2026 data Public-data reference Official source

Commerce Bank

1.0K consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.

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1.0K
Total Complaints
98.2%
Timely Response
0%
Disputed
14%
Relief Provided
45
States Active
2012
Since

Data updated June 2026

Timely response rate 98.2%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 14.0%
Industry median

Share closed with monetary or non-monetary relief.

Commerce Bank complaint mix by product

Total complaints: 1.0K

Commerce Bank complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 1.0K total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Checking or: 323 complaints (36.5%), resolution 10.8% Checking or 36.5% Credit card: 131 complaints (14.8%), resolution 23.7% Credit card 14.8% Bank account: 129 complaints (14.6%), resolution 36.4% Bank account 14.6% Credit card: 118 complaints (13.3%), resolution 10.2% Credit card 13.3% Debt collection: 74 complaints (8.4%), resolution 8.1% Debt collection 8.4% Credit reporting: 59 complaints (6.7%), resolution 0.0% Credit reporting 6.7% Credit reporting,: 50 complaints (5.7%), resolution 4.0%
  • Checking or 323 36.5% – 11% relief
  • Credit card 131 14.8% – 24% relief
  • Bank account 129 14.6% – 36% relief
  • Credit card 118 13.3% – 10% relief
  • Debt collection 74 8.4% – 8% relief
  • Credit reporting 59 6.7% – 0% relief
  • Credit reporting, 50 5.7% – 4% relief

How Commerce Bank's 1.0K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.

Complaints by Product

Product Complaints
Checking or savings account 323
Credit card 131
Bank account or service 129
Credit card or prepaid card 118
Debt collection 74
Credit reporting or other personal consumer reports 59
Credit reporting, credit repair services, or other personal consumer reports 50
Mortgage 40
Vehicle loan or lease 30
Consumer Loan 24
Money transfer, virtual currency, or money service 22
Payday loan, title loan, or personal loan 8
Prepaid card 8
Payday loan, title loan, personal loan, or advance loan 5
Student loan 3
Credit reporting 2
Debt or credit management 1
Money transfers 1

Top States

State Complaints
MO 389
KS 153
IL 96
TX 61
CO 32
AR 26
CA 24
OK 22
FL 19
OH 13
TN 13
IN 12
MN 12
NY 10
NC 10
WI 10
WA 8
NJ 8
IA 8
LA 7

Top Issues

Issue Complaints
Managing an account 199
Account opening, closing, or management 54
Incorrect information on your report 52
Opening an account 39
Problem with a purchase shown on your statement 38
Problem with a lender or other company charging your account 32
Getting a credit card 32
Other features, terms, or problems 31
Managing the loan or lease 29
Improper use of your report 28
Problem caused by your funds being low 27
Deposits and withdrawals 27
Problems caused by my funds being low 27
Closing an account 25
Attempts to collect debt not owed 25
Closing your account 23
Problem when making payments 22
Problem with a credit reporting company's investigation into an existing problem 22
Fees or interest 20
False statements or representation 19

Yearly Trend

Year Complaints Timely
2012 31 96.8%
2013 34 97.1%
2014 46 93.5%
2015 48 91.7%
2016 51 100%
2017 73 98.6%
2018 64 100%
2019 65 100%
2020 70 100%
2021 74 100%
2022 65 100%
2023 64 96.9%
2024 118 97.5%
2025 140 98.6%
2026 85 98.8%

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the CFPB Record Shows About Commerce Bank

Commerce Bank's 1,028 logged complaints reach a nationwide footprint - 45 states have at least one filing on record. Only 37.2% of filings carry a written consumer narrative, so most of this record is coded categories rather than the verbatim complaint text. Records run from 2012 through 2026-06-24.

Commerce Bank answers 98.2% of complaints inside the CFPB's tracked window and closes 84.5% with a written explanation. 14% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Checking or savings account" draws the most filings, most often for "Managing an account."

A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Commerce Bank.

Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.

Frequently Asked Questions

How many CFPB complaints does Commerce Bank have?

1,028, per the CFPB's public complaint count for this company (see the full breakdown above).

Does Commerce Bank respond to complaints on time?

98.2% of the time, measured against the CFPB's 15-calendar-day response window.

What is the most common complaint about Commerce Bank?

"Managing an account", filed under the "Checking or savings account" category - see the issues and products tables above for the full ranking.

Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.