Complaints

This profile includes complaints for Associated Bank, N.A.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Associated Bank, N.A.

  330 E Kilbourn Ave Ste 850 Milwaukee, WI 53202-3170

  
• 

  Associated Bank

  301 W Galena Blvd Aurora, IL 60506-4069

• 

  Associated Bank

  104 Homer Adams Pkwy Alton, IL 62002-5924

• 

  Associated Bank

  217 W Washington St Millstadt, IL 62260-1157

• 

  Associated Bank

  200 S Market St Waterloo, IL 62298-1621

The 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:04/04/2025

  Type:Service or Repair Issues
  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.

  This started with fraud/scam transactions at the end of January. At that time ********** froze my son's saving act. I went to the bank, worked w/ a personal banker on the trans that were made in good faith based upon two checks that ended up being fraudulent. The dispute department sent initial findings that was not in our favor. The letter requesting more supporting information was received after their deadline so I wrote a letter to the dispute depart mid March in regards to this. On March 20, 2025 they deposited the refund as a provisional refund without notifying us. My son had to pay his college tuition out of this account & could have drained this account without knowing that almost $2k was subject to being reversed. This practice of a provisional refunds in the end will hurt more customers than help them., The customers should always be given a choice with a full explanation to be able choose to have a provisional refund that we could be reversed. Being as Associated Bank failed to notify us of the provisional refund, I believe they should be responsible for the $1942 to pay us back. It was their responsibility to make sure we knew this about a provisional refund and they failed to do this. Meanwhile the savings account that had the fraudulent checks deposited is frozen. My son is in another state at college & if he would need that money outside of bankers hours he will have no way to access it. He or I would need to go to bank in person when there is a personal banker to have it transferred. Is it even legal in ** for them to provide the provisional refund without notice then reverse it without notice? Doesn't WI have a law on this that they need to provide notice. We have not received any notice on a provisional refund. Our family has used this bank for almost 25 ******* feel like our loyalty to this bank does not seem to matter. This is going to drive a decision to look for a new bank.

  Business Response

  Date: 04/09/2025

  Please see attached response.

  Customer Answer

  Date: 04/09/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  I disagree with the notifications. The first one requesting more info and as I stated in my complaint came after the due date. I received a letter today dated March 20, 2025 about the provisional refund. This is not timely and is not acceptable. I have tried calling both consumer affairs to discuss but have yet to reach the associate working on this. Furthermore I have left two messages with fraud in regards to un-freezing the account we need access to.  I also believe they acted illegally by depositing money and withdrawing it without confirmation that knew and understood the process. We should be compensated for this. Thank you! *****
  
  Regards,
  
  *****/****** *****

  Business Response

  Date: 04/16/2025

  Please see attached response. 

  Customer Answer

  Date: 04/17/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed 

  I do not agree with **************** Both of their letters in regards to notifying us of a provisional refund deposit and withdrawal were received via mail 3 weeks after the letter date. This is unacceptable. You are dealing with peoples accounts that fund their living expenses and never should be touched without confirmation of understanding or agreement. I would not have agreed to a provisional refund and should have been given a choice. 
  *****

  
  Regards,
  
  *****/****** *****

• Initial Complaint

  Date:03/28/2025

  Type:Customer Service Issues
  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 made a deposit on Wednesday, March 26, 2025. A cash deposit. When I looked at my account on the morning of March 27, the deposit was not there. I called customer service and ******* told me that they don't know where it is - that they would look into it. Later in the day, a deposit appeared in my account but it wasn't for the full amount. So, I called back again. At this time, I was told by **** that another request would be submitted for the rest of the deposit. When I expressed concern that my bills would be clearing my account and I needed that money, he suggested I pay my bills later. ******* then called me the morning of March 28 and left a message that the money is now in my account. But it isn't. I called her to say that it is not there and she gave me another line about them working on it. I asked to speak to the manager - who is **** again - and he refused to help me. It is now more than *********************************************************** my account. I asked for ****** manager and he smugly told me I'd have to wait ***** hours for someone to call me and that I should have a nice day.

  Business Response

  Date: 04/03/2025

  Please see attached response. 

  Customer Answer

  Date: 04/14/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  I find the response from Associated Bank to be underwhelming.  They did nothing to make up for it.  They just provided a summary of what happened.  I already knew what happened.  They made several mistakes and their answer is, "well we fixed them now and we're not giving you anything to make up for it."  They don't care that I had to make several phone calls, my time, my frustration, and that I was met with a smug response from their customer service supervisor.  Poor all the way around as far as I'm concerned.  **************** is dead.

  
  Regards,
  
  ******* *****

• Initial Complaint

  Date:03/26/2025

  Type:Billing Issues
  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.

  After opening the Access Checking Account and meeting the requirements listed below, I was denied the $600 bonus because I added a minor (my young son) as a co-owner of the account. The customer service informed me of that on 3/26/25 over the phone. This condition was not mentioned in Associated Bank's offer disclaimer, nor was I informed of such a rule when I consulted the banks customer service before opening the account online around April 12 to 15, 2024 I have maintained a balance of over $10,000 in this account since its establishment on May 1, 2024.Sign-Up Bonus Requirements:To receive up to a $600 bonus, the account must meet the following criteria:Minimum opening deposit (Associated Access Checking: $25)Recurring direct deposits totaling $500 or more within 90 days of account opening from an employer or government agency I formally request that the bank credit my account with the $600 bonus. Otherwise, this would constitute mistreatment and misleading practices, as I could have instead placed my $10,000 in a CD earning a 3.5% interest rate for 12 months.

  Business Response

  Date: 04/03/2025

  Please see attached response.

• Initial Complaint

  Date:03/19/2025

  Type:Service or Repair Issues
  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.

  3/19/25 I have been dealing with some overwhelming health issues for the last year and a half. I have not been able to work full days and it has been hard for me to keep up with bills. I recently was negative 110 dollars in my checking account and once I realized it, I made two deposits into my account to bring it back to positive. After the first deposit, I was charged an overdraft fee. After the second deposit, I was charged again. ******* at customer service made me feel horrible. He was not kind or courteous like any of the previous customer service representatives. He was insulting, and when I asked to talk to someone else, He let out a huge sigh....Like I was a burden or something. I just wanted an answer as to why the gave me overdrafts after a deposit. I was trying to do the right thing and get my account to positive, and ******* gave me zero explanation and an anxiety attack. His manager was a bit more helpful, and reversed one of the two, but I just wanted to know why they charged me twice when I was just trying to get it back to positive. Sorry to sound upset, but I am a customer, ******* made me feel more like a burden on his day than a customer. I know this is my own fault due to health circumstances, but I cannot drive, so going into the local branch was not an option. I would like someone to review that call and let ******* know that the customer should be treated with respect. I doubt anyone cares to reverse the overdraft, but Id like an apology from *******/your company, along with an explanation as to why you charge overdrafts immediately after a deposit. Thanks, I hope to hear back soon. If this cannot be resolved or explained, I will be seeking banking elsewhere.

  Business Response

  Date: 03/26/2025

  Please see attached response. 

  Customer Answer

  Date: 03/26/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  
  

  I will be looking for a new bank, unless the rude male employee is no longer with the company. I am a customer, not a burden and that was the worst interaction Ive had with any company. 
  
  Regards,
  
  ***** *****

• Initial Complaint

  Date:03/16/2025

  Type:Service or Repair Issues
  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.

  Sunday, March 16, 2025 RE: $5.00 short Dear *** or Madam:I brought my change to Associated Bank Friday, March 13, 2025, at about 10 am. I counted the coins twice and separated them into containers before I brought them in. I had a total of 7-8 oz cool whip containers. I brought them in a box. I had my bank statement made out before I brought the coins in.1 container with $19.80 in dimes.1 container with $15.00 in *******.5 containers with $415.00 in quarters. 4 containers with quarters had $100.00 each. 1 container with quarters had $15.00 in it.The seven containers totaled $449.80 I deposited the money into my checking account.The lady would not run the containers separately. I wanted to do the dimes, *******, and quarters separately. She said, We run them all together. The coin machine she put the quarters in was right behind her. I got to watch the counting. The machine broke down and the lady had to open the top part and fix the rubber ring and push the coins in manually. Then she opened the bottom. The quarter bag was full like most of the bags underneath the coin counter. She had to keep shaking the quarter bag to get the quarters to go down.When the lady was done forcing my coins to go down the coin counter into the full bags, she went over to a machine on the counter which was on the left side of the coin counter and brought back a batch receipt which read $5.00 less than my total. My total coin count was counted twice. Her total was counted in a machine that had a breakdown. I told her I wanted the $5.00 difference. She said we are not responsible for the difference in total. She would not do anything for **** am writing this claim to request my $5.00.Thank you,**** M ****

  Business Response

  Date: 03/25/2025

  Please see attached response.

• Initial Complaint

  Date:02/25/2025

  Type:Product Issues
  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.

  On 04-20-2023 I walked into associated bank in ashlandwisconsin to get some quarters out of my checking account. I wasperscribed a new medication and I had some side efects from itand I have some health issues too, the teller asked me if I washigh "are you celebrating 420 day?". I feel discriminated againstand it actually was weird enough that I actually closed myaccounts with them becuase I am not comfortable banking eiththem anymore. I have tried to resolve the issue with the bank andthey will not return my calls or emails. I did thearapy counselingregarding this and I really was afected by it. I will not bank inperson anymore with brick and mortor and I use discover onlinebanking as my main bank now.I made a **** complaint and the buisness is refusing to do anything.

  Business Response

  Date: 02/28/2025

  Please see attached response. 

• Initial Complaint

  Date:01/02/2025

  Type:Service or Repair Issues
  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 have a loan on a vehicle threw associated bank and the vehicle has been deemed a total loss in a accident. On 11/27/24 my insurance company sent associated bank a check for their requested payoff amount. So now associated bank has the check and will not credit the check to the loan on the vehicle. Associated bank keeps saying the numbers on the documents do not match the check, I have checked with my insurance company got proof sent to me that it does match. I have now made 2 payments on this vehicle since it's been a total loss and since associated bank has gotten my check. I try daily over the phone to get this settled myself, my insurance company is involved they are trying to do the same thing as me and get the same story from associated bank. Associated bank told my insurance they have to fax over the documents (that were already sent to them) because nobody at associated bank uses email, while the fax number they gave does not work either. I have done follow up work to check if this bank is doing any of the work they tell me is being done and my insurance, ************** dealership have all said that they have not heard one word from associated bank no phone call no email nothing. Myself, my insurance company have never ever seen such terrible service nor have experienced such a situation. Myself and my insurance company (Grinnel Mutual) need someone that can help us solve this terrible situation.

  Business Response

  Date: 01/21/2025

  Please see attached response. 

  Customer Answer

  Date: 01/21/2025

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  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. 
  
  Regards,
  
  ****** ******
  

• Initial Complaint

  Date:12/09/2024

  Type:Order Issues
  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 received a letter from a debt collector in ********* claiming I owed over $500 for an account under the name of ******* *******. I have not used that name is over a decade and my divorce in 2014. I called them and asked for more information and they had nothing beyond that. I did have an account approx. 6 years ago, but not under that name. When I had that account someone around the month of May illegally took my debt card and money. I went into the ******** branch on several occasions and made formal investigations. The bank did not reverse any of the charges dispute having several police reports. If that is the cause of this account, I do not think it's fair to send this now to a debt collector at the very end of the statue of limitations especially without the proper information. I want this removed from collections and resolved.

  Business Response

  Date: 12/17/2024

  Please see attached response. 

  Customer Answer

  Date: 12/17/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  I went to the local branch on several accounts in ********, ***  I provided in person my police reports as requested as well as the Oconomowoc, WI detectives name.  
  
  Regards,
  
  ******* ********

  Business Response

  Date: 12/20/2024

  Please see the attached response. 

• Initial Complaint

  Date:11/08/2024

  Type:Billing Issues
  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 have an *** account which I don't check regularly, so I was unable to see that the 3 ATM transactions that I received an error for were actually taken out of my account. I called to file these disputes and I was told that I can't given that it is out of the 60 day period. As stated, this is an *** account, not a checking. I don't check it regularly and would really appreciate it if we can submit the three transactions I attached for dispute so that I can recover those funds.

  Business Response

  Date: 11/19/2024

  Please see attached response.

  Customer Answer

  Date: 11/19/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  As stated before, I had no visibility into the account, and as you can see I don't use it often, hence why I was unable to see the *** withdrawal errors up until now. I ask that you please reconsider filing these disputes on my behalf. 
  
  Thank you,
  
  ***** *******

  Business Response

  Date: 11/25/2024

  Please see attached response.

• Initial Complaint

  Date:11/04/2024

  Type:Customer Service Issues
  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 recently called Associated Banks customer service number inquiring how to go about transferring funds from a prepaid **** card to my Associated Checking account. The representative with whom I spoke was very friendly and helpful and stated that upon visiting a branch office, I would be able to do ******** (4 Nov 2024) I visited the branch office in *******, ** at about 3:00p to complete my transfers. Both the ******, ******, and manager, ***** told me blatantly they were unable/unwilling to help. I explained to both of them that I had previously inquired with the corporate customer service agent and that this transaction was indeed, possible. They continued to be unwilling to assist me.After leaving the branch office, I contacted customer service once again, and was once again assured that my request could be completed at a branch office, and was advised to return once again tomorrow.I have been an Associated Bank customer for at least twenty years and this is absolutely frustrating. I live 20 minutes away (one way) so this is an incredible waste of time as well as vehicle fuel. I understand that unfamiliar tasks can be challenging, but as a former business manager myself, the unwillingness and ineptitude displayed both by the teller and manager is absolutely abhorrent from a customer service perspective. Im asking for compensation for my time (80 minutes of drive time), vehicle fuel mileage (4 trips @ 11mi = 44 miles), and for a corrective action plan from the branch manager to ensure future customers will be spared this gross waste of time and resources.

  Business Response

  Date: 11/07/2024

  Please see attached response.