Date Received: 2019-05-09
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, I found this website for XXXX XXXX XXXX, https : //XXXX/, and sent a request inquiring about this one puppy we found, named XXXX. Almost instantly we got a response from and we exchanged emails regarding XXXX. I was asked some questions which breeders normally ask and I responded. The so-called breeder asked for a {$500.00} price through XXXX or XXXX XXXX. I had used XXXX in the past and thought it is trustworthy. I transferred the money to his XXXX email id, XXXX using my USAA XXXX Account ending in XXXX. He confirmed that he received the money and that he will start the process to ship the puppy immediately. Then I got another email that the shipper will be contacting me, and that the shipper will ask for a refundable crate fee and a shipping fee. Later that evening I got an email from some XXXX XXXX. There was no address or XXXX ID in the invoice that was generated, and I couldnt find any footprint of a business by this name on the internet. I was surprised to see that they are asking for {$930.00} for a crate, and {$30.00} as shipping fee, and the payment has to be made using XXXX or XXXX. That is when it struck me that this is some kind of fraud. I left a voicemail on the number on the invoice and got a call from this person immediately afterwards, who was trying to convince me that the puppy will be sent by air and would reach the airport later that night ; and that the shipper had local contacts who would pick the puppy up from the airport and deliver the puppy to our home. ANd when they deliver the puppy, they would also refund the {$930.00} crate fee. All this sounded too funky for a shipping business. I immediately contacted the owner, who again tried to convince that XXXX XXXX are very trustworthy and that he has been using them for years. I asked him to use uShip or my friend in Minnesota would pick the puppy. He showed reluctance for either. In the mean time, I called my friend, XXXX XXXX, and told her the complete story. She immediately sent another request inquiring about XXXX XXXX XXXX, the two puppies on the website. Strange enough, the breeder sent the exact same message to her and asked for the money to be sent via XXXX. She said she can not give cash and ended the conversation. Then a couple of days later she again contacted the breeder and asked if he would give XXXX for {$400.00} and he immediately agreed. That is when my friend included me in that email chain and exposed the fraud in open. Since then, I have been sending emails to this person but he is not responding. I contacted my bank USAA the next day disputing the transaction, but the bank has refused to honor the dispute. The reason I am now reaching out to this agency for resolution.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91354
Submitted Via: Web
Date Sent: 2019-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My xwife held a XXXX on me and had me open lines of credit with USAA.com. She got the money, not me. After years of therapy I have finally been able to tell the truth. I filed an identity theft report with the Federal Trade Commission XXXX XXXX department and they still will not remove these two loans.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23608
Submitted Via: Web
Date Sent: 2019-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-09
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX, USAA sent me an offer for XXXX XXXX card with 0 % interest through XX/XX/XXXX. Email attached. I am a USAA member because my husband is a retired XXXX veteran and we have our vehicle insurance and our homeowner 's insurance through them. On XX/XX/XXXX I accepted the offer and clicked on the " apply now ''. It immediately took me to our USAA account and asked for my password & PIN then took me to the application where it had my husband 's name information pre-populated in the application and my name was only listed as able to check the box for authorized user. I completed the application and was approved for {$20000.00}. At the end of the application process it stated that whatever promotional offer I was receiving would be confirmed in my welcome packet. I got the welcome packet out of our mailbox on XX/XX/XXXX and activated both cards. I read the back for the CC agreement pricing schedule to verify my 0 % interest until XXXX. All it said was our interest rate was 15.15 %, so I initiated a " chat '' session online ( copy attached ) and requested they verify my promotional offer of no interest. I was told that the card offer was my husband 's and they had not offered him zero percent. Then they said it was not offered to me either. I offered to send them the email. I explained it came to my email, I clicked on it and it took me to our account. The only account we have with USAA that I pay our bill out of my bank account for the past 10+ years. Then they tried to say I have my own account separate from my husband. That is a lie - We have one auto policy and one homeowner 's policy etc. We ended the chat and my husband called USAA and spoke with XXXX who proceeded to tell us the same thing and that USAA would not honor the zero interest offer. I have a video of what happens when you click on the zero percent offer - how it takes me to my account and my husband 's name is already pre-populated in the application where I can not change it to my name. This is deceptive trade practice and bait & switch tactics. Predatory lending b/c had I not read the cc agreement pricing schedule and initiated the investigation about the interest rate, I would have charged a {$15000.00} XXXX in XXXX, thinking it was zero interest when it wasn't. They were very adamant that the zero percent interest was not my offer, etc. I have the email and the video of what happens when you click to apply. The chat operator, XXXX, stated she had filed a formal complaint on XX/XX/XXXX, but to date, we have heard nothing. I would like to submit the video of clicking on the offer and it taking me to my USAA account with my husbands name pre-populated in the application where I can not change it, but it will not let me upload the video due to size. Please let me know how I can submit it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-05-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-09
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX and XX/XX/XXXX my apartment was opened illegally and items were stolen. The police fingerprinted and filed a report on the spot. I have renters insurance through USAA. They asked me to upload the police report which I did right away and all photos of my belongings that were stolen. They asked me to also upload any receipts I had. I did this but they were ignored and they made me upload them 3 times in addition to sending them the very same day via email which they asked me to do. They put a woman named XXXX on my case and things went really slow and she never knew where anything was. She told me an agent needed to come to my home and ask me random questions and see photos and videos they already had in their possession. I was put off by the face that he couldnt interview me by phone but had to come to my home. I need assistance I am being denied due process and they are making errors on my claim. Usaa
Company Response: Company can't verify or dispute the facts in the complaint
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2019-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-09
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: IN REFERENCE TO COMPLAINT ID XXXX. USAA HAD COMMITTED ALLOT OF CONSUMER FRAUD AGAINST CONSUMERS WHO HAD FILED MANY CLASS ACTION AND PERSONAL LAWSUITS AGAINST USAA. MILLIONS OF DOLLARS IN LAWSUITS. WOW!.. USAA IS VERY CORRUPT.. Date of response : XX/XX/XXXX. In your submission to the Office of the Comptroller of the Currency which was forwarded to the CFPB, you state that you are holding USAA liable for the participation in consumer and bank fraud along with XXXX XXXX XXXX XXXX ( XXXX ). ( YES. ) You assert that both parties are committing financial fraud based off business projected income being used on two ( CONSUMER ) credit card applications in place of stated income. ( USAA KNEW THAT FROM THE BEGINNING AND USAA HAD THE EIN AND NEVER ASKED FOR PROOF OF EMPLOYMENT AND INCOME TO VERIFY THE ANNUAL INCOME OF {$150000.00} ). You assert that USAA knows that these military-affiliate credit cards ( WAS NEVER OPENED BACK IN XXXX ) are not open to non-USAA members and non-military affiliated members. You feel USAA is ignoring ( ALL EMAILS, ) your request to settle the account or to go to court ( USAA HAS NOT COMPLY WHETHER OR NOT THEY WANT TO GO TO COURT OR NOT ) ( THE AGREEMENT WAS SENT ON XX/XX/XXXX AND USAA HAD TILL XX/XX/XXXX TO RESPOND. I GAVE USAA A CHANCE TO ADD OR CHANGE SOMETHING IN THE AGREEMENT AND NO RESPONDS. I SENT ANOTHER AGREEMENT ON XX/XX/XXXX AND TO RESPOND XX/XX/XXXX THAT MAY BENEFIT USAA TO SETTLE THE CLAIM WITHOUT ANY MONEY FOR DAMAGES ONLY TO REMOVE THE ACCOUNTS OFF CREDIT REPORTS. I WAS NOT ASKING FOR ANY MONEY ON THE AGREEMENT. ) ( BACK IN XXXX THROUGH XXXX XXXX IT WAS OPEN TO ANYONE Membership in USAA is limited to XXXX XXXX and veterans of the U.S. military and to their eligible family members. However, not all USAA products and services are limited to members. USAAs investment services, life/health products, and some bank products ( such as military affiliate credit cards ) are currently available to individuals not eligible for USAA membership. ( FALSE STATEMENT!! GOT PROOF THAT IT WAS NOT ) Further, a person does not need to be a member of a military affiliate group in order to obtain such a card. ( AGAIN FALSE STATEMENT. I DO HAVE RECORDING OF USAA STATING DIFFERENT AND PRIVATE MESSAGING AND EMAIL OF THE WELCOME LETTER THAT WAS SENT TO ME IN XXXX ALONG WITH XXXX XXXX XXXX WHICH I DID NOT UNDERSTAND TO AT THAT TIME ).. In XXXX and XX/XX/XXXX, you ( XXXX XXXX XXXX ) applied for two military-affiliated credit cards online. On XX/XX/XXXX, and XX/XX/XXXX, you requested the status of your credit card applications for a XXXX XXXX XXXX credit card and a USAA military-affiliate card, the XXXX XXXX XXXX XXXX. ( USAA PARTNER XXXX XXXX XXXX HAD REQUESTED ME TO CHECK THE STATUES. GOT PROOF OF THAT. ) On XX/XX/XXXX, and XX/XX/XXXX, USAA established individual credit cards ending in XXXX and XXXX, respectively ( FALSELY ), in your name. On XX/XX/XXXX, you messaged USAA via the website apologizing for your accounts being past due. You indicated that you got confused and sidetracked and thought the accounts were due by the XXXX each month. ( DO NOT REMEMBER THAT ) On XX/XX/XXXX, you messaged USAA via the website indicating you intended to pay off the debt when you were able. You stated that you started a XXXX XXXX business ( XXXX USAA KNEW IT FROM THE BEGINNING ) and that you came across ( USAA PARTNER ) XXXX, which helps raise capital for funding businesses ( XXXX USAA KNEW IT FROM THE BEGINNING. USAA KNEW IT WAS FOR BUSINESS BY USING A FALSE INCOME. USAA KNEW THE CONSUMER ANNUAL HOUSEHOLD INCOME WAS FALSE JUST TO RECEIVE A HIGH CREDIT AMOUNT. ) You added that ( USAA PARTNER ) XXXX indicated it was legal to use ( BUSINESS ) projected income on ( CONSUMER ) applications. ( APPARENTLY I WAS LIED TO AND USAA ACCEPTED THE FALSE INCOME FROM THE BEGINNING ANY WAYS KNOWING USAA DONT ACCEPT BUSINESS PROJECTED INCOME AS STATED INCOME ON CONSUMER CREDIT APPLICATION ) You indicated that you used the funding to purchase a property ( UNDER THE BUSINESS NAME THE LLC AND NOT UNDER CONSUMER NAME ) from a county tax foreclosure auction in XX/XX/XXXX and learned you could not sell the property until the one-year period had passed. You asserted that you planned to pay off the debt or continue making full payments in XXXX. ( WHICH AT THE TIME I DID NOT KNOW IT WAS CONSUMER AND BANK FRAUD THAT I GOT CAUGHT UP IN ) You stated, It is my responsibility to pay off the debts. ( THINGS DO HAPPEN THAT I CAN NOT CONTROL ) You were provided with contact information for the Member Assistance Program, ( NOT TO MY KNOWLEDGE ) which knowledge provides a means to assist past-due account holders in becoming current ; however, we have no evidence that you contacted the department. Our records confirm that between XX/XX/XXXX and XX/XX/XXXX, payments were made to both ( CONSUMER ) credit cards ( THROUGH THE BANK BUSINESS ACCOUNT ), and statements were sent to your address on file. Both ( CONSUMER ) credit card accounts charged off in XX/XX/XXXX, as they had reached 180 days of delinquency. From XX/XX/XXXX to XX/XX/XXXX, both accounts were assigned to five separate collections agencies for possible balance recovery ( I DID NOT KNOW THAT ). The charged-off balances remained unpaid. ( USAA SHOULD HAD FILED A LAWSUIT AGAINST ME TO COLLECT THE FRAUDULENT DEBT DONE BY USAA AND XXXX XXXX XXXX. CALIFORNIA STATUE OF LIMITATION IS 4 YEARS FROM THE FIRST NON PAYMENT. ) In XX/XX/XXXX, USAA sent IRS 1099-C forms to you for both accounts. Credit card account numbers that appear on your card, statement, and credit report are individual numbers unique to the cardholder and are tied to the differing account numbers that USAA has on file. The numbers shown on the 1099-C end in XXXX and XXXX, which pertain to your accounts ending in XXXX and XXXX, respectively ( FALSELY ). ALL FOUR ACCOUNTS THAT STARTS WITH XXXX ARE MASTER CARDS WITH A 16 DIGIT NUMBERS. AS OF XXXX USAA NO LONGER A PARTNER WITH MASTER CARD. SWITCH ALL CONSUMER ACCOUNTS TO VISACARDS. ) We confirmed these numbers are correct on both 1099-C forms. From XX/XX/XXXX to XX/XX/XXXX, USAA received multiple credit report disputes for both accounts. The dispute reasons were listed as the account not being yours and opened fraudulently. ( USAA ONLY SPECULATING. USAA KNOWS THE TRUTH ) USAA responded to each dispute accordingly, and no changes were made to your credit report. ( USAA HAD ADDED NEW ACCOUNTS REPEATEDLY TO GET MY ATTENTION TO MY XXXX REPORTS BY ADDING THE OLD ACCOUNT AS NEW ACCOUNTS. GOT PROOF OF THAT ) According to the usaa.com Site Terms, You may not use the login information of another person, unless they specifically authorized you to do so. Your email to ( USAA PARTNER ) XXXX dated XX/XX/XXXX, shows that you shared your online credentials with them, ( USAA IS NOT SHARING WHAT WAS IN THE EMAIL TO SHOW PROOF THAT THE CREDIT CARDS WAS NOT OPEN TO NON MEMBERS IN XXXX AND THE WELCOME LETTER THAT WAS SENT TO ME TELLS IT ALL. I POSTED WHAT WAS LEFT OUT AT THE BOTTOM ) thereby giving them authorization to use your login information. ( MUST DID SOMETHING TO GET ME APPROVE FOR THE MILITARY AFFILIATE CREDIT CARDS. I KNOW I AM NOT THE ONLY ONE THAT XXXX XXXX XXXX HAD ACCESS TO OTHER CONSUMERS USAA ACCOUNTS TO GET THE CONSUMER APPROVE FOR THE CREDIT CARDS ) In addition, our records reflect that you signed the USAA Online Agreement on the date you established your USAA profile. The Online Agreement states, You are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer and mobile device ( AGAIN NO ONE HAD ACCESS TO MY HOME COMPUTER AND CELL PHONE. ) as further described in the Online Security Center. You agree to notify us promptly of any unauthorized ( USAA PARTNER XXXX XXXX XXXX ON THEIR END ) use of your password or breach of security Our records reflect that you did not report unauthorized use of your account ( USAA PARTNER XXXX XXXX XXXX ) prior to the disputes. ( I AM NOT LIABLE FOR THE ACCOUNTS DUE TO CONSUMER AND BANK FRAUD BY USAA AND XXXX XXXX XXXX XXXX ) ( SINCE USAA IS NOT DENYING XXXX XXXX XXXX THROUGH OUT COMPLAINTS AND EMAILS AND LETTERS RECEIVE FROM USAA ). An investigation determined that there was no evidence of fraudulent activity ( NO ONE HAD STOLEN THE ACCOUNT TO CHARGE ANYTHING TO THE ACCOUNTS ) and you remain liable for the debt ( DUE TO USAA AND XXXX XXXX XXXX CONSUMER AND BANK FRAUD ). On XX/XX/XXXX, USAA sent you a {$10.00} refund check ( BOGUS CHECK THAT I NEVER CASHED ), along with a letter referencing your credit card account ending in the internal account number XXXX ; ( 16 NUMBERS MASTER CARD ) the number for your account ending in XXXX. ( 16 NUMBERS MASTER CARD ) The letter explained that USAA recently reviewed statements between XX/XX/XXXX and XX/XX/XXXX, and a difference was found between what was disclosed and the late fee charged during this period. The refund was for a difference of the fee charged and interest. The letter did not specify the actual date of the late fee or intend to imply the account was established in XXXX. USAA is required by the Fair Credit Reporting Act to report accurate information to the consumer reporting agencies. ( DONT ACT SO PERFECT USAA HAD REPORTED THE ACCOUNTS ON FALSE DATES AND REPORTED THE OLD ACCOUNT AS NEW ACCOUNTS TO THE XXXX REPORT REPEATEDLY ( VIOLATION TO FCRA ). ) As no fraud ( YES DONE BY USAA AND PARTNER XXXX XXXX XXXX ) or error was found, the reporting will not be changed or removed. Please note, each account will continue to report for seven years from the first date of delinquency. No settlement or compensation will be forthcoming. ( OK USAA IS WILLING TO SPEN ALLOT OF MONEY ON ATTORNEY AND COURT FEES TO GO TO COURT AGAINST LITTLE ME. ) USAA MUST ENJOY HANGING ON TO ME FOR PERSONAL GAIN ) We found no evidence to substantiate your allegations of wrongdoing. We appreciate the opportunity to review this matter and respond to you. Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC. ( I WONDER HOW MANY CONSUMER USAA COLLECTED THROUGH OUT THE YEARS FROM XXXX XXXX XXXX ON FALSE HOUSE HOLD INCOME? ) _____________________________________________________________ ( I HAD DECIDED TO RESEARCH ON USING BUSINESS PROJECTED INCOME AND STATED INCOME ON CONSUMER CREDIT APPLICATION TO USE IN CONSUMER ANNUAL HOUSE HOLD INCOME IN THE END OF XXXX AND XXXX AND NOW. I CAME TO DISCOVER BUSINESS PROJECTED INCOME IS ONLY FOR BUSINESS LOANS AND CREDIT AND NOT FOR THE USE FOR CONSUMER. A BUSINESS PROJECTION INCOME IS AN OUT LINE OF WHAT YOU MAY GAIN IN THE YEAR OR MAY NOT HAPPEN. IT IS PART OF A BUSINESS PLAN. XXXX XXXX XXXX USED {$150000.00} ANNUALLY THAT IS XXXX EACH MONTH. I WISH I WAS MAKING THAT MUCH IN A MONTH. I WOULD NOT BE COLLECTING XXXX XXXX XXXX XXXX XXXX XXXX XXXX MOST OF MY LIFE. IN XXXX I WAS GETTING CLOSE TO {$900.00} A MONTH THAT IS {$10000.00} A YEAR. USAA KNEW IT. AS OF XXXX OF XXXX I RECEIVE WIDOWS BENEFITS DUE TO MY HUSBAND PASSING AWAY OF XXXX. I DONT RECEIVE XXXX ANY MORE. STATED INCOME WAS USE FOR MORTGAGE LOANS BACK IN THE DAY. HARDLY ANY MORTGAGE LOANS ACCEPTS STATED INCOME. IF YOU MAKE A FALSE STATEMENT ON CONSUMER CREDIT APPLICATION FOR A CREDIT CARD INORDER TO GET A HIGHER CREDIT AMOUNT THAT IS FRAUD. RIGHT USAA? BANKS CAN SUE FOR DEFRAUDING THE BANK. RIGHT USAA? I KNOW I WAS FRAUDED BY USAA. I WILL STICK TO MY CLAIM AGAINST USAA. ) _______________________________________________________________ ( XXXX XXXX XXXX EMAIL USAA Setup for XXXX XXXX XXXX XXXX XXXX Wed, XX/XX/XXXX at XXXX XXXX Reply-To : XXXX XXXX XXXX To : " XXXX '' XXXX Cc : XXXX XXXX XXXX, XXXX XXXX XXXX The purpose of this email is to establishing a relationship with USAA.com. We need you to create the login, password, and pin. You will not be applying for anything, just setting up an account at this time. Please do not link to USAA.com from this page but enter the address into your browser when prompted. 1. Type USAA.com into your web browser address bar. 2. Towards the top of the screen click on " Why Join USAA ''. 3. On the next screen click the green " Join USAA '' button. 4. The next two pages will ask you to fill in some basic personal information. 5. The page after that is a few questions regarding your military affiliation. If any of the questions pertain to you answer " yes '', if not answer " no ''. 6. On the final page, you will create a login/password/pin. ****Please Note : If you have ANY difficulties setting up the account online please call XXXX and ask to have an account set up for you over the phone. Simply tell the representative you have been told they are a great company and you are interested in their investment products ( you do not need military affiliation for these particular offerings ). When you have finished, just email/call your consultant and let them know the account has been established. XXXX XXXX XXXX XXXX XXXX Coordinator Main XXXX ( XXXX ) Ext XXXX Local XXXX Ext XXXX Fax : XXXX Alt XXXX ***The office will be Closed on Monday XX/XX/XXXX for XXXX XXXX. I will respond to all emails and voice mails within XXXX hours. If you need immediate assistance, please contact your consultant. Thank you*** USAA WELCOME EMAIL Welcome to USAA USAA XXXX Wed, XX/XX/XXXX at XXXX XXXX Reply-To : XXXX To : XXXX To ensure delivery to your inbox, please add XXXX to your address book. USAA Number Confirmation View Accounts | Privacy Promise | Contact Us USAA XXXX XXXX XXXX XXXX USAA # ending in : XXXX Dear XXXX XXXX, Since XXXX, USAA has been honored to serve military members and their families. Whether it's through banking, investments or insurance, helping members reach their financial goals is our mission. Our records show that you set up your online access on XX/XX/XXXX, at XXXX XXXX, and established the following : Online ID Password Personal Identification Number ( PIN ) Although USAA auto and property insurance and USAA Banking Products aren't available to you because of our eligibility requirements, we can still help. We offer a variety of products and services that can help you with everything from budgeting and managing all your accounts ( even non-USAA ones ) in one place, planning for retirement and more. We're here to help you meet your needs through every stage of life.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-08
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: USAA has not refunded moneys belonging to me. They took a whole XXXX, dollars from me and now will not release XXXX dollars of the next VA check to me. The USAA bank told me to tell the Veterans Affairs to do a recall recall is done still no money. I tried to speak to USAA. They have lied several times. It is now theXX/XX/XXXX, no money has been given to me. They are holding my money hostage. I am homeless due to this bank, my furniture and belongings where lost. I had to leave important life long things. I am ill.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89101
Submitted Via: Web
Date Sent: 2019-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: my complaint is that I am buying shares from a company in XXXX ( XXXX ) and I live in XXXX. the bank is in XXXX. I have called many times to complain that they are stopping the payment through my XXXX account to buy the stock. it is anywhere from 10 to sometimes as much as 300. I have called them over 20 times since starting to buy the shares ( almost XXXX ). and many times they stopped the payment to the XXXX account. or even sent emails notices that there is a security problem in my account ( XXXX-XXXX-XXXX ) and now today I get still another email that there is a security concern with my credit card. I called them still again and I told her I did not want to speak to people just going over a scrip but to a manager. She put me on hold and no one ever came back on line and it 'timed out '. This is unusual for this but I know they have clients all over the world. so, why is this such a Hugh problem for them to correct?!?!?!? I have called every time and still the problem exists. the USAA bank in XXXX XXXX is not really doing anything for my problem. with more than 15 times calling over a few months is just to much to take now.
Company Response: Company believes it acted appropriately as authorized by contract or law
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-08
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Hello, Today is XX/XX/XXXX. I am filing a complaint against USAA bank for a decision made in a payment dispute. On XX/XX/XXXX, I made a payment to a debtor, XXXX, for the amount of {$380.00}. On XX/XX/XXXX, I received my federal tax refund in the amount of {$4500.00}. The tax return was originally {$4900.00} ; however, the IRS made a payment to XXXX on XX/XX/13 in the amount of {$400.00}. I was not aware that this occurred prior to my payment of {$380.00}. I disputes the charge and a temporary credit of {$380.00} was applied to my account by USAA. I received a letter from the IRS a few days after my payment of {$380.00} stating the deduction of my tax return to pay a debt. On XX/XX/XXXX, I submitted a dispute request on my credit report to XXXX. I uploaded the document that I had received from the IRS. On XX/XX/XXXX, I received notice about my dispute results from XX/XX/XXXX ; the debt of {$380.00} from XXXX was removed from my credit report, as the debt had been paid. I received notice from USAA bank on XX/XX/XXXX to submit detailed information regarding the charge by XX/XX/XXXX. If not, then my checking account credit of {$380.00} would be reversed on XX/XX/XXXX. On XX/XX/XXXX, I uploaded the IRS document to USAA. I called USAA around noon to confirm that they had received the document and if it was sufficient information they needed. USAA verbally told me that my information was sufficient. They also made a note in my account on XX/XX/XXXX with my request for documentation to a verbal approval. I had made multiple calls ( 3 representatives ) about the information that I provided. During these phone calls, I explained to USAA the document and how it relates to deposits and charges to my account. On XX/XX/XXXX, my account was debited {$380.00}. USAA had concluded that I had not provided them with sufficient information. When I explained this information to a senior member in their service department, she said that I could send an email to USAA explaining everything that I have to you in this complaint as an affidavit. USAA does not support email as a medium for me to contact them directly. Im frustrated with their service. I live paycheck to paycheck living in the XXXX XXXX. USAA has disrupted my livelihood and now I must worry whether their investigation into my dispute against their decision will come before the XXXX of the month.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95112
Submitted Via: Web
Date Sent: 2019-05-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-08
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: USAA Credit card first told me I had a {$2500.00} cash advance and I told them I have NEVER done a cash advance on any of my credit cards. I was then told by them that I made a Balance Transfer for {$2500.00}. I asked them, who they payed {$2500.00} to as a balance transfer in my name. After 3 weeks of waiting for them to give me an answer they told me they only keep those records for 12 months and would not tell me who they sent the money to. They could tell me about credit card purchases I made before the so called transfer. I've put my payments on hold until this is resolved. I've also sent in a complaint to the 3 credit reporting agencies and am waiting to here back from them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89129
Submitted Via: Web
Date Sent: 2019-05-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2019, my wife 's wallet was stolen from her office. She called USAA and all the other credit companies immediately to report her wallet/card ( s ) stolen. USAA turned off the wrong card. We began relieving text alerts of suspicious charges which we immediately called USAA to report as unauthorized. At this time they assured us the card was turned off and no further charges would be authorized. However, we continued to see charges populate on the turned off card. We called back, they again assured us the card ( s ) were turned off and we would not be responsible for the charges. The charges in dispute were taken off our account and days later they were put back on. We were told we would be responsible for the charges, as the USAA fraud committee determined that since, 'the thief used the chip on card, it can not be fraudulent and we are responsible for the charges '
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 983XX
Submitted Via: Web
Date Sent: 2019-05-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A