Date Received: 2022-12-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was scammed through facebook of the group page XXXX XXXX XXXX XXXX for adoption. I was offered to be delivered a puppy with the charge of total {$1300.00}. The adoption fee is {$800.00}, deliver fee is {$100.00} and the insurance is {$500.00}. I transferred the money with XXXX to the person name Et XXXX XXXX and XXXX XXXX. Their email are XXXX and XXXX There are total of 3 transactions on XXXX XXXX and XXXX XX/XX/2022.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91356
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-26
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I was XXXX in XXXX and that entire year a " friend '' XXXX XXXX, got control of my phone, thus online connection to my USAA bank account and got her self added to my account. She stole over XXXX and the bank only reimbursed me for the money she took by swiping a debit card. Not reimbursing me for the multiple XXXX wire transfers or XXXX transfers.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-26
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Back in fall of XX/XX/2021 my accounts at USAA were compromised by identity theft. USAA was not clear on actions i needed to take. i wasn't understanding that they gave me a loan until it i filled out an incident form, which i did the second time sent, I had requested new accounts but they would not open new ones for me. I thought the incident was clear until i found out USAA transfereed funds to a XXXX XXXX account that was opened in my name - luckily XXXX XXXX put a security hold on the account. My next actions included filing a identity theft report, freezing my credit ect., putting fraud alerts on accounts and multiply calls to USAA to clear up the account. the individuals who stole my identity opened a new account at USAA that i could see online in someones elses name. I requested it to be closed but they denied stating it needs to go thru the fraud department. I kept receiving notifications to send an ID to prove the new person added to the account- i kept calling insisting they remove the person as i did not know them - spend hours on the phone XXXX XXXX i received XXXX letters from USAA - one closing my checking and savings, the second closing my credit card. the letter states it will continue to process deposits but denied withdrawals. It states the closure of the account will be completing in 60 days. they have not return any of the XXXX funds that were in the XXXX accounts and i can not get ahold of a person to speak with on this matter- the answer i get is its with the fraud department. it is past the 60 day time frame and i have not received the funds from my account
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Usaa is behaving in a very irresponsible almost vile way. They have caused me to get my one of my credit cards closed as well as a result of their untimely handling of credit card payments. They insist on lowering my XXXX XXXX so they can in turn charge me more for their auto insurance even though I have never had accidents. Recently I took out {$2000.00} from my IRA which they posted immediately. I proceeded to get my money in cash before they would try to scramble their transactions. They saw did so for XXXX XXXX ( they ruined my day with my family ) proceeded to reverse said funds claiming XXXX had taken them. Unfortunately I had no way of contacting them. They wanted me to initiate a dispute which would take days. I want nothing to this with this bank please help me close it. I lost {$2800.00} in overdraft fees and theyre desperate to get more from their members. They deserve nothing but misfortune judging from their business scam.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28546
Submitted Via: Web
Date Sent: 2022-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I OPENED A CHECKING ACCOUNT WITH USAA ON XXXX AND THEY CLOSED IT THAT SAME DAY IF NOT THE NEXT. HOWEVER I HAD ALREADY GOT MY XXXX XXXX BENEFITS CHECK TO GO INTO THAT ACCOUNT. THEY WONT RELEASE MY MONEY TO ME AND ITS BEEN 60 THAT THEY TOLD ME IT WOULD TAKE TO CLOSE THIS ACCOUNT. NOW EVERY TIME I CALL THEM TO FIND OUT WHATS GOING ON I GET THE RUN AROUND. I HAVE SENT THEM ALL THE DOCUMENTS THEY ASKED FOR AND I STILL GET THE SAME RESULTS. THIS IS MY MONEY FROM THE GOVERNMENT THAT IS THAT IS DUE TO ME EACH MONTH. MY HUSBAND DIED WHILE SERVING THIS COUNTRY IN THE XXXX AND NOW TO HAVE THIS BANK NOT GIVE ME MY MONEY IS JUST WRONG.IF I HAD KNOWN THAT I COULDNT OPEN AN ACCOUNT WITH THEM I WOULD HAVE NEVER EVER DONE SO BUT BECAUSE THE EMPLOYEE DIDNT DO HIS JOB CORRECTLY NOW THEY ARE PUNISHING ME.PLEASE BEWARE OF THE XXXX LEARN FROM MY # THEIR MISTAKE.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 235XX
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I first reached out to bank manager, XXXX XXXX, after he sent letter threatening to charge me late fees despite the financial hardship I was experiencing due to covid lockdowns and a sudden onset of XXXX XXXX XXXX and XXXX XXXX later discovered was causing the XXXX XXXX XXXX. I made many good faith attempts to settle alleged debt with other means. With no luck there, I then asked the bank to validate the alleged debt with an accounting ledger to ensure the alleged debt was actually lawful as I protected by the Federal Government as a Consumer. The bank then reported the charge off and so called late payments to XXXX, XXXX and XXXX. They also hired debt collectors not once, twice but 3 times to harass and threaten me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33612
Submitted Via: Web
Date Sent: 2022-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Dear USAA, As a XXXX year member I have to express my complete and utter disappointment in how your banking back office has mishandled a simple request for a POD on my accounts and my mother 's accounts ( I am the POA ) since my father died in XX/XX/XXXX. After my father died my mother updated her trust and I and my husband created our own. I started the process of completing the forms for my mothers accounts in XXXX of XXXX and XXXX in XXXX of XXXX. Interestingly enough, I helped my husband ( military USAA ) member complete his forms and his POD was completed with post haste. The POD 's are still not completed on either XXXX of my mother 's or my accounts. I have called approximately XXXX times to have this process completed. I have uploaded forms through the online portal, via email requests for documents and I have been given multiple explanations as to why this is not complete. I think it is important to note that the calls take approximately XXXX hour at a minimum ( which now delights me in knowing that other people are being treated poorly waiting ). Yesterday XXXX took about XXXX minutes. XXXX weeks ago on XXXX the call was probably XXXX minutes and the call on XXXX was over XXXX hours. I have been escalated to member relations and supervisors. All of which takes an exorbitant amount of time for them to realize how many calls, documents, uploads, notes, and requests are in the system for a simple POD of a XXXX to my mother 's accounts and a different POD of a trust to my accounts. I have a copy of EVERY SINGLE document that I have sent or resent, or changed or updated or whatever was asked of me to complete a simple POD. All of these documents are dated as to when they were saved and subsequently sent to USAA. Here are the dates in which I called on XXXX or both of the POD 's and sent in 'the correct documents ' XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( after speaking directly with the back office person ) XX/XX/XXXX ( after speaking with a different back office person ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These are only the CALLS with a document upload. In addition, some of the forms that were sent to me to finish completing and sign had INCORRECT information pre populated from the USAA back office! I am FED UP with USAA 's incompetence.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: ID
Zip: 83706
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Dear USAA, As a 50 year member I have to express my complete and utter disappointment in how your banking back office has mishandled a simple request for a POD on my accounts and my mother 's accounts ( I am the POA ) since my father died in XX/XX/XXXX. After my father died my mother updated her trust and I and my husband created our own. I started the process of completing the forms for my mothers accounts in XXXX of XXXX and Mine in XXXX of XXXX. Interestingly enough, I helped my husband ( military USAA ) member complete his forms and his POD was completed with post haste. The POD 's are still not completed on either one of my mother 's or my accounts. I have called approximately 25 times to have this process completed. I have uploaded forms through the online portal, via email requests for documents and I have been given multiple explanations as to why this is not complete. I think it is important to note that the calls take approximately one hour at a minimum ( which now delights me in knowing that other people are being treated poorly waiting ). Yesterday XXXX took about 75 minutes. Two weeks ago on XXXX the call was probably 90 minutes and the call on XXXX was over two hours. I have been escalated to member relations and supervisors. All of which takes an exorbitant amount of time for them to realize how many calls, documents, uploads, notes, and requests are in the system for a simple POD of a Trust to my mother 's accounts and a different POD of a trust to my accounts. I have a copy of EVERY SINGLE document that I have sent or resent, or changed or updated or whatever was asked of me to complete a simple POD. All of these documents are dated as to when they were saved and subsequently sent to USAA. Here are the dates in which I called on one or both of the POD 's and sent in 'the correct documents ' XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( after speaking directly with the back office person ) XX/XX/XXXX ( after speaking with a different back office person ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These are only the CALLS with a document upload. In addition, some of the forms that were sent to me to finish completing and sign had INCORRECT information pre populated from the USAA back office! I am XXXX XXXX with USAA 's incompetence.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: ID
Zip: 83706
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2021 the IRS deposited my XXXX XXXX XXXX to the wrong checking account. I did not provide the account number to the IRS that was used to send the money to. The IRS previously deposited my first XXXX to the correct account. I requested the IRS research my payment because I never received it, and they provided me with an account number for a checking account at USAA that I am not a signer on and do not have ownership of. I contacted USAA to have them research the payment and provided them the account number to which the payment was deposited via the XXXX clearinghouse network. USAA confirmed that I am not a signer or owner of the account and that the payment was credited to this account ( account # XXXX ). USAA initiated a formal internal investigation and despite knowing that the payment was credited to the incorrect account, responded to me with a letter saying they were unable to correct the error. XXXX rules of XXXX transactions require that the sender include the name of the beneficiary. Even though the receiving institution is not required to manually verify the name at the time of posting, when USAA was investigating my dispute, they should be able to see that the payment is for my benefit and that my name is attached to it, as well as being able to see that I am not associated with the account the payment was deposited to. USAA however refuses to correct this error and credit my account in accordance with the XXXX rules and the original intent of the credit request from the IRS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29803
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Getting a line of credit
Subissue:
Consumer Complaint: Today I was denied a personal line of credit with USAA. Im XXXX XXXX and have been for 5 years. I also receive a XXXX check from the VA thats deposit into my USAA account for 8 years. I submitted my VA eligibility paperwork for income and 2 tax years of my income with my XXXX XXXX I was told by the USAA rep. XXXX that my income paperwork couldnt be valid. I questioned what he was saying because he sound very arrogant and rude on the things he said to me. I filed my XXXX as my name only as a sole proprietor since Im single member LLC and XXXX I added a business name on my Schedule C and schedule F. I opened a second business in XXXX and was separating my business losses and income from each business separately which is why XXXX had 2 business names. I explained this to USAA and informed them I have the exact same business for 5 years, same field of work and I can also provide 1099 and bank acct statements from my business acct. with XXXX per their website. They refused to take them and denied my loan for not able to verify my income saying my business name had to be the same for 2 years although its the same field of work. They couldnt provide me where it shows that on their list of rules since I didnt see that on the website.I told the rep that I feel discriminated against being a XXXX Women thats gross 7 figures because XXXX immediately switched his tone and became very rude and unpleasant when he seen how much I gross on my paperwork. My credit is good and now I have a hard pull on my credit report that I worked hard to maintain. The hard pull will cause my credit rating to drop when in fact I qualify for that loan and way more. I been with USAA for 10 years, have XXXX XXXX dollars worth of whole life insurance, car insurance for 4 vehicles worth over XXXX, home insurance on my XXXX house, and 3 accounts with no issues ever.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A