Date Received: 2020-03-07
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: USAA is not providing a way for consumers to close their credit card accounts. I tried unsuccessfully via their app, website, chat, secured message and via phone at XXXX. Even after calling on the phone, the phone representative told me she could not cancel the account and the team that could was unavailable. She would not provide me a direct number to that account.
Company Response:
State: FL
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: 2020-03-07
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AK
Zip: 99577
Submitted Via: Web
Date Sent: 2020-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-07
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 mail pertaining to XX/XX/XXXX - XX/XX/XXXX from usaa Please note ftc.gov article web : 1 ) Have you ever been billed for merchandise you either returned or NEVER RECIEVED? response YES see attatched Criminal Investigation Letter USPS ( local post office ) dated XX/XX/XXXX. 2 ) Has card ever been charged twice for the Same Item? response. YES statement XX/XX/XXXX PURCHASES ARE ALSO ON statement XX/XX/XXXX {$340.00} & {$210.00} SAME PURCHASES OF XX/XX/XXXX RETURNED ITEMS and XX/XX/XXXX XXXX ARE THE SAME PURCHASES AS XX/XX/XXXX {$470.00} I REPORTED UNAUTHORIZED XX/XX/XXXX. Kindly Note ftc.gov web FCBA Apply FOR EXAMPLE : : : A ) Unauthorized Transactions. USAA FRAUD LETTER XX/XX/XXXX CONFIRMS UNAUTHORIZED {$470.00} XX/XX/XXXX CLAIM DATE. B ) Charges for which you ask for an explaination OR ** WRITTEN PROOF OF PURCHASE ALONG WITH REQUEST. I have been requesting written proof ** SIGNATURE ITEM WAS DELIVERED INTO MY HANDS. Deliveries delivered by USPS NOT DELIVERED in that zip XX/XX/XXXX forward because they would not fit in my 2 inch letter mail box AND WERE NOT DELIVERED INTO MY HANDS. Some found outside common ground some XXXX Not Accepted or OPENED. Many were not even ordered by me. See attatched FTC ID THEFT case XX/XX/XXXX. USAA DOES NOT FOLLOW FTC GUIDELINES ALL OF THIS IS TWO ( 2 ) YEARS LATE. Still NO RESOLVE. KINDLY NOTE THE ID THEFT REPORT. I AM XXXX. I WILL NOT BE ABLE TO FILL OUT THESE FORMS. USAA IS, and NEVER HAS PROVIDED XXXX XXXX OPTION FOR MY XXXX. I HAVE NO ACCESS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-06
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/2018 statement. Kindly Note the page with Adjustment Purchases. XX/XX/2018 Begin temporary credits to begin a fraud investigation I never reported fraud. Note front page Merchants Credits for this period. XXXX XXXX XXXX XXXX XXXX XXXX ARE ALL TOTAL CREDITS APPLIED {$450.00} This includes my payment {$77.00} ** Note how Adjustment Purchases that begin XXXX starting with the first one {$49.00} ( - ) WITH CUTE LITTLE SUBTRATION SIGN. All amounts listed After the $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX = {$320.00} ARE NEVER PART OF TOTAL CREDITS APPLIED THIS PERIOD {$450.00} AT THE BOTTOM USSA LISTS THEM FRAUDING CONSUMERS INTO BELIEVING 2 CREDITS FROM ONE PURCHASE TO REVERSING MERCHANTS CREDITS CLAIMING THEY ARE USAA CREDITS AND ***LOOKING LIKE THEY TOTAL AT THE BOTTOM AS ALL ACCOUNTING DOES XXXX ARE NOT INCLUDED IN THE TOTAL AT THE BOTTOM AS ALL ACCOUNTING DOES.?? DECEPTION PLUS USAA.??? CRIMINAL ACTIVITY AT USAA AGAIN.?? Also note the REVERSED CREDITS of {$28.00} XXXX XXXX XXXX XXXX XXXX ARE ALL THE TOTAL CREDITS for that period AND THEY WERE JUST PAID BY MERCHANTS. When were all these reported as fraud? ** Why are there beginning fraud investigations of already paid transactions???? ** Why WAS CREDIT NEVER MADE PERMANET REVERSED STEALING MERCHANTS CREDITS JUST PAID? Note the Reversed credits of {$9.00} & {$26.00} WERE PAID BY MERCHANTS THE MONTH PREVIOUS. KINDLY NOTE USAA CRIMINAL ACTIVITY places temporary credits to begin an investigation NEVER DONE to place WHAT LOOKS ** LOOKS LKE USAA CREDITS BUT WERE NEVER APPLIED they even have minus ( - ) signs MADE TO APPEAR THEY ARE INCLUDED IN THE TOTAL CREDITS FOR THIS PERIOD AT THE BOTTOM OF ALL AMOUNTS OF CREDTS ** BUT ARE NOT INCLUDED IN TOTAL CREDITS APPLIED FOR THIS PERIOD???. There are {$320.00} temp credits *** USAA USES TO PLACE PERMANET NEW CHARGES STEALING MERCHANTS CREDITS. HOW DECEPTIVE?? LOOK AT HOW LISTED CREDITS ABOVE TOTAL LINE ( ADJUSTMENT PURCHASES WITH A MINUS SIGN ) ** ARE NOT TOTALLED AT THE BOTTOM BUT ARE REVERSED?? USAA FABROCATED FRAUD to place WHAT LOOKS LIKE USAA CREDIT TO CONSUMERS SO THEY CAN STEAL MERCHANTS CREDITS. REALLY USAA? USAA ARE CRIMINALS. I STILL HAVE NOT RECIEVED ANY PERMANET USAA CREDITS AND IT IS TWO YEARS LATER. CRIMINALS NEED TO BE PUNISHED. HOW MANY OTHER CONSUMERS HAVE USAA FOOLED?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: Starting the XX/XX/2016, I fell victim to a fraudulent Binary Options companies named XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( the Companies ). Money was transferred from my account to the Company via credit card for a total amount of XXXX USD utilizing USAA services.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NM
Zip: 87111
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-06
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. XXXX SENT XX/XX/XXXX {$200.00} & {$280.00} TO COVER MERCHANTS NOT DELIVERED ITEMS. ( XX/XX/XXXX BOTH THESE ARE NEW CHARGES. ) ** XX/XX/XXXX TOTAL CREDITS APPLIED THIS PERIOD ARE {$910.00} ALL CREDITS ARE PERMANET FROM MERCHANTS. USAA REVERSES MERCHANTS CREDITS NEVER PROVIDING PERMANET USAA CREDITS APPLIED TO BALANCE AND USAA STEALS THE MERCHANTS CREDITS CLAIMING THEY ARE USAA CREDITS. USAA FABROCATES FRAUD PLACING TEMPORARY CREDITS TO BEGIN AN INVESTIGATION XX/XX/XXXXXX/XX/XXXX ** AFTER MERCHANT PAYS XX/XX/XXXX {$200.00} & {$280.00} MERCHANT CREDITS STOLEN AFTER MERCHANTS PAID FOR UNEARNED INCOME TO STEAL MERCHANTS CREDITS AS THEIR OWN. SEE TRUTH ON STATEMENT 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: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-04
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Misleading over the conversion of a mortgage in New York State. At the very end of the conversation a point fee went up from {$400.00} to {$3400.00}. I was a die hard USAA member. Brutal experience
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 12309
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-04
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I received the information from a USAA banking customer service representative that my online access had been suspended and that my 3 personal accounts and 3 joint accounts with my husband were being closed as on XX/XX/2020. There was no explanation as to why this was happening only that the " powers at be '' made the decision and there was nothing that could be done. I asked to speak with a supervisor and received a call back 3-4 days later. I was told the exact same thing and given an address that I could send a Dispute letter to. I asked to speak with his supervisor or someone that could give me some answers as to why and how this decision was made. He said he would leave a message. I mailed the dispute letter off and my husband posted a complaint on social media how I and my family were being treated with he being a USAA member for 24 years and I having been a member for 7 years. This decision does not only affect my accounts but it also affects my husbands business with USAA as well. We were model, loyal customers that pay tens of thousands of dollars/year in insurance premiums for personal and business, we have loans and multiple accounts, including our children 's accounts. We have never been late on any payment, have never overdrawn our accounts and have always been in good standing with USAA. I received a call on XX/XX/XXXX from an executive dept representative confirming that they had received my letter and my husbands complaint and that they were standing by their decision to close my/our accounts and still would give me no reason and stated that they did not have to. I was never asked one question about anything and I have been told that banks usually only take an extreme measure such as this when major fraud or breaking the law has occurred. I assured them that I have never committed any such act and felt that this " investigation '' was a farce and I am the victim in all of this and would like someone to stand up for me and help resolve this issue. I have done nothing to warrant a decision such as this and it has completely disrupted my family and our belief in a company that claims to be available, accessible and supportive to their military members.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OK
Zip: 73703
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-04
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Friday I asked the bank to transfer XXXX The bank XXXX ties to pull XXXX instead. XXXX bounced and then they stole the XXXX When I called last night they told me they sent it back just now to the external bank and I didnt tell them to. My bank has an employee who has been doing evil things with my account. They turned my debit card off while I was at the airport on purpose last week. And this week they sent my funds back after being caught stealing them and putting my account in the negative. When I called they claimed they just sent it back when I tried to renew my hotel stay. But if they sent it back my account should not be in the negative for what was sent back. They told me this on the phone as they tried to skate around getting caught stealing XXXX. By pulling XXXX then stealing XXXX by claiming XXXX returned when I never asked for XXXX to be transferred. They claimed they sent it back but my account was in the negative XXXX ( XXXX. ) available. They stole my money then transferred more than I asked. Then sent what I actually asked for back. And then left my bank erroneously in the negative as they them stole funds that they never received after making my account negative by mistake. They got caught stealing then tampering then stealing something they claim they sent back AFTER I called last night.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-04
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Usaa made several errors on my account when instructed to make a scheduled transfer of XXXX. They instead tried to pull XXXX Thereby holding XXXX for not being there And stealing XXXX in return fees which was actually my transfer. This means they stole my original transfer of XXXX and evaded paying it back as they chalked it up to return fees for a false number XXXX. I called and they claimed they just sent it back to my external account but they did not. Its not there. However they left a XXXX negative balance. On the form it says ( XXXX ) XXXX. There errors show on the bank report and reflect irresponsible behaviors.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A