Commerce Bank — Consumer Response Profile

How this company responds to consumer inquiries (CFPB data) • Period: 2023-present • Last verified: 2026-05-05

Resolution Rate

99.8%

Consumer inquiries resolved successfully

Timely Response

98.2%

Responded within 15-day window

Total Interactions

1,004

Consumer interactions on record

Services Used by Consumers

Checking or savings account 31.3%

Bank account or service 12.8%

Credit card 12.8%

Credit card or prepaid card 11.8%

Debt collection 7.1%

Consumer Feedback Categories

Managing an account 19.3%

Account opening, closing, or management 5.4%

Incorrect information on your report 4.6%

Opening an account 3.9%

Problem with a purchase shown on your statement 3.8%

Response Breakdown

Closed with explanation 847 (84.4%)

Closed with monetary relief 101 (10.1%)

Closed with non-monetary relief 36 (3.6%)

In progress 10 (1.0%)

Closed without relief 6 (0.6%)

Closed with relief 2 (0.2%)

Closed 1 (0.1%)

Untimely response 1 (0.1%)

Understanding This Data

The Consumer Financial Protection Bureau (CFPB) tracks how financial companies respond to consumer inquiries. This profile shows Commerce Bank's responsiveness and resolution track record.

Resolution Rate — How often the company resolves consumer inquiries with a satisfactory outcome (monetary or non-monetary relief).
Timely Response Rate — How consistently the company responds within the required 15-day window — a sign of operational responsiveness.
Services Used — Which product categories consumers interact with most frequently.
Feedback Categories — The types of inquiries consumers submit most often.

Higher resolution and timely response rates indicate strong consumer service operations. Volume of interactions is not a quality indicator — larger, more established companies naturally handle more consumer inquiries.

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