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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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:08/21/2023

      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 having this credit card I have been enrolled in *******. Now they are telling me ******* was off and they reported me to the credit bureau. I have made every payment on time for every credi card I have. Now my credit score went down 30 points. My sccount is now up to date but they really have screwed my credit report. There website and app never work and they hang up on you when you try calling so I didn't feel the need to check my account everyday because ******* was on. Please look jnto this company. I'm sure they have done this before. Thank you

      Business Response

      Date: 09/01/2023

      To whom it may concern:
      We are in receipt of your correspondence received August 21, 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

    • Initial Complaint

      Date:08/18/2023

      Type:Sales and Advertising 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 bank placed a huge error on my credit report that made my score plummet. I had a credit card with Overstock.com that I NEVER USED. I never made a purchase but I made payments. I phoned Overstock over a year ago and asked if I closed my account, would I be penalized. The customer service representative told me I would not be. Now that Overstock has gone out of business and rightfully so, I see this charge on my credit report for $1,200.00 dollars. I did not receive a bill, email or phone calls saying I had a balance and where did the balance come from if I never made a purchase??? I want The Bank of Missouri to remove this erroneous charge from my credit report.

      Business Response

      Date: 09/01/2023




      September
      1, 2023


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

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

      To
      whom it may concern:

      We are in receipt of your
      correspondence received August 19, 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


    • Initial Complaint

      Date:08/18/2023

      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/Total Card and do not have a contract with *** ******* ********** **** They did not send me the original application I requested.

      Business Response

      Date: 08/29/2023

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

      Thank you.

      August 29, 2023 

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

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

      *** ****** ** ***** RE: Better Business Bureau Complaint ID: ******** – ******* ****** Dispute Resolution Department:  On August 18, 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 

    • Initial Complaint

      Date:08/11/2023

      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.
      I submitted a dispute on 1/14/2023 and 2/23/2023 and asked for a reinvestigation on 3/18/2023. The company/consumer reporting agencies responded that the information was valid and accurate. This account cannot be accurate. The account still shows the inaccurate date of last activity. This account should be removed because my rights have been violated.

      15 U.S. Code § 1681s–2 (a)Duty of furnishers of information to provide accurate information
      (1)Prohibition
      (A)Reporting information with actual knowledge of errors
      A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

      (B)Reporting information after notice and confirmation of errors
      A person shall not furnish information relating to a consumer to any consumer reporting agency if—
      (i)the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and
      (ii)the information is, in fact, inaccurate.

      Business Response

      Date: 08/21/2023

      August
      21, 2023


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

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

      To
      whom it may concern:

      We are in receipt of your
      correspondence received August 11, 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


    • Initial Complaint

      Date:08/10/2023

      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 noticed I had late payments from **** * ********* on my credit report. During these months I did not receive anything stating I was late. As you can see, majority of my payments have been on time so I am requesting the removal of these late payments from my account. I am trying to increase my score to purchase a home and would greatly appreciate if you guys can submit a request to the credit reporting agencies to remove the late payments.

      Business Response

      Date: 08/18/2023




      August
      18, 2023


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

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

      To
      whom it may concern:

      We are in receipt of your
      correspondence received August 10, 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


    • Initial Complaint

      Date:07/28/2023

      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.
      Dealing with Fortiva credit card the business model is malicious and feel like it’s a unethical business models over charging customers for late fees and gouging prices non of their customers service representative speak English proper and have no understanding of American business models feel as if this company is praying on the weak and have I’ll intent towards a every day person was just charged 170$ for one late payment and the money was supposed to be debited from account but they didn’t draw it now they are charging me a arm and a leg

      Business Response

      Date: 08/11/2023

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

      To whom it may concern: 

      We are in receipt of your correspondence received July 28, 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 

    • Initial Complaint

      Date:07/27/2023

      Type:Service or Repair 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.
      In May 2023 I paid a service charge on a card with a zero $ balance and requested account to be closed. On the subsequent months I received late fees totaling $108 due to late fees on an account I requested to be closed.
      It has been reported to the credit bureau as late for 2 months. I would like to have toe monies credited and the credit bureau record cleared of any late fees.

      (I paid the balance so as not to occur any futures fees and credit bureau issues).

      Thank You,

      Business Response

      Date: 08/21/2023

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

      ***** ****

      August 21, 2023

      Better Business Bureau

       211 N. Broadway, Suite 2060

      St. Louis, MO 63102

      RE: Better Business Bureau Complaint ID # ********: ***** ****-Page  Dispute Resolution Department:  On July 28, 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: 08/21/2023

      Complaint: ********



      I am rejecting this response because: I will await the final decision from Bank of Missouri.







      Sincerely,



      ***** ****-page

      Business Response

      Date: 08/23/2023

      Attached, please find our response to the message received with respect to Complaint ID ********.

      Thank you.

      August 23, 2023 

       Better Business Bureau

        211 N. Broadway, Suite 2060

      St. Louis, MO 63102

      RE: Better Business Bureau

      Complaint ID # ********: ***** ****-Page  Dispute Resolution Department:  On August 23, 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 are rejecting The Bank’s August 21, 2023, response to their complaint.   A response was sent directly to the consumer on August 21, 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: 08/26/2023

      I would like to accept the proposed solution sent by Bank of Missouri. There is one thing that needs to be corrected. They mentioned there was no reporting to the credit bureaus. This is exactly how I became aware of the situation. It appeared as a late payment on my credit report. If they will correct that, I am in total agreement with the resolution proposed.

      Thank You,

      Business Response

      Date: 09/05/2023

      Dispute Resolution Department:
      On August 28, 2023, The Bank of Missouri received a message from your offices, on behalf of the
      consumer identified in ID ******** (the “consumer”), wherein the consumer expressed
      dissatisfaction with The Bank of Missouri’s August 21, 2023 response to their concerns.
      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

    • Initial Complaint

      Date:07/27/2023

      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.
      The account for Total Visa Card ending in **** is listed as charged-off account - paid. Under the ssn ending in ****. I paid the account via a collection agency. That agency removed the collection account from my credit file. The account listed on my file is now nearly 5 years old and has prevented me to get financed for a new home and does not reflect my current financial profile. The mark on my profile even indicates a payment was made to them directly, So not only did I Pay them directly, I paid a collection agency as well...for a total of 375.00 dollars when the balance due on the account was 150.00. The account was closed at their request. I have called numerous times to have this resolved and removed from my credit profile and have told that it was sold a collection agency and it was up to the agency to remove it from my profile. The agency did do that for the listing that was in their name but they say it up to The Bank of Missouri which over sees the Total Visa Card and it was up to them to have it removed. The same bank has granted me credit, with a different card that is active and in good standing. If I was such a bad customer why give me another credit card.

      Business Response

      Date: 08/15/2023

      August 15 2023


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

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

      Dispute Resolution Department:

      On July 27, 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

    • Initial Complaint

      Date:07/27/2023

      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.
      The Bank of Missouri is furnishing inaccurate and incorrect information to the consumer reporting agencies.
      The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.
      You and your inaccurate reporting have damaged my livelihood.

      As Defined by The IRS

      Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

      The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

      By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate.
      15 USC 1681 s-2 Says The Bank of Missouri is a furnisher of information to a consumer reporting agency.
      The Bank of Missouri IS PROHIBITED BY LAW to furnish inaccurate information. I demand The Bank of Missouri to Cease and Desist the reporting of incorrect/ inaccurate information immediately.

      15 U.S. Code § 1681s–2 - Responsibilities of furnishers of information to consumer reporting agencies
      (a)Duty of furnishers of information to provide accurate information

      1. Prohibition

      (A)Reporting information with actual knowledge of errors

      A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
      Duty: a moral or legal obligation; a responsibility
      Accurate: correct in all details; exact.
      Prohibition: a law or regulation forbidding something

      The Bank of Missouri have caused me and my family severe harm due to your negligence and inaccurate reporting. Cure and DELETE This is an Erroneous, inaccurate account The Bank of Missouri needed to Cure and DELETE this from my Consumer report.

      Thank you for your time.

      Business Response

      Date: 08/08/2023

      To
      whom it may concern:

      We are in receipt of your
      correspondence received July 27, 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


    • Initial Complaint

      Date:07/27/2023

      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 BK OF MISSOURI/TOTAL CARD, I do not have a contract with collection agency *** ******* ********** **** They did not provide me with original contract as requested.

      Business Response

      Date: 08/23/2023

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

      Thank you.

      August 23, 2023


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

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

      Dispute Resolution Department:

      On July 27, 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


    Bank of Missouri is NOT a BBB Accredited Business.

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