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Business Profile

Bank

Bank of Missouri

This business is NOT BBB Accredited.

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Complaints

This profile includes complaints for Bank of Missouri's headquarters and its corporate-owned locations. To view all corporate locations, see

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    Customer Complaints Summary

    • 451 total complaints in the last 3 years.
    • 119 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:07/07/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I paid Aspire bank of Missouri $116 on June 24,2024 because I was told that will bring my account up to date however as of today I still do not see this payment posted to my account and when I called I was told that its because I owed $295 so I asked why don't they listen to the call because why would she ask for $116 if it was $295? Any case the payment still should show it was made but its not there

      Business Response

      Date: 07/22/2024

      Hello,

      Please see the attached response.

      Thank you,

    • Initial Complaint

      Date:07/05/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I was approved for an Aspire Credit Card (backed by the Bank of Missouri) on March 1st 2024. Since then I have paid $218.75 in fees and have never received the card. I contacted the company on Sunday April 14th and let them know I never received my card, they advised me that they would cancel it and send me a new one. I never received the second one either.

      Business Response

      Date: 07/22/2024

      Hello,

      Please see the attached response.

      Thank you,

    • Initial Complaint

      Date:06/27/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Dear Better Business Bureau,I am writing to file a formal complaint against TOTAL ************ regarding an unauthorized account that has been reported on my credit report. Despite my efforts to resolve this issue directly with TOTAL ************, the account remains on my report.Details of the unauthorized account are as follows:Creditor Name: TOTAL ************ Opened Date: 10/03/2023 Account Number: ************ High Credit: $420.00 I have never applied for or opened an account with TOTAL ************. This account's presence on my credit report is negatively impacting my credit score and financial standing. I have contacted TOTAL ************ to dispute this account and provided the necessary documentation to support my claim that this account is fraudulent. Despite my efforts, the account has not been removed from my credit report.I request that the Better Business Bureau investigate this matter and assist in getting this unauthorized account removed from my credit report. TOTAL ************ should take immediate action to correct this error and ensure that no further unauthorized accounts are reported in my name.Thank you for your assistance in resolving this urgent matter.

      Business Response

      Date: 07/23/2024

      July 23, 2024


      Better Business Bureau
      ***************************
      ************************

      RE: Better Business Bureau Complaint ID: ******** ***************************************

      Dispute **********************

      On June 27, 2024, The Bank of Missouri ********** received a complaint from your offices, on
      behalf of the consumer identified in ID ******** (the customer).

      We are reviewing the customers concerns, and a response will be sent directly to the customer; the
      customer should allow 5-7 business days to receive the response in the mail from *********

      Please do not hesitate to contact our office if you have additional questions or concerns.

      Thank you.
      Customer ******************* Services
      ********************

    • Initial Complaint

      Date:06/26/2024

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I received credit card they charged processing fee of 95$ then when I tried to activate card they told me 24 hours then they told me 5 days then they told me 10 days I would have to wait to activate card they have already taken my 95$ out of my checking account

      Business Response

      Date: 07/10/2024

      Hello,

      Please see the attached response.

      Thank you,

    • Initial Complaint

      Date:06/20/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      DEAR TBOM - MILESTONE; I was shocked when I reviewed my credit report and found late payment on the dates below: APRIL AND MAY 2024. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I demand an immediate deletion of this account from all credit reporting agency. I do ask in light of the good standing relationship we have that you remove this 30 day late from my credit report and refund any late fees assessed on my account. Also, I was billed incorrectly under the provisions of FCBA 15 USC 1666b, 1681i, 1692g - Due to these violations and inaccurate reporting i demand an immediate deletions....delete today. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to keep having the positive experience that I have had with you in the past.

      Business Response

      Date: 07/03/2024

      July 3, 2024


      Better Business Bureau
      *****************************************************************************************************

      RE:Better Business Bureau Complaint ID: ******** *******************************

      To whom it may concern:

      We are in receipt of your correspondence received June 20, 2024, regarding the above-named individual. We are reviewing the consumers concerns, and sending a response directly to the consumer.Please allow 5-7 business days for the consumer to receive the response in the mail.

      Please do not hesitate to contact our office if you have additional questions or concerns.

      Thank you.

      Customer Relations Contract Services
      ********************

    • Initial Complaint

      Date:06/15/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Hi TBOM RETAIL/CCI;Never had an account with you. I am filing a formal complaint regarding a violation of my consumer rights under various sections of the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA).According to 15 U.S.C. 602(a), I am entitled to privacy, and 15 U.S.C. 604(a)(2) specifies that a consumer reporting agency cannot furnish an account without my written instructions. I demand that all methods of communication and collections on this account cease immediately. I request the immediate deletion of this account from my credit report as I do not recognize this account, have no knowledge of it, and have no prior contractual obligations with the company in question.You have violated my rights under the following sections of the FDCPA:1. 1692d: By engaging in conduct that harassed, oppressed, and abused me in connection with the collection of an alleged debt, including sending a collection letter containing veiled and empty threats of legal action.2. 1692e: By using false, deceptive, or misleading representations in connection with the collection of a debt, including the following: * 1692e(2)(A): False representation of the character, amount, or legal status of the debt in the collection letter. * 1692e(5): Threatening to take legal action that cannot legally be taken or is not intended to be taken.3. 1692g(b): By engaging in collection activities that overshadowed or were inconsistent with the disclosure of my right to dispute the debt, as stated in the collection letter.4. 1692f: By using unfair or unconscionable means to collect or attempt to collect the debt, as alleged in the misconduct detailed herein.I demand the immediate deletion of this account from all credit reporting agencies. Your actions have significantly impacted my credit report and overall financial wellbeing, and I expect prompt rectification of this issue.

      Business Response

      Date: 06/26/2024

      June 26, 2024


      Better Business Bureau
      ***********************************************************************************************

      RE:Better Business Bureau Complaint ID: ******** ***** Dos ******

      To whom it may concern:

      We are in receipt of your correspondence received June 15, 2024, regarding the above-named individual. We are reviewing the consumers concerns, and sending a response directly to the consumer.Please allow 5-7 business days for the consumer to receive the response in the mail.

      Please do not hesitate to contact our office if you have additional questions or concerns.

      Thank you.

      Customer Relations Contract Services
      ********************

    • Initial Complaint

      Date:06/14/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Subject: Urgent: Unauthorized Account Reported on My Credit Report Dear Better Business Bureau,I am writing to formally complain about an unauthorized account that has appeared on my credit report, indicating a serious issue of identity theft.Details of the Unauthorized Account:Creditor Name: TBOM/VT Opened Date: March 8, 2018 Account Number: **************** This account with TBOM/VT was identified during a routine review of my credit report. I have never authorized or acknowledged the opening of this account and have no knowledge of any transactions associated with it. The presence of this account on my credit report is alarming and suggests a continued violation of my financial privacy.Upon noticing this discrepancy, I immediately contacted TBOM/VT to dispute the account and requested its prompt removal from my credit report. However, the process has been frustratingly slow, and the response from TBOM/VT has been unsatisfactory, lacking in both urgency and clarity.This unauthorized account is not only a misrepresentation of my financial activities but also poses a significant risk to my credit rating and financial reputation. I am seeking the BBB's help to expedite the resolution of this matter. I urge TBOM/VT to provide conclusive proof of authorization, if any, immediately remove this account from my credit report, and ensure all my personal information is protected from further misuse.Thank you for your immediate attention to this matter. I am looking forward to your support in swiftly resolving this issue and safeguarding my rights as a consumer.

      Business Response

      Date: 07/02/2024

      Attached, please find our response to Complaint ID ********.

      Thank you.

    • Initial Complaint

      Date:06/12/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Account number **************** Aspire credit card Ive been in the hospital for the last few months can you give please waive the late fees so I can get back on track.

      Business Response

      Date: 06/28/2024

      Hello,

      Please see the attached response.

      Thanks,

    • Initial Complaint

      Date:06/09/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with (BK OF MISSOURI/TOTAL CARD)I do not have a contract with (RESURGENT ACQUISITIONS LLC) They did not provide me with the original contract as requested.

      Business Response

      Date: 06/27/2024

      Attached, please find our response to Complaint ID : ********.

      Thank you. 

    • Initial Complaint

      Date:05/29/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      **************************** *************************************** May 29, 2024 Subject: Complaint Against Milestone, Equifax, TransUnion, Experian, Bank of Missouri Dear Sir/*****,I lodge a complaint against Milestone, Equifax, TransUnion, Experian, and Bank of Missouri for inaccurate payment history reporting, causing harm to my credit score.Entities reported negatively on my credit after full payment on 7/22/22, causing emotional distress and financial harm.Requested Relief: $5,000.Sincerely,****************************

      Business Response

      Date: 06/13/2024

      June 13, 2024


      Better Business Bureau
      ***********************************************************************************************

      RE:Better Business Bureau Complaint ID: ******** *************************

      To whom it may concern:

      We are in receipt of your correspondence received May 29, 2024, regarding the above-named individual. We are reviewing the consumers concerns, and sending a response directly to the consumer.Please allow 5-7 business days for the consumer to receive the response in the mail.

      Please do not hesitate to contact our office if you have additional questions or concerns.

      Thank you.

      Customer Relations Contract Services
      ********************

      Customer Answer

      Date: 06/13/2024

      June 13, 2024

      Better Business Bureau
      *****************************************************************************************************

      RE: Better Business Bureau Complaint ID: ******** *************************

      To whom it may concern,

      I am writing to notify you that, as of todays date, I have not received any correspondence from The Bank of Missouri regarding the above-referenced complaint. I have waited to send this letter until I received todays mail from the ************** to ensure there was no delay on my end.

      This lack of response is concerning and seems to reflect a pattern of behavior noted in various settlements and lawsuits involving The Bank of Missouri and similar institutions. For instance:

      1.Case Law: In Doe v. The Bank of Missouri, the court found that the bank had failed to respond to consumer complaints in a timely and satisfactory manner, resulting in significant penalties and mandated corrective actions.
      2.Other Settlements: Numerous settlements have documented similar issues where financial institutions, including The Bank of Missouri, have neglected to address consumer complaints adequately. This pattern demonstrates a systemic issue within the organization that needs to be addressed urgently.

      Furthermore, I have previously lodged complaints with the ************************************ (CFPB) regarding similar issues with The Bank of Missouri, which are documented under the following complaint IDs:

      ***************
      240606-14750919
      240607-14757221
      240603-14703436

      These complaints highlight ongoing issues with the practices of The Bank of Missouri, reinforcing the need for immediate corrective action.

      This pattern of neglect is unacceptable and demonstrates a consistent failure to meet consumer protection standards. I urge the Better Business Bureau to take immediate action to ensure that my complaint is addressed promptly and appropriately.

      If there are any further questions or if additional information is required, please feel free to contact me.

      Thank you for your attention to this matter.

      Sincerely,

      *************************
      *********************************************************************************
      Email: ***********************
      Phone: ************

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