Date Received: 2021-11-30
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have a USAA VISA credit card because my dad was a XXXX XXXX veteran ( now XXXX and I am an XXXX ). It had a good credit limit that I could use in emergencies, like purchasing an airline ticket... but since my military veteran XXXX died, USAA dropped me because I am not in the military -- but reinstated me when I reminded them I am still a son of a military veteran. Interestingly, just like previous years when my military veteran XXXX was alive, I didn't use the card ( but kept it for emergencies ), USAA killed my credit limit to a measly {$500.00} and refuse to raise it ... claiming the credit card bureaus are giving them a very poor rating ( outright lie, see attachment ). I am retired, but currently have over an XXXX credit score by all XXXX bureaus, and have over a XXXX dollar net worth. All bills paid on time without exception. My retirement withdrawals from XXXX was reported to the XXXX to have over {$100000.00} income. USAA has XXXX reason to not increase the credit limit to where it was prior to my military veteran dad XXXX As it is, I might be able to buy gasoline, but hardly anything more because of the extremely small credit limit. Ever since my military dad died, USAA has been trying to get rid of me ( discrimination ). USAA refuses to tell me over the recorded telephone as to what the credit bureaus supposedly reported, but said they are sending me a letter stating the reason for their discrimination because I have perfect credit reports from all three bureaus. XXXX XXXX puts me at the XXXX score!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-29
Issue: Fraud or scam
Subissue:
Consumer Complaint: I had USAA through XXXX XXXX in XXXX and XXXX, I became XXXX in XXXX when my father died. XXXX and XXXX XXXX have convicted a fraudulent scheme involving me and my son 's identity and defrauding several insurance companies, IRS, XXXX, XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19119
Submitted Via: Web
Date Sent: 2021-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: XXXX XXXX a recruiter reached out to me saying she had a opening with the company Boldly, and that I could connect with the HR guy from there, XXXX XXXX XXXX VA, for an interview about a customer service representative job from home. I reached out on XXXX, but beforehand looked him up on XXXX and he looked legit. He basically said that they had a job opening available for this position, and hed interview me and get back to me. Interviewed me on XXXX, and next day told me the results of the interview after going over it were that I got the job. He told me all about how Id make {$26.00} an hour, how training was 2wks long, and duties for the job etc. He said before training could begin, I needed equipment for the job, like a laptop, printer, scanner, things like that. He said theyre expensive pieces so their company sends out a check to me so that I can reach out to their equipment company to give them the money so they can send me equipment. At this point I had no suspicious thoughts, because Id been in the military the past XXXX and figured this might be how things are done in the civilian sector now. On XX/XX/XXXX, I received a check from them for {$4700.00}. XXXX told me to deposit it in my account, and then use XXXX, XXXX, and XXXX XXXX to get the money to their equipment company. So I sent {$1000.00} through XXXX, {$1000.00} through XXXX, and {$600.00} through XXXX XXXX to their equipment guy XXXX XXXX from XXXX, GA. I tried to do more, but USAA caps what I can transfer. So XXXX told me to just send the rest of it the next day. XX/XX/XXXX, I sent {$1000.00} more through XXXX and XXXX to XXXX XXXX, and XXXX told me I had another check coming to deposit as well. I went to login to my bank account and found it locked. So I called USAA, and they proceeded to tell me the check I had deposited was fraudulent, and that they would be freezing my account for an investigation immediately. I told them in tears I had no idea, and explained the situation. The USAA rep told me theyd contact XXXX to see if they could get the money back, and that I should report it on XXXX as well. After 7 days of no access to any of our money, I called to see if the investigation was over. They said it was, and that XXXX XXXX returning the {$2000.00}, and that USAA pulled the {$4700.00} back from the account. Yesterday, XX/XX/XXXX, XXXX came back and said they couldnt refund the {$2000.00} either even it was a scam. XXXX XXXX I called back USAA and told them under XXXX XXXX and the directive from the Consumer Financial Protection Bureau XXXX XX/XX/2021 of the Electronic Funds Transfer Act that banks are required to refund consumers for fraudulent transactions on their accounts. It said the law applies to if a 3rd party fraudulently induces a consumer into sharing account access information. This is put in place for when someone tricks you, so that when treachery is involved consumers are protected. USAA is not helping to resolve this issue in a timely manner, or following laws to keep the compliant to Reg E and this specific directive.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89081
Submitted Via: Web
Date Sent: 2021-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-25
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: USAA informed me via postal mail that effective XX/XX/2021 all accounts within their bank would be in a credit-only status with no withdrawals or ACH Debits allowed despite multiple utility bills requiring to be paid, most if not all are past due, which I've become responsible for the financial hardship and unnecessarily restricting me from my XXXX XXXX XXXX XXXX XXXX Retired Veteran from XX/XX/2021 until this day, because I still have not been able to deposit, cash or successfully have access to my entitled funds due to now XXXX XXXX XXXX XXXX XXXX verify funds for the lines of accounting utilized whenever USAA mailed me out XXXX corporate checks - XXXX of them larger than normal at about {$12000.00} and the other approximately {$3700.00}. Their rationale was they required to ensure any deposits did not come back returned, which had never occurred on any account throughout my decade tenure with USAA. This type of cruel and unusual punishment exhibited has not only affected my surrounding support network, moral relatives, but it has achieved the capability to affect my XXXX XXXX XXXX XXXX XXXX due to an XXXX XXXXr I suffer from. Some type of major oversight or scrutinized policies for retraining and teaching the most appropriate methods to avert such havoc like which I'm still currently enduring, along with my in-town relatives - both medically and financially. This can not be another fluke in the system that another servicemember or veteran. or retiree or dependent should have to endure due to mere oversight and not actually addressing the most precedent or effective method in maintaining the continuity of business flow.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78244
Submitted Via: Web
Date Sent: 2021-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-24
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: XXXX XXXX XXXX was seized in XXXX. They had no right to seize my property pursuant to Title 15 USC 1692e ( 4 ). Not only did they seize my property but constantly tried to make me make payments which is false and misleading pursuant to Title 15 USC 1692e ( 6 ) ( A ). They invaded my privacy pursuant to Title 15 USC 1692 ( a ). They seized my property for a debt that was already paid when i extended my credit to the bank. They are stating they are the original creditor when pursuant to Title 12, section XXXX, XXXX XXXXbanks can not loan credit, only money. Pursuant to Title 15 USC 1692 ( a ) ( 4 ) the original creditor is the one who extends credit and I extended the credit via my credit card ( SSN ). They created a false form violating Title15 USC 1692 ( a ), stating they were giving me an loan and I was a borrower, when there is no such thing as a loan in Title 15 TILA or FDCPCA. They also sold my location information and other information to a third party debt collector which is against Title 15 USC 1692c ( b ). They did not have my permission and they may not communicate with any other person other then the consumer. USAA also ruined my reputation and violated my rights by giving my information to consumer reporting agencies without my permission.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2021-11-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I had my loan in forbearance for the first pandemic. The pandemic forbearance ended and the company has been giving me a hard time about coming up with a solution for the end of the forbearance. I am a XXXX vet with XXXX. They had me fill out some online form which was incorrect but the man submitted it anyway without giving me the opportunity to fix it and now I can not get anyone to return phone calls.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31069
Submitted Via: Web
Date Sent: 2021-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This is with USAA secure credit card. I made a purchase on XX/XX/05 for {$220.00}. The merchant converted my credit card payment to cash via XXXX. USAA charged me for a XXXX XXXX XXXX of {$6.00}. Since the charge, I have been paying a monthly " Interest on Cash Advances. '' The month of XXXX it was, {$0.00}, then XXXX {$1.00}, and XXXX {$1.00}. When I called USAA to ask how I can pay this charge off so I am not being continually charged every month for the interest on the cash advance fee, I was told I had to pay my entire card balance off ( which is about {$1600.00} right now ). When I asked if this meant that I would continue to be charged Interest on Cash Advances for the next several years, I was told yes ( until the card is paid off ). Each month I pay an additional {$100.00} ( normally the minimum payment is {$32.00} or {$31.00} ) so I pay about {$130.00} or {$130.00} a month. When I asked if any of this additional money could be paid towards the cash advance payment or if I could pay additional money to pay off the amount so I would not be charged each month for the additional Interest on Cash Advances, I was told XXXX. ' The ONLY way was to pay off the entire {$1600.00} balance. I have no control over how the vendor handles my credit card payment, so I should not be penalized for the next several years on a 'cash advance. ' Since this is a secure card, I thought I could direct additional money towards the payment of this cash advance? I have spoken to XXXX USAA representatives and when I asked to talk to a Supervisor, I was directed to their Resolution Dept, which did not resolve anything. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20715
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: this message is for XXXX and XXXX. this is nothing against the two companies. i had a couple of debts with USAA in the past. they turned the debt over to a collections agency i am assuming in XXXX. i got calls from different collections agencies saying they have taken over the debt. one with was XXXX XXXX XXXX XXXX and another company calling from XXXX. but whenever i called this number back it said it's no longer in service. the person who called me from that number was a female and said it was a debt owed to USAA turned over to them on the XXXX then she said the XXXX XXXX XXXX so which is it? i have no clue. i think USAA is trying to get money from me by any means necessary. i reported the XXXX XXXX already. now im reporting USAA again for the millioneth time about this stuff.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I contacted by bank ( USAA ) about depositing a check through my mobile app. The check was for {$32000.00} and it was a total loss claim payment on an aircraft I owned through an XXXX. The check was made out to the XXXX, since the policy was written with the XXXX as the insured. I spoke to a representative on the phone and asked XXXX questions : XXXX. Can I increase my amount allowed through mobile deposit from {$25000.00} to {$32000.00} ( to be able to deposit my check through my mobile app. The bank 's lobby is closed, and the drive-through line takes over an hour to get served )? XXXX. How do I endorse the check? The check was made out to my XXXX, which I am the Managing Member. The other member of my XXXX would receive half of the claim amount and is currently a member of USAA with a checking account there as well. After I deposit the check, I would send half of the funds to him. The person on the phone said she could temporarily increase my daily deposit amount through the mobile app to {$32000.00}, but she said there might be a " hold '' on some of the amount. I totally understand how that works and was OK with them placing a " hold '' on some of the funds until the check was cleared. I also verified how the check should be endorsed, since it was made out to my XXXX and not to me. I explained I was the managing member, and I had documents indicating the registration and incorporation of the XXXX through the State of XXXX showing myself as the Managing Member. I endorsed the check as follows : " For Deposit Only, '' ( Printed Name ), Managing Member, ( Signature ). '' She affirmed that was how to endorse the check. I immediately deposited the {$32000.00} and it was shown as a deposit in my checking account with {$7000.00} on " hold. '' That was perfectly fine with me, understanding how deposits and Reg CC works. On the morning of Saturday, XX/XX/XXXX, I discovered " someone '' reversed the deposited check for {$32000.00} on XX/XX/XXXX with no explanation ( image XXXX )! Also, the {$7000.00} hold was still in effect! They still had a hold on the remaining balance of {$1600.00}! This is my money and not associated with the {$32000.00} deposit... it was the balance BEFORE the check was deposited! I attempted to call and speak to someone on the phone, but the person I spoke to didn't offer any explanation, repeated the obvious status to me over and over, and was frustrating in the conversation since she stated there " was no supervisor '' to speak to or any person to answer my question on why the deposit was reversed or why there was a " hold '' on monies not part of that deposit. This " hold '' has been active for XXXX days now, and I suspect will still be there tomorrow ( Monday ). See images XXXX - XXXX of the uploads. As I stated earlier, this check was payment for a total loss claim on an aircraft owned by my XXXX with me being the Managing Member and the other member being a member of USAA and having an account there as well. The other member was piloting the aircraft when it was involved in a crash ( hard landing ) with no injuries or loss of life. However, even after all of the XXXX and emotions of dealing with an aircraft mishap and total loss, the treatment by USAA towards XXXX of their long-term, combat XXXX, military members is as best the result of total incompetence, or at worst, deliberate malfeasance and criminal activity.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: TX
Zip: 78006
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A