Date Received: 2021-09-24
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/2021, I submitted an auto payment to USAA one day before the scheduled due date where I have an automatic payment plan. I received a pop-up that read " You are currently on an Automatic Payment Plan. By continuing, your next draft will be reduced by the amount of this payment. '' On XX/XX/2021, USAA took another {$900.00} from my account, which immediately placed me in a situation where I wouldn't have enough in checking to cover my weekly obligations. I called USAA on XX/XX/2021 to resolve this issue only to be passed around to different offices. I finally reached the loan department where the operator informed me that USAA starts processing these debits up to 4 days in advance so payments made within that window will be treated as an extra principal payment. I find this highly deceiving as the pop-up that I received did not mention this. Had they, I wouldn't have made this payment. If the USAA web administrator would simply add this note to the already existing warning, I'm sure that it would serve their customer base well and not put them in situations where they couldn't pay their bills. USAA further tells me that there is no way to return the money despite my checking account being USAA with the payment still in " pending '' status. When I told the loan department that I wasnt satisfied with the resolution, I informed her that I would like to dispute the charge. She told me that she would have to transfer me back to the banking department. After transfer, I waited on hold for over 40 minutes before finally hanging up. I later reviewed the Consumer Loan Note Disclosure and Security Agreement and Authorization Agreement for Preauthorized Loan Payments signed on XX/XX/2021 and there is nothing that warns the consumer that payments made within the 4-day window of automatic payment will be ignored. I have been a USAA customer for almost 20 years and have many vested interests through them, I thought that they would be willing to help a lifetime customer.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 62269
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: USAA has not reported my credit history for my credit card that I have had for the last 9 years. I asked them to begin reporting my credit card and payment history and they have not.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11103
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I've been a customer for over four years with USAA and my checking and savings account has been restricted where I could not access it and it's been restricted since XX/XX/XXXX which is still restricted in the year XXXX my savings and checking account solo has nothing to do with my joint account due to the fact the joint account got compromised and USAA reversing credit reversing credits that they already had the investigation work on and allow the credit before I take it back I have no access I had already notified them of the spine we're fine we're meeting that computers are being hijacked by cyber which mine have I also told him that someone forward my general homeo somewhere else as well as hijack my telephone number I'm the victim and I can't get access to my money that I need right now they told me that the investigation will be done on XXXX XX/XX/2021 and he still not I'm still locked out
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94605
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: To whom this may concern, On Tuesday, XX/XX/2021, I sent a wire transfer of {$750.00} via XXXX. To a merchant ( someone I knew ) to transport my vehicle from XXXX to XXXX. The merchant and I set a date for the vehicle to be picked up from XXXX. On that day, the merchant stopped answering my calls/ text messages and I never received my vehicle or money. I asked the merchant for a refund, however i did not receive a response. I was stuck having to pay another car company for the transport and out of {$750.00}. On Friday, XX/XX/2021, I contacted my bank where the XXXX was sent from which is USAA. To report a fraud claim and have the funds returned. I was notified by USAA that the funds could not be returned due to XXXX policy. Ive tried calling USAA to speak with mutual representatives about the situation and continue to receive the same answer. Now Im currently in a financial crisis due to the loss of {$750.00} from the merchant. Also, upset because, I thought my bank would protect me in this type of predicament.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91945
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
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: My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.
Company Response:
State: TX
Zip: 77429
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-21
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: Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95838
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect balance for this account USAA Account # XXXX. Because the balances being reported by your company and XXXX, XXXX, & XXXX are different, this means the account has not been properly verified. Charge off account showing currently showing past due. This account was paid and still showing balance. Please delete this account immediately
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78045
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My checking account has overdraft protection and will automatically debit my savings account if overdrawn. At some point USAA FSB reversed this so my savings was being protected by my checking account. My checking was overdrawn and a charge was returned to a merchant and I was charged a fee. When I called USAA FSB admitted all this but were not able to fix the problem.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am a US Service Member moving back to the states and found a listing for XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX on several real estates websites and XXXX. XXXX XXXX XXXX contacted me over email and XXXX and I signed a lease agreement and paid the first months rent and security deposit of {$3500.00}. This morning I was contacted to pay for homeowner association fees and I found a listing for the actual property manager of XXXX XXXX XXXX XXXX. They said that the unit is not available and already has tenants as well as XXXX XXXX XXXX doesn't work for them. Below is XXXX XXXX XXXX contact information. Property Management : Show rentals property My Telephone Number : ( XXXX ) XXXX ( text preferred ) Business XXXX Line : ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX License ID : XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29910
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: USAA Federal Savings Bank provided a bank check for a car purchase. XXXX XXXX XXXX XXXX dishonored USAA 's check when presented by the seller. Neither bank will tell us what happened or fix the problem. Both the seller and I ( purchaser ) have had hours consumed with fruitless customer service calls and chats.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 65203
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A