Date Received: 2021-04-05
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Interest rate not accurately calculated over last 10 years. Paying extra on card is not showing reduction in interest based on daily average calculation. I have asked for audit of my account to correct interest rate charges. System company uses to reflect no minimum after paying more is poor consumer support. It gives false ideal that your ahead but just change more interest. My interest rate does not show change of daily average. It only shows current balance which is not correct. Im asking for a complete review of my interest rate charges on my Usaa credit cards.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37075
Submitted Via: Web
Date Sent: 2021-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: USAA Credit Card and Debit missing information Reported USAA check from XXXX XXXX on hold for XXXX XXXX Fraudulent documentation Fraudulent representation Scam Missing statements XX/XX/XXXX-Current Checking-Credit card is missing statements. Account closure notification No vehicle ownership/discontinued ALL insurance policies end of XXXX first of XXXX. Impersonating representatives. Denied Auto Claim XX/XX/XXXX ACH debit from preXXXX debit card NSF FEE errors Old numbers surfaced from inactive cards Accounts in use XX/XX/XXXX. XXXX ceased but not closed mid XX/XX/XXXX. Fraudulent Representatives wouldnt close them. Account closed notification ; no access to information online Stolen cards from XXXX XXXX accounts XXXX External inquiry for use of this account XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2021-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: USAA is reporting a late for XX/XX/21 and I would like it removed. I recently have been going through a hardship because of Covid 19. I have had this account for a very long time, and have always been on time and never made a late payment. This was genuinely a mistake and I ask that USAA makes a goodwill adjustment for a loyal customer. My hours have been cut, and I have had enough money to barely scrape by. I ask that they please remove the late from my credit file. I was never late before and continue to make payments on time.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: 84401
Submitted Via: Web
Date Sent: 2021-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: This is in follow up to complaint XXXX. We found the money transferred via XXXX. It was transferred to another persons account with my phone number on it as backup and my phone number on my actual bank account was disabled without my approval or knowledge. XXXX is owned by 7 major federal financial institutions and federal financial institutions should not be favoring one payment app over others, especially when that payment app is owned by the federal institutions. How is this legal? See attachment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32835
Submitted Via: Web
Date Sent: 2021-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-01
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: This complaint is being resubmitted because the cfpb closed a previous complaint without making sure the complaint was resolved. My account was recently compromised when XXXX XXXX XXXX XXXX 's bills were imported into my account. His name was not on my account and it should not have happened. In XXXX, while we were married ... I signed a trust named " XXXX XXXX XXXX XXXX trust. In XXXX, we got divorced and I opened a new USAA account and I paid money into our joint account until things could be separated. I was told our old joint account ( while married ) was closed. I spoke to USAA a couple of times about the tab that was listed under my bill pay on my new account. USAA reassured me that it was not an issue and that my ex could not access my account. In XXXX, I signed a new trust document named " XXXX XXXX XXXX XXXX XXXX '' and submitted the cover sheet and back page which was signed and dated. In XXXX, I signed a new trust document named " XXXX XXXX XXXX Revocable Living Trust '' and submitted the cover sheet and the back page which was signed and dated. In XXXX, I changed my name to XXXX XXXX and submitted the name change court paperwork to USAA. In XX/XX/XXXX, my ex-husband ( military member ) bills were imported into my personal bank account. I contacted USAA and requested they remove the bills. In XXXX, I signed a new trust document named " XXXX XXXX XXXX Amended and Restated Trust '' and provided the cover page and back page which was signed and dated to USAA. However, I told them I wanted the accounts closed as soon as possible. USAA had my account profile updated with my name of XXXX XXXX. USAA had my correct trusts on file but failed to update my name and trusts across all of my accounts. Additionally, at some point my trust became a secondary account holder to my account. USAA failed to follow procedures and update my account information across all my banking accounts. Additionally, they failed to read and check the dates on the trust paperwork I had submitted for my account. Finally, my ex-husband 's bills should have never been imported into my personal USAA banking account. During this process, I contacted USAA multiple times. I have been unable to get my checking and savings accounts closed. I have had to submit additional complaints to USAA because my accounts have not been closed. USAA was originally a bank established for military members. I was an XXXX XXXX service member as well. XXXX XXXX XXXX XXXX has multiple email accounts.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: 846XX
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-01
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2021, I discontinued my auto insurance and USAA credit card with USAA effective XX/XX/2021. ( the end of the 6 month cycle ) On XX/XX/2021 they withdrew, what should have been, the last payment out of my checking account. However, they then took two more unauthorized payments out of my checking account on XX/XX/XXXX and XX/XX/XXXX. I sent USAA two dispute documents from my bank citing those two withdrawals. USAA has made all kinds of excuses but has not returned those two withdrawals to my bank account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89103
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: USAA has refused to provide documents it notified that it has posted to my online account on XX/XX/XXXX. USAA on that date sent me 3 emails notifiying me that 3 documents had posted to my account and I should login and get them. However my account was closed in XXXX by USAA and I can not access my account online. I have called many times to try and determine what these documents are.. USAA has promised repeatedly it would research this matter and provide me an explanation. It has been 8 months and I still have nothing. In addition, not only do I not get these documents I am treated very poorly and very unprofessionally by USAA employees and they deliberately keep my hold for hours at a time and show open contempt and sometimes hostility. I am asking that my rights be respected and that I be sent these documents immediately. I have called at least a dozen times with some of these calls lasting upwards of two hours, I have come to realize I am somehow being tormented by an internal directive that one USAA employee told I had been classified as " undesirable for life '' by USAA. I am a XXXX man with XXXX who has been treated simply awfully by a staff that is professional until the real the long notes in my account. I am transferred around like a ping pong ball never able to get these documents or any explanation of the reasons they will not give them to me. Since USAA has never really contacted me about anything since they unilaterally and without explanation closed my checking and credit card accounts, I assume that their notification to me of these documents being put into y account that they must be of some importance. I wrote a letter dated XX/XX/XXXX to the USAA Legal Department on on XX/XX/XXXX received an email from a " XXXX XXXX '' an XXXX XXXX. I have left messages and as I far as know she has never contacted me again. This XX/XX/XXXX letter asked for them to send me copies of the letters to my address, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX. It is possible there are statute of limitation issues that USAA is trying to push past by delaying my receipt of these documents. USAA should understand from time to time legacy accounts will have account issues come up that need to be.handled professionally in a timely manner. I have never seen such unprofessional behavior in a financial services Company. I have accounts at XXXX XXXX, XXXX XXXX and many others and have do not have a clue why USAA has blacklisted me as a member. I would USAA to provide these documents immediately. If sent out this week please send an additional copy to me at my hotel. XXXX XXXX, XXXX New Venture XXXX XXXX, XXXX, NY XXXX. XXXX : XXXX XXXX, XXXX XXXX. I do not have online access to my account since it has been closed. Attached are copies of my letter and emails from USAA. I would greatly appreciate it if USAA would provide these documents to me. I can be reached at XXXX or XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60137
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: Usaa refuses to accept ach payments from my bank account. It is a XXXX called XXXX XXXX and direct competition to them. How is this legal. No other options to pay but ach. They will not accept debit card payments either. How is this my problem. I will not pay until they provide a way for me to do it without violating udaap.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: RI
Zip: 02920
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Fraudulent checking USAA XXXX Account with former spouse Closed Spring XXXX XXXX Alert : Personal Information distributed dark web Communication with Impersonating representatives Unable to contact USAA No access to account
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Fraudulent USAA checking not closed as requested under daughter XXXX name. Balance on account issued XXXX month ago. XXXX XXXX : Personal Information distributed dark web Communication with Impersonating representatives Unable to contact USAA We have no access to account Fraudulent communication below.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A