Date Received: 2021-08-27
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: USAA will not allow me to cancel future automatic transactions. I see the button to cancel on the mobile app but I can not select it. The website does not show any automatic transactions. I called twice early to resolve but no one called me back. I called again and ask to speak to an executive resolution team member. All they did was apologize. Additionally, I can still see and edit my wife 's account information even though I was told this wasn't an option.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78250
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2021, I was a victim of identity fraud. I was called on my phone from USAA 's 1-800 number and told by the person on the other line that they were a representative from USAA and they had to place a hold on my card because multiple charges were being made in California. With this I went through the entire process with whom I thought was a USAA representative as far as stopping the fraudulant activity an so forth. They even had the capabilities to send me USAA codes that I had to read back to them. What triggered me to think something was off with the caller was that they told me they were getting a supervisor on the line to speak with me and instead they hung up. I immediately looked at my account and saw {$1000.00} missing that had been XXXX to someone named XXXX XXXX. I called USAA and told them what happened and they realized this was fraud and connected me to the fraud & security department. Long story short, I went through the entire story with the department. They said I had been spoofed where someone used an app to make the call look like it was from USAA. During the call, the representative asked me was I on a XXXX or XXXX. I told her I only use XXXX products & have never used a droid. She then said she see 's an XXXX as well as a droid accessing my account right now which confirmed that there was someone else accessing my account. She then remotely disconnected all phones and blocked all use to my account. We then went through the process of changing all access codes to my account. Before hanging up, she told me the hold will remain for 3 business days and I would receive my money back. What has happened is the fraud department ruled against me stating it was not fraud making me the victim, the criminal. After several complaints I still have not received my money back. I have been with USAA over 14 years with not one issue and I am flabbergasted with how I have been treated by this bank.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: VA
Zip: 23059
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2021 {$9900.00} were wired from our deposit account at the USAA Bank, XXXX XXXX, Texas to and individual account at a different bank. We reported the fraud to the bank on that date. Since that date we have communicated with USAA numerous time to recover our funds. After two months the bank refused to reimburse our funds. We requested a written statement as to why our claim was rejected, They have refused to share their findings in writing. We escalated our claim to XXXX. After their review they escalated our claim to XXXX. XXXX have required documentation. We have provide extensive evidence of the fraud. Now XXXX wants a statement from USAA. As noted above we are unable to obtain such a statement. We have engaged an attorney, He have determined that we would need to sue the USAA to obtain their written findings/opinion.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32757
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-26
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My checking account with USAA in XXXX XXXX Texas keeps getting hacked. Last summer in 2020 I saw I had XXXX XXXX dollars of assets in mutual funds and dividends and royalties. Whenever I try to call and get my money they say I don't have any or my account is closed. I feel my identity was stolen and I'm being erased. Please help me because the Bank won't help me. I believe these people can help XXXX XXXX who put a criminal trespassing report on me in XXXX Texas when I broke my foot in her yard with my friend and I denied the ambulance and XXXX XXXX who put a criminal trespassing report on me as well when she harassed me at XXXX on XXXX in XXXX Texas and the police would not even check out the surveillance saying it didn't work. I feel like the City of XXXX has violated my civil rights and I'm treated worse that anyone can imagine. Please help me in XXXX Name Amen.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75110
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
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: I am completely appalled and disgusted at the fact that your company is willing reporting unverifiable and inaccurate information on my credit report even after the alleged account was disputed multiple times. There is a alleged charged off account that has been reporting inaccurately since the time the alleged account was charged off. That you have been reporting that the alleged account was charged off in XXXX of XXXX, and as we all know charged off accounts must show a CLOSED status seeing as you never sold the account to a collection agency. For 2 yrs this alleged account was showing a charged off CLOSED status up until XX/XX/XXXX where for some reason you decided to report that the alleged account was OPEN causing my credit score to drop 145 points because I " MISSED '' a payment in the month of XX/XX/XXXX on a CHARGED OFF ACCOUNT that is supposed to be showing a CLOSED status but for some reason is now showing a OPEN status on my XXXX credit report and only my XXXX credit report. I disputed this account on XXXX XXXX XXXX and on XX/XX/XXXX the dispute immediately showed they had closed the account back but it has not updated on my credit report But Left me with a MISSED Payment on a supposed to be closed charge off account for the month of XX/XX/XXXX.Since XX/XX/XXXX you have been reporting inaccurate information for this account, inaccurate being the balances across all bureaus that you seem to switch every 2 months by adding or decreasing {$860.00} causing my credit score to fluctuate damaging my ability to use my credit, or the balance history which is always been incorrect. or even the last payment date that is incorrect as of now on all 3 major bureaus. There are tons of wrong information across all bureaus on this account, but for some strange reason you keep reporting that the information is indeed correct even after my disputes which you knowingly violate 15 U.S. Code 1681s2 a ( 1 ) ( A ) and 15 U.S. Code 1681s2 B.as well as violating numerous of other federal laws. you willfully report that the information is correct even when you know it is not even after being told it isn't correct month after month which is a federal violation. And because I know this account is non complaint to Metro 2 formatting as well, I'm evoking my right as a consumer and demanding you remove this charged off account and the missed payment for XX/XX/XXXX not update remove from my credit reports on all bureaus and pay the invoice that I have attached with your violations in pursuant to the FCRA. if my demands are not met I will have no choice but to sue for your constant and negligent inaccurate reporting and FCRA and fdcpa violations, as well as your violation for not being Metro 2 complaint with this account and fraud for reporting information you know isn't mine or correct. I have attached documents as evidence showing your incorrect reporting on all my credit reports as well as the missed payment for XX/XX/XXXX on a Supposed to be closed but currently open status charge off account that has further damaged my credit score. you will be receiving formal letters in the mail via certified mail with my invoice these documents attached and my dispute. I will also be leaving a terrible review on the XXXX XXXX XXXX and attaching a copy of this complaint to my attorney generals office.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Someone wrote me a check from USAA Federal Savings account. I deposited the check with my band and it has been on hold for 5 days. I just called USAA to confirm that the check has sufficient funds and they were extremely rude and intentionally hung up on me. Every financial institution allows people to confirm sufficient funds on check, when I called USAA this was news to them and disconnected my call.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30097
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX, I submitted to USAA an additional principal payment be made on my mortgage on XX/XX/XXXX. On XX/XX/XXXX, they incorrectly applied a part of these funds to interest instead of the full amount to my mortgage 's principal, which has also happened several times during XXXX. I filed a XXXX complaint then and was told that the issue had been resolved, but it apparently has not. When talking with the representative, he stated that neither XXXX nor USAA had the ability to escalate this issue nor open a ticket to keep me informed of fixing their system to correct this in the future. As USAA continues to steal money ( via charging me extra interest ) from me ( and likely thousands of others as well ), I would like to be paid for my time of having to monitor my payment activity monthly as USAA is incapable of doing their jobs correctly as well as for my time having to call in and have the charges reversed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28210
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX ( XXXX XXXX ) on behalf of USAA SAVINGS BANK is violating my federally protected consumer rights and refuses to provide me with validation evidence pursuant to 15 USC 1692g that can validate their claim of me, XXXX XXXX, the natural person/Consumer owing them any " alleged debt. '' XXXX XXXX XXXX XXXX and USAA SAVINGS BANK failed to prove their claim that I owe any " alleged debt '' by not providing any " documentary evidence '' of a ledger, delegation of authority, contract, agreement, or anything to stand as legitimate proof that I, the natural person/Consumer owe any alleged debts tot their company. XXXX XXXX XXXX XXXX and USAA SAVINGS BANK is reporting of my credit creating an " adverse action '' pursuant to 15 USC 1682a ( k ) ( 1 ) and should and will be held criminally liable pursuant to 15 USC 1611 and civilly liable pursuant to 15 USC 1640. this information is damaging my reputation and damaging me both financially and mentally.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I was divorced in XXXX, and I worked with USAA to settle my account ( sometime within the year following ) for an arbitrated amount. The account was settled and closed. I find out now ( in XXXX ) that in XXXX, USAA reported that my account ( and I'm assuming me personally ) was involved in some sort of " fraudulent account transactions ''! I have no idea what this could possibly be about, but when I call USAA 's legal department, they want me to get a lawyer .... to prove my identity from 3 years ago. I live on $ XXXX, through XXXX and a small alimony payment. I can't afford to hire an attorney to dispute this, and I'm being " run over '' by a cooperation, that doesn't care that this is helping to ruin my credit. I couldn't open a new checking account a week ago, because this " alert '' has been coded so high on my report. ( And, THATS how I even found out it was there ) This needs to be investigated properly, and removed immediately!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: The bank is usaa. Im about 2mts behind. I typically pay the loan on the XXXX yet this month Ill get paid from the XXXX as a XXXX vet on the XXXX. Tried calling twice to make sure that was ok. Was denied speaking to a manager, second time I called I got the same rep who I had a very hard time understanding and she hung up on me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A