Complaints
This profile includes complaints for MidFirst Bank's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 24 total complaints in the last 3 years.
- 8 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. 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.
Initial Complaint
Date:09/29/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Midfirst sent money out of the bill pay of my deceased mother's account, which put her in the hole over $300 and made her account short when the Federal Government wanted to reclaim the money. The money was sent to Discover and Care Credit on September 2, 2025. I notified them of the mistake, and they said they would open a resolution to get the money back. When I visited the bank on September 29, 2025, no resolution request existed. They have not been helpful and have failed to provide basic account servicing to prevent this issue.
Business Response
Date: 10/03/2025
Please review the provided
response to Terry Adams in response to their complaint.Initial Complaint
Date:09/03/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I applied for a credit card back on August 26th or 27th, 2025 at or around 10-10:30pm. My card was approved on Thursday August 28st, 2025. Upon approval I immediately called the bank to confirm when the card would be sent. A representative informed me that due to the holiday that the card would be mailed out in 7-10 business days. I called again on August 29, 2025 to see when the card had been mailed out. Over the weekend I had a family emergency and had to come and be with a family member. Inform, I will be here indefinitely and informed the representative by the name is ****** of this information today September 3rd and she informed me that she would have to check to see if a new card “could” be issued. I immediately asked to be transferred to a supervisor to ensure that I understood the process of changing my address. A young man by the name of ***** implied that I was committing fraud because of my address change and threatened to cancel my card which I later found out he did close.
I spent the entire day on the phone being transferred from person to person. Humiliated every time my name was given . I offered to show proof of my identity, address and whatever was needed to confirm my identity and my account was still closed. My experience with the bank has been nothing short of discouraging. In lieu of what I am experiencing with this family emergency and relocation, to be accused of fraud is offensive. I have a fraud alert on my account which has been on my account since 1/25/22 is for others not to protect me from myself. This is my first experience with this financial institution and the hardship, anxiety and emotional distress that has been caused will forever be ingrained in my memory about this experience and this branch. Laura is one of the 7 people I spoke to for the last time this evening could not provide me with a reference number or ticket number about my concern. Truly disappointed!Business Response
Date: 09/10/2025
Please review the provided response to Courtney Gray in response to their complaint.Business Response
Date: 09/18/2025
Please review the provided resolution rejection response to ******** **** in response to their complaint.Customer Answer
Date: 09/19/2025
Complaint: ********
I am rejecting this response because: RE: CFPB Case Number: ***************
Consumer: ******** * ****
To Whom It May Concern:
Thank you for your response dated September 19, 2025, regarding my complaint, CFPB Case Number: ***************. I have received and reviewed your letter, which addresses the events leading to the closure of my new credit card account.
I continue to disagree with the decision to close my account and your claim that no false information was reported. MidFirst Bank's actions, which involve closing a credit card account and allegedly flagging my name in the banking system for fraud, appear to be a violation of my rights under federal consumer laws, specifically the Fair Credit Reporting Act (FCRA).
The FCRA protects consumers by regulating how consumer reporting agencies handle your information, including the accuracy of the data they collect and distribute. I believe MidFirst Bank's decision to close my account and report that I was "committing fraud" constitutes providing false information to credit reporting agencies, which is a direct violation of this law.
I am requesting a procedural investigation be initiated by the CFPB into this matter to ensure all necessary steps were taken. This investigation should outline the process MidFirst Bank followed to review my case, including the specific steps taken to investigate the address change and the basis for the decision to report me for fraud.
I request a full and complete report of this investigation, including:
Documentation of the review process.
The specific reasons for the account closure.
The exact information that was shared with credit reporting agencies or banking systems.
A plan to have this information corrected or removed from my credit report, as I believe the information to be false.
I trust the CFPB will conduct a thorough review and hold MidFirst Bank accountable for any violations of federal consumer financial law.
Sincerely,
******** * ****Initial Complaint
Date:08/09/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Midfirst does not disclose that if you place a deposit through the mobile app it could be held for 5 days. One person at the 39th street location said Tuesday, 8/12/25 and now another is saying Friday, 8/15/25. I cannot use my check at another location or my other bank because it was signed over to Midfirst. This is a lie and ploy to get people to use their app. I’ve deposited higher amount checks through the app before with not problem. Now, $2,000.00 check is a problem. I pay my bills out of this account. Now, my bills will be late. Even if I tried to move money from my other account, I’m certain Midfirst would hold it. Why? Because they tried to hold $400.00 before until I went in fussing about it. I keep my personal and business accounts separate for tax purposes. Midfirst is screwing my over for no godly reason.Business Response
Date: 08/13/2025
Please review the provided response to **** ****** in response to his complaint.Initial Complaint
Date:05/08/2025
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Locked out of account due to expired password. Bank would not assist in unlocking account. Representative would not identify themselves by name or obtain help from a supervisor. Unable to access account info or gain return of money since account is online only.Business Response
Date: 05/12/2025
RE: Complaint Number ********, Consumer Complaint Filed by ******* *****.
Dear Ms. ********:
We acknowledge receipt of the above-referenced complaint submitted by ******* ***** to the Better
Business Bureau (“BBB”) in Oklahoma City, Oklahoma, concerning Vio Bank, a division of MidFirst Bank
(“Vio”), and received by MidFirst Bank (“MidFirst”) on May 08,2025.
Thank you for bringing Mr. ***** concerns to our attention. A Vio supervisor contacted Mr. *****
directly, and while we were unable to satisfy Mr. *****, MidFirst believes that it has appropriately
addressed Mr. *****’ complaint and considers this matter closed.
MidFirst appreciates the opportunity to respond to Mr. ***** complaint.
Respectfully,
MidFirst Bank
**** ** ******* ******
******** ***** ** *****Customer Answer
Date: 05/12/2025
Complaint: ********
I am rejecting this response because:No real response was provided to my concerns, and supervisor contact was only marginally less patronizing than my initial contact on this matter.
I have successfully withdrawn all my funds through my own efforts and with no assistance from Midfirst or Viobank. I was given no reassurance that someone with a similar issue would receive any meaningful assistance.
I will do no further business with either bank and have no desire to speak further with their representatives, but I would misrepresent the communications I have had with them if I advised that I was in any way satisfied with their conduct or reassured that their actions would not deprive another customer of their rights and assets in a similar circumstance.
I was able to get what I needed to withdraw my money through good fortune and the large storage capacity provided by my email provider for years’ old messages. A similar customer, for the lack of either, might have required recourse to legal action to compel the return of their own property.
The business’s rigid policies and stubbornness are a danger to their own customers.
Sincerely,
******* *****Business Response
Date: 05/16/2025
RE: Complaint Number ********, Consumer Complaint Filed by ******* *****.
Dear Ms. ********:
This letter serves as our response to ******* *****’ rejection to our response dated May 12, 2025, to
the above-referenced complaint submitted by Vio Bank, a division of MidFirst Bank (“Vio”) to the Better
Business Bureau (“BBB”) in Oklahoma City, Oklahoma, on May 13, 2025.
Thank you for bringing Mr. *****’ concerns to our attention. Although, we were unable to satisfy
Mr. *****, MidFirst believes that it has appropriately addressed Mr. *****’ concerns and considers
this matter closed.
Respectfully,
MidFirst Bank
**** ** ******* ******
******** ***** ** *****Initial Complaint
Date:05/01/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Was just made aware that MidFirst Bank is reporting an account that they forced closed of mine as a charged off account owing money when in reality they drafted these funds from one of the other four fully funded accounts I had with them. I called today and was told that it was a “reportable loss” even though they retrieved the funds immediately. This all occurred due to one ACH that was being disputed. The other company did not send the refund within the 40 days although u was working with a banker and had submitted the request with the company. By the time the refund was submitted, it bounced back as the account was closed. I was made aware when funds were drafted from one account and the overdrawn account was closed but had no idea that it was reported as a charged back account still owing MidFirst money until I opened an account at another bank today and this “charge back” showed on their report. This practice is fraudulent to create a recorded loss that does not exist. I was a referring client of this bank for many years with five accounts and a credit card but one ACH dispute situation on one account has led to a dishonest report on my record insinuating that I owe MidFirst money when I absolutely do not.Business Response
Date: 05/05/2025
Please review the provided response to ******* ***** in response to her complaint.Initial Complaint
Date:02/15/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Two and a half weeks ago, I received a fraud text asking if I had authorized a charge. I responded saying I had not. A few minutes later, I get a phone call from the fraud ***** They also ask about the charge that I had not authorized. They review my account and tell me that my debit card would be canceled. I expected that. A week later, I had not received my new card, so I called to find out when it had been mailed. The person I spoke with stated that it was never sent because the fraud **** does not replace cards and I should have called to request a new card. I was not informed of that, which I feel is vital information that the fraud **** should have told me. I ask to order a new card, but it will take another 7-10 days for it to arrive when I am already over a week with no access to my money. EVERYTHING is tied to that account and I have bills that are now overdue with no way to pay them because I dont have a card and expediting it is $40. The representative offers to waive the fee and have it sent to me in 3-5 days. One week later, I still dont have the card. I call again. The representative tells me that the card was mailed 4 days after that conversation, when I was told it would be mailed immediately. I was very frustrated so the representative offered to have a supervisor call me back when they were done assisting other customers. An hour later, I had not received a call, so I called again. I am now over 2 weeks without a card and again, no access to my money. This representative looked in my account and told me that not only was that card not sent until 4 days after I was told it was going to be, but it was also not expedited. She attempted to get it overnighted to me, but that was rejected, even though I thought that is what should have happened. She did get it expedited to me yesterday and I should have it within 4 days. But I am still without funds, and have bills overdue where I am responsible for the late fees when the error lies with the bank.Business Response
Date: 02/19/2025
Please review the provided response to *** ****** in response to her complaint.Initial Complaint
Date:01/11/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Branch on Greenway and ********* in ********** Az ATM been offline or broken for month and seems branch doesnt care to fix it. Not acceptable ! I do most of my transactions via ATM so no ATM means I had to bring my business somewhere else. Im sure it makes a lot of customers unhappy .Business Response
Date: 01/16/2025
Please review the provided response to **** ********* in response to his complaint submitted to the BBB.Initial Complaint
Date:07/05/2024
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Hi I applied for a credit card not sure what kind of credit card but it was denied and the customer service wouldnt help me or give me a timeframe when I can reapply and blamed it on the credit bureau it was denied due to a security freeze which I dont have on Experian and it could be a glitch with the application system and I like for my application to be check by a human the account number is *******Business Response
Date: 07/09/2024
Please review the provided response to ****************** in response to his complaint submitted to the BBB.Customer Answer
Date: 07/10/2024
Complaint: ********
I am rejecting this response because: they never called me to do a second review on my application I never received any notification from Experian. Looks like I will contact a attorney general next
Sincerely,
******************Business Response
Date: 07/15/2024
Please review the provided response to ****************** in response to his rejection submitted to the BBB.Initial Complaint
Date:05/23/2024
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I paid a past due account with a money order. Midfirst erroneously charged another account in the amount of *****. The account the mistankgly charged needs to be reimbursed and refunded *****.Business Response
Date: 05/24/2024
Please review the provided response to ***************************** in response to her complaint.Customer Answer
Date: 05/29/2024
Complaint: ********
I am rejecting this response because: I communicated with ************************* in writing and via phone message on 5-28-2024 at the issue in its enriety and supplied him with the proof of the paid money order that satisfied the initial debt that I paid twice due to MidFirst Banks accounting error. MidFirst Bank did not follow through professionally or ethically. MidFirst Bank should reimburse my account as they have not taken the proper steps to resolve this issue, even after I supplied pertinent information to validate my efforts to the Regional Manager who contacted me.MidFirst Banks practices are unethical. In addition, Neither one of the gentlemen i spoke to initially, ******* on **************** phone line, nor **** at ************ ext 7235, which ******* referred me to, took the time to take the money order information to cross reference the payment made. I am dissatisfied with the way this has been handled as it is unprofessional and unfair, and the fact that MidFirst Bank fails to resolve this matter violates my consumer rights.
I would appreciate you assisting me with a positive credit to my account for $86.51, in reference to this error.
,
Sincerely,
******************Business Response
Date: 05/31/2024
Please review the provided response to ***************************** in response to her resolution rejection.Initial Complaint
Date:05/14/2024
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I was charged $128.00 for a monthly service charge on my savings account for transfer fees that I was unaware were being accrued. I opened the account 13 years ago and Midfirst stated that I was given a disclosure at the time of these fees. Yet, this April *************************** 13 years I was charged $128 for transfers. I asked for the signed disclosure to be emailed to be in which the bank manager (*******) continued to try to redirect the conversation and not commit to send me the disclosure. I have received feedback from other Midfirst employees saying a refund is justified. All I am asking is for a refund of these fees. Now that I am aware of the fees, I will not make transfers between the accounts. But since the disclosures were never given to me, nor was I charges these fees previously, I feel a full refund is justified.Customer Answer
Date: 05/16/2024
Better Business Bureau:Thank you for taking my complaint into consideration. My issue has been resolved.
#********
Sincerely,
*********************************
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