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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

    • 451 total complaints in the last 3 years.
    • 119 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:05/19/2023

      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 been a victim of identity theft this is not my account, which is reporting on my credit.

    • Initial Complaint

      Date:05/17/2023

      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 report my credit card through The First Phase Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.

      This email was sent to you by ***** ***** ***** ** *** ****** ***** ****** ** **********,



      And they were supposed to adjust my balance before they closed June 1. I have been charged Interest fees that I can’t even see due to the account saying the credit company is closed and will no longer be available after June 1. I keep calling and they say I’m past due. I am not making a payment on a card I never used because I was never sent one. The fact the company is no longer listed is outrageous and I will continue to fight until the balance is removed and I am no longer charged interest.

    • Initial Complaint

      Date:05/13/2023

      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.
      Please remove me from your list I’m not interested in apply for a credit card I received a forgive credit card $700 limit offer

      I’m not interested

    • Initial Complaint

      Date:05/12/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I was running late on my credit card payment for January and February 2023. I was contacted by the collections department from Aspire to which the rep told me they would waive the late fee and the late payment will be removed from my credit report once I make a payment of $306 to come current with my account. To which I made the payment.

      The late payment was removed from my credit report for February 2023 a few weeks after. Fast forward to end of April 2023 the Late payment has been reported again for February 2023.
      When I contacted Aspire the rep and supervisor now tells me there’s nothing they can do although the rep told me the account would be marked as current for February 2023.

      I am confused as to why February 2023 went from Late to Current to Late again. This is complete dishonesty of Aspire and I would like to get this off of my credit report and get this resolve soon.

      I spoke to **** operator ID: ***
      supervisor.

      Business Response

      Date: 05/25/2023

      To whom it may concern:
      We are in receipt of your letter received May 12, 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.

      Business Response

      Date: 05/25/2023


      To whom it may concern:
      We are in receipt of your letter received May 12, 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:05/11/2023

      Type:Billing 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.
      Currently Bank of Missouri is incorrectly reporting a Fortiva mastercard on my credit report. The account has been resolved in full and is no longer with a balance or in collections. Please update my credit report immediately or I will seek legal action against Bank of Missouri. I have supplied evidence the account is settled.

      Business Response

      Date: 05/25/2023

      Hello,

      Please see the attached response.

      Thanks,

      Customer Answer

      Date: 05/26/2023

      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:05/03/2023

      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.
      Yes I got a credit card from these people and closed it out back in June or July and they been promising me a refund and I have done called 3 times to get my money and they refuse to issue me a refund said it needs to be reviewed well its over 6 months I told him this morning and yet I got no where I'm on disability and need my money

    • Initial Complaint

      Date:05/03/2023

      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.
      In Nov 2018 I received a TBOM Genesis credit card through *** *******. I purchased a set of earrings for my wife. In May of 2019 I had realized my April monthly bill from TBOM hadn’t came. I reached out to them and immediately signed up for automatic withdrawal. They assured me it wouldn’t affect me since I hadn’t received the paper bill. In October 2022 I had decided to clean up my credit not ever knowing anything about credit or how it works. I reached out to TBOM and asked them to remove the 30 day delinquency they’ve put on my credit report after explaining I was told it would hold no effect to begin with. They told me the circumstance did not matter and they can not lie about a persons’ payment history. I filed disputes with every credit bureau. That only negatively impacted my credit. I reached out once again and once again was given the same excuse.
      I’m not perfect in any way shape or form but my word is gold. I expect that from the people I do business with, not a cop out excuse for something that wasn’t my fault and maybe wasn’t theirs either, USPS isn’t what it used to be. However, I’ve been very patient and polite over the last 6-9 months and as you can see they will not budge.
      Also looking at the uploaded pictures they reported to Equifax I had a 30 day late payment in may but then they’ve reported to TransUnion it was a 30 day late payment in April.
      I’m not sure where else to turn and would appreciate anything you’re willing to do or direction you could point me in. TBOM doesn’t seem to care whether I was wronged or not and certainly doesn’t care what the circumstances were. Thank you for your time to whom it may concern. Have a blessed day.

      Business Response

      Date: 05/10/2023




      May
      10, 2023


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

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

      To
      whom it may concern:

      We are in receipt of your letter
      received May 3, 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:05/02/2023

      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.
      In the month of March, I contacted customer service for Aspire Credit Card (The Bank of Missouri) as I had paid my credit card bill late and was requesting that the late fee was removed as this was the 1st time the payment was made late. The representative advised that the late fee would be removed and that the late fee amount would also be removed from the amount due for the next bill.
      In April, I contacted customer service for Aspire Credit Card once again due to the fact that upon attempting to schedule a payment due, I noticed that the late fee wasn't removed from the total amount due as the representative advised that it would be (the payment due was $99 and some cents). Upon speaking with the representative, I told her exactly what the other representative stated in March and asked her to clarify the payment due. The representative confirmed that I just needed to make a payment for $69.91 for the month of April, so I made that payment with the representative via that phone call.
      In late April, I got an email from Aspire bank indicating that I didn't make the minimum payment due and that I was being charged a late fee of $40 due to this. Once again, I contacted customer service and explained what the representative said in March and April regarding the amount due, however, I was advised by this new representative, that the information that I was given by their employees was incorrect. I then asked to speak with a supervisor and explained that I had called in March and April regarding my account and made the payment I was advised to make by an Aspire representative and asked why I was being penalized for the inaccurate information provided by Aspire employees, being asked to make a payment for $150 and being accessed late fees. The supervisor responded that unfortunately there is nothing she can do. I stated, "so I am being penalized for bad information provided by your company's representatives and her response was "basically".

    • Initial Complaint

      Date:05/02/2023

      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 participated in a payment program and have been making payments on my credit account to bring my account current only to notified when I called that my account was already closed. I was never notified in writing prior to making payments.

      Business Response

      Date: 05/16/2023

      Hello,

      Please see the attached response.

      Thank you,

      We are in receipt of your letter received May 02, 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 Answer

      Date: 05/25/2023

      Complaint: ********



      I am rejecting this response because:



      I spoke to a customer service agent to confirm and they provided me with the misinformation that my account was still active and to participate with the program to be able to use the card again. I can only assume the goal was just to get payments out of me.



      Sincerely,



      * * *******

    • Initial Complaint

      Date:04/29/2023

      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 started facing financial issues several months ago.
      I asked this company who owns 5 of my credit cards (Kay, Milestone, *******, ******* and ******) to help me with payment plans for 4 of the cards (*******, *******, ********* and ******) and they were willing to only help with the two. ********* was sold off today to an unknown collections agency, I haven’t heard a single thing of who it was sold to and ******* is also at risk.
      I don’t understand why I was offered assistance with 2 of the 4 cards and not all 4. They demanded way more than I could afford with the ********* card nor gave me enough time to even figure out how to get the money together.
      The lack of customer service and communication and responses is really concerning.
      I have also said time and time again that I am hard of hearing and the phone option doesn’t work for me and I felt like that was ignored.
      I find the collection practices from TBOM to be abusive and concerning. I am also concerned that they just really refused to work with me and instead of getting payments from me they now have sold off one of my accounts to an unknown collections agency.

      Business Response

      Date: 05/10/2023


      May
      10, 2023


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

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

      To
      whom it may concern:

      We are in receipt of your letter
      received April 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


    Bank of Missouri is NOT a BBB Accredited Business.

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