Consumer complaint received 2016-04-01
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016 I submitted a complaint to Federal Reserve Consumer Help See Attachments # XXXX " Federal Reserve XX/XX/2016 ... '' and # XXXX " Federal Reserve Case number XXXX ... ''. 
On XXXX XXXX, 2016 I submitted a complaint to CFPB # XXXX " Case number XXXX with response '', yesterday XX/XX/2016 I received an email with the " BBVA '' response, See Attachment # XXXX " Case number XXXX with response ''. On XX/XX/2016 I spoke to XXXX XXXX, and discussed my disapproval of the " BBVA '' -response. I was advised to re-submit my complaint and add my " desired resolution '', although it was filled out in the previous complaint I reenter a new complaint with the hope of a better result, after-all the name Consumer Financial Protection Bureau, indicates that the consumer ( me ) is protected by the Government ( .gov ) from bureaucratic banks ( Financial Protection ). 
HERE IS MY COMPLAINT : I applied on line to open with " BBVA '' a 13 month CD that pays 1.41 % APY. The application offered to fund the XXXX with external account -ACH ( Automated Clearing House ) saves time mailing a check. See Attachment # XXXX " Application '' it is a replica of my original application. 
Although I filled up all necessary fields, it did not go through. Trying again the following day did not have a good result after calling the help line the bank did not offer any help, so I mailed a check ( since I do not keep $ XXXX in my checking I postdated it ). See Attachments # XXXX " check-face '' and # XXXX 'check-back ''. 
About 10 days later, inspecting daily my checking account I noticed that the XXXX was not cashed I called the bank and XXXX XXXX told me that a New-York resident can not open an account with the bank my account is closed and the check will be returned to me by mail. See Attachments # XXXX " XXXX XXXX XXXX - XXXX XXXX ( I will try to upload the XXXX file ). 
Only documentation that I received from " BBVA '' since XXXX XXXX 2016 until today XXXX XXXX, 2016 are Attachments # XXXX " BBVA XXXX XXXX XXXX letter-password reset '' and # XXXX " BBVA deposit XX/XX/XXXX withdrawal XX/XX/2016.XXXX-balance '' I also downloaded from " BBVA '' website Attachment # XXXX " BBVA Download on XX/XX/2016 '' it shows a XXXX balance. Besides the absence of communication from the bank that results in lack of consumers knowledge of his account it shows contempt towards the customer, disrespecting the client, the bank investor is not important to the Bank to take into account, otherwise XXXX XXXX would not wait 14 days to inform me that the bank " reopened the account '' see Attachment # XXXX " XX/XX/2016 XXXX XXXX '' instead of letting me worry " where is my XXXX, that was promised to me by XXXX XXXX that it was mailed on XX/XX/XXXX See Attachment # XXXX " Recorded Conversation on XX/XX/2016 XXXX XXXX. 
On XXXX looking at my checking account See Attachments XXXX, XXXX, XXXX XXXX XXXX - my online checking transactions the bank paid on XXXX the XXXX to " BBVA '' ( page XXXX Attachment # XXXX ) I called the bank and I was asked to prove that the bank cashed my check, See Attachment # XXXX " Recorded Telephone Conversation on XX/XX/2016 XXXX ". In same conversation I was asked to prove that " BBVA '' cashed the check, they actually denied it how can I trust a bank with {$200000.00} that have lousy employees that can not give straight answers for weeks about my account about my check about my account giving contradictory answers about the state of account about cashing the check about having to be resident where there is a BBVA bank. Then after calling him on XX/XX/XXXX a month after my initial contact with BBVA bank ( XX/XX/2016 ) XXXX XXXX nonchalantly tells me that the bank reopened my account. Well, I do not trust an institution that treats me as dirt, lies to me and behaves very unprofessionally. To top off their incompetents when I protested that I do not want an account with a bank that has too many excuses for creating a annoyance, ... continue

Company response to consumer: Closed with monetary relief