Date Received: 2021-09-15
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My irs economic payments... all of them 4? I believe 4 payments were distributed from covid all went to a usaa checking account not belonging to me, ultimately, i never got access to the money how can i get this issue fixed im low income no insurance just got hired need money very bad. Called irs after each payment was due to be released in efforts to reroute to my correct routing account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32533
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XXXX I opened two secured accounts with USAA. One being a Secured Visa account ; the other being a Secured XXXX XXXX Account. I was using the cards responsibly paying my obligation monthly. In XXXX, unfortunately, I had medical issues that forced me into the hospital- not having the proper assistance, these accounts went into default. USAA used the monies that secured these accounts though an outstanding balance was left. USAA began reporting these collection amounts to all three major credit bureaus. # 1 ). I do not feel I owe these amounts and have inquired with USAA regarding them. I continue to get the run around. Once they sent documentation which explained nothing. # 2 ). Both accounts are being reported to all three major credit bureaus incorrectly and inaccurately. I have attached an Identity IQ credit report that I purchased for your review. Dates are not consistent, why are they reporting a credit limit on a closed account, high credit amounts are incorrect/inconsistent, date last active and date of last payment are not consistent. Refer to payment history. XXXX is reporting nothing, XXXX is reporting monthly charge offs and XXXX is reporting that the accounts are being paid as agreed. WHAT?? INACCURATE/INCORRECT/POOR BEST PRACTICES. I have been disputing these accounts with both the bureaus and USAA. I am being told they are verified/validated as being correct. HOW??? what is there verification methods. I spoke with USAA just last week and the woman in the collection/dispute department told me that USAA does not correct credit bureau reporting ... .that is only done by the bureaus. WHAT?? This could all be resolved if USAA would just remove these tradelines from all three credit bureaus. I've suffered with this since XXXX. XXXX is enough please.
Company Response:
State: IL
Zip: 62234
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: 1st issue : My account became linked with a third party, someone named XXXX XXXX whom I do not know nor requested, in XX/XX/2021. Problem was resolved but without explanation of how it occurred or reassurances of account security. 2nd issue : My account suddenly became " locked '' without notice due to what I was told were " federal regulations '' requiring me to prove my physical address. I was unable to use or access my account in any way. I was asked to send in a copy of a recent credit card statement as well as my ID, which I did. I faxed the documents and rep claimed they were too blurry to read. So I mailed them. They were received on XX/XX/2021 and I was told that I would regain account access upon review. I then received an email on XX/XX/XXXX stating that my review for identity verification was complete and all was well, however I have still not been able to log into my account. I called again today to clear the matter up and was told their records showed that I have been a member for 14 years, which I have not. I only just opened the account in XX/XX/2021. Then I was told that there was no record of my checking or savings account, so no monies in the account could be returned to me. I was asked if I thought my account could have been hacked. I would not know from their end if that is the case. No other identity theft has occurred in any other of my accounts. Clearly USAA is not safegurading my saftey as a customer. I have requested that the accounts I had with USAA be closed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98056
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
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: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-12
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: USAA signature Credit card account was open XXXX XXXX for the approve credit line for XXXX dollar. USAA credit card is not report none on credit report XXXX, XXXX XXXX and XXXX credit reports. I have sent faxes to all 3 credit bureau to dispute this issue.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46214
Submitted Via: Web
Date Sent: 2021-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-11
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX on this year.usaa isclosing my account and are refusing to close my account until 60days and I don't owe them anything. I can't pay my bills or feed my family. I am a XXXX XXXX veteran. And this is crazy.can I please get help
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2021-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-11
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: The CFPB needs to investigate whats going on via XXXX and every financial institution thats pushing this service to customers. First, they are hiding from consumers & customers that, its extremely unsafe, they are not reporting how much of that 1 billion they boasted about was fraud, scams. Instead, you see this, XXXX XXXX Exceeds One Billion Payments in 12 Months, Setting a New Record for the Payments Network. No where does it say, 4.5 billion in payments were sent to U.S. small businesses in Q3, an increase of more than 30 percent from the prior quarter. It goes on to say, and this is all on the XXXX pay website itself, We continue to grow our network, welcoming financial institutions of all sizes. Today, more than 1,000 banks and credits unions are currently contracted to participate on the XXXX XXXX, including 731 that are live today and processing transactions, said XXXX XXXX, CEO of XXXX XXXX XXXX , XXXX. XXXX is available to more than 140 million consumers in their mobile banking apps or in the XXXX app, and is used for the most important life essentials such as sending contactless payments to local businesses and money to friends and family in need. Consumers have increased their use of XXXX significantly in the past 12 months, adopting the service for an evolving set of use cases. In its recent XXXX Consumer Payment Survey, the XXXX XXXX found that nearly three-quarters of consumers surveyed were most likely to use P2P services to provide financial aid to friends and family since the onset of the COVID crisis. Still, nothing about fraud, or fraudulent scams. XXXX site says its Partnerships Help to Increase Digital Financial Literacy. Then it talks about XXXX XXXX XXXX XXXX XXXX. Who ultimately owns/runs XXXX XXXX XXXX And then says XXXX XXXX XXXX XXXX XXXX is a XXXX XXXX owned by seven of the countrys largest banks. For almost three decades, our identity, authentication and payment solutions have been empowering financial institutions to make confident decisions, enable payments and mitigate fraud. Today, XXXX XXXX is best known as the owner and operator of the XXXX XXXX, a financial services network focused on transforming payment experiences. The combination of XXXX XXXX risk and payment solutions enable the financial services industry to move money fast, safe and easy, so people can live their best financial lives. Did you see anything about the amount of fraud and scams and innocent people being robbed via XXXX? No. Go on XXXX XXXX or XXXX, and see what is happening. Read the cases and complaints. No one knows who Early Warning is so, I think thats confusing to customers as well. They see XXXX so, why would they XXXX XXXX XXXX? You have to search and dig to find the information that we are not being shown or given. Then, theres misinformation and a picture being painted by XXXX that this is safe. Businesses and small businesses and XXXX banks, etc. Nowhere does XXXX say, 5 million of that 1 billion is fraud. XXXX has a webpage to report fraud. In which they state, we take fraud very seriously. Thats a lie. Ive filed over 4 fraud claims via their site and nothing. Outside of the standard system generated email, I got nothing. No calls, no emails, no nothing. They dont care. Two, bank customers are being given a false sense of security because its your bank pushing this feature and you use it inside your banking app. Youre safe inside their secure banking portal. You dont go to a third party website, you dont get a USAA pop up warning you are now leaving from USAA.com. Three, you are not told that your money is not protected if anything goes wrong. If I had been told, been given this information prior to using it for the first time, I WOULD HAVE NEVER used it. Youd have to be stupid to use it, if you did, after being told the Real Facts. Four, no one really seems to know what the facts really are about the app either. Ive talked to multiple people at USAA and Ive been told various things, some being, apparently and conveniently untrue. Not to mention, If you signed up months, weeks or years ago, you do not get disclaimers sent to you nor, do any pop up when you do go to use XXXX. All that stuff from when you signed up, doesnt come up ever again. In USAA banking website or app, you select pay with XXXX, which is ALWAYS on your screen, you enter your cell phone number. You then get sent a PIN code to enter, you enter it and a blue USAA screen comes up with three options. Send, Receive and Request. No warnings saying that XXXX will refuse to help you if youre money is stolen. No warning saying USAA will not help you either is anything goes wrong. USAA nor XXXX is giving users the warnings that they should be. They know if we were told the truth, then no one would use it. I found it interesting that USAA will help you if it happens unknowingly but, not the other way around. Fact is, CFPB needs to step in and investigate, regulate and go after every bank using and owning XXXX. They are hiding the amount of fraud occurring eith their app because, as USAA said to me, its in high demand. Not, we shouldnt use it anymore, its we know whats happening but its in high demand so, we dont care. They also advised me to go to police or courts and I did talk to a detective and beings this is theft/fraud over {$1000.00} its a felony and the banks are accessories and accessories after the fact to a felony. By XXXX refusing to even call me, refusing to return the funds, they are committing a felony. They are not only harboring a felon but, they are enabling all people no matter whether you know them or not, to steal money rampantly without any consequences. Also, that includes USAA. USAA is an accessory to a felony, and an accessory after the fact, as well. Ive spoken to FDIC, too. FDIC says, clearly that Checking Accounts are insured. USAA insures my Checking and Savings accounts up to the standard {$250000.00} according to the FDIC. Regardless of how my {$1100.00} came out of my USAA Checking Account, that account and my money in it, is insured. The FDIC does not insure the following : money invested in stocks, bonds, mutual funds, life insurance policies, annuities or municipal securities. USAA needs to return the money stolen from my USAA checking account. Then, USAA can subrogate to get their money bank from XXXX. Maybe then, if USAA stood up and did something, this kind of stuff would stop. Refusing to do anything when a crime has been committed is wrong. Those 7 super rich banks that own XXXX can afford to return those funds. XXXX also needs to take the money back from the receiving bank that Stole my money and they are protecting. Then, it would stop. Right now, the site is still up, and they are going to befriend someone else and weeks later, steal their money because they know XXXX wont do a thing about it. I have asked multiple people from strangers to neighbors and friends, if their bank offers XXXX. All but one said yes. I then asked if theyve used it and, all but 1 said no. Then, I asked them if it was safe? All, but the one whose bank didnt offer XXXX XXXX said, of course it is, my bank wouldnt offer it if it wasnt. Or, it should be, its inside your account, youre fine. Little do they know, thats not true. USAA needs to please, credit me back the {$1100.00} that they know is fraud. I told XXXX from USAA that Im not going to stop sending in complaints, until I get my money back. I get one check a month for XXXX for XXXX and XXXX. I do not have the means that USAA does to get my money back. XXXX wont even call or email me. XXXX got a short email response from them and I rejected that because its another system generated email. I dont know whats in USAAs contract with XXXX but that should be also available to customers. Im getting the feeling that USAA, who pays XXXX to use their service on XXXX website and, pushes it to all USAA customers, that USAA must have agreed not to go after them if money is stolen or, is a known scam. I cant think of any other reason, a company who has stellar customers and supports the military, wouldnt give their customers their money back immediately and, not go after the perpetrator ( s ) that committed a felony?? Nonetheless, I really dont want to have to file criminal charges against USAA and XXXX XXXX however, I will if it comes to it. Please, CFPB, please open and investigation and, please regulate this app XXXX that these banks are pushing to consumers. This needs to stop immediately because Im sure, its still happening and USAA and XXXX and every other bank is doing absolutely nothing to prevent or stop it. The CFPB aims to makes rules governing consumer finance markets more effective and to create new rules when warranted. Its warranted! USAA, please refund my XXXX dollars that was stolen from my USAA checking account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21223
Submitted Via: Web
Date Sent: 2021-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-12
Issue: Other service problem
Subissue:
Consumer Complaint: My ATM card has been deactivated on the same day it was activated back after a few transactions. My husband was there helping me out trying to activate my card back. Today XXXX of XXXX, my husband told me both of his cards were deactivated as well by USAA. So he called and got his cards to reactivate back, I also was talking to the representative and raised some concerns about how my card was deactivated by their system on the same day it was activated. I was finished talking to her, she hung up on me and before she hangs up she did confirm that they will turn my ATM card back on. To me, this is very back customer service and I was very frustrated with how they emotionally abuse their customers. I got mad and I transferred some of my funds at XXXX XXXX and still, they are holding these funds against me. I am a XXXX XXXX and these activities took place after I received my funds from XXXX XXXX XXXX XXXX I do not have a job in the meantime this is my only source of income. I can not use my atm card and I can not log in to their bank system. I am reaching out to other authorities for help because this is XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 358XX
Submitted Via: Web
Date Sent: 2021-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-10
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: Over the last three months I have submitted legal documents from USAA CREDIT CARD SERVICES TO XXXX Credit reporting agency to remove negative credit from my credit report. I have filed with XXXX 14 times showing that my credit is perfect and 14 times USAA states to XXXX that I have negative credit with USAA. I have a legal document from USAA stating to all credit companies I don't have negative credit. I have a legal court date and have had contact with USAA attorney Ms XXXX XXXX. ( XXXX ) who has tried to fix this matter and has no Idea why USAA is not complying with a court order and legal document attached stating to all credit reporting agencies that I have perfect credit with USAA. I was on the Phone with XXXX today and they have the legal documents from USAA but when they contact USAA to confirm the document USAA denies the document.???? This has ruined my ability to get a home loan and employment due to my credit is XXXX and and it has been at XXXX for 25 years. I am a retired Police Officer and live on a XXXX on the job injury. I am going to file a American Disability Act discrimination law suit against USAA if they don't contact Experian and clear this matter at one.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89012
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XXXX of XXXX, XXXX checking and savings accounts were open online fraudulently under my name with your bank, USAA. This is a military bank and I am not in the military and nobody I know is in the military either. I discovered these fraudulent accounts this year, XXXX, during the month of XXXX, when I received my XXXX XXXX report by mail. I got denied the opportunity to open a bank account, and the situation became suspicious to me because I do not owe a XXXX to any bank institution. I checked my other reports from the main credit bureaus as well as XXXX, and there is no information available about these fraudulent bank accounts. I filed police reports, I filed a report with the Federal Trade Commision and I notarized an affidavit already ti submit to you, but despite the fact I have called you 4 times already, trying to resolve this situation, I keep on getting transferred over from department to department. Your bank doesn't seem to care about my identity theft situation and your negligence is extremely abusive. I have asked every single representative I have spoken with to please provide me with the name and number of the person in charge of my case to submit all the required documents to clear my name with XXXX XXXX, but you keep on making up excuses and you keep on telling me to wait for an email or letter, which never comes. I am sick and tired of waiting for you to " attempt '' to resolve this situation and you do absolutely nothing about it. I have the right by law to be able to provide to you a notarized identity theft affidavit and police reports about this incident. According to the FTC, YOU MUST CLEAR MY NAME AND/OR BLOCK THE FRAUDULENT ACTIVITY FROM MY XXXX XXXX REPORT. I need resolution once and for all from your end. You must provide me with exact instructions on how to submit this documentation to you and the name and direct phone number to a manager in your Risk Management department who is handling my case. I am complying with the law by doing everything I am being asked to do to clear my name, and to have the ability to receive copies of all the fraudulent activity under my name, therefore I expect you to comply with the law as well. It just seems extremely negligent on your end to approve 11 accounts opened within a day or two. You have not even bothered to call me or send me an email with information pertaining this case. I need a response from you with the exact steps on what to do NOW!!! I AM SERIOUSLY ASKING YOU TO TELL ME EXACTLY HOW TO SUBMIT MY FTC REPORT, MY IDENTITY THEFT AFFIDAVIT AND MY POLICE REPORT. I would like to resolve this matter directly with you, before I take it a step further. I expect your email or your phone call within the next week. ONCE I SUBMIT MY NOTARIZED AFFIDAVIT TO YOU ( WHICH CONTAINS MY LOCAL LAW ENFORCEMENT CONTACT INFORMATION ) AND MY LETTER FROM THE FTC, YOU MUST CLEAR MY NAME FROM THE XXXX XXXX REPORT AND I EXPECT A CLEARANCE LETTER SPECIFYING I HAVE NOTHING TO DO WITH YOUR BANK. I AM NOT IN THE MILITARY! Thank you XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 79912
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A