Date Received: 2024-01-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My ex husband fraudulently used my social security to obtain a loan from USAA ENDING in XXXX act # XXXX I did not authorize this loan or co sign. I would like this matter removed from my credit report including all late payments, collection account from USAA and XXXX XXXX XXXX XXXX removed from my credit report. I was recently made aware when I recently pulled my credit and was Denied a loan.
Company Response:
State: CA
Zip: 92008
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Sometime in XXXX, on the advice of a USAA customer service rep, I analyzed my XXXX account for any fraudulent activity such as unauthorized debit transactions and withdrawals. Upon completing this, I discovered many unauthorized transactions and atm withdrawals that I am certain I did not initiate. I notified USAA and filed a dispute on the transactions that I discovered to be fraudulent. USAA investigated these disputes and issued me credits and/or refunds for the disputes found in my favor. However, I recently discovered something very troubling and disturbing regarding the funds in my account. After checking the budgeting tool on my checking account transactions page, I noticed that the total income versus spending is off by {$29000.00}. As of XX/XX/XXXX, my total income received since opening my account is {$220000.00}, and my total spending is {$190000.00}. To my understanding, income includes all monies that are credited to your account such as XXXX payments, employment income, interest, check deposits, refunds, and electronic transfers. On or about XX/XX/XXXX, I contacted USAA to file a dispute unrelated to this issue, I then inquired about this huge discrepancy and the agent informed me that it could be due to transactions that are still pending. I told him that's impossible considering the substantial difference that exists between spending and income. I have concluded that my money has gone missing somehow and, as a result, I would like for this matter to be investigated to the fullest extent of the law.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On Saturday, XX/XX/2024, I received a notification on my phone saying that XXXX had had charged my credit card and they were not authorized to do so. I immediately contacted USAA Federal Savings Bank to report it and to file a dispute. I spoke to several representatives who assured me that the dispute was going to be submitted to the proper dept. The Dispute sat idle without anyone 's review for 3 days until I call on XX/XX/XXXX to follow up on it. That very same day I was told that it was not assigned to a Dept as of yet. I was then placed on hold for 10 min without anyone else coming back on the line to inform me of what the outcome of my request was. I spent 3 hours on the phone with no progress. Again, I was told that it was submitted and it actually was not. After asking to speak with a Supervisor, I was placed on another 7 min hold to then be told that they had to transfer me again after which the call was disconnected and I has to call back again and repeat myself all over again. After speaking with a Representative in the Member Resolution Team, she pretty much sounded like I was bothering her and didn't care to here my complaints about why my dispute is still still in queue. At this time, my Checking Account is in a negative status because of the current Dispute. On Tuesday, XX/XX/2024 I called back again to find out the status of the dispute because I still didn't see a response on the status. I was yelled at by one of the USAA Representatives who was very unprofessional and she too disconnected the phone during our conversation and me trying to get info as to what was going on with my account. On Thursday, XX/XX/2024, I woke up to overdraft fees in my checking account due to the dispute which cause my account to be overdrawn and they refused to remove the overdraft fee although they didn't notify me that Overdraft Fees were now back again because at one point they took it away and said they will no longer be charging members overdraft fees. So I called USAA again at XXXX EST again and spent 1 hour on the phone to find out about some merchant refunds that was being deposited into my account but I was not able to get any more because the money was all being eaten up because of the Account being in a negative status. I asked if I can get my refunds back and the Rep was rude and said not until the Dispute is completed. I was also told that someone would call me back after filing and no one has returned my call as promised.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23669
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I disputed transactions from XXXX XXXX with USAA for my checking account. USAA has multiple times, provided temporary credits and then reversed without proper explanation. XXXX was allowed to then debit my account even after dispute and stop payment filed. USAA processed transactions out of sequence to include temp credit reversal which resulted in negative balance in my checking account. I attempted to get information on the reversal on XX/XX/XXXX prior to it occurring or even change the date and was told nothing could be done. This is set to happen again on XX/XX/XXXX with another reversal
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76502
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: USAA has long reported a credit card debt charge off against me. Ive never received proper documentation discussing options nor interest associated with charge off in accordance with FDCPA and truth in lending.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76502
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Problem with a company's investigation into an existing issue
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Text received from USAA about my name getting added to someones profile. A second alert received today to call to secure your account and personal information.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33712
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/XXXX I submitted information to all companies that were listed on my credit report. I never gave written or verbal consent for any company to report anything on my report except the date the account was open, pay status, and loan type. Per 15 USC 6801 it is policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public personal information.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On the XXXX of XXXX, we noticed a few charges under my name that we did not recognize. Two for XXXX XXXX XXXX XXXX ( one being {$38.00} and another at {$83.00} ) Another charge was for XXXX for {$160.00}. I received a replacement card within a couple of days. Today, XXXX, I noticed they started reversing the charges and found a document that stated that they determined there was no fraud. There were no details, but it did say that we could request the information they used to determine the outcome. I called USAA, and kept getting talked over til I gave up, and my wife tried to get a hold of someone else. They had no documents nor information to provide on why they determined that outcome. They told us they had no idea why it was closed and stated there was nothing they could do. The two XXXX charges were from an ATM at a XXXX, and I have never used an ATM there. I barely ever use an ATM. They even told us that we needed to go to the locations of these places and investigate ourselves and get footage of who did it. I'm not sure why they call what they do an investigation if they're delegating the job to us, and not doing what they're required to do. I'm not a police officer, and companies have no obligation to provide me with XXXX camera footage. Why am I suddenly playing detective?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85017
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Noticed my credit card interest rate changing over the years without any notification. Rates have consistently fluctuated over the years on a quarterly or so basis and without any notification ever. When asked how my interest rates have increased so much from my original terms Im met with thats what is has been. They only have statements online for the past two years and even there the rates are showing changes without any notification from the lender. My rates has increased almost 9 % since getting this card and I have never made a late or missed payment over the years. This is unfair and deceptive practices for service members and their families. The company prides itself on being military friendly but operate as though its business is targeting military.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: I was recently scammed while trying to sell items online. The buyer sent me several bad checks that were way too much than what I asked for and would ask me to send the extra money back, I didn't realize this was a scam. After talking to family and realizing it was a scam, I called USAA and reported it. They closed all my accounts and had an investigator look into it, the investigators called me back a day later and told me I was at fault and I would have to pay back the bank and they would be closing my accounts in 60 days. I opened a new account at a bank and USAA is not letting me transfer the money I have left from my savings account to my new account with a different bank.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A