Checking or savings account -- Managing an account -- Complaint #16282693
Complaint Overview
Complaint ID: 16282693
Company: Old National Bancorp
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem using a debit or ATM card
State: Indiana
ZIP Code: 475XX
Date Received: 2025-09-30T12:00:00-05:00
Date Sent to Company: 2025-09-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My name is XXXX XXXX, and I am a customer of Old National Bank. On XX/XX/year>, at XXXXXXXX XXXX I was the victim of fraud on my debit card ending in XXXX through unauthorized charges : XXXX XXXX WA for {$160.00} XXXX XXXX for {$160.00} Both amounts were deducted from my account along with other fraudulent activity. At XXXXXXXX XXXX as soon as I noticed, I immediately called the Old National Bank Fraud Department, reported the transactions, and canceled my card. I was told to call again during business hours to formally open a dispute. That same day, XX/XX/XXXX at XXXXXXXX XXXX I called back and opened the dispute, Case # XXXX. I was told the process could take up to 90 days. On XX/XX/XXXX, I called again for an update and was told that the charges were not disputable because, according to the bank, the service was completed and was authorized with a token. I want to make it very clear that I never received or used any token and never authorized these transactions. That day, I also went in person to the bank and was told to contact XXXX. When I contacted XXXX via online support, they confirmed that they did not process those charges under my account and that the bank must resolve the issue. They also sent me an official support email ( Case # XXXX ) to support my dispute. I forwarded this evidence to the bank and reopened the dispute. However, on XX/XX/XXXX, when I called again, I was told once more that the dispute was denied and that I needed to resolve it with XXXX. The bank repeated the same token explanation. I insist that I never authorized these payments, nor did I ever receive any code/token. The bank closed the dispute without properly investigating and without applying the protections under Regulation E, leaving me without my funds. I am requesting that the CFPB investigate this case, as Old National Bank has failed to protect me as a consumer, failed to provide provisional credit, and unjustifiably closed my dispute despite clear evidence of fraud.
Frequently Asked Questions
What is Complaint #16282693 about?
Complaint #16282693 was filed against Old National Bancorp regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2025-09-30T12:00:00-05:00.
How did Old National Bancorp respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against Old National Bancorp?
Yes, visit the Old National Bancorp company profile at readthecomplaint.com/company/old-national-bancorp to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.