Date Received: 2022-12-31
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2022, I attempted to use two of my debit cards ( each attached to a different checking account ) with USAA. I was paying a {$15.00} copay at my child 's doctor 's office. Both cards were declined and I could not pay. Thankfully our provider allowed me to leave without paying and said I could pay later online. I checked my accounts and verified I had money in the accounts. I thought possibly it was an issue with their office and moved on. Then I went to eat breakfast with my husband. He tried to pay with his debit cards - he has 3 different checking accounts so 3 cards. All of them were declined. We could not pay. We could see our accounts each had plenty of money in them but we had NO means to pay. When we contacted USAA, we were told different information. My husband was told they needed him to provide information. I was told it was possible fraud. We were informed that because my husband had not answered questions about how we use our own account and our own money, all of our cards, ALL SIX of our debit cards, were restricted i.e. blocked. I don't know if this also means the accounts were restricted or not i.e. whether USAA would have honored a check or ACH during this time, but I would really like to know that. Our cards would not be reactivated until my husband answered a series of questions. He had been asked on his app to update some information, none of which appeared very important. He was not aware that this information was required or required by a certain date and that if he didn't provide it that WE BOTH would lose access to our own money. He reviewed the questions and answered them so we could have access to our money. The questions, however, were NOT of a nature so important to restrict both of us from our funds on ALL of our checking accounts. This was completely unnecessary and done without proper notice. USAA did not call us. USAA did not send a notice in the mail. USAA did not text either of us. USAA only issued a pop up to my husband only ( I am an equal account owner and entitled to as much notice as he is ) and USAA sent an inconspicuous 'document ' to me via my online account. I was only made aware of this inconspicuous document after calling USAA to find out why this happened - why our access to our money was restricted because they wanted to know about how we used our accounts. I was told that because my husband was the " primary '' then he was the only one contacted initially. It follows then, that USAA considers me, as his wife, as secondary. This is inappropriate and must stop. I am as entitled to these accounts and money as a CO-owner. Equally puzzling is that this information could have waited and/or been requested by other means. USAA should have provided sufficient and actual notice to all account owners before restricting our access to our accounts. Additionally, USAA should treat me as an equal, not inferior to or entitled to less notice than my husband about any issue, but in particular, an issue that would result in restricting access to all of our funds for any period of time. NOTE - I am aware that financial institutions are placed under tremendous pressure to prevent fraud and also gather/report certain information pursuant to the Patriot Act. Notwithstanding, they have a duty to their customers to be fair, transparent, and communicative. Compliance with state and federal laws intended to prevent terrorism does not give USAA or any bank carte blanche authority to arbitrarily deny a consumer access to their funds, absent some showing there is an actual threat. USAA should not terrorize its customers in the name of preventing terrorism.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: USAA banks refuses to assist my elderly father in getting access to his bank account online. We have informed them several times that their request to send a code to the phone and email on the file will not work as my mother has changed his information to her personal email and phone. We have used their own system to try and recover the account but it did not work and does not say why. We have been trying for over a month to get assistance. On XX/XX/2023 we called and were informed our request for accommodation was denied and were refused the right to speak to a supervisor about out issue. They have been rude and staunchly refuse to even try a different method to assist us even when informed my father is elderly, does not currently have a computer, can not get their system to work and is XXXX due to XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 14043
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX charged my mortgage company more than {$7000.00} for my homeowner insurance premium and has collected over {$14000.00} in the past 2 years regarding such. In XXXX, i was paying only XXXX XXXX yearly for this XXXX home in Nebraska. I purchased this home in XXXX for {$89000.00} at a fix rate. In XXXX during and after COVID. Currently my monthly payments have increased to {$1900.00}, nearly tripling despite the average cost for premium home insurance in Nebraska on a {$250000.00} home is less than {$2500.00} yearly. I'm now facing foreclosure because of this. As a result, my mortgage company XXXX XXXXXXXX XXXX XXXX has sent me a " Promissory Note '' package that partially includes the more that {$14000.00} dollars they paid XXXX for homeowner premium insurance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: USAA has blocked my funds due to an XXXX scheme. the bank has deemed me as being apart of the scheme. USAA has refused access to my funds eventhough the negative balance has been resolved. I can provide more details upon request.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 20111
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This is a notice for a Cease and desist.I XXXX, XXXX the Authorized Representative for XXXX XXXX has been unfairly treated due to the nature of improper credit reporting and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. I refuse to be an implied surety/debtor. These are few of many violations done on my good name ; which breaks the law. These listed Violations are based on breach of fiduciary duties TILA, FCRA, GLBA, CFPA, THE Sherman Antitrust Act, FTC Act and RICO Act As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33317
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: on XX/XX/2022, I was contacted by the USAA fraud department and advised that frauduent checks had been deposited to my account and the money withdrawn. In addition, a person purporting to be me that had called USAA and received 0ver {$3000.00} in refunds for none existent purchases. This activity went in for several days and it wasn't until the amount was over {$10000.00} in the negative that I was contacted. Additionally, I have been totally blocked from assessing the web sight so I am unable to see any information or mobile deposits or transcripts of telephone conversations with the company and people pretending to be me. I feel strongly that USAA failed to secure my accounts and now are withholding money from both my pay checks and social security and expecting me to pay for their mistakes.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98310
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: As of XX/XX/26 my bank account has been locked. USAA claims it is fraud while all my deposits and purchases are clearly identified on the transactions page as well as me calling them and verifying myself.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: CA
Zip: 958XX
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2022 my wife was scammed through a fake email claiming to be XXXX. They said her account was compromised and had her go through security steps to protect her account using XXXX. It was a scam. Shortly after I got an email from USAA that a person was added to my XXXX recipients by the name of XXXX XXXX was added to your Send Money with XXXX recipient list using the phone number XXXX. This information has been saved for future XXXX transfers. If you didn't make this change, please call us at XXXX ( XXXX ), XXXX, or our mobile shortcut # XXXX. After that there was a XXXX for {$300.00} from my account, {$690.00} from my sons account and {$850.00} from my daughters account. I immediately called USAA and reported it. The bank is making me responsible
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23452
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have extended USAA, my social security card to establish a fiduciary relationship, between USAA and myself. In exchange for USAA to in return extend a line of credit to my persons, to conduct acts of commerce. The mentioned transaction resulted in the creation of XXXX, an open-end consumer credit plan. Per my last billing statement provided by USAA financial institution they're attempting to collect an extension of credit. As defined under 18 use 891 to collect an extension of credit means to induce in any way any person to make repayment thereof. USAA has knowingly furnished false credit information to the credit reporting agencies as a means of coercing payment on this extension of credit by the use of unlawful extortionate means. I have reason to believe USAA had prior knowledge that punishing a consumer for the nonrepayment of an extension of credit by engaging in extortionate means is a violation of the False Claims Act and Racketeer Influenced and Corrupt Organizations ( RICO ) act. USAA is demanding a minimum payment of {$690.00} on or before a XX/XX/XXXX, or they're going to furnish more negative information to credit reporting agencies thatll cause harm to my persons, reputation and property, which is my consumer credit file. I have proof that within the last fiscal year youve voluntarily, willingly and intentionally reported false late payments, on the credit card account, which is under an open end consumer credit plan, to credit reporting agencies on the extension of credit and are using extortionate means in attempts to coerce repayment of said credit under XXXX which violates Federal law. Per review of the FCRA there isnt a single law that allows a creditor to report negative information without the consumer in which it relates to prior consent, nor requires you to report the information youre choosing to report or makes legal the reporting of the alleged late payment on this account youre choosing to falsely report. In fact your reporting is in direct violation of the FCRA seeing as though this extension of credit is an open ended credit account and a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Your choice to furnish false late payments on this extension of credit, to credit reporting agencies seems to be an attempt to jeopardize my consumer credit reputation and coerce me into funding your organization. USAA have charged my account {$25.00} for what are referred to as " late fees '' in addition to reporting erroneous late payments to unaffiliated third parties. Therefore, by reporting the fictitious late payments, you are not only willingly breaking the law, but you are also seeking to force me to compensate you for the infractions you are causing. And lastly, by adding these illegitimate costs to my account, in attempts to siphon off extra money, youre charging my account interest on the whole balance, along with a finance charge based on the whole account balance, which includes the late payment fees. All in which demonstrate that your bank is engaging in racketeering activities and attempting to coerce a consumer to fund your organization. Seeing that this credit card is an open-end consumer card & extension of credit, USAA, is in violation of the False Claims act. USAA is knowingly engaging in racketeering activity to fund its criminal enterprise. Ignorance of the law is no excuse to violate it. Your enterprise should know that punishing a consumer for the nonpayment of an extension of credit by furnishing false information to third parties in order to jeopardize the financial reputation of the consumer with other financial institution constitutes aggravated identity theft 18 U.S. C 1028A and violation of the RICO act 18 USC 894. Whoever knowingly punish any person for the nonrepayment of an extension of credit by extortionate means shall be fined under the title or imprisoned not more than 20 years. As required under the law pattern of racketeering activity requires atleast two act of racketeering activity, one of which occurred after the effective date of this chapter and the last of which occurred within ten years ( excluding any period of imprisonment ) after the commission of a prior act of racketeering activity. Your actions of furnishing said late payment on my consumer credit file is a means of communication to collect the extension of credit by extortionate means as defined under the law 18 use 894. Your action shows a pattern of racketeering activity as defined under 18 U.S.C 1961 & I have reasonable cause to believe that USAA has made this extension of credit with intent to extort me as a consumer which violates 18 USC 893. The intentional furnishing of the false credit information violates the FCRA. I am demanding USAA provide me with documentary material ,15 USC 44, of any law the requires USAA to furnish late payments on a consumers credit file. A copy of a card holder agreement does not prove anything. If your enterprise sends me a card holder agreement, I will take that as your complete disregard for the law and my financial reputation and move to file suit for the intentional infliction of emotional distress I receive on behalf of these extortionate tactics. Your actions have damaged my financial reputation and has caused XXXX XXXX, distress and has severely crippled my livelihood.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20910
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I don't remember too much update but this night I was waiting for my paycheck and when I check my account there was about {$5000.00} in my account then all of a sudden there was XXXX in my account And so I so quickly switched any logged information in all that I was afraid someone had my information lo and behold a hacker had gotten ahold of my stuff and even sent money from one of the apps and USAA a said that it was my fault there's nothing they could do and I've complained multiple times and they've told me to luck
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A