Date Received: 2020-11-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I filed a claim with my homeowners insurance for damage that was sustained during a storm back in XXXX. The claim was approved and I was sent a check to start having the damage fixed. I come to find out that supposedly my claim is a tracked claim and I am being forced to jump through hoops to get the check endorsed by the mortgage company so that I can have the damage fixed. This company is making it very difficult and now my home has sustained more damage due to their issues. I have XXXX and do not handle situations like this well. They are also forcing me to pay money to have the check overnighted back to me to speed up the process even though they are the ones forcing me to do this. Times are tough enough and having to pay {$45.00} to have this matter expedited is sickening. I am a veteran and they are making it extremely difficult for me just to get my home repaired
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31069
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
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: Yes usaa is not helping me with a. Charge for merchandise I did order overnight and never received as a full tome Rv this is not uncommon and financial institutions need to be more attentive to their customers and the merchants the amount in dispute is XXXX never received a permanent credit in fact a reversal case XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: In XXXX, I had over {$270.00} in disputes on both checking accounts. I was instructed to send documentation on of before XX/XX/XXXX so that USAA could further investigate. I sent all documentation ( uploaded through the website XXXX XX/XX/2020. One documentation was for items I did not receive from XXXX XXXX. The other document was for ALL XXXX charges. On XX/XX/XXXX, I received a document from USAA ( in my account portal ) saying I would have additional time to upload documents. I thought that maybe they misread my previous documentation, so I sent it again on XX/XX/XXXX, XXXX uploaded to the website ) On the night of XX/XX/XXXX a received notification through the portal that USAA did not receive my documentation and all provisional funds would be withdrawn. I immediately called the next morning to attempt to speak with an associate in the disputes department. While I was on hold, somehow I was placed back into the que, got another associate and that associate stated she would send a message to the disputes/fraud team. Well the next day ( today XX/XX/2020 ) I login to my account to see that my is locked and being closed. When I called to speak to a rep. I was told that the fraud department feels that I am doing unlawful banking practices. From that, I gather that they feel that I am making false statements and/or claims to get money. This is not true. I did not receive goods/services from the merchants in question. USAA also states if you are having a hard time, please let us know. Well we are in the middle of a pandemic in which I have had a household member test positive for XXXX. This is not a game for me. Locking my mother, the joint owner out is not fair at all. She had nothing to do with any of this and now she doesn't have access to her funds to even get meds. That in itself is unlawful. THe least USAA could do is unlock the account so she could have access to funds.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 374XX
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX from XXXX calls me back to back if i ignore the phone calls. Also he calls representing USAA bank from a different company with whom i do not even have a relationship and insists on me " verifying '' my SSN with him.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22406
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: In XX/XX/2020 my wife signed a contract for employment at a XXXX trading company. She was to be paid about {$3000.00} during training. She received {$120.00} and was expecting the balance. On Friday XX/XX/2020, she was notified that she had been added to a USAA Savings Bank checking account. We did not understand how that could happen without her applying or even knowing about the action. She went to her USAA web page and saw this new account and that it had {$3000.00}. She then transferred the training pay to our joint accounts - still not knowing how or why USAA allowed her to be added to an account - as secondary - to someone named XXXX XXXX, who was listed as primary. Ten minutes later my wife received an email from USAA confirming that she had been put on that account, which the bank identified as her " cousin. '' XXXX, we have no idea who this person is. After the weekend, I went on my USAA web page and discovered that the bank had frozen three of my accounts. Now, the bank is extorting me for {$3000.00} to " unlock '' my three accounts. They have said they are going to take my Social Security direct deposit on XX/XX/XXXX. USAA Federal Savings Bank is implying that my wife was in on this apparent internet scam/fraud. We have reported it to the Federal Bureau of Investigation, with no immediate result.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-10
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: Hi I'm a XXXX Veteran i have been a member of USAA Federal Savings Bank for 8 yrs. I had purchase car insurance through usaa.I cancelled my car insurance with usaa on XX/XX/2020 every month since Ive had car insurance with them they have automatically taken out payments. They took out XXXX payment of {$440.00} from my checking account with them. I cancelled my car insurance on XXXX XXXX. They were also offering covid-19 payment plan so XXXX i paid {$51.00}, XXXX {$370.00}. The problem is they kept {$440.00} for the whole month of XXXX which I cancelled on XXXX XXXX. They say i owe them a balance of {$500.00} because they are still trying to collect and charge on a service I did not have anymore. How are they able to keep the car insurance payment for this month of XXXX and also charging me {$50000.00}. This company has had many complaints from other members about how they are cheating their members! I was also told by XXXX from the bank that if i ever get more car insurance from them i would have to pay {$500.00}. This is USAA Bank over charging people!! I have been an outstanding member of this bank! I shouldn't owe them anything they owe me a refund up until the time i cancelled with them on XXXX XXXX. Please investigate USAA! They are cheating members everyday!!! Please help me!!!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78223
Submitted Via: Web
Date Sent: 2020-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX of the last letter,
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78045
Submitted Via: Web
Date Sent: 2020-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-10
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: XX/XX/2020 claim was reported some items recovered at pawn shopXX/XX/XXXX XXXX dollars was paid out on this claim but on my report
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78754
Submitted Via: Web
Date Sent: 2020-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: IVE ATTACHED USAA PAYMENT HISTORYS FOR ACCOUNTS THAT WERE CLOSED/CHARGED OFF BY USAA. THESE ACCOUNTS HAVE CAUSED A SNOW-BALL CATASTROPHIC PLUNGE TO MY SCORE OF XXXX! MY ATTACHED CREDIT PAYMENT HISTORY WILL CLEARLY DEMONSTRATE HEALTHLY CONSUMER ACTIVITY PRIOR/LEADING TO THE 2020 PANDEMIC. MY UNUSUAL PAYMENT ACTIVITY IS SOLELY DUE TO COVID 'S PANDEMIC IN WHICH I'VE STRESSED TO USAA. IM LABLED AS A HIGH-RISK CONSUMER WHICH IS INCORRECT & FALSE. USAAS UNWILLINGNESS TO TAKE THE TIME TO PHYSICALLY REVIEW MY CREDIT HISTORY INORDER TO MAKE AN ACCURATE AND SOUND CREDIT DECISION PER REQUEST HAS LEFT ME CONFUSED THIS ENTIRE YEAR. HAS CAUSED A BIGGER ISSUE IN REGARDS TO MY CREDIT SCORE. I NEVER KNEW XXXX CREDIT SCORES WERE EVEN POSSIBLE! USAA CONSUMER REPORTING IN 2020 HAS MISREPRESENTED MY TRUE CONSUMER IDENTITY. I UNDERSTAND FINANCIAL INSTITUTIONS HAVE RULES AND GUIDELINES. I TAKE FULL FINANCIAL RESPONSIBILITY FOR MY ACTIONS. I'M LEFT CONFUSED, NOT ONE USAA REP TOOK THE TIME TO LOOK INTO MY CREDIT HISTORY TO ACCURATELY GAIN A BETTER UNDERSTANDING & PERSPECTIVE ON WHO I AM AS A XXXX VETERAN CONSUMER. POSITIVE REPORTING CLEARLY DISPLAYED IN MY CONSUMER CREDIT REPORT PRIOR TO 2020. IVE INFORMED USAA OF MY HARDSHIP '' AT LEAST 6 TIMES A MONTH. BUT IM CONSTANTLY DENIED ASSISTANCE DO TO " NOT QUALIFIED '' TO RECIEVE NOR PARTICIPATE IN ANY USAA AID RELIEF PROGRAMS. BUT, REP REQUEST PAYMENT FOR PAST DUE ACCOUNT. C'MON. MY ENTIRE CREDIT HISTORY HAS BEEN DESTROYED ALL IN 10 MONTHS. ECONOMY DOWN ( SLOWLY PICKING BACK UP NOW ), ZERO AID RELIEF THIS ENTIRE PANDEMIC, WIPED OUT CHECKING & SAVING TO SUPPORT MY XXXX KIDS AS A SINGLE DAD. I COULD CARE LESS ABOUT MY CHECKINGS ANDS SAVINGS ACCT. ITS MY CREDIT I TAKE PRIDE IN. WITH A CURRENTXX/XX/XXXX CREDIT SCORE, THATS AN INACCURATE AND COMPLETE MISREPRESENTATION OF MY TRUE CONSUMER ID. ALSO, LENDERS REFUSE TO GRANT ANY FINANCIAL REQUEST. MY XXXX TODDLERS AND I HAVE BEEN THROUGH LIFE CHANGING EVENTS AND SEVERELY PENALIZED DUE TO CONSUMER REPORTING INACCURACIES. I'VE PLEADED WITH USAA, PLEASE BASE ANY/ALL CREDIT DECISIONS PRIOR TO 2020 WHICH WAS DISREGARDED. AND CONSEQUENTLY, I NOW HAVE " XXXX '' RESOURCES DUE TO INACCURACIES LISTED ON 2020 CREDIT REPORT. AS A XXXX XXXX XXXX VET BATTLING XX/XX/XXXX, AND 11 GOOD YRS BANKING WITH USAA. WOULD HAVE NEVER IMAGINE USAA WOULD CLOSE THERE DOORS ON ME AND MY FAMILY DURING NATIONAL DISASTER
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34142
Submitted Via: Web
Date Sent: 2020-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-07
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: IVE ATTACHED USAA PAYMENT HISTORYS FOR ACCOUNTS THAT WERE CLOSED/CHARGED OFF BY USAA. THESE ACCOUNTS HAVE CAUSED A SNOW-BALL CATASTROPHIC PLUNGE TO MY SCORE OF XXXX! MY ATTACHED CREDIT PAYMENT HISTORY WILL CLEARLY DEMONSTRATE HEALTHLY CONSUMER ACTIVITY PRIOR/LEADING TO THE 2020 PANDEMIC. MY UNUSUAL PAYMENT ACTIVITY IS SOLELY DUE TO COVID 'S PANDEMIC IN WHICH I'VE STRESSED TO USAA. IM LABLED AS A HIGH-RISK CONSUMER WHICH IS INCORRECT & FALSE. USAAS UNWILLINGNESS TO TAKE THE TIME TO PHYSICALLY REVIEW MY CREDIT HISTORY INORDER TO MAKE AN ACCURATE AND SOUND CREDIT DECISION PER REQUEST HAS LEFT ME CONFUSED THIS ENTIRE YEAR. HAS CAUSED A BIGGER ISSUE IN REGARDS TO MY CREDIT SCORE. I NEVER KNEW XXXX CREDIT SCORES WERE EVEN POSSIBLE! USAA CONSUMER REPORTING IN 2020 HAS MISREPRESENTED MY TRUE CONSUMER IDENTITY. I UNDERSTAND FINANCIAL INSTITUTIONS HAVE RULES AND GUIDELINES. I TAKE FULL FINANCIAL RESPONSIBILITY FOR MY ACTIONS. I'M LEFT CONFUSED, NOT ONE USAA REP TOOK THE TIME TO LOOK INTO MY CREDIT HISTORY TO ACCURATELY GAIN A BETTER UNDERSTANDING & PERSPECTIVE ON WHO I AM AS A XXXX VETERAN CONSUMER. POSITIVE REPORTING CLEARLY DISPLAYED IN MY CONSUMER CREDIT REPORT PRIOR TO 2020. IVE INFORMED USAA OF MY HARDSHIP '' AT LEAST 6 TIMES A MONTH. BUT IM CONSTANTLY DENIED ASSISTANCE DO TO " NOT QUALIFIED '' TO RECIEVE NOR PARTICIPATE IN ANY USAA AID RELIEF PROGRAMS. BUT, REP REQUEST PAYMENT FOR PAST DUE ACCOUNT. C'MON. MY ENTIRE CREDIT HISTORY HAS BEEN DESTROYED ALL IN 10 MONTHS. ECONOMY DOWN ( SLOWLY PICKING BACK UP NOW ), ZERO AID RELIEF THIS ENTIRE PANDEMIC, WIPED OUT CHECKING & SAVING TO SUPPORT MY XXXX KIDS AS A SINGLE DAD. I COULD CARE LESS ABOUT MY CHECKINGS ANDS SAVINGS ACCT. ITS MY CREDIT I TAKE PRIDE IN. WITH A CURRENT XXXX CREDIT SCORE, THATS AN INACCURATE AND COMPLETE MISREPRESENTATION OF MY TRUE CONSUMER ID. ALSO, LENDERS REFUSE TO GRANT ANY FINANCIAL REQUEST. MY XXXX TODDLERS AND I HAVE BEEN THROUGH LIFE CHANGING EVENTS AND SEVERELY PENALIZED DUE TO CONSUMER REPORTING INACCURACIES. I'VE PLEADED WITH USAA, PLEASE BASE ANY/ALL CREDIT DECISIONS PRIOR TO 2020 WHICH WAS DISREGARDED. AND CONSEQUENTLY, I NOW HAVE " ZERO '' RESOURCES DUE TO INACCURACIES LISTED ON 2020 CREDIT REPORT. AS A XXXX XXXX XXXX VET BATTLING XX/XX/XXXX, AND 11 GOOD YRS BANKING WITH USAA. WOULD HAVE NEVER IMAGINE USAA WOULD CLOSE THERE DOORS ON ME AND MY FAMILY DURING NATIONAL DISASTER.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34142
Submitted Via: Web
Date Sent: 2020-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A