Date Received: 2022-04-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I deposited my first payroll warrant ( treasury check ) from the state of California. I immediately called the bank because the places the funds, which are subject to immediate availability, on hold for 5 business days ( a total of 7 days later. ) I requested for them to release the hold and asked them to escalate my request on the basis of the type of check that it is. My account had a few NSF fees in the past because I've unemployed during much of the pandemic and just trying to survive off of first unemployment, then student grant money. I finally have a reliable job, though, and they were placing my funds on hold. I expressed concern that my vehicle payment would not be able to clear if they didn't release all my money. The representative advised me that in the case of a deposit hold, they generally do not assess NSF fees. Later, they did and we were able to have some removed. I did not end up requesting all of them, because I know they do not reverse said fees lightly. I deposited several other payroll checks from the state in smaller amounts : {$160.00} on XX/XX/XXXX, and {$390.00} on XX/XX/XXXX. Neither were placed on any hold, so I thought we were good. I was multitasking when I worked to immediately deposit my most recent payroll check at XXXX on XX/XX/XXXX when it was issued to me. ( I was at work, unfortunately my direct deposit hadn't taken yet and HR had issued me another paper warrant/check. ) I thought it said {$1800.00} available and {$300.00} on hold. That wasn't great, but wouldn't cause my vehicle payment to be rejected so I accepted the mobile deposit. ( There is not anywhere for me to manually deposit my paycheck nor deposit cash if I were to cash it within the state of XXXX/or a reasonable distance of where I live, that represents my bank. ) I deposited my pay warrant of {$2100.00}. They made {$300.00} available to me. Prior to said deposit, my account was positive and had been positive all month long ( with the exception of items affected by my check being on hold from XX/XX/XXXX, but they were immediately taken care of with money and it did not stay negative for any length of time in XXXX. ) My husband called ( since I was still at work ) to try to get the hold removed and was told, " The system would not allow them to remove the hold. '' ( The same reason they gave me last month, which I now find is not exactly true. Team leaders have some ability if the call is escalated to consider a hold removal on case-by-case basis. ) He escalated all the way to the department head, whereupon he was advised that he should " give me the money '' from his account to avoid NSF on my account and I could " pay him back. '' Unprofessional, in my opinion ( as a former XXXX myself of 8yrs. ) I initiated a conversation XX/XX/XXXX with XXXX XXXX via chat. Whereupon she shared with me that she was unable to release any holds and that chat representatives can not do this. I let her know I was okay with waiting for a supervisor, or that she or her cohort could call me and I would be happy to speak with them and provide an image of my payroll check for their review to confirm that, yes, this was a treasury check subject to IMMEDIATE funds availability. She shared with me a statement which essentially amounted to, " If you do not want to have holds on your account, put more money into your account. '' When I pointed out how condescending it was, XXXX XXXX immediate disconnected me from the conversation without further ado. As a result, I called. I spoke with a woman XX/XX/XXXX around XXXX and advised my check is a state treasury check, subject to immediate availability, and that they were unlawfully withholding my payroll check. I requested for it to be released immediately. After a lengthy hold, the representative advised me that her supervisor said they " could not see the check '' in their system and would not until 24hrs had elapsed and that " I should call back on Monday. '' I requested she notate my account that this was her directive. She claimed to do so and then verified that my car payment had not already attempted to clear. I thanked her for her time and here we are- my paycheck is still on hold and I am without necessary funds to pay my household needs. Worth noting, a day prior I had {$1300.00} in my account from the VA education stipend fund as I am the spouse of a XXXX XXXX XXXXXXXX veteran ( XXXX ). So, it's not like there wasn't money in my account the day before or even the day of. Unfortunately, I have horrible interest rates and awful credit due to extended unemployment, so my bills are exorbitant and took most of that money to cover them. It's an ugly cycle. Please help me fix this with my bank so I won't continue to have this issue AND other people won't either. They need to change their policy. By the way, I DID offer repeatedly to produce a check image for the supervisor to review but she said that " wasn't good enough, '' and they needed to be able to see it within their own system.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 96002
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Attached to this correspondence is a proof of identification. This proof should stand during any and all communication. ATTN : XXXX XXXX XXXX USAA SAVINGS BANK XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX AFFIDAVIT NOTICE ATTN : XXXX XXXX, XXXX USAA SAVINGS BANK REFERENCE LOAN # XXXX I, agent for principal XXXX XXXX and affiant, I am a federally protected consumer, holder in due course, attorney, for any and all derivatives thereof for the surname/given name and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, and autograph as the agent and administrator in fact. Notice it is a fact, affiant is aware, credit is the right granted by a creditor to defer payment of debt or to incur debt and defer its payment. In conjunction pursuant to 15 USC 1602 ( g ) creditor refers only to a person, meaning not the organization but only a natural person, who regularly extends consumer credit, in connection with loans, sales, property or services payable by agreement which a finance charge may or may not be required or the natural person whom the debt arising from the consumer credit transaction which may be payable on the face of the evidence of indebtedness such as a contract or by agreement. Notice it is a fact, pursuant to 15 U.S.Code 1692a ( 4 ) creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor. Notice, it is a fact, affiant has reason to believe and do so believes USAA SAVINGS BANK is a debt collector as a debt collector is any person who uses instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notice it is a fact, affiant is aware, after receiving notice about a billing error the creditor may not report any negative information until creditor has met requirements of the section 1666 and thereafter to make payment as is provided under the credit agreement for payment of undisputed amounts. Notice, it is a fact, affiant is aware pursuant may not engage in any contact that would harass, oppress or abuse any person while collecting any debt and it is and credit is a right granted to me as a creditor under truth in lending and USAA SAVINGS BANK has not right to oppress or abuse any part of my character which would restrict to prohibit my right to extend credit and is a violation of 15 U.S.Code 1692d such has furnish unverified information to my consumer report and contact me without consent. Notice it is a fact, affiant is aware, pursuant to 15 USC 1605, interest, deliver service fees, loan fees, premium insurance to cover any defaults, broker fees, insurance for the vehicle and insurance to cover health, life, accident, and gap insurance, are all included in finance charge. Notice it is a fact, affiant is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in TILA as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This is my social security card. This credit card was authorized by my social security card and therefore must be excluded from my consumer report. This reported information on USAA LOAN # XXXX is a violation of 15 U.S. Code 1681a ( 2 ) ( B ). Notice it is a fact, affiant is aware, pursuant to 15 USC 6801 ( b ) ( 3 ) financial institutions must ensure the security, confidentiality of consumer records. Financial institutions must protect against threats and maintain the integrity of records. Lastly financial institutions must prevent unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer such as I, the affiant, in fact. Notice, affiant is aware the debt collector, USAA SAVINGS BANK can not communicate with anyone other than the consumer, an attorney or CRA if permitted by law. However, the debt collector, USAA SAVINGS BANK has communicated with the all caps name principal obligor, XXXX XXXX and has always referred to my principal obligor and not myself the agent, natural person and consumer in fact. This is a violation of 1692c ( b ). Notice it is a fact, affiant is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in TILA as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This is my social security card. This credit card was authorized by my social security card and therefore must be excluded from my consumer report. This reported information on { ACCOUNT NAME AND NUMBER } is a violation of 15 U.S. Code 1681a ( 2 ) ( B ). Notice it is a fact, affiant is aware, the unlawful use of a credit card such as a social security card under 15 USC 1602 ( l ) by a organization or person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit is in fact, unauthorized use pursuant to 15 USC 1602 ( p ). My information was given to a third party entity XXXX XXXX and XXXX XXXX XXXX to collect on this alleged debt. Notice it is a fact, affiant is aware, the unlawful use of a credit card such as a social security card under 15 USC 1602 ( l ) by a organization or person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit is in fact, unauthorized use pursuant to 15 USC 1602 ( p ). My information was given to a third party entity to collect on an alleged debt. JURAT Whereas, I of age, of majority, give this herein notice to all, I make a solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, nunc pro tunc I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, accurate to the best of my ability and knowledge, so be it.
Company Response: Company believes complaint is the result of an isolated error
State: GA
Zip: 31088
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XXXX XXXX, I was contacted by someone who purported to be from USAA. The telephone number that popped up on my screen appeared to be from USAA. The caller identified himself as being from USAA and told her they suspected fraudulent activity on my account transferring funds through XXXX from my checking account. The caller then lead her through an ID verification procedure that seemed to be all the right questions USAA uses to verify a customer 's id. The caller indicated that in order to stop the fraudulent transfer another transfer needed to be authorized to " reset '' the account. The caller asked me to submit funds to myself for the same amount which was trying to be transferred fraudulently, using my cell phone number as XXXX uses to identify. The amount was {$1000.00}. Right after the call, I contacted my husband and my husband received the same call ; the caller asked me for my spouse 's number so they could notify him as well. My husband, who is a CID Agent with the XXXX XXXX, identified the caller as being fraudulent and I immediately called USAA to notify, identify and dispute the fraud. This was all on XXXX XXXX. USAA did not request I make any notification in writing. The next day, I received a similar call to " follow up on the resetting of my account ''. The number that came through was the number identified on USAA 's debit cards. I hung up and called USAA again to notify them that the caller had tried again and this time used the number identified on the debit cards. I gave a detailed explanation of the facts the first and second time, I called ( XXXX XXXX and XXXX XXXX ). USAA did not request any written notification. The representatives each told me I would receive a notification in 3-10 days. No notification was ever received during that time frame. Since then, I have made repeated calls to USAA and each time I have to retell the event. The response is always the same, " there are no notes in the file, it is still being investigated, I should receive a response by such and such date ''. During one of my attempts to find out what was happened, I did speak to a representative that indicated the matter was closed for accounts being flagged. I asked if this closed the fraud matter as well, and they stated " no ''. Last week ( Monday, XXXX XX/XX/2022 ), I talked to a consumer representative, who indicated that none of what I originally reported nor all of the facts were in the file for the reported event ( only minimal ). This representative also stated that each time I called, there were no notes other than " update ''. This representative took all the information, again, and indicated I should change passwords and such on the app. I was notified she would receive a call or a notification by Thursday, XXXX XX/XX/2022. It was also indicated I would receive a copy of the report, which I did not receive. The representative supplied her extension number and said I could call her if I received no notification. I did not receive anything by Thursday. I called the representative on Tuesday, XXXX XX/XX/2022 and left a message on the representative 's voicemail. I received no call back and called again on Wednesday, XXXX XX/XX/2022, and left another voicemail. Needless to say, no notification or contact has been received. I have not received any credit of my funds ( {$1000.00} ). I believe this incident falls under Regulation E of the Electronic Funds Transfer Act which covers transfers of funds that are coerced and not for any goods or services. I believe USAA is in violation of this act and regulation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31324
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/XXXX, a Debit card arrived at our home address for our new USAA checking account. Problem is, we did not open a checking account with USAA. I contacted the number on the card and explained that this was very suspicious since this account was not opened by us. The customer service person was very nice and said we need to speak to a specialist, but suggested we call back early in the morning since wait times could be up to 3 hours for a specialist. We call back about 7:00 am the next morning only to be told ( via recorded message ) that the wait time was 12 hours. The next morning we tried again and wait time was 9 hours. I reached out to USAA on their XXXX page and sent a message. Since XX/XX/XXXX, I have messaged them several times. Often the response is " someone will get back to you ''. As of today, XX/XX/XXXX, I have still not heard from them. This is very alarming to me being that they were recently fined for not safeguarding against fraud. Most checking accounts have to be opened using a Drivers License, so if a copy of our license was used, I have big problems. But without hearing from them, I have no idea what is going on. Please Help.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76179
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My bank account with USAA was hacked on XX/XX/22. The hackers called me on XX/XX/22 and spoofed USAA 's actual number. A month earlier, my credit card had unauthorized purchases on it. USAA called to verify these purchases, and they were indeed unauthorized. Hence, USAA canceled my credit card and sent me a new card. The credit card fraud case appeared genuine. In this case, the hackers acted like a USAA representative. They stated that my debit card had unauthorized purchases on it. I never use my debit card. After a 30-plus-year membership, I am familiar with USAA 's routine. The operator ( hacker ) sounded legit. I denied the debit card purchases the operator gave me, and then he said to continue, he would need my log-on pin. Requesting this pin is a standard procedure for USAA. Then he said he would put me on a brief hold to send me a verification text. This verification hold took longer than expected. I felt that something was wrong, so I hung up. Approximate 10 minutes later, I received a text indicating that a wire transfer was initiated from my account for thousands of dollars. My experience with wire transfers at USAA is that they need to be set up in advance. This process can take days to complete and involves small sums of money sent and received in advance between the two accounts. How was this hacker able to send a wire transfer without first set up for one? I called USAA to stop this wire transfer. By this time, I was unsure who I was talking with, the hacker or USAA. It turns out I was talking to USAA when I called back. Eventually, USAA was able to retrieve the wired funds. They did help me change my password information. Before this event, I changed my user and password information annually. My passwords are lengthy and complicated, and I also use two-factor authentication. The hackers had to have my user login and password, meaning USAA got hacked. USAA is not taking responsibility for the hack. I now know this has happened to many other USAA customers. USAA has stated that I should sign up for credit monitoring. I contend that USAA should pay for credit monitoring. Their institution is unsafe, and they do not own up to their responsibility.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37122
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I filed a dispute with USAA back in XX/XX/2021 for an issue when trying to have a vendor apply a credit for a purchase to a debit card. The debit card used for the purchase had been closed by USAA shortly after due to a notice of fraud attempt on the card. A new debit card was issued to me by USAA but the vendor had indicated they could only apply the credit to the card number used for the purchase. I recently received notice that USAA is refusing to apply the outstanding {$48.00} credit to my new debit card that was issued to me by vendor, XXXX back in XX/XX/2021. I have yet to receive a detailed, documented summary of the reason for the denial after requesting this in writing. Just to be very clear, the dispute is not with the vendor it is with USAA. The vendor attempted to issue me the credit correctly but had to issue it to my closed debit card. So, it was the responsibility of USAA to then appropriately transfer/apply the credit to my new debit card issued by USAA, due to attempted fraud on the closed card. The irony is that USAA apply the partial credit of XXXX to my account but said they had to further review the remaining amount of XXXX, which made no sense to me but I allowed them the ability to go through their review. I provided USAA very thorough documentation of the purchases, credits, etc. and can not fathom why they are declining to issue me the remaining credit. I am formally requesting a further review of my credit request by USAA - again the vendor issued the credit so it is up to USAA to properly transfer the credit to my new debit card via my checking account. Again, this dispute was not with the vendor but rather with USAA for failing to appropriately apply the remaining credit amount to my new debit card and hence existing checking account. I am attaching copies of the credits issued by the vendor company.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34109
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My name is XXXX XXXX, I'm a Senior XXXX and Senior XXXX at XXXX XXXX in XXXX, NM on XXXX XXXX XXXX XXXX. I'm the son of a XXXX veteran and the husband of a XXXX in the United States XXXX XXXX XXXX. I am also a XXXX customer of USAA Federal Savings Bank XXXX USAA Federal Savings Bank is currently being consumed by widespread fraudulent activity, hacks and scams that are financially impacting banking systems, members and now my family. The wide spread nature of these hacks and scams is clear to anyone that just scratches the surface. Social media is filled with users specifically documenting each of their own losses, USAAs webpage calls out how not to interact with a phone call from USAA because the hack has allowed fraudulent actors to impersonate USAAs phone number and have your confidential information, USAA customer service has changed their closing statement to include a warning about this wide spread hack, and the their entire customer service staff is overwhelmed with hold times commonly over XXXX hours to reach a live person. My family was recently the victim of this fraudulent activity. For our family fraudulent actors hacked XXXX of our USAA accounts, sent themselves checks ( fraudulently ) and then called my family from the USAA number to ask if these were fraudulent transactions. Through a sophisticated process designed to mimic USAA contacting a member to assess if activity was fraudulent the fraudulent actors were able to establish confidence that they were USAA by having details of the existing fraudulent transactions were, calling from the USAA phone number, having the USAA telephone hold music, and knowing confidential information about our accounts with USAA. This process resulted in our familys losses of ~ {$6000.00}. Once my family realized the situation, we immediately called USAA ( same day as the fraud ) and USAA failed to take any action to freeze the transaction, stop shipment of the checks or stop payment on the checks. Instead, they allowed {$6000.00} worth of fraudulent charges to process. To date USAA has failed to take any action to cover this fraud for my family and has said they will not reimburse it because it was our fault. USAAs message that plays when you call their customer service number specifically calls out that its members can rest assured that if their credit card or debit cards have fraudulent activity on them the member will not be responsible. This zero-liability statement to its members policy is in compliance with the EFTA ( XXXX XXXX ) and the recent XX/XX/2021 guidance from the CFPB that states situations where a bad actor has fraudulently obtained access to a customer 's account information by either calling the customer under false pretenses to obtain login or similar information, etc., these transactions are trigger EFTA coverage XXXX However, in my cause USAA has failed to follow CFPB guidance and is stating it has XXXX liability to the unauthorized transactions that were reported to USAA on the day of the activity. Specifically, USAA took no action to stop the transactions and the checks issued from my account or to reimburse the fraudulent transactions. These failure to properly investigate, the failure to honor our requests for stop payment on the checks issued, the fact that USAA wrongfully allowed more than the allowed checks to be issued fraudulently from the account, the fact they arent limiting our liability under XXXX XXXX, failed to warn us that checks were being requested and sent from our account, gave us false information that the checks hadnt been sent, when in fact they had and were subsequently cashed, are similar patterns of conduct for which USAA has been fined by XXXX, XXXX and CFPB, and USAA should be investigated for their continual pattern of negligent and criminal behavior. Based on USAAs failure to comply with CFPB guidance I am writing to you to ask that you consider my complaint and enforce USAAs obligations under federal law. This will require USAA to reimburse fraudulent activity to myself and the countless other members directly impacted by USAAs negligence.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NM
Zip: 871XX
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was charged in the middle of the night between XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. By XXXX XXXX utilities for XXXX transaction charges to my debit card for XXXX, XXXX, XXXX. I do not reside in Okaholma city, do not have family in oklahoma city. I woke up on XX/XX/XXXX to the transactions reported. I called USAA and was told I had to wait for the pending charges to clear, I returned my call on XX/XX/XXXX once the pending cleared and requested my credit card be replaced, and that fraud investigation was being done. I had explained to the agent that they will fraud check me at a gas pump XXXX miles from my home, but did not fraud alert or pop a system alarm for XXXX repeat transactions the same exact day in a whole other state. My charges on XX/XX/XXXX were deemed not fraudulent even though no investigation was completed. I Could provide proof I was working at XXXX XXXX XXXX at the time, I Could provide my Utility company state for XXXX XXXX, I could provide my other School job and childrens attendance that we were all present in TEXAS where we live at the time of the FRAUDULENT charges. They denied the charges and stated I was responsible for them, so you're telling me that as a banking individual that is to trust a bank with my money someone stealing my card number and paying clearly an electric bill in another state even though I have a XXXX charge in TEXAS the day of the OKLAHOMA charges. They requested no proof, they didnt communicate or reach out or ask for additional documentation the whole 90 days that I waited for approval. Instead they reversed it and denied it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 765XX
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: The statement for the period ending XX/XX/2022 shows purchases of {$120.00} and a payment of {$440.00}. That payment was made on XX/XX/XXXX. There is no credit shown for the payment of XX/XX/2022. Not disputed : There was in fact a payment transferred from our checking account and into this XXXX XXXX card in the amount of {$440.00} on XX/XX/2022. That makes it a payment from our checking, to one of our credit cards. Not disputed : The previous months balance was completely paid off. The consumer does not dispute this, and USAA does not dispute this. Therefore this statement is a standalone item in terms of addition and subtration. Disputed : The mathematics of this statement. A payment of {$440.00} and new purchases of only {$120.00} should be showing that statement with a credit. Instead, it claims that money is due from the cardholder. USAA has consistently refused to reconcile this credit card account. I have made 4 previous attempts to get this corrected. The 1st attempt was completely ignored ; there has never been any response. The 2nd attempt resulted in a letter from USAA. It said said that the payment ( referenced above ) was correctly made. But made no reference to any credit owing. There is not and was not a dispute about whether that payment came out of our checking account, and went into the credit card account. But the letter was completely unresponsive to the question that was asked. The 3rd attempt resulted in a letter with boilerplate text, but no USAA member number, no credit card account number, no dollar figures. In short, meaningless and completely unresponsive. It contained no information at all. The 4th attempt resulted in a phone call. When the conversation got to the point where the girl on the phone stated that the credit card statement referenced above was correct. She did not use actual numbers. No adding or subtracting, not even reading the total purchases or payments. I gave up. Now I am filing this complaint, because going direct to USAA has failed 4 times.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NM
Zip: 874XX
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : XXXX states a consumer reporting agency car furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under XXXX open end consumer credit plan as late for a purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 08844
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A