Date Received: 2020-04-09
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: See attatched XXXX Credit Report of USAA 1 ) CERTIFYS FALSE CREDIT INFORMATION. 2 ) USAA COLLECTS ON ID THEFT. 3 ) Kindly note THERE ARE NO USAA CREDITS MADE TIMELY XXXX XXXX see attatched XXXX Credit Report. USAA CERTIFYS THIS IS NOT ID THEFT. ( This is ftc ID Theft case XXXX dated XX/XX/XXXX THAT USAA IS VERY AWARE OF ) see attatched XX/XX/XXXX statement my data was used to place UNAUTHORIZED charges of {$470.00}. see attatched XX/XX/XXXX Fraud Claim date XX/XX/XXXX, XXXX see attatched statement XX/XX/XXXX transactions XXXX XX/XX/XXXX total {$470.00} UNAUTHORIZED. My data was used to place THE SAME DUPLICATE UNAUTHORIZED TRANSACTIONS OF XX/XX/XXXX {$470.00} see attatched XX/XX/XXXX statement. see attatched UNAUTHORIZED ACTIVITY REPORTED transactions XX/XX/XXXX - XX/XX/XXXX My data was used to place {$320.00}. UNAUTHORIZED TRANSACTIONS USAA COLLECTS ON ID THEFT REP ID XXXX, XXXX, XXXX. USAA CERTIFYS INACCURATE INFORMATION. I HAVE BEEN DENIED CREDIT DUE TO THIS. THIS IS ID THEFT.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-09
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On Sunday Night, my access to USAA was suddenly frozen, I was kindly ask to submit identification documents and I did. On monday in the day I was told everything was restored and I was able to access my accounts again. Not even 10 hours later - I am trying to buy groceries for my family, and my access is restricted again. I call and get an extremely rude agent who said I cant have my money for 60 days and that theyre closing my account ; and theres nobody I can speak to. Ive been a loyal USAA member, no overdraws never missed a credit card or insurance payment. Being a physician and working during this COVID-19 crisis I can not be working these long hours and dealing with banking issues at no fault of my own. I also need access to my money.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2020-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2020 I mailed 2 separate checks to USAA Savings Bank : a {$70.00} check for payment on one credit card and an {$80.00} check for payment on another credit card. These 2 checks total {$150.00}. The bank erroneously applied {$150.00} to one of the credit cards. The bank negligently did not apply the {$80.00} to the other credit card.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2020-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I reserved a trip with XXXX for a trip in XX/XX/2020. They took payments out of my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in the amount of {$780.00}. On XX/XX/XXXX I received a letter from XXXX stating all trips have been canceled and I must contact bank for refunds. Company stated they would not be able to issue any refunds. I contacted bank to dispute the 4 transactions after trying to reach company with no luck. No answers from phone call and no return phone calls. USAA said they cant refund me and I must contact the merchant. However the merchant cant be reached and I was informed to contact my bank. Please help.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 39532
Submitted Via: Web
Date Sent: 2020-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/XXXX see attatched statement of UNRESOLVED FRAUD. On XX/XX/XXXX {$200.00} & {$280.00} XXXX credited for past fraud. On XX/XX/XXXX {$200.00} & {$280.00} TRANSACTIONS BECAME NEW PURCHASES TO TOTAL {$2.00}, XXXX. Note Adjustment Purchases. When was USAA XXXX XXXX XXXX CREDITS XXXX {$200.00} {$280.00} made PERMANET? Why was I not Notified the RESULTS OF INVESTIGATION THAT RESULTED IN A TEMPORARY CREDIT ADJUSTMENT PURCHASE. ON XXXX AFTER ALREADY PAID BY MERCHANT? **** ( Why is USAA ALLOWED TO * TURN A TEMPORAY CREDIT INTO * PERMANET NEW PURCHASE * JUST AFTER MERCHANT CREDITS POSTED.?? ) *** USAA PROVIDE WRITTEN DOCUMENTATION OF THE OTHER CREDITS TOTAL {$2.00}, XXXX BEING MADE XXXXERMANET TO REVESE THE MERCHANTS CREDITS over {$1.00}, XXXX? These are. NOT NEW PURCHASES AS USAA SAYS XX/XX/XXXX TOTAL CREDITS for this period {$910.00}. Where are and what happened to the rest of the fraud credits? I recieved NO NOTICE. WHEN DID ALL TEMPORARY CREDITS ( Adjustment Purchases ) the ones with cute little minus sign THAT ARE ** NOT INCLUDED IN THE TOTAL CREDITS DISPLAYED UNDERNEATH ONLY {$910.00}. ON TOTALED LINE UNDER {$2.00}, XXXX OTHER CREDITS. WHEN DID THEY ALL BECOME PERMANET? THOSE THAT DID NOT WHY?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Recently last year I was XXXX from my job and was XXXX for seven months straight. I During this period i was XXXX for three months and had no money/income coming in to pay anything. I got behind on this credit card and they closed my account and charged off the debt.The amount that is now owed is {$16000.00} and that is due to the excessive interest they continued to charge me after i told them i could not afford to pay them because of my recent XXXX job.I was put in a hard place and i dont feel like they were trying to work with me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27616
Submitted Via: Web
Date Sent: 2020-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-07
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: XX/XX/2020 I spoke to USAA rep XXXX. REQUEST TO REMOVE XXXX XXXX XXXX PAYMENT INFORMATION. OFF MY PROFILE. AS I WILL * NOT BE PAYING ON THIS ID THEFT. USAA PROCESSED A PAYMENT FOR ID THEFT * STEALING MY SOCIAL SECURITY FOR NEXT THREE MONTHS * LEAVING ME WITH OVERDRAFT FEES XXXX XXXX. ( I DEMAND USAA PROVIDE WRITTEN DOCUMENTATION THIS PAYMENT WAS AUTHORIZED BY ME FROM MY IP ADDRESS. ) I DEMAND USAAs claim BE PROVEN. ** I DID NOT AUTHORIZE THIS PAYMENT. I HAD NO FOOD OR RENT MONEY
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-07
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I submitted a dispute on my debit card. XXXX XXXX due to a flight they cancelled at the last minute. They refused to refund my debit card. So I filed a dispute with USAA. I called the CS Rep who initiated a temporary credit. I received a Dispute Letter asking for documents. This is what I told USAA : I submitted 4 documents. One was the narrative and the other document proof of my ticket after payment. Flight information and all that. This information was submitted on XX/XX/2020 the same date received. I received a email back that the documents were received. Fast forward last night received a letter that my credit will be reversed that they could not read a document. USAA would not give the courtesy of informing me that they could not read a document. They waited two weeks until the time was up for me to resubmit to send this letter out. I called spoke to two reps and a executive person who stated their DISPUTE department do not take calls and there is nothing they can do to rectify. Due to the coronavirus and what is going on in our world to expect USAA to be there for their members is too much to ask. I have stopped all direct deposits and removed my money to XXXX XXXX. This back in absurd and they poor bank practices leave much to be desired. I would like for this complaint to be posted to your website. I can't totally close my accounts with them until my stimulus check hit. But rest assured I will not be doing business with this amoral company ever again. USAA conveniently states they can't read a document or they say they never received a document. They are liars and I know {$270.00} is not a lot of money. Karma is a XXXX and I plan on getting as many people I know to leave USAA.
Company Response:
State: VA
Zip: 221XX
Submitted Via: Web
Date Sent: 2020-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Emails USAA RESPONSE UPON REQUEST XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX from me ( XXXX ) XXXX TO NO AVAIL***. USAA ACCESSIBILITY IS A JOKE. USAA IS VERY CRUEL. 35 YEAR XXXX MEMBER ABUSED. USAA ACCESSIBILITY COORDINATOR OPERATIONS. Email above XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX RESPONSE FOR MY CRY FOR HELP TO REPORT FRAUD IFTC ID.THEFT case XXXX. IS : *** " Thank you for contacting usaa. This email is for individuals with XXXX '' PERIOD NO ASSISTANCE FOR THE XXXX. XXXX USAA DENIED MY RIGHT TO REPORT ID THEFT FRAUD MAIL FRAUD XX/XX/XXXX - XX/XX/XXXX *** Three other companies have denied me credit due to USAA. NOT RESOLVING FRAUD. see attatched XX/XX/XXXX USAA FRAUD LETTER FRAUD CLAIM DATE XX/XX/XXXX {$470.00} ** Took a year to complete investigation of fraud XX/XX/XXXX. Letter XX/XX/XXXX states UNAUTHORUZED TRANSACTIONS {$470.00} temporary credits are made permanet a year later. ** THERE ARE NO TEMPORARY CREDITS TO MAKE PERMANET IN XXXX. NO NOTICE OF UNAUTHORIZED TRANSACTIONS I REPORTED XXXX, XXXX, XXXX, XXXX XXXX OR XX/XX/XXXX. USAA HAS IGNORED MY REQUEST FOR ASSISTANCE FOR MY SEVERE HAND XXXX TO REPORT FRAUD. USAA PERMANET FRAUD CREDITS NEVER PROVIDED. ** I HAVE NO ACCESS TO MY ON LINE ONLY BANKING. XX/XX/XXXX usaa gives me NO ACCESS WHEN I PHONE. My call password used to get me access. Today USAA DEMANDS I pay to have neighbor read my texts and write numbers down for me so I can repeat them to gain access. MY HANDS CAN NOT DO TEXT EMAIL VERIFICATIONS. Due to virus USAA calls me back at my phone number they send texts to verify it is me?? They returned a call to this text phone number so?? Huh?? Why doesn't that verify WHO THIS 35 YEAR MEMBER IS??. IT IS THE SAME PHONE NUMBER? CRUEL CRUEL ABUSE OF POWER NO ACCESS FOR XXXX. MY EXCELLENT CREDIT SCORE DESTROYED BY USAA.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-07
Issue: Problem with customer service
Subissue:
Consumer Complaint: USAA credit started applying late fees to my credit card ending in XXXX despite me calling and requesting them to examine my XXXX balance account! They kept adding a late fee every month despite my calls and emails. I would respectfully request assistance to repair this minor issue that they did not explore. They have now referred the issue to collections, a fee I do not owe. Hope you can help? Thanks XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2020-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A