Complaints
This profile includes complaints for BankFinancial, NA's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 5 total complaints in the last 3 years.
- 3 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:05/10/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am Not liable for this debt with BankFinancial, NA. I do not have a contract with BankFinancial, NA. They did not provide me with the original contract as I requested.
Business Response
Date: 05/28/2025
Better Business Bureau of Chicago & ****************************************
***********************************
***********************Response to BBB: Complaint #********
Thank you for the opportunity to respond to this complaint.
After reviewing our records, we can confirm that Mr. ******** ***** signed a valid agreement, outlining the terms and conditions of the loan. This agreement is legally binding and forms the basis of the obligation in question.
Mr. ******** ***** asserts that he is not liable for the loan and claims he did not receive a copy of the agreement. However, our records reflect that a copy of the signed agreement was provided to him at the time of origination. Nonetheless, we are happy to provide him with another copy upon request.
The loan was charged off after repeated unsuccessful attempts to collect payment. In accordance with standard banking practices and applicable regulations, the charge-off was reported to the credit bureaus.
We have made several attempts to contact the customer to discuss the matter, including phone calls, a voicemail, and an email, but have not received a response.
We remain committed to resolving this matter and encourage Mr. ******** ***** to return our calls or respond to our email. If he believes there are additional issues to review, we welcome the opportunity to discuss them and are prepared to work with him toward an appropriate resolution.
Sincerely,
BankFinancial
Customer Service DepartmentInitial Complaint
Date:04/09/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
March 19, 2025 bank stop payment on check from **************************. Charged my account $1,631 plus $50. Overdraft charges.7050202231 lost check.Business Response
Date: 04/25/2025
To Whom It May Concern:
Thank you for the opportunity to respond to the complaint filed by Ms. ******* ******* regarding her account ending in -2231.
Upon thorough review of her account, the following timeline of events was confirmed:
- On March 19, 2025, Ms. ******* deposited a check in the amount of $1,631 from ****************** into her account.
- On March 21, 2025, she issued a payment in the same amount ($1,631) to *****************************, utilizing those deposited funds.
- On March 24, 2025, the deposited check was returned unpaid by ****************** with the reason "Refer to Maker." In accordance with standard banking procedures, we debited her account for the returned item in the amount of $1,631 on the same day.
- A $15 deposit return fee was also assessed per our published fee schedule. However, this fee was fully refunded as a courtesy on March 27, 2025.
- As a result of the returned deposit, the account became overdrawn and remained in a negative balance through March 31, 2025.
- Per our account terms and fee schedule, an Extended Overdraft Fee of $5 per business day was applied starting on the third consecutive business day the account remained overdrawn. Fees were assessed on March 26, 27, 28, 29, and 31, totaling $25.We understand Ms. ********* concern; however, the account activity and resulting fees were consistent with our disclosed terms and the banks standard procedures for handling returned deposits and overdraft conditions. The debit of $1,631 was not a charge or fee, but a reversal of the original deposit after the check was returned unpaid by the issuer.
We recommend Ms. ******* contact ****************** to understand the reason behind the returned check. Should she require any documentation or assistance from the bank in that regard, we would be happy to provide it.
We hope this clarifies the matter, and we remain available to discuss any further questions the customer may have.
Sincerely,
**********************
Customer Service DepartmentCustomer Answer
Date: 04/30/2025
Complaint: 23183529
I am rejecting this response because:
On 2-10-25 l canceled my home owners insurance policy. At ******************** on my mortgage charges $1,613. So Hartford sent me refunds. I sent check to mortgage company **********. They stopped payment check now overdraft on me. I call Hartford 3-15-25 say ********** never sent them another check. I a paid $1,631 and 40$ overdraft fees. No refund check. Called ********** 3-29-25 said they will review. Two checks in escrow for $1.631. They only sent me 158. 00 check please I need help.
Senior widow borrowed money to pay off all these charges They playing pass the ball. I need my money
Sincerely,
******* *******Customer Answer
Date: 05/08/2025
Complaint: 23183529
I am rejecting this response because:
Hi I thought this case was settled Hartford sent me a check for $1,631. May 2, then stopped payments again. Please help $34.00 overdrafts again. This is stressful and a heart ache. Seniors should not have to go through this.
Sincerely,
******* *******Business Response
Date: 05/14/2025
Response to BBB: Complaint # ********
To Whom It May Concern:Thank you for the opportunity to respond to Ms. ******* ********* additional comments.
Following a recent telephone conversation with *********** we are pleased to report that she now understands the situation was the result of a misunderstanding and that BankFinancial was not at fault. The issue arose when her original insurance check was returned, which caused her account to become overdrawn. The customer has since received a replacement check from ****************** for the same amount and deposited it into her account at another institution.
Although BankFinancial was not responsible for the returned check, we value our customer relationship and strive to offer a positive experience whenever possible. Ms. ******* has expressed appreciation for our assistance and requested that we consider crediting the remaining $25.00 (representing five $5.00 daily overdraft fees). As a gesture of goodwill, we have credited $15.00 in overdraft fees to her account.
While we respectfully maintain that these fees were assessed appropriately and in accordance with our account terms, we have advised the customer to contact ****************** to seek reimbursement for any remaining fees, as the error originated with them.
We trust this clarifies our position and the steps taken to support the customer.
Sincerely,
**********************
Customer Service DepartmentInitial Complaint
Date:03/18/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I was charged $35 for a 1.35 overdraft fee, when I have 3 other accounts that could have cover it. I made a transfer the same day and was still charged $35 fee.Business Response
Date: 03/25/2025
Better Business Bureau of ******* & ***********************
***********************************
***********************
Response to BBB: Complaint # ********
To Whom It May Concern:
At BankFinancial, we value our customers and appreciates the opportunity to address their concerns.
Upon reviewing this matter, we found that the overdraft fee in question was not triggered by the small transaction referenced by our customer. Instead, a subsequent, larger overdraft resulted in the fee. Our system is designed to prevent overdraft fees on very small transactions.
That said, as a courtesy and in the interest of customer satisfaction, we have refunded the $35 overdraft fee as a one-time accommodation.
BankFinancial encourages responsible account management and offers alternative solutions to help customers avoid overdraft fees. If preferred, we have account options that return transactions presented against insufficient funds without incurring an overdraft fee. We will have one of our **************** Representatives contact Mr. **** to discuss these options to help prevent similar situations in the future.
We appreciate the opportunity to resolve this matter and remain committed to assisting our customers with their banking needs.
Sincerely,
BankFinancial
**************** DepartmentInitial Complaint
Date:05/16/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Close my account for no reason n bad attitudeCustomer Answer
Date: 05/16/2024
Becose they trying to rip us off by making excuses to close the account n took there sweet timeBusiness Response
Date: 05/21/2024
To Whom It May ********************* you for bringing this matter to our attention. We value all feedback from our customers and strive to address any concerns promptly and effectively.
After conducting a thorough search in our records, we were unable to match an active account under the *****************************, provided in your complaint. To better assist you and resolve this issue, could you please provide us with additional information or any other relevant details that *** help us identify your account?
We apologize for any inconvenience this *** have caused and assure you that we are committed to providing exceptional service to all our customers. Once we receive the necessary information, we will do our utmost to address your concerns promptly.
Thank you for your cooperation and understanding.
Sincerely,
BankFinancial
Customer ******************Initial Complaint
Date:12/01/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 09 WOOD RESIDENTIAL SERVICES ACCT #: *******BAL. $760.00 Under the Fair Credit Reporting Act, 15 U.S.C. ****g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Business Response
Date: 12/19/2023
RE: Complaint 20944679
To Whom It May ********************* thoroughly checking our BankFinancials records, we found no loan or account records under ***************************** or 09 **************** Services Account #*****. We believe this may have been submitted to the wrong financial institution.
Please let us know if you have any further questions regarding this case.
Sincerely,
BankFinancial
Customer Service Department
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