Compass Bank - Page 2

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1.5 out of 5, based on 2 ratings and
14 reviews & complaints.

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We Just Want Your Money/ All Of It
Posted by on
SAN ANTONIO, TEXAS -- Dish Network debited $547.61 from my checking account without authorization. I only had $285 in my account. That put me in the negative by $300, but Compass kept on letting the charges come through. Then, Compass Bank charged me another $315 in NSF charges. My account is negative -$732.31.

I asked Compass why they did not stop the debits when my account hit a zero balance. Someone could have stolen my card or my identity, and they would have let them debit. They said since I'm a good customer, they allow me to go under a zero $0 balance a little if I need it (they get the $35 NSF though). That under-the-zero balance courtesy was a negative -$300. That's too much of a courtesy to me.

I called Electronic Disputes for Visa checkcards. They said they would fax me the paperwork to dispute the Dish Network charges, but I had to visit one of their branches. I visited a branch close to work to get the fax. They told me it was my fault anyway, that the funds were debited, because I gave Dish Network my card number to establish service. Since Compass will only take care of your personal issues at the bank you signed up with, I had to take off from work to drive the 20 miles home, because they could not help me at the location 3 miles away. This is a major bank company!

When I got to my branch location, they basically told me, "You started the conversation with Dish Network to get your money back, you finish it, and while you are at it, collect the NSF charges of $315 because we cannot give them back to you. You should have started the dispute process with us first".

I asked them, since you allowed my account to go under balance by a negative -$300, can you give me a provisional loan for $300 until this resolved. They told me no!

So, next time you are tempted by the sign in a Compass Bank lobby window that says, "We are glad you stopped by, come on in", buyer beware.
     
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WENDYBLUE on 2006-09-24:
COMPASS BANK UNBELIEVABLE CHECK HOLDING POLICY...
I received a certified check payable to me from an estate account of a deceased family member. It was from Florida and I live in AZ. I went to cash it and the Compass teller called the Florida bank the check was drawn on and informed me it would clear in 11 business days! What??? Even though it was verified the check was for me the bank felt there was a tiny possibility a certified check could still be stolen or forged. It was from out of state and more than $500.00 and therefore they could delay it that long. This policy was even posted on the fine print of a poster they showed me. Oh well. That was legal all right.
In these days of Century 21 policy with checks clearing immediately anywhere in the country this policy is absurd. Since then I have refused all offers from the bank since this treatment.
Wow80 on 2008-07-09:
I agree with what you are saying. Someone made a purchase to an online site using my bank card and my account went into three overdrafts because 2 items I had purchased earlier had not cleared. So I called them and asked them what was the overdrafts fees for and let them know that I did not make the online purchase. I was sent the paperwork and I faxed it back to them immediately after I received it in the mail and went to the bank to have them freeze my account to stop the daily fees and the lady told me that the fees will be credited back to my account once the issuse has been resolved and now I am getting phone calls saying my account is in danger of being closed and I have been receiving letters and they are still letting the fees accumulate. I hope this matter gets resolved and not cost me for their mistake.
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Cannot sign into my account
Posted by on
SPRING HILL, FLORIDA -- I am having a hard time signing in to my Compass Bank Account. Could you please send me an e-mail to help me to sign in so I can review my account please.

Joan
     
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trp2hevn on 2009-12-10:
Maybe you could try calling them at 1-800-COMPASS
(1-800-266-7277)
Anonymous on 2009-12-10:
There is a link to click if you've forgotten (or having issues) your username/id. Click on that. It will give you and either/or option of putting your account number in or email address they have on file. Try doing that option. Or, there's an 800 number you can call for customer service (compasspc and mycompass)... 1-800-273-1057.
If the first option doesn't work, trying calling customer service for help.
Hope you can log in soon. :-)

Anonymous on 2009-12-10:
Here's a thought: get up, pick up your car keys and drive to your local branch, where someone can show you how to use the online banking site. I'm pretty sure that you're not going to resolve it with the bank by posting it here.
PepperElf on 2009-12-10:
good point ken
as long as you have your ID it's easier to prove it's you in person
disgruntled on 2013-05-24:
Whenever logging into your Compass Online Banking make sure that the address in your URL field shows https// before the address. If the letter "s" is not there then it's possible for other people to learn what your user ID or nickname is. If the "s" is not there call corporate and complain
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NSF 8 days after
Posted by on
SAN ANTONIO, TEXAS -- Compass bank will not contact you till 5 to 8 days after you are charged $38 for a nsf, so you are then hit with countless others, I call them and was told that's the way we operate
     
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Anonymous on 2009-08-18:
Or keep a check register, that way there won't be any overdrafts or nsf fees. As well as having the check register, get online banking so you can check your account every day to also keep yourself in check. Granted the online banking doesn't show everything; that's what the register is for. The bank will send you a notice in the mail that you've overdrafted, but really it's up to you to keep your balance in check, not the bank.
Suusan B. on 2009-08-18:
bearkatkitten: Thank you for taking over for me in attempting to explain to people how to maintain a checking account. I've simply run out of steam for this issue at the moment. Let me know when you need a break and I'll type CHECK REGISTER until you're ready to give it another go!
Anonymous on 2009-08-18:
You got it, Suusan. :-)
madconsumer on 2009-08-18:
I used to do as bearkitten does, until I got stalked by all the bank haters. it is funny you all can same the thing as I, and you never get stalked.

*weird*
Anonymous on 2009-08-18:
You've been a member for 2 years and some change. I've been a member for about a month. I'm sure my stalking will commence eventually, mad.
And yet, I will stick my guns... what I say has always worked for me and I will stick to it. Even when I was at a credit union, still did the same thing.
madconsumer on 2009-08-18:
amen sister!!
Anonymous on 2009-08-18:
I used to have an account at Compass bank, and their automated system would alert if I overdrew my account the same day.
old fart on 2009-08-18:
I cannot believe the number of people who kite checks and then try to blame the banks for the overdrafts...

Playing the "float game" worked many years ago before electronic banking came into usage but since then, it's been financial and "legal suicide " to try...

STOP TRYING TO SPEND MORE MONEY THAN YOU HAVE!!!
Anonymous on 2009-08-18:
Compass bank would let me overdraw my account up to $400. I have Wells Fargo now and they don't let me overdraw even a few dollars.
Eloise on 2009-08-18:
Why does the bank have to call you? They aren't your parents.
PepperElf on 2009-08-18:
I don't know of ANY bank that calls you when you overdraft

I think most banks assume that if you're adult enough to have your own account you're adult enough to get by without them holding your hands and calling you up to say "sonny you're out of money, stop spending"
Anonymous on 2009-08-18:
Hey little, is Compass still giving you trouble.?
Anonymous on 2009-08-18:
I went into a brach and talked to a manager, but he refused to help me, so I still owe them all that money and I still refuse to pay.
Anonymous on 2009-08-18:
Have they taken it to collections.
Anonymous on 2009-08-18:
I haven't heard from any collection agency yet.
madconsumer on 2009-08-18:
oh no yaya, hopefully IT WON'T BE NCO!!

lol
Anonymous on 2009-08-18:
*knocks on wood*
Anonymous on 2009-08-18:
*zips back up*
madconsumer on 2009-08-18:
c2o, that is not the way to earn stars.
Anonymous on 2009-08-18:
*washes hands*
Anonymous on 2009-08-18:
Thanks mad. I forgot my purpose here. lol.

madconsumer on 2009-08-18:
your purpose is to cause discontent and mayhem. and be my cyber sex slave.
Anonymous on 2009-08-18:
Man, am I ever up for that!
Eloise on 2009-08-18:
I just bet you are C2O. Down big boy down!
madconsumer on 2009-08-18:
but up is better .....
Anonymous on 2009-08-18:
Then up it will be. Sorry Eloise, but up is just easier. lol
yoke on 2009-08-18:
Why did you not know you bounced a check before the bank told you. That is a long time not to check your balance.
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Incorrect information sent to credit bureaus
Posted by on
DECATUR, ALABAMA -- Compass Bank-PO Box 2210, Decatur, AL. 35699,

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 damageing information to the credit bureaus, thus doing damage to my credit.

They refused to correct the damageing information sent. The company REP'S that I delt 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.

     
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tnchuck100 on 2006-12-08:
If you have documentation from Compass admitting the error then you need to file a dispute, in writing, to the credit bureaus. Enclose copies of your documentation. Send it certified/rrr. Demand they tell how they verified the information. If they fail to remove the incorrect information, sue them in small claims court for FCRA (Fair Credit Reporting Act) violation.
See http://www.ftc.gov/os/statutes/031224fcra.pdf
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