Date Received: 2022-07-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Horrible company, that do not take your money serious! I have never ever send money with XXXX XXXX ( only recieved ) One day i see my money on my bank account is gone. There was several Charges, from XXXX, to XXXX and XXXX. I DID NOT USE ANY OF THESE MONEY, I LOST THOSE MONEY DUE TO USAA! I had for a long period of time a girl living with me. Her name is XXXX XXXX. On XXXX transfers, you can see her name on my bank statement ( XXXX XXXX XXXX XXXX. So i assumed she had something to do with it. I trusted her she was good friend, but what i didn't know was her history as Fraud specialist. She have seen my card numbers several times, due to my wallet always laying around. She had access to my phone, since i trusted her. She have over several months transferred and use my card numbers to XXXX rides and cash app. Not only one time, but many time over 3-4 months. When i checking her background on XXXX XXXX, i see that she have several charges regarding fraud. So i would like to know, who i can contact from XXXX XXXX that can confirm it was me, sitting behind the screen and made a money transfer? Or do they have XXXX footage they can check and see who was at the store and send the money? I would like a copy of their rapport. Because it was not me, who did it for sure. It's not fair that you gon na shut down my account over something i didnt do.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: HI
Zip: 96826
Submitted Via: Web
Date Sent: 2022-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: USAA is discriminating against me as a XXXX XXXX XXXX and not reporting my Account as Settled within the " Payment Status '' Section of each Credit Report and, thereby, causing a negative impact to my credit reports which are not reflecting the payment had been made on XXXX. Account was Settled and should reflect this status within the " Payment Status '' area to properly update the Algorithm data to properly increase my scores vs. only placing the payment status in the 'comments section ''. Updating the " Payment Status '' section of the Credit report should reflect " Account Settled '' When I spoke to USAA they claimed they would place an updated document on my Portal this week, however, it never happened. I also reached out to XXXX XXXX XXXX, XXXX on last week XXXX XX/XX/XXXX, who took my payment on behalf of USAA for {$690.00}, stated that they notified USAA in XXXX that the Settlement was Paid and they were responsible for updating my Credit Reports, however, USAA has not updated my Credit Report to reflect the USAA Account ending XXXX was " Settled ''
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2022-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Between XXXX XXXX 3 fraudulent checks were deposited into a joint account with my son for just under {$15000.00} by a person who claim to hire my son. The funds were removed from the account via cash payment apps ( These are traceable transactions ). My son called the to report the fraudulent active and a dispute was filed. When he called back to check on the status of the dispute he was told that the bank would NOT help with filing the dispute and that my son would be responsible. The bank would not take any information from my son regarding the perpetrator. My sons small paychecks have always had a hold placed on them but somehow 3 fraudulent checks of {$5000.00} each were made available for immediate withdraw. This leads me to believe that this fraud was committed by someone working for the bank. This guy also showed my son 3 other peoples USAA accounts that he has done business with. I have attached the photo provided by the fraudster of the other USAA accounts.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: After having been charged for services for which I enrolled in with an online legal form provider, and the site not properly functioning, I disenrolled services but was still charged for membership fees for multiple months. After contacting the company, they issued an email and stated services were canceled and that a refund had been issued. I however have not received any refund. After several months of attempting to resolve the issue, I was forced to dispute the transactions with USAA and submitted to the XXXX the email received and the full contact information for the company of the dispute. USAA denied my dispute, while having been fully provided all requested documentation, and thus charged me over {$500.00} in NSF fees as a result of those transactions. This institution has become awful to contact, rude, and will do anything possible to cause more financial burden on their members. They have scammed me out of insurance premium paid, and they canceled the policy, while refusing to provide a refund of premium, dividends, and did not respond to my claims for storm damage and theft that occurred while the property was under coverage of the policy. They have also prevented me from obtaining further coverage, but accepted payment for policy for the year and canceling the insurance without notice. They should be ashamed. Since changing administration, they have taken advantage of military XXXX, veterans, and their families by all means available to them. It is my wish that this institution be required to provide full refunds to its members, and be forced to cease operation as they have continued to violate federally mandated procedures and having been access fines previously for the violations. I have attempted to resolve the matter through arbitration as stated to do so under the account holder terms and conditions, but the institution responded that I would be required to change venues to a court instead. Any attempt to do so has been responded with inconsistent information being provided by USAA and I will be forced to initiate a claim through Texas courts while being a resident of XXXX which will cause major financial burden. It is my belief that USAA is abusing this power to avoid accountability for their actions. Please HELP!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33905
Submitted Via: Web
Date Sent: 2022-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have been going back and forth with USAA about this credit card debt since XXXX of XXXX. I originally mailed them documents ( Validation of Debt ) requesting them to provide evidence/proof of the original lawful contract signed in wet ink by both parties, myself and USAA FEDERAL SAVINGS BANK XXXX Up until this point, they have never been able to do this. I have sent many other documents to include an Affidavit of Truth stating violations from USAA FEDERAL SAVINGS BANK, I had submitted a CFPB complaint back in XXXX of XXXX, mailed an Affidavit of Non-compliance, Affidavit of Service, Notice of Fault, and my most recent correspondence was mailing a Notice of Default and Consent to Judgment. All of these documents have been certified mailed and received by USAA FEDERAL SAVINGS BANK and stand unrebutted in law. To date, I have yet to receive any type of proof/evidence of the lawful contract that proves I am obligated to pay the debt associated with this account. In my previous CFPB complaint, USAA FEDERAL SAVINGS BANK stated that verification of debt was sent to you on XX/XX/XXXX. The letter referenced in this statement was simply a copy of an account statement and did not provide/include any sort of LAWFUL contract. USAA FEDERAL SAVINGS BANK also stated within their reply that we confirmed the PII provided on your account application matched your data in consumer and credit databases, account transactions occurred within your geographic location, and regular payments were made from your USAA FSB deposit account. This statement along with the rest of the reply from my original CFPB complaint never stated or confirmed that they were ever able to provide to me the original, lawful contract. A lawful contract consists of 5 things : A valid offer, adequate consideration, valid acceptance, sound mind/Mental clarity, and a Meeting of the Minds along with a wet ink signature. USAA FEDERAL SAVINGS BANK continues to not and has not been able to provide any sort of document, piece of paper, that is inclusive of the 5 parts I just previously listed. A lawful contract does not even exist between USAA FEDERAL SAVINGS BANK and I because they never provided adequate consideration, as they were unable to provide anything of value because they have no lawful money in their bank/on their ledger. There was also no Meeting of the Minds and wet ink signature as I never met with the CEO of USAA FEDERAL SAVINGS BANK and signed an actual piece of paper/contract. Since USAA FEDERAL SAVINGS BANK has been unable to provide the original lawful contract, they are NOT the holder in due course and is not owed anything. I continue to dispute this account as well and USAA FEDERAL SAVINGS BANK continues to report the account to the credit bureaus as delinquent
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37363
Submitted Via: Web
Date Sent: 2022-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-24
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Car belonged to ex wife. In amount XXXX. The car is a XXXX XXXX XXXX coupe. I called the company ( USAA ) to remove the loan but nothing was done.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23831
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: USAA has violated my rights in credit reporting. There is an old account from XXXX on my credit report that has inaccurate missed payment dates, inaccurate and missing ( many years ) of on time payments, inaccurate closed dates with each bureau. I have just found out that they are picking and choosing what to report to each bureau and leaving out many years of on time payments. This is a gross legal violation in credit reporting. This is grounds for removal. They also violated my rightS under 15 usc 1681s-2 / 15 usc 1681 section 602 A.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 39047
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/2022, I opened a credit card with USAA. After a hard hit on my credit report, I was approved for a {$24000.00} credit line. On XX/XX/2022, I received and activated my card. Then I proceeded to do a {$5000.00} balance transfer from another bank to my new USAA credit card. I was not able to do the transfer after multiple attempts. I then called USAA Credit Card Department. The representative tried to do the transfer for me and received the same message of " unsuccessful ''. It was suggested that too many attempts had been made. I needed to wait XXXX hours to attempt it again. On XX/XX/XXXX I attempted the transfer again. Once again it was unsuccessful. I then called USAA and they were not able to help me. I waited a few days and failed again. So, I reached out to another rep XXXX XXXX in XXXX XXXX, Texas and she was not able to figure the problem out. I was referred to their Executive Resolution Dept and they could not figure it out. They referred me to their Fraud Department as to which they couldn't figure it out as well. So, after XXXX failed attempts, I closed the card. On XX/XX/XXXX, I reapplied for another credit card and another hard hit against my credit. This time the line of credit dropped to {$4500.00} and not one representative could explain. I was then referred to their CEO Department Relations and spoke with XXXX XXXX. The representative indicated that the drop was probably due to the first hard hit against my credit report and that probably was the reason for the credit line drop on XX/XX/XXXX even though it is USAA 's hard hit. They are having internal issues with their computer system and not one person at USAA can tell my why their system would not do the transfer. So now, I am being penalized for their internal problem for a second hit on my credit report which all stems from USAA internal system. Not one person can help me. I have gone as far as I can for an explanation. I have my homeowners insurance and auto insurance with them. Now I am concerned about their ways to problem solve and will be removing my accounts with them. This just not make common sense and definitely not fair to their consumers
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I was a victim of identity theft and upon review of my credit report I discovered multiple fraudulent accounts, I reached out to the creditors with no response and now I am seeking you assistance in getting this matter resolved.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: USAA Federal Savings Bank at XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX has failed to issue proceeds from a deceased 's account in accordance with the final order of the XXXX XXXX. USAA retains these funds without explanation or corrective action. The funds of the deceased, XXXX XXXX ( account ending XXXX in the amount of {$25000.00} ) were to be distributed as 50 % to XXXX XXXX and 50 % to the Estate of XXXX XXXX per the Final Order of the XXXX XXXX. The certified court order was mailed to USAA XXXX XXXX on XX/XX/2021. USAA Bank issued a check in the amount of {$25000.00} on XX/XX/2021 payable to the Estate of XXXX XXXX and mailed this check to XXXX XXXX. XXXX XXXX could not do anything with this check because the XXXX XXXX did not authorize establishment of such an account per Summary Probate process in Florida. No Bank will set up such an account without XXXX XXXX authorizing such. The check as issued is not viable. The check was returned to USAA received there on XXXX XXXX. XXXX XXXX has explained this in numerous telephone calls and letters. USAA continues to hold the funds without explanation or correction. The last indication that USAA was doing anything was an email received XXXX XXXX XXXX XXXX USAA XXXX XXXX XXXX that she was researching the matter and she would be in touch. XXXX XXXX has not been in touch despite numerous telephone calls. The Judge for the Probate of the XXXX XXXX has held 2 Order to Show Cause Hearings wanting to know why funds have not been distributed to the XXXX XXXX as Court Ordered. The heirs are without funds ordered to be paid them and expenses are piling up as legal fees and court time are devoted to finding out why USAA has not complied with a court order. USAA has been advise that the Judge has set Orders To Show Cause Hearings.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33573
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A