What is the most common complaint against Commerce Bank?

The most common issue consumers report about Commerce Bank is "Attempts to collect debt not owed", specifically "Attempted to collect wrong amount". This is based on 73 complaints filed with the CFPB.

Are complaints against Commerce Bank increasing or decreasing?

Complaints against Commerce Bank are rising. The company received 26 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Commerce Bank's reputation grade?

Commerce Bank has a reputation grade of B (score: 62.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Commerce Bank respond to consumer complaints?

Commerce Bank has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 7% of cases.

In how many states does Commerce Bank operate?

Commerce Bank has received CFPB complaints from consumers in 20 states, with the most complaints from Missouri (19 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Commerce Bank - Debt Collector Complaint Profile

CFPB complaint profile across 20 states, reputation grade B.

Compiled by PlainCollector

Attempts to collect debt not owed

26
False statements or representation

19
Took or threatened to take negative or legal action

8
Communication tactics

6
Improper contact or sharing of info

5
Written notification about debt

4

Data updated September 2026

CFPB complaint disposition

CCDB record commerce-bank Commerce Bank

Grade B · 73 CFPB filings · 99% timely · lead issue: Attempts to collect debt not owed · vol #978 · compose #2058

VOL 73
GRADE B
12MO 26
STATES 20
TIMELY 99%
DISPUTE 7%
ISSUE Attempts to collect debt n…
RANK #978
COMPOSE #2,058

Volume peers

Nearest volume peer: Abrahamsen Gindin LLC (73 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Commerce Bank's 73 CFPB complaints sit next to Abrahamsen Gindin LLC on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Filing geometry

Missouri is the plurality state for Commerce Bank (26.0%)

Volume rank #978 and composite rank #2,058 diverge by 1,080 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Missouri 26.0%; Mid-band (15–30%) · 20 states with ≥1 filing
Seasonal peak: 2014-01 11.1%; 8–15% band · 1 filings
Divergent corpus ranks: #978 volume; #2,058 composite; Cleanest-composite ladder is 1,080 places worse than volume

How does Commerce Bank compare to its peers?

How does COMMERCE BANK compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

COMMERCE BANK National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

99%

94%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-01 2023-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	26
False statements or representation	19
Took or threatened to take negative or legal action	8
Communication tactics	6
Improper contact or sharing of info	5
Written notification about debt	4
Cont'd attempts collect debt not owed	4
Disclosure verification of debt	1

Where do complaints against Commerce Bank come from?

Commerce Bank's own per-state count, not a national baseline.

Missouri

19
Kansas

15
Texas

7
Arkansas

4
Illinois

4
Arizona

3
Florida

3
Tennessee

3

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Commerce Bank: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 73.

4 peers

Know your rights before responding to Commerce Bank: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.