Consumer complaint received 2019-08-09
Company: COMMERCE BANK
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Regard : Commerce Bank Credit Card. 
Subject : Knowing, Willing, and Intentional False reporting by Commerce Bank Credit Card  for the purpose of defrauding and causing irreversible damages to credit score. 
Commerce Bank Bank- cc # XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX Note : Complaints against XXXX and XXXX will be following. 
Hi, Between XX/XX/XXXX to XX/XX/XXXX, while I had no activated Credit Card, Commerce Bank credit card 's customer service refused to accept my payment on the phone. However, Commerce Bank Credit Card Company reported my account delinquent to all the credit reporting agencies severely damaging my credit score, and charged me fees and interests, while I had no active card because I was waiting for the replacement card. 
1. In or about XX/XX/XXXX, I called Commerce Bank and requested to cancel my " current '' credit card ending with XXXX because of fraudulent activities. Commerce Bank agreed, canceled my credit card ending with XXXX, and initiated sending me the first replacement card ending with XXXX, which I neither received nor activated. Last week I found out the credit card ends with XXXX. 
2. I repeatedly called Commerce Bank customer service inquiring about the 1st replacement card, and tried to make payments. But, Commerce Bank refused to accept any payment because the 1st replacement card is not activated and Bank can not accept payment ( s ) on the closed card ending with XXXX. Furthermore, Customer service promised not to charge my account late fees or report it delinquent. 
3. However, without my knowledge, and illegally, Commerce Bank reported my credit card account as a delinquent account and caused damages to my credit score. The  reporting is Federal Wire Fraud.

4. On or about XX/XX/XXXX, I called Commerce bank and requested a second replacement card because I did not receive the 1st replacement card ending with XXXX. 
5. Commerce Bank issued and sent me the 2nd replacement card ending with XXXX. 
6. In XX/XX/XXXX, I received the 2nd replacement card ending with XXXX. Therefore, I activated my 2nd replacement card ending with XXXX. 
7. I found out that Commerce Bank reported my account delinquent causing damages to my credit score by lowering score. 
8. Furthermore, Commerce bank charged my account late fees and refused to remove all the late charges. Therefore, Commerce Bank committed theft. 
9. Furthermore, Commerce Bank charged my account interest fees. 
10. I have stated that with the credit reporting agencies, XXXX, and XXXX but to no avail because TXXXX and XXXX are not impartial agencies, therefore, they denied me the avenue to upload any documents and refused to listen and write all that I need to state in my dispute. 
11. Furthermore, XXXX  and XXXX do not send me the response of the creditors if any. 
12. Moreover, XXXX  and XXXX  consider and believe all the creditors are XXXX and their reports are holy XXXX, while all the consumers are XXXX unless proven otherwise, but XXXX and XXXX  do not afford the consumer like me the opportunities to prove that the creditors are the XXXX. 
Therefore, Commerce Bank Committed many Federal offenses for its fraudulent reportings herein that amounts to Wire Frauds Title 18, United States Code, Section 1343, 2 and 3551 et seq. Bank Frauds Title 18, United States Code, Section 1334, 2 and 3551 et seq. Conspiracy to commit Bank Fraud contrary to Title 18, United States Code, Section 1334. 
Attachments : Statements of credit card ending with XXXX, and credit card ending with XXXX.

Company response to consumer: Closed with explanation