Date Received: 2020-07-22
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: XX/XX/XXXX. Received an email from USAA credit card that my credit limit has been decreased from {$16000.00} to {$2000.00} due to " extended account inactivity '' and an inaccurate XXXX XXXX XXXX. I monitor my XXXX score and it is XXXX as of XX/XX/XXXX, USAA has reported it as XXXX have filed a dispute with USAA over inaccurate score. I have an exceptional payment history and a 24 year relationship with the company. Last balance carried with this card was XX/XX/XXXX. I find it unacceptable and very damaging to my credit history that such a drastic decrease in credit limit has occurred without counsel.Over a {$14000.00} decrease!!. I spoke with XXXX, USAA executive resolutions, who was inflexible, uncaring and arrogant. The credit card division of USAA fosters extremely poor customer relations. USAA membership is only open to service members and their families, my husband is a veteran. I believe they are mitigating loses and penalizing me for not using their credit card for 16 months, this at a time of great financial uncertainty due to the global pandemic. Do they support our service members and their families? The credit card division certainly DOES NOT
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23320
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: USAA terminated my account for filing a complaint for turning me into debt collection and terminating my account without cause. My father fought in the Korean Wat which is why I had an account with USAA to begin with. However, much like the VA USAA has decided under its new CEO to treat members of veterans like trash. I have attempted to login to pay towards my credit card and now I cant even login and I get letters from USAA that prides themselves falsely so that the take care of veterans and their families that I better pay or else. This conduct is outrageous and constitute harassment. Do something about it or I will turn it into the Attorney General.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37934
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I made some mistakes about filling disputes which were made by mistake. USAA has my checking account under review for potential debit card disputes. This isn't true I had canceled most of the disputes that were made by mistake & I requested recent ones that were filed by mistake. Sometimes the bank got wrong transactions and disputed them. But I would like the dispute feature to be disabled on my account. So no disputes can be no longer filed on my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 36869
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Monday, XX/XX/XXXX, my partner transferred {$100.00} from his personal checking account at XXXX XXXX to our joint checking account with USAA. A few hours after the transaction ( appx. XXXX XXXX ), I received notification from USAA that I needed to " verify '' the account/transaction. I immediately logged onto my account and verified the transaction as valid/authorized. I never received another notification from USAA after that date/time. On Wednesday, XX/XX/XXXX, at XXXX XXXX ( EST ) I arrived at our lawyers ' office to complete a closing on our home. I logged into my account at USAA to print out my bank account information to verify that my balances were as reported. At this time, I learned that I was locked out of all my accounts under my profile. When I called the toll free number provided to me with the lockout notice, I received a recording that the bank was closed. This was a typical business day, so I couldn't understand how the bank could be closed. Finally, after 8 attempts to call, I called the toll free number and didn't provide my profile information to the automated system. Now, the nightmare begins. No one could explain why the " high threat alert '' was triggered by an automatic system and not monitored by a fraud alert specialist. No one could explain why I repeatedly received a message that the bank was closed. It took 49 phone calls over two days to resolve the issue! I was promised three callbacks along the way - never happened. There is no accountability, a complete lack of training, and dismal leadership.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07112
Submitted Via: Web
Date Sent: 2020-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Hello, I am currently banking with USAA. On XX/XX/XXXX my account was hit with a string of fraudulent charges, the first of which was a charge from a company called XXXX XXXX XXXX ( name on charge ). This is the first time that this company has ever appeared on my account in the 7 years or so I have had this account. It is also the first of multiple charges ( all within minutes of each other ) that were all indeed found to have been fraudulent. I had no idea what this company even was until today. I did some research and found that the phone number associated with the charge is connected to the company XXXX and I believe ( trough the research I did through XXXX ) that this particular purchase was for what appears to be business cloud services through XXXX software of some kind. Well, first off I am a XXXX XXXX who does not even own a business of any kind or sort. So, why in the heck would I spend almost {$240.00} for cloud services for a business. It literally makes no sense. To add to that point I also do not have an account with XXXX, if i don't own a business, I don't even have an account with XXXX, and I have never purchased anything for " XXXX XXXX XXXX '' in my entire history of having an account with USAA, how could they possibly have actually done an investigation into my fraud case and determined that I somehow made this purchase. This seems to be an attempt to extort what money they can from their customers and hope that they do not look into or fight it. Well I am looking and I am fighting, because I DID NOT MAKE THIS PURCHASE AND IT IS VERY VERY VERY CLEARLY FRAUD. Thank you, XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2020-07-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: To Whom This May Concern, I am writing to dispute fraudulent charges on my XXXX XXXX accounts. This is not some online debt validation letter. I am seriously writing you this letter in real time. I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent charges and any related finance charge and other charges from my accounts. You marked these accounts as closed and charged off. You already have my Identity Theft Reporting documents supporting my position, and a copy of my credit report showing the fraudulent purchases items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). Account applications made on paper, online, or by telephone Application records or screen prints of internet/phone applications Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on all applications and accounts Stop reporting information about the debt to credit reporting companies Expired Statute of Limitations 6 years in Pennsylvania This letter is to inform you that I am aware of my rights under the Fair Debt Collection Practices Act and my state laws. I have verified through my states Attorney General that the Statute of Limitations for enforcing this type of debt through the courts in Pennsylvania has expired ( see attachment ). Therefore, should you decide to pursue this matter in court, I intend to inform the court of the expired Statute of Limitations. This letter will serve as your formal notification that I consider this matter closed and ask that you or anyone else from your company stop contacting me regarding this fraudulent debt matter, except to advise me that your debt collection efforts are ceasing or that a specific action allowed by the Fair Debt Collection Practices Act or my state laws, will be taken. Please be advised that I consider any contact not in compliance with the Fair Debt Collection Practices Act to be a serious violation of the law. Please use the attachment provided form IRS-1099c to write off this fraudulent debt and crease reporting me to the nationwide credit bureaus ( CRAs ). I will immediately report any violations to the proper authorities and take whatever legal action is necessary to stop this contact. Thank you for your cooperation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19103
Submitted Via: Web
Date Sent: 2020-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: USAA Savings Bank is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of Federal law.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: After trying unsuccessfully for 2 months to pay my credit card balance through the online app and basically being told my bank account doesn't exist or doesn't allow electronic payments ( a total lie, since every one of my other accounts accepts payment from my account ), I mailed a check to USAA on XX/XX/XXXX. On XXXX and XXXX I received collection calls. I told them the check was in the mail but probably would be delayed because of the holiday weekend, my due date isn't until the XXXX so I wasn't worried. Another collection call on the XXXX. Another collection call on XX/XX/XXXX, it had been enough time that they should have gotten the payment by now. I checked with my bank, the check was deposited to USAA on XX/XX/XXXX and the payment went through on XX/XX/XXXX ... So why was I still getting collection calls? I gave them the benefit of the doubt, " maybe it takes a day to show up on the app when you pay by check, '' I said. XX/XX/XXXX another collection call. I checked the USAA app again, still no payment applied to my account. This time I contacted customer service. I was able to submit a " review request '' I gave them the check number, amount of payment, and even submitted a copy of the " lost '' check. XX/XX/XXXX can you guess what I got? Another collection call. I asked the operator if they had found my missing payment yet, " Ok, goodbye, '' was the response I received. Also on XX/XX/XXXX, I received my new statement, which still shows no payment applied, now shows a " past due '' payment and interest on top of it. I'm not about to pay late fees on money they already recieved.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 08094
Submitted Via: Web
Date Sent: 2020-07-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: So, XXXX XXXX XXXX XXXX is shown on letter. I am not entirely convinced of this debt, some of the account information listed does seem to show some information related to one of my XXXX U.S.A.A credit cards. However ; with being a victim of identity theft, I must make sure with out a shadow of doubt this company and its ' affiliate ( s ) and personnel such as XXXX XXXX contacting a relatives phone and subsequently, trying to reach me through my relative which the relative, wants Ms. XXXX XXXX to Cease and Desist said phone interruptions.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2020-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent XXXX XXXX 2 certified letters for account verification. Enclosed is what I received that looked like it was copy and paste of a statement. I requested proof of The amount of the debt ; The name of the creditor to whom the debt is owed ; Verification or copy of any judgment ( if applicable ) ; Proof that you are licensed to collect debts in Florida ; Proof of the last payment made on the account. Copy of Assignment Contract Copy Original creditor Copy Original contract
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32725
Submitted Via: Web
Date Sent: 2020-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A