Date Received: 2019-11-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX deposit of {$4000.00} was made to USAA on XXXX XX/XX/2019. Check cleared sender 's account, XXXX XXXX XXXX on XXXX XX/XX/2019. USAA, despite risk elimination of funds is withholding {$3500.00} on the USAA account. These funds were intended to be emergency funds for a critical situation which has become exacerbated due to USAA having funds on hold. Since risk of the deposit has been eliminated, there is no valid reason why USAA should keep the funds from being accessible. I've spoken to several account specialist and am told an array of arbitrary reasons why they can not release the funds. The explanation for hold on funds is nothing short of red-herring and ad-hominem fallacies masquerading as excuses to " protect my interest, '' when in fact it has caused my situation to become worse. However, the fact remains, it is my own money, risk is non-existent and I demand to have access to my own money.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 775XX
Submitted Via: Web
Date Sent: 2019-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: So I have been being with USAA for seven year. I started to notice strange thing happening to my accounts. On XXXX I started a fraud investigation with them and I have been put on hold, hung up on and lied to about XXXX has been taken out of my account and even with me being calmed about this matter the have caused me to have to moved out of my home bc the refuse to help me while the investigation is being worked on. I have called everyday and all I get it a run around. I have talked to someone I. Every department even emailed the CEO and all the can say is sorry but there is nothing we can do. I have asked for document and they have yet send them. As well I filed a XXXX complaint and nothing. The latest thing that they are saying I am responsible is charges to a XXXX XXXX when the was no debit card attached to the account. It has caused me emotional stress bc this is about to go on for two months now and the are being inconsiderate of a veteran that they are refusing to work with after I have done everything they have asked!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2019-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-23
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I am a XXXX veteran with a XXXX XXXX XXXX XXXX XXXX. My name is XXXX XXXX XXXX and I live at XXXX XXXX XXXX XXXX, XXXX, MI XXXX. I was just hospitalized again and I am in dire straights. USAA/XXXX XXXX, and XXXX XXXX are threatening to cancel, repossess and/or foreclose on me. Please help me. My cell number is XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 488XX
Submitted Via: Web
Date Sent: 2019-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-22
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: STATUS Feedback provided on XX/XX/2019 Your feedback Ive submitted this new complaint and had one that was closed but is not correct so Ive submitted this new one : : The companys initial response is his 100 percent untrue and all phone calls should be pulled I never asked for a request of an extension for XXXX I asked for one for XXXX and that is clearly stated in the phone call the rep accidentally processed the request early and then put his supervisor on the phone to try to reverse the mistake Usaa made. This is a lie and I want all calls pulled ; I would never waste an extension on a partial payment and furthermore in the first called made on XX/XX/2019 the representative never even read the extension agreement which he is required to do And I found this information out after having to call multiple times that there shouldve been something read to me explaining the extension what month it was for and when my maturity date would be that was never done the first phone call the representative place the extension without my request I never ever ever asked for it for XXXX it was for XXXX and the phone calls will prove this and so will all of the notes I am still completely disputing this and want this re-opened immediately I never asked for an extension in XXXX the representative did that on his own I did not ask for that and the phone calls was prove that and show that and also show that the supervisor tried to fix his mistake but they could not fix it I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS The companys response is his 100 percent untrue and all phone calls should be pulled I never asked for a request of an extension for XXXX I asked for one for XXXX and that is clearly stated in the phone call the rep accidentally processed the request early and then put his supervisor on the phone to try to reverse the mistake Usaa made. This is a lie and I want all calls pulled ; I would never waste an extension on a partial payment and furthermore in the first called made on XX/XX/2019 the representative never even read the extension agreement which he is required to do And I found this information out after having to call multiple times that there shouldve been something read to me explaining the extension what month it was for and when my maturity date would be that was never done the first phone call the representative place the extension without my request I never ever ever asked for it for XXXX it was for XXXX and the phone calls will prove this and so will all of the notes I am still completely disputing this and want this re-opened immediately I never asked for an extension in XXXX the representative did that on his own I did not ask for that and the phone calls was prove that and show that and also show that the supervisor tried to fix his mistake but they could not fix it THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS Usaa said they would pull all phone calls to show that I never asked for an extension in XXXX ; I called to inquire on how they worked and said I needed for XXXX ; the supervisor got on the phone trying to fix the representatives mistake of making an extension request incorrectly even though I never asked for one for XXXX. He could not at the time of the error but said he would reverse the Usaa reps mistake and would put it In for the requested month of XXXX! This all happened at the time of the mistake so if u pull every phone call u will hear this and Usaa can take responsibility for their error!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98311
Submitted Via: Web
Date Sent: 2019-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Could not get this resolved as the representative did not understand the charges was put on hold XX/XX/XXXX I paid off the balance on my XXXX XXXX credit card. After that I was charged {$2.00} for fees that are unexplainable. Those were attached after I paid the balance. Sounds like a type of fraud to me credit card companies got way too much leeway to do as they please to the consumers. I would like a viable explanation thank you very much
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MN
Zip: 55116
Submitted Via: Web
Date Sent: 2019-12-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-20
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I have everything or had everything from our car loan, insurance, banking, etc. with USAA. I have never had a problem with them until now XX/XX/2019 at XXXX. They sent me a letter of Decision from a XXXX XXXX XXXX, I asked to speak with him about the Letter and was told by XXXX no last name, that no one can speak to him so I asked for a secretary was denied associate denied. I have a serious complaint and will take it up with XXXX XXXX XXXX, Ms XXXX and Ms. XXXX stated I must speak to there Resolutions and they said although your information has changed you need to fill out a totally new application. I applied for XXXX and already have 5 loans with USAA 1 paid off. I never missed a payment and been with USAA for years. I demand this loan be re reviewed and tell me why someone sends you a letter of a powerful decision and will not come forward to answer my questions about said letter. Not just push papers thru and numbers we are human beings.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: They are continuously placing my paychecks on hold with no reason or explanation. It has created a hardship for me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34638
Submitted Via: Web
Date Sent: 2019-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been a victim of Identity-Theft and have filed reports of this in the past to Local, State and Federal Authorities, as well as, FTC and CFPB over the last few years. I now have a fraudulent account ( USAA ) that was previously disputed and removed from my credit records months ago return as of today on my XXXX credit file. Once again, I have never had such an account and it is an account due to fraudulent use of my personal information.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90221
Submitted Via: Web
Date Sent: 2019-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2019 I called USAA to close my credit card account. I had a bill for the annual fee of {$35.00}. I was told they could not waive the fee even though I was closing the account " due to Federal regulations '' the fee was out of their control. I was closing the account the fee was for the year coming not the year past, so how can you not waive it as I was closing the account. They claimed it was for their services, what services if I was closing the account? I spoke with 2 different people and they both claimed that due to " federal regulations '' they could not waive the fee. They essentially charged me for services that I did not receive. Is this correct and legal?
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: VA
Zip: 231XX
Submitted Via: Web
Date Sent: 2019-11-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-17
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 disputed charges with USAA. USAA refused to honor my credit card agreement and protect its consumer 's rights. Cardholder - XXXX XXXX, XXXX. Credit card number included below. THIS IS NOT A DUPLICATE COMPLAINT. USAA REFUSED TO ADDRESS THE MERITS OF MY FIRST COMPLAINT BY FALSELY CLAIMING THAT IT COULD NOT LOCATE MY ACCOUNT.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20850
Submitted Via: Web
Date Sent: 2019-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A