Compass Bank compass bank is a ripoff they put over 700.00 worth of nsf funds on me for 1.27 do not bank with them. Jacksonville Florida

well i guess all i can say is i told you so jim i was right i received a letter in the mail from compass bank yesterday and my account was credited back 716.44 so now my balance owed is 0.00. so remember what i said try not to judge people you do not know unless you know them well and know the facts are correct. have a very blessed day.

You are still overdrawn, and to have $700 in NSF's (and growing) that you still haven't worked out to this point is really bad. The process for recording an NSF is still computer-driven, so you didn't have the money you think you did.

When I told you that you lacked the proof - here's how I now know, and by your own words:

'because i told my new bank exactly what they did and showed them the PROOF i have that i copied off my computer from banking with them online...'

I guess they're two things there:

First, online banking only provides you the AVAILABLE balance in the account, not the actual balance. What you need is what the bank says your balance was - these are NOT the same. Accordingly, your online banking statements would not constitute sufficient proof. You need to get what Compass says..... and then fight them using their own statements.

Second, your new bank is in the business of telling you what you want to hear, not what's right. Bankers are sales reps of banking services, and the more you snuggle yourself under their protection, you're more likely to be ripped off. If you want to believe everything your new bank tells you.... you're just setting yourself up for another rip-off.

Compass is not calling because it's their proof that constitutes what's right in this case, not yours, and if you all you have are your online banking statements, it isn't going to fly. If you also think they're not calling is a good idea - they're destroying you without you even knowing it. Try applying for credit somewhere, have them pull your credit report, and you'll see what I mean.

At least I understand the basis of your complaint. Unfortunately, unless you have proof other than the online statements, you're out of luck.

i had to add something else on this to jim i guess out of 244 people complaining about the same thing i am is not telling the truth either, i do not think so, so maybe you need to do your homework alittle better before posting a comment about someone.

well jim,
for one thing i did not have checks with compass bank i only used my check card and another thing not all banks are like them because i told my new bank exactly what they did and showed them the PROOF i have that i copied off my computer from banking with them online so what i am saying is true and that is why they are not calling me anymore because i do have proof. so maybe before you start judgeing people about over drafting in there accounts you need to know them better.
so have a very bleesed day.

Stating, "I had enough money in the account" doesn't mean much to me, and doesn't provide any sort of proof to readers that you weren't overdrawn. I get the fact you feel ripped-off for a $38 NSF fee for a $1.27 check. The problem is not whether you had proof - you need to refute the bank's proof - and it seems hard for me to believe you weren't overdrawn from the other facts you presented. Those NSF fees are computer-driven; somewhere along the line, they showed your account went into the negative and triggered the NSF.

I'm also concerned by switching banks, you'll pretty much run into the same sort of problem - it's inevitable because all banks pretty much work the same way as this one does. I don't know if you looked into a Credit Union but the accounts there are more friendly to the average consumer simply because the customer is also considered to be a shareholder in the Union, and NSF fees have a tendency to be forgiven with more regularity than a bank would. Just a suggestion.

Best of luck to you.

Stating, "I had enough money in the account" doesn't mean much to me, and doesn't provide any sort of proof to readers that you weren't overdrawn. I get the fact you feel ripped-off for a $38 NSF fee for a $1.27 check. The problem is not whether you had proof - you need to refute the bank's proof - and it seems hard for me to believe you weren't overdrawn from the other facts you presented. Those NSF fees are computer-driven; somewhere along the line, they showed your account went into the negative and triggered the NSF.

I'm also concerned by switching banks, you'll pretty much run into the same sort of problem - it's inevitable because all banks pretty much work the same way as this one does. I don't know if you looked into a Credit Union but the accounts there are more friendly to the average consumer simply because the customer is also considered to be a shareholder in the Union, and NSF fees have a tendency to be forgiven with more regularity than a bank would. Just a suggestion.

Best of luck to you.

Stating, "I had enough money in the account" doesn't mean much to me, and doesn't provide any sort of proof to readers that you weren't overdrawn. I get the fact you feel ripped-off for a $38 NSF fee for a $1.27 check. The problem is not whether you had proof - you need to refute the bank's proof - and it seems hard for me to believe you weren't overdrawn from the other facts you presented. Those NSF fees are computer-driven; somewhere along the line, they showed your account went into the negative and triggered the NSF.

I'm also concerned by switching banks, you'll pretty much run into the same sort of problem - it's inevitable because all banks pretty much work the same way as this one does. I don't know if you looked into a Credit Union but the accounts there are more friendly to the average consumer simply because the customer is also considered to be a shareholder in the Union, and NSF fees have a tendency to be forgiven with more regularity than a bank would. Just a suggestion.

Best of luck to you.

Stating, "I had enough money in the account" doesn't mean much to me, and doesn't provide any sort of proof to readers that you weren't overdrawn. I get the fact you feel ripped-off for a $38 NSF fee for a $1.27 check. The problem is not whether you had proof - you need to refute the bank's proof - and it seems hard for me to believe you weren't overdrawn from the other facts you presented. Those NSF fees are computer-driven; somewhere along the line, they showed your account went into the negative and triggered the NSF.

I'm also concerned by switching banks, you'll pretty much run into the same sort of problem - it's inevitable because all banks pretty much work the same way as this one does. I don't know if you looked into a Credit Union but the accounts there are more friendly to the average consumer simply because the customer is also considered to be a shareholder in the Union, and NSF fees have a tendency to be forgiven with more regularity than a bank would. Just a suggestion.

Best of luck to you.

i guess i did not explain my situation right i had enough money to cover my 1.27 in my account and what it is is compass bank will debit your account every 3 days for nsf funds and overdraft charges.

so i was not negative in my account i have proof that i had enough money in my account to cover everything i spent and it is the bank sucking money out of people.

my daughter even is dealing with the same thing i am from compass bank.
and the other bank i have a account with i havent had any problem with them and i have been with them since 2006. so im sorry if you think it is my fault for the over fees compass bank is trying to charge me because it is not

The bank was probably within the terms of their agreement to charge you the NSF fees they did. It also sounds like you might have been overdrawn in the account for more than a month in order to rack up NSF fees of that size, so to claim they ripped you off seems a bit off - in most cases the customer did it to themselves.

You are really in a bad spot right now, because you aren't going to be able to close the old account until you rectify the situation. You are probably going to have to negotiate with someone at the bank because this situation will worsen if you don't address it soon. The NSF fees at the old bank are only going to increase and they will ultimately make certain either (1) they get all your money, in which case you'll probably have to file for bankruptcy, or (2) they will so severly damage your credit that you'll have no way to keep a credit card with an interest rate below 30+%.

I also don't know where you opened another account, and it really doesn't matter because if you do the same thing at that bank at you did at Compass, the same thing will happen to you there and you'll write another ROR about how you were ripped off by your other bank.