Date Received: 2021-07-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29229
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: this account is not reporting correctly. this needs to be removed from my report
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76201
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Submitted a complaint recently # XXXX and USAA lied in its response about me getting access again. Untrue. After getting the confusing message I tried to access my accounts only to STILL BE LOCKED OUT. I called the USAA 1800 number told MY ACCOUNT IS RESTRICTED STILL. I asked for supervisor and told none are available and placed on a 15 min hold until I hung up. Does MS XXXX work at USAA? My next call will be to her " office '' )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: USAA received a request from XXXX XXXX XXXX to provide them a Hold Harmless Agreement or Indemnity Agreement so they can legally transfer my funds back to my account. It has been over a month since XXXX XXXX XXXX requested this from USAA and they still complete and turned form in to XXXX XXXX XXXX. XXXX XXXX XXXX informed me today the longer my bank takes to complete form the higher the possibility for the scammer to remove my funds. My Bank ( USAA ) has sent multiple recall requests and XXXX XXXX XXXX still hasn't respond the recall. XXXX XXXX XXXX of XXXX XXXX XXXX did a Wire fraud scam impersonating XXXX XXXX XXXX an real estate investor and committing a federal scam. Scamming me out of a total of {$9000.00}. My bank USAA requested numerous of times to XXXX XXXX XXXX along with the police report the circumstance and and XXXX XXXX XXXX refused to their further investigation to give me my funds back. This scam of {$9000.00} has put me in a bind financially with the owner of the property and financially. I met XXXX XXXX XXXX late XXXX at Real Estate Investor convention in XXXX. We talked briefly about future Real Estate deal and agreed to work together. He reached out to me via email and chatted about him lending me a Real Estate Investing Loan for a property I was acquiring. XXXX is a Real Estate Investor with his company XXXX XXXX XXXX XXXX. After exchanging numerous emails and signing contracts, He agreed to dispersed funding of {$800000.00} once I pay the the {$8000.00} origination fee and a {$1000.00} Payment Protection Insurance fee. Once I wired the transfer to unknown individual ( XXXX XXXX XXXX ) from XXXX XXXX XXXX, XXXX XXXX XXXX completely disappeared. No email response, phone call etc. I have email, wire confirmations, His LinkedIn, and XXXX XXXX XXXX XXXX XXXX XXXX information ( routing and account no. ) I filed wired fraud investigation with my bank USAA and filed a police report. I have all documentation needed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20745
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: My daughter XXXX sent money using XXXX that is available on USAA mobile app to a man name XXXX XXXX that was supposed to be selling a XXXX XXXX puppy on XX/XX/2021 in the amount totaling {$1600.00}. The seller appeared to be scammer and once he received the money he couldnt be contacted anymore. Trusting that usaa was allowing the use of XXXX on their usaa app platform we assumed that our money will be protected if we used XXXX. When we called usaa of the scammer issue they inform us that we might not be able to get our money back since we authorize the payment. I feel as a consumer that a big bank like USAA should only offer services that are protected or backed by their bank in case of these type of fraudulent activities. My daughter worked hard for her money and to be told that our bank for over 15 plus years cant protect her money from these scammers is a shame. I will be switching our bank soon as we feel betrayed. Thanks for reading. My name is XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AK
Zip: 995XX
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Good day Sir/Maam, how's everyone doing during this pandemic, hope all is well. I'd like to ask your office for assistance with this matter. My name is : XXXX XXXX Back in XXXX XXXX I called XXXX XXXX insurance company to give me a quote for $ XXXX coverage with a 20 year term universal insurance, in which later I found out from the agent of XXXX XXXX by the name of XXXX XXXX that he put me on hybrid plan in which I didn't know anything about it's because I've seen my credit card was charged, needless to say I was mislead into signing up for this plan and not the universal plan I wanted, when really I was only inquiring and not commited to sign up, because he said this quote $ XXXX/month is not finalized until i get my medical/blood works test done and the result will determine my fixed monthly premium would be, that said it wasn't explained to me correctly.I was only interested with comparable monthly premium rates ( lower $ XXXX/month for the same coverage and term ) I got from different insurance companies.I mentioned this to the agent Mr.Radcliffe he then offered me a temporary monthly rate of {$46.00} for 20 year {$300000.00} the way he explained to me that I was gon na be offered the final monthly payment once my XXXX XXXX result come in and get the final offer.He then said my bank info.was required to proceed with the application, he would then touch base with me to schedule for my XXXX XXXX testing, and for the test result and final offer.After I gave him my bank info and got a temporary quote via email it was different from what I wanted to begin with, again I only inquired back in XXXX XXXX and to get a quote, we both agreed I will sign up after my test results comes back and get the final offer.I was surprised I was charged, so I made numerous calls to XXXX XXXX insurance company and only got the run around because this insurance mislead me from what I asked for, I called and left messages to MrXXXX and his team several times to get my refund, ( why cancel if you may ask, it's like me admitting to signing up with hybrid plan and there wasn't any mislead happened on XXXX 's part, when I didn't even sign up to begin with ) .After my XXXX XXXX test result came back and I called to get result and asked for what my final monthly premium rate would be, around a month later, XXXX XXXX sent me a letter and said my payment schedule was changed to around upper {$50.00} 's monthly.So when I didn't get a resolution with XXXX XXXX, I was prompted to call USAA my debit card USAA bank prior to the XXXX XXXX XX/XX/2021 I was issued a temporary credit of disputed amount, but then XX/XX/XXXX I received an alert from USAA saying thwt they were going to reverse this temporary credit because of what was said by XXXX XXXX insurance company.I had explained to XXXX with USAA bank back in XX/XX/XXXX i was mislead by XXXX XXXX XXXX agent, his name is : XXXX XXXX, after I have expressed my disappointments with regards to the way my claim was handled by USAA, also I mentioned that they just lost a client and I will be leaving USAA bank and for them to return my balance on this checking account # XXXXMembership # XXXX week later I'm still able to log in with USAA and XXXX, didn't close my account and I haven't received my funds or application to withdraw my balance on this account.Thank you in advanced for your involvement with this matter.If you need to get a hold of me for clarification and more information, you may call me at:XXXX, email address : XXXX.Mailing address:XXXX XXXX XXXX XXXX # XXXX ; XXXX XXXX, California XXXX.I look forward to speedy resolution of this matter.Stay safe , healthy & fit.God bless & stay blessed!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90004
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: USAA processing my loan XXXX XXXX and XX/XX/2021. After I received a copy of the notice of value they changed the repair requirements and never sent it to me. It was 20 days later when they sent it to me and said I could pay extra to extend the rate lock since I didnt get the repairs finished. I was told that only the processor received the updated XXXX and I should just go on that even though I didnt see it until 5 days before trying to close.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85257
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2021 I received a letter from American XXXX XXXX XXXX XXXX XXXX XXXX in regards to the collection of a debt for {$8900.00}. After I reviewed and investigating this communiction, I discovered that this communication violated Federal Debt Collection Protection Act ( FDCPA ) 15 U.S. Code 1692c ( a ). I did not give XXXX prior consent to any communication with me. XXXX failed to provde me with any signed agreement that gave thm authorization to collet any amount in regards to this debt as per my dispute letter mailed on XX/XX/2021. This is a violation of FDCPA 15 U.S. Code 1692f. These actions lead me to believe that XXXX is participating in deceptive actions and is in violaiton of FDCPA 15 U.S. Code 1692j. I feel that these actiosn are also a form of harassment nad violates 15 U.S. Code 1692d. I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX, in regards to the collection of a debt for {$8900.00}. This communication violated Federal Debt Collection Protection Act ( FDCPA ) 15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ... I did not give XXXX prior consent to any communication with me. After I disputed this alleged debt with XXXX, XXXX failed to provde me with any signed agreement that gave thm authorization to collet any amount in regards to this debt as per my dispute letters mailed on XX/XX/2021, and XX/XX/2021. This is a violation of FDCPA 15 U.S. Code 1692f ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. These actions lead me to believe that XXXX is participating in deceptive actions and is in violaiton of FDCPA 15 U.S. Code 1692j ( a ) ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I feel that these actiosn are also a form of harassment nad violates 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt ...
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: At whatever point there is a significant life occasion I called USAA of my divorce, deployments, activation to XXXX XXXX, and even promotions I accept that they have done as such because my location was refreshed. USAA has a debt protection plan, in XXXX and XX/XX/XXXX I called and inform USAA of my military status and my address I also ask specifically about the debt protection I was told I was informed that retirement doesn't warrant the utilization of the debt protection plan. On or about sometime in XX/XX/XXXX I called USAA credit card services to update them that I am a XXXX veteran I then asked about the debt protection plan they stated that my credit card payment and that there was anything they can do about my debt. I called sporadically of the year from XXXX to currently. On or about XXXX I called the number that was present of debt protection ; I was informed that all the calls of debt on the credit cards was a gross misguidance, I had on or about 275 days to have applied and that as of now that my time had lapsed however that can be corrected if I call USAA and advise them regarding the inaccurate data and of my contacts that should fix it. I called I did state I did not look at my statements and that I had forgotten that was due to the fact my statement only showed the debt protection payment and the USAA number which I called. the escalation team response was that I should read my statement I pleaded and she said she will look more into it. I received a letter of refund from USAA they had done some review through the various department and find some money was owed one was in the credit card department I called and requested to speak with Mr. XXXX XXXX I was transferred and put on hold till their phone line cut me off. out my account. On XX/XX/XXXX I called bonus reward ( XXXX XXXX about incorrect bonus points she asked me which points I informed her there should have been an inquiry she said there is none that's why she asked at this point, I asked to be transferred which I was told she will try but if the call hangs up here is number to call ; she did not transfer me she hung up. I called back I got to speak with XXXX XXXX in that phone call I was informed that my life events were never updated i.e., divorce, deployments, not even my retirement I spoke to her of previously mention plight, she took a look and found where I have contacted USAA but most of the contact log was not annotated, she even sees the contact log back to XX/XX/XXXX she annotated what she could she advised to compose a letter and attempt again to connect with Mr. XXXX XXXX. I did call and tried XXXX transferred me to XXXX then on to XXXX then to XXXX then XXXX who educated me that I can't consider her staff responsible for their blunders and that the blunders were mine. I illuminate her it is not my job to train her staff on the assets and advantages in her area of expertise and that what she stated was unsuitable she then, at that point transfers me to the administration who gave me this stage to express my experience and pose the inquiries so here they are : 1.For what reason did USAA staff give me the wrong data since XXXX on the debt Protection plan when informed them I am XXXX and continued not to help me with assets that were a piece of my advantage which covered XXXX? 2.For what reason did the USAA staff deny me the advantage of the debt protection plan that I paid for in any event, when the contact log shows that I have called mentioning help? 3.Could USAA clarify the carelessness for me for such countless years and the negligence of their staff in any event, when they were informed? My Resolution is for revolving debt on my USAA Visa to be paid using the debt protection procedure that will not harm my FICO score and that all installments made as of XX/XX/XXXX be refunded the load of installments would have not occurred if USAA staff had done their due diligence there would have not been such gross carelessness on the entirety of my account records.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A