Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a continuous pattern of excessive, compounding, and predatory automated overdraft/NSF fees applied to my checking account ( ending in XXXX ) between XX/XX/2026, and XX/XX/2026. I have attached the complete 60-day transaction history highlighting these specific errors and am requesting a comprehensive audit and courtesy reversal by a corporate manager. I attempted to resolve this locally by speaking with the manager at the XXXX XXXX. The manager refused to help me, dismissively told me I was wrong, and stated that everything processed by the bank was correct. She claimed that the fees are triggered because I am being charged based on the total negative balance of the account rather than per individual transaction item. While I now understand that your automated system utilizes the total negative balance at the end of the day to override individual item protections, the way these charges stack up creates an inescapable trap. Please review the following blatant issues clearly visible in the attached screenshots : Predatory Double-Charging on Single Returned Items ( XX/XX/1314 ) : On XX/XX/XXXX, a {$600.00} Chase transfer attempted to pull from my account, triggering a {$36.00} fee. On XX/XX/XXXX, this item was returned and fully refunded ( + {$600.00} ), yet your system charged me a SECOND {$36.00} fee for the exact same transaction. Charging both an overdraft and a returned item fee on a single failed event is entirely unfair and has penalized me twice for {$72.00} total. Immediate Seizure of Positive Deposits ( XX/XX/XXXX ) : On XX/XX/XXXX, a legitimate direct deposit of {$500.00} hit my account, successfully bringing my balance to a positive + {$210.00}. Your automated system immediately seized two separate {$36.00} fees on the exact same day, stripping away my access to my hard-earned funds to pay for delayed, automated backend charges. Stacked Fees Contradicting Threshold Protection ( XX/XX/XXXX ) : On XX/XX/XXXX, I was hit with XXXX separate {$36.00} fees. However, my transaction history from XX/XX/XXXX shows a purchase of {$5.00} and a bill payment of exactly {$25.00}. Under standard banking protection rules, transactions must exceed {$25.00} to trigger an individual fee. The Extended Overdraft Trap ( {$7.00} Daily Fees ) : The sheer volume of these automated {$36.00} fees is what kept dragging my account balance deeply into the negative, automatically triggering multiple {$7.00} daily penalty fees ( such as on XX/XX/XXXX and XX/XX/XXXX ). These fees directly caused a compounding cycle that made it impossible to maintain a positive balance. I am a consistent customer with regular, substantial deposits clearing into this account month after month. The mainline customer service team acknowledged these excessive charges and offered a minimal waiver of two fees, directing me to management for the full balance. Because the local branch manager completely refused to provide customer service or review the fairness of this timeline, I am escalating this to corporate. I am asking for a supervisor to review this 60-day history and credit these 9 disputed fees back to my account as a standard professional courtesy so I can comfortably maintain my banking relationship with Old National Bank . Thank you for your immediate time and review. I look forward to your response. Sincerely, 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 explanation