Commerce Bank Complaint - Overdraft Fee & selective posting of debits
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 thru 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 thru. 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 thru 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.