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Anonymous
Tim R
3 years, 44 weeks and 5 days
Well, i'm going to say this probably has to be the worst experience i've ever had with Arvest. I called in about a overdraft charge i had on my account, which i get it, i'm in the negative on my account, its a overdraft. I made that choice, you don't need to throw it up to me about it over and over again. Here is the kicker though. A string of charges were done on the 10th of November, which mind you is a Friday and a normal business day. Then the charge in question happens the next day later, on a Saturday. I get that there are no charges processed over the weekend, thats fine. However, these charges didn't come out until the follow Tuesday according to them. Next, they all came out on the same exact day. So you are telling me that the charges on Friday couldn't have been processed by the end of the night Friday? Well thats wonky as hell but fine. However, apparently Arvest's system doesn't do any of the transactions in the order they receive them in. So the ATM transaction actually came out first even though it happened a day later then the rest of the charges. So now i'm sitting here with a $85 over draft fee that i shouldn't have gotten in the first place.
At the end of the day, i feel like Arvest knows that situations occur and sometimes you have to overdraft your account for whatever reason and they understand people will do it with a ATM. So i kind of feel like this was done on purpose for them to make more money off of people who are already having a hard enough time. But then to top this off, i can't find anywhere that specifically says that it happens in this order, i had to be told this by a representative. When i asked to speak with a supervisor the representative responds with "Okay but she is going to tell you the same thing.". Well first off, you are in a customer service position, you should respond that way no matter how annoyed or upset the person you are talking to is. Thats just wrong in general.
So anyways, i get a hold of the supervisor and explain the entire situation. Her response is, "i've been here for 5 years and thats just always the way its been done and i don't see it changing in the near future." So basically, get used to it is what i'm hearing. I even remember asking several questions that left the supervisor stumped and she was struggling to even give me a answer because she obviously didn't know. Such as, "These charges were done on two separate days and yet they are coming in on the same day even though most of them were done on a business day." There was such a long pause in silence that i actually thought the supervisor had just hung up. The only answer she gave me back after about a minute and a half of silence was. "Well sir it was your choice to overdraft in the first place." Well no ****, i was the one that did it but i was under the impression that things would come out in the correct order and i'd only get hit with 1 charge, not a extra $70 worth.
Anyways, apparently she has sent a complaint ticket up the ladder. Which was just a way to get me off the line because she really didn't have any answers for me. I'm not Holding my breath about this because this entire system was designed to just cheat people out of their money. I've even had times where i've transferred money between my accounts and its come out twice. I've had to call in to get that fixed a few times. This was just a bad experience in general and i may end up going to another bank when i get the time.Anonymous
Karen Boyd
1 year, 39 weeks and 3 days
We had the same issue years ago with Arvest. They will run the large amounts first and then the smaller amounts. Not in the order they appeared as a transaction. Their reasoning is the figure the larger amount is the more important item. I have to call bs. They obviously do it hoping you overdraft. I make it a point if it looks like I am overdrafting, to put that $10 or $20 dollars in the account even if its getting a friend to write me a check to cover it until it processes through. Becaue Arvest will slam you with overdrafts fees then get in your face. They must train these people to have attitude over it. Mark my words one day there will be a reckoning and Arvest is going to have to pay back every overdraft due to rearrangement of the order of the transactions.Anonymous
Charlotte Ross
1 year, 51 weeks and 5 days
Oh, wow, this so just happened to me. Then I was belittled and threatened. And was told that Arvest Bank has no corporate office.Anonymous
Crystal
2 years, 16 weeks and 4 days
You are absolutely right I am dealing with the same thing. Friday morning I had transactions go through my account and the money was there for them to clear. Then Tuesday I go to the ATM to over draft my account thinking I'm only going to get a $17 overdraft fees because everything else already came through my account here it is Wednesday and I have 5 $17 overdraft fees. I call the bank and she tells me that all the transactions that went through on Friday they didn't clear in till Tuesday conveniently that is when I over drafted the ATM. If the transactions didn't go through my account On Friday when the money was taking out then I wouldn't had to overdraft my account because I would still have money in there. Then she proceeds to tell me that deposit go 1st then ATM withdrawals then transactions. So basically what she was telling me is that all the transactions that went through my account on Friday took the money out which made me not have any money on Tuesday so I went to overdraft my account thinking I was only going to get one $17 fee But instead they decided to process those transactions the same day I overdrawn my account So they can charge me an overdraft fee per every transaction. What I don't understand is how that is legal how can they get away with that if the money was taken out of my count on Friday and I was unable to access it because it wasn't there but then they decide not to process it until Tuesday so I will get over draft fees. This bank is screwing people out of their money. The way that they can duck business should not be legal because they purposely process those payments so it would charge my account and over draft fee per payment so that way they would get more money out of me. There has to be something that we can do because this bank needs to be turned then.Anonymous
Nikki
3 years, 34 weeks and 5 days
They definitely do this to make money off of people, I have a check sent for my car loan, and nearly every time it gets processed, I get an NSF fee because they cheat and say it's pending, and even though I cover the overdraft, all of a sudden it's paid and the money i transferred to cover it is now going on today's business, not when the check came in. They are willing to lose customers over $17, so this time they are definitely losing customers that have been with this company for over 10 years. Good job Arvest! You've taught your employees that your customers don't matter, just the money does. I'm going to tell everyone I know that this company is not worth the time and headache, and that there have to be better banking institutions out there.Anonymous
Margie
3 years, 39 weeks and 3 days
Amazing! I am having the same experience. They told me they have an order in which they process tranasactions. And guess what, it is NOT the order the transactions occur! I have asked them for the times all the transactions occurred 10 times! They gave me the debit card ones but have refused to give me the electronic payment times, which were the ones that had the overdraft charges despite being already pending and taken out of my account balance prior to the debit card transaction that caused the overdraft! Its the banks way of getting money!