MidFirst Bank

We acknowledge receipt of the Revdex.com of Central Oklahoma ("Revdex.com") inquiry, dated October 2017, which was received by MidFirst Bank and forwarded to our office on October 12, Your inquiry concerns a property which secures a loan serviced by Midland Mortgage, a Division of MidFirst Bank ("Midland")We appreciate the opportunity to be of service.As stated in our previous response, the foreclosure at the property in question is not complete Mr [redacted] is not authorized by the owner of the property to receive information about the account and/or propertyWe are therefore unable to provide him with information about property preservation work pending or completed at the property, or discuss this matter with him further.Please be advised that Midland routinely inspects the property throughout the foreclosure process in accordance with applicable investor and insurer guidelines, as well as state law, most recently on October 10, 20iAs of that date, the yard and property were appropriately maintained.If you have any further questions, or if I may be of assistance, please call my office at ###-###-####, extension 1079, Monday through Friday, a.mto p.m(Central Time)

This letter is in response to Mr[redacted] 's rebuttal to MidFirst Bank' s ("MidFirs t" ) response to the above referenced complaintIn his rebuttal, Mr [redacted] claims that MidFirst is intentionally avoiding resolution to this issue and alleges that MidFirst's response was unprofessional, invalid ,unsubstantiated and not accurate .Mid First denies all of Mr [redacted] 's allegations, specifically that it has provided inaccurate information, and has made numerous attempts to try to assist the [redacted] s with this issueAs previously stated,Mid First posted a $1,deposit to Mrand Mrs [redacted] 's account in errorThe funds deposited int o the [redacted] s' account belonged to another MidFirst customerInstead of contacting Mid Fi rs t t o determine the origin of the additional $1,deposited into their account, the [redacted] s withdrew and/or spent the $1,600.00, which did not belong to themOnce Mid First discovered the error, as a courtesy to the [redacted] s, multiple attempts were made to contact Mrand Mrs [redacted] , to which neither respondedSubsequently, the errant deposit was reversed from the [redacted] s' account and returned to the rightful owner.As state d in our previous response, MidFirst is willing to work with the [redacted] s on a payment arrangement to pay Mid Fir st back the $1,over time, as Mr [redacted] request edHowever, to date, the [redacted] s' account remains overdrawn, and the [redacted] s have made no attempt to return the$1,or work with MidFirst on a payment arrangementAs of the date of this letter, Mid First has sustained a loss of $1,600.00.MidFirst believes it has properly addressed Mr [redacted] 's complaints and fully explained what transpiredIf you require any further information please contact the undersigned

Complaint: [redacted] I am rejecting this response because: In paragraph 2, MidFirst writes and admits that MidFirst posted a deposit in errorAlso in paragraph from MidFirst Bank dated October 23, 2017, MidFirst falsly alleges that, "Instead of contacting MidFirst to determine the origin of the additional $1,into their account, the [redacted] s withdrew and / or spent the $1,600.00, which did not belong to them The facts to this are as:#" [redacted] s"? There was only [redacted] , myself, on this account#Repeating exactly as previously written on September 15, complaints to the Revdex.com, MidFirst Bank, & FDIC: "I have briefly reviewed, not investigated, deposits made in that time frame and there were several close to those amounts and not unusual banking activity."Additionally written in paragraph from MidFirst Bank dated October 23, 2017, "multiple attempts were made to contact Mrand Mrs [redacted] , to which neither responded." Fact are as follows:#There is no on on my account by the name of Mrs [redacted] The only Mrs [redacted] 's that I know are my Step Mother & Aunts?#Zero emails have been received, zero U.S.P.Smail and zero phone calls have been received, as I repeat exactly what I previously written on October 6, as, "The phone number on each complaint is the Joint Account holders phone number and the only possible way to reach either account holderThis is why their phone number was provided on each complaintThe joint accounts phone number, which is the same number in the complaints, has not received any additional phone calls or voice mails since 9/13/and 9/14/2017."Paragraph from MidFirst Bank dated October 23, 2017, "MidFirst is willing to work with the [redacted] s on a payment arrangement to pay MidFirst back the $1,over time, as Mr [redacted] requested." Facts are as follows:Repeating exactly as it was written in the original complaint to the Revdex.com, MidFirst Bank, and the FDIC September 15, 2017, Desired result to be "Bank to immediately return the funds to my account and give me a reasonable time to investigate their errorIf there was indeed an error on their part, we come to an agreement on how and when I can return the funds, such as a payment plan."Such as is defined as: an exampleNot an agreement.Lastly in paragraph from MidFirst Bank dated October 23, states, "As of the date of the letter, MidFirst has sustained a loss of $1,600.00."#When a customer of any banking institution were to make an error in their account of this magnitude, the customer is responsible for their errorI, Mr [redacted] , have not made any errorsMidFirst Bank needs to be heald to the same standard, as self admitted in the same letter that it is their errorLastly, Last paragraph from MidFirst Bank dated October 23, reads as follows, "MidFirst believes that it has properly addressed Mr [redacted] 's complaints and fully explained what transpired."Note: If MidFirst defines "Properly addressed" as by not doing due dilligence, providing inaccurate information such as not even knowing who is on the account, acting unprofessional in only reporting a portion of the facts - which most are again inaccurate, falsy alleging behavior that did not occur and admitting that MidFirst is irresponsible with their customers funds and information - than MidFirst must be correct in the last statementThis concludes my efforts in this matter and will no longer participate in these unprofessional behaviorsI request that my account be closed immediately and that this matter be concluded Sincerely, [redacted]

Pursuant to the complaint listed above,
this leuer is in response to *** ***'s complaint to the RevDex.com ("Revdex.com"), dated August, 5,and received on September 8,
2017.Mr*** stales in his complaint that
be had a balance in his account ofS:and that he made a purchase
for that
ex.act amount, bringing the balance in his account to zeroI-le also states that
he then canceled his accountMidFirst records indicate that on June 30,2017,
the balance in Mr***'s account was $3-2.32, as he states in his letterOn
July 17, 2017, a transaction cleared Mr***'s account in the amount of
$30.32, leaving a balance of $MidFirst has no record of a request from
Mr*** to close his account at that time.Mr*** also states in his letter that
Amazon attempted to charge his MidFirst account for an order he placed but that
the payment was declined by MidFirst and Amazon did not receive their money
MidFirst records indicate that on July 19, 2017, a purchase to Amazon cleared Mr***'s account in the amount of$The purchase was paid 11gainst
Mr***'s $balance and an overdraft fee of$was charged, leaving Mr
***'s balance at -$72.85.On July 26, 2017, Mr***'s account
was charged a $extended overdraft fee, which was refunded the same day
Mr*** was never charged an additional $fee as he indicates in his
leucr.On
July 31, 2017, Mr*** made a deposit in his account in the amount of$74.67,
leaving a balance of$Also on July 31, 2017, a monthly
service fee posted to Mr***'s account in the amount of$3.00, leaving a balance of-$On
August I, 2017, MidFirst credited Mr
***'s account for $and closed his
account.On September 9th, after receiving his letter from the Revdex.com, the MidFirst call center contacted Mr***
regarding his complaintAs a courtesy, MidFirst mailed Mr*** a check in the
amount of $as requested in his letter.MidFirst believes it has
smisfactorily addressed Mr***'s concerns presented in his
complaint.Thank you for the opportunity to respond to Mr***'s complaintlf you require
any further information, please contact the undersigned

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***

Attached

This letter is in response to
the above-referenced complaint, dated September 7, 2017, submitted by ***
*** to the Revdex.com (“Revdex.com”), regarding service provided by
MidFirst Bank (“MidFirst”).Mr***
states that MidFirst is reporting collections on his credit in
noncompliance to
FCRA and FDCPAMidFirst management had previously reviewed and addressed this
situation in response to multiple credit bureau disputes the customer opened
with the three major credit bureausWhile researching the disputes which began
on July 29, 2017, MidFirst identified that the customer had filed bankruptcy on
March 22, (the bankruptcy was discharged on June 26, 2017)MidFirst did
not previously receive notice of the bankruptcyThe account was updated to
reflect the bankruptcy status on August 4, At the same time, Mr
***’s credit reporting was updated to reflect the bankruptcy status.MidFirst has
reaffirmed the credit reporting information to ensure it complies with FCRA
rules for each of the subsequent disputes the customer has filed through the
credit bureausFurthermore, MidFirst is not considered a “debt collector” per
FDCPA, as the debt was being collected by MidFirst and was owed to MidFirst
Without additional detail from the customer regarding what he believes is being
reported incorrectly, MidFirst is not able to respond to his concerns
specificallyThe customer may submit additional information including the
specific items he is disputing to the address below and MidFirst will review
and respond according to FCRA guidanceMidFirst appreciates the opportunity to
respondIf you require any further information, please contact the
undersigned

In my original complaint with the Revdex.com and in the complaint filed with State and Local officials, I make comments based off public records I have viewed as to the practices of MidFirst Bank, however I do not now nor have I ever attempted to get information from them as to their loaning practices. My complaints center around their complete lack of concern over the safety and well being of my family and that of my neighbors. They have allowed the property to deteriorate to the point it is making our property values decline. Rats, mice, possum and raccoons are my neighbors now. And the only response I ever get from this alleged bank is that it is none of my business. I think local news outlets will be contacted next. Thy hired a kid to come and mow recently, obviously to say they have responded to me. He came equipped with a small push mower to mow over an acre of property that has not been mowed since last year. He mowed a small portion and left a pile of rubble. Unacceptable.
Complaint: [redacted]
I am rejecting this response because:
Sincerely,
[redacted]

We acknowledge receipt of the Revdex.com of Central Oklahoma
("Revdex.com") inquiry, dated October 61 2017, which was received by MidFirst Bank and
forwarded to our office on October 12, 2017. Your inquiry concerns a
property which secures a loan serviced by Midland Mortgage, a Division...

of
MidFirst Bank ("Midland"). We appreciate the opportunity to be of
service.As stated in our
previous response, the foreclosure at the property in question is not complete.
Mr. [redacted] is not authorized by the owner of the property to receive
information about the account and/or property. We are therefore unable to
provide him with information about property preservation work pending or
completed at the property, or discuss this matter with him further.Please be advised
that Midland routinely inspects the property throughout the foreclosure process
in accordance with applicable investor and insurer guidelines, as well as state
law, most recently on October 10, 20i7. As of that date, the yard and property were
appropriately maintained.If you have any further questions, or
if I may be of assistance, please call my office at ###-###-####, extension 1079, Monday
through Friday, 8 a.m. to 5 p.m. (Central Time).

This letter is in response to Mr.[redacted]'s rebuttal to MidFirst Bank' s ("MidFirs t" ) response to the above referenced complaint. In his rebuttal, Mr. [redacted] claims that MidFirst  is
intentionally  avoiding resolution to this issue and alleges that MidFirst's response was...

unprofessional, invalid ,unsubstantiated and not accurate .Mid First denies all of Mr. [redacted]'s allegations, specifically that it has provided inaccurate information, and has made numerous attempts to try to assist the [redacted]s with this
issue. As previously stated,Mid First posted a
$1,600.00 deposit to Mr. and Mrs. [redacted]'s account in error. The funds deposited int o the [redacted]s' account
belonged to another MidFirst customer. Instead of contacting Mid Fi rs t t o determine the origin of the additional $1,600.00 deposited into their account, the [redacted]s withdrew and/or spent the $1,600.00, which did not belong to them. Once Mid First discovered the error, as a courtesy to the [redacted]s, multiple attempts were made
to contact Mr. and Mrs.
[redacted], to which neither responded. Subsequently, the errant deposit was reversed from the [redacted]s' account and returned to the rightful
owner.As state d in our previous response,
MidFirst is willing to work with the
[redacted]s on a payment arrangement to pay Mid Fir st back the $1,600.00 over time, as Mr. [redacted] request ed. However, to date, the
[redacted]s' account remains overdrawn, and the [redacted]s have
made no attempt to return the$1,600.00 or work with
MidFirst on a payment arrangement. As of the date of this letter, Mid First has sustained a loss of $1,600.00.MidFirst believes it has properly addressed Mr. [redacted]'s complaints and fully explained what transpired. If you require any further
information please
contact the undersigned.

Complaint: [redacted]
I am rejecting this response because:
In paragraph 2, MidFirst writes and admits that MidFirst posted a deposit in error. Also in paragraph 2 from MidFirst Bank dated October 23, 2017, MidFirst falsly alleges that, "Instead of contacting MidFirst to determine the origin of the additional $1,600.00 into their account, the [redacted]s withdrew and / or spent the $1,600.00, which did not belong to them.            The facts to this are as:#1 "[redacted]s"? There was only 1 [redacted], myself, on this account. #2 Repeating exactly as previously written on September 15, 2017 complaints to the Revdex.com, MidFirst Bank, & FDIC:  "I have briefly reviewed, not investigated, deposits made in that time frame and there were several close to those amounts and not unusual banking activity."Additionally written in paragraph 2 from MidFirst Bank dated October 23, 2017, "multiple attempts were made to contact Mr. and Mrs. [redacted], to which neither responded." Fact are as follows:#1 There is no on on my account by the name of Mrs. [redacted]. The only Mrs. [redacted]'s that I know are my Step Mother & Aunts?#2 Zero emails have been received, zero U.S.P.S. mail and zero phone calls have been received, as I repeat exactly what I previously written on October 6, 2017 as, "The phone number on each complaint is the Joint Account holders phone number and the only possible way to reach either account holder. This is why their phone number was provided on each complaint. The joint accounts phone number, which is the same number in the complaints, has not received any additional phone calls or voice mails since 9/13/2017 and 9/14/2017."Paragraph 3 from MidFirst Bank dated October 23, 2017, "MidFirst is willing to work with the [redacted]s on a payment arrangement to pay MidFirst back the $1,600.00 over time, as Mr. [redacted] requested." Facts are as follows:Repeating exactly as it was written in the original complaint to the Revdex.com, MidFirst Bank, and the FDIC September 15, 2017, Desired result to be "Bank to immediately return the funds to my account and give me a reasonable time to investigate their error. If there was indeed an error on their part, we come to an agreement on how and when I can return the funds, such as a payment plan."Such as is defined as: an example. Not an agreement.Lastly in paragraph 3 from MidFirst Bank dated October 23, 2017 states, "As of the date of the letter, MidFirst has sustained a loss of $1,600.00."#1 When a customer of any banking institution were to make an error in their account of this magnitude, the customer is responsible for their error. I, Mr. [redacted], have not made any errors. MidFirst Bank needs to be heald to the same standard, as self admitted in the same letter that it is their error.. Lastly, Last paragraph  from MidFirst Bank dated October 23, 2017 reads as follows, "MidFirst believes that it has properly addressed Mr. [redacted]'s complaints and fully explained what transpired."Note: If MidFirst defines "Properly addressed" as by not doing due dilligence, providing inaccurate information such as not even knowing who is on the account, acting unprofessional in only reporting a portion of the facts - which most are again inaccurate, falsy alleging behavior that did not occur and admitting that MidFirst is irresponsible with their customers funds and information - than MidFirst must be correct in the last statement. This concludes my efforts in this matter and will no longer participate in these unprofessional behaviors. I request that my account be closed immediately and that this matter be concluded.
Sincerely,
[redacted]

Thisletter is in response to the above-referenced complaint, dated August12, 2017, submitted by [redacted]to the Revdex.com ("Revdex.com"), regarding service provided by MidFirst Bank ("MidFirst'').Ms. [redacted] states that she recently had
an issue with not receiving a replacement credit card...

from MidFirst and
requests compensation for the inconvenience. MfdFirst management has previously reviewed and addressed this situation in response to a complaint that the customer
opened directly with MidFirst around the same time this complaint was filed
with the Revdex.com. The replacement card was sent to Ms. [redacted] on August 11, 2017,
and was subsequently activated by the customer on August 14, 2017. Ms. [redacted]
expressed her satisfaction with the resolution and stated that she would be
keeping her account open with MidFirst. MidFirst declines Ms. [redacted]'s request
for compensation.As a result of
this situation, MidFirst credit card management has worked with the management
in charge of the customer service team to identify the source of the errors
that were committed on the later requests from Ms. [redacted]. The representatives who mishandled the requests have been coached and additional process changes have been implemented in order to prevent similar queuing issues from recurring in the future.MidFirst believes it has evaluated the issues raised in Ms. [redacted]'s complaint and has satisfactorily addressed those
issues. Mid First appreciates the opportunity to respond. If you require any
further information, please contact the undersigned.

November 19, 2015 Office of the Arizona Attorney General Civil Litigation...

Division Consumer Protection & Advocacy Section 1275 West Washington Street Phoenix, AZ 85007-2926 RE: [redacted], Consumer Complaint Filed by [redacted] To Whom It May Concern: This letter is in response to the above-referenced complaint. MidFirst Bank ("MidFirst") welcomes the opportunity to address Ms. [redacted] concerns. Ms. [redacted] states in her complaint that she opened a Certificate of Deposit (CD) at MidFirst and received a variable rate product yielding less interest than she desires. She is requesting that her CD agreement be nullified and her money returned to her, without penalty. Our research indicates that Ms. [redacted] visited the Greenfield and Baseline banking center on September 15, 2015, and asked about DCD interest rates. After discussion, Ms. [redacted] agreed to a ten year, 120 month, Variable Relationship CD with an interest rate of 2.567% with an Annual Percentage Yield of 2.60%. The Receipt of Certificate of Time Deposit ("Receipt") that was signed by Ms. [redacted] indicates the following rate verbiage: VARIABLE RELATIONSHIP CD RATE. The deposit evidenced by the Certificate will earn an interest rate no lower than 2.567% per annum. The interest rate may increase if the Certificate is designated as a part of a Relationship Package. Interest rates and APY are subject to change at any time at Financial Institution's sole discretion, based on your current Relationship Package tier benefits. Interest rate 2.567% initial APY 2.60% Adjustment Frequency, based on Relationship Package tier MONTHLY. The Variable Relationship CD rate language serves to disclose a rate increase, provided the customer has a qualified checking account and other account services. Since Ms. [redacted] has no other accounts with MidFirst, the rate will not be increased and is essentially, fixed for the 120 month period. In the terms and conditions section of the Receipt, the interest rate calculation method is also outlined. MidFirst uses the daily balance method to calculate interest. Withdrawals prior to the maturity date are subject to early withdrawal penalties detailed in the Receipt.
The early Ms. [redacted] stated that she had a need for monthly interest payments of $250.00-$260.00 a month. The variable rate structure of the CD is not restricting interest payments; however, the terms and conditions to which the customer agreed does not appear to meet her stated needs.
Ms. [redacted] inquired about the interest payment after the first payment was received in October 2015. Her concern was escalated on October 28, 2015, to the Regional Manager, Chip Griffith. Mr. Griffith experienced difficulty in providing clarity to Ms. [redacted] on how the DCD worked and offered to meet with her to discuss in person. On October 29, 2015, Mr. Griffith met with Ms. [redacted] to review the signed documents. Ms. [redacted]'s central concern appeared to be the need for more monthly interest income. Mr. Griffith offered to have Ms. [redacted] meet with an investment advisor to gain information on other options, and she declined. Given the early withdrawal penalty, Mr. Griffith was not able to resolve the concern to Ms. [redacted]'s satisfaction.
On November 17, 2015,1 contacted Ms. [redacted] to address her concern. Ms. [redacted] and I could not come to a mutual understanding on how an interest rate is calculated. I agreed to absorb the $7500 penalty and allow Ms. [redacted] to withdraw her funds, cancelling the agreement she authorized. She committed to visit the banking center and remove the funds personally, and thanked me for my assistance.
Thank you for the opportunity to respond to Ms. [redacted]'s concerns. If you require any further information, please contact me directly. I can be reached at (602) 801-5201.

Susan S[redacted] Senior Vice President Director of Personal Banking- Arizona

Copy: Revdex.com

Sincerely,