BBVA USA Bank Reviews

My experience with BBVA over the last few months has been a nightmare. I could never, ever recommend this bank to anyone! I made an honest mistake regarding a balance transfer and what should have been a simple resolution ended up taking almost SIX MONTHS to resolve. Cynthia, the “Client Experience Manager” in Grapevine TX, was assigned to my ticket after getting nowhere with BBVA's customer service hotline. Most of the time I would receive no follow ups or updates, but when I did receive a response, I was either lied to or given a generic response with no useful information. Several times I was told that there would be a resolution “by tomorrow” or “by next week” but then I would receive no further follow up.

I have had two issues with BBVA. Firstly they changed my mailing zip code on multiple occasions. All of a sudden, none of my online purchases go through. Getting this fixed is like pulling teeth. God forbid if you have to move and change your address, prepare for a 3 week fight. Now this is the kicker, my debt card expires in two days, and my new card won't arrive for two weeks. I called them earlier this month to get the ball rolling on a new card and they refused to help me. Now I will be without a card for two weeks. Did I mention that my child will be born in a few days. I guess BBVA doesn't care.

Apparently they’ve been rated “Covid friendly” for their response and customer service in relation to the pandemic. I have been a client since I was a child and I am currently in my 30’s. I recently over-drafted once (currently in good standing) and am suddenly unable to make mobile deposits for a period of 3 months. I called customer service twice and it’s a ridiculous built-in restriction of the system. So—if you are in a financial situation where you have recently overdrawn, they keep you from being able to deposit checks to —oh I don’t know—not overdraw again?? I am currently living out of state and have no branch near me to deposit at. Seems really “Covid friendly.”

Interest rate plummeted sooner than any other online account I have. Closing the account and receiving my funds took well over a month. They even made a huge mistake and sent me someone else's closing check. Complete incompetence.

I applied to BBVA bank online for new business and personal checking accounts on July 29 and received an email to the effect that it is being reviewed. As I had heard nothing for several days I emailed and received a reply as follows: "Please contact our new products department at 866-617-5503 option 1 to decision your application." I thought this a strangely worded response and would suspect that it was worded by someone whose first language was other than English, and possibly indicating a scam or phishing attempt.

This is a small bank but excellent in all areas. The staff are super nice and very helpful. The app is very user friendly. Will loan where others won’t. Notary available usually. Highly recommended!

Great interest rate of 10%. Have to call annually to get a new card. Online website terrible. Have to email them to change your address. Minimum payment percentage double of my other cards. If not for the lower interest rate I would close the account.

This is a powerhouse boutique bank amongst the big players. Beginning early, a customer's relationship with BBVA grows over time into a personalized experience. The offered services are unique and cost effective, my favorite being the $2. monthly fee for all cashiers' checks. There is always a money expert available to advise or guide me to reach a goal or finance a major purchase. Banking is painless at BBVA.

I tried to open a credit card account. Surprisingly, you can not do it online. So, I called them and after giving my name, address, ssn, and dob, she said she has to send me a security code to my phone number. I said go ahead. But their system does not let her send it to my phone. So, she asked if I have any other phone number I can give. I said I can give my wife’s phone number, but she is sleeping now (I was away from home when I called) and I can call back. I called back again and this time a guy answered, and he tried sending it to my wife’s phone. Same issue. Neither my wife nor I ever had any problem getting a security code sent to our phones by any other financial institution before. On the plus side, both the reps are friendly. I suggested to the guy that he better let his management know about this issue, otherwise they will lose customers. I mean, what a stupid reason to lose a customer. I hope he does let his management know.

This is one of the few banks in Birmingham. Customer service is horrendous. They said they issued a new card, didn’t arrive and they stopped old one (been with bank for 3 years) and I have no access to my money and they want me to pay for their lost card. I mentioned I have been unhappy with their customer service and they hang up.

This is the first bank I've come across that's difficult. I pay my credit card monthly by check and they change & deposit the check but don't update my account & they keep sending me emails that I haven't paid my account. I have to literally show them proof each month that I've paid. It's freaking amazing. I open a checking account, deposit money but it don't show that any money has been deposited. I regret opening account or checking and in process of canceling account. Worse back ever, my gosh!

Open accounts, 8 month ago. They never pay me $250 bonus, they charged me $50 all kinds fees. They refused to talk to me, keep sending me misleading, fliers in printing. They are worst in USA. Abandon.

Competitive rates decline much faster than all of my other online accounts. Closing the account is taking more than 2 weeks, I faxed a notarized letter and ID as I was required to do. Phone support for this was poor. Secure mail on website is not acknowledged. This has severely damaged my respect for online banking.

Opened a savings account. Had to update drivers driver's license then 2 days later froze my accounts (2) no notice, no email, no call. Went to use account and declined. After calling the customer service number hold and them searching for an hour can't help me. Call the fraud department. Call there and again searching then hung up. Call back then searching, "Oh you have to call this mumber." Call that number and nope closed. Go all weekend and call on Mon. "Oh we have to verify your address." What the hell is my license. Know how many hoops you have to go through for a license. And have had the checking for years. Tired of big brother. It's my money and I can do as I please. It's none of your business. Unfreeze this account.

Nothing is ever an easy fix with this bank and your issue will not be resolved with ONE call to customer service. If you like being transferred over and over again and explaining your issue to three different people who don’t do anything to help you then you found the perfect bank. The branch will tell you to call customer service then customer service will redirect you back to the branch. This is how I’ve spent my week.

The car dealership put me with BBVA Compass for the last car I bought. Bank of America sends these payments to them each month. I have made these payments for 5 months, and not one month has been posted timely. I have just given up, and tried paying off the loan WAY early. I sent the loan payoff 3 weeks ago, and guess what... it hasn't been posted either. When I get this straightened out, I'll NEVER use this bank again. Also, It's very difficult to reach a real person, and when I do, they are extremely rude.

In Feb 2020 (before any COVID concerns), I have $90K equity in my primary home, 800 FICO score, great debt/income ratio, additional rental income, and even significant available credit (equal to about half the equity). We apply for a HELOC with BBVA COMPASS in the Woodlands Texas. Like many other reviewers we entered the runaround game, not replying to e-mails or answering calls, etc. We had to keep calling in and talking to managers and even they would not provide answers. For whatever reason they drug out the loan process 11 WEEKS! They used the waiting on appraiser, or underwriter excuse the whole time. They took so long we had to re-submit income and documentation a second time.

I have tried to call four times now. The first three times I would get someone who would transfer me then I would sit on hold for another hour then phone would go dead. Last time I called no answer at all. They for some reason have blocked my card and have no access to money on it. DO NOT USE THIS BANK. When you get a hold of someone. They are in a overseas company and you cannot understand them.

Rude Customer service... sent me to collections for one late payment. Impossible to reach by phone during pandemic. They just hang up on you instead. Impossible to unsubscribe from over the top emails and printed mails (isn't that illegal). Avoid this company like it's COVID!

This bank is the worst bank I've had as far as I can remember and I've banked with many many banks. I've banked with the following: Chase, Citi, Bank of America, Washington Mutual, Ally, Kinecta Fed CU, Wescom CU, Union Bank, Barclays, Navy Fed Cu, Wells Fargo, and others I can't think of and BBVA is the worst. I am not just saying this or upset at them. Honest truth feedback. They keep advertising their "Award winning" mobile app but that too is worse banking app I've used LOL. I don't know if their upper management is just oblivious to what's really going on in everyday banking, but their bank sucks. I still have their business checking only because I have 12 different tenants paying rent through there, their branch location is convenient for them and I do not want to make it harder for my tenants to pay rent.

Consumers, please stay away from this bank!!! I started a dispute on Jan 8, 2020, and it was closed on Feb 7, 2020. I went to Ernesto's restaurant in Frisco, TX with my family and I left a tip in cash and I was charged 28.11. That is what I signed AND still have the receipt showing. Our server proceeded to write in his own tip and the new charge showed up as another amount. I called to dispute this with BBVA and they opened an investigation on Jan 8, 2020. I repeatedly told them that I had the original receipt and they continued to tell me that they would contact me if they needed "paper documentation". They never contacted me nor did they gave me an email to send in my paperwork. They "investigated" and on Feb 7, 2020, they told me that they did not have enough proof to substantiate a credit back to my account.

I've had trouble from the start with my money market account. BBVA does not have a physical location within 100 miles of me, but I signed up online due to their competitive interest and an offer of $150 to open the account. From the start, BBVA drafted my bank account twice instead of once, which overdrafted my account on a Friday and BBVA would not let me access the funds until 3 business days so I had no access to cash until Tuesday next week. Fortunately, I was able to use credit cards. After that, I inquired about the $150 for switching. BBVA had no record of the promotion. After several attempts, they "found" the promotion but told me it was only for $100 not $150. Fine. Whatever.

I made a routine online purchase using a debit card for my personal account. My daughter received a fraud alert text for that purchase. Two things wrong here-- purchase was legitimate and my daughter does not have access to this account, so I don't understand why she was contacted, unless there was some kind of error in the way BBVA handles our data. When I logged into our accounts online, I saw my debit card was now blocked so no further transactions would be possible until I contacted Customer Service.

The online banking system is a horrible. I have a checking account with them and use their online banking to keep up with purchases and my automatic bill payments. At one point I was getting my check direct deposit but after 4 paychecks having more than $400 taken from them for overdraft fees I ended that. The online banking does not tell you the correct amount that is available in your account until days later even though it shows both a posted and available balance. Which is why the account was constantly being overdrafted.

Updated on 06/30/2020: This is my second review of this Bank, for checking money market complaints see my other review. This review has to do with a 2.70% 1 Year CD with a principal of $10,000. I opened this account online and funded it with $10,000 only to find out that BBVA changed the rate to 2.3%. They explained that their online banking department makes these offers but BBVA Bank is unaware of these offers that their Marketing department advertises. This took a letter to the Alabama banking commission to cheerfully tell me I had no complaint since after writing the letter to them they decided that they would honor their advertisement for my special case and grant me the rate their marketing people sold me the CD rate at. Now this is not really a Kafkaesque horror story, it's BBVA Bank.

I deal with this so-called "bank" at my job on a daily basis. They constantly and regularly debit our deposits and process them like a check rather than crediting our business accounts. The image is a deposit slip... But description says "check cleared", along with a debit to the account(s). Speaking to anyone is a rather fruitless endeavor, as well. Then they have the audacity to tell colleagues trying to make a cash deposit in branch, that they'll count the deposit money later, there's a line. She literally put the money in a pile behind the counter. Umm what?? What kind of bank operates like this??

I am not thrilled that I got an email stating that BBVA (Compass) closed my savings account at my request. When I called the customer service line, they said that the bank closed the account due to inactivity. Nobody ever contacted me. The agent on the other end of the line was just as perplexed as I am. He said that it will be very difficult to re-open the account. He has no idea why they did it without contacting me or why the email stated that I close it. He said that there is a lot of physical paperwork involved in closing an account, none of which I signed or submitted. Nobody knows why. I am keeping my checking account, but will find another bank or a credit union for a savings account. Probably will eventually move my checking account as well. This really leaves a bad taste in my mouth. I am beginning to think that I made the wrong decision in banking with BBVA.

This is the WORST, most RIDICULOUS credit card company ever. They gave me a credit line of almost $12k but every time I try to use a card, at a gas station or a restaurant it gets declined. I have to call them and spend 20 minutes on the phone, explaining that I'm trying to have a dinner or spend $30 at a gas station. I understand the credit card security. Nobody wants to be scammed or have their CC number stolen. However it gets to a point when I get embarrassed in front of a store clerk or a restaurant owner as though I were a crook, trying to spend $30 on a stolen credit card. It's happened to me at least four times, in a matter of four weeks.

Updated on 01/09/2020: I called back a second time in the same day. I get asked a series of security questions. They send a security code to my phone and I give them the code. He says he is going to get my replacement credit card but he needs to put me on hold. I wait on hold for a long time, and then he says he will call me back. Of course, he never calls me back. I first asked for a replacement card roughly a month ago, and they said they would send one but never did. I have been trying to get a replacement card for roughly a month. This is not the first time that I have had trouble getting a replacement card. The bank actually has been OK on other things but getting a replacement debit card is like pulling teeth. Other banks have issued new cards right on the spot in their physical offices, but with this bank, it is necessary to deal with total numbskulls over the phone. I have had it. It is time to get a new bank.

I have a loan that is paid by EFT from my checking account. I made a deposit on 12/27/2019 to cover the payment due on 12/30/2019. The money cleared my J.P. Morgan Chase account on 12/28/2019, however BBV bank said the funds to pay the installment could not be available until 1/1/2020 and they would charge a NSF fee against me, unless I deposit cash to cover the installment. It was also hard to communicate with the customer service person. I finally asked where it was and he explained the service department is now in Columbia.

Avoid Home mortgage loan from BBVA Compass bank. They don’t have enough experience in this field and they will create unnecessary anxiety for the buyer at the last minute. Instead go for some other more professional and experienced Bank!

THIS IS THE WORST BANK EVER! They lost two of my car payments, tried to hit me with a late fee and the customer service is totally incompetent. They can't resolve any issues over the phone. They have to "write a ticket" for every request. During my last call, the csr was a total goon and I could hear a group of people cracking each other up in the background. Awesome. They shouldn't be allowed to conduct business in the US. I am refinancing my loan through a more trustworthy institution. Hopefully this place will be shut down someday or the leadership will be arrested for fraud. One can dream.

Just like many of you all, BBVA is a fraud! They stated we didn’t have money in the account to cover certain transactions. Which, what they say doesn’t match our records etc. So they say we had so and so balance so we were charged the insufficient fees. I take the info they gave me to do the calculations on my end but nope still does not make sense. They really didn’t try to help or go into more details when I stated my balance from the week to the ending balance. I already contacted CFPB, with my records and hopefully this will resolve my issues. Their banking system is a joke. This bank you really need to stay away from.

You will have trouble contacting customer service by phone. The website was difficult to set up an online payment. I received a reference number yet the payment didn't go through and they charged me two fees for one payment that didn't go through yet did not alert me to the problem. I spent way too much time on the phone to correct this and the best I received was a "ticket" put in for review of a reversal of the bogus charges they added to my balance. Stay away from this company.

They get one star because that’s the only way I have to write a review about them, not because they deserve it. WORST BANK EVER!!! 7 years as a customer and I have a thousand stories but, to make it short, I’ll say that if you start working with them what you will really start is an eternal relationship with their call center where never, I repeat, never, you will get your problems solved. Problems that, of course, they create with their inefficiency and that will lead you in a kind of loop to talk to a person, and another, and another. Do yourself an impagable favor and walk out their doors even before you walk them in.

This bank let someone. Steal my bank account number and charge it to their PayPal account. The transactions looked totally fraudulent but they didn't seem to catch it. I have been at other banks where this would of never happened. They would of stopped the transaction. Now they tell me I have to wait 90 DAYS to get my damn money back. Almost 500 dollars. All of the Christmas money for my 20 year old's Christmas gifts and bill money. What the hell is wrong with this bank. This was not my fault but I'm the one having to go through all the pain and suffering and they don't give a crap at all!

My daughter had some fraudulent checks produced on her account. We called and notified the bank and after their investigation, they ruled in her favor and was suppose to close the account. After the account was closed they accrued 90 dollars worth of overdrawn charges that were from the fraudulent checks. We have called to fix this matter for months and the customer service rep hung up in our face because we asked to speak to a supervisor. I would tell everyone to stay clear of this bank.

I have been with BBVA Compass for over 10 years. The first few years were just fine and I was satisfied with the service. However, in the past 5 years my experience has been that this is a Bank not motivated to help their customers and are operating as if it was 100 years ago. Most recently, I sold my home in Texas and moved to Virginia. I went to wire the money from my account for my down payment and was told it was impossible to wire over $5,000 unless you physically came to a branch. Well, there are no branches in Virginia.

Unfortunately, I experienced BBVA Compass Bank predatory lending and baking scam. After my loan matured, in which the bank's employee lead me to believe this was an open line of credit, I had to reapply for the line of credit or pay the full amount of the loan. BBVA Compass Bank checked my credit (3) hard inquiries, all within 30 days of each inquiry, to renew my line of credit loan. After my credit score went from 721 to 545, I was offered a personal loan at 28% interest or pay the full amount of loan. I expressed my deep concerns to the branch manager, she stated, "I know we've checked your credit a lot but we can offer you a personal loan". I am paying a high percent interest rate to the bank now.

Although, I love the credit card and its interest rates, there are definitely issues. You cannot change your address online, they require you to send them a private message in order to change, address, phone or email. Every single year, I have to contact them to get a new card, when the previous one expires. This has been ongoing now for 14 years. As well, they keep sending me paper statements. I have opted out of paper statements, via their site and mobile app. Yet I keep getting them. When you send private message about it, they send you the same link with instructions on how to stop them. You follow the link's instructions to a "T", only to find you already have them off. So they are the worst credit card company with the best interest rate, is the only reason, I deal with this pathetic excuse of a bank.