BBVA
Reviews and Complaints

The exact same thing has happened to me many many times. Recently, I inquired on the phone before hand to see when the deposit I had made the day before would clear. I was told by one of their customer service reps, Yuvicia, that it would post at midnight, no ifs ands or buts. Well, it didn't. I used my card the next day, and got hit with 7 NSF charges. Further more, when I told them that I had called to inquire about the charges, I was told that they had no record of the call, and since all their calls are monitored, the call didn't take place. Sabrina Tisher, of the Arizona call center was the lovely CSR who saw it fit to numerously call out my integrity, by saying I never made the call, or the follow up a couple days later, but she also offered such gems of advice such as "You shouldn't spend money unless you have it in your account". Needless to say, this sent me through the roof. I have already forwarded the information about it to the Better Business Bureau, and I have the call records to prove the calls were in fact made, even if they "lost" them on their end. I would really like to try and gather some feedback for more people, and possibly pursue a class action lawsuit. I have already spoken to a lawyer, and he said their practices were unethical, and if they in fact deleted the phone records proving their guilt, and my innocence, it would constitute fraud. I would really like to stick it to these guys, since they obviously have it coming to them.

I cannot believe that if the bank is this bad that you would continue to bank with them! Let me see if I understand you correctly...They deposit your cash, its not available until after midnight that night, you need your money and you can't have access to it until AFTER midnight. So...I ask the Dr. Phil question here...Hows that working for you? Banks! Get your money out of there now! If you ever expect banks to change their operating practices, you have to let them know you are not tolerating their actions. Take your money to the nearest Credit Union and bank with them. Credit Unions are people like you and me. They dont pay those big salaries to their board members. The board members at a Credit Union are ELECTED BY THE MEBERSHIP, MEANING YOU AND ME! They dont earn any salary for serving on the board, they are elected. Yes, Credit Unions have fees too but nothing like the banks! They are friendly people who really care and are there because of you. I was reminded of how BAD banks are just the other day as I have been banking with Credit Unions for over 20 yrs. I took a check my daughter had written me to HER bank to cash. They wanted to charge me $6 to cash my daughters check at HER bank with HER money in it! I looked at the teller and said, "I am going across the street to my Credit Union where they dont know my daughter from Adam. They not only will cash it, they will NOT charge me a fee to do so nor will any of my funds be placed on hold! Thank you for reminding me why I do not deal with banks!" I took the check to my Credit Union and the only thing they asked me was what type of bills I would like! Now...thats the way to treat your customers! Get out of banks now unless you can afford to keep giving your money away.

Compass Bank Regulator:
The Federal Reserve Bank of Atlanta
Public Affairs Office
Pierce Nelson [protected]
Jean Tate [protected]

Please call or write this number if you have complaints about Compass Bank. They simply cannot get away with these practices. They are outside of the norm of other bank practices.

Thank you so much for the address. I will write today. I was with this bank for one year. This was the worst business relationship I have ever experienced. They do not credit deposits for days. They take money out with a credit card authorization that hasn't even posted. I spoke to Carrie at corporate and she was extrememly hostile and defensive. I stood in line one day and all of the people in front of me complained. I am in Florida and there are numerous Better Business Bureau complaints against them.

I am having a similar situation with my mother whose social security check is being eaten up by OD fees from this bank. Hasn't anyone thought about writing to the State of Alabama Banking Department or to the Alabama State Attorney General's Office. ( Their address is: PO Box 4600, Montgomery, AL 36103). The Chairman and CEO of Compass Bank is Mr. D. Paul Jones, Jr., Compass Bank, PO Box 10566, Birmingham, AL 35296. If this bank has branches in other states this becomes an interstate commerce issue and you should berihng this to the attention of the US State Attorney General's Office in Washington DC. Send him a detailed history and copies of all documents. Make sure you keep detailed copies of everything you send out and when you send mail make sure you send it priority mail with a delivery confirmation. It will cost you a little more but the security of knowing your stuff got there is worth it. Compass Bank will not pick up any mail that is certified/return receipt requested because that leaves a paper trail as someone has to sign for it! Enough complaints and someone will do something! The problem is that poor people don't know how to use the system to their advantage. Good luck!

Totally Agree!

This bank is operating like it's 1995 - they will not recognize a cash deposit on the day that its made but will post cleared checks on a previous days basis. They are in buisness to charge fees thats it !...Mark my word this bank will not be around much longer. Customer service reps are untrained and very unproffesional. I am a big believer in Wells Fargo - I'm going back...

Compass bank HAS VERY POOR SERVICE and needs to go out of business,... I will NEVER EVER,... Deal with this BANK of Bandits again. And the next car we have to get a loan threw Compass bank we are parking the Car and walking out.

A person who just paid off a LOAN should not have to go threw what we went threw,..they sucked the joy of paying a 4 year loan right out the window by losing the TITLE of the car and before then,.. Lost Money that was trasfered to one bank to Theirs (Which I am still wondering how that could of happend. I AM SPREADING the word that COMPASS BANK is a POOR SERVICE,..bank and is not a PEOPLE Bank as they claim. Another problem is that they don't seem to have Managers of this Bank of Bandits who are ready to handle PEOPLE'S Complants or Frustrations.

THIS BANK IS THE WORST BANK I HAVE EVER CAME ACROSS AND THOSE WHO WORK IN IT,..are so untrained and really need to find other jobs. A monkey can answer phones! WE want someone who can help us Pay off loans and speedy service and Knows what is going on.

Robert T Murphy

Same here. Compass charges exhorbitant fees. They purposely time deposits and withdrawals in order to create an "appearance" of being overdrawn.

The entire world wide banking industry basis all account activity on the "posting" date of a debit, either electronic or check. Compass actually arbitrarily uses either the date of the transaction, or the posting date. They also "pre post" checks.

For example, if you have a 100 dollar balance, and use your debit card to buy gas for 50 dollars, the gas charge may not show up for 3 or 4 days...it's post date. Say you buy the gas, go grocery shopping, pay some bills etc, your cleared balance at the end of the day is 49.00. So you deposit 75.00. The next day you have a positive balance with both the deposit and the gas charge pending. Another day goes by, and both the charges clear. What does compass do? Well, since you originally made the gas charge before the deposit cleared, even though they were on the SAME DAY...they charge a 38.00 NSF. Of course, you don't know this, and you happilly use your card...and Compass then maximizes their fees by ordering the times they clear. I've paid over a thousand dollars in fees because of a .35 cent balancing mistake.

I personally don't understand how it is legal for Compass to arbitrarily use the origination date or the posting date in order to deliberately generate fees.

I had same problem with Compass bank and their predatory tactics. There were multiple unauthorized charges on my account by two institutions and by the time i noticed a week later (when i walked in to the bank to make a deposit) i was already $800 in the hole in compass NSF 38.00 fees tacked on top of the UNAUTHORIZED charges. My Debit card was never declined despite being 800 in the hole so naturally i never knew anything was wrong. IT TOOK SPEAKING TO THREE DIFFERENT COMPASS BANKS TO FINALLY CLOSE MY DEBIT CARD.
They refused to shut down my account until everything was paid up despite my account fraudelently being tapped into. Meanwhile the fees just kept adding up because COMPASS ALSO REFUSED TO FREEZE MY ACCOUNT. The only way to avoid the continued HEMORRAGE was to pay about $950 to bring my account out of the negative balance and immediately shut it down.

I never heard of a bank not being able to at least FREEZE an account if there are unauthorized charges, but Compass claimed that banks dont freeze accounts. Further, their so called "investigative team" at compass's 1800 # were rude and one of the managers simply said that compass is not in the business of "policeing accounts" therefore they don't cancel or decline debit cards when the account goes into the negative balance. Had i not walked into the bank within that one week my account could have gone several thousand into the hole within a matter of two-three weeks since Compass doesn't decline debit cards. Therefore, no way of knowing if your account is fraudelently being used, until of course you either walk into the bank or get the statement in the mail.

They have one hell of a racket going on. I am shocked that the FBI or other Federal authorities havent looked into these abuses.

I am fighting Compass right now about NSF fees. I actually had something that was unauthorized to go through my bank. So I called them & of course they told me I would have to file a dispute, etc. I was charged $38/NSF fees even BEFORE the item went through. Then, they put the larger item (disputed $69.90), BEFORE they put the &7.95 one through. So I incurred THREE NSFs. A few months ago, I incurred an NSF fee because they took out a check BEFORE they credited my deposit. I called to get them to reverse the charges but they refused. I read an article on msn a few days ago but can't find it again. It talked about this very thing & I believe it said that there is a bill that is trying to be passed against this very thing. The larger check/ debit goes through first PURPOSELY because banks are making MILLIONS of dollars a year on this. If we report these banks to the Federal Trade Commission, it may help. You can do that on-line. BTW, I am closing this account. I've already opened a new one with Bank Trust. So far, they seem much better. I talked to them first to see if they used such tactics & they said no.

I was drawn to open an account with compass bank because of their advertising and purported 6.5% interest on a checking account. It sounds like they are actually a bunch of money grubbing A--holes and I will avoid like the plague. Thanks for posting your experience.

They are predatory indeed. They change the chronological order of deposits & withdrawals in order to create fraudulent reasons to charge their customers NSF fees, then refuse to show the actual documentation of said deposits & withdrawals. Their tactics are absolutely disgusting & if I were an employee of this deplorable institution, I would be embarrassed & feel like I had sold my soul to the devil. I cannot believe employees can defend the conduct of this company. I am closing my account immediately. I would never recommend this bank to anyone, including my worst enemy, EVER!

I opened some "free" accounts for my teenagers. I expected them to overdraw at some point. I expected some fees. I figured that if they did, they should pay the price and learn a lesson.

I did not expect to find a company as predatory as Compass Bank.

When my son overdrew his account on a Monday. On Wednesday they finally mailed a notice of the overdraft. I did not get said mailing until the end of the day on Friday. So I went to the bank on Saturday with CASH, only to learn that

1. the cash deposit would not post until midnight Monday, so any further action over the weekend or on Monday would hit as overdrafts. In other words more $38.00 fees.

2. Once an account is overdrawn for a week, they charge a $38.00 fee PLUS $7.00 per day.

Because my daughter had once worked for Compass, she was able to hook me up with someone who would make the cash deposit post on Saturday. Without an inside tip, my son would have been out many more dollars.

My daughter, likewise, overdrew her account. We did get to the bank in time with cash to avoid the whole overdrawn for a week problem. But a bank official looked at her screen and said she was $251.00 in the hole, but nothing else was due to come in, so her advice was to wait until the next day and deposit the correct amount. We deposited $300.00 in cash.

Guess what? Overnight another item showed up for some $20.00, but because it was posted for the previous day, it was debited from the account, which drew another $38.00 fee, before the $300.00 was credited.

I had a bank official explain what she should do directly to my daughter, but then I told my daughter what they would really do to her. For example, the banker told her that they "may" place a hold on any check we deposited, even if it was from a local bank to stop the overdraft hemorrhage. I told my daughter that they absolutely WOULD place a hold on any check we deposited because it is the Compass Bank policy to do so. Again, having a daughter who told me the inside scoop was valuable.

Anyhow, when we went to close the accounts a week later, I actually had the branch manager, I think his name is Michael Daley, at the Compass Bank at 7347 FEDERAL BLVD in Westminster, Colorado, come out, insist that I come to his office, and try to argue with me that I didn't know what I was talking about. I told him at least 3 times that I had no interest in arguing, that I simply wanted to close my account and leave. He insisted on "trying to educate me with facts". He finally quit trying to argue with me when I told him that I didn't trust him because he was only spouting the company line as he had been taught to do. Even then, as we were walking out, he said something very sophomoric about me "making him laugh" for not wanting to listen to him.

ALL I WANTED TO DO WAS CLOSE MY ACCOUNT, AND HE WANTED TO DRAW ME INTO AN ARGUMENT! I left with my jaw on the ground over how unprofessional and childish they acted.

My 16 year old daughter could not believe it either.

TMy advice: Do not to business with Compass. They are predatory and seem to be interested in padding their bottom line with fees.

Oh, yeah, they also charged a $1.50 fee to use their ATM to check a balance on an account at their bank.

Hi!

Just like thousands of others, I have been ripped off by my bank over the couple last years in NSF fees. I'm tired of this, and am looking for support from the community to help put an end to this "legal scam".

I have the domain www.stopbankfees.com and I'm looking for help from the community. I need help with:

- Building this site so we can get people to register and sign a petition (with email verification)
- Course of action: Who do we go to? Local congressman? Federal level?
- Spread the word
- Conduct an online survey and collect information on how much fees has the average unsuspecting consumer paid over the last month, year.

I know that we live in a capitalist country. But I also know that we live in a democracy. The highest power in this country is people.

Thanks!
Mike
stopbankfees@gmail.com

I love the title of this post! I feel the same way. BBVA Compass bank is a master of deception! Stay away from them. WORST BANK EVER!

Danfk

Compass Bank
Cullman, Alabama
Today I attempted to withdrawl money from my account and get two money orders for a Passport. I was told that they do not have money orders but can provide me with a Cashiers Check that would cost six dollars. I then told them that I was a customer and was suppose to get free checking etc... They checked my account and told me that the type of account I had does not provide this service. I then asked to close my account. They told me that I could not close until two pending transactions cleared. I understood and went to K mart and got two money orders for 69cents. I then returned to withdrawl all my money except for the money needed to clear the pending transactions. I have banked with Compass for several years. I always questioned certain charges etc... I now have come to the realization that they have been taking me for a ride! This is only my opinion.! Once these pending transactions clear I WILL CLOSE MY ACCOUNT!

Compass bank has been the worse financial institute that I have worked, My Fathers passed. I went into a branch sat with the branch manager directly she took, the death certificate and Will that showed I was the executor of his estate copied it and call her probate department. You would think branch manager would have flagged all his accounts that he's deceased and my name as executor. I have sold my Father's home and provided information to escrow to payoff the equity line attached to the property. Compass bank will not speak to me, said I have to go to a branch to provide documentation I ALREADY DID and now I am 10 hours away from a branch.
I received a letter that compass bank did a loan advance on the equity line and put it in his checking account (which I closed) to pay themselves, so how is this even possible! Checking account closed and equityline was paid off from escrow company! No one will help me to figure this out! DO NOT EVER WORK WITH THIS COMPANY!
Seems they lie to peoples faces as well.. Is the accounts really closed? No one will tell me

I feel compass bank takes advantage of their customers and their employees. They have a manager that tries to dates all the employees and has spread numerous rumors about sleeping with them and the human resources never did anything but promote this manager. Now is this a safe place to work with al the sexual harrasment people get from this manager.

Here's how my day started today. I woke up and looked at my bank, here's what I saw:

Date Debit/Credit Amount Balance
06/19/2008 DEPOSIT $100.00 $98.58
06/19/2008 DEBIT FOR CHECKCARD $8.37 $-1.42
06/19/2008 DEBIT FOR CHECKCARD $17.98 $6.95
06/19/2008 DEBIT FOR CHECKCARD $20.49 $24.93
06/19/2008 DEBIT FOR CHECKCARD $65.29 $45.42
06/18/2008 CHECK CLEARED XXXX $30.00 $110.71

As you can see, I started the day with over a hundred dollars. And Compass does what they ALWAYS do, let's take money first and then apply the deposit. I had one purchase that caused me to go over my limit. I was over by $1.42. So, you would think, one NSF fee, right? NOPE I received NSF fees for the entire day's transactions. Fun right? NOPE it get's better. So, I received an email alert as to these new NSF fees while I was in my car driving home. So, I pulled into the bank to discuss this matter. I normally don't bank at the Lone Tree Branch, but decided to today just because it was convenient.

I was told that I was charged the NSF fees because there wasn't money in there. Really, how could I start the day with 110 in the bank, I had 111 in debits clear, and now I'm being charged four NSF fees. So, how could this be. The manager (DON) refused to speak to me or explain how this could be. But did inform me that I would incur an additional 4 tonight because now I'm over drawn b/c of NSF fees. I said no. That's not gonna work. I had money in the bank. I will accept 1 NSF fee, but that was it! I asked for his boss's name and phone number. When I did, the manager became even worse. He did however, go and get the number for me. When he came back, he said, leave or I will call the police. Really, call the police why? Because I asked for your boss's name and number. Let me know how that works for you. I tried to make a deposit to cover the fees. But he would not allow me to make a deposit.

So, I left, and called their 800 number. Talked to a manager there who told me to go to another branch and make the deposit and I would NOT receive fees again tonight. But still couldn't explain to me how I'm being charged for having money in the bank.

So, I proceeded to another branch across town to make there stupid 1PM cut off time for today's business. Here's where the even bigger surprise comes in the manager at the other bank CLOSED MY ACCOUNT without my knowledge. I didn't authorize this and asked how this could be. Compass has a policy that ANY employee can close ANY account at ANY time if they want to. Here's the even bigger kicker, they have 10 days to inform you that THEY closed your account. WHAT. OK, I spent the morning at the Motor Vehicle, and Vital Records, and wrote checks for these and now my account is closed without my knowledge and you are going to return these checks and charge me. How can this even be true. How can they do this without ANY notice? If I didn't go into the 2nd branch, I would have no idea. My paycheck would try to go in next week, I would pay my bills, and have NO knowledge that this was even going on.

Thanks for listening

I am having the same problem with Julie Camp. Is there anything that can be done?

Tasha,

I am a collections agent for a major company and I was also a Bank Operations Specialist for 10years with a major national bank. Laws are the same. You need to file a complaint with AZ Dept of Financial Institutions ph#[protected] and the State of AZ Attorney Generals office. They have violated big time GLBA, FTCPA and the Truth in Savings Act. It is against the federal laws for any creditor to disclose or suggest that anyone of there consumers is in debt, has credit problems, or owes money. It is ok for them to 'skip trace' a consumer to find valid contact info, but to search out the extremes as they did is overboard, considering you did provide them with valid info.

Contact the agency I referred you to, banks like Compass thrive on the aspect that people will just 'give up'. DO NOT. It will not cost you a penny to file and you may dispute ALL concerns-if they find your dispute valid Compass may have to reimburse all charges, remove all negative credit reporting, and possibly have to 'eat the debt' on your credit card for 3rd party disclosure and violation of your privacy.

That sucks man.

Compass Bank, Lafayette CO

I am having a hell of a time having them to STOP running a check that was run and posted into the recipients account back in 2007. They have done it 3 times with today being the latest incident. Both prior times that have resulted in crediting the money back into my account after alot of back and forth and my time wasted...for their error. Now they say I owe them $1200.

I am fighting this and spreading the word. Do NOT bank at Compass. I also agree on the lack of professionalism. The CS Mgr acted like I was putting him out.

Booooooooo

Not necessarily illegal - you had better check your state's laws.

Most states allow for two types of auto loans - WITH penalty (usually the interest for the entire loan term when paying off early) or WITHOUT penalty - you pay interest "up-to-date"... so when you pay off the loan (or refinance it), you do not pay the interest for the remaining part of that loan.

Unfortunately, you are arguing from a weak position - your name is not on the loan. The bank has no obligation to speak to you at all. Indeed, there are some privacy laws that may actually prevent them from LEGALLY telling you ANYTHING about the loan.

And as far as repossession is concerned - they have no legal grounds so long as the payments are up-to-date. It doesn't matter who the payments are coming from. If they were to repossess the vehicle while payments are current, they would open themselves up to huge liability.

Not necessarily "illegal" - better check your state laws.

In most states, an auto loan can be one WITH penalties for early payoff (all that interest for the life of the loan, even if payed early), or WITHOUT penalties (you do NOT pay interest for the remainder of the loan term).

The problem is - you argue from a weak position - you are not the account holder. Legally, without your name on the loan, the bank does not have to speak to you at all.

The one point that you do have in your favor (assuming you have posted the entire story) - is that all payments have been made (regardless of who made them). They cannot repossess a vehicle if payments are up-to-date. That could get them in a HUGE pot of hot water.

My employer used to bank with Frost Bank. I would go cash my checks there at the branch---no charge to me because it was being cashed against a frost account. He recently switched to Compass. Well, now since none of the girls have a compass bank account, they are charging every single one of us $7.00 to cash our checks. (There are 6 of us, we get paid twice a month---that is $84.00 month) just for us to cash our checks on a compass account. HOW STUPID!

This is the most greedy out for ALL they can get bank in the metroplex! AVOiD these rip off artists at all cost! There are good banks out there that arent out for all they can get from the working class. If you go $1.54 in the negative and make a cash despoit immediately to cover the deficit they will not post that cash deposit until the next business day, then they post their $38.00 NSF fee before allowing the deposit to post, thus cause 3 more NSF fees to your account. This is the most greedy, out for all they can get bank I have ever had the displeasure of doing business with. They will go out of business and take the greedy Spaniards down with them! AVOID these robbers at all cost!

It's a horrible bank. They set their customer's up for failure and try to thrive off the negative.

COMPASS SUCKS ###, I'VE PAID OVER $400 IN NSF CHARGES AND THEY REFUSE TO UNDERSTAND THAT IT'S THEIR FAULT. THIS IS NOT A BANK, THIS IS A ROBBERY IN PROGRESS AND EVERYONE IS DOWN ON THE FLOOR. FOR COMPLAINTS PLEASE FEEL FREE TO CALL "ANA" THE COMPASS [censored] AT [protected] AND GIVE HER A PIECE OF YOUR MIND!

And I thought it was just me. Compass got me for over $300.00 in fees that started with an unauthorized Redbox rental debit. Like most people I dont go online daily to check my account. The amount initially that started it was...$1.07!I had no clue so I made a deposit and kept on using the card for small purchases like soda, gas,etc. They will keep honoring the debit card as a favor(ha!) and charge $38.00 each time and double it in six days! They absorbed the deposit for fees and then kept on charging me $38.00 each time til I got back online and realized the horror! It's now over $400.00! their answer is I should have read the contract! NO...they should refuse the damned card if it is going to overdraw the account. I will risk the embarrassment...

I too have had a lot of trouble with Compass Bank. Their deposit, and posting policies are all designed in favor of the bank, and not in favor of the customer. For example, if you have a balance of $20, and you write a check on Tuesday for $5, and then the $50 automatic withdrawal for your car insurance comes out on Wednesday (2 days earlier than normal), and then you deposit $35 to cover the overage, plus $38 to cover the NSF charge, plus $5 to cover the check you wrote on Tuesday ---NONE of your deposit will post until midnight (even if you make it at 8:01 on Wed morning). So, if the $5 check you wrote on Tuesday clears before midnight, you are stuck with another NSF charge of $38! Nevermind the fact that the bank has your money! Nevermind the fact that you have given them enough money to cover all your debts! Since it doesn't POST until midnight, you are out of luck if something else comes along and is "pending" before midnight!

As soon as all my automatic payments and other stuff clears, I am closing my Compass account. I've already opened an account at a locally owned bank, so I don't have to deal with Compass' mess! Besides, I hear that they have sold out to some bank in Spain. I don't want a big corporate bank in the US handling my money, much less one in Spain!

Compass bank charged several incorrect late fees on my credit card bill, I told them this was incorrect and that I would pay the balance off if they would remove the late fee charge, they refused.

I tried to get them to work with me over a period of six months, they continued pileing on the late fees adding about 300.00 in bogus charges.

Compass Bank refused to work with me and forced me to get the Better Business Office involved in the dispute. Compass eventually corrected their mistake,agreeing to the original amount owed but sent damaging information to the credit bureaus, thus doing damage to my credit.

They refused to correct the damaging information sent. The company REP'S that I dealt with were very unprofessional and rude, they have very nasty tactics when dealing with people, but they are all very nice when trying to get the consumer to use their credit cards.

I know they are a very large and established company, but word of advice, this is a nasty greedy, cut-throat company, do dot get involved with them.

Compass Bank-PO Box 2210, Decatur, AL. 35699

They closed my account I can't get my tax refund and my weekly pay check.

THIS PREDATOR HAS FOUND A NEW WAY TO PREY !
Shocking that for so long COMPASS BANK has gotten away with outrageous banking precedures that line their pockets as they steal daily from their depositors through the process of debits first and then deposits causing overdrafts... HUGE OVERDRAFT FRAUD! Shocking as well is the number of compliants on the internet and this fraudulent practice has not gotten the attention of the Federal Banking Commission. Now that the mortgage fraud has so much light on it, THIS PREDATOR HAS FOUND A NEW WAY TO PREY!
TERRIBLE! CRIMINAL! ABUSIVE!
COMPASS BANK debited $5 each month from my savings account for (fees?) each month until the account was empty and then charged fees for an empty account and then charged another overdraft fee for that!
This bank is a SLOT MACHINE ... putting money in and none comes out!
LOOK OUT! YOU HAVE BEEN WARNED!

Write a cease and desist letter. Example: This is a cease and desist letter stating that you stop all phone calls to my home and employer.

Under Federal Debt laws. Buy something to record the phone calls and if they are calling your cell phone get a detailed list of calls that will show calls coming in at different times.

You can sue them under federal law starting at 500, 000 and up for unethical practices. We are going to sue for unethical practices with another institution. It is ridiculous.

Document, document, document. Have another employee as a witness or manager listen in to testify for you to prove they are harassing. Make sure you send this letter certified so you will have proof they received your request. They will send a letter back, or should stating all calls made to the numbers you listed will no longer take place.

GOOD LUCK!

Richard,

In accordance to the FTCPA (Fair Debt Collections Practices Act) which is governed by the FTC and is also mandated by ANY crediting agency(ie. banks, merchants, schools, etc... ) no creditor can call any consumer regarding anything (unless specifically told to do so by the consumer) prior to 8am or after 9pm at the consumers time zone. Also, if specific times for contact were provided by the consumer, that is the only time any creditor can call. Further more most states have exact laws on contacting a consumer at work, and the most any state allows is 2 times a week IF THERE ARE NO OTHER VALID CONTACT NUMBERS!

If at any time the consumer and/or the place of employment states do not call-especially if the calls will jeopardize their jobs, the creditor must cease all calls immediately and list as such.
Contact AZ Dept of Financial Institutions at [protected] or [protected] and the AZ State Attorney Generals office to file a formal complaint.

I am a collections agent for a national collections agency and I was a bank operations specialist for 10 years with a major interstate bank. I too have a plethora of problems with Compass. They will continue to screw people, they practice 'breakage' techniques. This is where they will bounce you between departments to resolve issues, then never come through on promises, illegally charge NSF, OD and service charges because they figure the consumer will become frustrated and 'give up'. Bank rule #1 there is no problems with anything until someone says there is. Please file a complaint-either agency will walk you through the how too's.