Date Received: 2020-01-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2020 USAA Federal Savings Bank received a deposited check in the amount of {$3400.00}. They made {$1000.00} available and put on hold {$2400.00} for four days, in which they released the funds after that time, I called the bank to inform them that fraudulent activities might have taken place with my account, the fraud department puts an additional hold on the check and another deposited check for {$840.00}, the bank informed me that the account or check was blocked, I never received the check for {$840.00}, however they're attempting to hold me accountable for the funds. I wish to seek remedy with the usage of the UCC laws, and banking obligations to customers, my money is suppose to be insured, I would like to file a lawsuit if possible for the FDIC insured money in the amount of {$250000.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31907
Submitted Via: Web
Date Sent: 2020-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-24
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I reported fraud XX/XX/XXXX card end XXXX New card issued XX/XX/XXXX ending XXXX and again reported fraud. XX/XX/XXXX ending XXXX and again reported fraud XX/XX/XXXX new card ending XXXX USAA sent me enclosed IMPORTANT NOTICE ( ** Undated ) Why you are receiving this new USAA credit card? WE HAVE DETERMINED THAT YOUR USAA CREDIT CARD INFIRMATION SUCH AS YOUR NAME, CARD NUMBER, AND EXPIRATION DATE, MAY HAVE BEEN COMPROMISED This new card ending XXXX USAA sent DOES NOT PROVIDE ME ACCESS USAA DID NOT PROTECT CONSUMERS I had already reported fraud 4 times before recieving this card MY PRIVACY WAS NOT PROTECTED BY USAA and USAA has not resolved the fraud on my account that USAA COMPROMISED left unprotected and unresolved When did USAA PUBLICLY ANNOUNCE THIS DATA BREACH TO PROTECT ALL CONSUMERS?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-23
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89081
Submitted Via: Web
Date Sent: 2020-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-22
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: XXXX recieved letter XX/XX/18 I am a victim of ideninty theft and mail fraud USAA XXXX is a result of ideninity theft USAA did Not resolve ideninity theft reported XX/XX/2018 It appears the card numbers on this results letter from XXXX changed USAA last four XXXX changed to XXXX In my letter XXXX was informed I DEMAND THE ABOVE ACCOUNTS BE VERIFIED WITH ORIGINAL DATED SIGNATURE OF AMOUNT OWED OR DELETED IMMEDIATELY USAA never resolved ideninty theft. I have tried to get them to resolve They say resolved no explaination provided and reported me in retailation to LOWER MY SCORE Once more putting fraud back on XXXX elderly Americans that they know are targeted XXXX does not accept FTC identity theft Report provided or provide the ORIGINAL DATED SIGNATURE FOR THESE AMOUNTS OWED ON ACCOUNT NUMBERS REPORTED FTC says ideninty theft can not be collected to protect consumers
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-21
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: Pre-approved for auto loan at 3.23 % for a new car XXXX model year for up to XXXX XX/XX/XXXX USAA member # XXXX Confirmed the rate on XX/XX/XXXX at 3.23 %. Had to verbally go over the terms of the deal with USAA Submitted request for payment forms to Dealership {$61000.00}. Received a call from USAA that since it was a XXXX new USAA would not longer honor the confirmed rate and had to raise it 3.58 %. USAA refuses to honor the original confirmed rate. Please explain how this is not a bait and switch
Company Response:
State: IL
Zip: 60527
Submitted Via: Web
Date Sent: 2020-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-20
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: I did not recieve credit for fraudulent charges from XX/XX/XXXX I stopped monthly payments XXXX until XXXX which has not happen yet USAA reported me deliquient They refused to resolve fraud I reported beginning XX/XX/XXXX Executive Resolutions reviewed account responded " You did not report fraud until XX/XX/XXXX '' Enclosed XX/XX/XXXX Statements has 6 Reversed Credits each reference begins F for fraud XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Clearly fraud was reported PRIOR to XX/XX/XXXX for reversed credits to appear already posted on XXXX Statement 1 ) WHAT WERE THESE NEW CHARGES OF REVERSED CREDIT FOR? ( Security of ) 2 ) * How can there be reversed credits IF NO FRAUD REPORTED BEFORE XX/XX/XXXX?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-20
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 tried to purchase 2 tickets to XXXX XXXX XXXX XXXX XXXX XXXX XXXX through the XXXX site. After waiting 20 minutes with no ticket, I closed the site and tried again. The site again hung up and after waiting 20 minutes, I called XXXX at the phone number listed on the site. The XXXX representative told me they were having problems with their website and that I should close out and try again. I closed out the website and instead ordered tickets from XXXX XXXX, which I used the next day. My XXXX credit card statement showed 2 separate charges of {$220.00} each ( {$440.00} total ). I went online to the USAA site and disputed each transaction with a description similar to what I have stated above. Shortly thereafter, I received a request for additional information which asked me to attach the receipt or confirmation number from the XXXX transaction. I went back into the USAA site and responded by noting that I repeating the story and clarifying that I did not have a confirmation number, receipt, or in fact any email confirmation from XXXX that I had purchased the tickets, therefore there was nothing I could provide. I again received an email request from USAA to provide a receipt from XXXX and I again submitted the explanation above in the USAA online site as instructed. On XX/XX/XXXX, I noticed that the transaction had been put through on my credit card, so I called customer service and spoke to XXXX. I went through the story with her and she said she would submit my complaint and have customer service give me a call. On XX/XX/XXXX, I spoke with XXXX and went through the story again. I told XXXX that since XX/XX/XXXX, there had not been any calls or voice mails left on my phone. He said their team had called me on XX/XX/XXXX ; XXXX and XX/XX/XXXX. I had my phone turned on and was not busy on those days, but never received a call. I offered to show him my phone records, which demonstrate I've never received a call from USAA. I reconfirmed the number they should call. XXXX indicated I was unable to speak with anyone in the office directly to resolve the dispute. On XX/XX/XXXX, I spoke with XXXX and reviewed the story again. He referred me to XXXX, a Senior Banking Representative with the Executive Resolutions Team. XXXX informed me that there was no record in the system of any of my dispute. She indicated that a manager would call me on Monday, XX/XX/XXXX, even though it was a federal holiday. She also stated that the Analyst would review my dispute within 48 hours. On Monday, XX/XX/XXXX at XXXX, I spoke initially with XXXX who put me in touch with XXXX XXXX a Senior Specialist on the Resolution Team. XXXX indicated that neither she, nor her manager, nor anyone in the chain of command in the call center was able to resolve my dispute. ( Note : This makes me wonder what the point of this call center is, if they can't actually solve customer complaints ). She put in yet another request for the dispute analyst to call me back, but was unable to provide me with the name or phone number of anyone who could help me. I notified her that I would be filing a claim with CFPB. I would also like to note that today, I did receive a call around XXXX this morning, which I answered and said hello several times with no response. After waiting a full minute with no response I hung up the phone. This happens often to myself, as well as many others, in this age with robo-calls. I would greatly appreciate your assistance in resolving this dispute. I would also appreciate it if you could look into the USAA practices. I have been a member of USAA for 29 years and this is the most horrible customer service I have experienced anywhere. USAA has historically been a company that treated their members well. This is a disgrace. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2020-01-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-20
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On Saturday, XX/XX/XXXX, I attempted to access my XXXX account with USAA as a routine checking of funds. ( My wife had already accessed her XXXX account at the same institution without problems. ) I was prevented from accessing my account online until I answered several questions. They included questions about the amount of my net worth, my annual income and whether I was a foreign agent. I called the customer service at USAA immediately to find out why my access was prevented online to my account. A representative informed me that a division of USAA ( called MOET ) required me to answer those questions or they would close my account. I protested that I did not necessarily want USAA to have direct knowledge of my net worth or annual income. Because it was a Saturday, she suggested I call back on Monday to discuss the situation with a MOET employee. My access to my account was withheld. On Monday, I called USAA again and spoke with a representative of the MOET division. She stated the Patriot Act required that they ask those questions. She further stated the Federal government required all banking institutions to do this. I protested that no other banking institution I dealt with had asked for this information. I asked to speak with someone else, but she stated no supervisors were available due to the holiday ( XXXX XXXX ). She stated if I did not complete the questions that my account would be closed. I had my wife talk with her as well and she told her the same thing. We told her we were retired XXXX XXXX and all the money in the accounts came from our paychecks while XXXX XXXX. We were not foreign agents of any kind. Eventually, my wife told her we would answer the questions, but the answers may or not be true. ( We did answer truthfully that we are not foreign agents. ) We both believe that USAA violated our rights by conducting what amounted to an unlawful search and seizure of our information. They held my account hostage to this.
Company Response: Company believes complaint is the result of an isolated error
State: MO
Zip: 657XX
Submitted Via: Web
Date Sent: 2020-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: MY COMPLAINT IS WITH XXXX REPORTING. MY REPORT HAS BEEN FILLED WITH INACCURACIES THAT I HAVE BEEN ADDRESSING SINCE XX/XX/XXXX. MORE RECENTLY XX/XX/XXXX. I AM A XXXX VETERAN AND LOOKING TO BUY A HOME FOR ME AND MY FAMILY. I HAVEN'T BEEN ABLE TO OBTAIN HOME LOAN BECAUSE OF ALL THE MISINFORMATION THAT IS LEFT TO MIS REPRESENT WHO I AM AS A RESPONSIBLE LIVE PERSON IN SOCIETY. IM AWARE OF MY RIGHTS, AND ID LIKEXX/XX/XXXXTO BE ADDRESS ES OF THE ERRORS THEY CONTINUE TO FALSELY REPORT
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-20
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: I am a XXXX Consumer I am a victim of Ideninity theft, Mail fraud and No Access to this banking. Creditcard account I have unsuccessfully tried to report a replacement card stolen or never delivered 5 times I am required to enter a text or email code I physically am unable to do to GET VERIFIED and if I am not verified I can not report the stolen/ undelivered card I AM AT GREAT RISK I CAN NOT GET VERIFIED TO GAIN ANY ACCESS I AM TRYING TO PREVENT MORE FRAUD I HAVE NO ZERO LIABILITY PROMISED BY USAA THAT IS EXTENDED TO ABLE BOBY MEMBERS MY CIVIL RIGHTS ARE DENIED AGAINST MY XXXX** XXXX ELDERLY VUNERABLE AMERICANS ARE TARGETED WITH ** NO PROTECTION
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A