Date Received: 2023-12-04
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I filed a complaint ( ID XXXX ), on XX/XX/2023. All information about what was experienced thus was documented there. USAA did reopen the case and claim to have reinvestigated. I, however, still did not get a call from the Dispute team, which I asked for. I was told the Dispute team notated that I sent a lot of things but mostly not on regards to what they wanted. The blanket document USAA sends never clearly states anything. This whole ordeal began on XX/XX/2023, as of Friday, XX/XX/2023, I get a document saying there were no errors made and USAA will be reversing the {$900.00} on XX/XX/XXXX. I spoke to someone on the Resolution Team again and this time she heard me out and everything that has transpired due to this. USAA has put my case with the Dispute Team, this is a fraud case as well. Since XX/XX/2023, there was a credit card trying to be opened on XX/XX/2023 with XXXX XXXXXXXX XXXX which I filed complaint ID XXXX on XX/XX/2023. The purchase of the puppy and this XXXX XXXXXXXX XXXX both have a XXXX XXXX, SD address. This place has never been on my radar, have not been there, or been affiliated with this since this. As of today, I hav filed another complaint with the Identity.theft.gov because now someone is trying to book hotels and such using my name, reference # XXXX. My credit reports have fraud alerts, they are all frozen. I do not think USAA has taken my case to the correct department. This needs to be address because it has taken a significant toll and hardship on me.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: VA
Zip: 23608
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been a victim of identity theft and accounts were opened fraudulently by utilizing my personal data. Im highly upset with the level of inaccurate thats being display on my good credit. All I do is work and care of my home, so there was never a need to add any of these consumer accounts to my consumer report. I wish to have this matter resolved and removed immediately. Ive filed a criminal case with the police department regarding this matter. Documents are attached to this complaint.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31909
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: on XX/XX/XXXX, I deposited a check from XXXX XXXX XXXX XXXX for {$3000.00} to my personal USAA checking account. After I had submitted the deposit, I was told that my funds would not be available until XX/XX/XXXX in violation of Regulation CC which requires that a deposit is held for no more than 3 days. Additionally in further violation, USAA did not make the first {$200.00} available on the next day of deposit or the second {$600.00} on the second business day. Conversations with customer service rep were unable to request an early release and the only relief offered was for me to call back in 3 days and request an early release, where I MIGHT have access to my deposited funds. I have had this account for over XXXX years so the new account hold does not apply to my account, however that is the hold they are applying. My account also does not fall into exception holds were the account has been withdrawn for XXXX business days out of the XXXX months or withdrawn over $ XXXX for XXXX business days. I deposited this money to pay my mortgage and because of the unlawful application of these hold, I will be late on my mortgage payment and incur late fees.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20653
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Fraud or scam
Subissue:
Consumer Complaint: CFPB- I come before you on XXXX day of XX/XX/XXXX with major concerns/complaints that USAA et a. May have, still is, will continue to breach contracts, commit violations, securities fraud by withholding necessary information from the holders. XXXX XXXX is the signer for most forms. The form that is misleading is the XXXX form the form where you seek to find the process to execute a new issue with indentured trustee which in this case is XXXX XXXX XXXX. After sending several registered securities without any acknowledgment thus far to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After calling XXXX XXXX I was told what I was given was completely incorrect and everything I did was null/Voided and was shortly given the correct procedures. - From my understanding USAA doesnt know where the titles of my cars are located nor have they try to secure them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: on XX/XX/2023 a withdrawal from my Usaa checking account occurred without my knowledge in an amount of {$500.00} making my account they say overdrawn. Usaa did a transfer out of my account without my knowledge or consent. They say money was transferred to XXXX XXXX but XXXX XXXX knows nothing about this and money is not in my XXXX XXXX account. Even though I requested full info in writing about this transaction, Usaa has not sent anything to me explaining how this happened and are not refunding my $ XXXX don't believe XXXX XXXX did any such transfer out. Money is missing as of XX/XX/2023
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 710XX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Accounts was paid in full. Bank did not processed check in a timely matter and they report my account as delinquent damaging credit score.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92562
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: USAA sent me two letters dated XXXX that I did not receive until XXXX. One letter said my two credit cards ( XXXX and XXXX XXXX had been cancelled. The second letter said my three banking accounts with them would be closed on XXXX. I had two savings accounts and one checking account. The letter about my bank accounts said, " We're sorry to inform you that USAA Federal Savings Bank is exercising its right to no longer do banking business with you per our Depository Agreement. '' The letter about my credit cards said, " We are writing to inform you that USAA Savings Bank is exercising its right to no longer maintain a banking relationship with you due to your account activity or usage with us or an affiliate. '' I called the number given in the letters to contact with questions. I first spoke with XXXX who told me she was not authorized to give me an explanation of why the accounts were closed other than what the letters said. I asked for her supervisor and then spoke with XXXX who told me decision was made by the Anti Money Laundering Ops Team and could not be reversed. XXXX said the reason could be due to money laundering or fraud. He attempted to contact the AML Ops Team but was told he was not authorized to deal with them. He told me this happens all the time. He reviewed my accounts and said he could not see any suspicious activity that would have caused the arbitrary closures. When I asked for his supervisor, he said one was not available but that they would tell me the exact same thing he had. Apparently, nobody at USAA is authorized to give an explanation. The ALS Ops Team has no public phone number or email address. My husband and I have been members of USA since approximately XXXX and never been late on a payment as our credit cards were set up to be automatically paid in full by AED monthly. Our banking accounts have never had a problem. Our checking account has never been overdrawn or had any returned checks. On the date of the letters, XXXX, I had made an interbank transfer of {$25000.00} from one of our savings accounts to a savings account we have at XXXX XXXX. This was done to realize a much larger APY than USAA pays. I have made these transfers before. The only conclusion I can reach is that USAA felt they were not making enough money on our accounts. Possibly it could be because I am a XXXX XXXX female aged XXXX years. I certainly have nothing to do with money laundering, nor have I committed any fraud that I am aware of. What USAA did may be legal, and it may be true they are not required to explain their actions, but it certainly is not ethical to treat a customer in this manner. All I want is an explanation for why they did this. If they believe I did something wrong, they could tell me what it was. Right now I have no viable clue. I read in my XXXX magazine, and in a XXXX XXXX XXXXXXXX article that this sort of thing is happening more and more, and that many complaints have been registered. This seems grossly unfair. Thank you for the opportunity to submit this complaint. XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 my VA and Social Security Benefits were deposited and upon attempt to withdrawing my funds I was informed my account was frozen and could not access my government benefits. Have attempted more than enough times to speak with someone about this matter and to no avail. The bank institution is USAA!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 460XX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: This whole journey started when my mail was stolen and my new credit card from USAA was stolen and attempted to be used. I contacted USAA about it and requested a new card and let them know that I did not make the charges. I then took steps to further secure my account like changing my password. Unbeknownst to me, and without contacting me, USAA placed my account in a security freeze and would not allow outgoing payments. In this time, my power bill to XXXX XXXX was set to autopay. Without prior warning, or explanation afterwards, my payment to XXXX XXXX was denied by USAA. This caused me to incur at {$30.00} rejected payment fee and potentially a late payment fee. I am unsure if this is counted as a late payment against my credit. I have not been told why my scheduled payment was denied by USAA, nor have they offered a remedy.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30306
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Around maybe two months ago I opened an account with USAA and deposited my first check. Waited the usual 7 business days and got kicked out of my account. Called them about it they said theyre exercising their right not to do business with me and told me I would get a check in the mail in 60 days. So I waited, nothing came so I called back. Except they told me the same thing and there was no check being sent and refused to give me any information. So I let it go then I get an email a few weeks later about the account, so I called. They told me theyre was some information missing and since I turnt XXXX recently they asked me to send in my id so I did. And they told me to wait so I did. Then I called again they had me send it in again I called again and now theyre saying they cant verify me bc my number is changed, yet I have the same email and have gotten codes sent to my email on multiple occasions. Tbh at this point Im giving up, that was my first pay check from XXXX and it was only a measly {$280.00} I just wanted my money back. But hopefully this review will keep some from making the mistake I did by not banking with USAA.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48067
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A