Complain about a product or service

Compass Bank

Cliff of Cullman, AL November 28, 2008

Cliff of Cullman AL (11/28/08)
Compass Bank has charged my Checking account with over draft charges in acess of One to Two thousand dollars. 95 percent of the Time its when the money is in my account. They will take arange charges so that the largest transaction of that day is charged first delaying deposits. And then charging over draft on the small charges. Then aplying the deposit and charging over draft. I get paid on Friday and if I use my card friday morning I will be charged when the ATM says I have money I use my card Compass bank says your money hasnt posted.

I have gotten excuse after excuse on why they keep charging me. I will have 40 dollars in my account and charge 5 dollars. Go on friday buy gas after my ATM says my balance is 3000.00 dollars and get a 38.00 over draft because Friday when I used my card my check hadnt posted to my account. I have had over 30 charges for over 38.00 when the amount has been less than 5.00

This has been a on going battle that leaves me with out money I need to pay bills. I have lost almost 3000.00 dollars due to this and when I call they act like its my fault. My kids are the ones who pay for the Fraud.

Kelly of Cedar Park, TX November 22, 2008

Kelly of Cedar Park TX (11/22/08)
I wrote a check to myself from another account that I have and deposited it into my Compass Bank checking account. The branch decided to place a 5 day hold on the check, but didn't bother to tell me such and my online balance did not show the item has being held. It actually reflected in my available, not pending, balance. I received 7 NSF fees during this time period and called 800 customer service line.

I explained that NO ONE had informed me the check was on hold and I used my money as though it were available. The customer service rep tried to tell me it wasn't their problem, but was mine. I then demanded my account be closed immediately. Suddenly he could remove 1/2 of the fees. I, again, became furious and told him I wasn't kidding when I told him to close my account.

Long story short, they waived all the fees. Now perhaps 6 months later they have tried to place a hold on checks from my other account. It is a constant argument about how ludacris that is. I am now fed-up and have already opened another bank account and will be closing my Compass Bank account because of their poor customer service and shady business practices.

Faye of Birmingham, AL September 14, 2008

Faye of Birmingham AL (09/14/08)
I have been a customer of Compass Bank more than 15 years. I basically live from paycheck to paycheck, but I deposit those paychecks religiously on Friday afternoon before the cut-off time as far as funds being made available for incoming transactions on my account. I'm as conscientious about keeping track of my checks and debit card transactions as I can possibly be. Apparently, there are stealth transactions that dont show up until the instant they post, even though its MORE than apparent that the COMPASS people can see them, because THOSE are the ones that have been screwing up my account recently. I have never had as much trouble with their incomprehensible overdraft policies as I have this year.

I fully understand that checks don't float as long as they once did (my rent check will clear within 24 hours). Still, Compass Bank uses what has got to be the most aggravating, arbitrary (and probably illegal) means of applying transactions to available balance. Back in June of this year, I was hit with SEVEN NSF/Overdraft charges -- at 38.00 EACH -- when they counted a PENDING (NOT POSTED) transaction against my available balance. I called and protested and managed to get TWO of those refunded (but I still feel I was owed at least two MORE).

This past week, they did it again -- all because of a 1.00 pending transaction, which caused TWO overdrafts -- despite the fact that I had MORE than enough to cover everything when I made my usual deposit on Friday afternoon. Again, I called and protested, but this time, Ive reached my limit of tolerance. I have already opened a checking account at another bank, and as soon as the last three transactions I have out there for Compass have cleared, Im closing that Compass account. AND if there is EVER any kind of class action suit brought against them for excessive fees and unfair practices, I will happily join in.

Two unnecessary, excessive and unfair overdraft charges totally 76.00.

George of Birmingham, AL May 14, 2008

George of Birmingham AL (05/14/08)
I'm currently out of state nd can provide only what's recallable now! I had fraud on my checking account a few years back. I reported it to the Forestdale, Downtown (5th St/20th No & 1st St/20th So) Branches. I saw a representative at the Southside location who took my info and said she'd correct it. I don' have her name but she works with a friends cousin who can identify her. Anyway, the account was overdrawn from -9+ dollars and charges of 35 per week was added to acrue 201, the disputed amount. At the onset I requested the acct to be closed and a new acct# be given. I can give further details when needed!

I've emailed and asked to see the banks Presidents & Branch Mgrs with no success. My Credit Bureau report reflects the over 90 days and write-offs for my account. It has casted a negative Credit Score and been detrimental to my loan acceptances and the percentages of the loans.

Reza of Plano, TX February 16, 2008

Reza of Plano TX (02/16/08)
The Compass ATM machine ate my business debit card. I asked teller to look into it, and she denied it. She flat out said there is no card in the ATM machine. The next day they called me and said they found a card because a customer turned it in from the ATM machine. I asked them to cancel it. Two weeks went by, but I didn't get the new card. When I called them, they said they never canceled it. I asked them again to cancel it. After a week I got (not one) but two personal (not business) debit cards in mail. I went to the bank, and they said they made a mistake. Now I had three debit cards (one that I've been using) and two new ones. They canceled two of the personal checking account cards, and I kept one of the new cards. They told me I will get the new business debit card in a week. Finally my new business debit card arrived.

A week later I started getting these over draft charges in mail from my business account. I called Compass, and they said they messed up my debit cards and that they have to look into it. Now my personal debit card was taking money out of my business account, and the balance had gone to negative; and they were hitting me with 38 over draft fees every time I made a purchase with my personal debit card. No one ever called me back, so after couple of days I went to the branch. This is almost a month ongoing now. I went to the bank and asked them to look into it. I got interrogated and felt like as if they are trying to blame it on me. Finally they said they will look into it and will call me back. Three days went by, and they finally called me back and said they had voided all the overdraft fees so I didn't have to pay it. But now my balance was negative because I couldn't transfer any money to my business account due to the whole mess they put me in. She demanded that I come to the bank right away to put money back in that account, or they would not cover me if there were any charges coming in against that account.

I was at work, and I couldn't make it to the bank that day. Next day I went to the bank, and she has the audacity to tell me that since she called me the day before, there have been two charges on that account from my automatic withdraw accounts, and now I have to pay over draft fees no matter what. They made me wait over a month to fix this mess, but now they punish me for being behind a day late. DO NOT open an account with Compass Bank. Half of my fiends have left that bank due to similar reasons.

Unable to use my ATM machine, was charged over draft fees because I was unable to check the balance on my business account. Was unable to deposit money or pay vendors.

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