Date Received: 2021-12-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello, On XX/XX/26 I sent a letter to USAA & XXXX ( see attached ) to " no longer hear any more communications about this debt. '' However, I received another letter in the mail regarding accounts XXXX & XXXX. It's truly sad how I can't seem to talk to anyone who can actually help me and any responses I receive what seems to be like a copy-paste bot who lacks any reading comprehension. USAA calls me with an agent who has to look up in their systems as to why they are even calling me in the first place wastes a whole bunch of time just to tell me they cant help me. I'm going to continue to file complaints and leave negative feedback for each communication I receive moving forward.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80521
Submitted Via: Web
Date Sent: 2021-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-26
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: We had XXXX XXXX payments scheduled with our bank USAA Federal Savings Bank returned by the vendor, our mortgage company, XXXX Mortgage dba XXXX XXXX, but not credited to my checking account. Our home loan was held by XXXX when XXXX XXXX purchased that company several years ago. At the time, XXXX XXXX instructed us to continue making payments using the XXXX account number. We paid the bill in this manner for years using USAAs My Bill Pay app on the XXXX. It worked fine, until it didntXXXX XXXXXXXX had assigned a new account number to our mortgage at some point in the distant past. We did not notice, likely because it occurred during a time when I was XXXX with the XXXX, and whats more, the payment had always been accepted. On XX/XX/2021 and again on XX/XX/2021, we scheduled payments of {$1400.00} each ( {$2900.00} total ) just as we always have. Funds were withdrawn from XXXX XXXX checking account at USAA and sent to XXXX XXXX account at XXXX XXXX XXXX in XXXX, FL via XXXX. Since XXXX XXXX system could not identify the account number ( which it always had up until then ), they returned the funds on the dates payments were offered. Unfortunately, these funds were not returned to XXXX USAA checking account. We spent from late XXXX through XX/XX/2021 working with XXXX XXXX and USAA trying to find out what happened. On that date, XXXX XXXX finally informed us that the funds were returned to USAA and provided trace numbers to corroborate that. XXXX XXXX has also been willing to collaborate directly with USAA ( e.g., not through us ) to determine where these funds landed. Unfortunately, our repeated attempts to get USAA to participate have failed. USAA has also cited a 60 day period in which to make a complaint under XXXX regulations. First, we had no idea funds were returned by XXXX XXXX until XXXX XXXX, which is the relevant date in applying these regulations. Also, our calls to USAA began in XXXX, which certainly gave them adequate time to know there was a problem.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2021-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: on XXXX XXXX ish I was contacted by a collection company hired on behalf of USAA Federal bank trying to again collect a debt that is not mine. The collection agent was rude and threatened me with legal action and I want to file a formal complaint. 1st the call-in itself was ill-legal as I already sent them a letter in writing saying to NOT call me. ( see attached letter ) 2nd using near hate language is not acceptable to any human being in really any circumstance. But I guess that the quality of help USAA hires to save a buck. some fun quotes i have on recording " you are a piece of garbage if you do not pay your debt! you are under a contractual obligation to pay '' Colorado is a 1 party consent state when it comes to phone recordings. Since I already agreed to be recorded i started recording as well. I truly want these accounts gone now at this point. USAA does not get to hide behind a 3rd party debt collections company. I will submit my story and the audio clip of XXXX sec to XXXX XXXX XX/XX/XXXX if nothing is done. I'm not rich I can't afford an attorney but I can at least bring attention to USAA shardy practices
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80521
Submitted Via: Web
Date Sent: 2021-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Okay so I am on the fraud list and need to be taken off. The amount I owed has been payed, USAA says that my account has been cleared and that I should be taken off the early warning system. I am in the military and because I am on this fraud list no bank will accept me and I got checks that need to be cashed rather than sit around until they expire. If you can could y'all speed up the process of updating the list or take me off the list. Please and thank you XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2021-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-24
Issue: Can't contact lender or servicer
Subissue:
Consumer Complaint: This is my second cfpb complaint. My name is XXXX XXXX and I owner- retain purchased my vehicle back from USAA after it was totaled XX/XX/XXXX. I still to this day have not received, nor has the MD XXXX, gotten the proper OWNER-RETAIN SALVAGE TITLE PAPERWORK, so I can register my vehicle. My temporary tag expired XX/XX/XXXX, it is almost XXXX, and USAA / XXXX ( the company they use for totaled vehicles ) has not completed the proper paperwork so that I can register my vehicle. I have called about this issue constantly, emailed constantly, even stopped by the XXXX in XXXX, Maryland that I purchased the vehicle back from & the same answer, it's being worked on & I have to wait, it's been 1.5 years & still no one has given the XXXX, or me, any type of OWNER-RETAINED SALVAGE TITLE paperwork. I paid for my vehicle in full to USAA 1.5 YEARS AGO No problem, on the spot, and again no one at USAA has fixed this, oh yeah, & this is my second CFPB complaint, for anyone that didn't read the start! My second complaint for such a small issue for the Large corporation USAA, and this is their customer service they are presenting to consumers, I just have to say this is the worst XXXX & XXXX customer service that I have ever dealt with. I have never called, emailed, stopped by offices about the same small issue and no one has fixed this. I just want to put a license plate on my vehicle and drive legally without receiving tickets or towing. I've had both happen already because of not having a valid md registration. This is ridiculous
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 218XX
Submitted Via: Web
Date Sent: 2021-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-24
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: On XX/XX/XXXX USAA received a check in excess of {$22000.00}. On XX/XX/XXXX they applied the payment to a loan we had with them and have held onto an excess payment of over {$10000.00}. They filed me the hold would be 15 days. They are claiming the date started from an email on the XXXX congratulating me on the pay off. This is in excess of how long this bank can hold on to MY money. I want the money to be released immediately so I can start to relocate my assets to another bank
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 20155
Submitted Via: Web
Date Sent: 2021-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In this day and age of electronic payments, there is NO way that USAA Savings Bank/USAA Federal Savings Bank needs 7 to 10 days to process my monthly electronic draft payment. I pay our XXXX bill using electronic draft from my checking account every month, with payment always set prior to the due date, often a week to 10 days prior to the due date. I pay in full every month, and have done so for the over thirty years I have had a credit card with USAA. The payment amount disappears from my checking account on the date I have set the payment. USAA, however, does not release our credit limit for up to TEN days after the funds disappear from our account. If this were a paper check, I would have some understanding of the need to confirm that funds are available in my account, and that process taking several days. However, there is NO way that USAA doesn't have those funds almost instantaneously, and certainly within one to two days of the electronic draft date. When USAA does not fully credit our account with this payment ( which, again, is drawn electronically and immediately from my checking account ) and release our credit limit, however, I can not use our credit card. It causes real hardship during times of year, like XXXX, when we are making large purchases and need a credit card to do so. If USAA has my previous payment in their accounts, I should be able to use our account up to the full credit limit ( minus whatever outstanding balance we have accumulated in the interim period between the statement date and present date ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29607
Submitted Via: Web
Date Sent: 2021-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-22
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I'm writing this complaint in regard to an adverse action letter I received concerning a consumer credit application I submitted to USAA on XX/XX/XXXX for a CREDIT CARD to my open end consumer credit plan, I am a consumer and The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. The adverse action that that they took against me has caused me much XXXX and made it hard for me to operate as a consumer in commerce. I was deprived of the right to access my open end consumer credit plan and this has caused me financial hardship and stress. Pursuant to the FCRA, as a consumer, accuracy is defined as the measure of value ; value is something only a natural person or human being can measure. Fair to me means no one is taking unjust advantage of another. Congress talks about accuracy and fairness, they're asking me as a consumer to decide whether my consumer report is valuable to me ; and whether I feel like I am receiving a just advantage or no one is taking unjust advantage against me. I have reasons to convict USAA of 1 count of taking unjust advantage against me on XX/XX/XXXX. according to 15 USC 1681m the adverse action section in the Fair Credit Reporting Act is that it never mentions a denial of credit. It only mentions being denied for insurance or employment. Why does it not ever mention being denied for credit? The answer is in Truth In Lending Act ( TILA ). I am aware that there was a finance charge involved in the transaction which is the sum of all charges. I can not be denied credit because I know that I have an open-end credit plan, which I administered and extend/originate myself credit to make them a creditor/debtor to extend me my own credit. I am the consumer and only a natural person grant such rights. This is why adverse action does not mention being denied for credit because Congress knows the truth, financial institutions don't loan money because there hasn't been any in circulation since XXXX and also pursuant to 12 USC 83, banks are prohibited by law to make loans or discounts on the security of the shares of its own capital stock. So what is USAA denying me for exactly? are they admitting to violating their corporate charter by attempting to loan me money? Where is the credit coming from exactly? Can they provide me and the CFPB with documentary evidence on where the money being lent is coming from? According to 15 USC 1681m ( C ) ( ii ) ( I ) Information referred to in subparagraph ( A ) - does not include- information solely as transactions or experiences between the consumer and the person furnishing the information. They are found to be in violation labeled Exhibit A & B. This is not a request, I am granted the right to credit under my open-end credit plan which I am administering. Pursuant to 15 USC 1681m The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any INSURANCE, existing or applied for, in connection with the underwriting of INSURANCE ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer. The law did not mention any denials of credit but does mentions denial of insurance or employment. The application I submitted to USAA was a consumer credit application. Pursuant to 15 USC 1602 ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Does this not mean that I granted the right to USAA as the debtor in this transaction to incur debt and defer its payments? so why am I being denied for CREDIT that I am granting? I did not apply for insurance or employment with USAA. Every consumer credit transaction includes a finance charge. a finance charge is defined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit pursuant to 15 USC 1602 ( j ) - The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance .I 'm granting the right as the original creditor to open, my open-end consumer credit plan. copies of the federal laws will be uploaded labeled exhibit c, d and e.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2021-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have sent letters to XXXX, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. USAA SVG BK is the company that is reporting to XXXX and XXXX, as well as, XXXX is alsoreporting falsely. They removed some reports from XXXX but they were not able to remove it from XXXX and XXXX. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( XXXX ) Method of verification this account is in violation it was reported without valid evidence Under XXXX5 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting 100 % accurate. Unauthorized/Erroneous Account RESULT OF The XXXX Data XXXX Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( XXXX ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91304
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: Apparently yesterday XX/XX/XXXX, there was two checks deposited into my account without my permission. One for {$8500.00} and the other for {$5000.00}, a total of {$13000.00}. Were in debt XXXX due to this. Funds were moved around and sent to my XXXX which was also used. I tried calling USAA to let them know it wasnt my husband or I. I told them when I went to the grocery store to get some food and stuff for my son my debit card declined. I usually have some money in my XXXX so I used that in the time being. When I got into my vehicle and tried to log in to my bank app ( USAA ) it said my account was locked. When I got home I called the number it gave me and I was on hold for an hour and a half or so. I hung up in hopes I would have better luck of getting someone to answer soon. I was on hold for another 3 hrs and 48 mins. I was informed that everything was pretty much coming from my phone. That the checks were deposited from my device and in XXXX. I told them it wasnt me. They informed not much can do since they dont have much evidence from me to prove it wasnt me. My XXXX was hacked and my XXXX too. I deleted XXXX in hopes to put a stop to the culprit from its wrongdoings. Ive tried calling XXXX to inform them not to release the funds to them. They said they have a high volume of calls and I need to go through the app but I am having a hard time recovering the account in order to file a complaint. I recent called USAA again was told I have to wait another 3 hours. I have to call them once again in the morning and hoping I dont have to wait 6 and a half or more hours to get to the bottom of my situation. Hackers are so advanced now a days and can figure out how to make it seems my phone was being used from the same location and everything. Im the victim and my family and I are being punished for someone elses actions. I dont have access to my account nor my funds. God forbid something happens and I dont have access to my money to take care of my family and I. Were in the hole for XXXX and its completely unfair!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31405
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A