Consumer complaint received 2018-08-17
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
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!!!

Company response to consumer: Closed with explanation