Commerce bank Consumer Reviews - Page 2

BLUE SPRINGS, MISSOURI -- Okay, I made a mistake. In 22 years I used my Commerce Bank, charge card and thought it was on auto pay. It wasn't. I received several bills from Commerce but didn't open them because I only receive junk mail from them such as fake checks to cash which are really loans. Anyway, as I said it was a mistake and my payment for the card was late and they reported my late pay to the credit bureau. I asked them for a goodwill gesture and to have the late pay removed from my credit record. I told them that the credit card had since been set for auto pay so it can never happen again.

It is entirely within their ability to request that the late-pay be removed from my credit record but they're simply not moved and are not interested in helping. Many others have reported having success in cases like mine and their banks were happy to assist and get/keep their customer's credit record clean. Not Commerce. I look for more in my bank than the "minimum" that they can do. Since life happens and people sometimes make simple mistakes I urge you to consider this when choosing a bank and find one with good reviews that demonstrate a modicum of compassion and caring for their customers.

KANSAS CITY, MISSOURI -- These people are the worse. Everything was fine as long as you had money in the account but as soon as your money got low there were some definite problems. They have some "condition" your account goes in after X amount of overdraws that no matter how much money you put in it will take 7 business days for it to hit your account.

By the way, they don't notify you when your account hits this mysterious "condition" until you deposit your money. By the way, even after you money has been deposited you will still receive overdraft fees based on your account balance BEFORE the money was deposited so they can maximize the fees for you automatic ACH payments. Don't fall victim like I did, be careful where you put your money everybody.

I have been getting three or four emails each day telling me that there is some sort of problem with my account. The emails always show the last few digits of an account number. Those are different every time. I don't have an account with Commerce Bank, and have never had an account with them!

Being concerned that this is a scam or a phishing attempt, I looked on the web for "Commerce Bank". Sure enough I found a reasonable looking web page. That page listed a phone number that matched the phone number in the emails that I've been getting, so I decided that maybe it's legitimate. So I called that number.

After getting past a couple of "press 1 for ..." messages, I got to a message that asked me to enter MY SOCIAL SECURITY NUMBER! Not my account number or my name, MY SOCIAL SECURITY NUMBER! That just didn't sound legitimate so I hung up. I still don't know whether Commerce Bank is a scam or a real bank. Can anyone tell me?

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 malarkey about an "inactive account fee". When we tried to check the balance today (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 done 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!

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 -- 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 each 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 anyway. 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 insufficient 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 transaction come in. Do not rearrange the order in which the debits came into the bank to warrant adding an insufficient 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 notification. 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, ** something, who informed me that he had closed my new account because of too much activity and insufficient funds in 30 days. I did have direct deposit. I do owe a balance of $234.16 to Commerce Bank because of all the insufficient fund fee and all the return check fee charge after $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 whammy for something I paid to stop. That bank employee is paid to do a service, not be anyone's 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 the 26 year that I banked with them.

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 Chexsystems. 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 Chexsystem, 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 Chexsystem'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.

DALLAS, TEXAS -- One of the worst bank I have worked with. They closed my account just because I mistakenly posted same check on two banks and they called fraud and closed my account without any notification or call or letter.

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.