I initially went with BBVA because the rates are great, but have since cancelled my application to go with another lender. The customer service was horrid. I had submitted most of my information and could not get a rate lock for several days. With the competing lender, I received a rate lock just as good as BBVA within 30 minutes.
The rate lock was not the only issue. On several occasions my contact told me he would return my call/complete some task that needed to be done, but not once did he follow through. These tasks included notifying the seller's agent that I had applied for the loan (as need per the contract) and issuing a pre-approval letter rather than a pre-qual letter. I could not even get BBVA to issue a pre-qual letter to me for an exact amount I requested, even after they had issued one for a higher amount!
I've been with them for 8 years now and they have always been willing to work with me. No maintenance fees or any other ones to keep my account. Make sure you tell them you like to be opt out from spending money you don't have and you will never receive an overdraft fee from them.
I banked with BBVA Compass back in 2012 for less than a year. My experience with them in just a few months was AWFUL! From miscellaneous charges here & there to unprofessional service (or lack thereof) to random holds on payroll and direct deposit items. They reduce your balance when you pay a bill, then it disappears for days, then reappears when it's convenient to charge you for an NSF fee. I had also been scammed by an internet company and despite my proof that the charges were not mine. They did not refund me the scammed amount nor the NSF fees that I incurred because of it. I'd had enough. So, in Feb 2013, I marched into the branch and asked to close my account. That process took damn near an hour, but they handed me the remaining balance of my checking account and I was on my merry way. Problem solved? WRONG!
Fast forward to today (8/2014) I get a phone call from a random guy in NY named Steve Gavin who did not identify his company. He stated that he has paperwork filed in my county in TX for fraud charges against me regarding that Compass Bank account. He gave me a docket number, claims I owe over $1500 and if I do not respond back to him immediately, I will lose my right to represent myself at a hearing which, by the way, is in three business days. WHAT?! I've never been served any court summons? I immediately called my county courthouse and gave them this "docket" number which turns out wasn't a valid docket number at all. How could I owe $1500 on a closed account from a year and a half ago? I don't write checks and there was no outstanding bill pay or ach items. I'm infuriated, so you better believe I'm contacting my attorney and getting to the bottom of this.