Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: BANCFIRST CORPORATION
State: OK

Complaint narrative:
CFPB Consumer Complaint Forensic Report Complainant : XXXX XXXX, XXXX  of the XXXX XXXX  Date : XX/XX/year> 1. Introduction 1.1 The complainant, XXXX XXXX, is an enrolled XXXX  of the XXXX XXXX. 
1.2 The purpose of this filing is to request that the Consumer Financial Protection Bureau ( CFPB ) investigate systematic XXXX, XXXX, and XXXX  discrimination perpetrated by BancFirst Corporation ( hereinafter BancFirst ) in violation of federal consumer protection statutes, including the Equal Credit Opportunity Act ( ECOA ), and to coordinate with relevant authorities regarding violations of the XXXX XXXX  Civil Rights Ordinance .

2. Jurisdiction & Authority 2.1 The CFPB is authorized under 12 U.S.C. 5491 ( a ) to receive, investigate, and enforce actions against any financial institution that violates consumer financial laws. BancFirst is a covered financial institution under the Consumer Financial Protection Act.

2.2 Regulation 12 CFR 1002.1 et seq. ( Regulation B ), which implements the Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691 et seq., prohibits discrimination in any aspect of a credit transaction on the basis of race, XXXX, religion, national origin, XXXX, marital status, age, or because a person has exercised a right under the Consumer Credit Protection Act. Disability discrimination is encompassed within this prohibition.

2.3 The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., enforced by the CFPB, regulates the procurement and use of consumer reports and requires a permissible purpose.

2.4 Because BancFirst conducts retail banking on XXXX XXXX reservation land, the Bureau has a compelling interest in enforcing these federal statutes to protect tribal members and ensuring coordination with tribal authorities.

3. Factual Allegations Chronology of Discriminatory Conduct Date Event Description XX/XX/year> Scammer Designation A senior employee named " XXXX '' of BancFirsts internal Back Ops operation labelled XXXX XXXX a scammer and ordered that his accounts be closed and he be barred from returning to any BancFirst branch. No investigation or factual basis was provided. 
XX/XX/year> Account Blockage BancFirst blocked XXXX XXXX access to all deposit accounts, refused his withdrawal requests, and threatened further adverse action if he pursued the matter. 
XX/XX/year> Unauthorized Credit Inquiries BancFirst obtained two consumer report pulls from nationwide consumer reporting agencies without any permissible purpose or written authorization from XXXX XXXX, in direct violation of the FCRA. 
XX/XX/year> Derogatory Remarks During a phone call, a Back Ops supervisor referred to XXXX XXXX wife, an Indonesian national, stating when we see immigration and XXXX as the reason for the transfer we think scammer, using that remark as a justification for the scammer label. 
XX/XX/year> Denial of Reasonable Accommodation XXXX XXXX, who has a documented physical XXXX ( facial paralysis ) and a cognitive XXXX that together constitute a substantial limitation of one or more major life activities, was denied service and a reasonable accommodation. His XXXX was apparent and reported during the interaction, yet was met with disrespectful treatment. 
XXXX Evidence of Systemic Discrimination A review of employee headshots and biographies for all 30+ BancFirst Oklahoma branches revealed XXXX XXXX XXXX  employees and few XXXX employees. Internal hiring manuals ( Back-Ops Staffing Guide ) restrict recruitment to a non-public closed-door list that appears to exclude tribal members and minorities, evidencing a culture of discrimination. 
4. Legal Claims Fact Statutory Violation Authority Unauthorized credit pulls FCRA illegal consumer report request without permissible purpose. 15 U.S.C. 1681b ; 12 CFR 1022 et seq.

Scammer label & account closure based on national origin ECOA discriminatory credit decision based on national origin ( of spouse ). 15 U.S.C. 1691 ( a ) ; 12 CFR 1002.4, 1002.6 Scammer label & denial of service based on XXXX ECOA discriminatory credit decision based on XXXX and failure to provide reasonable accommodation. 15 U.S.C. 1691 ( a ) ; 12 CFR 1002.4, 1002.6 Derogatory remarks & culture of discrimination ECOA evidence of a discriminatory pattern or practice that informs credit decisions. 15 U.S.C. 1691 ( a ), ( e ) ; 12 CFR 1002.4 5. Evidence Attachments ( Redacted and available upon request ) Exhibit Description Exhibit A Conversation with Back Ops supervisor labeling XXXX XXXX a scammer. 
Exhibit B Screenshot of account-block notice sent to XXXX XXXX. 
Exhibit C Medical certification of XXXX. 
Exhibit D Copies of the two unauthorized credit-report requests.

Exhibit E Transcript of phone call containing derogatory remark about Indonesian spouse.

Exhibit F Internal Back-Ops Staffing Guide showing closed-door hiring policy.

Exhibit G Employee demographic spreadsheet ( 30+ Oklahoma branches 0 XXXX  XXXX , 0 XXXX employees ). 
6. Requested Relief 6.1 Monetary Relief Restitution and Compensatory Damages for XXXX XXXX loss of access to funds, and reputational harm. 

Statutory FCRA damages {$1000.00} per unauthorized credit inquiry ( total {$2000.00} ). 

6.2 Injunctive Relief Order BancFirst to : Immediately cease all discriminatory practices ( including scammer designations without basis, account blockages without cause, and denial of reasonable accommodations ).

Implement a tribal affirmative action plan with goals and timetables for recruiting and hiring XXXX XXXX XXXX, other tribal members, and XXXX applicants, and eliminate the closed-door hiring policy. 

Submit to an independent, CFPB-approved audit of all Oklahoma-branch hiring , promotion, and credit-decision practices within 60 days.

Prohibit BancFirst from engaging in any retaliation against XXXX XXXX or any individual who assisted in this complaint. 

6.3 Civil Penalties Impose significant civil money penalties on BancFirst for its egregious and abusive practices.

6.4 Compliance Reporting Require BancFirst to file quarterly compliance reports with the CFPB for a period of two ( 2 ) years.

7. Conclusion & Request for Coordination 7.1 The facts set forth demonstrate a systemic pattern of discrimination that breaches the ECOA and FCRA.

7.2 The complainant respectfully requests that the CFPB investigate BancFirsts conduct, enforce compliance with federal statutes, and forward this complaint to its appropriate enforcement divisions. 

XXXX Further, the complainant asks that the CFPB coordinate its investigation and enforcement actions with the Attorney General of the XXXX XXXX, the Department of Justice Civil Rights Division, and the Equal Employment Opportunity Commission to ensure comprehensive remedial action is taken.

Respectfully submitted, Signature XXXX XXXX, XXXX. 
XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CC : Attorney General of the XXXX XXXX XXXX Department of Justice, Civil Rights Division Equal Employment Opportunity Commission Bureau of XXXX XXXX XXXX DC

Company response to consumer: Closed with explanation