Date Received: 2020-06-19
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My Credit card is prepaid in the beginning. The problem I have is when ever I need to do a large purchase it ties up the card so I can not use it as pending. I can not put money on the card because it is not showing as being processed but It still reduces my " available credit '' so that I can not use it. USAA says they can not do anything until the other companies process it but still prevent my from doing anything with it. It leaves it as taken but not? If it is Prepaid and sitting in a CD for them than how can they not approve it so that the card can be used. I had to pay on some car parts and now I cant do anything to fix my house because everything is sitting in bureaucratic limbo. They money is there, but now I wont be able to pay any bills or repairs that I have.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 894XX
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Its been longer than 7years since this credit card been in collections. I want this account deleted from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 297XX
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I booked a vacation to XXXX, XXXX though XXXX and was making payment on the trip. I made 6 payments using my USAA debit card in the amounts {$45.00} on XX/XX/2020, {$98.00} on XX/XX/2020, {$260.00} on XX/XX/2020, {$260.00} on XX/XX/2020, {$260.00} on XX/XX/2020, {$260.00} on XX/XX/2020. I was informed via email from XXXX towards the end of XXXX that all international trips had been canceled due to Covid-19 and that they has closed down their operation/call center. Bookit.com stated they could not issue a refund at this time and to work with my bank. I worked with USAA on this and they gave me a temporary credit. Few weeks later the credits were reversed so I called again, gave more information on the situation and was issued another temporary credit. Once again, a few weeks later the credits were reversed. I spoke to an agent with USAA and was informed more information was needed. They could not specific what exactly was needed. So I put together a document with links to the XXXX XXXX XXXX ( XXXX ) for XXXX, credible new articles stating customers are not receiving refunds, screenshots from XXXX websites stating they are currently closed and to work with my bank for a refund. After submitting all of this USAA is saying they still need more information but can tell me exactly what information is needed to issue me a refund. I paid for a service and that service was not provided.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29681
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid off my accounts with USAA bank since XX/XX/2019. They have updated all bureaus still show charge off and but that is incorrect. They had agreed to change the status to " Paid and Satisfied ''. I need this resolved to proceed with my federal government security clearance. Thanks In Advance XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85298
Submitted Via: Web
Date Sent: 2020-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: USAA is constantly calling my cell phone. Im submitting this complaint after I asked to be placed on the Do Not Call list 3 times. I told them that I was unable to make my payment of {$56.00}. This is the first time Ive ever missed a payment and theyre called numerous times and sent a letter. The times they called were : XXXX- XX/XX/XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX-XX/XX/XXXX XXXX- XX/XX/XXXXXXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 362XX
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: ABUSE OF POWER. FORCED LIFETIME MEMBERSHIP. Where credit cards opened & payments made using members Undeletable Profile. USAA. PROVIDES NO DELETE POLICY. See attatched XXXX Credit Report USAA Account ( XXXX XXXX ) opened XX/XX/XXXX date closed XX/XX/XXXX IS ALL INCORRECT. See attatched XXXX Account ( XXXX XXXX ) DEBT DISCHARGED CANCELLATION DEBT XXXXWHY DID ACCOUNT NUMBERS CHANGE? ALL DATES INCORRECT? THESE ARE THE SAME ACCOUNTS WITH ( XXXX ) BEGINNING & ( XXXX )?? OR IS IT see attatched USAA MC statement XX/XX/XXXX with {$100.00}?? DELIQUENT. beginning ( XXXX ) See attatched USAA XX/XX/XXXX CREDIT CARD ( XXXX )?? ACCOUNTS KEEP CHANGING NUMBERS?? end XXXX DID NOT SETTLE UNTIL XX/XX/XXXX.?? Kindly Note XXXX Credit Report has USAA Account ( XXXX )?? DELIQUENT ALSO.see attatched CREDIT CARD FRAUD CLAIM OF XX/XX/XXXX UNAUTHIRIZED TRANSACTIONS {$470.00} VISA ending XXXX. USAA OPENED A VISA XXXX I DID NOT AUTHORIZE. A MC XXXX I DID NOT AUTHORIZE. USAA USED MY PRIVATE PROFILE DATA TO OPEN THESE TWO ACCOUNTS & POST A PAYMENT XX/XX/XXXX I DID NOT AUTHORIZE USING MY PRIVATE PROFILE DATA. USAA REFUSES TO DELETE MY PROFILE CLAIMING I AM A LIFETIME MEMBER. HOW CAN THEY HOLD MY PRIVATE DATA AGAINST MY WILL TIL DEATH DO US PART? ( *ABUSE OF POWER. * )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2020 I received a check with the amount of {$2200.00} in the mail from someone who portrayed himself as my supervisor. I was instructed to deposit the check and transfer {$1800.00} through XXXX as a donation to the local foster homes. I did not realize that I had been scammed until I checked my bank account to find that the check had bounced. As a result, my account had been overdrawn by {$1800.00}. I called my bank immediately to dispute these charges.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 775XX
Submitted Via: Web
Date Sent: 2020-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: USAA Blocks members from Reporting ID Theft CONSUMERS HELD LIABLE FOR FRAUD. 100 % liability remains on consumers accounts. USAA policy requires verification to reach IDTheft Department or any department requiring a profile recovery. Consumers are block from protecting themseves against ID Theft. I TRIED ON LINE USAA IS NOT ADA COMPLIANT FOR MY XXXX XXXX & AFTER VERIFYING ME FOR 37 YEARS ( ** SUDDENLY I AM UNABLE TO GET VERIFIED when phoning ) see ID Theft case XXXX dated XX/XX/XXXX Reported to FTC & UNABLE TO RESOLVE ID THEFT ON LINE OR BY PHONE to usaa. ( This is usaa 's 100 Liability Policy to protect usaa making it UNAVAILABLE TO CONSUMERS. ) I am held accountable for an account usaa created id theft USAA DID NOT CLOSE ACCOUNTMC END XXXX XX/XX/XXXX 1099-C CANCELATION OF DEBT & USED MY PRIVATE DATA from this account TO OPEN TWO FRAUDULENT ACCOUNTS MC END XXXX & VISA END XXXX ( 2 ) ACCOUNTS OPENED SAME DATE XX/XX/XXXX ** I DID NOT AUTHORIZE OR APPLY OR AGREE TO OPEN ANY MORE ACCOUNTS AFTER XXXX. NOW USAA WILL NOT ALLOW ME TO REACH ID THEFT DEPARTMENT FOR RESOLVE. usaa REVERSED {$3000.00} CREDITS THAT WERE MERCHANTS CREDITS XX/XX/XXXX USAA HAS PROVIDED NO PERMANET FRAUD CREDITS FROM XX/XX/XXXX FRAUD ( * NO ORIGINAL SIGNATURE OF APPLICATION & DRS LICENSE USED TO OPEN ACCOUNT IN VIOLATION OF FEDERAL LAW ) They ask me for to verify ** my drs license for ACCOUNT NOT MINE I DID NOT OPEN. I HAVE ASKED FOR YEARS USAA PROVIDE ME WITH DRS LICENSE THAT OPENED THESE ACCOUNTS TO NO AVAIL. USAA ASKS FOR MINE. Kindly Note usaa making restitution to XXXX, XXXX other members & fined XXXX XXXX DOES NOT STOP usaa from frauding consumers.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: See attatched : XX/XX/XXXX usaa Collection Letter. usaa Closed CFPB XXXX XXXX. I MADE THEM AWARE I DID NOT OPEN THIS ACCOUNT & I requested the Dr 's License Original Signed Contract usaa DISMISSED. usaa CONTINUES HARRASSING COLLECTION ON ID THEFT. see attatched statement MC end ( XXXX opened XX/XX/XXXX ) WITHOUT VERIFICATION. Balance {$100.00} NOT MY ACCOUNT. see attatched XX/XX/XXXX VISA CARD OPENED WITHOUT VERIFICATION end ( XXXX **CREDIT CARD FRAUD CLAIM ** UNAUTHORIZED TRANSACTIONS. ** I DID NOT OPEN THIS ACCOUNT XX/XX/XXXX, XXXX ) See attatched 1099-C CANCELATION DEBT XX/XX/XXXX USAA USED MY PRIVATE DATA FROM THIS ACCOUNT TO OPEN THE OTHER TWO. USAA HELD ME LIABLE FOR THREE ACCOUNTS DURING SAME PERIOD.XX/XX/XXXX I call to stop collection attempts. CLEARLY USAA does Not verify this account belongs to me. Rep informed me they can not speak to me anymore without me sending my license. I refused. Rep says are you a member of usaa.? All members are being required to send in LICENSES to update old info. I DO NOT WANT TO BE A MEMBER ANYMORE. USAA OPENS FRAUDULENT ACCOUNTS THEN COLLECTS ON THEM DURING A COUNTRY VIRUS EMERGENCY.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: ** ( UNFAIR CREDIT** ) REPORTING XXXX RECORDS MY BAD CREDIT. I call CONFLICT OF INTRESTS Income is derived from CREDITORS NOT CONSUMERS. ( Scores provided are Bias. ) Also XXXX Data Breach Website says MY PERSONAL INFORMATION WAS IMPACTED. The website requires hand movements my XXXX XXXX are unable to do. I am XXXX years old. Grew up pay phones I AM UNABLE TO ACCESS THIS SITE DUE TO MY XXXX. XX/XX/XXXX I had fraud on two credit cards I HAVE NEVER RESOLVED!! I AM OUT {$8000.00} ON XXXX NOW. MY CREDIT DESTROYED. XXXX Data Breach Website says IT MAY BE XXXX FOR ANY CLAIMS PAID & {$120.00} .... SERIOUSLY?? My Private DATA is now on Dark Web for MORE FRAUD.. What Laws Protect the XXXX Elderly Targets? THIS IS NOT EVEN CLOSE TO FAIR!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A