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Data / Consumer complaints / Commerce Bank

Commerce Bank: 400 CFPB consumer complaints in the last 3 years

Commerce Bank drew 400 consumer complaints in the CFPB database in the three years to November 6, 2026, and 1,076 since 2012. The largest group, 145, was about checking or savings account, and the most common issue was “Managing an account” with 82. The company responded on time to 98.2% of the complaints, and 3.0% closed with monetary or other relief. The CFPB records the company as COMMERCE BANK.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

Watch this company's complaintsGet every checking or savings account companyGet checking or savings account in Missouri
  • 400Complaints, last 3 years
  • 1,076Complaints, all years
  • 98.2%Responded on time
  • 3.0%Closed with relief
  • 10Products
  • Oct 24, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 6133
2025140
2024118
202364
202265
202174
202070
201965
201864
201773
201651
201548
201446
201334
201231

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

ProductComplaintsShare
Checking or savings account14536.2%
Credit card9223%
Credit reporting or other personal consumer reports6215.5%
Debt collection4110.2%
Vehicle loan or lease184.5%
Mortgage153.8%
Money transfer, virtual currency, or money service123%
Prepaid card92.2%
Payday loan, title loan, personal loan, or advance loan51.2%
Debt or credit management10.2%

Issues

IssueComplaintsShare
Managing an account8220.5%
Incorrect information on your report338.2%
Problem with a lender or other company charging your account215.2%
Other features, terms, or problems205%
Problem with a purchase shown on your statement194.8%
Attempts to collect debt not owed184.5%
Closing an account184.5%
Problem with a company's investigation into an existing problem184.5%
Improper use of your report174.2%
Opening an account164%
Fees or interest133.2%
False statements or representation123%
Getting a credit card92.2%
Problem when making payments92.2%
Advertising and marketing, including promotional offers82%
Closing your account82%
Fraud or scam82%
Problem caused by your funds being low82%
Managing the loan or lease71.8%
Applying for a mortgage or refinancing an existing mortgage61.5%
Problems at the end of the loan or lease61.5%
Took or threatened to take negative or legal action51.2%
Trouble during payment process51.2%
Trouble using the card51.2%
Repossession41%

How the company responded

Company responseComplaintsShare
Closed with explanation37794.2%
Closed with monetary relief112.8%
In progress112.8%
Closed with non-monetary relief10.2%

States

StateComplaintsShare
Missouri14937.2%
Kansas6015%
Illinois389.5%
Texas358.8%
Oklahoma133.2%
Colorado92.2%
Florida92.2%
Arkansas82%
Tennessee82%
Idaho61.5%
New Jersey61.5%
Indiana41%
Minnesota41%
North Carolina41%
Nebraska41%
Wisconsin41%
Wyoming41%
California30.8%
Kentucky30.8%
New York30.8%
Ohio30.8%
Pennsylvania30.8%
Arizona20.5%
Iowa20.5%
Louisiana20.5%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
October 24, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
October 22, 2026Checking or savings accountManaging an accountIn progressconsumerfinance.gov
October 21, 2026Credit cardOther features, terms, or problemsIn progressconsumerfinance.gov
October 21, 2026Debt collectionTook or threatened to take negative or legal actionIn progressconsumerfinance.gov
October 19, 2026Checking or savings accountProblem with a lender or other company charging your accountClosed with explanationconsumerfinance.gov
October 16, 2026Credit cardProblem when making paymentsClosed with explanationconsumerfinance.gov
October 13, 2026Credit cardAdvertising and marketing, including promotional offersIn progressconsumerfinance.gov
October 9, 2026Credit cardProblem when making paymentsClosed with explanationconsumerfinance.gov
October 8, 2026MortgageTrouble during payment processClosed with explanationconsumerfinance.gov
October 7, 2026Credit cardFees or interestIn progressconsumerfinance.gov
September 26, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
September 25, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
September 17, 2026Checking or savings accountManaging an accountIn progressconsumerfinance.gov
September 16, 2026Prepaid cardTrouble using the cardIn progressconsumerfinance.gov
September 15, 2026Credit cardTrouble using your cardIn progressconsumerfinance.gov
September 13, 2026Checking or savings accountClosing an accountClosed with explanationconsumerfinance.gov
September 7, 2026Credit cardProblem when making paymentsClosed with explanationconsumerfinance.gov
September 4, 2026Checking or savings accountClosing an accountClosed with explanationconsumerfinance.gov
September 4, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 4, 2026Checking or savings accountProblem with a lender or other company charging your accountClosed with explanationconsumerfinance.gov
September 4, 2026Credit cardProblem when making paymentsClosed with explanationconsumerfinance.gov
September 3, 2026Credit cardOther features, terms, or problemsClosed with explanationconsumerfinance.gov
September 2, 2026Credit cardOther features, terms, or problemsClosed with explanationconsumerfinance.gov
September 1, 2026Checking or savings accountProblem with a lender or other company charging your accountClosed with explanationconsumerfinance.gov
August 25, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
August 19, 2026Checking or savings accountClosing an accountClosed with explanationconsumerfinance.gov
August 16, 2026Credit cardProblem when making paymentsClosed with explanationconsumerfinance.gov
August 6, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
August 6, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
August 5, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
August 2, 2026Credit cardProblem with a purchase shown on your statementClosed with explanationconsumerfinance.gov
July 30, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
July 30, 2026Checking or savings accountClosing an accountClosed with explanationconsumerfinance.gov
July 29, 2026Credit cardGetting a credit cardClosed with explanationconsumerfinance.gov
July 28, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
July 27, 2026Credit cardProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
July 24, 2026Vehicle loan or leaseManaging the loan or leaseClosed with explanationconsumerfinance.gov
July 24, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
July 23, 2026Checking or savings accountProblem with a lender or other company charging your accountClosed with explanationconsumerfinance.gov
July 15, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 15, 2026Checking or savings accountProblem with a lender or other company charging your accountClosed with explanationconsumerfinance.gov
July 10, 2026Vehicle loan or leaseProblems at the end of the loan or leaseClosed with explanationconsumerfinance.gov
July 8, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
July 7, 2026Money transfer, virtual currency, or money serviceProblem with customer serviceClosed with explanationconsumerfinance.gov
July 6, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
July 1, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
June 29, 2026Checking or savings accountClosing an accountClosed with explanationconsumerfinance.gov
June 23, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
June 18, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
June 16, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.