Date Received: 2020-02-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/XXXX I went to my bank to pay my rent from my social security funds auto deposited {$1.00}, XXXX XXXX ** ALL FUNDS for survival WERE STOLEN BY USSA AND FUTURE SOCIAL SECURITY BENEFITS OF {$2.00}, XXXX OVETDRAFTING ME in XXXX XXXX XXXX. USAA put in an Electronic Payment ( * I have NO ACCESS ON LINE ) using my XXXX XXXX XXXX Data WITHOUT MY PERMISSION. They used my data I had used for previous payments when I did owe. THIS IS IDENINITY THEFT XXXX NOT OWED I NEVER AUTHORIZED THIS IDENINITY THEFT DEBT IS NOT LEGAL TO COLLECT and Social Security funds are not allowed debt collection Humans have to live USAA IS ABOVE THE LAW CROOKS Area Aging DOJ will be here tomorrow. USAA does not care if elderly XXXX die from lack. USAA WAS FINED XXXX XX/XX/XXXX but do not care They have Not stopped stealing from consumers.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XX/XX/2020 After recieveing another ATTEMPT TO COLLECT A DEBT LETTER dated XX/XX/2020 I called USAA Asking If the USAA Temporary Credits list as Adjustment Purchases What do Permanet Credits list as on my Statements? How will I recognize the {$4000.00} plus Temporary Credits Listed as Adjustment Purchases BE MADE PERMANET FOR THE IDENINITY THEFT ON MY ACCOUNT XXXX puts me on hold immeadetely after I waited 45 mins call is then dropped. I call back XXXX answers He is very annoyed with me calling I explain IF I WAS PROVIDED ACCESS ON LINE I would not need to call I ask WITH ADJUSTMENT PURCHASES BEING TEMPORARY USAA CREDITS What will the PERMANET USAA CREDITS list as SO I CAN FIND THEM ON MY STATEMENT XXXX answers he dies not know. I ask him to please find out He responds why You do not have an account with us. I ask Why are you harrassing me with attempts to collect? XXXX answers, I'm not trying to collect from you. XXXX 'S LAST RESPONCE YOU BETTER GET AN ATTORNEY. USAA has been sent the Ideninity Theft Report THEY ARE AWARE BUT IGNORE. USAA NEVER ANSWERS WITH ANY PROOF TEMPORARY CREDITS WERE EVER MADE PERMANET Showing on my statements as PERMANET CREDITS. USAA ALSO HAS COPY OF CRIMINAL INVESTIGATION MAIL FRAUD NO DELIVERIES MADE
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am a victim of Ideninity Theft. case # XXXX USAA provides me NO ADA ACCESS ON LINE or option of ACCESS. When I try to resolve Ideninity Theft by phone. I am sent to collections. When I ask for documentation of debt I am sent 1 ) MasterCard ending XXXX XX/XX/XXXX I do not recall ever having. Who ever did have data to this card CREDIT CARD DEBT STATUTE OF LIMITATIONS IN FLORIDA IS 4 YEARS This is a 6 year old credt card debt USAA ATTEMPTS TO COLLECT. 2 ) When I call to resolve I am sent to collections for a MasterCard XXXX DEBT DISCHARGED XX/XX/XXXX This debtor is no longer liable after XX/XX/XXXX AND THIS TOO IS PAST FLORDIA CREDITCARD COLLECTION STATUTE OF LIMITATIONS. When I call to resolve I am sent to collections on attatched 3 ) XX/XX/XXXX Collection Attempt on card ending XXXX I HAVE NEVER HAD There is never resolve with USAA and they break all laws.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I defaulted on a credit card account with USAA Federal Savings Bank in connection with my divorce in XX/XX/XXXX. The account was charged off in XX/XX/XXXX, and I offered to settle with them in early XX/XX/XXXX but they rejected the offer. USAA-FSB continues to report this account as open and each month reports payments as more than 90 days late. This is a false report and is being done intentionally to inflict the worst possible adverse impact on my credit. I have contacted USAA FSB about this issue on no fewer than three occasions. They respond almost immediately ( apparently before even investigating ) and refuse each time to correct the entries.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91001
Submitted Via: Web
Date Sent: 2020-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Credit Card Fraud Claim Claim date XX/XX/XXXX says TEMPORARY CREDITS to your account in amount of {$470.00} ( THE TEMPORARY CREDITS have been made PERMANET. ) XX/XX/XXXX Statement attatched show {$560.00} TEMPORARY CREDITS they list as ADJUSTMENT PURCHASES ( beginning USAA fraud investigations ) And XX/XX/XXXX. Statement attatched TEMPORARY CREDITS listed as ADJUSTMENT PURCHASES show {$1.00}, XXXX total TEMPORARY CREDITS both months = {$2300.00} The CREDIT CARD FRAUD CLAIM letter claim date XX/XX/XXXX attatched shows {$470.00} TEMPORARY CREDITS and {$470.00} PERMANET CREDITS. If TEMPORARY CREDITS MUST BE MADE PERMANET What will the PERMANET CREDIT APPEAR AS ON STATEMENTS? I've never seen any PERMANET CREDITS TEMPORARY ONES SAY ADJUSTMENT PURCHASES. WHAT DO PERMANET ONES SAY? Please give dates of all PERMANET CREDITS. I am looking for {$2.00}, XXXX plus the {$470.00} from XX/XX/XXXX Credit Card Fraud Claim letter. I spoke with XXXX USAA REP today and asked How will I recognise PERMANET CREDITS? He said, they will be the TOTAL CREDITS FOR THIS PERIOD AMOUNT. XX/XX/XXXX that amount TOTAL CREDITS was only {$450.00} which included my credit payment of {$77.00} and XX/XX/XXXX TOTAL CREDITS were only {$910.00} There are NO USAA PERMANET CREDITS EVER ON MY ACCOUNT Where are the rest of credits due me? USAA has KNOWN THIS IDENINTY THEFT I REPORTED AS SUCH XX/XX/XXXX USAA COLLECTION LETTER attatched I have never had a card ending XXXX AND USAA BREAKS THE LAW There are statues against collections of Ideninity Theft USAA THINKS THEY ARE ABOVE THE LAW USAA OWES ME THE CREDTS NEVER MADE PERMANET They total. {$4.00}, XXXX USAA HAS KNOWN FOR 2 YEARS THIS IS IDENINITY THEFT USAA IS SUPPOSED TO BE ZERO LIABILITY I have been held liable for fraud 2 years
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-01
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: On XXXX XX/XX/XXXX I contacted USAA to ask what possible justification they had for asserting days earlier that a CERTIFIED CHECK for {$3400.00} issued to me by XXXX XXXX XXXX which I had deposited 29 months ago on XXXX XX/XX/XXXX, same day it was issued to me - had bounced and therefore USAA was now subtracting {$3400.00} + a {$5.00} penalty fee from the joint checking account I have with my wife. The USAA representative with whom I spoke was clearly baffled and stated she was not able to determine what was the justification for USAAs giving itself {$3400.00} of our money. I asked : In issuing a certified check to us wasnt XXXX XXXX XXXX swearing that it had set aside in its internal account sufficient funds to cover the cheque until such time as I deposited it into my account or otherwise cashed it or in the unlikely event I choose to return it ; isnt it true that a certified check is generally considered to be as good as cash and can not be bounced absent the failure of the issuing bank or its issuance being linked to some illegal act? To each part of my question the USAA representative responded in the affirmative. She also acknowledged that she had never been aware of a certified check being treated as ours was being treated either by USAA or by anyone else. Asked by me when I could expect USAA to provide its supposed justification for wrongfully stripping me of {$3400.00} which it had for just short of two-and-a-half years rightfully treated as having been properly deposited, the USAA representative refused to answer. Instead, she told me that I needed to contact XXXX XXXX XXXX and ask them. I said that demanding that I ask Fifth Third Bank to explain why USAA had decided to treat a certified check issued to me by it made no sense. I said that USAAs assertion that XXXX XXXX XXXX had issued a certified check without having it backed with sufficient funds was to accuse XXXX XXXX XXXX of having engaged in an illegal act and that in such a cause USAA had an obligation to report this to the overseeing banking authorities. The USAA representative persisted in saying she would not because she could not get USAA to provide me a justification, let alone restore the money it had seized from our account, and, in fact, she would not get back to me because her supervisor would not allow her to make an outgoing call. I asked her to escalate my call to someone who might be able to answer my questions and be authorized to call me back later if not able to obtain an explanation right away. Next up was a USAA representative named XXXX. I understand the reasons behind USAAs policy of not permitting its representative to reveal last name in these cases and find the policy perfectly reasonable. To sum up my exchange with XXXX : I repeated all the points I had made during my exchange with the first USAA representative whose name I had neglected to ask for and XXXX, like that first agent, seemed baffled and was equally unable to provide so much as even a hint of what possible justification USAA might have for ( wrongfully and probably illegally, in my view ) seizing {$3400.00} from our account. Like that first USAA representative, XXXX also acknowledged that each and every point I made about how one should expect a certified check to be treated was fair and accurate and that she had never been aware of a certified check being treated as ours was being treated either by USAA or by anyone else. XXXX eventually me that on XXXX XX/XX/XXXX USAA had mailed to me and my wife a letter XXXX not yet received at this point ) that she was guessing should answer any questions I had. I suggested she read it to me so I could know if I agreed that this was true. She immediately willingly agreed and proceeded to do so. I pointed out to her that the XXXX XX/XX/XXXX letter not only did not address any of the questions and concerns that I had raised but instead actually revealed additional evidence that in its handling of our account USAA has demonstrated reckless disregard for its fiduciary responsibilities to us. I noted that this letter not only provides no justification for USAAs treating a certified check deposit by me different from all other certified checks, including some in the same amount and several others in nearly identical amounts issued to us by XXXX XXXX XXXX and deposited into our USAA account over a few years but it also falsely claims that a check amount was incorrectly written on a deposit slip when a review of our USAA account would prove that in our more than 30 years with USAA we have never written an incorrect amount on a deposit account. XXXX told me she would get back to me soon either by phone or by email with an explanation for what USAA had done and how it proposes to deal with my complaint about what I was labeling a wrongful and likely illegal act that it had committed against me. She failed to do so. On XXXX XX/XX/XXXX I once again contacted USAA and this time spoke with USAA representative XXXX in Deposit Servicing. For the third time, a USAA representative seemed baffled and was unable to provide so much as even a hint of what possible justification USAA might have for what I politely told the representative I felt any reasonable person would view as a wrongful and likely illegal act in seizing {$3400.00} from our account. For the third time, a USAA representative acknowledged that each and every point I made about how one should expect a certified check to be treated was fair and accurate and had never been aware of a certified check being treated as ours was being treated either by USAA or by anyone else. I asked XXXX to pull up the XXXX XX/XX/XXXX letter that I had previously discussed with XXXX. I repeated the same points I had made to XXXX. I called XXXX attention to something that I said was truly weird and indicated to us that USAA was seriously messing up our checking account record and causing us to worry about trusting USAAs care and competence in exercising its fiduciary responsibilities to us : On XXXX XX/XX/XXXX USAA made an adjustment to our account in which it wrongfully added {$650.00}. Reason stated for their doing so is the above referenced false suggestion that we had incorrectly written a check amount on a deposit slip. Huh? The only explanation for this that makes any sense would be if we had shortchanged ourselves by erroneously claiming on a deposit slip that the check we were depositing was {$650.00} less than it really was and USAA had caught our error and fixed it by adding {$650.00} to make us whole. But this is not at all what happened. This is mindboggling! Why would USAA have wrongfully added {$650.00} to our checking account and claim it was because we had incorrectly written a check amount on a deposit slip? This set of facts appear to me and my wife to be critically important in attempting to determine if USAA had any possible grounds for seizing {$3400.00} from our checking account or if may have engaged in an action against us that is illegal, contrary to its fiduciary obligations and deserving of serious penalization : On XXXX XX/XX/XXXX we deposited into our USAA checking account {$2700.00} and on that same date USAA, claiming we had made an error in the deposit slip, added {$650.00} to our account. On XXXX XX/XX/XXXX USAA decided that a CERTIFIED CHECK for {$3400.00} issued to me by XXXX XXXX XXXX which I had deposited 29 months ago on XXXX XX/XX/XXXX, same day it was issued to me - had bounced and therefore USAA was now subtracting {$3400.00} + a {$5.00} penalty fee from the joint checking account I have with my wife. Notice that if you take our XXXX XXXX deposit of {$2700.00} and add to it the {$650.00} that USAA added to it that same day, claiming it was fixing an error made by us ( not true ) these two amounts equal {$3400.00}, the exact amount of the certified check USAA declared to be devoid of funds 29 months after its having been deposited on XXXX XX/XX/XXXX and its having been considered valid until XXXX XX/XX/XXXX. I asked USAA representative XXXX to pull up these records and we reviewed them together. I asked if he could explain what USAA was doing here and he could not. Surely, I said, any bank should be able to determine in the time USAA had already taken here why it had treated a cashiers check differently from how it and others always treat one. He could offer no justification. Asked when I might reasonably expect from USAA an explanation and its restoration of the money I felt it had wrongfully taken from me and my money, he said that all he could tell me is that, Were working on it. I politely told him that I felt that more than enough time had already passed for this to have been resolved and if at this point I can not even be given some idea of when to expect it to be resolved, my conclusion is that I need to appeal to the proper federal oversight authorities. Thus my appeal to you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27615
Submitted Via: Web
Date Sent: 2020-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: While I was on a XXXX XXXX flight to visit my parents in XXXX, TX ( with my credit card on my person ), 3 fraudulent transactions were made at " XXXX XXXX XXXX XXXX XXXX '' with my credit card in the amounts of XXXX, XXXX, and XXXX, respectively. This was on XX/XX/XXXX. I received a call later that night from my hotel room alerting me to the fraud, and when I checked my statement, sure enough, there were 3 purchases that I definitely did not make on my statement. I called to verify that yes, they were obviously fraudulent -- I was in XXXX, Texas. I thought that was the end of it. Later, after arriving home from XXXX, I got another call from USAA, my credit card issuer. They asked for more details around the transaction and told me that it was a chip transaction. I told them this seemed weird to me, as I thought chip transactions were not supposed to have this problem. The lady agreed and seemed very cold and suspicious. I said that I didn't know what happened but my credit card was with me the whole time and my family saw me not only vent about the fraud and how I would have to change my credit card number, but also saw me with my credit card on multiple occasions. After telling the investigator I was sure it was fraud, she took some time to do her investigation. On XX/XX/XXXX, the same investigator called me back explaining that it was impossible for there to be fraud with a chip card. She said the investigation ruled against me. USAA 's incorrect finding that the transactions were not fraudulent are unsatisfactory and unjustified for two reasons, which I discuss in more detail below : * Their belief that the transaction was not fraud is predicated on it being an EMV " chip-present '' transaction -- these are now prone to fraud just like magnetic swipe transactions * I provided ample evidence to USAA that I was not in XXXX XXXX at the time the fraud occurred A " chip-present '' or EMV transaction is not evidence that the authentic card was present. As USAA may already know, there is a growing epidemic of fraud via " shimmers. '' These devices can be inserted into a chip card terminal and spy on the communications between the bank and credit card. Hackers can use the data from their shimmers to create duplicate chip cards, as described in this article : XXXX XXXX XXXX Furthermore, I have uploaded the following documents to USAA, any of which should be enough to prove that the XXXX XXXX-based transaction was fraudulent on its own : * Signed statements from people in XXXX, TX indicating they saw me with my credit card on the day of the fraud * A MileagePlus statement from XXXX XXXX indicating I boarded a flight around XXXX to XXXX, Texas on the day of the fraudulent transaction ( and I left for my local BART station much earlier, arriving at the airport around XXXX ) * A used XXXX XXXX ticket with confirmation number for the above-mentioned flight
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94110
Submitted Via: Web
Date Sent: 2020-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Lender : USAA-XXXX XXXX XXXX Monthly Payment : XXXX My mortgage lender has refused credit card payment on my monthly mortgage payment. XXXX XXXX XXXX claims that I can't pay debt with debt even though I payed all my credit cards and bills every month and the only actual debt I have is my mortgage. I am filing a complaint on their refusal to take my credit card payment and forced me to use my bank account to make a payment. Banks can't denied a credit card payment from consumers, specially when my credit card allow me to make monthly mortgage payments.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OR
Zip: 97230
Submitted Via: Web
Date Sent: 2020-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-31
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: 35 years I had trust in USAA The financial advise all set up as a trusted relationship My ex was XXXX XXXX XXXX and back then USAA was trusted NOT TODAY USAA has been fined millions Please answer USAA, Do fraud claims have claim numbers? Do disputes have claim # s Yes or No? I have been told Disputes have claim # s fraud does not Please answer USAA, on the FRAUD claim letters attatched. with claim # XXXX IS THIS MY MEMBER NUMBER? Why do MY FRAUDS HAVE CLAIM NUMBERS? Why no resolve? Why do the letters decieve saying no further action is needed? PRETENDING TO MEMBERS A STRONG TRUST THEY MUST HAVE IN USAA TO PURSUE THIS FRAUD CLAIM USAA says NO FURTHER ACTION NEEDED BY MEMBER Then turns fraud into duspute. For a year and a half I was decieved into believing USAA WOULD RESOLVE FRAUD. This is an Antitrust Issue of ** NO TRUST. ( USAA NEVER RESOLVED ANY FRAUD I REPORTED AND REPORTED FRAUD I DID NOT REPORT TO CREATE CREDIT REVERSALS ) USAA IS EXTREEMLY DISHONEST FOR EXCESSIVE PROFITS USAA BOASTS IN ZERO FRAUD LIABILITY and they provide No Protection for Frauds LEAVING CONSUMERS WITH MORE FRAUD LIABILITY ALL MERCHANT CREDITS AND ALL ADJUSTMENT PURCHASES turn into New Purchases a year later ADDING MORE FRAUD TO ACCOUNT I DID NOT PURCHASE USAA has changed all my fraud I REPORT into disputes and put fraud investigation adjustments I DID NOT report fraud Because Merchant credited the account. Adjustment Purchases do not apply as Permanet credits however, USAA CAN CLAIM TWO CREDITS for a credit reversals Please answer USAA HOW CAN YOU PUT CREDIT REVERSAL/ NEW PURCHASES ON ACCOUNT WHEN USAA CLAIMS NO FRAUD EVER OCCURRED? Temporary credits/ Adjustment Purchases MUST BE MADE PERMANET TO APPLY USAA PROFITS FROM FRAUD with Credit Reversals Informing consumer NO FURTHER ACTION IS REQUIRED They never credit usaa credits to cover frauds
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-31
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/2020 XXXX with Ideninity Theft Dept USAA left a message saying USAA decided this was Not Ideninity Theft because in Ideninty Theft someone MUST OPEN AN ACCOUNT using your stolen data. I was Not aware I needed USAA PERMISSION OR CLEARANCE TO REPORT ID THEFT TO THE FTC. ( ** USAA HAD 2 YEARS TO INVESTIGATE FRAUD AND FAILED** ) Upon research FTC explains Ideninity Theft Thieves can Steal from your ( ** EXSISTING ACCOUNTS ( placing charges you did not make ** ) Or ... open a new account Anytime your data has been used to place charges you did not make it is ID Theft Perhaps I have misunderstood the authorities if so Please Educate Me
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A