Date Received: 2020-04-20
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Hello, When using my USAA card to pay my dentist, the charge was declined. I have since learned that USAA reduced my available credit limit, after calling the customer service representative to find out what was happening ... I was told that there was " no reason '' and that this action " did not make any sense '' as my more than 30 years as a loyal customer with USAA and perfect credit, stable employment, etc etc made the whole matter inexplicable. Additionally I was told that there was no remedy and no resolution. XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 949XX
Submitted Via: Web
Date Sent: 2020-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-20
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: We had a vehicle totaled with USAA. The USAA insurance finally paid the USAA auto loan to pay off the loan. It is currently showing as a XXXX balance. The agreement has been signed and was originally sent over 3 weeks ago. I contact USAA to get the over payment back. They took an auto payment they should not have and are now saying it will take over 2 weeks to process the refund of the payment. This is unacceptable. They continually advertise their fast and actuate claims payouts. I have not seen this at all. Now these incompetent people are refusing to issue a refund in a timely manner. The payment has posted to the account so they obviously have the funds.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23456
Submitted Via: Web
Date Sent: 2020-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2020 I attempted two withdrawals from XXXX bank in XXXX XXXX Washington. Neither attempt was successful. I immediately called my bank and disputed the charges. One dispute was resolved, the other was not. The charge in question was for {$400.00}. Basically a {$400.00} withdrawal and a {$3.00} ATM fee. After the dispute was denied I called again and escalated it. It was denied again. I then called a few more times to get the evidence they used to deny my claim and they have not provided me with it. It is my right to see the evidence they used to deny the claim and it seems like they are refusing to give it to me. I have filed a police report and am still attempting to resolve this with my bank ( USAA ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98367
Submitted Via: Web
Date Sent: 2020-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-19
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: See attatched ( Master Card XXXX ) XXXX ** DEBT DISCHARGED ( debtor not liable for debt ) Note phone number for info on this XXXX USAA recording states " Anyone trying to collect this debt is against the law '' see attatched FRAUD CLAIM VISA END XXXX DATE OF XX/XX/XXXX {$470.00} confirming Temporary Credits Made Permanet. Kindly Note date of XXXX XXXX XX/XX/XXXX. IT TOOK A YEAR TO COMPLETE THIS INVESTIGATION. NO TEMPORARY CREDITS POSTED TO MAKE PERMANET. When I tried ti Resolve Fraud on XXXX XXXX end XXXX USAA BLOCKED ME SENDING ME TO COLLECTIONS ON THE MASTER CARD ACCOUNT THE DEBT WAS DISCHARGED CLAIMING I WAS LIABLE WANTING TO COLLECT. see ID THEFT XXXX ON XXXX card XXXX. Needless to say I was never able to resolve fraud XXXX XXXX end XXXX Reps XXXX, XXXX, ALL Confirm this card end XXXX IS DELIQUENT. HOW DID AN OLD DELIQUENT ACCOUNT OPEN A NEW ACCOUNT WITHOUT MY AUTHORIZATION? see NEW MASTER CARD END ( XXXX XXXX statement due {$100.00} ALSO DELIQUENT. see XX/XX/XXXX Confirmation XXXX XXXX end XXXX. This account was REPRESENTED AS DELIQUENT DESTROYING MY CREDIT ** FURTHERMORE WAS SOLD TO ANOTHER COMPANY TO COLLECT ** AND OPENED A NEW ACCOUNT WITHOUT MY AUTHORIZATION ( Master Card end XXXX XXXX CONFIRMING AND REPORTING THIS ACCOUNT DELIQUENT ALSO ** FURTHERMORE CREATES ANOTHER NEW ACCOUNT ( XXXX XXXX XXXXXXXX ) WITHOUT MY AUTHORIZATION. USAA DENIED MY FRAUD REPORT XX/XX/XXXX. USAA HAS HELD ME LIABLE FOR ALL THIS FRAUD OVER 10 YEARS DESTROYING MY CREDIT.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and these accounts by law must be removed from my credit profile.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34221
Submitted Via: Web
Date Sent: 2020-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/XXXX see attatched Reported by USAA account XXXX XXXX ) WAS account ( XXXX ) ** SOLD TRANSFER/SOLD see attatched XXXX USAA XXXX OF DEBT ** DEBT DISCHARGED {$XXXX}, XXXX XX/XX/XXXX USAA XXXX TO XXXX FOR FINANCIAL GAIN THEN SELLS ACCOUNT?? I HAD TO PAY THE {$XXXX} IN TAXES. see number on form call more information XXXX XXXX XXXX it is a usaa number that says ANYONE COLLECTING ON THIS DEBT IS ILLEGAL.?? USAA CONFIRMS THIS ACCOUNT IS NOT OWED TO IRS IS DELIQUENT TO CREDIT XXXX & XXXX THIS DEBT CARDHOLDER NOT LIABLE? USAA HAS DESTROYED MY CREDIT. AND SOLD FRADULENT GOODS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-19
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 ID THEFT case XXXX XX/XX/XXXX USAA Rep XXXX CONFIRMS " YOU HAD NO FRAUD REPORT XX/XX/XXXX YOU HAD DISPUTES ** THEY WERE NOT IN YOUR FAVOR. see attatched CREDIT CARD FRAUD CLAIM LETTER dated XX/XX/XXXX CLAIM DATE XX/XX/XXXX {$470.00} CONFIRMS UNAUTHORIZED TRANSACTIONS DID OCCUR & TEMPORARY CREDITS MADE PERMANET. XXXX has finally explained WHY THERE ARE NO USAA CREDITS TO MAKE PERMANET. ( *** USAA DENIED MY RIGHT TO REPORT FRAUD XX/XX/XXXX. *** ) USAA HAS HELD ME LIABLE FOR FRAUD SINCE XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-18
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: XXXX : USAA Federal Savings Bank XXXX son and I share a checking account through USAA on XX/XX/2020, this account was hacked : fake mobile deposits ( around {$3000.00} total ) were made immediately followed by several money order purchases. The account had little money so these purchases were over-drafted through my savings account, emptying that XXXX about {$3000.00} XXXX. USAA was immediately notified and supposedly started an investigation. I was told the account was put into " credit only '' status. Meanwhile, the hackers hit again on XX/XX/2020. There were no more funds in either account, so it was treated as a negative balance in the checking account and there is still a negative balance today. On XX/XX/XXXX, I received an email from USAA notifying me the investigation had determined there was no fraudulent activity and closed the case. At this point, I am out {$3000.00}, there is still a negative balance on the checking account XXXX about {$500.00} XXXX and my repeated requests for documentation supporting USAA 's decision have been ignored. XXXX XXXX initial request was near the end on XXXX. )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29412
Submitted Via: Web
Date Sent: 2020-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-18
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Account from XXXX filed as bankruptcy on XX/XX/XXXX. Account paid in full XX/XX/XXXX never subject to chapter. Account legal paper work included and the auto title was received in XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 43068
Submitted Via: Web
Date Sent: 2020-04-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: See attatched USAA Mastercard statement ending XXXX closing date XX/XX/XXXX. I DID NOT APPLY FOR OR AUTHORIZE THIS ACCOUNT USAA OPENED. 1 ) ** PROVIDE. ORIGINAL WRITTEN DOCUMENTATION TO VERIFY THIS IS/WAS AUTHORIZED BY ME TO OPEN THIS ACCOUNT. THE DEBT FROM THIS ACCOUNT IS NOT MINE. See attatched XX/XX/XXXX Collection Letter of card ending XXXX THIS IS NOT NEVER HAS BEEN MY ACCOUNT. 2 ) ** PROVIDE ORIGINAL WRITTEN PROOF THIS IS/WAS MY ACCOUNT AUTHORIZED TO USAA TO OPEN IN MY NAME.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A