Date Received: 2020-04-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: During COVID-19 pandemic crisis, a moratorium was supposed to be placed on reporting to credit reporting agencies. I had a crisis at home and had to check into a hotel, naturally I used my XXXX XXXX. They immediately reported the purchase to XXXX resulting in a one point credit reduction.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 79938
Submitted Via: Web
Date Sent: 2020-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-13
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 FRAUD CLAIM LETTER OF XX/XX/XXXX {$470.00} ALLEGEDING TEMPORARY CREDITS MADE PERMANET. ( they were Not ) see attatched XX/XX/XXXX statement ONLY CREDITS ARE FROM MERCHANTS. THERE ARE NO TEMPORARY CREDITS TO MAKE PERMANET.??? see attatched OTHER FRAUD REPORTS of transactions reported fraud other months of XXXX. XXXX, XXXX, XXXX, XXXX *Claiming I need do nothing and usaa will pursue this as fraud. I DID NOT GET A LETTER OR ANY NOTICE OF THE RESULTS ONCE INVESTIGATION begun. XX/XX/XXXX &, XX/XX/XXXX, XXXX, XXXX, XXXX WHEN DID THESE INVESTIGATIONS COMPLETE? WHEN WERE TEMPORARY CREDITS MADE PERMANET? Kindly Note THE XX/XX/XXXX {$470.00} CREDITS TOOK A YEAR TO MAKE PERMANET. KINDLY NOTE THE XX/XX/XXXX PERMANET CREDITS WERE NEVER PROVIDED XXXX. I HAVE BEEN HELD LIABLE FOR ID THEFT from XX/XX/XXXX - XX/XX/XXXX. See attatched ID THEFT case XXXX. USAA DESTROYED MY CREDIT WITHOUT FRAUD CREDITS PROVIDED. THIS 35 YEAR MEMBER CONSUMER IS 100 % LIABLE FOR FRAUD WITH USAA.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: In the summer of 2018 I received an email from USAA, my credit card company stating there had been a change completed to my account. Once I logged on, the company had reduced my credit limit from {$18000.00} to {$2500.00}. They said they ran a random check of my credit report and lowered based on the score. Now, this is not a brand new card. I've had and used this credit card my entire adult life ... Well over 30 years. I never have had my credit lowered by any company. In addition, I know I had taken a hit on my credit score so I wanted to improve my income to debt ratio. I paid off my entire balance with USAA in 2018. My balance was approximately {$14000.00}. Due to the company lowering my credit limit, it lowered my credit score drastically. Thus, as I have been actively working to improve my credit score, USAA continues to thwart my efforts by lowering my credit limit. It completely affected my income to debt ratio, which is why I paid off the debt completely. I could still be running a balance with USAA and they would not have touched my credit limit. I believe USAA is manipulating it's credit to it's members. I had USAA for my homeowners insurance and I dropped their coverage. Shortly after this, they lowered my credit limit. Since my credit limit was lowered by over {$15000.00}, I've had to work to try to improve my income to debt ratio. {$2500.00} was not much for me to use. I have newer cards where I was automatically given a {$5000.00} credit limit. Twice as much as USAA authorized for a 30 year member. It was improving my income to debt ratio. This weekend, USAA continues their deliberate attacks upon my credit again by lowering my credit limit to just {$500.00}. This time it is for non-use of the card. This is ridiculous. I've been with them for over 30 years. It's probably been close to a decade or longer where I had a late payment. I still have their auto insurance. My payments with my other accounts are on time. Actually, my payments to all of my accounts are listed as 99 % on time.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 439XX
Submitted Via: Web
Date Sent: 2020-04-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: See attatched XX/XX/XXXX FRAUD CLAIM LETTER. XX/XX/XXXX claim date. USAA TOOK A YEAR TO COMPLETE THIS INVESTIGATION. There are No temporary credits ( as this letter ALLEDGED were made permanet ) See attatch3d XX/XX/XXXX statement confirming merchants credits only {$120.00} & {$210.00} = {$340.00}. THERE ARE NO USAA CREDITS. see enclosed transactions of XX/XX/XXXX of the {$470.00} transactions reported fraud ** '' after the mechants credits were deducted. Balance of {$470.00}. Cardholder held Liable. See attatched XX/XX/XXXX transactions. All XX/XX/XXXX XXXX transactions are DUPLICATE CHARGES UNAUTHORIZED XX/XX/XXXX. They total {$470.00} PUT BACK ON A DIFFERENT CARD A SECOND TIME XX/XX/XXXX. See attatched ID THEFT case XXXX USAA WAS NOTIFIED XX/XX/XXXX of this IDTheft. USAA HAS NEVER PROVIDED PERMANET CREDITS FOR THIS FRAUD. USAA DESTROYED MY CREDIT COLLECTING ON THIS ID THEFT.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-12
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have a checking account in Usaa Federal Savings bank. Someone is attempting defraud me by submitting a W9 form which doesnt allow me to access my checking account information using the USAA mobile app. It stops me from seeing my checking account on the mobile act. The USAA isnt a law enforcement agency. It is blocking me from access to my account. I have contacted them and notified them they are denying my access. They wont provide me information. They should be held liable for their actions acting in a manor contrary to the law. I would like copies of who submitted such a request and what funds they are inquiring about. Someone is attempting fraud upon me. USAA is acting as an agent and should be held capable. They have recorded audio calls where I have verified my identity and they recognize me as XXXX XXXX XXXX. I have a right to due process yet they continue with this illegal and unlawful behavior!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: 40511
Submitted Via: Web
Date Sent: 2020-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-12
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have had four NSF fees of {$29.00} charged to my account. Two on XXXX, the third on XXXX and the fourth on XXXX. All of these fees were from my account going into overdraft ; however, poor money management and budgeting were not the reason why. All four of these fees were from my account going into overdraft because of other, outside companies, incorrectly charging me. My bank, USAA, will not return the fees and refuse to do anything about the situation even though their fees were often the cause of the overdraft etc.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: TX
Zip: 78006
Submitted Via: Web
Date Sent: 2020-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-12
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have 2 friends that created their own training company. I want to purchase their 1 year annual reoccurring membership. XXXX and USAA and the federal government have tagged my account to be unable to participate in lawful training. This is a violation of the first amendment for association. Violates my rights to educate myself and stay current in my profession. Im a currently serving honorable serving XXXX. This is a violation of my rights to due process! I havent been convicted of any crime. I want to receive damages for the violation of my rights! The Constitutional rights is being violated. I have other knowledge from XXXX XXXX from a similar training company.
Company Response: Company can't verify or dispute the facts in the complaint
State: KY
Zip: 40511
Submitted Via: Web
Date Sent: 2020-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-12
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 statement confirms {$120.00}. Adjustment Purchase Temporary Credit NOT MADE PERMANET to BEGIN INVESTIGATION. ON WHAT WAS REFUNDED BY MERCHANT XX/XX/XXXX ON XXXX. A NEW PURCHASE {$120.00}. ON XXXX. Kindly Note XX/XX/XXXX statement attatched XXXX XXXX REFUND {$120.00} XX/XX/XXXX Kindly Note USAA REVERSED MERCHANTS CREDIT {$120.00} XX/XX/XXXX see attatched XX/XX/XXXX statement. On XX/XX/XXXX USAA Adjustment Purchase {$210.00} Temporary NOT MADE PERMANET CREDIT TO BEGIN INVESTIGATION ON WHAT WAS. REFUNDED BY MERCHANT see attatched XX/XX/XXXX statement XXXX XX/XX/XXXX On XXXX USAA REVERSED MERCHANTS CREDITS OF {$210.00} see attatched XX/XX/XXXX statement Adjustment Purchases XXXX {$110.00} Temporary. Credit NOT MADE PERMANET ON WHAT WAS REFUNDED BY MERCHANT XX/XX/XXXX & On XX/XX/XXXX USAA POSTS A NEW PURCHASE {$110.00} see XX/XX/XXXX statement USAA REVERSES STEALS MERCHANTS CREDITS.!!!!! See attatched XXXX XX/XX/XXXX ADjustment Purchases ALREADY PAID BY MERCHANTS see XX/XX/XXXX Statement REFUNDED {$12.00} THIS IS REVERSED XX/XX/XXXX. & {$26.00} {$9.00} ALL THESE MERCHANTS REFUNDS OF XX/XX/XXXX ARE REVERSED STOLEN BY USAA ON XX/XX/XXXX, XXXX see XX/XX/XXXX Statement. USAA ARE CROOKS
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-12
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/2019 statement confirms on XX/XX/XXXX, XXXX posted a credit of {$200.00} & {$280.00} USAA posted Temporary Credits THERE CAN NOT BE 2 CREDITS FOR ONE PURCHASE!!!!!! ON XX/XX/XXXX AND XXXX ALREADY GAVE THE CREDIT. ( see XX/XX/XXXX Adjustment Purchases ) THESE ARE TO BEGIN A FRAUD INVESTIGATION** AFTER THE MERCHANT PAID**.??? These are NOT MADE PERMANET & on XX/XX/2019 USAA FRAUDS ME CREATING PERMANET NEW CHARGES {$200.00} & {$280.00} FOR WHAT WAS JUST PAID **REVERSING MERCHANTS CREDITS CLAIMING they are usaa 's. *** USAA STEALS MERCHANTS CREDITS LEAVING CONSUMER WITH THE FRAUD MERCHANTS COVERED. ***
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-11
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: In XXXX, I received a $ XXXX personal loan from USAA that offered a low interest loan to new military officers. I paid on time every month however got behind around XX/XX/XXXX however still made small payments ( less than monthly minimum of about {$450.00} XXXX. Without warning or negotiation, my loan was closed/charged off with an approximate balance of $ XXXX in XX/XX/XXXX. USAA stated that the loan account was 120 days past due however I had been making payments each month, even if it was not in the amount specified ( always over {$400.00} ). I called and was told by a rep, I could only adjust my payment one time for the life of the loan. Once I missed that one payment, the next months payment amount was upwards of {$800.00} and it continued to go up from there. I made an approximate {$400.00} payment toward that balance for that month. The following month, the balance amount was {$800.00} and I again made an approximate {$500.00} payment which would bring the next month payment to {$700.00}. USAA then sold my loan to an UNLICENSED collection company, XXXX, who has multiple lawsuits against them for fraudulently collecting money. They are not licensed to collect in Georgia, has an F with the XXXX XXXX XXXX and has had several complaints about them. Unbeknownst to me when I communicated with them, I made 2 payments of {$400.00}. None of which, ever went to my USAA balance. It was basically thrown down the drain. XXXX also continued to contact me AFTER a cease and desist letter ; harassing me continuously. After I sent a letter to XXXX, USAA then sold my information to a second company who is similarly fraudulent. USAA was negligent in selling my information to TWO companies that are not legitimized and illegally collecting money in a state they do not have a license to collect in. The other issue is, I had an XXXX card with a $ XXXX limit, {$500.00} balance as of XX/XX/XXXX, also with USAA ; including countless other accounts such as multiple checking, savings, auto insurance, and stocks. I have also paid the XXXX card on time, and was about to pay off in full as I was attempting to clean up my credit. XX/XX/XXXX, I discovered USAA had used the Service members Civil Relief Act ( SCRA ) to " credit '' the remaining ~ {$500.00} balance and close the XXXX credit card! I qualified for the SCRA when holding the card and that was never offered to me or explained. When speaking to multiple USAA reps on the phone, I was told, my XXXX credit card was closed because it was a " business decision '' based on my loan that had recently closed - even though I was never late on that credit card. The USAA representative told me there were forms sent to my account inbox stating the closure of each account. I never received any documents or assistance as a loyal customer. I have been a member for close over 10 years. Recently, ( XXXX ) this debt has resurfaced into affecting my military XXXX XXXX XXXX clearance. USAA has informed me the loan is no longer theirs and they have already claimed it as a loss. So the debt is now in limbo.and I am possibly facing repercussions in the military career and personal credit. I was consistently making payments toward the loan and was not informed nor clear that this would close my account or remove my XXXX XXXX credit card.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30078
Submitted Via: Web
Date Sent: 2020-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A