Date Received: 2020-03-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: See attatched Credit Report USAA account XXXX opened XX/XX/XXXX TRANSFER/SOLD date closed XX/XX/XXXX USAA REPORTED XX/XX/XXXX * INACURATE REPORTING. PER MY RECORDS I HAVE NEVER HAD THIS ACCOUNT XXXX USAA SOLD TO COLLECT. Send my Original Written Signature of this debt of XX/XX/XXXX Reported Sold XX/XX/XXXX 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
Date Received: 2020-03-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I tried to use my debit card and it was declined due to insufficient funds. This was very odd to me as I knew what the balance in my account was. I left the store and while I was in my car I contacted USAA and stated that there was a charge for {$4500.00} on my account and I did not authorize it. XXXX XXXX told me that by Friday the XXXX the funds would be returned to my account. I stated this needed to happen as my payroll was set to be deposited and I also had bills coming out! The limit on my card is not even {$4500.00} so the card should have declined. my account is now over {$3800.00} in the negative! I called USAA on Friday as I did not see it returned and I was told there was a letter on my USAA app ( I checked and I did not ) Still nothing as of today XX/XX/2020. I was told that because my debit card had a chip on it there was nothing I could do! I did not choose to have a chip ( it was mandated ) On XX/XX/2020 I ordered a new card as I had left my purse in XXXX and when I went back for it it was gone!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 538XX
Submitted Via: Web
Date Sent: 2020-03-15
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 status incorrect
Consumer Complaint: See attatched Credit Report of XXXX from USAA Date Reported XX/XX/XXXX INCORRECTLY Account XXXX ( XXXX ) .DATE CLOSED XX/XX/XXXX SOLD??? XXXX BALANCE * THIS IS NOT MY ACCOUNT PER MY RECORDS AND??? IT POPPED BACK OPEN FIVE ( 5 ) YEARS LATER??? See attatched USAA Account XXXX XXXX XXXX XXXX POPPED BACK OPEN??? STATEMENT XX/XX/XXXX XXXX {$100.00}. REMOVE THIS IMMEADETLY. PROVIDE ORIGINAL WRITTEN SIGNATURE VERIFYING THIS DEBT. USAA OPENS ACCOUNTS 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: 2020-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX has NO OPTIONS is NOT XXXX XXXX FOR XXXX. see attactched corrected report # XXXX for XX/XX/XXXX. I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX accessibility. WHY AM I UNABLE TO HAVE ACCESS? Why is the law for banks not followed? see attatched ID THEFT REPORT XXXX sent to XXXX previously and denied? Why? Kindly note USAA & XXXX XXXX PROVIDED NO ACCESS TO RESOLVE FRAUD. XXXX Provides NO ACCESS. see attatched DELIVERIES NOT MADE CRIM8NAL INVESTIGATION LETTER XX/XX/XXXX. PLEASE PROVIDE WRITTEN PROOF PURCHASES WERE MADE BY ME. PLEASE SEND WRITTEN PROOF THESE TRANSACTIONS WERE DELIVERED INTO MY HAND FOR VERIFICATION OF DEBT. ADA WCAG-21 Section 508 BANKS MUST GIVE EQUAL TREATMENT TO ALL WITHOUT OR ** WITH XXXX and ** XX/XX/XXXX ( " effective communication rule Title I & Title II of Americans Disability Act MAKE IT MANDATORY EQUAL ACCESS TO ALL COMMUNICATION ** MEET THE XXXX PERSONS NEEDS ) as ADA. Little man in blue ACCESS International Sign of ACCESSIBILITY. Banks and Credit Reporting Agencies NEED TO BE LEGAL. I NEED ASSISTANCE I HAVE PROFOND XXXX XXXX XXXX XXXX. What are XXXX Special Needs Options? Why does XXXX not follow the law? Why do they not make banks follow the law?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-14
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Making regular monthly payments yet company is still calling and its getting out of hand. There are times they call me and when I answer no one is on the other line. Again Im making regular monthly payments. I have filed fcc complaints for the ghost calls, now usaa is calling numbers that are family members not mine, which I have asked them to stop.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2020-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have had to call USAA every single time i have a transfer or deposit made to my account to make them " refresh my account '' ( their words ) in order to access my funds. I live paycheck to paycheck, i can not spend 20 minutes on hold waiting to speak to someone to request my account be refreshed when Im trying to use MY money. This is ABSURD. I have spoken to them about this multiple times and have been told both times that I MUST call in to have it refreshed. This practice has never existed until this year. I can not remain banking with them if this is not resolved. It feels like punishment for being poor or something. I have banked with them for over a decade, this is what loyalty gets me?? Why did this become a practice? And how is this even possible??? Any company can withdraw funds from my account instantly, but ai have to call my own XXXX bank to get access to my own money??? It shows my deposits in the transaction history but will not show it in my current balance or available balance. In the past, all of my deposits and transfers have gone through immediately and i have had immediate access. But that isn't happening anymore. This is UNACCEPTABLE.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75050
Submitted Via: Web
Date Sent: 2020-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-13
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: XX/XX/XXXX USAA CONFIRMS {$340.00} New Purchases XX/XX/XXXX ARE VALID CREDIT REVERSALS OF CREDITS DEPOSITED. see Fraud Letters XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXXattatched. SEE Attatched XX/XX/XXXX STATEMENT CREDITS are {$210.00} XXXX {$120.00} XXXX XXXX.Total CREDITS PERIOD {$340.00}.!!! ( ** KINDLY NOTE XXXX XXXX {$120.00} IS NOT INCLUDED IN {$470.00} FRAUD CLAIM DATE XX/XX/XXXX I REPORTED. ** ) USAA CREDITS ARE INTERNAL ILLUSIONS THEY DO NOT EXSIST. There are NO USAA CREDITS TO STEAL.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XX/XX/XXXX USAA confirms to collect a debt USAA temporary credits will REMAIN permanet. See attatched XX/XX/XXXX STATEMENT ONLY CREDITS {$340.00} ARE FROM MERCHANTS. USAA DESTROYED MY CREDIT TO COLLECT WHAT IS NOT OWED.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-13
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: XX/XX/XXXX XXXX XXXX History in phone ** ANOTHER Harrassing/scam call from XXXX USAA. * ALERT USAA VERIFICATION CODES can be screenshot and sent to criminals phones. I DO NOT KNOW IF THIS IS MY SECURITY BREACHED SCAM CALLS ( XXXX PHONE BREACHED AGAIN ) OR HARRASSMENT FROM USAA COLLECTION ATTEMPTS ON ID THEFT REPORTED XX/XX/XXXX WHEN IT FIRST OCCURRED. EITHER WAY THIS IS NOT SAFE.!!! I have reported this to FCC. and notified the local police. I DO NOT BELIEVE USAA TEXTS ARE SAFE.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-12
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: XX/XX/XXXX USAA Confirms credits due me from XX/XX/XXXX NOT MADE TIMELY POSTED XX/XX/XXXX ( 9 ) NINE MONTHS LATER. and NOPE AGAIN USAA, TOTAL PAYMENTS & CREDITS for this period are as statement confirms ( see attatched ) total {$400.00} THAT IS MY PAYMENT OF {$200.00} & REFUND XXXX {$190.00} 3.15 finance 3.35 finance FOR TOTAL {$400.00}. Previously USAA Ms XXXX confirmed credits for XXXX XXXX cell phone refund {$190.00} BUT HAS NOW CHANGED. This response can be viewed CFPB on line. AGAIN THERE ARE NO USAA. PERMANET CREDITS FROM XX/XX/XXXX FRAUDS REPORTED XX/XX/XXXX THE ONLY CREDITS ARE FROM MERCHANTS AS WELL AS XX/XX/XXXX. NOPE THERE ARE NO USAA PERMANET CREDITS EVER. AND IF I REPORTED ALL THAT FRAUD AS USAA ALLEGES.??? Why are there NO TEMPORARY CREDITS???? WHY ARE THERE NO PERMANET CREDITS??? XX/XX/XXXX Fraud Letter Documents will be made permanet. No temps to make permanet. USAA STEALS MERCHANT CREDITS. USAA IS NOT ZERO LIABILITY AS ADVERTISED. USAA ISCNOT ADA ACCESSIBLE AS ADVERTISED. I AM STILL HELD LIABLE FOR FRAUD OF XX/XX/XXXX NOT RESOLVED TWO YEARS LATER AND USAA ATTEMPTS TO COLLECT ON WHAT IS NOT OWED. USAA DOES NOT ADHERE TO THE LAW.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A