BBVA Compass Bank Account Or Service Complaint

BBVA Compass Bank account or service department,

Checking account Using a debit or ATM card California

On - -, 2016 I went online to my bank account with BBVA Compass Bank, - -, CA. I observed that I had charges that had been deducted from my account that I had not made. I immediately telephoned my bank and was told by the first representative, who was in - -, that I should contact the vendor about these charges. I was appalled that I was not referred to the Fraud Department and instead was told that until the charges left the Pending category and moved into Posted that I would not be able to dispute the charges. Today, - -, 2016, - of the charges have posted. I again called the bank and was referred to Disputes. I was also told that it would take 10 business days to return my funds to my account. I would like to file a complaint because I feel this is extremely unfair that a consumer must follow rules and regulations that are obviously in favor of the banking institution. My bank gets to float on my money. I find this unacceptable. When I use my debit card, charges are immediately taken out of my account. If I get a credit for charges placed on my debit card the bank gets to float on my money until they decide to return said funds. Again, I must complain that this is unfair to the consumer, me, and I want to make a formal complaint.