Date Received: 2020-02-14
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: On XX/XX/XXXX I purchased from XXXX a laser with the ability to actually burn items. When I received the item, the item was not capable as advertised on their website. Turns out it was fraud and false advertising with multiple complaints online from people duped into believing the device was capable of actually acting like a torch. I submitted my dispute with USAA along with evidence ; according to their research which they will not share with me, they determined the charge was valid. I see no evidence that any sort of investigation was performed. I was told to submit a letter explaining why as an attachment but I already submitted my dispute within the text field when I originally filed my dispute. When I spoke with the MSR on XX/XX/XXXX ; she told me she did not have access to see the original text from my dispute and only the attachments thus creating more work when I already explained why I was disputing it. She recommended me sending a letter to dispute it again via mail. Not sure why I would want to do that when I already did it online. Submitting it via mail would only add to further expenses on me for already being defrauded by this company. I also submitted a complaint directly to the company Complaint # XXXX
Company Response:
State: TX
Zip: 78130
Submitted Via: Web
Date Sent: 2020-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-14
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 XXXX Dispute RESULTS. It denies my information informing me to CONTACT USAA. I have been doing this with USAA for 2 years now ( since XX/XX/2018 ) to NO AVAIL. Reliving only destroys my heath more. I will NOT KEEP RELIVING WITH USAA ANY LONGER ** ONCE WAS ENOUGH. This also says my request was based on MATERIAL MISREPUTATION or You knowingly OBTAINED POSSESSION OF GOODS. I need to find out what information USAA provided to prove it AN UNTRUTHFUL RETAILATION because I filed for Ideninity Theft after NO RESOLVE OF UNAUTHORIZED CHARGES beginning XX/XX/2018. FTC ID Theft case XXXX. FTC says GRANTOR ( USAA ) by statues Must NOT REPORT ID THEFT to destroy innocent peoples lives. USAA MUST HAVE SLADERED MY NAME TO RETAILATE. USAA IS MUCH TOO HOSTILE TO MAKE SAFE CONTACT and I am set up with CFPB with CONSTANT CONTACT. USAA has had tons of contact ( *Safely through CFPB. ) XXXX, please contact CFPB to veiw the history of current contact. USAA IS NOT HONEST. XXXX, please send me WHAT I AM BEING ACCUSED OF CLEARLY AND SPECIFICALLY. My reputation has been spotless for XXXX years UNTIL USAAXX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: USAA defames my name reporting to CRAs & CFPB that I reported XXXX XXXX. {$120.00} Fraud in XX/XX/XXXX with allegations of me trying to collect rfunds not due me reporting fraud on A RETURNED ITEM. And .... THIS IS A LIE! see attatched letter of XX/XX/XXXX TOP READS FRAUD CLAIM INVESTIGATION RESULTS and says We have completed our investigation of the following CREDIT CARD ( TRANSACTION ) and gives a Transaction date of XX/XX/XXXX NOT A CLAIM DATE It further says The credit we deposited at the beginning of the investigation HAVE BEEN REVERSED. They were reversed XX/XX/XXXX NOT THE SAME MONTH THEY WERE PURCHASED XX/XX/XXXX. see attatched letter XX/XX/XXXX TOP SAYS CREDIT CARD FRAUD ( CLAIM ) with a Claim date of XX/XX/XXXX USAA PLEASE INFORM THE CRAs you were wrong to clear my name. Please retrain Ms XXXX and ALL THE OTHER too numerous to mention that have lied to me for 2 years so this does not happen to others.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-13
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 My CFPB complaint was that I believe USAA are criminals frauding consumers after they experience fraud. USAA HAS NOT RESPONDED other than deny any wrong doing claiming all credits are applied correctly WITHOUT ALLOWING CONSUMERS TO VIEW INTERNAL CREDITS & SEE WHAT BECOMES PERMANET CREDIT. They take advanage of those in bad situation. All USAA credits are temporary to begin and USAA coverts all fraud to disputes to create temporary credits internally that never become permanet. ALL USAA CREDITS ARE INTERNAL.I have never seen the permanet credit I was supposed to get letter XX/XX/XXXX documents. This letter, provided previously says Fraud credits for XX/XX/XXXX claim {$470.00} temporary credits HAVE BEEN MADE PERMANET but I am never alliwed to see these INTERNAL CALCULATIONS. There are NO PERMANET CREDITS I CAN SEE. It took USAA 10 months to complete this fraud in my favor. It was first converted into a dispute putting temp credits that BECAME CREDIT REVERSALS NEW PURCHASES. I called today, spoke to XXXX ASKED TO SEE MY INTERNAL CREDITS he says consumers are not privy to internal banking. Fraud Reported XX/XX/XXXX HAS NEVER GOTTEN PERMANET CREDITS BUT THOUSANDS OF DOLLARS OF CREDIT REVERSALS the temp credits created. How can USAA never allow me to view credits? How can they Not investigate fraud? XX/XX/XXXX fraud {$470.00} took til XX/XX/XXXX to complete this very first fraud that occurred on my account and this is just the beginning.This account was first used XX/XX/XXXX FRAUD IMMEADTELY OCCURRED. STILL NO RESOLVE but USAA SAYS ALL GOOD. USAA CAN NOT BE TRUSTED. They deny wrong doing after being fined MILLIONS. CLEARLY USAAs ATTITUDE OF ABOVE LAW DO NO WRONG HAS NOT CHANGED AND USAA CONTINUES WITH UNFAIR BUSINESS PRACTICES OR EVEN CRIMINAL ACTIVITY. Guess they are playing Follow the Country Leader. Fines do not stop them. What will?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-13
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 spoke to senior rep and asked about three letters I recieved XX/XX/XXXX. NO AVAIL See attatched letters. XX/XX/XXXX. {$120.00}. transaction date XX/XX/XXXX says THE CREDIITS WE DEPOSITED AT THE BEGINNING OF THE INVESTIGATION * HAVE BEEN REVERSED. XX/XX/XXXX, {$210.00}. transaction date XX/XX/XXXX says same. Both of these were returned items Merchants credited IMMEADTELY before statement XX/XX/XXXX closing date. There NEVER WERE ANY USAA CREDITS none were needed. Both these letters are missing claim date and note the top wording they are not called CREDIT CARD FRAUD CLAIM either. XX/XX/XXXX letter. CREDIT CARD FRAUD CLAIM for {$470.00} GIVES CLAIM DATE XX/XX/XXXX. I CONFIRMED I REPORTED XX/XX/XXXX CHARGES OF {$470.00} FRAUD. There are NO PERMANET USAA CREDITS AS THIS LETTER SAYS AND IT IS FRAUD. NO CREDITS FROM USAA TO COVER FRAUDS. USAA CLAIMS NO FRAUD REPORTED. Why thousands of credit reversals IF NO FRAUD REPORTED? Credit Reversals begin XX/XX/XXXX. I demand {$100.00}, XXXX check mailed to me to cover my financial loss + interest of being held liable for fraud since XX/XX/XXXX. USAA DESTROYED MY CREDIT. I WILL NEED THIS MONEY TO REBUILT WHAT THEY DESTROYED. I USED TO HAVE EXCELLENT CREDIT SCORE. My health has also been effected by USAA ATTITUDE.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Usaa is holding my funds instead of crediting my account. A check from a 401k withdrawal was electronically deposited because USAA does not have regular branches in Arizona. The check was deposited on XX/XX/2020 and I called on XX/XX/2020 and asked why I didnt have my money. They said they were holding it for a week. What? This is crazy no bank holds a legitimate check issued by XXXX floor a week. I feel Im being targeted by USAA. I should not be denied my money.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2020-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-12
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: In XX/XX/2020 my husband and I applied for and were approved for an auto loan using the USAA website. We were promptly approved of a used car loan for 4.09 % financing up to {$45000.00}. We were offered in writing a .25 % rate reduction if we signed up for monthly auto draft payments and another .5 % rate reduction if we used the USAA Truecar buying website in total the rate would be 3.29 %. My husband and I were happy with this rate and did not continue to shop for any other loans. We even told the dealership not to shop for any loans we were loyal to USAA and happy with the 3.29 % we were receiving. Then we started our search buy logging into the USAA website and clicking on the Truecar link. We understood this meant we were using the Truecar Service. So when I contacted USAA to explain there was an error and my rate should be 3.29 % they said give it 10 days or so it had not updated yet. When I followed up a few weeks later by phone I was told that I was not eligible for the rate promised because I did not click on the link to have the dealership contact me directly, instead I chose to call the dealership myself. I explain that I would have clicked this " certificate '' giving all my contact info to the dealership had I understood it was required to receive the rate. I also explained that I stopped selecting the link after the first two cars I was interested in because I was being bombarded with calls from multiple dealerships. I also explained that I would have happily followed the procedure had it been clearly explained necessary to earn the rate. I also explained that once at the dealership to make my purchase they did ask if I had the certificate and I said I would be happy to print it out but they said not to worry they would take care of it. I explained to USAA that I feel victim of a " bait and switch '' having been promised 3.29 % and having to pay 3.79 % because the directions were not clear. I feel USAA advertised to me 3.29 % and did not honor their commitment. I spoke to a supervisor today and they said the rate would not be corrected that I did not follow procedure. I never thought USAA would treat their customer this way. I have a copy of the dealer funding instructions, nowhere does it say that this certificate must be included for the discount to apply. It is also not stated in the application process or when given the different rate options. Im so surprised at this lack of customer care or concern from USAA. After speaking with the supervisor I went back on the mobile site to see where I made the mistake. There is an asterisk 1 after the advertised .5 rate discount and I click on the link to " learn more '' it says my nothing about it. It says get started but never explains the asterik1. The options are " get started '', " view your application '', " rates as low as '' " how much do I qualify for '' After searching on the mobile site for about 10 minutes I was able to locate a disclosure in fine print at the bottom of a page that says " To qualify for the .50 % auto loan rate discount, the borrower must access the USAA Car Buying Service on usaa.com or the USAA mobile app. find a vehicle and submit their contact information to the dealer. '' This info is almost hidden from the buyer. Like I said had I known I would have followed the procedure. In the future I would ask USAA to clearly display this information in multiple locations or at least make the information prominent in their advertising. Or put this information on approved rate sheet where you select new/used with the rates and terms and it shows the discounts, Or USAA could include this in the funding instructions that they provided me and I provided to the dealer. I do feel duped and I do feel upset because USAA has the opportunity to explain this detail in each location or page that mentions the .50 % rate discount and hides the information in fine print at the bottom of a page. I thought USAA was morally above other for profit banks. I never expected they would not make this right. XXXX XXXX.
Company Response:
State: CA
Zip: 95630
Submitted Via: Web
Date Sent: 2020-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-12
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 demands all fraud reported be turned into disputes that then place temporary credits listed as adjustment purchases. The internal temporary credits do not apply until they are made permanet. See statement XX/XX/XXXX. The temporary credits list as other credits {$2.00}, XXXX THAT DISAPPEAR. They are not made permanet and fall off. All temp credits become PERMANET NEW PURCHASES WITH NO WARNING OR EXPLANINATIONS. AND merchant credits are stolen leaving consumers with fraud. See statement attatched. XXXX XXXX XXXX XXXX credited {$200.00} {$280.00} On XX/XX/XXXX USAA places temp credit AFTER MERCHANT PAID. so USAA can fraud consumers they got 2 credits for one purchase. XXXX credits are now credit reversals XX/XX/XXXX leaving me with the fraud. USAA tells consumers look you got One credit from merchant and One credit from USAA. Temporary credits must be made permanet to apply when only One real credit from merchant is all that applied. Now for rest story. USAA demands all frauds to be disputes first.Disputes place a temp credit to CREATE MORE PROFITS BY COLLECTING 2 purchases USAA STEALS MERCHANT CREDITS CLAIMING THEY ARE USAA CREDITS. USAA policy demanding disputes not fraud reports is not the rules FTC states on line. FTC says if not delivered timely or not delivered at all it is fraud. USAA says if you have done business with merchant before IT IS NOT FRAUD EVEN IF NEVER WAS DELIVERED. FTC talks about the investigation which USAA does not do. I am not provided any merchant info if merchant decides refund not deserved. No wonder NONE OF MY FRAUD HAS BEEN CREDITED BY USAA. AND LOOK THEY EVEN TAKE MERCHANTS CREDITS AFTER THEY PAY. XXXX XX/XX/XXXX credited. became a new charge XX/XX/XXXX stealing XXXX credit and leaving me with fraud. USAA CREATES THE CREDIT REVERSALS FOR ADDED INCOME ALWAYS. ALL. MUST BE DISPUTES. USAA IS NOT ZERO LIABILITY. They do not investigate fraud so they do not have to pay for it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-12
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 makes statement : Temporary credits were applied on time no delay NOT TRUE. See statement of XX/XX/XXXX. XX/XX/XXXX {$210.00} XXXX XXXX XX/XX/XXXX XXXX XXXX Credit from merchants are the ONLY CREDITS shown on statement of XX/XX/XXXX. There are No Temporary Credits or Permanet Credits from USAA XX/XX/XXXX. KINDLY NOTE USAA CLAIMSl the TEMPORARY CREDITS Not MADE Permanet are Permanet. USAA LIES TEMPORARY CREDITS NEVER GIVEN for XX/XX/XXXX Fraud claim date. See letter of XX/XX/XXXX. It took 2 years to discover USAA MUST MAKE TEMPORARY CREDITS PERMANET as letter XX/XX/XXXX explains. No wonder all my fraud credits kept disappearing like {$2600.00} other credits vanished XX/XX/XXXX Temporary Credits do not apply UNTIL MADE PERMANET. WOW Now USAA uses the temporary credits ( not made permanet ) converting all temporary credits into PERMANET CHARGES OF NEW PURCHASES CREDIT REVERSALS claiming 2 credits as merchant paid. How can USAA reverse credit NOT GIVEN because not made permanet to apply to balance. THERE ARE NO PERMANET USAA CREDITS FOR FRAUD REPORTED AND there are No temporary credits posted timely XX/XX/XXXX for the claim date of XX/XX/XXXX. USAA sorry, but that is a lie and there are XXXX many more credits never made permanet. Also I spoke to XXXX, XXXX, XXXX, XXXX, XXXX at gr8 length. I explained. I have XXXX with ADA tools of talk back screen reader and scanner. USAA tech will have to fix why USAA web and USAA mobile app do not hook up. I am able to access CFPB and FTC & Ideninity Theft.gov. I do not know a lot about tech but am ready to perform any hand movements that ARE NOT HAZZARDOUS TO MY XXXX, HOWEVER ; I DO NOT WANT TO CONTINUE A RELATIONSHIP WITH USAA DO NOT SEND ME ANOTHER NEW CARD USAA has a responsibllity to provide access and options for XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: On XX/XX/XXXX and XX/XX/XXXX I have contacted USAA about billing statement, payment, and Date of First Delinquency issues. First billing statements are missing the year of XXXX, which I believe is the start of the date of the first delinquency. Second payment history, I can not see when a payment was made by whom, or where it came from. Date of first Delinquency keeps changing, between credit bureau and USAA. In addition to this my debt was forgiven in XXXX tax year. 7 years after the original charge off date. See attached.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46545
Submitted Via: Web
Date Sent: 2020-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A