Date Received: 2022-02-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX violations : not mine : see attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX XXXX family XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX, XXXX Address ID # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX TX, XXXX Address ID XXXX XXXX XXXX XXXX wrong names : XXXX XXXX XXXX XXXX ID # XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: In the following months USAA has denied and even shut off several of my cards. This has happened several times today. Having tried to resolve these issue USAA attempts to shut off my card again today with unreasonable reasons why. I want them fined for each occurrence and each card as they are unwilling to rectify this issue and not allowing me to make purchases. This is not the first time this has happened.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 960XX
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I was made aware in XXXX of XXXX when I attempted to open a regular credit card with USAA Savings Bank, that I had already had an open credit card with USAA Savings Bank with a {$15000.00} limit and a balance of {$11000.00}. I immediately let USAA Savings Bank know I did not open or authorize this account and that it was opened fraudulently. After further investigation, I discovered USAA Savings Bank used my SSN to open an account for my father and put me as joint responsible party. It was my understanding USAA was to take the credit card out of my name and report to credit bureaus. I gave my father and USAA a grace period to resolve this matter. This action was not taken by either USAA Savings Bank or XXXX XXXX XXXX XXXX. I found out the card was still open in my name taking my available credit away from me for my use and given to my father, I found out on XX/XX/XXXX when I attempted to refinance my home, and I was denied, I asked my refinance mortgage lender to pull a hard copy of my report so I can see what is on my report holding me back, and its the still opened credit line extended fraudulently to my father under my SSN in the amount of {$15000.00} that reflects on my debt to income ratio disqualifying me for refinance. I escalated this matter to USAA Member security and had a case opened, I requested communication from USAA Savings Bank Fraud department several times, on XX/XX/XXXX no response, on XX/XX/XXXX no response and on XX/XX/XXXX. I filed a police report against my father and USAA Savings Bank with the City of XXXX Police Department Incident number XXXX. USAA Member Security Employee XXXX XXXX XXXX recommended I file a complaint on this system. I spoke with an employee with CFPB on XX/XX/XXXX his name was XXXX he referred me to the Federal Trade Commission, he provided me with their phone number he recommended I file a report with them, but if I still wish to, I can file a report with CFPB which I am. My supporting documents will be from XXXX when I first discovered the fraud and a current hard credit report showing the open account with USAA Savings Bank account number XXXX XXXX XXXX XXXX still on my report as open, and consuming my available credit. USAA assures their customers that their identities are safe with them, we trust them, then USAA Fraudulently opens an account with out permission and use a SSN with out authorization to fund fraud, and is not working timely or affectively to resolve this matter with all 3 credit bureaus, I have given them opportunity to do so and was taken advantage of. Sincerely, XXXX XXXX XXXX XXXX. ( XXXX ) XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 18042
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX, I filed a dispute for the inaccuracy of this account and submitted it to XXXX, XXXX, XXXX, and the company itself, but no one has responded. On XX/XX/XXXX, I filed a Validation of Debt to XXXX but still no response coming from them and refused to remove the inaccuracy from my credit report. The account was last updated in the sum of {$3000.00} on XX/XX/XXXX, which is incorrect.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: USAA incompetence lending practice and lack of integrity has stonewalled me, my family and my future from progressing. I've been imprisoned in a financial nightmare since USAA recruited me for my mortgage refinancing in 2015. There is no consistency in Loan Numbers and VA Case numbers on recorded documents. A month after the closing USAA underwriters sent me an email, with an attachment, asking me to resign the Original Note due to an error on their part. First, Not one Official representative or XXXX XXXX ever showed up or contacted me to set a date or time to witness the signing. Second, the original closing took place in my home and not at a bank which I thought was odd. The closing agent refused to provide me with any signed copies of the paperwork. As you can see by the documents I have provided. Again there is an inconsistent reporting on this refinancing initiated by USAA. XXXX XXXX is just as confused as I am and they are unsure of how to help me. My question is this. Why is USAA reporting to XXXX XXXX that in one year, there was a Deed in lieu of Foreclosure and in another there was not. In addition to reporting to credit reporting agencies that I stop making payments on a loan and went into foreclosure. I strongly believe there was no legitimate loan at all and that USAA stole my property and the equity it held. The foreclosure on my credit report is untrue and inaccurate. USAA is going to say in their response that the foreclosure process was ruled on and upheld in XXXX, Colorado courts. However, there has to be a conflict of interest when XXXX XXXX XXXX XXXX now use the property as a secured asset which backs a multi XXXX dollar loan.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80020
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: USAA had an account appear on my credit bureau as zero/closed on a fraud account. Then they sent in removal of such account to the 3 bureaus. Now 2 days ago they reversed this and placed this account back on my reports. Legally this account will have to be removed in 2 months + 2 days from today even if they dont get this resolved. I have tried to call them and get this taken care of but they keep passing me from department to department. So, even if I dispute this and that takes 30 days by the time the dispute comes back we are down to 30 days left before it has to be removed under the law. They are not playing fair, they are ruining my financial picture over a fraud account they know is fraud and was removed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92262
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-13
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: Dispute started on XXXX XXXX, when a USAA employee refused to provide a copy of our auto insurance card to enable Dealership to expedite the issue of a loaner vehicle, since the recall repair will take longer than originally planned. The circumstances were explained to the individual named XXXX, and more than sufficient information was provided with more offered specific to my identity as the policyholder, i.e., full name, address, telephone number, year and make of vehicle in service and name of Dealership she can email a copy of the current insurance ID card. She refused and threatend to hang up while I try to continue to convince her of the situation. I asked to speak to a Manager she refused to connect me to one. The two employees at the counter were witnesses to my frustration with this XXXX with their unbelieving facial expressions and offered to speak to the employee. Sent a written complaint to USAA, with copies to top level management including the CEO. No response, no apology. Instead, they placed a BLOCK on our USAA issued credit cards and an attempt to use one XXXX was declined. I cut the cards into pieces and trashed them. We also canceled our home and auto insurance policies, at which time also discovered that our collision coverage for the XX/XX/XXXX XXXX was deleted without our knowledge, without notice and disguised with a small decrease in total premium that insurance companies were doing due to less traffic and the pandemic. I sent a detailed statement and a demand for a refund of two policy periods of overbilling and the unused prepaid portion of canceled auto policy. Also proposed that they use the credit and total refund owed to me and use that to pay the {$330.00} card balance and send me the remaining credit balance as a refund check. As of this writing USAA have not taken any steps to resolve this issue. USAA continue bill me for the {$330.00} XXXX account with interests. When the bottom line is USAA owes us a refund of {$120.00}. should a basically knowledgeable accountant can make a bookkeeping entry of debiting the insurance account and crediting the XXXX account and refunding or billing the difference as applicable. I also informed USAA to close all my accounts that have terminated our business relationship. They ignore this also, we continue to receive advertising and promotional offers on different subjects, such as retirement, financial management, use of credit cards. USAA marketing to the military and military community is not well organized and to me have a prevailing culture of incompetence in the organization with perceivable corruption at the very least in their insurance operations. These compounding issues have not been addressed by Management going on seven ( 7 ) months
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32807
Submitted Via: Web
Date Sent: 2022-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: adverse action was taken against me because mortgage person was just only concerned about a XXXX appraisal fee. .and wouldn't explain why would i have to pay for additional appraisals if i wanted to compare other lenders... i have been banking with usaa..and the loan is guaranteed or backed by the va..I then called usaa back and tried to ask questions and all her answers were like matter of fact. .like they didn't want my business... i have XXXX bank accounts. .and i made ridge at XXXX ... .everyone of the adverse actions and turn down is very discriminatory... and im sure its because I'm of XXXX... I've been banking with them for XXXX years never late on a payment with USAA..Very disappointed and hurt from by me asking questions they treated me as i didn't deserve the respect.. Im a XXXX XXXX veteran, and a XXXX veteran..and was treated horrible
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 294XX
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This credit card account with USAA SVG BK was canceled upon the credit grantor 's request due to the company no longer servicing secured credit cards. I initially placed a security deposit for this secured credit card when I opened this account. Upon notification that USAA would no longer be servicing secured credit cards, USAA failed to apply the initial security deposit to the account to settle any balance remaining. I paid the balance that has been reported to the credit reporting agencies in full on XX/XX/XXXX and yet as of XX/XX/XXXX it still shows as a charge off to certain credit reporting agencies. This is inaccurate information being reported to different credit reporting agencies and this has affected my creditworthiness due to the inaccuracies being reported. Date account opened : XXXX XXXX, XXXX Account number : XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33610
Submitted Via: Web
Date Sent: 2022-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: was contacted to purchase goods that I was selling on XXXX. XXXX contacted me via email that he was interested & then sent a text from XXXX. He then contacted me from the number listed below telling me that he was sending a check for {$3000.00} to purchase the goods I was selling & pay to ship. I informed him on XX/XX/XXXX when the check arrived & he asked me to deposit & wire the remainder of the money to the movers. I deposited into my Savings account & transferred what I charged for the goods, {$250.00}, & the rest needed to send the movers into my Checking account. I sent 3 wire transactions totaling {$2500.00} using XXXX ( XXXX to XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX for {$1000.00} ; XXXX to XXXX XXXX on XX/XX/XXXX for {$500.00} ). After the final wire on XX/XX/XXXX, I checked my Savings account & it was negative for {$3000.00}. I contacted XXXX & asked him about his bank, & he said there must be some mistake. I followed up with him after I left work that evening & his phone was disconnected. After contacting USAA informing them of the situation, they did an investigation & found no fraud. I sent them screenshots of the conversation, the individuals address, & who the wire transfers went to. I received notification from them on XX/XX/XXXX & now my accounts are locked & I have no way to pay my bills.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 79606
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A