Date Received: 2023-12-07
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: On XX/XX/2023 I submitted a application for a car loan only to be denied because of ( income ) which is a violation under ECOA I was advised by employee to submit another application which was submitted on XX/XX/2023 only to be denied again for the same reason and credit score. I sent in 3 letters to the CFO XXXX XXXX for his office to respond that they stand behind their decision and completely ignore me as a consumer and member of USAA Bank. This is a clear violation under ECOA and the Federal reserve Act. I submitted the application in good faith and I did not get a proper valuable consideration on either application. I have continued to communicate with USAA only to now be ignored and I am calling for the CFPB to assist me in this breach of contract and non performance of fiduciary duties by CFO XXXX XXXX. I as the consumer am aware of my rights and to be denied my GOD given right is a disgrace to the XXXX people
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 36067
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: i had an auto loan usaa for a XXXX XXXXXXXX XXXX XXXX XXXX vehichle was stolen while i was out of town at a car show. shortly after the vehicle was stolen, covid hit in early XXXX so not only was i not able to work due to a national shut down for the pandemic, but the insurance company shut down as well, so they were unable to pay the balance of the loan in a timely manner. however, when they reopened, they paid off the balance of the loan but usaa had already put the account in collections and refused to changed it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30260
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was trying to use money and they denied me access to my available funds. And said I cant use them for 7-14 days with no explanation or warning at all
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 79762
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was a victim of account takeover fraud, once I realized what happened I immediately called USAA on XXXX, the dispute was opened, and investigation began. On XX/XX/ a provisional credit was issued in the amounts of {$2500.00} and {$1900.00}. USAA failed to promptly provide written disclosures to the consumer summarizing the consumers liability for unauthorized EFT 's, failed to provide means to identify the consumer to whom the access devise was issued, failed to provide the telephone number and address for reporting that an unauthorized EFT has been made. Per the EFT Act, the financial institution was notified 1 day after the unauthorized electronic transfer and a representative from USAA identified that the device that was used to complete this unauthorized EFT was in fact an android phone, which they were also able to see that the consumer who holds the account at USAA is not an android user. The consumer also filed an FTC report for identity theft as another precaution. USAA has refused to take responsibility for the account takeover fraud and has deemed the consumer liable for the unauthorized ETF. The consumer has done business with USAA in good faith for over 12 years. The consumer has been harmed by losing faith in the financial institution put in place to protect their nonpublic personal information and their money. The EFT Act protects consumers from situations like this under Section 205.6 Consumer Liability & Error Resolution. It states that the extent of the consumers liability is determined solely by the consumers promptness in notifying the financial institution. Other factors may not be used as a basis to hold consumers liable. USAA is holding the consumer liable for {$1900.00}. The reversal of the provisional credit has placed the consumers account in the negative and has put the consumer in a vulnerable state. I am in great turmoil and now Im in a financial crisis.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34761
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: On XXXX an ACH withdrawal of {$2400.00} to XXXX XXXX posted to my account with sufficient funds. The account had sufficient positive balance. On XXXX an auto deduction of insurance was made by USAA that created a negative balance in my account. On XXXX I received my regular paycheck of approximately {$7400.00}. USAA retroactively re-ordered the transactions to decline/return NSF the {$2400.00} payment that had already posted with sufficient balance costing me {$50.00} with the agency that collected the payment so they could debit {$280.00} for insurance. CFPB is actively investigating re-ordering as unethical and perhaps illegal.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 20111
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I moved to the XXXX in XXXX from another country. I applied to XXXX XXXX XXXX for security credit card and was denied. Then I called the credit department and was told that in XXXX, XXXX XXXX opened a saving accounts in USAA bank and XXXX XXXX XXXX XXXX, maybe somewhere else, I dont know. I found out today that XXXX stole my personal information and used it against me. I physically wasnt at the country at that time as I lived in XXXX. I moved to the XXXX this year. I want you to help me to investigate the case as my credit report and score depends on it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91202
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Company closed account after company placed duplicate credits on account following disputes. Company had been previously complained on and seemingly sabotaged account holder in effort to close account or scam out of money and close account as a phishing attempt was made on the same day credits were received and this doesn't seem like a coincidence. Agent was very rude when initially learning of account closure stating USAA no longer does business with you goodbye. Without stating the nature of the closure or that duplicates has been placed on account by a USAA analyst. This company needs to be thoroughly investigated as I am certain there is someone commiting fraud in house and putting a lot of hard working Americans financial state at risk.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76112
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28314
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: USAA is the account account openXXXX I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27610
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: USAA is closing the checking accounts & debit cards for my XXXX son. I am his guardian in TX. I have several guardianship accounts that I manage for my son. We also had several non-guardianship accounts that my son used to manage his allowance and food money. USAA states that my son can not have regular checking accounts while he has guardianship accounts. This policy/decision is inconsistent with with the goals of guardianship. As guardian, I must oversee all of XXXX financial activities. I provide oversight by having all of his income ( Social Security XXXX payments and income from work ) deposited into his guardianship account. My son has no visibility or direct control over the funds in his guardianship accounts. I direct the use of these funds to ensure that his basic necessities are paid for before other spending is allowed. Necessities include rent, utilities, renters insurance, food, medical care, etc. I am audited annually by the court on the management of XXXX XXXX. In addition, I am required to provide as much financial freedom to XXXX as he can handle, consistent with the requirements discussed above. XXXX rights under his guardianship are explained in the Rights of Wards document issued by the XXXX XXXX, TX XXXX XXXX. In this case, the rights listed as # XXXX and # XXXX, directly apply. XXXX to have a guardianship that encourages the development or maintenance of maximum selfreliance and independence in the ward with the eventual goal, if possible, of self-sufficiency ; 7. to financial selfdetermination for all public benefits after essential living expenses and health needs are met and to have access to a monthly personal allowance. To provide XXXX with appropriate access to a monthly allowance, we set up XXXX checking accounts for XXXX to use. First is his general allowance account. He uses the debit card for this account to pay for transportation ( bus & XXXX ), entertainment, and personal wants and needs. Second, he has an account/debit card to purchase food. I monitor all spending in these accounts as required by the court. By closing my son 's accounts, he has no direct access to any of his funds. In todays society, he must have a debit card, if he is to have any financial independence at all. Neither the public transportation system nor XXXX will take cash. His XXXX prevents him from driving. He orders his medications over the phone, uses his debit to pay his copay, and has the pharmacy deliver them to his apartment. He orders food and has XXXX and/or XXXX deliver it. While we could use pre-paid debit cards, this is a much less desirable alternative. The fees are high, adding funds is often difficult, and providing oversight is nearly impossible. It is also almost impossible to get an " account statement '' that can be submitted to the court for the annual audit. Having a non-guardianship checking/debit card account allows my son to use the bank 's phone app to check to see his account balance. This allows him to learn to manage his spending so that he does not run out of money before he gets his next allowance. He has no visibility of the guardianship accounts. Since I am listed as a co-owner, I can monitor all of the spending. In an emergency, I can immediately transfer money to his allowance if needed. I also have access to regular bank statements that I must provide to the court, as well as to the State when it is time to review/renew some of his benefits such as SNAP and Medicaid. The view of guardianship of the estate that considers it is an all or nothing proposition is simply wrong. My son is a XXXX XXXX. If he where still a XXXX there are state and Federal regulations that allow parent to oversee minor accounts. The same should be true for the XXXX. How is my son to learn to manage money if the banking system does not allow him to have a debit card? USAA has reviewed the attached documents and call today saying that they are proceeding with closing the non-guardianship accounts.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A