BBVA FINANCIAL CORPORATION

2019-09-17

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-09-17

Thompsons Station, TN

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: I was charged over {$30.00} in fees by BBVA to use the ATM during the months of XX/XX/XXXX-XX/XX/XXXX. I called BBVA at the beginning of XX/XX/XXXX and they did credit my account the ATM fees. Then I kept being charged 18 fees for the month of XX/XX/XXXX, I called them and was told numerous times that a supervisor would correct the issue and return my call. I also sent multiple messages through online banking and have still not been able to resolve this issue. Because I have a clear connect checking account I should not have been charged fees for the ATM since they were in network.
Company Response: Closed with monetary relief

Timely Response

2019-09-17

Phoenix, AZ

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-09-17

Laurel, NY

Closing an account

Checking or savings account: Savings account

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

Timely Response

2019-09-17

Chandler, AZ

Other transaction problem

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

Company Response: Closed with monetary relief

Timely Response

2019-09-16

Managing an account

Checking or savings account: Checking account

Cashing a check
Company Response: Closed with explanation

Timely Response

2019-09-16

Atwater, CA

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with explanation

Timely Response

2019-09-16

Lakeview, NY

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-09-16

Lakewood, NJ

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-09-16

Hanceville, AL

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-09-16

Hayward, CA

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with explanation

Timely Response

2019-09-13

PA

Closing an account

Checking or savings account: Checking account

Can't close your account
Complaint: I opened a Simple account because they were having a bonus. As soon as I transferred XXXX, they locked my account.Their excuse was they can't verify me.I assure you there is no problem verifying me.I 've had all the big banks with no problem whatsoever. I immediately called and sent a message to close this account because I found this very suspicious. That would of cancelled the transfer. They WOULD NOT close it. So they stole XXXX from my XXXX account. That seems very serious to me. If I could file theft I would have. 2 days later they now have my money. I again told them close my account and return my money to XXXX. They WOULD NOT do it. Now i'm forced to send picture id, ss card picture and statements, which I did. They then tell me they can't accept the statements and send a verification letter, which I did. 9 days later my money is still locked. I called up and went off on them cursing, which is the only reason they sent me a message.Now they say the verification letter I sent has a 1 888 # and they want a direct # to a XXXX rep. After a lot of trouble XXXX called them and we did a 3 way call. My money was unlocked and I immediately transferred it back to XXXX. I told them close my account 2 wks ago and they will not close it. So i'm contacting the CFPB not only because I want my account closed but to get this corporation on record. They are locking peoples money once its transferred and using verification as an excuse for whatever scam they are trying to pull. Its very suspicious that they cant verify people AFTER they receive the money. All banks verify people thoroughly BEFORE money is exchanged. Why they will not close accounts is also suspicious. Its not just me. There is 151 complaints on the XXXX about this company that I found, probably a third are the same issue as me.XXXX knows how many more innocent people are being screwed over. These scumbags are locking peoples money for wks, months, i even read a yr. There is something seriously wrong here. If ever a corporation needs investigating, this would be it. Thank you.
Company Response: Closed with monetary relief

Timely Response

2019-09-13

CA

Incorrect information on your report

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

Account status incorrect
Complaint: I have a loan with BBVA USA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BBVA USA and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX XXXX, and BBVA USA with no successful resolution. XXXX, XXXX, and XXXX only reporting me 30 days late in XX/XX/2018. There was an error on their part. I was never 30 days late.
Company Response: Closed with explanation

Timely Response

2019-09-13

San Francisco, CA

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Company Response: Closed with non-monetary relief

Timely Response

2019-09-13

Arco, CA

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Complaint: Someone called my bank ( Simpleit is an online only bank ) and gave them all of my personal info and pretended to be me on XX/XX/19. Earlier that day I had received a support message about ATM Limits -- I thought it was just a general message sent to all Simple customers but it turns out that this person had called and asked about it, intending to drain my account. Soon after I got a few notifications letting me know that my email and phone number on file had been changed. I received two different messages from support from two different people which probably means they called 3 separate times pretending to be me in order to gain access to my account. In order to do this they had to have known my birthday, the last four of my social security number, my last few transactions, what my paychecks name is, and the bank accounts Ive had connected to my account before. They knew all of this and changed the email and phone number associated with my account over the customer service hotline. Thankfully I got notifications from my app once those changes went through so I was able to catch it before they took any money. I have their phone number and email that they used when trying to gain access to my bank account XXXX XXXX and XXXX ). Since this has happened I have had a lot of trouble with my bank. Simple told me they could no longer support me through phone support and that they were going to close my account since they could no longer keep my account safe. During this they also sent me a message saying they were having trouble verifying me and asked me to send pictures of my drivers license and social security card etc, which seemed pretty sketchy so I called them to make sure they sent that email. Basically when it all boiled down they told me they were closing my account and were going to send my balance to me via check. In the meantime my entire life 's savings in this account are currently being locked so no one can put anything in or take anything out. The problem is that I currently live in XXXX but I am moving to XXXX on the 15th. So I keep messaging them asking them when they will be sending my check ( it is literally all of the money I have to my name right now. And it is all meant to be used for my move across the country in a few days ) and they have not been communicative at ALL. I have messaged them every day since and no one can tell me when they are sending my check or when it will get to me. I literally just need them to tell me if they're sending it, what address they're sending it to, and how long it will take to get to me. It all seems very fishy that no one is willing to communicate with me via phone support or chat, and it makes me feel like they're treating me like a criminal. It's absolutely insane. On XX/XX/19, I got a notification saying that a check had been cashed for the entirety of my account 's balance. I am wondering if this means that they have finally sent my check, or that they sent it a while ago and someone else attempted to cash it. It's all very confusing and I am extremely concerned. I am getting nowhere with them. I am concerned that it could have possibly been someone in the company who gained access to my bank account because I have no clue why they wont tell me when they are going to send my check. It makes me extremely anxious and uncomfortable knowing that I have verified my identity to them multiple times and they absolutely refuse to cooperate with me. They are withholding my funds from me with no reason why or estimate on when they will be sent. I am reporting this because I want whoever stole my identity to be stopped, because if they are doing this to me Im sure theyve done it before and will continue to do it to others. I also am reporting this because I feel that it is unlawful for a bank to withhold a customers funds from them with absolutely no reason why and no communication. Literally all of my life 's savings are just hanging in limbo with no communication from my bank. Please help.
Company Response: Closed with explanation

Timely Response

2019-09-12

Hurst, TX

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with explanation

Timely Response

2019-09-11

Lake Victor, TX

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with monetary relief

Timely Response

2019-09-09

Plano, TX

Closing your account

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

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-09-07

San Diego, CA

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: On XX/XX/19 I used my debit card at a restaurant, I spent {$14.00}. After that transaction, my balance was positive. I would not have been able to make the transaction if I didn't have enough, and my card would not have worked. On my statement, it shows that after the charge of {$14.00}, my balance was {$18.00}. In spite of that, on XX/XX/19 I was assessed an over draft fee of {$32.00}, with the bank saying I overdrew the account. Then again today, I was assessed another {$32.00} fee, on a transaction I did on XX/XX/19. I paid for my XXXX XXXX , {$29.00}, and when I did that, my balance was sufficient. On my statement, it shows that after the debit of {$29.00}, my balance was {$6.00}. Now 2 days later, they tell me it was not. I know it was. I called the bank tonight, and the representative told me my account was overdrawn by me, both times. It was not. I believe what they are doing is holding transactions in a pending status, both debits and credits, and then processing them in a way that creates an artificial overdraft. The representative put me on hold this evening and came back saying that AS A COURTESY she would reverse one charge, but not two. This is ridiculous. If one of these charges is reversible, then both of them are. Courtesy is not why they are willing to reverse the charges ; they are hoping to make me feel lucky to get back even one of the charges. This is NOT RIGHT. I want my {$64.00} back, and I want them to stop this unethical and nefarious practice. They need to be penalized for tricking people!!!
Company Response: Closed with monetary relief

Timely Response

2019-09-07

Rochester, NY

Closing an account

Checking or savings account: Savings account

Can't close your account
Complaint: I tried to open my account on line on or about XX/XX/XXXX a process that usually has taken me about 30 minutes with several other banks. The first problem occurred when they would not accept my ACH transfer. This was finally accomplished on XX/XX/XXXX because I had to deal with many obstacles & phone calls had to wind up using snail mail twice. At that point, I already had so much time invested I continued to move forward. Once the account was established, I found out through one of the many calls I had to make that the rates & bonus were not as advertised.I spoke with " XXXX on XX/XX/XXXX about all my issues. I was so disgusted, I began the process of closing my account. I spoke with " XXXX '' on XXXX about it & indicated I would file a complaint. Because of so many obstacles & requirements, I again had to mail in the request to close my account which I did on XX/XX/XXXX. I also sent a follow-up email concerning my dissatisfaction on XX/XX/XXXX. I received e-mail from XXXX XXXX on XX/XX/XXXX requesting yet more info to which I replied the same day. I left follow-up calls to her voice mail on XXXX & XXXX indicating that if I did not receive my funds by mail or a return call, I would be filing a complaint. My account in the amount of {$16000.00} is still open as of this date.
Company Response: Closed with explanation

Timely Response

2019-09-06

Bloomington, MN

Opening an account

Checking or savings account: Checking account

Unable to open an account
Complaint: On XX/XX/2019, I applied for a new account with the bank. I was denied with a generic rejection notice and given no specific reason for the denial. I contacted the bank via the phone customer service number and they were not able to provide any details as to why I was being denied. I previously had an account with this bank and had no issues. I had closed this account a few years ago and never had an overdraft or any other type of misuse of the account.
Company Response: Closed with explanation

Timely Response

2019-09-06

Lake Victor, TX

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with monetary relief

Timely Response

2019-09-06

Raleigh, NC

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-09-06

Quartzsite, AZ

Advertising and marketing, including promotional offers

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

Didn't receive advertised or promotional terms
Complaint: I was offered {$150.00} to open the account, and spend {$1500.00} in 90 days. The {$150.00} was to be paid in two parts. {$100.00} after meeting the spending requirement ( got it XX/XX/XXXX ). {$50.00} was to be posted 45 days later. It's been more than 45 days. I've written an two emails, made three phone calls, uploaded a photo of the offer and NOTHING. Reference numbers XXXX XXXX.
Company Response: Closed with monetary relief

Timely Response

2019-09-05

Brooklyn, NY

Managing an account

Checking or savings account: Checking account

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

Timely Response