First Midwest Bank

Complaint: [redacted] I am rejecting this response because this does not answer my questions and concernsI did have an accountPlease give me a call at [redacted] *** I have first hand knowledge of some pretty important exploits Sincerely, Nathan ***

The Bank stands by it's original response

Please see attached response The client has been contacted regarding his concern Thank you!

Thank you for your inquiry We have received all documentation needed update Ms [redacted] account The hold was removed 06/09/ Please feel free to contact us at 1-800- [redacted] if you have any further questions or concerns

Initial Business Response / [redacted] (1000, 5, 2015/06/11) */ Contact Name and Title: [redacted] Contact Phone: XXX-XXX-XXXX Contact Email: [redacted] @firstmidwest.com The bank has made several attempts to reach ** [redacted] to discuss his concern, however has been unsuccessful in reaching him at the numbers providedWe value ** [redacted] 's business and would like the opportunity to discuss his questions and concerns** [redacted] can contact [redacted] directly at X-XXX-XXX-XXXX between the hours of 8:30am and 5:00pm and I would be happy to review his account with him Initial Consumer Rebuttal / [redacted] (3000, 12, 2015/08/06) */ Responded to a single message left by bankNo other attempts were made to contact **When calling the number listed, goes straight to the voice mail of another personNot the person who left the messageLeft a message and waiting for response Final Business Response / [redacted] (4000, 14, 2015/08/14) */ Contact Name and Title: [redacted] Contact Phone: XXX-XXX-XXXX Contact Email: [redacted] @firstmidwest.com The bank has made additional attempts to reach ** [redacted] , however have still been unsuccessful in connecting with the clientAdditional calls were made on 08/13/at 11:30am and 08/14/at 1:30pmPer the First Midwest Bank Retail Account Agreement, "Statement Savings Account customers [redacted] also waive the Monthly Maintenance Fee for the first six (6) months after account opening with automatic minimum monthly transfers of $from their Midwest Checking Account." ** [redacted] has completed telephonic transfers each month in an attempt to meet this requirementWhen ** [redacted] spoke with a Customer Care Supervisor on 06/03/2015, it was explained that an Automatic Funds Transfer was required to meet the requirement As a courtesy the bank has refunded ** [redacted] the maintenance fees currently assessed through the month of July in the amount of $The remaining three fees of $will be waived through the month of OctoberAs indicated in the Retail Account Agreement, a daily account balance necessary to waive the monthly fee is $Beginning in November, these fees will resume should this requirement not be met In addition, ** [redacted] incurred $in fees for exceeding the allowed number of transfers from his Statement Savings AccountThe Statement Savings Account fee schedule includes withdrawal limits of per month or statement cycleWe have refunded these fees also as a courtesyFuture withdrawals beyond this limit will be subject to the Transaction Fee of $per item We would be happy to discuss this further with ** [redacted] I can be reached at X-XXX-XXX-XXXX between the hours of 8:30am and 5:00pm Monday through Friday

Thank you for your inquiryFirst Midwest Bank does bank Money Servicing Businesses ("MSB"), but requires each MSB to complete an application for review and approvalThe Bank did not receive an application for your companyThe Bank will add language to it's website indicating an application and approval process is required for MSBs

Initial Business Response / [redacted] (1000, 5, 2015/07/10) */ Contact Name and Title: Patti [redacted] Contact Phone: [redacted] Contact Email: [redacted] The bank has made several attempts to contact Ms. [redacted] regarding her concern however have been unsuccessful in reaching the... client. We have left messages for a return call. After review of the client's situation, we have refunded $108 in fees to Ms. ***'s account. We value Ms. ***'s business and would like the opportunity to discuss her questions and concerns. Ms. [redacted] can contact me directly at [redacted] between the hours of 8:30am and 5:00pm and I would be happy to review his account with her. Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/07/13) */ (The consumer indicated he/she ACCEPTED the response from the business.) Because I am satisfied that when I was being taken advantage of by unconcerned people. I had a liaison to intervene on my behalf. I was too mentally and physically exhausted and I knew I would not be able to talk to them without crying uncontrollably. I get upset and anxious and that hinders my ability to effectively communicate. They refunded my fees. I am Honestly Grateful, my credit union has upgraded their services so now I can do mobile deposits. It's too taxing to remain a member of First Midwest, I plan on closing my account. I work to maintain good standing with my business constituents.

Initial Business Response /* (1000, 5, 2015/06/24) */
Contact Name and Title: *** ***
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@firstmidwest.com
On the business date of 6/22/2015, *** *** the joint owner cashed a check not drawn on First Midwest Bank in the amount of
$against the referenced accountThis resulted in a one day hold on the account for that amount, per the terms of the Retail Account Agreement and DisclosureThe hold was released from the account and became available on 6/23/We have reached out to *** (***) *** twice to discuss her account, however have not heard back from her
Initial Consumer Rebuttal /* (3000, 7, 2015/06/29) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Hello
*** and I have two separate accounts she submitted the money into her own account not mineYour supervisor *** contacted me three days later she said she would call me that Monday which never happened so this is why I went to one of your branches and had the terrible experience which you adequately avoided in youre response this just goes to show how unprofessional your business isI talked to *** your gurnee branch manager back and forth all last week so for you to say you haven't heard back is a lie this just proves that your business doesn't know how to communicate with each other as well as not being able to serve your customers in a professional polite way Not at any point did your response apologize for the way things were handled which reassures me that canceling ** checking account with your institution was the best decision I ever made
Final Business Response /* (4000, 9, 2015/07/09) */
Contact Name and Title: *** ***
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@firstmidwest.com
After conversing with *** *** *** we learned that *** has a joint account with her mother, *** *** On June 20, 2015, her mother conducted a transaction and the Bank's Northside locationIn order to complete the transaction as requested by *** the teller used the account that she owned jointly with ***This resulted in a one day hold being placed on the funds in that account, which is disclosed in the Bank's Retail Account Agreement & Disclosure ("Agreement")
The account that incurred the one day hold as result of the check being cashed against it, is the joint account held with *** and ***The transaction occurred on Saturday, June 20, and therefore was posted on the next Business Day per the Agreement, which was June 22, The one day hold was released and the funds became available for *** to use on June 23, *** closed the account on June 25, and was given the full balance in the accountWe apologize that *** was not contacted by the Customer Care Supervisor until the morning of July 23, The Supervisor made contact on July 23rd once she could confirm the teller hold was placed and released on the account
The Bank strives to treat all of its customers with respect and understandingWe apologize that *** did not feel she received that high standard of serviceCustomer Care and Branch employees have been coached on Bank expectations of customer service

Initial Business Response /* (1000, 6, 2015/09/08) */
Contact Name and Title:***
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@firstmidwest.com
09/08/
Revdex.com
Case #XXXXXXXX
To Whom It *** Concern,
This letter is in response to complaint #XXXXXXXX
filed by *** *** against First Midwest Bank ("Bank") pertaining to the daily overdraft fees charged to her checking account
The Bank charges overdraft and returned item fees (collectively, "Fees"), as follows:
The Bank does not charge an overdraft fee if the account is overdrawn by a total amount of less than $
When the Bank determines that the account is overdrawn in excess of five dollars, a fee of $is charged for each item with a maximum of five overdraft item fees assessed (per account) in a single day
The Bank sends an Overdraft Notice each time the account becomes overdrawn due to the presentment of an itemThe notice includes the amount of overdraft fees charged to the account(Appropriate notices were mailed by the Bank to *** at her address on record with the Bank)
The Bank also provides a grace period of calendar days to allow sufficient time to make a deposit before charging a daily overdraft fee of $per business day until the account is brought to a positive balance
The Bank does not charge a fee for the debit card authorization, however the authorization amount is held from the balance until the transaction is settled or after the 3rd business day, whichever is soonerA paid overdraft fee will be charged for the transaction if the account is overdrawn when the item is presented for payment by the merchant
*** first became overdrawn on July 13, due to an authorization of $to CNAC-Joliet and a purchase of $at 7-Eleven bringing the available balance to -$On July 14, 2015, *** was charged a $paid overdraft fee for the purchase of $to 7-ElevenIn addition, the bank card purchase of $posted to the accountThis purchase caused an additional $paid overdraft fee to be charged on July 15, On July 20, 2015, *** made an ATM deposit in the amount of $to cover the overdraft, however the deposit was subject to the Bank's next day funds availability policy***'s available balance prior to this deposit was -$On this same date, one Bank Card purchase in the amount of $89.24, check #for $100.00, and two telephone transfers in the amounts of $and $were presented for paymentThis left ***'s available balance at -$Subsequently, on July 21, 2015, *** was charged a $paid overdraft fee for check #An additional preauthorized debit in the amount of $was also presented for paymentSince the account remained overdrawn for consecutive calendar days, the account was charged a daily overdraft fee of $bringing the account to a balance of -$On July 22, 2015, the account was charged an additional $paid overdraft fee for the $preauthorized debit***'s account has remained overdrawn since this time for which she has been charged a daily overdraft fee for each business day the account has remained overdrawn, along with any additional paid/returned overdraft fees for additional items presented for payment
I spoke with *** on August 27, 2015, at which time I offered a one-time courtesy refund of $in daily fees and also discussed the option of a payment arrangement to assist in paying the debt owed*** stated she was at work and would have to call back after 5:pm that
evening to confirm the payment arrangementI have reached out to *** on August 28, and August 31, and left messages to discuss with no return call
If you need any additional information or supporting documentation, please contact ** at (XXX) XXX-XXXX
Sincerely,
***
Overdraft Services Program Manager
First Midwest Bank

Initial Business Response /* (1000, 5, 2015/06/11) */
Contact Name and Title: [redacted]
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@firstmidwest.com
The bank has made several attempts to reach **. [redacted] to discuss his concern, however has been unsuccessful in reaching him at...

the numbers provided. We value **. [redacted]'s business and would like the opportunity to discuss his questions and concerns. **. [redacted] can contact ** directly at X-XXX-XXX-XXXX between the hours of 8:30am and 5:00pm and I would be happy to review his account with him.
Initial Consumer Rebuttal /* (3000, 12, 2015/08/06) */
Responded to a single message left by bank. No other attempts were made to contact **. When calling the number listed, goes straight to the voice mail of another person. Not the person who left the message. Left a message and waiting for response.
Final Business Response /* (4000, 14, 2015/08/14) */
Contact Name and Title: [redacted]
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@firstmidwest.com
The bank has made additional attempts to reach **. [redacted], however have still been unsuccessful in connecting with the client. Additional calls were made on 08/13/15 at 11:30am and 08/14/15 at 1:30pm. Per the First Midwest Bank Retail Account Agreement, "Statement Savings Account customers [redacted] also waive the Monthly Maintenance Fee for the first six (6) months after account opening with automatic minimum monthly transfers of $25.00 from their Midwest Checking Account." **. [redacted] has completed telephonic transfers each month in an attempt to meet this requirement. When **. [redacted] spoke with a Customer Care Supervisor on 06/03/2015, it was explained that an Automatic Funds Transfer was required to meet the requirement.
As a courtesy the bank has refunded **. [redacted] the maintenance fees currently assessed through the month of July in the amount of $15.00. The remaining three fees of $15 will be waived through the month of October. As indicated in the Retail Account Agreement, a daily account balance necessary to waive the monthly fee is $200.00. Beginning in November, these fees will resume should this requirement not be met.
In addition, **. [redacted] incurred $12 in fees for exceeding the allowed number of transfers from his Statement Savings Account. The Statement Savings Account fee schedule includes withdrawal limits of 6 per month or statement cycle. We have refunded these fees also as a courtesy. Future withdrawals beyond this limit will be subject to the Transaction Fee of $3.00 per item.
We would be happy to discuss this further with **. [redacted]. I can be reached at X-XXX-XXX-XXXX between the hours of 8:30am and 5:00pm Monday through Friday.

Thank you for your inquiry. First Midwest Bank does bank Money Servicing Businesses ("MSB"), but requires each MSB to complete an application for review and approval. The Bank did not receive an application for your company. The Bank will add language to it's website indicating an application and...

approval process is required for MSBs.

Thank you for advising us of your situation at out Lockport branch.  The Branch Manager and Teller Supervisor at this branch filed a dispute for the client while he was present in the branch on 01/28/2016.  A provisional credit of $100 was placed on the account on 02/01/2016. ...

The Branch Manager, [redacted], placed a call and spoke to the client explaining that the credit was placed and the client's money was in the account.  The client was satisfied.  The Branch Manager provided the client with her direct phone number if there were any further questions.

Please see attached response.  The client has been contacted regarding his concern.  Thank you!

Initial Business Response /* (1000, 5, 2015/07/10) */
Contact Name and Title: Patti [redacted]
Contact Phone:[redacted]
Contact Email: [redacted]
The bank has made several attempts to contact Ms. [redacted] regarding her concern however have been unsuccessful in reaching the...

client. We have left messages for a return call. After review of the client's situation, we have refunded $108 in fees to Ms. [redacted]'s account. We value Ms. [redacted]'s business and would like the opportunity to discuss her questions and concerns. Ms. [redacted] can contact me directly at [redacted] between the hours of 8:30am and 5:00pm and I would be happy to review his account with her.
Initial Consumer Rebuttal /* (2000, 7, 2015/07/13) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Because I am satisfied that when I was being taken advantage of by unconcerned people.
I had a liaison to intervene on my behalf.
I was too mentally and physically exhausted and I knew I would not be able to talk to them without crying uncontrollably. I get upset and anxious and that hinders my ability to effectively communicate. They refunded my fees. I am Honestly Grateful, my credit union has upgraded their services so now I can do mobile deposits. It's too taxing to remain a member of First Midwest, I plan on closing my account. I work to maintain good standing with my business constituents.

Thank you for your inquiry.  We have received all documentation needed update Ms. [redacted] account.  The hold was removed 06/09/2016.  Please feel free to contact us at 1-800-[redacted] if you have any further questions or concerns.

The Bank stands by it's original response.

Complaint: [redacted]
I am rejecting this response because this does not answer my questions and concerns. I did have an account. Please give me a call at [redacted] . I have first hand knowledge of some pretty important exploits.
Sincerely,
Nathan [redacted]