Date Received: 2021-06-02
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: USAA Federal Savings Bank did not send me any notifications of a car payment was behind or in repo status. My husband had the car. Me and my husband separated due to XXXX XXXX over a year and half now. My husband also got {$5000.00} money from XXXX XXXX for the car in which I recently found out. I was getting the run around last year due to covid 1to reclaim 9 in which was going on sent 2 letters to USAA Federal Savings Bank with no reply. I was the co signer on the loan in which i could never get no real information to the loan by USAA Federal Savings Bank. I never received any letters of payments behind or the car went into Repo status with USAA Savings Bank. There was no notice to reclaim the car in repo or any letters mail to me of any kind to the said car. I now received a letter from XXXX XXXX in which is a collections company. I have also talk to attorney about this situation with this loan about notice of the the car payments behind and no letters to reclaim the car when it was going into repo status from USAA Savings Bank.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89121
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The mortgage servicer for USAA, XXXX, refused 3 payments I made through online bill pay without explanation and then attempted to charge me late fees after they refused payments. They payments were returned to my bank account without explanation, despite multiple inquires. Additionally, I have made partial payments which they have not applied to my loan balance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: 40222
Submitted Via: Web
Date Sent: 2021-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-01
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: I am being held responsible for a damaged item that was returned from XXXX for {$100.00}. I was promised a refund and never received it and XXXX mastercard is basically telling me to deal with them for my refund and merchant is telling me to deal with credit card .. I dont feel protected at all by the credit card company as a consumer..
Company Response: Company can't verify or dispute the facts in the complaint
State: NY
Zip: 10312
Submitted Via: Web
Date Sent: 2021-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I hope all is well.. I would like to state thank you very much for giving me a credit card with your company for all these years. Its very much appreciated. The first time in all the years I have had my credit card during the pandemic of the Corona virus I was late a couple times for the first times. I really do apologize my hours were reduced and I had a baby as well. It will not happen again because Im back working my regular hours and my newborn and son are in daycare while I work or my mothers watches them. Im about to pay the card completely off and as a courtesy can you please take off all the late fees that occurred because it was the pandemic fault. This will help me out a lot, I really do apologize this my first time being late a couple times ever since I started with the credit card. Please take all the late fees off. I will be paying the credit card off in the next couple of months. I really need the late fees off it will really help me. Thank you very much. Have a wonderful day and please be safe. XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28306
Submitted Via: Web
Date Sent: 2021-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I not only have tried to take care of this through USAA but I have also sent in writing a recap of what all has transpired to you the Consumer Protection Agency in which I mailed XX/XX/2021. I had sent USAA two prior notes with no response back in writing. As noted in my correspondence to you and USAA, I have always had impeccable credit and pay all my bills in time and very disappointing and frustrating that this has not been taken care of and has affected my exceptional credit rating and report. Please let me know if you have opened and read my letter that was mailed to you that explained the situation. This has been very frustrating for me that no one takes care of their business. I owned a business for years, and if I would have handled my business like this, I would not have lasted a month. Very sad where service and accountability with this country have gone. XXXX XXXX
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: TX
Zip: 78666
Submitted Via: Web
Date Sent: 2021-05-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My husband had a USAA credit card ; he died on XX/XX/2021, so I closed all his credit cards. I had no problems, usually faxing a certificate of death, if that. USAA has been IMPOSSIBLE to deal with! I have a {$130.00} credit balance, and they are refusing to return it, and instead send me a monthly statement showing the credit. I called the customer service telephone number the statement provided then spent over an hour and a half this morning dealing with no less that four people. We had faxed in XXXX the death certificate ; now USAA wants a copy of my being my deceased husband 's Personal Representative. I was able to upload a three-page document completed by my attorney, but USAA refused to accept it since it didn't show the notary public 's appropriate information. I don't know what else I can give them. No other credit card company has been this difficult to deal with! USAA owes me {$130.00} and I will never see it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80503
Submitted Via: Web
Date Sent: 2021-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-26
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I was authorized a rental car through XXXX XXXX through my insurance company USAA in XX/XX/2021. My XXXX XXXX XXXX was XXXX. On XX/XX/2021, I spoke with a gentleman named XXXX at the XXXX, NJ, XXXX location who told me I was on XXXX XXXX " Do not rent '' list, and I was denied the reservation I had just made to use reserve a rental car. This caused great personal inconvenience and XXXX. XXXX gave me a phone number to call to speak with " XXXX XXXX. '' As of the date of this complaint, I have contacted XXXX XXXX no less than a dozen times at XXXX XXXX XXXX XXXX, and yet there remains no resolution to this issue and I remain on XXXXXXXX XXXX XXXX Do not rent '' list with resulting personal stress, anguish, and embarrassment. I have left multiple messages again and again and again, and to this date, no one at customer service has bothered to call me back. On XX/XX/2021, a representative actually did answer the Customer Service line, she identified herself as XXXX. XXXX listened to me explain the issue, although she could not provide a reason for why I would be on the " Do not rent '' list as she confirmed my insurance company had paid the cost of the rental in full. She promised that she would forward my information to the " Do not rent '' team and someone would get back to me ASAP. No one got back to me ASAP, or ever again. I have followed up by phone three times since then, and have received zero response. Yesterday, I contacted my insurance company USAA to assist with the problem, but they were either unwilling or unable to help. They did confirm, however, as XXXX did as well, that my rental was paid in full and there should be no reason for me to have any issues at this point. Again, this has caused a significant amount of XXXX and inconvenience in my life, to say nothing of the time and frustration at trying to resolve this problem ( which shouldn't exist in the first place! ) with zero response, help, or assistance from two reputable companies like XXXX and USAA.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2021-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-27
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: USAA FED SVG BK- XXXX XXXX Closed account XX/XX/2020 I did not receive any notices by law for the car by USSAA FED SVG BK XXXX XXXX bank no notice to retain the car. My husband and I was going threw a divorce when he took the car change all information and insurance. I was a victim of XXXX XXXX. My husband lost his rank in the XXXX and discharge him on base. I could not find the car or knew where he was or the cars. I don't understand why I never received any notices after writing the bank and getting the run around. Every time I call it was another person never no one person. Some one going to call back but never call to resolve none of the issues at hand.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 923XX
Submitted Via: Web
Date Sent: 2021-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In XX/XX/XXXX, I began to draw down my USAA checking account ( account number : XXXX ) and its companion credit card account, Signature Visa ( account ending in ***** ). I tried to close both accounts but I was stonewalled by USAA, so I left both accounts in limbo ( bad mistake on my part!!!! ). During XX/XX/XXXX, I began to receive dunning emails from USAA that said that I owed monies on the credit card account ( attachment # 1 and 2 ). I telephoned USSA and asked their staff members how I had acquired these charges. They were very evasive. From what I could deduce from an examination of my web site account, there was a returned check ( I did not write any checks on this account after the draw down and it is a credit card account ) and a mountain of non-sufficient fund fees. The USSA staff was not able to tell me to whom the check was written. USSAs letter of XX/XX/XXXX states that the monies due to them for the credit card account ending in XXXX was {$31.00} ( attachment # 3 ). After many fruitless go arounds, I decided that I wanted to be rid of USSA and I bite the bullet and wrote them my personal check number XXXX for XXXX XXXX dollars and XXXX XXXX cents ( {$7500.00} ) with a certified letter requesting closure of all accounts ( attachment # 4 ). The United States Postal Service certified that the check and letter was delivered to XXXX on XX/XX/XXXX. XXXX at XXXX ( attachment t # XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX member who gave his name as XXXX XXXX their Credit Card Services called me asking for a XXXX XXXX dollars plus ( XXXX ) payment. I told him I already sent a check to USSA for XXXX. He said he couldnt find it so I should give them another payment. I said that could lead to double payments. I asked him if the XXXX XXXX dollar and XXXX XXXX cents would cover all my accounts so they could be finally closed. He said he was in credit card and couldnt tell me about my other USSA departments. I asked him to put, on the phone, a supervisor who could view all departments. XXXX said that there was none available. At that point, I ended the conversation. I received an letter ( attachment # 6 ) from USAA dated XX/XX/XXXX asking for a total due of {$40.00} for a credit card account ending in XXXX. I have no knowledge of this account!!! I received an USAA letter dated XX/XX/XXXX stating : We strongly urge you to ... immediately pay the amount due of of {$40.00}. There is no explanation of how I could have amassed such a debt and also is it all that USAA claims that I owe ... ... Just pay! On XX/XX/XXXX, XXXX XXXX am, I received a telephone call from XXXX who said that she was a representative for USAA and that I should send them XXXX dollars ( {$40.00} ). I asked if this would settle all monies owed ro USAA. She said that she did not know. I asked her to put on the phone an official of USAA who could assure me that this amount would cover all claims by them. XXXX said there was no such official available. I have sent to USAA my check # XXXX dated XX/XX/XXXX for {$75.00} ( photo of check and certified letter included in my complaint ). USAA will not tell me if the {$40.00} is additional to or is all that I owe them. I just want to be rid of USAA now and forever! We receive a recorded USAA debt collection telephone call several mornings a week at around XXXX XXXX Can you help me end this nightmare with USSA. I just want to know how this mess began, how it ballooned into such a large sum and how to be rid of USSA forever. an you help me get out of this fiscal XXXX. Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2021-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Regarding Disputed Credit item USAA SAVINGS BANK Date Opened XX/XX/2021. Dear XXXX XXXX,. I do not recognize or acknowledge the following items listed on my credit file : USAA SAVINGS BANK LOAN TYPE CREDIT CARD I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding this item listed on my credit file : USAA SAVINGS BANK Date Opened XX/XX/2021. As per Section 609 FCRA, I am entitled to see the source of the information, the original contract containing my ink Signature. If you can not verify this account with the original contract, I will expect a response of receipt of this letter to see the item in question DELETED OR REMOVED from my credit file. Sincerely,
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2021-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A