Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: MIDFIRST BANK
State: PA

Complaint narrative:
On or about XX/XX/XXXX or XXXX I applied for a credit card with midfirst bank. On XX/XX/XXXX I was approved for a credit card with the limit of {$2200.00}. Due to the XXXX  I called to see when my card would arrive on Friday XX/XX/XXXX. Over that same weekend I had a family emergency and suddenly had to relocate myself to be with an XXXX family member. I called the bank on Tuesday when they opened and explained that I would need a new card sent to where I would be relocating to because I wanted to prevent someone possibly getting the card and doing who knows what with it. I was then told by a supervisor by the name of XXXX that a new card would not be sent to me because from Wednesday to last Thursday there is no way that my address changed and that I was committing fraud. He told me that my card would be closed and hung the phone up .Prior to being hung up, I was asked a plethora of HIPPA violation questions about my employment and how I would be working, how I just up and decided to move and personal questions about my ailing family member. 
I was humiliated on this call.

I want MidFirst to know that they are hereby formally put on notice that : Under FCRA 611, that they are required to conduct a reasonable reinvestigation of disputes. If they fail to conduct this reasonable investigation that I will consider this a willful non-compliance with FCRA 616, which entitles me to statutory damages, actual damages, punitive damages, court costs, and attorneys fees.

Furthermore, Midfirst has shared this false information with all the banking systems and has me flagged in the system as committing fraud. I would like for Midfirst to know that they may be liable for defamation, negligence, and tortious interference with credit expectancy.

Unless this matter is fully resolved within 10 business days, I will proceed with legal action against MidFirst Bank, for damages under state and federal law. This includes but is not limited to claims under : FCRA 623 Furnisher Responsibilities FCRA 602 Accuracy and fairness in credit reporting FDCPA 807 False or misleading representations State consumer protection statutes In lieu of litigation.

I am willing to resolve this matter privately, provided that the inaccurate information is deleted across all reporting agencies systems and that I receive written confirmation of such action. I am also asking for this account to be reopened my approved credit card be mailed to the preferred address of relocation.

I request that you send me : Written confirmation that the error has been corrected or deleted in the system.

The results of your reinvestigation A complete copy of all documentation used to verify the disputed item.

Please consider this letter as a final opportunity to resolve this issue amicably before I pursue all legal remedies available to me.

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