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Jim Jones
Jim Jones

4-14-21 Account Opened
4-20-21 $2600 ACH Push
4-23-21 $2500 ACH Push (To Avoid Monthly Fees)
5-24-21 10 Various $2 transactions at gas stations completed
8-16-21 Called bank to request status of bonus and I was told I would need to wait until 9-13
9-14-21 Called bank to check status of bonus and I was told the bonus was only for Whichita residents. I indicated that I had documentation that did not indicate any residency restrictions. I was then told that the bonus would be investigated by the research department.
9-16-21 I received a phone call indicating that the deal was never posted online and it was only available to Wichita residents who received a mailer. I asked if I can send in proof where no residency requirements was listed and I was told there is no way to send them an email. I then indicated I would be filing a formal complaint with the CFPB and I was told I could file a complaint with the bank itself. The representative took down my complaint and indicated I would be hearing back from someone about my complaint. Later that day I received an email indicating the promotion was only for people who received a mailer who lived in the Wichita area. I replied with documentation showing that there was no residency restrictions.
9-23 After receiving no response I sent another email asking if my documentation was reviewed and if the bonus will be paid out. I also indicated I would be filing a complaint with CFPB.
9-23 Filed a complaint with CFPB
9-27-21 CUSTOMER BONUS 1099-INT $500
10-6-21 Received email from CFPB indicating the company is still working on the issue
11-19-21 Received response from Commerce (through CFPB). They admitted at one point that there was no targeted language at one point but they indicated they updated the terms of the promotion to be location specific on January 28, 2021 but they said since I sent in a copy of the terms that I received that did not have any location specific language they honored the bonus and paid me out.

I do not believe I was paid because of the CFPB complaint but it did help. I am also thinking that the bonus paid out automatically on 9-27-21 instead of them saying they manually credited me. In the end I got my $500 and that’s all that matters.

kyle
kyle

i brought my acc to a zero balance last week and now i cant login. get a message “invalid customer ID or password” but i know im entering htem correctly.

did commerce probably just completely cancel/close my account? if so thats fine with me but im just not sure what happened

Roderick
Roderick

Emptied the account to zero balance with a pull from another bank, alled the next day to close. They asked if the account had zero balance and then closed without issue.

Roderick
Roderick

If your account reaches $0, Commerce Bank will not charge fees as long as it’s at $0 according to representative. If your account says at 0 for a month, the account will be automatically closed, according to representative.

Best way to close is an ACH pull from another bank to empty the account. No fees.

Or you can visit a branch, write a check against your account (lol as if you ordered checks), make several small transfers out thru Commerce for $1 fee each (default daily transfer limit 1k, also has a monthly limit), or you can send a notarized letter to the bank and they will cut a cashiers check and close your account.

johnny
johnny

scares me to zero out my account intentionally and then have a bad feeling that commerce actaully will not follow what u said and ill start going negative due to them hitting me with a monthly $20 maintenance fee…

im not anywhere near a branch and dont think ill bother with a notary so i guess this my only option. ho’e you’re right!

luis
luis

Opened – 01.11.21
10+ transactions via Amazon, Best Buy, in person (no PIN used) through – 01.27.21
Transactions show as DEBIT CARD PURCHASE…
$200 posted – 04.13.21

johnny
johnny

bonus posted! is commerece difficult to close with, or will they close account no hassle over a secure message?

Master Allan
Master Allan

Account opened 1/11/21. $500 bonus paid 4/13/21. I did 11 or 12 small debit transactions around town. Like Pete’s Dragon below I also was inflicted with a $20 service fee due to misunderstanding of terms but it was credited back by asking. I am in the Denver area.

stingerzing
stingerzing

Got payout in Colorado, 500. Applied before terms were updated I believe to just the small counties.

Pete’s Dragon
Pete’s Dragon

$500 bonus paid out. I’m in Illinois. Opened account online on 1/11/21. The ten debit card transactions consisted of .50 cent Amazon gift card reloads. I was charged one $20 monthly service fee, which was reimbursed by request through the online message center.

Anicha
Anicha

Just looked after I saw your post and mine paid out too. I am in Oklahoma!

1/13/21 – Opened online
10x 50 cent Amazon reloads
04/13/21 – $500 bonus!

johnny
johnny

im in Indiana and was able to apply when this didn’t have state restrictions. i signed up using the WI500 promocode. ive met all the requirements and now am just waiting to see if hte $500 pays out. are any other OOS people expecting htem to pay it? or are they going to end up screwing ppl and saying it was only meant to be targeted for the certain states so only those ppl are eligible

James Bond
James Bond

Technically, it is targeted to certain regions. Update here on whether is pays out. Good luck!