Date Received: 2021-10-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX i contacted USAA to update my payment history. USAA is reporting inaccurate and incomplete credit information. The credit report from all three bureaus show a history of payment or payments being made late that are not proven and are incorrect. Furthermore, The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By USAA reporting inaccurate information without my written consent first, they are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974 ; Pursuant to all the facts I stated above, Ive forwarded written instructions as to what I, a consumer in fact, want removed from the my credit report as well as an updated payment history. I am demanding Deletion of inaccurate late payment history from all consumer reports and a Change of all payment history to paid as agreed or on-time I also DO NOT authorize any automated response or e- Oscar verification method.
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: 2021-10-02
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: This is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I do not remember ever having a legal obligation with this company nor do I believe one exists. Please examine the way USAA SVG BK ( account number:XXXX ) is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I would highly appreciate it if you block these accounts from reporting immediately. Failure to comply with the request should result in the immediate deletion of the items in question.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: IN
Zip: 462XX
Submitted Via: Web
Date Sent: 2021-10-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was a victim of fraud while banking with USAA. They did absolutely nothing to help me and then upon their investigation which they told me nothing about, decided that I was to blame. They proceeded to lock my accounts but left them open for credits ... .meaning money could come into the account but not come out. Also, I did not have access to even look at my account. I banked with USAA for eight years with no problems at all. Someone was depositing fraudulent checks in my name via mobile deposit. A short time before this happened I was in a bad car accident which left me injured, confused and without my purse containing my wallet, my debit and credit cards and some very important information such as my login information. These sensitive financial items were in my possession that day due to a situation that day where I was handling some business and would need to log into my mobile app. USSA has known policy of zero liabilty in referrence to a member not being held liable for fraudulent activity within their accounts. Meaning USAA would provide a credit for monies lost via fraud. After I reported the fraud to USAA employees USAA provided credits for the ATM withdrawals but then put them on hold causing my checking account to be severly overdrawn. When I called to inquire about my account I was passed to the security team of USAA who then began to accuse and berate me and blatantly expressed that they thought I am a liar and that I scammed them by depositing the checks via mobile device. I told them several times that I did not do this but it was as if they cared so little that talking to me at all was a bother. They then told me that they were going to excercise their right to refuse business with me. At this point I was so appalled that I agreed about not wanting to do business with and asked them to close my account after giving me the money that was originally in my account. They told me I would have to wait until they had finished their investigation and until alll the transactions had cleared. The only transactions that hadn't cleared, mind you, were the holds that USAA put on the " coutesy deposits for reimbursment of the fraudulent atm withdrawals.They were extremely rude and I found myself on the phone with them everyday for hours each day. I am a single mother of two young boys. We have no family or and real friends and I literally raise them alone. I am also XXXX suffering from XXXX and XXXX XXXX. I collect social security XXXX for this XXXX XXXX.I expressed this and the fact that my monthly check would be sent to my account concerning this matter. They informed me that I would need to change my direct deposit because my account would reject the payment. So, I opened a new bank account after fighting with every employee at USAA. I realized immediately that it was a bit late in the month to change my direct deposit. I was terrified of my payments being deposited into that accout because I wouldn't have any access to my funds. This is very scary for me because it's all the money my children and I have to survive in this world. USAA didn't care and today... .today I noticed a change and sure enough my social security checks had been depoited despite my efforts. I dug in and fought with usaa. I called social security and asked them for help, I also tried to look for resolution through XXXX and the advice of assossiates who are. Usaa has expressed to me that they did that grimy stuff to recieve payback for the fraudulent activity. I think it's pretty sad when a bank... ..a bank with unlimited funds nees to take {$1800.00} from a single mother. They had no reason to do that. They also stopped talking to me and giving me the information I would need to do some. They puposely tried to make me feel very low and worthless. They had still yet to offer effective resolutions or advice. They did all of this without my knowlege or approval.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60540
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: I originally received a phone call stating that my account has been put on hold because of possible fraud activity. The supposedly person on the the phone from USAA stated that a purchase was declined because of suspicious activity. The person on the phone stated that someone in XXXX Florida attempted to buy a 75 inch curved tv. They advised me that they would send a new card out within 3 business days. The following night i started receiving push notifications from my smart phone from the USAA app stating the information on my profile has been changed and updated without my doing or knowledge. I instantly called USAA informing them of what was happening. The USAA representative took notes and walked me through the process of updating my online login information. After my login credentials was updated. I noticed that my information was still being updated without my consent. I called USAA again explaining what was going on. The representative took notes and said that my account was under investigation by the fraud department. Later I noticed that XXXX XXXX dollars ( 000 ) was deposited into my account via mobile deposit, and transferred to a unknown account that was added to my account without my consent. USAA said that after the investigation of the deposit they did not find any fraudulent activity because it looks like I logged in from my account and made the deposit. As I explained over the last few days of events to USAA what was taking place nothing was done to prevent this on their end, USAA has not done anything to assure or protect me as a 8 year member with multiple accounts. Now my account is XXXX plus in the negative when I was just payed today. I am XXXX XXXX XXXX and USAA is my main bank account and bank that has my money. USAA told me today that I am responsible for paying the negative balance and that the fraud case was closed. Even after me explaining as these fraudulent activity was happening due to USAA lack of security and urgency. USAA HAS LET ME DOWN AS A CUSTOMER AND MEMBER. This very situation can effect my credit and ability to provide for my family.
Company Response: Company believes complaint is the result of an isolated error
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: Recently, I paid for my mother in laws funeral and was double charged. It's been over a week now and USAA still has not fixed my account. I have direct deposit and the money is getting eaten up by the overdrawn account. My account has been overdrawn by over {$5700.00} since XX/XX/XXXX. USAA admitted this was an error on their end but everyday they give a different refund timeline. At this point all of my payments are behind and at risk of disconnection. I have even escalated this issue to their CEO relations team and they have refused a temporary credit even though they know funds have been released by the 3rd party bank.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have a history of usaa doing shady practices on my account. I have a scheduled transaction on my account every pay day. Usaa decided to do the transaction a day early when my funds were low and hit me with a {$30.00} fee. This was a scheduled transaction! I feel this isnt right and I hope usaa fixes it, refunds the fee.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: USAA has been sent documents relating to this for the past 6 months and still chooses to report 2 accounts on my credit on XXXX that arent mine. I want these removed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80521
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I OPEN MY ACCOINT YEAR XXXX JOINT ACCOUNT WITH FAMILY MEMER XXXX AROUND XX/XX/XXXX OR A LTTLE EARLIER MY ACCOUNT WAS FROZEN AND THEN I WAS TOLD IT WAS GOING TO BE CLOSED! FIIVE MINTUES LATER AFER CALLING TO FIND OUT WHAT WAS GOING NO AFTER I ALERTING USAA BANKING OUR COMPUTER HAD A VIRSE AND HAD BEEN HIGHJACKED. AND PROVSAL CREDIT FROM USSA ON A DISPUT OF {$450.00} AND {$170.00} WTH XXXX XXXX GOT REVERSE LEFT MY ACCOUNT IN NEGATIVE STATUS AFER DOING RESERARCH I CLEARED THE NEGATIVE ACCOUNT AFTER THAT SOME IDENTITY SOMETHING HAPPEN NOT SURE HOWEVER I LEARNED MY ACCOUNT WAS {$1500.00} DOLLARS NEGATIVE XX/XX/XXXX XXXX A PURE MISTAKE OF A DUPLIC EDD UNEMPLOYMENT CHECK BY MISTAKE I STILL HOLD THE CHECK THAT SHOULD HAVE GOTTEN DEPOSIT. BUT DUE TO RACIAL PROFILING AND I BELIEVE I DID NOT RECEIVE THE SAME CURTOIUS A XXXX XXXX PERSON WOULD HAVE THEN I WAS NOT ABLE TO DEPOSIT THE RIGHT CHECK IN TO THE ACCOUNT THEN THIS CASE TURN INTO IDENTITY FRAUD. BUT BEEN WITH THEM FOR 4YRS NOT BEING ABLE TO HAVE ACCESS TO ACCOUNT LEAVES US IN A VULNERABLE SITUATION OF NOT KNOWING WHATS ACTUALLY GOING ON WITH MY ASSESTS AND NOR CAN I PAY NEED NECESSARY BILLS FOR MEANS OF LIVING THANK YOU HIGHY RESPECTABLE VETERAN
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94605
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/21 I received a notification in my email that I added a recipient for XXXX that I did not add. Then there was a transfer out of my account for {$250.00} to this person ( XXXX XXXX ) I called USAA immediately and said I did not complete or authorize this transaction, the representative found another unauthorized transaction approx. 7 days prior that I received no notice of. It was another XXXX account ( XXXX XXXX ) again for {$250.00}. I told USAA that I DID NOT AUTHORIZE NOR WAS I AWARE OF THIS. I never sent these payments and I have no idea who these people are. I asked what I could do to secure my account and I was told " change my username and password ''. Then, a few hours later, my husbands ( same account ) information was used- it was not his email that was used- and he was fraudulently registered on XXXX and within 2 minutes, money was sent to XXXX XXXX ( we don't know who this is and my husband has NEVER used XXXX ). In fact, he was sitting next to me on the couch when USAA said this transaction was made!!! We did NOT authorize this and we have no idea how our accounts could have been hacked. I contacted USAA again and we submitted another fraud claim however we were told yesterday XX/XX/21 that our EFCM claim was denied! How is this possible!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2021 I made a mobile deposit of a little over {$25000.00}, the app indicated {$400.00} would be available immediately and the remainder would be available XX/XX/2021. I checked to see those funds were in fact released.and they were not, when I called.suddenly the hold was until XX/XX/2021, a day later than I had been told at the time of the initial deposit, with out reason or warning. I was planning to use this money today to buy a vehicle for {$7500.00}, which I can not expect to be held for me, and is deeply below value for.the vehicle. If it should be sold, I'll end up paying over {$11000.00} for a lesser model.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85224
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A