Date Received: 2020-06-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This complaint involves USAA accounts : XXXX ; XXXX ; XXXX ; and XXXX. These accounts are found on XXXX Credit Report XXXX. I am disputing the accuracy and legitimacy of these account charges. When they initially surfaced, I contacted USAA and advised them that both me and my wife were identity theft victims and that we had not made these charges. Subsequently, I provided USAA all local Police Reports, Federal Identity Theft Task Force reports of the identity theft and fraudulent acquisition of the cards. I provided USAA the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my wife had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, USAA refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I met with similar results with our XXXX XXXX XXXX XXXX Acct XXXX. XXXX XXXX XXXX XXXX has repeatedly stated they are under no obligation to conduct any subsequent investigation. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. USAA, XXXX XXXX XXXX XXXX and XXXX have failed to do either. I demand to be provided the results and a copy of the actual investigation conducted on each of these matters, contemporaneous to the event and report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37075
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This complaint involves USAA accounts : XXXX ; XXXX ; XXXX ; and XXXX. These accounts are found on XXXX XXXX Credit Report XXXX. I am disputing the accuracy and legitimacy of these accounts and charges. When they initially surfaced, I contacted USAA and advised them that I had never opened these accounts and I had never used or possessed these cards. subsequently, I provided USAA all local Police Reports, Federal Identity Theft Task Force reports of the identity theft and fraudulent acquisition of the cards. I provided USAA the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my husband that we had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, USAA refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. USAA and XXXX XXXX have failed to do either.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37075
Submitted Via: Web
Date Sent: 2020-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-01
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: I got an email from my XXXX college email address from a XXXX XXXX XXXX He was looking for anyone willing to work as his XXXX on a part time basis. I applied for the job position. He said he was a professor at the XXXX XXXX XXXX, part of my job responsibilities would be running errands, making payment, booking appointments e.t.c On XX/XX/XXXX he sent two checks to my email. {$3500.00} and {$3800.00}. He said i would make deposits on his behalf to some orphanage. He asked me to transfer {$2000.00} to XXXX XXXX using XXXX, i said no and that i only make transactions through my bank. I eventually sent {$1000.00} using XXXX through USAA. Then he started presuring me to send the rest of the money, i saw that as ared i called my bank and spoke to an agent to alert them that its fraud and to dispute the {$1000.00} transaction through XXXX. I filled a police report online with the XXXX XXXX police department. Right now my bank is charging m the {$1000.00}. as a returned check, and also a returned check fee. USAA said theres nothing they can do about it. I contacted XXXX, and was told the transcation has posted and there's nothing they can do about it. Am having to pay {$1000.00} that i do not have, am having to bear the brunt even after alerting my bank immediately within 10 minutes to cancel the transaction. Am surprised USAA will authorize XXXX on their banking website knowing fully well that XXXX has no customer or fraud protection. All am asking is my loss or claim of {$1000.00} that was charged to my account and the returned check fee be refunded. Am a victim of fraud and a banking system that has no fraud protection for its customers
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76904
Submitted Via: Web
Date Sent: 2020-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/XXXX. 2019 I phoned usaa. CONFIRMING I WILL NOT BE PAYING ON THIS ID THEFT ANY MORE I REQUESTED REMOVAL XXXX XXXX PAY INFO. from usaa rep XXXX. I DID NOT AUTHORIZE THIS PAYMENT. see attatched XXXX XXXX WITHDRAWL. USAA POSTED A PAYMENT TO COLLECT THIS DEBT. THIS IIS D THEFT ACCOUNT see attatched ID THEFT case XXXX ** I DID NOT AUTHORIZE PAYMENT This STOLE ALL MY SOCIAL SECURITY funds for 15 days & left me with OD fees @ XXXX XXXX. Social Securty SECTION 207 DOES NOT ALLOW DEBT COLLECTION & ID THEFT DOES NOT ALLOW COLLECTION. USAA DOES NOT ABIDE BY OUR LAWS. I could not pay my rent buy food XXXX. with my own funds. I brorrowed from my son to survive. SAD.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-01
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I used rewards points and credit card to buy 4 tickets to XXXX. Since Covid, the flight was subsequently canceled. USAA is claiming that they can not refund the tickets. They are using a third party vendor XXXX that is unresponsive. I have attempted on multiple days to reach out to the vendor to no avail. USAA is unable or unwilling to investigate the issue on my behalf. I just keep getting rerouted to same phone number run by XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75248
Submitted Via: Web
Date Sent: 2020-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-01
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 XXXX Report USAA Account XXXX reported by usaa as Certifed Accurrate XX/XX/XXXX. ERRORS : 1 ) THIS IS NOT MY ACCOUNT See statement MC end XXXX XX/XX/XXXX. 2 ) Clearly as reported THIS DID NOT CLOSE XX/XX/XXXX and has a different account # 3 ) See USAA Account XXXX Opened XX/XX/XXXX THIS WAS OPENED FRAUDULENTLY REPORTED AS ID THEFT case XXXX in XXXX & CLOSED XX/XX/XXXX *THIS IS NOT MY ACCOUNT. I DEMAND XXXX DELETE THESE ACCOUNTS OR PROVIDE DRS LICENSE AND ORIGINAL WRITTEN SIGNATURE TO VERIFY.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a letter from an office for collection addressed as XXXX XXXX XXXX XXXX. The letter was dated as XXXX XX/XX/2020. I sent a letter to the office of collection disputing the validity of the debt on or about XXXX XX/XX/2020. On or about XXXX XX/XX/2020, I received another letter from a different office for collection addressed as XXXX for the same debt that was addressed in the collection letter from XXXX XXXX. The second letter was dated as XXXX XX/XX/2020.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31904
Submitted Via: Web
Date Sent: 2020-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-01
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: USAA BLOCKS CONSUMERS REPORTING FRAUD FOR UNFAIR FINANCIAL GAIN by " CREATING *new accounts " AND " LEAVING *not resolving fraud " CONSUMERS ARE LIABLE FOR FRAUD. My Complaint is Against USAA ID THEFT POLICY. I reported Ideninity Theft see attatched CLAIM DATE XX/XX/XXXX {$470.00} CREDIT CARD FRAUD CLAIM letter dated XX/XX/XXXX INVESTIGATION COMPLETED PROVISIONAL CREDITS MADE PERMANET. Statues Require Fraud Resolved in 2 billing periods is Ignored. USAA HAS NOT PROVIDED PERMANET CREDITS FOR THIS FRAUD YET. I COMPLAINED XX/XX/XXXX NO CREDITS PROVIDED YET. I was sent to the ID THEFT DEPT spoke to XXXX who claimed he made a report. Suddenly, * After our Convesation USAA REFUSED TO AUTHENTICATE ME NO ACCESS TO ANY DEPT REQUIRING I REBUILD MY PROFILE BY SENDING A DRS LICENSE. ** Kindly Note I DISCOVERED I DID NOT OPEN THIS ACCOUNT. I DID NOT SEND IN MY LICENSE. USAA EVENTUALLY GAVE ACCESS AGAIN. see attatched 1099-C CANCELLATION OF DEBT IRS MC XXXX Kindly Note CLEARLY STATES BOX 5 Borrower " WAS " Personally Liable XX/XX/XXXX. USAA DID NOT CLOSE THIS ACCOUNT REPORTED IT DELIQUENT AND SOLD IT. ** THIS OPENED NEW ACCOUNT MC end XXXX FRAUDULENTLY & Visa XXXX XXXX FRAUDULENTLY. XX/XX/XXXX I am able to be Authenticated again AFTER USAA ID THEFT BLOCK WAS PREVIOULY IN EFFECT and I call in to ID THEFT TO REPORT MC end XXXX Explaining to XXXX Usaa Rep all the above I DID NOT OPEN THIS ACCOUNT and I am told to call back to another deptment. I CALL XXXX WALL!!! I call back and I AM UNABLE TO BE AUTHENTICATED ONCE AGAIN REQUIRING ** I SEND MY DRS. LICENCE ON AN ACCOUNT " I did NOT OPEN " Some old fraud was just paid by usaa XX/XX/XXXX {$460.00} AFTER THIS ID THEFT ACCOUNT IS DELIQUENT as the XXXX Account. USAA BLOCKS CONSUMERS RESOLVE OF THEFT AND CREATES MORE THEFT OPENING FRAUDULENT ACCOUNTS See attatched ID THEFT case XXXX USAA COLLECTS ON THIS BLOCKED ID THEFT ACCOUNT ILLEGALLY. IT WAS ILLEGALLY OPENED USING MY PRIVATE SECURE DATA OF ACCOUNT CLOSED CANCELLATION DEBT MC end XXXX XX/XX/XXXX. They need Drs License??? They know I DID NOT OPEN.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-01
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: USAA has a predatory policy of requiring accountholders to wait 24 hours after any transaction has posted to the checking account prior to closing the account. This policy generates fee income for the bank, harms consumers, and is not consistent with the policy of other large financial institutions. I can walk into any competitor 's banking center, bring the account to a {$0.00} balance, and close the account on demand. I have repeatedly contacted USAA to close my account since XX/XX/XXXX. I was told initially that the account could not be closed on XX/XX/XXXX because there is a 5 day required waiting period after any direct deposit posts to the account. Two NSF fees hit the account on XX/XX/XXXX and I transferred funds to bring the account to a XXXX balance. Stop payments were supposed to have been placed so that any retry would be denied. I requested to close account on XX/XX/XXXX and again on XX/XX/XXXX, both days the account had a XXXX balance. The representative again refused to close the account since " it has not been 24 hours since your deposit to bring the account to a XXXX balance has been made. '' I have spent hours on the phone with USAA customer service and spoke to a supervisor, XXXX, on XX/XX/XXXX. I expressed concern with the policy that harms consumers and continues to generate fees for the bank, and XXXX stated " there is not even a button that allows me to close the account. '' I offered to drive from XXXX to XXXX XXXX to close the account in person. Again, I was told you can't close the account in person either. XXXX said he could see a returned item coming through the account and would wait until the next morning to refund the NSF fee and call me by XXXX XXXX on XX/XX/XXXX to confirm that he had completed the transaction. He did not follow through, and I called again to speak to a manager on XX/XX/XXXX. I was promised that a " supervisor '' would call me back. No one has called. USAA has failed to act in good faith, and hides behind the veil of the call center - not allowing customers to contact managers/bank officers with any meaningful authority. USAA even sent their own payments back through the account a second time for an insurance policy that had been paid in full ( valuable personal property ). Stop payments are not honored and more fees are assessed. This type of behavior led to a class action settlement in XXXX. I have been a customer for 12 years with no problems and have a credit score of XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77301
Submitted Via: Web
Date Sent: 2020-06-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-01
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: ERRORS OR UNTRUTHFUL TRUTH IN LENDING DECEPTIVE STATEMENTS.??? See attatched XX/XX/2019 *Adjustment Purchases Listed above the * TOTAL PAYMENTS & CREDITS FOR THIS PERIOD LINE IN BOLD ( only {$910.00} ) ** THEY NOT INCLUDED IN THE TOTAL. They are LISTED ONLY DECEPTIVELY INTERNALLY AND HIDDEN FROM CONSUMERS. ( ** They are Deceptive " Appearing Above " the Total Line and YET, " NOT INCLUDED " IN THE TOTAL LINE. These Adjustment Purchases Total {$1.00}, XXXX AND ONLY {$910.00} TRUTHFULLY APPLIED FOR THIS PERIOD XX/XX/2019. IT APPEARS AS IF ALL ADJUSTMENT PURCHASES WERE APPLIED CLEARLY THEY WERE NOT.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A