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 XX/XX/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
Date Received: 2020-02-12
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My husband wrote a check for {$1400.00} for our rent as we do every single month, which was dated for XX/XX/2020. On XX/XX/2020, our bank ( USAA ) took out {$3400.00} from our account. When I tried to pay for my childs school lunch, the payment wouldnt go through because of insufficient funds. When my husband asked the bank for our funds back, they told us they would need to investigate it and we would not receive a reimbursement until it was complete. When my husband asked how our children would eat at school if we arent able to pay for school lunch, he was told to just use a credit card, like it was no big deal. They said they wouldnt reimburse us for any late fees, insufficient funds fees, or interest accrued from any credit card we may need to use. Not only had the bank hung up on us previous to this final conversation, we were blown off and basically told to deal with it when we asked for our money back. So we now have no money, and Im not confident the bank is even investigating this matter. The customer service Rep said it was the fault of the other bank so nothing could be done to help us in the meantime
Company Response:
State: WI
Zip: 546XX
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: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: XX/XX/XXXX I spoke to XXXX requesting XXXX XXXX Data used to pay my creditcard be removed. I would Not be paying on Ideninity Theft Unresolved Fraud Anymore. I have submitted Over {$3.00}, XXXX FRAUD reports to USAA. USAA HAS NEVER CREDITED THE FRAUD so I stopped paying on it. Frauds Not Resolved are : XX/XX/XXXX- XX/XX/XXXX XXXX charges total {$470.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All XX/XX/XXXX XXXX charges total {$470.00}. USAA used my XXXX XXXX Data prior to removing it making a {$3.00}, XXXX PAYMENT I DID NOT AUTHORIZE. This caused {$2300.00} OVERDRAFTS of social security funds to live off of for the next 3 months USAA STOLE MONEY NOT OWED ( fraud ) leaving me liable for fraud and no money to pay rent or buy food.
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: 2020-02-11
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 USAA statement XX/XX/XXXX. Summary of Account Activity shows beginning bal. of {$1.00}, XXXX minus Other credits of - {$2.00}, XXXX - - {$1.00}, XXXX owed at this point. minus the Total Credits for this period listed separately/merchants credits. - {$910.00} Add New Purchases NOT CREDIT REVERSALS Less than + {$870.00} DOES NOT EQUAL NEW THE BALANCE MATHMATICALLY. **Please note XXXX XXXX {$120.00} is a new fraud investigation XX/XX/XXXX. NOT XX/XX/XXXX AS USAA MAINTAINS. USAA can view the adjustment purchase to begin a fraud investigation {$120.00} XX/XX/XXXX on a purchase paid by merchant in XX/XX/XXXX?? Huh?? I did not buy this item returned to the store back! Forced by USAA TO BUY BACK 2 RETURNED ITEMS from. XX/XX/XXXX in XX/XX/XXXX.total {$340.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Over the last ten years, USAA bank has reduced auto pay based on additional payment. The process of increasing my credit limit and fix auto-pay to keep balances high has cost me thousands. The system does not allow me to pay an additional payment and use auto-pay without reducing the auto-pay amount. The company would not allow that. Bank also, changed my credit card to visa dropping my credit rating and impacting insurance. The company states it too confusing to provide a principle payment option to pay the bill. Also, the company increased my credit limit without me asking.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37075
Submitted Via: Web
Date Sent: 2020-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-10
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 I am still trying to resolve fraud from XX/XX/XXXX. I have no on line access due to a XXXX XXXX. Phone reps refuse to speak with me on fraud so old. See attatched. ( Just Learned ) XX/XX/XXXX CREDIT CARD FRAUD CLAIM Claim date XX/XX/XXXX. A year 1/2 Later I am told ** Adjustment Purchases Temporary Credits MUST BE ( MADE PERMANET ) to apply. See attatched Adjustment Purchases XX/XX/XXXX Temporary Credits NOT MADE PERMANET YET. USAA uses every Adjustment Purchase Temporary Credit NOT MADE PERMANET yet to ** Create CREDIT REVERSALS.If USAA credit not given how can they use that as a 2nd credit to CREATE CREDIT REVERSALS and an additional new purchase charge? XX/XX/XXXX Statements Lists {$2.00}, XXXX CREDITS NEVER APPLIED they are all credit reversals. Total credits XX/XX/XXXX were {$910.00} and SOMEHOW THEY TURN INTO CREDIT REVERSALS AS WELL when merchants just paid. I have fought this for over 2 years now. I do Not believe this is ERROR. I believe it is done to AVOID PAYING FOR FRAUD and MAKING DOUBLE PROFITS charging 2Xs. It has gone on too long to be a mistake.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: Fraudster have our corporate bank account info and have deposited fraudulent checks and submitted Fraudulent ach debits utilizing multiple credit unions. USAA.COM PAYMENT tried to debit {$46000.00} Friday XX/XX/XXXX Originating id:XXXX XX/XX/XXXX Check # XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX, MD USAA Credit Union This is jut one credit union but there are multiple involved with these scheme. Please see the attached spreadsheet. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2020-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-09
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 USAA rep informed me XX/XX/XXXX statement shows USAA BEGAN their Fraud Investigation the day I reported it on XX/XX/XXXX with Adjustment Purchases of USAA Credits. This is shown on the statement. 1 ) How could there be 6 Fraud Credit Reversals * BEFORE THE FRAUD WAS REPORTED ON XX/XX/XXXX??????? 2 ) What happened with the 17 Adjustment Purchases BEGINNING Fraud Investigations. Six ( 6 ) were REVERSALS * BEFORE THEY WERE REPORTED. USAA. What happened to those NOT REVERSED? So why is USAA NOT ACCOUNTABLE FOR THE FRAUD? There are NEVER 2 CREDITS FOR ONE PURCHASE TO REVERSE?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I pay my credit card off and USAA constantly puts my payment on hold for 7 days and it clears my Credit Union within 24 hours of being submitted
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OR
Zip: 97317
Submitted Via: Web
Date Sent: 2020-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-09
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: USAA claims Zero Liability Fraud Protection. See attatched XX/XX/18 statement of USAA Fraud Investgations. They are the ( Adjustment Purchases ) shown on statement of USAA Credits to cover Fraud. UNDERNEATH there is a TOTAL LINE of Total Payments & Credits for this period {$450.00}. The Summarry of Account Activity List Other Credits {$700.00}. USAA will not explain. WHERE ARE REST OF CREDITS? USAA calls these ( INTERNAL CREDITS. ) Why is anything HIDDEN from consumers view? Especially Credits they are supposed to recieve from FRAUD? TRUTH IN LENDING IS NOT HIDDEN. USAA CLAIMS ZERO LIABILITY They have left me with liability on all these Adjustment Purchases. ** How do ALL ( ADJUSTMENTS PURCHASES ) BECOME NEW CHARGES ON MY ACCOUNT. They were reported fraud so I HAVE BEEN CHARGED TWO TIMES FOR UNAUTHORIZED CHARGES. USAA IS NOT ZERO LIABILITY FRAUD PROTECTION. USAA CHARGES DOUBLE CHARGES FOR ALL FRAUD IT APPEARS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A