Date Received: 2024-01-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing to formally dispute and express my concern regarding an inaccurate credit report filed by USAA, which has had a detrimental impact on my XXXX XXXX. My purpose in reaching out to you is to request assistance in rectifying this situation and ensuring that my consumer rights are upheld. I recently obtained a copy of my credit report and was dismayed to discover that USAA had reported a XXXX late payment on my account for the month of XXXX. I wish to assert that this information is entirely inaccurate and does not reflect my payment history with USAA. In XXXX, I made my regular monthly payment of {$330.00} to USAA on the XXXX, which was well within the due date. Additionally, I mistakenly made an extra payment of {$330.00} on the XXXX of XXXX. This accidental payment was not intended as I had already paid my monthly obligation. Therefore, not only was I not 30 days late, but I actually made an extra payment that month. I believe that USAA 's reporting of a XXXX late payment on my account is in violation of the Fair Credit Reporting Act ( FCRA ), which stipulates that credit reporting agencies and creditors must provide accurate and verifiable information to consumers ' credit reports. In this case, the information provided by USAA is demonstrably false and does not accurately represent my credit history. Furthermore, I wish to emphasize that under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and have it corrected promptly. I have attempted to resolve this issue with USAA directly by disputing the inaccurate information with them, but they have not taken appropriate action to correct their error. I kindly request that you intervene on my behalf and investigate this matter thoroughly. I believe that USAA should be held accountable for their inaccurate reporting, and the XXXX late payment entry should be removed from my credit report immediately to restore the accuracy of my credit history. Please find attached copies of relevant documents, including proof of my XXXX payments to USAA, to support my dispute. I appreciate your prompt attention to this matter and look forward to a swift resolution that upholds my consumer rights and restores the accuracy of my credit report. Thank you for your assistance in this matter. Please do not hesitate to contact me if you require any further information or clarification
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60629
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 the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I called in on XX/XX/XXXX to pay the past due balance on my truck loan {$3000.00} that was in collections. I had funds on hold so the representative set up a pre auth for me. She set it up to my RV loan and not the truck loan. I then called back on XX/XX/XXXX to let them know the payment was applied to the wrong long. They had to put in a dispute for me that takes up to XXXX business days to move it from my RV loan to the truck loan. On XX/XX/XXXX I called back cause the funds were moved from my RV loan to my credit card. They told me they would have to put in another dispute to have this moved from my credit card to my truck loan. That was supposed to be done on XX/XX/XXXX. I have called in multiple times as of today XX/XX/XXXX nothing has been done to have this fixed an applied to my vehicle loan. This is effecting my credit as well.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: TX
Zip: 781XX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On XXXX XXXX a person called me, pretending to be USAA spoof from a phone number that looked identical to my bank. He told me he was from the fraud department collected. My had already collected all of my information on my account login to commit a scam telling me he was from my bank fraud department while we were on the phone. He transferred money around and threw XXXXXXXX XXXX to an account he had established. I told USAA immediately to stop the payments on this when I figured out that it was a scammer, and they clarified they had not called me, however they would not stop the payment and now they will not refund me for fraud or do anything about the scam that happened to me
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 809XX
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: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX I cancelled a scheduled transaction from my USAA savings account in the amount of {$3900.00} for a mortgage payment that was due on XX/XX/XXXX. I received confirmation in my USAA portal that the transaction was cancelled. However, on XX/XX/XXXX I saw that the transaction was not cancelled and the payment was actually processed! In addition when I cancelled the scheduled transaction I went and made a payment to my mortgage company in person on XX/XX/XXXX with a check from my savings account. Because the payment was already processed it resulted in a double payment but there was not enough money in the account to cover it. Therefore it resulted in my check being returned for insufficient funds and I will be responsible for overdraft fees!! USAA is the most incompetent financial institution I have ever dealt with and they take no accountable for their actions.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 863XX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Hello, this is in adittion to a complaint I made before under # XXXX for the same reason. I just contact the bank to check on another charge on the account for {$35.00} that wasnt supossed to came through as i requested an stop payment on XX/XX/XXXX and again on XX/XX/XXXX, beside the stops that i requested since XX/XX/XXXX. The dispute that i asked to be cancelled still open as of today. The result of this is that now I have to pay {$35.00} on money that I havent spend and have to wait 5 more days for the transaction to be posted. I told the representative that I will not pay any more charges cause I already payed XXXX on money that wasnt mine. The representaive told me that the account will be charge off and may affect my credit if I decided not to pay the amount of $ XXXX told the representative that practices are completly illegal, but he just agreed with me and told me that his hands are tied. This bank has been abusive with me and have taking advantage of the passing of my mother, that Im a XXXX person who defend himself with the little english that I know, that I will do everything to protect my credit score, so they just keep making promises that they cant fulfill.I feel trap in this endless loop that I have to keep paying money for things that wasnt mine.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PR
Zip: 00778
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX, I was notified by my bank ( USAA ) messaging, and also by email, that a person, who is of no relation to me, was able to add himself/ his information to my bank account. The notification read " you were recently added to the personal profile of XXXX XXXX. If you have questions, please call ( us ) '' When I accessed my account, however, I found that this person was listed as a child of mine, listed along with my actual son, and my wife. There was no " confirm '' option, nor was I ever given an opportunity to confirm this change to my account. I called USAA today and explained the situation, they did some work behind the scene and the name was removed from my account, however they were not able to provide an explanation as to how this persons information made its " way onto my account in the first place, given that I did not authorize it. The persons name is no longer on my account, and the rep with whom I spoke indicated that she was surprised that it was removed so fast and surmised that " the system must have corrected itself '' ... I shared my concern with a coincidence of this convenience, given that I called in and then, suddenly, the name is removed from my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/2024 I deposited a check for {$12000.00} into my checking account in order to pay off a car loan we had with USAA. XX/XX/2024 I checked my account to ensure check had posted and confirmed I had {$18000.00} in my checking account ( {$12000.00} from check deposit and {$6300.00} of my own money ). I used {$12000.00} to pay off an auto loan from USAA that I owed on thereby paying off loan in full. XX/XX/2024 I checked my account only to discover that I was over drawn by {$6200.00}. I called USAA and they stated the check I deposited to pay of the loan despite the fact that it had posted to my account had actually bounced and instead of contacting me they withdrew all my money in my checking account leaving with a negative balance of - {$6200.00}. I never authorized USAA to withdraw money from my account and would never have paid off a loan with money I didnt have. Spoke with USAA representatives multiple times over the next week and could never get an explanation as to why they withdrew money without my authorization. This is still not resolved and I still carry a negative balance. USAA has been absolutely terrible to deal with and provides no support at all.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 863XX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Subject : Unjust Reappearance of Disputed Account on Credit Report : Violation of Consumer Rights I hope this message finds you well. I am writing to bring to your attention a persisting issue regarding an account that has been previously disputed and rightfully removed from my credit report. Despite following the due process and having this account removed, it continues to resurface on my credit report, which I believe is a direct violation of my consumer rights. Upon discovering this account, I immediately took the necessary steps to dispute its accuracy and relevance to my credit history. Through the proper channels and documentation provided, the account was rightfully removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. However, to my dismay, this account has reappeared, causing undue stress and concern regarding my creditworthiness and financial standing. This recurrent reappearance not only undermines the established dispute resolution but also disrupts the integrity of my credit profile. I am writing to request a thorough investigation into this matter and seek your assistance in rectifying this recurring issue. It is crucial to uphold the principles outlined in the FCRA that safeguard consumer rights, ensuring accuracy and fairness in credit reporting. Thank you for your time and anticipated assistance in addressing this issue. I look forward to a prompt resolution.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85297
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: At XXXX XXXX on XX/XX/2024 someone used my information to open a USAA account and open a checking and savings account. I did not open any of this, and someone is using my email to make this account. Please help.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23060
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: USAA disabled my account access on or before XXXX. I called the company approximately 5 times to restore access. The first time, they told me to upload an identity document to the website to restore acces, which I did. The website malfunctioned and told me there was an error despite the identity document being exactly what was requested. The representative told me to mail a letter to USAA requesting access, which I did. In the next conversation, USAA reset my password and told me I had access to my account. When I tried to access my account on the phone and failed -- I received an error message saying I did not have a valid email address or phone number in the system -- the customer service representative told me to wait a while and try again. I did, and it failed every time. When I called back, the representative told me I did, in fact, have a valid phone number in the system. The phone was then disconnected ; I believe he hung up on me. In the next conversation, the representative told me that my account had, in fact, been disabled due to possible fraudulent activity and that USAA had not yet begun an investigation. I was told they would complete the investigation in 24 hours and contact me with the results of the investigation. I did not receive notification of the results. When I called back, I was told the office that deals with these issues is closed and to call back yet again.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A