Complaint Review: Compass Bank

After my husband failed to make a deposit he promised to make (typical) into Compass Bank on Cooper Street, I went there on Wednesday morning with a $100 check from his account and deposited it. I asked the teller to print or write my deposit. (Bless her tiny little heart - she was not very bright...) She wrote it for the balance amount before the deposit (now, sweetie, WHO does that? Anyway, it's NOT what I specifically asked her to do, but I guess that's why she's a bank teller). I was afraid she might have done EVERYTHING wrong because it seemed a strain for her (that's what you get when you pay idiots a minimum, non-living wage...), so I took a $100 bill out of my wallet and deposited that, too. I asked her, "When will this deposit be credited?" She replied, "Right away." (I think it drained her batteries to make a sentence.) I left the bank thinking I had averted a potential disaster. BUT it appears that the bank and its employees have been carefully trained to POUNCE upon every potential to make those $38 overdraft charges, and they set their greedy little gears in motion and that is exactly what they did! (Thank you to George Bush and his cronies who in May of 2006, under the cover of darkness, passed new banking laws seeing to it that banks do not have to inform you of anything regarding your account and that you have -0- rights as a banking consumer, EVEN though the banks is working ON YOUR MONEY. In fact, it appears that it is totally acceptabel to lie to your face and expect no repercussions whatsoever, because the FAT PIGS (it's not defamatory if it's obviously true) in Congress who have bailed out Wall Street have said that it is okay and that they are protected by some kind of law when they LIE TO YOUR FACE). Even though my account was technically never "in the red" until I looked at it today (and I have looked at it everyday since this occurred) - this happened Wednesday and today is SATURDAY! - Compass bank's online system managed to change my records/balance to reflect and assess not only one $38 overdraft fee, but they have added TWO MORE $38 overdraft fees EVEN though my account is not and has not been in the negative! BTW, the website will not print out a running balance. I suspect that this is so they can contunually manipulate it. SOOooo I took the liberty of taking a picture of it with my cell phone so that they can't try to "gaslight" me regarding what I SAW ONLINE. SHOCKING! As if that is not enough, their employee "Justin" or "Dustin" (he could not be bothered to be more specific) LIED to me and did not do what he promised he would do. In fact, he did the opposite and apparently had them add on TWO more NSF fees! As we frustrated consumers are aware, we have zero access to any business (by telephone and increasingly in person) these days - we have only a 1-800 number. Such is the case here. On Wednesday, Nov. 5, after going online to my account and becoming confused, I called the ONLY number I have, 1-800-266-7277 and got a guy named "Joe." I told him I needed to speak with someone at the Cooper Street branch about why my cash deposit was not showing up and to make sure I had "stopped any hemhoraging" in my account. He transferred me to a guy named "Dustin" or "Justin." I told him about the two deposits I had made earlier that day. I said I'd just looked on line, and not only was the cash not credited, but I had been assessed a $38 fee, even though I got to the bank on time. I explained that when I became a Compass bank customer a year ago, I had chosen an option which would forgive my first overdraft fee, and that I would like for that to be done, please. We talked for a while, 15 minutes at least, and he kept saying he could not find my deposits! I thought that was pretty bizarre and nervy, and I knew something must be wrong (yeh - WITH THEM). Of course, I had the slips with me with numbers, etc., and as soon as he shut up long enough, I was abel to give him the numbers. It took him about 10 minutes (geeez!) to figure our that I had been transferred to the WRONG BRANCH! (How would I know that? The a-hole seemed not to understand that I could not SEE him over the telephone... doink!) I said I appreciated his help, but I was at work and had to have this straightened out, and as I had already tried to do so in person and it seemed I was unsuccessful, I had tried AGAIN oto do so nby phone, HENCE the present conver-f-ing-sation. I stated that I did not have the option of spending ANOTHER HALF HOUR on the phone because I was at work and this was HIS job, and not what I DO for work... (again - DOINK!). But I said if he had to transfer me to the correct branch to get it straightened out, then it was ok. Instead, he said he would call the proper branch (5980 S. Cooper Street, where I bank) and he would have them reverse the overdraft fee, even though he stated that I was supposed to do that in person (how f-ing JUVENILE) and check into why the cash deposit was indeed NOT AVAILABLE after the STULTIFYINGLY STUPID little girl teller with a single (maybe) brain cell had told me that it would be available immediately. (I mean, really, it's cash. Do they have to verify that it's good??) I thanked him very much and hung up the phone and got on with my work day. Of course, I was SHOCKED when I went online again just now and found that EVEN THOUGH I HAVE A POSITIVE BALANCE and have had a positive balance since Nov. 6, they assessed not only ONE $38 overdraft, BUT TWO MORE on November 6th, when it is crystal clear that I had a positive balance. When I opened this account a year ago, I chose the option of having one $38 overdraft fee waived and I had asked that this be done, which is their contractual obligation to do. Instead THEY HAVE ACTUALLY HAD THE AUDACITY TO ADD TWO MORE $38 OVERDRAFT FEES to an account that does not warant any further overdraft fees. AND I CANNOT FOR THE LIFE OF ME FIGURE OUT WHAT THEY THINK THESE MIGHT BE FOR!!!! OR WHAT EXPLANATION THEY THINK WILL SATISFY ME WHEN I ASK on MONDAY WHY THEY HAVE POSTED TWO MORE OVERDRAFT FEES. It's like their "thinking" processes are in the shape of a PRETZEL!! They cannot seem to think their way out of a paper bag! I'm going to see them Monday to see what possible "legitimate" reason they think they have for adding two more fees instead of dismissing the one fee. If I don't like their explanation - and I doubt I will - I think I'm going to "sick" my rabid consumer attorney on them. It should be fun. Want to WATCH?????

Anonymous in Arlington
Arlington, Texas
U.S.A.