Date Received: 2023-01-27
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I live in XXXX, and went to a restaurant to purchase drinks. I paid for drinks using my debit card and it totaled about {$32.00}. I gave the waiter my card to charge but did not get a receipt. I didn't think anything about it because I have never had any fraud issues on my account. The next day I checked my account and noticed to large charges from the same place for {$350.00} and {$1100.00}. I Immediately called bank and they froze my account and sent out a new card. The bank sent me a letter on three separate occasions stating that the charges were not fraud, but I explained to them that I did not authorize the charge. -For the first charge, the bank supposedly got a receipt from the restaurant stating that I was charged an entrance and drinks for a total of {$350.00}. I explained again that I did not make those charges. Their excuse was that I gave the merchant the card, then it must have been valid. I also asked for a copy of the receipt, but to date they have not sent it to me. -I also asked about the 2nd charge of {$1100.00} and they stated that they did not have a receipt, but since i filed it as fraud and they determined it wasn't, they closed the case! I think it is totally disrespectful how they treat a retired XXXX XXXX XXXX and a member of USAA for over 40 years. This vendor stole my money and my bank is blatantly accusing me of lying. PLEASE HELP OR ADVISE ME ON FOLLOW ON ACTIONS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AP
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Hello. I was trying to access my funds and my card declined on XX/XX/XXXX at approximately XXXX. I called the bank ( USAA ) and a representative told me my card was not blocked and to try to make a purchase again. She stayed on the phone with me and she witnessed that my card was declined again. She said it may be the card reader and she told me to try a different location. After having my card declined again, I tried to withdraw funds from an atm machine but to no avail. I called back and explained to XXXX that I am trying to access my funds. In the midst of her asking me a few questions, I began to lose phone connection and I asked her to give me a call back. When she called back, the phone rang once before disconnecting. I called back and spoke to XXXX. XXXX was not very helpful. She asks me why I was sending and transferring money. I told her it is time to pay rent and bills, i should not have to explain why Im moving my own money. She then asked Are you aware that it may take up to 10 days for a cashiers check to clear. I told her I am not aware and I do know that ; I told her I can spend my money any way I choose to. She asked me why I made XXXX transactions right after a deposit was made. I told I her have to pay bills and I do not dictate how she spends her money so I demand the same respect. She placed me on hold for a few minutes and when she returned, she stated that my acccount will be disconnected and I will owe and negative balances and she spewed out more info before she abruptly hung up. I do not understand why my account is being closed ; I did not get a chance to ask any questions. I feel discrimabated against, I received money from a sales transactions and I feel like USAA is withholding my funds. I have been a loyal consumer for years and I feel that I was pushed aside.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33018
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Dear Sir/Madam : I have been a USAA credit card holder since XXXX and have always maintained my account in good standing. When paying my account, I usually open the USAA app on my phone and make payment on my existing balance. However, a few months ago, I decided to open one of the statements and noticed that my APR is currently 20.15 %, which it has never been. I then decided to go back at least 14 months and see that my APR was originally at 15.90 %, and has increased almost every single month over the last 14 months. This is not legal. In all of my life having credit, I have never witnessed any credit card issuer raise the rate on a monthly basis, unless there was some other issue such as a cardholder being late, which is not the case with me. Under the Credit Act, I am aware that a creditor must inform its consumers of any rate change at least 45 days in advance among other requirements. Since there has been a rate increase almost every single month for over 14 months, there is no way that I could've received the required 45 day notice as required under the Federal law. Therefore, I reached out to their customer service and then escalated to their Executive office. Although I have not had an opportunity to speak with the person who is handling the matter due to us missing each other on the phone, his name is XXXX and after several missed calls, he sent me an email dated XX/XX/XXXX, saying that the inquiry has been resolved. His email ( attached to this complaint ) says that on XX/XX/XXXX, changes to your credit card agreement were sent and that page 2 states that if your APR is variable, it will vary with the market rate based on the Prime Rate. This still doesn't hold water. This is a violation of the XXXX XXXX. Here is the breakdown of the interest rates for each month since XX/XX/XXXX : XXXX XXXX -- 15.90 % XXXX XXXX -- XXXX XXXX XXXX -- 15.90 % XXXX XXXX -- 16.15 % XXXX XXXX -- 16.15 % XXXX XXXX -- 16.65 % XXXX XXXX -- 16.65 % XXXX XXXX -- 17.40 % XXXX XXXX -- 18.15 % XXXX XXXX -- 18.15 % XXXX XXXX -- 18.90 % XXXX XXXX -- 19.65 % XX/XX/XXXX -- 20.15 %
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10463
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2022 I showed a charge on my credit card account of {$430.00} from XXXX XXXX located in XXXX Texas, once I noticed the charge pending I immediately disputed it. The charge was removed from my account and I assumed everything was good, I was contacted by Usaa on XXXX XXXX while I was at a doctor appointment by a fraud investigator from USAA and he stated who he was and got straight to the point that I was liable for the charge that I had disputed and was on a recorded line, I couldn't talk so I called back the next day and tried to speak to someone about the charge and have only been told that I am liable because they claim the chip card was present when the card was charged, I have another charge on the same day here in XXXX XXXX Tx. proving I was here but yet I am being forced to pay for a service I am positive I did not use or request, I also contacted XXXX XXXX requesting the invoice but they said they can only provide it by providing them the phone number that was given when the service was requested, I don't know the number because I didn't request any service. I uploaded documents to USAA showing that the company in question does not provide services in XXXX XXXX and only provides services in the XXXX XXXX area which is XXXX hours away. The charge was put back on my account and USAA has failed to reach back out to me as I requested to speak with a credit card Dept Manager or higher and remove this charge, I have chat transcripts that have a USAA representative stating that they show the transaction was done through apple pay so I am confused with their finding.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78228
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I contacted USAA bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I called with my daughter & informed them my wife passed away and i did not have a way to access my money or her email where the statements were going, i needed statements mailed and a way to get my funds/ the balance in my account, called again on XX/XX/XXXX, XX/XX/XXXX, they still would not help me, i called again on XX/XX/XXXX to ask to activate my debit card i found that had been mailed to me a few months prior that way i could at least get my balance and the agent told me he couldn't assist me but if i mailed a notarized letter in asking the account to be closed and a check mailed they would do it, I immediately did so, in the letter i included my current phone info so they could send the text code to it, my address & a voided check. My social security of {$1800.00} was going into this account so I wrote my daughter a check for {$1800.00} so I could have my money to pay bills but the check was returned for NSF and it should not have been. my wife passed away on XX/XX/XXXX - the additional money from both of our social security in XXXX should have been in there plus my XX/XX/XXXX benefit for myself and they wont give me statements when i told them there must be fraud! on XX/XX/XXXX i received a letter dated XX/XX/XXXX requesting i fax them a copy of the death certificate to process the changes requested, which i did on XX/XX/XXXX - I received a letter dated XX/XX/XXXX saying the changes had been made and my wife 's name removed!!! No check, no statements, nothing! I called XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX with my daughter trying to help me. They said there was a problem with my social security number not bringing up the right account and still would not help me. On XX/XX/XXXX I called again!!! They told me to mail a copy of my ID and they would have someone call me- I did as they requested once again and no one ever called me! On XX/XX/XXXX I decided to write myself a check my newly opened account at a local bank. I wrote the check for a lesser amount of {$1000.00} as I have my check book but no way to see a balance or what's been going on in my account. XX/XX/XXXX I wrote another for {$850.00} which again should have been there due to my social security being XXXX. On XX/XX/XXXX the check for {$850.00} was charged back as NSF! I called on XX/XX/XXXX & XX/XX/XXXX and asked them why they took my money back. I want my statement, I want an investigation done, someone is stealing my money!!! They gave me the run around, told me to mail in my ID again which I told them I did and no one called me, either USAA bank is stealing my money or they have been letting someone else! I have had to borrow money from my daughter to survive the months they refused to allow me to get my money. There are multiple Reg E Violations as i have not received any statements since i reported i did not have access to my wife 's email on XX/XX/XXXX & in the other conversations listed - at this point i'm not sure how long this fraud has been going on, now i want a years worth of statements mailed to me so i can see account activity and report the unauthorized charges! I also want any funds back for any charges that have come out of my account since I reported I wanted an investigation done AND I mailed them a notarized letter asking the account to be closed and a check mailed for the balance. Nevermind the pain and suffering i have had to go through, my wife passed away and i have to worry about how im supposed to survive as my bank wouldn't help me or give me my money after i did everything they asked.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NH
Zip: 038XX
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: I work as a XXXX XXXX and needed housing for my upcoming assignment. I responded to an ad for housing in XXXX XXXX. I received a response from XXXX XXXX who was working with XXXX XXXX and XXXX XXXX. They sent me an application and an extensive rental agreement. They were very responsive initially. Before sending any money, I searched on google maps, found the advertised property and I searched all three names to see if any red flags came up. Nothing displayed. I subsequently sent {$1500.00} + XXXX deposit to reserve the dates. Unfortunately, my job pushed back my start date. Once I notified them of this, I was asked to send in another {$2500.00} to hold the unit for me. I was told that I would receive the keys in the mail. Well, prior to my move in date, they stopped responding to my texts and emails and disconnected their phone number. I then did a reverse search in XXXX, a different realtor came up for the same apartment complex.She told me that my name was not in their data base and the people listed above had stolen her listing information. I made payments through XXXX accounts : XXXX XXXX XXXX, XXXX XXXX and USAA. I was told that I should have known it was a scam and that I was responsible for sending the money. I was also told that XXXX XXXX has an account with XXXX XXXX XXXX. I don ; t understand why the banks would side with a scammer and not reverse the payments. I have proof of receiving the application, the rental agreement, the name and address of two of the scammers and phone number of the agent whose information was stolen, as well as proof of the money that I sent via XXXX. This has caused me to secure a hotel for 3 days and pay for another dwelling for my work assignment. I hope this can help others, but I would also like my money back. Can you help?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My boyfriend and I moved in together last year and joined our insurances and created a joint food account, last XXXX including checking accounts, auto insurance and renters ' insurance. USAA was told to add me to the renters policy and now they are saying it's just in my boyfriends name. This is not not true or fair. They will not talk to me about it and are being very rude. Now I have to file a claim for stolen property and they are saying I'm not covered. I should have been on that policy since last XXXX and this should be illegal.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80021
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Took out a HELOC w/ USAA way back in 2008. Main purpose was to payoff a second mtg with XXXX. Well, got my title and the XXXX mtg is still there. USAA says they don't keep proof on whether or not XXXX cashed the check. A bank says they dont keep copies of their checks. Right. They also never followed up to make sure the title was cleared. USAA says they have nothing showing the loan was paid other than a cover letter and a journal entry that it was sent. Thats it. No one ever followed up to get the lien off my house. Now I am stuck with a lien on my property I can not get removed as XXXX XXXX ( XXXX ) says they want proof the check was cashed. I know it's been a long time but I just discovered this as I do not routinely review my title. Both banks say it is the other bank 's responsibility and neither has offered any way forward. I am trying to refinance and I cant get this off my title.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98033
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: on XX/XX/2022 usaa savings bank got a copy of my XXXX credit report i didnt not try to apply for anything with you guys on that day please remove inqury from my report
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78741
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have requested USAA Auto and credit card account to remove these account from my report and they have not. 1. I gave no consent to report on my credit report, which is required. 2. The information is very inaccurate, and varies. 3. They have not produced the financial records to validate the debt as required by law. They only sent a statement of account not the records. 4. I have asked them to send me the XXXX XXXX XXXX and XXXX showing that they issued me a loan and they can not. STOP VIOLATIONS OF TILA
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A