Date Received: 2020-03-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX some orders showed up on my USAA Federal Savings Bank XXXX account. These charges originated from XXXX and XXXX. I immediately contacted XXXX and USAA and XXXX to report the fraud. USAA was contacted on XX/XX/XXXX and the temporary credit appeared on XX/XX/XXXX. I was not at home at the time and arrived back home on XX/XX/XXXX. The bulk of the items were delivered on XX/XX/XXXX but were not present when I arrived home on XX/XX/XXXX. I reported this to XXXX and XXXX as well as USAA. On XX/XX/XXXX the Debit Card Recovery reversal in the amount of {$1900.00} appeared on my USAA account. I received a letter on XX/XX/XXXX stating that 6 of the seven items that were claimed as fraud were found to be not fraud and one item was found to be fraud. USAA finally ensured that the affidavit was sent to me as well as supporting documents after the decision on XX/XX/XXXX and XX/XX/XXXX. I was told by the Fraud Claims Department that submitting the affidavit will do nothing to change the decision already made. I also attempted from XX/XX/XXXX onward to contact XXXX and XXXX to settle this matter. Both XXXX and XXXX stated that because the fraud claim was submitted to USAA for the Debit card fraud that it was impossible to submit claims with their companies. Even though I followed the procedure of the Bank and XXXX and XXXX by reporting this fraud immediately, They continue to deny fraud occurred. I believe that saving my XXXX card Credit card information on XXXX as well as poor security measures is what caused the fraud to occur.. I have exhausted all avenues of settlement and desperately need help in settling this matter. Returning the {$1900.00} to my account is the only fair resolution in this matter. I followed the procedure and immediately reported the fraud and yet I am being held responsible for the disappearance of the packages that did not order in the first place. I believe that saving my Debit card Credit card information on XXXX as well as poor security measures is what caused the fraud to occur.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32967
Submitted Via: Web
Date Sent: 2020-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-12
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX, returning XX/XX/XXXX, and XXXX in XX/XX/XXXX. I applied for my SCRA benefits with USAA each time. The company did not apply the required 6 % interest rate to my account. They have not back dated the error sin XX/XX/XXXX. I have been charged XXXX in excessive interest.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85367
Submitted Via: Web
Date Sent: 2020-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RESTITUTIONAND other attempt to collect debt not owed ID THEFT never resolved. USAA rep harrasses with, WE KNOW YOU HAVE MADE PAYMENTS ON YOUR DEBT. *** I made payments because USAA LIED TO ME FOR TWO YEARS *** CLAIM8NG USAA PERMANET CREDITS WERE MADE TIMELY THAT DID NOT EXIST. Fooling me PRETENDING TEMPORARY CREDITS WERE INCLUDED IN TOTAL CREDITS ** AND THEY ARE NOT TO HAVE 2 CREDITS ONE PURCHASE. Providing a way to create ALL THOSE CREDIT REVERSALS telling Consumer I HAD 2 CREDITS FOR ONE PURCHASE SO USAA TOOK THEIRS BACK. ** ONLY PROBLEM WAS USAA NEVER GAVE THEM TO TAKE BACK ** Yes, USAA YOU POWERED OVER ME MAKING ME PAY YOU. Abuse of Power is Dangerous Abuse. YOU DESTORYED MY CREDIT YOU STOLE MY SOCIAL SECURITY YOU NEVER MADE GOOD FRAUD REPORTED XX/XX/XXXX - XX/XX/XXXX. AND DEFAMATION RE : XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-11
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 response of XXXX XXXX and XXXX XXXX XX/XX/XXXX confirms XXXX XXXX {$120.00} IS NOT INCLUDED in the {$470.00} I REPORTED FRAUD XX/XX/XXXX. XX/XX/XXXX USAA Confirms in XXXX XXXX NO XXXX XXXX A RETURNED ITEM IS INCLUDED IN FRAUD I REPORTED XX/XX/XXXX. XX/XX/XXXX XXXX XXXX USAA Confirms XXXX XXXX A RETURNED ITEM {$120.00} IS INCLUDED PART OF BALANCE LEFT AFTER MERCHANT PAID XX/XX/XXXX. XXXX XXXX XXXX XXXX IS INCLUDED AGAIN AS BEING PART FRAUD I REPORTED XX/XX/XXXX?? XX/XX/XXXX XXXX XXXX and XXXX and XXXX XXXX XX/XX/XXXX XXXX XXXX RETURNED ITEM IS INCLUDED IN WHAT I REPORTED FRAUD XX/XX/XXXX. I'M CONFUSED?? AND XX/XX/XXXX STATEMENT CONFIRMS NO USAA CREDITS. NO RESOLVE OF FRAUD {$470.00} XX/XX/XXXX DEFAMATION USAA DEFAMED MY NAME REPORTING FASELY CLAIMING I REPORTED A RETURNED ITEM AS FRAUD. LIES LIES LIES AND LIES CREDITS FROM USAA APPLIED. Both responses can not be right. I CLAIM DEFAMATION. STATEMENTS ARE PROOF OF TRUTH.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-11
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 attached FRAUD CLAIM XX/XX/XXXX {$470.00}. Temporary Credits made permanet NEVER APPLIED AFTER 10 TEN MONTHS OF INVESTIGATION. See attatched STATEMENT XX/XX/XXXX. ONLY CREDITS ARE MERCHANTS CREDITS. Where are the timely USAA temporary credits USAA CONFIRMS WERE MADE PERMANET THAT HAVE NEVER BEEN MADE. 10 TEN MONTHS LATE? THEY DO NOT EXSIST. Why was I descriminated against because of my age or was it my XXXX? WHY WEREN'T MY FRAUD CREDITS MADE TIMELY? WHY WEREN'T CREDITS CONFIRMED PROVIDED PROVIDED AS WITH THOSE ABLE TO GO ON LINE ALWAYS ARE PER USAA POLICY? DISCRIMINATION AGAINST XXXX XXXX CONSUMERS? XXXX XXXX ARE NOT ABLE TO GO ON LINE WHEN USAA IS NOT ADA ACCESSIBLE. No man in blue ADA ACCESS. NO WAY TO RESOLVE TARGETED XXXX XXXX CONSUMERS FRAUDS. XXXX USAA STILL NO RESOLVE. ALL OTHERS WOULD BE PROVIDED CREDITS TIMELY OR AT ALL, BUT NOT ME A XXXX XXXX CONSUMER THAT NEEDS MORE PROTECTION THAN THOSE LESS VULNERABLE!!!!!!!!!!!! AND A 35 YEAR MEMBER XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-11
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 HAVE BEEN ASKING USAA HOW USAA PERMANET CREDITS APPEAR ON STATEMENTS. How are they shown on statements different than temporary credits. Good Lord see all USAA CFPB RESPONSES PERMANET CREDITS APPLIED TIMELY. USAA HAS BEEN UNCOOPERTIVE IN PROVIDING THIS INFORMATION FOR OVER 2 YEARS NOW. ( ** I FINALLY FOUND PERMANET CREDITS LISTED ON STATEMENT See attatched XX/XX/XXXX STATEMENT. ** ) XX/XX/XXXX ADJUSTMENT PURCHASES CREDIT {$170.00} XX/XX/XXXX ADJUSTMENT PURCHASES CREDIT {$75.00} ( ** AND THEY ARE INCLUDED IN TOTAL CREDITS FOR THIS PERIOD ** ) just as I thought they should show but USAA HAS BEEN DENYING TWO YEARS. SO USAA Where are the PERMANET CREDITS INCLUDED IN TOTAL CREDITS THIS PERIOD XX/XX/XXXX {$470.00}???? PERMANET CREDITS see attatched USAA FRAUD CLAIM DATE XX/XX/XXXX NOW THAT I FINALLY KNOW HOW PERMANET CREDITS APPEAR ON STATEMENT I MUST ASK?? Where are the permanet credits of unauthorized transactions of : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN TOTAL CREDITS FOR THIS PERIOD??????? THEY DO NOT EXSIST.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-11
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: Oopps I WAS WRONG thinking USAA PERMANET CREDITS XX/XX/XXXX {$170.00} XX/XX/XXXX {$75.00} ARE REALLY PERMANET even though they ARE INCLUDED IN TOTAL CREDITS THIS PERIOD & SHOW AS ADJUSTMENT PURCHASES CREDIT see XX/XX/XXXX statement attatched. See attatched statement XX/XX/XXXX XXXX USAA REVERSED THESE PERMANET CREDITS {$170.00} & {$75.00} XX/XX/XXXX. See attatched USAA Statement XX/XX/XXXX {$15.00} {$17.00} {$25.00} PERMANET CREDITS USAA ** REVERSED XX/XX/XXXX see attatched statement. USAA can view these statements on line. TWO YEARS XX/XX/XXXX FRAUD NEVER CREDITED WITH ANY USAA PERMANET CREDITS ** THAT STAY PERMANET. DOES USAA HAVE ANY PERMANET CREDITS PERMANET??? I HAVE BEEN THROUGH ALL TEMPORARY CREDITS then awaited them TO BE MADE PERMANET TWO YEARS LATER and after I. Have had to FIGHT USAA TO MAKE PERMANET CREDITS DUE cleverly at a later date USAA REVERSES USAA PERMANET CREDITS. AGAIN, DOES USAA HAVE ANY PERMANET THAT ARE PERMANET???????
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-11
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 transactions XXXX XXXX see attatched transactions XX/XX/XXXX. Duplicate charges are XX/XX/XXXX, {$340.00} XX/XX/XXXX ALL XXXX are charges from XX/XX/XXXX TOTAL {$470.00}. All XXXX Transactions are ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX ( XXXX XX/XX/XXXX ) and ( XX/XX/XXXX ) XXXX. XX/XX/XXXX statement ( MERCHANTS PAID {$340.00} XX/XX/XXXX back on card XX/XX/XXXX as New Purchases ) THERE ARE NO CREDITS FROM USAA. All these are duplicate charges. XX/XX/XXXX AND XX/XX/XXXX TOTAL {$810.00} ON CARD 2Xs.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-11
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 statement. see attatched USAA FRAUD LETTER OF UNAUTHORIZED {$470.00} temporary credits 10 TEN MONTHS AFTER FRAUD XX/XX/XXXX REPORTED XX/XX/XXXX. Kindly Note. THERE ARE NO USAA TEMPORARY USAA CREDITS TO REMAIN PERMANET 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: 2020-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-11
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 FRAUD LETTER XX/XX/XXXX, FRAUD LETTERS. * credit we deposited at the beginning of investigation HAVE BEEN REVERSED. see attatched XX/XX/XXXX statement of transactions. ONLY CREDITS ARE MERCHANTS {$340.00}. NO NONE NO USAA CREDITS PROVIDED.!! USAA REVERSES CREDITS NEVER PROVIDED.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A