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Bank of MissouriThis 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
Customer Complaints Summary
- 454 total complaints in the last 3 years.
- 122 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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.
Initial Complaint
Date:10/17/2023
Type:Billing IssuesStatus:ResolvedMore info
Complaint statuses
- 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 a credit card (cerulean) and I have situation and a cant pay it for a month. And before I know when I start to pay back every time I pay a month they come back with another late fee and interest doubling my payments so call they promise me to stop the late only but I call today they said they cant do that. Practically every time I paid they double the price and the *** continues to go up. Is crazy. Never down I start at $750 now is at $1,039 and only I was behind one payment the more I paid the more going up. I need help asking why . Thanks in advance.Business Response
Date: 10/26/2023
October 26, 2023
Better Business Bureau
**********************************************************************
RE:Better Business Bureau Complaint ID: ******** ***********************
To whom it may concern:
We are in receipt of your correspondence received October 17, 2023, 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 *****************
********************Customer Answer
Date: 10/26/2023
Better Business Bureau:
I have reviewed the response made by the business in reference tocomplaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
***********************Initial Complaint
Date:10/17/2023
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- 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.
********* ********************* $0.00
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: 11/01/2023
October 31, 2023
Better Business Bureau
211 N. Broadway, Suite 2060
*** ****** ** *****
RE: Better Business Bureau Complaint ID: 20740152 – ***** *****
To whom it may concern:
We are in receipt of your correspondence received October 17, 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 MissouriInitial Complaint
Date:10/12/2023
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- 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 a ******* credit card issued by this bank, account ends in ****. The account has extremely high fees. The representatives do not speak English. On October 11, I called to close my account and pay it off. I was transferred a total of 7 times. I was told that they would not close my account. They offered me a $29.00 credit. I refused.
The account is paid off. I paid the account off on Oct 11. I want the yearly fee refunded to me that was charged on 09/30/2023. I have attached the statement where it clearly states that if you close the account and pay it off within 30 days the fee will be refunded. I also feel due to the lack of customer service that I should be refunded 1 year of the 10.00 monthly fee, $120.00.
I was told even if I carry a zero balance, my account is charged $10.00 per month, outrageous.
I demand the account be closed, and my fees be refunded to me. The account is to be reported paid and closed. A $120 fee for a credit line of $500 is outrageous and to charge an additional amount on my statement is outrageous.Customer Answer
Date: 10/15/2023
i want the bank to refund the payment of $482.79 that was a mistake. My normal monthly payment is aruond $49.00 of whcih was paid on Oct 10th the next payment is due on NOv 10th. I made a mistake by submitting that amount. I called in and told the rep on sunday he said he noted it in my accuontBusiness Response
Date: 10/30/2023
October 27, 2023
Better Business Bureau
*** ** ********* ***** ****
*** ****** ** *****
RE: Better Business Bureau Complaint ID: ********– ******** ******
To whom it may concern:
We are in receipt of your correspondence received October 13, 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 MissouriInitial Complaint
Date:10/12/2023
Type:Customer Service IssuesStatus:AnsweredMore info
Complaint statuses
- 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 make timely payments with this credit card company. Every time I go to the store and attempt to use the card they will not accept the card. I live in New Jersey and these business's use to accept the credit card but now they will not stating that the business is not a good business. I shut the credit card down because I am not able to use the credit card. I do not want this to go against my credit report.Business Response
Date: 10/24/2023
October 24, 2023
Better Business Bureau
*** ** ********* ***** ****
St. Louis, MO *****
RE: Better Business Bureau Complaint ID: ******** – ****** ******
Dispute Resolution Department:
On October 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 MissouriCustomer Answer
Date: 10/25/2023
Complaint: ********
I am rejecting this response because: the company is not to be trusted. They were taking my payments but I couldn't use the card. They also haven't gotten in touch with me. I would like them to waive all late charges. I would also would like a letter sent to the Better Business Bureau that this will not effect my credit.
Sincerely,
****** ******Business Response
Date: 11/01/2023
November 1, 2023
Better Business Bureau
*** ** ********* ***** ****
St. Louis, MO *****
RE: Better Business Bureau Complaint ID # ********: ****** ******
Dispute Resolution Department:
On October 25, 2023, The Bank of Missouri (“The Bank”) received a message from your offices,
on behalf of the consumer identified in ID ******** (the “customer”), wherein the customer stated
they are rejecting The Bank’s October 25, 2023 response to their complaint.
In that regard, The Bank mailed a response directly to the customer on October 25, 2023 and the
customer should allow 5-7 business days from October 25, 2023 to receive the response in the mail
from The Bank.
Thank you.
Customer Relations – Contract Services
The Bank of Missouri
Initial Complaint
Date:10/06/2023
Type:Order IssuesStatus:ResolvedMore info
Complaint statuses
- 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 "Bank of Missouri". They did not provide me with the original contract as I requested.Business Response
Date: 10/18/2023
October 18, 2023
Better Business Bureau
**********************************************************************
RE:Better Business Bureau Complaint ID: ******** ***********************
To whom it may concern:
We are in receipt of your correspondence received October 6, 2023, 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 *****************
********************Customer Answer
Date: 10/20/2023
Complaint: 20702488
I am rejecting this response because:Business asked to allow 5-7 business days for me to receive correspondence by mail. I have yet to receive to receive any type of correspondence from business in any format. As stated before, I have no knowledge of this account of its discrepancies. I would like the account to be removed from my credit report as soon as possible.
Sincerely,
***********************Business Response
Date: 10/20/2023
The letter we sent to the customer, dated October 18, 2023, was not mailed until yesterday, October 19, 2023. Please allow 5-7 days from October 19, 2023, for the customer to receive our response.
Thank you,
***********************
Customer Answer
Date: 10/24/2023
Better Business Bureau:
I have reviewed the response made by the business in reference tocomplaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
***********************Initial Complaint
Date:10/05/2023
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- 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 Name
BK OF MISSOURI/TOTAL CARD
Account Number
******XXXXXXXXXX
Account Type
Credit card
Responsibility
Individual
Date Opened
04/03/2017
Status
Credit card reported lost or stolen, closed.
Status Updated
Apr 2020
Payment history guide
30 days past due as of Jul 2019Business Response
Date: 10/24/2023
October 24, 2023
Better Business Bureau
*** ** ********* ***** ****
St. Louis, MO *****
RE:
Better Business Bureau Complaint ID: ********-**** ********Dispute Resolution Department:
On October 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 Services
The Bank of Missouri
Customer Answer
Date: 10/24/2023
Complaint: ********
I am rejecting this response because:
the response does not clearly provide a resolution to my ask.
Sincerely,
**** ********Business Response
Date: 11/01/2023
November 1, 2023
Better Business Bureau
*** ** ********* ***** ****
St. Louis, MO *****
RE: Better Business Bureau Complaint ID # ********: **** ********
Dispute Resolution Department:
On October 25, 2023, The Bank of Missouri (“The Bank”) received a message from your offices,
on behalf of the consumer identified in ID ******** (the “customer”), wherein the customer stated
they are rejecting The Bank’s October 25, 2023 response to their complaint.
In that regard, The Bank mailed a response directly to the customer on October 25, 2023 and the
customer should allow 5-7 business days from October 25, 2023 to receive the response in the mail
from The Bank.
Thank you.
Customer Relations – Contract Services
The Bank of MissouriInitial Complaint
Date:10/05/2023
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- 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.
BK OF MO/FA ACCT #: **************** BAL.$0.00
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: 10/24/2023
October 23, 2023
Better Business Bureau
*** ** ********* ***** ****
*** ****** ** *****
RE: Better Business Bureau Complaint ID: ******** – ****** ******
Dispute Resolution Department:
On October 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 Services
The Bank of MissouriInitial Complaint
Date:09/27/2023
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- 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 Credit Cards. They have infringed upon my rights to privacy. In accordance with 15 USC **** (4) my privacy was invaded and this company has provided incorrect information on all consumer reporting agency's reports. ** *** **** b 1 a, they've never allowed me to OPT OUT of sharing any details of my finances with other financial institutions. ** *** ****, they've never given me expressed/written notice of my rights to OPT OUT of any disclosure of my financial "nonpublic personal information" to any other financial institutions (as defined by the FCRA) ie. the consumer reporting agencies Transunion, Experian, and Equifax. They have neglected to delete their information from my reports after several reports have been filed and after making several complaints to the CFPB. They have neverclearly and conspicuously given me any documentation that outlined my rights, as a consumer, to OPT OUT from their consumer reporting prior to these items being placed on my consumer report. These accounts should be investigated and deleted for violating my rights.Business Response
Date: 10/17/2023
Attached, please find our response to Complaint ID ********.
October 17, 2023
Better Business Bureau
*** ** ********* ***** ****
*** ****** ** *****
RE: Better Business Bureau Complaint ID: ******** – ******** *******
Dispute Resolution Department:
On September 28, 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 MissouriInitial Complaint
Date:09/25/2023
Type:Customer Service IssuesStatus:AnsweredMore info
Complaint statuses
- 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.
Hello,
I am not responsible 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: 10/10/2023
Better Business Bureau
*** ** ********* ***** ****
*** ****** ** *****
RE: Better Business Bureau Complaint ID # ********: ***** ******
Dispute Resolution Department:
On September 26, 2023, The Bank of Missouri (“The Bank”) received a complaint from your
offices, on behalf of the consumer identified in ID ******** (the “consumer”).
We are reviewing the consumer’s concerns, and a response will be sent directly to the consumer;
the consumer is encouraged to allow 5-7 business days to receive The Bank’s 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 MissouriInitial Complaint
Date:09/25/2023
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- 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 two accounts that popped up on my credit report from the bank of missouri reporting as TBOM. These accounts have been paid off throuhg their collection agency Jefferson Capital systems. Now, I understand that they are in no way liable to delete different information but on August and Sept of 2023, one account they marked as past due, This account is almost 7 years old and Jefferson Capital was paid over two years ago. Legally, they can NOT go in and update it to past due for Sept of 2023. They did this and made my score drop by 34 points. One account is from 2017 and one from 2018. They sold these, they were paid to the Jefferson Capital they sold it to, why drop in over six years later and mark a 30 day late payment. this is complete disregard for my rights under the FCRA, my nest step if this isnt fixed immediately is to contact the cfpb. The BANK OF MISSOURI broke the law by doing this. im enclosing proof!Business Response
Date: 10/17/2023
Attached, please find our response to Complaint ID ********.
Thank you.
October 17, 2023
Better Business Bureau
*** ** ********, ***** ****
*** ****** ** *****
RE: Better Business Bureau Complaint ID: ******** – ********* *******
Dispute Resolution Department:
On September 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 customer’s concerns, and a response will be sent directly to the customer; the
customer should allow 5-7 business days to receive the response directly 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.
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