Date Received: 2021-01-19
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: For about ten days prior to XXXX, I was attempting to use my USAA VISA Signature card for both on-line and in person purchases. It was rejected several times so I used another credit card. I thought there may have been errors in entering the card information or system overload during the busy and was in a rush to complete my holiday shopping. I finally called USAA customer services when I received notice from another one of my vendors that my card had again been rejected. When I finally reached customer service, I was told that there was a fraud alert on my card. I then asked why I was not advised of this alert and was told that, according to their records, I had been called by USAA. When I replied that there was no evidence of any call because there was no voicemail on my land line phone and no record of any call or voicemail from USAA on my XXXX. Nor were there any texts or email alerting me of this situation on my phone, XXXX or email account, all of which USAA has access to. When I explained the foregoing, they said I was mistaken that according to their records I had definitely been called, but they refused to give me the number they supposedly used to reach me.. I find this treatment unfair and unacceptable particularly in light of the fact that USAAs customer base is veterans and their families.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-19
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Usaa took my XXXX stimulus payment. The account was overdrawn due to fraud. I filed a police report because I was a victim of fraud. Usaa knows this.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2021-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In XX/XX/XXXX, I checked my credit to get a PPP loan for my XXXX XXXX because of Covid 19 and how it was affecting my finances. I had a {$100.00} negative USAA Credit Card balance that was listed as a charge off. So, I contacted USAA and they would not provide information. I followed up in XXXX, XXXX, XXXX, XXXX, and XXXX and escalated the situation because I just wanted it settled and off my credit report. I also filed disputes between XX/XX/XXXX and XX/XX/XXXX with the Credit Bureaus. The short story is USAA charged me {$100.00} of junk fees in XXXX and/or incorrectly charged fees and incorrect finance charges. I had much difficulty getting them to respond in writing so I began writing letters and emails ( see attachments ) with questions ; USAA answered NONE of my questions in writing and I paid them {$100.00} twice in XX/XX/XXXX in hopes of settling and making this bad mark go away on my credit report. After discussing this with an attorney, we researched and found XXXX. We think some of the rulings made in this case apply to our time period and apply to our USAA experiences from XXXX to XXXX. Last week on XX/XX/XXXX, I received a check from USAA for {$12.00} that " represents a refund for incorrectly charged fees and finance charges. This {$12.00} check from USAA to me proves that I did not owe them {$100.00} ; It also is evidence that their system knows they deceived me. We have other evidence that proves that they have had a negative impact on my credit scores from XXXX until today, XX/XX/XXXX. This has had a very negative impact on my ability to borrow money and get the credit I needed from XX/XX/XXXX until today. And, USAA played games with my credit and multiple changes with XXXX, XXXX, and XXXX ; So, USAA made inappropriate changes with the credit bureaus that I have tracked over the last 9 months. After reading XXXX, it is very obvious that I am a victim of their deceptions, illegal, and law breaking banking practices. Also, I filed multiple disputes with XXXX, XXXX, and XXXX. USAA lied and committed fraud and corruption with their responses to the disputes. USAA had systems and processes in place and they knew that I fit the XXXX and they did not notify me nor give me notice that they incorrectly charged me fees and finance charges of {$100.00} thus causing a SNOWBALL effect of irrepairable damages and harm to me, my credit scores, and my finances from XXXX to XXXX. In addition to the aforementioned, I went through identity theft in XXXX and XXXX. I had a cash balance in my USAA account and I had a CD. USAA never paid me back on my CD or my cash that I had in my USAA account. I chalked it up to the identity theft. But, looking back, and reading XXXX, they violated other sections of that settlement. I've succeeded in a rebound and overcome those issues despite USAA and their illegal, deceptive practices.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2021-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was told by a representative that the payments were not late and no late fee charged, but credit report states two late payments.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 13601
Submitted Via: Web
Date Sent: 2021-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: FINANCIAL TERRORISM! HUGE, I MEAN REALLY HUGE CLASS ACTION : SENDING EMAILS TO AS MANY CLASS ACTION LAW FIRMS AS I CAN, POSTING ON SOCIAL MEDIA EMAILING SENATORS ETC.. with proof. USAA Complaint : refuses to provide a full accounting of the Balance they allege I owe. Like all the statements from XX/XX/XXXX, which is the date USAA claims the account opened. I have no way to legally challenge the amount without the complete accounting and they know this. I have been trying to get this information for years, requested 5 times to date. ( 9 Violations ) I am also disputing the date of last activity of this account. USAA has been reporting the date of last activity as XX/XX/XXXX. This is not accurate, the date of last activity was XX/XX/XXXX. Meaning USAA has continually verified all information as being accurate when in fact it was not. ( 12 Violations ) USAA also reports this account as a recent charge-off ( CO ) every single month since it was initially charged off in XX/XX/XXXX, misleading potential creditors. ( 162 Violations ) RETALIATION & FRAUD : USAA has been deliberately causing harm to me in retaliation by re-reporting this account as a charge off every single month for the last 5 yrs. By doing that, creditors and the credit bureaus score this account as being newly charged off, which drops a person 's score far more than an account that was charged off 5 years ago as this was. Previously, once an account is Charged off ( CO, the following months would be reported as NR= ( Not Reported ) I have discussed this fact with 3 separate underwriters in the Mortgage industry. USAA does this to cause deliberate harm and this method was approved by their CEO XXXX XXXX and likely other board members. USAA literally creates a command for charged off accounts to continue to report each month, as a result my credit score is over 100 pts lower than what it actually should be. Note : I have dozens of examples how previous charge offs were reported with myself, family members, friends and relatives. I have spent dozens of hours researching others who have had charge offs in the past. What is their motive, everyone makes more money when borrowers have lower credit scores. The banks can charge more, so can insurance companies, and all financial institutions. Further, it forces Americans to purchase credit bureau memberships, just a few of the motives.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-14
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: USAA Federal Savings Bank held a mortgage on property owned by my late father. I attempted to purchase the property from the estate, but the Satisfaction of Mortgage was defective, making title to the property uninsurable. I contacted USAA to correct the issue. USAA has refused to issue and record the correct Satisfaction of Mortgage.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SD
Zip: 57401
Submitted Via: Web
Date Sent: 2021-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My card was used without my permission, consent, or authorization to make purchases and transactions.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85009
Submitted Via: Web
Date Sent: 2021-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX Over the past two weeks we have left no less than 5 messages for the negotiator, XXXX, and also a message for the office of the CEO on Monday XX/XX/11. USAA and the negotiator, XXXX had the audacity to claim we are unreachable. ******** WE WORK FROM HOME AND WE HAVE NOT ONCE EVER RECEIVED A RETURN CALL FROM NEITHER THE NEGOTIATOR NOR MANAGEMENT. XXXX **************THIS IS A VIOLATION OF THEIR SERVICING OBLIGATIONS AND IS THE TREND WE ARE SEEING ON ALL OUR FILES WITH USAA XXXX THIS IS NOT ACCEPTABLE. *************** I want a callback in no less than 48 hours from a manager with an update on the short sale.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-13
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XX/XX/2020 I received an email stating that USAA was revoking all business with me. On XX/XX/2020, my account would be closed and all funds would be held until that date. I have fought tirelessly for my money. I was told by XXXX XXXX that it could not be closed early but a check request would be issued regarding the stimulus funds.In other words, I would have to wait until XXXX XXXX. Well it is XXXX and the account is still open and now I am being told that it is because money of another fraud case or something. I don't have a fraud case open. I don't know what type of mess they are making up. I have been sent over 5 letters stating that the account would be closed on XXXX XXXX. I even have one document stating XXXX XXXX. I don't care what the issue is USAA has -- -- -I just need my money ASAP. When I called about it tonight, the rep said the fraud department would call me back in 2 days. I don't have two days, especially when there was a letter sent to me stating that I had to wait until XXXX XXXX. I want my money.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: We have a case pending with USAA and they are going after the identity theft and fraud for a car loan and credit card debt that happened to me XXXX XXXX and my Father XXXX XXXX under the same USAA account USAA had told us that it would be to take enough or credit and taking the care of a year or more ago
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: 84790
Submitted Via: Web
Date Sent: 2021-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A