Commerce bank

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1.3 out of 5, based on 3 ratings and
21 reviews & complaints.

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Commerce bank is tricky
Posted by on
Rating: 2/51
MISSOURI -- I agree with you that commerce bank is tricky. I have been with them for about 6 years and they will do everything in their power to overdraft you. I have had debits appear in the pending section, then disappear and reappear in processed section a week later more times than I can count. If you put a deposit in and go spend the money they will always process the debit before the deposit and the tellers are always rude when you call them. I also have problems with their monthly charges. Mine always come out on random days (meaning it could be the 20th of the month or the last day, there is no scheduled day) and it will always be when you account reaches under a certain dollar amount as if the computer is set up to take it out when its about $15 and you make a purchase. The $10 monthly fee (which I think is b. s) comes out before the debit every time. also these monthly fees just started appearing out of nowhere. I signed up for free checking and when I called up to ask why is there service charges the teller just played stupid and said "that's how its always been" keep in mind I had been banking with them for nearly 4 years at the time. I don't really understand how they can change the agreement that you signed up for but they did. I mean really is that even legal? Isn't there a law that says you are grandfathered in? If you are banking with commerce (or comi bank that we jokingly call it in our house)I would recommend keeping a check book and documenting your spending, don't rely on their online banking. In my opinion it is designed to overdraft you, not help you. And as far as people on here saying you should have "X" about of dollars in your account at all times, not everyone has money to leave in the bank. I single handedly support my family and live paycheck to paycheck so these $35 to me is a lot when I have food to buy or clothes for my child so please don't be so condescending.
Rude and Harassing Collection Procedures
Posted by on
I have been with the Downtown Branch of Commerce Bank for about 8 years or so.

I have my VISA Card with them, and a high credit limit.

For two consecutive months I have not received a bill on my Commerce Bank VISA, and it has nothing to do with the Post Office because I have NEVER had a problem with them, and ALL my other mail and bills have arrived timely.

Please Note: The people at the St Louis Downtown Branch are wonderful, friendly and helpful and very responsive, especially Jan Robertson. I have absolutely no complaint about them.

HOWEVER, Kansas City is apparently staffed by quite a few "jerks" who seem to care nothing for your problems when you call them.

EACH TIME they have failed to send me my VISA bill, they have tacked a $35 charge for "late payment" when they did not provide me with a bill. They haughtily tell me they sent it to the address I gave them, but the bills have stopped coming, and no one there seems to care. They obviously would rather dun me $35 each time they fail to provide me with a bill.

BUT that's not the worst part, although I am demanding they remove the two $35 charges.

They have been calling me every day just after 9 AM and usually just before 9 PM, though tonight it was at 7:13 PM and they left a message to call their billing/collections department. I called back at about 9 PM and after wading through their voicemail system I finally got through to a human being. I didn't raise my voice or use any bad language, but I told the lady that they seem to have a policy of harassing their customers until they have thoroughly demoralized them and bills get paid just to stop the harassment. She abruptly told me she didn't have to take that from me. I didn't use curse words or raise my voice, but she hung up on me.

THEY are the ones who keep failing to provide me with a bill, yet they hit me with their late payment fees and the irritating phone calls. If they call me early in the morning (let's assume for a moment my payments are legitimately late), do they somehow think I can have a payment in their hands in Kansas City that evening. What is the purpose of the evening calls if not to harass?

They may think they are within the parameters of the applicable federal collection statutes, but if they keep it up, I am going to file a lawsuit against Commerce Bank here in St Louis seeking actual and punitive damages for the intentional infliction of emotional distress. And I'll have one of my friends file it, but actually, I have been trying jury cases for 35+ years, and this one would be like falling off a log.

Judging from some of the other complaints I have read tonight, they have a real problem in their Collection Dept. and in other departments in Kansas City, and they ought to try to be understanding and helpful rather than sarcastic, supercilious and rude.

I am now done, but I hope all the people out there who have had problems with the sending of their VISA bills, unjust and unfair late charges, and complete rudeness when the customer calls seeking help, will write and share their experiences. Gil Beckemeier, St. Louis

Tonight, when I called them back and finally got a human being,
Overdraft Fee & selective posting of debits
Posted by on
KANSAS CITY, MISSOURI -- I have had an account with Commerce Bank since 1984. I never had problems until May 2010. May 1, 2010 my Visa was stolen and used. I went to Commerce to stop the use of the card and get a new one. An investigation had to be conducted which would take about 3 weeks. Commerce Bank did advance/replace the money stolen. But that's when the nightmares started. I was having issues with creditors. May 17, 2010 I call Commerce to inquire about stop checking payments. I was told that eack check would be $30.00. I requested (2)stop payments $60 on May 17, 2010 and one on May 29, 2010 $30.00. The bank sent checks through any way. I went to Commerce on Blue Ridge Blvd and request a restriction be put on the account, they continued to send the checks through. Each time I was charge insuffient funds and return check fees. Several time the account got up to $892.00 This went on week after the stop payment until May 29, 2010. That same day I went into the bank at the Plaza Office and request that my account be changed. When I was write a check the bank would not pay as your debits came in, they choose to pay the largest down. I disagree with that, if I send a check in on Friday it gets to the bank on Monday along with an ATM purchase that came in on Monday. I feel the account should be debited the way the tranaction come in. Do not rearrange the order in which the debits came into the bank to warrant adding an insuffient charge. I sorry to be rambling on, but I am really upset by the way my account and myself was treated in this matter. Finally Commerce Bank locked my account after receiving my direct deposit without notication. I had to wait all week before I could get them on the phone. I had to take off work. Wait until 9:30 am to get to talk with the Manager of the Plaza
Eric something who informed me that he had closed my new account because of to much activity and insuffient funds in 30 days. I did have direct deposit. I do owe a balance of $234.16 to Commerce Bank because of all the insuffient fund fee and all the return check fee charge after I $90.00 stop payment was paid. I was told by a Commerce Bank representative that the creditors had the right to be paid. WELL AS A CUSTOMER, WHEN I PAY FOR A SERVICE. I have the right to get what I pay for. Not get charged continuously with a double wammy for something I paid to stop. That bank employee is paid to due a service, not be anyone financial advisor. The comments and thoughts should stay to herself. It turns out I paid a total of $90.00 to Commerce Bank to stop payment and the checks kept going through from May to the end of June or first of July.
Should this get looked into because it happen to a lot of people, I'm on board with any action that takes place. It's just not right Commerce just disregarded to 26 year that I banked with them.
Avoid Commerce Bank NA (KS/MO)
Posted by on
MISSOURI -- I have banked with Commerce for well over a decade. In the last two years, however, their service has deteriorated to the point where I fired them and went with US Bank.

1. Good luck finding a live knowledgeable person when you call the customer service 800 number. After jumping through multiple hoops, you will eventually reach one. I suggest calling twice if you want to compare what you are told. If you have lots of time, three times is even better.

2. The ATM card they gave me worked at every ATM in St Louis and surrounding areas.... but not at any of the five Commerce Bank locations I went to. You can imagine how much I was charged then for transactions. When I requested a new card that would actually work at one of the Commerce ATMs, they sent me a Visa check card.... in my deceased husband's name (he wasn't on my accounts). After multiple attempts (see number 1 above) to reach a live person, I was issued a new ATM card. Oh wait, no... no, it wasn't... it was another dam Visa check card which I specifically stated that I did NOT want. (They charge you $1.50/month for this thing.)

3. I used Bill Pay, alleged to be free, a few times. Oh, it's not free.... I was charged $6.95/month for it. This was reversed when I stomped into a branch and spoke with a VP guy when I cancelled the checking account three weeks ago.

4. But wait, there's more! The VP guy did NOT cancel my account as requested. He just cancelled my ability to look at the account on line. He also did not return my phone calls when the check I was told would be mailed for the balance did not arrive.

5. I ended up cancelling it by writing a check to myself for the balance. I was told by the teller at the drive-up window yesterday: "You can't do that." I said "Give me my money now." She did.

Good-bye Commerce. You will not be missed.
Bank elsewhere
Posted by on
I am an attorney writing in complete disgust as to the way my client was treated at this bank. In order to prove her case, my client requires her bank statements from 2007-08. She needs them by February 17, 2010. My client went into the branch in December 2009 to request them. She did not have her old account number with her, but gave her social security number and name. After weeks of following up, she returned again on February 4, only to be informed that they could not locate the account without her account number. If she had known that in the first place, she would have immediately returned with her account number. Regardless, she proceeded to provide them with her account number on that day. She was told that it would take another three weeks. She then put me on the phone in order to notify them that this was unacceptable, that she needed the statements by February 17, 2010. I notified them of the dire consequences to my client if she did obtain the statements by that date. They were unsympathetic and stated there was nothing they could do. I suggested that she ask them to at least write a letter confirming the existence of the account in 2007-08, which branch managers do all the time. Without explanation, they refused and stated that the same people who would take three weeks to research her old statements would take three weeks to write the letter. They suggested to her that she call customer service. She asked them to call customer service, since they are supposedly there to serve her, and they refused. They then threatened to remove her from the premises because she was taking up too much time and they were unable to assist the other customers--not because she was unruly or belligerent (which she was not), but because she was taking too much of their time! I find this the most appalling of bad customer service stories that I have ever heard. Not only did the branch refuse to write a letter confirming existence of an account, which they do all the time, but they then threatened to remove a customer from the premises because she was politely demanding that they correct their own mistake. Unbelievable. I urge all to do their banking elsewhere.
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Inactive Account Fee
Posted by on
Rating: 1/51
MARYLAND HEIGHTS, MISSOURI -- My wife has been a depositor with Commerce Bank since around 2008. As of August 2012 she had $550 in an account with them. They posted on their website some malarky about an "inactive account fee". When we tried to check the balance to day (3/21/2015) she has less than $40. This is the result of the inactive account fees.

Considering that inactive account literally means we didn't touch the money, under what "best practices" do they justify charging a customer over $500 for the Great Privilege of having a deposit account? Yes, it is our fault (we haven't don't anything with that account for almost 3 years), but we feel cheated that they took so much without trying to contact us about it.

Go with a credit union!
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Mislead to Keep Account Open, Then Charged Late Fees When Told Not
Posted by on
Rating: 1/51
KANSAS CITY, MISSOURI -- I have been trying to resolve this problem for over 2 months now. I called to close the account and they stated, "you still have an Expedia credit for $50." I kept it open and charged a hotel, expecting my refund on the next bill. It was not on there. I called and was told that offer never existed. I do not have any other cards, so I know that is not true.

I was told they would investigate it and get back to me, that I should wait for the new bill to be sent. When the bill arrived there was no refund and a late charge was added. I called back 3 times and each time was told that I had to talk to the supervisor that took my information and she would call me back since she is always off when I call. I still have not received a call. My payment is due in 5days and I'm sure I will get charged again for a late payment. This is the worst customer service I have ever experienced. I feel violated and disgusted.
Rude, Refuse to Help
Posted on
I am 60 years old, have been disabled for 5 years and have a problem with Commerce Bank purposely withholding proper documents I need to file my taxes and therefore I have been unable to file my taxes this year.

I got a 1099 form from them for closing out my IRA with them for a little over $1,000 in 2009. They have records on file, all the documentation they need to veryify I am disabled, I mean my doctor sent them a letter plus when I had my account with them they knew that every month I received a disability check from Social Security. So they are well aware I am disabled and have been for years. They also know my age and based on my age there is also no reason for having coded my 1099 as taxable/penalty for early withdrawal. I have tried to talk to them, the main customer service with Commerce Bank says that I have to handle this through my local branch. That is the Grandview, Missouri branch and they don't return my phone calls. They did call once saying they needed a letter from my doctor but I called back to advise them they already have a letter, I needed to get it for them once before but they deny they have it. So I told them forget the disability based on my age there is no penalty or taxes either but they never even bother to call me back. The person I talked to at the Grandview branch is someone called Meaghan. I left messages on several voice mails and no one ever returns my call.

So I called and talked to a supervisor and she refused to help and just said they need the letter.

They are being deliberately difficult and not helping to give me the documents they are required to give me and I am now fed up with wasting my time to get a document they have the ability and the requirement to supply me but refuse to do so.

I told them I will contact the IRS and they can deal with it but I definitely would recommend anyone looking for a good bank to avoid Commerce like the plague because if you ever have a dispute over a fraudulent charge or an issue like this, Commerce does everything in their power to be NOT HELPFUL.

I am going to spend my time on the internet on every available site warning people about the unethical and illegal behavior of Commerce Bank and its employees and its obstructionist activities. If I can't file my taxes I will make use of my time warning any and all about Commerce Bank.
Invalid NSF Fees
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Recently I had a horrible experience with my bank (Commerce Bank). I have been banking with Commerce Bank since I was 16 years old. I have never once overdrawn my account. I was charged overdraft fees for a charge I did not make. On 10/17 I made a total purchase for $150 at a business. I authorized a tip of $25 on a purchase that was for $125. That was the purchase that I made. To be clear it was $150 total. My running balance was fine and always remains at or above $100. I noticed my balance was $125 off where it should have been. I realized that there was an additional charge of $125 for the business on 10/19. I called the business furious that they charged me twice. They explained to me that they had not charged me twice and referred me to my bank. So I called the bank and was told that the charge was because the original transaction was for $125 and that was what was authorized, so it had to sit in pending transactions. What I don’t understand is the $125 was the authorized transaction and is included in the $150 how can they capture an additional $125.

How can they take that extra $125 from my running balance? How is it legal to create an imaginary charge and then charge me overdraft fees for it? They said that it would drop off in a couple days, but I insisted that it be removed as it was not a valid charge. The next day I noticed the overdraft fees on my account for a charge that this bank created. When I called to speak to a representative she was condescending and unhelpful. She wasn’t even listening to what I was saying. She then tried to sell me overdraft protection as a solution to a problem that the bank created. I do not need overdraft protection because I do not over withdrawal my account. Then she transferred me to no one. She said she was going to transfer me to another department but really she disconnected the call. I admit I wasn’t being nice because I was angry and I was not being heard. I called my branch and had the fees waived "as a one time courtesy".

Why should it be a one time courtesy when I never overdrew my account? No one was willing to admit that it was a bank error. I want an admission that this was not my error and that I did not overdraw my account because I didn’t. It is not fair and I am certain that it is not legal that for a bank to add duplicate charges to a loyal customer’s accounts.
Involuntary Closing of Checking Account
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LENEXA, KANSAS -- Imagine this! A telephone call was made to check on the amount of an overdraft notice. To my surprise, I was informed that my account was "in the process" of being closed. I immediately went to the bank and was told "your account is closed". Had I not telephoned the bank to check on the overdraft I would not have known until my July statement. It seems there was a $275 and some cents overdraft charge on the account. Not because I had written any checks or used my debit card, but due to some automatic ach accounts who decided not to honor my requests for dates to deposit. Nevertheless, the bank continued to accept the ach's and charge an overdraft fee. Now, I had direct deposit which would more than cover the overdraft charges. Previous overdrafts had been as high as $1000 on more than one occasion and had always been paid within a 30 day period. I had to plead with the bank to reactivate my account to pay the charges I owed them because I was told my Social Security Check would probably be returned on July 3rd. This was June 28th when I was in the bank. The account was closed on June 26th. After the account was reactivated I then had to wait until July 5th to clear up the debt because I was told on July 3rd the money wasn't there. When I stated that Social Security had never been late in 10 years I was then told that the bank would need to wait to "make sure the money was good". With all this the bank had placed my account in "collections" even though they could have cleared the account of all charges owed on July 3rd and then closed my account if they chose to do so. The final straw, when I attempted to open another account my name/account had been referred to Cheksystems. I returned to Commerce to request removal and was told that this would not happen. They would check, but it was two different departments, one for collections, and the other for the way "I handled my account". When I asked if this was an attempt to "block" me from getting another account, the reply was, "you could say that". My complaint is that Commerce denied my request for overdraft protection twice. However, they had no problem debiting my account for amounts over $500 in a 2-week period. Yet, they closed the account for $275 overdraft. Had I been given the privilege of overdraft protection there would have been very few insufficient overdrafts. The amount of insufficient fees paid to the bank would have more than covered the debits/checks coming into my account.But then the bank couldn't make any money at my expense. Secondly, there had been activity on the account on June 3rd which was within a 30-day period. Their policy states,"...overdraft fees or insufficient item fees will be charged to your account up to $30.00 an incident(they were charging me $35.00)depending on your account type. ..These conditions May include but are not limited to:deposits are consistent with past practices, you are not in default on any loan obligation with Commerce Bank and Trust, your account has been brought to a positive balance every 30 days or less, and there are no outstanding legal orders on your account." All of these guidelines were met. I was in a win/lose situation with me being the loser. I think Commerce forgot that the insufficient charges were paid out of my account.Money deposited by me which, in my opinion, negated the repeated statement of "how you handled your account" as being relevant. Don't forget, I had to plead to get the account reactivated for the purpose of clearing my debt to the bank. Hopefully, by sharing this incident, others will not fall victims to this type of action. My account was closed prematurely, without notification, referred to Cheksystem, even though my direct deposit would have cleared the account in a matter of 7 days. From the 26th of June to the 3rd of July. Did anyone do the Math? Finally, after numerous emails my account was reviewed. Reportedly a request has been made to remove my name from Cheksystem's database. I was told that each branch has autonomy to make a decision on any account that was opened at that branch. So, who is really the governing body here? Is it company policy or "branch" policy? Would I recommend anyone to open an account with Commerce? The decision is yours.
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