Date Received: 2020-07-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I filed a complaint with IdentityTheft.GOV and reported I had my identity stolen in a few data breeches. One occurring from the VA and XXXX. I printed off a letter from the government website and sent it to USAA but they did not respond or remove from my credit report. I dont know what else to do as they dont respond and keep reporting a debt that is not mine. They are claiming I neglected to pay {$1200.00} for a fraudulent account that I disputed many many times.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32763
Submitted Via: Web
Date Sent: 2020-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-07
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: This is not a duplicate complaint. This is a complaint in regards to CFPB complaint XXXX. USAA blatantly lied on this complaint and said I never requested to have my name placed on the do not call list. XXXX never researched my calls because of they did, they wouldve seen that I requested XXXX separate times to be placed on the do not call list. You have done no research in this matter and I have an issue with the dishonesty USAA provided to me and the original CFPB complaint. You need to correct that lie
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 362XX
Submitted Via: Web
Date Sent: 2020-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-07
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a mortgage with USAA. The initial application was on XX/XX/20. I had never received a letter or call regarding the status of my application so I went online to ensure I had applied and resulted in an additional credit inquiry on XX/XX/20. When I called to inquire about my application, which by this time realized my credit was pulled for a second time, I was told by a representative that she will have to deny my application because there is a fraud alert on my credit report and she is unable to verify my identity. Ive been a member with USAA for more than 10 years and have never had any issues until now. I have an extended fraud alert on my credit report due to the XXXX data breach a few years ago where my personal information may have been released. The mortgage lender I applied with after my denial with USAA had no problem asking for a copy of my drivers license and a written and signed letter to confirm I was who I say I am and I was approved with no issues. USAA did not offer this option at all. They are not supposed to deny applicants based upon a fraud alert that is there for their protection and decide to deny them without asking for any other information to verify my identity with. Very dissatisfied with the service I received as a more than 10 year member.
Company Response: Company believes complaint is the result of an isolated error
State: FL
Zip: 32505
Submitted Via: Web
Date Sent: 2020-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-06
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I applied for a cosolidation Loan online with a loan marketing Firm and was contacted by what I thought was a Ligitimat online lender in which I completed the sitgnature of my application for the supposedly consolidation loan. During the supposed Bank verification process btheblender required a transfer in and out of my checking account as I was told by them. After I gave access to my account for verification the supposed lender deposited a fruadulant US Treasury Check into my account without my awareness because I was expecting them to make a wire transfer and not a deposit of a check. The funds were placed on hold that went into my account but I was unable to see the means by which the funds were deposited because the document linked to the funds was not available at the time for me to review in my online account. This took place on or around XX/XX/XXXX th or XX/XX/XXXX. Later on that night I logged into my account to check the status of the hold and checked to see if the deposit document was available for my review and that's when I made the discovery of the fraudulent check that was deposited into my checking account but because it was after business hours I had to wait until the next morning to report the fraudulent activity but when I tried to log into my USAA ONLINE ACCOUNT MY ACCOUNTS HAD BEEN LOCKED AND I WAS UNABLE TO LOG IN. WHEN I CALLED USAA TO INQUIRE ABOUT WHAT WAS GOING ON I WAS TOLD THAT MY ACCOUNTS WERE LOCKED BECAUSE OF SUSPICIOUS ACCOUNT ACTIVITY PENDING REVIEW BY A SPECIAL SECURITY DEPARTMENT WITHIN USAA and My Account could receive deposits but was not allowed withdrawal. After about 3 days when I called USAA TO INQUIRE ABOUT THE STATUS OF MY ACCOUNT I WAS INFORMED THAT USAA WAS EXERCISING IT'S RIGHT TO NOT DO BUSINESS WITH ME CITING BAD BUSINESS RELATIONSHIP WITH ME ALL BE IT I HAVE HAD ONE OTHER SCAM RAN ON ME INVOLVING THE SAME TYPE OF FAKE ILLIGITIMATE SCAMMING PROFILE I HAVE NEVER HAD ANY OTHER INCIDENTS OF THIS NATURE ACCEPT THESE TWO WHILE I WAS SEARCHING FOR FINANCIAL RELIEF ONLINE. AFTER USAA INFORMED ME OF THEIR INTENTION TO DISCONTINUE A BANKING RELATIONSHIP WITH ME I ASKED FOR THE RELEASE OF MY FUNDS AND WAS TOLD THAT I HAD TO WAIT UNTIL USAA CLOSED MY ACCOUNT AND I WOULD BE SENT A CHECK FOR ANY REMAINING BALANCE IN MY ACCOUNT WHICH NORMALLY WOULD TAKE AROUND 60 DAYS. I WAS TOTALLY AT A LOST BECAUSE THEY ARE ALLOWING DEPOSITS BUT NOT ALLOWING ME ACCESS TO MY OWN MONEY. MY VA Benefits were deposited to this USAA CHECKING ACCOUNT ON XX/XX/2020 AND I WAS NOT ALLOWED TO ACCESS ANY OF MY MONEY DESPITE THE INVESTIGATION BEING COMPLETE AND THE DECISION TO DISCONTINUE THE RELATIONSHIP BETWEEN ME AND USAA. I HAVE GOTTEN LATE FEES ON SOME OF MY FINANCIAL OBLIGATIONS AND CANCELLATION NOTICES ON OTHERS, I'M BEHIND ON MY BILLS AND AM UNABLE TO BUY GROCERIES OR NECESSITIES TO TAKE CARE OF MYSELF AND I HAVE BEEN DISTRAUGHT DURING THIS WHOLE THING DESPITE ME BEING SCAMMED AND DEFRAUDED BY THEM, MY OWN BANK HAS CAUSED ME EVEN MORE HURTFUL PAIN BY REFUSING ME ACCESS TO MONEY THAT I SACRIFICED AND PUT MY LIFE ON THE LINE SERVING MY COUNTRY AND ALL DURING A WORLDWIDE PANDEMIC WHERE PEOPLE ARE ALREADY SUFFERING. IT BREAKS MY HEART THAT OUR GOVERNMENT WOULD ALLOW SUCH BUSINESS PRACTICE AGAINST THE DEFENDERS OF OUR COUNTRY BY A FINANCIAL INSTITUTION THAT HIGHLY ADVERTISEMENT OF TOP NOTCH SERVICE TO OUR MILITARY AND VETERAN 'S COMMUNITY. I HAVE READ REVIEWS FROM QUITE A FEW MEMBERS/ EX MEMBERS OF USAA WHICH REVEALED THAT USAA DID THE EXACT SAME THING TO THEM AND SUGGEST THAT THIS IS A PATTERN OF FINANCIAL BUSINESS PRACTICE BY USAA THAT HAS BEEN ALLOWED TO CONTINUE BY IT'S GOVERNING BODIES UNLESS THEY ARE UNAWARE OF THE PRACTICE BY USAA AND THE HEARTBREAKING COMPLAINTS BY ITS MILITARY/VETERAN BASED CUSTOMERS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76119
Submitted Via: Web
Date Sent: 2020-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-05
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: This is a continued complaint from me from prior incident with usaa. My checking account was hooked up with usaa and XXXX to make direct payments on my credit card since XXXX with representative XXXX my account has been over are normal expenditures for 2 years I want the money taken from my checking account back. It amounts to an outrageous amount since argument with rep. 2 or more years of stealing from my account
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 535XX
Submitted Via: Web
Date Sent: 2020-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: See attatched USAA # XXXX Credit Reporting ( IS A PARTIAL ACCOUNT NUMBER?? ) What is a partial account number? What is the FULL account number? WHY IS THERE A PARTIAL ACCOUNT? Partial Accounts MUST BE IN VIOLATION OF FEDERAL FAIR CREDIT ACT LAW. I DID NOT OPEN THIS PARTIAL ACCOUNT Futhermore : USAA made A COLLECTION Unauthorized Payment XX/XX/2020 in Violation of Social Security Act SECTION 207.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: USAA allowed my ex husband to change my address on accounts his name was never on and were opened after I had moved to my current address. This caused a {$1200.00} check from them mailed in XXXX to never reach me. After a lot of research, they finally admitted the issue. However, I still dont have the check replaced yet. They cant even tell me if he cashed the original check even though only my name was on it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 64086
Submitted Via: Web
Date Sent: 2020-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I acquired a car loan from USAA in 2016. I requested and was informed that I'd be enrolled in USAAs automatic payment withdrawal program. A few months pass by and I was informed by USAA that I was late on payments for my vehicle. I informed them that this couldn't be the case since I was enrolled in the automatic payment withdrawal program. They stated that they would take care of the issue and remove any negative information off my credit card report. After many phone calls over the years to USAA and the credit bureaus, there hasn't been any resolution. This is something that wasn't my fault and I would like a successful resolution to this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2020-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: See attatched # XXXX XX/XX/XXXX XXXX Credit Report Dispute RESULTS. Kindly Note The Account Number You Provided DOES NOT MATCH ( ** UNFAIR CREDIT REPORTING BY USAA should be illegal ) Kindly Note USAA SAVINGS BANK ( *Partial Acct # XXXX **DATE OPENED XX/XX/XXXX*** Listed is Part Of See Attatched VISA/MSTR DEBT XXXX 1099-C CANCELATION OF DEBT XX/XX/XXXX. USAA CHANGED NUMBERS. 5 years later ALL USAA MSTR CARDS WERE AUTOMATICALLY TURNED INTO VISA ' s XXXX WITHOUT MY KNOWLEDGE Kindly Note Account CONFIRMS VISA/MSTR DEBT. This debt cancelled XX/XX/XXXX XXXX Five years later I AM HELD LIABLE FOR A VISA end XXXX I DID NOT AUTHORIZE OR APPLY OR AGREE TO OPEN ANY CREDITCARD WITH USAA OTHER THAN THE XX/XX/XXXX CANCELED DEBT??? Is This even LEGAL??? Clearly, It is Not Fair.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-01
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: I purchased a two day ski pass from XXXX XXXX ( XXXX ) for {$350.00} to be used between the dates of XXXX at XXXX XXXX XXXX XXXX I was able to use the first day as intended but XXXX closed all resorts for the season across the XXXX on XX/XX/XXXX due to the rise is COVID-19 cases and I was never able to use the second day. XXXX set up a webpage to request refunds which I utilized but I was told that it would take up to 12 weeks to see any sort of resolution. I didn't consider this an acceptable timeframe so I filed a dispute with USAA ( the credit card issuer ) on XX/XX/XXXX. Note that while I did not receive any further correspondence from XXXX regarding my utilization of the refund webpage ( and still haven't ), they only ended up offering customers the ability roll the unused days into a pass next year instead of issuing refunds to the method of payment. Regarding the dispute, I provided USAA with the public statement that XXXX XXXX closed on XX/XX/XXXX, as well as the invoice for the tickets purchased. The dispute was revoked and when I inquired I was shown proof provided by XXXX that I used the ticket on XX/XX/XXXX. I told the customer service rep that I mistakenly entered the full transaction amount and that my intention was to recoup half of the ticket value ( {$170.00} ) since only half of the days promised were used. The rep noted this in the dispute but I was again contacted by the bank at a later date and told I need to provide further proof of correspondence with the merchant ( for which XXXX did not provide a carbon copy of when the refunds webpage was utilized ). XXXX is notorious for poor customer service and they are currently engaged in a large civil suit with pass holders over this very matter so I would really prefer to not continue interacting with them for something that I do not consider to be an acceptable resolution ( unused days rolled into a pass next year ) nor a good use of time and energy. Bottom line, I was promised 2 days of lift service by XXXX and only provided 1 day of their own volition. I am seeking a method of payment refund of {$170.00} for the 1 unused day which XXXX is publicly refusing to do for their customers with unused days and USAA is being extremely difficult about issuing a chargeback for a service that was very clearly promised, purchased and not provided by the merchant.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78258
Submitted Via: Web
Date Sent: 2020-07-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A