Date Received: 2022-12-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: USAA is reporting accounts on my credit report that they no longer own and have sold to collections. These accounts should be removed from my report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 45224
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: TO DATE IS XX/XX/XXXX MY NAME IS XXXX, XXXX I AM FILING A COMPLAINT AGAINST XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, BOTH COMPANIES failed to follow reasonable procedures to assure maximum possible accuracy in the preparation of my consumer report consumer reports as defined in 15 U.S.C. 1681a ( d ), and consequently reported inaccurate information about me causing me irreparable harm. 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 This account dont belong on my consumer file and must be deleted immediately USAA SAVINGS BANK XXXX Date opened XX/XX/XXXX Consumer reports under 15 U.S.C . 1681a ( d ) include both credit file disclosures obtained directly by me from the consumer reporting agencies and consumer reports obtained by third parties as a factor in establishing my eligibility for credit. XXXX negligent, willfully continued to report the inaccurate information even after dispute notices under the FCRA absent notices of dispute about the accuracy of this account and I have notified XXXX of an error and requested a re-investigation which never happen. Despite various disputes I had submitted to XXXX company willfully ignored all my attempts to correct the misleading information, that resulting in the denial of various loans. Which cause me irreparable harm, emotional and financial stress to me. XXXX unreasonable policies and procedures routinely report inaccurate and materially misleading information about consumer file including this account with USAA SAVINGS BANK that have been discharged from identity theft and has no permissible purpose. Rather than follow reasonable procedures to assure maximum possible accuracy, as required by the FCRA, XXXX frequently reported information regarding debts based on information they know is incomplete or inaccurate. Remove this account from my file USAA SAVINGS BANK XXXX Date openedXXXX ( ( please see attachments ) )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33317
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
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: On XXXX of XXXX during the amidst of XXXX, my spouse having been XXXX, and loss of income, I unintentionally incurred a late payment on my USAA credit card account. I have no prior late payments or any late payments made after this month. I had thought the account was put on autopay and am not sure what happened. However after discussing with USAA they refuse to remove the late payment which is negatively impacting my credit score. Due to the circumstances at the time, and given my current account status I dont understand why the company has not looked into the matter perhaps it was an issue with the app or something and forgive or dismiss my ONE late payment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Account frozen without notice for three days for an investigation leaving elderly account holder without access to cash in the 3 day interim, until the investigation is concluded. No regard or consideration given to the fact that this is the only financial institution and locking account up leaves the person financially stranded for 3 days. Tried to request that the investigation be expedited unsuccessfully after mentioning that it is the only financial account and that I could not buy groceries to make it through the weekend. Placed me, XXXX widow without kids or family in significant financial hardship for three days as I do not beep cash in the house and did not have enough food to make it through the weekend. Account was locked on Thursday and will take 3 business days to be unlocked ( 5 actual days without any access to my funds.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PR
Zip: 009XX
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX 2022, USAA Savings bank locked my accounts without warning. They have been locked for a week. I have contacted them XXXX times and no one will provide me a reason for why my accounts have been frozen, or when they will be unfrozen. I currently do not have any access to my funds. The last response I got was on XXXX XXXX 2022 saying that they would initiate another review to see if my funds could be released. However, since it is a weekend the earliest I could get access to my money would be Wednesday XXXX XXXX. I have bills that have come due and others that will continue to come due as USAA continues to withhold my money from me iwithout reason.
Company Response: Company believes the complaint provided an opportunity to answer consumer's questions
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My sister died on XX/XX/2022. The probate court assigned me as personal representative to handle her affairs. The court provided me with written notification of this, and my attorney advised me to open an estate checking account to pay my sister 's final expenses.. I called my sisters bank, USAA, to start this process. USAA advised me that they did not handle estate accounts. Being that there are no " brick and mortar '' USAA locations, I asked the rep with whom I spoke how to handle this. The rep informed me that they would issue a check directly to me, that I could take to my local bank, or wherever I opened the estate account. The value of my sister 's accounts was rather high, and I did not feel comfortable with a check of that value being in the mail. I asked if we could wire the money, and they said, " no ''. I was told that the only option to transfer the money quickly would be to establish a checking account through USAA in my name, and transfer my late sister 's funds into that account. I was further told that the transfer would be instantaneous if I chose to do that. I opened the checking account in my name as USAA RECOMMENDED. Once I opened the checking account ( on or about XX/XX/2022 ), I was then told that it would take 15 business days for the money to transfer from my sister 's account into the new account. When I protested and stated that this was not what I was told originally, I was told by the rep that it was simply USAA 's procedure. On or around XX/XX/2022, the money from my sister 's account finally transferred into the newly established checking account that USAA opened in my name. Once this happened, I called USAA to have these funds wired to the estate checking account that I had opened at my local bank. MAY I REITERATE THAT THIS IS THE PROCESS THAT USAA TOLD ME TO DO! This time when I called, the rep with whom I spoke told me that I could not wire the money because my account had not yet been open for 30 days! My overall complaint is that USAA will find ANY reason they can to not release funds, or delay releasing funds. USAA has clearly failed to understand the simple concept upon which the banking industry was founded ... .A secure place to keep your money and access it when YOU need it. NOT when the bank decides to release it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 461XX
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: With XXXX XXXX Credit Card they are showing late payments during COVId I moved hadn't gotten bills and asked the to remove the negative and they haven't it's 3 negative not payment history under 15 US Code 1666 late payment can be removed USAA is credit Card that I didn't open o had a family member who live with during the time rhat cards were opened and they obtained my information and got the Card ran them up then left I need this removed as they have been Charged off with 15 U.S. Code 1681 C-1 Section 604 A and section 605 B C-2 the laws protect against stolen identity I would like to have them removed for employment purposes I work hard to keep my credit afloat
Company Response:
State: NJ
Zip: 08002
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: XX/XX/XXXX my cards were accessed and used to make false charges. At the same time someone sent themselves XXXX checks for XXXX XXXX each, {$5000.00} total. I regained access to my account on XX/XX/XXXX and contacted Usaa. I was told my account would be reimbursed and to call back in a few days. It took XXXX weeks, in part because my file was never updated. During that time I was contacted by a data recovery scammer claiming even more of my data had been exposed. Over the course of several days he gained my trust and convinced me to authorize a transfer of {$9000.00} on a XXXX call with him and a USAA rep XXXX who I asked repeatedly whether this seemed legit and ignored me. After sending the {$9000.00} I decided I had been scammed and put a stop on the transfer. The same day, XX/XX/27, USAA contacted me and said they were electing to sever their relationship with me as a customer. All my credit cards, all my savings accounts, and all my checking accounts. Now my funds are in limbo for XXXX months while I wait for them to finally close my accounts and transfer my funds. I had been a loyal USAA member for XXXX years and previously would have recommended them to anyone eligible. Now I just want them to send me my money so I can never interact with them again.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: CO
Zip: 80222
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I opened a USAA checking account in XXXX of XXXX. It is now XXXX of XXXX and i have somehow amassed a whopping {$2400.00} in NSF fees alone. This is only on one of my accounts. The other i opened hoping to get away from the unauthorized transaction attempts, and it has racked up close to XXXX dollars in the matter of 3 months. So total in fees im close to {$3500.00} in the span of XXXX years. This is supposed to be a military bank for servicemembers and their familys and i have never felt more unsafe financially than with this bank. XXXX XXXX, i never had a problem with for 10 years. And when i called USAA to ask for a refund i was told i only get XXXX. XXXX XXXX also refunded me anytime i asked and did it in full all at once. Fantastic people there. USAA feels to me more like a trap, skimming anywhere from $ XXXX {$120.00} from every paycheck ( i get paid weekly ) and denys me what is supposed to be my money anyways! And now i hear that they are doing away with NSF fees at the end of XXXX. Are you kidding me... so is that supposed to make me feel better about all the money they already " charged '' me for unauthorized and repeated transactions from the same people reattempting almost every day? I am just sick of not saying anything to anyone about it and to be honest id hire a lawyer if i could afford it. The times are hard enough without a greedy bank charging me for nonsense. I can understand if i was actually typing my PIN in or swiping a card or writing a check. But almost every NSF fee i have been charged for was due to repeat attempts to withdraw without approval from myself.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76504
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: My wife and I have Visa credit cards from USAA. I have been a member of USAA for 59 years. We spend approximately {$1500.00} each month on our two cards, USAA offers 1.5 % cash rewards on our cards.. My wife observed that the 1.5 % was not being deducted from the balance owed and had not been for some time. We called USAA to find out what had happened to the cash reward. We spent several hours and were shunted to at least eleven different people but no-one could explain where our money was. We were told our reward was {$34.00}. We have concluded that USAA has committed a fraud. They claim we get 1.5 % but they can't tell us what has happened to the money we are owed
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 852XX
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A