Date Received: 2020-01-16
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 began a fraud investigation on XXXX Purchases dated XX/XX/XXXX {$170.00} & {$170.00} You can view them on XX/XX/XXXX Statement enclosed I HAVE NOT BEEN NOTIFIED OF ANY RESOLVE.What is the resolve? This is now XXXX! Why did USAA begin a fraud investigation on XX/XX/XXXX for these amounts you can view on my statement {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX? What was the resolve of each amount shown as a fraud investigation beginning? Please give accurate purchase dates and Merchant Names
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-16
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: Letter XX/XX/XXXX Dispute XXXX says We've issued a permanet credit {$15.00} What date did merchant pay? THIS IS A NEW PURCHASE XX/XX/XXXX Letter XX/XX/XXXX {$25.00} Permanet Credit became a NEW PURCHASE XX/XX/XXXX What date did merchant pay this? XX/XX/XXXX Dispute XXXX {$17.00} What date did merchant credit? What date did USAA credit?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-16
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 {$12.00} Letter Claim number XXXX tansaction date XX/XX/XXXX Says IF you still believe this charge to be fraudelent, no further action is needed, and we will continue to pursue this claim as fraud on your behalf I HAVE NOT BEEN NOTIFIED THE RESOLVE A YEAR LATER XX/XX/XXXX Letter SAME claim number {$12.00} Says no further action is needed NO RESOLVE YET? Letter XX/XX/XXXX no further action on fraud claim number XXXX {$10.00} XXXX XXXX XXXX XXXX A YEAR LATER NO RESOLVE XX/XX/XXXX no action needed fraud claim XXXX {$49.00} I HAVE NOT BEEN NOTIFIED What the resolve is on any of these fraud claims for over a year. What is the resolve of fraud claim XXXX reported?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I had an issue of fraud checks being posted to my bank account and was not knowledgeable on how to go about the process of clearing things up. I am now aware of the steps to go about getting a proper investigation on this incident and I cant get any direction on who to contact from the financial institution. They dont have much documentation anymore about the case and Im on hold with customer service all day long while they continue to look for more info I would like to clear up the issue to be able to bank with this institution again as a US Veteran, but I am given the run around while I really appreciate all this institution does for service members.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07050
Submitted Via: Web
Date Sent: 2020-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-15
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: USAA letter enclosed 1099 C form Cancellation of debt XX/XX/13 Masrercard Account XXXX DEBT DISCHARGED please note FOR INFO THIS FORM CALL XXXX This automated message " A 1099 C form means your debt is no longer owed and any one trying to collect is against the law '' USAA PLEASE LISTEN TO YOUR OWN MESSAGE AND STOP DESTROYING MY CREDIT BY NOT CLOSING THIS ACCOUNT. Please read your documentation of cancelled discharged debt AND PLEASE START TELL THE TRUTH TO CFBP You just responded to this telling CFPB and me you have every right to collect what is not owed
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-14
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: XXXX ( grocery store ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Attempted to use an out of network ATM ( USAA terminal in main lobby ). The transaction proceeded as follows : 1 ) Inserted the ATM card 2 ) Machine asked if I wanted a balance on my receipt ( yes ) 3 ) Input my PIN 4 ) Machine printed a receipt and then asked if wanted something else ( yes ... machine had yet to offer a cash withdrawal ). 5 ) Selected fast cash ( {$40.00} ) 6 ) Machine showed an access fee of {$3.00} 7 ) I selected NO and walked way. According to my bank ( XXXX XXXX XXXX XXXX ) I was billed {$1.00} twice.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92116
Submitted Via: Web
Date Sent: 2020-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-15
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Today, on XX/XX/2020 I called USAA bank to remove consent from overdraft protection per Regulation E so that instead of incurring overdraft charges, they would The representative on the phone told me that it is USAAs policy that they will not remove overdraft protection from a checking account. This is a violation of regulation E.
Company Response:
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2020-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-14
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I was late making one of my payments ( 30 days late ) the 60 day XXXX double payment ) of {$370.00} was made on time on XX/XX/2019. On XX/XX/XXXX, I was mailed a letter telling me that my secured credit card was of {$5000.00} was being closed and the CD for {$5000.00} was being liquidated to pay the debt. I did not want the credit card closed because I had kept it open for over two years to rebuild my credit. I reached out multiple times and tried to reason with USAA, but they could not tell me why, who made the decision, or how I could talk to the person who made the decision about the error. USAA simply hid behind " the system '' and gave no explanation. Not only did they NOT CLOSE the account, they did not liquidate the CD, as indicated in the attached letter, but did report to the credit bureaus that the account was closed. They removed my access to using the credit line, continue to bill me interest and late fees, and continue to report negatively to the bureaus. Now they have threatened to write the account off as a defaulted account.
Company Response: Company believes complaint is the result of an isolated error
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In XXXX of XXXX I went to my local bank branch to effect a balance transfer which would pay off my Visa account at USAA and create a new Visa account at my local bank ( for which there was an incentive of getting six months without interest ). The payment from my bank to USAA was rejected as having the wrong address. After additional attempt was made to effect a balance transfer, I requested an e-mail from USAA with the verified payment address, which they provided. This was the very same address which I had provided to my bank the first time I attempted to transfer the balance in question. After a 3-way call with myself and representatives from both my bank and USAA was held to determine exactly what was required to do a balance transfer, a final attempt to effect a balance transfer was undertaken in XXXX of XXXX and again USAA rejected the payment from my bank stating that the full account number of the USAA Visa account was needed. My bank XXXX XXXX XXXX XXXX XXXX XXXX assured me that the entire account number was provided to USAA via ACH information but was never included on hard checks due to security concerns. Nevertheless, USAA again declined the payment and seems to contrive multiple and various excuses to decline any attempt to effect a balance transfer from my bank. Ultimately, I have declined to make further payments on the account pending a resolution of the issue because I believe USAA is deliberately obstructing my attempts to close out my Visa account with USAA. I have communicated my position to USAA in that regard but they have now begun harassing me with collection calls on a daily basis. My bank assures me that they have provided all the required and customary information for transactions of this type to USAA. USAA, however, continues to claim that additional or different information is required or that the information needs to be presented to them in a different form. In short, they are refusing to accept a balance transfer as payment against my account and doing so without justification, which has cost me over 15 months ' worth of interest ( a total of over {$1000.00} ). I have spent considerable number of hours making multiple trips to my local bank branches, making phone calls, and participating in online help chats until I am simply unable to continue pursuing this myself because nothing I do changes the outcome.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 35749
Submitted Via: Web
Date Sent: 2020-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I XXXX messaged a debt counselor who had multiple mutual friends of mine that were all military. On Ms. XXXX profile she had that she was a debt management counselor at XXXX XXXX, debt counselor at XXXX XXXX XXXX, debt counselor at XXXX XXXX XXXX. She also had multiple photos of accounts she helped. I believed I could trust her due to her being affiliated with the military and my friends. So I proceeded to ask her to help with consolidating my small debt. I will be including the messages that went through between us. Everything seemed alright she was helping me. She requested that through her she could get me a small loan of {$4000.00} but would need me to put {$1000.00} down as a deposit to be able to get. Seeing her previous work and knowing she was helping service members out I believed her and did on XX/XX/XXXX she said it would take 5-6 days to get the loan into my account then when the day came to give me the services she ignored my messages and then went to block me on XXXX, her phone and XXXX so that I couldnt contact her. As soon as I figured she was scamming me I reported it to my bank. I had to file 3 disputes as the transaction had to be split into 3. We agreed on sending it over XXXX XXXX and due to the high amount only two transactions one of {$250.00} and another of {$100.00} went through thinking she was helping me I then sent the rest {$650.00} through XXXX. She told me after I sent the money she would be working on finishing the loan. My bank USAA gave me a temporary credit for the XXXX XXXX transactions and then filed with XXXX for the {$650.00}. XXXX got back to me today XX/XX/XXXX and told me that they werent responsible and that I should talk to the recipient who I cant even contact and is a scammer. My bank also backed up XXXX by saying that in the end it was XXXX final decision and theres nothing they can do. I want my money back but the bank nor XXXX will get her to give it back to me. I dont want any other services members being scammed by this woman and would like for her to be found and stopped.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NM
Zip: 881XX
Submitted Via: Web
Date Sent: 2020-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A