Commerce bank Consumer Reviews - Page 3

KANSAS CITY, TENNESSEE -- Received a $2.50 charge on a zero balance credit card. Claimed I agreed to the terms of being charged after 24 days in 1991. Cancelled both cards after they told me it was my fault even though the charges were within the 24 day window and I had a previous balance of 0.00, and they never sent me a bill.

KANSAS CITY, GEORGIA -- Shortly after setting up an online banking account, I had reason to deal with their Customer "Service" group. First, they do NOT answer their emails. Second, when forced to call them, the hold time is ridiculous. Third, when you reach a person, they are so poorly trained, they know nothing. I deal with many financial institutions and have never found one so poorly managed (blame the management, not the help).

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. 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.

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 damn Visa check card which I specifically stated that I did NOT want. (They charge you $1.50/month for this thing.)

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. 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.

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.

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.

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 re-appear 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 your account reaches under a certain dollar amount as if the computer is set up to take it out when it's 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 it's 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 checkbook 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.

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.

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 Customer 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.

CHERRY HILL, NEW JERSEY -- I have been a customer at Commerce Bank for less than a year now. I have had nothing but problems with them from the start. To begin with, my paycheck is direct deposited into my account on Thursday at midnight. If for any reason, a check clears the account on Friday, they bounce it. Yet, I can go the ATM and take out any amount of cash I choose on Friday.

Also, my biggest complaint is that what I see online is not what they see in their offices. There have been numerous times wherein I have received a NSF fee and there are no negative balances in my account. The little note they send you to inform you of this "overdraft" states that my account is negative. I check my account every morning. I do not see any negative balances. Yet they somehow find a way to create one and charge me $35.00.

I have called the bank on numerous occasions to no avail. They state that the balance does not matter. I have even gone as far as to write letters to the President of Commerce Bank Dennis DiFlorio. For anyone who is interested his email is dmd@yesbank.com. I did get some relief from him as he did refund my fees on 2 occasions. But after that, it was a losing battle. I have also filed a complaint with the Comptroller of Currency in Texas. If anyone is interested in a class action suit, please let me know. They are really ripping us off.

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 5 days 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.