Date Received: 2021-03-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In the first week of XXXX, I spoke with my lender ( XXXX XXXX XXXX which is the mortgages arm of the USAA ), asking for a forbearance on my VA loan. They said okay, and gave me 3 options of repayment after the forbearance ( which would last 3 months ). The first option was to pay a lump sum, the 2nd option was to get a loan modification, and the third option was to push back the forbeared months to the end of the loan term. I told them I wanted the third option no matter what and they told me I could do it at the end of the third month and that they would let me know in the third month. The third month has passed and I went to check the website to pay the next month mortgage payment and noticed that my mortgage had been adjusted. Today, ( XX/XX/XXXX ), I called the my lender and asked why this had happened and they told me it was a loan modification that I had not consented to. I told them this is not what I wanted, in the very beginning I said I wanted the third option and they told me that this loan modification was all I had been offered. I asked them to give me the third option and they denied me that option. The reason they gave was because the VA doesn't give that option so I didn't qualify for that option. I asked them if they asked the VA or had proof or documentation that I did not qualify and they could not answer me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91387
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: USAA and XXXX XXXX were reluctant ( decline ) to give me the third option of getting out from my forbearance. These are the option : 1. ) lump sum payment. 2. ) re-payment plan ( modification/re-finance ). 3. ) to put due amount ( 3 month of forbearance ) to the very end of the loan. My loan is a VA type of loan in the first place. USAA/XXXX XXXX denied me of the third option which I'm specifically ask/requested before the forbearance started in XXXX. I'm willing to get back to normalcy of payment but they're forcing me to take the second option which I didn't approved. I ask for the third option in the first place from the very beginning of forbearance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91387
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
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: On XX/XX/2021 I placed an order at a restaurant called XXXXXXXX XXXX XXXXXXXX XXXX, as directed I went to the restaurant to pick up my order and the worker told me they had no record of my order and had no food for me. I showed the restaurant worker the pre charge on my phone that o a pending charge of {$75.00}. The worker then proceeded to berate me saying there was no order. I then advised the worker that is alright I will go to another restaurant, to cancel my order. I then left and picked up dinner at another restaurant ( left without any food because there was none and I was being treated with disrespect ). XXXX XXXX still charged me the {$75.00} and I then disputed the charge with USAA banking credit card services explaining in detail what had happened. I then received a letter from USAA stating they needed more information, I call them immediately, spoke to a representative and further explained that I did not receive, nor did the restaurant have any food for me. The USAA representative I spoke to said they would get the information to the dispute department and said the dispute would be approved. On XX/XX/XXXX I received a letter from USAA stating that my dispute was not approved. It is unethical for the restaurant and USAA to treat this matter in this manner and I hope that you can assist me in resolving this matter. The USAA dispute number is XXXX. Please let me know if you need anything else - thank you for your time.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80923
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: I was falsely reported dead to USAA. The person who reported me dead withdrew the money from my CD and closed the account. I reported this to the fraud department of USAA and they said there was no fraud. There wasnt anything they could do. I reported it to the police department. The investigating detective said he found several felony charges. USAA allowed this crime to occur and did nothing about it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 17315
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This bank USAA has continued to charge me late fees. Each month, I have made my payments using my bill pay for my bank XXXX XXXX XXXX. Every month, USAA sent my payment back and not once tried to get a hold of me to make me aware that the full account number needed to be on the front of the check that is sent in. I have called USAA several times letting them know that this was an issue that my bank kept sending payments in on my behalf and none of the checks were being cashed by USAA making me accrue a late payment. Why would the representatives not know that the full account number is not disclosed on the statement, but USAA expects me to guess this information and know that it should be on the cashers check before my bank sent the payment in. USAA 's reps didn't know, so how would me or my bank know that this was an issue? USAA allowed this to go on since XX/XX/XXXX, which is almost 1 year of sending back my payment for my credit card. They should not have been charging me any late fee when my bank issued a check. Why didn't anyone know that this was going on almost every month for almost 1 year?? This is a banking issue, not an issue where I had any control. I made my payment on time each month in good faith. Why would this type of thing even be going on with a Federal Banking institute? Today ( XX/XX/XXXX I received a call from XXXX XXXX XXXX ( Advocacy Advisor I ) ( XXXX ) XXXX ( Mobile ( XXXX ) XXXX, shortcut # XXXX, spoke to her by phone for 1 hour, told her about me being charged all those late fees and explained to her that I expect USAA to refund all those charges and that this issue was through no fault of mine. I have a printout of all the checks that my bank ( XXXX XXXX XXXX ) made out and sent to USAA to only have those payments be returned back to the bank and I bee charged a late fee. This is not right and I expect USAA to refund any additional late fees they they charged me XX/XX/XXXX - {$21.00}, XX/XX/XXXX - {$21.00}, XX/XX/XXXX for {$25.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92571
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: Currently my husband and I hold a lot of accounts with USAA Bank. We opened several youth checking accounts but were never told about their secret policy that they have. Back in XX/XX/2021 my husbands XXXX XXXX XXXX called USAA to request a debit card be sent to his address. ( He lives with his mom ). His mom took over the phone call and verified her sons information. She then was able to have a debit card sent to her physical address and on XX/XX/2021 she went and spent all the money in her sons account for herself even though she didn't open this account and is NOT an account holder. USAA never contacted my husband or I that a new debit card has been issued or that the XXXX XXXX XXXX had called in. According to them any child ages XXXX are account holders and as long as they can call in customer service and give permission to a " legal '' guardian than that said guardian can them make changes to the account including ordering a debit card, having it shipped to a different address than on file and are able to access the funds in the account. They are treated as an account holder even though they are NOT an actual account holder. This is not listed in the terms and conditions or disclosures. If we were told that a biological parent could become an account holder by the say so of a minor we never would have opened these accounts. I asked for documentation that states that is a policy and they said that they cant not provide that to us. So basically money that does not belong to you can become yours as long you can get a minor to say you are there legal guardian and have the DOB or SSN information.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: MO
Zip: 64157
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX. Box XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. CREDITOR CONTACT INFORMATION : USAA SAVINGS BANK XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX Credit Dispute Research XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXXXXXX Credit Bureau Dispute XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX XXXX and XXXX XXXX maintain integrity for the American consumers. The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information. 2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed. 3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor. 4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time. 5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports. 6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency. I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry. DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission XXXX FTC XXXX has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and XXXX ii XXXX the consumer has authorized in writing XXXX which authorization may be made on the document referred to in clause XXXX i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and XXXX ii XXXX as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment applicationhas been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and XXXX ii XXXX a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ). I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. B. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. 5 U.S.C. 552a ( a ) ( 2 ). Comment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( 2018 ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., Raven, 583 F.2d at 170-71 ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; Cudzich v. INS , 886 F. Supp. 101, 105 ( D.D.C. 1995 ) ( A plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ). The Privacy Act generally covers citizens and lawful permanent residents, but others have some protections. Generally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in Source Book at 232, XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX Fed. XXXX. at XXXX, XXXX XXXX XXXXXXXX. The Privacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., Raven v. Panama Canal Co., 583 F.2d 169, 170-71 ( 5th Cir. 1978 ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from Privacy Act coverage ) ; Soto v. State, 244 F. Supp. 3d 207, 208-09 ( D.D.C. 2017 ) ( per curiam ) ( unpublished table decision ) ( citing Fares v. INS, 50 F.3d 6 ( 4th Cir. 1995 ) ) ( [ Privacy ] Act only protects citizens of the United States or aliens lawfully admitted for permanent residence. ). IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIESFROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 114XX
Submitted Via: Web
Date Sent: 2021-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I initially filed a dispute for a service with my bank, USAA that I had on XX/XX/2020. I was given a temporary credit for {$70.00} the amount in dispute. I have sent in lots of proof of what occurred as they asked for additional information in which I provided it to them. I use the USAA XXXX XXXX for my banking needs and I was not aware initially that correspondences regarding this dispute were even sent to me until I made the call and spoke to a representative who acknowledged that these were not provided under the app and agreed with me that they should have been. So that is an error on the banks end. I had no way of providing the information the first time without knowing what was being requested by the dispute team. So I called and had the dispute reopened and I provided all applicable documents on the app in which I have confirmation of. I called back and explained and was told I have no dispute rights. I see they are trying to reverse {$140.00} when it should only be {$70.00}. I am going to attempt to contact the bank tomorrow to further discuss with a higher department hopefully to get resolution. I was also promised a call from a dispute analyst and that never occurred. I am very disappointed in the way this dispute has been handled. It is now mid XXXX and this has been dragged out far too long. I have provided more than enough information and I want this resolved as I feel I am in the right due to the evidence and circumstances of this dispute. I feel that there were multiple errors during this dispute process. The bank mishandled my dispute and falsely claimed I didnt submit documents therefore the bank is in direct violation of Regulation E and is now holding me responsible due to me not providing information to the bank. All information as well as pictures and requested information was provided yet the bank failed to follow proper procedures and process the dispute in a timely accurate way.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85029
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: USAA Savings Bank issued a credit card in my name to someone else in a different state on XX/XX/2020. I did not find out about this situation until approximately one year later when being contacted by a collection agency. I have contacted USAA concerning this issue and they refuse to talk to me directly nor rectify the situation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2021-03-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, State, Zip Code : XXXX NV XXXX Telephone No. : ( XXXX ) XXXX Fed Ex XXXX RECEIPT REQUESTED Date : XXXX To : USAA Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Dear USAA BANK AND ABOVE- ( ALL ABOVE-NAMED PERSONS -USAA EMPLOYEES ) ARE BEING SERVED FOR SMALL CLAIMS COURT AND CIVIL COURT : XX/XX/2021 ( See Attached Documents ) This letter is a demand for payment in the amount of $ XXXX.and fix my credit from all 3 agencies. I believe I am owed this amount because of the following facts and circumstances : After reviewing my credit report, I am writing to dispute the following inaccurate information, all of which result from FRAUD CHARGES ON MY USAA CREDIT CARD XXXX and is not information relating to any transaction I made. Please investigate each account listed below as the charges are fraudulent and were made without my consent. I was bullied by all your staff at USAA bank to pay the fraud charges of {$1800.00} DUE TO YOU RUINED MY CREDIT. I am a XXXX XXXXyear XXXX XXXX veteran living on XXXX pension. Why would I ruin 40 years of XXXX credit score? After contacting the local police agencies and the FBI they both stated I should of not paid the fraud charges until it was fully investigated by USAA fraud department and a letter was sent to me clearly denying my claim. I have consumer rights by law to file an Affidavit of complaint. I also contacted a local law firms here in XXXX XXXX that are experts in this matter and they clearly stated to me I should have never paid the fraud amount until a professional investigation by USAA was done. I was told that this is the first step I must do to fix this matter. I have asked over and over to do a complete investigation and check the atm cameras and I can prove I was not in the same state that the fraud occurred. ( No investigation was ever done by USAA Fraud Department ) I was never allowed to speak to someone in the fraud department. I was never notified in writing that USAA Savings bank denied my fraud charge claim and I was responsible for all the charges on my account. I would like to see prove that I received those notices in writing. This whole matter has brought me to an incredibly sad mental state and have had counseling over losing my house due to now I cant refinance my house with bad credit. ( Police reports Filed ) XXXX XXXX XXXX Police XXXX / FBI IC3 Ic3 XXXX The XXXX XXXX XXXX police have started the investigation and taken my affidavit of prove that I was not in the states or locations of the fraud on my credit card. The FBI IC3 unit has also started their investigation and received my affidavit of prove. I have currently filed in smalls claims court and with my Attorney next will be civil court after all the investigations are completed. I am so upset regarding this matter against me I am going to have an interview with XXXX XXXX XXXX ACTION NEWS In XXXX XXXX on XX/XX/XXXX with their consumer fraud investigation team. After my Attorney reviewed my evidence of my case and my deposition, He agreed to take my case free of charge. ACCOUNT NAME - ACCOUNT # XXXX Please investigate this account, as the charges are fraudulent, and were made without my consent. are hereby informed that you have ten ( 10 ) days from the date of this letter to pay the demanded amount or to make a satisfactory arrangement with me to fully resolve this matter. If you are interested in mediating this matter with me, please contact the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX is an opportunity for us to craft an agreement with a neutral third party that might keep us out of court. It is confidential, expedited, and free, and you can negotiate agreement details without a judgment being placed on your financial record. My contact information is listed above. In the event this matter is not resolved to my satisfaction, or if I do not receive or accept an invitation to mediate, then I intend to file an action in Small Claims Court and civil court where I will also request that you pay the costs of suit associated with having the matter heard by the court. Please guide yourself accordingly. Sincerely, Signed : ______________________________ XXXX XXXX XX/XX/2021 XXXX I am asking for 1 simple thing fix my credit and return my {$1800.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89012
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A