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Bank of MissouriThis 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
Customer Complaints Summary
- 454 total complaints in the last 3 years.
- 121 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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.
Initial Complaint
Date:11/08/2022
Type:Billing IssuesStatus:ResolvedMore info
Complaint statuses
- 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’ve disputed this account several times and each time the information comes back as verified and updated. My most recent dispute was through the CFPB site in SEPT. How is this information corrected/updated/verified if They are reporting an inaccurate date of last activity, an inaccurate account status and late payment status?
THE BANK OF MISSOURI
Account numbers are listed as **********
They need to REMOVE it from my account and stop reporting for FCRA non-compliance of inaccurate data furnished on my credit reportBusiness Response
Date: 11/22/2022
Hello,
Please see the attached response.
Thanks,
November 22, 2022
Better Business Bureau
211 N. Broadway, Suite 2060
St. Louis, MO
RE: Better Business Bureau Case # ************** ****** *****
To whom it may concern:
We are in receipt of your letter received November 8, 2022, regarding the above referenced
individual. We are reviewing the consumer’s concerns and sending a response directly to the
consumer with a disclosure consent form. Please allow 5-7 business days for the consumer to
receive the response in the mail. Upon receipt of the signed disclosure consent form from the
consumer, we will forward a copy of the response to your office.
Please do not hesitate to contact our office if you have additional questions or concerns.
Thank you.
Customer Relations – Contract Services
The Bank of MissouriBusiness Response
Date: 11/22/2022
Hello,
Please see the attached response.
Thanks,
November 22, 2022
Better Business Bureau
*** ** ********* ***** ****
*** ****** ** *****
RE: Better Business Bureau Case # ********* ****** *****
To whom it may concern:
We are in receipt of your letter received November 8, 2022, regarding the above referenced
individual. We are reviewing the consumer’s concerns and sending a response directly to the
consumer with a disclosure consent form. Please allow 5-7 business days for the consumer to
receive the response in the mail. Upon receipt of the signed disclosure consent form from the
consumer, we will forward a copy of the response to your office.
Please do not hesitate to contact our office if you have additional questions or concerns.
Thank you.
Customer Relations – Contract Services
The Bank of MissoCustomer Answer
Date: 11/30/2023
I am writing to urgently address critical inaccuracies with The Bank of Missouri account # ************. after disputing it was verified & accurate but After reviewing my credit reports from Experian, Equifax,&TransUnion,i noticed that there are substantial discrepancies that require immediate resolution. The account is reported as "Charge-off" on Experian and Equifax, & as "In Collections/Charge-off" on TransUnion. These inconsistencies have led to confusion about the true status of the account. I am formally requesting the removal of this account from my credit report to accurately reflect its current status, in alignment with the provisions of the Fair Credit Reporting Act (FCRA), Section 611(a).Despite being reported as closed, there is mention of a remaining credit limit. This misinformation is misleading and not representative of the account's actual status. I insist on the immediate removal of this account to align with its closed status, as per the ***** Section 623(a)(2), which requires that information reported to credit bureaus is complete and accurately reflects the consumer's creditworthiness.There is inconsistency in the reported last payment dates across the credit reports (ranging from Oct. 01, 2021, to Oct. 05, 2021). I am requesting your prompt attention to correct and remove the inaccuracies associated with the last payment dates, as mandated by the ***** Section 611(a), which empowers consumers to dispute inaccurate information and ensures a fair and accurate representation of their credit history. I am fully committed to resolving any legitimate obligations associated with this account. Still, it is crucial that my credit report accurately reflects the true status of my financial history.I expect your prompt attention to this matter. Please provide written confirmation within 30 days of the removal of this account from my credit report.Thank you for your immediate cooperation in rectifying these issues. I look forward to a swift resolution.Business Response
Date: 11/30/2023
This is a duplicate complaint - see Complaint ID: ******** - regarding the same issues and same account. We just responded to the previous complaint a few minutes ago, and our response directly to the customer will be mailed tomorrow, 12/1/23. Please let us know if you have any questions.Customer Answer
Date: 11/30/2023
Complaint: 18375536
I am rejecting this response because:
Its not a duplicate request of removal. My points remain valid. You all updated and verified incorrect information And it still needs to be removed. This misreporting directly violates FCRA Section 623(a), which mandates accurate and fair reporting of credit information.
Sincerely,
***********************Business Response
Date: 12/01/2023
Our response to Complaint ID: ********, regarding the same issues, for the same account, were mailed to the customer this morning. Please allow 5-7 days for the customer to receive our response.
Thank you,
Contract Services
Customer Answer
Date: 12/01/2023
Better Business Bureau:
I have reviewed the response made by the business in reference tocomplaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
***********************Initial Complaint
Date:11/07/2022
Type:Customer Service IssuesStatus:AnsweredMore info
Complaint statuses
- 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.
We have been transferred around and told protocol is different at every location before we could even figure out who we needed to speak with about our issue which apparently we needed to speak with the extremely rude ****** at the ******** location in Springfield, MO. We made a deposit of two large checks from a reputable law firm and insurance company on Halloween and we were lied to by ****** and told it was an automatic hold for 7 days for no real reason to which another location informed us that holds were actually up to the discretion of the bank clerk taking the deposit but our paychecks have also gone into this account and now our debit cards are completely unusable and getting declined everywhere. We called this morning to see if we could get our funds released to us because we have to go out of town Tuesday morning but ****** decided she was uncomfortable with releasing our funds to us and we could not speak to her manager until after we are supposed to already be out of town.Business Response
Date: 11/16/2022
Good afternoon,
Please see attached letter. We will reach out to the customer directly and will provide the BBB the response if the customer provides their permission.
Thank you!
November 14, 2022
Better Business Bureau
*** ** ********* ***** ****
*** ****** ** *****
RE: Better Business Bureau Case # ******** * ********* *******
To whom it may concern:
We are in receipt of your letter received November 7, 2022 regarding the above referenced individual. We are reviewing the consumer’s concerns and sending a response directly to the consumer with a disclosure consent form. Please allow 5-7 business days for the consumer to receive the response in the mail. Upon receipt of the signed disclosure consent form from the consumer, we will forward a copy of the response to your office.
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:10/29/2022
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- 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 called this company about my credit card it still has not came at all when i called lost and found they said my address was **** ****** *** how did they get my address wrong when i first got my credit card it want to **** ****** *** ********* ******** when i called tonight lost and found i kept telling them **** ****** *** is not the right address they got nasty with me you and they do not resvole my issuceBusiness Response
Date: 11/14/2022
Hello,
Please see the attached response.
Thanks,
November 14, 2022
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 October 30, 2022, regarding the above referenced
individual. We are reviewing the consumer’s concerns and sending a response directly to the
consumer with a disclosure consent form. Please allow 5-7 business days for the consumer to
receive the response in the mail. Upon receipt of the signed disclosure consent form from the
consumer, we will forward a copy of the response to your office.
Please do not hesitate to contact our office if you have additional questions or concerns.
Thank you.
Customer Relations – Contract Services
The Bank of MissouriInitial Complaint
Date:10/29/2022
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- 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 had a credit card account with Bank of Missouri for which the tradeline was sold to ********* ********, a collections company. In an effort to clean up my credit and rebuild I entered into a pay for delete agreement to delete the entire tradeline. ********* ******** did delete their portion, however, Bank of Missouri has not removed the account from all of the credit reporting agencies and even updated it but did not delete as per the agreement. Had I known that this would not have been removed I may have just let it drop off the report after the future 7 year mark.
This account greatly impacts my credit rating and should have been removed
The tradeline should be removed as the promised letter attached states ( 2 letters one before and 1 after payment)Business Response
Date: 11/09/2022
Attached, please find our response to ID *********
November 9, 2022
Better Business Bureau
211 N. Broadway, Suite 2060
St. Louis, MO 63102
RE: Better Business Bureau Case # ********* ******* *******
To whom it may concern:
On October 30, 2022, The Bank of Missouri received a complaint from your offices, on behalf of
the Consumer identified in ID #********* We have reviewed the consumer’s concerns and have
sent a response directly to the consumer with a disclosure consent form. Please allow 5-7 business
days for the consumer to receive the response in the mail. Upon receipt of the signed disclosure
consent form from the consumer, we will forward a copy of the response to your office.
Please do not hesitate to contact our office if you have additional questions or concerns.
Thank you.
Customer Relations – Contract Services
The Bank of MissouriInitial Complaint
Date:10/28/2022
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- 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.
10/26/22
$105
I spoken to ****** Credit Card company on Sunday or Monday they offer me a match pay program i was approved for that i make a payment $105 and they will pay $52 and second payment for November 8 of $135 and they pay $67.50 to bring my credit card account back to current because my account payments was behind this was agreement with them and they telling me now its only one time payment and their payment wont reach till November 8th of only $52 they did not tell me that in the first place these guys are Liars they tell you one thing and tell you something else. I am not happy with them at all now ill be behind and hit with another late fee because of them. I ask twice to speak to there supervisor and they decline me to speak to her the lady on the phone saying she was to busy to get to the phone with me. This credit card company doing wrong to customers.Business Response
Date: 11/08/2022
Attached, please find our response to ID *********
November 8, 2022
Better Business Bureau
211 N. Broadway, Suite 2060
St. Louis, MO 63102
RE: Better Business Bureau Case # ********* ******* ******
To whom it may concern:
On October 28, 2022, The Bank of Missouri received a complaint from your offices, on behalf of
the Consumer identified in ID ********** We have reviewed the consumer’s concerns and have
sent a response directly to the consumer with a disclosure consent form. Please allow 5-7 business
days for the consumer to receive the response in the mail. Upon receipt of the signed disclosure
consent form from the consumer, we will forward a copy of the response to your office.
Please do not hesitate to contact our office if you have additional questions or concerns.
Thank you.
Customer Relations – Contract Services
The Bank of MissouriInitial Complaint
Date:10/28/2022
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- 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 up an ****** Visa several months back. I have been paying my monthly payments on time every month like clock work. This past month,September to be exact, I paid my account on time as usual. After talking to multiple chat reps and reps on the phone,I was told that my bank disputed my payment for September. This wasn't true at all. I called my bank multiple times and was told they did not dispute it and even emailed a letter stating what they disputed . It wasn't ******. ****** claims that my bank disputed my September 2022 payment. That wasn't the case. ****** has stolen my money and this isn't the way to do business. I'm just asking that my full balance be cleared if all possible. They Do not want me to take this to the next level because it will be in court. This business should be shut down and I don't believe they are legit at all. Most of the calls come from overseas with ******. I'm very upset to know I won't ever get my money back. My account is closed because I closed it as of yesterday. If something isn't done about this, I will publicize this business all over the news,social media,and tell everyone not to ever use these theives!!! I have attached a letter from my bank stating what charge they disputed and it WASNT ******!!Business Response
Date: 11/08/2022
Attached, please find our response to ID *********
November 8, 2022
Better Business Bureau
211 N. Broadway, Suite 2060
St. Louis, MO 63102
RE: Better Business Bureau Case # ********* ****** ********
To whom it may concern:
On October 28, 2022, The Bank of Missouri received a complaint from your offices, on behalf of
the Consumer identified in ID #********. We have reviewed the consumer’s concerns and have
sent a response directly to the consumer with a disclosure consent form. Please allow 5-7 business
days for the consumer to receive the response in the mail. Upon receipt of the signed disclosure
consent form from the consumer, we will forward a copy of the response to your office.
Please do not hesitate to contact our office if you have additional questions or concerns.
Thank you.
Customer Relations – Contract Services
The Bank of MissouriInitial Complaint
Date:10/22/2022
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- 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 been paying for my bill and the payments are not being recorded, I have all the transaction numbers and payments in which I spoke with someone today and I gave them the information.Also there is also 2 39.00 credits I should have also while I have on a recorded line. Because as you see they fraudulently charged me a late fee when I made the payment on time, in an arrangement. If you look at the payment which is due on the 24th of the month. I paid on the 23rd and was charged a 39.00 dollar late fee on the 26 of the month and I paid before my due date which you can plainly see on the page. Also I have no access to my statements which I asked for many times… the statements on the online portal don’t work.Business Response
Date: 11/07/2022
Attached, please find our response.Initial Complaint
Date:10/21/2022
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- 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 had a ******* credit card account true them that got behind in payments due to covid. I was sick and out of work for over a month. I talked to several people 2 of which told me they were putting me into a covid relief program. They seemed great and understanding or so I thought. Apparently the first person I talked to about it in either late august or early september never put in any notes about covid and the company denies having any record of me talking to them which is just not true. I had many accounts go past due because of being sick for so long and I contacted them all. then again I talked to people in october once being the 19th and that person actually put me in the covid relief program. I asked about an offer that they gave me that was basically a 50% match statment credit on payments I made ok great thats a huge help. I ask will that credit be availble in my balance immediately since I was still catching up from covid. she said no it takes 14 days. at this time my account was already cancelled and she didnt mention a thing told me that any payments I made would be available that very day knowing well that it would not since my account was closed. I did not find out it was closed until after making a $322 payment on the card and nothing showing in my available balance. They have a department that can make this right and reinstate my account but they flat out refuse to even hear me out. The supervisor I talked to today put in a refund request for the 322 payment but thats not what I want I want my account back in good status I was going to pay the whole balance in the next week at most and now honestly with the way my credit is my chances of even thinking about buying a house are ruined all because of lies and omissions from this company.Business Response
Date: 11/07/2022
Attached please find our response.
November 7, 2022
Better Business Bureau
211 N. Broadway, Suite 2060
St. Louis, MO 63102
RE: Better Business Bureau Case # ********* ***** ********
To whom it may concern:
On October 24, 2022, The Bank of Missouri received a complaint from your offices, on behalf of
the Consumer identified in ID *********. We have reviewed the consumer’s concerns and have
sent a response directly to the consumer with a disclosure consent form. Please allow 5-7 business
days for the consumer to receive the response in the mail. Upon receipt of the signed disclosure
consent form from the consumer, we will forward a copy of the response to your office.
Please do not hesitate to contact our office if you have additional questions or concerns.
Thank you.
Customer Relations – Contract Services
The Bank of MissouriInitial Complaint
Date:10/17/2022
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- 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.
******* aka The Bank of Missouri (“TBOM”) - Are unproperly charging interest on Purchcase no longer valid
Customer is charging me interest on items PAID OFF !!!!!
This is a scam for those that dont check the interest amount versus what is owe. This a horrible practice that the attorney general of the state of Missouri for DOJ should be looking into!!!
Manager ***
example: !. Promotional balance end for 263 on Oct 19th - my Balance is $200 , ******* charge me 19.35 for a promotional balance for 645 for ending in Sept. I dont owe 645 I owe 200 so how Am I being charge for both promotion when my balkance in 200 and it dont end until 0ct 19th ?????
no where in the statement does it mention 645, and how can i be chargre for both promotional when my balance is 200 which is lower then both of the promtional so one of them must been paid off.
Statement arent clear and the customer service doestn know. I have called them 15 times and no resolution or explanation on what im paying !!!!!!!
This is a scam a rip off !!! Please investigate
My balance for Oct is 200 - ******* charge me 19.35 for 645 promotional not paid for where my Balance will under 645
Example: My billing statement in Sept saysBusiness Response
Date: 11/02/2022
Attached, please find our response.Initial Complaint
Date:10/12/2022
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- 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.
****** Mastercard Ending in ****
On March 6, 2020 I received an email from ****** stating that that my credit card account had been compromised and that they were closing the old account and issuing a new card.
On March 15, 2020 there was evidence of my online account being hacked again, as ****** emailed me that there were several attempts to login that were unsuccesful and that the account was locked.
On March 15, 2020 5 mins after the email that the account was locked, ****** sent an email that the password had been successfully changed by someone who was obviously not me. This action subsequently locked my out of authorized access to the account.
There were several calls made to inform ****** of the account being hacked and unauthorized charges being made. ****** continued to send emails that the monthly bills for the unauthorized charges were due or past due. ****** eventually charged off the account with unauthorized charges they were billing me for. The sold the account to a collection agency. They also reported the charged off status to the credit agencies, damaging my name and credit, though they never took an effort as promised to reverse the unauthorized charges.
They should remove such tradelines from the reporting agencies rather than ignoring a customer and expecting them to pay unauthorized charges on a compromised account.Business Response
Date: 11/07/2022
Attached, please find our response.
November 7, 2022
Better Business Bureau
211 N. Broadway, Suite 2060
St. Louis, MO 63102
RE: Better Business Bureau Case # ********* ****** **********
To whom it may concern:
On October 13, 2022, The Bank of Missouri received a complaint from your offices, on behalf of
the Consumer identified in ID #********. We have reviewed the consumer’s concerns and have
sent a response directly to the consumer with a disclosure consent form. Please allow 5-7 business
days for the consumer to receive the response in the mail. Upon receipt of the signed disclosure
consent form from the consumer, we will forward a copy of the response to your office.
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
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