Date Received: 2022-07-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Im XXXX. My only source of income is a XXXX check. On XXXX second I saw a huge amount of money in my account. I called Usaa. The money stayed in the account. On XX/XX/XXXX my daughter called Usaa she was told it looks like the money came from my sister XXXX XXXX account and that I was going to be responsible for it. My sister has not used the account since 2019 and has no funds in the account. On XXXX the bank took my XXXX check. They are accusing me of taking XXXX dollars. I did not take the money. I had no money in XXXX. I closed my Usaa account. We told the bank something was wrong why didnt they do something.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 99212
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was charged {$69.00} 3 times. When I noticed it I notified my bank. I canceled my debit card and disputed the charges. I gave the bank all the info I had. Their contact info isn't not listed on my statement other than XXXX XXXX XXXX. They're not on the internet. No phone number that I can find. The paperwork from the merchant that my bank sent to me only that states I ordered something. The info is simply my debit card number and my name, no XXXX number, nothingelse. They couldn't provide an item description however. This merchant is listed as an auto accessories store on my bank records. I didn't order any such thing. I've recieved no product. Only after I disputed the charges did the charges stop. Then a supposed delivery came into play. Why after 3 charges over 3 months did a delivery come into it the day after Isubmitted a dispute? I need that money back! I want the NSF charges my bank charged me for pmnts that bounced because of this. I need help!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78245
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
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: XX/XX/2022 Charge : XXXX Merchant : XXXX XXXX : USAA Bank They started a dispute for a return the merchant did not want to accept of BRAND NEW PRODUCT, and then the merchant stopped communicating. USAA Then sided with the merchant saying it was a valid charge without further explanation, and after crediting my account, they charged me again. A multi-million dollar bank siding with the shady business instead of a 10-year loyal customer. While the merchants are being shady, the bank cover for them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91913
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
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: On XX/XX/XXXX, XXXX and myself attempted to pay off the remainder of my loan from USAA and receive the title so my claim could be paid immediately from my auto accident. However, USAA realized they made an error several years ago and didnt place themselves as a lien holder. XXXX then asked just a statement that they have no financial interest in the car so I could be paid immediately to purchase a new car. However, they declined to do that. Instead, they want me to wait 30 days for them to go through a process to correct their error. Mail it via USPS. XXXX would then take an additional week to process it leaving me to pay out of pocket for a rental for a month. This is egregious as it was their original error and they have no interest in my car.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22207
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I received an unsolicited / fraudulent credit card from USAA Savings Bank. I promptly destroyed the card and notified USAA Savings Bank. On XX/XX/XXXX I received a " Decision Made on Your Application '' notice from USAA Savings Bank indicating that my request for a USAA credit card had been declined because of multiple credit card applications recently submitted. I have never applied for a credit card from USAA. Since receiving the " Decision Made on Your Application '' I have received a billing statement dated XX/XX/XXXX and a billing statement dated XX/XX/XXXX requesting payment of {$14.00} for Fees Charged for expediting issuance of the credit card
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: I've been involved in the below fraud. XXXX XXXX XXXX and XXXX XXXX keep saying " speak to my bank '' I requested a wire recall over 6 weeks ago originally. That was somehow lost. I've been scammed out of a significant amount of money ( over {$120000.00} in total, {$65000.00} from XXXX ) and I feel like my bank has done nothing to assist and the other banks won't speak to me because I'm not a customer. I need my bank to go to bat for me and get the money bank and have an open line of communication with me. XXXX XXXX Case Fraud number : XXXX XXXX XXXX XXXX Fraud Case number : Claim # XXXX and Claim # XXXX I was involved ( the buyer ) in a real estate transaction where XXXX XXXX called my title company and said they wouldn't release the funds to the seller because they were running a deed fraud scam and the name on the account did not match the account number. Today has marked 7 weeks. This was not able to be recorded obviously because it was flagged as fraud. A wire recall was supposedly requested by XXXX XXXX XXXX as requested by XXXX XXXX over 6 weeks ago. I cant get any information at all. The title insurance wont pay out because its fraud and XXXX XXXX said theyd return the funds. XXXX XXXX XXXX won't answer any questions regarding this case either. Both are pointing the finger and saying the other bank isn't responding. If XXXX XXXX is looking to make sure the case was fraud before returning the funds my title company sent hold harmless over two weeks ago, but also if you need proof that it is fraudulent ( and it's the first thing I noticed that the title company should have caught ) is that the notary stamp on page 6 ( below ) you can look up commission ID 's on Pennsylvania 's department of State website and can see that the name does not match the commission number. If you call the notary with this commission number ( her number is in the department of state directory ) she confirms she did not notarize this transaction. The Driver 's license provided as ID to the closer the DL number does not exist according to the records. I can't get any answers from anyone on this they keep telling me to speak to my bank, but my bank has said XXXX XXXX and XXXX XXXX XXXX aren't responding. Thank you for your attention to this matter, XXXX XXXX ( XXXX XXXX XXXX XXXX )
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: FL
Zip: 33139
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Somebody in Chicago got my social security number date of birth and open up a savings and a checking account with USAA I contacted them they told me to contact you to report it they closed the account and froze it I don't know what is going on someone has my information using it for their own purposes
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 45365
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have been a consumer with USAA for over 15 years while serving in the XXXX XXXX XXXX XXXX Several occasions since XXXX I have been having problems with USAA with XXXX paying bills on time as well with drawls being done on time. XX/XX/XXXX, I had more than enough money to pay a bill to XXXX XXXX in the Amount of {$2700.00} via XXXX XX/XX/2022, USAA denied the electronic ACH then charging me an XXXX Fee of {$29.00}. I also had money transferred into my account to make sure it was reflecting all amounts. I do have proof of all transactions. On XX/XX/2022, {$410.00} was to be automatically deducted from my account from XXXX. On XX/XX/2022. USAA said I did not have enough money in my account to cover and asceses me another {$29.00} On XX/XX/XXXX. XXXX I had complained to USAA about unauthorized charges on my account for {$79.00} from DC XXXX XXXX for the months of XXXX, XXXX, twice in XXXX. USAA credit my account. The situation was I purchased XXXX XXXX XXXX for {$99.00}. Onetime payment for a total of {$110.00}. I did not realize my account was being charged {$79.00} until XXXX. I contacted the Merchant and they refused to give me back unauthorized charges for {$79.00} XXXX. I immediately called USAA and explained to them of the onetime purchase I made on XX/XX/2022, and received from XXXX XXXX. The other charges were not authorized, nor did I give them permission or did I receive any additional merchandise for XXXX XXXX to deduct any money out of my account. This is FRAUD. USAA took my complaint and credit my account. I have my military checked deposited into my USAA account twice a month. On XX/XX/2022, USAA charged me {$79.00} x XXXX which caused my account to have a XXXX affect to happen. Not only did USAA charge me back the {$79.00} x XXXX. They then asceses me XXXX XXXX {$29.00} for one of several payments I made to XXXX XXXX on XX/XX/XXXX. On the XXXX XXXX XXXX they have a feature where you can pay each transaction called ( Pay it ). On XX/XX/XXXX I made XXXX transactions $ XXXX $ XXXX $ XXXX XXXX and {$61.00} to pay through XXXX XXXX All transactions was completed on XX/XX/2022. On XX/XX/XXXX I did another payment {$140.00} which was not completed until XX/XX/XXXX and was denied and denied again on XX/XX/XXXX. Which I was asceses XXXX both times. When money is in my account. USAA reopened my case on XX/XX/XXXX after I complained once again. I come to find out that my case was never investigated. I have submitted all documents to USAA. My account is continuing to deplete because of their negligence. My Car note was denied again. I am scared to put money into this account due to their lack of responsibility. I ask to freeze my account and was told no. On XX/XX/XXXX they reversed another amount of {$79.00}. I again called USAA to see what is going on and why would they charge my account again if I had submitted all the documentation. I asked to speak to the fraud department and was told no. I asked to Freeze my account and was told no. I had filed a complaint with the FDIC ( Case number XXXX ) hoping I can have some resolution. They had notified me the case was transferred over to CFPB. Even today XX/XX/2022, the disputes has not been updated. The status of all XXXX disputes state they have been resolved on XX/XX/2022. How can the dispute be resolved when I was told all XXXX cases would be reopened? Which means from the consumer standpoint USAA never reopened my case. Even if they did not get the documentation on time. My case is not resolved. Incomplete maybe! I am a consumer ; I do not know what goes on behind the scenes of any bank. All I know is what I am shown and what is shown to me is negligence on USAA. Please note I have uploaded more documentation showing USAA representative told me on XX/XX/XXXX, XXXX and again on XX/XX/XXXX by representative XXXX. Whom told me there was no assigned investigator on my dispute cases. but I should see something 7 to 10 days from when it was reopened on the XX/XX/2022.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11520
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: Contacted USAA on XXXX XXXX, 2022 to setup an auto loan which was originating from me, a USAA member, to purchase a vehicle from another USAA member for which USAA held the title. These details were made explicitly clear to the customer service representative named XXXX ( employee ID XXXX or XXXX ) who seemed unsure of the entire process. She assured me that she knew of the process inherently. Upon flying to XXXX on XXXX XXXX, 2022 ; I retrieved the vehicle ( as instructed by XXXX XXXX and sent in the authorization to record the lien. The very next day, I received a call from USAA who stated the loan was completed entirely incorrectly and that I would have to apply for a new loan. After two hours on the phone, I applied for new loan costing me another credit inquiry. The new loan was 0.25 % higher, no doubt because I had an inquiry the previous week. Lord knows how much this 0.25 % will cost me on the life of the loan. It is now XXXX XXXX, 2022 and the seller has yet to receive the difference in his payoff ( from USAA ). After calling back, I was told the second loan application was also filled out incorrectly and the seller needs to file a dispute with the bank for the difference. I am not sure how this bank can continue to operate with an employee constituency that is both poorly trained and unwilling to ask for help. I have also yet to receive the title which I was told I would receive in 2 weeks.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: TX
Zip: 78244
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX are the attorneys for XXXX XXXX, a former client of USAA. XXXX XXXX opened a credit card in 2022 which was the subject of fraud. USAA determined that indeed there was fraud but has repeatedly thwarted efforts to attempt to resolve including return of monies XXXX XXXX paid towards the payment of the fraudulent charges. USAA has thwarted efforts by our firm to attempt to resolve including failing to acknowledge the firm 's authority to seek out information regarding the fraudulent charges.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A