Commerce Bank Consumer Complaints
Commerce Bank has received 997 consumer complaints filed with the Consumer Financial Protection Bureau. Below is a complete breakdown by product, issue, company response pattern, and geographic distribution.
Data last updated: Apr 16, 2026Key Takeaways
- 997 total complaints on file with the CFPB.
- Most complaints are about Checking or savings account (313).
- Timely response rate: 98.3%.
- Consumer disputed rate: 18.3% of resolved complaints.
Complaints by Product
The following table shows how complaints against Commerce Bank break down by financial product category.
| Product | Complaints | % of Total |
|---|---|---|
| Checking or savings account | 313 | 31.4% |
| Bank account or service | 129 | 12.9% |
| Credit card | 128 | 12.8% |
| Credit card or prepaid card | 118 | 11.8% |
| Debt collection | 69 | 6.9% |
| Credit reporting or other personal consumer reports | 53 | 5.3% |
| Credit reporting, credit repair services, or other personal consumer reports | 50 | 5.0% |
| Mortgage | 39 | 3.9% |
| Vehicle loan or lease | 29 | 2.9% |
| Consumer Loan | 24 | 2.4% |
| Money transfer, virtual currency, or money service | 20 | 2.0% |
| Payday loan, title loan, or personal loan | 8 | 0.8% |
| Prepaid card | 6 | 0.6% |
| Payday loan, title loan, personal loan, or advance loan | 4 | 0.4% |
| Student loan | 3 | 0.3% |
| Credit reporting | 2 | 0.2% |
| Debt or credit management | 1 | 0.1% |
| Money transfers | 1 | 0.1% |
Most Common Issues
These are the specific issues consumers most frequently report about Commerce Bank.
Company Response Breakdown
When consumers file complaints, Commerce Bank responds in one of several ways. The breakdown below shows how Commerce Bank has resolved complaints.
| Response | Count | Percentage |
|---|---|---|
| Closed with explanation | 840 | 84.3% |
| Closed with monetary relief | 101 | 10.1% |
| Closed with non-monetary relief | 36 | 3.6% |
| In progress | 11 | 1.1% |
| Closed without relief | 6 | 0.6% |
| Closed with relief | 2 | 0.2% |
| Closed | 1 | 0.1% |
Complaints by State
Top states where consumers have filed complaints against Commerce Bank.
| State | Complaints |
|---|---|
| Missouri | 376 |
| Kansas | 148 |
| Illinois | 94 |
| Texas | 59 |
| Colorado | 32 |
| Arkansas | 25 |
| California | 24 |
| Oklahoma | 20 |
| Florida | 18 |
| Indiana | 12 |
| Minnesota | 12 |
| Tennessee | 12 |
| Ohio | 11 |
| North Carolina | 10 |
| New York | 10 |
| Wisconsin | 10 |
| Iowa | 8 |
| New Jersey | 8 |
| Washington | 8 |
| Louisiana | 7 |
Your Rights
What to do if you have a complaint against Commerce Bank
- Contact Commerce Bank directly. Many issues can be resolved by calling their customer service line or submitting a written complaint.
- File a complaint with the CFPB. Visit consumerfinance.gov/complaint. The company must respond within 15 days.
- File with your state attorney general. Your state AG's consumer protection division investigates patterns of complaint.
- Consult a consumer protection attorney. If you've suffered financial harm, an attorney can advise you on your legal options including potential lawsuits.
Frequently Asked Questions
-
How many complaints does Commerce Bank have?
Commerce Bank has 997 consumer complaints on file with the CFPB as of our last data refresh.
-
What is the most common complaint about Commerce Bank?
The most common issue reported is Managing an account with 193 complaints.
-
How do I file a complaint against Commerce Bank?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. The company is required to respond within 15 days. You can also contact your state attorney general or consult a consumer protection attorney.
-
Does Commerce Bank respond to complaints on time?
Commerce Bank has a 98.3% timely response rate, meaning that percentage of complaints received a response within the CFPB's required timeframe.
Source: Consumer Financial Protection Bureau — Consumer Complaint Database. Accessed April 2026.