Date Received: 2020-06-29
Issue: Fraud or scam
Subissue:
Consumer Complaint: After being aware of being scammed use of XXXX as a money transfer service through my bank USAA I filled a dispute. I thought by using XXXX as the USAA app has it on their service that I was offered protections. Apparently I am not and USAA will do nothing at all even after being a member for over 10 years with multiple services from them. All they can say is Im sorry. They never kept in up to date with the dispute I had to contact them every time. And even after they denied my claim they still did not inform me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85032
Submitted Via: Web
Date Sent: 2020-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: See attatched EXPERIAN CREDIT REPORT BY USAA. # XXXX XXXX XXXX XX/XX/XXXX Account Number does Not match. See circled USAA ( *Account XXXX ) Opened XX/XX/XXXX I DID NOT OPEN THIS FRAUDULENT ACCOUNT .See attatched 1099- C USAA CANCELLATION OF DEBT Account ( XXXX ) XX/XX/XXXX never closed. Two New Accounts opened Fraudulently WITHOUT " VERIFICATION '' OR AUTHORIZATION See attatched new account Mastercard Statement ( XXXX XXXX XXXX XXXX ) of XX/XX/XXXX {$100.00} balance. I DID NOT OPEN THIS CREDIT CARD. see attatched CREDIT CARD FRAUD CLAIM claim date XX/XX/XXXX {$470.00} card XXXX UNAUTHORIZED TRANSACTIONS OCCURRED. I DID NOT OPEN THIS CREDIT CARD VISA XXXX. SEE Attatched USAA CREDIT CARD I REFUSED NEVER ACTIVATED ( *Account XXXX ) I DID NOT OPEN THIS CREDITCARD ACCOUNT. AGAIN USAA ACCOUNT NUMBERS KEEP CHANGING ( a. XXXX, b. XXXX, c. XXXX, d. XXXX )??? ** KINDLY NOTE FOUR DIFFERENT ACCOUNT NUMBERS. I DID NOT APPLY FOR AUTHORIZE OR OPEN ANY CREDITCARD AFTER XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: See attatched XXXX Credit Report USAA ( Account XXXX ) Date Closed XX/XX/XXXX Sold/Transfered Deliquent ** IS STILL OPEN See attatched USAA Mastercard Statement Account ( XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$100.00}?????? What is going on? AND WHICH ACCOUNT OPENED THE VISA XXXX AUTOMATICALLY WITHOUT MY AUTHORIZATION?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: See attatched USAA 1099-C ( Account ( 4 ) XXXX ) CANCELLATION OF DEBT ( Closed XX/XX/XXXX ) credit limit {$15000.00} CANCELED DEBT {$9600.00}. See attatched XXXX Credit Report " VERIFIED '' by USAA. USAA FRAUDULENTLY CHANGED ACCOUNT NUMBER TO Account. ( 5 ) XXXX Reported Sold Reported Date Closed XX/XX/XXXX Kindly Note credit Limit {$15000.00}. USAA REPORTS INFORMATION CHANGING ACCOUNT NUMBERS??? Kindly Note THIS ( ACCOUNT IS ( 4 ) XXXX ) credit limit {$3000.00} Opened XX/XX/XXXX?? How did the Cancelled Debt Account become a new Fraudulent Account to charge off?? DECEPTIVE UNFAIR FRAUDULENT CREDIT REPORTING
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-26
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: This complaint is in regards to credit card dispute of XX/XX/2020 for {$380.00}. On XX/XX/2020, USAA informed me that they will refuse to refund {$380.00} from XXXX XXXX ( XXXX ) for a cancelled airline ticket reservation because the COVID-19 pandemic. USAA refuses to issue a written guarantee to refund the money if XXXX XXXX files for bankruptcy or there is no vaccination available by the time the voucher expires. USAA is enabling XXXX XXXX to apply 2 sets of standards because of the pandemic. One for XXXX XXXX in order to get exceptions & breaks, in addition to federal financial assistance. The other is for USAA members/consumers as myself by taking my money to use it as collateral for additional financing and warrants. The COVID-19 pandemic is a clear force majeure event. A force majeure entails both parties effectively voiding a contract and being returned to their previous position. It doesnt allow one party ( XXXX XXXX ) not to perform while still keeping the money. This unearned money in the books is being used as collateral for additional financing and warrants. XXXX XXXX carries chargeback insurance. USAA ( and XXXX XXXX ) are disregarding the Fair Credit Billing Act and Truth in Lending Act. The chargeback mechanism exists primarily for consumer protection. Holders of credit cards issued in the United States are afforded reversal rights by Regulation Z of the Truth in Lending Act. COVID-19 continues to be out of control in the US, including Florida. The Centers for Disease Control and Prevention ( CDC ) is clear : Because travel increases your chances of getting infected and spreading COVID-19, staying home is the best way to protect yourself and others from getting sick. It is highly probable that vaccination is not going to be available by the time the voucher expires. In regards to credit cards disputes, USAA is NOT for its members, but for the merchants, such as XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-26
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: See attatched USAA CREDIT CARD FRAUD CLAIM LETTER OF XX/XX/XXXX. Claim Date CONFIRMED XX/XX/XXXX {$470.00} UNAUTHORIZED TRANSACTIONS. 1 ) What statement will I find ( {$470.00} ** INCLUDED IN TOTAL CREDITS FOR THIS PERIOD.??? ) I have all statements XX/XX/XXXX until current. THERE ARE NO PERMANET FRAUD CREDITS APPLIED. ( Kindly Note USAA UNTIMELY FRAUD INVESTIGATIONS NOT DONE UNTIL XX/XX/XXXX A YEAR AFTER Claim Date XXXX XXXX ) NO USAA PERMANET FRAUD CREDITS PROVIDED XXXX Remember usaa policy of temporary credits that fall off and are NOT EVER INCLUDED IN TOTAL CREDITS FOR THIS PERIOD. They appear as ADJUSTMENT PURCHASES and are only Temporary until MADE PERMANET.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-26
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: See attatched USAA Mastercard Account XXXX XXXX Statement of XX/XX/2014 transactions {$100.00}. I DID NOT CHARGE TRANSACTIONS. I DID NOT OPEN THIS ACCOUNT. WHAT HAPPENED TO THIS ACCOUNT? HOW? WHY? ARE THERE NO RECORDS THIS ACCOUNT EVER EXSISTED. WHAT IS GOING ON AT USAA?? HOW LONG HAS IT BEEN GOING ON? 1 ) What method was used to ACTIVATE THIS CARD? 2 ) What date was it activated to post these transactions? 3 ) How it was " VERIFIED '' IT WAS ME? FURTHMORE : 4 ) USAA required under FCRA to have a copy of the Original Documentation a Consumer Application & Contract with my Signature to open this account as required under SECTION 609 a 1 A & SECTION 611 a 1 USAA have failed to provide Method of Verification as required under SECTION 611 a 7. This is in Violation of Federal Law. I DID NOT OPEN THIS ACCOUNT. I DID NOT ACTIVATE THIS CARD TO POST FRAUDULENT TRANSACTIONS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-26
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2020 I purchased airline tickets with travel planned on XX/XX/2020 using my Checking Account Debit Card issued by USAA Federal Savings Bank. In XX/XX/2020 I contacted USAA and informed them that the airline had publicly announced that they were suspending flights on my reserved route. I contacted USAA and requested to dispute the charge. At that time USAA responded that the transaction was more than 30 days old and they could not dispute the transaction for that reason. On XX/XX/XXXX I contacted USAA and explained that airline tickets were often purchased in advance of travel and that I believed a waiver of the time limits was appropriate in this case. USAA agreed to re-open the dispute. On XX/XX/2020 the vendor, XXXX, notified me that the flight I had booked was cancelled. I requested that XXXX issue me a refund per US Department of Transportation regulations. XXXX stated that " they were not issuing refunds ''. I contacted USAA and requested that USAA charge-back the transaction. USAA responded on XX/XX/2020 that " ... some merchants were required to cease their services due to the COVID-19 pandemic ... '' and therefore USAA would not fulfill their fiduciary responsibility to their customer and would not charge back the merchant on my behalf. On XX/XX/2020 USAA sent me a new dispute resolution notice wherein they returned to their original position that the dispute was not timely placed. I am also struggling due to the pandemic and on a fixed income. I do not understand why the bank would protect unscrupulous vendors to the detriment of their long time customers ( over 20 years ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 930XX
Submitted Via: Web
Date Sent: 2020-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-25
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: USAA is refusing to close out a joint checking account that I have with my ex girlfriend listed as a secondary. There are no fees associated with the account, no automatic payments, no overdraft protection, no balance, and no recent activity on the account. The representatives have only given me the reason that they want to talk to her about " another bank matter ''. This stands in violation of the Depository Agreement. I have a chat transcript with a representative for USAA indicating that they are not willing to close the account on this basis and that the account has been cleared for closure in all other regards, " With my report made, and having qualified the account for closure. Was there anything else I may look into for you today, Mr . *****? ''
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27104
Submitted Via: Web
Date Sent: 2020-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/XXXX the two credit cards used on line for deliveries ( I am XXXX XXXX needing supplies for survival ) XXXX & USAA both had UNAUTHORIZED TRANSACTIONS of {$8000.00} Not ordered from my phone IP Address & OR Items charged Not Delivered. XXXX XXXX Data Breach Confirmed my data was exposed. Mail fraud occurred see attatched CRIMINAL INVESTIGATION UNITED STATES POSTAL INSPECTION LETTER dated XX/XX/XXXX USPS ( DELIVERIES NOT MADE. ) See attatched FTC ID Theft case XXXX. * ( BANKS ARE NOT WCAG ADA 2.1 COMPLIANT PER FERERAL LAW* ) See Police Report. See XXXX Confirmation XXXX Reported Disputed NOT FIXED. XXXX ACCOUNT XXXX USAA ACCOUNT XXXX & USAA ACCOUNT XXXX ( Despite written requests, the unverified original signatures for deliveries made into my hands & signatures of contract application still remain on my credit report in violation of Federal Law. Federal FCRA Law requires a copy to be held on file. XXXX is required by law to VERIFY that this information is mine and correct having recieved items charged. In results of investigation you stated these items " VERIFIED '' being " REPORTED CORRECTLY "? ) Who verified these accounts? XXXX has Not provided me a copy of any original signatures deliveries made into my hands or contracts of application as required under SECTION 609 a1A & SECTION 611 a1A. Furthermore XXXX has ( failed to provide method of verification as required under section 611 a 7 ). XXXX please be advised under SECTION 611 5 A of FCRA - you are required to .... " promply DELETE all information which can not be verified '' The law is very clear as to civil liability and remedy available to me ( SECTION 616 & 617 ) if you fail to comply. I DEMAND THESE ACCOUNTS BE VERIFIED WITH ORIGINAL DOCUMENTATION of delivery made into my hands and all application contract signatures. ** XXXX DATA BREACH OF XXXX NOT EXPOSED UNTIL XXXX PROBABLY CAUSED THESE BANK FRAUDS. PER XXXX BREACH SITE MY DATA IS ON DARK WEB FOR FUTURE FRAUD ALSO & XXXX HAS NOT PROVIDED ANY RELIEF OR RESTITUTION. MILLIONS AMERICANS WERE EXPOSED. WHY IS XXXX ALLOWED TO HARM SO MANY WITHOUT ANY REPERCUSSION OR RESOLVE? American CONSUMERS & BANKS LOSS BY XXXX IS NOT RESOLVED ( 3 ) THREE YEARS LATER. WHY ARE THEY ABOVE THE LAW? I AM XXXX ON XXXX XXXX AT HOME AMERICAN TAXPAYING CITIZEN OF XXXX YRS LOSS OVER {$8000.00} TARGETED BY PROFILE NO PROTECTION. & NOW VIRUS??
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A