We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Resources for Businesses My BBB
Share
Business Profile

Bank

Bank of Missouri

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Bank.

Complaints

This profile includes complaints for Bank of Missouri's headquarters and its corporate-owned locations. To view all corporate locations, see

Find a Location

Bank of Missouri has 28 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

    Please enter a valid location.

    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:06/08/2023

      Type:Sales and Advertising 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.
      Aspire Card, issued by bank of missouri, is reporting a balance in amount of $665 in credit file . This account was paid off in February of 2020 , not sent to collection agency as Aspire reps try to imply, they are unable to locate any account under my name and social, thus, try to imply account sent to third party collection agency. I called Aspire several times , spoke with several reps including a manager , unable to locate any account or resolve issue . Two calls were made to be bank of Missouri directly , reps submitted a complaint to Fortiva, the company whom manages their accounts I believe , nothing heard back to date

      Business Response

      Date: 06/22/2023

      June 22, 2023


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

      RE: Better Business Bureau Case # ********: ****** ******

      To whom it may concern:

      We are in receipt of your letter received June 8, 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: 06/23/2023

      Complaint: ********



      I am rejecting this response because:



      I made attempts to resolve issue with bank of Missouri directly , received a run around , was referred to Fortiva whom supposedly manages the account , was told they have no record of it. I have not received reply from bank of Missouri to this complaint 





      Sincerely,



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

    • Initial Complaint

      Date:06/07/2023

      Type:Customer Service 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 a victim of identity theft, and someone has stolen my personal identifying information to obtain credit that I did not authorize and this company is still reporting that fraudulent account to my consumer report

      Business Response

      Date: 06/21/2023

      RE: Better Business Bureau Case # 20157710: ********* ******

      To whom it may concern:

      We are in receipt of your letter received June 7, 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:06/05/2023

      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.
      June5,2023 account maintenance fee charged on a credit card account $7.25/mo for amount over $25 was not aware of such charge when got card. The bank needs to be more transparent with said charge when consumer calls support get told it's in the agreement when in fact it isn't plus annual fee. The bank needs to be investigated by state and federal government for misleading advertising.

      Business Response

      Date: 06/16/2023

      June 16, 2023


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

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

      Dispute Resolution Department:

      On June 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:06/04/2023

      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.
      As of 06/04/2023, I have asked The Bank Of Missouri to setup payment plans on my Fortiva and Milestone cards, only to be told they don’t offer payment plans it is out of their scope ( website chat with Katie)

      Business Response

      Date: 06/21/2023

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

      Thank you.

        June 21, 2023   Better Business Bureau  *** ** ********* ***** **** *** ****** ** *****  RE: Better Business Bureau Complaint ID # ********: ****** ****** Dispute Resolution Department:  On June 4, 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:06/01/2023

      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 closed my account with Aspire for many reasons (bad customer service, Interest rates ETC).
      I was auto pay and saw many late fees. On 2/1 I was in a heated argument with a supervisor that stated we don't need customers like you we are closing your account.

      I cut up the card and then sat back and saw Aspire take the min required. This morning they took another 80.00 from my account. I was confused I had 278.00 left and 80 * 4 is 220.00 so it should have been 78.00 left.

      I then logged in since 2/1 to see why my balance was still up to 179.00 well there is annual fees and late fees.

      I talked to will this morning and it shows that i did not talk to someone on 2/1 so who threated me to close the account.

      Then i said i am auto pay he said he sees that but there is no account number but then you will see the statements that say auto pay is set up and then you see late fees. Will back peddle his answers. So why isn't there no account number on file??

      Then the annual fee. Why am i being charged a annual fee when the account is closed he said because there is a balance on the account?? of course there is a balance but it was lower each month. But i should not be punished with a annual fee when we don't have the account open.

      So all said and done my balance should be 68.00 and now its still 178.00 but all all with the late fees and annual fees?

      Thank you for your time
      Looking forward to talking with someone about this situation!

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

      Business Response

      Date: 06/16/2023

      Dispute Resolution Department:

      On June 1, 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: 06/26/2023

      I was looking at my statement online and I would like to know do I owe them $195.00 or do I owe them $124.00. Contacted the business and they informed me that I needed to reach out to BBB.

      Business Response

      Date: 06/29/2023

      Dispute Resolution Department:
      On June 1, 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

      Attached please find our response to the customer's message, as identified in Complaint ID ********.

       

      Thank you.

    • Initial Complaint

      Date:05/30/2023

      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.
      On 04/19/2023 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 goes from 30 days late then straight to charge-off status. Equifax and Experian are reporting a 30-day late payment on October 2021 then a charge-off on November 2021 in the payment history. How is it that you can go from 30 days late straight to charge off the next month? It is to my knowledge that it takes anywhere from 120-180 days to become a charge-off. This shows that there is no true date of commencement on this account and could be used against you in federal court

      The account has been re-aged by Experian. Experian is reporting the date of last activity as 05/01/2023 while Equifax is reporting 04/01/2019. This is a clear 4-year difference. This is a violation of reporting need I remind you this falsely manipulates the statues of limitation on when this account is supposed to fall off

      This account has not been reported every month. Equifax has not reported this account since 12/01/2019 which is about 4 years now. 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. I also sent them a letter exercising Cal. Civ Code 1785.30 where 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 or else I'm going to pursue litigation.

      Business Response

      Date: 06/16/2023

      Dispute Resolution Department:

      On May 31, 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:05/29/2023

      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 applied for a Fortiva credit card in 2020 with ******. My approved card was a 4k limit and 0% interest for the duration of me having that credit card in my name. Meaning all future ****** purchases would be at 0% interest. In 2020, I purchased a ****** system on a 5 year term at 0% interest.

      In April 2023, they closed my account with no consent and opened another one, WITHOUT EXPLICIT CONSENT, for only 1500 and up to 36% interest. I was still paying on my term, so they just moved the balance to the new card. I owed $800; out of 4k, that is a great credit limit usage. Out of 1500, it is horrible. Because of the new account and the increase in usage to limit ratio, my credit age dropped and the overall balance to credit limit raised considerably leading to a significant drop in my credit score. To which I NEVER CONSENTED TO. I'm in the process of finding a lawyer for this as well.

      Business Response

      Date: 06/12/2023

      RE: Better Business Bureau Case # ********: ******** ********

      To whom it may concern:

      We are in receipt of your letter received May 29, 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:05/24/2023

      Type:Customer Service 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.
      Company is offering credit cards and will not stop. Called ************** opt-out of prescreening phone number, and it will not accept the opt out info I enter. Stop contacting me with unsolicited offers!

      Business Response

      Date: 06/09/2023




      June
      9, 2023


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

      RE:
      Better Business Bureau Case # ******** – ***** *****

      To
      whom it may concern:

      We are in receipt of your letter
      received May 24, 2023, regarding the individual listed above. The customer did
      not specify which credit card offers they received, and did not provide us with
      an address in which to research or respond. However, we have confirmed that all
      of our servicers have now added the consumer’s name, email address, and phone
      number to their “Do Not Solicit” lists. Please be aware that the consumer may
      receive another mailing due to marketing campaigns that have already been
      processed.

      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:05/24/2023

      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.
      On March 23, 2023, an email was sent to let you know you can earn a $75.00 statement credit by paying $267.94 by April 19, 2023. On April 7, 2023, I made a payment in the amount of $150.00 after speaking to a representive who removed late fees that were accrued in error, per rep since the late fees were removed if i paid $148 i would recieve $75 statment credit i paid $`150 and was never granted this amount and my balance never increased for available credit either this company is scamming people i want account closed and satisfied debt i no longer wish to do business with them

      Business Response

      Date: 06/07/2023

      To whom it may concern:

      We are in receipt of your letter received May 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.

    • Initial Complaint

      Date:05/21/2023

      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 submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered an unauthorized item. Despite sending them letters over 30 days ago, they have not responded and failed to provide adequate validation. I kindly request your assistance in resolving this matter, as I am considering legal action.

      Business Response

      Date: 06/03/2023

      Attached please find The Bank's response to complaint ID ********.

      Business Response

      Date: 10/13/2023

      Good afternoon,

       

      Please disregard the response that was sent to you yesterday, 10/12/23, as it pertained to another case you have opened for this customer. Attached is the correct response.

       

      Please let me know if you have any questions.

      ******* ****

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

      Business Response

      Date: 10/18/2023

      The customer's rebuttal is identical to the last rebuttal sent for this case, as well as for the additional case for this customer - #********. We have responded to the customer directly, confirming that our tradeline is no longer reporting on this customer's credit report. 

       

      Please let us know if you have any questions.

      ******* ****

      Customer Advocacy and Complaint Specialist

    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.

    Why choose a BBB Accredited Business?

    BBB Business Profiles may not be reproduced for sales or promotional purposes.

    BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

    When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

    BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

    As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.