Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
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.

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