CFPB Complaints

On XXXX XXXX I submitted a photo deposit check to Arvest XXXX banking app and I understand that they cant deposit the check on weekends so I was expecting it to be cashed by the following Monday. Well I checked my account and the money was still frozen so I called and they said that sense I has prior excessive overdrafts within 6 months that they need to hold the money until XX/XX/year> and yet my money is still frozen and if I dont get my money today I will be charged late fees for rent, phone bill, and car payments.

I am disputing an unauthorized credit card charge of {$300.00} from XXXX dated XX/XX/year>. On XX/XX/year>, I contacted Arvest Bank after noticing a declined transaction and was informed there were XXXX pending charges on my account : XXXX for {$120.00} and XXXX for {$300.00}. I immediately informed Arvest that both charges were unauthorized and requested that my credit card be closed. Arvest closed the account and issued a replacement card. Arvest began a dispute investigation on XX/XX/year>. After the investigation, they credited back the {$120.00} charge, confirming that at least XXXX transaction during this timeframe was fraudulent. However, they are refusing to credit the {$300.00} charge, even though it occurred at the same time and under the same circumstances. During the investigation, I reviewed documentation provided by Arvest and XXXX. The information raises serious concerns : The order associated with the {$300.00} charge shows an IP address located in XXXX, Texas, which is not my location. The shipping phone number on the order is not mine and is not even a working number. I did not place this order, and I rarely make purchases from XXXX. XXXX agreed on my purchase history with them and provided a XX/XX/XXXX delivery confirmation with a photo, but I never received any package, and a photo alone does not prove that I received the item. Despite these discrepancies, Arvest denied my dispute. Additionally : I have followed up with Arvest multiple times over several months and was told I would receive updates, but I did not receive consistent communication or a final formal written explanation. As of today, I have only been told verbally that the dispute is denied and the decision is final, and I had to request the final denial letter myself. I have been a customer of Arvest Bank since the XXXX and have maintained my accounts in good standing, including paying off a significant balance recently. Despite this history, my legitimate fraud claim is not being properly handled. It is inconsistent and unreasonable for Arvest to acknowledge fraud on XXXX charge but deny another charge made at the same time with similar indicators of unauthorized use.

I found out a few months ago that my Roth IRA funds have been mismanaged since XXXX. This year, I found out that in XXXX, when I upped my monthly contribution to my IRA to {$100.00} a month on the phone with a wealth manager, he neglected to enroll it in my IRA. Those contributions, {$3700.00} in total, have been sitting in a holding account uninvested. I was shocked, considering they have yearly wellness calls, and I had made multiple calls as well, and none of this was mentioned in any of those calls. This last wellness check, someone asked me why the funds were sitting there, and I had no idea. It confused him as well ; it was not in the agreed-upon directives. He traced back when the funds started going to a holding account, and he saw that in XXXX someone had, as stated, failed to enroll my new monthly contribution in my IRA. He apologized and said this was unacceptable and had happened before, and a lot. He encoutaged me to get in touch with his boss to find a way to make myself whole. After this initial conversation, I was met with nothing but hostility, misdirection, lies, and attempts to confuse. Multiple scheduled phone calls were missed. I had to get my local bank manager involved just to get them to call me back. One man, XXXX XXXX, said that he had listened to all XXXX years of phone calls, which later changed into XXXX months of phone calls, and said that since there was a missed call on my end, it was my fault the funds were mismanaged. After I rebutted his strange attempts to have me believe there was nothing to be done, I was put in contact with XXXX XXXX. He said that Compliance was supposed to reach out to me and say they are not legally required to do anything on my behalf. He said working from that, he still feels poorly, and though I am not liable and they did mess up, he estimated I lost {$800.00} dollars in interest, and he will give me half of that. I said that the number does not seem right, and I am confused by the " split the difference '' approach when they did in fact, mismanage my funds and failed in their fiduciary responsibilities. I asked to see the exact numbers of the interest lost, and he said he had not got them yet. I asked where he got {$800.00} from, and I would like to see the actual numbers. He said he would get back to me early next week. Over a week later, I called him, and he only answered when I sent a disgruntled voicemail, and he said that he had compliance transfer {$410.00} into a holding connected to my IRA. I expressed my confusion ; I had not agreed to this, and I was waiting for the numbers still. He said they are not legally liable and that nothing else will be done as to this matter. Not only did they mismanage my IRA, showing they failed in their fiduciary responsibilities, but they also failed in their duty of care. Care for the well-being of their customers and their account, but also for the care they should show when they have made a mistake. I have been lied to, misled, and in an effort for them to not deal with the initial issue, they have once again violated my account by adding funds without my consent.

I am filing a complaint against Arvest Bank regarding their failure to properly investigate and resolve a fraudulent transaction on my daughters debit card. On XX/XX/year>, a {$250.00} charge was made to a credit repair merchant using my daughters card. This transaction was unauthorized. Neither my daughter nor I made or approved this purchase. On XX/XX/year>, my daughter, went in person to Arvest Bank and immediately reported the transaction as fraud. The card was canceled at that time and a replacement card was issued. Despite timely reporting, Arvest Bank denied the dispute. When we followed up, we were told that the claim was denied because the merchant refuses to return the funds. We escalated the issue, and on XX/XX/year>, after speaking with a supervisor, we were again told that there was nothing further they could do because the merchant would not refund the money. This response is unacceptable. This is not a billing dispute with a merchantthis is a case of unauthorized fraud. Arvest Bank appears to have improperly handled this claim as a merchant dispute rather than conducting a proper fraud investigation. Under the Electronic Fund Transfer Act, financial institutions are required to investigate unauthorized transactions and provide appropriate protections to consumers. Simply relying on a merchants refusal to refund does not meet the requirements of a reasonable investigation. We reported this fraud immediately, took all appropriate steps, and have fully cooperated. There has been no evidence provided that this transaction was authorized. My daughter is a XXXX, and I am the one financially responsible. We maintain our accounts in good standing and expect our bank to protect us from fraudulent activity. At this point, Arvest Bank has failed to meet that responsibility.

On XX/XX/year>2026, I contacted Arvest Bank to dispute an unauthorized/erroneous transaction in the amount of {$520.00}. I am filing this complaint due to gross administrative negligence and multiple violations of Federal Regulation XXXX timelines. The timeline of the bank 's failure is as follows : Initial Filing Failure : Despite reporting the error immediately on XX/XX/XXXX, I have since discovered that the original bank representative failed to properly initiate the dispute against the merchant on that date. This caused an unauthorizedXX/XX/XXXX-month delay in the investigation. Admitted Internal Mismanagement : On XX/XX/year>2026, an Assistant Vice President in Risk Management & Escalated Support admitted via email that my case had been " forwarded to the wrong department '' for months. This is a clear admission that the bank failed to maintain a competent or legally compliant investigation process. Failure to Provide Provisional Credit : Throughout this XX/XX/XXXXmonth delay caused by their own internal errors, the bank failed to provide a provisional credit, depriving me of my funds while they " lost '' my documentation. Failure to Act on Final Notice : I provided the bank with a final notice on the morning of XX/XX/year>2026. Rather than issuing a credit or a resolution, the XXXX responded that she " appreciated the notice '' but offered no immediate remedy, effectively ignoring the deadline. Arvest Bank has had all necessary evidence since XXXX. Their admitted " procedural errors '' have resulted in a violation of my consumer rights and significant financial hardship.

My father passed away in 2019. My family and I have been paying on the mortgage in his name since then. Our family is owed over {$3000.00} in escrow. My XXXX brother is a Successor of Interest on the account. I have jumped through hoops to become a Successor of Interest on the account, too. I now am but they are now stating since I was not the first Successor of Interest on the account they can not reissue the check in my name. I have had several calls with the company and absolutely feel they are dragging their feet to reissue a check in my name instead of my father 's. At one point, they stated they received my W9 and another call later they stated they hadn't received it yet. I am growing frustrated because every time I complete steps with them, something else comes up. Multiple times I was told I completed what was needed and now received a call that I was not the first Successor of Interest and now can not be issued the check in my name. Name of Company : Arvest Mortgage XXXX

I went in to pay my mortgage yesterday and discovered I could not pay it as the balance was {$0.00}, and I was met with a " PIF '' error with no other information. I had to XXXX what " XXXX '' meant and discovered my loan had been sold. I had received NOTHING from Arvest about this. I thought perhaps the company had been hacked/ had a data breach or internal error as there was ALSO no information in the documents and communication section of the Arvest mortgage portal - which is where ALL other regulatory and important info is stored and communicated. I am CERTAIN I never received a letter from them ( though they swear they sent it out twice ), as I care for my parents and I MUST scrutinize the mail, tracking their bills, medical communications, XXXX, XXXX, and XXXX benefits info etc. I checked my email and discovered that XXXX had sent me a statement on XX/XX/XXXX which said NOTHING about the pending sale / transfer of my loan. I then discovered an email from my new mortgage servicer, which they sent on XX/XX/XXXX. I had ignored that message as I didn't know who they were and I assumed it was spam - why would I look at an email from a mortgage company with which ( as far as I knew ) I was not doing business? When I began to research this, I discovered that Arvest is required to inform me of any such sale within XXXX days ( minimum ) of the transfer. The transfer- per the email from the new servicer- was official on XX/XX/XXXX. That means the statement from Arvest was sent just XXXX DAYS prior to when they were legally required to notify me- but it said nothing. Even if we assume XXXX or more physical letters are sent out, that does not mean they did their due diligence informing me. Email exists- and they used it to tell me everything else - and, in fact, allowed me to identify email as my preferred method of communication, but then failed to use that selection when notifying me of this change. They have a customer portal- they could and should have puta notice there as well. And they have my phone number. This is EXACTLY the sort of thing that deserves, at the least, an in-person voicemail directing me to a letter in my portal, or similar. I understand that there is limited harm here, but I still want Arvest held to account for what appears to be a legal transgression. My house is the single largest asset I have, or will likely ever have. It's the greatest investment I have, or will likely ever have. It is the place I live, and it is the place I bought to care for my parents ( they have their own mother-in-law type space on the ground floor ). Arvest cavalierly sold MY HOUSE ( which, yes, is owned by the servicer until I pay it off ) without telling me. That shows PROFOUND disrespect to me as a customer, and to me and my parents as the folks who dwell in the house.

This is a follow up to my earlier complaint. On Monday, XXXX XXXX XXXX I went to the XXXX Arvest branch. I might add the bank manager made me feel like a thief and a liar. He was very rude and Arrogant hes not anybody I wan na see again. I took in a letter saying as a retiree of XXXX XXXX XXXX it was illegal for them to hold my check or use it for overdraft charges Oklahoma Law ( 74 O.S. S 923 ) stating these benefits are fully exempt from garnishment, attachment, execution, or bank set-off. Holding these funds are illegal

On Friday, the XXXX of XXXX, a check in the amount of XXXX was deposited into my Arvest Checking account. Later on the same day, a hold was placed on the account due to " too many overdrafts ''. I called to get the check verified and cleared in which they totally ignored the request or the supervisor was to lazy to get the check verified for funds. This in turn caused my bills that were coming out to be returned along with an over drafted account. In which they were complaining about to begin with. If the bank had done their due diligent and actually researched our account, they would have discovered that our account was hacked which was the cause of some of those OD fees. How can you expect a consumer to not OD on their account when you willfully refuse to work with the consumer and verify a check. I'm sure if we had XXXX hair and XXXX eyes, this absolutely wouldn't have been an issue

When I log in to pay the Arvest Mortgage website says : Payments unavailable. Online payment scheduling is currently unavailable. Please try again later. This has happened previously when my payment was due. I logged in to schedule my payment for the XXXX and the website will not allow me to do so. This stopped for a while after I contacted the CFPB previously, and now Arvest is doing it again.

I had applied for a loan online, and I was getting several calls and text messages offering a loan at very high interest rates. Then I saw a text that said XXXX, and since I knew the company name, I felt safe responding. They offered low payments and low interest rates. The person on the phone had me convinced that everything was normal. What they had me do was to get the money out of my account and send it back in order to make sure the deposit went through correctly. It didn't make any sense, but I was desperate for a loan. I was short on money and couldn't pay my car payment. I had several unexpected things I had to pay for, like a new battery for my car, an updated tag for my car, and other things I can't think of at the moment. Now the bank says I'm responsible for the $ XXXX I have all the documents used for this scam, if needed.

Arvest sent me a notice denying my unauthorized transaction claim. Their explanation contains an internal contradiction. They stated : the device used to conduct the disputed transaction has made non-disputed transactionsweve concluded that the device has not been compromised, counterfeited, lost, or stolen. However, Arvest deactivated my debit card immediately after I replied NO to their fraud-alert text, which only occurs when a card is believed to be compromised. If the device/card was not compromised, there was no reason for Arvest to disable my card. If it was compromised ( which their actions clearly indicate ), then the transaction is unauthorized under Regulation XXXX Arvest can not claim both. Additionally, the notice provided does not include any evidence or authentication data showing that I authorized this specific transaction. It does not address my fraud-alert denial and does not meet Regulation XXXX disclosure requirements. I am requesting that Arvest provide actual evidence supporting their claim, reconsider the dispute, and reimburse me for the unauthorized charge.

Money was took out of checking account from Arvest Bank was not authorized from a transfer

Unauthorized Fees and Misrepresentation on Arvest Money Market Account Account Number : XXXX Account Name : XXXX Customer Name : XXXX XXXX XXXX : XXXX Complaint : When I opened my checking account at Arvest Bank, the teller recommended that I also open a Money Market account, assuring me that it would be very convenient and completely free of any fees. However, without my consent or prior notice, Arvest deducted {$20.00} in unexplained fees from my checking account, and the XXXX XXXX account now shows an additional {$10.00} fee. In total, I have been charged {$30.00}, which was never disclosed or authorized. I believe this constitutes misrepresentation and unauthorized account charges. When the account was opened, I was never informed that this XXXX XXXX account would have any monthly or maintenance fees. Requested Resolution : Refund the total {$30.00} in fees charged to me. Immediately close the XXXX XXXX account. Thank you for your attention to this matter.

This is a complaint about Arvest Bank and not protecting their customers against fraud. My XXXX yr old father went to Arvest on XX/XX/XXXX and withdrew {$7000.00}. That was unusual behavior from him, as he doesn't withdraw money, and 4 days later he pulled another {$4800.00}. All he was ever asked by a teller was " what are you going to spend this on? '' and he responded with " I don't know. '' No one took the time to have him fill out any paperwork about unusual behavior like they do at other banks when there is suspicion an older person is being scammed. On XX/XX/XXXX, he had XXXX deposited from his IRA and then he went and got a cashier 's check for {$32000.00} and it wasn't a real company. Arvest even told him this company didn't exist and he said he was told to do that. The scammer wouldn't accept the cashier 's check and said it had to have LLC at the end. He goes back to the bank again on the same day to have it redone with LLC. They once again give him the check with no one speaking to him about unusual transactions and understanding about fraud and why this should raise a red flag. On XX/XX/XXXX he has {$52000.00} deposited into his account and he goes to the bank and asks them to wire {$51000.00} to XXXX XXXX and XXXX. No talks to him again about any suspicious behavior. All this money went through his account in 3 weeks and no one sat down and talked to him about who/what he is doing with the money. Other banks do this and they will close your account if they know you are being scammed and you won't admit it. There was no XXXX report done on my dad. They said he was hostile on one occasion in one of their notes, but he never was. He is an extremely calm individual, and I have never even heard him say a cuss word and I've never heard him raise his voice. Arvest is not protecting their customers and especially the elderly, and I consider this elderly abuse. They are in the court system now for allowing an elderly man to lose XXXX XXXX dollars. They are not behaving like other banks to protect customers. If someone would have told dad to call a number to check out what is happening in case it was a scam he would have done so. He thought he was working with the FTC and his accounts were going to be shut down because his SS number had been stolen, so they could secure his money until he received a new SS card and number. So simple for the branch manager to talk to him and NO XXXX report was done.

Between XX/XX/XXXX and XX/XX/XXXX, I engaged Arvest Bank to open and operate a private faith-based association account under a lawful XXXX XXXX XXXXXXXX XXXX XXXX ) trust structure. I submitted all required documents, including an IRS EIN, a governing trust instrument, a private declaration, and a founding statement compliant with U.S. and ecclesiastical law. The account was opened on or around XX/XX/XXXX, with an initial deposit of {$2000.00}. Without any lawful notice or due process, Arvest Bank abruptly froze and then closed the account on or around XX/XX/XXXX. I received no written explanation despite multiple verbal inquiries and a certified letter request sent on XX/XX/XXXX. Additionally, I attempted to open a private trust banking account under similar lawful authority. This application was denied without explanation, contract denial, or any adverse action notice, in clear violation of standard consumer protections. I made formal notice to Arvest Bank officers that the ALL CAPS name is a commercial fiction representing a Cestui Que Vie trust, and that I am the living man, the secured party, executor, and beneficiary of said estate. I reserved all rights under UCC 1-308, and I issued notices rejecting any presumed corporate jurisdiction or adhesion contracts. These lawful notices were ignored. Cited Legal Violations Arvest Banks actions appear to violate several federal laws and consumer protection regulations : Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) : Account was closed and future service denied without providing an adverse action notice as required. Truth in Lending Act ( 15 U.S.C. 1601 ) : No full disclosure of terms or lawful credit structure was given. Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : Bank representatives could not validate inquiries tied to my estate or SSN. Regulation DD ( 12 CFR Part 1030 ) : No written disclosures or formal notice were given at the time of account closure. Dodd-Frank Act ( 12 U.S.C. 5531 ) : The denial and closure constitute deceptive and abusive practices ( UDAAP ). UCC 1-308 / UCC 1-103.6 : My reserved rights were disregarded ; no valid contract or disclosure was provided. HJR-192 ( Public Law 73-10, 1933 ) : Arvest ignored my lawful demand for public credit discharge and failed to honor the public trust mandate. Cestui Que Vie Act ( 1666 ) : Treating me as a surety for an abandoned legal fiction or trust account constitutes misappropriation and fraud. Specific Dates and Actions Taken XX/XX/XXXX : Submitted full XXXX and trust documentation to Arvest Bank. XX/XX/XXXX : Account was opened and funded with {$2000.00}. XX/XX/XXXX : Account access was revoked and the account was closed without notice. XX/XX/XXXX : Attempted to open a new private trust banking account ; verbally denied without valid reason. XX/XX/XXXX : Sent certified letter demanding a lawful explanation and supporting bank policy for account closureno response has been received to date. What Would Be a Fair Resolution A full written explanation for the closure of my XXXX account and the denial of my private trust account application, including the lawful basis and bank policy used. An internal investigation by Arvest XXXX departments and the CFPB to determine whether the bank engaged in bias, fraud, or systemic discrimination against faith-based or trust-based structures. Reinstatement of the private banking account or proper opening of a new trust or faith-based account. A refund of any withheld funds or improper fees, plus a written acknowledgment or apology for mishandling the matter. Assurance of non-retaliation and equal access to private and trust-based financial services for all lawful account types, including PMAs and religious trusts. A signed letter acknowledging that the bank will not treat me as surety for any artificial entity created in the all-caps legal name ( Cestui Que Vie Trust ), and that future dealings will require full disclosure, consent, and written agreement. This statement is made under full reservation of rights, without prejudice, pursuant to UCC 1-308 and all relevant protections of trust, contract, consumer, and constitutional law. I do not consent to any further unauthorized use of my identity or estate in commerce.

I opened the safety deposit box XXXX on XX/XX/XXXX at the Arvest bank branch XXXX on XXXX and XXXX, XXXX. When I open the box the employee didnt ask for payment or auto debit setup. After XXXX month I received the letter saying I have to pay XXXX ( penalty ) XXXX for delayed payment. I went made the payment XXXX dollars around XXXX XXXX week of XX/XX/XXXX immediately after the letter arrived. I explained it to employee named XXXX about what happened and she was nice enough to investigate and refund me XXXX dollars to my account ending in XXXX on XX/XX/XXXX th XXXX. I went to the bank at least XXXX times in a year to access the box no one told me anything. Now I revived the letter saying I Had to pay XXXX dollar that includes 2 year fees and XXXX dollar penalty for last years fees which I already paid but XXXX dropped the ball on posting XXXX dollars towards my safety deposit box but credited me the XXXX dollars in my account ending in XXXX is visible. Now bank and branch can not find that XXXX dollars and they want me to pay for last year. Questions. Where did XXXX dollars came From as credit to my account along in XXXX on XX/XX/XXXX. Why did no one brought to my attention while I was accessing my account whole year at least XXXX times. And case specific XXXX called me to let me know that she was credit me back XXXX dollars. Now they saying that employee is no longer with them. Big question to let this bank operate who dont want to take accountability after their incompetency in operation and putting XXXX XXXX earning at risk. XXXX should be cceased and sealed if they can not trace the transaction. I need justice. XXXX XXXX

On XX/XX/XXXX, I opened an account with the Arvest Bank branch on XXXX XXXX XXXX XXXX in XXXX, Arkansas. XXXX weeks later, on Thursday, XX/XX/XXXX, I tried to withdraw money from an Arvest ATM which was unsuccessful. Furthermore, I was unable to log in to Arvest online banking, and was met with an " Error, please try again later '' message. I called Arvest and was informed by a woman named XXXX that my account had been closed. She refused to give me any further details, and was incredibly rude. I called once more and spoke to XXXX, who was far more helpful and kid, and who told me that the fastest way to receive an answer would be to visit the branch where I opened the account. I did this, and was met with further obfuscations. I eventually met with XXXX XXXX XXXX XXXX XXXX, who likewise couldn't provide me with a reason for why my account was closed. He insisted that the fraud team had deemed that the relationship between myself and Arvest was " not mutually beneficial '', but would not elaborate further as to what this meant. He gave me his card and told me that he would call later when he had more information. Over the weekend, I finally received notice through the mail that my account was being closed, though this too did not explain the reason for the closure. The following Monday, XX/XX/XXXX, I received a call from XXXX. I returned his call the next day, and asked me to clarify a discrepancy between my permanent address and the address on my drivers license. I explained that since I had moved recently, the address was not updated on the drivers license. I asked why they did not ask me to explain this discrepancy prior to de-banking me, but he claimed that this was not in fact the reason for closing my account. XXXX once against encouraged me to open an account with another institution, and once more refrained from accusing me of fraud, or any other crime that would make it fair for the bank to close my account. XXXX told me that he would not be helping me get any further information or details on the closure of my account. I was shocked by the deeply unprofessional way in which XXXX, and other employees at this branch handled me as a customer. Furthermore, I still have no explanation, which leads me to suspect some sort of political or religious motivations, which would be deeply illegal as per executive order XXXX, as well as the civil rights act.

Complaint Against : Arvest Bank Mortgage Servicing Address : XXXX XXXX XXXXXXXX XXXX XXXX AR XXXX Category : Mortgage servicing, escrow, and insurance handling Summary of Complaint : Arvest Bank has failed in its obligations as my mortgage servicer by not disbursing escrow funds for my XXXX homeowners insurance, resulting in cancellation of my policy and a significant lapse in coverage. Details : I built my home in XXXX with XXXX and obtained XXXX insurance through XXXX. In XXXX, Arvest acquired servicing of my mortgage, including escrow accounts for taxes and insurance. Despite escrow payments being collected, Arvest never disbursed funds to XXXX. As a result, XXXX cancelled my policy for non-payment. On XX/XX/XXXX, I discovered I had been uninsured for an extended period when I requested proof of coverage. XXXX joined me on a call with Arvest customer service ( lasting over 3 hours ). Arvest confirmed no coverage was on file but refused to provide a case number, reference number, or accountability. I was told only that an investigation would be opened and to expect a call back in 2448 hours. This lapse has left me uninsured, exposed me to catastrophic risk, and will now result in higher future premiums through no fault of my own. Violations : This appears to be a violation of RESPA and Regulation X, including but not limited to : 12 U.S.C. 2605 ( g ) failure to make timely escrow disbursements. 12 C.F.R. 1024.17 ( k ) prohibition against failure to disburse escrow funds when available. 12 U.S.C. 2605 ( e ) failure to properly handle borrower inquiries and complaints. Harm Caused : Lapse in mandatory insurance coverage. Exposure to financial risk had any damage occurred during lapse. Increased future insurance premiums caused by Arvests negligence. Lack of accountability or transparency in complaint handling. Relief Requested : Full investigation and explanation of how escrowed insurance payments were mishandled. Written record of escrow account activity. Immediate reinstatement or equivalent replacement o f XXXX coverage at no cost to me. Assurance that I will not be financially responsible for increased premiums or penalties caused by this lapse. Assignment of a case number and dedicated representative.

I received a letter in the mail that I signed up for overdraft protection on XX/XX/year>. I had no knowledge of the checklist account that was referenced in the letter. I called the company, and they were able to close the account as a fraudulent account.

Arvest Bank has charged me XXXX times and XXXX over the course of XXXX XXXX and XXXX in overdraft fees. I never imagined the fees stacking up to this extent and before I knew it I was buried and in a serious financial hardship. My husband and I work full time raising XXXX kids in an economy thats not on our side just trying to make ends meet. Now this mountain is impossible to climb out of and seems extremely excessive on XXXX end. I attempted to work with my local banks team to get this resolved and find a solution and help was little to nothing. Including me following up for XXXX consecutive days to get some answers. I kindly asked for some grace in the situation since I have been a loyal customer since I had a family and enough money to even put in a bank. I fully take responsibility on my end and understand that they have a policy to follow, but I also know that someone could have helped.. The sincerity has been little to non and the hardship and stress this had added to my family is immeasurable. Dates I spoke to an XXXX employee XXXX