Date Received: 2020-03-10
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 ordered a round of drinks and started a tab with XXXX, XXXX and was charged a {$300.00} tip on a tab of {$190.00}, I never authorized this tip nor was I aware until it showed on my card statement. I have attempted to resolve with USAA and the merchant to no success. the credit card receipt shown to me in the dispute has a forged signature and is not mine. I stated this to USAA 's fraud department and they said they're not handwriting experts and the charge is valid. THIS WAS NEVER AUTHORIZED TO BE CHARGED AND WAS FORGED ONTO A RECEIPT! I have even pointed out that the receipts are forged and I was not given any copy. The merchant recognized verbally that the waitress had been fired and offered to give me a free bottle of alcohol. I stated I wanted my money back and this was not acceptable. I updated USAA on this and they didn't seem to care or want to do anything! They continue to say the charge is valid and made me pay it. THIS IS ILEGAL AND UNACCEPTABLE!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78754
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/XXXX XXXX ID # XXXX attempts to collect on what is KNOWN ID THEFT By USAA FTC XXXX see attatched. see CFPB usaa response. XX/XX/XXXX XXXX USAA IS WELL AWARE OF THIS ID THEFT BUT HARRASSES ANYWAY. 18 SCAM CALLS then I answered. see attatched FRAUD CLAIM DATE {$470.00} XX/XX/XXXX Confirmed Unauthorized and STILL UNRESOLVED.?? see attatched CRIMINAL INVESTIGATION OF USPS DELIVERIES XX/XX/XXXX proof Not delivered into my hands. see attatched ( Duties when ID THEFT Occurs * LAWS IGNORED BY USAA. XXXX see attatched ( FCRA STATUES * 15 LAWS USAA IGNORES. )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-10
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 Fraud Report UNAUTHORIZED TRANSACTIONS of XX/XX/XXXX & XX/XX/XXXX I just recieved XX/XX/XXXX. Took 2 years but now that I know usaa can provide fraud reports I am requesting ALL FRAUD REPORTS be provided. See attatched XX/XX/XXXX statement. FRAUDS REPORTED XX/XX/XXXX are {$170.00} XXXX {$170.00} XXXX XXXX NON DELIVERED OR PURCHASED. ( WHAT EVER HAPPEN TO THESE INVESTIGATIONS BEGUN XX/XX/XXXX?????? ) next we have {$200.00} XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX NON DELIVERED TRANSACTIONS. USAA STEALS XX/XX/XXXX AFTER XXXX PAYS XX/XX/XXXX XXXX Please provide WRITTEN PROOF OF PURCHASES AND OF DELIVERY INTO MY HANDS VERIFICATION OF ALL REPORTED FRAUDS. See attatched XX/XX/XXXX statement WE SEE CLEARLY AS USAA STEALS MERCHANTS CREDITS TO COVER MERCHANTS FRAUD LEAVING CONSUMER LIABLE FOR FRAUD FOR ** OVER TWO YEARS. XXXX XX/XX/XXXX {$2.00}, XXXX OTHER TEMPORARY CREDITS NOT APPLIED ONLY {$910.00} PERMANET CREDITS FROM MERCHANTS APPLIED. What merchants send USAA TAKES AS THEIRS FOOLING CONSUMERS INTO THINKING 2 CREDITS FOR ONE PURCHASE WHEN ONLY ONE CREDIT FOR ONE PURCHASE APPLIED WAS THE MERCHANTS. XX/XX/XXXX ALL PERMANET CREDITS FROM MERCHANTS SAME DAY ARE NEW CHARGES AS IF MERCHANT NEVER PAID.??? HUH?? PRETEND USAA TEMPORARY CREDITS ARE LISTED ONLY. They are NOT INCLUDED IN TOTAL CREDITS at bottom of listed ADJUSTMENT PURCHASES. USAA CLEARLY STEALS MERCHANT CREDITS XX/XX/XXXX {$340.00} STOLEN XX/XX/XXXX XXXX. {$470.00} XX/XX/XXXX. TRANSACTIONS BACK ON CARD XXXX TIME XX/XX/XXXX. USAA USES TEMPORARY CREDITS NOT APPLIED TO CREATE FRADULENT CREDIT REVERSALS OF {$2.00}, XXXX IN ONE MONTH XX/XX/XXXX. Provide WRITTEN PROOF OF PURCHASES AND OF DELIVERY INTO MY HANDS. AGAIN, USAA USES TEMPORARY CREDITS TO CREATE PERMANET CREDIT REVERSALS OF MERCHANTS CREDITS. XXXX PAYS XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX USAA STEALS AS REVERSED CREDITS NEVER MADE PERMANET HIDING THEM INTERNALLY ) ( ** USAA ARE THIEVES PER STATEMENTS NO USAA PERMANET CREDITS HAVE EVER APPLIED AND OVER {$4000.00} ARE REVERSED??? NO EXPLANATIONS PROVIDED OF FRAUDS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Yes I file a Frad case on my credit card with usaa but now they are trying to call me and leave me a voice mail that i could barely understand, not sure what the calling is about but it's stressing me out since i work 2 jobs and once i got the voice mail i could barely clearly hear anything, i think it would be more understanding if i gotten a letter in the mail instead to be more save.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89122
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I want to thank you for the opportunity to submit this information as I continue my next steps in regards to my home.. I want to ensure this was reported in case others are going through this. I was not aware of this bureau until two weeks ago. I am a service connected Veteran who purchased a VA home loan through USAA a few years ago.I love USAA. I never had any issues with USAA if I did, they were always helpful in resolving them. Ive been a member since XXXX if I can recall. XXXX I received a notice from USAA that XXXX XXXX XXXX a subservicer of USAA was transferring the servicing of my mortgage loan to a new subservicer XXXX effective. I never knew XXXX was a subservicer of my loan, I've never received any documentation on XXXX or statements. Once the loan was serviced by XXXX I noticed a lot of changes to include escrow statements and I was not happy with their practices even when I questioned my escrow account statements. XXXX I had setbacks and I was recovering from a lot of major changes and unexpected circumstances from the prior year and I was working to get things back on track. In the midst of all of this I applied to several jobs and started working, however the income was nothing compared to what I used to make. XXXX Refusal to accept Mortgage Payments I was behind on my mortgage 60 days as my income was adjusting. I was sent a notice of being behind from XXXX Subservicer of USAA in addition to a statement of late fees recurring. I was advised I had until XX/XX/XXXX to bring my mortgage current. At that time my mortgage was {$1000.00} per month and I was behind two months. I also received additional letters from XXXX Servicer of USAA advising me that my home will be set for foreclosure by XXXX XXXX in XXXX, if I did not bring my account current. I went online to USAA.com to pay my past due mortgage as I've always done. I was able to login to all of my USAA accounts except my Mortgage account. I called tech support as I thought there was something wrong with my overall login. Tech Support informed me there are no blocks on logging into USAA and I should check with the mortgage company the next day. since were closed since I called in the evening I called XXXX and I was informed that I was not allowed to make any payments online and I was blocked from making payments and my account is set for foreclosure. This is what led me to where I am today unfortunately. I asked the representative how I could bring my account current if I am unable to make a payment online or even over the phone. I was denied. I did not receive any notice stating I would be blocked from making online or over the phone payments. I have made online payments or over the phone payments for years at this time. I even informed them that the notification stated I had until XX/XX/XXXX. I was not allowed to make any payments online, and was completely blocked from my account. I could only view. I called XXXX XXXX constantly and they also called asking for payments. I always stated how am I supposed to pay? In addition if I have the money to pay, I do not know how to pay if I am being blocked. This back and forth went on for quite some time. I was appalled and very frustrated. Refusal of requests for Loan Modification A month or so went by and my past due increased in addition to lawyer fees piled up. I still could not make a payment online or wasn't advised where my payments could be sent to. By this time I was at {$6000.00} to include lawyer fees for 3 months. I received a statement packet in the mail. In the statement packet I was sent an Uniformed Borrower Assistance Package. I applied and requested for forbearance or loan modification. The first application I was denied. I contacted my local HUD office since I was unfamiliar with the overall process. I was advised to speak to loss mitigation. HUD spoke on my behalf and I was able to apply to get a loan modification as at that time I had a roommate and I am foreign to these documents or process and I did not know I could include them in the initial application. The Veterans Administration was also involved throughout. I applied numerous times for a loan modification and was constantly denied. The denial reason was always the same. I appealed every time except the last application.Each time even in less than 30 days my credit was pulled. After the denial I had no other choice but to file bankruptcy to save my home. Forbearance Plan, Affordable Modification, & Standard Modification all denied each time due to their response below. Due to excessive obligations, we are unable to offer you a modification plan because we are unable to create an affordable payment without changing the terms of your loan beyond the requirements of the program I could not understand why I constantly kept getting denied. I know I was able to afford a loan modification. In addition I informed XXXX that I was going to be receiving extra income soon with one of the jobs I applied for in XXXX. I was still denied all except the options to sell my home which I do not want to do or go into foreclosure. The Veteran Administration intervened and assisted tremendously. I can not thank them enough. I was in a situation I never wanted to be in, but life happened for me. I have plenty of emails and conversations with the Veteran Administration, myself and XXXX aka XXXX XXXX. I did not know XXXX was XXXX XXXX until the emails back and forth from the member specialist and the Veteran Administration listed as XXXX XXXX. Bankruptcy & Deductions of Reinstatement Amount I filed Bankruptcy I never wanted to file bankruptcy but XXXX did not give me any choice.. In less than 30 days of filing bankruptcy, I paid a total of {$3000.00} to include the first mortgage payment after filing bankruptcy, filing fee and bankruptcy payment. The total lawyer fee was {$5000.00} which was paid in 90 days. My bankruptcy payments were high, almost {$2000.00} each month in addition to my regular bills. I could not understand how I was able to file bankruptcy and not receive an affordable loan modification from XXXX subservicer of USAA.. During this time I received a statement that my mortgage payment increased from {$960.00} to {$960.00}. ESCROW TAXES & INSURANCE ACCOUNT In filing bankruptcy the lawyer questioned the total amount that was past due at filing per XXXX The amount past due per XXXX was {$3300.00} less than my last statement from XXXX prior to filing bankruptcy. The lawyer asked me where the payment come from and did I pay that? I advised I did not know. Did XXXX used my escrow to pay off part of my reinstatement balance prior to filing bankruptcy?. XXXX also Falsified documents and stated prior to filing the total amount was {$19000.00} which is incorrect. This is also listed on the notice of default to courts which is incorrect. My recent Escrow & Interests Statement received XX/XX/XXXX indicates my current mortgage is {$1000.00} which is incorrect. I did not receive any statement that my payment changed from {$960.00} to {$1000.00} My home insurance is not paid through my mortgage payment. I pay this monthly on my own. Where is this insurance money going to? XXXX Improper allocation of mortgage payments during bankruptcy to purposely attempt to foreclose and put me in default. I received my first informational statement after making my first mortgage payment during bankruptcy as the next month was due in a few weeks. I called XXXX subservicer of USAA and quickly questioned why my current mortgage payments were listed as unapplied and partial payments. XXXX Subservicer of USAA advised me that all of my current payments that will be made will be going to my past due payments, not current mortgage. I argued that this was incorrect as I pay the trustee my past due payments during my bankruptcy. Any payments that I make directly should be going to my current mortgage so I will not be in default. I requested a corrected statement that states applied.. I never received a corrected statement. I contacted my attorney to advise and sent them the information of my first payment. I informed I will not pay twice to past due, as this would cause me to be in default and in more debt. I will not pay until it is corrected and statement indicating my payments made directly will go to current not past due which is in bankruptcy. XXXX subservicer of USAA filed a notice of default and wanted to foreclose on my home as I suspected they would. My lawyers intervened and both parties agreed that I would pay on top of my current mortgage during bankruptcy an additional amount each month following the next month for the past due. This still was not resolved. This was becoming expensive at the fault of XXXX and I was consistently getting in more debt. I paid my first payment again and the statement was still not corrected. It still listed unapplied and partial. I made my second payment which was split as the additional funds for me came later in the month to pay the additional agreed amount. I paid for two months after the agreement with one late fee. I met with an attorney to go over my income so far during bankruptcy. .My income increased for about 4 weeks from one of my income sources and I also lost income as my car needed repairs. I informed my lawyer and expected this information to be relayed to the trustee ; it was not, the lawyer only reported increases from one source of income, which was not permanent, not overall income changes.. Due to XXXX falsely filing a default letter I did not get an opportunity to go over my changed income in court. Bankruptcy was becoming expensive. I spoke with one of the attorneys who advised me to let my case be dismissed and start over with this new information. I argued that it would be another {$5000.00} for me to pay when they could resolve this now and report the correct information to the Trustee and judge and lower my bankruptcy payments. In order to assist me further, they wanted more money. I refused. My Bankruptcy case was dismissed. They asked me to retain them again, I refused. In less than a year Ive paid a total of {$11000.00} to bankruptcy and lawyer fees alone not including my other bills to live. All of this could have gone to my mortgage, but XXXX constantly denied my loan modification and refused to approve my loan modification and correct the total amount due and refused to apply my payments made to my mortgage. This is causing hardship and prejudice to constantly continue to go through this no matter what I do just to manufacture reasons to foreclose on my home. These are deliberately unfair practices. This is also preventing me from getting other opportunities in reference to mortgage assistance which is harmful to my stability. XXXX Misleading, Falsifying information, payments court documents, and deceptive practices to attempt to foreclose on my home. During bankruptcy XXXX Subservicer filed a notice of default indicating I did not make my first payment after the agreement between XXXX and my attorney. I sent my attorney at the time my bank statements of my payments to prove that I paid as XXXX reported that I did not pay which I did. XXXX argued that they will not accept partial payments. Two months later I received a letter from XXXX indicating that funds I paid to my mortgage account prior are in an unapplied account and that I need to pay a total past due of {$24000.00} to reinstate my loan by the 35th day from the notice or my house will go to foreclosure There is a next payment due date of XXXX on this noticed which is completely incorrect. This also includes almost {$7000.00} in fees. This is deceptive practices by choosing to once again not accept my payments even in bankruptcy and allocate my funds to another account to list me in default.
Company Response:
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2020-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-10
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 list UNAUTHORIZED TRANSACTIONS REPORT OF XXXX & XX/XX/XXXX. See attatched USAA FRAUD CLAIM DATE XX/XX/XXXX dated XX/XX/XXXX. The UNAUTHORIZED TRANSACTIONS WERE SUPPOSED TO BE THE {$470.00} UNAUTHORIZED TRANSACTIONS OF XX/XX/XXXX ** TO PROOVE XXXX XXXX {$120.00} IS NOT INCLUDED IN THE {$470.00} I REPORTED FRAUD XX/XX/XXXX. USAA KEEPS SLANDERING MY GOOD NAME CONFIRMING XXXX XXXX ( a returned item ) WAS INCLUDED IN FRAUD REPORTED XX/XX/XXXX. USAA PLEASE PROVIDE A LIST OF THE UNAUTHORIZED TRANSACTIONS TOTALS {$470.00} I REPORTED FRAUD. As requested. TO CONFIRM XXXX XXXX IS NOT INCLUDED IN FRAUD REPORTED BY ME XX/XX/XXXX. Also please provide XX/XX/XXXX REPORTED UNAUTHORIED TRANSACTIONS AND WRITTEN PROOF OF DELIVERY INTO MY HANDS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-10
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 I JUST recieved see attatched FROM USAA SENT XX/XX/XXXX WEB SERVICE. Better late than never. This is two years late. USAA IS NOT WEB ADA ACCESSIBLE. see enclosed UNAUTHORIZED TRANSACTIONS of XX/XX/XXXX & XX/XX/XXXX. Kindly Note the circled transactions * $ XXXX XXXX XXXX XXXX * XXXX XXXX those with stars PAID BY MERCHANTS XX/XX/XXXX. NO TEMP CREDIT IS NEEDED. THE TEMP CREDIT ** {$28.00} IS NEVER MADE PERMANET YET IS REVERSED PAID XX/XX/XXXX. BY MERCHANT AND REVERSED BY USAA {$28.00} XX/XX/XXXX INTO A PERMANET NEW CHARGE. ( (? ** USAA STEALS MERCHANTS CREDITS JUST PAID.?? ) all with stars paid XX/XX/XXXX The other two were paid by merchant see attatched XX/XX/XXXX statement. ( USAA ARE CRIMINALS STEALING ALL MERCHANTS CREDITS ** PRETENDING CONSUMERS GOT 2 CREDITS FOR ONE PURCHASE ) SO USAA TAKES BACK WHAT THEY NEVER GAVE OR MADE PERMANET SAME DAY MERCHANTS PAY OR FEW DAYS LATER. Also see attatched CRIMINAL INVESTIGATION LETTER USPS DELIVERIES NOT MADE Provide WRITTEN DOCUMENTATION THESE TRANSACTION WERE PURCHASED BY ME AND WRITTEN DOCUMENTATION TO VERIFY DELIVERED INTO MY HANDS. USAA NEEDS TO BE CHARGED. THIS IS A CRIME. USAA STEALS MERCHANT CREDITS HIDING INTERNALLY. USAA LEAVES CONSUMERS LIABLE FOR FRAUDS. USAA DOCUMENTS. INTERNAL CREDITS XXXX {$470.00} + XX/XX/XXXX {$700.00}. OTHER CREDITS + XX/XX/XXXX {$2.00}, XXXX. ( = TOTALS OF {$3.00}, XXXX ** SHOW ME WRITTEN PROOF OF USAA INTERNAL HIDDEN PERMANET CREDITS. AND WRITTEN PROOF OF DELIVERY INTO MY HANDS. ) TRUTH IN LENDING NOT HERE.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In response to your answers dated ; XX/XX/XXXX, and XX/XX/XXXX. USAA stated that you followed 31 CFR 212.4 ( b ) to garnish/ levy . USSA responded that it had received a notice to levy Dated XX/XX/XXXX and was applying 31 CFR 212.4 ( b ) as a means of following the Florida Department of Revenues ( FDR ) request for action. USAA stated XX/XX/XXXX : It is important to note that both documents contained a Notice of Right to Garnish statement, which made your VA XXXX funds eligible to pay the owed child support. According to 31 CFR 212.4 ( b ), Initial action upon receipt of a garnishment order. ( b ) Notice of Right to Garnish Federal Benefits is attached to or included with the order. If a Notice of Right to Garnish Federal Benefits is attached to or included with the garnishment order, then the financial institution shall follow its otherwise customary procedures for handling the order and shall not follow the procedures in 212.5 and 212.6. Additionally, according to the Depository Agreement and Disclosures, which governs FSB deposit accounts, Any garnishment, attachment or other levy against an account is subject to FSBs right of setoff and any security interest FSB has in the account. You agree that FSB may, without prior notice or demand, apply or setoff the funds in your account ( and accounts you own with others ) at any time to pay any debt, whether direct or indirect, that you have with FSB, and/or any fees or service charges owed to FSB. You expressly agree that such rights extend to any Federal or state benefit payments ( including without limitation Social Security benefits ) electronically deposited into your account. USAAs depository clearly states : Setoff and Security Interest You agree that FSB may, without prior notice or demand, apply or setoff the funds in your account ( and accounts you own with others ) at any time to pay any debt, whether direct or indirect, that you have with FSB, and/or any fees or service charges owed to FSB. In addition to its rights under the law ( called setoff ), you grant FSB a security interest in each account to secure such debt, as it may arise. This provision does not apply if the debt is created under any consumer credit plan accessed by a credit card. FSB is not liable to you for dishonoring items where withdrawals described in this section result in insufficient funds in your account. To the extent permitted by law, FSB may, in its sole discretion, setoff funds from any new account you open to pay any debt, whether direct or indirect, that you have with FSB, and/or any fees or service charges owed to FSB. You expressly agree that such rights extend to any Federal or state benefit payments ( including without limitation Social Security benefits ) electronically deposited into your account. You understand and agree that if you do not want your benefits applied in this way, you may change your direct deposit instructions to the benefits payor at any time. While the depository agreement states, rights under the law, and to the extent permitted by law. Im going to refer to 31 CFR 212 which both USAA and I agree governs this matter. ( called the law ). 212.4 Initial action upon receipt of a garnishment order. ( a ) Examination of order for Notice of Right to Garnish Federal Benefits. Prior to taking any other action related to a garnishment order issued against a debtor, and no later than two business days following receipt of the order, a financial institution shall examine the order to determine if the United States or a State child support enforcement agency has attached or included a Notice of Right to Garnish Federal Benefits, as set forth in Appendix B to this part. ( b ) Notice of Right to Garnish Federal Benefits is attached to or included with the order. If a Notice of Right to Garnish Federal Benefits is attached to or included with the garnishment order, then the financial institution shall follow its otherwise customary procedures for handling the order and shall not follow the procedures in 212.5 and 212.6. ( c ) No Notice of Right to Garnish Federal Benefits. If a Notice of Right to Garnish Federal Benefits is not attached to or included with the garnishment order, then the financial institution shall follow the procedures in 212.5 and 212.6. To date I have not received a copy of the Notice of Right to Garnish Federal Benefits. I have requested this multiple times, by phone and in writing. Again, I am requesting a copy of this document. Therefore, it is critical ; FDR issued a levy that according to USAAs responses dated XX/XX/XXXX and XX/XX/XXXX that was to stay in effect for 60 days. If they had truly issued this order with a Notice of Right to Garnish Federal Benefits. Im sure their legal team would be aware that under 31 CFR 212.6 states : 212.6 Rules and procedures to protect benefits. The following provisions apply if an account review shows that a benefit agency deposited a benefit payment into an account during the lookback period. ( a ) Protected amount. The financial institution shall immediately calculate and establish the protected amount for an account. The financial institution shall ensure that the account holder has full and customary access to the protected amount, which the financial institution shall not freeze in response to the garnishment order. An account holder shall have no requirement to assert any right of garnishment exemption prior to accessing the protected amount in the account. ( b ) Separate protected amounts. The financial institution shall calculate and establish the protected amount separately for each account in the name of an account holder, consistent with the requirements in 212.5 ( f ) to conduct distinct account reviews. ( c ) No challenge of protection. A protected amount calculated and established by a financial institution pursuant to this section shall be conclusively considered to be exempt from garnishment under law. ( d ) Funds in excess of the protected amount. For any funds in an account in excess of the protected amount, the financial institution shall follow its otherwise customary procedures for handling garnishment orders, including the freezing of funds, but consistent with paragraphs ( f ) and ( g ) of this section. ( e ) Notice. The financial institution shall issue a notice to the account holder named in the garnishment order, in accordance with 212.7. ( f ) One-time account review process. The financial institution shall perform the account review only one time upon the first service of a given garnishment order. The financial institution shall not repeat the account review or take any other action related to the order if the same order is subsequently served again upon the financial institution. If the financial institution is subsequently served a new or different garnishment order against the same account holder, the financial institution shall perform a separate and new account review. ( g ) No continuing or periodic garnishment responsibilities. The financial institution shall not continually garnish amounts deposited or credited to the account following the date of account review, and shall take no action to freeze any funds subsequently deposited or credited, unless the institution is served with a new or different garnishment order, consistent with the requirements of this part. ( h ) Impermissible garnishment fee. The financial institution may not charge or collect a garnishment fee against a protected amount. The financial institution may charge or collect a garnishment fee up to five business days after the account review if funds other than a benefit payment are deposited to the account within this period, provided that the fee may not exceed the amount of the non-benefit deposited funds. [ 76 FR 9955, XX/XX/XXXX, as amended at 78 FR 32109, XX/XX/XXXX ] To Sum This All Up : A. USAA Received a notice of Levy XX/XX/XXXX that was to stay in effect for 60 days. B. XXXX XXXX the required review was done. Which went back to XX/XX/XXXX. C. XX/XX/XXXX Department of Veterans Affairs direct deposits Compensation XXXX payment of {$6100.00}. Twenty-two days after the review was completed. XXXX. XX/XX/XXXX FDR submits to USAA a release of funds letter. E. XX/XX/XXXX USAA releases my funds deposited F. XX/XX/XXXX USAA freezes my funds again. CSRs state they received another levy notice. I have never received any such notice. G. XX/XX/XXXX USAA issues check to FDR in amount of {$5500.00}. Discrepancies : A. Levy staying in effect for 60 days. Violates 31 CFR 212. B. Review completed XX/XX/XXXX. 31 CFR 212.6 ( f ) states one-time review. C. 31 CFR 212.6 ( g ) states that No continuing or periodic garnishment responsibilities. The financial institution shall not continually garnish amounts deposited or credited to the account following the date of account review, and shall take no action to freeze any funds subsequently deposited or credited, unless the institution is served with a new or different garnishment order, consistent with the requirements of this part. D. Freezing deposit on XX/XX/XXXX would constitute a Violation of 31 CFR 212.6 by continuing to garnish/ levy funds 22 days after account review. E. XX/XX/XXXX funds were cleared by release letter dated XX/XX/XXXX from FDR. Who recognized that they had no right to funds deposited under 38 U.S.C 5301. they had not petitioned the VA to attach benefits. F. Refreezing funds in my account XX/XX/XXXX. Violates 31 CFR 212, 38 U.S.C 5301, without receiving a new order of garnishment. G. Issuing a check to FDR on XX/XX/XXXX Violates 31 CFR 212, 38 U.S.C 5301. H. USAA Depository Agreement refers to actions taken under Federal laws, which I clearly has violated with the handling of this
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-09
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: Attatched USAA FRAUD letter XX/XX/XXXX CREDITS FRAUD CLAIM DATE XX/XX/XXXX {$470.00} attatched statement of XX/XX/XXXX ONLY CREDITS FROM MERCHANTS. attatched XX/XX/XXXX statement confirms {$700.00} OTHER **INTERNAL CREDITS. attatched XXXX XXXX OTHER I** NTERNAL CREDITS OF {$2.00}, XXXX = {$3.00}, XXXX. SHOW PROOF USAA PERMANET CREDITS {$3.00}, XXXX EVER LOWERED THE BALANCE. XXXX Please Provide WRITTEN PROOF OF EACH PURCHASE AND WRITTEN PROOF THAT ALL DELIVERIES WERE DELIVERED INTO MY HANDS. Kindly Note ( USPS ) DELIVERIES UNDER CRIMINAL INVESTIGATION. case DOCUMENTATION PROVIDED.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-09
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: XXXX Alerts. 2FA VERIFICATION CODES ARE REROUTED TO CRIMINALS PHONE NUMBERS. Android Cell Phones NEW MALWARE DISCOVERED. I HAVE ALERTED USAA TO NO AVAIL. Also my XXXX XXXX XXXX XXXX PHONE has XXXX malware news reports.XXXX REPORTS SERIOUS DATA BREACH 2Xs in 4 months USING 2 FA VERIFICATION CODES.??? USAA CONTINUES TO USE. USAA RECENTLY WAS BREACHED AGAIN. I have FCC complaints filed against XXXX XXXX XXXX. USAA continues to use 2 FA codes No Avail to my complaints??? Sounds like security issue.???
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A