Date Received: 2021-12-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I opened a dispute in XX/XX/2021 for charges I was assessed by XXXX and XXXX marketing after numerous attempts to dispute with the merchants. I canceled all ads and marketing but yet was continuously being charged. After attempting to resolve it with the merchants I opened a dispute with USAA my bank. I never received any request to provide information. I logged in today to see that my account had been reversed with the charge. I called immediately and was told additional information was needed and I promptly provided it. With the XXXX, my mail is often delayed and we have a shortage of XXXX XXXX XXXX in my community and share a mail box. I was told that it was in the mail and promptly requested to reopen because it was same day. I turned over all documentation to support even proof that it was canceled. I was told that the dispute was reopened. Pursuant to https : XXXX1005/11/ # b-3 section ( c ) ( iii ) if there is an open dispute investigation the funds are to be issued for a provisional credit until it is resolved. The funds were never reissued and I was just told basically wait for a resolve from the investigation but be financially penalized even tho I provided overwhelming proof of the cancellation, the date and even me challenging the merchant Numerous times.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32839
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Other transaction problem
Subissue:
Consumer Complaint: ON THE XXXX OF XX/XX/2021 USAA FEDERAL SAVINGS BANK LOCKED ALL MY BANK ACCOUNTS DUE PREVIOUS ACTIVITY WHICH WAS CONSIDERED FRAUD. THE BANK LOST NO MONEY AND MY ACCOUNTS FINED ACCORDINGLY. THEY INFORMED ME I COULD NO LONGER BANK WITH THEM. CURRENTLY THEY ARE WITHHOLDING {$4200.00} OF MY XXXX XXXX XXXX. THEY SAID THEY WILL NOT RELEASE ANY FOR 60 DAYS. THIS WITH HOLDING OF MY FUNDS IS NEGATIVLEY EFFECTED MY ABILITY TO PAY BILLS AND MEET MY FINANICIAL OBLIGATIONS. I HAVE REQUESTED THAT THEY TRANSFER ALL MY REMAINING FUNDS TO MY OTHER BANK. TO DATE THEY HAVE REFUSED ME ANY ACCESS TO MY FUNDS,
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: 427XX
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The balance on the credit card was paid in full. I did not use this card for any transactions after the balance was paid in full. I only use credit cards for emergencies and then try not to carry a balance. My credit history and XXXX score was in the XXXX range when I first started dealing with USAA and had a excellent payment history prior to any financial dealings I had with them. Since my mortgage refinance in XX/XX/2015, that they processed under illegal contracts contracts, my credit history and scores as well as my financial life has been a logistical nightmare to clean up. Below you will see the proof that this card balance was paid off. USAA has caused harm and character defimation to my credit history and score by falsifying any transactions occurring after this payment shown on this bank statement. Such malicious acts were done to keep me from moving forward financially and to cover up their illegal and fraudulent mortgage service.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80020
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: In XXXX when the bank did something I didn't ask for I closed all my accounts with them including my credit card at which time I paid it in full. see copy of lettering enclosed apparently they've been compiling interest since on a zero balance and when I call them to take care of it they claim there's interest due because it compiled daily until it's paid seems like a issue with their system
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 79938
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: The XXXX time my debit card has been declined and I have money in my account. USAA continues to put unwanted and unauthorized restrictions on my account. This is the XXXX time. The XXXX time it was a deposit only restriction, now USAA put a credit only on my debit card. I did not authorize this, again. Please help.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: SC
Zip: 29016
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Received email from USAA on XX/XX/29 that my account was to be closed due to XXXX years of inactivity, which is valid. This account was open for many years ( 10+ ) and helped my credit score. They gave me XXXX days to spend on the account to keep it active. I ordered a new card which took a couple weeks to show up and it did while I was out of town for the holidays. I planned to come back activate and spend money on the card to keep the account active. The XXXX day period is unacceptable for removing accounts that people count on the bolster their credit score due to good standing and longevity. Called USAA on XXXX when I came back home to activate the card and spoke with XXXX reps and was told it was impossible to reopen an account that they closed even if it was 2 days ago. Years of good standing credit history wiped away with a short runway to get in compliance in unacceptable from a company like USAA.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NM
Zip: 87111
Submitted Via: Web
Date Sent: 2021-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-01
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 contacted the XXXX credit bureaus as well as USAA SVG BK challenging the factual, accurate, and compliant reporting of this account XXXX times ... .each time it comes back stating that it is verified ... .how can they be verifying this account with all of the inaccurate reporting between the XXXX bureaus? ... .i have attached a copy of the report with all of the inconsistencies circled..this account has been re aged, this account is reporting as a charge off but also reporting a past due balance that is a violation from everything im reading... .this account is reporting as a charge off but also reporting a credit limit..that is a violation as well and thats just from what my untrained eye see 's ... i have circled all inconsistencies
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 196XX
Submitted Via: Web
Date Sent: 2021-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: USAA Savings Bank is reporting an open account on my experian profile that I never initiated. I spoke with the fraud department XXXX XXXX of this year and they assured me the inaccurate information would be removed by the close of the week and I would receive some type of verbal or email follow up. Neither has been done and I am ready to press charges. The person on this case stated on a recorded line he sees what happens and that I was opened up by a XXXX XXXX a member with their credit union. It needs to be removed
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30324
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-30
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: I am a natural person and federally protected consumer. I entered into a consumer credit transaction ( XXXX5 USC 1602 ( i ) ) with UNITED SERVICE AUTOMOBILE ASSOCIATION, aka USAA, hereinafter referred to as USAA on XXXX of XXXX in which I opened an account, an extension of credit as defined by 12 CFR 1002.2 ( a ), that has been used for personal, family, and household purposes. It has come to my attention that my current account does not comply with federal law as I do so believe that pursuant to 15 USC 1602 ( j ) my account should be an open end credit plan. It has also come to my attention that my account has billing errors and I am disputing all past, present and future amounts. Pursuant to 12 CFR 1026.13 ( a ) ( 6 ), I am requesting documentary evidence ( 15 USC 44 ) for book of accounts as described in IRS Publication 583. In order to verify such amounts, I need to see the bookkeeping audit trail from both the private and public side to verify the current accounting and taxes associated with this account. I am invoking my rights as a federally protected consumer to withhold all past, present and future amounts in dispute pursuant to 12 CFR 1026.13 ( d ) ( 1 ). Because I am invoking my rights, USAA can not make or threaten any adverse reporting to any person about the consumers credit standing without first resolving billing error pursuant to 12 CFR 1026.13 ( d ) ( 2 ). Lastly, USAA can not and shall not restrict, limit, close, cause any disruption of any manner nor accelerate payments of the account and USAA has legally agreed to forfeit its rights to collect on all past, present, and future amounts in dispute under 15 USC 1666 ( e ) pursuant to 12 CFR 1026.13 ( d ) ( 3 ). Pursuant to 12 CFR 1026.13 ( e ), in an attempt to correct the billing error my XXXX XXXX is {$8700.00} which is a XXXX of {$1.00} and the amount balance should be credited and the remaining balance must be directed to me, the consumer, payable by check monthly pursuant to 12 CFR 1026.11 ( a ) and 15 USC 1666d. I believe that USAA has knowingly, intentionally, with forethought and malice deceptively been sending dividends via the mail and misrepresented the dividend as an invoice for the consumer to pay. Because of such deception, I have electronically transferred funds using my personal debit card information to USAA. This constitutes XXXX activity ( 18 USC 1961 ) which would be embezzlement, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requiring that all past, present and future coupons be sent to my place of abode in form of a check payable to me. Lastly, USAA has been sharing my nonpublic personal information with nonaffiliated third parties, consumer reporting agencies. I never received proper disclosures that were clear and conspicuous to OPT OUT pursuant to 12 CFR 1016.10 ( a ) ( 1 ). Pursuant to 15 USC 6802 ( a ), I failed to receive such disclosures nor was given a reasonable opportunity to OPT OUT, and now I am at risk for potential identity theft as my nonpublic personal information has been communicated without my consent to the consumer reporting agencies. In accordance with 15 USC 1681b ( a ) ( 2 ), I am giving my written instructions to report this account as paid in full and paid as agreed monthly. Pursuant to 15 USC 6801, it USAAs responsibility to protect the security and confidentiality of my nonpublic personal information and I do not believe that was done on my behalf.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-01
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: USAA closed my savings and checking account with no warning. I logged in this morning XX/XX/2021 to pay a bill online and my account was unavailable and it would not let me pay any online bills. I thought it was a glitch, so I logged in in the afternoon to see if the glitch was cleared and noticed my savings account had disappeared. I called USAA and spoke to a representative who told me it was a business decision but could not tell me why the business decision was made. The representative transferred me to a dispute department, who transferred me to someone else, who transferred me to a specialist. All I received was that there was a letter mailed out that I did not receive. All my communications with USAA has been electronically so getting a letter is not something I would expect for closing my account. No emails, No electronic online posting in my notices, and no phone call to warn me... .just a letter ( which I still have not found ). This is completely unacceptable and I will never recommend USAA to anyone again. So now I am out XXXX and have to wait XXXX to XXXX days to get my check for my checking and savings account to pay my mortgage, stop all my direct deposits, and update all my information that had automatic payments. Thanks USAA, this is what XXXX years of service gets you. There should be better notification practice and business decision with no other explanation is complete failure. The crazy thing about it all is that I had mortgage insurance and auto insurance under USAA which was automatically taken out of the account and was never late ( probably will be now since I have to wait for my check XXXX to XXXX days. I guess that it will be late now, and that is now even now up in the air .....
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2021-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A