Commerce bank

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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,
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At Your Service on 09/27/2011:
As frustrating as it may seem, you can still be held responsible for any charges or payments even though you've never received a bill.
leet60 on 09/28/2011:
If you owe a monthly payment, and are not receiving a bill, you should call and inquire why and determine the payment amount due and submit it. Not receiving a paper bill does not make the payment no longer due.
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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.
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Suzy on 05/26/2012:
Past time to change banks. Try a credit union, you do not get these types of mysterious charges/fees only overdraft fees unless you've signed up to have no overdraft protection.
trmn8r on 05/27/2012:
No there isn't "grandfathering". However, I am fairly sure they must give you notice of the change in fees. If my bank went to a fee, I would look for a new bank as Suzy suggested.

As for overdrafts, all banks will look to make profit from them - this is part of their income stream. That sounds nefarious, but it is true. The way to avoid being penalized is to keep a sufficient balance to cover the peaks and valleys in items that go out.

It took me getting whacked with only two overdrafts to figure a new way - I keep a buffer at all times to cover the unexpected. Problem solved.
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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.
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skelly39 on 08/17/2010:
File a complaint with the OCC or FTC, whatever body governs that bank. They mishandled your problem from day one. Good luck to you.
goduke on 08/17/2010:
You might also want to contact your state's attorney general's office so that they can look into it.
saj80 on 08/17/2010:
After the recent ruling against Wells Fargo, in which they lost a court case related to how they processed items and charged overdraft fees, I believe that more banks will either be looked at or will change voluntarily to avoid the negative press. This type of structuring items cost Wells Fargo $207 million, and got the attention of many other banks. My bank used to process items in this manner, but stopped as soon as the lawsuit became public and before the judgment was announced.
grandma005 on 08/17/2010:
This is why I use a credit card instead of a debit card.
Obsfucation on 08/17/2010:
Saj, I think you may be mistaken. The lawsuits were against 3 of the large banks, WF, BoA, and one I can't recall. The complaint was not in posting order, it was that they failed to adequately provide notice when their processing changed. There was kind of a no fault agreement, and they coughed up some dough. In point of fact there is nothing illegal about processing in this manner, as long as it is disclosed.

When you think it through, the processing order has no impact on the depositor at all, if there are collected funds in the account when the check is negotiated. (or the debit) It is actually illegal to be issuing a check when the funds are not in the account. It's a little disingenuous to accuse the bank of something illegal, when in fact it is just the opposite.

Not all banks process in this order, most do, but ALL banks re-order the transactions in some fashion. It is the only way accounts can be procesed. Transactions do not come into the bank piecemeal throughout the day, they arrive in big batches of thousands or millions of items.

It would be interesting to know why the bank paid the items that were stopped. There are specific laws that spell out the responsibilities on both sides. If OP placed proper stops, then all they need do is go into the branch and inform them that they paid stopped items. Some additional information about these items, and the timing would be interesting.
Anonymous on 08/17/2010:
Actually the lawsuit was against only Wells Fargo ( VERONICA GUTIERREZ, ERIN WALKER, and WILLIAM SMITH v. WELLS FARGO BANK, N.A.).

Anybody interested in learning how truly deceptive WF and big national banks in general really are should read the ruling in this case. A real eye opener.
Marvin on 06/04/2011:
Actually the lawsuit was against WF and BOA, but those are just the only two to actually have paid something. And the lawsuit was based on the process called reordering exactly what most banks do. Which is why most large banks have class-action lawsuits filed against them. Soon all banks will be paying some of the 40 billion dollars they accumulated in these fees back. The court found this process to be more damaging to the everyday client.
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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.
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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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goduke on 02/04/2010:
Here's a couple of questions, law dog.

Why did you and your client wait until a month before trial to ask for these records? We all know that there is a huge lag time in court cases. There's no way you just figured out you needed this.

Why not just ask the court for a continuance? Courts do it all the time.
Anonymous on 02/04/2010:
Why would it take 3 weeks to get a bank statement? All they needed was a history, right? Why wouldn't the bank provide their customer a history? I used to work at a bank and it took me 30 seconds to pull up an account, closed or not, and print out a history. This seems like a valid complaint. I surely would not want to bank with a bank that treats their customers in this kind of way.
goduke on 02/04/2010:
The 2007 - 2008 records for closed accounts may already be archived. It's possible that they have to be pulled up from at a data processing center rather than at a bank terminal.
Anonymous on 02/04/2010:
They must have some crappy software at Commerce Bank, then, if it takes 3 weeks to do it. Unless the tellers don't have access to things like that and they have to send a request or something like that to corporate. But, even that sounds like a real headache.
goduke on 02/04/2010:
It's also probable that they have to be certified in some fashion to be utilized as court records. The bank may require that to be done centrally to avoid any possible impropriety.
Anonymous on 02/04/2010:
There are Commerce Banks all over the country that are unrelated, so it would be nice if you specified which one.
goduke on 02/04/2010:
I wonder if the lawyer billed his client for writing this....
Anonymous on 02/04/2010:
Wait until they get the bill for these statements
saj80 on 02/04/2010:
Bingo, Ken; I'll bet it's several dollars per page plus a research fee.
Wow on 06/04/2011:
First of all certification for something like this would take less than an hour, finding an archived account can be done with your social security number, my account with commerce has changed, but all the bank records from my old accounts are attached to my new ones. I've dug up account statements from 5 years ago in a day.
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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.
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trmn8r on 01/04/2013:
If I were you, I would always pay my bill even if I were in a dispute that makes no sense, and get it back later. In fact, if the dispute makes no sense, it heightens the importance to pay it, IMO. Otherwise you can be confident they will hose you. I suppose you may get late fees and interest back, but personally I don't like to see my credit compromised even for a few days or weeks.

The key question is, do you have a statement showing the $50 credit, and that it went away?
Obsfucation on 01/04/2013:
You should be more concerned about the latye payment showing on your credit report. As Trm suggests, pay the bill then duke it out with them.
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Bank will not investigate wrongful charges
Posted by on
GARDEN CITY, KANSAS -- I had a $30 charge appear on my checking account which I did not authorize. The only detail on my bank statement was a phone number, no company name. So, I called the phone number, it turned out to be a call center for various companies, and they told me that in order to reverse the charge I would have to know which company charged me. I told them I had no way of knowing who charged me, my bank statement didn't give that info. They put me on hold, then disconnected me. Obviously, a scam company and bogus charge. So, I filed a dispute form with Commerce Bank in regards to the charge. The result was that Commerce bank would not reverse the charge. Their reason was "I could not identify the company that charged me". What in the world!! This bank is so incompetent that they can't even determine who charged my account fraudulently ??? And then they blame me for that ??? It's the bank's responsibility to tell me who charged my account!!! And, they couldn't even do that. This is the worst bank that I have ever seen.
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momsey on 11/13/2011:
This might be also difficult because of the lack of a business name, but have you filed a police report? And keep bugging the bank until they reverse the charge.

And, I'd think about closing the account for security reasons.
steew171 on 11/13/2011:
Honestly, I shouldn't have to file a police report or extend a lot of time in dealing with this. Every other bank that I have ever dealt with, would simply reverse the charge unless the company issuing the charge could prove it was valid. And you can't tell me that Commerce Bank can't trace back as to who got the money. In this day and age, that's mandatory in fighting crime. This bank flat does not care to do their jobs as they should.
momsey on 11/14/2011:
Right, but it is your money and whether you should or shouldn't *have* to do one thing or another, it's in your best interest to do what you can to get your 30 bucks back.
CowboyFan on 11/14/2011:
Why don't you telephone the call center and ask them the names of all the businesses that could have billed using the call center number? Then report those names to the bank.

The other question is how that company got your bank number so that they could charge you? Does anyone else use your account? What were the companies you buying from back around the time this happened? Could one of these companies forwarded your account number to these people?
steew171 on 11/14/2011:
If I file a police report, the police will simply call the bank and be told the same thing. "We don't know who charged his account". I'm claiming they do know. I found out that if I close this account, and another charge comes through, Commerce will still consider the charge legit and automatically re-open the account and charge me an od fee for each time they try to debit my account. I would say that speaks volumes for why Commerce is not investigating, they simply want to try to rack up fees on me.
steew171 on 11/14/2011:
I'm sure it was on the internet as to how they got my info. When I call the call center they state that they cannot give me the name of the company because they represent too many. And, being crooked, why should I think they will cooperate as to giving my any assistance with the proper names? When they state that they will get someone to help me, they put me on hold, then disconnect me.
Slimjim on 11/14/2011:
Totally agree with stew on this. How are you supposed to know who is charging fraudulently. Doesn't that kind of work against crooks if they disclose that? IMO, this bank does not handle disputes at a level I would expect.
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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.
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skelly39 on 05/07/2010:
If what they are doing is illegal, and it sounds like it is, you should have legal recourse. I'm sure you're looking into that. Good luck to you.
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Invalid NSF Fees
Posted by on
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.
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yoke on 11/01/2009:
Your complaint is with the establishment. They are the ones that put the extra hold on your account not the bank.
bcd on 11/01/2009:
The merchant received a $125 authorization to verify the funds were available. That temporarily tied up the $125 in addition to the $150 purchase. It’s not fair, but it is legal.

Connecticut Senator Chris Dodd has written legislation that would prevent banks from assessing overdraft fees created by funds availability holds on accounts (Maybe next year…).
Anonymous on 11/01/2009:
Sounds like the normal way a charge occurs. The business will do an authorization for the amount. Then when their batch closes, they submit the actual charges for payment. The bank is supposed to release the authorization hold once the actual charge posts.

Sounds like the bank for whatever reason did not do so. Maybe the charge cleared before the auth dropped. Just remember not to use your card as a credit card with that restaurant again. Use it as a debit card.

A lot of gas stations do auths too. You have to be careful where you use your debit card as a credit card..
tnchuck100 on 11/01/2009:
The problem here is the bank charged an NSF fee on the authorization hold even though it never posted. Only charges that actually post should be subject to NSF fees. The banks are applying NSF fees on authorizations that never post and this is a very despicable practice. One more reason to dump these greedy banks and find a credit union.
Anonymous on 11/01/2009:
Excellent point Chuck.

This is why I do not use my debit card for these transactions; it can really screw up your account. If I don't have cash on me I use a credit card and then make an online payment when I get home.

That's a good idea Lady but I didn't know that you could use a Visa / Mastercard check card as a debit card at a sit down establishment. I thought the only option was credit? I'll have to check that out. It offers a little more control over the account.
yoke on 11/01/2009:
chuck, hate to tell you but CU's would do the same thing. I don't agree that the bank should be able to give NSF's for checks/debits that come in on the balance that is on hold, but I always ask places if an extra hold will be put on my card before doing it. Restaurants are known to do the hold and there is nothing the bank can do about it. It was the establishment that put the hold, not the bank. Stopped going to the local pizza shop because of that.
madconsumer on 11/01/2009:
I use my debit card all the time for same such transactions. I have not experienced this before. it does sound like an issue with the merchant not removing the hold.
tnchuck100 on 11/01/2009:
yoke, pay attention. I don't know of any credit union that exacts a NSF fee on an amount that has not posted. If you have, name it. The issue is not about the the business doing an authorization, it's about the bank's greed in charging the NSF fee for an amount that was to never post.
Anonymous on 11/01/2009:
Chuck, I agree. Since auths normally fall off, they should not be subject to a NSF fee. Maybe that will get changed soon.

Pro, some restaurants do. You have to ask them if they can run it as a debit card. The Mexican place near my house does. Also, in gas stations, if you use your card OUTSIDE at the pump, it will go credit. BUT if you use the Pay Inside option, you can run it as a debit.

Anonymous on 11/01/2009:
Two words: Credit Union.
yoke on 11/02/2009:
chuck, pay attention. I said I don't agree with the bank doing NSF's on the money that was being held. This issue is with the merchant and not the bank.
tnchuck100 on 11/02/2009:
yoke, the merchant does not make the bank charge an NSF fee. The issue absolutely IS with the bank.

You failed to provide the name of the credit union you were referring to that does this.
Anonymous on 11/02/2009:
I've been part of two credit unions, one medical, one educational. I have never, even when I did it once, been charged more than two dollars for an NSF check. They just took the money out of my savings, put it in my checking and charged me $2. They charge me .50 to use my debit card when making purchases, so I run it as a charge charge. Most credit unions take any customer now.
Anonymous on 11/02/2009:
Oh, wait. In the trust account I have with my dad, our lawyer screwed up and didn't wait for a deposit (ten days) to clear before cashing a check (and knew he had to). The credit union charged $30. Yep, they do charge for that if there isn't the funds to cover it. The lawyer paid the $30 fee back to us. I would expect to get charged for a $12,000 check bouncing, though.
yoke on 11/05/2009:
sherdy, CU's will transfer from your savings to checking, but if the money is not in the savings they will charge for NSF.
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I hate Commerce Bank!!
Posted by on
NYC, NEW YORK -- There was a time when Commerce Bank was a wonderful customer service institution. They had free checking accounts, no fee coin stars and friendly staff. When you called with questions and concerns, you always hung up the phone feeling that your issue was resolved.

Well those days of the "nicer/friendlier" Commerce Bank are a thing of the past. Now the people that work there are either ghetto or brain dead, fees are in abundance, and every time I call their customer service line I feel more angry or confused at the end of the conversation.

I have had numerous bad experiences with Commerce over the past year, but this time I have had it. If my city job wasn't taking its sweet time switching my direct deposit to my new bank I would have completely left them ages ago. Last week I deposited a payroll check. I have had Commerce for years and I have never not had a payroll check clear on the same day. I went home checked my balance online, which indicated that the check was cleared. I paid my credit card bill online the same day. Two weeks later I get a letter in the mail saying that I had overdrawn my account and they had charged me 35 bucks in "uncollected fees". I spoke with custover service and the supervisor etc etc and the short of it is.......they won't give me back that money even though online it says that the funds were available and the teller never said they were not available immediately (even though they have always been for the last 8 yrs). I work hard for my money and 35 dollars is a lot to give to Commerce. Commerce works hard at finding any way they can to take my money... and yours!

Luckily I am from a military family and was able to join USAA. It has been the best banking experience ever.
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User Replies:
Hugh_Jorgen on 06/10/2008:
That bank hasn't been the same since Mr. Drysdale and Ms. Hathaway retired.
DebtorBasher on 06/10/2008:
Or Mr. Mooney...LOL!
DigitalCommando on 06/10/2008:
I'm surprised that nobody has remade those old shows with the introduction of a modern day character. For example, instead of Ellie Mae on the Beverly Hillbilies, she would be replaced with Flip Wilsons "Geraldine" or "Wanda" on In Living Color.
tander on 06/10/2008:
Everything is going up in price and customer service goes with it, when they fire loyal employees and hire people who don't care and are only there for the pay check.
claro on 09/03/2008:
I've had the same problem with them. They're making their last fee's off me. I'm changing banks as soon as I can get my direct deposit changed. I've had nothing but problems with them in the last year. Please get the word out people that Commerce will get you anyway they can. They will rearrange things that have already cleared.
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