Date Received: 2022-04-28
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XXXX XXXX a fraudulent wire transfer was made from my savings acct in the amount of {$9900.00}. I immediately contacted USAA Federal Savings Bank. I have since called USAA everyday to only be given the run around that a Fraud Specialist will call me and have yet to receive a phone call. In addition, I have not received any correspondence stating the actions that have been taken. Through verbal conversation I was told the review was completed on XX/XX/XXXX. It is XX/XX/XXXX and when I called USAA they have no additional information. One representative said I should receive a refund while another will say I may not receive a refund. I have not been given any clear answers or guidance. Everything I do know has been through phone conversations when I have called them. When asked to speak with a supervisor I am told there aren't any available. This is not acceptable customer service and has caused me unnecessary stress.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 983XX
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
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: USAA may be deliberately violating its recent Consent Agreement with the CFPB by not properly investigating DISPUTED credit card charges, refusing to show when consumers timely dispute credit card charges, and engaging in unfair collection of fees and adverse credit reporting intentionally violating federal consumer protection law. Relevant details are described herein :
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: ( USAA ) On XXXX XXXX I experienced wire fraud and {$10000.00} was stolen. While I have been waiting for my local police to conduct their investigation. Ive been doing my own investigation and constantly reaching out to USAA for the past XXXX days. And in my eyes nothing has been done. All I know is what I was told by the representatives, that they tried to do XXXX recalls shortly after the incident. I come to find out that the recalls were unsuccessful and was told that my case was being escalated. What does that mean in detail, no one has been able to give me any information on whats the next steps are. I was finally able to reach the CEO office after days of calling. The individual who I spoke to advised me that someone will be contacting me by phone to give me some type of resolution. But I have yet to receive a phone call from a manager or from upper management. Up to this point I have been getting the runaround and have no clue how Im going to get my money back. When I ask how long does their investigation usually take I was told by multiple representatives it can take up to three days. That must not be true because, my situation still has not been resolved and its been way beyond that timeframe. I have XXXX young children and bills to pay and I dont know how Im going to feed my kids at this point and how Im gon na pay my bills. Because USAA is taking their sweet time to help me get this resolved. I will be taking legal action against the company!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34769
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: USAA closed my bank account for being over drafted XXXX dollars on XX/XX/22 and on XX/XX/22 the state of Maryland deposited my refund check in the amount of XXXX. They sent me a check for {$860.00} and they will not give me the rest of the money. At first they said they would send it and that it would take XXXX business days but as of Monday they are now saying that they never got a check from the state of md even though I provided evidence and confirmed account and routing numbers. They owe me around XXXX and I need that money it caused me to be late on bills etc.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21113
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This was not sent in error XXXX XXXX XXXX consumer by law at ang information XXXX XXXX XXXX misused at XXXX I have some false at not 100 % accurate XXXX XXXX XXXX Unauthorized use of my credit report. Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34608
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2022 XXXX XX/XX/2022 XXXX All from XXXX XX/XX/2022 XXXX Cashier check All taken from my account without my knowing, USAA will not solve my problem and not refund my money. Please help. I can send bank statements if needed
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AR
Zip: 72762
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) is reporting a collection to my credit report that I am not liable and that I have no knowledge of from their company. XXXX shows open date as XX/XX/XXXX with a balance of - {$710.00}. Last reported- XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX shows open date as XX/XX/XXXX with a balance of - {$710.00}. Last reported- XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX shows open date as XX/XX/XXXX with a balance of {$710.00}. Last Reported- XX/XX/XXXX Date Last Active : XX/XX/XXXX USAA SVG BK is reporting inaccurate information on my credit report, and I would like them to remove these accounts from my credit report immediately. They refused to remove this account, and they also failed to provide validation of this account when I inquired for validation not verification of this account. XXXX : Date open date shows XX/XX/XXXX. Last Reported : XX/XX/XXXX Date of last active : XX/XX/XXXX Date of last payment : XXXX : Date open shows XX/XX/XXXX. Last Reported : XX/XX/XXXX Date of last active : XX/XX/XXXX Date of last payment : XX/XX/XXXX XXXX : Date open shows XX/XX/XXXX. Last Reported : XX/XX/XXXX Date of last active : XX/XX/XXXX Date of last payment : XX/XX/XXXX XXXX XXXX is reporting inaccurate information on my credit report, and I would like them to remove these accounts from my credit report immediately. XXXX : Date open shows XX/XX/XXXX. XXXX reported on : XX/XX/XXXX. Date last active : XX/XX/XXXX Date of last payment : XX/XX/XXXX XXXX XXXX Date open shows as XX/XX/XXXX. Last reported XXXX. Date last active shows XX/XX/XXXX. Date of last payment : XX/XX/XXXX. XXXX : Date open shows XX/XX/XXXX. XXXX reported on : XX/XX/XXXX. Last date active : XX/XX/XXXX. Date of last payment : XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38109
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On the evening of XXXX, XX/XX/2022, I ordered a {$1300.00} certified/official/cashier 's check from checking account at USAA. I paid {$8.00} for expedited shipping using their online official check ordering application on their website, and was informed the check would arrive in approx. two business days. The transaction did not generate a receipt. I was not informed by the online system of the check number, the approx. time of arrival or a tracking number. In fact, I was not even informed who was to ship my cashier 's check. When the check did not arrive by Tuesday, XX/XX/XXXX ( approx. 3 business days after order ), I called USAA to inquire into the status of the check. It took the USAA customer service representative nearly an hour to find any information in their system about the check. ( Note : I failed to write down the tracking number, and had to call back and ask it again. It took a second customer service rep. nearly an hour to find the tracking numer a second time. ) The customer service rep. was finally able to provide a XXXX shipping number. Using XXXX 's online portal, I was able to see, to my great dismay and surprise, that the check was supposedly delivered to my apartment on the morning of XX/XX/2022, when I would be at work. Unfortunately, there was no check or there package from XXXX when I returned home from work that day. I can only assume it was lost or stolen, and have reported it to XXXX as such. Per USAA 's records ( as reported by the third phone customer service representative I spoke to on the XX/XX/XXXX ), the check was to be sent with " signature required. '' Per XXXX 's own policies, any shipments with a declared value of over {$500.00} must be sent with signature required upon delivery. Despite all this, XXXX 's records show that USAA sent the check without restricting delivery to a signature. USAA 's policies and practices for handling the processing and shipment of official/cashier 's checks is reckless bordering on criminal ( at least, in a figurative sense ), and has resulted in my losing {$1300.00} that was previously in my checking account. I now have no way to pay the deposit for my new apartment. USAA agreed to refund the {$8.00} expedited mailing fee for the check, but otherwise has offered me no solution aside from informing me that the check can be stopped and refunded, but only after a 3 month waiting period. In the meantime, I am now facing homelessness due to USAA 's reckless practices. This all could have been avoided had USAA simply set up a system to inform the customer of the identity of the carrier company and the tracking number, once generated, once the customer orders a certified check online. This would have allowed me a fair opportunity to work from home the day of deliver so I could be there at the time of delivery. Alternatively, USAA could have simply followed XXXX 's own policies and required a signature, which also would have resulted in my check being lost or stolen. Again, per one of the three customer service reps. I spoke to on the evening of XX/XX/2022, the check was, per USAA 's own records, supposed to have been sent with signature required. Note : I have attached screenshots of the online cashier 's check ordering form.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AK
Zip: 995XX
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: from XX/XX/XXXX XXXX to XX/XX/XXXX I have been making payments to USAA at 15 % interest I did not know that military max interest reate was 6 % for all XXXX XXXX. I applied for a loan with usaa in XX/XX/XXXX they set it up in the amount of 15 % interest. I am XXXX XXXX I qualified for the 6 % interest rate at the time the loan was approved because of my XXXX XXXX status.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80910
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: XXXX from XX/XX/XXXX until XX/XX/XXXX The fraudster has my phone number, personal information and the information to the secondary bank account. Funds were transfers and then removed from my account to the secondary account USAA and XXXX I have a fraud investigation with USAA right now I don't want to attach any documents until I am contacted
Company Response: Company believes it acted appropriately as authorized by contract or law
State: HI
Zip: 96706
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A