Complaints

This profile includes complaints for Midland States Bank's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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Midland States Bank has 22 locations, listed below.

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• 

  Midland States Bank

  1201 Network Centre Dr Effingham, IL 62401-4602

• 

  Midland States Bank

  One McKnight Place Saint Louis, MO 63124

• 

  Midland States Bank

  2290 W. Osage Pacific, MO 63069

• 

  Midland States Bank

  9800 Manchester Rd Saint Louis, MO 63119

• 

  Midland States Bank

  815 N. Commercial Saint Clair, MO 63077

The 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:04/03/2025

  Type:Billing Issues
  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,I am writing to formally file a complaint regarding an issue with my account with **********************/GREE Account number: ************ Account balance: $9,431.00, which I have been unable to resolve directly with them. I am requesting that the Better Business Bureau assist in removing this account from my credit reports.I have attached copies of relevant documents, including my driver's license proof of address, copy of my social security card a cover letter and the my credit report, to support my case.I kindly ask for your assistance in facilitating a resolution to this matter. Please let me know if you require any further details or documentation.Thank you for your attention to this complaint. I look forward to your response and to a prompt resolution.

  Business Response

  Date: 04/08/2025

  "******** reviewed the consumer's credit reporting and found it to be accurate. Under the Fair Reporting Credit Act, GreenSky is required to report the account accurately, and as such, is unable to remove the reporting. ******** attempted to contact the consumer to discuss their concerns further; however, they were unresponsive. ******** apologizes for any inconvenience the consumer experienced. It is our goal to continue to improve our process."
  

• Initial Complaint

  Date:12/12/2024

  Type:Billing Issues
  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 RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THEY WERE NOT OPEN BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT AS SOON AS POSSIBLE.

  Business Response

  Date: 12/17/2024

  The bank has reviewed the details of this complaint. Midland does not share the details about a customers interaction on public websites. An attempt is being made to contact the complainant.

• Initial Complaint

  Date:10/03/2024

  Type:Billing Issues
  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 filing a complaint against Midland States Bank/Greensky for unauthorized accounts that have been opened in my name. The details of the accounts are as follows:Account 1: Opened on 2/7/2022, Account Number: **************** Account 2: Opened on 2/7/2022, Account Number: **************** I did not authorize the opening of these accounts, and I am unaware of their purpose or any activity associated with them. I respectfully request assistance in having these accounts removed from my credit report and in addressing this matter with Midland States Bank/Greensky to prevent any further unauthorized activity.Thank you for your assistance in this matter. I look forward to a swift resolution.

  Business Response

  Date: 10/08/2024

  Midland
  States Bank and GreenSky have reviewed the details of this complaint. The bank
  does not share the details about a customer’s interaction on public websites.
  GreenSky reached out to the complainant regarding this matter and are awaiting
  a return call

• Initial Complaint

  Date:02/28/2024

  Type:Service or Repair Issues
  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 tried to open an account online and couldnt so I went into location. They opened the account and took my money to fund the account. When I asked for a debit card and checks they refused to give those things to me until I can verify my address. I have now provided documentation to verify my address but they have placed a hold on my account and cant lift it because now they say its labeled as something that they dont know what it means, and the account shouldnt not have been opened without verification of address. So this bank took my money and provided me nothing, no account number no checks or debit card. I gave them money and have no access to it. Ive done what they asked and provided verification but I still have nothing.

  Business Response

  Date: 03/04/2024

  The bank has reviewed the details of this complaint. Midland does not share the details about a customers interaction on public websites.The bank was in contact with the complainant on 02/28/24 and her concerns have been rectified. 

• Initial Complaint

  Date:11/09/2023

  Type:Product Issues
  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.

  Midland States Bank is engaging in unethical business practices by proactively paying my property taxes in full for the year ************************** and BEFORE they are due and then force placing escrow which they pad and collect more money than they pay. I continue to have this problem with Midland States Bank and want it to discontinue. I suspect they are padding all of their mortgages this way and I believe it is not only unethical yet unlawful.

  Business Response

  Date: 11/15/2023

  The bank has reviewed the details of this complaint and found the allegations to be false. Midland does not share the details about a customers interactions on public websites. The bank has been in contact with the complainant. If the complainant wishes to discuss further, he can reach out to the bank.

• Initial Complaint

  Date:08/26/2022

  Type:Service or Repair Issues
  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 had a central air conditioning system installed in my home by a company named ****** *** that contracts with Midland States Bank via their ******** *******. After a couple of months, the AC unit leaked and had water cascade down around my air conditioning return vent causing damage to my home's ceiling. I called ****** *** and he came out and told me that 'the fan speed was set too high' and that he fixed it by 'adjusting it'. A week later, it did it again. I called him back but he has ignored all phone calls. I then told ******** that since they contracted with him, that they are responsible. They told me that they contacted him but that he will not answer. I then read the back of a statement from ******** to me that says that 'if you are not satisfied with the service, you may not have to pay for it any longer'. I sent ******** a certified letter return receipt on July 5, 2022 that they signed for and accepted on July 14,2022 reminding them of this and asked for the loan to be forgiven. They ignored me and have now reported the account as a charge off to the 3 credit bureaus causing my credit score to drop significantly. (I have attached copies to this email).

  Business Response

  Date: 09/06/2022

  We (********) apologize for any inconvenience
  the customer experienced.  We contacted the customer by phone and via
  email.  The customer was unresponsive. The merchant was notified of the
  customer’s complaint about the damage to his ceiling caused by leaks around the
  air conditioning return vent.   The merchant explained that the leak
  was due to existing issues with the customer’s drain and duct work. 
   Previously, the merchant unclogged the drain and advised the customer to
  pour bleach down the drain as a temporary solution.  The merchant advised
  the customer to have his duct work repaired.  The merchant did not receive
  any additional complaints from the customer.  While we do understand the
  customer’s desire to have all the charges waived, he received the goods and services per his loan agreement, and he
  is responsible for the loan.  At ******** we strive for excellent customer
  service, and we will continue to improve our process.

  Customer Answer

  Date: 09/06/2022

   Complaint: ********
  
  
  
  I am rejecting this response because:

   

  The response is pure nonsense! There is nothing wrong with the duct work as I went to air conditioning school in the 1980s and am certified. The problem is that the merchant did not know what he was doing and set the plenum the wrong way that caused a clog in the pan drain. I fixed it myself and found that the merchant's helper left the air handlers manual in the drain pan. This eventually caused the paper to rot which turned into slime that clogged the pan's drain outlet. Therefore, the merchant and the lender are 100% responsible. The lender says I've been unresponsive? Then, why have I spoken to their resolution
  
  specialist 3 times? I also have many messages from their website I have printed out to prove same. I also send a certified letter with a return receipt asking to wave the loan if I am 'not satisfied as per their statement I supplied from the back of my billing statement. This company has already been sanctioned by the government and sued for predatory lending. As far as the merchant contacting me? He came to my home 'once' and tried to say the duct work. When I told him that it wasn't possible, he changed his tune to 'oh, it must be the fan speed that caused it as its set too high'. He assured me that him resetting it would solve the problem. Instead, it happened again a few days later. Therefore, ******** will clear the loan and update my credit files as paid in full or I will soon sue them in my local court of law for the damage to my home. As per the FCRA, I will also ask for damages.
  
  
  
  
  
  Sincerely,
  
  
  
  ****** * *****

  Business Response

  Date: 09/13/2022

  We (********) conducted a thorough review of your account and
  previous contacts with ********. We identified multiple occasions during which
  you communicated with a ******** representative regarding your account.
  However, the first mention of an issue with the product or installation
  financed with your ******** account occurred on April 7, 2022, which was more
  than two years after the transaction was processed. As a loan servicer,
  ******** is unable to assist directly with product issues; particularly when so
  much time has passed since your merchant provided it. You will be receiving a
  letter from ******** containing additional information regarding your
  complaint.  

  Customer Answer

  Date: 09/14/2022

  Complaint: ********
  
  
  
  I am rejecting this response because:

   

  More nonsense. Your merchant installer came to my house a few months after his installation of the new AC system because it was leaking. In your previous communication here, you've even admitted that. He then ignored me for a very long period of time with my multiple requests. This, even though I kept paying you the monthly payments, It then got to the point that I wanted you to do something about it as your merchant continued to refuse to reply to me. Again, there is nothing wrong with my duct work. Your merchant returned to my house ONE time saying it was a 'higher fan speed' that he said he adjusted to stop the leaking. At NO TIME did he ever mention anything about 'pouring bleach down the tray's drain pipe' to alleviate the problem. I'll reiterate for you. His helper left the air handler manual in the drip tray that turned to mush which clogged the drain pipe causing it to overflow and ruin my ceiling around the return vent. Since he refuses to answer me, I had no recourse but to go through you as you are responsible as the financier. Then, I utilized a statement YOUR company made on the back of one of my statements from you (that I have already uploaded here as evidence) that says "You may not have to pay if you are not satisfied with the work'. I sent you a certified mail asking to use this. You refused. Therefore, I am going to sue you in my local small claims court. As per the Fair Credit Reporting Act, I will also ask the court for damages for you reporting my account as a 'charge off' on my credit reports negatively affecting my credit rating. I have given you every opportunity to resolve this issue. But, you have refused. How do you think the judge will feel about you ripping off a disabled person? I will see you in court.
  
  
  
  
  
  
  
  
  Sincerely,
  
  
  
  ****** * *****