Date Received: 2021-01-05
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I made a deposit of {$10000.00} casher 's check XXXX XXXX it did not post until the XXXX and then I proceeded to pay off my credit card. The first problem was they wanted to put the casher 's check on hold until after the XXXX XXXX so I could pay interest on this twice. They reluctantly took the payment for the credit card. {$6600.00}. Then they double payed the card out of my checking account. This put my account over the limit and cause non sufficient funds penalties. Now my account is frozen and they said the would contact me at their convivence. And then I could ask to have the overcharges reversed and the extra interest with it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89122
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-05
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: - usaa punishing customers by closing account for reporting unrecognized charges. - usaa froze my money in my account on XX/XX/XXXX without notice. - XXXX from ceo office stated it would be closed in 1-3 days but was false and have been told I must wait 60 days to get my money back which is federally protected due to being VA benefits. - fcra rights are being violated by usaa due to giving false information. - I would appreciate this to be resolved as quickly as possible to due financial hardship this is causing especially with my XXXX and XXXX related XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78251
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-05
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I applied for a credit card on XX/XX/XXXX. USAA pulled my credit report from XXXX on XX/XX/XXXX. USAA was instructed, by XXXX, to verify my identity via this statement that is on my report that was given to USAA : Personal statement ( s ) XX/XX/XXXX & XX/XX/XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. USAA never called to verify my identity. Nor did they send me an email, message through the portal, or mail. I called USAA to verify my identity, as they have already pulled my credit and negatively affected my credit score and my ability to get any further financing on XX/XX/XXXX at XXXX and the call was recorded via USAA XXXX The rep from USAA, XXXX, told me it that USAA could not reach me via my phone number, even though it was listed on the XXXX report, my USAA portal ( which I authorized any branch of USAA to access via the my only preferences ), and was even listed on the credit app. My phone has been working fine. USAA did not leave a voicemail or even notify me they attempted to call in any other forms of communication. I asked to verify the information during the same call on XX/XX/XXXX at XXXX. XXXX told me I could not and the application would not move further and there was 'no other way around it '. She also refused to remove the credit inquiry. I then asked to be escalated to her manager, and she denied, and said I could only talk to another department. I talked to the XXXX employee XXXX and she also gave me the same information. USAA refuses to accept or deny my application as of now and refuses to remove the inquiry. I will seek legal damages as USAA is violating my rights, causing me tremendous stress, and negatively impacting my financial future. More so, it's representatives are argumentative and untrained/uneducated.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: USAA is reporting an old debt on my credit file and it needs to be removed. Under the FCRA this account is in violation because it is 7 years old and needs to be removed from my credit. It is also past the statue in North Carolina and they can longer come after the debt. This needs to be removed from my credit immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2021-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-04
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I tried to open a account with USAA a few years and discovered that I have a account opened in my name with a negative balance which I did not open. I have spoke with there fraud Department several time to conduct investigations with no results at all. I have reported them to the CFPB three times also and still nothing. I have reported them to identify theft. gov and they replied that they declined to provide me with the information based on FCRA section 609 ( e ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: HI
Zip: 96817
Submitted Via: Web
Date Sent: 2021-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On my XX/XX/XXXX billing statement ( payment due XX/XX/XXXX ), I have a Balance Transfer balance subject to interest ( 15.90 % ) of {$5300.00} and a non-interst bearing balance ( Promotional Cash Advance ) of {$4200.00}. When I discovered the XXXX balance was interest bearing, I submitted a payment of {$5300.00} on XX/XX/XXXX. Upon reviewing the XXXX statement, I discovered USAA did not allocate my payment to the interest bearing balance that I intended to pay off. I called USAA on XX/XX/XXXX ( spoke to XXXX ) to inquire if USAA 1 ) could explain how the payment of XXXX was allocated because the 2 remaining XXXX balances only decreased by {$3400.00}. 2 ) Request that USAA go back and allocate the payment as I intended to avoid further interest charges. After an hour of explaining my position, the rep could not explain USAAs method of allocation and he further explained the only way to avoid interest charges was to pay the account balance in full ... even the non-interest bearing balance. Although I am carrying 2 promotional balances ( no other account charges ) I should be given the option of paying off the interest bearing balance or be given their method of allocation so that I can submit the payment amount to avoid further interest charges.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75088
Submitted Via: Web
Date Sent: 2021-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: My wife and I were scammed after trying to sell our washer and dryer on the app XXXX XXXX and now our bank is refusing to help us claiming nothing can be done and that they are not liable for what happened. On XX/XX/XXXX an individual said they were interested and we began to exchange information to complete the sale along with the transaction. The buyer said that they would mail us a check due to them being out on a business trip and that they were scammed before and that was the only way they would purchase the items we were selling. A few days later on XX/XX/19 XXXX we received the check in the mail ; mind you we were selling the washer and dryer for only XXXX dollars. The individual texted me stating that their secretary had accidentally sent a little extra and the amount to pay the movers that were scheduled to come pick up the washer and dryer. The check we received was for the amount XXXX. Upon receiving the check, I confirmed that I indeed did get the check. Immediately after the confirmation the individual gave me the information of the movers to send the remaining funds to via XXXX on USAA. Those individuals that we were instructed too send the funds to listed below : 1. XXXX XXXX Email : XXXX Amount sent : XXXX Dollars ( payment from first check ) 2. XXXX XXXX Email : XXXX XXXX : XXXX Dollars ( Payment from money split between both checks ) A few days later we received a second check in the mail ; mind you nothing has happened to our account yet, the check was for the same amount XXXX. I immediately notified the individual about it, he stated that the mover never received the funds and that the check was to make those payments. So again I deposited into my USAA account, this time they put a hold on the check due to it putting me over my monthly deposit amount. Then they began asking for my account information as well as routing number so that an individual could send me funds, I immediately refused and told the person that once the funds passed through the account that I would send the money back to them and break contact and schedule a date for the movers to come pick up the washer and dryer on XXXX XXXX when the check was supposed to clear. XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX2020 I began monitoring my account to see if the check by chance cleared, as the first check all the funds were " available '' immediately upon deposit. I began to notice money began disappearing from the account because the checks bounced and USAA began taking the funds from my account. I lost my paycheck of XXXX and my stimulus check XXXX dollars during this whole process. I Immediately got on the phone with USAA to file a dispute and a claim for scam to start an investigation. I also called the bank that was on the checks we received, XXXX XXXX, and gave them the information on the check ; name, account number, check number, etc. After a brief period the bank confirmed that those checks were fraudulent and that the individual did not have an account with them. When giving them the name XXXX XXXX XXXX XXXX they also confirmed that they have had numerous incidents pertaining to this individual and that he has scammed multiple people the same way in the recent days. After finding out this information I returned a call to USAA and notified them of the issue and they added notations to the investigation they started. Not once did they attempt to freeze my account or anything of that nature which is usually done when either fraud or a scam is reported. All I kept getting from each representative was that there was nothing that could be done and they were not able to reimburse the funds lost because they were not liable for scam/fraud. My wife and I lost an estimated XXXX dollars during this process due to USAAs lack of urgency and cooperation during the incident. Some representatives were very unprofessional and rude when speaking to either my wife or myself. I have gone through all the proper channels in trying to resolve this issue i.e. filed the scam incident with the Federal Trade Commission, notified USAA and filed a dispute/scam claim, switched banks and accounts, changed payments from USAA account to new bank account. With everything that happened USAA and being in the XXXX they could have handled the situation a lot more professionally and urgently. My wife and XXXX children really took a hit during this whole incident emotionally and mentally. We had to find a way to pay rent, car payment, and insurance as well as other bills and necessities. Attached to this complaint is a photo of both fraudulent checks as well as the letter from USAA claiming there is no fraud and there is no further action that can be taken.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80915
Submitted Via: Web
Date Sent: 2021-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I spoke with a front line representative and an executive resolution team member from USAA 's auto loan department. I requested documentation stating I am requesting them to look into incorrect credit reporting. I was told from both employees that this was not possible in any way. I sent an email to their executive communication 's department. This email was provided by the executive resolution employee.
Company Response: Company believes it acted appropriately as authorized by contract or law
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-31
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My checking account was closed with a positive balance on XX/XX/2020 without notice and my Veterans Affairs benefits which is exempt from garnishment and has been illegally withheld from me and was told today after speaking to the executive resolutions team that I won't have my fund for over 60 days when I have bills including rent and food for which I depend on my benefits for. Today and am going through hardship due to COVID and want my funds mailed to me immediately and USAA charged fines for this incident.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78251
Submitted Via: Web
Date Sent: 2020-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
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: I am a client of XXXX XXXX at family options. I went for a evaluation for XXXX that cost XXXX . I did three hours of talking with her but did not do the rest. I asked to be charged as such and she agreed. This was on XX/XX/XXXX. I have been fighting back and forth with my bank about if they have refunded me or not. I cant get in contact with the company about what happened either. I got misleading information from both sides. This was done on my XXXX XXXX card, and the location/ merchat is XXXX XXXX XXXX XXXX options at XXXX XXXX XXXX XXXX FL XXXX. Her phone number is XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A