Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with COMMERCE BANK (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: To whom  It May Concern : I   XXXX   XXXX   am filing a complaint again st the entity of Commerce Bank  of address   XXXX   XXXX   XXXX    XXXX    XXXX , MO  XXXX , regarding there atrocious handling of an account that I have been disputing since  XXXX ,   XXXX  . As such, I contacted the company 's corporate 's office and conversed with a femal e executive a nd requested for the deletion of the debt which was negatively affecting my  credit score . I explained my rationale and extenuating circumstances over the phone verbally and as such, was approved by that particula r executive representative and was also promised a follow up from  her relating to the matter, but no such responded contacts was ever fulfilled by her. However, I made followed up contacts and was informed that no notes in their systems reflected any such correspondences. Thereafter, I even went ahead and filed about  XXXX  disputes with  XXXX   XXXX , and informed  XXXX  reps, that this debt was already approved for deletion ov er three  years ago by  XXXX  of thei r executive re ps, as well as objectively challenging the disputed dollar amounts and time frames from which the creditor closed my account which also did not reflect the cancellation of the credit card account which was 90 days late in closure by Commerce Bank, representatives, for which was done purposely by intent and unjust approach. This also caused a gravalicious mayhem with the many collection agencies that they coincided with to cause me nothing but a great deal of high disturbances. I have also noticed on many occasions the constant changes of the account balances ranging from over {$2000.00}, to {$2500.00}, and now, they have brought it down to {$2400.00}, with there many bogus additions and subtractions of deeply and troubling practices. I reached out to there corporate office again, and conversed with a lady in their media department regarding my concerns and all I can say is that she did her job compared to the rest by notifying a  XXXX   XXXX , about contacting me which materialized on  XXXX , at  XXXX  est, leaving a recorded message to reach out to her. I did so, and shared all stories relating to the matter and was informed that she would be carrying out a research and investigation into the matter and would be contacting me in a few days. To no avail, weeks went by and no such, contacts by  XXXX   XXXX , ever materialized. This time I kept on being diligent in my approach to get in touch with her, which was extremely difficult to fetch. Upon, finally getting in touch with  XXXX , and while conversing with her, it became noticeably apparent that this woman that represents  XXXX  of the highest office within her, entity had no intentions of fulfilling her duties, and just responded with a bunch of conjectures and misrepresentations regarding all of her insincere researches of several years of which she allegedly claimed to have investigated showing again, no such, correspondences according to her which was extremely odd to me. Just did n't make any sense. Her statements we 're just extremely convoluted regarding all of her baseless claims. Then she made another false claim about she had called me, on several occasions during the time frames she had specified for. I then responded saying lady I have voicemail and caller ID, and no such, findings by you, here are accurate. Thereafter, she came to an immediate halt, knowing that she had just lied blatantly, and just got busted in the process. In further, findings by  XXXX  's, statements of her additional and alleged researched claims, I went on to advise her that all of her actions we 're nothing but a big disturbing deeds of disservice, and without a doubt one that would be shared with CFPB, of which she boastfully encouraged me, to do whatever actions by my own discretion 's. Once again, the actions of this entities disturbing behavior 's for which I found to be deeply troubling practices at all levels of operations while operating in the business world and marketplace should be rewarded with stiff penalties of justice by the CFPB, and FTC for such uncaring and vindictive approach by Commerce Bank. As, a financial institution, notes should be shared in a inter-connected technology and database system for transparency and for validation purposes regarding all levels of contacts etc. Nothing of vagueness, distastefulness, discreetness, evasiveness, combativeness, or just being out-rightly defiant knowing that the matter, again, was already approved for deletion over  three ye ars ago by verbal communications by  XXXX  of their upper management of personnel. Again, this behavior and egregious acts of bad practices by Commerce Bank, for which they practice appears to be a common theme given the many other reviews that I have come across by many other customers of theirs holding various accounts under the umbrella of Commerce Bank, regarding charges of interests rates, and extremely poor customer service etc. Many unhappy past and present customers regarding those genuine findings which is extremely troubling and highly disturbing. And as such, I am requesting that swift action of justice be carried out against Commerce Bank, for there misrepresentation that they displayed, and for all of their other atrocious disservice of approaches for which they deliberately induced as it pertains to the extremely disturbing matter to benefit there crooked and nefarious designing schemes. And lastly, the already approved deletion should be upheld without interference of any obstructions as it has substantiated merit of verbal approval.

Company response to consumer: Closed with explanation