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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

    • 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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:07/09/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Bank of Missouri issued credit to someone in my name who used about $442.00. They of course didn't pay it. Bank of Missouri write it off & sold it to debt collector LVNV Funding / ********* ******* ********* *************** * * *** ****** *********** ** *********** I have tried to dispute this. They sent a bill showing an erroneous address that has never been mine. I have four credit cards I already pay and worked hard to build my credit. I do not want this identity theft to destroy my credit so I've disputed it with the credit agencies. I have also sent it to Identity Theft.gov. The address that was on the bill, **** ******* **** ******** ** ***** is not mine, has never been mine, or anyone I know. In addition, when I looked it up on Google Earth, it appears to be a bogus address to a field! Maybe my dispute is more with the debt collector now, Resurgent Capital Services, as they have the current account. Ref # is *********. Please help!

      Business Response

      Date: 07/31/2023

      Dispute Resolution Department:
      On July 10, 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.

    • Initial Complaint

      Date:07/09/2023

      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.
      My car was broken into and phone and wallet were stolen.Someone used my identity to apply for credit with TBOM and I have 2 hard inquiries on my TransUnion report due to this. I never agreed or personally signed any agreements or authorizations allowing my credit report to be pulled. This violated the Fair Credit Reporting Act and my right to privacy. A form for identity theft was filed with the Federal Trade Commission and is enclosed along with a copy of the inquiries from TransUnion. My dob is ********** and my last four of my social security number is ****.

      Business Response

      Date: 07/26/2023




      July
      26, 2023


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

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

      To
      whom it may concern:

      We are in receipt of your
      correspondence received July 9, 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:07/08/2023

      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 the debt with Bank of Missouri-T, I do not have a contract with Bank of Missouri-T. they dd not provide me with the original contract as I requested.

      Business Response

      Date: 07/24/2023

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

       

        July 24, 2023

       RE: Better Business Bureau Complaint ID # ********: ******* ******* Dispute Resolution Department:  On July 8, 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:07/07/2023

      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 opened a First Phase Visa over a year ago and recently we were told all credit cards with first phase were getting closed as of June 1st and the program fee and annual fee were getting refunded back on how we paid! I have many emails sent by them stating that and and on 6/13 they charged my credit card $89 which is the program fee that i paid out of pocket! That should of never happened and now my credit card is over the limit cause of that! Ive called over and over again trying to get this fixed and nothing is getting done! this is not fair thats money I paid out of pocket and instead of sending me a check they charged my card! Am tired of talking to supervisors and nothing gets done!

      Account Summary
      Your Card
      Your Card
      First Phase Visa (...****)

      Account Information as of 07/07/2023
      Statement Balance$321.15
      Current Balance$321.15
      Credit Limit$300.00
      Available Credit$0.00
      Amount Due$80.00
      Payment Due DateJul 23, 2023
      Last Payment Amount$49.00
      Last Payment DateMay 23, 2023
      Transactions

      CREDIT BALANCE REFUND SIOUX FALLS SD$89.0006/13/2023
      ANNUAL FEE SIOUX FALLS SD$-75.00




      Re: First Phase account ********* Dear ****** *******,

      You are being contacted regarding the First Phase credit card referenced above. Unfortunately, we have made the difficult decision to discontinue the First Phase credit card issued by The Bank of Missouri. Effective June 1, 2023, all First Phase accounts will be closed. Therefore, any transactions attempted after May 31, 2023, will be declined.

      Some important details regarding your account closure: A full refund of your Program Fee and Annual Fee will be initiated after June 2023. The Annual Fee will be credited to your account and your Program Fee will be returned via the means it was paid.

      Purchases, Cash Advances, and Returns:
      You will no longer be able to make Purchases or Cash Advances using your First Phase credit card account as of June 1, 2023. Returns will be allowed based on the merchant’s return policy.
      Transactions initiated prior to June 1, 2023, will not be impacted by the termination of service.
      Purchases made after May 31, 2023, using mobile wallets, such as Apple Pay®, Google Pay®, and Android Pay®, will also be declined.
      If you use your First Phase credit card to make recurring purchases, such as subscription services, you will need to update and/or remove it prior to June 1, 2023, to ensure your purchase(s) continues without interruption.

      Account Access:
      You will continue to have access to and be able to manage your account online at *********** after the termination date.
      You can continue to reach our Customer Service team at the phone number and address listed below.

      Payments to your First Phase Account:
      Payments scheduled with Auto Pay and one-time payments to your First Phase account will continue to process as normal.
      You will have the ability to make payments through the current channels, including phone, website, and mail.
      Outstanding balances should be paid in accordance with the terms and conditions of your Cardholder Agreement.

      Credit Bureau Reporting:
      We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

      If you have questions, please visit *************** or call Customer Service ###-###-####. Customer Service hours are Monday – Saturday, 7 am – 10 pm CT (we are closed on Sunday).

      Sincerely,

      First Phase Card Services


      Re: First Phase account***-***-****
      Dear ****** *******,

      You are being contacted regarding the First Phase credit card referenced above. As previously shared, we made the difficult decision to discontinue the First Phase credit card issued by The Bank of Missouri. Effective June 1, 2023, all First Phase accounts will be closed. Therefore, any transactions attempted after May 31, 2023, will be declined.

      Some important details regarding your account closure: A full refund of your Program Fee and Annual Fee have been initiated. The Annual Fee has been credited to your account and your Program Fee will be returned via the means it was paid.

      Purchases, Cash Advances, and Returns:
      You will no longer be able to make Purchases or Cash Advances using your First Phase credit card account as of June 1, 2023. Returns will be allowed based on the merchant’s return policy.
      Transactions initiated prior to June 1, 2023, will not be impacted by the termination of service.
      Purchases made after May 31, 2023, using mobile wallets, such as Apple Pay®, Google Pay®, and Android Pay®, will also be declined.
      If you use your First Phase credit card to make recurring purchases, such as subscription services, you will need to update and/or remove it prior to June 1, 2023, to ensure your purchase(s) continues without interruption.

      Account Access:
      You will continue to have access to and be able to manage your account online at *********** after the termination date.
      You can continue to reach our Customer Service team at the phone number and address listed below.
      Payments to your First Phase Account:
      Payments scheduled with Auto Pay and one-time payments to your First Phase account will continue to process as normal.
      You will continue to have the ability to make payments through the current channels, including phone, website, and mail.
      Outstanding balances should be paid in accordance with the terms and conditions of your Cardholder Agreement.

      Credit Bureau Reporting:
      We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

      If you have questions, please visit *************** or call Customer Service ###-###-####. Customer Service hours are Monday – Saturday, 7 am – 10 pm CT (we are closed on Sunday).


      Sincerely,

      First Phase Card Services

      They went and charged my card $89 now am over my credit limit and thats money that should of not been charged to my card

      Business Response

      Date: 07/24/2023

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

      To whom it may concern:

      We are in receipt of your correspondence received June 07, 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:07/06/2023

      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.

      I am not liable for this debt with the bank of missouri - t, I do not have a contract with The Bank of Missouri - T, they did not provide me with the original contract as i requested

      The Bank of Missouri - T
      PO Box 85710
      *********** **, 57118
      ************

      Business Response

      Date: 08/07/2023

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

      Thank you.

      August 7, 2023


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

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

      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 consumers 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 *****************
      ********************


      Customer Answer

      Date: 08/07/2023

      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:07/05/2023

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I'm not liable for this debt with The Bank of Missouri, 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: 07/20/2023

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

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

      Dispute Resolution Department:

      On July 6, 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:07/05/2023

      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.
      Bank of Missouri has been on my credit report for several years. I had to have no knowledge of any bank of Missouri not do I old bank of Missouri yet my credit report shows that it has a fraud alert and identity theft where someone stole my credit two years ago, 2 to 3 years ago and all of a sudden bank of Missouri has been done in May for the last Seven years and they have placed the collection on my credit which now belongs to NCI and they keep renewing this every year I want this removed from my credit report because this is nothing but from what I do not on bank of Missouri, Lexington, Law Firm went in, and I paid them to take care of my credit and wipe out my debt that was note that mine and Break of Missouri was removed from my credit report now it is back on my credit report and they’re axing me for $519 which I have no knowledge of and I do not own bank of Missouri bank of Missouri does nothing but go around getting fraudulent debt and they sells it to **** and **** goes around and place it on your credit report. This has been a negative on my credit report for the law is seven years I want this removed from my credit report and I want apology from bank of Missouri as soon as this is removed, it is no reason why a collection agency in CI go in and they buy all of his debt from bank of Missouri and they go in and puts it on your credit report and there’s no one that you can even talk to are they keep saying this is bank of Missouri bank of Missouri I have never heard of any freaking bank of Missouri not have I ever owned a credit card with the bank of Missouri and I want this removed from my credit as soon as this review is out anyone that deals with bank of Missouri please be aware because NCI is a collection agency and all they do is stick something on your credit report and it doesn’t go away. It never goes away and they go in and they renew it as a renew it it should be against the law for someone to go in and keep renewing something that’s on your credit report that has been past seven years and I have been fighting this for the last 67 years bank of Missouri.

      Business Response

      Date: 07/20/2023


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

      Dispute Resolution Department:

      On July 5, 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:07/04/2023

      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 didn’t know there is a yearly charge my understanding is there was only a charge when you first get the card. Can you please reverse the charge as a courtesy? I have Verve
      Next year I will know.

      Business Response

      Date: 07/19/2023

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

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

      To whom it may concern:

      We are in receipt of your correspondence received July 4, 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:07/02/2023

      Type:Billing Issues
      Status:
      Unresolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      On 6/08/2023 I used the online customer support with Fortiva credit card to report my card lost/stolen. The agent gave me a number to call and I had to leave a message! The voicemail stated someone would contact me in 48 hours. I never received a call so I called again on 6/12/23 and I was able to speak with the fraud dept for all my disputes. The Rep said a new card would be sent and in 10 days I will receive a credit of my disputed charges. I received the credit. When I checked my account on 6/29/23 to make my payment, I seen that there is a balance of $959. When I called the fraud dept. The Rep named ******* informed me that I was issued a credit twice. No one from this company called and told me what happened.The Rep also informed me that I had to complete a form for my fraud claim. I never received anything from Fortiva Credit card company but my replacement card. I want my account settled and my balance to be corrected. It's not my fault that I was given a double credit. This company never said anything so how was I suppose to know. This is outrageous and I want my account fixed ASAP. It's on my credit report that I'm over limit because of this. They also included a dispute that I clearly told the Rep that I made the charge. ****'s/Afterpay for $92.00 now Afterpay locked my account because Fortiva reported it as fraud. The Rep stated that they can't do anything because the account is closed!! I need answers.

      Business Response

      Date: 07/17/2023

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

      To whom it may concern:

      We are in receipt of your correspondence received July 2, 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: 07/17/2023

      Complaint: ********



      I am rejecting this response because:



      I need to get clear confirmation of what is going on I've contacted this company four times I've left messages! No one is calling me back. When I spoke with the fraud department today they claim because my account has been resolved & they decided to closed they are unable to assist me. They also claim that the fraud department that I need to speak with has a high call volume, The only way to contact is by leaving messages!!! This is insane I'm getting really upset this is clearly not right. This company double credited me and expects me to make the payment they did not notify me of what they did plus they included a company in my fraud claim when I clearly stated to them that they were my charges. I just want someone to contact me because it seems like everyone that I speak with knows NOTHING or can't do anything!! ###-###-####




      Sincerely,



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

    • Initial Complaint

      Date:06/27/2023

      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.
      Hi,

      I have reach out numerous times and have not received a response this account was opened fraudulently . However you company failed to respond and I am now left with the debt. Dear Sir/Madam,

      I am writing to request a copy of the 1099c form that I never received for the charged off account ****************. The form is required for me to file my taxes accurately.

      Business Response

      Date: 07/07/2023

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

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

      Dispute Resolution Department:

      On June 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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