Date Received: 2021-12-16
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 paid the account for this XXXX credit card in full on XX/XX/XXXX. The XXXX statement showed a balance of {$2300.00} with a minimum payment of {$4.00} by XX/XX/XXXX. I paid {$2300.00} on XX/XX/XXXX and {$4.00} on XX/XX/XXXX as shown on the statement. I never received any notification that there was a pending amount for any interest. Why are they charging any interest if there were no transactions? There were no minimum payments due on the following statements until XXXX of which I was never notified. I spoke to XXXX in customer service who indicated the alerts were turned off on the account and that no one had tried to contact me. I did not receive any e-mails or statements to indicate I owed anything until a letter on XX/XX/XXXX which stated I owed {$11.00} ( I dont know what for ) but I immediately called USAA and paid and was assured the balance was zero. I check again on XX/XX/XXXX and it shows that I owe a balance of XXXX cents for who knows what since the account was paid-off and which I can not pay on-line. I again call and spoke to customer service and the charge was removed. However, USAA has reported me to all three credit bureaus as being late. I was a faithful customer and never paid late. It was their fault for not sending me any notification and truthfully, what are they charging me if I paid the account in full, this is a scam against veterans trying to collect interest. I was trying to refinance my home and get a VA loan, but because of this account was denied as my credit score has dropped dramatically. I work very hard to ensure my credit rating is excellent. I pay all my credit cards on time which you can check, and I have never paid this card late. I want my consumer report fixed as this was not my fault but the negligence of USSA for not alerting the customer of these bogus interest fee charges.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33193
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
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: On XX/XX/2021 I enrolled in a interest free cash transfer and of XXXX dollars plus a XXXX dollar transfer fee which went through perfectly. Except a week later when looking at my statement the trans action was input twice the cash transfer of XXXX dollars and the XXXX dollar transfer fee. I have been calling for about 3 weeks and they XXXX Bank who issued the XXXX master card keep telling me they will correct it and they informed me it happened to a lot of people in error. My main concern is that it has dropped my credit score due to the cards over limit that they caused.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I entered into a consumer credit transaction with USAA FEDERAL SAVINGS BANK on XX/XX/2021. USAA FEDERAL SAVINGS BANK is a debt collector pursuant to 15 usc 1692a ( 6 ) and the failed to disclose this upon our initial communication which was I initiated the transaction that they were debt collectors this is a violation of 15 usc 1692e ( 11 ). I later started to receive statements online that said that I the consumer allegedly owed them for this debt. These statements were false and misleading representation. The balances on these accounts were shown in the positive balance, this made me assume that these statements were coupons with refunds of money to me for the credit I extended to them because it is impossible to pay on a positive balance this is also a violation of 15 usc 1692e ( 2 ) ( a ). I exercised my right to rescind this consumer credit transaction on XX/XX/2021. It was delivered to USAA FEDERAL SAVINGS BANK on XX/XX/2021. I exercised this right to rescind by mail pursuant to 15 usc 1635 ( f ) my right to rescind this consumer credit transaction extends to 3 years as a result of the defective Truth In Lending Disclosure statement and the notice was sent a delivered to them within that time. I rescinded this consumer credit transaction for some of the following reasons. USAA FEDERAL SAVINGS BANK willfully and knowing failed to disclose information required under the provisions of 15 us 1601 this is a violation of 15 u c 1611. They also failed to disclose my rights under this contract as the obligor to rescind this consumer credit transaction pursuant to 15 usc 1635a and they have failed to provide me with the appropriate documents required for me to exercise this right. USAA FEDERAL SAVINGS BANK is also in violation of 18 usc 242 they received my notice of rescission and ignored it and has threatened to dispossess me of my property even though I have exercised this right. Usaa failed to abide by federal law and terminate any security interest created under the contract and return any money given to them within 20 days pursuant to 15 usc 1635b. USAA FEDERAL SAVINGS BANK has failed to accept my offer to tender the property at my place of abode with 20 days and now ownership of the property vest in my with no obligation to pay for it and I am not responsible for any charges pursuant to 15 usc 1635b. I, XXXX XXXX XXXX XXXX am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums unless it pertains to my remedy in writing via mail Pursuant to 15 USC 1692c. ( c ) USAA FEDERAL SAVINGS BANK is a financial insinuation pursuant to 15 usc 6827 ( 4 ) ( a ). Pursuant to 15 usc 6821 It shall be a violation of this subchapter for any person to obtain or attempt to obtain, or cause to be disclosed or attempt to cause to be disclosed to any person, customer information of a financial institution relating to another person ( 1 ) by making a false, fictitious, or fraudulent statement or representation to an officer, employee, or agent of a financial institution ; ( 2 ) by making a false, fictitious, or fraudulent statement or representation to a customer of a financial institution; or ( 3 ) by providing any document to an officer, employee, or agent of a financial institution, knowing that the document is forged, counterfeit, lost, or stolen, was fraudulently obtained, or contains a false, fictitious, or fraudulent statement or representation. they violated this chapter by causing my customer information to be disclose to the credit reporting agencies and to any repo companies without my consent which is identify theft. pursuant to 15 usc 6823 Whoever knowingly and intentionally violates, or knowingly and intentionally attempts to violate, section 6821 of this title shall be fined in accordance with title 18 or imprisoned for not more than 5 years, or both. Whoever violates, or attempts to violate, section 6821 of this title while violating another law of the United States or as part of a pattern of any illegal activity involving more than {$100000.00} in a 12-month period shall be fined twice the amount provided in subsection ( b ) ( 3 ) or ( c ) ( 3 ) ( as the case may be ) of section 3571 of title 18, imprisoned for not more than 10 years, or both.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/XXXX I attempted to access my USAA bank account, and was greeted with a message to contact USAA customer service. It took until I got to an Executive Relations Team before anyone could figure out why, someone had tried to access my account with an invalid password over the last few days. USAA chose not to notify me of this. On to their CEO Resolution Team, I was told the fraud department would look at it ... 2 days later I am still locked out of my account while the fraud department is allegedly doing there thing ... no one knows when or how I'll get back into my account. This happened in 2018, this is the 2nd time USAA has allowed this to happen. In 2018 they allowed someone to take over my entire bank account, they refused to help, they refused to give me any information to protect myself, my financial records, my job or my security clearance. I suspect it was an inside job at USAA - no way this happens to the same person twice. Only after 14 months of constantly calling and complaining did they eventually tell me what happened. The relationship with them has been damaged ever since. I want back in my account so I can pay off credit cards I have with them and close the remaining accounts I have. This bank prey 's on military members by claiming they are for us, however, it is quite the opposite.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 471XX
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: A company from XXXX is selling products on XXXX as an American looking company which scammed me for $ XXXX. I have submitted a complaint in XXXX XXXX and XXXX about this and my bank refused to issue this money back to me. The bank is stating that if I send back the incorrect merchandise the merchant will process the refund. It costs {$150.00} to send the incorrect item back which is more than the item itself. I ordered a XXXX item and the company purposely sent me a package that weighed XXXX. I asked the USPS service to confirm the tracking number and after their investigation they determined that this is fraud/scam.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22032
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: We received a fraud alert that an inquiry was made on my credit report regarding the opening of an account at USAA. I had a fraud alert placed on my credit file to alert all financial institutions. On XX/XX/2021, I received a debit card from USAA even though I NEVER opened an account with USAA. They have refused to work with me to resolve this issue.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21014
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-12
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: USAA approved my refinance loan XX/XX/2021 in my old name even though I had sent them the document which shows my name change, the agent at USAA said they have to redo my loan application XX/XX/2021 and after they did my loan was denied. I have been a loyal customer, I have a good credit score and paid all my bills on time and my loan was denied because of an error on USAA part.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77840
Submitted Via: Web
Date Sent: 2021-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Insurance policies were cancelled in XXXX but yet {$53.00} continues to be outstanding I requested waiver from XXXX with no response The Subscriber Savings Account balance is due me now that there are no insurance products When I canceled policies in XX/XX/2021 I was told there was no balance on homeowners, valuable personal and vehicle policies The XXXX XXXXsubscriber savings disbursement is being held up for this {$53.00} balance Requesting waiver of {$53.00} as no policies remain. USAA cancelled some policies in XX/XX/2021 and I cancelled remaining in XX/XX/2021 Please return entire SSA Bal {$6200.00} and waive alleged {$53.00} due USAA has no complaint tracking policy which violates CFPB mandates and is constantly receiving OCC sanctions for its illegal practices This is elder abuse and age discrimination by USAA
Company Response: Company can't verify or dispute the facts in the complaint
State: TX
Zip: 78245
Submitted Via: Web
Date Sent: 2021-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On or about XX/XX/2021 my Fall School Federal XXXX XXXX and my Federal Student Loan were accidentally deposited by XXXX XXXX into a closed USAA Checking account that belonged to my Brother XXXX XXXX which I was on as a user per his instructions. However, he passed away in XXXX and USAA had closed the Checking account and turned over to another company to collect from XXXX XXXX estate when it was settled. Instead, USAA reopened the account long enough to take almost XXXX of my money that was to pay for my college XXXX semester and the took my money. I called numerous times, sent emails to CEO explaining that they had taken Federal Grant and Student Loan money and if it was not fixed I would be forced out of college and they said nothing could be done. So a former service member is now kicked out of college because of an error by XXXX XXXX to begin with for depositing to a closed account which USAA knew it had my name only on the deposit. I am now forced to pay for a student Loan that I can't even get to take the classes for. Such a shameful origination that claims to cater to former service members but that's a lie.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 71291
Submitted Via: Web
Date Sent: 2021-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: While reviewing my credit card statement, I noticed there was ( 2 ) different interest for credit. ( 1 ) One was interest for charges to my account for purchases and ( 2 ) Another was interest charges for cash advance After reading the policy of my credit card agreement, I come to realize that USAA Savings Bank, USAA Federal savings Bank, the servicer of my USAA credit card, I believe based on my understanding of the agreement is " vague '' and does not explain the double interest charge on my credit card. I called customer representative ( 2 ) times to explain the 2 different interest charges ; one of the reps said I can pay the cash advance amount owed as long as I specify the amount and what it is for. In another call, I explained that I wanted to do just that and was told that I had to pay the entire credit amount for this extra interest rate charge to go away. This is for ( 1 ) one credit card. For instance : If I have a total credit limit on my card for {$500.00}. I use {$200.00} of my credit and get a cash advance for {$100.00}, I am being charged the same interest rate on both transactions, example : {$200.00} + 2 % interest and {$100.00} + 2 % interest, when asked if I could just pay off the cash advance amount of {$200.00} which will still be payback on credit owed, I was denied with them telling me in order to get rid of cash advance interest, I have to pay off the total amount owed to my credit used which is {$300.00}. This is just an example of how the credit card issuer is practicing unfairly.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A