BBVA FINANCIAL CORPORATION

2016-07-22

Macclenny, FL

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Complaint: I did a short sale on my condo. The bank that held the second mortgage agreed to take $ XXXX form the sale of the property and that upon receiving funds they would release the mortgage. Their agreement letter also states that there would not be any deficiency on the loan. Three months after closing my release is not on file with the XXXX website. I also received a call from a collection agency without warning.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-22

Mesa, AZ

Taking out the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-21

Dallas, TX

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-21

Rowlett, TX

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-07-20

Cheverly, MD

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-07-20

Albuquerque, NM

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-19

Jacksonville, FL

Deposits and withdrawals

Bank account or service: Savings account

Complaint: I received a sizeable check from the XXXX XXXX XXXX as part of a negotiated settlement to repurchase our vehicle ( lemon law ) on XXXX XXXX, 2016. I went to my local BBVA Compass Bank at XXXX XXXX XXXX XXXX XXXX, FL at approximately XXXX on XXXX XXXX to deposit the check and was informed by the teller that the Bank was placing a 5 day hold on the amount. They were kind enough to make only {$200.00} immediately available.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-19

Philadelphia, PA

Managing the line of credit

Consumer Loan: Personal line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-16

Albuquerque, NM

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I was charged XXXX apparently for a XXXX. Cent overdraft fee. Then the " service charge '' that ive Never been charged before kicked in, resulting in the bank pulling my rent back into my account so they could charge me this " fee '' I canceled my account and will be banking elsewhere after 20 years of loyalty ... XXXX compass!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-15

Irving, TX

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-15

Scottsdale, AZ

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Repeating phone calls, multiple times per day, asking for somebody who had previously owned the phone number I am now using. I have told them each time that this is a new phone number for me and that I do not know who they are looking for, each time they acknowledge what I say, tell me they wo n't call again, then call two more times the next day. They also hang up on me before I get a chance to tell them to remove my phone number. I was told that my number would be removed from the account they are trying to get ahold of, the calls stopped for three days, then continued twice as often as before.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-15

Lewisville, TX

Deposits and withdrawals

Bank account or service: Checking account

Complaint: Compass Bank Accessed a {$38.00} fee on XX/XX/XXXXfor {$10.00} despite the fact that I had a deposit of {$1400.00} in the account. The customer service rep I spoke with on a recorded line stated the put the {$10.00} through on the XXXX. They money was available as if the date. The recording clearly states the date. If the rep had stated the XXXX, that would be a different story. However, with the recording they can not back track now.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-07-14

Val Verde, TX

Deposits and withdrawals

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-14

Round Rock, TX

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-13

Aurora, CO

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-13

Balch Springs, TX

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-12

Carson City, NV

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-12

Richardson, TX

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-08

IL

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I read about Simple online banking ( XXXX ) in the XXXX and was excited to set up an account. I opened an account and transferred {$2000.00} into it from my XXXX XXXX checking account on XXXX XXXX. After transferring funds into the account I received a message stating that my account had been frozen since they " could n't identify me. '' At this point, I was told that I had to supply a copy of my social security card in order to gain access to my account. During the month of XXXX, I moved into a new apartment, and I discovered my social security card was missing. I received one followup message from Simple, and then on XXXX XXXX I was told my account was closed. When I called into Simple customer service to ask where my funds were and to see if there was a workaround for not having my social security card, I was assured that I would n't need to produce my social security card and that the check would be mailed. On 4 or 5 occasions in XXXX, I called to check on the status of the check, each time being advised by Simple customer service that the " check was on the way. '' On XXXX XXXX, I called again to inquire about the status of my check and was told that the account had actually not been closed and that I still needed to provide my social security card to release the funds. I spoke with a manager who told me that, despite the fact it was Simple 's error in telling me my funds were on their way back to me, that I would still need to produce a social security card. She also advised that this is not the first time that this issue has come up with other Simple customers. On XXXX XXXX, I provided copies of my Social Security card and the other required documentation. I called on XXXX XXXX and today ( XXXX XXXX ) and have been told that my account is still under the " review process '' by another team at Simple. When asked if it could be escalated ( since my funds have now been frozen for 2 months ) I was told that it was n't possible.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-07

Jacksonville, FL

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-07-07

Leming, TX

Other transaction issues

Money transfers: Domestic (US) money transfer

Complaint: My income tax refund of {$3600.00} was wrongfully direct deposited to a compass bank account acct # ( XXXX ) on XXXX/XXXX/2016. i have opened a investigation with the XXXX Police Department to retrieve my refund but the bank 's corporate security supervisor XXXX XXXX XXXX says the bank can only return {$900.00}. The IRS has been notified and they will send out a letter notifying Compass Bank has to return the full amount but no word yet.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-06

TX

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I was recently charged an overdraft fee on my BBVA Compass account of XXXX, but no where on my bank online did it show that I went negative. If the bank is going to charge an overdraft fee, then there should be transparency and the bank should, at the very least, show me where I went negative. Instead, my balance never reaches a negative balance on my bank online. I feel that the method of accounting that this bank is using is meant to take advantage of consumers because people are being overcharged non-sufficient funds when their accounts never reach a negative balance on their bank online. If the banks are going to be charging overdraft fees, then they should, at the very least, show you why they charged you a fee.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-07-01

Jacksonville, FL

Bankruptcy

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-30

San Antonio, TX

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-30

Birmingham, AL

Application, originator, mortgage broker

Mortgage: Other mortgage

Complaint: Called BBVA Compass mortgage officer on or about XXXX XXXX, 2016. Explained that I had been approved for an FHA loan of {$150000.00}, but could not continue the loan because the main component ( XXXX Step Up Program-down payment assistance ) could not go forward because my estranged husband ( foreign country ) needed to sign a statement as to his income even though federal taxes had be filed stating a XXXX income. Because the purchaser was not able to get that statement, the loan had to be withdrawn. BBVA Compass has a community investment loan program ( Home Ownership Made Easier ) where a down payment assistance is offered and closing costs included in the loan. The seller had agreed to pay {$6300.00} of closing costs. I was assured by the mortgage officer at BBVA Compass that I did not need to get my estranged husband 's statement of income nor an o.k. to approve the loan. I also stated to him that I had applied with BBVA Compass about a month ago and denied because errors were discovered on my credit report that since had been removed. He pulled my credit while on the phone and stated that the credit scores were great and that my debt to income ratios were fine. He explained that the debt to income ratio was XXXX % ( purchaser is at XXXX % ). The application was completed and documents ( bank statements, homeowner 's insurance, flood insurance, etc. ) were submitted right away. My realtor was able to get an extension on the closing to XXXX XXXX, 2016, as the BBVA mortgage officer stated he could have the loan completed XX/XX/XXXX. On Monday, XXXX XXXX, 2016, I spoke with the loan processor for the first time and did not get a good feeling about this person because he asked about my estranged husband. Nevertheless, my realtor stated that the mortgage officer just yesterday, XXXX XXXX, 2016 stated that the loan was going o.k. But, this morning, purchaser received an e-mail action notice to sign documents from the processor and was shocked to receive a Denial Notice which is attached. Both reasons stated are bogus. Purchaser has no excess obligations. In fact, my expenses are : {$870.00} rent plus {$56.00} water/sewer ; {$230.00} car payment ; XXXX private student loans in deferment ( {$37.00} and {$37.00} once deferment ends ) ; {$25.00} payment on student loan ; and a {$500.00} line of credit that has been paid down to {$380.00} and can be paid off. All federal student loans have been consolidated and are in IBR with a {$0.00} payment. Purchaser is assuming that BBVA Compass is using the XXXX % of balance calculation for the consolidated federal student loans when, in fact, there is a {$0.00} payment on the credit report and statement. This is a community investment loan program, and I have not been evaluated properly. For some unknown reason, purchaser is finding it very difficult to get a home loan in the state of XXXX. Purchaser has purchased in the past several homes in XXXX without difficult and with a lower credit score.
Company Response: Closed with explanation

Disputed: Yes Timely Response