Date Received: 2021-08-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Original Debt is from USAA in the amount of {$15000.00}. The only time I have contacted USAA reguard this debt is when I was not able to make any payments on this debt. Credit Report states as of XX/XX/XXXX : Account delinquent 180 days past due date : Unpaid balance reported as a loss by credit Guarantor. Account closed by credit grantor : Last paid XX/XX/XXXX. XXXX has been mailing me settlement statements for settlement in the amount of {$6800.00} in 8 payments of {$760.00} and 1 payment of XXXX. Now, I have started receiving letters from XXXX with a threat of judgment in the amount of {$15000.00}. In addition, they have been calling my phone under multiple different phone numbers. I have contacted the three Credit Bureaus multiple times to dispute.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23513
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Good Day My name is XXXX XXXX. I am an XXXX XXXX service connected veteran with a service connection of 40 %. Just recently I was released from federal custody to direct home confinement. I am now beginning to receive my XXXX checks again but while I was away I had a major issue with USAA bank as they allowed my XXXX checks to go into another account number without my approval for 11 months. Because of this I was then told by the government that I owed the government and in order to be able to receive my benefits again I would have to repay all that was owed. You see I self-surrendered myself to XXXX XXXX XXXX XXXXXXXX ( located in XXXX, Minnesota on XX/XX/2017. For the first 6 months of my XXXX the VA continued to send me my full payment of 40 % when it should have only been 10 % due to incarceration. A state XXXX for Minnesota who works out of XXXX ( a Mr XXXX XXXX ) helped me to put in for a reduction in my benefits so that they could be reduced to the 10 %. Somewhere in this process my information was switched and my account routing information went into another account number. While talking to a USAA representative they told me that I have to take it up with the people who issue the checks. It's my belief that it is the banks responsibility to ensure that no ones check goes into another 's account without consent. Following this whomever owned account received my payments for the next 11 months. When I found out Mr XXXX and myself put in for an audit and this is where the information was revealed. In the attachment below you can see what I am talking about. Debt Management then said that I owe the VA {$6000.00} in order to reinstate my benefits. I can understand owing the government 6 months repayment at 30 % but to say that I owe XXXX is crazy especially when USAA allowed my monies to go into another 's account. Next Mr. XXXX and myself just stopped the payment period. Now that I am released, I'm trying to get my benefits reinstated and rectified but it has been a fiasco. I contacted the bank who gave me no help whatsoever. I contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they said that no students were there over the summer. I reached out to the IDVA ( Illinois Department XXXX XXXX XXXX ) and they connected me with affordable legal and finally that's how I got connected to you. I pray that you can help me in this situation and that it will all be over soon. Thank you in advance for your time and consideration Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2021-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-01
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I XXXX XXXX entered into a consumer credit transaction with USAA Federal Savings Bank XX/XX/2019. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but USAA Federal Savings took cash. The finance charge is supposed to include insurance but USAA made me purchase insurance separately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2021-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-31
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2021, my former phone company ( XXXX ) overcharged me for service. The company wasn't answering emails or phone calls and it was the second time I had issues with them, so I contacted USAA bank to dispute the charge. I told the representative that I was overcharged, and they repeated the issue to confirm. I wasn't aware that the representative filed the wrong dispute reason ( duplicate charge ) requiring specific evidence ( proof of payment via other means ). I received a document via USAA 's web notification system with the evidence request, called for clarification, and the representative assured me that my issue was being corrected. I uploaded all of the documents related to the purchase, and previously received a provisional credit and had no reason to believe that there was a problem. On XX/XX/2021, the credit was reversed. This triggered multiple NSF fees and a total debt of almost {$300.00} due to bank error. I have been contacting USAA every day since XX/XX/XXXX to resolve the issue. I have to start from scratch constantly, including the representative matter-of-factly asking for evidence of the original incorrect dispute reason. After explaining the issue, multiple representatives have told me they corrected the dispute reason. The first correction was on the day of the dispute, XX/XX/XXXX. Another correction was on the XXXX. I have lost count of how many times a representative has claimed to fix the issue and started a 7-10 business day timer for a resolution. It is the same answer every time. Since then I have spoken with multiple members of the Executive Resolution Team,
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27106
Submitted Via: Web
Date Sent: 2021-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XX/XX/XXXX, my husband paid off our USAA Visa card. It showed a XXXX balance and we have not used the card since. We were in the process of applying for a cashout refinance XX/XX/XXXX, to pay off the rest of our debt and to get me much needed medical help for my severe, chronic back issues and were denied. They've begun showing a XXXX balance on the account and reported it as a late pay to the credit bureaus. Then, they refused to look into it until I filed out a form on their site ( is been so long I don't have the login anymore ). I finally figured out how to get in and dispute the reporting. I paid the XXXX charge to make it go away. But it's XXXX that I have to wait 30 days for them to remove it from my credit report when I haven't used the card in over a year and wasn't even aware that we were billed for it until I was denied.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75075
Submitted Via: Web
Date Sent: 2021-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: USAA Bank Fraud charges denied I travelled to XXXX on the first week of XXXX. I had my bag inside a boat and noticed my card was stolen. While in XXXX I immediately reported my card stolen. This must have been XX/XX/XXXX timeframe. USAA, the credit card company canceled the card, annotated that it was fraud - the charges of {$1300.00} to XXXX XXXX XXXX and {$1400.00} to XXXX XXXX XXXX both on XX/XX/XXXX. There were multiple attempts to charge large amounts as these. Two weeks later, a disputes representative from USAA reached out and said the transactions were denied as fraud, he said he had no idea why it just says denied he said, and that I can claim them as disputes. I told the gentleman that it was IN FACT fraud. He filed for dispute anyways. Those were denied and I am still now left to pay for these two fraudulent transactions after my card was stolen. My rights have been violated 1 ) because I never received an explanation at all, not by mail or otherwise as to why it was deemed not fraud 2 ) I am constantly unable to reach the Credit Card fraud department. Now, this is a big topic because USAA doesnt have physical locations. Everything is calling or mobile. When you call you get identified by your phone number, and every time I call the system shuts down and says my account can only be serviced when operating hours are open. It says this constantly, doesnt matter the hour. Finally, I was able to find a way around this bug on my account and got constantly sent to wrong departments that handle fraud. No one could direct me to the right department for this. Finally, a representative said that the department that handles fraud doesnt speak to people on the phone so he must submit a ticket to find out why my fraud claim was denied. He repeated multiple times that there is no guarantee that I will receive a call back or response. This is against my right, and I cant find a way to appeal and it is endless games to get ahold of anyone at this bank which is shocking from a seemingly prestigious bank. 3 ) USAA must, in essence, review my claim and at least depict these charges, maybe look for an invoice or such. There is nothing in XXXX that costs this much unless you buy yacht. I was notified via text before one of these transactions to approve it, and I will admit I mistakenly said Y then immediately said XXXX No that is not familiar as I made a mistake replying. Because, once I saw the amount again it didnt make sense. I saw that my texts didnt go through which makes sense I was in a foriegn country, but I have a record of my attempts to text No and Fraud. Either way, this is not obligatory of myself being responsible for a fraudulent charge of a stolen credit card. I have tried to be thorough and present a good timeline of events. I remember everything clearly. This was fraud and my rights are not supported by USAA, they are impossible, to me, to contact. There is no ticket system, just limited hours and mixed messages from wrong departments all with different answers.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2021-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-01
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Previous complaint # XXXX.I need a disclosure, ,something from usaa showing the rules of Membership. All I have is their word. Why can't they use my SS? According to my Credit Union I can close my account, they too have to keep records but my Membership is closed. USAA is refusing to reply to the Arkansas Attorney Generals Office as well as to my messages. No doubt they are hiding something. Can they legally keep my Membership open? On my original complaint I still had a account, now everything is closed. Just use my SS and close my Membership. I don't like usaa, they don't like me. Let 's end this now and I'll be happy. Please send my complaint to someone higher than the person that replied earlier. Thanks, XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AR
Zip: 72118
Submitted Via: Web
Date Sent: 2021-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-01
Issue: Fraud or scam
Subissue:
Consumer Complaint: I got " hired '' on XXXX, to be a XXXX XXXX for a contracting company named " XXXX XXXX XXXX. '' After researching the company, I found their website and their XXXX. Their XXXX had a few reviews both good and bad about their work on it so I didn't think anything of it. During the job, they said that I needed work equipment like a laptop and etc so that I can complete work for the job and that this will be covered by the company. They sent me checks made out from " XXXX XXXX XXXX '' to cash and specifically asked for USAA so that I could cash them to ship my equipment to me, saying that mailing them would take longer which would delay the start day of my job. One of the checks was for {$4500.00} and another check for {$8500.00} was sent. The check for {$8500.00} was sent because they told me that they had two new hires and wanted to know if I could order their equipment seeing as though I " knew the process ''. After, I realized that this was a scam so I told USAA fraud department. They said that I was involved and that I knowingly did this and stated that I had to pay the total of {$13000.00} back to the bank. I have images, documentation, and a police report clearly detailing that I had no idea what was happening and that I am a victim of fraud. The Banks " investigation '' is still going on, and they have contacted XXXX XXXX 's fraud department, but has received no response. I am only 19 years of age, they don't teach this in school and I have yet to even see that amount of money in real life. I didn't even go to college just because I couldn't afford it and didn't want to be in debt. To think that I would have to pay for the wrong doings of someone I have never even seen before is unthinkable. Since the checks over-withdrew the account, they were transferred to the credit card. I have already payed {$2000.00} off so that the card does not gain interest. Since this incident, I have educated myself about scams and the many ways people attempt to scam, I REFUSE to have this happen to me again. I honestly just want my future back. Ultimately, my complaint is for " USAA '' and " XXXX XXXX ''
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20735
Submitted Via: Web
Date Sent: 2021-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I was never 30 days late XX/XX/ 2009 2009
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2021 I paid my loan with USAA in full. I waited 7 to 10 days for it to show on my credit report. It had not, so I filed a dispute with XXXX and XXXX. USAA came back saying the credit report was correct and dispute was not valid. So I waited a few days and submitted another dispute with XXXX, once again the same response from USAA. So I filed yet another dispute and attached the document below, which is from USAA clearly stating the account is paid in full. They once again come back on the XXXX of XX/XX/2021 stating the dispute is invalid, account is open and balance is correct. I have made numerous calls to both XXXX and USAA and have gotten the run around over and over again.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OK
Zip: 73044
Submitted Via: Web
Date Sent: 2021-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A