Never Use Commerce Bank

[JKPolk]

This is a crop of the latest statement I received from Commerce. This is an account I opened up as a result of my main bank (Wachovia) not having a branch in Worcester, where I go to school. I needed a bank that I can use as an ATM dump so that I don't get surcharged. Well, I never ended up using it and the $20 I put in initially have sat dormant.

As you can see, I've been billed for a LOT of things. I'll go down them in order.

First off is a charge for having my debit card replaced. This is a result of them sending me a card with my name spelled wrong initially. I told them I needed a new card, or I would look suspicious. They agreed and sent me a new card (never said anything about a charge for it, and this was about 6 months ago).

The next is a charge for not having enough money in my account to pay for the charge for having my card replaced. **** you, too, bank.

Uncollected funds fee, what does that even mean?

The final three go hand in hand. An incoming wire fee, and a foreign wire fee... Let me just say that I've never wired money in my life, nor had money wired to me. Much less received wired money from a different country. The best part about these two is the fact that I have a dormant account fee. If my account is dormant, how the **** am I getting wired money?

ARGH I'm so pissed off. If this isn't a reason to not use Commerce, I don't know what is.

[Wilkin]

Re: Never Use Commerce Bank

I'm using Commerce, but I've never had any of these problems. I believe they do have a fee if you don't have a set amount in the account, but I would probably put the replacement thing on someone not explaining the purpose of sending the card, so in the computer it was put as a replacement. No idea about the rest, though.

[JKPolk]

Re: Never Use Commerce Bank

When opening, they told me the minimum deposit is $20. I understand the dormant account, seeing as I've never used it. The rest are bull****.

[Wilkin]

Re: Never Use Commerce Bank

Aye.

[Magnafiend]

Re: Never Use Commerce Bank

I say complain, do something about it, who knows, it might actually work.

[madmatt621]

Re: Never Use Commerce Bank

I use Bank of America...

[JKPolk]

Re: Never Use Commerce Bank

I just got off the phone with them. It was a misunderstanding and they're refunded the money. Their customer service was good, considering how pissed I was. It's just ridiculous that a problem like this could even occur in the first place.

[Tasselfoot]

Re: Never Use Commerce Bank

WAIT WAIT WAIT...

FYI... this is NOT the same Commerce Bank as the one Wilkin is thinking of. The Commerce Bank that is MASSIVELY ALL OVER NY/NJ/PA/DE/DC/VA/FL is a different bank with the same name. There is also a Commerce Bank in Missouri/Nebraska area. That one has a green logo. The one with ~500 branches up and down the east coast has a red logo and the website is www.commerceonline.com

Believe me... NONE of this stuff would ever happen at that Commerce Bank. There is a reason it is the nation's top ranked bank for Customer Service.

But, yea... that sucks Polk.


PS - I work for Commerce... hence my comments and position.

PPS - You really shouldn't make such a blanket statement about what seems to be a fairly local and small bank, considering there is a MAJOR bank with the same name.

[JKPolk]

Re: Never Use Commerce Bank

I know, I was just really angry. Like I said, their customer service was friendly and helpful in remedying the situation.