Date Received: 2023-11-02
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Application denials
Consumer Complaint: XX/XX/XXXX XXXX XXXX I applied for a mortgage with XXXX federal savings bank and was denied for a mortgage. they stated no reason only because of a credit score. there is nothing that supports denial of a consumer in a consumer credit transaction. I am fit to enter into a contract.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Trouble accessing funds in your mobile or digital wallet
Subissue:
Consumer Complaint: On XX/XX/2023 I mobile deposited my paycheck with USSA. They said the check would be in holding for over 10 days. I live paycheck to paycheck and can't afford to wait over a week to pay my bills. When I requested USSA have my money returned they said they can't do anything. This seems very illegal.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MT
Zip: 59601
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: XX/XX/2023 I applied for a consumer auto loan with usaa savings bank. I was denied because of a credit score with is not valid reason to deny my right to credit. I used my social security card name and birthdate on the documents.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: XX/XX/2023 I submitted an application bearing my name social security number and endorsement for credit for a car for personal use. the Bank used is my primary bank and haven been dined for a credit transactions for 10 years of. active deposits. this company has not extended me credit on one occasion, so it has become gross behavior and am seeking the maximum allowable monetary penalty to relieve the harm cause by this company.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XX/XX/2023 I applied for a credit card using my name birthday, social security number and my autograph which is a blank endorsement. using usaa federal savings bank mobile app I submitted my application/note and was denied credit. I called to inquire about the denial and was told that there decision did not go against the ecoa and there was no remedy for me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Trouble accessing funds in your mobile or digital wallet
Subissue:
Consumer Complaint: I can't access my chase account also my usaa account
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33511
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX made an unauthorized inquiry and received an unauthorized copy of my Credit Report from XXXX. I am requesting the removal of the inquiry from my credit report. XX/XX/XXXX, a credit card was taken out fraudulently in my name at USAA Savings Bank. The account was closed and charged off {$640.00}. USAA has acknowledged this as fraud and identity theft however has taken no steps to remove from my credit report. USAA Savings Bank is negatively affecting my XXXX score and therefore I have had to pay higher interest rates on a car loan. Shame on you USAA! Please rescind from XXXX, XXXX XXXX and XXXX. This has gone on far too long!
Company Response: Company believes complaint is the result of an isolated error
State: WY
Zip: 82070
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Financial Institution : USAA Federal Savings Bank I called USAA on XX/XX/XXXX due to 10 overdraft fees of {$29.00} each appearing on my checking account within XXXX. I was suprised by this because I never received fees before. USAA said they sent notifications via documents on the mobile app before XX/XX/XXXX stating they are making " auto changes to over draft fees '' that automatically enrolls the consumer to overdraft protection unless they opt-out. I told them it was immoral and illegal to change a service without the consumer receiving proper notification that I knew of the changes and most importantly, I consented to overdraft protection. This has put my account negative - {$700.00} and my husband has been laid off in recent months. I told them that President Biden and the CFPB have launched the Over Draft Protection Act of XXXX that states the bank must have consumers " opt in '' and have consent before they legally start over drafts. Additionally, banks are limited to one fee per month and up to 6 per year. I was charged 10 OD fees and only was granted XXXX OD refunds. I spoke with someone in the CEO office and they said they will call me back but I deserve to get my money back. I never consented to " opt-in '' to OD protection and this is illegal to auto enroll " opt-in ''. I now saw the letter and attached it. Please help
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: A series of 8 fraudulent atm and debit card transactions occurred on my USAA checking account between XX/XX/XXXX thru XXXX, 2023 totaling {$1700.00}. I received no fraud alert from my bank due to these fraudulent transactions and did not become aware of the charges until reviewing my checking account activity on XX/XX/2023. When I became aware of the fraudulent charges, I immediately made a fraudulent charge claim. The charges were initially credited back to my account on XX/XX/2023, while they were investigated by USAA. After investigation, USAA decided the charges were not fraudulent and withdrew the credited funds from my account on XXXX XXXX. When I enquired about the investigation and how they came to their conclusion I was told I would need to file a police report, which I did and provided to USAA. Another investigation was done with the same outcome. I have requested reasoning as to why they have come to this conclusion and was eventually a week later provided with a list of the fraudulent transactions with no reasoning. I have contacted their fraud department a number of times now trying to get any actual reasoning to their conclusion and have not been given any reasoning. This should be an open and shut case, the checking account in question is a secondary account and primarily only used for online bill paying. My transaction history clearly shows the debit card in question was only used a handful of times a year. I suspect my card was cloned with a skimming device on XXXX XXXX, 2023, when used for a parking meter as that was the last time my debit card was used prior to the fraudulent charges. At no point during their initial " investigation '' or reinvestigation did USAA contact me to get an account of the occurrence or ask for any information I had. Additionally, the results of their investigation are not even internally consistent as they did determine one of the 8 charges, the smallest one, that occurred at the same relative time and place as several of the other charges to be fraudulent.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 808XX
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Fraud or scam
Subissue:
Consumer Complaint: I wanted to refinance my motorcycle with usaa. I did all the proper paper work and trust usaa to mail the check out to XXXX XXXX XXXX XXXX. The check was stolen and cashed. I have been fighting this for 3 and a half months with usaa. I went back to my call log and counted over 50 phone calls I have made to usaa. I have talked to multiple people at the loan, member resolution and ceo department. I have filed multiple complaints with the XXXX and usaa is refusing to make this right. The check was cash by an unknown party named XXXX XXXX and not XXXX XXXX XXXX. I have talk as well to XXXX XXXX cause that is where usaa sent the check from. XXXX informed me that usaa needs to call cause it's there account to open an investigation which they refuse to do. This case has been to fraud at least 5 times for usaa to say there is no fraud. I am now stuck in the middle when I had nothing to do with this and usaa is refusing to make it right. I have to motorcycle payments now. Usaa sees it as the check being cashed and it's not their problem anymore. But for over 3 months usaa has stonewall me and not made it right. I also have a photo copy of the sign check but they have refused to track where this money went and what institution allowed this person to cash the check when it was made out XXXX XXXXXXXX. I am now in the process of seeking legal action against usaa
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70634
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A