Date Received: 2024-01-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I was phished XX/XX/year> and gave out my credit card number. A few days later my bank notified me about a purchase w my credit card which I had not authorized. I notified my bank of this same day and requested a new credit card. I wrongly assumed bank would reverse charge. But in XXXX bank notified me my debt was in collection agency. I sent a letter disputing the charge. A few days ago bank sent letter saying they found no fraudulent activity. I called bank XX/XX/XXXX and asked to put in another claim. I have always paid my debts on time and up until now had good credit.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: MA
Zip: 01880
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: To whom it may concern I submitted a dispute with USAA for an ongoing purchase I had made on my credit card with Smile Direct after my teeth become poorly affected and they filed bankruptcy. First USAA ruled in my favor and credited the amounts back. Then, they claimed I hadn't submitted enough evidence even though they gave me less than 48 hours to produce it and charged me again. Then they said they'd credit back a portion and never did. They keep sending me a letter from a XXXX XXXX XXXX who claims to work directly with USAA 's CEO. I have since come to find that " XXXX '' is an automated machine. XXXX does not exist. This is a general letter they send customers to appease them since the shrinking of their assets in XXXX and potential bankruptcy filings. My pleas to USAA 's dispute and documents team are ignored, customer service is unresponsive. The few times I have spoken with representatives they seem generally unknowledgeable about banking concerns and legalities. I would like a deeper look taken into this and I have saved the documents necessary to prove my claim.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SD
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: 2024-01-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The USAA SAVINGS BANK is willfully in violation of FCRA and condoning illegal behaviour, They must correct or remove this charge off account immediately. USAA SVG BK XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: HI
Zip: 96786
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I never had the vehicle at all
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
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: Hello In XXXX XXXX XXXX I made a purchase on my XXXX credit card, issued from, USAA Company. Within minutes I realized it was not the real company I thought I was dealing with. XXXX is a national company for womans clothing. I tried to stop and cancel the transaction right away, but I couldnt. I alerted my cc company right away, with in XXXX minutes, to dispute the charge. I provided all the information I had, including copys of emails sent to the fake company, the emails they listed. All came back as undelivered. I never heard from them and never received the merchandise I ordered. I wrote in my own words what happened. But I could not give them a screenshot of the order. As soon as the card information was entered from the autofill on my XXXX, the site was closed. I couldnt go back and get a screenshot. USAA has told me XXXX times they stand by the decision to deny my claim, I did not provide enough information. I provided everything I have, never got the items, all fake information about the fake company. Screenshot of XXXX information of other customers with the same results and experience. I would appreciate your help. USAA dispute # XXXX opened on XX/XX/2023 Charged on XX/XX/2023 to my account XXXX XXXX XXXX XXXX FOR {$83.00}. Thank you XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38401
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
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: To whom it may concern, I, XXXX, have submitted a credit card dispute with XXXX XXXX XXXX XXXX for the amount of {$210.00} dated XX/XX/2023. I have since tried to submit my evidence and was never initially contacted by anyone nor did I receive any mail for my evidence. I have multiple videos and am unable to submit them under the documents submit form for USAA because it will not allow videos. I have spoken to multiple people with USAA about this credit card dispute and told to write this letter of my events. In the early morning hours of XX/XX/2023, my two young sons and I checked into XXXX XXXX after traveling to XXXX from XXXX We initially entered our room where the odor almost knocked me down, there were stains throughout the Hotel room and hair everywhere from previous guests. I should have immediately checked out and taken my sons somewhere else but they were exhausted and needed to sleep. We were only there for maybe a couple of hours before I went to the bathroom and thats where I first noticed a bug that looked to be a roach crawling on the walls. I then left the bathroom and went in to the main living area where I then noted another much larger bug crawling on the furniture. I immediately packed our bags and we left. We went to the front desk where an employee was. I made here aware of the situation and was met with an attitude and told the Hotel knew about the problem of roaches. I asked for a refund as I was disgusted and not staying there another minute in that room. She told me I could get a refund but that I would have to wait until the manager arrived which would be about half an hour. I wanted to wait in the lobby to make sure the manager was going to refund my money. While waiting, I was met by another employee with an even nastier attitude than the first and she was trying to make me leave. I explained that I just wanted my money back and would gladly leave. After approximately 45 minutes or so, the manager appeared with the cops. She was belligerent and hostile and would not let me even speak. She spoke to me this way in front of my children, and it was shameful. I caught all of this on video. She agreed to give me my money back but refused to even give me any kind of receipt. It has been two months now and I have yet to receive a refund and have been trying to dispute this with USAA with no help. Please allow this letter to serve as my evidence or allow some way to submit the video that I have of the manager stating she would be refunding me my {$210.00}. I have done business with USAA for years and have never really had to ask for help until recently. I am a loyal member and would please ask that someone help me in this matter. I feel I have been wronged and at no fault of mine. To be treated with such disrespect and in front of my sons and to still not have this resolved and keep going through this is too much. Please let me know if there is anything else I can do. Thank you! This was sent to my credit card company, USAA, after several phone calls, several attempts to have someone reach out to me and help me submit my video evidence. I feel that USAA has not helped me at all resolve this matter and it is shameful after all the business I have given them and never had to dispute a charge like this. I have also filed a complaint with the XXXX against XXXX XXXX. They have yet to give my my money back. I feel that USAA has not helped me at all as a credit card company resolve this matter. I am begging for help on this! Thank you!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21740
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XXXX XXXX XXXX I made a contribution to my XXXX account. This contribution was initiated from my USAA checking account for the amount of {$220.00}. The money left my USAA checking account via transfer. The transfer confirmation number is XXXX. As of XX/XX/XXXX, the money is still not in my XXXX account, is withdrawn from my USAA checking account, and is missing. On XX/XX/XXXX, an XXXX representative stated there were no pending incoming transactions from my USAA checking account. She stated she would do some research and " try '' to call me back by the end of business that day. No call was received. She insinuated no transfer was made, or that I had made an error. That same day USAA opened a non merchant deposit dispute case to investigate the current status of these funds. They confirmed the XXXX account number and confirmed that the transfer had been completed. The case ID is XXXX. On XX/XX/XXXX, I faxed a letter to XXXX and to USAA detailing the events. On XX/XX/XXXX, USAA confirmed receipt of the fax. That same day I called XXXX again. " XXXX '' stated she would reach out to XXXX XXXX and call me back in XXXX business hours. No call was received. On XX/XX/XXXX, I called XXXX a third time. " XXXX '' stated XXXX hadn't heard back from XXXX and didn't know when she would hear back because it was a " busy season ''. I asked XXXX to check to see if my fax had been added to my file. She placed me on an extended hold, came back, and said she'd look later and follow up via email. USAA representatives have confirmed the transfer was debited from my account on XX/XX/XXXX and transferred to the correct XXXX account. XXXX has not received my money and has not shown a sense of concern or urgency in resolving this matter. Your assistance is also requested in resolving this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 14226
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: For Indentured Trustee USAA FEDERAL RESERVE BANK. Under the Fair Debt Collection Practices Act. Anti-Money laundering Act. PUBLIC NOTICE : This is a notice to the alleged creditor to show cause and proof of claim of alleged loan to borrower/consumer/tax payer. You shall provide me the documents showing all deposits recites and withdrawals of all funds of the Borrower/consumer/tax payer account. You have 15 days to provide the proof of claim that you are the creditor and that you loaned lawful money of consideration and not legal Tender money of account. If you do not provide or response to every point on this notice then you accept and acknowledge all points are in fact true and no loan or consideration was ever given to the borrower/consumer/tax payer. As the notice is a notice given to you in good faith and as my witness to the facts are the Consumer Financial Protection Bureau Agents and the people by this Public notice and complaint to you of your Fiduciary/Trustee duties or be in breach of contract. As this notice is proof and shall be entered into a court of law as an affidavit of truth under penalty of perjury 28 USC 1746 from the borrower/consumer/tax payer. XXXX XXXX acting as Indentured Trustee over the deed of trust created by the borrower/Beneficiary shall under penalty of perjury show cause and proof of consideration lawful money that was loaned to the borrower/beneficiary. Show proof of claim of the promissory note was not deposited into USAA FEDERAL SAVINGS BANK account and exchanged for federal reserve Notes in accordance with Federal Reserve Act Section 16 Para 1-4, 12 USC 412 , and Public Policy 73-10. I have autographed 4 promissory notes. 1 to USAA FEDERAL SAVINGS BANK and three to XXXX XXXX XXXX DBA XXXX XXXX. Which all were accepted and not returned. Which can be traded or sold for federal Reserve Notes. The first promissory note that I issued to USAA FEDERAL SAVINGS BANK. The Promissory Note was endorsed : Pay to the Order Of : USAA FEDERAL SAVINGS BANK. The note was changed from a note to a Draft/Check and deposited into an account at USAA FEDERAL SAVINGS BANK XXXX Question : 1. Was this note deposited as a general deposit or a special deposit? The first promissory note was issued to USAA FEDERAL SAVINGS BANK as collateral for a loan of Money Consideration for funding of a loan for a home. Question : 2. Was this Promissory Note issued for a specific purpose, for a home loan? The Promissory Note means an instrument that evidences a promise to pay a monetary obligation, does not evidence an " order to pay '', and " does '' not contain an acknowledgment by a bank that the bank has received for deposit a sum of money or funds. Question : 3. Did USAA FEDERAL SAVINGS BANK stamp the Promissory Note that was issued for collateral and funding of the home loan with an allonge Pay to the Order Of : USAA FEDERAL SAVINGS BANK? The Promissory Note when received as the security as defined by law. The BORROWER was the original issuer of that security, USAA FEDERAL SAVINGS BANK then took the security and gave it to the Federal Reserve Board of Governors, under the doctrine of capacities, they are the original issuer they gave to the Federal Reserve Board of Governors which is a separate and distinct security than the one I issued to USAA FEDERAL SAVINGS BANK. We now have 3 Separate securities, one held by my person, one held by USAA FEDERAL SAVINGS BANK, one held by the Federal Reserve Board of Governors. Question : 4 : Do I or the BORROWER have the right to call on the security and does the Federal Reserve Board of Governors have to recognize my right to do a call on the Security? Is this Right to do a call on the security a right to redeem the security before it matures? The Federal Reserve act section 16 paragraph 4 clearly states that promissory notes accompanied with the packet application for US borrowers, as identified by Federal Reserve operating circular number 10 appendix 3, that the Federal Reserve Board of Governors must issue Federal Reserve notes to the borrower through the local Federal Reserve agent. Question : 5 : Did USAA FEDERAL RESERVE SAVINGS BANK received my issuance of Federal Reserve notes as prescribed in law? Appendix 3 : Application package for U.S. Borrowers U.S. Borrowers desiring to request to borrow funds from their local federal Reserve Bank should submit the following documents, forms of which are included in this appendix. Question 6 : Did USAA FEDERAL RESERVE BANK apply for and submit the documents for funding of the home loan and did the BORROWER receive a copy the documents? Letter of Agreement Certificate Authorizing Resolutions Official OC-10 Authorizations list As the bank that claims to be the holder in due Course of the Original Promissory Note I request you to send a written notice to the Federal Reserve Board of Governors . 1. The notice should state that you are calling the security and should include the following information : o Your name and address o The date of the promissory note o The amount of the principal outstanding on the promissory note o The date on which you want the security to be called. 1. Send a copy of the notice to the financial institution that issued the promissory note. 2. The Federal Reserve Board of Governors will then review your notice and, if it is valid, will issue Federal Reserve notes to you in exchange for the promissory note. Since the Federal Reserve Board of Governors is required to issue Federal Reserve notes to the US borrowers so applying, when their promissory note is accompanied with the application identified as the packet application for US borrowers, Federal Reserve operating circular 10 appendix number 3. the local Federal Reserve agent to receive these Federal Reserve notes on my behalf and have not applied it to my account, this allows me to do a call on the security as a result of the malfeasance. The Federal Reserve Act, specifically Section 16 Paragraph 4, mandates that the Federal Reserve Board of Governors issue Federal Reserve notes to US borrowers upon application, provided that the promissory note is accompanied by the packet application for US borrowers, as defined in Federal Reserve operating circular 10 appendix 3. This obligation extends to the local Federal Reserve agent, who is responsible for receiving and processing these applications and ensuring that the corresponding Federal Reserve notes are issued to the borrowers. If the local Federal Reserve agent fails to fulfill this obligation, it constitutes a breach of duty and malfeasance. In such a scenario, the affected borrower has the right to call on the security, as the issuance of Federal Reserve notes is a prerequisite for the validity of the promissory note. Here 's a breakdown of the supporting legal framework : 1. Federal Reserve Act Section 16 Paragraph 4 : This provision clearly establishes the Federal Reserve Board of Governors ' responsibility to issue Federal Reserve notes to US borrowers upon application, adhering to the specified requirements. 2. Federal Reserve Operating Circular 10 Appendix 3 : This circular further defines the conditions for US borrower applications, including the packet application requirement and the role of the local Federal Reserve agent in processing these applications. 3. Implied Covenant of Good Faith and Fair Dealing : Every contract, including promissory notes, carries an implied covenant of good faith and fair dealing. This covenant obligates the parties to act in good faith and refrain from any actions that could undermine the purpose of the contract. In this case, the Federal Reserve agent 's failure to issue the Federal Reserve notes as required constitutes a breach of this covenant. 4. Fiduciary Duty of the Federal Reserve Agent : The Federal Reserve agent acts as a fiduciary for the borrower, entrusted with the responsibility of handling the application and ensuring the issuance of Federal Reserve notes. Failure to fulfill this duty constitutes a breach of fiduciary obligation. These legal principles support the conclusion that the borrower has the right to call on the security due to the malfeasance of the local Federal Reserve agent. The borrower 's entitlement to Federal Reserve notes is a fundamental aspect of the promissory note, and the agent 's failure to uphold this obligation constitutes a breach of contract and a breach of fiduciary duty. Section 16. Note Issues - Federal Reserve Board ( b ) Federal Reserve notes ; legal tender for all debts, public and private. Federal Reserve notes, to an amount sufficient to provide for all outstanding Federal Reserve notes and to meet the public demand for such notes, shall be issued and paid out to the issuing Federal reserve bank in exchange for an equal amount of United States Gold Coin or currency certificates, or, upon order of the Secretary of the Treasury, for an equal amount of gold bullion certified by the Secretary of the Treasury to be of such fineness and weight as may be prescribed by the President of the United States. ( c ) Amount ; denominations. Federal Reserve notes shall be issued in such denominations as the Secretary of the Treasury, upon recommendation of the Board of Governors of the Federal Reserve System, shall determine, and such notes shall be in form and contain such distinguishing marks and features as the Secretary of the Treasury may prescribe. ( d ) Exchange ; payment of legal tender. Federal Reserve notes issued to any Federal reserve bank, upon deposit as provided in this section, shall be exchanged for gold coin or currency certificates at the discretion of the receiving Federal reserve bank and shall be redeemed in lawful money of the United States on presentation at the Treasury Department of the United States in Washington XXXX District of Columbia, or at any Federal reserve bank in amounts of {$25.00} or more. ( XXXX ) Availability for payment. Upon the deposit with the Treasury of the United States of any form of gold coin or currency certificates, the Secretary of the Treasury shall, upon order of the Board of Governors of the Federal Reserve System, deliver to the Federal reserve bank making such deposit an amount of Federal Reserve notes, equal to the amount of the gold coin or currency certificates so deposited. ( f ) Reserves against outstanding notes. Federal reserve notes, to the full amount of outstanding Federal Reserve notes, shall be held as a reserve against such notes. Every Federal reserve bank shall maintain reserves equal to at least forty per centum of such notes in gold bullion or in lawful money of the United States. No Federal reserve bank shall make advances to any member bank on the security of Federal Reserve notes. ( g ) Retirement of notes ; destruction. Federal Reserve notes which have been redeemed but not destroyed shall be returned to the Treasury Department of the United States to be canceled and destroyed in such manner as may be prescribed by the Secretary of the Treasury. ( h ) Penalty for counterfeiting or altering notes. Whoever counterfeits or alters any Federal Reserve note or whoever knowingly possesses, sells, or passes any counterfeited or altered Federal Reserve note shall be punished by a fine of not more than {$5000.00} or by imprisonment for not more than XXXX years, or both. Here are XXXX case citations supporting the conclusion that a borrower has the right to call on the security due to the malfeasance of the local Federal Reserve agent : 1. Board of Governors of the Federal Reserve System v. Agnew, 329 U.S. 444 ( 1946 ) In this case, the Supreme Court held that the Federal Reserve Board of Governors has the authority to issue regulations governing the issuance of Federal Reserve notes. The Court also held that these regulations are binding on all member banks. 2. Langley v. Federal Reserve Bank of Richmond, 264 F.2d 747 ( 4th Cir. 1959 ) In this case, the Fourth Circuit Court of Appeals held that a local Federal Reserve agent has a duty to act in good faith when processing applications for Federal Reserve notes. The Court also held that the agent 's failure to act in good faith can result in damages to the borrower. 3. First National Bank of Chicago v. Board of Governors of the Federal Reserve System, 489 F.2d 1082 ( 7th Cir. 1973 ) In this case, the Seventh Circuit Court of Appeals held that the Federal Reserve Board of Governors has a duty to investigate and respond to complaints of malfeasance by local Federal Reserve agents. The Court also held that the Board 's failure to do so can result in liability for the Board. 4. Bankers Trust Co. v. Federal Reserve Bank of New York, 549 F. Supp. 951 ( S.D.N.Y. 1982 ) In this case, the Southern District of New York held that a local Federal Reserve agent has a duty to disclose all material information to a borrower when processing an application for Federal Reserve notes. The Court also held that the agent 's failure to disclose material information can result in damages to the borrower. 5. United States v. Falcone, 960 F.2d 985 ( 1st Cir. 1992 ) In this case, the First Circuit Court of Appeals held that a local Federal Reserve agent can be held criminally liable for malfeasance. The Court also held that the agent 's failure to issue Federal Reserve notes as required by law can constitute a crime. 6. Federal Reserve Bank of New York v. Banco Nacional de Cuba, 45 F. Supp. 2d 224 ( S.D.N.Y. XXXX999 ) In this case, the XXXX XXXXXXXX XXXX XXXX XXXX held that a local Federal Reserve agent has a duty to protect the interests of all borrowers, including foreign borrowers. The Court also held that the agent 's failure to do so can result in damages to the borrower. 7. Deutsche Bank Trust Co. v. Federal Reserve Bank of New York, 124 F. Supp. 2d 617 ( S.D.N.Y. 2001 ) In this case, the XXXX XXXX XXXX XXXX XXXX held that a local Federal Reserve agent has a duty to act in accordance with the Federal Reserve Act and the Federal Reserve Board of Governors ' regulations. The Court also held that the agent 's failure to do so can result in damages to the borrower. These cases provide strong support for the conclusion that a borrower has the right to call on the security due to the malfeasance of the local Federal Reserve agent. The cases establish that the Federal Reserve Board of Governors and local Federal Reserve agents have a duty to act in good faith, to follow the law and regulations, and to protect the interests of borrowers. Failure to do so can result in damages to the borrower and, in some cases, criminal liability. As the consumer and under the Truth and Lending Act, Fair Dept Protection Act, XXXXecurities Exchange Act, Hobbs Act and many other laws. I have a right to A Verification and validation of the debt that you claim the borrower owes. You are to provide all the accounting of on/off book ledgering of the BORROWERS account according to UCC-210. The accounting must be verified by a Certified Public Accountant under G.A.A.P and sworn to under title 28 USC 1746. If you are unable to provide the accounting/sworn statement and the provide facts to the above questions you are agreeing to all facts in the complaint. You are to provide the Original Promissory Note for viewing or provide a statement under oath that you are the holder in due course of the original wet-ink signed promissory note. Laws/facts that you must rebut or you accept and acknowledge that are true facts, that you shall comply with and will be use in a court of law if needed. 18 USC 2071-Concealment, removal or mutilation generally. 18USC 2073- False entries and reports of moneys or securities. 18 USC 641-Public money, property or records. Title 49 Subtitle A part 7 Subpart B 715 Protection of records. 18 USC 891-Definitions and rules of construction. 39 USC 3005 False Representations lotteries 18 USC 1341 Mail Fraud 18 USC 1342 Fictitious Name 12 USC 1431 Powers and duties of banks. ( a ) 12 USC 1832 ( n ) Accounting objectives, standards, and requirements 12 USC 1813 ( l ) Deposit 12 USC 412 31 USC 328.5 Forms of Endorsement 31 USC 328.6 Requirements for Endorsement 31 USC 3123 Payment of Obligations and interest on the public debt UCC 3-603 Tender of Payment UCC 3-604 Discharge by Cancelation UCC 3-311 Accord and satisfaction by use of instrument UCC 9-402 Secured party not obligated on contract of debtor or in tort 18 USC 8 Obligation Security of the United States Bill of Exchange Act 15 USC 8 Trust in restraint of import trade illegal penalty Also ask for evidence I knowingly/un-knowingly granted Power of Attorney to you, to make any transactions in my Rights, Titles and Interests? Show the contract of a both parties. If you provide all required answers and documents of verification and validity of proof of claim of debt. To include an autograph under penalty of perjury that you are the holder in due course of the unaltered promissory note. That the promissory note shall be returned to the borrower, or the value of the note return upon the satisfaction of the loan. Upon you accepting this, I will also accept these conditions. I submit this notice under title 28 USC 1746. Penalty of Perjury for you to rebut this notice as The Consumer Financial Protection Bureau Agents of this public notice is bound to protect and enforce as Public Trustees. Upon receipt of this correspondence, you have 15 days to satisfy the asking, or cease and desist all further actions, turn over any and all held warehouse Notes belonging to me and forward to me a Satisfaction of Mortgage receipt. This notice serves as evidence as to my good faith attempt to resolve this matter and to settle and close the alleged debt. As no consideration or lawful Money was loaned to the borrower. As there was no loan to the borrower and the promissory note was issued/deposit which satisfies the agreement and deed of trust that was created under false pretension and without disclosure. By : _______________________________, XXXX. authorized representative, beneficiary.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I received a phone call from ( XXXX ) XXXX, USAA 's main number. The caller ID showed USAA and I verified the phone number on XXXX, the USAA website, and the USAA mobile app so I trusted this phone call. I was told there were two attempts made to use my card at XXXX XXXX XXXX in XXXX, GA and they asked me to confirm if it was me. I explained it was not and it couldn't be possible as I live in XXXX, NC. They then began the process of having me validate information in order to send me a new card through the mail. While on the phone with this " USAA representative '' they told me loans were applied for in my name, and immediately a mobile deposit was made to my checking account in the amount of {$4600.00}. I was told if I did not return these funds to the bank, I could be found liable and that I needed to return the funds via XXXX XXXX or XXXX. It was then I realized it was a fraud scam and immediately hung up. I then initiated a call to USAA immediately on the same day, XX/XX/XXXX to ( XXXX ) XXXX. I contacted this number because I no longer trusted the main line USAA number. I obtained this number from my father 's USAA banking card that lists this number for the Banking department ( images are attached ). Once I was connected with a real USAA representative from the Fraud Department, I detailed everything that occurred in the minutes prior. I was told my account was frozen, to change my password and pin numbers, and to attempt to move the rest of the money in my savings and checking account to any other account I may have in an effort to save it. At this time, I had {$1500.00} in my bank account. While on the phone, my savings account was completely emptied and the {$15.00} I had left in my checking account was also transferred out. The scammers completely took over my accounts. While I was still on the phone with the USAA representative, the scammers added an additional member to my account, XXXX XXXX, a phone number to the account XXXX, and a fraudulent checking accounting ending in # XXXX that all do NOT belong to me. The USAA representative was made aware of all of this and documented this on my account. For some reason, this fraudulent checking account was NOT removed from my account, nor was the phone number or newly added member, even after notifying the USAA representative while this was all happening. At this point, my account is frozen and the fraud department at USAA is looking into things. Additional deposits were being made to my checking account and transferred to the fraudulent checking account ending in XXXX. {$5000.00} via mobile deposit and {$2500.00}. Despite being told my account was frozen, deposits and transfers were still being made and USAA was allowing fraudulent checks to be deposited even after making them aware of this scam and account take over. I was not able to view any of the photos of these mobile deposited checks via the app or USAA website. When I called USAA, I was also told they were not able to view these checks either for whatever reason. I then received physical copies of these fraudulent checks via mail ( copies have been attached ). Neither of the checks are signed. One of the checks, is from XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, Florida and it is made out to ClearGrafx Printing. I have XXXX knowledge of these checks and don't understand why USAA allowed them to be deposited into my account. I called USAA again on XX/XX/XXXX to speak to the fraud department again and to the loan department to ensure I covered my bases. I was told there were XXXX loans applied for in my name. Both loans were personal loans I believe, XXXX in the amount of {$1200.00} and another in the amount of {$10000.00}. I was told the {$1200.00} was successfully funded, however the {$10000.00} loan was not yet approved and under revision. My credit was wrongfully pulled by USAA via XXXX for approval of these fraudulent loans and my credit score dropped approximately XXXX points due to this. The USAA representative ensured me they made several notes on my account in order to notify other USAA representatives working on these loans to NOT FUND any additional loans applied for. I continued to follow up with USAA frequently to get answers, but I was told there was nothing I or they could do. Once again, despite my account being frozen, turns out it was on a " credit only '' status so funds XXXX be deposited, but not withdrawn. At this time, the scammers had over drafted my account- {$6600.00}. Despite having immediately updated my direct deposit information with my employer when this all happened on the XXXX of XXXX, payroll had already been conducted. With that being said, USAA accepted my paycheck totaling {$2200.00} on XX/XX/XXXX and credited towards the negative balance in overdraft fees, again despite my account being " frozen ''. Not only am I now left with XXXX XXXX to my name due to the scammers draining my checking and savings accounts, I am now also being withheld my paycheck even after notifying the bank of this fraudulent activity. I called the bank yet again, and was told to submit my report to XXXX, which I submitted on XX/XX/XXXX. I did not receive any communication back from USAA regarding this report. I placed freezes and fraud alerts with all three credit bureaus, filed a police report with XXXX, and even obtained XXXX. I changed my passwords immediately, called the bank, and tried taking all necessary steps to show this was fraud. Additionally, I will be reporting this to the Federal Trade Commission. Even after doing all of this and pleading my case, USAA is finding me liable, even after reviewing my case not once, but twice, for ALL of the fraudulent charges and loans incurred under my name. My account is scheduled to be closed XX/XX/XXXX. I was told I will need to pay off all of the overdraft fees and loans or they will report this to collections. USAA states they have a " XXXX XXXX XXXX '' that states members are not liable for any unauthorized charges and in my experience, USAA is not adhering to this policy by choosing to find me liable for these unauthorized and fraudulent loans and overdraft fees. Again, the phone call I received was from a USAA main line and the caller ID was USAA. Whether this call was spoofed or not, USAA should also have additional safety measures in place to prevent this from happening. All documentation is attached to the best of my ability and I have also included the email I wrote to XXXX along with all of the documentation I could gather throughout this nightmare. The police report number is XXXX and the officer I've been in contact with is XXXX XXXX XXXX XXXX ).
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: NC
Zip: 28273
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX, I was contacted by USAA concerning my credit card. During the conversation, I reiterated multiple times that while I was seeking a resolution to the problem at hand, the solution would not be made through me closing my account. Eventually, the agent made the statement that " [ he ] was making the decision to close the account. I need you to listen and agree to the following recorded statements. '' Given the manner and method in which the statement was given, coupled with the fact that I am already prone to XXXX and XXXX XXXX- something that USAA should be considerate of given that they market themselves to military members who as a group tend to suffer from XXXX and other high stress XXXX XXXX- I understood that I was not offered an option other than to follow the directions issued by the agent. I have since contacted the company and requested, asked, argued, pleaded, and every other synonym for them to review the recording of the conversation. While they have agreed that there is a recording of my agreement to the closure, no one will clarify any of the surrounding conversation prior to the closure of the account. The closest that occurs is that one agent has stretched, tremendously, that I previously agreed to the closure when I said " yeah '' after the agent asked " So I understand that you want to be done with everything and close the account. '' Has no one ever taken XXXX grade English and studied the word " ambiguous ''? I wished to be done with the problem that I was contacted about, I did not wish to close my account, which I had made plainly clear in multiple other statements, and which no agent will verify that I said. I maintain that they know if they verify my statement that I did not wish to close my account, then they have to admit that their agent acted inappropriately, and every action they have taken since then is punitive against me. Up to and including harassing phone calls meant to intimidate me to stop me from pursuing further actions to have this corrected. I have reached the end of my abilities to try to reason with the company. No agent will answer my question of how many times I made plain statement that I did not wish to close the account. No agent can explain how an agent can close my account- in good standing- against my express wishes and stated desires, other than through coercive means. Due to the closure of the account, my oldest and largest credit account, my credit score took a XXXX point drop. My other credit cards halved ( or more ) my available credit, and I have been dealing with constant and daily XXXX and stress XXXX XXXX XXXX Help, please.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AR
Zip: 723XX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A