Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: OLD NATIONAL BANCORP
State: MN

Complaint narrative:
I am writing to formally dispute an improper charge that occurred following Old National Banks acquisition of Bremer Bank and the transition of my mortgage account. Since the inception of our mortgage with Bremer Bank, our payment has been on automatic withdrawal and has processed flawlessly for years without a single issue. Following Old National Banks transition of Bremer accounts, the withdrawal dates were altered or otherwise placed out of synchronization, resulting in Old National Bank withdrawing {$8800.00} for a single month instead of the correct payment of {$8400.00}. This resulted in an excess charge of {$420.00}. This disruption occurred solely as a result of Old National Banks internal transition process and is in no way the responsibility of the customer. The automatic payment system had been functioning seamlessly prior to the conversion. Compounding the problem, when I began receiving suspicious calls indicating a possible payment issue, I contacted the Old National Bank branch in XXXX directly to verify whether there were any problems with our accounts. I was explicitly reassured that there were no issues. After subsequently noticing the {$8800.00} withdrawal, I visited the XXXX branch in person and met with the branch manager. At that time, the manager was unable to identify the reason for the charge and remained on hold attempting to obtain clarification. I had to leave for a work obligation and was told the matter would be followed up. No explanation or resolution was provided. Your written response to my prior inquiry failed to address several critical issues : It does not explain how or why a previously seamless automatic payment process was disrupted. It does not acknowledge the inconvenience and financial disruption caused by the transition. It does not offer reimbursement of the {$420.00} improperly withdrawn as a result of Old National Banks system changes. To be clear, this additional charge resulted directly from Old National Banks transition processes and not from any action on our part. We therefore expect prompt reimbursement of the {$420.00} to our account. If this matter is not resolved promptly, I will consider escalating the issue through appropriate regulatory channels and consumer protection authorities, as this type of systemic billing disruption has the potential to affect other customers as well. Please confirm in writing that the {$420.00} will be credited back to our account and provide a clear explanation of how this error occurred and what measures have been implemented to prevent similar issues for customers during your system transition. I appreciate your prompt attention to this matter and look forward to your timely resolution.

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