Consumer Complaints: Bank Ozk

Bank OZK emailed me using an email address that I did not provide to them ; they did not have my consent to use that email address ; Bank OZK ignore my questions

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I went to bank OZK in XXXX AR today which closed all my accounts approx. 6 months ago.

I was told approximately 2 months ago that any checks submitted to the bank would be returned.

Bank OZK deposited a check from the IRS into a closed checking account on XX/XX/24.

The amount of the deposit only shows approximately {$560.00} when the check was for {$1000.00}.

I was told a cashier 's check was sent to my address in file but the paperwork bank OZK gave me does not show that.

The bank OZK kept approximately {$560.00} to pay a negative which was charged off approximately 6 months ago.

I have written documentation from Bank OZK that I had no open checking accounts over 1 month ago.

I had been waiting for this tax refund for approximately 8 months and now this.

Very odd things on my receipt 's, being charged when I pay cash, a trust account that neither myself or wife are aware of which makes sense as to why we are constantly billed twice for items. We have never and would never agree to have anyone over our money and we are certain its from my wifes previous employer. Our FHA loan is also linked to an investment account that we also never agreed too

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About a year ago I opened an account at Bank OZK XXXX XXXX XXXX XXXX, XXXX, GA ( XXXX ) XXXX. During this time I had several overdraft fees and got charged several XXXX dollars. I kept looking at my transactions and they never were in the correct chronological order. On XX/XX/XXXX I was had two transaction go through for under {$20.00}. My account went negative {$18.00}. I got cash and I went to an ATM in my town and I deposited {$20.00} cash to bring the account back positive.
The next day I got paid by my employer. When I logged into my account I noticed that bank of OZK charged me {$70.00} ( 2 ) overdraft fees despite me bringing the account positive.
I went by the bank at XXXX XXXX XXXX XXXX, XXXX, GA ( XXXX ) XXXX. I stated the same that the night before I deposited {$20.00} cash and the transactions were never in chronological order.
The manager stated that her hands were " tied '' so couldn't give a refund for {$70.00}. Thank I asked her to close my account. Than she said if I kept the account open she could refund 1 time overdraft fee. I said no I'd like to close my account. They refused to give any refund.
I also noticed that the bank changed the transaction for the overdraft for the prior day instead of the same day. On the XXXX the {$70.00} overdraft did not show. However on the XXXX they posted it as it was charged on the XXXX prior to me adding cash. This is like changing the chronological order after the fact. The already created transaction history was changed the next day which I noticed happened also in the past.

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I am submitting a new complaint because CFPB closed my account without ALL issues being resolved from my bank. I submitted my follow up responses and you all took no regard to them.

As a result in my account being frozen for no apparent reason I was not able to pay my bills which resulted in disconnections and cancellations. I am now faced with penalties from my creditors, which has caused me and my family emotional distress. My issues were NOT resolved. I reached out to your company for help and ALL my requests werent addressed.

I am requesting that the bank be held liable for the additional expenses that I incurred as a result of their negligence in placing a freeze on my account. The bank also further informed me that they were not able to conduct an investigation because I waited too late to file a complaint. I NEVER authorized transactions that were debited from my account to be disbursed. A bank representative took upon themselves to distribute funds on 3 separate occasions ( XXXX XXXX, XXXX, and XXXX ) totaling {$11000.00} to my estranged husband, who was not an authorized signer on the account which caused my account to be overdrawn. I was forced to close my business account as a result.

Once again, I am reaching out to CFPB for your help in holding the bank responsible for not following up with my initial requests - compensation for emotional distress, letters of apology to my creditors and refund ALL overdraft fees that were charged to my account.

Thanking you in advance for your help in this matter.

Respectfully Submitted

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