Date Received: 2022-03-23
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have checking and saving accounts with USAA and no other types of accounts. I received a message that required me to disclose both my annual schedule income and net worth in order to keep access to my account via the mobile app. Absent investment accounts, which I do not have this is a violation of my privacy as I believe this info is only used to market me other products.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60612
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: AN ACCOUNT IS BEING REPORTED ON MY CREDIT REPORT, I HAVE SENT MANY LETTERS ASKING HOW THIS ACCOUNT BELONGS TO MY AND IF ANY DOCUMENTATION COULD BE SENT TO VALIDATE THIS ACCOUNT. I HAVE NOT RECEIVED ANY INFORMATION. I HAVE SENT IN FTC REPORTS AND POLICE REPORTS AS PROVE AND IT AS GONE UNFOUNDED.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: AN ACCOUNT IS BEING REPORTED ON MY CREDIT REPORT, I HAVE SENT MANY LETTERS ASKING HOW THIS ACCOUNT BELONGS TO MY AND IF ANY DOCUMENTATION COULD BE SENT TO VALIDATE THIS ACCOUNT. I HAVE NOT RECEIVED ANY INFORMATION. I HAVE SENT IN FTC REPORTS AND POLICE REPORTS AS PROVE AND IT AS GONE UNFOUNDED.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On Saturday, XX/XX/XXXX at XXXX, I received an alert from XXXX that a hard inquiry was added to my credit report from USAA bank in Texas XXXX Additionally, an additional address was added to my personal information, which does not belong to me. I immediately set up a freeze to my credit and additional security alerts. On Monday, XX/XX/XXXX, at XXXX, I contacted the XXXX credit bureau to dispute this hit to my report. Additionally, I contacted USAA 's fraud department and reported that this was not me. I also filed a police report with XXXX XXXX, Virginia, where I reside. While I do not believe anything has been set up in my name so far, I believe that this was an identity theft or fraud attempt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23227
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-20
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: USAA closed my credit card account without proper notice on or around XX/XX/XXXX. This cancelled my access to XXXX credit card points. When I called to inquire, the woman on the phone said I had 90 days to use points after a credit card was closed. However after a credit card is closed, you lose all access to those points. When I mentioned this, she apologized and said she would let her superiors know. I asked to speak to someone above her and was placed on hold for XXXX minutes at which time I had to go back to work. No one has called me back or sent an email/mail. I still have not received a letter stating my credit card was closed. In addition, USAA continues to be the number one advertiser under the XXXX search " business credit card ''. I have attached documentation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On or around XXXX of last year me my wife my son took a trip to XXXX what happened was on the way back which we spent about a couple of days then we ended up leaving like around XX/XX/XXXX or so they told us that my wife could not fly she was a permanent resident newly permanent resident and we showed all the proper documents and made sure that we were able to fly with those documents make sure it was OK with our lawyer we get to the airport about three hours before departure and the lady at the counter told us that we can not fly at all so this prompted me to have to pay for a different flight on another airline two to be exact XXXX XXXX bus in XXXX in order to get my wife to XXXX. I contacted my bank USAA and try to get them to give me my money back for this issue and they denied my claim many times after showing them proof. I have reached a point that I have spoken to the highest person I can add USAA and they told me that they can not reopen my case and they can not do anything about it this led to me going into overdraft in possibly having my account closed as Ive been threatened that this will happen in the next couple of days in order to save my account Im going to pay the money but I feel as though I should have my money back into my account because my wife did not take her intended flight only me and my son and I showed this proof.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 608XX
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-18
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: USAA closed my account and told me funds would be sent within 30 days. I have since contacted them multiple times and they can provide me no information regarding when the funds will be sent to me. It has been nearly 60 days and they continue to provide no information regarding fund distribution. They continue to act like they dont know what is going on with no resolution.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60525
Submitted Via: Web
Date Sent: 2022-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: USAA SAVINGS BANK XXXX Closed Account number XXXX Account status Closed Date opened XX/XX/2014Account type Credit Card XXXX XXXX XXXX XXXX XXXX, TX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90278
Submitted Via: Web
Date Sent: 2022-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Towards the end of XXXX, I was exploring getting a home equity loan. My broker told me that upon checking there was a 90+ day late payment for a USAA Credit card. I have never used a USAA credit card. I called USAA to find out and after being on the phone for two hours learned the following. The account was opened in XXXX. We figured out that it was simultaneous with my ex and I getting USAA insurance through her father. I have not had that insurance in years. I have never used the USAA card. There is one charge on it since we XXXX for $ XXXXand that was in XXXX of XXXX when I did not possess a physical card. I was informed that the card was mailed to XXXX XXXX XXXX XXXX XXXX XXXX Ca. in XX/XX/XXXX. I haven't lived at that address since XX/XX/XXXX. The purchase in question was made on XX/XX/XXXX to a vendor I would never do business with. I have since called twice for two more hours worth of transferred calls and no answers. I cancelled the card on XX/XX/XXXX. On Saturday XX/XX/XXXX my ex wife received a NEW USAA card ( same number as the one I reported as fraud ) with my name on it at her address where I have NEVER lived. I called the company and they had no explanation
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92677
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Note, CFPB closed similar previously submitted complaint without informing me of why, when the website stated my complaint was pending additional information. When I called, I was told it was believed a 3rd party submitted the complaint although the complaint was submitted from my account. On XX/XX/2022, I sold my home and received a net payment of {$62000.00}, via wire. Since that day, I have carefully balanced spending to ensure I manage my money properly and to ensure my bank is a proper steward of my funds. On XX/XX/2022, I logged into my account to check transactions and I noticed the bank had some suspicious accounting. At the end of XX/XX/2022, I had {$10000.00}. The first transaction from XX/XX/2022 shows my balance had dropped to {$4000.00}. On XX/XX/2022, I called the bank and spoke to a representative who claimed to " not see what I see ''. I explained to the representative that there is no accounting on their part that could explain over {$6000.00} missing from my account. The representative then tried to explain that " pending transactions '' had been ledgered, but I explained to her that there was no transactions anywhere close to that amount that would justify such a drop. I also explained that my daily balance emails at no point indicated I had a {$4000.00} balance. I requested an executive review and was told someone could speak to me but I had to get into work. I called back and requested to speak to a senior management official and the representative again claimed to not see what I was referencing " on their end ''. It then appeared the representative was not able to comprehend my concern and began mixing up the transaction I was referencing with my current balance. The representative put me on hold to " escalate '' the call but after XXXX minutes simply came back on the line to tell me a manager would be in touch within one business day. I then attempted to contact the fraud department. I was told the the app " sometimes doesn't reflect what is shown online. This is nonsensical and opens consumers up to fraud and mismanagement due to failure to account for funds. I was told that the pending credit from a furniture retailer for {$6200.00} was NOT calculated as part of my daily balance because it hadn't been credited yet. However, what I can see on the banking app contradicts what they are saying at the bank. I've monitored my account very carefully to account for expenses and budgeting for my new home. I request CFPB review all the phone calls from XX/XX/2022 and obtain transaction history staring from XX/XX/2022 to present with a USAA representative. I believe the bank has stolen my money and I request an investigation into USAA 's management of my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A