Probate Accountability Public Archive Cullen/Frost Bankers, Trustee

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The purpose is to further object to the lack of response to all written grievances by Helen Nowlin, principal creditor and beneficiary, sent to Cullen/Frost Bankers. To object again to all alleged land or asset sales intended to pay a Crook that designed a scheme to misappropriate assets and defraud the co-legal rights of Stephen Willis and Estate; for a general failure by the respective state courts (OK/TX) to honor the probate and claims processes, Cullen/Frost Bankers, probate representative and attorney of record to recognize Stephen L Willis' Estate's separate rights and those of his separate Texas Trust (under the same name). To fraudulently close the Stephen L Willis Estate in Carter County, OK (PB-24-79) without recognizing those legal rights or to fund Stephen Willis' estate or Texas Trust with 50% of a legacy trust that vested in the son at the death of Sue F Willis on May 19, 2023. I knew Stephen Willis as a friend from 2016 until his death in 2024, and I have a lot of information about the situation.

Furthermore, it is to object to the failure to abide by the probate and claims process in both Oklahoma and Texas. Please refer to a prior email from me, Helen Nowlin, creditor and principal, sent to the official email address of Cullen/Frost Bankers on November 03, 2025. 

Original, final escalation notice to Cullen/ Frost Bankers was submitted by email to the same official email on February 11, 2026, acting as both the manager and legal title owner, evidence within the public's record and as successor trustee of all the assets within the Willis Family Trust, including real property in Oklahoma, and to a general failure by Frost Bankers to ensure compliance with the probate and claims process of its "agents." 

All debts and claims made in compliance with the probate claim process must be paid as required by law and probate processes. The claim by Stephen Willis is for 50% and the subsequent claim by Helen Nowlin was for 20% of the 50% share based on the amended Inventory List filed on April 04, 2025 in the probate of Sue F Willis (PB-23-31) in Marshall County, OK, based on the net Willis Family Trust's value of .$4,940,691.89. 50% of which vested in Stephen Willis BEFORE his death in 2024. The amended Inventory list clearly states is a Claim of John G. Willis Estate (subject to pending settlement agreement).$pending)) 

The agreement to receive 20% as a gift was completed within a year from its inception to the time of Steve's death (and an implied contract was formed and acceptable). Proof of intention by email correspondence and two sworn affidavits in support were supplied as part of the claims process in both OK and TX.

I, Helen Nowlin demanded that Cullen/Frost Bankers protect Stephen Willis' portion. It declined.

I, Helen Nowlin demanded that Cullen/Frost Bankers correct the record where its agents misrepresented or dishonored the facts in the record or the probate/claim processes. It declined.

I, Helen Nowlin demanded that Cullen/Frost Bankers protect Stephen Willis' Estate. It declined. The estate was allegedly closed in Carter County on January 21, 2025 without payment or recognition of its separate legal rights to 50%.

The time stated for corrective action or response expired without proper action or recognition by Cullen/Frost Bankers. All the information needed was given or available in these various public records.

Helen Nowlin