BBVA USA Bank Reviews

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.

Spoke with XM who told me (two representatives) that when they failed to get funds from the old account on the expiration day. They called the credit card company and the charge was allowed to post. Representatives at Compass Bank say that this is impossible... yet it occurred. XM Radio was able to get my new debit card number and thus, charge the subscription rate even though my contract with them specified a totally different payment source.

Another XM Radio Representative said for long standing customers, we have an agreement with the credit card companies to obtain the information so that your service will not be interrupted (???). That agreement is totally illegal and violates my privacy. Compass Bank and XM Radio are both at fault here. XM for pursuing a dead account and Compass for divulging my personal information. I have no faith that my privacy can be protected by these institutions who presumably have my best interest at heart. Perhaps Compass should be one of those banks who fail.

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

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

Two unnecessary, excessive and unfair overdraft charges totally $76.00.

When I would call them about the account I would get hung up on sometimes and when I wasn't, the person didn't ever seem to know what kind of loan it was, which might explain why they couldn't understand why I would want to know how much interest I paid the year before. One person there referred to it as my auto loan. Another thought it was some other kind of loan.

Last year my husband and others got a back-pay award from a 10-year-old grievance and we decided to pay off the Compass line of credit. We moved out of state and had gotten a new checking account since there was no local Compass branch but I kept enough money in there for the automatic debit. When we decided to pay it off I called Compass and after getting a payoff balance (after being hung up on only once) I wrote the check and express mailed it. I didn't notice at the time that no release was issued.

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

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

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

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

Paying additional interest each month.

Compass Bank has charged 7 NSF fees of $38 each for the 5 transactions that should have been covered by my available balance, two more for the two ATM withdrawals, and has posted 1 Overdraft fee of $38 and date, 4 Overdraft fees of $7 each for a total to date of $332' and they are posting a $7 fee each day. I have withdrawn my Direct Deposit with Compass Bank and have written 3 certified letters to Mr. Manatt and his immediate boss in Phoenix, AZ, as well as the head of the Customer Care Division in Phoenix.

I have not received any response, either by phone, e-mail or mail. I will not pay these outrageous fees as there is no mention in the Fees Agreement or any other Agreement provided to me when I opened my account with Compass that makes any statement about when direct deposits are made.

I knew that my check would be deposited and at exactly what time and still I was charged an additional 6 fees which total close to $230.00. I've been charged 10-12 38.00 fees at one time before though and still these people keep at it. How are people tp pay their bills when Compass bank puts your checks through according to how large they are oppose to in the order they come in, or waiting days or even hours before they clear direct deposits making sure that they are able to charge fees. I am not going for it this letter will be forwarded to as many senators, Fl Gov, and Leg that I can possibly think of this has to STOP!

totaling $90.78.