Date Received: 2022-11-22
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: O/A XXXX2022 I contacted USAA about closing some accounts and they closed XXXX that wasn't supposed to be closed which has a SSA pension DD to it. USAA confirmed that they made a mistake but refused to reopen it. I stated that due to them refusing to reopen the account that would have a negative effect on our quality of life due to that DD from SSA being kicked back to SSA with unavailability of those funds for XXXX to XXXX months due to their mistake, they are still refusing to reopen it.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: NV
Zip: 89084
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have banked with USAA for over 33 years. USAA does not offer an online way to register a grievance over its banking services, so I am using this method. I utilized USAA 's Mobile Deposit service to deposit a {$10000.00} check on XX/XX/22. {$5000.00} was made available immediately and {$5000.00} was put on an administrative hold that would not be released until XX/XX/22 ( 7 days ). I was notified of this hold at time of deposit. Typically, banks use a hold to confirm funds are available to be withdrawn from the bank issuing the check. I contacted USAA on XX/XX/22 via a phone call to confirm the issuing bank had withdrawn the {$10000.00} on XX/XX/22 and to ask that the hold on my {$5000.00} be released. USAA 's agent told me that she was not able to release the {$5000.00} hold as USAA, at its discretion, has chosen to administer a 7 day hold without exception because I had a bounced check fee within the last 30 days. The agent said this was for my " financial protection '', which does not make sense. Being able to pay my bills protects me financially, and withholding half of my deposit for an entire week just because you can does not protect me. I understand banks can make their own deposit/withdrawal rules. However, a 7 day hold on half of {$10000.00} check seems an egregious and financially abusive response to a {$29.00} bounced check fee. USAA has the {$10000.00} from the issuing bank. This money is mine and I would like access to the remaining {$5000.00} now.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 20171
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: It has come to my knowledge that my finance company that I have a loan from has done fraudulent activity, in my contract there doesnt seem to be a Sum of all the charges including insurance on the vehicles. And no one has ever discussed the sum of all charges with me, also this is a Consumer credit transaction but there was no cash or a check handed to me. The dates of these are XX/XX/XXXX. The loan amount was XXXX XXXX My second loan date was XX/XX/XXXX. This amount was for XXXX $ both of these loans did not go over the limit they granted.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70114
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, I purchased an XXXX online from a social media marketplace. XXXX, XXXX, and XXXX denied the payment due to high level security protocol. The scammer, XXXX XXXX, knew that XXXX through other banks ( not XXXX ) did not have any safeguards and therefore, steered me toward using XXXX. The transaction went through and the scammer gave me a fake tracking number. I have reported to XXXX and XXXX both of which found the transaction to be authorized. The transaction amount was {$450.00} and I received no product in return. After the transaction I communicated my apprehensions to XXXX XXXX and he replied that the phone has already been mailed. He then blocked my ability to communicate with him,
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80920
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I called USAA to request a refund for the NSF fees that were charged to my account. I requested a refund for ( FPB CR CARD INTERNET ) charged to my account on XX/XX/2022, and XX/XX/2022. The USAA customer service agent who processed my request did not include ( FPB CR CARD INTERNET ) in my complaint after I told him what items I was requesting a refund for. USAA Bank did not honor the {$40.00} payment to ( XXXX XXXX Bank ) and the {$40.00} payment ( FPB CR CARD INTERNET ) but charged me {$29.00} NSF for each item when there was {$270.00} in my account. MY REQUEST 1 : Refund of {$29.00} for ( XXXX XXXX XXXX Payment ) XX/XX/2022 ( {$29.00} Refunded ) MY REQUEST 2 : Refund of {$29.00} for ( XXXX XXXX XXXX XXXX ) XX/XX/2022 MY REQUEST 3 : Refund of {$29.00} for ( XXXX XXXX XXXX XXXX ) XX/XX/2022 MY REQUEST 3 : Refund of {$29.00} for ( XXXX XXXX XXXX XXXX ) XX/XX/2022 2022
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2022-11-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: USAA responded to my complaint that i submitted here, They are refusing to do anything .They still cant explain why they chargeoff fraud my account .But they say no fraud occured, This makes no sense to me. Is there another person that i could go thru at this bank, The lady XXXX XXXX was very unknowledgeable of accounts and said that they just respond to comp ; laints .She could not answer the question, I think its probablhy internal fraud the way she could not give me any reasons,
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 380XX
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: Usaa My account was croupted 4 mths ago usaa send 3 new atm cards and I closed my checking account. All attempts were by ach I had over 20 within 90 days sometimes 3 a week Usaa would always refund any money taken and fees. However after 3 attempts in one week it takes an 10 business days to settle each event. Preventing me from closings the account in the mean time 3 more would come in same account number different name you would think they could figure it out after speaking with 4 mangers a fraud department twice. There suggestion is for me to pay the {$29.00} overdraft fees and close the account Now I already been refunded the money taken this is about the overdraft fee which I refused to pay All I want is to close the account
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Last month I contacted USAA to change the delivery method of my credit card statement from paperless to paper statements due to the bank cancelling my membership and locking me out of my account since XX/XX/XXXX. I was not able to make a payment on the charged off credit card since XX/XX/XXXX and I still have not received a paper statement from USAA to make a payment on the credit card bill. There are three options for me to make a payment either through phone, online, or mail. I am not making a payment by phone or online due to USAA cancelling my membership and locking me out of the moble app for over a month and half therefore, I requested to receive a paper statement since last month and I have not received the statement to make a payment. I do not trust USAA with my current banking information due to their constant harassment and white supremacist acts of withholding and doing what they want to do with the money I earn by going to work since the year of XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: This starts XX/XX/2022 and its still a ongoing situation I am still have problems with them. When I first made the account I accidentally lied and said I was XXXX program because I thought they wouldnt check and I was just having that bank account to just save my money in there. I didnt think they was going to lock me out of MY account So they they told me to send proof that I was in XXXX and I found a paper online and sent that to them but that was only to get my funds out the account and have my money back I didnt think they was actually going to be a problem I told them I didnt want to do business with them anymore! But I sent in my ID, my social security card, my birth certificate they think Im fraud I told them IM ME just give me my money. They locked my account because I was cash apping my brother {$10.00} here and {$8.00} here over petty money like its my money they see where my money came from which is my school I just dont understand its been a 4 month situation and they still giving me a hard time they still send me letters of house much money I got in the bank but they act like they dont want to close it 2 ) I have {$2000.00} that I can not access my school sent those funds to me through my financial aid where I am taking a loan out that I will have to pay in a long run. Just please help me I even told them my mother passed I couldnt even pay for funeral cost I went through a hardship, loss of income, definition of Character. Just please help me!!! Im begging you
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29169
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/2022, USAA locked me from gaining access to my checking account on the mobile app. When I contacted USAA I was informed that my USAA membership was cancelled and the bank discontinued to do business with me. For over a month in a half I continuously tried to contact and communicate with USAA over the phone but I was informed that the customer service representatives could not verify me to talk to me and that my membership was cancelled. On XX/XX/2022, I received a letter from USAA that my checking account was in the negative over {$14000.00} and the bank is requesting my personal information as if they never informed me that my membership was cancelled. I no longer bank with USAA so why are they continuously invading my privacy asking for my personal information as if I am still a member of their bank and the bank keeps mailing letters harassing me going back and forth saying the checking account is restricted as if I didn't request in writing and over the phone to close my checking account. In addition, USAA violated my privacy by mailing a letter without any addressed receiver knowing that multiple people I live with banks with USAA violating my privacy once again with their XXXX XXXX acts towards me since XX/XX/2022. XXXX I receive assistance from an external agency that can assist me in getting my USAA checking account officially closed and stop USAA from harassing and violating my privacy as a non-USAA member.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A