Total CFPB complaints
70
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 70 complaints
COMMERCE BANK — Debt Collector Complaint Profile
CFPB complaint profile across 19 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about COMMERCE BANK
- Attempts to collect debt not owed
Attempts to collect debt not owed
22 complaints
- False statements or representation
False statements or representation
15 complaints
- Took or threatened to take negative or legal action 7
Took or threatened to take negative or legal action
7 complaints
- Communication tactics 5
Communication tactics
5 complaints
- Improper contact or sharing of info 4
Improper contact or sharing of info
4 complaints
- Written notification about debt 3
Written notification about debt
3 complaints
C
Grade C · 64.8/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about COMMERCE BANK?
COMMERCE BANK has accumulated 70 total CFPB complaints across 19 states, with 24 filed in the most recent 12 months against 46 historical complaints before that window. The trailing-12-month volume represents 34.3% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "False statements or representation", narrowing to "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate against a 7% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 19 states, led by Missouri with 18 and Kansas with 15, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 64.8/100 places COMMERCE BANK in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
24
34.3% of total history
Rising ↑
States active
19
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
7%
After company response
Reputation grade
C
64.8/100 composite
Response-quality profile
How COMMERCE BANK performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 14.3%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 33.9%
Share of US states + territories with at least one filed complaint against this collector.
How does COMMERCE BANK compare to its peers?
COMMERCE BANK National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2021-05 2026-02
Top Consumer Issues
False statements or representation15 (%)
Attempts to collect debt not owed22 (%)
Communication tactics5 (%)
Improper contact or sharing of info4 (%)
Took or threatened to take negative or legal action7 (%)
Written notification about debt3 (%)
Cont'd attempts collect debt not owed2 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 15 |
| Attempts to collect debt not owed | Debt is not yours | 10 |
| Attempts to collect debt not owed | Debt was result of identity theft | 6 |
| Attempts to collect debt not owed | Debt was paid | 6 |
| Communication tactics | Frequent or repeated calls | 5 |
| Improper contact or sharing of info | Talked to a third party about my debt | 4 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 4 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 3 |
| Written notification about debt | Didn't receive notice of right to dispute | 3 |
| Cont'd attempts collect debt not owed | Debt was discharged in bankruptcy | 2 |
Where do complaints against COMMERCE BANK come from?
The states where consumers have filed the most CFPB complaints against COMMERCE BANK. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against COMMERCE BANK
Across 19 states with at least one filing
- Missouri
Missouri
18 complaints
- Kansas
Kansas
15 complaints
- Texas 7
Texas
7 complaints
- Arkansas 4
Arkansas
4 complaints
- Illinois 4
Illinois
4 complaints
- Arizona 3
Arizona
3 complaints
- Florida 3
Florida
3 complaints
- Indiana 2
Indiana
2 complaints
Frequently Asked Questions
What is the most common complaint against COMMERCE BANK? ▼
The most common issue consumers report about COMMERCE BANK is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 70 complaints filed with the CFPB.
Are complaints against COMMERCE BANK increasing or decreasing? ▼
Complaints against COMMERCE BANK are rising. The company received 24 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 C (score: 64.8/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 19 states, with the most complaints from Missouri (18 complaints).
What can I do if COMMERCE BANK is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If COMMERCE BANK violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |