Last year the child support I receive for my daughter was stopped because the Navy Department erroneously thought my ex-husband was deceased. The check had been going direct deposit. The Navy did not inform me of the stoppage. I had automatic withdrawls for life, health and car insurance coming out of the account. That was all it was being used for.
When the account went overdrawn it took 3 weeks for the bank to send me a notice.By then the insurance carriers had re-submitted for payment, 2 additional times. Each time Compass charged me $35 NSF charges. They also added an additional $6 a day for a month for overdraft charges. WHen I found out what happened I contacted the bank. Could not contact the local branch as they were closed down.
I contacted the 800 number and spoke with customer service. The only "help" I got was to be told that they only charge the additional $6 for 30 days (that's an additional $180 on top of the other NSF charges - by this time 9 x $35, or $315, which takes the total to $485).
They turned the account over to TRS Telecheck services for collection, even though I contacted them 3 more times to try to get it resolved. Had I known about the problem when it first occurred, I could have stopped the automatic withdrawls. Somehow, by the time it went to TRS I was owing over $600. When a child support check did manage to go to the account, which was closed because the offices were closed, they (Compass) kept it and applied it to their NSF charges. I have been unable to pay the fees to TRS and therefore cannot write checks anywhere that uses Telecheck services (like Walmart).
I have tried to contact them by email also and have never received a reply. The person in the customer service department just giggled when she said they only charge the additional $6 for 30 days. That $180 would have bought my daughter's lunch at school for the whole school year (180 days at $1 a day).
Even the person at TRS I spoke with has said they have received many complaints about Compass.
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