Date Received: 2022-10-06
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: unlawfully garnished the accounts Financial institution for processing illegal, out-of-state garnishment orders against its my bank account. Financial institution unlawfully froze my account, garnished funds, and sent payments to fake creditors based on out-of-state garnishment fake court order. Its a fake order because it was not a judge or real court meaning being recognized by the state constitution. There is not proof that a real court order exist, a real judgement and writ of execution to collect a debt does not exist. All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. Also the program that claimed to be creditors are not listed as debt collectors and not registered with the Secretary of State of Florida to do business or to be able to collect a debt. They did not credit me anything, they have not validated any debt or given any consideration to I. XXXX will not allow a statue to be used as a cloak for fraud. Unlawful garnishment that has injured me and caused involuntary servitude. Financial institutions cooperation with corsairs ( con-artists ) at the expense of me. Also if debt can only be paid with gold and silver according to the article 1 section 10 of the u.s. constitution why did that take currency from my account. garnishments that are usually designed to make sure people have money left to live on following garnishment. Financial institution left my account balance was left to XXXX balance. I do not ingress in florida where the fake order was established.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76513
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2022 I requested a teller check sent to a rental property for a deposit. The funds were not received in the time advised. I followed the instructions provided by the representative and followed up again as advised because the company had not received the funds. When I called back I was told by 2 reps different addresses where the funds were sent. I spoke to a supervisor who then advised that they will not be able to stop payment and reissue funds despite their error for 90 days. I have explained that I will be homeless with my child because this is my rent money. They still have not resolved the issue. I provided the management with call details so they can review my interactions with their reps and locate my money. They still have not responded with a resolution. I just want the money back so I can close the account and never do business with this company again.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85226
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On the XXXX of XXXX I called USAA and explained why both off my USAA credit cards has taken too long for them to update my balance when I fully paid both of my credit cards in full payment. Usually, it takes onetime payment, and it clears out my balance. Unfortunately, it took almost two weeks for them to clear out my credit cards. The USAA credit department where verbally rude and unprofessional and giving me a hard time while I tried to explain to them that it never happened to me like this before. I just don't understand why USAA credit card department is being unprofessional and can't even handle my situation. I decide to file a complaint thru the Federal Trade Commision and XXXX XXXX XXXX for their lack of customer service skills and can't help a USAA member like me. Please investigate because I have been calling numerous times before the XXXX of XX/XX/2022 and USAA employees can't even help out. What happened to their excellence customer service skills? Please investigate.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AK
Zip: 99504
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2022 I ordered a teller check for a deposit for a rental home. I called several times to check on the status of the funds as they were never received by the company. Every time I called I was provided different information regarding where the funds were sent. After multiple calls and requests for resolution I still have none. I am told they cant cancel payment on the lost check for 90 days. I was never told that they could keep my money for 90 days even if it is their error. Now I will be losing my rental home and likely be homeless with my child and have no way to recover these funds to pay my bills
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85226
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: USAA provided a letter indicating that they have chosen to close my checking account in ( approximate timeline ) XX/XX/XXXX without providing a reason. Upon calling USAA to try and resolve the issue, four different representatives were not able to find a reason as to why USAA exercised its right to no longer do banking business with me ; or that they were not allowed to disclose the reason. I was a loyal customer of USAA for nearly 20 years of my military career and had to move my funds to another bank. There was no opportunity to resolve the issue ( i.e., was it that not enough funds were in the account, was a signature missing, was my address not updated? ). After getting married recently in XXXX, my spouse who is also XXXX XXXX military set up a joint USAA account for us. I received a letter on XXXX XX/XX/XXXX indicating that after careful evaluation, USAA is exercising its right to no longer do banking business with me, with an effective close date of one month from the date of the letter. After calling USAA again, the response from XXXX representatives ranged from : " If USAA decides not to be your friend, then there is nothing you can do '' to " we are not even told the reason so we are unable to tell you the reason. '' This really begs the question of whether USAA is using some black box algorithm to flag accounts and there is not a human in the loop to actually go in and make sure that what is being flagged makes sense. There should be a reason provided as to why accounts are being closed, and an opportunity to remedy. Also, after my spouse ( who has been with USAA for over 15 years ) indicated that if we are not able to have a joint account that we will no longer do business with USAA. XXXX representative said thank you, have a nice day and the other offered to help close the accounts.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22153
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: My USAA Bank account had been hacked my contact details were stolen, as well as part of my social security number! The scammer has successfully taken {$980.00}, and is actively attempting to transfer/withdraw money from all accounts! included XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 08520
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Since XXXX XXXX, I have been disputing an erroneous charge on my USAA credit card for a faulty car rental charge. The car rental vendor, " XXXX XXXX XXXX '' is somewhat shady, and USAA has not supported my continual efforts to report and correct a duplicated charge to my credit card. The vendor charged my card in advance for a car reservation and then when I actually rented the car, I was charged again. Additional details explaining all of this are provided in the attached documentation which I have submitted to USAA on several occasions. On at least 2 occasions between XXXX and XXXX, 2022, the materials to substantiate my claim that I uploaded to the USAA website were not fully received. I would upload them, and then they somehow did not " stay '' in my account and were never reviewed ; rather I was determined to be non-responsive to the requests for additional information. In addition to the paper trail of documentation attached, I also called USAA on at least two occasions and initially sought to use the USAA online tools to report the dispute. A part of my challenge, I believe, is that USAA has been repeatedly updating the website and not fully capable of providing online tools that do not provide problems for its members. Overall, I also find that USAA is not as fully supportive of its members as it used to be, and prefers to side with the vendor even when member documentation re : a wrongful credit card charge is provided. I have personal, similar past experience to this current incident, but for charges of lesser amounts. I do not see that USAA ever goes back to the vendor to question their billing, and if they do, they do not share any information with the member to allow a meaningful resolution of the issue. These omissions of action and/or information are not proper credit card dispute resolution methods.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11590
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Tried to make a purchase with my credit card and the transaction was denied. Called the company the card is with, ( USAA ) and was told that they are now holding payments on credit cards for seven days and that I would have to wait to use the card because it was over the credit limit. The money was taken from my bank account less than 24 hours from making a payment but, the account is over the limit because they will not process the payments I have made. The limit on the card is 18,000 but, I have made payments bringing it down to below 8000. They are sitting on my money and I'm not sure why because this has never happened before. Credit has always been available within 24 hours or so after the debit posts to my bank account. I make multiple payment a month as money comes in and these large payment were made before the due date as always. I'm going to take a guess and assume that they need money because they are an insurance company and may be having issues with accounts in reference to the hurricane in Florida. Interest on that kind of money on thousands or accounts for seven days adds up.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: 40383
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I opened a case dispute on XX/XX/2022 this was a debit card transaction that I was part of a previous credit from a merchant. The bank applied that credit to another disputed transaction and therefore this transaction the became the focus of dispute. the bank has refused to communicate with me. I am XXXX I have a XXXX condition it XXXX XXXX and I suffered a XXXX while trying to deal with the stress of this banks awful customer service. In reality this was a new and not outdated dispute because the action usaa took rendered it now as an erroneous charge again. This card was never presented at the location it was never provided directly to this merchant ( hotel ) In fact USAA can see from other transactions that I was not at that location or in that country. Since my XXXX my XXXX has been XXXX and I cant XXXX on the phone. USAA Website member contact link is not available/not operable. I questioned why after XXXX days the provisional credit was not posted ( through member chat ) and I was promised escalation communication. as other members note this does not happen. I have repeatedly requested merchant response documentation copies but they ignore email to executive communications general email and then the member chat portal. I have copies of multiple attempts and none have been responded to. I am XXXX and can not get any response. The dispute analysts only want to call and speak in person. Before I XXXX my XXXX the analyst had me send documents DIRECTLY to private email at her home without going through secure portal. I was very worried and asked for investigation about non secure way of getting documents from customer. They have refused to respond to any of my concerns. The agents don't know was XXXX access is. Some of the chat agents have looked up that there is no access working in the portal but they have no other options. They just say they escalate and someone will contact but they don't. I have agents be rude and they don't help particularly now I have XXXX XXXX. there is no way to get help with anything other than chat and they told me my only option is to write in! i have all this documented in chats. The wider dispute is very complicated and this is a part of it. it involves third party information that i need to know is secure. they will not directly communicate with me. I have been assigned XXXX advocates initially but the one has not responded to my bullet point concerns and requests after over XXXX weeks. I asked her about XXXX access as I was starting to have negative symptoms. The stress this banks failure to respond and communicate is very damaging. The agent was dismissive, obstructive and denigrated me when I raised my limitations with regard to my XXXX and asked him to review the prior chat that get disconnected. Immediately afterwards they closed a dispute without properly investigating or communicating with me as i had requested for weeks. The supposed CEO office does not respond to the general email box and the chat is ineffective. As a XXXX individual it feel as though they deliberately cut off any access to direct XXXX way communication at ab escalated level despite multiple requests.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30577
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: RE : unprofessional and discriminatory rep XXXX displaying retaliatory behavior when servicing a car loan for a Veteran. Loan # XXXX To whom it may concern : I want to complain about a terrible experience I had with one of your call center representatives XXXX from loan servicing department on XX/XX/2022 at XXXX. He got defensive, talking back to me and I dont know if he processed my car loan the right way because I feel he was going to retaliate when I told him I would file a complaint about him. On XX/XX/2022 at XXXX XXXX I called USAA at the number listed XXXX to inquire about my car loan and to refinance it. A girl answered the phone and I started asking her questions regarding my car loan but she seemed confused and would put me on hold for long periods of time without saying anything. I was on the phone with her for 32 minutes and nothing got done. She ultimately gave up on me and ended up hanging up the call. I did not like this type of service since I had already had been holding on for a long time and for her to hang up the phone was uncalled for. I never got a call back from her so I decided to call back. On XX/XX/2022 at XXXX XXXX I called same number XXXX and XXXX answered the call. At the beginning he seemed a nice person but later during the call things turned for the worst and XXXX got ugly, disrespectful, defensive, and portrayed discriminatory behavior toward Veterans. I hope you are able to pull this call and listen to it because you will be able to hear his sketchy behavior. Initially I told XXXX that I was not happy with the previous rep hanging up the phone on me and that I was busy and had things to do instead of wasting my time calling back regarding my car loan. He snapped back right away and he said we are busy too. I did not like his tone of voice. So, I proceeded to tell him that my car loan needed refinancing and to process the application. During the call he got defensive when I told him that if reps did not do a good job, then we would find another bank to service our needs. I told him just imagine if you dont have customers then you would be out of a job XXXX XXXX He said I will always have a job I am not worried. I am an electrical engineer he said. I was thinking what is he doing there working as an operator then if he can get a job anywhere as an engineer. At one point I told him dont argue with me and just finish the paperwork processing my car loan. I could not wait to finish this call since he was talking back all the time and did not seem that he wanted to process my car loan or perhaps mess something up in the process. I was on the phone with XXXX for 25 minutes but it seemed an eternity. I did not trust him anymore. At one point I asked for his credential and he refused to provide anything else but just his name. I also asked for an address to where to file a formal complaint. I told him that I was not happy with this call and that he needed better customer service skills. Then he got ugly and he told me that actually I was the problem because on my file he could see that every time I had called USAA there was a compliant about me!! He said that on record the days I had called on file there were negative reviews about me and that I was the issue. I started thinking that XXXX was going to retaliate and not process my loan. I have called few times USAA and only when there is an issue or there is something I need or something does not look right on rates. For XXXX to make XXXX blatant revelations from the files on his computer was alarming and offensive. I started thinking that us Veterans are at fault for calling USAA and that we are being blacklisted on their files. One issue that was overlooked by XXXX was that we Veterans may have some issues and we are XXXX and with limited abilities. But that does not give USAA a reason to be discriminatory toward Veterans or be disrespectful. I am a 100 % XXXX former XXXX and dont like being disrespected by USAA or their reps. Now I know USAA is profiling Veterans and making us feel at fault due to our XXXX. That is discrimination!! We are being blackmailed and negative comments are put on file at USAA so reps know how to act and what to say to Veterans. I told XXXX towards the end if I could speak to a supervisor and he refused. I requested a call back from a supervisor and he said someone will call you back today before XXXX but nobody did that day or anyway after that conversation. At this time, I am asking USAA to review my car loan and to make sure everything was done correctly and that nothing was done with prejudice from loan officer XXXX. Last time I checked on XX/XX/2022 the loan had not been updated. I did not trust XXXX and dont trust USAA anymore for any service needs. I have had issues with USAA in the past. just a couple of months ago USAA would not let me update my account or access my account in any way because I did not have the right phone number. Old phone number that was no longer in service and I could not even provide a new one! Thank you in advance for your consideration.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A