Consumer complaint received 2022-10-13
Company: OLD NATIONAL BANCORP
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Thursday XX/XX/2022 On XXXX XXXX XXXX, I mailed a check to XXXX XXXX  in memory of my Wife, XXXX XXXX who passed away on XX/XX/XXXX. The check was made out to XXXX XXXX for {$1000.00}. It was check number XXXX. It was drawn on account XXXX at the First Midwest Bank. My wifes name was written on the FOR line of the check. The date on the check is XX/XX/2022. The check was sent by US mail to XXXX XXXX, XXXX XXXX XXXX, XXXX, IN XXXX. 

Thursday, XX/XX/XXXX During the afternoon of XX/XX/XXXX, I checked my bank balance. There was a large check containing an unfamiliar pay-to name. The check was the exact one that I sent to XXXX XXXX. The XXXX name was replaced with the strange name shown on the image of the check in the attachment and the amount had been changed to {$4000.00}. I called the Bank and was told to go to an office and file a Check Authorization Affidavit. 

A copy of the altered check is attached Friday XX/XX/XXXX I drove to the XXXX branch of the Bank to file the required form. It took over a half hour to complete the transaction because it was the first time the Bank Officer had to file such a complaint. He told me that it would be two to three weeks before a resolution would be made and that I might have to file a complaint with the police. I did not file a complaint with the police at that time. 

When I returned home, I received a call from the Bank. There was another form that I needed to sign, an altered check form, since the information on the check had been changed. I agreed to return on Saturday to sign the form. 

Saturday XX/XX/XXXX I returned to the Bank. The officer to whom I spoke on Friday was not there. I went to an Officer at the next desk. She immediately recognized me. She had a paper that needed to be signed. I signed it and she notarized it. 

That same morning, I sent an E-Mail to XXXX with a copy of the check notifying XXXX  XXXX of the breach in security. 

Wednesday XX/XX/XXXX I drove to the Bank to ask for an update on the check. I sat at the Bank Officers desk for about a half hour before she said that she did not have an update, but when she received a response, she would send me an E-mail. 

Later in afternoon, after I returned to XXXX, There was a message on the phone from the Banker. She told me that there was no new information. She had been told that the research could take several months. 



Wednesday XX/XX/XXXX While at the XXXX XXXXXXXX XXXX  I asked if they could check on the status of the check. I was told that they could not access the information and that I needed to go to The XXXX branch for an update. 

Monday XX/XX/XXXX Monday, I drove to the Bank in XXXX to get a paper notarized. There was no Notary on duty. I then asked a Bank Officer to give me an update on the kitted check. She looked on her computer but could not find the record. She spoke on the phone and left word with someone. She then promised to call me with an update. 

After leaving the Bank, I drove to the XXXX XXXX XXXXXXXX XXXX to get a document Notarized. While talking to my XXXX XXXX on Saturday, concerning the document, he told me that I should have reported the check problem to the police. When I finished at the Bank, I drove to the XXXX Police Station where I reported the check. The Officer told me that since I had reported the problem to the XXXX XXXX Bank, I should report the crime to the police in XXXX. The Officer filled out a crime report and gave me a crime report number. He planned to send a copy of the report to XXXX. 

XXXX XXXX XXXX # XXXX took the crime report. The number assigned is XXXX. 

XXXX Police XXXX XXXX XXXX On XX/XX/XXXX, I was told that the Old National Bank was not responsible and that I should pursue the matter with XXXXIn XXXX, my account was with First Midwest Bank. Since that time, that Bank merged with Old National Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief