Date Received: 2022-08-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2022, I was contacted on XXXX XXXX regarding some textbooks I was selling. The individual ( who deleted all of their account information ) asked to send me funds through XXXX, which I have never used before. I never received the funds, and they told me that their money ( {$180.00} ) was being held by XXXX because they selected the recipient ( me ) as being a business and told me I needed to send {$300.00} to a XXXX team member ( " XXXX XXXX '' ) in order to expand my business account limit. They told me that XXXX would give me all the money back ( {$180.00} + {$300.00} ). I got an email ( which I no longer have ) from " XXXX '' with instructions to send to them the money and I sent it to " XXXX. '' Afterwards, I got another email ( which I still have and is attached ) asking for the final process of expanding my business account, which was sending {$500.00}. I told the person that this was a scam and that you should never send money to anyone to open an account. They deleted all of their information and I was unable to settle the issue with the person. Requested a dispute of the transaction through my bank, USAA, and they denied the claim.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80120
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
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: I tried sending over my dispute letter to them, but the address given on the report was invalid, and my letter was returned.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91915
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: The following incident occurred with USSA Federal Savings Bank : Wednesday XXXX XX/XX/2022, at XXXX, I logged into my USSA savings account to increase my daily limits for ATM withdrawals. I needed to pay a contractor that did construction work on my home and wanted to pay him first thing in the morning when he came by. When I made an attempt to withdraw funds, I was unable to. I called USAA and told them what I was trying to do. I was made aware that the increase in funds did not allow for an increase in ATM withdrawals, I was only allowed to withdraw {$610.00}. I made mention that I was unaware of that. The representative recommended that I make multiple attempts to withdraw what I needed. When I tried, I was immediately locked out of my account. I went home and got online, and I was locked out of reviewing my account online. Ii called back to inform USAA what happened and was advised to contact them the next morning. The next morning I contacted USAA and was told that my account was sent to the fraudulent department and would be locked for three days. I mentioned to them that it was not fraud and explained what I did. They said it wasn't anything they could do once it reached the fraud department. I asked them if I could speak with a supervisor and was told that there was no one else higher I could speak to. By my account being locked, I was unable to travel that weekend, plans that have been made weeks ago. Hotel reservations had to be canceled, I was unable to put gas in my vehicle, nor by any food for the house. Once I got through the weekend I called because it was day three. I was told my account was still being reviewed. I mentioned to them that my XXXX XXXX pay, my XXXX check, and my paycheck was just deposited, and I needed access to my funds. All I received was a sorry for your inconvenience. I have been humiliated because I have taken two personal days off work because I can not put gas in my car. I have canceled my doctor 's appointment with XXXX XXXX, which I have waited 6 months for an appointment. I have called every day and now it is day six and I have had services in my home turned off even after explaining what happened. Some agencies are working with me. I mentioned to USAA how this has affected me and that I have XXXX XXXX XXXX and my XXXX and XXXX has gotten the best of me. They continue to say, there is nothing they can do. The humiliation I feel is because I am begging them to release my money so that I can function. As soon as this ordeal is over, i am transferring everything to another account and will never do business with USAA again. They have horrible reviews and they supposed to support the Military, retirees and their families. They do not care about the financial turmoil I am currently in or my XXXX state.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28314
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello, each month I send my insurance payments via my bank to USAA and coincidentally about every 3-6 months, USAA claims that they did not receive the payment and charges a {$25.00} late fee. The most recent incident took place XX/XX/2022. After learning that my payment was not received, I called my bank and conferenced a call with USAA to verifying that my XXXX payment was made. USAA claimed that they would research and get back to me regarding the payment and the waiving of the {$25.00}. Yesterday, I received an email stating that my account was behind and will be cancelled. I call on XX/XX/2022, to find out what had taken place and they said that my XXXX payment was never received. I told them that I will make the XXXX payment ; however, I refuse to pay the {$25.00} late fee. They are refusing to remove the late fee because they said that they had already removed XXXX -- which by the way was caused by the same " missing '' payments routine. It is my belief that USAA is purposely misplacing payments so that they can charge their clients unnecessary {$25.00} late fees.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello, each month I send my insurance payments via my bank to USAA and coincidentally about every 3-6 months, USAA claims that they did not receive the payment and charges a {$25.00} late fee. The most recent incident took place XX/XX/2022. After learning that my payment was not received, I called my bank and conferenced a call with USAA to verifying that my XXXX payment was made. USAA claimed that they would research and get back to me regarding the payment and the waiving of the {$25.00}. Yesterday, I received an email stating that my account was behind and will be cancelled. I call on XX/XX/2022, to find out what had taken place and they said that my XXXX payment was never received. I told them that I will make the XXXX payment ; however, I refuse to pay the {$25.00} late fee. They are refusing to remove the late fee because they said that they had already removed two -- which by the way was caused by the same " missing '' payments routine. It is my belief that USAA is purposely misplacing payments so that they can charge their clients unnecessary {$25.00} late fees.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XXXX XXXX, I applied for an extension of credit and a few days letter I received an adverse action letter stating I was denied. I would just like to know what laws and procedures were used to come up with this determination, otherwise it is a direct violation of my consumer rights 15 USC 1602 ( e ) which states credit is my right. Also, they have violated 15 USC 1602 ( o ) unauthorized used. XXXX XXXX XXXX accessed my credit card, and it did not benefit me. There is an inquiry on my consumer report that proves this transaction took place.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I paid off my Auto Loan on XX/XX/2022. I received an electronic paid off letter confirming that the loan has been paid off in full. I requested a lien release letter from USAA in order to facilitate me selling my vehicle. USAA will not provide me with a lien release letter stating that because the final payment was made online their policy is to place a ten day hold and not release the lien until ten days after collecting the final payment. My bank account was debited as of XXXX XX/XX/XXXX for the amount quoted in the 14 day pay off letter {$2200.00}, USAA has collected the funds and have been paid in full. Their policy is causing me undue hardship as I am currently unemployed and used the last of my funds to clear the loan, in the hopes of being able to get a release letter to allow me to sell my vehicle.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20716
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: After misplacing my original credit card that I had not used in a long time, USAA insisted that I be issued a new credit card and number. This account number is listed in the USAA Consumer Report Dispute form that is attached to this complaint. They also required that I make a purchase with the card to 'activate ' it. I did have a single transaction and then waited for a bill. Because of some internal error on their part, I never received a bill in a timely fashion. When perhaps a month had gone by without any bill, I called them and asked where it was. They had not sent it because they said the old credit card had been deactivated, that a bill had not been generated properly, and there was some internal mix up. When they finally sent the bill and I paid it in full, it was recorded as late and reported to all the credit agencies. This resulted in my credit score dropping by about 60 points and damaging my credit for borrowing funds for clean energy improvements for my home including solar. I filed a complaint with USAA with their Consumer Report Dispute Form. I explained the issue and they have refused to correct their report to the credit agencies including XXXX, XXXX, XXXX and XXXX. Other than this problem, I have no credit card issues, have always paid my bills promptly etc. This was USAA 's error that I should not be penalize for. I have gone through their system and have not received a satisfactory resolution. I am a XXXX XXXX and I need your help!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I reported. a credit card from USAA that was not received and the company told me that I owed XXXX from this account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PR
Zip: 007XX
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My account got hacked On the XXXX of XXXX. I contacted the bank on XXXX of XXXX and they told me a 3 the 10 business days. it's now been then over 22 days I have talked to them on the phone for over 4 hours. I've had to resubmit multiple times my issues. I've been given multiple phone calls that phone calls that this has been resolved. The money is still not back in my account and every time I call them they have to resubmit an issue to the fraud department. The bank is usaa and I need this money to pay bills My electric bill and my water bill are about to be turned off and I'm behind on my mortgage This money will help out due to the fact that I just lost my job and started a new
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80229
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A