I opened a bank account with Compass Bank on 03/01. Everything was fine, went and deposited my paycheck got all my paperwork... I was a happy camper. Then I enrolled in Direct Deposit. What a mistake that was.
The first Direct Deposit I had was on 03/31 for the amount of 475.50 (one week's paycheck). I called to make sure the money was there, they told me my available balance and I thought I was good to go. I even double checked the website and it told me my available balance. I assumed with all my calculations with my checkbook that everything was right, but I noticed that my ledger was 124.01 off from what it should be... Strange... I called compass and they loved telling me that well, my check was "pending" (their favorite word I have come to find out) and that it would be corrected. WRONG! I have been charged NSF fees in the amount of $380.00 when the money has been more than there. I have deposited over $2700.00 in the past month in the account and they have bounced things. This was the time I was taking things in to my own hands.
Instead of marching into the branch that I originally opened the account at (they weren't helping along the way, and refered me to the customer service line. Come on, I have worked in a call center before, we all know that the person who states they are working for Compass Bank are actually working in a wonderful call center somewhere. No fault on them, but there really isn't anything they can do.) So today I walked into the big branch (not located in a supermarket) and brought in all my paperwork. Down to every last detail. Yeah for me!
First it was the same old, "Everything takes time", "Day late, dollar short", "Things are pending" Alright... Fair enough. So I asked for their TIME RECORDS, of transactions. Well, they stated, "We don't have that" Oh... You don't?! Then how can you possible tell when things come in. When the are pending and when it was credited or debited?! I was met with a blank stare from her. I told her that I was filed a report with the Attorney General in Alabama (which I did) and that I was going to sue. She printed out a transaction record and then told me the following: "You are such a valued customer that we are going to take the NSF fees off. Then come to find out that the original 475.50 that my work had direct deposited in the account was not what Compass Bank credited was only 350.49!!! Ripoff!!! I have the report from the bank! I have the proof! Ha, Ha!
And they are crediting my checking account with all the NSF fees. Why would they credit the NSF fees if they were actually legit? Hmmm... Makes you wonder.
Also, for all those out there who think that Direct Debit and Direct Deposit are instantanious? Well, hate to burst your bubble, but from the horses mouth at the main branch in Tucson, Arizone (horses mouth a.K. A manager) Debits pend for 4days!!! I was NEVER told that when I opened the account and though you deposit funds by a certain time and they should be ready by 12am the next night/morning if put in before 3pm... I mean your avialble balance when you call the customer service line states that as well as the website, well WRONG AGAIN! It takes 4 days to pend!!! Ridiculous!!! I asked if this happens because Compass Bank is not an "online bank" (that's how they put it) and she stated quite simply..."Well, most likely"
Luckily for me that I had them by the balls. I had all the documentation and they had NOTHING. My account is already being credited (I know, it is still a pending credit) but it will be happening. I feel sorry for all the elderly and those not as wise to keep such close track of their accounts.
When you walks into the branch's here in Tucson, it states on their signs "Do The Math". Well, I did Compass, and you were wrong, deceptive and stole from me. I can't imagine to think what I would have done if I hadn't kept such good track. Let them do the math? Not hardly. I did and they were charging NSF fees by the carload. I am keeping $1.00 in my checking and savings account with Compass until the 180days have past so I don't have a "closing account fee" and have now opened a bank account with. Funny, how nothing is pending now. Direct Deposit and Direct Debit with Compass Bank aren't so direct it seems. Live and Learn and change your bank (if you have Compass)
Danielle
Tucson, Arizona
U.S.A.
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