BBVA FINANCIAL CORPORATION

2019-07-29

La Tijera, CA

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Company Response: Closed with explanation

Timely Response

2019-07-27

San Gabriel, CA

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: I opened a new account with BBVA. I received my new account/TISA disclosure when I opened the account. Approximately two weeks later I went to process an external transfer and noticed I would be charged a {$3.00} fee. I reviewed by TISA that was provided at the time I opened by account and it DID NOT disclosure this fee. By not knowing this at the time of opening my account, the Bank did not provide me sufficient information to assess my desire to continue with opening the account. This is unfair ( mis-leading ) and a deceptive practice to get people to open their account and then BANG charge them fees to access or move their money out of the Bank without proper disclosing it when the account WAS OPENED.
Company Response: Closed with explanation

Timely Response

2019-07-26

Smyrna, GA

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-07-26

Arlington, TX

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-07-26

Evergreen, CO

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Company Response: Closed with monetary relief

Timely Response

2019-07-26

Hellertown, PA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with monetary relief

Timely Response

2019-07-25

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Deposits or withdrawals
Company Response: Closed with explanation

Timely Response

2019-07-25

Anaheim, CA

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Ca. XXXX BBVA Compass Bank XXXX XXXX XXXX XXXX, Alabama XXXX RE ; Dispute debit for XXXX XXXX checks never received XX/XX/XXXX for {$23.00} RE : Dispute of {$3.00} Paper Statement Fee XXXX RE : Filing of complaint against BBVA to Federal Consumer Protection Bureau This is to document and its our intention to file small claims action ( without Court trial ) which will circumvent arbitrarily mandatory disput resolution section of deposit account agreement ( waiver of jury trial ) Thus will satisfy the thirty ( 30 ) day requirement to notify entity of intention of California civil tort process and opportunity of entity to satisfy disput ( s ) prior to commencing of court action. We hereby document that we NEVER received checks ordered directly thru BBVA on or about XXXX ( ATTACHMENT # A ), to wit, the exclusive entity used by BBVA, XXXX XXXX checks, thus BBVA is the exclusive entity who is the catalyst and conveys and is the official gatekeeper and facilities such ordering and thus is the primary contact and facilitator of such checks. Thus BBVA is the primary entity to sue in the California Court Systems for failure to receive the benefit of the bargain in any tort action ( s ), thus we have and offer, acceptance, consideration and damages, to wit, consumer never received the benefit of the bargain, said 100 checks ordered XXXX that BBVA say was submitted and delivered when in fact, consumer never received checks, thus leaving consumer to go elsewhere to order checks, and consumer has damages, plus court fees, and fees relating to contacting bank and correspond accordingly to document same. Thus, we are notifying officially in writing to BBVA to return funds accordingly to satisfy damages to consumer above. In addition, we have notified Consumer Financial Protection Bureau ( CFPB ) and filed an official complaint against BBVA, whereas they have their own investigation that has commenced to receive official documentation and response by BBVA. In addition, a separate complaint was lodged by consumer above against BBVA for a {$3.00} Paper Statement fee consumer did not want that was issued on XXXX, that was not clearly disclosed upon origination of checking account. When consumer notified via email to BBVA, we acknowledge accordingly that BBVA did eventually reverse on XXXX, that the Paper Statement Fee of {$3.00} was reversed, and it was stated in a voice mail message on XXXX and email that consumer above can change provisions on line to change or opt out of paper statement fee. However, this is an inaccurate statement as consumer above, tried on XXXX to change and opt out of both the Checking account and Money Market account online to Opt Out of the Paper Statement Fee, however, consumer above was prevented to complete such change as advised to call BBVA for processing. Since it was after normal business hours and 3 hours ahead on the East Coast, consumer decided to file a formal complaint on this as well, as it appears adamant that BBVAs intentions is to prevent consumer above to opt out, and thus cause additional ongoing harm to consumer by arbitrarily continue to change a {$3.00} monthly paper statement fee, in an attempt to gain profit and pad their bottom line. This action harms the consumer therefore it is actionable by both the Federal CFPB and via California rules of civil redress, via California Dept of Consumer Affairs and California Business and Professions Code, and California Code of Regulations, as BBVA is authorized to conduct business herein California, thus in addition to Federal Rules, BBVA, a Federally regulated Banking entity, entrusted to commence Banking, across State Lines is also regulated under California rules and regulations. As such, Consumer above, has rights to file a complaint ( s ) accordingly to both regulatory agencies and purse a civil action herein in California as stated above, any additional harm in charging additional {$3.00} Paper Statement fee is actionable because BBVA is preventing consumer to Opt Out we hereby also charge consumer will be harmed accordingly if this situation will not be rectified forthwith by BBVA. As such, we will suspend, any civil action for redress accordingly ; however, we are pursing both California and Federal complaint processes against BBVA accordingly. We trust that BBVA will address these complaint ( s ) accordingly in writing forthwith. XXXX XXXX Cc : CFPA Cc : California Dept. of Consumer Affairs Cc : Law offices of XXXX XXXX Cc : XXXX XXXX XXXX, California Superior Court Cc : Case File
Company Response: Closed with explanation

Timely Response

2019-07-25

Oxford, GA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Company Response: Closed with explanation

Timely Response

2019-07-24

Santa Monica, CA

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-07-24

New River, AZ

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with explanation

Timely Response

2019-07-23

Damascus, OH

Closing an account

Checking or savings account: Checking account

Can't close your account
Company Response: Closed with explanation

Timely Response

2019-07-23

Birmingham, AL

Managing an account

Checking or savings account: Other banking product or service

Funds not handled or disbursed as instructed
Complaint: Beginning XX/XX/XXXX, my Mother set up 3 generous Indenture trusts for my XXXX children, via Compass Bank. She made Compass and I co-trustees each account. Neither myself or then spouse XXXX XXXX donated to trusts. My spouse never showed interest in viewing the Compass monthly summaries, though I would have loved for him to! The trusts were never my money and therefore not divisible in our final year of divorce, XX/XX/XXXX. In XX/XX/XXXX Compass trust officer Mr.XXXX indicated to me by phone that the XXXX Court was pressuring him to make the trust of our youngest-XXXX- a marital asset. Mr. XXXX called me one day in tears, around end of XX/XX/XXXX, saying the Court had him fired for approving a car expense for XXXX. Her used XXXX, by the way, proved indespensable & the portion from her trust to pay for it was only due to XXXX XXXX not paying his court ordered payments on her car. XX/XX/XXXX became awful " trust wise. '' After 26 years of being co-trustee, sending my XXXX older children thru college with trust money at the end of their finishing college, XXXX court added a seemingly innocent addendum to our FJOD, XX/XX/XXXX.The additional order said XXXX XXXX could view the trust, but, in reality, I was stripped of my half control of trust, my half given to spouse, against the trust contract & my mother 's wishes. I still got monthly summaries, but tuition bills were set to automatically withdraw from the trust without my seeing them, which I didn't agree to, and my daughter was told to ask for funds from Trust Officer XXXX XXXX, or from XXXX 's formerly uninterested father, XXXX XXXX, all without my knowledge, as opposed to asking me.Basically I had no idea how my Mom 's gift was being spent until after the fact.Therefore I can not trace payments to her account as valid. At age XXXX, with two years of college left, XXXX received, supposedly, the principle & income of her trust. I have contested that disbursement as not being her true principal with AL Banking Dept, who ruled favoring Compass. Al Banking Letter stated Compass had no.choice but to obey " XXXX '' order. Other Banks in this situation have tried to educate Court on stringent UTMA rules. One bank even appealed in court and won. An UTMA is not a marital asset, especially when it's third party.Compass did zero to contest the judicial order and protect XXXX 's asset. Compass fired the Trust Officer MrXXXX XXXX who agreed with me something illegal going on.The Banking Dept Letter cited a credit/debit log to prove no money taken, a log just like a normal checking account cited in their report. That's a problem : a trust should not run like a checking account, funds should be invested & grow.The log showed, according to the letter, funds spent correctly, even though not a true accounting : no records of my daughter 's requests for money & no proof of receipt given. It takes more than a simple log to prove no trust malfeasance.If there was more proof I did not see it. The missing principal at disbursement was cited by XXXX XXXX as " just closing trust '' and the " XX/XX/XXXX taxes '' of {$1400.00} -that said exactly what they were,XX/XX/XXXX taxes-were not really XX/XX/XXXX taxes at all. I disagree.Concerns : ( 1 ) XXXX never received principal of {$15000.00} She should have received the {$1400.00} included in the {$15000.00}. XXXX 's trust supposedly " closed '' with receipt of {$7300.00} on XX/XX/XXXX. Trust did NOT close XX/XX/XXXX, as the {$1.00} interest on XX/XX/XXXX was not given to her on XX/XX/XXXX but changed to " fee '' status on XX/XX/XXXX, swallowed up with rest of bank fees. Compass stole that tiny interest, {$1.00}, it's still wrong! On XX/XX/XXXX, the {$14000.00} principal -as shown on " statement of assets '' -dated end XX/XX/XXXX, bottom of page, and {$1400.00} ( tax rate 10 % on {$24000.00} for whoever stole her money ) are added to make the final stolen principal of {$15000.00}. Adding principal and illegal personal tax reimbursement together equals {$15000.00}. The principal on XX/XX/XXXX is about {$400.00} less due to devaluation : {$15000.00}. ( 2 ) Why wasn't XXXX was advised on how to handle a nice NOL {$3900.00} when trust closed, after all she paid over {$1000.00} in fees! ( 3 ) Why not advise her of excess deductible bank expenditures listed on K1? I couldn't advise because I never saw these details prior to XXXX XXXX letter : excess deductions {$440.00} and {$570.00}. ( 4 ) Why is trust principal not on " account snapshot '' page but always further back on " transaction summary '' page? Transaction Summary page is just a log of transactions. Was the principal invested AT ALL? If majority of trust principal is set aside, uninvested, the bank fails in honoring their agreement with my Mother, XXXX XXXX, enacted XX/XX/XXXX & there -explained- is ( 5 ) the trust 's amazing financial losses : its making only a few dollars of income per year.
Company Response: Closed with explanation

Timely Response

2019-07-23

Dallas, TX

Trouble during payment process

Mortgage: Home equity loan or line of credit (HELOC)

Company Response: Closed with explanation

Timely Response

2019-07-22

Merced, CA

Managing an account

Checking or savings account: Checking account

Cashing a check
Company Response: Closed with explanation

Timely Response

2019-07-21

Hghlnds Ranch, CO

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Company Response: Closed with explanation

Timely Response

2019-07-20

Oceanside, CA

Opening an account

Checking or savings account: Checking account

Unable to open an account
Company Response: Closed with explanation

Timely Response

2019-07-20

Chicago, IL

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
Company Response: Closed with explanation

Timely Response

2019-07-20

Oceanside, CA

Opening an account

Checking or savings account: Checking account

Unable to open an account
Company Response: Closed with explanation

Timely Response

2019-07-20

Cleveland, OH

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Company Response: Closed with explanation

Timely Response

2019-07-20

Cleveland, OH

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Can't close your account
Company Response: Closed with explanation

Timely Response

2019-07-19

Budd Lake, NJ

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-07-19

Oxford, GA

Managing an account

Checking or savings account: Other banking product or service

Problem making or receiving payments
Complaint: I have a money market account with BBVA Compass. I have tried to make online transactions to transfer money out of my account on several occasions. The transactions do not process, and BBVA has no explanation on why the transfers are being refused nor are they assisting me. They state that I simply need to schedule the transaction again, however each and every transaction scheduled fails without an explanation. Efforts to reach their corporate department have failed. BBVA does not have any branches in GA, which is where I live, so I can not meet any representative. I am an XXXX and planning to file a lawsuit against them. I have $ XXXX in the money market account and can not get any money out. I have also sent a notarized letter asking for the account to be closed and the funds to be transferred to me. BBVA is refusing to close the account. In addition, under their disclosures of opening a money market account, BBVA does not clearly disclose that there is a monthly limit of {$7500.00} to transfer funds out of the money market account. They only disclose a maximum of 6 monthly transactions but not a monetary cap. This is a deceptive practice and they were unable to point me to a disclosure discussing the dollar cap.
Company Response: Closed with explanation

Timely Response

2019-07-19

Bradenton, FL

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-07-19

San Diego, CA

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Company Response: Closed with explanation

Timely Response