Complaints

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

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• 

  Bank of Missouri

  906 N Kingshighway St Perryville, MO 63775-1204

• 

  Bank of Missouri

  100 S Walnut St Steele, MO 63877-1713

• 

  Bank of Missouri

  3610 Buttonwood Dr Columbia, MO 65201-3721

• 

  Bank of Missouri

  216 W 2nd St Dixon, MO 65459-8048

• 

  Bank of Missouri

  P O Box 1832 Wilmington, DE 19899

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.

• Initial Complaint

  Date:10/12/2022

  Type:Billing Issues
  Status:

  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.

  Bank of Missouri / Milestone is listed on my credit report as a charge off. As per our agreement I paid off the full amount of $728 with the understanding that the account would be removed from my reports. My account is paid in full as agreed and BOM / Milestone is still listed on all 3 credit bureaus.

  Business Response

  Date: 10/26/2022

  Attached, please find our response.

  Customer Answer

  Date: 10/27/2022

  Complaint: ********
  
  
  
  I am rejecting this response because: This is an obvious attempt to stall and prolong the issue. A "consent" form they claim will take 5 - 7 days which then will naturally require my signature and another 5 - 7 days for return mail and then an investigation which takes X number of days or my signature and form will never be received in which another 5 - 7 days will be added to the process. This company was paid in full and is now reporting my account with incorrect information to the credit bureaus which is a violation of the FCRA. This is not a game.
  
  
  
  
  
  
  
  Sincerely,
  
  
  
  ***** *******

  Business Response

  Date: 10/31/2022

  There is no further information that we can provide to the customer; a copy of the response letter has been re-mailed to the customer.

• Initial Complaint

  Date:10/10/2022

  Type:Billing Issues
  Status:

  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.

  Fortiva Credit Card, a product of said company cancelled my card after I was unable to pay during a bout with Covid. This along with an on the job injury left me with virtually no paycheck for about 6 weeks. I received no notice of the cancellation, and instead of having sympathy the agents I spoke with told me that it was in the contract and there was nothing to be done. Although the account is shut down, they continue to charge monthly/annual fees and interest as if it were a revolving account. When I read the contract it was vague and ambiguous. They are completely unwilling to work with their customers and it seems that their one goal in life is to keep people indebted to them. In trying to fix my credit with a card like this they are going to put me in a worse place than I was prior. All because I am a nurse and a patient left me injured, then ill.

  Business Response

  Date: 10/21/2022

  On October 10, 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.

• Initial Complaint

  Date:10/05/2022

  Type:Service or Repair Issues
  Status:

  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 requested my Total Visa account be closed 9/27/2022 via phone. I was told it would be closed in 3-5 days. It is still
  open. I have called twice, once last week and once this week to find out why my account is still open. I was told “the back office is backed up” and they cannot tell me when my account will be closed. I also emailed in and received no response and I filled out the contact form on their website and also received no response.

  Business Response

  Date: 10/20/2022

  On October 6, 2022, The Bank of Missouri received a complaint from your offices, on behalf of
  the Consumer identified in ** *********. 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.

• Initial Complaint

  Date:10/04/2022

  Type:Billing Issues
  Status:

  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 made a payment to Bank of Missouri on 9/28/2022 in the amount of $100. While my credit limit has not been reached I have no available credit even though my made payment has already cleared. They are refusing to give me access to my available credit and refuse to provide any legitimate information as to why. I have spoken with manager by the name of ** who stated there is no timeline provided for posting of payments. After explaining the payment was cleared over a week ago, I was told no one knows when I will have access to my funds. If they can’t provide me my funds I want my payment returned. I have attached proof of payment from both my bank account as well as the account in question.

  Business Response

  Date: 10/20/2022

  On October 5, 2022, The Bank of Missouri received a complaint from your offices, on behalf of
  the Consumer identified in ** ********** 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.

• Initial Complaint

  Date:09/28/2022

  Type:Customer Service Issues
  Status:

  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.

  Upon seeing my credit report, it pays my attention that the following accounts are inaccurate and fraudulent. I am a consumer by law. I am not happy about it what I saw. This hurt my credentials as a consumer. Here are the listed details of the account with discrepancies:
  
  Account Name THE BANK OF MISSOURI Balance $0.00 Account Number ****************

  Business Response

  Date: 10/06/2022

  
  
  
  October
  6, 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 September 28, 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.
  
  ******** ********* * ******** ********
  The Bank of Missouri
  
  
  

• Initial Complaint

  Date:09/27/2022

  Type:Billing Issues
  Status:

  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 cancelled my credit card and they let someone open it back up and charge my account & will not provide any kind of assistance.

  Business Response

  Date: 10/07/2022

  October 7, 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 September 28, 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:09/27/2022

  Type:Billing Issues
  Status:

  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.

  They put negative credit score on credit reporting company ruining credit score which is clearly wrong but are not removing it tbom fortiva are commuting cyber crimes they should be shut down by us government for false reporting

  Business Response

  Date: 09/29/2022

  September 29, 2022
  Better Business Bureau
  *** ** ********* ***** ****
  *** ****** ** *****
  RE: Better Business Bureau Case # ******** – ******** ********
  To whom it may concern:
  We are in receipt of your letter received September 27, 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:09/25/2022

  Type:Billing Issues
  Status:

  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.

  My compalint is against bank of missouri who issue cards for Total visa and First Access Card
  on my transunion, equifax, experian & innovis report is two fraudulant accounts open in my name
  i did not apply for either of these accounts nor have ever had an account with total total visa account ending in **** and first access card ending in **** both of these account were opened using correct personal information in my name to obtain these fraud accounts using my correct social security number *********** i do have fraud alerts of each credit report because i am a victim of identy theft.
  i have put each account with each credit bureau to dispute each account as fraud.but my further complaint is that bank of missouri is telling the creditors that both accounts are valid.
  i come to the last resort before i proceed for substancial civil monetary damages to exceed 500,000,00
  which includes FCRA violations, pain n'suffering, Credit bureau damages, Attorney fee recoveries, Court cost fees. i take pride in protecting my credit to the fullest and will invest to sue bank of missouri for both fraud accounts if the resolution doesnt end with both accounts deleted from each credit bureau including innovis
  and recieve letter head in mail that each account ending in **** and ending in ****
  report by no later than 10/25/2022 after this date i will proceed to sue.

  Business Response

  Date: 10/04/2022

  October 4, 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 September 25, 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

  Business Response

  Date: 10/13/2022

  The Bank's response was mailed to the customer on October 4, 2022. 

  Customer Answer

  Date: 10/14/2022

  Complaint: ********
  
  
  
  I am rejecting this response because:

  
  
  i recieved letter from company and disagrees base off fraud account in dispute and is requesting no further contact from this buisness
   bank of missouri must cease and desist all further contact relating to my name effective date 10/14/202

  
  

• Initial Complaint

  Date:09/18/2022

  Type:Billing Issues
  Status:

  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.

  This company is reporting a collection i have no knowledge about and also late payments and the history is very inaccurate which is causing damage to my credit file I asked for original accounting but got no response. Clearly violations of the FCRA usc 1681 a section 2 A consumer reporting agency cannot furnish information with out my written permission.

  Business Response

  Date: 09/23/2022

  
  
  To
  whom it may concern:
  
  We are in receipt of your letter
  received September 19, 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:09/16/2022

  Type:Billing Issues
  Status:

  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 am filing this formal complaint as a precursor to litigation that could be filed if this isnt rectified in a timely manner via the recommendation of my attorney who advised me to give this company a good faith chance to do whats right. I have NEVER had an account with this **********************, I do not know who they are or what products they have other than looking them up when viewing my credit reports, because for some reason theyre on my reports? And I saw they have lines of credit I suppose? *** dealt with numerous fraudulent accounts on my reports which I have gotten MOST of them removed, and I expect this one to be no different. You have no forms or agreements with MY SIGNATURE on them stating I opened any account with you all. I am demanding you all delete your erroneous trade line off of my credit reports (Transunion, Experian, Equifax) IMMEDIATELY AND PERMANENTLY or face the legal reprucusions of your actions. Litigation is being withheld for the sole purpose of giving you all this final chance to rectify this situation.

  Business Response

  Date: 09/27/2022

  
  
  
  September 27, 2022
  
  Better Business Bureau
  ***************************
  ***********************
  
  RE:Better Business Bureau Case # ******** *************************
  
  To whom it may concern:
  
  We are in receipt of your letter received September 17, 2022, regarding the above referenced individual. We are reviewing the consumers 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
  ********************
  
  
  

  Customer Answer

  Date: 09/27/2022

  Complaint: 18038578
  
  I am rejecting this response because: I am providing the identity theft affidavit to further prove I never opened this account. I didnt even know who this company was until I started reviewing my credit history more closely and stumbled across this fraudulent account. It needs to be retracted  and deleted PERMANENTLY AND IMMEDIATELY from all my credit reports, (Transunion, Experian, Equifax) or legal action will be taken. I do not own or owe this account, which was obtained fraudulently. 
  
  
  
  Sincerely,
  
  *************************

  Business Response

  Date: 10/03/2022

  We had not yet sent our response to the customer when you sent us this rejection notice. Our response was mailed to the customer today, 10/3/22, along with the disclosure form to which we referred in our previous response to the BBB dated 9/27/22. Please let us know if you have any questions. Thanks!

  Customer Answer

  Date: 10/07/2022

  Complaint: 18038578
  
  I am rejecting this response because:
  
  This company has MANY complaints dealing with fraudulent activities as well as fraudulent accounts being opened with them. This is clearly another case of that. I just received their letter stating that they didnt find any evidence of fraud, which is funny because I highly doubt they ever looked. In their letter which Im providing a copy of here, states they want me to send them my SSN Card, my Identification Card (Drivers License), and evidence of proof of address for **** of 2019. Well, ask this question. If I am disputing a fraudulent account with this **********************, WHY WOULD I SEND THEM PHOTOS OF ALL MY IDENTIFYING INFORMATION???? This is exactly what Im talking about. This company is very shady. IVE NEVER BEEN ASKED FOR THOSE DOCUMENTS BY A COMPANY, EVER!!!!!

  But I will do something though. I will provide my proof of address to these people via a pay stub from my employer in **** of 2019, which would you like to know where that place of employment was??? IN *********!!!!!! WANT TO KNOW MY ADDRESS DURING THAT TIME???? In **********, **!!!!!!!! ( You can view the full address in the image of my paystub I will provide.! This should be proof enough that this account was opened fraudulently as I wasnt even LIVING IN ****** AND WAS WORKING AND LIVING IN *********!!!!! 
  

  I have NEVER heard of this company, nor its affiliate *** Acquisition LLC, who both are reporting fraudulent and negative activity on my credit reports (Transunion , Equifax, Experian) to which their negative trade lines need to be removed. 
  

  This company also says I never tried contacting them. They are lying. Ive called multiple numbers I could find and got no answer or they werent in service. This company wont respond to email or mail correspondence which once again shows they are a shady business, involved in shady dealings. Just read their other complaints on BBB. Everyone has an eerie similarity to my situation with them. 

  If these fraudulent trade lines arent deleted from my credit reports IMMEDIATELY AND PERMANENTLY, you all will be sued to the fullest EXTENT OF THE *** ALLOWED! My attorney is on standby ready to file said litigation. Make this easier on yourself and just remove the fraudulent trade lines. 
  
  Sincerely,
  
  *************************

  Customer Answer

  Date: 10/10/2022

  10/10/2022: Mediator sent an update to the consumer. [CR] Just updating that, NO the complaint has not been resolved. The company claimed I indeed opened this fraudulent account, but told me if I wanted to prove it wasnt my account, that I should send them a copy of my Social Security Card, my license, and proof of residence. And then they would do an investigation. But in the same letter they say theyve done an investigation already. This is a very sketchy company to say the least, But I can assure I am denying their response, and will provide my actual lease showing I was living in ********* during this time they say I opened and used this fraudulent account. 
  

  Business Response

  Date: 10/13/2022

  10/13/2022: Mediator sent an email to the business.

  10/18/2022: Mediator left a detailed voicemail (****) for the business.
  

  10/25/2022: Mediator sent an email to the business.

  10/26/2022: Hi ******! I am forwarding this to the appropriate group here. Thanks! Could you please remove ************************* from the BBB notifications for The Bank of Missouri and add the ******* Services Complaint Teams email distribution ******************************************? We are not sure how **** was added, but she does not work complaints.

  You could send the **** ones attention to *************************.