Consumer complaint received 2024-03-06
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: COMMERCE BANK (CO)

Thursday, XX/XX/XXXX I had an appointment ( around XXXX until XXXX ) to see a doctor at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX. 

Wihtout disclosing what the information was for, the Coordinator there, XXXX XXXX, asked me for some of my personal information, like my social security number and date of birth. Assuming it was more medical records, I obliged. I then got an email that my credit was pulled, and an account was approved for {$9000.00} with Commerce Care. After that, XXXX explained that the credit line was meant to pay for the suggested treatment. I asked to leave, and to hold off on treatment so I can get a second opinion. XXXX persistently urged me not to leave until I solidified a treatment plan. Upon payment, the amount charged to the credit line was finally disclosed ( {$4400.00} ). After leaving and immediately getting a second opinion, I called back to refuse treatment. 
I called XXXX XXXX ( XXXX ) XXXX on : Friday, XX/XX/XXXX to discuss the cancellation of the credit line, where he promised an update by the following Monday. 
The following Monday ( XX/XX/XXXX ) I attemoted to call twice : once at XXXX, and the next at XXXX. Both calls were declined. 
On Tuesday ( XX/XX/XXXX ) at XXXX, I called again, and again it was declined. I left a voicemail asking for an update call or email if that's easier. 
No call back or email was received. 
An email was sent to XXXX ( the support contact from their website ) on Saturday XX/XX/XXXX at XXXX XXXX  stating : Hello! My name is XXXX XXXX, I went to this clinic on the XXXX of XXXX of this year. While there, an account was opened on my behalf where a lot of the information was not disclosed to me. Before I could decline, it was too late, and I was pressured into finalizing the decision without the opportunity to get a second opinion. I recently called XXXX XXXX, the " Coordinator '' there, who opened the account, because I no longer wanted to follow the treatment proposed. He urged me to reconsider. in much less professional terms, and said he would update me the following monday. I never received a call, and have called several times since, with it always going to voicemail. Before I submit a complaint with the Consumer Financial Protection Bureau, my lawyer suggested I try to contact this clinic again. I don't want this Commerce Bank credit line and I don't want to take the prescription that was suggested. Is there anything you can do to close this account before I get charged? Thank you. 
I recieved no response. 
On XX/XX/XXXX, I finally received a welcome packet from Commerse Bank, disclosing my account information. 
On XX/XX/XXXX at XXXX, I called Commerce Bank inquring about closing the account, where I was told I could not close the account myself, and had to go through the corrdinator that opened the account. Despite describing my situation, Commerce Bank explained that if I close the account, I would be liable for the {$4400.00} that was already charged to the account. 
3 more calls made to XXXX XXXX XX/XX/XXXX at XXXX, all were declined. 
I have not recieved any treatment, and do not wish to recieve treatment from this clinic.