We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Resources for Businesses My BBB
Share
Business Profile

Bank

Bank of Missouri

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Bank.

Complaints

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

Find a Location

Bank of Missouri has 28 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

    Please enter a valid location.

    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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:10/22/2024

      Type:Sales and Advertising 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 received an offer in the mail in October for the Fortiva Mastercard which offered no annual free. The Truth in Lending disclosure is attached. I checked my statement and found a $49.00 annual fee on the card. I called in to customer service and they said they emailed me a change of terms in August which i never received. Considering I have had this card a year and they just happen to add a fee feels nothing more like a bait and switch scheme. When I spoke to the customer service supervisor I even expressed my feelings that I felt this was fraud. I would have never accepted the card if there was a fee. My interest rate was also raised to 36%. I am going to be filing as complaint with the **** regarding this. I want the company to honor the terms I signed up for.

      Business Response

      Date: 11/06/2024

      Hello,

      Please see the attached response.

      Thank you,

      Customer Answer

      Date: 11/18/2024

      Received letter from the bank regarding this complaint. They have resolved my complaint to my satisfaction.  This case can be closed as resolved.

    • Initial Complaint

      Date:10/17/2024

      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'm not liable for this debt with The Bank of Missouri, I do not have a contract with ********************* IN.They have not provided me with the original contract for this line of credit which is fraud and identity theft.

      Business Response

      Date: 10/30/2024


      October 30, 2024


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

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

      To whom it may concern:

      We are in receipt of your correspondence received October 18, 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:10/15/2024

      Type:Billing Issues
      Status:
      Unresolved
      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.
      Re Aspire H31383536****343536H account I stopped receiving invoices for my bill. I talked to a *** and they said they stopped sending invoices, they went paperless. She said my payment was due November 10. I said I have been a month ahead for months on payments. She said I paid it too early. I can never pay it off and I don&#**;t know why they are taking money out of my account. I am paying $150 a month on this card and $20 is taken and it never shows up when they show transactions. I supposedly have a user name and password and that is news to me. I want a paper statement sent to me every month and know why they are taking money out every month. I want to know why my balance is not reflecting the payments that I am sending to them.

      Customer Answer

      Date: 10/17/2024

      They took $77 out of my bank account.  There is a zero balance on my account.  

      Business Response

      Date: 10/30/2024

      October 29, 2024


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

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

      To whom it may concern:

      We are in receipt of your correspondence received October 15, 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: 11/07/2024

      They have taken money out of my account again although my bill is not yet due. I have asked for a letter confirming my account has been closed and they have yet to send me the letter. 

    • Initial Complaint

      Date:10/12/2024

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I have a Aspire Credit Card which is issued through the Bank of Missouri. I have been behind, and late on some payments in the past, but I always pay. As of today my account is current and below my credit limit. I reached out to the merchant via the chat today in the portal to explain why it wasnt showing my account current and with an available balance, at which point I was made aware, the account was permanently closed on 8/11. I spoke to to *****s the first ***** told me it was closed 7/11 and I was made aware via email on July 11th, which is untrue, and the second ***** told me 8/11 and that I was sent a letter which is untrue. The account still shows an active status, and shows the card active in the portal. They refuse to reinstate the account although I have over 20 emails from them telling me what to do to reinstate my account to a current status. I understand Im responsible for whatever amount is owed regardless if the account is closed or not, however this is bad business and a terrible credit card company! I wouldnt reccomend anyone get this card. The ***** left the call telling me to reapply. I shouldnt have to I already have an account!

      Business Response

      Date: 10/25/2024

      Hello,

      Please see the attached response.

      Thank you,

    • Initial Complaint

      Date:10/11/2024

      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.
      Subject: Identity Theft Complaint Fraudulent Account with TBOM/CONTFIN To Whom It May Concern,I am writing to file a complaint regarding a fraudulent account reported on my credit report with ****/CONTFIN. I am a victim of identity theft, and this account does not belong to me.Account Details:Creditor Name: TBOM/CONTFIN Date Opened: 12/01/2018 Account Number: **********Higher Credit: $633 I have never opened this account, nor have I authorized anyone to do so on my behalf. This fraudulent account is negatively impacting my credit score and financial standing. I have already reported this incident to ***************** and have taken steps to dispute this account with the credit bureaus.I kindly request that ****/CONTFIN conduct an investigation into this matter and remove this account from my credit report. Additionally, I would appreciate any assistance the BBB can provide in facilitating a resolution.Thank you for your time and consideration.

      Business Response

      Date: 10/25/2024

      Hello,

      Please see the attached response.

      Thank you,

    • Initial Complaint

      Date:10/07/2024

      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.
      Good Day TBOM. I have a Milestone Card/TBOM. I previously received a settlement offer but it expired. I am reaching out because I cannot afford the previously expired settlement offer. I am a disabled retiree, on fixed income, and head of household. I would like to request if I can present a settlement offer in the amount of $125 in order to settle my account in full. I am experiencing prolonged hardship due to increased healthcare expenses. I am able to make my payment at the end of October when my pension comes in. Please consider.

      Business Response

      Date: 10/22/2024


      October 22, 2024


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

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

      To whom it may concern:

      We are in receipt of your correspondence received October 8, 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: 10/23/2024

      Better Business Bureau:

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

      Customer Answer

      Date: 10/30/2024

      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: 10/30/2024

      The additional "complaint" added today, 10/30/24, is not a rebuttal to our response to the original complaint regarding the customer's Milestone account. This new communication from the customer is in regard to an entirely different account, and a new case should be entered for it.
      Thank you.

    • Initial Complaint

      Date:09/30/2024

      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.
      This involves the credit card issued by this bank, Aspire Credit Card. Payment are NOT being applied to this account when the payment is being made. Automated system states payment issued for the day made but applied days later. Everything about this card is horrible.

      Business Response

      Date: 10/15/2024

      Hello,

      Please see the attached response.

      Thank you,

      Customer Answer

      Date: 10/23/2024

      What a joke, they sent a letter to me with useless information and you deem the matter closed. The BBB is just another useless organization.

      Customer Answer

      Date: 01/31/2025

      The Bank of Missouri is the issuer of Aspire Credit Card and they are violating The Truth in Lending Act. Aspire Credit Card is not applying payments in a timely manner, not providing access to statement, not providing accurate information.

      Business Response

      Date: 02/07/2025

      February 7, 2025


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

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

      To whom it may concern:

      We are in receipt of your correspondence received January 31, 2025, 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:09/28/2024

      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 liable for this debt with TBOM/****/*******, I do not have a contract with ****/****/*******, they did not provide me with the original contract as i requested

      Business Response

      Date: 10/15/2024

      Hello,

      Please see the attached response.

      Thank you,

    • Initial Complaint

      Date:09/28/2024

      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 received a fraud notice on my credit reports from ************************************** on September 16, 2024, I called on 9-16-24 to have this removed immediately and report as fraud. On September 19, 2024, I received another email saying I was denied the credit card which I never applied for and explained this was fraud. I again called and they said they would remove from my credit reporting. I called again on September 20 and was assured this would be removed and a manager would call back. I called the 3 credit bureaus today, September 27 and it is still on my report as of today. I need this removed immediately. I will file additional complaints with the **** and local police department if this doesnt get resolved.

      Business Response

      Date: 10/09/2024


      October 9, 2024


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

      RE:
      Better Business Bureau Complaint ID: 22351953 – Steven Richard Scott

      To
      whom it may concern:

      We are in receipt of your correspondence
      received September 28, 2024, regarding the above-named individual. We are
      reviewing the consumer’s concerns, and sending a response directly to the
      consumer. Please allow 5-7 business days for the consumer to receive the
      response in the mail.

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

      Thank you.

      Customer Relations – Contract Services
      The Bank of Missouri

      Customer Answer

      Date: 10/10/2024

      Complaint: 22351953



      I have reviewed the business' response and am rejecting it because: after 3 weeks, this is still on my credit report and has not been taken off as promised.







      Sincerely,



      Steven Richard Scott

      Business Response

      Date: 10/10/2024

      We just sent the letter to the customer for mailing today, so he has not received our response yet. As stated in our previous response to the BBB, please allow 5-7 days for our response to reach the customer by mail.

      Please also be aware that once a request is sent to the credit reporting agencies, it may take them 30+ days to update the information on a consumer's credit report.

      Thank you.

       

      Customer Answer

      Date: 10/13/2024

      Complaint: 22351953



      I have reviewed the business' response and am rejecting it because:  I have had similar situations regarding to credit application fraud and it does not up to 30 days. It is done within 5-7 days.







      Sincerely,



      Steven Richard Scott

    • Initial Complaint

      Date:09/23/2024

      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.
      As per 15usc 1611 Experian TransUnion and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640.Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. I'm requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your "credit" report is an infringement of 15 usc 16922b.(2) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these ********** ************************************. ****************************. Cc Better Business Bureau. Cc State Senate. ****************************************. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. ***************************. **************************

      Business Response

      Date: 10/09/2024

      Hello,

      Please see the attached response.

      Thank you,

    Bank of Missouri is NOT a BBB Accredited Business.

    To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

    Why choose a BBB Accredited Business?

    BBB Business Profiles may not be reproduced for sales or promotional purposes.

    BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

    When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

    BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

    As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.