Date Received: 2022-12-07
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: My brother XXXX XXXX owned a checking account with USAA and he died without a will on XX/XX/2022. I am his sister and I have been managing all his affairs. He had no assets other than a car that is owned by XXXX XXXX and a bank account at XXXXXXXX XXXX that I have closed with a balance of {$1.00}. All his banking was completed through an account with USAA electronically. I have been trying for two months with phone calls, faxes and emails to have this account closed and the statements sent to me so that I can complete the notification to his creditors. I have submitted his death certificate and the affidavit from the surrogates office listing me as his administrator. They wanted me to return there to add USAA as one of his assets and I did that for another trip and expense. Each time I fulfill their requirements they tell me they have 15 business days to review the account and they never contact me. I call them and I am once again told that I need to complete another affidavit- as Executor- when he had no will and there is no Executor. Then I am promised a return call and never get one. I have been living through this nightmare for over two months now and getting no help.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 08037
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: on XX/XX/2022 I spent XXXX on the phone trying to redeem rewards on my credit cards and the system would not function. I wanted to make a payment toward my credit card but the system would not disclose how many points I had in XXXX amounts and when I spoke to bank employees or credit card employees they said there was nothing they could do to fix the issue. I asked for a mailing of the rewards program but they said it was online. I wanted to use the visa rewards to make a payment toward the XXXX XXXX card but that feature was not showing. NO one at the bank knew how to fix the issue. Nothing on the website seems to function. It feels like a targeted issue toward me versus a system wide issue. XXXX of my banking documents are missing. Those that are shown expired are not located in the expired file either. Massive disorganization of files. The website has script issues.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 45424
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: Flooring was supposed to be installed in my home and a payment be made to the flooring company, flooring was never installed, but the flooring company took the money. My bank will not refund the money. USAA is allowing this business to steal {$7500.00} from me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89131
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I, the consume and natural person, was denied a car loan by USAA when I applied on XXXX.XXXXAdverse action against a consumer is AGAINST THE LAW according to 12 CFR Part 1002 of the Equal Opportunity Act. In which Regulation B protects applicants from discrimination in any aspect of a credit transaction and aspects of credit transactions include the following : Consumer credit Business credit Mortgage loans Refinancing Open-end credit Credit applications Standards of creditworthiness Denial of credit Servicing and collection Revocation, alteration, or termination of credit The Equal Opportunity Act is codified in 15 U.S. Code 1691 ( c ) and is pursuant to civil liability under U.S.C 1692k . USAA is subject to criminal liability for violating 15 U.S. Code 1691 as I have the proof that I was discriminated due to the response I received. I the consumer made the application in good faith, but loan was not issued. Furthermore, because USAA as access to my social security number, described as a credit card under 15 U.S. Code 1602 ( l ). I received no benefit. This is proof of fraudulent activity ( unauthorized use ) o n behalf of USAA. I am the original creditor by means of my social security number. 12 U.S. Code 1431 - Powers and duties of banks, stipulate USAA can ONLY borrow, and is only loaning the funds created from my social security number and signature on file. If USAA fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card ( social security ). I will indeed make USAA criminally liable for all actual damages pursuant to 15 U.S. Code 1681 ( n ) and 15 U.S. Code 1681 ( o ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 655XX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: USAA has frozen our accounts as of XX/XX/XXXX without providing a reason and we are unable to access our funds to pay bills. Social security income direct deposits for XXXX and soon XXXX will be in that checking account. After numerous calls, we were just informed by an " expert advocate '' of USAA ( XX/XX/XXXX ) that we won't be able to get funds for 60 days and there is NO ONE that can change that at USAA. She could NOT provide a reason she said as to why the bank made this decison. So, my husband has changed his social security income deposit after opening a new account at a local bank but it will not be effective until XXXX per social security. We also have a credit card with USAA which we obviously can't access or make payments. I asked the USAA person ( XXXX ) if we will be charged a late fee if we can't get to our funds to pay them and interest will be accumulating- she has no answer. So they not only have our money but are making additional interest at our expense. This is so wrong and horrible way to treat a consumer much less a XXXX that they supposedly " support ''. How do they get away with this? How does a person pay their bills when a bank doesn't allow access to a person 's funds? XXXX XXXX USAA, you should be ashamed of your tactics.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 960XX
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: The only XXXX negative reports on my credit are from XXXX XXXX XXXX XXXX and USAA both were credit cards and were over limits. The years the card was supposedly in my possession XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: 841XX
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I had a fraud issue and had a copy of my credit report pulled. After review mistakes were found. Please note under 15 USC 1681b, I never had a communication with USAA credit card company and had never gave permission placing disclosing on my credit history.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48188
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: I had a Power of Attorney, and XX/XX/XXXX she transferred {$55000.00} from my USAA ACCOUNT to her personal account. I was denied permission from access to see available funds to this account, and I was verbally told by my P.O.A. that I had {$50000.00} in my checking account. I asked USAA in XXXX to do an investigation into the transaction, and I received a notification identifying that the transaction was legal and valid. On XX/XX/XXXX I received a document from my P.O.A. that funds were invested into a Certificate of Deposit Account in her name at XXXX XXXX XXXXXXXX on XX/XX/XXXX for a total of {$53000.00}. I would like funds Transferred legitimately back to the original account of USAA.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, USAA SAVINGS BANK acc # XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 236XX
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I was a member with USAA for 4 years, had a 2 checking and 1 savings account that every XXXX of our income was deposited into. My wife was XXXX XXXX XXXX and got robbed leaving work and they got her purse with her wallet, keys and phone in it. she had what she called XXXX brain at the time and kept a little slip of paper in her wallet with all of our important phone numbers, passwords and pin numbers to everything in her wallet, in case she needed one of them, and couldnt remember. all of that was taken during the robbery. we contacted police and got a police report for the incident. The robbery put her into XXXX XXXXr and by the time everything had settled, we finally got our son out of the XXXX, and I sat down to see why our bills had started bouncing back when we had well over XXXX in between all three accounts I obviously had to look into what was going on. That was when we first realized that not only had our account almost been cleared out, but her identity had been stolen. They didnt just stop with our money either, they also applied for credit cards and loans in my wife 's name. USAA was very nice at first and our first fraud claim with them was over {$4000.00}. They are a XXXX liability bank and gave us the permanent credit back fairly quickly. they were supposed to cancel our cards and put stop payments on anything coming through but they didnt do that and our account just kept getting hit over and over. We would call and ask them to try to identify the people doing this because they were using the information gained in the robbery, from her wallet, to transfer money from one account to another and it was like we had absolutely no control over our money but every time they would credit us some of the money back. after they knew about the identity theft they were supposed to protect us but instead of protecting us they did not protect our accounts it was like a free for all. there was money coming up missing left and right and to be honest there have been times when we have actually thought there might have been something going on within the bank itself. 2 months ago we got a letter in the mail that told us they had decided that there had been no error made and they were going to reverse the credits that they had given us. keep in mind that we still had not gotten what we had lost back and the very next day they started taking money out of our accounts, saying that it was because they found no error. all in all they out of nearly XXXX, we have been left with a negative XXXX in our bank and they are now saying that they are utilizing their right to not do business with us anymore. i spoke to a woman named XXXX that was supposed to be over the fraud department and she treated me like i was a child. her very first words on the phone to me were " do you want to tell me the truth, or are you going to lie to me ''. they have started transfering money from one account to another themselves but have totally cut us off, telling us the account is closed for anything but credits. one of the credits was our income tax check for almost XXXX. we have never gotten to see any of it because we have had our online access removed and everything. just last week, we got a letter in the mail saying that they needed our social security numbers and other personal identifying information, but when we called all were told was that the accounts are closed and only accepting credits. even though they have cut us off from any access to the accounts, they have not cut off our email notifications and we have been receiving notifications every day almost, telling us about more and more transactions have been found in our favor, but who and where are they going to? it is not being put towards the amount that they have overdrawn us and A few days ago they told us that they were charging the accounts off onto our credit as a charge off- fraud based. we have had it with them and do not know where to go from here. we have a new baby to take care of and have literally lost everything we had to our names and all of it has been accepted by a XXXX liability facility. They have now completely shut us out of being able to see any of our documents and have made it impossible to even see an account there.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 380XX
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A