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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

    • 454 total complaints in the last 3 years.
    • 121 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:12/09/2024

      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.
      To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed ******************************* ACCT #: ********* ***. $1,148.00 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

      Business Response

      Date: 12/20/2024

      December 20, 2024


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

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

      To whom it may concern:

      We are in receipt of your correspondence received December 10, 2024, regarding the above-named individual. We are reviewing the consumers 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
      ********************

    • Initial Complaint

      Date:12/02/2024

      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.
      To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.TBOM/FORTIVA ACCT #: **************** ***. $707.00 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

      Business Response

      Date: 12/17/2024

      December 16, 2024


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

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

      To whom it may concern:

      We are in receipt of your correspondence received December 02, 2024, regarding the above-named
      individual. We are reviewing the consumers 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 ****************************
      ********************

    • Initial Complaint

      Date:11/27/2024

      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 am filing this complaint because [THE BANK OF MISSOURI ] sold or transferred an alleged debt to [************************* ], and the handling of this matter violates my rights under federal laws, including the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA).1. Failure to Provide Accurate Information:[THE BANK OF MISSOURI ] reported the alleged account as "charged-off" on my credit report but failed to provide accurate and updated information to the credit bureaus when the debt was sold.The original creditor did not clearly identify the status of the debt, resulting in confusion and duplicate reporting by the collection agency.Failure to Notify of Debt Sale or Transfer:I was not informed in writing that the debt had been sold or assigned to [*************************], as required under 15 U.S.C. 1692g and related provisions: Credit Reporting Errors:Both the original creditor and collection agency are reporting the same debt on my credit report, creating duplicate entries.These duplicate entries negatively impact my credit score and violate the ***** mandate to ensure accurate reporting.Debt Validation Failure:I requested validation of the debt from [MIDLAND CREDIT MANAGEMENT ] on [11/11/2024] and they failed to provide sufficient documentation to prove the legitimacy of the alleged debt, as required under the FDCPA.Potential Metro 2 Non-Compliance:It appears that the reporting of this account does not comply with Metro 2 guidelines, which govern how debts must be reported to the credit bureaus.

      Business Response

      Date: 12/13/2024


      December 13, 2024


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

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

      To whom it may concern:

      We are in receipt of your correspondence received November 27, 2024, regarding the above-named individual. We are reviewing the consumers 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
      ********************

    • Initial Complaint

      Date:11/26/2024

      Type:Service or Repair 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 started an account at the ****************************. I called up the number on the back of my card and asked what the balance and asked them why i hadn&#**;t gotten a statement in three months. They are telling me I owe them over 1000 dollars, but I wont be paying them until I get the bill. They were saying that it was due on the third of December, but there is no possible way I could even pay that in time. I asked them to send it to me but they kept transferring me and then eventually hung up on.

      Business Response

      Date: 12/11/2024

      Hello,

      Please see the attached response.

      Thank you,

      Customer Answer

      Date: 12/19/2024

      It has been resolved so far.  (I don't have a computer).

    • Initial Complaint

      Date:11/21/2024

      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.
      Subject: Urgent: Fraudulent Accounts - Immediate Action Required Dear *********** am writing to formally notify you of fraudulent accounts that have been opened in my name with TBOM. As a victim of identity theft, I had no involvement in or authorization for the opening of these accounts. This matter is unauthorized and unlawful, and I request immediate action to resolve it. Below are the details of the fraudulent accounts:Creditor Name: TBOM Opened Date: 04/--/2022 Account Number: **************** High Credit: $1,500 Creditor Name: TBOMMILSTN Opened Date: 03/--/2020 Account Number: **************** High Credit: $300 I hereby demand the following actions without delay:Immediate closure of both fraudulent accounts.Removal of any and all negative information related to these accounts from my credit report.Provision of written confirmation of the accounts' closures.Submission of any documentation or evidence related to the fraudulent activity for my records.Failure to address this matter promptly will leave me with no choice but to escalate the situation through legal channels, including filing complaints with the ************************ (***) and relevant state authorities.Your urgent attention to this matter is required. Please confirm receipt of this letter and provide a timeline for resolution.

      Business Response

      Date: 12/03/2024


      December 3, 2024


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

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

      To whom it may concern:

      We are in receipt of your correspondence received November 21, 2024, regarding the above-named individual. We are reviewing the consumers 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
      ********************

    • Initial Complaint

      Date:11/16/2024

      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.
      AFTER VIEWING MY CREDIT REPORT THIS MORNING I NOTICED A **************** MY SCORE DUE TO A REPORTING ERROR FROM THE BANK OF MISSOURI , REVEL PLATINUM MASTERCARD, ACCOUNT # *******************, REPORTING 3 LATE PAYMENTS. THERE HAVE BEEN NO LATE PAYMENTS ON ACCOUNT # *******************, AND I REACHED OUT TO THE COMPANY, AND THEY CONFIRMED THAT THERE ARE NO LATE PAYMENTS ON RECORD FOR THIS ACCOUNT WITH THIS ************************* PER THE FAIR CREDIT REPORTING ACT, AS A CONSUMER I HAVE THE RIGHT TO 100% ACCURATE REPORTING ON MY CREDIT PROFILE AND RESPECTFULLY REQUEST THAT THIS BE CORRECTED AND UPDATED IMMEDIATELY TO SHOW ON TIME AND NEVER LATE.

      Business Response

      Date: 11/29/2024

      November 29, 2024


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

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

      To whom it may concern:

      We are in receipt of your correspondence received November 16, 2024, regarding the above-named
      individual. We are reviewing the consumers 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 ****************************
      ********************

    • Initial Complaint

      Date:11/16/2024

      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.
      Dear *********** am writing to dispute several errors on my credit report. The accounts listed below, which are reported under my name, do not belong to me. I have no knowledge of these accounts and they are not associated with me. Please investigate and remove these accounts from my credit report as soon as possible.Creditor Name: TBOM/CONTFIN Account Number: ************ Opened Date: 12/14/2016 Amount: $1,195.00 Creditor Name: TBOM/ATLS/ASPIRE Account Number: ************ Opened Date: 12/7/2021 Amount: $462.00 Creditor Name: TBOM MIL Account Number: **************** Opened Date: 5/1/2018 Amount: $0.00 I request that these accounts be investigated and removed from my credit report as soon as possible. Please confirm receipt of this dispute letter and advise on the actions taken to resolve this issue.

      Business Response

      Date: 11/29/2024

      November 29, 2024


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

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

      To whom it may concern:

      We are in receipt of your correspondence received November 16, 2024, regarding the above-named
      individual. We are reviewing the consumers 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 ****************************
      ********************

      Customer Answer

      Date: 12/19/2024

      I am disputing the following account, which appears on my credit report and does not belong to me: Account Number: **************** Opened Date: 05-01-2018 Balance: $0.00 Please investigate this account and remove it from my credit report.

      Business Response

      Date: 12/20/2024

      Please find our response to the message received, attached. 

    • Initial Complaint

      Date:11/15/2024

      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.
      Dear *********** am writing to file a complaint about a fraudulent account listed on my credit report. The account in question is with TBOM/CONTFIN, opened on 10/12/2022, with account number ****************. I did not authorize or open this account, and I am a victim of identity theft.I have filed a complaint with ***************** and the ************************ (***) about this matter. Enclosed are copies of my ***************** report and the section of my credit report showing this fraudulent account.I request that the Better Business Bureau investigate this matter and assist in removing this fraudulent account from my credit report.Thank you for your cooperation and assistance.

      Business Response

      Date: 12/02/2024

      Hello,

      Please see the attached response.

      Thank you,

    • Initial Complaint

      Date:11/11/2024

      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 recently reviewed my credit report and found that an account under your name has been reported inaccurately. I am a victim of identity theft, and I have already filed a report with ***************** to address this issue.The following account, which appears on my credit report, does not belong to me:Creditor Name: TBOM/CONTFIN Opened Date: 08/31/2020 Account Number: **************** Amount: $910.00 I request that this account be removed from my credit report as it was opened fraudulently, without my authorization.Please let me know if any further information or documentation is needed to resolve this matter.Thank you for your prompt attention.

      Business Response

      Date: 11/25/2024

      Hello,

      Please see the attached response.

      Thank you,

    • Initial Complaint

      Date:11/07/2024

      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 applied and was approved for the Aspire credit card. Unfortunately, I never received the card and somehow there was fraudulent charges made on said card. Bank of Missouri is reporting the fraudulent balance to the credit bureaus after I called them and brought to their attention that I never received the card. I am requesting that the Aspire account to update to reflect a $0.00 balance and the account closed immediately. If this is how they are going to treat there customers. I dont want the card

      Business Response

      Date: 11/22/2024

      Hello,

      Please see the attached response.

      Thank you,

      Customer Answer

      Date: 11/22/2024

      Better Business Bureau:

      I reserved the right to file a additional complaint if the business doesnt follow through with their response or Im not satisfied with the response.
       
      Sincerely,

      Lebroam ******

    Bank of Missouri is NOT a BBB Accredited Business.

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