Date Received: 2020-12-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: USAA is reporting a debt on my credit file that is no longer owed. I recently had my credit pulled and was notified of this debt by my lender. He said I needed to settle that account but when I looked into, it was an account I paid off months ago! This account is causing my home buying process to be delayed. This account needs to be removed from my credit file immediately!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: 84663
Submitted Via: Web
Date Sent: 2020-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93711
Submitted Via: Web
Date Sent: 2020-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-21
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: USAA SENT ME A LETTER ON XX/XX/XXXX STATING THAT THEY NEEDED FURTHER INFORMATION FROM ME OR THEY WOULD SUSPEND OR CLOSE MY ACCOUNT. I WAS NOT GIVEN ANY OPPORTUNITY TO GIVE THEM THE INFORMATION, AFTER 18 YEARS THEY GOT NASTY WITH ME. I EVEN REACHED OUT TO THE CEO XXXX XXXX WHO HAS NOT RESPONDED YET. I AM A XXXX VET AND FEEL THAT WHAT THIS BANK DID WAS TOTALLY UNFAIR AND THEY ARE IN THE WRONG.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-21
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: In the month of XX/XX/XXXX, a debit/bank account was opened with USAA followed by an unsecured loan that was taken out using my information electronically. I was not made aware of this action until XX/XX/XXXX when I reviewed my credit report. Immediately I contacted USAA, in order to dispute this action. USAA did not notify me of the account via email. At the time of the loan being taken out, address information was not correct. The address on file with USAA was listed as XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( where I lived up until XX/XX/XXXX ), however, my address at the time was XXXX XXXX XXXX XXXX, MD XXXX ( where I lived from XX/XX/XXXX to XX/XX/XXXX ). I updated address information with the post office immediately after moving. After the incident, I notified the major credit bureaus, in order to place fraud alerts and credit freezes on my report, as well as contacted the FTC to report the identity theft. Following this, I contacted the police department to file a police report of the incident in XX/XX/XXXX. I have made several attempts at disputing this account with USAA. They have advised me that the account and the loan was not done fraudently. A detective working on the identity theft investigation has also determined that the activity is fraudulent and was committed by spouse. The investigation concluded on XX/XX/XXXX and Detective XXXX XXXX with the XXXX County PoIice department delived the results to me. I have since seperated from my spouse and I am in the processes of getting a divorce ( filed XX/XX/XXXX ) due to this action, as I was unaware that he committed this. This account and loan was opened up without my knowlege or consent and I am struggling with USAA on having is resolved. USAA has refused to give me any actions on how this can be removed, despite my submission of a police report and identity theft report. I have taken all neccessary steps and reccommend actions, but I feel that this is unfair for USAA to continue to hold me responsible for a fraudlulent debt. I have tried to contact USAA multiple times and have spoken to different departments regarding this issue. It is difficult and time consuming to get ahold of someone and I have spend countless hours on the phone. I have also written and mailed letters to USAA and the 3 major reporting credit agencies. The loan is currently being reported as a charge off and is negatively affecting my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21244
Submitted Via: Web
Date Sent: 2020-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-21
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I am a victim of a gift card scam and my bank said there is now way I can get my money back because I " participated '' in the act. It all started with a call from someone who identified themselves working with the IRS on XXXX XXXX They said multiple checking accounts were opened up in my name in Texas and was used to money launder into XXXX. I was being charged with money laundering and drug trafficking. I either had to go to court in Texas and plead my innocence or corporate with a local investigation. I picked the local investigation. I told them what county I am in and then they connected with a 3rd caller who was supposedly the my county Sheriff. The Sheriff then called me to speak one on one, and when he called me it came up in my phone as the name of my County Sheriff 's office. He said we can only speak on this line because it is recorded and I can not talk to anyone about this investigation or else I would have to go to court in Texas. He said the most important thing you need to do is " XXXX '' your money. Because they were going to freeze all accounts opened up under my social security number because of the money laundering charge. In order to do this I had to buy gift cards at XXXX dollars a pop. I would then exchange them for " Government Vouchers ''. It wasn't until the second day after we didn't meet that I figured out what was going on. He had me scratch off the back and read him the account number and pin number on the gift card and then I would go back into the store, most of them were XXXX, and I would go to self checkout and grab 10 at a time. I would only ring up two at a time because there was a XXXX dollar limit. All in all I lost XXXX dollars with 97 gift card purchases. I filed a fraud claim with the real Sheriffs department and with my bank. I emptied out both of my checking accounts, both of my savings accounts, and even started selling stocks from my mutual funds. This scam really has hit me hard financially and I don't think I will be able to recover from this if I am not able to receive these funds back. I did everything I can to report this issue and notified everyone that should be notified ; to include the IRS, the FTC, my bank, XXXX, and my Sheriff 's Department. While searching online I found out that there was a lady who lost over {$100000.00} and was able to get it all refunded. It does not seem fair that she was able to get her funds back and I am not. Is it because the local news covered it and she ended up on T.V and had an article written about it. I really need help on this matter and I feel like I am not getting any, even though I reported it to all the respective parties.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92595
Submitted Via: Web
Date Sent: 2020-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: As far back as XX/XX/2020, USAA Federal Savings bank has been sending out notices about upgrading their security procedures on their website usaa.com. what they failed to mention is that they experienced a major data breach and have yet to acknowledge the incident. Countless USAA members have taken to complaining on online forums about USAA 's cavalier attitude about this breach. Many, like myself, have experienced surprise and unauthorized charges on my USAA Visa card and unauthorized running of my credit report for an unauthorized consumer loan without my consent. Subsequently, after getting the run-a-round from the representatives on the phone, I closed my credit card account due to their inability to properly secure their website API ( application programmable interface ) from the very beginning. Every time I called and asked how these unauthorized charges occurred, the representative would simply state that my credit card was probably skimmed at a reader. When I inquired further, another rep. would say that the unauthorized charge was used via a mobile app. USAA 's explanation for these unauthorized charges did not make any sense. I could accept this useless excuse if it was just me but how could over 50 other USAA members suffer the same breaches on their accounts. Does that make sense? Like many older Americans, I don't use any apps and probably never will. USAA knows that I don't use their new app so how could they allow my credit card to be used through a mobile app that is not mine. As recent as XX/XX/2020 USAA shows attempted unauthorized charges on my CLOSED USAA Visa credit card. Again they refuse to acknowledge a breach in their credit database. This is unfair to the thousands of members which, rightfully so, are dwindling since the onset of this data breach. Another recent and troubling breach was an unauthorized running of my credit report by USAA for an unauthorized personal loan last week for which they issued a Credit Inquiry Removal Process letter. The letter is dated XX/XX/2020 and states that they have reported the error to the credit reporting agencies and can take up to 45 days to be updated on my consumer report. Is this fair? How long is USAA going to be allowed to continue this FRAUD. If I did not implement a credit freeze last year I would have been ruined like many other USAA members that were never notified of a data breach. It is public knowledge that the Consumer Financial Protection Bureau has fined USAA Federal Savings Bank millions of dollars recently for other credit related issues. Perhaps it is time to investigate USAA again and penalize them severely for irreparably damaging consumers credit history and ultimately their lives.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX, I called USAA member debt services about voicemails and letters for a past due balance. I explained to the representative XXXX ( ID # XXXX ) that I lost wages this year due to the Covid-19 shutdown and slowing of the real estate activity. I told him I was in the process of catching up financially but did not have enough money to pay past due amounts and future coming payments. I asked if he could negotiate some partial payments to bring the account current. XXXX said if he can get me to pay the past due amount, he was assuring me when I callback once the payment cleared & the account was brought to current that I would qualify for the Covid-19 program. I explained to him that I needed him to give me his word I could get the Covid-19 deferments because I would not have enough money to pay again in the coming months. He said if I make a single payment, I will qualify for a partial relief but if I make the full past due amount of {$1400.00}, I would qualify for 3 months of deferment. I was in the program earlier this year so got clarification that I could qualify again. He quoted once I made the past due payment, I would have fulfilled my obligation to requalify. XXXX told me to reference note # XXXX when I called back to prove what he assured me. When I called back XX/XX/XXXX as instructed to apply for the Covid-19 relief I spoke with XXXX who told me I did not qualify for the program. At that moment I realized I was deceived into making a payment I could only afford to make if the terms XXXX promised me were carried out ( which was I pay the past due and receive the deferments for 3 months ). XXXX transferred me to XXXX who was kind enough to make a report and promised a manager would call back within 48 hours to investigate the misrepresentation by XXXX the debt collector. I explained to XXXX that I would NOT have paid the past due if I was made aware that I even might not qualify. XXXX said they would have the manager review the call with XXXX and call me back with their findings. I called back in on XX/XX/XXXX because no one ever contacted us from USAA about the problem after 48 hours as promised. I spoke to XXXX this time who told me he read note # XXXX by XXXX and saw XXXX wrote " Please enroll Mr. XXXX in the payment deferment program. '' XXXX was not so willing to share that note as XXXX was. XXXX then contacted XXXX via instant messenger because he said for some reason my complaint was never noted in the system. XXXX said XXXX called him after the instant message and assured him she submitted the complaint but didn't know why it disappeared. XXXX had his manager contact him who instructed XXXX to transfer me to the Executive Resolutions department. We then were passed to XXXX from that branch who kept us on the phone for about an hour looking into what she could do about the complaint. After all the back and forth pleading with XXXX that we can't afford to make future payments coming up and that we will now be delinquent again but minus what money we were going to save for food and the car payments. We explained there was no point in making payments without the promise XXXX put in place. In the end XXXX simply just stated there was nothing she could do about it and asked to transfer us back to member debt solutions department that transferred us to her in the beginning. Overall, the USAA member debt solutions representative XXXX gave us false, deceptive and misleading information to collect 2 past due payments that we couldn't afford to pay without the promise of the Covid-19 deferment in place afterwards. I am damaged financially by this because I can no longer afford the other bills and pay the next payments due on my credit card of over $ XXXX/month due to the pandemic effects on my career. Now my payments will be reported late to the credit bureau because of the misleading information by USAA and their unethical debt collection practices.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2020-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: USAA they are a fraud they took a bunch of peoples Social Security income and threw us out they have held my daughters income that she gets {$400.00} for my husbands social XXXX of it is mine they have locked both our identities leaving me held XXXX homeless on the streets. They call coding it out theyll take your money and pay people off in front of you these disgusting people actually take it and they wonder why you sit around and hate them as they freeze you out in XXXX and XXXX ATM XXXX we also had renters insurance and we had a lot of claims we were robbed completely XXXX XXXX XXXX, XXXX CA XXXX The whole neighborhood was harassed of course our counterparts our neighbors were XXXX so they all said it was gang members it was actually USAA thinking they could become the XXXX XXXX they still have California locked up
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have had this Usaa credit card for 21 years and I have paid religiously on time and have always been a loyal customer. During this time of economic hardship I have chosen not to utilize my credit due to uncertainty of financial future. I have recently required new charges on this account in which I have not used in over a year. Upon investigating these charges I have discovered that the are annual fees that I am now charged monthly. I have contacted Usaa on numerous times over the last three months, with absolutely no correspondence, and continued charges to my account that I have never incurred in the past with this account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32312
Submitted Via: Web
Date Sent: 2020-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have been through a complete downhill battle with USAA and their credit card. We have been loyal customers to this bank and had a low balance of {$1000.00} on a {$6500.00} limit card through USAA that they stopped taking payments for last XX/XX/XXXX. We have changed our checking account numbers and tried every method known under the sun to try to pay this stupid card for the past year. Now, they have reported a 30, 60, and 90 remark on my husband 's credit report because THEY will not take the payment. We have added the accounts through the phone, online, etc. I am now trying to pay OFF this stupid card because they are destroying my husband 's credit for no reason other than negligence. In XX/XX/XXXX they decided to close the account without any notification. When asking USAA why they closed this account, to our surprise, they insisted that a letter had been sent that was NEVER received by the address that has been the same for almost 5 years, now. The same issues present itself over and over again. When recently trying to get fees from their end taken off because of " late payments '' from their system that will not accept the payment from our banking account ( XXXX ) we received hateful attitude and discussions about how it is our responsibility and not their issue that the account is late paid .... even though we have proof and offered to show this proof to USAA that they are not accepting our payment! I guess this will have to come down to harassment clauses eventually because we feel harassed and this needs to be mitigated ASAP.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29710
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A