Date Received: 2020-11-28
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: USAA - In XXXX, I ordered supplies from XXXX, to be shipped to my house. The next day, I made a second order. I called the local store ( where it's shipped from XXXX to have them ship all the items on one truck. For a more simple logistics format. They agreed. After 4 weeks, I never received anything. The few things that did randomly come in the mail ( not truck delivery as paid and requested ) they were the wrong items. I disputed the charged with USAA. After several months of fighting it and requesting call backs. Giving all of the information they needed and wanted on the case. They kept refusing to issue the refund to the card. Finally, they issues one refund, but now 5 months later, I'm still waiting for the 2nd refund on the card and the case keeps being dropped with no activity. ( XXXX ). The XXXX of XXXX, I ordered a new Render station PC from a company called XXXX. While going for a MA in XXXX, I needed the system for the school work. The very first day I received it, I had issues. The system wouldn't work right and it wasn't connected properly in the system. I had to rerun all the cables and make sure it was all plugged in. Finally it booted up and ran. After tryingt o run my animation software, it was running into issues again. I went to the XXXX sites to troubleshoot the parts. But I didn't have the serial numbers to get troubleshoot and technical support assistance for the parts having issues. I contact XXXX several times in attempting to get the serial number. They refused and I have the emails showing that they refused to give serial numbers. After opening the case to find them myself. I saw that the serial numbers have all been removed and scratched off of the parts in the system. Which is 100 % illegal. I finally got the system back to working order and tried to deal with the issues with XXXX. They still refused any thing I was requesting. Finally I ran benchmarks on the system. The system failed in every aspect and the specs with the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX abilities were not working as they should. As many public websites keep records of benchmarks. People with the same system specs that I had. were almost 30 % more power and points related to the bench mark scores. Upon trying to talk to XXXX about these issues. They again refused to answer and not give me any serial numbers. I filed a report with the FTC. Then disputed the charge with USAA as the parts were obviously counterfeit. USAA has still yet to call me, after the 30+ attempted requests to get a call back from their disputes department. They just keep dropping the case. Even through they have sufficient evidence that the emails from XXXX and the scratched off serial numbers show that there is suspicious activity going on with the PC. I don't even have the PC anymore, as I sent it in to the FTC ( XXXX XXXX XXXX unit related to counterfeit PC parts ) as requested, for their research and reporting. Which I most likely will not get it back. So I'm out nearly {$2000.00} and USAA refuses to look at the evidence or have a competent XXXX look at them, preferably someone who knows anything bout computers. I'm a federal security intelligence contractor by trade and they keep trying to claim that I need a " professional '' account of the counterfeit parts. Which I am clearly capable of assessing myself, with my background in investigations and assisting law enforcement and military related services. I have a 3rd account that I need to dispute, but I'm trying to work it out with the company for a new pair of glasses and frames that were incorrectly cut and had the wrong prescription lenses. Which is close to {$560.00}. Which USAA will surly waste several months of time and effort in trying to secure a refund from any dispute processes. USAA disputes dept has constantly lied on internal notes on the account. Claiming that they have tried to call me several times. I'm up from XXXX most days. Usually getting a few hours of sleep staggered through the day because of international work that I do with XXXX services in XXXX XXXX. If they would have called me, I would have received the call. There would have been a missed call. Yet USAA claims that they left voicemails, yet I never had any voicemails from them on my cell phone. So they are blatantly lying about their communication attempts and continuously ignorant to any investigation matters or materials that I submit and causing these disputes to go past the dispute timeframe that is allowed. Leaving me with several hundreds of thousands of dollars and items I never received.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 614XX
Submitted Via: Web
Date Sent: 2020-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-28
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: XXXX XXXX is an account holder of many services from USAA, but she has recently passed away. However XXXX has passed away as of XX/XX/XXXX. There are 2 insurances withdrawn from XXXX, there is an outstanding debt on a credit card, there is also a " subscribers '' account. I go on to her online portal and attempt to work with someone regarding her situation and they are not helpful.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85258
Submitted Via: Web
Date Sent: 2020-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-26
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I received a notice that my coronavirus nsf fee waiver would end on XX/XX/2020 on XX/XX/2020. I had been caught up with moving out of an apartment I could no longer afford due to my roommates mom XXXX from XXXX. At the end of XXXX I realized that USAA had taken almost {$500.00} in nsf fees from my account. After working my way up to the office of the XXXX, I was told they would assign me an advocate. The advocate called me a few days later with almost no knowledge of my complaint and told me that they were keeping the fees. I was eligible for the waiver in XXXX, as I was severely overextended from the move. To be ineligible because I hadnt known the waiver could be extended seems predatory, as I really need this money. Please help!!! I can not afford to take this to court.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 14616
Submitted Via: Web
Date Sent: 2020-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My daughter has a usaa account. My wife is on both accounts and USAA decided to take an unauthorized {$800.00} transaction to cover my daughters account. Was not told about this, had to see it on my account days later. I called USAA and they said nothing would be done. This bank continues to discriminate against me and probably other veterans and they need to be investigated
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-25
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I am a XXXX veteran and had 2 usaa secured credit cards : one with a {$5000.00} limit and one with a {$1200.00} limit. Times got tough and I was unable to pay my bills all the way off. There were just a few dollars owed on each account, but the late fees and over the limit fees caused them to go to approximately - {$75.00} and - {$120.00}. I attempted to reopen the cards and was told I couldn't do so via chat to call. Then I called and was told I couldn't do so via phone to write a letter. Then I wrote a letter and was told they couldn't be reopened because they were chargeoffs. Then I asked for a pay for delete and that was declined. Then I asked just to pay the debt and was told it is not their responsibility to provide a method for me to pay them since they are charge offs, that if I wish I can just send a check to the bank with a note requesting them to apply it to my account- which doesn't sit right with me. I requested an invoice and was denied. I requested to pay for them online and via phone and was told no. One representative helped me add them to my bill pay on the USAA mobile app, but thr system would not allow me to process the transaction- i was told " oh well, we tried '' in response. They are continuing to report the late balance on my credit report monthly, and I can not pay it or stop it or reverse it or anything. I want to buy a house and this is a big problem. I have been dealing with them on this issue for over a year. It's {$200.00} .... and I can't even pay it to make it stop. Let alone get it removed. I should have been able to pay this in XXXX. I have been with usaa since XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MN
Zip: 55016
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-24
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: My insurance and auto loan is with USAA. My vehicle was totaled and I am being asked to send a signed and notarized POA and affidavit of correction, and I was told to leave it blank so they can make changes to it.I was told they do this all the time. As far as I know you cant make changes to notarized document and Im not comfortable signing and notarizing blank documents for them to fill out later when Im not even sure what Im agreeing to. I was told if I dont they will not payoff the loan, they currently have me in collections charging late fees cutting of my credit cards, and reporting to the bureaus. Ive attached the documents they sent and was told to just sign and notarize, but leave the rest blank, and that theyll fill it out and I can trust them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2020-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Im writing on behalf of XXXX veteran XXXX XXXX. His vehicle was repossessed late Tuesday Night/Early Wednesday Morning ( XXXX, 2020 ). He received no notification. He was even hospitalized. He called several times to rectify the issue. Last person he spoke with was XXXX, CSR who transferred him to XXXX in the recovery Dept. He borrowed a loan for {$5100.00} according to XXXX, ID XXXX XXXX recovery department ). The amount to recover his vehicle is currently {$5600.00} XXXX bal {$4900.00} ; Late Fee, {$47.00} ; Retun fee {$25.00} ; Repo $ XXXX {$5400.00} to release ; Towing {$150.00} plus $ XXXX XXXX. According to XXXX in recovery dept., USAA attempted to automatic withdraw {$320.00} XXXX payments $ 122 monthly ) & there was not sufficient money in the account ( created an overdraft fee for MrXXXX XXXX XXXX. I personally made a payment for Mr. XXXX from my account for {$320.00} on XX/XX/2020 ( MrXXXX XXXX is on a fixed income from social security dept of under $ XXXXmonth ). According to XXXX it was returned. I asked why she had no response. Another payment on XX/XX/XXXX she claimed was returned XXXX USAA refused because I dont give access for automatic withdrawal ). Mr XXXX made several attempts to rectify the account before repossession XXXX unknown vendor ). Complaints were filed with NJMVC because the dealer XXXX XXXX XXXX took the money & refused to give XXXX XXXX the title & invoice. The temporary tags shows the vehicle should have received permanent plates in XX/XX/2020. The XXXX XXXX PD, XXXX NJ towed his vehicle. XXXX XXXX refused to release it, claiming, he, Mr. XXXX must go & get it titled before it would be released. Lt. XXXX XXXX was contacted, he told Lt XXXX to call XXXX XXXX XXXX XXXX, XXXX NJ to release the vehicle. He did reluctantly ( We observed the owner, sitting in family dollar parking lot in XXXX XXXX XXXX NJ, staking out the car daily ). I received a letter from Lt. XXXX claiming the incident did occur but the officer was exonerated. The vehicle was registered XX/XX/2020. USAA is making unreasonable demand after they refuse payments from a Veteran who also suffers from XXXX. XXXX from the recovery Dept hung up on Mr. XXXX. He has no way to get to his medical apt & he needs his dot monthly. I had someone took him to the VA clinic on Wednesday. He was late because his ride was taken away without any form of notification & USAA refusal to accept payments made on behalf of the Veteran unless it was from the Veterans checking account. Terrible treatment of Veterans!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 08873
Submitted Via: Web
Date Sent: 2020-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76542
Submitted Via: Web
Date Sent: 2020-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Ive filed multiple complaints against usaa from their improper handling of my auto loan. Usaa is now taking action on my checking account and putting holding on funds put into my account when I have more than enough to cover the amount in the account. Usaa has taken unfair actions against me and they need to be looked into. This is just another unfair practice
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2020-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Sunday XX/XX/XXXX I tried to deposit a Check from the United States Treasury Department for XXXX cents. I had to call USAA to get them to increase my deposit amount to allow me to deposit the check via mobile phone. They increased my balance to XXXX, and the mobile app would not accept my check due to the XXXX cents. I then called back and spent another hour on the phone just to find out they couldnt increase the limit for a 12 hour period, and I was asked to try later in the evening ( XXXX ) or first thing in the morning. I again called back on XX/XX/XXXX and was now told they could not increase my deposit amount or allowance above XXXX. So they denied my deposit of XXXX cents due to the extra XXXX cents. They then asked me to mail in the check, and told me it would take at least 30 days to get the money in the account. What good is a bank if they are worried about XXXX cents. Furthermore, they work directly with the Department of Treasury on regulations, it should not be this hard to deposit checks from the United states government. I currently make more a month then the payment from the IRS. This company needs to be fined due to their activity, and for not accepting a check from the United States Treasury. Prior to this event, and before setting up this checking account I called USAA to ensure they could handle large amounts of money and I was told I would have no issues, which clearly isnt the case. This company has cost me time and money, as I now have to switch back to a bank that can accept a XXXX cent deposit. Furthermore, I would say this bank discriminated against me, as they allow other customers to deposit larger amounts of money then my small check. They need to be fined for that also.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34746
Submitted Via: Web
Date Sent: 2020-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A