BBVA USA Bank Reviews

I talked to numerous departments with none of them showing any notes regarding issues, forcing them to pull recorded calls. "Upper departments" called and promised to take care of it after explaining to them the mass amount of business I have referred which seemed to change their attitude in a good way until I never heard from anyone again after advised. AWFUL AWFUL experience! Communication is awful within all departments, no desire to hold to accountability for their mistake, and a nightmare talking to multiple people that have no idea what is going on. Not to mention the amount of fraud I have seen come through! Save yourself and take your money somewhere - they will take care of it!

Call your customer service line and was on hold so long. I hung up called back got a rep in which I had to repeat myself over and over again requesting a manager due to my experience. She still did not get a manager. She instead with my approval wanted to help after I advise her no. She went on to say my card will be in on the 17th which is not what I was told by the branch manager. My time is just as valuable as your time. You don't care about the inconvenience of your customers. I was told if the card was sent overnight you will charge me. Wow. This was a joke right? For a new customer this was the treatment I get. Doing the process. To top it off I'm talking to my coworker in the background when your rep should have had me on hold like she said but no she tells me she can hear me. I advised her had she put me on hold and got a manager as I ask she would not have heard me and I was not talking to her.

It's amazing how your rep can address a Comment I made to a coworker. When she stated I going to place you on hold and get a manager but I have yet to get the matter resolved nor have anyone tried your call me back are tired to help. Now it if I was to blast your company and the truth on social media I wonder would you care about your new customers? Then I Google your complaints. 200 complaints in a month OMG. Something has to get better. Now I just wonder will you still charge me a monthly fee and I'm unable to use my bank account.

Not true. As of the middle of July I owed $9158. Mailed off payment 7 days before due. Called on the 31st and my loan payoff amount had rose to $9161. Called again Aug. 1st and it says $9162.70. Payment not credited yet. Next payment will be sent by certified mail with confirmation of date signed. I have no proof yet that they're holding it past due date, but I will next month at this time. Will never use Compass Bank again. By the way I checked with postal service letters from Texas to Birmingham, Al. Take 2 to 7 days, and this goes to a po box so the USPS still delivers those on Saturdays. Along with packages.

I have emailed and been getting runaround, stating online banking has an issue and is dropping payments. I will be going through their voicemail hell tomorrow to speak to a person and I will start mailing my payments rather than using online banking next month so I know exactly when they receive my check. So far, very unsatisfied and my account balance is about $2k higher than what I have on amortization spreadsheet.

This happens for about 20 minutes before you can finally find someone who can "do anything". What I mean by that is they "email corporate" but can't include you in the email because they "can't send external emails". But yet I get external emails from them all the time. I have been promised a call twice from corporate and have yet to even receive an email. This organization does not understand how to properly accommodate their clients and I will never do business with them again! If I can give one piece of information, don't ever do business with anyone in BBVA Compass no matter who gives you a recommendation to do business with them.

Four months later, the slips reappeared in the lobby. Four months after that, they were gone. Now, they're back. For how long? This bank pays peanuts in interest. I have big bucks with this bank and I get about 11/mo.! Give me a break. Mobile deposits are a joke: BBVA will credit your account, at the time of the deposit, and then yank the deposit out, only to send you a snail mail notice, three days after the fact. Unbelievable! DO NOT shred checks you mobile deposit. Keep them in a file, for your own safety, in case you need to deposit them, in person, at a branch.

So far, these checks will result in the above: Money Orders and (believe it or not) US Treasury checks. You'll put them in, using your smart phone, they'll accept them, then they'll yank them out! The feature that allows cashed checks to be displayed, online, is up for a few months, and then vanishes without warning. Here I mean new checks that you write to people and they cash. Sometimes you'll see copies of them online, for a run of a few months, then new checks you've written will only show "Sorry Image Not Available." Insane! Be very careful. I strongly dislike BBVA, but I have too many online vendors established to easily change banks. I really hope yet another bank buys them out, but the way businesses are going in the US, it might be even worse!

Solution: Friend will drive to a branch in TX on Monday and pay $17 which will now have an additional $25 added. Then...I will close the account and take great relish in advising people never to bank with BBVA! DUMB DUMB DUMB BANK. Furthermore, not one bank representative cared and the branch manager acted like I had interrupted her lunch...she was not a happy camper.

We found a house. Put in a contract. After supplying all requested documents and paying 420.00 for an appraisal we were then notified by ** that we were declined. Why were we declined??? The same reasons the PREVIOUS bank declined us. It's been almost three months later and we STILL HAVEN'T received a refund on the appraisal that was never done. I had to go as far as file a fraudulent charge with BBVA Compass (yes, I bank with them too but not for long).

Two or three days later our caseworker at DHS said she still had not received the required documents, and when I called I was told to be patient. Some days I called and was unable to get anyone live to answer to help us resolve this issue. With the application deadline looming near I kept calling back but no one could give me information about what was happening. I was promised that I would receive a call but never got one. No one could tell me anything. Finally one person told me to go online and print out the records myself. He said someone else at a corporate level could assist me with that since I needed records going back so far. I discovered he gave me misinformation.

I called back and a corporate contact with BBVA named ** told me I had been misinformed. But he made little effort to problem solve how to help my mother, his longtime customer. I had to keep prying him for solutions. Eventually I was told that they would send the records "snail mail" to our home address but could not promise to make this happen sooner than 5-7 business days later (well after the application deadline).

He then told me that these statements would cost several hundred dollars. I explained I had a form from DHS that explained Oklahoma law clearly requiring the bank to provide these records without cost. He said that I would have to present these forms "in person" at a local branch (knowing this was impossible since we now lived in another state). He would not accept a fax or an email scan with this information. Clearly the bank was making it difficult for me to prove to them that they were legally required to provide this service without charge. I WILL follow up on this. My mother has little left in her account, it is reprehensible that these bankers seek to charge her for a service they legally must provide without charge!

The bank wasted precious days doing nothing, failing to keep their word. Their action has placed my mother's medical care, health and well being at risk as their inaction will cause the deadline to be missed. I can only pray the DHS caseworker will grant us additional time for BBVA to snail mail the documents to me (assuming they keep their word and send them at all).

Please take my warning, BBVA Compass is NOT a customer friendly bank!!! They do not keep their word, they do not meet promised deadlines, their service reps were not friendly and showed no desire to be helpful.. BBVA made no effort to provide service to a valued customer with an account with them over 17 years. They let me down. They let my mother down.

Second incident, $40 was taken out of my account somehow, and I called to dispute it. They froze account, sent me a new card, and reimbursed the $40, to then send me a letter in the mail 2 months later saying that i now owe them that $40 back after doing their research, which obviously I know I didn't withdraw that money.

Third incident, another $20 went missing out of my bank account about a month after the first incident, they won't do anything about it. I keep getting random charges to my account. I have overdraft protection but yet I went into negatives by $3 supposedly which then bounced up to $41 in debt due to NSF charge. I also opted out of paper statements when I made the account and they keep sending me statements and charging me $3 for them, but when I called about it they said that it shows on their computers that I'm still opted in for it. Whatever you do, DO NOT open an account with this horrible bank, they are trying to take money more and more!

The bank's billing department is horrible too, our interest billing statement was generated on 1st of the month, the statement did not even post mark until the 23rd of the month and by the time we received the billing statement it was already past due. It's like this bank tries everything they can to get you late on all your fees, rates, etc. so they can charge more. DO NOT use this bank for all of you out there considering loans. It's not like we had horrible credit, we had 740+ credit, and decent income, yet this is the kind of service they offer.

I calculated, it took me exactly 2 hours 20 minutes, 5 calls and speaking to 10 different CS reps to find out where is my wire transfer money that was sent 8 days ago. The final outcome is they still don't know and were able to put a trace request that might get answered in a day or who knows. Extremely financially unsafe to do business with this bank. The discussions with CS seem go in loop without getting them to the point.

The $5.88 charge that had originally put my account negative $.01 was being charged another $38.00. When I sent a message disputing this, their false response was that the $5.87 that was shown as a balance was on hold as was the previous $8.00 plus that was shown after the 2.17 charge and there was nothing they could do about it. It still shows online that my balance was $5.87 after the 2.17 charge and has never shown a hold nor was I notified and they have not explained why that allegedly happened. My account being -$76.01 shows that they are full of it and that I was only negative $.01. I am a college student who cannot afford their avarice.

It was not a different business, nor a different amount of money. I know for a fact that it was fully up to the Branch Manager's discretion on whether or not to honor this check. Prior to this, Compass had the discretion to give access to money for checks we have deposited over the limit for immediate accessibility, etc. Not only was this woman determined not to honor the check, she was RUDE. I mean - all but yelling at me in a nasty tone through the drive thru window with my children in the car. It was an incredibly heated exchange, and I told her that she has now lost a very loyal customer. BBVA Compass should put more emphasis on loyal customers than getting new ones. I fully encourage anyone who banks here to look elsewhere for your banking needs.

On the 22nd of December the guy who started this called and said there would be interest to pay but did not say for what. Last week we received a call saying we have to pay $432.00 on a note that has not been closed out. Why is that our problem? When we asked why, we get if we don't pay this interest on the old note they will foreclose on us. The guy who started this can't be reached and won't or can't return our calls. They have other employees calling us demanding that we pay this interest and our now due house payment. They tell us we need to contact the first guy who can't or won't call us back. We are on a fixed income and can't afford to pay both payments at the same time. When we asked them to work with us, they say they want it all right now.

I was so wrong. My debit card was sent to the wrong address 2 times even though I emailed my ID, SS card, and copy of utility bill. Each time I called I was told that a card was being sent and then I was told that they had to place an order. Got an email last night about $25 automatic charge and now I have an NSF fee. I never authorized to have $25 automatically every month. In fact, I have never done automatic payments with any company due to I feel more comfortable in making the payment myself. I wanted to compare customer service so I opened an account with Bank of America online.

I immediately got email confirmation that my account was opened, assistance with online bank, received a starter check, direct deposit check, and deposit slip one week after I done it online. I even received a 2nd letter with my debit card information and password, an email letting me know that my debit card was mailed and the address showing where it was going to be sent to, which was my correct home address. I asked if BBVA Compass ever email their customers, I was told "no". I am going to the branch to close my account after only less than 2 months. I have gone through different banks for years and this has been the worse bank. If you are a person looking to get a 2nd chance checking account DO NOT GO TO THIS BANK!!!

"We will be more than happy to assist you and provide you information about the fee you were assessed. Upon reviewing your account, we are able to see that the fee was due to a paid item of $172.00 for check #**. On 12/22/14, after the check cleared, you were left with a balance of $50.23. However, the sum for pending items was much greater than what you actually had available, $106.18. Since you technically did not have enough funds to cover the item, the item was paid for and the NSF fee was caused and assessed the following day. Please be advised that your account does not necessarily need to reflect an overdrawn balance to cause NSF fees. When you have items pending that total a sum greater than your available balance, NSF fees will be incurred, as you technically have insufficient funds."

I have been through this crap so many times before it is ridiculous. My account was in the positive all weekend. Here it is Monday, my online activity was adjusted and they posted a debit before my deposit and charged me an NSF fee. This is 3 days later. I am closing my account and I really hope that a lawsuit is filed for fraud by someone who the government will listen to...

So now I have no money, couldn't give my baby a birthday party, pay my rent and buy food and I get was they are going to close my account. Well fine, but what happened to call the account holder and ask what's going on...so in short don't trust this bank or open account as they will screw you up and ruin your life......and your name on the word of nobody off the street. I haven't received any paychecks in three week as the company won't send me anything till the bank send them a letter on letter head that they made a mistake .........so far I am out 125.000.000 dollars but hey, they have a roof and food and birthday parties. They could care less about the little people. I am looking into seeing this bank.

Unfortunately I opened a new checking acct. with them a year later. They did another "hard inquiry" on my credit score. My checking executor did not tell me and I have never had that done for a checking acct. Also they know me from my payments to credit card. I tried every way I could to get these removed but no help from them. I even emailed them and they never emailed me back. JUST BAD CUSTOMER SUPPORT. They haven't stolen any on my money yet.

Fast forward to today (8/2014) I get a phone call from a random guy in NY named Steve ** who did not identify his company. He stated that he has paperwork filed in my county in TX for fraud charges against me regarding that Compass Bank account. He gave me a docket number, claims I owe over $1500 and if I do not respond back to him immediately, I will lose my right to represent myself at a hearing which, by the way, is in three business days. WHAT?!?! I've never been served any court summons??? I immediately called my county courthouse and gave them this "docket" number which turns out wasn't a valid docket number at all. How could I owe $1500 on a closed account from a year and a half ago? I don't write checks and there was no outstanding bill pay or ach items. I'm infuriated... so you better believe I'm contacting my attorney and getting to the bottom of this.

With that said, let me get to the point. My barber called me and told me they found out about a phishing scam at the shop I go to, and it would be a good idea to get my debit card cancelled. I called Compass to do just that and see about ordering another card. I was told by the associate on the phone that since I don't have any erroneous charges on my account, I'd be charged to replace my card. Wait, what? I have to wait until my card is actually compromised before I can get issued a new one at no fee? Pause, nothing wrong with recollecting our thoughts and keeping composure. I went ahead and paid the $5 fee. Fast forward 3 weeks....I STILL HAVEN'T RECEIVED MY CARD.

When I called customer service, it turns out that the card hasn't even been sent out yet. It was in "pending" status. They apologized and guaranteed they'd send it out immediately. Fast forward 2 more weeks....I STILL HAVEN'T RECEIVED MY CARD. I've received statements and everything else from Compass but not my debit card. When I go to the actual branch this time, I get told they'd re-issue me a new card but I'd have to pay another $5. Wait, what? I don't need to pay a damn dime, if anything this needs to be expedited at no cost to me given that it's been 2 months of this non-sense.

The teller looked into my account and told me that it appears the card has been "returned" on my end. I calmly look her in the face and remind her that I've received my statements and everything else at my address... it's an awful funny coincidence that this elusive debit card also was returned by a postman I talk to 2 to 3 times a week when I'm home. I asked her to have the card sent to the branch and expedited immediately. She tells me it'll take another 2 days and that I would be charged a $50 fee. I calmly remind her that I probably don't need to be charged a dime given the 2 months they've had to deliver a card. When I call in I have to verify all of my information damn near to my mother's blood type, yet they won't use any of it to notify me that they're having problems delivering my card or ask me for a alternate method of delivery. I mean... why would they do that right? What in the hell is Customer Service anyway?... They're doing ME a favor letting me bank with them.

Needless to say, it's Friday August 1st at almost 9 am and I'm still waiting on my paycheck which should've been direct deposited into my account at 12am to hit. I tried to call customer service and the 1800 number was "busy". Seriously. The website is crawling slow and I'm positive there will be some half baked excuse on why it's taking so long. I CANNOT WAIT to get my money. I will be going to the bank and closing my account immediately and moving to either a credit union or another bank with better service. DO NOT BANK AT COMPASS.

Now today I am at work and had to purchase something online, and it declined my card. I call the bank, and again, they can't tell me why it has been deactivated, and has reassured me that it was not for fraud reasons, but they have no notes on the account as to why they deactivated it, and they will send me another card. However, I am at work with 37 miles of gas in my car, no cash, and do not get off until the branch near me closes. I am extremely frustrated as to how someone has the authority to deactivate my debit card (my pathway to MY money) without notifying me, and without my authority, and leave me stranded without a way to get money to get home. Looking to take all my account somewhere else!

My wife has emailed relentlessly and got nothing done. She also emailed a representative scanned copies of all the paperwork that we signed. My wife has saved all the emails and the representative has stated that she called the department in charge of that and forwarded the paperwork to them and that their legal department was "looking in to it". This has been going on and still continues today, with NO RESULTS! We are sick of it! We will never use this bank for anything else! It has prevented us from getting a house until they clear up this problem.

If I had known it was in the negative, I certainly would have addressed it. The original amount that they say was over was only a few dollars. But now they say that the amount has ballooned to almost $500 due to NSF charges, monthly account fees and a fee for not having direct deposit. Let's go back to the beginning. I CLOSED THIS ACCOUNT. Why am I being charged monthly? Since I closed these accounts Compass Bank has never sent me a monthly bank statement in the mail as they did when the accounts were open. If they did, I would have seen that it was in arrears and I would have paid it. Why have they not had the courtesy to call me. I was a valued customer, right? Now I have a collection company breathing down my neck. I just don't know what to do. I have excellent credit and always pay my bills on time and now this could destroy my chance of getting a mortgage. If anyone can give me some advice please email me. Thanks.

Weeks passed by, I got emails and calls saying I owe them money, lol. All I know my account is already close and that is that. After few weeks, I finally get enough and called them back. They told me I still have 2 payments that's due on my account, that the customer service miss. I said I do what he told me to do. I had no idea that their customer service can't see my pending payment. Lol, I wouldn't asked you what my other pending bills if I already know the answer. What's the point to ask? He really don't gave me a right information, now I stuck with $135 fees.

I have enough cash to pay all my bills. I never late pay my bills. I called and called to 1800 compass. They said I have to pay all my bills and the $135 late fees. I don't mind to pay my own bills, but the late fees is not come from my mistake. Honestly, I'm very angry. I'm thinking to sue Compass Bank. Seems like there are lots people with same situation like me. If we can get 20 or more people, we can sue them all in once. Compass/BBVA is robbing their customers. We should not let them take advantage of us.

I am 55 and honestly, I have NEVER had to wait maybe more than 20 minutes. And for them to not have a system to tell me how many calls are ahead of me with wait times like this is not acceptable. Then they tell me to contact the bank to find out why I couldn't make a deposit. Do I look like I am paid by Compass - really! They also told me to log in to their website to find the closest location. I didn't have internet access so this was impossible, that is why I called them. Are you kidding? Excuse after excuse. Last week when I made a deposit, they added $20 to it, which I noticed after I got home and had to call the bank. This is not my first/second instance with stupid issues with this bank. I am moving elsewhere. It isn't worth the time and aggravation.

Fast forward to this week, somehow Compass mysteriously pushed through the same charges again therefore leaving my account negative 141. I called the branch, and customer service and they blamed it on the rental shop. It was not their fault but somehow Compass does not have any record of the rental shop debiting my account last week. It somehow disappeared. Now I had a deposit from work that came through today and they took all of my check to cover negative balances that I didn't owe. I hate the day I even opened a checking account here. DO NOT BANK WITH BBVA COMPASS.

I am closing my account with them as soon as my items clear so fast til I can't wait. Thought they were better than that. They are the official Mavericks Bank and that's it. If I was a Dallas Maverick, the outcome would have been different. So they did not care that I was scammed by a company that was proven to them that they were fraudulent and took the amount of $169.99 & I am stuck with them til January 2014. But they will never get another phone call from me again to do more damage to my computer. Don't trust them, and don't depend on Compass Bank to help you either.....

May rolls around and nothing. This time my wife goes to the branch and makes a debit card payment (again + $3) and is assured that they will auto debit us in June. She leaves her info for this and I talked with the teller over the phone telling her that we are not going to "beg" Compass Bank to take our money. Get it right so we have to stop going into the Branch. August comes and I get an "important document" postcard in the mail saying we are behind on our payments but no phone call. I call the CS # on the post card and I am told that I need to make some payments that I didn't make.

I told the CS agent that if Compass isn't going to take my money I don't know what to say? I requested that they place the payments at the end of the note so we are back up to speed; (your fault/your problem). I was given a case # and I was told that he couldn't make that decision and that someone would have to call me back (that was 3 weeks ago and still no phone call). Last week of August, I get another item from Compass Bank in the mail stating that they have no record of insurance for our vehicle. I called my insurance agent and she sends that info to Compass (again). 08/29/13, I get the second of 2 phone calls in a week from Compass telling me to stay on the line for an important message. I stay on the line for about a minute and both times it "clicks dead". I redialed the number and talked again with a different CS agent than the first time.

I explain my plight. I have made multiple attempts to get Compass Bank to take my money and if they don't want it I don't know what to say? I tell the CS agent to look up Case # and she can't find it (but claims it appears to be a number generated from their department). During the phone call, I also find out that Compass Bank was researching/trying to find out what my phone number was in May. Why wasn't that on the original loan document? The CS agent discusses the issues based around all of this with her Supervisor and they came to the conclusion that since I have not made 9 payments with them that they would not be able to "back end" any payments that were missing. I am also told, after asking, that if I want my $3 back for having to use a debit card in the Branch that I would have to go there to settle that (the debit card was used for payment and to secure and assist with auto payment).

My advice: If you want a loan from Compass, prepare to not get billed. They can't set up simple auto drafts from other banks on even the 2nd attempt but will charge you at the Branch for the convenience of using a debit card to make your account right. They won't have all the info to service your loan including a phone number. If you get behind on a payment (because they don't know how to auto draft), no one will call and you will only get a junk mail postcard. You will also have to submit proof of insurance more than 1 time. If you do call them to make heads or tails out of the loan, you will get a Case # that can't be found and they won't call you back for resolution. You will also receive autobot "important calls" and they will hang up on you after a minute.

I can't say that anything in this loan went the way it was supposed to? I am surprised that a bank can continue to do business like this and stay in business? Other than "sorry", there was nothing that Compass Bank could do to rectify this situation other than to make me pay the past due amount that they wouldn't bill or take from me when they were due.

They have on multiple occasions held the deposits and cleared other transactions first. Recently, I found that a class action lawsuit had been filed against Compass Bank for this very reason. In the suit, Compass admitted to doing this and stated there is nothing illegal about this practice. Recently, I lost my job and decided that it was in my best interest to close the account so that I don't overdraft the account and cause myself any more stress. When I checked the balance online, I was seeing very small transactions of about $1.38 regularly, with no explanation as to why there was these charges. I walked into the branch and told the teller I needed to close my account. She told me she could not close my account and I would have to speak with a banker to close the account. So I waited to speak with a banker.

I explained my situation to the banker saying I needed to close the account. He said he understood and wished me the best of luck in finding a new job. He said when I find a new job he hoped I would consider coming back to Compass. About three weeks later, I start receiving NSF notifications from Compass Bank. I call them to find out they did not close the account. It is their policy to hold the account open for 30 days I closed the account. Now, they are telling me I owe several hundred dollars in NSF charges because they refused to close my account. I have never worked with a company whose moral compass has been broken so badly. They work any loophole they can to drain their customers and account holders of hard earned money. I will never again grace that bank with my presence.

So I call and speak to a customer service rep. Come to find out - Every payment we have made (other than the first one) has been credited to our account the exact same day as a "Fee Assessment" has been tagged to the account. After some research at our banks, we find that no matter when the check was dated and mailed, none were credited to our account until one day after the "10 day grace period". So in essence, from the day of mailing, payments took anywhere from 12-17 days to be credited to my account. And each of those payments was credited the EXACT same day as the fee was charged.

IF this happened just one time, I might think it was a coincidence. But happening EVERY month? Seriously? The "grace period" is suppose to give the consumer the benefit of the doubt - you mail payment a couple of days before due - it takes a few days to be delivered by the USPS - and gives a few days still for the payment to be credited. Something is fishy...

As I left Compass, frustrated and mad, I saw Service Security Federal Credit Union and said well I might as well check with them. I did an easy application online and they promised a decision in one hour. Yes, you heard right, one hour, not three days. I called back in one hour and 10 minutes and they said, "You are approved, " and I had a cashier's check for $10K in 2 hrs and 10 minutes from the time of application. WOW, BBVA Compass, you need to be retrained by these guys. You are most unprofessional. Yes, I now proudly do all my banking at Service Security Federal Credit Union and highly recommend all Compass Bank customers move to a real lending institute.

While I was on the phone with the bank (a person who couldn't give me any answers), I noticed that our temporary coupons and the postcard had two different account numbers. It turns out that we have TWO accounts for ONE mortgage. I made payments on one account, the only account I was aware of because that is the account number on the coupon. I never got payment coupons for the "defaulted" account. The rep I spoke with told me that this would take 3 business days to work out but, in the meantime, we should call our loan officer.

We talked to the loan officer the following day. He said that we were the second ones to call about the same problem, but it would be sorted out in 3 business days. They would just delete the "defaulted" account. A week later, we call to follow up to find out that they deleted the account we'd been making payments on. REALLY?! So now we have an account that is delinquent and the account we'd been making payments on is totally deleted. AGAIN, they said that it would be sorted out in 3 days. So we are sending mortgages payments to a bank that is not crediting our account, but adding penalties, and possibly defaulting on our mortgage.

I'm just now waiting to find out if they are going to foreclose on us AND this is probably affecting our credit. These people are IDIOTS! They are full of apologies but do not solve the problem. We also called the loan officer again in hopes that he would expedite the process. He acts as though we are bothering him and this is not his job.

That month they took out over $100 more than they should have, so again I gave them a call. They said it was because he didn't have insurance. I explained that he did have insurance and that I faxed it over. She found evidence where they had received it and then proceeded to tell me that they couldn't refund the money. They would just take it off the back of the principal. I said alright and asked if they could please make sure that it doesn't happen again the next month. She said, "Oh yes ma'am. I will make sure for you."

Well the next month rolls around and they did it again. I called and we went through the whole process again. Only this time I asked them to put it back in his bank. "Oh, we can't do that ma'am. We'll just take it off the back of the principal." This has continued to happen again and again. I will call them again and this time we will stop the auto payments. They are the most unprofessional people I have ever dealt with. If anyone ever asks me about using them, I will tell them to run as hard and as fast as they can in the other direction. They are very unscrupulous.

I would simply pay the interest that may have been added after I paid the account off, but I refuse to pay the late fee and any other interest for March or April. They said I should have seen the balance on the statement. I said what statement? I have never received any statements. They could not see why I don't have statements and treated me like I was not being truthful. I said I just got this late notice. Any suggestions? Frustrated and tired of being fleeced by this bank.

So in addition to the above nightmare, now I find out that when I closed my accounts, they did not provide me with correct balances to do so completely. Amazing, huh? After spending three hours on the phone being informed how inappropriate it was for me to abandon an account, finding out that they had an address and a person on my account that was not authorized, etc., I sent them the information they requested for closure and disbursement of my funds. Ready for this. The day after I had this conversation with them, they emptied my accounts and forwarded all funds to the state! Now I have to go through that process to attempt to claim my funds from the state. Please, please, please do not ever consider doing business with Compass Bank. At some point, you will be screwed!

They charged me for two NSF charges that day and then charged me additional two NSF charges on the day it actually posted to my account for the same exact charges! I was furious! How can they charge NSF charges for an approved, pending transaction? These don't always clear as we all know; sometimes places will do an authorization for a certain amount and then put through a different amount for the actual charges. Surely, there is something I can do about this! They tried to tell me that it was Visa's fault that it was done this way!

Okay, one week after the 30-day period, I noticed that an item from BBVA had cleared twice, once on the 17th and again on the 25th! This item was for $200 but because I was not expecting it to clear "again," I was charged a fee for the OD, the transfer from my savings and it caused a small check I did write to need to be paid ... so yes, those fees again. This was Thursday afternoon. I called Customer Service who transferred me to Disputes (for the fees, I guess) who then transferred me to Fraud. They opened a claim and told me it would take 24-48 for the funds to be deposited. I was looking at the calendar, so I said, "In the meantime, should I make a deposit because I do not like being in the negative?" Plus, I wanted checks to be paid. "Of course, that would be a good idea because it might be Monday before money is put back in your account," was the reply.

Now it was 5:02 when I made it to the bank. They were locked so I tried the ATM. No! I got all the way to putting the deposit in when it told me the transaction was cancelled. I called Customer Service back, "Is there something with my card?" "Oh no, must be the ATM, try another drive 20 minutes across town." It had the same response. Another call, this time I called Fraud back and I was told that my account was frozen ... yesterday, "speak with the home bank!"

Really? You mean the 4x I called, no one could have mentioned that? So, the next morning I talked to the asst. mgr. and she informed me that my account was to be closed for irregular deposit activity. Corporate Security found it odd that I only deposited "First maker checks into the account." Now I am dumbfounded since I believe I told everyone from the start that's what my intention was. And oh by the way, when I asked about bringing cash, it was shot down for "gaining account history."

So, I let her finish then I said, "I thought you were being proactive because you found the person who managed to deposit and clear the same check twice!" Let me say this too, Fraud and Disputes had put lengthy notes in the system from my conversation so it looked really bad that they were trying to close an account due to irregular activity from deposit - my own - and their own fraudulent one they could not even explain! All she could say was, "We' ll look into this and get back to you."

The asst. mgr. called later that afternoon to advise me that Corporate was still uncomfortable with the way I made my deposits. I told her to call back and be clear that I advised 2 employees of my intentions at the time of opening and during the 40-day review. I have no problem with closing this account because it is not a match for me, but I am not going to be labeled with a "suspicious activity" closure. Also, what's the status of and can Corporate Security tell me how a check can clear twice?!

I went in to the branch to talk to them about straightening out the account and basically, it was just my tough luck. I went outside to their ATM to get cash out of my credit union account to cover all these fees, plus the overdrafts and deposited it into my account around 9AM. By the way, their ATM fee is $4.00 (highest I have ever seen!). According to the teller, this would bring my account in good standing. Well today I looked at my account and found that after I made the cash deposit, sometime in the afternoon, another debit came through and they again took out the debit first before crediting my account with the deposit. Another $38 fee.

I am very disgusted with this bank and am closing this account as fast as I can and not putting another dime there. Warning to potential customers, go somewhere else. There are better places to put your money without all the ridiculous fees. A community bank or credit union is way better! I hope this bank gets what it has coming to it.

Oh, did I mention that when I had my bank account, this line of credit charge card did not have an annual fee? The fee was assessed, because I no longer had an account attached to the credit card. (Of course not, I closed the account.) I asked how I could escalate the issue and was told to contact the branch because only they could close the account and waive the fees if they determine they are not warranted. I called the branch and was told they would "check into it." I finally received a call back after 3 attempts to get someone to help me, and the final answer was that I owe the fee and should pay it by coming into the branch with a letter to close the account. (Not this again) I have refused to pay the $20 annual fee, which has now compounded with penalties to $61. The credit card company has turned this into the credit agencies, and I continue to get harassing calls at home to pay this bill. I do not know what my options are to dispute this, but clearly, I am getting the runaround by BBVA Compass.

The lady that I spoke to asked if I signed any documents to activate my account. I said no because I did it online. Then she told me to go to a nearest branch and to activate my account. So at this time, I'm already frustrated but I try to be as calm as I can. So I called customer service again and explained to them that my account is frozen and I have no idea why since the representative I talked to haven't given a direct answer. So she looked at my account and she said she was going to speak to call the Corporate Security to find answers. So after she talked to the Corporate Security, the representative told me that my account is frozen because my driver's license was missing some info. This didn't make any sense since I emailed them a copy of my driver's license and my husband's id card. They told me that since my account is new, they want to make sure that everything is correct. So how come nobody called me and let me know that I needed to verify some info?

So he instructed me to go to the branch and show my driver's license. So I did that. The teller told me that he will make sure that he submits my documents to Corporate. They wrote down my number and he told me that he will call me for updates. So I gave my number and my husband's number. After 30 minutes, a guy from corporate called and let us know that the account will be unfrozen not later than 2pm and we will have access to our account. Two o’clock in the afternoon showed up and there was still no money. At this point, I'm already mad. I have to pay my daycare and bills. So I called again, this time I requested to speak to a supervisor. So the supervisor that I talked to did some research and she put me on hold and called the branch. After being on hold for a few minutes, all of a sudden I was on the phone with the branch. The representative was like, “I'm still trying to find out info on your account,” and put me on hold again.

Then after a few minutes, she came back on the line and asked if she can call me back. At this point, I'm already nervous and upset. I went online and looked at reviews for this bank and all I found was a bunch of negative reviews. Some people that made a comment mentioned about their direct deposits being on hold for a few days. I was concerned. Finally I got a phone call and the representative at the bank told me that my direct deposit will be in my account tomorrow morning and they will process it at midnight. They explained it to me that because my account was frozen, the system rejected the transaction. They will do it again at midnight and assured me that the money will be there tomorrow morning. The next day, still no money. I called customer service again and he apologized about the issue. He said that he will call the branch as soon as it was open and will call us back.

So at this point, I didn't trust anybody anymore. I called the branch myself as soon as they were open. I explained the situation. The representative looked at my account and told me that he doesn't see any pending direct deposits, as it was rejected and sent back to the employer. At this point, I'm livid. They have been giving me the runaround. So I called back customer service and asked them to look at my account and see what happened to my direct deposit. The representative looked and told me that she can see a pending direct deposit and that it would be available in my account on Monday. She told me that the bank has two different systems and the one that processes deposits is run by a federal system and only do deposits on a weekday. So I asked to speak to a supervisor. The supervisor that I talked to was the same guy that we have been talking for 2 days. He apologized and told me that the representative that I was talking to couldn't see the deposit because he was using a different system. He assured me that the direct deposit is pending and should be available by Monday.

Then he said that he is working with the branch to credit at least half of our money and would call us back as soon as it’s done. After an hour, they called and said he couldn't credit our account due to that the Corporate security is closed and the branch manager wouldn't be back until Monday. My husband hung up on him. Then he called back after 10 minutes to ask if crediting our account for $200 would help. At this point, I'm furious. I was like, “This is ridiculous that you have been giving us the runaround. I just want our money. You guys have no reason to hold it and we don't owe the bank anything. The account is new and we never even did any transactions yet. This is so unfair.” The guy was like, “Well I'm trying to take care of the problem and I don't want you guys to have a horrible experience.” So he credited our account for $200. My husband's paycheck was $2,300. Not even 1/3 of our paycheck. He assured us that he will call us on Monday and he will resolve the problem and give us our money. He sounded ashamed. He should be.

As soon as we receive our money, I will close this account. This is a horrible bank and I have never heard of freezing an account because they needed a driver's license to verify my identity. For them not calling me to fix this, is unacceptable. How am I supposed to know that something was wrong with my account without them calling me? Like I said, this a new account. I haven't deposited any checks and made any transaction. I didn't make a fraudulent transaction for them to freeze and hold my account nor did I owe the bank any money. I never banked with them before. Not to have any access to our account is just plain ridiculous. They have held my deposit for 2 days now. They have been giving me the runaround. I'm disappointed. We are supposed to trust our banks. I regret not researching first.

The only reason why I opened this account is because they have branches in Texas which is where we are moving in September. Also, I wanted a bank where I can walk into and deposit money. My other bank is only online. I better see my money on Monday or I'm definitely contacting a lawyer.

I received an e-mail alert from Compass on 06/14 that my online statement was available. Great. I logged in and discovered that there was no indication of the previous payment and there was a late fee of $13 attached. I went into my checking account and realized that online payment for $648-plus had never been deducted from my checking account. Additionally, when I tried to view my interactive statement, I was summarily informed that I needed Adobe Acrobat Reader 6.0 or higher. I have Adobe Acrobat Reader 9.0 and I believe 9 comes well after 6. I went in to my local branch on 06/16 and the customer service rep tried very hard to sort things out and get things straightened out, but absolutely there’s no cooperation from the big bank.

They said there was no record of my payment and even when the rep told them I had printed out a confirmation page, they demanded a number which didn't exist anywhere on that page. When she asked for a courtesy reimbursement of the $13.00 late fee, they said no because it "wasn't a bank error.” Essentially, they gave her no help or suggestions on how to resolve the issue. She talked with her local manager and he agreed to reverse the $13.00 late fee as a courtesy (I've only banked with them since 1994). The customer service rep, after checking to make sure there was no pending payment hanging around, had me sign a form whereby they would take the $648-plus payment out of my checking account and apply it to the credit card.

So far today, 06/17, nothing has changed, except that I now have an additional fee of $9-plus for something. My session timed out and now I can't get back in (this has happened several times over the last few days as well). Apparently, this issue is still not resolved. I don't know what to do next to get the credit card paid off and stop incurring inappropriate fees and then close this credit card and my checking account with Compass as soon as possible (has automatic deductions so kind of dicey).

In 2011, I approached BBA Compass Bank for a loan to purchase a house. The bank wasted 4 months of my time and finally told me that the loan was not approved! They charged me appraisal fee and other fees, and I lost my earnest money due to the excessive delays in processing the loan. Just 2 weeks after they declined to give me a loan (which was not a legitimate reason), I found out that my 12-year-old checking account was also closed! I went to the BBA Compass Bank in Arlington, and they told me that the account was closed. I asked them for the reason, they said that they can't share any information with me about that! Of course I became more upset, and I insisted that they need to tell me why they closed my checking account without notice and without reason. Finally, after several attempts and calls to the BBA Compass main office in Alabama, they told me that the account was closed due to "uncomfortable transactions"! That really took my attention.

I asked them what kind of transactions they are referring to, but they declined to answer any question. I tried again, and they never talked to me again. I asked to talk to one of their executives to find out what is going on and what kind of transactions they are talking about, but they never called me back or gave me a chance to ask and discuss that with them. I am 100% that what they said about the "uncomfortable transactions" is completely wrong and also I consider a dangerous attack on me as an individual. Initially, I thought that it must be an error where they may have meant someone else! My account remained in perfect status since the date it was opened in year 2000 until they froze it and closed it in 2011. Now, I don't know what to do! I feel that I was abused by BBA Compass, I feel my rights were violated, and quite honestly, I feel that I am living in a third world country under no freedom or rights.

Appraisal came in well within the needed amount. Bank continues to stall me with different requirements in reference to the unpaid medical account with last thing being that I needed to have the negative listing removed. Explained to the Bank that I have no power over Equifax... just today ran my Equifax report and found no negative accounts listed in Equifax or any other credit reporting company. I just want my money back from the appraisal and I will look for a bank that has properly trained people with a little common sense. Lost... very angry and out $400.00 hard earned dollars. BBVA COMPASS has extremely poor service and you are just a number for them. Seems like it's not also convenient for Fannie Mae to refi my loan that is currently in excellent standing.

Three days after our car was taken by Compass, we received a certified letter which stated our car would be picked up. In order to get your car back is a nightmare in itself. I have been buying vehicles since 73, and I always paid them off. I never had a repo in my life. I was so mad that I couldn't see straight. We had to deal with Compass bank in Alabama, and they are the rudest non-caring despicable people I ever dealt with in my life.

If you or anybody else is thinking about using Compass Bank, you better think again. Hyundai needs to know how Compass treats their customers and should quit using them for customer loans. When dealing with Compass, you never know what state or city you are calling, because they are constantly switching you to different departments and they won't call you back until the end of the work day when you are stuck and can't get anything done and the charges keep piling up.

There is nobody there to complain to or be helpful; it does not exist. You are stuck with the mess they created. If you want to be treated like a dog or spoken to like you are nothing, then deal with Compass. I can't use the language to describe those people and that company, but I bet you can guess what I mean by "Get away from Compass." If you or anybody else has complaints about them, please spread the word because they need to be stopped.

My question to the bank was (1) why wasn’t the money automatically transferred from my savings to checking which I have signed up for. This is the perplexing thing because I transferred the money myself and believed and showed to have put my account in the positive, the debit came through before the transfer causing an NSF to occur and my transaction sent back unpaid. If I had allowed the automatic transfer to occur, I would have only been charged $10.00 and my transaction paid. This makes absolutely no sense to me except this bank (like so many others) couldn’t care less about their customers or quality customer service. They are like hounds waiting to take your hard earned money.

My second issue is this. I have an account that I use for personal expenditures such as hair, nails, etc. It's what I call my "Personal Account". I have $75 a week direct deposit going into this account, which if you do the math equals $300 a month. The rest of my money goes into a "Bill Account". I have had both accounts for 5+ years and have never been charged a service fee, but beginning September 1, 2011, BBVA Compass implemented a service charge on all personal accounts unless you qualified for the service to be waived. One of the options is to have direct deposit of at least $300 in one deposit! Not a total for the month, but all in one deposit.

This is the most ridiculous thing I have ever heard, but again we are talking about a bank that steals every dollar they can every opportunity they can get, again, not caring anything about their customers. My question is this, why has banking become so difficult? Debits, credits, money in, money out. Tell us when your cut-off time is for deposits to post the same day and let us spend the money we work so hard for the way we need to care for our families and stop with all this insanity.

I no longer can use this card, and I want to keep it clean. I have been told multiple times that they will correct this, but it is never corrected. They will not send me any verification that they are making the corrections. There is also no way to escalate, and calling their help desk is my only remedy.

Since my 2 grandchildren are not 18 yet, they cannot get their money from the state, but with lots of leg work and tons of paperwork, I was allowed to apply for the funds. The state has had the claims for 22 weeks today. I just called to inquire how things were progressing, and was told they had not started on October's claims. They are still working on August's claims. Thanks, Compass Bank! Sara will graduate in May. The incompetence of your employees is inexcusable.

While signing up for the account, the banker asked me if I had direct deposit with my employer, and said yes. I told the banker I was with Wells Fargo, and I got my money every two weeks, first thing on Saturday morning, being available for my use. In turn, I asked the banker if BBVA hold direct deposits sent in on Fridays, and he said they don't, and that money is available after they receive it. I received my first two employer direct deposits sent to BBVA Compass but I didn't get my money until Monday morning. I had called and talked to two phone bank reps and one stated, "your direct deposit money should be available on Saturday, and not Monday". When I called back a day later, a different rep stated, "your direct deposit should be available on Monday" and said BBVA doesn't process any employer direct deposit that come in on Fridays, and hold them and release your funds on Monday, being a company policy. I went to the bank, and the assistant manager told me the same thing as the second rep.

I was lied to when I was there, going through the process of looking at opening an account about direct deposit by the original banker. Then, I also got conflicting stories from the online bankers, and the bank's assistant manager. Also, on their website link I have provided below, they state that when your direct deposits go in, it is available immediately with no holds. See the below link and verbiage I pasted from their site as well. I also went back over the paperwork I received, when I opened the account, and nothing on any of the signed pages say they can hold your employer's direct deposit to their bank for you.

I filed a complaint against that branch with the assistant manager a week and half ago, and no has called me back. I called yesterday, 2/21/2012, and asked to speak to that same assistant branch manager, and one of the banker said she was busy with customers, and said she will call me back, and asked me to leave my number, and I did. 24 hours later, still no call. I called the 800 customer service number and let them know I would like to have it escalated, because of the issue, and no return call from their customer service division that handles this, and also no return call from the branch assistant manager.

I set up a basic checking account with BOA simply for its convenience in my current temporary location, and left the majority of my money in my existing 2 BBVA/Compass checking accounts. Little did I know that BBVA/Compass would change their policies in order to take advantage of customers like myself, who had the audacity to assume their money would be safe in BBVA/Compass's hands.

In January of 2011 they apparently notified me of an $8 processing fee for the account, but I never received it, and the charges never were implemented. In fact, it wasn't until October of 2011 that the processing fees set in for me, and by then, it had been raised to a fee of $10.95/month. A fee for doing absolutely nothing to an account that I had no reason to even check for the past 8 months. To make a long story short, by the time I realized what was happening, they had stolen $40 from my account. This is how BBVA/Compass thanks its loyal customers, by preying on people like me who were foolish enough to put their trust in them. Not only has it taken me forever to straighten out this mess, they make it virtually impossible to do business over the phone, never getting a straight answer from anyone I've talked to, and forcing me to drive 2 hours out of my way to go to the nearest branch office.

I have decided to move all of my money to a locally owned bank. Even though I'm happy so far with my BOA account, it's worth it to deal with people face to face and to know that they take better care of their customers.

I asked the man who answered the phone at the branch that I show a $1.99 available balance and had not used my card at all that day. I wanted to be sure I would accrue no more charges, his reply was that I should be fine and to call back the next day. I called back the next day and was told no one was at the branch that could help me. Monday morning, 3 more $38.00 charges, Tuesday morning 5 more NSF charges, I now have no more transactions pending and everything is paid, current balance -307.00 of which $304 are all NSF fees.

I called customer service and asked them how it was possible I could accrue 8 NSF fees of $304 dollars and only be $3.00 short. No real answer, just that a manager would call me back. I received a call from a manager today and she left me a voice mail stating they would take off 3 of the NSF fees but that was all she could do since it was not a bank error. Not a bank error? I have called back and left her a message that I am expecting 3 more of the fees to be refunded.

I had the 3 charges not been charged to my account Monday, I would have only been $3.00 short on Tuesday. I had 5 transactions that were pending post to my account on Tuesday which they charged me 5 NSF fees. I was actually short $3.00 and due to their policy of paying the biggest debits first. I should have been short on the last 2 debits (which is altogether another complaint) of $8.64 and $1.64, which would result in 2 NSF fees not 5. Although after spending countless time on the phone with them for the last week, I feel I should be reimbursed for my time and aggravation.

At this point I thought that I was done with Compass Bank. In June 2011, I received a call from Compass Bank's Overdraft Protection/Line of Credit department, saying that I had a balance due of $352.94 on that loan. I advised the collector, that amount was in my savings account, and to please take it from there to pay the overdraft account. Approximately a week later, I received another call, and had the same conversation. A week later, it's the same. This time, I got a confirmation number that the transaction was completed. A week later, same thing happened. Finally, I called 1-800-compass, and spoke with someone who guaranteed that it was taken care of.

In September 2011, I received a call from the Overdraft Protection/Line of Credit department again, saying that I owed money, and now it was a much higher dollar amount. At this time, I looked at my account online, and saw that there were 35 $16.38 charges to my account, from a company that I have never heard of. Almost all of these charges were on the same day in February 2011. I researched the company, and found that there is history of them fraudulently charging people's accounts, and credit cards. I spoke with a representative from Compass Overdraft Protection/Line of Credit department, Jennifer, about the fraudulent charges, and they advised me that I had to contact 1-800-Compass to file a fraud claim.

They also advised me that there was a $521.94 charge to my checking account on December 24, 2010, that the Line of Credit account had paid. I researched this as well, and it was a charge that my husband had mistakenly made to the account, by paying a credit card that was linked to the account, and had not been changed to my new account. I acknowledged that error, and paid the $521.94 immediately on the phone with Jennifer. I then called 1-800-Compass, to file a fraud claim for the $16.38 charges. I was told that my account was now closed, and that I could not file a fraud claim. In December 2011, I began receiving calls again from Compass, stating that I now owed over $800.00. Nobody could help me over the phone, and they all advised me that I had to go to a branch, and talk to a branch manager. I did that, and was advised that she could not help me either, other than to request Client Services to contact me. They did, and they cannot help either. They are insisting that I owe in excess of $800.00.

The balance owed on this account is all fees, and interest on an amount that they had access to (via my savings account) from the beginning. They will not take a fraud claim for the fraudulent charges, as they say that it is past the time limit. Remember that I did not even know about these charges, until the account was already closed. Why was my balance in June 2011 the same amount that was in my savings account? Why didn't they have those fraudulent charges then? Nobody can answer that question, because nobody at Compass Bank seems to be able to access information from all 3 accounts. I agree that I owe interest on the $521.94 charge that was my mistake from December 2010, to September 2011, when I found out about it, but they cannot tell me what that interest's amount is. All they will say is that I owe the total amount, because the Line of Credit paid out for me.

I understand that this is a little complicated, however, the bank's attitude is that they are not willing to consider the entire situation. They are not willing to accept that, because they have departments that do not communicate with each other, and that they are at fault. They do not acknowledge that they have an obligation to prove any amount, that they claim is owed to them. Their attitude is simply "you owe us, pay us, or we will commence with collections efforts, and ruin your credit". This must be a violation of some banking principal. If not, at least it is an extremely arrogant disregard for customer service. I'm looking for someone that can help me.

And this is why I am leaving! Compass has always refunded other banks’ ATM fees. According to their website they still provide this service. See link: **. Of course it is a lie. I went into the bank to my favorite teller with a copy of my online checking printout to ask what these $2.00 are. She told me that they stopped free checking and did not tell anyone. I feel really bad for her. She is a really nice young lady and should not work for such a crummy company. I am waiting until I run out of checks and looking to see what the best banking options for my needs are.

Last Saturday, I made two transactions and there was enough money in my account to cover these transactions. On Sunday, I made an ATM withdrawal that was more than the balance of my account creating an insufficient amount. On Monday, they deducted the Sunday transaction which is the largest amount which created an insufficient balance and then deducted the other two smaller Saturday transactions and charged $38 for each transaction. When I called the customer service, I was told that they paid the largest amounts first because it might be a car or house payment and they care so much about their customers that they are doing it out of concern for them. I asked the lady if she really thought it was in the best interest of the customer to charge them three insufficient fees instead of one. Not only that but they sent me a letter telling me that they would pay amounts up to $650 that are insufficient so it is not as if I was being irresponsible and overdrawing my account. I told her I would love to see a statement showing how much the bank makes off of this business practice every year.

I am your average person and if it happens to me, I am sure it happens to thousands of others everyday. She kept telling me that she could see my point of view and she would have the complaints department call me not because she thought I should complain but because I asked who to complain to. You know that if they call me at all they are not going to refund my money. The bank is responsible for taking care of the customer’s money. They should be held to the highest business standards and not be allowed to take however much they want of your money by using sleazy and unethical business practices. This practice affects many Americans like me that live from paycheck-to-paycheck, who the banks take advantage of because they don't have enough money to have a voice.

For years monies up to thousands had sat in that account without me being paid an interest. I wrote the website's customer service, but yet to hear from them. So, this must be a company policy to reopen accounts in order to collect NSF fees. It would have been nice for the bank to remind me that automatic drafts might be done up to ten days post closing. I would never do any further CDs (certificates of deposits) or banking with Compass Bank.

Unknown to me, the Sate of CA was trying to collect on a state tax bill. As I was working with the State, they sent the bank a statement that they wished to place a future garnish from my account. I received no notice from the bank. No garnishment occurred and no money in any amount went to the state!

However, BBVA Compass immediately wrote themselves a check for $75 as a fee for this garnishment, even though none occurred, and took it out first on the same day they debited the smaller amounts. This caused each of them to all bounce and then they charged me an NSF for each of them, rather than clearing them before the $75 fee.

When I went to my local branch manager, he insisted, after looking at the screen, that the $75 went to the state when clearly it had a description saying it went to the bank. He promised to have someone at the bank headquarters in AL give me a call as he could not reverse any NSF fees. That is all I was seeking - a reversal of fees caused by them, not by me.

Lettisha **r called me from Alabama and she explained that nothing could be done and that I should clear up the NSFs as soon as possible! She claimed the state should have notified me and that would have prepared me for the debit. I called the state and spoke with the person I had been working with and was told that they only notified the bank. She also told me she would assure that no garnishment took place as we were working on this case.

Many weeks later, after many attempts to get the fees reduced, Lettisha finally said that she would see what she could do. I got a letter from her saying she had given back $114 in fees. By this time, more weeks passed and the $224 in fees had grown again because they had added overdrawn fees of $25 every month, and I was now close to $300 negative due to the way they debited the $75.

The irritating thing is they did not notify me beforehand. They took it out first on the same day while knowing they would earn fees and they added overdrawn fees on top of it each month while I was in contact with them about the fees.

I planned to make a formal complaint against them yesterday and went online to find where to do that. When I went to my online account today to pull off references, I now see that they have gone one step further and have now charged off the account and closed it. I assume their next step is reporting me to all three credit bureaus where I will immediately dispute it.

I have emailed Lettisha and notified her that I have made a complaint with the Federal reserve and now with this organization and that a formal complaint will be filed with the Alabama State Attorneys General and copies are sent to the executives at BBVA Compass.

Avoid BBVA.

Dennis

Just yesterday, I needed to withdraw some money from my account. And I lost my wallet. Under the circumstances, you would think they would help me out. They refused to let me withdraw my own money out of my account. So now, how am I supposed to pay my bills this weekend? I told the manager that they suck, and I am wasting my time banking with them, because they are refusing to cash my checks and let me withdraw my money. So why the hell am I even banking with them? Then, they keep going up on the monthly service fee, which is going into effect at the end of this month! Come on, who wants to pay $14 for monthly service fee when Compass Bank is sorry?! I told them yesterday I am closing my account, because they have done nothing but screw me!

I went into my branch and talked to Wendy. She couldn't even figure out the reason for the excessive overdraft charges, so she called corporate. Of course, he had a logical answer. They hold a bunch of transactions that don't show up as pending, so you think everything has gone through. Then they send them through all at once, highest amount first. If you have six transactions and three of them are overdrawn, they charge you overdraft charges for all six. I repeated it back because I could not believe what I had heard. When I told them they can't do that, Wendy rolled her eyes at me and told me that I just don't understand so let's get back to the issue (the other person was on speaker phone). I thought that was the issue. Nothing was resolved. They stand behind their scams.

As far as my direct deposit being held for two days past the deposit date, which is illegal, Wendy blamed that on my human resources department. I have asked around work and I have yet to find anyone whose bank holds their direct deposits. No one at my job has Compass besides me.

Needless to say, after they tacked hundreds of late charges and their supposed attempts to repossess the car, which we were never told about, they continued to tack on bogus charges to the total amount of $ 2,300.00 dollars. We finally paid the total loan off, and constantly asked for a clear title. Our request was always rejected. Finally, they sold our account to some other bunch of **. I will never pay them for anything I do not owe. Their leverage is not sending a clear title. They have tried to extort from us the money they claim we owe. The FBI, IRS, Senate Banking Committee and Arizona state banking officials have been notified, along with TV stations in both Arizona and Alabama about what's going on.

I advised her that Compass had the worse customer service I had ever dealt with. I had to call back and make my payment over the phone and turn my auto pay back on for next month. The customer service agent this time advised me when asked that you can defer a payment once every six months and just pay the interest. If you are looking for a loan look elsewhere the customer service is the worse.

I tried to put gas in my car, and my card declined. I had just received a payroll direct deposit on Friday, and distinctly remember seeing it in my account on that Friday morning. I immediately logged into my account, and to my surprise my deposit was no longer showing. My previous balance was frozen, and showed a zero posted balance even though there were funds available.

The two pending transaction on my account were showing negative even though I had more than $1500.00 available.

Being that this was a Saturday morning, there wasn't anyone available who could help me, or give me answers, or even a simple explanation. The only note on my account per customer service was from the corporate security that said, "Frozen for Review."

I hadn't had any problems prior to this, and could not come up with any reason as to why it would happen. Customer service said that they would contact me on Monday to help me resolve the issue. I was given a woman's number in corporate security and it is 205-297-1535. I could not understand her name on her voicemail, but left two messages for her to call me back prior to Monday.

Monday morning about 10 Am, after waiting patiently with no response from either, I decided to take off work, and visit the local branch to get some answers. After making several phone calls, the gentleman/banker was able to get a hold of someone in the corporate security office to explain the Freeze.

Evidentially, my address change "which by the way was still in the same city", Red flagged my account. They froze my savings and checking account, and cancelled my bank cards without even trying to contact me. He was not told that he just needed to verify my address, and email the lady who hadn't returned my calls, nor did she answer or return his call during the time I was at the branch office.

This gentleman apologized to me for the sudden inconvenience, and said that he did not understand why this happened simply because of a change of address. Nor did he understand why I was not contacted prior. He also stated that my account was unfroze at that time, but my funds were not going to be available until the account processed at midnight; even though prior to the freeze, I had funds available.

My direct deposit that I was supposed to receive 4 days earlier would post back at that time as well.

My concern and problem here is with Compass Banks procedures for handling this matter. I was told that a note to freeze the account had been placed in the system on Wednesday. The bank had ample amount of time to contact me, notify me, or ask me to come in for any reason. I use this account for my primary source of funds, and I do not carry cash. This weekend, when I went to put gas in my car which was already close to empty, I planned on making a trip to the grocery store as plenty of people typically do on the weekend, I had bills that needed to be paid / drafted out of my account. . When you expect your money to be available, and all of a sudden it’s not it can create a rough situation for any consumer; especially for a single hard working mother of two.

Not only did I have to borrow money to get through the weekend, but I had to take off work on Monday to try and sort this out. Finally, Tuesday my account shows to be back to normal. No apologies or explanations from the corporate office, still no returned call from the lady who froze the account with a better explanation, nor any compensation for any trouble, and expense I incurred due to this.

My advice if you use Compass, is to get an alternate account at another bank, and don't change your address. I have a vacation planned, and will not be leaving that Friday with my money sitting in Compass bank. I will definitely have cash on hand, and placed funds in another bank account. Hopefully, this will prevent me from being out of town with no financial source available for the entire weekend ever again.

Beware of Compass procedures.

My husband and I both use the account and I assumed he was using the card to charge everyday items. I do not ever remember seeing the words "SERVICE CHARGE" on my statement. I was also told that ALL checking accounts had been converted until I let 'Joe' know that I have two checking accounts with them and the other one had not been touched. He, of course, back tracked to advise some had been left alone for now. I NEVER received any disclosures stating that I would be charged a monthly fee. I work at a competing bank and could have all free checking. But since I had been with Compass for eight years, I was trying to be a loyal customer. I will fight this until they refund EVERY fee the charged and I will be closing ALL of my accounts with them ASAP.

However, I do not think I should have to pay any of these fees and I feel that my bank of almost 10 years because I had two other accounts that was opened back in 2001-2002 that was closed due to fraud on my account by a Compass employee. And now I feel that a fraud on my account is occurring again and that Compass Bank is taking advantage of me as well as my business.

I would like for someone to call me and remove these charges from my account that I did not approve of. It's been times that I've made and error and was charged a lot of money by Compass Bank for NSF and I've accepted those charges without any question. Now this was not my error and I feel that Compass Bank should make things right and not prey on small businesses and individuals trying to get established by sneaking charges in on them.

Apparently, BBVA ran my information through EWA (a company that is gradually replacing Checksystems), and discovered that six years ago, my name was placed in this database. Therefore, I was a fraud risk to BBVA, so they froze not only the new savings account, but also my existing checking account (of over two years), and they were in the process of closing both. How inconvenient for me that my payroll check (of over $4500) had just been electronically deposited that very day! This was a Friday afternoon and thank goodness I had decided to do some banking on my lunch hour or I would have been totally screwed all weekend. They completely cut off my access to my money!

I went through a huge hassle of trying to withdraw my paycheck while the teller and supervisor called several fraud departments right there at the counter! I should mention that the line was long - there were only two other tellers open and the customers in line (angry and impatient at this point) could hear every word of what was going on. I was extremely embarrassed and finally, I asked to see the branch manager and demanded to be allowed to sit in his office where I could have some privacy and try to maintain at least a shred of dignity. Finally they agreed to allow me to withdraw my pay, but the remaining $500 or so is being held for 3 weeks, so that they can earn interest on it before sending it back to me by mail. Please do not become a victim of this ** bank.

Second time around, this month. Kamika, an Asst. Manager, blamed the new tellers for 'not knowing better' but they should have been trained to at least be able to look up on my account to see if I was in overdraft. They tried to, but couldn't even do that. So instead, I paid over $200 in fees. This is just illegal and wrong. I've paid years and years of fees to this branch and I am seeking a new bank. Oh, and the salt on the wound came when Kamika called and used terms like "advanced", "loaned" and "paid" as subs for the actual word she didn't want me to catch which was "fees".

Overdraft fees were also charged when I had money in my account, but they hadn't or refused to respond to my question honestly (i.e., Am I in overdraft?). How can they charge fees for overdraft after lying to me and saying I wasn't even in overdraft? They did, repeatedly. They smile as they lie. Very nicely as if that's supposed to make it okay. I am disgusted by the blatant lying and blaming of their "new tellers who didn't know better". I was told, "We have a lot of new girls" by Kamika, as justification for these new tellers lying to my face saying I wasn't in overdraft. I checked in person twice since it happened in October and was lied to at both times. Now, I had to pay interest on the overdraft protection that they had told me had not gone into effect and paid more fees! Lies. Sue this bank for their illegal actions.

I had applied for the line of credit on all three accounts, which I was told would be no problem since my credit score is over 800. However, they applied the line of credit to two of the three accounts, neither of which was my primary checking account. I returned to the bank, filled out the paper work a second time and waited. Nothing. I emailed the customer service center through my online banking, asked what had happened and got a standardized, computer generated response that did not answer my question.

I went back to the bank (this time to a different branch) and inquired about the third line of credit. The teller told me that she had never seen a line of credit on more than two accounts; when I explained that another branch had told me it was fine and asked why she thought they wouldn't do it, she said my credit score wasn't high enough and that the representatives at the other branch had been mistaken. I understand that honest mistakes and miscommunications happen and expect them to be an occasional issue, which is what I reasoned this was.

I didn't want to complain or quibble. I just wanted the line of credit on the account I use most frequently, my primary checking, and asked if there was a way to take it off of one account and put it on the primary checking account. I was directed to another representative who had me fill out more paperwork. She assured me that she could make the switch and said she would email me when the switch went through or if she ran into any problems.

Unfortunately, nothing happened. No switch, no email and when I returned to the bank to inquire about it a fourth time, no explanation. At this point, I began to wonder why it was so hard for the employees of Compass Bank to follow through on what they say they will do, obtain consistent information between branches and explain the limitations of their products. For the time being I let the overdraft line of credit issue go; I was busy and it wasn't urgent. In December, I received a letter from Compass saying that payment toward the line of credit on the joint account was due immediately and would go into collections if I didn't pay it. This struck me as odd, since there was a positive balance in the account and I had made deposits since the charge occurred.

After some digging, I realized that you must tell the teller to pay the line of credit when you make a deposit and that the deposit isn't automatically applied to the balance. I realized this after talking to friends about their accounts; no one at Compass had bothered to explain this to me (or my partner as neither of us could remember being told about this), no teller had asked if I wanted to apply my deposit to my balance and none of the literature the representative had given me mentioned this crucial detail. I am a reasonably intelligent person, but I am not error proof.

I checked the pamphlets and brochures thinking maybe it had been mentioned somewhere and I just overlooked it. At this point, I decided to close my accounts with Compass and go to another bank. Although the employees have been consistently pleasant, the lack of follow through, lack of consistent information and lack of explanation about their products led me to conclude that they have terrible customer service. It seemed like they just don't have it together.

In late December, I paid the balance on my line of credit, closed my accounts and gave my new account information to all the parties who debit automatically out of my accounts. I enjoyed a nice holiday out of town with my in-laws and returned to find that Compass had paid an electronic check and a pending transaction that had been held for nine days on a closed account. Because the balance on this account was $0.00 when they allowed the transactions to go through, I got slapped with two $38 insufficient funds charges on a closed account.

When I called to ask why they had paid two charges on a closed account, I was told that the account remains open for 30 days after it has been closed in the event charges needed to go through on the account. When I pointed out that the point of closing an account is to make it inactive, I was told that it was their policy to keep the account open for an additional 30 days so that transactions can be processed.

I was not told of this when I "closed" my account nor was I told of any pending charges when I asked at the time I closed the accounts. When I contacted my insurance company and the vendor with the pending transaction, neither of them had ever heard of a bank allowing charges to go through on a closed account; both stated that in all other instances such as this, they receive notification that the account has been closed and that the transaction cannot be processed. I do not mean this rhetorically and I know the answer is not here but I ask why did Compass Bank choose to honor two debits on an account with a $0.00 balance that had been closed?

Also on a couple of occasions I have not had enough money in my checking account to cover items over the weekend, so Monday I go in to find out I have been charged for a overdraft!!! They charge me overdraft fees when I have almost $500 in my savings account. I asked why they didn't pull money from my savings and put in my checking to cover it and they told me that I had to tell them to do it??? Who wouldn't want them to do it! Me and my wife are very disappointed and will be leaving Compass FOREVER!

I spoke to his supervisor, who tried to get me to sign up for an automated payment so they can take money out of my checking account (at a different bank) whenever they feel like it. He also refused to remove the late fee.He said sometimes people make double payments, and he shouldn't have to guess what billing period to apply them to. I agreed, and said that's why I'm calling you, to tell you to apply my payment to the upcoming month and waive the late fee. I restated my position and asked to speak to his supervisor, who had gone home, so I have to call back on Monday.

I cut up this card over a year ago in frustration. I also closed my Compass checking account, and transferred everything to another bank. I pay my credit card bill online on the last day of the month, every month. I always pay more than the minimum amount. I should never have a late fee. If there's ever a class action lawsuit or anything against Compass Bank, count me in!

As you can imagine I was frantic. It was over $800. and I am the sole provider. I called, but they said I waited too long to report it. I then went down to the bank and explained it, and they took it all down, had me open a new account, and gave me every indication they would give it back. Now here is the rub, a month ago, I got a check that I was suspicious about, because it was a refund for a book company. I took it to Compass and asked them to hold it until it went through, in case it was a scam. They called me and said the check was no good. I came to find out it was a check from the bogus company that cashed a check through my account, and it was a refund for it. The bank destroyed the check. I get a certified letter they can't help me because I took to long to report it. Really? I can return socks at Wal-Mart for up to 6 months after purchase, for goodness's sakes. I am so ** off, I want to just pull out my hair. I'll tell everyone now, what happened. I will lose my home, since I can in no way recoup my losses.

I asked that they send me the "decline" letter. But instead, I received a "new" card in the mail three days later with a credit limit of $13,000. The new card has the same account number but a different 3 digit security code. July's statement shows they are still accepting charges from both of these businesses, even though each business account was set up with a different security coded card. The bank has now told me the credit limit on the inactivated card has been reduced to $200.00. And they still send me notices of payment due for the accepted charges.

We were ordered three times and rejected with no one calling us to let us know; all three times representative assured us that they had been mailed to us; they didn't even know that the order was not completed. The location we use primarily, River Center Mall, has been lacking leadership and it shows in every possible way. They frequently run out of change, cannot keep employees, and do not supply change request sheets. Additionally, I was given a large, old, beat up Guaranty Bank deposit bag with a large zipper on it when I asked for a deposit bag and was told that was all they had for the time being. When I explained a week later that it didn't fit in my safe and asked for just a plain one with compass on it instead, I was told by the unfriendly assistant manager named Hercilia that I would need to buy one for $10 and that they would not take the old one I was given a week before back.

I have tried to get through to the regional manager via the myriad of menu prompts and the manager's name (Gus **) does not appear in the directory. So I have not been able to voice my concerns before now.

Tonight takes the cake and has prompted me to take the time to complain on the web. I just received a survey call on my cell phone for a branch that we have used one time since opening our account. I explained that my husband had used that branch only one time and that I was better able to speak on the service provided at the River Center Mall branch. The caller asked me if he could have my husband's number and I told him that my husband definitely would not be interested in taking a survey call on that branch but that we would like to voice concerns for the RCM location instead. The representative said that the call was only for DeZavala and hung up on me.

I hate that I have to deal with this bank and the only reason that I do is that I can get change every day (when it's available) without leaving the mall, which is where my business is located. I understand why so many business owners in the River Center Mall warned us against banking with Compass when we bought our business. I wish I had heeded the warning or that I had time to drive to Wells Fargo down the street. Their customer service is lacking in every way it can.

Let's unite and bring them down together! I have fees in amount of $228 because of the check being held for a week! They usually process smaller checks within a day. Plus, all the fees I paid in the past due to malicious processing of my debits.

On the 24th, my mailbox was full of return check notices. They reversed all the "unreversble" pending items I saw on the 21st, bounced them and put through 2 larger items on the 22nd. This started the spiral. I have paid out over $500 in fees to Compass for this debacle. I went to close my accounts transferring what little I had left in my savings and the savings accounts for my minor children two paychecks later leaving a -$495 balance in my checking. I was told that my account would automatically close in 2 weeks and it would be sent to collections at that point.

Yesterday, I received another notice and am up to $750 in the whole with them. They keep processing bill payments I had cancelled and didn't think would go through since the branch told me that the account would be frozen in May. I cannot log in to stop them from sending and they just keep bouncing checks and racking up fees.

When I signed up for the checking account I was assured that I would not be charged any service fees. I moved away to California with the service and have not used that account in years even though I had over $100 in the account. When I checked the balance a while later, I learned that Compass Bank was taking out $5 a month since I have not been using the account.

They will not close the account over the phone either. I was never contacted about them taking my money due to inactivity on my account and it was never a part of my original contract.

I have lost $100 and I have to drive an hour here in California to close my bank account.

So, I go into my Compass Branch and endorse the back of 4 checks, signing my name, and including my account number below my signature. I decide to deposit one of the checks into my account, but to cash the other 3 checks. The amount of funds in my account are greater than the amount of the 3 cashiers checks I am cashing (which shouldn't matter, because cashier's checks and money orders are as good as cash). The teller deposits my one check without a question. Then, she tells me that the Signature Verification software won't work for the other 3 checks. I ask her "what signature are you verifying? " And she says "Yours. "

What? I didn't sign those checks as a payor? My clients paid Wells Fargo and Amegy, and those 2 banks are the payors. I am just signing as a payee by endorsing the back of my check. I gave her my Drivers License and I signed it in front of her. I am an account holder there. I opened my account at that branch even (but the turnover there is so high, I never recognize any faces anymore). So, why do they need to verify my signature when I am standing right there? With a picture ID (Driver License).

She tells me, "You could go to Amergy and Wells Fargo and have them cash it for you." My response was, "They will charge me for each one, since I am not an account holder with either bank. That is why I came here, where I am an account holder! To avoid paying those fees! I could have just told my clients to come to my office and pay me cash! " She grunts and then says, "Oh, the Signature Verification software works now. "

(Which is odd, since it worked fine when she deposited my first check, but suddenly doesn't work when I want to cash out the other checks?). So, she pulls up a screen and says, without emotion, "Oh, your signature doesn't match. Its not you. " And then she just looks at me like I should just leave. I don't really take that very well. I say, "What are you talking about? You are claiming I am not **? And you are claiming that the signature I just signed in front of you is not mine? " She says, "Yes. See, the screen shows the account holders signature, and its different. The letters are more fluid and bigger. "

I say "Of course they are bigger - your screen is blowing them 3x larger than the actual size! And are you a handwriting analyst? How do you know they are different. They look the same to me! " I even point to my drivers license and show how the signatures match.

She just gives me a blank stare and says, "We can't go by DLs, we have to use the Sig-Ver software" - which is not even a real handwriting analysis software. It is merely a PDF cache of all my prior signatures, and the teller merely eyeballs the one in front of her vs. that one. It is obvious that she is looking for an excuse not to cash these checks. I endorsed all 4 checks in front of her. She accepted the one for deposit without question. But the ones for cashing, she claims she can't use the software, and then when she can, she claims its not the same signature, even though it clearly is.

By this time the branch manager has come out and basically tells me that I can't cash the checks. I asked if they can look at the other 100 signatures of mine on file. I tell her that I sign a little different each time, whether its the 20th affidavit I am signing in a row, or a birthday greeting card to my son (the first is hasty, the latter is always neater!).

She then reluctantly starts to check other signatures on file! I even start signing my signature to blank paper I see (backs of deposit slips) just to prove how the same signature looks depending on how fast or neat I sign it. They give me real grief over this. They tell me that another reason they don't want to cash the cashiers' check is because there might be a stop payment on it. I say, "Is there? " And the teller says, "No, not yet. " I say to the manager (who is now standing right next to me) "Then it doesn't matter. Unless there actually is one, why mention it? You will deny my cashing this check on the basis of a Hypothetical stop payment?

What happens if there is one, after I walk out of here, are you going to chase me down and take the money back? " She responds, "Yes, and we'll call the cops too if we have to. Which is what is going to happen if you don't leave right now. " I said, "Look, my driver license and my social security card are right here. You see my picture matches me. I am account holder here. Why would I deposit one check but cash the others if I was not the person on the account? You have my thumbprint on file. Can I give you a thumbprint now? " She says, "Enough sarcasm, we are calling the cops. "

I finally get my cash, but only after the threats to call the police. I make the comment, "I bet that you guys are being reluctant to cash my checks because you don't have enough cash on hand to cover it, huh? I bet this fractional reserve banking results in a policy of denying cash outs every chance you can. Because you have given me three ridiculous excuses to not cash the checks (1) software not working (2) software working but my signature is not my signature, (3) there might be a stop payment, in the future, after you cash it, but you have no way of knowing that might happen. Wow. All to stop from cashing my checks.

At that point, the manager gets very heated, very angry and tells me that I am to never come to the branch again, on risk of being arrested! And she practically screams it. Which makes me wonder -- was I right? Did I hit a nerve? Maybe the problems that BBVA is having and the Spanish government is resulting in their branches holding less cash on hand, which means when someone wants to cash out close to $3000 (but has well over 5x that amount in the account already), they must get nervous.

I don't know, but I am closing my compass account and opening up an account with a local Credit Union. I refuse to be humiliated by a teller who can look me in the face and say that my signature that I just wrote in front of her is really not my signature. I doubt they are hiring tellers on the basis of their ability to do handwriting analysis. And if they are that concerned with account holders looking like the real deal, but not signing it exactly the right way, there is analysis software that can figure it out independent of the teller's subjectivity. And there is biometric software they could use as well. My iris scan and my thumbprints would have eliminated this stupid fiasco altogether. But to allow their teller to be able to make snap judgments about handwriting and to deny service to 4-year customers over such subjective and untrained conclusions is ridiculous. What is next? A teller looking at a Driver License and saying "Nope, not you in the picture! "

Well, since some of us age and gain weight or lose weight and only get DL pictures once every 7 years, its only natural we change. But a facial recognition software would see that you are the same person, despite the changes. A minimum wage teller, with a chip on her shoulder, can claim that you are someone different, and apparently, her word can be final.

Give a little bit of power to a very bitter person, and they will use it to harm as many as they can. Compass needs to change this policy very quickly. Account holders in person should not have to need a teller to interpret a signature when the account holder has just proven by ID and password who they are. IF Compass expects their tellers to perform this level of security analysis, then they at least better start hiring handwriting experts who know what the heck they are doing! I was told to leave and never return to that branch.

I complained to the Corporate office about this, but have not heard back. I will be closing my account. Oh, and I will tell my doctor clients, whose signatures are horrible, that they better stop using Compass as well. Tellers apparently have the ability to deny service based on exactitude of signatures, regardless of photo id, etc.

My complaint today is they have charged me 3 NSF charges for three items that came in over the weekend. The money was there to cover two of the three. The online banking showed I was -12 on these pending items, so first thing Monday morning, I went to the bank and put cash in the bank because I was told by the banker that cash post immediately. The money never showed that day on the online banking, it still showed what I saw on the weekend. Tuesday, the online showed 1 NSF charge. I called the 1800# and the lady apologized and reversed the charge. She said I can see what happened. Wednesday, I went online banking and it was totally a mess. They showed they took an NSF charge from my balance first before paying any of the 3 debits I had, so that caused all three of them to be NSF. Then they added 3 NSF fees, which has put me in the red by over a 100 dollars.

This bank is taking advantage of the consumers by luring them in with their Free Checking account advertising, but charging NSF fees that should not be charged. I'm a bookkeeper with over 10 years experience and this is not an accounting method, this is a ripoff and consumers have to pay these large fees especially those that don't know them - meaning the new customers. I have called and gone in twice in the last three days and was promised a phone call from the manager. My next step is to report them to the Department of Banking. I was told by the banker that their online banking is a day behind on transactions. What good is online banking if it's a day behind with cash transactions? He lied to me because I've put company checks in the bank and went online an hour later and it was posted.

I was refused the ability to speak to anyone in authority. I have called their corporate office, but you can only leave voicemails. I've filed complaints with the Federal Reserve and Colorado State Attorney General's Office. This crooked bank must be held accountable. They are not even a US banking institution. They are a foreign bank.

"I should not receive an NSF charge for items where the money is in my account. Even if there was a pending item for $1 million that ties up my available balance, yet does not post, then I would have that money in my account. You understand? It would be as if I had a disputed item that did not post, the money would not have left my account, therefore the money would be in my account. I do not know how many different ways to articulate this.

"My fiance is a CPA. This reeks of class action lawsuit if this is happening and not being remedied. And I should not have to wait for an escalated reviewed phone call regarding this manner when I call. Half the time, no one even calls back anyway! If you look at my account, the handling of my disputed ATM amounts return happened quicker than your return of my overdraft fees, which where not a courtesy but a policy. But that is a different matter altogether."

I have three NSF fees where I should have none. I take responsibility for my actions and would pay if it was due but this is astounding. I am going to research for a better bank and fight them about this.

They have also stated they would look into situations, yet they do not call back when promised. They are a pathetic excuse for a bank. And we will be moving all of our accounts as soon as possible. The customer service representatives are rude and I have spent over 40 hours and way too much money trying to undue their damage.

Another problem is how they use the posted and pending amounts for their profit when it is to their advantage. I am very responsible with my bank accounts and check them daily online. I think we need a class action lawsuit for Compass to get the message, to stop stealing our money. Their answer is always "that's our policy." I have a very limited income and need all of my money. Because of their "policy," I have had to pay many NSF fees, had the stress of dealing with the branch tellers, managers and the 800 #. On one occasion, they refunded half of the fees as a "courtesy." I am disabled so it is hard for me to deal with all this stress.

Understanding these things happens, we asked the branch what to do and were told when the county validated it was their fault we'd be reimbursed the $200 in fees they took. Well, when we got the reimbursement and apology letter from the county, they said that we needed to proceed with an investigation (really this is insulting). We had an affidavit to complete and send, and it would take 7-10 days.

After nine days and hearing nothing (faxed affidavit from the branch with the assistant manager), I called and got the lecture that I don't know the process and apparently neither does any one person in this God forsaken company.

I lost my cool completely today and wound up screaming in the phone that we had sent it to them from their branch and they refused to contact the bank. I went to the branch, spoke to the manager and will take the 76 loss (we were told he couldn't do anything but today, he can write off 4 of 6 charges). They say they will do one thing and do another and have no problem taking our money and will take (now up to 45 days, the process has changed four times in two weeks) to reimburse you of the monies they took in seconds.

When they assured me that if it was indeed proven not my fault and that they would reimburse me, I didn't realize it would be my dime, my time and sanity for them to earn interest while investigating my history with them. The implications are obvious and I'm more than insulted and put out. They have the same view of my account as I do. While I'd rather have my money back, I want all of it out of there as fast as possible.

Anyways, I called her a "fat **" yesterday and today we discover she's closed both our Premier personal and business accounts! Cards shut down, who cares if we'd had an emergency or a bill to pay, nothing worked. And this after being with Compass for over 5 years! The only witnesses to the incident were other bank employees, who were trying not to laugh at her, but I doubt they are going to lose their jobs trying to defend me.

We now have no bank accounts! When I get paid through PayPal, which is for my main job, I now cannot transfer my money to pay my bills. Also, my other job is paid to our business and now we cannot cash those checks made out to the business either! To make matters worse, nobody at Compass claims they can help me, because they are junior to this Shelby **r! What do I do now?

My ex husband went and opened an account with Chase and when I asked him to lend me money, he gave me a check for $333.00 which is still outstanding because Chase decided after they opened the account for him they would close it because they ran check systems after giving him an account and he used the account in good faith.

He just found out Tuesday, January 5, 2010 that they decided to close his account and they refused any of his deposits. He informed me that Chase would not honor the check. I immediately called my bank to find out what would happen. They said they would remove the credit and charge me a $6 fee. January 6, 2010 Compass bank, my bank closed my account and accused us of trying to fraud them and now is holding all my funds without word to me when it will be released. I have no money, I live check to check, my rent is past due, my car payment is due, I have no gas for work and no food in the home and they are treating my life like their job. I need help now to get my money away from this bank to pay my bills. I filed a complaint with the banking commission but they will take too long. Please help me.

I asked her if she lost a family member, would her check register be on her top priority list. She shot me a cold-hearted glare and told me to call customer service. I made a deposit of $3200 that day, fully covering the NSF charges and then some. I called customer service the next day (once my deposit cleared) and they said someone would get back to me today, Dec. 24th. No one called. I have no money for my mortgage payment or Christmas for my children. I feel that I have been patronized and lied to. My account did not become overdrawn because I was not responsible. I was ignored from the start. They knew they would profit from my circumstances. This so unethical.

They are robbing us. Can you guys really not see what is happening is wrong? I hate all banks. Yet the government gives them all the money. They have ruined me financially. I don't know who to turn to. I just want to take care of them myself if I could get out of this bed and grab something. They would all pay. You cannot let these practices continue. Stop them please. Help me please. God help us!

You have left us all alone out here to deal with the wolves, you. Yes, you. Your agency was licensed to do banking in our state. This corruption and manipulation is not isolated, it is throughout the whole Compass banking system. Please, please stop them. They have already stolen over $1,348.00 from me this year alone. My friend Teresa **, her husband got killed in Iraq. They stole all her money the government gives her every month. Help us stop the thievery. Don't make this get into a bad issue with the great people of our state. We are fed up. You know it, you see it! Stop it now!

Initially, it caused my account to go negative by $130 after three more days, it ballooned to -$553.09 because of two checks and one debit card transaction. So all in all, I had four fees. The following week a direct deposit of $499 went in. Which left a balance of -$54.09. Fast forward to the following week-wham! - a charge of $42 OD fee and then $28 for four days of overdraft fees. Now I understand the agreement but if you look at the timeline, the first overdraft was taken out and then the additional overdrafts only lingered for three days but, of course, they explained that since it never went positive they just connect it all together to create these horrendous fees

The following week I found out about their other trick. Say you go to a gas station a couple of times and they pre-authorize $75 per transaction, Compass immediately will hold that money (standard practice) but you know you only spent $23 and $24, respectively. You go to an ATM and take $20 and then you have an ACH transaction of $25 and two debit card transactions. Well, their supercomputer automatically hits your account the next morning for NSF fees based on the holds and the presentation of the items. Now you have 3 x $38 charges on your account which reduces it even further and god help you if there is a check outstanding.

How can a bank charge fees prior to presented items? Have they never heard of pre-authorizations? Every bank I have ever banked at; Bank of America, Citibank, Chemical (now Chase), Wells Fargo seem to understand that, but not Compass. Even though it is in their agreement, there is just something unethical about their practices. As far as I am concerned my business with them is finished. These guys make payday loan companies look like angels. Compass is the worst bank I have ever dealt with and let's not start talking about applying deposits last, that is another loaded topic.

Mr. ** has put me out of business at this point, a 13-year-old small business is facing bankruptcy and eviction. He took every last penny I had. I can't pay rent, utilities, phone, food, gas nor can I purchase the equipment I need to work and for what? He collected $1,105.99 for his bank and put me on the street. And he did this after I explained my situation and assured him I would begin making payments again in less than 7 days.

To make a long story short on this issue, I always received a $38 credit but each time, I had to stay on the phone from 15 minutes to 1 hour and 10-minutes to get that credit. Now for the real rub! Because of the bad economy, I was laid off from my job last July and because I could not find another one, my wife and I started our own safety and health consulting business in October of 2008. Since we wanted to do everything correctly, we registered the business with the Arizona Secretary of State and we took out a business checking account with Compass Bank. This gave us both a business and personal checking account and a personal savings account with Compass. Everything went fine until Friday, 4/3/2009, when I looked at my account and I found that someone had gotten a hold of my wife’s ATM number and taken $90 from our personal checking account. I immediately called Compass, but they told me that there was nothing they could do until Tuesday, when the $90 was posted. I went to not one, but three Compass branches who told me the same thing but at least I got my wife’s ATM card cancelled.

Now, because I had transferred money from our business account to our personal account on Thursday (because my wife had done some consulting), no checks bounced. Imagine my surprise when I look at my account online on Monday, 4/6/2009, and saw four $38 NDF fees! Was this due to the $90 taken from our bank account? No! Compass Bank's PC Banking Department says that the transfer I did between our business account and personal account was done at 9pm on Saturday, 4/4/2009. I have the printout of the transfer receipt and it clearly shows 4/2/2009 at 2:05pm. But Compass Bank (Solomon) told me it doesn't matter because they go by what PC Banking says. I called Compass Bank's 800 number and talked to a supervisor (Tim) who hung up on me. Now, I am an old guy, a Marine who served in Vietnam and I take a lot of pride in the fact that I don't swear or become belligerent when I become angry but he still hung up on me. Why? Because I would not let him end the conversation until I talked to his manager, which he said he couldn't do.

I am going to cancel all my accounts with Compass Bank, which Solomon told me was my prerogative and then I am going to send a complaint to both the banking Commission and the Fair Trades Commission which I urge everyone who has had a bad experience with Compass Bank to do. I know that it may not do any good by my wife and my complaint but if enough of us complain, these government agencies may take notice. Let’s be honest. Compass Bank has some high priced attorneys so I am sure that they are not doing anything directly illegal, but I would bet anything that they are walking a thin line between legal and illegal. I am also going to take Compass bank to small claims court to try and recover my losses. I don't know how the laws are in all states but in Arizona, attorneys are not allowed in small claims Court, so I will name Solomon as the Compass Bank representative, having the papers served on him.

I figure that this whole thing will cost me about $400, because I will actually have a $60 check bounce, one I made out on 4/2/2009. But even if I lose, at least I may get some press on this and there is no one as free as one who has nothing to lose. Compass Bank has to be stopped! After the court hearing, I will report back to this site with the outcome.