Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: HOME BANCSHARES, INC.
State: CA

Complaint narrative:
XXXX XXXX incorrectly claimed issuing bank reported checks as fraudulent and required repayment without documentation. I am submitting this complaint regarding a check-clearing dispute involving XXXX XXXX and XXXX XXXX XXXX XXXX XXXX On XX/XX/year>, XXXX official counter checks issued by XXXX XXXX XXXX XXXX ( check numbers XXXX and XXXX, each in the amount of {$2500.00} ) were deposited into a XXXX XXXX account belonging to the depositor. On XX/XX/year>, both checks were paid and posted by XXXX XXXX XXXX XXXX. XXXX XXXX has provided written confirmation that : the checks cleared successfully the funds were debited from the issuing account the checks were not returned through the clearing network no fraud notification was issued to XXXX XXXX On XX/XX/year>, XXXX XXXX XXXXnformed the depositor that XXXX XXXX XXXX XXXX had reported the checks as fraudulent. XXXX XXXX then reversed the funds and instructed the depositor to return {$5000.00} in cash immediately under threat of legal consequences. The depositor complied and returned the funds to XXXX Bank under this instruction. XXXX XXXX has since provided a document supporting its statement that XXXX XXXX XXXX XXXX reported the checks as fraudulent. XXXX XXXX XXXX XXXX has confirmed in writing that no such fraud notification or return occurred. I showed a XXXX XXXX XXXX XXXX XXXX in person the documentation that XXXX sent, and they said that there were multiple discrepancies with the paperwork and that it is entirely falsified and doctored to look like it came from XXXX XXXX. They told me to file a police report, and to try to obtain the video footage from the bank, because someone or multiple people are stealing from their customers. Additionally, the XXXX XXXX transaction record reflects an internal Account XXXX XXXX XXXX adjustment rather than a returned-item entry with a clearing-network return reason code. We respectfully request regulatory review of this matter and assistance obtaining clarification from XXXX XXXX regarding the handling of these cleared checks. The people responsible must return the stolen funds and be brought to justice. I have attached the email that my uncle forwarded to me from XXXX 's " XXXX XXXX '' XXXX XXXX, who my uncle talked to in person, and I spoke to her on the phone. I have also attached the letter that she says she received from XXXX XXXX, despite the fact that XXXX XXXX confirmed that it is not real/doctored. It is missing the document/form number at the bottom of the page, the watermark is wrong, it is the wrong format, and this is not the type of notification the send out for this kind of situation. ( All of that was told to me by XXXX and XXXX at XXXX XXXX XXXX XXXX on XXXX at the branch located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. I do have another open case regarding this issue, ( COMPLAINT ID XXXX ), but I wanted to give the additional documentation and email that I have now, along with the information I was told/given from XXXX XXXX.

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