BBVA FINANCIAL CORPORATION

2018-11-20

Chisolm, AL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-11-20

Aledo, TX

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with explanation

Timely Response

2018-11-19

Jacksonville, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2018-11-19

Glendale, AZ

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

2018-11-19

Stkn, CA

Improper use of your report

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

Reporting company used your report improperly
Complaint: Account XXXX 1. The Consumer debt was sold to a Non Register California Debt Purchaser XXXX XXXX XXXX XXXX XXXX based in Texas as of XX/XX/XXXX. The company does not need a license, insurance and bond to collect it's own debts from California consumers. But the company was not register of their entity with the Secretary Of State Of California to do business in California. That is the State Corporate law. I had complain to The Secretary Of State, the State Attorney and to XXXX in XX/XX/XXXX and in XX/XX/XXXX the debt buyer removed the account from all three credit reports due to not following the California Corporate law of registering their entity. The debt is not collectible or other wise the debt buyer would still be on my credit reports. All my complaints that I had filed. BBVA Compass is avoiding my complaints regarding the issue.. 2. BBVA Compass had abused my credit files. I had attached all three credit reports from XX/XX/XXXX through XX/XX/XXXX and a few from XX/XX/XXXX to the complaint. I had sent the same reports to BBVA Compass by email and it was ignored. I would like for BBVA Compass to take a good look at all 3 credit reports and let me know what you see. The account is not reporting accurately and it should had been stopped in XX/XX/XXXX when the account was sold. I had filed a dispute and the dispute took more then 30 days. The Account should had been removed from all credit reports. If you have any question please let me know. I hope and pray that you would have compassion and see that my credit reports been misused. It is only fair that the account be removed. BBVA Compass had said many times in other complaints and emails that they don't have any records of BBVA Compass reporting the negative account on their system. That is why they can not send me copies of the records of when BBVA Compass reported the negative account in Jan through XX/XX/XXXX. It is my word against BBVA Compass because I got the proof of the misused of credit reports. Why deny it? All my complaints that I had filed. BBVA Compass is avoiding my complaints regarding the issue.. 3. Because the account is in my name that I did not apply personally online for the consumer credit under a faults income ie Business Projection Income of {$100000.00} to start a business that was less a year old. My income yearly {$10000.00} XXXX XXXX. BBVA Compass knew that. BBVA Compass business partner XXXX XXXX goes online five days a week filling out personal credit application for clients with many banks. If approved BBVA Compass has another costumer. I got proof. All of that should be against the law. PS I had requested the contact info to the collection manager and it was refused.
Company Response: Closed with explanation

Timely Response

2018-11-17

Glenn Heights, TX

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated fees
Company Response: Closed with explanation

Timely Response

2018-11-16

Houston, TX

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with explanation

Timely Response

2018-11-16

Fort Worth, TX

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Closed with monetary relief

Timely Response

2018-11-16

Problem with customer service

Money transfer, virtual currency, or money service: Traveler's check or cashier's check

Company Response: Closed with explanation

Timely Response

2018-11-16

Shulerville, SC

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Company Response: Closed with explanation

Timely Response

2018-11-16

TN

Getting a credit card

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

Application denied
Complaint: I was sent letter I was pre-approved for a BBVA ClearPoints Credit Card. I applied on line. Website advised was declined and they would send me a letter with explanation. I received a letter dated XX/XX/2018 that said " unable to verify your identity ''. APPLICATION ID XXXX I called them at the number for questions that was on the letter and was told that they tried to call me " on a mobile number '' to text me a code to send back to them and that is the ONLY WAY that they will verify identity! I DO have a landline. ( 1 ) I am not able to get a signal on my cell phone at my residence which is in a valley among several mountains-can only use it when I go to town or on a trip. ( 2 ) I am XXXX years old and I don't even know how to text! ( 3 ) The letter said the denial was NOT based on information from a consumer reporting agency. I talked to 4 different departments and they all said adamantly the mobile phone was the ONLY way would verify identity.
Company Response: Closed with explanation

Timely Response

2018-11-15

Conyers, GA

Opening an account

Checking or savings account: Other banking product or service

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

Timely Response

2018-11-15

Liverpool, TX

Opening an account

Checking or savings account: Other banking product or service

Didn't receive terms that were advertised
Complaint: The Bank Has An Promotion Going On where When Youu Open An Account They Give Youu {$250.00}. Its Been since XXXX and whwn i seen The Promotion I Opened an account But Still Havent recieved My {$250.00}. Im Very Upset About It And Feel It Isnt fair. I Still See This Promotion Going On And Yet To Recieve My Money.
Company Response: Closed with monetary relief

Timely Response

2018-11-15

Georgetown, TX

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: I filed a complaint recently that was closed after receiving feedback from Compass. The statement related to when the AG 's office made my past deposits available is false. I've attached both the dates cited by Compass and the dates published in my account on the Texas AG 's support portal. You can see a standard 2 business day delay. I've also attached the email response I received from the AG 's office stating that they make the funds available on the day deposited. To clarify the timing cited by Compass as starting in XX/XX/2018, I had 2 checking accounts with them for a few years to separate business income. I recently closed one of those accounts ( ending in XXXX ) and moved the direct deposit to my current account ( ending in XXXX ). For easy reference, my original complaint : My child support payments are issued by the Texas Attorney General via direct deposit twice monthly. I have confirmed with them that the funds are released immediately. There is a standard 2 business day hold on the funds being released by BBVA Compass. The AG 's office posts deposit dates in my account on their website ... if the deposits are made on a Thursday, I don't receive the funds until the following Monday. If the deposit is made on a Tuesday, I receive the funds on Thursday. I have raised this issue with them several times, both via email and on the phone. I've had customer service representatives confirm that they can see the funds pending and they will be available tomorrow. I have also had them tell me that they do not see the funds pending, although the AG 's office shows they were deposited. I have tracked this 2 business day hold for almost 2 years now, as it has caused me significant expense in overdraft fees with Compass. I have read the FDIC rules related to ACH and direct deposits, and I believe Compass is not following them.
Company Response: Closed with explanation

Timely Response

2018-11-15

East Troy, WI

Fraud or scam

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Complaint: Elderly Father XXXX passes away XX/XX/2018, leaves behind XXXX year old widow in XXXX County Wisconsin. Leaves XXXX daughters and XXXX son, has a revocable will by attorney 's office. The will is general in that the widow should receive everything. The day father dies the son flies in from Arizona and goes to the safe deposit box and withdraws {$140000.00} .00 cash - wife of son works for BBVA Compass in XXXX, AZ helping to transfer funds into various accounts. Son then comes into town to force XXXX year old widow mother to sign truck title - he sells to attorney and never brings widow money from the sale. Son forces mother to sign over check of {$12000.00} to be deposited into a different bank for his personal use. Son loses his license in Wisconsin and in Arizona for financial advising and real estate. He also loses his job at XXXX XXXX XXXX XXXX XXXX in AZ. To our knowledge he is also pocketing fees for transactions regardless of having a license to do so. It is our belief that the son and his wife ( girlfriend ) are transferring moneys to many accounts as they have taken it from the mother and have access and knowledge of the banking and financial world. There is also a retirement account in excess of {$60000.00} dollars that we fear they will access without the widow 's knowledge and consent. We believe this violates this elderly widow 's rights and is elderly financial abuse. We also believe he will change locks on condo residence and he is bragging he is selling it. He has also tapped into the XXXX retirement account of the deceased father. This is all so overwhelming for this elderly XXXX year old widow/mother. XXXX XXXX ( Wisconsin ) credit card owned by deceased father and live widow mother was used after death by the son from AZ for personal use and his family. He also changed address of credit card to his in AZ.
Company Response: Closed with explanation

Timely Response

2018-11-15

Lewisville, TX

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated fees
Complaint: Compass bank made sure to put my account - {$3.00} despite having the funds in there so they could charge a NSF fee of {$38.00}. I had transfered {$20.00} which made it to the good but they put the other charge through first to make sure it was negative. With that, it cause my account to be negative again when my XXXX for {$3.00} went through. I want to make sure the negative {$38.00} is refunded due to their illegal tactic to charge bogus fees.
Company Response: Closed with monetary relief

Timely Response

2018-11-13

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with non-monetary relief

Timely Response

2018-11-10

LA

Problem when making payments

Payday loan, title loan, or personal loan: Personal line of credit

Company Response: Closed with explanation

Timely Response

2018-11-09

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-11-08

Aledo, TX

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-11-08

Arlington, TX

Charged fees or interest you didn't expect

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

Company Response: Closed with explanation

Timely Response

2018-11-08

Williamsburg, VA

Managing an account

Checking or savings account: Other banking product or service

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response

2018-11-07

Georgetown, TX

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-11-07

Glendale, CO

Managing an account

Checking or savings account: Other banking product or service

Problem making or receiving payments
Complaint: I opened a new checking account with BBVA Compass Bank and took out a personal unsecured loan for {$4000.00} at the same time. The bank was offering a promotional incentive of {$150.00} when taking the loan offer plus a ACH deposit into the checking account Since I receive Social Security monthly as a ACH deposit into a bank account of my choice. On XX/XX/XXXX I received {$50.00} for the monthly ACH deposit into the checking account. However, the loan which was to pay {$100.00} for taking out the loan at the same time as the checking account has not yet been deposited into the checking account as of XX/XX/062018. I spoke with a manager who said she would look into it. There has been no action taken on this matter.
Company Response: Closed with explanation

Timely Response

2018-11-07

Alameda, NM

Managing an account

Checking or savings account: Other banking product or service

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

Timely Response