Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4674931
Complaint Overview
Complaint ID: 4674931
Company: First Midwest Bancorp, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Difficulty submitting a dispute or getting information about a dispute over the phone
State: Illinois
ZIP Code: 60156
Date Received: 2021-08-30T12:00:00-05:00
Date Sent to Company: 2021-09-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On XX/XX/XXXX I received notification that I was declined for a loan with First Midwest Bank that was presented to me through the banks online program as all but approved. The method of presentation and contact with the company stated that the approval was all but assured and that the rate would likely be at the lowest available rate based on the information provided. The operator from contact today ( XX/XX/XXXX ) became very argumentative and rude when I asked to cancel the application based on false advertisement and misleading statements made by previous operators and their pre-approval system. She then refused to escalate my call to the proper channels and stated that they do not have a escalations system. This was a very misleading process and feels predatory in nature, and for as fast as the operator was to become confrontational and unprofessional, it would seem to me this happens often. Conversation was concluded with the operator telling me that my only method of relief would be to lodge a complaint. So here I am.
Frequently Asked Questions
What is Complaint #4674931 about?
Complaint #4674931 was filed against First Midwest Bancorp, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2021-08-30T12:00:00-05:00.
How did First Midwest Bancorp, INC. 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 (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against First Midwest Bancorp, INC.?
Yes, visit the First Midwest Bancorp, INC. company profile at readthecomplaint.com/company/first-midwest-bancorp-inc 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.