Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CVB FINANCIAL CORP.
State: CA

Complaint narrative:
Issue : Discrepancy in account transactions, lack of transparency, and restricted access to funds following account closure Complaint : I recently closed my business account with Citizens Business Bank and was informed that only {$51.00} was available at the time of closure. However, prior to losing access to my account, I observed multiple transactions dated XXXX XXXX XXXX including identifiable transaction IDs and amounts, reflected within the banks online system. I have retained screenshots documenting these transactions. After raising this issue, I was informed by the bank that these deposits were not received or processed, which directly contradicts the activity previously visible in my account. Additionally : I have not been provided with a detailed accounting of these transactions I have not received clarity regarding the status or location of the associated funds My online access has been restricted, preventing me from independently verifying my account history Proactive Outreach and Resulting Impact On XX/XX/year>, I proactively contacted the bank to request a short extension of time to cover an anticipated overdraft and prevent disruption to pending transactions, including payroll-related items. This request was denied, and I was explicitly advised that items would be returned if sufficient funds were not available. Following this, a significant number of items were returned, resulting in substantial NSF and overdraft-related activity. As a result of these returns, the account reflected a positive balance of approximately {$3000.00} on XX/XX/year>. This sequence of events led to : Significant NSF and overdraft-related activity Additional fees and penalties from XXXX vendors due to returned payments Operational disruption that could have been mitigated had a short extension or alternative handling approach been considered Repeated Payroll Reprocessing and Lack of Intervention After the initial return of payroll-related items, the payroll provider automatically attempted to reprocess those transactions. Given that I had been informed by the bank that the account was under manual handling, I specifically inquired why these items were being allowed to reprocess and requested that they be rejected to prevent further disruption and additional fees. Despite this request, I was informed that the bank would not intervene. As a result : The same items were reprocessed and returned again Additional NSF-related activity occurred Further fees and operational disruption were incurred This resulted in repeated and avoidable account activity that compounded the financial impact. Account Closure and Deposit Handling Discrepancies On XX/XX/XXXX, I contacted the bank to inquire about the process for closing my account. At that time, although the account was in a positive balance, I was advised that I would need to come into the bank and write a check to bring the account to zero in order to close it. On XX/XX/XXXX, I received a letter dated XX/XX/year>, stating that the bank would be closing my account due to recent activity and that if the account remained open, it would be closed on XX/XX/year>, with any collected balance mailed to me. However, prior to receiving that notice : A deposit of {$1100.00} initiated on XX/XX/XXXX should have processed on XX/XX/XXXX but was not processed until XX/XX/XXXX On XX/XX/XXXX, XXXX additional deposits in the amounts of {$1700.00}, {$1300.00}, and {$1400.00} were expected to process When I went into the bank to close the account in person, I was explicitly told by the tellerafter confirming with branch XXXX XXXX XXXX there were no deposits pending or in process. Following that visit, I also received written confirmation from XXXX XXXX stating that no such deposits were being received or processed. However, upon logging into my account on XX/XX/XXXX, all three deposits referenced above were reflected as funded, with XX/XX/XXXX listed as the funding date. I have retained screenshots documenting this activity. Additional charges were allowed to go through after closure of the account, resulting in a negative balance of {$1200.00}. An email communication was sent requesting a formal accounting and reconciliation of these transactions, including : Identification of each transaction referenced ( including the PAYOUT XXXX XXXX entries ) Whether these transactions were : Received but not settled Reversed Rejected Or otherwise removed from the account ledger The current status and location of the associated funds Documentation supporting the banks position that these transactions were not received or processed At this point of time, no response has been received. This sequence reflects conflicting information provided by the bank regarding the existence and status of deposits, as well as inconsistencies between what was communicated to me and what was later reflected in the account. Lack of Clear and Substantive Communication Throughout this process, I have sent multiple written communications to XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requesting detailed clarification regarding account handling, deposit status, and applicable protocols. In response, I have consistently received brief, non-specific replies that reference general policy but do not directly address the questions asked. This lack of clear and substantive communication has contributed to confusion and has prevented me from obtaining a transparent understanding of how my account and funds were being managed. Resolution Requested : I am requesting : A full reconciliation of all transactions referenced, including deposits dated XXXX XXXX XXXX Clarification of whether funds were received, reversed, rejected, or otherwise removed The current status and location of all associated funds A detailed accounting of all deposits and their processing timelines Confirmation of when any remaining funds will be disbursed to me

Company response to consumer: Closed with explanation