BBVA FINANCIAL CORPORATION

2016-12-13

Newport Beach, CA

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-12

Birmingham, AL

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-12

Scottsdale, AZ

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-12

Longmont, CO

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: My bank failed to process an automated payment within their system to an internal loan and charged a late fee. A confirmation of the payment was provided and no failure of payment was sent.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-11

Madison Square Sta, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-09

Sugar Land, TX

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-09

City Industry, CA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-09

FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I received a request for XXXX document for my condo on XX/XX/XXXX. I immediately emailed the proof of the policy to BBVA Compass provided email. In couple weeks I received another warning from BBVA to place a mandatory Wind policy on my account. I called BBVA and they did not have my policy email and emailed that again to another email provided by BBVA on XX/XX/XXXX I did not work again. I received a statement that BBVA has placed a Wind Policy insurance on my account and my payment increased starting XXXX XXXX. I called again and they still did n't have my insurance. I emailed the proof again on XX/XX/XXXX. On XX/XX/XXXX I received a mortgage statement still showing wrong amount due for XX/XX/XXXX payment. I called BBVA again and they confirmed they just " sent a request '' to recalculate the payment. This is truly not a fair practice.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-08

Newport Beach, CA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-08

Newport Beach, CA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-07

Houston, TX

Using a debit or ATM card

Bank account or service: Checking account

Complaint: Regarding dispute # XXXX I will continue filing complaints until the institution responds as to why this claim is being denied pursuant to the Electronic Funds Transfer Act ( issue stated below ) : " Liability for Unauthorized use of ATM and Debit Cards If you have lost your ATM or debit card, or if it has been stolen, it is very important to notify your bank as soon as possible. By doing so, you will minimize the amount of liability you will have for any unauthorized use of these cards. In the case of ATM and debit cards, the Electronic Fund Transfer Act sets forth the rules. Under the EFTA, your liability for lost or stolen ATM or debit cards is : {$0.00} if you are able to report your lost or stolen ATM or debit card immediately and before the card has been used ; {$50.00} or less, depending upon the amount that has been used, if you report your card lost or stolen within two business days ; {$500.00} or less, depending upon the amount that has been used, if you do not report your card lost or stolen within two business days, but you do report it within 60 days after your bank statement is issued that shows the unauthorized use ; or Any amount if you fail to notify the bank of your lost or stolen card within 60 days after your bank statement is used that shows the unauthorized use. If your bank or financial institution claims that you are liable for unauthorized charges or withdrawals that exceed {$50.00}, it must be able to show that the additional loss ( past {$50.00} ) would not have occurred if you had given timely notice of the missing card. '' Conflicting prior responses regarding submission of additional requested documentation in the form of a police report are not relevant to the EFTA requirements. Institution stated claim would remain open upon submission of report. Report was submitted to institution. Institution then stated report was not submitted in time. Institution is now on record as denying claim based upon internal procedures and not EFTA legal reporting requirements.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-06

Lufkin, TX

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-06

Warrenton, VA

Using a debit or ATM card

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-05

Chattanooga, TN

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-05

Dallas, TX

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-03

Jacksonville, FL

Problems caused by my funds being low

Bank account or service: Savings account

Complaint: Bbva compass will not remove the XXXX fees from my account after someone tried to use account Date : XXXX/XXXX/2016 From : XXXX XXXX To : XXXX XXXX Account : Savings XXXX Time : XXXX Reference ID : XXXX Memo : I am unable to issue dispute under account XXXX 1. Amount of change {$38.00} x XXXX NSF 2. Posted date XXXX/XXXX/16 & XXXX/XXXX/16 3. Merchant name XXXX 4. Reason for dispute ( cancelled services, onetime payment, etc. ) This transaction is not for me this is not my insurace carrier I never initiated services with them 5. Your current mailing address XXXX Fl XXXX 6. Your phone number XXXX 7. Preferred method to receive the dispute paperwork ( by mail, fax, or email and provide such information ). email 8. Have you attempted to contact the merchant to obtain a refund? Yes I contacted this merchant initially on XXXX/XXXX/2016, and was advised there was no way to provide me any information as the SSN provided, Drivers License number, address, and also the DOB provided does not match my information. The merchant explained I need to contact my bank. 9. If so, what date and what was their response? XXXX/XXXX/2016 I was advised there was no information t CloseDelete Reply
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-01

Gainesville, FL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-01

Clermont, FL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-01

AL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: My name is XXXX and I am a victim of Identity Theft. The thief made various fraudulent transactions or opened a fraudulent account with BBVA Compass Bank in my name. In accordance with section XXXX XXXX XXXX XXXX of the Fair Credit Reporting Act, XXXX U.S.C. XXXX ( XXXX XXXX, I am requesting BBVA Compass provide me copies of all business records relating to the the account identified above. This includes application records or screen prints of internet/phone applications, statements, invoices, and the full accounting history showing how the alleged amount was calculated.The federal law directs that they provide these documents at no charge, and without requiring a subpoena, within XXXX XXXX XXXX XXXX days of their receipt of this request. Additionally, I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Affidavit and police report. Because the information they are reporting is the result of identity theft, and does not reflect my activities, I am requesting that they stop reporting this information to the CRAs pursuant to section XXXX ( a ) ( XXXX ) ( B ) of the Fair Credit Reporting Act, XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ). Please investigate this matter and delete the disputed account as soon as possible. Please send me a letter documenting the actions you have taken to absolve me of any responsibility for the information I am disputing, which resulted from the identity theft. Should they find the disputed information to be inaccurate or incomplete, or they can not verify the accuracy or completeness of the disputed information, they are additionally required, under FCRA XXXX XXXX b ) ( XXXX ) ( XXXX ), to promptly notify the credit reporting agencies of deletion of this information from my credit file.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-12-01

Bellaire, TX

Using a debit or ATM card

Bank account or service: Checking account

Complaint: Hi! I am writing in hopes that someone somewhere can help me I put my card on file at a budget rental car place on XXXX/XXXX/2016 on XXXX/XXXX/2016 they took out XXXX and some odd cents out of my account the funds were never available in my account so it went through and caused my account to overdraft I am not opt in overdraft protection so it should have never went through now I am having to dispute charges and wait 90 days for something I should have been protected against and I 'm livid and every customer service agent I get gets me no where.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-01

Schenectady, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-30

Covina, CA

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-30

Arvada, CO

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Compass bank is unfair and unethical. I have overdraft protection from my savings account. I pay a XXXX fee for the transfer which is fine. However, I overdrew my checking and funds moved from my savings. I paid an nsf fee because my od transfer was not enough. That 's fine the kicker is I paid the XXXX transfer fee and because my account was still overdrawn I paid an nsf fee on my overdraft transfer fee. I 'm having to pay a fee on a fee.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-28

Wallington, NJ

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-28

Downey, CA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response