Date Received: 2021-12-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: When they ask you to write in details about the complaint : I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via XXXX certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. The account was also deleted from my XXXX and XXXX reports as well so in order to correct the inconsistencies between the XXXX, XXXX, and XXXX credit reports, the account needs to be deleted from the XXXX credit report. The information for this account listed on my credit report is : CREDITOR : USAA SAVINGS BANK, ACCOUNT XXXX, OPENED XX/XX/2018, BALANCE OF {$770.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2021-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2021 the bank allowed for several fraudulent checks to be deposited by only using a picture of said checks utilizing one mobile device and another screenshotting the checks which one was for {$3000.00} and 2 for {$1000.00} each total of {$5000.00} and made available {$1000.00} for immediatte use and allowed {$1000.00} to be XXXX out to the thiefs who manipulated my teen daughter into this scam, now the bank did absolutley no investigation and now are holding us liabe to pay the {$1000.00} that became readily available by the bank including fee 's of returned item fee 's total amnt owed is {$1000.00} which again would not have been made possible if the use of only using screen shots of pictures to be utilized for this fraud to be done on us, theres a email adress associated with the zelle transfer which they could trace and know who received the money and charge them to pay the money back. I received no help from my bank but a bunch of sorry 's which dont help my situation, i worked hard to get my credit scores but if this ends up on my credit and my daughters who is barely a young adult will completly set us back. I know using technology these days is more beneficial but having allowed such a transaction only with an image of an image should not be allowed and funds should not readily be made available in such large amounts unless its a direct bank transfer to another bank period!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 61107
Submitted Via: Web
Date Sent: 2021-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-08
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XXXX, XXXX, my wife and I logged into USAAs website to learn more about a VA home loan refinance. We were very interested in what the VA IRRRL program listed about reducing our current interest rate of 3.750 % and shortening our 30 year term considering that I am a XXXX XXXX XXXX XXXX veteran on a fixed income. The rates 2.625 % and 2.633 % APR looked very attractive and we wanted to get started right away by talking with a loan officer. I called and was introduced to XXXX XXXX who discussed the program in more detail- including that USAA temporarily suspended their cash out program, which was of interest initially to us. I ran out of time having to attend a VA appointment, so we scheduled a call for the next morning. On XX/XX/XXXX, I received a call back from XXXX to proceed with the application. After giving my approval for a credit check, XXXX said that my XXXX score was XXXX and my wifes was XXXX - both outstanding. A new mortgage loan acct was created based upon the following quoted to me by XXXX : * estimated closing dates- XX/XX/2012 * escrow estimate - {$3200.00} * estimated closing costs - {$0.00} * LOCKED IN RATES - 2.875 % and 2.9160 % APR * {$800.00} principal & interest pmt * opt in for disclosures electronically completed anticipating to receive documentation of loan estimate. XXXX then congratulated me on the new loan and said I was to expect a call next from another loan office with the intent to proceed/ intent to close. He said that from there on out the loan would be transitioned to a processor, who would be my main point of contact going forward via phone or email. Thats why I was surprised to receive a voicemail message from him later that day after business hours explaining that he had more disclosures to discuss with me. The next day he called, saying because of a problem with the VA IRRRL program being so specific I was now looking at refinancing at a higher interest rate ( quoted 3.0 % ) and the need to possibly have to lengthen the term from 20 now to 30 years! Understandably, my wife and I were both flabbergasted and requested to take the matter up with USAA higher management. The solution he gave to remedy the problem never involved anything I had previously agreed to, nor ever would.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 128XX
Submitted Via: Web
Date Sent: 2021-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: I got approved for a refinance auto loan at USAA in the amount of approximately {$56000.00} at APR of 0.48 % however the loan was done in my old name even though I sent the document of my name change to USAA several weeks ago and they have not updated it. Now my loan may likely be canceled and I will not be able to receive the refinance loan even though the error was done at the institution. The car title and loan at the other institution is in my new name as all my other documents however USAA either refused to approve my name change or drop the ball and I am very disappointed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77840
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: USAA Savings Bank has placed restrictions on my account which will not allow me to transfer funds FROM my account to another institution and they are placing 7 day holds on funds which they have received that were transferred out of another account. They are placing holds on my account and returning checks as insufficient funds ( NSF ) after they have the funds which were transferred from another financial institution and charging me {$29.00} for each NSF. On XX/XX/2021, using the USAA app, I transferred funds from my linked account with XXXX XXXX to my USAA checking account. The funds were withdrawn from XXXX XXXX on XX/XX/2021, as of XX/XX/2021 USAA still shows a hold on the funds and has returned checks ( NSF 'd ) which were written from my USAA checking account. This has occurred on XXXX different occasions.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33919
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX XXXX XXXX RE : # XXXX On XX/XX/2021 my husband XXXX XXXX asked me if I was moving funds between accounts, I then logged on to USAA to find that someone was depositing unexpected checks into the checking account and then transferring our real funds out of our account. To date both checks that were deposited have been reversed. Both of the checks were sent from the payor : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX. XXXX XXXX, WA. XXXX Upon reviewing the savings account, also with USAA we noticed there were transfers into the account and then fund transferred out in greater amounts. We have contacted USAA to report the fraud, they stated that my XXXX online password and email were changed and the transactions happened on the mobile application. They have not been forthcoming with any information such as what state this is occurring from, the account numbers that the money has been transferred to so I am unaware of who is doing this. Clearly they are doing it to expropriate funds. Will include bank statements as accounts are on hold.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21921
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Deposited Check XX/XX/XXXX. During initial attempt, remote deposit app gave an error and deposit was not completed, tried again later and deposit was successful. XX/XX/XXXX deposit was reversed and {$1600.00} was withdrawn from my account. Contacted USAA on XX/XX/XXXX when I saw my account was in negative and was advised check was returned for duplicate presentment. I stated I wanted to dispute this, but was informed that I could not because the check was returned and I needed to contact the issuer to find out why. 1st time I tried to open a dispute. Contacted USAA again on XX/XX/XXXX, and was told I needed to contact Issuing Financial Institution to see why check was returned. I wanted to open a dispute and was told it would do no good, because I was told there was nothing USAA could do, and because I deposited it twice it was my fault. XX/XX/XXXX, contacted issuing bank and was told to file police report and upload the report so that they may initiate an investigation; did what they asked and what USAA Customer Service Representative ( CSR ) recommended. XXXX XXXX I used XXXX XXXX to pay my car insurance bill on XX/XX/XXXX and received an error that the payment did not go through and to try again later, similar to the deposit. Tried again later and payment went through. When I checked my account ; however, both insurance payments had posted. ( Light Bulb came on ). Contacted USAA, XX/XX/XXXX and explained to CSR what had happened with XXXX XXXX and asked if I could to speak to someone in Remote Deposit to see if they could check the file to see how many times check was listed. I spoke with a gentleman and explained what was going on and what may have happened. He understood and stated it has happened before and would look. He stated the tool he uses to look at the image file would not connect, said that that was all he could do and said goodbye. I asked the CSR about opening a dispute and was told that without proof, USAA was not at fault ; nothing would come of it. 2nd time I asked to open a dispute. XX/XX/XXXX, contacted USAA and CSR contacted XXXX XXXX and a conference call was created. All parties, myself included, gave permission to speak to one another regarding all involved accounts. USAA CSR verified that the check was not deposited to any other financial institutions. XXXX XXXX CSR said it had not. 11 NSF Fees were credited to my main account ending in XXXX, based on the info. XX/XX/XXXX, the issuing bank found that the check-in-question was cashed and paid. I received a copy of the endorsed check showing that USAA had presented the check and was paid funds. Once notified that USAA had presented check twice, I contacted USAA and explained what issuing bank found and was advised to open a dispute. XX/XX/XXXX, called and spoke with a USAA CSR in regards to their having submitted the check-in-question twice on the same day and that they were paid for the 1st presentment, and the second presentment was the one that was actually submitted through mobile deposit successfully. I was transferred to the Executive Resolution team who assigned a Branch Manager named XXXX. He advised me to open a dispute, which I did. XX/XX/XXXX, I spoke with a USAA CSR again about this matter and was told that the dispute was being looked into. XX/XX/XXXX, I had not heard from XXXX for quite some time and contacted USAA again about this matter and the CSR transferred me to XXXX in the Executive Resolution Team, who said that the dispute was closed due to it being 60 days past/since the Account Billing Cycles end date. She also stated, You deposited it twice once at another financial institution and with USAA and this is your fault, we have the tracker ID and the check was in the National Check Database and have a good day, and hung up on me. XX/XX/XXXX, I called USAA and spoke with XXXX, I asked if she could give me the trace ID that XXXX did not give me. We had no issues and the call went well. XX/XX/XXXX, I called USAA and spoke with XXXX and asked when the billing cycle had closed. I stated that I believed it was XX/XX/XXXX but wanted to confirm it. She confirmed that it did indeed close on the XX/XX/XXXX, which put me within the 60-day window as per the Fair Credit and Reporting ACT OF 1974, resulting in the conclusion that USAA closed the dispute in error.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 318XX
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. USAA SAVINGS BANK XXXX XXXX. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. XXXX.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX
Company Response:
State: CA
Zip: 90037
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-04
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: This is loan from Usaa Federal savings for the amount of {$40000.00}, has been reported as identity theft this is inaccurate information
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2021-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Bank : USAA Federal Savings Bank, XXXX XXXX TX Summary : USAA is unreasonably keeping my check accounts " locked, '' and is being unresponsive to requests for an explanation of delay, or time to unlock accounts. XXXX. On XXXX and XXXX XX/XX/XXXX I reported possible fraud on XXXX of my XXXX check accounts. XXXX. I asked USAA if they could place a block on this single account to prevent unauthorized activity. XXXX. USAA " locked '' ALL my accounts on or about XXXX XXXX. This despite my needing a different account to transact normal banking. XXXX. On XXXX XXXX, all accounts are still locked, and USAA is being unresponsive to requests for assistance. I have no access to my funds, now in multiple accounts. XXXX. Attempts to call USAA have failed because I am told the wait time is several hours. On multiple occasions, calls were disconnected. Online chat is unavailable. XXXX. Having no access to my funds for this extended period is causing me hardship.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A