Commerce Bank of Kansas City

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Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Thank you.I am glad that "due to inactivity" my account has been closed.  I don't know how that card was opened in my name, so I am glad that it has not been used.I am satisfied with response.I just wasn't willing to give my SS # without knowing it was not a scam.  
Regards,
[redacted]

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Though, the automatic transfers were never available for me to discontinue. Commerce hid the ability for me to turn them off and thus the account would remain open indefinitely had I not escalated the issue. 
Regards,
[redacted]

This consumer complained that the Bank did a credit inquiry on 11/2/15. Research found we were sent an application from a dealership, [redacted], on 11/2/15 which was declined and no loan was made. The credit inquiry was valid per the loan request. Any questions regarding the request should be...

sent to the dealership.

Records show the customer had arrangements for a payment to the loan for January 20, 2017, which the bank took that day. Then, she also made a payment to the loan the same day, resulting in two payments on January 20, 2017. The customer did call in and spoke with a collections representative. Per...

the recorded call, it was discussed that the payment made resulted in two payments that day; however, it was not discussed that the payment would be cancelled. We regret if there was any confusion during that call and apologize for the customer’s frustration. We have reached out to the customer, and per her request, have reversed one of the payments. The credit was applied to her checking account on January 31, 2017. Also, the bank has refunded the 3 overdraft fees that resulted from the two loan payments. Late fees have incurred on the loan previously, but none were due to bank error and will not be refunded.

Commerce Bank wanted to respond to the complaint ( ID # [redacted]) from Mr. [redacted]. The complaint was not processed in the required time. Unfortunately, for a reason unknown to Commerce Bank, the original email notifying us of this complaint was sent to our SPAM email inbox.  We did...

not notice this until recently. We are including a copy of a response letter we sent directly to the consumer to address his complaint. Thank you, Commerce BankConsumer Advocacy Program

This consumer purchased a prepaid card called a mySpending card from a Commerce Bank branch in the St. Louis area. She then moved to North Carolina. Due to a major retailer's compromise of cards, her old card was replaced by the bank with a new card. The new card was mailed to her St. Louis address....

This bank product is designed to be mailed to addresses in the bank's branch areas only. We do not normally provide service on this card for out of area locations. The bank branch where this customer purchased the card may not have been aware of that. We apologize to this customer for the inconvenience she has experienced. We have been in communication with her and a friend of hers is forwarding the new card to her North Carolina address. We are adding funds to the card to reimburse her for service fees charged to her during this period. We have asked her, when she receives the new card, to remove the funds off the card and we will close the card. Again, we apolgize for her inconvenience.

Here is the further information you requested:1. My mailing address is:  [redacted]2. Commerce Bank, [redacted]3. Desired results: ALL late fees, interest, charges, etc. come off once and for all, and maybe an apology,...

for THEIR error, aggravation, stress it has caused.

Per our previous correspondence, if a payment was made by January 4, 2018, to bring the account current, the Bank would refund the $37 late fee. You made the applicable payment on December 29, 2017; however, the fee was not refunded as agreed. Please accept our apologies for this oversight. We have refunded the late fee and the credit of $37 posted to your account on April 6, 2018.

This customer had a vehicle loan and the car was deemed a total loss. The bank received a check from the insurance company on June 30, 2016 and this covered the July payment. On August 2, 2016 the bank received a check from the GAP insurance and this covered the August payment. The check from GAP...

did not payoff the full balance, so payment was still required moving forward. The September payment, due September 5, 2016, was not made. The bank received a check to cover the remaining balance owed on September 22, 2016. This loan is now closed and at a zero balance. If the customer's credit score was affected by this loan, it was the result of the customer having at least 5 late payments over the life of the loan. If the customer received any customer service that was less than satisfactory, we sincerely apologize.

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]

Bank records show this loan was paid in full and closed on February 22, 2016. On February 29, 2016 the paid letter and lien release were mailed to the address the Bank had on file for the customer. On July 5, 2016 the customer called the Bank to see why they had not...

received the lien release. It was at this time the Bank was notified the customer had changed mailing addresses. A request to resend the lien release, to the new address, was submitted. As of today, this has not been returned to the Bank as undeliverable by the USPS.  On July 26, 2016 the customer called the Bank to state they have still not received the lien release. Again, we are not aware of any reason the customer should not have received the second mailed release sent on July 5, 2016. However, the Bank faxed a copy of the lien release, at the customer's request, and it was received by the customer on July 26, 2016.

This customer claims that her now closed Commerce Bank
credit card is reporting to the credit bureau. Our research shows that the
customer contacted us regarding the reporting of her credit card at an earlier
date, and at that time, we erred and neglected to send an updated report to...

the
credit bureaus. We apologize for this error. Upon research we show that a
credit dispute was initiated on February 24, 2016. We are in the process of
updating the credit bureau files regarding this account and they should be
updated in 30-45 days. We apologize for the frustration this has caused.

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]

This customer was working with the bank’s mortgage department and was upset the appraisal was deemed unacceptable. As a result, the customer requested a refund of both the appraisal fee and the credit check fee, totaling $455. The bank agreed to this refund on July 10, 2017, and called the customer...

and left voicemails on both July 10, 2017, and July 11, 2017. Both calls were not returned by the customer. On July 24, 2017, the bank was able to reach the customer to confirm the refund should be mailed. The refund of $455 was mailed July 25, 2017.

Research found this customer has never signed up for the text alerts, and therefore, would not have access to the Arbitration Agreement. The Arbitration Agreement is available during the enrollment process for our customers who enroll in the text alert service.The bank has sent the customer a letter...

explaining this. Also, as a courtesy, we have sent the customer a copy of the Arbitration Agreement for his records.

Consumer had a complaint regarding a credit inquiry the bank placed on their Experian/Trans Union Credit Report.  The request was done by an auto dealership for a possible loan.  While the loan did not book with the bank, the inquiry was initated by the dealership. Mailed customer a...

response letter.

This customer received a credit card offer by mail. The offer was used at the local branch to open a new credit card. The offer clearly stated that the interest rate, after the introductory period, would be 12.99%. We regret any confusion this customer may have had, but the bank provided the terms...

upfront before the customer chose to apply. The branch used the offer code on the mailed offer and would have only seen the rate listed on the offer.

This customer scheduled a payment online with a bill pay service that will automatically send paper checks on behalf of the customer. The check that was mailed did not arrive by the due date so a late fee and interest were assessed. When the customer contacted the Bank, it was advised to place a stop payment on that check and for the customer to make a new payment, which was received. As a courtesy, the Bank representative refunded the late fee and interest. When the original check finally arrived by mail, the stop payment processed. At this time, an additional refund of a late fee and the interest was applied. This resulted in two refunds of both the late fee and the interest. Two months later, the customer did not pay the full new balance reflected on the billing statement for that month, so interest accrued. While there was no Bank error, the Bank has refunded this interest as well as a courtesy.

We regret to hear that this individual felt harassed by the bank. She spoke with management on February 2, 2017, and it was found that the notification of death that she provided to her local branch was not forwarded to the collection department; and, this was the reason for the calls. We apologize...

for this error and any inconvenience or distress this has caused her. The remaining balanced owed on this loan was paid in full on February 1, 2017, and the account is now closed.

This customer is custodian on 2 minor savings accounts. While the minor savings accounts are not subject to a monthly maintenance fee, they are assessed a fee for any withdrawal over the 3 allowed. Withdrawals are limited on savings accounts by law. As a result, the Bank allows up to 3 withdrawals...

per statement cycle at no charge, with each additional $2 each. The Bank regrets if the customer does not recall this information; however, this is clearly detailed in the Deposit Agreement that is provided at account opening. The most recent charge of $10 was refunded on May 3, 2017. Please note that this is a courtesy and there will be no future refunds unless due to Bank error. If this customer plans to do more than 3 withdrawals during a statement cycle from her savings accounts, she should change them to checking accounts.