Date Received: 2022-05-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I cashed checks totally {$6300.00}. When I realized the checks was fraud is when they was return. I called and inform USAA that it may have been fraud, that the checks was not good. I had that account for over 10 years. I didn't want it to seem like this was internally done. I paid the total of {$6300.00}. USAA informed me that my account would not be closed. They closed my accounts and did not say a word. I did not received a letter stating that the accounts, checking and savings was closed. I opened a new account with XXXX XXXX and this is when I am finding out that there is still an issue with USAA in this matter. It is reported that the balance is Unpaid and it was fraud. Both of which is not true. I would appreciate help in clearing this matter. XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28326
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: I am a XXXX Veteran and was told that I could get a great discount from USAA for XXXX XXXX. I Called USAA for XXXX XXXX 3 weeks ago they gave me a quote and said I can receive the insurance the only thing that was holding me back they said that I had a freeze on my credit report. I called all 3 bureaus and took the freeze off there are no freezes on my credit reports now. I also called XXXX XXXX they comfirmed this as well. I still have no auto insurance from them. They keep giving me the run around and will not give me insurance. I feel that I am being age discriminated against. There is no reason why I should not have auto insurance. I would like someone to reach out to them and find out why I do not have my insurance yet.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I tried to use the card 5 times, every one was declined and when I call they tell me that there is no reason for that to happen, the latest one was XX/XX/2022 at XXXX for XXXX. And the topper is they processed my payment twice and have over XXXX dollars of my money I can not get to. Also I was locked out of my account, and when I called they could not figure out why. They can't seem to figure out much of anything, all I get is we are doing everything that we can.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: USAA has filed a 1099C with the IRS an still attempting to collect an alleged debt after selling the debt to a third party debt collector. ( which is fraud ). USAA is in violation of 15 USC 1692a ( 2 ) and 18 USC 894. USAA knowingly furnishing fraudulent information is in violation of 15 USC 6821 ( a ) ( 2 ). 15 USC 6823 ( a ) says that whoever knowingly and intentionally violates section 6821 shall be fined under title 18 or imprsoned. USAA does not have my permission in writing or verbally to report information on to my federally protected consumer report. I have informed the CEO several times of their fraud.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 36303
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2022, I was under the impression that I was hired for a job as a remote XXXX XXXX XXXX for $ XXXX hr.For a company called XXXX XXXX XXXX XXXX I was told that they needed to sent me a check for the all equipment I would need to start the job ; they advised me they would need me to send payments to the vendors for so they can sit up and send the equipment. I deposited the check and they advised to send to XXXX XXXX. I sent two payments one for {$590.00} and one for {$400.00}. They also advised to send via XXXX XXXX XXXX XXXX blocked the payment as fraud. I called USAA to report the fraud incident hoping they would help resolve my case especially since I have been a member for over 20 years. When I called I was advised that XXXX transfers are not protected. I offered to send all documents. The rep at USAA advised that since it was a XXXX transfer no evidence is needed. I would like my account corrected and adjusted and the perpetrators be punished for fraud.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29209
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: ive banked with USAA for over 20 years Over that time, I have incurred probably over 300 overdraft fees totaling well into the tens of thousands of dollars Its absolutely ridiculous that these overdraft fees are charged to people who cant afford to keep money in their account and might go over your balance by a dollar or so Its a vicious cycle where the rich get richer and the poor get poor USAA should be absolutely ashamed of themselves along with other banks who are praying on lower income people I charging these fees only to make their pockets deeper
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92129
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
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: I received an item that I did not order and the retailer charged my credit card. I disputed the charge with my credit card company, following their process. I provided all available documentation in timely fashion when my credit card company asked for it. My credit card company initially put a hold on the charge, but after a few weeks they removed the hold and said I must pay the charge because I didn't provide the documentation they requested. Because I actually had submitted everything they asked for, I called them by phone to appeal this decision. The customer service rep said he would have the case re-opened. However, several weeks later I have received no follow up from the credit card company. I need them to remove this charge from my bill. I did not order the item.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: ID
Zip: 83646
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: XX/XX/XXXX my credit card had suspicious activity with USAA. I called USAA and reported the fraud charges. USAA never called up to take down the information and in XX/XX/XXXX I received a credit card statement showing a balance of {$6.00} being owed and they said if we didn't pay they would close the card. My wife called as the account is through her but it was my card. USAA said that they would fix it. This went on for months until XXXX when we got another statement saying we owed the same amount. Again my wife called and they had already closed the account that was paid in full, XXXX balance with a {$6000.00} credit limit and reported me as delinquent to the credit bureau. Again USAA said they would fix it. Fast forward to XX/XX/XXXX my wife spoke with USAA again as I had tried to apply for a small personal loan and was denied, the reason was USAA. The lady my wife spoke with helped her over a 2 hour period to ensure they would get this handled. What my wife found out was USAA never reported the original charges in XX/XX/XXXX as fraud. As it's been too long now they can't report them the usual way so they had to go through a special department within USAA to get it handled. My wife called again today, XX/XX/XXXX, and USAA pretty much said we can't help you. I would like them to fix the credit card and reinstate at the original {$6000.00} with the interest we had originally. Take off the delinquent charge and report as fraud like it should have been done originally. Then they need correct the credit issue so my credit is fixed! Everything was via phone call and all the notes are in our account under my wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , AZ XXXX .
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have been a member of USAA for more than 50 years and their customer service has become atrocious and extremely difficult to deal with. They advertised a Cashback Rewards Plus XXXX XXXX XXXX on their website ( usaa.comXXXX XXXXXXXX ) clearly stating that one would earn {$200.00} reward bonus after spending {$1000.00} in 6 months. I called and asked for the card and was told that the bonus was in effect. When I received the card it appeared that they just renewed and old card issue 6 years ago. To make sure there was no misunderstanding I called them and was told by XXXX on XX/XX/22 at XXXX XXXX at the XXXX XXXX call center that the card I had just received and had in my hand had the bonus with it and that I would receive the {$200.00} after spending {$1000.00}. I asked if she could email me that confirmation and she said she would put a note in the file and this call was recorded and anyone could check it to verify. I never got the bonus, spent over 80 minutes with customer service on 2 phone calls, filed 2 complaints ( XXXX and XXXX ), was told customer advocates were not available and I could not call them but they would call back in 2-3 days. They never called. They never looked up the recorded call. I am out {$200.00} and a lot of time. What more could I have done but to call them directly to verify I would get the {$200.00} which I did. Now they say it does not apply to the card I received. What is the point of a member advocacy team if they can not be reached and will not even talk to those they are supposed to be advocating for? I was put on hold so many times and eventually they even gave up trying to contact their advocacy team - saying I should just wait for them to call me. My answering machine works perfectly and clearly they never called.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 940XX
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I saw a notification from my XXXX account dated for XX/XX/2022 informing me that someone had opened an account using my name & SSN at the Bank of USAA. I didn't see the notification until today, XX/XX/2022 so I called XXXX and told them that it was not me, and they said they were going to close the account and let their security department know. USAA advised me to call all the bureaus and notify the authorities as well.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A