Date Received: 2020-03-19
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: XX/XX/2018 I REPORTED {$470.00} transactions UNAUTHORIZED. USAA POLICY ADVERTISED PROMOTED IS ZERO FRAUD LIABLITY. WHY IS USAA LEGALLY ALLOWED TO DECEPTIVELY HIDE ALL ( PERMANET FRAUD CREDITS?? APPLYING TO ACCOUNT INTERNALLY?? ) ** showing only temporary credits XXXX DECEIVING?? CONSUMERS INTO BELIEVING TWO CREDITS APPLIED?? FOR ONE PURCHASE AND THEN ** REVERSING MERCHANTS CREDITS?? WHEN temporary credits were never applied not made permanet????
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-19
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: XX/XX/XXXX USAA CFPB RESPONSE XXXX XXXX reported by me XX/XX/XXXX CONFIRMS INACCURATE INFORMATION ** ALLEGING I REPORTED XXXX XXXX A RETURNED ITEM {$120.00} XX/XX/XXXX AS FRAUD CONFIRMING ( XXXX XXXX BEING ** INCLUDED IN THE BALANCE OF {$470.00} XXXX XXXX see attatched XX/XX/XXXX XXXX XXXX CLEARLY THE {$120.00} IS NOT INCLUDED IN FRAUD OF {$470.00} I REPORTED FRAUD ON THE BALANCE LEFT AFTER CREDITED BY XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$120.00} IS NOT INCLUDED IN THE {$470.00} BALANCE LEFT AFTER {$120.00} WAS ( SUBTRACTED ) USAA STATEMENT XX/XX/XXXX AGAIN USAA IT DOES NOT INCLUDED THE XXXX XXXX. see attatched CFPB XXXX XXXX CONFIRMS USAA HELD ME LIABLE FOR THE {$470.00} UNAUTHORIZED TRANSACTIONS CLAIMING TO CRAs REPORTING ME AS A CRIMINAL ATTEMPTING TO COLLECT ON RETURNED ITEMS DESTROYING MY CREDIT AND SLANDERING MY NAME. see attatched XX/XX/XXXX. XX/XX/XXXX CFPB XXXX see attatched RESPONSE CONFIRMS I WAS HELD LIABLE FOR THE {$470.00} see attached FRAUD CLAIM LETTER {$470.00} TRANSACTIONS OF XX/XX/XXXX AFTER USAA INVESTIGATION XX/XX/XXXX ARE CONFIRMED BY USAA AS BEING UNAUTHORIZED. see again XX/XX/XXXX STATEMENT XXXX NO USAA CREDITS APPLIED AND NO XXXX XXXX {$120.00} IS INCLUDED IN THE BALANCE OF {$470.00} I REPORTED FRAUD. USAA FRAUDS CONSUMERS. COLLECTS ON ID THEFT IS NOT ZERO LIABILITY AS THEY ADVERTISE. USAA BREAKS THE LAWS. LIES TO SAVE PROFITS AND SLANDERS MY GOOD NAME AND CREDIT CONFIRMING FALSE INFORMATION.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/XXXX STATEMENT all credits are from merchants. NO USAA CREDITS. Please let this complaint provide vaiid proof usaa is not zero liability. Furthermore USAA holds consumers liable for unauthorized transactions. see attatched CFPB RESPONSE XXXX XX/XX/XXXX XXXX XXXX. OF OUR STAFF CONFIRMS " USAA HELD YOU LIABLE THE XX/XX/XXXX UNAUTHORIZED TRANSACTIONS OF {$470.00}. see attatched USAA FRAUD CLAIM LETTER dated XX/XX/XXXX XX/XX/XXXX {$470.00} UNAUTHORIZED TRANSACTIONS CONFIRMED AFTER INVESTIGATION. Kindly Note XX/XX/XXXX STATEMENT PROOVES NO USAA CREDITS AND USAA STAFF MS XXXX CONFIRMED XX/XX/XXXX USAA HELD ME LIABLE FOR THE {$470.00}. WHY??? AND THEY TRY TO COLLECT WHAT IS NOT OWED. USAA DESTROYED MY CREDIT.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-18
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 XX/XX/XXXX CFPB XXXX XXXX. RESPONSE USAA CONFIRMS XX/XX/XXXX XX/XX/XXXX numerous temporary credits. What is NOT REPORTED IS TRUTH TEMPORARY CREDITS ** NEVER MADE PERMANET*** XXXX XXXX USAA rep CONFIRMS USAA HELD ME THE CONSUMER LIABLE FOR THIS {$470.00} FRAUD REPORTED XX/XX/XXXX. See attatched CREDIT CARD FRAUD CLAIM date XX/XX/XXXX ONLY THE BALANCE OF STATEMENT {$470.00} WAS REPORTED FRAUD BY ME. ** XX/XX/XXXX USAA CFPB RESPONSE HELD ME LIABLE FOR THE {$470.00} FROM XX/XX/XXXX Then ( month later ) XX/XX/XXXX USAA SENDS FRAUD CLAIM LETTER XX/XX/XXXX ( CREDITS MADE PERMANET ) viewing XX/XX/XXXX STATEMENT, CLEARLY USAA CREDITS NEVER MADE PERMANET EVER. XX/XX/XXXX STATEMENT AS CONFIRMED BY XXXX XXXX CONFIRMS ONLY CREDITS XX/XX/XXXX WERE MERCHANTS {$340.00}. USAA PLACED REVERSALS OF TEMPORARY CREDITS. {$340.00} NEVER GIVEN XXXX XXXX XXXX, XXXX see XX/XX/XXXX STATEMENT. USAA HAS NEVER PROVIDED PERMANET CREDITS & TEMPORARY CREDITS of the {$340.00} WERE NEVER GIVEN XX/XX/XXXX TO REVERSE XX/XX/XXXX & XX/XX/XXXX the entire transactions are back on the card AS NEW CHARGES??? XX/XX/XXXX, XX/XX/XXXX = {$810.00} ( USAA ADMITS THEY HELD ME LIABLE FOR {$470.00} UNAUTHORIZED TRANSACTIONS????? XX/XX/XXXX ) XX/XX/XXXX TO CFPB AND THEN ** XX/XX/XXXX CREDITS MADE PERMANT.??? CAN NOT BE BOOTH THERE ARE NO USSA CREDITS EVER. Internal hidden credits are UNACCEPTABLE. This is over two years later. Where are all of my INTERNAL HIDDEN fraud credits????? USAA DESTROYED MY CREDIT!!!! USAA LEAVES CONSUMERS LIABLE FOR UNAUTHORIZED TRANSACTIONS AND IT IS CONFIRMED BY USAA XX/XX/XXXX TO CFPB.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-17
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 USAA STATEMENTS OF TRANSACTIONS XXXX XX/XX/XXXX & XXXX XX/XX/XXXX DUPLICATE CHARGES. XX/XX/XXXX {$120.00} & XX/XX/XXXX {$120.00} XX/XX/XXXX {$210.00} & XX/XX/XXXX XX/XX/XXXX {$230.00} & XX/XX/XXXX {$230.00} {$52.00} XX/XX/XXXX & XX/XX/XXXX {$36.00} XX/XX/XXXX & {$36.00} XX/XX/XXXX {$25.00} XX/XX/XXXX $ {$25.00} XX/XX/XXXX {$25.00} XXXX XXXX & {$25.00} XX/XX/XXXX {$24.00} XX/XX/XXXX & {$24.00} XX/XX/XXXX {$17.00} XX/XX/XXXX & XX/XX/XXXX {$15.00} XX/XX/XXXX $ {$15.00} XX/XX/XXXX plus {$9.00} XXXX XXXX XXXX XXXX = ALL DUPLICATE XXXX XXXX TRANSACTIONS = TOTAL {$810.00} DUPLICATE TRANSACTIONS NEVER RESOLVED WHY?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-17
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On XX/XX/2020, I made a ACH payment to XXXX credit card. I checked my account and had the funds in my account. All my other payments had been made on XX/XX/2020. All of those payments had cleared or should have cleared. XXXX ACH payment took less than a day. I want to know why my payment did not go through when the money was in my account when I checked. I want to know what my balance said for that day and time that I made the {$43.00} payment to XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2020-03-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-17
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: USAA has to do a better job of contacting it's most Veteran customers who suffer from XXXX and other issue. For example XXXX XXXX calls their customers. On the eve of the worst Pandemic of my life time USAA decided to side on the side of its Ticket Broker associates XXXX over it's own long term customer of approximately 8 years. I purchased my tickets using a USAA debit card XX/XX/2020 from XXXX for the amount of {$280.00}. I had entertained the idea of selling my tickets and on a XXXX search XXXX appeared. There website requested a Card in which to make a deposit. Almost 3 days before and the day of when I was awoken by a ticket broker I declined to sale my ticket and attended the event. Sometimes after the event approximately 30 days after my purchase XXXX debited my account {$280.00} and an additional {$200.00}. USAA does not have an email to send documents instead yout are directed to upload documents on an App that does not work. Based on there location, I can assume that my Ethnic sounding name and that the show was headlined by XXXX XXXX was all that they took into consideration when debiting my account without a phone call ot text which is standardized communication. The Coronavirus and my inability to access funds has severely taken me into a depressed state that saddens me. I would like my funds today so that I can buy diapers, tissues, water, and food. THANK YOU
Company Response:
State: CA
Zip: 90062
Submitted Via: Web
Date Sent: 2020-03-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-16
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: A letter was written To change address in XX/XX/XXXX. In XX/XX/XXXX I had not received Yearly Annuity statement for XX/XX/XXXX. SEVERAL CALLS WERE MADE AND ACCESS WAS DENIED TO MY ANNUITY ACCOUNT. DRIVER LICENSE LAST FIVE NUMBERS WERE VERIFIED AND A COPY IS ON FILE. MY DATE OF BIRTH WAS VERIFIED AS INDICATED ON LICENSE AND ANNUITY ACCOUNT. I ALSO VERIFIED COMPANY ANNUITY WAS.OBTAINED BACK IN XX/XX/XXXX. AGENT STILL REFUSE TO UPDATED MY MAILING ADDRESS AND SEND ME FORM TO CLOSE OUR MY ANNUITY. THIS KEEPS OCCURRING EVERYTIME I MAKE A CHANGE TO MY ACCOUNT. MY LAST CHANGE WAS ADDRESS AND AFTER THEY CORRECT IT THEY REFUSE ME ACCESS TO MY ACCOUNT AND THE CYCLE REPEATS AGAIN DENYING ME ACCESS TO MY ACCOUNT.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33578
Submitted Via: Web
Date Sent: 2020-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: See attatched USAA 3 three FRAUD LETTERS XX/XX/XXXX transactions total {$810.00} creditcard end XXXX XX/XX/XXXX STATEMENT of. XXXX XX/XX/XXXX. {$810.00}. see attatched ID THEFT of Transactions beginning XXXX XXXX see attatched USAA INACURATE CREDIT REPORTING. Kindly note ( page 13 of 26 ) Account XXXX date opened XX/XX/XXXX PAST DUE Reported XX/XX/XXXX INCLUDED IN HISTORY FOR THIS ACCOUNT CLEARLY SHOWS ** ( page 14of 26 ) XXXX XX/XX/XXXX date last payment XX/XX/XXXX CIRCLED *** two years before it was on account?? Kindly Note I have found WHY USAA CREDITS OF XX/XX/XXXX, these letters not sent reguarding fraud of XX/XX/XXXX until XX/XX/XXXX, DISAPPEARED??? USAA CLOSED CARD XXXX ** NO STATEMENT EVEN PROVIDED WITH THIS CARD ENDING XXXX. NO INFO PROVIDED TO ME. The entire thing disappeared after I reported fraud XX/XX/XXXX, XXXX of {$470.00} USAA REFUSED ME STATEMENTS CARD ending XXXX. USAA REPORTS FRAUDULENT DEBT and Collects on ID THEFT see attatched 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: 2020-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: See attatched Credit Report USAA account XXXX date opened XX/XX/XXXX reported XX/XX/XXXX. My records do Not show I Applied & Authorized this Account. Please send My Original Written Signature to Verify I Applied & Authorized this debt or Remove IMMEADETLY.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A