Date Received: 2020-02-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I logged into my USAA Checking account this past Sunday and saw a {$900.00} transaction through XXXX sent to someone named XXXX XXXX. I checked with my husband, the only other person on the account, and he did not authorize this. I reported it as fraudulent to USAA and USAA said that they had security logs to show it was not fraudulent. Neither my husband nor I know anyone by this name, and neither of us authorized {$900.00} to be sent to them. Anyone that would be able to get access to my USAA account would also have access to my email account since I log onto both accounts at work and at home from the same devices. If one account is compromised, then both accounts would be since they are linked. Since XXXX is a platform supported and provided by my bank for use, why should I be out the money that was taken from my by their program without my authorization?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28110
Submitted Via: Web
Date Sent: 2020-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-18
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 Letter dated XX/XX/XXXX refrencing XX/XX/XXXX fraud claim date. Kindly Note statements XX/XX/XXXX through XX/XX/XXXX can be viewed on line. XX/XX/XXXX TOTAL CREDITS APPLIED this period Merchants Credits {$340.00}. XX/XX/XXXX TOTAL CREDITS APPLIED this period {$350.00} {$300.00} My Payment. XX/XX/XXXX TOTAL CREDITS APPLIED this period {$620.00} {$500.00} My Payment {$120.00} Merchants credits. XX/XX/XXXX TOTAL CREDITS APPLIED this period {$48.00} Merchant credits. XX/XX/XXXX TOTAL CREDITS APPLIED this period {$450.00} {$200.00} My Payment {$200.00} Merchant credits. XX/XX/XXXX {$910.00}. TOTAL CREDITS APPLIED this period are Merchants Credits. A TOTAL OF {$1.00}, XXXX Merchants paid on ID Theft and I paid {$1000.00} on this ID Theft since XX/XX/XXXX through XX/XX/XXXX. USAA REVERSED MY PAYMENTS AND MERCHANT CREDITS {$160.00} in XX/XX/XXXX USAA REVERSED CREDITS {$1.00}, XXXX in XX/XX/XXXX??? DOES USAA POLICY INCLUDE STEALING MERCHANTS AND MY PAYMENTS WITHOUT APPLYING A CREDIT? HOW CAN YOU REVERSE A CREDIT NOT GIVEN? USAA CLAIMS ALL CREDITS ARE INTERNAL. I understand why they would want to hide USAAs POLICY OF STEALING CREDITS NEVER APPLIED.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-18
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: XXXX and XXXX XXXX XXXX XXXX, XXXX CONSUMER FINANCIAL PROTECTION BUREAU CLAIM This complaint is against USAA Fereral Savings Bank, XXXX XXXX XXXX XXXX, Loan file # XXXX. Company ID XXXX. Step 1 : The Mortgage Loan Company USAA very seriously mishandled processing of our loan apllication, costing us a significant amount of money. Step 2 : USAA operated in a laissez-faire environment during the loan processing process resulting in missed contractually committed dates. They mislabled income categories provided to them creating confusion and delay. They created false income categories, directions and requests and attributed these to us. Step 3 : We had already sold our home and our belongings were in a moving van between RI and SC. We faced a choice of 1 : Face the loss of a home we faithfully negotiated to purchase and very seriously looked forward to owning, temporarily living in a hotel while searching for a temporary home and placing our belongings in long term storage or, 2 : Sell our savings and retirement assets that could quickly be converted to cash to be able to complete the home purchase contract ( knowing there would be conversion cost to bear ). We choose 2 : and the cost is high. Step 4 : This complaint is against USAA Federal Savings Bank , XXXX XXXX XXXX XXXX, Loan file # XXXX. Company ID XXXX. Step 5 : Level 1 People : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Level 2 People : XXXX XXXX XXXX XXXX Level 3 People : XXXX XXXX ; XXXX was the only person that showed sincere concern, worked professionally, but she just got in to the situation too late. Level 4 People : These are people that we had one or two communications with that attempted to help OR NOT, THEY DIDNT XXXX XXXX XXXX XXXX XXXX? The Complaint : USAA seriously mismanaged the processing of our Mortgage Loan Application causing us significant loss of money and extreme mental distress. The XXXX were forced to quickly raise Cash for the purchas e of a Contracted Property or Forfiet the Contract ( property ). XXXX had Closed the Sale of their prior home on XX/XX/XXXX and their Home belongings were in-route to this home they were purchasing. BACKGROUND : On XX/XX/XXXX and XXXX, XXXX we called several mortgage lenders to request their data for a 30 year, fixed rate home mortgage loan. We asked for both conventional and VA. XXXX XX/XX/XXXX we chose to apply to USAA XXXX We called the loan processor that had provided the data, XXXX XXXX and he confirmed the data. At that time we said that we would assemble our income, expenses and assets in a manor approprate to fill-in the application and would get back. XX/XX/XXXX With XXXX help we fill-out the application on-line. We explain that we have a sale closing contract on our present home on XX/XX/XXXX and a purchase closing contract on XX/XX/XXXX. XX/XX/XXXX call to XXXX and reached VM, lft msg, send us a copy of the application XX/XX/XXXX we called XXXX XXXX his back-up guy and rchd his VM, lft msg, cant reach XXXX, we wish a copy of the application. Like XXXX he never got back to us. XXXX XXXX sent us an email. This email gave his contact information but said nothing of our request. XXXX we call a Supervisor XXXX XXXX to tell her our lack of communications with XXXX. Eventually we receive a copy of the application. While reviewing it I found an item of income XXXX that I didnt recognize. XXXX expained it to me to be the sum of the interest and dividend values which I gave him which he named Annuity. I said it isnt an annuity ; but he said combining some items of income and referring to them as an annuity was standard practice. I thought it odd, but he is the Processor. XXXX XXXX informs us the system is showing a Closing date of XX/XX/XXXX, and it is set by the system as the latest expected. The only thing he can do is to move things as quickly as possible and his goal is our XX/XX/XXXX date. Little did we know then that he would be replaced as our processor in a couple of days and that multiple processors and the process itself would be in slow motion by holiday mode nobody gives a darn people. My realtor XXXX tells me XX/XX/XXXX could be a problem with the Seller because she has a date to buy property based on the declared XX/XX/XXXX date. XX/XX/XXXX from here until XX/XX/XXXX we traveled through five loan processors, two Processor Supervisor and a Manager ( XXXX XXXX ). All would express their concern regarding the lack of attention we were receiving but soon they were gone and they were passing us off to the next person. At the time we started the application we stated that we had a closing date of XX/XX/XXXX for a home purchase that we had under contract and this constant turn-over of personnel has to be a negative impact on the closing date, but nobody is saying so. On XXXX Loan Supervisor XXXX XXXX called us to introduce herself. It turns out XXXX was the most concerned USAA employee that worked on the Process. On XXXX XXXX called to say she was XXXX XXXX, at that time our processor, assistant. She explained XXXX was out unexpectedly and she would be filling-in, then asked me for an explaination of the Annuity. I told her that there was no annuity and I never said I had an annuity, that it was created by XXXX XXXX. I then explained the dollar values were interest & dividends and the back up for them was on the Fed Form 1040s. Until a week!! later I thought the expaination was accepted. As the XX/XX/XXXX Closing date approached it was evident that it would not be met and that XX/XX/XXXX was the most likely date. The Seller of the home we were to buy reluctently agreed to a no later than XX/XX/XXXX closing. XX/XX/XXXX I was told that we had insufficient income to qualify for the loan! I was not told why. My assumption is that XXXX passed on that I stated that I had no annuity and never, ever said I had one but that she didnt ( adequately ) pass on I had the income shown as an annuity in the form of interest & dividends which could be seen on the form 1040s. XX/XX/XXXX XXXX got involved and got to the underwriter. We got over this hurdle and XXXX said her goal is still XX/XX/XXXX. XX/XX/XXXX We are notified our loan is conditionally approved. XX/XX/XXXX Email from XXXX : Unfortunately you can not close on XX/XX/XXXX due to a refusal by you to use electronic XXXX proceedures and a request by you on XX/XX/XXXX to print and ship. The documents were created on XX/XX/XXXX and shipped on XX/XX/XXXX to XXXX, RI per your request The soonest closing would be XX/XX/XXXX. First I did not refuse to use XXXX, we had been using it all along in this process. Second I did not make any such request to print and ship ( I dont remember ever hearing/reading the term print and ship ). Third we sold the XXXX property over a week earlier. If there is such documented requests and directions they have not shown it to us. XX/XX/XXXX I told XXXX that we had a closing commitment to meet on XX/XX/XXXX. If USAA cant or wont meet that date I must withdraw our application. She said not before XX/XX/XXXX and I said then Im forced to find a way to meet my purchase commitment without USAA. SUMMARY : This loan processing was mismanaged from start to finish ; from uncaring people, personnel turnover, mislabeling of income to undocumented claimed statements and request that USAA attribute to be made by me. When we were informed on XXXX, just two days after we had presented our timeline, that the system assigned XX/XX/XXXX as the closing date it was too late for us to attempt to go to one of the other brokers we had consulted. We accepted at that time that XXXX was sincere and commited to make things move quickly in an attempt to get to or closer to XX/XX/XXXX and that he would be with us every day to the close. Considering what transpired we can not fathom why XXXX created the factious annuity income label and when asked say it was standard practice. Why did it take a week from the time I told XXXX I had no annuity to being told we lacked sufficient income for the loan? My only thought is that XXXX informed the underwriter that we had no annuity but neglected to explain that the funds labled XXXX were accounted for as interest and dividends and could be found on the 1040s When I told XXXX the same explaination as I told XXXX, XXXX had the loan back on track the next day. USAA does not have documentation that we refused to participate to docusign or directed a paper copy be delivered to XXXX RI because they do not exist.. We did not want to lose the contract on this house. We went into panick mode. We sold retirement assets so that we could provide funds for a CASH PURCHASE. I am a Vetern, both of us are in reasonable health for our advanced age ( XXXX & XXXX ) but this six week effort ( plus the on-going time generating this claim ) has been an extreme strain for us as it would be for much younger people. This debacle has cost us a great deal of money that we are claiming USAA must compensate us for. These Costs are provide as an attachment to this Complaint. SUPPORT We have copies of emails and cryptic scribbled handnotes of telephone calls. MONETARY COST : XXXX and XXXX XXXX XXXX CONSUMER FINANCIAL PROTECTION BUREAU CLAIM The XXXX have incurred to-date {$30000.00} of cost over and above what would have occurred had the loan been properly consumated through the USAA application. In addition the XXXX will pay an additional {$24000.00} in interest for the loan they obtained to replace the botched USAA loan. A total cost of {$54000.00} over the life of the loan. An .XXXX spread sheet will be attached to this submittal
Company Response:
State: SC
Zip: 29464
Submitted Via: Web
Date Sent: 2020-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-18
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: See attatched XX/XX/XXXX. XXXX XXXX {$120.00} purchased XX/XX/XXXX. Fraud Claim Investigation Results does NOT GIVE A CLAIM DATE. It gives a TRANSACTION DATE and says THE CREDIT WE DEPOSITED AT BEGINNING OF INVESTIGATION HAVE BEEN REVERSED. THIS RETURNED ITEM WAS NOT REPORTED AS FRAUD. ** Kindly Note USAA fraud policy places ( adjustment purchases temp credits provisinal credits awaiting merchant credits within 5 days of fraud reported. THERE ARE NO USAA CREDITS TO REVERSE. This item was returned to the store and WAS NOT REPORTED AS FRAUD BY ME. XX/XX/XXXX Credits provided by XXXX XXXX were reversed and NO USAA CREDITS WERE DEPOSITED AS FRAUD WAS NOT REPORTED. Let this letter prove NO TEMP PROVISINAL ADJUSTMENT PURCHASES WERE GIVEN XX/XX/XXXX. ( see statement XX/XX/XXXX ) TO BEGIN FRAUD INVESTIGATION FOR THE {$120.00}. USAA RETAILATED AGAINST ME FOR REPORTING ID THEFT claiming I reported what I returned to the store as fraud. UNTRUE. This is slander/defamation and if XXXX does not fix what USAA reported XXXX becomes an accessory to slandering my good name. I DID NOT REPORT FRAUD ON RETURNED ITEMS. THAT IS A LIE FROM USAA ( XXXX XXXX. )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-18
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Hello to whom it may concern my name is XXXX XXXX and I was giving fraudulent checks to mobile deposit in my account in exchange to help pay for stock and for me to keep the remaining money left over from the stock payment. I was dating name XXXX XXXX Gave me fraudulent checks to mobile deposit and when the checks were deposited Mobile. the check cleared and it became available instantly. The signature on the check is not mine .I did not know that the bank would clear a check that I did not a have the money to cover and did not wait 24 hours to deposit. I called the bank Monday, XX/XX/XXXX around XXXX XXXX to ask if the check cleared and if the money was really there and I was assured that everything was OK. XXXX XXXX had access to my phone and sent the money that was deposited via mobile checking app, to what I thought was stock market but sent it out to people on XXXX XXXX in XXXX XXXX and XXXX. The bank did not catch the fraudulent charges until all four of the checks cleared totaling 8000+ dollars. I have not spent the remaining amount of money of 2000 almost {$3000.00} so is there anything anybody can do to help me I dont have the money to pay back {$6000.00}. Im a single mother and I work for myself I have never made such a large deposit is there anything anybody can do to help me catch the people involved in this.Now the bank is also saying Im involved in first party Fraud and I cant get a hold of anybody to explain to me what that exactly means and what are my options.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28303
Submitted Via: Web
Date Sent: 2020-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-17
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: XX/XX/20 closed the account. eight operators or more later from USAA all expressing different thoughts, a US XXXX XXXX XXXX XXXX veteran trying to redeem my rewards back. I was informed I can not get the whole amount due to many different reasons depending on which operator I spoke to. I have XXXX issues and hard time speaking. My daughter called and tried to help me, this company USAA claim to help the veteran be all about the veteran etc. etc. they are the worst company to help a veteran in this world. the interest rate was out of this world. they did nothing for me in years I had the card and upon closing wouldn't help redeem full value of redemption.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 02760
Submitted Via: Web
Date Sent: 2020-02-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: See attatched *FTC ID THEFT report case XXXX See attatched *CRIMINAL INVESTIGATION letter of XX/XX/XXXX PROOF DELIVERIES NOT MADE XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Fl XXXX MY ADDRESS XX/XX/XXXX. * USAA CONFIRMS NO ID THEFT OCCURRED. I filed IDTheft, as is MY RIGHT, using the FTC web ftc.gov ID Theft Guidelines. You can view this on line, USAA. FTC web ( Our AUTHORITIES ) Under Disputing Credit Card Charges ( FCBA ) under billing errors CLEARLY STATES. ( *UNAUTHORIZED CHARGES ) * I have definitly had.. AND ( ** CHARGES FOR GOODS & SERVICES YOU DIDN'T ACCEPT OR THAT ** WEREN'T DELIVERED AS AGREED. ) I had also. USAA these are the guidelines I used in submitting this ID Theft Report. WHAT GUIDELINES ARE YOU FOLLOWING CONFIRMING IT IS NOT ID THEFT?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-17
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: This complaint involves XXXX Credit Report. On XX/XX/2020, XXXX lowered my credit score by 36 points. According to the report issued via XXXX XXXX, who used the XXXX Report, there were five changes to my XXXX Report : 1. XXXX XXXX Reports 2 Payments Made on Time. 2. USAA Savings Bank added the following remarks to my account : Charged Off Account. Account Closed By Credit Grantor. I continue to dispute the legitimacy of this account and demand my remarks be reflected on the account that Consumer Disputes Investigation Findings. USAA and XXXX have claimed they have previously investigated the claim and are not obligated to conduct further investigations. The reality is that a representative of the USAA CEO staff stated that the CEO 's position is that no fraud occurred. This was not predicated upon a legitimate investigation as I have repeatedly asked for a copy of their investigation to no avail. 3. XXXX XXXX added remarks that Consumer disputes after resolution. XXXX XXXX has not conducted a legitimate investigation into my complaint and on several occasions changed the dates they claimed I was late on my auto loan. The auto loan was never late and I continue to dispute the report. 4. USAA Savings Bank added the following remarks to my account : Consumer dispute - reinvestigation in progress. I continue to dispute the legitimacy of this account and demand my remarks be reflected on the account that Consumer Disputes Investigation Findings. USAA and XXXX have claimed they have previously investigated the claim and are not obligated to conduct further investigations. The reality is that a representative of the USAA CEO staff stated that the CEO 's position is that no fraud occurred. This was not predicated upon a legitimate investigation as I have repeatedly asked for a copy of their investigation to no avail. 5. USAA Savings Bank removed the following remarks from my account : Consumer dispute - reinvestigation in progress. I continue to dispute the legitimacy of this account and demand my remarks be reflected on the account that Consumer Disputes Investigation Findings. USAA and XXXX have claimed they have previously investigated the claim and are not obligated to conduct further investigations. The reality is that a representative of the USAA CEO staff stated that the CEO 's position is that no fraud occurred. This was not predicated upon a legitimate investigation as I have repeatedly asked for a copy of their investigation to no avail. 6. XXXX XXXX XXXX XXXX continues to report negatively on my credit reports and refuses to conduct a legitimate investigation. Because they wasted so much time, there is no way to prosecute the fraudulent actors, meanwhile, XXXX continues to fraudulently report negatively on my report. It is clear to see that XXXX, XXXX XXXX, and USAA Savings Bank are deliberately manipulating the credit reports and negatively impacting my XXXX Credit Report and ability to purchase a home. For instance, my score dropped 36 points over a change in the narrative but has not gone up since paying off nearing {$2000.00} to XXXX XXXX XXXX. XXXX is also under-reporting the average age of my credit. I have a 99 % on-time payment, 15 % Credit card utilization, 0 Derogatory Remarks in Collections or Public Record, 7 Hard Inquiries which I have repeatedly disputed as unauthorized and XXXX has done nothing but refer me to the creditor. The responsibility is upon XXXX to report accurate information and to demand strict proof when I file a complaint or dispute. On information and belief, it is public knowledge that XXXX, XXXX XXXX, and USAA are corrupt and manipulate scores to fraudulently inflate the cost.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37075
Submitted Via: Web
Date Sent: 2020-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-17
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 refuses to send me USAA Policies. Due to XXXX XXXX I have NO ACCESS on line with USAA. I requested XX/XX/XXXX Paperwork info on line web provides all others NOT ME, to no avail. I requested again XX/XX/XXXX, no avail. I NEED TO KNOW USAA POLICY TO FOLLOW IT. See attatched XX/XX/XXXX FRAUD CLAIM letter. WOW Temporary Credits must be MADE PERMANET. USAA HAS LIED TO ME FOR 2 YEARS. Telling me the credit reversals were from USAA CREDITS WHEN CREDITS WERE NEVER MADE PERMANET! NO USAA TEMPORARY CREDIT WAS EVER MADE PERMANET so USAA USES TEMPORARY CREDITS TO CREATE PERMANET PURCHASES?? OF CREDIT REVERALS OF ** CREDIT NEVER GIVEN STEALING MERCHANT CREDITS?? COVERING THEIR FRAUD LEAVING CONSUMER LIABLE FOR THE FRAUD?? Attached XX/XX/XXXX USAA statement IS BEGINNING OF FRAUD. Kindly Note THERE ARE NO USAA CREDITS ONLY MERCHANT CREDITS. USAA demands I put all this in writing when they know My Hands Unable to do so taking advanage of my age and XXXX. USAA please accept this as in writing. XX/XX/XXXX Merchant credits {$120.00} & {$210.00} *REVERSED XX/XX/XXXX due to TEMP credits. XX/XX/XXXX Merchant credits {$15.00} {$17.00} {$25.00} * REVERSED XX/XX/XXXX due Temp credits XX/XX/XXXX Merchant credits {$110.00} *REVERSED due Temp credit XX/XX/XXXX XX/XX/XXXX Merchant credits {$12.00} {$26.00} {$9.00} * REVERSED XX/XX/XXXX {$9.00} {$26.00} due Temp credit XX/XX/XXXX Merchant credits {$200.00} {$280.00} {$150.00} {$230.00} {$8.00} {$14.00} = {$910.00} PERM CREDITS and ** CHARGED XXXX OLD FRAUD FROM XX/XX/XXXX Note the ( F ) in ref number cide for fraud. USAA puts KNOWN FRAUD ON AS NEW PURCHASES XX/XX/XXXX {$6.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX * REVERSED {$200.00} {$280.00} = Total Reversed {$970.00} USAA IS THE THIEF STEALING EVERYTHING FTC MADE MERCHANTS CREDIT. Note the pattern. Merchant PAYS and USAA TAKES AS THEIRS WHEN THEY NEVER MADE THE TEMP CREDIT PERMANET. USAA STATES ALL CREDITS ARE INTERNAL USAA HIDES THIS. USAA refuses to send policy to explain TEMP BEING MADE PERMANET PURPOSELY. USAA HAS HELD ME LIABLE FOR FRAUD SINCE XXXX XXXX The first time I used this 4 years old card they tell me. USAA IS HOSTILE AND UNCOOPERATIVE.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-15
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: USAA STEALS MERCHANT CREDITS See attatched fraud claim investigation results letters of XX/XX/XXXX XXXX {$210.00} & XX/XX/XXXX XXXX XXXX {$120.00}. Both state THE CREDIT WE DEPOSITED AT THE BEGINNING OF THE INVESTIGATION HAVE BEEN REVERSED. Idid not report these as fraud. Both were returned to the retail store. See attatched statements of XXXX & XX/XX/XXXX THERE ARE NO USAA CREDITS TO REVERSE ONLY {$340.00} MERCHANTS CREDITS. See attatched Mastercard end XXXX DEBTOR NOT LIABLE XX/XX/XXXX THIS WAS NOT CLOSED. This became Mastercard end XXXX This became Visa end XXXX USAA CLAIMS I NEVER HAD THIS CARD end XXXX and I first used it XX/XX/XXXX when I opened it in XXXX.??? ( This card sat inactive for 4 years it would then appear?? ) note* the staement XX/XX/XXXX card end XXXX not XXXX??? USAA CLAIMS I OPENED THESE ACCOUNTS WITH ELECTRONIC SIGNATURE ** I PHYSICALLY AM UNABLE TO DO FOR 15 YEARS OR MORE I NEVER HAVE HAD ON LINE ACCESS. I request ORIGINAL SIGNATURES for Charges on all the accounts mentioned above I also demand USAA REFUND THE MERCHANTS CREDITS. I AM A VICTIM OF IDENINITY THEFT case XXXX Trying to Rebuild my destroyed credit reported by USAA.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A