Consumer complaint received 2021-05-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BBVA FINANCIAL CORPORATION (CA)

To whom it XXXX concern : My name is XXXX XXXX, I would like to file a complaint, and even file a lawsuit against the bank BBVA or BBVA Compass whichever they continue to go by. My complaint is about the constant double charging that is being taken out of my account. If there is a transaction and the initial day is the 4 then why am i getting posted pending transactions, and more of my money is being taken out and it's showing that it was taken out on the initial day but again after posted to account. This is why you dont a double charge because they can jus take it out again whenever they are ready to post transaction, and if this is not what it sound likethen why do I end up in a negative ; or why does it take five to a day to process a transaction if the money is being taken already out. It's so either the bank or the merchant can double charge we and i think its the bank, because it states on there, Processing times of your transactions will differ depending on how the transaction was conducted ; for example, the system will process certain electronic transactions immediately, as they occur, however, other transactions, such as check transactions can not be processed until the bank receives the check for processing. So none of my transactions are used by checks and there are instances where the same merchant will take 5 processing days post authentication that same day I made the transaction. They also state Your Posted Balance is your account balance based solely on items that have been posted to your account and does not reflect any holds placed on your account., that doesn't make any sense cause so if there hold still that mean that the hold that is being discussed can be taken out again after posted to account The way that it is going about is by whenever a transaction happens instead of the transaction saying post transaction is says pending and i notice that while the payment is pending they are allowed to not only take out the payment but also take it out again, and this way it doesn't look that my account is getting double charged but in reality it is, either through my bank or the merchant. Either way I would like my money back, so once the transaction starts it takes the money out also it goes into pending and then when it is posted the same amount is being taken out again that is how the double charge is not noticed and that it can happen over and over again. I called the bank and they just hung up on my and the dates in question are ; XX/XX/XXXX DEBIT FOR CHECKCARD XXXX {$8.00} XXXX 'S XXXX XXXX XXXX CA XX/XX/XXXX CREDIT FOR CHECKCARD XXXX {$6.00} XXXX XXXX XXXXXXXX XX/XX/XXXX DEBIT FOR CHECKCARD XXXX {$26.00} XXXXXXXX XXXX XXXX XXXX CA XX/XX/XXXX DEBIT FOR CHECKCARD XXXX {$4.00} XXXXXXXX XXXX  XXXX XXXX CA XX/XX/XXXX DEBIT FOR CHECKCARD XXXX {$3.00} XXXX XXXX  XXXX CA XX/XX/XXXX DEBIT FOR CHECKCARD XXXX IN {$7.00} XXXX XXXX XXXXXXXX XXXX XXXX CA XX/XX/XXXX DEBIT FOR CHECKCARD XXXX {$4.00} XXXX XXXXXXXX CA XX/XX/XXXX DEBIT FOR CHECKCARD XXXX {$1.00} USPS CHANGE OF ADDRESS XXXX TN XXXX DEBIT FOR CHECKCARD XXXX {$4.00} XXXX XXXXXXXX CA XXXX DEBIT FOR CHECKCARD XXXX {$25.00} XXXX XXXX XXXX XXXXXXXX CA XX/XX/XXXX DEBIT FOR CHECKCARD XXXX {$8.00} XXXX XXXXXXXX XXXX # XXXX XXXX CA XX/XX/XXXX DEBIT FOR CHECKCARD XXXX {$22.00} XXXX XXXX XXXX XXXXXXXX CA XX/XX/XXXX DEBIT FOR CHECKCARD XXXX {$7.00} XXXX XXXX XXXX XXXX XXXX CA XX/XX/XXXX DEBIT FOR CHECKCARD XXXX {$8.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XX/XX/XXXX DEBIT FOR CHECKCARD XXXX {$20.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XX/XX/XXXX DEBIT FOR CHECKCARD XXXX {$11.00} XXXX XXXX XXXX XXXX XXXX CA XXXX DEBIT FOR CHECKCARD XXXX {$9.00} XXXX XXXXXXXX XXXX DEBIT FOR CHECKCARD XXXX {$1.00} XXXX XXXX XXXX XXXXXXXX CA XX/XX/XXXX ATM WITHDRAWAL - XXXX VISA XXXX {$20.00} XX/XX/XXXX CARD XXXX ATM -AT XXXX XXXXXXXX XXXX XXXX CA XX/XX/XXXX CHECKCARD PURCHASE - XXXX XXXX XXXX XXXX {$5.00} VISA XXXX CARD XXXX POS -AT XXXX XXXX XXXX XXXX CA XX/XX/XXXX CHECKCARD PURCHASE - XXXX VISA {$5.00} XXXX CARD XXXX POS -AT XXXX XXXX XXXX XXXX CA XX/XX/XXXX DEBIT FOR XXXX XXXX {$2.00} XXXX XXXX XXXX XXXX  CA XX/XX/XXXX XXXX FEE {$0.00} XX/XX/XXXX DEBIT FOR CHECKCARD XXXX {$25.00} {$0.00} XXXX XXXXXXXX XX/XX/XXXX DEBIT FOR CHECKCARD XXXX {$25.00} XXXX XXXXXXXX XX/XX/XXXX DEBIT FOR CHECKCARD XXXX {$15.00} XXXX XXXXXXXX XX/XX/XXXX DEBIT FOR CHECKCARD XXXX {$20.00} XXXX XXXXXXXX XXXX DEBIT FOR CHECKCARD XXXX {$25.00} XXXX XXXXXXXX XXXX DEBIT FOR CHECKCARD XXXX {$15.00} Switchere XXXX XXXX DEBIT FOR CHECKCARD XXXX {$35.00} XXXX XXXXXXXX XXXX DEBIT FOR CHECKCARD XXXX {$51.00} XXXX XXXX XXXX XXXX CA XXXX DEBIT FOR CHECKCARD XXXX {$3.00} XXXX XXXXXXXX XXXX XXXX CA XX/XX/XXXX CHECKCARD PURCHASE XXXX XXXX XXXX # {$21.00} VISA XXXX CARD XXXX POS -AT XXXX XXXX # XXXX CA XX/XX/XXXX CHECKCARD PURCHASE - XXXXXXXX XXXX VISA {$18.00} XXXX CARD XXXX POS -AT XXXXXXXX XXXX XXXX  CA XX/XX/XXXX CHECKCARD PURCHASE - XXXX XXXX {$15.00} VISA XXXX CARD XXXX POS -AT XXXX XXXX XXXX CA XX/XX/XXXX CHECKCARD PURCHASE - XXXXXXXX XXXX XXXXXXXX {$21.00} VISA XXXX CARD XXXX POS -AT XXXXXXXX XXXX XXXX CA XX/XX/XXXX CHECKCARD PURCHASE - XXXX XXXX XXXX XXXX {$62.00} VISA XXXX CARD XXXX POS -AT XXXX XXXX XXXX XXXX CA XX/XX/XXXX CHECKCARD PURCHASE - XXXX XXXX XXXX XXXXXXXXVISA XX/XX/XXXX DEBIT FOR CHECKCARD XXXX {$39.00} XXXX XXXXXXXX XX/XX/XXXX DEBIT FOR CHECKCARD XXXX {$14.00} {$0.00} XXXX XXXXXXXX XXXX CHECKCARD PURCHASE - VISA XXXX XX/XX/XXXX {$23.00} CARD XXXX POS -AT XXXX XXXX. Visa XXXXCA XXXX CHECKCARD PURCHASE - XXXX  XXXX XXXX, XXXX {$15.00} VISA XXXX XXXX XXXX POS -AT XXXX XXXX XXXX XXXX CA XXXX CHECKCARD PURCHASE - VISA XXXX XX/XX/XXXX {$14.00} CARD XXXX POS -AT XXXX XXXXXXXX Visa XXXXCA XXXX DEBIT FOR CHECKCARD XXXX $ XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  CA XXXX XXXX FOR CHECKCARD XXXX $ XXXX XXXX 'S XXXX XXXX  CA XXXX DEBIT FOR CHECKCARD XXXX {$3.00} XXXX XXXX XXXX XXXXXXXX XXXX  CA XXXX DEBIT FOR CHECKCARD XXXX {$6.00} XXXX 'S XXXX XXXX CA XXXX DEBIT FOR CHECKCARD XXXX {$22.00} XXXXXXXX XXXX XXXX XXXX CA The List goes on to sum up of a total of {$1900.00} thats not including insufficient funds and all of the month of XXXX. And also items that were returned without my knowledge and overdraft payments Iwill attach all the documents that can support everything, and thank you for your time.