Date Received: 2020-06-01
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: USAA HAS NOT CORRECTED ERRORS FROM XX/XX/2019 STATEMENT. ** MERCHANTS JUST REFUNDED CREDITS XX/XX/2019 HOW COULD THEY POSSIBLY BE NEW PURCHASES XXXX??? See attatched XXXX XXXX XXXX XX/XX/2019 {$200.00} & {$280.00} REFUNDED NON DELIVERIES. See attatched XX/XX/2019 NEW PURCHASES {$200.00} & $ XXXX I DID NOT AUTHORIZE TO PURCHASE OR BUY BACK. USAA DOES NOT CORRECT BILLING ERRORS OF 2019.
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: 2020-05-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX UNFAIRLY IS REPORTING INACCURATE CREDIT INFORMATION PLACING CREDITORS ABOVE CONSUMERS. XXXX has a Financial Duty to VERIFY INFORMATION REPORTED IS ACCURATE. See attatched XXXX Dispute Results # XXXX XXXX USAA SAVINGS BANK XXXX XXXX WAS NOT OPENED BY ME. I REQUESTED DRIVERS LICENSE AND SIGNATURE TO OPEN THIS ACCOUNT BE VERIFIED BY XXXX THEY DENIED. ( Kindly Note REINVESTIGATION OPTIONS ARE TO CONTACT THE PROVIDER OF THE IN CORRECT REPORTING. THIS COULD NEVER BE A FAIR FIX FOR CONSUMERS. ) I demand XXXX **** VERIFY THIS ACCOUNT WITH DRIVER 'S LICENSE AND SIGNATURE TO OPEN IN MY NAME XXXX OF XX/XX/XXXXOR DELETE IMMEADIATELY ***** Verify Address ID # ALSO PLEASE XXXX as my Address. Please Provide XXXX ACCESS TO DISPUTE DIRECTLY WITH XXXX LINK.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-28
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I recently applied for credit and i noticed that this credit card reported a late payment in XX/XX/XXXX. As a 30 day late pay. And in XXXX XXXXas a 30 day late. I do not agree with this at all. I do not recall ever paying late especially over 30 days late. I demand they immediately remove this erroneous late pay from my credit reports!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78222
Submitted Via: Web
Date Sent: 2020-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-28
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: ID THEFT FTC case XXXX & XXXX data breach. Unable to conect by phone on XX/XX/2020 I emailed XXXX REQUESTING XXXX ACCESS TO NO AVAIL. XX/XX/2020 XXXX emailed me my dispute was completed to go on line for results. My complaint is that XXXX is NOT ACCESSIBLE TO ME WITH MY SEVERE XXXX XXXX. My XXXX can not press the exact right spot to NOT BE A ROBOT. SO CALL ME A ROBOT! I am unable to set up password also. NO XXXX SCREENREADER OR VERBAL SPEAK PROMPS WHEN OUTSIDE APP NO SET UP ACCESS. Password requires a special sign, upper case, lower case, number MY HANDS CAN NOT DO THIS PHYSICALLY. ( XXXX IS NOT ADA ACCESSIBLE. ) I am a victim FTC case XXXXof Ideninty Theft XXXX XXXX year old Targeted Consumer with NO ACCESS AND I AM DENIED WHAT THE REST OF THE WORLD IS PROVIDED DUE TO MY XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-28
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 XX/XX/XXXX USAA STATEMENT note : all XXXX XXXX total {$470.00}. See attatched XX/XX/XXXX USAA STATEMENT XX/XX/XXXX {$8.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX total {$470.00} ARE *DUPLICATE TRANSACTIONS ON ACCOUNT ( 2 ) TWO TIMES. ONCE *XX/XX/XXXX AND ONCE XXXX XXXX TOTAL {$470.00} See attatched USAA REVIEW OF YOUR CLAIM COMPLETE XX/XX/XXXX THE REVIEW OF DUPLICATE TRANSACTIONS CONFIRMS * NO FRAUDULENT ACTIVITY FOUND AFTER REVIEW OF YOUR CLAIM. USAA posted Fraud Credits XX/XX/XXXX {$460.00} AND REVERSED THESE OLD FRAUD CREDITS XX/XX/XXXX & ALSO ON XX/XX/XXXX. LAW REQUIRES DUPLICATE TRANSACTIONS XX/XX/XXXX {$470.00} BE PAID AND INTREST. LAW REQUIRES WRITTEN FRAUD NOTIFICATION USAA DOES NOT PROVIDE.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: USAA COLLECTS & has destroyed my Credit. See attatched. CREDIT CARD FRAUD CLAIM {$470.00}. 1 ) USAA HAS NOT PROVIDED PERMANET CREDITS {$470.00} ( 2 ) TWO YEARS LATE. ** Kindly Note Complaint is ALSO 2 ) USAA JUST PROVIDED FRAUD CREDITS FOR XX/XX/XXXX {$460.00} ON XX/XX/XXXX. TWO YEARS??? ** AFTER DESTROYING MY CREDIT.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XXXX XXXX WILL CLAIM THIS IS DUPLICATE LIKE THEY DO WITH ALL COMPLAINTS SO I WILL NOT INCLUDE THEM. When things open back up I will follow up. See attatched FTC IDTHEFT case XXXX CONFIRMING NO ACCESS USAA & XXXX XXXX TO NO AVAIL. ** I followed all Government Guidelines for FRAUD ON ACCOUNTS TO NO AVAIL. NEITHER BANK FOLLOWED STATUTES for FTC ID THEF. Banks do NOT!! Banks do NOT PROVIDE ACCESS to my XXXX XXXX & XXXX XXXX XXXX. What are the WEB ADA GUIDELINES? ( What Watchdog Agency oversees ADA Access to Financial Services On Line?? ) WHAT ARE ADA ON LINE LAWS TO PROTECT? TODAY 'S World IS ALL ON LINE. XXXX PEOPLE MATTER!! ( ** USAA & XXXX HAVE A FINANCIAL RESPONISBILITY TO PROVIDE ACCESS. ) I Request USAA & XXXX SEND SPECIFIC ( everything needed to hook up ) INSTRUCTIONS FOR ACCESS. ie What tech EQUIPMENT is required? What ADA tools Available for Access XXXX XXXX XXXX? Please send to my home address on file. WITH BRICK & MORTOR STORES GONE IN NEW AMERICA XXXX NEED NEW ADA LAWS ACCESS ON LINE GUIDELINES FOR ACCESS TO ALL FINANCIAL SERVICES. Able Bodied Work from Home Citizens Now Scream for Access XXXX HAVE BEEN DENIED.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have an account with USAA and they have decided to end my banking relationship with them because of another non-bank related product issue. They were to close my account within 30 days of XX/XX/2020. As of today, XX/XX/2020 and being physically here at the branch in XXXX XXXX to withdraw my funds I am being told I still have to wait. My bills and other obligations have now gone seriously delinquent and may cause me to get evicted and Utlilities terminates because I can not access my funds.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76112
Submitted Via: Web
Date Sent: 2020-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: In early XXXX late XX/XX/2019 I had closed my secured credit account with the help of an USAA teammember. This was during the California fires and the secured card which was connected to a CD that was already done. She said lets close this and see if you have any refund that can help you get your funds back from your deposits. She said that it was nothing extra so she just closed the account and offered other services. I didnt owe them anything because it was always based on my deposit amount.
Company Response: Company believes complaint is the result of an isolated error
State: CA
Zip: 91361
Submitted Via: Web
Date Sent: 2020-05-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-27
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: On XX/XX/XXXX I went to XXXX to apply to refinance an auto loan from another bank. I have been a USAA member for 16 years. I currently have a mortgage, an unsecured {$35000.00} line of credit and other product with them. I also have a FICO score well over 800 with no reported history of late payment. Upon application I could not proceed as the loan was over {$50000.00}. USAA has provided loans to others in excess of {$50000.00}. I spoke to XXXX XXXX in Executive Resolutions who explained this is now the consumer loan limit. He further suggested I pay the difference in the refi to make it less than XXXX. This request was not the result of a credit check nor an appraisal of the XXXX of the vehicle. My understanding is a lender or dealer may not use any of the above grounds as a reason to : Refuse you an auto loan if you qualify for it Discourage you from applying for an auto loan Provide you an auto loan on terms that are different from the terms given to someone else who is similarly situated to you, such as having similar creditworthiness If you are denied an auto loan, you should receive information about why you were denied. This is called an " adverse action notice. '' This notice includes a statement of the specific reasons for the denial or a notice that you may request a statement of specific reasons within 60 days. USAA refused to even process my application USAA discouraged me from applying USAA refused to provide terms given to a similar situated person USAA refused a loan I am more than qualified for. Other institutions have committed to funding the same loan USAA would not provide a reason for denial nor adverse action notice based on policy. XXXX XXXX XXXX XXXX in XXXX stated to OTS and OCC Agencies should avoid a " one size fits-all '' approach that puts borrows in one bucket. Using and properly enforcing the OTS or OCC standards allows for flexibilily based on the lender 's prudent assessment of the borrower 's creditworthiness. Applying similar standard for QRM would allow for the ability in working with creditworthy borrowers first time homebuyers, small business owners, homeowners forced to sell quickly as a result of relocation-as well As for auto Loans. Application of QAL crilaia for purposes of exemption from the proposed risk retention requirements should be on a weighted average basis at the securitization pool level, not at the : individual loan level. Due to the relatively low average balances, short terms of auto loans, and the solid historical performance of auto loan securitization structures, the risks individual auto loans present to investors simply do not justify the proposed QAL requirements. In sum, the availability of the QRM and QAL exemption should be broader and more flexible thin the proposed definitions. XXXX XXXX, USAA Federal Savings Bank General Counsel, XXXX XXXX XXXX XXXX Vice President General Counsel This further shows by the banks own opinion ( Agencies ) should avoid a " one size fits-all '' approach that puts borrows in one bucket. And arbitrary limits or rules are unfavorable. Their policy and refusal to accept an application are contrary to their own opinions. Their behavior appears to be discriminatory and in contradiction to the Equal Credit Opportunity Act.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A