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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.
    • 122 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:09/20/2023

      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.
      This account is fraudulent and i have requested to have it investigated and i have not gotten any feesback from this company.

      Business Response

      Date: 10/06/2023

      Hello,

      Please see the attached response.

      Thanks,

      October 4, 2023


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

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

      To whom it may concern:

      We are in receipt of your correspondence received September 20, 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 Contract Services
      The Bank of Missouri
       

       

    • Initial Complaint

      Date:09/12/2023

      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.
      This account I told this company my identity was stolen and they still placed this as a charge off and it seem they got paid for something they should have taken off altogether. 15 USC 1692 and 15 USC 1681

      Business Response

      Date: 09/28/2023

      September 28, 2023

      Better Business Bureau
      211 N. Broadway, Suite 2060
      St. Louis, MO 63102

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

      Dispute Resolution Department:

      On September 12, 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 Missouri

    • Initial Complaint

      Date:09/11/2023

      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. $0

      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: 09/13/2023

      September 13, 2023

      Better Business Bureau 
      211 N. Broadway, Suite 2060
      St. Louis, MO 63102

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

      To whom it may concern:

      We are in receipt of your correspondence received September 12, 2023, regarding the individual listed above. 

      We have conducted a review of our customer databases for active accounts, credit applications, and charged off accounts, and we were not able to locate an account for this consumer based on the information provided. However, it is possible that we may be able to locate an account with additional information, which may include the account number, any prior names used, social security number, a copy of their credit report reflecting the account, etc.

      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:09/10/2023

      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 ******* ***, I do not have a contract with ********* ******* ******, they did not provide me with the original contract as I requested.

      Business Response

      Date: 09/27/2023

       September 27, 2023   Better Business Bureau  *** ** ********* ***** **** *** ****** ** *****  RE: Better Business Bureau Complaint ID # ********: ******* *******  Dispute Resolution Department:  On September 10, 2023, The Bank of Missouri (“The Bank”) received a complaint from your offices, on behalf of the consumer identified in ID ******** (the “consumer”).   We have conducted a review of our customer databases for active accounts, credit applications, and charged off accounts, and we were not able to locate an account for this consumer based on the information provided. However, it is possible that we may be able to locate an account with additional information, which may include the account number, any prior names used, social security number, a copy of their credit report reflecting the account, etc.  This same response/information 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 Missouri 

    • Initial Complaint

      Date:09/08/2023

      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.
      The Bank of Missouri revoked my credit card without warning, affecting my credit score,
      I have had a Verve card that ends in **** for about a year, paid on time every month, The Bank of Missouri withdrew money from an account that was already closed, and when I became aware I immediately made the payment through their website page they were recorded paid in full by them. Today due to a credit alert I was informed that this card was revoked by them, I would like my credit card to be reinstated, ??all minimum payments required have been paid and I have always managed my credit card with care. I find it unfair that because of a return payment that was covered in full they have made this decision.

      Business Response

      Date: 09/22/2023

      September 22, 2023

      Better Business Bureau
      *** ** ********* ***** ****
      St. Louis, MO 63102

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

      To whom it may concern:

      We are in receipt of your correspondence received September 08, 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:09/07/2023

      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 am not liable for this debt with Bank of Missouri/*** ****** ****. I do not have a contract with ******* **** Group. They did not ;provided me with the Original Contract as requested.

      Business Response

      Date: 09/27/2023

      September 26, 2023   Better Business Bureau  *** ** ********* ***** **** *** ****** ** *****  RE: Better Business Bureau Complaint ID # ********: ******* *******  Dispute Resolution Department:  On September 7, 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 Missouri 

    • Initial Complaint

      Date:09/06/2023

      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.
      Since the beginning of December 2022 I was in touch with Total CC to change my due date from the 1st of the month to the 4th of the month due to when I receive my SS. I was assured that it was changed going forward. However, since then I have been charged a $41 late fee every month. I always make my payents on time. I have called several times have been told that the fees would be taken off and still nothing. This company is horrible and I wish I had never applied for their card!

      Business Response

      Date: 09/27/2023

      September 27, 2023

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

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

      Dispute Resolution Department:

      On September 6, 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 Missouri

    • Initial Complaint

      Date:08/30/2023

      Type:Customer Service Issues
      Status:
      Resolved
      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 an MC credit card from Cerulean, Bank of Missouri, St. Robert, MO, **** ** ***** Will not allow me to enter my address correctly. I have tried 30 times, and called Cerculean on 8-30-23 @ 3:00 pm EST, and they verified the issue. I was told we can't do anything. Wait 24 hours. I have tried over months and waited a week, at times, and still will not allow me the CHANGE my address. Please fix my address ASAP

      Business Response

      Date: 09/12/2023

      Hello,

      Please see the attached response.

      Thanks,

      September 11, 2023 

      Better Business Bureau

      211 N. Broadway, Suite 2060

      St. Louis, MO 63102

      RE: Better Business Bureau

      Complaint ID: ******** * ***** ******

      To whom it may concern:

      We are in receipt of your correspondence received August 30, 2023, regarding the individual listed above. 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

      Customer Answer

      Date: 09/12/2023

      Complaint: ********



      I am rejecting this response because:  You the merchant wants to talk to bank, you will NOT trust me, even after the bank letter they gave you stated NO lack of funds or insufficient funds, or low balance and NO electronic requests from you to them has EVER been denied

      Some how merchant and you need to talk, you put this on me and so do they, but no one will except responsibility for credit card transactional bank inter-communication

      I am NOT the BANK or MERCHANT but both of you keep asking me to fix this, I CANNOT 



      Sincerely,



      ***** ******

      Business Response

      Date: 09/13/2023

      Hello,

      Please see the attached response.

      Thanks,

       September 13, 2023

      Better Business Bureau 

      211 N. Broadway, Suite 2060

      St. Louis, MO 63102 

      RE: Better Business Bureau Complaint ID * ********* ***** ******  Dispute Resolution Department:  On September 13, 2023, The Bank of Missouri (“The Bank”) received a message from your offices, on behalf of the consumer identified in ** ******** (the “consumer”), wherein the consumer stated they are rejecting The Bank’s September 12, 2023, response to their complaint.   A response was sent directly to the consumer on September 13, 2023, and they are encouraged to allow 5-7 business days to receive The Bank’s response in the mail. 

      Thank you.

      Customer Relations – Contract Services The Bank of Missouri 

      Customer Answer

      Date: 09/14/2023

      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.



      Sincerely,



      ***** ******

    • Initial Complaint

      Date:08/25/2023

      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 am writing to address a concerning matter related to an account that is inaccurately reported on my credit report by your company. The purpose of this letter is to formally request the immediate removal of this outdated and incorrect account from my credit report.

      The Bank of Missouri/ Tbom Vt **************** 
      Upon careful examination of my credit reports from all three major credit reporting agencies – Experian, Equifax, and TransUnion – I have identified that this account continues to be inaccurately reported on my credit reports, despite the fact that the account reached its 7-year reporting period in 2015.

      Furthermore, it has come to my attention that the account in question was sold to another lender, yet your company continues to report this account. This erroneous reporting not only violates the Fair Credit Reporting Act (FCRA) but also adversely affects my creditworthiness and financial well-being.

      The FCRA mandates that outdated negative information, such as late payments, collections, and charge-offs, should be removed from credit reports after seven years from the date of first delinquency. I am sure you are aware that continuing to report this account beyond its legally mandated reporting period is a violation of the FCRA.

      Additionally, the inconsistent reporting by each of the three credit reporting agencies adds to the confusion and inaccuracies surrounding this account. It is deeply concerning that each credit report displays different information regarding the same account, further undermining my trust in the accuracy of the credit reporting system.

      At this time, I am not seeking any monetary compensation. My primary request is for the immediate removal of this incorrect and outdated account from my credit reports. I believe in the importance of accurate credit reporting and trust that your company will take swift action to address this matter.

      Business Response

      Date: 09/08/2023

      September 8, 2023

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

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

      Dispute Resolution Department:

      On August 25, 2023, The Bank of Missouri 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.
      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

      Customer Answer

      Date: 09/25/2023

      This company did not send any correspondence in the mail regarding this complaint.

      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 message from your offices,
      on behalf of the consumer identified in ID ******** (the “consumer”), wherein the consumer
      stated they did not receive any correspondence directly from The Bank.

      A response was sent directly to the consumer on September 8, 2023; however, The Bank has mailed
      an additional copy of its response to the customer and the customer should allow 5-7 business days
      to receive the response in the mail.


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


    • Initial Complaint

      Date:08/24/2023

      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.
      Regarding account ending 3055, ;****** repeatedly penalizes me for simply paying my balance down throughout the month and fraudulently placing fraud holds on my account. I was unable to make any payment the last few weeks bc of this erroneous hold. My autopay took effect that was not suppose but they had frozen my account to where I could not use card nor make a payment. Now my payment is late, and they slapped me with a large late charge of $29. I have proof and screenshots of where I tried to pay my bill 6 separate times by due date, but their system would not allow me due to hold placed on account in error. Kept rec'g erro "Oops try again later" What kind of mess is that?? You prevent customer from making payment and then penalize me for their mess up. I refuse to pay anyhting on my balance until the erroneous hold is removed and the late fee is credited back. PERIOD.

      Business Response

      Date: 09/06/2023

      Hello,

      Please see the attached response.

      Thanks,

      September 7, 2023


      Better Business Bureau
      211 N. Broadway, Suite 2060
      St. Louis, MO 63102

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

      To whom it may concern:

      We are in receipt of your correspondence received August 24, 2023, regarding the individual listed
      above. 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

    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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