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2.2 177 Reviews

BBVA Complaints Summary

52 Resolved
125 Unresolved
Our verdict: When using services from BBVA with a poor resolution rate, be vigilant. Understand the common pitfalls other customers have faced. Prepare thoroughly for any interactions with their customer service, and consider alternative solutions if your issues are not addressed satisfactorily.
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1:44 am EDT
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BBVA fraud

I recently went to Compass and deposited $150 into my account. After having made that deposit, I made a charge to pay my cell phone payment.

They then assessed numerous NSF fees to my account and said it was because I made the deposit after the "cut off". I pushed for when they processed the credits and they will only say "before the cut off" which turns out is between when the bank opens and 3pm. Business hours.

They post debits in real time and then only post credits during business hours. The customer service was also very rude about the whole matter!

Despite having receipts for the credit, which came before the debit, also have a receipt for that, they would not reverse the charges.

My account never even showed going negative after all the NSF fees. Positive before the deposit, and positive after the debit and fees. But yet I got numerous fees. How are you NSF if you keep a positive balance and put money in before you spend it?

I am referring the matter to the District Attorney's office for the state of Texas.

AVOID COMPASS BANK!

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Gabriel Haddadi
,
Oct 20, 2008 9:56 pm EDT

The exact same thing has happened to me many many times. Recently, I inquired on the phone before hand to see when the deposit I had made the day before would clear. I was told by one of their customer service reps, Yuvicia, that it would post at midnight, no ifs ands or buts. Well, it didn't. I used my card the next day, and got hit with 7 NSF charges. Further more, when I told them that I had called to inquire about the charges, I was told that they had no record of the call, and since all their calls are monitored, the call didn't take place. Sabrina Tisher, of the Arizona call center was the lovely CSR who saw it fit to numerously call out my integrity, by saying I never made the call, or the follow up a couple days later, but she also offered such gems of advice such as "You shouldn't spend money unless you have it in your account". Needless to say, this sent me through the roof. I have already forwarded the information about it to the Better Business Bureau, and I have the call records to prove the calls were in fact made, even if they "lost" them on their end. I would really like to try and gather some feedback for more people, and possibly pursue a class action lawsuit. I have already spoken to a lawyer, and he said their practices were unethical, and if they in fact deleted the phone records proving their guilt, and my innocence, it would constitute fraud. I would really like to stick it to these guys, since they obviously have it coming to them.

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11:00 am EDT

BBVA nsf fees!

I have been banking with Compass Bank for almost 8 years. I have been hit with over $500 dollars in insufficient fund fees in a 1 month period. I racked up $152 dollars in NSF fees before I received a phone call from Compass Bank customer service. Unfortunately for me I was out of town at the time the call came. Before I left town I deposited my pay check. After receiving 4 NSF fees on my account I was NOT even informed by the teller that my account was already in the negative. Now to make things worse even after depositing my check I continued to rack up hundreds of dollars in NSF fees. So to add insult to injury if your account is in the negative for 6 consecutive days an extended overdraft fee of $38 dollars is imposed. On the 7th calendar day my account remained overdrawn and therefore Compass imposed an additional $7 for each additional day it was overdrawn. This is absolutely RIDICULOUS. When I contacted customer service about my situation they only refunded back to my account $76. Please keep in mind that they ripped me off for over $500 dollars. DO NOT BANK WITH COMPASS IF YOU DO NOT WANT TO BE RIPPED OFF! COMPASS BANK SUCKS!

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GREGORY aDAMSON
, US
Oct 01, 2010 12:02 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

My situation is a little different but just as bad. A compass customer service person told me I had $1000 in overdraft protection and could overdraft up to that amount & be charged NO FEES. I signed up for that protection. Who wouldn't? Several weeks later I needed to pay a bill & therefore overdraft my account by about $200 - I knew it wan't a problem because I had the $1000 protection. I called custermer service & they refused to consider refunding the $304 in NSF fees. They said I just misunderstood the rules on overdraft. The fact is the cust. serv. guy got side-tracked when he explain overdraft protection & told me the would be NO FEES to uverdraft up to $1000. FYI: After getting no satisfaction with Compass cust serv., please get in touch with your state's banking commision in your capital. They will address it since compass rwfuses to make things good. My case is pending (just happend yesterday). MAIN POINT: DO NOT TAKE NO FOR AN ANSWER WHEN COMPASS SAYS THE WON'T FIX SOMETHING!

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wowwee
, US
Jul 30, 2010 1:27 pm EDT

I agree that Compass is very deceptive in their online banking and have very poor customer service. We are closing our account and moving to Chase. All please forward your complaints/situations to the FDIC and Federal Reserve Consumer Help. Both can be contacted online or by phone.

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yappcd
Houston, US
Nov 12, 2008 12:21 pm EST

One bit of advise, since Compass is a NSF fee hawk, you need to make sure that you do not let the account drop below a certain amount say 100.00 dollars. It is also advisable to try to maintain at least one paycheck worth in the account because their deposit and withdrawal policies are more than just bizarre they are dubious. I am just with them until I clear something up with BofA and then I will go back to BofA. I find it hard to believe that a bank will post a deposit at the end the transaction chain just to get fees. Really bad business practice.

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Vickie
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Oct 02, 2008 2:36 pm EDT

I am glad I am not alone. I have experienced the same problem with Compass bank. I watched my accountlike a hawk and monitored it online. I went to the branch to verify my available balance verses my pending transactions. I withdrew money and left enough to cover any pending checks. At 9:00 am I checked my balance and it showed a $10 positive balance. I knew all checks had cleared and I had nothing pending. At 1:00pm I went to make a cash deposit to my account and there I found I was -$103.00. I went to speak to the manager and they told me that a check I had written on Thursday had cleared but because I wrote the check on Thursday and my balance was less than the check on Thursday, my account went into overdraft. Even though I put the money in the bank on Friday to cover the check. Now they have taken my whole paycheck from my part time job. It is virtually impossible to balance your account with Compass bank.

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Bfair
Huachuca City, US
Sep 23, 2008 4:11 pm EDT

This all to familiar having the same problem with Compass Bank i watch my account pretty close and was in the branch this morning taking care of a NSF fee but the teller did not tell me there was a big snowball behind it i had another NSF waiting behind it and it did not show up on MyCompass PC until i got home they have done this 3 times this week and i am not normally a NSF regular but when you ask the teller "So now my account is good now no more fees waiting "? She said YES it is fine but like i said about an hour after igot home i get a recording that i did not get for the last 2 NSF but today i do after i was told my account was OK but its red again They sure do have a big lapse in time to deposit your money but when it comes to them getting there its taken it in my opinion way before it should be. FYI Did you know that COMPASS BANK IS OWNED BY SPAIN! Something to think about

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George Abraham
, US
May 17, 2008 4:37 pm EDT

Compass Bank is very bad with Non sufficient fees. Infact, when I talked to the manager of the bank, they told me that the bank makes a lot of money with NsF fees and that is keeping the bank going. How pathetic to know that the bank survives on NSF fees.

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5:28 am EDT
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BBVA fraud and illegal activity!

I'm writing to warn any prospective customers about Compass Bank's shameful practices. I have read quite a few reports here about people who have been unfairly charged NSF fees. While that scenario does not apply to me (I'm very careful not to allow my account to get low and I never write checks--ever), just as a customer who has been banking with them for a couple of years, I have some complaints.

First of all: I always deposit cash. Liquid cash. Their policy is that even though they have your cash IN HAND, they HOLD the funds until midnight of the following business day.

That means that if I walk into the bank with $1, 000.00 at 9:00 AM on Monday and deposit it into my account, I don't see a DIME of that money until 12:00 AM on TUESDAY. I don't understand that. There are no checks to clear, there is no paperwork to do, nothing to verify and no one who needs to be contacted. It's MY money, it's in MY account, it should be MINE to use right away, right?

No. And if you make a purchase before midnight, you WILL get dinged with an NSF fee. This should be illegal.

ADDITIONALLY; they hold your cash an EXTRA day if you deposit it using the ATM machine. That means that if you deposit that $1k on Monday at 9AM, they don't check it until close of business on Monday afternoon. They 'process' the money on TUESDAY and then post it to your account on WEDNESDAY...supposedly at midnight. This is still cash, we're talking about--liquid cash.

Secondly: I have had CASH TRANSFERS into my account from other places. This means the liquid assets are given directly to them from another bank. The money is cleared and subtracted immediately from the other account. In addition to the 'until midnight' hold policy, it is ALSO their policy to charge YOU, the recipient, $15.00 to receive the funds. That's right: they CHARGE you to keep your money.

In the TWO times I've done this; they made a mistake and charged me TWICE for the $15.00 fee. I can not get them to reverse this. I have read their documentation thoroughly and they were supposed to charge it ONCE but they did it twice and I can never get someone on the phone with the authority to fix their mistake. So I simply do not perform transfers in this way anymore. They got to keep my extra $30.00 for free, it seems.

Now, let me also add that yesterday at around 3:00 PM I made an $800.00 deposit into my account. When I deposited the money, I confirmed again with the teller 'Today is 13 May. I will see this money in my account at 12:00 AM on 14 May, correct?'

'That's right.' she told me.

'Okay, just making sure because I have a purchase to make first thing in the morning and I've had it happen where I checked at midnight and the money wasn't there before.'

'No, it'll be there, ' she said.

'Okay, Thank you.' and I left.

Let me point out now that it is 12:51 AM on 14 May. The money still isn't in my account. This is not the first time this has happened... as a matter of fact, it seems to happen EVERY TIME I've checked. I know from prior experience that it will not post until 6:00 AM.

This is aggravating. I have an important purchase to make online using my debit card. I wanted to do it tonight so that it could be shipped out first thing in the morning. If I *do* attempt to make said purchase EVEN THOUGH THE FUNDS SHOULD BE THERE, I know I will be dinged with an NSF fee, an overdraft fee and whatever other fees they choose to tack on.
And I know I will not be compensated for their failure to follow their own policy and RELEASE MY OWN FUNDS. We're still talking about cash here.

I have opened an account with Wachovia bank and will close my account, in person and in writing as soon as I receive my debit card for my new account. I checked their practices and they seem to be on-par with industry standard so you may want to switch to either them or a bank that's like them.

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lambpat
, US
Jun 08, 2010 2:45 pm EDT
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I cannot believe that if the bank is this bad that you would continue to bank with them! Let me see if I understand you correctly...They deposit your cash, its not available until after midnight that night, you need your money and you can't have access to it until AFTER midnight. So...I ask the Dr. Phil question here...Hows that working for you? Banks! Get your money out of there now! If you ever expect banks to change their operating practices, you have to let them know you are not tolerating their actions. Take your money to the nearest Credit Union and bank with them. Credit Unions are people like you and me. They dont pay those big salaries to their board members. The board members at a Credit Union are ELECTED BY THE MEBERSHIP, MEANING YOU AND ME! They dont earn any salary for serving on the board, they are elected. Yes, Credit Unions have fees too but nothing like the banks! They are friendly people who really care and are there because of you. I was reminded of how BAD banks are just the other day as I have been banking with Credit Unions for over 20 yrs. I took a check my daughter had written me to HER bank to cash. They wanted to charge me $6 to cash my daughters check at HER bank with HER money in it! I looked at the teller and said, "I am going across the street to my Credit Union where they dont know my daughter from Adam. They not only will cash it, they will NOT charge me a fee to do so nor will any of my funds be placed on hold! Thank you for reminding me why I do not deal with banks!" I took the check to my Credit Union and the only thing they asked me was what type of bills I would like! Now...thats the way to treat your customers! Get out of banks now unless you can afford to keep giving your money away.

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9:11 pm EDT

BBVA Bank fees

April, 7 2008
Apparently a charge to my debit card for $87.47 put my account over $83.08. This was the last Actual charge on my account on 4/07. According to compass accounting practices since this was a larger debit it was posted before other debits, 9 other debits to be exact. compass charged my account 9 NSF fees for $38. There was a deposit of $500 posted on this day also but according to compass, deposits do not count until all debits have cleared. the wierd part is there is a debit for $14.58 posted after the deposit. 9 $38 nsf fees posted on 4/08. Of coarse the fees posted first. Then more charges posted this day and everything cleared but the fees eating my $500. On 4/09 anothe nsf fee for $38 appeared for who knows what. A $300 deposit posted on this day. This fee and for other debits each under $10 resulted in in 4 $38 nsf fees posting first on 4/10. 3 debits for under $10 were assessed fees. 4/11 3 more $38 nsf fees posted and a $3 dollar debit which resulted in another fee. A $360 deposit was posted on this day, but of coarse deposits don't count until debits.4/14 one nsf fee posted 6 debits of which 4 were assessed fees. 4/15 4 fees 2 debits of coarse both were assessed fees. 4/16 2 fees and 1 deposit for $170. 4/18 1 draft on account which results in $38 fee on 4/21. On 4/21 a $45 overdraft fee was accessed. On 4.22 a large deposit was automatically made of which $371 was taken by fees. On 4/07 a $83.08 overdraft cost me 26 $38 nsf fees and a $45 od fee. The same day a deposit was posted that should have covered this whole mess. I called compass 10 times but each time I was told that these were legitimate bank charges. I plan on picketing the bank that the account was opened at. I plan on calling every news station in town. Banks were supposed to keep our money safe not keep our money. I am thinking about buying a safe and going cash only.No money in the banks means no Banks. Compass is supposed to be rebating my ATM fees and I have never seen a rebate. Compass doesn't care about their customers they only care about the customers money.

Allan
Garland, TX

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DanVan
, US
Dec 19, 2009 2:39 am EST

Yep it's terrible when a debit takes forever to clear, then conveniently clears when there's not enough in your account to cover, resulting in the avalanche of NSF fees.
Compass can go to hell!

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Phx upset
Phoenix, US
Jul 07, 2009 3:03 pm EDT

i hate compass bank. they hold items pending and even if your payroll is automatically depoisted on the day they "clear" your account, you still get hit with the NSF fees. It's that unethical or illega. They haven't even posted your account, which in my mind that means it's not been paid yet, so why are they charging the NSF Fees!?!?!
I completly hate them and can't wait to go back to Bank of America! Compass are just a bunch of thieves, claiming good customers service and trying to compete with the large banks!

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CLiff Daniels
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Nov 28, 2008 3:52 pm EST

They are stealing from our accounts. Black ball the ###. Close your account and deal with a local bank. Call your Congressman/ State Reps./ BBB. What ever we have to do to be heard. I have lost over 5000.00 dollars to these people.

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Charlie
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Aug 20, 2008 5:14 pm EDT

AMEN BROTHA!...im calling my congressman tomorrow, something has to be done...

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7:08 pm EST

BBVA avoid scott tutwiler!

If you are a business customer of Compass Bank and you call their Business Client Services line I warn you to hang up if the man named Scott answers! There are several women who work in the department who are for the most part nice and helpful except for the one named Nikole. Her tone is her problem, she does at least seem to know what she is doing, that is not the case with Scott Tutwiler. Recently he had me so confused that I overdrew my account for the first time ever in my 10+ years with Compass. I was very thankful that I was refunded for the fees by one of the others in the department. When I called in and got someone else, I could hear Scott talking to another customer in the background in the same tone as he used with me, he appears to have a problem communicating as he repeats what he says and used the phrase You Know over and over. I was given the name of his Manager as Tammy Prater I plan to write a letter to her suggesting that she pull the tapes of his calls. He needs to be gone, the department is being ruined. The address I was given to write to was Compass Bank Attn Tammy Prater ALBISCTMO 701 32nd st s Birmingham, al 35211.

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12:00 am EST

BBVA compass is stealing money from the poor

I am disgusted and at a total loss. My mother-in-law, father-in-law, and their three grandchildren are being beaten down by Compass. They are missionaries in Mexico. They receive very limited funds to carry out their mission and maintain their living situation. Recently they went to an atm to pull out $500 to use as they needed for food and other living costs. The atm told them it could not dispense money at that time. To their horror they later found out the bank had debited the amount despite them not receiving any money at all. They contacted the bank, and as of now no one has come to the location to confirm the problem and on top of that they have charged them over $250 in overdraft fees. I know that since the location is in Mexico it may be difficult to do this, but they are CHARGING them while this is going on. These good people are being trampled on and kicked in the face by this heartless company. As I said they have very little money to begin with. This has thrown them into a very dangerous situation. Compass will not raise a finger to help them and is willing placing them in irreversible debt. My husband and I are sending them everything we can, but I have no idea what to do. I fear my family is sitting in a foreign country with little to now money and possibly running out of time. They will not recover from this is Compass keeps charging them to death. I need help and I have no idea where to go.

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Shane Denton
,
Oct 20, 2008 7:12 am EDT

Compass Bank Regulator:
The Federal Reserve Bank of Atlanta
Public Affairs Office
Pierce Nelson [protected]
Jean Tate [protected]

Please call or write this number if you have complaints about Compass Bank. They simply cannot get away with these practices. They are outside of the norm of other bank practices.

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Susan Denton
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Oct 18, 2008 6:19 am EDT

Thank you so much for the address. I will write today. I was with this bank for one year. This was the worst business relationship I have ever experienced. They do not credit deposits for days. They take money out with a credit card authorization that hasn't even posted. I spoke to Carrie at corporate and she was extrememly hostile and defensive. I stood in line one day and all of the people in front of me complained. I am in Florida and there are numerous Better Business Bureau complaints against them.

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H. Roberta Arrigo
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Jan 10, 2008 8:47 am EST

I am having a similar situation with my mother whose social security check is being eaten up by OD fees from this bank. Hasn't anyone thought about writing to the State of Alabama Banking Department or to the Alabama State Attorney General's Office. ( Their address is: PO Box 4600, Montgomery, AL 36103). The Chairman and CEO of Compass Bank is Mr. D. Paul Jones, Jr., Compass Bank, PO Box 10566, Birmingham, AL 35296. If this bank has branches in other states this becomes an interstate commerce issue and you should berihng this to the attention of the US State Attorney General's Office in Washington DC. Send him a detailed history and copies of all documents. Make sure you keep detailed copies of everything you send out and when you send mail make sure you send it priority mail with a delivery confirmation. It will cost you a little more but the security of knowing your stuff got there is worth it. Compass Bank will not pick up any mail that is certified/return receipt requested because that leaves a paper trail as someone has to sign for it! Enough complaints and someone will do something! The problem is that poor people don't know how to use the system to their advantage. Good luck!

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12:00 am EDT

BBVA poor service!

We worked about couple hours every day just to get the mailing address to mail a payment for our home equity line of credit. Can't find proper details incur online account. Cant find a statement for our home line of credit or an address where we can mail check for the payment. Calling customer services for more than 45 online holding for a person to answer, but no luck. this is the case for a long time. The work customer service I had ever had in the US.

I think this is causing so much inconvenience as we work all day and try to take care of our personal stuff after work; and Compass bank is making it impossible for us. Can't get a person to give us the address to mail a check.

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Charlie
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Aug 20, 2008 5:09 pm EDT

Totally Agree!

This bank is operating like it's 1995 - they will not recognize a cash deposit on the day that its made but will post cleared checks on a previous days basis. They are in buisness to charge fees thats it !...Mark my word this bank will not be around much longer. Customer service reps are untrained and very unproffesional. I am a big believer in Wells Fargo - I'm going back...

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Robert T Murphy
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Jan 30, 2008 3:33 pm EST

Compass bank HAS VERY POOR SERVICE and needs to go out of business,... I will NEVER EVER,... Deal with this BANK of Bandits again. And the next car we have to get a loan threw Compass bank we are parking the Car and walking out.

A person who just paid off a LOAN should not have to go threw what we went threw,..they sucked the joy of paying a 4 year loan right out the window by losing the TITLE of the car and before then,.. Lost Money that was trasfered to one bank to Theirs (Which I am still wondering how that could of happend. I AM SPREADING the word that COMPASS BANK is a POOR SERVICE,..bank and is not a PEOPLE Bank as they claim. Another problem is that they don't seem to have Managers of this Bank of Bandits who are ready to handle PEOPLE'S Complants or Frustrations.

THIS BANK IS THE WORST BANK I HAVE EVER CAME ACROSS AND THOSE WHO WORK IN IT,..are so untrained and really need to find other jobs. A monkey can answer phones! WE want someone who can help us Pay off loans and speedy service and Knows what is going on.

Robert T Murphy

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12:00 am EDT

BBVA unauthorized billing!

I had two checking accounts with Compass. I called the 800 number and asked them to link them together. The lady was new and ended up very to call me back and then saying them were linked together. Meaning if money wasn't in 1 account it would pull from the other. Now I find out that that is not even possbile with Compass. I had purchases totaling around $70 and was charged $304 in NSF FEES alone not including purchase. I talked to the Regional Corporate Office and they only offered to credit back three. My direct deposit was $326 and left virtually nothing. I am a single parent on welfare and working trying to survive. Compass has poor customer and rude employees. I ADVISE EVERYBODY NOT TO OPEN A ACCOUNT WITH COMPASS. THEY ARE TAKING ADVANTAGE OF THEIR CUSTOMERS AND PRACTICING UNFAIR BANKING PRACTICES. BANKS SHOULD NOT BE ABLE TO CHARGE UNFAIR FEES. I DO NOT HAVE OVERDRAFT PROTECTION OF MY ACCOUNT THEREFORE THE CHARGES SHOULD NOT BE ALLOWED BUT THEY ALLOW THEM BECAUSE THEY KNOW THEY CAN CHARGE THESE FEES.

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12:00 am EDT

BBVA nsf fees / bad customer service

I have had a checking account with Compass Bank in Arizona for 6 years. I am here to tell everyone DO NOT OPEN AN ACCOUNT WITH COMPASS. A couple months ago I ordered a replacement debit card for my husband. Instead, Compass canceled my debit card and reported it as stolen. It took 4 visits in person to the branch office on 7th St and Union Hills. Hours on the phone with bank card customer service. 2 weeks later I finally got my card replaced. But not before being stranded 70 miles from home with no cash and no access to my checking account. I did not get so much as an apology.
Recently they charged me $1200 in nsf fees. It started out as an overdraft of a few dollars and by the time they were done it was a huge mess. Again tried to use their customer service. Again no satisfaction.

Compass has some of the highest banking fees in the country. They also make a habit of delaying posting deposits but put the debits through immediately. Then hit you with numerous fees and before you have a chance to make an additional deposit (because you get the notice 10 days later from Birmingham Alabama) you have fees on top of fees. I am trying to close my account now. They are charging me $7 per day and all that is left on it are the last nsf fees I am refusing to pay. There are plenty of banks out there looking for your business. Leave Compass as fast as you can.

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Hatebanks
Bullhead City, US
Jun 16, 2009 2:43 pm EDT

Same here. Compass charges exhorbitant fees. They purposely time deposits and withdrawals in order to create an "appearance" of being overdrawn.

The entire world wide banking industry basis all account activity on the "posting" date of a debit, either electronic or check. Compass actually arbitrarily uses either the date of the transaction, or the posting date. They also "pre post" checks.

For example, if you have a 100 dollar balance, and use your debit card to buy gas for 50 dollars, the gas charge may not show up for 3 or 4 days...it's post date. Say you buy the gas, go grocery shopping, pay some bills etc, your cleared balance at the end of the day is 49.00. So you deposit 75.00. The next day you have a positive balance with both the deposit and the gas charge pending. Another day goes by, and both the charges clear. What does compass do? Well, since you originally made the gas charge before the deposit cleared, even though they were on the SAME DAY...they charge a 38.00 NSF. Of course, you don't know this, and you happilly use your card...and Compass then maximizes their fees by ordering the times they clear. I've paid over a thousand dollars in fees because of a .35 cent balancing mistake.

I personally don't understand how it is legal for Compass to arbitrarily use the origination date or the posting date in order to deliberately generate fees.

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Jackie
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Jul 24, 2008 2:52 pm EDT

I had same problem with Compass bank and their predatory tactics. There were multiple unauthorized charges on my account by two institutions and by the time i noticed a week later (when i walked in to the bank to make a deposit) i was already $800 in the hole in compass NSF 38.00 fees tacked on top of the UNAUTHORIZED charges. My Debit card was never declined despite being 800 in the hole so naturally i never knew anything was wrong. IT TOOK SPEAKING TO THREE DIFFERENT COMPASS BANKS TO FINALLY CLOSE MY DEBIT CARD.
They refused to shut down my account until everything was paid up despite my account fraudelently being tapped into. Meanwhile the fees just kept adding up because COMPASS ALSO REFUSED TO FREEZE MY ACCOUNT. The only way to avoid the continued HEMORRAGE was to pay about $950 to bring my account out of the negative balance and immediately shut it down.

I never heard of a bank not being able to at least FREEZE an account if there are unauthorized charges, but Compass claimed that banks dont freeze accounts. Further, their so called "investigative team" at compass's 1800 # were rude and one of the managers simply said that compass is not in the business of "policeing accounts" therefore they don't cancel or decline debit cards when the account goes into the negative balance. Had i not walked into the bank within that one week my account could have gone several thousand into the hole within a matter of two-three weeks since Compass doesn't decline debit cards. Therefore, no way of knowing if your account is fraudelently being used, until of course you either walk into the bank or get the statement in the mail.

They have one hell of a racket going on. I am shocked that the FBI or other Federal authorities havent looked into these abuses.

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Donna Lewallen
,
Jun 26, 2008 11:43 am EDT

I am fighting Compass right now about NSF fees. I actually had something that was unauthorized to go through my bank. So I called them & of course they told me I would have to file a dispute, etc. I was charged $38/NSF fees even BEFORE the item went through. Then, they put the larger item (disputed $69.90), BEFORE they put the &7.95 one through. So I incurred THREE NSFs. A few months ago, I incurred an NSF fee because they took out a check BEFORE they credited my deposit. I called to get them to reverse the charges but they refused. I read an article on msn a few days ago but can't find it again. It talked about this very thing & I believe it said that there is a bill that is trying to be passed against this very thing. The larger check/ debit goes through first PURPOSELY because banks are making MILLIONS of dollars a year on this. If we report these banks to the Federal Trade Commission, it may help. You can do that on-line. BTW, I am closing this account. I've already opened a new one with Bank Trust. So far, they seem much better. I talked to them first to see if they used such tactics & they said no.

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Sean A. Murphy
,
May 24, 2008 8:39 am EDT

I was drawn to open an account with compass bank because of their advertising and purported 6.5% interest on a checking account. It sounds like they are actually a bunch of money grubbing A--holes and I will avoid like the plague. Thanks for posting your experience.

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Lisa
,
May 13, 2008 8:00 pm EDT

They are predatory indeed. They change the chronological order of deposits & withdrawals in order to create fraudulent reasons to charge their customers NSF fees, then refuse to show the actual documentation of said deposits & withdrawals. Their tactics are absolutely disgusting & if I were an employee of this deplorable institution, I would be embarrassed & feel like I had sold my soul to the devil. I cannot believe employees can defend the conduct of this company. I am closing my account immediately. I would never recommend this bank to anyone, including my worst enemy, EVER!

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Neil
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Oct 16, 2007 6:01 pm EDT

I opened some "free" accounts for my teenagers. I expected them to overdraw at some point. I expected some fees. I figured that if they did, they should pay the price and learn a lesson.

I did not expect to find a company as predatory as Compass Bank.

When my son overdrew his account on a Monday. On Wednesday they finally mailed a notice of the overdraft. I did not get said mailing until the end of the day on Friday. So I went to the bank on Saturday with CASH, only to learn that

1. the cash deposit would not post until midnight Monday, so any further action over the weekend or on Monday would hit as overdrafts. In other words more $38.00 fees.

2. Once an account is overdrawn for a week, they charge a $38.00 fee PLUS $7.00 per day.

Because my daughter had once worked for Compass, she was able to hook me up with someone who would make the cash deposit post on Saturday. Without an inside tip, my son would have been out many more dollars.

My daughter, likewise, overdrew her account. We did get to the bank in time with cash to avoid the whole overdrawn for a week problem. But a bank official looked at her screen and said she was $251.00 in the hole, but nothing else was due to come in, so her advice was to wait until the next day and deposit the correct amount. We deposited $300.00 in cash.

Guess what? Overnight another item showed up for some $20.00, but because it was posted for the previous day, it was debited from the account, which drew another $38.00 fee, before the $300.00 was credited.

I had a bank official explain what she should do directly to my daughter, but then I told my daughter what they would really do to her. For example, the banker told her that they "may" place a hold on any check we deposited, even if it was from a local bank to stop the overdraft hemorrhage. I told my daughter that they absolutely WOULD place a hold on any check we deposited because it is the Compass Bank policy to do so. Again, having a daughter who told me the inside scoop was valuable.

Anyhow, when we went to close the accounts a week later, I actually had the branch manager, I think his name is Michael Daley, at the Compass Bank at 7347 FEDERAL BLVD in Westminster, Colorado, come out, insist that I come to his office, and try to argue with me that I didn't know what I was talking about. I told him at least 3 times that I had no interest in arguing, that I simply wanted to close my account and leave. He insisted on "trying to educate me with facts". He finally quit trying to argue with me when I told him that I didn't trust him because he was only spouting the company line as he had been taught to do. Even then, as we were walking out, he said something very sophomoric about me "making him laugh" for not wanting to listen to him.

ALL I WANTED TO DO WAS CLOSE MY ACCOUNT, AND HE WANTED TO DRAW ME INTO AN ARGUMENT! I left with my jaw on the ground over how unprofessional and childish they acted.

My 16 year old daughter could not believe it either.

TMy advice: Do not to business with Compass. They are predatory and seem to be interested in padding their bottom line with fees.

Oh, yeah, they also charged a $1.50 fee to use their ATM to check a balance on an account at their bank.

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Mike Dallas
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Jul 08, 2007 12:36 am EDT

Hi!

Just like thousands of others, I have been ripped off by my bank over the couple last years in NSF fees. I'm tired of this, and am looking for support from the community to help put an end to this "legal scam".

I have the domain www.stopbankfees.com and I'm looking for help from the community. I need help with:

- Building this site so we can get people to register and sign a petition (with email verification)
- Course of action: Who do we go to? Local congressman? Federal level?
- Spread the word
- Conduct an online survey and collect information on how much fees has the average unsuspecting consumer paid over the last month, year.

I know that we live in a capitalist country. But I also know that we live in a democracy. The highest power in this country is people.

Thanks!
Mike
stopbankfees@gmail.com

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12:00 am EDT

BBVA extremely rude and racist teller!

RACIST TELLER: The service at the Promenade Compass Bank is bad enough usually, but the teller we had today is the rudest, most unprofessional bank employee we've ever dealt with. Not only did she give us a problem about a deposit (we've been banking there for six years and never had an overdraft!) - served up with plenty of attitude - but it was very clear that she was behaving this way toward us because we were white (she's African-American). Her voice, her manner and her responses ("I'm not being rude to you, but if you think that it ain't my fault") all indicated a deep problem with non-African-American customers. Why is this woman being allowed to work with the public? Please send this comment to anyone you know who banks. The branch telephone number is [protected]... feel free to call and let the Branch Manager (Scott) know how you feel about being waited on by someone who hates races other than her own. Thank you.

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12:00 am EDT

BBVA can't wait to close my account!

I will be closing my account with Compass Bank shortly and can't wait! Why?

1. NSF fees are the highest--$38.00 a day! Compass Bank refuses to deposit your hard-earned money first. They prefer to debit all purchases NOW, then wait 3-4 days to finally credit your paycheck. By then, it's way too late!
2. They don't have "real-time banking". Like I said, I've always had to wait 3 days for any purchases to show up on Compass' Online Banking Website.
3. Unfortunately, I found out that Compass is VERY limited branch-wise...they're only like in 5 states. Imagine visiting a state that doesn't have one... major ATM fees! Since then, I've been going to grocery stores like Wal-Mart, paying for groceries and then getting extra money via checkout.
4. Free ATM's? Please, I don't know of many people who keep all of their receipts and mail them back to the bank. Who has time?
5. Since they rip-off lots of people through high NSF fees, I would seem to think that my Compass branch would look "palatial" on the outside. It doesn't. My branch building is OLD with paint peeling all over the outside and no car drive-up ATM. The inside is worse because they have lots of smelly, empty rooms with bland beige paint.

On the flip side, my NEW bank has:

1. TONS of branches nationwide--especially when I go to visit my parents. No more worrying.
2. Real-time banking on everything! I LOVE that!
3. Knowledgeable and professional employees
4. A nice, clean business-casual building inside and out. Nothing too "stuffy".
5. Drive-through ATM's.

Choose banks carefully... or else it WILL cost you sooner than later.

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crestquest
Corona, US
Apr 07, 2011 4:03 pm EDT
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I love the title of this post! I feel the same way. BBVA Compass bank is a master of deception! Stay away from them. WORST BANK EVER!

Danfk

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Vince Hart
Holly Pond, US
Jun 23, 2009 5:15 pm EDT

Compass Bank
Cullman, Alabama
Today I attempted to withdrawl money from my account and get two money orders for a Passport. I was told that they do not have money orders but can provide me with a Cashiers Check that would cost six dollars. I then told them that I was a customer and was suppose to get free checking etc... They checked my account and told me that the type of account I had does not provide this service. I then asked to close my account. They told me that I could not close until two pending transactions cleared. I understood and went to K mart and got two money orders for 69cents. I then returned to withdrawl all my money except for the money needed to clear the pending transactions. I have banked with Compass for several years. I always questioned certain charges etc... I now have come to the realization that they have been taking me for a ride! This is only my opinion.! Once these pending transactions clear I WILL CLOSE MY ACCOUNT!

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12:00 am EDT

BBVA estate of late father

My father died over 6 years ago. Compass Bank would not change the address of record on his bank account even though he had requested it prior to his death. He was living with my husband and I at the time of his death. We had forgotten about the account over the years. It only contained a little over $1,000. Recently, while going through some old papers, we found an old bank statement on the account. We took a certified letter from the probate judge along with a death certificate to the bank. The letter told them to release the funds to me. They said they would send it to their legal department and let me know when I could have the funds. That was on 4/20/07. As of 4/24/07, still no word. They never return my calls. I have to go to the bank everyday on my lunch hour to check on the status. The other banks at which my father had small accounts were very courteous, efficient and released the funds to me the day I presented them with the letter from the judge. I would recommend that no one have any type of account with Compass and they are the most inefficient financial institution I have ever had the misfortune to have any dealings with.

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Meagan Murdock
, US
May 22, 2018 12:59 pm EDT

Compass bank has been the worse financial institute that I have worked, My Fathers passed. I went into a branch sat with the branch manager directly she took, the death certificate and Will that showed I was the executor of his estate copied it and call her probate department. You would think branch manager would have flagged all his accounts that he's deceased and my name as executor. I have sold my Father's home and provided information to escrow to payoff the equity line attached to the property. Compass bank will not speak to me, said I have to go to a branch to provide documentation I ALREADY DID and now I am 10 hours away from a branch.
I received a letter that compass bank did a loan advance on the equity line and put it in his checking account (which I closed) to pay themselves, so how is this even possible! Checking account closed and equityline was paid off from escrow company! No one will help me to figure this out! DO NOT EVER WORK WITH THIS COMPANY!
Seems they lie to peoples faces as well.. Is the accounts really closed? No one will tell me

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12:00 am EDT

BBVA illegal calls

I have a Compass Credit card that ive been paying on for years. Ive paid down considerably a few times, but now im overlimit and the interest reflects that. I am currently 90 days past due on my payment, for the usual reasons.. trying to make ends meet and that is my lowest priority when its feeding my child or being current with those lovely folks. I also, until recently banked with compass. This was mistake number one. as soon as i am even 30 days past due, they look into my bank records and start calling people ive paid through that account, or have been paid by. I run a small business, and having my accounts contacted because of my debt is needless to say, very embarrassing. I am not one to duck out of a debt. I always pay these people, its just the last thing in a pile of actual current bills that id like to keep above water with. So this woman from the collections department, it seems did research for my name on google or something, found the myspace page for my band and started calling my bandmates to get to me! shocking, no? I know this is very illegal. I called and left her a rather heated message today after hearing that she called my mother in law to try to get to me. I know that its these peoples jobs to get paid, but i cant imagine feeling alright about creating so much extra stress in peoples lives, which in effect has the opposite result they are after it seems. I should be working now, but im so upset over this string of harassing phone calls i needed to find a way to deal with this woman. In my message i told her it was both ineffective and likely damaging to Compass to deal with people this way. I know that they have to call me every 5 days when i am past due, but really, calling people that are friends or family or business associates is far too much! I am hoping that my message will have some effect on the depths this woman will go to to try to embarrass me into paying my bill, which is about $3,000. seems that ol' Julie Camp would have much bigger fish to fry than me. the hours she spends researching my life is pretty insane.
Any advice, other than better foresight?

The other issue is the constant overdraft fees due to the way Compass processes their clients debits and credits. Funny how no matter what time you make a deposit, if you had a debit that day, that clears first. These people have made so much money off me, because of the less than honest way they process transactions. In fact, I can pretty much guarantee that if i hadn't been charged overdraft fees because of their interesting methods, i probably wouldn't be so far behind on my credit card! I switched to Chase because they seem to apply credits and debits straight away.. so far no issues whatsoever with them.. and maybe that will help me get back on top, not having those 2 or 3 $36 overdraft fees every month.. when i think how much they have gained on me... its enough to make me want to give up on finance all together... but ill power on, and once my business is thriving, even somewhat, ill make it clear to them that they lost a customer with their below board methods. Until then, im trying to figure out a way to pay off this debt without ever dealing with this woman...

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exemployee of bank
Albuquerque, US
Jan 28, 2009 1:39 pm EST

I feel compass bank takes advantage of their customers and their employees. They have a manager that tries to dates all the employees and has spread numerous rumors about sleeping with them and the human resources never did anything but promote this manager. Now is this a safe place to work with al the sexual harrasment people get from this manager.

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Amy
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Jun 21, 2008 2:10 pm EDT

Here's how my day started today. I woke up and looked at my bank, here's what I saw:

Date Debit/Credit Amount Balance
06/19/2008 DEPOSIT $100.00 $98.58
06/19/2008 DEBIT FOR CHECKCARD $8.37 $-1.42
06/19/2008 DEBIT FOR CHECKCARD $17.98 $6.95
06/19/2008 DEBIT FOR CHECKCARD $20.49 $24.93
06/19/2008 DEBIT FOR CHECKCARD $65.29 $45.42
06/18/2008 CHECK CLEARED XXXX $30.00 $110.71

As you can see, I started the day with over a hundred dollars. And Compass does what they ALWAYS do, let's take money first and then apply the deposit. I had one purchase that caused me to go over my limit. I was over by $1.42. So, you would think, one NSF fee, right? NOPE I received NSF fees for the entire day's transactions. Fun right? NOPE it get's better. So, I received an email alert as to these new NSF fees while I was in my car driving home. So, I pulled into the bank to discuss this matter. I normally don't bank at the Lone Tree Branch, but decided to today just because it was convenient.

I was told that I was charged the NSF fees because there wasn't money in there. Really, how could I start the day with 110 in the bank, I had 111 in debits clear, and now I'm being charged four NSF fees. So, how could this be. The manager (DON) refused to speak to me or explain how this could be. But did inform me that I would incur an additional 4 tonight because now I'm over drawn b/c of NSF fees. I said no. That's not gonna work. I had money in the bank. I will accept 1 NSF fee, but that was it! I asked for his boss's name and phone number. When I did, the manager became even worse. He did however, go and get the number for me. When he came back, he said, leave or I will call the police. Really, call the police why? Because I asked for your boss's name and number. Let me know how that works for you. I tried to make a deposit to cover the fees. But he would not allow me to make a deposit.

So, I left, and called their 800 number. Talked to a manager there who told me to go to another branch and make the deposit and I would NOT receive fees again tonight. But still couldn't explain to me how I'm being charged for having money in the bank.

So, I proceeded to another branch across town to make there stupid 1PM cut off time for today's business. Here's where the even bigger surprise comes in the manager at the other bank CLOSED MY ACCOUNT without my knowledge. I didn't authorize this and asked how this could be. Compass has a policy that ANY employee can close ANY account at ANY time if they want to. Here's the even bigger kicker, they have 10 days to inform you that THEY closed your account. WHAT. OK, I spent the morning at the Motor Vehicle, and Vital Records, and wrote checks for these and now my account is closed without my knowledge and you are going to return these checks and charge me. How can this even be true. How can they do this without ANY notice? If I didn't go into the 2nd branch, I would have no idea. My paycheck would try to go in next week, I would pay my bills, and have NO knowledge that this was even going on.

Thanks for listening

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Jennifer
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Apr 29, 2008 7:18 pm EDT

I am having the same problem with Julie Camp. Is there anything that can be done?

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Christine
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Jul 15, 2007 10:34 am EDT

Tasha,

I am a collections agent for a major company and I was also a Bank Operations Specialist for 10years with a major national bank. Laws are the same. You need to file a complaint with AZ Dept of Financial Institutions ph#[protected] and the State of AZ Attorney Generals office. They have violated big time GLBA, FTCPA and the Truth in Savings Act. It is against the federal laws for any creditor to disclose or suggest that anyone of there consumers is in debt, has credit problems, or owes money. It is ok for them to 'skip trace' a consumer to find valid contact info, but to search out the extremes as they did is overboard, considering you did provide them with valid info.

Contact the agency I referred you to, banks like Compass thrive on the aspect that people will just 'give up'. DO NOT. It will not cost you a penny to file and you may dispute ALL concerns-if they find your dispute valid Compass may have to reimburse all charges, remove all negative credit reporting, and possibly have to 'eat the debt' on your credit card for 3rd party disclosure and violation of your privacy.

ComplaintsBoard
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12:00 am EST

BBVA bogus late fees!

This company piled on bogus late fees to my credit card bill, I tried to work with them on this mistake, even agreeing to pay off the total bill, minus the disputed amount, but they refused.

They continued adding the late fees to the tune of about 300.00. I eventually had to get the Better Business Bureau involved in this dispute, after this, the company resolved the dispute, agreeing to the original disputed amount, but, they had done damage to my credit with mis-information sent to the credit bureaus.

I explained to them, that since they agreed to the settlement of the original amount, they should also do the right thing and correct the damaging information sent to the credit bureaus. The bank's representatives were very nasty and rude through out my six month ordeal with them, they also refused to correct the mis-information sent to the credit bureaus. Cut throat company, very unprofessional, will never get involved with them again.

Compass Bank, Decatur, AL. 35699, Credit Card Division

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Compass Fool
, US
Apr 07, 2009 6:34 pm EDT

That sucks man.

Compass Bank, Lafayette CO

I am having a hell of a time having them to STOP running a check that was run and posted into the recipients account back in 2007. They have done it 3 times with today being the latest incident. Both prior times that have resulted in crediting the money back into my account after alot of back and forth and my time wasted...for their error. Now they say I owe them $1200.

I am fighting this and spreading the word. Do NOT bank at Compass. I also agree on the lack of professionalism. The CS Mgr acted like I was putting him out.

Booooooooo

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12:00 am EST

BBVA crooked business!

Compass bank is trying to repossess my vehicle - stating that it is a third party or "straw" loan which they are stating is illegal. The story... while in between jobs and my other vehicle failing me my mother purchased a 2005 Dodge Dakota in her name - I am driving the vehicle and making the payments. There have been numerous times that they've stated my payment was late because I did not put on the check the state the loan originated out of - hence charging me late fees - but the loan number and account number were both on the check. Thinking this was all resolved, I mailed my September and October 2006 payment into the bank - the bank is stating that they will not accept my payments because the payment is not being made by my mother who is their customer. I asked for the payoff on the loan thinking I could go get it refinanced in my name through another creditor considering the hell they've been putting me through. I have been paying $483.93 for the past 13 months - totaling $6291.09. They are telling me that of the $6291.09 my loan amount has been reduced by less than $2000.00? Please someone help me do the math here! Plus, if you are paying a loan off early then you by law do not owe the full financing charges - they are stating I still have to pay the full amount of what interest would be owed if I paid the loan out vs. paying it off early. Compass bank is telling me I owe for a payoff almost the full amount of the original loan. This makes no sense! It Is Illegal! Now, here I am a single mother, trying to make payments on a vehicle that Compass bank is saying they are going to repossess for non-payment (they have two checks they refuse to cash because my mother's name is not on them but yet they've taken 13 other checks just like the two they have over the past year). Compass bank is stating the only way I can keep the vehicle is by paying the full amount of the loan which again they are trying to say is only $2000.00 less than what I owed originally! Can someone please give me some insight here? Compass Bank is a crooked business. I think it is time someone stands up to the thieves.

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Michael B
North Litt, US
Aug 13, 2013 1:07 pm EDT
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Not necessarily illegal - you had better check your state's laws.

Most states allow for two types of auto loans - WITH penalty (usually the interest for the entire loan term when paying off early) or WITHOUT penalty - you pay interest "up-to-date"... so when you pay off the loan (or refinance it), you do not pay the interest for the remaining part of that loan.

Unfortunately, you are arguing from a weak position - your name is not on the loan. The bank has no obligation to speak to you at all. Indeed, there are some privacy laws that may actually prevent them from LEGALLY telling you ANYTHING about the loan.

And as far as repossession is concerned - they have no legal grounds so long as the payments are up-to-date. It doesn't matter who the payments are coming from. If they were to repossess the vehicle while payments are current, they would open themselves up to huge liability.

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Michael B
North Litt, US
Aug 13, 2013 1:03 pm EDT
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Not necessarily "illegal" - better check your state laws.

In most states, an auto loan can be one WITH penalties for early payoff (all that interest for the life of the loan, even if payed early), or WITHOUT penalties (you do NOT pay interest for the remainder of the loan term).

The problem is - you argue from a weak position - you are not the account holder. Legally, without your name on the loan, the bank does not have to speak to you at all.

The one point that you do have in your favor (assuming you have posted the entire story) - is that all payments have been made (regardless of who made them). They cannot repossess a vehicle if payments are up-to-date. That could get them in a HUGE pot of hot water.

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12:00 am EDT

BBVA do not open a business account with compass bank

I opened a business checking account with Compass Bank, Florida on July, 2005 and gladly closed to account on March 2006 and this letter is a horrible experience I had with Compass Bank during that 8 months as a business owner. Some of them maybe will blame me for being careless but you be the judge, here is my story line by line;

1- On July 2004, when I opened a both business and personal checking accounts, they told me that is completely a free business checking account but when I wanted to do deposit checks through their drive- through, they denied the service and asked me to go inside the bank to do deposit and said I have to have one of those pre-filled deposit slip forms to use the drive-through service. When I tried to order those pre-filled deposit slips, they asked me to pay for it, I though they said it was free...

2- When I was trying to transfer money from by Business Checking account to my Etrade account. I wrongfully used my personal checking info and boom, no mercy, $108 penalty, no matter how much I tried to lower the penalty, they had no mercy... I felt I am kind of fly felt into a spider's web, and struggling...ouch

3- I moved from Florida to Arizona and Compass Bank said I don't need to do anything rather then an address chance. I did a international wire transfer which was very urgent matter, because the vendor was waiting for my money transfer in order to ship the product. Forget days, hours was important. And once I did the wire transfer, I was told, it will go through next day in the morning because it was after 4 pm and it was not possible for wire to go through that way, which I understood. Next day at 4 pm, Chandler Arizona Compass Bank Branch Manager, John, called at and said there were some problems with my account thus my wire did not go through. I was going insane, I asked him why ? He said" there were some problems and complications". I asked him, What type of problems ? I he repeated same thing "there were some problems and complications", nothing else, eventhough I asked him different questions and I got same answer, he is like a Robot so I got pissed and hung up the phone. No explanations, no apology from branch manager due to their mistake cost money to my business.

4- I had enough with Compass Bank, they were ruining my business and making me insane... so. I decided to close my both personal and business checking account but of course you can not close things right away and easily, so I decided to keep my Compass bank account for a month and slowly move my accounts to Washington Mutual. When I realized I moved pretty much everything to Washington Mutual, I checked my balance on Friday night and withdrew reaming balance on Friday night as well. When I went to Compass bank on Monday to close my account, they said, I owe $170, why? because one of my customer decides to deposit his check after 3 months which I forgot about that completely, and due to my withdrew, I end up paying $70 penalty again due to actives on Friday which does not reflect my account for entire Friday. I tired to explain him the problem that is not my fault but banks fault if they don't update my account on time. I told him I checked my balance on Friday night and did not show any activity and he said, the activities shows on next business day that is Monday. Bank Manager, John, is a GOD DAMM robot, repeated same thing over and over" ouch I am sorry but there is nothing I can do" , and I finally burst out of the Compass bank before I kill somebody and now I am receiving letters from collection agencies threatens my business that I can not open a bank account unless remaing balance paid in full.

If you want to run a smooth business without worrying about your bank and your deposit, DO NOT OPEN A BUSINESS ACCOUNT WITH COMPASS BANK, YOU WILL FEEL SORRY.

Thank you,
Yusuf

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SDR7171
, US
Aug 31, 2010 8:17 pm EDT

My employer used to bank with Frost Bank. I would go cash my checks there at the branch---no charge to me because it was being cashed against a frost account. He recently switched to Compass. Well, now since none of the girls have a compass bank account, they are charging every single one of us $7.00 to cash our checks. (There are 6 of us, we get paid twice a month---that is $84.00 month) just for us to cash our checks on a compass account. HOW STUPID!

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bigdaddy2515
Lewisville, US
Nov 21, 2009 5:50 pm EST

This is the most greedy out for ALL they can get bank in the metroplex! AVOiD these rip off artists at all cost! There are good banks out there that arent out for all they can get from the working class. If you go $1.54 in the negative and make a cash despoit immediately to cover the deficit they will not post that cash deposit until the next business day, then they post their $38.00 NSF fee before allowing the deposit to post, thus cause 3 more NSF fees to your account. This is the most greedy, out for all they can get bank I have ever had the displeasure of doing business with. They will go out of business and take the greedy Spaniards down with them! AVOID these robbers at all cost!

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Russ
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Dec 04, 2008 1:51 am EST

It's a horrible bank. They set their customer's up for failure and try to thrive off the negative.

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Rolando Mota
,
Nov 12, 2008 6:45 pm EST

COMPASS SUCKS ###, I'VE PAID OVER $400 IN NSF CHARGES AND THEY REFUSE TO UNDERSTAND THAT IT'S THEIR FAULT. THIS IS NOT A BANK, THIS IS A ROBBERY IN PROGRESS AND EVERYONE IS DOWN ON THE FLOOR. FOR COMPLAINTS PLEASE FEEL FREE TO CALL "ANA" THE COMPASS [censored] AT [protected] AND GIVE HER A PIECE OF YOUR MIND!

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danny carpenter
,
Jan 22, 2008 2:36 pm EST

And I thought it was just me. Compass got me for over $300.00 in fees that started with an unauthorized Redbox rental debit. Like most people I dont go online daily to check my account. The amount initially that started it was...$1.07!I had no clue so I made a deposit and kept on using the card for small purchases like soda, gas,etc. They will keep honoring the debit card as a favor(ha!) and charge $38.00 each time and double it in six days! They absorbed the deposit for fees and then kept on charging me $38.00 each time til I got back online and realized the horror! It's now over $400.00! their answer is I should have read the contract! NO...they should refuse the damned card if it is going to overdraw the account. I will risk the embarrassment...

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Riley P. Turner
,
Apr 04, 2007 11:38 am EDT

I too have had a lot of trouble with Compass Bank. Their deposit, and posting policies are all designed in favor of the bank, and not in favor of the customer. For example, if you have a balance of $20, and you write a check on Tuesday for $5, and then the $50 automatic withdrawal for your car insurance comes out on Wednesday (2 days earlier than normal), and then you deposit $35 to cover the overage, plus $38 to cover the NSF charge, plus $5 to cover the check you wrote on Tuesday ---NONE of your deposit will post until midnight (even if you make it at 8:01 on Wed morning). So, if the $5 check you wrote on Tuesday clears before midnight, you are stuck with another NSF charge of $38! Nevermind the fact that the bank has your money! Nevermind the fact that you have given them enough money to cover all your debts! Since it doesn't POST until midnight, you are out of luck if something else comes along and is "pending" before midnight!

As soon as all my automatic payments and other stuff clears, I am closing my Compass account. I've already opened an account at a locally owned bank, so I don't have to deal with Compass' mess! Besides, I hear that they have sold out to some bank in Spain. I don't want a big corporate bank in the US handling my money, much less one in Spain!

Valerie
Valerie
, US
Dec 11, 2006 6:22 pm EST

Compass bank charged several incorrect late fees on my credit card bill, I told them this was incorrect and that I would pay the balance off if they would remove the late fee charge, they refused.

I tried to get them to work with me over a period of six months, they continued pileing on the late fees adding about 300.00 in bogus charges.

Compass Bank refused to work with me and forced me to get the Better Business Office involved in the dispute. Compass eventually corrected their mistake,agreeing to the original amount owed but sent damaging information to the credit bureaus, thus doing damage to my credit.

They refused to correct the damaging information sent. The company REP'S that I dealt with were very unprofessional and rude, they have very nasty tactics when dealing with people, but they are all very nice when trying to get the consumer to use their credit cards.

I know they are a very large and established company, but word of advice, this is a nasty greedy, cut-throat company, do dot get involved with them.

Compass Bank-PO Box 2210, Decatur, AL. 35699

ComplaintsBoard
R
12:00 am EDT

BBVA compass is driving me to a nervous breakdown everyday

I have run into some financial difficulties have turned compass over too a settlement co. I have asked Jeremy from compass to cease calling me at work or I will lose my job he does not care and calls me everyday. Also breking the rules by calling at 7:30 in the morning I have shut off my phone and cable
And internet, Compass is driving me to a nervous breakdown everyday 3 to 4 times I need someone to help me,i am trying to get back to my feet but compass knock me down. That said they will call me anytime and any place. I have just recently found that I may be bipolar currently undergoing medical treatment for such. Can't explain to Jeramy he is so rude and if I lose my job where I have been for 8 years then I might as well live under a bridge. Help me if you can.

Compass bank - [protected]
Name Jeramy

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Momey
, US
Aug 28, 2018 6:26 pm EDT

They closed my account I can't get my tax refund and my weekly pay check.

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Organizational Consciousness
Scottsdale, US
Feb 18, 2010 12:40 pm EST

THIS PREDATOR HAS FOUND A NEW WAY TO PREY !
Shocking that for so long COMPASS BANK has gotten away with outrageous banking precedures that line their pockets as they steal daily from their depositors through the process of debits first and then deposits causing overdrafts... HUGE OVERDRAFT FRAUD! Shocking as well is the number of compliants on the internet and this fraudulent practice has not gotten the attention of the Federal Banking Commission. Now that the mortgage fraud has so much light on it, THIS PREDATOR HAS FOUND A NEW WAY TO PREY!
TERRIBLE! CRIMINAL! ABUSIVE!
COMPASS BANK debited $5 each month from my savings account for (fees?) each month until the account was empty and then charged fees for an empty account and then charged another overdraft fee for that!
This bank is a SLOT MACHINE ... putting money in and none comes out!
LOOK OUT! YOU HAVE BEEN WARNED!

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Fud
, US
Oct 04, 2009 8:10 pm EDT

Write a cease and desist letter. Example: This is a cease and desist letter stating that you stop all phone calls to my home and employer.

Under Federal Debt laws. Buy something to record the phone calls and if they are calling your cell phone get a detailed list of calls that will show calls coming in at different times.

You can sue them under federal law starting at 500, 000 and up for unethical practices. We are going to sue for unethical practices with another institution. It is ridiculous.

Document, document, document. Have another employee as a witness or manager listen in to testify for you to prove they are harassing. Make sure you send this letter certified so you will have proof they received your request. They will send a letter back, or should stating all calls made to the numbers you listed will no longer take place.

GOOD LUCK!

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Christine
,
Jul 15, 2007 11:02 am EDT

Richard,

In accordance to the FTCPA (Fair Debt Collections Practices Act) which is governed by the FTC and is also mandated by ANY crediting agency(ie. banks, merchants, schools, etc... ) no creditor can call any consumer regarding anything (unless specifically told to do so by the consumer) prior to 8am or after 9pm at the consumers time zone. Also, if specific times for contact were provided by the consumer, that is the only time any creditor can call. Further more most states have exact laws on contacting a consumer at work, and the most any state allows is 2 times a week IF THERE ARE NO OTHER VALID CONTACT NUMBERS!

If at any time the consumer and/or the place of employment states do not call-especially if the calls will jeopardize their jobs, the creditor must cease all calls immediately and list as such.
Contact AZ Dept of Financial Institutions at [protected] or [protected] and the AZ State Attorney Generals office to file a formal complaint.

I am a collections agent for a national collections agency and I was a bank operations specialist for 10 years with a major interstate bank. I too have a plethora of problems with Compass. They will continue to screw people, they practice 'breakage' techniques. This is where they will bounce you between departments to resolve issues, then never come through on promises, illegally charge NSF, OD and service charges because they figure the consumer will become frustrated and 'give up'. Bank rule #1 there is no problems with anything until someone says there is. Please file a complaint-either agency will walk you through the how too's.

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Phone numbers

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Website

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