Bank · complaint record
Commerce Bank complaints
Consumers have filed 1,079 complaints about Commerce Bank since 2012, 163 of them in the last 12 months (+28% on the year before). It answered 98.8% on time and closed 0% with relief for the customer - less often than a typical bank. The most common problem is managing an account. It is the 44th most complained-about of 188 banks & credit unions this year.
Weak response record. How it works
- Complaints on record
- 1,079
- Last 12 months
- 163
- Answered on time
- 98.8%
- Closed with relief
- 0%
- Last 30 days
- 8
- Rank
- #44 of 188
Since January 2012
+28% vs the year before
Industry: 99.3%
Typical bank: 19%
Newest: Nov 3, 2026
Most complained-about banks & credit unions
Commerce Bank complaints by month
The busiest month was January 2026 (22 complaints). Complaints in the last 12 months are up 28% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Commerce Bank answered last 12 months
- Closed with explanation15192.6%
- In progress127.4%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time39/4598.8% on time
- Relief for customers0/400% closed with relief
- Complaint trend7/15+28% vs last year
What Commerce Bank complaints are about
Top Commerce Bank problems last 12 months
Inside "Managing an account"
- Deposits and withdrawals 76
- Banking errors 37
- Funds not handled or disbursed as instructed 26
- Problem using a debit or ATM card 19
- Fee problem 17
- Problem accessing account 14
Where Commerce Bank complaints come from
Most complaints: Missouri (407), Kansas (156), Illinois (102), Texas (67), Colorado (32).
Commerce Bank compared with other banks & credit unions
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Revolut TechnologiesBank accounts | 46 | 187 | D |
| 2 | Schoolsfirst Federal Credit UnionBank accounts | 54 | 185 | C |
| 3 | Arvest BankBank accounts | 58 | 175 | C |
| 4 | Zions BancorporationBank accounts | 59 | 173 | C |
| 5 | Commerce BankBank accounts | 46 | 163 | D |
| 6 | Cullen/Frost BankersBank accounts | 54 | 151 | C |
| 7 | Associated Banc-CorpBank accounts | 52 | 145 | C |
| 8 | Mercury TechnologiesBank accounts | 62 | 142 | C |
Compare side by side: Commerce Bank vs Revolut Technologies · Commerce Bank vs Schoolsfirst Federal Credit Union · Commerce Bank vs Arvest Bank · Commerce Bank vs Zions Bancorporation
What people say about Commerce Bank
All experiencesNo experiences with Commerce Bank yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Commerce Bank complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 3, 2026 | Bank accounts | Problem with a lender or other company charging your accountTransaction was not authorized | Explained |
| Oct 28, 2026 | Mortgages | Struggling to pay mortgageForeclosure | In progress |
| Oct 27, 2026 | Credit cards | Problem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statement | In progress |
| Oct 24, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | In progress |
| Oct 22, 2026 | Bank accounts | Managing an accountDeposits and withdrawals | In progress |
| Oct 21, 2026 | Credit cards | Other features, terms, or problemsProblem with rewards from credit card | In progress |
| Oct 21, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | In progress |
| Oct 19, 2026 | Bank accounts | Problem with a lender or other company charging your accountTransaction was not authorized | Explained |
| Oct 16, 2026 | Credit cards | Problem when making paymentsYou never received your bill or did not know a payment was due | Explained |
| Oct 13, 2026 | Credit cards | Advertising and marketing, including promotional offersDidn't receive advertised or promotional terms | In progress |
| Oct 9, 2026 | Credit cards | Problem when making paymentsYou never received your bill or did not know a payment was due | Explained |
| Oct 8, 2026 | Mortgages | Trouble during payment processPayment process | Explained |
Questions about Commerce Bank
How many complaints does Commerce Bank have?
Commerce Bank has 1,079 complaints on record since January 2012, including 163 in the last 12 months and 8 in the last 30 days. That makes it number 366 of every company by complaints this year.
Does Commerce Bank respond to complaints?
Yes. Commerce Bank answered 98.8% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 46/100 (grade D).
What do people complain about most with Commerce Bank?
The most common problems are managing an account (207), incorrect information on your report (56), problem with a company's investigation into an existing problem (18).
Is Commerce Bank legit?
Commerce Bank is a real company with a public complaint record: consumers have complained about it 1,079 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Commerce Bank legit? for the signals, red flags and how to protect yourself.
Are complaints about Commerce Bank going up or down?
Up. There were 163 complaints in the last 12 months against 127 in the 12 before (+28%). See every month.
How do I file a complaint against Commerce Bank?
Complain to Commerce Bank in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Commerce Bank complaints come from?
Most come from Missouri (407), Kansas (156), Illinois (102). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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