BBVA FINANCIAL CORPORATION

2015-04-19

Corpus Christi, TX

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-17

Long Beach, CA

Other

Credit card:

Complaint: On XXXX XXXX, XX/XX/2015 I applied for the BBVA Compass Bank XXXX credit card. The following morning, I was contacted to verify my name, address and social security number. On XXXX XXXX I received a letter stating the terms and conditions and balance transfer checks. On XXXX XXXX the card came, which I activated at that time. The next day I attempted to make a purchase which was declined. When I contacted BBVA I was told the account was under review, but not given any time frame or further explanation from the Bank. On XXXX XXXX I was advised by a CSR that my account has been closed because they were unable to verify my identity.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-15

Sun, AZ

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-08

OK

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-08

Magnolia, TX

Taking out the loan or lease

Consumer Loan: Installment loan

Complaint: In early XXXX 2015, I entered Compass Bank to do business. The counter agent solicited business. I was redirected to XXXX XXXX, XXXX Representative. XXXX XXXX attempted to increase my home equity line of credit ( HELOC ). In doing so, she opened both a checking account and credit card account. I strongly protested to both immediately. She advised that the checking account was a requirement of all " new '' HELOCs, which is what would occur if my limit is increased. I was not aware that the credit card account was not closed until I received a statement a few weeks later. In the meantime, I did not want to go through the changes the bank required to increase my HELOC. On XXXX XXXX, I advised XXXX XXXX I was no longer interested. At the same time, I instructed her to close the checking account ( and any other accounts ) opened in relation to this HELOC application. When I received statements, banking and credit, I realized that nothing had been done. I reached-out to XXXX XXXX on a couple of occasions with no luck. When I sent her an email inquiring about her availability to assist, she established contact. Unfortunately, she failed to follow through. She did not close either account and I have called customer service to do so. Today, a week later I find out that the checking account can not be closed via phone unless it is at a XXXX balance ( sounds crazy to me ). Last week, they told me that my balance would be returned less a service charge. I was unhappy to hear that I have to pay to close an account I never wanted. When I was advised that I HAD to open a checking account, the minimum amount required to open was {$25.00}. I have already lost {$3.00} due to the monthly service charge. We are over 60 days and I can not get this checking account closed, just confirmed credit card account closed XXXX XXXX per my request yet I can not get this checking account closed. I have spent a considerable amount of time with Compass Bank. This reminds me of a time, not long ago, when you entered a mobile phone company 's establishment to browse and would leave to realize later that your mobile provider had been changed. The term used then was " slamming. '' Even electric companies practice slamming. I feel like I have been slammed by Compass.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-07

Lewisville, TX

Deposits and withdrawals

Bank account or service: Checking account

Complaint: For XXXX and XXXX charges was charged XXXX dollars in over draft charges
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-06

Del City, OK

Closing/Cancelling account

Credit card:

Complaint: On XXXX XXXX, 2015, I applied for a BBVA XXXX XXXX on XXXX XXXX, 2015, I was contacted by the BBVA underwriting department letting me know that I was approved and they told me my credit line was {$20000.00}. A few days later I called to do a balance transfer and they told me that my account was closed due to security concerns but would not address the reason why. Up until this present time I have not received an explanation as to why my account was closed. I have attached a copy of the email as proof of BBVA opening my account.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-02

Jacksonville, FL

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-02

Big Spring, TX

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-01

Kennesaw, GA

Deposits and withdrawals

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-03-31

CO

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I opened checking and money market accounts at BBVA Compass bank with online access in XX/XX/XXXX. I logged on to the accounts for several months ; however, in XX/XX/XXXX BBVA 's web page asked that I agree to a XXXX page " Electronic Communications Agreement '' and a XXXX page PDF, dated XX/XX/XXXX, " Agreement and Disclosure Statement for Online Banking '' to be allowed to access my accounts on line. The XXXX paragraph stated, " YOUR ATTENTION IS DRAWN TO THE ARBITRATION AND WAIVER OF JURY TRIAL PROVISIONS IN SECTION 8.F. IF A DISPUTE ARISES BETWEEN US, YOU OR WE MAY REQUIRE THAT IT BE RESOLVED THROUGH ARBITRATION, RATHER THAN THROUGH JURY TRIAL. " My complaint is that requiring consumers to agree to a complex statement which applies to both commercial and consumer accounts is an unreasonable and inappropriate business practice. I am not an attorney and the extent that banking is controlled and hassome public value, how can I judge whether a relationship governed by 103 pages of bank legalese relative to the complex process of accessing, protecting and moving funds, is fair to me as well as to BBVA. I have told BBVA 's local branch employees of my objections. I am managing my accounts directly with the local branch, and I have fair online banking agreements with credit unions, and XXXX XXXX ; yet to whatever extent CFPB can prod BBVA and the banking industry to be more open and fair will be a service to everyone. Thanks CFPB
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-30

Macclenny, FL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: XXXX Loan inception. Was assured that twice monly partial payments were permitted. XXXX Divorce. He signed quit-claim. Bank would not remove hime from loan unless refinanced ( would not restructure ). Did not qualify for refinance. Tired several times. XXXX was told that the only way they could restrudture was to allow loan to go into foreclosure. XXXX Bank neglected to pay homeowners insurance from escrow. I was not notified. Bank forced surplus insurance. XXXX to present. On and off calls to bankd re : insuance. Was told I had to wait until renewal to replace surplus with my own insurance. Meanwhile, I moved XXXX times and did not receive any notice. Present : Multiple calls and letters to bank. Some respnse that someone would reseaach, but no followup. The latest was XXXX XXXX at XXXX ; fter no word or return calls for XXXX weeks, found that he was no longer with company. Loan was about to be foreclosed. XX/XX/XXXX XXXX XXXX XXXX approved foreclosure. She noted tht there were over XXXX file notes that not her concern. Foreclosure due to non-payment for over 108 days. I HAVE NEVER MISSED A PAYMENT. She is responsible for the forecloser if not paid by XX/XX/XXXX. There are no errors on the part of the bank. I have bank statements and have also provided over XXXX years of accounting trying to track my payments. I filed an insurance/escrow research request with the bank. The loan is scheduled for foreclosure tomorrow.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-27

Ruskin, FL

Managing, opening, or closing account

Prepaid card: Government benefit payment card

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-27

Ruskin, FL

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-27

Frisco, TX

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-26

Santa Monica, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-03-26

Hurst, TX

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-25

Lewisville, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I am receiving calls ( XXXX ) a day from BBVA Compass and have told them on the phone and in writing I am not XXXX XXXX ( my name is XXXX XXXX ) and to please stop the barrage of calls. They clearly do n't believe me and another person may call within hours, most certainly days. I should n't be getting calls all evening and I have an XXXX shift and head to bed early around XXXX. Weekdays, weekends, they do n't believe me and wo n't stop. What do I do?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-24

Arlington, VA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: Compass Bank had the XXXX lien on my property located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The property went to foreclosure in XX/XX/XXXX. XX/XX/XXXX XXXX, XX/XX/XXXX was the last reported date on my credit report revealing I was XXXX days past due. However, it was reporting that I had a monhtly obligation of {$23000.00}. This was reflecting in my monthly DTI at the present time. I disputed this information through Experian in late XX/XX/XXXX XX/XX/XXXX when my Credit Score was XXXX. I have been rebuilding my credit since the foreclosure and imagined that this erroneously large monthly obligation 's removal would only help me. Instead, Compass Bank eliminated the monthly obligation and updated the status to a charge off as of XX/XX/XXXX XX/XX/XXXX. I believe that Compass Bank exercised neglience in FAIR reporting in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and now I 'm being penalized again, for an event that I was already penalized for. This is duplicative penalization and all my rebuilding appears to be futile as my credit score in one month has dropped significantly, down to a XXXX. This is worse than it ever was during foreclosure proceedings and post-foreclosure reporting. Please help. This is negligence on Compass Bank 's end and I should not have to be burdened again.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-23

Adams Gardens, TX

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-21

Bellaire, TX

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Through unfair business practices Compass bank has changed the life-time NO-FEE contractual terms of my business checking, and started charging monthly fees, all without my consent, and have completely failed to notify me of any changes whether by email or by paper mail or by phone. As a result the unauthorized fees caused my account balance to go down without my knowledge, which in turn caused NSF charges, generating improper funds for the bank. Upon finding out of the problem I immediately went to a Compass bank branch which suggested I call a phone number for assistance. I demanded to talk to a person who acknowledged that her bank did not notify me of changes to my account no-fee terms, but refused to resolve the issues. I demanded that Compass bank reverse all improper and unfair fees and charges, that Compass bank return my original fund and close my account at once. The lady Compass bank executive I talked to refused to close my account, stating that I must pay all the accumulative fees and charges first, and that those charges will continue accumulating indefinitely even while the account is in dispute.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-03-19

Longview, TX

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-03-19

San Antonio, TX

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-18

Mc Kinney, TX

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-17

Denver, CO

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response