Date Received: 2021-10-07
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: USAA XXXX received payment for an outstanding Mastercard credit account balance on XX/XX/2021. The bank took payment for the account settlement and is refusing to provide documentation to myself that the account has been settled and the agreed to balance paid in full. I have called multiple times over the almost two week period since the settlement and they are doing nothing to provide the appropriate documentation of our transaction.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IA
Zip: 502XX
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent me a secure link to pay him but it never said XXXX XXXX XXXX XXXX I had made a contract with XXXX XXXX XXXX XXXX XXXX XXXX and that is where I was suppose to had sent the money. {$1000.00} Neither XXXX XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX provided me with any services. I filed a dispute on XX/XX/XXXX with my bank USAA against XXXX XXXX and the {$1000.00} payment. I also filed a complaint to the Alabama bar association on XXXX XXXX law firm on XX/XX/XXXX. I called Attorney XXXX many times and got no response. I have contacted Usaa bank a number of times about this dispute. Usaa initially issued me a temporary credit for the funds but now has reversed the credit. I asked Usaa bank to reopen the dispute because I never had a contract with XXXX XXXX who I mistakenly sent the {$1000.00} to. XXXX XXXX XXXX nor the XXXX XXXX XXXX provided me with any services. I asked the Usaa bank to take another look at the dispute today. XXXX with the executive resolution team said that she resubmitted the information and asked that I be provided with copies of whatever XXXX XXXX XXXX XXXX provided to Usaa bank. The issues is clear. I never made a contract with XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX never rendered any services to me. XXXX XXXX XXXX was who the contract was with and XXXX XXXX XXXX did not provide any services to me. This is what is in dispute and the cause to have all funds reimburse. Usaa is refusing to take a complete look at the contract to see who was in fact under the contract and who the funds were to be paid to and what service was to be rendered. Regards, XXXX XXXX
Company Response:
State: GA
Zip: 30019
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I recently had {$600.00} in fees! From charges I did not authorize and I try and contact them and the wait time is usually 40 minutes or more on the phone. I have signed up for no overdraft fees. Yet they just hit me with {$600.00} in fees. They let several items hit 3-4 times a piece and at {$29.00} a shot!
Company Response:
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have had my card compromised several times this year on both my son 's account.and now have had to send me out a new debit card several times... And because of the fraud activity.. they froze my accounts and won't let me access my account with my money that is mine. I need my money
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Usaa bank put my account in review and said they would be closing my account in 60 days. My money in my account have been frozen for 60days now and when I called to report it's been 60 days they still won't close and release my money.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92392
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I XXXX XXXX XXXX, Federally Protected Consumer under TITLE 15 UNITED STATES CODE, Natural Person, Original Creditor am submitting this complaint myself and there is no third party involved. On the morning of XX/XX/2021 @ XXXX called USAA Financial Bank in which they have had an account with me for almost a decade. I spoke to a representative named XXXX EMPLID : XXXX and told him I was the administrator of said account and I need a Visa signature credit card and I got read disclosures for it. XXXX proceeded to tell me he needs my permission to pull a credit report from the three ( 3 ) Credit Bureaus. I told him he does not have permission to get inaccurate information about me and my character from entities who are dead in the eyes of the law. As per The Equal Credit Opportunity Act, I am the Credit/Creditor 15 U.S.Code 1691a, I began to read the law as per The Fair Credit Reporting act of 1974, 15 U. S Code 1681 ( a ) ( 3 ). It is my grave responsibility to deny an unfair and deceptive report that will clearly bare illegal, false and inaccurate information. I let him know I will give an accurate report and XXXX proceeded to tell me that is not policy, it has to be from the three ( 3 ) bureaus. I taught him the law and asked was my call not legitimate for this institution who is in business because of me. I asked to be transferred to someone competent in their job who can fulfill my request which is what the bank is obligated to do. I assign the tasks and the bank is the obligor delegated to perform whatever duties to the trust. I was then transferred to XXXX from the Executive Resolution Team, EMPL ID : XXXX. This supervisor put me through the same scenario I just got transferred from. He, like XXXX would not hear of Consumer Financial Protection and violated all of my protected rights as the Consumer by discrimination, 15 U.S. Code 1691 ( a ) ( 3 ). By the preponderance of evidence presented to the representative for reasonable procedures to assure compliance 15 U.S. Code 1681m ( c ), nothing was done to rectify their negligence because they do not care for the law or how their negligent inaction severely debilitates everyday life for the PROTECTED CONSUMER. As per The Emergency Banking Act of1933, this law was passed on XXXX XXXX which states it allowed the twelve federal reserve banks to issue additional currency on good assets, so the banks that reopened would be able to meet every legitimate call. In Supervisor XXXX own words, these supposed laws have no standing on the institutions policies and will get researched by their research team that will contact me in 3-4 business days. I wanted to know who his superior was and he was extremely unhelpful and only gave me a name which is XXXX the manager. When covid-19 happened, I never got a chance to start working. I soon became pregnant and have not worked and decided I will open an open-end consumer credit plan to help with personal, family and household purposes. My children need clothes, food, a roof over their heads and this bank keeps denying me my own credit. This has caused irreparable damage to my life and the lives of my children. Banks can not loan credit because they are not allowed to have credit UPDATE : as of XXXX XXXX, i recieved an email that their reseaerchers were researching the laws and what happened when i called. i have not gotten any other correspondence since then. REFERENCES : 15 U.S. Code 1602- Definitions and rules of construction : ( b ) Bureau- The term Bureau means the Bureau of Consumer Financial Protection . ( e ) The term person means a natural person or an organization. ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of propery or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. ( h ) The term credit sale refers to any sale in which the seller is a creditor. The term includes any contract in the form of a bailment or lease if the bailee or lessee contracts to pay as compensation for use a sum substantially equivalent to or in excess of the aggregate value of the property and services involved and it is agreed that the bailee or lessee will become, or for no other or a nominal consideration has the option to become, the owner of the property upon full compliance with his obligations under the contract. ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. ( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. ( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. ( n ) The term cardholder means any person to whom a credit card is issued or any person who has agreed with the card issuer to pay obligations arising from the issuance of a credit card to another person. ( o ) The term card issuer means any person who issues a credit card, or the agent of such person with respect to such card. ( q ) The term discount as used in section 1666f of this title means a reduction made from the regular price. The term discount as used in section 1666f of this title shall not mean a surcharge. 15 U.S Code 1681 : Congressional Findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING ( 1 ) The banking system is dependent on fair and accurate credit reporting. Inaccurate credit reports directly impar the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681a : ( d ) Consumer R eport. ( 1 ) In general- The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for. ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( F ) A Consumer Reporting Agency. The term consumer reporting agency means any person who, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and who uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. Credit Score. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report Does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or 15 U.S. Code 1681b : ( a ) In General- subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) Court Order, a subpoena issued in connection with proceedings before a federal grand jury in accordance with section 5318 of title 31 or section 3486 of title 18 ( 2 ) In accordance with written instruction from the consumer to whom it relates. 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( 4 ) Certain adverse information A consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information, unless ( A ) the agency has followed reasonable procedures to obtain confirmation of the information, from an additional source that has independent and direct knowledge of the information ; or ( B ) the person interviewed is the best possible source of the information. The Consumer Financial Protection Bureau has full authority to regulate according to DODD-FRANK WALL STREET REFORM & CONSUMER PROTECTION ACT of 2010 subtitle B [ 12 U.S. Code 5511 ] 15 U.S. Code 1681s : ADMINISTRATIVE ENFORCEMENT ( b ) ( 1 ) - Enforcement by another agency- Consumer Financial Protection Bureau ( A ) section 8 of the Federal Deposit Insurance Act ( 12 U.S. Code 1818 ) by the appropriate federal banking agency as defined in section 3 ( q ) of the F.D.I.A ( 12 U.S. Code 1813 ( q ) with respect to any national bank or state savings association , and any federal branch or federal agency of a foreign bank.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10455
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/21 I deposited 3 money orders ( guaranteed funds ) to cover a payment that is coming out of my account by my apartments. At no time was I told via the mobile deposit ( which I was forced to do, do to USAA 's remoteness of deposit taking atm 's ) that there would be a hold placed on my deposit. When I called and spoke to a representative and explained the circumstance I was told there was nothing they would do. I explained the peril of XXXX and the ease USAA could take to verify the funds and offered to provide a copy of the money order receipt was still told " to bad so sad '' It seems USAA would rather have a XXXX veteran instead of releasing funds.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85745
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XXXX XXXX, received a text that my debt card to an account that I am listed on with my son, had been used to try to send money to someone in the amount of {$1000.00}. After contacting my son to see if it was him, he said that he didn't but he had received an email from someone who was claiming to be his XXXX. and that she was paying him for helping her move and sent him a check via email and when he clicked the email link is when I received the text notification and a deposit of {$5000.00} was made pending into his account. We immediately contacted USAA to inform them of what had taken place and was asked by the agent if either of us had tried to send a XXXX transaction to someone named XXXX XXXX in the amount of {$1000.00}, to which neither of us knew nor did we attempt to send that XXXX transaction, in fact neither of us even knew what a XXXX was. The agent then advised that she would put in a request to stop the transactions, both the {$5000.00} pending deposit and the {$1000.00} withdawal, due to it being a fraudulent attempt and with it being Sunday and the bank being closed on that Monday due to a holiday that it would be Tuesday before the Fraud dept would contact us or be able to do anything.So we waited until Tuesday but didnt hear or receive a response. So we called back on XX/XX/XXXX, when we saw that the transactions were still pending, and was routed to the fraud department and explained everything again. The agent told us that he didn't see where my son 's phone was hacked nor the account and that if either of us ever tried making a deposit in that amount again through email then they would no longer do business with us, inspite us explaining to him that the transaction had to have been a result of a phinishing scam when he accessed the email. The agent still made it seem as if this was done by XXXX and was making us out to be at fault. He then said that he would try and get to the bottom of it and asked if we could provide the email addresses that the transactions came from and we did that, he then told us that the account would remain in hold status until the money ( {$1000.00} ) was put back into the account and they would look into the incident. on XX/XX/XXXX my son received an email stating that the case was closed due to no fraud detected and then they went into my husband and my personal account and transferred the money to our sons account to bring it current without any notification whatsoever. Called back on XX/XX/XXXX to follow up and was told that the case was closed but they would reopen it because once again I had to explain the whole situation all over again and was told by this agent that a request to reopen the case was submitted. Called back on XX/XX/XXXX and spoke to the fraud dept. and was told that the case was closed on XXXX ... .at this point I am more than furious at the lack of assistance and this situation being resolved. I was then transferred to the XXXX XXXX dept. and had to once again explain the situation over again and the agent was not understanding why more wasn't done to have the looked into and said that she would open the case for further evaluation and was given a case # XXXX to refer to and then a few days later I received a letter stating that the case has been reopened and that they would be investigating to see what can be done and that since all of this started XXXX XXXX users were issued a security alert that their phones could be accessed and the hackers could get in and attack their accounts, but still nothing as far as help from USAA. Called back today XXXX and was told that on XX/XX/XXXX the case went from the dispute department back to the fraud department and on XX/XX/XXXX once again, stated that no fraud was found and was sent back to the dispute department on XX/XX/XXXX and closed. I tried asking the agent if USAA operates under the Federal Reserves and is this not covered under the Regulations that protect consumers from fraud, she put me on hold and cut off the line. It is an absolute shame that my son is trying to serve this country and get no help when something like this happens.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 38801
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: USAA closed a checking account that Ive had for 15 years! I, XXXX XXXX, am the consumer original creditor, natural person pursuant 15 USC 1692 a ( 3 ). I extended my social security credit card to open up this checking account which authorizes me as the original creditor/ account holder. Closing this account without written instruction of the consumer, myself, is a violation of 15 USC 1681b ( a ) ( 2 ). This is also a breach of my privacy and is discrimination! Due to financial hardships which i conveyed to USAA i have no money. Pursuant to FCA - Financial hardship is not grounds to close a persons checking account without their permission. Pursuant to Federal Law 15 USC 1681 ( n ) ( a ) i am invoking specified remedy as a consumer. I demand my account be reopened with a positive balance. I am willing to settle outside of court but if my demands are not honored and fulfilled. I will be invoking specified remedy as a consumer demanding monetary relief of {$5000.00} for damages, defamation of character, violation of privacy, my rights as a consumer and the erroneous reports that hurt my credit worthiness as well as raised the cost of credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30223
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: USAA closed my checking account without my knowledge or written consent. I expressed on multiple occasions that i am currently experiencing financial hardships yet they had no remorse. USAA violated the following : Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 49 USC 306
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30223
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A