Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #13439925
Complaint Overview
Complaint ID: 13439925
Company: Commerce Bank
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-Issue: Transaction was not authorized
State: Missouri
ZIP Code: 631XX
Date Received: 2025-05-09T12:00:00-05:00
Date Sent to Company: 2025-05-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXXCommerce BankXXXXRE: Formal Rebuttal & Request for Evidence Fraud Claims / CFPB Case Nos. XXXX XXXX XXXX XXXXDear Ms. XXXXThis letter is submitted in response to your repeated denials of my fraud claims related to Commerce Bank debit card transactions and to acknowledge that this matter remains unresolved, as recently confirmed in communications from the XXXX Attorney General's Office. Commerce Bank has provided no substantial documentation or meaningful justification in accordance with federal regulations.\n\nUnder Regulation E of the Electronic Fund Transfer Act (12 CFR 1005.11), I am entitled to a thorough and evidence-based investigation of the disputed transactions. Your office has failed to provide:\n- Transaction logs, timestamps, or merchant-validated receipts;\n- IP address logs, chip data, or PIN-entry validation to prove authorization;\n- Any internal communication or analyst notes substantiating your conclusions;\n- Copies of alleged attempts to contact me during the dispute process.\n\nCommerce Bank has instead issued repeated form-letter denials without any accompanying proof or explanation. This conduct not only fails regulatory standards but also disregards the additional review prompted by the XXXX Attorney Generals Office.\n\nTherefore, I am reiterating my formal demand for the following within XXXX XXXX business days:\n1. Full documentation and records used in your denial decision;\n2. Copies of any investigative steps taken, including communication logs;\n3. Merchant-side data validating the transactions as authorized;\n4. A detailed response appropriate for inclusion in my updated CFPB and Attorney General filings.\n5. All evidence so that it can be forwarded and provided to my attorney at XXXX XXXX XXXX XXXX so that legal proceeding and actions can begin against Commerce Bank on my behalf.\n\nIf you fail to respond with the requested records, I will proceed with further legal escalation through state and federal consumer protection channels.\n\nDate No. Description Debit\nXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #13439925 about?
Complaint #13439925 was filed against Commerce Bank regarding Checking or savings account specifically about Problem with a lender or other company charging your account. It was received by the CFPB on 2025-05-09T12:00:00-05:00.
How did Commerce Bank respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against Commerce Bank?
Yes, visit the Commerce Bank company profile at readthecomplaint.com/company/commerce-bank to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.