Date Received: 2020-06-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX ALERT XXXX XXXX ACCESSED MY ACCOUNT XX/XX/2018 See attatched XXXX BREACH NOTIFICATION. WEBSITE NOT ADA ACCESSIBLE TO REPORT. XXXX IS NOT WCAG 2.1 ADA COMPLIANT. I have XXXX XXXX XXXX. This site would not set proper dates. I was una ble to attatch documents or record data . IT REQUIRED ( hand movements ) no screenreader I have on my XXXX. AM I A ROBOT could not perform MY XXXX UNABLE TO PERFORM I AM ABLE TO SEND DOCUMENTS TO CFPB WEBSITE. I LOST {$8000.00} ON TWO CARDS *XXXX XXXX NO ACCESS *USAA NO XXXX. See attatched FTC ID THEFT case XXXX. NO ACCESS TO RESOLVE FRAUD WITH BANKS OR XXXX.CALLED ON PHONE ALSO TO NO AVAIL.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-12
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: On XX/XX/20 my water bill for {$65.00} was returned unpaid ( even though I had over {$160.00} in the account ) and i was charged {$25.00} from the water company bringing my bill to {$90.00}. After speaking to numerous usaa agents one told me it was an error, another said it was because I had a {$110.00} pending charge the next day, but if that were the case the water bill should have cleared first & there were several hundred dollars in deposits the next day. They continue to process even pending debit charges first to bounce the most ach charges because they can charge nsf fees on those. If you review the attachment I clearly had funds to cover the water bill. I would like a {$25.00} refund or a letter that it was an error and for them to follow bank laws regarding not reordering items to maximize fees.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2020-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We completed a refinance through USAA. The refinance processed a few days prior to when our auto pay on the old mortgage was set up to pay. Even though the original loan was paid off, our auto pay for around {$3000.00} went through in early XXXX. I called USAA around 10 times between XX/XX/XXXX and XX/XX/XXXX to inquire about when we would be refunded that money. I received different answers from different people but most said it would automatically go out 30 days after receipt. 30 days after the payment i called again and the check still had not been issued. No one knew why and the rep said they would take care of it. XX/XX/XXXX, still no check so I call back. Different person says check still hasn't gone out they don't know why, will talk to a manager and follow up with me. It is now XX/XX/XXXX, I call back after receiving no follow up and the manager 's inquiry has gone no where and no one knows what happened. The person I talked to this time says she thinks the refund will go out on Monday but she will have to call me back Monday to verify. No one at USAA has any idea what is going on and at this point they are holding my money XXXX. If I can not pay my bills or my mortgage because they have my {$3000.00} are they going to refund me? The scariest part is I caught the error. I am not sure they would have ever given me my money back ( they still might not ) unless I had caught it. I feel they have been dishonest and have kept my money XXXX while providing me no resolutions, updates or compensation for this hardship.
Company Response:
State: WA
Zip: 98012
Submitted Via: Web
Date Sent: 2020-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-12
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 Letter dated XX/XX/XXXX XXXX XXXX USAA Accounts 1 ) XXXX 2 ) XXXX We are currently processing and will NOT BE CONDUCTING FURTHER INVESTIGATION. See attatched 1099- C DEBT DISCHARGED 3 ) XXXX CANCELATION OF DEBT XX/XX/XXXX. I attatched documents previously Equifax DID NOT ADDRESS A THIRD ( 3 ) Account. I also attatched documentation USAA MASTERCARD STATEMENT 4 ) XXXX XX/XX/XXXX BAL {$100.00}. Equifax did NOT ADDRESS THIS ACCOUNT. I see four ( 4 ) USAA DIFFERENT ACCOUNT NUMBERS???
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: So, initially I had four credit cards with U.S.A.A in XXXX of 2019 I realized that with accruing debts needing to be paid would prevent me from paying. I talked with several representatives over phone, via U.S.A.A. chat. I attempted to set up automatic payment plans with the four credit card accounts around XXXX or XXXX, much to my chagrin after two months of believing auto-draft would take, I then became delinquent.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2020-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have tried to dispute 3 charges for a cruise which was canceled by XXXX XXXX per my deposit agreement.1st USAA claimed that VISA was prohibiting them from completing the dispute and that I needed to allow XXXX " reasonable '' time to process refunds.I allowed this time to pass. However, I did not receive my refund and requested USAA to reopen my original dispute. USAA is doing everything in their power to avoid assisting me with this matter! Asking me to wait for call backs which take over 24 hours and if you miss the call it takes another 24 hours .... I have submitted along list of documents to USAA to support my claim including a copy of my cruise contract, proof that it was canceled and copy of the documents that XXXX sent me confirming that I would get a refund in 45 days. At this point I feel as thought USAA is in direct volition of our deposit agreement as they they have only opened one of the 3 disputes for the smallest charge. continued refusal to assist with this matter will only continue finical harm.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30223
Submitted Via: Web
Date Sent: 2020-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX XX/XX/2020, I submitted a claim ( # XXXX ) with USAA Federal Savings Bank because there had been fraudulent activity on my account. I submitted the claim because money was transferred from my account via XXXX for a total of {$990.00}. The person who stolen the funds, I have no relation nor have I made any purchase of any kind. The person is named XXXX XXXX, phone number XXXX. To access XXXX for any transfer, I process the system through the USAA mobile app and I receive an notification to my personal email immediately following any transaction. Well, for this transaction I did not receive any notification or did not make the transaction. The individual is not listed in my recipient either. The individual hacked into my USAA and XXXX themselves {$990.00}. The individual had made this transaction on XX/XX/2020, again, I did not receive the notification to my personal email and I did not noticed until XX/XX/XXXX, XXXXOnce I became aware I notified USAA immediately letting them know that was not me, following all the procedures to update/change security information and to submit the claim. The representative told me the documents will be mailed to me at my mailing address when the investigation was complete. I have been quarantined since XX/XX/2020 and was teleworking due to XXXX. On XX/XX/XXXX, I just so happen to look into MyDocuments on the USAA app, and there was a letter that I was suppose to receive by mail stating there were no findings. This letter also informed me to call the bank if I had any further questions. I called the number a total of 5-6 times, each time a new representative submitting in a " request '' for someone from the fraud department to contact me as well sending documents on what was investigated. I even called XXXX with an USAA representative on the phone to see if they can see it on their end. I was told by XXXX that they couldn't see the transaction and it was done through my banking app, which is USAA, so they are held accountable. It is now XX/XX/2020, and I have yet to receive a phone call or those documents. I have been a member for 10 years ( since I joined the XXXX ) and never have I been treated and ignored in this manner.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78249
Submitted Via: Web
Date Sent: 2020-06-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-11
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: I have contacted XXXX and XXXX XXXX XXXX several times concerning my inquiries and they have refused to remove the fraudalent inquiries and accounts off of my credit report. This is causing me major financial damage. Also USAA Savings Bank is reporting a fraudalent auto loan in my name. XXXX XXXX XXXX XXXX is also doing the same thing. I have been a victim of identity theft and all of these companies have failed to correct the inaccurate information. XXXX is also reporting collection accounts for student loans. These companies need to be made liable for iaccurate reporting and are violating my federal rights under all of the FCRA 605, 623, AND 611. IF INFORMATION IS NOT CORRECTED MY ATTORNEY HAS NOTIFIED ME WE WILL GO TO FEDERAL COURT FOR SERIOUS COMPENSATION AS WELL AS MY FEES PAID FOR LEGAL SERVICES.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30338
Submitted Via: Web
Date Sent: 2020-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: See attatched USAA Confirmation Settlement Letter dated XX/XX/XXXX Re : USAA credit card ending XXXX SETTLED XX/XX/XXXX, XXXX see attactched USAA XX/XX/XXXX MC XXXX {$100.00} DUE. My private secure data from the XXXX OPENED THIS ACCOUNT XX/XX/XXXX. XXXX & XXXX RELY ON INACCURATE CREDIT REPORTING FROM THE CREDITOR USAA. *** I DID NOT OPEN ACCOUNT. **** CRAs REFUSE TO VERIFY THE DRS LICENSE & SIGNATURE. USED TO OPEN ACCOUNT.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-10
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I am at wits end with USAA, and as a 19 year member I have been treated unfairly. These people do not care about their members. Well the XXXX Americans members, I say that because from my experience and the neglect that Ive had to endure. There has been multiple situations where USAA could have come through to mitigate to lessen my damages but gave me the XXXX kiss and I strongly feel that if I were not XXXX-American I would not be going thru this XX/XX/XXXX, XXXX A traumatic injury on the job, my management falsified my records, to maliciously get my Workers Comp. denied. The denial costed me seven months with zero income. Finally got it approved XX/XX/2019 I did everything I could to communicate with USAA to work something out but not one person considered any thing and it was a straight up no and I was giving their XXXX to kiss. USAA would have lessened my damages to prevent service lapsing and out of all the calls out of all the emails, No one did anything and did not try to do anything gave me the XXXX to kiss. When the COVID-19 issue got to Georgia and my doctor gave me instructions and because of my chronic illness I am at high risk and if I contract the con virus I am at high risk for serious severe complications. I have given detailed emails I have spoken with people all way from the top to bottom These people still could careless and I get their XXXX kiss Still. My situation has nothing to do anything that Ive done but has everything to do with the process that I have to go through because others try to manipulate the system and misrepresent facts to unlawfully bring harm to me. USAA does not care about the members at least we are black XXXX-American. And I believe that due to my experiences. I could have been out of date long time ago into a better situation but if your bank that youve been with for 19 years and your father has been with this particular institution since he was XXXX years old cant give you anything something is wrong.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30345
Submitted Via: Web
Date Sent: 2020-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A