Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
Statement for CFPB Submission Subject : Unlawful Use of Social Security Number, Fraudulent Contracts, and Misapplication of Credit under the 1933 Banking Act and XXXX Summary of Issue Beginning in or around XXXX, and continuing to the present, I discovered that multiple banking institutions and affiliated financial entities have used my Social Security Number ( SSN ) and related identifying information in connection with financial accounts, credit instruments, or contracts without my knowing consent or full disclosure. 

I do not consent to any commercial, financial, or contractual arrangements entered into without my express knowledge and signature. It appears that my SSN has been used as collateral or surety in ways inconsistent with lawful disclosure and fair dealing. 

Dates, Amounts, and Actions Taken XXXX Present : Contacted several banking institutions regarding discrepancies and unauthorized commercial use of my SSN for debt obligations and account filings. 

XXXX : Submitted written notices asserting that any presumed contracts entered under my XXXX are void for lack of full disclosure and violate XXXX ( XXXX ), which requires all debts to be discharged through public policy rather than obligating the individuals private credit. 

XXXX : Discovered continued reporting of accounts and inquiries to consumer credit agencies without my consent, indicating ongoing use of the SSN and trust account as surety. 

XXXX : Filed written demand letters citing the Banking XXXX XXXX and Truth in Lending Act, requesting validation of contracts and identification of the real creditor. 

XXXX : Received no verified evidence of lawful authority to use my SSN or estate trust in any commercial capacity. 

Legal References House Joint Resolution192 ( Public Law7310, XXXX ) abolished the gold standard and pledged the credit of the United States to discharge all obligations ; citizens can not lawfully be compelled to pay debts in substance but are entitled to discharge through the public credit system. 

Banking Act of1933 established the separation between commercial and investment banking and created the Federal Deposit Insurance Corporation ( FDIC ), ensuring that banks can not act as both creditor and debtor without full disclosure. 

XXXX Act1666 establishes that no living man or woman can be presumed dead in law or have their estate managed without consent. Any attempt to administrate my living estate through a fictitious entity ( e.g., an allcaps legal name or SSN trust ) constitutes fraud and breach of trust. 

Truth in Lending Act ( 15U.S.C.1601 ) and Fair Credit Reporting Act ( 15U.S.C.1681 ) require accurate reporting, proper disclosure, and verified consent before any credit extension or data exchange. 

Requested Resolution I respectfully request that the Consumer Financial Protection Bureau : Investigate all banks and credit agencies currently using or referencing my SSN. 

Remove or correct any fraudulent, unauthorized, or presumptive contracts tied to that XXXX. 

Confirm in writing that I am not liable as surety for any artificial entity or XXXX constructed without my consent. 

Ensure compliance with XXXX, the 1933 Banking Act, and all applicable consumer protection statutes. 

Declaration I do not consent to any contract, adhesion, or presumption of agency created through the misuse of my Social Security Number. All rights are reserved under UCC1308, and this notice stands as a lawful demand for investigation and correction of fraudulent financial activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation