Date Received: 2021-10-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 800XX
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: USAA is abusing my credit report they have been reporting on my account for over 13 years for the same exact account and thats abuse
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37303
Submitted Via: Web
Date Sent: 2021-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX we were victims of Mail Check Fraud. An outside party convince me that I received a job sent me a check for initial equipment. I cash that check and immediately was harassed and stated was ask to send the money back via cashier check. My husband realize that day I was victim of a scam. And we called USAA. They had not cut and sent the check yet. And we request that they do not send the check or cut the checks. They stated they will initiate a fraud investigation, and attempt to cancel the check and close the bank account also to stop attempt at pulling the funds. They stated they would notified regarding the fraud investigation and the status of the check. On XXXX and in-service email was sent that no fraud had occurred and not action will be taken. I did not see this internal message until XX/XX/XXXX. Not other attempts by USAA were taken to notified us. The cashier check were not stopped and were sent. On XX/XX/XXXX the scammer initial checked bonus, causing the account to be negative for XXXX dollars. On XX/XX/XXXX we received a letter from USAA notified us we had X numbers of days to resolved the negative account and the letter was our final warning. We called USAA who apologized for the letter. And stated they could not change the deadline even though the letter was our 1st notifications, as the account were closed and we were unable to view the accounts status and were awaiting communication on the status of the fraud ( we still did not see the internal message ). USAA stated they will reopen the fraud investigation and call us before the deadline based on the requirements. They did not. XX/XX/XXXX we call 24 hours before the deadline, to find out fraud did not contact us, but ended it second investigation, that my account was going to put in collection status. We were transfer to collection, to pay the off the negative amount. My husband, moved money in our joint account to pay the debt. But was not allowed to transfer money into the negative account due to it being closed in attempt to stop the initial scam ( that the USAA fraud team found not be fraudulent ). We were told we would have to pay wiring fees to pay off the debt, cause by the scam and the actions USAA directed us to do ( closing the account ). While on the phone with Collection agent, they state instructions, while my husband requesting more details on previous instructions and miss clear details need to write a proper wire fund ( we discover this happen after investigation by USAA executive customer support team ). This cause the cashier check to pay off the debt to invalid and we have to wait 90 days before being able to pay off the account. And pay additional fees for the second payment. In total we not refunded on fee charge of 20 dollars. Have spent over 300 minutes on hold and phone calls with USAA customer support and collections. USAA did no attempt to contact USPS to stop cashier check to be sent to scammer. Did not notified the Bank used by the Scammer to warn them of scammer using them for fraud. They did not provide any details to federal agency or local law enforcement that check was being sent to. They did not keep us inform of their investigation, to allows us to properly take these actions ourselves.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-16
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: We purchased a vehicle with a loan from USAA. We paid the loan off in full, they sent us the title and a letter stating that the loan was paid in full. They then proceeded to report our last payment as overdue. Despite calling them and disputing the item on our credit report they continued to report it. It's been a few years so the damage has been done but I would still like it gone.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 81501
Submitted Via: Web
Date Sent: 2021-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX I short sale my home due to the market crashed. It was short sake through the XXXX program they had for XXXX families. I had a Home Equity Line of Credit and USAA had agree to release the lien because they took the settlement of about XXXX dollars. However few months later they froze my bank account and said it was due to non payment on the HELOC. They wouldnt unfreeze my account until we agreed on the remaining balance to be transferred into a unsecured loan. I had filled few complaints before and was told they will put derogatory Information on our credit report. Being in the military you can lose your job. Now the loan has been paid in full. However I received a letter in XX/XX/XXXX due to a recent audit the previous agreement was honored and remaining balance will be waived and credit report will be restore. Since they did not honored the previous agreement she forced into a loan. I had asked for the money I paid after the original settlement agreement. I keep getting the run around with no answer.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-14
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XX/XX/21 I transferred {$7100.00} to what I thought was my wife 's new account at USAA but, I mistakenly entered her USAA member number. We called the bank on or around the XXXX to see why it has not been credited to her account. At that time a representative indicated that that had happened to them before and that I should just let the normal process take place and that the bank would recognize the On XX/XX/21 I transferred {$7100.00} to what I thought was my wife 's new account at USAA but, I mistakenly entered her USAA member number instead of her account number. We called the bank on or around XXXX the XXXX to see why the funds had not been credited to her account. At that time a representative indicated that I made a mistake and indicated the same had happened to them before and that I should just let the normal process take place and that the bank would recognize the error and that would activate a return of the funds. I waited several days and the funds were never returned. With the assistance of a member agent, on XX/XX/XXXX, I was instructed that the next step was to request to dispute the transfer. On XXXX, XXXX I received a denial and the dispute was closed. Today I talked to specialists, managers, etcI am being told there is nothing they can do. The information they are willing to provide is limited. I cant tell if the account holder where the {$7100.00} accidentally went to is denying the return or what. Essentially the account holder is keeping funds that do not belong to them. I do not know where to turn at this point. Here 's to hoping you can help me in some way.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-14
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 have two disputes with USAA 1 ) I was charged the wrong amount w/ USAA Case Number XXXX. 2 ) I was charged twice for USAA Case Number XXXX I have tried to dispute these with USAA but USAA is being negligent and not working with me. They have not called me about these cases or communicated with me in anyway, but continue to deny the claim. When I called to check the status of these claims, they advised me they were closed because no documentation. If I can not get the merchant to give me a receipt, I don't have one, and USAA can't provide one, how can they possibly continue to charge me? USAA Has made no efforts in working with ME to resolve these claims.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78681
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/2021, I was contacted by someone named XXXX XXXX via XXXX direct messaging, who claimed they were a representative from a record label, XXXX XXXX, run by the XXXX XXXX, XXXX, and that they potentially wanted to do business with me as an XXXX. They said researched my work and wanted me to fly to XXXX and meet with other staff from the label and discuss a deal. XXXX promptly sent me a compliance letter that said that they needed to access my bank accounts in order to send me funds to aid with any preparation I needed for the trip. I agreed to the terms of the letter and sent them first my bank account information from USAA Bank, where I had an account at the time. XXXX then had 2 checks deposited to my account at {$5000.00} each. After several days, the checks were found to be fraudulent. But not before I was asked by XXXX to begin sending some of money back to him via XXXX. His explanation was that those checks were from sponsors who could only wanted to make the check out to me since I'm the XXXX the sponsors wanted. The flight had to be booked with a private company and since the label was preparing the accommodations, they needed the money to help with those logistics. So thats when I had started sending several XXXX transactions back to what I thought were various staff people at the label. I did the transactions throughout the week of XX/XX/XXXX, until I had reached XXXX daily limits. There were so many transactions I was barely keeping up as you can not send large amounts of cash through XXXX. The transactions totalled about {$9000.00}. USAA had not contacted me that they suspected fraud until later, via letters they sent me, saying they wish to cease banking with me because they believe I was responsible. XXXX had also eventually closed my account. I had also given XXXX access to another bank account I had, XXXX XXXX XXXX XXXX. XXXX and company tried sending a fraudulent check there and XXXX XXXX immediately spotted the fraud. They closed my initial account and issued me a new account number, no questions asked. I still hadn't realized I was involved in a scam at the time. But I had no choice but to let XXXX take action. Today, XXXX is the only bank I have available to me due their proactivity. I gave a third bank account, XXXX XXXX Business Checking, that belonged to my business to XXXX in the hope of still being able to do business with the record label after USAA shut me down. At that point, more checks were issued to me. Several were sent by Same day FedEx in large amounts ranging from $ XXXX to $ XXXX. One check for XXXX, XXXX asked me to deposit in the XXXX XXXX on XX/XX/2021. I did so through the ATM Machine. Then I was asked to spend some of that money for myself and take out {$1000.00} and send to him through gift cards and more XXXX transactions. This is when I began to get uncomfortable because up until this point, everything was electronic and now I had to do more transactions in real time. Thats when the tactics changed. About a week after the XXXX XXXX check was deposited, it was returned. I told XXXX about all the returned checks and he urged me to press on assuring me he would fix the bank situations. As frustrated as I was I didn't feel like I had any other choice but to let it play out as he told me he didn't need any money from me, just the access to my accounts. XXXX attempted to pay my credit card debts as well. I owed {$7600.00} to a XXXX XXXX credit card and he attempted to pay that in full. He also attempted to pay off credit card accounts I have with USAA. One had a balance of about {$5800.00} at the time which is under a credit repair program from a previous unrelated financial situation and the account not usable. The second USAA credit card was much smaller and one I used for emergencies. All of those payments were eventually returned. The final case that made me realize this was real scam, as elaborate as it was, was a final check to a 4th bank account I had with XXXX. I was sent another $ XXXX check. It was first sent in the name of my XXXX, XXXX XXXX XXXX. When I tried to deposit it with XXXX, they wouldn't let me even as I proved the business belonged to me. So I told XXXX and he promptly sent me a check with my name on it for deposit on XX/XX/XXXX. The check was cleared by the bank and deposited to my savings account. XXXX then asked me to take out {$15000.00} cash and wanted $ XXXX in XXXX gift cards. So I did that and sent him the codes on the back. The remainder $ XXXX was sent at a later date, also with gift cards. Days later, XXXX tells me that the check was returned with my account frozen. XX/XX/2021, I was due my monthly payment for XXXX XXXX XXXX from the VA and those checks go to my XXXX account. When It was deposited, my account being frozen prevented me from accessing those funds. I have a total of {$3800.00} in that account that I can't touch because it goes toward the amount of the returned check, which after the $ XXXX cash left $ XXXX negative balance. XXXX has informed me that my account has been assigned to specialist to investigate the fraud but I haven't received any notice since. USAA has terminated their banking services with me. And XXXX XXXX has closed my fraud claim and my accounts with them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11222
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Notice to Agent is Notice to Principal and Notice to Principal is Notice to Agent BILLING ERROR ; REQUEST FOR DOCUMENTARY EVIDENCE I wish to clarify a billing error which I have reason to believe and do so believe has been delivered to me in accordance to 12 CFR 1026.21. Please provide me the Documentary Evidence pursuant to 15 USC 44
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89107
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: USAA FSB Contact XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$140000.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33127
Submitted Via: Web
Date Sent: 2021-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A