Date Received: 2021-09-08
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Wire Transfer number is XXXX First of all, XXXX is the one individual that has given me any sort of answer so she has been doing a great job. I sent a international wire to XXXX XXXX ( Wife ) in XXXX for XXXX Euros. It was sent out on XX/XX/2021 but the individual did not do it right because it was never sent. Then Sent a new wire on XX/XX/2021. On XX/XX/2021 I found out that XXXX stopped the wire and had some questions for me. Answered the first 4 questions that day and on XX/XX/2021 I answered two more. Now it is XX/XX/2021 and according to my bank my funds were released but still have not moved. I need this money to purchase a car which I need for work so I can feed my family. No one gives me a clear answer besides XXXX and we are approaching a month for this transfer and I am at the mercy of someone pressing a button to allow my funds to go through. My legal name is XXXX XXXX XXXX. I was born in XXXX California and served in the XXXX XXXX for 6 years. I have no affiliation with the XXXX that I had a partial match on the XXXX list. I just want my money so I can function in a country I just moved too. Please I need assistance to get this resolved
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92345
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: A {$4000.00} repair allowance was promised during the sale/closing process, but never paid.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I am not a Member of USAA Federal Bank in XXXX XXXX TX. I don't have any accounts of any kind. They are sending me letters saying they don't have anything to add to my previous complaint. They have called wanted to discuss my complaint. I told them I don't have anything to say, my response was sent to CFPB. I have sent messages saying I don't want to be contacted..I don't have anything to say. They are sending me letters after asking them to stop. I have contacted my Attorney Generals Office and the FCC. Please ask them to stop contacting me. Now it's what I call harassment. There's no reason for them to contact me. Please help XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AR
Zip: 72118
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: The purpose of this complaint is to communicate my concerns over the renewal of my homeowners insurance policy. Thus far, my attempts to resolve this matter through USAA 's various customer service options have been unsuccessful. On the evening of XX/XX/XXXX, I received an email about the renewal of my homeowners insurance policy, which is set to renew on XX/XX/XXXX. On Page 5 of the attached renewal document, it states the following : We have given you less than our best rates due in part to your credit information. You're still benefiting from the use of an insurance score. You would be paying a higher rate if we didn't use the insurance score as a factor when determining your premium. The most important credit-related factors that negatively affected your insurance score are : * Number of Open Retail Accounts * Number of Accounts Always Paid as Agreed * Length of Time Since Newest Account has been Established * Percent of Accounts Reported in the Last 24 Months to Total Accounts on File Your credit information was obtained from XXXX XXXX XXXX XXXX XXXX consumer credit reporting agency. This news was quite alarming. I checked at least seven credit score/bureau combinations available to me, and each reported a score above XXXX. In fact, the FICO XXXX score provided to me through USAA 's website was listed as XXXX as of XX/XX/XXXX. Since XX/XX/XXXX, I have spoken with multiple representatives at USAA to seek clarification. They have suggested I contact XXXX to obtain the report from which the adverse credit information was derived. On XX/XX/XXXX, I received the XXXX report. Though it contained mis-associations and incomplete or otherwise incorrect information for some of its non-credit-related findings, the credit-related findings seemed consistent with what I have seen through other services. I forwarded the report to USAA. One of the USAA representatives suggested that my allegedly adverse credit information might not be reflected by a credit score, which would defeat the entire purpose of credit scores. I highly doubted XXXX had developed a metric so novel and insightful that it deviated so heavily from what is customary -- credit scores. Nonetheless, the USAA representatives have defended USAA 's blind reliance upon XXXX. I called XXXX on XX/XX/XXXX. According to that representative, my credit-based insurance score was XXXX. Apparently, this insurance score uses the XXXX -- XXXX range customarily used in credit scores. Therefore, though the XXXX is less than my actual credit scores, it still should have placed me in the most favorable tier. Since my last renewal, my only credit account changes were due to opening a store card, and refinancing my home to take advantage of the low interest rates. Neither of these activities, nor the ambiguous factors listed in the renewal paperwork should have adversely affected my credit information, and certainly not my premium. Additionally, in the six years I have had homeowners insurance through USAA, I have never had a claim. At this point, USAA has indicated my credit information is favorable through the credit score they provide me, they can not cite a specific reason for denying me their best premium, and they refuse to pursue the matter further.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NM
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
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 XXXX XXXXXXXX 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 XXXX 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: 2021-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
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 XXXX XXXX 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 XXXX 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: 2021-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-04
Issue: Lost or stolen check
Subissue:
Consumer Complaint: IRS Tax refund ( XX/XX/XXXX ) of Maryland state tax refund ( XX/XX/XXXX ) sent to wrong bank USAA Federal Savings Bank to an account with no affiliation. IRS on XX/XX/XXXX and MD XXXX on XX/XX/XXXX have requested the tax refund to be returned to them so that my refund can process and sent to me. The USAA savings bank has not released the money after verifying it is there in someone elses account where I have no affiliation. This should have never been accepted by the bank. I spoke with XXXX in member security and XXXX bank ID # XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2021-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: It's been more then 90 days since I send out letter with no response until much later date. I have been trying to take care of the account but can not do it online nor over the phone. So there seem to be no way to make the payment. They make it very difficult to take of this account. And it's affecting my credit all this time. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX of the last letter,
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78045
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Every month I deposit {$2000.00} into my account at usaa which the check is written to me on a usaa account. Every month they only allow me to get XXXX then place a 10 business day hold on my account which causes me to not to be able to pay rent utilities and buy medicines and groceries. My rent is due on the XXXX and I XXXX XXXX dollars for wvery day that that XXXX dollar rent isn't paid. That's usually XXXX XXXX dollars extra in rent i have to pay because usaa will not allow me as a veteran on a fixed income to access my funds. I'm literally going broke and without electricity or water or food or meds every month now for 5 yes. They say it can not be released however 3 months ago I got so fed up with this XXXX I called 27 times until I was transfered to a manager by the name of XXXX and he.told me.that at anytime funds can be released with a simple push of a button or two and he stated that if ever I was denied my funds to know that the location I had reached that day that wouldn't allow it to be released is only using that method at that contact center to drive up profits by keeping the funds of depositors on hold. Today I reached a lady by the name of XXXX at extension XXXX she refused to give me the contact center address or number only her extension. She begins to tell me.her policy and.procesure of why it is right for her not not allow me to access funds I put I nto my account. I asked to speak to her manager and she just kept repeating policy. I asked her if she only gets a percentage of her pay or is she allowed to get her whole paycheck or is she gets enjoyment of causing me to be forced to pay extra on my rent resulting in no food no electricity or.meds etc..she said their policy was.. That's when I lost it after asking for her to transfer me.to her superior and her not doing so I advised her I would be making a complaint again she wanted to talk policy.. It seems the policy is as XXXX described. To make.profit off of deposits placed in ones account by holding those funds XXXX resulting in usaas customers, Veterans and services members, being forved to go without needs being met or in higher bills resilting.also in bounced payments from insufficient funds and.cause fees to accumulate. This is wrong in every sense of the way. Please help us and stop Usaa from holding funds XXXX and let the XXXX 's of these contact centers know we won't tolerate it. I asked XXXX if I could bring my children to her home for.food when we were unable to buy them.food she said to me of course not thats ur responsibility ... .I hung up the phone because obviously She is bought into the idea that profit is ok even if it means hurting those that fought for her right to be a XXXX XXXX. # releasethefunds
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75460
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I never had any contracts with USAA nor XXXX XXXX and clarity service, XXXX and XXXX continuously reports these account which are had by identity theft and fraud.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33573
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A