Date Received: 2022-09-06
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2022 at XXXX received missed call from USAA On XX/XX/2022 at XXXX returned call to USAA operator informed me that USAA was closing my account due to an event occurred 6 months prior. I had no problem with terminating business with USAA. Afterwards I tried to move my founds to my other Financial Institution and I wasn't even able to log in to my account. On XX/XX/2022 at XXXX called back to USAA and talked to XXXX XXXX ( XXXX at XXXX Department ). I told her USAA closed my account and illegally withhold my founds including my XXXX Pay that I need for my monthly bills. She informed me I would received a check within " '' ' '' '60 DAYS!!!!!!!! ' '' '' and that they wouldn't change their mind or was anything else she could do to help me access MY MONEY, then she proceed to hang up on me. As I already said I am completely fine terminating my XXXX years with USAA but I am not ok with USAA withholding my founds without previous warning or opportunity to move my founds and putting my credit and whole financial situation in jeopardy. I do not have any overdrafts or delinquencies to justify holding my money and it is illegal to appropriate my founds and play with them for 60 days. I need my bills paid now and that is my money.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: ******CPFB***** This is regaurds to an account that has a few late payments that is on my credit report, it is reporting as joint when in fact I was never ever a joint member on this card, I have tried numerous ( more than 10 times per bureau to explain that I never once filled out an application via Phone, nor in person or by mail.I have asked for some sort of proof as to why they keep updating the file as apposed to deleting it and I get nothing.I have disputed the file so many times and each time they say that they have ammended some part wich the file is not large enough for them to have done So.The part that really gets me is that i am not claiming no affileation to the card I was suposed to be listed as an authorized user on the card I never had a card it was only to benifit my credit I was never ever responsible for the bill XXXX XXXX the primary was. They even had personal info on my file that was incorrect claiming i had an address in alaska and one in florida wich i have never lived at either address, This Account in question is a USAA credit card for {$25000.00} the XXXX XXXX payed off I had nothing to do with it I do not so much care if the card has to stay for how many ever years but i should not have to suffeer the impact from the missed payments please advise XXXX XXXX, XXXX, and Usaa to remove the late payments or theaccount all together since I am placing my cries on deaf ears dealing witrh the unresponsive credit Bureaus thanks in advance
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29483
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-04
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: On XX/XX/2022 I was denied an extension of my credit for an auto loan by USAA. I, XXXX XXXX, Consumer /Natural person rights were violated by USAA XXXX Adverse action against a consumer is AGAINST THE LAW according to the EQUAL CREDIT OPPORTUNITY ACT which is codified in 15 U.S. Code 1691c and is pursuant to civil liability in 15 U.S. Code 1692k. Violations include 15 U.S. Code 1642,15 U.S. Code 1681m and 12 CFR 1002 being that I made an application in good faith, but credit was not issued. In addition my Social Security Number ( credit card ) was used and I received NO benefit proving this to be proof of fraudulent activity, unauthorized use of a credit card by USAA. If USAA fails to make any reasonable procedure to resolve this matter and compensate me for the use of my credit card I will indeed make USAA criminally liable for ALL DAMAGED PURSUANT TO 15 U.S. Code 1681n and 15 U.S. Code 1681o! Credit : is the right granted by a creditor. A creditor is one who regularly extends credit, and is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness. Therefore pursuant to federal law, USAA an not extend credit nor be a creditor. USAA stated I was denied the extension of my own credit due to delinquent past or present credit obligations. I know I am the consumer and original creditor shall not be discriminated agaisnt in any aspect of the credit application. I was discriminated against in the inital part of the application because I, in good faith execercised my right to extend credit ( 15 USC 1691 ). Not only is this discrimination, due to the fact that another consumer with a " better credit worthiness '' would get approved the extension of their own credit. This is UNAUTORIZED USE of my credit card ( 15 usc 1602 ( l ) ), I completed a credit application, my credit was checked, and everyone benefitted from this transaction except the cardholder. s I know am the original creditor I granted USAA the right to extend my credit. I granted the right to extend my credit with my credit card which in pursuant to 15 USC 1602 ( l ) is defined and will prove my Social Security Card number is the card credit device existing for me to obtain money. In pursuant to 15 USC 1681 ( a ) ( k ) - adverse action. No where does it mention denial of credit. Why is that? Dont you think under the laws governed on credit that it would mention credit under adverse action if can deny? Well it does not and that is because there is no denial of credit. Again I know am the consumer and the original creditor. Everything listed for denial are factors from a consumer report but not deciding factors. can not deny me an extension of my own credit. In pursuant to 15 USC 1611 USAA are criminally liable for misrepresentations, giving false and inaccurate information and also failing to disclose accurate information. Now Im demanding USAA approve me and extend my credit that I originally extended to USAA back to me. Regardless of what USAA have to say, they can not deny me of my credit. Otherwise show me the law that states it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AR
Zip: 72401
Submitted Via: Web
Date Sent: 2022-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: USAA does not have the option to establish auto-payments for loans. This is a burden on all of its members since each person has to manually set up all the payments in advance and often causes late payments since it is not easy to pay. This is especially concerning because USAA serves military members who deploy and do not have the capability to check their bank account to set up a payment. This has been an issue for at least a year in my experience and I have been told by USAA that has been ongoing for a longer amount of time. They seem to not be making it a priority which is why I am submitting a complaint. As a future deploying service-member, it is unacceptable that this may cause me to go delinquent in my payments due to their system.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23518
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2002 I submitted a dispute with USAA for charges of {$280.00} to my checking account via debit card debit that I had not authorized from a company I have had business with and had decided to ilegally charge my account after leaving them a negative review for their services. USAA took over a month to process the dispute, only to request more information, which was information already provided, and then deny the dispute without refunding my money. I have been a USAA customer for over 21 years without issues and now they decide to allow someone to steal from me. Seems like they did not do any investigation whatsoever and just denied the dispute. Have they don't their investigation, they would have seem that the company did not have any right to debit from my account since I had not given them permission to debit anything, so they wouldn't have any receipt or authorization allowed by me. In addition, I did provide documentation of any payments given to the company, which were not even in the same amount of what the company debited without permission. This is simply fraud and USAA is allowing it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32955
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: I had a person reach out on XXXX for a commission ( XXXX XXXX, @ XXXX on XX/XX/22 ) and she also said she was from XXXX XXXX, UT ( Address : XXXX XXXX XXXX XXXX ) and so I thought she might've known me through a coworker. When the details came to payment, she said that she couldn't use any of the money transfer apps due to some fraud issues there. I've been dealing with a lot of fraud on my credit card lately and didn't see that as an issue. She said she could pay me via check but the minimum amount she could write one for was {$1000.00} and so I'd have to refund her {$750.00}. When I deposited the check, I had heard about fraud causing checks to bounce when a person writes a knowingly bad check, so I called my bank ( USAA, XX/XX/22 ) to make sure this wouldn't happen. They had said the check was deposited and I thought that meant I was good to go and so I then sent the XXXX transfer. I later got a strange email that made me suspect that this was a scam after all, so I XXXX what to do, alerted my bank, and tried canceling both the check and the transfer. The check was later officially declined and the resolution of my XXXX transfer was found to not have any issues, despite the fact that the only reason I proceeded with the transfer was that my bank said it was okay. Because of this, I re-opened the claim about the transfer ( XX/XX/22 ) and asked for them to include the phone call I had made to them as part of the dispute. Their reasoning was that I authorized the transaction, but my reasoning is I wouldn't have authorized it if they didn't tell me it was okay. The XXXX transfer dispute was once again found to not have an issue and so I called USAA again ( XX/XX/22 ) and was escalated to the fraud department. It's been a week and I should have heard back by now and so I'm worried that USAA will still find no issue on their end and that with all this time passing, I have even less of a chance to have my money returned. I also tried having XXXX send me back my money, but she keeps having idiotic reasoning about why she can't unless she has my bank login info.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have reasonable cause to believe that USAA fraudulently furnished my nonpublic personal information to a non affiliated third party. As the fiduciary USAA had an obligation to protect the security and confidentiality of my nonpublic personal information. I'm aware per 15 U.S. Code 6801 - Protection of nonpublic personal information, The Sherman Antitrust Act of 1890 ( 26 Stat. 209, 15 U.S.C. 1 7, The Racketeer Influenced and Corrupt Organizations ( RICO ) Act that I should have received an explanation on how to opt out of having my nonpublic personal information disclosed to a non affiliated third party. I have not received such explanation. I have reasonable cause to believe that USAA has omitted information required by law to disclose as an attempt to bring harm to me and my financial reputation. I have reasonable cause to believe that this has been done in forethought and malice. I have reasonable cause to believe USAA has not acted in good faith. USAA has fraudulently furnished negative information to a non affiliated third party without my lawful consent. Do to the non disclosure do to the known fact of any implied acquiescence would render a contract illegal. I have reasonable cause to believe that the CRA 's have not conducted any reasonable investigation due to the unjust enrichment received. This conspiracy against my rights is a violation of the Sherman Antitrust Act and is causing a restraint of commerce or trade due to the punishment for the non repayment of an extension of credit. I have reasonable cause to believe that this was done to coerce payments under duress. This is a unilateral contract. How is this a lawfully binding contract? Only one side or party USAA received consideration. If one side receives consideration the contract is not lawfully binding and illegal under The Sherman Antitrust Act of 1890 ( 26 Stat. 209, 15 U.S.C. 1 -7. No contract can make me give up my constitutional rights. USAA never gave me a contract to verify the alleged debt. USAA has XXXX days to remove the alleged debt or give the consumer a contract with a signature. USAA financial institution is causing a restraint of commerce and fraudulently validating an alleged debt with a billing statement.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 765XX
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: USAA has not issued the refund that was given to them by XXXX XXXX XXXX. The card is closed. I was told it would be sent to me via check. Then I was told it would be sent to XXXX. None of these things have happened. See below for XXXXXXXX XXXX response regarding the refund status. I have reviewed reservation # XXXX and can confirm that the deposit of {$500.00} was returned to the original form of payment, card ending # XXXX, on XX/XX/2022. We encourage you to reach out to your financial institution if you have not yet received these funds as they have not been returned to XXXX XXXX XXXX at this time. I hope this information has been helpful. If you require further assistance with any other inquiries, please feel free to contact us. Have a Wonderful Day. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NM
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: they have violated 15 USC subsection 1692g ( b ) in accordance with fair credit reporting act XXXX account # XXXX has violated my rights. 15 USC 1681 section 604 A section 2. it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose. I have also sent a request for verification of this account in which I still have not received any original contracts with my signature on it. I sent a identity theft report and letter hat request the block of inaccurate information which in this case has been ignored multiple times. this account with this alleged debt comes back verified every dingle time with no form of Verification I requested provided. This USAA Savings Bank Account # XXXX NEEDS TO BE DELETED AND REMOVED immediately From my consumer report To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 15 USC 1681e ( b ) compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) That you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. My identity has been stolen you are hereby put on notice. Aggravated Identity Theft pursuant to 18 U.S.C. 1028A 15 U.S. Code 1681b - Permissible purposes of consumer reports
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07501
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My rights to privacy were infringed upon pursuant to 1681 ( a ) ( 4 ) Also, I never have permissible purpose or written instruction 15usc 1681b ( a ) ( 2 )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 39402
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A