Date Received: 2020-12-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: USAA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX USAA requested proof that the Court Bond was real and needs to stay on the HUD. We provided that. They are now saying they want it removed from the HUD regardless of the order given by the court to have it paid. -- -- -- USAA is trying to force the alteration of the terms of the short sale that the 1st XXXX would be accepting. USAA is the 2nd XXXX and this is a short sale. This is NOT ACCEPTABLE!! They can either take the funds offered to them by the 2nd XXXX or they will get NOTHING if they try to force this into foreclosure. There is no option where they get to tell the 1st XXXX what they can and can not accept nor try to force an alteration of the terms on the HUD. When confronted with this, USAA asserted their policies supersede federal and state law. *****This is illegal on both a Federal and a State level. Their XXXX needs to STOP!!! They do not get to dictate terms for the 1st XXXX nor do they get to create their own laws. I want the USAA to move past their issue with paying the Court Bond on the HUD and for them to move the short sale forward appropriately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Frequent and insistent calls for my son who apparently has an outstanding bill for his credit card. I am not the debtor and they continue to communicate with me ( third party ) to leave messages for my son. Despite my multiple attempts ( 4 ) at asking the various representatives to remove my number - the collection agency refuses to remove my number and continues to call me in connection with the collection of this debt. I get 4 phone calls daily from the number listed for the last 7 days. Today during my third attempt to get the calls to stop a representative named XXXX, Employee ID # XXXX, refused to provide me an address to mail my formal cease communication request, refused to allow me to speak with a supervisor and finally stated " your number can not be removed from this file because we do not have another number to reach him. He then hung up on me. I am currently on the phone with the Bank ( 4th attempt ) to get the calls to stop.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I am XXXX XXXX so I am contacting you via email regarding my concern for a dispute I currently have open for unauthorized theft of my debit card. When I opened this claim I informed the person taking the claim the following. I used my card for gas on the day I went to urgent care for not feeling well. I had a XXXX test that same day I used my card at the gas station. It appears the next day my card was used twice a day on a daily basis until my balance was to {$3.00}. During my initial claim I stated I tried paying at the pump but the screen would ask for a pin number but still not authorize. I had to go inside and there was a very long line because it seemed everyone was having an issue with paying at the pump. I faxed a copy of my XXXX XXXX message received to my phone into your disputes department. This would show that I was confined home and not feeling well while my card was being used daily with no unusual activity being picked up by USAA 's system. Today I stopped for gas at the same station and there was a man taking videos and photos of a device attached to the pumps and the ATM machine at this same gas station. I used my card then the theft occurred. I am attaching photos of this device the man was pulling from the pumps and two ATM machines. I do believe he called the police to report this and turn the devices over to authorities. Please have this information reviewed and sent to your disputes department to assist in the possible recovery of my approx {$3500.00}. Thank you and if you need my assistance please send me an email. XXXX XXXX & Happy Holidays.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33323
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I checked my credit file for all three-credit bureau, and I notice this debt or collection account does not belong to me. This company is listed in collections and I have no knowledge of this debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20003
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: Account ending in XXXX On XX/XX/2020, I received a letter and a fraudulent contract that infringed upon my rights as a consumer. On or about I mailed USAA a Debt Validation Letter and Cease and Desist Letter by certified mail dated XXXX XX/XX/2020 and they were in receipt XXXX XX/XX/2020. In return, they sent me the fraudulent contract as an answer to my request. I sent a notarized Affidavit of Truth outlining their violations, another cease and desist detailing my remedy, copies of my exhibits, and an invoice for my violations. Please see attached.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33598
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Consumer Loan ending in XXXX On XX/XX/2020, I received a letter and a fraudulent contract that infringed upon my rights as a consumer. On or about I mailed USAA a Debt Validation Letter and Cease and Desist Letter by certified mail dated XXXX XX/XX/2020 and they were in receipt XXXX XX/XX/2020. In return, they sent me the fraudulent contract as an answer to my request. I sent a notarized Affidavit of Truth outlining their violations, another cease and desist detailing my remedy, copies of my exhibits, and an invoice for my violations. Please see attached.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33598
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: ON XX/XX/2020 I attempted to obtain a VA home loan. When I checked XXXX, it showed that I had XXXX XXXX XXXX accounts with USAA. I was denied the loan. I contacted XXXX and they verified the reported information of the same date. I contacted USAA. This false reporting is violation of 807. False or misleading representations. USAA may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. The attached XXXX report confirms that USAA currently is incorrectly reporting that I have XXXX XXXX XXXX accounts.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In XX/XX/2020 USAA Savings Bank added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, USAA Savings Bank has violated my rights as a consumer And Im requesting legal action to remove these inquiries.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In XX/XX/2019 USAA Federal Saving B added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, USAA Federal Saving B has violated my rights as a consumer And Im requesting legal action to remove these inquiries.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2020 my account was hacked where the hacker initiated a {$5000.00} funds transfer from my outside XXXX account to my USAA checking account which USAA made available immediately. As I had USAA on the phone, the hacker then did a wire transfer of {$4600.00} from the USAA account to their bank. In real time, USAA initiated an investigation into the wire transfer. I stopped payment on the transfer from XXXX ( there was not enough funds in that account to even cover such a transfer ) which caused an overdraft in my USAA account. Rather than crediting this fraudulent amount back to my USAA account, they left it overdrawn. Fast forward to now ... I have tried several times to follow up on this investigation and can't get anyone on the phone. I have been told on three separate occasions that they have put in for a call back and that it could take up to 3 business days. Still, NO CALL BACK. In addition, the bank has called me two times to collect this " debt '' I have explained each time that it was fraud and being investigated ... this didn't seem to make a difference. They told me that if I didn't make it current they would close the account and charge it off. As of XX/XX/2020, the account has been removed from my access, closed and charged off. this is not acceptable. In addition, they owe me money that was already in the account when this occurred and the profit sharing that we were awarded and was put into this overdrawn account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: 400XX
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A