Date Received: 2020-03-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage is with USAA and I live in XXXX XXXX XXXX. New York is under a state of emergency due to XXXX. Governor XXXX XXXX approved a 90 mortgage deferment for New York. I called USAA and they have explained that the 90 day deferment is in effect in their systems. However, what was explained is that after the 90 day deferment, there will be a balloon payment due for three months which in my case would be {$8300.00}. The {$8300.00} will be due on XX/XX/2020 ( after 3 months ). The logical thing to do is to put the amount owed towards the end of the loan/at maturity. It does not make sense that there will be a balloon payment due after three months. New York is under a state of emergency, how can one participate in such a program where a huge balloon payment will be due after three months? The proper solution would be to take the amount and add the amount at maturity.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11418
Submitted Via: Web
Date Sent: 2020-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-24
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Debt collection company contacted family members in regards to " Locate me ''. Yes, they have tried to contact me an I have not returned there calls but my phone number has always been the same and not disconnected with the same voice stating that you have reached me. The company specifically named it self to my family members, not stating that they are trying to collect a debt but that can be changed with one XXXX search away. How are debt collection companies able to research this information and contact third party 's without there consent? Family members are now worried that there information has been comprised.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: RI
Zip: 02920
Submitted Via: Web
Date Sent: 2020-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-24
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Note : The initial questioning does not suit my scenario, therefore I place any answer to move forward. I would suggest other means of finding the issue of the complainant, such as a direct question. To : Consumer Financial Protection Bureau XX/XX/XXXX From : XXXX XXXX XXXX To whom it may concern, I am making a complaint in reference to property claim dispute with USAA insurance. I have been working on this claim over a year. I first noticed the damage to the home in XX/XX/XXXX. I was in school in XXXX, Tennessee at the time. One weekend I came home to check my mail and I had to immediately return school, because I was working as an XXXX in the mornings and attending school in the evening. I witnessed the wind blow my roof shingles up in the air like a sheet being tossed to and fro when one attempts to make their bed. It was raining at the time too. I did not have time to contact USAA and follow the complaint. I submitted the complaint when I finished school in XXXX. The actual date may be in XXXX or XXXX of XXXX. I had considerable mail to police and work to do to put my house in order, literally. I have health issues that needed to be attended to and I was working with VA to get those taken care of. I had a XXXX XXXX ( XXXX XXXX ) and they are currently working to help with XXXX XXXX XXXX XXXX XXXX, so my ability to get around is severely hampered. The issues with the claims are the inspector ( s ) will come out and inspect, but they do not report or even return calls to me once they have completed the report. We would have to review each inspector separately. The final inspector did make his report after my call to USAA. He admitted they will only do what the insurance company wants them to do, which is my word against his. In this final assessment by USAA and their subcontractor XXXX states the cost of repair is less than the deductible, but they never include the repair of the roof, which is estimated to be between three and five thousand dollars. The damage they report is to the bathroom skylight, and the dining and living room water marks. The problem with this is water flows from the roof to those other areas, so if the roof is not repaired one would be wasting their time repairing the other areas. It is akin to placing a bandage on a gaping chest wound. I would have to fill you in on the finer details as we go forward, because the details are considerable and extremely important. Thank you for any assistance, Sincerely, XXXX XXXX
Company Response:
State: GA
Zip: 31909
Submitted Via: Web
Date Sent: 2020-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Called USAA earlier today, XX/XX/XXXX, to explain that I had been laid off work due to COVID-19. I have an automated draft of {$350.00} that should post in two days and wanted to know what financial options were offered, because the funds are NOT currently available in my account. I was told that I do not qualify for anything because they need at least four days notice to stop automated drafts. I was also informed that if I do not pay amount due in 15days a late fee will be charged and if after 30 days that I would be reported to the credit bureau. The representative placed me on hold to consult with a higher official. Unfortunately, the results were the same. No postponement or waiver of late fees after the standard fifteen day grace period, EVEN WITH COVID-19 situation!! I will never again sign for automated drafts with this institution!!! It turns into a curse!!
Company Response:
State: VA
Zip: 22204
Submitted Via: Web
Date Sent: 2020-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: see CFPB complaint XXXX XXXX I submitted XX/XX/2020THIS HAS BEEN 30 Days Ago. Why has there been NO RESPONSE TO COMPLAINT USAA PROVIDES ME ** NO ACCESS DUE TO MY XXXX.??? ( Members not XXXX have 24/7 ACCESS ). I HAVE NONE. see detailed account of no access in this complaint. USAA DENIES ME MY CIVIL RIGHTS DISCRIMINATES AGAINST MY AGE AND XXXX WITH NO ACCESS THAT ALL OTHERS ARE PROVIDED. EVERYONE NEEDS ACCESS TO THEIR BANKING! I AM A VICTIM ( XXXX YEAR OLD ) OF ID THEFT WITH NO ACCESS TO REPORT OR PROTECT MY SELF FROM FRAUD AND NO RESOLVE WITH USAA??
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/XXXX USAA CFPB RESPONSE XXXX XXXX CONFIRMS FALSE ALLEGATIONS. USAA FABROCATED FRAUD REPORTS I DID XXXX NOT REPORT AS FRAUD. XXXX USAA FRAUDULENTLY REPORTS FRAUD REPORTS CONSUMERS NEVER SUBMITTED. USAA XX/XX/XXXX TRYING TO COLLECT ON ID THEFT case XXXX CONFIRMS FRAUD REPORTED BY ME BEING XX/XX/XXXX {$470.00} ( PLUS XX/XX/XXXX - XX/XX/XXXX {$180.00} THEN {$59.00} THEN XX/XX/XXXX {$230.00} ) ** KINDLY NOTE THESE ARE INCLUDED IN THE {$470.00} I REPORTED FRAUD XX/XX/XXXX. USAA CAN VIEW THEM ON STATEMENT ATTATCHED XX/XX/XXXX. USAA TRIES TO COLLECT?? KINDLY NOTE** see attatched XX/XX/XXXX STATEMENT ** KINDLY NOTE XX/XX/XXXX STATEMENT WRITTEN DOCUMENTATION USAA PROVIDED NO CREDITS * USAA CONFIRMS DOUBLE FRAUD REPORTED BY ME.?? NOT TRUE. FALSE ALLEGATIONS KINDLY NOTE USAA YOUR {$180.00} + YOUR {$59.00} + YOUR {$230.00} FAKE FRAUD REPORTS TOTAL TO THE PENNY THE {$470.00} I DID REPORT AS FRAUD!! AND KINDLY NOTE USAA XXXX HAS NEVER RESOLVED THIS FRAUD** CLAIM I REPORTED FRAUD {$470.00} XX/XX/XXXX XXXX NO USAA CREDITS WERE EVER GIVEN see Statement XX/XX/XXXX. THERE ARE NO USAA CREDITS. USAA COLLECTS ON ID THEFT USAA DOES NOT RESOLVE FRAUD. ** FABROCATES FRAUD REPORTS USAA REPORTS ** FALSE CREDIT INFORMATION DESTROYING CONSUMERS CREDIT SLADERING MY NAME THAT I REPORTED FRAUDULENT FRAUD REPORTS I DID NOT REPORT. see attatched FRAUD LETTER XX/XX/XXXX it took from XX/XX/XXXX to XX/XX/XXXX to complete this fraud investigation ( 10 ) MONTHS?? AND ** THERE ARE NO TEMPORARY CREDITS TO MAKE PERMANET!!!. XXXXTHIS CONSUMER HAS BEEN HELD LIABLE FOR AND COLLECTED ON FOR ID THEFT FRAUD OF XX/XX/XXXX USAA ACCUSED ME OF REPORTING FRAUD ON RETURNED ITEM XXXX XXXX OF {$120.00} TO SLADER MY NAME REPORTING ME AS CRIMINAL DENYING MY LEGITIMATE FRAUD CLAIM ** LOOK HOW MANY CFPB COMPLAINTS REPORTED AND STILL TWO YEARS LATER. STILL NO RESOLVE????? USAA OWES ME.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-22
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. Ms XXXX of executive resolution dept confirms ALL HIDDEN INTERNAL CALCULATIONS ARE CORRECT BUT STATEMENT READS DIFFERENTLY. My calculations BASED ON STATEMENT XX/XX/XXXX.OF THE {$2.00}, XXXX OTHER CREDITS {$1.00}, XXXX WERE REVERSED CREDITS ** THAT RESULTED IN NEW PURCHASES UNAUTHORIZED {$340.00} XX/XX/XXXX {$470.00} ADJUSTMENT TEMPORARY CREDITS OF XX/XX/XXXX ARE NEW PURCHASES BACK ON CARD XXXX DISPUTES NOT IN MY FAVOR ARE NOT NEW PURCHASES see attatched statement XX/XX/XXXX.total $ XXXX.and then {$12.00} {$110.00} {$170.00} XXXX NOT NEW PURCHASE {$75.00} REVERSALS TOO {$200.00} XX/XX/XXXX {$280.00} XX/XX/XXXX ARE ** NOT NEW PURCHASES AUTHORIZED BY ME. EITHER. THEY TOTAL {$1.00}, XXXX ARE NOT NEW PURCHASES. see attatched OTHER CREDITS {$2.00}, XXXX MY CALCULATIONS BASED ON THIS STATEMENT ARE : BAL {$1.00}, XXXX - MINUS {$2.00}, XXXX OTHER CREDITS = -MINUS - {$1.00}, XXXX + REAL NEW PURCHASES I AUTHORIZED {$910.00} = BALANCE OF MINUS - {$600.00}. USAA CALCULATIONS BALANCE IS + {$960.00}??? BIG DIFFERENCE.??? WHY???
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-22
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 Why did USAA Begin these Fraud Investigations??? WITH TEMPORARY CREDITS of Adjustment Purchases XX/XX/2019 I DID NOT REPORT FRAUD IN XX/XX/2019??? What is USAA Beginning Investigations on for these transactions that total {$410.00}????? ** What is the New Purchase posted of {$190.00}?? on XX/XX/2019 I DID NOT PURCHASE OR AUTHORIZE????? Why is no notice of any understanding provided? WHY ARE USAA CREDITS HIDDEN FROM CONSUMERS?? WHY HIDE THEM?? THINGS KEPT IN SECRET CREATE ABUSE. USAA IS ABUSIVE. NO RESOLVE OF FRAUD.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-21
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 FRAUD CLAIM LETTER attatched USAA POLICY temporary credits provided until fraud investigation is complete ARE MADE PERMANET. Kindly note this claim date XX/XX/XXXX TOOK TEN ( 10 ) MONTHS TO COMPLETE INVESTIGATION TO MAKE CREDITS PERMANET. see attatched XX/XX/XXXX statement XX/XX/XXXX {$200.00} & {$280.00} TEMPORARY CREDITS ** ARE NEW PURCHASES ** I DID NOT PURCHASE XX/XX/XXXX?? Why are TEMPORARY CREDITS ( no time to have been made permanet yet ) REPLACED WITH NEW CHARGES I DID NOT AUTHORIZE?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-21
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I am being blocked from accessing my usaa checking account after I reported my bank earlier this month to the fob for stealing a funds transfer, from an external bank into my usaa account. Several weeks after reporting to the cfpb, usaa blocked me from online and telephone access. They provided a number for me to call and they never picked up intentionally. They locked me out of my account after stealing my money. Here is proof attached. I have money in my account that I transferred in and when I swipe my debit card it does not work. They are blocking me from the money I transferred in and stole it and locked me out from accessing the account, Through the debit card online and by phone.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2020-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A