BBVA FINANCIAL CORPORATION

2019-03-07

Peoria, AZ

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Closed with monetary relief

Timely Response

2019-03-07

Burlingame, CA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: I opened an account with Simple ( an online bank ). They sent me a debit card and asked me to fund the account. I deposited {$2000.00} in the account and started using the debit card. One or two days later, they froze my account and ask me to submit sensitive documents online ( picture of social security card, bank statements, etc. ) I said that I was not comfortable doing so and would like to close the account. They replied saying that I can not take any action before verifying my identity. Two years later, the funds are still sitting in the account and I have no way of withdrawing them. tldr ; funded an account only to have my money frozen for more than two years with no way to get it back without uploading a copy of my social security card online.
Company Response: Closed with explanation

Timely Response

2019-03-07

East Lansing, MI

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Company Response: Closed with explanation

Timely Response

2019-03-07

South Florida, FL

Problem with a credit reporting company's investigation into an existing problem

Vehicle loan or lease: Loan

Problem with personal statement of dispute
Complaint: My auto loan with BBVA Compass Bank has missed payments. After some hardship, I caught up on payments and have made on-time payments with no late payments since. I appealed to BBVA Compass to remove the late payment remarks out of goodwill to help my credit. This assistance will help me in building proper credit and continue with my responsible habits.
Company Response: Closed with explanation

Timely Response

2019-03-05

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Installment loan

Company Response: Closed with explanation

Timely Response

2019-03-04

Albuquerque, NM

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-03-04

New Brockton, AL

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Company Response: Closed with explanation

Timely Response

2019-03-03

Cleveland, OH

Other features, terms, or problems

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

Problem with rewards from credit card
Company Response: Closed with explanation

Timely Response

2019-03-03

Winton, CA

Incorrect information on your report

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

Account status incorrect
Complaint: I have went into the bank 4 times and called 7 times.. the bank shows my account open and over 30 days late twice. Once onXXXX and once in XXXX which is not accurate. I closed the account on XX/XX/XXXX. The only late payment was in XXXX. Which was never reported. This inaccuracy has lowered my credit score over 80 points. I am I am in the middle of escrow on a home loan and this is making me in eligible. They REFUSE to correct this!!! I am going to lose my deposits and home loan due to their mistake!!!
Company Response: Closed with explanation

Timely Response

2019-03-01

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Company Response: Closed with monetary relief

Timely Response

2019-03-01

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with explanation

Timely Response

2019-02-28

Briaroaks, TX

Closing on a mortgage

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

Company Response: Closed with explanation

Timely Response

2019-02-28

Santa Ysabel, CA

Closing an account

Checking or savings account: Checking account

Can't close your account
Complaint: I walked in the BBVA Compass Branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/2019 and requested to close my checking account. I had a small amount of money in the account which I withdrew, and verified with the teller that my account was closed out. About a week later I receive an overdraft letter, then another, and another. So I go online and log into my old account, which I should not have been able to access since I was told it was closed! Low and behold I get in and there is XXXX worth of charges and overdraft fees. One was a ACH from a CC that must have gone in under the radar, but the rest were debit payments that should never have been paid. My debit card should have been shut down the minute I requested to close this account. ALL debits should have been denied if this account was closed. I was in the process of switching everything over so I would have dealt with any loose ends or merchants on my end. When I contacted Compass I was told that they re-opened my account when the ACH went through the next day, and that I have to wait 30 days for it to be completely inactive. Um I never gave them permission to re-open my account, and when I was ther in person to close my account they NEVER mentioned any of that. This bank preys on people with overdraft charges, which is the primary reason for my wanting to close this account because of past issues with them.
Company Response: Closed with explanation

Timely Response

2019-02-27

Discovery Bay, CA

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: I submitted a complaint about this bank reordering transactions to trigger multiple overdraft fees, that was resolved and less than a week later they've done it again. I have FIVE overdraft fees when only one is legitimate. I have screen shots of the original order. That's almost {$200.00} gone and I can't even afford to buy food now. This bank needs to be investigated! Every other financial institution who has been caught doing this was forced to stop but somehow they're still allowed to do it. How many people are losing hundreds of dollars thinking they have no recourse because BBVA 's customer service will NOT help you and they tell you there is no direct line to their corporate office. I'll be turning off my overdraft options until I find a new bank but they need to be stopped.
Company Response: Closed with monetary relief

Timely Response

2019-02-27

Bess, AL

Opening an account

Checking or savings account: Checking account

Confusing or missing disclosures
Company Response: Closed with explanation

Timely Response

2019-02-27

Effingham, KS

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Complaint: The vehicle was in a accident in which XXXX refused to cover a valid claim. Damages were paid for out of pocket and since those funds were usually allocated for payments the funds XXXX did send were signed over to the bank. XXXX has underpaid the claim and I am still awaiting the rest which would have brought the balance current. The bank has now charged off the vehicle even though XXXX owes the balance due to fix it which was paid by me and would be sent to the bank.
Company Response: Closed with explanation

Timely Response

2019-02-27

Hanceville, AL

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

2019-02-25

Winnsboro, LA

Problem with a credit reporting company's investigation into an existing problem

Vehicle loan or lease: Loan

Their investigation did not fix an error on your report
Complaint: The derogatory marks on my credit report is blemishing my credit report which prevents me from obtaining the credit that I deserve. I have made several attempts to resolve this issue by asking XXXX, XXXX, and XXXX to remove late and missed payments.. The only responses were from auto generated letters stating that the accounts are valid. Under The laws of FCRA I have the right to dispute the validity of these accounts and proof from the credit bureaus must be given upon request.
Company Response: Closed with explanation

Timely Response

2019-02-25

Pasadena, TX

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

2019-02-23

Jupiter, FL

Trouble using your card

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

Credit card company won't increase or decrease your credit limit
Complaint: I got a credit card from BBVA Compass and the limit was {$6000.00}. I filed a dispute about a transaction I didnt recognize and they put the credit back to my account. My card was stolen so they sent me another card when i checked my account they took the money back that they already credited before, and their respond was the system did it because I changed the card and they will continue with the dispute. I called again to check and one of the employees told me that they won't charge me any late fees and they will put the credit back within 48 hours, but that didn't happen and they charged me late fees twice. Then they decreased my limit from {$6000.00} to XXXX without informing me before they did it because I wasn't aware in that time about the late fees they charged me. Decreasing my limit affected my credit score and it went down 130+ points. And I'm now trying to move to a new apartment and getting a new car and I can't do that because of their fault. And when I called they told me they can't increase my limit and I have to apply again for me to increase it and no guarantee for acceptance, and it's my fault I didn't pay on time even I owe them nothing.
Company Response: Closed with non-monetary relief

Timely Response

2019-02-22

Jupiter, FL

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: Ran a credit report via XXXX on XX/XX/XXXX as I have been working hard to repair my credit from past mistakes. While reviewing it, I came to realize that XXXX XXXX has been running soft inquiries on my credit NON STOP for the last two years. When I say non stop, it is not an exaggeration. Pretty much once a week for the last two years straight. I can not stress the next statement enough ... I have NEVER applied for any sort of credit with XXXX XXXX in my entire life. Not once. Not a credit card, business credit card, loan, ANYTHING. I attempted to contact them for more information and to put a stop to it and got absolutely nowhere. Their outsourced customer service just repeatedly asked for my social security number AKA the last thing in the world I would be giving out over the phone in order to " look into it further ''. I offered just about any other piece of information to help them put an end to this until a supervisor at XXXX XXXX told me " we can't help you. Go file a complaint with the Credit Bureaus ''. So here I am ... and I'm furious. Below is the exact information I found on the XXXX credit report I ran on XX/XX/XXXX under the " SOFT INQUIRIES '' section related to this issue ... XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX ( XXXX ) XXXX Again, at no point in my entire life did I apply for ANYTHING related to XXXX XXXX. Not once. Let alone 75+ times that they have performed these inquiries. This HAS TO BE STOPPED. I am attempting to repair my credit to secure my next car as well as purchase my first home in the next year. Things like this are going to be what holds me back and it's a joke. There are additional erroneous soft inquiries on my credit that I have ABSOLUTELY NOTHING TO DO WITH. Those are listed below ... XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX COMPASS BANK Inquired on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NH XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX There is plenty of activity on my credit report that is TRUE & ACCURATE but none of what I have copied and pasted above is true OR accurate! My credit score has SUFFERED as a direct result of all of these bogus inquiries and I want justice
Company Response: Closed with explanation

Timely Response

2019-02-22

Cleveland, OH

Trouble using your card

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

Can't use card to make purchases
Company Response: Closed with explanation

Timely Response

2019-02-21

San Antonio, TX

Problem with a purchase or transfer

Credit card or prepaid card: General-purpose prepaid card

Card company isn't resolving a dispute about a purchase or transfer
Complaint: Simple bank did not resolve my dispute from purchase where someone stole my money and would not give it back. I had called them because the situation is as followed : I was paying a person off cash app for goods that i was suppose to receive. I ended up typing the cashtag user name incorrectly by 1 letter by accident. I called XXXX and they sent me a message saying i had to dispute the charge with my bank because the money came straight off my card instead of cash app balance. XXXX cash app sent me an email about this and I forwarded that email to Simple bank and they told me they basically couldn't do anything for me after waiting for 16 days. I had to threaten them with CFPB complaint then they got me a response instantly telling me I couldn't be helped and i wasn't getting my money back. I have already emailed them again almost 20 days into this back and forth and all they keep telling me is now i have to wait another 14 days to get another answer.
Company Response: Closed with explanation

Timely Response

2019-02-21

Plymouth, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: Hello, I received the below email from BBVA on XX/XX/XXXX : " This might be the easiest {$25.00} you'll ever earn. We noticed that you haven't taken advantage of your BBVA Compass checking account of late. Which is a shame because it has great features that can make your financial life easier to manage. You can access your account now with our award-winning Mobile App, online, or by visiting a branch near you. Simply bring your checking balance to {$100.00} by XX/XX/XXXX, and, if you still have {$100.00} in your account on XX/XX/XXXX, we'll deposit {$25.00} in your account within 90 days. '' I raised my checking account with them to {$100.00} on XX/XX/XXXX. I reached out to them today and they said I do no qualify " REPLY : Dear XXXX XXXX, Thank you for contacting BBVA Compass regarding the status of your Promotional Bonus. We would first like to thank you for choosing us as your bank, as we do value your continuing patronage. Upon reviewing your account ending in XXXX, we have verified that you do not qualify for the {$25.00} Increase DDA Balance Offer. This is due to you having a Promotional Bonus deposit into your account within the last 12 months of receiving this Offer. Your last Bonus was deposited on XX/XX/XXXX for {$200.00}. As a result, no Promotional Bonus will be provided at this time. '' The rules of the offer at below of the email. " There is a maximum of one ( 1 ) bonus per household. This offer is not combinable with any other bonus offer. You must be a BBVA Compass consumer checking primary account holder who received this communication by ( email/mail ) from BBVA Compass. To qualify you can not have received a cash bonus in the past 12 months. The {$25.00} bonus will be deposited to the primary account holder 's checking account within 90 days of meeting the bonus requirements. Account must be open and in good standing with a balance of {$0.00} or more at the time of bonus payment in order to receive the bonus. BBVA Compass may report the value of the bonus to the IRS as required by law. Any client whose tax status would require BBVA Compass to impose tax withholding of any sort will not be eligible for this bonus. '' Per their response my cash bonus for opening the account was provided on XX/XX/XXXX and was targeted per email for this offer and the eligible payout was XX/XX/XXXX which is over 12 months from last bonus date. BBVA should not target people not eligible for bonuses even if doing all of the requirements. I've held funds in the account just to satisfy these requirements with BBVA.
Company Response: Closed with monetary relief

Timely Response

2019-02-20

New Market, AL

Managing an account

Checking or savings account: Checking account

Problem accessing account
Company Response: Closed with explanation

Timely Response