Date Received: 2020-06-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: XXXX IS NOT ACCESSIBLE FOR MY XXXX XXXX. I am a XXXX yr old Target by Profile XXXX Vicitim of Ideninity Theft case XXXX. FINANCIAL INSTITUTIONS ARE ESSENTIAL. See attatched XX/XX/XXXX XXXX CINFIRMATION XXXX. ADA COMPLIANCE Accessible Design, states ALL electronic & technology ( websites ) MUST be accessible to people with disabilities. VCAG 2.1 ADA COMPLIANCE. XXXX PROVIDES NO ACCESS. ALSO I AM VICTIM TO XXXX BREACH XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-03
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: XXXX Member 37 years AUTHENTICATION COMPLAINT XXXX usaa began DENYING MY PHONE ACCESS CLAIMING THEY COULD NOT AUTHENTICATE ME & ON LINE NO ACCESS * DEMANDING I RECOVER MY PROFILE with Drs License Claiming it is a Federal Legal Requirement. I have Refused & usaa resets is able to AUTHORIZE ME 3 Xs now ** WITHOUT DRs LICENSE.?? USAA BLOCKS ACCOUNTS ACCESS WITH FRAUD PURPOSEFULLY. VERY UNFAIR LENDING!!! There was NO LEGAL REASON USAA NEEDED DRs LICENSE. USAA was Informed TO USE THE DRs LICENSE USED IN OPENING THIS ACCOUNT ** SUDDENLY I WAS ABLE TO BE AUTHORIZED ONCE AGAIN TODAY. I asked Kindly Note XX/XX/XXXX Letter USAA REVIEW OF FRAUD CLAIM Confirmed NO Fraudulent Activity on this Account ** WHY ARE THERE THOUSANDS OF DOLLARS IN REVERSED CREDITS.??? XXXX - XXXX IF NO FRAUD OCCURRED??? USAA REVERSES ALL MERCHANTS CREDITS FTC MADE MERCHANTS PAY XXXX - XXXX. USAA REP XXXX COULD Not Explain??? I requested the Drs License used to open this account & written signature. ( legal requirement to open account ) be mailed to my home address.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was under a credit counseling program as of around XX/XX/2019, but around XX/XX/2019 I decided to quit the credit counseling program. I thought that the credit counseling program coordinator contacted all creditors to inform them of this so that it would not appear on my credit report anymore. However, after checking my credit report recently, I see that USAA federal savings bank has a remark on my credit reports stating that I am still managed by a credit counseling/debt management program when I am not. and I have proof. I sent them proof, called them and they still refuse to remove the remark and take me out of the program on their end. This company is hard to deal with. Ive heard some bad things about this company and I want nothing more to do with them.
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2020-06-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: USAA CONFIRMS NO FRAUDULENT ACTIVITY FOUND AFTER REVIEW OF YOUR CLAIM see attatched XX/XX/XXXX.?????? USAA DOES NOT PROVIDE FRAUD CREDITS BECAUSE *NO FRAUD OCCURRED. see attatched XX/XX/XXXX Transactions Security Adjustment. XXXXCREDIT REVERSALS BEGIN ON THIS ACCOUNT XXXX????? USAA REVERSES {$160.00} CREDITS. XX/XX/XXXX. How can usaa CONFIRM NO FRAUD ON ACCOUNT?? Then CLEARLY, REVERSED CREDITS ARE MERCHANTS NOT USAAs.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: USAA CONFIRMS NO FRAUD SO WHY WHY WHY ALL REVERSALS OF CREDIT NOT PROVIDED?? See attatched USAA CONFIRMATION XX/XX/XXXX No Fraudulent Activity Found After Review of Your Claim. WHY ALL THE REVERALS OF CREDIT ( Security Adjustments ( OF ) in one month XX/XX/XXXX see attatched CREDIT REVERSALS TOTAL {$1.00}, XXXX ** USAA REVERSES MERCHANTS CREDITS THAT ARE NOT USAAs. NO Fraudulent Activity PRODUCED NO PERMANET USAA CREDITS TO REVERSE {$1.00}, XXXX in XX/XX/XXXX. ( These were MERCHANTS CREDITS REVERSED NOT USAAs. )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-02
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 Corresponce Documentation of Fraud with the letters F R A U D on them ( XXXX - XXXX ) *TOTALS {$1.00}, XXXX THIS IS BASED ON USAA DOCUMENTATION OF FRAUD. NO USAA PERMANET CREDITS WERE PROVIDED. see attatched REVIEW OF YOUR CLAIM IS COMPLETE LETTER XX/XX/XXXX. No Fraudulent Activity Found After Review of Your Claim. USAA HOLDS CONSUMERS LIABLE FOR FRAUD. NO TIMELY FRAUD CREDITS EVER POSTED.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: See attatched CFPB USAA RESPONSE dated XX/XX/XXXX CONFIRMS NO CREDITS PROVIDED. Ms XXXX Confirms USAA HELD ME LIABLE FOR {$470.00} XX/XX/XXXX. One month later XX/XX/XXXX See attatched CREDIT CARD FRAUD CLAIM of XX/XX/XXXX COMPLETED INVESTIGATION CONFIRMS UNAUTHORIZED TRANSACTIONS. USAA HAS NOT PROVIDED THESE CREDITS. Kindly Note all the CFPB responses claiming CREDITS WERE PROVIDE BUT NEVER NEVER GIVE DICUMENTATION OF STATEMENT PERMANET CREDITS APPLIED BECAUSE THEY LIED TO CFPB Clearly usaa held me liable since XX/XX/XXXX for UNAUTHORIZED TRANSACTIONS. See attatched USAA review of these fraud charges *REVIEW OF YOUR CLAIM IS COMPLETE* XX/XX/XXXX ( No Fraudulent Activity Found ) After Review of Your Claim. USAA IS DISHONEST DOES NOT RESOLVE FRAUD. LEAVES CONSUMERS LIABLE FOR UNAUTHORIZED TRANSACTIONS. USAA HAS COLLECTED ON AND DESTROYED MY CREDIT FOR THESE UNAUTHORIZED TRANSACTIONS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: See attatched FTC ID Theft Report case XXXX **NO ACCESS TO REPORT OR RESOLVE FRAUD due to ( XXXX. ) CLEARLY, USAA gave me NO OPTIONS BUT TO PHONE. USAA ONLY PROVIDED PHONE ACCESS. see attatched CREDIT CARD FRAUD CLAIM DATE OF XX/XX/XXXX letter dated XX/XX/XXXX COMPLETION OF THIS FRAUD INVESTIGATION. USAA HAS NEVER PROVIDED THESE PERMANET CREDITS {$470.00}. THIS ACCOUNT IS DELIQUENT DUE TO ** NO FRAUD CREDITS PROVIDED. USAA POSTED {$460.00} Fraud Credits XX/XX/XXXX for XXXX FRAUD. USAA DESTROYED MY CREDIT WITHOUT RESOLVE OF FRAUD.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: In 2016 as a USAA customer me and my wife were defrauded. A XXXX fraud ring took us for over XXXX dollars USAA failed to protect our accounts and our information and would not work with us which left us no choice but to file for bankruptcy.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 63033
Submitted Via: Web
Date Sent: 2020-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-02
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: USAA Savings Bank has reported me as deceased, I am not DEAD Fix my credit report
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85338
Submitted Via: Web
Date Sent: 2020-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A