Complaints
This profile includes complaints for Old National Bank's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 128 total complaints in the last 3 years.
- 34 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:10/07/2024
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.
The bank alerted me to a suspected fraudulent ATM withdrawal of $300 from my account on 09/16/2024. I confirmed to the bank that it was indeed fraudulent. The bank later notified me that the transaction looked legitimate and refused to credit my account.
On 09/16/2024 I was far away from the ATM in question. (In fact I was on a flight out of Indiana before the transaction took place). Nobody but me was in possession of my debit card. This was clearly fraud - the bank told me the perpetrator came back to withdraw another $300 from the same ATM but was denied. Yet the bank has refused to credit my account for the stolen amount. That is after 25 years of having me as a problem free customer.
Business Response
Date: 10/09/2024
Upon receipt of Mr. ********s BBB complaint, the client’s issue
was escalated. The Bankcard Services
Team conducted a secondary review of the ATM withdrawal dispute. It has been determined that the original
claim should not have been denied. On
10/08/2024, the bank issued dispute permanent credit in the amount of $300.00
to the client’s checking account.Old National would like to apologize for the inconvenience
and appreciates the client making us aware of this matter.Initial Complaint
Date:10/07/2024
Type:Status:ResolvedMore 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.
On October 3, 2024 transferred $500 from one of my Old National Bank accounts to my Chase Bank account . I Zelle’d $500 to my husband’s phone number which is connected to Zelle on our Chase account. Old National is showing this as posted. Chase is not and has no pending transactions on our Chase account. When I called Old Nationals customer service center I was told it showed posted so it was Chase’s problem. Chase advised me if it’s coming from Old National and they cannot see a transaction , it is stuck on the Old National side, which makes sense. This should be an immediate transfer. I will add that when I was on the line with ONB customer service I could fully hear the conversation of another associate including personal information of whoever they were speaking with which is unfortunate. Please research where my money is. I have emails and all information from both institutions and would like this resolved and either the money placed back in my ONB account or money successfully sent to my Chase account.Customer Answer
Date: 10/07/2024
I received the transfer. This complaint is no longer needed.Initial Complaint
Date:08/31/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
1)Beginning of Juny they increased my escrow payment from 61$ to 437$ .they are saying that this increase is related to wind insurance wich was added to my loan. The wind insurance is close to 2000$ a year and plus the other escrow charges that I have ,the total escrow payment should be 208$ a month.
2)when I am requesting from them the proof of the payments that they are making for the this insurance, I get no answer from them and no one can help me with that ,and also I am requesting from them the certificate of this insurance I get the same answer. When a call them to figure this out ,they are saying that will check if the insurance department and call me back .Nobody called me back never.Business Response
Date: 09/13/2024
Mr. ********’s Homeowner’s insurance (HOI) policy does not
contain wind coverage. The client’s
Hazard insurance policy does contain wind coverage, but only for $50,000.00. Wind coverage is required so the borrower
received a force placed insurance letter for the difference of the loan amount
minus the borrower’s homeowner's insurance.
On 03/19/2024, the amount of coverage required was updated due to a
regular loan payment received when the force placed insurance was issued. On 03/25/2024, the amount of force placed insurance
was updated to $148,300.00 which covers the loan balance because the borrower’s
HOI policy expired. Old National has
received the borrower’s new HOI policy, so the force placed insurance amount
has been reduced to $98,300.00. A copy
of evidence of insurance has been attached.The client’s base escrow payment is $208.96 as he has
referenced. The additional amount of $171.19
is the shortage of $2,739.11 divided by 12 months. The shortage is due to the payment of force
placed insurance in April 2024. A copy
of an Escrow Analysis has been attached.Customer Answer
Date: 09/19/2024
Complaint: ********
I am rejecting this response because:
Sincerely,
********* ********1)Attached you will find the one of the last letters that I received from them saying that my flood insurance isn't applied anymore, because our building/condo association insurance covers the amount of my loan, and this insurance was covering my loan for years, but this people never understood that when I was on the phone with them and never removed this charge from my escrow account and I was never reimbursed for that,but where are those money?Even now,they don't remove this charge from my escrow account, wich is still 437$ a month.
2)Ask them to give you the recorded conversation from march ,I was in contact with them regarding my wind insurance, and when I provided them the wind insurance I specifically asked them couple times "this insurance covers my loan" and the answer was yes, you are good now and then after that they decided that this isn't enough and purchased the insurance for 2000$ wich cover 49000$ only. By the way ,insurance that I purchased costed me 350$ and it covers 50000$,so think about this one as well.
Business Response
Date: 10/03/2024
The original complaint submitted by Mr. ******** on
08/30/2024 did not reference flood insurance.
The borrower has received force placed flood letters every year because
either his policy or the HOA policy was not received. The HOA policy covers the outside of the
building, but his flood insurance covers the walls inside. Currently, the only force placed flood
premium the borrower has been charged is from 08/01/2022 through 09/24/2022 in
the amount of $234.18. If Mr. ********
can provide proof of coverage during this timeframe, we would be able to cancel
and refund this force placed policy.The conversations with the borrower from March 2024 have
been reviewed per his request. On 03/18/2024,
Mr. ******** contacted the bank and discussed wind insurance only. The borrower did not mention the amount of
wind insurance purchased. He called
again on 03/29/2024 regarding his wind policy.In the letter, the borrower is advised that insurance the
bank may purchase for them may be more expensive than if the borrower purchased
it themselves.The borrower has also spoken with the Mortgage Servicing
Team. The team has provided the same
information shown in our response.Initial Complaint
Date:08/28/2024
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.
08/26/2024 i went to old national bank me and my 89 year old mother and my daughter we was there for about 40 minutes before someone ask who was next because the other agent was busy with someone else so i said finally some help just making a statement and he replied we don't except you being rude and if you don't apologize you want receive any service i told him i wasn't going to apologize for making a statement he was loud and rude and told me that he wasn't going to service me and i had to leave this was the worse experience and horrible customer service i ever received and when i was asking the teller what his name was he told me he was the manager and his name was ******* i asked because i wanted to report him to the corporate office then he said he was going to call the police on me I'm 68 years old all i came to the bank for was to remove my mom name off the account and add my daughter name due to my mom's age now I'm going to close my safe deposit box with them and go to ********* bank i been with them a long time before they changed the name and always received great service at the location on the north side at this point i think he was acting a little racist i never been talked to like that before now i need to see if he has any other complaints because he was to comfortable talking down to me like that if anyone is owed and apology it would be me i think he judged me by the way i was dressed but i was painting my porch and i had paint on my shoes which paint on my clothes and shoes which isn't his business dealing with the public is the last job he needs to have i was very offended I'm not sure if he don't like blacks or he think women should bow down to him i need to talk to someone so they can help me with my situationBusiness Response
Date: 09/11/2024
On 08/26/2024, the client went to the Old National Bank
location in ********* ****, IL. The
client wished to remove an existing signer from a safe deposit box and to add a
new signer. The physical safe deposit box
is located at Old National’s ******* ****** location. The bank encourages maintenance for a safe
deposit box to be performed at the banking center where the safe deposit box and
the Safe Deposit Lease are physically located.
Due to this, it is preferred that maintenance for the safe deposit box be
conducted at the ******* ****** location.Upon the client’s arrival at the ********* **** IL location,
the Banking Center Manager was addressing a time sensitive issue with an
internal department via telephone. Unfortunately, this did cause the
client to have a longer wait time than the normal average wait time. Once
the manager finished addressing the issue, he attempted to service the
client. Per the manager’s account, the client was upset about the wait
and used inappropriate language towards him. Due to the use of vulgar
language by the client towards the manager and the refusal to apologize for
using vulgarities, service to the client was denied.The client’s BBB complaint has been shared with the
Community Banking Market Manager to address and resolve. According to the Market Manager’s research, the
client reached out to the Banking Center Manager of the ******* ****** location.
The client escalated her concerns to him, and the ******* ****** Manager
addressed and resolved those concerns. The Market Manager also made
multiple attempts to contact the client at the phone number provided. The Market Manager provided his name, title,
and callback information via voicemail, but the client has not returned the calls as of Old National’s response date.Initial Complaint
Date:08/05/2024
Type:Status:ResolvedMore 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.
My sister and I have attempted to remove our deceased mother's name from jointly owned savings and checking accounts at Old National Bank in **********, Wisconsin. Additionally, the bank has a CD on which we are the named beneficiaries. The bank is requiring a Testamentary Letter to proceed with these transactions. In the state of Wisconsin there is a provision (form) for Small Estates that this bank is unwilling to accept. Because of this my sister and I will need to open the probate process which likely will cost us thousands of dollars and hours of inconvenience. Other banks in the area have been willing to accept a death certificate and forms of identification for these types of transactions.Customer Answer
Date: 08/05/2024
The matter was resolved to our satisfaction.Initial Complaint
Date:07/22/2024
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.
Old National recently took over ******* bank. I can now only view 7 days of transactions, instead of 30 days. This would be okay if my statement was weekly instead of monthly.
Please fix this in light of the current situation with so much identity theft. I need to have visibility on all accounts. Thank you in advance!Business Response
Date: 07/24/2024
On 07/15/2024, Old National Bank completed a
merger and converted systems from ******* Bank. On 07/15/2024, legacy
******* clients were able to log into their Old National Bank Online Banking
account. The ******* transaction history would
not be accessible through Old National Online Banking. However, legacy ******* clients can access the last 24 months’
worth of eStatements in Old National Online Banking if they would like to look
up past transactions that way.Any transactions
that were made over the conversion weekend period, 07/12/2024 through
07/14/2024, were viewable in Old National Online Banking starting on
07/16/2024. It was recommended to download or print the *******
transaction history before 7pm CT/8pm ET Friday, July 12, and retain it for record-keeping
purposes.
A
Welcome Booklet containing the information provided was mailed to our legacy
******* clients on 06/10/2024. Going forward, Old National’s Online
Banking will provide up to the last 12 months of Old National Bank accounts’
transaction history for legacy ******* Bank clients.Initial Complaint
Date:07/18/2024
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.
I was a member of ******* bank had been for years onb took over just this very week I had over 4,000 in my bank and was using it to make purchases and they cleared my account and have texts to show it once onb took over they took a day and then uploaded the transaction history and double charged me for all of the purchases placed me negative over 1,000 dollars I have tried to call them just to be hung up on they sent me noticed saying they were going to charge me 7.00 a day in over draft I had not received any notice of overdraft fees nor did I consent to have overdraft protection this bank is attempting to take money from me when I never overspent nor will they close my accountBusiness Response
Date: 07/31/2024
On
07/15/2024, Old National Bank completed a merger and converted systems from
******* Bank. Legacy ******* clients
were advised that any
debit card transactions made after 6pm CT/7pm ET on Friday, July 12, may not be
reflected in the available balance right away. Card transactions made after that time would
begin posting to the account the evening of Monday, July 15, but may take
several days for the account to reflect an accurate available balance. It was recommended that clients keep track of
any card transactions made during that time to avoid overdrawing an account. A Welcome Booklet containing this information
was mailed to our legacy ******* clients on 06/10/2024.On the date of conversion, 07/15/2024, the client’s Old
National Bank beginning account balance was $919.16. The account balance became overdrawn once debit
card transactions totaling $1,176.97 began posting to the account on
07/15/2024. Additional transactions on
07/15/2024 included a $600.00 checking withdrawal, 3 X $200.00 internal
transfers from the checking account to the client’s savings account, and one
$500.00 internal transfer from the savings account to the checking
account. All items were paid, and no
bank errors were found.On 07/30/2024, the client’s account was referred to vendor
********** for collections services and they will begin reaching out to the
client. The client may contact
********** at ************ for further assistance with her account.Customer Answer
Date: 08/01/2024
Complaint: ********
I am rejecting this response because:
There is no way my begining balance was 916 and I can show where debits from a week prior are showing as though they were made on the 15th when they should not be showing the 15th and also the week prior I had a total of 4,400 deposited to the account also I didn't have over draft protection on the said account so the bank needs to figure out why they are not showing the 4,400 deposit and why purchases that were made on the 11th are showing as the 15th again I had over 4grand deposited and transfered money to checking for every purchase they need to go back to that deposit and subtract all transactions
Sincerely,
******* ******Business Response
Date: 08/02/2024
Old National
Bank has attached four (4) ******* Bank statements covering the timeframe of 04/11/2024
to 07/14/2024 for the client to reference.
The ******* Bank account activity shown on the statements was prior to
the Old National Bank merger on 07/15/2024.
******* Bank records indicate two transfer credits posted to Ms.
******’s checking account on 07/09/2024.
The transfer credit amounts were $2,000.00 and $2,400.00, for a total of
$4,400.00. The attached statements also
include debit transactions that cleared the ******* checking account which
reduced the account balance. A specific
debit transaction to note is a $4,000.00 Internet/Phone Transfer debit to *******
savings account ending in **** processed on 07/09/2024.
The current Old
National Bank account activity as of 08/01/2024 has also been attached for the
client’s records. The account activity
printout includes transactions that were posted to the Old National checking account
from 07/15/2024 to 07/19/2024.
If Ms. ******
finds any discrepancy in these records, the client may contact her local
banking center or our Client Care team for further assistance.Customer Answer
Date: 08/04/2024
Complaint: ********
I am rejecting this response because: this statement is from April it has no relevance to this complaint
Sincerely,
******* ******Business Response
Date: 08/05/2024
Old National
Bank submitted a response to Ms. ******’s first rejection on 08/02/2024. It was explained that four (4) ******* Bank
statements covering the timeframe of 04/11/2024 to 07/14/2024 were attached to
the Old National response for the client to reference. Also attached was the current Old National
Bank account activity as of 08/01/2024.
The account activity printout included transactions that were posted to
the Old National checking account from 07/15/2024 to 07/19/2024.
The ******* account
statements going back to April and Old National account activity were supplied
to ensure the client had the information needed to thoroughly review previous
transactions. Due to the five (5) documents
exceeding the size capacity for attachments allowed in the response sent on
08/02/2024, Old National sent a “More Information” message to the BBB on
08/02/2024 advising the ******* Bank April statement was sent separately.Customer Answer
Date: 08/05/2024
Complaint: ********
I am rejecting this response because: the statement that showed only goes to 5/13 the issue is with July only and I also received a letter stating I was iver 500 negative now which is it it seems to me that yall do not even know what is going on nor will I pay anything that I do not owe it is your job to show where the over 4,000 dollars went
Sincerely,
******* ******Business Response
Date: 08/09/2024
Old National
Bank submitted a response to Ms. ******’s first rejection on 08/02/2024. It was explained that four (4) ******* Bank
statements covering the timeframe of 04/11/2024 to 07/14/2024 were attached to
the Old National response for the client to reference. Also attached was the current Old National
Bank account activity as of 08/01/2024.
The account activity printout included transactions that were posted to
the Old National checking account from 07/15/2024 to 07/19/2024.
The CapStar
account statements going back to April 11th to July 14th,
and the Old National account activity from July 15th to July 19th were supplied as a courtesy to ensure that the client had the information
needed to thoroughly review previous transactions. Due to the five (5) documents exceeding the
size capacity for attachments allowed in the response sent on 08/02/2024, the
******* Bank statements for May, June and July and the Old National account
activity for July were sent with the Old National response on 08/02/2024. Then, Old National sent a “More Information”
message to the BBB on 08/02/2024 advising the ******* Bank April statement was
sent separately due to exceeding the size capacity for attachments.
Old National has
attached only the ******* Bank statements with July activity in this response to eliminate
any confusion. Also attached is an account
activity of the Old National checking account printed on 08/09/2024. The Old National account activity begins on
07/15/2024.
On 07/30/2024,
the client’s account was referred to vendor ********** for collections
services. The client may contact
********** at ************ for further assistance with her account.Customer Answer
Date: 08/11/2024
Complaint: ********
I am rejecting this response because: I see alot of purchase that are showing on the 15th that were not made on the 15th they were made the week prior and I can show when they were made I'm also not the only one having this issue with this bank
Sincerely,
******* ******Business Response
Date: 08/19/2024
On
07/31/2024, Old National Bank provided a response addressing posting dates for
transactions during the merger. On
07/15/2024, Old National completed a merger and converted systems from *******
Bank. Legacy ******* clients were
advised that any
debit card transactions made after 6pm CT/7pm ET on Friday, July 12, may not be
reflected in the available balance right away. Card transactions made after that time would
begin posting to the account the evening of Monday, July 15, but may take
several days for the account to reflect an accurate available balance. It was recommended that clients keep track of
any card transactions made during that time to avoid overdrawing an account. A Welcome Booklet containing this information
was mailed to our legacy ******* clients on 06/10/2024.
Old National has provided ample information to address the
client's concerns as well as having provided documentation for the account
activity. On 07/30/2024, the
client’s account was referred to vendor ********** for collections
services. Ms. ****** must contact
********** at ************ for further assistance with the account. The bank considers this matter closed.Customer Answer
Date: 08/20/2024
Complaint: ********
I am rejecting this response because:
I never receives such booklet and transactions from before the 12th are showing up on the 15th ONB has yet to tell me where 4,000 has gone there are several others who have had similar of not the same issue and they are doing absolutely nothing to fix this they also have yet to tell me why the app falsely claims I'm 255 negative but yet I received a letter stating I was Farley over 500 negative
Sincerely,
******* ******Initial Complaint
Date:07/16/2024
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.
I made a dispute on a fraudulent charge right away after happened. The bank will not give me my money back and they had plenty of time to catch it and stop the payment.Business Response
Date: 07/30/2024
The initial goods/services not received dispute was filed on
04/11/2024 and was denied because the client did not allow sufficient time for
the service to be rendered. The second dispute was received on 04/22/2024. The checking account received provisional
credit on 04/24/2024 in the amounts of $927.00, $912.00, $911.00, $910.00, and
$900.00.
The five provisional credits were reversed on 06/11/2024. A
letter was mailed to the client on 06/12/2024 to advise that we have determined
that no error occurred. The transactions were authorized, and the merchant
completed the service requested. Therefore, we are unable to pursue recovery on
their behalf.
The merchant provided the contract that the client agreed to and
included the payment schedule. ***** ********* signed the contract with ********* ****** *** LLC. We have included a copy of the documents received
from ********* ****** *** LLC.
Old National Bank considers the matter closed. If the client
wishes to pursue reimbursement, this will need to be done directly with the
merchant.Customer Answer
Date: 07/30/2024
Once I excepted this contracted and the debit went through my account, it was credited to a **** *****. That is when I called the bank to have it stopped. I never agreed to pay anyone by the name *****. I told the bank and that is why they reversed it. The contract says nothing about, anyone named ***** that should be enough information to have my money refunded. See attached clip of the debits going to ***** *****. That is where the money went for this transaction nowhere in that contract did it say I was paying **** *****. I knew that this was a scam obviously they couldn’t take the money out of my account until I signed the contract.. So I wouldn’t have seen this part of the scam until after I signed the contract, why the bank gave him the money back the second time is the question, They need to refund my money. There has been no adjustments to my student loan. My Fed loan has not been contacted by any third-party to this day.Business Response
Date: 08/01/2024
We have reviewed the additional information provided through
the BBB. Ms. ********* entered a contractual agreement with Financial Relief
Aid LLC and agreed upon the payment amounts provided in the invoice area of the
contract. It appears that the $4,560.00 was a portion of the enrollment fee
outlined within the contract with ********* ****** *** LLC. The merchant took
the amount of $4,560.00 and separated it into five different debit card
transactions. The debit card transactions posted to Ms. *********’s checking
account in the amounts of $927.00, $900.00, $912.00, $911.00, and $910.00.
Old National Bank has no control over the naming convention
of how posted debit card transactions appear within a client’s account history.
As Ms. ********* mentioned, these particular debit card transactions posted
with a description of the name ***** *****.
The bank stands by its initial determination that the
transactions were valid and the dispute remains denied. If the client wishes to
find out further information regarding the association of ***** *****, this
will need to be done directly with ********* ****** *** LLC.Customer Answer
Date: 08/02/2024
Complaint: ********
I am rejecting this response because:
I have no more information to give you. I am not satisfied with the bank decision.
Sincerely,
***** *********Initial Complaint
Date:07/15/2024
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.
I am not liabale for this debt with Old National Bank. I do not have a contract with Old National Bank. They did not provide me with the original contract as I requested.Business Response
Date: 07/26/2024
On July 11, 2022, Old National Bank (ONB) completed its
merger and converted systems of record with ***** ******* **** (FMB). Mr. *******’s loan was charged off by legacy FMB
in February 2020. The reporting is
accurate per the payment history for when the loan became delinquent and
charged off before the FMB conversion with ONB.The loan documentation from origination and collections
letter have been attached for the client’s records.Initial Complaint
Date:07/11/2024
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.
My phone was stolen.December 31st 2023. I noticed fraud in February when went to Old National Bank ATM --my bank , and stunned.when showed no money. Called my branch and they explained that I made numerous payments.to my Capital one card balance with checking account I had on file in last few days. OMG! I replied why would you pay.them when you can see I made payment as usual on date and the fraud department as well as the employees here, including you know I can't afford to do that and no history . The bank.associate told me with disturbing confidence that their clients did all time and it wasn't their job and I should tell Capital one that they made error taking.my money and warn them to give back
They replaced money they had paid to them without question so cavaliers and never gave me a alert. They gave me alert day before on Target purchase under 30. They ruined.my reputation by saying I was in on scam and was mad I made so many psyments.. I had been in constant contact with fraud department during this horrible nightmare until the Capital one people informed me what bank said and that encouraged them to permantly close my accounts.i needed those cards and was so excited and proud I had worked on credit and reward was once again gaining points and eager to get.back to high 700s like it was before.lost job. Now I lost other vards and credit score going down.to 400 cause Capital.one also owns credit wise. I can't go to my grave accepting this..I had to.have complicated surgery in Aptil when suddenly cervical spine was on spinal.cord and causing threatening paralyzation. Sadly I read several other stories on your website that show.their llack of knowiledge about truth responsibly fidelity and having courage and inyegrity Do they really believe people believr them and will just
look other.way. I would be be ashamed and hide . They about themully behavior and wrong research and not knowing the meaning of truth fidelityBusiness Response
Date: 07/24/2024
On 01/17/2024, Ms. ********’s checking account was debited
$200.00 for a Capital One Phone Payment.
On 01/18/2024, the account received five (5) debits for $52.00, $111.00,
$200.00, $200.00, and $324.19. All five
debits were Capital One Mobile Payments.
The total amount of the six Capital One debits equaled $1,087.19.On 02/12/2024, Ms. ******** filed an ACH unauthorized debit
dispute for $1,087.19 with Old National Bank.
On 02/12/2024, the account received a credit of $1,087.19 for the dispute
provisional credit. On 02/20/2024, the
merchant returned all six items and a total credit amount of $1,087.19 posted
to the account balance. Due to the merchant
returning all six debits, the $1,087.19 dispute provisional credit issued on
02/12/2024 was reversed on 02/22/2024.On 05/13/2024, a $9.95 service charge fee was assessed
resulting in a negative account balance of -$7.12. On 06/13/2024, an additional $9.95 service
charge fee was assessed, and the account balance was -$17.07. On 06/27/2024, a system automated service
charge refund of $17.07 was processed, and the account was closed.Due to the service charge fees being the cause of the negative
balance, the account was not reported to ChexSystems or CashPro for collection
purposes. Old National Bank was not involved with any negative credit reporting.
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