CFPB Consumer Complaint Profile
Commerce Bank
The CFPB complaints on file trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 991
- Total complaints
- Among the highest
- 162
- Last 12 months
- 98.3%
- Timely response
- Above median
- 45
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Commerce Bank sits at #330. Its on-time response record is at the 51st percentile among companies with 100+ complaints.
- Checking or savings …
- most-complained product
- MO
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Commerce Bank vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
98.3% Higher than most higher than 51% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 118 in 2024 to 140 in 2025 (2024 → 2025).
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2012 | 31 |
| 2013 | 35 |
| 2014 | 46 |
| 2015 | 48 |
| 2016 | 51 |
| 2017 | 73 |
| 2018 | 64 |
| 2019 | 65 |
| 2020 | 70 |
| 2021 | 74 |
| 2022 | 65 |
| 2023 | 64 |
| 2024 | 118 |
| 2025 | 140 |
| 2026year in progress | 47 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Commerce Bank
The CFPB Consumer Complaint Database shows a nationwide complaint footprint for Commerce Bank, with consumers across the country filing against it. "Checking or savings account" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Managing an account" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, the timely-response measure shows how often forwarded complaints get a reply. This company's rate is at or above the industry benchmark, which suggests its intake and escalation processes are functioning as designed. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Commerce Bank: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (18.3% here).
Also handles Checking or savings account
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Commerce Bank have?
The CFPB has logged 991 complaints against Commerce Bank to date, of which 162 came in over the last 12 months.
Does Commerce Bank respond to complaints on time?
Commerce Bank's CFPB timely-response rate is 98.3%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Commerce Bank?
"Checking or savings account" draws more CFPB complaints against Commerce Bank than any other product - see the full breakdown above.
What is the most common complaint issue with Commerce Bank?
"Managing an account" is the single most frequently cited issue in complaints against Commerce Bank - see all issues and counts above.
How do I file a complaint against Commerce Bank?
You can file a complaint against Commerce Bank directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Commerce Bank?
Commerce Bank has drawn CFPB complaints from 45 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.