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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:11/06/2024

      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 Better Business Bureau,This is a formal complaint about an unauthorized TBOM/ATLS/******* account with account number ****************, which appears on my credit report with an open date of 06/14/2021. As a victim of identity theft, I have filed a report with *****************, and copies are attached for your review.According to the Fair Credit Reporting Act (FCRA), specifically sections 609 and 605B, I am entitled to have inaccurate or fraudulent information removed from my credit report. I request that this account be removed from my credit profile to prevent further damage.Thank you for your prompt assistance with this matter.

      Business Response

      Date: 11/22/2024

      Hello,

      Please see the attached response.

      Thank you,

    • Initial Complaint

      Date:11/06/2024

      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.
      Applied for and was approved for a Milestone credit card back 7-8 months ago. After getting continuing statements wanting a payment for an annual fee and still haven't received a card yet I called asking about the card. They told me there was a mistake in their end and it had been sent to the wrong address, they would send another card out to the correct address. After 2 more months I called and complaining still haven't received my card so they said they where going to send out a new card. After 7 months of being harassed and I finally received my card in the mail, I call the number on the sticker attached to my new card and activate it. I attempted to use it and transaction was embarrassingly declined. I go online and attempt to manage account and activate it there. I get a message can't activate online have to call customer service.I call and am told my card can't be activated because my account was permanently closed?? After waiting 7 months for a card so I can actually use this account I'm told my account has been closed when i call to activate the card??? It seems like they were just trying to scam people from there money expecting you to make payments for fees and never send you a card so you have no way to use the account. I and no one I know is that stupid. Make payments to an account you can't use? Was told they couldn't reopen account and to reapply. Disregard the card you just received, even though I've been waiting 7 month's for it. They can open an account that's applied for. Close the account, activate, deactivated. But can't reopen or reactivate an account that they closed when shouldn't have??? Sounds like bs to me.

      Business Response

      Date: 11/19/2024


      November 19, 2024


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

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

      To whom it may concern:

      We are in receipt of your correspondence received November 7, 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:11/04/2024

      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 **** Customer Service, I am reaching out to request a goodwill adjustment for the late payment reported on my Milestone card in August 2024. I typically maintain a responsible payment history, but this incident was due to an oversightI believed my payments were automated, but my card information was not updated. Additionally, since retiring from the *******, I travel frequently and do not always receive mail consistently. I appreciate your consideration in making this adjustment. I kindly ask that you consider removing the late **** as a goodwill gesture. I greatly appreciate your understanding and assistance. TBOM/MILSTNE ****************

      Business Response

      Date: 11/18/2024


      November 18, 2024


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

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

      To whom it may concern:

      We are in receipt of your correspondence received November 4, 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
      ********************

      Customer Answer

      Date: 12/06/2024

      Dear ********************** I am reaching out to request a goodwill adjustment for the late payment reported on my Milestone card in August 2024. I typically maintain a responsible payment history, but this incident was due to an oversightI believed my payments were automated, but my card information was not updated. Additionally, since retiring from the *******, I travel frequently and do not always receive mail consistently. I appreciate your consideration in making this adjustment. I kindly ask that you consider removing the late **** as a goodwill gesture. I greatly appreciate your understanding and assistance. TBOM/MILSTNE 549806006374****.

    • Initial Complaint

      Date:11/04/2024

      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 ******************************* TOTAL V ACCT #: **************** ***. $436.00 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: 11/18/2024

      Attached, please find our response to Complaint ID ********.

      Thank you.

    • Initial Complaint

      Date:10/31/2024

      Type:Order 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 not liable for this debt with Bank of Missouri, I do not have a contract with Bank of Missouri, they did not provide me with the original contract as I requested.

      Business Response

      Date: 11/18/2024

      Attached, please find our response to Complaint ID ********.

      Thank you.

    • Initial Complaint

      Date:10/30/2024

      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 not obligated to pay this debt with ***********, as I have no agreement with ***********, and they have not supplied the original contract I asked for.

      Business Response

      Date: 11/13/2024

      Attached, please find our response to Complaint ID: ********.

      Thank you.

    • Initial Complaint

      Date:10/29/2024

      Type:Customer Service 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.
      Good Day TBOM. I have 2 Aspire Cards under TBOM. I am kindly reaching out for help with a settlement consideration on both of accounts so that I can fulfill this obligation and not have increased stress with my current hardship. When I log on to my account, I see I have settlement offers for both accounts. Settlement offer $1086.63 for card ending in 2216 and $434.69 for card ending in 4967. At this time, I cannot afford to accept these settlement terms. I am a disabled retiree, on fixed income, and the head of household with 3 dependents. I am having increased healthcare expenses. Given my situation, can I please offer a settlement of $350 for my account ending in 2216 and $150 for my account ending in 4967. If approved, can these settlement amounts be reflected on my account logon for prompt payment. I am able to make this payment on the second week of November. I appreciate your understanding during these trying times.

      Business Response

      Date: 11/08/2024

      Attached, please find our response to complaint no. 22485458.

      Thank you.

      Customer Answer

      Date: 11/11/2024

      Better Business Bureau:

      I have reviewed the business' response regarding complaint ID ******** and am satisfied with this resolution. 

    • Initial Complaint

      Date:10/26/2024

      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 discovered an unauthorized TBOM/ATLS/Fortiva MC account on my credit report. This account was not opened by me, as I am a victim of identity theft.Account details:Opened Date: 06/15/2023 Account Number: **************** Higher Credit: $1,102.00 I am requesting that this account be removed from my credit report, along with any negative information associated with it. I have enclosed documents supporting my identity theft case.Thank you for your attention to this issue.

      Business Response

      Date: 11/08/2024

      Hello,

      Please see the attached response.

      Thank you,

    • Initial Complaint

      Date:10/24/2024

      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.
      01 TBOM FORTIVA ADDRESS: ************************************************ ACCT NO.: *******************: $0.00 PLEASE REMOVE IT FROM MY CREDIT REPORT.

      Business Response

      Date: 11/08/2024

      Hello,

      Please see the attached response.

      Thank you,

    • Initial Complaint

      Date:10/23/2024

      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.
      Called a few days ago to ask for the late fees be waived on cards ending #****/6298; *** stated that once I make the debit card payments on each they had no issues crediting late fee on BOTH cards. So, I cxld my postdated scheduled check payments and made a debit card payment on 6298. I then called 10/22 and *** all of sudden said oh yea we cant do that- bull c*** So basically I was lied to to make a payment. I have been a long time customer and most part paid on time- but now i have to fight over a **** late fee- *** stated july was waived- look idc - i dont work there - not my responsibility to know yall internal processes. Pull the call and listen to him tell me BOTH late fees would be waived once a debit card is made- i WILL NOT make any further payments until this is properly resolved. Also, an automated message popped up on BOTH accounts with a 30$ statement credit if payment made- **** 6298 worked but when i tried to go to **** account it disappeared- when I asked why they had no clue . Please honor what was stated to me or close my accounts - THANKS

      Business Response

      Date: 11/06/2024

      Hello,

      Please see the attached response.

      Thank you,

      Customer Answer

      Date: 11/07/2024

      Complaint: 22463552

      Hi, sorry to reject resolution (it only gave me an option to accept/reject) as I am awaiting the direct communication to me from said business as alluded to in message. I actually have another concern, that is even more alarming than the previous. I went to pay my past due and saw that I was being charged for credit protection. I NEVER gave anyone permission to added this extra at cost feature. When I called the **** wanted to give me a hard time saying I did sign up for it. I know for a fact I did NOT. *** supposedly said he would cancel and submit case to have ALL credit protection fees credited. He claims this was since 2023. Again, I never said this was okay and find this to be fraudulent on your company's part. This also happened with my Fortiva card, same thing - *** argued I may have signed up on accident- demanded a manager and they were very helpful in explaining due to update it auto added to my account WITHOUT my permission and she credited back all months charges on the spot. I need to be very clear. I want in writing that any and all credit protection and any and all like services are NOT active on all Aspire (2) cards and Fortive and I want all unauthorized credit protection charges on my Aspire accounts credited back immediately. This is fraud on your company's part and very troubling, esp. when it's recorded that your own company made the error. This is class action lawsuit material. Do not add any other features, esp. at cost, to my account with MY permission. I will await written confirmation and refund amounts. Once received, I will gladly pay my outstanding balance. Thank you again and will await the requested items and the direct communication for the previous issue. .



      Sincerely,

      ***** ******

      Business Response

      Date: 11/18/2024

      A response was provided to the BBB on 11/18.

      Business Response

      Date: 11/19/2024

      Hello,

      A response was mailed directly to the customer on November 13, 2024, addressing their concerns.

      Thank you,

       

    Bank of Missouri is NOT a BBB Accredited Business.

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