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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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Bank of Missouri has 28 locations, listed below.

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    Customer Complaints Summary

    • 452 total complaints in the last 3 years.
    • 120 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

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

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:07/26/2023

      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 am not liable for this debt with Bank of Missouri. I don’t have a contracts with Bank of Missouri/TOTAL CARD. They did not provide me with the original contracts as I requested.

      Business Response

      Date: 08/14/2023

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

      Thank you.

      August 14, 2023


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

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

      Dispute Resolution Department:

      On July 14, 2023, The Bank of Missouri received a complaint from your offices, on behalf of the
      consumer identified in ID 20381276 (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:07/26/2023

      Type:Product 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.
      Twice I sent proof that ******** was canceled . Yet they won’t refund $110.05!

      Business Response

      Date: 08/14/2023

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

      Thank you.

      August 14, 2023


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

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

      Dispute Resolution Department:

      On July 26, 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:07/25/2023

      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.
      Was approved for credit card and paid $89 for the processing fee. Never received the card and company keeps giving different stories about the card or refunding my $89. Id like my $89 back..

      Business Response

      Date: 08/08/2023

      Hello,

      Please see the attached response.

      Thank you,

      August 8, 2023   Better Business Bureau  **************************************************************************; RE: Better Business Bureau Complaint ID: ********- *****************************; To whom it may concern:  We are in receipt of your correspondence received July 25, 2023, regarding the individual listed above. 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: 08/08/2023

      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:07/19/2023

      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 cancelled this card when I received a statement and learned there was an annual fee.
      I called in and paid off the balance.

      My credit dropped and now I learn I have late fees, on late fees on late fees.

      I got this card because ****** ***** recommended as a no fee card. What a disaster.
      They hit me with hidden annual fees and credit protection fees.
      If this bank is so insecure customers have to buy credit protection they should be shut down.

      Business Response

      Date: 07/27/2023




      July
      27, 2023


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

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

      To
      whom it may concern:

      We are in receipt of your
      correspondence received July 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:07/19/2023

      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.
      This bank and whoever they are to fortiva needs to be shut down. I cannot believe how stupid I was to accept their offer before looking at reviews; clearly they are predatory and feed off of people who are down on their luck. My financial situation is beyond anxiety inducing- for anyone else who has lost a job then you know what I mean. It's scary and humiliating and questions your self worth. Now I have this heartless ghetto company coming at me with zero financial hardship options? Is this a joke? If you're thinking about using them, don't. If you're having financial problems, then DEFINITELY DONT. To have no moral standing and ethics as a business is appalling, and I genuinely don't want anyone else to go through this.

      Business Response

      Date: 07/28/2023



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

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

      To whom it may concern:

      We are in receipt of your correspondence received July 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:07/17/2023

      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.
      Hello,
      I have a credit card account with a partner company of the bank of missouri named Total Visa Card. I make the monthly payments on time and recently made a payment after the next month's statement came out. There was still a payment due for the month even though the payment was made. I contacted Total Visa and they told me that they couldn't do anything about it. Its puzzling to me how they can treat a timely monthly paying customer as if they aren't paying the bill weeks ahead of time. Someone please help with this. Thanks.

      Business Response

      Date: 08/04/2023

      August 4, 2023



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

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

      Dispute Resolution Department:

      On July 17, 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:07/14/2023

      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 demand to see verifiable proof (i.e.: an original consumer contract with my signature on it) that you have on file for the account listed below.

      TBOM / VT Account number: **************** **** * ** ******* ****** **************** **** * ** ******* ****** **************** TBOM / CONT Account number **************** Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed above.

      Business Response

      Date: 08/02/2023

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

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

      Dispute Resolution Department:

      On July 14, 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:07/13/2023

      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 have tried contacting this company several times due to someone putting two credit cards in my name without my permission. They have ignored my concerns and complaints. I now have two derogatory marks on my credit for something that didn’t belong to me. I have asked several times for these items to be removed

      Business Response

      Date: 07/26/2023

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

      Dispute Resolution Department:

      On July 13, 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: 07/26/2023

      Complaint: ********

      I am rejecting this response because:

      I am in need of a response to resolve this issue. As stated this account does not belong to me. I’ve contacted this company several times to get this removed form my credit.





      Sincerely,



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

      Business Response

      Date: 07/27/2023

      Attached, please find our response to the rejection; concerning complaint ID ********.

      Thank you.

       July 27, 2023 

       Better Business Bureau

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

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

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

      ******* *******  Dispute Resolution Department: 

      On July 26, 2023, The Bank of Missouri received a message from your offices, on behalf of the consumer identified in ID ******** (the “consumer”).   As previously stated, a response will be sent directly to the consumer and they should allow 5-7 business days to receive the response in the mail, directly from The Bank of Missouri.   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: 07/28/2023

      Complaint: ********



      I am rejecting this response because I have not received the letter. Once the letter is received we then can move from there 







      Sincerely,



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

    • Initial Complaint

      Date:07/13/2023

      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 received a notice that I have a collection from BANKOFMO on my credit report. It says it was opened on 5/1/2019 for $0 with account number starting in **************** that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the FCRA and FDCPA.

      I would like for this collection to be removed asap or I will file a CFPB and FTC report.

      Business Response

      Date: 07/31/2023

      Dispute Resolution Department:
      On July 14, 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

    • Initial Complaint

      Date:07/12/2023

      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 disputed the completeness and Accuracy of this charge off on my consumer report and it has come back verified. I do not believe that THE BANK OF MISSOURI properly investigated this account because there are obvious inaccuracies. This account was paid off. Equifax and Experian are reporting a 30-day late payment in July and August then a charge-off in November 2022 but payment had been setup with customer service, where this was a company error and they now have negatively impacted my credit report. I am disputing the accuracy of the payment. The data furnisher is required to report this account every month or else it jeopardizes the integrity of the reporting and also shows that it is misleading and injurious to me THE BANK OF MISSOURI has also Violated Cal. Civ. Code 1785.25. They are knowingly furnishing inaccurate information which is a $5,000 violation per credit reporting agency they are reporting to. They are required to correct any inaccurate information from my consumer reports and they have failed to acknowledge my request. I am Demanding Deletion from my consumer report.

      Business Response

      Date: 07/26/2023

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

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

      Dispute Resolution Department:

      On July 12, 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.

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

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