Complaints

• Initial Complaint

  12/12/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THEY WERE NOT OPEN BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT AS SOON AS POSSIBLE.

  Business response

  12/17/2024

  The bank has reviewed the details of this complaint. Midland does not share the details about a customers interaction on public websites. An attempt is being made to contact the complainant.

• Initial Complaint

  10/03/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am filing a complaint against Midland States Bank/Greensky for unauthorized accounts that have been opened in my name. The details of the accounts are as follows:Account 1: Opened on 2/7/2022, Account Number: **************** Account 2: Opened on 2/7/2022, Account Number: **************** I did not authorize the opening of these accounts, and I am unaware of their purpose or any activity associated with them. I respectfully request assistance in having these accounts removed from my credit report and in addressing this matter with Midland States Bank/Greensky to prevent any further unauthorized activity.Thank you for your assistance in this matter. I look forward to a swift resolution.

  Business response

  10/08/2024

  Midland States Bank and GreenSky have reviewed the details of this complaint. The bank does not share the details about a customer’s interaction on public websites. GreenSky reached out to the complainant regarding this matter and are awaiting a return call

• Initial Complaint

  02/28/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I tried to open an account online and couldnt so I went into location. They opened the account and took my money to fund the account. When I asked for a debit card and checks they refused to give those things to me until I can verify my address. I have now provided documentation to verify my address but they have placed a hold on my account and cant lift it because now they say its labeled as something that they dont know what it means, and the account shouldnt not have been opened without verification of address. So this bank took my money and provided me nothing, no account number no checks or debit card. I gave them money and have no access to it. Ive done what they asked and provided verification but I still have nothing.

  Business response

  03/04/2024

  The bank has reviewed the details of this complaint. Midland does not share the details about a customers interaction on public websites.The bank was in contact with the complainant on 02/28/24 and her concerns have been rectified. 

• Initial Complaint

  11/09/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  Midland States Bank is engaging in unethical business practices by proactively paying my property taxes in full for the year ************************** and BEFORE they are due and then force placing escrow which they pad and collect more money than they pay. I continue to have this problem with Midland States Bank and want it to discontinue. I suspect they are padding all of their mortgages this way and I believe it is not only unethical yet unlawful.

  Business response

  11/15/2023

  The bank has reviewed the details of this complaint and found the allegations to be false. Midland does not share the details about a customers interactions on public websites. The bank has been in contact with the complainant. If the complainant wishes to discuss further, he can reach out to the bank.

• Initial Complaint

  08/26/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I had a central air conditioning system installed in my home by a company named ****** *** that contracts with Midland States Bank via their ******** *******. After a couple of months, the AC unit leaked and had water cascade down around my air conditioning return vent causing damage to my home's ceiling. I called ****** *** and he came out and told me that 'the fan speed was set too high' and that he fixed it by 'adjusting it'. A week later, it did it again. I called him back but he has ignored all phone calls. I then told ******** that since they contracted with him, that they are responsible. They told me that they contacted him but that he will not answer. I then read the back of a statement from ******** to me that says that 'if you are not satisfied with the service, you may not have to pay for it any longer'. I sent ******** a certified letter return receipt on July 5, 2022 that they signed for and accepted on July 14,2022 reminding them of this and asked for the loan to be forgiven. They ignored me and have now reported the account as a charge off to the 3 credit bureaus causing my credit score to drop significantly. (I have attached copies to this email).

  Business response

  09/06/2022

  We (********) apologize for any inconvenience the customer experienced.  We contacted the customer by phone and via email.  The customer was unresponsive. The merchant was notified of the customer’s complaint about the damage to his ceiling caused by leaks around the air conditioning return vent.   The merchant explained that the leak was due to existing issues with the customer’s drain and duct work.   Previously, the merchant unclogged the drain and advised the customer to pour bleach down the drain as a temporary solution.  The merchant advised the customer to have his duct work repaired.  The merchant did not receive any additional complaints from the customer.  While we do understand the customer’s desire to have all the charges waived, he received the goods and services per his loan agreement, and he is responsible for the loan.  At ******** we strive for excellent customer service, and we will continue to improve our process.

  Customer response

  09/06/2022

   Complaint: ********
  
  I am rejecting this response because:

   

  The response is pure nonsense! There is nothing wrong with the duct work as I went to air conditioning school in the 1980s and am certified. The problem is that the merchant did not know what he was doing and set the plenum the wrong way that caused a clog in the pan drain. I fixed it myself and found that the merchant's helper left the air handlers manual in the drain pan. This eventually caused the paper to rot which turned into slime that clogged the pan's drain outlet. Therefore, the merchant and the lender are 100% responsible. The lender says I've been unresponsive? Then, why have I spoken to their resolution
  specialist 3 times? I also have many messages from their website I have printed out to prove same. I also send a certified letter with a return receipt asking to wave the loan if I am 'not satisfied as per their statement I supplied from the back of my billing statement. This company has already been sanctioned by the government and sued for predatory lending. As far as the merchant contacting me? He came to my home 'once' and tried to say the duct work. When I told him that it wasn't possible, he changed his tune to 'oh, it must be the fan speed that caused it as its set too high'. He assured me that him resetting it would solve the problem. Instead, it happened again a few days later. Therefore, ******** will clear the loan and update my credit files as paid in full or I will soon sue them in my local court of law for the damage to my home. As per the FCRA, I will also ask for damages.
  
  
  Sincerely,
  
  ****** * *****

  Business response

  09/13/2022

  We (********) conducted a thorough review of your account and previous contacts with ********. We identified multiple occasions during which you communicated with a ******** representative regarding your account. However, the first mention of an issue with the product or installation financed with your ******** account occurred on April 7, 2022, which was more than two years after the transaction was processed. As a loan servicer, ******** is unable to assist directly with product issues; particularly when so much time has passed since your merchant provided it. You will be receiving a letter from ******** containing additional information regarding your complaint.  

  Customer response

  09/14/2022

  Complaint: ********
  
  I am rejecting this response because:

   

  More nonsense. Your merchant installer came to my house a few months after his installation of the new AC system because it was leaking. In your previous communication here, you've even admitted that. He then ignored me for a very long period of time with my multiple requests. This, even though I kept paying you the monthly payments, It then got to the point that I wanted you to do something about it as your merchant continued to refuse to reply to me. Again, there is nothing wrong with my duct work. Your merchant returned to my house ONE time saying it was a 'higher fan speed' that he said he adjusted to stop the leaking. At NO TIME did he ever mention anything about 'pouring bleach down the tray's drain pipe' to alleviate the problem. I'll reiterate for you. His helper left the air handler manual in the drip tray that turned to mush which clogged the drain pipe causing it to overflow and ruin my ceiling around the return vent. Since he refuses to answer me, I had no recourse but to go through you as you are responsible as the financier. Then, I utilized a statement YOUR company made on the back of one of my statements from you (that I have already uploaded here as evidence) that says "You may not have to pay if you are not satisfied with the work'. I sent you a certified mail asking to use this. You refused. Therefore, I am going to sue you in my local small claims court. As per the Fair Credit Reporting Act, I will also ask the court for damages for you reporting my account as a 'charge off' on my credit reports negatively affecting my credit rating. I have given you every opportunity to resolve this issue. But, you have refused. How do you think the judge will feel about you ripping off a disabled person? I will see you in court.
  
  
  
  
  Sincerely,
  
  ****** * *****

• Initial Complaint

  05/28/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I signed up for a checking account with Midland States Bank on July 4th, 2021. I opened my account with an initial deposit of $125. I initiated a $1500 transfer from my other bank on July 13th to my Midlands checking account. Midland States Bank decides to lock my account preventing me from accessing the account. I filed a FDIC complaint against them shortly after this to get them to unlock my account or close down my account. They opt to close out my account. I eventually get a $125 check sent to my address and I was told via the FDIC that Midland States Bank would do a reverse ach transfer for the other $1500 where it would be sent to the the bank I account I originally transferred the $1500 from. The other $1500 never appeared in my bank account. My bank can't find any such transfer from Midland States Bank for me. My bank is asking me for a Trace ID Number of the reverse ach transfer of my $1500 to investigate where the $1500 is. All I need is the Trace ID number of that $1500 reverse ACH transfer Midland States Bank is claiming they sent back to the original funding source which would be my checking account. That is literally all I need is the Trace ID Number so my bank can locate the $1500 for me and credit it to my account. If Midland States Bank did in fact do a reverse ACH transfer of the $1500 in my account like they claimed and not hold my money hostage illegally, then there should be problem with giving me the Trace ID Number of that $1500 reverse ach transfer so I can provide to my bank so they can investigate.

  Business response

  06/02/2022

  Complainant has failed the bank’s identity verification twice now when talking with him on the phone, therefore we continue to have reservations about providing any type of information to him. If complainant ever does answer the identity verification questions correctly, we would be happy to provide additional information to him. 

  Customer response

  06/03/2022

  Complaint: ********
  
  
  I am rejecting this response because:This is an excuse not to provide me the Trace ID number because they never actually sent the $1500 back to my bank account. They stole the money for themselves. I've given them every identifying info they need including my name, SSN, date of birth, address. I've filed a Federal Reserve complaint against this bank. I'm also going to be filing a complaint with the State Attorney General and A police complaint against these criminals for stealing my $1500. They claimed they did a reverse ACH transfer of the $1500 that was left in my Midland checking account back to the same bank account that the $1500 was transferred from. My bank does not see any such transfer make from Midland States Bank because they never actually sent the $1500. If they did, then why won't they provide me with the Trace ID number of that reverse ACH transfer. My bank is asking me for the Trace ID number of that $1500 transfer so they can investigate further on where that $1500 is. I'm not asking for Trace ID number for my pleasure but because my bank is asking me for it. These criminals won't provide it to me because they stole and kept the $1500 for themselves illegally. If they didn't steal it and actually did send the $1500 back to my bank account, then just provide me with the Trace ID number so my bank can investigate on where the $1500 transfer is.
  
  
  
  
  Sincerely,
  
  
  ***** *****

  Business response

  06/09/2022

  The complainant can reach out to us directly and if he passes identity verification, we will assist him with his information request.

• Initial Complaint

  02/23/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  I was transferring my *** from **************** to an *** at my local Bank (Midland States Bank).When the money was transferred to my checking approximately Feb. 16, 2021 I went to ******** States Bank and told the girl that I came in for an ***. She made the papers out and the bank automatically withdrawn $27,855.78.from my checking account. I signed papers and left. In January 2022 I went back to the bank and said I needed to take the **** The girl made the papers out for automatic withdraw of **** Signed papers and left. I returned two days later to the bank and the girl said to me You have no ***. You have a CD.. I said to her I specifically asked for an ***.They said they would find out what happened. Once again I went back to the bank. The girl said it was no longer in their hands. That the papers are now in Effingham Legal Dept..I called 02/17/2022 to customer service and spoke with a *****.. she said she will find what is going on and give me a call back that day. She did not call back. I called Friday and the customer service rep said that she would email her to call me. Here it is Feb. 22, 2022 and no one has called and let us know what is going on. I will have to pay $6500.00 in taxes and will lose my medication ***** I need because of someone not giving me the *** I asked for in the first place and a plain CD I am being punished. Can someone help me with this matter. It has been very stressful by no one giving answers. I would like to do my taxes but this is stopping me from doing so. I would appreciate intervention. I would not have transferred my *** to this bank's *** if I knew this would have happened. There was an error and it needs to be rectified instead of ignoring and not communicating with me.

  Business response

  02/28/2022

  Bank personnel spoke with the complainant(s) on 02/25/22 and explained the situation. If he has any additional questions, we would be glad to answer them for him if he reaches out to us.

  Customer response

  02/28/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  **********************************

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩