Date Received: 2024-01-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 I was charged {$1600.00} dollars from XXXX XXXX XXXX. I contacted USAA regarding the transaction stating that this was an un authorized transaction and would like to dispute it. I contacted USAA multiple times regarding the status of the dispute and nothing was provided. Finally, after numerous times contacting USAA, I was told that there decision to deny the dispute is final and i have been told they can not review the case. I have asked USAA to help me with regarding what i need to provide to them for this case to be reviewed, no help from USAA has been given or direction of why my dispute is finalized.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33603
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On the XXXX of XX/XX/XXXX while traveling for XXXX I stooped and got fuel @ XXXX and went to check into XXXX at XXXX and card was declined. After calling the bank on the XXXX I was not able to get USAA to tell me anything about why my card was being declined. XX/XX/XXXX I received notification that USAA was exercising its right to discontinue business. Could not tell me more about or why. XXXX miles from home with every XXXX to my name was in the bank me and wife and XXXX kids had to sleep in vehicle because USAA wouldn't allow access to any funds. XX/XX/XXXX, XXXX spent hours on the phone with usaa trying to a reason or explanation of what cause and why this happened. No answer. On XXXX XXXX I contacted usaa again, spent hours on the phone being transferred in circles trying to get answers I was told account was going to be placed in credit only status and I was told I would not have access to my funds for XXXX from XXXX XXXX. XXXX XX/XX/XXXX and I am being told I can not access my funds and I can not close my account that all my money would be returned in XXXX. XXXX years as a customer with USAA. I have all my insurance and everything with them and now they have taken away all my account access and account history.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77042
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Repossession
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I, XXXX XXXX XXXX Trustee of the XXXX XXXX XXXX XXXX is giving USAA a warning an intent to sue in federal jurisdiction to the fullest extent. I have offered arbitration and USAA has chosen acquiescence therefore as a flesh and blood living soul I am now invoking my rights and ready to come forth with the fraud and deceit USAA has committed. I will give XXXX hrs before I contact the process server XXXX XXXX ( XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My husband, XXXX XXXX, last 4 of SS XXXX, DOB XX/XX/XXXX passed away on XX/XX/XXXX. There is no estate as he had no assets and his income came from SS and VA XXXX which stops at death. He had a credit card at USAA on which I was an authorized user only. The card has about XXXX on it and now appears on my credit report. As an authorized user only, I am not responsible for this debt and want it removed from my credit report immediately. I did not try calling them as it is difficult to deal with them without getting transferred all over. Thank you, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MN
Zip: 55416
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: USAA Federal Savings Bank, an indirectly wholly owned subsidiary of USAA, is a federally chartered savings association established to provide personal retail banking services. Chartered in XXXX, FSB serves as USAA 's sole savings association, making USAA a grandfathered unitary savings and loan holding company. Consequently, the activities of such holding companies are governed by 12 CFR Part 238, and they are required to maintain designated books and records as specified by the Board. Furthermore, both the savings and loan holding company and its non-depository affiliates are obligated to uphold accurate and comprehensive records of all business transactions. Regrettably, USAA FSB has failed to adhere to this obligation by supplying me with inaccurate and irrelevant account statements, specifically regarding my XX/XX/XXXX vehicle loan. Despite my persistent requests beginning around XX/XX/XXXX throughout XXXX, made via recorded phone calls and USPS-delivered mail, I have not received the requested account statements. It is imperative to note that no savings and loan holding company should engage in activities with the intention of evading laws or regulations applicable to the associated savings association. In this context, USAA FSB 's failure to maintain accurate records concerning my XX/XX/XXXX vehicle loan raises concerns not only for me but also potentially for the regulatory authorities overseeing the institution. The inability to access my account statements, crucial for reviewing payments made to FSB, is a significant issue. USAA FSB 's actions have caused considerable harm, leaving me unable to substantiate the amounts and timelines of payments made in good faith. This situation raises concerns about the accuracy and integrity of the records provided by FSB, not only to me but also to its regulatory overseers.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: USAA Federal Savings Bank, my installment loan servicer, has intentionally supplied inaccurate information to credit agencies for a duration exceeding 50 months. The account fraudulently reported as charged off corresponds to my consumer loan initiated on XX/XX/, with an initial sum of {$6600.00}. USAA FSB reports the charged-off amount as {$4700.00} on an account I never defaulted on. The installment loan servicer not only fraudulently reports the account as charged off but also provides false details pertaining to this assertion. Consistently, USAA FSB provides varying information to XXXX, XXXX, and XXXX. Only through my disputes with XXXX has the information somewhat aligned with the actual series of events involving my vehicle and account. Despite my persistent efforts, FSB maintains an erroneous report to the other credit agencies, stating that I made payments in XX/XX/, whereas the last initiated payment took place around XXXX. The installment loan servicer declines to furnish a payment history, leaving me unable to accurately specify payment dates and amounts. Furthermore, USAA FSB has ignored XXXX XXXX XXXX XXXX XXXX which articulates what a holder should do in the event it repossesses a vehicle thereby forfeiting any rights and remedies to collect a payment. Despite numerous requests for account statements and payment history, USAA FSB has only provided blank records for time periods excluding the months in which I made payments. Despite communicating this matter to XXXX, the account continues to be reported inaccurately. Through their persistent reporting of this account, USAA FSB is in direct violation of 15 USC 1681s-2 ( a ) ( 1 ) ( A ). I maintained a timely and early payment record with USAA FSB, commencing payments in XX/XX/. Even according to USAA 's report to the credit agencies, I made a payment of {$1900.00}, which could not have resulted in a default in XXXX, XXXX, or XXXX, considering my scheduled payments were {$160.00} during that period.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Repossession
Subissue: Deficiency balance after repossession
Consumer Complaint: XXXX XXXXXXXX : When any goods have been repossessed after default in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, the seller or holder shall not be entitled to recover a deficiency against the buyer unless within XXXX days after said repossession he forwards by registered or certified mail or statutory overnight delivery to the address of the buyer shown on the contract or later designated by the buyer a notice of the sellers or holders intention to pursue a deficiency claim against the buyer. The notice shall also advise the buyer of his rights of redemption, as well as his right to demand a public sale of the repossessed goods. In the event the buyer exercises his right to demand a public sale of the goods, he shall in writing so advise the seller or holder of his election by registered or certified mail or statutory overnight delivery addressed to the seller or holder at the address from which the sellers or holders notice emanated, within XXXX days after the posting of the original sellers or holders notice. XXXX XXXXXXXX : When any motor vehicle has been repossessed after default in accordance with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, the seller or holder shall not be entitled to recover a deficiency against the buyer unless within XXXX days after the repossession he or she forwards by registered or certified mail or statutory overnight delivery to the address of the buyer shown on the contract or later designated by the buyer a notice of the sellers or holders intention to pursue a deficiency claim against the buyer. The notice shall also advise the buyer of his or her rights of redemption, as well as his or her right to demand a public sale of the repossessed motor vehicle. In the event the buyer exercises his or her right to demand a public sale of the goods, he or she shall in writing so advise the seller or holder of his or her election by registered or certified mail or statutory overnight delivery addressed to the seller or holder at the address from which the sellers or holders notice emanated within XXXX days after the posting of the original sellers or holders notice. In the event of election of such public sale by the buyer, the seller or holder shall dispose of said repossessed motor vehicle at a public sale as provided by law, to be held in the state and county where the original sale took place, or the state and county where the motor vehicle was repossessed, or the state and county of the buyers residence, at the sellers election. XXXX XXXXXXXX : After default, a secured party may take possession of the collateral and without removal, may render equipment unusable and dispose of collateral on a debtor 's premises under Code Section 11-9-610. A secured party may proceed under subsection ( a ) of this code section : ( 2 ) without judicial process if it proceeds without breach of the peace. If so agreed, and in any event after default, a secured party may require the debtor to assemble the collateral and make it available to the secured party at a place to be designated by the secured party which is reasonably convenient to both parties. XXXX XXXXXXXX : After default, a secured party may sell, lease, license, or otherwise dispose of any or all of the collateral in its present condition or following any commercially reasonable preparation or processing. Every aspect of a disposition of collateral, including the method, manner, time, place, and other terms, must be commercially reasonable. If commercially reasonable, a secured party may dispose of collateral by public or private proceedings, by XXXX or more contracts, as a unit or in parcels, and at any time and place and on any terms. USAA Federal Savings Bank has disregarded the above listed XXXX codes in regard to repossesses after default. USAA FSB did in fact issue me a notice that it was going to repossess my vehicle upon nonpayment of the default it claimed I was in ; however, that was the XXXX and only notice I received from USAA FSB concerning the repossession of my property. I do not recall the exact date, but the time was approximately XXXXXXXX XXXX during the last week of XX/XX/2019 when the vehicle was stolen by USAA FSB under false pretenses. The business did not deliver to me any notice of intent to collect deficiency, nor was I made aware of the final disposition of the vehicle after its repossession and sell. USAA FSB continues to make claims that I owe a deficiency of XXXX on a principal balance of XXXX. I have made multiple requests to the institution for copies of my account statements and payment history so that I can verify the payments I made, but it is my concern that USAA FSB has deleted said records.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XX/XX/2019, USAA Federal Savings Bank erroneously repossessed my vehicle and disclosed no information in regard to the secured property as required by the of XXXX. XXXX XXXX, When any goods have been repossessed after default in accordance with Part 6 of Article 9 of Title 11, the seller or holder shall not be entitled to recover a deficiency against the buyer unless within ten days after said repossession he forwards by registered or certified mail or statutory overnight delivery to the address of the buyer shown on the contract or later designated by the buyer a notice of the seller 's or holder 's intention to pursue a deficiency claim against the buyer. In spite of numerous requests for account statements depicting my payment history for the months of XXXX through XX/XX/2019, USAA FSB continues to claim I was in default of my auto loan which resulted in a repossession. USAA FSB has not, nor did it issue any notice to me pursuant to XXXX XXXX. USAA FSB continues intentionally furnish damaging information to credit agencies which is a violation of 15 USC 1681s-2.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/, at XXXXXXXX XXXX I received a fraud alert text from my bank ( USAA ) with three transactions. One of the transactions listed was made by me, which was a {$68.00} purchase at XXXX XXXX XXXX XXXX, VA. The second transaction was a {$100.00} purchase at a XXXX in XXXX XXXX, Maryland. The third purchase was a XXXX purchase at the same XXXX in XXXX XXXX, Maryland. I called USAA immediately after receiving this text to have my card canceled and file a fraud report to have the money that was taken ( XXXX ) refunded. I learned that the card was already turned off when the XXXX was attempted, so that money was not lost. On XX/XX/, I received notification that my claim was denied with no explanation why it was denied. I then called USAA ( I believe on XX/XX/XXXX -- I was in XXXX XXXX when the claim was denied and returned to the United States on XX/XX/XXXX ) to request the information that was used to reach the decision with the intent to file a report with the CFPB. The customer service representative instead had me file a second report to dispute the original decision. I received notification that the second Fraud report was denied on XX/XX/XXXX XXXX XXXX This representative I spoke to prior to the second report also provided me with additional information. After the {$100.00} withdraw, the person tried to check the balance of my savings account from the same location in XXXX XXXX, MD. I do not have my savings account attached to my ATM card and this is what triggered an alert and had the card turned off. There was then an attempt to check the savings balance from NJ, which also failed because the account is not linked to the ATM card. After they could not see the savings account balance, the attempt to withdraw the XXXX was attempted and failed due to the card being turned off. The second rejection stated that a chip was used, so it was not a fraudulent transaction. However, there is only one ATM card for my account, and it could not be in XXXX XXXX, VA ; XXXX XXXX, MD ; and NJ at the same time. I also would have no need to check the balance of my savings account because I can see it on the mobile app ( and know it is not linked to my card ). Even a cursory review of my account activity would show that I frequently make transfers to and from my savings account via the mobile app and would use that method to check the balance and/or access my savings account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22153
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Someone stole my identity and opened up a checking and savings account with USAA. I called when I originally noticed ( a day after opened ). The verification question was my parents birthdays. I gave the correct ones and usaa said that is not correct. They said i can not do anything or be transferred without being confirmed its me. I described situation and offered to send any forms to prove it was me including social security card, federal and state ids or anything else. They didnt want anything bc I didnt know the security question the scammer created. I said can you at least pause the account to prevent any additional fraudulent activity or close it temporarily. They said no. I have no way to close this fraudulent account. I called them XXXX times now. I am so frustrated and just want the account closed because its not me. They can not and will not do anything to move this along. I have recording of usaa person saying everything stated above.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A