Commerce Bank
Applied Insufficient fees on a closed account

A day or two prior to Thanksgiving I went to the Demun Branch on Clayton Road and specifically ask that this account be closed. The representative remembered me from the time I had opened the account, and said no problem, he would gladly close the account. After presenting my driver's license for verification, his completion of the paperwork, he then presented me with cash in the amount of $8 and some change (and said the account was closed).

A week later I started receiving statements in the mail saying items were presented for payment and being returned, and $35 fees were being applied to that account. I contacted the bank and asked why fees were being applied to a closed account, and I was told, "well the account isn't closed for 30-days after a request is made, and as long as items are not presented for payments, then they will close the account." If items are sent to the bank, they are returned however, that will cause the account to open itself, and fees will continue to apply. If these fees are not paid then they will send my account to some checkmate agency that will cause me to not be able to write checks until those fees are paid.

I've had numerous request for payments from payday loan companies, (which I had informed them in advance that Commerce Bank account was now a closed, and the funds were not available). The payday loans would continue to send their request for payments regardless, and Commerce Bank was informed of this, however, they continued to keep the account open, and continued to apply these fees to what I though was a closed account. They say I now have over $665 in fees, and they will fix it so that I can't write checks until they are paid.

I think this is illegal, unjust, and there's just no way I can pay these fees! Commerce Bank is totally out of their mind for practicing in this manner, there's just no way this can be legal! I wrote to the Manager Brian Buck and as of to-date there has been no response from him!

Company: Commerce Bank
Country: USA
State: Missouri
City: St Louis
Address: 6383 Clayton Road
Phone: 3147262255

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