Consumer complaint received 2021-11-06
Company: MIDFIRST BANK
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened a Midfirst account online around XX/XX/21. The bank said it had to make a deposit and withdrawal on my funding account to verify it was indeed mine and that it could take a couple of days. Around XX/XX/21. I decided to call Midfirst and they were unsure of the issue. Finally when someone was able to help me they stated that found out the account was stopped from being created. I later tried to speak to a supervisor by the name of XXXX but she had to call me back the following day. By the time XXXX called me the following day I had called a local branch and asked them if they knew anything and the first representative told me they use XXXX to run a credit check and if it came back bad that is the main reason they would not allow me to open a account. When XXXX called me back the following day she simply said she could not do anything and that she had no further information for me and she was sorry. I explained she is a bad supervisor for not knowing that they use a credit checking software by the name of XXXX and she got extremely quiet and said she's not able to speak about that or what it had to do with me. I told her that its unkind to lie by omission and that using a credit software system for creating a checking account was absurd because I can only spend my own money. Put simply it is not a credit card so you have no reason to run that type of check. After I got off the phone with her I contacted XXXX and asked about the issue. The gentleman could barely speak XXXX and it was loud in the background. I asked him what report his company gave to Midfirst about me and he instructed me to get a copy of my free consumer report. I eventually pulled it up and was amazed to see a bank I currently use, a credit card I currently use, a credit union that I recently closed as they were terrible business people and Midfirst bank. I asked him why they inquired about me and he had no ideal. I told him to take it off because I have no idea why they are there and did not approve anyone to search for me. Then over the course I received letters in the mail letting me know that each inquiry was moved from viewed by other to viewed only to me. By this time it is XX/XX/21. I decided to go try to open the account because surely that must have been the reason XXXX denied me a account. Nope, I was wrong. They still denied me and instead handed me a piece of paper to contact XXXX. Which is completely a waste of time because they have nothing to do with the Midfirst bank that denied the account. It even clearly states that the report from XXXX was used for our decision but that they would be unaware of why you were denied. Both of these companies are acting like children. Midfirst says oh the issue is with XXXX then you repair your consumer report and think your ready to go so you go to try to open the account and Midfirst says no sorry go talk to XXXX we cant help you. All while every time you speak to someone at XXXX they get to play XXXX and say we have no idea what is wrong. You need to talk to whatever bank used our service. Needless to save Midfirst is garbage because they wont come out and tell you why they wont open a account with you but just place the blame on XXXX but they throw the blame back at Midfirst and we as the consumer pay the price. XXXX is a terrible company and should be liquidated and put out of business. They sale our information just to make a profit but they do not even care what they are reporting. Midfirst could use some work as well. It completely obnoxious to run your company that way and not even have anyone on staff to talk to about why your being denied. If you want to deny people from having a account then you should very clearly tell them why.

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 explanation