Date Received: 2020-02-26
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 Reports UNTRUTHFUL INFORMATION TO AUTHORITIES. NO RESPECT. USAA Reported to CFPB that I reported FRAUD XX/XX/XXXX XXXX {$230.00} see attatched USAA statement XX/XX/XXXX. CLEARLY the {$230.00} is part of the whole amount reported FRAUD XX/XX/XXXX. USAA CAN NOT GET THIS TRUTH. Statement XX/XX/XXXX shows. NO TEMP CREDITS USAA Policy of temp credits to BEGIN FRAUD INVESTIGATION ** THEY DO NOT APPEAR THEY DID NOT HAPPEN AS USAA CLAIMS and Neither do the {$470.00} temp credits appear. The FRAUD CLAIM DATE XX/XX/XXXX Can Not be TRUTH as THERE ARE NO TEMP CREDITS hello ( ** TO MAKE PERMANET. ) USAA LIES ABOUT LYING HIDES TRUTH INTERNAL. TEMP FRAUD CREDITS MADE PERMANET NOT SHOWN ON STATEMENT. Kindly Note the XXXX transaction posted the same day I reported it ( ** FRAUD CAN NOT BE TRUE. XX/XX/XXXX IS THE DATE OF THE PURCHASE PUT ON THE ACCOUNT. {$230.00} XXXX you can view it on attatched statement USAA. )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-25
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 Claim letter dated XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX. ( Explains TEMP CREDITS ARE MADE PERMANET WHEN INVESTIGATION OVER. ) {$470.00}. ( **Please confirm PERMANET CREDIT APPLIED effecting my bal. ) Please explain HOW PERMANET CREDITS APPEAR ON STATEMENTS so I can find All these Credits. See attatched statement XX/XX/XXXX There are TEMP CREDITS to begin fraud investigations TOTAL TEMP ADJUSTMENT PURCHASES CREDITS are {$320.00} PLEASE CONFIRM THESE HAVE BEEN MADE PERMANET. The investigation MUST BE OVER BY NOW. see attatched Statement XX/XX/XXXX TEMP ADJUSTMENT PURCHASES CREDITS PLACED TO BEGIN FRAUD INVESTIGATIONS They TOTAL {$1.00}, XXXX TOTAL TEMP CREDITS THAT ** NEED TO BE MADE PERMANET. Investigation MUST BE OVER BY NOW. TOGETHER THERE ARE {$1.00}, XXXX TEMPS NEEDING MADE PERM XX/XX/XXXX XX/XX/XXXX and XXXX {$470.00} NEED PERMANET CREDITS APPLIED FOR ALL THESE TEMP CREDITS TO BEGIN INVESTIGATION
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: USAA Ms XXXX WILL NOT CEASE AND DESIST DEFAMATION. see attatched proof the XXXX XXXX {$120.00} XX/XX/XXXX IS SEPARATE FROM {$470.00} XXXX XXXX credited XX/XX/XXXX. Leaving bal {$470.00} LOOK AT STATEMENT AND STOP TELLING THIS LIE OVER AND OVER AND OVER.see NO USAA CREDITS All credits are from merchants. There are NO USAA credits at beginning of investigation as USAA claims TO REVERSE THEM XX/XX/XXXX XXXX see see Fraud Letter XX/XX/XXXX. It says temp credits WERE MADE PERMANET Looking at XXXX XXXX statement THERE ARE NO TEMP CREDITS OR PERM CREDITS. see attatched Fraud Letter XX/XX/XXXX EXPLAINING WHY A CREDIT REVERSAL XXXX XXXX {$120.00} stateing the credits deposited at beginning investigation have been reversed. THERE ARE NONE This was NEVER REPORTED FRAUD. This appeared as a New Purchase XX/XX/XXXX a second time. I DO NOT AUTHIRIZE CREDIT REVERSAL as there are none TO REVERSE. More PROOF XXXX XXXX WAS NOT REPORTED FRAUD XX/XX/XXXX. see attatched XX/XX/XXXX ADJUSTMENT PURCHASE TEMP CREDIT TO START A FRAUD INVESTIGATION Kindly note THERE ARE NO BEGINNING FRAUD INVESTIGATIONS XX/XX/XXXX. USAA MS XXXX CEASE WITH THIS LIE AND admit credits were not applied properly. There are NO USAA CREDITS BEGINNING INVESTIGATION XX/XX/XXXX but THERE ARE BEGINNING INVESTIGATION CREDITS {$120.00} XX/XX/XXXX WHEN YOU REVERSED CREDIT NOT GIVEN. STOP WITH DEFAMATION I HAVE TRUTH PROOF.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: USAA does Not provide a TRUTH IN LENDING STATEMENT. see attatched XX/XX/2019 statement showing OTHER CREDITS {$2.00}, XXXX and TOTAL CREDITS ONLY {$910.00}. Definition of TOTAL. = Comprising the whole number or amount. USAA statements SHOW TOTAL CREDITS that do Not Comprise the whole number. WHAT PART OF TOTAL DOES USAA misunderstand? Why are they allowed to hide credits? ( Without A VIEW OF THE CREDITS the statement IS NOT THE WHOLE TRUTH. NOTHING BUT THE TRUTH UNLESS the temp credits OTHER CREDITS DID NOT APPLY ) ** Either statement is not TRUTH IN THIS LENDING or the credits WERE NOT APPLIED.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-25
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Requested APR to reflect the lower rate afforded to my military status in XX/XX/2019. The XXXX XXXX XXXX started XX/XX/2019. Under the SCRA the APR should be 6 % not 18.33 % I was being charged. After 6 calls over 4 months there was no resolution and no explanation why it has not been processed.
Company Response: Company believes complaint is the result of an isolated error
State: UT
Zip: 840XX
Submitted Via: Web
Date Sent: 2020-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XXXX XXXX XXXX XXXX, SC XXXX USAA Credit Card Resolution Services XXXX. XXXX XXXX XXXX XXXX, TX XXXX To whom it may concern : We are disputing the entire amount shown on you XX/XX/2020 statement due to USAA. We would like for someone to take another look at our account. On XX/XX/2020 ; {$9600.00} was posted to our account to pay off a balance of {$9500.00} ( the extra amount was to take in account any interest that might be due ). We received a letter dated XX/XX/2020 confirming that the USAA Credit Card Account had been closed by USAA. On or about XX/XX/2020 we received a check in the mail in the amount {$110.00} which we deposited in our checking account on XX/XX/2020. Then in early XXXX we received the attached statement showing an amount due of {$84.00}. It also showed the payment from USAA on XX/XX/XXXX and it showed the refund check # XXXX as a purchase. That is not correct, the {$110.00} should be properly reflected on the credit card statement as a refund not a purchase. A {$110.00} purchase is subject to interest charges, a refund is not. Further a {$110.00} purchase implies we received some benefit from the transaction listed, which is not true. This was money owed to us as consumers that overpaid a bill. On XX/XX/XXXX we contacted a representative of your facility for an explanation. After an extensive hold period ( in excess of 5 minutes ) she informed us that the interest of {$84.00} was from a cash advance check processed several years ago. As a result, we are exercising our rights under the Fair Credit Bill Act to dispute the {$84.00} charge. I am doubtful this money is owed as USAA applied a payment, and then went through the process to issue a physical paper check for a refund on the account. It is reasonable to believe that if USAA had maintained proper records, the {$84.00} would have been collected with the {$9500.00} payment processed on XX/XX/2020. We are exercising these rights since our records do not go back several years, so we do not have the proper documentation to verify the information provided on the phone. We also do not understand why this {$84.00}, from several years ago, was not settled with the {$110.00} that was returned to us. It is this type of misleading financial accounting, which has also happened on several prior accounts with USAA, that has led to our severing ties with the firm. Yours Truly, XXXX and XXXX XXXX Attachment CF : FDIC, Office of the Ombudsmen XXXX XXXX XXXX XXXX XXXX XXXX . XXXX, SC XXXX USAA Credit Card Resolution Services XXXX. XXXX XXXX XXXX XXXX, TX XXXX To whom it may concern : We are disputing the entire amount shown on you XX/XX/2020 statement due to USAA. We would like for someone to take another look at our account. On XX/XX/2020 ; {$9600.00} was posted to our account to pay off a balance of {$9500.00} ( the extra amount was to take in account any interest that might be due ). We received a letter dated XX/XX/2020 confirming that the USAA Credit Card Account had been closed by USAA. On or about XX/XX/2020 we received a check in the mail in the amount {$110.00} which we deposited in our checking account on XX/XX/2020. Then in early XXXX we received the attached statement showing an amount due of {$84.00}. It also showed the payment from USAA on XX/XX/XXXX and it showed the refund check # XXXX as a purchase. That is not correct, the {$110.00} should be properly reflected on the credit card statement as a refund not a purchase. A {$110.00} purchase is subject to interest charges, a refund is not. Further a {$110.00} purchase implies we received some benefit from the transaction listed, which is not true. This was money owed to us as consumers that overpaid a bill. On XX/XX/XXXX we contacted a representative of your facility for an explanation. After an extensive hold period ( in excess of 5 minutes ) she informed us that the interest of {$84.00} was from a cash advance check processed several years ago. As a result, we are exercising our rights under the Fair Credit Bill Act to dispute the {$84.00} charge. I am doubtful this money is owed as USAA applied a payment, and then went through the process to issue a physical paper check for a refund on the account. It is reasonable to believe that if USAA had maintained proper records, the {$84.00} would have been collected with the {$9500.00} payment processed on XX/XX/2020. We are exercising these rights since our records do not go back several years, so we do not have the proper documentation to verify the information provided on the phone. We also do not understand why this {$84.00}, from several years ago, was not settled with the {$110.00} that was returned to us. It is this type of misleading financial accounting, which has also happened on several prior accounts with USAA, that has led to our severing ties with the firm. Yours Truly, XXXX and XXXX XXXX Attachment CF : FDIC, Office of the Ombudsmen XXXX XXXX XXXX
Company Response: Company believes complaint is the result of an isolated error
State: SC
Zip: 29229
Submitted Via: Web
Date Sent: 2020-02-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-25
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 enclosed statement XX/XX/XXXX Adjustment Purchases Temp Credits Confirm beginning of fraud investigations listed XX/XX/XXXX. see attatched XX/XX/XXXX WERIFY USAA CREDIT CARD FRAUD CHARGE If you still believe fradulent No Action needed by you we will pursue this as fraud on your behalf {$49.00} THIS WAS NOT REVERSED AND NEEDS TO BE MADE A PERMANET FRAUD CREDIT The temp one is listed XX/XX/XXXX. See attatched XX/XX/XXXX Letter says same thing Lists transactions {$10.00} XXXX XXXX XXXX XXXX THESE DID NOT REVERSE AND TEMP CREDITS NEED TO BE PERMANET. see attatched XX/XX/XXXX says same thing {$12.00} see attatched XX/XX/XXXX Letter says same thing transaction {$12.00} THESE DID NOT REVERSE. All these temp credits NEED BE MADE PERMANET. ???? HAS USAA COMPLETED THESE INVESTIGATIONS begun OVER A YEAR AGO?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-25
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 reported ( 2 ) XXXX XX/XX/XXXX transactions {$170.00} {$170.00} UNAUTHORIZED. see enclosed XX/XX/XXXX statement fraud investigation BEGUN temp credits listed XX/XX/XXXX Adjustment Purchases. ( These were in my favor as the temp credits were NOT reversed. ) WHEN WILL I SEE THE TEMP FRAUD CREDITS MADE PERMANET.? WHAT DO THE PERMANET FRAUD CREDITS LOOK LIKE? HOW ARE THEY DIFFERENT THAN THE TEMP ONES? ( USAA OWES THE PERMANET CREDIT ON BOTH THESE TRANSACTIONS ). Has USAA completed this fraud investigation begun OVER A YEAR AGO?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This problem started due to a problem I had with XXXX XXXX. I retired two years ago, sold my house and live in an XXXX. XXXX XXXX locked my accounts a few days ago because of the Know Your Customer ( Patriot Act ) laws. When I gave them next of kin address all became well with them. I've since opened an account with another national bank and they are OK with my addresses too. But this event scared me, so I decided that I would do business with two banks moving some of my safety net cash to USAA. So I became a member of USAA. I then created a savings account, applied for a credit card ( which was approved in minutes ) and noticed that their investment products looked good. I decided to rollover my 401k into USAA IRA and purchase a fixed income annuity. I had USAA electronically transfer XXXX from my XXXX XXXX account. At this point I thought all was good. A couple days later I found that I had been locked out of my account. I called USAA and was told that I was suspected of some fraud and that they would do no business with me. The last representative I spoke with told me that she could not tell me what would become of my XXXX deposit. She told me that she could not tell me if I would ever get the money returned. She also said that there was no one else I could talk to and there was nothing else anyone could do about it. I have no idea what fraud they think I committed. Some have suggested that I triggered some reporting " thing '' and that the money might have been turned over to the government ( IRS? ). I've read horror stories of this happening to people and people having to give up because they lack the resources to fight it. But my deposit was not cash, it was an electronic transfer triggered by USAA. Please believe me, I did nothing illegal. Obviously, I want my money returned. What kind of world do we live in when banks can just take our money away?
Company Response: Company believes complaint is the result of an isolated error
State: SD
Zip: 577XX
Submitted Via: Web
Date Sent: 2020-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-24
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: XX/XX/XXXX XXXX recieved ( see attatched XXXX shipping tracking label of proof of delivery. see also CRIMINAL INVESTIGATION LETTER of XX/XX/XXXX deliveries not made included in package. see also attatched ID THEFT REPORT case XXXX included in packet USAA & XXXX. see also included in packet attatched USAA FRAUD CLAIM LETTER dated XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX Notice of UNAUTHORIZED TRANSACTIONS NEVER RESOLVED. Why doesn't XXXX report the ACCURATE INFORMATION ON USAA OR XXXX? MY CREDIT IS DESTROYED FROM ID THEFT. Also why has XXXX refused to address having no data on me? I filed XXXX Breach XXXX did Not annouce breach for 2 years. Why? I understand BREACH began XXXX XXXX notified XXXX. Why?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A