Complaints

This profile includes complaints for Arvest Credit Card Division's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Arvest Credit Card Division

  225 E Eufaula St Norman, OK 73069-6018

• 

  Arvest Credit Card Division

  PO Box 6139 Norman, OK 73070-6139

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:06/11/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  After recently reviewing my credit report from your company, I noticed several inaccuracies that need to be addressed. The accounts in question are listed below:
  Company Name: ARVESTCCARD
  Account #: ****************
  Balance: $422.00
  Under the Fair Credit Reporting Act (15 U.S.C. § 1681g), I am formally requesting copies of all documents in your records that were used to verify the accuracy of these accounts. Please provide these documents in your response to this letter.
  I respectfully ask that you do not reply with a generic statement claiming the accounts have been verified. Instead, I expect to receive the actual records supporting this verification. If no such documentation exists, these disputed accounts should be removed from my credit report immediately, as required under Section 611(a)(5)(A)(i) of the FCRA.
  Including unverified or inaccurate information on my credit report—and continuing to share it with third parties—unfairly damages both my credit standing and my reputation. I ask that you take this matter seriously and resolve it as soon as possible.

  Business Response

  Date: 06/11/2025

  This is a duplicate complaint that the BBB has submitted to Arvest Bank four separate times and no new information has been provided. Please reference the prior responses provided to BBB complaints # ********, ********, and ********.

• Initial Complaint

  Date:04/10/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This is my formal request to address and resolve the unauthorized accounts that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. ARVESTCCARD ACCOUNT no.: ************ DATE OPEN: 05/22/2017 BALANCE: $422.00

  Business Response

  Date: 04/11/2025

  Please see the attached document as Arvest Bank's response to Mr. ******* complaint. 

• Initial Complaint

  Date:02/28/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am submitting this complaint because my credit report contains accounts that I do not recognize, and I strongly suspect they may be linked to a data breach. The presence of these unverified accounts is deeply concerning, as they could be negatively affecting my credit score and overall financial stability.
  
  Despite my attempts to obtain verification, I have not received sufficient proof that these accounts are legitimate. This lack of transparency is unacceptable. As a consumer, I have the right to demand proper documentation justifying their inclusion on my credit report.
  
  The accounts in question are as follows:
  
  Name of Unverified Item: ARVESTCCARD
  Account Number: ****************
  Reporting Balance: $422.00
  
  Under the Fair Credit Reporting Act (15 U.S.C. § 1681g), I am formally requesting copies of any documents used to verify these accounts. A generic response stating that they have been “verified” is not acceptable. I require tangible proof—such as original account applications, signed agreements, or transaction records—that confirms their legitimacy.
  
  If no such documentation exists, these accounts must be immediately removed under Section 611(a)(5)(A)(i) of the FCRA, which mandates the deletion of unverifiable information from consumer credit reports.
  
  I urge your office to take this matter seriously and conduct a thorough review. This situation has already caused me unnecessary stress and could have long-term consequences on my financial security. I expect swift action and a clear resolution.
  
  Thank you for your immediate attention to this issue. Please provide a timely response outlining the steps being taken to address my concerns.

  Business Response

  Date: 03/04/2025

  Please see the attached document as Arvest Bank's response to *** ******* complaint. 

• Initial Complaint

  Date:12/24/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Transaction date of 9/12/2024 had a fraudulent charge of $49.80 on credit card. Card was de-activated and contacted Card company with details. Arvest sent letter attached stating they agreed and would/had applied credit to account. They have NOT applied the Credit. I have contacted then no less than 8 times over 3 months with no results. Final contact was Dec 5th with ****** where this was to be escalated for account review. They continue to say it will take 7 days but after 3 months still no resolution.

  Business Response

  Date: 01/02/2025

  Please see the attached document as Arvest Bank's response to *** ******** complaint

  Business Response

  Date: 01/17/2025

  Please see the attached document as Arvest Bank's response to *** ******** complaint rebuttal. 

  Customer Answer

  Date: 01/27/2025

  
  
  Complaint: 22726805
  
  
  
  I am rejecting this response because:  I appreciate all of the assistance from everyone involved and the unsuccessful resolution of this issue.  As stated from the last conversation on Jan 14th 2025 I explained that I use the CardManager application to track all purchases and payments.   The application clearly still shows the Debit and no Credit.  The application does not in any way show which card is related to any transaction but ALL cards ultimately end with one account.  To have a zero balance with the CardManager application all transactions must be paid.  Which this transaction and including all transactions have been paid in full.  If the Avest Management is looking for a date with recording I would suggest using the Jan 14th 2025 where they can listen to where it was clearly stated they are sorry but no credit can be applied and nothing they can do and it is MY responsibility to pay the Fraudulent charge.   Also, when  I asked what would be correct steps if this situation occurred again there was NO detail provided.   As of today my account balance is ZERO as all transactions are paid.   As I expect no resolution to this my next steps will be to stop using Arvest and Arvest Credit card at my earliest convenience and seek a company with honesty, integrity and demonstrates customer service.  Words clearly not used with ARVEST.   
  
  
  
  Sincerely,
  
  
  
  ****** ******

• Initial Complaint

  Date:04/17/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 3/17 I purchased online tickets for 4/21 thinking it was the venues site, ************************. Only after I purchased the tickets did I see a note that the tickets were not from the venue. It was tickets on sale.com. I immediately called Arvest to cancel my card and to deny the charges. They told me I could not dispute the charges until they cleared and to call back. I went to the bank branch the next day, 3/18, in ****** to find out that the cc company did not cancel my card and Id have to call them back. They were able to cancel my card and order a new one through messaging to the cc company. As soon as the charges cleared I filed a dispute. They sent me info by mail to complete which I did same day. I called today, 4/17, to check the status. My cc company told me they called me but no answer (and they didnt leave a message) and since they hadnt received my info they closed my dispute. They also said this was my fault and that they might reopen it but no guarantee. Ive been a customer with them for over 15Y and never filed a dispute. Worst experience ever.

  Business Response

  Date: 05/03/2024

  Please see the attached document as Arvest Bank's response to ********************** complaint.****************** credit card was canceled on March 18, 2024, per her request on March 17 after
  learning a purchase she made was not from the expected merchant, as referenced in her
  complaint. After the transaction in question hard posted to ****************** account, a dispute case
  was opened on March 22, 2024.
  On March 25, 2024, the dispute team attempted to contact ****************** by phone and letter to
  request additional information to further the dispute process. Phone calls were placed to the
  home and business numbers on file for ******************, but busy signals were encountered. The
  dispute correspondence sent to ****************** disclosed that a response was needed no later
  than April 9, 2024. On April 11, 2024, the dispute case was closed due to lack of information/
  failure to respond. ****************** indicates she mailed her response to the address listed on the
  dispute correspondence, but we have no record of it being received at that ********.
  On April 18, 2024, ****************** provided the additional information requested via email. Ms.
  ******* indicated she bought the tickets from the incorrect merchant, acknowledged the
  merchants no-refund policy, and communicated that she had not attempted to return the tickets.
  On April 23, 2024, ****************** spoke with the dispute department who confirmed that based on
  the information provided, the case would not be reopened. Dispute rights do not exist because
  ****************** authorized the transaction and acknowledged the merchants no refund policy.
  If ****************** has any other questions or needs additional assistance, she may contact us
  directly at **************

  Customer Answer

  Date: 05/07/2024

  
  Complaint: ********
  
  I am rejecting this response because:
  (1) ******** cancelled my card the next day, not Arvest cc company as I requested when I called. That can be verified by the branch in **************** (2) I asked Arvest cc to deny the charges immediately after I realized the merchant was not the intended merchant, Arvest cc did nothing. They told me to call back once the charges cleared and file a dispute. I sent the info they mailed back upon receipt. I emailed it once I learned they hadnt received it, no response to my email and to date no response to the mailed info. (3) They have never confirmed the # they tried to call me from. (4)  They have never tried to email me. They DO have my email address. (5) I have no faith that they will protect me or any consumer from fraud. (6) *** never disputed a charge in the many years Ive had my card. (7) This merchant had it printed on the receipt that they would not refund anything, the same receipt where I realized this was not the expected merchant. (8) I did call the merchant after Arvest cc said I didnt attempt. As expected, they would not reimburse me and they would not provide me their name. (9) I did not use or open the tickets so Im out $400+ with no assistance from Arvest cc. 
  
  Sincerely,
  
  *************************

  Business Response

  Date: 05/13/2024

  Please see the attached document as Arvest Bank's response to ******************' complaint. 

  Customer Answer

  Date: 05/15/2024

  
  Complaint: ********
  
  I am rejecting this response due to all reasons previously stated. I have since cancelled my credit card with Arvest cc services and will no longer do business with them.  Thanks BBB for your assistance.

  
  Sincerely,
  
  *************************