Date Received: 2022-02-05
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: In XXXX of 2015 I secured a mortgage through USAA in the amount of XXXX. I never missed a payment and this account is not being reported by XXXX. They refuse the properly report my credit worthiness. This is the 3rd account that has never been late and was in perfect standing they refuse to report. XXXX has reported it but I pay for the XXXX service. I dont pay XXXX XXXX thats why they dont report my credit properly. They need to report my previous mortgage immediately
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32962
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Someone got into my bank account and changed my address. They made transfers from my sons linked account for {$5000.00}. They expedited a new ATM card to the new address. My savings was transferred to my checking they made XXXX withdraws for {$11000.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: Hello, Ive received another harassment call from a collection company not willing to id themselves however its pretty clear that they are referring to this debt. I have already filed with Colorado small claims and look forward to seeing you in discovery where I will give you a copy of both phone recordings and go over how I feel USAA is using its power to transfer a debt unlimited times to keep harassing me. Im new to this so I guess I get to give you the summons myself. Would you like to receive it via email or I do I have to fly down to you hand this? Looking forward to meeting you XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80521
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: USAA XXXX XXXX XXXX, has used my name and written insurance claim checks in my name but with the incorrect birthday ( the year is not correct ) on three different claim policies. XXXX {$10000.00} XXXX {$3700.00} XXXX {$6000.00} The information was used at an address I do not dwell in and is hindering me from getting homeowners insurance for my home i just purchased XX/XX/2022. When I called for assistance in getting this information corrected the company could not help because I did not know the security questions that the individual has used. I want XXXX XXXX XXXX XXXX to be notified too because they are the Mortgagee company
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 362XX
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: There is something strange on how USAA does their banking for their customersthey show every transaction that clears your account but they do not show you the details on anything they return as nsf. Example : My direct deposit hits my account Bi weekly on Thursday funds are available on Thursday. I paid my mortgage payment on the first of XXXX. Per my mortgage company they submitted the payment to their bank on the XXXX of XXXX and their bank transmitted the payment to USAA on Thursdays to be paid. My direct deposit was in my acct and available on the XXXX of XXXX. I checked online and my mortgage payment had not hit my account as of yet. The next day I see a XXXX nsf fee saying mortgage payment was returned?? How?? My money was available and per online banking my mortgage payment had not hit my account how could it have not cleared. According to USAA they do not show you online or via bank statements on when items are presented or returned to the customers all they show is the nsf fee you incurred. When I asked the agents why they do not have an explanation. So if my mortgage pmt did hit on the XXXX of XXXX when my funds were available I would not know and it is designed for you not to know so you can not fight it. Per their corporate resolutions team they agreed but told me they have been doing business this way for yearsthis is a class action law suit they are doing this to access fees to their customers and you have no way of fighting it since the do not provide details of the transaction. This is deceiving the consumer and something needs to be done
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 08081
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: USAA fraud department refused to reimburse funds to the account due to a scam of {$740.00}. I immediately notified the bank of the incident and uploaded all supporting documentation to show the malicious and complexities of the fraudster. The banks reasoning is that the money sent to the other account was a registered XXXX user and isn't fraud. However, this is fraud because the user created fake XXXX business emails to solicit the money. I believe that I did not act out of negligence and this was a thorough and premeditated attack on my finances. USAA does not have an appeals process at this time. It is important to note that I have banked there for 8 years and am considering switching due to their unethical business practices.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: ND
Zip: 58504
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: XXXX XXXX and USAA Managers, After your response, I have decided to file a small claims lawsuit against USAA in this matter. I am waiting on responses from the following places before filing : 1 ) XXXX XXXX XXXX 2 ) The Texas Attorney General 's Office 3 ) The Consumer Financial Protection Bureau 4 ) Office of the Comptroller of the Currency XXXX ) Federal Deposit Insurance Corporation 6 ) Federal financial Institutions Examinations Council 7 ) Federal Reserve Consumer Complain Line 8 ) Texas Dept. of Banking I have been a faithful member of USAA for more than 20 years, since I was in high school. My mother is a longtime USAA member and so are several family members and longtime friends. I've never had any issues with USAA until now. For you and your bank to make a decision to suspend my transfers for SIX MONTHS ( not a month -- not a week ) without investigating WHY and not giving notice beforehand is unacceptable. I explained previously that I was expecting a deposit into my XXXX XXXX account and attempted to transfer funds to and from that account. It is MY ACCOUNT. your email explained that there were 4 transfers that were all declined and that is correct. But to SUSPEND transferring funds in and out of my account for SIX MONTHS is absurd for several reasons. 1 ) I was NEVER given any email or notification that if there were transfers not going through, that my account would be suspended to where I can't transfer. I'm not even able to use XXXX, XXXX, XXXX XXXX or any transfer as a result of your decision. 2 ) Both USAA AND XXXX XXXX charged me NSF fees for EACH transaction. Again -- I'm filing a lawsuit IMMEDIATELY once I get responses from the agencies. This is an unacceptable response to my questions. At this point, I dont care what is laid out in any rules. You should have taken into account that this was never done before, these transactions were between accounts that belonged TO ME, and I was not given any notice prior. I plan to take this as far as needed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I found check fraud against my checking account ( someone intercepted a check from the mail and altered the pay to field ). Call 1 to USAA, they had trouble submitting the complaint, I was told they would call back once they got it to go through. Call 2, I called because I never heard back, and was told the fraud complaint was submitted and I needed to wait. Call 3, I had waited a couple of weeks and still hadn't heard anything, was told that the complaint was never actually submitted, but they got it to go through during this call. Call 4 a couple weeks later, was told it was still processing and they were backlogged. Call 5 was because I suddenly found that all my accounts were frozen ( not just the account with check fraud ) and a bill payment had been rejected. Spent over an hour on the phone straightening it out, and when I asked why I wasn't informed about the frozen accounts, the rep confirmed no notice had been sent out ( she didn't know why not ). They also refused to reimburse me the NSF fee from the rejected bill payment. All reps I spoke to except on Call # 3 were incompetent. And freezing ALL of my accounts without ever informing the customer is unacceptable bank practice.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92704
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I had a bank account with USAA in which I no longer have access to do to fraudulent activity. There was almost {$5000.00} worth of charges to my account from overseas in XXXX XXXX XXXX I spoke with the bank and they told me that they worked along with their fraud department and came to the conclusion that I was being accused of being involved in the fraudulent activity of my account which I was not. I called the fraud department many times and got no answer. The case has been closed and I was told not only would I not get the remaining balance in the account, but that I owed the bank money as well. Also, my account was connected to my mother 's account with USAA as well and her account has also been frozen and she is also unable to remove her remaining balance. I believe that my personal information was somehow stolen, also a college that I once attended ( XXXX XXXX XXXX XXXX ) sent out letter later that year advising students that there was a hack in their systems and students personal info including name, addresses, and social security numbers had been compromised.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27713
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: I posted a dining table for sale on XXXX, XXXX XXXX. I was contacted via email and asked to text reply. There were 2 phone numbers from which I received/sent texts : ( XXXX ) XXXX and ( XXXX ) XXXX. The person bought the table and paid with a cashier 's check. I deposited it to my USAA bank account as listed above, and waited 24 hours, although my bank said the money was available immediately. The person wrote the check for {$1600.00} in excess of the cost of the table and asked me to pay movers to send it. They asked me to send money to the movers via XXXX. I had never used XXXX. I sent {$1000.00} via XXXX XXXX through my bank, USAA ) on XX/XX/21 to XXXX ( my account was limited to $ XXXX ) and then I sent {$600.00} via XXXX on XX/XX/21 to XXXX, for a total of {$1600.00}. I then noticed that the cashier 's check had bounced. I contacted my bank and was told that the cashier 's check was counterfeit. I did not know such a thing was possible. My bank ( USAA ) said they would inform XXXX and the recipient 's bank. About 10 days later USAA said the recipient 's bank declined to return my funds. I got a letter stating that the recipient 's bank account was frozen, and that per XXXX policy I need to work it out myself with the recipient. This is not possible with a criminal. I called my bank back and pointed out that XXXX policy forbids use of the service for illegal activities including fraud or scam, but my bank declined to take further action. I requested a copy of the info provided to XXXX and the recipients bank, so that I could be sure that they were informed of the fraud, but USAA never provided it. I also contacted XXXX, and XXXX had no information that USAA had ever tried to contact them, which is suspicious. I have not received a refund of my defrauded {$1600.00}, although I filed a complaint with my bank and I asked to speak with a XXXX. I called them 3 times. I have the scammer 's name, email, phone numbers, and counterfeit check, as well as the XXXX and USA transaction numbers, and the report of the frozen bank account of the recipient. I am hoping someone can help to refund my money. It is disturbing that there is NO policing of the XXXX wire transfer service by banks or XXXX. I have been a USAA member for 28 years.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2022-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A