Consumer complaint received 2019-05-08
Company: FIRST MIDWEST BANCORP, INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
First Midwest Bank in XXXX XXXX Illinois stated that it is normal if an ACH withdrawl goes through several times with no way of stopping it in time for them to charge XXXX dollars each time! How can this be legal? I tried to stop the ach withdrawls as these were just set up and I could not stop it in time and they are still charging. So banks can go ahead and legally rob a person? This is robbery and of course they say it is a process! But they purposely put the account in negative! I made a deposit of XXXX and they charged XXXXx13 how can this be legal! They can even initiate these withdrawls themselves the consumer has no way of knowing this - they can run this in batch on purpose and they can keep on withdrawing. I called my life insurance and the illinois depart of revenue and my insurance and they stated they only put this through one time! I want to see their batch processing at First Midwest and the intitiator then I want to go back to those companies and see their batch intitiators! This is a hoax and a flaw in the system so they can make money and a he said she said game! We have no control over this and I called the customer service line and the answer was yes we can charge as many times as we want 5 times each day! And of course they made sure to do that! Wow what a great government that allows banks to do this! Yes I want this published about this bank! And there is no way of getting around this once set up but closing the account! 

Date Number Description Amount Balance Click to expand XX/XX/XXXX XXXX XXXX  XXXX XXXX In-process XXXX XXXX Click to expand XX/XX/XXXX CONTINUOUS OD FEE XXXX XXXX Click to expand XX/XX/XXXX RETURN OVERDRAFT FEE XXXX XXXX Click to expand XX/XX/XXXX RETURN OVERDRAFT FEE XXXX XXXX Click to expand XX/XX/XXXX RETURN OVERDRAFT FEE XXXX XXXX Click to expand XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Click to expand XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Click to expand XX/XX/XXXX XXXX XXXX XXXX XXXX Click to expand XX/XX/XXXX ATM DEPOSIT XXXX XXXX Click to expand XX/XX/XXXX ATM DEPOSIT XXXX XXXX Click to expand XX/XX/XXXX XXXX XXXX XXXX XXXX Click to expand XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Click to expand XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX Click to expand XX/XX/XXXX RETURN OVERDRAFT FEE XXXX XXXX Click to expand XX/XX/XXXX XXXX XXXX CREDIT CRD XXXX XXXX Click to expand XX/XX/XXXX XXXX XXXX CREDIT CRD XXXX XXXX Click to expand XX/XX/XXXX RETURN OVERDRAFT FEE XXXX XXXX Click to expand XX/XX/XXXX RETURN OVERDRAFT FEE XXXX XXXX Click to expand XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX Click to expand XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Click to expand XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Click to expand XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Click to expand XX/XX/XXXX RETURN OVERDRAFT FEE XXXX XXXX Click to expand XX/XX/XXXX RETURN OVERDRAFT FEE XXXX XXXX Click to expand XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Click to expand XX/XX/XXXX XXXX XXXX  XXXX XXXX Click to expand XX/XX/XXXX XXXX XXXX XXXX XXXX Click to expand XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Click to expand XX/XX/XXXX RETURN OVERDRAFT FEE XXXX XXXX Click to expand XX/XX/XXXX RETURN OVERDRAFT FEE XXXX XXXX Click to expand XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Click to expand XX/XX/XXXX XXXX XXXX XXXX XXXX Click to expand XX/XX/XXXX XXXX XXXX  XXXX XXXX Click to expand XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Click to expand XX/XX/XXXX RETURN OVERDRAFT FEE XXXX XXXX Click to expand XX/XX/XXXX XXXX XXXX CREDIT CRD XXXX XXXX Click to expand XX/XX/XXXX XXXX XXXX CREDIT CRD XXXX XXXX Click to expand XX/XX/XXXX ATM DEPOSIT XXXX XXXX Click to expand XX/XX/XXXX RETURN OVERDRAFT FEE XXXX XXXX Click to expand XX/XX/XXXX RETURN OVERDRAFT FEE XXXX XXXX Click to expand XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Click to expand XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Click to expand XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Click to expand XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Click to expand XX/XX/XXXX XXXX CARD ONLINE XXXX XXXX Click to expand XX/XX/XXXX XXXX XXXX XXXX Click to expand XX/XX/XXXX XXXX XXXX XXXX Click to expand XX/XX/XXXX XXXX XXXX XXXX Click to expand XX/XX/XXXX XXXX CARD ONLINE XXXX XXXX Click to expand XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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