Date Received: 2021-05-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: USAA Savings bank credit was called about issue. Issue was resolved for 2 years. Suddenly, bills started appearing again. I do not owe any $ $ XXXX No goods/services were purchased on this account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2021-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-20
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: USAA XXXX XXXX XXXX. XXXX XXXX, TX XXXX XXXX XXXX XXXX Dear USAA Underwriting I would like to ask you to reconsider my application for your Preferred Cash Rewards credit card. I recently applied and I was rather surprised to receive a denial regarding my application. Due to the numerous positive reviews shared by my family and friends with respect to this card, I would like to share some more information with you in hopes of obtaining an approval. In your letter, you listed that the reasons for the denial were : - Presence of a bankruptcy - Time since most recent bankruptcy is too short - Insufficient number of open real estate loans recently reported - Total available credit on recently reported open bankcard accounts is too low However, I would like to shed some more light and update some of these issues. Firstly, one of the reasons I have a bankruptcy due to almost losing my battle with XXXX by attempting to XXXX XXXX. I was in the XXXX for one week, and I had just started a new job so the medical insurance had not kicked in. The hospital Bill was XXXX XXXXXXXX and immediately put me in debt. Filing for bankruptcy was the only option to remedy the issue. To add, Its been 4 years since filing for bankruptcy, and as you can see, I have rebuilt my credit and boasts a 100 % payment history on all 15 positive accounts. Additionally, I do not have any real estate loans as I have never wanted to be a homeowner. However, Im interested in purchasing a couple homes and multi family properties for the sole purpose of XXXX and XXXX temporary rentals. Im currently in the process with XXXX XXXX of gaining my first mortgage pre-qualification. Furthermore, you stated the total available credit on recently reported open bankcard accounts is too low. This doesnt make any sense when all of my cards are under 30 % utilization. For example, I have a XXXX XXXX credit limit on my XXXX XXXX XXXX XXXX cash rewards is only XXXX XXXX, which is 15 %. My XXXX XXXX XXXX is {$300.00} balance out of {$3500.00}, which is only about 8.5 % utilization. The Preferred Cash Rewards credit card will prove especially useful to me because I travel a lot and the no foreign transaction fee feature is a great fit for me. Also, the 1.5 % cash back can be put towards the principal balance due every month. I sincerely believe that I deserve a chance with this card. Not only did I rebuild my credit within 6 months, but I currently gross {$140000.00} annually, and I have a pretty robust stock portfolio weighing in at {$39000.00}. I also have accounts with XXXX XXXX, XXXX, and XXXX Bank. If you are willing to give me a chance, you can even start me with a low credit line of {$5000.00} so I can prove to you my reliability and loyalty to this bank. My checking account currently has a balance of {$10000.00} to show Im worthy. I thank you for your time and reconsideration and I hope to hear back from you soon. Best, XXXX XXXX, XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32303
Submitted Via: Web
Date Sent: 2021-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78023
Submitted Via: Web
Date Sent: 2021-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In 2011 my wife and I took out a XXXX dollar HELOC loan to address some issues with the house we presently live in. The credit line was available for five years ; after which, it turns into an installment equity backed loan. That has not happened. All 3 credit bureaus are still reporting the loan as a line of credit with available credit and balance. This is not correct and my credit score is being, adversely, affected. My total revolving credit line is incorrect, as well as, my total revolving balance. The total credit limit listed is : XXXX Actual : XXXX Current Used : XXXX Actual : XXXX I was informed by the lending entity that this is just the way it is. This would suggest that it's fine for lenders to provide incorrect information that affects future financing endeavors.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78238
Submitted Via: Web
Date Sent: 2021-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-17
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XXXX XX/XX/2021, I made an online payment of {$8500.00} towards my credit card. I went to use my credit card to purchase appliances on XXXX XX/XX/2021 and my purchase was declined. I called USAA, the credit card company, and was told by the customer representative, 'Sherry XXXX, that the payment I made back on XXXX XX/XX/2021 has a 7 day hold on it. The payment cleared my bank on XXXX XX/XX/2021! Consumers should not be held XXXX and denied the use of their credit card when the payment has cleared the bank! I was subjected to embarrassment and MAJOR inconvenience. I've had to put the credit card appliance purchase on hold and this creates a delay in the sale of my home! CFPB should prevent credit card companies from putting a XXXX7 day delay ' on the credit of a payment when the payment has cleared!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28079
Submitted Via: Web
Date Sent: 2021-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2021 a check was cashed against my account from a mobile deposit. The check is not mine nor do I have anything to do with it. The other person who was supposed to be removed from the account was the one who attempted to cash a {$5000.00} check using a bogus name and fake signature. She was paid {$600.00} of that the check was returned and the bank is trying to hold me responsible. I sent backs a removal form to remove her, because she unfortunately makes bad choices and had bounced a large check against her old XXXX XXXX XXXX account. After discussing my concerns in depth before this happen access should have been blocked. This situation is a threat to my good name and credit and USAA is not disputing this transaction that was done against me. I repeatedly asked for USAA policy regarding scams or fraud and I could not get a straight answer. I am in disbelief that a bank would allow this type of illegal behavior.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 658XX
Submitted Via: Web
Date Sent: 2021-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On the XXXX of XXXX, while reviewing my checking account online, I noted 2 official check requests for a total of nearly {$5000.00} which I had not authorized and had no knowledge of. I immediately contacted USAA through their secure chat line and reported them. Shortly thereafter an email from USAA said a temporary block was placed on my Ipad/tablet for the signature Visa ending in XXXX. XXXX pay transactions will not be permitted but the card can still be used. That was the only communication received from USAA. Two days later I tried to get a withdrawal from an ATM and was denied due to insufficient funds. I immediately contacted USAA and was told both my checking accounts were frozen as part of the fraud investigation, and would be frozen for 3 business days. On the XXXX of XXXX, I checked my account online and found they were still frozen, and that a fraud affidavit had been mailed to me. I asked they send it by email, but that was declined and it will go to my mail forwarding service, and I will get a pdf of its contents in several days. However, I will not get a hard copy for at least 2 weeks after I return to the US. I was also notified that the fraud investigation may take up to 180 days and may not restore the funds, depending on whether they could be recovered. On the XXXX of XXXX, I checked again online and found my account still frozen. I was told by the chat assistant that they would submit a request to the fraud department to find out how long to expect the account to be frozen, but it may take up to 3 days to get a response. I asked about a property tax payment I had scheduled through USAA Bill pay in late XXXX, which USAA said had been completed on XXXX XXXX, but had not yet cleared my account. The assistant said it had not yet been presented to USAA, but if it was while the account was frozen, it would be returned, leaving me vulnerable to the fines and fees associated with returned check. I also have a pending property tax payment which had been made through the USAA bill pay system on XXXX XXXX, but which had not cleared my account. I was told the check had not been returned to USAA yet, but if it was while the accounts were frozen, it would be returned accruing interest and penalties. Meanwhile, the only communication that I have had from USAA, besides the online chats, was that email on XXXX XXXX. So, here I am on foreign travel, with the prospect that I may not get the {$5000.00} fraud that was done through USAAs system with no input by myself may not be recovered, but my current {$20000.00} in my checking accounts are not accessible, and that my property tax payment will likely be returned. BY WHAT AUTHORITY CAN THEY CONTINUE TO KEEP MY ACCOUNTS FROZEN?
Company Response: Company believes complaint is the result of an isolated error
State: NY
Zip: 13440
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received a check from Consumer Financial Protection Bureau in the amount of {$770.00} ( Tracking # XXXX ) and deposited it by way of mobile deposit into my USAA checking account. The check was accepted for deposit and funds were made available to me, as I expected. On XX/XX/2021 I logged into my USAA account to see a balance of negative {$770.00}. USAA returned the check I deposited and told me that " XXXX XXXX was not a business ''. I explained to several USAA members that XXXX XXXX is the business involved with the lawsuit payments not the company issuing the check. I was told to " Refer to Maker '', at which time I called the Payment Administrator at CFPB and explained what is happening. I was informed by the administrator that USAA received payment for the check on the XXXX of XXXX, XXXX. I have not heard from USAA OR CFPB regarding this. As of today my account is in overdraft for the check issued by Consumer Financial Protection. The irony of this is that CFPB is supposed to help consumers against issues like this, however, I called on XX/XX/2021 and was told someone would be reviewing my issue.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: Hello, I reviewed a current copy of my early warning report and show incomplete or Innacurate information to report. I have been working hard to have report update for good cause and have not been successful with banks.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30066
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
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 have been a USAA Bank Card holder for several years and I have always made my payments on time, however, there were times as a single mother with XXXX children that I was forced to make payments late. There are 4 late payments as follows ; XX/XX/XXXX - 30 days late XX/XX/XXXX - 30 days late XX/XX/XXXX - 30 days late XX/XX/XXXX - 30 days late Every time I knew I was unable to make payments on time I contacted USAA and told them I was going to be late on my payments, I was told for all the above dates that I would be placed in a payment deferment program for 90 days and that my credit would not be affected, I found this NOT to be true. Last year I viewed my credit report and discovered that the above payments were NOT deferred but rather reported as derogatory and have destroyed my credit. For over a year I have contacted USAA via phone and wrote letters trying to get these items removed from my credit report and, I was told on several occasions they would be removed and yet still they remain.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A