Bank of Missouri
Reviews and Complaints

Not consumer helpful or friendly. Refused to correct charges to my credit card that were a result of stolen identity.

Very awful customer service, fraud charges are not handled properly and left to the customer to pay even though others on the same day were reversed yet these somehow were also not fraud. Over a month and a half of people telling me it would be resolved just to find out it was closed 20 plus days before and i owe it cause they looked at IP addresses. Shady *** and fraudulent business practices!

I applied for a credit card with them and was offered a $300 limit if I made a $300 security deposit. The fees were outrageous and the apr was extremely high, so I decided not to take the offer and never made the deposit. Therefore, I NEVER had an active account with them. Come to find out, now that I'm actively working on my credit, they reported the account as a derogatory *** on my credit report! This company is shameful!

I contact this business because my credit card is reporting this bank on my credit report, but the representative couldn't provide any information. I explain that they are listed under the Bank of Missouri on my report and inquire if they are related. The representative denies any connection. Further investigation reveals inconsistencies with the credit card account. Despite having the card for two years, my questions remain unanswered. After a call ends abruptly, I visit Complaintsboard.com to post a review. By the next day, the company's listing had vanished, signaling that something was amiss.

Aspire credit card issued by bank of Missouri is complete trash I called numerous times and even did the texting with their agents to try and just get extended time to pay off my *** they said they have no hardship programs and gave me numbers to collections agencies to try and make payment arrangements which they do not do. They also left me on hold each call never coming back also on text they never returned. Its very unprofessional and completely rude I wish I had never gotten involved with this company I am trying to avoid any late fees and getting no answers from anyone or anything don't get involved with Aspire or any cars through Bank of Missouri they will leave you stranded if you have a problem.

I was deceived by this company when I accepted a pre-approval for a *** credit card. No where does this card or any of the documents from the company disclose that you cannot use the credit card to pay for gas at the pump. This would be key to disclose to all customers especially those like me who live in New Jersey where it is illegal to pump you own gas, where you have to give your card to the attendant. Also, when I confirmed my pre-approval I was told my credit limit was one thing even have a screenshot of it, it is interesting to find that when I received the actual card my credit limit was different, especially since I hawk over my credit which has not changed. When I spoke to a customer service rep and her manager about these issues they both had completely conflicting information.

I had this acct with another one two diffrent banks jan 12 2017 disputed them as fraud i had no knoledge of accts my mom passed away 2020 i found my info two cc in her purse she used my phone 3am and had guts use my debit card also i filed fraud at vcb bank i was told dispute cc and bills came my address yes it did she lived me 20 yrs she had pill problem did this her parents my dad now me it went so far with this bank 2wks before her death they made payment arrangments with her i dont sound like woman so how this happen i started recieving thrats garnishing my ssd check im disabled vet i also had 3rd party come my house and even go my neighbors saying ill be getting my car repo and dont have payments told my neighbor i dont pay my bills one day threatend so bad kept online till policeofficer got on phone listend i got calls 530am and midnight over yr finnally called *** try resolve before went hearings customer service kept saying dont worry fraudalant be removed just need pay fee to have it removed my 3 repirts nothing happend now if i call give my name number hang up i have called consumor protection agency fraud .gov federal trade nowand for ne have federal reserve pick it up this kicker i do buisness with this bank i have two accts opened 2018 if i have chargeoff accounts why keep giving me more accts because wasnt mine i am humble feel some bad apples not bad tree i actually like this bank but my mom and them ruined my credit to let this happend i will go on all sites and if cannot resolve go court sur for damages attourney fees harrassment and more i want what was agreement that fraud be acct to 0 and i paid fee to have it removed this ruined my credit 200bpts im disabled never get it back how can they ever make it right

I received vague statements from a company, which did not specify their purpose. On April 15th, I contacted their customer service to inquire about the origin of these charges. They couldn't identify the company I might have purchased from, as they represent multiple companies. Despite providing images, the statements lacked a company name. I expressed concern about the impact on my credit and was transferred multiple times before someone provided a transaction number. They directed me to a phone number, but after a long wait, no one responded. Over time, dealing with family illness and COVID-19, the issue persisted. Upon contacting the company again, a representative named Joanne was unable to assist. Further calls led to more transfers and no resolution. The company closed my account for non-payment, threatening my credit score. They failed to provide proof of connection to the charges, only stating I owed $800, plus late fees, interest, and additional charges. I remained on hold, wary of previous scams during the pandemic, reluctant to pay without evidence.

We deposited two checks into an account at the location in Bolivar, MO, and they placed a hold on the entire account, not just the money being deposited, but the entire account and all other funds in the account. This was on Friday, 02/25/2022 that they placed the account on hold. On Saturday we spoke to a CSR, and they said the entire account was put on hold to verify the funds in the accounts writing the checks, and they were holding the entire account. One check was written from another Bank of Missouri account, so they said that would be available in two business days on Tuesday 03/01/2022, but the other one was from an outside account and they would be holding those funds for until Friday 03/04/2022, and we would not have access until Monday, 03/07/2022. Flashforward to Tuesday 03/01/2022, the account is still on hold. And now they are saying that the account will not be moved off of hold until both checks are verified and cleared. Which seems kind of shady, even if you are still holding the second check, the other funds should be released. What is also strange is that the accounts that wrote both checks shows that the checks have already been cleared from their accounts, so where is the money? And what gives Bank of Missouri the right to hold ALL FUNDS due to a check deposited? Does Bank of Missouri plan to pay all the late fees for the bills that we aren't able to pay until 03/07/2022 (assuming they even unlock it then) because they have locked the account? They said they help the checks because there were not enough funds in the depositing account to cover the checks. But is that not the point of getting paid? Shouldn't it only matter if there are enough funds in the account writing the check? Honestly this just seems like another way to punish poor people and to keep them poor. And it's very shady business practice, and more accountability is needed.

I have a Total Visa Card with this bank. I had fraudulent charges on my account that started on 1/24/2022. I called and reported this and they adv they would investigate and send me a new card. Which they did, I adv during my phone call that the following charges were fraud. *** 2.00 *** 148.68 *** 21.83 *** 105.44 *** 8.18 *** 15.00 Before the fraud, I had a zero balance on my account. They advised me of the time frame to review so I stopped using the card all together. They told me to complete the dispute paperwork for each charge which I did and it was faxed to them on 2/4/2022. So I started checking about the status a week or so ago. I was told by a CSR that it appeared the investigation was complete but he would have someone follow up with me. No one ever followed up or called like I was advised they would. I did get a letter dated 3/21/2022 saying they had completed the investigation and determined that I was not responsible for the charges and my account would be reflected to show the credits. I logged into account and called in and charges still showing and NOT credited. I was told they only gave credit for 4 of the 6 charges and that they didnt get paperwork for the other two charges to dispute. I adv paperwork for all 6 submitted on same day so was odd they got the other 4 but not all 6. They then advised me that I would have to submit another dispute for the two that they allege they didn't get. So then I asked for a Supervisor because even the 4 charges they did get and approve they had not credited back to my account yet. The supervisor advises me that he dont have any information and dont know why not credited and to send paperwork for the missing ones. I resubmitted the paperwork again 3/30/22 and even as of today 3/31/22 I have not received credit on the other 4 that they are saying were approved. Every time I call no one can tell me anything.

This name is showing up as a collection on my credit bureau. I've never done business with this bank before. I've never had a credit card in this name as well. I repeatedly tried to dispute this on all credit bureau's without success out success of getting it removed removed. Each time they say that they have met the requirements yet nobody can tell me what this debt is for.. There is no detailed information on the account account. There is no date of opening except for August. I definitely know that I did not open up an account in that time frame with anybody, bank credit card or otherwise around that time. I was going through a very intense custody battle and was very ill, I'm still very ill. I was a victim of identity theft by my ex husband in 2018, in which he opened up a bank account in my name And it was turned over to tell a check. I just recently found out about this and had to fix that. If anything else has been done as a result of this act, I need to know about it immediately. All I do know is I've never done business with this company I've never opened up a bank account or a credit card or anything else with this information on it. They have never provided any documentation of any kind when when I have disputed with the credit bureau's. If there is any kind of statements or anything related to this account, they needed to provide them. On my credit report there is no detailed information whatsoever in the credit file. There is no payment history, amt, date, etc..there is no credit limit, there is no credit history, there is no Banking account information or loan information, Loan amount, Activity, Late pays. You can't just report this as a collection and say ok, you owe this debt and that's it, it's yours, deal with it. No explanation whatsoever that, it's yours, no proof. If I say it isn't mine, then it isn't. I Have been trying to clean up my credit for 2 yrs now. I need this off. I'm about to buy a new home. Please help.

My name is [Redacted], and I am writing this letter concerning a particular account. This account was opened on 06/04 and later charged off in January according to my Experian Credit Report. I fell behind on the payments due to a hardship and during that time the account was sold to a third party and then sold again to the current creditor. I settled this account on 10/11. I have disputed this account with Experian in November and again in March 2022 to have the credit report updated from charged off to paid charged off and to also remove the charge off status for the respective months. This error has caused my credit score to drop more than 19 points. I have made several calls to the creditor and to the Bank of Missouri to find out why this is still reporting as unsettled. I was informed that I must contact the Bank of Missouri as they are the ones reporting to Experian. After a three-way phone call with both companies, the supervisor from the Bank of Missouri's call center advised me to write a letter to the address in the heading of this letter. According to the Fair Credit Reporting Act, it is illegal to report an account as charged off after it has been settled. I am requesting that your company remove the charge off status for the months of November and March 2022 and update the account to a paid charged off status. I would also like a response to my address, which is included below. I have enclosed a copy of the settlement letter with the current creditor.

The above financial institution holds my mortgage. I closed on Monday, January 31, 2022. At closing I signed a form to have my mortgage come directly out of my Bank of America account, which would come due on 3/1/22. On Wednesday, 2/9/22, I received an email from ***, Mortgage Loan Representative, stating that the form I signed at closing was not correct (even though she was the one who sent it to the Title Co.). She stated that she had attached a new form and requested me to sign it. I immediately signed it, scanned it and emailed it back to her. At approximately 5 a.m. this morning I get an alert from my BOA that my account is very low. I sign into my account and find that The Bank of Missouri has taken out my mortgage payment instead of when it was due on 3/1/22. I immediately retrieve the form I signed yesterday. Signed the bottom portion of the form which revoked my authorization/scanned it/ typed a letter stating that I am rescinding my authorization based upon the fact that they took out my payment exceedingly early and email them both to ***. She sends me an email stating that she's sorry that happened and that she notified the department and did I still want to revoke my authorization. I responded yes. At approximately 11:30 a.m. I signed into my BOA account to set up a payment for my mortgage on 3/1/22, only to find that The Bank of Missoui had hit my account again for another mortgage payment. Thus resulting in $75.00 in overdraft fees as well as $739.10 in mortgage payments that aren't even due. I had already rescinded my authorization, but yet they took this money from my account. I sent *** another emal return my money. She replied that, "How would you like your money back?" Do you want it deposited into your Bank of Missouri account or we can send you a check? I replied I wanted it returned to my BOA account by the close of day or I would file a formal complaint. *** then called me and asked if they had all the money (2

HORRIBLE CUSTOMER SERVICE! I have yet to receive my card because they shipped to an old address. So I reach out once approved and noticed it was going to an old address. I called in spoke to an agent who one took initial fee of $89 that was due and the address needed for the card (entered incorrectly). Next I receive a bill, remind you I still don't have a card. So I reach out again, this agent tells me that the new card is going to the CA address. He stops this card/cancels and advise a new one will be sent. He verified the address and at that time is when I was told the previous agent had the incorrect address. We verify the address again. He tells me it will take up to another 10-14 days before the card is received. Well in that time a card was received but it was the card that was shipped to CA but forward to me here. Now what is odd is the forward was not done by the Post office (yellow sticker with new addres) it was done within the company. So in reality, the card didn't need to be canceled as all the corrections were done within the company. The company is just behind, not enough staff or just don't care at all. So I called today 12/29 to follow up & see if the card I had correct. The card received was the cancelled card. Called today the agent was very nice but had issues so I asked to speak with a Supervisor. Was transfered to a Steven(shouldn't be a Supervisor). He was very curt, rude and didn't care. Just pay! Asked him the status & I was told that the new card will not be issued because my account is past due. Now here is my issue. How is my account past due for a card I don't have. It didn't take the bank 2 month to accept my payment but it's take over 2 months to receive my card. Like my family had no holiday behind this mess. I was told that no card will be issued until my account is caught up. NOT FAIR. All the staff needs to be trained again. I work in CS as a lead and this service -HORRIBLE I want my card expediated, credit increase

I have been a card holder of FIT Credit Card, it is backed with The Bank Of Missouri. On June 30 my card received fraudulent transactions. There were 10 $20 charges to a Company that I have never heard of. I didn't see any of this until around July 5-7, 2020. I called Customer Service ASAP and reported these charges. The C/S Agent from FIT told me that they had seen these transactions and subsequently CLOSED THAT CREDIT CARD AND ISSUED ME A NEW CARD. They said I don't have to worry about those charges they will be taken off my Credit Card within 30 days. I said Great and hung up. I have called several times asking why these charges are still showing that I owe them and I am assured that an investigation is under way. I called them back apx 15 days later to say that I never received the new card. But that I showed all the new info online with those fraud charges showing that I owe them. I again spoke to C/S who got a Manager involved and they assured me that this will be taken care of and not to worry. I called at the end of July since the website still showed that I owed the money and that I need to make a payment on my act by 8/8. I TOLD THEM I WILL NOT BE SENDING ANY FURTHER MONEY IN TO THEM SINCE MY CREDIT CARD WAS TOTALLY PAID OFF AND I HADN'T USED IT. THEY WERE TO ISSUE ME YET ANOTHER CARD WITH I RECEIVED ON SAT. 08/08. AND ALL OF THE FRAUD CHARGES HAVE BEEN MOVED TO MY NEW CREDIT CARD AS WELL! I STARTED TO ACTIVATE THIS CARD UNTIL I LISTENED TO THE INFO WHEREBY IF I ACCEPTED THIS NEW CARD I WOULD BE BILLED $99 A YEAR AND MONTHLY FEE'S AND THE LIKE. SO I NEVER ACTIVATED IT. I AGAIN CALLED THE C/S NUMBER AND WAS ON THE PHONE YET AGAIN FOR OVER AN HOUR AND A HALF. ALL OF MY CALLS TO THIS COMPANY ARE AT LEAST AN HOUR LONG EACH TIME! THEY TOLD ME THAT MY CARD IS BEING INVESTIGATED AND THAT THEY COULDN'T HELP ME. I HAVE TO WAIT UNTIL IT HAS BEEN ASSIGNED TO A PERSON OR DEPT. THAT DOES THEIR FRAUD CLAIMS OR SOMETHING LIKE THAT. NO ONE KNOWS WHAT IS BEING DONE TO GET MY ACT. BACK TO THE GREAT STANDING I HAD. SO I TOLD THEM I WAS FILING A CLAIM AGAINST THEM WITH THE Complaintsboard.com AND I HUNG UP! I FIND THIS TO BE INEXCUSABLE! AS EACH TIME I CALLED I WAS ASSURED THAT THEY WERE INVESTIGATING THESE CHARGES. TODAY THEY TOLD ME TO CALL THE COMPANY THAT PLACED THE CHARGES AND I SAID, "NO WAY! I DIDN'T WANT SOME RANDOM FAKE PLACE TO KNOW ANYTHING ABOUT ME!" IT IS THEIR DUTY TO INVESTIGATE!

I am in receipt of your unsigned letter of July 21 (copy enclosed). Again, you demand payment on an account that doesn't belong to me. Since you have not complied with my numerous requests for a detail of the charges of this alleged account, I'm beginning to believe that you don't have the record of this account or any of the details of the charges that makes up the total amount you are asking me to pay. Your letter lists the areas of investigation: A. Account history (merchants, services and goods purchased). Who are the merchants and what were the services and goods purchased? Since this is allegedly my account why not comply with my 16 requests for a detail of these items? B. Purchase location in relation to the address on file. Why not tell me where locations are, as I have requested numerous times? C. And/or payments made to account. Why not tell me about these payments? I have contended from the beginning of this nightmare that I have never knowingly made a payment on this alleged account. D. Statements. Since I have never received a statement on this account, what do the statements say? Since you presumably record every conversation with every customer you speak with, you can prove that I ordered this account orally or that you have a written or printed record of my order. I would ask you now why would any customer of Ollo order a second account when he or she already has an Ollo credit card? Now that you have been attacking my credit, I have completed a search of all my paid receipts and everything in my Ollo file. To my amazement, I have been billed by your company on not only two account numbers but on three in the recent past: the last four numbers of the three account numbers end in ***, *** and ***. Will I now receive a monthly bill on this third number? In view of my assumption of your possession of an oral or written record of all agreements with your customers, I now add to my requests for copies of all past statements on this account and that you provide me with copies and/or receipts of any agreements with me in your possession. Gentlemen, this matter has been ongoing for months now. It could have been resolved long before now as had you only provided me with copies of the statements on this account, showing the charges made to it from it's inception to date...as I requested 16 times. I would like to get on with the rest of my life. I look forward to hearing from you.

Dear Customer Service Team, I have been trying to get the Bank of Missouri to report my replacement card for 8 months. I just got off the phone with the Account Manager. Please review the notes, since the new replacement card was sent to me it has not reported to any of the 4 major credit agencies. I have pulled my reports from all credit reporting companies, and as of today there is nothing that shows up. As recently I disputed the old card with an incorrect balance and you deleted that account but did not replace it with the new card. You have my authorization to pull all reports from all credit agencies so you can see that it is NOT reporting. Please get this resolved as it is impacting my ability to purchase a house. Please call me and send me an email on how and when you get this resolved. Regards, Customer Fri, Sep 4, 8:22 PM (13 days ago) Thank you for your recent inquiry. Please contact Customer Service with any further questions or concerns. Thank you, Card Services From: Customer Fri, Sep 4, 8:25 PM (13 days ago) to info Contact customer service for what. Fix it and read the email. What is the resolution? Customer service manager said to send this email. Again, when will this be fixed? On Thu, Sep 3, 2020, 4:54 PM Customer wrote: Dear Customer Service Team, I have been trying to get the Bank of Missouri to report my replacement card for 8 months. I just got off the phone with the Account Manager. Please review the notes, since the new replacement card was sent to me it has not reported to any of the 4 major credit agencies. I have pulled my reports from all credit reporting companies, and as of today there is nothing that shows up. As recently I disputed the old card with an incorrect balance and you deleted that account but did not replace it with the new card. You have my authorization to pull all reports from all credit agencies so you can see that it is NOT reporting. Please get this resolved as it is impacting my ability to purchase a house. Please call me and send me an email on how and when you get this resolved. Regards, Customer Mon, Sep 14, 10:21 AM (3 days ago) to info Still no one has followed up with me. What is the status? On Fri, Sep 4, 2020, 8:25 PM Customer wrote: Contact customer service for what. Fix it and read the email. What is the resolution? Customer service manager said to send this email. Again, when will this be fixed? On Thu, Sep 3, 2020, 4:54 PM Customer wrote: Dear Customer Service Team, I have been trying to get the Bank of Missouri to report my replacement card for 8 months. I just got off the phone with the Account Manager. Please review the notes, since the new replacement card was sent to me it has not reported to any of the 4 major credit agencies. I have pulled my reports from all credit reporting companies, and as of today there is nothing that shows up. As recently I disputed the old card with an incorrect balance and you deleted that account but did not replace it with the new card. You have my authorization to pull all reports from all credit agencies so you can see that it is NOT reporting. Please get this resolved as it is impacting my ability to purchase a house. Please call me and send me an email on how and when you get this resolved. Regards, Customer Sep 15, 8:32 PM (2 days ago) Thank you for your recent inquiry. Please contact our Credit Department for assistance. Contact customer service for what. Fix it and read the email. What is the resolution? Customer service manager said to send this email. Again, when will this be fixed? On Wed, Sep 16, 9:47 AM (23 hours ago) to info They cannot help me, they only handle new applications. On Tue, Sep 15, 2020, 8:32 PM Customer wrote: Thank you for your recent inquiry. Please contact our Credit Department for assistance. Thank you, Card Services From: Customer Sent: Friday, September 4 7:25 PM To: Subject: Re: CREDIT REPORT ISSUE 8 MONTHS 9.3.2020 This email is from an external sender. Contact customer service for what. Fix it and read the email. What is the resolution? Customer service manager said to send this email. Again, when will this be fixed? On Thu, Sep 3, 2020, 4:54 PM Customer wrote: Dear Customer Service Team, I have been trying to get the Bank of Missouri to report my replacement card for 8 months. I just got off the phone with the Account Manager. Please review the notes, since the new replacement card was sent to me it has not reported to any of the 4 major credit agencies. I have pulled my reports from all credit reporting companies, and as of today there is nothing that shows up. As recently I disputed the old card with an incorrect balance and you deleted that account but did not replace it with the new card. You have my authorization to pull all reports from all credit agencies so you can see that it is NOT reporting. Please get this resolved as it is impacting my ability to purchase a house. Please call me and send me an email on how and when you get this resolved. Regards, Customer CONFIDENTIAL COMMUNICATION: This email and any attachment may contain information that is privileged, confidential or protected from disclosure. If you suspect you received it in error, please notify us and destroy this email.