Date Received: 2020-11-21
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: From XX/XX/2019 through the present, I have been receiving communication from USAA Credit Card Services in Statements via an online portal on Alleged debt that is owed. The Truth and Lending Act is intended to inform consumers of credit, and I have been deceived concerning the information in my consumer credit transaction. According to 15 USC 1692j, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am the original creditor ; I am Protected as a consumer against the alleged debt 15 USC 1692a ( 3 ). According to 15 USC 1692e ( 11 ), Failure to disclose in the initial written communication with the consumer and also, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. According to 15 USC 1692b ( 2 ), this includes when sending out statements. Any debt collector communicating with any person shall not state the consumer owes any debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33598
Submitted Via: Web
Date Sent: 2020-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-20
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I PRESENTED WHAT I WAS TOLD I NEEDED TO, IN ORDER TO CANCEL MY AUTO INSURANCE WITH USAA. ( AUTO CANCELLATION FORM FROM XXXX XXXX XXXX HOWEVER USAA IS NOW TELLING ME I NEED TO PRESENT A DIFFERENT FORM IN ORDER TO CANCEL MY AUTO INSURANCE, YET THEY DON'T HAVE THE FORM. ALSO, PREVIOUSLY, WHEN I HAD AN ACCIDENT, THE DAMAGE WAS QUOTED {$1400.00}, BY THE USAA EXAMINER, YET THE VEHICLE WAS WORTH {$3000.00} AND THEY CHOSE TO CALL IT A TOTAL LOSS AND SALVAGE THE VEHICLE AGAINST MY WILL. I WAS FORCED TO SELL THE VEHICLE AT A LOWER THAN MARKET VALUE. KIND REGARDS, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 02140
Submitted Via: Web
Date Sent: 2020-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-20
Issue: Identity theft protection or other monitoring services
Subissue: Received unwanted marketing or advertising
Consumer Complaint: I was unknowingly redirected while attempting to get a quote for car insurance on the USAA website. Redirected to a fraudulent scammer who now has some of my personal information and my voice, because they immediately called me, the first I declined and before I could put my phone down they called again, and I said, " It looks like this is a fraudulent website, not USAA, do not call me again, put me on your 'Do Not Call ' list. '' But I wanted to report them! The phone numbers were made to look like they were coming from where I live, using my area code. The numbers the called me from are as follows : XXXX XXXX XXXX XXXX. ( XXXX ) XXXX. This happened XX/XX/2020 XXXX They are harassing me, after I told them to put me on their do not all list, but I guess scammers don't HAVE those, huh.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 364XX
Submitted Via: Web
Date Sent: 2020-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: A letter was sent for dispute which included an affidavit attached for fraudulent information reporting on my credit file. There are two accounts that are inaccurately appearing on my credit report from your company. According to FCRA 609 you all have the obligation to remove fraudulent information from my credit report. At this time more than 30 days has passed and I have yet to receive a reply or correction on my credit reports. I have contacted all 3 major credit bureaus to correct and they claim you have verified the information but have yet to send any proof of my consent to these accounts.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2020-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-19
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/XXXX i was contacted by a scamer. thru his process i made the mistake of opening my account. when i realized this was a scam. i called usaa to freeze my accounts. i needed to stop payment on my accounts. i spoke with XXXX who refused to do that.. instead she wastes time changeing my account security. when she should have froze my accounts first and then changed the security on my accounts. by doing this she bought the scammer time. when she finished with me she did not report the scam. i had to call again to stop payment on my accounts. this got the scammer more time to scam my accounts. if usaa would have co operated with me there would have been a different outcom. i never received a copy of any dod when i opened the savings account. t have had a checking account with this bank since 2015 and never was made aware of any dod.evidence shows XXXX did not follow the proper protocal. i need the XXXX back in my savings account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This debt was charged off. The last activity on this account was in XXXX which is beyond the statute of limitations to collect on this debt. Once charged off this company increased the amount of debt they were collecting on and continued to report to credit bureaus in XXXX. This debt needs to be removed immediately as they are no longer able to collect on this debt due to the statute.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2020-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: My roommate was moving out of our apartment and I was desperate to find a new roommate. I posted many ads to XXXX and XXXX and was unable to find someone who seemed legitimate or who was willing to sign a lease. While browsing XXXX one day, I saw a post from someone stating that their friend needed a room. I contacted the person per email and we began talking. They sent me a picture of a Washington driver 's license with the name XXXX, XXXX on it, so I assumed they were a real person. They told me they were working in Mississippi doing XXXX work and were soon returning to XXXX to continue work at the XX/XX/XXXXXXXXXX/XX/XXXX which has a great XXXX program. Naturally, they seemed legitimate to me, a desperate renter. After a few more days of talking and putting them in contact with my apartment manager, they began to fill out the application, which further proved their legitimacy. They were seemingly unable to submit pay stubs ahead of time, which seemed weird but not suspicious to me. They told me over email and text that they would send me a check in the mail with money for paying XXXX 's rent, as well as additional money which would need to be transferred to the moving company/persons to assist in moving XXXX 's cars and belongings. I received the check in the mail for {$2500.00}, deposited it, and assumed everything was going well. I later followed XXXX 's instructions to send the money to the moving company 's assistant " XXXX XXXX '' over XXXX on the USAA Mobile app. I sent {$1000.00} in the first transaction on the XXXX, then {$920.00} on the XXXX, and finally a payment of {$570.00} on the XXXX. XXXX told me that they needed the additional {$600.00} for moving costs because it had somehow increased. I was suspicious and asked for proof in writing, but figured that since the check was not really MY money, no harm could be done by sending the funds ( only {$570.00} of which I was able to send - XXXX 's monthly limit is {$2500.00} ). I sent XXXX the money and XXXX replied with their thanks. Then today, the XXXX, I went to the ATM after work only to be told by the machine that I had " insufficient funds. '' I found this hard to believe because I knew I had money in there this morning. I went home, confused, and called my bank after I saw that my account was in the negative XXXX $ XXXX XXXX. I called my bank and they said that the check I had deposited from " XXXX '' was altered/deemed fictitious. Following this information, I filed a police report with the XXXX Police Department and gave them the information.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98105
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I was informed by USAA that I my accounts were being closed for " Dispute Fraud '' which is something I had never heard of. I was told it was they deemed my disputes as fraudulent and were discontinuing their relationship with me and closing my accounts. I advised them I thought I had a right to dispute and was told by an old accounting professor that we should dispute stuff all the time and while I disagreed with their decision ( been a customer for 12 years ) I would just take my business elsewhere. They advised me they would be sending a check to my address with the left over funds. I proceeded to open a new checking account with a new bank. I called about a week later as I had not seen the check, and I wanted to make sure my auto, renters, and boat insurance was not set up to renew - as I had already paid the year up front. I call in and speak with XXXX, who tells me they have not sent the check yet and that she didnt have a way to transfer it to my new account. I asked to speak with a manager - which she then in turn read me a script confirming I wanted to speak with a manager and she would be transferring me. I confirmed his with XXXX. She then transferred me to a new person - who told me that my account was in fact not closed but was in the process of closing and is scheduled to close XX/XX/XXXX. I explained to him that this was not ok, I do not owe ANY debts at all let alone to USAA. I do not owe them any prior balances, I do not have any negative account, or any other debt obligation. I also confirmed this on the call with XXXX XXXX. I explained to XXXX that this was not ok and we needed to get this rectified. He then put me on hold to speak to a supervisor. I told him I was told he was one and he said no - I'm a senior rep. He then put me on hold for a bit while we waited for a supervisor. He can back to the line about 15 later and said " Yea so it will be mailed out 10 days after we close it '' - I again explained to him that this was not ok and I was holding for a supervisor. He then said that one wasn't available. I explained to him that the call was being recorded and I was going to record on my end. I explained to him again I needed to speak with a supervisor - he can back again after another 15 min and said one was not available. I again explained to him that I will continue to hold. I had a feeling that he was not telling me the truth and was just putting me on hold and then walking away from his phone- so I called in from my girlfriends phone and also asked to speak with a supervisor. I was transferred to a supervisor within 10 min of holding. XXXX XXXX was here name - we spoke and she seemed very helpful - she came back on the line after a hold and stated yes in fact the account was scheduled to close on XX/XX/XXXX and the check would be mailed out after that. I again explained to her this was not ok. She said it was their " closing process ''. I asked what that meant. She continues and said to me " We can call the CEO but that's my answer '' I then had to actually plead with her to try and provide someone who has zero outstanding transaction with a company can hold their funds for 60 days. She then put me on hold to " Find more info ''. She came back and confirmed both recent disputes were closed and the temporary credits were already removed from the account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 64086
Submitted Via: Web
Date Sent: 2020-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On or about XX/XX/2020, I refinanced an auto loan with USAA in order to get a better interest rate. The original loan was with them also. I received a new loan rate of 9.25. When I looked at the refinance documents, it showed a credit score of XXXX from XXXX. I have an XXXX account and knew that my credit score was XXXX. When I contacted USAA to see if they used additional or different scoring from XXXX, they said they did not. They took it directly from XXXX. I checked XXXX XXXX credit reporting, and the score was XXXX. Since all payments were on time, and this was the only credit bureau they used ( score is higher for XXXX and XXXX XXXX, I want to know what factored into this score and this interest rate.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This is my 3rd complaint on this matter. Usaa sent my vehicle out for repossession status. I paid all back owed. Usaa is still improperly reporting past due on the account. I paid all past due balance, usaa is reporting wrong information
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A