Date Received: 2019-08-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, my husband deposited two checks into a joint account we have togther, one was overage from a title company and one personal check. Both checks were held for review ( not out of the ordinary ) so we waited. On XX/XX/XXXX, my husband tried to login to our bank account and gets a notification that the account has been frozen, not allowing us to withdraw funds. He called USAA to find out what the matter is and he is told the checks were being held for review and that the process takes 3 days and to wait till Monday for it to clear. He call Monday XX/XX/XXXX, account is still frozen, told to just wait longer. I also called, and they would not give me any information about how long we would be without funds and said that it was with the fraud department. Call XX/XX/XXXX, told to just wait longer. Keep in mind, the two checks aren't the only funds being held, it's all of his funds. Why is all of my funds being frozen if they were investigating the checks? Also, if they were investigating, why didn't they contact me? Why did I have to contact them to find out this information? Still awaiting resolution to this, and as of right now, we don't have any ability to take out money from my bank. They have given us no information as to what can be done to resolve this, and on top of that they keep saying they are investigating " attempted fraud '' which is downright insulting that they would automatically assume my husband was committing fraud, before a full investigation. My wife and I have been taking turns calling up USAA to get our account unfrozen. I doubt this will hasten the account to be unfrozen but it is cathartic to vent. Although both checks have cleared into our account, we are unable to access $ XXXX of our own money!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60625
Submitted Via: Web
Date Sent: 2019-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Always have a XXXX business day hold on all deposit, today even put an account restriction with unknown reason and unknown resolution date. The account is just completely restricted, unable to pay my bills or anything like that.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2019-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/XXXX I received a letter from USAA on behalf of XXXX XXXX XXXX of the servicing company XXXX. It shows they found a delinquent tax bill. I immediately responded to show documentation of the deferment account I was approved for by the XXXX XXXX XXXX XXXX and explained I was not delinquent or in default. I called USAA and was on the phone for a considerable amount of time while my situation was being assessed and was told that this notice was sent in error by the service companys tax company and to disregard. XX/XX/XXXX Then I got the notice dated XX/XX/XXXX that USAA paid my tax debt of {$13000.00} in early XXXX and that it was to be paid back over XXXX year with an increased payment of {$1500.00} from {$380.00}. 5 years of property tax deferral to be paid back in 12 months. Its an impossible situation that could cost me my only asset, my home. That payment is almost the full amount of my XXXX, social security XXXX check. I called the XXXX XXXX tax office who assured me I had not made an error and confirmed that they were sent the entire deferred amount in XXXX. She apologized that this has happened and said it has occurred with other lenders and the instruction for remedy is for USAA to email them to request the return of that full payment to restore my deferred taxes. This is an entitlement program in the Property Tax Code that I was encouraged to apply for and was reassured multiple times that it was a solution in my case of being permanently XXXX and trying to manage being a single parent taking care of my mother in XXXX. After calls and emails on XX/XX/XXXX I have yet to have a reply from USAA. I was told my file was escalated to an AVP at XXXX ( not USAA XXXX. But still heard nothing after one week.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: TX
Zip: 78247
Submitted Via: Web
Date Sent: 2019-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-04
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Hi, I'm submitting this against XXXX XXXX XXXX. Facts : I secured a VA home loan through USAA on XX/XX/XXXX for {$400000.00}. The mortgage was recorded into the XXXX Department of Records on XX/XX/XXXX from me to XXXX/USAA. The Deed was also recorded from the previous owner to myself on XX/XX/XXXX. For over ( 2 ) years there was no other recorded document, until XX/XX/XXXX. At that time XXXX/USAA assigned the mortgage to USAA, however, an individual named XXXX XXXX represented himself as the assignee for USAA, thus creating the appearance the assignment was properly executed. XXXX XXXX, in fact, is not a representative of USAA and he is a " document control specialist '' for XXXX XXXX XXXX. The reason for this is because I have fallen behind in my mortgage payments and " USAA '' has started the foreclosure process against me on XX/XX/XXXX. I will say that I have no intention of defaulting on my mortgage, and I have become delinquent because of a separate pending matter involving a signature of mine that was forged. This matter is currently pending in XXXX Court of Common pleas Case no XXXX, where I currently have a motion for summary judgment pending. This case has damaged me in excess of {$100000.00} and I plan to recover those sums shortly. Now USAA changed service providers shortly after my initial purchase in XX/XX/XXXXsince XX/XX/XXXX the service provider has been XXXX XXXX XXXX. It is reflected in my credit statements that my initial loan was sold, but there are no recorded documents stating such nor an assignment of a mortgage, ever. Therefore, XXXX XXXX XXXX knew this problem of the chain of title and hired XXXX XXXX XXXX XXXX to initiate the foreclosure process against me, but they claim they are representing USAA in the Court of Common pleas Case # XXXX. I know that the current loan number they purport I am in default of no longer exists as of XX/XX/XXXX. The VA Case Number to that loan is XXXX, MIN : XXXX, Loan # XXXX. XXXX XXXX XXXX have gone so far as to redact every single reference number in their complaint, attempting to further XXXX fraudulent scheme, but after looking up the MIN I found that the current loan was is in fact serviced by XXXX and the investor in XXXX XXXX. Again, there is no record of the loan XXXX being assigned to XXXX, thus they have no standing, so they are operating under the impression through XXXX that USAA is attempting to foreclose, but the MIN will prove they do not have standing either. Furthermore, my XXXX credit report made me aware that on XX/XX/XXXX, my mortgage was reported as " Bank Adjustment/Deed in Lieu/ Bank Liquidation '', this is wildly illegal as I never received any notice and in XXXX it is mandatory that even before foreclosure proceedings can commence the borrower attend housing counsel in City Hall. This counseling did not take place until XX/XX/XXXX, yet somehow my mortgage was already deed in lieu. Even further, the original loan reference again XXXX, executed on XX/XX/XXXX and reported into the Recorder on XX/XX/XXXX, contains a robo-signature from the USAA representative XXXX XXXX XXXX. This is one of the most flagrant fraudulent conveyances I've ever seen and it seems to be common practice for XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19147
Submitted Via: Web
Date Sent: 2019-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-03
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I received a call from ( XXXX ) XXXX identifying themselves as USAA - for which I have multiple accounts. They said there was a " change in my status '' and asked for my social security number, which I foolishly gave them. When they asked for my login information, I told them I did not feel comfortable giving them this information and would call USAA myself. USAA can not verify that this is their phone number and I am worried someone has accessed my social security number. I would like to know what I can do to protect myself. Thank you -
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IA
Zip: 50131
Submitted Via: Web
Date Sent: 2019-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On or around XX/XX/2016 XXXX XXXX XXXX or XXXX XXXX, or XXXX XXXX XXXX XXXX XXXX, Accessed via XXXX XXXX XXXX XXXX, sensitive consumer data, upon collecting this data and information, someone claiming to be a 3rd party to my XXXX XXXX XXXX showed up and took pictures of my vehicle, inquired into my payment status, I spoke to USAA directly and made payment arrangements and was up to date on the payments after being late. Yet, someone accessed my consumer report, and was pretending to be a 3rd party representative of USAA and claimed to be there to take pictures for USAA in case they had to reposes the automobile. Upon asking USAA was informed they do not hire 3rd parties to go out to a consumer 's home and suggest the vehicle is going to be reposed, especially if they have provided confirmation numbers and statements contrary to such action. That person was not a 3rd party affiliate of USAA nor compensated by USAA to harass the consumer at XXXX XXXX XXXX XXXX XXXX ks XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KS
Zip: 66062
Submitted Via: Web
Date Sent: 2019-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: USAA SVG BK has reported wrong infomation on my report. The credit card was opned XX/XX/XXXX and never late a new card was issued due to the loss of the original card. XX/XX/XXXX USAA rported a late paymnet and I called once new card was recived asked why the card was reported late. The mnager advused it would be taken off my report and it still shows 30-59 dys late. We are a military family and USAA assured this issue would be fixed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91324
Submitted Via: Web
Date Sent: 2019-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-31
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: I have been in contact with my bank several times about this matter. I was scammed with money orders that were fraudulent. I was given them by someone I was " hired '' to work for. He made me deposit the money into my account and buy XXXX for him. I was manipulated into doing this multiple times and now my banks says I'm liable for {$9000.00}. I can't afford to pay that money and they already took away some of my own hard earned money. I shouldn't have to pay them this money. I am the victim here.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19103
Submitted Via: Web
Date Sent: 2019-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-30
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: I contacted all creditors in this Matter XXXX XXXX XXXX and USAA and informed them that my identity, wallet was stolen and fraudulent activity took place while I was oversea in the Military. I have filed police reports submitted consumers reports and the debts were removed and return. The debts are not mine as they are fraudulent. On ( XX/XX/2017 ) I discovered ( negative credit items with XXXX XXXX and USAA had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. The data is wrong and both the reporting agency and bureau are not following guidelines adhering to FCRA. If this matters are removed I will have not choice but to file a lawsuit against all parties involved.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92110
Submitted Via: Web
Date Sent: 2019-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-30
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I had an active and open checking account. I received a deposit early XXXX and when following up, discovered the account was closed. The bank closed the account without notice yet still accepted the deposit. When asked why they accepted a deposit on a closed account they stated because it was temporarily opened. When asked how I could access my funds, they stated that I would receive a check after an unknown amount of time has passed. I have no access to my money and have not since XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2019-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A