Consumer complaint received 2022-11-18
Company: ARVEST BANK GROUP, INC.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
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.

Company response to consumer: Closed with explanation