ARVEST BANK GROUP, INC. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
07/06/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CA 95050	Web	Older American
Summary of the problem --------------------------------- Arvest Central mortgage told me in XX/XX/XXXX that they have modified my Loan which could mean permanent Modification for life time of loan but instead quite misleading.It was like Forbearance or temporary only for 3 years especially when I will be soon XXXX years old with several medical issues. I certainly do not have any problem making my mortgage payments including property taxes and insurance at 2.0% interest rate all my life, but increasing beyond that will be struggle to make those payments.I have never defaulted my loan payment for last 16 years when I purchased this home. .As such I request CFPB help me to resolve case in my favor as it is only fair. Following communication between myself and Arvest Central Mortgage indicates magnitude of problem. Should you need more supporting documentation please ask.Thanks much. XXXX XXXX XXXX ---------- Forwarded message ---------- From: XXXX XXXX Date: XXXX, XX/XX/XXXX at XXXX XXXX Subject: Fwd: ARVEST CENTRAL MORTGAGE COMPANY To: XXXX-XXXX XXXX of XXXX-XXXX Dear XXXXXXXX XXXX, I am receipt of your letter of XX/XX/XXXX. I vehemently disagree with the arguments you have made in that letter for not to justify for Loan modification due to following reasons: 1] Because I have regular stream of income I never have defaulted on my monthly mortgage payments. Certainly by modifying loan temporarily which is really Forbearance not really modification I could make my payments without any stress. You never offered me permanent modification. 2] Your reason for declining my Loan modification again is my Debt/Income ratio is high. I do not understand your guidelines which are only greed driven but I have no problem nor had previously topay $XXXX at 2.0% interest. Despite my advanced age and medical problem my financial hardship at XXXX years old is more than at XXXX years old. Anybody can understand as my medicalinsurance Premiums, Co-payments and vulnerability to diseases increases it puts burden on my finances.Contrary to what any logical thinker would say you are saying my financial hardship is over. This is ridiculous and ludicrous statement. 3] Yeswhen yourejected my loan modification due to higher debt/Income ratio I said on phone no need to worry I can meet that requirement at current interest rate because I have somesavings as an Emergency fund as a supplement which could take care of my health or mortgagepaymentif any time my income diminishes below certain level may be due to my health. That does not mean same thing I am out of woods or No Financial Hardship. Please do not put words in my mouth that I am out of Financial hardship. You are just manipulating to your benefit what I had said. This is simply Exploitation, Extortion of Senior Vulnerable citizen. It show your corporation is only driven by Greed by use sales pitch that you helping vulnerable borrowers during their Financial Hardship. 4. You are also saying you cannot give me Forbearance Loan for 3 years with monthly payment only $XXXXbecause my Income/Debt ratio is low but with same breath demand from $XXXX. Now if you think I can pay $XXXX why cannot I pay $XXXX. Does Debt/Income ratio get better with step modification.That is again ludicrous. 5. You are also saying if you modify my loan my monthly payment will be higher like$XXXX.The definition of Loan modification is an intent to make mortgage payment affordable not worst for borrower. That is very misleading statement you are making. I know in recent Mortgage Meltdown when lot of homes were foreclosed only because lot of lenders took innocent borrowers for a ride. Many well know financial Institution got hefty fines from Federal Government. Therefore please do not play same games with me. Since then I hardly trust any financial instrument but examine them under microscope. I know I do not expect any better program from you like increasing length of loan and giving low fixed rate which is open to discussion. If I do not hear any positive resolution from Arvest then let us discuss in court hearing on XX/XX/XXXX.Thank for your time. Sincerely. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX - ---------- Forwarded message ---------- From: XXXX XXXX Date: XXXX, XX/XX/XXXX at XXXX XXXX Subject: Re: ARVEST CENTRAL MORTGAGE COMPANY To: XXXX XXXX Ref :Regarding Loan Modification To: XXXX XXXX XXXX Thanks for acknowledging my complaint about Loan Modification. I am glad you are taking deeper look into my whole case. Since Mortgage companies have history of predatory lending since housing crisis and mortgage meltdown in XX/XX/XXXX and eventually Federal government courts gave them big fines. I am afraid What you have mentioned that my financial hardship is resolved at my advanced age is type of insinuation and manipulation of material facts. Your company was clever enough to give me forbearance in younger years but declined to do same in my senior years and mercilessly decided to put me on street in my senior years only because of greed. It seems your company is hypocritical when you say you are helping people in Financial Hardship. The Loan Modification should work as follows and your helping for few years was only temporary.it should be permanent and there are many options. But instead of using other options you have closed doors on me. I am not looking forward to another formal reply but real resolution to real problem. Hope to hear from you in a positive way. Sincerely. XXXX XXXX XXXX {Borrower} ================================================================= Loan Modifications A loan modification is a permanent restructuring of the mortgage where one or more of the terms of a borrower's loan are changed to provide a more affordable payment. With a loan modification, the lender may agree to do one of more of the following to reduce your monthly payment: reduce the interest rate convert from a variable interest rate to a fixed interest rate, or extend of the length of the term of the loan. Generally, to be eligible for a loan modification, you must: show that you cannot make your current mortgage payment due to a financial hardship complete a trial period to demonstrate you can afford the new monthly amount, and provide all required documentation to the lender for evaluation. Required documentation will likely include: a financial statement proof of income most recent tax returns bank statements, and a hardship letter. There are many different loan modification programs available, including proprietary (in-house) loan modifications, as well as the Home Affordable Modification Program (HAMP), which is part of the federal governments Making Home Affordable initiative. HAMP assists borrowers by modifying their first lien mortgages so that the monthly payments are lower and more affordable. To learn more about HAMP, seeThe Home Affordable Modification Program (HAMP). (To find out about other government programs for struggling homeowners, see ourGovernment Foreclosure Prevention Programstopic area.) If you are currently unable to afford your mortgage payment, and wont be able to in the near future, a loan modification may be the ideal option to help you avoid foreclosure On XXXX, XX/XX/XXXX at XXXX XXXX, XXXX XXXX wrote: Good afternoon, Thank you for contacting Arvest Central Mortgage Company. We have received your request, and additional research will be required to respond substantively to your inquiries and/or concerns. Please know that your request is very important to us. A response shall be provided to you under separate cover. Thank you, ARVEST Central mortgage company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Ar XXXX XXXX (p) \| XXXX (f) XXXX ARVEST People Helping People Find Financial Solutions for Life arvest.com
02/12/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	OK 744XX	Web	Servicemember
XX/XX/2020 my local bank staff told me about a " promotional '' credit card of zero interest for 12 months. I asked why was that not advertised I would have signed up long time ago instead of using a card with high interest. She said they do not advertise it. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. So I apply and am approved for said " interest free for 12 months '' credit card. Was also told balance transfers can be done with said card free of charge or interest. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... So when I finally get the credit card in the mail, it comes with a piece of paper with terms and says absolutely nothing about any promotion or interest free for 12 months. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. I call the card issuer Security Bankcard Center and they told me they had sent the card to the wrong address originally it was sent back so they sent out a duplicate. They told me on the back side of the paper that had the card attached to it should be the promotion terms. __________________________________________________________________________________________________________________________________________ On the back side of that paper was zilch nothing just blank paper. She then tells me after putting me on hold the reason it is blank is because it was a duplicate card sent out it is blank on the other side. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... SO then I ask her to send me the copy of the terms and promotion as I want it in writing. She asked me repeatedly to activate the card and or emanate a transfer or act like one is going to begin so they can print something up for me. She tried various ways to get me to activate the card, I believe because by activating it it would have immediately effected the terms they actually sent me in the mail contrary to what was presented when I signed up at the bank. YES consumers beware when you activate a card you accept the terms. SO if the terms are not what was presented at time applying do NOT ACTIVATE IT! ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... What is in writing can be used against me and unless I have the promotion terms in writing their transfers fees and interest I will be stuck with and have to fight them in court if I had activated the card. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. It is suspicious because the staff at the bank said they do not advertise the interest free card at all. Then to say the terms are not on the back side of the paper because they mistakenly sent a card to my address that was sent back and duplicates do not have the terms is just shenanigans. Seems like it is not advertised because when people get tricked into terms they did not sign up for and actually read the paper they do get prior to using the card, they would have evidence of the promotion papers. SO nothing in writing for promised terms makes it harder to fight in court. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... Then I was told she could not email me or find any way to get me the terms in writing. I called the bank and the person who offered me the card at interest free for 12 months said she will make a call and figure out a way to get me a copy of the terms. She did not call me back. Thus this complaint. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... I suffered slightly lowered credit because I had my credit hit to apply for this card. Consumers need to be very aware of ANY bank or credit card issuer that behaves in this way. ORAL contracts are often not winners over what is in writing. SO saying a person gets promotional terms then sending them something after their credit score is hit is just downright shady and should be treated as illegal. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. I was also charged a XXXX dollars by the same bank where I applied for the card while applying for a loan and was not told until AFTER I applied for the loan there is a XXXX dollar loan application fee. THAT also should be stopped. ANY fees for any kind of loan should be in writing and presented up front prior to any service provided and credit score run for such service. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... Fair resolution? AN APOLOGY for not letting a consumer know about a loan fee until after applying for one and the 12 month interest free promotion and no balance transfer fees should be given. I did record every phone call about the matter also so no one can say anything but the truth. This is not an integral way for any lender, bank or credit card service to do business. People should be protected from sketchy activities such as this.
06/11/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TN 370XX	Web
I received a copy of a notice of my flood insurance lapsing from my mortgage company, Arvest Central Mortgage Company, in early XX/XX/XXXX. I know my policy is being escrowed by Arvest because it shows they are escrowing it, so I call my insurance brokers and have them forward a copy of the policy. It is the same policy we've had since we bought the house in XX/XX/XXXX and I don't think anything more of it. It's a great policy that covers my house and has $ XXXX in contents coverage. I receive a second notice on XXXX, so I call Arvest and talk to someone in their insurance department, and they tell me to send a copy of the policy. I call my brokers and ask them to send it again. I call back on XX/XX/XXXX to verify that they brokers sent everything, and they say they have. On XX/XX/XXXX, we had severe flooding in our neighborhood. Several lives were lost, almost all of the houses in my neighborhood were severely damaged, and lots of property was lost. I call XXXX, my insurance provider, and they said they do not see a policy for me. I call my insurance brokers, and leave them a message to call me back, and start trying to salvage our house. The next day, XX/XX/XXXX, my insurance brokers call me back and tell me that Arvest did not have my flood policy in place and had let it lapse even though my brokers had sent them everything, but they were working with Arvest to get something worked out. On XX/XX/XXXX, the brokers call me to tell me Arvest is going to force-place insurance to cover damages, and that they would get my policy put back in place. On XX/XX/XXXX, my brokers call and let me know that the insurance should be in place, and give me a name and number to call. I call, and it is for XXXX, the force-placed insurance. On XXXX, XXXX calls to let me know they have to wait to finish getting the paperwork from Arvest to start the claim, but that they will only cover the house, and that my contents are not covered, so I start calling everyone to figure out how to get things covered and to get payments coming in so we can start doing anything. I also engaged XXXX, and put down a deposit for {$5000.00} for them to start working on the mitigation. On XX/XX/XXXX, no one has called me back, but I log into Arvest and see there are pending debits in my escrows for XXXX and for XXXX. On XX/XX/XXXX, I see that the XXXX payment has posted and that it shows them as my flood insurance providers, so I call them. They tell me that they have not received payment yet, and that because the policy had lapsed I can not make a claim because I wasn't covered during that time. The representative states that she sees where Arvest reached out to them in XXXX to get the lienholder information changed, but paperwork and payment was not provided so the policy lapsed. She states that if Arvest can show they sent the necessary documentation and show that it was XXXX 's fault for the lapse, they will retroactively do my policy and cover our losses, so I reach out to Arvest. On XX/XX/XXXX, someone from Arvest finally calls me. I explain to them what happened, that there was a flood, and that I need to know what's going on. She states that she sees a policy in place with XXXX, and I ask her to send me a copy of the insurance. I get a copy of the flood certificate showing I am in a flood zone, but not what I needed. I don't receive any other information, so I call again on XX/XX/XXXX and speak to someone explaining what happened. I explain that I need to have my contents covered, and that I have been charged for escrows for the forced-placed flood insurance, and I shouldn't be because it was not my fault the insurance lapsed. She stated that Arvest " might '' have the additional escrows waived, and that they " might '' be able to help me with my contents, but I do not feel like she understood what I was saying. Finally, on XX/XX/XXXX, I managed to get a conference call with Arvest and several representatives from my bank that sold the mortgage to them. They state that they did not pay the insurance because they could not get the lienholder information changed, so they did not get the bill. They stated that they tried several times to get the information changed, but were unsuccessful. They even sent me a copy of a letter dated XX/XX/XXXX requesting lienholder clauses changes. They said they would look into it further, and that was the last I heard from them. I sent an error resolution and qualified written request to them shortly after that. They refunded me part of the escrows for the force-placed insurance, but still are charging me $ XXXX for the force-placed insurance, but I have not received anything for contents. To top it all off, I have not received the first payment to fix the house yet either. I have been paying the mortgage for a property that I can't even live in. We hired a public adjuster because we knew that if we didn't, we wouldn't get sufficient funds back to cover the damage. I was notified yesterday by our adjuster that XXXX sent two checks to Arvest on XX/XX/XXXX for a total of {$91000.00}. Part of this was for our shed, and the other was for partial repairs on our house. We haven't seen any of that yet. I reached out today and they stated they have not received the checks, and that we have to submit the contractor 's bills to have the house repairs paid. We have not had any contractors out yet because we have not received any money. We can not hire contractors without money. It has been 75 days, and we have not had any relief at all. This all boils down to Arvest had seven months to correct the lienholder information, but they never did. They could have contacted me at any point during that time to correct it before the policy lapsed. They never did. They dropped the ball, and they are adding additional costs to my loan to cover their mistake. I can not not pay it. It is unfair, it is unjust, and it is downright predatory.
08/01/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI 48197	Web
I recently refinanced in XX/XX/XXXX with my then current lender ( XXXX ), with a first payment scheduled for XX/XX/XXXX. Mid-XX/XX/XXXX, I received a letter about my new loan being sold to XXXX XXXX, With Servicing done by Arvest Central Mortgage. In that time, I received one letter from XXXX explaining the transfer, and one letter from XXXX XXXX. Today is my first payment, and after sorting through who to pay, I was able to create an account with Arvest on their website. Mind you. I have not received a statement, nor a coupon book from Arvest. My only option for payment of the mortgage included a XXXX fee. Upon attempting to set up automatic payments for future transaction, which was fully available with XXXX, their website fails to set up the transaction. I attempted calling customer service and said their website was down. They told me that IT was aware of the problem and was working on it. Further research on the Internet further shows, however, that this has been the case for at least 10 MONTHS. With the exception of a couple 5 star reviews, nearly every Arvest review is ONE STAR, with a complaint about the 5-10 $ charges for online and phone payments, plus the website being broken for the establishment of recurring payments. I spoke with the XXXX agent and they said there was little they could do at this point other than not sell to that vendor. I contacted XXXX XXXX and was told that a reassignment of servicer couldn't be initiated by a consumer. When I explained my situation and asked for arvest to be investigated for predatory practices ( gouging on fees and making things difficult to set up auto payment most likely to increase payment fees and late fees ), my case was escalated, where I was told there was nothing they could do during the escalation, that credit companies are supervised by the CFPB ( you ). I also called Arvest back and requested speaking to a supervisor. He acted like he didn't know the website was broken, and lied straight to my face about it. I told him he must either be new or that he's lying, because I had read the past 10 months of reviews online in places like XXXX. He insisted, again, that he had worked there for 4 years, and that he needed my information to verify his website was broken. I am certain, with one look at places like XXXX or other online reviewing agencies, no consumer in their right mind would ever pick Arvest. Further, with reviews mentioning the random account fees, the bad cust service, the always broken website, and the extreme hassle, no sane consumer would STICK with Arvest central. I am lodging a complaint first at Arvest, because they are out there ONLY to gouge people. They never sent me a statement. Never sent a coupon book. This is my first payment with them, and I am gouged XXXX $ to make a payment online or on phone ( and I am not alone ). Next, they obviously don't meet the qualifications for a XXXX XXXX lender, or, the XXXX XXXX regulations are so dated as to be worthless. If they can not maintain a website far enough to allow a form to enter account information to actually take automated payments, they are obviously more interested in collecting the fees from late and non-payment that their system provides. But, further, I am lodging my complaint at the inability to change servicers on request. Not only is Arvest, in the words of one XXXX review, the " worst of the worst '', I was forced Into this servicer with absolutely zero choice, foreknowledge, nor resolution. Arvest is piece of garbage, business wise, and everything from their customer service to their website shows it clearly. The ONLy reason they are still in business is that consumers, the people that the CFPB is supposed to be protecting, hasn't audited them, allows them to continue business, and because XXXX XXXX solicits their service. In a free market, they would have been shut down years ago. With bad reviews going back at LEAST to XX/XX/XXXX. No other busineds in a free economy allows consumers, like me and the many others like those on XXXX, exists where consumers buy a product from one vendor, and then are sold to another, inferior, garbage racket that likes straight to you, charges exorbitant fees simply to line the pockets, and gives the consumer literally zero recourse. It is ridiculous. It is criminal that this company is allowed to exist and simply rob from people who bought legitimate mortgages from legitimate vendors who actually care about their customers. It is doubly so that I, as a consumer, have zero recourse when it comes to this. If they wanted to charge a XXXX $ transaction fee, then what? XXXX $? I would have to pay it, because I bought a mortgage? And, the first time i caught a company lying to me straight away, let alone twice in a day, it wohld be the end of it. And whose interest is it in that I can't change it? Theirs. They don't have to provide a single service, fix a single website, or do anything else, because they know I can't request a change? Please.. investigate Arvest Central Mortgage, and don't listen to their lies about " we don't know '' or " were working on it ''. They're not. XXXX proves they haven't fixed a thing in at least 10 months. And ... fire them. Because, as the current mortgage laws go, I can't. And, I would have by now, and it's only my first day. It is ridiculous to think that this company should be afforded any protection at all, because I, as the consumer in good faith, embarking on a 30 year transaction, certainly don't have ANY when It.comes to who services my loan. Thank you and have a good day.
02/16/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 61604	Web
on XX/XX/XXXX, I first learned of a foreclosure set against my home. I received a returned check that was mailed on XXXX XXXX ( 10 days there and back to my home ). I was understanding I had until XXXX XXXX ( 120 days ) to stay on top of the mortgage as I had 2 XXXX earlier in 2022 and was working on catching it up. They accepted payment in XXXX which should have taken me out to XXXX.I didn't get to speak with anyone on this matter this day. On XX/XX/XXXX, I contacted the Mortgage company again as I received the official foreclosure packet dated XX/XX/XXXX ( 15 days to land, 1 way ). The number provided for direct contact did not have an active VM at that time. On XX/XX/XXXX, I also contacted the attorney that was provided in their documentation and left a VM. after 24 hours I attempted to call the attorney again on XX/XX/XXXX with no response. On XX/XX/XXXX, I called the number again with the attorney ( Left VM ) and with the Mortgage company. ( No VM available ). I looked up the Mortgage co main number and dialed in that way. On this day she understood we were trying to resolve this and that she would reach out to that attorney directly and see what was going on. I was also given a new number for that Attorney 's office at that time. Contacted the new Attorney number and left another VM. At this point, we were rolling into the weekend. I gave it a couple of days in between to allow a return call. On XX/XX/XXXX, I spoke with the mortgage company again asking why can I not get ahold of them. The mortgage company sent out an email ( XX/XX/XXXX ) directly to the attorney requesting the reinstatement themselves and noted that the email was opened by the attorney and should hear something within 1-2 days. She also stated that the deadline for Mod assistance dated XX/XX/XXXX is voided as the circumstances with the discovery of a resolution could not be determined due to lack of info being provided. On XX/XX/XXXX, I looked up a general number for the attorney hired by the company. Spoke with a receptionist and was given yet a third number. Called and left another VM. At this point, I have not received any other documentation, contact, calls, demand letter, reinstatement total, or anything in regard to a resolution. I also raised questions with the escrow account along with the money held in suspense that I was paying extra towards the loan to catch up It wasn't until XX/XX/XXXX, I received a reinstatement response from their attorney and continued to bill during this time. I requested an Itemized billing by date with every action they have taken and also request a meeting with the attorney and accounting to determine why this is the first I am hearing from their offices and why they did not respond to the mortgage company. I was told by the attorney they continue until the Mortgage company says stop. I called the mortgage co back and spoke with someone new at this point. I was told those charges were incurred prior to my request. Then I reaffirmed that is not the case as I have an itemized billing from them disputing that allegation. At this point, each party was finger pointing and the attorney said I need to speak with the Mortgage co and the Mortgage co said I need to talk with their attorney. At this point, I had no choice but to resolve the amount stated as this put my career in question. I ended up paying the reinstatement amount, not because I agreed with it, but to protect my professional life. It was never an issue that the funds weren't available. My issues- There was no prior communication and the mortgage company is stating they did not have a good number, email, or mailing address for me. ( yes the mortgage company of the property had no address for me ). None of that info has changed in 5 years since I started dealing with the Mortgage company directly. I was told their system changes could have caused this issue, in turn, put the home into foreclosure and delayed any remedy. They did not comply with the fair dealings and good faith act on behalf of a mortgage servicer. After paying the reinstatement amount, I received another statement showing over XXXX owed when the same day, I received a reinstatement confirmation stating we are no longer in default and the reinstatement from the attorney showed all fees past and future for dismissal as part of the reinstatement amount. Receiving docs that were only good through the date it was printed and then mailed. The mortgage company in relation to the attorney they hired, did not give any notification, mishandling of information, admitted faults with their mailing, and still can not answer the questions raised on the escrow account. This was not a single misstep along the way but a combination of multiple actions or lack of action that has warranted seeking action. This was an intentional delay and foreclosure of the home and then continued to make it impossible to resolve for months on end. This has not only caused more of an unnecessary financial burden but the hours on the phone with them and the emotional strain through the holidays and months on end. and continuing to prove a financial burden being accumulated after an agreement was reached. Thank you for your time and hope we can prevent other families from falling into this domino effect from faulted business practices.
08/22/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	OK XXXXX	Web	Older American, Servicemember
In the matter of resolution of fraudulent charges to our Arvest XXXX Card Account with : Arvest Bank Dispute Resolution XXXX XXXX XXXX XXXX GA XXXX Case Number XXXX My wife and I have a joint VISA Card account with Arvest Bank XXXX Within this account, we each have been issued our own individual card with different numbers. On XX/XX/XXXX we discovered 6 charges had been made to our XXXX XXXX card account which neither I nor my wife made or authorized anyone else to make. At the time these charges were made, both our cards were in our possession and have remained in our possession to this date. These charges were made to our account using my credit card number ending in XXXX. Amount Merchant Name Transaction Date {$170.00} XXXX XX/XX/XXXX {$9.00} XXXX XX/XX/XXXX {$9.00} XXXX XXXXXX/XX/XXXX {$210.00} XXXX XXXXXX/XX/XXXX {$10.00} XXXX XXXXXX/XX/XXXX {$10.00} XXXX XX/XX/XXXX NOTE : Initially there were 5 charges. XXXX in their response stated that for one charge of {$180.00} on XX/XX/XXXX the customer was then charged in separate amounts ( {$170.00} and {$9.00} ) based on their selected delivery option. Immediately upon our discovery on XX/XX/XXXX, my wife notified Arvest XXXX via phone and disputed these charges. The Arvest XXXX representative immediately canceled both our cards and initiated the issue of new cards to us in each of our names. In a letter dated XX/XX/XXXX ( copy attached ), Arvest Bank acknowledged receipt of our dispute on XX/XX/XXXX and stated that they had initiated an investigation and requested information from the merchant. ( We were previously advised by an Arvest XXXX representative that this may be turned into a fraud case. ) Also on XX/XX/XXXX, our Arvest XXXX account was credited for the total amount of the 6 disputed charges pending outcome of the resolution as stated in the Arvest letter of XX/XX/XXXX. In a letter dated XX/XX/XXXX ( copy attached ), Arvest Bank informed us that after review of all available information and documentation that they had determined no billing error had occurred and that we were responsible for the following disputed transaction : Merchant Name Transaction Amt Transaction Date Reference Number XXXX {$170.00} XX/XX/XXXX XXXX Arvest Bank reversed the temporary credit for this disputed transaction and charged the transaction amount of {$170.00} back to our Arvest XXXX account on XX/XX/XXXX. Also, attached to the XXXX letter of XX/XX/XXXX was a hardly legible copy of the merchants response that is quite difficult to read. Shortly after receipt of the Arvest Bank letter of XX/XX/XXXX, my wife called XXXX XXXX to see what recourse we had and how best to refute XXXX findings and determination stated in their letter. The XXXX XXXX representative recommended we write a detailed letter and include any information and documentation that would further support our initial dispute of this transaction and our disagreement with XXXX VISAs findings and determination. The representative also recommended that we include screen shots of my XXXX purchase history covering the time period of the disputed transaction. Attached is a copy of our letter that we wrote and I signed on XX/XX/XXXX. Included are copies of the XXXX attachments to our letter ; i.e., my XXXX XXXX XXXX for that period and XXXX XXXX. We sent our letter as directed to Arvest Bank Dispute Resolution via XXXX First-Class Mail with tracking which shows it was picked up at the XXXX, GA XXXX XXXX XXXX XX/XX/XXXX at XXXX am. To this date, Arvest Bank has yet to respond to our letter of XX/XX/XXXX. We have called Arvest XXXX at least twice now requesting status of our letter and disputed transaction. All of the Arvest XXXX representatives that we have spoken with have been most polite. Too, each of the Arvest XXXX representatives of late has acknowledged that they have received our letter. However, our conversations with them have not helped us in getting our dispute resolved. The Arvest VISA representatives cant or wont transfer us to someone in the Arvest Bank Dispute Resolution Department who can help us. The story that we get each and every time from the Arvest XXXX representatives is that all they can do is take our information along with our request to reopen our dispute for further review. They then tell us that we should be getting a written reply from the Arvest Bank Dispute Resolution Department in 8 to 10 working days. However, we never hear from them. The last time one of us spoke with an Arvest XXXX representative was when I called on XX/XX/XXXX. Still to this date we have not received a reply to our letter of XX/XX/XXXX. In a letter dated XX/XX/XXXX ( copy attached ), Arvest Bank notified us that our dispute of XX/XX/XXXX for the other 5 transactions had been resolved in our favor. This leaves only the one disputed transaction in the amount of {$170.00} on XX/XX/XXXX that has not been resolved to our satisfaction.
11/08/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	AR 72223	Web
I am XXXX XXXX. I want to file a formal complaint against Arvest Bank, specifically, against the branch located at XXXX XXXX XXXX, XXXX XXXX, Arkansas, XXXX. I transferred XXXX to my Arvest account on XX/XX/XXXX from my XXXX XXXX account. I went to the named location about XXXX XXXX to withdraw the funds on Saturday XX/XX/XXXX. I presented the teller with my state drivers license and debit card for verification of my identity. I was told by the tellers that it could take up to XXXX or XXXX hours to receive my funds because the back office needed to review my account to make sure my cash transfer wasnt fraud related. They told me to leave and they will call me when the back office reviewed my account. I informed the bank I will not be leaving. I need my funds before the XXXX or XXXX hours because I needed to handle some very important business. I didnt understand how it could take up to XXXX hours because the bank wouldve been closed and I possibly wouldnt have had access until Monday. I then asked for the back offices phone number so the teller provided me with a XXXX number. I then called that number, the representative stated my funds are not on hold and she doesnt understand why Im not able to withdraw my funds out of the bank. The representative then called the named branch and the tellers told her it was up to the Branch Manager to give me the funds. It was almost closing time at this point, around XXXX. I had been at the bank for almost XXXX hours at this point trying to withdraw my cash transfer and its XXXX minutes until closing. I asked the teller for an update, the teller explained that the back office had not emailed back and I may not get my money on that day. She also advised me to leave that location and try another location. Which didnt make sense because I wouldnt have made it to another location before closing time. I then decided to leave the drive thru and go into the bank. I had teller XXXX call the branch Manager XXXX. I explained to XXXX that Arvest was illegally holding my funds from me and by doing that Im missing out on my business opportunity due to waiting for XXXX hours to get my funds. After threatening to file complaints with the appropriate agencies, I finally got my funds. He threatened to close my account. However, due to them illegally holding my funds, I was not able to make the necessary purchase for my business. I missed the window of opportunity. I spoke with XXXX on XX/XX/XXXX, which is the supervisor to XXXX. She explained there has been a lot of fraud and thats why I wasnt able to get my money timely. I explained to her that deposits are federally regulated, and its illegal to withhold my cash transfer. Her explanation to me, well you did get your money. I then explained to her after it was illegally withheld from me about XXXX hours. XXXX then stated the teller asked what I was going to do with the money. I explained to XXXX that it wasnt Arvests business what Im going to do with my money. I then asked to speak to her supervisor. I spoke with XXXX supervisor XXXX on XX/XX/XXXX. He also explained there has been a lot of fraud with XXXX XXXX and checks and thats why he put that system in place where funds coming from XXXX XXXX will have to be reviewed by the fraud department. He explained they are doing this to all customers and Im the first person that has ever complained. He also informed, on the weekend, there's a skeleton crew and its not a guarantee that someone can review the accounts. I explained to XXXX that I understand the extra measures put in place to curb fraud, however, he should make sure the manpower is available on the weekends to handle these accounts in a timely manner. I also told him Im a customer, but was treated like I was a part of a fraud ring. I explained to XXXX that my cash transfer was illegally on hold for XXXX hours and it was unethical and not okay. XXXX then explained that hes going to continue doing it the way hes been doing it. Hes not going to change anything about it. I asked to speak with his superior, but he told me he was going to close my account and he hung up the phone. My formal complaint is that Arvest did not provide their customers with a written disclosure stating a cash transfer from XXXX XXXX will delay the customer in withdrawing the funds from the bank and it also may hinder the customer in withdrawing the funds on the weekends due to the lack of staff on the weekends. As a result of Arvest actions, I wasnt able to complete my purchase for my business. I also feel like Arvest highly discriminated against me because of the color of my skin and Im being retaliated against by reacting to their unethical practices. Arvest is threatening to close my account. I would like for the Branch to be investigated for their unethical practices. XXXX XXXX Phone : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX
08/17/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95687	Web	Older American
XXXX XX/XX/XXXX I am tired of the circlel of lies from Arvest Central Mortgage Company attempting to correct information that keeps re-ocurring with incorrect, inaccurate information or lack there of from Arvest.An example of one of my issue with Arvest is reporting my mortgage payments in an untimely basis which caused a " a reported late payment from them to all 3 Bureaus. My many problems with Arvest started when they took over Central Mortgage which was only a servicing company for them. All XXXX broke loose, information was all wrong! It also continued with me trying to refinance my home loan, which they denied 4 times, because I didn't allow their agent to enter my home so that they could take picture and force a foreclosure. in XXXX, Arvest decided that they would charge me for this service that they wanted and I would not agree to a fee of {$11.00} ; which they took from my monthly payment ( for two months ) which then caused the payment to be late because of insufficent funds in order to charge me a late fee. This is just wrong and they never notified my of this offense. They listed this as " Ext. Prop Inspection Payment '' of {$11.00} for two months They ordered it they should pay for if it if the homeowner is not told or notified in advance. They charged it after the fact ... is that legal, really???? They caused my current payments to become negative ... not my fault the payment was on-time. It is like they are stealing and punishing me for not agreeing to their inspections! Then after we filed bankruptacy in XXXX ; and it was dismissed in XXXX. Arvest still reported a bankruptacy every month. Finally, I started monitoring my credit reports and noticed that there were so many errors being reported by Arvest : like : the account was closed ; while accepting on time payments from me each month to this date, was a XXXX XXXX loadn ; but was a conventional load, the monthly payment was wrong, incorrect late payments, amount paid each monthly, term of load, the list goes on and on. I contacted them, and spoke with a XXXX, many times, year after year, and the same problems would reappear because of a clitch that they had in their system but in the meantime my credit suffers and continues to suffer. XXXX has tried but to no avail, I guess they tied his hands as well. The most damaging problem is that there is a negative clause that is based on the date of closure that Arvest provided to the Bureaus, that keeps this account negative until XXXX. This must be removed Arvest claims that they have no control over this issue with the credit bureau, but they supplied the date the account was closed as the reason for this clause in the first place. I then tried to get the Credit Bureaus to remove it and they said that they can't it has to be removed by Arvest. Neither will not listen and unwilling to address my complaint about this for years. Arvest is a preditor lender that is keeping me from trying to refinance with another institution because of their tatics to keep this account. Because of rought period in my life, I tried to request refinancing but they gave only one reason to deny me and that was because I would not allow their representative to enter my home and start taking pictures for them. Then, Arvest decides to to into my on-time payment and charge me a " Ext. Prop Inspection Payment '' which I knew nothing about and caused two months late payment in XXXX. Just recently, in XXXX, I applied to have my car refinanced, and low and behol, Arvest had reported my mortgage payment late, when it was on time, because they were late reporting to the Credit Bureaus in a timely fashion, because there was a clitch in their system. If I had not tried to refinance my car, they would have allowed my credit report to take the hit for a late payment that they know will have a profound effect to my credit score. They didn't even bother to notify me that the error had transpired ; I had to inquire with them about how this happened when the payment was on-time?????!!!! There has to be some form of retribution for preditory lenders like Arvest. I believe this happened with a payment in XX/XX/XXXX which they show as the only time a payment was late, but they refuse to fix this error. I have not more faith in their ability to report accurately to all 3 Bureaus and this also has to be correct. This is why I choose to eventually leave this instution. I need your assistance to make Arvest do the right thing and correct their mistakes that they say they fix but it comes back misteriously without an explanation of than a clitch in their system If they are allowed to cotinue with these practices, the consumer had not other recourse but to have you step in and help the consumer. THIS MUST END PLEASE!!!
08/24/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CT 064XX	Web
I do work, and felt that I could always afford my home, however, in XX/XX/XXXX - I was facing a foreclosure -hired a lawyer to assist me. Package was presented to me ( at my home since I was ill at the time ), and a modification was signed from a 2.68 %. to a 2 %. ( A XXXX XXXX Mtg. ), through Central Mortgage Company, which is now Arvest. The payments, though was still not adequate for me and they had made a mathematical error when they first processed the amount, which was about {$200.00} less and I was pleased.Then they got back to me that the amount was an error. I was able to deal with it for about a year - then in XX/XX/XXXX- I was having more trouble, XXXX, 2 XXXX, medical bills, kids in college, increase in monthly bills. I was late on a payment, then missed a month, I paid late on the third payment, they refused the payment and sent it back. At that point, I was then given papers to fill out to see if there was any help I could receive. I spent about a year doing this myself - going to court for meditations, etc. I hired a lawyer in XX/XX/XXXX. of XX/XX/XXXX to help me through the last leg of this journey, who was kind enough to let me pay in installments or else I would not have been able to get that assistance. I have been told that the government does n't care about my situation or emotions. I was told there was nothing they could do since they had already taken away part of the previous percentage in XX/XX/XXXX and the mortgage is already extended to 40 years ( I believe ). The way I am being treated through this process is liken to bullying. I am trying all I can to save my home. My monthly expenses are now being paid on-time, only because I do n't have the mortgage, and I only carry 2 credit cards. I do n't have 'debt ' in that area so to speak, therefore I felt bankruptcy was not a reasonable option for me. I still have XXXX children living here, XXXX who has a fiance who is XXXX with XXXX XXXX and these complications have stopped them from being able to move out since she will give birth in late XX/XX/XXXX and go for her XXXX XXXX about 7 weeks after the XXXX.We are not sure what her recovery and treatments will entail, therefore, I can not just push them out at this time. I am a XXXX and I feel I make a reasonable salary, however, I have been told that the government calculates that I can afford my payments based upon my gross income. I am very confused by this, since I have to provide financial information, bills, tax information, etc. which show my net income and my expenses. How can the government calculate upon gross income yet still want all the other information and deny any other help? My taxes show that my taxable income is {$69000.00}. a year, when filed -how does this compare to being able to afford a roughly {$2000.00} mortgage and be able to keep up with the monthly expenses. My children do assist, but they are earning wages that do n't allow for much since they also take care of their own expenses like car loans, car taxes, and their student loans. Ca n't get much more out of them at this time. Please, I am not a bad person and if the company were to lessen my mortgage payment by {$350.00} I would be able to afford my home again. If there is anything that can come from this, it is my hope that help can be provided in some way rather then my home being evacuated, and then it sits for months on end, as so many foreclosures do. In my area where I live, there are 3 homes within walking distance of me that are foreclosed, and thus far, they have been empty for 1-2 years already. This is a sad situation for all families and I still believe there can be more help given. If big banks can get their 'buy outs ', why ca n't a homeowner be allowed to be funded in other ways when things get difficult. Many people are thrown into this situation and then it is rather humiliating, and intimidating when trying to work out a reasonable compromise.At a court mediation just this week, I was spoken down to by the mortgage company 's 'lawyer ', and made to feel less than a person. She was rude and sarcastic. This is no way anyone should be treated. I have jumped through their hoops now for a year and a half and have lessened some of my monthly bills to show at least a {$200.00} less payouts for some of my bills ( such as phone, internet, cable ), I had also changed home insurance companies to get a lesser figure to help and although my son has his own issues, he has contributed some monies these past few months, as I was directed to do, and yet - they still will not afford me the opportunity to save my home. It is emotionally abusive what I have been made to go through. I would appreciate your response and will afford you anything you may need to further this. Thank you very much.
09/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MO 63301	Web
In XX/XX/XXXX I went on forbearance due to Covid-19 I was told by Arvest Central Mortgage it was covered under the CARES ACT and would not affect my credit in XX/XX/XXXX2021 I resumed making my payments and to stay on good terms Did a loan modification I was again told it would not affect my credit I started taking steps to refi and pay down some other debt For questions regarding this account please contact : ARVEST CENTRAL MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ( XXXX ) XXXX On XX/XX/XXXX Received text from XXXX XXXX XXXX XXXX Account ending in XXXX within 100 $ of limit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Confused because other than XXXX monthly charge keep card active not used in more than a year Limit was dropped to just above what was owed XXXX $ credit limit it was lowered over XXXX $ I assumed it was due to low usage did not look into other than to call XXXX bank to explain my situation I requested a restore limit I talked to someone with a thick accent named XXXX he had to request restore for me and told me it was Denied this time in a letter ( XXXX ) no letter received Eventually I realized that XXXX XXXX XXXX XXXX had also dropped one of my credit limits down to {$100.00} I called them and I was able to get a explanation letter mailed to me XXXX it explains that I had derogatory remarks on my Credit regarding Mortgage late and missed payments I explained that this was not a legitimate hit on my credit and they initiated a dispute with XXXX XXXX the credit company that reported it I have not received the results from that dispute my credit limit is still {$100.00} for XXXX XXXX XXXX For questions regarding this account please contact : XXXX XXXX DC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX ) XXXX I am submitting the letter I received from synchrony regarding my XXXX XXXX XXXX it shows on there the derogatory remarks on my credit and why my credit score was lowered to XXXX as of this day I have not been able to get a letter from XXXX after several requests on an explanation in writing why my credit limit was lowered over {$10000.00} At this point I was able to get some credit reports mailed to me but there was nothing I could see regarding my mortgage any statements or derogatory remarks have been removed However I was able to get a report from credit karma from back in XXXX of this year when it hit my credit in XXXX it lowered my credit score to XXXX causing several accounts to change my credit standing and all of this happened at a time where I was trying to do a refi on my mortgage so it lowered my score then it was removed. Before mortgage company pulled my credit in XXXX so my mortgage guy and the company writing the new loan didnt see the actual reporting of the late or missed payments from arvest central mortgage but the damage was apparent and it raised my house payments over {$300.00} a month with the new company By the time I was able to investigate what the problem was new loan was written and so now Im on the hook for {$1300.00} a month my house payment which is over {$300.00} more than I was paying and if I dont somehow mitigate those damages I will have to sell my house I had no plans to do so On XX/XX/XXXX I spoke with XXXX from Arvest central mortgage after explaining my issue she stated that I was protected under CARES ACT until I came out of forbearance and then they could report it. She said that I was in a partial payment agreement she said that I had missed three payments and she was unaware of a loan modification I told her that what she was reporting to me was not correct that I hadnt missed any payments and I had done a loan modification and was never on a partial payment plan after speaking to her team leader name XXXX she informed me that the derogatory remarks were removed from my credit before the loan was closed and I told her that they should have never been reported on my credit and it had to of been a mistake and she admitted yes it was a mistake and it was removed however the damage has been catastrophic and Im not sure how to fix it It has cost me a lot of money damaged my credit and raised my house payment over {$300.00} a month for starters Im not even sure how deep the damage goes It is currently on all 3 of the reporting agency reports My score has rebounded somewhat but for someone who has no late or missed payments it is still quite low ( XXXX ) and looking at my current report there are several conflicting statements from Arvest making it very hard to understand XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
12/10/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL XXXXX	Web	Older American
Arvest Bank, previously Arvest Central Mortgage Company ( ACMC ) bought our mortgage on XX/XX/2022. We received a letter stating that our flood zone had changed from X to AE from XXXX on approximately XX/XX/2022, and we were required us to show proof of flood insurance within 45 days of the effective date. The letter was dated XX/XX/2022. Prior to this letter we had received no communications from FEMA or XXXX stating that there was a change to our flood zone. My husband I assumed that the effective date was XX/XX/2022, the date of the letter. I reached out to XXXX on or about XX/XX/2022. I was told that I would need to contact FEMA for a Letter of Map Amendment for our specific property. I was also told that XXXX XXXX, a 3rd party company hired by XXXX made the decision that our property was now in a floodplain. I asked that they send me a copy of the letter from XXXX XXXX. I called FEMA, they found no record of a recent flood map change to our community and said that according to the current FEMA maps the community was classified as flood zone X. They recommended that I reach out to the counties floodplain administrator. The Flood Plain Administrator sent me a copy of the XXXX from FEMA for our community which shows our entire community in flood zone X and a letter for XXXX stating that our property is not in a floodplain. I sent this to XXXX. After a two weeks of no response, I called XXXX and was told that they never received my information. On XX/XX/2022 I sent the information to XXXX a second time. My husband and I were away for a week. I contacted XXXX when we returned and was again told that they had not received the information. At that time, I was given a link to upload the information. During this time, I was also collecting the information needed to apply for the Letter of Map Amendment ( XXXX ) from FEMA. I asked each time I spoke to XXXX to speak to a supervisor. Each time they were always busy and I never received a return phone call. I contacted XXXX after almost a week of no response and was told that the XXXX for the community and the letter from the Floodplain Manager were not enough to remove the requirement for flood insurance and I still needed to apply for a LOMA from XXXX. A XXXX takes a minimum of 60 days to be issued ; my husband and I bought flood insurance on XX/XX/2022 to meet the 45 day requirement from XXXX. After XXXX received our notification of our flood insurance {$1200.00} was deducted from our escrow account to pay for forced flood insurance from XX/XX/XXXX the issue date of our flood insurance. At no time was I told that this would happen. I asked again to speak to a supervisor and again I was told that were no supervisors available and I never received a call back. I asked if the money would be put back into our escrow account once we received the XXXX from FEMA. XXXX also raised our monthly mortgage payment for the second time. This time it was raised {$170.00} Our application to FEMA was completed and filed in XXXX. FEMA requested more information from us twice during their review. I contacted Arvest Bank on XX/XX/XXXX. I asked again about a refund to our escrow and was connected with XXXX XXXX, a Resolution Specialist. I gave XXXX all the information on our situation. She said that she would research our claim. When we spoke again she told me that she was told that we had allowed our flood insurance to laps and that is why they needed to deduct money from our escrow. I told her that we were never required to buy flood insurance. She researched our closing documents and found no record of a requirement for flood insurance. She sent our case to the flood insurance department supervisor, XXXX XXXX. I received a phone call from XXXX two day later saying that our flood designation was changed due to the pool cage. I tried to explain that flood designations are based on elevations to no avail. We received the XXXX from XXXX on XX/XX/2022. I sent this to XXXX and the requirement for flood insurance has been removed ; however, no money has been returned or refunded. We request the following money be returned and refunded : Reduced Escrow : XXXX Flood Insurance : XXXX Survey for XXXX : XXXX Increased Mortgage Payment : XXXX TOTAL : {$2400.00} Additionally we request that Arvest Bank drop the requirement for an escrow account without any fees. To date, our taxes and our home owners insurance have been paid for the year and {$2500.00} remains in our escrow account even after the {$1200.00} deduction. We would like to manage our own home owners insurance and taxes.
12/19/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92660	Web
My complaint against Arvest Mortgage XXXX includes their failure to provide me with XXXX XXXX options. I have been working with Arvest for a while, but now that I have a job, which cures my hardship, Arvest suddenly put a foreclosure sale date on my home. During the numerous applications for help and appeals from Arvest, Arvest did not allow me to make partial payments. Arvest added fees, charges, etc. while I was trying to cure my hardship which can make my situation difficult and unaffordable for me to retain my home. I believe Arvest did this on purpose. My home is scheduled to be sold on XX/XX/2022, at a foreclosure sale. I am asking if you can stop the sale date and help me with Arvest to retain my home. On XX/XX/2022, I recently cured my hardship with a new job that grosses $ 4800 monthly. On XX/XX/2022, Arvest filed the foreclosure sale date while I was working with them to retain my home by filing appeals to their decision. I truly feel that Arvest is not working in my best interest to help me to retain my home. I sent Arvest numerous requests to make partial payments and help to save my home, but they would not stop the foreclosure to allow me to catch up or limit the amount of my arrears. Here is a chronology of my efforts and interactions with Arvest in retaining my home with the latest first : XX/XX/2022 Foreclosure Sale date of my home is scheduled at XXXXXXXX XXXX XXXXT. XX/XX/2022 Filed complaint against Arvest Central Mortgage Company citing unfair home retention efforts with the Consumer Financial Protection Bureau. XX/XX/2022 Arvest quickly denied all home retention options and closed my case. XX/XX/2022 Document of an email from Arvest showing that the secured emails to me last only XXXX weeks. XX/XX/2022 Because Arvest stopped my access to their online mortgage system, I requested Arvest to provide me with my latest monthly mortgage and escrow statements to complete my application with the XXXX XXXX XXXX XXXXXXXX ( CRMP ). The XXXX provides up to {$80000.00} as a payoff towards my arrears with Arvest. The money gets sent directly to Arvest. Since learning about CRMP through Arvest, I have been working with Arvest to work out a plan less the {$80000.00} from XXXX since XXXX does not allow more than {$80000.00} owed to the mortgage company. Since I owe more than {$80000.00}, my application with CRMP was denied. XX/XX/2022 Provided Arvest with my latest employer 's pay stub in the gross amount of {$4800.00}. My total gross earnings including my pension are {$10000.00}. XX/XX/2022 On XXXX of the letters from Arvest, Arvest included " XXXX XXXX '' in the correspondence with me. I do not know XXXX XXXX or how he is linked to my mortgage. Can this error be reviewed? Perhaps there are more errors and mistakes with my request to retain my home. XX/XX/2022 Submitted my latest borrower package to Arvest, and the email they provided me came back as undeliverable : XXXX Arvest only gave me 2 days to submit the package. Luckily, I included another email address that I used previously in other correspondence with Arvest. That email address went through, and my application was sent in time. I emailed Arvest about the faulty email address and they have not responded about their mistake which could have cost me my home. XX/XX/2022 Appealed Arvest 's denial to let them know that my next pay stub will come about XX/XX/2022. I informed Arvest that I receive my income monthly and that my first pay stub to them was for a few days of work which I started on XX/XX/2022. XX/XX/2022 Appealed Arvest denial from XX/XX/2022. Asked Arvest if I can make partial payments and use XXXX XXXX XXXX XXXX. XX/XX/2022 The notice of Foreclosure date was filed. XX/XX/2022 Appealed Arvests decision and asked them to provide me answers to my questions XX/XX/2022 Appealed Arvest 's denial from XX/XX/2022 and asked them to provide answers to my questions/concerns like taking me out of foreclosure so that I can make partial payments, help with the XXXX XXXX XXXX XXXX XXXX and providing the calculations they used to deny my request. XX/XX/2022 Arvest denied all home retention options. XX/XX/2022 Received the XXXX XXXX XXXX for foreclosure alternatives per my request after being denied. XX/XX/2022 XXXX denied all home retention options.
06/26/2018	Yes	Checking or savings account Other banking product or service	Closing an account Funds not received from closed account	CA 92027	Web	Servicemember
My dad passed away without a will in XX/XX/XXXX. I contacted Arvest to provide them with a death certificate and other court documents to move the process along. I discovered in XX/XX/XXXX that my dad seemed to have a lockbox with Arvest. I have recently found out that it was opened as part of a joint account with his wife at the time who he divorced in XX/XX/XXXX. The joint account was moved solely into my dad 's name. I contacted Arvest in XX/XX/XXXX and provided them with the lockbox information. They indicated no fees were due at this time as the lockbox was free with the checking account but that I could check back to make sure nothing was changed as the account needed to be closed and transferred into an estate account. They indicated I would need a letter from the court listing the specific lockbox information. I notified my estate attorney of this the same day. I called Arvest again in XX/XX/XXXX to confirm the same. I was told by another representative of the process. I provided the lockbox information to which they indicated fees were owed. I asked if they could send me an invoice as I am out of state. I once again confirmed that once I pay the fees and provide the document from the estate, I would be able to close the lockbox. When I received the invoice, I contacted a local assistant branch manager via e-mail to confirm where to send the check to. She indicated since she is familiar with the situation, I could mail the payment to their location and she would make sure it was taken care of on XX/XX/XXXX. The check was cashed by Arvest XX/XX/XXXX from my personal account. The court approved the document listing the lockbox number and specific address for its location. I sent the requested document to the same assistant branch manager on XX/XX/XXXX. She responded the next day with, " Unfortunately we will not be able to close the box because there is joint owner on the box. The joint owner would need to be the one to close the box. '' I let her know this was the first time I was hearing of any joint owner. I then provided her with a copy of the divorce decree that same day. She responded the day later indicating, " Unfortunately the court didn't know there was a joint owner on the box, and divorce does not change the ownership of the box - We will not be able to close the box without the owner. '' I expressed my disappointment that same day in a professional manner but heard nothing further from her. I did receive a voicemail from a new representative ( XXXX ) on XX/XX/XXXX. I attempted to call her back that same day as well as XX/XX/XXXX and XX/XX/XXXX. I left messages with three separate individuals who said she was the only one who could help me and they would have her call me back. Upon consulting with my attorney, I reached out to the assistant branch manager via e-mail on XX/XX/XXXX requesting reimbursement of the fees I paid and a copy of the lockbox agreement. I called XXXX this morning and was able to reach her. I let her know of the situation to which she indicated the assistant branch manager had forward her my most recent request but there was nothing they could do without a document from the court. I reminded her that I already received such a document and sent it over earlier in the month. She indicated she would follow-up and get back to me. Before I let her go, I asked why Arvest would send me a bill if I had not been previously told that paying it was necessary. She indicated that the address for the account was updated when the account changed. She called back roughly an hour later to let me know that the document I had was not sufficient. I asked for a refund. She refused. I asked for a copy of the lockbox contract. She refused. I asked if she could send me such denials in writing. She refused. She was incredibly short during both conversations and was clearly set on irritating me so I would hang up or give her an excuse to hang up on me. I called the assistant branch manager as she has been the most helpful. I let her know of the situation and what I needed. She kept putting me on hold and I asked her to please e-mail what specifically I needed so I could return to work. I have not received any further response from Arvest and feel that I am once again being treated unfairly.
06/17/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92504	Web
Since we were under COVID forbearance before we filed which according to XXXX was XX/XX/XXXX, somewhere my payments for XXXX and XXXX didnt get recorded correctly, although still in forbearance, we filed XXXX XX/XX/XXXX, XXXX kept informing us they sent the reaffirmation paperwork to our lawyer but we never received them, finally we were told by XXXX they sold our loan to Arvest in XXXX of XXXX, the turnaround time for the process of a reaffirmation is 3-6 months since everything has to be ink signed, and can only be transferred through physical mail in which all parties must sign including the BK court. So we lost every single on-time credible payment, in which we have never been late on our mortgage in the 12 years from then prior. So Arvest acquired our loan in XXXX of XXXX, and it would be for another month or so before our account would be fully transferred to them. Obviously they cant change any terms on our loan and we were still under COVID forbearance. They gave us no chance to restructure or reaffirm our loan since we were to be discharged on XXXX XXXX XXXX. Arvest kept us on forbearance but took it over from XX/XX/XXXX through XX/XX/XXXX. XXXX did not apply my payment for XXXX payment. And I dont know what happened to the money that was in escrow but XXXX transferred our loan with - {$400.00} in our escrow account. So As of now, we are deferred from XXXX of XXXX to XX/XX/XXXX. Principle and interest. However, Arvest also included escrow, which I still havent investigated yet, into our deferment, but also put us on a 5 year loan in the amount of {$4000.00} to apparently pay back from the forbearance for escrow. Yes, even though they charged us in the deferment for those months. Ive been battling both of these lenders in terms of where the money went. Even though I have proof of payments not only from the lender themselves, but from my bank statements. Since those werent suffice, Im now having to get the actual transaction number from the bank to see where the money was actually wired. It also states in the bottom of XXXX statement coupon that any payments made will be put into a separate account. Another topic XXXX argued with me about when I was in the phone with one of their many reps in which she stared, XXXX does not do that. I argued that she is lying through her teeth. I also have receipt of payment for that transaction that was made on XX/XX/XXXX. That payment was made over the phone and approved instantly with a representative whom informed me it would be placed in a separate account at that time until we became current from the forbearance in which they would apply that amount towards the principle balance. During that time, one of the main reasons we filed for our Bankruptcy, was due to identity theft. We had various account changes. However we never received a refund, nor did we receive any money paid back from that account at all. Yet for some reason, we were sent to Arvest mortgage with a negative escrow balance. Even though Arvest was paid back for that negative escrow balance in the deferment we paid back when we had to refinance the loan back into our names. So essentially, we had paid double if not triple. XXXX did us extremely wrong, along with Arvest mortgage. They made unethical decisions, I feel, in hopes that we did fail and we had to give up on our home, unknowingly of the COVID laws that saved us from losing our home. The outcome is I feel is fair, in all this is to not only pay us back for payments that were made and not accounted for, but to charge them the interest to the day they cut the check to pay us back. And to pay back our deferment losses. We did not have to go through all of this. All of this has been a horrific experience. Our trust in the XXXX XXXX XXXX has greatly diminished. I can give you times and dates and receipts for everything Ive explained. XXXX even attached an additional XXXX on top of our loan when they sold the loan to themselves with out us knowing. I have documentation on that as well. Its taken me this long to complain because I needed to step away from this negativity. Get myself together, and revisit this issue in a better state of mind emotionally. The stress has taken a toll on us to no degree. And here it is from us to you.
01/23/2022	Yes	Checking or savings account Checking account	Managing an account Fee problem	AR 720XX	Web
I believe that Arvest Bank has wrongfully charged overdraft fees to my account on numerous occasions in violation of their stated policies. I also believe that Arvest Bank has actively taken steps to restrict my checking account in deliberate ways that prevent deposits from reaching my account funds in a reasonable time frame to prevent overdrafts, if at all, for their own financial benefit. I additionally believe that Arvest Bank has used, and is using, inconsistencies within their execution and enforcement action of after-hours processing times and cutoffs to maximize their own financial gain, at the expense of account holders. Moreover, I believe that Arvest Bank has deliberately placed holds on deposited funds to maximize financial gain, at the expense of account holders. Finally, I believe that Arvest Bank has deliberately re-arranged transactions in a manner thats caused maximum overdraft costs to be incurred to me and my family. 1. By my own account, Arvest Bank has charged my checking account {$2200.00} in overdraft fees since XX/XX/XXXX, many through the practices stated above. I have contacted Arvest Bank on numerous occasions in attempts to resolve these issues. On numerous occasions, they have refused to address them. 2. Theres been an apparent pattern of inconsistencies in the way Arvest Bank allows deposited funds to post to my checking account, as well as the manner in which Arvest enforces holds on account deposits. 3. Theres been an apparent pattern of inconsistencies in the manner that Arvest has executed after hours processing and cutoff times, as it pertains to overdraft fees. More specifically, it appears that Arvest has enforced cutoff times for account debits at a later time overall than the enforced cutoff times for account credits. That apparent practice has the obvious effect of unfairly maximizing overdraft fees by allowing debits to post to an existing or newly overdrawn account later on any given afternoon or evening, while disallowing and/or postponing the credit of deposits made at similar or even earlier times of the afternoon or evening, respectively, to the following day, or even days later, therefore reducing or eliminating the opportunity to prevent rising fees. 4. Theres been an apparent pattern of repositioning transaction orders in my Arvest account in a manner that induces additional overdraft fees. 5. On one occasion less than a month ago, Arvest agreed to refund {$34.00} dollars in overdraft fees, following a similar posting issue related to a deposit made to my account through XXXX XXXX. Conflicting with the spirit of that resolution, however, Arvest soon thereafter placed restrictions on my accounts use of XXXX XXXX transactions, which my family and I recently chose to utilize in attempt to minimize future overdraft fees, when necessary. 6. I believe the restriction placed on my accounts use of XXXX XXXX, immediately following Arvests agreement to refund {$34.00} dollars in overdraft fees on XXXX ( after illegitimately levying those charges on XXXX and XXXX ), speaks volumes to the overall intent to provoke additional overdraft fees and maximize the amount charged to my account, and ultimately my family. 7. Despite charging daily fees of {$34.00}, {$51.00}, and even {$68.00} dollars on numerous occasions, as well as the number of complaints and requests Ive made to address these root concerns, Arvest has not returned any other portion of the {$2200.00} in overdraft fees charged since XXXX of XXXX besides the {$34.00} dollars on XXXX. As many checking account holders understand, the nature of overdraft fees can be exponentially harmful once an account is initially overdrawn. And when practices and fees are inconsistently and/or unfairly applied, whether to overdraw an account initially or to escalate fees charged thenceforward, the damage to the customer is only exacerbated. I have attached an account summary outlining the exorbitant overdraft fees Arvest has charged to me since XX/XX/XXXX. Thank you for your attention into these matters.
12/22/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 11561	Web
I am the target of predatory lending, I should't have qualified for a loan based on my debt to income ratio. I was lured w/a subprime loan according to the Mortgage fraud billXX/XX/XXXX. My mortgage is dated XXXX/XXXX/XXXX & has terms exceeding the threshold defined in the bill. Also it 's a " Nontraditional '' loan w/interest only payments. XX/XX/XXXX I stopped payments and requested assistance. I submitted many applications to CMC & XXXX XXXX XXXX XXXX. Both requested documents then denied me because date on a document expired. I would update documents only to be told a different document expired. I was given the run around, subjected to the expired document scam and asked for the same documents over and over again. After 2 years of this we saw referee on XXXX/XXXX/XXXX, I explained these tactics and court attorney instructed me to submit XXXXmore package w/a cover page & table of contents which I did in a XXXX mod package DELIVERED TO XXXX XXXX XXXX XXXX/XXXX/XXXX. bank attorney was to inform me by XXXX/XXXX/XXXX if additional documents were needed. XXXX said only XXXX more pay stubs & 2 months bank statements were needed which I. XXXX XXXX in the Settlement Conference department of XXXX XXXX XXXX 's office said file was complete and looked good for modification. Court attorney told bank attorney to inform me in writing if mod was granted or denied by XXXX/XXXX/XXXX, which they did not do. court set adjournment to XXXX/XXXX/XXXX for further conference. At court on XXXX/XXXX/XXXX we had a different court attorney & the additional documentation scam continued bringing us to XXXX/XXXX/XXXX where they again requested more documentation and adjourned till XXXX/XXXX/XXXX when I was informed CMC needed new council because XXXX XXXX XXXX had gone out of business and was being investigated by the State Attorney General for Fraud. I should mention that I was never properly served for the foreclosure. I had to start all over. Then HurricaneXXXX, XXXX XXXX declared a disaster area, my home completely flooded. My family was displaced & unable to live in the home. I requested assistance again & even spoke with a director at the bank to no avail. CMC 's multiple delays put me in a position that i can not come out of. These delays added over {$200000.00} of interest, legal fees, late fees and other monies to the original principal of XXXX. I spent a lot of my own time and money restoring the home after the hurricane. Now I am stuck in a situation I ca n't get out of and my bargaining power is gone due to the amount of time that passed racking up interest and fees to a point of no return. This should have been resolved in XX/XX/XXXX with my first application negating the {$200000.00} in fees and interest. I filed a complaint w/you XXXX/XXXX/XXXX, but I never responded the CMC rebuttal because they offered me a Trial modification that I accepted with XXXX trial pmts of {$3400.00} on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. which I paid on time. Trial agreement also stateted Interest rate of 4.25 % w/term extension of 480 months, essentially adding 10 yrs to loan. I called and spoke w my single point of contact at XXXX went over the trial agreement. I was told that after trial, my payments would be the same on the modification. I also spoke with XXXX XXXX who also confirmed the trial terms. XXXX/XXXX/XXXX I received permanent modification agreement nothing like the trial. New Principal balance of {$570000.00}, Monthly payment of {$5000.00}, 6.5 % interest, Maturity on XXXX/XXXX/XXXX, and a hidden balloon payment for any unpaid balance at maturity. I called XXXX/XXXX/XXXX and asked to speak XXXX XXXX XXXX again hoping this bait and switch tactic was a mistake. He was supposed to call me back that day which he did not, he called me on XXXX/XXXX/XXXX, XXXX day past the deadline to accept the modification. XXXX XXXX said I only had XXXX optios foreclose or accept mod as is by end of the month since deadline passed. this seems unethical.
11/30/2016	Yes	Credit card	Customer service / Customer relations	AR 72703	Web
I, XXXX, ( XXXX ) have an active & in good standing, VISA card from Arvest Bank-Security Bankcard Center , Inc. ( SBC ) XXXX XXXX XXXX XXXX XXXX OK XXXX Office : ( XXXX ) XXXX Cell : ( XXXX ) XXXX. I received VISA XXXX XXXX, in order to rebuild my credit after years of XXXX & medical problems. On XXXX XXXX XXXX, a company named XXXX ( XXXX ) out of XXXX, XXXX placed a fraudulent charge on my VISA card of {$70.00}. I contacted XXXX, demanded my money back, they laughed. I immediately contacted SBC, spoke to Customer Service first. I reported XXXX illegal charge on VISA. I asked what this was going to do to my credit scores & they gave me phone numbers to all XXXX credit bureaus & suggest that once I had talked to the fraud department at SBC, to call the Bureaus & place an alert. Transferred to the fraud department. They took all my information & told me NOT to pay the {$70.00} on my upcoming VISA bill, until after they investigate XXXX & the charge on my account. About a week later, ALL of my FICO scores dropped due to the {$70.00} XXXX illegal charge I was told not to pay by SBC. This {$70.00} was not even due or late but SBC had issued out the monthly statement & reported my VISA activity to all XXXX credit bureaus. The {$70.00} caused my credit usage to increase THUS the loss of FICO pts. I was upset & decided to pay the illegal XXXX charge of {$70.00} to avoid another hit FICO scores. My wife, XXXX, & I were in the process of trying to buy a home because the rental double-wide we were living in was dangerous to our health as is the land it is on. Plus, the landlord had been pressuring us to buy this rental property or he would sell it to the neighbor. He offered to owner finance us but because of the condition of the property and structures, we worked hard to buy our own home. After 1 year of on time paying VISAs, SBC had approved the release of our XXXX {$1200.00} CDs & we were issued un-secured VISAs in XXXX XXXX. The money from CDs was back into our Savings account at Arvest Bank to be used toward down payment of new home. We found XXXX properties, all which would help us with our XXXX, & get us out of the unhealthy mobile home we were renting. Time was of the essence & the pressure of buying from the landlord was heavy. He said, " buy or be evicted ''. I contacted Legal Aid of Arkansas to help fight the forced sale by the landlord. They were " advice only ''. I spoke to another attorney & he explained that we had enough time if we could buy a home in 2-3 months. We were ready and about to get a pre-approval letter from XXXX at XXXX. Then disaster happens to my XXXX ( XXXX ) FICO score. While my XXXX ( XXXX ) & XXXX ( XXXX ) FICO scores were enough for a home loan XXXX said he could approve the loan but the N/A on ( XXXX ) had to be fixed first. What happened? Around late XXXX XXXX XXXX, my ( XXXX ) FICO score dropped from the mid XXXX to N/A. My VISA card & its complete 12 month plus history was gone from my ( XXXX ) Credit report. I called fraud dept. at SBC & was asked if I had called the credit bureaus as instructed. I did but was only able to get ahold of a person at ( XXXX ). The ( XXXX ) person took my complaint & put code XXXX on my ( XXXX ) report stating " Fraudulent charge made on account. '' After I complained that I could not get a human being but only machines at ( XXXX ) & XXXX, the ( XXXX ) person also told me that she would contact ( XXXX ) & ( XXXX ) for me. ( XXXX ) report had the same Consumer statement as ( XXXX ), " Fraudulent charge made on account ''. No loss of FICO scores and/or removal of VISA card & its total credit history at ( XXXX ) or ( XXXX ). BUT, at ( XXXX ), MY VISA card & its history was gone & code XXXX stating " account fraudulent opened '' which IS NOT TRUE & NEVER stated by me. This destroyed all chances of receiving a mortgage for a new home. PLEASE SEE ALL ATTACHED DOCUMENTS.
11/30/2016	Yes	Credit card	Credit line increase/decrease	AR 72703	Web
I, XXXX XXXX XXXX, have an active, in good standing, VISA card from Arvest Bank-Security Bankcard Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Office : ( XXXX ) XXXX Cell : ( XXXX ) XXXX. I received this card in XXXX of XXXX, some 16 months ago, in order to rebuild my credit after years of XXXX and medical problems. I had no problems with this VISA card and built my XXXX scores up quickly in just over a year. On XXXX XXXX of XXXX, a company named XXXX out of XXXX, XXXX placed a fraudulent charge on my VISA card of {$70.00}. I contacted XXXX and demanded my money back and they laughed. I immediately contacted Arvest Security Bankcard XXXX in XXXX, XXXX and spoke to Customer Service first. I told them the XXXX illegal charge on my VISA just one hour before and they said that they see it in the Pending file of my account. I asked what this was going to do to my credit scores and they gave me the phone numbers to all XXXX credit bureaus and suggest that once I had talked to the fraud department at Arvest-Security Bankcard XXXX, to call the Bureaus and place an alert. I was then transferred to the fraud department. They took down all my information and told me NOT to pay the {$70.00} on my upcoming monthly VISA bill, until after they investigate XXXX and the charge on my account. About a week later, ALL of my XXXX scores dropped due to the {$70.00} XXXX illegal charge I was told not to pay by Arvest-Security Bankcard XXXX XXXX. This {$70.00} was not even due or late but Arvest-Security Bankcard XXXX had issued out the monthly statement and reported my VISA activity to all XXXX credit bureaus. The {$70.00}, that I was told not to pay until after the investigation was concluded, caused my credit usage to increase up to about 18 % instead of the XXXX12 % credit of XXXX credit limit I have on the VISA. I was upset about this and decided to pay the illegal XXXX charge of {$70.00} to avoid another hit to my XXXX scores. My wife, XXXX XXXX XXXX, and I were in the process of trying to buy a home because the rental double-wide we were living in was dangerous to our health as is the land it is on. Plus, the landlord had been pressuring us to buy this rental property or he would sell it to the neighbor. He offered to owner finance us but because of the condition of the property and structures, we worked hard to buy our own home. Our credit with Arvest-Security Bankcard XXXX had improved at this point to where our VISA cards would not need to be secured by our XXXX {$1200.00} Certificates of Deposits and were issued un-secured VISAs in XXXX XXXX and our CDs were released and put back into our Savings account at Arvest Bank to be used toward down payment of our new home we were looking for. We found XXXX properties, all which would help us with our XXXX, and get us out of the unhealthy mobile home we were renting. Time was of the essence and the pressure of buying from the landlord was great. He said, " buy or be evicted ''. I contacted XXXX to help fight the forced sale by the landlord. They were " advice only ''. I spoke to another attorney and he explained that we had enough time if we could buy a home in XXXX3 months. We were ready and about to get a pre-approval letter from XXXX XXXX at XXXX 's XXXX. Then a major disaster happens to my Equifax XXXX score. While my XXXX and XXXX XXXX scores were good enough for a home loan, and my wife 's XXXX scores were even better. XXXX said he could approve the loan but there was a N/A on my XXXX score and that had to be fixed before he could approve the loan. What happened? Around late XXXX XXXX XXXX, my XXXX XXXX score dropped from the mid XXXX to N/A. My VISA card and its complete 12 month plus history was gone from my XXXX Credit report ... PLEASE SEE ALL ATTACHED DOCUMENTS
08/13/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	FL 33127	Web
To curtail my bank fees XXXX as I am in college ), I contacted Arvest Bank and requested that all overdraft protection be removed from my account in XX/XX/XXXX. They obliged and removed it. In XXXX, I tried logging into my Arvest account online and it denied me access. In XXXX I tried again and I was denied again. I began to get concerned as my student loans are set-up to be deposited in my Arvest account. I called Arvest and they told me that the account had been closed for a negative balance. I said how is that possible? Apparently in XXXX, a XXXX purchase I made on my phone deducted {$85.00} dollars from my account and they paid it and they charged me an overdraft fee. Nearly a month later, the same event happened again for {$7.00}. They charged another overdraft fee. Again a third time for a payment of {$2.00} and another overdraft fee. After so many days, they closed my account and reported it to collections. I was shocked and told them that I did not even have overdraft protection. The agent said yes, I see where we sent you a letter in XXXX saying we turned your overdraft protection back on. I never received this letter, nor did I consent to any overdraft protection. I specifically opted out of overdraft protection and Arvest decided to turn on my overdraft protection without consent. They never bothered to notify me by mail or by phone about the overdraft coverage change. Furthermore, they reported me to collections, which drastically dropped my credit score which affects my federal student loan interest rate XXXX I 'm on the Federal Grad XXXX Loan ) and automobile insurance. I explained the situation and said I felt I should only have to pay for the 3 charges and 1 fee. I asked if there was anyone I could talk to at Arvest about this and she said no. XXXX XXXX XXXX XXXX their hired collection company ) was extremely rude and said it did not matter if I had overdraft protection or not. They said the charges were automated/repeating payments, which they were not. Even if they had been, the terms and conditions of my account specifically lists XXXX reoccurring debits and ACH activity under the overdraft protection options. Thus, opting out of all overdraft protection should have opted me out of these charges. If it did not, it should say so in the terms and conditions. Arvest Overdraft Policy ( retrieved XX/XX/XXXX XXXX : Overdraft CoverageAll Personal Checking AccountsOverdraft Protection is available on most personal checking accounts after a minimum of 30 days from account opening, subject to approval. Generally accounts approved for overdraft protection have no more than 2 overdraft occurrences or have not been overdrawn 2 consecutive days in the first 30 days the account is open. You may elect whether or not to participate in overdraft protection. Overdraft protection is a discretionary service offered as a convenience ; we reserve the right not to pay an item. Customers that are approved for overdraft protection can select between basic or extended coverage. For basic coverage, overdrafts may be created by check, in person withdrawals, recurring debit charges or Automated Clearing House ( ACH ) activity. Extended coverage includes basic coverage plus ATM withdrawal or other electronic means such as everyday debit card purchases. Extended overdraft coverage requires you to opt in ; accounts will automatically default to basic overdraft coverage. You can change any election regarding your overdraft coverage at any time : you can decide to cancel coverage, change from basic to extended, or change from extended to basic. Let us know your choice by notifying us in person or on the phone. In order for your account to remain in good standing, within 35 days of creating an overdraftXXXX
06/15/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75126	Web
Our XX/XX/XXXX statement reflected an increase of {$210.00} without any advance notice nor reason. I called XXXX XXXX XXXX at XXXX on XX/XX/XXXX, to determine why and I spoke with a young lady who explained our taxes had gone up {$200.00} and insurance {$700.00}! I corrected her and informed her we had changed insurance companies from XXXX to XXXX which had, in fact, reduced our insurance significantly. She stated their analysis had been prior to the change and requested a new one. I inquired if the overcharge would be credited to my principal or what and was informed the overcharge would as is. This is, as you well know, illegal. When I stated as such, I was ignored. The results of the new analysis were still over {$1400.00} per month, an increase of {$170.00} which is entirely unacceptable and incorrect. I wrote them on their on-line email mid-XX/XX/XXXX and requested arbitration to resolve this matter, receiving a return email form letter stating the matter is being researched. I emailed again on XX/XX/XXXX, requesting arbitration for a second time and explaining the math since their accounting people can not seem to do it correctly. Even if our insurance had remained the same, the increase of taxes would increase our monthly payments only {$16.00} per month, NOT {$170.00}. After receiving a hard copy letter XX/XX/XXXX, I replied via email once again confirming receipt and once again explained the math behind figuring out the correct payment amount. In addition, since paying on-line only provides the choice to pay the amount they demand instead of any other option, I informed them future payments will be via USPS mail and by check. I sent in my XX/XX/XXXX payment with a cover letter explaining the correction in the amount they demand by explaining I used the possible increase of {$16.00} added to the previous year 's monthly amount and subtracted the over-charge from XXXX resulting in the amount of {$1000.00}. I also informed them, yet again, the decrease in our insurance was much more than the increase in taxes and our monthly payment should have decreased, not increased at all. I shortly thereafter received a letter via USPS dated XX/XX/XXXX, informing me they were in receipt of my funds, but they would not be applied, which, once again, is illegal since it is against the law to refuse legal tender in payment of a debt unless it is less than 40 % of the amount due. I also noted on my bank site, the funds had been cashed. So, they accepted the funds, but are refusing to apply them to my account. Having spoken with a Loan Officer of 17 years experience, I was informed of the illegality of their actions as well as made to understand the typical practice of " shady '' loan companies is to " Slow Walk '' the resolution to such an issue so they can attempt to add on late fees if the issue is not resolved by the normal " late date. '' After receipt of Arvest 's letter of XX/XX/XXXX, I responded via their on-line email once more on XX/XX/XXXX, and restated my issues, pointed out the illegality of their actions, requested arbitration for the third time, and informed them should they attempt to slow walk resolution, I would be taking legal action against them. I provided my attorney 's name and location as well as cc 'd him on the email letter. I received another email form letter response on XX/XX/XXXX, stating they are taking this matter seriously and researching it. I had contacted my insurance carrier to obtain exact amounts and received a response XX/XX/XXXX, stating the XXXX amount had been {$2100.00} and the amount with XXXX was {$1400.00}, a decrease of {$610.00}. Thus, our monthly payments should have decreased {$34.00} per month, not increased.
11/18/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	OK 73072	Web	Older American, Servicemember
EXHIBIT 1 to CFPB complaint of XXXX XXXX XXXX I live in XXXX and contacted a company via the internet that specialized in business organization formation ( e.g., limited liability companies ). The firm was " XXXX XXXX '' ( idem sonans ), hereafter " XXXX '' located in XXXX and, also, XXXX. I was contacted by telephone after this initial internet contact by a XXXX sales representative and discussed the formation of a limited liability company or proprietorship, including business formation, filing and governmental fees for filing same, etc. I expressley discussed the services to be provided and their costs. I agreed to same via the telephone and gave XXXX a credit card number to use to obtain payment for these services. In late XX/XX/XXXX, I received a claim on my next XXXX bill from XXXX which was what I had agreed to incur and for the amount we agreed upon. I paid these claim ( s ) in full and at the time of billing. On my next XXXX bill I received a second claim which was for a matter not made on XXXX 's first claim concerning the LLC formation, which was also correct and which I paid. However, the second ( XXXX ) claim contained a second claim to pay an entity known as " XXXX XXXX '', which was either a subsidiary or subcontractor of XXXX XXXX. and which had been " proposed '' by XXXX in the earlier contract discussions. In these discussions both I and the real party in interest, who I was representing, had been advised there could be an additional service described as a monthly " subscription '' service, but which service had been expressly rejected and was not given. When I recieved this " second '' Legacy charge for {$49.00}, I immediately complained to my bank which provided my XXXX card XXXX ARVEST Bank that this second XXXX XXXX charge of {$49.00} was beyond my service agreement and an abuse of my credit card. Yet the Bank continued to pay these claims, which XXXX continued to make even after I had advised ARVEST the subscription service XXXX allegedly provided had not been either requested nor provided and my credit card had been fraudulently obtained used to pay same. ARVEST suborned this fraud by continuing to pay these claims having received my dispute of these charges, employing its own fraud that I had not contacted them " timely '', which in fact I had done and had done all the Bank asked that I do in order to dispute these claims See, n. 1 below. In XXXX, XXXX, the Bank actually " reinstated '' one of the earlier charges it had previously credited back to me. Both the Bank and XXXX have impaired my credit with credit reporting agencies nationally, because I refused to pay for this last false and fraudulent claim, of which I had advised them was false and thereby severly impaired my credit, which was before its " reporting '' excellent. Accordingly, the Bank 's conduct, too, was fraudulent in that it repeatedly assisted that of XXXX in perpetrating this continuing fraud. All of which is respectfully submitted. 1 In its response to the detailed statement ( with exhibits ) that I forwarded to the XXXX XXXX XXXX XXXX the Bank states in effect I had not disputed the claims until XXXX, when as I stated in my sworn statement, I had contacted the bank on XX/XX/XXXX, which is probably a correct date. It omitted that shortly thereafter I again contacted the Bank and spoke to a " dispute resolution '' agent, who suggested I file a " formal '' complaint, which I did and was given a Bankcase complaint number of " XXXX XXXX ''. See, Exhibit No. XXXX of my statement, ( the banks own letter to me with this case number ). Accordingly, their claim the complaint ( s ) were untimely is false and misleading.
03/25/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 91344	Web
Letter Of Harassment by Central Mortgage Company From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To : AR Attorney General Office XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Loan # XXXX Date : XXXX XXXX, XXXX Dear Attorney General My mortgage Loan was sold and transfer to Central Mortgage Company, before this transfer I had to refinance with XXXX XXXX and as a condition of that refinance I had to wave the Escrow account on my New contract and take the responsibility of paying my property tax and insurance on my own, and since then I have been paying my monthly mortgage on time without any delay at all. Until XX/XX/XXXX when I called XXXX XXXX XXXX at central mortgage company bankruptcy department to get A pre authorization so I could make the monthly payment ( I had to do this process every month since I was on bankruptcy court from XX/XX/XXXX until XX/XX/XXXX ). Now you wonder why I was on bankruptcy court, I had to file for chapter XXXX to save my XXXX gas station business which I had purchased on XX/XX/XXXX from a seller who misleads me into this deal with wrong sales figures but the court did n't go with chapter XXXX instead it convert me into chapter XXXX over rolling my objection for this conversion knowing I did n't want to be on chapter XXXX at all. That when I was told by XXXX there is a standing unpaid balance on my escrow account, I replay back to her I do n't have an escrow account on my loan with your guys since your company purchased my Loan from my previse bank and as a legal condition of that transfer. Then she told me the escrow department had to pay a property tax for XX/XX/XXXX on my behalf than I asked her when? She never gave me the date. ( By the way all these communication were through e-mails not a phone call ). After the investigation of my situation with bankruptcy department people at central mortgage company ( because of my bankruptcy status, this department was the only one I can took to if I have any question regarding my Loan ). Turn out that one individual personal on escrow department went ahead and made a payment to XXXX XXXX tax collector office on my behalf without notify me neither before nor after the payment. Also what this person should know is that the payment which he or she made to XXXX XXXX tax collector office was already been made by me and my property was n't at any delinquent status nor the house was at risk of sales by the city for tax delinquent as the central mortgage company been calming and insisting as reason for security because all my property taxes are been paid. Also this payment was made in-violation of bankruptcy court since I was on bankruptcy status at the time when this payment was made. Also the person who made the payment should file a motion to bankruptcy court in order to approve or disapprove the payment on my behalf before they made the payment. If this was done than the bankruptcy court would had notify me, than I would have stop this mas this individual person had put me through. This action was the foundation base of harassment and nightmare center Mortgage Company started Putting me through because after this payment, the company went ahead open and attached an escrow account to my loan which caused my monthly payment to jump very higher more than what I can afford and also more than my fixed payment of {$1800.00} a month. Because of Financial difficulties I had to follow certain process on how to pay my property tax and insurance once at the end of the year. And I had highlighted this process into the e-mail I had sent to XXXX XXXX the lead person on bankruptcy department. Please see the co
02/21/2018	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	MA 021XX	Web
Good Morning-I am attaching email trail and letters to explain my situation. In a nutshell I was told I needed XXXX coverage for flood insurance, I actually have XXXX. I received a letter from Arvest mortgage stating my coverage was insufficient, the reason my coverage is what it is, because it is based on attached emails. I followed up in a phone conversation with Arvest stating I can not afford anymore flood can I lower my homeowners so they balance out. I was told yes so this is what I did. Ever since I did this I have received letters from Arvest. I did this refinance because I was trying to lower my mortgage payment and consolidate date. I signed the refinance due to the numbers given to me which now I find are not true numbers. If given the real numbers this may have deterred me from following through with this refinance. Arvest is passing the buck and I need answers and resolution which I have not received. Any help would be greatly appreciated. ** cant attached documents, so copy and paste email From : XXXX [ mailto : XXXX ] Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX Insurance Coverage XXXX Subject : Fwd : Your mortgage with Arvest - XXXX Information Security REMINDER : This is an EXTERNAL EMAIL. Stop and think before clicking a link or opening attachments. Good Morning- This email is also for XXXX who I believe is in the Insurance coverage dept and was told to email on Friday. Anyway, below is what I was told I needed for Insurance coverage on my house, which I have. >XX/XX/XXXXI receive a letter from Arvest stating your records show the flood insurance coverage on my property doesn't meet your minimum coverage requirments. >XXXX XXXX, XXXX I believe received a call from Arvest regarding the above issue and I said I cant afford anymore flood, I was told my home owners and flood had to agree so I said can i lower my other insurance so I don't need to up my flood I was told I could so I did. XXXX XXXX, XXXX YET another letter saying the deductible on my policy is missing or higher than required XXXX XXXX I call my Insurance company this letter meant nothing to them, so we had a conference call with XXXX at Arvest as well as my Insurance company and we got know where because no one at Arvest could give me a straight answer. At this point I was given the XXXX email and told to put to the attention of XXXX. Needless to say I am so XXXX off on receiving all these letters from Arvest when I did was I was told to do. I do NOT want a another phone call either, because what I am told on the phone is not true either. I want something in an EMAIL, stating where this went wrong and what is going on. Needless to say I have had it. Here are attachments that may be helpful to see why I have had it. I was with XXXX before and boy do I want to go back to them. This mortgage company is ridiculous. Attached also is my Insurance coverage. So look at that and the email below and tell me I did the wrong thing?? Regards XXXX XXXX another email On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX XXXX wrote : Good morning XXXX XXXX, I just got off the phone with XXXX XXXX Flood insurance regarding your flood coverage. You currently do not have enough flood insurance. To properly insure you, your coverage needs to be {$220000.00}. Can you please contact your agent and increase your coverage? They require your consent to do so. Please do not hesitate to contact me with any questions. Once I receive the updated flood insurance we are ready to set up your closing! Have a great day, XXXX
11/01/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	LA 700XX	Web
I have several issues with this mortgage company. 1. I received a {$15.00} bill for legal fees. For a supposed " proof of life '' request. When my loan was first bought out by Arvest Mortgage. I recieved a huge packet, and in the packet was a payment slip with no envelope. I tried to call and setup auto draft, but they said loan was too new and I had to wait. So I mailed in my payment ( with extra principle ). I always pay extra principle. The two months go by and I never recieve a bill. So I call them and they said it takes 3 months to issue payment books but I was supposed to send in payments on my own. So I pay everything in full over the phone. SIX months later I receive a bill for {$15.00} dollars because they " ordered proof of life '' because I was " delinquent '' by 1 month and they never even sent me a bill. After I called them to pay and paid in full plus next months mortgage and set up auto pay. I call them to work it out and all they said was the order was issued one day before you paid and there is nothing we can do. I said did you cancel the order when I paid? Because I know no one came out within a day. Nothing on the other end except you owe and you must pay nothing we or you can do about it. 2. I have not received the the same bill from this mortgage company in over 3 months. I called and talked to them about this several times and they keep telling me because my escrow changed. I went back and my taxes and insurances have not changed since I have been with them. But somehow they keep changing my bill every month. One month it will be {$1900.00} and next month it is {$2600.00} then another month it is {$2100.00} ... .. How is this even possible when nothing is changing on my end. I have called them about this and everyone I talked to said that it is fixed and it never is. Something is definitely going wrong here .... 3. Just wen through Hurricane Ida and called them to see what the procedures are for getting my insurance check endorsed by them. Have a feeling this is going to be worse dealing with this mortgage company than dealing with the hurricane! Lady on phone said have your contractor send us his information with his W9, and insurance and estimate and you send us your endorsed check and we will send you back a portion of your funds until milestones are complete. I told the lady I am contracting everything out myself and I have no W9 and they have a copy of my insurance. She said those are the rules and you must comply and send us your contractors W9. I tried to talk with her but it was useless. Again, I believe this will be a process of unnecessary pain and all I want to do is get my house back together as quick as possible. This is the worst mortgage company I have ever had to deal with. Most I have had I just pay my mortgage and never here from them and everything goes smooth. Bill only changes if insurance or taxes go up. This company is doing something not right because no one should get bills 6 months after a charge and have there mortgage payment constantly change. Now them trying to dictate what I do with my home is absolutely insane. I understand they want to see that the home is fixed and I am perfectly happy to let anyone see the work that is done. But them holding funds till I find a contractor with a W-9 and insurance to do everything is nutty. I want to fix my own house with my own contractors which is my right. Please let me know what is going on with this company as I have reached out to them more than one person should ever talk to a mortgage company.
12/02/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	HI 96753	Web
XX/XX/2016 Dear Sir/Madame : I 'm in bankruptcy. I applied for loan modification but turned it down because their offer will put me in a worse situation. I was offered the same interest rate I currently have 4.875 %, 40 years, unable to refinance or sell the home should I fall behind on payments, prepayment penalty, my arrears are added to the new mortgage XXXX My mortgage company is Central Mortgage Company XXXX Everything seemed good with them until XX/XX/2016. I was making my first trial payments for a loan modification. I was told by my chapter XXXX attorneys secretary XXXX to make my first XXXX trial payments by the XXXX for the first XXXX payments. I mailed a payment for XX/XX/2016 XXXX trial payment. Every call to XXXX is recorded. I called XXXX on XX/XX/2016 to check if my payment was received but the representative said NO, ( which later I found out thru my bank that they did receive it, so the rep lied to me which caused all the problems I 'm having now with XXXX XXXX. Worried about my trial payment being late, I wanted to make a phone payment but the rep tried to lie to me by saying that I could pay any day/date of the month. I did n't listen remembered what XXXX instructed me to do. I got into an argument with the rep because she lied based on simple questions I asked of her. So I made a payment via phone, instructed rep to apply the payment for XX/XX/XXXX payment ( later found out XXXX applied phone payment to XX/XX/XXXX 's payment instead without my consent ) which also means my original XX/XX/XXXX payment is missing! ) I was given a Confirmation #. Later I checked my bank account and found out XXXX received my payment before my call, deposited it on the XXXX of XX/XX/XXXX and because XXXX did n't stop the check deposit, I got charged for NSF fees by the bank and Late Charges with XXXX when I was n't late. Days later I received a mail from XXXX that my home is in foreclosure due to my payment being late! That 's proof to me that the rep lied telling me I could pay any day of the month. Up until now, XXXX has been making my life XXXX is harassing XXXX, committing illegal activities on my account, XXXX filed a XXXX to bankruptcy court stating I 'm behind by XXXX mortgage payments when I know I made the payments! I have copies of the check payments and proof of my phone payments. It seems they are intentionally making my payments late so they can foreclose on my home, not applying my payments to the principals, intentionally causing my payments to be late thus causing problems with my bank account like NSF fees, XXXX XXXX, which adds up, etc. which in turn is causing me shortage on my other bills. After checking my mortgage account history online, I discovered my payments were n't being applied to my principal, charged late fees when I was n't late, charged attorneys fees etc. I also read other consumer complaints about Central Mortgage Company and it seems I 'm not the only victim, others are claiming same treatment by XXXX. My bankruptcy attorney XXXX from XXXX and XXXX law agency referred me to your website. I 'm divorced, XXXX, takes care of my XXXX son and barely making it every month. My home is all I have to give to my children and grandchildren. I 've put blood, sweat and tears trying to keep my home. If they 're proven to be guilty, please help stop XXXX so they ca n't cause further suffering to other families..Please do all in your power to help me, my family and to the other victims.. Sincerely, XXXX XXXX
12/30/2021	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	CA 949XX	Web
I am opening another complaint as incorrect check with date submitted in previous document. Arvest Mortgage has shown a repeated pattern of not processing payments timely. My property management company sends out the mortgage payment every day on the first or second of the month with documented proof. Arvest 's own statement shows as recently as XXXX of XXXX, it took until the XXXX to process the payment. Mail does not take 11 days. In XXXX of this year, it took 10 days. Again, this shows Arvest has a history of either mail delivery issues or delayed processing. The proof I have that payment was mailed in time is the following : 1. Email confirmation from management company that check was sent out on the first. 2. A statement produced on XX/XX/XXXX from management company showing check was mailed on XXXX from their automated accounting system. This would have been before any late period. 3. The copy ( correct one this time ) of the check dated XXXX. So, for Arvest to be correct in their assessment, my management company would have had to produce a false statement from their automated system on XX/XX/XXXX saying they mailed the check when the didn't to cover up an issue. This of course would have been unnecessary because they could have just called and done a phone payment to have payment processed in time. Arvest has yet to produce any documentation other than when they PROCESSED the payment to suggest they did not receive the payment in time. Again, this is after years of on time payments from me and inconsistent processing times by Arvest. Further, in the latest response Arvest mentioned that they tried repeatedly to get a hold of me. This is blatantly false. I received no phone calls or emails from Arvest other than the ones they market to me constantly asking if I want to refinance which I would never do with Arvest since I didn't choose them to begin with and their extremely poor customer service would never want me to stick around with them. I would love to see any phone or email records from Arvest saying they tried to reach me. I would also love for them to stop sending my unsolicited refinance emails. Finally, I am including as evidence that I am not the only one Arvest continually abuses. These two screenshots are just a sample of frustrated customers whose mailed checks somehow disappeared or were processed incorrectly. So, to recap the proof I am clearly able to provide from a verifiable third party : * Management company has produced a dated check on XXXX. ( attached ) * Management company 's own automated report generated on XX/XX/XXXX shows check was sent on XXXX. ( attached ) * Management company 's written correspondence verifying the above. ( attached ) I want Arvest to produce ANY evidence that payment was late that was a direct result of me ( and XXXX XXXX XXXX XXXX XXXX ) not paying timely and not their own negligent operations because, again, the previous response from their own systems shows how long previous payments has taken to process. I have a system from USPS that sends me an email of mail I receive every day. Can Arvest produce something similar? If so, I will take issue up with my management company. If not, I am prepared to take any action necessary to see Arvest doesn't hurt another person with their bad internal processes.
09/22/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	MO 657XX	Web
I obtained a loan through Superior Finance in XXXX Missouri on a XXXX BMW X5 for {$6500.00} plus all of their fees that have been added to it ( I now owe nearly {$10000.00} after all of their added fees ). I have been fighting with them since I made my first payment. First they were reporting incorrect information to my credit. It took over 2 months of fighting for them to change it to state " auto loan '' rather than it looking like a huge payday loan. Also when I obtained this loan, I went with this company because I was promised reporting to all XXXX major credit agencies. That is not happening. They are reporting to XXXX. The local office made myself and my husband a lot of promises that were not fulfilled, the credit reporting being one, as well as the " warranty '' that was offered and I paid for was told to me to be " bumper to bumper '' and does not cover anything of what they said. They have PURPOSELY defrauded me and my husband. When I brought this to the attention of the regional manager for Superior Finance ( only after threatening lawsuit ) I was connected with the attorney that the company has on permanent retainer. I have tried numerous times, unsuccessfully, for them to abide by the verbal, as well as the written contact and they refuse. I have every e mail sent and received from their attorney as well as the regional manager and all I have sent to them demanding action. He, along with their regional manager, are now ignoring my demands for them to fulfill what I was told and promised when I obtained this loan. I am fulfilling my contract by paying them nearly {$350.00} a month and keeping full coverage on this vehicle, I need them to fulfill their end of this contract in regards to reporting ( which was the entire purpose of obtaining this loan, to build credit. I had a great car that I owned outright but wanted to build my credit to obtain a mortgage ) and doing what they are supposed to do as my lender. When I realized that they had been in violation of many things in the contract, and I had to threaten lawsuit to get their attention, I even offered to return the car ( in better condition than when was received ) and for both parties to walk away free and clear. They did not want to hold up their end of the contract and I do not want to pay an arm and a leg for a vehicle that is nothing what I was promised, they refused my offer. I have XXXX other individuals that this company has done the same/similar to and they are more than willing to join lawsuit if needed and I have no doubt I could find more. This is a very crooked, deceiving company and I am not willing to sit back and allow them to manipulate me and defraud myself and others. I was made promises by them and there is a signed contract .... none of that is being fulfilled by Superior Finance. At the VERY LEAST, I am wanting them to report to all XXXX credit agencies as was promised which I have been informed was part of a verbal contract between myself and Superior Finance Company. They need to be held accountable for what their employees promise, just as I am held accountable for my payments and other contract obligations. If they refuse to follow through with the terms of the written and verbal contract after this formal complaint, I will have no choice but to proceed with legal action.
01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 741XX	Web
I have recently filed an opt out notice with XXXX XXXX XXXXs to opt out of their reporting services due to illegally reporting my banking transaction history. I obtained a copy of my consumer disclosure file. The report consisted of my banking information, status history, transactions and inquirers for the past 36 months. I was never offered my formal opt notice from XXXX XXXX XXXX prior to them disclosing my non-public personal information to the inquirers. Per, 12 CFR 1016.4 Initial privacy notice to consumers required. ( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( XXXX ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( XXXX ) of this section; and ( XXXX ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third Party 12 CFR 1016.7 goes on to state the forms of opt out notices which I received no acceptable variation of. Furthermore, solely reporting my transition history is illegal as a federally protected consumer and should not be included in any consumer report. Per 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term consumer means an individual. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( XXXX ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. According to Arvest Privacy Policies they do not share any personal information with non-affiliate third parties. ( See attachments ) XXXX XXXX XXXX sent me a letter stating that they had permission from my bank Arvest to furnish my non-public private information. I did/do not consent to having my personal transaction history reported, as it is illegal to do so especially without my written consent. 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. Per the FCRA, as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 U.S. Code 6802 effective immediately and indefinitely.
05/29/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MD 21702	Web
On XX/XX/XXXX I submitted a Hardships Assistance package to Arvest Central Mortgage Company ( ACMC ) for consideration of a modification of a XXXX loan. I received a call on Thursday XX/XX/XXXX at XXXX from XXXX who advised me that my submission was denied. I was given a generic reason that based on the information that I submitted I was not eligible. I requested a more specific reason, but XXXX provided me the same response again and informed that there is no other reason. I asked to speak with the underwriter who made the decision and was placed on hold. Then the call subsequently disconnected. I called back that same day around XXXX and spoke to XXXX who advised that she would email the underwriter and her supervisor to call me. I received a call Friday XX/XX/XXXX at XXXX from XXXX, a team lead, who informed me that my information was submitted into a tool that issues a value of either 1 or 2. I received a 2 and that means denied. XXXX informed me that beyond that, there is no other information that can provide further detail to explain why I was denied. I asked to speak with the underwriter and, after being placed on hold several times, XXXX advised that the processor, who she explained is the same person as the underwriter, is unable to provide me any additional information about my denial. It's a disservice to customers to not provide a clear reason for denial. XXXX offers an appeal option, but without knowing the reason behind a denial a customer would not know what is appeal worthy. There should be more transparency to better service the customers. I asked XXXX for various values used in my review. She informed me of my income which used a weekly calculation based on the average of 2 paystubs. My hardship is due to fluctuating income. Using a weekly calculation substantially overinflated my income as it didn't account for low periods. I asked for the rationale behind the calculation and why a year to date calculation wasn't used, but XXXX could not provide an answer. I submitted an appeal on Monday XX/XX/XXXX to dispute the income calculation used by the processor/underwriter. I explained that a year to date calculation would account for the fluctuations in my income and provide a more accurate value of my monthly income. I'm submitting this because I believe that XXXX needs to provide a better service to their customers requesting hardship assistance. Also, their credit policy for income calculation should be scrutinized and reviewed as they may be using incorrect methods to calculate income with no rationale which could subsequently result in denying eligible borrowers of retention options. Additionally, I would like further detail on the reasoning behind my initial submission for assistance along with a rationale behind using a weekly calculation for my monthly income. If possible, please include XXXX XXXX ( XXXX ) as party in this CFPB submission. XXXX is the investor of my loan and I would like them to be aware of how their loans are being serviced.
03/01/2023	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	MO 64801	Web
I have had a trust account with Arvest bank in XXXX, MO. since XXXX, solely in my name and I am sole trustee of the trust. In XX/XX/XXXX I mistakenly signed a Durable Power of Attorney naming my grandson as my DPOA when I thought it was only Medical POA. My grandson and his mother immediately put me in a XXXX XXXX and tried to sell my house and auction my belongings, he denied any of my family visiting me and frequently yells and curses at me that I am incompetent. He was reported for XXXX XXXX by my extended family, I hired an attorney, and I was moved back into my home by my extended family XXXX XXXX XXXX While I was in the XXXX XXXX my grandson went into Arvest branch XXXX on XXXX XXXX on XX/XX/XXXX requesting through XXXX XXXX XXXX to take over my account showing them the DPOA form. He was declined by XXXX XXXX. Then on XX/XX/XXXX, an Arvest employee named XXXX XXXX ( who is friends with my grandson ) signed over both of my accounts to him. And listed him as trustee of my trust. I am still sole trustee of my trust, and DPOA does not amend a trust. Since then, my grandson has not consulted with me at all or allowed me any access to my money. My attorney informed Arvest manager XXXX XXXX that I have not been deemed incompetent and no event has happened to trigger a DPOA taking over my finances. And even if it had I can not be removed from my account and cut off. XXXX XXXX responded that we would have to take them to court and subpoena them. My attorney issued a subpoena XX/XX/XXXX, requesting all documents that showed how and why my accounts were given away. We received the documents XX/XX/XXXX and all Arvest provided was the documents mentioned above - the DPOA being declined and then removing me from my accounts totaling over {$100000.00}. I have revoked my grandson as my DPOA and it was also sent to XXXX XXXX. It was ignored. My grandson only speaks to me to yell at me and tell me I am crazy and he is in charge and there is nothing I can do to change it. I also have an account at XXXX XXXX, that I still solely manage and have full access to. My grandson also tried to take over these accounts in XX/XX/XXXX but was also denied. XXXX XXXX has been linked to my Arvest accounts for years to transfer funds back and forth. I authorized my advisors to pull {$80000.00} out of Arvest and into my XXXX XXXX account XXXX XXXX XXXX On XX/XX/XXXX my grandson called XXXX XXXX demanding his money be returned to him because Arvest is his account only in his name. He was told he is not their client and they can not share account information with him. He then called me to cuss me out and yell at me again and to get me to return the money to Arvest. When I wouldnt he called my advisor back and yelled at her that he was filing a dispute with Arvest to have his money returned, and that he is going to get guardianship over me so my XXXX XXXX accounts would be his too. My advisor consulted with XXXX XXXX management and they said to report this and file a police report.
02/08/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33157	Web
CFPB Once again Arvest Bank, Arvest Mortgage, Central Mortgage and their LIES on how much they received from Insurance Claim checks of {$41000.00} on XXXX/XXXX/XXXX, a claim check of {$35000.00} on XXXX/XXXX/XXXX, and a claim check of {$10000.00} on XXXX/XXXX/XXXX. There is an additional Claim check for the amount of {$2000.00} with date XXXX/XXXX/XXXX that you received from XXXX XXXX XXXX XXXX that you have not reported {$2000.00} with a total of {$89000.00} not {$87000.00} ( That will be consider Insurance FRAUD ). They say Attorney XXXX XXXX has a check of {$58000.00} that is not true as well. How once again Arvest Bank is playing with the Government and the money from XXXX XXXX XXXX XXXX. Now they are being greedy and keeping the extra {$2000.00} or the whereabouts of proceeds putting it into their pockets. ( How convenient ) but now at least they reported the lie in case number XXXX I will like for you to please contact XXXX XXXX to confirm my allegations at XXXX XXXX, XXXX \|Senior Claim Representative \| XXXX \| XXXX Fax \| XXXXXXXXXXXX \|. For I do not know how they got the monies situation Arvest Bank has 3 copies of three different General contractors as well as 2 cleaning crew companies witch was referred by XXXX XXXX in her email dated XXXX/XXXX/XXXX please see attached as they requested from me for the amount as follows XXXX CEN CONSTRUCTION and another for {$120000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX signed and Notarized by me with XXXX for the amount of {$130000.00} and he said that he will match the numbers of XXXX. Arvest Bank never made payments to XXXX as stipulated in his contract another violation of contract. The Insurance company started with a low number of the amount shown above dated XXXX/XXXX/XXXX for amount {$41000.00} after going back and fourth and having their Contractors lfor 6 months then they issue a second check for {$2000.00} XXXX/XXXX/XXXX an a third XXXX/XXXX/XXXX for {$35000.00} and fourth claim check for {$10000.00} on XXXX/XXXX/XXXX. Now he has put a lien on my house for {$120000.00} he has been paid {$19000.00} plus {$10000.00} leaves and amount of {$91000.00} minus the missing check of {$58000.00} + {$2000.00}. I do n't care how they get to an agreement all I want is to be able to do a loan Modification I wo n't be able to do so until this Lien issue is resolved. This hole ordeal is making my health to deteriorate getting XXXX not being able to sleep or eat or function. How much can a person take XXXX Get sued by Arvest Mortgage XXXX My father gets diagnosed with XXXX XXXX XXXX I loose XXXX XXXX XXXX father passes away XXXX XXXX House burns down XXXX Negotiating back and fourth with Insurance trying to match General Contractors numbers for 6 months XXXX XXXX attorney gives my rights away in a NON-Jury that I was not aware XXXX XXXX Arvest Bank, Arvest Mortgage, XXXX, XXXX XXXX break in to my Homestead and steal what little I had left XXXX XXXX a LIEN on my home not being able to modify with XXXX
04/26/2022	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	OH 43110	Web
My name is XXXX XXXX I am trustee to XXXX XXXX XXXX which was created by Attorney XXXX XXXX XX/XX/XXXX. XXXX instructed the bank to print out all the updated beneficiary forms and have them ready for XXXX signature so that they would line up with her wishes in her trust ( See XXXX XXXX email to bank Exhibit A ). XXXX XXXX ( XXXX XXXX XXXX ) printed out all the beneficiary cards to have signed. Little to anyones knowledge at the time he forgot to print out the XXXX XXXX policy and it was not included in the paperwork that her attorney picked up. Gross negligence from the bank was demonstrated even further when XXXX XXXX received the documents and never caught his mistake on 2 of XXXX policies. 1. XXXX XXXX XXXX XXXX was never received in their system. 2. XXXX XXXX XXXX policy did not pay out due to a missing check mark on primary or contingent. I visited the bank in XXXX of last year and sat down with XXXX XXXX assistant and asked her to make sure all the proper forms were in XXXX filed. She assured me verbally they were. Once again the bank was given a opportunity to double check their work and they failed to do so. I then hired a attorney in XX/XX/XXXX to help me and they reached out to the bank to ask if all the updated beneficiary forms were on file. They responded to my attorney and assured us everything was in good working order. Once again the bank was given a opportunity to double check their work which they failed to do so. ( Exhibit B ) On XXXX XXXX I received a call from ARVEST bank from XXXX XXXX XXXX ) assistant crying on the phone saying she made a mistake and never sent in the updated beneficiary form to XXXX XXXX. I immediately called XXXX XXXX and gave them all the emails between the bank and myself showing them that XXXX wishes were to update her forms and the bank stated that they were sent into XXXX XXXX. I am including the final decision from XXXX XXXX saying they will not pay the Trust ( Exhibit C ) Luckily the XXXX house policy all the forms were correct and they did pay the trust. The final XXXX XXXX XXXX has stated that the beneficiary form was not filled out correctly because a check mark is missing from the form and although hey believe the trust is the rightful beneficiary they want the trust to negotiate with the sisters. This is once again huge negligence on the bank. I would also like to add that XXXX worked under XXXX and processed XXXX paperwork and was only at her job one month and XXXX was the first person she ever handled these types of affairs. I am also including the following documents for your review. Exhibit D- XXXX XXXX XXXX Letter of no pay to the trust. Exhibit E- XXXX XXXX XXXX Signed beneficiary by XXXX XXXX XX/XX/XXXX Exhibit XXXX XXXX Exhibit G- Time line of events The bank in question is Arvest Bank XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX Personnel I have tried to deal with to resolve this issue- XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX
10/24/2018	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	AR 721XX	Web
On XX/XX/2018 a purchase was made on XXXX using my debit card for {$350.00} dollars. I did not make this purchase, so immediately I go to my local bank and cancel my card. Then, I message the seller on XXXX telling them I did not make this purchase, I have cancelled my card, and please do not ship this product out. To my dismay there are several bogus messages to the seller prior to the purchase. Yet I never got a response back from the seller. When I went to my local Arvest Bank they assured me these kind of scam happen often, to file a dispute and in a few weeks I would get my money back. A few weeks after the " purchase '', I got a large envelope from the seller with nothing in it. I report this to my bank. Within this time frame they refund me the {$350.00} dollars. Thinking this situation was all over I throw the package away. Later, I get a statement in the mail saying my dispute was denied and the money would be taken back out of my account. I currently did not have an entire {$350.00} dollars in my account, as I am a XXXX XXXX XXXX XXXX XXXX with XXXX children. This certainly put me in a lot of financial distress, because my monthly budget is very limited and when they took this money out my account went into a negative balance. I contact Arvest Bank again and file another dispute. As well as contacting XXXX, and XXXX, who flag the transaction as suspicious activity. However, they inform me that it is my institutions responsibility to contact the seller, and solve the issue. After three disputes being denied with the reason being " customer had possession of card '', I have become completely frustrated. Today, on the rare chance that I had a day off from school I decided to tackle the problem and hopefully get it officially resolved so I can start using my bank account again. The Arvest representative tells me my account was closed yesterday, due to insufficient funds! These insufficient funds are due to this money being taken back out! I ask to speak to manager and the manager advises me that once an account is closed there is nothing they can do about it. Mind you I have given Arvest bank all my emails to the seller, from XXXX stating there is suspicious activity, and been in communication with them about the situation since the fraudulent transaction. Since the account was closed yesterday, they now tell me there is nothing they can do. Never have I filed any bank disputes, why is this process of disputing fraudulent charges so stressful? I thought the purpose of your bank is to protect your money? Arvest bank has failed at this and been incredibly unhelpful, and do not seem to care about finding a solution to this problem. How is it I am expected to pay them {$350.00} I did not spend, after trying to prove to them over and over that this was fraud? Would you pay back {$350.00} dollars you did not spend? I am highly disappointed with the way this bank conducts business.
09/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CO 811XX	Web
Timeline : * On approximately XX/XX/2020, I received a letter from Arvest Central Mortgage ( " Arvest '' ) dated XX/XX/2020 informing me that the servicing of my mortgage had been transferred from XXXX to Arvest effective XX/XX/2020. The letter stated that my unpaid principle balance was for {$12000.00}. ( copy enclosed ) * I promptly sent a check for the amount of {$12000.00} to the address indicated for payments. * Check was returned * A statement, dated XX/XX/2020 was sent to me with the final payoff figures totaling {$12000.00}. I, again, promptly sent in another check with the amount indicated to pay off the loan. ( copy enclosed XXXX In a letter dated XX/XX/2020 I received a letter congratulating me on paying off my letter in full with a payoff date of XX/XX/2020. ( copy enclosed ) * On XX/XX/2020, my credit card company informed me that my credit score had suffered due to a " delinquent status '' as reported by Arvest coincidentally on the same date as my payoff date or XX/XX/2020. My credit rating dropped from XXXX down XXXX points to XXXX. I promptly called Arvest the same date and talked with several representatives ( the one I started with was " XXXX '' ). I was informed that Arvest did not report to the credit bureaus and, in fact, were prohibited by law under the Real Estate Settlement Procedures Act " RESPA '' - the first I had heard of this Act. I was able to convince them that they did indeed do the reporting and was told the only way to " fix '' the mistake was to file a dispute. I promptly did and also filed a dispute with all credit bureaus, The initial delinquent status was removed but my credit rating did not recover to XXXX. On XX/XX/2020, Arvest again reported me as delinquent ... ... I immediately called Arvest and they were as XXXX as me ... perhaps more XXXX than founded ... ..I was told that they would immediately start working on it and that I would not have to file a dispute as they recognized that they had a reporting issue .... Today is XX/XX/2020 - I just completed yet another call with Arvest and spoke with " XXXX XXXX who informed me yet again that there was no way they had reported it.. After encouraging her to read my file she put me on hold for several minutes and then informed that the person who was working on it " was away from his desk ''. To summarize - Arvest is continuing to report me as delinquent on every scheduled payment even though 1 ) the loan was completely paid off on XX/XX/2020 as even they acknowledge by letter, 2 ) I STILL have not received my lien release ( they informed me it as in process ), 3 ) My credit rating has suffered severely dropping from the highest percentile to " average '' through no fault of mine, and 4 ) They are PROHIBITED BY LAW to report anything to credit bureaus within the first 60 days of transfer. I NEED HELP AS THEY ARE TO INCOMPETENT TO FIX THEIR OWN MISTAKES.
12/13/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	AR 727XX	Web
XX/XX/XXXX I tried to order a XXXX deal for {$540.00}. The charge was denied by Arvest. I called Arvest immediately, told we show no holds on your account the charge should be approved. This was a Black Friday deal, so we waited an hour for the charge to be approved. It was not approved. Phone call received from Arvest fraud department on Saturday regarding charge attempts. The system showed Arvest declined 6 attempts to charge my card. I told the fraud investigator with Arvest this was not fraud, but we already purchased a different XXXX so please do not allow the charge to go through. Arvest no worries it should not go through. Monday XX/XX/XXXX pending charge for {$540.00} shows on my account. Immediately message XXXX this will fall off and will not go through. Called Arvest call XXXX, but its a pending charge and should not go through. Tuesday XX/XX/XXXX charge cleared my bank and now is a transaction. Contacted XXXX told that transaction was cancelled. We do not see that you were charged. Sent screenshots of my card being charged for a service or item not supplied. We will have to send this to our supervisor. Called Arvest told call XXXX. At this time this is my first request from Arvest to dispute the charge. XX/XX/XXXX roughly XXXX. Wednesday XX/XX/XXXX reached back out to both XXXX and Arvest, continue to get the same responses. Request a dispute for the charge, okay we will email you. No email ever came. Arvest - call XXXX. XXXX - we dont see the charge this was cancelled Ill send to supervisor you will receive email. No email ever came. Since this time I have tried to get someone with both XXXX and Arvest to look into this without any luck. Multiple requests. Yesterday I went to Arvest. I was told my request on XX/XX/XXXX was finally put for an official dispute despite my first request being XX/XX/XXXX. We are now 14 days from my initial request. At this time I requested a provisional credit. I was told we will not look into this dispute until XX/XX/XXXX. This does not meet the requirements for an escalation. Per law - Under Regulation E, if a consumer files a written notice of error and the bank requires more than ten business days to determine whether an error occurred, the bank can take a longer time, provided it provisionally credits the amount in dispute to the consumer 's account. I want Arvest to change their policy regarding provisional credits as it goes against reg E and I want a refund from XXXX asap. We have had similar problems with fraudulent online charges with Arvest and they do not provide provisional credits despite the laws. This is not our first issue with Arvest regarding provisional credits ; they simply do not do them. I was charged for a service by XXXX not rendered. I am not being provided a provisional credit per law by Arvest. These are my two issues. Thank you.
01/19/2018	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Wrong amount charged or received	OK 748XX	Web
On XX/XX/XXXX at XXXX XXXX, we went in to open a new checking account. We had {$2700.00} cash to deposit into the new account. The woman opening our account asked us how much money we had, we told her a little over {$2700.00}. She took the money from her desk back to the teller station to deposit it. She did not count in front of us before she took it. She came back with a deposit slip of {$1300.00}. We told her that was wrong and her reply was " Well the machine is n't wrong. You can call back in the morning to see if the drawer was off. '' By this time it was XXXX XXXX and they were closing the lobby. We left to make sure no money was left at home. XX/XX/XXXX, we went back to the bank when the lobby opened and asked to speak with the branch manager. The branch manager had n't made it in yet so we talked with the assistant branch manager. We told her the situation and she advised us to file a dispute. She pulled the screenshot of the deposit that was made on the bill counter and we immediately told her it was wrong because there was no {$50.00} bill counted and we know for fact there was one {$50.00} bill on the bottom of the stack of money. While she was filing the dispute, the computer had messed up to where she could n't answer all of the questions. She told us she had to add them in the comments. She said we should hear something soon on the dispute. XX/XX/XXXX, we went back to the bank to check on the dispute to learn from another bank employee that the dispute was never finished. She tried to complete the questions but was n't able to due to not being the one to file it. She called the branch manager and was told the branch manager had to do it and would finish it that afternoon. We were then told that the dispute would take ten business days and we would be notified by mail. XX/XX/XXXX, I called and talked with the branch manager to verify that the questions were answered and the dispute was filed and she assured me it was taken care of the day before. XX/XX/XXXX, I called to talk with the assistant branch manager to check on the dispute. she was on the phone. I left a message to return my call and never got a call back. XX/XX/XXXX, I called customer service to check the status on the dispute the person I talked to could not find it on our account. She then called the local branch employee who filed it to figure out what was going on. She then told me that employee would give me a call tomorrow due to the dispute office being closed for the day. Never got a call back. XX/XX/XXXX, I called customer service to check the status of the dispute and possibly talk to someone higher up since the branch manager had failed to return calls. Customer service found the dispute and attached another file to it and told me they would review it again. I also filed a complaint.
11/03/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH 43065	Web
On XX/XX/2021, Arvest Central Mortgage withdrew our mortgage payment in an amount that exceeded my normal payment by nearly {$1400.00}. I contacted them and the first response I received was " your county must have raised your taxes, resulting in an increase in your escrow. '' Knowing there was no way my taxes increased by that amount, I checked the XXXX County, Ohio website to see what taxes were paid on our 6 parcels and requested a copy of the recent escrow analysis. It turns out that Arvest was paying on parcels that we did not own, paying incorrectly on the parcels we do own, and calculating our current and estimated future escrow account incorrectly. I contacted them again and they requested that I send them screen shots of the parcels we own, which I did. I am not sure why I had to be the one to tell them what parcels I own. I requested an accounting of where our escrow money was going, which I never received. Arvest stated that they contacted the county auditor to receive a refund of {$4200.00} for payment on a parcel of land of which we do not own. This was back in XX/XX/2021. It is now XX/XX/2021 and such refund has yet to show up on my account. Arvest stated they did have the parcel numbers incorrect. I then started receiving delinquent tax bills on 2 of our parcels. I reached out to Arvest again in XXXX and they stated they would pay it. I received another delinquent tax notice in late XXXX XXXX and reached out yet again requesting they pay the {$13.00} that was delinquent on 2 parcels. It appears they finally did. I also requested an updated escrow analysis that includes the correct parcels and taxes owed/estimated in the future in XX/XX/2021 and again in XX/XX/2021 and have never received it. In the meantime, I am still paying hundreds of dollars more a month because my account has yet to be adjusted for the overpayment of taxes and recalculation of future taxes. I have reached out to them via messaging and telephone calls multiple times asking they get this sorted and send me an accounting of just how they are using my money. This is mishandling of my funds and they continue to withdraw more money than they should each month. I can not get a straight answer from Arvest Central Mortgage and am extremely frustrated with this mishandling. I was on XXXX XXXX this summer and was not getting paid, so it was even more frustrating that they were charging way more than they should and mishandling the payments I was making. It has been months since I requested this be taken care of and it has yet to come to resolution. I was told it could take 90 days for the refund from the county. It has been over 90 days and they did not adjust my account in the meantime. This was Arvest 's fault, yet I am still paying the price of their misuse/mishandling of my funds.
02/25/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 27703	Web
I bought a house in XX/XX/XXXX. Before I made the 1st payment the mortgage was sold to XX/XX/XXXX. Almost immediately the trouble began. First I was sent coupons for the mortgage payment. A week or so later I was sent new coupons with a lower payment because Arvest stated that I did not need to pay PMI on this loan. In XX/XX/XXXX I received my escrow statement that said I was over {$1800.00} short for the next year in my escrow account. Somehow after only making 3 payments, " I '' was short this money. A contacted Arvest and they quickly figured out that the mistake was on their end. They told me not to worry about it and they would fix it. They also realized their mistake with the PMI as my loan was still expecting PMI to be paid. I was " told '' the additional monies I had paid to reduce my principal were applied properly, but no paperwork was ever provided. Fast Forward to XX/XX/XXXX and I received another letter stating that I was now over {$1900.00} short for the next year. I contacted the company again and they still didn't have a clue about what happened. With " My '' help they figured out that " THEY '' had paid my property taxes in XX/XX/XXXX when they were " NOT '' supposed to have sent in that payment. The Mortgage Broker was supposed to make that payment since the money was included in my closing costs. I also have to wonder how Arvest can take an escrow account negative {$1800.00} and not feel the need to contact the owner of the account. The mortgage broker contacted me immediately when Arvest tried to contact them. It was determined that the check they sent me was never cashed as it was never received by me. They sent me the money a week later. After that I have only heard from Arvest once and I honestly don't think they even know what is going on. Now, after more than a month of talking to Arvest, no one will return my calls or answer emails and of course they decided to send me a late charge for not paying a new monthly payment. The new payment is the result of the shortage, but since I was actively working with them to find the problem and no one on their end had ever called about a resolution, I did not realize there was a new payment to make. They sent me the new payment coupons around XX/XX/XXXXThe first payment of course was dueXX/XX/XXXX. I'm not sure how I was supposed to make that payment when the coupon arrives nearly 3 weeks after the payment was due. So now they want a {$30.00} late fee. Keep in mind I have not missed a payment this entire time. At this point I decided to send them the money owed from the XX/XX/XXXX escrow account since no one will explain why the value increased even though my taxes and home owners insurance costs did not change.
12/02/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 303XX	Web
My mortgage servicer, Arvest Central Mortgage, claims in its most recent statement that I owe {$4400.00} in " XXXX XXXX XXXXt - XXXX XXXX '' taxes. After speaking with multiple people at Arvest without a resolution, I am filing this complaint. I contest that I do not owe these taxes, or a small fraction of them if anything. After speaking with the first Arvest Central Mortgage representative, I called the XXXX XXXX Tax Commissioner who said that I did not owe any XXXX taxes in XXXX, and that there were no XXXX tax bills for XXXX ( Arvest claims that the estimated {$4400.00} bill is for XXXX ). Looking at all the available XXXX tax bills for the other units in my condo building, only two appear : parcel numbers XXXX and XXXX. Both owners of these parcels are XXXX XXXX XXXX XXXX XXXX XXXX. NEITHER is me. When you total both XXXX XXXX tax bills for these two parcels, which again NEITHER ARE MINE, the total is {$4300.00}. Approximately what Arvest is claiming I owe in XXXX taxes, when I am NOT the owner of these parcels. Since my unit is a single condo unit ( # XXXX XXXX in a large complex with both condo owners and renters from XXXX XXXX XXXX XXXX XXXX XXXX, I suspect Arvest has negligently applied the taxes that XXXX XXXX XXXX XXXX XXXX XXXX owes for the master parcel to me. This is grossly negligent, illegal, and predatory. As further proof that I owe going forward no, or perhaps very little in taxes, I have attached a photo from my closing documents showing that the prorated XXXX fees from XX/XX/XXXX until XX/XX/XXXX were XXXX. I believe under the XXXX agreement XXXX XXXX XXXX XXXX XXXX XXXX is paying all such taxes, but if not, I clearly do not owe {$4400.00}. To assume so, as again Arvest has negligently done, my XXXX taxes would have gone up XXXX IN XXXX YEAR. Frankly this error should have never occurred as I own neither parcel number that the XXXX taxes were attributed to. Also since I received no XXXX tax bill for XXXX why would Arvest have assumed my tax bill would be {$4300.00} in XXXX? It is also worth noting that this tax was " discovered '' by Arvest after I filed a complaint with the CFPB a few days prior in late XXXX. I was correct in that complaint that Arvest illegally and wrongly charged me and many other individuals an erroneous " fax fee ''. I believe Arvest 's repeated pattern in a matter of 10 days of consistent and egregious errors in regards to my account should cause the CFPB to closely investigate Arvest 's practices. It also unfortunately makes me wonder whether or not Arvest illegally tried to take revenge on me by filing the previous complaint by wrongly claiming that I owe the {$4300.00} in XXXX taxes.
02/21/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	AR 72758	Web
I was working in XXXX Florida from XX/XX/2023. I traveled from XXXX Airport, through XXXX XXXX Airport , and then to XXXX on XX/XX/2023. On XX/XX/2023, I received a text notification from XXXX XXXX that a charge was made to XXXX XXXX XXXX XXXX XXXX Florida for {$2700.00} and another one for {$300.00}. I got on the XXXX app on my phone and saw the fraudulent charges, which I disputed both at that time and requested the credit card locked and to have a new one sent to my home address. I let them know it was not myself or anyone else in my family and that my credit card was in my possession so somehow the scammer had my credit card number. I then, from the XXXX App, reset my password and was sent a message through the app that the new password had met their requirements. However, I noticed they misspelled the word and by putting " requirments '', leaving out the " e ''. I contacted XXXX XXXX XXXX XXXX on the phone number on the App, and when the person answered, with very broken English and a lot of noise in the background, and requested my SS #, I hung up. I then looked at the back of my credit card and called that number for the Fraud department. The text I had received earlier about the 2 charges was indeed XXXX, however, the scammer somehow got into the App, and I did report this to XXXX. Also, the following day I received another text, from the exact same number from XXXX that another {$5000.00} had been charged, but when I called XXXX, they stated that wasn't true, but the scammer had gotten their text number. Then on XX/XX/XXXX, I noticed 2 charges on our Health Savings account card for {$610.00} and another for {$120.00}. We notified that company, and they opened a fraud report. Then on XX/XX/2023, I noticed 8 drafts on my checking account that totaled, {$3100.00}. I contacted my bank right away and they canceled my debit card and issued a new one. I went to my bank the next day and disputed each charge. The drafts were to the following on my checking account at Arvest Bank, XXXX XXXX XXXX XXXX {$50.00}, XXXX XXXX {$7.00} and {$14.00} XXXX XXXX {$240.00} XXXX XXXX XXXXXXXX {$44.00}, {$1000.00}, and {$1700.00} XXXX XXXX XXXX {$36.00} With all the fraudulent charges, I was in possession of my credit card, HSA Medical savings card, and my bank card, so I am not sure how they got into these accounts. I was staying and working with a new hotel, and I think someone could have gone into my room and taken pictures of the cards in my purse that was left in the room during my work hours but hidden. I did notify the hotel and they stated they would have the locks read, however, they have not received a response from their lock company.
12/01/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92504	Web
Due to unfortunate events in the begining of the year XXXX, losing my job as a chef because of XXXX, multiple family XXXX from XXXX, our beloved dog XXXX, we filed for Bankruptcy. Not to mention identity theft and being robbed in our home. Not a great year. So heres how things went down with our lenders Since we were under COVID forbearance before we filed which according to XXXX was XX/XX/XXXX, somewhere my payments for XXXX and XXXX didnt get recorded correctly, although still in forbearance, we filed XXXX XX/XX/XXXX, XXXX kept informing us they sent the reaffirmation paperwork to our lawyer but we never received them, finally we were told by XXXX they sold our loan to Arvest XXXX XXXX of XXXX, the turnaround time for the process of a reaffirmation is 3-6 months since everything has to be ink signed, and can only be transferred through physical mail in which all parties must sign including the XXXX XXXX. So we lost every single on-time credible payment, in which we have never been late on our mortgage in the 12 years from then prior. So Arvest acquired our loan in XXXX of XXXX, and it would be for another month or so before our account would be fully transferred to them. Obviously they cant change any terms on our loan and we were still under XXXX forbearance. They gave us no chance to restructure or reaffirm our loan since we were to be discharged on XXXX XXXX XXXX. Arvest kept us on forbearance but took it over from XX/XX/XXXX through XX/XX/XXXX. XXXX did not apply my payment for XXXX payment. And I dont know what happened to the money that was in escrow but XXXX transferred our loan with - {$400.00} in our escrow account. So As of now, we are deferred from XXXX of XXXX to XX/XX/XXXX. Principle and interest. However, XXXX also included escrow, which I still havent investigated yet, into our deferment, but also put us on a 5 year loan in the amount of {$4000.00} to apparently pay back from the forbearance for escrow. Yes, even though they charged us in the deferment for those months. Ive been battling both of these lenders in terms of where the money went. Even though I have proof of payments not only from the lender themselves, but from my bank statements. Since those werent suffice, Im now having to get the actual transaction number from the bank to see where the money was actually wired. We were able to refinance into an fha loan with united wholesale mortgage. The lump some we had to pay off is absurd. And most likely fraudulent.we are literal paying for way more then what was agreed on. My account must be looked at thoroughly and calculated correctly. These lenders have made money of our hardship. Its disgusting.
09/16/2019	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	AR 72903	Web
On XX/XX/XXXX two unauthorized transactions occurred using my debit card link to my bank account. The first transaction was for {$990.00}, and the second transaction was for {$250.00}. My debit card was also link to XXXX XXXX since I use them in the past to send money to friends and relatives. The money that was taken out of my account was transferred to XXXX XXXX, and a Bitcoin was purchased and then cashed out to an unknown recipient at XXXX XXXX. On XX/XX/XXXX, I contacted XXXX XXXX via email ( that was the only means of commination ), and explained the situation, and they said they will reply to my email in 24 hrs. Also, on XX/XX/XXXX, I notified my bank ( Arvest ), and the woman I spoke to was friendly and apologetic. She informed that since the pending transactions were link to debit card instead of my bank account she couldn't stop payment, but she told me that once the transaction posted I could file a dispute ; get my money refunded back into my account. Once the transaction posted, I filed a dispute with Arvest bank, and they denied the dispute. They informed I need to go to the merchant since it was there system that was compromised. I called the Arvest bank ( the dispute department ) and spoke to XXXX XXXX a dispute Specialist and explained that I was still waiting for the merchant ( XXXX XXXX ) to reply, but I was told by one of their employees that once I filed a dispute I would get my money refunded back into my account. XXXX informed me to file a second dispute and file a police report since hacking ; or compromised system is the same as theft ; include that information in the second dispute and it will increase my chances of my second dispute being approved. I filed a second dispute and included the information such as police report, screen shots of the unauthorized transaction, and emails I received and delivered to XXXX XXXX security, and the second dispute was also denied. On XX/XX/XXXX XXXX XXXX finally concluded their investigation, and came to the conclusion that my XXXX XXXX was in fact compromised, and they recommend me filing a dispute with my bank ( Arvest ) which has already be done twice, and I emailed XXXX XXXX to let them know, and I haven't received an reply as of XX/XX/XXXX. I contacted XXXX XXXX to help me investigate this matter, and they recommend I file a complaint against the Arvest bank. Arvest back hasn't given a clear reason as to why they can not refund my stolen funds back to me. I just hope to get my stolen funds back ; prevent this from happening to someone else. This ordeal has been time consuming and frustrating, so help someone can give me answers, and bring be some closure.
05/12/2016	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	AR 72206	Web
On XXXX/XXXX/XXXX I contacted XXXX XXXX who is a loan officer for Arvest Bank ; who is also my current mortgage lender, regarding a FHA Streamline refinanace at a current rate of 3.50 %. My current interest rate with Arvest Bank is 5 %, and the mortgage term is 30yr. I initially asked for a 15yr term with a fixed rate, but he advised that my payment would raise {$50.00} dollars higher than my current mortgage payment and that I would not be permitted to do a FHA streamline refinance unless the payment is lower than my current payment. He then advised me to do a 30yr term, but I requested that it be a 20yr term, because I want to pay off my mortgage sooner. I was informed that a FHA streamline refinance does not require income or credit qualifying, as long as you have been current on your mortgage for the past 12 months, but XXXX pulled my credit without my authorization. He then told me, that he wanted to due my loan at a 30yr term and not a 20yr term, because he would not be able to sell it to an investor at a 20yr term. I tried to work with XXXX, but he was not very customer friendly, and continued to presser me to do a 30yr term loan. I called at another Arvest location and spoke with XXXX XXXX on XXXX/XXXX/XXXX, and filled out application, and she informed me that there was a state and federal tax lein on my property, and that it would need to be paid before I could refinance my mortgage. I contacted IRS and the state of Arkansas and was informed that I did not have any tax liens on my home. XXXX sent a XXXX No.XXXX Authorization form to prove that I owe no federal taxes. I filled form out XXXX/XXXX/XXXX returned to Arvest, but XXXX XXXX Closing agent with XXXX XXXX XXXX stare the IRS refuses to speak with her. this was either something to prevent or stop me from refinancing with streamline. I was told that my paperwork was going to underwriting XXXX XXXX, and I would close in a week. On XXXX/XXXX/XXXX I was contacted by XXXX XXXX who informed me that this was not going to happen and that XXXX XXXX no longer works for Arvest Bank and she would be handling my refinance and we can not prove that the XXXX Federal tax lien has been paid and XXXX XXXX XXXX ca n't verify that this has been released, yet I have paper work from the state which says this was released XXXX/XXXX/XXXX from the court house but XXXX and XXXX said it has to come from the IRS. XXXX/XXXX/XXXX XXXX said we would set date to close. XXXX/XXXX/XXXX XXXX said it had to go back to underwriting. It is now XXXX/XXXX/XXXX and I have left several phone and email messages, but no one has returned my calls. Yours truly, XXXX XXXX
07/29/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	ME 040XX	Web
In XX/XX/XXXX I was in decent financial shape, never had a late mortgage payment and employed. I applied to refinance my mortgage with arvest central mortgage since the rates were so low and I no longer would have to pay pmi as I owned more than 80 % of my home. Lowering my rate and getting rid of pmi would significantly lower my mortgage payment. I am a single mom, working 2 jobs so any help would have gone a long way. I was approved at a lower rate, submitted all documents, paid the {$500.00} fee and was ready to go. My loan officer got married during this time and was on vacation. He continued to ask for additional information regarding my child support and other documents that were not initially requested. He was slow to get back to me and because my child support payments had only started being directly deposited into my account for 4 months ( although I had been receiving child support for over a year ) I was only able to show through my bank the 4 months instead of the 6 he was asking for. Before I was able to provide the requested documentation of the additional past 2 months of child support. The officer closed my loan and say d I would have to start over. Even though he was the one who had been unavailable for most of the 30 days. Within a week, due to covid, I lost my job and weeks later my XXXX XXXX XXXX daughter was XXXX out of state. I missed a mortgage payment, effecting my credit score, had to apply for covid forbearance, owe over XXXX in mortgage payments, am not unable to get a lower rate or refinance at all, continue to pay pmi even though I own well over the amount needed of my home and my credit has plummeted. If I had gotten that refinance loan in XX/XX/XXXX as I should have, I would have been able to afford to pay my mortgage throughout the pandemic. I am now in a position that I can not apply for refinance due to forbearance and probably wouldnt qualify due to my bad credit ( that never had been bad up until this point ). I have been working fill time for over 6 months but have still not been able to catch up from this terrible incident in XX/XX/XXXX with my mortgage company. I have spoken to them about it, they said they could do nothing other than offer me the forbearance which I took as I was desperate at that time and didnt want to lose my home and become homeless with my XXXX children. I am a XXXX XXXX, and assist my clients often with the rental assistance programs and utility help, but if you own your home, even though you are so behind, it doesnt seem like there is help? Thank you so much for any help, XXXX XXXX
12/01/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 95121	Web
I have sent notification to this trustee who is attempting to wrongfully foreclose on my property. By their filing of instruments they are in violation of the Equal Credit Opportunity Act ( codified at XXXX ) and the Fair Credit Reporting Act ( codified at 15 U.S.C. XX/XX/XXXX ). Trustor is exercising his/her right to conclude and inform you that your NOD Instrument does not constitute Notice and is invalid under California XXXX. Specifically, the legal sufficiency of the Filed Instrument is disputed and denied by Trustor. Because of this discovery we have demanded that the trustee cancel TS # : CA XXXX XXXX. To this date, and to our knowledge, they have failed to cancel the Trustee 's Sale. I believe that if any attempt is made to execute the Trustee Sale identified above, they will be acting with Notice of invalid Filed Instruments and of debt disputed by the Trustor. They have been so advised that, because of and consequent to this Notice of invalid Filed Instruments, Trustee Corps is exposed to full liability, jointly and severally, along with the Beneficiary ( s ) and/or affiliated entities for any damages that may, in the future, be awarded for filing false instruments, breach of contract, or wrongful foreclosure. A material defect in the NOD, such as gross misstatement of the amount in default, voids the sale, and the trustee may refuse to convey the trustee deed. XXXX XXXX XXXX Court XXXX XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX. The court in City of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX also stated that : " the purposes of the Recording Statute is to provide Notice ... whether valid or invalid ... if invalid instrument is filed, no Notice is given. '' The Trustors ' rights under both the deed of trust and statute are being violated by Trustee Corps. Trustee Corps was never properly and legally substituted as trustee of the subject deed of trust, therefore, you are statutorily prohibited from asserting any such authority. It is in criminal violation of XXXX. XXXX XXXX XXXX, Filing False Instruments. The Filed Instruments identified herein are statutorily defective and false. They were demanded to immediately remove them from the public record permanently and to cause Public Notice of such remediation to be effected immediately. After receiving no response from Trustee Corps, we mailed them a Notice of Default notifying the company that they were in default on their obligation to rescind the Notice of Default as demanded by the Trustor and were in breach of contract.
11/03/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 33157	Web
Dear Sirs and Madam I have made several complaints regarding Arvest Bank1 ) Case # XXXX ) Case # XXXXWich they where dismissed with LIES stating that did not have Authorization forms. At that time I called you CFPB and you asked me to repeat the process and start again. At that time I filed another XXXX complaints1 ) XXXXStating the same thing as the first XXXX as listed above. Then filed the second one2 ) XXXX wich at that time I proved to CFPB in reference the Authorization forms and how many my attorney XXXX XXXX had send them wich I foward you all XXXX of them. It leaves no choice but to prove to you once again that this company cares nothing about governing them self proper ethics and continue to break Federal laws. Due to financial issues I had to file Bankruptcy wich was filed on XXXX XXXX, 2015. Once again Arvest Bank and their hired guns violated my Federal Laws by contacting me by hiring XXXX XXXX XXXX wich at that time they contacted XXXX XXXX my attorney handling my case # XXXX XX/XX/2015 please see attached email. Then on XX/XX/2015 they send a private adjuster XXXX XXXX from XXXX XXXX company to question me at XXXX XXXX office at this time WITH OUT AUTHORIZATION FORMS. XXXX XXXX after questioned me like I was the one doing wrong then continued to follow me home and entering my home and taking pictures of property area interior. Under Federal Bankrupcy laws that was unlawful for them to do I found out they could n't do what they did so I contacted them and confronted them with it. They try to cover there tracks and go behind my back and got an authorization form from XXXX XXXX wich was dated XX/XX/2015 after being question by XXXX XXXX. This company comes to show that do not care about the Federal laws like they are above them. I do n't know how many times this has to happen before a Federal government agency that could stop this ABUSE. I 'm at your mercy my attorney says I have to do this but until when is enough how long is the Federal Government allow this to happen. To further add to injury in Arvest Bank is refusing to make payments to the General Contractor on money 's paid by insurance claim as stated on Case # XXXX and # XXXX making it harder for me to do a home modification because the General Contractor is putting a lien on the house for nonpayment from Arvest Bank as I was told by my attorney XXXX XXXX. I do n't know what else to do I 'm waiting on your response so I can continue foward legally. I 'm at your mercy.
08/18/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	OK 740XX	Web
I had a payment due on my line of credit with Arvest Bank on XX/XX/2023. I went into the Arvest Bank located at XXXX XXXX XXXX XXXX on XX/XX/XXXX and made the payment. I was issued a receipt showing the payment was made. A few days later I received a past due notice, followed by a phone call from Arvest 's collection department. I returned the call and let them know when and where I had made the payment. The rep researched it while I was on the line and said the payment had been misapplied and she would get it corrected. I few days later, I received another notice stating that I was past due and charging me a late fee. I contacted Arvest Bank yet again to fix the issue. I was informed this time that the person correcting the initial error had also messed up and applied the payment to the wrong loan. I was told that the second mistake would also be corrected, that I would have all fees refunded, and that I would receive a call back later that day when it was fixed. I did not receive a call back, so I followed up the next day. I was told the process was still in review and that I would be getting another call back when it was completed. By this time, my next month 's payment was due, but I wanted to ensure that this was processed correctly before making another payment which may also be processed incorrectly. I received a follow up call stating that everything was fixed, that all payments were now showing correctly, and that I did not show to have a past due history with the bank. I asked for confirmation in writing in the form of an updated billing statement reflecting my XXXX payment being made on time and no late payments reflecting on my credit history. I was told that was not available but a teller could print an account history for me at the branch. I then went to the branch and made my XXXX payment, thinking the problem had been resolved. I have now received another notice in the mail stating that my loan is 30 days past due and that it could be reported on my credit. Repeated phone calls to rectify the situation have fallen on deaf ears. All I have asked is that the payment be corrected, all late fees be waived, that the records be updated to reflect that all payments have been made on time, and that I receive a letter acknowledging that the past due notices, late fees, and phone calls were due to an error of the bank and that this will in no way be reflected on my credit. As of today, Arvest Bank is refusing to do that.
04/19/2022	Yes	Checking or savings account Checking account	Closing an account Company closed your account	OK XXXXX	Web
Arvest Bank continues to violate the FDCPA on a routine basis including in my issues with them. Under FDCPA is clearly states that while an account is in dispute and being verified that NO collection activity may occur. Making a report to a CRA or third party during this time is and has been considered by the US Courts to be a " collection activity ''. During the period of verification of a debt or alleged debt or account a credit is restricted from making or taking any collection activity. The FDCPA clearly defines the period in which a customer is able to dispute an account or matter and that period in which the creditor is restricted from taking actions. I had an agreement which I consider to be legally binding in which these disputed accounts would not be reported to a third party. The very next day of such agreement Arvest made a report. The dispute was still in effect and the debt ( s ) had not been verified at that time- and they still have not been fully and appropriately. It is clear that Arvest does not intend to abide by federal law and the CFPB should investigate and take appropriate actions. I was able to easily find hundreds of current and former customers of the bank that have suffered in this respect. Arvest is a BULLY and if and when you disagree with them they seek to destroy the person or business. A complaint is being filed with the XXXX and the FDIC as their actions in this and others should warrant restrictions of their banking licenses and abilities. Arvest actions appear to be far worse that that of XXXX XXXX in which many federal and state agencies took appropriate actions. Arvest was granted a banking license to serve the public, not to create harm and to willfully disregard federal or state banking laws such as the FCRA and the FDCPA. These are the bedrock of our financial systems and protections for the public against entities such as Arvest. I was contacted by a lawyer that is currently signing up clients for a class action suit against Arvest in which many of these issues are to be addressed. I would believe it would be better if the CFPB, XXXX and the FDIC took action rather than private party legal counsel to do so as it would result in true changes not simply. financial settlement by Arvest to close the matter as they have done in the past. The actions of Arvest warrant severe action and penalties. I pray that the CFPB will take such action as soon as possible.
02/23/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33157	Web
Dear Sirs and Madams Arvest Bank, Arvest mortgage is now saying that there is other funds of {$2000.00} in complaint XXXX as a response. But before they did not mention any of those funds at all from Insurance claim, a Claim of funds in anyway you look at it are funds to be used for the purpose of repairing my Homestead. So I 'm a little confused of you sending me the funds to my name as shown in that case XXXX let me get this straight I 'm behind on monthly mortgage payments and you are so kind to give me a check {$2000.00} ( DOES THAT MAKE ANY SENSE ) I will not commit fraud by me cashing that check as I see those your intentions those funds belong to General contractor and mathematics are {$87000.00} + $ XXXX $ XXXX of course Arvest Bank, Arvest Mortgage do as they wish I guess changing Mathematics as well, I will continue to due the correct and the lawful thing which is put VOID in that check as it does not belong to me. Where ever those funds are at this time your guess is as good as mine but XXXX XXXX does NOT have those checks. In reference General Contractor Contract which you have all XXXX XXXX with my signature with XXXX XXXX with a notary stamp on it. If you did not agree with contract you have you should have gotten a revised Contract from XXXX XXXX. But instead you gave him a check for the amount of {$19000.00} at this time XXXX XXXX XXXX tells me that is a legal binding of Contract with Arvest Bank, Arvest Mortgage, Central Mortgage and myself XXXX XXXX. You have received a 100 % completion of his work by your choice of Inspections and till this date you keep saying that the checks have been distributed but at the end of the day XXXX XXXX has only received {$19000.00} plus {$10000.00}. You can dispute all you want as well as your Mathematics skills. This hole ordeal is making my health to deteriorate getting XXXX not being able to sleep or eat or function. How much can a person take XXXX Get sued by Arvest Mortgage XXXX My father gets diagnosed with XXXX XXXX XXXX I loose my XXXX XXXX XXXX father passes away XXXX XXXX House XXXX down XXXX Negotiating back and fourth with Insurance trying to match General Contractors numbers for 6 months XXXX XXXX attorney gives my rights away in a NON-Jury that I was not aware XXXX XXXX Arvest Bank, Arvest Mortgage, XXXX Bank, XXXX XXXX break in to my Homestead and steal what little I had left XXXX XXXX a LIEN on my home not being able to modify with XXXX
11/29/2023	Yes	Debt or credit management Mortgage modification or foreclosure avoidance	Problem with customer service	MD 20774	Web
Arvest Bank and its subsidiaries have been noticed at least five times starting in XXXX to verify a debt they claim I owe. I have sent certified mail request to Arvest Bank to verify the debt. We sent requests to see the actual assignments with the signatures of the transfer and the accounting of the consideration given for the supposed assignments for the Promissory Note and Deed of Trust ( DOT ). We asked for a certified under penalty of perjury copy of the wet ink signature promissory note front and back which has not been provided. The bank states they are the secured party and holder in due course of the Instruments without providing proof. As of XX/XX/XXXX Arvest Bank has sent a copy of the DOT and a copy of the Promissory Note ( without wet ink signature ) stating that the Instruments say they are the secured party. Neither copy of the documents memorialize its transfer to anyone. I have communicated numerous times the deed of trust is unsecured because they can not produce the Original Promissory Note with the assignments or allonges. In two of the letters, the Arvest representative said they have the original documents and if we wanted to inspect them, we needed to travel from XXXX to XXXX to inspect them. Since XXXX we have asked for the identity of the owner of the Note, Arvest Bank finally disclosed on XX/XX/XXXX the private lender/owner of the loan. XXXX pass thru mortgage-backed security XXXX XXXX ( XXXX ). After researching the Trust and reading the pooling and servicing agreement, Arvest Bank cant have the original documents because the pooling and servicing agreement states Mortgage servicers do not have the original documents. Additionally, when researching the Trust our mortgage and note was terminated/written off in XXXX of XXXX. They have been collecting payments for 4 years on a written off mortgage. They have not replied to our discovery. I sent Arvest Bank proof of claim from XXXX website, the custodian of the Trust ( XXXX XXXX XXXX. ). Another issue I have uncovered is the lender on our Note and Deed of Trust is listed incorrectly which makes the Note and DOT unenforceable due to flaws. There have been numerous irregularities and errors with our XXXX mortgage transaction. Arvest Bank has initiated Foreclosure proceeding when they have no beneficial interest in an unenforceable terminated ( written off by the Trust ) Note and DOT. See attached.
10/31/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 201XX	Web
On the XXXX of XX/XX/XXXX I attempted to close a real estate transaction at XXXX XXXX ( XXXX ) of XXXX VA. The transaction involved two lots ( tax map numbers ) and it was brought to my attention by the previous owner at closing that XXXX XXXX had forgotten to include one of the lots. The loan in question was correct as was the paperwork accompanying it, listing the two parcels in the sale on one loan. The originally quoted escrow and monthly payment were not correct due to the errors on behalf of XXXX title, the closing documents and calculations were prepared by XXXX XXXX, a representative of XXXX XXXX. After closing we were contacted by XXXX and advised of this error on their part as well as advised that the previously quoted amounts were incorrect and would be considerably higher due to their mistakes. After the first taxable period passed I was contacted by XXXX County representatives advising me the taxes had not been paid on one of the parcels. I contacted XXXX XXXX as well as Arvest mortgage multiple times to attempt to correct the problem. After speaking with both at length, I was advised the problem was corrected. Today, XX/XX/XXXX, I was contacted again by XXXX County advising me the taxes on the 2nd parcel had not been paid since the date of purchase and due to this, had accrued large penalty fees as well as interest fees at each billing cycle. Two years into this real estate transaction a large portion of the paperwork remains incorrect. I contacted Arvest Mortgage and advised them of the delinquency notices, they state the deed they received from XXXX XXXX only lists one parcel and are collecting and paying escrow based off the information received from XXXX XXXX. They only list one parcel and have not received any corrected information from XXXX XXXX since the date of the transaction. There is currently {$570.00} listed in delinquent penalties and interest due to paperwork errors on XXXX XXXX 's behalf but in my name as well as {$3200.00} owed in unpaid taxes totaling {$4100.00}. After my initial inquiry with XXXX XXXX as well as XXXX County I am under the impression they ( XXXX XXXX, XXXX VA ) are incapable of correcting their mistakes at my personal expense. I was advised by my loan officer on this transaction to file a complaint with the consumer financial protection bureau after multiple attempts contacting them to correct the problem.
07/26/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	AR 72034	Web
On XX/XX/XXXX an individual located with shipping address that was on the order invoice fraudulently made up an account with the company name XXXX XXXX. This person whom made this account hacked I suppose my card information and then wrote it upon one of XXXX XXXX mail order catalogs and I am assuming it made it in to XXXX XXXX mail address at some point for them to start the invoice on XX/XX/XXXX resulting in the amount of {$190.00} cents being fraudulently taken from my account reflecting on XX/XX/XXXX. I immediately notified Arvest Banks fraud department in which deactivated my debit card ; then I were instructed to contact the local bank for a new one. I were then told I could not get any dispute unless the charge cleared. I then contacted XXXX XXXX XXXX verifications line at XXXX ( XXXX ) XXXX spoke with a lady she asked was I XXXX I said yes, gave her my card info she only wanted the XXXX few numbers of beginning of card used and the last few numbers of ending of my card. She then proclaimed to have refunded/stopped the transaction on XX/XX/XXXX since then I have constantly asked her for documentation of this being cancelled and documentation of refund she had refused and only told me all she could do was give me an order number which she made reflect {$0.00} as the total. Which Im not sure why when its clearly XXXX taken from my account ; again Ive been denied proper documentation. I contacted them back again on XX/XX/XXXX customer service on chat stated a refund was just placed that day I asked them why was this when they were notified on XX/XX/XXXX, they then told me to speak back with the verifications dept at XXXX XXXX ; the lady were contacted again very insensitive and skipped over my question as to why the refund wasnt issued immediately and answered well I did it on XXXX not sure why the customer service people told you today as in ( XX/XX/XXXX ). Unfortunately with all these things as well arvest bank took 4 days to process the charge in order to even offer me a dispute. This has been a nightmare and unfortunately as the customer I feel I have been given so much run around and misinformation as though this doesnt affect peoples lives with children etc. I wish that you all will find it feasible to hold people accountable to even have offered prompt and caring services to me rather than shoving me around.
12/21/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	OK 740XX	Web
On XX/XX/18 we submitted a request for a short sale among other and all options regarding the late mortgage payments. In the letter we also included a short sale offer from a buyer. We requested the assistance packet to be reviewed and then review the short sale offer. On XX/XX/18 we receive 2 calls from Arvest saying our packet is being reviewed. On XX/XX/18 we receive a letter in the mail denying the short sale offer. Upon collecting information, this was done prior to the packet being approved. As you can see in the letter Arvest denied the short sale because we had not completed a packet ( which is false ) and b/c we had not been approved ( which is why we applied in the first place ). We completed a packet but Arvest denied the short sale before actually reviewing the facts. Due to the contract I was required to give the buyer all information and now the sale of my home is lost. Addtionally, Arvest denied our initial request for mortgage assistance in XXXX, because we were only 46 days behind on payments. So we were forced to take another hit on our credit score become more late, more late fees, more penalties, more likely to default before we could even speak to someone regarding our options to save our home. Arvest answer ; let us tack on more late fees, let us damage your credit some more then fill out a new packet once you are closer to foreclosure. Finally, Arvest has a policy that requires the packet to be completed before you speak to a person regarding options to save your home. This lack of communications makes it impossible to know what options to sign up for, how it will effect your credit score, what penalties there will be, how the process works. The only thing they tell you is, fill out a packet. Can I speak to a person regarding options. No. The packet requires knowledge we could only get by speaking to a person familiar with mortgage assistance. The mortgage assistance team at Arvest is not set up to help their clients. All actions at Arvest are essentiallym in place to satisfy the minimal federal requirements. They call each week to have " constant contact '' but they refuse to answer questions or the person that makes these calls has no knowledge and can only say " we are reviewing your request. '' Can I speak to someone regarding my options. No. Fill out another packet.
01/15/2019	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	AR 727XX	Web
I have been an Arvest customer for many years. Several accounts and several mortgages. A couple years ago I got a divorce and will admit financially it was hard. Paycheck to paycheck and most weeks negative. I was able to stay a float though till my mom passed away a few months ago. She left nothing so in order to bury her I took out short term loans and whatever I could. Thats when it became a disaster. I went to a debt consolidate place and I am trying it. Anyway all the loans were going to be put into one pymt but they kept trying to auto draft my checking account still. I told Arvest not to let them but they kept on so I begged Arvest to close that account numerous times but they refused. They closed it when it finally had over 700 dollars in just overdraft bank fees. I couldnt pay that and dont think its fair when I asked them to close the account or stop these places from trying to debit my account. I couldnt deposit any money into the account or these loans would have took it. Arvest then took XXXX dollars of my XXXX year old sons account to pay some of the over draft fees on my account saying I was on my sons account. Thats news to me. I never received notice that I was. Arvest has no right to take his money to cover this. He doesnt live at Home and has a family of his own. When I pull up my accounts with Arvest it has never showed my sons account. When I have order checks from them they mentioned the two accounts I have with them, never mentioned a third account. Anyway now the same thing is happening to my second account with Arvest that happened with the first. Once again they are refusing to close it or stop a certain business from trying to debit my account and its already over 500 in bank fees. I am at rock bottom. I have explained about my mom, begged and pleaded for mercy but have had no luck. I have never seen a bank so uncaring and heartless. I cant afford these overdrafts. My electric got shut off the other day. I am working 60 hours a week trying to catch up. Over 1,000 in bank fees this last couple of months is robbery. I have tons of messages to Arvest asking to close my accounts or stop the auto drafts starting from the beginning before it got so far out of hand. They refused. Tk you for listening and please help me before I lose everything including my mind. XXXX XXXX
07/16/2019	Yes	Checking or savings account Checking account	Problem caused by your funds being low Bounced checks or returned payments	OK 74403	Web
On XX/XX/2019 Arvest Bank in XXXX Oklahoma attached a bad Check to my checking account and withdrew XXXX from my account. It was a human error that they didnt catch I did on XX/XX/XXXX when I went to withdraw from my account and saw I only had XXXX in my checking account. It took hours of face to face with the XXXX Oklahoma branch to find out what had happened and I was assured that my hard earned money would be put back into my account and someone would be calling or emailing ASAP. I asked for a time line when this would be done and was told that it was not her department and couldnt tell me how long it would take and informed me just dont use this account until it is resolved. I asked her how I could live without my money and the branch manager advice was to just keep checking on the account to see when the money would be put back into my account. As an Oklahoma XXXX I live from paycheck to paycheck and it was unacceptable that they knew what had happened but didnt put my money back into my account. On XXXX I called the XXXX Number to Arvest Bank and after over a hour on the phone again I was told the money would be back into my account by XXXX XX/XX/2019. I told them it was unacceptable to keep my money almost an entire week due to their error and I wanted my money put back into my account. They bounced the situation back to XXXX branch manager to deal who called my husband and informed us that it would be taken care no later than the close of their work day XX/XX/2019 As of this morning I still have XXXX in my account. My complaint is when Arvest Bank can clearly see what the problem is, it should not take a week to return money to my account. That is basically stealing so they can balance their accounts. This situation has caused an extreme stressful situation that is completely not professional. I want their policy of taking this long to solve this situation changed to a 24 hour turnaround. I want them to follow through with personal calls and or email customers when they state they will. No one found this error, I did, and was told I would be contacted. No one contacted me. I have a right to be contacted and treated with better communication than this business has in their policy They took my money by human error but they kept it by a system that is not acceptable.
03/12/2023	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Public record information inaccurate	NH 038XX	Web
At this time I would like to file a complaint about the improper handling of the discharge of my mortgage by Arvest Mortgage Company. Dispute with Arvest Central Mortgage Company XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AR XXXX XXXX Specifically I am seeking help with their failure to properly follow through and remedy the error they made regarding the discharge report to credit unions and their continued failure to remedy the problem within an appropriate time frame. On XX/XX/XXXX I was notified by email and telephone by my current loan officer XXXX XXXX ( XXXX ) XXXX, that his mortgage company was unable at this point to approve my financing for a new home due to Arvest Mortgage Company never publishing the discharge date of XX/XX/XXXX of property I co-owned at XXXX XXXX XXXX, XXXX, NH to the any of the three credit agencies. Currently the account status says more than 120 days past due and/or foreclosure. By law, the account status needs to be discharged with the date of XX/XX/XXXX. I believe Arvest Mortgage is in violation of federal and state law in this matter. I immediately called Arvest Mortgage ( XX/XX/XXXX ) and spoke with a customer service representative XXXX XXXX. She said the dispute needs to be sent to the credit dispute department and there is no phone number or extension she can give me to contact them. They only accept email disputes and mailed disputes. She also sent them an email to help start the process on XX/XX/XXXX. I received a confirmation email that the email had been received. I also followed up with a personal email from me on Wednesday, XX/XX/XXXX in the hopes that would help with the process. ( While they did send me the identical email from the one above confirming that it had been received it was not printed out by me in time and it expired. ) On XX/XX/XXXX I sent a follow up email and they sent me another email saying they received my request on XX/XX/XXXX. On XX/XX/XXXX I sent another follow up email reminding them as per their emails that I was supposed to get a mailed response within 30 days which I did not get. On Monday XX/XX/XXXX they sent me another email letting me know they received my email, similar in wording, that I should hear from them by mail, etc. I have yet to receive any mail from Arvest Mortgage.
05/10/2019	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	OK 730XX	Web
Automatic payments were set to go out every two weeks from my Arvest Bank ( XXXX ) account to a student loan account with the XXXX XXXX XXXX managed by XXXX XXXX. Payments were being made until the account was below a certain amount. Auto payments were stopped from Arvest Bank to the XXXX XXXX XXXX on or around XX/XX/2019 due to a lack of funds and Arvest continuing to send and then charging a insufficient account funds fee of {$17.00} on XX/XX/2019 and XX/XX/2019. Arvest advised me there was no way to not submit the payment if the account was below a certain threshold and auto pay would send the check or other means anyways even if the funds were not there. As such, auto pay was requested to be stopped so insufficient fund fees would stop. Shortly thereafter I started receiving phone calls from ( XXXX ) XXXX stating they were a payment company affiliated with Arvest and needed my credit card number to make the {$35.00} dollar payment since the last one had been returned. They had my name, phone number, and the amount of my last payment. I did not give them my credit card number and I then called Arvest Bank to ask about this. Arvest said they would investigate and I never heard anything back. I have blocked the ( XXXX ) XXXX number and that number is still attempting to call two to three times per day. The only way this company would have received my personal number and the payment amount is through Arvest Bank. On XX/XX/2019 I noticed that {$35.00} was taken from my Arvest account via ACH noting the following : XXXX XXXX XXXX RETRY PYMT. This was not authorized. I contacted Arvest bank and they told me there was no way to verify if an ACH request was authorized by the account holder or not and that I would need to pay a {$30.00} fee to stop the payment. In addition, this payment would have put the account into a negative balance and another {$17.00} insufficient fund fee would be applied by Arvest Bank if a new deposit was not made. Main complaints : - Arvest Bank financial practices to recoup revenue on unwarranted insufficient fund fees - Arvest Bank not verifying ACH requests are authorized ( acceptance on file, code sent, etc. ) - XXXX XXXX XXXX or their affiliate using unauthorized means to collect payments ( ACH request, phone calls, etc. ).
05/14/2016	Yes	Bank account or service Other bank product/service	Using a debit or ATM card	OK 74105	Web
On XXXX XXXX, 2016 I bought a e-cig tank from an online merchant XXXX XXXX for {$32.00}. I used my Visa Debit card from Arvest Bank. The tank turned out to be defective. XXXX refused to take it back or issue a refund so, I contacted ( called the XXXX number ) Arvest about doing a chargeback. I then received a letter from Arvest cancelling the chargeback. No explanation was given. So, I called Arvest again and was told to return the item back to XXXX and get proof of the return ; send the info to Arvest and they would initiate a chargeback. I did that ; sent a copy of the USPS delivery confirmation AND signature of receipt to Arvest and was told that I would have my refund in 10 business days. This was on XXXX XXXX. After waiting 10 business days and seeing no refund I again called Arvest and was told it takes 30 days and that the merchant was disputing the chargeback. After waiting 30 days and still no refund, I again called Arvest and was told it takes 60 days. In the meantime, I contacted the Washington State Attorney General 's Office ( because XXXX is in Washington ) and they said they would see what they could do to get my money back. Yesterday, XXXX XXXX I received an email from the Attorney General 's office and XXXX told them that 1 ) my money had already been removed from their account as of XXXX XXXX, 2016 ; 2 ) Arvest told them in the chargeback paperwork that they were not going to refund my money and 3 ) they were not disputing the chargeback. So, once again I called Arvest and the girl who answered the phone said she would look into it and then the phone line went dead & I had a dial tone. So I called back and was told that she was on another line and would call me back. Well, obviously that never happened. I just want my {$32.00} back at this point. I am # 1 ) sick and tired of having to call the XXXX number and NEVER getting to actually speak to anyone in the dispute department. I am not even sure at this point that there is a dispute department. They do not speak to me on the phone ; they do not return my phone calls ; nor do they answer my letters. I even complained by letter to Arvest 's customer service and no reply from them either. # 2 ) I am tired of being told a different story every time I call and ask about this dispute.
06/09/2022	Yes	Mortgage Conventional home mortgage	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 92675	Web
Arvest Central Mortgage reported me 120 days late during loan modification trial period in the midst of XXXX when I made ALL the trial payments on time. They state my mortgage was delinquent when the trial period started which is incorrect and that's the reason they reported my account 120 days late. I had requested and was approved for a XXXX month forbearance plan from XX/XX/XXXX- XX/XX/XXXX. I applied for the loan modification XX/XX/XXXX and was approved for the trial XXXX1st pmt XX/XX/XXXX, 2nd pmt XX/XX/XXXX and 3rd pmt XX/XX/XXXX. All XXXX payments were made on time and they still reported 120 days late for XX/XX/XXXX- XX/XX/XXXX. I called once I found out this was reported on my credit report and " their response I signed document stating my credit score could be affected by accepting a loan modification ''. I realize this but thought they were only allowed to report the truth which was I had had agreed to loan modification trial period NOT that I was ever 120 days. I was on forbearance XX/XX/XXXX - XX/XX/XXXX so how could I possibly be 120 days late XX/XX/XXXX?!? They had originally reported 120 days late for XX/XX/XXXX and XX/XX/XXXX which they removed after my first complaint. They also told me if I didn't request for a loan modification after my forbearance ended I would be required to pay the XXXX months of mortgage payments immediately or they would report my account 120 days starting XXXX which they ended up doing anyways. I would have NEVER agreed to the loan modification if I knew they would report me 120 days late. I would have cashed out my XXXX to get my account current and start the process to refinance my loan ASAP. Because of what they did I was unable to refinance when rates were exceedingly low in XXXX & XXXX all the while they continue to take advantage of what they did to ruin my credit and make money off of my higher interest rate and collecting PMI of XXXX XXXX monthly. I could have refinanced and not have to pay {$580.00} PMI due to value of my home increasing by almost 60 %. They took advantage of me during the height of XXXX which is criminal. Attached is the history print-out from their website showing all payments made from when home was purchased XX/XX/XXXX - current date.
10/18/2021	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	MO 648XX	Web
My husband and I applied for a construction loan through Arvest in XXXX, MO. We thought we had done enough research and were going with someone who would help us. We were wrong. First, our DTI was calculated using our temporary rent ( while we build ) as permanent debt after our build, and a " proposed '' payment for a final loan was added to our DTI making it very high. This took some work on our part to get Arvest to fix it. We got all the way through our construction application process ( 8-10 weeks ) and the appraisal came back extremely under market value. Our new construction home was appraised at $ XXXX/sq ft, while other banks were estimated at $ XXXXsq ft. The wrong land was appraised as well. We sent in a appraisal appeal and assumed that the bank would see how under value the appraiser had done. We were told we had to obtain our own comps, and were given no guidelines other than confirmed sold within 12 months and comparable. We thought we did well obtaining comps. We even submitted reviews for the appraiser, XXXX XXXX with XXXX XXXX XXXX. All of which were 1 star for under appraisal. The appeal came back XXXX/XXXX/21 as no changes stating " comps weren't close enough ''. Our house is going to be XXXX sq ft. We used comps of houses XXXX sq ft. They said the lots were too small on some comps. Some used on the official appraisal were 2 acres. The appraiser was at the meeting with the bank appeal team and the appraiser was the one to make the final call. I called Arvest and asked why there were no changes when the land appraised was not even the correct land. I was not given a good explanation and was basically told there was nothing I could do, other than submitting a new appraisal or doing an additional loan causing more risk to us. I have submitted a formal complaint with them and a manager from the bank contacted me ( with no help ). We are now starting from square one at a new bank, with higher ratings. I'm trying to ensure nobody goes through this same boat with Arvest Bank. We have good credit, a good income, and we don't have much debt. There is no reason this should've happened to us. It almost like Arvest did not want to give us a loan.
07/13/2017	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 92648	Web
Today XX/XX/XXXX I talked with Arvest Central Mortgage Co. Supervisor XXXX XXXX. Phone # XXXX X XXXX about the paid off Loans- Escrow Refund to me with the check # XXXX the amount of {$1.00}, XXXX The problem that they placed the order of the payee with my ex-husband & my name on it. I could not deposit the check. Because my ex-husband and I had borrowing the loan and both our name on the note since XX/XX/XXXX and the note had been bought by Arvest Central Mortgage Co. in XX/XX/XXXX. In XX/XX/XXXX, we divorced and the court ordered I kept the property and responsible for the note. XX/XX/XXXX, I have refinanced to the new loan from XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX overpaid off the Arvest Central Mortgage Co. {$1.00}, XXXX. I called Arvest Central Mortgage Co. Representative many times and explained the situation that my refinance new money paid off the loan NOT my ex-husband money. I suggested to provide them the divorce decree court order in XX/XX/XXXX. But they still kept their opinion that my ex-husband on the note and they have refund my new refinance money with his name on it. My ex-husband and I on the borrowed note back in XX/XX/XXXX but he is not responsible to pay for the note. The court ordered me to pay and I refinanced the new money paying off the loan, how come Arvest Central mortgage takes my money and goes against the court order to pay for my ex-husband? My ex-husband and I divorced, we do not have the same account with two names on it, we can not deposit the check. Arvest Central Mortgage does not refund my money under my name, I have no way to get my money back under my name. This is a big amount of money for a single mother working under minimum wage to have the money for my living expenses. This is unfair for me, Arvest Central Mortgage Co. did not obey the divorce court order and tries to keep my money longer in their bank. I hope that CFPB can help me to get my refunded mortgage check, under my name only, which had been overpaid off by my new loan. Arvest Central Mortgage should follow the divorce court order to pay for me only. I appreciate for your time and help me to solve this problem.
03/27/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 85048	Web
Arvest Central Mortgage - On XX/XX/XXXX I logged into my online mortgage account with Arvest Central mortgage and noticed my monthly payment amount had increased from {$1600.00} per month to {$1700.00}. This was a shock to me, since originating my loan in XX/XX/XXXX, and since the loan had been placed with Arvest in XX/XX/XXXX my payment has not changed. I contacted Arvest and was told there was a lapse in my home owners insurance, as well as an escrow shortage of {$1000.00}. I have no idea why this would be, i have not changed or authorized change on my home insurance ( haven't even contacted them ) or anything else to do with my mortgage/payment since i got the loan. It is my understanding that the monthly payment covers your principal and interest, insurance and taxes ... and that a certain portion is put into an escrow account every month to be disbursed properly throughout the year when items are due ( taxes and insurance ). I explained what i understood to Arvest, and requested that they look into why the shortage/lapse occurred .... and advised all i want to know is why my payment increased so much. I made this request on XX/XX/XXXX, and as of today XX/XX/XXXX there has been no resolution, no clear explanation, and certainly no urgency in assisting their customer with something that simply doesn't add up. I do understand payments can increase based on taxes going up, but this doesnt justify {$100.00} increase per month. The difference in the payment seems to be the {$1000.00} from the escrow shortage that they are now trying to recoup through my monthly payment, but why was there a shortage to begin with, nothing changed? As im sure whoever is reading this can tell, I'm confused and frustrated. Hopefully the CFPB can help me identify what happened, or get me in contact with someone at Arvest who truly intends to help me. I spoke with my insurance company, title company from when i originated the loan, and the original loan company. All indications that I've received point back to Arvest being the responsible party, and the {$1000.00} shortage being caused my some mistake Arvest made. Please help
10/30/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 32256	Web
I defaulted on my mortgage XX/XX/XXXX with Central Mortgage. The property has been occupied by a known person that has not paid rent or local taxes or utilities, which now have tax and sewer liens The property is valued at XXXX XXXX. Central Mortgage has not filed for foreclosure after 6 years, going on 7 years. I have called the attorney XXXX XXXX repeatedly to ask them why, and they said they have not had direction from the lender. I filed BK in XX/XX/XXXX and as a result, I am no longer financially responsible for the property, however due to mortgage banking underwriting requirements, without a sheriffs deed, I can not purchase another property. I had a catastrophic event in my life in XX/XX/XXXX that caused the default. I have rebuilt my life, re-established my credit, have strong income and would like to buy a home. However, XXXX XXXX has been negligent in not foreclosing on this property and allowed a family to essentially " squat '' in the property for the last 5 years. I am aware of them living there as they used to be family friends. After the property was vacant and no one from the lender took an interest, they moved in and have lived there since XX/XX/XXXX. The mortgage is approx. XXXX XXXX and the property taxes are $ XXXX. As a result of Central Mortgage negligence, the property has multiple tax and county tax liens, remains on my credit, prevents me from moving forward in my life and from obtaining home ownership again. My calls to the legal firm have been ignored, calls to the lender are not accepted. Please help me contact Central Mortgage. If I had the financial resources, I am sure a class action lawsuit against this lender would find hundreds of borrowers such as myself stuck in this state of not be able to move on. After 6 years, why cant this lender foreclose and take possession of the property. They are violating the rights afforded to me under the BK laws, which they seems to care nothing about. Thank you for your time and service. The CFPB is the reason consumers have a voice today. My name is : XXXX ( XXXX ) XXXXProperty address:XXXX XXXX XXXX XXXX XXXXCurrent address:XXXX XXXX
09/28/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	TX 78258	Web
On XXXX XXXX, 2015 my attorney sent a letter ( XXXX, confirmation attached ) to Arvest Bank disputing the validity and terms of an negative entry they were reporting to all major credit bureaus. I have never done business with Arvest bank and have asked for verification from Arvest many times over the past year. This time I have paid for attorneys to get involved. I have repeatedly asked Arvest bank for 1 ) Copies of all written contacts and agreements of the parties ; 2 ) Anything signed by me, XXXX XXXX ; 3 ) Documentation of performance by Arvest Bank ; and 4 ) all business records of Arvest Bank, concerning the alleged debt. As of this date XXXX XXXX, 2015, I have never received ANY communication, nor validation of this fraudulent account from Arvest bank despite my documented and repeated requests. On XXXX XXXX, 2015 I sent a second request for validation letter to Arvest Bank ( XXXX confirmation attached ) again stating my original request from XX/XX/XXXX that has not been responded to for validation of this fraudulent account. I included copies of the original letter as well as copies of the signed delivery confirmation to their offices. Of course I have still not received ANY response from ARVEST bank. Not only has ARVEST bank refused to provide me with the evidence I lawfully requested in my previous letters, they have violated the FDCPA by continuing to report incorrect and unsubstantiated information on my personal credit report. This activity has been HIGHLY injurious to me. I am requesting IMMEDIATE retraction of all negative information posted by ARVEST bank on my personal credit reports that ARVEST bank is reporting to all major credit bureaus and to be forever removed from my credit record with all reporting agencies, as well as to have them send me a letter stating that this is account is closed in their offices and will not be sold, transferred, or in any other way be collected on again either by ARVEST or any other company. I am also going to pursue this issue with the FTC and the Texas Attorney General 's Office about ARVEST 's clear and continued violations of he FCRA and FDCPA.
11/06/2018	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Problem with renewal	AR 719XX	Web	Older American
Arvest Bank merged with XXXX XXXX XXXX in late XX/XX/2018. I had an IRA CD with XXXX XXXX with a 12 month maturity. I received no prior notice that my account was about to mature. Then on XX/XX/XXXX I received a notification which I thought was just a notice that my CD was about to mature because the title was reinvestment notice and then was NO STATED INTEREST RATE. I kept expecting some a followup with a stated interest rate so I could decide whether I wanted to renew or not.To follow up, I finally made a personal trip to the bank yesterday and was told that my account had in fact been converted into an 18 month maturity CD yielding 1.1 %. I asked why there was no interest rate stated on the notice I received, and I was told that no interest rate was stated because they wanted me to come into the bank to discuss other possible financial products ( an unfair cross sell technique ). I then asked about a six month CD and was told the interest rate was 1.9 %. They locked me into a longer term product at a lower rate rather than a short maturity product at a higher interest rate. The sales representative ( XXXX XXXX ) and branch manager ( XXXX XXXX ) both said that Arvest changed the maturity because it was the closed product to my CD from XXXX XXXX. But my original CD was for 12 months and if they had to change maturity, Arvest could have chosen a six month or an 18 month CD. They chose the one most disadvantageous to me and most advantageous to Arvest. The CD is for about {$25000.00}. By choosing the type of account Arvest did, they deprived me on 80 basis points in interest ( a total of {$310.00} over the 18 month term ) and lowered their cost of funds by {$310.00}. When given a choice between products, Arvest chose the product that would be most advantageous to them and the most punitive for the customer. Then they said to change to the six month now, I would incur a penalty of over {$140.00}. I consider this whole process ( from the notification to the unwillingness to modify the terms without a substantial penalty ) to be unfair and misleading on the part of Arvest.
05/18/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60625	Web
Dir Sir or Madam Following a mortgage transfer from XXXX XXXX to Arvest Central Mortgage, I found myself to be a customer of Arvest bank in XX/XX/XXXX for a Rental property I purchased on XX/XX/XXXX in XXXX. On XX/XX/XXXX, my tenant provided me with a an account statement letter dated XX/XX/XXXX requesting the XXXX payment. At first Arvest mail was sent to the loan property and not to my home address. On XX/XX/XXXX, I contacted the bank and issued a payment for the month of XXXX and initiated an Auto Draft to withdraw the mortgage automatically from my Bank Account. I received a confirmation email ( attached ) stating that auto payments will be processed starting XXXX. At this point, my assumption is that the Bank will indeed process the payment automatically. On XX/XX/XXXX, I received a notification that a derogatory account notice was put by Arvest on my credit report. I reached out to their customer service team and I was told that the auto payment didnt happen for XXXX nor XXXX and it should only happen automatically for XXXX. I want to believe this is a mistake on their behalf since I was working on the assumption that they will be processing the payment automatically and I never received such information that contradicts the email attached. That same day, their team processed an auto draft for both XXXX / XXXX payments ( Confirmation attached ) but refused remove the derogatory notice on my credit report. The first written communication with this regards I received was dated XX/XX/XXXX disregarding the payment that was made. The derogatory notice on my credit report has severe consequences on my personal and professional situation. I work as a consultant and advisor to some of the largest financial institutions in the US and a stellar credit report is a requirement for my work. Based on the circumstances I described below, I kindly ask that your help with Arvest Bank to reverse that notice on my credit report and that no other actions are necessary on my behalf. Thank you very much Best regards, XXXX
11/15/2017	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OK XXXXX	Web
e-mail toXXXX XXXX XXXX Ma'am, Did I or did I not walk into your branch about two months ago and sign up to have my account statements for XXXX delivered to me via slow mail on paper? This is the second month I have not gotten my paper statement for last month. Please fix it. I will not ask nicely again. Nor will I wait for years, as I did with your online mess. The next time I will take out an ad in the legal section of the XXXX XXXX, the month after that, I will take out a column ad, and the month after that a half-page ad, and the month after that a full page ad. In each one I will explain to the public that your bank is either incompetent or discriminating against me personally. That your bank has long refused to give me reliable online service, requiring me to repeatedly sign in while going around in circles on the login page - then lied about why, offering up ridiculous IT excuses that don't pass the smell test. Then when I sign up for paper statements, refuses to send them, making me ask every month. Eventually, I'll get inventive and start putting videos about it on XXXX. I'm going to ask in speculation if this is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX messing with someone who is not XXXX. Or entirely XXXX. Yet. I shall also send repeated complaints to the CFPB, citing "your complaint XXXX about Arvest Bank." Then, when that's all said and done, I'm going to get a lawyer and sue your bank in court, for lawyer's fees and the sheer aggravation of being forced to move my accounts, savings and automatic deposit(s) to another bank. Because surely I could not trust your bank to facilitate that without causing me significant financial grief. It would seem to need a court order and sufficient financial penalties for fraud or failure. After all, you also promised me online service and paper statements. If you should think that your bank can mess with me like this and then expect me to be satisfied with "arbitration", please think again. Sincerely, XXXX XXXX XXXX
09/03/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA XXXXX	Web
I purchased this home around XXXX XXXX XXXX with the intention of living here with my daughter, her husband and children. Little did we know at the time that the economy would take such a drastic turn for all of us. We attempted to manage as we have always stuck together as family, but the constant loss of employment and reduction in income finally took its tool. XX/XX/XXXX my son in law 's work was reduced and finally ended XX/XX/XXXX. This caused us to fall behind on the mortgage to the point that in XX/XX/XXXX I received a foreclosure notice. Fearing that I would lose the home and afraid to deal with some of the scams going on in the news I hired an attorney to see if I had an opportunity to keep the home. This ended up costing more money than what I had and finally ended up doing nothing for me as I was asked by my attorney to file chapter XXXX bankruptcy but this was dismissed from court in XX/XX/XXXX. During that same year my daughter and her husband separated and he moved out leaving us with less money to manage the household expenses. All I want is to have an opportunity to keep the home that we have fought so hard to get. My income along with my daughter 's and grandson should be able to manage a reasonable payment for us. We have seen that other people have applied and received assistance and at times they have worse situations than we do. I have attempted to talk to Central Mortgage Company to see if I 'm eligible for assistance and they only transfer me to other departments where I have to leave a message and no one except the collections department answers demanding that we pay what is owed. I really do n't know where else to turn. I was told to write to you but I fear it might be a little too late as they have my home scheduled for foreclosure sale on Friday XXXX XXXX XXXX at XXXX XXXX. I really do want to keep my home and a modification program or principal reduction program might be my only hope I have. Please help me at least get a fair chance to be reviewed for this.
11/30/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IN 460XX	Web
I am refinancing my home mortgage and experienced unfair business practices with my current mortgage servicing company - Arvest Central Mortgage Company ( " Arvest '' ) based in XXXX XXXX, Arkansas. Arvest received a wire payment ( ~ $ XXXX XXXX from the title company connected with the refinancing of my mortgage on XX/XX/2020 that covered the entire principal and accrued interest based on the amount Arvest provided in the payoff letter ; however, Arvest held the money and did not apply the payment to the loan. Arvest claims they have an internal policy to not apply loan payments if the escrow balance is negative. The escrow balance went negative in early XXXX but this was never communicated to the borrower. They do have the right to add to the debt balance with written notice but that was never provided. Instead of applying the payment received, Arvest continued to charge interest on the ~ $ XXXX outstanding principal for 5 additional days ( ~ {$140.00} ) until I would pay a new payoff amount ( {$200.00} additionally ) to cover the escrow shortage. XXXX XXXX as XXXX XXXX Specialist ( # XXXX ) and supervisor XXXX XXXX ( # XXXX ) as the Mortgage Servicing Supervisor both agreed this was unfair but were unable to credit the additional interest as they stated it was the internal policy of Arvest to not apply payments when a payoff was short due to an escrow shortfall. I find the lack of applying the payment when received to be an unfair business practice as they not only continued to charge interest to my account but also were able to earn interest on those funds that were held. We are being put in a negative position as the new loan will charge us interest at the time the funds were disbursed and result in being charged double interest for the 5 days Arvest refused to apply the wire payment to my loan. In order to get the existing loan released by Arvest, I paid the amount ( {$200.00} ) on XX/XX/2020 they demanded in order to release the loan and begin my new mortgage.
09/02/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 20814	Web
I recently refinanced an existing mortgage that was sold to XXXX XXXX. XXXX XXXX then placed this loan with the servicer, Arvest Central Mortgage. Arvest charges {$5.00} for each payment voluntarily made electronically online and {$10.00} over the phone by the customer in order to push customers to sign up for automatic debits from their checking account. This is quite high and unusual in my experience and different from what I had previously seen from other mortgage servicers ( XXXX XXXX, XXXX XXXX ). I don't understand why I should have to pay for such costs when I have no control over who my loan has been sold to and who services the loan. These were not disclosed to me at the time my loan was sold to XXXX XXXX. In any event, I signed up for automatic debit from my checking account. The first payment was due XX/XX/2020. I repeatedly checked for the payment throughout the day. It did not show any status update in their system. This morning, I checked my checking account and found that Arvest had debited my account twice - that is, they made the first two mortgage payments ( the second of which is not due for another month ). I received no notice of this nor authorized this second payment. I have contacted the company. However, in my many years of having dealt with other mortgage servicers, I have never seen a financial institution fail to have a system in place that could let you know the status of the loan, the status of the current payment and notice of what they intended to pay. Given I have no control over the automatic debits, I am now at their mercy to get this right. While I was able to cover the additional cost this time, I consider this abusive. Moreover, I imagine this could lead to significant overdraws or non-payment and fees from anyone that does not carry a significant cash balance in their checking account. From the comments I've read online on Arvest, this seems to be a consistent problem and hope that the CFPB will look into it.
11/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95687	Web	Older American
I consistenly monitor my credit reports from all three bureaus, and I am highly frustrated and disappointed with the information that Arvest is reporting to these bureaus. They main problem is every other month, Arvest says, " we are reporting your information accurately '', then I check with the bureaus ; XXXX as an example : shows that the account has been closed as of XX/XX/2018 or a month before. They also show no payment history from XX/XX/2018 back to the beginning of this loan. I have no payment history showing for any years previous to XX/XX/XXXX and XX/XX/2018. I have a problem with that because Arvest has collected my mortgage payment for years and they onlly show two months mortgage payment of 2018. The other sad thing is, I have filed several complaints with the CFPB and you all have just stood by idlely and allowed this company to continue to practice these deceitful practices. They should be held accountable!!! I have no words even for the purpose of filing this complaint. You constantly just forward the complaint and you don't get involved with the process legally. LOOK AT MY INDIVIDUAL CASE AND SEE HOW LONG THEY HAVE VIOLATED MY RIGHTS ( that CFPB is supposedly overseeing ). This is a joke There is clearly a problem with my mortgage company, their third party reporting agencies and the credit bureaus reporting my mortgage information accurately without closing my mortgage account every other month. Who does that? I make a payment and they close my account when they try to report it????? "? This has taken a toll on my credit score and report to where I am unable to procure, refinance my loan because the account is " CLOSED WITH NO HISTORY ''. I am desperately imporing that you take a closer look at my mortgage company, who they have reporting my payments or all 3 of the credit reporting bureaus and their third party reporting entities and how they procure/verify that information. I NEED INTERVENTION NOW!!!!!!!!!!!!!!!!!!!!!!!
03/03/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH 43147	Web
At the beginning of XXXX, I paid Arvest Mortgage {$200.00} to set up bi-weekly mortgage payments to be automatically withdrawn from my bank account. ( Apparently they charge for this service because they claim it is a " manual process. '' ) At this time, I signed paperwork agreeing to this payment schedule and they sent a document confirming the bi-weekly payments. At the beginning of this year, Arvest suddenly, without explanation or notification, stopped withdrawing my payments. I have spent no less than 20 hours on the phone ( most of it waiting on hold for extended periods of time ) to rectify this. I have spoken with countless people who claim that they have, or will resolve it, and that my payments will be resumed. Most recently I spoke with a representative named " XXXX '' who assured me that my payments would resume on Wednesday, XXXX XXXX XXXX It is now Friday, XX/XX/XXXX, and my most recent bi-weekly payment has yet do be withdrawn, as PER THE SIGNED PAPERWORK ( AND AS PER THE {$200.00} PAYMENT I MADE TO INITIATE THIS PAYMENT SCHEDULE. ) Since the first payment they failed to withdraw on XX/XX/XXXX, I have called multiple times a week, spent hours and hours on hold, spoken with more people than I can count, including supervisors, and no one seems to have any desire to do what they need to do on their end to ensure that Arvest lives up to its obligations, as per the agreement I signed ( AND THE XXXX XXXX DOLLAR FEE I PAID TO SET UP THIS PAYMENT ARRANGEMENT. ) This is not a situation of me not paying my mortgage- this is a situation of the bank REFUSING to abide by the payment arrangement and execute the automatic withdrawls as per our agreement. I should NOT have to waste 20+ hours of my life, chasing them down, begging them to restart payments, in order to ensure that MY LIFE AND CREDIT ARE NOT RUINED BECAUSE THEY WILL NOT DO THEIR JOB ( a job I PAID THEM {$200.00} TO DO! ) Bi-weekly payment arrangement confirmation document is attached.
12/10/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AR 72032	Web
I took out a New Conventional Home Loan Mortgage Originated & closed XX/XX/XXXX. First payment due XX/XX/XXXX. {$600.00} Paid on XX/XX/XXXX. Second payment due XX/XX/XXXX. {$600.00} Paid on XX/XX/XXXX. Insurance premium {$680.00} due XX/XX/XXXX, Insurance Company sent bill, but Bank Escrow Account didn't disburse payment until XX/XX/XXXX. It would have been late, but it has never arrived at the insurance company as of XX/XX/XXXX. I have received a NOTICE OF CANCELLATION FOR NON-PAYMENT OF INSURANCE PREMIUM on XX/XX/XXXX saying the cancellation will be effective XX/XX/XXXX if payment is not received. I called the bank and was on hold and tossed around to a couple of different people who would not/could not answer my questions. First, I wanted to know if the check they disbursed has cleared the bank for payment. Neither of the individuals I spoke with could/would tell me that. They said that inquiry has to go through their research department and that could take 5 to 10 business days. My homeowners insurance is going to be cancelled in 10 business days. There is NO time for that research department to conduct such a time-consuming inquiry. I have already received an Annual Escrow Account Statement on a loan that was originated two months ago. I don't think that is acceptable. The loan needs to be in place at least a year before I receive a statement of account. This analysis has already changed by loan payment and showing a shortage in escrow. Where is the money that the bank disbursed for my homeowners insurance premium? Why aren't they expediting a check to my insurance agent overnight? Why can't they tell me if the check has cleared the bank? Why is the money already OUT of my escrow account if it hasn't cleared the bank? I spent 50 minutes on a phone call to the bank and got absolutely no answers. This happened because the financial institution didn't update the payment mailing address to the homeowner 's insurance company.
10/04/2022	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	OK 74063	Web	Older American
We were supposed to close on a condo loan on Fri XX/XX/XXXX. We have been upfront with the mtg loan officer since the inception that we were buying AN 'AS IS " is home and as soon as we close we were going to do multiple projects starting with removing popcorn ceilings painting interior, redoing 2 baths and redo kitchen etc. Multiple problems arose with a structural report, lender making us fix numerous things before closing or escrowing additional money for it when we told him we were going to do this when we own the property. We were also personally disrespected with him saying XXXXYOU ASK TOO MANY QUES ' AND " I JUST TOLD YOU ''. We have been home owners since XXXX and since our retirement have gone minimalist route and now decided to get a humble condo with a {$56000.00} loan putting XXXX per cent down. We originally were told closing costs would be {$5000.00} and now its close to {$7000.00}. In addition they want extra ESCROW to put BANDAIDS ON the things were are going to renovate in toto. We told this loan officer this from the inception. We had been told by another realtor that this loan officer was not good and prevented another closing in the past and she did not care for him but by the time we found out we were in tons of paperwork. I dont want this to happen to anyone else. My husband and I feel discriminated on in many levels. XXXX XXXX, XXXX last name and condescending abusive language. We told his supervisor who said he would give him extra training but no one tried to expedite in a timely manner to keep our closing date. With the contract b eing broken by the lender we cancelled on this date XX/XX/XXXX and are requesting our {$500.00} deposit back. We were starting to get flack from the loan officer and were never aware of the structure report. I wonder if there are kickbacks here from not closing. We were also made to take a XXXX XXXX course with no explanation except it would save us a lot of money. Pls help.
12/24/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	OK 740XX	Web	Older American
my x wife was taking care of our finances and ran up credit cards in my name during our marriage. in which I did not know about. I ended up in court with law suits and wage garnishments. I ended up paying all off XX/XX/XXXX. the bank we banked at was one that held a credit card that I took to court to fight. I told the judge I did not sign anything and did not make the charges. sense I did not have an attorney due to they took all I had out of my account during court hearings and wage garnishments. I had no money to live on or for an attorney. I went for a week at a time with no food until I could sell things to get food. but I ended up still paiding off the credit cards as the court stated on time. I finally got the court to listen to me after several court hearings. the court awarded me a full refund plus damage charges for the bank to pay me. well I never have seen a penny of this settlement. but all stopped with anymore collection from the bank or credit card. now yesterday XX/XX/XXXX my work gets a call from someone stating they are a collection agency to collect the same depth from XX/XX/XXXX from the same bank and card. again they wanted my company to have me call them in the matter. I called this phone number and they told me I owed the money again on same mess as before. then they told me if I did not pay they would send some one to my work for me. I told them that is not legal and what they claimed I owe was settled in court in XX/XX/XXXX and to never call me or my company ever again. I got another call from them on my cell phone today XX/XX/XXXX with more threats. that if I did not settle with them then again they would confront me at my work. I tried to call them back again several more times with no answers. their phone number is XXXX after their way of messages and live calls I know they have to be a scammer. there is a whole lot more to tell but I will leave it for now with these people need to be stopped.
04/09/2015	Yes	Credit card	Billing disputes	OK XXXXX	Web
My wife & I purchased a 'travel club membership ' on our Visa after being told by the salesman that we could use it for our XXXX we take XXXX for XXXX work. Since my wife works for an airline I told him we did n't need it for our personal use but would be interested if we could use it for these trips. He assured us it could. As our documentation shows, we were given promises that did not materialize. So i began to call and complain, and demanding a refund and being told it was beyond the 3 days allowed by law - rudely at that - I finally took them to small claims court in XXXX, XXXX, and won a judgment. Since this company is a 'scam ' and knows how to work the system, they have multiple offices in XXXX , XXXX , and XXXX that i know of. Trying to get a physical address and trying to collect is nearly impossible. So I asked Visa to reverse the charges. I have my Visa through Arvest Bank, which uses Security Bankcard Center. Initially they reversed the charges ( Arvest did ) but then they called and said Visa will not reverse them since I had a judgment and might collect double payment so I needed to pursue through the courts. Per my attorney i was told to press Visa to reverse the charge. They refused saying it was past the 'statute of limitations ' of when the charge was made. The travel co. would n't refund and cancel because they said it was past the 3 days, yet it was during that first week I was trying to use their services before finding out the empty promises. They also complained to Visa saying I used the services. I tried getting quotes for airfare, rental cars, etc. and the only thing I could use was a rental car - and that did n't save me any money from what I could get elsewhere. A far cry from spending over XXXX for these 'special discounts. ' This travel company goes by " XXXX XXXX '', " XXXX '' or " XXXX '' - all of which have a lot of bad complaints online. I only which I had researched it before we bought!
08/11/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	AR 72032	Web
District Court of XXXX County XXXX, AR Judgement of unverified and disputed debt XXXX XXXX XXXX XXXX was filed by 2 judges signing an order to distribute funds without proof of debt, nor process server receipt of service, nor right to hearing or trial to prove/disprove alleged debt unverified, no documents filed by plantiff of any kind including answers by garnished, dispute of inaccurate info owing debt was ignored by all court parties and garnishee & objection to garnishment hearing was denied in order to object it, negotiate if necessary, challenge unverified judgement, & negotiating alleged 2 debts in the judgement was never an option. Nor consent given to garnish wages, nor any receipts of garnishments made paid to either of alleged debts as required by me to assign if they existed and they do not. Magistrate judge, city attorney, clerk 's, & other judges violated in using XXXX XXXX XXXX XXXX wire transfers to Michigan and deposited in Arkansas & 15 USC sect 1672. Wages exempt were garnished. Loss of information by denial and without filing required documents causes inability to use required materials to determine damages & loss of profits, proof of payments were made to either of the 2 fake debt accounts by XXXX required payment from Michigan to be made in XXXX county at their p.o. box address in XXXX XXXX, Arkansas. No direct deposit authorization was given. 8th amendment requires REVIEW before going through with garnishment. No right to counsel or appeal. Error of law & abuse of discretion by judges. Loss of rights to injunctions against any labor organization fees unlawfully deducted, unpaid minimum wages or overtime wages, unemployment insurance withheld by state and the federal cares act funds, forgery & FRAUD CHARGES existing, title III established of conspiracy satisfied, & stop of garnishments without any explanation or balance calculated from payments deducted by garnishment establish theft.
01/26/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	FL 33418	Web	Older American
Arvest Central Mortgage company put me in foreclosure during a period of unemployment due to the XXXX XXXX dissolving of the partnership. I was in a forbearance at the time that ended with payments starting after XXXX. When i called to start the process they told me that I couldn't pay and they would not let me and I asked on XX/XX/XXXX for a six month repayment. I was verbally approved. I asked to do a one year instead of the six month and was told to submit the paperwork which I did immediately. On XXXX XXXX, XXXX they filed a forclosure action. I spoke with the attorney and told they that a hardship was in process prior to the action being filed but they did it anyway. Many other events happened where they approved me then denied then approved then denied and utlimately approved for a repayment plan with a monthly payment of {$3800.00} instead of the {$1600.00}. This should have been resolved prior for lesser payments and without the excessive charges by the attorney and i was charged double fees. Once on the payment plan and they on the closing documents and Arvest central mortgage refuses to refund the excessive fees and charges. Then reported me to the credit agencies in XX/XX/XXXX as in foreclosure on an account that was paid in full on XX/XX/XXXX. No one will help me or even answer my questions. The attorney charged me for a hearing that was moot due to resolution which she didn't even know about and I had to tell her and send her the repayment plan because she didn't even know about it. Arvest Central Mortgage made many many mistakes and refuses to acknowledge or fix the situation. They knew or should of known of their wrongdoing but hey do not care and they lie about your account with them and with what they tell you.. it is always different. Plus they said they would do anything to help yet they didn't. This also caused me not to be able to get a car because they ruined my credit score with false reporting.
01/03/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 85022	Web
Arvest Mortgage went through a merger. ARVEST IS STATING NO PAYMENT RECEIVED FOR 2 MONTHS BECAUSE THEIR SYSTEMS AREN'T REPORTING CORRECTLY AND WE ARE BEING FINED AND AT RISK OF BAD CREDIT REPORTING BECAUSE OF THEIR SYSTEMS -- WHEN WE PAID ON TIME. THEY ARE GOING TO RUIN PEOPLE 'S CREDIT. I got a letter in XXXX about the merger and changed the payee address in my banking institution portal XXXX XXXX XXXX XXXXXXXX ) immediately as advised by the letter ( and the rep when I called to confirm ). Without word to me, the account had been logging a failure to pay for 2 months without notifying me but when I log into my XXXX account -- it's paid for the last 2 months at the payment addressed advised in the recent letter. When I log into my Arvest account I can see payments attributed for the past 2 months, but there's also some weird late fees added even though my payments were not late. I got a letter today advising me of the unpaid status of my account, checked my XXXX payments ( both cleared ) and the Arvest portal payments posted ) but when I call the Arvest # to talk to a rep there's a message telling us there's a payment problem and the letter says call them and use an extension but I recorded 3 times calling them and it sounds like it connects but then hangs up. Three times. I have 3 recordings. XXXX extension XXXX. WHEN I LOG IN I SEE ALL OF MY PAYMENTS MADE ON TIME but still got the letter. XXXX shows my on time payments ( I have autopay set up ). WE CAN'T REACH THEM. THEY WON'T TALK TO US. Also, the entire month of XXXX is MISSING from their online portal. I have a printout. Also, look at the image I attached. Two payments made the last 2 months for more than the amt due, received 1-2 days before the due date, but when I select all activity since XX/XX/2022 I only get from XX/XX/2022 and can't scroll down further and there's no additional page, and there are fines assessed even though my payment isn't late.
04/12/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	AR 72601	Web	Servicemember
I made half of my car loan with my bank who is also the leinholder over the phone with an Arvest employee on XX/XX/XXXX and that payment is showing on my bank account as being withdrawn from my checking account and then on XX/XX/XXXX which was on a Saturday I paid the rest in the amount of XXXX I checked my account online on that following Tuesday and it had not cleared my account yet so I called that same day and asked about it and they told me to call or check my bank account in two more days and it was not taken out yet. So I called again and they said that the money was taken out and then put back into my account so I opened my Arvest app while on the phone with a customer service representative and looked and I told them there was not anything showing in my account that the money was ever withdrawn or added back to my account I have called and went into a local branch for the past three weeks and have accomplished nothing on where the money went I was then told that the XX/XX/XXXX payment was made and then reversed which again there was nothing showing that and all it shows is where the money was taken out the bank keeps telling me I need to make the payment again and that I should have asked the Arvest employee to repeat the account number to me and that I am responsible for the money I have made the car payments over the phone with a parson for the last seven months and I pay over the phone so that the money comes out right away because I hate sending checks because you have to wait around for them to clear your account I am getting no where with this problem I have never had a problem with it until now and I asked if they could see who took my payment and they wont go into that conversation with me I always pay all of my bills and I do not have time to waste time on the phone with any company over a bill that I know I have paid my phone number is XXXX XXXX XXXX I need help with handling this problem
08/31/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	MO 647XX	Web
I applied for a Small Business Administration XXXX loan with Arvest Bank last year for my VA Certified Service XXXX Veteran Owned Small Business- National Veterans Service Bureau , we were denied. I again filed for a loan XX/XX/XXXX we were denied again after getting XXXX worth of Student Loans removed for XXXX student loan discharge. We asked for a review when I was able to remove XXXX out of XXXX collections items from my credit report. Again we were denied. I filed a complaint with the SBA OIG, we are awaiting the result of complaint to have Arvest removed from the SBA Lender List for racial and XXXX discrimination because on the last loan denial they said I had no income while I deposit XXXX a year in Payroll deposits and VA XXXX Pay. It has been one lie or reason after another. The reason I am filing this complaint is that now I have begun recieving retaliation in the form of deposits being held back, debit card transactions being held then posted when funds are low, I have over draft protection and they are sending checks back even when I call them and ask is there a transaction posting today they say no then put a transaction and returned the check, and I had called them asking them to call me or pay the check. They held transactions for over 7 days then put XXXX or XXXX transactions on the account at one time, putting me over the over draft limit, but again I tried to work with them by calling them. Fyi the Head of the Missouri Arvest Bank XXXX XXXX has been in communications with me, I also contacted their corporate office in XXXX Ark. I told them if the retaliatory transactions continued I would be filing a complaint with your office. I have also filed complaints with non us government companies about the racial and XXXX discrimination see the following link for more information. XXXX I do not want another XXXX veteran firm to be treated this way thank you for your help
04/02/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL XXXXX	Web
The lender took escrow at closing this is aXX/XX/XXXX backed loan. The lender has never paid the property taxes on parcel number 2, they failed to pay the insurance also. Although they took the money at closing XXXX. I have paid the property taxes for XXXX and XXXX. The lender places forced insurance and now they refuse to fix the leak. It's a mess the home is also now in foreclosure, XXXX XXXX failed to pay the mortgage, when I found out I immediately called the bank made a payment told them I would make monthly payments and to get them caught up. They accepted 2 months on the 3rd payments I made a larger payment and it was rejected, they told me all of the past due or nothing. They sent that payment back. Within 3 weeks they filed foreclosure, I have never been served the lawyers refuse to speak to me because I'm only on the deed. Averst central mortgage company refuses on multiple occasions to speak to me although they have permission. They claim I have an attorney i do not. I made them aware of the taxes and insurance they claim to only have a lien on one parcel. I called the clerk of court and they confirmed there is a lien on both. So again I have attempted to work with everyone involved getting no where fast. I do not want to lose the home. I have a lis pending against me so no lender will loan me on the other land that own. Otherwise I would take a mortgage and pay it up to date. XXXX is XXXX and not in sound mind. Her attorney has convinced her that if she signs deed in lou of the keys she won't have a default judgment. There are 3 names on the deed no one is getting me to sign that. That attorney had since lost her bar licenses. Please help. XXXX the 2nd parcel holds the water wells for the entire 10 acres and supplies water to another home on site he is XXXX and the wife has a XXXX XXXX as well as the daughter has XXXX.
04/26/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 605XX	Web
On XX/XX/2022, I reviewed my mortgage statement for the principal balance outstanding, and the interest due for XX/XX/XXXX. I had sufficient funds to payoff the loan, so after reviewing my monthly statement, I wrote the check out for that total balance, and mailed it to the address on the statement for additional payments. I received a call on XX/XX/2022 telling me that because it was a payoff, it had to be certified funds. After talking with the customer service rep, she said the payment could be put through, and then any balance I could take care of the next day. I checked the system on XX/XX/XXXX, and saw the loan had not had the payment applied. I called and was told that they couldn't accept the payment because it wasn't certified funds, and I hadn't requested a payoff letter. I asked where on my monthly statement was the direction that I had to request a payoff letter, and then needed certified funds ( either cashier 's check, money order or wire ) in order to pay the loan off. I was told that they would be return my check to me, and I would need to get them the funds by XX/XX/XXXX, or the payoff would be a higher dollar amount since I would have missed the XX/XX/XXXX cut off. I am extremely frustrated, as this information should be included on the monthly statement, as mortgage loans are out there for several years, and since they are typically sold after closing, different servicers can have different requirements for paying off the loan. It was very frustrating as I have sent other checks for amounts in excess of my payoff check, and never had any issues, or were required to have those funds be certified. In order to get this loan paid off timely, I had to incur a wire fee to get the funds over to the servicer. I tried to discuss this with the servicer, but was told that was their process, and there was no other option.
02/13/2019	Yes	Checking or savings account Checking account	Managing an account Banking errors	OK 743XX	Web
I called Arvest Bank on XX/XX/XXXX via their call center to change my checking account product ( from a fee account to a free account ), the woman on the phone completed the task, and we hung up the phone. XX/XX/XXXX I received a hand written envelope addressed to me, it contained a cover letter with my name and account number explaining the change to my account and under that cover letter three copies of another customers opening account documents. I now had this customers name, address, phone number, account number, birthday, social, DL #, and all information regarding her balance at the time of opening, where the account was opened etc. I called the customer service line explaining I was upset thinking someone else got my social like I got this persons. I filed a formal complaint, and spoke with a manager. The only resolution she could offer me was to close my account and reopen a new one. Please note I have received someone elses account number, name, and social via drive thru about two months ago while I was paying my house payment. I also filed a complaint at that time but am unaware of any resolution. After the mailing incident yesterday, I requested since my information could be compromised due to the bank negligence that they pay for a minimum of a year of credit monitoring for my husband and myself ( who is also on the account ), notify the other customer and also do the same. As of yesterday, the next manager I spoke with was unable to fulfill my request because he didnt have formal approval. He couldnt pin point who printed or mailed those forms in error, and also couldnt guarantee if my information had been sent out or not. My complaints about customer information not being kept private is doing nothing. In two months I have received two other customers information, and Arvest seems less than concerned.
08/10/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	OK 74115	Web
An unauthorized withdrawal of {$1200.00} was taken out of my account on XX/XX/XXXX ( see exhibit A. ) without my permission through Arvest Bank. On Friday XX/XX/XXXX I went to Arvest Branch # XXXX XXXX & XXXX, XXXX Oklahoma XXXX to resolve the matter, was told by an employee that another Arvest employee must've input a wrong number and that the money would be back in my acct. by Monday XX/XX/XXXX, she wrote up a complaint I signed it and was given a copy ( see exhibit B. ). On XX/XX/XXXX. I received mail from Arvest stating that an adjustment has been made to my account balance and that they became aware of an error involving my account on XX/XX/XXXX, and that they were decreasing my acct. by {$1200.00} ( see exhibit C. ). being that I just opened this specific account on XX/XX/XXXX ( see exhibit D. ), I knew that the mailed statement was false. On XX/XX/XXXX I went into the XXXX XXXX & XXXX XXXX, XXXX, Oklahoma XXXX, with the mailed statement asking for the proof of this withdrawal " XXXX XXXX '' said her mgr. was not in the bank and she called out for help and was inquiring about the situation and neither of the 2 were able to find anything. After searching for a little " XXXX XXXX '' explained to the lady on the phone that she had located the discussed transaction and began speaking to me again, I asked for a copy of this information and she was like sure, she came back with a copy of a transaction log summary list, with this copy there was a list of other customers information ( 11 ) customers to be exact all in a row each with {$1200.00} transaction amts. showing on all ( 11 ) individual accts. She explained that only the highlighted row was pertinent to my acct. I disagree with the statement reasoning with the fact that I never authorized this transaction.
05/15/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	OK 74115	Web
An unauthorized withdrawal of {$1200.00} was taken out of my account on XX/XX/XXXX ( see exhibit A. ) without my permission through Arvest Bank. On Friday XX/XX/XXXX I went to Arvest Branch # XXXX XXXX XXXX XXXX, XXXX Oklahoma XXXX to resolve the matter, was told by an employee that another Arvest employee must've input a wrong number and that the money would be back in my acct. by Monday XX/XX/XXXX, she wrote up a complaint I signed it and was given a copy ( see exhibit B. ). On XX/XX/XXXX. I received mail from Arvest stating that an adjustment has been made to my account balance and that they became aware of an error involving my account on XX/XX/XXXX, and that they were decreasing my acct. by {$1200.00} ( see exhibit C. ). being that I just opened this specific account on XX/XX/XXXX ( see exhibit D. ), I knew that the mailed statement was false. On XX/XX/XXXX I went into the XXXX XXXX XXXX XXXX XXXX, XXXX, Oklahoma XXXX, with the mailed statement asking for the proof of this withdrawal " XXXX XXXX '' said her mgr. was not in the bank and she called out for help and was inquiring about the situation and neither of the 2 were able to find anything. After searching for a little " XXXX XXXX '' explained to the lady on the phone that she had located the discussed transaction and began speaking to me again, I asked for a copy of this information and she was like sure, she came back with a copy of a transaction log summary list, with this copy there was a list of other customers information ( 11 ) customers to be exact all in a row each with {$1200.00} transaction amts. showing on all ( 11 ) individual accts. She explained that only the highlighted row was pertinent to my acct. I disagree with the statement reasoning. I never authorized this transaction.
01/19/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	AR 72118	Web
On XX/XX/XXXX, Arvest bank headquartered in XXXX XXXX allowed the illegal seizure of my property to a business and did not follow due process safe guards of my property. Arvest bank did not inform me with the legal documents that gave them authority to seizure my assets. There was no warrant in place from a court of proper jurisdiction that has been signed by a judge and sealed by the clerk of the courts. I asked repeatedly for the documentation and they can not provide the legal documentation. The XXXX of the department refused to communicate with me on this matter. THE WAGES OF EVERY EMPLOYEE IS THEIR PROPERTY PROTECTED BY THE 4TH AMENDMENT THIS IS AN UNDISPUTED FACT AND ANY LAW IN VIOLATION OF THIS FACT IS UNCONSTITUTIONAL AND WILL NEVER HOLD UP IN COURT FOR LOWER COURT DECISIONS MUST BE IN ACCORDANCE WITH THE SUPREME COURT OF THE UNITED STATES [ Coppage v. Kansas, 236 U.S. 1 ( 1915 ) ] IT IS PROHIBITED UNDER DUE PROCESS OF LAW AND EQUAL PROTECTION OF LAW UNDER THE 4TH AND 5TH AMENDMENTS FOR AN BANK TO ACCEPT INCOME OR WAGE GARNISHMENTS AS WARRANTS SENT BY A COMMERCIAL DEBT COLLECTOR CHILD SUPPORT ENFORCMENT AGENCY THAT IS NOT AUTHORIZED TO ISSUE WARRANTS. A WARRANT MUST ORIGINATE FROM A COURT OF COMPETENT JURISDICTION WITHIN THE JUDICIARY BRANCH OF GOVERNMENT AND NOT FROM A STATE OR GOVERNMENT AGENCY WITHIN EXECUTIVE BRANCH OF GOVERNMENT WHICH IS A CLEAR VIOLATION OF THE SEPARATION OF POWERS DOCTRINE WHEREBY THE ALLEGED GARNISHMENT ORDERS ARE INCOMPLETE WRITTEN INSTRUMENTS OR FORGERIES AND CAN NOT UNDER ANY CIRCUMSTANCES DEPRIVE EMPLOYEE A MAN ; A LIVING AND BREATHING SOUL, A CREATION WITH ENDOWED RIGHTS FROM HIS CREATOR : AN AMERICAN XXXX XXXX XXXX INALIENABLE RIGHTS TO PROPERTY AS PROTECTED BY THE UNITED STATES CONSTITUTION BILL OF RIGHTS
08/23/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CT 06516	Web
I'm current with my mortgage and have no late payments. XX/XX/22 Received pay off quote from Arvest Central Mortgage Company for {$9400.00} Using same electronic payment method as always I submitted payment for the full amount. XX/XX/22 Electronic payment " In Processing '' date. XXXX contact me by phone to say that the payment method is now unacceptable. I'm informed that they are going to " kick '' the electronic transfer back. If I want to make the payment I am required to use a wire transfer or certified bank check. XX/XX/22 Instead of the payment being " kicked '' by XXXX, it is accepted. I contacted XXXX with my XXXX XXXX XXXX customer service rep on the phone. XXXX customer service rep says they're very sorry and the money should be in my account today. They already kicked the transfer and it must be a problem on XXXX XXXX XXXXXXXX XXXX end. They don't know what's wrong. The worst case scenario is that it will be back on my account on Monday. XX/XX/22 Contacted XXXX and inform them that I still didn't have the money in my account and that they never actually kicked the electronic transfer. They accepted the payment but refuse to credit my account. I'm assured by their customer service representative that the full amount will be in my bank account by the end of business. XX/XX/22 My bank account shows the payment to XXXX as closed. I am still out my full pay off amount for the mortgage, but my account with XXXX has not been credited. Conclusion : 1. I'm current with my mortgage and have no late or missed payments. 2. I paid the full pay off amount of my mortgage. 3. The payment was accepted by XXXX. 4. XXXX is refusing to credit my account, while saying they're going to refund me but have not. Please help. Thank you
02/28/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 985XX	Web
arvast central mortgage company resent a payment several months ago for not having enough in the account but when i spoke to the bank they showed there was more then enough money in the account. ever since then i have to call since they would allow me to set up an online account and whenever i try to pay they always take several days to actually call back over a payment when i call there line another department answers and says no one is available and this happens for the past five months now. to even get to pay they wouldnt let my grandma pay due to her demtentia and not being able to remember her info for the account but wouldnt let me pay either. they requested i send power of attorney to an email which i did was requested and was told to wait like two weeks for it to be added never got a call back. so when i did call back i asked whats going on and they said they never heard of that email i sent it to and gave me another one so i sent it again and was told to wait. never heard back again so i called and was told this time they dont take that through email and had to mail the letter. I seen where this was going so i sent it certified mail and seen that they got it waited a week to call and guess what they said they never got it. I let them know very well there company had the file and had evidence to prove it and if i didnt get it added since they were going to forclose on the house i said well i think im going to have to contact a lawyer and the last thing i sent was proof of tracking and that they did have it and that was it and then somehow they found it pretty fast and was added to the account to take a payment just seems a little odd that i had too say i was getting a lawyer and then they happen to find it pretty fast.
02/07/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 80209	Web
- I received a CARES Act deferral offer from XXXX Arvest Central Mortgage Co., dated XX/XX/XXXX. I Accepted the offer by signing and mailing it to XXXX on XX/XX/XXXX. - Thereafter, I received a Mortgage Statement from XXXX dated XX/XX/XXXX. Under " Explanation of Amount Due '', it showed a " Regular Monthly Payment '' of {$2400.00}, which I paid by mailing a check to XXXX on XX/XX/XXXX. - The Mortgage Statement also said, " You have agreed to a Trial Modification ; please continue to make payments according to the schedule you were provided '' ; but I had not yet received any notice regarding trial modification. - Thereafter, I received another letter from XXXX dated XX/XX/XXXX. It stated, ( i ) " You are approved for a Trial Plan to Modify Your Mortgage Payment '' ; ( ii ) " Send your first trial period plan payment of {$1300.00} to accept this offer '' ; and ( iii ) " if you submit your first trial period plan payment by XX/XX/XXXX, follow this schedule for your second and third trial period plan payments. '' - On XX/XX/XXXX, I sent the first trial period payment to XXXX and on XX/XX/XXXX I sent the second trial period payment to XXXX - On XX/XX/XXXX, I received a call from XXXX confirming ( i ) that the XXXX checks had been received, ( ii ) that the funds received had not been applied and ( iii ) she did not know why the funds had not been applied but ( iv ) she would transfer me to someone to address the problem. - After a long hold, the agent told me that no one was available, but someone would contact me. I told her it that it was difficult for me to receive calls due to my work, so XXXX should mail or email me stating how the problem would be resolved. It has now been over a month and I have not heard from XXXX.
08/25/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 94546	Web	Older American
In XX/XX/XXXX I received a Chapter XXXX discharge of all my debts, and in XX/XX/XXXX, Central Morgage Company XXXX, a mortgage servicer, gave me a mortgage modification agreement in which they created an escrow account to pay all my taxes and insurance as is customary. In XXXX of this year, the tax collector XXXX came to my door with a letter saying I had 30 days to pay off over $! XXXX in back property taxes with penalties and interest for the tax year XXXX. Perhaps I thought the taxes had been discharged in the bankruptcy or that Central mortgage had included them in the escrow because I did not pay thoses taxes, nor did the XXXX XXXX tax Collector inform me that this debt was accruing. It turns out that in small print of their annual tax statement, there is a small note, amost too small to notice, that back taxes were outstanding. the terms they offered for paying these taxes were unreasonably harsh, so I submitted this bill to Central Mortgage which they forthwith paid in full to protect their own interest in the property. Now they want me to repay this tax bill at the rate of {$1100.00} per month on top of my {$2600.00} a month mortagage payment for a total of {$3700.00} per month. I told them that I could not afford this payment and asked them to either remodify my mortgage or to spread the tax bill out over a longer period of time to make my payment more reasonable. They took over a month to ponder my request and have just refused to take any steps to make myi payment more reasonable. I find this to be very unreasonable and woud like help in resolving this matter more to my favor lest I lose my home. Also, I would like to know if I have any legal recourse with resepect to this usorious and totally outrageous tax bill.
05/02/2019	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	OK 74021	Web	Servicemember
I have tried since XXXX to close my savings account and Arvest Bank keeps charging and refunding XXXX service fee without closing my account. I do not understand. IT is at a XXXX balance now, ask to close it and still have it open????? Then I wanted to close my checking account because of excessive over draft fees being charged, some I was responsible but some I was not, my direct deposits were being credited after there charges for the same day as my deposit went in. Finally, just wanted to close, got tired of fighting with them. I withdrew all of my money on XXXX leaving enough to cover insurance payment coming out. Withdrew XXXX leaving XXXX which would have taken me to zero balance. On XXXX the insurance payment came through, I assumed they would close my account. On XX/XX/XXXX a XXXX charge from XXXX came through. I was charged XXXX over draft fee on XX/XX/XXXX. I disputed this charge and was refunded XXXX????? bringing my balance down from XXXX to XXXX. I have repeatedly disputed this charge. First old I made it in XXXX XXXX, which I live and work in XXXX OK was not in XXXX nor did I go to XXXX, then I was told I used my card in a XXXX XXXX, no I did not. I was told to " prove it ''. I am not paying this. It has become ridiculous and frustrating. Every time I call I get a different person with a different answer or excuse if you will. Can anyone please assist me in this matter? I feel they need to be investigated for excessive over draft fees they charge as well as these unauthorized charges not made by the customer. I assure you through this ordeal I have learned of several others who have had similar and worse issues. THANK YOU IN ADVANCE for any assistance you can give. I just want to close my account.
12/09/2021	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	MO 648XX	Web
XX/XX/2021- Received a promotional card offering {$150.00} bonus to open an account with Arvest Bank. My dad has an account at Arvest, and I thought this new account would make our monthly business easier. The one internal recurring ACH to my dad 's account will cover the bonus account activity requirements for the promotion, it said. I opened the account, and set about using Arvest 's online banking feature to setup the recurring ACH 's from my local bank account to my new Arvest account, and also the subsequent transfer to dad. I tried to be mindful of the transaction dates, knowing that my local bank 's system still relies on paper instructions to a certain extent. Late XXXX, 2021 - because the scheduled date of my recurring Arvest transfer fell on an upcoming weekend, I inquired as to when the bank would process it. I was told XX/XX/XXXX, the following Monday. What has happened over the last 39 days can not be documented in this text box. XX/XX/2021 - after closing my account and removing all visibility to it ; after a full month of threatening notices, being treated like a criminal, and a refusal from over a dozen Arvest Bank employees to discuss the matter with me, and finally, after almost calling an XXXX during a XXXX XXXX because of my XXXX for which I receive XXXX XXXXXXXX payments, Arvest Bank took another {$1200.00} out of my local bank account. And this week, I have watched my account dwindle down because of the automatic payments for utilities, etc. are posting. Yesterday, my balance in the local account was {$3.00}. Today I am over-drawn. I was told yesterday by Arvest that my money would be returned this week. I don't know what else to do. Thank you in advance. XXXX XXXX
04/27/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	OK 73020	Web	Older American
On XX/XX/23 i deposited through drive through a {$2100.00} loan check ( drawn on this bank ) to my checking XXXX because they do not have deposit slips and gave my drivers license with the check as instructed when account was opened to identify which acct. I then swiped my card for emer dental work and it was declined because of nsf. I called the bank and got the call center who after 30 minutes informed me that it had been deposited to wrong acct. I asked them to please fix it so that I could have my dental work done, they said they could not. I went to the branch and asked for the Manager who came out and was going to discuss my issue in the middle of lobby. He showed me to an office after my request. I then explained my delimma and asked that he fix it. he replied he could not it would take me filing a dispute and 7-10 days. I would not file a dispute because it is my understanding that a dispute is for a fraudelent claim. Afterwards he said he could help me by putting a memo post to my account to release {$200.00} of the XXXX and that the remainder should be in my account by morning. He made the memo post which i saw immediately but disappeard befor XXXX and when straight back to wrong acct.went to XXXX XXXX acct # XXXX who is my husband I have not lived for in 7 years. I do however take care of all his financial and medical business. So I transferred the money to my account on the XXXX. So now it reflects on his account that the transfer for {$2100.00} to my account was successful. But it was not a transfer it was a bank error and that is how it should reflect not like I made an illegal transfer he did not authorize. I want it corrected and I want that branch doing things right.
08/27/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AL 35242	Web
My loan was sold to Arvest Central Mortgage Company from being originated with XXXX. XXXX booked and serviced the loan for approximately 3 years before selling to Arvest. Since I have no control over the servicer of the loan, I have no control over rejecting this change. The new servicer Arvest charges fees which were not originally disclosed to me when I agreed on my loan. Arvest charges a fee to make an online payment, a fee if a billpay is sent in from my bank ( since it will not have a payment coupon ), and the latest I've been made aware of, a fee for requesting a payoff letter. I am currently refinancing my loan to get away from this company and I'm hit with a {$15.00} fee for the payoff letter required. So, not only am I told I have to pay a fee to pay my loan unless I choose to setup autodraft I have to pay a fee for the mortgage company to get the payoff quote to pay off the loan. I explained to customer service autodraft is not an acceptable solution to avoid a payment fee. When an autodraft is set it will come out the first of every month but I may get paid on the XXXX of the month depending on how the weeks work out. If I wait to the autodraft then I would be paying 11 days of interest accrual in order to avoid the make a payment fee so that unfairly penalizes me in either situation ; this does not seem lawful in any way. Further, Arvest charged my account {$15.00} for the payoff letter but did not first have my permission. As I explained to Arvest, they should have called me and said, this information has been requested and we charge a {$15.00} fee to fax the request, do we have your permission? I would have said no, I will take the free alternative.
01/02/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 919XX	Web
I am currently trying to open a credit line on my property with XXXX XXXX XXXX. I paid Off my mortgage XX/XX/2019 with Arvest Central Mortgage. I am locked in the process with XXXX XXXX XXXX because there is a A issue with the title. I seems Arvest took over the loan from XXXX XXXX XXXX XXXX and they have never released their lien. This is causing me Financial hardship since this credit line is to pay for probate for my father estate in XXXX XXXX. I have paid this loan off over four months ago and feel this is unacceptable to not have clear title by now. I have called .and been given the wrong forms from Arvest and currently been waiting for a week for a call back while they do their research. How can a company not have their documentation in order and release my title in a timely manner? This has to be illegal at the very least unethical either way it is costing me time and money while I wait.. I am sure this is just a larger issue waiting to appear once those loans come do they obviously do not have their documentation in order FRom XXXX XXXX XXXX The document you sent in is an assignment of mortgage showing your mortgage was transferred to XXXX XXXX which was taken over by XXXX XXXX. Whoever had your mortgage at the time the mortgage balance was satisfied, would then have the release. The release would then be mailed to you and then it has to be taken down to the county and recorded. We need a copy of the recorded lien release from the bank that had your loan when it as satisfied which could possibly be like I mentioned above with XXXX XXXX. We do not have the release. Please let me know if you have any questions. Thank you in advance.
05/26/2023	Yes	Checking or savings account Checking account	Managing an account Banking errors	OK 741XX	Web
Arvest Bank has failed to honor their Get XXXX bank bonus program even when I have successfully met the qualifying criteria each month to get the bonus. The bonus promo reads as follows ( my comments are in the square brackets for each criteria )... Once your account is opened, you will be eligible to earn up to three {$50.00} bonuses. Simply complete these steps during each statement cycle : - Open a personal checking account with the required minimum deposit [ YES I opened on XX/XX/2023 with {$50.00} opening deposit ] ; AND - Set up a qualifying direct deposit OR automatic payment OR recurring debit card transaction [ YES I setup a recurring debit card transaction that is sourced from XXXX in the amount of {$1.00} each that posted to my account automatically on XX/XX/2023 and XX/XX/2023 ; I also setup another recurring debit card transaction thru XXXX in the amount of {$0.00} each that posted to my account automatically on XX/XX/2023 and XX/XX/2023 ] on your account ; AND - Make eight ( 8 ) purchases with your debit card [ YES I made XXXX purchases on XXXX in the amount of {$1.00} each on XX/XX/2023 and another set of XXXX identical purchases on XX/XX/2023 ] Each {$50.00} bonus will be credited to your new personal checking account if all requirements are met by the end of your monthly statement cycle. To make it even easier, you have up to six statement cycles to earn the full {$150.00}. You must open your new account by XX/XX/2023 to be eligible for this exclusive offer. [ YES account was opened on XX/XX/2023 ] [ I have received none of the three {$50.00} bonus payments that I successfully qualified for to receive ]
09/01/2018	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	OK 744XX	Web
I went to cash a check at Arvest Bank. The teller asked me to open an account. He had me go to an office to answer questions I had before opening the account. Of most importance if SSI deposits were available to customers as quick as XXXX or XXXX XXXX XXXX. He assured me they were, and said at latest Arvest may post one day later. On XX/XX/XXXX XXXX XXXX XXXX and XXXX made available to their accounts the money from SSI. When I did not receive mine by XX/XX/XXXX I called Arvest and asked why not yet, and I was informed Arvest wont post SSI until XX/XX/XXXX. I explained that is not what the guy at the bank told me when I opened my account. I explained my water would be shut off, I would hhave to go without water til the money post, and I am a full-time single dad, thats not easy to go without water. In addition I would also have to pay the disconnect and reconnect fees. When I spoke to members at the bank I was told by two tellers that informed me they are pushed to get as many people as possible to sign up for accounts. I feel the teller who signed me up for the account was pressured to get me to sign up and was going to say what I needed to hear to make it happen. When I spoke with the branch manager she assured me they don't have quota for tellers but wouldn't comment if they are pressured or asked to get everyone to sign up. I would of never been without water for 3 days if it wasn't for the pressure put on the teller or the deceitful tactics to get me to sign up. This cost me the disconnect fee and reconnect fee. Their should not be pressure for tellers to sign up accounts and tellers should not be deceitful.
10/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60647	Web
I had a home loan with XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, for which I obtained a Forbearance Plan under the CARES act in XXXX. The loan was sold to Arvest Central Mortgage Company in XXXX. I received a bill from Arvest stating that the account was overdue, and I called and confirmed that the loan was still subject to forbearance, and they told me to disregard any delinquency notes on my bill since the account was in forbearance ( the latter of which it also clearly stated on my monthly bill ). Before the end of the forbearance, I signed a deferral agreement with Arvest in XXXX, and a few days later on XX/XX/12 the loan was paid off in full. In XXXX, Arvest reported the loan as delinquent with the credit reporting agencies, including XXXX, XXXX and XXXX. I contacted Arvest and they assured me it would be immediately corrected and that the account would be reported as paid off. It appeared as corrected on XXXX on XX/XX/XXXX. On XX/XX/XXXX, Arvest again reported to XXXX that the account was delinquent, despite that it was paid in full in XXXX, and despite that I received a payoff letter and Satisfaction of Mortgage from Arvest ; and up until the date of payoff I was under forbearance under the CARE Act. This has materially adversely affected by otherwise stellar credit score, and I am not able to get Arvest to effectively correct this issue with all credit agencies. This came after having trouble for days with having great difficulty obtaining a payoff letter from this lender during the sale of the property. I need help getting this lender to give attention to this matter please. Thank you in advance.
12/01/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AR 72758	Web
Arvest Bank Mortgage Division merged with its parent company, Arvest Bank, on XX/XX/XXXX. Despite promising no change in the servicing of mortgages ( letter dated XX/XX/XXXX ) the company proved incapable of mailing out statements or processing payments in a timely fashion so that payments could be made by the due date. I called the company to find out my status on XX/XX/XXXX, and was informed that statements had been mailed out on the XXXX. I called again today, XX/XX/XXXX, the due date for payments, and was informed " don't worry, you have two more weeks to make a payment ''. I was not given any date to expect a statement. The person I spoke to refused to identify herself or her supervisor. She refused to send an email giving me this information in writing. She told me if I emailed Arvest Customer Care that " maybe '' I could get a written confirmation of this information. She also told me that I could make a payment over the phone, but only by providing permission for Arvest to deduct directly from my bank account, which I refused to do, since they have proven themselves demonstrably incapable of professional management. I could also make an in person payment to the bank, but that would involve taking time off work, and she could not assure me when this payment would be applied to my account. I do not understand why a mortgage company, to which I had made on-time payments for almost six years in a frictionless fashion, is suddenly incapable of its ONE JOB because it merged with its own parent company! Nor do I understand this lack of transparency or willingness to provide information in writing.
12/08/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	ID 836XX	Web
My taxes and Insurance are impounded this is the second year in a row since my loan was sold to Arvest Central Mortgage XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Arkansas XXXX ( XXXX ) XXXX that my insurance was not paid on time by XX/XX/XXXX and I received a Expiration letter from my insurance company XXXX XXXX XXXX XXXX XXXX Ca . XXXX ( XXXX XXXX XXXX dated XX/XX/XXXX. When I received the letter I called to make sure the payment had not crossed in the mail, todays date XX/XX/XXXX. In fact the payment has still not been made, called Arvest their automated service said the pay was mailed out on XX/XX/XXXX when I got a live operator XXXX he stated the payment was made on XX/XX/XXXX, he advised that they have a 30 day grace period to make that payment, XXXX stated they have 14 days from the due date. I am in the process of submitting documentation for a loan they requested Homeowners declaration which will show as expired causing problems with processing my loan. Kindly advise the process and time frames for normal escrow impounds to be paid I have never had this issue with any other company for 30 years of being a homeowner. I would love it if Arvest would sell my loan as I have complained about how they accept payments in the past. That was not resolved they stated they did not have to accept partial pays on the acct and I had signed for that, when I pulled the copy of what I signed it reads they " do not have to accept partial pays on delinquent accounts '' MY ACCT. IS NOT DELINQUENT, IT IS CURRENT therefore I do n't see that applying to my situation of me wanting to make the pays as my money comes in.
11/24/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	SC 29212	Web	Older American, Servicemember
Loss of points " XXXX '' collected by my Arvest credit card purchases. Prior to leaving XXXX in XXXX XXXX or XXXX, XXXX I went to change my home address on my Arvest Bank accounts. At the time I spoke with the Bank Manager I was told that I had accumulated a significant amount of points that I could use as I wanted. Once I got settled in XXXX in XXXX XXXX I went to access my points on my account ( via the XXXXXXXXXXXX ). The online account said I only had XXXX points. When I called the main branch the manager remembered our meeting and that I had a signifcant amount of points, but had no knowledge of what happened to the points after that discussion. I talked to several administrative staff in XXXX over the phone, but none could help me with this matter or even find documentation on the account history. I was told that they did not keep account history. I can not believe that account records are deleted at the end of the year with no record of transactions maintained. I questioned this practice by the Supervisors at Arvest because I have been banking with other Companies for years and they could always account for my spending and interest earned. I think that Arvest is taking advantage of me because I am elderly. I am very concerned as I still have accounts with this bank, If I should die will my family be able to get this money or will it disappear just like the points I earned. I know that I spent at least {$4900.00} to {$5500.00} yearly with the card. Do I have any recourse on getting my points back and have they told me the truth about not being able to look back at my past history on my account?
10/16/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	DE 19720	Web
I own a home that I am having a difficult time paying the mortgage on, I have tried several times to file for hardship towards the home and have filled out all the documents to the best of my ability. I have submitted and resubmitted all the required documents prior to the deadlines and each time I am told I have missing documents. I 've mailed in the documents, scanned and emailed the documents and they still do not reach the right person or department and then I am denied assistances. I am NEVER able to speak to the person requesting the documents directly I am always told they are NOT available. When I file complaints then I get nasty letters stating I am a liar and that my complaint is baseless. I can not get this my mortgage company to help me in any way. I am about to loose my house, the renters that where in my home skipped out on 2.5 months of rent putting me in a bind. I am currently only working XXXX part- time jobs and can not make up the missing monthly payments so I applied for hardship. I do not have a phone as I am unable to pay for a cellphone or monthly service. I am living paycheck to paycheck and am so tired of the run -around. I need help, this company does not want to help or allow me to seek help and I am out of options to do anything anymore. My credit is in the toilet I have no savings, no hidden money or agenda I need help and all I am getting are doors slamming shut and I am sorry you do n't qualify. My mortgage company refused to help nor can they find any of the documents I have emailed and mailed to them. They claim I never did and I can show that I did. Can you help me?
11/24/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 303XX	Web
My mortgage servicer, Arvest Central Mortgage, applied a new {$10.00} " fax fee '' on my most recent statement. There were currently two fax fees on my account, one from XXXX which I recognize and am in the process of paying, and this second one. I called Arvest on XX/XX/XXXX and the person I spoke with said that she could not tell how the fee was incurred and followed up with one of her colleagues. She said that she would call me back with more details. I waited close to 24 hours and called again after no follow up. The second Arvest associate I talked with on today XX/XX/XXXX was able to make contact with a colleague who stated that the fee was applied, simply, " in error '' to a number of accounts. She said that it would be " taken care of '', but was unable to do it on the spot and did not state when it would be taken off my account. I am quite concerned, and frankly, upset by this type of predatory behavior by Arvest. I asked the associate who I spoke with how this occurred and had no details. She also said it applied to a number of accounts. If I did not call, it is likely that I would have unknowingly paid this illegal and predatory fee. Also I am concerned that all of the other accounts are still being assessed this erroneous fee. I believe that is is utterly inexplicable how Arvest can, at its own discretion, apply illegal and fake fees to accounts and then expect account owners to follow-up and to ensure that the fees are removed. Even worse, there appears to be no penalty to Arvest for engaging in this illegal behavior and I receive no monies in return for damages.
11/02/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33433	Web
Arvest Central Mortgage This company continues to pay for funds out of my Escrow, without my permission. XX/XX/XXXX - Called to let them I was switching insurance companies from XXXX XXXX XXXX to XXXX. Had my new agent from XXXX even call to validate the switch. See attached email verification. I called XXXX who told verified the policy would not activate as long as they did not receive payment for renewal. Thought Okay I have communicated this switch with my mortgage company, all should be good. Even signed a form for the mortgage company verifying which insurance XXXX is correct. See attached. So, they still paid XXXX AND XXXX. So, two insurance payments our of my Escrow. XXXX basically a complete re run of XXXX. They received information from XXXX XXXX and XXXX. We, husband and I, called again around end of XXXX XX/XX/XXXX and asked them to verify what insurance company they had on file, they assured us it was XXXX. And, guess what, they still paid XXXX ... AND XXXX. Even though they have a signed, acknowledgment from me verifying the correct is XXXX. This is their mistake and they cant stop making it. Called just last night, they say there is nothing they can do even though they are the ones who issued the money out of my account without my permission. These errors are causing financial unnecessary hardship caused solely by this company incompetence. When we ask WHAT CAN DO WE DO TO STOP IN THIS FUTURE? They say, we'll make a note that you only want us to Pay XXXX. Why would I want you to pay 2 insurance companies? Stop issuing payments out of peoples accounts.
09/19/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 93312	Web
I was refinancing my existing Mortgage with XXXX XXXX of Arvest Central Mortgage. I was told that to lock the rate that an application needed to be completed and that I needed to have all three credit bureaus run by Arvest Central mortgage. On Wednesday XX/XX/2019 I informed XXXX XXXX that I had unlocked my third credit bureau ( XXXX ), he then informed of the current rate I would be locked at and then we discussed whether or not I would roll mortgage fees into the mortgage, come out of pocket for cash, etc., however I believed that my rate was locked for a XXXX year fixed rate mortgage at 3.375 % with no points to close ( actually a XXXX rebate point would be paid to me of a {$450.00} lender credit ). In my e-mail sent on XXXX XXXX PST I told him that I was fine with whatever mortgage balance would result in the refinance being a non-cash event for me ( no money out of pocket ). He sent me a final e-mail indicating that what I said made perfect sense on XXXX XXXX PST ( XXXX XXXX his time ) and that he would see if he could get an appraisal waiver. At this time I thought I was locked. The next morning XXXX emailed me with " today 's pricing '' which was much higher and indicated additional cost of {$1300.00} for me to get the same 3.375 % rate I was offered the previous day and believed I had locked. Please see the XXXX email strings attached that detail what I have just stated. I just want my 3.375 % fixed for XXXX years at the pricing they told me I had on Wednesday the XXXX. I did everything they asked which was fill out the application and run all XXXX credit bureaus.
04/14/2019	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	AR 72034	Web
On XX/XX/2019, I tried to use my Arvest debit card to purchase about {$50.00} worth of groceries from a local market. My card was declined. I called Arvest and was first asked for the last four digits of my Social Security number as well as a recent transaction amount on my account. After about 20 minutes of waiting, I was told that my debit card had been reported stolen by someone who isn't even listed on my account and was not pretending to be me. I was told this person had reported my card stolen on XX/XX/2019, about five days previous to this. I was not informed of this incident via telephone, email, the bank 's online messaging system, nor in the mobile app. I was told that this person would not only need my Social Security number and recent transaction information, but would also have to know my bank account number and my debit card number. This is all quite impossible unless perhaps you work for Arvest Bank. They are the only institution that would have access to all this information. My main complaint is how a bank would allow a person to call and make any changes to someone else 's account without the account holder 's consent. I believe this was an error by the bank to close a legitimately stolen debit card but accessed my account by mistake. This is especially likely since I had been informed the that person who made the report shared the same last name as myself, but whose first name I do not know. I believe the bank simply searched on the last name without getting any verifying information on the caller, found my account and closed my card.
11/12/2020	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	AR 72209	Web
I was Incarcerated on XX/XX/2020. I posted bail and was released on XX/XX/2020. My XXXX ordered me to a Rehabilitation Center in XXXX XXXX, Arkansas, called the XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, Arkansas, XXXX. I was admitted the night of the XXXX around XXXX. On the XXXX of XXXX, 2020, I went to the Arvest Bank location on XXXX in XXXX XXXX, Arkansas. Upon going to the Branch Location, I was informed my bank account had been fraudulently hit, and all of my funds were gone. I immediately filed a dispute with the company, the amount in the account should have been {$3100.00}. After filing the dispute the company, even though they were aware that the account had been compromised, re-distributed the monies that were disputed back into the compromised account, therefore allowing the person ( s ) that had the account information to withdrawal the money again. I was able to get XXXX out eventually, but upon taking out the XXXX, the bank informed me, when I tried to re-dispute the rest of the money, that they would not be doing another investigation into the disputed funds, and would no longer allow me as a client at that banking corporation. There should be approximately XXXX dollars that the banking corporation of Arvest owes me, through the FDIC insurance policy, on fraudulent banking activity, yet, they are not disputing the account anymore, nor will they have any contact with me about the account, because of the fraudulent activity. Besides the withdrawal of XXXX , I have not done anything to this account whatsoever, since before XX/XX/2020.
05/31/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95687	Web
I have filed two disputes to update the following information one on XX/XX/XXXX and one on XX/XX/XXXX - nothing has been done. Please see below as this is the information that was sent to the bureaus. The following account needs to be UPDATED AND CORRECTED : Creditor Name : ARVCNTRLMTG Account Number : XXXX The account being reported on my credit report is inaccurate contains inconsistencies and is misleading ; Reports are stating multiple inconsistencies that need to be addressed and corrected. Two bureaus are reporting an Open status, while while the other is reporting as derogatory, this is inaccurate this mortgage is OPEN and needs to be reflected as such. My monthly mortgage payment is incorrect on all three reports and should reflect a monthly payment amount of {$1900.00}. One bureau is reporting no term which should reflect 360 months. The payment status is incorrect on XXXX and should show a payment status of current. The dates being reported as last active are all inconsistent. This is a current mortgage and the dates need to be reflected, this mortgage should be in a positive status and all of my on time payments and information need to be UPDATED. Due to the inconsistencies and multiple errors being reported this account must be UPDATED immediately. You are currently violating the fair credit reporting act by reporting multiple errors and inconsistencies. You are violating my rights granted to me under the ( FCRA, FDCPA, etc ) Each error needs to be corrected and updated or I will be reaching out to the FDCPA for violating my rights.
11/20/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with balance transfer	MO 647XX	Web	Servicemember
I had a secured credit card tied to a {$1000.00} CD that was supposed to mature at the Annual Rate with 350 % Interest payment, instead when I applied to cash in the CD and apply the balance to the credit card both transactions were disapproved without reporting why. I have mo idea since the business card does not report to credit agencies. I have never been able to get one loan, credit card, or any business funding out of Arvest Bank, I believe due to discrimination. In this transaction they disapproved the transfer of the CD to pay off the balance even though I have paid of the balance at least 5 to 7 times during the one year period. I have used the card for over XXXX in purchases. What makes the matter worse is getting a CD statement that says I was paid 150 % Interest per quarter giving me XXXX for a year. As a business man I would have never agreed to those terms in fact I know it was a lie because on XX/XX/2017 the day of maturity I was to there was XXXX on the card with XXXX dollar interest payment but the statement said differently. This was of course why it took 9 days to get a decision on the transfer meaning one more day I would have been stuck with the CD as collateral. Instead I closed the credit card and the CD and Arvest says I owe them {$110.00} I say I owe XXXX. They first violated the contract saying in a year I would get a regular card and could apply the CD to the balance. then took 9 days and emails to the CEO to get a letter emailed to me with their decision. We filed complaint with the company we have heard nothing back
01/05/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 802XX	Web
I have arranged for a post COVID refinancing agreement with Arvest Mortgage. They mis applied a payment ( marked it as I double paid one month instead of paying my next months payment earlier ). For the last 39 days their contact center is regularly unavailable. It will okay a recording telling you they are closed and to call back during regular business hours. However... .these messages occur at XXXX am, not XXXX pm CT as they mention. I have called 9 times today as I still don't have the paperwork to go secure my new agreement ( despite that I have made my first XXXX payments during the trial period as agreed upon ... .before they would send me my final agreement to sign ). I can't get a hold of anyone at Arvest Central Mortgage. The system does one of three things XXXX ) tells me it is afterhours when it is. It, XXXX ) hangs up on me while I am waiting, XXXX ) sends me to an empty voice mail box that tells me the box is full and I can't leave a message. This applies to ALL options from the general customer service numbers AS WELL AS when I. All the direct extension I've been told to contact ( on XX/XX/XXXX I called and complained about the same challenges ... .they told me I was supposed to request Ext XXXX ). I have never been connected when I dial that extension. In fact I always am hung up on when I dial it I FEAR THEY DONT WANT ME TO SUCCEED with my new post COVID agreement. I FEAR THEY ARE DELIBERATELY avoiding me to prevent me from securing the final terms of my agreement and they they want the high value of my home.
07/30/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MA 02155	Web
Dear Sir/Madam, My mortgage was recently sold off to Central Mortgage Company. I received a threatening letter from Central Mortgage on XXXX XXXX stating they did not have the required proof of insurance coverage on our home. If I did not take immediate action, they said they would purchase the required insurance and that I would be responsible for the bill. When Ispoke to their representative on Tuesday, they told me that I had 30 to 45 days to provide them with the proof of insurance. I had my current insurance carrier ( XXXX XXXX ) fax them the requested insurance binder immediately on XXXX XXXX. I called them again this morning and they have no records of the insurance policy from either myself or from the Mortgage Banker that refinanced our home ( XXXX XXXX ). A recent XXXX search has revealed a staggering number of complaints of fraud and predatory lending practices from this company. When I reviewed my loan info online this morning I found a {$6600.00} charge on my escrow account for a Force Placed Fire insurance policy from their friends at XXXX XXXX XXXX. My escrow account balance is now negative. This new insurance policy is over XXXX times the cost of our current insurance policy. Talk about a scam. I am trying in good faith to rectify this situation but it has not worked. I am setup for auto-payment from my checking account and I have no idea how much they are going to take out of my checking account to pay for this redundant homeowners insurance policy. How can you help us with this problem? Thanks, XXXX
11/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AR 72076	Web
There was a stop payment placed on a joint checking account with my wife and I. She paid off a credit card from XXXX XXXX. They continued to draft auto payments. She was told by XXXX XXXX to place a stop payment for the amount and date ; the payments would be stopped. My wife called Arvest Bank on XXXX and spoke to the banker there. She was informed that ONLY that amount and her account would be impacted by the stop payment. 3 months later, we received a letter from XXXX saying there was a stop payment for all debits on XXXX and that my personal credit card account was 3 months behind on payments. I called XXXX and immediately made the full payment. My wife and I reached out to Arvest to discuss the error. After speaking with the manager, she explained she would review the recorded conversation. I was excited, because I knew it would be in my favor. After further investigation, the call was not recorded. I was asked to wait for my credit score to come back up and they were sorry about the inconvenience. Because, they did not hear the conversation the manager said they would not be able to do late payments dispute. I then asked her to provide my signature or my wife 's signature for the stop payment, with the disclosure and she was not able to. I explained that my wife and I were given incorrect information from their banker and she apologized and that was it. I also expressed that the XXXX credit card account was my individual account and my wife did not have authority to stop payments on my personal account.
03/22/2016	Yes	Mortgage VA mortgage	Settlement process and costs	AR 71913	Web	Older American
On or about XXXX/XXXX/16 and offer and acceptance was asked and granted on real estate in XXXX XXXX XXXX. The loan is a VA and loan application for property was submitted to Arvest Bank in XXXX XXXX, XXXX. The problem begins here ; the VA appraisal request was submitted to the VA Regional Office in XXXX, XXXX on XXXX/XXXX/16 and was due back by XXXX/XXXX/16. As of this date XXXX/XXXX/16 it has not been submitted to the bank or the VA, even though XXXX XXXX, and XXXX XXXX were on the real property, inspected the home and outlying buildings on XXXX/XXXX/16. The bank misspoke when I was told that the request for VA was given on XXXX/XXXX/16 for appraisal. The situation has cost me money, delayed shipping/moving problems with contract carrier, storage costs and extension of money spent in an apartment without hardly any of my household goods, including limited clothing. All of the belongings are in storage. The seller is having the same problems. The appraiser, XXXX XXXX and XXXX XXXX need to be dealt with. I have left several messages ( XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX to no avail. They have not returned any calls. I have filed a complaint with the VA in XXXX and assured me that the appraisers have violated the time constraints established by their dept. The bank, Arvest has not been forthcoming in their communications with me and are of partial fault in my thinking, due to a lack of communication and misspoken facts on the loan time and closing date. It was originally to be XXXX XXXX, 2016.
12/05/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AZ 85383	Web	Older American
I sent in my payment within the grace period and did not know that I could not send it in two parts. Thus, the company sent the funds back in a cashier check over 2 weeks after I had made my XXXX payment for loan XXXX. They had me sign stop payment forms for their cashier checks so that they could reapply funds to the loan. I did so and emailed back on XXXX. But due to their systems firewall they were not able to open the attachments. I have since, emailed it to them 7 additional times in a pdf and they still can not open it. I have proof of all emails and dates sent. Now they are telling me that it 's my problem and I have a late payment that they will not fix and I have to dispute it. Even though it was sent on XXXX and they could not open it due to system constraints on their end. This is not the consumer 's problem, and as an elderly person I feel I am being treated unfairly and unjust. How as a consumer can you trust a company that is held accountable for my payments and yet they can not open my email. This hardly seems like a reputable establishment. They also do not give out their names when they speak to you on the phone. It is there practice not to share names or escalate a call to a management member. I ca n't help but wonder what they do to other elderly customers that they work with. This seems fraudulent. I have asked them to send me the paperwork that shows I can not make my payment in half and they have not done so. It has been a month and nothing received. What are they hiding?
10/20/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Payment process	FL 33321	Web	Older American
In XX/XX/2023 I refinanced my mortgage. Arvest Bank took over as the servicer of the new mortgage. My first payment was due on XX/XX/2023 in the amount of {$1800.00}, which includes {$570.00} for impounds ( insurance and taxes ). I round my payments up to {$1900.00} to bring down the principal a little bit faster. My initial payment was sent in as two payments of {$1900.00} each. Both were received by the bank on XX/XX/2023. A few weeks later I received a statement showing that one payment was applied on XX/XX/XXXX and the other was being held to be applied on XX/XX/XXXX. My payments are set up automatically with my bank and the XXXX payment was already processed to be sent on time. I contacted Arvest and notified them that they had erred in their processing and that the second payment was an additional principal payment. In XXXX I received a letter from Arvest that they were investigating the situation. Finally, in mid-XXXX, I received a letter from XXXX XXXX, Mortgage Servicing Manager of Arvest Bank stating that the amount had been removed from the XX/XX/XXXX payment and processed as a an additional principal payment, but on XX/XX/XXXX, not on XX/XX/XXXX. I am being charged interest on principal that was paid on XX/XX/XXXX. Per XXXX XXXX 's letter ( attached ), the payment was received by Arvest on XX/XX/XXXX, yet they are not processing it until more than two months later. They are charging me interest on principal that has already been paid. This needs to be corrected.
05/26/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 90042	Web
We have a fixed mortgage on our home - we have always paid out mortgage on time and always online via the web portal of the financial institution that services the loan ( previously XXXX ). Recently our mortgage was transferred to another financial institution and the servicing of the mortgage was transferred to CENTRAL MORTGAGE COMPANY. We received details in the mail from CENTRAL MORTGAGE COMPANY how and where to make our new monthly payment. We followed directions on their website WWW.CENTRALMORTGAGEONLINE.COM as to how to make the monthly payment. We set up our account but they want us to pay {$5.00} per month as an additional charge for the 'convenience ' of making the payment online. Principal + Interest + their $ 5 monthly fee. In the past 16 years since we have been paying our ( various ) mortgages with different banks and servicing companies - we have never had today more than the agreed amount of the monthly mortgage payment. This is a bogus and erroneous charge and with add {$60.00} per annum to our payments and {$900.00} over the lifetime of the remaining balance on the loan. I called CENTRAL MORTGAGE COMPANY direct to see if there was a way to resolve this and they advised it was their policy for internet / online payments. This is price gouging - we have never been charged a fee previously by our original lender or their servicing company. Can you please investigate this as CENTRAL MORTGAGE COMPANY is unwilling to waive this charge. Thank you.
09/21/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Paying off the loan	NE 688XX	Web
I paid off my Mortgage on XXXX. On the day that I wired the final payment, I received an email from Arvest Bank that stated the taxes are next due XXXX and insurance is next due XXXX. On XX/XX/2023, I received a letter from the countXXXX treasurer stating that my real estate taxes were overdue. I immediately called Arvest Bank and voiced my concerns about their mistake. They told me they can't do anything over the phone and I would have to email them and make a formal complaint. I proceeded to email them on that same day and explained their mistake. I told them about the letter they sent me and how it states everything was paid. I also reminded them that interest is accrued daily on overdue property taxes so I would like this handled quickly. They responded to my email the next day stating they would have to forward this to their tax team. I never heard back from them, so I emailed them again on XX/XX/2023 reiterating that I have not heard back from them and to remind them again that interest is accrued daily on this overdue payment. Finally, on XX/XX/2023 they email me back and state it is not their responsibility to pay the taxes and that it is my responsibility to not only pay the taxes but also the interest accrued. What I would like to know is where did that money go from where they specifically stated that my taxes were paid until XXXX and also why am I responsible for paying not only the taxes but also the accrued interest due to their slow response time?
04/24/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 07110	Web	Older American
THE $ 4000 MONTHLY MORTGAGE PAYMENT IS KILLING US, AND COVID 19 ALMOST DID. We purchased our home 21 years ago ( XXXX ) for {$370000.00}. Planning for retirement, over the years, we bought XXXX rental properties. In XXXX during The XXXX XXXX we lost our employment and we defaulted on our obligations. When we regain our jobs, we hired " XXXX XXXX XXXX XXXX '' to help us restructure and modify the 4 mortgages. HERE IS WHERE THE NIGHTMARE STARTED AND IS STILL GOING ON... The XXXX XXXX XXXX had us faxing updated financial statements for 2 years they charged us {$10000.00} and produced absolutely nothing. See Attached E-Mails. It took 5 years to Modify the 4 Loans, adding an enormous amount of debt. Things were getting worse by the day!!! We were served a Foreclosure Notice on one of the Properties ( XXXX XXXX XXXX ) We contested the Foreclosure, We went to Trial arguing the Financial Crisis have destroyed our lives. Lender, Servicer and the Courts made a very wise decision by reducing principal and interest by 50 %. The good news is that this Loan has been current ever since and is now in a very good financial health!!! The bad news is that the other 3 Properties are still straggling to stay alive. If this was not enough COVID made it much worse ... We are asking XXXX XXXX Mortgage for help. The Principal on this Loan has Ballooned during the XXXX XXXX XXXX. We are retiring and we would like like to sell the property however the total amount due is just too high.
01/31/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 180XX	Web	Older American, Servicemember
To Whom this may concern, We have been paying our mortgage payments to ARVEST Mortgage Co. located in XXXX XXXX ArkXXXX for the past 15 years or more. In late XXXX we received a notice that Arvest Mortgage was merging with Arvest Bank. Since then we have not received our mortgage statements in the mail, on time, to make the necessary payments on time. We have never been late with a payment! In addition they have attempted to charge late fees for their mistakes which we have called them to handle. Recently after calling them once again they stated they would mail us a statement plus send a statement via e-mail. ( See attached statement ) In this new statement, once again, they are including a late fee even though we have a 16 day grace period. We then called Customer Service back and asked why the late fee, they kept transferring us from person to person before we could get the late fee removed. The Customer Service Agents we spoke with kept saying they had no idea of what they could do, so they transferred the call to XXXX who was the Lead person on XXXX XXXX, XXXX. She agreed to remove the late fee and e-mail us a statement proving it was removed. Since that discussion with XXXX, we still have not received that e-mail statement for proof. Since this is an ongoing problem of not receiving our statements in a timely manner, as has been in the a 15 years, is there anything that can be done to have this situation corrected? Thank you for your assistance!
09/22/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	OK 740XX	Web
On XX/XX/XXXX we contacted Arvest regarding options for home loan modification or options as we qualify according to our lender. When I called Arvest to get information they said We do not let anyone speak to the people that handle this. Terrible policy especially when you are needing to know your options. They then tell us to fill out paperwork for hardship assistance but it isnt available and must be mailed. We call back 3 weeks later as it was never mailed. We have informed delivery from the post office and can prove it was never mailed. I spent another 30 minutes and they said they would mail it. It never arrived. Instead they sent us a small loan application. Then we call again and request the application. No letter. This time we get a letter to remove authorization of a user. Still no application. Finally, today we get more mail from Arvest but not the hardship letter. So 3 letters from Arvest have arrived in the time 0 letters regarding our hardship. Closing in on 6 weeks they have delayed our options costing us now 1 mortgage payment and another as the process will be delayed. We qualify for hardship assistance from our lender but Arvest the services refuses to do their duties. Theyve failed to do their due diligence acting as servicer, delayed paperwork critical to our mortgage, have policy that is anti-consumer by refusing to let you speak to someone regarding options and are misrepresenting facts regarding the mailing of the documents.
01/16/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33157	Web
Arvest Mortgage once again illustrating how they bulldoze thru the legal system. I have been in foreclosure and have tried to do a loan modification 3 times because of circumstances beyond my meanings have failed. This one tops the cake I started modification with XXXX on XXXX of 2015 when Arvest Mortgage failed to pay the General Contractor for repairs to the house. The General Contractor put a LIEN on the property for failure of Payment for repairs, even doe they have their inspectors have given them 100 % of completion. Once again NOT allowing me to once again to try to keep my house. I have filed Chapter XXXX Bankruptcy to try to protect my self with no help at all from the Attorney General. I have made complaints of this to the XXXX Attorney General where Arvest Mortgage Bank does most of there business and XXXX XXXX XXXX Attorney General because I 'm a Florida resident. As a Citizen of the United States I have rights. I have done research and Arvest Mortgage has over XXXX complaints with CFPB. I hope that a Government Agency will take charge against this company doing wrongful actions against the People of the United States. XXXX XXXX XXXX has been found guilty for the same reasons as Arvest Mortgage on wrongfully foreclosing on homes. Arvest Mortgage is acting like they are above the Federal and Civil Laws. Arvest Mortgage company is like the XXXX and the XXXX just because they have the money and resources they denies and do as they wish.
10/27/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MN 55378	Web
I received my Escrow analysis for the year in early XXXX. I noticed right away my monthly payment went up XXXX dollars a month and we had no idea why. So after further review, I noticed that Arvest had double payed our home owners insurance. I called on XX/XX/XXXX to get this fixed and they assured me they would correct it. When I logged in XX/XX/XXXX to see if this had been fix, it had not. In the mean time, we had received a refund from our wonderful insurance company for the second payment. So I called Arvest to speak to someone. They said they had canceled the re-analysis of the escrow/mortgage after they noticed the over payment. But this did not fix the problem in our mortgage going up XXXX dollars a month. They then said they would complete the re-analysis and it would be corrected for XXXX which i disagreed with. I said, I called you on XX/XX/XXXX, and you didn't do what you said you were going to do. You are asking us to pay an additional XXXX dollars and many families can not afford to do that. So fix it for XX/XX/XXXX. I asked to be transferred to someone else, I was. She was able to get the escrow department to run the re-analysis right away and it should be fixed by the end of the month. I was very happy with that but I wanted you to be aware of this Mortgage company. XXXX. I have had 5 other mortgage companies and have NEVER had a problem. I worry this could happen to others who are not as aware and may be taken advantage of.
05/24/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95482	Web
Arvest Mortgage let me take the money I could not pay and put to the back of the loan but now they to want to change the agreed upon terms to something less favorable for me. I do not have what they said in writing but we verbally agreed to this contract. I had a covid related hardship and that I could not get my rental house rented out due to covid restrictions, but now that I have rented the house I will be able to make the payments at starting XX/XX/2021. Arvest Mortgage wants to change the terms of our agreement. They have sent me numerous letters and even an registered letter to force me to call them. Each letter also says disregard this letter if you already know what you are going to do. I want the terms in which the money I did not pay was moved to the back of the loan, as we agreed on with no changes. I am unable to make an online payment because they want me to pay the money I did not pay back right now breaking our agreement. Or they want me to enter into a new unfavorable agreement. Arvest Mortgage asked for personal information about my tenants which is confidential and legally they are not allowed to ask these types of question. I only want to continue payments on XX/XX/2021 as we agreed upon. My interest is almost all paid off and I do not want to have to start all over again paying interest. They want me to modified my loan in such a way that I will end up paying mostly interest instead of principle.
03/19/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI 48642	Web
Arvest Central Mortgage company is charging me for PMI insurance past the termination date. Loan documentation ( which they purchased the loan from the original bank ) clearly states that XX/XX/XXXX is the termination date of PMI. Additionally and most importantly, my amortization schedule for the loan very clearly states that on the XX/XX/XXXX payment date, that {$0.00} is due for PMI. However, they are stating that I owe PMI payment for my XX/XX/XXXX payment in the amount of {$100.00}. I feel they failed to automatically cancel my PMI insurance and I had to call on XXXX to have it cancelled. Since they systematically failed to cancel my insurance, they are over charging me for 1 month and claiming that i owe. They are unable to provide any loan documentation on their end to prove to me that the amount is owed. I am concerned for my {$100.00} and also that this is a procedural failure on their end resulting in the overcharge of many others. In several phone calls to them, I have been unable to convince them that PMI insurance is not owed on my XXXX payment. I have attached 4 files : 2 are the Private Mortgage Insurance Disclosure 2 are the Amortization Schedule ( which shows XX/XX/XXXX payment to have {$0.00} PMI due ) Loan was taken with XXXXXXXX XXXX and purchased by Arvest My Arvest Central Mortgage account number is XXXX Property Address : XXXX XXXX XXXX XXXX, MI XXXX Kindest Regards, XXXX XXXX XXXX
05/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70003	Web
Arvest Bank unfortunately bought my mortgage from XXXX XXXX Bank. I escrowed my homeowners but paid my flood in full. I bought my house in XXXX, mortgage was sold to this horrible company the next month. My agent sent them proof of my flood in XXXX. They have to know being a Mortgage or so called Mortgage company that you can not purchase a home in a flood zone without proof of purchasing flood. They forced place flood on me in XXXX, took the payments that I have been sending them and put them in a unapplied account because they raised my mortgage note without me knowing. I was paying my mortgage every month, but since XXXX it was not being applied. They hurt my credit score because now it shows I was 90 days overdue, charged me late fees which they are not reversing. They have the proof after me calling and spending countless time on the phone trying to get it straight BUT still will not fix my credit or reverse late fees knowing I had the Insurance the whole time .... That is what I posted on the XXXX sight. I spoke to several people for months about this. Last person I spoke to was XXXX at XXXX XXXX ext XXXX. Basically giving me a email to dispute the credit, would not reverse fees because they just got the proof in XXXX. I spent so much time on the phone for the last months trying to get this straight. My agent sent the proof in XXXX. This is sooooo horrible to treat customers this way.
11/24/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MD 207XX	Web
For the second time, I mailed my payment to Central Mortgage Company on XXXX XXXX, 2015 ( the check is dated XXXX XXXX because I wrote it the night before ). I just received a letter dated XXXX XXXX stating they had not received my payment. The check was cashed on XXXX XXXX. If Central Mortgage Company does not receive the payment by the XXXX of the month, they charge a late fee of {$40.00}. Usually I mail my payment the first week of the month to ensure at least 9-10 days for the payment to arrive to Central Mortgage Company. Oddly enough, they charge you a {$5.00} fee to make an online payment, so I always mail my payment rather than pay the fee. I have a hard time believing that the postal service was unable to deliver my payment within 9 days, and it appears that many other consumers online have had the same problem. I fear they are holding my payment for days and claiming it is late so they can charge me the late fee or bully me into paying the online fee. The first time this happened last year, I called and they would not budge, even though I mailed my payment 10 days before it was due. If this continues, I am considering refinancing so I can switch companies or sending all payments via certified mail to prove that they are receiving my payments with plenty of time to process. Sadly, it is cheaper to send a payment through certified mail than it is to pay online, albeit less convenient.
06/13/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA XXXXX	Web
I have a house loan with Central Mortgage Company ( CMC ) in AR. In XXXX XXXX, I had issues with my house & it required work ( major reconstruction ). My insurance company agreed on the construction - work was performed & finished XXXX XXXX. The problem is the CMC is not issuing the check to pay the contractor for the repairs on the house. They are instead sitting on the check in their account making interest - since the insurance company had to cut the check to the mortgage company, myself, and the contractor. Information required from the contractor has been sent in two times to the CMC, yet they want it again. This has been going on since XXXX & now it is XXXX. The contractor is speaking to a lawyer, I am afraid my house will have a lean against it, & I will be sued. This could cause me to be homeless & on the streets, not good for someone XXXX. I keep speaking with CMC customer service & someone in hazard insurance department. They state they need the liability information on my contractor, yet they were sent this information twice & CMC & keep losing it. Further, CMC XXXX, I live in XXXX. There is no reason they need to see his liability insurance, especially since the work is done & the insurance company XXXX only allowed the contractor to work on the house since he was licensed XXXX, insured, & trained. This contractor has done work on the house since XXXX. I need help please.
08/16/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 850XX	Web
My loan servicer was XXXX. I had automatic payments set up through my bank, XXXX XXXX XXXX, to make my mortgage payment to them every month. I did not realize XXXX sold my loan servicing to Arvest Loan Servicing effective XX/XX/2020. I did not realize this until after my payment transacted, on XX/XX/2020. Arvest has contacted me asking for the payment. I explained the situation to them, and they said they would contact XXXX to iron it out. They haven't. I contacted XXXX myself. They said they could not locate my payment, since they do not accept payments unless you are a current borrower, and that they would immediately forward to Arvest upon receipt. They haven't. I have continue to check with my bank, and the payment has not been returned- it shows as a valid payment sent via echeck on XX/XX/2020. In the meantime, Arvest is hitting my credit report with non-payment and charging me late fees. These companies need to figure out what's going on. I never asked anybody to buy or sell my mortgage servicing, and I didn't ever know they were going to. Now that they have, these massive corporations can't just shrug their shoulders at me while I'm out my {$1900.00} mortgage payment. It's sitting somewhere earning one of these companies interest. Meanwhile, it's hurting my credit, my ability to refinance, and they're charging me late fees for money they refuse to help me locate.
07/12/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60657	Web
Due to the change in the tax laws, we prepaid the first installment of our property tax bill in XX/XX/XXXX that was due in XX/XX/XXXX. We instructed our servicer, Arvest Central Mortgage Company, not to pay the first installment of the property tax bill. They followed our requests. Because we paid the property tax bill with our own funds rather than through out escrow, Arvest performed an escrow analysis and refunded amounts that were not needed. Our escrow balance was about {$5000.00}, but they refunded us about {$6500.00}, which brought our escrow into a deficit position. We brought this to their attention and told them that it made no sense and that there would not be enough money in the escrow once our second property tax bill became due in XX/XX/XXXX. Arvest told us that they were looking at a " different view of our escrow balance '' that showed the balance at about {$8100.00}, which is why they refunded us the {$6500.00}. I can not see our escrow balance as ever being {$8100.00}, so it is concerning that Arvest is seeing a different balance internally than what they are showing the borrower. It is now XX/XX/XXXX and our property tax bill in the amount of about {$4000.00} is due XX/XX/XXXX and Arvest can not explain to me how our escrow analysis works - it makes absolutely no sense and is very concerning since they are handling the direction of our payments.
01/17/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OK 740XX	Web
On XXXX I deposited check XXXX for XXXX electronically. The full amount was deposited into my account on XXXX On XXXX My purse was stolen out of my car and I called to notify Arvest of potential fraud on XXXX. I canceled my debit card and requested a new one. On XXXX Arvest pulled XXXX from my account stating it was a duplicate. That day I called to notify Arvest that is wasnt a duplicate and my employer rejected the second check. I was then informed after those funds had been withdrawn that it was deposited into an account at XXXX XXXX XXXX on XXXX. Falsely endorsed and deposited into a fraudulent account. Identified by XXXX XXXX XXXX. I have submitted documents from my employers bank stating it was fraud and they only honored my first deposit which had been in my account over 30 days. I also submitted police reports including proof this was fraud. Arvest has failed to acknowledge fraud after filing 6 different disputes and refuses to return my funds. Also failed to flag initial fraud on my account when duplicate check was identified. I have included the supporting docs and screenshots of Arvest site and how to deposit electronic funds. It does not state that the owner of the check is responsible for the loss if fraud is attempted on a second deposit nor does it state mobile deposit must be written on the back of check or customer will be held liable.
01/03/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MD 210XX	Web
Listen this form is leading toward NSM favor non regulated mortgage lender I sign my blue ink mortgage with XXXX XXXX XXXX XXXX XXXX XXXX bought my mortgage on XX/XX/XXXX I am asking you to show me as part of trial evidence my CUSIP # and the PSA # I do have a CSA Court of Special Appeals case active # XXXX I did not give XXXX or XXXX permission to securitize and pool my home loan My loan was paid off in full and I demand lien release and reinstate me as owner on title The lower court orders summary judgment denied me my common law trial by jury rights and due process of law Local county Sheriff XXXX XXXX XXXX - did not have 4 point seizure warrant and used badge and gun intimidation to force me out of my home on XX/XX/XXXX I am stepping back on property this month I have been told by many agencies you are the end of the road and you can get the evidence I have been seeking and you will respond. I live in MD so DC just down the road so i wish to speak with you in person Lender Name CMC Central Mortgage Company XXXX XXXX XXXX XXXX Loan/Account/Case/Other # XXXX Type of Loan - residential primary home mortgage I know what I am asking for and what I am looking for so any delay obstruction tampering will be on record Yes I have filed complaints with FINRA SEC FHFA OIG MD OAG CID - ETHICS - MD RE will be filling next week MD AGC attorney grievance commission
04/03/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	IL 60527	Web
In XXXX we financed 4 trailers through ARVEST EQUIPMENT FINANCE. In XX/XX/XXXX we sold 2 out of 4 trailers. ARVEST provided the Authorization for Payoff, and received funds to close the account for two trailers. In XX/XX/XXXX we've been notified by the purchaser of the 2 trailers that they've never received the titles. We contacted ARVEST and found out that ARVEST has never closed the loan for the 2 trailers sold, and kept on charging us same monthly amount ( as for 4 trailers ). When we requested clarification, ARVEST explained that they were not informed that we wanted to close the loan for 2 trailers, and instead, ARVEST applied the funds to the principal balance on the loan. This is not the way the agreement was. Finally, after pointing to their mistake, ARVEST sent a revised fee schedule, in XX/XX/XXXX. However, Arvest never refunded the overcharges that were placed on our account since XX/XX/XXXX. To all my multiple requests, ARVEST is replying with conditional actions : " we will release the funds after we receive a copy of the title '', " we will release the funds after we receive a copy of the insurance '', " we will release the funds after we receive the coverages from XXXX to XXXX '' and so on... That's not how it has to be. Our overcharges has to be release right away. And if they have other requests, then we can address those.
05/01/2021	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account information incorrect	FL 33418	Web	Older American
On XX/XX/XXXX pusurant to Arvest Central Mortgage 's request to my last complaint, I provided dates and statements showing my credit effected by the erroneous reporting by Arvest on XX/XX/XXXX of my account in foreclosure when in fact it was paid in full on XX/XX/XXXX. Also Arvest threatened to charge me more on XX/XX/XXXX when there was already a payoff letter through XX/XX/XXXX and i was told not to pay it as the closing closing was in a few days. They reported the XXXX payment as late and charge a late fee. I provided the closing statement / payoff letter and they chose to ignore that and all the information provided to include numbers 1-19 with back up documents. These show that two major accounts were closed due to the XX/XX/XXXX credit reporting error. Also two accounts lowered my credit limits due to the XXXX/XXXX/XXXX error in reporting to the credit agencies. Arvets requested dates and I gave them more than enough. The only response I received was that the corrected the error on XX/XX/XXXX almost XXXXhree months later. This is not sufficient and they stated that their prior response was not changed despite the new documentation showing that they effected my credit limits and scores to my detriment and provided no assistance to me and my family. This is humiliating and embarrassing as well as not a proper response to the problems they caused.
04/07/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OK 740XX	Web
On Saturday XX/XX/XXXX, our ATM information was used illegally at an ATM for {$500.00} plus ATM fees. The card was and is in our possession and I am the only card holder or account user. My card was skimmed by thieves at an Arvest location as its the only place I use my pin. Arvest called me Saturday to report the crime right after it happened. They notified me it was fraud. They knew it was fraud. However, they didnt cancel the transaction, give temporary funds, or fix the issues after 10 business days or 14 actual days. Still no funds, temporary credit, or a statement why they are keeping our money. The terms state after 10 days they can only keep {$50.00} and must credit us for the rest of the amount. Even though Arvest informed us it was fraud the second after it happened we had to file a dispute on the first business day Arvest was open. We did. We requested temporary credit. They refused and told us to get in line. Now 10 business days have passed and they refuse to return our money. Our mortgage payment was due with Arvest on XX/XX/XXXX and we can not pay until they return our money. Weve called 4 times to resolve this but they only care about their customers. In addition ATM usage fees were charged by Arvest to us for a thief using a non Arvest ATM. They still refuse to refund those as well even though that is 100 % under their control
08/31/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91701	Web
I applied for and received a mortgage forbearance under the Federal CARES Act with my prior lender XXXX. My mortgage is a XXXX XXXX backed mortgage. After granting the forbearance, XXXX immediately sold my loan to ARVEST Central Mortgage Company. ARVEST failed to recognize my forbearance and sent me repeated collection notices stating I was past due, despite the CARES act forbearance that was effective on my loan prior to ARVEST buying the loan. I notified ARVEST multiple times via phone and in writing about my forbearance granted by XXXX. I also requested of both XXXX and ARVEST that the amount subject to forbearance be placed at the end of my loan as provided by XXXX XXXX guidance and the CARES Act. I completed paperwork for such deferment and submitted to XXXX in XX/XX/2020. Nevertheless, ARVEST continues to send me Mortgage statements and bills stating I am overdue, in default, and subject to foreclosure. Every time I call to speak with ARVEST, I get the run around or statements that conflict with the written collection notices and bills. I am trying to refinance my loan with XXXX XXXX, but they will not proceed while ARVEST states I am past due. Despite my repeated efforts, I am unable to get ARVEST to grant the deferment for which I qualify under federal law, nor will they correct my account. I am requesting assistance from the CFPB.
04/17/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 19027	Web
Arvest Central Mortgage Co of XXXX XXXX AR took over my mortgage services on XX/XX/2020, however no correspondence was sent to me regarding the details of how to pay or how to contact their company until XX/XX/2020, via US mail bulk rate, and was not received by me until XX/XX/2020, the day that my mortgage would be considered late for payment and be imposed a late fee ( which Arvest has since said they are waiving for all customers ). When I originally tried to pay my mortgage to Arvest, via their automated system I was told that my information did not exist in their system. Due to not receiving the information from Arvest that I needed in order to pay ( including a contact number ) I was not able to pay my mortgage in a timely manner to Arvest. My mortgage interest accrues at over {$90.00} per week. This negligent and unethical delay in proper notification of how to pay my mortgage in a timely manner, by Arvest, resulted in my interest owed being increased by {$90.00} per week. This interest that accrued due to their delay, equates to direct fraud by this company, as it equates to more money that I now owe them. This interest that was not paid down due to this delay will be compounded many times over for the life of the loan. How can a company mail a notice on XX/XX/2020, via slow US mail, of how to pay make a payment that was due on XX/XX/2020?
06/03/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IN 462XX	Web
Arvest Central Mortgage began servicing my mortgage on my home in XX/XX/XXXX after the purchase of my home. Since that time, I have paid a bi-weekly payment to Arvest of {$1200.00}, with the last {$1200.00} being paid before the XXXX of each month to ensure the monthly payment is not late. Rather than applying my payments each month to the mortgage, Arvest instead applies the payment to " unapplied payments '' or " principal '', depending on their fancy. Each month, I have had to call and remind them the payment is a half payment and the other payment will be paid before the due date. In XX/XX/XXXX, Arvest reported my XX/XX/XXXX payment as late, causing my credit score to drop by 150 points, although they had received a full month 's payment and simply added the first payment to unapplied funds. I reached out to Arvest, the three reporting agencies and indicated there was an error and provided copies of my bank statements to verify the payment of my mortgage in a timely fashion. Despite this, Arvest has refused to update its reporting and has caused me financial harm by erroneously reporting my payment history, and willfully refusing to update it to indicate that it received my mortgage payment in a timely manner. I would greatly appreciate assistance in having my payment history updated to remove this error. Thank you, XXXX XXXX, XXXX.
09/02/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	AR 72034	Web	Servicemember
I started receiving correspondence from the bank in XXXX 2015 stating that I had overdraft fees. I immediately opened my bank statements online to find out what was happening. I noticed that I had charges from XXXX and XXXX XXXX. I contacted the bank and told them the charges were not authorized and that I did not understand why I was being charged overdraft fees from them for unauthorized charges. They told me to contact the companies and see if I could have the charges reverted back to my account. I was informed that if the companies refunded the charges the overdraft fees would be refunded to my account. On XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX refunded most of the charges. Today I called my bank to have the non sufficient fund charges refunded to my account and was placed on hold several times with the ending result being informed I would have to receive a return call. When the agent, XXXX, returned my call she said she had spoken with her supervisor who informed her to tell me that they would not refund the insufficient overdraft fees because the company had refunded the charges. I do not see how this is fair since this was not my fault. I followed the procedures that I was given my the agent in XX/XX/XXXX. The companies did reimburse. The bank is the one who allowed the charges even though I did not authorize the charges.
02/27/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33572	Web	Older American
Thank you for your help. Arvest Mortgage Company at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AR XXXX, did an ESCROW audit in XXXX and I paid what they told me was short {$4400.00} the end of XXXX, then I got a notice that they did a second Audit and I needed to pay {$4000.00} after I had already paid the {$4400.00}, they said if the extra {$400.00} was not needed I would get it back next year. I was told my new payment amount would be {$1400.00} and I paid XXXX payment the end of XXXX in that amount, and I thought everything was fine, then I paid XXXX payment on XX/XX/2023 it cleared my bank on XX/XX/2023, then this weekend XX/XX/2023 I got a notice that the payment of {$1400.00} is " Suspense '', and I owe the payment of {$1800.00} ( which was the amount before I made the Escrow payment. ) for XXXX and a late fee along with XXXX payment of {$1800.00}. I have had many phone calls with this bank and was told it was fixed two times now and then I get the notice of a late payment and the payment still not corrected. With 2 different Escrow Audit done and both with different amounts I know what is right in reference to the ESCROW and I can't get my payment correct after paying the shortage. This Bank has been a nightmare to deal with, for a long time when mistakes happen, they said it was because a system change. Thank you.
06/21/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CT 060XX	Web	Older American
Today ( XX/XX/XXXX ) I received a " Goodbye '' letter dated XX/XX/XXXX from my mortgage servicer, ARVEST Central Mortgage Company informing me that my mortgage servicing had been transferred to XXXX XXXX XXXX. Arvest will stop accepting payments on XX/XX/XXXX and XXXX will begin accepting payments XX/XX/XXXX. This is ridiculous. a critical payment notice and change of servicer within 10 days of taking effect? How long has this been in the works? Servicing transfers just don't happen overnight -- - I've been in the capital markets for over 30 years and know how long these agreements take. My original mortgage was executed on XX/XX/XXXX and subsequently transferred to ARVEST within the first 60 days. Now another transfer within 15 months. This is just one more example of financial institutions treating customers as financial commodities and in the process putting customer credit and payments at risk. If financial institutions are authorized to issued mortgage loans, they should be required to retain them on their balance sheet, manage the risk, and treat the customers as key relationships -- - not just another fee-based transaction. This puts customers at risk through no fault of their own, just the greed of financial institutions to extract a profit. The CFPB ( and Congress ) needs do more to protect American consumers.
05/04/2021	Yes	Mortgage FHA mortgage	Closing on a mortgage	AR 72023	Web
I refinanced my FHA mortgage with Arvest Bank in XXXX of XXXX. On Friday, XX/XX/XXXX, I sold my home secured by this mortgage and payoff was to be sent that day from XXXX XXXX XXXX XXXX in XXXX, Arkansas. However, they did not send the wire that day, apparently missing the cutoff time which caused my payoff to not be received until Monday, XX/XX/XXXX. I have been in contact with both XXXX and XXXX, who have not offered any remedy to the situation that is not my fault. I am aware of the CFPB 's stance that this practice is considered a prepayment penalty prohibited by law, and that the FHA effectively banned this for loans made on or after XX/XX/XXXX. While my loan was made prior to this date, there have been numerous successful class action suits made by borrowers over this issue. It is theft. I no longer had legal access to this property as of XX/XX/XXXX and if you aren't going to charge me a mortgage payment for XXXX ( it would have been due XX/XX/XXXX ), how can you charge me interest? In addition, my monthly mortgage payment was made for XXXX of XXXX, which included interest of {$290.00}. Where is the {$590.00} of interest on the payoff coming from? The payoff is dated through XXXX and I closed XX/XX/XXXX. I have been overcharged and I would like these funds returned to me, along with my surplus escrow funds.
03/10/2023	Yes	Checking or savings account Checking account	Managing an account Cashing a check	CO XXXXX	Web
On XX/XX/XXXX I attempted to deposit a tax refund check into my checking account. I received a call from Arvest that afternoon, saying because the check was in both my wife and I 's names, and the account was just in my name, they would not be able to verify and deposit, so it was being cancelled. Understandable, so when the hold was placed on the money I deposited into an account my wife and I share with XXXX XXXX. On the XXXX while balancing our accounts, I noticed the funds from that check were verified and approved in our Arvest account. I called to alert them, and after a significant amount of time, transfers and holds, they said they would remove the funds. Today, XX/XX/XXXX, I received a letter from our other bank, XXXX XXXX, that because of duplicate presentment, they were pulling the funds from that account. I have spent hours on the phone with Arvest, they have offered no assistance and told me I should be receiving a call back from an associate named XXXX, whom I have not heard anything from. My other bank has been considerably more helpful, and was able to determine that Arvest did in fact process the check and it is no longer eligible for payment, per state taxation records. At this time we don't have the money in any account, and Arvest Bank is refusing to do anything to rectify their errors.
01/19/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 27529	Web
I have been current in my conventional loan payments since loan origination on XX/XX/XXXX XXXX # XXXX. I requested Arvest to remove PMI as I had satisfied all Arvest Mortgage requirements for PMI cancellation. The requirements include paying the principal amount to {$230000.00} and paying a Brokers Price Opinion fee of {$150.00}. I paid the {$150.00} Brokers Price Opinion to remove the PMI on XX/XX/XXXX. I received the PMI termination confirmation email from XXXX XXXX in the PMI department from XX/XX/XXXX. I also paid two Mortgage Insurance premiums on XX/XX/XXXX for XXXX and XXXX. Since then, my XXXX MI certificate # has been cancelled. XXXX # XXXX. I have also satisfied all requirements for PMI cancellation according to the PMI Cancellation Letter sent from Arvest. I noticed my upcoming Mortgage payment due XX/XX/XXXX includes the PMI payment. I have called Arvest Mortgage customer service multiple times receiving different answers including, I will still have to pay the PMI premium until XXXX and XX/XX/XXXX. Arvest Mortgage refuses to produce any evidence of me owing PMI premiums for XXXX and XXXX, beyond the PMI termination date. Pursuant to 12 U.S.C. 4902 no further payments or premiums may be required from the mortgagor ( Arvest ) 30 days after the requirements have been satisfied.
07/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA XXXXX	Web
Help, Help, Help. Arvest Central Mortgage Co. promised me that the attached letter would be sent to all the Credit Bureau Companies. The following is a new complaint about XXXX Credit Bureau Company : The XXXX Credit Bureau Company insists on ruining my credit score and having my credit report full of false information. My Credit Monitor Company, XXXX, notified me today on XX/XX/2021, that the XXXX Credit Bureau Company on XX/XX/2021 had lowered my score. The reason is that I have too many delinquent or derogatory accounts. I do not have any derogatory accounts ; I repeat, I do not have any delinquent accounts. No other Credit Bureau Company has lowered my score. In fact, they received a letter from the Mortgage Company " ARVEST, '' and they immediately updated their systems, and my accounts with them do not show any delinquency or Derogatory. I am attaching all the official letters for the investigation. I worked hard all my life to maintain a good credit score and to have an excellent credit report. XXXX Company must stop building its decisions on false information. The company has to change back my score and report to where they used to be. Now, Arvest must ensure that the XXXX Credit Bureau Company received the letter and updated their system concerning my information, score, and credit report.
12/23/2017	Yes	Checking or savings account Other banking product or service	Managing an account Fee problem	AR 727XX	Web
I have 4 checking accounts with Arvest Bank. When I opened my newest account ( more than a year ago ) I asked about the cost of sending money through bill pay. I was told that since I was in the free account, I could n't have unlimited free bill pay like on the my blue account, but that I could send up to 6 for free each month. I have only one bill pay item in the amount of {$40.00} that is sent each month from my bills account to the city. I have had this in place for quite some time and have not been charged even once for it. I was balancing my accounts today and noticed that a XXXX cent charge came through on an account that I have never even used bill pay on. I figured this must be an error, so I called the bank and explained the situation. After the rep completed her research, she told me that bill pay items are never free on free checking accounts and that I was being charged for the {$40.00} item that had been sent. I reiterated that I was told bill pay was free up to 6 items, that I had not been charged even once in the past, and that the account being charged has not ever had a single bill pay item come out of it. To that she responded that bill pay must have been set up " weirdly '' on my account and that she could not waive that fee or any future fees for bill pay.
06/19/2018	Yes	Checking or savings account Checking account	Closing an account Can't close your account	OK 74137	Web
Arvest Bank in XXXX, OK. On XX/XX/2018, I walked into a local branch to close my account and was told by the clerk that she could not close the account but that I could wait for a sales person to become available to help me. I chose to withdraw all my money from the account and then indicated I would go through their XXXX number since I did not have time to wait for the local branch sales person. I then went home and contact Arvest through their XXXX line. After 20 minutes of hold time, a representative came on the line to take my information down and then told me that they could not close my account, but if I would hold, they would get a representative on line that could close my account. Another 10-15 minutes of hold time and the initial rep got back on the line to apologize that all of the reps were busy ... but one would call me just as soon as they got off another call. 2 hours pass. I call again to the XXXX line to go through the exact procedure above, again to find out that no representative is available to help me. I know they are stonewalling me and will try to keep me hanging long enough to charge me a fee for insufficient funds in the account ... this seems very poor and I don't know what I can do about it except ask for your help. Thanks, XXXX
06/14/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 94585	Web
On XXXX XXXX, 2017, I wrote a letter to XXXX XXXX requesting Hardship Assistance, as their website indicates their concern and wanting to help their customers who were experiencing financial problems and/or foreclosure prevention. I received documents on XXXX XXXX, which was completed and mailed along with the required supporting documents to XXXX XXXX Hardship Assistance Dept. on XXXX XXXX, 2017. Part of the supporting documents submitted was a letter of explanation regarding my situation, and expressing my desire to keep the property, which is my PRIMARY RESIDENCE, and where I have been operating my home-based business-even since the initial loan was granted by XXXX XXXX. This plus the fact that the total mortgage payment on this residence is set to increase from {$4500.00} to {$6000.00}, beginning XXXX 2017 ; and finally, I pointed out that with the breakdown of marriage, I was now a self-supporting WOMAN, solely responsible for making mortgage payment with the submission of Quit Claim deed & Settlement Agreement. Letter dated XXXX XXXX, 2017 was received from XXXX XXXX stating that the only help they can provide was a Short Sale or Deed in Lieu of Foreclosure - what kind of help is that? XXXX XXXX seems to want to get the property and my livelihood as well.
04/05/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	UT 84096	Web
Last month ( XX/XX/2022 ) I had requested and paid for a appraisal to cancel my PMI since it is now past the 80 % XXXX requirement. I paid on XX/XX/XXXX, and received a appraisal a week or so later. I called on XX/XX/2022 to see if there was a status update since I had not heard anything back yet and was informed by Arvest that my request had been cancelled by the investor. They also stated that I would need to apply again. I had not been denied and have not even seen any results from my appraisal. They had just flat out cancelled the request without sending me notice or refunding me the funds used to pay for the appraisal. I have a high confidence that my appraisal was going to allow me to cancel my PMI and that Arvest is just delaying as much as possible so that i continue to pay needlessly PMI out of my escrow. I have tried to contact the PMI department at arvest but have been unable to connect. I have requested they call me by both my personal email and by a in-house email from one of their customer service agents and have not heard anything directly from that department. Not that anyone can control where there loan was sold, but if its bought by them I would suggest trying to find other options or being aware that they are frustratingly unhelpful.
05/14/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	AR 72703	Web
For the past 5 months I have not been able to pay this loan through the banks online portal. I have to either call every month or go to a branch. When calling I am placed on hold for 15-20 minutes and I have to pay a fee to pay the loan. If I got into a branch I have to drive 20 or so minutes just to get to the branch. I have called the bank around 10 times and spent 10-15 hours on the phone with them trying to address these issues. The best answer I get is " our system just won't let us do that. '' There has been no talk of a resolution and literally no help whatsoever. I was given a personal email of a employee who I should be able to contact and they will take care of this personally. However, that employee does not respond to any emails. I was specifically told I could pay this through their online portal. This loan renews every year. This is the 5th year I have had it. Every single payment before this year was made through the online system. The trouble I have to go through to make this loan is almost preventing me from being able to make the payments on time because I have to set aside about 1 hour to do it. Either 1 hour waiting on the phone and convincing them that I shouldn't have to pay the fee OR going to the branch and doing the same thing.
01/26/2018	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	OK 741XX	Web	Servicemember
This is regarding XXXX XXXX and Arvest Bank bank.This CONSUMER at the has been frauded in her bank account there was money deposit somehow in her account the bank teller told her guardian XXXX XXXX who's her son to that it was okay to take the money but they said before to make sure it cleared first and it cleared and he took the money out of the account they said the money that was deposit fraudulently from someone else or somewhere else that it needs to be returned but the money was already spent and you as a trustee we know that their books are not set right that they charged her account again her social security check was eating up now she had nothing to pay our bills leaving her abandoned financially I've contacted them fill out forms the bank decided to discard the product forms I contact the bank verbally my name is XXXX XXXX I'm the daughter in law we have guardianship over her they've done this twice they've gotten the money they won't fix the account Arvest is on XXXX and XXXX I've talked to the managerXXXX talk to the manager and I've talked to the billing or accounting department and they're not willing to do anything and here she is without electric gas water and insurance and car note car payment to pay for anything please
09/14/2023	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	AR 72113	Web	Servicemember
On or about XX/XX/XXXX, at XXXX, I received a fake email from a XXXX XXXX XXXX who represented himself as an HR employee of XXXX, a subsidiary of XXXX XXXX XXXX. I was offered a job by XXXX XXXX who sent me some checks in me email and told me to deposit them using my cell phone. He later told me that there was an error with the checks and he resent two more checks. These checks were fraudulent and caused my checking account to be overdrawn over {$2400.00}. I disputed the transactions with Arvest Bank on or about XX/XX/XXXX, due to fraud. They denied due to no error. I reasserted my dispute on XX/XX/XXXX, because I believe the checks were not processed correctly and the bank should have stopped all of them from processing, instead of just the first one. They stopped the first one, but let the second one go through even though they knew it was also fraud. My second reason for reasserting is because the bank has not provided information such as token number or other verification that money actually was released to the intended recipient of the XXXX XXXX or XXXX XXXX account, or if it was just an internal processing error. Under CFPB guidelines banks are liable if consumers are tricked or scammed into giving out their bank information.
10/17/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33418	Web	Older American
I lost my job in XXXX and asked for a forbearance which was granted for three months. Arvest Central Mortgage advised me that I did not need to make any payments until XX/XX/2019. I did make a small payment in XX/XX/2019 which was never applied to my account. I called in XXXX to set up a repayment plan and was advised that I could not make any payments and if I did it would be returned. I sent in the hardship application on XX/XX/2019 ( which was still within the month I should have been able to make a payment plan ) I was offered a six month verbal repayment but it was too large for me and I asked if I could not do the hardship that I could still do the six month and was advised that I could. I have tried to resolve and was declined for repayment and then approved and then upon doing a new application so I could have more time to get the required XXXX down payment together. This is just a brief overview. However I never received notice of a foreclosure action. As a XXXX I discovered this on my own through court records but never from Arrest. Yesterday, XX/XX/2019 i received a letter declining my request once again even though I have saved the downpayment and can make the payments. Please advise. Sincerely, XXXX XXXX XXXX, XXXX
12/15/2017	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	MO 648XX	Web
I assisted my grandson in purchasing a car to commute to/from college. The cost of the car was {$4200.00} and the check was delivered to the auto dealer on the evening of XXXX XXXX, XXXX. My grandson returned the next day, XXXX XXXX, XXXX, to pick up his car. On the way home from the dealer, the engine experienced a major malfunction which required it to be towed back to the dealer. Given that the car dealer stated they were not responsible to repair the engine, I called my bank at XXXX XXXX my bank on XXXX XXXX. I did not make contact. I called my bank the next morning, XXXX XXXX, XXXX, at approximately XXXX XXXX in order to request a stop payment on the check. I was told the check had not cleared my account and that I could stop by the bank in person and sign the stop payment request form. I went to my bank in person before noon on XXXX XXXX, XXXX to complete the form. I was given full assurance by the bank associate handling my transaction that the check had NOT cleared and, therefore, the stop payment would be put into effect. My grandson was still in need of transportation and I helped him purchase another vehicle. On XXXX XXXX, XXXX, I was contacted by the car dealer who informed me that the check had, in fact, cleared.
03/07/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MO 65721	Web
On XX/XX/XXXX I made a deposit into my mortgage account, and called Arvest Mortgage to apply the entire amount to my escrow account. This was merely a reimbursement money from a hazard insurance company after I switched companies in XX/XX/XXXX. I called about this at least 3 more times over the course of two weeks, as I could not see the evidence of transfer into my escrow account. I was told that accounting is at least 6 weeks behind on their work, but was assured that it will all be done. Next, as a result of not applying the above amount correctly to my escrow amount for 2 months, my XXXX automatic mortgage payment and now XXXX automatic mortgage payment never applied as scheduled. The money is sitting in my checking account. I can not fix this online myself, as my auto payment is disabled due to delinquent status!? I have been calling and emailing with Arvest Mortgage for two months now, with no end in sight here. Please help. I have never been late on ANY bill in my life. Arvest Mortgage will not tell me what is going on, they reply with " a second round of emails has been sent '' and " let us know if you do not get a call from us today ''. I have filed a complaint with XXXX as well in hopes to get this resolved.
12/21/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	OK 73120	Web
I want to report that on XX/XX/2021 I used XXXX and my Arvest bank account to pay for XXXX tickets that I ultimately did not receive. I have reported this with the Federal Trade Commission. The Federal Trade Commission has directed me that I am entitled to request my funds be returned to my account and ask Arvest to pursue the individuals involved in the transaction. Arvest has not even responded to my attempt to inform them of the situation. Payment of {$370.00} through XXXX via Arvest to XXXX XXXX XXXX XXXX XX/XX/2021. There was a man involved, or at least a mans name being used, XXXX XXXX. The email address associated with the above transaction is/was XXXX He reported that XXXX is his wife and the account is through her. I found out that this happened to another person on the ticket site from this same " seller '' but he was selling hockey tickets ... .under the same name, on the same site, after he did this to me. I hadn't reported it sooner because I wasn't aware the tickets he sent to my email were not valid. They appear valid but are not. It's Extremely misleading to have XXXX on the Arvest banking/billpay page. The implication is that XXXX is trusted by Arvest and therefore the consumer will be protected.
02/28/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 23060	Web
I made an extra payment ( $ XXXX ) to my mortgage XX/XX/2023. On XX/XX/XXXX I notified ( via online from their website/email ) ARVEST Bank that the {$10000.00} was to be applied to principle. One week passed and a checked my account online and found that ARVEST Bank incorrectly applied the payment as {$1200.00} for future payment and {$8700.00} principle payment. I called ARVEST Bank and asked them to correct the error. They assured me they would make the change. Another week passed and no change. I made another call to ARVEST Bant and they assured me again that they would make the change. Today XX/XX/XXXX, I checked my account online and found that they reversed both {$1200.00} and {$8700.00} payments as if no payment was made. My principle balance increased by {$10000.00}. I called ARVET Bank once again and asked where is the money. The response I received was that the funds are in a suspense account. I got another assurance that the funds would be applied correctly. I am not convinced that ARVEST Bank is doing their job correctly. I have had this mortgage for more that fifteen years. I never once made a late payment. Please investigate the actions of this company to ensure they are not mismanaging customer accounts.
12/04/2018	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	MO 64055	Web
HAD A LOAN FROM XXXX XXXX XXXX, IN XXXX FELL INTO HARD TIMES EXPLAINED TO THE MERCHANT AND THEY SAID OK AND STARTED A PAYMENT PLAN WHICH 1ST PAYMENT WAS DUE ON XX/XX/XXXX MADE THAT PAYMENT ANOTHER PAYMENT ON XX/XX/XXXX AND SO ON SO ON UNTIL ACCOUNT PAID OFF WELL END OF XXXX MERCHANT CHARGED ACCOUNT DIFFERENT AMOUNT REMIND YOU WE MADE PAYMENTS BY OTHER MEANS WHICH MERCHAT PRODUCED TO THE BANK ARVEST BANK COPIES OF THE RECEIPTS OF FORM OF SEPERATE PAYMENT NOT WITH CHECKING ACCOUNT OR DEBIT ACCOUNT THAT THE LOAN WAS MADE WITH. WHEN MERCHANT ACCEPTED OTHER FORMS OF PAYMENT PER OUR AGREEMENT IT VOIDED OUR ORIGINAL CONTRACT FOR THEM TO TAKE FROM MY ACCOUNT I INFORMED THEM NOT TO TAKE IT FROM MY ACCOUNT AND THEY DID ANYWAY AT THE END OF XXXX.MERCHANT EVEN LEFT VM ABOUT PROMISE TO PAY WHICH I WENT TO BANK SO ARVEST CAN HER THE COMPANY SAYING THAT.SPOKE WITH MANAGER AT MERCHANT AND SHE STD SHE WAS NOT AT WORK THE DAY THEY RAN THRU MY ACCOUNT AND CANT REVERSE IT STATED THAT IT WENT THRU AND ITS NOTHING THEY CAN DO ABOUT IT. DISPUTED IT WITH ARVEST AND THEY DENIED IT AND ITS WRONG BECAUSE I REVOKED AUTH FROM USE OF MY CHECKING ACCOUNT AND SETUP PAY ARRANGEMENTS AND MERCHANT WAS ACCEPTING DIFFERENT FORMS OF PAYMENT
06/19/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 75044	Web
my current mortgage for the last 10+ years has the interest rate of staggering 5.25 %. I have always been a responsible borrower and made all payments on time. But because of the recent COVID-19 Pandemic, i am financially impacted and its taking a big toll on my budget. I reviewed my financial statement and realized if i can get my interest rate lowered, I can try and bypass these tough financial times to avoid getting into deep XXXX. After calling several times and then finally on XX/XX/2020, In a written request to Arvest central mortgage bank, i requested mortgage relief by lowering my mortgage interest rate so I can continue to make my monthly mortgage payments.XXXX XXXX then from the financing department contacted me advising me refinancing and offered me pay miserably over {$5000.00} in re-financing cost in order to reduce my monthly interest payment. I then realized they are trying to take advantage of my current misery unfortunately created by this deadly COVID-19 pandemic. and now I am starting this complaint process in the hope, I can get mortgage relief assistance because effort/feedback from Arvest Central mortgage bank has been ZERO with no signs of any help or assistance.
04/10/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	DC 20010	Web
I changed primary bank accounts and was trying to update my automatic billing with Central Mortgage Company from the old account to the new account. There is no information about how to do this on their website ( there is almost no information on their website ). I tried calling their phone number and it was hard to every reach a person - there is no operator and automatic call system does n't cover automatic billing changes. Eventually, it took over 55 minutes to on hold to reach a person. That person told me to send my request along with my new bank account information over the " contact us '' form on their website. I was concerned because it did n't seem secure, but I did it any way. Central Mortgage Company never changed my automatic billing information, and the next month, my old account was overdrawn when the company charged for my mortgage. I called Central Mortgage Company again, and after 35 minutes on hold, I talked to a rude employee who emailed me a change of information for automatic billing. Because there is no easy way to be in contact with this company, I have no way of knowing if they will change my billing information or simply overdraft my old account again.
05/30/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX XXXXX	Web	Older American
I received my new mortgage amount from Arvest Mortgage Company which increased from {$740.00} to {$1200.00}. Most of this amount is for the escrow. The house I bought was a new house, and I was informed by the previous mortgage company servicing my mortgage to be sure to add extra amounts to the payment for the escrow account which I did. Around XX/XX/XXXX, I contacted Arvest to see if I could work out a better mortgage payment by lowering the escrow amount by {$200.00}. I received a reply that this is what the calculations came up to and pretty much indicated that there was nothing they could do. Around XX/XX/XXXX, I contacted them again, telling them I am a XXXX XXXX on a fixed income and would they please have it reviewed and see what could be done. I received a reply that it would be reviewed and that I would receive a response by XX/XX/XXXX. As of today, XX/XX/XXXX, I have received no response from Arvest. There are many homeowners in my subdivision that had their mortgages raised anywhere from {$500.00} to {$800.00}. At this point, I am not sure how long I will be able to stay in my home. Anything you can do to help with my situation would be greatly appreciated.
01/08/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CT 062XX	Web	Servicemember
In XX/XX/XXXXWe were lured into a negative amortization loan, as we are not mortgage experts. 5 years later, in XX/XX/XXXX when our mortgage increased by XXXX per month ( XXXX to XXXX ) we tried to sell our home. We were not successful because this was when the housing market crashed. Then we approached our mortgage company for a loan modification. They denied us. After making 1 payment, We were unable to continue to pay XXXX a month so we stopped paying our mortgage. Through all the court dates, in XX/XX/XXXX our mortgage company offered us a payment plan of XXXX per month. We were able to make that payment for 6 months at which point, our mortgage company increased the mortgage to XXXX. At that point we could no longer continue that payment. We have met with mediators and lawyers and continue to try and get a modification for loan. I have been a teacher for 32 years in a priority school district and my husband is XXXX. We have XXXX children ages XXXX-XXXX. We have been asking XXXX XXXX XXXX for help us find a reasonable payment to stay in our home. We built this home with money that we saved for many years. We are not trying to avoid paying our debt, we just need help.
10/19/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	LA 70726	Web
My home was flooded and later condemned due to damage in 2016 flood.According to my contract the insurance funds had to be used to pay off the loan once we notified the mortgage company the home was not repairable.The insurance company did not apply the funds directly as stated in our contract but made us write a letter asking us to submit a formal letter asking them to '' please pay off loan with the funds and send us remaining balance if any '' .We now need a letter for Restore Louisiana saying that was what actually took place to get government aid to rebuild a new home and they refuse to give us this needed letter.They sent us a letter stating we were advised by them we could use the funds to pay off the mortgage or repair the home, which was not true, because the home was condemned. They also stated in this letter that we asked them to pay off mortgage with the funds, which we were forced to do before they would use the funds.They actually held these funds and sent us a past due statement until the received this letter from us and applied the funds towards mortgage.I have proof in the form of letters, emails, and contracts that all they above statements are true.
10/22/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MA 01867	Web
I had asked Central Mortgage Company to review my credit dispute after I received notification for missing a monthly payment. I have an impeccable history with this company and had never made a late payment. I recently refinanced and ended up with Central Mortgage again for my loan. When I refinanced, my auto payment was no longer in place. I was surprised to hear I had missed the monthly payment, since I thought I had still been enrolled under auto payment. I described this in my letter of dispute. However, Central Mortgage replied by not even looking into my history. They declined my request to rescind thr notification to the credit bureaus despite my calling on the XXXX day and explaining the mixup. In the letter of reply only, Central Mortgage only mentioned that I was not enrolled in auto pay, therefore I should be held responsible. Why did Central Mortgage not review my prior history with their company ( just prior to refinancing )? It 's evident this was only a cursory review of my dispute. This is simply unfair based on my impeccable history and consistent enrollment in autopay. Thank you for your review and I look forward to a fair resolution of this matter.
02/18/2021	Yes	Checking or savings account Other banking product or service	Managing an account Fee problem	OK 74133	Web
Hello there, Im having a problem with Arvest bank that they charged me unauthorized overdraft fees for transactions that made from my account and been covered. Arvest Bank claimed that even the pending transactions that already covered by available money in my account can be overdraft charged because the last transaction I made, made my account negative. So any previous transaction can be charged overdraft fee even the money was taken from my account and my account was positive ( covered ) all the purchases just because they were pending regardless of all that. I called the bank many times and I talked with many persons like XXXX, XXXX, and XXXX who did not help me at all and did not allow me to dispute these fees or open any fraudulent case. XXXX claimed that the bank doesnt have fraudulent department, and I was shocked because what I knew most if not all the banks in U.S. are under FDIC. But I understand of them they dont want to help even after I made everything clear that its the bank mistake and doesnt make any sense to be charged for transactions that I already paid money for them and my account was in good standing ( positive ). So Im seeking help from you.
12/03/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IN 460XX	Web
My property is located in XXXX XXXX Indiana. Taxes are due twice a year ( XXXX and XXXX ). At the beginning of XXXX. I realized they still had not paid my XXXX installment so I sent an email requesting it be paid. I received a generic response stating " we will pay it by the economic loss date ''. At this point the taxes were late and a 5 % penalty was due. They were also escrowing for the incorrect amount which caused me to have a surplus once the taxes were actually paid. They completed my escrow analysis on XX/XX/XXXX using the higher amount so I requested that the loan be re-analyzed due to the surplus and to reduce the amount of escrow for the coming year as they were escrowing {$300.00} more then necessary for the 2nd half taxes which is about a $ XXXXmonth difference in my payment. Arvest is not responding to emails I have sent requesting it. It is now XXXX and my first request was sent on XXXX. Since this is now the 2nd year in a row I have had to provide tax documentation to my mortgage company when it should be their responsibility to manage it properly and they are not fixing my account or responding I am now asking that you intervene on my behalf.
05/24/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 314XX	Web
Dear Arvest, Everything about Arvest is unnecessarily hard to deal with including this form. I have now had 4 telephone calls with Arvest over the last 6 weeks - averaging about 40 minutes each. I have also sent in more money than you said I owed both to make up for the shortfall in the escrow that you created and to overpay my monthly autopayments to make sure that the next time you fiddle with my monthly amount, Ive got a buffer. You still haven't fixed my account. You are still charging me late fees. You still have money that I sent you over a month ago, showing as unapplied payments that more than covers the amount you say I owe. You are still reporting me as paying late to credit agencies and ruining my credit for no reason. You leave me no choice but to communicate with your regulators. I had this loan for years and never had any problems with it. No late fees, no miscommunications. Then Arvest bought the loan. Nothing but problems and a huge time XXXX. You said you would get to the bottom of this. You said you would make sure the payments are applied correctly. You said you would call me back. You have done none of these things. Have a nice day!
09/23/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	AR 719XX	Web
On Saturday XX/XX/18 I called the Arvest customer service line and spoke with a representative to stop payment on an unauthorized {$560.00} charge I saw listed in my pending transactions. I was told the payment would be stopped and I would be charged {$30.00} for a stop payment fee. The unauthorized {$560.00} charge was then paid out of my account the following Monday after I was charged the stop payment fee. I called the Arvest customer service line back and was refunded the {$30.00} stop payment fee. I filed a dispute with that customer service agent for the unauthorized charge, but did not receive provisional credit back for the unauthorized amount paid ( {$560.00} ). I went to my local bank branch ( XXXX XXXX XXXX, Arkansas ) to ask for provisional credit until the amount is refunded. I was told that this isn't my fault, but there is nothing they can do to help me- it is out of their control. I asked them specifically about Reg E, and they said they do not know what Reg E is. In the mean time, I have a negative bank account balance and no money for food or gas until I get paid again on 10/5, and I have been charged {$51.00} in NSF fees.
07/12/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30309	Web
My mortgage was purchased by Arvest Central Mortgage Company, after purchasing my loan they ordered gap flood insurance on my behalf at a significant annual cost to me. The company never reached out about this situation. My flood insurance is paid for by my HOA and is an NFIP flood policy for 100 % of replacement cost. I have called 3+ times about this issue and each time they have told me that it is the companies practice to require flood insurance at the minimum of $ XXXX or the loan amount. Per the FDIC An institution must ensure that the minimum amount of flood insurance covering the condominium unit is the lesser of : the maximum amount of insurance available under the NFIP which is the lesser of o the maximum limit available for the residential condominium unit, or o the insurable value allocated to the residential condominium unit which is the replacement cost value of the condominium building divided by the number of units. I am lucky to have a background that has exposed me to mortgage requirements but it is scary that no one at this company can refer to national lending requirements. Your help is greatly appreciated.
01/02/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 070XX	Web
Hello I lost my job in XXXX and I fell behind in my mortgage payments. I was out of work for almost 2 years before I was able to find a job once I did they paid me less than half of what I was use to making therefore I could n't save to reinstate my loan. IN XXXX of XXXX I was thankfully rehired at my old job that laid me off. I applied for NJ hardest fund back in XXXX of XXXX they sent me a denial letter in XXXX XXXX XXXX stating they denied me due to my loan being due for XXXX and they only help with XXXX never did anyone reach out to me to see if I had the difference it was at that time I called and I had to appeal they did not review my appeal until XXXX XXXX now since all that time passed more money late fees, attorney fees got added up the roof I was able to save about XXXX to put with the difference but its still not enough. so now I may loose my house and I came this far the mortgage company is not willing to work with me and they are not following the state of NJ guidelines that the program only assist with XXXX. Please help as I do not want to loose my home I worked so hard for it and I will have no where to go with my family.
06/30/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 18944	Web
In XX/XX/XXXX we purchased our home at XXXX XXXX XXXX, XXXX, Pa XXXX through XXXX XXXX. Our loan and mortgage payment of {$1500.00} was based on our salaries and income. We were in our new home for a year when Central Mortgage company who we are with sent us a check for {$280000.00} and a note stating that our current amount was wrong and that our taxes have been reacessed and the new amount will be {$1200.00} I called them XXXX different times to make sure it was correct. So now for the next XXXX months we have been paying the new amount of {$1200.00}. I just received an escrow letter stating we are in the rears and that our escrow account is short {$5500.00} and needs to be payed before XX/XX/XXXX. What happened so we called the tax department in XXXX XXXX and spoke with XXXX XXXX and asked '' surely our taxes have n't XXXX, she stated that they went up but only {$75.00}. Central Mortgage Company is supposed to pay Insurance and taxes so now my mortgage has gone from XXXX to XXXX over XXXX more a month which we were never approved for in the first place and we ca not afford even now. How can they burden us like this? Please help us.
06/22/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	DE 197XX	Web
I have set up biweekly payments through my financial institution to pay my mortgage which is held by Arvest Central Mortgage Company. I had even set up an additional full mortgage payment at the time of origination. I received notification that my mortgage payment was late and that one of my partial payments was being held. I contacted Arvest this morning, XX/XX/2020 and was told that they would not accept my biweekly payments from my financial institution and those payments that I had been making was not going to knock any interest off to shorten the loan duration. The rep stated that I could enroll in their biweekly payment program for a {$200.00} fee or I would need to contact Arvest 1-2 times per month to direct them on how to apply my biweekly payments. I am extremely upset with this process. Im trying to structure myself financially and am giving them the money to pay my mortgage fairly and accurately. I find their practices to be unfair and not doing the right thing for Consumers. I hope this complaint finds the right party and changes the way that Arvest conducts their business practices. Kind regards. XXXX XXXX XXXX
02/25/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 92021	Web
rvest Central Mortage is overcharging for closing documents. They give you an estimate prior to closing they call it a Release Fee, If you request a receipt they instruct you to perform the labor to go to the county and get it yourself. In my case the actual cost of said fee from the county was lower than the estimate, and they never returned the money even after I sent certified mail requesting the difference. This is fraud. Arvest Central Mortgage has fraudulently charged fax fees. Arvest Central Mortgage has not provided any specific written documentation within loan documents nor recordings from Arvest Central Mortgage automated system as repeatedly requested since XX/XX/2020. As such the ( 2 ) {$15.00} fax fees are being viewed as fraudulent charges. If a refund of {$30.00} is not received within 30 days this charge will be viewed as fraud and legal action will be taken immediately. Arvest Central Mortgage has caused me to perform labor and mailing cost in which they refuse to reimburse in which is in violation of the Constitution as I owe no one involuntary servitude. Arvest was made fully aware of labor fee cost. .
01/21/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	AR 718XX	Web
Arvest Bank is selling the branch in my town to another financial institution and I no longer wish to bank with them, because the new institution does not have branches in the locations I frequently stay. I.e. in my college town, I am currently a student. I went to the Arvest Bank in XXXX, AR on XX/XX/2022 to close my account and while I was at the bank I noticed there was an unauthorized charge on my account. I asked to dispute this charge and was told that I could not dispute the charge since I was closing my account. My family works in XXXX and I know this to be factually incorrect. I can not be denied the chance to dispute an unauthorized charge, per Regulation E. When I brought this up to the branch, they continued to deny filing my dispute and told me that the only way I can dispute the charge is if I chose not to close my account and continued banking with them. I am extremely dissatisfied with the service Arvest Bank has provided over the time I have had an account with them. If they have done this to me with such disregard for the law, then I can only imagine how many other customers they've done this to.
03/20/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91752	Web
XX/XX/XXXX Dear Sir/Madam, This complaint is against my mortgage number # XXXX with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, Arkansas XXXX After several attempts to get an explanation from my Mortgage Co. why is my mortgage going up? every 3 to 6 months ' it has gone up over {$300.00} dollars every 3 to 6 months with No avail. I have no choice but to file this complaint, to get to the bottle of it. Every 3 to 6 months my fixed mortgage account is increasing with No explanation. I feel like I am being exploited by Arvest Mortgage. In XXXX ' I was paying {$3000.00}, okay, currently my monthly mortgage payment for XX/XX/XXXX is {$3300.00} over XXXXdollars more. I have talked with customer service XXXX, Manager XXXX, an supervisor XXXX got No help, was offered-no explanations given, basically I'm under the bus ' pretty obvious my account is not fixed I'm paying more then an adjustable mortgage account seriously I need some HELP ... Please audit my mortgage account ... Please follow my money .... Please audit my property taxes .... Please correctly asses my property value ... .. Regretfully,
09/08/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	AR 728XX	Web
I was targeted by a job phishing scam. I was sent a check to purchase work equipment, deposited the check at my banks teller window, and the next day was instructed to purchase my work equipment. This check did not undergo the banks mandated waiting period to verify that it was real, and as such, the scammers were able to convince me to send them {$7000.00} out of the {$7300.00} fake check. As per company policy, that check should have undergone a wait period of no less than 7 days to verify its validity and payment from the checks bank information. This policy was not followed, as the funds were available the very next day, leading me to believe the check had already been processed properly and that the bank had already received money from the other financial institution. The bank is now in breach of contract. My bank is now attempting to charge me for the full amount of the scammed money. My bank is also completely denying all liability even though they failed to follow their own policies, and if they had properly followed their own policies this whole incident would have been avoided in the first place.
06/07/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AR 721XX	Web
The company 's response did not address the issue of incorrect credit reporting. I have taken the liberty of submitting all of my statements and there was a payment made in XX/XX/2023 that cleared for {$290.00}, yet there was a past due balance that rolled over to XX/XX/2023 erroneously. XXXX payments were made in XXXX for XXXX and XX/XX/2023. There was a payment made for XX/XX/2023 in XXXX on XX/XX/2023. The date the statement closed, but it was not included on my statement despite the statement saying it included XX/XX/XXXX, XXXX XXXX, XXXX transactions. In fact, there is a history of Arvest stating the statement period consists of time between XXXX dates, yet they do not include various transactions during this time period. This is an important and erroneous credit reporting practice that likely impacts multiple consumers and has adversely impacted me. As a onXXXX time courtesy to me, they need to honor their agent 's statement and address the issue of statement closing dates and transaction posting. The issue is not due dates, the issue is arbitrary transaction posting and statement closing dates.
10/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94134	Web
I had a loan with Arvest Central Mortgage Inc. Because of Covid 19 hardship I requested a Forbearance Starting XX/XX/XXXX and ending on XX/XX/2020. I made the XXXX payment and in XXXX I requested a cancellation of the Forbearance due to the fact that I was refinancing and it was the new Lenders requirement to close the Forbearance before we close the escrow. I spoke with a Customer Service Representative and she told me that we had until XX/XX/XXXX to pay the mortgage otherwise we will have late fees and bad credit reporting. I closed escrow for the refinancing on XX/XX/2020 I really need to have this 60 days late payment remove from my credit report ASAP. I am refinancing my second house and I cant do it because of this derogatory payment ARVEST CENTRAL MORTGAGE INC. has placed in my report. I have the possibility to refinance the house at 1.99 % right now, I am paying {$1800.00} and with the new rate I will pay {$1100.00} the difference is {$710.00} for 360 months will be a total of {$250000.00}, thats the amount of damage that I will sustain if they do not remove this derogatory account.
05/28/2019	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	TX 75070	Web
On or about XX/XX/XXXX, I tried to set up a payment on my Arvest bank account via Arvest 's online banking system. My transaction errored out and instructed me to try again. When I did, the second attempt failed with a duplicate transaction. I contacted Arvest and they said there was a system problem and that my account would be fixed in a day or tow. I checked my account again on XX/XX/XXXX. The error transactions had not been corrected. I did try again to set up an account. This had the same errors that I encountered on XX/XX/XXXX. Arvest again said that they have a system problem and my account would be fixed soon. On XX/XX/XXXX, I noticed that my account balanced had dropped. When I accessed my account, errored out transactions were starting to process and make payments. The online system would not let me delete or alter the errored out transactions. I again contacted Arvest and was told there was a computer problem. No timeline was given as to when my account would be fixed. At this point, my account is basically locked since I can not set up payments for correct any errors.
12/05/2022	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	NC 275XX	Web
XXXX - Closing on my mortgage with Arvest Bank account XXXX XXXX - Monthly mortgage payment came out of my checking account via the automatic withdraw that had been set up XXXX - called Arvest bank and agent advised i will be reimbursed via my checking account the monthly mortgage payment that came out by mistake. Provided my checking account and routing number for reimbursement Week of XXXX called 2x and told i will be getting reimbursement soon XXXX - called again as no reimbursement received. I was told a different story that my reimbursement for my mortgage payment will be with my escrow reimbursement and check will be mailed next day. I was told a total of {$3500.00} will be reimbursed for escrow and payment that came out incorrectly. I provided my new address as the company was planning on sending the reimbursement to the address of the home i sold. XXXX - No reimbursement received. On hold with the bank again for 1 hr and told my issue has been escalated. Asked to speak to a manager and told that i could not be transferred to a manager and that a manager will call me back.
10/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 98004	Web
Under RESPA my loan should never have been reported as late as I am protected from any lates fees and/or late reporting for 60 days within my loan transfer. Avrest Mortgage recieved my loan on XX/XX/2020 and went ahead and reported me late to my credit report on XX/XX/2020 along with charging me a late fee on the XXXX which was finally waived, however they have failed to remove the 60 day late on my credit report which is negatively effecting my current loan application Under RESPA they are required to immediately remove this reporting and fix their violation, instead customer service informed me they would review their mistake, which they admitted and wrote notes on, however it would take up to 60 days, whereas they should have immediately inputted a request for immediate action This is a major violation and needs to be corrected as it is costing myself damages in loan approval based on their inaccurate reporting furthermore they are continuing the negligence by failing to remove the information immediately as required by law instead choosing to give me 60 days for a review.
11/04/2020	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account information incorrect	FL 34990	Web
Entered into a forbearance with Arvest Central Mortgage. Was informed that so long as the payments were made before the end of the forbearance my credit would be fine. My account was good until XX/XX/XXXX. In XXXX I was called to discuss options and I informed the representative that we were selling our house and closing on XX/XX/XXXX. I said we would be taking the proceeds from the sale and paying off the loan. On XX/XX/XXXX, we closed and the loan was paid off. On XX/XX/XXXX I started receiving emails that my credit score went from excellent to poor. Upon checking, Arvest reported my account delinquent. Several calls and emails to Arvest confirmed that my account was improperly coded and that my account should have been reported as NOT being late or delinquent due to the forbearance. One agent said she could see in the computer that my account was not coded correctly. The last call I made, I was told there were over a hundred people in front of me and they would get to me when they got to me. I am trying to finance a car and my credit is ruined due to a glitch on their end.
06/10/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33570	Web
On XX/XX/2020 I received a Letter from Arvest Central Mortgage Co, part of Arvest Bank. The letter states that my property is in Flood Zone A, and that I will need to provide Flood Insurance information or it will be provided for me and charged directly to my Escrow account. Arvest states that If I do not agree that my property is located in a Special Flood Hazard Area to contact NFIP at www.fema.gov to get a Letter of Map Amendment. The problem is, FEMA has my zone as Flood Zone X, and therefore no Amendment will be provided. Arvest has erroneously assigned the wrong flood zone, and is putting the burden of resolving onto me, rather than using easy publicly available tools to confirm their own error. Both FEMA and my local County websites provide the Flood Information for my property as Zone X. I feel this is a tactic to scare home owners into purchasing insurance serviced through their escrow account, as more money in the escrow account makes money for Arvest Bank. This is my 4th year and 4th Mortgage company, this is the only one that messed up the flood zone.
11/28/2022	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MD 21244	Web
In XX/XX/2022 I was notified by a debt collector, Arvest Central mortgage Company, stating that I owed them mortgage payments. I have never heard of this company so I disputed this alleged debt in full as they instructed me to do so, if I questioned this account. I also did some research on this company and neither them or their parent company, XXXX Bank, have a mortgage lending license in the state of Maryland. This means that do not have the authority to conduct business in the state of Maryland. With all the negative things that Ive discovered about this debt collector, they have sent paperwork stating that they are moving forward with foreclosure of my property, as well as stating that they have placed my deed in lieu. I know that I have been violated, and I will continue to exercise my rights. Also Ive disputed this alleged debt with XXXX and they stated that they conducted an investigation and the debt collector advised them that the debt was valid.So honestly, who did they actually investigate, it wasnt myself nor anyone that i may know like a neighbor.
10/06/2018	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	OK 74136	Web
I went to ATM XXXX XXXX XXXX XXXX XXXX FROM DDA on XX/XX/2018, to withdraw {$20.00}. The ATM did not dispense my money! I am beyond upset, I am angry at this point. I called customer service the following Monday XX/XX/2018, just to be told to wait til XXXX for their system to process and update. If not I had to put in a dispute, which I had to on XX/XX/2018 in person at the branch located inside the XXXX on XXXX and XXXX. This is a BANK ERROR! WHY SHOULD I HAVE TO WAIT FOR MY MONEY AND DO ALL THIS EXTRA STUFF BECAUSE THEIR ATM DID NOT WORK?? At the branch I go to there is a huge sign that reads " Satisfaction Guaranteed ''! LIES! As of this complaint I still dont have my money back. I dont care if it is {$20.00}, to me that could have been all I had and I have a XXXX year old I have to care for. That could have been my last to feed my child and I am having to wait on them. They need to change that sign! I want my money back in my account as fast as they took it out! I will be closing my account once this is resolved! Signed a XXXX XXXX soon to be EX customer!
05/12/2020	Yes	Checking or savings account Checking account	Managing an account Banking errors	AR 72450	Web	Servicemember
On XX/XX/2020 an UNAUTHORIZED CHARGE of {$560.00} was found on checking account XXXX within 24 hours. A phone call was made within 24 hours of the posted transaction ( documented on phone logs via XXXX ), a Written Statement of Unauthorized ACH was signed and mailed, with documented and filed multiple copies. All Arvest Bank Dispute Guidelines were fully met to Dispute and Credit the checking account from this fraud. A statement was received much later from a Representative named XXXX XXXX as follows, '' Unfortunately, we ( Arvest Bank ) have to end our relationship with you because you had your account broken into. You are a high risk to our relatively new bank formed by the XXXX Family. We're looking for better customers than you to improve our community image as fictionalized in our television commercials. We will not dispute these charges on your behalf even though they meet the guidelines for fraud reporting. Furthermore, we will deny that we ever sent you correspondence regarding this matter and will state all documentation as counterfeit. Good Day. ''
08/16/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	OK 74135	Web
I sold my home and paid off the mortgage with Arvest Bank on XX/XX/XXXX. I have not received the escrow " difference '' in the amount of around {$2600.00} as of XX/XX/XXXX. They first said it was mailed to the " address on file '' which was the home that was sold. ( I did complete paperwork at closing with a forwarding address for all post closing issues ) I reached out via email to their mortgage customer service and received no response. The next day, I called and they said they would re-issue the check next day and mail it to the correct address. This was 2 weeks ago. I still have not received the check. I have called to verify it was sent the next day and they assured me it was. This is the 2nd huge issue I have had with Arvest Bank Mortgage Division and it was also an escrow issue. When I refinanced my loan with Arvest back in XXXX, they neglected to update my insurance information and when it came time to pay the insurance premium, they paid the wrong company causing several issues including my insurance to lapse and my mortgage payment to go up.
07/06/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 27616	Web
On XX/XX/XXXX I entered into a loan agreement with XXXX XXXX XXXX XXXX XXXX. As part of this loan it was mutaully agreed once the principle hit 80 % of the loan or below ( see attached PMI Disclosure signed by all parties marked as exhibit A ). The PMI would be cancelled upon request and verification of the Value. ( See PMI Removal information request sheet marked as exhibit B ) and the ( Appraisal work sheet showing an appriased value of {$400000.00} thousand dollars marked as exhibit C ). Note all I needed was {$390000.00} value according to Arvest Central Mortgage inital responce. ( attached as exhibit B ). On XX/XX/2022 I was denied PMI removal ( see attached exhibit D ) Arvest moved the criteria without a mutual agreement. Note now they want 75 % principle. This is in best case unfair and in the worst case fraudulent and preditory in nature. I would like Arvest to honnor the agreement I made with XXXX home Mortgages as they have agreed to service the loan with the same terms and conditions. Please Feel free the ask for anything else you need.
07/16/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	AR 728XX	Web
we got a covid related forbearance in XXXX of 2020 for my husband mortgage. He pasted away from covid in XX/XX/2020 - I was receiving past due notice but Arvest said that we auto generated. My name was not on the loan but I had power of attorney and submitted will etc.. They asked in XXXX how i wanted to take care of the past due balance ( 6 month of payment for the forbearance ) the gave me a defferal option which is what i opted for. They said I would be getting the paperwork in the mail within 2 weeks - my forbearance ended in XXXX and I began making the payments on the account - they talk to me about the loan but said I was on the loan and I wasnt named successor because of probate etc. My attorney advised me that I was and drew up a administator deed for me and that allows me to act in full interest which is what Arvest said I needed to make the defferal or modification to the loan. I did everything they requested and still wont allow me to do modification or defferal on the past due balance on the mortgage and said they were going to forclosure.
09/21/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 07026	Web
I 'm into 23 cycle of my 30 yrs loan. Loan any XXXX at 4.499 %. Recently when I checked my principal+interest composition, it appears that my interest is double than principal. Is that sound right, granted that in the coming years it will come down but banks collecting interest more than the principal sounds morally unethical. We all work hard to pay mortgage/bills and to meet our ends. But when you learn that banks safe guard their interest and profits, and keep their interest at higher priority than you as a customer it sounds wrong. Just to put into perspective, off the total money i.e. towards principal and interest I pay, more than {$1000.00} goes towards interest and less than {$500.00} towards principal. Is this ethical? Not until 15 yrs into loan, my principal n interest would be equally. That means I 'm XXXX if I want to buy another house n sell my current house. Banks has collected more interest in 2 yrs than paid towards principal. Is n't this incorrect? I mean how will low to medium income family survive. My contact XXXXXXXXXXXX.
07/29/2022	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	OK 743XX	Web
We are a small business. We have been doing busine4ss with Arvest Bank since XXXX. Since XXXX of XXXX we have had nothing but problems. We have spent countless hours on the phone and in person with the bank trying to resolve the issues and get answers. To date all we have gotten is the run around. Being transferred from one department to the next or being told that it is not the bank it is the credit card machine company ( which was purchased from Arvest ) and that they have no control over it or the thousands of dollars being taken from our account. We completely stopped using this account in XXXX of XXXX and to date thousands of dollars are being taken daily with no explanation! We have deposited cash that has not shown causing overdrafts. When the mistake is finally found, they have refused to reimburse the overdraft fees. We have tried to close the account numerous times, but Arvest has refused to allow us to do so. We are at a point we might have to close our doors and file bankruptcy over the issues caused by the bank.
03/03/2022	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	MO 64012	Web
I contacted the Bank a couple of weeks ago in regards to some overdraft fees I had received. The first XXXX fee occured XX/XX/XXXX and the next occured on XX/XX/XXXX. During our conversation I asked if these could be refunded to the account, as I was in the middle of transitioning jobs and had mistakenly not accounted for all of the bills I had coming through. The agent I spoke with placed me on a brief hold and returned to say that I had already used my free refunds. I responded by saying that I have never had an overdraft fee for the life of this account, and asked how I could have already used a free refund? She essentially told me that a refund was not available for me. My complaint is this ; based on my conversation with the agent, I believe I was treated differently than other customers. As she indicated, they offer " free refunds '' to some customers, which begs the question, why am I not included in this group of customers? Is it because I live in a Low to moderate income neighborhood? Because I am not affluent?
04/27/2023	Yes	Checking or savings account Checking account	Managing an account Fee problem	KS 66212	Web
I opened a checking account listed as " XXXX XXXX Checking Account '' in XXXX of XXXX. The account was listed as " No monthly fee '' and did not have any minimum balance requirements so it seemed like a good option. I had made a transaction on XX/XX/XXXX, then XXXX year later in XXXX of XXXX I started to receive monthly dormant account fees of {$5.00} per month until I noticed this in XX/XX/XXXX. At this time I made a withdraw to avoid any further fees. Arvest claims to have attempted contacting me through the mail ahead of any fees being charged, but I only ever remember a piece of mail after I made the transaction to avoid any further fees, warning me that a transaction had been made on a dormant account. I am also enrolled in XXXX statements only but did not receive any notice over e-mail. I have never heard of such a fee at any bank. I contacted the bank by phone on XX/XX/XXXX at XXXX XXXX XXXX, but the representative told me there was nothing that could be done to refund the {$25.00} in fees I had received.
04/20/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32824	Web
We had our mortgage automatically payment withdrawal through XXXX XXXX for over three years, XXXX XXXX had our email, phone number and property address. We received a letter from another bank in XX/XX/2020 that our mortgage hasnt been paid for 4 months, we called immediately and paid all the missed payments and late fees even though we never received a single email nor a phone call nor a letter till the account was passed due for four months and we had no idea that XXXX XXXX sold our account to Arvest central mortgage company. Now Arvest central mortgage company investigated the issue and sent us a letter saying that they will repair all the negative credit reporting they caused, however, they added more fees to the account related to the missed four payments that they never sent us a bill for. We asked over and over to have the fees removed and the declined to remove them, we would like to get a refund of all the late fees paid and we hope to have the account transfer to another bank in the near future. Thank you
03/01/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	AZ 86314	Web
I sold my home and escrow closed on XX/XX/XXXX. I have a left over balance of {$1900.00} that is due to me. By law, mortgage companies have to refund this within 30 days. On XX/XX/XXXX, I called Arvest Central Mortgage Co to check where my check is and was told it was mailed out to my new home address the first week of XX/XX/XXXX. Obviously I did not receive it. Arvest rep. told me that they would issue a new check and I should receive it within 7-10 business days. Today ( XX/XX/XXXX ) I called Arvest again to check where my check is because I still have not received it. I was told by the rep. ( XXXX ) that they mailed it on XX/XX/XXXX. I asked for a new check to be mailed with a tracking number. They did not want to issue one until another 5 business days. They said I need to wait another 5 business days so they can cancel the check that they supposedly issued on XX/XX/XXXX, and then issue me a new one. This mortgage company is a fraud! They made excuses not to refund me my money that I overpaid them!!!
02/18/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91411	Web	Older American
My name is XXXX XXXX I hold a Mortgage with Central Mortgage for my home in CA. where I reside. The XXXX XXXX Loan I held allowed for a {$5000.00}. deduction in the mortgage if the payment never went over 90 days. In XX/XX/XXXXCentral Mortgage made an error in improperly crediting my account. The Supervisor at the time checked the recording of the transaction and determined I was correct, and that the error was indeed on the part of Central Mortgage and the payment had been made in time. Throughout the loan period I have inquired to make sure that the error on Central Mortgages part was indeed noted and that there was nothing standing in the way for the {$5000.00}. mortgage deduction to take place. NOW in XX/XX/XXXX when I have noted the {$5000.00}. was not noted, I am being told it was because of this Central Mortgage error and that I di not qualify. I have written and made numerous calls to Central Mortgage Loss & Mitigation and their general Consumer Dept. with no resolution. PLEASE HELP! Thank you.
01/05/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA XXXXX	Web
I have been making impound payments for taxes and insurance since XXXX. My house insurance policy for XXXX/XXXX/XXXX to XXXX/XXXX/XXXX should have been paid from the impound account but has not been paid as of today XXXX/XXXX/XXXX. In XXXX XXXX I received a call that my insurance premium payment due before XXXX/XXXX/XXXX for the following year XXXX. I called Arvest Central Mortgage several times in XXXX XXXX and again on XXXX/XXXX/XXXX. Each time, I was assured that the " check was in the mail. '' But I just called ( XXXX XXXX ) XXXX XXXX XXXX and payment had not been received. I had to make an emergency credit card for 30 % with the promise of a refund when payment was received from Arvest Central Mortgage. I have not received any notice from Arvest Central Mortgage regarding the status of my home insurance in XXXX XXXX or XXXX XXXX. How is this possible since home insurance is required under the loan documents? Something is very very wrong and I can not get any answers from Arvest Central Mortgage.
02/04/2023	Yes	Checking or savings account Checking account	Closing an account Can't close your account	AR 72223	Web
Around XXXX I opened an account with my XXXX on as an authorized used with a debit card, XXXX had a past child support order from XXXX, we married in XXXX and I did not think they would XXXX my bank account due to XXXX wages being garnished. On XX/XX/XXXX I was checking my account online and noticed LEVY for {$73000.00} How California LEVY my account as the primary person and XXXX on the account and this Child Support Case is XXXX XXXX XXXX and I never knew the XXXX then, I marry an individual XXXX lays all this out to me and California Child Support Services include me and garnish all my rent and bill finances that I earn to pay our bills for living? This should be illegal! I have to be subject to my XXXX for an incorrect child support amount while they garnish XXXX wages and put a XXXX after XXXX years of marriage? This is unlawful! I need answers from ARVEST Bank and California Child Support Services. My personal individual tax return is at stake for something I have nothing to do with.
09/28/2018	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	AR 727XX	Web
XXXX of XXXX i recvd a call from my then XXXX year old cousin. He said his parents had kicked him out. I drove 4 hours to pick him up. He turned XXXX on XX/XX/XXXX. I took care of his needs financially until he got a job in XXXX. He asked if i would finance a car for him. We bought an old, used truck, he said he wanted. I put lots of money into this vehicle over the time he drove it. He signed a contract to purchase the vehicle and agreed to pay me XXXX monthly. He also agreed once he was working to pay me XXXX a month for rent, utilities. Some of these payments he did by wire transfer from his account to mine. XXXX to XXXX i believe. He became angry that i wouldnt let him drink so he left, leaving the car. He went to the bank and committed fraud by disputing the wire transfers. They pulled XXXX dollars out of my account, unaware of a contract. I want the money put back into my account. We both bank at arrest bank and i was on his account. The bank now has a copy of my contract with XXXX XXXX.
09/17/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33157	Web
Once again Arvest mortgage aka central mortgage once again has tried to downplay the seriousness of my formal complaint and its attempting to deflect the seriousness of their misconduct and playing games and deceiving the Federal Government. I filed a complaint please see attached documents with cfpb. They have lied to you saying that they do not have the proper documents and paperwork which is a lie. I filed a complaint on XX/XX/2015. Case number XXXX I called you and told me to fill out another complaint wich I have case number XXXX. Please understand that they broke into my home change locks damage my front door and had several personal things stolen by there company and affiliates. Imagen and if you could put your self in my shoes. Another Lie is that they say Central mortgage is not a bank but it 's own by Arvest Bank. So they tell me that they do not have to follow Banking Laws. The thing is that what XXXX did with a gun this company doing with a pen. I thank you in advance XXXX XXXX
06/08/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 80537	Web	Servicemember
Arvest assumed my loan from another processor. They appear to have intentionally instituted practices that make it arduous to process payments on a regular basis. From the moment that they bought out the loan, their communication was lax and forced all efforts and time required to re-establish ongoing and recurring payments on myself. I attempted to establish a recurring payment with them but their processes have made that nearly impossible. I have three homes. I have two other loans that have been sold multiple times. I have never before been late on a payment. This is the first time that I have experienced such horrible practices. Due to them, I was late by 37 XXXX days on a payment. I had NO idea this was outstanding. NONE. They have been terrible. I would love to switch loan processors but of course I can't. They then reported me to the credit reporting agencies because they failed to tell me their was a payment they didn't receive. I will never do business with them again.
12/14/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 956XX	Web	Older American, Servicemember
Normally, Arvest sends it's mortgage statements at least 20 days in advance. For example, the XXXX statement ( due XX/XX/2022 ) had a statement date of XX/XX/2022. I get the statements a couple of days later and pay it long before the due date. In XXXX, however, something happened. Arvest set a statement date of XX/XX/2022 with a due date of XX/XX/2022. Clearly, I could not get the statement and pay it before the due date. Further, the statement was apparently mailed late, since I didn't receive in until XX/XX/2022. In the statement, they state if the payment is not in their hands by XX/XX/2022, there will be a late fee of {$92.00}. This is clearly wrong. I called the company and was informed that since I could make a payment without the statement, that the late fee would still apply, even though it was their fault that the statement was late. I feel this is unfair. For the record, I have never had a late payment. I have included copies of both the XXXX and XXXX statements.
06/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA XXXXX	Web
Please, I need your help. I have tried all the available communication channels with Arvest Mortgage XXXX, and I am reaching nothing. My credit has been affected severely because of the Arvest mistake, or they're insisting on ruining my credit. Arvest, the company that handles my mortgage, insists on ruining my credit score and, eventually, my credit report. Attached is a letter from Arvest ( The mortgage company ) dated XX/XX/2021, informing me that they sent a correction letter to XXXX, XXXX, XXXX, and XXXX credit reporting agencies. Arvest also informed me that my loan status would show as current. On XX/XX/2021, I received the 2nd attached letter from my credit monitoring company stating that Arvest reports my mortgage account with Arvest as a major derogatory item. I don't know what to do? The damage has already been done to my credit score and credit report and fixing it will take over 2 months. I don't believe that it is my fault or mistake. Please help me.
09/05/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 93312	Web
I was told at the end of last week by the loan officer at Arvest Bank & Central Mortgage Company that he could obtain pricing of XXXX % with a XXXX % lender credit ( rebate point ) if I completed my application. I completed my application on XXXX of this week but he was only able to pull XXXX and XXXX credit scores because I had credit freeze on XXXX. He was able to pull XXXX XXXX XXXX yesterday when the pricing had not changed. He was asking some questions about the loan balance, but, since I had completed my application I thought I was locked. He told me this morning that he did not lock my loan and that the rate and points now had gone up and instead of paying me a XXXX % lender credit ( {$450.00} payable to me ) he now was charging me XXXX % ( I have to pay {$900.00} ) .I am now out {$1300.00} and he never once told me that even though I had completed the application and he had been able to pull all of my credit scores that my rate was not locked. Please help me.
09/01/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI 49464	Web
After refinancing my mortgage with XXXX XXXX, my mortgage subsequently was sold off to Arvest Central Mortgage Company. This lender is ripping off thousands of home owners with insane fee 's. As a responsible home owner I make over payments and additional monthly payments regularly. If you pay your mortgage on their website you have to pay a fee. If you pay via your banks bill pay its free but if you make an overpayment or extra payment you need to call and have it applied correctly. When you use their customer service you're charged a fee. If you send paper checks they have a history of holding the checks until they can charge late fees. This company is a nightmare and at no point in time would I have elected to do business with them. My mortgage being sold to them is at no fault of my own and now costs me money every month in fee 's to perform the same payment functions any other lender offers for free, like making regular payments via direct withdraw from checking.
07/07/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77479	Web
I need to file a complaint against my mortgage company, Arvest Central Mortgage Company ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, AR XXXX / XXXX / XXXX ). They charged my escrow account twice in the same amount of {$2100.00} on XX/XX/XXXX and XX/XX/XXXX to pay the property tax to county. I sent them a message through their website to tell them that they paid duplicate property tax payments to county, but they didn't confess their mistake until I sent them few more messages. They sent me three or four incorrect escrow account annual analyses in few weeks. Finally they agreed to waive the escrow account and refunded the balance to me. My escrow account has been closed on XX/XX/XXXX ; however, they have not refunded the {$2100.00} that they charged me twice. They said they have requested county for the refund. Since that is their mistake, why I got penalized? They could not tell me when I can get back my {$2100.00}. I request they refund to me {$2100.00} immediately.
09/06/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IA 50014	Web	Servicemember
I was able to pay off my mortgage earlier this year. I'd been saving up to finish with 3 extra large payments of XXXX each. My mortgage belongs to Arvest Mortgage. I set up my bank to pay my mortgage company 3 checks of XXXX each, each 2 weeks apart. I bank with XXXX, an online bank. My bank had issues and sent 6 checks before I caught it. By their own admission ( in writing ), the " send x checks '' feature was broken. Since the payment was made by wire transfer, my bank says they can't do anything about it. Of the last 3 checks, 2 were rejected and credited back to my account by the mortgage company. The last one never was. So now I'm 3k short. I have tried contacting the mortgage company only to have the customer service person tell me " they are looking into it '' for the past 3 months. I tried sending an email and still no response ( it's been 1 month ). All calls and emails have been documented on my end. I feel stonewalled by both institutions.
02/25/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91205	Web
For the past three years Arvest Central Mortgage has been charging us for insurance on our property, even though evidence of insurance paid in full by us directly to the insurance companies, has been provided to them. They have continued to charge us escrow for said insurance and they refuse to refund us the funds for insurance they've charged us through the escrow account. We have asked them repeatedly to take escrow off of the account to no avail. Of more concern is that for the last six months, while we have submitted mortgage and insurance payments to them before the due date, they are not applying the payments to our account even though they have cashed the checks. Since they are not applying the payments, they are charging us late payment fees for payments that are not late. They have also reported us to the credit bureaus for late payments that are not late. We have tried to address this with Arvest Central Mortgage without any results.
09/14/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 76133	Web
This compliant has two issues. 1 ) Loan open on XX/XX/XXXX On XX/XX/XXXX a regular payment was made totaling {$1100.00} of which XXXX principal XXXX was interest and XXXX was escrow. on XX/XX/XXXX a regular payment was made totaling XXXX of which XXXX principal XXXX was interest and XXXX was escrow. Question I. why was interest XXXX on XX/XX/XXXX when as of XX/XX/XXXX interest was paid up. Between XX/XX/XXXX and XX/XX/XXXX should only be 3 days interest. On XX/XX/XXXX I went on BI-weekly payments. There is a {$200.00} charge to start Bi-weekly payments and an additional {$7.00} charge per payment. I was told the charges results from the the payments being manually processed. Question 2. Despite payment withdrawal be made time all payments are posted on the 10 or last day before late charges. This allows the mortgate company to collect 10 days interest despite have the payment in hand. This has been happening the last 6 monthes.
07/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	CA 92886	Web
Arvest Central Mortgage is reporting that the account that was held by my wife and I was " discharged through Bankruptcy '' and it was not. The account ( {$110000.00} ) was sold to another lender prior to us filing for BK and last reported on XXXX-14 by Arvest as it states on the credit report. The date we filed Bankruptcy was XXXX-14 and as you can see there is no possible way it could have been included in the bankruptcy as it was filed one month after Arvest Central Mortgage sold the loan to another lender. Even the new lender posted it as paid in full after we paid it off. I have disputed this information at least 4 times 2 online and 2 by phone and they will not take off the discharged through bankruptcy. This account was Paid in full and never late! The only thing that was ever changed was they added the words in the comment section Purchased by another lender. because of this it shows up as a negative item on my credit report.
10/28/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Problem with balance transfer	OK 731XX	Web
I called Arvest Bank to make a credit card balance transfer to XXXX XXXX XXXX for the amount of XXXX. I received a letter back postmarked XXXXXXXX XXXX XXXX from the president of credit card division of Arvest Bank. The letter read that they were pleased to inform me that the following balance transfer has been processed. The letter included XXXX XXXXXXXX XXXX with the last 4 digits of account number and amount of XXXX. It read please allow up to ten business days for check ( s ) to be completely processed. I waited at least 3 weeks before I called them back. No response, no action taken by the company. On XXXXXXXX XXXX XXXX, I went to a local branch to speak to an Arvest Bank representative. This was 37 days after the XXXXXXXX XXXX letter from president of credit card division. She said she would e-mail me back with an answer from the accounting department. There was no response and no action taken by the accounting department.
07/05/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NY 10465	Web
XXXX XXXX loan # XXXX Company Arvest Bank XXXX XXXX XXXX XXXX AR XXXX On XX/XX/2020 due the COV-19 pandemic, I was unable to maintain my financial obligation due my lost of wages I did request a grace period for payments as the federal government suggested. was granted 3 month, at the time my the balance on the principal was XXXX and my monthly XXXX payments, the breakdown was {$460.00} dollars for the principal and {$230.00}, wich bring my monthly payment to $ {$700.00}, wich I have no problem with.However after the grace period was expired the sended me the XXXX bill for {$700.00} intrest only, nothing applied to the principal and also I was told by one of the manager that XXXX bill They only will aplied around {$140.00} dollars to the principal, wich means they will penalize me with another {$500.00} interest. I think this is an unfair banking practice And they punishing me because the government order me to stay home.
05/22/2023	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CO XXXXX	Web
Hello, The value of my home has increased substantially since we purchased 2 years ago. A nearly identical home across the street just sold for {$790000.00}. As of right now we owe {$520000.00}. That comes our to an equity value of more than 33 %. I contacted Arvest and aksed them to remove the PMI since we have equity far greater than 80 %. They sent a mailed document with directions I needed to follow ( hoops I need to jump through ) including proving where I added value to the home with receipts. I sent them an email 2 weeks ago with the address for the comparable property and told them there is no reason for me to jump through hoops for the removal of what amounts to a junk fee. They have not responded to my message. I need help getting this taken care of. They are adding well over {$100.00} per month to my mortgage for no reason when I clearly have good enough equity to avoid these fees. Thank you, XXXX XXXX
10/22/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 02130	Web
Hello, My mortgage was recently transferred to Arvest. My first payment was due XX/XX/XXXX. I made my payment online and was assessed a {$5.00} fee. The payment was not late, and I did not use any payment service or speak to anyone by phone. I simply used the Arvest website. Nothing on the payment page or process said anything about a fee for simply making an online payment. Only when I went to the fees schedule did I see a {$5.00} fee for 'Payment by Website. ' First off, there needs to be warning that paying in a certain fashion will incur a fee. I have attached a screenshot showing the online payment process, and nowhere does it mention a fee. Secondly, I find it egregious that a mortgage servicing company can charge a fee for an online payment. This wasn't a late, rushed, or pay by phone payment. I have never experienced this at any other loan servicing company, and have used many. Thank you for your time.
11/30/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TN 381XX	Web	Servicemember
Arvest Mortgage Services " merged '' with Arvest Bank several months ago. Since then I have been locked out of my online account and have attempted to gain access back my online account with no success. Arvest has had me email my state drivers license to verify my identity ( which I emailed on XX/XX/XXXX ) ; however, I get no response back. When you call Arvest 's customer service number they have a recording advising that they are still having issues with migrating the system and there is a lengthy hold time to reach a customer service representative. They give an option to pay in a branch office ; however, there the closest one is over an hour away. So I am stuck waiting on the phone and manually paying my monthly mortgage through an operator. No one knows what to do and no one knows when this issue will be fixed. It places me in a situation where it is difficult to pay my mortgage through traditional means.
03/16/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 29720	Web
XX/XX/21 - {$2800.00} auto drafted from account ( {$1100.00} over set mortgage payment ) XX/XX/21 - Called customer service, was not given an explanation, told that they would " look in to it '' XX/XX/21 - return call from customer service to let me know that case was opened and refund was processing. XX/XX/21, no refund pending, called customer service. Issue was blamed on a state of SC tax error and escrow account, no solution or ETA of refund offered. XX/XX/21 - called customer service again, no progress on refund. Was told it had not been processed. Asked to place limit on auto-draft at set mortgage payment, was told this was not possible. Asked for email documentation of my requests, was told this could not be provided. XXXX- called customer service again, refund has not been processed. Asked to remove escrow from auto-draft to track taxes on my own. Was told this would be a {$700.00} fee to amend the account.
07/16/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91606	Web
on XX/XX/XXXX my mortgage was transferred from XXXX XXXX XXXX to Arvest Central Mortgage. During the process the total amount transferred was short by {$9.00}. Normally I would let this slide. However during the process, both companies took the XXXX payment from my checking account which sent it into overdraft and I was charged a {$38.00} fee from my bank. Since I didn't have enough funds in the bank to cover 2 mortage payments, The payment to Arvest did not clear, and they charged me {$25.00} isf fee among other things. When I received my year end tax documents, I noticed the {$9.00} discrepancy and contacted both companies. In XXXX of XXXX Arvest responded that they were aware of the problem and it would be resolved within weeks. In the last year I've reached out to Arvest as to the status and have received no response from them. At this point they should pay a late fee as well as interest on the {$9.00}
03/30/2021	Yes	Checking or savings account Checking account	Managing an account Banking errors	MO 64134	Web
I own a checking and savings account with Arvest Bank ; on XX/XX/XXXX, I completed an ACH transfer from my debit card NOT affiliated with Arvest bank to my savings account for XXXX. Arvest took it upon themselves to take another XXXX off my card the same day which I did not authorized and tried consoling with them, they insisted they only took one payment no other receipts to give me and advised me that I also deposited XXXX on XXXX, XXXX which had NOTHING to do with my transaction. My debit card which is with XXXX XXXX advised this is a dispute but call hold times are running out two hours. I am very concerned about fraud taken place at this bank as the bank manager threatened to close my bank down for taking my money from saving and checking 's as I had mentioned this is very uncomfortable to me as a consumer. She threatened for me to calm down or she refused to assist to give me my money from my accounts.
08/16/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30213	Web
On XXXX XXXX, 2016 the short sale lender requested that we receive an offer in the amount of $ XXXX. I now have an offer in that amount and I submitted it over to the short sale lender on XXXX/XXXX/2016 and the short sale lender has come back and stated that they do not have enough time to review the short sale offer and they suggested that I just let the property foreclose. However, if they would postpone the foreclosure sale to review my offer, then I will not have to get foreclosed on in XXXX. At this time, I feel as if the short sale lender is being unreasonable and they are not giving me an opportunity to review any foreclosure alternatives. This is absolutely the worst lender I have ever experienced. I know that the government says that the lenders should provide foreclosure alternatives to homeowner. So, I am asking, no I am demanding that someone stand up for me and my right to need assistance.
12/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	OK 74133	Web
XXXX XXXX calls me daily to seek a debt I owed to a bank in the amount of {$120.00} They call from a different number every few days, sometimes multiple times in a day. The person on the phone is always rude, last time I spoke to them was a few weeks ago ( now I just hang up ), on that occasion they threatened " further action '' if I did not pay the measly {$120.00}. They tried to get my bank account information, and promised that they would not extract the funds until XXXX XXXX, I did not give them my account info, as I had bills to pay and other debts to pay. They have threatened to take legal action, they have called me late at night, they have been rude and demanding, and they call me many times in a week. I am sick of them. I plan to pay when I can afford to, but I have many debts and many bills, and I am the sole worker in my family and my wife is pregnant. I ca n't even afford insurance.
04/26/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	MD 21703	Web
I XXXX XXXX XXXX state for the record that I am being discriminated against by the mortgage servicer of my mortgage Central Mortgage Company, whereas they have refused to acknowledge a full modification package submitted through a third party XXXX XXXX, XXXX. I have been harassed with threatening calls during the modification process directly from the mortgage servicer. No communication has been extended to any additional documentation necessary to complete my modification. I simply request a restart of the 120 day timeline where Central Mortgage Company must cease and desist on sending any threatening notices while the modification is being completed. The Fair Debt Collection Practices Act has been amended to give consumers rights during a modification process. My rights are being violated. I am a veteran XXXX. I demand a full review of my rights violations by Central Mortgage Company immediately.
06/24/2022	Yes	Checking or savings account Other banking product or service	Managing an account Fee problem	OK 744XX	Web	Older American
I called my bank yesterday XX/XX/2022 ( Arvest Bank/XXXX Arkansas an requested a stop payment for 2 items that would be coming out of my account on XX/XX/2022. I clearly said to the gentleman that this was not to be effective till XX/XX/2022 but when I checked my account last night I'd already been charged {$60.00} for the stop payment ( their fee ) I called my bank XX/XX/2022 and told them they'd make a mistake and charged me immediately for the stop payment fees creating an over draft in my account of almost {$27.00} when I clearly said the stop payment was not to take effect till XX/XX/2022. I ask them today XX/XX/2022 to reverse the charges and not hold the stop payment fee out till XX/XX/2022 when the stop payment goes into effect. The gentleman I spoke to refused to do that so now I'm going to have an additional fee of {$17.00} added to my account for a mistake they made. How is that right?
03/29/2017	Yes	Bank account or service Checking account	Account opening, closing, or management	MO 65714	Web
we have been dealing with arvest bank on a dispute since XX/XX/2016 we won the dispute and they were to send us a check for the funds returned we have been chasing this check since XX/XX/2016 we have made numerous calls trying to get our check we have been told several different stories each time we call we have been told they sent the check it was returned so they sent it to a different address and returned again then they said they were sending it again still no check then we have also been told it was signed for and deposited into an account but they wont tell us any info on who signed for it or where it was deposited then they say we will send your check you should have it this week then back to it was deposited this is a business account so it would have to go into a business account but they wont tell us where it was deposited they are giving us a run around and keeping our money
10/31/2023	Yes	Checking or savings account Checking account	Closing an account Company closed your account	OK 74055	Web	Older American, Servicemember
My account was scammed and Arvest know about it. I was questioned about the XXXX deposit, and I told them it was not me. I was asked the same question XXXX different ways, each time it was NO. They told me that the moblie deposits were from a XXXX, my phone is an andriod but my wife has a XXXX " so, it must have been your wife. '' Do your wife has your Arvest acount information? No, her Indigenous culture does not allow women to use huband personal items.They close that account and was going to open a new on. Later I was told that because of the fraudulent activity on my account, ( blaming me ), that I would not be able to open any accounts at any Arvest Banks ever, and I was not to enter any Arvest Branch ever again. After some days gone by, I felt that I was back in the 1960 where businesses post signs " XXXXXXXX XXXX. '' I have been with Arvest for over 20 years.
05/14/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	OK XXXXX	Web
I applied for mortgage refinance XX/XX/2021 with Arvest Bank. They required {$500.00} fee. All the information they requested I provided by person and email. My credit score is above XXXX, income six figures. Every month they requested bank statements and credit reports/scores. My mortgage was then appraised for less than original home purchase. This process went on until XX/XX/2021. Two days prior to the closing, Arvest informed me that I needed to provide another bank statement and credit report which required unlocking it several times. Needless to say closing never occurred. I contacted Arvest about the issue on several occasions. I was told that my account was transferred to different people so it was just miscommunication. I refinanced and closed with another lender 45 days later. I requested refund of the {$500.00} and was told it was used for the appraisal.
10/25/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	MO 647XX	Web
On Sunday night I discovered someone was trying to deposit a electronic check my checking account at my bank and me and my bank also discovered other transactions that wasn't my doings and we filed fraud on the but however I am over my head in debt because someone has stolen my identity and my account information and and I have XXXX payday loans I can afford cover them and this problem at bank with identity theft and so I am {$7000.00} over my head in debt because identity theft scammers and hackers and thieves and credit bureau has my credit history all mess up where I can not consolidate my debts with a loan by letting these hackers and scammers use my identity to gain credit or do hard pulls and XXXX XXXX they are a liar I paid them every time each time on time but however I couldn't be at XXXX XXXX in 2023 I lived here in XXXX Missouri then so please help me
12/29/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 07110	Web	Older American
In XXXX we lost employment and we defaulted on the Mortgage. When we regain employment we applied for a Loan Modification. The Banks were overwhelmed with Foreclosures and Modifications so they finally Modified the Loan in XXXX. Over a 100,000 Dollars of late payments was added to the Principal, sending the monthly payments from XXXX to XXXX Dollars and a 40 % loss of equity. We payed this Mortgage for the last 6 years but we no longer can afford the high payments. We have been in the house almost 20 years. Arvest Central Mortgage Company is now foreclosing on the Property They refused to approve a new Modification with Principal and Interest Reduction to make the loan affordable by bringing it to the Pre-Crisis Levels. Recently, XXXX XXXX XXXX did just that, with our Rental Property. We appreciate your help in this matter. Thank you, XXXX and XXXX XXXX
09/04/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OK 744XX	Web
My house is currently being foreclosed on and I 'm being sued by Arvest Bank. All payments and conditions of my mortgage are current and kept up to date ( i.e. mortgage payments, insurance, hazardous insurance, state and locale tax 's ). I have all my records concerning the payments, tax 's, and insurance ( which are all current ). I have been in contact with Arvest 's attorney but to no avail. Arvest insists I 've made no payment for the last 7 months. Although, I have sent Arvest 's attorney a copy of my cancelled checks but Arvest continues to insist no payment have been made but they still continue to accept my monthly payments. My credit has been devastated by all of Arvest Bank allegations ( from high XXXX XXXX 's to low XXXX 's ). I am XXXX, living on a fixed income and currently attempting to find the money to get an attorney but it 's all so dishonest!
07/16/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CO 812XX	Web
On XX/XX/XXXX I requested a loan modification on my mortgage with Arvest Central Mortgage Company. I was given a 3 month forbearance in XXXX due to Covid and they were offering me another 3 months but what I wanted was to figure out how I was going to afford payments in the long term. I called numerous times and was transferred all over the system. I finally was told that my case would be reviewed and the term and interest rate could be changed to a 40 year loan. Not exactly what I had in mind but I was open to hearing what they would come up with. It is now 6 weeks since I started this process and haven't been able to get through to anyone, no written correspondence from them, as they assured me, no letters in the mail, no response whatsoever. I want to keep this house and I know this can be worked out ... but not if they aren't willing to speak with me.
11/03/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 077XX	Web
Re : Central Mortgage Company of XXXX XXXX, Arkansas, bought my mortgage from original lender. Despite industry practice and what they specifically state on their website, they have reviewed and changed monthly payment, purportedly resulting from a change in either tax or insurance escrow. They failed to correspond with my husband who had been given authority to do so with Central Mortgage, in writing. They have failed to provide the requested backup as documented evidence of so called reported changes. Additionally, a previous complaint was made by my husband. SeeXXXX. This was dismissed because XXXX stated a response that they were unable to respond to the complaint without authorization from the consumer, FALSE AND UNTRUE IN EVERY RESPECT. CFPB erroneously fell for that and apparently can do no further. I have attached a letter stating such.
10/25/2015	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	MO 64118	Web
Arvest Bank charged me a {$10.00} late fee when I was only under {$6.00} on my payment and it was actually not late. It was received well before the due date of the XXXX of XXXX. I have since been unable to reach any representative to get the {$10.00} fee waived. I have been put on hold multiple times for over XXXX minutes each time in an attempt to reach a specific person who might be able to waive the fee but it was never promised that it would be waived. The reason I bring it up is because there have been XXXX separate occasions where representatives stated that since I paid ahead by several months ( I pay {$200.00} a month when my payment is {$160.00} per month ) I could pay whatever I wanted even if it was under the monthly payment of {$160.00} and I feel that the bank representatives have misrepresented the information to me as a consumer.
01/22/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 77301	Web
On XX/XX/XXXX I contacted Arvest Mortgage Company to make them aware that they have not paid the taxes on my property {$4000.00} which was due by XX/XX/XXXX. I was told that they would resolve this issue immediately and ensure that the taxes were paid. On XX/XX/XXXX I received a call from the company stating that the taxes were paid and was not due until XX/XX/XXXX. On XX/XX/XXXX I made contact with the county tax office and was informed that the taxes have not been paid by Arvest and I am still delinquent on paying taxes to my property. I made contact with Arvest again on XX/XX/XXXX and the staff member Informed me that the taxes were not paid and she could not provide me with an update on when and how this issue can be resolved. At this time, the Mortgage company Arvest have failed to pay taxes on my property and resolve the issue timely.
01/26/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	DE 197XX	Web
My mortgage is with Arvest Central Mortgage Company ( unfortunately ). I have biweekly payments set up through my bank to pay my mortgage. Every month I have to call them and ask them to apply my payments to my account. I set up my payments this way because it helps me to budget better month over month and with then intentions of paying my mortgage down faster. I have inquired about biweekly payments with ACMC, but the require a {$200.00} down payment and the charge 3 % per payment. Theyre already charging me interest on my mortgage, but they also was to charge me interest to make a payment. I find this extremely unfair and unconstitutional. Please have the OCC or XXXX audit this process. I have worked in the financial industry for almost 20 years and have never experienced a process as such. This is not fair or responsible banking.
12/14/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NH 03060	Web
My mortgage company ( XXXX XXXX XXXX ) did not utilize the bills sent by the XXXX of XXXX to calculate my taxes/Escrow Account and monthly mortgage payments properly. I was told that when a {$73.00} bill was pushed through as my 6th month tax/escrow payment for my property it was not a concern. I 'm not sure what happened to the original tax bill sent to XXXX XXXX XXXX Company since the XXXX of XXXX is reflecting a payment of {$2400.00}? XXXX XXXX XXXXe Company verbally accepted responsibility over the phone on XXXX/XXXX/XXXX after not responding to an email sent on XXXX/XXXX/XXXX. I was told that this was an oversight on their part and that if my mortgage was for new construction then it probably would have been red flagged and looked into further. Now my monthly mortgage payment is expected to increase by {$610.00} ... ....
07/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75287	Web
My payment is due on XX/XX/XXXX and i was unable to make my payment. I submitted a loss mitigation application asking for assistance because i was unable to make this payment with arvest bank. Arvest bank approve my loss mit application on XX/XX/XXXX stating that i was under forbearance. At this time my XXXX payment was not 30 day past due and according to the letter my account will be report to the credit bureau as current while under this forbearance. The letter did not say it was only for XXXX through XXXX payments but it just stated payments will be XXXX till XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and it never talk about anything else making me feel that everything was ok according to this letter so that should make my XXXX payment current because the letter should have told me about this payment if they had this issue.
07/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AR 72223	Web
Arvest Bank ran my credit report without my knowledge or approval. I applied for a auto loan on XXXX XXXX, was approved at 3.7 % for 60 days. On XX/XX/2022 XXXX XXXX contacted me to see if I was still interested in taking out the loan, I informed her I wasnt sure but would get back to her the next day. On XX/XX/2022 someone from Arvest Bank reran my credit without contacting me. I immediately contacted XXXX and she was to find out who & why this happened. Today, XX/XX/2022 I received a letter saying I was denied for the loan. I NEVER consented to having my credit report ran on XX/XX/2022. This was done AFTER I told them I did not know if I would be taking out the loan. One can not be approved for a loan then denied after letting them know you may not want/need it. You can not run my credit report without my permission.
06/05/2021	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	AR 72701	Web
THye opened my account XXXX, XXXX, 2021. Last year I wrote a check or used my card which is covered by overdraft and they shut down my account and told me if I paid off the debt I could reopen the accopunt. SO Yesterdfay I went to reopen the account and then call Arvest account line to get my online username established and they tell me my account will shut down in 14 days. They have lied to me I paid my overdraft protection and which you can use it with your debit card so they are being discriminatory towards me and I would like my account opened immediately or else they can look at discriminatory action on their behalf. I need my account left open and the branch to approve of this because it is apart of my coverage. THank you Very much and look forward to hearing your input on such circumstances. XXXX XXXX XXXX
05/19/2020	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Can't stop withdrawals from your account	OK 74008	Web
Booked my vacation through XXXX on XXXX to travel to the XXXX on XX/XX/20. Paid {$3000.00} with my Arvest debit card. Got an email from XXXX saying all trips are canceled due to covid and to talk toy bank about refund options on XX/XX/20. My itenerary was updated and showed a refund of {$1700.00} but I got nothing. I have contacted Arvest to dispute twice. The first time they took my info and two weeks later sent a letter saying noting could be done. Second time I called to escalate it and they said they couldnt do anything. XXXX isnt answering calls or accepting info, they ha e layed off their entire workforce and are supposedly closing. I joined a XXXX group called scammed by XXXX and tons of people have gotten refunds From their credit card companies and banks. Please help if its at all possible
11/01/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MO 641XX	Web
When requested to receive my XXXX Bank debit card expired XX/XX/22 bank refuses to send it. When prompted for an answer as to why not sent they lie and say it was sent. XXXX XXXX now without my business debit card. Highly inconvenienced seeing I'm a very busy person. I couldn't deposit on the go nor withdraw nor purchase products without it. Next, I couldn't access my online banking and potential loans from loans institutions and good business standing references to loan institutions and XXXX due to XXXX XXXX attached to my business FOR XXXX XXXX. I would file a XXXX over and over to correct it and my bank would not. I would ask them over and over and my Bank would not. I have Been inconvenient and lost out on much growth opportunity for my Business due to my Banks Constant failure towards my company.
02/27/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 94601	Web
Do to corona Virus COVID-19During the shut downI lost my business at that time And I called my mortgage company To explain my situation and that I can't pay my mortgage payment, No mortgageCompany Offered me Forbearance plan until my situation get better And I be able to pay my mortgage and I request the mortgage company for loan modification after I Submit all my documents they didn't Qualifying me for loan modification they denied me and they refused to work with me to save my house they refused to take my mortgage payment and the refused to pay them what I owed them on stalemate payment, mortgage company they threaten me to pay them what I owe in one payment Otherwise they threaten me Foreclose on my house or short sale, please i your help to save my house to raise my XXXX kids, thanks very much
02/17/2017	Yes	Bank account or service Savings account	Account opening, closing, or management	AR 728XX	Web
I went in to Arvest Bank on XXXX XXXX in XXXX,, on XXXX/XXXX/17 to open a savings account. Although I have been a customer and have a checking account for several years, I was turned away. The account representative and the branch manager said they could not tell me why other than that they use XXXX and that I am on a no new account list. I called the main office ( XXXX # ) and was not given any more information. I was told that they do n't know why this happens and to call the social security administration. I requested a report from XXXX on XXXX/XXXX/17 and I was furnished with a report dated XXXX/XXXX/17 noting " No Information Found ''. My complaint to Arvest is they should have handled this differently and been able to provide me with information why they were denying me opening a new account.
10/31/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92555	Web
I called back in XX/XX/XXXX and requested to have the PMI removed because the house had increased in value and paid for Broker Price Opinion which they reflected a lower value and I do not believe they did a good job which was related to Arvest ( my concerns via phone ). Later I told them that I had filed for BKXXXX and was one payment behind and would like to see if a modification was possible and they conveyed optimism to me that this would be possible. after I submitted all the information they came back stating that all alternatives were denied except a short sale or deed in lieu which is not an option because I am only behind one payment and need to keep my home. I also received a new BPO price that would allow the removal of the PMI so I am confused as to why they have not removed the PMI.
11/04/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	UT 84045	Web
o whom it may concern, The reason of my dispute is that I do not feel like my credit should be penalized because I was never notified that my payment had gone up from XXXX to XXXX for the XXXX payment.. After I talk to someone I sent XXXX more and they put it into the escrow instead of putting towards the actual payment. I spoke to someone else on the phone and paid the XXXX with my bank account and then on XX/XX/XXXX I spoke with someone and she told me that my payment was 1947 and I only had sent XXXX so I paid her over the phone the XXXX I already sent an extra XXXX on the XXXX to cover the XXXX. I will attach proof of payment to see what I am talking about. Also the way I found out is because I checked my credit report and that is how I noticed that it was affecting my score.
12/08/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MN 55113	Web
My mortgage was sold to Arvest Central Mortgage Company XXXX, AR XXXX. This mortgage company will charge me for every payment I make on line via direct payment a {$5.00} fee. They will not charge this fee if I set up auto payments every month. The issue is every month I like to pay additional principal, and some months more and some months a little less. Well in order to do this I am charged a {$5.00} fee pre transaction? No company that take direct payment on line does this, not the phone company, power company or credit card companies, nor my last mortgage company. They will also wave the fee if I pay by check and use a coupon book. I feel this fee is an overreach of trying to keep me from paying additional principal in the amount I would like, by charging me a fee to do so.
12/04/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92555	Web
I filed for BKXXXX on XX/XX/2018 and I called on XXXX XXXX to make the payment and they told me the BK department was gone for the day and they could not accept my payment i called back and asked them to back date my payment for XXXX because it was their mistake and they told me they would and I trusted them to do so. I again clled on XXXX XXXX to make my payment and they told me again that they could not accept it so I clled on XXXX XXXX ( i was unable to call on the XXXX due to business travel ) and now they tell me they are filing MFR, I told them that they refused to take my payments for the months referenced. I need them to post them for the correct dates and have the MFR not filed. They should also train their employees for dealing with BK borrowers Please Help
08/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA XXXXX	Web
Help, Help, Help. Arvest Central Mortgage Company is ruining my credit score and having my credit report full of false information. My Credit Monitor Company, XXXX, notified me today, on XX/XX/2021, that Arvest informed XXXX that my account is past due, and I am not. XXXX had lowered my score and added a negative statement to my report. XXXX also reported that my account is delinquent. I do not have any delinquent accounts ; I repeat, I do not have any delinquent accounts. I am attaching all the official letters for the investigation. I worked hard all my life to maintain a good credit score and to have an excellent credit report. Arvest Central Mortgage Company must stop sending false information. The company has to change back my score and report to where it used to be.
01/03/2017	Yes	Bank account or service Checking account	Using a debit or ATM card	AR 72116	Web
My debit card was used to make fraudulent ATM withdrawls and the bank issued a provisional credit in the wrong amount. I ca n't get them to fix the error. Their Fraud department says that the transaction was disputed in the correct amount ( which it was ) and that Customer Service needs to fix the credit amount. Customer service says that I have to file a new fraudulent transaction report to get the right credit amount. The Fraud department says that I ca n't file a new fraudulent transaction report because I have already disputed the transaction. My local branch says that I have to call the Fraud Department who sends me to Customer Service who sends me back to the fraud department. I just want to get my money back. The credit should have been issued more than a month ago.
02/01/2019	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	MO 64133	Web
Arvest Bank allow XXXX go into my account and try to debit it {$380.00}, I did not authorization this transaction and I do not have overdraft protection. Now I am receiving notices from the bank indicating I have a negative balance of - {$290.00} and it must to paid by XX/XX/2019 or will be charged-off. I did not believe this is fair, I did not authorization XXXX into my account, I did not even have overdraft protection on this account, and I am not understanding how XXXX charges can be submitted if you don't have overdraft protection, I have not used XXXX for over 1 year and I have tried to make arrangements with them, but you can never get to the correct person to speak with, everyone tells you something different. I want these charges removed from my checking account.
11/18/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92122	Web
My home loan servicer was recently transferred to Arvest Central Mortgage. In the past 25 years, I have had over 10 home loans across 7 properties, with even more servicers along the way, since it seems every other year the loan is being transferred. Arvest is the first servicer I have encountered that charges any fee ( in their case, it's {$5.00} ), to submit a payment online. I do not believe that incurring a {$5.00} charge to submit an online mortgage is acceptable industry practice. That is a barrier to making a payment, in which they assess steep late fees if not received. This is the year 2020 in which entire businesses are conducted online, so charging {$5.00} to submit a payment, as opposed to mailing a check where there is no fee, is archaic and a money-grab.
04/16/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 922XX	Web
Arvest Bank has taken over my mortgage in XX/XX/XXXX and I was able to reduce my property taxes due to proposition 19 here in california. I received final notice that my property taxes have been almost cut in half in XX/XX/XXXX but have been unsuccessful in trying to get them to adjust my escrow account. First they told me that they would adjust it in XX/XX/XXXX, then I called in early XXXX to find out what day I can expect it to be modified, they told me it won't be until XX/XX/XXXX and that it wouldn't take effect until XX/XX/XXXX. They already owe me XXXX of dollars due to over collecting on my escrow account even though they have copies of my current property tax rates. I have given up calling them and hope you can get them to reassess my escrow account soon.
09/09/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 75013	Web
Central Mortgage Company ( CMC ) can not process my payment correctly. My monthly payment is {$3100.00} due on XXXX of month. I made XXXX separate payments from XXXX checking accounts, XXXX for {$2000.00}, the other for {$1100.00}, so the total adds up to my full payment. Both payments arrived on XXXX/XXXX/2015 on time, but CMC returned my payment saying it 's partial. The check they sent me for the returned payment is the full amount of {$3100.00}. I called them, and they 've confirmed their system ca n't handle the XXXX payments if they are separate even though both arrived on the same day. I do n't think their payment processing is up to the standard. It completely does not make sense to return my full payment in XXXX check and saying it 's not a full payment.
05/02/2022	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account information incorrect	VA 22315	Web	Servicemember
During the COVID pandemic, accidentally missed a payment on my mortgage. I accidentally forgot to click on the Submit button on the day before my payment was reported as delinquent. I have never been 30 days late on this or any other account in my entire life and, unfortunately, due to the stress of COVID, I accidentally did not submit my payment. Honestly, I thought I had submitted it and I don't know what happened. The mortgage company can review their logs and they will see that I was online on their website on the day before 30-day mark hit. I am deeply affected by this financially ( interest rates ) and I would like to apply for a better mortgage because this company has been excellent. The pandemic took its toll on many lives and I hope mine can be helped.
07/11/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	AR 72761	Web
On XX/XX/2023 I attempted to withdrawal {$200.00} out of my checking account. The ATM froze while showing your cash is dispensing on the screen. I filed a dispute and on XX/XX/XXXX Arvest bank gave me the {$200.00} back in my account. On XX/XX/2023 Arvest bank took the {$200.00} back out of my account. Their reason was, following the investigation the ATM audit came back as if the money did in fact dispense. But it did not. So I filed a police report with the XXXX Arkansas police department regarding this mishap because I can not request video footage showing that I did not get the money from the ATM. So I figured the police department could. But as of today, nothing has happened. And I can not file another dispute unless I have more evidence to support me.
05/04/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92555	Web
I called back and emailed to request PMI be removed because the house had increased in value and paid for Broker Price Opinion which they reflected a lower value and I do not believe they did a good job which was related to Arvest. previously I told them that I had filed for XXXX and I also received a new BPO price that would allow the removal of the PMI so I am confused as to why they have not removed the PMI. I was also inquiring about COVID-19 relief and was told someone would call me back and I have not received a call back so disappointing. I am also being charged a late fee during COVID-19 and requested time and relief. This is serious no response when customers need it please help I can only imagine that I am not the only person this is happening to.
01/02/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 341XX	Web	Older American
On XX/XX/XXXX I received an insurance check for a roof leak. This check was for {$5600.00} and the adjuster report shows predominantly painting and mold prevention. Damage began in XX/XX/2018. I immediately mailed the check to my mortgage company, Arvest and made an appointment with my painter to repair. The mortgage company is on the check along with my name. I also signed a form they wanted and included the adjuster report. Currently they will not answer my e-mails. I've cancelled my painter twice. I have never been even a day late on my mortgage payment. Please help, I need these black spots on my ceiling repaired. Their e-mail is XXXX. Phone is XXXX. I've spoken to them and they told me the check was put in the mail on XX/XX/2018. I do not have a check.
01/03/2018	Yes	Checking or savings account Checking account	Problem caused by your funds being low Bounced checks or returned payments	OK 73160	Web
As of XX/XX/XXXX my account with Arvest was overdrawn $ XXXX including {$130.00} in over draft fees. On XX/XX/XXXX a check from the XXXX XXXX XXXX XXXX XXXX was deposited in the amount of {$1500.00}. The date the check was deposited the the account was brought to $ XXXX. On Saturday XX/XX/XXXX the {$200.00} credit from the deposit was reversed and the check was placed on a one week hold. Arvest has deposited several checks ( over {$1000.00} ) from the XXXX without placing a hold on the account prior to XX/XX/XXXX.XX/XX/XXXX a payment was scheduled to come out of our account with Arvest to pay for our water bill. Since Arvest has placed a hold on our deposit. Our water is now turned off and we must pay an additional {$20.00} to have the water turned back on.
09/02/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 303XX	Web
My mortgage servicer, Arvest Central Mortgage, has charged me a {$10.00} fee for " a fax for a payoff quote '', which I never agreed to. The fee is set arbitrarily and since my mortgage was bought my XXXX XXXX, I never agreed with Arvest Central Mortgage on these fees. What is more concerning, is this " fee '' never appears on my account history or is disclosed anywhere. I feel that this sort of behavior is highly predatory, as Arvest Central Mortgage could pick whatever fee they want and then not disclose it to anyone. What is stopping them for making it {$1000.00} dollars instead of {$10.00}? Why is it not appearing on my account history. I talked to them and told them I am would like the fee waved, but they refused, telling me to call my title company.
12/22/2022	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	OH 45239	Web
I had filed XXXX XXXX in XXXX and paid I to it for 2 years. I paid well.over the amount I had filed for. In XX/XX/XXXX, my attorney had asked for payments to be stopped since I had paid way over. The courts dismissed the XXXX XXXX and I made a payment to the mortgage co to.be back on track,, they took the payment and the next month I went to make a payment again and they advised me they could not take my payment because I was in foreclosure. The, Arvest Central Mortgage is not wanting to work with me on making my payments. This is an ongoing problem with Arvest. I have been In My home for 15 years and can not afford to walk away. Nor can I afford to.pay lawyers to take my case. Everything else was paid off in the XXXX XXXX and the mortgage as well.
05/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34771	Web
i called the company to inquiry about the Forbearance program due to covid 19 but I did not enrolled on it, they told me that if I get enrolled I would not be reported to the credit bureau. Howver I received a letter from the bank asking my ok for the forbearance program, when I called they told me I was automatically enrolled so I did not need to do anything and no reports where going to be made to my credit. I requested to be cancelled on this program as I never authorize in writting having me put in this program. Today my credit score dropped from XXXX to XXXX becuase they reported the forbereance in my credit report which is not alligned on what they told me. I never been late on my payments. I request this mark to be taken off my credit report
03/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72204	Web	Servicemember
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 which states I have the right to privacy. Furthermore 15 USC 1681, Section 604 ( A ) ( 2 ) also states that Consumer reporting agency can not furnish an account without my written instructions. I did not give my written permission. Nor was I given the option to opt out of such reporting which is my right. In addition under 15 USC 1666 ( B ) a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose. On or about XX/XX/2023 Arvest Bank reported a late payment on all 3 bureaus. I have spoken to customer service at the bank and on the phone with no resolution to this issue.
02/09/2018	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	KS 667XX	Web
On XX/XX/XXXX I checked my Arvest checking account online and had two transactions pending but these did not overdraw my account. They were both automatic withdrawals and I'd received emails from both companies stating that they had successfully withdrawn from my account on XX/XX/XXXX. On XX/XX/XXXX. I shopped at XXXX and overdrew my account. HOWEVER, Arvest waited till XX/XX/XXXX. to post all 3 transactions so that I had 3 overdraft charges. This is not the first time they have done this to me and therefore they get as many overdraft charges as they can. I've tried to talk to customer service about this but they tell me it all depends on when the companies state they want their money. None of that makes any sense to me. PLEASE HELP
06/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 190XX	Web
Hi, Thank you for your attention to the following matter. My mortgage was sold to a new company ( below ). I was not informed of the change and I continued paying the original mortgage company that I have contracted and built my vacation home with. After finding out 30 days of the transaction took place, I did contact the mortgage company in the discussion, and I was assured that I have 60 days to transfer the funds and pay the first mortgage month. However, after 30 days I was reported to the credit bureau impacting my credit in, what I believe, unfairly. The account is current at this point. Thanks in advance XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Mortgage Acct # XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
08/01/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OK 741XX	Web
I first had the issue with Arvest bank releasing my funds to me that I deposited. Because of how they had instructed my mom and I to sign the back of a check. Then they released funds and did not tell me procedure about how much I could use. So then a day later they take the funds back and close out my account. Staying at first the check was bad check. Which in fact it was not normal was it ever. Then they switched there story 7 times before finally just staying I can't get my funds released until the end of the month. I'm XXXX with XXXX due in XXXX and have XXXX kids. We are now out a home another month homeless and I have been to hospital XXXX due to XXXX XXXX and just can't believe this is happening. I did nothing wrong.
03/01/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 33157	Web
I would like copies of Insurance premiums and cashed checks from my mortgage company Arvest Bank. As you can see for the year XXXX and XXXX stick out like sour thumb. You have closed case XXXX with out any merit or have given me copies of the Insurance Premium as well as cashed checks this has ROBO SIGN all over it, Also you have falsified and alter XXXX contract. Please see attached as you have removed the SCOPE OF THE WORK as well as the amount ROBO SIGN again. I have copies of originals Contracts from XXXX XXXX with initials in every page as well as a notary stamp with different dates. Also please see attached a copy of a new Authorization form from my new Attorney XXXX XXXX. This is not a duplicate complaint
11/09/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30188	Web
I closed on a mortgage with XXXX Mortgage XXXX NMLS # XXXX on Wednesday XXXX XXXX, 2015. My first payment was due XXXX XXXX, however, I sent it in early and it cleared my bank of XXXX XXXX. I then received a notice from XXXX XXXX XXXX Mortgage on XXXX XXXX that they were transferring my mortgage to Central Mortgage Company NMLS ID : XXXX. I received a notice from Central Mortgage confirming transfer, however, they are saying that I still owe my XXXX XXXX payment. I have tried calling them about XXXX different times, however, their phone number has been busy and they have not responded to my email. I find the lack of contact information on their website or any way to contact an actual person to be very deceptive.
02/01/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	OK XXXXX	Web
I bout XXXX XXXX online from XXXX for XXXX on the XX/XX/XXXX the funds came out of my account on XX/XX/XXXX for XXXX. I never did get the tires they were shipped XXXX tracking # XXXX they were delivered to the wrong address. I file a complaint XXXX XXXX They { XXXX } could no find my tires and has noted them as missing undelivered to me. Some one by the name of XXXX signed for the tires I dont know them and that is not my name. I called XXXX XXXX time they told me the order went out from a third party and they can not do a refund and that I would have to dispute it with my Bank. Called my bank opened a dispute on XX/XX/XXXX I was told me it could take up to XXXX days I am getting nowhere with this please help
12/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 949XX	Web
Hello, For a property I own that is serviced by Arvest Mortgage Company, my property management has documented proof check was printed and I have a statement from my property management company noting date, check number, and reference number for the date. The management company has been doing accurate payments for years this way so I doubt they would choose this time to falsify a document/statement. I have had YEARS of on time payment. I have provided all this documentation to Arvest but they will only communicate via mail and refuse to address this mistake. XXXX site which should allow me to dispute with uploading information does not forcing me to mail documents in which is timely and horrible.
10/07/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 194XX	Web
While in the process of refinancing our properties we learned that one of our current mortgage holders Arvest central mortgage company miscalculated the annual escrow analysis and raised our monthly payment by XXXX per month without notifying us. We only found out because the company we are refinancing with showed us a report that has us marked as delinquent for the last 2 months payments on this property with Arvest ... .again this is because our automatic monthly payment sent each month did not cover this newly incorrect monthly payment amount. Because of this incorrect delinquent notice on our record our reference has not gone through costing us extra money each day this issues is not corrected.
11/15/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AR XXXXX	Web
Arvest Bank and Arvest Mortgage have recently merged, creating many issues. - Online payment systems aren't accessible - Phone support is lacking and can not provide information - Information about the merge has a date of XX/XX/2022 on the letterhead but customers didn't receive the letter until early XXXX notifying us of the change less than a week away. - XXXX XXXX was slated to be the day that the mortgage information was back online, but it's now XXXX XXXX, and the website still is not functional. - Poor communication : Customer support is unable to provide a date - Potential Credit Score hits : I'm concerned that my account may show that I was late on my payment due to this change.
05/19/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77406	Web
I have a house mortgage with Arvest Central Mortgage. I have my escrow account with them as well. Now last year my house loan was sold by previous lender to Arvest Central Mortgage along with the escrow account. Now I would like to remove the escrow, so I reached out to Arvest and they are saying that I'll have to pay 0.25 % fees of outstanding principal amount. Which is very unusual, unfair, and not standard practice. Usually if the home owner has put 20 % down payment then usually I have never seen another bank/lender asking any fees for removing a escrow. Also, my previous lender told me that when you remove escrow you will not be charged any fees with this new Arvest Mortgage lender.
03/19/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 770XX	Web
On XX/XX/23 I sent a letter requesting the mortgage company pay a tax bill of {$2400.00}. I submitted a coupon for ONE tax bill of this exact amount to the mortgage company. I had some money in escrow and wanted to apply the funds to that ONE bill as I mentioned on the phone. I received a call to confirm, I said yes. On XX/XX/23 Arvest bank made a payment of {$6600.00}. My mortgage has now increased over {$1000.00} a month. The other taxes were not yet due and I did not request this payment. This has caused significant financial strain. The representatives listened to the calls and admitted this was an error but the Mortgage company has yet to offer solutions to assist or to help.
10/20/2015	Yes	Credit card	Overlimit fee	AR 72015	Web
Security Bankcard Center , Inc. advertised as if they were ARVEST Bank. I have a corporate card. I have been paying my monthly credit card bills, up until XXXX 2015. I found out that Security Bankcard Center has been charging me over $ XXXX {$100.00} per month for my pending balance on my credit card. This was never listed in the contract that this company would charge in excess of $ XXXX {$100.00} for carrying a balance. They advertised in a false manner. I do want to pay the card continuously, but after the card company reimburses my card for all of the money they have charged over a year just because I had a certain balance. I do have the contract. I want this matter resolved fairly.
05/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA XXXXX	Web
Hi, I have been informed when I started myForbearance Plan with XXXX XXXX XXXX XXXX that my credit score will not be affected. This has also beenwritten in their Forbearance Plan that credit scores will not be affected. The Credit Bureau has informed me recentlythat my credit score has been impacted and lowered severely because of my Mortgage loan ( ForbearancePlan ). I am disputing what happened, and I was hoping you could help me restore my credit score as it used to be because this doesn't seem right and not fair. Please, I am looking forward to your helping me resolve this matter by contacting the3 Credit Bureau ( XXXX ) as soon as possible. Regards XXXX XXXX XXXX LOAN # XXXX
03/26/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 07110	Web	Older American
WE HAD A 30 YEAR CONVENTIONAL MORTGAGE PAYING XXXX DOLLARS PER MONTH WITH XXXX OF PRINCIPAL. IN XX/XX/XXXX OUR MORTGAGE WAS HIJACKED IN THE BIGEST WELTH TRANSFER SCAM IN HISTORY. FROM XX/XX/XXXX TO XX/XX/XXXX WE WERE NOT ABLE TO MODIFY THE EXISTING MORTGAGE. FINALY IN XXXX ARVEST MODIFIED THE MORTGAGE BY ADDING THE {$85.00} XXXX IN ARREARS TO THE ORIGINAL 30 YEAR MORTGAGE. THIS IS A FRAUD. THE XXXX SHOULD HAVE BEEN REPAYED WITHOUT TOUCHING THE ORIGINAL MORTGAGE. WE ALREADY PAYED THE XXXX DOLLARS WITH INTEREST. WE WANT OUR ORIGINAL MORTGAGE BACK.!!! BUT NOW WE HAVE XXXX PART 2 WHICH WILL BE MUCH WORTH THEN XXXX. STOP THE GREED OF THE SHARKS!!!!!!!!!!!!!!!!!!!!!!!!!!!!
11/24/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 609XX	Web
Arvest Central Mortgage Co ( XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXAR ), charges {$5.00} processing fee for paying mortgage online, and {$10.00} over the phone. Before Arvest bought my loan, i did not have to pay these fees to pay over the phone or online. This forces me to mail in a payment and manage a portion of my money non-electronically like the ever single other aspect of my finances and creating a major inconvenience, or pay the extortion fee. This is illegal, immoral, and i feel i am being taken advantage of, because I have no control over who buys my mortgage. over the life of the loan, that will equal to a minimum of {$1800.00} in fees that were not disclosed at all.
11/06/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 295XX	Web
XX/XX/XXXX contacted mortgage company regarding insurance payment status as insurance was due XX/XX/XXXX and I received a termination letter in the mail. Lady states they have information pending payment from mortgage company. Issue should be resolved soon. XX/XX/XXXX spoke with XXXX manager at mortgage company was told they would call and find out information about it and call me. No return call. XX/XX/XXXX spoke with XXXX and was told payment was going to be released and will be paid XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX spoke with insurance company no payments have been received XX/XX/XXXX spoke with XXXX and he states they are still working on it and it will be paid.
06/08/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 20902	Web
After refinancing my mortgage a payoff was made to the original lender, Arvest Central Mortgage. The payment to Arvest was {$3000.00} over the payoff amount. Arvest 's policy is to deposit those funds into the escrow account and hold them for three weeks ( 14 business days after the payoff and then several more days to mail a check ). These funds were never earmarked as an escrow payment and I informed the lender that they are holding those funds illegally. They claimed that they are within their rights and it is their general policy to hold all excess funds for 14 days after a payoff. As per my mortgage terms I did not agree to their holding non-escrow funds after a payoff.
02/11/2022	Yes	Checking or savings account CD (Certificate of Deposit)	Closing an account Funds not received from closed account	MO 64093	Web	Servicemember
Two deposits went in to Arvest Bank account in Missouri I closed the account at branch on XXXX XXXX in XXXX do to 1000 dollars un accounted for missing and two weeks later I went to desput the 1000 at branch on prospect and account was opened still with XXXX $ was there And I snapped on them two days in a row and they closed the doors on me not giving me the proper paperwork to despute any false transactions I had to go to branch on XXXX XXXX XXXX mo.to get proper paperwork and that was a moth later and they showed me more new information bottom line the bank said I was right about me not writing checks and taking out money but it was past the time frame to dispute it.
02/26/2021	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	AR 720XX	Web
Discrimination on a population, race, or gender. I am a XXXX woman owned business working to create affordable housing and revitalize my community through community development in Arkansas. I was wrongfully denied a mortgage loan for an investment property after being told verbally that they didn't see any problems with the loan. I have collateral, good credit, relationship with the bank for 35 years and they see my monthly cash flow. There is no reason I should have been denied. I feel that the bank mislead me to think that I would be financed. This was wrong and I want justice because this isn't the first time that I have been wrongfully denied a loan at this bank.
10/03/2022	Yes	Money transfer, virtual currency, or money service Virtual currency	Fraud or scam	OK 74066	Web
Used XXXX through Arvest to put a deposit of {$500.00} on an animal. Then the recipient requested an additional refundable {$1500.00} to ship him bc he forgot to put him in the right size carrier. I requested a refund on XX/XX/22, he agreed, and then I never received it. Disputed the charge with my bank, but they were unable to recover the funds without a reason listed. Reported him through XXXX, they revoked his account, reported him through XXXX where he said he would send it next, he blocked the transaction and me, reported online through reverse phone lookup and through the online website in scams for all consumers. Repeatedly changes his name and his email.
05/26/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NY 100XX	Web
Arvest Bank is literally aiding and abetting theft of services, larceny by trick, and other torts/crimes by their account holder in their credit card charge back number XXXX. We have literally supplied signed law firm retainer agreement, itemized billing invoices, emails back and forth, legal work product, and other evidence of the authorized credit card charge by this thieving client who still owes us money under a quantum meruit theory, but this XXXX bank still holds on to a {$300.00} consultation fee now going on 6 months. This is both unreasonable, unethical, as well as illegal. Please legally and equitably punish this bank for tormenting us in this manner.
01/12/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	AR 72704	Web
I have an active account with Arvest Bank. I came to the bank and I asked for XXXXXXXX cash from my account. They asked me to sign a withdrawal cach request and they asked me to provide my ID. After that they asked me to step out of my car to see my face clearly. I got clos to the camera and they confirmed the identify my face. And they start processing the transaction. Then, they back again and they told me Sorry we cant help you the system is down. And they didnt give me my money. I ask them what should I do they said everywhere system is down and we cant give you your money. The Bank address was : XXXX XXXX XXXX XXXX, XXXX, AR XXXX, United States.
09/28/2020	Yes	Checking or savings account Checking account	Managing an account Fee problem	OK 74133	Web
Hello, My compliment is about unfair and invalid two fees were charged from my account. my bank account with Arvest is " Free Blue '' without overdraft service protection. The transactions are : XX/XX/2020 MEMO CREATED BY NSF SUPPORT : {$17.00} MEMO CREATED BY NSF SUPPORT : {$17.00} I don't know why I have been charged those fees, I tried my best to solve this problem with the bank, but the staff were very hard and not understandable, and very rude with me. Every one of the staff trying to told me this is our policy and we have to follow, and I'm not sure why they did not tell me that before when I opened my account. That's so unfair from a Bank company.
07/23/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 900XX	Web
I like to make extra payments when I can. I made one online and was told they normally charge XXXX for an online payment? My previous mortgage lenders have never done this. I would pay random extra amounts and they would not charge me and they would apply it to the principal only. My latest mortgage service Arvest Central Mortgage Company told me that they would charge me for every online extra payment. I can set up bill pay thru my bank but that they would not be able to guarantee that that payment would be applied to the principal only. I pay my mortgage in full every month and have never been late. How can they charge me extra to pay my own mortgage?
01/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32836	Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
02/06/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Can't stop withdrawals from your account	OK 73099	Web
I had ordered from a company called XXXX feet. I had XXXX transactions that equal {$180.00}! It takes a while for us to get the product so we had to wait a couple months. The owner of the company stopped sending refunds for the product and did not give us the merchandise! She has flat said she will make sure we dont! I have sent emails to Arvest bank of me not getting a refund or product and whats going on and they will not give me my money back because they said its passed 120 days old! I waited because she said thats when the product would be in and it never came! She scammed people out of thousands of dollars! XXXX should be getting my money back!
04/22/2018	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	AR 727XX	Web
XX/XX/XXXX I DID AN ONLINE TRANSFER FROM MY SAVING ACCOUNT TO MY CHECKING ACCOUNT IN THE AMOUNT OF {$300.00}. XX/XX/XXXX I SPENT THE {$300.00} ON A CAR REPAIR. i CHECKED MY ACCOUNT AFTER THE REPAIRS AND FOUND THAT MY {$300.00} TRANSFER HAD NOT OCCURRED. I CHECKED THE ONLINE BANKING PAGE AND FOUND THAT THE TRANSACTION HAD OCCURRED BUT HAD NOT BEEN CREDITED TO MY CHECKING ACCOUNT. I SPOKE TO SOMEONE AT ARVEST ABOUT IT AND WAS TOLD THAT THEY WOULD EMAIL THE SERVICE DESK. IN THE PROCESS OF THIS I HAD TO MAKE A SECOND {$300.00} TRANSFER TO COVER THE {$300.00} DEBIT CARD I HAD USED EARLIER. I WANT TO KNOW WHERE MY TRANSFER OF {$300.00} WAS CREDITED.
09/30/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	AR 722XX	Web	Older American
My cell phone wallet was stolen from my car on XX/XX/XXXX during a walk in the park outing, and several unauthorized charges were attempted, XXXX of which tied up more than {$800.00} of available credit for almost a week, the other for $ XXXXish actually posted. Unlike ALL the other banks and credit card companies I had in that wallet, who recognized the fraudulent activity and cancelled the cards- most even before I made it back to my house within the hour - Arvest allowed the charges against my account. I waited on hold for an hour later that evening - as soon as I returned home - to reach an XXXX customer service representative.
01/03/2023	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	MI XXXXX	Web	Older American, Servicemember
My wife and I applied for a mortgage loan from Arvest Bank in XXXX, OK. We started the process on XX/XX/2022. During the process Arvest Bank required us to pay a {$500.00} deposit that would be refunded once the loan closed. We promptly paid that with our credit card. The loan closed on XX/XX/2022. Since then we have tried several times to get our {$500.00} back. It has now been XXXX weeks since the closing and we have had a variety of excuses but have not received the check. If the bank had any concern about customer service they would have credited this amount at closing. Apparently we need help in getting the {$500.00} refund.
02/03/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	DE 19805	Web
I received a Marketing solicitation from Arvest Bank. I do not have any relationship with them. When I emailed them to ask me to remove my address from receiving marketing offers they responded to a link where I can do that. Any other bank would have taken care of the request instead of making it difficult to do. When I went to the link it makes you put your account number and social secure which are mandatory fields. So clearly it was for existing Customers. When I replied back their replay was another link for the Do NOT Call List. Which only asks for phone number which makes sense because it IT a DO NOT CALL LIST opt out.
08/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 92504	Web
My lender reported negative information during a forbearance. We went through bankruptcy while on forbearance, however they keep reporting red flags and discharged through the bankruptcy court. But we still have the loan and we have been on forbearance since XX/XX/2020. Filed bankruptcy in XXXX of 2020, discharged in XXXX of 2020. The lender keeps saying it was written off. They didnt let us submit a reaffirmation because they never sent in the proper paper to our lawyer. We had to get discharged with out the lender. Now we have been in forbearance up until now. Can they report negative information on my credit report?
11/23/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	MO 647XX	Web
The problem started with someone trying force a electronic check through my account I don't recognize or I don't know and I told this arvest bank and we discovered I had identity theft but the problems kept growing because of {$1500.00} electronic check that was passed through my account and then I was trying barrow enough money from these payday loans places to cover it but my bills kept adding up and piling up because of this identity theft problem so I went everyone told them about it ask for personal loan I couldn't get because because of lying cheating credit bureau using inaccurate information they gather on me
01/21/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92555	Web
PMI has not been removed and I have requested multiple time they also automatically approved me for Forbearance even though I only inquired about the process but did not request and they immediate approved me when i requested to have it removed this seems deceitful and misleading very unfair for a XXXX XXXX man to go through this seems like they are trying to find ways to not remove PMI when qualified to continue willfully charging and not terminating I wonder if they do this on all XXXX to upcharge and not remove PMI if qualified i believe they may be taking advantage and this is misleading and deceitful
02/24/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 90066	Web
Arvest Central mortgage company, I had sent in extra monies to go towards my principal. I have not missed any of my monthly payments I am on auto pay. XX/XX/2022 they received {$8000.00} XX/XX/2022 they received {$8000.00} XX/XX/2022 they received {$6000.00} Total of {$22000.00} has still not been applied to my account. I have called and had this escalated, someone calls me on a weekly basis now to tell me it's not been done yet. They also told me this has been happening to other people. This is not OK that they are tying up my money for so long, and they are just telling me that they are backlogged.
07/19/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	OK 74115	Web
Yesterday XXXX-XXXX-19 a process server brought a summons to my house to get a response. The summons is for Arvest, however the debt is for Security Bank Card. I have never received any prior communication of this debt from this company. In fact it is still showing in good standing on my credit report. Per Collection laws they must give me prior notice of intent to take me to court. This is par for this company and I am filing another complaint on their practices as well. Also filing claim under Arvest when it is Security Bankcard center is another violation of the Collection laws. Misrepresentation.
08/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 36117	Web	Older American, Servicemember
I received a notice that my credit score was impacted negatively. When I checked my score Arvest mortgage reported that I hadn't made a payment and that my payments were more than 120 days past due although I was in Forbearance at the time. Although I had resumed making my monthly payment in an agreed upon loan modification, they stated that I hadn't made my payment. My credit score dropped over 100 points as a result of this misinformation and I believe that their false reporting was an act of revenge and is illegal. I want the information corrected and the remarks removed from my credit report!
09/20/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH 45244	Web	Servicemember
I paid {$1700.00} on XX/XX/2018. My escrow increased in XX/XX/2018 by approximately ~ {$57.00}. Instead of giving me credit for most of my payment and telling me that I missed my escrow difference. They did the following : -Applied the XX/XX/2018 payment to my principle -Charging me for two monthly payments -Charging me a fee of {$50.00} -They called me and threatened my credit I made a payment, but I don't think that I should have to make three payments to overcome an oversight of an escrow increase. The company is Arvest Central Mortgage. They are an untrustworthy group of hucksters.
09/28/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MA 010XX	Web
I was on forbearance throughout XXXX because I lost my second job. Then on XX/XX/XXXX I became XXXX. FHA assisted paying my arrears. When I called XX/XX/XXXX to pay my monthly payment they said that the monies left over from FHA covered it and I was all set. Now, I am receiving a mortgage statement of {$4700.00} for XX/XX/XXXX. It states that I am behind for XXXX, XXXX and XX/XX/XXXX. I called them every month ( sometimes many times ) and they never mentioned this to me. I think I have been scammed. Arvest Central Mortgage misrepresentation at its best. Please advise. Thank you
04/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80504	Web
Our loan has been on forbearance since the beginning of the COVID-19 pandemic. During that time, Arvest Central Mortgage Company mistakenly reported us as over 30 days delinquent on three different occasions. From when I understand, they have removed it but it still caused a hit to our credit score and was a waste of time. We have since paid off the loan and hope to have it closed shortly. My purpose for submitting this is not for a resolution but to document that Arvest Central Mortgage Company is incorrectly reporting delinquencies while on forbearance. Thank you, XXXX XXXX
08/10/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 92646	Web
Greetings Senators XXXX, I write asking that you assist the XXXX XXXX to access mortgage lending opportunities. Rates are so remarkably low, to attract the attention of all, UNFORTUNATELY, self employed are shut out. I am the XXXX XXXX of my XXXX XXXX and am considered XXXX XXXX with a 4.375 % fixed 30 ( 6 years old ) ( $ XXXX mortage, {$1.00} XXXX equity, XXXX XXXX ). I am told anyone with more than 25 % of an XXXX XXXX is considered XXXX XXXX and banks are not lending to XXXX XXXX. The US mortage market needs help senator. Your consideration of this matter is much appreciated.
10/05/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 80241	Web
Our prior insurance company non-renewed our policy, so we had to pay for our homeowners insurance out of pocket. We requested reimbursement from Arvest Central Mortgage onXX/XX/XXXX, and againXX/XX/XXXX and never received a response. We called in XXXX and again requested reimbursement from our escrow account. We were then told they needed to do an escrow analysis. We requested an escrow analysis during that phone call. We called and spoke with customer service today XX/XX/XXXX and they still have not completed an escrow analysis. We again requested the escrow analysis XX/XX/XXXX.
12/13/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 104XX	Web
OnXX/XX/XXXX XXXX notified both me as owner and Arvest that the insurance policy was in danger of lapse due to non-payment. On XX/XX/XXXX, I spoke with both Arvest and XXXX and it was determined the check was returned to Arvest on XX/XX/XXXX. I also followed up with a call a week later to ascertain if the policy payment was received. It was not, and I was told by Arvest that the payment would be resent to XXXX. Here it is XX/XX/XXXX and XXXX still has not received the insurance payment covering the property for loss, both physical and rental income for this rental property.
01/15/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	TX 78739	Web
I have been trying to refinance for the past few months. I recently found a late XXXX on my credit from my mortgage company not allowing me to refinance. I have contacted the mortgage company with no avail. I made a payment for XXXX on XX/XX/XXXX at XXXX. I asked for the late XXXX to be expunged since I made the payment and somewhere in the XXXX it was still XX/XX/XXXX. I asked for goodwill since I have never missed a payment in almost 7 years with this mortgage company and always paid any late fees. My mortgage is up to date and I have roughly XXXX XXXX equity in the home.
09/27/2022	Yes	Checking or savings account Checking account	Closing an account Company closed your account	AR XXXXX	Web
I withdrew {$5000.00} out of my account to purchase lumber five days ago and the next day I tried to login my account online and it stated it was locked so I called and the rep stated I need to go to the bank so I did. Once I arrived at the branch in XXXX, Arkansas to find out whats going on, the assistance manager XXXX said that my account is being closed because I have had a lot of transactions in my account so the bank think Im money laundering. which is definitely not the case so they went off their assumptions and decided to close my account without any facts or proof.
11/11/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30126	Web
Arvest Central Mortgage Co. is my mortgage company who is responsible to disburse amounts to pay real estate taxes timely. {$2900.00} was due on XX/XX/XXXX. As of XX/XX/XXXX, the company has not paid for the real estate taxes and the county has assessed {$140.00} of penalties and {$21.00} of interests. The late payment incurred in XXXX as well. I inquired the company for a response via the company 's website. I have received that they acknowledged the message but they have not addressed the issue. Again, this is repeated the same as last year, and I never missed a payment.
11/04/2016	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	ME 040XX	Web
I received a call today from Central Mortgage Company today telling me they had not received my XXXX or XXXX payment. this is the 3rd call in the past week. I told them my new mortgage loan was with guaranteed rate and the mortgage payment to them was cashed by my credit union on XX/XX/XXXX. They said my loan was reassigned and i needed to get the money back from guaranteed rate and pay central mortgage or i would be subject to late fees and adverse credit consequences. When a loan is reassigned are n't they obligated to forward the payment? Is this follow up my obligation?
08/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 949XX	Web
We made timely electronic payments through Arvest Central Mortgage Companys website. They were posted timely on our XXXX XXXX Account. They have repeatedly charged us late fees and reported that we were 30 days late in XX/XX/2021 causing our FICO to drop over 50 points. We reached out to them and tried to resolve this issue. The sent a letter claiming they are correct. We sent them, XXXX and XXXX a copy of our XXXX XXXX statement showing we have consistently paid timely. They still have not fixed their errors. They also have numerous complaints against them on XXXX XXXX
08/28/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Escrow, taxes, or insurance	MN 553XX	Web
My mortgage was purchased by Arvest Bank from XXXX. They soon forced me to purchase flood insurance. Even though XXXX was not forcing me too. I have supplied them with a LETTER OF MAP REVISION DETERMINATION DOCUMENT. They have refused accept it. They have not supplied anything to me in writing. I can not get past the customer service Rep, who takes my paper work, then says they do not have direct contact with the " flood insurance '' department Attached the LETTER OF MAP REVISION DETERMINATION DOCUMENT Attached Mortgage State with loan info and showing the forced payment.
08/28/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	TX 75134	Web
I applied for Arvest credit card on XXXX the XXXX of 2019 and I was told that my application was pending and I was approved on the XXXX of XXXX 2019 ... and I check my XXXX credit report.. and I noticed there are two inquires and one of them is valid which is XX/XX/XXXX and I Called Arvest bank and the customer service rep told me that I have to called XXXX and open a dispute and I try this but XXXX told me I have to dispute it with Arvest credit card ( securitybankcard ) to have this inquire removed ... and until this day the inquire is still remain on my credit report
11/17/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 91744	Web	Older American
Arvest is the present mortgage company prior that was XXXX. When began forbearance XXXX in XXXX promised to waive accumlated ate charges if I got caught up with payments which I did.. But then they regnigted and suddenly sold the loan around XXXX giving me a two dsy notice. Similarly having same problems with new mortgage company. The noted late charges accumulated {$1800.00} XXXX promise to forgive / wave back in XXXX in keeping with forebearance if I get caught up in monthly payments which I did. Both XXXX and now Arvest leave been giving me the run around ever since.
12/15/2020	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	AR 729XX	Web
My arvest bank account is frozen and locked up there pressing charges on the two gentlemen that committing fraud on us I posted on XXXX that I needed help with getting my kids XXXX and XXXX XXXX and he asked for my phone number so that his account offer will be sending XXXX and he will be sending more than XXXX and I was supposed to send the rest back to his partner and I have all texted and messages from both gentleman and lucky my bank cought this and is helping us press charges and my name is XXXX XXXX if you need anything from me please contact me please at XXXX
12/18/2017	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	MO 64804	Web	Older American, Servicemember
XXXX XXXX XXXX transaction was erroneously debited to XXXX XXXX 's checking account for {$180.00} leaving an XXXX year old woman with no money for the remainder of the month. The account became delinquent Friday, XXXX XXXX, 2017 because of an error by the bank.The Arvest Bank Representative on XXXX XXXX XXXX in XXXX, MO referred to it as an " error '' and the best they could do is credit the account possibly in 10 days time. Truly not acceptable when a financial institution has the ability to credit faster and the bank representative had concluded his investigation.
04/04/2017	Yes	Credit card	Other	OK XXXXX	Web
I asked the credit card company to allow me to join the hardship program. They sent me a form to complete in XX/XX/2016. I also sent in a payment of the negotiated amount of {$130.00}. They cashed the check and said they did not receive the form. The check was with the form. I continued to pay {$130.00} for the month of XX/XX/XXXX and XX/XX/XXXX and so on. Because they claim they did not receive the form they reported late pays for XX/XX/XXXX & XX/XX/2016 to all XXXX credit bureaus. I am wanting them to remove the late pays as a result of their negligence.
06/21/2021	Yes	Money transfer, virtual currency, or money service Money order	Confusing or missing disclosures	CA 92503	Web
XX/XX/2020 XXXX XXXX was transferd out of my banking account. XX/XX/2020 Money orders and checks including wire transfers and banking accounts were made. XX/XX/2020 numerous police reports were made and my alarm was sounded, and police were sent out to house, no one was found however we did find footage on our security camera.. my debit card was stolen and immediately after large amounts of cash from our banking account came up missing. Six months later another inheritance was found and retrieved and chased with out my knowing by my father XXXX XXXX
02/17/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 945XX	Web	Older American
I sent you a complaint back in XXXX/XXXX/XXXX case # XXXX reguarding Central Mortgage Company. of course their reply was all lies as they did back in XXXX. I was told to miss paymentss told to miss payments until a re-fianc or Modification could be reviewed and signed off. Instead they used late payments against me and foreclosed on my property. They even had it on the market before anything was settled. I now only have until XXXX XXXX, XXXX to get justice They owe me what they sold my house for. I want your help to get me justice. Thank You XXXX XXXX
07/23/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91364	Web
Arvest has been consistently messing up on the account numbers associated with our account and not processing payments. We have had checks returned with insufficient funds and automatic transfers not go through. They continue to assess us fees for this, even though it is their fault, and are demanding we pay the mortgage over the phone for a {$10.00} fee or they will report us to crediting agencies and hurt our scores. The fault is with Arvest, not with us, and they are illegally trying to get an additional {$10.00} from us for our mortgage payment.
06/22/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 925XX	Web
My loan was sold to a new servicer. I received a letter from my new servicer Arvest Central Mortgage Company that they do not pay my property taxes thru my escrow account. Everything I have read states that the terms of my loan remain the same. I want it to be the same terms that I had before. Also my other mortgage company gave them the excess amount in my escrow account to cover this. I was told by them that it takes 90 days for them to review my escrow account. They also charge a fee to pay online. They took over my loan as of XX/XX/2020 2020
01/26/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 801XX	Web
I have made a payment through XXXX on XX/XX/XXXX that has been confirmed to have posted to you on XX/XX/XXXX for the amount of {$1200.00}. It is not in suspense. I have called multiple times and nothing happens. The customer service people can only email the cashiering dept. This amount should be in suspense until the other half of my payment is completed. This is ludicrous that I need to continue to call to see what the XXXX is going on. You are welcome to check the account history bc there have been nothing but problems since the merger.
06/22/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	ME 041XX	Web
I have a mortgage with Central Mortgage Company. I was a few days late in 2013 and they waived the late fee. Over 2 years later I was late by 2 days and they assessed a {$69.00} late fee which they would not consider waiving. The following month my payment was timely but they rejected the payment after the time period for when payment was due making the payment late. They assessed another {$69.00} fee to spite their agreement that there was no way for me to make this payment on time. They are abusive and their actions should not be allowed.
01/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	PA 15642	Web
I recently received " Balance Eraser Loan Program '' ID card in the mail. from Arvest Bank. I DO NOT want any prescreened offers sent to me. When I tried to go to the XXXX, they requested my social security number to proceed. Due to recent date breaches, I will not give out my number but do not wish anyone to assume I want unsolicited offers. The information sheet that was sent to me involved XXXX, XXXX, XXXX, and XXXX Consumer assistance. I do not want any offers of credit from anyone. If I want credit information, I will request it. XXXX
04/24/2023	Yes	Checking or savings account Checking account	Managing an account Fee problem	OK 73119	Web
I used an Arvest Bank ATM. I withdrew {$40.00} and agreed to a {$4.00} ATM fee. My receipt showed this {$44.00} amount too. An undisclosed fee named as XXXX XXXX Oklahoma Fee XXXX that I didn't authorize and wasn't made aware existed was also charged for the ATM debit by Arvest Bank XXXX The " XXXX, Oklahoma Fee '' amount was {$2.00} I've been charged fees twice.I didn't authorize the second fee and didn't agree to it. This fee was not disclosed by the Arvest banking institution on the receipt and shouldn't have been added arbitrarily.
01/15/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	RI 02891	Web	Older American, Servicemember
XXXX Veteran, lost job, had a fire in the building, tenant using space heater,XX/XX/2015, City Fire Marshall wanted to shut down the building unless owner upgraded the electrical wiring in the building, no money for this, quotes around 15,000 dollars, tenants move out, as fire marshall stated, '' Building is unsafe ''., one year and half no tenant income, must upgrade the electrical system, fell behind on all payments, struggle to upgrade, now upgrade is complete, mortgage is behind for 3 years ... .need desperate help financially.
04/06/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 76039	Web
My mortgage servicing was recently transferred to Central Mortgage Company. They are charging me a {$5.00} fee to make one-time payments online. This is an unusual and unfair practice, especially in 2016 in which all banking and payments are done online electronically! In my loan documents, it was stated that there are no prepayment penalties. Well, this " fee '' is a penalty, in which if I wanted to make more payments in a month to lower my principle I am being penalized. Please help as this ca n't be an acceptable practice.
12/07/2023	Yes	Checking or savings account Checking account	Closing an account Company closed your account	AR 72015	Web
I filed a XXXX and XXXX clain on XX/XX/XXXX through Arvest bank account insurance. I called on XX/XX/XXXX because I could not get into my online account and they told me they were closing my account. They did not have a valid reason for closing my account. That same day I received a letter in the mail requesting additional information for my XXXXXXXX claim. On XX/XX/XXXX, a letter was sent out by Avest declaring they are clsoing my account. It appears that they are closing my account because I filed an insurance claim.
12/20/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32809	Web
My loan was transferred to XXXX XX/XX/2019 from XXXX. A letter was sent to us that denied our request to drop PMI. The principal balance was about {$200000.00}. Our house sales price was {$420000.00}. According to the loan to value we meet the guidelines to drop PMI by XXXX XXXX. Why did they continue to charge us? WE are way below the 80 %. The company has been charging us {$63.00} a month for no reason. I have called, but no response from the PMI department. The customer service rep says they do not take calls.
11/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 761XX	Web
On XX/XX/XXXX I sent a letter to your company via mail regarding an account that I have with your company. I am only submitting this through CFPB as another form of communication because I have not heard back regarding the late payments on my account. I have been a loyal client since XXXX and I really appreciate our business relationship. Please see the attached letter that was mailed on XX/XX/XXXX. I really hope to hear a favorable decision from Arvest Mortgage. The account in question is ARVEST MORTGAGE XXXX
11/03/2020	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account status incorrect	MA 02043	Web	Servicemember
During the pandemic, we put our loan with Arvest Central Mortgage XXXX loan # XXXX XXXX on forbearance. I was told by Arvest this would not effect my credit score. We sell the property XX/XX/2020. Today, I get a message from my bank about my monthly credit score is updated and it shows XXXX. My score usually runs in the 790s. The only negative reflection is Arvest Central Mortgage. I contact them and they can not tell me why. I am waiting for them to a review and remove the negative impact on my credit score.
12/11/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MD 21784	Web
In XXXX of XXXX, Applied for help throught XXXX XXXX XXXX ( XXXX ) to negotiate a lower rate on mortgage paid approximately {$4500.00} total for the help. In XX/XX/XXXX was told could not do anything for us and to look at filing CH XXXX. I later found out XXXX was not licensed to do business in the state of MD. Had a previous mediation, had to borrow $ XXXX to keep from losing the house. Had a company write a complaint to CFPB, but it was never filed. I feel my wife and I were victims of predatory lending.
04/12/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NJ 07110	Web
The last complaint we submitted was misunderstood, and misinterpreted by ARVEST. In the said complaint we are clearly referring to the XXXX modification, which was the consequence of the XXXX Financial Mortgage Fraud. As we said before we will examine the loan in its detail and eventually we will contact ARVEST and this Agency in the near future. We have requested from ARVEST a copy of a complete History of the Loan from its Origination in XXXX until the Present. Thank you for your attention.
11/16/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77429	Web	Servicemember
On XX/XX/XXXX I paid {$520.00} to Arvest Central Mortgage for an appraisal. As of today, the appraisal was never carried out. The loan has been transferred. I received a refund of {$200.00} not the total {$520.00} for services that has never been rendered. My loan has been transferred and they have charged me {$390.00} ( XXXX ) for PMI on XX/XX/XXXX and XXXX. They no longer carry the mortgage. I have yet to be refunded to the total appraisal paid of {$520.00} and my escrow balance of {$5700.00}.
08/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CT 063XX	Web
We recently purchased our home. XXXX XXXX is the mortgage holder. XXXX XXXX apparently sold the loan to Arvest. The sale of the loan, we are told, closes on XX/XX/2023 ; however, and for the past two weeks, both of the Lenders have reported the same loan to all three credit agencies. We have only one loan! We have tried to get this addressed and rectified ; however, we have been told essentially that " too bad '' and it will get fixed at some time in the future. This is entirely unacceptable.
08/09/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH 44131	Web
I closed on a refinance on XX/XX/2020 and paid off my old mortgage on XX/XX/2020. I had nearly {$11000.00} in the escrow account of my old mortgage. Based on applicable government regulations, the escrow balance should be returned to the borrower within 20 calendar days of a payoff. I called my old mortgage company to confirm this ; the phone representative confirmed that I will receive an escrow refund check in the mail by XX/XX/2020. However as of XX/XX/2020 I have not received any payment.
05/19/2021	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account status incorrect	OK 74133	Web
This payment was received XX/XX/XXXX of 2021. This was a Monday following the weekend of a 28 day month. The payment was listed as 30 days past due when it was not 30 days. Typically a payment received on the first day of the month following the weekend is considered on time because the bank is not open Sunday despite the fact that it was not 30 days late as reported. This account and all my accounts have an impeccable payment history is current and should be deleted from my credit file
05/19/2017	Yes	Checking or savings account Checking account	Incorrect information on your report Information belongs to someone else	AR 719XX	Web
My name is XXXX XXXX . XXXX XXXX XXXX . I was recently released from XXXX XXXX on XXXX XXXX 2016 . Upon running my credit report I discovered several accounts had been opened under my name and social security number. I filled a police report with the XXXX Police Deepartment noting the fraudulent activity. I would ask the bank please remove the checking account overdraft charges in the amount of XXXX for the account ending in XXXX . I have contacted Arvest Bank.
11/03/2019	No	Mortgage Conventional home mortgage	Trouble during payment process	LA 70726	Web
Will not rehash on earlier complaint they didnt fully address, only wish Arvest Central Mortgage to admit that once they were notified that our home was condemned that we had no other option, per our contract, but to pay off the loan with the insurance funds.For Arvest to continually refer to a conversation before this date is irrelevant as they didnt have the funds, or all the information to say what we could or could not do with those funds, before we notified them of these findings
11/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA XXXXX	Web
I hired a company called XXXX XXXX to monitor my credit and to protect me from Identity theft. On XXXX, I was informed by XXXX XXXX that Arvest Central Mortgage company has reported to the Credit Bureaus that XXXX of my accounts is in major derogatory. I don't have an account in major derogatory, and all my mortgage payments are paid on time. The incorrect report from Arvest to the Credit Bureaus has lowered my credit score significantly and hurt my credit history severely.
02/24/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 78633	Web	Older American
Two issues with Arvest Mortgage 1. They are slow-walking my escrow refund. The My original request was made in XXXX. They have requested forms to be signed and payments to be made. They claim to lose the forms and the checks. They are holding {$10000.00} of my money. I have asked repeatedly by phone, email, and letter. 2. In early XXXX they promised to pay my property taxes in XX/XX/XXXX. Instead they paid them in XXXX, which cost my {$840.00} in extra federal income tax.
04/13/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA XXXXX	Web
To Whom It May Concern at CFPB, Since XXXX, I have held a mortgage with Arvest Bank for my home. As part of their service, they handle property tax payments through an escrow account. However, in XXXX, they neglected to pay the county tax, which is currently accumulating penalties. Despite my attempts to contact them for assistance, they have not taken any action to rectify the situation and pay the outstanding tax. I appreciate any help you can provide in this matter.
07/27/2015	Yes	Bank account or service Checking account	Problems caused by my funds being low	MO 64155	Web
I owed XXXX bank an amount of money have paid the amount off over almost XXXX years ago. Arvest bank has since purchased XXXX bank and has refused to take debt owed off my credit report even though arvest has given me letters stating the balance was paid off. I have sent numerous emails and made numerous phone calls all which have said they will take this off my credit report. They have never taken this off my credit, and are now failing to return any calls or emails.
08/30/2022	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	AR 721XX	Web
My payroll is directly deposited into my checking account biweekly on Friday morning just after XXXX midnight. I pay bills as normal both Friday and Saturday with my debt card with no problems. Now, I thought debit purchases come directly out of the account. Why is it that I have had insufficient funds for the past three pay periods because Arvest puts the transaction? I have been charged four insufficient charges today and it should only show one. Thanks XXXX XXXX
07/31/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account information incorrect	OK 731XX	Web
I have had a personal line of credit with Arvest for almost 3 years with no late payments. I recently advanced to just under my credit limit. Although I make my payments on time and I have never exceeded my credit limit, Arvest Bank is negatively reporting that I am over my credit limit although I am not. This is negatively impacting my credit, and it could have large negative impacts on a mortgage loan I am in the process of getting for a newly constructed home.
10/21/2023	Yes	Mortgage Conventional home mortgage	Closing on a mortgage Changes in loan terms during or after closing	SC XXXXX	Web
Blacklist defamated discriminated forgery restricted ilegally retaliated persecuted ilegally They asked for a {$50000.00} US dollards down payment and I gave it to them... also my monthly payments were not calculated properly ... .also, price did not match others, price of townhomes ... ..it is still mine... .forgery, but it did increase in value... damages after that ... will not disclose damages unless asked 2008 ... until today ... Fraud, a short sale?, etc
04/14/2015	Yes	Debt collection Mortgage	Communication tactics Frequent or repeated calls	AZ 85340	Web	Servicemember
My loan was sold to Central Mortgage in XXXX of 2014. At that time I requested a due date after the XXXX because the majority of my income comes from XXXX and I have a better sense of what I 'll have in income during the last XXXX weeks of the month. Do I have accrued monthly late charges and unrelenting phone calls outside of normal business hours. The fact that they are aware of the entire situation leaves me perplexed. Please have them stop the harrassment.
07/04/2023	Yes	Checking or savings account Other banking product or service	Opening an account Account opened as a result of fraud	NC 28540	Web	Servicemember
Received a ( phishing? ) text from XXXX with : ( ARVEST ) We are having problems with your current security measures. Visit https : //arvestbkx.dyndns.org/ to verify. Four hours later I receive another text from XXXX with : Phone number ending XXXX has been added to your online account. If this was not you visit XXXX XXXX XXXXXXXX NOW. I have not clicked the links in either text because I do not have an ARVEST account. I never even heard of the company.
01/02/2024	Yes	Checking or savings account Checking account	Managing an account Cashing a check	OK 74801	Web
I tried to deposit a check for {$900.00} the agent came back and said we the bank can not deposit your check and told me account was set to close XX/XX/XXXX give me my check back. I also mailed a registered security to security transfer agent instructing the agent to wire my certificate of indebtedness to my TREASURY DIRECT ACCOUNT with the proper stamp and endorsement. That item was mailed registered mail XX/XX/XXXX. It's not reflecting in my account.
10/28/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 77433	Web	Servicemember
I have tried diligently to contact Arvest Central Mortgage to request the complete loss mitigation evaluation process and Im never able to get through to a representative. Im just placed on hold and forgotten about. Im a XXXX XXXX citizen, and have documented these interactions. Furthermore, the company is moving forward with the foreclosure process despite the CFPB rule regarding the pause on foreclosures as a result of the pandemic until XX/XX/2022.
07/31/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	TX 75134	Web
Hi I applied for a Arvest gold credit card and I was approved on the XX/XX/XXXX and the card was sent out on the XX/XX/XXXX and I never received my credit card and I waited and waited and I have a business to run and I dont Have time to be on the phone and talking to customer service agent and I try to see if they can XXXX it to my address it been over 10 business days but the lady told me there system is broken and she has to mail it regular mail ...
08/22/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MO 641XX	Web
My mortgage was sold to Central Mortgage Company, based out of XXXX XXXX, AR. In order to pay online they charge a {$5.00} convenience fee. In order to send an extra payment they charge a convenience fee. In order to set up bi-weekly payments, they charge a {$200.00} fee PLUS {$3.00} per payment. All of these fees seem shady at best, and I did n't choose this company as my mortgagee. I feel trapped with no recourse for this company 's ridiculous fees.
03/20/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 952XX	Web	Older American
1. Statements/ billings for months already paid and payments cashed. 2. Late statements. 3. Inaccurate totals on statements. 4. Extra principle payments misapplied to wrong accounts. 5. Failure to correct statements after repeated phone calls. 6. Cashing monthly mortgage payments weeks after mailed. 7. Failure to respond to written letters. 8. Past due charges made on payments already received. 9. Failure to adequately service my loan
08/18/2023	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	MO 656XX	Web
I was in a vehicle accident and my money was thrown from vehicle my purse and most contents of my car was thrown out.. 1 month after wreck the money was located and brought to me with some other belongings. I had some 20 bills that had been damaged due to being exposed to the elemehts. I tried to exchange the money with my bank and XXXX was returned and deemed unacceptable without reason. I was hung up on with no resolution presented.
08/05/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NC 28214	Web
I have my mortgage with Central Mortgage Company and they charge a processing fee of {$5.00} every month when I pay online. I have XXXX other mortgages that do n't charge fees for this, and my mortgage was sold to Central Mortgage Company so I had no decision on which company would hold my mortgage. It seems a little rediculous to be charged {$5.00} a month for paying online when there is not a processing fee if I pay via mail.
08/22/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 613XX	Web
When I send in my payment and payment coupon with extra money to be applied to the principal, my mortgage company applies the entire amount as additional principal and NOTHING to my monthly balance, resulting in late payment notices and penalties. Im currently paid through XX/XX/2019 and Im being told I still owe for XX/XX/2019. I have talked to them 7 times and followed their instructions twice and still have this problem.
05/16/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92262	Web
I paid off my home mortgage on XX/XX/XXXX. The mortgage company owes me back the remaining sum in my escrow account, plus an extra mortgage payment that they took on XX/XX/XXXX. They are claiming that they need 4 weeks of " processing time '' to issue me my refund check. This is basically holding on to money that is not theirs for an unreasonable amount of time. These refunds should be processed in a matter of a few days.
05/26/2021	Yes	Checking or savings account Checking account	Incorrect information on your report Information belongs to someone else	OK 745XX	Web
On XX/XX/XXXX I mailed a dispute letter concerning Identity theft that was opened under my name with Arvest Bank. Till date I have not received any kind of response relating to my dispute of a checking account being opened in my name. I've still XXXX at XXXX XXXX XXXX XXXX in XXXX ok since XX/XX/XXXX and I have been in the Oklahoma department XXXX XXXX since XX/XX/XXXX. There's no way I could've have opened this account.
03/06/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	AR 72205	Web
Our house was foreclosed on in 2022 despite active application for XXXX emergency assistance funding. Both my mortgage bank ( Arvest ) and the law firm XXXX XXXX XXXX XXXX XXXX denied any knowledge of XXXX assistance or the XXXX proceeded ( XXXX ) and covertly proceeded forward despite this and denied us of any recourse other than lump sum repayment to make current. I have email correspondences attesting to this.,
03/29/2021	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account status incorrect	FL 33418	Web	Older American
I paid off my mortgage on XX/XX/2020 in full. On XX/XX/2020 Arvest Central Mortgage reported my account in foreclosure well after the account was paid off. This has been and still is affecting my credit during a pandemic. I have tired to resolve this issue but Arvest refuses to help and calls this complaint frivilious. This has affected me and my family for a very long time. They have ruined my life and my credit.
12/22/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	MO 64015	Web
On XX/XX/2022 I attempted to transfer money ( {$1000.00} ) from my bank account with XXXX XXXX XXXX to my bank account with Arvest bank. The money was deposited somewhere within Arvest business account. We have provided account numbers, deposit numbers, and trace numbers and Arvest claims they can not find out money. Its just lost. For over a month we have been going back and forth with no resolution in sight.
11/15/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 92505	Web
On XX/XX/XXXX I submitted a dispute for inaccurate payment history from Arvest Central Mortgage. Arvest reported my XX/XX/XXXX payment as 30 days late ; however, this mortgage was paid off on XX/XX/XXXX. I submitted a document showing the payment record from Arvest to XXXX, and disputed this with the company directly. Both Arvest and XXXX have refused to remove this inaccurate information from my credit report.
01/12/2024	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	AR 72901	Web
I put my payroll roll check in Arvest atm XXXX XXXX XXXX XXXX XXXX XXXX. Their policy states it will be available the NEXT business day, which would be today. Now Im being told I cant access my funds until Tuesday. This will cause a financial hardship on me, and it will be very hard to catch up on. If they were clear on their rules & regulations I would be in the clear right now. Please help, I really need it.
04/25/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	CT 069XX	Web
I opened a " Free Blue '' Checking account with Arvest Bank. Had a balance over {$1000.00} in the account. This was not my primary account but allowed me to have local access to a bank. I recently checked the account and noticed that a dormant account fee of {$5.00} was assessed for 6 consecutive months. It 's very misleading to call something " Free '' but they charge me over {$30.00} over 6 months.
05/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Report provided to employer without your written authorization	MD 21202	Web
On XXXX XXXX , XXXX I was contacted b y Arvest Bank Group that they wanted to request a copy of my credit report for employm ent prior to an interview or employment offer. I informed XXXX XXXX that I was not authorizing this and to remove my resume form the potential contenders for employment. On XXXX XXXX XXXX my credit was requested b y Arvest Bank Group against my consent.
08/09/2023	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	GA 30058	Web	Servicemember
there is a XXXX dollar and change lien showing on my title report and its on public record. this is definitely a mistake and needs to be erased and re recorded for the proper partial claim that was given by hud, hud is not showing this amount anywhere this needs to be corrected as quickly as possible as i am trying to refinance and i can not move forward with this lien on my account please fix it.
05/12/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92620	Web
I had made numerous payments to Central Mortgage for principal only immediate payment since 2016. When corrections were made, from a regular payment to principal only, it was posted days and even weeks later ( XXXX transactions ). My interest to pay down principal was not immediate even though the transaction history shows the received date of the money, the correction date was not back dated.
08/28/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	OK 74011	Web
After reviewing our statement, we noticed a charge on our card. This was on or about XX/XX/2019. We attempted to contact Security Bank Card several times between XX/XX/XXXX and XX/XX/2019. We had little success, and even attempted to go into an Arvest Bank Branch and talk to a Branch MANger to Assist us. Our dispute was declined, even though we had been trying for months to get it resolved.
12/18/2018	Yes	Checking or savings account Checking account	Managing an account Banking errors	AR XXXXX	Web
This is in response to Arvests banks numerous and identical answers to my complaints about their violation of Regulation Es guidelines. There is a 60 day threshold. I was instructed to get this complaint and their answer through the CFPB by the Arkansas banking, the states Attorney General and the FDIC before they would be able to proceed. You keep saying my complaints are duplicates.
11/18/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IN 46321	Web
I just refinanced my mortgage to a 15 yr fixed. I sent in my payment with an extra payment. I noticed the loan company is not reducing my interest charge based on the principle amount owed. I called the loan company and was told that my interest payment is never reduced from the amortization schedule, that I will always owe the stated monthly interest no matter what the principle is.
01/28/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NV 89002	Web
I filed a complaint about them holding my principal payments in a suspense account instead of applying them to the principal on my loan. You contacted them and they moved the funds yesterday and today they have moved them back. I have contacted the company and they don't know what is going on. I don't want to have to wait another 4 months to have them attempt to remedy the problem.
11/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 786XX	Web
I settled a debt after being forced into a chargeoff because the company would not work with me when my financial situation became compromised. I paid the agreed upon payments on time and Arvest bank will not change my credit information to settled and is still reporting as a balance owed and negatively reporting charge off on my report monthly after the settlement was completed.
12/03/2020	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account information incorrect	CA 956XX	Web
ARVEST CENTRAL MORTGAGE XXXX This account should not be reporting any late payments. Our credit report shows " Account 120 days Past Due Date ''. This is INCORRECT. Arvest approved a FOREBEARANCE plan which was followed and there should be NO NEGATIVE mark on our credit file per the Agreement made. Delete the errors right away or remove the account off our credit files!
03/03/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MA 02302	Web
My mortgage terms have changed from what was originally agreed upon. The lender has added Pmi which previously did n't exist and inflated my rate substantially. My loan was signed in XX/XX/2015 and has increased 300 $ a month that in no way aligns with my taxes in the area. The mortgage company will not give me straight answers or even give me payment coupons. Please help!
02/10/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 85383	Web
Never got confirmation of auto pay so made payment online. Payment went thru twice and filed paperwork to have it credited and Arvest did not do it in their promised period of tome once payment cleared. Apples for refund of overpayment on XX/XX/21. They emailed confirmation of receipt and never credited it. Called customer service which has not given any answers to date.
08/30/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 78741	Web
This company changes {$5.00} to make a mortgage payment by phone or through their website. You flat you have to pay {$5.00} each time you want to make a payment, costing consumers unnecessarily if they want to pay their mortgage down early. This should be illegal. Ive had 3 or 4 mortgage companies over my life and have never been charged a fee to make a payment.
03/10/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	AR 72704	Web
Fraudulent checks and deposits were made in my checking account and then disbursed through XXXX XXXX. This caused the checks and deposits to be charged back, making me lose my personal cash and the transactions out to via XXXX XXXX still be disbursed to someone I don't even know. I'm in the hole quite a bit of money at the moment and for no reason. Please help.
10/26/2022	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	KS 66062	Web
Arvest Bank refused to honor the details of this promotion attached below. I met all the requirements and they vehemently refused to honor the promotion even though the terms and conditions were met on my side. I've escalated this issue to their higher ups to no avail. They've placed tickets on my behalf only to not receive the promised credit or phone call.
03/04/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92223	Web
I have sent in multiple forms with my signature because I never received my escrow refund. Theycontinue to denied it because they said my signature doesn't match what they have on the note which is 9 years old. I have even included my driver 's license. I advised I will complain to respa the XXXX and they laughed and said to go ahead with the complaint
05/31/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 60142	Web
Tried to call and make payment on XX/XX/XXXX, kept getting a recording that call center is closed even though posted hours of operation are Monday through Friday XXXX. to XXXX XXXX central time. Placed first call at XXXX XXXX. central time. Unable to get through, tried paying online, and got a message that Unable to pay my mortgage online.
03/19/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 18966	Web
Arvest Central Mortgage continues to claim that I owe them money AFTER they unjustly adjusted our escrow account. On XX/XX/2018 they claimed to have adjusted all records yet they are seeking more money I do not owe. I'm afraid they will hit my credit again. They continue to call claiming that I've shorted my payment nearing on harrassment.
05/04/2023	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	AR 72703	Web
Someone called my bank masquerading as me using my SSN to try to access my bank account. I fixed the issue by bringing my ID to a local branch a day later. This happened a couple of months after I was scammed with personal information becoming exposed, including my SSN. I filed for a fraud report and froze my credit shortly thereafter.
09/26/2022	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	FL 32746	Web
I sold my house on XX/XX/2022 and the payoff amount of {$160000.00} was sent to Arvest Central Mortgage Company. Subsequently, this loan mortgage servicer sold my loan to another servicer XXXX XXXX instead of closing the loan and I am having difficulty with this new mortgage loan servicer to acknowledged payment and close the loan.
02/23/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	OK 741XX	Web
The lender XXXX XXXX from Arvest that 's location on XXXX and XXXX I feel as if she was violating the truth in lending act. She did not disclose to me about the closing cost being more than what FHA allowed so she tacked them onto the settlement statement without telling anyone. She took it upon herself. XXXX was not being ethical.
05/03/2016	Yes	Bank account or service Savings account	Problems caused by my funds being low	OK 73507	Web
XX/XX/2015 I open a bank account at arvest bank in XXXX, oklahoma I feel that I was over charge for overdraft fees. The bank also told what amount I had in my bank account to a pastor who claim that I belong to his church and I only visit this persons church one time. I feel that arvest bank had no right to treat me like that.
09/15/2023	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage Confusing or misleading advertising or marketing	OK 73072	Web	Servicemember
In less than 3 hours, I have received over 25 calls from different phone numbers all from Central Mortgage company. I did not request information. They have refused to stop calling me. I have blocked all numbers that have called me. I have both denied calls and answered calls asking them to please take me off their call list.
06/06/2023	Yes	Mortgage FHA mortgage	Trouble during payment process	SC 291XX	Web
I have a FHA mortgage. I applied for a CARES ACT COVID-19 Deferment sbd was approved by Arvest Bank . I also applied for an extension. Arvest Bank reported my account as being delinquent to XXXX despite the CARES Act prohibiting the negative reporting. They will not remove the negative rating from my credit file.
08/21/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	MO 657XX	Web	Older American
XX/XX/XXXX, XXXX social security XXXX using ( 'XXXX ' ) app. compromised our bank checking account using XXXX to transfer {$850.00} to an unknown recipient. Reported this same day and made police report when realized I had been scammed. XXXX XXXX was name used acting as XXXX agent. They used Phone # XXXX
06/26/2021	Yes	Mortgage Conventional home mortgage	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 27549	Web
I put in to submit a payment in XX/XX/2020. The payment did not go through and I did not know it until next months payment was due, I made the payment in XXXX and then made XXXX payment two weeks later. I also paid the late fee. Arvest central mortgage would not remove the late fee on my credit report.
01/11/2023	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	OH 45750	Web
I applied for a loan through XXXX XXXX The next day and every day since I am getting at a minimum 20 calls a day from central mortgage company. From a different number, location etc. different person. No matter how many times Ive asked to stop being contacted. They continue to call day in and day out.
08/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	DE XXXXX	Web
I have a loan with XXXX and ARVCNTRLMTG. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX and ARVCNTRLMTG with no successful resolution. There was definitely an error on their part.
06/03/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PA 170XX	Web
We are trying to gain 3rd party authorization to speak with the lender and they are refusing to speak with me. the borrower is deceased, but we provided a death certification and letters of testament - and we are still being refused authorization to speak on behalf of the deceased borrower
11/21/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI 49464	Web
Arrest mortgage accepted XXXX payments on XX/XX/2022 amounting to {$2300.00} that I erroneously made to them. They sold my mortgage in XXXX and I paid the wrong mortgage company this month. They deny having my money despite my bank providing proof they sent the money electronically.
09/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	OK XXXXX	Web
Arvest reported me to XXXX for overdrafts. Those overdrafts were not my fault. It's not my fault I was scammed and receive fraudulent checks. The overdrafts were caused by those bad checks. I have paid them the amount I owe so they need to remove me from XXXX. Remove me from XXXX.
01/14/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NV 89002	Web
The mortgage company is keeping my principal payments in a suspense account and not applying them to my mortgage. This has been happening since XXXX. I continue to contact them on the phone and through email, they tell me they will take care of it but nothing has happened.
08/11/2022	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	IL 60639	Web
Contacted my arvest bank XX/XX/XXXX and XXXX in northwest Arkansas to submit a fraudulent claim of theft XXXX transfer XXXX $ not authorized by me. phone was stolen with account info on phone. Bank denied claim stating it wasnt banks error so money would not be returned.
11/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KY 40218	Web
On XX/XX/2020, ARVEST BANK - EQUIPMENT add a hard inquiry on my credit report per XXXX. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX and XXXX. On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX.
01/24/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	AR 720XX	Web
Please see the full details of my complaint in the attached email. I have listed all the details of my complaint, concerns, and issues, that I would like for you to review and help me in resolving. I appreciate you so. Thank you. Sincerely, XXXX XXXX
12/11/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	AR 719XX	Web
I have a checking account with arvest bank and they allow unauthorized charges totaling over {$5000.00} within a two week. Period. I was never notified of suspicious activity. They are now not willing to reimburse for all of the unauthorized charges.
01/16/2017	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was paid	OK 73109	Web
XXXX Averst Bank 2008 this is to old to be on my credit repot. Its XXXX. I want this removed. I gave this back to then. They sold me a lemon. The transmission had went out of this thing after a XXXX or four months. I lost thousends on this.
06/13/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OK 743XX	Web
Called to discuss a hold put on {$1700.00}. because the check I put in the bank had cleared this morning, then the hold was placed. The lady was rude and had no explanation of why the hold was placed. She hung up on me without any answers.
01/10/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WA 993XX	Web
Apparently my mortgage was sold to another lender. There was no notification of the pending " transfer '' or the actual " transfer '' by either my " old '' lender, Central Mortgage Company or my " new '' lender ( as of yet undetermined. ).
05/12/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	AR 72701	Web
I apply for a PPP loan with Arvest bank and they make me waste my time and never get the second PPP loan due to their negligence in submitting my application. now they just sent me an email saying that sba run out of money for this loans.
03/22/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 92223	Web
They have not released my escrow refund after closing a loan over a year ago i have sent them letters and tried to call them and have sent emails. they said the sent us check number # XXXX in amount of {$1000.00}. and we never received it
11/04/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 750XX	Web	Older American
Bank and mortgage company are merging. I do not have online access to make my mortgage payment. Calling on XXXX number just says to hold for hours on the phone. Just get continuously told to hold on for next rep. No rep comes on.
04/12/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	MO 64801	Web
Arvest bank denied over 100 transactions made by XXXX from XXXX till XXXX of XXXX. Signature is fraudulent. Charges were made daily. No fraud protection was offered by bank. No contact was made of this suspicious activity.
01/11/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WI 53188	Web
Arvest Central Mortgage unilaterally decided to pay my XXXX property tax bill in XXXX without my knowledge or consent after several years of paying it by year 's end. This will have significant impact on my Income tax.
02/12/2021	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account status incorrect	TX 77429	Web
Prior to mortgage being paid off in XXXX, for the months of XXXX, XXXX, and XXXX of 2020 the mortgage company listed on my credit report that those payments were late when my mortgage was actually in a forbearance.
08/01/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	KS 666XX	Web
All around XX/XX/XXXX hard inquiries XX/XX/XXXX popped up on my credit report that i did not arthories they tell me to call the creditor the creditor say theres nothing they can do and the credit burea say the same
08/23/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	OK 73112	Web
I summited a dispute with all credit bueraus for Arvest Bank and they did not verify the debt. So credit bureaus did not provided verification of debt i am asking to have this removed off my credit report
06/20/2017	Yes	Money transfer, virtual currency, or money service Virtual currency	Money was not available when promised	AR 72758	Web
I use an App called XXXX and it 's taking forever for my transactions to post. As well as being sent to them it is very inconvenient. It has made me late on my rent when I was counting on that money.
06/24/2023	Yes	Checking or savings account Checking account	Closing an account Company closed your account	TX 75080	Web
I was paid {$5000.00} for some sneakers I had sold to the buyer. I put the money in my account and the check was fake. The bank closed my account and is now charging me for the amount of {$5000.00}
12/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK XXXXX	Web
XXXX XXXX XXXX and XXXX reported my accounts to XXXX for checks being returned and causing overdrafts. It was not my fault those checks returned. They penalized me for a check someone else sent me.
06/09/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TN 38119	Web
Arvest Bank failed to pay my taxes out of escrow, and I have now been charged interest by the county. I owe {$870.00} in taxes, plus {$52.00} in interest. This happened last year as well.
09/25/2016	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	VA 221XX	Web
our mortgage is sold to another lander and i have not recevied any info were to send money and we have not been late with our mtortgage for the past 5 years can we send to our old lander
06/04/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	TX 76013	Web	Servicemember
there was a payday loan taken out in my name sent to arvest bank which says they do not have an account in my name but did accept a deposit in my name into another persons accont.
12/02/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MI 48044	Web
Improperly placed derogatory information on my credit report. Asked them to remove and show account at timely and paid in-full. They refused in writing.
08/01/2017	Yes	Checking or savings account Other banking product or service	Managing an account Problem using a debit or ATM card	AR 729XX	Web
My bank account will not get approved so I can cash out. It 's really upsetting. It says it takes 1-2 business days and it 's been a week.
04/08/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	GA 30092	Web
Central Mortgage Company charged a late fee that should not have been charged. They have done this several times on my online bill pay.
03/01/2016	Yes	Bank account or service Savings account	Account opening, closing, or management	MO 64052	Web
Is my bank allowed to raise fees without letting me know? My monthly fee appears to have gone up and I did not receive any notice.
03/13/2018	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	AR 72204	Web
I had an overdraft for a {$160.00} and paid it i am still getting mail from XXXX and others the amount was paid and cleared
06/22/2017	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	AR 72756	Web
The bank takes several days to share updated checking account balance with activehours.com.
04/18/2023	Yes	Checking or savings account Checking account	Managing an account Fee problem	TX 762XX	Web
I never received a dormant notice and Arvest Bank began charging a ( junk ) dormant fees.
05/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OK 740XX	Web	Servicemember
I am receiving threatening phone calls about a debt that is the result of Identity Theft.
01/05/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	MO 648XX	Web
Continually being chrged XXXX by XXXX XXXX and was recently charged XXXX by XXXX XXXX
08/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35401	Web
Arvest bank is reporting an account on my credit that is not mines
12/26/2022	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Transaction was not authorized	OK 74115	Web
Fake bank text and link that I have not opened.
01/26/2024	Yes	Checking or savings account Checking account	Managing an account Cashing a check	AR 72120	Web

01/24/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 39503	Web

01/20/2024	Yes	Mortgage Conventional home mortgage	Trouble during payment process Escrow, taxes, or insurance	NJ 08050	Web

01/16/2024	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Application denied	TX 789XX	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30115	Web

01/10/2024	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	OK 74434	Web

01/08/2024	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	AR 72113	Web

01/03/2024	Yes	Mortgage Conventional home mortgage	Trouble during payment process Trying to communicate with the company to fix an issue while managing or servicing your loan	AR 719XX	Web	Older American

12/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 38016	Web

12/23/2023	No	Checking or savings account Checking account	Managing an account Deposits and withdrawals	AR 729XX	Web	Older American

12/19/2023	Yes	Checking or savings account Checking account	Opening an account Account opened without my consent or knowledge	AR 72150	Web

12/18/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Escrow, taxes, or insurance	TX 78232	Web

12/13/2023	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage Trying to communicate with the company to fix an issue with the application process	GA 30349	Phone	Older American

12/04/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	AR 72205	Web	Servicemember

12/01/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Payment process	CA 92618	Web

11/30/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	OK 73507	Phone	Older American

11/28/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	OK 74136	Web

11/28/2023	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	AR 72542	Referral

11/17/2023	Yes	Checking or savings account Checking account	Opening an account Account opened without my consent or knowledge	CT 06001	Web

11/15/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	OK 74105	Web	Older American

11/15/2023	Yes	Checking or savings account Checking account	Opening an account Account opened without my consent or knowledge	AR 72015	Web

11/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AR 72217	Web

11/02/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Escrow, taxes, or insurance	WA 98273	Referral

10/31/2023	Yes	Credit card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	AR 72004	Phone	Older American

10/29/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	AR 72734	Web

10/03/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OK 74128	Referral

10/02/2023	Yes	Mortgage FHA mortgage	Trouble during payment process Payment process	AR 71901	Web

09/23/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	AR 72758	Web

09/21/2023	No	Mortgage FHA mortgage	Trouble during payment process Escrow, taxes, or insurance	MS 39564	Web	Older American, Servicemember

09/08/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	OK 74354	Web

09/08/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Payment process	CA 95203	Web	Older American

08/25/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Private mortgage insurance (PMI)	CO 80503	Web

08/14/2023	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	AR 72101	Phone

08/02/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	OR 97222	Web

07/27/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MO 65803	Phone

07/24/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	NY 10001	Phone	Older American, Servicemember

07/20/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OK 74135	Phone	Older American

07/19/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	MO 65656	Phone	Older American

07/14/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75551	Web

07/13/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Charged too much interest	AR 72206	Phone

07/07/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 60706	Web

07/06/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	AR 72110	Web

06/28/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	IA 50275	Phone

06/22/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WI 53142	Web

06/21/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MO 63033	Web

06/16/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	MO 64108	Web	Older American, Servicemember

05/25/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	AR 72034	Web

05/19/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TN 37659	Web

05/18/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	AR 72117	Web

05/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	RI 02818	Web

05/15/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	OK 73072	Phone	Older American, Servicemember

05/05/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	OK 74055	Web

05/04/2023	Yes	Checking or savings account Checking account	Managing an account Banking errors	OK 73501	Web

04/30/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	OK 74055	Web

04/11/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	AR 72837	Phone

04/04/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91320	Phone

04/04/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30269	Web

04/03/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	KS 66112	Phone	Older American

03/28/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MO 64113	Web

03/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33140	Web

03/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 80247	Web

03/15/2023	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account information incorrect	TX 75407	Web

03/10/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	AR 71902	Phone

03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AR 72758	Web

03/07/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MO 64052	Postal mail	Older American, Servicemember

03/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77077	Web

03/01/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75551	Web

02/26/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75215	Web

02/24/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 85132	Web	Older American, Servicemember

02/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 38017	Web

02/19/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	AR 71968	Web

02/14/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	AR 72118	Phone	Older American

02/13/2023	Yes	Checking or savings account Checking account	Managing an account Cashing a check	OK 73160	Referral

02/10/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92057	Web	Servicemember

02/09/2023	Yes	Money transfer, virtual currency, or money service Traveler's check or cashier's check	Fraud or scam	AR 72956	Web

02/06/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	MO 65625	Referral

02/02/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OK 73170	Web

01/21/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	OK 74953	Web

01/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OK 74110	Web

01/17/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	RI 02860	Web	Older American

01/17/2023	Yes	Mortgage FHA mortgage	Trouble during payment process	OK 73120	Web

01/14/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 28409	Web	Older American, Servicemember

01/13/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 21221	Web

01/06/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account information incorrect	MO 65747	Web	Older American

12/27/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 29577	Web

12/24/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	IN 46225	Web

12/23/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TN 37066	Web

12/21/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	MO 64015	Referral

12/18/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	AR 72854	Web

12/15/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 80125	Web

12/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72204	Web

12/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 64086	Web

11/14/2022	Yes	Money transfer, virtual currency, or money service Check cashing service	Confusing or missing disclosures	AR 72745	Web

11/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MA 01770	Web

10/18/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	OK 74110	Web

10/11/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MO 64064	Web

10/03/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	WA 98122	Web

09/19/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OK 73054	Web	Older American

09/19/2022	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	OK 74115	Web

09/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	AR 727XX	Web

09/15/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	OK 74055	Web

08/29/2022	Yes	Checking or savings account Checking account	Closing an account Can't close your account	OK 74361	Web

08/27/2022	Yes	Checking or savings account Checking account	Closing an account Can't close your account	OK 74571	Web

08/04/2022	Yes	Checking or savings account Checking account	Incorrect information on your report Information belongs to someone else	AR 72217	Web

07/22/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 01373	Web

07/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 43326	Web

06/23/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NV 89701	Referral

06/23/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 76052	Referral

06/16/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OK 73572	Phone

06/13/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OK 74075	Phone

06/08/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92604	Web

06/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75228	Web

05/23/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 94945	Phone	Older American

05/13/2022	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	OK 73115	Referral

05/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 34744	Phone

05/05/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 945XX	Web

05/04/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	KY 40210	Phone

04/28/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	MO 64106	Web	Servicemember

04/22/2022	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	MO 65775	Web	Older American

04/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44320	Phone

04/19/2022	Yes	Money transfer, virtual currency, or money service Debt settlement	Confusing or misleading advertising or marketing	FL 32778	Phone	Older American, Servicemember

04/18/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	MO 64106	Referral

04/13/2022	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account status incorrect	CA 92618	Web

04/12/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OK 74103	Referral

04/10/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 78252	Web

04/07/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	OK 73135	Referral

04/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32578	Web

04/01/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	AR 72117	Phone

03/29/2022	Yes	Checking or savings account Checking account	Closing an account Company closed your account	OK XXXXX	Web

03/21/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	AR 72118	Phone	Older American

03/18/2022	Yes	Checking or savings account Checking account	Managing an account Banking errors	OK 73071	Web	Older American

03/11/2022	Yes	Mortgage FHA mortgage	Closing on a mortgage	CT 06850	Web

03/01/2022	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	AR 72204	Phone	Servicemember

03/01/2022	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	AR 72756	Referral

02/28/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	OK 74019	Referral

02/22/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	OK 74133	Referral

02/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 20912	Web

02/15/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	MO 64804	Web

02/09/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	AR 72736	Referral

02/08/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	AR 72002	Phone

02/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33446	Web

02/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33446	Web

01/20/2022	Yes	Checking or savings account Checking account	Managing an account Banking errors	AR 71852	Web

01/18/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	FL 322XX	Web

01/13/2022	Yes	Checking or savings account Checking account	Managing an account Cashing a check	OK 74848	Postal mail

01/05/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	PA 19438	Phone

12/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91206	Web

12/21/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH 43026	Web

12/18/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	LA 70452	Web

12/16/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	AR 71852	Referral

12/09/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	AR 72714	Referral

12/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 84092	Web

12/02/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	AR 72956	Phone

11/26/2021	Yes	Checking or savings account Checking account	Managing an account Fee problem	AR 72701	Referral

11/22/2021	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	AR 72701	Referral

11/20/2021	Yes	Checking or savings account Checking account	Problem caused by your funds being low Bounced checks or returned payments	OK 74966	Referral

11/18/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OK 74848	Referral

11/15/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MO 64127	Referral

11/10/2021	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	AR 72703	Referral

11/09/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Money was taken from your account on the wrong day or for the wrong amount	OK 74338	Web

11/04/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 77433	Web

11/04/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH 43065	Referral

11/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	CA 91206	Web

11/02/2021	Yes	Mortgage FHA mortgage	Incorrect information on your report Account information incorrect	MO 63033	Web

11/02/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OK 73741	Referral

10/25/2021	Yes	Mortgage Other type of mortgage	Trouble during payment process	UT 84532	Referral

10/20/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MO 64861	Phone

10/07/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	MO 65714	Phone

10/07/2021	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account status incorrect	CO 80212	Web

10/06/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IA 50266	Web

09/22/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	MO 65714	Referral

09/21/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	OK 74106	Referral

09/20/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MO 64118	Referral

09/15/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AR 72738	Referral

09/12/2021	Yes	Money transfer, virtual currency, or money service Virtual currency	Fraud or scam	AR 72034	Web

09/10/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NV 89145	Referral

09/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 73127	Web

08/31/2021	Yes	Checking or savings account Checking account	Managing an account Fee problem	AR 72756	Phone

08/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OK 73115	Web

08/20/2021	Yes	Credit card or prepaid card General-purpose prepaid card	Trouble using the card Problem using the card to withdraw money from an ATM	OK 74021	Referral

08/11/2021	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account status incorrect	GA 30009	Phone

08/10/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IN 46038	Web	Servicemember

08/02/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NC 28037	Phone	Older American

07/23/2021	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	OK 74354	Referral

07/15/2021	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	AR 72206	Phone	Older American

07/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	KS 66049	Web

07/10/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	AR 72901	Web

06/30/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	AR 72631	Referral

06/24/2021	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments		Referral

06/04/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 01852	Web

04/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AR 72764	Web

04/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 45404	Web

04/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AR 72764	Web

04/23/2021	Yes	Mortgage FHA mortgage	Incorrect information on your report Public record information inaccurate	AR 72206	Phone

04/07/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OK 74066	Referral

04/05/2021	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account status incorrect	MI 48095	Referral

03/31/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33472	Referral

03/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NE 68510	Web

03/22/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 93041	Phone	Older American

03/18/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	OK 73026	Referral

03/11/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Referral

03/07/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	AR 72058	Web

03/02/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	AR 72758	Web

02/18/2021	Yes	Mortgage Other type of mortgage	Incorrect information on your report Account status incorrect	OK 74037	Referral

02/18/2021	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	OK 74112	Referral

02/16/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 80126	Web

02/12/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	OK 73020	Referral

02/11/2021	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	OK 74006	Referral

02/05/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	WA 98010	Web

01/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AR 71901	Web

01/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KY 40218	Web

01/25/2021	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	MO 65803	Referral

12/18/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals		Referral

12/14/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NH 03811	Web

12/11/2020	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage		Phone

12/10/2020	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	OK 74429	Referral

12/09/2020	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	AR 72227	Referral

12/01/2020	Yes	Checking or savings account Checking account	Managing an account Banking errors		Referral

11/25/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 80005	Web

11/24/2020	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	AR 71901	Referral

11/22/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MN 55444	Referral

11/20/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	AR 72714	Referral

11/05/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92870	Referral

10/26/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	AR 72715	Referral

10/20/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	DC 20019	Referral

10/13/2020	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	MO 64801	Referral

10/09/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	AR 72207	Referral

10/06/2020	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account information incorrect	CA 92614	Postal mail

09/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92614	Postal mail

09/10/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95746	Web

09/10/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Referral

09/03/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 85028	Web

08/31/2020	Yes	Checking or savings account Other banking product or service	Closing an account Company closed your account	OK 74112	Phone

08/21/2020	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	OK 73160	Referral

08/21/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AR 72753	Referral

08/14/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	AR 72758	Referral

08/03/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	DC 20020	Referral

08/01/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91362	Web

07/30/2020	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account status incorrect	TX 75006	Web

07/24/2020	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account information incorrect	NY 11368	Web

07/24/2020	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	OK 74006	Referral

07/22/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals		Phone

07/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 65757	Web

07/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80306	Web

07/10/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals		Postal mail

07/10/2020	Yes	Checking or savings account Checking account	Managing an account Banking errors		Phone

07/07/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 190XX	Web	Older American, Servicemember

07/03/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91789	Web

06/22/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32804	Web

06/18/2020	Yes	Checking or savings account Checking account	Managing an account Cashing a check	OK 74467	Phone	Servicemember

06/18/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA XXXXX	Web	Older American, Servicemember

06/17/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees		Referral

06/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78711	Web

06/15/2020	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card		Phone

06/05/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	CT 06516	Postal mail	Servicemember

06/02/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	MO 65605	Postal mail

05/29/2020	Yes	Checking or savings account Other banking product or service	Opening an account Account opened as a result of fraud	OK 74006	Referral

05/21/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	OK 73105	Postal mail

04/25/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NJ 07305	Web

04/17/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	WA 98250	Phone

04/08/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	AR 72703	Phone

03/24/2020	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	AR 72601	Referral

03/21/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 90703	Web

03/11/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AL 35216	Web

03/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72021	Web	Older American, Servicemember

02/25/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 76226	Web

02/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72021	Web	Older American, Servicemember

02/20/2020	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	MO 65632	Referral

02/20/2020	Yes	Checking or savings account Checking account	Closing an account Company closed your account	TN 38114	Referral

02/19/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	HI 96753	Web

02/19/2020	Yes	Checking or savings account Checking account	Closing an account Fees charged for closing account	MO 64831	Phone

02/07/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 07110	Web	Older American

02/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	CO 80907	Web

01/29/2020	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	AR 72204	Referral

01/16/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91935	Referral

01/16/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 34105	Referral

01/15/2020	Yes	Money transfer, virtual currency, or money service Debt settlement	Unexpected or other fees		Phone	Older American

01/13/2020	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	AR 72116	Web	Older American

01/06/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AR 72687	Phone	Servicemember

01/03/2020	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals		Phone

01/02/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 90638	Phone

12/26/2019	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	AR 72113	Referral

12/09/2019	Yes	Checking or savings account Checking account	Managing an account Banking errors		Phone

12/05/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OK 73013	Referral

12/01/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33467	Web

11/27/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OK 73013	Referral

11/25/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OK 73013	Referral

11/22/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Phone	Older American

11/22/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OK 73013	Web

11/22/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals		Referral

11/12/2019	Yes	Checking or savings account Other banking product or service	Closing an account Company closed your account	OK 74107	Phone

11/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91390	Web

11/10/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AL 35226	Web

11/05/2019	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	AR 72904	Referral

10/29/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 27539	Referral

10/22/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33021	Web

10/11/2019	Yes	Checking or savings account Savings account	Managing an account Fee problem	MO 65706	Referral

10/09/2019	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	MO 64131	Referral

10/08/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 95687	Phone

09/19/2019	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	AR 72956	Web

09/12/2019	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	OK 74104	Referral

09/09/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32256	Web

09/09/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AR 72703	Web

08/28/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	AR 72032	Referral

08/22/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 61301	Referral

08/14/2019	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	AR 72704	Web

08/12/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MO 64131	Postal mail

08/10/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	MO 64801	Web

07/23/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 85266	Web

07/11/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	WA 98031	Referral

06/27/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	AZ 85395	Phone	Older American

06/17/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MO 64012	Referral

06/14/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OK 74006	Phone

05/30/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 98815	Web

05/13/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IA 500XX	Web

05/08/2019	Yes	Checking or savings account Checking account	Closing an account Can't close your account	AR 72034	Web

05/07/2019	Yes	Checking or savings account Savings account	Closing an account Can't close your account	OK 74021	Referral	Servicemember

05/02/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OK 74368	Referral

04/25/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 90731	Phone

04/19/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 98815	Web

04/10/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card		Phone

03/28/2019	Yes	Checking or savings account Checking account	Managing an account Banking errors	AR 72118	Referral

03/25/2019	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	OK 73162	Web	Older American

03/21/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MO 64058	Referral

03/12/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91411	Referral	Older American

03/05/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information is missing that should be on the report	OK 74115	Phone	Servicemember

03/04/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CA 92563	Phone	Older American

03/02/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 76262	Web	Servicemember

02/28/2019	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	MO 64133	Referral

02/25/2019	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	OK 74012	Referral

02/20/2019	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	MO 64127	Phone	Older American, Servicemember

01/23/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	OK 73141	Phone

01/22/2019	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	AR 72223	Referral

01/02/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals		Phone

12/27/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	GA 30127	Phone

12/27/2018	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	AR 72937	Referral

12/21/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	OK 73108	Referral

12/19/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95037	Web	Older American, Servicemember

12/10/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage		Referral

12/06/2018	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	AR 72538	Web

12/04/2018	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	AR 72703	Referral

11/29/2018	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	AR 72753	Referral

11/20/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	AR 72032	Referral

11/08/2018	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Problem accessing account	OK 74105	Web	Servicemember

11/07/2018	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed		Phone

11/02/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92234	Phone

10/29/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	RI 02842	Web

10/26/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	AR 72837	Referral

10/26/2018	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals		Referral

10/16/2018	Yes	Checking or savings account Checking account	Managing an account Banking errors	OK 74361	Referral

10/10/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OK 74055	Referral

10/04/2018	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	AR 72753	Phone

10/02/2018	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	OK 74135	Referral	Older American

09/25/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	AR 72703	Referral

09/24/2018	Yes	Checking or savings account Checking account	Managing an account Banking errors	AR 71921	Web

09/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95687	Phone

09/07/2018	Yes	Checking or savings account Savings account	Managing an account Funds not handled or disbursed as instructed	OK 74105	Referral

08/30/2018	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	AR 72956	Referral

08/30/2018	Yes	Checking or savings account Checking account	Managing an account Banking errors	AR 72762	Referral

08/29/2018	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Banking errors	OK 74105	Referral

08/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 72736	Web	Older American, Servicemember

08/21/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	VA 22304	Referral

08/08/2018	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Deposits or withdrawals	AR 72355	Referral

08/01/2018	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	AZ 72360	Referral

07/19/2018	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Deposits or withdrawals		Referral

07/16/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	HI 96813	Web

07/09/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MO 64744	Phone

06/29/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OK 74801	Web

06/27/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Closing on a mortgage	AR 72638	Web

06/25/2018	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	MO 64801	Referral

06/20/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60201	Web

06/12/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	AR 72116	Referral

06/05/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 08742	Web

05/25/2018	Yes	Checking or savings account Checking account	Managing an account Banking errors	OK 74170	Web

05/22/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OK 74441	Referral

05/16/2018	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	OK 74003	Referral

05/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 65806	Web

05/06/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MO 64062	Web

05/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AR 72959	Web

04/25/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 11207	Web

04/05/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 94105	Web

03/30/2018	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	AR 72211	Phone

03/20/2018	Yes	Checking or savings account Checking account	Managing an account Banking errors	WA 99208	Referral

03/19/2018	Yes	Checking or savings account Savings account	Opening an account Confusing or missing disclosures	MO 64110	Referral

02/26/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 19107	Web

02/21/2018	Yes	Checking or savings account Checking account	Closing an account Can't close your account	TX 77381	Referral

02/20/2018	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	AR 72113	Referral

02/14/2018	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account status incorrect	PA 19125	Web

01/31/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 18018	Web

01/20/2018	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 90603	Web

01/19/2018	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	MO 64804	Referral

01/16/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 11563	Phone

12/22/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	NH 03060	Referral

12/19/2017	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	OK 73065	Web

11/30/2017	Yes	Mortgage Other type of mortgage	Closing on a mortgage	RI 02842	Phone

11/02/2017	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	MO 65803	Fax

11/02/2017	Yes	Checking or savings account Checking account	Managing an account Banking errors	WY 82070	Referral

10/27/2017	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	AR 72714	Fax

09/19/2017	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	OK 74115	Web

09/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	OK 73007	Web

09/15/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	OR 97203	Referral

09/14/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NY 11563	Fax

09/14/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60453	Web

09/13/2017	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	OK 74146	Referral

09/11/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CT 06484	Referral

08/30/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 90250	Web

08/30/2017	Yes	Checking or savings account Checking account	Managing an account Banking errors	AR 72703	Web

08/27/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30012	Web

08/25/2017	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OK 73160	Referral

08/22/2017	Yes	Mortgage Other type of mortgage	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	WA 98166	Referral

08/21/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	WI 53222	Referral

08/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	WA 98166	Web

08/04/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30012	Web

08/02/2017	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	OK 74066	Referral

07/31/2017	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	AR 72120	Web

07/11/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OK 74501	Referral

07/07/2017	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	AR 72120	Web

07/02/2017	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	AR 72756	Web

06/30/2017	Yes	Checking or savings account Checking account	Managing an account Banking errors	AR 72703	Web

06/30/2017	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	AR 72847	Referral

06/23/2017	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	MO 64870	Web

06/22/2017	Yes	Checking or savings account Other banking product or service	Problem caused by your funds being low Overdrafts and overdraft fees	OK 74367	Referral

06/14/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect		Phone

06/06/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	MO 65653	Referral

04/27/2017	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	AR 71913	Referral	Servicemember

04/20/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 92223	Fax	Older American

04/18/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	OK 74029	Referral

03/27/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 92270	Postal mail

03/17/2017	Yes	Bank account or service Checking account	Deposits and withdrawals	OK 74033	Referral

03/17/2017	Yes	Bank account or service Checking account	Account opening, closing, or management	OK 74005	Referral

03/01/2017	Yes	Bank account or service Checking account	Account opening, closing, or management	OK 74012	Referral

03/01/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MN 55427	Web

02/27/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	OK 73013	Referral

02/16/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92555	Web

02/01/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 92270	Postal mail

01/31/2017	Yes	Bank account or service Checking account	Deposits and withdrawals	MO 64804	Referral

01/17/2017	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	AR 71909	Postal mail

01/08/2017	Yes	Bank account or service Checking account	Problems caused by my funds being low	MO 64836	Referral

01/04/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33157	Web

12/30/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	AR 72901	Phone

12/23/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 94538	Web

12/21/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92124	Web

12/16/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 32506	Referral

12/16/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	MD 21048	Fax

12/15/2016	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	NY 106XX	Web

11/21/2016	Yes	Bank account or service Checking account	Making/receiving payments, sending money	AR 72118	Referral

11/14/2016	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	NC 28603	Web	Older American

11/14/2016	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	GA 30062	Referral	Servicemember

11/11/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	OK 73521	Web

11/11/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	OK 73159	Web

11/03/2016	Yes	Credit card	Credit card protection / Debt protection	AR 72762	Web

10/28/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	OH 44224	Referral

10/25/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	GA 30076	Web

10/13/2016	Yes	Credit card	Billing disputes	CA 90293	Phone	Older American

09/30/2016	Yes	Bank account or service Other bank product/service	Using a debit or ATM card	OK 73130	Web

09/19/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	KS 66762	Phone

09/16/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	TX 79714	Web

09/14/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	OK 74076	Referral

09/08/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	AR 722XX	Web

08/29/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	ID 83669	Web

08/13/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 60654	Web

07/27/2016	Yes	Bank account or service Savings account	Account opening, closing, or management	AR 72701	Referral

07/21/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	LA 71334	Web	Older American

07/12/2016	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	OK 74447	Referral

07/11/2016	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	TX 75032	Referral

07/01/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NE 68134	Referral	Older American

06/30/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	OK 73117	Postal mail

06/20/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MA XXXXX	Web

06/14/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	AR 72715	Referral

06/14/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94610	Referral

05/26/2016	Yes	Bank account or service Checking account	Problems caused by my funds being low	AR 72113	Referral

05/19/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MD 21048	Referral

05/16/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NC 28412	Referral

05/14/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	AR 72712	Web

04/27/2016	Yes	Mortgage Other mortgage	Other	CA 90606	Postal mail

04/06/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 92264	Postal mail

04/05/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33157	Web

04/01/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	AR 72715	Referral

03/16/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	OK 74146	Referral

03/09/2016	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	TX 78633	Web	Older American

03/09/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33467	Referral

03/08/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 91766	Postal mail

02/17/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 92886	Web

02/16/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33467	Web

02/08/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33157	Referral

02/04/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 80015	Web

02/03/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33157	Referral

01/21/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	OK 74114	Referral

01/16/2016	Yes	Mortgage Other mortgage	Other	NY 11368	Referral

01/15/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AZ 85340	Web

01/05/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MA 01469	Postal mail

01/04/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	NC 27519	Web

01/01/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	AR 72901	Web

12/15/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	AR 72703	Referral

12/04/2015	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	CA 90621	Web	Older American

11/24/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NC 27519	Web

11/17/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33157	Referral

11/16/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	MO 64856	Phone	Older American, Servicemember

11/09/2015	Yes	Mortgage Other mortgage	Other	CA 11368	Referral

11/02/2015	Yes	Bank account or service Cashing a check without an account	Account opening, closing, or management	AR 72114	Phone	Servicemember

10/30/2015	Yes	Bank account or service Checking account	Problems caused by my funds being low	OK 74055	Referral

10/23/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	DE 19720	Referral

10/14/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	AR 72901	Phone

10/07/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	MO 64856	Phone	Older American, Servicemember

10/05/2015	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	AR 72017	Referral

09/29/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	DC 20016	Web

09/24/2015	Yes	Credit card	Other	OK 74464	Web

09/16/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33157	Web

09/11/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	UT 84036	Web

09/10/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	RI 02891	Web	Servicemember

09/08/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	UT 84094	Web

09/03/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92562	Referral

09/01/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NJ 07036	Web

08/27/2015	Yes	Bank account or service Checking account	Problems caused by my funds being low	FL 33127	Referral

08/25/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 10583	Phone

08/21/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92606	Web

08/20/2015	Yes	Bank account or service Checking account	Problems caused by my funds being low	FL 33127	Referral

08/12/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	OK 73013	Referral

08/09/2015	Yes	Mortgage VA mortgage	Application, originator, mortgage broker	AR 72758	Web	Older American

08/04/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	MO 65714	Referral

08/03/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 95337	Phone

07/29/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	VA 22030	Web	Older American

07/29/2015	Yes	Bank account or service (CD) Certificate of deposit	Deposits and withdrawals	AR 72756	Web

07/16/2015	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	CA 90808	Web

07/15/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 11040	Referral

07/06/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	CO 80231	Web

07/02/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MO 65804	Referral

06/23/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33330	Referral

06/23/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33330	Referral

06/22/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	OK 73501	Web

06/19/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MO 65804	Web

06/15/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	AL 35214	Phone

06/12/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33309	Postal mail

06/03/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 76502	Web	Older American

06/03/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94505	Referral

05/14/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	AR 72758	Web

05/13/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	AZ 85286	Web

05/01/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MD 21224	Web

04/30/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94588	Referral

04/17/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	OK 73533	Web

04/14/2015	Yes	Bank account or service Checking account	Problems caused by my funds being low	MO 64138	Referral

04/10/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NY 11554	Phone

04/10/2015	Yes	Bank account or service Checking account	Problems caused by my funds being low	AR 72202	Referral

04/09/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 91311	Web

04/03/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Settlement process and costs	CA 90221	Phone

03/19/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AL 36572	Phone	Older American

03/18/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94505	Postal mail

03/13/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	OK 73084	Referral

03/02/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TN 37067	Web	Older American

03/01/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 78702	Web

02/24/2015	Yes	Bank account or service Checking account	Problems caused by my funds being low	CA 92103	Web

02/20/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	OK 73026	Web

02/18/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	OK 74571	Web	Servicemember

02/12/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	AR 72901	Referral

02/10/2015	Yes	Money transfers Domestic (US) money transfer	Wrong amount charged or received	PA 15221	Web

02/10/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 11433	Referral

02/10/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	MI 48189	Web

02/05/2015	Yes	Mortgage VA mortgage	Application, originator, mortgage broker	MO 63141	Referral

02/03/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	OK 74135	Web	Servicemember

02/03/2015	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	PA 15221	Referral

01/29/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IA 50316	Web

01/28/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	IL 60193	Web

01/15/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	AR 72701	Referral

01/15/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	AR 72712	Web

12/30/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	GA 30067	Web

12/22/2014	Yes	Credit card	Advertising and marketing	AR 72758	Web

12/16/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 94401	Web	Older American

12/11/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	AZ 85251	Web

11/28/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MA 01960	Web

11/26/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MD 20876	Referral

11/19/2014	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	CA 92648	Web

11/19/2014	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	CA 93933	Web

11/18/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	OR 97229	Web

11/05/2014	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	OK 73069	Web

10/23/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NJ 07885	Referral

10/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	WI 53045	Web

10/20/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92530	Referral	Older American

10/19/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91941	Web	Older American

10/17/2014	Yes	Payday loan	Can't contact lender	AL 35906	Web

10/17/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94541	Referral

10/14/2014	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	CA 95003	Web	Older American

10/08/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94014	Referral

10/03/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33068	Web

10/03/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NJ 08083	Referral

09/29/2014	Yes	Bank account or service Checking account	Problems caused by my funds being low	KS 66061	Web

09/27/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PA 18951	Web

09/25/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	WV 26711	Referral

09/24/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	AR 72932	Postal mail	Older American

09/20/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	MO 64155	Web

09/19/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 11369	Referral

09/18/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	AR 72712	Referral

09/13/2014	Yes	Bank account or service Checking account	Problems caused by my funds being low	PA 19131	Web

09/09/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MD 21015	Web

09/03/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	VA 23223	Web

08/27/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NY 11554	Phone

08/27/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	NY 11418	Web

08/26/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Settlement process and costs	TX 78250	Web

08/20/2014	Yes	Prepaid card General purpose card	Fees	OR 97123	Web

08/20/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94044	Referral

08/19/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92021	Referral

08/19/2014	Yes	Credit reporting	Incorrect information on credit report Account status	MO 64804	Web

08/15/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	IL 60615	Web

08/13/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MD 20876	Web

08/08/2014	Yes	Mortgage Other mortgage	Other	CA 95819	Postal mail

08/07/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	VA 20120	Referral

08/07/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NC 28409	Referral

08/05/2014	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	IA 51575	Web	Older American

07/24/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	AR 72758	Web	Older American, Servicemember

07/24/2014	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	OK 74018	Postal mail

07/23/2014	Yes	Bank account or service Checking account	Problems caused by my funds being low	OK 74403	Web

07/21/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	OK 73080	Referral

07/21/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Application, originator, mortgage broker	NY 11554	Phone

07/10/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 95035	Web

07/09/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	OK 74467	Referral

07/07/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	AR 71913	Referral

07/03/2014	Yes	Bank account or service Checking account	Using a debit or ATM card	MO 65807	Web

07/02/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NC 28402	Referral

06/26/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NY 11730	Referral

06/25/2014	Yes	Bank account or service Checking account	Problems caused by my funds being low	OK 74133	Web	Older American

06/24/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92563	Referral	Servicemember

06/20/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 91784	Web

06/07/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 90221	Web

06/06/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 94588	Web

06/04/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92620	Web

05/28/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 95132	Web

05/28/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	OK 73130	Web

05/20/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 94066	Web

05/16/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VT 05446	Web

05/12/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 93635	Web

05/05/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	AR 72921	Referral

05/01/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	GA 30093	Web

04/29/2014	Yes	Mortgage Other mortgage	Other	FL 34990	Referral

04/22/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	AR 72956	Postal mail

04/22/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	NC 27612	Web	Older American

03/24/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	OK 74014	Web

03/21/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92078	Phone	Older American

03/18/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92101	Web

03/17/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	VA 23321	Web	Servicemember

03/15/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94565	Postal mail

03/14/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MD 20850	Referral

03/14/2014	Yes	Credit card	Billing disputes	AR 72830	Referral	Older American

03/13/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92138	Web

03/10/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TN 37405	Web

03/07/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	OR 97701	Fax

03/04/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	OR 97223	Web

02/26/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 95076	Web

02/04/2014	Yes	Bank account or service Other bank product/service	Problems caused by my funds being low	MO 64772	Referral

01/30/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 91790	Web

01/28/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92626	Web

01/27/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	FL 32305	Web

01/23/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TX 76017	Referral

01/17/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PA 18976	Referral

01/09/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MD 20774	Referral

01/08/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	MI 48167	Web

01/06/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	IN 47591	Referral

01/05/2014	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	MA 02460	Web

12/31/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 80906	Web	Servicemember

12/31/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92117	Web

12/19/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	OR 97202	Referral

12/17/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 94587	Web

12/17/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92101	Web

12/12/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MA 01867	Referral

12/11/2013	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	NJ 07871	Web

12/11/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	WI 53144	Web

12/09/2013	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	AZ 85326	Phone

12/05/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33146	Referral

11/25/2013	Yes	Mortgage Other mortgage	Other	LA 70119	Postal mail

11/22/2013	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	CA 93004	Web

11/21/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94521	Referral

11/21/2013	Yes	Bank account or service Checking account	Problems caused by my funds being low	AR 72223	Web

11/20/2013	No	Mortgage Other mortgage	Settlement process and costs	CA 94526	Web	Older American

11/20/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 90278	Web

11/18/2013	Yes	Bank account or service Checking account	Deposits and withdrawals	OK 74115	Postal mail	Older American, Servicemember

11/08/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	UT 84070	Web

11/07/2013	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	AR 72022	Referral

10/31/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MD 21128	Web

10/29/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 91942	Web

10/26/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MD 21217	Web

10/23/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 95035	Web

10/17/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 11554	Phone

10/17/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 91744	Web

10/07/2013	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	MA 02121	Web

09/25/2013	Yes	Bank account or service Checking account	Deposits and withdrawals	AR 72764	Referral

09/21/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30066	Web

09/21/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 93109	Web

09/20/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MD 20852	Web

09/18/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CT 06234	Referral

09/10/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 94517	Web

09/05/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 34994	Referral

09/01/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92503	Web

08/20/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92603	Referral

08/14/2013	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	MD 20774	Web

08/14/2013	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	FL 32618	Web	Older American

08/13/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 93428	Phone

08/06/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92026	Web

08/03/2013	Yes	Credit reporting	Incorrect information on credit report Account status	FL 34109	Postal mail

08/01/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	OK 74937	Referral

07/31/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 90005	Web

07/29/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	KS 66762	Referral

07/29/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33622	Postal mail

07/29/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	VA 22304	Web

07/26/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	IN 60156	Web

07/26/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92027	Referral	Older American

07/19/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 95624	Web

07/17/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	IL 62024	Referral

07/01/2013	Yes	Mortgage Other mortgage	Other	MD 20876	Web

06/29/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94582	Web

06/28/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NY 11423	Referral

06/26/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94702	Referral

06/26/2013	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	WA 98109	Referral

06/24/2013	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	FL 32720	Web

06/21/2013	Yes	Bank account or service Checking account	Making/receiving payments, sending money	OK 73108	Referral

06/20/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	DE 19803	Referral

06/19/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	AR 72601	Referral

06/07/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91605	Referral

06/03/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	CA 95746	Referral

06/03/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94506	Referral

06/03/2013	Yes	Bank account or service Checking account	Deposits and withdrawals	MO 65737	Referral

05/31/2013	Yes	Bank account or service Checking account	Deposits and withdrawals	CA 90293	Referral

05/28/2013	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	AR 72113	Referral

05/22/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	TN 37881	Web

05/20/2013	Yes	Bank account or service Checking account	Making/receiving payments, sending money	AR 72764	Web

05/16/2013	Yes	Bank account or service Checking account	Deposits and withdrawals	OK 74014	Referral

05/09/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 91745	Web

05/01/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 91766	Web

04/29/2013	Yes	Bank account or service Checking account	Deposits and withdrawals	MO 64106	Referral

04/25/2013	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	CA 92131	Web

04/23/2013	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CO 80013	Web	Servicemember

04/14/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 95125	Web

04/12/2013	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 95404	Phone

04/11/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 90278	Phone

04/11/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 27326	Web

04/10/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 11418	Referral

04/09/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91911	Referral

04/09/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MO 64110	Email

04/08/2013	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	MI 49408	Web

04/03/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TN 37212	Referral

04/02/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 11418	Web	Older American

04/02/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30094	Referral

03/29/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92336	Web

03/29/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	GA 30044	Web

03/29/2013	No	Bank account or service Checking account	Deposits and withdrawals	OH 44718	Referral

03/28/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94536	Referral

03/28/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 90746	Referral

03/25/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 90034	Email

03/21/2013	No	Bank account or service Checking account	Deposits and withdrawals	OK 74014	Phone	Older American, Servicemember

03/20/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94536	Referral

03/18/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91730	Referral

03/15/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94507	Referral

03/14/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 20135	Web

03/13/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	UT 84081	Web

03/11/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91335	Referral

03/07/2013	No	Consumer Loan Vehicle loan	Managing the loan or lease	AR 72921	Referral

03/01/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	ID 60654	Web

02/27/2013	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	GA 30016	Web

02/25/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	MS 64485	Phone

02/20/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 90009	Referral

02/12/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	TN 37880	Postal mail

02/12/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 95209	Referral

02/11/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NE 68516	Web

02/11/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33020	Referral

02/08/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MN 55415	Referral

02/04/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 48382	Fax

02/01/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MN 55412	Referral

02/01/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NJ 07054	Web

02/01/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	FL 33067	Web

01/31/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92626	Referral

01/30/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33936	Referral

01/29/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 94104	Referral

01/25/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 94588	Web

01/18/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91730	Referral

01/18/2013	No	Bank account or service Checking account	Account opening, closing, or management	AR 72704	Web

01/18/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 07016	Web

01/14/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92007	Fax

01/10/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NJ 07050	Web

01/08/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 95209	Referral

01/08/2013	Yes	Bank account or service Checking account	Deposits and withdrawals	KS 66204	Referral

01/03/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	AZ 85122	Referral

01/03/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 91321	Web

01/03/2013	Yes	Bank account or service Checking account	Deposits and withdrawals	MO 64854	Referral

12/28/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	DC 20019	Web

12/27/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 93940	Web	Servicemember

12/20/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 90280	Referral

12/12/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	WA 98053	Web

12/09/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NV 89103	Web	Older American, Servicemember

11/30/2012	Yes	Bank account or service Checking account	Deposits and withdrawals	TN 37214	Phone	Older American, Servicemember

11/28/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94107	Referral

11/20/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Application, originator, mortgage broker	WA 98103	Web

11/20/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	OR 97007	Web

11/16/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 95409	Web

11/16/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MD 20876	Web

11/15/2012	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	KS 66209	Referral

11/15/2012	Yes	Bank account or service Checking account	Deposits and withdrawals	AR 72761	Referral

11/14/2012	No	Bank account or service (CD) Certificate of deposit	Deposits and withdrawals	TX 76123	Web

11/07/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 94587	Referral

11/01/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	AZ 85297	Web

10/18/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	AZ 85212	Referral

10/16/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NC 27127	Referral

10/07/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	AZ 86442	Referral

09/27/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 94566	Web

09/27/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	VA 20124	Web

09/12/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PA 19067	Referral

09/07/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92626	Web

09/07/2012	Yes	Bank account or service Checking account	Problems caused by my funds being low	OK 74115	Web

09/05/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	VA 23661	Web

08/27/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 22030	Web

08/24/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	OH 45018	Web

08/21/2012	Yes	Bank account or service Checking account	Account opening, closing, or management	AR 72756	Referral

08/20/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94965	Referral

08/16/2012	Yes	Bank account or service Checking account	Deposits and withdrawals	AR 72205	Referral

08/15/2012	Yes	Bank account or service Checking account	Deposits and withdrawals	OK 74063	Web

08/09/2012	Yes	Bank account or service Checking account	Making/receiving payments, sending money	AR 72701	Referral

08/09/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94603	Referral

08/02/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CT 06488	Web

08/02/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91709	Referral

07/30/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94565	Referral

07/30/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92130	Referral

07/25/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92058	Referral

07/18/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	WA 99336	Referral

07/18/2012	Yes	Bank account or service Checking account	Deposits and withdrawals	AR 72019	Phone

07/13/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	KS 67060	Postal mail

07/13/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	IL 60564	Web

07/11/2012	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	AR 72756	Referral

07/10/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	OH 45320	Referral

07/10/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91911	Referral

07/10/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91001	Postal mail

07/04/2012	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 92501	Web

06/30/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 92082	Web	Servicemember

06/29/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91789	Referral

06/26/2012	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	MA 01564	Web	Servicemember

06/21/2012	Yes	Bank account or service Checking account	Problems caused by my funds being low	AR 72211	Referral

06/18/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 92880	Referral

06/18/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 34746	Fax

06/05/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94555	Fax

05/31/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92544	Referral

05/15/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	AZ 85283	Referral

05/14/2012	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	KS 66212	Web

05/03/2012	Yes	Consumer Loan Personal line of credit	Shopping for a line of credit	AR 72662	Web

04/20/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	DC 20011	Web

04/19/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WA 98685	Phone

04/17/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MA 02452	Phone

04/10/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 92592	Referral

04/03/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 94947	Phone

04/02/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 22191	Web

03/30/2012	Yes	Bank account or service Checking account	Account opening, closing, or management	OK 74136	Phone

03/26/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94804	Referral

03/22/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92336	Referral

03/20/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 95448	Referral

03/19/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 11369	Referral

03/15/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 11369	Referral

03/15/2012	No	Bank account or service Checking account	Account opening, closing, or management	OK 73501	Web

03/12/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 95370	Referral

03/07/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94602	Referral

03/05/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 95684	Referral

03/02/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OR 97212	Web

02/28/2012	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	CA 94804	Web

02/03/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 90630	Referral

02/03/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 95133	Referral

01/29/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	MA 02368	Web

01/17/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 91321	Web

01/11/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 90715	Web	Older American

01/05/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 48127	Web

01/04/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	AZ 85747	Referral

12/17/2011	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 90631	Web

12/14/2011	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 90715	Web	Older American

12/11/2011	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92040	Web

12/06/2011	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MA 01887	Referral