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

CFPB complaint data Grade C 73 complaints

Commerce Bank - Debt Collector Complaint Profile

CFPB complaint profile across 20 states, reputation grade C.

Complaints by issue type

What consumers report about Commerce Bank

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 64.8/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: Commerce Bank ranks ahead of 58% of the 5,283 collectors PlainCollector grades - 42% keep a cleaner CFPB record, on 73 all-time complaints and a 99% timely-response rate.

58th pct
reputation rank of 5,283 graded collectors
73
CFPB complaints, all-time
99%
answered inside the CFPB window
26
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Commerce Bank?

Commerce Bank has accumulated 73 total CFPB complaints across 20 states, with 26 filed in the most recent 12 months against 47 historical complaints before that window. The trailing-12-month volume represents 35.6% 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 "Attempts to collect debt not owed", narrowing to "Attempted to collect wrong amount". The company posts a 99% timely-response rate against a 7% consumer-dispute-after-response rate.

Complaints have been recorded across 20 states, led by Missouri with 19 and Kansas with 15. Normalized against the full CFPB collector database, the reputation score of 64.8/100 places Commerce Bank in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

73

low-volume (CCDB)

Last 12 months

26

35.6% of all-time complaints

Rising ↑

States active

20

multi-region footprint

Timely response rate

99%

excellent band

Consumer disputes

7%

low (vertical avg ~19%)

Reputation grade

C

64.8/100 composite

How does Commerce Bank's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

65 58th percentile higher than 58% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Commerce Bank versus the debt-collection vertical average.

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) 7.1%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 35.7%

Share of US states + territories with at least one filed complaint against this collector.

How does Commerce Bank compare to its peers?

How does COMMERCE BANK compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
COMMERCE BANK National average
Complaints (last 12 mo)lower is better
26
33
268
Timely-response ratehigher is better
99%
94%
91%
Consumer-dispute ratelower is better
7%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-01 2023-02

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against Commerce Bank

Across 20 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Commerce Bank contacts you

A grade of C signals how Commerce Bank's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Commerce Bank and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Commerce Bank ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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 C (score: 64.8/100), 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).

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

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.