Consumer complaint received 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MIDFIRST BANK
State: CO

Complaint narrative:
I have never encountered such a cruel, manipulative, and negligent experience as I did with MidFirst Bank. It all started when I filed a legitimate claim, and within just one business day, the bank closed it with no explanation and no documentation. This sudden and unexplained action was frustrating enough, but the situation quickly worsened when the bank reopened the claim without my consentan action that made it clear that they didnt care about my involvement or approval in resolving this matter. When I contacted customer service to seek answers, I was met with complete denial. They insisted that the claim had never been closed, leaving me feeling gaslighted and utterly helpless. It was as if my experience and concerns didnt matter to them at all. 

The most shocking part of all of this was when I reached out to customer service for assistance. On a recorded and monitored line, a representative laughed at my distress not once, but twice, when I told her I was facing the terrifying reality of homelessness and frostbite due to my financial struggles. I had hoped that the bank, as a professional institution, would show some empathy, but instead, I was met with ridicule and a complete lack of compassion. As if this wasnt enough, I later discovered that my account had been closed without any prior noticeno email, no warning, nothing. This unexpected closure was devastating, leaving me stranded and unable to access the funds I desperately needed. 

When I finally managed to gather enough money to pay my rent, I went to make an ACH transfer to cover my rent. But to my shock and disbelief, I was informed that my account had been closed, and I was no longer able to deposit the money. In a desperate attempt to rectify the situation, I tried to deposit cash directly into my account, but I was refuseddespite the fact that I needed the funds to cover my basic living expenses. As a result, I was left overdrawn, with no way to make the necessary payments, and I was hit with multiple additional fees. Each time I attempted to resolve the situation, I was met with roadblocks, further deepening my financial hole and leaving me in a state of constant anxiety. 

The worst part of this entire ordeal was the discriminatory and XXXX treatment I received from the branch staff. Their behavior was not just unprofessionalit was outright hostile and dehumanizing. No other bank Ive ever worked with has treated me in this way. Ive always known that banks follow a clear, formal set of procedures to ensure fairness and respect for their customers. But XXXX Banks actions were intentionally designed to break me down, leaving me isolated and in distress. The way they manipulated the situation, from closing my claim without explanation to reopening it without my consent, was cruel and calculated. Their refusal to let me deposit money, leaving me overdrawn and hitting me with additional fees, further exposed their utter disregard for their customers ' well-being. 

MidFirst Banks actions have not only caused significant financial harm but have also been a deep violation of my trust and dignity. They acted without care, empathy, or professionalism, and instead chose to manipulate, deceive, and exploit my situation for their own benefit. No one should ever have to endure such a cold, heartless, and discriminatory experience, and I am left shaken and devastated by the way I was treated. 



When a bank doesn't follow formal procedures, it means that they are neglecting the established protocols and regulations that are put in place to protect both the bank and its customers. Formal procedures in banking typically include clear steps for handling customer complaints, managing accounts, processing transactions, resolving disputes, and maintaining legal and regulatory compliance. These procedures are designed to ensure fairness, transparency, accountability, and consistency in how the bank operates, which ultimately fosters trust between the bank and its customers. Midfirst didn't follow any of those and was operating like mafia.

I'm planning on filing a lawsuit accordingly, i want to have access to the recorded and monitored lines if they haven't deleted them yet, they also told me that most of my calls weren't being logged, so they are really conducting illegal and shady operations.

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