Date Received: 2020-06-08
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 am writing to complain about my continuous horrible customer service experience with USAA in retrieving funds that are due to me. On XX/XX/XXXX I ordered a XXXX Direct-Fit Catalytic Converter for my XXXX XXXX XXXX XXXX 2.4L per the specifications and direction from my mechanic. However, when the catalytic converter arrived on XX/XX/XXXX my mechanic opened and inspected the part, and discovered this part was not as stated. I purchased this part for {$170.00} as well as paid additional costs for labor to have this part installed but upon our surprise this part was not comparable for a XXXX XXXX XXXX XXXX 2.4L as stated and was unable to get my vehicle repaired that day.and I needed my vehicle repaired promptly. I attempted to reach out to the XXXX XXXX seller but he was uncooperative and was unable to reason with. As a result he insisted he would not entertain my request for a refund. As a single parent my only intention was to have a working vehicle to be able to get back and forth to work and to be able to support my family. I was still responsible for repairs however I was forced to find another part which cost me {$210.00} plus labor. I cant afford to pay for multiple parts and labor for items not compatible for my XXXX XXXX XXXX XXXX XXXX vehicle. On XX/XX/XXXX I contacted USAA to file a dispute for the charge of {$17000.00}. I shipped the part back to the seller and requested proof of delivery information and uploaded to USAA. I have been continuously going back and forth regarding the developments and have been accused of fraud by the seller however he has been able to not only have the part but also the {$170.00} that has not been credited back to me. I am exhausted and saddened by my continuous attempts to collect my money back. All I wanted was a working vehicle yet I have been face with financial hardship because I am feeling as if USAA has no intentions have assisting me. I noticed that I have had to upload this delivery documentation on more than one occasion because it has been mysteriously deleted. I am reaching out to you to assist me in attempting to get my {$170.00} that I purchased in good faith that this part would be as described for my XXXX XXXX XXXX XXXX 2.4L. This experience with USAA has put a bad taste in my mouth and I am considering ending my relationship with USAA and sharing my experience. I have never been through anything like I have been through with USAA. I went through another dispute situation with USAA earlier in the year and dispute my continuous documentation and communication, it finally was resolved. I was made to feel like the suspect instead of the victim. The representative that I spoke to most recently on Monday, XX/XX/2020 indicated that I would have to go through hoops to get this resolved in my favor. With everything going on with this Coronovirus epidemic this was a matter I thought was have been resolved in my favor despite several attempts by USAA to close. If I need my mechanic to submit a notarized letter in attempts to retrieve my {$170.00}, I will do so but be aware I will sever all ties with USAA as well as share with others. This experience is one of the most humiliating as well as horrendous occurrence ever. I hope that you would reconsider crediting my account the {$170.00} that I am due. Very disappointed as a USAA member
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2020-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XX/XX/XXXX I phoned usaa spoke to FRAUD DEPARTMENT rep. XXXX. ( No ACCESS ON LINE ADA NON COMPLIANT WEB on hold 23cmins to reach rep. ) to Discuss attatched XX/XX/XXXX usaa Letter CONFIRMING NO FRAUDULENT ACTIVITY FOUND AFTER REVIEW. My question after 45 min wait to pull up letter was WHY ARE USAA REVERESING MERCHANTS CREDITS?? He said they only do that IF MERCHANTS ALSO SENDS CREDIT. My response, Yes, And??? WHY REVERSE THE MERCHANTS CREDIT PAID to COVER FRAUD ** USAA CONFIRMS DID NOT EXSIST???? ... AND dial tone in my ear. USAA DOES NOT RESOLVE FRAUD.USAA HANGS UP ON CONSUMERS STEALING MERCHANTS CREDITS AS THEIR OWN. XX/XX/XXXX statement has {$2.00}, XXXX REVERSED CREDITS NEVER MADE PERMANET NEVER PROVIDED DENIED IT EVER HAPPENED.??? And I discover in all of this I DID NOT OPEN THE ACCOUNT MY CREDIT WAS DESTROYED WITH ** INACCURATE CREDIT REPORTING. XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: See XX/XX/XXXX USAA CREDIT CARD FRAUD CLAIM date XX/XX/XXXX INVESTIGATION COMPLETED ALL ** UNAUTHORIZED CONFIRMED A YEAR TOO LATE. NO Permanet Fraud Credits were provided by usaa. See also attached Mail Fraud Criminal Investigation Letter of USPS NON DELIVERIES US Postal Inspection Services XX/XX/XXXX. When no permanet credits were provided by usaa I requested a review. See attatched usaa statement of XX/XX/XXXX ADJUSTMENTS TO ACCOUNT ( NO DOCUMENTATION OR EXPLANANTION WHAT FRAUD TRANSACTIONS DATES THIS IS ADJUSTING. ) See attatched XX/XX/XXXX, XXXX REVIEW OF YOUR CLAIM IS COMPLETE. No Fraudulent Activity Found?? After Review of Your Claim.?? How could that be true? USAA LEAVES CONSUMERS WITH FRAUD UNRESOLVED. After reseaching transactions months later I discovered I DID NOT OPEN THIS ACCOUNT. USAA KNOWS THIS IS FRAUD AND HAS DESTROYED MY CREDIT.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-06
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: See prior recent complaint regarding my issues with USAA. Inconsistent and inaccurate credit reporting that is bringing my credit score down that is beyond the date of ( 7 year negative ) reporting. I disagree with the information the company provided in their last response as it is inconsistent and inaccurate. I was separated in XXXX ; later divorced in mid XXXX. These two accounts had been closed in XXXX. My ex later filed bankruptcy in XX/XX/XXXX, USAA then charged off the owed debts. USAA claims the delinquency began in XXXX XXXX which is incorrect. The debt had already been written off by then. Just recently, XXXX/XX/XX/XXXX - USAA began reporting late payments on my credit report bringing my score down 200 points. In addition, they added balances back onto the accounts ( that they charged off previously ), that increased my credit utilization ratio to over 51 %. This type of unethical reporting is hurting my credit score and my name. I'm now XXXX years old and XXXX. This company is causing me undue harm and stress ...
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33764
Submitted Via: Web
Date Sent: 2020-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-06
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 DO NOT UNDERSTAND?? I DID NOT REQUEST A BLOCK. I REQUESTED THE XXXX LICENSE AND WRITTEN SIGNATURE PROVIDED TO OPEN THIS ACCOUNT FROM THE CREDITOR USAA. XXXX has been notified this is Not my account previouly NEVER FIXING PROBLEM. I Requested Written Documentaion to CONFIRM & VERIFY MY IDENINITY AUTHORIZING OPENING. See attatched XX/XX/2020 XXXX Notice CONFIRMING JUST NOW BEGINNING AN INVESTIGATION. XXXX has done this at least 3 times on the CFPB WEB previouly. see all other complaints. I DID NOT OPEN THIS ACCOUNT.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have a USAA Visa card .On XX/XX/XXXX XXXX arrived at my house and to treat my house for for termites. They asked for a credit card and i advised them i would pay by check because we have a hacking epidemic in America .I gave them the check for {$720.00}. They treated the house in a very unsatisfactory fashion. Several days later i called another local termite company and they showed up with a 5 ton truck loaded with chemicals under pressure vs. XXXX hand held squirt can. I now new soemthing was definitely wrong. I paid the 2nd contractor {$600.00}. On XX/XX/XXXX i checked my credit card and found that XXXX had charged my credit card that i had never given them. I immediately called my credit card company USAA Visa and reported the fraud. If you google complints about XXXX you will find many complaints. One day later i was called by XXXX supervisor in XXXX and asked for an additional {$900.00} dollars. Yesterday i receivedfor $ XXXXI have emailed XXXX XXXX XXXX XXXX., phone # XXXX XXXX XXXX XXXX - XXXX. The articles on=btained on the google search will demonstrate this is how XXXX does business. In the last quarter of XXXX they were successfully sued for {$6.00} million dollars. I filed a complaint with USAA and received a letter back ( XX/XX/XXXX ) that i had not provided enough information. During the process of filling the complaint out i was very thorough. Their computer system booted it back at me saying my info was too lengthy. I then wrote a letter to XXXX XXXX CEO of USAA. He never replied. I received a call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( you must say '' extension to connect with her ) on behalf of the CEO. She was advised i never gave XXXX the credit card. She then called me back twice only for me to repeat " I never gave XXXX my credit card ''. She then advised i would be billed any way despite XXXX awful reputation i referred her to via XXXX. By then i had spoken to my banker and was advised that The Practice in Credit Act limited my liability to {$50.00}. I spoke with XXXX and she insisted i would ne billed. Not only did USAA bill me but charged interest 2 days ago. I never received a written explanation of their findings. Their first letter stated i had not provided enough information BUT THEIR WON SYSTEM DENIED THE EXTENSIVE REPORTING I HAD SUBMITTED. USAA system is responsible for denying me. In conclusion, i am trapped between 2 Goliaths. I want the {$480.00} charge by USAA removed ( Dispute # XXXX ) and XXXX should be investigated for fraud.Fraud in Florida is upon a person ageXXXX or greater is a 3rd degree FELONY. Should you want my phone number email and i will provide it. At age XXXX this has caused me a great deal of stress. XXXX XXXX XXXX XXXX XXXX XXXX, Florida
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32958
Submitted Via: Web
Date Sent: 2020-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: See attatched USAA COLLECTION LETTER OF XX/XX/2020 ACCOUNT XXXX. I DID NOT OPEN THIS ACCOUNT.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: See attatched USAA Collection Letter of XX/XX/XXXX Account ending XXXX. I DID NOT OPEN THIS ACCOUNT.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-05
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: See attatched VISA USAA statement ending XXXX THIS IS NOT MY ACCOUNT. A Visa card was sent to me ending XXXX 2018 I DID NOT AUTHORIZE. I DID NOT OPEN THIS ACCOUNT. XX/XX/2018 UNAUTHORIZED TRANSACTIONS OCCURRED.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-05
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: On or about XXXX XX/XX/2019, I received a phone call from an online casino company, called as XXXX which illegally processed my credit card with USAA ending with XXXX transactions through third parties located in China saying that there were chargeback initiated against those illegally processed transactions and asking me to pay them back for those chargebacks that those money laundering merchants for the online casino company accepted without disputing. I know the chargebacks were initiated by USAA as I reported those transactions as fraudulent charges. As there was no dispute against initiated chargebacks, I expected USAA to issue me a permanent credit for reported transactions. However, USAA instead reversed issued a temporary credit that it was issued for the fraud claim from XXXX XX/XX/2019. I contacted USAA on XXXX XX/XX/2019 to find out why USAA reversed the issued temporary credit, but USAA could not explain reasons. Since XXXX XX/XX/2019, USAA has not provided or explained reasons why they reversed the issued temporary credit of {$7000.00} at even my numerous requests. In fact, I submitted a complaint to USAA through the Federal Reserve as USAA keep ignoring my request for any documents or valid reasons for the reversed credit, and the Federal Reserve forwarded the complaint to the consumer financial protection bureau. I received a response from USAA for the complaint today which still doesn't provide what I am asking for. In fact, USAA copied their response from XXXX XX/XX/2019 against my initial complaint submitted on XXXX XX/XX/2019 through CFPB and pasted as their response with minor changes to my most recent complaint submitted. USAA failed to notify me officially when USAA initiated chargebacks, committed a fraud by holding accountable for the reported transactions after successful chargeback and failed to notify me officially the result of investigations or chargebacks.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31904
Submitted Via: Web
Date Sent: 2020-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A