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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

    • 454 total complaints in the last 3 years.
    • 121 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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:12/26/2023

      Type:Order 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’m not liable for this debt with THE BANK OF MISSOURI RET I do not have a contract with the collection agency they did not provide me with the original contract as I requested

      Business Response

      Date: 01/09/2024

      January 9, 2024


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


      To whom it may concern:


      We are in receipt of your correspondence received December 28, 2023, regarding the above-named individual. We are reviewing the consumer’s 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
      The Bank of Missouri

    • Initial Complaint

      Date:12/26/2023

      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 have fallen victim to identity theft, evidenced by unauthorized transactions and dubious activities associated with my identity. I've already lodged a police report and am now seeking help to address this situation. My goals are to recoup my financial losses, restore my good name, and I kindly ask for your assistance in removing these fraudulent entries from my credit report. Your support in this matter would be greatly appreciated. BK OF MO opened on Mar 7, 2020.

      Business Response

      Date: 12/27/2023

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

      Thank you.

      December 27, 2023


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

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

      Dispute Resolution Department:

      On December 26, 2023, The Bank of Missouri (“The Bank”) received a complaint from your offices, on behalf of the
      consumer identified in ID ******** (the “customer”).

      We are reviewing the consumer’s 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 The Bank.

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

      Thank you.
      Customer Relations – Contract Services
      The Bank of Missouri

    • Initial Complaint

      Date:12/23/2023

      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 have been on autopay for several years and if a payment has not gone thru I have been diligent about getting that payment in. In september my text messages have stopped. I called when I noticed that there was a ding to my credit and was told that I told the company my phone number was not me. I never did this. I have relied on my **bile device for all of my CC transactions and notifications for years. When I log into my acct the number on my acct is still my correct number so there was no reason that they could not reach me. They have never left a message. They said I called in on 9/25 but the screen shots show I have no outgoing calls to them on that day nor have I ever received any texts since the week prior to that date. I Also received an email 3 weeks ago about not being on autopay any**re0 I literally thought my acct was paid off since my balance was so small. So there was no attempt prior to that to make any payments. I have copies of my balance for several **nths on the 18th when they take out **ney but they said it was returned. I had plent of funds to cover the $42 pmt that would have been taken or any other a**unt I could have owed for that matter. Their records of someone calling in about my phone number contact or attempting to re**ve funds for a pmt are completely false. This has tanked my credit score and I have paid off my acct in full today. Based on their score this is not a reliable place to do business and has numerous complaints. I would like help getting this re**ved from my credit score.

      Business Response

      Date: 01/05/2024

      Hello,

      Please see the attached response.

      Thank you,

       

      January 5, 2024   Better Business Bureau  *** ** ********, ***** **** *** *****, ** *****  RE: Better Business Bureau Complaint ID: ******** – ******** ****  To whom it may concern:  We are in receipt of your correspondence received December 23, 2023, regarding the above-named individual. We are reviewing the consumer’s 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 The Bank of Missouri 

    • Initial Complaint

      Date:12/12/2023

      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'm deeply troubled by the sharing of my nonpublic information with credit bureaus, leading to inaccuracies in my report. This has caused immense financial and emotional distress. Under 15 USC 1681 Section 602, I have the right to privacy. Additionally, 15 USC 1681 Section 604 A Section 2 prohibits furnishing accounts without my written instructions. Moreover, under 15 USC 1666 B, late treatment of payments on my account is prohibited.

      Please rectify these inaccuracies promptly to alleviate the distress caused. My account number is 431732022331****. I trust you'll address this matter in accordance with the law and ensure accurate reporting going forward.

      Business Response

      Date: 01/03/2024

      Attached, please find The Bank's response to Complaint ID ********.

      Thank you.

       

      January 3, 2024   ****** ******** ******  *** ** ********* ***** **** *** ****** ** *****  RE: Better Business Bureau Complaint ID: ********  Dispute Resolution Department:  On December 12, 2023, The Bank of Missouri (“The Bank”) received a complaint from your offices, on behalf of the consumer identified in ID ******** (the “customer”).   We are reviewing the consumer’s 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 The Bank.   Please do not hesitate to contact our office if you have additional questions or concerns.  Thank you. Customer Relations – Contract Services The Bank of Missouri 

    • Initial Complaint

      Date:12/05/2023

      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.
      To Whom it may concern,

      This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

      ** **** *********** ******** **** #: *******BAL. $760.00

      Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don’t respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

      Business Response

      Date: 12/21/2023

      December 21, 2023


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

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

      Dispute Resolution Department:

      On December 5, 2023, The Bank of Missouri (“The Bank”) received a complaint from your offices, on behalf of the
      consumer identified in ID ******** (the “customer”).

      We are reviewing the consumer’s 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 The Bank.

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

      Thank you.
      Customer Relations – Contract ********
      The Bank of Missouri

    • Initial Complaint

      Date:12/01/2023

      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 have no obligation to thi* company by the name of BK OF MI**OURI/TOTAL CARD, yet they are continiou*ly reporting a fal*e account to my credit report, which i* harming my credit and relation*hip with other lender*. Thi* account mu*t be removed from my report. Information on my report *howca*e* a* the following: Date opened - 12/08/2018 *tatu*- Clo*ed. $430 written off. - *tatu* updated - Nov 2023 Balance $0 Balance updated 11/13/2023 Company contact information:
      Contact info
      Phone number
      ***** ********
      Addre**
      **** * ******** ** ***** *****, *D *****

      Business Response

      Date: 12/21/2023



      December 21, 2023


      Better Bu*ine** Bureau
      *** ** ********* ***** ****
      *** ****** ** *****

      RE: Better Bu*ine** Bureau Com**aint ID: ********

      Di*pute Re*olution Department:

      On December 2, 2023, The Bank of Mi**ouri (“The Bank”) received a com**aint from your office*, on behalf of the
      con*umer identified in ID ******** (the “cu*tomer”).

      We are reviewing the con*umer’* concern*, and a re*pon*e will be *ent directly to the cu*tomer; the cu*tomer *hould
      allow 5-7 bu*ine** day* to receive the re*pon*e in the mail from The Bank.

      **ea*e do not he*itate to contact our office if you have additional que*tion* or concern*.

      Thank you.
      Cu*tomer Relation* – Contract *ervice*
      The Bank of Mi**ouri

    • Initial Complaint

      Date:12/01/2023

      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.
      Bank of Missouri Attn: Customer Service **** *** *** *** ******, MO *****

      Subject: Urgent: Request to Rectify Credit Reporting Inaccuracies - Account Number: ****************

      Dear Bank of Missouri,

      I am writing to express concern about inaccuracies in my credit report (account: ****************). These errors have caused significant financial and emotional distress. According to 15 USC 1681 Section 602, I have a right to privacy, and 15 USC 1681 Section 604 A Section 2 prohibits furnishing an account without written instructions, which I have not provided.

      Additionally, 15 USC 1666 B prohibits treating timely credit card payments as late. I urgently request a review and correction of these inaccuracies with the three major credit bureaus.

      Your prompt attention to this matter is appreciated.

      Business Response

      Date: 12/01/2023

      After further review, we have determined this complaint was sent to the incorrect company. The complaint is about Bank of Missouri, which is not affiliated with Capital One.

      Business Response

      Date: 12/21/2023


      December 21, 2023


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

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

      Dispute Resolution Department:

      On December 1, 2023, The Bank of Missouri (“The Bank”) received a complaint from your offices, on behalf of the
      consumer identified in ID ******** (the “customer”).

      We are reviewing the consumer’s 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 The Bank.

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

      Thank you.
      Customer Relations – Contract Services
      The Bank of Missouri

    • Initial Complaint

      Date:11/30/2023

      Type:Billing Issues
      Status:
      Unresolved
      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.
      My information was sold and bought illegally because I was a victim of the ******* data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that ******* has admitted that I was in fact a victim of this data breach and ******* has done nothing. Please help me delete these illegal accounts from my credit reports.

      Customer Answer

      Date: 12/12/2023

      15 U.S. Code 1681c-2 - identity theft I have contacted this company and let them know that I was a victim of identity theft. I have sent police reports as well. Account: ****

      Customer Answer

      Date: 12/12/2023

      I have been the victim of identity theft and have turned in police reports. I have to do another report because the address has change. 15 U.S. Code 1681c-2 - identity theft I’m in the process of buying a house and need this account removed THE BANK OF MISSOURI Account NUMBER: ****

      Business Response

      Date: 12/21/2023

      December 21, 2023


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

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

      Dispute Resolution Department:

      On November 30, 2023, The Bank of Missouri (“The Bank”) received a complaint from your offices, on behalf of the
      consumer identified in ID ******** (the “customer”).

      We are reviewing the consumer’s 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 The Bank.

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

      Thank you.
      Customer Relations – Contract Services
      The Bank of Missouri

      Customer Answer

      Date: 12/21/2023

      Complaint: ********



      I am rejecting this response because:


      I have been fighting this case for months I am a disabled low vision woman. I have had fraudulent accounts for years. I need this removed or I will sue. My FTC Report number is. ************



      Sincerely,



      ***** *******

    • Initial Complaint

      Date:11/30/2023

      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.
      In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy (15 USC 1681 section 604a section 2) it also states a consumer reporting agency can not furnish on an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

      Business Response

      Date: 12/19/2023

      December 19, 2023


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

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

      To
      whom it may concern:

      We are in receipt of your correspondence
      received November 30, 2023, regarding the above-named individual. We are
      reviewing the consumer’s 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
      The Bank of Missouri

    • Initial Complaint

      Date:11/30/2023

      Type:Order 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 THE BANK OF MISSOURI. I do not have a contract with THE BANK OF MISSOURI. They did not provide me with the original contract as I requested.

      Business Response

      Date: 12/21/2023

      December 21, 2023


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

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

      Dispute Resolution Department:

      On November 30, 2023, The Bank of Missouri (“The Bank”) received a complaint from your offices, on behalf of the
      consumer identified in ID ******** (the “customer”).

      We are reviewing the consumer’s 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 The Bank.

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

      Thank you.
      Customer Relations – Contract Services
      The Bank of Missouri

    Bank of Missouri is NOT a BBB Accredited Business.

    To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

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