Date Received: 2023-01-06
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: USAA has ceased response to claim XXXX. They continue to NOT address any questions I have. Also, they promised to send a payment to the financing company to pay off the vehicle, which is deemed a total loss. So far, they have not taken any action.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 35758
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: TO WHOM IT MAY CONCERN I have below the documents ( Note, Disclosure, and Security Agreement NONNEGOTIABLE PROMISSORY NOTE and FINAL ADDENDUM TO NOTE, DISCLOSURE, AND SECURITY AGREEMENT ) I received it at the beginning of my consumer credit transaction made with USAA. pursuant to 15 USC 1635 ( a ) I was supposed to be informed of my right to recession and I had until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter. as seen below I have never received said documents which would mean my right to rescind is still in effect. I hereby rescind the transaction made between me and USAA and I demand that you CEASE AND DESIST FURNISHING ON MY CONSUMER REPORT, ALL COMMUNICATION WITH MYSELF IN ATTEMPTS TO COLLECT A DEBT, AND FURNISHING MY PRIVATE INFORMATION TO THIRD PARTY DEBT COLLECTORS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Per my previous CFPB complaint, I would like to rescind XXXX as I did not discover enough information to make a proper complaint. Based on discovery of relevant information to the inquiry from speaking to XXXX at USAA Automobile Coverage, I believe I now know enough information about this issue to presently re-submit another inquiry. I believe USAA has cancelled USAA Automobile Coverage Policy # XXXX XXXX XXXX ( XXXX XXXX ) based upon an unreasonable circumstance. I was informed the policy was officially cancelled because a discounted service that tracks vehicle movememt was not complied with and because that discount no longer applied and the insurance company was not able to collect around {$12.00}, the entire policy was cancelled and the difference was refunded to me in the mail. I have not yet received the refund for the duration of coverage. When I initially established the policy, I remember establishing auto-renewal/ auto-pay to pay from an external checking account when the policy would expire. I prepaid the policy in full to cover 6 months of coverage. I would have expected such a small amount to be deducted during active coverage and I could have contacted the insurance company then and established understanding. The company did not bill the bank account. They sent one written notice of cancellation that must have been easily overlooked due to it being around {$12.00}. Apparently, I was also sent emails, but they may have been categorized as spam. I am rated as XXXX and totally XXXX by the XXXX XXXX XXXX XXXX, yet they now indebted me with no possible repayment option first to the remaining balance of this policy as the policy has been canceled. Additionally, I must now pay the remaining balance of this policy and the next policy in full before starting coverage again. The fact is that the insurance company and USAA in general makes darastic decisions over small monetary amounts that could potentially devastate peoples ' lives through many of their services and products. They provide no recourse or remediation. Should I have been in an accident, which I was not, devastating consequences would have occured with no financial recourse for myself, my XXXX wife, or my XXXX small children. USAA made me look like a criminal who did not abide by XXXX XXXX Laws by failing to provide actual motor insurance coverage. I personally had no idea coverage was cancelled until I read a notice of cancellation letter yesterday. At first, I thought USAA canceled the policy to cover a XXXX XXXX credit card debt. After discovery, I found that it had not been due to that, but rather this issue over one of the discounts. When enrolling, I notice USAA pre-selects the option for the " safe driver pilot program ''. If they are pre-selecting options, USAA should not allow for such a vague process if one fails to download the application and have his driving movements to be tracked. This seems unconstitutional to place this as an option for a pre-selected discount and then have your whole policy cancelled should you fall out of compliance over small techinical issues and very small monetary matters. Until yesterday, I was not aware my policy was cancelled nor the actual reason. Again, should an accident have occured or I have been stopped by a law enforcement officer, the consequences would have been much more serious and darastic. USAA claims to serve the servicemember, yet they try to intentionally find loop holes in disclosure statements to punish servicemembers and veterans. USAA could care less under any circumstance of distress, damage or duress unless it complies with their established policies. They never usually make any exceptions.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: HI
Zip: 96792
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Contacted USAA about inapproprate Calculation on CD Interest for two mons. Stated contacting on XX/XX/XXXX and had several call that went on answered on errors on Cd interest caslculations. Calculations was not calculated on a 3.50 % yearly interest or a 3.45 % daily.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: FL
Zip: 32162
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Problem when making payments
Subissue:
Consumer Complaint: I have reached out to USAA on XX/XX/2022 regarding the violations on my report. I have few late payments reporting. I sent emails to the CEO of USAA, I made phone calls, and sent letters US Certified. I would like to get this matter resolved and get those late payments from XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 removed from all 3 of my reports. USAA has failed me, they don't care about their customers and failed to contact me regarding my concerns. This issue has caused me to become XXXX These late payments are clear violations of y consumer rights 15 U.S. Code 1681 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b. Please DELETE these late payments from my consumer report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30329
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have the Cash Rewards XXXX Credit Card and used to receive 2.5 % cash back on every purchase. On XX/XX/2022, I received a letter from USAA stating the benefit was being reduced to 1.5 %, but " to show our appreciation for your loyalty, you will automatically earn 1 % cash back, totaling 2.5 %, on Qualifying Purchases through XX/XX/2022. '' I made a purchase on XX/XX/2022 that posted same day at XXXX for {$410.00} and only received 1.5 % cash back.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48168
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: USAA refunded a portion of an active automobile insurance policy that I havr paid for in full for a XXXX month duration in order to cover a credit card debt that was about {$500.00}. They provided no warning in advance that they would cancel a contractual and legal automobile policy to satisfy a small debt. I am permanent and totally XXXX as determined by the VA. Unknowingly, I was aware that I was without coverage since the close of XXXX, 2022. Should I have been in an accident escorting my pregnant wife and children around everywhere, I would have been without coverage. Was this really worth around a {$500.00} charged off credit card? And, I was given no notice. USAA effectively, deliberately, and carelessly endangered my family. I believe they are in violation of several Hawaii Revised Statutes and would have been responsible for the administration of such violations of law for improperly notifying me of any of this and taking such darastic measures. They seemed to have filled my shoes to break the law for me.
Company Response:
State: HI
Zip: 96792
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I have been with USAA for decadesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I took out {$1200.00} on the credit card to start another bank account. My attempts to repay it failed, and I have been unable to access my account on their website. They have charged me XXXX XXXX dollars of bogus late fees, and ruined my credit rating. Which was good, since I repaid {$10000.00} in loans last year. I have been absolutely unable to pay them, or access my account. I have spent hours on their XXXX phone system listening to theiXXXX XXXX XXXX XXXX only to be cut off or transferred to people who don't answer. They give me numbers that don't answer, send me emails that can't be replied to, and tell me to go to the website that I can't get into. It's making me nuts.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91932
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I have been with USAA for decades, as a military dependent, XXXX XXXX, and veteran. I took out {$1200.00} on the credit card to start another bank account. My attempts to repay it failed, and I have been unable to access my account on their website. They have charged me hundreds of dollars of bogus late fees, and ruined my credit rating. Which was good, since I repaid {$10000.00} in loans last year. I have been absolutely unable to pay them, or access my account. I have spent hours on their XXXX phone system listening to their obnoxious USAA cheer, only to be cut off or transferred to people who don't answer. They give me numbers that don't answer, send me emails that can't be replied to, and tell me to go to the website that I can't get into. It's making me nuts.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91932
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I used bill pay and instead of sending my payment electronically, they sent it by mail. I called multiple times and was finally able to get the {$4000.00} check canceled. I asked that all payments be sent electronically and they said they couldnt do that. My husband died 3 months ago. My name was always on the checking account. All of our payments were made electronically. This situation has something to do with his death.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A