HAPPY STATE BANK RATINGS

If you have an account at Centennial Bank, I would go first thing when the bank opens and pull out your money and close your account! This bank and the people in leadership are so deceptive. The negligence of this bank has caused great harm to my small business and my family. The corruption runs deep. I know I am not alone. The dishonesty and potentially criminal activity by this bank need to be exposed. If you would like to share your story of corruption or negligence by Happy State Bank or Centennial email: Happyiscorrupt@communioncooperative.com and expose what is going on.

This lender completely mishandled my PPP loan causing a burden far beyond what any small business should have to experience in this program. They do not care about small businesses, and they bully anyone who calls out the corruption and use lawyers to intimate because they know small businesses are the weaker party. CEO & President Tracy French and COO John Stephen Tipton called me to discuss my situation. They said they would investigate and call me back. That was June 30, 2023. I never got a call back. Public records show Tracy French has a compensation package of about $1.6m and Stephen Tipton $987,979. I think they could afford to find time to return my call. If your money and business are at this bank you are contributing to their pockets getting deeper while further separating any care for integrity or ethical behavior towards small businesses. They have no problem ignoring the importance of following through on what they discussed they would do and have operated in complete bad faith with my situation with no accountability. The leadership in this bank has no morals but only finds joy when John Allison touts the success of deposits each quarter. As a client at this bank, you are only worth the dollar you have in the bank or what you bring to the bank. They don't care about you, your small business, or the livelihood of your family. If you stay with this bank, it is only a matter of time before you are a victim of their corruption. The first step is to close your account and get out, the second is to email me with your experience and we can work together to expose what is going on and the harm they are causing to mom-and-pop small businesses that are still hurting from the COVID closures.

Very unhappy today, have been trying to resolve a data breach on my account, was told more customers are having same issues. When I researched this problem, they are supposed to notify customers within 36 hours of a problem. My account is for my Social Security and miscellaneous which came in today. I could only draw out $350.00 of it. I discovered this on Monday this is now Wednesday. I depend on that money!

Great place to bank