Centennial Bank of Conway, Arkansas aka Centennial Bancorp, Home BancShares, Inc. and Liberty Bancshares, Inc. Fee Grabbing, Replacing Policies Conway Arkansas

 Bought out troubled banks and making jack off their bad loans. Original loan officer of the bad bank investigated by State and shut down but the same CEO still run the place. What a joke. Balloon loan made to me not even considered a Qualified Mortgage as of Jan 2014. They refuse to modify because property underwater big time and get this they have their hands out for more assets which i dont have. Is that my fault lenders manipulated the market crash, took billions in bailout money from the government we never see and then take our properties too? Brag on your millions in profits while you put disabled who had three surgeries this year on the street. God and the Consumer Finance Protection Bureau is watching you. Take your complaints to them for review. Watch these Centennial folks; I have learned the hard way...

You assume that banks follow the letter of the law.  You assume wrong.  I know what cleared and I know when it cleared and when it was presented and when the bank acknowledged it.  

I am not a conspiracy theorist.  You are a greedy person tho.  How dare you take up for a big fat institution that manipulates the numbers at will, legal or not.  Are you so bought and paid for that you take up for illegal banking practices?  Really?  

Nice for your reputation.  Getting the same reputation as BOA.  

A lot of people helped with the bad banking practices that revealed today and I am very grateful.  Someone has to speak out, otherwise, you'll just keep saying you're lily white innocent (who has my money now?) and try to paint me as delusional.  Shame on you big bad boys.  Behave and care for others or lose what you came into the world with.  (your self respect)

 Once again the consumer is incorrect in thier assumptions. It is illegal for ANY bank to reorder thier incoming transactions. There was a massive lawsuit last year so every bank is on the watch for those behavours. You maybe confusing the WHEN a transaction is presented to the bank. See sometimes when you swipe your card, it only verifies that there is a active and open account. Once that confermation is recieved then your purchase is concluded, for you. That purchase request doesnt IMMEDIATLY leave and hit your bank.

I know from my own experiences that some businesses only do debit requests once a week. I had purchased a few meals from Dennys, come to find out that they dont immediatly submit debit transactions. SO a few meals at Dennys ended up costing me over $500 in over draft fees. They put through ALL of my transactions for a week at once. SO I know it happends. If you dont believe me go ask both your bank and the ppl you do business with.

SOmetimes its a daily send sometimes once every 72hrs. Its all up to the business and the company that they use to process card transactions. Theres a lot of businesses that your debit request has to go through before it hits your bank. That can hold up a transaction as well. And lets not even get into the $100+ hold your bank puts on your funds if you swipe your card at the gas pump. As for the fees you have to pay. New owner, New rules. You have the option of removing your money from that bank at any time.

Sorry, there's no grand conspiracy to "get" you.  YOU generate the overdraft fees because YOU don't keep a written record of YOUR card usage and because YOU don't keep a running balance.  It is YOU who continues to use the card without YOU knowing how much money YOU have in YOUR account. 

No, I don't work for them!