Date Received: 2024-01-28
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I HAVE FILED NUMEROUS COMPLAINTS ABOUT THIS SAME ISSUE IN THE LAST THREE YEARS!!! I NEED THIS RESOLVED ASAP! XXXX continues to report this USAA ADVERSE ACCOUNT as open and as a closed within the last 30 days They keep re-reporting it so every month my credit score drops 30-50 points!!! I can't keep living like this!!!! SOMETHING HELP ME OR WE WILL BE DRIVE TO XXXX!!!! USAA CLOSED THIS ACCOUNT IN XX/XX/year> AND with the help of XXXX USAA is HOLDING ME HOSTAGE BY CONTINUING TO REPORT THIS DEBT AS NEW AND THEN CLOSED WITHIN THE LAST 30 DAYS PLEASE STOP THEM FROM DOING THIS AS WE ARE BEING DRIVEN TO EXTREME POVERTY. MY SON HAS XXXX PLEASE HAVE MERCY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91321
Submitted Via: Web
Date Sent: 2024-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My name is XXXX XXXX, I have been a USAA customer since XXXX. I have a USAA checking account, although I don't use it as my primary checking, I use it on occasion. The USAA sent me an email today informing me that my checking account has been closed because I have had XXXX balance on my account for a very long time. However, I checked my statements and I have a XXXXXXXX balance on my account till XX/XX/XXXX. The XXXX balance is only from XX/XX/XXXX to now, which is about 2 months. I don't think two months can be considered an account not to be used for a very long period to result in an account closure. Also, I have never been informed that there is a minimal balance requirement for a USAA checking account, nor I have been informed by mail. I feel that closing my checking account is unethical and does not align with regulations.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: USAA credit card Account # XXXX balance {$8500.00} I was unable to keep up with the monthly credit card payments in 2018 due to financial hardships before and after the COVID pandemic. My daughter was diagnosed with a medical condition and I was supporting another young daughter also. I was helping other family members living in the XXXX who needed financial help due to major health issues and typhoon storm disasters. My income source as a XXXX XXXX was always unstable and requires long grueling hours.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94080
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: USAA FCB locked me out of all my accounts with them due some perceived fraud activity on my credit card. They had me verify the credit card transactions I made on my credit card via text message. Despite verifying my credit card charges were not fraud, USAA Fraud and credit has issued a complete account lock ON ALL my accounts, including my checking accounts, home and auto insurance, credit card and college savings accounts that were not affected by the fraud alert. USAA is refusing to provide me with any way to resolve this issue after more than 1 week and several calls to try to figure out whats going on. I cant log in to my accounts through the USAA mobile app, or on my computer and I cant even get access to my balances by phone because they have locked me out of everything... for No reason.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: CA
Zip: 93036
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I raised concern via CFPB regarding USAA debt collection and reporting practices for two charged off accounts. I was contacted today, XX/XX/26 by XXXX who stated she works for the CEO. She also ensured to inform me the call was an attempt to collect a debt. Without addressing my concerns that I raised, XXXX went on to notify me that there was actually another charge off not reporting and she made a request to have it added to my credit report ( retaliation l? ). When I asked for the date of delinquency she first didnt have it then after I stated such she claimed XXXX XXXX making this account beyond reporting to XXXX. USAA has also over drawn my checking account after assuring me this wouldnt happen- now Im questioning if this too is retaliatory?? How do we treat wounded service members this way? And this is the office of the CEO?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76502
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Requested to have a wire transfer from my bank, USAA. The amount I needed for the wire transfer ( for closing on a property ) was a little less than {$58000.00}. USAA stated that my account was " flagged '' ( or something similar ) because I had DEPOSITED some old checks, that were no longer valid. For whatever reason, they " flagged '' my account, and that wire transfers were not an option until USAA did a review. When I tried to resolve this issue ( I have over {$130000.00} ) in my my account, they said it was their " policy '' and the funds are not available for a wire transfer. No amount of discussion, or pushing the matter higher up changed their " policy. '' Further, if my account was " flagged '' and certain transactions were not allowed, does USAA not have a legal obligation to inform me of this? In advance? And with a remedy? I have done nothing wrong, and their representatives stated that it's " their policy, there is nothing they can do ''. I don't understand how a bank, in America, that caters to the military community can have over {$130000.00} of my money, and will not issue a wire transfer to me. This is made worse by the fact that they are acting like I did something wrong... the checks I attempted to deposit were too old ( totaling around {$600.00} ), and the money was not deposited. Now, they are not giving me access to my own money. This can not stand. This is egregious. This seems like fraud.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX, XXXX, USAA Bank froze my checking account ( ending in XXXX ) for an unnecessary 2-3 day fraud review, but USAA did not provide me with any notification that my account had been frozen to allow me the opportunity to make alternative arrangements for auto payments and other transactions. On the same day ( XXXX XXXX, XXXX ), a pre-authorized auto-payment of {$1200.00} was attempted by XXXX XXXX , and was subsequently rejected and returned due to frozen account status, resulting in over {$65.00} in late fees and interest charges. USAA would not reimburse me for any charges that resulted from their undisclosed and unnecessary account freeze and fraud review.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Two weeks ago I paid off my car loan with XXXX XXXX. I canceled my bill pay and deleted all information. Usaa says that I have to get there approval to cancel any bill pay.usaa paid XXXX XXXX {$1500.00} with out my permission now Ill have to Waite for 30 to 60 days to receive my money back. Im wondering how many other payments are being paid out of my account by usaa that I havent approved. If you can please audit my accounts there at usaa. I thought it is my money but usaa says its theres to use as they see fit. This is tied to this XXXX XXXXXXXX open case XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22602
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: USAa responded to my complaint I had legitimate fraud on my account. They're claiming that they can't cover it because the person who tried to call me had my login information and they're accusing me of transferring money to them even though they saw themselves that the person had access to my account This company needs to cover this is fraud because that's what it is
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 809XX
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I noticed a transaction on my account that I did not make in the amount of {$380.00} from a XXXX XXXX in XXXX, Oklahoma. On XX/XX/2023. I live in XXXX, NC. I teported to my bank USAA Savings bank and the determine it was not fraud. I had them re-investigate and came back again and stated they determined it was not fraud.
Company Response: Company believes complaint is the result of an isolated error
State: NC
Zip: 28217
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A