/15/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	TX 76016	Phone

06/10/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 93962	Phone	Older American, Servicemember

05/22/2022	Yes	Checking or savings account Checking account	Managing an account Cashing a check	CO 80211	Referral

05/16/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	IL 61353	Web

05/05/2022	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	OK 74604	Referral

05/02/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MO 63131	Referral

04/16/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	IN 46158	Web

04/13/2022	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	MO 64064	Referral

04/13/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MO 65802	Referral

04/11/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	IL 61554	Web

03/31/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NY 13669	Referral

03/28/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	VA 20155	Web

02/25/2022	Yes	Money transfer, virtual currency, or money service Money order	Lost or stolen money order	KS 66044	Referral

02/25/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	SC 29578	Referral

02/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MO 64114	Web

02/03/2022	Yes	Checking or savings account Checking account	Closing an account Can't close your account	CA 93422	Referral

01/25/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	IL 62269	Phone	Older American

01/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NE 68123	Referral

01/11/2022	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	KS 66049	Referral

01/08/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	MO 63134	Web

01/03/2022	Yes	Checking or savings account Checking account	Managing an account Cashing a check	MO 64082	Phone

12/29/2021	Yes	Checking or savings account Checking account	Closing an account Company closed your account	MO 64106	Referral

12/02/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	MA 01748	Web

11/22/2021	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	GA 30340	Referral

11/17/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	MO 63128	Referral

11/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 47715	Postal mail

11/10/2021	Yes	Checking or savings account Other banking product or service	Managing an account Cashing a check	MO 64082	Referral

10/18/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CO 80203	Referral

09/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10027	Web

09/21/2021	Yes	Checking or savings account Checking account	Closing an account Can't close your account	KS 66062	Referral

09/09/2021	Yes	Checking or savings account Checking account	Problem caused by your funds being low Bounced checks or returned payments	KS 66212	Web

09/03/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NY 10025	Referral

09/02/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33872	Web

08/25/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	MO 63116	Web

08/11/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	KS 66212	Referral

08/10/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MO 64501	Referral

08/05/2021	Yes	Checking or savings account Checking account	Managing an account Fee problem	MO 63042	Postal mail

07/29/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	MO 63944	Phone	Servicemember

07/27/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	FL 33872	Web

07/26/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MO 64112	Referral

07/23/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IN 46056	Web

07/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37303	Web

07/12/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	KS 66503	Referral

07/09/2021	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	MO 63051	Web	Servicemember

06/28/2021	Yes	Checking or savings account Checking account	Managing an account Fee problem	KS 66061	Web

06/08/2021	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	MO 63129	Referral

06/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MO 64137	Web

05/07/2021	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	NY 11365	Web

04/26/2021	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	MO 63301	Web

04/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76504	Web

04/09/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals		Referral

04/09/2021	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	MO 64841	Referral

03/30/2021	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	KS 66208	Web	Older American

03/18/2021	Yes	Checking or savings account Checking account	Managing an account Fee problem	MO 65801	Referral

03/10/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	MO 63005	Referral

03/03/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MO 65201	Referral

03/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 90047	Web

02/19/2021	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	KS 67205	Web

02/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 63010	Web	Older American

02/10/2021	Yes	Checking or savings account Savings account	Opening an account Didn't receive terms that were advertised	MO 64030	Referral

02/10/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	MO 63125	Referral

02/05/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off		Phone	Older American

01/20/2021	Yes	Checking or savings account Checking account	Managing an account Banking errors	MO 66103	Referral

01/12/2021	Yes	Checking or savings account Checking account	Closing an account Can't close your account	MO 641XX	Web

01/11/2021	Yes	Checking or savings account Checking account	Managing an account Banking errors	TX 77423	Referral

12/31/2020	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	MO 63125	Phone	Servicemember

12/11/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	MO 64082	Referral

12/11/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	CO 81004	Referral

12/04/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TN 37086	Web

11/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85323	Web

11/13/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement		Phone	Older American

09/30/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	WI 53719	Web

08/28/2020	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	KS 67026	Phone

08/28/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 95382	Referral

07/30/2020	Yes	Checking or savings account Savings account	Managing an account Fee problem	IL 61761	Referral

07/24/2020	Yes	Checking or savings account Other banking product or service	Opening an account Unable to open an account	DC 20008	Phone	Servicemember

07/22/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	FL 32259	Web	Servicemember

07/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	XXXXX	Web	Servicemember

07/10/2020	Yes	Checking or savings account Savings account	Problem with a lender or other company charging your account Transaction was not authorized	NC 27539	Phone

06/26/2020	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	MO 64061	Referral

06/13/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	MO 64131	Web

06/11/2020	Yes	Checking or savings account Checking account	Managing an account Fee problem	KS 66048	Referral

06/03/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	MO 63366	Referral

05/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	KY 42025	Web

05/13/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	NC 27052	Referral

05/11/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	KS 67568	Referral

05/07/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	MO 65459	Referral

05/07/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due		Phone	Older American

04/24/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MO 63106	Referral

04/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91911	Web

04/10/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	AZ 85323	Web

04/10/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 60707	Web

03/26/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 93109	Postal mail

03/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	MO 63126	Web

03/02/2020	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	MO 63801	Phone

02/28/2020	Yes	Checking or savings account Checking account	Improper use of your report Credit inquiries on your report that you don't recognize	OK 74464	Referral

02/25/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MO 65548	Referral

02/03/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MO 64064	Referral

01/23/2020	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	MO 64152	Referral

01/21/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with rewards from credit card	TX 78756	Referral

01/15/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	MO 64150	Referral

01/13/2020	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	KS 66210	Referral

01/03/2020	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	MO 64150	Referral

12/13/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	PA 19104	Web

12/05/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	MO 63932	Referral

11/14/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	KS 66210	Referral

11/14/2019	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Deposits or withdrawals	MO 65610	Referral

11/08/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	KS 66204	Web	Servicemember

10/15/2019	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	MO 63033	Referral

09/30/2019	Yes	Checking or savings account Savings account	Managing an account Problem accessing account	IL 62234	Phone

09/24/2019	Yes	Checking or savings account Checking account	Opening an account Confusing or missing disclosures	MO 65804	Referral

09/16/2019	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	NY 11365	Web

09/07/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	KS 66061	Web

09/05/2019	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	MO 65270	Referral

09/04/2019	Yes	Checking or savings account Checking account	Opening an account Confusing or missing disclosures	MO 63105	Web

08/10/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	MN 55014	Web

08/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 63935	Phone

07/24/2019	Yes	Checking or savings account Other banking product or service	Closing an account Can't close your account	VA 22551	Web

07/09/2019	Yes	Checking or savings account Checking account	Managing an account Banking errors	MO 63303	Phone

06/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	IL 60302	Web

06/14/2019	Yes	Checking or savings account Checking account	Managing an account Fee problem	KS 66207	Referral

05/28/2019	Yes	Checking or savings account Checking account	Managing an account Fee problem	MO 63390	Referral

05/28/2019	Yes	Checking or savings account Checking account	Managing an account Banking errors	KS 66044	Referral

05/23/2019	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees		Phone

05/09/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information is missing that should be on the report	AR 72751	Referral

05/03/2019	Yes	Checking or savings account Other banking product or service	Managing an account Cashing a check	MO 63136	Referral

04/25/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	TN 37303	Web

04/16/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	TX 78645	Web

04/16/2019	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	MO 63138	Referral

04/06/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	CO 80125	Web

04/04/2019	Yes	Checking or savings account Checking account	Managing an account Banking errors		Phone	Older American

03/17/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	CO 80249	Web	Servicemember

03/14/2019	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	MO 64165	Referral

03/13/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	MO 63028	Postal mail	Older American

03/13/2019	Yes	Checking or savings account Other banking product or service	Managing an account Cashing a check	MO 63034	Referral

03/12/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	CA 95821	Referral

03/11/2019	Yes	Checking or savings account Savings account	Managing an account Banking errors	MO 64165	Referral

02/18/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	TN 37303	Web

02/07/2019	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	MO 64130	Web

02/05/2019	Yes	Credit card or prepaid card Gift card	Unexpected or other fees	SC 29732	Phone	Older American

01/25/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	IL 60707	Web

01/22/2019	Yes	Checking or savings account Checking account	Managing an account Banking errors	KS 66227	Referral

12/27/2018	Yes	Checking or savings account Checking account	Managing an account Banking errors		Phone

12/14/2018	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	IL 60067	Referral

11/15/2018	Yes	Checking or savings account Checking account	Managing an account Banking errors		Phone	Servicemember

11/15/2018	Yes	Checking or savings account Other banking product or service	Managing an account Cashing a check	KS 66048	Referral

09/07/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CO 80307	Web

08/29/2018	Yes	Checking or savings account Checking account	Managing an account Fee problem	MO 64052	Referral

07/13/2018	Yes	Checking or savings account Checking account	Closing an account Can't close your account	IL 60622	Web

07/10/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	MO 64123	Referral

07/06/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	IN 46217	Referral

07/03/2018	Yes	Checking or savings account Checking account	Managing an account Fee problem	MO 65714	Referral

07/02/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MO 65802	Referral

06/27/2018	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	MO 64061	Referral

06/01/2018	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees		Phone

05/15/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	TX 78746	Referral

05/12/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	CA 92249	Web

05/08/2018	Yes	Checking or savings account Checking account	Managing an account Banking errors	MO 63130	Referral

04/25/2018	Yes	Checking or savings account Savings account	Managing an account Problem using a debit or ATM card	MO 64137	Referral

04/06/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	MS 39335	Referral

04/02/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	MS 39335	Referral

03/28/2018	Yes	Checking or savings account Checking account	Managing an account Cashing a check	MO 63072	Referral

03/26/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Charged too much interest	KS 66227	Referral

03/16/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MO 63138	Fax

03/03/2018	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	MO 63122	Web

03/01/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	NC 27513	Postal mail

02/26/2018	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	KS 66012	Referral

02/23/2018	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	KS 66046	Referral

02/15/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	KS 66713	Postal mail

02/03/2018	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	IL 62269	Web

01/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 63111	Web

01/24/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	KS 66213	Referral

01/04/2018	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	IL 60646	Referral

01/04/2018	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	IL 61554	Referral

12/21/2017	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	IL 60613	Web

12/21/2017	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals		Referral

12/20/2017	Yes	Checking or savings account Checking account	Closing an account Can't close your account	MD 20832	Web

12/19/2017	Yes	Checking or savings account Other banking product or service	Problem caused by your funds being low Overdrafts and overdraft fees	IL 62206	Referral

12/18/2017	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MO 63042	Phone

12/07/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Overcharged for something you did purchase with the card	OH 43615	Postal mail

12/07/2017	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	MO 63134	Referral

12/01/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 63366	Web

11/29/2017	Yes	Checking or savings account Checking account	Managing an account Banking errors	MO 64116	Referral

11/24/2017	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	MO 63141	Web

10/31/2017	Yes	Checking or savings account Checking account	Managing an account Banking errors		Referral

10/27/2017	Yes	Checking or savings account Checking account	Managing an account Fee problem	KS 67846	Referral

10/24/2017	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	MO 63123	Referral

10/16/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	MO 64138	Referral

10/10/2017	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX 76086	Web

09/28/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	IL 62568	Phone

09/28/2017	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	MO 65807	Referral

09/11/2017	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	MO 64053	Referral

07/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77072	Web

07/12/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	CO 80128	Referral

06/28/2017	Yes	Mortgage Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	MO 63303	Phone

06/27/2017	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	KS 66502	Web

06/19/2017	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	MO 64030	Referral

06/19/2017	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	MO 63031	Referral

06/15/2017	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	KS 66061	Referral

06/02/2017	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	KS 67530	Web

05/24/2017	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MO 63132	Referral

05/24/2017	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	MO 65809	Referral

05/21/2017	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	MO 63114	Referral

05/18/2017	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	MO 63129	Phone

05/10/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	OK 74012	Web

05/02/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	MS 63026	Web

04/20/2017	Yes	Bank account or service Checking account	Making/receiving payments, sending money		Referral

04/18/2017	Yes	Bank account or service Checking account	Account opening, closing, or management	MO 64111	Referral

03/30/2017	Yes	Bank account or service Checking account	Using a debit or ATM card	MO 64117	Web

03/22/2017	Yes	Bank account or service Checking account	Account opening, closing, or management	MO 65401	Web

03/21/2017	Yes	Credit reporting	Incorrect information on credit report Account terms	IL 61562	Web

03/13/2017	Yes	Bank account or service Checking account	Account opening, closing, or management	KS 67846	Referral

03/09/2017	Yes	Credit reporting	Incorrect information on credit report Account status	IL 60090	Fax

03/03/2017	Yes	Bank account or service Checking account	Problems caused by my funds being low	KS 66049	Web

02/28/2017	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	CO 80231	Fax

02/27/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 92019	Referral

02/24/2017	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	MO 64124	Referral

02/21/2017	Yes	Bank account or service Checking account	Account opening, closing, or management		Referral

02/16/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	WI 54729	Referral

02/16/2017	Yes	Bank account or service Other bank product/service	Problems caused by my funds being low	MO 64030	Referral

02/15/2017	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	MO 63108	Referral

01/23/2017	Yes	Bank account or service Other bank product/service	Problems caused by my funds being low	NJ 07417	Referral

01/04/2017	Yes	Credit card	Other	KS 66007	Web

12/13/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	IL 61705	Referral

11/15/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	MO 65536	Web	Servicemember

11/03/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	IN 47725	Web

10/28/2016	Yes	Bank account or service Other bank product/service	Problems caused by my funds being low	MO 63114	Referral

10/21/2016	Yes	Bank account or service Checking account	Problems caused by my funds being low	MO 64119	Referral

10/14/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MO 63304	Web

10/06/2016	Yes	Bank account or service Other bank product/service	Problems caused by my funds being low	MD 21921	Referral

10/05/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	DC 20003	Web

10/05/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	NV 89102	Web

09/22/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	UT 84078	Referral

09/12/2016	Yes	Credit card	Other	TN 37110	Referral

08/12/2016	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	MO 64118	Web

08/12/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	MO 64111	Web

08/08/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	MO 64114	Referral

08/07/2016	Yes	Bank account or service Checking account	Problems caused by my funds being low	MO 64055	Web

07/29/2016	Yes	Bank account or service Savings account	Account opening, closing, or management	MO 64108	Referral

07/20/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	MO 65203	Referral	Older American, Servicemember

07/16/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	MO 63011	Web	Servicemember

07/07/2016	Yes	Credit card	Closing/Cancelling account	MO 65302	Referral

06/06/2016	Yes	Bank account or service Checking account	Using a debit or ATM card	KS 66204	Phone

06/01/2016	Yes	Bank account or service Checking account	Problems caused by my funds being low	KS 67277	Referral

06/01/2016	Yes	Bank account or service Checking account	Problems caused by my funds being low	IL 61761	Referral

04/07/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	MO 63303	Web

04/01/2016	Yes	Bank account or service Checking account	Making/receiving payments, sending money	KS 66219	Web

04/01/2016	Yes	Credit card	Identity theft / Fraud / Embezzlement	IA 52658	Postal mail

03/21/2016	Yes	Credit card	Billing disputes	MO 64086	Web

03/12/2016	Yes	Credit card	Billing disputes	TX 75025	Web

03/09/2016	Yes	Bank account or service Savings account	Problems caused by my funds being low	IL 61701	Referral

02/17/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	MI 64134	Referral

02/16/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	MO 63020	Web

02/10/2016	Yes	Credit card	Identity theft / Fraud / Embezzlement	MO 64015	Referral

02/10/2016	Yes	Credit card	Other	IN 46725	Web

01/29/2016	Yes	Credit card	Credit card protection / Debt protection	KY 41016	Web

12/11/2015	Yes	Credit card	Delinquent account	SD 57401	Web

11/02/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	KS 67277	Referral

10/31/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	MO 63368	Web

10/26/2015	Yes	Credit card	Rewards	MN 56458	Phone	Older American, Servicemember

10/26/2015	Yes	Bank account or service Checking account	Using a debit or ATM card	MO 63109	Referral

10/22/2015	Yes	Credit card	Other	TX 75287	Web

10/21/2015	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	MO 64725	Postal mail

10/21/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	OK 73119	Postal mail

10/21/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	MO 64701	Referral

10/08/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	MO 64015	Referral

10/01/2015	Yes	Bank account or service Checking account	Making/receiving payments, sending money	WI 53406	Referral

09/29/2015	Yes	Credit card	Payoff process	WA 98375	Web

08/17/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	MO 64082	Referral

08/13/2015	No	Consumer Loan Vehicle loan	Managing the loan or lease	MO 64155	Phone

08/03/2015	Yes	Money transfers International money transfer	Money was not available when promised	MO 64117	Referral

07/14/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	TX 75901	Referral

07/11/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	KS 66762	Web

07/06/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	WA 98109	Phone

06/24/2015	No	Consumer Loan Vehicle loan	Managing the loan or lease	MO 63028	Phone

06/10/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	KS 66203	Referral

06/05/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AR 72901	Referral

05/29/2015	Yes	Mortgage Home equity loan or line of credit	Application, originator, mortgage broker	MO 63011	Web

05/19/2015	Yes	Bank account or service Cashing a check without an account	Making/receiving payments, sending money	MO 65802	Web

04/22/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	MO 63115	Postal mail

04/21/2015	Yes	Bank account or service Checking account	Using a debit or ATM card	MO 63146	Web

04/08/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	IL 61776	Referral

04/08/2015	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	CO 80010	Phone	Older American

04/06/2015	Yes	Credit card	Convenience checks	MN 55405	Referral

03/26/2015	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	NE 68510	Referral

03/23/2015	Yes	Bank account or service Checking account	Using a debit or ATM card	KS 66215	Referral

03/17/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	MO 63104	Phone

03/10/2015	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	WI 53959	Referral

03/07/2015	Yes	Credit card	Advertising and marketing	NY 12542	Web

02/23/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	WA 98415	Web

02/20/2015	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	TX 75052	Web

01/30/2015	No	Bank account or service Checking account	Using a debit or ATM card	MO 65284	Web

01/23/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	MO 63640	Phone

01/21/2015	Yes	Bank account or service Checking account	Problems caused by my funds being low	MO 63113	Web

01/21/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	MO 64132	Phone	Older American

12/29/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	MO 63126	Referral

12/15/2014	Yes	Bank account or service Checking account	Making/receiving payments, sending money	IN 61603	Referral

12/11/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	MO 64155	Web

11/28/2014	Yes	Debt collection Auto	False statements or representation Indicated shouldn't respond to lawsuit	LA 70592	Web

11/19/2014	Yes	Credit card	APR or interest rate	IL 62301	Referral

11/17/2014	Yes	Bank account or service Checking account	Using a debit or ATM card	MO 63031	Web

11/02/2014	Yes	Bank account or service Checking account	Problems caused by my funds being low	MO 63123	Web

10/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	MO 63135	Web

10/27/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	MO 64701	Referral

10/10/2014	No	Mortgage Other mortgage	Loan servicing, payments, escrow account	MO 63385	Postal mail

10/10/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me instead of my attorney	IL 60148	Web

10/03/2014	Yes	Credit card	Credit line increase/decrease	KS 67432	Postal mail

09/22/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	KS 66214	Web

09/13/2014	No	Consumer Loan Vehicle loan	Managing the loan or lease	KS 66221	Web

08/14/2014	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	KS 67205	Referral

08/12/2014	Yes	Credit card	Late fee	IL 62650	Web

08/11/2014	Yes	Bank account or service Checking account	Problems caused by my funds being low	MO 64130	Referral

08/08/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MO 64081	Web

07/28/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	MO 63301	Referral

07/21/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	VA 20186	Web

07/08/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	XXXXX	Referral

07/08/2014	Yes	Credit card	Identity theft / Fraud / Embezzlement	MN 55105	Web

06/29/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	CA 92112	Web

06/24/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	MO 63113	Web	Older American

06/12/2014	Yes	Debt collection Auto	Improper contact or sharing of info Talked to a third party about my debt	KS 66202	Web

06/11/2014	Yes	Credit card	Customer service / Customer relations	MO 64112	Referral

06/05/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	KS 66217	Referral

06/02/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	KS 66223	Referral

05/27/2014	Yes	Mortgage Other mortgage	Settlement process and costs	MO 64081	Web

05/21/2014	No	Bank account or service Checking account	Deposits and withdrawals	KS 66206	Referral

05/06/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management		Referral

04/08/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	WI 54311	Web

04/07/2014	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	KS 66224	Referral

03/29/2014	Yes	Credit card	Closing/Cancelling account	TX 78641	Web

03/26/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	MO 63130	Web

03/19/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	MO 65251	Web

03/13/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	MO 64744	Web

03/11/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MN 55125	Web

03/07/2014	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	MO 64081	Web

02/22/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	KS 66213	Web

02/21/2014	Yes	Bank account or service Savings account	Deposits and withdrawals	NY 10031	Referral

02/12/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	MO 63130	Web

02/07/2014	Yes	Credit card	Unsolicited issuance of credit card	KS 67220	Referral

02/04/2014	Yes	Credit card	Advertising and marketing	CO 80918	Referral

01/29/2014	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	TX 75483	Web

01/03/2014	Yes	Credit card	Credit determination	MO 64744	Web

12/20/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	MO 65556	Referral

12/02/2013	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	AL 35242	Web

11/16/2013	Yes	Credit card	Payoff process	OH 45121	Web

11/13/2013	Yes	Consumer Loan Personal line of credit	Account terms and changes	OK 74331	Referral

10/31/2013	Yes	Bank account or service Checking account	Deposits and withdrawals	KS 66106	Referral

10/31/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MO 64079	Web

10/29/2013	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	MO 65807	Web

09/30/2013	Yes	Mortgage Other mortgage	Other	KS 66502	Postal mail

09/19/2013	Yes	Bank account or service Checking account	Using a debit or ATM card	MO 63121	Web	Older American

09/19/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	MO 65804	Referral

08/03/2013	Yes	Bank account or service Checking account	Making/receiving payments, sending money	KS 67205	Web	Older American

07/31/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	SC 29466	Referral

07/29/2013	Yes	Credit card	Billing disputes	IA 50323	Web	Older American

07/01/2013	Yes	Bank account or service Checking account	Problems caused by my funds being low	MO 64116	Referral

06/17/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	MO 65203	Postal mail

06/05/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	TX 78753	Referral

05/31/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	KS 66224	Referral

05/16/2013	Yes	Credit card	Collection practices	IA 50226	Web

05/14/2013	Yes	Credit card	Credit determination	IL 60007	Web

05/02/2013	No	Credit card	Balance transfer	TX 75013	Web

04/26/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	KS 66212	Referral

04/24/2013	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	MO 63122	Phone

04/15/2013	Yes	Bank account or service Checking account	Deposits and withdrawals	MO 63126	Referral

03/29/2013	Yes	Consumer Loan Installment loan	Managing the loan or lease	KS 66502	Referral

03/22/2013	Yes	Credit card	Other	TX 76549	Web	Servicemember

03/22/2013	Yes	Credit card	Billing statement	KS 66061	Web

03/12/2013	Yes	Credit card	Credit reporting	KS 67230	Web

03/05/2013	Yes	Credit card	Closing/Cancelling account	MO 64080	Web

02/16/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	MO 63028	Web

02/12/2013	Yes	Bank account or service Checking account	Deposits and withdrawals	KS 66217	Phone

02/11/2013	Yes	Bank account or service Checking account	Problems caused by my funds being low	MO 65803	Web

01/26/2013	Yes	Credit card	Closing/Cancelling account	TX 78230	Web	Older American

01/24/2013	Yes	Credit card	Identity theft / Fraud / Embezzlement	TX 75056	Web

01/08/2013	Yes	Credit card	Customer service / Customer relations	MI 64114	Referral

01/08/2013	Yes	Credit card	Late fee	IL 60053	Referral

10/10/2012	Yes	Mortgage Other mortgage	Settlement process and costs	MO 65302	Referral

10/09/2012	Yes	Bank account or service Checking account	Using a debit or ATM card	MO 64058	Web

09/28/2012	Yes	Bank account or service Checking account	Deposits and withdrawals	KS 66205	Web

09/24/2012	Yes	Bank account or service Checking account	Deposits and withdrawals	MO 63118	Referral

09/23/2012	Yes	Consumer Loan Personal line of credit	Problems when you are unable to pay	KS 66224	Web

09/23/2012	Yes	Credit card	Billing disputes	MO 63366	Web	Older American

09/18/2012	Yes	Credit card	Billing disputes	FL 32730	Web

08/25/2012	Yes	Bank account or service Checking account	Making/receiving payments, sending money	MO 64110	Web

07/31/2012	Yes	Bank account or service Checking account	Problems caused by my funds being low	MO 63401	Referral

07/23/2012	Yes	Bank account or service Checking account	Problems caused by my funds being low	MO 65401	Web

07/20/2012	Yes	Bank account or service Checking account	Account opening, closing, or management	KS 60048	Phone

07/12/2012	Yes	Bank account or service Checking account	Account opening, closing, or management	MO 63123	Referral

07/11/2012	Yes	Credit card	Collection debt dispute	WA 98370	Web	Older American

06/22/2012	Yes	Credit card	APR or interest rate	FL 32808	Web

06/14/2012	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	IL 62262	Web

06/08/2012	Yes	Consumer Loan Personal line of credit	Managing the line of credit	NV 89144	Referral

06/05/2012	Yes	Bank account or service Checking account	Account opening, closing, or management	TX 75211	Referral

06/05/2012	Yes	Consumer Loan Personal line of credit	Managing the line of credit	KS 66046	Referral

05/17/2012	Yes	Bank account or service Checking account	Problems caused by my funds being low	KS 67601	Referral

05/15/2012	No	Bank account or service Savings account	Problems caused by my funds being low	KS 67501	Referral

05/15/2012	Yes	Credit card	Collection practices	WA 98370	Referral

05/11/2012	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 75167	Phone

03/30/2012	Yes	Bank account or service Checking account	Account opening, closing, or management	DC 20002	Referral

03/27/2012	Yes	Bank account or service Checking account	Deposits and withdrawals	MP 63010	Phone	Servicemember

03/24/2012	Yes	Bank account or service Checking account	Problems caused by my funds being low	MO 63011	Web

03/20/2012	Yes	Bank account or service Checking account	Account opening, closing, or management	KS 66062	Referral

03/14/2012	Yes	Credit card	Credit determination	IL 62223	Referral

03/05/2012	Yes	Bank account or service Checking account	Deposits and withdrawals	MO 63116	Web

02/23/2012	Yes	Credit card	Credit reporting	WA 98370	Referral

02/01/2012	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	MO 63628	Referral

01/22/2012	Yes	Credit card	Unsolicited issuance of credit card	MO 63109	Referral