Consumer complaint received 2020-06-21
Company: BBVA FINANCIAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
THIS IS HEREBY LEGAL NOTICE THAT BBVA COMPASS BANK HAS WRONGFULLY DELIBERTLEY AND ILLEGALLY WITH THAT OF FORETHOUGHT AND INTENT. 

BBVA BANK CLOSED MY CHECKING AND SAVINGS ACCOUNTS YESTERDAY MORNING DURING THAT OF AND FOR FILING SEVERAL VALID DISPUTE CLAIMS, WINICH IS IN DIREECT VIOLATION OF THE FEDERAL FAIR CREDIT BILLING AND REPORTING ACT, REGULATION E, THE FEDERAL AND MINNESOTA STATE ELECTRONIC FUNDING TRANSFFERD ACT,  AND THAT OF F.D.I.C RULES AND REGULATIONS AND LAWS. AND MINNSOTA STATE BANKING LAWS. THE LAW CLEARLY STATES THE BBVA BANK, MY NOT THREATEN TO NOR TAKE ANY ACTIONS THEREOF TO RESTRICT IN ANYWAY NOR, CLOSE AN ACCOUNT DURNIG THAT OF ANY VALID DISPUTE PROCESS OR, FOR FILING ANY VALID DISPUTE CLAIMS. 

FURTHER BBVA BANK CLOSED MY ACCOUNT YESTERDAY XX/XX/XXXX, AT APPROXIMATELY XXXX. THIS IS ALSO IN DIRECT VIOLATION OF BOTH FEDERAL AN STATE BANKING LAWS. WHICH CLEARLY STATES IT IS REQUIRED TO GIVE THE CUSTOMERS NO LESS THE 60 DAYS NOTICE IN WRITING BEFORE ANY FORCED ACCOUNT CLOSURE BY THE BANK FOR ANY REASONS. 

THIS THE IS NOW THE THIRD TIME BBVA, HAS TRIED TO CLOSE MY ACCOUNT. THE FIRST BEEING IN FEBUARY THIS YEAR AFTER COMPLAINING ABOUT THE BBVA NOT APLYING PROVISIONAL CREDIT FOR THE FILED DISPUTE FOR XXXX {$110.00}. WHICH AFTER CONTACTING THE OFFICE OF THE CFO, XXXX XXXX, AND HIS EXEUTIVE ASISSTANT XXXX XXXX. DUE TO BBVA, REFUSING TO APPLY PROVISSIONAL CREDITS AND THE REVERSING OF DISPUTES AND CREDITS WITH OUT PRIOR NOTICE OF THE MERCHANT OR PROVIDING ME WITH THE MERCHANT REPONSE, THIRTY DAYS OR LESS LATER. ALL OF THE ABOVE ACTIONS WERE VIOTIONS OF FEDERAL AND STATE BANKING LAWS. 

THIS WAS A COMMON PRACTICE BY THAT BBVA, FOR ANY AND ALL FILED DISPUTE CLAIM WITH THAT OF THE BANK. I HAD CONTACTED BOTH MS. XXXX, AND XXXX XXXX, WITH BBVA CLIENT CARE SOLUTIONS, YESTERDAY XX/XX/XXXX BY TEXT AND EMAIL. THE ONLY RESONSE I RECEICED BACK WAS FROM MS , XXXX, WITH A ONE LINE SENTENCE INFORMING ME TO OTAIN MORE INFORMATION ABOUT MY ACCOUNT CLOSURE BY CONTACTING THE FRAUD DEPT. WITH AN PHONE NUMBER TO CALL. 

I SPOKE TO THE FIRST REPRESENTATIVE WHO STATED QUITE STRONGLY THAT YOUR ACCOUNT WAS CLOSED BECAUSE YOU FILED TO MANY DISPUTES I REPLIED BACAK THAT THE LAW DOESNT STATAED A LIMIT OD HOW MANY DISPUTES I AM ALLOWED TO FILE. I FURTHER INFORMENT HER THAT THE CLOSING OF MY AACOUNT FOR THAT REASON WAS AN CLEAR VIOLATION OF BOTH FEDERAL AND STATE BANKING LAWS. AND THAT BY THAT SAME FACT MEANS THAT ALL OF THE REMAINING PENDING DISPUTE CLAIMS UNRESOLVED MUST NOW BE RULED FINAL AND IN MY FAVOR. AND THAT THE CLAIMS WITH NO PROVISIONAL ADDED ARE PAYABLE NOW IN FULL. SHE AGAIN STATED THIS WAS NOT THE LAW. I REPLAIED AGAIN AND INFORMED THE REP. THAT SHE WAS IN FACT WRONG. 

I DEMANDED TO SPEAK TO THE EXECUTIVE OVER HEER FRAUD DEPT. SHE REFUSED SEVERAL TIMES. I INFORMED HER AGAIN THAT SHE WAS IN VIOLATION OF THE FEDERAL FAIR CREDIT BILLING AND REPORTING ACT. BY REFUSING TO PUT ME THROUGH TO HER SUPERIORS. SHE THEN PUT ME ON A LONG HOLD, LATER A OTHER WOMAN CAME BACK ON THE LINE, SHE IDENTIFIED HER SELF BY THE NAME OF ONLY XXXX THE DEPT. MANGER, I RETIERAATED TO HER THAT BBVA, WAS VIOLATING THE LAW WITH CLOSING OF MY ACCOUNT. WITH OUT THE REQUIRED 60 DAYS NOTICE, AND DURRING A VALID DISPUTE CLAIM PROCESS. 

I FURTHER INFORMED HER THAT ALL DISPUTES FILED ARE NOW AND IMMEDIATELY FINAL AND CONCIDER IN THAT OF MY FAVOR AND ANY DISPUTES WITH NOT GIVEN AND RECEIVED PROVISIONAL CREDIT FOR ALREADY BACK TO MY ACCOUNT ARE PAYABLE NOW IMMEDIATELY ALONG WITH THE BALANCE OF BOTH MY CHECKING AND SAVINGS ACCOUNTS. I ALSO DEMANDED AN IMMEDIATE COPY OF MY ACCOUNT STATEMENS BE EMAILED TO ME SHOWING MY ACCOUNTS BALANCES AS OF TODAYS DATE XX/XX/XXXX. SHE REPLIED AND REFUSED ALL OF MY STATED DEMAND AGAIN I REITERATED SHE WAS VIOLATING THE LAW. SHE STATED AND REPLEID SHE WAS NOT. AND INFORMED THAT BBVA SECURITY DEPT. WOULD BE ISSUING ME A CASHSIERS CHECK FOR THE REMAINING AMOUNT BALANCES ON MY ACCOUNTS THE FOLLOWING DAY XX/XX/XXXX. 

I ALSO INFORMED HER THE MY MAIN SOURCE OF INCOME IN FROM THAT OF SOSCIAL SECURITY AND BBVA, SEIZING OF THE MY ACCOUNTS AND FUNDS IS INFACT AN FEDERAL CRIMINAL OFFENCE. I RECEIVED A CALL FROM MS XXXX XXXX, FROM THE FRAUD DEPT. THIS MORNING XX/XX/XXXX AT XXXX. AFTER LEAVING AN VOICEMAIL WITH XXXX XXXX, ASSISTANT TO THE CFO, XXXX XXXX. 

SHE AKED IF I HAD RECEIVED MY CHECK TODAY. I INFORMED HER THAT I HAD NOT RECEIVED ANYCHECK PAYMENT TO DATE XX/XX/XXXX, I REQUESTED TO KNOW THE AMOUNT OF THE CHECK SHE SENT. SHE REPLIED THAT SHE DIDNT HAVE THAT INFO. I INFORMED HER OF THE THREE DISPUTES THAT MY LAW MUST BE PAID NOW. SHE STATED THAT SHE WAS NOT WILLING TO COMMENT OR DISCUSS PAYMENT ON ANY DISPUTES. I DEMANDED AN IMMEDIATE COPY CHECKING AND SAVINGS STATEMENTS ALONG WITH COPY OF CHECK SENT. SHE STATED AGAIN, THAT SHE WOULD NEED TO SPEAK WITH THE SECURITY DEPT. AND CALL ME BACK TODAY, AS OF XXXX. TODAY I HAVE NOT RECEIVED A CALL BACK OR ANY DOCUMETATION. 

THIS IS HEREBY LEGAL NOTICE THAT BOTH MY CHECKING AND SAVINGS ACCOUNTS ALONG WITH CARDS BE REINSTATED IMMEDIATELY IN GOODSTANDING. AS BBVA, HAD NO LEGAL RIGHT TO RESTRICT, CANCEL NOR CLOSED MY ACCOUNTS. IF BBVA CONTINUE TO REFUSE AND REACTIVE MY ACCOUNTS AND CARDS IN GOODSTANDING NOW AND IMMEDIATELY!!! I WILL BE FILLING MY COMPLAINTS WITH THE FTC, XXXX, FDIC, THE CONSUMER FINANCIAL PROTECTION BUREAU, THE AGO IN MN AND AL, THE FEDERAL OFFICE OF THE COMPTROLLER CURRENCY AND IF NECESSARY I WILL BE FILING CIVIL LEGAL COURT ACTION AND SUING FOR MONETARY, COMPENSATORY, TREBLE AND PUNITIVE DAMAGES. 

FURTHER PER RECEIPT OF THIS CORRESPONDENCE TODAY THIS IS LEGAL ACTION THAT MY IS TO BE REPORTED IN EXCELLENT AND IN GOODSTANDING FOR THE NEXT 7 YEARS TO ALL THE MAJOR CREDIT REPORTING BRUEAU. ANY AND ALL NEGATIVE REPORTING OR INFORMATION WITH REGAURDS TO THE WILLFUL AND ILLEGALLY CANCELLATION AND CLOSURE WITH THAT OF BBVA BANKS. WILL RESULT IN IMMEDIATE CIVIL LEGAL ACTION AND ADDITIONAL DAMAGES. 

RESOVE THIS MATTER IMMEDIATELY NOW AND AS OF TODAY!!! ALL AMOUNTS MONEYS AND FUNDS PAYMENT ARE DUE BACK TO ME IMMEIATELT AND AS OF TODAY!!! 

THIS IS HEREBY LEGAL NOTICE FOR DEMAND OF PAYMENT DUE NOW IMMEDIATELY!!! 

{$1000.00} BALANCE CHECKING ACCT. 
{$9.00} BALANCE SAVINGS ACCT. 
{$56.00} PAID BOX CHECKS {$250.00} DISPUTE CLAIM XXXX {$85.00}, {$170.00}. 
{$340.00} DISPUTE CLAIM XXXX XXXX XXXX. 
TOTAL : {$1700.00} XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX C. XXXX XXXX XXXX, XXXX Cc : XXXX XXXX XXXX XXXX BBVA USA CEO. 
XXXX XXXX, Chief Operating Officer. 
XXXX XXXX XXXX, General Counsel and Secretary.

Company response to consumer: Closed with explanation