MISSION, KANSAS -- Commerce Bank is the worst financial institute I have ever engaged with. Almost two years ago, I closed my account with them because they inconstantly charged overdraft fees which would in total more than $700 (in fee alone) before I would have any idea. Their customer service is horrid, possibly the worst customer care I've ever encountered.
A few months after closing my account, I received noticed from a collection agency of a $266 balance at commerce Bank. I called commerce customer service and they reassured me there was no balance and my account had been closed. I took the notice to the branch at Roe and Johnson Dr. A banker confirmed that I did not have a balance and my account had been closed.
Six months later, I received another notice from the collection agency with the same balance. I took it back into the branch, this time asking to speak with a manager. After explaining my situation, the manager pulled my activity, and show the account was never closed and multiple transactions were made, each time deducting $37 overdraft fee.
Horrified that the account was kept open without my knowledge and that it was never identified and resolved despite my concern, he told me he would take care of it with customer advocacy. I left him with my phone number if any issues existed. Almost a year later, you guess it, I received a notification for the collection agency with an outstanding balance. Commerce never took care of the $266 balance (in which $222 was overdraft fees). It has been sitting at a collection agency racking my credit for months.
LEE'S SUMMIT, MISSOURI -- If this was my first visit, I would NOT open an account! I stood waiting for the "personal banker" to finish a non-business convo with a non-customer while she straightened her desk and pushed all the chairs neatly in, and then since I hadn't gone away she finally asked what I needed (a replacement debit card because the one for my new account never arrived). Didn't pull out a chair, just clicked away while I stood some more, went to the back as I stood some more... Never even looked at me till "Here ya go. Have a nice day." Rude! And obviously not afraid to be rude or have inappropriate conversations in front of managers and other staff.
OVERLAND PARK, KANSAS -- I'm a small business. VERY small, I opened a checking account and a My spending Card for my teenager so she can learn the banking system. The problem with this stupid bank is, since I am a small business... they will not cash a check that has my business name above my full name. My full name is printed on this check... They will not deposit it or cash it. It is a worthless piece of paper to this bank. They won't even open a business account for me because I cannot prove I have this business. UNBELIEVABLE.
I don't have a website and a Facebook page is not good enough! They won't put my business name on my personal account. Obviously they do not want my business. Moving on to another bank. I went to three branches. The one on mall had the most rude woman there. I called the 1-800 number. They said to go into a branch and ask for the branch manager. Well the branch manager was on maternity leave and a young girl who had to read in a manual what to do, told me she could not help me. No prove you have a business. HORRIBLE.
LANSING, KANSAS -- Have been a Commerce Customer since 2004. Within the last month we have had money held for different reasons over different periods of time. Just recently we have deposited a larger amount of money and cannot reach it, it has put us in a financial bind. This has been the last straw.
The online app is misleading, purchases are recorded paid or pending at different times that seem to fit their benefit, and my "current balance" is not my "Available Balance." That was a hard mistake to learn. Customer support is useless. They will not do anything, so why have one. After having been a customer for 14 years, we are leaving this bank tomorrow. Further the Home Loans both FHA, VA, and regular Mortgage rate were very high compared to most, we have never been offered a good or fair loan from this bank.
MISSOURI -- I've been banking with Commerce for forever. My childhood savings, my 1st checking account (which is still in service after 16+ years) and I have my small business checking here and another savings. All accts have been in good standing and can count on 1 hand the number of times checks bounced in 10 yrs, which were all refunded as it was the payees fault for double charging. I've had car loans which were all paid in full, ahead of schedule. I'm closing all accounts.
For the 1st time in the history of me having a checking acct, I was charged a "service charge" of $8. I called to ask about it and the cust svc representative had no idea why as I've always had the free checking options. I hadn't changed my use, met the minimum balance and deposit requirements, and as a small business owner, paid myself from my Commerce business account on the regular and had not been charged for this before. She said she would refund it, put me on hold, came back to the phone and told me it was a legit charge and there would be no refund. I asked for a supervisor.
The supervisor was the most rude and surly person I've ever spoken to. She dances around the issue giving me a new excuse for the charge when her reasons fail to uphold. One minute it's I don't have a "formal" direct deposit, but as I'm my own payroll and have a business account there, that would seem to be a "self-employed, bigger customer with more accts here" fee. I've been operating this way over a year and it would seem odd that only now do they charge for that.
She essentially called me a liar about the account age on the basis that the account "title" was not in use when she started 8 yrs ago and thus, this account was not as old as I claimed even though, had she bothered to check, should have been able to see this number has never changed in over a decade! She claimed it was a legit svc fee for that account type and she had no idea why I wasn't charged before though I should have been and more/less made it seem she was doing me a favor.
What happened - for the 2nd time in history I might add - was that they changed my "free" account terms without clear notice, started charging for it, made a new type of "free" acct, and offered it when the customer complains. I thought it was a fluke before, but as a 2nd time around, I'm pretty sure it was intentional. She rudely said that she would offer a "one time only" courtesy refund, sarcastically made me wait while she checked to see if I had has this refund in the past year, again more/less calling me a liar and changed my account title to whatever their latest "free" account type is. The title changed almost immediately, but the refund never came.
I call a week later to find out why and was made to wait for 11 min to talk to a representative. I'm pretty sure it was the same daft cow that answered, and she put me on hold and disconnected the line. I called again, agreed to a survey after my call and after another 10 min wait finally get through to another person. Info was verified, and I was told I need a different department and put on hold yet again.
Finally the person I spoke to went through the transcripts of the previous call and said she saw where I was promised a refund and it was not put in the acct. Color me shocked. She put the refund in and it was almost immediately visible on my online account.
In summation, it was a total of 30 min hold time to get them to give what was promised (30 min is a long time to make detailed notes), for a charge which should not have been in the first place. To add serious, ironic insult to injury, while I was on hold for the umpteenth time, the line was ringing on call waiting which was the survey people! How insane is that?!
In retrospect, I should have answered and told them to wait and would talk to them as soon as I had service to report about, but thus far, it sucks a$$. I didn't answer as I was afraid of having to call a 3rd time. I'm done. As soon as everything clears as far as deposits and checks, I will be demanding my money to take elsewhere. Awful place. Run away - fast, far and NOW!
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 **. 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 voice mail 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 my3cents.com and share their experiences.
KANSAS CITY, MISSOURI -- On 11-26-19 I redeemed 4000 Visa rewards points for 2 $25 retail gift cards. I received an email on 12-6 saying cards had been sent. As of 12-21-19 I have NOT received! After two unsuccessful calls to and conversations with customer service reps Bobbie, Adrianna, and “so called” supervisor Molly I have not received cards or resolved the issue. I am now out the Rewards and have nothing to show for it! After yrs of being a Commerce customer and their customer service being what it is, maybe time for a change!
STL.MO, MISSOURI -- Not 1st time this has happened. Ignorant staff. Slow. Last few years staff has changed...so has their hiring values. Drive thru service the worst if you're in a hurry. Bank elsewhere. Stinks...terrible. Can't think of any other language that's nice right now.
KANSAS CITY, MISSOURI -- We have never had an account with this bank, and now I know why. We recently purchased a vehicle and the loan is through Commerce Bank. Having purchased other cars over the years I expected that I could log in online to make a payment. NOPE! Not possible. Is it 1994 or 2016? This is a joke, right? What bank in 2016 can't you make an online payment with? Your grandpa's bank, aka Commerce Bank.
If you have an account with them you can make it through the ATM. Why the hell would you do that? Or you may call the 800 number and be charged $5 to not even speak with a person, and make it with a non-Commerce debit card. I really just can't even. We will be looking to refinance with a different bank IMMEDIATELY, and this is only the first payment.
It is laughable how ridiculous this is. I pay literally everything online. We don't get paper statements for anything anymore and haven't for years. I don't want to mail checks or go into a branch bank, or even call an 800 number. I want to log in, spend 30 seconds paying the bill like I do the 10 other bills and get my life together.
I have nothing good to say about this experience at all, and I would never open an account with a bank that is so antiquated and old fashioned. We didn't pick who the loan went through, obviously, but if they tell you it will be Commerce Bank and you care about being able to do things 2016 style, then tell them to keep looking for another lender. My grandpa would probably enjoy banking here, or my 70 year old dad. He still likes to write a check and send snail mail, so this bank is definitely for the blue hairs of the world. Anyone else should run away like they are on fire and find somewhere else with technology and a website that fits the needs of 2016. This is not it.