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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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:03/31/2023

      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 payed ******* on February 18th 2023 to Fortiva retail credit for our couch. The company reversed the payment on the same day back to me. Then on February 23rd 2023 I payed this account off of ********. Now they are trying to charge me $******. They also reported this to the credit bureau which is now affecting my credit score.

      I called them and they did nothing about it or try and work with me about it, besides they said I still needed to pay them the $******.

      They ever gave me the whole account number the last four numbers are *****

      Business Response

      Date: 04/07/2023




      April
      7, 2023


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

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

      To
      whom it may concern:

      We are in receipt of your letter
      received March 31, 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.

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


    • Initial Complaint

      Date:03/28/2023

      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.
      This is a credit card *** ***** ************ ******** - Bank of Misouri as reported on my credit report.
      I have a credit card ***** **** with this company. There was a payment of $303 due on the account to be paid on or before MARCH 18TH. I broke this payment down into 3 payments and paid as follows:
      FEBRUARY 23RD, I PAID $100.00 (cleared my **** ** ******* Account on Feb. 24th)
      FEBRUARY 26TH - I PAID $100.00 (cleared my **** ** ******* Account on Feb. 28th)
      MARCH 3RD - I PAID $103.00 (cleared my **** ** ******* Account on March 6th)
      FOR A TOTAL OF $303.00 PAID IN FULL for the payment due PRIOR TO THE
      MARCH 18TH DUE DATE.
      On March 18th - the Company took out of my **** ** ******* Account an Additional $303.00 payment. I immediately contacted the creditor to let them know of the error and they assured me it would be refunded and taken care of. HOWEVER, this could not be further from the truth. My bank did return the money to me as this unauthorized charge overdrew my account. But the creditor is not reporting my payment as being LATE - noting 3 missed payments. I tried talking to the creditor about this however, they were unwilling and unable to assist me in correcting this inaccurate information. This Unauthorized additional payment of $303 caused my checking account to go negative and NOW the company is also additionally reporting my payment history/account information WRONG - which caused my score to drop significantly which has NOW HINDERED ME FROM BEING APPROVED TO PURCHASE A HOME as I had been working toward to accomplish homeownership by summertime. I have disputed with the Company and also with *******. Customer Service is TERRIBLE and they are unwilling to assist or do anything to help in an error that was COMPLETELY their fault!!

      Business Response

      Date: 04/06/2023

      To
      whom it may concern:
      We are in receipt of your letter
      received March 28, 2023, regarding the individual listed above. We are
      reviewing the consumer’s concerns, and sending a response directly to the
      consumer. Please allow 5-7 business days for the consumer to receive the response
      in the mail.
      Please do not hesitate to contact
      our office if you have additional questions or concerns.
      Thank you.
      Customer Relations – Contract
      Services
      The Bank of Missouri

    • Initial Complaint

      Date:03/27/2023

      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.
      Received an email from them & their affiliates ******* * ********* thanking me for credit card insurance. Found out someone using my name bought credit card insurance. It's a company for people with "no" credit. Well !!
      my credit score is 800 so than I Google who is this person. It comes up ** ***** ***** ******* *** An empty apartment & for rent thru a realtor. The email says do not reply. So now I gotta call the FBI & report bank fraud by big banks. Probably for kickbacks. I don't know yet. And they think I'm stupid & ask me for my full Social security number.
      What a sick world we live in.
      Please warn people stay away from this business. What real bank offers credit to people with NO CREDIT.
      This country is falling apart

      Business Response

      Date: 04/07/2023

      April
      7, 2023


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

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

      To
      whom it may concern:

      We are in receipt of your letter
      received March 28, 2023, regarding the individual listed above. We are
      reviewing the consumer’s concerns, and sending a response directly to the
      consumer. Please allow 5-7 business days for the consumer to receive the response
      in the mail.

      Please do not hesitate to contact
      our office if you have additional questions or concerns.

      Thank you.

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

    • Initial Complaint

      Date:03/25/2023

      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.
      My rights have been violated several times and have been reported to this agency previously and to the third party by mail stating no such double payment shall be issued.
      Credit was sold illegally to a third party (Glass Mountain LLC) that holds no merit with me or property at hand, legal name.
      15 U.S. C 1681 section 602 a. States I have the right to privacy
      15 U.S. C 1681 Section 604 a. Section 2: It also states a consumer reporting agency cannot furnish an account without written instructions
      15 U.S. Code § 1692c - Communication in connection with DEBT COLLECTORS
      (a)Communication with the consumer generally
      (b)Communication with THIRD PARTIES
      Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector...

      (c)CEASING communication
      If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except—

      (1)to advise the consumer that the debt collector’s further efforts are being TERMINATED;
      (2)to notify the consumer that the debt collector or creditor may invoke specified REMEDIES which are ordinarily invoked by such debt collector or creditor; or
      (3)where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
      If such notice from the consumer is made by mail, notification shall be complete upon receipt.
      (d)“Consumer” defined
      For the purpose of this section, the term “consumer” includes the consumer’s spouse, parent (if the consumer is a minor), guardian, EXECUTOR, or ADMINISTRATOR.

      Removal of erroneous filing from my report and halting of harassment via illegitimate party in third person without valid contract or a true bill of commerce. These are acts of fraud and injuries against me.

      Business Response

      Date: 04/03/2023




      ***** ** ****


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

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

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

      We are in receipt of your letter
      received March 25, 2023, regarding the above listed individual. 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:03/24/2023

      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 have had my aspire credit card for almost 2 years I've always paid on time.back in November I believe it was I had some fraudent activity on my account totaling about 400 dollars.i contacted the fraud department they agreed too credit the 400 back. It's a 0 dollar fraud liability card with all the fraud that happens nowadays its a good thing too have.heres the kicker they put everyone one of those fraudulent charges back on my card didn't tell me a thing they just did then charged me a late fee becuz I've refused too make any payments on this card until they make it rite I've contacted them 3 times in total with no resolve there telling me I have too contact the merchant and deal with them directly. How am I supposed too do that when I have no idea the charges were even for when I didn't use my card for any of those charges.there were 3 charges totalling almost 4 dollars from fast food restaurants in las Vegas. One was ***** *** ******* and the other im not sure I have proof if u need it.basically there telling me I'm screwed and there's nothing they can do I've refused too Pay. I had a similar incident happen with my ******* *** **** I had no issues what so ever they took care of it this company is a fraud and someone needs too shut them down for good.i was literally shaking earlier I was so mad ?? the physical and emotional destress I don't need no one does there customer service is awful there rude.i have never filed a complaint against anyone but this creditcard company is awful!!! They will not get a dime out of me unless they make this rite!!! Thank you hopefully you guys can help me I'm a hard worker I have 2 kids and a wife a mortgage I don't need there ignorance!!!

      Business Response

      Date: 04/11/2023

      To
      whom it may concern:
      We are in receipt of your letter
      received March 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.
      Thank you.
      Customer Relations – Contract
      Services
      The Bank of Missouri

    • Initial Complaint

      Date:03/22/2023

      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.
      COLLECTION AGENCY is violating the Customer Name, they removed it from one bureau and did not removed it from rest of the bureaus. Please, I demand this account to be deleted from my credit report.

      Business Response

      Date: 04/06/2023

      To
      whom it may concern:
      We are in receipt of your letter
      received March 22, 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:03/21/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      On November 8, 2022 I had an accident in my truck striking a deer. My insurance policy covers the cost of a rental while my truck will be fixed. I had to wait 10 days for the rental to be authorized by my insurance company. My policy states that I have 30 days of rental and if it goes over they will give me an extension until my vehicle was fixed. My insurance company (*****) was slow to have my truck moved to the body shop to be repaired. On November 18, 2022 I went to ***** in ********, Georgia and picked up a***** Rental. 10 days passed before my truck was towed to body shop. At ***** I was charged a $50 refundable deposit. I swiped my card for that charge only. On January 13, 2023 I was informed by my insurance company that I had to return the rental car, on or before, January 14, 2023. I returned that car to the ******** location. It was a Saturday and they were closed, so I used the after hours drop box. On January 23, 2023 I received my statement for my ***** credit card and on that statement there was an unauthorized charge by ***** in the amount of $784.44. THAT CHARGE WAS NOT AUTHORIZED ME OR ANYINE ASSOCIATED TO ME(wife). When I returned the rental there was a $0 balance on my end . ***** advised me to return the rental and it was returned on the day I was instructed to do so. No one from ***** or ****** told me that I was being charged for 21 days straight. am disputing this charge because ***** rental had no authorization to use my card for any transaction other than the original, returnable, $50 hold that I personally paid for, by swiping my card inside of the ***** rental office. I have called this company on numerous occasions. I really need this dispute, resolved as quickly as possible, being that it has pushed me over my credit limit. Well I purchased a new truck. My credit was pulled and this charge put me over my limit. The apr on my car loan went from 6% to 16.4%. My credit score dropped. I filed a dispute and lost with ******. ?

      Business Response

      Date: 03/30/2023




      March
      30, 2023


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

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

      To
      whom it may concern:

      We are in receipt of your letter
      received March 21, 2023, regarding the individual listed above. We are
      reviewing the consumer’s concerns, and sending a response directly to the
      consumer. Please allow 5-7 business days for the consumer to receive the response
      in the mail.

      Please do not hesitate to contact
      our office if you have additional questions or concerns.

      Thank you.

      ******** ********* * ******** ********
      The Bank of Missouri


    • Initial Complaint

      Date:03/17/2023

      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.
      I have a credit card account from the Bank Of Missouri via *******. I had a payment due on February 23rd, and I was late making that payment. I take full accountability for that. Soon after discovering I was late, I arranged a post dated payment for March 17th. I arranged this about 3 weeks before the payment. After making these payment arrangements, I received a collection call from *******. The person attempted to collect, and I told them about the payment arrangement. They seemed satisfied with that answer. I assumed the phone calls would stop. They didn't. I have received numerous collection calls from ******* after that. The latest attempt was today (Friday March 17th). This is bad customer service at best and harassment at worst. I understand I was behind on my payments, but I think I cleared things up with that first phone call. I didn't deserve the constant barrage of phone calls.

      Business Response

      Date: 03/27/2023

      March
      27, 2023


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

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

      To
      whom it may concern:

      We are in receipt of your letter
      received March 17, 2023, regarding the above listed individual. 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: 03/30/2023

      Better Business Bureau:

      I recently signed into my ******* account. I saw that my payment was applied. A 40 dollar late fee was also waived. I appreciate that sentiment, and I wish to withdraw my complaint. 



      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:03/15/2023

      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 March 7, I called Bank of Missouri dba ***** **** to request a reversal of a late fee. I got the fee after paying my bill a day (less than 24 hours) late. However, I was told that because my payment was not more than 5 days late, then they would not be able to help me. I asked, "so... if I had held my money longer, you would have waived the fee?" to which the representative rudely answered yes.
      The only thing the company was quick to help me do was close my account. When I attempted to pay my final balance on 3/15 via the website, I received an error message initially. When I called to pay online, I informed the representative that I received an error when trying to pay online. The representative still tried to charge me an additional $10 fee for paying over the phone. The amount of Nickle-and-diming due to junk fees by ***** **** is outrageous and the reason I stopped doing business. They were very rude and unwilling to work with me as a customer... but they had no problems taking my money.

      Business Response

      Date: 03/27/2023




      March
      27, 2023


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

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

      To
      whom it may concern:

      We are in receipt of your letter
      received March 16, 2023, regarding the above listed individual. 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:03/12/2023

      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’m disputing this account with Bank of Missouri with Credit. This account has been paid through a third party collection agency you guys used and it’s still on my credit! In accordance with the Fair Credit Reporting Act per 15 U.S.C **** section 602 A. States I have a right to privacy. 15 U.S.C **** section 604 A section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions. Of which **** ** ******** have failed to produce any such written instructions after repeated requests to do SO. 15 *********** Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I am requesting these two accounts to be removed off all 3 credit bureaus and requesting no phone calls made to any of my numbers.

      Business Response

      Date: 03/22/2023




      March
      22, 2023


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

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

      To
      whom it may concern:

      We are in receipt of your letter
      received March 13, 2023, regarding 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.

      ***** ****

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


    Bank of Missouri is NOT a BBB Accredited Business.

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