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15 20th St. S Ste 1501
Birmingham, Alabama
United States - 35233-2000
Mon7:00 AM - 10:00 PM
Tue7:00 AM - 10:00 PM
Wed7:00 AM - 10:00 PM
Thu7:00 AM - 10:00 PM
Fri7:00 AM - 10:00 PM
Sat8:00 AM - 4:00 PM
SunClosed

Complaints & Reviews

nsf

I have been a compass bank customer for 3 years on my personal account and 1 year on business account. On Thursday 12/29/2011 I had a balance of -120.83 in my pending transactions. I called on 12/30/11 and I was told that if my transactions were on my pending transactions I had 24 hours to deposit. I got my direct deposit of 827.42 on 12/30/11 that covered what was pending on my account. I went to the branch in the morning of 12/30/11 and was told my balance was positive. I made a withdrawal of 260.00 at a non bank atm. then I made a 460.00 withdrawal and used my atm to make a transaction of 2.17 and another of 6.00. I left a balance of 14.00 in my account. On 12/31/11 I checked my info online and it was -215.46. I went the bank to speak to dispute the nsf. I was told it will be referred to my branch where I opened my account. I speak with my banker on 01/03/2012 and she will not help me. I just checked my account and another 4 nsf posted after I have not used my card since friday morning and its even deactivated. I have a total of 10 nsf of 38.00 each. I called customer care and the bank with Maribel and Esthela and am not able to resolve anything. everyone blames each other. This nsf are invalid and outrageaous and the bank refuses to help the customers. I do not deserve this treatement after being their customer for so long.

  • Li
    littlekat162 Jun 30, 2009

    I have direct deposit. When my funds go into the bank they withhold my funds for two days and run all my debits through and then run my deposit and direct deposits through. I have two accounts with this bank. I can transfer funds direct from one accout to the other and they still withhold my funds. On transfers the money is put immediately into my account but they turn around and take it back out. This causes my transactions to go into overdraft. I got a nsf charge through the mail and showing that I had 600 dollars in my account and bounced a 5 transaction. I have recently changed banks to were all the credits go through first then the debits go through. Compass bank runs all the debits through and then the credits so they can try and get nsf charges at 38 dollars a transaction. Friday I spoke with a banker on the phone and they even lied to me over the phone after I make an 800 dollar deposit. I don't recomend this bank to no one. I have had a lot of friends and family tell me how sorry this bank does business with there customers so they can make money off of them.

    0 Votes
  • Kj
    K.J. Sep 03, 2009

    I looked at my account yesterday, I had enough money in my account, I subtracted my pending transactions and everything looked great, so I went to get gas for my car, when I got to work I checked my account again and again everything looked great. (I work for a bank one of the big ones) the next day I checked my account and there was 2 NSF fees on 2 transactions one for $2.00, one for $66.72, now remind you I work for a bank, I was a little upset because my deposit went in that same day, have you noticed that they put you in the hole before they take any money out?? Well they do, they charged me $38.00 for the $2.00 that of which could of been taken out of the amount with out any recall, then the other for $66.72 so here I look at my bill they took out the overdraft b-4 the transactions, well to make things worse they charged me $38.00NSF for my deposit and another $38.00 for my $11.00 purchase. Now I am pissed I cant even make my house payment without going into OD, I was mad my poor wife took the blunt of it, she was crying, Now I called 1-800-compass I talked to customer service about this little problem they hung up on me, (yes I was upset but in control) so I recalled them I got customer service again and asked about this problem again, so they start telling me about the pre-charge of the pending transactions and that I was in the hole way before the $66.72 and the $2.oo. So I said Looking at my account online and said, no you are wrong I was positive not in the hole, and they proceed to tell me that the amount on line was wrong, which I returned and said no it is not, (the bank manager told me to watch my account everyday so I would not get NSF's) I told her to take the $339.76 and subtract 302.48, does that leave me in the negative if it does then something is Really wrong, I want to talk to your manager, she said in a minute let me tell you how and where you went into the negative, I said I believe that I am going to contact my Lawyer and pull my account, she then said if you look you. I then said NO I WANT TO TALK TO YOUR MANAGER, she then said let me put you on hold, (I was thinking that she would hang up on me) after about 4-5 minutes she came back on and told me that they were going to have their lawyers look at it and call me with in 24 hours. I think that I will get a hold of my states attorney general, and my lawyer plus the media.

    0 Votes
  • Tm
    T mccall Oct 15, 2009

    On a Friday before 4 p.m. a large sum of cash was deposited in my account at the drive thru. The money did not show up on the account until Wednesday morning. NSF fees were assessed and it was explained that it does not count until its posted and it takes two business days to post.

    0 Votes
  • Bo
    bow19 Dec 15, 2009

    I can't believe all the complaints! I thought I was the only one with these EXACT issues. I would like to add that customer service in completely inconsiderate and rude. I was treated like garbage and wish there was something I could do besides leave the bank. Thank you for bailing out out trusty, reliable, considerate banks! Unbelievable. Hello 1st Bank!

    0 Votes

they ripped me off

Last year I opened up one of your online free checking accounts to use to fund my online ebay auctions and to use bill pay out of it. I had a balance of about $170. Unknown to me, compass changed the meaning of free checking to mean a $11 fee each month if your balance was below $1500 or you direct deposit more than $300 a month.

Well I didnt use the account for a while and when I looked at the most recent statement, there is only $33 left in the account. You guessed it, Compass fee'ed the rest of it right into their corporate pocket. No letter telling me about the new fee structure, nothing. Just start taking the money, until apparently its gone.

As far as I'm concerned, Compass has behaved like thieves. They stole from me pure and simple.

I opened a free checking account. Free as in free beer. I had kept reasonable balances in my account which didn't pay any interest as far as I could tell. They gave no notice that any fees were to be imposed. They just snuck it in there so they could pocket the money still in my account. That's thieving pure and simple.

Based on this I want compass to return my money and make more of an effort to notify customers of the fee structure of their so called "Free" checking accounts. $170 might not be much to you, but it means groceries for my family or a couple of days work for me.

I can tell you this. Every time I think about that missing $150 I'm going to go out, Google up a consumer awareness website and post how Compass stole from me. And I can tell you I will be thinking about it quite often starting when I close my account with them this afternoon and get my little pocket change they graciously left me. Compass! You suck. And I'm going to make sure as many people know about your BS as possible.

money scam

BBVA Compass Azle, Texas, has refused to redeem a certificate of deposit #63089, dated January 11, 1995.

This certificate was discovered in a safety deposit box following the death of Nancy Boatman. Mr. Boatman attempted to redeem the value of the certificate in 2011 but was denied.

The certificate of deposit was issued by Azle State Bank on January 11, 1995. Following that date BBVA Compass acquired Azle State Bank in 2008. The value of the certificate has not been redeemed by Mr. or Mrs. Boatman. The initial certificate of deposit in the amount of $2, 000.00 was purchased with an agreed interest rate of 5% per year.

Mr. Boatman’s objective is to redeem the value of the Certificate of Deposit.

  • Ca
    Capt Jim Mar 07, 2012
    This comment was posted by
    a verified customer
    Verified customer

    You can sign a petition to have BBVA investigated by the Justice Department. Go to http://www.change.org/petitions/united-states-justice-department-investigate-who-authorized-bbva-to-do-business-in-the-united-states#: Or codeforeblog.com

    0 Votes

forgery

KRISTI MARTINSON forged my name on my bank account [protected]. My Account Information to my Checking Account to BBVA Compass Bank. The Local Assistant Manager I made the Complaint to the same business day even with Corporate did not give me any further information on why she was allowed to forge my name to a Company Policy and agreement she made a Employee decision to sign due to the Company receiving my banking account routing and account information. I did not give the authorization for any Company to draft from my checking account with a decision a Bank Worker makes.

Resolved no deposit slips anymore!

BBVA just keeps getting worse and worse. At the branch where I bank, the turnover of their employees is mind-boggling. Each time I go in, and I go in weekly, there is a new crew. Unbelievable. The place is now drab and dirty. Everyone seems very unhappy to be there. This bank is cutting back on customer service like no bank I have ever experienced. Now, in a move that defies logic, deposit slips are no longer available unless you demand one. Even then, the slip is no longer photographed so you can see, online, whose check you deposited. This valuable feature was eliminated a month ago, and has really messed up my business accounting. The bank has graciously let me know that they will provide me with pictures of checks I deposit for only $3/ck. Nice, huh? Be very careful with these jokers. They know, full well, that most people will now blindly deposit checks and trust that tellers accurately record a total for the same. With the ultra-high turnover they now have, it's absolutely possible that scamming tellers will soon be working the cages at your local BBVA branch, very soon. "Let's see---I thought I just deposited $2500 in checks, but my deposit receipt says "$2450. I guess I added wrong. Oh well, I'll trust this nice young lady. She's better at math than me." Think that won't happen? Think again. Be very careful. You've been warned. For the record, I'm not saying, here, that BBVA is out to scam you. That would be a scam done by a teller. Without deposit slips, though, this type of scam becomes far easier. I have a gut feeling that BBVA may close up shop in the US fairly soon. I have no insider info on that, but they just seem to be cutting back on more and more services, or charging you for formerly free services, to the point where I can't believe they want to stay in business, here.

  • BBVACompass Nov 16, 2011
    This comment was posted by
    a verified customer
    Verified customer

    Hello,

    My name is Carolina Aramayo and I am a member of the social media team here at BBVA Compass bank. In an effort to improve efficiency and processing time, and reduce waste we are moving towards paperless deposit slips for deposits that do not require cash back. However, should our customers choose to use a handwritten deposit slip, one will be provided. Check images are available at no cost on your online banking profile. We would be happy to answer any additional questions or concerns you may have. Please email us at [email protected]

    Thank you

    0 Votes

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scam

Compass bank wanted My thunb print to cash a check drawn on their bank then they had the nerve to tell me that it would cost me 10% of the value of the check to cash it! They need to put 'Their' thumb print on it. They are getting away with bank robbery in reverse and need to be stopped now!

Is this the way to grow your customer base? If ANY banks should fail and go away for good, CompASS should be one of them. Everybody should read this and boycott Compass bank. Their policy makers need to be locked up in jail.

Resolved stealing deposits

I have 4 CDs for $1, 000 each in the name of each of my children that I put away in 1994 in Guarantee Federal Bank. Guaranty Federal was taken over by Compass and they assume responsibility for all assets and liabilities for this institution. On August 9, 2011 I contacted Compass to see about cashing out these 4 CDs so my children could have their money. Originally I was told that the money had been turned over to the State of Texas. I contacted the State only to be told that they were not holding any funds in my name or my childrens names. Compass Bank then told me they would have to turn the information over to their legal department to locate as the CDs were so old and I would be contacted in 3 to 5 days both by mail and phone. For a month now I have repeadly called the person handling this matter and left message after message for her to PLEASE call me. I have not received a call yet or any information.

Yesterday I finally emailed everyone I had spoken to with in Compass and the employee who was suppose to call me originally finally emailed back saying they have no information and as far as she was concerned the accounts were closed.

The accounts were never closed and BBVA Compass is atempting to steal $4, 000 plus 17 years worth of interest from my 4 children. What nice people. I did file a complaint with the FDIC today but that is another 60 day wait and who knows what kind of response I will get from the US Government.

I have the original CDs and have provided BBVA Compass copies of these on 2 seperate occassions. I guess they lost the first copies I scaned and emailed to them. It is one excuse after another. I believe they think if they ignor me long enough I will go away. WRONG! Next stop is an attorney.

I will bad mouth BBVA Compass Bank every chance I get.

  • BBVACompass Oct 03, 2011
    This comment was posted by
    a verified customer
    Verified customer

    Hello,

    My name is Gail Salinas I am a member of the social media team here at BBVA Compass Bank.

    We would very much like to discuss this experience with you. Please contact us at your earliest convenience, our email address is [email protected] To verify authenticity, please call 1-800-COMPASS; Ask the customer agent to look up my contact information in our corporate directory, ePhoneBook, and transfer you to me. Please do not disclose any private information in your email response that may violate the security of your account.
    BBVA Compass strives to provide the most courteous and responsive service.

    Thank you.
    Gail Salinas

    0 Votes

bbva swindles fees

Opened a free checking account with BBVA COMPASS for 25.00 the first of the year. Four months into the contract they started withdrawing 8.95 from my free checking.
This caused my checking account after 3 months to become overdrawn. There was no warning or notice of the changes.They stole and caused my account to become overdrawn.After calling Irene Navarro rep.#5429 supervisor Pharr, Texas she told me she could only refund 1 8.95 charge leaving me with negative balance of -15.95. not acceptable.Called back spoke to Patrick French Birmingham, ALA a manager. Was told he could zero out the account and steal my 25.00 in the process. In my opinion this company is very UNETHICAL. Also the company has SPANISH leadership and NOT AN AMERICAN BANK!!!

  • Cr
    Crobi28 Jun 03, 2011
    This comment was posted by
    a verified customer
    Verified customer

    Stay Away from BBVA Compass on any business dealings you have. They run debits before credits and I have direct deposit and the day I get paid my money will not show up as posted until the next day. If I use the debit card before the balance shows posted and not pending I get charged a fee so if I get paid friday it will show as pending credit then it truely wont be availible till saturday. Stay away from this bank. The people are non helpfull. Bank of America and Chase are a better way to go. They process credits and then debits and limit the fees they charge...Glade to be done with this bank...

    0 Votes

Resolved frozen account

I have been a Compass Bank member for 5 years. I recently had moved and changed my address with the bank. I...

Resolved horrendous customer service

One would anticipate at least the branch manager to be an honest business man who does not withhold...

taking money

Two weeks ago we discovered fradulant charges from our checking account. I called the compass 1800 number to get the activity reported. The decision was made to shut the account down and open a new one. A hold was placed on the account with fradulant activity due to both the pending fradulant claimant as well as my direct deposit from my employees. I was assured thenly credits to the account would be allowed and there was no need to worry about any debits are not authorized to come out. However they failed to inform me that the remaining funds would be frozen as well. I had no access to any of my money. I could not even put gasin my car. I had to call the local branch and plead with them to release only enough money so i could put gas in mycar. The claim was investigated and the funds were returned to my account. Two days later, the bank allowed the same person to debit my account for the exact amount as the previous claim. The force paid this even though the account was frozen to prevent debits. I had tickle another claim yesterday and cannot close the account. Yesterday my direct deposit from my employees was not credited to my account. After five hours of calls I was able tiger them to place my paycheck into my new account. This morning at 8 am I had 3031.00 in my account. At 2:30 pm I discovered that my account was negative 187.00. My paycheck that took me so long to get credited to the new account was removed and the money cannotbe found in either one of my three accounts. I could not by.groceries or put gas in my car. Essentially my family and I cannot do anything for the memorial day weekend as we now have no money. I have been patient with this bank until today. Looks like I need to find another bank and start over.

Resolved bait and switch

Loans at very reasonable rates boarding on questionably low rates are offered with no intention of being...

outrageous fees - poor customer service

I have a small business and unfortunately opened a checking and savings account with this bank. I had most of the money in the savings account and would transfer funds into checking as needed. I was supposed to have automatic notifications on both cell phone and email but never got any notifications. I received $608 in overdraft in 1 month and being the money grubbers BBVA is, they refused to return any of these fees. Mind you, I had plenty of money to cover my bills in my savings account and was counting on the automatic notifications to help me keep track - bad idea on my part. They are not the friend of the small business or anyone else I can think of. I would never recommend this bank to anyone! Stay away from them!

  • BBVACompass May 23, 2011
    This comment was posted by
    a verified customer
    Verified customer

    Hello,

    My name is Carolina Aramayo; I am a member of the social media team here at BBVA Compass Bank.

    We would very much like to discuss this experience with you. Please contact us at your earliest convenience, our email address is [email protected] To verify authenticity, please call 1-800-COMPASS; Ask the customer agent to look up my contact information in our corporate directory, ePhoneBook, and transfer you to me. Please do not disclose any private information that may violate the security of your account.

    BBVA Compass strives to provide the most courteous and responsive service.

    Thank you.

    0 Votes

fixed term (not rate???) loan

After spending 30 minutes on the phone opening the account and confirming numberous times that it was a fixed rate loan I opened it. Two months later I found out it was a variable rate loan! Then I called and kept asking for a manager but they didnt want to talk to me. Waited days for the manager to call me back and got nothing. Bbva=masters in the art of deception!!! Bbva compass is a bad bank!!! Stay away from them!

  • BBVACompass Mar 22, 2011
    This comment was posted by
    a verified customer
    Verified customer

    Hello,

    My name is Carolina Aramayo; I am a member of the social media team here at BBVA Compass Bank.

    I would very much like to discuss this experience with you. Please contact me at your earliest convenience, my email is [email protected] You may also call 1-800-COMPASS; Ask the customer agent to look up my contact information in our corporate directory, ePhoneBook, and transfer you to me. BBVA Compass strives to provide the most courteous and responsive service.
    Thank you.

    0 Votes
  • Cr
    crestquest Mar 31, 2011
    This comment was posted by
    a verified customer
    Verified customer

    Thanks Carolina. I talked to the BBVA person you referred me to today. She didn't want to admit the flyer and my sales call in opening the account was very deceiving. Because it is all in "print" (body text size). I must be really stupid to have not understood what I was signing up for even after spending so much time with the sales person.

    Then, I asked to speak to her manager. Of course, that is not allowed. I got this answer a lot at BBVA. "NO, you can NOT talk to a manager!" I talked to a different manager there once before that wanted to change the terms of my account. I am not sure what happened to that. I will will NEVER, NEVER, NEVER do business with this bank again. How can a customer continue with a company after feeling so deceived. It is obvious now this is how they get customers. DO YOURSELF A FAVOR AND STAY AWAY FROM BBVA COMPASSS BANK!

    - Dan

    0 Votes
  • Cr
    crestquest Mar 31, 2011
    This comment was posted by
    a verified customer
    Verified customer

    Something happened to my text on this post so I am posting it again:

    Thanks Carolina. I talked to the BBVA person you referred me to today. She did not want to admit the flier and my sales call in opening the account was very deceiving. Because it is all in print (body text size) she said. I must be really stupid to have not understood what I was signing up for even after spending so much time with the sales person?

    Then, I asked to speak to her manager. Of course, that is not allowed. I got this answer a lot at BBVA. NO, you can NOT talk to a manager!

    I talked to a different manager there once before that wanted to change the terms of my account. I am not sure what happened to him. I will will NEVER, NEVER, NEVER do business with this bank again. How can a customer continue with a company after feeling soo deceived. It is obvious now this is how they get customers. DO YOURSELF A FAVOR AND STAY AWAY FROM BBVA COMPASSS BANK!

    - Dan

    0 Votes

Resolved frozen account

I was a customer of Guaranty Bank for over a year when BBVA Compass took over, and I have been with BBVA for a year now, so I have had this account for a total of over two years now. Two weeks ago I decided that I would open a savings account because I was saving up for a large purchase and wanted to keep that money separate from my checking account. I opened the account online and the opening deposit was deducted from my checking account; I received all of the nice "welcome" emails and everything was hunkey dorey...not!!! Two days later, on payday, I go into the bank to make a transfer from my checking to my new savings and low and behold Houston we have a problem. 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 hassel trying to withdrawal 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 embarassed 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 withdrawal 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 Nazi bank.

  • BBVACompass May 23, 2011
    This comment was posted by
    a verified customer
    Verified customer

    Hello,

    My name is Carolina Aramayo; I am a member of the social media team here at BBVA Compass Bank.

    We would very much like to discuss this experience with you. Please contact us at your earliest convenience, our email address is SocialMedia[email protected] To verify authenticity, please call 1-800-COMPASS; Ask the customer agent to look up my contact information in our corporate directory, ePhoneBook, and transfer you to me. Please do not disclose any private information that may violate the security of your account.

    BBVA Compass strives to provide the most courteous and responsive service.

    Thank you.

    0 Votes
  • Ms
    Ms Van Aug 29, 2018
    This comment was posted by
    a verified customer
    Verified customer

    I HAD A HORRIBLE EXPIERIENCE ALSO. THAY HAVE TOOK AND FROZEN 400 DOLLARS FROM ME FROM A 2014 CHARGE OFF AND LEFT MY 12 YEAR OLD DAUGHTER AND I OUT IN THE COLD.

    0 Votes
  • Ms
    Ms Van Aug 29, 2018
    This comment was posted by
    a verified customer
    Verified customer

    I opened the account on Friday and on Tuesday went to get funds that had saved up for daughters braces and was told frozen due to a charge off. I should have been told this before the opening of the account. Savings for braces gone. I usually bank with Navy Federal and thought I would give them a chance since they were close to the house. This was a 400 dollar mistake. Please stay away from Compass BBVA this could be you and your child.

    0 Votes
  • Ms
    Ms Van Aug 29, 2018
    This comment was posted by
    a verified customer
    Verified customer

    This is a horrible bank. I would like everyone to know. My daughter cried yesterday because she can not get her braces. It took me 6 months to save up for that and took the money to compass to hold for 5 days and lost 400 dollars in 5 days.
    Horrible I repeat steer clear.

    0 Votes

Resolved home mortgage bait and switch

Six days prior to our official closing date on our new home, they inform us that our interest rate will not be 4.8 to 5.1 and changed to over 6% on a 30 year mortgage. We only used Compass because of their affiliation with our builder Toll Brother's in Colorado. Suddenly, we are stuck between a rock and a hard place. This change was based on our 1099 status...a fact that Compass knew in September when they began our loan application process. We are livid about this and wonder if we are the only ones out there. Until they make some corrections or modifications, we are determined to give them the most bad press we can. Do not use this bank! They are not to be trusted.

  • BBVACompass Mar 11, 2011
    This comment was posted by
    a verified customer
    Verified customer

    Hello,

    My name is Carolina Aramayo; I am a member of the social media team here at BBVA Compass Bank.

    I would very much like to discuss this experience with you. Please contact me at your earliest convenience, my email is [email protected] You may also call 1-800-COMPASS; Ask the customer agent to look up my contact information in our corporate directory, ePhoneBook, and transfer you to me. BBVA Compass strives to provide the most courteous and responsive service.

    Thank you.

    0 Votes
  • Ma
    MarCam May 10, 2011

    I have an answer for you Don;) seems to me your family was past the point of setting up and getting a loan from another lender (?) Kind of makes CompAss Bank look like they took the approach "Ha-Ha your stuck now bud, better take what we give you".

    I would never use them for a loan, not after they screwed up my small Business checking account, had a few months of the old disappearing, poof, reappearing money trick:(( good thing I keep my receipts.

    0 Votes
  • BBVACompass May 12, 2011
    This comment was posted by
    a verified customer
    Verified customer

    Hello Ms. MarCam,

    My name is Carolina Aramayo; I am a member of the social media team here at BBVA Compass Bank.

    We would very much like to discuss this experience with you. Please contact us at your earliest convenience, our email address is [email protected] To verify authenticity, please call 1-800-COMPASS; Ask the customer agent to look up my contact information in our corporate directory, ePhoneBook, and transfer you to me. Please do not disclose any private information that may violate the security of your account.
    BBVA Compass strives to provide the most courteous and responsive service.
    Thank you.

    0 Votes
  • We
    wesantsnana Apr 16, 2012

    Back in October I called to get my payoff on my home loan, it was $7, 000.00. Now in April its $6, 924.00, suppose to pay off next month. How is this possible? When I called Compass they couldnt give me an explination. They kept transfering me to one person to the next. My payment has been drafted from my checking account monthly for the las 15 years, so I was never late. So Im contacting my attorney in the morning!!! This bank is a rip off, I will never use it again. Never recomend it to anyone either!!!

    0 Votes

Resolved nsf charges

PENDING CLASS ACTION SUIT FOR FRAUD - BBVA Compass Bank has developed a method to scam it's customers who use their online banking service. Here's how the scam works: Their online service shows a "available balance" which is not always a correct amount and even though you have a positive available balance and a check or debit is made which is less than the available balance, nsf fees can still be charged. The reason for this is that the initial charge is made when the available balance is in the positive and will show as a pending charge. However, when that charge is actually posted (up to 5 days later) is when the nsf fee can happen if your account is in the negative at the time it actually posts. During this period from the time the charge is made to the time it posts, your account may have gone into the negative due to other bank fees, etc and will result into a nsf fee even though you had the money available at the time the charge was made. Due to this, BBVA Compass is intentionally deceiving it's customers by making them think the funds are available even though they are not until it actually posts. In addition, this means that you have to make sure there is enough funds in your account at the time the charge is made and also when it posts or you may incur a nsf fee.

  • 1m
    1madlady May 18, 2010
    This comment was posted by
    a verified customer
    Verified customer

    I check my account regurally online. It was a Wednesday afternoon I noticed that my account was short, so I got up Thursday morning and deposited enough money to cover what would have been in the negative. I was busy with doctor visits the rest of the day! Friday morning I checked my account and Compass had taken out three different $38 NSF charges. I called them and got the run around. I called back on Monday, again got the run around! Later that afternoon, I checked my account again and the bank had taken out another $38 NSF charge! I don't mind telling you I was upset! I called back, and was instructed to wait til Tuesday morning to call back! I called back Tues. morning and this time I went straight to the Branch Manager which informed me that there was nothing she could do! This is ridiculous, I don't think I should have gotten those charges, I made the deposit, but the bank took out the NSF charges before depositing my money!! Why is it they take out the NSF charges BEFORE depositing your deposit?

    0 Votes
  • Su
    susieqty1 May 29, 2011

    Compass Bank - Said I could get a small business loan, then said I have to be in business for two years first; never have current balance but instead yesterdays balance so they can charge a NSF fee of $32.00 which seems usurious;balance of account always fluctuates to suit their charges; I made a deposit on a Friday and I could not touch any money until the following Tuesday!; they say one thing then do another, a bait and switch; I made a deposit once with a check and the teller gave me $80.00 as my balance covered that and was chewed out by management for doing this!; advertise 24 hour service but there is nothing present!; I am disabled and once they told me to go back downstairs and do my business on the ATM - do disabled people embarrass them?

    0 Votes
  • Su
    susieqty1 May 29, 2011

    Compass Bank - said on their 800 number that my daughter who lives in another state, could sign papers in any office in any state they had an office, as I wanted her to be the beneficiary of my estate, then said that was illegal, and wouldn't let it happen any other way! more bait and switch? I had another account a while back with them under another name and my rent check cleared so they put it through again and bounced it the second time!

    0 Votes
  • Ts
    Tstegall Dec 15, 2011
    This comment was posted by
    a verified customer
    Verified customer

    I am a mother of 4 with one on the way, my husband and I work very hard for the little paychecks we get so it infuriates me when we get taken advantage of! I made a $6.73 mistake in my checkbook, I realized the mistake on Saturday evening 12/10/11, so on Monday morning 12/12/11 I made an $80 cash deposit. When I made that deposit my available balance was in the positive. Over the weekend we had done some shopping and such, but I was only overdrawn by $6.73 keep in mind! To my surprise, I wake up on Tuesday morning to find out that my account is overdrawn and I have been charged 5 overdraft fees, 3 more on Wednesday, and 1 more on Thursday for a grand total of $342!!! Now, there policy states they will not charge you more than 6 fees in one day, so this is their way of getting more money and creating a horrible snowballing effect on your account! I went in to my local branch to find out what in the world happened and I was told that Compass' policy is to deduct items from your account in the order they were done in. So for instance, everything I did over the weekend, went through before my deposit on Monday which caused fees, so then everything I did on Monday was automatically overdrawn, even though when I made the transaction on Monday the money was in the bank to cover it and so on... This bank is robbing us and has totally taken Christmas from my children! This was the paycheck that was going to buy thier Christmas which was going to be a struggle anyway, but now, I seriously will have NOTHING for them under the tree!!! I even explained that to the Branch Manager, but all she would say is there was nothihg she could do, it was the bank's policy. I want other consumers to be aware of the horrible practices of this bank so no other family has to go through what we are having to go through at Christmas time! Here are some other websites that show the same issues:

    http://www.complaintsboard.com/complaints/bbva-compass-bank-texas-c405790.html

    http://publicintellectual.wordpress.com/2009/07/05/customer-dissatisfaction-with-bbva-compass-bank/

    0 Votes
  • Ramelle Dec 15, 2011
    This comment was posted by
    a verified customer
    Verified customer

    Tstegall - you knew you were overdrawn...

    0 Votes
  • Me
    Meadowledge Oct 01, 2012

    Compass bank closed my credit account and will mess up my credit, even though the account is current and is being paid on time. They said that I am high risk, even though I have been a perfectly good customer and am not delinquent on anything. I just have school loans, but have since graduated and gotten a good job, compass will ruin my credit for seven years or more. This means no house, no new cars, even if I pay them back tomorrow.

    0 Votes

Resolved excessive nsf/overdrawn fees

Since I first open my accouunt at the compass bank on 09/2010, compass has continued to charge my account with excessive overdraft and other fees. This has not been the first time. By the time my payroll hits the bank for some reason the bank has charged my account with fees that only they know about. I had to call the bank twice to wave those charges in which the did but this become tiresome!!! On 01/02/11 was the last straw with that dame bank. I needed gas money to get back home from the new years holiday in which i live out of town, as I went to draw money from my savings account all my money was gone except for 7.34. I was mad!!! What happen to my money from my saving account!!! I had some into my checking accounting. Why would they take all my money from my savings. I went to call the bank but they were closed due to the holiday. This is ridiculous!!! Come Monday- I want my money back because they have no reason for taking it!! I will be closing the account.

  • BBVACompass Jan 04, 2011
    This comment was posted by
    a verified customer
    Verified customer

    Hello,

    My name is Carolina Aramayo; I am a part of the social media team here at BBVA Compass Bank.

    BBVA Compass strives to provide the most courteous and responsive service. I would very much like to discuss this experience with you. Please contact me at your earliest convenience, my email is:

    [email protected] Thank you.

    0 Votes
  • Tw
    Twash Jun 16, 2011
    This comment was posted by
    a verified customer
    Verified customer

    From: Texas...I have has this same experience with compass as well and they suck. The difference with my story is I went out of town for my anniversary. I checked my balance daily to make sure I was staying within what I thought was budget. I had a positive balance but I knew I had to make a deposit on Monday to make sure all charges were covered. I made a $100 deposit on Monday when I returned from my vacation. On Tues morning I had 2 NSF fees/OD fees on my account totaling $76.00 ($38 each) for two items they say posted to the account on Monday but were not showing on my online banking. The deposit would've covered all charges that came through and I would've had money left over. Then I went to compass branch and they told me I had to call customer service 800 number. I contacted the customer service dept and discussed the issues with the account. Not to mention, I have a savings account with money in it as well with compass. Customer service told me I have to have at least $500 in the savings for them to cover charges in my checking account. They agreed to reimburse the OD fees but I checked my online banking again and 2 more OD fees came through so I had to call back and dispute those as well which resulted in them taking the OD fees before the items charges were paid which caused a dominoe effect. I called back again and spoke with a different rep and he informed me the policy concerning the $500 in the savings account in order to cover charges on checking went out in 2010 and we was given incorrect information. He advised we call back tomorrow and they will reimburse the fees but I just wander how much trouble I will have to go through to get that accomplished. I am unemployed with a fixed income and I can't afford any extra fees and problems with my money in the bank. I am parent as well and I amso frustrated and compass only adds to my problem. I will be closing my account as well.

    0 Votes
  • Ho
    Houston77 Jul 29, 2011
    This comment was posted by
    a verified customer
    Verified customer

    BBVA Compass prays on people who live pay check to pay check. I know, I used to work for them when they first came to this country and took over Compass. Thankfully, I was able to quit and move to a career that doesn't make me feel like a thief every day. And I can honestly tell you that the Management team struggled when Reg E came into play because they needed to find other ways to make up the lost fee income. They are manipulating your debits and credits in an attempt to find a way to charge you... largest debits first, followed by smallest credits... and when a debit comes in late from a slow retailer, they will back it up as far as they can to see if it can go in front of a deposit and cause a fee. And a check register won't really do the trick because you have no way of knowing how long they hold a deposit before making funds available. Only those people who have a large cushion to keep in the actual checking account in case there is a deposit hold should bank there. I strongly suggest that everyone else move over to a credit union until BBVA Compass gets the message.

    0 Votes

Resolved fake bank overdrafts

I would never suggest anyone do business with Compass. The managers are trained to avoid you. The Branch Manager in Jacksonville had to ask his boss permission to put me through to his voice mail. If you do not believe me, call your Compass Branch location and ask to speak with the Branch Manager...Good Luck !
They are under investigation for violating federal anti-trust laws because they tried to force customers to use Rapport Software. Anyone see that ad when you tried to log on the web site?? If you did, you should moniter this because you may get a large check one day ! I closed my account in August, 2010 and now I get a collection service letter saying I am $224 withdrawn?? They can't even tell me what it is for ! I am suing Compass Bank BBVA, but I can only sue the local branches, because this bank is headquarted out of the USA. They are not regulated by the State of Florida or any other State. They are fraudulent and do not care for their customers.

  • BBVACompass Nov 30, 2010
    This comment was posted by
    a verified customer
    Verified customer

    Hello,

    My name is Carolina Aramayo, I am a part of the social media team here at BBVA Compass Bank.

    BBVA Compass strives to provide the most courteous and responsive service. I would very much like to discuss this experience with you. Please contact me at your earliest convenience, my email is:

    [email protected]
    Thank you.

    1 Votes
  • Cl
    clue.fields Jul 12, 2011

    absolutely agree. Compass bank's service is nothing short of criminal. My wife closed an she originally opened with her dad years ago. She closed the account last year and withdrew the remaining funds. Some transactions she made before she closed the account posted after she closed the account and withdrew money. Here we are a year later and we've heard NOTHING from them until they froze my father-in-law's bank account demanding we pay 500 dollars. Every single tool that is suppossed to protect debtors was not available to us. It's like they had a gun to our family's head. I work in forclosure for a mortgage servicer and these guys make us look SAINTLY. Also, every single rep I spoke with at Compass did not know the very, very basic aspects of their job( fair debt collection practices act). Compass bank are killers. k-k-k-k-killers!!!

    0 Votes

Resolved cant make paymeny on line

working long hours and cant make it to the bank to make my car payment. when i get home and try to call for...