Date Received: 2023-02-19
Issue: Other transaction problem
Subissue:
Consumer Complaint: This description is an amendment to complaint XXXX. The case was incorrectly closed. The responding bank USAA responded to my complaint but did not resolve it, despite my twice following up per their instructions in order to remedy the matter. In addition to the information already contained within complaint XXXX, I submit the following : On XX/XX/2022, I filed an XXXX complaint and generated case # XXXX. In response to the complaint, on XX/XX/XXXX I received a phone call from USAA representative XXXX XXXX who identified herself as calling from the CEOs office. XXXX XXXX explained that in order to attempt to resolve the matter described in case # XXXX, USAA required a letter of indemnity from the sending bank XXXX. I spoke with XXXX XXXX which agreed to send a letter of indemnity but advised that they required a formal request from USAA to do so. I left two messages for XXXX XXXX at USAA on XX/XX/XXXX and XX/XX/2022 explaining next steps. I received no response to either message. No request for a letter of indemnity has been made by USAA to XXXX and the matter remains unresolved due to USAAs inaction. USAA has to date made no effort to retrieve the funds from the wrong recipient. I am asking that USAA submit a formal request to XXXX for a letter of indemnity to seek resolution.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OR
Zip: 97213
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: The Credit Card Accountability Responsibility and Disclosure Act of 2009 outlines that any amount made over the minimum payment should go to the highest interest balance on the card, then 2nd highest and so on. My bank, USAA Federal Savings Bank, is not doing that with their XXXX XXXX card that I have. I recently transferred a balance at 0 % interest in XX/XX/XXXX and also had a cash advance for overdraft protection and some purchases with interest of 20.15 % that month. When I made my payment in XX/XX/XXXX to cover the previous months cash advance and purchase balances to leave the 0 % balance transfer amount, they applied the payment of around {$1500.00} to the 0 % balance 1st and which left around {$1500.00} balance combined from cash advance and purchases being hit with 21.65 % interested which is evidenced on my XXXX, XXXX, and XXXX invoices! This is illegal as per the Card Act of 2009! Ive attached invoices from XXXX - XXXX so you can see the history of transactions and how payments have been applied. The illegal interest amounts began on XXXX invoice after my {$1500.00} payment was applied illegally to the 0 % interest card 1st, leaving {$1500.00} of balance receiving the higher interest rate illegally.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33021
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XX/XX/XXXX I opened a auto loan with USAA Savings bank in XX/XX/XXXX the bank closed the account without notification and reopened a second loan without authorization closing the original loan. The second loan opened in XX/XX/XXXX after the first loan was closed was opened without notification or authorization. This account activity has been investigated by FCRA and USAA has been fined for such activities.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27407
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: XX/XX/XXXX - XX/XX/XXXX, I was a victim of a scam. When I became aware of the scam, I contacted my bank, USAA, to inform them of the scam. I have been a member of USAA Bank for over 20 years, and I knew they had a 0 % Liability Protection Program in place for their members. Originally, USAA, credited back all the fraudulent charges, although the fees I incurred for the returned checks made it so I could not afford my XX/XX/XXXX mortgage payment. My mortgage went into default, but I was able to pay the rest of my bills. USAA, after further review, decided that the charges were not fraudulent and informed me that my banking accounts would be permanently closed and I would no longer be able to use their banking services in the future. They also took back all the credits to my account and put me in {$18000.00} of debt, or a negative balance of {$18000.00}. USAA put my checking account on permanent hold, and told me I had 60 days before the account was closed and that any remaining debt would be forwarded to the federal credit bureaus. I remained in discussion with USAA for the next 2 weeks and had them review my case a second time. USAA stood by their original decision. At this time I had to scramble around, find a new bank and open up a checking account for my direct deposits. I receive VA XXXX money since I am rated XXXX XXXX XXXXXXXX service connection through the VA. I also receive SSDI each month. I did not make the XX/XX/XXXX cut off for changing my direct deposit for my VA XXXX money. On XX/XX/XXXX, my VA XXXX money of {$3600.00} was deposited into my USAA checking account. USAA would not release the funds to me and stated that the deposit was used to collect towards my debt. The VA XXXX money each month is budgeted towards my mortgage, car payment and other bills. I went into default with my mortgage for a second month and could not pay my other bills to include my car payment. At this point, I filed a police report concerning the scam to XXXX Police department. I also filed a claim with the Maine State Attorney General. I also filled out the IC3 form to contact the FBI. I took this updated information and went to USAA for a 3rd review of my case. I stated I would include any documentation to support my claim. USAA did not request the documentation and made the decision to stand with the original decision. I am at a loss. I have considered bankruptcy. I have no idea how to pay the supposed debt to USAA. My mortgage is in default over 60 days and may turn into foreclosure. So far I have made some progress with my other bills, but I am barely able to eat or have gas in my car. I was susceptible to the scam at the time since I am bipolar and I was fully manic at the time. I was hospitalized at XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX XXXX XXXX XXXX XXXX. The majority of my XXXX rating and for SSDI is due to mental health. I offered to send my medical records reflecting the inpatient care, USAA did not request the documentation. I feel like I am being treated like the criminal. USAA flat out refuses to acknowledge the possibility of the scam or to use the 0 % Liability Policy to clear the debt and return my XXXX money. I do believe USAA should be held liable for their actions and also for discrimination against a XXXX veteran. Can you help me?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: ME
Zip: 04210
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My account was closed due to someone else logging in. XXXX is understandable but they wont give me my money out the account. I have contacted them and and was told they locked the account to where no one can do anything. My account has no fraud or anything on it just a simple log in issue but they are holding my funds that is mine and I have things to do with my money. They are not willing to send a check or anything until after 60 days.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78253
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: usaa lied about my account it is not has not returned my money XXXX XXXX $ XXXX Claim Amount this money was taken from account I want it back
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23435
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I applied for a loan with XXXX XXXX XXXX to consolidate my credit card debt. Was approved for $ XXXX. They put the money in my account which on my end looked like a wire transfer in 2 payments of XXXX. Then they transfered half of that out of my account and to XXXXXXXX XXXXXXXX where they had gotten access to and transfered money from there to a XXXX account. USAA, my bank took all the funds I had in every account I was linked to and then closed them out. They then charged off only $ XXXX in fraud. Leaving me with a {$0.00} balance but not giving me access to the money that was previously in my account. This was not my fault, I was a victim of fraud.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: In XXXXXXXX XXXX I used a check to purchase a product for {$1300.00}. In XXXX, I discovered the check had been withdrawn twice from my account. I submitted a dispute to my bank, USAA, and they informed me they could not do anything because it had been over 60 days since the check was withdrawn. I contacted the recipient of the check and we verified the check was only deposited once into his account. In XXXX, I went with him to his bank and we verified with the help of someone at the bank that he did not receive the funds twice. In XXXX, I contacted USAA again and they provide me with two tracer numbers as evidence that the recipient 's bank received the funds twice. I do not have a way to contact his bank, XXXXXXXX XXXX, because I am not a member other than to talk to the representative we met with in XXXX. I have attempted to contact that person four times, but she has not responded to my calls and email. I called on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and I emailed on XX/XX/XXXX. Today, XX/XX/XXXX, I contacted my bank again and they refuse to help any further.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19063
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: USAA 's previous response to claim XXXX omits critical elements regarding this dispute. USAA 's representative verified that they went through a system migration which canceled out users auto pay. If this were not true, USAA would have never submitted a letter on my behalf to remove the late payment. This information has been completely left out by USAA and can be easily verified with the credit bureau 's. This report is not accurate or fair, and is the reason that a letter was summitted on my behalf. USAA 's representative responding to this matter was also extremely rude when handling this dispute.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22554
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: The USAA Federal Savings Bank is Violation of the Termination of Bank Accounts that the Claimant ( XXXX XXXX XXXX ) Immediately Requires The FBI and a Federal Prosecutor to Appoint a Criminal Investigation a Dispute in Stolen Final Payment of {$350.00} US Payment with XXXX XXXXXXXX XXXX Fraud Department involving Illegal Stop Payment and Third Party Conspiracy FBI Criminal XXXX XXXX that is In Obstruction of Justice This Fraud and Illegal Stolen Securities MUST involve a Criminal Investigate Report sent by Certified Mail within 3 Business Days as Required by Federal Law to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The Federal Trade Commission must investigate Fraud with USAA Federal Savings Bank Fraud Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraud Agent XXXX XXXX XXXX XXXX XXXX XXXXXXXX Investigate with Impunity! ( XXXX ) XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A