Date Received: 2020-02-24
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 Spoke to XXXX. I asked HOW DO PERMANET CREDITS APPEAR ON MY STATEMENTS? XXXX replys, THEY WILL SAY SECURITY ADJUSTMENTS. I respond Oh, I do not think I have ever had any of those on my account. XXXX, No you have not, WERE YOU EXPECTING ANY? See attatched Fraud Claim Letter. XX/XX/XXXX fraud claim date XX/XX/XXXX, XXXX {$470.00} Temporary Credits Made Permanet.??? See attatched XX/XX/XXXX statement TOTAL CREDITS {$340.00} all merchants credits. XX/XX/XXXX TOTAL CREDITS {$350.00} my payment. XX/XX/XXXX TOTAL CREDITS {$620.00} {$500.00} my payment {$110.00} merchants. XX/XX/XXXX TOTAL CREDITS {$48.00} merchants credits. XX/XX/XXXX TOTAL CREDITS {$450.00} {$77.00} my payment {$380.00} merchants XX/XX/XXXX TOTAL CREDITS {$910.00} all merchants credits. To XXXX I ASK, Where are USAA CREDITS TO REVERSE {$2.00}, XXXX * IF NO USAA CREDITS WERE EVER MADE PERMANET USAA STEALS MERCHANTS CREDITS OR MY PAYMENT AS THEY ARE THE ( ONLY CREDITS ON THE ACCOUNT ) AND THEN I GOT THE DIALTONE. THE TRUTH, WHOLE TRUTH, NOTHING BUT THE TRUTH, SO HELP ME XXXX.??? THERE ARE NO USAA CREDITS MADE PERMANET TO REVERSE.
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
Date Received: 2020-02-23
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 statement XX/XX/XXXX. USAA has not explained credit reversals to me. Please explain the credit revetsals on XX/XX/XXXX statement. TOTAL PAYMENTS and CREDITS {$450.00}. Applied for this period. This is a Total of my payment {$77.00} & Merchants {$28.00}, {$47.00}, {$34.00}, then back statement continues permanet credits {$21.00}, {$75.00} PERMANET CREDIT great call dispute my favor {$170.00}, PERMANET CREDIT great call my favior THESE MERCHANT CREDITS AND MY PAYMENTS ARE ALL THAT APPLIED THIS PERIOD. Kindly Note this confusion : NONE OF THE ADJUSTMENT PURCHASES TEMPORARY CREDITS ( all with little - minus signs making them APPEAR SUBTRACTED AND CREDITED SEE XX/XX/XXXX {$49.00} under the {$170.00} INone of the next 14 are not included they are NOT PART OF THE TOTAL AT THE BOTTOM ( * TOTAL PAYMENTS AND CREDITS THIS PERIOD ) again THE NEXT 14 CREDITS. are not included but misrepresented to look like they are. The temporary credits NOT APPLIED. are {$49.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TOTAL CREDITS NOT APPLIED {$320.00}. Why do they * MISREPRESENT CREDITS NOT GIVEN LISTING THEM MAKING THEM APPEAR AS APPLIED? USAA reversed XXXX same day they began investigation putting temp credit XX/XX/XXXX NO WAIT THEY ENDED INVESTIGATION XX/XX/XXXX reversed XXXX same day began also NOTE these credits DID NOT APPLY only merchant credits & my payment applied. Then reversed XXXX that merchant just sent XXXX XXXX XXXX ALL WITHOUT APPLYING USAA CREDITS THAT STATEMENT SHOWS. Then see attatched XX/XX/XXXX VERIFY FRAUD CLAIM letter confirming NO ACTION NEEDED BY ME and usaa will continue to persue fraud in my behalf. KINDLY NOTE LETTER XX/XX/XXXX IS AFTER THEY LISTED THESE UNAPPLIED CREDITS What hapoened. Fraud is supposed to be addressed resolved by 60 days. ALL THIS FRAUD IS DISMISSED NOT APPLIED NO RESOLVE??? See attatched Fraud letter XX/XX/XXXX {$49.00} NO FURTHER ACTION ON MY PART {$49.00} is listed as a pretend credit but NOT INCLUDED IN AMOUNT TOTAL CREDITS XX/XX/XXXX USAA REVERSES CREDIT NEVER GIVEN DOES NOT RESOLVE FRAUD IN 60 days as law requires AND USAA STATEMENTS MISREPRESENT CREDITS APPLIED WITH TEMP CREDITS NEVER MADE PERMANET.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/XXXX XXXX confirms NO LETTERS after I confirmed there were two dated XX/XX/XXXX and one XX/XX/XXXX. He confirms I did Not make a fraud report UNTIL XX/XX/XXXX. XX/XX/XXXX is the first Credit Reversal of {$12.00} IT MUST HAVE BEEN REPORTED * PRIOR TO XX/XX/XXXX TO BE A CREDIT REVERSAL ON XX/XX/XXXX STATEMENT?? See attatched 3 USAA letters regarding USAA FRAUD CREDITS APPLIED. Kindly note ALL THREE letters confirm creditcard ends XXXX. See attatched XX/XX/XXXX statement Card ends XXXX. USAA reversed {$120.00} XX/XX/XXXX letter NEVER Creating New Purchases XX/XX/XXXX. I did not authorize OR REPORT FRAUD & {$210.00} XX/XX/XXXX NEVER REPORTED FRAUD confirming USAA CREDITS APPLIED back at beginning of investigations done on these two transactions. See attatched statement XX/XX/XXXX The ONLY CREDITS APPLIED WERE FROM MERCHANTS. USAA reversed credits NEVER GIVEN. USAA ( TEMPORARY CREDITS * ARE NEW PURCHASES ON MY ACCOUNT XX/XX/XXXX ) I DID NOT AUTHORIZE ANY OF THESE ( CREDIT REVERSALS NEW PURCHASES DISPUTES NOT IN MY FAVOR?? OR WHATEVER ) AND USAA DID NOT PROVIDE CREDITS ONLY MERCHANT CREDIT. See attatched letter XX/XX/XXXX {$470.00} CONFIRMING *** TEMPORARY CREDITS WERE MADE PERMANET. FRAUD CLAIM DATE XX/XX/XXXX **NO USAA TEMPORARY CREDITS CREDITS APPLIED PER STATEMENTS TO MAKE PERMANET in XXXX. This entire amount of the 3 letters TOTAL {$810.00} All Appear as NEW PURCHASES in XXXX see total New Purchases under Summary Activity. XX/XX/XXXX and All XX/XX/XXXX NEW PURCHASES XXXX ARE NOT AUTHORIZED. These same purchases I reported fraud are back again as NEW PURCHASES XX/XX/XXXX AS DISPUTES ** NOT IN MY FAVOR??? HUH?? they are Unauthorized. Now they ARE NEW PURCHASES?? WHY DOES USSA LEAVE CONSUMERS WITH FRAUD? Taking merchant credits for their own.???
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The CRA has has 30 days for complete their reinvestigation, and 5 business days thereafter to send their Notice of Results of Reinvestigation. I have received no notices from two agencies regarding fraudulent closed charged off accounts. USAA FEDERAL SAVINGS BANK AND XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92596
Submitted Via: Web
Date Sent: 2020-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I recieved calls from XXXX XXXX XXXX. USAA. XX/XX/XXXX I waited 56 mins XXXX ID XXXX Attempted Collect on FDIC ID THEFT case # XXXX. USAA WAS MADE AWARE OF ID THEFT XXXX see. attatched Fraud Claim Letter XX/XX/XXXX Unauthorized Charges {$470.00} on card XXXX. See attatched CRIMINAL INVESTIGATION POSTAL SERVICE Letter XX/XX/XXXX. ( UNAUTHORIZED TRANSACTIONS are ID THEFT. AND ITEMS NOT DELIVERED are ID THEFT ) FTC Guidelines ID THEFT COLLECTION IS UNLAWFUL. USAA does Not folliw FTC guidelines. Then XXXX came on line to harrass telling me I just did not want to pay my debt. CHECK MY PAYMENT HISTORY SINCE XXXX. USAA NEVER RESOLVES FRAUD THEN COLLECTS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-21
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: Since XX/XX/XXXX USAA has insisted USAA fraud credits applied to the balance. ALL USAA CREDITS ARE INTERNAL. USAA refuses to, as my math teacher would say, ( ** SHOW YOUR WORK ) With fraud credts hidden from me and Not listed on my statementt. THIS IS UNACCEPTABLE. SHOW YOUR WORK. I DO NOT BELIEVE USAA all credits applied because my statements ( SHOW THERE ARE NO USAA CREDITS from XX/XX/XXXX thru XX/XX/XXXX LISTED UNDER TOTAL PAYMENTS AND CREDITS for this period XXXX XXXX XXXX XXXX XXXX & XX/XX/XXXX. ) I HAVE A RIGHT TO FINANCIAL DISCLOSURE OF THESE FRAUD CREDITS THAT ALLEGEDLY APPLIED TO MY BALANCE. USAA REVERSED OVER {$1.00}, XXXX AND HAS NEVER ** SHOWED THEIR MATH WORK PROOF OF USAA PERMANET CREDITS. THEY DO NOT LIST ON MONTHLY STATEMENTS. THEY ARE HIDDEN FROM CONSUMER. Two years, two years and USAA still will not show their fraud credits.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-21
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 Ms XXXX USAA lies again to Federal Authority CFPB. NO RESPECT OF AUTHORITY. See attatched statement AGAIN presented to USAA previously XX/XX/XXXX. Beginng bal was XXXX. Credit paid by XXXX XXXX {$120.00} included in the other credits of {$340.00} see it at bottom of page XXXX XXXX Credit and XXXX credit NO USAA CREDITS LEAVING THE BALANCE OF {$470.00} ** AFTER ** AFTER ** AFTER {$120.00} is Removed. THE BALANCE LEFT ** AFTER THE XXXX XXXX CREDITED IS {$470.00} ** MEANS THE XXXX XXXX IS NOT PART OF THE {$470.00} BAL REPORTED FRAUD. USAA STOP LYING AND SLANDERING MY NAME. RESPECT AUTHORITY ENOUGH TO TELL THE TRUTH.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-22
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I bank with USAA. I make transfers often with them. They dont have a physical location so you have to do it by phone. After they accidentally closed my card while I was traveling, I asked them to transfer my money to an external account that they were familiar with. On XX/XX/2020 they confirmed the transfer around XXXX XXXX eastern time. I checked the account 3 hours later and the funds were not there. They arrive within minutes. They stole it cause I threatened to close the account. They stole a XXXX transfer by phone from me and it disappeared.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2020-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My wife and I are retired and live full time in an RV. We use a PMB address with XXXX 's XXXX in XXXX XXXX SD for my legal residence and all matters except banking. Because of the Patriot Act I use a next of kin address for the permanent address, all of which I've explained many many times. I've described this to every representative that would listen. Several people told me that it was not a problem. Anyway, on about XX/XX/XXXX I enrolled in the USAA Credit Union. I immediately created a savings account and transferred {$10000.00} from a savings account with XXXX XXXX. Everything was created via a telephone call because the online software was too buggy to work. Every representative I spoke with was told that I live full time in an RV and that I have no permanent physical domicile. I advised every representative that I would be using a next of kin address for my permanent address as per the Patriot Act. I stressed this vigorously with every representative I spoke. I've researched this and have found that if a customer has no permanent physical address, that next of kin satisfies legal requirements. Today I spoke with a banker with XXXX XXXX and she acknowledged that she also understood this to be true. I also contacted the USAA investments ( XXXX XXXX ) and arranged for XXXX XXXX to be transferred into an Ira , and XXXX of that was to be spent purchasing a fixed lifetime joint annuity. I then initiated a rollover from a 401k managed by " The Standard '' On XX/XX/XXXX I found that I was locked out of my online account ( this also happened the day before, but corrected with a phone call ). The representative told me that USAA was accusing me of fraud and that they were closing all accounts. I spoke with many representatives spending approx 2 hours talking to people trying to discover what the hell was going one. Everyone I spoke to told me 1 ) I was suspected of fraud 2 ) They couldn't tell me anything about the fraud, evidence, or any details 3 ) They couldn't tell me why I was suspected of fraud 4 ) They couldn't tell me when, how or if my XXXX dollars would be returned except one lady said that she thought my money would be sent via a check. Today ( XX/XX/XXXX ) I spoke with a representative that told me that she could not tell me if my money would be returned. She could not tell me that my money would not be returned. She could not tell me why my money was being withheld. Basically, she couldn't tell me ANYTHING except that I was suspected of fraud. I've committed no fraud. I live an unusual life circumstance but I've tried very hard to explain this to every one that would listen. USAA clerks are all very mechanical and they engage the brains very little. the bottom line, I want my {$10000.00} immediately. I want the money to be placed into an account from which I can recover it immediately. Hell, wouldn't you? This has been a nightmare to a degree that I've never experienced.
Company Response:
State: SD
Zip: 577XX
Submitted Via: Web
Date Sent: 2020-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-21
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: USAA INVESTIGATED FRAUD CHARGES IN MY FAVOR. {$470.00} XX/XX/XXXX see attatched Fraud letter dated XX/XX/XXXX. USAA documents after investigation with merchant Disputes listed see attatched statement XX/XX/XXXX * SAME CHARGES ARE NOT IN MY FAVOR. They INCLUDE ALL XX/XX/XXXX XXXX CHARGES. XX/XX/XXXX Transactions listed on attatched XX/XX/XXXX statement Transactions to include NEW PURCHASES of XX/XX/XXXX ( ref # s begin with letter F ) USAA can view them on line on these two statements XX/XX/XXXX listed without F in ref # and XX/XX/XXXX. ( F ) ref # s XXXX. USAA LISTS AS NEW PURCHASES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX See attatched statement XX/XX/XXXX Transactions ARE THE SAME USAA INVESTIGATED AS ( UNAUTHORIZED FRAUD * IN MY FAVOR ) and never paid USAA CREDITS. see statement of merchant credits ONLY. How could they also have ( INVESTIGATED THE SAME CHARGES AS DISPUTES * NOT IN MY FAVOR??? ) USAA INVESTIGATIONS CLEARLY ARE DISHONEST! Also KINDLY NOTE BOTH STATEMENTS ONLY LIST MERCHANT CREDITS APPLIED ** NO USAA CREDITS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A