Date Received: 2023-12-23
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: A few months ago, I was suddenly hit with an overdraft fee, from usaa. This was new as I had never signed up for overdraft, and if something came in towards the end of the month, it was sent back ( like say, XXXX, and it just sends you a reminder to update your payment method ). Suddenly I was hit with a XXXX XXXX overdraft fee. I complained and was told that whether or not I was enrolled, the overdraft would still be charged. I made complaints to the Texas AG, and the SEC. The next month, the account had gone back to if something came through before my compensation hit, it would just get declined. I thought nothing of it. Until tonight. Earlier this month I had planned to go to Hawaii and meet my fiance 's parents. I only have compensation so I watch my spending very carefully. As a precaution, I transferred {$400.00} from another account, before I purchased two economy tickets back. When we both returned, I transferred back {$100.00} to the account I had transferred the {$400.00} from, leaving {$60.00} to eat off of for the rest of XXXX. I had under {$3.00} in my checking account. I received an email stating that my spectrum mobile was paid and after investigating, found that USAA had overdrafted my account. So I called them, and after they tried to confuse me by saying that " I had purchased two tickets and that is when the overdraft started '' and I informed them that I had {$600.00} in there before the purchase and had transferred {$400.00} just in case, before the purchase, to make sure it went through, because my fiance and I had wanted our seats together, I didn't want the charge not to go through. So after a long wait, the associate returned to the phone and said " I was instructed to tell you this ... USAA is not responsible for the purchases on your account, unless you want to dispute the charge, and if you do not wish to dispute the charge, I am to end the phone call. '' I wished her a XXXX XXXX and hung up.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75150
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I wanted to update my earlier complaint but I was unable to so I am submitting a new complaint but it should be known that their is a previous complaint from the other day. This had the most pertinent information As per the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies must carry out their significant responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. XXXX XXXX XXXX XXXX XXXX being consumer reporting agencies, and I, as the consumer, have the explicit right to ensure the protection of my private information, as supported by 15 USC 6801. This statute articulates the Congress 's policy that financial institutions have an ongoing obligation to respect the privacy of their customers and safeguard the security and confidentiality of their nonpublic personal information. Entities that furnish information to credit agencies, categorized as financial institutions, are bound by 15 USC 1681 section 604 ( a ) ( 2 ), which specifies that consumer reporting agencies may only provide a consumer report in accordance with the written instructions of the concerned consumer. The financial institution, XXXX, XXXX, XXXX and any furnisher of information to credit agencies, do not possess my consent to furnish this information, and certainly not my written consent. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise, to XXXX, XXXX, XXXX and any furnisher of information to credit agencies. Furthermore, as outlined in 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer is informed about the option to exercise nondisclosure. The furnisher of information to credit agencies failed to inform me of my right to exercise this nondisclosure option. Additionally, 15 USC 1681c ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in consumer reports, especially without the consumer 's permission, which is the case with the account in question. Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A emphasizes that information should not be furnished to consumer reporting agencies if there is knowledge or reasonable cause to believe that the information is inaccurate. XXXX and XXXX and XXXX are not adhering to reasonable procedures, as required by 15 U.S. Code 1681e, which mandates consumer reporting agencies to maintain procedures designed to avoid violations of specific sections and limit the furnishing of consumer reports to specified purposes. In accordance with 15 U.S. Code 1681a - Definitions ; rules of construction, the term " consumer reporting agency '' is defined as any person that, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in the practice of assembling or evaluating consumer credit information or other information on consumers to furnish consumer reports to third parties. Such entities use interstate commerce means or facilities to prepare or furnish consumer reports. The term " consumer '' specifically refers to an individual. Moreover, a " consumer report '' is defined as any written, oral, or other communication of information by a consumer reporting agency that pertains to a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. It is crucial to note the exclusions outlined in 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), which specifies that a report containing information solely about transactions or experiences between the consumer and the reporting entity is excluded. Consequently, reporting transaction history without proper authorization is deemed illegal. In light of these definitions and exclusions, it becomes evident that the actions of XXXX, XXXX, and any furnisher of information to credit agencies in reporting transaction history without my explicit consent are not only a violation of my rights as a consumer but also contravene the legal provisions established by the Fair Credit Reporting Act. This further reinforces my objection to the unauthorized sharing of my private information and underscores the need for immediate corrective measures. Finally, in accordance with 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OK
Zip: 73507
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I deposited money into a XXXX banks ATM at XXXX using a USAA debit card. I got an error receipt stating to contact my institution which is USAA. so on XX/XX/XXXX I filed for a case and then it got denied XX/XX/XXXX because they have no transaction but thats because my bank is USAA and not XXXX Bank who would have the transaction since its their ATM and did not contact XXXX Banks to further investigate because they dont have ATM rights. USAA told me to file a claims case with XXXX Banks but I can not do that because XXXX Banks is not affiliated with me in any sort of way besides that I used there ATM for this transaction. And under Regulation E, USAA would be the liable party to help me with filing a case and getting XXXX $ to my account since Im affiliated with them and used their card in the ATM. Since then they tell me they cant help because that dont have the ATM right but XXXX Banks also cant do anything since they dont have my identity in there institution at all. Its now XX/XX/XXXX and they keep telling me they cant help even though Im their affiliate bank and they have no way of resolving this issue in the present or future so they are going against Regulation E and being the liable party for my account and money
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 81501
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: USAA Federal Savings Bank, at XXXX XXXX XXXX, XXXX XXXX, TX XXXX, will not accept my negotiable instruments and securities, or use my applications as tender of payment for my credit card or auto insurance policy. As a member of the Federal reserve system, USAA has access to the Federal reserve window to withdraw Federal reserve notes using my negotiable instruments and applications. USAA does not return my financial instruments that I have added value to, or my securities. USAA violates the FDCPA by creating false and misleading statements to make it appear that I owe them payments, when actually the statements are for dividends the bank owes me as an undisclosed investor. However, they provide no direction on how I may register transfer my securities through their direct holding system to start receiving payments as the entitlement holder. I removed USAA 's security interest in my accounts in XXXX. In XXXX I opted out of authorizing USAA to report consumer credit transactions between myself and USAA. When I viewed my consumer credit reports in XXXX my nonpublic personal information was still being reported. USAA also reports my banking transactions to XXXX XXXX XXXX. I have never filled out any Form SSA-89 to have my principal 's SSN released. These are violations of the FCRA. I have also concluded that in XXXX a USAA employee made a friendly phone call to me to deceptively create a verbal contract that I had no intention of entering into. List of registered/certified mailings of tenders to USAA Federal Savings Bank XXXX XXXX Rescission of security interest and tender received by USAA on XXXX XXXX ( all years XXXX ) XXXX Tender received by USAA on XXXX XXXX XXXX Tender received by USAA XXXX XXXX XXXX XXXX XXXX Tender received by USAA XXXX XXXX XXXX XXXX XXXX Opportunity to cure received by USAA XXXX XXXX XXXX XXXX XXXX Default received by USAA XXXX XXXX XXXX XXXX XXXX Tender received by USAA XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I filed CFPB complaint XXXX against USAA on Monday the XXXX and believe that I have been retaliated against by members of the USAA staff for doing so. Immediately after filing the aforementioned complaint, USAA stopped offering me the ability to verify my identity over the phone by sending a six digit text to my cell phone. All departments are now requiring me to enter a code from the " token '' on the USAA app. However, when I provide them with the token on that app, they inform me that this is the wrong code and that they are going to disconnect the call. I have reached back out to the department of the CEO ( who IS able to verify me via text message. ) They told me that they are not aware of a situation where a client would only have ONE verification method offered to them, because, under ordinary circumstances, there are backup questions that have been offered. I am not being offered any backup questions. I asked the representative from the office of the CEO how we can resolve this. She advised me that if I go to usaa.comXXXX I can upload a color copy of my driver 's license. I asked if this meant that I will no longer need to enter a security code when I call in, and she said it would NOT do that. I stated that I didn't understand how this would help my problem. The representative did not have an answer to provide me. I believe that after filing a complaint with both USAA and the CFPB, a member of USAA 's staff illegally modified the settings on my account to make it impossible for me to access support from USAA going forward as retaliation for filing a complaint.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85020
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Made a deposit via mobile app to USAA Banking XX/XX/XXXX. Once deposit was made I was advised there a hold on the funds until XX/XX/XXXX. I contacted the bank and was advised the funds could not be released until that date. According to the The Expedited Funds Availability Act of 1987 ( EFAA ) local checks cant be held for no longer than two business day. I asked if a portion of the check could be released before the XXXX as I have no money to live off as well as some payments will return as they are scheduled to come out of the account before the scheduled release date, I was advised no. USAA is the only bank that places such a long hold on local checks and it should be investigated and confirmed if legal.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I contacted USAA bank on XX/XX/XXXX after realizing my XXXX account was hacked. Someone purchased a {$1200.00} tablet with overnight shipping using my account information. I made USAA aware of this transaction after I had already changed my XXXX credentials. I provided USAA with the tracking number for the delivery, and they subsequently issued me a provisional credit for the amount lost. I explained to them that XXXX had no public-facing contact information. The customer service number refers you to the website, which doesnt allow you to speak with virtual agents. On XX/XX/XXXX, USAA contacted me, saying they could not substantiate my claim and would reclaim the {$1200.00} on XX/XX/XXXX. I was provided the full address of where the tablet was delivered and subsequently provided this information to my local police department for investigation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78758
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I sent a request to the companies asking to provide my written authorization to report my personal and private information and to withdraw all authorizations per 15 USC 6802. i have uploaded the document that sent to them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OK
Zip: 73507
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: An unauthorized charge of {$6000.00} on XX/XX/XXXX from a foreign country was made on my card. I want to emphasize that I did not initiate or authorize this transaction, and it appears to be a case of fraudulent activity. I have taken immediate steps to contact USAA however they will not remove this fraudulent charge that I did not sign for. I am seeking the removal of the {$6000.00} charge from my account at the earliest convenience.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89113
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On XX/XX/2023 an international wire transfer was sent from XXXX bank in XXXX to the XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX XXXX accepts/handles international wire transfers of behalf of USAA. When I contacted USAA to inquire about the status of the XXXX XXXX, the representative tells me there is nothing they can do and that I must contact the XXXX. I followed the international wire transfer instructions provided by USAA and sent this information to the sender of the XXXX XXXX. I have contacted the sender XXXX XXXX and they have provided me with documentation showing the XXXX XXXX has been debited from XXXX and can no longer be recalled. I am requesting USAA contact the XXXX XXXX XXXX XXXX XXXX to inquire if the wire transfer was received. USAA has refused to do this.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30101
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A