Date Received: 2023-12-30
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX I deposited a check in my account from a car dealership in XXXX XXXX, I live in XXXX, for {$8400.00} roughly. Immediately I received roughly 25 % of my deposit up front and then I waited nearly 3 weeks to receive the remaining 75 % of my check and upon receiving it after those three weeks myself as USAA 's customer of over XXXX years assumed at that point The check has been validated and cleared. Well 120 days later, a third of a year, USAA received word from XXXX XXXX XXXX Bank that they would not be funding the check. That's great between them I could care less because my responsibility as far as taking care of my end, following the rules and waiting the allotted time and beyond which in itself was a violation of banking regulation, once the banks decided to work outside of the MANDATORY BANKING REGULATION TIME FRAMES AND TIMELINES, My issue then fell directly on both banks and not with the check writer. To this day I can not get an answer as to why that check was not fulfilled nor do I care why it was or it was not because we're beyond that time frame where I have to care. You can't just call someone up a year later and tell them you're not going to fund a check. so what's the difference in calling somebody up 4 months later what's acceptable for the bank? I can tell you what's acceptable. It's what's written in banking regulation which all Banks will adhere by and follow to the T and anything outside of what is written in plain English for anybody to see is a clear and reprehensible violation which will not be tolerated and will be handled within a court of law which will provide monetary compensation for damages which I have incurred at this point many times over. Banking regulation states that the depository bank shall receive notice from the paying bank if it will or will not honor the check within TWO business days. There is a section for exceptions that states if there is going to be any sort of extension that the depository bank ( USAA ) MUST PROVIDE a NOTICE TO THE CUSTOMER explaining the reason for the hold. That NEVER occurred. That's a VIOLATION because banking regulation CC is quoted word for word MUST PROVIDE. not should provide or might provide but MUST PROVIDE. defined legally the word must means something that is necessary. You find legally the word provide means ( of a law or contract ) to state that something must happen or be done. The word must is just as important as the word provide because that means you will give me the reason why there's any sort of extended timeline I'm going to have to wait for you to validate this check and that can only be done if you suspect there is something wrong with the check. Examples would be if it were possibly a fake check, or for whatever reason you did not think it would go through. Only at that point are you legally, per banking regulation CC, allowed to then provide me with your findings as to why there will be an extended waiting period which will be provided if it is assumed that it will take any longer than two complete business days to find out from the paying bank if they will honor the check or not. These are not my rules these are the rules written that you MUST operate in and with. At the same time also written in banking regulation CC, you as a bank whether it be paying or depository also knows that there is a specific time frame which you operate in to know or say if a check is good or not and you know very well that 4 months later is not an acceptable answer. As written in regulation CC their banking regulation, it states that the paying bank shall get with the depository Bank within a reasonable time to which it then goes on to define a reasonable time as two business days. At nowhere at no point anywhere within banking regulation does it allow for any bank to go outside of those mandatory timelines that are written with the words must and will. So not only do I have an issue with XXXX XXXX XXXX Bank the paying bank but I also have one with USAA my bank that I had for XXXX years until today. Not only did they just allow XXXX XXXX XXXX Bank to break regulation knowingly but they themselves broke regulation in doing such by not providing the necessary notifications to myself that are a 100 % REQUIREMENT. in fact I received no prior notice and just had my account sitting at negative {$8400.00} and to my utmost shock and surprise, as I tried to log online to my account today as I had set up a zoom meeting with XXXX XXXX XXXX Bank to try to sort this out and right the wrongs that were done by both banks and get them monetarily where they should have been to begin with and where they were to begin with before deciding to go well outside of their legal ability to just deduct {$8400.00} from my account. I have been so stressed out over the past month trying to figure out what to do who to contact and I have probably called both banks over a dozen times sometimes getting very nice people that do their best to help me and other times running into a wall and them taking it personally as if I'm trying to steal {$8400.00} from them and put it into my account which is worth from the truth because it's exactly what happened to me. I've had to worry about if I'm going to have to file bankruptcy after XXXX years of building up what I've been able to build up and during half of that time of my entire life being spent with USAA just to try to open my account and without warning be told my account was closed just because it was sitting at that negative for XXXX weeks. Mind you I had nothing to do with that I've done nothing wrong All I did was wake up and check my account and in fact it is USAA that is done something wrong and violated rules and regulations as well as XXXX XXXX XXXX Bank but yet it is me the one who is suffering the damages not only of the stress trying to get them to correct all of this and even speaking with a lawyer located at XXXX XXXX XXXX XXXX, but I haven't even paid a single one of my many bills to include my rent because my account has been sitting at negative {$8400.00} because of clear violations that neither bank after speaking to them so many times wants to claim. Each has pointed the finger at each other and I've had it. I'm the one suffering the damages not the banks. I'm the one that's accruing all these negatives on my credit report right now due to me not being able to pay for absolutely anything in my life. I can't even afford my car or an XXXX to even get to work, food, nothing not a single dollar because I have no access to any money and I haven't now for a month And I'm being told by USAA that they have no access to my old account they can not log into my old account as I have been deleted without warning without any kind of notification after XXXX years due to something completely out of my reach or doing. My check that will be coming in this month that should be arriving today, I will not be able to receive now for XXXX knows how long because I don't even know where it needs to go at this point since my bank account is closed pushing back the dates that I have already called and given to all the other creditors once again just to add on to my stress as creditors are only going to believe so much and I don't blame them. I can't even explain to them what's happening here because when you do it literally sounds impossible. There's no way both banks did that but the truth of the matter is both banks did do this and both banks are pointing the finger at each other and I have decided they can do that as long as they want but now that USAA has decided to unbelievably, rudely, shockingly, without warning or a shred of loyalty with no notice after XXXX years decide to just close my account due to them assisting XXXX XXXX XXXX Bank in breaking the law and regulation which in turn meant they as well broke the law and regulation by not adhering to steps that are put into place specifically to avoid things like this, I will be 100 % pursuing monetary compensation above and beyond the {$8400.00} check that was illegally taken from my account. I will be speaking with my XXXX lawyers on XXXX XXXX XXXX XXXX on the next business day they are available to speak to provide them with this update of my account now being closed after all the trench work I have put in thus far to try to zero out the balance USAA and XXXX XXXX XXXX Bank has illegally blessed me with. I've been trying to help you out this entire time and get money back where it should have been which is in my account and instead I get slapped in the face after all the nights of no sleep stressing because not a single bill had been paid to include my rent This is what I get in return from USAA after XXXX years. Everyone says USAA has gone down the tubes except they use spicier language that I can not within this complaint form. They're right I wanted to leave USAA now for years I just couldn't see giving up the XXXX years but USAA has made that decision for me and all I can say is I'm no longer with USAA so be prepared to defend yourself in court for the maximum allotted damages, court costs and lawyer fees that I will be seeking. It's real simple The question is going to be did you violate regulation or did you not violate regulation. I don't think I need to write it out again as to what that answer is. Once I have taken USAA to court and won I will proceed to do the same with XXXX XXXX XXXX Bank and at the end of the day I will be suing both banks as both are at fault and neither is willing to help me as I did everything humanly possible to this point to try to correct the bank 's mistakes. I will now be treating USAA just like any other bum on the street and will be matching their energy instead of continuing to be loyal, generating them thousands upon thousands of dollars well trusting them as I was XXXX XXXX for years, now after doing all that for USAA and them doing no more then simply providing me with mediocre at best service, long lines, atrocious ATMs, an inconvenient single location and overpriced insurance I will now be returning that XXXX XXXX and Will be pressing them at every chance I possibly can get legally and justifiably and I'm only saying this because I'm a man of my word and at this point would be doing it out of principal regardless after being treated in such a manner as I was today as my account was closed for no reason. No reason or no doing of my own that is. Nor was I given any heads up or warning I was given nothing. I had to call in to find out when I couldn't log in. FYI this is only my first complaint of many that I will be generating to create my paper trail and show I have done my due diligence to prove that USAA and XXXX XXXX XXXX Bank is at fault and in violation of banking regulation CC which they are REQUIRED TO ADHERE BY WORD FOR WORD.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78209
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I filed a police report at my hometown Police Department about a Credit card never received with USAA. Police report # XXXX then I submitted a claim with FTC and it was erased. Then i received a letter from USAA stating that they needed my signature to let the credit companies know about the situation and then suddenly the debt appeared again.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PR
Zip: 007XX
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: In XXXX, I requested a quote for auto and home insurance from USAA. I never accepted the quote or became a customer. Today, XX/XX/XXXX, I received a letter from USAA detailing their " privacy promise '' and that they maintain information about me for internal and 3rd party use. I called to ask why and to have my information removed as I have never been a customer. I was told my information would be " restricted, '' but it would not be removed. Having been a victim of identity theft and loss of personal information through employers and entities I did business with, I see no reason for USAA to maintain ANY information about be, particularly seeing as I have never become a customer. I want my personal information removed from USAA 's system yet they refuse to comply.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32311
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have a checking account with USAA and have my direct deposit going to my USAA account. I work for an XXXX XXXX XXXX XXXX, so I always set travel notifications when traveling but USAA no longer requires travel notifications and does not have any place for a travel notification to be placed. On XX/XX/2023 I had a problem with my debit card being blocked with funds available on my account and I was told by a representative named XXXX that a note was placed on my account advising the bank that I travel for work and use my card XXXX. Today I got a direct deposit and tried to transfer {$250.00} funds to my XXXX account and had the same problem, but USAA kept {$100.00} and the funds were not placed on my NFCU account. When I contacted USAA, I spoke to XXXX, then XXXX, then XXXX, XXXX and no one knew where my funds were but notes were placed on my account blocking me from reaching a supervisor on deposits. I called again and spoke to XXXX who told me that notes were placed on my account and he could only transfer me to Member Resolutions, as per the notes. I asked for a supervisor but was denied by all XXXX representatives and my funds continues missing.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Between XXXX XXXX and XXXX XXXX there are XXXX charges to my card, in GA, XXXX in CA, XXXX in MN and XXXX in XXXX Total XXXX I contacted USAA. They refused to block my card. They refused to let me speak to a fraud investigation person. They said because I don't have a cell phone and they can't send a code, they couldn't help me. Refused to email it. I was given a ridiculous list to mail them, via USPS. Ex. Color picture of my drivers license, front/back etc. I don't own a cell phone, printer or computer. How do I even do that? Anyway, they need to stop this fraud, immediately, instead of refusing to help me. How long will charges continue to be put on my account? Please help me!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 612XX
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: XX/XX/XXXX at XXXX Was offered a Data Entry Job by XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX, WA XXXX. Interviewed with supposedly CEO/Presiden XXXX XXXX XXXX The interver proceeded to convey " You will need some DATA ENTRY software and also an Automated tracker to commence your training and orientation and also you need the software to get started with work, the work of the time tracker is to calculate your hours worked since this is an online work from home. '' The interviewer proceeded to say " The funds for the working materials, software and time tracker will be provided for you by the company via check, make sure you use them as instructed for the software and I'll refer you to the vendor you are to purchase them from. The check may be issued out by any of our 28 affiliated companies who owe. XXXX, some amount of money so this automatically serves as our refund as it is used solely for the benefit of our employees. XX/XX/XXXX at XXXX thee accountant emailed a paper check for deposit and purchase supplies. After receiving the funds, the employer ask I wire transfer or use XXXX to XXXX funds to different vendors. Two transfers were made to supposed vendors on XX/XX/XXXX and 2-3 transfers on XX/XX/. I became suspicious after the vendor demanded I transfer monies to different vendors. Thereafter, I realized the scam. Called the bank USAA and made the banks aware of the scams. Both USAA and XXXX XXXX XXXX are investigating the Organization, the wire and XXXX transfers. XXXX XXXX XXXX was very helpful. Unfortunately, USAA has not resolved the problem. XXXX XXXX, a USAA associate demanded I owe USAA money and XXXX XXXX threatened closing account ; by sending over debt collections. In my view, USAA has violated due process and consumer rights.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 273XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with The Fair Credit Reporting Act this creditor has violated my Federally Protected Consumer rights. Per 15 USC 1681b Permissble Purposes 604a section 2 - states any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) CLEARLY STATES : in accordance with the written instructions of the consumer in which whom it relates. ( violation # XXXX ) Under 15 USC 1681 602 ( a ) STATES : Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 4 ) STATES : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. UNDER : Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of disclosure : STATES No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be -- ( VIOLATION # 2 ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22407
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT In accordance with The Fair Credit Reporting Act this creditor has violated my Federally Protected Consumer rights. Per 15 USC 1681b Permissble Purposes 604a section 2 - states any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) CLEARLY STATES : in accordance with the written instructions of the consumer in which whom it relates. ( violation # 1 ) Under 15 USC 1681 602 ( a ) STATES : Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 4 ) STATES : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. UNDER : Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of disclosure : STATES No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be -- ( VIOLATION # 2 ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22407
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT In accordance with The Fair Credit Reporting Act this creditor has violated my Federally Protected Consumer rights. Per 15 USC 1681b Permissble Purposes 604a section 2 - states any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) CLEARLY STATES : in accordance with the written instructions of the consumer in which whom it relates. ( violation # 1 ) Under 15 USC 1681 602 ( a ) STATES : Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 4 ) STATES : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. UNDER : Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of disclosure : STATES No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be -- ( VIOLATION # 2 ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22407
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: As of XX/XX/23 i havent been able to use my debit card or access my funds in my account with no warning from USAA. once i called it was a two hour wait to be told they would call me back on the call back service. Once they called back it told me it was unable to conduct the call back service. I then called again and was told my account was under fraud review and someone would call me within XXXX hours. i called again this XXXX and was told the same thing, even told yes i would not be able to feed my kids or put gas in my car or pay my bills because of a supposed fraud review.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92114
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A