Commerce Bank Credit Card Complaint

Commerce Bank Credit card department,

Late fee North Dakota

I had set up autopay for my credit card online with Commerce Bank. On - -, Commerce showed that my payment had gone through in their system. On the - of -, I learned that the payment had been reversed. I contacted Commerce to what the situation was. I went through my routing information with them to learn that my auto pay was - digit off. The support staff was helpful and they changed my autopay routing number over the phone and then deducted the original payment as desired. My next auto pay was set to occur on - -. I logged onto my online account on - - to make sure everything was all set only to find out that my auto pay had been cancelled. I re-setup the auto pay but it said my - payment was to go in effect on - -. There were no other options to immediately pay online so I contacted Commerce support again. I stated to him exactly what had happened and that I needed to confirm that my payment would be occurring on the - of -. He assured me that it would come out the next day and I again


my payment would come out. Not believing a lick that he was telling me, I emailed customer care telling them : '' - - Original Message - -Sent : -/-/2015 -To : CBISubject : Account InformationI just wanted to leave a message for you regarding my autopay. This will serve as notice if my bank account is not debited tomorrow ( -/-/15 ) that I have indeed attempted to pay on time. On -/-/15, I logged in to confirm what date my autopay would go through. At the time, it appeared that my autopay had been cancelled so I reset it up, however, it showed that my next payment would be -/-/15. There was no other means to allow me to pay online so I contacted customer support over the phone today, -/-/15, to confirm when my payment would be made. The support specialist today me that my payment should come out tomorrow even though online it shows that my next payment is coming out on -/-/15. I asked the customer support person to make a note that I confirm my payment would be coming out tomorrow. If for some reason, it does not and Commerce charges me an overdraft fee, I will notify the CFPB and this email will be included in that complaint. I hate to be pessimistic but I am concerned as the payment online shows -/-/15. Sure enough Commerce did n't deduct my payment on the - and charged me a late fee. Additionally, I was being charged interest on a balance that should have been lower. Thus, I was fraudulently charged interest in addition to the late fee. This is horrible business practices full of deceit.