BOK Financial is headquartered in TULSA and is the largest bank in the state of Oklahoma. It is also the 50th largest bank in the nation. It was established in 1910 and as of March of 2025, it had grown to 4,853 employees at 117 locations. BOK Financial has an A+ health rating.
Yes, Truly Ineffective, Passive Aggressive And Stone Walling Customer Service
My mortgage is with BOK, not my original provider, but it was bought by them.
Shortly after I became a "NEW" custmomer i received a request to provide my hazzard insurance of the master insurance of my complex to BOK, to avoid them purchasing insurance on my behalf. which i would want to avoid since the condo complex is covered by insurance from the HOA, i did supplythe coverage letter and a copy of the insurance a few days before the deadline. I followed up by telephone, and was told it gets serviced.
but here it starts. a policy was purchased on my behalf since BOK claims i never provided insurance coverage, which was wrong. i provided it again via an internet portal, and followed up with a person that is listed as my customer service contact on my mortgage, i did this via email. I got a reply asking if i contacted the 800 nr. which i confirmed that i had previously, and never heard from the agent again. now i find myself in a situation where i am not getting a reply from anybody over there. i have provided what was rewuested, and i am facing additional charges due to their incompetence. this service isnt what i am used to, and i am thinking of paying off my mortgage with a lump sum, only to not have to deal with this level of kack of customer service.
Ineffective, Passive-Aggressive, And Stone-Walling Customer Service
When I got my divorce, the car was adjudicated to me in the qualified domestic relations order. In the meantime, BOKF took over Mobank, the original lien holder (based in Missouri). I had moved to MN. When I went to the MN DMV to switch the title into my name alone and to change it to the state of MN, they would not issue the title, because the lien holder on record (Mobank) was not the same as that listed on the lien release (BOKF). The MN DMV wanted a document stating that the two were the same, if that was indeed the case. I thought, No problem.
I called BOKF thinking this would be a quick and easy task. It was NOT. They demanded my ex-husband's account information, the last transaction he made, his ATM card number, etc. I said I am no longer on that account or in contact with my ex-husband, but they refused to accept that, and kept pressing me to "prove my identity."
I explained to them that I didn't need anything private from them, simply a statement that they took over Mobank, for the purposes of getting the car title switched to my name only and issued by MN. They said they do not have such a document. They said it's a matter of public record, anyway, so the State of Minnesota should just look it up.
I tried to explain to BOKF that I am not in a position to tell the State of Minnesota what to do.
If this is such public information, I wonder why they can't provide it themselves? And to say that there is no such document is a lie, as I received that letter in the mail when the transition was made. Even if that particular letter does not currently exist, it would take five minutes to type one up and fax it to the MN DMV.
Instead, they kept me on the phone for 45 minutes, trying to make me "prove you are who you say you are." And even though I had stated my question up front, they put me through this weird passive-aggressive exercise until I had satisfactorily "proved" myself to them. Then after all that, they still refused to provide the information.
Finally, they said they would re-issue the lien with the Mobank letterhead. This is not what MN asked for. However, I was so frustrated by this time that I simply thanked them and hung up.
I got the lien release in the mail just now. It is NOT printed with Mobank letterhead. It is still BOKF. Except now it says in big letters to issue the title to my ex-husband at his address in Kansas. Obviously BOKF is aware that this is my address since they sent the lien release to me here in MN.
People get divorced and move all the time. This is not difficult to understand. My ex-husband, pursuant to the judge's order, has signed over the title. I only wish BOKF would cooperate.
Furthermore, if they had no intention of doing the right thing, they should have simply said that at the beginning of the call. I would have hung up and pursued other routes of getting this resolved. Instead, I have now gone through that hour of excruciating frustration on the phone with them, only to wait weeks for a document that is worse than useless.
My ex-husband and I took out a substantial loan that we paid off flawlessly and on-time. To be treated like this was shocking. If I could give this bank zero stars, I certainly would.
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 4214 |
| Year Established | 1910 |
| Employees | 4853 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1% |
| Return on Equity - YTD | 9.54% |
| Annual Interest Income | $618MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $50.35B$49.95B |
| Loans | Q1 2025vs Q1 2024 | $23.45B$23.92B |
| Deposits | Q1 2025vs Q1 2024 | $38.66B$35.67B |
| Equity Capital | Q1 2025vs Q1 2024 | $5.3B$4.82B |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $278.6MM$281.6MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $79.2MM$109MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $1.8MM$2.9MM |