Consumer complaint received 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: COMMERCE BANK
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXXCommerce BankXXXXRE: Formal Rebuttal & Request for Evidence  Fraud Claims / CFPB Case Nos. XXXX XXXX XXXX XXXXDear Ms. XXXXThis letter is submitted in response to your repeated denials of my fraud claims related to Commerce Bank debit card transactions and to acknowledge that this matter remains unresolved, as recently confirmed in communications from the XXXX Attorney General's Office. Commerce Bank has provided no substantial documentation or meaningful justification in accordance with federal regulations.\n\nUnder Regulation E of the Electronic Fund Transfer Act (12 CFR 1005.11), I am entitled to a thorough and evidence-based investigation of the disputed transactions. Your office has failed to provide:\n- Transaction logs, timestamps, or merchant-validated receipts;\n- IP address logs, chip data, or PIN-entry validation to prove authorization;\n- Any internal communication or analyst notes substantiating your conclusions;\n- Copies of alleged attempts to contact me during the dispute process.\n\nCommerce Bank has instead issued repeated form-letter denials without any accompanying proof or explanation. This conduct not only fails regulatory standards but also disregards the additional review prompted by the XXXX  Attorney Generals Office.\n\nTherefore, I am reiterating my formal demand for the following within XXXX XXXX business days:\n1. Full documentation and records used in your denial decision;\n2. Copies of any investigative steps taken, including communication logs;\n3. Merchant-side data validating the transactions as authorized;\n4. A detailed response appropriate for inclusion in my updated CFPB and Attorney General filings.\n5. All evidence so that it can be forwarded and provided to my attorney at XXXX XXXX XXXX XXXX so that legal proceeding and actions can begin against Commerce Bank on my behalf.\n\nIf you fail to respond with the requested records, I will proceed with further legal escalation through state and federal consumer protection channels.\n\nDate No. Description Debit\nXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation