Date Received: 2020-03-28
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/2019 transactions all XX/XX/2019 credits total {$470.00} ARE REVERSED See attached XX/XX/2019 STATEMENT XX/XX/2019 ( NEW ADDITIONAL CHARGES OF {$470.00}. ) WHY?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: See attatched XX/XX/XXXX STATEMENT. See transactions XX/XX/XXXX - XX/XX/XXXX {$810.00}. {$120.00}. & {$210.00} subtratcted. XX/XX/XXXX XX/XX/XXXX MERCHANTS CREDITS. The remaining balance AFTER MERCHANTS CREDITS was {$470.00}. KINDLY NOTE MERCHANTS CREDITS {$340.00} ARE THE ONLY CREDITS for period XXXX XXXX attatched XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX {$470.00} I REPORTED UNAUTHORIZED ( KINDLY NOTE THIS * DID NOT INCLUDE {$340.00} CREDITED BY MERCHANTS. ) See attatched FRAUD letter of XX/XX/XXXX XX/XX/XXXX {$120.00} XXXX XXXX WAS NOT REPORTED FRAUD XXXX XXXX see attatched XXXX STATEMENT KINDLY NOTE ( the credit deposited at beginning of the investigation have been reversed ) ** USAA REVERSES MERCHANTS CREDITS OF XX/XX/XXXX ON XX/XX/XXXX ( WITH NEW CHARGES ) forcing me to buy back two items that were picked up at store and returned at store and CLAIMING THEM TO BE USAA CREDITS. See attatched FRAUD letter of XX/XX/XXXX XX/XX/XXXX {$210.00} ( the credit we deposited at the beginning of the investigation HAVE BEEN REVERSED ) AGAIN KINDLY NOTE THERE ARE NO USAA CREDITS XXXX XXXX see attatched statement of XX/XX/XXXX ** USAA REVERSES MERCHANTS CREDITS {$210.00} OF XX/XX/XXXX XX/XX/XXXX STEALING XXXX MERCHANTS CREDITS CLAIMING THEM TO BE USAA CREDITS.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-28
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: My federal and nj state tax refund were fraudulently sent to USAA bank and theyve wont give me any details despite telling them that this was done fradulently. My federal state refund was sent to them on XX/XX/2020 for {$12000.00} and my state refund of {$2200.00} was sent to them on XX/XX/XXXX. I have no idea if this money was sent back to the respective parties or not or who the account at USAA even belongs to or whether someone tried to open the account in my name. Its ridiculous that they wont help me at all. That is over {$15000.00} of my money that was stolen. I am a XXXX working the front lines during the covid outbreak and its already bad enough not having supplies and putting myself in danger everyday at work but now I cant even get my tax refund back! USAA is the worst and no one should ever bank with them!
Company Response:
State: NJ
Zip: 07920
Submitted Via: Web
Date Sent: 2020-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
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: I am Disputing CREDIT REVERSALS OF TEMPORARY CREDITS XX/XX/XXXX NEVER APPLIED OR MADE PERMANET TO REVERSE THE CREDIT. ( YOU CAN NOT TAKE BACK WHAT USAA NEVER PROVIDED!!! ). See attatched XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX {$470.00} Completed. USAA Policy is that Temporary Credits ** MUST BE MADE PERMANET** TO APPLY TO BALANCE. See attatched XX/XX/XXXX Credit Reversals XX/XX/XXXX. {$110.00} TEMP CREDIT. XX/XX/XXXX * {$110.00} REVERSED BEFORE APPLIED PERMANET SAME DAY ACTUALLY. XX/XX/XXXX * {$21.00} Reversed XX/XX/XXXX {$21.00} NEVER MADE PERMANET XX/XX/XXXX * {$200.00} TEMPORARY XX/XX/XXXX {$200.00} CREDIT NEVER APPLIED NEVER MADE PERMANET XX/XX/XXXX * {$280.00} TEMPORARY USAA CREDIT REVERSED XX/XX/XXXX NEVER APPLIED MADE PERMANET See statement XX/XX/XXXX XXXX NO USAA CREDITS PROVIDED for XX/XX/XXXX FRAUD of * {$470.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/2018 usa bank I was tey to open an account and it went my credit
Company Response:
State: WI
Zip: 53216
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
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 transaction date XX/XX/XXXX XXXX Permanet USAA CREDIT {$17.00}. See attatched XX/XX/XXXX Statement CONFIRMING XX/XX/XXXX ( ** {$17.00} PERANET XXXX XXXX REVERSED ). See attatched XX/XX/XXXX XXXX Permanet USAA CREDIT** {$25.00} See attatched ( XXXX XXXX, XXXX {$25.00} PERMANET USAA CREDIT REVERSED. ) See attatched XX/XX/XXXX XXXX PERANET USAA CREDIT transaction XX/XX/XXXX See attatched XX/XX/XXXX Statement ( XX/XX/XXXX ** {$15.00} USAA PERMANET CREDIT REVERSED ).??? WHY???
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
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: XX/XX/XXXX see attatched FRAUD CLAIM {$470.00} XX/XX/XXXX Confirming ( USAA policy Temporary Credits Must be made Permanet Upon Completion of Investigation. ) Date of claim was XX/XX/XXXX XX/XX/XXXX * USAA TOOK A YEAR TO COMPLETE INVESTIGATION AND MAKE TEMPORARY CREDITS PERMANET. Based on USAA Policy Above KINDLY NOTE XX/XX/XXXX STATEMENT USAA TEMPORARY OTHER CREDITS XXXX TOTAL {$2.00}, XXXX ** When?? were these {$2.00}, XXXX Temporary USAA Credits EVER MADE PERMANET AT A LATER DATE PER USAA POLICY?? * YOU KNOW AFTER WAITING OUT THE COMPLETION?? OF INVESTIGATION? LIKE THE XX/XX/XXXX FRAUD * YOU KNOW TAKING A YEAR TO COMPLETE AND BECOME PERMANET CREDITS.?? WHEN?? WHAT STATEMENT?? AFTER XX/XX/XXXX?? WERE {$2600.00} MADE PERMANET???
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: see attatched XX/XX/2019 Statement. Ms XXXX Exec Resolutions Dept Confirms {$2.00}, XXXX USAA CREDITS PROVIDED TIMELY. SO I MUST TAKE HER WORD AS TRUTH. {$2600.00} USAA CREDITS WERE PROVIDED XX/XX/2019 and After careful numerous reviews ALL INTERNAL CALCULATIONS ARE CORRECT. There is a Serious Accounting ERROR USAA DISMISSES. Kindlly Note {$2.00}, XXXX USAA TEMP OTHER CREDITS plus + {$910.00} TOTAL CREDITS MERCHANTS= {$3600.00} EARNED CREDITS. IN MY FAVOR. Ms. XXXX Confirmed New Purchases XX/XX/2019 total {$860.00} plus + Previous Balance {$1.00}, XXXX = $ {$1.00}, XXXX DEBITS EARNED XX/XX/2019. {$3.00}, XXXX CREDITS EARNED XX/XX/2019 ( - minus ) {$1.00}, XXXX DEBITS EARNED. ( BALANCE XX/XX/2019 IS THEN ( - ) *** ( MINUS - {$1600.00} ) *** Statement Balance Calculated by USAA Ms XXXX in Exec Resolutions Department {$960.00} IS NOT ACCURATE ACCOUNTING ** MY BALNCE XX/XX/2019 CLEARLY IS $ - XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
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 MERCHANT RESPONSE USAA just sent me XX/XX/2020 in regards to MY REQUEST FOR. ORIGINAL SIGNATURE. OF WRITTEN DOCUMENTATION OF ACCEPTACE OF DELIVERY AND PROOF OF MY PURCHASE ie. ( Picked Up @ Post Office OR DELIVERED INTO MY HANDS. ) AND IP TRACKING This USAA Provided see Attatched is NOT FROM XXXX BUT A 3RD PARTY???. Documentation with XXXX Heading. KINDLY NOTE ( 1 ) IP ADDRESS XXXX ** IS NOT MY IP ADDRESS. ** ( 2 ) THE SHIPPING ADDRESS XXXX XXXX XXXX XXXX XXXX ** IS NOT MY ADDRESS FOR DELIVERY. ** Clearly, USAA DOES NOT CONDUCT ACCURATE FRAUD INVESTIGATIONS AND LEAVES CONSUMER LIABLE FOR FRAUD.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: USAA Reports Criminal Activity by me Falsely Destroying my Good Credit and Good Name to Credit Reporting Agencies. XX/XX/XXXX RESPONSE CFPB XXXX. USAA Also reports me as Reporting Fraud on A RETURNED ITEM {$120.00} XXXX XXXX. I AM NOT A CRIMINAL. I DID NOT REPORT XXXX XXXX {$120.00} AS FRAUD XX/XX/XXXX. AFTER IT WAS RETURNED. Several attatchments Proove that Beyond a Shadow od Doubt. ( A ) XX/XX/XXXX STATEMENT ( 1 ) confirms {$470.00} IS WITHOUT THE XXXX XXXX {$120.00}. ( 2 ) Confirms NO BEGINING USAA TEMPORARY FRAUD INVESTIGATION CREDITS. A USAA POLICY WHEN FRAUD REPORTED. ( B ) attatched FRAUD LETTER XX/XX/XXXX ( 1 ) XXXX XXXX {$120.00} refers to CREDITS BEING REVERSED. ** Clearly this could NOT HAVE BEEN REPORTED FRAUD IN XX/XX/XXXX. They WERE NOT REVERSED UNTIL XX/XX/XXXX. see attatched STATEMENT XX/XX/XXXX. I. DEMAND USAA REPORT TRUTH.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A