Date Received: 2021-06-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: USAA Savings Bank is reporting a late for XXXX, XXXX, XXXX. Due to Covid, I was having a really difficult time keeping up with all my bills since my hours were cut dramatically. I have slowly gotten back on my feet and am now preparing to buy a home. I have been a long time customer with USAA and ask that they please take leniency on these lates.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19151
Submitted Via: Web
Date Sent: 2021-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-14
Issue: Other transaction problem
Subissue:
Consumer Complaint: A XXXX scammer sent me a bad check for {$3900.00} which I received on XX/XX/2021 and was able to deposit via the USAA mobile app. The funds were deposited into my CHECKING ( i.e., DEBIT ) account immediately. There was no notice in my account of a problem with the check, or of any " pending '' funds. There was no notice of the check being honored on credit, and I never directly authorized credit on that check ( nor did I ever intend to ). The same day, I got a balance check for my checking account from an ATM. I was able to withdraw {$3300.00} from my account, which ended up getting sent to the scammer 's " shippers '' via XXXX. I have all the physical receipts. Several days later on XX/XX/XXXX, I saw in my account that the check had been refunded along with a {$5.00} " fee, '' which left the total of my accounts in debt. I reported it to USAA as soon as I noticed it and realized it was a scam. They reported it to their " fraud department, '' which froze all my accounts and cards by the next morning. I have been trying to reach out to my bank, but they leave me on hold for hours on end. It's impossible to talk to a human being. I have bills coming due, and I need to pay for food and medicine. My time and ability to access my money are valuable. The best excuse USAA gave me is that they honored the check based on giving me credit, and only because I had such a good credit history with them for so long! Ha! But like I said, I never authorized, nor intended to authorize any new line of credit, and took deliberate steps not to authorize any line of credit. If USAA issues me a line of credit without my approval, that's THEIR risk. And as far as I'm concerned, they are complicit with authorizing fraudulent checks by : a. ) making the process totally automated ; b. ) advertising it as " secure, '' and ; c. ) fatiguing its customers into compliance with using it, while diminishing access to real customer service. I'm also investigating this issue myself, and have tried to report to several local and federal law enforcement agencies with little response. I am also about to file a local police report for what it's worth. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 890XX
Submitted Via: Web
Date Sent: 2021-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello. My name is XXXX XXXX. I am paid VA XXXX XXXX every month and this was being deposited into a USAA FSB account until very recently. I have been exploited by a XXXX XXXX XXXX and his associates, three of them recently convicted for harming me through XXXX XXXX and XXXX XXXX XXXX. USAA pulled a stunt where my VA benefit money was deposited and froze the funds. I had no food or clothes as my USAA homeowners didnt believe me or the XXXX XXXX XXXX XXXX Lab photos of me burned, beaten, and scared at the hospital. The worst thing about this is I have suffered multiple XXXX XXXX and XXXX diagnosed with XXXX. USAA allowed XXXX XXXX XXXX to be on my accounts and from what I can gather became a signer and that man was unstoppable. I couldnt pay for my mortgage, food, anything, it was all being taken from me. I didnt know who XXXX was to me at first but then after 20+ XXXX XXXX inflicted by that man, a XXXX XXXX, and more it was always around the first of the month when I was getting paid. I would call in to USAA not knowing what to say or do, I have come a long way in my recovery but I asked please close the accounts. USAA declined to close the accounts because there was pending transactions. I would call time and time again to get the same comment that they cant until the pending transactions are cleared. End of story. How do you stop someone if the bank wont help, instead enabling him. The frozen funds were held as soon as my protected VA benefits were deposited since the criminal with convicted associates who harmed me was over drawing the accounts which should have alerted the bank. Back then I operated the best I could with the XXXX, the XXXX XXXX, and the convicted men show that there was and is something going on with the unanswered questions I posed regarding XXXX liability coverage. The frozen funds left me without heat in winter, no power, all just before COVID started as I suffered an attack by XXXX XXXX XXXX where he plowed through a door I put 2x4s up to protect me as pictured and and sent to XXXX XXXX XXXX. This man and his associates are awful and most recently exploited my XXXX XXXX account that has the VA benefit check going to be protected yet the criminals siphoned at least one months pay as I was in the VA Hospital for a whole month showing the VA staff that the exploitation was more advanced than they previously believed. So if the VA, XXXX XXXX Police, USAA Bank and XXXX XXXX didnt believe me until I could gather enough evidence apparently, because XXXX XXXX XXXX is a convicted XXXX. The frozen VA benefit money was supposed to be protected and I was going to pay my natural gas bill but couldnt since XXXX and USAA seemed to be on the same side of history of not doing the right thing. I tried making a complaint with the comptrollers office but that didnt get anywhere. I filed a report to FINCEN ( e Crimes ) and they were made aware in XXXX XXXX of the exploitation of my VA benefits, property and life, but no actual resolution and the financial crimes continue from the XXXX team. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX his mother, are on camera footage when I was in the VA XXXX stealing my XXXX or having possession of my already reported stolen XXXX went out of state to XXXX, Nevada to spend my VA benefit money at the Casino as the USAA bank records show. I reported this to USAA eventually and they did not care, they did not honor their promise about XXXX liability. Eventually I was able to close the accounts, take a step back, deep breath and had my mother become a VA Fiduciary for me since no one did a thing to protect me and still USAA owes me a lot of money because XXXX XXXX added himself onto my accounts while his fried XXXX XXXX was being convicted of having my bank cards or something along those lines. Who can help me with this complex frozen VA benefit funds and all the exploitation of my VA benefits through fraud, abuse, and disregard for life itself. I ams lucky to be alive. Any help would be appreciated. One of the USAA account numbers : XXXX That is one of a few XXXX XXXX and his associates targeted.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: USA hey initiated a fraudulent claim back in XX/XX/2019 when I reported my identity to have been hacked and my credit card and debit card do you have been taken and in the process of reporting this information to USAA I disclosed with them amounts totaling nearly {$5800.00} in which the money was taken from my account transferred outside to another account and then re-transferred into the account that the money was finally pulled from after making payments to the account to lose the trail of fraudulent activity. In this situation I reported my car stolen and try to alleviate any issues in regards to the monetary loss as well as the negative balance owed on my credit cards and The decision USAA concluded was that I was at fault for such fraudulent activity and held me accountable for the {$5800.00} that was fraudulently taken or stolen for me via my credit card cash advance and deposit accounts at that time there was a stop payment and hold on my account for my other financial institution service credit Union that notified me of such fraudulent activity and filed a claim in regards to the loss of the {$5800.00} that was blamed fault upon myself. With the assumption that the stock payments and any transactions were to occur from my financial institution and USAA the actual stop payments were lifted from USAA and a second attempt to obtain my information identity and causing a similar transaction a fraudulent activity to occur again on my accounts in nearly the same interactive online banking methods as was conducted in early XXXX. I once again reported the situation to USAA only to hear that they were not at fault for the transactions can not justify the transactions and decided to do a far more negative response or interaction with me by closing my accounts all of my accounts. Once this had occurred I was notified in XXXX and XXXX that they did not want to conduct any business with me any further on the banking side and notified me that I needed to find additional or outside services for car insurance and other insurance needs as USAA felt it was easier to get rid of me than it was to help me. I served as a loyal customer for 14 years with USAA for them to only drop me at the head of a dime I no longer want to conduct business with me simply on the case that they were not taking responsibility for their actions and their inability to comply with specific security and financial risk management tactics for avoiding fraudulent activity on accounts and conducting proper investigative methods on finding out why the fraudulent activity had occurred once again on my account the only difference this time around was my cards were fully paid off and then were charged the full amount plus an additional {$2200.00} were added to the original authorized debit advance withdrawal limits that exceeded the credit limit balance authorized for each card. This occurred on multiple accounts of my credit cards and my spouses credit cards and once it was identified remediation was not in effect rather I was held accountable for a {$4400.00} P balance due on one credit card and an {$8800.00} balance due on another credit card within a two month frame the credit cards were sent to a consumer collection agency for resolution instead of finding proper fraudulent activity with which my other financial institution was able to find USAA then again held me accountable and has reported to the credit bureaus this in accuracy. I have spoken with a legal advisor to assist me in what mediation methods can be done and what resolution can occur from such problematic activity. Along side the recent situation with USAA and closing of accounts with discriminatory actions are similarly involved with this such situation and Im reporting this directly to the CFPB to help me find resolution as USA does not seem willing to assist me and remain remediating the balance due on my accounts that have been shut down without my authorization or consent. Due to USAAs disclosure agreements and arbitration agreements the violation of discriminatory actions against myself and my accounts were not taking into consideration under the SCERA and the monetary lending act with which was also a violation of the law that should be filed appropriately and alongside the current consent every payment to the service members who are authorized a remediation on their accounts under the USAAs military benefit program and the use of USAA federal service bank.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94605
Submitted Via: Web
Date Sent: 2021-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I found out today that a joint account I've held for several years with someone granted the joint holder access to all of my individual accounts. USAA as a bank should be shuttered over this violation of trust. All joint accounts should be audited to see if the holders have access to individual accounts that aren't theirs.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80104
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: USAA credit card held a credit card payment for 7 days. In the mean time, auto-draft bills from the credit card account got declined and USAA had no resolution on and offered no work around.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 789XX
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I applied for a mortgage with USAA. I was preapproved for $ XXXX. I purchased a home for much less than that at $ XXXX. I had several issues with my loan processor and most importantly with her supervisor in bullying/insisting that I sign a waiver to my right to my appraisal within the allotted 3 days before closing timeframe or they would push back my closing. The appraisal was requested on XX/XX/XXXX. It was initially received on XXXX and it appraised for less than list. Keep in mind that the home was built in XXXX at XXXX sq feet. The average price for homes of that size in the area are north of $ XXXX XXXX zip XXXX ). My first complaint is the appraisal process -- these homes should not go into " XXXX '' which is not a TREC term but a SA term because of the high number of appraisals undervaluing the homes even though comparables support the list prices. I feel this is modern-day " red-lining '' to keep certain XXXX groups of middle income from buying in up-and-coming neighborhoods. 2. My second complaint is the legality of USAA forcing applicants to sign a waiver to receive their appraisal report within the legal time limit. I have emails and documentation to support all of my complaints.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: Unauthorized Funds Transfer into my account of {$1000.00} Unauthorized XXXX transfer out of {$1000.00} Unauthorized Funds Transfer into my account {$300.00} Unauthorized XXXX Transfer out of {$1000.00} Unauthorized Funds Transfer Return {$1000.00} Unauthorized Returned Item Fee : {$5.00} Unauthorized Funds Transfer Return {$300.00} Unauthorized Returned Item Fee : {$5.00} Account was hacked, address and phone number changed. Funds stolen via XXXX. USAA wants to keep MY funds saying I am liable even though i had nothing to do with this and have been a customer of USAA for 13 Years as a XXXX Veteran.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AK
Zip: 995XX
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have been lock from banking activities for three days now. On XX/XX/XXXX, I attempted to access my bank information through the USAA app on my XXXX, my phone, and online via the web. All attempts indicated that my access was restricted due to security reasons. I called USAA at XXXX XXXX and after I entered my member number, the recording stated it did not recognize my ID number, said their offices were closed, and immediately disconnected the call. Their call center is never closed on a regular weekday at XXXX XXXX I made several attempts to call and it continued to hang up on me. After calling once more, I didn't enter my member number it did not hang up on me or state they were closed. After waiting 30 minutes, I was transferred to someone who said their Security Dept. was closed for the day, transferred me to someone else and was on hold again for 30 minutes, when that person came on the line they said they were going to transfer me to someone else. I refused to be transferred asked why my access was locked and was not given an answer. I had payroll deposits and checks deposited that indicated the funds were available. I went to the ATM and both attempts to withdraw funds indicated I had insufficient funds. My withdraw requests were below the available cash balances within the daily withdrawal limits. I just received a notice from my cell phone provider that their attempt to collect payment for my bill was declined. I have notifications set for USAA to contact me via e-mail regarding account fraud or security matters and nothing has been sent to me explaining why I can not access my funds and why payments are being rejected.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92596
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
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 a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92692
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A