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Report: #363177

Complaint Review: Midfirst Bank - Edmond Oklahoma

  • Submitted:
  • Updated:
  • Reported By: Edmond Oklahoma
  • Author Confirmed What's this?
  • Why?
  • Midfirst Bank midfirst.com Edmond, Oklahoma U.S.A.
  • Phone: 405-7677837
  • Web:
  • Category: Banks

Midfirst Bank Scam Artist Bank charging unwarranted overdraft fees to accounts that werent negative and refuse to remove them. Edmond Oklahoma

*Consumer Comment: Yes, you are wrong.

*Consumer Suggestion: Check Your TOS

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I have had several issues with Midfirst Bank charging overdraft fees to my account when it was not negative. They are charging overdraft fees on accounts when debits have yet to hit the account even after deposits have been made to cover any outstanding debits that have yet to hit the account. This is wrong.

My wife and i have been fighting with Midfirst Bank for a year over unwarranted and in my opinion illegal overdraft fees to our account. Please be aware of how this bank chooses to do business. When you call in to speak with customer service you are given a list of excuses as to why they are unable to help and advise to call your local branch (the branch where your account was originally opened) even if it is no longer your local branch. I was advised by an asst. Manager at an Edmond location that "the reason this is done is b/c each branch has a "price center" and that everyone will try to pass the buck so it doesnt affect their branch." Afterwards, he even tried to pass the buck.

I will be attempting once again to argue with the bank about this scandalous and criminalistic activity once again. I will more than likely close my account. After a year of dealing with this, I am done.

Chrisokc
Edmond, Oklahoma
U.S.A.

This report was posted on Ripoff Report on 08/15/2008 07:31 AM and is a permanent record located here: https://www.ripoffreport.com/reports/midfirst-bank/edmond-oklahoma-73013/midfirst-bank-scam-artist-bank-charging-unwarranted-overdraft-fees-to-accounts-that-werent-363177. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#2 Consumer Suggestion

Check Your TOS

AUTHOR: Noir - (U.S.A.)

POSTED: Friday, August 15, 2008

...it sounds like your bank is using "authorizations" to post against your balance in determining overdraft fees.

While this practice is open to debate, at present it is not illegal.

Read your TOS.

If you don't like the services provided by your bank then close your account and move on.

The days of "floating" purchases against deposits is gone. If that is what you are doing then you need to change your banking practices.

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#1 Consumer Comment

Yes, you are wrong.

AUTHOR: John - (U.S.A.)

POSTED: Friday, August 15, 2008

'after deposits have been made to cover any outstanding debits that have yet to hit the account. This is wrong.'

You can not spend money that is not there. You admit to having to make a deposit to cover your irresponsible spending. You are not going to beat modern technology. As soon as you spend that money, there or not, it is spent. You are fighting against yourselves.

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