Date Received: 2020-03-04
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I asked for a XXXX transfer The bank asked for. XXXX and a XXXX And stole the XXXX Claiming it was due to return fees for the XXXX When I only asked to pull XXXX They thereby stole my XXXX
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: Funds not handled or disbursed as instructed
Consumer Complaint: I asked my bank to transfer XXXX Then the next day XXXX Then they began holding my transfers for 3 days at a time. I then transferred XXXX they held it as well. I transferred it from an external account ending in XXXX. My external account showed they never pulled anything out. It had the full balance of XXXX I then waited 5 days. Upon returning they stole the funds transfer As the result of XXXX it up You dont charge XXXX after never transferring the money Then when I re did it they stole the money.
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: 2020-03-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently filed a report with XXXX, XXXX, and XXXX of inaccurate items being reported on my credit reports. XXXX removed the above mentioned item once an FTC Report and documents to verify my identity were sent. XXXX & XXXX did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2020-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: USAA does not follow FTC guidelines and Collects on ID Theft reported to them.See attatched Experian Report. USAA notifys them THEY DO NOT KNOW FRAUDLENT CHARGES WERE MADE AND THAT I NEED TO CONTACT THEM. * THIS IS INACCURATE REPORTING. USAA HAS KNOWLEDGE OF FRAUDLENT CHARGES see attatched letter FRAUD CLAIM DATE XX/XX/XXXX UNAUTHORIZED TRANSACTIONS DID OCCUR. see attatched ID THEFT REPORT USAA has recieved. FTC. gov web States : FCBA settlement procedures INCLUDE : 1 ) Unauthorized Charges see FRAUD CLAIM OF XX/XX/XXXX UNAUTHORIZED CHARGES OCCURRED 2 ) Charges list wrong date Credit Reversals Charges list wrong new purchase date ( CLEARLY NOT NEW PURCHASES ) 3 ) Charges for goods or services you did not accept or that were not delivered timely see attatched Criminal Investigation Letter NO Deliveries in that zip area under investigation. 4 ) Failure to post credits 5 ) Charges for which you ask for explanantion OR WRITTEN PROOF OF PURCHASE. I have had all 5 of these occur on my account from XX/XX/XXXX to XX/XX/XXXX USAA DOES NOT FOLLOW FTC GUIDELINES see attatched FTC statutes of REQUIREMENT OF USAA. UNDER DUTIES WHEN ID THEFT OCCURS. USAA DOES NOT FOLLOW THESE STATUTES USAA COLLECTS ON ID THEFT DESTROYS CONSUMERS CREDITS WITH FALSE REPORTS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-02
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 Called requested to speak with THE ONE AND ONLY DEPARTMENT that can resolve ID theft FRAUD. I have been trying to resolve since XX/XX/XXXX TO NO AVAIL. USAA BLOCKS contact with. Only department that has the power to RESOLVE FRAUD. The USAA reps customer service CAN NOT CONTACT EXECUTIVE RESOLUTION TEAM to relay my issues. This department REQUIRES DEEP SECURITY WITH TEXT VERIFICATION CODES MY XXXX XXXX CAN NOT DO. I must have a stranger or a neighbor I find outside that HAS NOT LEFT FOR WORK YET pay them to write down text codes so I can get verified. THIS ONE ONLY DEPARTMENT IS NOT OPEN WHEN OTHER PEOPLE NOT AT WORK. ( ** ALL USAA DEPARTMENTS NEED TO T A L K ... .. to .... EACH OTHER. ) USAA PLAYS CONSUMERS BLOCKING CORRECT DEPARTMENT RESOLVE. I have relived IDTheft to reps THAT HAVE NO POWER and who do not send my message to the department for 2 years now XXXX XXXX and XXXX XXXX XXXX. PLEASE USAA STOP THIS UNFAIR BUSINESS PRACTICE TO SAVE PROFIT DENYING. FRAUD CLAIMS with No Contact to ONE ONLY DEPATMENT OF RESOLVE. SPEAKING TO THE ONLY USAA REP AVAILABLE SHOULD BE SUFFICENT TO. HASSELFREE RESOLVE OF FRAUD.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-01
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 statements XX/XX/XXXX & XX/XX/XXXX. USAA SAME DAY FRAUD INVESTIGATIONS END COMPLETE THE SAME DAY THE INVESTIGATION IS BEGUN. .Investigations can NOT be Accurate or are Not done at all. ALL TEMPORARY CREDITS to begin an investigation BECOME NEW CHARGES the SAME DAY BEGUN. Many are paid by merchants BEFORE TEMP INVESTIGATION CREDIT.This temp credit Not made permanet IS NOW A NEW CHARGE. XXXX Beginning Fraud Same Day Credits XXXX XXXX XXXX XXXX XXXX XXXX = {$160.00} TOTAL CREDITS for this period {$450.00} are from merchants and my payment NONE ARE USAA CREDITS?? Of the SAME DAY FRAUD INVESTIGATION TEMP CREDITS PAID BY MERCHANTS are XXXX XXXX XXXX XXXX XXXX XXXX = {$160.00} NO USAA CREDIT IS NEEDED or provided. MERCHANTS COVERED FRAUD but XXXX XXXX XXXX XXXX XXXX XXXX ARE NOW NEW PURCHASES I DID NOT PURCHASE A SECOND TIME.??? XX/XX/XXXX SAME DAY TEMPORARY FRAUD CREDITS to begin INVESTIGATIONS are XXXX XXXX are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAID BY MERCHANTS {$280.00} NOW A NEW CHARGE XXXX XXXX XXXX XXXX XXXX ALL PAID BY MERCHANTS DURING THAT PERIOD AND NOW ARE NEW CHARGES same day AFTER MERCHANTS PAID TO COVER FRAUD???. TOTAL CREDITS for this period are {$910.00} ALL ARE FROM MERCHANTS NO USAA PERMANET CREDITS TO REVERSE.??? USAA COMPLETES FRAUD INVESTIGATIONS THE SAME DAY THEY BEGIN.??? NO Accurate INVESTIGATIONS ARE DONE BY USAA. NO USAA PERMANET CREDITS ONLY MERCHANTS CREDITS???
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-29
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 refuses to send fraud reports of {$1.00}, XXXX UNRESOLVED FRAUD on my accounts. See attatched FRAUD LETTER XX/XX/XXXX {$470.00} fraud claim date XX/XX/XXXX. Ten months AFTER fraud of {$470.00} until investigation is complete and temporary credits now become permanet. ( ** How do permanet credits apply to the balance of XX/XX/XXXX which was {$470.00} CALCULATED TEN MONTHS PRIOR? ) XXXX XXXX {$120.00} & XXXX {$210.00} ARE NOT INCLUDED IN THE {$470.00}. These transactions I reported UNAUTHORIZED that TOTAL the {$470.00} are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} The XXXX XXXX {$120.00} & The XXXX {$210.00} ARE * NOT INCLUDED IN FRAUD I REPORTED XX/XX/XXXX. XXXX attatched XX/XX/XXXX statement XXXX {$170.00} XXXX {$170.00} XXXX {$340.00} USAA began fraud investigations XX/XX/XXXX, XXXX attatched XX/XX/XXXX statement. See attatched Fraud Letter of XX/XX/XXXX {$12.00} & Fraud Letter of XX/XX/XXXX {$12.00} & of XX/XX/XXXX {$49.00} & of XX/XX/XXXX {$10.00} XXXX XXXX XXXX XXXX TOTAL {$150.00}. See attatched Statement of XX/XX/XXXX XX/XX/XXXX NEW CHARGES NOT CREDITS OF {$340.00} & NEW CHARGES NOT CREDITS of XX/XX/XXXX, XXXX XX/XX/XXXX Purchases {$470.00} = TOTALS {$810.00} NEW CHARGES NO PERMANET CREDITS. XX/XX/XXXX the disputes USAA converted from fraud I reported XX/XX/XXXX were NOT IN MY FAVOR PUT BACK ON CARD XX/XX/XXXX. Then ( 5 ) Five months later USAA letter of XX/XX/XXXX SAYS transactions are UNAUTHORIZED. They can not be both UNAUTHORIZED & NOT IN MY FAVOR TOO?? I DO NIT BELIEVE USAA INVESTIGATED FRAUDC XX/XX/XXXX STATEMENT {$470.00} THERE ARE ARE NO TEMPORARY CREDITS TO MAKE PERMANET?? XXXX USAA DENIED ME THE RIGHT TO REPORT FRAUD XX/XX/XXXX CONVERTING what I reported fraud INTO DISPUTES THAT REVERSED CREDITS OF {$1.00}, XXXX NO USAA CREDITS EVER GIVEN. {$470.00} XX/XX/XXXX + $ XXXX $ XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX = TOTAL. {$1.00}, XXXX UNRESOLVED FRAUD FROM XX/XX/XXXX TO XX/XX/XXXX AND {$1.00}, XXXX REVERSED CREDITS of DISPUTES NOT IN MY FAVOR?? USAA FRAUDS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-29
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 Statement attatched. USAA temporary credits listed XXXX+XXXX+XXXX+XXXX+XXXX +XXXX+XXXX+XXXX+XXXX+XXXX+ XXXX+XXXX+XXXX+XXXX tto begin the investigation HAVE NOT BEEN MADE PERMANET CREDITS JUST TEMPORARY TOTAL {$320.00} ( TOTAL PAYMENTS AND CREDITS this period {$450.00} ) AS TEMPS ARE NOT PERMANET APPLIED TO BALANCE YET ALL DATED XX/XX/XXXX. USAA REVERSES TEMPORARY CREDITS NEVER APPLIED TO BALANCE AS PERMANET CREDITS ( MAKING TEMPORARY CREDITS BECOME NEW CHARGES ) in amounts XXXX XXXX XXXX XXXX XXXX XXXX = {$160.00} Credit Reversals of USAA TEMPORARY CREDITS to begin investigations and they ARE NEW CHARGES??? See attatched XX/XX/XXXX Fraud Letter of XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ALL THESE FRAUDS HAVE BEEN DISMISSED.?? IGNORED?? TOTAL {$150.00} FRAUD DISMISSED NO RESOLVE. NONE OF THESE TEMPORARY CREDITS APPLIED TOTAL CREDITS {$450.00} CREDITS APPLIED this period USAA MAKES PERMANET CHARGES OUT OF BEGINNING TEMP CREDITS in amount of {$160.00} AND DISMISSES CREDITS OF {$150.00}??? USAA DOES NOT RESOLVE FRAUD AND CREATES NEW CHARGES OUT OF TEMP CREDITS ALL USAA CREDITS ARE HIDDEN INTERNALLY FROM CONSUMERS VIEW.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-28
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Credit card company will not distinguish between promotional and purchase balance when assessing interest charges. The are applying my entire payment, some of which is over the minimum payment, to the promotional balance while continuing to increase my high-interest purchase balance. Promotional balance began in XX/XX/XXXX - {$1300.00} Purchase made XX/XX/XXXX - {$280.00} Total payments thru statement closing date of XX/XX/XXXX - {$410.00} Interest charged XX/XX/XXXX - XXXX Minimum payment due - {$19.00} Balance subject to interest - {$260.00} promotional balance {$1100.00} Payment through statement closing XX/XX/XXXX - {$100.00} Interest charged XX/XX/XXXX - {$6.00} Minimum payment due - {$18.00} Balance subj to interest - {$270.00} Promotional balance {$990.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11421
Submitted Via: Web
Date Sent: 2020-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX I booked four rooms at the XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX in XXXX XXXX staying XX/XX/XXXX using XXXX. Per the published policy, I was allowed to cancel the reservation with no charge/penalty before XX/XX/XXXX. If I failed to cancel by the deadline I was informed I would be charged for one nights stay ( {$160.00} per room ). I reserved the rooms using my USAA Bank XXXX XXXX Card. On XX/XX/XXXX I cancelled the reservation for all four rooms using the XXXX website and received cancellation confirmations via email from XXXX. On XX/XX/XXXX I noticed I was charged a one night stay for all four rooms. I immediately called the XX/XX/XXXXXXXX to inquire and provided the same information as above. The reservations department at the hotel advised me that the rooms had been booked twice in my name, once through XXXX and once through XXXX, resulting in reserving eight rooms, not four. According to the XXXX XXXX XXXX representative, the XXXX cancellation was processed and no charges resulted, however, four identical XXXX reservation incurred a one-night charge for a no-show of {$160.00} per room. The hotel explained they would be unable to refund the charges and I would have to contact XXXX to resolve the dispute. ISSUE : At no time did I make a reservation using XXXX. I was required to provide names for each room using the Hotels.com reservation system and therefore am 100 % positive I only booked the four rooms. I have contacted the hotel, my bank, and attempted to contact XXXX. The bank requires a XXXX invoice to dispute the charges, however, since I didn't make the charges I have no invoice to provide. Further, I do not have a XXXX account and do not understand how the duplicate reservation occurred outside of a hotel system issue or fraud. I have provided documentation to support everything in this complaint to USAA. TIMELINE : On XX/XX/XXXX The XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) informed me they would not be able to authorize a refund and I would need to work through XXXX. I attempted to contact XXXX but found no telephone number for customer service. The only way to contact XXXX with an issue is to provide your account information or confirmation information, neither of which I have because I dont have an account and didnt make a reservation using their site. On XX/XX/XXXX I contacted my bank, USAA, to dispute the charges. I provided the background information along with the XXXX XXXX XXXX response and notified them of XXXX 's lack of response. On XX/XX/XXXX XXXX sent an email to my primary XXXX account asking whether or not we stayed at the XXXX XXXX XXXX XXXX, to which I responded no by clicking a button at the bottom of the message. Immediately I received a notification stating a representative from XXXX would contact me shortly. To date I have not been contacted. I attempted to login to the XXXX website using the XXXX email address at which they contacted me, however, no account information can be found using my email address. I have a screenshot that shows there is no account associated with my email address, the same email address XXXX used to correspond with me about my cancellation. On XX/XX/XXXX, USAA contacted me to request additional information to include XXXX invoices. In response I provided a copy of the reservation I received from XXXX which includes the cancellation policy along with the cancellation confirmation and a narrative response to several questions. However, I was and still am unable to provide a XXXX invoice since I have no account and never booked a hotel using their website. I included screenshots showing no XXXX account exists with my email address. On XX/XX/XXXX, USAA informed me the transaction was valid and I was responsible for the charges. Specifically they said : " Without supporting documents associated with these charges from XXXX ( as these are seen as separate from XXXX ) we have no dispute rights and are held to the hotel 's no-show policies. As accounts on websites such as XXXX are not required to make reservations, the confirmations would be needed. If you've since been in contact with XXXX and have obtained more information regarding this transaction, please let us know in a letter and we'd be happy to review it. '' On XX/XX/XXXX I contacted USAA by telephone to speak with a banking representative. I was told to leave a number and someone would contact me to discuss the dispute. On XX/XX/XXXX a USAA bank representative returned my call. After discussing the issue, he informed me that XXXX XXXX is tough to dispute charges with as they require extensive documentation. To move forward I would need to get an invoice from the XXXX XXXX XXXXXXXX XXXX and submit them using the USAA message button on the website. On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXXXXXX and requested invoices for each room. They were emailed to me that same day and uploaded to USAA per instructions. On XX/XX/XXXX I was notified by USAA that their initial decision stands, and without new information to support my claim, USAA would be unable to proceed.
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2020-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A